date_received,product,sub_product,issue,sub_issue,consumer_complaint_narrative,tags,consumer_consent_provided,submitted_via,date_sent_to_company,company_response_to_consumer,timely_response,consumer_disputed,complaint_id,client_id
2014-07-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Email,2014-07-09,Closed with explanation,Yes,No,CR0922485,1925
2012-04-12,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Email,2012-04-13,Closed with relief,Yes,No,CR0057298,3141
2012-04-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Email,2012-04-03,Closed without relief,Yes,No,CR0043811,297
2012-03-14,Credit card,,Billing disputes,,,,N/A,Email,2012-03-14,Closed with relief,Yes,No,CR0035411,4275
2012-03-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Email,2012-03-06,Closed with relief,Yes,No,CR0030939,900
2012-03-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Email,2012-03-05,Closed with relief,Yes,No,CR0030070,11596
2012-02-23,Credit card,,Other fee,,,,N/A,Email,2012-02-24,Closed without relief,Yes,No,CR0013328,2716
2011-12-07,Credit card,,Collection debt dispute,,,,N/A,Email,2012-02-29,Closed without relief,Yes,No,CR0003732,146
2017-03-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Fax,2017-03-27,Closed with explanation,Yes,,CR2405000,778
2017-03-21,Credit card,,Other,,,,N/A,Fax,2017-03-21,Closed with non-monetary relief,Yes,,CR2398334,706
2017-03-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2017-03-21,In progress,Yes,,CR2395319,2065
2017-03-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Fax,2017-03-09,Closed with explanation,Yes,,CR2375209,298
2017-03-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2017-03-08,Closed with monetary relief,Yes,,CR2371479,2926
2017-03-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Fax,2017-03-06,Closed with explanation,Yes,,CR2368953,3552
2017-02-21,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Fax,2017-02-24,Closed with monetary relief,Yes,,CR2353277,438
2017-02-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Fax,2017-02-22,Closed with explanation,Yes,,CR2347888,11252
2017-02-03,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Fax,2017-02-07,Closed with explanation,Yes,,CR2327253,7366
2017-01-31,Credit card,,Other,,,,N/A,Fax,2017-02-03,Closed with explanation,Yes,,CR2319065,4459
2017-01-30,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Fax,2017-02-02,Closed with explanation,Yes,,CR2318000,2463
2017-01-09,Credit card,,Other,,,,N/A,Fax,2017-01-10,Closed with explanation,Yes,Yes,CR2281296,1075
2016-12-19,Credit card,,Credit line increase/decrease,,,,N/A,Fax,2016-12-19,Closed with explanation,Yes,Yes,CR2254957,3048
2016-12-08,Credit card,,Billing disputes,,,,N/A,Fax,2016-12-09,Closed with explanation,Yes,No,CR2241469,3061
2016-12-08,Credit card,,Billing disputes,,,,N/A,Fax,2016-12-09,Closed with explanation,Yes,Yes,CR2241293,2563
2016-12-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Fax,2016-12-08,Closed with monetary relief,Yes,No,CR2239563,2298
2016-12-01,Credit card,,Late fee,,,,N/A,Fax,2016-12-02,Closed with monetary relief,Yes,No,CR2230679,2771
2016-11-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2016-11-29,Closed with explanation,Yes,No,CR2225814,1537
2016-11-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2016-11-18,Closed with monetary relief,Yes,No,CR2214250,10077
2016-11-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2016-11-16,Closed with explanation,Yes,No,CR2208613,1768
2016-11-08,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Fax,2016-11-09,Closed with explanation,Yes,No,CR2200226,1671
2016-11-04,Credit card,,Sale of account,,,,N/A,Fax,2016-11-07,Closed with explanation,Yes,No,CR2195804,2994
2016-11-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Fax,2016-11-15,Closed with monetary relief,Yes,No,CR2192368,3098
2016-11-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Fax,2016-11-14,Closed with monetary relief,Yes,No,CR2190357,3203
2016-10-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Fax,2016-10-31,Closed with non-monetary relief,Yes,No,CR2184843,10041
2016-10-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2016-10-12,Closed with explanation,Yes,No,CR2150336,1791
2016-10-05,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Fax,2016-10-14,Closed with explanation,Yes,No,CR2147799,5050
2016-10-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2016-10-06,Closed with explanation,Yes,Yes,CR2146555,3330
2016-09-30,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Fax,2016-10-14,Closed with monetary relief,Yes,No,CR2140531,3003
2016-09-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Fax,2016-09-28,Closed with monetary relief,Yes,No,CR2132541,489
2016-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2016-09-27,Closed with explanation,Yes,Yes,CR2128698,1520
2016-09-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2016-09-26,Closed with explanation,Yes,No,CR2125933,3001
2016-09-12,Credit card,,Balance transfer fee,,,,N/A,Fax,2016-09-14,Closed with non-monetary relief,Yes,No,CR2106749,11329
2016-08-31,Credit card,,Billing disputes,,,,N/A,Fax,2016-09-06,Closed with explanation,Yes,No,CR2089516,3317
2016-08-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Fax,2016-08-30,Closed with explanation,Yes,No,CR2083797,1600
2016-08-25,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Fax,2016-08-30,Closed with explanation,Yes,Yes,CR2081319,572
2016-08-22,Credit card,,Billing disputes,,,,N/A,Fax,2016-08-24,Closed with explanation,Yes,No,CR2075840,119
2016-08-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2016-08-29,Closed with monetary relief,Yes,Yes,CR2053856,3819
2016-08-04,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Fax,2016-08-08,Closed with explanation,Yes,No,CR2047406,3069
2016-07-28,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Fax,2016-08-02,Closed with explanation,Yes,No,CR2036377,524
2016-07-19,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Fax,2016-07-20,Closed with monetary relief,Yes,No,CR2019528,697
2016-07-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Fax,2016-07-19,Closed with explanation,Yes,No,CR2017443,4643
2016-07-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2016-07-16,Closed with explanation,Yes,No,CR2015196,137
2016-07-01,Credit card,,Billing disputes,,,,N/A,Fax,2016-07-11,Closed with explanation,Yes,No,CR1994567,7011
2016-06-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2016-06-06,Closed with explanation,Yes,No,CR1952426,3837
2016-05-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2016-05-27,Closed with explanation,Yes,No,CR1943347,2799
2016-05-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Fax,2016-05-31,Closed with explanation,Yes,No,CR1942158,3834
2016-05-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2016-05-31,Closed with explanation,Yes,No,CR1941865,5180
2016-05-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Fax,2016-05-31,Closed with explanation,Yes,Yes,CR1938865,1699
2016-05-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Fax,2016-05-24,Closed with explanation,Yes,Yes,CR1936930,3632
2016-05-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2016-05-31,Closed with explanation,Yes,No,CR1932270,2463
2016-05-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2016-05-13,Closed with explanation,Yes,No,CR1924106,4493
2016-05-06,Credit card,,Customer service / Customer relations,,,,N/A,Fax,2016-05-11,Closed with monetary relief,Yes,No,CR1913916,3116
2016-05-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2016-05-16,Closed with non-monetary relief,Yes,No,CR1912930,2324
2016-05-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2016-05-02,Closed with explanation,Yes,No,CR1905472,1579
2016-04-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Fax,2016-04-28,Closed with explanation,Yes,No,CR1894861,3039
2016-04-19,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Fax,2016-04-21,Closed with monetary relief,Yes,Yes,CR1885950,4294
2016-04-18,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Fax,2016-04-18,Closed with explanation,Yes,Yes,CR1884968,12358
2016-04-15,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Fax,2016-04-15,Closed with monetary relief,Yes,No,CR1881766,462
2016-04-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2016-04-15,Closed with monetary relief,Yes,No,CR1882476,13417
2016-04-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2016-04-11,Closed with explanation,Yes,No,CR1869568,1445
2016-04-04,Credit card,,Identity theft / Fraud / Embezzlement,,,"Older American, Servicemember",N/A,Fax,2016-04-06,Closed with explanation,Yes,No,CR1863969,2209
2016-03-23,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Fax,2016-03-23,Closed with explanation,Yes,No,CR1845683,6256
2016-03-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2016-03-10,Closed with explanation,Yes,Yes,CR1826636,472
2016-03-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2016-03-08,Closed with explanation,Yes,No,CR1822084,3977
2016-02-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2016-03-01,Closed with explanation,Yes,No,CR1809285,3372
2016-02-17,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Fax,2016-02-18,Closed with explanation,Yes,Yes,CR1791074,11906
2016-02-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2016-03-21,Closed with explanation,Yes,Yes,CR1789593,9236
2016-02-11,Credit card,,Other,,,,N/A,Fax,2016-02-17,Closed with explanation,Yes,No,CR1784697,9458
2016-02-05,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Fax,2016-02-05,Closed with non-monetary relief,Yes,No,CR1775172,4445
2016-02-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2016-02-17,Closed with explanation,Yes,No,CR1773179,3283
2016-02-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2016-02-17,Closed with explanation,Yes,No,CR1773807,2129
2016-01-29,Credit card,,Billing disputes,,,,N/A,Fax,2016-02-01,Closed with explanation,Yes,No,CR1764286,2084
2016-01-28,Credit card,,Other,,,,N/A,Fax,2016-01-29,Closed with explanation,Yes,Yes,CR1762648,4449
2016-01-25,Credit card,,Billing disputes,,,,N/A,Fax,2016-01-26,Closed with explanation,Yes,,CR1756498,2296
2016-01-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Fax,2016-02-01,Closed with explanation,Yes,Yes,CR1756563,2642
2016-01-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2016-01-20,Closed with monetary relief,Yes,No,CR1744554,3532
2016-01-08,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Fax,2016-01-12,Closed with monetary relief,Yes,No,CR1734737,4387
2016-01-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Fax,2016-01-07,Closed with explanation,Yes,No,CR1729929,2727
2016-01-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Fax,2016-01-04,Closed with explanation,Yes,Yes,CR1725606,3241
2015-12-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Fax,2015-12-23,Closed with explanation,Yes,No,CR1713275,1316
2015-12-18,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Fax,2015-12-18,Closed with monetary relief,Yes,No,CR1708290,11064
2015-11-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Fax,2015-12-04,Closed with explanation,Yes,Yes,CR1676436,520
2015-11-18,Credit card,,Other,,,,N/A,Fax,2015-12-14,Closed with explanation,Yes,No,CR1660760,3092
2015-11-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2015-11-09,Closed with monetary relief,Yes,No,CR1645849,1323
2015-11-09,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Fax,2015-11-10,Closed with explanation,Yes,No,CR1645852,482
2015-10-29,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Fax,2015-10-30,Closed with explanation,Yes,No,CR1631076,2709
2015-10-23,Credit card,,Other,,,,N/A,Fax,2015-10-26,Closed with explanation,Yes,Yes,CR1621364,6924
2015-10-23,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Fax,2015-10-27,Closed,Yes,Yes,CR1621318,1129
2015-10-05,Credit card,,Billing disputes,,,,N/A,Fax,2015-10-07,Closed with monetary relief,Yes,Yes,CR1592064,3450
2015-10-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Fax,2015-10-06,Closed with explanation,Yes,No,CR1590438,2755
2015-09-21,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Fax,2015-09-24,Closed with non-monetary relief,Yes,No,CR1573466,2409
2015-09-16,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Fax,2015-09-16,Closed with monetary relief,Yes,No,CR1566591,1811
2015-09-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2015-09-14,Closed with explanation,Yes,No,CR1563107,4180
2015-08-31,Credit card,,Advertising and marketing,,,,N/A,Fax,2015-08-31,Closed with explanation,Yes,No,CR1544742,680
2015-08-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2015-08-31,Closed with explanation,Yes,No,CR1544229,3312
2015-08-21,Credit card,,Billing disputes,,,,N/A,Fax,2015-09-04,Closed with explanation,Yes,Yes,CR1531152,2821
2015-08-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Fax,2015-08-21,Closed with explanation,Yes,No,CR1527767,4061
2015-08-05,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Fax,2015-08-06,Closed with explanation,Yes,Yes,CR1507211,961
2015-08-03,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Fax,2015-08-10,Closed with non-monetary relief,Yes,No,CR1498821,780
2015-07-30,Bank account or service,Cashing a check without an account,Problems caused by my funds being low,,,,N/A,Fax,2015-08-05,Closed with explanation,Yes,No,CR1494677,1592
2015-07-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2015-08-03,Closed with explanation,Yes,No,CR1485802,1808
2015-07-23,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Fax,2015-07-24,Closed with explanation,Yes,Yes,CR1483597,894
2015-07-20,Credit card,,Billing disputes,,,,N/A,Fax,2015-07-21,Closed with explanation,Yes,No,CR1474895,4169
2015-07-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2015-07-14,Closed with explanation,Yes,No,CR1467137,567
2015-07-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2015-07-16,Closed with monetary relief,Yes,No,CR1459299,11329
2015-07-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2015-07-08,Closed with non-monetary relief,Yes,No,CR1455861,173
2015-07-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2015-07-30,Closed with non-monetary relief,Yes,No,CR1455862,1642
2015-07-06,Credit card,,Transaction issue,,,,N/A,Fax,2015-07-08,Closed with explanation,Yes,No,CR1452043,2800
2015-07-06,Credit card,,Billing disputes,,,Older American,N/A,Fax,2015-07-08,Closed with explanation,Yes,No,CR1451644,12485
2015-07-06,Credit card,,Billing disputes,,,,N/A,Fax,2015-07-10,Closed with non-monetary relief,Yes,Yes,CR1452819,2055
2015-06-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Fax,2015-07-07,Closed with explanation,Yes,No,CR1435238,964
2015-06-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2015-06-24,Closed with explanation,Yes,Yes,CR1433236,1218
2015-06-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2015-06-26,Closed with explanation,Yes,No,CR1434177,2420
2015-06-12,Credit card,,Credit line increase/decrease,,,,N/A,Fax,2015-06-17,Closed with non-monetary relief,Yes,No,CR1419608,2096
2015-06-09,Credit card,,Late fee,,,Older American,N/A,Fax,2015-06-10,Closed with explanation,Yes,No,CR1412354,3922
2015-05-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Fax,2015-05-26,Closed with explanation,Yes,No,CR1384883,1682
2015-05-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2015-07-18,Closed with explanation,Yes,No,CR1381322,2288
2015-05-04,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Fax,2015-05-04,Closed with explanation,Yes,No,CR1359157,9217
2015-05-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2015-05-04,Closed with explanation,Yes,No,CR1357213,1963
2015-04-29,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Servicemember,N/A,Fax,2015-05-04,Closed with explanation,Yes,Yes,CR1351891,4959
2015-04-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2015-04-28,Closed with monetary relief,Yes,No,CR1344050,4099
2015-04-21,Credit card,,Billing statement,,,,N/A,Fax,2015-04-23,Closed with explanation,Yes,No,CR1338985,5175
2015-04-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2015-04-24,Closed with explanation,Yes,No,CR1340503,5132
2015-04-16,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Fax,2015-04-20,Closed with non-monetary relief,Yes,No,CR1334090,3344
2015-04-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Fax,2015-04-13,Closed with explanation,Yes,No,CR1323862,1641
2015-03-27,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Fax,2015-03-30,Closed with explanation,Yes,Yes,CR1305593,4395
2015-03-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2015-03-30,Closed with explanation,Yes,Yes,CR1301819,3423
2015-03-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2015-03-16,Closed with monetary relief,Yes,No,CR1282520,6034
2015-03-10,Credit card,,Billing disputes,,,,N/A,Fax,2015-03-16,Closed with explanation,Yes,No,CR1275516,3015
2015-02-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Fax,2015-02-26,Closed with explanation,Yes,No,CR1249514,2814
2015-01-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2015-01-16,Closed with monetary relief,Yes,No,CR1193863,3929
2015-01-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2015-01-22,Closed with explanation,Yes,Yes,CR1185692,350
2015-01-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2015-01-07,Closed with explanation,Yes,Yes,CR1182664,9366
2015-01-06,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Fax,2015-01-09,Closed with explanation,Yes,No,CR1182076,3251
2014-12-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2014-12-30,Closed with explanation,Yes,No,CR1167964,767
2014-12-22,Credit card,,Billing disputes,,,,N/A,Fax,2014-12-24,Closed with explanation,Yes,Yes,CR1165956,583
2014-12-17,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Fax,2014-12-18,Closed with explanation,Yes,Yes,CR1159924,50
2014-12-08,Credit card,,Other,,,,N/A,Fax,2014-12-30,Closed with explanation,Yes,No,CR1148113,1790
2014-12-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2014-12-08,Closed with explanation,Yes,No,CR1142808,987
2014-12-03,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Fax,2014-12-08,Closed with explanation,Yes,No,CR1141314,1123
2014-11-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2014-11-19,Closed with explanation,Yes,No,CR1109288,2674
2014-11-04,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Fax,2014-11-06,Closed with explanation,Yes,Yes,CR1101885,593
2014-10-21,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Fax,2014-10-27,Closed with non-monetary relief,Yes,No,CR1080256,950
2014-10-07,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Fax,2014-10-10,Closed with explanation,Yes,No,CR1062228,11686
2014-10-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2014-10-10,Closed with explanation,Yes,Yes,CR1059300,1618
2014-10-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2014-10-06,Closed with monetary relief,Yes,No,CR1052629,2449
2014-09-30,Credit card,,Rewards,,,,N/A,Fax,2014-10-06,Closed with explanation,Yes,Yes,CR1051007,2069
2014-09-30,Credit card,,Other,,,,N/A,Fax,2014-10-01,Closed with explanation,Yes,No,CR1052075,6571
2014-09-29,Credit card,,Arbitration,,,,N/A,Fax,2014-10-03,Closed with explanation,Yes,Yes,CR1048746,4373
2014-09-24,Credit card,,Closing/Cancelling account,,,,N/A,Fax,2014-10-01,Closed with explanation,Yes,No,CR1043298,2625
2014-09-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2014-09-30,Closed with explanation,Yes,No,CR1042825,4761
2014-09-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2014-09-25,Closed with explanation,Yes,Yes,CR1037284,2415
2014-09-09,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Fax,2014-09-29,Closed with explanation,Yes,Yes,CR1020704,937
2014-09-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2014-09-10,Closed with explanation,Yes,No,CR1016584,1965
2014-09-04,Credit card,,Other,,,,N/A,Fax,2014-09-09,Closed with monetary relief,Yes,No,CR1015058,1948
2014-08-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Fax,2014-09-04,Closed with monetary relief,Yes,No,CR1007303,2682
2014-08-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2014-09-16,Closed with explanation,Yes,Yes,CR0997116,9820
2014-08-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2014-08-22,Closed with explanation,Yes,No,CR0991303,4382
2014-08-18,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Fax,2014-08-20,Closed with monetary relief,Yes,No,CR0988096,1990
2014-08-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2014-08-18,Closed with explanation,Yes,No,CR0981611,283
2014-07-24,Credit card,,Closing/Cancelling account,,,,N/A,Fax,2014-07-28,Closed with explanation,Yes,No,CR0951400,4037
2014-07-23,Credit card,,Customer service / Customer relations,,,Older American,N/A,Fax,2014-07-28,Closed with explanation,Yes,No,CR0949403,2302
2014-07-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Fax,2014-07-24,Closed with monetary relief,Yes,No,CR0947307,4892
2014-07-17,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Fax,2014-07-23,Closed with explanation,Yes,No,CR0942501,6363
2014-07-08,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Fax,2014-07-11,Closed with explanation,Yes,No,CR0927871,3816
2014-07-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2014-07-09,Closed with explanation,Yes,Yes,CR0922473,379
2014-06-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2014-06-12,Closed with explanation,Yes,No,CR0888321,1798
2014-06-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2014-06-12,Closed with explanation,Yes,No,CR0887544,4455
2014-05-28,Credit card,,Closing/Cancelling account,,,,N/A,Fax,2014-06-03,Closed with explanation,Yes,Yes,CR0871335,730
2014-05-27,Credit card,,Billing disputes,,,,N/A,Fax,2014-06-02,Closed with explanation,Yes,Yes,CR0869660,4586
2014-05-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2014-06-09,Closed with explanation,Yes,No,CR0865818,4186
2014-05-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2014-05-21,Closed with explanation,Yes,Yes,CR0858349,5320
2014-05-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2014-05-19,Closed with monetary relief,Yes,No,CR0855237,1479
2014-05-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2014-05-16,Closed with monetary relief,Yes,No,CR0853368,2555
2014-05-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2014-05-12,Closed with explanation,Yes,No,CR0842671,3349
2014-05-05,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Fax,2014-05-07,Closed with monetary relief,Yes,No,CR0838199,4320
2014-04-24,Credit card,,Delinquent account,,,,N/A,Fax,2014-04-28,Closed with explanation,Yes,No,CR0824833,5338
2014-04-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Fax,2014-04-16,Closed with explanation,Yes,Yes,CR0804364,217
2014-04-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2014-04-14,Closed with explanation,Yes,No,CR0800215,13657
2014-04-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Fax,2014-04-09,Closed with explanation,Yes,Yes,CR0795200,1045
2014-04-04,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Fax,2014-04-08,Closed with explanation,Yes,No,CR0793529,504
2014-04-02,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Fax,2014-04-08,Closed with explanation,Yes,No,CR0789608,3461
2014-03-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2014-04-03,Closed with non-monetary relief,Yes,No,CR0785224,2135
2014-03-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2014-04-04,Closed with explanation,Yes,No,CR0783255,2940
2014-03-06,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Fax,2014-03-07,Closed with monetary relief,Yes,No,CR0746087,4505
2014-03-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2014-03-04,Closed with monetary relief,Yes,No,CR0739756,501
2014-02-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2014-02-24,Closed with explanation,Yes,Yes,CR0725940,4127
2014-02-18,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Fax,2014-02-19,Closed with explanation,Yes,Yes,CR0718616,838
2014-02-11,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Fax,2014-02-18,Closed with explanation,Yes,No,CR0707883,4408
2014-02-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2014-02-11,Closed with explanation,Yes,Yes,CR0705878,4272
2014-02-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2014-02-07,Closed with non-monetary relief,Yes,Yes,CR0702038,847
2014-01-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2014-02-06,Closed with explanation,Yes,No,CR0689939,3482
2014-01-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2014-02-06,Closed with explanation,Yes,No,CR0688050,2698
2014-01-23,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Fax,2014-01-31,Closed with explanation,Yes,No,CR0682046,5827
2014-01-08,Credit card,,Cash advance,,,,N/A,Fax,2014-01-09,Closed with explanation,Yes,No,CR0659192,2771
2013-12-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2014-01-06,Closed with explanation,Yes,Yes,CR0644906,3826
2013-12-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Fax,2014-01-06,Closed with explanation,Yes,No,CR0644531,3654
2013-11-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2014-05-20,Closed with explanation,Yes,Yes,CR0603229,1500
2013-11-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2013-11-19,Closed with explanation,Yes,No,CR0587861,2321
2013-10-28,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,N/A,Fax,2013-10-29,Closed with explanation,Yes,Yes,CR0574864,1262
2013-10-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2013-11-05,Closed with explanation,Yes,Yes,CR0567779,5774
2013-10-17,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Fax,2013-10-17,Closed with explanation,Yes,Yes,CR0561186,4959
2013-10-15,Credit card,,Balance transfer,,,,N/A,Fax,2013-10-16,Closed with explanation,Yes,No,CR0559272,1977
2013-09-30,Credit card,,Application processing delay,,,,N/A,Fax,2013-10-02,Closed with explanation,Yes,No,CR0547876,6610
2013-09-29,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Fax,2013-09-30,Closed with monetary relief,Yes,Yes,CR0547152,2930
2013-09-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Fax,2013-09-12,Closed with explanation,Yes,No,CR0524922,644
2013-09-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2013-09-09,Closed with explanation,Yes,No,CR0517670,29
2013-09-03,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Fax,2013-09-06,Closed with explanation,Yes,No,CR0512719,4774
2013-08-29,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Fax,2013-09-03,Closed with explanation,Yes,No,CR0508374,1465
2013-08-24,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Fax,2013-08-28,Closed with monetary relief,Yes,No,CR0503464,1267
2013-08-22,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Fax,2013-08-22,Closed with explanation,Yes,Yes,CR0499187,4221
2013-08-22,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Fax,2013-08-22,Closed with explanation,Yes,No,CR0499118,3872
2013-08-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2013-08-23,Closed with explanation,Yes,No,CR0500647,12850
2013-08-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Fax,2013-08-19,Closed with explanation,Yes,Yes,CR0490204,3973
2013-08-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Fax,2013-08-14,Closed with explanation,Yes,No,CR0487225,1593
2013-07-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2013-08-01,Closed with explanation,Yes,No,CR0480773,1104
2013-07-11,Credit card,,Credit line increase/decrease,,,"Older American, Servicemember",N/A,Fax,2013-07-12,Closed with monetary relief,Yes,No,CR0454551,5132
2013-07-11,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Fax,2013-07-16,Closed with monetary relief,Yes,No,CR0479451,1787
2013-07-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2013-07-15,Closed with explanation,Yes,Yes,CR0480573,3192
2013-07-01,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Fax,2013-07-03,Closed with monetary relief,Yes,Yes,CR0447457,3560
2013-06-24,Credit card,,Transaction issue,,,,N/A,Fax,2013-06-25,Closed with explanation,Yes,Yes,CR0440370,2233
2013-06-24,Credit card,,Delinquent account,,,,N/A,Fax,2013-06-25,Closed with explanation,Yes,No,CR0440277,3055
2013-06-20,Credit card,,APR or interest rate,,,,N/A,Fax,2013-06-21,Closed with monetary relief,Yes,No,CR0437926,13548
2013-06-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Fax,2013-07-12,Closed with explanation,Yes,Yes,CR0434587,1366
2013-06-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2013-06-12,Closed with monetary relief,Yes,No,CR0428430,12221
2013-06-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2013-06-11,Closed with explanation,Yes,No,CR0426655,4080
2013-05-31,Credit card,,Billing disputes,,,Older American,N/A,Fax,2013-06-03,Closed with explanation,Yes,Yes,CR0420867,2762
2013-05-29,Credit card,,Rewards,,,,N/A,Fax,2013-05-30,Closed with explanation,Yes,Yes,CR0418611,8356
2013-05-28,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Fax,2013-06-11,Closed with monetary relief,Yes,No,CR0418479,2138
2013-05-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Fax,2013-05-20,Closed with monetary relief,Yes,No,CR0411108,2616
2013-05-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2013-05-13,Closed with monetary relief,Yes,No,CR0404275,1593
2013-05-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Fax,2013-05-13,Closed with explanation,Yes,Yes,CR0404310,422
2013-04-29,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Fax,2013-05-01,Closed with non-monetary relief,Yes,Yes,CR0394315,1166
2013-04-03,Credit card,,Billing disputes,,,,N/A,Fax,2013-04-15,Closed with explanation,Yes,Yes,CR0373513,4359
2013-04-01,Credit card,,Credit reporting,,,,N/A,Fax,2013-04-02,Closed with explanation,Yes,No,CR0371074,1959
2013-03-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2013-04-01,Closed with explanation,Yes,No,CR0369207,1449
2013-03-27,Credit card,,Late fee,,,,N/A,Fax,2013-03-28,Closed with explanation,Yes,No,CR0367356,10654
2013-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2013-03-25,Closed with explanation,Yes,Yes,CR0361734,2879
2013-03-21,Bank account or service,(CD) Certificate of deposit,"Making/receiving payments, sending money",,,"Older American, Servicemember",N/A,Fax,2013-03-29,Closed with explanation,Yes,Yes,CR0362356,3487
2013-03-08,Credit card,,Billing disputes,,,,N/A,Fax,2013-03-08,Closed with explanation,Yes,Yes,CR0347128,3827
2013-03-01,Credit card,,Closing/Cancelling account,,,,N/A,Fax,2013-03-01,Closed with explanation,Yes,No,CR0338719,11709
2013-02-28,Credit card,,Credit line increase/decrease,,,"Older American, Servicemember",N/A,Fax,2013-03-01,Closed with explanation,Yes,No,CR0338363,4336
2013-02-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Fax,2013-02-22,Closed with explanation,Yes,No,CR0327012,3509
2013-02-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2013-02-22,Closed with monetary relief,Yes,No,CR0327025,2148
2013-02-20,Credit card,,Billing disputes,,,Older American,N/A,Fax,2013-02-21,Closed with explanation,Yes,No,CR0322720,2081
2013-02-14,Credit card,,Credit reporting,,,Older American,N/A,Fax,2013-04-09,Closed with explanation,Yes,No,CR0315956,3266
2013-02-11,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Fax,2013-02-12,Closed with explanation,Yes,No,CR0314152,1248
2013-02-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Fax,2013-02-11,Closed with explanation,Yes,Yes,CR0313086,2408
2013-02-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Fax,2013-02-07,Closed with explanation,Yes,No,CR0310506,2589
2013-02-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2013-02-20,Closed with explanation,Yes,No,CR0294434,3013
2013-02-02,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Fax,2013-02-06,Closed with explanation,Yes,No,CR0285804,573
2013-02-01,Credit card,,Credit reporting,,,,N/A,Fax,2013-02-01,Closed with explanation,Yes,Yes,CR0283220,3663
2013-01-28,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Fax,2013-01-31,Closed with explanation,Yes,No,CR0277914,1333
2013-01-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2013-02-05,Closed with explanation,Yes,Yes,CR0258067,2054
2013-01-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Fax,2013-02-21,Closed with monetary relief,Yes,No,CR0256410,3289
2013-01-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2013-01-25,Closed with monetary relief,Yes,No,CR0255281,3037
2013-01-23,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Fax,2013-01-25,Closed with explanation,Yes,No,CR0257240,2542
2013-01-17,Credit card,,Credit reporting,,,,N/A,Fax,2013-01-18,Closed with explanation,Yes,No,CR0245763,7632
2013-01-14,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Fax,2013-01-15,Closed with explanation,Yes,No,CR0230239,4901
2013-01-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2013-01-16,Closed with monetary relief,Yes,No,CR0229354,2549
2013-01-12,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Fax,2013-01-14,Closed with explanation,Yes,Yes,CR0229326,3520
2013-01-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2013-01-08,Closed with monetary relief,Yes,No,CR0223678,2048
2013-01-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Fax,2013-01-04,Closed with explanation,Yes,Yes,CR0221502,4273
2013-01-04,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Fax,2013-01-04,Closed with monetary relief,Yes,No,CR0222601,4488
2012-12-31,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Fax,2013-01-03,Closed with explanation,No,,CR0220184,1422
2012-12-20,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Fax,2012-12-20,Closed with explanation,Yes,Yes,CR0214774,4495
2012-12-18,Credit card,,Billing disputes,,,,N/A,Fax,2012-12-19,Closed with explanation,Yes,No,CR0212889,1951
2012-12-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2013-01-16,Closed with explanation,Yes,No,CR0209127,1364
2012-12-10,Credit card,,Credit reporting,,,,N/A,Fax,2012-12-10,Closed with non-monetary relief,Yes,No,CR0206371,1042
2012-11-29,Credit card,,Billing disputes,,,,N/A,Fax,2012-12-03,Closed with non-monetary relief,Yes,No,CR0201107,77
2012-11-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2012-11-28,Closed with explanation,Yes,No,CR0197192,3503
2012-11-20,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Fax,2012-11-21,Closed with explanation,Yes,Yes,CR0194736,3597
2012-11-13,Credit card,,Balance transfer,,,,N/A,Fax,2012-11-29,Closed with explanation,Yes,Yes,CR0189436,10563
2012-11-06,Credit card,,Closing/Cancelling account,,,,N/A,Fax,2012-11-08,Closed with explanation,Yes,No,CR0185270,995
2012-10-31,Credit card,,Credit reporting,,,,N/A,Fax,2012-11-02,Closed with explanation,Yes,No,CR0182259,2374
2012-10-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2012-10-15,Closed with explanation,Yes,No,CR0170715,2831
2012-09-28,Credit card,,Other,,,,N/A,Fax,2012-09-28,Closed with explanation,No,No,CR0161683,3431
2012-09-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2012-09-05,Closed with explanation,Yes,Yes,CR0146975,656
2012-08-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Fax,2012-08-31,Closed with explanation,Yes,Yes,CR0144417,540
2012-08-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2012-08-21,Closed with monetary relief,Yes,No,CR0138644,2631
2012-08-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2012-08-21,Closed with monetary relief,Yes,Yes,CR0138235,4565
2012-08-08,Credit card,,Billing disputes,,,,N/A,Fax,2012-08-09,Closed with explanation,Yes,No,CR0132727,414
2012-08-06,Credit card,,Rewards,,,,N/A,Fax,2012-08-14,Closed with explanation,Yes,No,CR0130587,2594
2012-08-06,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Fax,2012-08-07,Closed with monetary relief,Yes,No,CR0130233,13095
2012-07-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2012-07-24,Closed with explanation,Yes,Yes,CR0121560,3693
2012-06-27,Credit card,,Credit reporting,,,,N/A,Fax,2012-07-02,Closed with explanation,Yes,Yes,CR0108967,2937
2012-06-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2012-06-13,Closed with non-monetary relief,Yes,Yes,CR0097731,704
2012-06-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Fax,2012-06-11,Closed with non-monetary relief,Yes,Yes,CR0094377,6422
2012-05-31,Credit card,,Credit reporting,,,,N/A,Fax,2012-06-05,Closed with explanation,Yes,No,CR0090075,4663
2012-05-31,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Fax,2012-06-01,Closed with explanation,No,Yes,CR0091084,9997
2012-05-30,Credit card,,Billing disputes,,,Older American,N/A,Fax,2012-06-01,Closed with monetary relief,No,Yes,CR0089542,7348
2012-04-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Fax,2012-04-13,Closed with relief,Yes,Yes,CR0054494,1447
2012-04-11,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Fax,2012-04-12,Closed with relief,Yes,No,CR0044568,547
2012-03-26,Credit card,,Billing disputes,,,,N/A,Fax,2012-03-28,Closed with relief,Yes,Yes,CR0027693,3396
2012-03-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Fax,2012-03-14,Closed with relief,Yes,No,CR0034610,2762
2012-02-06,Credit card,,Credit reporting,,,,N/A,Fax,2012-02-07,Closed without relief,Yes,Yes,CR0013527,2606
2012-01-18,Credit card,,Overlimit fee,,,,N/A,Fax,2012-02-02,Closed with relief,Yes,No,CR0014704,2892
2017-04-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2017-04-05,Closed with explanation,Yes,,CR2421250,3155
2017-03-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2017-03-28,In progress,Yes,,CR2406895,11360
2017-03-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2017-03-28,In progress,Yes,,CR2407613,2519
2017-03-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2017-03-28,Closed with explanation,Yes,,CR2406312,3389
2017-03-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2017-03-24,In progress,Yes,,CR2403665,261
2017-03-23,Credit card,,Other,,,,N/A,Postal mail,2017-03-23,Closed with explanation,Yes,,CR2401648,312
2017-03-22,Credit card,,Other,,,,N/A,Postal mail,2017-03-22,Closed with explanation,Yes,,CR2398513,2393
2017-03-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Postal mail,2017-03-22,In progress,Yes,,CR2399597,1808
2017-03-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2017-03-28,In progress,Yes,,CR2398557,3723
2017-03-21,Credit card,,Billing disputes,,,,N/A,Postal mail,2017-03-22,In progress,Yes,,CR2397904,2130
2017-03-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2017-03-21,In progress,Yes,,CR2397006,4257
2017-03-20,Credit card,,Other,,,,N/A,Postal mail,2017-03-21,In progress,Yes,,CR2394492,711
2017-03-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2017-03-21,Closed with explanation,Yes,,CR2394945,977
2017-03-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Postal mail,2017-03-16,Closed with monetary relief,Yes,,CR2388201,3251
2017-03-14,Credit card,,Other,,,,N/A,Postal mail,2017-03-16,Closed with explanation,Yes,,CR2387263,4288
2017-03-13,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Postal mail,2017-03-15,Closed with explanation,Yes,,CR2384632,4490
2017-03-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Postal mail,2017-03-17,Closed with monetary relief,Yes,,CR2381178,2075
2017-03-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2017-03-13,In progress,Yes,,CR2379569,251
2017-03-08,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2017-03-13,In progress,Yes,,CR2378467,545
2017-03-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2017-03-11,Closed with explanation,Yes,,CR2378054,241
2017-03-02,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,Older American,N/A,Postal mail,2017-03-07,Closed with monetary relief,Yes,,CR2368744,1222
2017-02-27,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2017-03-02,Closed with monetary relief,Yes,,CR2362994,3663
2017-02-17,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Postal mail,2017-02-23,Closed with explanation,Yes,,CR2349389,9346
2017-02-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2017-03-06,Closed with explanation,Yes,,CR2350802,7043
2017-02-16,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2017-02-22,Closed with explanation,Yes,,CR2348744,300
2017-02-14,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Postal mail,2017-02-17,Closed with explanation,Yes,,CR2344749,1360
2017-02-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2017-02-17,In progress,Yes,,CR2344048,4260
2017-02-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2017-02-13,Closed with explanation,Yes,,CR2336216,965
2017-02-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2017-02-13,Closed with explanation,Yes,,CR2335191,3811
2017-02-08,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Postal mail,2017-02-13,Closed with explanation,Yes,,CR2333445,2829
2017-02-07,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Postal mail,2017-02-07,Closed with monetary relief,Yes,,CR2331971,3705
2017-02-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Postal mail,2017-02-10,In progress,Yes,,CR2331412,3952
2017-02-03,Credit card,,Billing disputes,,,,N/A,Postal mail,2017-02-07,Closed with monetary relief,Yes,,CR2326406,776
2017-02-02,Credit card,,Payoff process,,,,N/A,Postal mail,2017-02-07,Closed with explanation,Yes,,CR2322711,2476
2017-02-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2017-02-06,Closed with explanation,Yes,,CR2323490,4382
2017-01-31,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Postal mail,2017-02-02,Closed with explanation,Yes,,CR2319723,426
2017-01-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2017-02-02,Closed with explanation,Yes,,CR2319809,4185
2017-01-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2017-02-06,Closed with explanation,Yes,,CR2313440,2424
2017-01-25,Credit card,,Billing disputes,,,Older American,N/A,Postal mail,2017-01-30,Closed with explanation,Yes,,CR2311310,3426
2017-01-25,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2017-02-28,Closed with explanation,Yes,,CR2310424,9642
2017-01-25,Credit card,,Transaction issue,,,,N/A,Postal mail,2017-01-27,Closed with explanation,Yes,No,CR2311024,4447
2017-01-19,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2017-01-23,Closed with non-monetary relief,Yes,No,CR2298405,6922
2017-01-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2017-01-24,Closed with explanation,Yes,No,CR2295998,2139
2017-01-18,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2017-01-19,Closed with explanation,Yes,Yes,CR2293843,2119
2017-01-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2017-01-19,Closed with explanation,Yes,No,CR2291907,2298
2017-01-10,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2017-01-11,Closed with monetary relief,Yes,No,CR2283829,3780
2017-01-09,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Postal mail,2017-01-11,Closed with explanation,Yes,No,CR2280052,671
2017-01-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2017-01-09,Closed,Yes,No,CR2277705,2177
2017-01-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2017-01-06,Closed with explanation,Yes,No,CR2275295,2998
2017-01-03,Credit card,,Customer service / Customer relations,,,,N/A,Postal mail,2017-01-04,Closed with explanation,Yes,No,CR2272079,8105
2017-01-03,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Postal mail,2017-01-04,Closed with explanation,Yes,No,CR2271991,4717
2016-12-28,Credit card,,Billing disputes,,,Older American,N/A,Postal mail,2016-12-29,Closed with explanation,Yes,Yes,CR2267015,2058
2016-12-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-12-23,Closed with explanation,Yes,No,CR2261646,1578
2016-12-21,Credit card,,Billing disputes,,,Older American,N/A,Postal mail,2016-12-22,Closed with explanation,Yes,No,CR2258943,252
2016-12-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-12-22,Closed with monetary relief,Yes,No,CR2259376,289
2016-12-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-12-20,Closed with explanation,Yes,No,CR2258552,5013
2016-12-14,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2016-12-15,Closed with explanation,Yes,No,CR2249569,3370
2016-12-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-12-15,Closed with explanation,Yes,No,CR2250123,3482
2016-12-07,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2016-12-08,Closed with explanation,Yes,No,CR2239685,3299
2016-12-06,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-12-06,Closed with explanation,Yes,Yes,CR2238023,3841
2016-12-05,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-12-07,Closed with explanation,Yes,No,CR2236702,4509
2016-12-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-12-06,Closed with non-monetary relief,Yes,No,CR2235451,4145
2016-11-30,Credit card,,Billing disputes,,,,N/A,Postal mail,2016-12-01,Closed with monetary relief,Yes,No,CR2228854,2707
2016-11-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2016-12-01,Closed with monetary relief,Yes,No,CR2230146,3603
2016-11-28,Credit card,,Payoff process,,,,N/A,Postal mail,2016-11-29,Closed with non-monetary relief,Yes,No,CR2226204,6255
2016-11-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-11-28,Closed with explanation,Yes,No,CR2223424,2809
2016-11-23,Credit card,,Other,,,,N/A,Postal mail,2016-11-28,Closed with monetary relief,Yes,No,CR2221342,3732
2016-11-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2016-11-23,Closed with monetary relief,Yes,No,CR2222679,4581
2016-11-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-11-23,Closed with monetary relief,Yes,No,CR2222223,4015
2016-11-22,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Postal mail,2016-11-22,Closed with explanation,Yes,No,CR2220251,123
2016-11-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2016-11-21,Closed with explanation,Yes,No,CR2218454,4492
2016-11-17,Credit card,,Credit determination,,,,N/A,Postal mail,2016-11-17,Closed with explanation,Yes,No,CR2214180,911
2016-11-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-11-17,Closed with monetary relief,Yes,No,CR2212245,1821
2016-11-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Postal mail,2016-11-17,Closed with monetary relief,Yes,No,CR2212620,1670
2016-11-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-12-12,Closed with explanation,Yes,No,CR2209088,3232
2016-11-15,Credit card,,Other,,,,N/A,Postal mail,2016-11-16,Closed with explanation,Yes,Yes,CR2209979,3853
2016-11-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-11-09,Closed with explanation,Yes,No,CR2199697,973
2016-11-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2016-11-04,Closed with explanation,Yes,No,CR2193859,4624
2016-11-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-11-03,Closed with explanation,Yes,No,CR2189595,3494
2016-10-31,Credit card,,Late fee,,,,N/A,Postal mail,2016-11-01,Closed with explanation,Yes,No,CR2187824,942
2016-10-28,Credit card,,Other,,,Older American,N/A,Postal mail,2016-10-31,Closed with non-monetary relief,Yes,No,CR2184797,1617
2016-10-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-10-31,Closed with explanation,Yes,No,CR2182212,1734
2016-10-26,Credit card,,Other,,,,N/A,Postal mail,2016-10-28,Closed with monetary relief,Yes,No,CR2179090,4560
2016-10-26,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Postal mail,2016-11-03,Closed with explanation,Yes,No,CR2181276,18
2016-10-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2016-10-24,Closed with explanation,Yes,No,CR2172937,4164
2016-10-20,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2016-10-24,Closed with explanation,Yes,Yes,CR2172002,390
2016-10-20,Credit card,,Billing statement,,,,N/A,Postal mail,2016-10-24,Closed with explanation,Yes,No,CR2173059,4061
2016-10-18,Credit card,,Advertising and marketing,,,,N/A,Postal mail,2016-10-20,Closed with explanation,Yes,Yes,CR2166955,3612
2016-10-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-10-21,Closed with explanation,Yes,No,CR2165760,10351
2016-10-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-10-17,Closed with monetary relief,Yes,No,CR2159818,5046
2016-10-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Postal mail,2016-10-17,Closed with explanation,Yes,No,CR2157111,3772
2016-10-11,Credit card,,Credit line increase/decrease,,,Older American,N/A,Postal mail,2016-10-13,Closed with explanation,Yes,Yes,CR2155262,2263
2016-10-07,Credit card,,Credit card protection / Debt protection,,,,N/A,Postal mail,2016-10-12,Closed with explanation,Yes,Yes,CR2151317,2720
2016-10-06,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-10-12,Closed with explanation,Yes,No,CR2149200,3539
2016-10-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-10-12,Closed with explanation,Yes,No,CR2149853,962
2016-09-28,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Postal mail,2016-09-30,Closed with monetary relief,Yes,No,CR2136255,313
2016-09-27,Credit card,,Credit line increase/decrease,,,,N/A,Postal mail,2016-09-29,Closed with explanation,Yes,No,CR2135116,2437
2016-09-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-09-28,Closed with explanation,Yes,No,CR2131993,1103
2016-09-26,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2016-09-29,Closed with monetary relief,Yes,No,CR2130710,268
2016-09-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2016-09-28,Closed with explanation,Yes,No,CR2131061,550
2016-09-21,Credit card,,Delinquent account,,,,N/A,Postal mail,2016-12-07,Closed with explanation,Yes,No,CR2124247,195
2016-09-21,Credit card,,Billing disputes,,,Older American,N/A,Postal mail,2016-09-23,Closed with explanation,Yes,Yes,CR2123785,3311
2016-09-21,Credit card,,Other,,,,N/A,Postal mail,2016-09-23,Closed with explanation,Yes,No,CR2123996,615
2016-09-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-10-05,Closed with monetary relief,Yes,No,CR2123924,4626
2016-09-21,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2016-09-22,Closed with explanation,Yes,No,CR2124296,1057
2016-09-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-10-20,Closed with explanation,Yes,No,CR2124324,3960
2016-09-20,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2016-09-22,Closed with explanation,Yes,No,CR2120430,4731
2016-09-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-09-21,Closed with monetary relief,Yes,No,CR2119879,2052
2016-09-19,Credit card,,Late fee,,,,N/A,Postal mail,2016-09-21,Closed with explanation,Yes,No,CR2118493,882
2016-09-19,Credit card,,APR or interest rate,,,,N/A,Postal mail,2016-09-21,Closed with explanation,Yes,No,CR2119080,2404
2016-09-19,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2016-09-20,Closed with explanation,Yes,No,CR2118524,2404
2016-09-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-10-05,Closed with explanation,Yes,No,CR2119922,4268
2016-09-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2016-09-16,Closed with non-monetary relief,Yes,No,CR2114448,340
2016-09-14,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Postal mail,2016-09-16,Closed with explanation,Yes,No,CR2111298,1634
2016-09-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Postal mail,2016-09-17,Closed with explanation,Yes,No,CR2111636,229
2016-09-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2016-09-16,Closed with monetary relief,Yes,No,CR2112926,3292
2016-09-13,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2016-09-15,Closed with monetary relief,Yes,No,CR2110710,314
2016-09-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-10-25,Closed with explanation,Yes,No,CR2109011,951
2016-09-12,Credit card,,Other,,,,N/A,Postal mail,2016-09-15,Closed with explanation,Yes,No,CR2106806,1617
2016-09-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-09-14,Closed with explanation,Yes,No,CR2106553,4522
2016-09-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2016-09-15,Closed with explanation,Yes,No,CR2107839,926
2016-09-09,Credit card,,Unsolicited issuance of credit card,,,,N/A,Postal mail,2016-10-13,Closed with explanation,Yes,No,CR2104830,1659
2016-09-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2016-09-13,Closed with explanation,Yes,No,CR2102776,4311
2016-09-09,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Postal mail,2016-09-13,Closed with monetary relief,Yes,No,CR2104114,5487
2016-09-07,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Postal mail,2016-09-12,Closed with explanation,Yes,Yes,CR2100334,4572
2016-08-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2016-09-06,Closed with explanation,Yes,No,CR2089964,4124
2016-08-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2016-09-07,Closed with explanation,Yes,No,CR2090579,8678
2016-08-26,Credit card,,Rewards,,,Older American,N/A,Postal mail,2016-09-07,Closed with explanation,Yes,No,CR2083973,734
2016-08-24,Credit card,,Closing/Cancelling account,,,Older American,N/A,Postal mail,2016-08-29,Closed with explanation,Yes,No,CR2079025,584
2016-08-24,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2016-08-29,Closed with explanation,Yes,No,CR2078889,2425
2016-08-24,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2016-08-26,Closed with explanation,Yes,No,CR2080151,3613
2016-08-17,Credit card,,Billing disputes,,,,N/A,Postal mail,2016-08-19,Closed with explanation,Yes,No,CR2068994,1343
2016-08-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2016-08-19,Closed with explanation,Yes,Yes,CR2067841,4193
2016-08-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-08-17,Closed with monetary relief,Yes,No,CR2065657,3246
2016-08-12,Bank account or service,Savings account,"Account opening, closing, or management",,,Servicemember,N/A,Postal mail,2016-08-15,Closed with explanation,Yes,No,CR2059861,3631
2016-08-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2016-08-12,Closed with explanation,Yes,No,CR2058582,3670
2016-08-12,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2016-08-16,Closed with explanation,Yes,No,CR2061433,2952
2016-08-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-08-17,Closed with monetary relief,Yes,No,CR2061914,3622
2016-08-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Postal mail,2016-08-12,Closed with explanation,Yes,No,CR2055729,4498
2016-08-09,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2016-08-11,Closed with monetary relief,Yes,No,CR2053433,4016
2016-08-04,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2016-08-07,Closed with non-monetary relief,Yes,No,CR2047529,1375
2016-08-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2016-08-08,Closed with explanation,Yes,Yes,CR2047441,4327
2016-08-02,Credit card,,Other,,,,N/A,Postal mail,2016-08-04,Closed with explanation,Yes,No,CR2042159,975
2016-08-02,Bank account or service,Other bank product/service,Using a debit or ATM card,,,Older American,N/A,Postal mail,2016-08-10,Closed with monetary relief,Yes,No,CR2042383,7166
2016-07-28,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2016-08-01,Closed with monetary relief,Yes,No,CR2035955,10912
2016-07-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-07-29,Closed with monetary relief,Yes,No,CR2032168,1954
2016-07-27,Credit card,,Billing disputes,,,,N/A,Postal mail,2016-07-29,Closed with monetary relief,Yes,No,CR2032442,5152
2016-07-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-07-28,Closed with explanation,Yes,No,CR2029764,854
2016-07-21,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,"Older American, Servicemember",N/A,Postal mail,2016-07-22,Closed with explanation,Yes,No,CR2024387,5214
2016-07-13,Credit card,,Credit determination,,,,N/A,Postal mail,2016-07-14,Closed with explanation,Yes,No,CR2011299,5399
2016-07-13,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2016-07-14,Closed with explanation,Yes,No,CR2011177,4125
2016-07-12,Credit card,,Other,,,,N/A,Postal mail,2016-07-13,Closed with explanation,Yes,No,CR2009490,4198
2016-07-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2016-07-13,Closed with explanation,Yes,No,CR2008113,3954
2016-07-08,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Postal mail,2016-07-11,Closed with explanation,Yes,No,CR2004264,3763
2016-07-06,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Postal mail,2016-07-18,Closed with explanation,Yes,No,CR2001165,5141
2016-06-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2016-07-01,Closed with explanation,Yes,Yes,CR1990253,3602
2016-06-28,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2016-06-30,Closed with explanation,Yes,No,CR1988571,2937
2016-06-27,Credit card,,Billing disputes,,,Servicemember,N/A,Postal mail,2016-06-29,Closed with explanation,Yes,No,CR1986130,1422
2016-06-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-06-28,Closed with explanation,Yes,No,CR1986094,938
2016-06-22,Credit card,,Payoff process,,,,N/A,Postal mail,2016-06-23,Closed with explanation,Yes,No,CR1979353,3888
2016-06-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-06-20,Closed with explanation,Yes,Yes,CR1974115,12325
2016-06-14,Credit card,,Billing disputes,,,,N/A,Postal mail,2016-06-15,Closed with explanation,Yes,No,CR1968121,2209
2016-06-14,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Postal mail,2016-06-15,Closed with explanation,Yes,Yes,CR1967343,3143
2016-06-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-06-16,Closed with explanation,Yes,No,CR1968804,126
2016-06-08,Credit card,,Late fee,,,Older American,N/A,Postal mail,2016-06-10,Closed with monetary relief,Yes,No,CR1959194,3016
2016-06-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2016-06-09,Closed with non-monetary relief,Yes,No,CR1957744,1924
2016-06-01,Credit card,,Rewards,,,,N/A,Postal mail,2016-06-03,Closed with explanation,Yes,No,CR1949866,4081
2016-06-01,Credit card,,Rewards,,,,N/A,Postal mail,2016-06-03,Closed with explanation,Yes,No,CR1949659,1817
2016-05-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-05-25,Closed with explanation,Yes,No,CR1941546,1725
2016-05-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-05-31,Closed with explanation,Yes,No,CR1942110,1979
2016-05-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-05-31,Closed with explanation,Yes,No,CR1941376,844
2016-05-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2016-05-26,Closed with explanation,Yes,No,CR1940659,2604
2016-05-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2016-05-31,Closed with explanation,Yes,No,CR1940052,5144
2016-05-23,Credit card,,Credit line increase/decrease,,,,N/A,Postal mail,2016-05-26,Closed with explanation,Yes,No,CR1937602,3783
2016-05-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2016-05-18,Closed with explanation,Yes,No,CR1930395,259
2016-05-11,Credit card,,Other fee,,,,N/A,Postal mail,2016-05-26,Closed with explanation,Yes,No,CR1919514,2832
2016-05-11,Credit card,,Credit line increase/decrease,,,,N/A,Postal mail,2016-05-12,Closed with monetary relief,Yes,No,CR1919645,3355
2016-05-11,Credit card,,Credit line increase/decrease,,,,N/A,Postal mail,2016-05-12,Closed with monetary relief,Yes,No,CR1919975,12051
2016-05-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Postal mail,2016-05-13,Closed with non-monetary relief,Yes,No,CR1917514,11271
2016-05-09,Credit card,,Credit determination,,,,N/A,Postal mail,2016-05-09,Closed with explanation,Yes,No,CR1916042,4463
2016-05-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-05-09,Closed with explanation,Yes,Yes,CR1912592,1935
2016-05-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-05-06,Closed with explanation,Yes,Yes,CR1909608,853
2016-05-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-05-09,Closed with explanation,Yes,Yes,CR1910899,560
2016-05-04,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Postal mail,2016-05-09,Closed with explanation,Yes,No,CR1910227,2468
2016-05-03,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Servicemember,N/A,Postal mail,2016-05-05,Closed with explanation,Yes,No,CR1907400,11208
2016-04-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2016-05-02,Closed with explanation,Yes,No,CR1900945,13886
2016-04-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-04-28,Closed with explanation,Yes,No,CR1899878,1828
2016-04-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-04-26,Closed with explanation,Yes,No,CR1898039,753
2016-04-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2016-04-27,Closed with monetary relief,Yes,No,CR1892105,3990
2016-04-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-04-21,Closed with monetary relief,Yes,No,CR1891272,4262
2016-04-13,Credit card,,Delinquent account,,,,N/A,Postal mail,2016-04-15,Closed with non-monetary relief,Yes,No,CR1877516,644
2016-04-13,Credit card,,Other fee,,,Servicemember,N/A,Postal mail,2016-04-13,Closed with monetary relief,Yes,No,CR1878237,170
2016-04-12,Credit card,,Billing disputes,,,,N/A,Postal mail,2016-04-13,Closed with explanation,Yes,No,CR1875589,10066
2016-04-12,Credit card,,Other,,,,N/A,Postal mail,2016-05-24,Closed with explanation,Yes,No,CR1875991,2885
2016-04-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2016-04-12,Closed with explanation,Yes,No,CR1875796,4796
2016-04-11,Credit card,,Billing disputes,,,"Older American, Servicemember",N/A,Postal mail,2016-04-11,Closed with explanation,Yes,Yes,CR1874694,1167
2016-04-11,Credit card,,Billing disputes,,,,N/A,Postal mail,2016-04-13,Closed with explanation,Yes,No,CR1874408,1817
2016-04-11,Credit card,,Billing disputes,,,,N/A,Postal mail,2016-04-13,Closed with explanation,Yes,No,CR1873543,5354
2016-04-11,Credit card,,Delinquent account,,,,N/A,Postal mail,2016-04-11,Closed with monetary relief,Yes,No,CR1874223,119
2016-04-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-04-13,Closed with explanation,Yes,No,CR1874363,9915
2016-04-08,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2016-04-08,Closed with explanation,Yes,No,CR1870285,63
2016-04-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-04-04,Closed with non-monetary relief,Yes,Yes,CR1863672,8091
2016-04-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2016-04-04,Closed with explanation,Yes,No,CR1860467,4024
2016-03-30,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2016-03-30,Closed with explanation,Yes,No,CR1856319,1718
2016-03-29,Credit card,,Late fee,,,,N/A,Postal mail,2016-03-29,Closed with monetary relief,Yes,No,CR1854125,1794
2016-03-25,Bank account or service,Checking account,Problems caused by my funds being low,,,"Older American, Servicemember",N/A,Postal mail,2016-03-28,Closed with explanation,Yes,No,CR1850371,1631
2016-03-24,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Postal mail,2016-03-28,Closed with explanation,Yes,No,CR1849018,13291
2016-03-22,Credit card,,Other,,,Older American,N/A,Postal mail,2016-03-22,Closed with explanation,Yes,No,CR1843712,163
2016-03-18,Credit card,,Credit line increase/decrease,,,,N/A,Postal mail,2016-03-18,Closed with explanation,Yes,No,CR1839619,7435
2016-03-18,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Postal mail,2016-03-22,Closed with explanation,Yes,No,CR1839721,1440
2016-03-16,Credit card,,Other,,,,N/A,Postal mail,2016-03-18,Closed with explanation,Yes,No,CR1834278,2693
2016-03-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-03-16,Closed with explanation,Yes,No,CR1835332,2527
2016-03-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-03-17,Closed with explanation,Yes,No,CR1835930,4928
2016-03-15,Credit card,,Billing disputes,,,,N/A,Postal mail,2016-03-16,Closed with monetary relief,Yes,Yes,CR1833581,409
2016-03-14,Credit card,,APR or interest rate,,,,N/A,Postal mail,2016-03-14,Closed with explanation,Yes,No,CR1831653,1574
2016-03-11,Credit card,,Billing disputes,,,,N/A,Postal mail,2016-03-25,Closed with explanation,Yes,No,CR1828100,4199
2016-03-09,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2016-03-10,Closed with non-monetary relief,Yes,No,CR1824920,4907
2016-03-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2016-03-10,Closed with explanation,Yes,No,CR1823750,3370
2016-03-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-03-17,Closed with explanation,Yes,Yes,CR1823106,1934
2016-03-07,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-03-07,Closed with explanation,Yes,No,CR1819921,498
2016-03-07,Credit card,,Other,,,,N/A,Postal mail,2016-03-09,Closed with explanation,Yes,Yes,CR1820535,4501
2016-03-04,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2016-03-07,Closed with explanation,Yes,No,CR1816814,1411
2016-03-04,Credit card,,Credit determination,,,Older American,N/A,Postal mail,2016-03-07,Closed with explanation,Yes,No,CR1818167,766
2016-03-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2016-03-02,Closed with monetary relief,Yes,No,CR1813349,2042
2016-02-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2016-03-01,Closed with explanation,Yes,No,CR1809005,3396
2016-02-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2016-02-29,Closed with explanation,Yes,No,CR1804301,2569
2016-02-24,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2016-02-26,Closed with explanation,Yes,Yes,CR1802785,554
2016-02-23,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-03-03,Closed with explanation,Yes,No,CR1799864,6886
2016-02-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-02-23,Closed with non-monetary relief,Yes,No,CR1797317,226
2016-02-19,Credit card,,Credit determination,,,,N/A,Postal mail,2016-02-22,Closed with explanation,Yes,No,CR1795747,4727
2016-02-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-02-25,Closed with non-monetary relief,Yes,Yes,CR1792706,623
2016-02-16,Credit card,,Billing disputes,,,,N/A,Postal mail,2016-02-18,Closed with explanation,Yes,No,CR1790071,2798
2016-02-16,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Postal mail,2016-02-17,Closed with explanation,Yes,No,CR1788844,3483
2016-02-12,Credit card,,Billing disputes,,,,N/A,Postal mail,2016-02-12,Closed with explanation,Yes,Yes,CR1786858,3287
2016-02-09,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2016-03-11,Closed with explanation,Yes,No,CR1780662,10746
2016-02-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-02-25,Closed with non-monetary relief,Yes,No,CR1777183,468
2016-02-03,Bank account or service,(CD) Certificate of deposit,"Making/receiving payments, sending money",,,,N/A,Postal mail,2016-03-17,Closed with explanation,Yes,No,CR1772134,1033
2016-02-02,Credit card,,Billing disputes,,,,N/A,Postal mail,2016-02-03,Closed with explanation,Yes,No,CR1769933,1497
2016-02-02,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2016-02-02,Closed with explanation,Yes,No,CR1768779,2999
2016-02-01,Credit card,,Transaction issue,,,,N/A,Postal mail,2016-02-01,Closed with explanation,Yes,No,CR1766940,3893
2016-01-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2016-01-27,Closed with explanation,Yes,No,CR1761571,2905
2016-01-26,Bank account or service,Checking account,Using a debit or ATM card,,,Servicemember,N/A,Postal mail,2016-01-26,Closed with explanation,Yes,No,CR1759470,192
2016-01-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-01-26,Closed with non-monetary relief,Yes,No,CR1757625,3768
2016-01-25,Credit card,,Transaction issue,,,,N/A,Postal mail,2016-01-25,Closed with explanation,Yes,No,CR1755925,528
2016-01-21,Credit card,,Transaction issue,,,Servicemember,N/A,Postal mail,2016-01-28,Closed with monetary relief,Yes,No,CR1752002,1827
2016-01-21,Credit card,,Other,,,,N/A,Postal mail,2016-01-28,Closed with non-monetary relief,Yes,No,CR1751734,291
2016-01-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-01-21,Closed with explanation,Yes,Yes,CR1752931,2104
2016-01-21,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Postal mail,2016-01-22,Closed with explanation,Yes,No,CR1751316,13262
2016-01-20,Credit card,,Delinquent account,,,,N/A,Postal mail,2016-01-20,Closed with explanation,Yes,No,CR1750873,3550
2016-01-20,Credit card,,Late fee,,,,N/A,Postal mail,2016-02-25,Closed with monetary relief,Yes,No,CR1750681,1019
2016-01-20,Credit card,,Other,,,,N/A,Postal mail,2016-01-21,Closed with explanation,Yes,No,CR1750285,3398
2016-01-13,Credit card,,Billing disputes,,,Servicemember,N/A,Postal mail,2016-01-13,Closed with explanation,Yes,No,CR1739982,2508
2016-01-13,Credit card,,Other fee,,,,N/A,Postal mail,2016-01-13,Closed with monetary relief,Yes,No,CR1741597,1649
2016-01-13,Credit card,,Other,,,,N/A,Postal mail,2016-01-28,Closed with explanation,Yes,No,CR1741538,11906
2016-01-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2016-01-13,Closed with monetary relief,Yes,No,CR1739146,656
2016-01-11,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Postal mail,2016-01-28,Closed with explanation,Yes,No,CR1737466,1761
2016-01-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-01-04,Closed with explanation,Yes,No,CR1725940,1830
2016-01-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2016-01-04,Closed with non-monetary relief,Yes,No,CR1725353,9427
2015-12-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2016-01-26,Closed with explanation,Yes,No,CR1723447,2804
2015-12-30,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2015-12-30,Closed with explanation,Yes,No,CR1722662,3678
2015-12-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2015-12-30,Closed with explanation,Yes,No,CR1722292,33
2015-12-29,Credit card,,Advertising and marketing,,,,N/A,Postal mail,2016-01-22,Closed with explanation,Yes,No,CR1721069,468
2015-12-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2016-01-04,Closed with explanation,Yes,No,CR1720348,370
2015-12-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-12-28,Closed with monetary relief,Yes,No,CR1718256,680
2015-12-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2015-12-22,Closed with non-monetary relief,Yes,No,CR1712230,10075
2015-12-22,Credit card,,Other,,,,N/A,Postal mail,2015-12-22,Closed with explanation,Yes,No,CR1712593,2304
2015-12-16,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2015-12-16,Closed with explanation,Yes,Yes,CR1706813,1738
2015-12-11,Credit card,,APR or interest rate,,,Older American,N/A,Postal mail,2015-12-14,Closed with explanation,Yes,Yes,CR1693351,5860
2015-12-11,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Postal mail,2015-12-30,Closed with explanation,Yes,No,CR1693184,4217
2015-12-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-12-11,Closed with monetary relief,Yes,No,CR1693185,1056
2015-12-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2015-12-03,Closed with explanation,Yes,No,CR1680495,4054
2015-11-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-12-01,Closed with explanation,Yes,Yes,CR1675811,2767
2015-11-24,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Postal mail,2015-11-30,Closed with monetary relief,Yes,No,CR1670934,103
2015-11-17,Credit card,,Credit determination,,,,N/A,Postal mail,2015-11-18,Closed with explanation,Yes,No,CR1660050,3277
2015-11-17,Credit card,,Other,,,,N/A,Postal mail,2015-11-19,Closed with explanation,Yes,No,CR1660335,851
2015-11-17,Credit card,,Unsolicited issuance of credit card,,,Older American,N/A,Postal mail,2015-11-18,Closed with non-monetary relief,Yes,No,CR1658837,3247
2015-11-13,Credit card,,Other,,,,N/A,Postal mail,2015-11-17,Closed with non-monetary relief,Yes,No,CR1653725,3777
2015-11-10,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2015-11-13,Closed with explanation,Yes,No,CR1648334,1240
2015-11-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-11-09,Closed with non-monetary relief,Yes,Yes,CR1645965,2801
2015-11-04,Credit card,,Billing disputes,,,Older American,N/A,Postal mail,2015-11-24,Closed with explanation,Yes,No,CR1639357,3142
2015-11-04,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Postal mail,2015-11-09,Closed with explanation,Yes,No,CR1640566,4499
2015-10-30,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2015-11-02,Closed with explanation,Yes,No,CR1633043,134
2015-10-30,Credit card,,Billing disputes,,,,N/A,Postal mail,2015-11-02,Closed with monetary relief,Yes,No,CR1633056,486
2015-10-29,Credit card,,Delinquent account,,,,N/A,Postal mail,2015-10-30,Closed with non-monetary relief,Yes,No,CR1630524,16
2015-10-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-11-20,Closed with explanation,Yes,No,CR1630364,3633
2015-10-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2015-10-30,Closed with explanation,Yes,No,CR1630423,2640
2015-10-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-11-02,Closed with explanation,Yes,No,CR1631397,5247
2015-10-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2015-10-30,Closed with monetary relief,Yes,No,CR1629513,13750
2015-10-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2015-10-30,Closed with explanation,Yes,No,CR1627236,4286
2015-10-20,Credit card,,Unsolicited issuance of credit card,,,,N/A,Postal mail,2015-10-22,Closed with explanation,Yes,No,CR1615332,2800
2015-10-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2015-10-21,Closed with explanation,Yes,No,CR1612774,2330
2015-10-19,Bank account or service,Other bank product/service,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Postal mail,2015-10-21,Closed with monetary relief,Yes,No,CR1612696,4001
2015-10-15,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2015-10-19,Closed with explanation,Yes,No,CR1608784,3171
2015-10-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2015-11-09,Closed with explanation,Yes,No,CR1609334,1576
2015-10-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-10-19,Closed with explanation,Yes,No,CR1608859,1917
2015-10-07,Credit card,,Rewards,,,,N/A,Postal mail,2015-10-09,Closed with explanation,Yes,Yes,CR1597893,1926
2015-10-02,Credit card,,Billing disputes,,,,N/A,Postal mail,2015-10-02,Closed with explanation,Yes,Yes,CR1590286,4721
2015-10-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2015-10-06,Closed with explanation,Yes,Yes,CR1590106,3504
2015-09-30,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2015-10-05,Closed with explanation,Yes,No,CR1587313,2441
2015-09-29,Credit card,,Billing disputes,,,,N/A,Postal mail,2015-09-30,Closed with explanation,Yes,Yes,CR1584140,3309
2015-09-25,Credit card,,Billing disputes,,,,N/A,Postal mail,2015-09-30,Closed with explanation,Yes,No,CR1580992,12586
2015-09-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Postal mail,2015-09-29,Closed with explanation,Yes,No,CR1580111,3181
2015-09-24,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2015-09-28,Closed with non-monetary relief,Yes,No,CR1578014,1011
2015-09-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-09-28,Closed with explanation,Yes,Yes,CR1577468,541
2015-09-21,Credit card,,Late fee,,,,N/A,Postal mail,2015-09-24,Closed with explanation,Yes,No,CR1572142,2769
2015-09-18,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Postal mail,2015-09-22,Closed with explanation,Yes,Yes,CR1571098,529
2015-09-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2015-09-22,Closed with explanation,Yes,No,CR1569460,3236
2015-09-16,Bank account or service,Other bank product/service,Using a debit or ATM card,,,"Older American, Servicemember",N/A,Postal mail,2015-09-17,Closed with explanation,Yes,Yes,CR1567700,5978
2015-09-15,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2015-10-05,Closed with explanation,Yes,No,CR1565229,12986
2015-09-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-09-18,Closed with explanation,Yes,No,CR1565363,1419
2015-09-09,Credit card,,Credit line increase/decrease,,,,N/A,Postal mail,2015-09-15,Closed with explanation,Yes,Yes,CR1557863,4465
2015-09-08,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Postal mail,2015-09-08,Closed with explanation,Yes,No,CR1554953,5376
2015-09-08,Credit card,,Credit determination,,,,N/A,Postal mail,2015-10-08,Closed with explanation,Yes,No,CR1555127,4442
2015-09-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2015-09-29,Closed with non-monetary relief,Yes,No,CR1554501,11517
2015-09-03,Credit card,,Late fee,,,,N/A,Postal mail,2015-09-05,Closed with explanation,Yes,No,CR1550838,4529
2015-09-03,Credit card,,Credit determination,,,,N/A,Postal mail,2015-10-05,Closed with non-monetary relief,Yes,No,CR1550513,8726
2015-09-03,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2015-09-04,Closed with non-monetary relief,Yes,Yes,CR1550303,1852
2015-09-02,Credit card,,Late fee,,,,N/A,Postal mail,2015-09-03,Closed with monetary relief,Yes,No,CR1550372,1450
2015-09-01,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Postal mail,2015-09-01,Closed,Yes,No,CR1547100,2259
2015-08-26,Credit card,,Billing disputes,,,,N/A,Postal mail,2015-08-27,Closed with explanation,Yes,No,CR1537464,3882
2015-08-26,Credit card,,Credit line increase/decrease,,,Older American,N/A,Postal mail,2015-09-02,Closed with explanation,Yes,No,CR1538323,1751
2015-08-21,Credit card,,Billing disputes,,,,N/A,Postal mail,2015-08-21,Closed with explanation,Yes,No,CR1529786,2118
2015-08-20,Credit card,,Credit line increase/decrease,,,,N/A,Postal mail,2015-08-21,Closed with explanation,Yes,No,CR1528299,2496
2015-08-18,Credit card,,Other,,,,N/A,Postal mail,2015-08-19,Closed with explanation,Yes,No,CR1523348,3206
2015-08-18,Credit card,,Credit line increase/decrease,,,,N/A,Postal mail,2015-08-24,Closed with explanation,Yes,No,CR1524415,2187
2015-08-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2015-08-19,Closed with explanation,Yes,Yes,CR1522846,4270
2015-08-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2015-08-20,Closed with explanation,Yes,Yes,CR1516691,4092
2015-08-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-08-11,Closed with explanation,Yes,No,CR1512902,9997
2015-08-07,Credit card,,Forbearance / Workout plans,,,,N/A,Postal mail,2015-08-11,Closed with explanation,Yes,No,CR1509215,2333
2015-08-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2015-08-10,Closed with explanation,Yes,No,CR1509134,4175
2015-08-06,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2015-08-07,Closed with explanation,Yes,No,CR1507355,4126
2015-08-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2015-08-06,Closed with explanation,Yes,Yes,CR1500202,2481
2015-07-31,Credit card,,Other,,,Older American,N/A,Postal mail,2015-08-03,Closed with explanation,Yes,No,CR1497595,4337
2015-07-31,Credit card,,Credit line increase/decrease,,,,N/A,Postal mail,2015-08-03,Closed with non-monetary relief,Yes,No,CR1496383,4659
2015-07-31,Credit card,,Other,,,,N/A,Postal mail,2015-08-03,Closed with non-monetary relief,Yes,No,CR1496382,503
2015-07-31,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2015-08-03,Closed with explanation,Yes,Yes,CR1497477,3437
2015-07-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2015-08-05,Closed with monetary relief,Yes,No,CR1497460,3733
2015-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2015-08-06,Closed with explanation,Yes,No,CR1496351,4373
2015-07-30,Credit card,,Billing statement,,,,N/A,Postal mail,2015-08-19,Closed with monetary relief,Yes,No,CR1495257,3686
2015-07-28,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2015-07-29,Closed with explanation,Yes,No,CR1490998,6175
2015-07-23,Credit card,,Billing disputes,,,Older American,N/A,Postal mail,2015-07-24,Closed with explanation,Yes,No,CR1484289,1286
2015-07-23,Credit card,,Customer service / Customer relations,,,,N/A,Postal mail,2015-07-24,Closed with explanation,Yes,No,CR1484603,9664
2015-07-23,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2015-07-23,Closed with explanation,Yes,No,CR1484141,4345
2015-07-23,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2015-07-24,Closed with monetary relief,Yes,No,CR1484298,1040
2015-07-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Postal mail,2015-07-24,Closed with explanation,Yes,No,CR1484197,3611
2015-07-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2015-07-22,Closed with explanation,Yes,No,CR1481105,4318
2015-07-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-07-24,Closed,Yes,No,CR1481909,718
2015-07-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2015-07-20,Closed,Yes,No,CR1475200,3868
2015-07-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2015-07-22,Closed with explanation,Yes,No,CR1471978,4826
2015-07-15,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2015-07-16,Closed with explanation,Yes,No,CR1470323,519
2015-07-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Postal mail,2015-07-16,Closed with explanation,Yes,Yes,CR1470490,4181
2015-07-14,Credit card,,Credit line increase/decrease,,,,N/A,Postal mail,2015-07-15,Closed with explanation,Yes,No,CR1468137,4576
2015-07-08,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Postal mail,2015-07-08,Closed with explanation,Yes,No,CR1458455,2881
2015-07-02,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Postal mail,2015-07-02,Closed with explanation,Yes,No,CR1448631,5478
2015-06-26,Credit card,,Credit determination,,,,N/A,Postal mail,2015-06-29,Closed with explanation,Yes,Yes,CR1440090,3150
2015-06-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-06-29,Closed with explanation,Yes,Yes,CR1440934,4565
2015-06-23,Credit card,,APR or interest rate,,,,N/A,Postal mail,2015-06-26,Closed with explanation,Yes,No,CR1434539,1336
2015-06-18,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Postal mail,2015-06-24,Closed with explanation,Yes,Yes,CR1428359,5254
2015-06-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Postal mail,2015-06-24,Closed with explanation,Yes,No,CR1422293,3682
2015-06-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-06-16,Closed with explanation,Yes,No,CR1418533,352
2015-06-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2015-06-17,Closed with explanation,Yes,No,CR1419754,1577
2015-06-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2015-06-17,Closed with explanation,Yes,No,CR1418766,2543
2015-06-10,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2015-06-10,Closed with explanation,Yes,No,CR1414538,3668
2015-06-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2015-06-11,Closed with explanation,Yes,No,CR1414194,9555
2015-06-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2015-06-15,Closed with explanation,Yes,Yes,CR1415743,2003
2015-06-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2015-06-15,Closed with monetary relief,Yes,Yes,CR1415128,4487
2015-06-03,Credit card,,Billing disputes,,,Servicemember,N/A,Postal mail,2015-06-05,Closed with explanation,Yes,No,CR1403361,1906
2015-05-29,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Postal mail,2015-05-29,Closed with explanation,Yes,Yes,CR1397536,10201
2015-05-26,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2015-05-27,Closed with explanation,Yes,No,CR1390944,1395
2015-05-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2015-05-27,Closed with non-monetary relief,Yes,No,CR1389361,721
2015-05-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2015-05-27,Closed with explanation,Yes,No,CR1386876,10077
2015-05-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2015-05-27,Closed with explanation,Yes,No,CR1387408,1649
2015-05-20,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Postal mail,2015-05-26,Closed with explanation,Yes,No,CR1385114,381
2015-05-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2015-06-16,Closed with explanation,Yes,No,CR1384077,1934
2015-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2015-05-15,Closed with explanation,Yes,No,CR1377630,3020
2015-05-12,Credit card,,APR or interest rate,,,"Older American, Servicemember",N/A,Postal mail,2015-05-12,Closed with monetary relief,Yes,No,CR1371826,657
2015-05-05,Credit card,,Other fee,,,,N/A,Postal mail,2015-05-06,Closed with monetary relief,Yes,No,CR1360875,353
2015-04-30,Credit card,,Other,,,,N/A,Postal mail,2015-05-04,Closed with explanation,Yes,Yes,CR1355330,2116
2015-04-29,Credit card,,Application processing delay,,,,N/A,Postal mail,2015-05-18,Closed with explanation,Yes,No,CR1352279,870
2015-04-28,Credit card,,Customer service / Customer relations,,,,N/A,Postal mail,2015-04-29,Closed with explanation,Yes,No,CR1350626,479
2015-04-28,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2015-05-01,Closed with explanation,Yes,No,CR1351216,1058
2015-04-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2015-05-01,Closed with explanation,Yes,Yes,CR1350500,2816
2015-04-23,Credit card,,Delinquent account,,,,N/A,Postal mail,2015-05-20,Closed with explanation,Yes,Yes,CR1343326,3462
2015-04-23,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2015-04-28,Closed with explanation,Yes,No,CR1343295,3596
2015-04-17,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2015-06-02,Closed with explanation,Yes,No,CR1335855,4148
2015-04-15,Credit card,,Late fee,,,,N/A,Postal mail,2015-04-17,Closed with explanation,Yes,No,CR1331611,2573
2015-04-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2015-04-16,Closed with explanation,Yes,No,CR1328481,4393
2015-04-10,Credit card,,Rewards,,,,N/A,Postal mail,2015-06-11,Closed with explanation,Yes,No,CR1324289,2610
2015-04-10,Credit card,,Billing disputes,,,,N/A,Postal mail,2015-04-14,Closed with monetary relief,Yes,Yes,CR1325033,75
2015-04-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-04-10,Closed with explanation,Yes,Yes,CR1321268,3341
2015-04-06,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2015-04-08,Closed with explanation,Yes,No,CR1316790,8463
2015-04-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2015-04-03,Closed with explanation,Yes,No,CR1313087,115
2015-04-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-04-03,Closed with explanation,Yes,No,CR1313382,3720
2015-03-25,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Postal mail,2015-03-26,Closed with monetary relief,Yes,No,CR1300363,513
2015-03-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2015-03-23,Closed with monetary relief,Yes,Yes,CR1295509,2318
2015-03-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2015-03-26,Closed with explanation,Yes,No,CR1295205,2835
2015-03-19,Credit card,,Other,,,,N/A,Postal mail,2015-04-17,Closed with explanation,Yes,No,CR1290903,2263
2015-03-19,Credit card,,Other,,,Older American,N/A,Postal mail,2015-03-25,Closed with explanation,Yes,Yes,CR1292251,443
2015-03-19,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2015-03-25,Closed with monetary relief,Yes,Yes,CR1290955,3865
2015-03-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-03-25,Closed with explanation,Yes,No,CR1290212,3231
2015-03-13,Credit card,,Application processing delay,,,,N/A,Postal mail,2015-03-19,Closed with explanation,Yes,No,CR1282398,5056
2015-03-10,Credit card,,Other fee,,,,N/A,Postal mail,2015-03-16,Closed with monetary relief,Yes,No,CR1275477,1017
2015-03-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2015-03-11,Closed with explanation,Yes,No,CR1276653,4067
2015-03-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2015-03-10,Closed with explanation,Yes,No,CR1273930,143
2015-03-05,Credit card,,Billing disputes,,,,N/A,Postal mail,2015-03-12,Closed with explanation,Yes,Yes,CR1270009,5402
2015-03-03,Bank account or service,(CD) Certificate of deposit,"Making/receiving payments, sending money",,,,N/A,Postal mail,2015-03-09,Closed with explanation,Yes,No,CR1266085,1298
2015-03-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-03-09,Closed with explanation,Yes,Yes,CR1262738,9174
2015-02-27,Credit card,,Billing disputes,,,,N/A,Postal mail,2015-03-12,Closed with explanation,Yes,Yes,CR1261301,3910
2015-02-25,Credit card,,Other fee,,,,N/A,Postal mail,2015-03-03,Closed with explanation,Yes,No,CR1256026,5775
2015-02-25,Credit card,,Billing disputes,,,,N/A,Postal mail,2015-03-03,Closed with explanation,Yes,No,CR1256262,4465
2015-02-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2015-03-03,Closed with explanation,Yes,No,CR1256821,4140
2015-02-24,Credit card,,Other fee,,,,N/A,Postal mail,2015-03-02,Closed with explanation,Yes,Yes,CR1253728,1863
2015-02-24,Credit card,,Other fee,,,Older American,N/A,Postal mail,2015-03-02,Closed with explanation,Yes,No,CR1255131,2342
2015-02-24,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Postal mail,2015-04-30,Closed with explanation,Yes,Yes,CR1255023,977
2015-02-20,Credit card,,Delinquent account,,,,N/A,Postal mail,2015-02-27,Closed with explanation,Yes,No,CR1250381,404
2015-02-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-02-26,Closed with explanation,Yes,No,CR1248441,2868
2015-02-13,Credit card,,Cash advance,,,,N/A,Postal mail,2015-02-20,Closed with explanation,Yes,Yes,CR1240449,3045
2015-02-13,Credit card,,Billing statement,,,,N/A,Postal mail,2015-03-09,Closed with explanation,Yes,No,CR1239000,3372
2015-02-09,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2015-02-11,Closed with explanation,Yes,No,CR1232280,1401
2015-02-09,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Postal mail,2015-02-09,Closed with monetary relief,Yes,No,CR1231054,7980
2015-02-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2015-02-06,Closed with explanation,Yes,No,CR1229700,50
2015-02-05,Credit card,,Delinquent account,,,,N/A,Postal mail,2015-02-06,Closed with explanation,Yes,No,CR1226375,4974
2015-02-05,Credit card,,Billing disputes,,,,N/A,Postal mail,2015-02-10,Closed with explanation,Yes,No,CR1225835,5030
2015-02-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-02-02,Closed with explanation,Yes,No,CR1220070,3866
2015-01-30,Credit card,,Bankruptcy,,,,N/A,Postal mail,2015-02-04,Closed with explanation,Yes,Yes,CR1218371,3891
2015-01-28,Credit card,,Other,,,,N/A,Postal mail,2015-01-28,Closed with monetary relief,Yes,No,CR1214307,626
2015-01-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-01-29,Closed with explanation,Yes,No,CR1215121,3567
2015-01-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2015-01-28,Closed with explanation,Yes,Yes,CR1211864,4445
2015-01-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-01-27,Closed with explanation,Yes,No,CR1211913,3667
2015-01-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2015-01-27,Closed with explanation,Yes,No,CR1211861,1046
2015-01-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2015-01-27,Closed with monetary relief,Yes,No,CR1206415,2281
2015-01-23,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2015-01-27,Closed with explanation,Yes,No,CR1206737,8096
2015-01-22,Credit card,,Credit line increase/decrease,,,,N/A,Postal mail,2015-01-27,Closed with explanation,Yes,No,CR1204731,4460
2015-01-15,Credit card,,Customer service / Customer relations,,,,N/A,Postal mail,2015-01-22,Closed with monetary relief,Yes,No,CR1195298,1683
2015-01-09,Credit card,,Payoff process,,,Servicemember,N/A,Postal mail,2015-01-13,Closed with explanation,Yes,No,CR1188934,4609
2015-01-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Postal mail,2015-01-09,Closed with explanation,Yes,No,CR1186362,1053
2015-01-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2015-01-13,Closed with explanation,Yes,No,CR1185237,10274
2015-01-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2015-01-09,Closed with explanation,Yes,No,CR1182315,4481
2014-12-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-12-29,Closed with explanation,Yes,Yes,CR1171088,989
2014-12-26,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Postal mail,2014-12-29,Closed with explanation,Yes,No,CR1171638,361
2014-12-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2015-01-07,Closed with non-monetary relief,Yes,No,CR1171626,3072
2014-12-24,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Postal mail,2014-12-31,Closed with explanation,Yes,No,CR1170665,2582
2014-12-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-12-30,Closed with explanation,Yes,No,CR1163221,4929
2014-12-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-12-18,Closed with non-monetary relief,Yes,No,CR1160698,4388
2014-12-11,Credit card,,Transaction issue,,,,N/A,Postal mail,2014-12-15,Closed with explanation,Yes,No,CR1152452,1328
2014-12-11,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2014-12-12,Closed with explanation,Yes,No,CR1151930,4901
2014-12-10,Credit card,,Other,,,Older American,N/A,Postal mail,2014-12-29,Closed with explanation,Yes,Yes,CR1150446,2964
2014-12-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-12-12,Closed with explanation,Yes,No,CR1151251,3737
2014-12-09,Credit card,,Other,,,,N/A,Postal mail,2014-12-10,Closed with explanation,Yes,No,CR1148878,1656
2014-12-05,Credit card,,Customer service / Customer relations,,,,N/A,Postal mail,2014-12-10,Closed with explanation,Yes,No,CR1144927,3213
2014-12-03,Credit card,,Other,,,,N/A,Postal mail,2014-12-31,Closed with explanation,Yes,No,CR1140264,1258
2014-12-01,Bank account or service,Savings account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Postal mail,2014-12-03,Closed with explanation,Yes,Yes,CR1137360,1548
2014-11-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-11-25,Closed with explanation,Yes,Yes,CR1123737,1328
2014-11-17,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Postal mail,2014-11-20,Closed with explanation,Yes,No,CR1120533,1850
2014-11-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Postal mail,2014-11-14,Closed with explanation,Yes,No,CR1115686,8738
2014-11-13,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Postal mail,2014-11-19,Closed with explanation,Yes,No,CR1115856,3443
2014-11-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-11-19,Closed with explanation,Yes,No,CR1115889,1143
2014-11-12,Credit card,,Credit determination,,,,N/A,Postal mail,2014-11-17,Closed with explanation,Yes,Yes,CR1113443,3421
2014-11-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2014-11-06,Closed with explanation,Yes,No,CR1106074,1031
2014-11-05,Credit card,,APR or interest rate,,,,N/A,Postal mail,2014-11-06,Closed with explanation,Yes,Yes,CR1102827,2430
2014-11-05,Credit card,,Credit line increase/decrease,,,,N/A,Postal mail,2014-11-06,Closed with explanation,Yes,No,CR1103587,250
2014-11-05,Credit card,,Unsolicited issuance of credit card,,,,N/A,Postal mail,2014-11-12,Closed with non-monetary relief,Yes,No,CR1103721,582
2014-11-05,Bank account or service,Other bank product/service,Using a debit or ATM card,,,"Older American, Servicemember",N/A,Postal mail,2014-11-06,Closed with explanation,Yes,Yes,CR1103943,2139
2014-10-28,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Postal mail,2014-11-03,Closed with explanation,Yes,Yes,CR1088297,563
2014-10-27,Credit card,,Other,,,,N/A,Postal mail,2014-10-30,Closed with explanation,Yes,Yes,CR1090220,6366
2014-10-27,Credit card,,Advertising and marketing,,,Older American,N/A,Postal mail,2014-10-31,Closed with explanation,Yes,No,CR1090370,4193
2014-10-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-10-31,Closed with explanation,Yes,No,CR1090339,7241
2014-10-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-10-30,Closed with explanation,Yes,No,CR1090004,3022
2014-10-24,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2014-10-29,Closed with explanation,Yes,No,CR1085767,1375
2014-10-23,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2014-11-03,Closed with monetary relief,Yes,Yes,CR1084212,2620
2014-10-23,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2014-10-29,Closed with explanation,Yes,No,CR1083920,3628
2014-10-21,Credit card,,Closing/Cancelling account,,,Older American,N/A,Postal mail,2014-10-27,Closed with explanation,Yes,Yes,CR1079440,1154
2014-10-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-10-23,Closed with explanation,Yes,No,CR1075183,1954
2014-10-16,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-10-22,Closed with explanation,Yes,No,CR1073512,2232
2014-10-14,Credit card,,Other,,,,N/A,Postal mail,2014-10-17,Closed with explanation,Yes,No,CR1070165,1912
2014-10-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-11-03,Closed with explanation,Yes,Yes,CR1070539,3142
2014-10-14,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Postal mail,2014-10-20,Closed with explanation,Yes,No,CR1070034,4772
2014-10-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-10-20,Closed with explanation,Yes,No,CR1069663,652
2014-10-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-11-21,Closed with explanation,Yes,No,CR1070089,1150
2014-10-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-10-14,Closed with monetary relief,Yes,No,CR1061295,4781
2014-10-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2014-10-14,Closed with monetary relief,Yes,No,CR1061541,565
2014-10-06,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Postal mail,2014-10-21,Closed with explanation,Yes,No,CR1060544,694
2014-10-03,Credit card,,Transaction issue,,,,N/A,Postal mail,2014-10-09,Closed with explanation,Yes,Yes,CR1056401,2444
2014-10-02,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Postal mail,2014-10-08,Closed with explanation,Yes,Yes,CR1055739,3491
2014-10-01,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2014-10-01,Closed with explanation,Yes,No,CR1052937,1800
2014-09-29,Credit card,,Other,,,Servicemember,N/A,Postal mail,2014-10-03,Closed with explanation,Yes,No,CR1048493,153
2014-09-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-10-03,Closed with monetary relief,Yes,No,CR1049161,4507
2014-09-24,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2014-10-01,Closed with non-monetary relief,Yes,No,CR1043033,359
2014-09-24,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2014-10-01,Closed with monetary relief,Yes,No,CR1043064,889
2014-09-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-10-07,Closed with non-monetary relief,Yes,No,CR1043725,1322
2014-09-23,Credit card,,Delinquent account,,,,N/A,Postal mail,2014-09-30,Closed with monetary relief,Yes,No,CR1041338,1615
2014-09-22,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2014-09-26,Closed with non-monetary relief,Yes,Yes,CR1039862,690
2014-09-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-09-24,Closed with explanation,Yes,No,CR1036212,4447
2014-09-19,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2014-09-25,Closed with explanation,Yes,Yes,CR1037442,3575
2014-09-18,Bank account or service,Savings account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Postal mail,2014-09-23,Closed with explanation,Yes,No,CR1034019,2741
2014-09-17,Credit card,,Credit card protection / Debt protection,,,,N/A,Postal mail,2014-09-22,Closed with explanation,Yes,Yes,CR1033289,3453
2014-09-15,Credit card,,Billing disputes,,,,N/A,Postal mail,2014-10-24,Closed with explanation,Yes,No,CR1028244,1137
2014-09-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-09-18,Closed with monetary relief,Yes,No,CR1028618,3681
2014-09-09,Credit card,,Billing disputes,,,,N/A,Postal mail,2014-09-12,Closed with explanation,Yes,Yes,CR1020973,1688
2014-09-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2014-09-12,Closed with monetary relief,Yes,No,CR1021049,1455
2014-09-05,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Servicemember,N/A,Postal mail,2014-09-09,Closed with explanation,Yes,No,CR1016907,544
2014-09-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-09-09,Closed with monetary relief,Yes,No,CR1015823,282
2014-09-03,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2014-09-08,Closed with non-monetary relief,Yes,No,CR1012005,3484
2014-09-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-09-09,Closed with explanation,Yes,No,CR1012387,1472
2014-08-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-08-28,Closed with explanation,Yes,Yes,CR0998715,2484
2014-08-19,Credit card,,Transaction issue,,,,N/A,Postal mail,2014-08-21,Closed with explanation,Yes,Yes,CR0991124,2639
2014-08-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-08-20,Closed with explanation,Yes,Yes,CR0988909,9641
2014-08-14,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Postal mail,2014-08-19,Closed with explanation,Yes,No,CR0985231,2661
2014-08-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Postal mail,2014-08-18,Closed with explanation,Yes,No,CR0984272,4192
2014-08-13,Credit card,,Other fee,,,,N/A,Postal mail,2014-08-15,Closed with monetary relief,Yes,No,CR0983354,1800
2014-08-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-08-14,Closed with explanation,Yes,No,CR0980711,2659
2014-08-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-08-14,Closed with explanation,Yes,No,CR0979770,1121
2014-08-08,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2014-08-12,Closed with explanation,Yes,Yes,CR0975736,3228
2014-08-08,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2014-08-12,Closed with explanation,Yes,No,CR0976157,5013
2014-08-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-08-12,Closed with explanation,Yes,No,CR0975868,6478
2014-08-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-08-18,Closed with explanation,No,No,CR0974292,1760
2014-08-05,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2014-08-07,Closed with explanation,Yes,No,CR0968873,1618
2014-08-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-08-07,Closed with monetary relief,Yes,No,CR0969474,1107
2014-08-04,Credit card,,Other,,,,N/A,Postal mail,2014-08-06,Closed with explanation,Yes,No,CR0967701,3135
2014-08-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2014-08-06,Closed with explanation,Yes,No,CR0966367,1563
2014-08-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-08-18,Closed with explanation,Yes,Yes,CR0968075,3235
2014-08-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-08-05,Closed with explanation,Yes,No,CR0964899,2897
2014-07-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2014-07-31,Closed with explanation,Yes,No,CR0958556,978
2014-07-29,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2014-07-31,Closed with explanation,Yes,No,CR0958845,144
2014-07-29,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2014-07-31,Closed with explanation,Yes,No,CR0958906,2707
2014-07-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-07-31,Closed,Yes,No,CR0958764,1453
2014-07-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Postal mail,2014-07-31,Closed with explanation,Yes,Yes,CR0956840,1268
2014-07-16,Credit card,,Delinquent account,,,,N/A,Postal mail,2014-07-22,Closed with non-monetary relief,Yes,No,CR0938933,1116
2014-07-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2014-07-15,Closed with explanation,Yes,No,CR0932302,2063
2014-07-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-07-14,Closed with explanation,Yes,No,CR0928856,2720
2014-07-02,Credit card,,Sale of account,,,,N/A,Postal mail,2014-07-08,Closed with explanation,Yes,No,CR0920283,5134
2014-07-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-07-08,Closed with non-monetary relief,Yes,No,CR0921256,555
2014-06-30,Credit card,,Billing disputes,,,,N/A,Postal mail,2014-07-03,Closed with monetary relief,Yes,No,CR0916346,9987
2014-06-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-07-03,Closed with explanation,Yes,No,CR0917098,3996
2014-06-26,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Postal mail,2014-06-27,Closed with explanation,Yes,No,CR0911597,13690
2014-06-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-06-27,Closed with non-monetary relief,Yes,No,CR0909656,8726
2014-06-24,Credit card,,Billing disputes,,,,N/A,Postal mail,2014-06-26,Closed with explanation,Yes,Yes,CR0908438,3095
2014-06-23,Credit card,,Credit line increase/decrease,,,,N/A,Postal mail,2014-06-25,Closed with explanation,Yes,Yes,CR0905580,5273
2014-06-23,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2014-06-25,Closed with explanation,Yes,No,CR0906123,821
2014-06-20,Credit card,,Other,,,,N/A,Postal mail,2014-06-24,Closed with explanation,Yes,No,CR0904058,11795
2014-06-18,Credit card,,Customer service / Customer relations,,,,N/A,Postal mail,2014-06-20,Closed with explanation,Yes,No,CR0900235,2213
2014-06-18,Credit card,,Unsolicited issuance of credit card,,,,N/A,Postal mail,2014-06-20,Closed with explanation,Yes,No,CR0900602,3727
2014-06-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-07-10,Closed with explanation,Yes,No,CR0899921,12844
2014-06-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-06-20,Closed with explanation,Yes,No,CR0900335,1456
2014-06-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-06-18,Closed with explanation,Yes,No,CR0896449,72
2014-06-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-06-18,Closed with explanation,Yes,No,CR0896286,1464
2014-06-13,Credit card,,Billing disputes,,,,N/A,Postal mail,2014-06-17,Closed with explanation,Yes,No,CR0893905,1704
2014-06-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-06-17,Closed with explanation,Yes,No,CR0893571,8013
2014-06-13,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Postal mail,2014-07-30,Closed with explanation,Yes,Yes,CR0893478,2279
2014-06-13,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2014-06-17,Closed with explanation,Yes,No,CR0894896,1591
2014-06-12,Credit card,,Credit determination,,,,N/A,Postal mail,2014-06-16,Closed with monetary relief,Yes,No,CR0892713,2178
2014-06-12,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Servicemember,N/A,Postal mail,2014-06-13,Closed with explanation,Yes,No,CR0891383,4807
2014-06-11,Credit card,,Credit determination,,,,N/A,Postal mail,2014-06-12,Closed with explanation,Yes,No,CR0891020,314
2014-06-11,Credit card,,Late fee,,,,N/A,Postal mail,2014-06-12,Closed with explanation,Yes,No,CR0889791,2315
2014-06-10,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Postal mail,2014-06-11,Closed with explanation,Yes,No,CR0887489,3011
2014-06-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-06-11,Closed with explanation,Yes,No,CR0885972,2150
2014-06-06,Credit card,,Other,,,Older American,N/A,Postal mail,2014-07-07,Closed with explanation,Yes,No,CR0883625,1180
2014-05-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-06-03,Closed with explanation,Yes,No,CR0872281,3667
2014-05-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-06-04,Closed with explanation,Yes,No,CR0872008,114
2014-05-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-06-03,Closed with explanation,Yes,No,CR0871352,2137
2014-05-27,Credit card,,Billing disputes,,,Older American,N/A,Postal mail,2014-06-02,Closed with explanation,Yes,No,CR0867959,1541
2014-05-23,Credit card,,Billing disputes,,,Older American,N/A,Postal mail,2014-05-28,Closed with explanation,Yes,No,CR0867103,3997
2014-05-22,Credit card,,Billing disputes,,,,N/A,Postal mail,2014-05-27,Closed with explanation,Yes,Yes,CR0863964,2814
2014-05-19,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2014-05-21,Closed with explanation,Yes,Yes,CR0858510,140
2014-05-19,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Postal mail,2014-05-21,Closed with monetary relief,Yes,No,CR0859067,2017
2014-05-16,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2014-05-20,Closed with explanation,Yes,Yes,CR0855910,1769
2014-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-05-16,Closed with explanation,Yes,No,CR0852134,3415
2014-05-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-05-16,Closed with monetary relief,Yes,No,CR0851203,3782
2014-05-12,Credit card,,Other,,,,N/A,Postal mail,2014-05-15,Closed with explanation,Yes,No,CR0848254,3085
2014-05-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-05-14,Closed with explanation,Yes,No,CR0848647,3287
2014-05-09,Credit card,,Credit determination,,,,N/A,Postal mail,2014-05-14,Closed with explanation,Yes,No,CR0846084,5145
2014-05-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-05-13,Closed with explanation,Yes,No,CR0845689,522
2014-05-06,Credit card,,APR or interest rate,,,,N/A,Postal mail,2014-05-08,Closed with explanation,Yes,No,CR0839157,3044
2014-05-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-05-12,Closed with monetary relief,Yes,No,CR0840114,3193
2014-05-05,Credit card,,Other,,,Older American,N/A,Postal mail,2014-05-13,Closed with explanation,Yes,No,CR0837275,1769
2014-05-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-06-03,Closed with explanation,Yes,No,CR0835639,670
2014-05-01,Credit card,,Customer service / Customer relations,,,,N/A,Postal mail,2014-05-06,Closed with explanation,Yes,No,CR0834237,3051
2014-05-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-05-05,Closed with explanation,Yes,Yes,CR0833771,1794
2014-05-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-05-06,Closed with explanation,Yes,No,CR0834679,3082
2014-05-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-05-06,Closed with explanation,Yes,No,CR0834620,3002
2014-04-25,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Postal mail,2014-04-30,Closed with explanation,Yes,No,CR0825672,5249
2014-04-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-04-28,Closed with explanation,Yes,Yes,CR0822296,4488
2014-04-22,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2014-04-25,Closed with explanation,Yes,No,CR0818338,13845
2014-04-22,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Postal mail,2014-04-25,Closed with explanation,Yes,No,CR0818243,5067
2014-04-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-04-21,Closed with explanation,Yes,No,CR0817216,1526
2014-04-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-04-21,Closed with explanation,Yes,No,CR0811171,2008
2014-04-14,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2014-04-17,Closed with explanation,Yes,Yes,CR0807170,3471
2014-04-11,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Postal mail,2014-04-15,Closed with explanation,Yes,Yes,CR0805831,970
2014-04-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-04-14,Closed with explanation,Yes,No,CR0804242,13089
2014-04-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-04-14,Closed with explanation,Yes,No,CR0802681,3319
2014-04-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-04-11,Closed with non-monetary relief,Yes,No,CR0801709,1151
2014-04-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Postal mail,2014-04-10,Closed with explanation,Yes,No,CR0799634,43
2014-04-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-04-10,Closed with monetary relief,Yes,No,CR0797568,105
2014-04-03,Credit card,,Customer service / Customer relations,,,,N/A,Postal mail,2014-04-08,Closed with explanation,Yes,Yes,CR0792954,1192
2014-04-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-04-08,Closed with explanation,Yes,Yes,CR0793286,4319
2014-04-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-04-09,Closed with explanation,Yes,No,CR0792953,2123
2014-04-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-04-07,Closed with explanation,Yes,Yes,CR0792929,4746
2014-04-03,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Postal mail,2014-04-07,Closed with explanation,Yes,No,CR0791341,2786
2014-03-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2014-04-03,Closed with explanation,Yes,No,CR0783753,1077
2014-03-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-04-03,Closed with explanation,Yes,No,CR0782921,4345
2014-03-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-04-10,Closed with explanation,Yes,No,CR0783856,4807
2014-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-04-02,Closed with explanation,Yes,No,CR0780479,2065
2014-03-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-04-01,Closed with explanation,Yes,Yes,CR0778808,1391
2014-03-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-04-01,Closed with explanation,Yes,No,CR0778382,2578
2014-03-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-04-01,Closed with explanation,Yes,No,CR0778726,4782
2014-03-25,Credit card,,Identity theft / Fraud / Embezzlement,,,"Older American, Servicemember",N/A,Postal mail,2014-04-01,Closed with explanation,Yes,No,CR0778093,5189
2014-03-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-04-01,Closed,Yes,No,CR0776294,973
2014-03-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-03-20,Closed with explanation,Yes,No,CR0760851,1691
2014-03-15,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Postal mail,2014-03-17,Closed with explanation,Yes,Yes,CR0759226,3646
2014-03-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-03-31,Closed with explanation,Yes,No,CR0757840,10517
2014-03-12,Credit card,,Other,,,,N/A,Postal mail,2014-03-17,Closed with non-monetary relief,Yes,No,CR0762924,748
2014-03-12,Credit card,,Credit determination,,,,N/A,Postal mail,2014-03-21,Closed with explanation,Yes,No,CR0760100,11136
2014-03-12,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2014-03-14,Closed with monetary relief,Yes,No,CR0757094,2610
2014-03-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-04-08,Closed with explanation,Yes,Yes,CR0752595,11337
2014-03-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-03-10,Closed with explanation,Yes,No,CR0759861,574
2014-03-08,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Postal mail,2014-03-11,Closed with non-monetary relief,Yes,No,CR0751773,1289
2014-03-06,Credit card,,Customer service / Customer relations,,,,N/A,Postal mail,2014-03-06,Closed with explanation,Yes,Yes,CR0746005,2872
2014-03-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-03-10,Closed with explanation,Yes,No,CR0746093,981
2014-03-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-03-07,Closed with non-monetary relief,Yes,No,CR0746463,2016
2014-03-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-03-12,Closed with explanation,Yes,No,CR0736601,810
2014-02-26,Credit card,,Late fee,,,,N/A,Postal mail,2014-02-27,Closed with explanation,Yes,No,CR0732847,11875
2014-02-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2014-02-27,Closed with monetary relief,Yes,No,CR0732766,4227
2014-02-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-02-27,Closed with explanation,Yes,No,CR0734091,3759
2014-02-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2014-03-05,Closed with explanation,Yes,No,CR0726726,3504
2014-02-21,Credit card,,Transaction issue,,,,N/A,Postal mail,2014-02-24,Closed with explanation,Yes,No,CR0724624,3570
2014-02-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2014-02-24,Closed with explanation,Yes,No,CR0725449,5977
2014-02-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-02-20,Closed with explanation,Yes,Yes,CR0717310,3182
2014-02-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-02-19,Closed with explanation,Yes,Yes,CR0717261,625
2014-02-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-02-18,Closed with explanation,Yes,No,CR0712212,3084
2014-02-12,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2014-02-18,Closed with explanation,Yes,No,CR0711946,4353
2014-02-12,Credit card,,Unsolicited issuance of credit card,,,,N/A,Postal mail,2014-02-18,Closed with non-monetary relief,Yes,No,CR0717551,3521
2014-02-12,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2014-02-18,Closed with explanation,Yes,No,CR0717554,3863
2014-02-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-02-20,Closed with explanation,Yes,No,CR0717414,10476
2014-02-11,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Postal mail,2014-02-24,Closed with explanation,Yes,No,CR0710279,4262
2014-02-11,Credit card,,Credit determination,,,,N/A,Postal mail,2014-02-11,Closed with non-monetary relief,Yes,No,CR0710287,3772
2014-02-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-02-18,Closed with explanation,Yes,No,CR0708131,1075
2014-02-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-02-12,Closed with explanation,Yes,Yes,CR0705651,4106
2014-02-07,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2014-02-10,Closed with explanation,Yes,No,CR0705255,3689
2014-02-07,Credit card,,Rewards,,,,N/A,Postal mail,2014-02-07,Closed with monetary relief,Yes,No,CR0705579,3657
2014-02-05,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2014-02-07,Closed with explanation,Yes,No,CR0702910,1421
2014-02-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Postal mail,2014-02-07,Closed with non-monetary relief,Yes,No,CR0705303,1393
2014-02-04,Credit card,,Customer service / Customer relations,,,,N/A,Postal mail,2014-02-07,Closed with explanation,Yes,No,CR0698930,4670
2014-02-03,Credit card,,Billing disputes,,,Older American,N/A,Postal mail,2014-02-04,Closed with explanation,Yes,No,CR0696915,2882
2014-02-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-02-07,Closed with explanation,Yes,No,CR0697318,4714
2014-02-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-02-07,Closed with explanation,Yes,No,CR0697770,4350
2014-01-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-02-10,Closed with monetary relief,Yes,No,CR0696294,4925
2014-01-22,Credit card,,Advertising and marketing,,,,N/A,Postal mail,2014-01-30,Closed with explanation,Yes,Yes,CR0679998,10159
2014-01-22,Credit card,,Billing disputes,,,,N/A,Postal mail,2014-01-30,Closed with explanation,Yes,No,CR0680718,2229
2014-01-21,Credit card,,Balance transfer,,,,N/A,Postal mail,2014-01-28,Closed with explanation,Yes,No,CR0677661,2592
2014-01-21,Credit card,,Billing disputes,,,,N/A,Postal mail,2014-01-28,Closed with explanation,Yes,Yes,CR0678687,3891
2014-01-15,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Postal mail,2014-01-15,Closed with explanation,Yes,Yes,CR0670868,3763
2014-01-15,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Postal mail,2014-01-22,Closed with explanation,Yes,Yes,CR0669424,8661
2014-01-14,Credit card,,Other,,,,N/A,Postal mail,2014-01-17,Closed with explanation,Yes,No,CR0667281,4424
2014-01-11,Credit card,,Billing disputes,,,,N/A,Postal mail,2014-01-13,Closed with explanation,Yes,No,CR0664545,3101
2014-01-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2014-01-13,Closed with monetary relief,Yes,No,CR0664491,2005
2014-01-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-01-09,Closed with explanation,Yes,No,CR0658798,6729
2014-01-07,Credit card,,Credit determination,,,,N/A,Postal mail,2014-01-08,Closed with explanation,Yes,No,CR0657878,189
2014-01-07,Credit card,,Credit determination,,,,N/A,Postal mail,2014-01-09,Closed with non-monetary relief,Yes,No,CR0658663,1643
2014-01-06,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Postal mail,2014-01-09,Closed with explanation,Yes,Yes,CR0655535,2661
2014-01-06,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2014-01-15,Closed with explanation,Yes,No,CR0655558,2357
2014-01-06,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2014-01-07,Closed with monetary relief,Yes,Yes,CR0656848,1459
2013-12-31,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2014-01-08,Closed with explanation,Yes,No,CR0651054,469
2013-12-31,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2014-01-02,Closed with non-monetary relief,Yes,No,CR0648811,4133
2013-12-31,Bank account or service,Savings account,"Account opening, closing, or management",,,Servicemember,N/A,Postal mail,2014-01-02,Closed with explanation,Yes,Yes,CR0648842,13172
2013-12-30,Credit card,,Other,,,,N/A,Postal mail,2013-12-31,Closed with explanation,Yes,Yes,CR0648907,3946
2013-12-26,Credit card,,Late fee,,,,N/A,Postal mail,2013-12-30,Closed with explanation,Yes,No,CR0646128,2655
2013-12-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2014-01-03,Closed with explanation,Yes,No,CR0645839,691
2013-12-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-12-31,Closed with explanation,Yes,No,CR0646192,1327
2013-12-20,Credit card,,APR or interest rate,,,,N/A,Postal mail,2014-01-03,Closed with monetary relief,Yes,No,CR0640026,2539
2013-12-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-12-30,Closed with explanation,Yes,No,CR0639653,1430
2013-12-16,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2013-12-19,Closed,Yes,No,CR0636193,3181
2013-12-10,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-12-13,Closed with explanation,Yes,No,CR0628131,1428
2013-12-10,Credit card,,Other,,,,N/A,Postal mail,2013-12-11,Closed with explanation,Yes,No,CR0628963,77
2013-12-09,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2013-12-11,Closed with explanation,Yes,No,CR0626324,188
2013-12-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-12-11,Closed with explanation,Yes,No,CR0627559,10066
2013-12-04,Credit card,,Cash advance fee,,,,N/A,Postal mail,2013-12-05,Closed with explanation,Yes,Yes,CR0622157,4456
2013-12-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-12-05,Closed with monetary relief,Yes,No,CR0621486,4506
2013-11-30,Credit card,,APR or interest rate,,,Older American,N/A,Postal mail,2013-12-04,Closed with non-monetary relief,Yes,No,CR0616680,10041
2013-11-27,Credit card,,APR or interest rate,,,Older American,N/A,Postal mail,2013-11-29,Closed with explanation,Yes,No,CR0615712,3647
2013-11-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2013-11-26,Closed with explanation,Yes,No,CR0614026,940
2013-11-25,Credit card,,Credit determination,,,,N/A,Postal mail,2013-11-25,Closed with non-monetary relief,Yes,Yes,CR0612248,2836
2013-11-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2013-11-25,Closed with explanation,Yes,No,CR0609883,1427
2013-11-20,Credit card,,Other fee,,,,N/A,Postal mail,2013-11-21,Closed with explanation,Yes,No,CR0604913,3306
2013-11-19,Credit card,,Credit determination,,,,N/A,Postal mail,2013-11-21,Closed with non-monetary relief,Yes,Yes,CR0603447,4195
2013-11-19,Credit card,,Credit determination,,,,N/A,Postal mail,2013-11-20,Closed with explanation,Yes,No,CR0603993,4715
2013-11-18,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-11-19,Closed with explanation,Yes,No,CR0600810,13285
2013-11-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2013-11-19,Closed with monetary relief,Yes,No,CR0601235,6040
2013-11-15,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-11-18,Closed with explanation,Yes,No,CR0600216,113
2013-11-14,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2013-11-19,Closed with explanation,Yes,Yes,CR0598758,963
2013-11-12,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-11-13,Closed with explanation,Yes,No,CR0594815,2148
2013-11-08,Credit card,,Other,,,,N/A,Postal mail,2013-12-02,Closed with explanation,Yes,No,CR0592177,3121
2013-11-08,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2013-11-12,Closed with explanation,Yes,No,CR0591975,2873
2013-11-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-11-08,Closed with explanation,Yes,Yes,CR0589151,3877
2013-11-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2013-11-06,Closed with explanation,Yes,Yes,CR0585164,313
2013-11-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-11-06,Closed with non-monetary relief,Yes,No,CR0583499,359
2013-11-04,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-11-07,Closed with explanation,Yes,No,CR0583717,5321
2013-11-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-11-06,Closed with explanation,Yes,Yes,CR0583788,1813
2013-11-01,Credit card,,Credit line increase/decrease,,,,N/A,Postal mail,2013-11-05,Closed with explanation,Yes,No,CR0581914,667
2013-11-01,Credit card,,Credit determination,,,,N/A,Postal mail,2013-11-05,Closed with explanation,Yes,No,CR0581979,577
2013-11-01,Credit card,,Credit determination,,,,N/A,Postal mail,2013-11-06,Closed with explanation,Yes,No,CR0582111,2901
2013-10-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2013-10-29,Closed with monetary relief,Yes,No,CR0575355,893
2013-10-28,Credit card,,Other,,,,N/A,Postal mail,2013-10-28,Closed with explanation,Yes,No,CR0573530,2451
2013-10-28,Credit card,,Credit determination,,,Servicemember,N/A,Postal mail,2013-10-28,Closed with explanation,Yes,No,CR0573852,3939
2013-10-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-10-28,Closed with explanation,Yes,Yes,CR0573334,65
2013-10-28,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-10-28,Closed with explanation,Yes,No,CR0573312,2685
2013-10-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2013-11-12,Closed with explanation,Yes,Yes,CR0569436,1329
2013-10-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-10-25,Closed with explanation,Yes,Yes,CR0570838,2447
2013-10-22,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-10-24,Closed with explanation,Yes,No,CR0566401,1231
2013-10-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2013-10-24,Closed with explanation,Yes,No,CR0565633,1474
2013-10-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-10-23,Closed with explanation,Yes,Yes,CR0566426,5284
2013-10-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2013-10-23,Closed with non-monetary relief,Yes,No,CR0566126,3469
2013-10-21,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-10-21,Closed with explanation,Yes,No,CR0564591,2836
2013-10-18,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Postal mail,2013-10-21,Closed,Yes,Yes,CR0563656,3903
2013-10-17,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Postal mail,2013-10-21,Closed with explanation,Yes,No,CR0561814,4595
2013-10-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-10-16,Closed with explanation,Yes,No,CR0560353,13915
2013-10-15,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Postal mail,2013-10-16,Closed with monetary relief,Yes,No,CR0558899,4195
2013-10-11,Credit card,,Payoff process,,,,N/A,Postal mail,2013-10-15,Closed with explanation,Yes,No,CR0557936,3408
2013-10-11,Credit card,,Credit determination,,,Older American,N/A,Postal mail,2013-11-13,Closed with non-monetary relief,Yes,No,CR0557842,3619
2013-10-08,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-10-09,Closed with explanation,Yes,No,CR0555733,1049
2013-10-07,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Postal mail,2013-10-08,Closed with monetary relief,Yes,No,CR0553607,233
2013-10-04,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Postal mail,2013-10-04,Closed with explanation,Yes,No,CR0553248,5468
2013-10-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2013-10-03,Closed with explanation,Yes,No,CR0550858,1617
2013-09-30,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2013-10-01,Closed with explanation,Yes,No,CR0547217,873
2013-09-28,Credit card,,Other fee,,,,N/A,Postal mail,2013-10-01,Closed with explanation,Yes,No,CR0545524,11855
2013-09-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-10-24,Closed with monetary relief,Yes,Yes,CR0545221,452
2013-09-24,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2013-09-25,Closed with explanation,Yes,Yes,CR0540001,4334
2013-09-18,Credit card,,Billing disputes,,,Older American,N/A,Postal mail,2013-10-08,Closed with explanation,Yes,Yes,CR0533625,290
2013-09-17,Credit card,,Delinquent account,,,,N/A,Postal mail,2013-09-18,Closed with explanation,Yes,No,CR0530179,1928
2013-09-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-10-31,Closed with monetary relief,Yes,No,CR0530261,4241
2013-09-16,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2013-09-17,Closed with explanation,Yes,No,CR0529159,9457
2013-09-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Servicemember,N/A,Postal mail,2013-09-17,Closed with explanation,Yes,No,CR0526699,2311
2013-09-13,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2013-09-16,Closed with explanation,Yes,Yes,CR0526706,2379
2013-09-11,Credit card,,Rewards,,,,N/A,Postal mail,2013-09-12,Closed with explanation,Yes,No,CR0522728,3836
2013-09-10,Credit card,,Other,,,,N/A,Postal mail,2013-09-12,Closed with explanation,Yes,No,CR0521511,3934
2013-09-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Postal mail,2013-09-11,Closed with explanation,Yes,No,CR0521935,169
2013-09-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Postal mail,2013-09-10,Closed with explanation,Yes,No,CR0520956,3229
2013-09-09,Credit card,,Credit determination,,,,N/A,Postal mail,2013-09-09,Closed with explanation,Yes,Yes,CR0519683,4437
2013-09-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2013-09-13,Closed with explanation,Yes,No,CR0519895,2156
2013-09-05,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Postal mail,2013-09-06,Closed with explanation,Yes,Yes,CR0516020,2069
2013-09-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2013-09-05,Closed with explanation,Yes,No,CR0513766,5574
2013-09-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-09-05,Closed with explanation,Yes,No,CR0513787,1340
2013-09-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-09-05,Closed with explanation,Yes,No,CR0514251,278
2013-08-30,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-08-30,Closed with explanation,Yes,No,CR0510413,13640
2013-08-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-09-03,Closed with explanation,Yes,No,CR0510467,8666
2013-08-28,Credit card,,Other,,,,N/A,Postal mail,2013-08-29,Closed with explanation,Yes,No,CR0506100,3408
2013-08-27,Credit card,,Other fee,,,,N/A,Postal mail,2013-08-28,Closed with monetary relief,Yes,No,CR0505009,4139
2013-08-27,Credit card,,Late fee,,,,N/A,Postal mail,2013-08-28,Closed with explanation,Yes,No,CR0505824,3353
2013-08-26,Credit card,,Cash advance,,,,N/A,Postal mail,2013-08-27,Closed with explanation,Yes,No,CR0504274,86
2013-08-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-08-27,Closed with explanation,Yes,No,CR0508299,1956
2013-08-25,Credit card,,Delinquent account,,,,N/A,Postal mail,2013-08-27,Closed with monetary relief,Yes,Yes,CR0503780,2216
2013-08-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-08-26,Closed with non-monetary relief,Yes,No,CR0501194,1001
2013-08-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-08-22,Closed with explanation,Yes,No,CR0499621,2824
2013-08-20,Credit card,,Credit determination,,,Older American,N/A,Postal mail,2013-08-21,Closed with explanation,Yes,Yes,CR0496868,139
2013-08-19,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Postal mail,2013-08-21,Closed with non-monetary relief,Yes,No,CR0495818,3653
2013-08-17,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-08-19,Closed with explanation,Yes,No,CR0493116,3700
2013-08-16,Credit card,,Other,,,,N/A,Postal mail,2013-08-19,Closed with explanation,Yes,No,CR0493621,4969
2013-08-16,Credit card,,Credit line increase/decrease,,,Older American,N/A,Postal mail,2013-08-19,Closed with explanation,Yes,No,CR0493748,507
2013-08-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-08-21,Closed with explanation,Yes,No,CR0489969,5215
2013-08-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-08-12,Closed with monetary relief,Yes,No,CR0483799,823
2013-08-06,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Postal mail,2013-08-07,Closed with monetary relief,Yes,No,CR0481186,2225
2013-08-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2013-08-09,Closed with explanation,Yes,Yes,CR0482182,2400
2013-08-03,Credit card,,Other,,,,N/A,Postal mail,2013-08-20,Closed with non-monetary relief,Yes,No,CR0473484,4119
2013-08-02,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Postal mail,2013-08-05,Closed with explanation,Yes,No,CR0479588,620
2013-08-01,Credit card,,Credit card protection / Debt protection,,,,N/A,Postal mail,2013-08-05,Closed with non-monetary relief,Yes,No,CR0475025,2174
2013-07-29,Credit card,,Payoff process,,,Older American,N/A,Postal mail,2013-07-30,Closed with explanation,Yes,No,CR0469142,13803
2013-07-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-07-30,Closed with explanation,Yes,No,CR0475478,4245
2013-07-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-07-29,Closed with explanation,Yes,No,CR0467060,1687
2013-07-24,Credit card,,Transaction issue,,,,N/A,Postal mail,2013-07-26,Closed with explanation,Yes,No,CR0465437,4823
2013-07-22,Credit card,,Privacy,,,,N/A,Postal mail,2013-07-25,Closed with explanation,Yes,No,CR0462506,2930
2013-07-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2013-07-24,Closed with explanation,Yes,No,CR0463238,4231
2013-07-22,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Postal mail,2013-07-23,Closed with explanation,Yes,No,CR0463079,4032
2013-07-16,Credit card,,Other,,,,N/A,Postal mail,2013-07-18,Closed with explanation,Yes,No,CR0480635,2007
2013-07-16,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-07-17,Closed with explanation,Yes,No,CR0479651,6967
2013-07-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2013-07-17,Closed with monetary relief,Yes,No,CR0458363,3113
2013-07-15,Credit card,,Rewards,,,,N/A,Postal mail,2013-07-16,Closed with explanation,Yes,No,CR0457211,1680
2013-07-15,Credit card,,Sale of account,,,,N/A,Postal mail,2013-07-17,Closed with non-monetary relief,Yes,No,CR0457282,1983
2013-07-12,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Postal mail,2013-07-15,Closed with explanation,Yes,Yes,CR0456842,6
2013-07-12,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2013-07-15,Closed with explanation,Yes,Yes,CR0475129,100
2013-07-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2013-08-12,Closed with explanation,Yes,Yes,CR0456543,12485
2013-07-11,Credit card,,Credit determination,,,Older American,N/A,Postal mail,2013-07-12,Closed with explanation,Yes,Yes,CR0465884,898
2013-07-11,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2013-07-18,Closed with explanation,Yes,No,CR0454825,5322
2013-07-11,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Postal mail,2013-07-15,Closed with explanation,Yes,No,CR0475757,1605
2013-07-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-07-16,Closed with explanation,Yes,No,CR0475457,2429
2013-07-10,Credit card,,Rewards,,,,N/A,Postal mail,2013-07-11,Closed with monetary relief,Yes,No,CR0454440,2157
2013-07-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-07-10,Closed with explanation,Yes,Yes,CR0451791,9798
2013-07-06,Credit card,,Advertising and marketing,,,,N/A,Postal mail,2013-07-08,Closed with explanation,Yes,Yes,CR0450357,4177
2013-07-03,Credit card,,Advertising and marketing,,,,N/A,Postal mail,2013-07-05,Closed with explanation,Yes,No,CR0449232,7299
2013-06-28,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-07-01,Closed with explanation,Yes,No,CR0445088,3911
2013-06-27,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2013-06-27,Closed with explanation,Yes,No,CR0443371,3447
2013-06-27,Credit card,,Delinquent account,,,,N/A,Postal mail,2013-06-28,Closed with explanation,Yes,No,CR0445452,1713
2013-06-25,Credit card,,Credit line increase/decrease,,,,N/A,Postal mail,2013-06-27,Closed with explanation,Yes,No,CR0441072,1283
2013-06-22,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Postal mail,2013-06-24,Closed with explanation,Yes,Yes,CR0440026,2658
2013-06-22,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Postal mail,2013-06-24,Closed with explanation,Yes,No,CR0440103,311
2013-06-13,Credit card,,Payoff process,,,,N/A,Postal mail,2013-06-13,Closed with explanation,Yes,No,CR0431506,1554
2013-06-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-06-25,Closed with monetary relief,Yes,No,CR0430930,112
2013-06-13,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Postal mail,2013-06-13,Closed with explanation,Yes,Yes,CR0430906,12561
2013-06-11,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2013-06-12,Closed with explanation,Yes,No,CR0428331,2370
2013-06-10,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2013-06-12,Closed with explanation,Yes,No,CR0428451,8667
2013-06-07,Credit card,,Billing disputes,,,Older American,N/A,Postal mail,2013-06-12,Closed with explanation,Yes,No,CR0426832,2611
2013-06-06,Credit card,,Other fee,,,,N/A,Postal mail,2013-06-07,Closed with explanation,Yes,No,CR0425914,4582
2013-06-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-06-10,Closed with non-monetary relief,Yes,No,CR0425991,3750
2013-06-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-06-07,Closed with explanation,Yes,No,CR0425568,784
2013-06-04,Credit card,,Credit determination,,,,N/A,Postal mail,2013-06-05,Closed with non-monetary relief,Yes,No,CR0423789,250
2013-06-04,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Postal mail,2013-06-05,Closed with monetary relief,Yes,No,CR0423335,2659
2013-05-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-06-03,Closed with explanation,Yes,No,CR0421106,3729
2013-05-30,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Postal mail,2013-05-31,Closed with explanation,Yes,No,CR0419954,415
2013-05-30,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2013-05-31,Closed with explanation,Yes,No,CR0419824,1806
2013-05-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-05-29,Closed with explanation,Yes,No,CR0417652,1809
2013-05-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-06-05,Closed with monetary relief,Yes,No,CR0417510,189
2013-05-24,Credit card,,Other fee,,,,N/A,Postal mail,2013-05-28,Closed with explanation,Yes,No,CR0416262,191
2013-05-24,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2013-05-28,Closed with explanation,Yes,No,CR0415908,10654
2013-05-24,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-05-28,Closed with explanation,Yes,Yes,CR0414896,1645
2013-05-24,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,,N/A,Postal mail,2013-05-28,Closed with explanation,Yes,No,CR0416241,431
2013-05-23,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-05-24,Closed with explanation,Yes,No,CR0415024,1878
2013-05-22,Credit card,,Other,,,,N/A,Postal mail,2013-05-23,Closed with explanation,Yes,No,CR0413015,546
2013-05-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2013-05-22,Closed with monetary relief,Yes,No,CR0412566,1947
2013-05-21,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Postal mail,2013-05-22,Closed with explanation,Yes,No,CR0412245,12695
2013-05-20,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2013-06-20,Closed with explanation,Yes,No,CR0411164,809
2013-05-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-05-20,Closed,Yes,No,CR0408935,4435
2013-05-15,Credit card,,Other,,,,N/A,Postal mail,2013-05-17,Closed with explanation,No,No,CR0408166,1157
2013-05-14,Credit card,,Rewards,,,,N/A,Postal mail,2013-05-15,Closed with explanation,Yes,No,CR0406551,4265
2013-05-10,Credit card,,Closing/Cancelling account,,,Older American,N/A,Postal mail,2013-05-13,Closed with non-monetary relief,Yes,No,CR0404472,3832
2013-05-10,Credit card,,Transaction issue,,,,N/A,Postal mail,2013-05-14,Closed with explanation,Yes,No,CR0404576,283
2013-05-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-05-13,Closed with explanation,Yes,Yes,CR0403961,10
2013-05-07,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-05-23,Closed with explanation,Yes,Yes,CR0401312,861
2013-05-06,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-05-07,Closed with non-monetary relief,Yes,No,CR0399175,7567
2013-05-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2013-05-07,Closed with explanation,Yes,No,CR0399502,7672
2013-05-01,Credit card,,Late fee,,,,N/A,Postal mail,2013-05-02,Closed with explanation,Yes,No,CR0397224,631
2013-04-29,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-04-30,Closed with explanation,Yes,No,CR0394427,3723
2013-04-26,Credit card,,Customer service / Customer relations,,,,N/A,Postal mail,2013-04-26,Closed with explanation,Yes,No,CR0392800,1874
2013-04-26,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Postal mail,2013-04-27,Closed with explanation,Yes,No,CR0392318,2310
2013-04-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Postal mail,2013-04-26,Closed with explanation,Yes,No,CR0392773,1786
2013-04-24,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Postal mail,2013-04-25,Closed with explanation,Yes,Yes,CR0391413,2255
2013-04-23,Credit card,,Transaction issue,,,Older American,N/A,Postal mail,2013-04-24,Closed with explanation,Yes,No,CR0390861,3545
2013-04-23,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2013-04-24,Closed,Yes,No,CR0391304,688
2013-04-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2013-04-19,Closed with explanation,Yes,No,CR0385745,4380
2013-04-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-04-18,Closed with explanation,Yes,No,CR0385693,2876
2013-04-16,Credit card,,Payoff process,,,Older American,N/A,Postal mail,2013-04-17,Closed with explanation,Yes,Yes,CR0384255,3192
2013-04-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-04-17,Closed with explanation,Yes,Yes,CR0384594,2470
2013-04-15,Credit card,,Credit card protection / Debt protection,,,,N/A,Postal mail,2013-04-16,Closed with explanation,Yes,No,CR0382813,1730
2013-04-10,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2013-04-10,Closed with explanation,Yes,Yes,CR0378170,467
2013-04-09,Credit card,,Credit reporting,,,,N/A,Postal mail,2013-04-09,Closed with explanation,Yes,No,CR0376865,2255
2013-04-09,Credit card,,Credit card protection / Debt protection,,,Servicemember,N/A,Postal mail,2013-04-24,Closed with explanation,Yes,Yes,CR0378538,1922
2013-04-02,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2013-04-02,Closed with non-monetary relief,Yes,Yes,CR0371475,12844
2013-04-01,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2013-04-02,Closed with explanation,Yes,No,CR0370171,5469
2013-04-01,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-04-02,Closed with non-monetary relief,Yes,No,CR0370186,241
2013-04-01,Credit card,,Customer service / Customer relations,,,,N/A,Postal mail,2013-04-02,Closed with explanation,Yes,Yes,CR0370699,314
2013-04-01,Credit card,,Credit reporting,,,,N/A,Postal mail,2013-04-02,Closed with explanation,Yes,Yes,CR0371316,2300
2013-03-29,Credit card,,Closing/Cancelling account,,,Older American,N/A,Postal mail,2013-04-17,Closed with explanation,Yes,No,CR0369227,11637
2013-03-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2013-04-01,Closed with explanation,Yes,No,CR0369848,1735
2013-03-29,Credit card,,Late fee,,,,N/A,Postal mail,2013-04-01,Closed with monetary relief,Yes,No,CR0369748,1267
2013-03-28,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-03-29,Closed with explanation,Yes,No,CR0368205,5398
2013-03-26,Credit card,,Late fee,,,,N/A,Postal mail,2013-03-27,Closed with explanation,Yes,No,CR0366194,2773
2013-03-26,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2013-03-27,Closed with explanation,Yes,Yes,CR0365545,1709
2013-03-26,Credit card,,Late fee,,,,N/A,Postal mail,2013-04-15,Closed with explanation,Yes,No,CR0365861,3653
2013-03-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Postal mail,2013-03-28,Closed with explanation,Yes,No,CR0366071,1906
2013-03-22,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2013-03-26,Closed with explanation,Yes,No,CR0363356,627
2013-03-21,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Postal mail,2013-03-25,Closed with explanation,Yes,No,CR0361656,2363
2013-03-19,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Postal mail,2013-03-19,Closed with monetary relief,Yes,No,CR0359663,2248
2013-03-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2013-03-19,Closed with monetary relief,Yes,No,CR0356116,554
2013-03-15,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Postal mail,2013-03-18,Closed with explanation,Yes,No,CR0356892,1638
2013-03-13,Credit card,,Credit reporting,,,,N/A,Postal mail,2013-03-27,Closed with explanation,Yes,Yes,CR0352714,691
2013-03-13,Credit card,,Transaction issue,,,,N/A,Postal mail,2013-03-14,Closed with explanation,Yes,No,CR0353275,1509
2013-03-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2013-03-14,Closed with explanation,Yes,Yes,CR0350749,5253
2013-03-06,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2013-03-07,Closed with explanation,Yes,No,CR0344727,1738
2013-03-01,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Postal mail,2013-03-05,Closed with non-monetary relief,Yes,No,CR0339382,2441
2013-02-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2013-03-04,Closed with explanation,Yes,Yes,CR0338329,4276
2013-02-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-02-27,Closed with explanation,Yes,No,CR0335049,12145
2013-02-27,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Postal mail,2013-02-27,Closed with explanation,Yes,No,CR0335435,344
2013-02-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-02-28,Closed with explanation,Yes,No,CR0336061,950
2013-02-21,Credit card,,Late fee,,,,N/A,Postal mail,2013-02-22,Closed with non-monetary relief,Yes,No,CR0325126,3528
2013-02-20,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Postal mail,2013-02-21,Closed with explanation,Yes,No,CR0324144,2048
2013-02-15,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2013-02-15,Closed with explanation,Yes,No,CR0317965,3429
2013-02-14,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2013-02-15,Closed with explanation,Yes,No,CR0316751,4583
2013-02-14,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Postal mail,2013-02-15,Closed with non-monetary relief,Yes,No,CR0316807,3990
2013-02-13,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-02-15,Closed with non-monetary relief,Yes,Yes,CR0316373,2661
2013-02-12,Credit card,,Credit reporting,,,,N/A,Postal mail,2013-03-29,Closed with explanation,Yes,Yes,CR0314273,248
2013-02-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2013-02-08,Closed with non-monetary relief,Yes,No,CR0313080,4447
2013-02-06,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-02-07,Closed with explanation,Yes,No,CR0305519,2010
2013-02-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-02-08,Closed with explanation,Yes,No,CR0299148,2540
2013-02-04,Credit card,,Customer service / Customer relations,,,,N/A,Postal mail,2013-02-04,Closed with explanation,Yes,Yes,CR0294566,1783
2013-02-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-02-04,Closed with non-monetary relief,Yes,No,CR0285783,12643
2013-02-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-02-05,Closed with monetary relief,Yes,No,CR0291039,2636
2013-02-01,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-02-07,Closed with explanation,Yes,No,CR0282028,2523
2013-01-31,Credit card,,APR or interest rate,,,,N/A,Postal mail,2013-01-31,Closed with explanation,Yes,Yes,CR0280761,1619
2013-01-30,Credit card,,Balance transfer fee,,,,N/A,Postal mail,2013-01-30,Closed with explanation,Yes,No,CR0281771,13690
2013-01-23,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2013-01-25,Closed with explanation,Yes,No,CR0256704,5175
2013-01-22,Credit card,,Cash advance fee,,,,N/A,Postal mail,2013-01-22,Closed with explanation,Yes,No,CR0251853,4272
2013-01-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-01-24,Closed with monetary relief,Yes,No,CR0249211,11866
2013-01-17,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Postal mail,2013-01-17,Closed with monetary relief,Yes,No,CR0239826,13968
2013-01-16,Credit card,,Other,,,,N/A,Postal mail,2013-01-16,Closed with non-monetary relief,Yes,No,CR0238412,854
2013-01-16,Credit card,,Forbearance / Workout plans,,,,N/A,Postal mail,2013-01-17,Closed with explanation,Yes,Yes,CR0239834,2425
2013-01-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2013-01-18,Closed with explanation,Yes,Yes,CR0234327,5389
2013-01-14,Credit card,,Credit reporting,,,,N/A,Postal mail,2013-01-16,Closed with non-monetary relief,Yes,No,CR0229819,184
2013-01-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-01-15,Closed with non-monetary relief,Yes,Yes,CR0229813,3911
2013-01-11,Credit card,,APR or interest rate,,,,N/A,Postal mail,2013-01-14,Closed with non-monetary relief,Yes,No,CR0228125,1693
2013-01-11,Credit card,,Credit determination,,,,N/A,Postal mail,2013-01-14,Closed with explanation,Yes,No,CR0228866,150
2013-01-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-01-08,Closed with explanation,Yes,No,CR0224228,4367
2013-01-07,Credit card,,Billing disputes,,,,N/A,Postal mail,2013-01-07,Closed with explanation,Yes,No,CR0222442,4205
2013-01-04,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Postal mail,2013-01-04,Closed with explanation,Yes,No,CR0221868,2471
2013-01-03,Credit card,,Payoff process,,,,N/A,Postal mail,2013-01-04,Closed with non-monetary relief,Yes,No,CR0221424,1287
2013-01-03,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2013-01-08,Closed with explanation,Yes,No,CR0221829,4544
2013-01-03,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2013-01-08,Closed with explanation,Yes,No,CR0221675,1341
2013-01-02,Credit card,,Billing statement,,,,N/A,Postal mail,2013-01-03,Closed with explanation,Yes,No,CR0219701,1754
2012-12-31,Credit card,,Collection practices,,,,N/A,Postal mail,2013-01-02,Closed with explanation,Yes,Yes,CR0219257,2121
2012-12-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-01-02,Closed with explanation,Yes,Yes,CR0221193,2188
2012-12-27,Credit card,,Credit reporting,,,,N/A,Postal mail,2012-12-28,Closed with explanation,Yes,No,CR0217933,10563
2012-12-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-12-29,Closed with explanation,Yes,Yes,CR0218011,3167
2012-12-27,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2012-12-31,Closed with monetary relief,Yes,No,CR0215915,937
2012-12-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-01-03,Closed with monetary relief,Yes,No,CR0214754,4096
2012-12-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-12-21,Closed with explanation,Yes,No,CR0214729,1250
2012-12-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2012-12-21,Closed with explanation,Yes,No,CR0214804,1180
2012-12-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2013-01-03,Closed with non-monetary relief,Yes,No,CR0212859,611
2012-12-18,Credit card,,Overlimit fee,,,,N/A,Postal mail,2012-12-19,Closed with explanation,Yes,No,CR0211694,10998
2012-12-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2012-12-19,Closed with explanation,Yes,No,CR0213029,1774
2012-12-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2012-12-14,Closed with explanation,Yes,No,CR0210157,2889
2012-12-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2012-12-13,Closed with monetary relief,Yes,No,CR0209010,1384
2012-12-12,Bank account or service,Savings account,"Account opening, closing, or management",,,Servicemember,N/A,Postal mail,2012-12-13,Closed with explanation,No,Yes,CR0208705,1558
2012-12-11,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2012-12-13,Closed with explanation,Yes,Yes,CR0207511,3427
2012-12-10,Credit card,,Credit determination,,,,N/A,Postal mail,2012-12-11,Closed with explanation,Yes,No,CR0207263,2542
2012-12-10,Credit card,,Other fee,,,,N/A,Postal mail,2012-12-10,Closed with explanation,Yes,No,CR0206472,4435
2012-12-10,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2012-12-10,Closed with explanation,Yes,No,CR0206385,2389
2012-12-05,Credit card,,Other fee,,,Older American,N/A,Postal mail,2012-12-05,Closed with explanation,Yes,Yes,CR0202801,731
2012-12-04,Credit card,,Collection practices,,,,N/A,Postal mail,2012-12-04,Closed with explanation,Yes,No,CR0202858,1502
2012-12-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2012-12-04,Closed with monetary relief,Yes,No,CR0203037,1055
2012-12-03,Credit card,,Billing disputes,,,,N/A,Postal mail,2012-12-04,Closed with explanation,Yes,Yes,CR0202270,2834
2012-11-29,Credit card,,Credit reporting,,,,N/A,Postal mail,2012-11-29,Closed with explanation,Yes,No,CR0200300,3681
2012-11-28,Credit card,,Payoff process,,,,N/A,Postal mail,2012-11-29,Closed with non-monetary relief,Yes,No,CR0199260,9721
2012-11-27,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2012-11-28,Closed with explanation,Yes,No,CR0198689,1232
2012-11-21,Credit card,,APR or interest rate,,,,N/A,Postal mail,2012-11-21,Closed with explanation,Yes,No,CR0194799,1791
2012-11-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-11-23,Closed with monetary relief,Yes,No,CR0195378,4032
2012-11-20,Credit card,,Collection practices,,,,N/A,Postal mail,2012-11-21,Closed with explanation,Yes,No,CR0194881,1693
2012-11-20,Credit card,,Credit reporting,,,,N/A,Postal mail,2012-11-21,Closed with explanation,Yes,No,CR0194773,55
2012-11-19,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-11-20,Closed with explanation,Yes,No,CR0194271,3875
2012-11-15,Credit card,,Billing disputes,,,,N/A,Postal mail,2012-11-16,Closed with explanation,Yes,No,CR0191079,2235
2012-11-09,Credit card,,Billing disputes,,,,N/A,Postal mail,2012-11-09,Closed with non-monetary relief,Yes,Yes,CR0187972,95
2012-11-06,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2012-11-06,Closed with explanation,Yes,No,CR0185278,2002
2012-11-06,Credit card,,Payoff process,,,,N/A,Postal mail,2012-11-06,Closed with explanation,Yes,Yes,CR0185228,2319
2012-11-06,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2012-11-07,Closed with explanation,Yes,Yes,CR0185522,13071
2012-11-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-11-02,Closed with explanation,Yes,No,CR0182553,2468
2012-10-31,Credit card,,Credit reporting,,,,N/A,Postal mail,2012-11-01,Closed with explanation,Yes,No,CR0182915,4569
2012-10-30,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2012-10-31,Closed with explanation,Yes,No,CR0181074,960
2012-10-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-10-31,Closed with explanation,Yes,No,CR0181110,2182
2012-10-30,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-11-01,Closed with monetary relief,Yes,No,CR0181323,4608
2012-10-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-11-01,Closed with monetary relief,Yes,No,CR0181339,4658
2012-10-29,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2012-11-01,Closed with explanation,No,,CR0179626,3883
2012-10-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-10-30,Closed with explanation,Yes,Yes,CR0179530,4261
2012-10-27,Credit card,,APR or interest rate,,,,N/A,Postal mail,2012-10-31,Closed with non-monetary relief,Yes,No,CR0179163,2981
2012-10-26,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2012-10-30,Closed with non-monetary relief,Yes,No,CR0178929,3233
2012-10-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-10-30,Closed with monetary relief,Yes,Yes,CR0180019,1489
2012-10-22,Credit card,,APR or interest rate,,,,N/A,Postal mail,2012-10-22,Closed with explanation,Yes,Yes,CR0175840,4355
2012-10-17,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Postal mail,2012-10-18,Closed with explanation,Yes,No,CR0173693,3152
2012-10-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-10-17,Closed with explanation,Yes,No,CR0172671,807
2012-10-15,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2012-10-15,Closed with explanation,Yes,No,CR0171293,4151
2012-10-12,Credit card,,Billing disputes,,,,N/A,Postal mail,2012-10-15,Closed with non-monetary relief,Yes,No,CR0169996,3054
2012-10-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-10-12,Closed with explanation,Yes,No,CR0169515,5722
2012-10-10,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Postal mail,2012-10-11,Closed with monetary relief,Yes,No,CR0168606,3319
2012-10-04,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-10-04,Closed with explanation,Yes,No,CR0165414,9664
2012-10-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-10-04,Closed with explanation,Yes,No,CR0161463,514
2012-10-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-10-04,Closed with monetary relief,Yes,No,CR0163347,815
2012-10-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Postal mail,2012-10-04,Closed with explanation,Yes,No,CR0165028,1396
2012-10-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2012-10-04,Closed with explanation,Yes,No,CR0165139,884
2012-10-01,Credit card,,Credit card protection / Debt protection,,,,N/A,Postal mail,2012-10-02,Closed with explanation,Yes,No,CR0163334,5249
2012-10-01,Credit card,,Advertising and marketing,,,,N/A,Postal mail,2012-10-01,Closed with explanation,Yes,No,CR0164231,363
2012-09-28,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-10-01,Closed with explanation,Yes,No,CR0161811,3028
2012-09-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2012-09-26,Closed with explanation,Yes,No,CR0159745,3509
2012-09-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2012-09-25,Closed with explanation,Yes,Yes,CR0158745,3922
2012-09-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-09-24,Closed with explanation,Yes,No,CR0157821,2200
2012-09-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2012-09-24,Closed with explanation,Yes,No,CR0157475,2769
2012-09-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-09-21,Closed with explanation,Yes,Yes,CR0155494,3273
2012-09-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-09-21,Closed with explanation,Yes,No,CR0156849,1209
2012-09-19,Credit card,,Credit reporting,,,,N/A,Postal mail,2012-09-19,Closed with non-monetary relief,Yes,No,CR0155168,4394
2012-09-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-09-20,Closed with explanation,Yes,Yes,CR0156359,4670
2012-09-18,Credit card,,Credit reporting,,,,N/A,Postal mail,2012-09-19,Closed with non-monetary relief,Yes,No,CR0155166,946
2012-09-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-09-19,Closed with non-monetary relief,Yes,No,CR0154150,777
2012-09-14,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2012-09-17,Closed with monetary relief,Yes,No,CR0152704,4408
2012-09-07,Credit card,,Billing disputes,,,,N/A,Postal mail,2012-09-10,Closed with non-monetary relief,Yes,No,CR0148748,4650
2012-09-06,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,N/A,Postal mail,2012-09-07,Closed with explanation,Yes,No,CR0147467,4485
2012-09-06,Credit card,,Billing disputes,,,,N/A,Postal mail,2012-09-06,Closed with non-monetary relief,Yes,No,CR0147866,3929
2012-09-06,Credit card,,Balance transfer,,,,N/A,Postal mail,2012-09-07,Closed with non-monetary relief,Yes,No,CR0147911,3486
2012-09-06,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Postal mail,2012-09-07,Closed with non-monetary relief,Yes,Yes,CR0147511,3077
2012-09-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2012-09-07,Closed with explanation,Yes,No,CR0147862,1134
2012-09-04,Credit card,,APR or interest rate,,,,N/A,Postal mail,2012-09-05,Closed with explanation,Yes,No,CR0146276,3716
2012-08-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-08-29,Closed with explanation,Yes,No,CR0143618,1686
2012-08-29,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Postal mail,2012-08-30,Closed with explanation,Yes,Yes,CR0143130,2309
2012-08-28,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Postal mail,2012-08-28,Closed with monetary relief,Yes,No,CR0142333,4574
2012-08-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-08-28,Closed with explanation,Yes,No,CR0141878,4469
2012-08-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2012-08-26,Closed with explanation,Yes,No,CR0141492,4333
2012-08-17,Credit card,,Credit reporting,,,,N/A,Postal mail,2012-08-20,Closed with explanation,Yes,No,CR0137794,2699
2012-08-17,Credit card,,Billing disputes,,,,N/A,Postal mail,2012-08-21,Closed with explanation,Yes,No,CR0137778,2610
2012-08-16,Credit card,,Credit reporting,,,,N/A,Postal mail,2012-08-16,Closed with explanation,Yes,Yes,CR0136536,4528
2012-08-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2012-08-17,Closed with monetary relief,Yes,No,CR0137486,4790
2012-08-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Postal mail,2012-08-09,Closed with explanation,Yes,Yes,CR0132712,142
2012-08-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-08-08,Closed with explanation,Yes,Yes,CR0131788,4758
2012-08-06,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2012-08-07,Closed with explanation,Yes,No,CR0130702,2514
2012-08-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Postal mail,2012-08-07,Closed with explanation,Yes,No,CR0129474,4061
2012-07-31,Credit card,,Credit reporting,,,Older American,N/A,Postal mail,2012-08-01,Closed with explanation,Yes,Yes,CR0127276,2637
2012-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-08-01,Closed with monetary relief,Yes,No,CR0127356,2348
2012-07-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-07-31,Closed with explanation,Yes,No,CR0124929,2592
2012-07-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2012-08-02,Closed with monetary relief,Yes,No,CR0125028,4572
2012-07-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-07-30,Closed with monetary relief,Yes,Yes,CR0124925,4227
2012-07-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-07-26,Closed with explanation,Yes,No,CR0123317,5393
2012-07-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2012-07-20,Closed with explanation,No,No,CR0120531,1308
2012-07-17,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Postal mail,2012-07-18,Closed with explanation,Yes,No,CR0118986,1667
2012-07-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-07-19,Closed with explanation,Yes,No,CR0119029,3634
2012-07-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2012-07-16,Closed with monetary relief,Yes,No,CR0116693,2883
2012-07-11,Credit card,,Credit determination,,,,N/A,Postal mail,2012-07-12,Closed with explanation,Yes,Yes,CR0115521,1718
2012-07-10,Credit card,,Credit reporting,,,,N/A,Postal mail,2012-07-11,Closed with explanation,Yes,No,CR0115327,405
2012-07-09,Credit card,,Collection debt dispute,,,,N/A,Postal mail,2012-07-11,Closed with explanation,Yes,No,CR0114264,2122
2012-07-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-07-10,Closed with non-monetary relief,Yes,No,CR0113170,2463
2012-06-25,Credit card,,Billing disputes,,,,N/A,Postal mail,2012-06-29,Closed with explanation,Yes,No,CR0107184,3852
2012-06-21,Credit card,,Other,,,,N/A,Postal mail,2012-06-21,Closed with explanation,No,,CR0106015,4949
2012-06-20,Credit card,,Late fee,,,,N/A,Postal mail,2012-07-03,Closed with explanation,Yes,Yes,CR0104926,4698
2012-06-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-06-26,Closed with non-monetary relief,Yes,No,CR0105136,3886
2012-06-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Postal mail,2012-06-21,Closed with explanation,Yes,Yes,CR0105840,1796
2012-06-18,Credit card,,APR or interest rate,,,,N/A,Postal mail,2012-06-22,Closed with explanation,Yes,No,CR0103593,9702
2012-06-14,Credit card,,Credit reporting,,,,N/A,Postal mail,2012-06-24,Closed with explanation,Yes,No,CR0101655,1843
2012-06-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2012-06-19,Closed with explanation,Yes,Yes,CR0100957,2889
2012-06-11,Credit card,,Billing disputes,,,Older American,N/A,Postal mail,2012-06-19,Closed with explanation,No,,CR0099051,5462
2012-06-11,Credit card,,Collection practices,,,,N/A,Postal mail,2012-06-13,Closed with explanation,Yes,Yes,CR0099458,4365
2012-06-11,Credit card,,APR or interest rate,,,,N/A,Postal mail,2012-06-13,Closed with non-monetary relief,Yes,No,CR0099004,11977
2012-06-11,Credit card,,Credit reporting,,,,N/A,Postal mail,2012-06-19,Closed with non-monetary relief,Yes,No,CR0099118,2950
2012-06-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-06-19,Closed with monetary relief,Yes,No,CR0099108,5517
2012-06-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-06-13,Closed with non-monetary relief,Yes,No,CR0097883,4581
2012-06-08,Credit card,,Billing disputes,,,,N/A,Postal mail,2012-06-13,Closed with monetary relief,Yes,No,CR0096811,3278
2012-06-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-06-19,Closed with explanation,Yes,Yes,CR0096931,3942
2012-06-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-06-15,Closed with explanation,Yes,No,CR0097566,11405
2012-06-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-06-03,Closed with explanation,Yes,Yes,CR0091778,3737
2012-06-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-06-06,Closed with monetary relief,Yes,No,CR0091526,2921
2012-05-31,Bank account or service,Savings account,Problems caused by my funds being low,,,"Older American, Servicemember",N/A,Postal mail,2012-06-05,Closed with monetary relief,Yes,Yes,CR0089427,1795
2012-05-23,Credit card,,Other,,,,N/A,Postal mail,2012-05-24,Closed with relief,Yes,No,CR0059338,4404
2012-05-21,Credit card,,Other fee,,,,N/A,Postal mail,2012-05-22,Closed with relief,Yes,No,CR0086489,3990
2012-05-18,Credit card,,Advertising and marketing,,,,N/A,Postal mail,2012-05-24,Closed with relief,Yes,No,CR0083609,2491
2012-05-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-05-22,Closed with monetary relief,No,Yes,CR0083924,3049
2012-05-17,Credit card,,Credit reporting,,,,N/A,Postal mail,2012-05-18,Closed without relief,Yes,Yes,CR0082693,403
2012-05-14,Credit card,,Closing/Cancelling account,,,,N/A,Postal mail,2012-05-15,Closed without relief,Yes,No,CR0077530,230
2012-05-14,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Postal mail,2012-05-15,Closed with relief,Yes,No,CR0077283,2667
2012-05-11,Credit card,,Billing disputes,,,"Older American, Servicemember",N/A,Postal mail,2012-05-15,Closed with relief,Yes,No,CR0055433,396
2012-05-04,Credit card,,Other,,,,N/A,Postal mail,2012-05-08,Closed without relief,Yes,No,CR0071512,3655
2012-05-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-05-04,Closed without relief,Yes,No,CR0042751,329
2012-05-03,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-05-04,Closed with explanation,Yes,No,CR0057427,1955
2012-05-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-05-03,Closed with relief,Yes,Yes,CR0069199,1625
2012-05-01,Credit card,,Billing disputes,,,,N/A,Postal mail,2012-05-02,Closed with relief,No,No,CR0068973,1431
2012-04-30,Credit card,,Credit line increase/decrease,,,,N/A,Postal mail,2012-05-02,Closed with relief,Yes,No,CR0068111,3430
2012-04-27,Credit card,,Other,,,,N/A,Postal mail,2012-05-01,Closed without relief,Yes,No,CR0067088,4710
2012-04-20,Credit card,,Payoff process,,,,N/A,Postal mail,2012-04-24,Closed without relief,Yes,Yes,CR0055032,4348
2012-04-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2012-04-23,Closed with relief,No,No,CR0033324,2177
2012-04-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Postal mail,2012-04-13,Closed without relief,No,No,CR0056908,3249
2012-04-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-04-23,Closed with relief,Yes,No,CR0057425,1943
2012-04-11,Credit card,,Billing disputes,,,,N/A,Postal mail,2012-04-12,Closed without relief,Yes,No,CR0054928,13658
2012-04-11,Credit card,,Billing disputes,,,,N/A,Postal mail,2012-04-13,Closed with relief,Yes,Yes,CR0055373,1386
2012-04-05,Credit card,,Payoff process,,,,N/A,Postal mail,2012-04-06,Closed without relief,Yes,Yes,CR0034287,5362
2012-04-05,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Postal mail,2012-04-05,Closed without relief,Yes,Yes,CR0044273,1863
2012-04-04,Credit card,,Billing disputes,,,,N/A,Postal mail,2012-04-06,Closed without relief,Yes,No,CR0037559,60
2012-04-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Postal mail,2012-04-05,Closed with relief,Yes,No,CR0036653,3282
2012-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Postal mail,2012-03-28,Closed with relief,Yes,No,CR0041589,9217
2012-03-23,Credit card,,Closing/Cancelling account,,,Older American,N/A,Postal mail,2012-03-27,Closed with relief,Yes,No,CR0033915,3273
2012-03-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Postal mail,2012-03-23,Closed without relief,Yes,No,CR0039895,2427
2012-03-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Postal mail,2012-03-21,Closed with relief,Yes,No,CR0037363,11136
2012-03-14,Credit card,,Forbearance / Workout plans,,,Older American,N/A,Postal mail,2012-03-15,Closed without relief,Yes,Yes,CR0024063,2938
2012-02-08,Credit card,,Credit reporting,,,,N/A,Postal mail,2012-03-13,Closed without relief,Yes,No,CR0009138,66
2012-01-30,Credit card,,Transaction issue,,,,N/A,Postal mail,2012-01-31,Closed with relief,Yes,No,CR0018608,13971
2012-01-24,Credit card,,Credit reporting,,,,N/A,Postal mail,2012-01-25,Closed with relief,Yes,No,CR0016304,4604
2012-01-13,Credit card,,Other fee,,,,N/A,Postal mail,2012-04-19,Closed without relief,Yes,Yes,CR0013312,632
2012-01-10,Credit card,,Late fee,,,,N/A,Postal mail,2012-01-13,Untimely response,No,,CR0012306,1800
2012-01-10,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Postal mail,2012-01-13,Closed with relief,Yes,No,CR0083461,11713
2011-12-23,Credit card,,Rewards,,,,N/A,Postal mail,2011-12-29,Closed with relief,Yes,Yes,CR0007882,1371
2011-12-20,Credit card,,Credit line increase/decrease,,,Older American,N/A,Postal mail,2011-12-22,Untimely response,No,,CR0007165,6616
2011-12-20,Credit card,,Other,,,,N/A,Postal mail,2011-12-30,Closed without relief,Yes,Yes,CR0085730,1181
2011-12-07,Credit card,,Rewards,,,,N/A,Postal mail,2011-12-12,Closed with relief,Yes,No,CR0003723,2153
2011-12-07,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Postal mail,2011-12-10,Closed without relief,Yes,No,CR0085912,3459
2017-03-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-03-30,Closed with explanation,Yes,,CR2412404,5358
2017-03-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-03-28,In progress,Yes,,CR2407993,4989
2017-03-27,Credit card,,Billing disputes,,,,N/A,Referral,2017-03-28,In progress,Yes,,CR2405206,2507
2017-03-27,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Referral,2017-03-28,In progress,Yes,,CR2405473,987
2017-03-27,Credit card,,Other fee,,,,N/A,Referral,2017-03-27,In progress,Yes,,CR2404922,2156
2017-03-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-03-28,Closed with monetary relief,Yes,,CR2406185,4769
2017-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-03-27,Closed with monetary relief,Yes,,CR2405057,1166
2017-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-03-27,In progress,Yes,,CR2405423,4052
2017-03-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-03-27,In progress,Yes,,CR2405053,3730
2017-03-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-03-28,Closed with explanation,Yes,,CR2406400,3631
2017-03-24,Credit card,,Credit determination,,,,N/A,Referral,2017-03-24,In progress,Yes,,CR2403713,3627
2017-03-24,Credit card,,Billing disputes,,,,N/A,Referral,2017-03-24,In progress,Yes,,CR2402879,3043
2017-03-23,Credit card,,Billing disputes,,,,N/A,Referral,2017-03-23,In progress,Yes,,CR2401175,3127
2017-03-23,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-03-23,Closed with explanation,Yes,,CR2401760,4082
2017-03-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-03-24,In progress,Yes,,CR2400492,3397
2017-03-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-03-23,In progress,Yes,,CR2400833,420
2017-03-22,Credit card,,Other,,,,N/A,Referral,2017-03-22,In progress,Yes,,CR2400386,2932
2017-03-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-03-22,In progress,Yes,,CR2400321,915
2017-03-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2017-03-22,Closed with monetary relief,Yes,,CR2400051,2445
2017-03-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-03-22,Closed with explanation,Yes,,CR2399455,10511
2017-03-21,Credit card,,Other,,,,N/A,Referral,2017-03-21,In progress,Yes,,CR2397895,314
2017-03-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-03-22,Closed with explanation,Yes,,CR2396723,3596
2017-03-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-03-22,Closed with non-monetary relief,Yes,,CR2396266,668
2017-03-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-03-22,In progress,Yes,,CR2397377,2808
2017-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-03-21,In progress,Yes,,CR2398015,1366
2017-03-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-03-22,Closed with explanation,Yes,,CR2397813,84
2017-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-03-22,In progress,Yes,,CR2396451,1613
2017-03-20,Credit card,,Other,,,,N/A,Referral,2017-03-21,Closed with explanation,Yes,,CR2395299,3113
2017-03-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-03-21,In progress,Yes,,CR2395008,1391
2017-03-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2017-03-21,In progress,Yes,,CR2395518,2682
2017-03-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2017-03-21,In progress,Yes,,CR2394444,4278
2017-03-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-03-21,Closed with monetary relief,Yes,,CR2394484,4535
2017-03-17,Credit card,,Other,,,,N/A,Referral,2017-03-20,In progress,Yes,,CR2392757,4821
2017-03-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-03-20,Closed with explanation,Yes,,CR2392276,4797
2017-03-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-03-20,Closed with monetary relief,Yes,Yes,CR2392987,1233
2017-03-17,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2017-03-17,Closed with monetary relief,Yes,,CR2392133,3497
2017-03-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-03-20,Closed with explanation,Yes,,CR2393201,2635
2017-03-16,Credit card,,APR or interest rate,,,,N/A,Referral,2017-03-17,In progress,Yes,,CR2390168,395
2017-03-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2017-03-17,In progress,Yes,,CR2389666,1091
2017-03-16,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2017-03-17,Closed with explanation,Yes,,CR2390932,11093
2017-03-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-03-17,Closed with explanation,Yes,Yes,CR2390383,2123
2017-03-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-03-17,Closed with monetary relief,Yes,,CR2389648,1488
2017-03-15,Credit card,,Rewards,,,,N/A,Referral,2017-03-16,In progress,Yes,,CR2388029,4080
2017-03-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2017-03-16,Closed with monetary relief,Yes,,CR2387850,2552
2017-03-15,Credit card,,Billing disputes,,,,N/A,Referral,2017-03-16,Closed with explanation,Yes,,CR2389501,651
2017-03-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-03-16,Closed with explanation,Yes,,CR2389160,1648
2017-03-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2017-03-16,In progress,Yes,,CR2389366,740
2017-03-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2017-03-16,Closed with explanation,Yes,,CR2389083,2035
2017-03-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-03-16,Closed with non-monetary relief,Yes,,CR2388828,9820
2017-03-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-03-16,Closed with monetary relief,Yes,,CR2388279,467
2017-03-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2017-03-16,Closed with explanation,Yes,,CR2387913,3156
2017-03-14,Credit card,,Other,,,,N/A,Referral,2017-03-15,Closed with explanation,Yes,,CR2386550,951
2017-03-14,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2017-03-15,Closed with monetary relief,Yes,,CR2385407,4249
2017-03-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-03-15,In progress,Yes,,CR2385678,2656
2017-03-14,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2017-03-15,In progress,Yes,,CR2386299,326
2017-03-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-03-16,In progress,Yes,,CR2386388,752
2017-03-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-03-15,Closed with explanation,Yes,,CR2386319,4832
2017-03-14,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2017-03-16,Closed with explanation,Yes,Yes,CR2386906,847
2017-03-14,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2017-03-16,Closed with non-monetary relief,Yes,Yes,CR2386197,12756
2017-03-14,Bank account or service,Savings account,Using a debit or ATM card,,,,N/A,Referral,2017-03-15,Closed with monetary relief,Yes,,CR2385299,1152
2017-03-13,Credit card,,Other,,,,N/A,Referral,2017-03-15,Closed with explanation,Yes,,CR2384811,1698
2017-03-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-03-15,In progress,Yes,,CR2384180,4076
2017-03-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2017-03-15,Closed with explanation,Yes,,CR2383889,2542
2017-03-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-03-15,Closed with explanation,Yes,,CR2384894,626
2017-03-13,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2017-03-14,Closed with monetary relief,Yes,,CR2384029,480
2017-03-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2017-03-14,Closed with explanation,Yes,Yes,CR2385159,7959
2017-03-10,Credit card,,Other,,,,N/A,Referral,2017-03-13,Closed with explanation,Yes,,CR2378939,172
2017-03-10,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2017-03-14,In progress,Yes,,CR2381640,2693
2017-03-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-03-14,Closed with explanation,Yes,,CR2381595,722
2017-03-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-03-13,Closed with explanation,Yes,,CR2379029,414
2017-03-09,Credit card,,Other,,,,N/A,Referral,2017-03-15,Closed with explanation,Yes,,CR2379895,1870
2017-03-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Referral,2017-03-13,Closed with explanation,Yes,,CR2379021,2942
2017-03-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-03-13,Closed with explanation,Yes,,CR2376800,1062
2017-03-08,Credit card,,Transaction issue,,,,N/A,Referral,2017-03-10,Closed with explanation,Yes,Yes,CR2377480,21
2017-03-08,Credit card,,Payoff process,,,,N/A,Referral,2017-03-10,Closed with explanation,Yes,,CR2377385,2910
2017-03-07,Credit card,,Billing disputes,,,,N/A,Referral,2017-03-09,Closed with monetary relief,Yes,,CR2375938,9775
2017-03-07,Credit card,,Billing disputes,,,,N/A,Referral,2017-03-09,Closed with explanation,Yes,,CR2375790,1080
2017-03-07,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2017-03-07,Closed with explanation,Yes,,CR2375092,3180
2017-03-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-03-09,Closed with explanation,Yes,Yes,CR2375466,3075
2017-03-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-03-09,Closed with explanation,Yes,,CR2375771,1392
2017-03-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-03-09,Closed with explanation,Yes,,CR2376128,1195
2017-03-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-03-09,Closed with monetary relief,Yes,,CR2375643,2339
2017-03-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-03-09,Closed with explanation,Yes,,CR2373067,2061
2017-03-06,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2017-03-09,Closed with explanation,Yes,,CR2372438,405
2017-03-06,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-03-08,Closed with monetary relief,Yes,,CR2374446,2766
2017-03-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-03-08,Closed with explanation,Yes,,CR2372902,11875
2017-03-06,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Referral,2017-03-09,Closed with explanation,Yes,,CR2373401,3796
2017-03-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-03-08,Closed with monetary relief,Yes,,CR2372125,331
2017-03-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Servicemember,N/A,Referral,2017-03-08,Closed with explanation,Yes,,CR2371164,2925
2017-03-03,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2017-03-07,Closed with explanation,Yes,Yes,CR2369950,1746
2017-03-03,Credit card,,Billing disputes,,,,N/A,Referral,2017-03-07,Closed with monetary relief,Yes,,CR2370576,221
2017-03-03,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-03-07,Closed with monetary relief,Yes,,CR2370604,6567
2017-03-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-03-07,Closed with monetary relief,Yes,,CR2370571,4627
2017-03-02,Credit card,,Billing disputes,,,,N/A,Referral,2017-03-06,Closed with monetary relief,Yes,,CR2368294,1370
2017-03-02,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2017-03-07,Closed with monetary relief,Yes,,CR2369342,4271
2017-03-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-03-06,Closed with monetary relief,Yes,,CR2368926,3890
2017-03-01,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2017-03-06,Closed with explanation,Yes,,CR2366212,1883
2017-03-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2017-03-03,Closed with monetary relief,Yes,,CR2366287,643
2017-03-01,Credit card,,APR or interest rate,,,,N/A,Referral,2017-03-06,Closed with non-monetary relief,Yes,,CR2367597,358
2017-03-01,Credit card,,Billing disputes,,,,N/A,Referral,2017-03-03,Closed with explanation,Yes,Yes,CR2366059,10
2017-03-01,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-03-06,Closed with explanation,Yes,,CR2367538,4929
2017-03-01,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-03-03,Closed with explanation,Yes,,CR2367409,13201
2017-02-28,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2017-03-02,Closed with monetary relief,Yes,,CR2364440,10269
2017-02-28,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Servicemember,N/A,Referral,2017-03-02,Closed with explanation,Yes,,CR2363759,1226
2017-02-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-03-02,Closed with explanation,Yes,,CR2362666,6604
2017-02-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-03-02,Closed with explanation,Yes,,CR2362913,1103
2017-02-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-03-02,Closed with explanation,Yes,,CR2362400,66
2017-02-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-03-02,Closed with explanation,Yes,,CR2362394,352
2017-02-24,Credit card,,Late fee,,,Servicemember,N/A,Referral,2017-03-01,Closed with explanation,Yes,,CR2360305,4651
2017-02-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2017-03-01,Closed with explanation,Yes,,CR2360603,3065
2017-02-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-03-01,Closed with explanation,Yes,,CR2359360,4423
2017-02-24,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2017-02-28,Closed with explanation,Yes,,CR2356989,856
2017-02-24,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-03-01,Closed with explanation,Yes,Yes,CR2359431,1362
2017-02-23,Credit card,,Billing disputes,,,,N/A,Referral,2017-02-28,Closed with explanation,Yes,Yes,CR2357952,6186
2017-02-23,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2017-02-27,Closed with explanation,Yes,,CR2354940,1669
2017-02-23,Credit card,,Billing disputes,,,Servicemember,N/A,Referral,2017-02-28,Closed with explanation,Yes,,CR2358051,6827
2017-02-23,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2017-02-28,Closed with monetary relief,Yes,,CR2358070,4144
2017-02-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-02-28,Closed with explanation,Yes,,CR2357314,41
2017-02-23,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Referral,2017-02-28,Closed with monetary relief,Yes,,CR2358953,13469
2017-02-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-02-28,Closed with explanation,Yes,,CR2357368,9217
2017-02-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2017-02-28,Closed with explanation,Yes,,CR2358102,3925
2017-02-22,Credit card,,Other fee,,,,N/A,Referral,2017-02-27,Closed with explanation,Yes,,CR2355124,12850
2017-02-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2017-02-27,Closed with monetary relief,Yes,,CR2355865,2475
2017-02-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-27,Closed with explanation,Yes,,CR2354902,137
2017-02-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-27,Closed with explanation,Yes,,CR2353061,4800
2017-02-22,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Referral,2017-02-27,Closed with explanation,Yes,,CR2354909,1566
2017-02-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-02-27,Closed with explanation,Yes,,CR2355007,4179
2017-02-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Referral,2017-02-27,Closed with explanation,Yes,,CR2356263,12986
2017-02-21,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2017-02-27,Closed with explanation,Yes,,CR2353814,2912
2017-02-21,Credit card,,Billing disputes,,,,N/A,Referral,2017-02-24,Closed with monetary relief,Yes,,CR2352864,13102
2017-02-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-02-27,Closed with monetary relief,Yes,,CR2353782,10746
2017-02-21,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Referral,2017-02-24,Closed with explanation,Yes,,CR2354768,4662
2017-02-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-02-24,Closed with monetary relief,Yes,,CR2353491,1173
2017-02-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-24,Closed with explanation,Yes,,CR2354796,3983
2017-02-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-02-24,Closed with explanation,Yes,,CR2354447,543
2017-02-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-24,Closed with explanation,Yes,,CR2353617,44
2017-02-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-02-24,Closed with monetary relief,Yes,,CR2353443,4786
2017-02-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-03-26,In progress,Yes,,CR2354455,2465
2017-02-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2017-02-23,Closed with explanation,Yes,Yes,CR2349535,13658
2017-02-17,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-02-23,Closed with explanation,Yes,,CR2350336,1396
2017-02-16,Credit card,,Advertising and marketing,,,,N/A,Referral,2017-02-22,Closed with explanation,Yes,,CR2345521,1098
2017-02-16,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2017-02-22,Closed with monetary relief,Yes,,CR2345019,5827
2017-02-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-02-22,Closed with explanation,Yes,,CR2347737,1325
2017-02-15,Credit card,,Rewards,,,,N/A,Referral,2017-02-21,Closed with explanation,Yes,,CR2345308,459
2017-02-15,Credit card,,Credit determination,,,,N/A,Referral,2017-02-17,Closed with explanation,Yes,,CR2346003,3596
2017-02-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-17,Closed with non-monetary relief,Yes,,CR2346138,5144
2017-02-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-16,Closed with explanation,Yes,,CR2343036,3728
2017-02-13,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2017-02-16,Closed with explanation,Yes,,CR2341709,3857
2017-02-13,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2017-02-15,Closed with non-monetary relief,Yes,,CR2341006,2546
2017-02-13,Credit card,,Billing disputes,,,,N/A,Referral,2017-02-16,Closed with explanation,Yes,,CR2341697,3408
2017-02-13,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2017-02-15,Closed with explanation,Yes,,CR2342075,2353
2017-02-13,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2017-02-15,Closed with explanation,Yes,,CR2342816,1075
2017-02-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-02-15,Closed with monetary relief,Yes,,CR2341877,1533
2017-02-10,Credit card,,Billing disputes,,,,N/A,Referral,2017-02-15,Closed with explanation,Yes,,CR2338340,3068
2017-02-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-15,Closed with explanation,Yes,Yes,CR2338020,612
2017-02-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-02-14,Closed with explanation,Yes,,CR2338495,1352
2017-02-10,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-02-14,Closed with monetary relief,Yes,,CR2337981,2373
2017-02-09,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2017-02-13,Closed with explanation,Yes,,CR2336484,4595
2017-02-09,Credit card,,Credit determination,,,,N/A,Referral,2017-02-13,Closed with explanation,Yes,,CR2336904,4221
2017-02-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-13,Closed with explanation,Yes,,CR2337041,4563
2017-02-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-13,Closed with monetary relief,Yes,,CR2335964,1077
2017-02-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Referral,2017-02-13,Closed with explanation,Yes,,CR2337526,4531
2017-02-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Referral,2017-02-13,Closed with explanation,Yes,,CR2336009,3266
2017-02-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-09,Closed with non-monetary relief,Yes,Yes,CR2336895,5753
2017-02-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2017-02-13,Closed with explanation,Yes,Yes,CR2335112,7412
2017-02-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2017-02-10,Closed with monetary relief,Yes,,CR2332226,1040
2017-02-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-02-13,Closed with explanation,Yes,Yes,CR2334457,2299
2017-02-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-02-10,Closed with explanation,Yes,,CR2332344,2060
2017-02-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-13,Closed with monetary relief,Yes,,CR2334510,525
2017-02-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2017-02-10,Closed with explanation,Yes,,CR2335663,11034
2017-02-08,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-02-13,Closed with explanation,Yes,,CR2334122,418
2017-02-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-02-13,Closed with explanation,Yes,,CR2333523,3535
2017-02-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-02-13,Closed with explanation,Yes,,CR2333867,4011
2017-02-07,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2017-02-09,Closed with explanation,Yes,Yes,CR2333086,3245
2017-02-07,Credit card,,Other,,,,N/A,Referral,2017-02-07,Closed with explanation,Yes,,CR2331523,2853
2017-02-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-09,Closed with explanation,Yes,,CR2329211,1923
2017-02-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-02-07,Closed with explanation,Yes,,CR2332902,13044
2017-02-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-07,Closed with explanation,Yes,Yes,CR2332000,1406
2017-02-06,Credit card,,Transaction issue,,,,N/A,Referral,2017-02-07,Closed with monetary relief,Yes,,CR2328883,3767
2017-02-06,Credit card,,APR or interest rate,,,,N/A,Referral,2017-02-09,Closed with monetary relief,Yes,,CR2329087,3158
2017-02-06,Credit card,,Payoff process,,,Older American,N/A,Referral,2017-02-07,Closed with explanation,Yes,Yes,CR2329949,4260
2017-02-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-02-07,Closed with monetary relief,Yes,,CR2329421,1926
2017-02-06,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2017-02-07,Closed with explanation,Yes,,CR2329571,730
2017-02-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2017-02-08,Closed with explanation,Yes,Yes,CR2326617,2217
2017-02-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2017-02-08,Closed with explanation,Yes,,CR2325591,3369
2017-02-02,Credit card,,Billing disputes,,,,N/A,Referral,2017-02-07,Closed with explanation,Yes,Yes,CR2324710,3446
2017-02-02,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2017-02-06,Closed with explanation,Yes,,CR2322412,422
2017-02-02,Credit card,,Billing disputes,,,,N/A,Referral,2017-02-07,Closed with non-monetary relief,Yes,,CR2323053,164
2017-02-02,Credit card,,APR or interest rate,,,Older American,N/A,Referral,2017-02-07,Closed with explanation,Yes,,CR2324777,4427
2017-02-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-02-07,Closed with monetary relief,Yes,,CR2324420,818
2017-02-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-02-07,Closed with explanation,Yes,,CR2324631,12754
2017-02-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-02-07,Closed with monetary relief,Yes,,CR2324093,2947
2017-02-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-02-07,Closed with explanation,Yes,,CR2324474,11314
2017-02-02,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2017-02-07,Closed with explanation,Yes,,CR2324815,4630
2017-02-02,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2017-02-07,Closed with explanation,Yes,Yes,CR2324260,1662
2017-02-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2017-02-06,Closed with monetary relief,Yes,,CR2323061,2924
2017-02-01,Credit card,,Other,,,,N/A,Referral,2017-02-07,Closed with monetary relief,Yes,,CR2322027,2317
2017-02-01,Credit card,,Late fee,,,,N/A,Referral,2017-02-06,Closed with monetary relief,Yes,,CR2325502,3298
2017-02-01,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2017-02-06,Closed with explanation,Yes,,CR2323551,327
2017-02-01,Credit card,,Other,,,,N/A,Referral,2017-02-07,Closed with explanation,Yes,Yes,CR2323191,2936
2017-02-01,Credit card,,Billing statement,,,,N/A,Referral,2017-02-06,Closed with explanation,Yes,,CR2324193,2169
2017-02-01,Credit card,,Billing disputes,,,,N/A,Referral,2017-02-06,Closed with explanation,Yes,,CR2324469,3404
2017-02-01,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-02-06,Closed with explanation,Yes,,CR2321653,3667
2017-02-01,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Referral,2017-02-06,Closed with explanation,Yes,,CR2322091,510
2017-02-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2017-02-06,Closed with explanation,Yes,,CR2322630,7011
2017-02-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-06,Closed with monetary relief,Yes,,CR2323305,4653
2017-02-01,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-02-06,Closed with monetary relief,Yes,,CR2321496,269
2017-02-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-06,Closed with explanation,Yes,,CR2324198,4436
2017-02-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-02-06,Closed with monetary relief,Yes,,CR2324107,1469
2017-02-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-06,Closed with monetary relief,Yes,,CR2323117,12416
2017-02-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-07,Closed with explanation,Yes,,CR2322999,3643
2017-01-31,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-02-03,Closed with explanation,Yes,,CR2320654,1462
2017-01-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-02-03,Closed with monetary relief,Yes,,CR2319064,4863
2017-01-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-03,Closed with monetary relief,Yes,,CR2321025,1578
2017-01-31,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2017-02-03,Closed with explanation,Yes,,CR2319270,4189
2017-01-31,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2017-02-03,Closed with explanation,Yes,,CR2320088,531
2017-01-31,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-02-03,Closed with monetary relief,Yes,Yes,CR2319430,4706
2017-01-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-02-03,Closed with explanation,Yes,No,CR2319060,2400
2017-01-31,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-02-03,Closed with explanation,Yes,,CR2320673,10282
2017-01-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-03,Closed with explanation,Yes,,CR2320383,1021
2017-01-31,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-02-02,Closed with explanation,Yes,Yes,CR2319743,6112
2017-01-30,Credit card,,Other,,,,N/A,Referral,2017-02-02,Closed with non-monetary relief,Yes,,CR2318993,1922
2017-01-30,Credit card,,Late fee,,,,N/A,Referral,2017-02-02,Closed with monetary relief,Yes,No,CR2317610,4406
2017-01-30,Credit card,,Billing disputes,,,,N/A,Referral,2017-02-02,Closed with monetary relief,Yes,,CR2317182,1237
2017-01-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-02-02,Closed with monetary relief,Yes,,CR2318588,1517
2017-01-30,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,Older American,N/A,Referral,2017-02-02,Closed with explanation,Yes,,CR2317136,2611
2017-01-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-02-02,Closed with explanation,Yes,,CR2318602,3360
2017-01-28,Credit card,,Late fee,,,,N/A,Referral,2017-02-01,Closed with monetary relief,Yes,,CR2315931,3131
2017-01-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-02-01,Closed with monetary relief,Yes,,CR2314754,2493
2017-01-27,Credit card,,Billing disputes,,,,N/A,Referral,2017-02-01,Closed with explanation,Yes,,CR2311868,152
2017-01-27,Credit card,,Transaction issue,,,,N/A,Referral,2017-02-07,Closed with explanation,Yes,,CR2313731,11304
2017-01-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-30,Closed with explanation,Yes,No,CR2312661,313
2017-01-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-01-27,Closed with monetary relief,Yes,,CR2309895,3240
2017-01-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-01-27,Closed with explanation,Yes,No,CR2310456,9
2017-01-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-01-27,Closed with explanation,Yes,No,CR2310081,2980
2017-01-24,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-01-26,Closed with monetary relief,Yes,No,CR2307362,4757
2017-01-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-01-26,Closed with explanation,Yes,No,CR2307072,11286
2017-01-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-01-27,Closed with explanation,Yes,No,CR2307605,2628
2017-01-24,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2017-01-27,Closed with explanation,Yes,No,CR2307084,3721
2017-01-23,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2017-01-25,Closed with monetary relief,Yes,No,CR2305310,1874
2017-01-23,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2017-01-25,Closed with non-monetary relief,Yes,No,CR2306925,4163
2017-01-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-01-25,Closed with explanation,Yes,,CR2306544,3310
2017-01-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-01-25,Closed with monetary relief,Yes,,CR2305741,4257
2017-01-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-25,Closed with monetary relief,Yes,,CR2305468,246
2017-01-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-01-25,Closed with monetary relief,Yes,No,CR2303136,1786
2017-01-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-25,Closed with explanation,Yes,No,CR2303282,2882
2017-01-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-25,Closed with explanation,Yes,No,CR2306624,4059
2017-01-23,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Referral,2017-01-25,Closed with explanation,Yes,No,CR2303082,3267
2017-01-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2017-01-25,Closed with explanation,Yes,No,CR2305708,74
2017-01-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-01-25,Closed with non-monetary relief,Yes,No,CR2305131,1027
2017-01-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-01-25,Closed with explanation,Yes,No,CR2306429,4701
2017-01-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-25,Closed with explanation,Yes,No,CR2306226,2827
2017-01-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-25,Closed with explanation,Yes,Yes,CR2303497,2670
2017-01-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-01-26,Closed with explanation,Yes,,CR2307833,4772
2017-01-23,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-25,Closed with monetary relief,Yes,,CR2306115,3977
2017-01-20,Credit card,,Billing disputes,,,,N/A,Referral,2017-01-24,Closed with explanation,Yes,,CR2300927,993
2017-01-20,Credit card,,Other,,,,N/A,Referral,2017-01-24,Closed with monetary relief,Yes,,CR2300864,1621
2017-01-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-01-24,Closed with explanation,Yes,,CR2300369,690
2017-01-19,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2017-01-23,Closed with explanation,Yes,,CR2295935,3741
2017-01-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-23,Closed with explanation,Yes,,CR2296424,4795
2017-01-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-01-23,Closed with monetary relief,Yes,No,CR2299550,1530
2017-01-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-01-23,Closed with monetary relief,Yes,No,CR2297205,1124
2017-01-19,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-20,Closed with monetary relief,Yes,No,CR2295171,3975
2017-01-19,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2017-01-23,Closed with explanation,Yes,No,CR2296238,4288
2017-01-18,Credit card,,Other fee,,,,N/A,Referral,2017-01-20,Closed with monetary relief,Yes,,CR2293836,1481
2017-01-18,Credit card,,Other fee,,,,N/A,Referral,2017-01-19,Closed with explanation,Yes,No,CR2292296,878
2017-01-18,Credit card,,Other fee,,,,N/A,Referral,2017-01-19,Closed with explanation,Yes,No,CR2291739,1790
2017-01-18,Credit card,,Other fee,,,,N/A,Referral,2017-01-19,Closed with explanation,Yes,No,CR2291771,1620
2017-01-18,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2017-01-19,Closed with monetary relief,Yes,Yes,CR2295179,4266
2017-01-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-01-19,Closed with explanation,Yes,No,CR2293733,4713
2017-01-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2017-01-19,Closed with explanation,Yes,No,CR2293459,4729
2017-01-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-19,Closed with non-monetary relief,Yes,No,CR2294402,1135
2017-01-18,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-01-19,Closed with monetary relief,Yes,No,CR2292870,4237
2017-01-18,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-01-19,Closed with explanation,Yes,,CR2294115,3988
2017-01-18,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2017-01-20,Closed with explanation,Yes,,CR2294792,2476
2017-01-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-19,Closed with explanation,Yes,,CR2293368,1523
2017-01-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-01-17,Closed with explanation,Yes,No,CR2288841,2618
2017-01-12,Credit card,,Other,,,,N/A,Referral,2017-01-17,Closed with explanation,Yes,No,CR2287344,2714
2017-01-12,Credit card,,Other,,,,N/A,Referral,2017-01-17,Closed with explanation,Yes,No,CR2287388,413
2017-01-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-02-03,Closed with monetary relief,Yes,,CR2287724,4293
2017-01-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-17,Closed with explanation,Yes,No,CR2286453,2297
2017-01-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-17,Closed with explanation,Yes,No,CR2286750,3476
2017-01-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-17,Closed with monetary relief,Yes,No,CR2287548,3987
2017-01-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-13,Closed with monetary relief,Yes,,CR2286297,4634
2017-01-10,Credit card,,Transaction issue,,,,N/A,Referral,2017-01-12,Closed with explanation,Yes,No,CR2282749,2384
2017-01-10,Credit card,,Delinquent account,,,,N/A,Referral,2017-01-10,Closed with explanation,Yes,No,CR2282249,6886
2017-01-10,Credit card,,Billing disputes,,,,N/A,Referral,2017-01-11,Closed with explanation,Yes,No,CR2282376,2256
2017-01-10,Credit card,,Transaction issue,,,,N/A,Referral,2017-01-11,Closed with monetary relief,Yes,Yes,CR2283814,1510
2017-01-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-01-11,Closed with explanation,Yes,No,CR2282662,863
2017-01-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-01-12,Closed with explanation,Yes,No,CR2283208,844
2017-01-10,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2017-01-11,Closed with monetary relief,Yes,No,CR2283497,428
2017-01-10,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2017-01-11,Closed with monetary relief,Yes,No,CR2282754,390
2017-01-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-11,Closed with monetary relief,Yes,No,CR2283974,119
2017-01-09,Credit card,,Other,,,,N/A,Referral,2017-01-10,Closed with explanation,Yes,No,CR2280070,3509
2017-01-09,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2017-01-11,Closed with monetary relief,Yes,No,CR2281946,283
2017-01-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2017-01-10,Closed with explanation,Yes,No,CR2281027,12943
2017-01-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-01-10,Closed with monetary relief,Yes,No,CR2279697,10351
2017-01-06,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2017-01-09,Closed with explanation,Yes,No,CR2278721,1324
2017-01-06,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2017-01-10,Closed with explanation,Yes,Yes,CR2278000,3058
2017-01-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-01-31,Closed with explanation,Yes,No,CR2276178,2680
2017-01-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2017-01-06,Closed with monetary relief,Yes,No,CR2274663,2299
2017-01-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2017-01-06,Closed with explanation,Yes,No,CR2274178,2927
2017-01-04,Credit card,,Billing disputes,,,,N/A,Referral,2017-01-06,Closed with explanation,Yes,Yes,CR2274918,3314
2017-01-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2017-01-06,Closed with monetary relief,Yes,No,CR2273495,2454
2017-01-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-06,Closed with explanation,Yes,No,CR2275161,10988
2017-01-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2017-01-06,Closed with monetary relief,Yes,No,CR2273649,375
2017-01-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-06,Closed with explanation,Yes,No,CR2275258,2441
2017-01-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2017-01-06,Closed with explanation,Yes,Yes,CR2273563,5395
2016-12-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-12-29,Closed with monetary relief,Yes,Yes,CR2266333,1134
2016-12-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-12-29,Closed with monetary relief,Yes,No,CR2268281,3826
2016-12-29,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Referral,2016-12-29,Closed with explanation,Yes,No,CR2267742,3612
2016-12-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-29,Closed with explanation,Yes,No,CR2267043,7970
2016-12-29,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-12-30,Closed with explanation,Yes,No,CR2268511,10041
2016-12-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2017-01-06,Closed with monetary relief,Yes,No,CR2268022,1612
2016-12-28,Credit card,,Billing disputes,,,,N/A,Referral,2016-12-28,Closed with monetary relief,Yes,No,CR2265872,1659
2016-12-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-29,Closed with monetary relief,Yes,No,CR2267097,400
2016-12-28,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-12-28,Closed with explanation,Yes,No,CR2266569,9680
2016-12-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-12-27,Closed with explanation,Yes,No,CR2265084,1539
2016-12-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-22,Closed with monetary relief,Yes,No,CR2260783,13089
2016-12-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-23,Closed with non-monetary relief,Yes,No,CR2260477,640
2016-12-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-12-23,Closed with explanation,Yes,No,CR2261499,1128
2016-12-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-12-22,Closed with monetary relief,Yes,No,CR2261538,1526
2016-12-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-23,Closed with explanation,Yes,Yes,CR2260557,1182
2016-12-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-12-21,Closed with explanation,Yes,No,CR2259458,1836
2016-12-21,Credit card,,Rewards,,,,N/A,Referral,2016-12-22,Closed with explanation,Yes,No,CR2259097,2550
2016-12-21,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2016-12-22,Closed with monetary relief,Yes,No,CR2259650,1788
2016-12-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-12-22,Closed with explanation,Yes,Yes,CR2259206,1548
2016-12-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-12-21,Closed with monetary relief,Yes,No,CR2257782,1874
2016-12-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-21,Closed with explanation,Yes,No,CR2257588,280
2016-12-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-12-21,Closed with explanation,Yes,No,CR2257964,4118
2016-12-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-12-21,Closed with monetary relief,Yes,No,CR2258637,4170
2016-12-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-20,Closed with explanation,Yes,No,CR2257692,4068
2016-12-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-12-21,Closed with monetary relief,Yes,No,CR2257309,4620
2016-12-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-12-21,Closed with explanation,Yes,Yes,CR2257442,4598
2016-12-20,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-12-21,Closed with explanation,Yes,Yes,CR2257262,597
2016-12-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-12-19,Closed with explanation,Yes,Yes,CR2255756,1362
2016-12-19,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2016-12-19,Closed with monetary relief,Yes,Yes,CR2256198,4368
2016-12-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-12-20,Closed with explanation,Yes,No,CR2255772,2728
2016-12-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Referral,2016-12-16,Closed with explanation,Yes,No,CR2250883,224
2016-12-16,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Referral,2016-12-19,Closed with monetary relief,Yes,No,CR2252392,4213
2016-12-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-16,Closed with explanation,Yes,Yes,CR2250851,1474
2016-12-15,Credit card,,Billing disputes,,,,N/A,Referral,2016-12-16,Closed with explanation,Yes,No,CR2252160,60
2016-12-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-12-16,Closed with explanation,Yes,No,CR2252319,3108
2016-12-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-15,Closed with explanation,Yes,No,CR2250278,1742
2016-12-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-12-14,Closed with monetary relief,Yes,No,CR2247129,1098
2016-12-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-12-14,Closed with explanation,Yes,No,CR2247703,4046
2016-12-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-12-14,Closed with explanation,Yes,No,CR2248737,4725
2016-12-14,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-12-14,Closed with explanation,Yes,No,CR2249381,620
2016-12-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Referral,2016-12-15,Closed with monetary relief,Yes,No,CR2249282,2222
2016-12-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-12-14,Closed with non-monetary relief,Yes,No,CR2247889,21
2016-12-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-12-14,Closed with explanation,Yes,No,CR2247701,167
2016-12-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-14,Closed with explanation,Yes,No,CR2248295,3619
2016-12-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-14,Closed with explanation,Yes,No,CR2247704,4245
2016-12-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-12-14,Closed with monetary relief,Yes,No,CR2248746,1043
2016-12-12,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-12-13,Closed with monetary relief,Yes,No,CR2245982,1994
2016-12-09,Credit card,,Customer service / Customer relations,,,Older American,N/A,Referral,2016-12-12,Closed with explanation,Yes,No,CR2243018,1136
2016-12-09,Credit card,,Balance transfer,,,,N/A,Referral,2016-12-13,Closed with explanation,Yes,No,CR2244046,2058
2016-12-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-12-12,Closed with explanation,Yes,No,CR2243949,3764
2016-12-08,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-12-08,Closed with monetary relief,Yes,No,CR2239387,3043
2016-12-07,Credit card,,Other,,,,N/A,Referral,2016-12-08,Closed with monetary relief,Yes,No,CR2238961,6691
2016-12-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-12-08,Closed with explanation,Yes,No,CR2240531,2349
2016-12-07,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-12-08,Closed with explanation,Yes,No,CR2240722,7800
2016-12-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-12,Closed with explanation,Yes,No,CR2237312,4019
2016-12-06,Credit card,,Billing disputes,,,,N/A,Referral,2016-12-06,Closed with explanation,Yes,No,CR2235325,4226
2016-12-06,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2016-12-06,Closed with non-monetary relief,Yes,No,CR2237300,519
2016-12-06,Credit card,,Other fee,,,,N/A,Referral,2016-12-06,Closed with monetary relief,Yes,No,CR2237431,5358
2016-12-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-12-06,Closed with explanation,Yes,No,CR2238181,739
2016-12-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-12-06,Closed with monetary relief,Yes,No,CR2238460,2035
2016-12-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-12-06,Closed with explanation,Yes,No,CR2237259,964
2016-12-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-12-06,Closed with explanation,Yes,No,CR2237605,4488
2016-12-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-12-07,Closed with explanation,Yes,No,CR2237129,2778
2016-12-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-12-12,Closed with monetary relief,Yes,No,CR2237213,1791
2016-12-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-06,Closed with explanation,Yes,No,CR2236956,2938
2016-12-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-06,Closed with explanation,Yes,No,CR2236888,334
2016-12-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-12-06,Closed with explanation,Yes,No,CR2237401,1256
2016-12-06,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-12-06,Closed with explanation,Yes,Yes,CR2237911,2991
2016-12-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-12-06,Closed with monetary relief,Yes,Yes,CR2237839,2407
2016-12-05,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-12-05,Closed with monetary relief,Yes,No,CR2236585,7796
2016-12-05,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-12-06,Closed with explanation,Yes,No,CR2235798,10046
2016-12-05,Credit card,,Unsolicited issuance of credit card,,,,N/A,Referral,2016-12-05,Closed with non-monetary relief,Yes,No,CR2236104,2855
2016-12-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-05,Closed with explanation,Yes,No,CR2236187,10201
2016-12-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-12-05,Closed with explanation,Yes,No,CR2235600,3739
2016-12-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-05,Closed with monetary relief,Yes,Yes,CR2235266,4272
2016-12-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-12-05,Closed with monetary relief,Yes,Yes,CR2235679,1246
2016-12-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-12-06,Closed with monetary relief,Yes,No,CR2235739,4344
2016-12-02,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-12-02,Closed with monetary relief,Yes,No,CR2233270,11979
2016-12-02,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-12-02,Closed with explanation,Yes,Yes,CR2232629,1377
2016-12-01,Credit card,,Billing disputes,,,,N/A,Referral,2016-12-01,Closed with monetary relief,Yes,No,CR2230942,4260
2016-12-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-12-02,Closed with non-monetary relief,Yes,Yes,CR2231584,3936
2016-12-01,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-12-02,Closed with explanation,Yes,Yes,CR2231570,1759
2016-12-01,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-12-01,Closed with monetary relief,Yes,Yes,CR2231791,3128
2016-12-01,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-12-02,Closed with explanation,Yes,No,CR2230862,4179
2016-12-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-12-01,Closed with explanation,Yes,Yes,CR2231179,3065
2016-12-01,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-12-02,Closed with monetary relief,Yes,No,CR2232461,6342
2016-12-01,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-12-02,Closed with monetary relief,Yes,No,CR2231400,2712
2016-12-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-02,Closed with monetary relief,Yes,No,CR2231519,4740
2016-11-30,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-11-30,Closed with explanation,Yes,No,CR2229799,1495
2016-11-30,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-12-01,Closed with explanation,Yes,Yes,CR2230513,4774
2016-11-30,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-11-30,Closed with explanation,Yes,No,CR2230201,4104
2016-11-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-11-30,Closed with monetary relief,Yes,No,CR2229195,3041
2016-11-30,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-11-30,Closed with monetary relief,Yes,No,CR2229436,4968
2016-11-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-11-30,Closed with explanation,Yes,No,CR2228366,4193
2016-11-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-12-01,Closed with explanation,Yes,No,CR2230153,92
2016-11-30,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-12-01,Closed with explanation,Yes,No,CR2228795,1794
2016-11-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-12-01,Closed with explanation,Yes,Yes,CR2229422,3775
2016-11-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-11-30,Closed with monetary relief,Yes,No,CR2229428,3010
2016-11-30,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-11-30,Closed with explanation,Yes,No,CR2230594,1283
2016-11-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-11-30,Closed with explanation,Yes,No,CR2230614,1419
2016-11-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-12-01,Closed with monetary relief,Yes,No,CR2230617,2412
2016-11-29,Credit card,,Late fee,,,,N/A,Referral,2016-11-29,Closed with monetary relief,Yes,No,CR2228571,4355
2016-11-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-11-29,Closed with explanation,Yes,No,CR2225058,4376
2016-11-29,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-11-29,Closed with explanation,Yes,Yes,CR2227548,2881
2016-11-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-11-29,Closed with explanation,Yes,No,CR2228404,3285
2016-11-28,Credit card,,Transaction issue,,,,N/A,Referral,2016-11-29,Closed with monetary relief,Yes,No,CR2224919,298
2016-11-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-11-29,Closed with monetary relief,Yes,No,CR2226436,4143
2016-11-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-11-29,Closed with explanation,Yes,No,CR2225445,3241
2016-11-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-11-29,Closed with monetary relief,Yes,Yes,CR2224613,10077
2016-11-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-11-29,Closed with explanation,Yes,No,CR2226293,4330
2016-11-25,Credit card,,Rewards,,,Older American,N/A,Referral,2016-11-28,Closed with explanation,Yes,No,CR2223822,1277
2016-11-23,Credit card,,Billing disputes,,,Older American,N/A,Referral,2016-11-28,Closed with explanation,Yes,No,CR2221525,2901
2016-11-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-11-28,Closed with explanation,Yes,No,CR2221753,13151
2016-11-23,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-11-28,Closed with explanation,Yes,Yes,CR2222341,138
2016-11-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-11-28,Closed with explanation,Yes,No,CR2222495,7166
2016-11-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Referral,2016-11-28,Closed with explanation,Yes,No,CR2222431,902
2016-11-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-11-22,Closed with explanation,Yes,No,CR2219746,12810
2016-11-22,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-11-22,Closed with explanation,Yes,Yes,CR2217538,1145
2016-11-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-11-23,Closed with monetary relief,Yes,No,CR2219162,1311
2016-11-21,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Referral,2016-11-22,Closed with non-monetary relief,Yes,No,CR2217146,230
2016-11-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-11-22,Closed with monetary relief,Yes,No,CR2218601,2594
2016-11-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-11-22,Closed with monetary relief,Yes,No,CR2217875,2268
2016-11-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-11-22,Closed with explanation,Yes,No,CR2217361,2169
2016-11-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-11-22,Closed with monetary relief,Yes,No,CR2216919,2093
2016-11-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-11-21,Closed with explanation,Yes,No,CR2217369,3589
2016-11-18,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-11-21,Closed with explanation,Yes,No,CR2215463,12729
2016-11-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-11-18,Closed with monetary relief,Yes,No,CR2214736,5402
2016-11-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-11-18,Closed with explanation,Yes,No,CR2215254,2362
2016-11-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-11-18,Closed with monetary relief,Yes,No,CR2215482,2961
2016-11-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-11-18,Closed with explanation,Yes,No,CR2215588,7100
2016-11-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-11-18,Closed with explanation,Yes,No,CR2214373,1351
2016-11-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-11-17,Closed with explanation,Yes,No,CR2211518,979
2016-11-16,Credit card,,Other fee,,,,N/A,Referral,2016-11-18,Closed with monetary relief,Yes,No,CR2210372,4411
2016-11-16,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-11-17,Closed with explanation,Yes,No,CR2211861,9
2016-11-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-11-17,Closed with explanation,Yes,No,CR2210376,1756
2016-11-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-11-16,Closed with monetary relief,Yes,No,CR2209700,2582
2016-11-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-11-16,Closed with explanation,Yes,No,CR2211095,3788
2016-11-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-11-16,Closed with explanation,Yes,No,CR2209541,4697
2016-11-14,Credit card,,Other fee,,,,N/A,Referral,2016-11-15,Closed with monetary relief,Yes,No,CR2206735,5325
2016-11-14,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-11-15,Closed with explanation,Yes,No,CR2206992,10043
2016-11-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-11-15,Closed with explanation,Yes,No,CR2207880,370
2016-11-14,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Referral,2016-11-15,Closed with explanation,Yes,No,CR2208023,734
2016-11-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-11-15,Closed with explanation,Yes,No,CR2208345,1806
2016-11-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-11-15,Closed with explanation,Yes,No,CR2206285,2351
2016-11-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-11-15,Closed with explanation,Yes,No,CR2205699,3735
2016-11-10,Credit card,,Billing disputes,,,,N/A,Referral,2016-11-14,Closed with explanation,Yes,No,CR2204037,1246
2016-11-10,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-11-14,Closed with explanation,Yes,No,CR2203527,2739
2016-11-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-11-14,Closed with explanation,Yes,No,CR2204297,4134
2016-11-10,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-11-10,Closed with explanation,Yes,No,CR2202932,355
2016-11-09,Credit card,,Billing disputes,,,,N/A,Referral,2016-11-10,Closed with explanation,Yes,No,CR2202958,3648
2016-11-09,Credit card,,Billing disputes,,,,N/A,Referral,2016-11-10,Closed with explanation,Yes,No,CR2201494,876
2016-11-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-11-10,Closed with monetary relief,Yes,Yes,CR2202798,3298
2016-11-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-11-10,Closed with non-monetary relief,Yes,No,CR2202493,2671
2016-11-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-11-10,Closed with monetary relief,Yes,No,CR2202977,4070
2016-11-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-11-09,Closed with explanation,Yes,Yes,CR2199893,2419
2016-11-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-11-09,Closed with non-monetary relief,Yes,No,CR2200016,3734
2016-11-07,Credit card,,APR or interest rate,,,,N/A,Referral,2016-11-08,Closed with explanation,Yes,Yes,CR2198678,3498
2016-11-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-11-08,Closed with explanation,Yes,Yes,CR2198651,1846
2016-11-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-11-08,Closed with monetary relief,Yes,No,CR2198423,1981
2016-11-07,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2016-11-09,Closed with explanation,Yes,No,CR2197934,2561
2016-11-04,Credit card,,Other,,,,N/A,Referral,2016-11-08,Closed with explanation,Yes,No,CR2195588,2210
2016-11-04,Credit card,,Billing disputes,,,,N/A,Referral,2016-11-08,Closed with explanation,Yes,No,CR2196649,1949
2016-11-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-11-08,Closed with explanation,Yes,No,CR2196427,2352
2016-11-03,Credit card,,Credit determination,,,,N/A,Referral,2016-11-04,Closed with explanation,Yes,No,CR2193490,3517
2016-11-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-11-07,Closed with explanation,Yes,Yes,CR2192768,1011
2016-11-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-11-07,Closed with explanation,Yes,Yes,CR2193144,12599
2016-11-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-11-07,Closed with monetary relief,Yes,No,CR2192498,3993
2016-11-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-11-07,Closed with explanation,Yes,No,CR2194432,707
2016-11-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-11-07,Closed with monetary relief,Yes,No,CR2193271,2214
2016-11-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-11-04,Closed with monetary relief,Yes,No,CR2194555,2546
2016-11-03,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-11-07,Closed with explanation,Yes,No,CR2194250,847
2016-11-02,Credit card,,Unsolicited issuance of credit card,,,,N/A,Referral,2016-11-03,Closed with non-monetary relief,Yes,Yes,CR2190464,2057
2016-11-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-11-03,Closed with monetary relief,Yes,No,CR2191403,4321
2016-11-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-11-03,Closed with explanation,Yes,No,CR2190923,704
2016-11-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-11-03,Closed with non-monetary relief,Yes,No,CR2191571,808
2016-11-02,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-11-03,Closed with monetary relief,Yes,No,CR2192064,2182
2016-11-02,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-11-03,Closed with explanation,Yes,No,CR2191479,619
2016-11-02,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-11-03,Closed with explanation,Yes,No,CR2191168,9174
2016-11-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-11-03,Closed with explanation,Yes,No,CR2190315,404
2016-11-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-11-03,Closed with explanation,Yes,No,CR2191893,4682
2016-11-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-11-03,Closed with monetary relief,Yes,No,CR2190558,1713
2016-11-01,Credit card,,Overlimit fee,,,,N/A,Referral,2016-11-02,Closed with explanation,Yes,No,CR2188267,13447
2016-11-01,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2016-11-02,Closed with monetary relief,Yes,No,CR2189682,1807
2016-11-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-11-02,Closed with explanation,Yes,No,CR2189822,4710
2016-11-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-11-02,Closed with explanation,Yes,No,CR2189211,692
2016-10-31,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-11-02,Closed with explanation,Yes,No,CR2188198,1397
2016-10-31,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-11-01,Closed with monetary relief,Yes,No,CR2187654,272
2016-10-29,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-11-01,Closed with explanation,Yes,No,CR2183446,4133
2016-10-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-11-01,Closed with explanation,Yes,No,CR2183451,3042
2016-10-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-11-01,Closed with non-monetary relief,Yes,No,CR2184486,64
2016-10-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-11-01,Closed with explanation,Yes,No,CR2184515,2216
2016-10-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-11-01,Closed with monetary relief,Yes,No,CR2184779,1170
2016-10-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-10-31,Closed with explanation,Yes,Yes,CR2181902,687
2016-10-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-11-01,Closed with monetary relief,Yes,No,CR2179240,3278
2016-10-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-10-28,Closed with explanation,Yes,No,CR2180748,4259
2016-10-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-10-28,Closed with monetary relief,Yes,No,CR2180760,948
2016-10-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-28,Closed with monetary relief,Yes,No,CR2180650,534
2016-10-26,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-10-28,Closed with monetary relief,Yes,No,CR2180326,3577
2016-10-25,Credit card,,Other,,,,N/A,Referral,2016-10-27,Closed with explanation,Yes,No,CR2177488,4054
2016-10-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-10-27,Closed with explanation,Yes,No,CR2177315,6367
2016-10-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-27,Closed with explanation,Yes,Yes,CR2176757,10662
2016-10-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-10-27,Closed with explanation,Yes,Yes,CR2178909,2996
2016-10-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-10-27,Closed with explanation,Yes,No,CR2178731,3796
2016-10-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-27,Closed with explanation,Yes,No,CR2177083,1339
2016-10-25,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Referral,2016-10-27,Closed with explanation,Yes,No,CR2177049,12095
2016-10-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-10-27,Closed with explanation,Yes,No,CR2178404,2074
2016-10-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-26,Closed with explanation,Yes,Yes,CR2174687,3952
2016-10-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-10-26,Closed with explanation,Yes,No,CR2174324,1774
2016-10-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-26,Closed with monetary relief,Yes,No,CR2175903,2136
2016-10-21,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-25,Closed with monetary relief,Yes,Yes,CR2171865,4531
2016-10-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-24,Closed with explanation,Yes,Yes,CR2171794,3455
2016-10-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-25,Closed with explanation,Yes,No,CR2172689,11637
2016-10-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-10-25,Closed with monetary relief,Yes,No,CR2170191,996
2016-10-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-10-25,Closed with explanation,Yes,No,CR2173562,1817
2016-10-21,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-10-25,Closed with explanation,Yes,No,CR2171584,627
2016-10-21,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-10-25,Closed with monetary relief,Yes,No,CR2173568,2148
2016-10-20,Credit card,,Billing disputes,,,,N/A,Referral,2016-10-24,Closed with monetary relief,Yes,No,CR2171442,949
2016-10-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-10-24,Closed with monetary relief,Yes,No,CR2172139,2294
2016-10-19,Credit card,,Billing disputes,,,Older American,N/A,Referral,2016-10-22,Closed with explanation,Yes,No,CR2167754,3139
2016-10-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-10-22,Closed with explanation,Yes,No,CR2167509,3425
2016-10-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-10-21,Closed with non-monetary relief,Yes,No,CR2167841,2080
2016-10-19,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-10-21,Closed with monetary relief,Yes,No,CR2167984,718
2016-10-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-21,Closed with monetary relief,Yes,No,CR2168977,4404
2016-10-19,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2016-10-22,Closed with explanation,Yes,No,CR2167701,4606
2016-10-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-10-22,Closed with explanation,Yes,No,CR2167564,4742
2016-10-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-10-21,Closed with monetary relief,Yes,Yes,CR2166218,3704
2016-10-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-10-21,Closed with explanation,Yes,Yes,CR2165846,3774
2016-10-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-21,Closed with explanation,Yes,No,CR2165883,1533
2016-10-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-10-21,Closed with explanation,Yes,No,CR2166753,2677
2016-10-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-10-21,Closed with explanation,Yes,No,CR2165386,3293
2016-10-18,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-10-21,Closed with explanation,Yes,No,CR2165599,4076
2016-10-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-10-20,Closed with explanation,Yes,No,CR2167010,5858
2016-10-17,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-10-19,Closed with monetary relief,Yes,No,CR2163087,603
2016-10-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-19,Closed with monetary relief,Yes,No,CR2164923,1142
2016-10-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-10-19,Closed with explanation,Yes,No,CR2163418,5128
2016-10-14,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-10-18,Closed with monetary relief,Yes,No,CR2161615,3536
2016-10-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-10-18,Closed with explanation,Yes,Yes,CR2161778,3450
2016-10-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-10-18,Closed with explanation,Yes,No,CR2160582,1058
2016-10-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-10-17,Closed with explanation,Yes,No,CR2159971,1284
2016-10-13,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2016-10-17,Closed with explanation,Yes,No,CR2159133,12133
2016-10-11,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2016-10-14,Closed with monetary relief,Yes,No,CR2154251,3360
2016-10-11,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-10-14,Closed with explanation,Yes,No,CR2155360,145
2016-10-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-10-14,Closed with explanation,Yes,Yes,CR2154790,1818
2016-10-11,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-13,Closed with explanation,Yes,No,CR2155196,2203
2016-10-11,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-10-14,Closed with explanation,Yes,No,CR2154246,4219
2016-10-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-10-14,Closed with explanation,Yes,No,CR2155168,4254
2016-10-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-10-14,Closed with non-monetary relief,No,No,CR2153928,4337
2016-10-07,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-10-12,Closed with monetary relief,Yes,No,CR2150754,3445
2016-10-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-10-13,Closed with explanation,Yes,No,CR2152067,2426
2016-10-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-12,Closed with explanation,Yes,No,CR2151053,4812
2016-10-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-13,Closed with non-monetary relief,Yes,No,CR2151280,2367
2016-10-06,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-10-12,Closed with explanation,Yes,No,CR2149319,3131
2016-10-06,Credit card,,Rewards,,,,N/A,Referral,2016-10-11,Closed with explanation,Yes,No,CR2150245,976
2016-10-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-10-12,Closed with explanation,Yes,No,CR2148758,2739
2016-10-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-12,Closed with explanation,Yes,No,CR2150100,411
2016-10-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-12,Closed with explanation,Yes,No,CR2149676,6922
2016-10-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-11,Closed with explanation,Yes,No,CR2149949,1395
2016-10-06,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-10-12,Closed with explanation,Yes,No,CR2150469,4796
2016-10-05,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2016-10-11,Closed with explanation,Yes,No,CR2148375,419
2016-10-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-10-11,Closed with explanation,Yes,No,CR2147272,2663
2016-10-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-10-07,Closed with explanation,Yes,No,CR2147400,3293
2016-10-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-10-07,Closed with explanation,Yes,No,CR2147428,4448
2016-10-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-10-07,Closed with explanation,Yes,No,CR2147117,3944
2016-10-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-10-11,Closed with explanation,Yes,No,CR2147971,1831
2016-10-04,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-10-07,Closed with explanation,Yes,No,CR2145439,3482
2016-10-04,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2016-10-07,Closed with explanation,Yes,No,CR2145113,2378
2016-10-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-10-07,Closed with explanation,Yes,No,CR2146073,721
2016-10-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-10-07,Closed with monetary relief,Yes,No,CR2144820,4928
2016-10-03,Credit card,,Other fee,,,,N/A,Referral,2016-10-05,Closed with monetary relief,Yes,No,CR2142019,974
2016-10-03,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-10-05,Closed with explanation,Yes,No,CR2143240,4243
2016-10-03,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-10-05,Closed with explanation,Yes,No,CR2142036,3657
2016-10-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-05,Closed with explanation,Yes,No,CR2140482,880
2016-10-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-10-06,Closed with explanation,Yes,No,CR2144314,4464
2016-10-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-10-05,Closed with explanation,Yes,Yes,CR2142666,1257
2016-10-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-10-05,Closed with explanation,Yes,No,CR2143166,571
2016-10-03,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Referral,2016-10-06,Closed with explanation,Yes,No,CR2143893,3829
2016-10-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-10-06,Closed with monetary relief,Yes,No,CR2144077,2727
2016-09-30,Credit card,,Billing disputes,,,,N/A,Referral,2016-10-04,Closed with explanation,Yes,No,CR2142777,898
2016-09-30,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2016-10-04,Closed with explanation,Yes,No,CR2140240,3316
2016-09-29,Credit card,,Other fee,,,,N/A,Referral,2016-10-03,Closed with explanation,Yes,No,CR2139414,3429
2016-09-29,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-10-03,Closed with explanation,Yes,Yes,CR2138166,3600
2016-09-29,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-10-03,Closed with explanation,Yes,No,CR2139744,3286
2016-09-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-10-03,Closed with explanation,Yes,No,CR2138669,1112
2016-09-29,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-10-03,Closed with explanation,Yes,No,CR2138156,4583
2016-09-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-10-04,Closed with monetary relief,Yes,No,CR2137942,2141
2016-09-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-10-04,Closed with explanation,Yes,No,CR2139518,930
2016-09-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-09-30,Closed with explanation,Yes,No,CR2137225,2436
2016-09-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-09-30,Closed with monetary relief,Yes,No,CR2135550,570
2016-09-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-09-30,Closed with non-monetary relief,Yes,No,CR2135368,4527
2016-09-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-10-05,Closed with non-monetary relief,Yes,No,CR2137136,2104
2016-09-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-09-30,Closed with explanation,Yes,No,CR2136046,8568
2016-09-27,Credit card,,Billing disputes,,,,N/A,Referral,2016-09-29,Closed,Yes,No,CR2135176,3427
2016-09-27,Credit card,,Other,,,,N/A,Referral,2016-09-30,Closed with explanation,Yes,No,CR2134258,3088
2016-09-27,Credit card,,Payoff process,,,,N/A,Referral,2016-09-29,Closed with explanation,Yes,No,CR2133774,2870
2016-09-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-09-30,Closed with monetary relief,Yes,No,CR2134950,12
2016-09-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-09-30,Closed with monetary relief,Yes,No,CR2133312,1704
2016-09-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-09-29,Closed with explanation,Yes,No,CR2134007,2311
2016-09-26,Credit card,,Billing disputes,,,,N/A,Referral,2016-09-28,Closed with explanation,Yes,No,CR2131423,1474
2016-09-26,Credit card,,Billing disputes,,,,N/A,Referral,2016-09-28,Closed with monetary relief,Yes,No,CR2130819,1619
2016-09-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-09-29,Closed with explanation,Yes,No,CR2132457,514
2016-09-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-09-28,Closed with explanation,Yes,No,CR2132336,2176
2016-09-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-09-28,Closed with explanation,Yes,No,CR2130857,2259
2016-09-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-09-27,Closed with explanation,Yes,No,CR2130149,744
2016-09-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-09-27,Closed with explanation,Yes,No,CR2129780,1066
2016-09-23,Credit card,,Late fee,,,,N/A,Referral,2016-09-27,Closed with explanation,Yes,No,CR2129641,2953
2016-09-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-09-27,Closed with monetary relief,Yes,No,CR2128372,798
2016-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-09-27,Closed with monetary relief,Yes,No,CR2127727,4422
2016-09-23,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2016-09-27,Closed with explanation,Yes,No,CR2128405,1772
2016-09-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-09-27,Closed with non-monetary relief,Yes,No,CR2128800,1908
2016-09-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-09-27,Closed with explanation,Yes,No,CR2127935,2549
2016-09-22,Credit card,,Other,,,,N/A,Referral,2016-09-26,Closed with non-monetary relief,Yes,No,CR2126751,1097
2016-09-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-09-23,Closed with monetary relief,Yes,No,CR2126612,827
2016-09-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-09-26,Closed with explanation,Yes,No,CR2125611,3498
2016-09-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-09-26,Closed with monetary relief,Yes,No,CR2126212,240
2016-09-21,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2016-09-23,Closed with explanation,Yes,Yes,CR2124499,7299
2016-09-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-09-22,Closed with monetary relief,Yes,No,CR2124628,2358
2016-09-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-09-22,Closed with monetary relief,Yes,No,CR2124715,4092
2016-09-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-09-23,Closed with explanation,Yes,No,CR2125273,1840
2016-09-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-09-22,Closed with explanation,Yes,No,CR2123376,3460
2016-09-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-09-23,Closed with monetary relief,Yes,No,CR2123314,3621
2016-09-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-09-22,Closed with explanation,Yes,No,CR2124398,2760
2016-09-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-09-21,Closed with explanation,Yes,Yes,CR2121754,3260
2016-09-19,Credit card,,Balance transfer,,,,N/A,Referral,2016-09-21,Closed with explanation,Yes,No,CR2120105,2322
2016-09-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-09-20,Closed with explanation,Yes,Yes,CR2118665,4341
2016-09-19,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-09-21,Closed with explanation,Yes,No,CR2120120,11114
2016-09-19,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-09-21,Closed with explanation,Yes,No,CR2119234,8636
2016-09-19,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-09-20,Closed with explanation,Yes,No,CR2120127,399
2016-09-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-09-20,Closed with explanation,Yes,No,CR2120056,3476
2016-09-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-09-21,Closed with explanation,Yes,No,CR2118453,157
2016-09-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-09-20,Closed with explanation,Yes,Yes,CR2116820,4309
2016-09-15,Credit card,,APR or interest rate,,,,N/A,Referral,2016-09-19,Closed with explanation,Yes,No,CR2114751,1176
2016-09-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-09-19,Closed with explanation,Yes,Yes,CR2114409,9616
2016-09-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-09-19,Closed with explanation,Yes,No,CR2114146,881
2016-09-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-09-20,Closed with monetary relief,Yes,No,CR2114427,1371
2016-09-15,Bank account or service,Checking account,Using a debit or ATM card,,,"Older American, Servicemember",N/A,Referral,2016-09-20,Closed with explanation,Yes,No,CR2113870,10510
2016-09-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-09-20,Closed with explanation,Yes,No,CR2114983,4012
2016-09-14,Credit card,,Billing disputes,,,,N/A,Referral,2016-09-20,Closed with explanation,Yes,Yes,CR2112298,3764
2016-09-14,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-09-16,Closed with monetary relief,Yes,No,CR2112612,615
2016-09-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-09-16,Closed with explanation,Yes,Yes,CR2110902,939
2016-09-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-09-19,Closed with explanation,Yes,No,CR2111288,32
2016-09-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-09-16,Closed with explanation,Yes,No,CR2112276,3943
2016-09-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-09-15,Closed with monetary relief,Yes,No,CR2110446,2519
2016-09-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-09-16,Closed with monetary relief,Yes,No,CR2108917,4218
2016-09-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-09-16,Closed with monetary relief,Yes,No,CR2109277,184
2016-09-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-09-15,Closed with monetary relief,Yes,No,CR2109833,12890
2016-09-12,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2016-09-14,Closed with explanation,Yes,Yes,CR2106318,9973
2016-09-12,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-09-15,Closed with explanation,Yes,Yes,CR2107908,3132
2016-09-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-09-14,Closed with explanation,Yes,Yes,CR2105902,5137
2016-09-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-09-14,Closed with monetary relief,Yes,No,CR2106068,2859
2016-09-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-12-05,Closed with explanation,Yes,Yes,CR2107146,103
2016-09-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-09-13,Closed with explanation,Yes,No,CR2102823,3397
2016-09-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Referral,2016-09-13,Closed with explanation,Yes,No,CR2104610,2731
2016-09-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-09-13,Closed with explanation,Yes,No,CR2103774,3752
2016-09-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-09-27,Closed with explanation,Yes,No,CR2102965,10095
2016-09-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-09-16,Closed with non-monetary relief,Yes,No,CR2104159,2520
2016-09-08,Credit card,,Other,,,,N/A,Referral,2016-09-13,Closed with explanation,Yes,No,CR2100669,2266
2016-09-08,Credit card,,Billing disputes,,,,N/A,Referral,2016-09-12,Closed with monetary relief,Yes,No,CR2101163,3404
2016-09-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-09-13,Closed with explanation,Yes,No,CR2102101,1162
2016-09-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-09-13,Closed with explanation,Yes,No,CR2101165,6978
2016-09-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-09-12,Closed with explanation,Yes,No,CR2101782,6175
2016-09-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-09-12,Closed with explanation,Yes,No,CR2101637,4531
2016-09-08,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-09-12,Closed with explanation,Yes,No,CR2101854,1808
2016-09-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-09-10,Closed with monetary relief,Yes,Yes,CR2100394,2528
2016-09-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-09-09,Closed with explanation,Yes,No,CR2100425,4048
2016-09-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-09-12,Closed with monetary relief,Yes,No,CR2099790,4189
2016-09-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-09-10,Closed with explanation,Yes,No,CR2098835,145
2016-09-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-09-10,Closed with explanation,Yes,No,CR2100387,533
2016-09-06,Credit card,,Other fee,,,,N/A,Referral,2016-09-09,Closed with monetary relief,Yes,No,CR2097501,4009
2016-09-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-09-09,Closed with explanation,Yes,No,CR2096456,2622
2016-09-06,Bank account or service,Other bank product/service,Using a debit or ATM card,,,Older American,N/A,Referral,2016-09-10,Closed with explanation,Yes,No,CR2097471,4196
2016-09-02,Credit card,,Payoff process,,,,N/A,Referral,2016-09-08,Closed with explanation,Yes,No,CR2094425,4285
2016-09-02,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Referral,2016-09-08,Closed with explanation,Yes,No,CR2094058,3888
2016-09-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-09-08,Closed with explanation,Yes,No,CR2093505,4807
2016-09-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-09-08,Closed with explanation,Yes,No,CR2093546,2642
2016-09-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-09-07,Closed with explanation,Yes,No,CR2091951,751
2016-09-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-09-07,Closed with explanation,Yes,No,CR2092731,59
2016-09-01,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-09-07,Closed with explanation,Yes,No,CR2091571,4816
2016-09-01,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-09-07,Closed with monetary relief,Yes,No,CR2091811,3114
2016-08-31,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-09-07,Closed with explanation,Yes,No,CR2089781,1768
2016-08-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-09-07,Closed with non-monetary relief,Yes,No,CR2090954,3025
2016-08-31,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2016-09-06,Closed with explanation,Yes,No,CR2089632,4803
2016-08-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-09-06,Closed with explanation,Yes,No,CR2089834,3315
2016-08-30,Credit card,,Billing disputes,,,,N/A,Referral,2016-09-02,Closed with explanation,Yes,No,CR2088948,2538
2016-08-30,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-09-01,Closed with non-monetary relief,Yes,No,CR2087304,1219
2016-08-30,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2016-09-01,Closed with explanation,Yes,No,CR2089028,2237
2016-08-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-09-02,Closed with explanation,Yes,Yes,CR2088434,4609
2016-08-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-09-02,Closed with explanation,Yes,No,CR2088299,4590
2016-08-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-09-01,Closed with explanation,Yes,No,CR2087386,3357
2016-08-30,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-09-01,Closed with explanation,Yes,No,CR2088042,1719
2016-08-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-09-02,Closed with explanation,Yes,No,CR2087152,166
2016-08-30,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-09-02,Closed with explanation,Yes,No,CR2087125,3549
2016-08-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-09-06,Closed with explanation,Yes,No,CR2088256,7366
2016-08-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-09-01,Closed with monetary relief,Yes,No,CR2088694,1900
2016-08-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-09-01,Closed with monetary relief,Yes,No,CR2089311,2208
2016-08-29,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2016-09-01,Closed with monetary relief,Yes,No,CR2086099,1733
2016-08-26,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-08-30,Closed with explanation,Yes,No,CR2083034,5249
2016-08-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-30,Closed with explanation,Yes,Yes,CR2083293,1119
2016-08-26,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-08-30,Closed with explanation,Yes,No,CR2083990,3662
2016-08-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-30,Closed with explanation,Yes,No,CR2083187,1417
2016-08-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-30,Closed with explanation,Yes,No,CR2083862,3851
2016-08-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-08-30,Closed with explanation,Yes,No,CR2082780,4260
2016-08-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-08-30,Closed with non-monetary relief,Yes,No,CR2083361,4585
2016-08-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-08-29,Closed with monetary relief,Yes,Yes,CR2080358,1710
2016-08-25,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-08-29,Closed with explanation,Yes,Yes,CR2082355,2960
2016-08-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-08-29,Closed with monetary relief,Yes,No,CR2079394,1311
2016-08-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-29,Closed with monetary relief,Yes,No,CR2080492,48
2016-08-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-08-29,Closed with explanation,Yes,No,CR2078778,1103
2016-08-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-08-26,Closed with explanation,Yes,No,CR2079931,5224
2016-08-23,Credit card,,Billing disputes,,,,N/A,Referral,2016-08-25,Closed with explanation,Yes,No,CR2074924,1423
2016-08-23,Credit card,,Advertising and marketing,,,,N/A,Referral,2016-08-25,Closed with monetary relief,Yes,No,CR2076940,2253
2016-08-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-26,Closed with monetary relief,Yes,No,CR2077374,11873
2016-08-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-25,Closed with explanation,Yes,No,CR2077114,3796
2016-08-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-25,Closed with explanation,Yes,No,CR2076929,166
2016-08-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-25,Closed with explanation,Yes,No,CR2077952,11275
2016-08-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-08-25,Closed with monetary relief,Yes,No,CR2077507,207
2016-08-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-08-24,Closed with explanation,Yes,Yes,CR2078381,3526
2016-08-22,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-08-24,Closed with explanation,Yes,No,CR2077500,4647
2016-08-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-23,Closed with explanation,Yes,No,CR2072288,745
2016-08-18,Credit card,,Balance transfer,,,,N/A,Referral,2016-08-19,Closed with explanation,Yes,No,CR2069770,4014
2016-08-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-08-22,Closed with explanation,Yes,Yes,CR2069691,12756
2016-08-18,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-08-22,Closed with explanation,Yes,Yes,CR2071026,3971
2016-08-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-08-22,Closed with explanation,Yes,No,CR2070684,4491
2016-08-18,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-08-22,Closed with explanation,Yes,No,CR2070534,1
2016-08-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-08-22,Closed with explanation,Yes,No,CR2070052,2812
2016-08-17,Credit card,,Payoff process,,,,N/A,Referral,2016-08-19,Closed with explanation,Yes,No,CR2068547,8510
2016-08-17,Credit card,,Credit determination,,,,N/A,Referral,2016-08-19,Closed with explanation,Yes,No,CR2068573,6544
2016-08-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Referral,2016-08-19,Closed with explanation,Yes,Yes,CR2068002,6015
2016-08-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-19,Closed with monetary relief,Yes,No,CR2068254,1778
2016-08-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-09-06,Closed with monetary relief,Yes,No,CR2067619,959
2016-08-16,Credit card,,Billing disputes,,,,N/A,Referral,2016-08-17,Closed with explanation,Yes,No,CR2067002,4400
2016-08-16,Credit card,,Other,,,,N/A,Referral,2016-08-18,Closed with monetary relief,Yes,No,CR2066079,2197
2016-08-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-08-18,Closed with monetary relief,Yes,No,CR2066453,2802
2016-08-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-08-18,Closed with explanation,Yes,No,CR2066425,2277
2016-08-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-08-17,Closed with explanation,Yes,No,CR2067110,1245
2016-08-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-08-18,Closed with monetary relief,Yes,No,CR2065207,8667
2016-08-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-08-30,Closed with explanation,Yes,No,CR2065285,4778
2016-08-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-08-17,Closed with monetary relief,Yes,No,CR2067105,1344
2016-08-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-18,Closed with explanation,Yes,No,CR2066082,3781
2016-08-12,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-08-16,Closed with explanation,Yes,Yes,CR2061181,4800
2016-08-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-15,Closed with explanation,Yes,Yes,CR2062070,4447
2016-08-12,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Referral,2016-08-16,Closed with non-monetary relief,Yes,No,CR2061327,2109
2016-08-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-08-16,Closed with explanation,Yes,No,CR2061782,2768
2016-08-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-15,Closed with explanation,Yes,No,CR2061199,3552
2016-08-11,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-08-15,Closed with explanation,Yes,Yes,CR2060277,2236
2016-08-11,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-15,Closed with explanation,Yes,Yes,CR2060437,2955
2016-08-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-08-15,Closed with monetary relief,Yes,No,CR2060088,12485
2016-08-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-08-15,Closed with monetary relief,Yes,No,CR2059818,1524
2016-08-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-08-15,Closed with explanation,Yes,No,CR2058959,3777
2016-08-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-08-15,Closed with monetary relief,Yes,No,CR2059980,809
2016-08-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-08-15,Closed with explanation,Yes,No,CR2058757,463
2016-08-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-08-12,Closed with explanation,Yes,No,CR2057667,4244
2016-08-10,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-08-12,Closed with explanation,Yes,No,CR2055708,5247
2016-08-09,Credit card,,Billing disputes,,,,N/A,Referral,2016-08-10,Closed with explanation,Yes,No,CR2054589,4186
2016-08-09,Credit card,,Unsolicited issuance of credit card,,,,N/A,Referral,2016-08-11,Closed with explanation,Yes,No,CR2052904,2271
2016-08-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-11,Closed with explanation,Yes,Yes,CR2053439,364
2016-08-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-08-10,Closed with explanation,Yes,Yes,CR2053681,11851
2016-08-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-08-12,Closed with explanation,Yes,No,CR2053507,1497
2016-08-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-08-11,Closed with monetary relief,Yes,No,CR2054788,4757
2016-08-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-08-10,Closed with monetary relief,Yes,No,CR2053063,2253
2016-08-08,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2016-08-10,Closed with explanation,Yes,No,CR2050487,2761
2016-08-08,Credit card,,Transaction issue,,,,N/A,Referral,2016-08-10,Closed with explanation,Yes,No,CR2051582,2156
2016-08-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-08-10,Closed with explanation,Yes,Yes,CR2051853,3377
2016-08-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-08-10,Closed with explanation,Yes,No,CR2050318,2594
2016-08-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-10,Closed with explanation,Yes,No,CR2051325,3980
2016-08-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-08-10,Closed with monetary relief,Yes,No,CR2051019,3204
2016-08-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-08-10,Closed with monetary relief,Yes,No,CR2051977,1418
2016-08-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-08-08,Closed with explanation,Yes,No,CR2049368,148
2016-08-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Referral,2016-08-08,Closed with explanation,Yes,No,CR2048506,3181
2016-08-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-08-08,Closed with explanation,Yes,No,CR2046068,3470
2016-08-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-08-08,Closed with explanation,Yes,Yes,CR2046517,1270
2016-08-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-08-08,Closed with explanation,Yes,Yes,CR2047464,4532
2016-08-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-08-08,Closed with explanation,Yes,No,CR2046522,2041
2016-08-04,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2016-08-08,Closed with monetary relief,Yes,No,CR2047500,965
2016-08-04,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-08-08,Closed with explanation,Yes,No,CR2047655,2420
2016-08-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-08-08,Closed with explanation,Yes,No,CR2046705,1196
2016-08-03,Credit card,,Other fee,,,,N/A,Referral,2016-08-05,Closed with explanation,Yes,No,CR2044951,2989
2016-08-03,Credit card,,Billing disputes,,,,N/A,Referral,2016-08-05,Closed with explanation,Yes,No,CR2045434,3579
2016-08-03,Credit card,,Other,,,,N/A,Referral,2016-08-05,Closed with monetary relief,Yes,No,CR2045219,3254
2016-08-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-08-05,Closed with explanation,Yes,Yes,CR2045228,1986
2016-08-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-08-05,Closed with explanation,Yes,No,CR2045105,3086
2016-08-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-08-05,Closed with explanation,Yes,No,CR2043384,1084
2016-07-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-08-03,Closed with explanation,Yes,Yes,CR2037118,1145
2016-07-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-08-02,Closed with monetary relief,Yes,No,CR2035702,12729
2016-07-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-08-02,Closed with explanation,Yes,No,CR2035841,3385
2016-07-28,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-07-29,Closed with monetary relief,Yes,Yes,CR2034312,1729
2016-07-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-02,Closed with explanation,Yes,No,CR2034783,2557
2016-07-28,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Referral,2016-08-30,Closed with explanation,Yes,No,CR2034501,10275
2016-07-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-08-01,Closed with explanation,Yes,No,CR2033656,18
2016-07-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-07-29,Closed with explanation,Yes,No,CR2033712,501
2016-07-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-07-29,Closed with explanation,Yes,No,CR2034111,10095
2016-07-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-07-29,Closed with explanation,Yes,No,CR2032801,11105
2016-07-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-29,Closed with explanation,Yes,No,CR2033218,3620
2016-07-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-01,Closed with explanation,Yes,No,CR2032097,5526
2016-07-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-08-01,Closed with explanation,Yes,No,CR2032921,6039
2016-07-27,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2016-08-01,Closed with monetary relief,Yes,No,CR2033580,4139
2016-07-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-07-29,Closed with explanation,Yes,No,CR2033052,4075
2016-07-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-01,Closed with monetary relief,Yes,No,CR2033105,2977
2016-07-26,Credit card,,APR or interest rate,,,,N/A,Referral,2016-07-28,Closed with explanation,Yes,No,CR2029947,11676
2016-07-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-08-02,Closed with explanation,Yes,Yes,CR2030571,12490
2016-07-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-29,Closed with explanation,Yes,Yes,CR2030206,198
2016-07-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-29,Closed with explanation,Yes,No,CR2029890,2074
2016-07-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-07-29,Closed with monetary relief,Yes,No,CR2030318,606
2016-07-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-07-28,Closed with explanation,Yes,No,CR2031119,3846
2016-07-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-26,Closed with explanation,Yes,Yes,CR2029315,5347
2016-07-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-07-27,Closed with explanation,Yes,No,CR2029442,7914
2016-07-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-07-28,Closed with explanation,Yes,No,CR2029303,2955
2016-07-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-07-27,Closed,Yes,No,CR2028947,4284
2016-07-22,Credit card,,Billing disputes,,,,N/A,Referral,2016-07-25,Closed with explanation,Yes,No,CR2026161,10095
2016-07-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-07-25,Closed with explanation,Yes,No,CR2026337,3512
2016-07-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-25,Closed with explanation,Yes,Yes,CR2025745,2378
2016-07-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-07-25,Closed with explanation,Yes,No,CR2025978,1020
2016-07-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-07-22,Closed with explanation,Yes,No,CR2025247,1885
2016-07-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-07-25,Closed with explanation,Yes,No,CR2026591,4623
2016-07-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-22,Closed with explanation,Yes,No,CR2024689,2136
2016-07-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-07-22,Closed with explanation,Yes,No,CR2023031,985
2016-07-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-07-22,Closed with explanation,Yes,No,CR2022742,321
2016-07-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-07-21,Closed with explanation,Yes,Yes,CR2022097,4124
2016-07-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-07-21,Closed with explanation,Yes,No,CR2021733,3532
2016-07-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-21,Closed with explanation,Yes,No,CR2020990,563
2016-07-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-07-21,Closed with explanation,Yes,No,CR2022241,5016
2016-07-19,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-07-19,Closed with monetary relief,Yes,No,CR2018955,4780
2016-07-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-07-19,Closed with explanation,Yes,No,CR2018398,3577
2016-07-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-21,Closed with explanation,Yes,No,CR2019153,683
2016-07-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-07-20,Closed with explanation,Yes,No,CR2020188,3753
2016-07-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-20,Closed with explanation,Yes,No,CR2018920,1943
2016-07-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-07-19,Closed with explanation,Yes,No,CR2017472,2878
2016-07-18,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2016-07-19,Closed with non-monetary relief,Yes,No,CR2017320,3140
2016-07-15,Credit card,,Billing disputes,,,,N/A,Referral,2016-07-18,Closed with monetary relief,Yes,No,CR2013996,2321
2016-07-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-07-18,Closed with explanation,Yes,No,CR2014880,1592
2016-07-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-07-18,Closed with monetary relief,Yes,No,CR2014499,3949
2016-07-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-07-16,Closed with explanation,Yes,No,CR2015071,1887
2016-07-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-07-18,Closed with monetary relief,Yes,No,CR2014539,504
2016-07-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-07-15,Closed with explanation,Yes,Yes,CR2012565,588
2016-07-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-07-15,Closed with explanation,Yes,No,CR2012002,3595
2016-07-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-07-18,Closed with explanation,Yes,No,CR2013465,5826
2016-07-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-07-15,Closed with monetary relief,Yes,No,CR2013524,1942
2016-07-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-07-18,Closed with explanation,Yes,No,CR2013437,3042
2016-07-13,Credit card,,Rewards,,,,N/A,Referral,2016-07-15,Closed with explanation,Yes,No,CR2010788,1768
2016-07-13,Credit card,,Other,,,,N/A,Referral,2016-07-14,Closed with explanation,Yes,No,CR2010495,4048
2016-07-13,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2016-07-15,Closed with explanation,Yes,No,CR2009661,3148
2016-07-13,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-07-14,Closed with explanation,Yes,Yes,CR2010075,3496
2016-07-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-14,Closed with explanation,Yes,No,CR2009866,2129
2016-07-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-07-15,Closed with explanation,Yes,No,CR2010409,2745
2016-07-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-15,Closed with explanation,Yes,No,CR2011115,4182
2016-07-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-07-15,Closed with explanation,Yes,No,CR2011035,1026
2016-07-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-14,Closed with monetary relief,Yes,No,CR2011325,3913
2016-07-13,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-07-17,Closed with monetary relief,Yes,No,CR2011421,3483
2016-07-12,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2016-07-13,Closed with explanation,Yes,No,CR2007712,2352
2016-07-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-18,Closed with monetary relief,Yes,No,CR2009532,1659
2016-07-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-07-13,Closed with monetary relief,Yes,No,CR2008965,1535
2016-07-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-07-12,Closed with explanation,Yes,Yes,CR2005762,2047
2016-07-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-07-12,Closed with monetary relief,Yes,No,CR2006710,691
2016-07-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-12,Closed with explanation,Yes,No,CR2005932,2992
2016-07-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-07-12,Closed with monetary relief,Yes,No,CR2006772,5171
2016-07-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-07-11,Closed with explanation,Yes,No,CR2003577,286
2016-07-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-07-11,Closed with explanation,Yes,No,CR2004208,2110
2016-07-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-11,Closed with explanation,Yes,No,CR2004611,5395
2016-07-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-07-08,Closed with explanation,Yes,Yes,CR2002872,396
2016-07-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-08,Closed with explanation,Yes,No,CR2001798,991
2016-07-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-07-11,Closed with explanation,Yes,No,CR2001556,1465
2016-07-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-07-08,Closed with explanation,Yes,No,CR2002023,4549
2016-07-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-08,Closed with explanation,Yes,No,CR2001882,3409
2016-07-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-07-07,Closed with explanation,Yes,No,CR2000559,1763
2016-07-05,Credit card,,Billing disputes,,,,N/A,Referral,2016-07-06,Closed with explanation,Yes,Yes,CR1996995,2504
2016-07-05,Credit card,,Billing disputes,,,,N/A,Referral,2016-07-06,Closed with monetary relief,Yes,No,CR1997978,2392
2016-07-02,Credit card,,Other,,,,N/A,Referral,2016-07-06,Closed with monetary relief,Yes,No,CR1996121,4785
2016-07-01,Credit card,,Late fee,,,,N/A,Referral,2016-07-05,Closed with explanation,Yes,No,CR1995524,3837
2016-07-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-07-05,Closed with explanation,Yes,No,CR1994599,1022
2016-06-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-07-01,Closed with explanation,Yes,No,CR1993863,4190
2016-06-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-07-01,Closed with monetary relief,Yes,No,CR1993593,9997
2016-06-30,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-07-01,Closed with monetary relief,Yes,No,CR1994309,5
2016-06-29,Credit card,,Other,,,,N/A,Referral,2016-06-30,Closed with explanation,Yes,No,CR1990077,1308
2016-06-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-06-30,Closed with explanation,Yes,No,CR1991260,1036
2016-06-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-06-30,Closed with explanation,Yes,No,CR1990060,3797
2016-06-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-06-30,Closed with monetary relief,Yes,No,CR1991320,2799
2016-06-28,Credit card,,Other fee,,,,N/A,Referral,2016-06-30,Closed with monetary relief,Yes,No,CR1988267,3188
2016-06-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-06-29,Closed with explanation,Yes,No,CR1988327,272
2016-06-27,Credit card,,Late fee,,,Older American,N/A,Referral,2016-06-29,Closed with explanation,Yes,No,CR1985733,8463
2016-06-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-06-28,Closed with monetary relief,Yes,No,CR1987470,1329
2016-06-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-06-28,Closed with explanation,Yes,No,CR1987677,4809
2016-06-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-06-29,Closed with non-monetary relief,Yes,No,CR1987239,3140
2016-06-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-06-29,Closed with explanation,Yes,No,CR1986748,1368
2016-06-24,Credit card,,Other,,,,N/A,Referral,2016-08-01,Closed,Yes,Yes,CR1983562,4720
2016-06-24,Credit card,,Other fee,,,,N/A,Referral,2016-06-28,Closed with monetary relief,Yes,No,CR1984262,3002
2016-06-24,Credit card,,Unsolicited issuance of credit card,,,,N/A,Referral,2016-06-28,Closed with monetary relief,Yes,No,CR1984151,3412
2016-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-06-28,Closed with explanation,Yes,No,CR1985037,2422
2016-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-06-28,Closed with explanation,Yes,No,CR1983457,3293
2016-06-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-06-27,Closed with explanation,Yes,No,CR1984419,9582
2016-06-23,Credit card,,Late fee,,,,N/A,Referral,2016-06-27,Closed with explanation,Yes,Yes,CR1981933,232
2016-06-23,Credit card,,Late fee,,,,N/A,Referral,2016-06-27,Closed with monetary relief,Yes,No,CR1983146,1107
2016-06-23,Credit card,,Billing disputes,,,,N/A,Referral,2016-06-27,Closed with explanation,Yes,No,CR1982687,4099
2016-06-23,Credit card,,Billing disputes,,,Older American,N/A,Referral,2016-08-06,Closed with monetary relief,Yes,No,CR1981515,1324
2016-06-23,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-06-24,Closed with explanation,Yes,No,CR1981708,3043
2016-06-23,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-06-27,Closed with explanation,Yes,No,CR1983047,1490
2016-06-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-06-27,Closed with explanation,Yes,No,CR1982288,7970
2016-06-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-06-24,Closed with monetary relief,Yes,No,CR1982872,486
2016-06-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-06-27,Closed,Yes,No,CR1982758,442
2016-06-22,Credit card,,Other,,,Older American,N/A,Referral,2016-06-23,Closed with explanation,Yes,No,CR1980647,4574
2016-06-22,Credit card,,Late fee,,,,N/A,Referral,2016-06-23,Closed with monetary relief,Yes,No,CR1980434,2290
2016-06-22,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2016-06-24,Closed with explanation,Yes,No,CR1979507,2830
2016-06-21,Credit card,,Billing disputes,,,,N/A,Referral,2016-06-22,Closed,Yes,No,CR1978641,818
2016-06-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-06-23,Closed with explanation,Yes,No,CR1978310,3943
2016-06-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-06-22,Closed with monetary relief,Yes,No,CR1978526,1417
2016-06-21,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-06-22,Closed with monetary relief,Yes,No,CR1977966,2054
2016-06-21,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-06-27,Closed with monetary relief,Yes,No,CR1977424,2139
2016-06-21,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-06-22,Closed with explanation,Yes,No,CR1979127,2947
2016-06-20,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2016-06-21,Closed with non-monetary relief,Yes,Yes,CR1976689,4202
2016-06-20,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2016-06-21,Closed with non-monetary relief,Yes,Yes,CR1977068,1939
2016-06-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-06-22,Closed with monetary relief,Yes,No,CR1976308,2869
2016-06-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-06-21,Closed with explanation,Yes,Yes,CR1975786,4817
2016-06-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-06-21,Closed with explanation,Yes,No,CR1976945,2393
2016-06-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-06-21,Closed with explanation,Yes,No,CR1976325,1589
2016-06-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-06-21,Closed with monetary relief,Yes,No,CR1974385,2116
2016-06-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-06-20,Closed with explanation,Yes,No,CR1973409,3144
2016-06-16,Credit card,,Billing disputes,,,,N/A,Referral,2016-06-20,Closed with monetary relief,Yes,No,CR1971491,12378
2016-06-16,Credit card,,Billing disputes,,,,N/A,Referral,2016-06-20,Closed with explanation,Yes,No,CR1973047,1901
2016-06-16,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-06-20,Closed with explanation,Yes,Yes,CR1972526,1593
2016-06-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-06-20,Closed with explanation,Yes,Yes,CR1972488,2329
2016-06-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-06-20,Closed with explanation,Yes,No,CR1972959,2760
2016-06-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-06-20,Closed with explanation,Yes,No,CR1972454,4451
2016-06-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-06-20,Closed with explanation,Yes,No,CR1972906,3079
2016-06-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-06-20,Closed with monetary relief,Yes,No,CR1971550,4250
2016-06-15,Credit card,,Closing/Cancelling account,,,Older American,N/A,Referral,2016-06-16,Closed with non-monetary relief,Yes,No,CR1970460,3285
2016-06-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-06-16,Closed with explanation,Yes,Yes,CR1969467,2506
2016-06-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-06-16,Closed with explanation,Yes,No,CR1969793,959
2016-06-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-06-17,Closed with monetary relief,Yes,No,CR1970631,513
2016-06-14,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-06-16,Closed with explanation,Yes,Yes,CR1967765,9680
2016-06-14,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-06-16,Closed with explanation,Yes,Yes,CR1968005,372
2016-06-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-06-18,Closed with non-monetary relief,Yes,No,CR1968180,1896
2016-06-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-06-16,Closed with explanation,Yes,No,CR1967563,3407
2016-06-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-06-16,Closed with explanation,Yes,No,CR1968798,4029
2016-06-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-06-14,Closed,Yes,Yes,CR1965407,10145
2016-06-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-06-15,Closed with explanation,Yes,No,CR1966684,2525
2016-06-13,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-06-15,Closed with explanation,Yes,No,CR1965565,95
2016-06-10,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-06-14,Closed with monetary relief,Yes,No,CR1964115,2233
2016-06-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-06-13,Closed with monetary relief,Yes,No,CR1964814,1571
2016-06-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-06-13,Closed with explanation,Yes,No,CR1964949,251
2016-06-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-06-14,Closed with explanation,Yes,No,CR1963117,1994
2016-06-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-06-14,Closed with explanation,Yes,No,CR1964779,551
2016-06-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-06-13,Closed with monetary relief,Yes,No,CR1964688,4053
2016-06-10,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-06-13,Closed with explanation,Yes,No,CR1965072,4372
2016-06-09,Credit card,,Payoff process,,,,N/A,Referral,2016-06-10,Closed with monetary relief,Yes,No,CR1962150,2694
2016-06-08,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2016-06-10,Closed with monetary relief,Yes,Yes,CR1960109,3696
2016-06-08,Credit card,,Credit determination,,,,N/A,Referral,2016-06-10,Closed with non-monetary relief,Yes,No,CR1959369,3121
2016-06-08,Credit card,,APR or interest rate,,,,N/A,Referral,2016-06-23,Closed with monetary relief,No,No,CR1959894,3836
2016-06-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-06-10,Closed with explanation,Yes,No,CR1960479,3253
2016-06-08,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-06-10,Closed with monetary relief,Yes,No,CR1959263,4655
2016-06-07,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-06-09,Closed with monetary relief,Yes,No,CR1957462,2715
2016-06-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-06-09,Closed with explanation,Yes,Yes,CR1957743,3904
2016-06-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-06-08,Closed with explanation,Yes,No,CR1958541,4556
2016-06-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-06-09,Closed with monetary relief,Yes,No,CR1958403,6196
2016-06-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-06-08,Closed with explanation,Yes,No,CR1955168,12643
2016-06-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-06-08,Closed with monetary relief,Yes,No,CR1955236,3480
2016-06-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-06-08,Closed with monetary relief,Yes,No,CR1955189,632
2016-06-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-06-08,Closed with explanation,Yes,No,CR1955602,2983
2016-06-03,Credit card,,Billing disputes,,,,N/A,Referral,2016-06-06,Closed with monetary relief,Yes,No,CR1954073,4117
2016-06-03,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-06-06,Closed with monetary relief,Yes,No,CR1954171,7772
2016-06-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-06-06,Closed with monetary relief,Yes,No,CR1953598,6301
2016-06-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-06-06,Closed with explanation,Yes,Yes,CR1952492,2108
2016-06-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-06-06,Closed with explanation,Yes,No,CR1950786,1757
2016-06-01,Credit card,,Billing disputes,,,,N/A,Referral,2016-06-03,Closed with explanation,Yes,Yes,CR1950352,676
2016-06-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-06-03,Closed with explanation,Yes,Yes,CR1949606,3644
2016-06-01,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2016-06-03,Closed with explanation,Yes,Yes,CR1949285,1825
2016-06-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-06-03,Closed with explanation,Yes,Yes,CR1949528,3435
2016-06-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-06-03,Closed with explanation,Yes,Yes,CR1948737,3069
2016-06-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-06-03,Closed with monetary relief,Yes,No,CR1949145,2586
2016-06-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-06-03,Closed with explanation,Yes,No,CR1950063,3661
2016-05-31,Credit card,,Balance transfer,,,Older American,N/A,Referral,2016-06-02,Closed with explanation,Yes,No,CR1948551,2828
2016-05-31,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-06-02,Closed with monetary relief,Yes,No,CR1947232,1501
2016-05-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-06-02,Closed with explanation,Yes,Yes,CR1948291,3617
2016-05-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-06-02,Closed with explanation,Yes,No,CR1948246,2691
2016-05-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-05-27,Closed with explanation,Yes,No,CR1945230,592
2016-05-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-06-01,Closed with monetary relief,Yes,No,CR1945013,3325
2016-05-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-06-02,Closed with explanation,Yes,No,CR1945645,4103
2016-05-26,Credit card,,Billing disputes,,,,N/A,Referral,2016-06-01,Closed with explanation,Yes,No,CR1943149,3365
2016-05-26,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2016-06-01,Closed with explanation,Yes,Yes,CR1943515,1198
2016-05-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-06-01,Closed with monetary relief,Yes,Yes,CR1942768,1062
2016-05-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-06-01,Closed with explanation,Yes,Yes,CR1944312,11359
2016-05-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-06-01,Closed with monetary relief,Yes,No,CR1944160,3545
2016-05-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-06-01,Closed with monetary relief,Yes,No,CR1943134,2535
2016-05-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-06-01,Closed with explanation,Yes,No,CR1942868,4633
2016-05-25,Credit card,,Billing disputes,,,,N/A,Referral,2016-05-26,Closed with explanation,Yes,No,CR1941155,2858
2016-05-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-31,Closed with explanation,Yes,Yes,CR1942306,2823
2016-05-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-31,Closed with explanation,Yes,Yes,CR1940578,11710
2016-05-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-05-26,Closed with monetary relief,Yes,No,CR1940617,3454
2016-05-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-06-01,Closed with explanation,Yes,No,CR1941149,2474
2016-05-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-06-01,Closed with explanation,Yes,No,CR1942399,2935
2016-05-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-06-02,Closed with monetary relief,Yes,No,CR1940644,10960
2016-05-25,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-31,Closed with monetary relief,Yes,No,CR1941456,1733
2016-05-24,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-05-31,Closed with explanation,Yes,No,CR1939085,4072
2016-05-24,Credit card,,Rewards,,,,N/A,Referral,2016-05-31,Closed with monetary relief,Yes,No,CR1938959,13620
2016-05-24,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Referral,2016-05-31,Closed with explanation,Yes,No,CR1938703,3671
2016-05-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-05-26,Closed with explanation,Yes,No,CR1938202,1800
2016-05-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-05-27,Closed with monetary relief,Yes,No,CR1937027,9250
2016-05-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-05-26,Closed with explanation,Yes,No,CR1936498,773
2016-05-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-05-25,Closed with explanation,Yes,Yes,CR1934867,4212
2016-05-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-05-25,Closed with monetary relief,Yes,No,CR1935216,5617
2016-05-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-05-25,Closed with explanation,Yes,No,CR1934844,940
2016-05-20,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-25,Closed with explanation,Yes,No,CR1934080,4580
2016-05-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-25,Closed with explanation,Yes,Yes,CR1933609,1594
2016-05-19,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Referral,2016-05-25,Closed with non-monetary relief,Yes,No,CR1933771,2295
2016-05-19,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2016-05-25,Closed with monetary relief,Yes,No,CR1933438,1775
2016-05-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-05-23,Closed with explanation,Yes,No,CR1930298,3501
2016-05-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-23,Closed with explanation,Yes,Yes,CR1930537,2515
2016-05-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-19,Closed with explanation,Yes,No,CR1931088,3927
2016-05-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-05-23,Closed with monetary relief,Yes,No,CR1931165,3516
2016-05-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-05-24,Closed with explanation,Yes,No,CR1931452,11
2016-05-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-05-18,Closed with explanation,Yes,No,CR1930841,4647
2016-05-17,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Referral,2016-05-20,Closed with explanation,Yes,Yes,CR1929079,2538
2016-05-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-05-20,Closed with monetary relief,Yes,No,CR1928187,1394
2016-05-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-23,Closed with explanation,Yes,No,CR1929303,147
2016-05-16,Credit card,,APR or interest rate,,,,N/A,Referral,2016-05-19,Closed with explanation,Yes,No,CR1926490,6551
2016-05-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-19,Closed with monetary relief,Yes,Yes,CR1925876,5217
2016-05-16,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-05-19,Closed with explanation,Yes,Yes,CR1927452,1964
2016-05-16,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-05-19,Closed with explanation,Yes,Yes,CR1926990,4773
2016-05-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-05-19,Closed with explanation,Yes,No,CR1926475,3466
2016-05-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-05-19,Closed with explanation,Yes,No,CR1925989,94
2016-05-12,Credit card,,APR or interest rate,,,,N/A,Referral,2016-05-17,Closed,Yes,Yes,CR1922434,1217
2016-05-12,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Referral,2016-05-17,Closed,Yes,No,CR1922407,2990
2016-05-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-17,Closed with non-monetary relief,Yes,No,CR1923191,3856
2016-05-11,Credit card,,Billing statement,,,,N/A,Referral,2016-05-16,Closed with explanation,Yes,Yes,CR1919690,4183
2016-05-11,Credit card,,Payoff process,,,,N/A,Referral,2016-05-13,Closed with explanation,Yes,Yes,CR1921595,4444
2016-05-11,Credit card,,Billing disputes,,,,N/A,Referral,2016-05-13,Closed with non-monetary relief,Yes,No,CR1921030,400
2016-05-11,Credit card,,APR or interest rate,,,,N/A,Referral,2016-05-13,Closed with explanation,Yes,No,CR1921303,1890
2016-05-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-05-16,Closed with explanation,Yes,Yes,CR1919894,4004
2016-05-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-05-13,Closed with non-monetary relief,Yes,No,CR1919730,2783
2016-05-11,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2016-05-13,Closed with explanation,Yes,No,CR1919601,4277
2016-05-11,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-16,Closed with monetary relief,Yes,No,CR1920270,845
2016-05-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-05-12,Closed with monetary relief,Yes,No,CR1917614,2519
2016-05-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-05-12,Closed with explanation,Yes,No,CR1917686,1744
2016-05-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-05-12,Closed with explanation,Yes,No,CR1919316,2163
2016-05-09,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Referral,2016-05-11,Closed with explanation,Yes,No,CR1915960,496
2016-05-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-11,Closed with monetary relief,Yes,No,CR1915332,12382
2016-05-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-11,Closed with explanation,Yes,No,CR1915494,3740
2016-05-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-05-10,Closed with non-monetary relief,Yes,No,CR1914045,4533
2016-05-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-11,Closed with explanation,Yes,No,CR1913602,11978
2016-05-05,Credit card,,Advertising and marketing,,,,N/A,Referral,2016-05-09,Closed with explanation,Yes,Yes,CR1911039,6317
2016-05-05,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-05-09,Closed with explanation,Yes,No,CR1912501,536
2016-05-05,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-05-09,Closed with explanation,Yes,No,CR1911275,3254
2016-05-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-10,Closed with explanation,Yes,No,CR1912000,3954
2016-05-05,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2016-05-09,Closed with monetary relief,Yes,No,CR1912021,9718
2016-05-05,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-05-09,Closed with monetary relief,Yes,No,CR1912121,4155
2016-05-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-05-09,Closed,Yes,No,CR1912890,1303
2016-05-04,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2016-05-06,Closed with explanation,Yes,Yes,CR1909947,170
2016-05-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-09,Closed with explanation,Yes,No,CR1909257,1961
2016-05-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-06,Closed with explanation,Yes,No,CR1910863,3153
2016-05-03,Credit card,,Billing disputes,,,Older American,N/A,Referral,2016-05-05,Closed with explanation,Yes,Yes,CR1908476,13673
2016-05-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-05-05,Closed with monetary relief,Yes,No,CR1907203,943
2016-05-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-06,Closed with explanation,Yes,No,CR1908267,3997
2016-05-03,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-05-05,Closed with explanation,Yes,No,CR1906882,849
2016-05-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-05-05,Closed with monetary relief,Yes,No,CR1907104,3186
2016-05-03,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Referral,2016-05-03,Closed with explanation,Yes,No,CR1907293,881
2016-05-02,Credit card,,APR or interest rate,,,,N/A,Referral,2016-05-04,Closed with explanation,Yes,No,CR1904805,1713
2016-05-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-05-04,Closed with explanation,Yes,Yes,CR1906295,4319
2016-05-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-05-04,Closed with explanation,Yes,No,CR1904918,394
2016-05-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-05-04,Closed with explanation,Yes,No,CR1906507,4606
2016-05-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-18,Closed with explanation,Yes,No,CR1904956,3847
2016-04-29,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Referral,2016-04-29,Closed with explanation,Yes,Yes,CR1903059,1173
2016-04-29,Credit card,,Cash advance,,,,N/A,Referral,2016-05-03,Closed with monetary relief,Yes,No,CR1902490,44
2016-04-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-05-03,Closed with explanation,Yes,Yes,CR1902797,838
2016-04-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Referral,2016-04-29,Closed with explanation,Yes,No,CR1902679,825
2016-04-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-05-03,Closed with explanation,Yes,No,CR1903068,2576
2016-04-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-05-03,Closed with monetary relief,Yes,No,CR1902985,1736
2016-04-29,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-05-03,Closed with explanation,Yes,No,CR1903837,11314
2016-04-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-05-03,Closed with monetary relief,Yes,No,CR1903481,4372
2016-04-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-05-03,Closed with explanation,Yes,No,CR1903675,7672
2016-04-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-05-03,Closed with monetary relief,Yes,No,CR1903471,129
2016-04-28,Credit card,,Transaction issue,,,,N/A,Referral,2016-05-02,Closed with explanation,Yes,No,CR1901455,687
2016-04-28,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-28,Closed with explanation,Yes,No,CR1902164,155
2016-04-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-05-02,Closed with monetary relief,Yes,No,CR1901123,3999
2016-04-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-29,Closed with explanation,Yes,No,CR1899392,10476
2016-04-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-04-29,Closed with explanation,Yes,No,CR1899281,2049
2016-04-27,Bank account or service,Savings account,Using a debit or ATM card,,,,N/A,Referral,2016-04-29,Closed with explanation,Yes,No,CR1900071,4398
2016-04-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-04-29,Closed with monetary relief,Yes,No,CR1898823,1040
2016-04-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-04-29,Closed with explanation,Yes,Yes,CR1898092,93
2016-04-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Referral,2016-04-28,Closed with explanation,Yes,Yes,CR1896977,3140
2016-04-26,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2016-04-28,Closed with monetary relief,Yes,No,CR1897698,4114
2016-04-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-28,Closed with monetary relief,Yes,No,CR1896872,811
2016-04-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-04-28,Closed with monetary relief,Yes,No,CR1897969,2841
2016-04-25,Credit card,,Other fee,,,,N/A,Referral,2016-04-28,Closed with monetary relief,Yes,No,CR1895245,4746
2016-04-25,Credit card,,Billing disputes,,,,N/A,Referral,2016-04-28,Closed with explanation,Yes,No,CR1894987,285
2016-04-25,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2016-04-28,Closed with explanation,Yes,No,CR1894123,4210
2016-04-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-04-26,Closed with explanation,Yes,Yes,CR1892935,1043
2016-04-22,Credit card,,Billing disputes,,,,N/A,Referral,2016-04-26,Closed with explanation,Yes,No,CR1892594,3037
2016-04-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-04-26,Closed with monetary relief,Yes,No,CR1892125,4176
2016-04-22,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Referral,2016-04-27,Closed with explanation,Yes,No,CR1892541,445
2016-04-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-26,Closed with explanation,Yes,No,CR1893115,2842
2016-04-21,Credit card,,Billing disputes,,,,N/A,Referral,2016-04-27,Closed with explanation,Yes,Yes,CR1890055,9914
2016-04-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-04-25,Closed with monetary relief,Yes,Yes,CR1890928,649
2016-04-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-25,Closed with monetary relief,Yes,No,CR1889962,84
2016-04-21,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-04-25,Closed with monetary relief,Yes,No,CR1891360,2153
2016-04-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-21,Closed with explanation,Yes,No,CR1890391,4034
2016-04-21,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-04-26,Closed with monetary relief,Yes,No,CR1890393,2650
2016-04-20,Credit card,,Billing disputes,,,,N/A,Referral,2016-04-20,Closed with monetary relief,Yes,No,CR1888108,4161
2016-04-20,Credit card,,Billing disputes,,,,N/A,Referral,2016-04-22,Closed with monetary relief,Yes,No,CR1889620,908
2016-04-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-04-22,Closed with explanation,Yes,No,CR1887767,2086
2016-04-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-22,Closed with non-monetary relief,Yes,Yes,CR1889510,4032
2016-04-20,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-04-25,Closed with explanation,Yes,Yes,CR1888928,2718
2016-04-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-04-22,Closed with explanation,Yes,No,CR1889741,8089
2016-04-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-05-04,Closed with explanation,Yes,No,CR1887811,2791
2016-04-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-04-20,Closed with non-monetary relief,Yes,No,CR1888538,68
2016-04-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-21,Closed with explanation,Yes,No,CR1887072,1490
2016-04-19,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2016-04-21,Closed with monetary relief,Yes,No,CR1885828,2907
2016-04-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-04-21,Closed with monetary relief,Yes,No,CR1887605,3907
2016-04-18,Credit card,,Payoff process,,,,N/A,Referral,2016-04-20,Closed with explanation,Yes,No,CR1884726,1901
2016-04-18,Credit card,,Late fee,,,,N/A,Referral,2016-04-20,Closed with monetary relief,Yes,No,CR1885201,1173
2016-04-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-20,Closed with explanation,Yes,No,CR1884201,2933
2016-04-18,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-04-20,Closed with explanation,Yes,No,CR1884379,3082
2016-04-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-04-20,Closed with monetary relief,Yes,No,CR1885436,2370
2016-04-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-04-20,Closed with explanation,Yes,No,CR1883982,3219
2016-04-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-04-20,Closed with explanation,Yes,No,CR1884888,5013
2016-04-15,Credit card,,Credit determination,,,,N/A,Referral,2016-04-19,Closed with explanation,Yes,No,CR1881484,286
2016-04-15,Credit card,,Other fee,,,,N/A,Referral,2016-04-19,Closed with monetary relief,Yes,No,CR1882166,3219
2016-04-15,Credit card,,Payoff process,,,,N/A,Referral,2016-04-19,Closed with non-monetary relief,Yes,No,CR1881103,107
2016-04-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-04-18,Closed with monetary relief,Yes,No,CR1881557,3027
2016-04-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-19,Closed with explanation,Yes,No,CR1882924,3766
2016-04-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-19,Closed with monetary relief,Yes,No,CR1882074,1356
2016-04-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-04-19,Closed with explanation,Yes,No,CR1882958,2945
2016-04-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-19,Closed with non-monetary relief,Yes,No,CR1881204,10046
2016-04-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-18,Closed with explanation,Yes,Yes,CR1882694,180
2016-04-14,Credit card,,Other,,,,N/A,Referral,2016-04-14,Closed with explanation,Yes,No,CR1880970,452
2016-04-14,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-04-18,Closed with explanation,Yes,No,CR1879763,2123
2016-04-13,Credit card,,Transaction issue,,,,N/A,Referral,2016-04-15,Closed with monetary relief,Yes,No,CR1877085,618
2016-04-13,Credit card,,Other fee,,,,N/A,Referral,2016-04-15,Closed with explanation,Yes,No,CR1878156,204
2016-04-12,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-04-18,Closed with monetary relief,Yes,No,CR1875993,3701
2016-04-12,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-04-14,Closed with monetary relief,Yes,Yes,CR1876683,1332
2016-04-12,Credit card,,Other,,,,N/A,Referral,2016-04-14,Closed with non-monetary relief,Yes,Yes,CR1874924,1157
2016-04-12,Credit card,,Transaction issue,,,,N/A,Referral,2016-04-13,Closed with monetary relief,Yes,No,CR1874914,3651
2016-04-12,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2016-04-13,Closed with explanation,Yes,No,CR1876369,436
2016-04-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-04-13,Closed with explanation,Yes,No,CR1873610,884
2016-04-07,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-04-12,Closed with explanation,Yes,No,CR1869185,4799
2016-04-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-08,Closed with explanation,Yes,No,CR1868214,4597
2016-04-07,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-04-11,Closed with explanation,Yes,No,CR1869194,2182
2016-04-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-11,Closed with monetary relief,Yes,No,CR1868652,1867
2016-04-07,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-04-11,Closed with explanation,Yes,No,CR1868252,2788
2016-04-06,Credit card,,Late fee,,,,N/A,Referral,2016-04-07,Closed with explanation,Yes,No,CR1867784,4081
2016-04-06,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-04-07,Closed with explanation,Yes,No,CR1867717,2331
2016-04-05,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-04-06,Closed with non-monetary relief,Yes,No,CR1865362,4431
2016-04-05,Credit card,,Late fee,,,,N/A,Referral,2016-04-07,Closed with monetary relief,Yes,No,CR1864884,1514
2016-04-05,Credit card,,Payoff process,,,,N/A,Referral,2016-04-06,Closed with explanation,Yes,Yes,CR1865395,9316
2016-04-05,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Referral,2016-04-06,Closed with monetary relief,Yes,No,CR1864159,137
2016-04-05,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Referral,2016-04-06,Closed with explanation,Yes,Yes,CR1865558,1126
2016-04-05,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2016-04-19,Closed with explanation,Yes,Yes,CR1865706,3297
2016-04-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-04-06,Closed with explanation,Yes,No,CR1863653,2813
2016-04-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-06,Closed with explanation,Yes,No,CR1863204,4449
2016-04-04,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Referral,2016-04-06,Closed with explanation,Yes,No,CR1862973,531
2016-04-01,Credit card,,Billing disputes,,,,N/A,Referral,2016-04-05,Closed with explanation,Yes,Yes,CR1860480,1458
2016-03-31,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-04,Closed with monetary relief,Yes,No,CR1858509,26
2016-03-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-04-04,Closed with non-monetary relief,Yes,No,CR1859344,10492
2016-03-30,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-03-31,Closed with explanation,Yes,Yes,CR1856046,2067
2016-03-30,Credit card,,Other,,,,N/A,Referral,2016-04-04,Closed with explanation,Yes,No,CR1856612,1840
2016-03-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-04-01,Closed with explanation,Yes,No,CR1857578,4961
2016-03-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-04-01,Closed with explanation,Yes,No,CR1856080,4341
2016-03-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-04-04,Closed with explanation,Yes,No,CR1856508,30
2016-03-29,Credit card,,APR or interest rate,,,,N/A,Referral,2016-03-31,Closed with explanation,Yes,Yes,CR1854821,3428
2016-03-29,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2016-03-31,Closed,Yes,No,CR1854095,1414
2016-03-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-31,Closed with explanation,Yes,No,CR1855162,1288
2016-03-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-03-31,Closed with explanation,Yes,No,CR1854630,4731
2016-03-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-03-31,Closed with explanation,Yes,No,CR1853860,1519
2016-03-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-03-31,Closed with monetary relief,Yes,No,CR1854710,1073
2016-03-29,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-03-31,Closed with explanation,Yes,No,CR1855011,1998
2016-03-28,Credit card,,Other fee,,,,N/A,Referral,2016-03-30,Closed with explanation,Yes,No,CR1851880,3538
2016-03-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-03-30,Closed with monetary relief,Yes,No,CR1853072,1852
2016-03-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-03-30,Closed with explanation,Yes,No,CR1852239,2025
2016-03-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-03-30,Closed with explanation,Yes,No,CR1851723,2311
2016-03-25,Credit card,,Billing disputes,,,,N/A,Referral,2016-03-29,Closed with explanation,Yes,Yes,CR1850596,5404
2016-03-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-13,Closed with explanation,Yes,Yes,CR1850126,1889
2016-03-25,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-04-08,Closed with explanation,Yes,No,CR1849885,2701
2016-03-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-04-07,Closed with explanation,Yes,No,CR1848146,4557
2016-03-24,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-03-28,Closed with explanation,Yes,No,CR1848401,622
2016-03-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-03-24,Closed with explanation,Yes,No,CR1846544,482
2016-03-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-03-24,Closed with non-monetary relief,Yes,No,CR1846189,1315
2016-03-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-03-24,Closed with explanation,Yes,Yes,CR1846812,4661
2016-03-22,Credit card,,Delinquent account,,,,N/A,Referral,2016-03-23,Closed with explanation,Yes,No,CR1843373,3422
2016-03-22,Credit card,,Billing statement,,,,N/A,Referral,2016-03-23,Closed with explanation,Yes,No,CR1844552,711
2016-03-22,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Referral,2016-03-23,Closed with explanation,Yes,Yes,CR1844084,12755
2016-03-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-03-23,Closed with explanation,Yes,No,CR1844068,3066
2016-03-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-03-22,Closed with explanation,Yes,No,CR1841964,3356
2016-03-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-03-22,Closed with explanation,Yes,Yes,CR1841324,246
2016-03-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-03-23,Closed with monetary relief,Yes,No,CR1842104,568
2016-03-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-03-22,Closed with explanation,Yes,Yes,CR1842527,3272
2016-03-18,Credit card,,Other fee,,,,N/A,Referral,2016-03-22,Closed with explanation,Yes,No,CR1839397,4552
2016-03-18,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-22,Closed with explanation,Yes,No,CR1839656,2785
2016-03-17,Credit card,,Transaction issue,,,,N/A,Referral,2016-03-21,Closed with explanation,Yes,No,CR1836752,4213
2016-03-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-22,Closed with monetary relief,Yes,No,CR1837668,1136
2016-03-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-03-18,Closed with explanation,Yes,No,CR1837208,967
2016-03-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-21,Closed with explanation,Yes,Yes,CR1837036,3686
2016-03-16,Credit card,,Billing disputes,,,Older American,N/A,Referral,2016-03-17,Closed with explanation,Yes,No,CR1836042,1896
2016-03-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-18,Closed with explanation,Yes,No,CR1834350,1127
2016-03-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-18,Closed,Yes,No,CR1834426,661
2016-03-16,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-03-18,Closed with monetary relief,Yes,No,CR1836011,5530
2016-03-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-03-17,Closed with monetary relief,Yes,No,CR1835764,1562
2016-03-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-18,Closed with explanation,Yes,No,CR1835273,1406
2016-03-15,Credit card,,Other,,,,N/A,Referral,2016-03-15,Closed with explanation,Yes,Yes,CR1834075,6122
2016-03-15,Credit card,,APR or interest rate,,,Older American,N/A,Referral,2016-03-16,Closed with explanation,Yes,Yes,CR1833414,431
2016-03-15,Credit card,,Billing disputes,,,,N/A,Referral,2016-03-16,Closed with explanation,Yes,Yes,CR1832460,692
2016-03-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-15,Closed with explanation,Yes,No,CR1832310,142
2016-03-14,Credit card,,Other fee,,,,N/A,Referral,2016-04-29,Closed with monetary relief,Yes,No,CR1831685,1237
2016-03-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Referral,2016-03-15,Closed with explanation,Yes,No,CR1830952,4195
2016-03-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-03-15,Closed with monetary relief,Yes,Yes,CR1830052,885
2016-03-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-03-15,Closed with explanation,Yes,No,CR1831915,5826
2016-03-14,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-03-15,Closed with explanation,Yes,No,CR1831240,815
2016-03-11,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2016-03-14,Closed with explanation,Yes,No,CR1827446,51
2016-03-11,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Referral,2016-03-14,Closed with monetary relief,Yes,No,CR1826909,10555
2016-03-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-14,Closed with explanation,Yes,No,CR1828341,2137
2016-03-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-03-15,Closed with explanation,Yes,No,CR1829017,896
2016-03-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-14,Closed with explanation,Yes,Yes,CR1827462,4054
2016-03-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-03-14,Closed with explanation,Yes,No,CR1828321,13590
2016-03-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-14,Closed with explanation,Yes,No,CR1827605,291
2016-03-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-03-15,Closed,Yes,No,CR1828615,5249
2016-03-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-03-15,Closed with monetary relief,Yes,No,CR1828517,136
2016-03-11,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-03-14,Closed with explanation,Yes,No,CR1828932,2442
2016-03-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-03-14,Closed with explanation,Yes,Yes,CR1828475,4324
2016-03-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-03-14,Closed with explanation,Yes,No,CR1828286,241
2016-03-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-14,Closed with explanation,Yes,No,CR1828403,2165
2016-03-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-03-14,Closed with explanation,Yes,No,CR1827742,4010
2016-03-11,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Referral,2016-03-15,Closed with monetary relief,Yes,No,CR1827545,2643
2016-03-10,Credit card,,APR or interest rate,,,Older American,N/A,Referral,2016-03-15,Closed with explanation,Yes,Yes,CR1826734,3064
2016-03-10,Credit card,,Billing disputes,,,Older American,N/A,Referral,2016-03-15,Closed,Yes,No,CR1826348,13276
2016-03-10,Credit card,,APR or interest rate,,,,N/A,Referral,2016-03-10,Closed with explanation,Yes,No,CR1826660,561
2016-03-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-03-10,Closed with explanation,Yes,No,CR1826557,4635
2016-03-09,Credit card,,APR or interest rate,,,,N/A,Referral,2016-03-10,Closed with monetary relief,Yes,No,CR1824635,2133
2016-03-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-03-10,Closed with explanation,Yes,No,CR1823656,4580
2016-03-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-03-09,Closed,Yes,No,CR1820384,1638
2016-03-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-03-08,Closed with explanation,Yes,Yes,CR1823210,906
2016-03-08,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-14,Closed with explanation,Yes,No,CR1821370,4061
2016-03-07,Credit card,,Other,,,,N/A,Referral,2016-03-14,Closed with explanation,Yes,Yes,CR1820125,1069
2016-03-07,Credit card,,Payoff process,,,,N/A,Referral,2016-03-16,Closed with explanation,Yes,No,CR1820636,11804
2016-03-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-03-09,Closed with explanation,Yes,Yes,CR1820217,3827
2016-03-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-04-12,Closed,Yes,No,CR1821264,555
2016-03-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-03-07,Closed with monetary relief,Yes,Yes,CR1816812,1141
2016-03-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-03-07,Closed with explanation,Yes,No,CR1818723,5760
2016-03-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-03-07,Closed with explanation,Yes,No,CR1817200,1403
2016-03-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-07,Closed with explanation,Yes,No,CR1815357,1201
2016-03-03,Credit card,,Other,,,,N/A,Referral,2016-03-04,Closed with explanation,Yes,No,CR1815957,2600
2016-03-03,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Referral,2016-03-04,Closed,Yes,No,CR1815956,10818
2016-03-03,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2016-03-04,Closed with monetary relief,Yes,No,CR1814572,8677
2016-03-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-03-04,Closed with monetary relief,Yes,No,CR1815162,7166
2016-03-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-03-04,Closed with explanation,Yes,Yes,CR1815236,3842
2016-03-03,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-03-03,Closed with explanation,Yes,Yes,CR1816238,834
2016-03-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-07,Closed with explanation,Yes,No,CR1814891,579
2016-03-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-04,Closed with explanation,Yes,Yes,CR1815599,3396
2016-03-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-03-04,Closed with monetary relief,Yes,No,CR1815689,4653
2016-03-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-03-07,Closed with monetary relief,Yes,Yes,CR1815650,3433
2016-03-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-03-04,Closed with explanation,Yes,Yes,CR1816014,1111
2016-03-02,Credit card,,Billing disputes,,,,N/A,Referral,2016-03-04,Closed with explanation,Yes,Yes,CR1812984,3084
2016-03-02,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-03-04,Closed with explanation,Yes,No,CR1813358,2687
2016-03-02,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-03-02,Closed with explanation,Yes,Yes,CR1813292,2016
2016-03-02,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Referral,2016-03-04,Closed with explanation,Yes,No,CR1812886,1199
2016-03-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-03-04,Closed with monetary relief,Yes,No,CR1813686,1735
2016-03-01,Credit card,,Balance transfer,,,,N/A,Referral,2016-03-02,Closed with explanation,Yes,No,CR1809270,10963
2016-03-01,Credit card,,Closing/Cancelling account,,,"Older American, Servicemember",N/A,Referral,2016-03-03,Closed with explanation,Yes,No,CR1811753,856
2016-03-01,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-03-03,Closed with explanation,Yes,No,CR1812186,2052
2016-03-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-03,Closed with monetary relief,Yes,No,CR1810295,231
2016-03-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-03-01,Closed with explanation,Yes,No,CR1811319,12378
2016-03-01,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-03-03,Closed with explanation,Yes,No,CR1808087,5393
2016-03-01,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-03-02,Closed with explanation,Yes,No,CR1811355,10276
2016-03-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-03-02,Closed with explanation,Yes,No,CR1810602,1839
2016-03-01,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Referral,2016-03-02,Closed with explanation,Yes,No,CR1811702,27
2016-03-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-03-01,Closed with explanation,Yes,Yes,CR1812167,602
2016-03-01,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-03-02,Closed with explanation,Yes,No,CR1810635,2062
2016-03-01,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Referral,2016-03-01,Closed with explanation,Yes,No,CR1810199,540
2016-03-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-03-01,Closed with monetary relief,Yes,No,CR1811630,524
2016-03-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-03-02,Closed with explanation,Yes,No,CR1811399,3535
2016-02-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-03-01,Closed with explanation,Yes,No,CR1809220,9675
2016-02-29,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-03-01,Closed with explanation,Yes,No,CR1809830,2791
2016-02-26,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-02-29,Closed with monetary relief,Yes,No,CR1807335,3906
2016-02-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-03-01,Closed with monetary relief,Yes,No,CR1805676,4025
2016-02-25,Credit card,,Other,,,,N/A,Referral,2016-03-23,Closed with non-monetary relief,Yes,No,CR1804882,1025
2016-02-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-02-29,Closed with explanation,Yes,No,CR1804683,2850
2016-02-25,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-02-29,Closed with explanation,Yes,No,CR1805629,4636
2016-02-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-02-29,Closed with explanation,Yes,No,CR1803019,764
2016-02-24,Credit card,,Other,,,Older American,N/A,Referral,2016-03-08,Closed with explanation,Yes,No,CR1803326,11598
2016-02-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-02-26,Closed with explanation,Yes,No,CR1802933,3629
2016-02-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-02-24,Closed with monetary relief,Yes,No,CR1799299,1897
2016-02-23,Credit card,,Other fee,,,,N/A,Referral,2016-02-24,Closed with monetary relief,Yes,No,CR1798469,1355
2016-02-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-02-29,Closed with explanation,Yes,No,CR1797144,994
2016-02-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-02-24,Closed with explanation,Yes,No,CR1799711,10159
2016-02-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-02-26,Closed with explanation,Yes,No,CR1800937,3273
2016-02-23,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-02-25,Closed with explanation,Yes,No,CR1801229,10563
2016-02-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-02-24,Closed with explanation,Yes,No,CR1801246,3573
2016-02-22,Credit card,,Billing statement,,,,N/A,Referral,2016-02-22,Closed with explanation,Yes,No,CR1798465,1873
2016-02-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-02-24,Closed with monetary relief,Yes,No,CR1797714,2226
2016-02-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-02-24,Closed with explanation,Yes,No,CR1797117,334
2016-02-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-02-24,Closed with monetary relief,Yes,No,CR1797792,4402
2016-02-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-02-24,Closed with monetary relief,Yes,No,CR1798207,11795
2016-02-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-02-24,Closed with monetary relief,Yes,No,CR1798508,1222
2016-02-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-02-22,Closed with explanation,Yes,Yes,CR1792974,2551
2016-02-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-02-22,Closed with explanation,Yes,No,CR1794500,5409
2016-02-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-02-22,Closed with explanation,Yes,No,CR1793260,2306
2016-02-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Referral,2016-02-23,Closed with explanation,Yes,No,CR1793278,9202
2016-02-17,Credit card,,Billing disputes,,,,N/A,Referral,2016-02-17,Closed with monetary relief,Yes,No,CR1791336,2031
2016-02-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-02-19,Closed with explanation,Yes,Yes,CR1792269,3812
2016-02-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-02-19,Closed with explanation,Yes,No,CR1791879,1073
2016-02-17,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2016-02-18,Closed with explanation,Yes,No,CR1790674,3893
2016-02-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-02-18,Closed with explanation,Yes,No,CR1791532,752
2016-02-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-02-18,Closed with explanation,Yes,No,CR1792379,4410
2016-02-12,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-02-17,Closed with explanation,Yes,No,CR1785272,2073
2016-02-12,Credit card,,Late fee,,,,N/A,Referral,2016-02-17,Closed with monetary relief,Yes,No,CR1785143,11034
2016-02-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-02-16,Closed with explanation,Yes,No,CR1786464,2749
2016-02-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-02-16,Closed with explanation,Yes,No,CR1786206,208
2016-02-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-02-16,Closed with explanation,Yes,No,CR1785765,8362
2016-02-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-02-16,Closed with explanation,Yes,No,CR1785916,2030
2016-02-11,Credit card,,Rewards,,,,N/A,Referral,2016-02-16,Closed with explanation,Yes,No,CR1784292,2132
2016-02-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-02-16,Closed with explanation,Yes,Yes,CR1783569,12397
2016-02-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-02-16,Closed with explanation,Yes,No,CR1783323,2898
2016-02-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-02-16,Closed with explanation,Yes,No,CR1783101,2945
2016-02-10,Credit card,,Other,,,,N/A,Referral,2016-02-10,Closed with explanation,Yes,No,CR1782352,4448
2016-02-10,Credit card,,Other fee,,,,N/A,Referral,2016-02-16,Closed with explanation,Yes,No,CR1782772,2451
2016-02-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-02-10,Closed with explanation,Yes,Yes,CR1781427,430
2016-02-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-02-12,Closed with explanation,Yes,Yes,CR1782635,3088
2016-02-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-02-16,Closed with explanation,Yes,No,CR1782130,3074
2016-02-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-02-09,Closed with explanation,Yes,No,CR1780421,3327
2016-02-09,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2016-02-09,Closed with explanation,Yes,No,CR1780466,19
2016-02-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-02-10,Closed with monetary relief,Yes,No,CR1779509,584
2016-02-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-02-09,Closed with explanation,Yes,No,CR1778622,13448
2016-02-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-02-10,Closed with monetary relief,Yes,No,CR1780672,3415
2016-02-08,Credit card,,Billing disputes,,,,N/A,Referral,2016-02-09,Closed with monetary relief,Yes,No,CR1777350,938
2016-02-08,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-02-08,Closed with explanation,Yes,No,CR1778293,2248
2016-02-08,Credit card,,Rewards,,,,N/A,Referral,2016-02-09,Closed with monetary relief,Yes,Yes,CR1777909,2001
2016-02-08,Credit card,,Other,,,,N/A,Referral,2016-02-09,Closed with monetary relief,Yes,No,CR1777269,2531
2016-02-08,Credit card,,APR or interest rate,,,,N/A,Referral,2016-02-10,Closed with monetary relief,Yes,Yes,CR1777612,3617
2016-02-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-02-09,Closed with monetary relief,Yes,No,CR1777470,749
2016-02-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-02-08,Closed with explanation,Yes,No,CR1778497,2356
2016-02-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-02-09,Closed with explanation,Yes,No,CR1778461,2129
2016-02-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-02-08,Closed with explanation,Yes,No,CR1777361,554
2016-02-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-02-09,Closed with monetary relief,Yes,No,CR1778162,3000
2016-02-05,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-02-09,Closed with explanation,Yes,No,CR1776054,2689
2016-02-04,Credit card,,Billing disputes,,,,N/A,Referral,2016-02-05,Closed with monetary relief,Yes,No,CR1771578,1624
2016-02-04,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2016-02-08,Closed with explanation,Yes,No,CR1773951,2970
2016-02-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-02-08,Closed with monetary relief,Yes,Yes,CR1774086,1572
2016-02-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-02-04,Closed with explanation,Yes,No,CR1772862,2860
2016-02-03,Credit card,,Billing disputes,,,,N/A,Referral,2016-02-18,Closed with explanation,Yes,No,CR1771076,4064
2016-02-03,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Referral,2016-02-03,Closed with explanation,Yes,No,CR1772345,5318
2016-02-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-02-03,Closed with explanation,Yes,No,CR1772192,273
2016-02-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-02-04,Closed with explanation,Yes,Yes,CR1770513,4530
2016-02-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-02-03,Closed with explanation,Yes,No,CR1771385,4044
2016-02-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-02-08,Closed with explanation,Yes,No,CR1768938,6844
2016-02-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-02-04,Closed with explanation,Yes,Yes,CR1768140,8737
2016-02-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-02-03,Closed with monetary relief,Yes,No,CR1769645,4225
2016-02-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-02-08,Closed with explanation,Yes,No,CR1770302,2274
2016-02-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-02-03,Closed with explanation,Yes,No,CR1767194,4121
2016-02-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-02-04,Closed with explanation,Yes,No,CR1767060,10209
2016-02-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-02-02,Closed with explanation,Yes,No,CR1766978,3584
2016-01-30,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-02-02,Closed with explanation,Yes,No,CR1763657,4791
2016-01-29,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-02-03,Closed with explanation,Yes,No,CR1764500,1456
2016-01-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-02-02,Closed with explanation,Yes,No,CR1764929,3816
2016-01-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-02-02,Closed with explanation,Yes,No,CR1763394,406
2016-01-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-02-02,Closed with monetary relief,Yes,No,CR1763118,1109
2016-01-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-29,Closed with explanation,Yes,No,CR1761414,5397
2016-01-27,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Referral,2016-02-02,Closed with monetary relief,Yes,No,CR1760831,3675
2016-01-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-01-28,Closed with explanation,Yes,Yes,CR1759747,4203
2016-01-26,Credit card,,Overlimit fee,,,,N/A,Referral,2016-01-27,Closed with monetary relief,Yes,No,CR1758672,1809
2016-01-26,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-01-29,Closed with explanation,Yes,No,CR1757790,639
2016-01-26,Credit card,,APR or interest rate,,,,N/A,Referral,2016-02-01,Closed with explanation,Yes,Yes,CR1758081,1114
2016-01-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-01-29,Closed with monetary relief,Yes,No,CR1759496,11574
2016-01-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-01-29,Closed with monetary relief,Yes,No,CR1758269,4773
2016-01-26,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Referral,2016-02-01,Closed with explanation,Yes,Yes,CR1758237,1600
2016-01-26,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-01-28,Closed with explanation,Yes,No,CR1757645,1099
2016-01-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-01-29,Closed with explanation,Yes,No,CR1758443,211
2016-01-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-02-01,Closed with monetary relief,Yes,No,CR1759566,1832
2016-01-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-27,Closed with explanation,Yes,No,CR1758323,2529
2016-01-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-01-29,Closed with explanation,Yes,No,CR1759236,4804
2016-01-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-01-27,Closed with explanation,Yes,No,CR1757877,2348
2016-01-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-01-29,Closed with explanation,Yes,No,CR1759257,10303
2016-01-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-01-26,Closed,Yes,No,CR1755701,4201
2016-01-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-01-22,Closed,Yes,No,CR1754061,11732
2016-01-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-01-26,Closed with monetary relief,Yes,No,CR1754338,1353
2016-01-21,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-01-28,Closed with explanation,Yes,No,CR1751696,2121
2016-01-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-26,Closed with explanation,Yes,No,CR1751867,2017
2016-01-21,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2016-01-22,Closed with explanation,Yes,No,CR1751613,4678
2016-01-21,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Referral,2016-01-22,Closed with explanation,Yes,No,CR1752536,2817
2016-01-20,Credit card,,Other fee,,,,N/A,Referral,2016-01-22,Closed with monetary relief,Yes,No,CR1750862,249
2016-01-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-20,Closed with explanation,Yes,Yes,CR1747124,2269
2016-01-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-20,Closed with explanation,Yes,No,CR1750172,5911
2016-01-20,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Referral,2016-01-21,Closed with explanation,Yes,No,CR1750737,1582
2016-01-19,Credit card,,Other,,,,N/A,Referral,2016-03-07,Closed with explanation,Yes,No,CR1748960,2778
2016-01-16,Credit card,,Billing disputes,,,,N/A,Referral,2016-01-19,Closed with explanation,Yes,No,CR1744034,1292
2016-01-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-01-20,Closed with explanation,Yes,Yes,CR1745927,117
2016-01-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-01-20,Closed with explanation,Yes,No,CR1745348,4343
2016-01-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-01-20,Closed with monetary relief,Yes,No,CR1745166,495
2016-01-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-01-20,Closed with explanation,Yes,Yes,CR1743777,2165
2016-01-16,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-01-20,Closed with monetary relief,Yes,No,CR1746268,798
2016-01-15,Credit card,,Other fee,,,,N/A,Referral,2016-01-19,Closed with explanation,Yes,Yes,CR1744320,4705
2016-01-15,Credit card,,Billing disputes,,,,N/A,Referral,2016-01-20,Closed with monetary relief,Yes,No,CR1742390,4799
2016-01-15,Credit card,,Other fee,,,,N/A,Referral,2016-01-20,Closed with monetary relief,Yes,No,CR1744225,4572
2016-01-15,Credit card,,Rewards,,,,N/A,Referral,2016-01-20,Closed with monetary relief,Yes,No,CR1745987,3708
2016-01-15,Credit card,,Billing disputes,,,,N/A,Referral,2016-01-15,Closed with explanation,Yes,No,CR1744041,4803
2016-01-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-01-19,Closed with explanation,Yes,Yes,CR1745734,3000
2016-01-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Referral,2016-02-29,Closed with explanation,Yes,No,CR1745998,3719
2016-01-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-01-20,Closed with explanation,Yes,Yes,CR1744397,7862
2016-01-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-01-19,Closed with non-monetary relief,Yes,No,CR1744280,5312
2016-01-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-01-20,Closed with explanation,Yes,Yes,CR1746130,3753
2016-01-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-20,Closed with explanation,Yes,Yes,CR1740147,1194
2016-01-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-01-20,Closed with monetary relief,Yes,No,CR1744992,5527
2016-01-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-01-20,Closed with explanation,Yes,Yes,CR1743797,368
2016-01-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-20,Closed with explanation,Yes,No,CR1745432,3077
2016-01-14,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-01-19,Closed with explanation,Yes,No,CR1742727,87
2016-01-14,Credit card,,Billing statement,,,,N/A,Referral,2016-01-19,Closed with explanation,Yes,No,CR1739983,46
2016-01-14,Credit card,,Billing disputes,,,,N/A,Referral,2016-01-15,Closed with explanation,Yes,No,CR1741659,1087
2016-01-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-01-15,Closed with explanation,Yes,Yes,CR1741186,3885
2016-01-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-01-20,Closed with explanation,Yes,Yes,CR1741442,502
2016-01-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-01-20,Closed with monetary relief,Yes,No,CR1741786,3466
2016-01-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-01-15,Closed with explanation,Yes,No,CR1743627,638
2016-01-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-01-19,Closed with explanation,Yes,No,CR1742981,3541
2016-01-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-19,Closed with explanation,Yes,No,CR1741426,3348
2016-01-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Referral,2016-01-15,Closed with explanation,Yes,No,CR1742943,1884
2016-01-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-01-15,Closed,Yes,No,CR1742958,4447
2016-01-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-19,Closed with explanation,Yes,No,CR1741671,208
2016-01-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2016-01-20,Closed with explanation,Yes,No,CR1743166,2866
2016-01-14,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-01-15,Closed with explanation,Yes,No,CR1741971,2991
2016-01-13,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2016-02-04,Closed with explanation,Yes,No,CR1740280,1888
2016-01-13,Credit card,,Other,,,,N/A,Referral,2016-01-22,Closed with explanation,Yes,Yes,CR1741226,3009
2016-01-13,Credit card,,Billing disputes,,,,N/A,Referral,2016-01-14,Closed with explanation,Yes,No,CR1743413,6272
2016-01-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2016-01-21,Closed with explanation,Yes,Yes,CR1738214,3684
2016-01-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-14,Closed with explanation,Yes,No,CR1741632,766
2016-01-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-01-14,Closed with explanation,Yes,Yes,CR1743137,3505
2016-01-13,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-01-14,Closed with monetary relief,Yes,No,CR1741852,1467
2016-01-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-01-13,Closed with explanation,Yes,No,CR1743643,2747
2016-01-13,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2016-01-14,Closed with monetary relief,Yes,No,CR1739793,841
2016-01-12,Credit card,,Billing disputes,,,,N/A,Referral,2016-01-14,Closed with explanation,Yes,,CR1739343,2012
2016-01-12,Credit card,,Advertising and marketing,,,,N/A,Referral,2016-01-13,Closed with explanation,Yes,No,CR1738164,678
2016-01-12,Credit card,,Billing disputes,,,,N/A,Referral,2016-01-15,Closed with explanation,Yes,No,CR1738346,4266
2016-01-12,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2016-01-13,Closed with explanation,Yes,Yes,CR1738781,2604
2016-01-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-01-12,Closed with explanation,Yes,No,CR1737706,3664
2016-01-12,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-01-13,Closed with explanation,Yes,No,CR1738383,2096
2016-01-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-01-14,Closed with explanation,Yes,No,CR1738924,3690
2016-01-12,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2016-01-12,Closed with explanation,Yes,No,CR1739439,58
2016-01-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-11,Closed with explanation,Yes,Yes,CR1736172,4335
2016-01-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-13,Closed with explanation,Yes,No,CR1737387,2289
2016-01-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-01-12,Closed with monetary relief,Yes,Yes,CR1737100,3236
2016-01-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-01-12,Closed with explanation,Yes,No,CR1737097,261
2016-01-11,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-01-13,Closed with explanation,Yes,No,CR1735578,4099
2016-01-11,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2016-01-12,Closed with explanation,Yes,No,CR1736319,2052
2016-01-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Referral,2016-01-11,Closed with explanation,Yes,No,CR1734485,889
2016-01-07,Credit card,,Other,,,,N/A,Referral,2016-01-11,Closed with explanation,Yes,No,CR1733055,5531
2016-01-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-12,Closed with monetary relief,Yes,No,CR1732220,2444
2016-01-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-11,Closed with explanation,Yes,Yes,CR1731652,3353
2016-01-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-11,Closed with explanation,Yes,No,CR1732749,4400
2016-01-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-08,Closed with monetary relief,Yes,No,CR1731904,1471
2016-01-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-11,Closed with monetary relief,Yes,No,CR1731771,2558
2016-01-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2016-02-04,Closed with explanation,Yes,Yes,CR1732459,1122
2016-01-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2016-01-11,Closed with explanation,Yes,Yes,CR1731790,3958
2016-01-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-01-11,Closed with monetary relief,Yes,No,CR1733014,311
2016-01-05,Credit card,,Rewards,,,,N/A,Referral,2016-01-05,Closed with monetary relief,Yes,No,CR1728192,1286
2016-01-05,Credit card,,Late fee,,,,N/A,Referral,2016-01-08,Closed with explanation,Yes,No,CR1727957,257
2016-01-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-01-07,Closed with monetary relief,Yes,No,CR1729286,1366
2016-01-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2016-01-07,Closed with monetary relief,Yes,No,CR1728438,1427
2016-01-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-01-11,Closed with explanation,Yes,No,CR1729179,3700
2016-01-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-01-07,Closed with monetary relief,Yes,No,CR1728769,1160
2016-01-04,Credit card,,Other,,,,N/A,Referral,2016-01-06,Closed with explanation,Yes,Yes,CR1726478,2941
2016-01-04,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2016-01-04,Closed with explanation,Yes,Yes,CR1725660,303
2015-12-31,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2015-12-31,Closed with explanation,Yes,No,CR1724251,453
2015-12-31,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2016-01-04,Closed with explanation,Yes,No,CR1724063,3432
2015-12-30,Credit card,,Late fee,,,,N/A,Referral,2016-02-03,Closed with explanation,Yes,No,CR1722241,335
2015-12-30,Credit card,,Billing disputes,,,,N/A,Referral,2015-12-30,Closed with explanation,Yes,No,CR1722164,3311
2015-12-30,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2016-01-04,Closed with explanation,Yes,No,CR1722337,4484
2015-12-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-12-30,Closed with explanation,Yes,No,CR1722608,3989
2015-12-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-01-04,Closed with explanation,Yes,No,CR1721338,4640
2015-12-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-12-30,Closed with explanation,Yes,No,CR1721853,3667
2015-12-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Referral,2016-01-04,Closed with explanation,Yes,No,CR1722975,260
2015-12-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-12-29,Closed with explanation,Yes,No,CR1720537,2148
2015-12-28,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2015-12-30,Closed with explanation,Yes,No,CR1717814,3897
2015-12-24,Credit card,,Billing statement,,,,N/A,Referral,2015-12-28,Closed with explanation,Yes,No,CR1716436,2402
2015-12-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-12-28,Closed with monetary relief,Yes,No,CR1716790,4503
2015-12-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-12-29,Closed with explanation,Yes,No,CR1716102,1951
2015-12-24,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-12-28,Closed with monetary relief,Yes,No,CR1716048,3416
2015-12-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-12-28,Closed with monetary relief,Yes,No,CR1716868,4018
2015-12-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-12-28,Closed with monetary relief,Yes,No,CR1716470,2662
2015-12-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-12-23,Closed with monetary relief,Yes,No,CR1715235,4823
2015-12-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-12-28,Closed with explanation,Yes,No,CR1715203,10828
2015-12-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-12-28,Closed with non-monetary relief,Yes,No,CR1715658,551
2015-12-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-12-28,Closed with explanation,Yes,No,CR1715524,2704
2015-12-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-12-28,Closed with monetary relief,Yes,No,CR1715419,2765
2015-12-23,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-12-28,Closed with explanation,Yes,No,CR1715253,560
2015-12-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-12-28,Closed with explanation,Yes,No,CR1715375,4770
2015-12-22,Credit card,,Billing disputes,,,,N/A,Referral,2015-12-22,Closed with explanation,Yes,Yes,CR1713464,621
2015-12-21,Credit card,,Billing disputes,,,,N/A,Referral,2015-12-22,Closed with monetary relief,Yes,No,CR1710876,642
2015-12-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2016-01-26,Closed,Yes,No,CR1711369,3525
2015-12-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Referral,2015-12-21,Closed with monetary relief,Yes,No,CR1711403,2441
2015-12-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-12-22,Closed with monetary relief,Yes,No,CR1710177,9880
2015-12-21,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-12-22,Closed with explanation,Yes,Yes,CR1710823,3350
2015-12-21,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2015-12-23,Closed with monetary relief,Yes,No,CR1711581,2736
2015-12-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-12-22,Closed with explanation,Yes,Yes,CR1711175,2091
2015-12-18,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2015-12-18,Closed with monetary relief,Yes,No,CR1708497,665
2015-12-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-12-21,Closed with explanation,Yes,No,CR1708189,4011
2015-12-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-12-17,Closed with explanation,Yes,No,CR1699525,4584
2015-12-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-12-18,Closed with explanation,Yes,No,CR1706256,2418
2015-12-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-12-17,Closed with monetary relief,Yes,No,CR1698986,2849
2015-12-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-12-17,Closed with explanation,Yes,No,CR1707117,2415
2015-12-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-12-16,Closed with monetary relief,Yes,No,CR1706176,6844
2015-12-15,Credit card,,Billing disputes,,,,N/A,Referral,2015-12-17,Closed with explanation,Yes,Yes,CR1697392,5132
2015-12-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-12-16,Closed with explanation,Yes,No,CR1697751,457
2015-12-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-12-18,Closed with explanation,Yes,No,CR1697756,10636
2015-12-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-12-16,Closed with monetary relief,Yes,No,CR1697103,122
2015-12-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-12-17,Closed with explanation,Yes,No,CR1697358,768
2015-12-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-12-14,Closed with monetary relief,Yes,No,CR1693337,783
2015-12-11,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-12-14,Closed with explanation,Yes,No,CR1693276,41
2015-12-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-12-14,Closed with monetary relief,Yes,No,CR1693586,443
2015-12-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-12-14,Closed with explanation,Yes,No,CR1693388,481
2015-12-10,Credit card,,Balance transfer,,,,N/A,Referral,2015-12-11,Closed with explanation,Yes,No,CR1690955,2166
2015-12-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-12-11,Closed with explanation,Yes,No,CR1691345,4278
2015-12-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-12-11,Closed with explanation,Yes,No,CR1690932,1755
2015-12-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-12-11,Closed with monetary relief,Yes,No,CR1689988,2224
2015-12-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-12-10,Closed with non-monetary relief,Yes,No,CR1689589,3736
2015-12-09,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2015-12-11,Closed with explanation,Yes,No,CR1689578,560
2015-12-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-12-11,Closed with explanation,Yes,No,CR1687855,3178
2015-12-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-12-11,Closed with monetary relief,Yes,No,CR1688474,4103
2015-12-07,Credit card,,Other,,,,N/A,Referral,2015-12-08,Closed with non-monetary relief,Yes,No,CR1686571,3519
2015-12-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-12-09,Closed with explanation,Yes,Yes,CR1686015,3557
2015-12-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-12-08,Closed with monetary relief,Yes,No,CR1686625,2231
2015-12-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-12-08,Closed with monetary relief,Yes,No,CR1686626,2827
2015-12-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-12-08,Closed with explanation,Yes,No,CR1686339,5152
2015-12-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-12-08,Closed with monetary relief,Yes,No,CR1686279,2257
2015-12-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-12-08,Closed with monetary relief,Yes,No,CR1686622,4360
2015-12-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-12-08,Closed with explanation,Yes,No,CR1685801,2581
2015-12-04,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-12-07,Closed with explanation,Yes,No,CR1683563,3046
2015-12-04,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-12-08,Closed with explanation,Yes,Yes,CR1683568,1097
2015-12-03,Credit card,,Other,,,,N/A,Referral,2015-12-08,Closed with explanation,Yes,Yes,CR1680931,1964
2015-12-03,Credit card,,Late fee,,,,N/A,Referral,2015-12-08,Closed with monetary relief,Yes,No,CR1681677,2325
2015-12-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-12-08,Closed with explanation,Yes,No,CR1681684,80
2015-12-02,Credit card,,Transaction issue,,,,N/A,Referral,2015-12-07,Closed with explanation,Yes,Yes,CR1680513,892
2015-12-02,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2016-01-14,Closed,Yes,No,CR1680632,381
2015-12-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-12-03,Closed with explanation,Yes,No,CR1678997,3438
2015-12-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-12-07,Closed with monetary relief,Yes,No,CR1679726,4087
2015-12-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-12-08,Closed with monetary relief,Yes,No,CR1679670,769
2015-12-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-12-07,Closed with monetary relief,Yes,No,CR1680312,2034
2015-12-02,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-12-03,Closed with explanation,Yes,No,CR1679585,2868
2015-12-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-12-03,Closed with explanation,Yes,No,CR1679981,3817
2015-12-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-12-03,Closed with monetary relief,Yes,No,CR1679761,1372
2015-12-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-12-02,Closed,Yes,No,CR1678644,2866
2015-12-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-12-02,Closed with explanation,Yes,No,CR1677124,3646
2015-12-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-12-11,Closed with explanation,Yes,No,CR1676951,5334
2015-11-30,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-12-08,Closed with non-monetary relief,Yes,No,CR1675615,3674
2015-11-30,Credit card,,Transaction issue,,,,N/A,Referral,2015-12-04,Closed with monetary relief,Yes,No,CR1676523,6922
2015-11-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2016-01-04,Closed with monetary relief,Yes,No,CR1675613,7576
2015-11-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-12-01,Closed with explanation,Yes,No,CR1674331,4467
2015-11-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-12-02,Closed with explanation,Yes,No,CR1673873,194
2015-11-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-12-01,Closed with monetary relief,Yes,Yes,CR1673822,4747
2015-11-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-11-30,Closed with explanation,Yes,Yes,CR1673844,2328
2015-11-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-12-03,Closed with monetary relief,Yes,No,CR1673877,2314
2015-11-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-12-01,Closed with explanation,Yes,No,CR1673238,1287
2015-11-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-12-01,Closed with explanation,Yes,No,CR1673986,4833
2015-11-25,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-11-30,Closed with explanation,Yes,Yes,CR1671921,3244
2015-11-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-11-27,Closed with explanation,Yes,No,CR1672132,3155
2015-11-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-11-27,Closed with explanation,Yes,Yes,CR1671747,3208
2015-11-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-11-27,Closed with explanation,Yes,No,CR1671989,706
2015-11-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-11-25,Closed with monetary relief,Yes,No,CR1669389,2597
2015-11-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-11-30,Closed with monetary relief,Yes,No,CR1670127,2201
2015-11-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-11-24,Closed with monetary relief,Yes,No,CR1670030,4412
2015-11-23,Credit card,,Other,,,,N/A,Referral,2015-11-27,Closed with explanation,Yes,No,CR1668017,4930
2015-11-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-11-25,Closed with monetary relief,Yes,No,CR1668832,4041
2015-11-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-11-30,Closed with monetary relief,Yes,No,CR1668529,6936
2015-11-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-11-30,Closed with monetary relief,Yes,No,CR1668519,1426
2015-11-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-11-25,Closed with monetary relief,Yes,No,CR1668556,909
2015-11-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-11-24,Closed with explanation,Yes,No,CR1668055,3311
2015-11-23,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-11-30,Closed with explanation,Yes,No,CR1668831,1213
2015-11-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-11-25,Closed with monetary relief,Yes,No,CR1668564,510
2015-11-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-11-24,Closed with explanation,Yes,No,CR1664681,2559
2015-11-20,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2015-11-23,Closed with explanation,Yes,No,CR1665248,3451
2015-11-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-11-23,Closed with monetary relief,Yes,Yes,CR1664579,746
2015-11-19,Credit card,,Other fee,,,,N/A,Referral,2015-11-23,Closed with monetary relief,Yes,No,CR1663250,1087
2015-11-19,Credit card,,Other,,,,N/A,Referral,2015-11-30,Closed,Yes,Yes,CR1664257,2058
2015-11-19,Credit card,,Other,,,,N/A,Referral,2015-11-23,Closed with explanation,Yes,No,CR1664089,3101
2015-11-19,Credit card,,Other,,,,N/A,Referral,2015-11-23,Closed with explanation,Yes,Yes,CR1664124,5241
2015-11-18,Credit card,,Billing disputes,,,,N/A,Referral,2015-11-20,Closed with monetary relief,Yes,No,CR1661214,545
2015-11-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-11-19,Closed with explanation,Yes,Yes,CR1660364,2421
2015-11-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-11-19,Closed with monetary relief,Yes,No,CR1660958,2800
2015-11-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-11-27,Closed with explanation,Yes,No,CR1661790,24
2015-11-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-11-19,Closed with monetary relief,Yes,No,CR1661865,203
2015-11-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-11-23,Closed with monetary relief,Yes,Yes,CR1662028,5223
2015-11-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-11-19,Closed with monetary relief,Yes,No,CR1660888,2063
2015-11-17,Credit card,,Late fee,,,,N/A,Referral,2015-11-18,Closed with monetary relief,Yes,Yes,CR1658920,4554
2015-11-17,Credit card,,Rewards,,,,N/A,Referral,2015-11-19,Closed with explanation,Yes,Yes,CR1658760,2090
2015-11-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-11-17,Closed with monetary relief,Yes,No,CR1658634,2964
2015-11-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-11-17,Closed with explanation,Yes,No,CR1658729,4229
2015-11-17,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-11-19,Closed with explanation,Yes,Yes,CR1658918,4599
2015-11-17,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-11-18,Closed with explanation,Yes,No,CR1658911,375
2015-11-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-11-18,Closed with explanation,Yes,No,CR1659339,561
2015-11-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-11-18,Closed with explanation,Yes,Yes,CR1658157,515
2015-11-16,Credit card,,Other,,,,N/A,Referral,2015-11-17,Closed with monetary relief,Yes,No,CR1657838,3962
2015-11-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-11-17,Closed with monetary relief,Yes,No,CR1657750,2801
2015-11-16,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Referral,2015-11-18,Closed with explanation,Yes,No,CR1656640,834
2015-11-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-11-16,Closed with explanation,Yes,No,CR1655405,2815
2015-11-13,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2015-11-16,Closed with monetary relief,Yes,No,CR1653243,4298
2015-11-13,Credit card,,Late fee,,,,N/A,Referral,2015-11-16,Closed with monetary relief,Yes,No,CR1654906,316
2015-11-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-11-17,Closed with explanation,Yes,Yes,CR1653267,2923
2015-11-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-11-16,Closed with monetary relief,Yes,No,CR1653343,4181
2015-11-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-11-16,Closed with monetary relief,Yes,No,CR1653947,4340
2015-11-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-11-16,Closed with monetary relief,Yes,No,CR1653242,1769
2015-11-13,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Referral,2015-11-16,Closed with explanation,Yes,No,CR1653859,4708
2015-11-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-11-16,Closed with explanation,Yes,No,CR1655162,4758
2015-11-13,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-11-17,Closed with monetary relief,Yes,No,CR1654069,1207
2015-11-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-11-17,Closed with explanation,Yes,Yes,CR1654907,4145
2015-11-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-11-16,Closed with monetary relief,Yes,No,CR1652858,4099
2015-11-10,Credit card,,Delinquent account,,,,N/A,Referral,2015-11-13,Closed with explanation,Yes,Yes,CR1649552,3780
2015-11-10,Credit card,,APR or interest rate,,,,N/A,Referral,2015-11-12,Closed with explanation,Yes,No,CR1650295,3226
2015-11-10,Credit card,,Other fee,,,,N/A,Referral,2015-11-12,Closed with monetary relief,Yes,No,CR1650280,1155
2015-11-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-11-13,Closed with explanation,Yes,No,CR1650273,4582
2015-11-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-11-13,Closed with monetary relief,Yes,No,CR1649794,11685
2015-11-09,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-11-12,Closed with explanation,Yes,Yes,CR1646338,5354
2015-11-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-11-12,Closed with explanation,Yes,No,CR1647453,2819
2015-11-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Referral,2015-11-10,Closed with explanation,Yes,Yes,CR1647415,3084
2015-11-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-11-12,Closed with monetary relief,Yes,No,CR1647377,12625
2015-11-07,Credit card,,Delinquent account,,,,N/A,Referral,2015-11-10,Closed with explanation,Yes,No,CR1645291,1054
2015-11-06,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-11-09,Closed with explanation,Yes,No,CR1643376,3143
2015-11-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-11-09,Closed with explanation,Yes,No,CR1644561,2400
2015-11-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-11-16,Closed with monetary relief,Yes,No,CR1644343,3383
2015-11-06,Bank account or service,Savings account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Referral,2015-11-10,Closed with explanation,Yes,No,CR1643638,3051
2015-11-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-11-09,Closed with explanation,Yes,No,CR1643402,4929
2015-11-05,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Referral,2015-11-27,Closed with explanation,Yes,No,CR1641211,2364
2015-11-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-11-13,Closed with explanation,Yes,No,CR1641214,2658
2015-11-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-11-16,Closed with explanation,Yes,No,CR1641440,3208
2015-11-04,Credit card,,Cash advance fee,,,,N/A,Referral,2015-11-05,Closed with monetary relief,Yes,No,CR1640563,4886
2015-11-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-11-20,Closed with explanation,Yes,No,CR1640569,3457
2015-11-03,Credit card,,Billing statement,,,,N/A,Referral,2015-11-04,Closed with non-monetary relief,Yes,No,CR1637928,4167
2015-11-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-11-16,Closed with explanation,Yes,Yes,CR1637923,13
2015-11-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-11-04,Closed with monetary relief,Yes,No,CR1638496,11371
2015-11-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-11-09,Closed with explanation,Yes,No,CR1637945,758
2015-11-02,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2015-11-03,Closed with explanation,Yes,No,CR1634971,10303
2015-10-30,Credit card,,APR or interest rate,,,,N/A,Referral,2015-11-02,Closed with monetary relief,Yes,No,CR1633368,4160
2015-10-30,Credit card,,Delinquent account,,,,N/A,Referral,2015-11-03,Closed with explanation,Yes,Yes,CR1632853,3921
2015-10-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-11-02,Closed with monetary relief,Yes,No,CR1633598,1139
2015-10-30,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Referral,2015-11-02,Closed with explanation,Yes,No,CR1632636,4417
2015-10-30,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2015-11-09,Closed,Yes,No,CR1632633,6987
2015-10-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-11-03,Closed with explanation,Yes,No,CR1632428,2920
2015-10-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-11-02,Closed with monetary relief,Yes,No,CR1634064,86
2015-10-30,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2015-11-02,Closed with explanation,Yes,No,CR1633834,1263
2015-10-29,Credit card,,Other,,,,N/A,Referral,2015-11-02,Closed with explanation,Yes,Yes,CR1632142,1372
2015-10-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-10-30,Closed with explanation,Yes,No,CR1631298,8764
2015-10-29,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-11-02,Closed with monetary relief,Yes,No,CR1631821,933
2015-10-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-10-30,Closed with monetary relief,Yes,No,CR1631073,3712
2015-10-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-10-30,Closed with explanation,Yes,Yes,CR1630317,5056
2015-10-28,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2015-10-29,Closed with explanation,Yes,No,CR1628907,3751
2015-10-28,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-10-29,Closed,Yes,No,CR1628447,5010
2015-10-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-10-30,Closed with explanation,Yes,No,CR1628530,1528
2015-10-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-10-30,Closed with monetary relief,Yes,No,CR1628408,834
2015-10-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-10-29,Closed with explanation,Yes,No,CR1627737,3865
2015-10-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-10-29,Closed,Yes,No,CR1626011,3309
2015-10-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-10-28,Closed with non-monetary relief,Yes,No,CR1626126,649
2015-10-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-10-28,Closed with explanation,Yes,No,CR1626618,3042
2015-10-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-10-28,Closed with explanation,Yes,No,CR1626516,3133
2015-10-26,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-10-28,Closed with explanation,Yes,No,CR1624534,9457
2015-10-26,Credit card,,Other,,,,N/A,Referral,2015-10-28,Closed with explanation,Yes,No,CR1624589,4473
2015-10-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-10-28,Closed with monetary relief,Yes,No,CR1623953,4231
2015-10-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-10-28,Closed with monetary relief,Yes,No,CR1625852,2996
2015-10-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-11-12,Closed with explanation,Yes,No,CR1625219,3492
2015-10-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-10-28,Closed with explanation,Yes,No,CR1623941,4552
2015-10-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-10-28,Closed with monetary relief,Yes,No,CR1623930,1693
2015-10-23,Credit card,,Advertising and marketing,,,,N/A,Referral,2015-11-04,Closed with explanation,Yes,No,CR1621720,1625
2015-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-10-29,Closed with explanation,Yes,No,CR1621670,3618
2015-10-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-10-26,Closed with explanation,Yes,No,CR1621549,56
2015-10-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-11-13,Closed with monetary relief,Yes,No,CR1622794,4082
2015-10-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-10-27,Closed with monetary relief,Yes,No,CR1621812,1089
2015-10-23,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Referral,2015-10-29,Closed with explanation,Yes,No,CR1621692,2613
2015-10-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-10-28,Closed with explanation,Yes,No,CR1622041,1288
2015-10-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-10-26,Closed with explanation,Yes,No,CR1620373,3431
2015-10-21,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-10-26,Closed with explanation,Yes,No,CR1617397,2567
2015-10-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-10-26,Closed with explanation,Yes,No,CR1617433,3807
2015-10-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-10-26,Closed with monetary relief,Yes,No,CR1617390,1668
2015-10-21,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-10-26,Closed with monetary relief,Yes,No,CR1617388,1826
2015-10-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-10-26,Closed with monetary relief,Yes,No,CR1617402,1702
2015-10-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-10-26,Closed with explanation,Yes,No,CR1620270,2901
2015-10-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-10-23,Closed with explanation,Yes,No,CR1616555,1830
2015-10-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-10-22,Closed with explanation,Yes,No,CR1615819,4158
2015-10-19,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-10-21,Closed with explanation,Yes,No,CR1613527,1233
2015-10-15,Credit card,,Delinquent account,,,,N/A,Referral,2015-10-19,Closed with explanation,Yes,No,CR1607857,4217
2015-10-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-10-19,Closed with monetary relief,Yes,Yes,CR1609077,3999
2015-10-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-10-19,Closed with explanation,Yes,No,CR1607718,1525
2015-10-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-10-19,Closed with monetary relief,Yes,No,CR1608795,1097
2015-10-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-10-19,Closed with explanation,Yes,Yes,CR1609052,2168
2015-10-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-10-20,Closed with explanation,Yes,No,CR1609034,1512
2015-10-14,Credit card,,Balance transfer,,,,N/A,Referral,2015-10-16,Closed with non-monetary relief,Yes,No,CR1606344,613
2015-10-14,Credit card,,Payoff process,,,Older American,N/A,Referral,2015-10-16,Closed with explanation,Yes,Yes,CR1605270,12991
2015-10-14,Credit card,,APR or interest rate,,,,N/A,Referral,2015-10-16,Closed with explanation,Yes,No,CR1606337,1683
2015-10-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-10-16,Closed with explanation,Yes,Yes,CR1606595,4315
2015-10-14,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-10-16,Closed with explanation,Yes,No,CR1606342,2227
2015-10-13,Credit card,,APR or interest rate,,,,N/A,Referral,2015-10-15,Closed with monetary relief,Yes,No,CR1604018,421
2015-10-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-10-15,Closed with monetary relief,Yes,No,CR1604022,515
2015-10-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-10-15,Closed with explanation,Yes,Yes,CR1604321,448
2015-10-09,Credit card,,Billing disputes,,,,N/A,Referral,2015-10-14,Closed with explanation,Yes,No,CR1601856,4244
2015-10-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-10-14,Closed with explanation,Yes,No,CR1601739,7724
2015-10-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-11-10,Closed with explanation,Yes,No,CR1600909,3332
2015-10-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-10-14,Closed with explanation,Yes,No,CR1600949,1567
2015-10-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-10-30,Closed with explanation,Yes,Yes,CR1601479,2924
2015-10-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-10-14,Closed with monetary relief,Yes,No,CR1600971,691
2015-10-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-10-14,Closed with monetary relief,Yes,No,CR1600525,10813
2015-10-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-10-13,Closed with explanation,Yes,Yes,CR1599653,1001
2015-10-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-10-13,Closed with monetary relief,Yes,No,CR1599642,13971
2015-10-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-10-13,Closed with explanation,Yes,No,CR1598296,1854
2015-10-08,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-10-13,Closed with explanation,Yes,Yes,CR1599980,4742
2015-10-07,Credit card,,Other,,,,N/A,Referral,2015-10-09,Closed with explanation,Yes,Yes,CR1597973,4523
2015-10-07,Credit card,,Billing disputes,,,,N/A,Referral,2015-10-09,Closed with explanation,Yes,No,CR1596948,1020
2015-10-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-10-08,Closed with explanation,Yes,No,CR1597054,1420
2015-10-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-10-09,Closed with monetary relief,Yes,No,CR1596324,921
2015-10-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2015-10-15,Closed with explanation,Yes,No,CR1597623,2216
2015-10-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-10-09,Closed with explanation,Yes,No,CR1596949,4215
2015-10-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-10-09,Closed with explanation,Yes,No,CR1596318,127
2015-10-06,Credit card,,APR or interest rate,,,,N/A,Referral,2015-10-08,Closed with explanation,Yes,No,CR1594146,7576
2015-10-05,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-10-07,Closed with explanation,Yes,No,CR1592220,11804
2015-10-05,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-10-07,Closed with explanation,Yes,No,CR1592731,290
2015-10-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-10-07,Closed with explanation,Yes,No,CR1593721,1115
2015-10-05,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2015-10-20,Closed with monetary relief,Yes,No,CR1593767,366
2015-10-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-10-07,Closed with explanation,Yes,No,CR1593722,789
2015-10-05,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2015-10-20,Closed with explanation,Yes,No,CR1593770,1278
2015-10-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-10-20,Closed with explanation,Yes,No,CR1593778,4729
2015-10-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-10-07,Closed with explanation,Yes,No,CR1593201,11943
2015-10-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-10-07,Closed with explanation,Yes,No,CR1593776,2208
2015-10-02,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-10-06,Closed with explanation,Yes,No,CR1590241,2874
2015-10-01,Credit card,,Other,,,,N/A,Referral,2015-10-05,Closed with explanation,Yes,No,CR1589168,1152
2015-10-01,Credit card,,Transaction issue,,,,N/A,Referral,2015-10-02,Closed with monetary relief,Yes,No,CR1588693,3296
2015-10-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-10-02,Closed with monetary relief,Yes,No,CR1588699,127
2015-10-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-10-02,Closed with explanation,Yes,No,CR1589463,931
2015-10-01,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-10-02,Closed with monetary relief,Yes,No,CR1588691,4494
2015-10-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-10-05,Closed with explanation,Yes,No,CR1588020,4066
2015-10-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-10-02,Closed with explanation,Yes,No,CR1589365,2065
2015-09-30,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-10-05,Closed with explanation,Yes,No,CR1587081,5472
2015-09-30,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2015-10-05,Closed with monetary relief,Yes,No,CR1587531,4464
2015-09-30,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2015-10-02,Closed with explanation,Yes,No,CR1586027,1810
2015-09-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-10-02,Closed with monetary relief,Yes,No,CR1586765,4072
2015-09-29,Credit card,,Late fee,,,,N/A,Referral,2015-10-02,Closed with non-monetary relief,Yes,Yes,CR1584163,4497
2015-09-29,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2015-09-30,Closed with explanation,Yes,No,CR1585732,444
2015-09-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-30,Closed with explanation,Yes,No,CR1584266,873
2015-09-29,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-10-01,Closed with non-monetary relief,Yes,No,CR1584070,422
2015-09-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-30,Closed with monetary relief,Yes,No,CR1584773,2601
2015-09-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-30,Closed with explanation,Yes,No,CR1584774,1868
2015-09-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-30,Closed with explanation,Yes,No,CR1582810,765
2015-09-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-30,Closed with explanation,Yes,Yes,CR1582221,8287
2015-09-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-30,Closed with monetary relief,Yes,No,CR1583683,1829
2015-09-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-09-29,Closed with explanation,Yes,No,CR1580198,3946
2015-09-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-29,Closed with monetary relief,Yes,No,CR1580229,5393
2015-09-24,Credit card,,Application processing delay,,,,N/A,Referral,2015-09-29,Closed with explanation,Yes,No,CR1578933,4406
2015-09-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-24,Closed with explanation,Yes,No,CR1578443,3128
2015-09-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-28,Closed with monetary relief,Yes,No,CR1578041,2892
2015-09-23,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-09-25,Closed with non-monetary relief,Yes,No,CR1576354,1409
2015-09-23,Credit card,,Other fee,,,,N/A,Referral,2015-09-25,Closed with monetary relief,Yes,No,CR1575599,33
2015-09-23,Credit card,,Billing disputes,,,,N/A,Referral,2015-09-28,Closed with explanation,Yes,Yes,CR1575594,1585
2015-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-25,Closed with explanation,Yes,No,CR1576622,2024
2015-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-25,Closed with explanation,Yes,No,CR1576385,7914
2015-09-22,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-09-24,Closed with explanation,Yes,No,CR1575227,655
2015-09-22,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2015-09-23,Closed with explanation,Yes,No,CR1573867,192
2015-09-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-24,Closed with monetary relief,Yes,No,CR1573783,3880
2015-09-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-24,Closed with explanation,Yes,No,CR1573775,4557
2015-09-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-23,Closed with monetary relief,Yes,No,CR1573643,3608
2015-09-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-24,Closed with explanation,Yes,No,CR1575650,4716
2015-09-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-09-24,Closed with explanation,Yes,No,CR1573862,2896
2015-09-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-27,Closed with explanation,Yes,No,CR1574790,10077
2015-09-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-09-23,Closed with monetary relief,Yes,No,CR1573864,3392
2015-09-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-24,Closed with monetary relief,Yes,No,CR1575691,4683
2015-09-21,Credit card,,APR or interest rate,,,,N/A,Referral,2015-09-24,Closed with explanation,Yes,No,CR1573342,4595
2015-09-21,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-23,Closed with explanation,Yes,Yes,CR1572047,2222
2015-09-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-24,Closed with explanation,Yes,No,CR1572740,243
2015-09-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-23,Closed with monetary relief,Yes,No,CR1573021,1102
2015-09-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-09-24,Closed with explanation,Yes,No,CR1573327,960
2015-09-18,Credit card,,Billing disputes,,,,N/A,Referral,2015-09-25,Closed with explanation,Yes,No,CR1570101,1025
2015-09-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-22,Closed with non-monetary relief,Yes,No,CR1569929,912
2015-09-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-09-17,Closed with explanation,Yes,No,CR1569420,3733
2015-09-17,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-09-22,Closed with explanation,Yes,No,CR1569469,894
2015-09-16,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2015-09-16,Closed with explanation,Yes,No,CR1566923,2543
2015-09-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-16,Closed with monetary relief,Yes,No,CR1568064,2230
2015-09-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-16,Closed with explanation,Yes,No,CR1566064,3737
2015-09-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-09-15,Closed with explanation,Yes,Yes,CR1564964,4266
2015-09-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-09-16,Closed with explanation,Yes,Yes,CR1566680,2733
2015-09-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-16,Closed with explanation,Yes,No,CR1565442,1591
2015-09-15,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-09-16,Closed with explanation,Yes,No,CR1566773,3844
2015-09-14,Credit card,,APR or interest rate,,,,N/A,Referral,2015-09-17,Closed with explanation,Yes,No,CR1563684,4199
2015-09-14,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-09-15,Closed with explanation,Yes,No,CR1563249,12851
2015-09-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-09-16,Closed with explanation,Yes,No,CR1563387,12464
2015-09-14,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-09-15,Closed with explanation,Yes,No,CR1563615,2610
2015-09-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-09-15,Closed with monetary relief,Yes,No,CR1564128,10517
2015-09-11,Credit card,,Advertising and marketing,,,,N/A,Referral,2015-09-16,Closed with explanation,Yes,No,CR1561696,4441
2015-09-10,Credit card,,APR or interest rate,,,,N/A,Referral,2015-09-14,Closed with explanation,Yes,Yes,CR1559010,3777
2015-09-10,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-09-16,Closed with monetary relief,Yes,No,CR1559982,2962
2015-09-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-16,Closed with explanation,Yes,No,CR1559130,10777
2015-09-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-14,Closed with explanation,Yes,No,CR1559626,2893
2015-09-10,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-09-15,Closed with monetary relief,Yes,No,CR1558916,1705
2015-09-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-14,Closed with monetary relief,Yes,No,CR1559119,2518
2015-09-10,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-09-14,Closed with explanation,Yes,No,CR1558498,1696
2015-09-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-14,Closed with explanation,Yes,No,CR1559897,2591
2015-09-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-14,Closed with monetary relief,Yes,No,CR1559984,3817
2015-09-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-14,Closed with explanation,Yes,No,CR1559922,4766
2015-09-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-14,Closed with explanation,Yes,Yes,CR1559913,329
2015-09-09,Credit card,,Late fee,,,,N/A,Referral,2015-09-10,Closed with explanation,Yes,No,CR1558078,9834
2015-09-09,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-09-15,Closed with non-monetary relief,Yes,No,CR1556666,13750
2015-09-09,Credit card,,Other fee,,,,N/A,Referral,2015-09-10,Closed with explanation,Yes,No,CR1557612,3738
2015-09-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-14,Closed with explanation,Yes,No,CR1557336,725
2015-09-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-09-18,Closed with explanation,Yes,No,CR1556569,1036
2015-09-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-18,Closed with explanation,Yes,No,CR1557379,2382
2015-09-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-09-10,Closed with explanation,Yes,No,CR1556273,1929
2015-09-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-10,Closed with monetary relief,Yes,No,CR1557730,2054
2015-09-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-14,Closed with explanation,Yes,No,CR1556424,1901
2015-09-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-14,Closed with explanation,Yes,No,CR1556429,3426
2015-09-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-10,Closed with explanation,Yes,Yes,CR1557752,4458
2015-09-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-15,Closed with explanation,Yes,No,CR1557631,2942
2015-09-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-10,Closed with explanation,Yes,No,CR1556200,358
2015-09-09,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2015-09-10,Closed with monetary relief,Yes,Yes,CR1556175,3204
2015-09-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-14,Closed with explanation,Yes,No,CR1556420,1148
2015-09-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-14,Closed with explanation,Yes,Yes,CR1556421,2402
2015-09-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-14,Closed with explanation,Yes,No,CR1556426,4788
2015-09-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-14,Closed with non-monetary relief,Yes,No,CR1556430,3652
2015-09-08,Credit card,,Transaction issue,,,,N/A,Referral,2015-09-14,Closed with explanation,Yes,No,CR1555960,4202
2015-09-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-09,Closed with explanation,Yes,No,CR1554665,3699
2015-09-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-09-09,Closed with explanation,Yes,Yes,CR1554688,4785
2015-09-04,Credit card,,Late fee,,,,N/A,Referral,2015-09-08,Closed with monetary relief,Yes,No,CR1553365,1673
2015-09-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-04,Closed with explanation,Yes,No,CR1552626,92
2015-09-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-05,Closed with monetary relief,Yes,No,CR1553699,4241
2015-09-04,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-09-08,Closed with explanation,Yes,No,CR1552093,2841
2015-09-03,Credit card,,Delinquent account,,,,N/A,Referral,2015-09-05,Closed with explanation,Yes,No,CR1550252,2325
2015-09-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-04,Closed with explanation,Yes,No,CR1550228,3250
2015-09-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-04,Closed with explanation,Yes,No,CR1550238,4068
2015-09-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-05,Closed with monetary relief,Yes,No,CR1551699,4054
2015-09-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-04,Closed with explanation,Yes,No,CR1550247,2677
2015-09-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-04,Closed with explanation,Yes,No,CR1550998,4672
2015-09-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-09-05,Closed with explanation,Yes,No,CR1550249,4434
2015-09-02,Credit card,,Late fee,,,,N/A,Referral,2015-09-15,Closed with explanation,Yes,No,CR1548117,386
2015-09-02,Credit card,,APR or interest rate,,,,N/A,Referral,2015-09-05,Closed with explanation,Yes,No,CR1549019,3121
2015-09-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-05,Closed with explanation,Yes,No,CR1548263,1856
2015-09-02,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-09-02,Closed with monetary relief,Yes,No,CR1549469,10
2015-09-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-09-04,Closed with monetary relief,Yes,No,CR1548270,2294
2015-09-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-02,Closed with explanation,Yes,No,CR1547738,4611
2015-09-01,Bank account or service,Savings account,"Account opening, closing, or management",,,Servicemember,N/A,Referral,2015-09-01,Closed with explanation,Yes,No,CR1547189,2490
2015-09-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-01,Closed with explanation,Yes,No,CR1547809,3372
2015-09-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-09-03,Closed with monetary relief,Yes,No,CR1546182,8333
2015-09-01,Bank account or service,Savings account,"Account opening, closing, or management",,,Servicemember,N/A,Referral,2015-09-01,Closed with explanation,Yes,No,CR1547188,568
2015-09-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-04,Closed with explanation,Yes,Yes,CR1546968,2639
2015-08-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-01,Closed with explanation,Yes,No,CR1546306,1631
2015-08-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-02,Closed with explanation,Yes,No,CR1544131,1108
2015-08-28,Credit card,,Balance transfer,,,,N/A,Referral,2015-09-14,Closed with explanation,Yes,No,CR1541395,2224
2015-08-28,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-08-31,Closed with explanation,Yes,No,CR1541516,2953
2015-08-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-08-31,Closed with non-monetary relief,Yes,Yes,CR1542808,4405
2015-08-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-14,Closed with explanation,Yes,No,CR1541793,2081
2015-08-28,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-08-31,Closed with monetary relief,Yes,No,CR1542986,4626
2015-08-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-08-31,Closed with explanation,Yes,No,CR1541573,303
2015-08-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-09-14,Closed with monetary relief,Yes,No,CR1541801,4051
2015-08-27,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-09-09,Closed with explanation,Yes,No,CR1539544,9274
2015-08-27,Credit card,,Other fee,,,,N/A,Referral,2015-09-10,Closed with monetary relief,Yes,No,CR1539565,4191
2015-08-27,Credit card,,Billing disputes,,,,N/A,Referral,2015-09-15,Closed with explanation,Yes,No,CR1541015,2735
2015-08-27,Credit card,,Transaction issue,,,,N/A,Referral,2015-09-09,Closed with monetary relief,Yes,No,CR1539537,5398
2015-08-27,Credit card,,Billing disputes,,,,N/A,Referral,2015-09-11,Closed with explanation,Yes,No,CR1540160,2833
2015-08-27,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2015-09-10,Closed with explanation,Yes,No,CR1539569,2399
2015-08-27,Credit card,,Billing disputes,,,,N/A,Referral,2015-09-11,Closed with monetary relief,Yes,No,CR1540147,2049
2015-08-27,Credit card,,Late fee,,,,N/A,Referral,2015-08-30,Closed with monetary relief,Yes,No,CR1539286,2968
2015-08-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-09-08,Closed,Yes,No,CR1539462,893
2015-08-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-08,Closed with monetary relief,Yes,No,CR1539476,1936
2015-08-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-09-08,Closed with monetary relief,Yes,Yes,CR1539033,648
2015-08-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-08-30,Closed with explanation,Yes,No,CR1539279,3265
2015-08-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-11,Closed with explanation,Yes,No,CR1539167,1170
2015-08-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-11,Closed with monetary relief,Yes,No,CR1540128,18
2015-08-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-09-11,Closed with explanation,Yes,Yes,CR1539239,3259
2015-08-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-08-31,Closed with explanation,Yes,No,CR1539294,13044
2015-08-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-09-08,Closed with explanation,Yes,No,CR1539471,728
2015-08-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-09-09,Closed with monetary relief,Yes,No,CR1539538,2692
2015-08-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-10,Closed with explanation,Yes,No,CR1539575,1865
2015-08-26,Credit card,,Other,,,,N/A,Referral,2015-09-02,Closed with explanation,Yes,No,CR1538747,14
2015-08-26,Credit card,,Other,,,,N/A,Referral,2015-09-01,Closed with explanation,Yes,No,CR1537028,11331
2015-08-26,Credit card,,Billing disputes,,,,N/A,Referral,2015-09-02,Closed with monetary relief,Yes,No,CR1537127,369
2015-08-26,Credit card,,Application processing delay,,,,N/A,Referral,2015-09-02,Closed with explanation,Yes,Yes,CR1537041,7010
2015-08-26,Credit card,,Other fee,,,,N/A,Referral,2015-09-02,Closed with explanation,Yes,No,CR1537045,3385
2015-08-26,Credit card,,APR or interest rate,,,,N/A,Referral,2015-09-15,Closed with non-monetary relief,Yes,No,CR1537632,1777
2015-08-26,Credit card,,Billing statement,,,,N/A,Referral,2015-09-04,Closed with monetary relief,Yes,No,CR1537653,3029
2015-08-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-09-02,Closed with explanation,Yes,No,CR1538740,4384
2015-08-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-09-02,Closed with explanation,Yes,No,CR1537068,6619
2015-08-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-08-31,Closed with explanation,Yes,No,CR1537147,3258
2015-08-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-08-31,Closed with explanation,Yes,No,CR1537158,366
2015-08-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-09-02,Closed with monetary relief,Yes,No,CR1537633,3807
2015-08-26,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2015-09-10,Closed with explanation,Yes,No,CR1536636,1620
2015-08-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-09-11,Closed with monetary relief,Yes,No,CR1536830,3872
2015-08-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-08-31,Closed with monetary relief,Yes,No,CR1537152,4590
2015-08-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-08-27,Closed with explanation,Yes,No,CR1537918,2326
2015-08-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-08-30,Closed with monetary relief,Yes,No,CR1536850,4686
2015-08-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-08-31,Closed with explanation,Yes,No,CR1537140,269
2015-08-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-08-31,Closed with monetary relief,Yes,No,CR1537150,3132
2015-08-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-09-08,Closed with explanation,Yes,No,CR1537668,1373
2015-08-26,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-09-11,Closed with explanation,Yes,No,CR1538685,3042
2015-08-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-08-27,Closed with monetary relief,Yes,No,CR1538082,2673
2015-08-25,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2015-08-30,Closed with explanation,Yes,No,CR1535584,1030
2015-08-25,Credit card,,Late fee,,,,N/A,Referral,2015-08-30,Closed with monetary relief,Yes,No,CR1535566,898
2015-08-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-08-26,Closed with non-monetary relief,Yes,No,CR1536099,3770
2015-08-24,Credit card,,Other,,,,N/A,Referral,2015-08-25,Closed with monetary relief,Yes,No,CR1532389,1182
2015-08-24,Credit card,,Other,,,,N/A,Referral,2015-08-26,Closed with non-monetary relief,Yes,No,CR1532349,11676
2015-08-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-08-25,Closed with explanation,Yes,Yes,CR1532292,3358
2015-08-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-08-25,Closed with explanation,Yes,No,CR1533670,4362
2015-08-24,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-08-25,Closed with explanation,Yes,No,CR1533989,11701
2015-08-21,Credit card,,Billing statement,,,,N/A,Referral,2015-08-24,Closed with explanation,Yes,Yes,CR1530259,227
2015-08-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-08-21,Closed with explanation,Yes,No,CR1529355,963
2015-08-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-08-21,Closed with monetary relief,Yes,No,CR1529325,16
2015-08-20,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2015-08-21,Closed with monetary relief,Yes,Yes,CR1529182,10828
2015-08-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-08-21,Closed with monetary relief,Yes,No,CR1528991,2053
2015-08-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-08-21,Closed with monetary relief,Yes,No,CR1529350,13404
2015-08-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-08-24,Closed with explanation,Yes,Yes,CR1529358,2026
2015-08-19,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2015-08-19,Closed with monetary relief,Yes,No,CR1525920,1197
2015-08-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-08-19,Closed with explanation,Yes,No,CR1525861,4439
2015-08-17,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-08-24,Closed with non-monetary relief,Yes,No,CR1521824,1613
2015-08-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-08-19,Closed with non-monetary relief,Yes,No,CR1521337,5460
2015-08-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-08-18,Closed with explanation,Yes,Yes,CR1521139,3333
2015-08-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-08-18,Closed with explanation,Yes,No,CR1521537,1768
2015-08-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-08-17,Closed with monetary relief,Yes,No,CR1519222,2743
2015-08-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-08-19,Closed with explanation,Yes,Yes,CR1519920,3265
2015-08-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-08-18,Closed with monetary relief,Yes,No,CR1519980,1876
2015-08-14,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-08-17,Closed with monetary relief,Yes,No,CR1519904,2673
2015-08-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-08-17,Closed with explanation,Yes,No,CR1517191,3447
2015-08-12,Credit card,,Other,,,,N/A,Referral,2015-08-13,Closed with explanation,Yes,No,CR1516235,2504
2015-08-12,Credit card,,Transaction issue,,,,N/A,Referral,2015-08-19,Closed with explanation,Yes,No,CR1516242,2548
2015-08-12,Credit card,,Late fee,,,,N/A,Referral,2015-08-19,Closed with explanation,Yes,No,CR1516257,275
2015-08-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-08-18,Closed with explanation,Yes,No,CR1514444,554
2015-08-12,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2015-08-18,Closed with monetary relief,Yes,No,CR1516833,516
2015-08-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-08-13,Closed with monetary relief,Yes,No,CR1516208,4685
2015-08-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-08-13,Closed with explanation,Yes,No,CR1516212,2507
2015-08-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-08-13,Closed with explanation,Yes,No,CR1516312,11976
2015-08-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-08-13,Closed with explanation,Yes,Yes,CR1517041,1572
2015-08-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-08-13,Closed with monetary relief,Yes,No,CR1515836,2536
2015-08-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-08-17,Closed with monetary relief,Yes,No,CR1516330,661
2015-08-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-08-18,Closed with monetary relief,Yes,No,CR1516239,9914
2015-08-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-08-19,Closed with monetary relief,Yes,No,CR1516340,1449
2015-08-12,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-08-13,Closed with explanation,Yes,No,CR1514424,3954
2015-08-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-08-18,Closed with explanation,Yes,No,CR1516248,5313
2015-08-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-08-13,Closed with monetary relief,Yes,No,CR1516263,4681
2015-08-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-08-13,Closed with explanation,Yes,No,CR1516291,3503
2015-08-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-08-11,Closed with explanation,Yes,Yes,CR1510291,3089
2015-08-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-08-06,Closed with monetary relief,Yes,No,CR1504415,2986
2015-08-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-08-06,Closed with explanation,Yes,No,CR1504320,2523
2015-08-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Referral,2015-08-06,Closed with monetary relief,Yes,No,CR1503177,3574
2015-08-04,Credit card,,Transaction issue,,,,N/A,Referral,2015-08-05,Closed with explanation,Yes,No,CR1502469,1033
2015-08-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-08-06,Closed with explanation,Yes,No,CR1502418,6185
2015-08-04,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-08-10,Closed with explanation,Yes,No,CR1502422,5468
2015-08-04,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-08-06,Closed with monetary relief,Yes,No,CR1502414,6077
2015-08-03,Credit card,,Billing disputes,,,,N/A,Referral,2015-08-05,Closed with explanation,Yes,No,CR1498979,1928
2015-08-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-08-05,Closed with explanation,Yes,No,CR1499740,3313
2015-08-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-08-10,Closed with explanation,Yes,No,CR1499762,1546
2015-08-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-08-10,Closed with monetary relief,Yes,No,CR1499747,5326
2015-07-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-08-03,Closed with monetary relief,Yes,No,CR1495682,3854
2015-07-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-08-03,Closed with explanation,Yes,No,CR1495543,3500
2015-07-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-08-03,Closed with explanation,Yes,No,CR1495280,1666
2015-07-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-08-05,Closed with explanation,Yes,No,CR1495684,4743
2015-07-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-08-03,Closed with explanation,Yes,Yes,CR1495670,4230
2015-07-30,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-08-03,Closed with explanation,Yes,No,CR1494955,1849
2015-07-30,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-08-03,Closed with explanation,Yes,No,CR1495660,3923
2015-07-28,Credit card,,Billing disputes,,,,N/A,Referral,2015-07-30,Closed with explanation,Yes,No,CR1491413,1903
2015-07-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-07-29,Closed with explanation,Yes,No,CR1491536,212
2015-07-28,Credit card,,Other,,,,N/A,Referral,2015-07-30,Closed with explanation,Yes,No,CR1491433,746
2015-07-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-07-29,Closed with monetary relief,Yes,No,CR1491429,3992
2015-07-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-07-29,Closed with explanation,Yes,No,CR1491432,4042
2015-07-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-07-29,Closed with monetary relief,Yes,No,CR1491443,2361
2015-07-28,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2015-07-29,Closed with explanation,Yes,Yes,CR1491422,13971
2015-07-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-08-11,Closed with explanation,Yes,No,CR1492105,3036
2015-07-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-07-27,Closed with explanation,Yes,No,CR1488228,3522
2015-07-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-07-29,Closed with explanation,Yes,No,CR1489211,5141
2015-07-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-07-29,Closed with explanation,Yes,No,CR1488643,158
2015-07-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-07-28,Closed with explanation,Yes,No,CR1489210,3006
2015-07-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-07-28,Closed with monetary relief,Yes,No,CR1489214,11596
2015-07-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-07-28,Closed with explanation,Yes,No,CR1488300,3937
2015-07-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-07-28,Closed with explanation,Yes,Yes,CR1489258,1673
2015-07-27,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2015-08-13,Closed with explanation,Yes,No,CR1488604,738
2015-07-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-07-25,Closed with explanation,Yes,No,CR1485514,547
2015-07-23,Credit card,,Billing disputes,,,,N/A,Referral,2015-07-24,Closed with monetary relief,Yes,No,CR1482638,914
2015-07-23,Credit card,,Billing disputes,,,Older American,N/A,Referral,2015-07-24,Closed with explanation,Yes,No,CR1483373,1914
2015-07-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-07-24,Closed with explanation,Yes,No,CR1482812,3113
2015-07-23,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2015-07-24,Closed with monetary relief,Yes,No,CR1483485,808
2015-07-21,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-07-21,Closed with explanation,Yes,Yes,CR1478505,2133
2015-07-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-07-21,Closed with monetary relief,Yes,No,CR1476842,1082
2015-07-19,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-07-20,Closed with monetary relief,Yes,No,CR1473339,118
2015-07-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-07-20,Closed with monetary relief,Yes,No,CR1473333,3073
2015-07-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-07-20,Closed with explanation,Yes,No,CR1474279,9718
2015-07-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-07-20,Closed with monetary relief,Yes,No,CR1473947,3304
2015-07-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-07-20,Closed with monetary relief,Yes,Yes,CR1474062,4495
2015-07-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-07-20,Closed with explanation,Yes,No,CR1474402,4720
2015-07-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-07-20,Closed with explanation,Yes,No,CR1472565,911
2015-07-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-07-20,Closed with explanation,Yes,No,CR1472944,748
2015-07-16,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-07-20,Closed with explanation,Yes,No,CR1472152,2167
2015-07-15,Credit card,,Billing statement,,,,N/A,Referral,2015-07-20,Closed with explanation,Yes,No,CR1468894,136
2015-07-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-07-15,Closed with monetary relief,Yes,No,CR1470066,2363
2015-07-15,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-07-15,Closed with explanation,Yes,Yes,CR1469709,11327
2015-07-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-07-16,Closed with explanation,Yes,No,CR1470546,3338
2015-07-15,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-07-16,Closed with explanation,Yes,No,CR1468676,621
2015-07-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-07-15,Closed with monetary relief,Yes,No,CR1469953,7043
2015-07-14,Credit card,,Other,,,,N/A,Referral,2015-07-15,Closed with explanation,Yes,Yes,CR1466573,4779
2015-07-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-07-15,Closed with explanation,Yes,Yes,CR1466574,7291
2015-07-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-07-21,Closed with explanation,Yes,No,CR1466557,25
2015-07-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-07-15,Closed with explanation,Yes,No,CR1466832,1580
2015-07-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-07-15,Closed with monetary relief,Yes,No,CR1466548,4325
2015-07-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-07-15,Closed with explanation,Yes,No,CR1466570,2756
2015-07-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-07-15,Closed with explanation,Yes,Yes,CR1466590,5530
2015-07-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-07-15,Closed with monetary relief,Yes,No,CR1466588,97
2015-07-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-07-15,Closed with explanation,Yes,No,CR1466578,1824
2015-07-13,Credit card,,Billing disputes,,,,N/A,Referral,2015-07-13,Closed with monetary relief,Yes,No,CR1464679,2084
2015-07-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-07-14,Closed with explanation,Yes,No,CR1465747,4412
2015-07-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-07-14,Closed with monetary relief,Yes,No,CR1466994,3234
2015-07-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-07-15,Closed with monetary relief,Yes,No,CR1467079,1341
2015-07-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-07-14,Closed with explanation,Yes,No,CR1464172,1489
2015-07-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-07-14,Closed,Yes,Yes,CR1466521,960
2015-07-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-07-14,Closed with monetary relief,Yes,No,CR1465772,410
2015-07-13,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2015-07-14,Closed with explanation,Yes,Yes,CR1465945,4925
2015-07-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-07-14,Closed with explanation,Yes,No,CR1464175,1467
2015-07-09,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2015-07-13,Closed with explanation,Yes,Yes,CR1458710,4035
2015-07-09,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2015-07-15,Closed with explanation,Yes,Yes,CR1460816,1417
2015-07-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-07-13,Closed with non-monetary relief,Yes,No,CR1460421,6511
2015-07-08,Credit card,,Cash advance fee,,,,N/A,Referral,2015-07-08,Closed with monetary relief,Yes,No,CR1457096,131
2015-07-08,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2015-07-08,Closed with explanation,Yes,No,CR1457079,1735
2015-07-08,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2015-07-08,Closed with monetary relief,Yes,No,CR1457088,4056
2015-07-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-07-09,Closed with monetary relief,Yes,No,CR1458219,6481
2015-07-08,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-07-08,Closed with explanation,Yes,No,CR1456123,3920
2015-07-07,Credit card,,Transaction issue,,,,N/A,Referral,2015-07-08,Closed with explanation,Yes,No,CR1455184,2820
2015-07-07,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-07-08,Closed with explanation,Yes,No,CR1454404,410
2015-07-06,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-07-08,Closed with explanation,Yes,No,CR1452531,13190
2015-07-02,Credit card,,Late fee,,,,N/A,Referral,2015-07-06,Closed with explanation,Yes,No,CR1450681,93
2015-07-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-07-06,Closed with monetary relief,Yes,No,CR1450230,2808
2015-07-02,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2015-07-06,Closed with monetary relief,Yes,No,CR1450256,1100
2015-07-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-07-06,Closed with monetary relief,Yes,No,CR1450275,325
2015-07-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-07-06,Closed with explanation,Yes,No,CR1450235,3316
2015-07-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-07-06,Closed with explanation,Yes,No,CR1450261,1393
2015-07-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-07-06,Closed with monetary relief,Yes,No,CR1448706,2264
2015-07-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-07-06,Closed with explanation,Yes,No,CR1450237,3776
2015-07-02,Bank account or service,Savings account,Using a debit or ATM card,,,,N/A,Referral,2015-07-06,Closed with explanation,Yes,No,CR1450263,2741
2015-07-01,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,N/A,Referral,2015-07-01,Closed with explanation,Yes,Yes,CR1448775,2260
2015-07-01,Credit card,,Rewards,,,,N/A,Referral,2015-07-08,Closed with explanation,Yes,Yes,CR1448651,3796
2015-07-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-07-02,Closed with explanation,Yes,No,CR1448779,2636
2015-07-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-07-02,Closed with explanation,Yes,No,CR1448256,1032
2015-07-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-07-01,Closed with monetary relief,Yes,No,CR1446978,2802
2015-06-30,Credit card,,Billing disputes,,,,N/A,Referral,2015-07-01,Closed with explanation,Yes,No,CR1448640,2412
2015-06-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-07-01,Closed with explanation,Yes,No,CR1446793,7348
2015-06-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-06-30,Closed with non-monetary relief,Yes,No,CR1444793,2138
2015-06-29,Credit card,,Delinquent account,,,,N/A,Referral,2015-06-30,Closed with explanation,Yes,No,CR1444418,2638
2015-06-29,Credit card,,Other fee,,,,N/A,Referral,2015-06-29,Closed with explanation,Yes,Yes,CR1442211,4113
2015-06-29,Credit card,,Billing disputes,,,,N/A,Referral,2015-06-30,Closed with explanation,Yes,No,CR1443733,282
2015-06-29,Credit card,,Late fee,,,,N/A,Referral,2015-06-30,Closed with explanation,Yes,Yes,CR1443739,5450
2015-06-29,Credit card,,Late fee,,,,N/A,Referral,2015-06-30,Closed with monetary relief,Yes,Yes,CR1442747,1878
2015-06-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-06-30,Closed with explanation,Yes,No,CR1443842,2724
2015-06-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-29,Closed with explanation,Yes,No,CR1442178,1730
2015-06-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-06-29,Closed with explanation,Yes,No,CR1441859,2715
2015-06-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-06-30,Closed with monetary relief,Yes,No,CR1443493,12378
2015-06-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-30,Closed with monetary relief,Yes,No,CR1442649,14
2015-06-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-06-30,Closed with monetary relief,Yes,No,CR1443738,887
2015-06-26,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Referral,2015-06-29,Closed with monetary relief,Yes,No,CR1440011,4372
2015-06-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-06-29,Closed with monetary relief,Yes,No,CR1440039,5277
2015-06-25,Credit card,,Forbearance / Workout plans,,,,N/A,Referral,2015-06-26,Closed with explanation,Yes,No,CR1437334,769
2015-06-25,Credit card,,Billing disputes,,,,N/A,Referral,2015-06-29,Closed with monetary relief,Yes,No,CR1438493,2239
2015-06-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-06-26,Closed with explanation,Yes,No,CR1437374,1034
2015-06-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-26,Closed with explanation,Yes,No,CR1438894,2698
2015-06-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-06-29,Closed with monetary relief,Yes,No,CR1439357,3934
2015-06-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-26,Closed with monetary relief,Yes,No,CR1437285,2786
2015-06-24,Credit card,,APR or interest rate,,,,N/A,Referral,2015-06-25,Closed with monetary relief,Yes,No,CR1436747,2974
2015-06-24,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2015-06-26,Closed with explanation,Yes,No,CR1436768,4319
2015-06-24,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Referral,2015-06-25,Closed with explanation,Yes,No,CR1435954,2785
2015-06-24,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2015-06-25,Closed with explanation,Yes,No,CR1435942,223
2015-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-26,Closed with monetary relief,Yes,No,CR1436902,13134
2015-06-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-06-25,Closed with explanation,Yes,No,CR1436722,4418
2015-06-24,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-06-25,Closed with monetary relief,Yes,No,CR1435842,1539
2015-06-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-06-25,Closed with explanation,Yes,No,CR1436176,3280
2015-06-23,Credit card,,Other,,,Older American,N/A,Referral,2015-06-23,Closed with non-monetary relief,Yes,No,CR1434583,1324
2015-06-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-06-23,Closed with explanation,Yes,No,CR1433235,4799
2015-06-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-23,Closed with monetary relief,Yes,No,CR1433195,5775
2015-06-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-06-24,Closed with monetary relief,Yes,No,CR1433241,2549
2015-06-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-06-24,Closed with explanation,Yes,No,CR1431711,962
2015-06-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-06-30,Closed with explanation,Yes,Yes,CR1432745,4116
2015-06-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-23,Closed with monetary relief,Yes,No,CR1431615,2461
2015-06-19,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-06-22,Closed with explanation,Yes,Yes,CR1429888,2796
2015-06-19,Credit card,,Other,,,,N/A,Referral,2015-06-23,Closed with explanation,Yes,No,CR1430502,4303
2015-06-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-23,Closed with monetary relief,Yes,No,CR1429798,560
2015-06-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-22,Closed with monetary relief,Yes,No,CR1429036,2450
2015-06-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-22,Closed with monetary relief,Yes,No,CR1430495,1244
2015-06-19,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-06-22,Closed with explanation,Yes,No,CR1430501,9418
2015-06-18,Credit card,,Payoff process,,,,N/A,Referral,2015-06-23,Closed with non-monetary relief,Yes,No,CR1428144,2385
2015-06-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-22,Closed with explanation,Yes,No,CR1427225,4682
2015-06-17,Credit card,,Billing disputes,,,,N/A,Referral,2015-06-19,Closed with explanation,Yes,Yes,CR1425780,358
2015-06-17,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-06-19,Closed with explanation,Yes,No,CR1424787,4460
2015-06-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-19,Closed with explanation,Yes,No,CR1425250,6485
2015-06-17,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-06-22,Closed with monetary relief,Yes,No,CR1424798,780
2015-06-16,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2015-06-17,Closed with explanation,Yes,No,CR1423375,11275
2015-06-16,Credit card,,Late fee,,,,N/A,Referral,2015-06-17,Closed with explanation,Yes,Yes,CR1422661,1082
2015-06-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-06-17,Closed with explanation,Yes,No,CR1421146,2975
2015-06-15,Credit card,,Billing disputes,,,,N/A,Referral,2015-06-17,Closed with monetary relief,Yes,No,CR1421201,3079
2015-06-15,Credit card,,Billing disputes,,,,N/A,Referral,2015-06-17,Closed with monetary relief,Yes,No,CR1421260,13924
2015-06-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-15,Closed with monetary relief,Yes,No,CR1420978,176
2015-06-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-17,Closed with explanation,Yes,No,CR1421193,275
2015-06-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-17,Closed with explanation,Yes,No,CR1420618,3131
2015-06-12,Credit card,,Transaction issue,,,,N/A,Referral,2015-06-17,Closed with explanation,Yes,No,CR1419500,2126
2015-06-12,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-06-16,Closed with explanation,Yes,No,CR1418407,4549
2015-06-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-06-16,Closed with explanation,Yes,No,CR1418225,1599
2015-06-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-06-15,Closed with monetary relief,Yes,No,CR1418774,8568
2015-06-11,Credit card,,Other,,,,N/A,Referral,2015-06-16,Closed,Yes,Yes,CR1416678,1632
2015-06-11,Credit card,,Billing disputes,,,,N/A,Referral,2015-06-16,Closed with monetary relief,Yes,No,CR1418250,3728
2015-06-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-06-15,Closed with explanation,Yes,No,CR1416735,1873
2015-06-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-16,Closed with explanation,Yes,No,CR1416683,2938
2015-06-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-06-15,Closed with monetary relief,Yes,No,CR1416070,4765
2015-06-11,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-06-15,Closed with explanation,Yes,No,CR1416581,4677
2015-06-11,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Referral,2015-06-15,Closed with explanation,Yes,Yes,CR1416810,12220
2015-06-10,Credit card,,Other fee,,,,N/A,Referral,2015-06-15,Closed with monetary relief,Yes,No,CR1414634,5128
2015-06-10,Credit card,,Closing/Cancelling account,,,"Older American, Servicemember",N/A,Referral,2015-06-15,Closed with monetary relief,Yes,No,CR1415496,1692
2015-06-10,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-06-15,Closed with explanation,Yes,Yes,CR1414144,2115
2015-06-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-06-15,Closed with explanation,Yes,No,CR1414635,13490
2015-06-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-15,Closed with explanation,Yes,No,CR1414996,3750
2015-06-09,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Referral,2015-06-10,Closed with explanation,Yes,No,CR1412784,4571
2015-06-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-11,Closed with explanation,Yes,No,CR1412529,970
2015-06-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-10,Closed with explanation,Yes,No,CR1417687,6042
2015-06-09,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-06-10,Closed with explanation,Yes,No,CR1412551,2082
2015-06-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-06-11,Closed with explanation,Yes,No,CR1412508,2588
2015-06-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-06-11,Closed with explanation,Yes,No,CR1412477,1546
2015-06-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-11,Closed with explanation,Yes,Yes,CR1412492,1923
2015-06-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-11,Closed with explanation,Yes,No,CR1412919,7339
2015-06-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-11,Closed with explanation,Yes,No,CR1413649,349
2015-06-08,Credit card,,Credit determination,,,,N/A,Referral,2015-06-10,Closed with explanation,Yes,No,CR1411242,2470
2015-06-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-08,Closed with monetary relief,Yes,No,CR1410380,2148
2015-06-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-06-11,Closed with monetary relief,Yes,No,CR1411250,666
2015-06-05,Credit card,,Other fee,,,,N/A,Referral,2015-06-09,Closed with monetary relief,Yes,No,CR1409205,4165
2015-06-05,Credit card,,Payoff process,,,,N/A,Referral,2015-06-09,Closed with explanation,Yes,No,CR1408907,3465
2015-06-05,Credit card,,Billing disputes,,,,N/A,Referral,2015-06-09,Closed with monetary relief,Yes,No,CR1409470,3584
2015-06-05,Credit card,,Billing disputes,,,,N/A,Referral,2015-06-08,Closed with explanation,Yes,No,CR1409514,255
2015-06-05,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-06-08,Closed with monetary relief,Yes,No,CR1409511,5395
2015-06-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-06-08,Closed with monetary relief,Yes,No,CR1409551,3596
2015-06-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-06-09,Closed with explanation,Yes,No,CR1408881,1694
2015-06-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-09,Closed with non-monetary relief,Yes,Yes,CR1409554,3854
2015-06-05,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-06-10,Closed with explanation,Yes,No,CR1409505,4631
2015-06-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-10,Closed with explanation,Yes,Yes,CR1409539,5384
2015-06-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-09,Closed with explanation,Yes,No,CR1409545,492
2015-06-04,Credit card,,Transaction issue,,,,N/A,Referral,2015-06-08,Closed with explanation,Yes,No,CR1406636,7863
2015-06-04,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2015-06-08,Closed with explanation,Yes,Yes,CR1405428,3660
2015-06-04,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2015-06-08,Closed with explanation,Yes,No,CR1406475,2584
2015-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-08,Closed with explanation,Yes,No,CR1406639,1672
2015-06-03,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-06-04,Closed with explanation,Yes,No,CR1404729,13468
2015-06-03,Credit card,,Other fee,,,,N/A,Referral,2015-06-08,Closed with explanation,Yes,No,CR1403470,4662
2015-06-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-06-08,Closed with explanation,Yes,No,CR1403494,2886
2015-06-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-03,Closed with explanation,Yes,No,CR1403942,794
2015-06-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-03,Closed with explanation,Yes,No,CR1404171,2099
2015-06-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-04,Closed with explanation,Yes,No,CR1404365,10209
2015-06-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-22,Closed with explanation,Yes,No,CR1403287,1090
2015-06-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-06-08,Closed with explanation,Yes,No,CR1403473,1363
2015-06-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-06-04,Closed with explanation,Yes,Yes,CR1405068,8030
2015-06-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-08,Closed with non-monetary relief,Yes,No,CR1403454,3220
2015-06-02,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-06-04,Closed with explanation,Yes,No,CR1401534,5243
2015-06-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-04,Closed with explanation,Yes,No,CR1401535,2796
2015-06-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-06-04,Closed with monetary relief,Yes,No,CR1401530,4367
2015-06-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-03,Closed with non-monetary relief,Yes,No,CR1401532,2860
2015-06-01,Credit card,,Application processing delay,,,,N/A,Referral,2015-06-03,Closed with explanation,Yes,No,CR1399608,8777
2015-05-29,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-02,Closed with explanation,Yes,No,CR1397726,656
2015-05-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-06-02,Closed with explanation,Yes,No,CR1398078,715
2015-05-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-06-02,Closed with monetary relief,Yes,No,CR1398200,927
2015-05-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-06-01,Closed with explanation,Yes,No,CR1398097,4151
2015-05-29,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-06-01,Closed with explanation,Yes,No,CR1397283,6698
2015-05-28,Credit card,,Cash advance,,,,N/A,Referral,2015-05-29,Closed with explanation,Yes,Yes,CR1395228,4654
2015-05-28,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2015-06-01,Closed with non-monetary relief,Yes,No,CR1396291,3377
2015-05-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-06-01,Closed with explanation,Yes,No,CR1396716,3354
2015-05-27,Credit card,,Other fee,,,,N/A,Referral,2015-05-29,Closed with monetary relief,Yes,No,CR1393926,225
2015-05-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-06-01,Closed with explanation,Yes,No,CR1393935,4557
2015-05-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-05-27,Closed with monetary relief,Yes,No,CR1395355,901
2015-05-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-05-28,Closed with non-monetary relief,Yes,No,CR1393879,1585
2015-05-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-05-29,Closed with explanation,Yes,Yes,CR1394224,4289
2015-05-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-27,Closed with monetary relief,Yes,Yes,CR1395351,18
2015-05-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-05-28,Closed with monetary relief,Yes,No,CR1393834,3788
2015-05-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-05-28,Closed with monetary relief,Yes,No,CR1393260,2844
2015-05-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-27,Closed with monetary relief,Yes,No,CR1393749,517
2015-05-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-05-29,Closed with monetary relief,Yes,No,CR1394443,3841
2015-05-22,Credit card,,Billing disputes,,,,N/A,Referral,2015-05-27,Closed with explanation,Yes,Yes,CR1389093,1221
2015-05-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-28,Closed with explanation,Yes,No,CR1389143,3774
2015-05-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-05-27,Closed with monetary relief,Yes,No,CR1388432,1346
2015-05-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-27,Closed with explanation,Yes,Yes,CR1389144,2184
2015-05-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-05-27,Closed with explanation,Yes,No,CR1388532,4293
2015-05-21,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-05-27,Closed with explanation,Yes,No,CR1387175,4314
2015-05-21,Credit card,,Advertising and marketing,,,,N/A,Referral,2015-05-27,Closed with explanation,Yes,No,CR1386602,12344
2015-05-21,Credit card,,Delinquent account,,,,N/A,Referral,2015-05-27,Closed with explanation,Yes,Yes,CR1387115,5028
2015-05-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-27,Closed with monetary relief,Yes,No,CR1387026,5384
2015-05-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-27,Closed with explanation,Yes,No,CR1387223,2999
2015-05-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-27,Closed with explanation,Yes,No,CR1386443,11873
2015-05-21,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-05-27,Closed with monetary relief,Yes,No,CR1387109,2260
2015-05-20,Credit card,,Billing disputes,,,,N/A,Referral,2015-05-26,Closed with explanation,Yes,No,CR1385021,2151
2015-05-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-05-26,Closed with explanation,Yes,Yes,CR1384232,3080
2015-05-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-26,Closed with explanation,Yes,No,CR1385638,3882
2015-05-19,Credit card,,APR or interest rate,,,Servicemember,N/A,Referral,2015-05-22,Closed with explanation,Yes,No,CR1382739,2703
2015-05-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-05-26,Closed with explanation,Yes,No,CR1382765,4675
2015-05-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-20,Closed with monetary relief,Yes,No,CR1382676,4612
2015-05-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-20,Closed with explanation,Yes,No,CR1383105,4604
2015-05-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-05-19,Closed with explanation,Yes,No,CR1379649,3572
2015-05-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-19,Closed with explanation,Yes,No,CR1380899,3770
2015-05-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-20,Closed with monetary relief,Yes,No,CR1379774,4407
2015-05-15,Credit card,,APR or interest rate,,,,N/A,Referral,2015-05-18,Closed with explanation,Yes,No,CR1377948,3824
2015-05-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-05-15,Closed with monetary relief,Yes,No,CR1377609,13956
2015-05-14,Credit card,,Transaction issue,,,,N/A,Referral,2015-05-15,Closed with explanation,Yes,Yes,CR1375097,3954
2015-05-14,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-05-14,Closed with explanation,Yes,No,CR1375446,4821
2015-05-14,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-05-15,Closed with non-monetary relief,Yes,No,CR1375808,3788
2015-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-14,Closed with explanation,Yes,No,CR1375799,1257
2015-05-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-05-18,Closed with non-monetary relief,Yes,No,CR1375893,4114
2015-05-14,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2015-05-15,Closed with explanation,Yes,No,CR1377485,1898
2015-05-14,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2015-05-15,Closed with explanation,Yes,No,CR1376744,1668
2015-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-15,Closed with explanation,Yes,Yes,CR1376743,4877
2015-05-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-05-15,Closed with non-monetary relief,Yes,No,CR1376751,1519
2015-05-14,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-05-18,Closed with monetary relief,Yes,No,CR1376754,526
2015-05-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-05-15,Closed with non-monetary relief,Yes,No,CR1376673,8777
2015-05-13,Credit card,,Billing statement,,,,N/A,Referral,2015-05-14,Closed with explanation,Yes,No,CR1374704,113
2015-05-12,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2015-05-13,Closed with monetary relief,Yes,No,CR1372557,706
2015-05-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-13,Closed with explanation,Yes,Yes,CR1372543,4210
2015-05-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-13,Closed with explanation,Yes,No,CR1372552,3457
2015-05-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-13,Closed with explanation,Yes,No,CR1372553,11304
2015-05-11,Credit card,,Balance transfer,,,,N/A,Referral,2015-05-12,Closed with explanation,Yes,No,CR1370143,2170
2015-05-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-12,Closed with monetary relief,Yes,No,CR1370419,542
2015-05-11,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2015-05-12,Closed with explanation,Yes,No,CR1369418,3584
2015-05-08,Credit card,,Other fee,,,,N/A,Referral,2015-05-11,Closed with monetary relief,Yes,No,CR1368464,4186
2015-05-08,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2015-05-11,Closed with non-monetary relief,Yes,No,CR1368455,13044
2015-05-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-11,Closed with monetary relief,Yes,Yes,CR1367934,1892
2015-05-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-11,Closed with explanation,Yes,No,CR1366593,3776
2015-05-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-11,Closed with monetary relief,Yes,No,CR1368459,1723
2015-05-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-05-11,Closed with monetary relief,Yes,No,CR1367942,1351
2015-05-07,Credit card,,Billing disputes,,,,N/A,Referral,2015-05-08,Closed with explanation,Yes,Yes,CR1365886,7325
2015-05-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-08,Closed with explanation,Yes,Yes,CR1366151,571
2015-05-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-08,Closed with explanation,Yes,No,CR1366013,2902
2015-05-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-05-08,Closed with explanation,Yes,No,CR1366014,4338
2015-05-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-05-11,Closed with explanation,Yes,No,CR1364649,599
2015-05-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-08,Closed with explanation,Yes,Yes,CR1365948,4273
2015-05-07,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2015-05-08,Closed with monetary relief,Yes,No,CR1366031,709
2015-05-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-08,Closed with explanation,Yes,No,CR1366033,4348
2015-05-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-05-07,Closed with non-monetary relief,Yes,No,CR1366645,437
2015-05-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-05-08,Closed with explanation,Yes,No,CR1365810,2880
2015-05-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-08,Closed with explanation,Yes,No,CR1366063,371
2015-05-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-05-07,Closed with explanation,Yes,No,CR1363998,3209
2015-05-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-07,Closed with explanation,Yes,No,CR1363995,12726
2015-05-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-05-07,Closed with explanation,Yes,No,CR1364012,4368
2015-05-05,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-05-06,Closed with explanation,Yes,No,CR1360430,4683
2015-05-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-05-06,Closed with explanation,Yes,No,CR1361006,2576
2015-05-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-05-06,Closed with explanation,Yes,No,CR1362161,2238
2015-05-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-06,Closed with explanation,Yes,No,CR1361057,4432
2015-05-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-05,Closed with explanation,Yes,No,CR1360988,4724
2015-05-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-06,Closed with monetary relief,Yes,No,CR1361298,2184
2015-05-04,Credit card,,Billing disputes,,,,N/A,Referral,2015-05-06,Closed with non-monetary relief,Yes,No,CR1358934,5859
2015-05-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-05,Closed with explanation,Yes,No,CR1358165,2447
2015-05-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-04,Closed with explanation,Yes,No,CR1358166,4093
2015-05-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-05-04,Closed with explanation,Yes,No,CR1358738,941
2015-05-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-04,Closed with monetary relief,Yes,No,CR1358772,3735
2015-05-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-05-05,Closed with explanation,Yes,No,CR1358243,2324
2015-04-30,Credit card,,Balance transfer,,,,N/A,Referral,2015-05-05,Closed with explanation,Yes,No,CR1355252,6829
2015-04-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-04,Closed with explanation,Yes,No,CR1354508,4511
2015-04-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-05-01,Closed with explanation,Yes,No,CR1354898,834
2015-04-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-01,Closed with monetary relief,Yes,No,CR1352719,937
2015-04-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-01,Closed with explanation,Yes,No,CR1352544,847
2015-04-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-01,Closed with explanation,Yes,Yes,CR1353219,8463
2015-04-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-05-01,Closed with explanation,Yes,No,CR1353249,6616
2015-04-29,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-05-08,Closed with explanation,Yes,No,CR1354107,4733
2015-04-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-05-04,Closed with explanation,Yes,Yes,CR1353369,1825
2015-04-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-05-01,Closed with explanation,Yes,No,CR1353499,1848
2015-04-27,Credit card,,Billing disputes,,,,N/A,Referral,2015-05-04,Closed with explanation,Yes,No,CR1349434,5117
2015-04-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-04-29,Closed with explanation,Yes,No,CR1345540,733
2015-04-24,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2015-04-28,Closed with monetary relief,Yes,No,CR1345771,2791
2015-04-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-04-28,Closed with explanation,Yes,No,CR1346163,859
2015-04-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-04-29,Closed with monetary relief,Yes,No,CR1345905,6892
2015-04-23,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-04-29,Closed with monetary relief,Yes,No,CR1344608,309
2015-04-23,Credit card,,Other,,,,N/A,Referral,2015-04-27,Closed with explanation,Yes,Yes,CR1345234,1684
2015-04-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-04-28,Closed with monetary relief,Yes,No,CR1345544,4796
2015-04-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-04-28,Closed with monetary relief,Yes,No,CR1345225,4315
2015-04-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-04-28,Closed with monetary relief,Yes,No,CR1345672,2291
2015-04-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-04-28,Closed with monetary relief,Yes,No,CR1345121,3428
2015-04-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-04-27,Closed with monetary relief,Yes,No,CR1345526,2661
2015-04-22,Credit card,,Transaction issue,,,,N/A,Referral,2015-04-27,Closed with monetary relief,Yes,No,CR1342864,162
2015-04-22,Credit card,,Balance transfer,,,,N/A,Referral,2015-04-27,Closed with explanation,Yes,No,CR1341627,2550
2015-04-22,Credit card,,Rewards,,,,N/A,Referral,2015-04-27,Closed with explanation,Yes,No,CR1341949,478
2015-04-22,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-04-27,Closed with explanation,Yes,No,CR1342745,2298
2015-04-22,Credit card,,Billing disputes,,,,N/A,Referral,2015-04-27,Closed with monetary relief,Yes,No,CR1343154,2238
2015-04-22,Credit card,,Balance transfer fee,,,,N/A,Referral,2015-04-27,Closed with explanation,Yes,No,CR1342743,3174
2015-04-22,Credit card,,Payoff process,,,,N/A,Referral,2015-04-27,Closed with explanation,Yes,No,CR1341629,4175
2015-04-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-04-27,Closed with monetary relief,Yes,No,CR1341632,4618
2015-04-21,Credit card,,APR or interest rate,,,,N/A,Referral,2015-04-23,Closed with explanation,Yes,No,CR1339891,4772
2015-04-21,Credit card,,Other,,,Older American,N/A,Referral,2015-04-22,Closed with explanation,Yes,No,CR1340357,3630
2015-04-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-04-23,Closed with monetary relief,Yes,No,CR1339944,4255
2015-04-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-04-22,Closed with explanation,Yes,No,CR1340623,9820
2015-04-20,Credit card,,Convenience checks,,,,N/A,Referral,2015-04-21,Closed with explanation,Yes,No,CR1337193,4268
2015-04-20,Credit card,,Late fee,,,,N/A,Referral,2015-04-22,Closed with monetary relief,Yes,No,CR1337465,3793
2015-04-20,Bank account or service,Cashing a check without an account,Problems caused by my funds being low,,,,N/A,Referral,2015-04-21,Closed with explanation,Yes,No,CR1337296,3319
2015-04-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-04-21,Closed with explanation,Yes,No,CR1338921,3888
2015-04-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-04-21,Closed,Yes,No,CR1337151,582
2015-04-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-04-22,Closed with explanation,Yes,No,CR1338216,3235
2015-04-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-04-21,Closed with explanation,Yes,No,CR1337188,227
2015-04-18,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Referral,2015-04-18,Closed with explanation,Yes,Yes,CR1336239,3427
2015-04-17,Credit card,,Late fee,,,,N/A,Referral,2015-04-22,Closed with explanation,Yes,No,CR1336063,921
2015-04-16,Credit card,,Other,,,,N/A,Referral,2015-04-20,Closed with explanation,Yes,Yes,CR1333637,8571
2015-04-16,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2015-04-20,Closed with monetary relief,Yes,No,CR1333420,2703
2015-04-16,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2015-04-20,Closed with explanation,Yes,No,CR1333774,4777
2015-04-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-04-20,Closed with explanation,Yes,No,CR1330994,2293
2015-04-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-04-20,Closed with explanation,Yes,No,CR1331026,4707
2015-04-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-04-15,Closed with explanation,Yes,No,CR1330628,4396
2015-04-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-04-15,Closed with non-monetary relief,Yes,No,CR1330022,3541
2015-04-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-04-15,Closed with explanation,Yes,No,CR1327531,3620
2015-04-13,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-04-15,Closed with explanation,Yes,No,CR1328110,1346
2015-04-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-04-15,Closed with monetary relief,Yes,No,CR1328369,4506
2015-04-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-04-15,Closed with monetary relief,Yes,No,CR1327190,7672
2015-04-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-04-15,Closed with explanation,Yes,No,CR1328298,168
2015-04-09,Credit card,,APR or interest rate,,,,N/A,Referral,2015-04-13,Closed with explanation,Yes,No,CR1322503,1255
2015-04-09,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2015-04-13,Closed with monetary relief,Yes,No,CR1324730,9946
2015-04-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-04-13,Closed with explanation,Yes,No,CR1322507,2699
2015-04-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-04-13,Closed with monetary relief,Yes,No,CR1323330,1670
2015-04-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-04-13,Closed with explanation,Yes,No,CR1324728,2089
2015-04-09,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-04-13,Closed with explanation,Yes,No,CR1322517,3479
2015-04-08,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-04-10,Closed with explanation,Yes,Yes,CR1321437,4367
2015-04-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-04-10,Closed with monetary relief,Yes,No,CR1320570,11406
2015-04-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-04-09,Closed with monetary relief,Yes,No,CR1321250,5775
2015-04-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-04-10,Closed with explanation,Yes,Yes,CR1320568,4485
2015-04-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-04-10,Closed with explanation,Yes,No,CR1321115,2010
2015-04-08,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-04-10,Closed with explanation,Yes,No,CR1321469,2684
2015-04-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-04-09,Closed with explanation,Yes,No,CR1320442,2972
2015-04-07,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2015-04-09,Closed with explanation,Yes,No,CR1319248,3534
2015-04-07,Credit card,,Payoff process,,,,N/A,Referral,2015-04-09,Closed with explanation,Yes,No,CR1319257,728
2015-04-06,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-04-08,Closed with explanation,Yes,No,CR1317157,602
2015-04-06,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-04-08,Closed with explanation,Yes,No,CR1317192,1143
2015-04-06,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-04-09,Closed with explanation,Yes,No,CR1318619,4013
2015-04-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-04-08,Closed with monetary relief,Yes,No,CR1317296,8276
2015-04-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-04-06,Closed with explanation,Yes,No,CR1317031,2612
2015-04-03,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-04-06,Closed with non-monetary relief,Yes,No,CR1315184,274
2015-04-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-04-06,Closed with non-monetary relief,Yes,No,CR1315185,2304
2015-04-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-04-06,Closed with explanation,Yes,No,CR1315533,3910
2015-04-02,Credit card,,Bankruptcy,,,,N/A,Referral,2015-04-06,Closed with explanation,Yes,Yes,CR1312535,1101
2015-04-02,Credit card,,Other,,,,N/A,Referral,2015-04-06,Closed with explanation,Yes,No,CR1312448,941
2015-04-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-04-06,Closed with monetary relief,Yes,No,CR1312437,890
2015-04-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-04-06,Closed with monetary relief,Yes,Yes,CR1312431,3619
2015-04-01,Credit card,,Privacy,,,,N/A,Referral,2015-04-03,Closed with explanation,Yes,Yes,CR1310712,3993
2015-04-01,Credit card,,Delinquent account,,,,N/A,Referral,2015-04-03,Closed with explanation,Yes,No,CR1311865,2913
2015-03-31,Credit card,,Rewards,,,,N/A,Referral,2015-04-03,Closed with monetary relief,Yes,No,CR1309209,737
2015-03-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-04-02,Closed with monetary relief,Yes,No,CR1308967,3173
2015-03-31,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Referral,2015-04-02,Closed with explanation,Yes,No,CR1308655,1440
2015-03-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-04-02,Closed with explanation,Yes,Yes,CR1309405,4250
2015-03-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-04-02,Closed with explanation,Yes,No,CR1308618,1058
2015-03-31,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-04-03,Closed with explanation,Yes,Yes,CR1308718,2681
2015-03-31,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-04-01,Closed with explanation,Yes,No,CR1307993,1187
2015-03-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-04-02,Closed with explanation,Yes,No,CR1307649,239
2015-03-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-04-02,Closed with explanation,Yes,Yes,CR1307187,1720
2015-03-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-03-30,Closed with explanation,Yes,Yes,CR1305855,4547
2015-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-04-01,Closed with monetary relief,Yes,No,CR1305134,51
2015-03-26,Credit card,,Advertising and marketing,,,,N/A,Referral,2015-03-31,Closed with explanation,Yes,No,CR1303224,4509
2015-03-26,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-04-01,Closed with explanation,Yes,No,CR1301785,4704
2015-03-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-03-30,Closed with explanation,Yes,Yes,CR1302703,4654
2015-03-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-04-01,Closed with explanation,Yes,No,CR1301932,332
2015-03-26,Bank account or service,Savings account,Using a debit or ATM card,,,,N/A,Referral,2015-03-30,Closed with monetary relief,Yes,No,CR1301934,3230
2015-03-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-03-30,Closed with explanation,Yes,No,CR1302787,4043
2015-03-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-03-31,Closed with explanation,Yes,No,CR1302640,7632
2015-03-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-04-01,Closed with explanation,Yes,No,CR1301939,4333
2015-03-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-03-30,Closed with explanation,Yes,No,CR1301948,33
2015-03-25,Credit card,,Other fee,,,,N/A,Referral,2015-03-26,Closed with explanation,Yes,Yes,CR1300482,3167
2015-03-25,Credit card,,Transaction issue,,,,N/A,Referral,2015-03-30,Closed with monetary relief,Yes,No,CR1301278,2430
2015-03-25,Credit card,,Billing disputes,,,,N/A,Referral,2015-03-31,Closed with monetary relief,Yes,No,CR1300477,3796
2015-03-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-04-13,Closed with explanation,Yes,No,CR1300385,3147
2015-03-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-03-26,Closed with explanation,Yes,No,CR1300921,1140
2015-03-25,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2015-03-30,Closed with monetary relief,Yes,No,CR1300445,4610
2015-03-24,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-03-26,Closed with explanation,Yes,No,CR1298416,1248
2015-03-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-03-26,Closed with explanation,Yes,No,CR1299194,21
2015-03-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-04-13,Closed with monetary relief,Yes,No,CR1299191,2115
2015-03-23,Credit card,,Billing disputes,,,,N/A,Referral,2015-03-26,Closed with explanation,Yes,No,CR1295960,916
2015-03-23,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-03-26,Closed with non-monetary relief,Yes,No,CR1295741,4972
2015-03-23,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2015-03-26,Closed with explanation,Yes,No,CR1295980,1881
2015-03-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-03-24,Closed with explanation,Yes,No,CR1295956,3700
2015-03-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-03-24,Closed with explanation,Yes,No,CR1295573,3457
2015-03-23,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Referral,2015-03-26,Closed with explanation,Yes,Yes,CR1296273,1686
2015-03-19,Credit card,,Other fee,,,,N/A,Referral,2015-03-25,Closed with explanation,Yes,No,CR1292990,4659
2015-03-19,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-03-25,Closed with non-monetary relief,Yes,No,CR1292088,614
2015-03-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-03-20,Closed with explanation,Yes,No,CR1291590,5254
2015-03-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-03-23,Closed with monetary relief,Yes,No,CR1292101,7683
2015-03-19,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2015-03-24,Closed with monetary relief,Yes,No,CR1291970,3084
2015-03-18,Credit card,,Billing disputes,,,,N/A,Referral,2015-03-24,Closed with explanation,Yes,No,CR1289938,3096
2015-03-18,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-03-24,Closed with explanation,Yes,No,CR1288814,1624
2015-03-18,Credit card,,Billing disputes,,,,N/A,Referral,2015-03-24,Closed with monetary relief,Yes,No,CR1289950,5163
2015-03-18,Credit card,,Other,,,,N/A,Referral,2015-03-23,Closed with explanation,Yes,No,CR1288815,4755
2015-03-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-03-24,Closed with monetary relief,Yes,No,CR1288938,21
2015-03-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-03-25,Closed with explanation,Yes,No,CR1286172,4350
2015-03-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-03-20,Closed with explanation,Yes,No,CR1287706,403
2015-03-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-03-18,Closed with explanation,Yes,No,CR1286157,4823
2015-03-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-03-23,Closed with explanation,Yes,No,CR1287689,11685
2015-03-16,Credit card,,Transaction issue,,,,N/A,Referral,2015-03-21,Closed with explanation,Yes,No,CR1285504,1667
2015-03-16,Credit card,,Other,,,,N/A,Referral,2015-03-20,Closed with explanation,Yes,No,CR1284464,3662
2015-03-16,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2015-03-20,Closed with explanation,Yes,Yes,CR1285224,3377
2015-03-16,Credit card,,Transaction issue,,,,N/A,Referral,2015-03-23,Closed with explanation,Yes,No,CR1285356,11794
2015-03-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-03-20,Closed with explanation,Yes,No,CR1285502,876
2015-03-16,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-03-20,Closed with explanation,Yes,No,CR1285523,3438
2015-03-16,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-03-17,Closed with explanation,Yes,No,CR1285512,1293
2015-03-13,Credit card,,Other,,,Servicemember,N/A,Referral,2015-03-16,Closed with explanation,Yes,No,CR1281894,3426
2015-03-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-03-19,Closed with explanation,Yes,No,CR1282835,4055
2015-03-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-03-18,Closed with explanation,Yes,Yes,CR1282857,1242
2015-03-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-03-20,Closed with explanation,Yes,No,CR1282860,2776
2015-03-13,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-03-18,Closed with explanation,Yes,No,CR1282832,2308
2015-03-12,Credit card,,Payoff process,,,,N/A,Referral,2015-03-19,Closed with explanation,Yes,No,CR1279973,1487
2015-03-12,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2015-03-16,Closed with non-monetary relief,Yes,No,CR1280517,4180
2015-03-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-03-18,Closed with explanation,Yes,No,CR1281326,2953
2015-03-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-03-16,Closed with monetary relief,Yes,No,CR1279087,4194
2015-03-11,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-03-18,Closed with explanation,Yes,No,CR1278587,4476
2015-03-11,Credit card,,Advertising and marketing,,,,N/A,Referral,2015-03-18,Closed with explanation,Yes,No,CR1278585,8777
2015-03-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-03-18,Closed with monetary relief,Yes,No,CR1278746,2605
2015-03-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-03-18,Closed with explanation,Yes,Yes,CR1276996,3696
2015-03-11,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-03-17,Closed with explanation,Yes,No,CR1277384,4306
2015-03-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-03-16,Closed with explanation,Yes,No,CR1277723,2701
2015-03-10,Credit card,,Billing disputes,,,,N/A,Referral,2015-03-16,Closed with monetary relief,Yes,No,CR1275694,813
2015-03-10,Credit card,,Balance transfer,,,,N/A,Referral,2015-03-16,Closed with explanation,Yes,No,CR1275592,2178
2015-03-10,Credit card,,Other fee,,,,N/A,Referral,2015-03-16,Closed with explanation,Yes,No,CR1276061,3719
2015-03-09,Credit card,,Other,,,,N/A,Referral,2015-03-13,Closed with explanation,Yes,No,CR1273716,312
2015-03-09,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-03-13,Closed with explanation,Yes,No,CR1273592,15
2015-03-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-03-11,Closed with explanation,Yes,No,CR1273462,3337
2015-03-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-03-11,Closed with explanation,Yes,Yes,CR1274069,1806
2015-03-09,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-03-13,Closed with explanation,Yes,No,CR1273344,1466
2015-03-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-03-13,Closed with explanation,Yes,Yes,CR1272675,96
2015-03-05,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Referral,2015-03-11,Closed with explanation,Yes,No,CR1268587,845
2015-03-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-03-10,Closed with explanation,Yes,No,CR1269785,5526
2015-03-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-03-09,Closed with monetary relief,Yes,No,CR1270121,1593
2015-03-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-03-06,Closed with monetary relief,Yes,No,CR1269625,559
2015-03-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-03-10,Closed with explanation,Yes,Yes,CR1269703,3834
2015-03-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-03-06,Closed with monetary relief,Yes,No,CR1269830,1725
2015-03-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-03-10,Closed with explanation,Yes,No,CR1270124,3315
2015-03-04,Credit card,,Other fee,,,,N/A,Referral,2015-03-06,Closed with explanation,Yes,No,CR1267154,1257
2015-03-04,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-03-06,Closed with non-monetary relief,Yes,No,CR1267164,2287
2015-03-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-03-10,Closed with monetary relief,Yes,No,CR1267310,420
2015-03-03,Credit card,,APR or interest rate,,,,N/A,Referral,2015-03-10,Closed with explanation,Yes,No,CR1266715,4314
2015-03-03,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-03-09,Closed with explanation,Yes,No,CR1264964,182
2015-03-03,Credit card,,Other,,,,N/A,Referral,2015-03-10,Closed with non-monetary relief,Yes,No,CR1266700,3509
2015-03-02,Credit card,,Other fee,,,,N/A,Referral,2015-03-09,Closed with explanation,Yes,No,CR1264502,3329
2015-03-02,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2015-03-09,Closed with monetary relief,Yes,No,CR1264796,2001
2015-03-02,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-03-04,Closed with explanation,Yes,Yes,CR1263312,4
2015-03-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-03-03,Closed with explanation,Yes,Yes,CR1265969,3164
2015-02-27,Credit card,,Other,,,,N/A,Referral,2015-03-04,Closed with explanation,Yes,Yes,CR1260649,5254
2015-02-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-03-03,Closed with explanation,Yes,No,CR1260668,4427
2015-02-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-03-03,Closed with explanation,Yes,No,CR1258499,6452
2015-02-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-03-02,Closed with explanation,Yes,Yes,CR1258530,2084
2015-02-25,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2015-03-03,Closed with explanation,Yes,No,CR1256223,3515
2015-02-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-03-03,Closed with monetary relief,Yes,No,CR1256633,2387
2015-02-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-02-26,Closed with monetary relief,Yes,No,CR1255892,10023
2015-02-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-02-26,Closed with explanation,Yes,No,CR1256635,4210
2015-02-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-03-03,Closed with non-monetary relief,Yes,No,CR1254743,3154
2015-02-23,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-02-27,Closed with monetary relief,Yes,No,CR1251800,4342
2015-02-23,Credit card,,Other fee,,,,N/A,Referral,2015-02-27,Closed with monetary relief,Yes,No,CR1251629,4367
2015-02-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-02-25,Closed with explanation,Yes,No,CR1251608,3755
2015-02-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-02-27,Closed with explanation,Yes,No,CR1251597,13044
2015-02-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-02-27,Closed with explanation,Yes,No,CR1251603,2321
2015-02-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-02-25,Closed with explanation,Yes,No,CR1252170,568
2015-02-23,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2015-02-25,Closed with explanation,Yes,No,CR1252092,426
2015-02-23,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-02-26,Closed with explanation,Yes,No,CR1251532,13690
2015-02-19,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-02-20,Closed with non-monetary relief,Yes,Yes,CR1247480,2881
2015-02-19,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Referral,2015-02-20,Closed with explanation,Yes,Yes,CR1246448,4149
2015-02-18,Credit card,,Other,,,,N/A,Referral,2015-02-24,Closed with explanation,Yes,No,CR1245145,9616
2015-02-18,Credit card,,APR or interest rate,,,,N/A,Referral,2015-02-24,Closed with explanation,Yes,Yes,CR1245153,82
2015-02-18,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2015-02-20,Closed with monetary relief,Yes,No,CR1245636,13090
2015-02-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-02-25,Closed with explanation,Yes,No,CR1244971,6015
2015-02-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-02-20,Closed with monetary relief,Yes,No,CR1245151,1881
2015-02-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-02-25,Closed with explanation,Yes,No,CR1245734,678
2015-02-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-02-20,Closed with monetary relief,Yes,No,CR1245126,5354
2015-02-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-02-20,Closed with explanation,Yes,Yes,CR1244997,3019
2015-02-17,Credit card,,Payoff process,,,,N/A,Referral,2015-02-25,Closed with monetary relief,Yes,No,CR1242853,2580
2015-02-17,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-02-18,Closed with non-monetary relief,Yes,No,CR1242850,2909
2015-02-17,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2015-02-18,Closed with non-monetary relief,Yes,Yes,CR1242828,3766
2015-02-12,Credit card,,Other,,,,N/A,Referral,2015-02-19,Closed with explanation,Yes,No,CR1239632,2199
2015-02-12,Credit card,,Billing statement,,,,N/A,Referral,2015-02-19,Closed with non-monetary relief,Yes,No,CR1237189,3373
2015-02-12,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2015-02-18,Closed with explanation,Yes,No,CR1237874,3088
2015-02-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-02-18,Closed with monetary relief,Yes,No,CR1237196,6698
2015-02-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-02-18,Closed with explanation,Yes,Yes,CR1237902,5277
2015-02-11,Credit card,,Overlimit fee,,,,N/A,Referral,2015-02-18,Closed with explanation,Yes,No,CR1235864,5860
2015-02-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-02-18,Closed with monetary relief,Yes,No,CR1235850,4254
2015-02-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-02-18,Closed with monetary relief,Yes,No,CR1235002,555
2015-02-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-02-18,Closed with monetary relief,Yes,No,CR1235834,7423
2015-02-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-02-18,Closed with explanation,Yes,No,CR1236629,3251
2015-02-10,Credit card,,Rewards,,,,N/A,Referral,2015-02-24,Closed with explanation,Yes,Yes,CR1233851,44
2015-02-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-02-13,Closed with non-monetary relief,Yes,No,CR1233701,3403
2015-02-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-02-18,Closed with monetary relief,Yes,No,CR1232860,3057
2015-02-09,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2015-02-11,Closed with explanation,Yes,No,CR1231775,1093
2015-02-09,Credit card,,Transaction issue,,,,N/A,Referral,2015-02-12,Closed with non-monetary relief,Yes,No,CR1230706,1534
2015-02-09,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-02-12,Closed with explanation,Yes,No,CR1231927,5246
2015-02-09,Credit card,,APR or interest rate,,,,N/A,Referral,2015-02-12,Closed with explanation,Yes,No,CR1232051,12145
2015-02-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-02-09,Closed with explanation,Yes,Yes,CR1231376,1371
2015-02-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-02-10,Closed with monetary relief,Yes,No,CR1231579,1728
2015-02-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-02-10,Closed with explanation,Yes,No,CR1232974,849
2015-02-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-02-09,Closed with explanation,Yes,No,CR1231307,564
2015-02-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-02-10,Closed with explanation,Yes,No,CR1231558,11874
2015-02-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-02-11,Closed with explanation,Yes,No,CR1231438,2824
2015-02-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-02-10,Closed with explanation,Yes,No,CR1232935,3101
2015-02-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-02-06,Closed with monetary relief,Yes,Yes,CR1228388,2874
2015-02-05,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-02-06,Closed with explanation,Yes,Yes,CR1226076,3161
2015-02-05,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2015-02-09,Closed with explanation,Yes,No,CR1226034,3679
2015-02-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-02-05,Closed with explanation,Yes,No,CR1226680,43
2015-02-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-02-06,Closed,Yes,No,CR1226087,29
2015-02-04,Credit card,,Billing disputes,,,,N/A,Referral,2015-02-05,Closed with explanation,Yes,No,CR1226063,4361
2015-02-04,Credit card,,Rewards,,,,N/A,Referral,2015-02-06,Closed with explanation,Yes,No,CR1223934,11943
2015-02-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-02-04,Closed with monetary relief,Yes,No,CR1224580,1079
2015-02-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-02-05,Closed with explanation,Yes,Yes,CR1225487,936
2015-02-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-02-09,Closed with explanation,Yes,No,CR1225529,3293
2015-02-04,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2015-02-05,Closed with explanation,Yes,Yes,CR1225332,2415
2015-02-03,Credit card,,Cash advance fee,,,,N/A,Referral,2015-02-04,Closed with explanation,Yes,Yes,CR1221839,9776
2015-02-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-02-04,Closed with explanation,Yes,Yes,CR1221589,3801
2015-02-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-02-04,Closed with explanation,Yes,No,CR1222546,5180
2015-02-02,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2015-03-10,Closed with explanation,Yes,No,CR1222072,3371
2015-02-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-02-04,Closed with monetary relief,Yes,No,CR1220879,1986
2015-02-02,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-02-04,Closed with explanation,Yes,No,CR1223391,3305
2015-01-30,Credit card,,Late fee,,,,N/A,Referral,2015-02-04,Closed with non-monetary relief,Yes,Yes,CR1218764,52
2015-01-30,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2015-02-03,Closed with explanation,Yes,No,CR1218698,1057
2015-01-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-02-02,Closed with explanation,Yes,No,CR1215713,208
2015-01-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-02-02,Closed with monetary relief,Yes,Yes,CR1216440,2425
2015-01-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-02-02,Closed with explanation,Yes,No,CR1215668,13098
2015-01-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-02-03,Closed with monetary relief,Yes,No,CR1216401,4262
2015-01-29,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Referral,2015-02-03,Closed with explanation,Yes,No,CR1216191,1901
2015-01-28,Credit card,,Other,,,,N/A,Referral,2015-01-29,Closed with monetary relief,Yes,No,CR1215204,183
2015-01-28,Credit card,,Other,,,,N/A,Referral,2015-02-02,Closed with explanation,Yes,No,CR1214279,13412
2015-01-28,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2015-02-03,Closed with explanation,Yes,Yes,CR1214978,4364
2015-01-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-02-02,Closed with explanation,Yes,No,CR1213200,2345
2015-01-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-01-29,Closed with explanation,Yes,Yes,CR1215473,4295
2015-01-27,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2015-01-29,Closed with explanation,Yes,No,CR1212030,5699
2015-01-27,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2015-01-29,Closed with explanation,Yes,No,CR1211821,3060
2015-01-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-01-30,Closed with explanation,Yes,No,CR1212410,1944
2015-01-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-01-29,Closed with monetary relief,Yes,No,CR1212127,450
2015-01-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-01-30,Closed with monetary relief,Yes,No,CR1212090,2577
2015-01-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-01-29,Closed with explanation,Yes,No,CR1211926,4329
2015-01-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-01-27,Closed with explanation,Yes,No,CR1209614,1674
2015-01-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-01-29,Closed with explanation,Yes,No,CR1209530,653
2015-01-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-01-27,Closed with explanation,Yes,No,CR1209963,6342
2015-01-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-01-27,Closed with explanation,Yes,No,CR1209765,3181
2015-01-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-01-26,Closed with explanation,Yes,No,CR1209546,1003
2015-01-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-01-27,Closed with explanation,Yes,No,CR1209957,1692
2015-01-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-01-27,Closed with explanation,Yes,No,CR1206923,2821
2015-01-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-01-28,Closed with explanation,Yes,No,CR1206473,3310
2015-01-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2015-01-27,Closed with monetary relief,Yes,No,CR1204892,641
2015-01-22,Credit card,,Billing disputes,,,,N/A,Referral,2015-01-26,Closed with monetary relief,Yes,Yes,CR1204180,1090
2015-01-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-01-28,Closed with explanation,Yes,No,CR1204186,4268
2015-01-22,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Referral,2015-01-27,Closed with non-monetary relief,Yes,No,CR1204215,461
2015-01-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-01-27,Closed with explanation,Yes,No,CR1204331,302
2015-01-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-01-26,Closed with monetary relief,Yes,No,CR1204465,807
2015-01-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-01-28,Closed with monetary relief,Yes,No,CR1204159,2506
2015-01-22,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2015-01-26,Closed with explanation,Yes,Yes,CR1204162,3905
2015-01-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-01-26,Closed with monetary relief,Yes,No,CR1204641,1662
2015-01-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2015-01-27,Closed with explanation,Yes,No,CR1204171,1661
2015-01-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-01-26,Closed with explanation,Yes,Yes,CR1201766,4809
2015-01-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-01-23,Closed with explanation,Yes,No,CR1201101,3936
2015-01-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-01-23,Closed with monetary relief,Yes,No,CR1201477,394
2015-01-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-01-21,Closed with explanation,Yes,No,CR1199712,827
2015-01-16,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-01-21,Closed with explanation,Yes,No,CR1196821,2762
2015-01-15,Credit card,,Other,,,,N/A,Referral,2015-01-20,Closed with explanation,Yes,No,CR1195173,2618
2015-01-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-01-20,Closed with explanation,Yes,No,CR1195008,6895
2015-01-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-01-20,Closed with monetary relief,Yes,No,CR1194201,2390
2015-01-14,Credit card,,Billing disputes,,,,N/A,Referral,2015-01-16,Closed with explanation,Yes,No,CR1193107,1037
2015-01-14,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2015-01-16,Closed with explanation,Yes,No,CR1193264,263
2015-01-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-01-16,Closed with monetary relief,Yes,No,CR1193210,554
2015-01-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-01-14,Closed with monetary relief,Yes,No,CR1193590,82
2015-01-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-01-14,Closed with explanation,Yes,Yes,CR1191523,9946
2015-01-13,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Referral,2015-01-13,Closed with explanation,Yes,Yes,CR1205593,12324
2015-01-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-01-15,Closed with explanation,Yes,No,CR1193994,4414
2015-01-12,Credit card,,Billing disputes,,,,N/A,Referral,2015-01-13,Closed with monetary relief,Yes,No,CR1191217,2936
2015-01-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-01-15,Closed with explanation,Yes,No,CR1190335,3983
2015-01-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-01-15,Closed with explanation,Yes,No,CR1190347,12133
2015-01-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-01-14,Closed with explanation,Yes,No,CR1189161,4390
2015-01-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-01-12,Closed with monetary relief,Yes,No,CR1188120,2192
2015-01-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-01-07,Closed with explanation,Yes,No,CR1184550,3084
2015-01-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-01-13,Closed with monetary relief,Yes,No,CR1185075,535
2015-01-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-01-12,Closed with explanation,Yes,No,CR1184428,3322
2015-01-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-01-12,Closed with explanation,Yes,No,CR1185309,3208
2015-01-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-01-13,Closed with explanation,Yes,No,CR1185169,616
2015-01-07,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Referral,2015-01-09,Closed,Yes,No,CR1185760,1263
2015-01-07,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-01-09,Closed with explanation,Yes,No,CR1183735,4040
2015-01-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-01-09,Closed with explanation,Yes,No,CR1185716,3207
2015-01-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-01-09,Closed with explanation,Yes,Yes,CR1185148,1035
2015-01-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2015-01-07,Closed with monetary relief,Yes,No,CR1183747,2599
2015-01-05,Credit card,,Other fee,,,,N/A,Referral,2015-01-09,Closed with explanation,Yes,No,CR1180553,2734
2015-01-05,Credit card,,Other,,,,N/A,Referral,2015-01-09,Closed with explanation,Yes,No,CR1181764,2129
2015-01-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-01-05,Closed with monetary relief,Yes,No,CR1183201,4766
2015-01-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2015-01-07,Closed with explanation,Yes,No,CR1181145,2823
2015-01-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-01-06,Closed with explanation,Yes,No,CR1180169,215
2015-01-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-01-05,Closed with monetary relief,Yes,No,CR1178319,4606
2015-01-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-01-05,Closed with non-monetary relief,Yes,No,CR1178338,3700
2015-01-02,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2015-01-07,Closed with monetary relief,Yes,No,CR1179176,5337
2015-01-02,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-01-05,Closed with explanation,Yes,No,CR1179109,4594
2015-01-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-01-05,Closed with explanation,Yes,No,CR1179063,10778
2014-12-31,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2015-01-07,Closed with explanation,Yes,Yes,CR1176903,341
2014-12-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2015-01-05,Closed with explanation,Yes,No,CR1174328,1630
2014-12-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-12-31,Closed with monetary relief,Yes,No,CR1175231,736
2014-12-30,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2015-01-05,Closed with monetary relief,Yes,No,CR1174310,1014
2014-12-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2015-01-07,Closed with explanation,Yes,No,CR1175564,6359
2014-12-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-01-06,Closed with explanation,Yes,No,CR1175562,4263
2014-12-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-12-30,Closed with explanation,Yes,No,CR1173955,2840
2014-12-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-01-05,Closed with monetary relief,Yes,No,CR1173833,2538
2014-12-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2015-01-05,Closed with explanation,Yes,No,CR1173823,1497
2014-12-24,Credit card,,Billing disputes,,,,N/A,Referral,2014-12-30,Closed with explanation,Yes,No,CR1170427,3446
2014-12-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-12-30,Closed with monetary relief,Yes,No,CR1170729,2569
2014-12-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-12-31,Closed with explanation,Yes,No,CR1170777,1262
2014-12-23,Credit card,,Other fee,,,,N/A,Referral,2014-12-30,Closed with monetary relief,Yes,No,CR1167802,1534
2014-12-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-12-29,Closed with monetary relief,Yes,No,CR1169326,3006
2014-12-23,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2014-12-29,Closed with monetary relief,Yes,No,CR1169204,7166
2014-12-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-12-30,Closed with explanation,Yes,No,CR1169493,1067
2014-12-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-12-30,Closed with explanation,Yes,No,CR1167749,235
2014-12-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-12-29,Closed with explanation,Yes,No,CR1168899,2684
2014-12-23,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2015-01-02,Closed with monetary relief,Yes,No,CR1167805,516
2014-12-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-12-30,Closed with monetary relief,Yes,Yes,CR1169275,4325
2014-12-23,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2014-12-29,Closed with explanation,Yes,No,CR1167719,1584
2014-12-22,Credit card,,Other,,,Older American,N/A,Referral,2014-12-29,Closed with explanation,Yes,No,CR1168420,4679
2014-12-22,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-12-24,Closed with explanation,Yes,No,CR1166505,1156
2014-12-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-12-29,Closed with explanation,Yes,No,CR1166603,2422
2014-12-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-12-24,Closed with monetary relief,Yes,No,CR1165986,1046
2014-12-22,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-12-22,Closed with explanation,Yes,No,CR1166125,4630
2014-12-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-12-24,Closed with explanation,Yes,No,CR1166405,3038
2014-12-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2014-12-29,Closed with explanation,Yes,Yes,CR1167260,4352
2014-12-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-12-29,Closed with explanation,Yes,No,CR1166589,2359
2014-12-22,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-12-29,Closed with explanation,Yes,No,CR1166587,1024
2014-12-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-12-22,Closed with explanation,Yes,No,CR1164495,4075
2014-12-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-12-22,Closed with monetary relief,Yes,No,CR1164321,3701
2014-12-18,Credit card,,Other fee,,,,N/A,Referral,2014-12-19,Closed with explanation,Yes,No,CR1162577,1754
2014-12-18,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2014-12-19,Closed with explanation,Yes,No,CR1162119,3166
2014-12-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-12-19,Closed with monetary relief,Yes,No,CR1162546,3196
2014-12-18,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-12-19,Closed with monetary relief,Yes,No,CR1162679,3612
2014-12-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-12-18,Closed with monetary relief,Yes,No,CR1163958,1350
2014-12-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-12-18,Closed,Yes,No,CR1160990,3964
2014-12-17,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-12-18,Closed with explanation,Yes,No,CR1160520,67
2014-12-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-12-18,Closed with monetary relief,Yes,No,CR1160509,2218
2014-12-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-12-18,Closed with explanation,Yes,No,CR1160510,2690
2014-12-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-12-18,Closed with explanation,Yes,Yes,CR1160563,1777
2014-12-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-12-18,Closed with monetary relief,Yes,No,CR1160539,1607
2014-12-16,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2014-12-17,Closed with explanation,Yes,Yes,CR1159473,573
2014-12-16,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Referral,2014-12-17,Closed with explanation,Yes,Yes,CR1159393,3459
2014-12-15,Credit card,,APR or interest rate,,,,N/A,Referral,2014-12-17,Closed with explanation,Yes,No,CR1156794,4400
2014-12-15,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Referral,2014-12-16,Closed with explanation,Yes,No,CR1156939,2408
2014-12-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-12-17,Closed with monetary relief,Yes,No,CR1156973,2394
2014-12-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-12-17,Closed with monetary relief,Yes,No,CR1157213,1003
2014-12-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-12-17,Closed with explanation,Yes,No,CR1156747,2826
2014-12-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-12-16,Closed with explanation,Yes,No,CR1156685,4659
2014-12-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-12-15,Closed with monetary relief,Yes,No,CR1154485,11755
2014-12-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2014-12-15,Closed with explanation,Yes,No,CR1155103,9997
2014-12-12,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-12-15,Closed with explanation,Yes,No,CR1155173,1837
2014-12-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-12-15,Closed with explanation,Yes,No,CR1153329,1774
2014-12-10,Credit card,,Other fee,,,,N/A,Referral,2014-12-12,Closed with explanation,Yes,No,CR1150689,1490
2014-12-10,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2014-12-12,Closed with explanation,Yes,Yes,CR1150812,3870
2014-12-10,Credit card,,Late fee,,,,N/A,Referral,2014-12-12,Closed with monetary relief,Yes,No,CR1150721,3461
2014-12-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-12-11,Closed with explanation,Yes,No,CR1151039,12599
2014-12-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-12-11,Closed with explanation,Yes,No,CR1151114,1190
2014-12-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-12-12,Closed with explanation,Yes,No,CR1150157,1788
2014-12-08,Credit card,,Other fee,,,,N/A,Referral,2014-12-11,Closed with explanation,Yes,No,CR1146695,215
2014-12-08,Credit card,,Late fee,,,,N/A,Referral,2014-12-11,Closed with explanation,Yes,Yes,CR1146477,480
2014-12-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-12-08,Closed with explanation,Yes,No,CR1146712,3685
2014-12-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-12-08,Closed with non-monetary relief,Yes,Yes,CR1147073,3479
2014-12-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-12-09,Closed with monetary relief,Yes,No,CR1147072,6034
2014-12-05,Credit card,,Billing disputes,,,,N/A,Referral,2014-12-08,Closed with explanation,Yes,No,CR1144743,621
2014-12-04,Credit card,,Other,,,,N/A,Referral,2014-12-08,Closed with explanation,Yes,Yes,CR1142322,11873
2014-12-04,Credit card,,Late fee,,,,N/A,Referral,2014-12-08,Closed with explanation,Yes,No,CR1143114,2037
2014-12-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-12-08,Closed with monetary relief,Yes,No,CR1143061,5526
2014-12-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-12-05,Closed with explanation,Yes,No,CR1143609,4134
2014-12-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-12-05,Closed with explanation,Yes,No,CR1145854,1968
2014-12-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-12-08,Closed with explanation,Yes,No,CR1142932,665
2014-12-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-12-05,Closed with explanation,Yes,No,CR1142936,2155
2014-12-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-12-05,Closed with explanation,Yes,No,CR1142208,2640
2014-12-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-12-09,Closed with monetary relief,Yes,No,CR1142996,3115
2014-12-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-12-08,Closed with explanation,Yes,No,CR1143695,10201
2014-12-04,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2014-12-09,Closed with explanation,Yes,No,CR1142934,2707
2014-12-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-12-08,Closed with monetary relief,Yes,No,CR1142296,516
2014-12-03,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Referral,2014-12-09,Closed with explanation,Yes,No,CR1141486,2826
2014-12-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-12-08,Closed with explanation,Yes,No,CR1141042,1528
2014-12-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-12-05,Closed with explanation,Yes,No,CR1139094,5
2014-12-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-12-03,Closed with explanation,Yes,Yes,CR1138595,1081
2014-12-01,Credit card,,Balance transfer,,,,N/A,Referral,2014-12-01,Closed with explanation,Yes,No,CR1137052,1692
2014-12-01,Credit card,,Late fee,,,,N/A,Referral,2014-12-03,Closed with explanation,Yes,No,CR1137058,7614
2014-11-28,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2014-12-03,Closed with explanation,Yes,No,CR1135109,4673
2014-11-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-12-01,Closed with explanation,Yes,No,CR1134540,4551
2014-11-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-11-26,Closed with explanation,Yes,Yes,CR1132612,4821
2014-11-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-12-03,Closed with explanation,Yes,No,CR1132669,102
2014-11-25,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Referral,2014-12-03,Closed with explanation,Yes,No,CR1131356,3652
2014-11-25,Credit card,,Payoff process,,,,N/A,Referral,2014-12-03,Closed with explanation,Yes,No,CR1131676,2870
2014-11-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-12-03,Closed with explanation,Yes,No,CR1130230,4075
2014-11-24,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-12-02,Closed with monetary relief,Yes,No,CR1129303,2716
2014-11-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-11-28,Closed with explanation,Yes,No,CR1128436,1383
2014-11-21,Credit card,,Other,,,,N/A,Referral,2014-12-01,Closed with explanation,Yes,No,CR1136413,814
2014-11-21,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Referral,2014-11-25,Closed with monetary relief,Yes,No,CR1130468,1696
2014-11-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-11-28,Closed with explanation,Yes,Yes,CR1134785,2178
2014-11-21,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2014-12-01,Closed with non-monetary relief,Yes,No,CR1128378,2005
2014-11-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-11-25,Closed with explanation,Yes,Yes,CR1130371,4656
2014-11-20,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Referral,2014-11-24,Closed with explanation,Yes,No,CR1127558,2894
2014-11-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-11-26,Closed with explanation,Yes,No,CR1127167,3965
2014-11-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-11-25,Closed with explanation,Yes,No,CR1130370,1947
2014-11-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-11-24,Closed with explanation,Yes,No,CR1128090,7348
2014-11-20,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2014-11-25,Closed with explanation,Yes,No,CR1130412,3714
2014-11-19,Credit card,,Billing disputes,,,,N/A,Referral,2014-11-20,Closed with explanation,Yes,Yes,CR1126728,4449
2014-11-19,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2014-12-08,Closed with explanation,Yes,No,CR1145757,1461
2014-11-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-11-21,Closed with monetary relief,Yes,No,CR1140300,863
2014-11-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-11-21,Closed with monetary relief,Yes,Yes,CR1134685,2609
2014-11-19,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2014-11-24,Closed with non-monetary relief,Yes,Yes,CR1127970,3730
2014-11-18,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2014-11-21,Closed with explanation,Yes,No,CR1122430,3916
2014-11-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-11-21,Closed with explanation,Yes,No,CR1122424,6936
2014-11-17,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-11-21,Closed with monetary relief,Yes,No,CR1119257,1511
2014-11-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-11-18,Closed with explanation,Yes,No,CR1120750,681
2014-11-14,Credit card,,Arbitration,,,,N/A,Referral,2014-11-14,Closed with explanation,Yes,No,CR1117914,352
2014-11-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-11-17,Closed with explanation,Yes,No,CR1118018,1187
2014-11-13,Credit card,,Cash advance,,,,N/A,Referral,2014-11-18,Closed with explanation,Yes,No,CR1115697,1277
2014-11-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-11-19,Closed with explanation,Yes,No,CR1114717,3274
2014-11-13,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2014-11-18,Closed with explanation,Yes,No,CR1114525,1904
2014-11-12,Credit card,,Delinquent account,,,,N/A,Referral,2014-11-17,Closed with explanation,Yes,No,CR1115635,10563
2014-11-12,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-11-14,Closed with explanation,Yes,Yes,CR1112654,229
2014-11-10,Credit card,,APR or interest rate,,,,N/A,Referral,2014-11-14,Closed with monetary relief,Yes,No,CR1109322,2034
2014-11-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-12-15,Closed with explanation,Yes,No,CR1106883,3426
2014-11-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-11-13,Closed with non-monetary relief,Yes,No,CR1108141,4664
2014-11-06,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2014-11-06,Closed with explanation,Yes,No,CR1105513,1430
2014-11-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-11-12,Closed with explanation,Yes,No,CR1105761,3127
2014-11-06,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2014-11-12,Closed with non-monetary relief,Yes,Yes,CR1105196,257
2014-11-06,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2014-11-13,Closed with explanation,Yes,No,CR1105720,1201
2014-11-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-11-13,Closed with explanation,Yes,No,CR1106098,2644
2014-11-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-11-12,Closed with non-monetary relief,Yes,No,CR1104450,4785
2014-11-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-11-10,Closed with monetary relief,Yes,No,CR1106117,3574
2014-11-05,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2014-11-10,Closed with explanation,Yes,Yes,CR1103888,6893
2014-11-05,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2014-11-10,Closed with monetary relief,Yes,No,CR1103877,1305
2014-11-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-11-06,Closed with explanation,Yes,No,CR1102886,4919
2014-11-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-11-10,Closed with monetary relief,Yes,No,CR1103884,9915
2014-11-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-11-10,Closed with monetary relief,Yes,No,CR1103562,5308
2014-11-04,Credit card,,Balance transfer,,,Older American,N/A,Referral,2014-11-07,Closed with explanation,Yes,No,CR1101361,1067
2014-11-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-11-07,Closed with monetary relief,Yes,No,CR1101041,11371
2014-11-04,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-11-07,Closed with monetary relief,Yes,No,CR1100985,3112
2014-11-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-11-13,Closed with explanation,Yes,No,CR1100607,406
2014-11-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-11-06,Closed with explanation,Yes,Yes,CR1101199,2432
2014-11-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-11-05,Closed with explanation,Yes,Yes,CR1100008,1383
2014-11-04,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2014-11-07,Closed with explanation,Yes,No,CR1100915,3452
2014-11-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-11-06,Closed with explanation,Yes,No,CR1101789,332
2014-11-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-11-06,Closed with explanation,Yes,Yes,CR1098405,1287
2014-11-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-11-06,Closed with explanation,Yes,No,CR1098211,11406
2014-11-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-11-06,Closed with non-monetary relief,Yes,No,CR1099075,1648
2014-11-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-11-06,Closed with explanation,Yes,No,CR1098320,637
2014-10-31,Credit card,,Credit determination,,,,N/A,Referral,2014-11-05,Closed with explanation,Yes,Yes,CR1096375,1831
2014-10-30,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2014-10-31,Closed with explanation,Yes,Yes,CR1093576,4231
2014-10-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-11-04,Closed with explanation,Yes,No,CR1091817,4336
2014-10-29,Credit card,,Sale of account,,,,N/A,Referral,2014-11-04,Closed with explanation,Yes,No,CR1091634,4650
2014-10-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-10-31,Closed with explanation,Yes,No,CR1091514,3154
2014-10-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-10-31,Closed with non-monetary relief,Yes,No,CR1092531,3670
2014-10-29,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-10-31,Closed with explanation,Yes,No,CR1091659,6893
2014-10-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-10-31,Closed with non-monetary relief,Yes,No,CR1092781,6545
2014-10-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-11-03,Closed with explanation,Yes,No,CR1087569,1664
2014-10-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-10-30,Closed with explanation,Yes,No,CR1090666,12144
2014-10-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-10-28,Closed with non-monetary relief,Yes,Yes,CR1089260,8342
2014-10-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-10-31,Closed with explanation,Yes,No,CR1090305,345
2014-10-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2014-10-31,Closed with monetary relief,Yes,No,CR1091013,131
2014-10-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-10-31,Closed with explanation,Yes,No,CR1087617,498
2014-10-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-10-30,Closed with explanation,Yes,Yes,CR1090711,1561
2014-10-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-10-28,Closed with explanation,Yes,No,CR1089301,4257
2014-10-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-10-30,Closed with monetary relief,Yes,No,CR1090599,8764
2014-10-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-11-03,Closed with explanation,Yes,No,CR1089310,4186
2014-10-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-10-29,Closed with explanation,Yes,No,CR1085350,3716
2014-10-23,Credit card,,Billing disputes,,,,N/A,Referral,2014-10-28,Closed with explanation,Yes,Yes,CR1084656,3240
2014-10-23,Credit card,,Other,,,,N/A,Referral,2014-10-29,Closed with explanation,Yes,No,CR1083271,4542
2014-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-10-27,Closed with explanation,Yes,Yes,CR1083435,3080
2014-10-22,Credit card,,Other,,,,N/A,Referral,2014-12-20,Closed with explanation,Yes,No,CR1081254,3201
2014-10-22,Credit card,,Credit determination,,,,N/A,Referral,2014-10-28,Closed with explanation,Yes,No,CR1082028,3660
2014-10-22,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2014-10-28,Closed with explanation,Yes,No,CR1082027,3454
2014-10-22,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2014-10-22,Closed with explanation,Yes,Yes,CR1081799,4347
2014-10-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-12-02,Closed with non-monetary relief,Yes,No,CR1081600,4598
2014-10-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-10-27,Closed with explanation,Yes,No,CR1081830,4725
2014-10-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-10-28,Closed with monetary relief,Yes,No,CR1081841,2220
2014-10-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-10-27,Closed with explanation,Yes,No,CR1081802,4411
2014-10-21,Credit card,,Billing disputes,,,,N/A,Referral,2014-10-27,Closed with monetary relief,Yes,No,CR1080253,3609
2014-10-21,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2014-10-26,Closed with monetary relief,Yes,Yes,CR1079738,4056
2014-10-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-10-26,Closed with explanation,Yes,Yes,CR1079861,13071
2014-10-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-10-26,Closed with non-monetary relief,Yes,No,CR1079981,2636
2014-10-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-10-27,Closed with explanation,Yes,No,CR1079879,3872
2014-10-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-10-27,Closed with explanation,Yes,No,CR1079990,6186
2014-10-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-10-27,Closed with monetary relief,Yes,No,CR1080089,4131
2014-10-17,Credit card,,Billing disputes,,,,N/A,Referral,2014-10-23,Closed with non-monetary relief,Yes,No,CR1075760,13924
2014-10-16,Credit card,,Other,,,,N/A,Referral,2014-10-22,Closed with non-monetary relief,Yes,No,CR1075092,11517
2014-10-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-10-22,Closed with monetary relief,Yes,No,CR1073990,389
2014-10-16,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2014-10-22,Closed with explanation,Yes,No,CR1073765,2248
2014-10-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-10-22,Closed with explanation,Yes,No,CR1073426,707
2014-10-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-10-22,Closed with explanation,Yes,No,CR1071862,4723
2014-10-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-10-15,Closed with explanation,Yes,No,CR1071212,2305
2014-10-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-10-20,Closed with non-monetary relief,Yes,No,CR1069856,1222
2014-10-10,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-10-20,Closed with explanation,Yes,Yes,CR1066402,2773
2014-10-10,Credit card,,Other,,,,N/A,Referral,2014-10-17,Closed with explanation,Yes,Yes,CR1066827,2118
2014-10-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-10-17,Closed with monetary relief,Yes,No,CR1067227,2755
2014-10-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-10-16,Closed with monetary relief,Yes,No,CR1064603,2299
2014-10-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-10-16,Closed with explanation,Yes,No,CR1064599,3297
2014-10-08,Credit card,,Other fee,,,,N/A,Referral,2014-10-15,Closed with monetary relief,Yes,No,CR1063273,1795
2014-10-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-10-15,Closed with explanation,Yes,No,CR1063040,4387
2014-10-08,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2014-10-15,Closed with explanation,Yes,No,CR1062796,2909
2014-10-07,Credit card,,Rewards,,,,N/A,Referral,2014-10-14,Closed with explanation,Yes,No,CR1061582,4549
2014-10-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-10-08,Closed with explanation,Yes,No,CR1061242,11050
2014-10-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-10-14,Closed with explanation,Yes,No,CR1060788,3630
2014-10-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-10-14,Closed with explanation,No,,CR1062179,5245
2014-10-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-10-14,Closed with explanation,Yes,No,CR1060774,2622
2014-10-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-10-14,Closed with monetary relief,Yes,No,CR1061672,10159
2014-10-06,Credit card,,Unsolicited issuance of credit card,,,,N/A,Referral,2014-10-10,Closed with non-monetary relief,Yes,No,CR1059422,1107
2014-10-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-10-10,Closed with explanation,Yes,No,CR1059227,1794
2014-10-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-10-08,Closed with monetary relief,Yes,No,CR1058782,2420
2014-10-06,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Referral,2014-10-10,Closed with explanation,Yes,Yes,CR1059754,488
2014-10-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-10-06,Closed with explanation,Yes,No,CR1059397,2155
2014-10-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-10-10,Closed with monetary relief,Yes,No,CR1059304,4012
2014-10-03,Credit card,,Rewards,,,,N/A,Referral,2014-10-08,Closed with explanation,Yes,Yes,CR1057867,4473
2014-10-02,Credit card,,Billing disputes,,,,N/A,Referral,2014-10-06,Closed with explanation,Yes,Yes,CR1055205,1165
2014-10-01,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-10-07,Closed with non-monetary relief,Yes,No,CR1053205,1724
2014-09-30,Credit card,,APR or interest rate,,,,N/A,Referral,2014-10-06,Closed with explanation,Yes,No,CR1052090,12599
2014-09-29,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-10-03,Closed with explanation,Yes,No,CR1050134,819
2014-09-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-10-03,Closed with explanation,Yes,No,CR1048765,2487
2014-09-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-10-02,Closed with explanation,Yes,No,CR1047372,4745
2014-09-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-10-01,Closed with explanation,Yes,No,CR1045746,362
2014-09-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-10-02,Closed with explanation,Yes,No,CR1045778,5254
2014-09-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-09-30,Closed with explanation,Yes,No,CR1045765,5134
2014-09-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-10-01,Closed with explanation,Yes,Yes,CR1045733,2374
2014-09-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-10-01,Closed with monetary relief,Yes,No,CR1045740,4771
2014-09-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-09-30,Closed with monetary relief,Yes,No,CR1042860,4521
2014-09-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-09-30,Closed with explanation,Yes,No,CR1041799,1085
2014-09-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-09-30,Closed with explanation,Yes,No,CR1041816,11794
2014-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-09-29,Closed with explanation,Yes,Yes,CR1040680,10287
2014-09-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-09-30,Closed with explanation,Yes,No,CR1040325,3188
2014-09-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-09-29,Closed with explanation,Yes,No,CR1039388,1687
2014-09-22,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2014-09-22,Closed with monetary relief,Yes,No,CR1038428,3210
2014-09-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-09-29,Closed with monetary relief,Yes,No,CR1039442,1982
2014-09-18,Credit card,,Billing disputes,,,,N/A,Referral,2014-09-24,Closed with non-monetary relief,Yes,Yes,CR1035508,2585
2014-09-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-09-24,Closed with explanation,Yes,No,CR1035361,120
2014-09-18,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Referral,2014-09-24,Closed with explanation,Yes,No,CR1035204,1523
2014-09-17,Credit card,,Delinquent account,,,,N/A,Referral,2014-09-22,Closed with explanation,Yes,No,CR1032656,980
2014-09-17,Credit card,,Billing disputes,,,,N/A,Referral,2014-09-22,Closed with explanation,Yes,No,CR1033510,1449
2014-09-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-09-22,Closed with explanation,Yes,No,CR1032534,3760
2014-09-17,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2014-09-19,Closed with explanation,Yes,No,CR1033308,1719
2014-09-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-09-22,Closed with monetary relief,Yes,No,CR1033366,3594
2014-09-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-09-22,Closed with monetary relief,Yes,No,CR1033291,4431
2014-09-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-09-22,Closed with explanation,Yes,No,CR1032430,1924
2014-09-16,Credit card,,APR or interest rate,,,,N/A,Referral,2014-09-19,Closed with explanation,Yes,No,CR1031260,3123
2014-09-16,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2014-09-22,Closed with explanation,Yes,No,CR1031553,1818
2014-09-16,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2014-09-19,Closed with explanation,Yes,No,CR1031320,2239
2014-09-15,Credit card,,Transaction issue,,,,N/A,Referral,2014-09-19,Closed with monetary relief,Yes,No,CR1029487,2398
2014-09-15,Credit card,,Unsolicited issuance of credit card,,,,N/A,Referral,2014-09-18,Closed with non-monetary relief,Yes,No,CR1028855,643
2014-09-15,Credit card,,Delinquent account,,,,N/A,Referral,2014-09-18,Closed with explanation,Yes,No,CR1028738,3135
2014-09-15,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-09-17,Closed with explanation,Yes,No,CR1029229,3574
2014-09-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-09-17,Closed with monetary relief,Yes,No,CR1026117,105
2014-09-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-09-17,Closed with explanation,Yes,Yes,CR1025760,1315
2014-09-11,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2014-09-16,Closed with explanation,Yes,No,CR1023876,4403
2014-09-11,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2014-09-16,Closed with explanation,Yes,No,CR1024333,2916
2014-09-10,Credit card,,Rewards,,,,N/A,Referral,2014-09-15,Closed with monetary relief,Yes,No,CR1022470,4799
2014-09-10,Credit card,,Other fee,,,,N/A,Referral,2014-09-15,Closed with explanation,Yes,No,CR1022472,7855
2014-09-10,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-09-15,Closed with explanation,Yes,No,CR1023222,4003
2014-09-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-09-15,Closed with explanation,Yes,No,CR1023488,1702
2014-09-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-09-15,Closed with explanation,Yes,No,CR1022476,4262
2014-09-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-09-15,Closed with explanation,Yes,Yes,CR1023349,4414
2014-09-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-09-15,Closed with explanation,Yes,No,CR1022787,2329
2014-09-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-09-15,Closed,Yes,Yes,CR1022768,1514
2014-09-09,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-09-12,Closed with explanation,Yes,Yes,CR1021324,3622
2014-09-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-09-12,Closed with monetary relief,Yes,Yes,CR1021325,383
2014-09-08,Credit card,,Billing statement,,,,N/A,Referral,2014-09-11,Closed with monetary relief,Yes,No,CR1018427,2555
2014-09-08,Credit card,,Payoff process,,,,N/A,Referral,2014-09-11,Closed with monetary relief,Yes,No,CR1018432,515
2014-09-04,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2014-09-09,Closed with explanation,Yes,Yes,CR1014124,4532
2014-09-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-09-09,Closed with monetary relief,Yes,No,CR1014691,6275
2014-09-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-09-09,Closed with monetary relief,Yes,No,CR1015179,1156
2014-09-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-09-09,Closed with monetary relief,Yes,No,CR1015186,579
2014-09-03,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2014-09-08,Closed with explanation,Yes,No,CR1011782,1412
2014-09-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-09-08,Closed with monetary relief,Yes,No,CR1012891,4817
2014-09-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-09-05,Closed with non-monetary relief,Yes,No,CR1011106,1402
2014-09-02,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Referral,2014-09-05,Closed with monetary relief,Yes,No,CR1010050,6272
2014-09-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-09-05,Closed,Yes,Yes,CR1012956,2205
2014-09-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-09-05,Closed with monetary relief,Yes,No,CR1009542,4630
2014-08-28,Credit card,,Billing disputes,,,,N/A,Referral,2014-09-03,Closed with monetary relief,Yes,No,CR1006318,4360
2014-08-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-09-17,Closed with explanation,Yes,Yes,CR1006118,499
2014-08-28,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2014-09-03,Closed with explanation,Yes,No,CR1006126,1799
2014-08-27,Credit card,,Billing disputes,,,,N/A,Referral,2014-09-03,Closed with explanation,Yes,No,CR1004959,2796
2014-08-27,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Referral,2014-09-02,Closed with explanation,Yes,No,CR1003464,4773
2014-08-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-09-03,Closed with explanation,Yes,No,CR1003092,2784
2014-08-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-09-02,Closed with explanation,Yes,Yes,CR1003739,6034
2014-08-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-09-02,Closed with explanation,Yes,No,CR1003325,1147
2014-08-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-29,Closed with explanation,Yes,No,CR1001568,853
2014-08-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-08-28,Closed with explanation,Yes,No,CR1001447,4000
2014-08-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-28,Closed with monetary relief,Yes,No,CR1001495,9946
2014-08-25,Credit card,,Other,,,,N/A,Referral,2014-08-28,Closed with monetary relief,Yes,No,CR1000360,278
2014-08-22,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-08-27,Closed with explanation,Yes,No,CR0996456,6616
2014-08-22,Credit card,,APR or interest rate,,,,N/A,Referral,2014-08-26,Closed with explanation,Yes,No,CR0997234,1962
2014-08-22,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-08-27,Closed with explanation,Yes,Yes,CR0997214,4677
2014-08-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-27,Closed with explanation,Yes,No,CR0997943,12890
2014-08-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-26,Closed with monetary relief,Yes,No,CR0997463,1419
2014-08-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-08-26,Closed with monetary relief,Yes,No,CR0997631,2742
2014-08-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-08-26,Closed with explanation,Yes,No,CR0995170,259
2014-08-21,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-08-26,Closed with explanation,Yes,No,CR0994229,13276
2014-08-20,Credit card,,Billing disputes,,,,N/A,Referral,2014-08-25,Closed with explanation,Yes,Yes,CR0993055,3742
2014-08-20,Credit card,,Advertising and marketing,,,,N/A,Referral,2014-08-25,Closed with explanation,Yes,No,CR0993304,707
2014-08-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-25,Closed with non-monetary relief,Yes,No,CR0993629,3076
2014-08-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-08-25,Closed with explanation,Yes,Yes,CR0993611,733
2014-08-19,Credit card,,Rewards,,,,N/A,Referral,2014-08-21,Closed with explanation,Yes,No,CR0990906,347
2014-08-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-08-21,Closed with monetary relief,Yes,No,CR0990114,1970
2014-08-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-21,Closed with monetary relief,Yes,No,CR0990959,4133
2014-08-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-21,Closed with explanation,Yes,Yes,CR0991735,13576
2014-08-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-22,Closed with explanation,Yes,No,CR0991255,657
2014-08-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-08-22,Closed with monetary relief,Yes,No,CR0990119,1258
2014-08-19,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2014-08-21,Closed with explanation,Yes,No,CR0990907,1029
2014-08-19,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2014-08-21,Closed with explanation,Yes,No,CR0990109,1331
2014-08-18,Credit card,,Payoff process,,,,N/A,Referral,2014-08-20,Closed with explanation,Yes,No,CR0988733,4533
2014-08-18,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Referral,2014-08-20,Closed with monetary relief,Yes,No,CR0988352,4487
2014-08-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-20,Closed with explanation,Yes,No,CR0988340,3823
2014-08-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-21,Closed with explanation,Yes,No,CR0989522,1511
2014-08-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-21,Closed with explanation,Yes,No,CR0989518,4302
2014-08-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-21,Closed with explanation,Yes,No,CR0989519,342
2014-08-15,Credit card,,Billing disputes,,,,N/A,Referral,2014-08-19,Closed with explanation,Yes,No,CR0986602,3031
2014-08-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-19,Closed with monetary relief,Yes,No,CR0985174,2280
2014-08-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-08-19,Closed with explanation,Yes,No,CR0985316,3644
2014-08-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-19,Closed with monetary relief,Yes,No,CR0986351,671
2014-08-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-19,Closed with monetary relief,Yes,No,CR0985263,9231
2014-08-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-18,Closed with explanation,Yes,Yes,CR0983775,2820
2014-08-14,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-08-18,Closed with monetary relief,Yes,No,CR0984380,13290
2014-08-13,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-15,Closed with monetary relief,Yes,No,CR0983084,11768
2014-08-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-18,Closed with explanation,Yes,No,CR0982407,4000
2014-08-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-08-15,Closed with non-monetary relief,Yes,No,CR0982395,4181
2014-08-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-18,Closed with explanation,Yes,Yes,CR0982926,1824
2014-08-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-14,Closed with explanation,Yes,No,CR0980562,3922
2014-08-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-08-13,Closed with monetary relief,Yes,No,CR0977734,4468
2014-08-11,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2014-08-13,Closed with monetary relief,Yes,No,CR0977619,4087
2014-08-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-13,Closed with explanation,Yes,No,CR0977593,1908
2014-08-11,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-13,Closed with monetary relief,Yes,No,CR0977624,1957
2014-08-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-13,Closed with monetary relief,Yes,No,CR0977630,3730
2014-08-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-13,Closed with explanation,Yes,No,CR0977591,2412
2014-08-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-13,Closed with explanation,Yes,No,CR0977625,4010
2014-08-07,Credit card,,Cash advance,,,Older American,N/A,Referral,2014-08-11,Closed with explanation,Yes,Yes,CR0972718,5143
2014-08-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-11,Closed with explanation,Yes,No,CR0973590,2671
2014-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-11,Closed with explanation,Yes,No,CR0974444,5333
2014-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-11,Closed with explanation,Yes,No,CR0973481,4125
2014-08-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-08-11,Closed with explanation,Yes,No,CR0973737,4626
2014-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-11,Closed with explanation,No,No,CR0972929,4757
2014-08-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-08-11,Closed with monetary relief,Yes,No,CR0974485,3727
2014-08-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-08-11,Closed with explanation,Yes,No,CR0973580,3942
2014-08-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-11,Closed with explanation,Yes,No,CR0974023,4715
2014-08-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-11,Closed with explanation,Yes,No,CR0973236,1753
2014-08-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-11,Closed with monetary relief,Yes,No,CR0973788,4006
2014-08-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-11,Closed with monetary relief,Yes,No,CR0974066,1616
2014-08-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-11,Closed with monetary relief,Yes,No,CR0974431,4472
2014-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-11,Closed with explanation,Yes,No,CR0974408,39
2014-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-11,Closed with explanation,Yes,No,CR0973833,660
2014-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-11,Closed with monetary relief,Yes,No,CR0974429,516
2014-08-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-11,Closed with explanation,Yes,No,CR0974417,1092
2014-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-11,Closed with non-monetary relief,Yes,Yes,CR0974480,6040
2014-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-11,Closed with explanation,Yes,No,CR0973449,3685
2014-08-07,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2014-08-11,Closed with non-monetary relief,Yes,No,CR0974055,4547
2014-08-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-08,Closed with explanation,Yes,No,CR0972114,10555
2014-08-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-08,Closed with explanation,Yes,No,CR0971658,4077
2014-08-05,Credit card,,Billing disputes,,,,N/A,Referral,2014-08-07,Closed with explanation,Yes,Yes,CR0968959,578
2014-08-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-08-07,Closed with monetary relief,Yes,No,CR0969275,814
2014-08-04,Credit card,,Other fee,,,,N/A,Referral,2014-08-06,Closed with explanation,Yes,No,CR0967096,2066
2014-08-01,Credit card,,Billing disputes,,,,N/A,Referral,2014-08-05,Closed with explanation,Yes,No,CR0964757,2853
2014-08-01,Credit card,,Cash advance,,,,N/A,Referral,2014-08-05,Closed with monetary relief,Yes,No,CR0965807,1259
2014-08-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-08-05,Closed with explanation,Yes,Yes,CR0964737,4766
2014-07-30,Credit card,,Credit determination,,,,N/A,Referral,2014-08-01,Closed with explanation,Yes,Yes,CR0960667,5468
2014-07-30,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2014-08-18,Closed with explanation,Yes,No,CR0962383,599
2014-07-30,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-08-01,Closed with explanation,Yes,No,CR0960688,4323
2014-07-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-08-01,Closed with explanation,Yes,No,CR0960617,772
2014-07-29,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-07-31,Closed with monetary relief,Yes,No,CR0959199,12416
2014-07-29,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-07-31,Closed with explanation,Yes,No,CR0959522,10517
2014-07-28,Credit card,,Other,,,,N/A,Referral,2014-07-30,Closed with explanation,Yes,No,CR0956160,4205
2014-07-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-07-30,Closed with explanation,Yes,No,CR0956207,885
2014-07-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-07-30,Closed with explanation,Yes,Yes,CR0956255,2030
2014-07-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-30,Closed with explanation,Yes,No,CR0956620,4071
2014-07-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-07-29,Closed with explanation,Yes,No,CR0954320,4268
2014-07-24,Credit card,,Unsolicited issuance of credit card,,,,N/A,Referral,2014-07-29,Closed with explanation,Yes,No,CR0952987,3873
2014-07-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-28,Closed with non-monetary relief,Yes,No,CR0951903,3696
2014-07-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-07-28,Closed with explanation,Yes,No,CR0952096,1928
2014-07-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-29,Closed with explanation,Yes,No,CR0952090,131
2014-07-23,Credit card,,Billing disputes,,,,N/A,Referral,2014-07-25,Closed with explanation,Yes,No,CR0950348,2565
2014-07-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-07-25,Closed with monetary relief,Yes,No,CR0949912,1370
2014-07-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-25,Closed with explanation,Yes,No,CR0948878,1031
2014-07-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-25,Closed with explanation,Yes,No,CR0948026,3708
2014-07-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-25,Closed with non-monetary relief,Yes,No,CR0948560,2539
2014-07-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-07-24,Closed with monetary relief,Yes,No,CR0948885,211
2014-07-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-25,Closed with explanation,Yes,Yes,CR0948662,4140
2014-07-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-23,Closed with monetary relief,Yes,No,CR0945708,47
2014-07-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-24,Closed,Yes,No,CR0945973,934
2014-07-18,Credit card,,Other fee,,,,N/A,Referral,2014-07-23,Closed with explanation,Yes,No,CR0943646,3745
2014-07-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-23,Closed with explanation,Yes,No,CR0943697,2077
2014-07-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-23,Closed with explanation,Yes,No,CR0943683,4354
2014-07-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-07-24,Closed with explanation,Yes,No,CR0944025,4006
2014-07-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-23,Closed with explanation,Yes,No,CR0943116,1783
2014-07-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-22,Closed with monetary relief,Yes,No,CR0942183,3524
2014-07-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-22,Closed with explanation,Yes,No,CR0941673,965
2014-07-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-23,Closed with monetary relief,Yes,No,CR0940971,2554
2014-07-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-23,Closed with non-monetary relief,Yes,Yes,CR0942331,2459
2014-07-16,Credit card,,APR or interest rate,,,,N/A,Referral,2014-07-22,Closed with non-monetary relief,Yes,No,CR0938960,4423
2014-07-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-18,Closed with monetary relief,Yes,No,CR0937328,2797
2014-07-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-21,Closed with explanation,Yes,No,CR0937401,4064
2014-07-15,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2014-07-18,Closed with explanation,Yes,No,CR0937474,286
2014-07-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-18,Closed with explanation,Yes,No,CR0937966,185
2014-07-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-18,Closed with explanation,Yes,No,CR0937352,339
2014-07-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-16,Closed with explanation,Yes,Yes,CR0933073,1225
2014-07-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-07-16,Closed with monetary relief,Yes,No,CR0933891,981
2014-07-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-16,Closed with explanation,Yes,No,CR0933703,4784
2014-07-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-07-16,Closed with monetary relief,Yes,No,CR0933102,3490
2014-07-10,Credit card,,Rewards,,,,N/A,Referral,2014-07-15,Closed with explanation,Yes,No,CR0931083,555
2014-07-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-15,Closed with explanation,Yes,No,CR0932263,4452
2014-07-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-15,Closed with monetary relief,Yes,No,CR0932396,10997
2014-07-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-15,Closed with monetary relief,Yes,No,CR0932112,3340
2014-07-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-15,Closed with explanation,Yes,Yes,CR0931989,3308
2014-07-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-15,Closed with explanation,Yes,No,CR0932046,4166
2014-07-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-07-15,Closed with non-monetary relief,Yes,No,CR0931213,1714
2014-07-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-07-15,Closed with monetary relief,Yes,No,CR0930664,1050
2014-07-09,Credit card,,Other fee,,,,N/A,Referral,2014-07-14,Closed with non-monetary relief,Yes,No,CR0929253,1978
2014-07-09,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-07-14,Closed with explanation,Yes,No,CR0930253,1887
2014-07-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-07-14,Closed with non-monetary relief,Yes,No,CR0930270,9370
2014-07-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-14,Closed with explanation,Yes,No,CR0930248,1916
2014-07-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-11,Closed with explanation,Yes,No,CR0927603,3770
2014-07-08,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2014-07-11,Closed with explanation,Yes,No,CR0927458,3068
2014-07-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-11,Closed with explanation,Yes,No,CR0926652,1313
2014-07-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-07-11,Closed with explanation,Yes,No,CR0927782,12890
2014-07-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-11,Closed with explanation,Yes,No,CR0927296,2162
2014-07-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-07-10,Closed with explanation,Yes,No,CR0926142,3329
2014-07-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-07-10,Closed with monetary relief,Yes,No,CR0926573,3397
2014-07-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-07-10,Closed with explanation,Yes,Yes,CR0926467,2883
2014-07-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-10,Closed with explanation,Yes,No,CR0926154,4778
2014-07-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-10,Closed with non-monetary relief,Yes,No,CR0926235,5472
2014-07-03,Credit card,,Other,,,,N/A,Referral,2014-07-09,Closed with explanation,Yes,No,CR0922909,2663
2014-07-03,Credit card,,Other,,,,N/A,Referral,2014-07-09,Closed with explanation,Yes,No,CR0923088,816
2014-07-03,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-09,Closed with explanation,Yes,No,CR0923474,1921
2014-07-02,Credit card,,Billing disputes,,,,N/A,Referral,2014-07-08,Closed with explanation,Yes,No,CR0920928,3630
2014-07-02,Credit card,,Billing disputes,,,,N/A,Referral,2014-07-08,Closed with explanation,Yes,No,CR0921314,1601
2014-07-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-08,Closed with explanation,Yes,Yes,CR0921269,2076
2014-07-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-08,Closed with explanation,Yes,Yes,CR0921309,374
2014-07-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-07-08,Closed with explanation,Yes,No,CR0921644,923
2014-07-02,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-08,Closed with monetary relief,Yes,No,CR0921204,3396
2014-07-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-09,Closed with explanation,Yes,No,CR0920387,394
2014-07-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-07,Closed with explanation,Yes,No,CR0919907,4441
2014-07-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-07,Closed with explanation,Yes,Yes,CR0920120,3121
2014-07-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-08,Closed with monetary relief,Yes,No,CR0920064,3700
2014-06-30,Credit card,,Payoff process,,,,N/A,Referral,2014-07-03,Closed with explanation,Yes,No,CR0917425,7311
2014-06-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-03,Closed with explanation,Yes,No,CR0917316,3025
2014-06-30,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-07,Closed with explanation,Yes,No,CR0916392,5374
2014-06-27,Credit card,,APR or interest rate,,,,N/A,Referral,2014-07-02,Closed with explanation,Yes,No,CR0914208,13921
2014-06-27,Credit card,,Other,,,,N/A,Referral,2014-07-01,Closed with explanation,Yes,No,CR0914153,1604
2014-06-27,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-02,Closed with explanation,Yes,No,CR0914156,2287
2014-06-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-07-02,Closed with explanation,Yes,No,CR0915182,3990
2014-06-26,Credit card,,APR or interest rate,,,,N/A,Referral,2014-07-01,Closed with explanation,Yes,No,CR0911634,483
2014-06-26,Credit card,,Billing disputes,,,,N/A,Referral,2014-07-01,Closed with explanation,Yes,No,CR0913716,4134
2014-06-26,Credit card,,Billing disputes,,,,N/A,Referral,2014-07-21,Closed with explanation,Yes,Yes,CR0912804,13588
2014-06-26,Credit card,,Credit determination,,,,N/A,Referral,2014-07-01,Closed with explanation,Yes,No,CR0911589,962
2014-06-26,Credit card,,Delinquent account,,,,N/A,Referral,2014-06-30,Closed with explanation,Yes,No,CR0912359,2122
2014-06-26,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-07-01,Closed with explanation,Yes,No,CR0913347,3342
2014-06-26,Credit card,,Billing disputes,,,Older American,N/A,Referral,2014-07-01,Closed with explanation,Yes,No,CR0913572,836
2014-06-26,Credit card,,Other,,,,N/A,Referral,2014-07-01,Closed with explanation,Yes,No,CR0913812,11943
2014-06-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-07-01,Closed,Yes,No,CR0913664,384
2014-06-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-30,Closed with explanation,Yes,No,CR0912645,6383
2014-06-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-07-01,Closed with explanation,Yes,No,CR0913674,110
2014-06-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-01,Closed with explanation,Yes,No,CR0913678,2042
2014-06-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-30,Closed with explanation,Yes,No,CR0912824,12730
2014-06-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-30,Closed with explanation,Yes,No,CR0912897,3840
2014-06-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-30,Closed with explanation,Yes,No,CR0913304,12
2014-06-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-07-01,Closed with explanation,Yes,No,CR0913440,3245
2014-06-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-07-01,Closed with explanation,Yes,No,CR0913596,751
2014-06-24,Credit card,,Billing disputes,,,,N/A,Referral,2014-06-26,Closed with explanation,Yes,Yes,CR0908902,1640
2014-06-24,Credit card,,Billing statement,,,,N/A,Referral,2014-06-27,Closed with explanation,Yes,No,CR0907820,3802
2014-06-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-26,Closed with explanation,Yes,Yes,CR0907695,110
2014-06-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-27,Closed with monetary relief,Yes,No,CR0907828,783
2014-06-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-26,Closed with non-monetary relief,Yes,No,CR0907817,1463
2014-06-24,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Referral,2014-06-27,Closed with monetary relief,Yes,No,CR0909076,2964
2014-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-26,Closed with explanation,Yes,No,CR0907832,3015
2014-06-23,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-06-25,Closed with explanation,Yes,Yes,CR0906155,12859
2014-06-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-25,Closed with monetary relief,Yes,No,CR0907307,4359
2014-06-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-25,Closed with explanation,Yes,No,CR0905769,1679
2014-06-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-06-25,Closed with monetary relief,Yes,No,CR0905773,5189
2014-06-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-25,Closed with explanation,Yes,No,CR0907271,2173
2014-06-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-06-25,Closed with monetary relief,Yes,No,CR0905797,13404
2014-06-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-24,Closed with explanation,Yes,Yes,CR0903794,10636
2014-06-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-24,Closed with monetary relief,Yes,No,CR0903643,3532
2014-06-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Referral,2014-06-24,Closed with explanation,Yes,No,CR0903894,977
2014-06-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-24,Closed with explanation,Yes,Yes,CR0903787,3985
2014-06-19,Credit card,,Balance transfer,,,,N/A,Referral,2014-06-24,Closed with explanation,Yes,No,CR0902860,690
2014-06-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-06-23,Closed with explanation,Yes,Yes,CR0902096,927
2014-06-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-06-23,Closed with non-monetary relief,Yes,No,CR0902297,960
2014-06-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-06-23,Closed with explanation,Yes,Yes,CR0902898,4340
2014-06-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-23,Closed with explanation,Yes,No,CR0902753,1153
2014-06-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-06-23,Closed with monetary relief,Yes,No,CR0902640,3612
2014-06-18,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-20,Closed with monetary relief,Yes,No,CR0900677,2420
2014-06-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-20,Closed with explanation,Yes,Yes,CR0899537,3186
2014-06-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-19,Closed with explanation,Yes,No,CR0897925,3208
2014-06-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-19,Closed with monetary relief,Yes,No,CR0895831,4454
2014-06-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-24,Closed with explanation,Yes,No,CR0896476,2818
2014-06-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-18,Closed with explanation,Yes,No,CR0897232,1483
2014-06-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-18,Closed with monetary relief,Yes,No,CR0896461,5563
2014-06-13,Credit card,,Billing disputes,,,,N/A,Referral,2014-06-24,Closed with explanation,Yes,No,CR0894145,2766
2014-06-13,Credit card,,Billing disputes,,,,N/A,Referral,2014-06-17,Closed with explanation,Yes,No,CR0893784,4599
2014-06-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-06-17,Closed with non-monetary relief,Yes,No,CR0893500,2426
2014-06-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-06-17,Closed with explanation,Yes,No,CR0894730,6366
2014-06-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-17,Closed with explanation,Yes,No,CR0894726,51
2014-06-11,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-06-13,Closed with explanation,Yes,Yes,CR0889543,3046
2014-06-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-06-13,Closed with monetary relief,Yes,No,CR0890924,4496
2014-06-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-13,Closed with explanation,Yes,No,CR0889532,3734
2014-06-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-13,Closed with explanation,Yes,No,CR0890796,2941
2014-06-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-13,Closed with non-monetary relief,Yes,No,CR0889536,1215
2014-06-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-13,Closed with explanation,Yes,No,CR0890586,24
2014-06-10,Credit card,,Other fee,,,Older American,N/A,Referral,2014-06-11,Closed with explanation,Yes,No,CR0889326,6546
2014-06-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-06-12,Closed with monetary relief,Yes,No,CR0889362,2876
2014-06-09,Credit card,,Balance transfer,,,,N/A,Referral,2014-06-09,Closed with explanation,Yes,Yes,CR0887415,4547
2014-06-06,Credit card,,Other,,,,N/A,Referral,2014-06-10,Closed with explanation,Yes,No,CR0883913,3549
2014-06-05,Credit card,,Other,,,,N/A,Referral,2014-06-09,Closed with explanation,Yes,Yes,CR0882690,2510
2014-06-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-06-09,Closed with explanation,Yes,No,CR0882185,4545
2014-06-05,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Referral,2014-06-09,Closed with explanation,Yes,No,CR0883054,3693
2014-06-05,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-05,Closed with explanation,Yes,No,CR0881868,4256
2014-06-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-06-09,Closed with monetary relief,Yes,No,CR0882508,4079
2014-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-06,Closed with monetary relief,Yes,No,CR0880544,2089
2014-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-06,Closed with explanation,Yes,No,CR0880475,131
2014-06-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-06-06,Closed with monetary relief,Yes,No,CR0880630,257
2014-06-04,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-06-09,Closed with explanation,Yes,No,CR0881212,3104
2014-06-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-06,Closed with explanation,Yes,No,CR0879974,1875
2014-06-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-05,Closed with monetary relief,Yes,No,CR0878840,879
2014-06-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-05,Closed with monetary relief,Yes,No,CR0878389,677
2014-06-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-05,Closed with explanation,Yes,No,CR0878365,4170
2014-06-02,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2014-06-23,Closed with explanation,Yes,No,CR0877907,4556
2014-06-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-05,Closed with explanation,Yes,No,CR0876649,3535
2014-06-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-05,Closed with explanation,Yes,No,CR0877407,1453
2014-05-30,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2014-06-05,Closed with explanation,Yes,No,CR0875314,2891
2014-05-29,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-06-03,Closed with monetary relief,Yes,No,CR0872629,3607
2014-05-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-04,Closed with explanation,Yes,No,CR0873438,3313
2014-05-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-03,Closed with explanation,Yes,No,CR0872628,3976
2014-05-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-06-03,Closed with monetary relief,Yes,Yes,CR0871433,1591
2014-05-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-06-03,Closed with monetary relief,Yes,No,CR0871231,10209
2014-05-27,Credit card,,Late fee,,,,N/A,Referral,2014-06-02,Closed with explanation,Yes,No,CR0868382,3333
2014-05-27,Credit card,,Other fee,,,,N/A,Referral,2014-06-02,Closed with monetary relief,Yes,No,CR0869277,2928
2014-05-27,Credit card,,Other,,,,N/A,Referral,2014-05-29,Closed with explanation,Yes,No,CR0868187,2135
2014-05-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-06-02,Closed with explanation,Yes,No,CR0869284,2118
2014-05-27,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Referral,2014-06-02,Closed with monetary relief,Yes,No,CR0869281,2896
2014-05-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-05-29,Closed with explanation,Yes,Yes,CR0868161,176
2014-05-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-05-29,Closed with monetary relief,Yes,No,CR0868222,6619
2014-05-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-05-29,Closed with monetary relief,Yes,No,CR0868540,4367
2014-05-27,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2014-06-02,Closed with explanation,Yes,No,CR0868218,2325
2014-05-23,Credit card,,Billing disputes,,,,N/A,Referral,2014-05-28,Closed with monetary relief,Yes,No,CR0866510,2387
2014-05-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-05-27,Closed with non-monetary relief,Yes,No,CR0865774,3588
2014-05-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-05-27,Closed with non-monetary relief,Yes,No,CR0863907,1322
2014-05-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-05-27,Closed with explanation,Yes,No,CR0865235,586
2014-05-21,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-05-23,Closed with explanation,Yes,No,CR0863366,4085
2014-05-21,Credit card,,Billing statement,,,,N/A,Referral,2014-05-23,Closed with explanation,Yes,No,CR0863402,367
2014-05-21,Credit card,,Transaction issue,,,,N/A,Referral,2014-05-23,Closed with explanation,Yes,No,CR0863390,7576
2014-05-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-05-22,Closed with monetary relief,Yes,No,CR0862298,2656
2014-05-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-05-23,Closed with explanation,Yes,No,CR0863372,2565
2014-05-20,Credit card,,Other,,,,N/A,Referral,2014-05-21,Closed with monetary relief,Yes,No,CR0861395,7855
2014-05-20,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2014-05-21,Closed with explanation,Yes,Yes,CR0860906,2856
2014-05-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-05-21,Closed with explanation,Yes,No,CR0860937,772
2014-05-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-05-21,Closed with monetary relief,Yes,No,CR0860890,1706
2014-05-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-05-21,Closed with explanation,Yes,No,CR0861716,1379
2014-05-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-05-21,Closed with monetary relief,Yes,No,CR0861388,2478
2014-05-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-05-21,Closed with explanation,Yes,No,CR0860806,454
2014-05-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-05-21,Closed with explanation,Yes,No,CR0860699,1295
2014-05-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-05-21,Closed with explanation,Yes,No,CR0861397,2653
2014-05-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-05-21,Closed with monetary relief,Yes,No,CR0860519,2173
2014-05-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-05-21,Closed with monetary relief,Yes,No,CR0861027,889
2014-05-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-05-21,Closed with monetary relief,Yes,No,CR0860846,3
2014-05-19,Credit card,,Billing disputes,,,,N/A,Referral,2014-05-21,Closed with explanation,Yes,No,CR0858631,1947
2014-05-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-05-21,Closed with explanation,Yes,No,CR0858150,12850
2014-05-16,Credit card,,Other,,,,N/A,Referral,2014-05-20,Closed with monetary relief,Yes,No,CR0856599,3839
2014-05-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-05-20,Closed with monetary relief,Yes,No,CR0856588,2917
2014-05-16,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2014-05-20,Closed with explanation,Yes,No,CR0856595,3267
2014-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-05-19,Closed with explanation,Yes,No,CR0854801,776
2014-05-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-05-19,Closed with explanation,Yes,Yes,CR0854797,98
2014-05-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-05-19,Closed with monetary relief,Yes,No,CR0853815,3130
2014-05-14,Credit card,,Payoff process,,,,N/A,Referral,2014-05-16,Closed with monetary relief,Yes,No,CR0851898,4183
2014-05-14,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-05-19,Closed with explanation,Yes,Yes,CR0851395,1827
2014-05-14,Credit card,,Billing disputes,,,,N/A,Referral,2014-05-16,Closed with explanation,Yes,No,CR0851913,1478
2014-05-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-05-16,Closed with explanation,Yes,No,CR0851920,1217
2014-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-05-16,Closed,Yes,No,CR0851918,3417
2014-05-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-05-16,Closed with non-monetary relief,Yes,No,CR0852900,10564
2014-05-12,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-05-15,Closed with explanation,Yes,No,CR0847560,1393
2014-05-12,Credit card,,Other,,,,N/A,Referral,2014-05-15,Closed with explanation,Yes,Yes,CR0847567,3853
2014-05-12,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-05-15,Closed with monetary relief,Yes,No,CR0848634,1288
2014-05-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-05-14,Closed with explanation,Yes,No,CR0848035,1762
2014-05-09,Credit card,,Convenience checks,,,,N/A,Referral,2014-05-14,Closed with explanation,Yes,Yes,CR0845627,853
2014-05-09,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-05-14,Closed with explanation,Yes,Yes,CR0846317,940
2014-05-07,Credit card,,Credit determination,,,,N/A,Referral,2014-07-14,Closed with explanation,Yes,No,CR0842899,743
2014-05-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-05-12,Closed with explanation,Yes,No,CR0840983,3657
2014-05-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-05-12,Closed with explanation,Yes,No,CR0840994,3131
2014-05-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-05-12,Closed with explanation,Yes,No,CR0841007,4281
2014-05-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-05-12,Closed with explanation,Yes,No,CR0840988,4989
2014-05-06,Credit card,,Transaction issue,,,,N/A,Referral,2014-05-08,Closed with explanation,Yes,No,CR0840071,12051
2014-05-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-05-09,Closed with monetary relief,Yes,No,CR0839036,4697
2014-05-06,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-05-09,Closed with explanation,Yes,No,CR0840886,3609
2014-05-05,Credit card,,Other fee,,,,N/A,Referral,2014-05-08,Closed with explanation,Yes,No,CR0838855,958
2014-05-05,Credit card,,Late fee,,,,N/A,Referral,2014-05-08,Closed with explanation,Yes,No,CR0837675,4363
2014-05-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-05-07,Closed with explanation,Yes,Yes,CR0838030,3633
2014-05-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-05-07,Closed with monetary relief,Yes,No,CR0837262,1260
2014-05-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-05-07,Closed with explanation,Yes,No,CR0837189,506
2014-05-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-05-07,Closed with explanation,Yes,No,CR0837207,3380
2014-05-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-05-08,Closed,Yes,No,CR0837215,2316
2014-05-02,Credit card,,Billing disputes,,,,N/A,Referral,2014-05-06,Closed with explanation,Yes,No,CR0836032,3745
2014-05-02,Credit card,,Billing disputes,,,,N/A,Referral,2014-05-06,Closed with explanation,Yes,Yes,CR0835958,2276
2014-05-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-05-06,Closed with explanation,Yes,No,CR0835148,995
2014-05-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-05-06,Closed with monetary relief,Yes,No,CR0835962,1856
2014-05-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-05-06,Closed with explanation,Yes,Yes,CR0834189,2926
2014-05-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-05-06,Closed with non-monetary relief,Yes,No,CR0834815,6481
2014-04-30,Credit card,,Billing disputes,,,,N/A,Referral,2014-05-05,Closed with explanation,Yes,No,CR0833010,4492
2014-04-30,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2014-05-05,Closed with explanation,Yes,Yes,CR0833144,1481
2014-04-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-05-05,Closed with explanation,Yes,No,CR0831221,6616
2014-04-30,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-05-05,Closed with explanation,Yes,No,CR0832312,4274
2014-04-29,Credit card,,APR or interest rate,,,,N/A,Referral,2014-05-01,Closed with explanation,Yes,No,CR0829853,3673
2014-04-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-05-05,Closed with explanation,Yes,No,CR0830952,1298
2014-04-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-04-30,Closed with explanation,Yes,No,CR0828506,3312
2014-04-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-04-30,Closed with explanation,Yes,No,CR0828516,3996
2014-04-25,Credit card,,Billing disputes,,,Older American,N/A,Referral,2014-04-29,Closed with explanation,Yes,Yes,CR0825276,1393
2014-04-25,Credit card,,Other fee,,,,N/A,Referral,2014-04-29,Closed with explanation,Yes,No,CR0825601,1632
2014-04-25,Credit card,,Billing disputes,,,,N/A,Referral,2014-04-29,Closed with explanation,Yes,No,CR0826111,4400
2014-04-25,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-04-29,Closed with explanation,Yes,No,CR0825696,1962
2014-04-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-04-29,Closed with monetary relief,Yes,No,CR0824957,11034
2014-04-24,Credit card,,Billing disputes,,,,N/A,Referral,2014-04-29,Closed with non-monetary relief,Yes,No,CR0824737,60
2014-04-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-05-07,Closed with explanation,Yes,No,CR0824257,4085
2014-04-24,Bank account or service,Cashing a check without an account,Using a debit or ATM card,,,,N/A,Referral,2014-04-28,Closed with monetary relief,Yes,No,CR0823737,1335
2014-04-24,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2014-04-28,Closed with explanation,Yes,No,CR0823781,2320
2014-04-23,Credit card,,Late fee,,,,N/A,Referral,2014-04-25,Closed with explanation,Yes,Yes,CR0821495,1717
2014-04-23,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-04-28,Closed with explanation,Yes,No,CR0820768,2812
2014-04-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-04-25,Closed with monetary relief,Yes,No,CR0821510,12416
2014-04-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-28,Closed with monetary relief,Yes,No,CR0820784,3010
2014-04-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-04-25,Closed with explanation,Yes,No,CR0821498,702
2014-04-22,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-24,Closed with explanation,Yes,Yes,CR0818625,486
2014-04-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-24,Closed with monetary relief,Yes,No,CR0818731,3093
2014-04-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-04-25,Closed with explanation,Yes,Yes,CR0817185,3834
2014-04-21,Credit card,,Billing disputes,,,,N/A,Referral,2014-04-24,Closed with explanation,Yes,No,CR0818443,3268
2014-04-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-04-24,Closed with non-monetary relief,Yes,No,CR0816522,3549
2014-04-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-23,Closed with monetary relief,Yes,No,CR0816990,3742
2014-04-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-04-25,Closed with monetary relief,Yes,No,CR0817159,260
2014-04-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-04-23,Closed with monetary relief,Yes,No,CR0814684,2636
2014-04-18,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-04-23,Closed with explanation,Yes,Yes,CR0815612,3498
2014-04-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-04-23,Closed with explanation,Yes,No,CR0815383,64
2014-04-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-04-25,Closed with explanation,Yes,No,CR0814631,1052
2014-04-17,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-04-22,Closed with monetary relief,Yes,No,CR0812752,3999
2014-04-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-04-22,Closed with explanation,Yes,No,CR0813427,4632
2014-04-16,Credit card,,Delinquent account,,,,N/A,Referral,2014-04-22,Closed with non-monetary relief,Yes,No,CR0811392,1605
2014-04-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-21,Closed with explanation,Yes,No,CR0811413,10201
2014-04-15,Credit card,,Transaction issue,,,,N/A,Referral,2014-04-18,Closed with explanation,Yes,No,CR0809846,2562
2014-04-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-18,Closed with explanation,Yes,No,CR0808718,12051
2014-04-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-04-18,Closed with monetary relief,Yes,No,CR0808721,1861
2014-04-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-17,Closed with monetary relief,Yes,No,CR0806751,4347
2014-04-14,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2014-04-17,Closed with non-monetary relief,Yes,No,CR0806765,1168
2014-04-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-15,Closed with explanation,Yes,No,CR0805352,18
2014-04-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-04-16,Closed with explanation,Yes,No,CR0805872,7102
2014-04-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-04-14,Closed with monetary relief,Yes,No,CR0802168,2662
2014-04-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-14,Closed with monetary relief,Yes,No,CR0803846,1387
2014-04-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-15,Closed with explanation,Yes,No,CR0802190,3887
2014-04-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-04-14,Closed with explanation,Yes,No,CR0804223,4071
2014-04-10,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2014-04-14,Closed with explanation,Yes,No,CR0802172,5977
2014-04-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-04-14,Closed with monetary relief,Yes,No,CR0802856,625
2014-04-10,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-15,Closed with monetary relief,Yes,No,CR0803473,3791
2014-04-09,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-04-11,Closed with explanation,Yes,No,CR0800863,4813
2014-04-09,Credit card,,Billing disputes,,,,N/A,Referral,2014-04-11,Closed with monetary relief,Yes,No,CR0801592,4492
2014-04-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-04-10,Closed with monetary relief,Yes,No,CR0798638,3248
2014-04-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-04-10,Closed with monetary relief,Yes,No,CR0799050,2522
2014-04-07,Credit card,,Other,,,,N/A,Referral,2014-04-09,Closed with monetary relief,Yes,No,CR0796615,378
2014-04-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-04-09,Closed with non-monetary relief,Yes,No,CR0796498,1330
2014-04-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-09,Closed with explanation,Yes,No,CR0796463,58
2014-04-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-09,Closed with explanation,Yes,No,CR0795866,2182
2014-04-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-04-09,Closed with non-monetary relief,Yes,No,CR0797983,3640
2014-04-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-09,Closed with explanation,Yes,No,CR0796612,6511
2014-04-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-04-09,Closed with monetary relief,Yes,No,CR0796068,1750
2014-04-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-04-09,Closed with monetary relief,Yes,No,CR0796286,4652
2014-04-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-04-09,Closed with explanation,Yes,No,CR0796460,1218
2014-04-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-04-09,Closed with monetary relief,Yes,No,CR0795405,2098
2014-04-04,Credit card,,Billing disputes,,,,N/A,Referral,2014-05-08,Closed with explanation,Yes,No,CR0793399,2662
2014-04-03,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-04-10,Closed with explanation,Yes,No,CR0791946,1705
2014-04-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-04-09,Closed with explanation,Yes,No,CR0792874,728
2014-04-03,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Referral,2014-04-08,Closed with monetary relief,Yes,No,CR0792182,4031
2014-04-03,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-08,Closed with non-monetary relief,Yes,No,CR0792754,4759
2014-04-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-04-08,Closed with monetary relief,Yes,No,CR0792538,5326
2014-04-02,Credit card,,Advertising and marketing,,,,N/A,Referral,2014-04-07,Closed with explanation,Yes,No,CR0791645,524
2014-04-02,Credit card,,Rewards,,,,N/A,Referral,2014-04-07,Closed with explanation,Yes,No,CR0789946,5760
2014-04-02,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-04-07,Closed with explanation,Yes,No,CR0790718,6892
2014-04-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-07,Closed with explanation,Yes,No,CR0790705,5445
2014-04-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-07,Closed with explanation,Yes,No,CR0790815,1835
2014-04-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-07,Closed with explanation,Yes,Yes,CR0790695,1089
2014-04-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-04-07,Closed with explanation,Yes,No,CR0790727,4214
2014-04-01,Credit card,,Other fee,,,Older American,N/A,Referral,2014-04-04,Closed with explanation,Yes,No,CR0788915,2133
2014-04-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-04-04,Closed with monetary relief,Yes,No,CR0787902,3181
2014-04-01,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2014-04-04,Closed with explanation,Yes,No,CR0788862,4140
2014-04-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-04,Closed with explanation,Yes,No,CR0788899,334
2014-03-31,Credit card,,Payoff process,,,Servicemember,N/A,Referral,2014-04-03,Closed with explanation,Yes,Yes,CR0786740,2584
2014-03-31,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2014-04-03,Closed with explanation,Yes,No,CR0785570,1481
2014-03-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-04-03,Closed,Yes,No,CR0785256,3486
2014-03-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-04-03,Closed with explanation,Yes,No,CR0783677,199
2014-03-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-04-04,Closed with explanation,Yes,No,CR0783353,1939
2014-03-27,Credit card,,Billing disputes,,,,N/A,Referral,2014-04-02,Closed with non-monetary relief,Yes,No,CR0781184,4556
2014-03-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-04-02,Closed with explanation,Yes,No,CR0780545,175
2014-03-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-04-02,Closed with monetary relief,Yes,No,CR0781631,447
2014-03-26,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2014-04-01,Closed with explanation,Yes,No,CR0778914,1163
2014-03-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-04-01,Closed with explanation,Yes,No,CR0778584,1759
2014-03-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-04-01,Closed with explanation,Yes,No,CR0778907,8667
2014-03-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-04-01,Closed with monetary relief,Yes,No,CR0779983,879
2014-03-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-04-01,Closed with explanation,Yes,No,CR0779982,1441
2014-03-25,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2014-04-01,Closed with explanation,Yes,No,CR0776273,7311
2014-03-25,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2014-04-01,Closed with explanation,Yes,No,CR0778256,5827
2014-03-24,Credit card,,Other fee,,,,N/A,Referral,2014-03-31,Closed with monetary relief,Yes,No,CR0775382,2724
2014-03-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-03-31,Closed with explanation,Yes,No,CR0774333,3086
2014-03-24,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-03-31,Closed with non-monetary relief,Yes,No,CR0775380,890
2014-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-03-28,Closed with monetary relief,Yes,No,CR0772604,2583
2014-03-20,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-03-27,Closed with explanation,Yes,No,CR0770457,1232
2014-03-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-03-27,Closed with monetary relief,Yes,No,CR0770681,971
2014-03-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-03-27,Closed with monetary relief,Yes,No,CR0770718,4718
2014-03-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-03-27,Closed with monetary relief,Yes,No,CR0770711,3608
2014-03-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-03-25,Closed with explanation,Yes,Yes,CR0765975,4293
2014-03-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-03-25,Closed with monetary relief,Yes,No,CR0766284,2235
2014-03-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-03-25,Closed with explanation,Yes,No,CR0766275,1900
2014-03-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-03-24,Closed with explanation,Yes,No,CR0765076,1999
2014-03-18,Credit card,,Other,,,,N/A,Referral,2014-03-21,Closed with explanation,Yes,No,CR0764553,4704
2014-03-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-03-21,Closed with explanation,Yes,Yes,CR0763415,192
2014-03-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-03-21,Closed with explanation,Yes,No,CR0764870,11875
2014-03-18,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2014-03-25,Closed with non-monetary relief,Yes,No,CR0764891,563
2014-03-17,Credit card,,Billing disputes,,,,N/A,Referral,2014-03-20,Closed with explanation,Yes,No,CR0761309,4230
2014-03-17,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-03-20,Closed with non-monetary relief,Yes,No,CR0760910,2571
2014-03-14,Credit card,,Billing statement,,,,N/A,Referral,2014-03-19,Closed with explanation,Yes,Yes,CR0768184,6987
2014-03-14,Credit card,,APR or interest rate,,,,N/A,Referral,2014-04-03,Closed with explanation,Yes,No,CR0767939,4863
2014-03-14,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-03-19,Closed with explanation,Yes,No,CR0767959,6829
2014-03-14,Credit card,,Billing disputes,,,,N/A,Referral,2014-03-19,Closed with explanation,Yes,Yes,CR0767651,2139
2014-03-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-03-19,Closed with explanation,Yes,No,CR0767965,637
2014-03-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-03-19,Closed with monetary relief,Yes,No,CR0767945,10511
2014-03-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-03-19,Closed with non-monetary relief,Yes,No,CR0768200,975
2014-03-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-03-19,Closed with explanation,Yes,No,CR0768257,3620
2014-03-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-03-20,Closed with explanation,Yes,No,CR0768331,5928
2014-03-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-03-20,Closed with explanation,Yes,Yes,CR0768916,2703
2014-03-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-03-20,Closed with non-monetary relief,Yes,No,CR0768221,2492
2014-03-14,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2014-03-19,Closed with explanation,Yes,No,CR0767726,3108
2014-03-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-03-18,Closed,Yes,No,CR0763151,453
2014-03-12,Credit card,,Delinquent account,,,,N/A,Referral,2014-03-14,Closed with explanation,Yes,No,CR0757717,179
2014-03-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-03-18,Closed with monetary relief,Yes,No,CR0762850,2760
2014-03-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-03-14,Closed with explanation,Yes,No,CR0757688,417
2014-03-12,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-03-14,Closed with explanation,Yes,Yes,CR0766391,2736
2014-03-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-03-17,Closed with monetary relief,Yes,No,CR0760143,1999
2014-03-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Referral,2014-03-12,Closed with explanation,Yes,No,CR0759411,728
2014-03-10,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2014-03-11,Closed with explanation,Yes,No,CR0752203,4770
2014-03-10,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2014-03-12,Closed with monetary relief,Yes,No,CR0753825,2175
2014-03-07,Credit card,,Credit determination,,,,N/A,Referral,2014-03-10,Closed with explanation,Yes,No,CR0748266,1622
2014-03-07,Credit card,,Delinquent account,,,,N/A,Referral,2014-03-13,Closed with explanation,Yes,Yes,CR0749579,11911
2014-03-07,Credit card,,Late fee,,,,N/A,Referral,2014-03-10,Closed with monetary relief,Yes,No,CR0748822,9844
2014-03-07,Credit card,,Billing statement,,,,N/A,Referral,2014-03-11,Closed with explanation,Yes,No,CR0749632,448
2014-03-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-03-11,Closed with explanation,Yes,No,CR0748322,221
2014-03-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-03-11,Closed with explanation,Yes,No,CR0749650,716
2014-03-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-03-13,Closed with explanation,Yes,No,CR0749124,142
2014-03-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-03-12,Closed with explanation,Yes,No,CR0748796,587
2014-03-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-03-10,Closed with monetary relief,Yes,No,CR0746064,9973
2014-03-05,Credit card,,Rewards,,,,N/A,Referral,2014-03-11,Closed with explanation,Yes,Yes,CR0745158,3906
2014-03-05,Credit card,,Overlimit fee,,,,N/A,Referral,2014-03-07,Closed with explanation,Yes,No,CR0743713,4492
2014-03-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-03-06,Closed with non-monetary relief,Yes,Yes,CR0744893,3850
2014-03-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-03-10,Closed with monetary relief,Yes,No,CR0741601,7434
2014-03-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-03-07,Closed with explanation,Yes,No,CR0742397,8287
2014-03-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-03-04,Closed with explanation,Yes,No,CR0740850,2004
2014-03-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-03-06,Closed with monetary relief,Yes,No,CR0739493,5215
2014-03-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-03-04,Closed with explanation,Yes,No,CR0741830,3200
2014-03-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-03-04,Closed with monetary relief,Yes,No,CR0738720,1905
2014-03-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-03-04,Closed with monetary relief,Yes,No,CR0738544,5145
2014-02-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-03-04,Closed with explanation,Yes,No,CR0737727,3012
2014-02-28,Credit card,,Billing disputes,,,,N/A,Referral,2014-03-04,Closed with explanation,Yes,Yes,CR0739376,1016
2014-02-28,Credit card,,Other fee,,,,N/A,Referral,2014-03-05,Closed with explanation,Yes,No,CR0737735,9844
2014-02-28,Credit card,,Transaction issue,,,,N/A,Referral,2014-03-05,Closed with explanation,Yes,No,CR0738115,3390
2014-02-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-03-05,Closed with explanation,Yes,No,CR0738214,11064
2014-02-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-03-05,Closed with non-monetary relief,Yes,No,CR0738200,1186
2014-02-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-03-05,Closed with explanation,Yes,No,CR0738759,1495
2014-02-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-03-05,Closed with explanation,Yes,No,CR0737734,4706
2014-02-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-03-04,Closed with explanation,Yes,No,CR0738185,4199
2014-02-27,Credit card,,Other fee,,,,N/A,Referral,2014-03-05,Closed with explanation,Yes,Yes,CR0734296,13912
2014-02-27,Credit card,,Other,,,,N/A,Referral,2014-03-04,Closed with explanation,Yes,Yes,CR0736513,3932
2014-02-27,Credit card,,Other,,,,N/A,Referral,2014-03-04,Closed with explanation,Yes,No,CR0734269,1949
2014-02-27,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2014-03-27,Closed with explanation,Yes,No,CR0736141,2936
2014-02-27,Credit card,,Billing disputes,,,,N/A,Referral,2014-03-04,Closed with non-monetary relief,Yes,No,CR0735264,9340
2014-02-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-28,Closed with explanation,Yes,No,CR0736080,3006
2014-02-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-28,Closed with monetary relief,Yes,No,CR0735852,178
2014-02-27,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2014-02-28,Closed with explanation,Yes,No,CR0736107,3297
2014-02-27,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2014-02-28,Closed with explanation,Yes,No,CR0736061,3133
2014-02-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-03-05,Closed with explanation,Yes,No,CR0734395,1368
2014-02-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-28,Closed with explanation,Yes,No,CR0736152,2421
2014-02-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-03-04,Closed with explanation,Yes,No,CR0734292,6363
2014-02-26,Credit card,,Other,,,,N/A,Referral,2014-02-28,Closed with explanation,Yes,No,CR0732942,2296
2014-02-26,Credit card,,Billing disputes,,,,N/A,Referral,2014-02-28,Closed with explanation,Yes,Yes,CR0732947,732
2014-02-26,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-27,Closed with explanation,Yes,No,CR0732460,4554
2014-02-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-02-27,Closed with monetary relief,Yes,No,CR0732932,1191
2014-02-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-02-28,Closed with monetary relief,Yes,No,CR0732936,2239
2014-02-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Referral,2014-02-26,Closed with explanation,Yes,No,CR0731341,4315
2014-02-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-26,Closed with explanation,Yes,No,CR0730702,1175
2014-02-24,Credit card,,Billing disputes,,,,N/A,Referral,2014-02-28,Closed with explanation,Yes,No,CR0729992,1213
2014-02-24,Credit card,,Billing disputes,,,,N/A,Referral,2014-02-26,Closed with explanation,Yes,No,CR0727766,1362
2014-02-24,Credit card,,Billing statement,,,,N/A,Referral,2014-02-26,Closed with explanation,Yes,No,CR0727824,3313
2014-02-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-26,Closed with explanation,Yes,No,CR0727776,2848
2014-02-24,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2014-02-26,Closed with monetary relief,Yes,No,CR0727930,3059
2014-02-21,Credit card,,Other,,,,N/A,Referral,2014-02-25,Closed with explanation,Yes,Yes,CR0724825,3095
2014-02-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-24,Closed with explanation,Yes,No,CR0725018,2432
2014-02-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-25,Closed with monetary relief,Yes,No,CR0724878,4719
2014-02-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-02-25,Closed with monetary relief,Yes,No,CR0724818,4087
2014-02-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-02-24,Closed with explanation,Yes,No,CR0722146,4472
2014-02-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-24,Closed with non-monetary relief,Yes,Yes,CR0722334,4972
2014-02-19,Credit card,,Rewards,,,,N/A,Referral,2014-02-20,Closed with explanation,Yes,No,CR0720809,3294
2014-02-19,Credit card,,Other,,,,N/A,Referral,2014-02-21,Closed with explanation,Yes,No,CR0721111,2734
2014-02-19,Credit card,,APR or interest rate,,,,N/A,Referral,2014-02-25,Closed with monetary relief,Yes,No,CR0721520,2935
2014-02-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-20,Closed with explanation,Yes,No,CR0721579,389
2014-02-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-25,Closed with explanation,Yes,No,CR0719937,7010
2014-02-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-02-21,Closed with explanation,Yes,No,CR0719974,598
2014-02-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-21,Closed with monetary relief,Yes,No,CR0719964,2451
2014-02-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-25,Closed with monetary relief,Yes,No,CR0720025,5859
2014-02-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-04-02,Closed with explanation,Yes,No,CR0720374,4504
2014-02-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-20,Closed with explanation,Yes,No,CR0722428,3904
2014-02-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-21,Closed with explanation,Yes,No,CR0721357,4597
2014-02-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-21,Closed with monetary relief,Yes,No,CR0719959,4661
2014-02-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-21,Closed with monetary relief,Yes,No,CR0719961,428
2014-02-18,Credit card,,Rewards,,,,N/A,Referral,2014-02-19,Closed with explanation,Yes,No,CR0718694,1976
2014-02-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-21,Closed with non-monetary relief,Yes,Yes,CR0718307,694
2014-02-14,Credit card,,Billing disputes,,,,N/A,Referral,2014-02-19,Closed with explanation,Yes,Yes,CR0714483,2655
2014-02-14,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-02-19,Closed with explanation,Yes,No,CR0714476,1330
2014-02-14,Credit card,,Payoff process,,,,N/A,Referral,2014-02-19,Closed with explanation,Yes,No,CR0714472,12416
2014-02-14,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Referral,2014-02-21,Closed with explanation,Yes,No,CR0715839,4749
2014-02-14,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-02-19,Closed with explanation,Yes,No,CR0715144,3533
2014-02-14,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2014-02-25,Closed with explanation,Yes,No,CR0715273,546
2014-02-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-03-11,Closed with explanation,Yes,No,CR0714474,1414
2014-02-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-19,Closed with explanation,Yes,Yes,CR0717208,953
2014-02-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-02-19,Closed with explanation,Yes,No,CR0714650,3550
2014-02-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-02-20,Closed with explanation,Yes,Yes,CR0712491,3808
2014-02-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-18,Closed with monetary relief,Yes,No,CR0711988,1417
2014-02-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-02-18,Closed with monetary relief,Yes,No,CR0712303,2325
2014-02-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-19,Closed with explanation,Yes,No,CR0713441,6731
2014-02-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-18,Closed with monetary relief,Yes,No,CR0711985,1983
2014-02-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-02-18,Closed with non-monetary relief,Yes,No,CR0712389,3106
2014-02-12,Credit card,,Billing disputes,,,,N/A,Referral,2014-02-19,Closed with explanation,Yes,Yes,CR0717461,1179
2014-02-12,Credit card,,Late fee,,,,N/A,Referral,2014-02-19,Closed with explanation,Yes,No,CR0717416,2054
2014-02-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-02-18,Closed with explanation,Yes,Yes,CR0714298,570
2014-02-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-18,Closed with explanation,Yes,Yes,CR0714038,2554
2014-02-12,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2014-02-18,Closed with explanation,Yes,No,CR0714369,4145
2014-02-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-02-18,Closed with monetary relief,Yes,No,CR0717418,2321
2014-02-11,Credit card,,Rewards,,,,N/A,Referral,2014-02-14,Closed with explanation,Yes,No,CR0707865,3947
2014-02-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-18,Closed with explanation,Yes,No,CR0709580,4046
2014-02-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-14,Closed with explanation,Yes,No,CR0708766,1432
2014-02-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-03-18,Closed with monetary relief,Yes,No,CR0709598,3710
2014-02-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-14,Closed with non-monetary relief,Yes,No,CR0709601,3286
2014-02-10,Credit card,,Credit determination,,,,N/A,Referral,2014-02-11,Closed with explanation,Yes,No,CR0707324,1663
2014-02-10,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-02-11,Closed with explanation,Yes,Yes,CR0707410,1267
2014-02-10,Credit card,,Other,,,,N/A,Referral,2014-02-11,Closed with explanation,Yes,No,CR0706905,3696
2014-02-10,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-11,Closed with explanation,Yes,No,CR0707042,2899
2014-02-07,Credit card,,Payoff process,,,,N/A,Referral,2014-02-11,Closed with explanation,Yes,No,CR0703781,2533
2014-02-07,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-02-11,Closed with non-monetary relief,Yes,No,CR0702780,506
2014-02-07,Credit card,,Cash advance fee,,,,N/A,Referral,2014-02-11,Closed with explanation,Yes,No,CR0703771,4323
2014-02-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-11,Closed with explanation,Yes,No,CR0703778,3166
2014-02-06,Credit card,,Billing disputes,,,,N/A,Referral,2014-02-07,Closed with explanation,Yes,No,CR0703033,4259
2014-02-06,Credit card,,Billing disputes,,,,N/A,Referral,2014-02-07,Closed with explanation,Yes,No,CR0700617,4259
2014-02-06,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-02-07,Closed with explanation,Yes,No,CR0700619,12358
2014-02-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-02-07,Closed with explanation,Yes,No,CR0700575,2066
2014-02-05,Credit card,,Rewards,,,,N/A,Referral,2014-02-07,Closed with explanation,Yes,No,CR0702943,4745
2014-02-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-07,Closed with monetary relief,Yes,No,CR0701839,2371
2014-02-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-07,Closed with explanation,Yes,No,CR0702856,1994
2014-02-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-07,Closed with explanation,Yes,No,CR0700648,2880
2014-02-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-10,Closed with explanation,Yes,No,CR0705879,2151
2014-02-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-03-14,Closed with explanation,Yes,No,CR0698348,1216
2014-02-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-02-19,Closed with explanation,Yes,No,CR0699154,2090
2014-02-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-10,Closed with non-monetary relief,Yes,No,CR0699778,2442
2014-02-04,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2014-02-11,Closed with explanation,Yes,No,CR0698359,4708
2014-02-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-02-07,Closed with explanation,Yes,No,CR0699803,2630
2014-02-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-07,Closed,Yes,No,CR0699752,3395
2014-02-04,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Referral,2014-02-11,Closed with explanation,Yes,No,CR0707914,3763
2014-02-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-07,Closed with explanation,Yes,No,CR0696914,1821
2014-02-01,Credit card,,Billing disputes,,,,N/A,Referral,2014-02-07,Closed with explanation,Yes,No,CR0695423,1839
2014-01-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-07,Closed with explanation,Yes,No,CR0694680,297
2014-01-31,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-10,Closed with explanation,Yes,Yes,CR0694670,2927
2014-01-30,Credit card,,Other,,,,N/A,Referral,2014-02-07,Closed with explanation,Yes,No,CR0693199,3276
2014-01-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-07,Closed with monetary relief,Yes,Yes,CR0693430,2563
2014-01-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-07,Closed with explanation,Yes,No,CR0693428,12739
2014-01-29,Credit card,,APR or interest rate,,,,N/A,Referral,2014-02-06,Closed with explanation,Yes,Yes,CR0690320,3578
2014-01-29,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-02-07,Closed with explanation,Yes,No,CR0690645,2428
2014-01-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-06,Closed with explanation,Yes,No,CR0690655,4684
2014-01-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-06,Closed with explanation,Yes,No,CR0691155,1556
2014-01-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-06,Closed with explanation,Yes,No,CR0689963,2158
2014-01-29,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-02-07,Closed with explanation,Yes,Yes,CR0691251,1842
2014-01-29,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2014-02-06,Closed with non-monetary relief,Yes,No,CR0690016,1059
2014-01-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-06,Closed with explanation,Yes,No,CR0690648,2240
2014-01-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-06,Closed with explanation,Yes,Yes,CR0688012,2604
2014-01-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-06,Closed,Yes,Yes,CR0688322,3981
2014-01-27,Credit card,,Overlimit fee,,,,N/A,Referral,2014-02-05,Closed with explanation,Yes,No,CR0687681,143
2014-01-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-02-05,Closed with explanation,Yes,Yes,CR0687739,1039
2014-01-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-05,Closed with explanation,Yes,No,CR0687751,1197
2014-01-27,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2014-02-05,Closed with non-monetary relief,Yes,No,CR0686069,9680
2014-01-25,Credit card,,Billing disputes,,,,N/A,Referral,2014-02-04,Closed with explanation,Yes,No,CR0685507,1237
2014-01-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-02-04,Closed with explanation,Yes,No,CR0683450,2670
2014-01-24,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2014-02-07,Closed with explanation,Yes,Yes,CR0683446,4754
2014-01-23,Credit card,,Closing/Cancelling account,,,Older American,N/A,Referral,2014-01-31,Closed with explanation,Yes,No,CR0682062,2475
2014-01-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-30,Closed with monetary relief,Yes,No,CR0682760,4541
2014-01-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-30,Closed with explanation,Yes,No,CR0681587,1036
2014-01-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-01-31,Closed with explanation,Yes,No,CR0683107,3344
2014-01-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2014-01-30,Closed with explanation,Yes,No,CR0681834,8726
2014-01-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-30,Closed with monetary relief,Yes,No,CR0681848,4500
2014-01-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-30,Closed with monetary relief,Yes,No,CR0682472,850
2014-01-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-01-30,Closed with explanation,Yes,No,CR0680105,4469
2014-01-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-30,Closed with explanation,Yes,No,CR0678890,3993
2014-01-21,Credit card,,Billing disputes,,,,N/A,Referral,2014-01-28,Closed with explanation,Yes,No,CR0677421,464
2014-01-21,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-01-28,Closed with explanation,Yes,No,CR0677869,3961
2014-01-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-01-28,Closed with monetary relief,Yes,No,CR0677875,2460
2014-01-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-01-28,Closed with non-monetary relief,Yes,No,CR0677876,4772
2014-01-21,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-28,Closed with non-monetary relief,Yes,No,CR0677660,1584
2014-01-21,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2014-01-29,Closed,Yes,No,CR0677345,2255
2014-01-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-01-24,Closed with explanation,Yes,No,CR0675118,2770
2014-01-17,Credit card,,Billing statement,,,,N/A,Referral,2014-01-24,Closed with explanation,Yes,No,CR0673805,57
2014-01-17,Credit card,,Billing disputes,,,,N/A,Referral,2014-01-24,Closed with explanation,Yes,Yes,CR0674329,4585
2014-01-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-01-27,Closed with explanation,Yes,No,CR0675152,3638
2014-01-16,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Referral,2014-01-23,Closed with explanation,Yes,No,CR0673506,4321
2014-01-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-01-24,Closed with explanation,Yes,No,CR0673520,3648
2014-01-15,Credit card,,Billing statement,,,,N/A,Referral,2014-01-22,Closed with explanation,Yes,No,CR0669352,3628
2014-01-15,Credit card,,Billing disputes,,,,N/A,Referral,2014-01-22,Closed with explanation,Yes,No,CR0671494,441
2014-01-15,Credit card,,Payoff process,,,,N/A,Referral,2014-01-22,Closed with explanation,Yes,No,CR0672258,4174
2014-01-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-01-15,Closed with explanation,Yes,No,CR0670333,1948
2014-01-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-01-22,Closed with monetary relief,Yes,No,CR0670609,1478
2014-01-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-01-21,Closed with monetary relief,Yes,No,CR0670378,2239
2014-01-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-01-21,Closed with explanation,Yes,No,CR0671390,746
2014-01-14,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2014-01-22,Closed with explanation,Yes,No,CR0668492,7422
2014-01-14,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Referral,2014-01-17,Closed with explanation,No,No,CR0668352,10662
2014-01-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-17,Closed with explanation,Yes,No,CR0668369,905
2014-01-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-16,Closed with explanation,Yes,No,CR0665934,2787
2014-01-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-16,Closed with explanation,Yes,No,CR0665939,3205
2014-01-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-01-16,Closed with explanation,Yes,No,CR0665942,2991
2014-01-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2014-01-13,Closed with explanation,Yes,Yes,CR0664497,3389
2014-01-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-13,Closed with monetary relief,Yes,No,CR0662141,3462
2014-01-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2014-01-13,Closed with explanation,Yes,No,CR0660666,3490
2014-01-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-01-13,Closed with explanation,Yes,Yes,CR0663200,3393
2014-01-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-13,Closed with monetary relief,Yes,No,CR0662919,3686
2014-01-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-01-13,Closed with explanation,Yes,No,CR0661431,5240
2014-01-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-13,Closed with explanation,Yes,No,CR0661108,4053
2014-01-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-13,Closed with explanation,Yes,No,CR0660621,1390
2014-01-09,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Referral,2014-01-13,Closed with monetary relief,Yes,No,CR0660624,3079
2014-01-08,Credit card,,Billing disputes,,,,N/A,Referral,2014-01-09,Closed with explanation,Yes,No,CR0659786,625
2014-01-08,Credit card,,Late fee,,,,N/A,Referral,2014-01-09,Closed with monetary relief,Yes,No,CR0660940,1409
2014-01-08,Credit card,,Billing disputes,,,,N/A,Referral,2014-01-09,Closed with explanation,Yes,Yes,CR0660608,3679
2014-01-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-09,Closed with explanation,Yes,No,CR0662849,3638
2014-01-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-01-09,Closed with monetary relief,Yes,No,CR0661007,2953
2014-01-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-01-13,Closed with monetary relief,Yes,No,CR0658782,5164
2014-01-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-01-09,Closed with explanation,Yes,No,CR0661000,3831
2014-01-07,Credit card,,Billing disputes,,,,N/A,Referral,2014-01-08,Closed with monetary relief,Yes,No,CR0657135,555
2014-01-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-01-08,Closed with monetary relief,Yes,No,CR0657132,808
2014-01-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-08,Closed with explanation,Yes,No,CR0658597,2206
2014-01-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-01-08,Closed with monetary relief,Yes,No,CR0657369,1817
2014-01-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2014-01-09,Closed with monetary relief,Yes,No,CR0656031,3210
2014-01-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-09,Closed with monetary relief,Yes,No,CR0656032,1140
2014-01-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-10,Closed with explanation,Yes,No,CR0656456,918
2014-01-03,Credit card,,APR or interest rate,,,,N/A,Referral,2014-01-08,Closed with explanation,Yes,No,CR0654037,1817
2014-01-03,Credit card,,APR or interest rate,,,,N/A,Referral,2014-01-06,Closed with explanation,Yes,No,CR0654394,44
2014-01-03,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-07,Closed with explanation,Yes,No,CR0654363,2473
2014-01-03,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-06,Closed with monetary relief,Yes,No,CR0654407,3508
2014-01-02,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-01-07,Closed with monetary relief,Yes,No,CR0652531,3020
2014-01-02,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2014-01-08,Closed with explanation,Yes,No,CR0652018,1032
2014-01-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-01-09,Closed with explanation,Yes,No,CR0652021,5232
2013-12-31,Credit card,,Other,,,,N/A,Referral,2014-01-02,Closed with monetary relief,Yes,Yes,CR0650807,4937
2013-12-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-01-09,Closed with explanation,Yes,No,CR0650800,5478
2013-12-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-01-09,Closed with monetary relief,Yes,No,CR0651019,639
2013-12-30,Credit card,,Billing statement,,,,N/A,Referral,2014-01-08,Closed with explanation,Yes,Yes,CR0648950,516
2013-12-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-09,Closed with explanation,Yes,No,CR0649637,2766
2013-12-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-01-03,Closed with explanation,Yes,No,CR0649812,4622
2013-12-27,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2013-12-31,Closed with explanation,Yes,No,CR0646979,3020
2013-12-27,Credit card,,Billing disputes,,,,N/A,Referral,2014-01-09,Closed with explanation,Yes,No,CR0647082,514
2013-12-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-12-31,Closed with explanation,Yes,No,CR0646982,4558
2013-12-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-12-30,Closed with explanation,Yes,No,CR0647121,2999
2013-12-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-12-30,Closed with monetary relief,Yes,No,CR0647329,2168
2013-12-26,Credit card,,Other,,,,N/A,Referral,2014-01-02,Closed with explanation,Yes,No,CR0645573,2599
2013-12-26,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2014-01-08,Closed with non-monetary relief,Yes,No,CR0645895,3713
2013-12-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-12-31,Closed with monetary relief,Yes,No,CR0644371,10351
2013-12-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-12-31,Closed with monetary relief,Yes,Yes,CR0644375,968
2013-12-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2014-01-06,Closed with explanation,Yes,No,CR0645303,2054
2013-12-24,Credit card,,APR or interest rate,,,,N/A,Referral,2014-01-06,Closed with explanation,Yes,No,CR0644607,4601
2013-12-24,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2014-01-06,Closed with explanation,Yes,No,CR0644604,2742
2013-12-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-06,Closed with non-monetary relief,Yes,Yes,CR0644595,2608
2013-12-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-01-06,Closed with explanation,Yes,No,CR0644589,1309
2013-12-21,Credit card,,Other,,,,N/A,Referral,2013-12-30,Closed with explanation,Yes,No,CR0641329,1745
2013-12-21,Credit card,,Other,,,,N/A,Referral,2014-01-06,Closed with non-monetary relief,Yes,Yes,CR0641312,13923
2013-12-20,Credit card,,Transaction issue,,,,N/A,Referral,2014-01-06,Closed with explanation,Yes,No,CR0640126,1074
2013-12-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-12-30,Closed with non-monetary relief,Yes,No,CR0640424,2171
2013-12-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-12-31,Closed with explanation,Yes,No,CR0642223,429
2013-12-19,Credit card,,Other,,,,N/A,Referral,2013-12-30,Closed with explanation,Yes,No,CR0638897,1942
2013-12-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-12-30,Closed with explanation,Yes,No,CR0638874,784
2013-12-19,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Referral,2013-12-30,Closed with explanation,Yes,No,CR0638478,349
2013-12-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-12-30,Closed with explanation,Yes,No,CR0638810,3636
2013-12-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-12-31,Closed with monetary relief,Yes,No,CR0638291,997
2013-12-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2014-01-02,Closed with explanation,Yes,No,CR0638476,292
2013-12-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-12-31,Closed with monetary relief,Yes,No,CR0638293,3126
2013-12-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-12-24,Closed with explanation,Yes,No,CR0644428,4644
2013-12-17,Credit card,,APR or interest rate,,,,N/A,Referral,2013-12-20,Closed with explanation,Yes,No,CR0637625,1939
2013-12-17,Credit card,,Forbearance / Workout plans,,,,N/A,Referral,2013-12-20,Closed with explanation,Yes,No,CR0636648,2310
2013-12-17,Credit card,,Other,,,,N/A,Referral,2013-12-20,Closed with explanation,Yes,No,CR0636399,4286
2013-12-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-12-23,Closed with explanation,Yes,No,CR0637304,1006
2013-12-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-12-23,Closed with monetary relief,Yes,No,CR0642470,1621
2013-12-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-12-23,Closed with explanation,Yes,No,CR0637565,182
2013-12-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-12-19,Closed with explanation,Yes,No,CR0634822,1138
2013-12-14,Credit card,,Other,,,,N/A,Referral,2013-12-18,Closed with explanation,Yes,Yes,CR0633899,882
2013-12-13,Credit card,,Billing disputes,,,,N/A,Referral,2013-12-16,Closed with explanation,Yes,No,CR0632798,967
2013-12-13,Credit card,,Delinquent account,,,,N/A,Referral,2013-12-16,Closed with explanation,Yes,No,CR0632800,2316
2013-12-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-12-18,Closed with explanation,Yes,No,CR0633329,3324
2013-12-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-12-16,Closed with monetary relief,Yes,No,CR0631095,2647
2013-12-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-12-13,Closed with monetary relief,Yes,No,CR0631396,12695
2013-12-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-12-13,Closed with monetary relief,Yes,No,CR0632103,11710
2013-12-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-12-16,Closed with explanation,Yes,No,CR0632004,4212
2013-12-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-12-13,Closed with explanation,Yes,No,CR0631099,12303
2013-12-10,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2013-12-13,Closed with explanation,Yes,Yes,CR0628663,1563
2013-12-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-12-11,Closed with explanation,Yes,No,CR0628817,1887
2013-12-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-12-10,Closed with monetary relief,Yes,No,CR0627908,253
2013-12-10,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-12-13,Closed with monetary relief,Yes,No,CR0628832,1742
2013-12-10,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-12-12,Closed with non-monetary relief,Yes,No,CR0628152,2670
2013-12-06,Credit card,,Other,,,,N/A,Referral,2013-12-11,Closed with explanation,Yes,Yes,CR0624643,2699
2013-12-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-12-10,Closed with non-monetary relief,Yes,No,CR0624302,4048
2013-12-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-12-10,Closed with monetary relief,Yes,No,CR0624303,4501
2013-12-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-12-11,Closed with explanation,Yes,No,CR0625633,1276
2013-12-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-12-11,Closed with explanation,Yes,No,CR0625540,2214
2013-12-05,Credit card,,Billing statement,,,,N/A,Referral,2013-12-06,Closed with explanation,Yes,No,CR0622536,7434
2013-12-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-12-06,Closed with explanation,Yes,No,CR0623492,3694
2013-12-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-12-06,Closed with monetary relief,Yes,No,CR0622864,2097
2013-12-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-12-06,Closed with explanation,Yes,No,CR0622854,1514
2013-12-04,Credit card,,Other,,,,N/A,Referral,2013-12-05,Closed with explanation,Yes,Yes,CR0622168,5354
2013-12-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-12-05,Closed with explanation,Yes,No,CR0621137,2515
2013-12-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-12-05,Closed with monetary relief,Yes,No,CR0621021,1783
2013-12-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-12-03,Closed with monetary relief,Yes,Yes,CR0619026,1329
2013-12-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-12-04,Closed with explanation,Yes,No,CR0619623,2256
2013-12-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-12-03,Closed with monetary relief,Yes,No,CR0619921,4299
2013-12-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-12-04,Closed with monetary relief,Yes,No,CR0619346,1129
2013-12-02,Credit card,,Billing disputes,,,,N/A,Referral,2013-12-03,Closed with explanation,Yes,No,CR0618251,4313
2013-12-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-12-03,Closed,Yes,No,CR0617575,13451
2013-12-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-12-03,Closed with explanation,Yes,No,CR0618255,11050
2013-11-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-12-02,Closed with explanation,Yes,No,CR0616136,5530
2013-11-28,Credit card,,Transaction issue,,,,N/A,Referral,2013-12-04,Closed with explanation,Yes,No,CR0615710,9945
2013-11-26,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-11-27,Closed with explanation,Yes,No,CR0613267,3519
2013-11-25,Credit card,,Other fee,,,,N/A,Referral,2013-11-27,Closed with monetary relief,Yes,No,CR0610890,2570
2013-11-25,Credit card,,Other,,,,N/A,Referral,2013-11-26,Closed with explanation,Yes,Yes,CR0610537,4029
2013-11-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-11-26,Closed with explanation,Yes,Yes,CR0611545,1294
2013-11-22,Credit card,,Transaction issue,,,,N/A,Referral,2013-11-25,Closed with explanation,Yes,No,CR0610116,1610
2013-11-21,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2013-11-22,Closed with explanation,Yes,No,CR0607863,1152
2013-11-21,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2013-11-22,Closed with explanation,Yes,No,CR0607179,4247
2013-11-21,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-22,Closed with explanation,Yes,Yes,CR0607473,1281
2013-11-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-11-25,Closed with monetary relief,Yes,No,CR0607550,3194
2013-11-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-11-25,Closed with non-monetary relief,Yes,No,CR0607853,4232
2013-11-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Referral,2013-11-25,Closed with explanation,Yes,No,CR0607487,10528
2013-11-19,Credit card,,Advertising and marketing,,,,N/A,Referral,2013-11-20,Closed with explanation,Yes,No,CR0604693,744
2013-11-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-21,Closed with explanation,Yes,Yes,CR0603654,3005
2013-11-18,Credit card,,Billing disputes,,,,N/A,Referral,2013-11-21,Closed with explanation,Yes,No,CR0602666,2144
2013-11-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-11-18,Closed with monetary relief,Yes,Yes,CR0601720,1321
2013-11-18,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2013-11-19,Closed with monetary relief,Yes,No,CR0601729,1016
2013-11-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-11-19,Closed with non-monetary relief,Yes,No,CR0602093,3514
2013-11-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-11-19,Closed with explanation,Yes,No,CR0602661,2467
2013-11-15,Credit card,,Other,,,,N/A,Referral,2013-11-15,Closed with explanation,Yes,No,CR0599734,2310
2013-11-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-11-19,Closed,Yes,No,CR0599924,3218
2013-11-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2013-11-15,Closed with non-monetary relief,Yes,No,CR0600090,7286
2013-11-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-11-18,Closed with monetary relief,Yes,No,CR0599338,3660
2013-11-13,Credit card,,Arbitration,,,,N/A,Referral,2013-11-20,Closed with explanation,Yes,No,CR0595554,1158
2013-11-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-11-15,Closed with monetary relief,Yes,No,CR0596993,1517
2013-11-12,Credit card,,APR or interest rate,,,,N/A,Referral,2013-11-13,Closed with explanation,Yes,No,CR0594183,3058
2013-11-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-13,Closed with explanation,Yes,No,CR0594135,2906
2013-11-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-22,Closed with monetary relief,Yes,No,CR0594266,2656
2013-11-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-11-13,Closed with monetary relief,Yes,No,CR0594359,2505
2013-11-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Referral,2013-11-08,Closed,Yes,Yes,CR0592576,2101
2013-11-08,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2013-11-13,Closed with explanation,Yes,No,CR0591348,3559
2013-11-07,Credit card,,Delinquent account,,,,N/A,Referral,2013-11-08,Closed with explanation,Yes,No,CR0589439,248
2013-11-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-11-08,Closed with non-monetary relief,Yes,No,CR0589436,1507
2013-11-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-12,Closed with explanation,Yes,Yes,CR0590690,6698
2013-11-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-13,Closed with monetary relief,Yes,No,CR0589005,4691
2013-11-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-11-08,Closed with monetary relief,Yes,No,CR0590472,3501
2013-11-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-08,Closed with explanation,Yes,No,CR0589415,1703
2013-11-06,Credit card,,Billing disputes,,,,N/A,Referral,2013-11-07,Closed with explanation,Yes,No,CR0589400,3530
2013-11-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-11-07,Closed with explanation,Yes,Yes,CR0587248,3207
2013-11-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-07,Closed with explanation,Yes,No,CR0587555,1448
2013-11-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-07,Closed with explanation,Yes,No,CR0588873,3812
2013-11-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-07,Closed with monetary relief,Yes,No,CR0588305,3987
2013-11-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-07,Closed with monetary relief,Yes,No,CR0588584,758
2013-11-05,Credit card,,Balance transfer,,,,N/A,Referral,2013-11-06,Closed with explanation,Yes,No,CR0586708,3681
2013-11-05,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-11-07,Closed with explanation,Yes,No,CR0586383,4004
2013-11-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-06,Closed with non-monetary relief,Yes,No,CR0586722,13955
2013-11-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-07,Closed with monetary relief,Yes,No,CR0587035,4647
2013-11-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-07,Closed with explanation,Yes,No,CR0586388,4956
2013-11-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-11-06,Closed with explanation,Yes,No,CR0587028,4684
2013-11-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-11-06,Closed with monetary relief,Yes,No,CR0584646,5774
2013-11-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-06,Closed with monetary relief,Yes,No,CR0585479,325
2013-11-01,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2013-11-18,Closed with explanation,Yes,Yes,CR0581509,4633
2013-11-01,Credit card,,Other,,,,N/A,Referral,2013-11-06,Closed with explanation,Yes,No,CR0583011,2441
2013-11-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-11-06,Closed with monetary relief,Yes,No,CR0581036,3266
2013-11-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-05,Closed with explanation,Yes,No,CR0582999,2083
2013-11-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-11-04,Closed with monetary relief,Yes,No,CR0581453,3298
2013-11-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-12-06,Closed with explanation,Yes,No,CR0581457,4672
2013-11-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-11-05,Closed with explanation,Yes,No,CR0581042,1272
2013-11-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-11-06,Closed with non-monetary relief,Yes,No,CR0581048,3051
2013-10-31,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2013-11-04,Closed with monetary relief,Yes,No,CR0579680,1999
2013-10-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-11-04,Closed with explanation,Yes,No,CR0579683,613
2013-10-31,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Referral,2013-11-06,Closed with explanation,Yes,No,CR0579050,4131
2013-10-31,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-11-04,Closed with monetary relief,Yes,No,CR0579099,2436
2013-10-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-11-13,Closed with explanation,Yes,Yes,CR0579085,4464
2013-10-30,Credit card,,Other,,,,N/A,Referral,2013-11-01,Closed with monetary relief,Yes,No,CR0577219,990
2013-10-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-04,Closed with explanation,Yes,Yes,CR0577238,4649
2013-10-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-11-01,Closed with monetary relief,Yes,No,CR0577245,3157
2013-10-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-10-31,Closed with explanation,Yes,No,CR0577262,4306
2013-10-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-05,Closed with monetary relief,Yes,No,CR0577255,1535
2013-10-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-06,Closed with monetary relief,Yes,No,CR0578548,2354
2013-10-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-01,Closed with explanation,Yes,Yes,CR0577204,5866
2013-10-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-11-04,Closed with explanation,Yes,No,CR0578546,4596
2013-10-29,Credit card,,Billing disputes,,,,N/A,Referral,2013-12-30,Closed with explanation,Yes,No,CR0574950,11271
2013-10-29,Credit card,,Other fee,,,,N/A,Referral,2013-10-30,Closed with explanation,Yes,No,CR0576634,417
2013-10-29,Credit card,,Billing disputes,,,,N/A,Referral,2013-10-30,Closed with non-monetary relief,Yes,No,CR0576130,2255
2013-10-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-10-29,Closed with explanation,Yes,No,CR0573752,2910
2013-10-24,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-10-24,Closed with explanation,Yes,Yes,CR0569649,3764
2013-10-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-10-25,Closed with explanation,Yes,No,CR0570583,1188
2013-10-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-10-25,Closed with explanation,Yes,No,CR0570389,2327
2013-10-24,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2013-10-25,Closed with explanation,Yes,No,CR0569532,567
2013-10-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-10-25,Closed with explanation,Yes,No,CR0569928,3477
2013-10-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-10-25,Closed with monetary relief,Yes,No,CR0570447,4494
2013-10-23,Credit card,,Delinquent account,,,,N/A,Referral,2013-10-24,Closed with explanation,Yes,No,CR0568171,4482
2013-10-23,Credit card,,Other,,,,N/A,Referral,2013-10-24,Closed with explanation,Yes,No,CR0567774,3730
2013-10-23,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Referral,2013-10-23,Closed with explanation,Yes,No,CR0567715,1506
2013-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-24,Closed with monetary relief,Yes,No,CR0568938,684
2013-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-24,Closed with monetary relief,Yes,No,CR0568189,3727
2013-10-22,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Referral,2013-10-22,Closed with monetary relief,Yes,No,CR0566428,3916
2013-10-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-23,Closed with explanation,Yes,No,CR0566929,2880
2013-10-22,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-10-23,Closed with explanation,Yes,No,CR0567008,8287
2013-10-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-10-23,Closed with explanation,Yes,No,CR0566847,2266
2013-10-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-10-22,Closed with explanation,Yes,No,CR0564708,3835
2013-10-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-10-23,Closed with explanation,Yes,Yes,CR0565298,4811
2013-10-18,Credit card,,Delinquent account,,,,N/A,Referral,2013-10-21,Closed with non-monetary relief,Yes,No,CR0563736,4193
2013-10-18,Credit card,,Other,,,,N/A,Referral,2013-10-21,Closed with explanation,Yes,No,CR0564146,3099
2013-10-18,Credit card,,Other fee,,,,N/A,Referral,2013-10-21,Closed with explanation,Yes,No,CR0563411,843
2013-10-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-10-18,Closed with explanation,Yes,No,CR0563259,1043
2013-10-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-10-21,Closed with monetary relief,Yes,No,CR0563737,639
2013-10-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-10-22,Closed with explanation,Yes,No,CR0563739,511
2013-10-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-21,Closed with explanation,Yes,Yes,CR0563747,3147
2013-10-18,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Referral,2013-10-18,Closed with explanation,Yes,No,CR0562881,2192
2013-10-18,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Referral,2013-10-18,Closed with explanation,Yes,Yes,CR0563096,4245
2013-10-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-10-21,Closed with monetary relief,Yes,No,CR0563631,664
2013-10-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-21,Closed with explanation,Yes,Yes,CR0562137,729
2013-10-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-10-22,Closed with monetary relief,Yes,No,CR0561902,402
2013-10-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-10-18,Closed with explanation,Yes,Yes,CR0561487,3948
2013-10-17,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-10-17,Closed with explanation,Yes,No,CR0561474,11327
2013-10-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-10-18,Closed with explanation,Yes,No,CR0561811,2732
2013-10-16,Credit card,,Unsolicited issuance of credit card,,,,N/A,Referral,2013-10-17,Closed with explanation,Yes,No,CR0560527,1536
2013-10-16,Credit card,,Late fee,,,,N/A,Referral,2013-10-17,Closed with explanation,Yes,No,CR0560499,2534
2013-10-16,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-16,Closed with monetary relief,Yes,No,CR0560352,9174
2013-10-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-10-17,Closed with monetary relief,Yes,No,CR0560737,2242
2013-10-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-10-17,Closed with monetary relief,Yes,No,CR0560516,1563
2013-10-16,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-17,Closed with explanation,Yes,No,CR0560882,895
2013-10-15,Credit card,,Billing disputes,,,,N/A,Referral,2013-10-16,Closed with explanation,Yes,Yes,CR0559227,6798
2013-10-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-10-16,Closed with monetary relief,Yes,No,CR0559565,2808
2013-10-11,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-10-11,Closed with explanation,Yes,Yes,CR0557814,7863
2013-10-11,Credit card,,Other,,,,N/A,Referral,2013-10-16,Closed with explanation,Yes,No,CR0557977,2352
2013-10-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-29,Closed with explanation,Yes,No,CR0557876,11676
2013-10-11,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-10-11,Closed with explanation,Yes,No,CR0557941,2021
2013-10-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-15,Closed with explanation,Yes,No,CR0557967,1047
2013-10-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-10-11,Closed with explanation,Yes,Yes,CR0557897,1335
2013-10-10,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-10-16,Closed with explanation,Yes,No,CR0557008,2802
2013-10-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-10,Closed with explanation,Yes,No,CR0556830,11050
2013-10-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-10-11,Closed with explanation,Yes,No,CR0557477,23
2013-10-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-11,Closed with explanation,Yes,Yes,CR0557268,5333
2013-10-09,Credit card,,Late fee,,,,N/A,Referral,2013-10-10,Closed with explanation,Yes,Yes,CR0556608,4085
2013-10-09,Credit card,,Billing disputes,,,,N/A,Referral,2013-10-10,Closed with non-monetary relief,Yes,No,CR0556395,2985
2013-10-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-10-10,Closed with explanation,Yes,No,CR0556083,7112
2013-10-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-10-10,Closed with monetary relief,Yes,No,CR0556079,2701
2013-10-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-10,Closed with explanation,Yes,No,CR0555815,8678
2013-10-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-10-10,Closed with monetary relief,Yes,Yes,CR0556136,3347
2013-10-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-10-10,Closed with explanation,Yes,No,CR0556457,2471
2013-10-08,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Referral,2013-10-08,Closed with explanation,Yes,No,CR0555147,3834
2013-10-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-10-08,Closed with explanation,Yes,Yes,CR0555254,3931
2013-10-07,Credit card,,Cash advance,,,,N/A,Referral,2013-10-08,Closed with monetary relief,Yes,No,CR0554002,4949
2013-10-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-10-08,Closed with explanation,Yes,Yes,CR0554309,4467
2013-10-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-10-08,Closed with explanation,Yes,No,CR0554226,1442
2013-10-07,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Referral,2013-10-08,Closed with monetary relief,Yes,No,CR0554269,4782
2013-10-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-10-08,Closed with explanation,Yes,No,CR0554292,4542
2013-10-04,Credit card,,Transaction issue,,,,N/A,Referral,2013-10-07,Closed with monetary relief,Yes,No,CR0552790,2456
2013-10-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-07,Closed,Yes,Yes,CR0552833,2147
2013-10-04,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-10-08,Closed with explanation,Yes,No,CR0553474,606
2013-10-04,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-10-07,Closed with explanation,Yes,Yes,CR0553249,3634
2013-10-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-10-03,Closed with explanation,Yes,No,CR0551644,2000
2013-10-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2013-10-04,Closed with explanation,Yes,No,CR0551850,3821
2013-10-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-10-03,Closed with explanation,Yes,No,CR0551479,1624
2013-10-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-03,Closed with explanation,Yes,No,CR0551042,2974
2013-10-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-10-03,Closed with explanation,Yes,Yes,CR0550818,4231
2013-10-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-03,Closed with monetary relief,Yes,No,CR0550893,2612
2013-10-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-03,Closed with explanation,Yes,No,CR0550777,4551
2013-10-02,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Referral,2013-10-03,Closed with explanation,Yes,No,CR0550853,1275
2013-10-01,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-01,Closed with explanation,Yes,No,CR0549444,9173
2013-10-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-02,Closed with explanation,Yes,No,CR0549733,1063
2013-10-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-02,Closed with monetary relief,Yes,No,CR0549611,482
2013-09-30,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-10-01,Closed with explanation,Yes,No,CR0547750,1641
2013-09-30,Credit card,,Billing disputes,,,,N/A,Referral,2013-10-02,Closed with explanation,Yes,No,CR0548495,3707
2013-09-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-01,Closed with explanation,Yes,No,CR0547418,2626
2013-09-27,Credit card,,Other,,,,N/A,Referral,2013-09-30,Closed with explanation,Yes,No,CR0546043,4311
2013-09-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-27,Closed,Yes,No,CR0545599,1925
2013-09-26,Credit card,,Payoff process,,,,N/A,Referral,2013-09-30,Closed with explanation,Yes,No,CR0544880,1087
2013-09-25,Credit card,,Delinquent account,,,,N/A,Referral,2013-09-27,Closed with explanation,Yes,No,CR0542615,421
2013-09-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-11-06,Closed with explanation,Yes,No,CR0542282,3582
2013-09-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-27,Closed with explanation,Yes,No,CR0542609,3126
2013-09-24,Credit card,,Balance transfer,,,,N/A,Referral,2013-09-25,Closed with monetary relief,Yes,No,CR0539542,14
2013-09-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-24,Closed with explanation,Yes,No,CR0539691,517
2013-09-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-25,Closed with explanation,Yes,No,CR0540551,1676
2013-09-23,Credit card,,APR or interest rate,,,,N/A,Referral,2013-09-24,Closed with explanation,Yes,Yes,CR0539017,156
2013-09-23,Credit card,,Rewards,,,,N/A,Referral,2013-09-25,Closed with explanation,Yes,No,CR0538246,3686
2013-09-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-09-23,Closed with monetary relief,Yes,No,CR0538060,4155
2013-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-23,Closed with explanation,Yes,Yes,CR0537926,11857
2013-09-20,Credit card,,APR or interest rate,,,,N/A,Referral,2013-09-20,Closed with explanation,Yes,No,CR0535836,338
2013-09-20,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-23,Closed with explanation,Yes,No,CR0536711,2438
2013-09-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-23,Closed with explanation,Yes,No,CR0536874,3882
2013-09-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-23,Closed with explanation,Yes,No,CR0535702,3231
2013-09-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-23,Closed with explanation,Yes,No,CR0535696,1704
2013-09-19,Credit card,,Application processing delay,,,,N/A,Referral,2013-09-20,Closed with explanation,Yes,No,CR0535249,3242
2013-09-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-09-19,Closed with explanation,Yes,No,CR0533970,2105
2013-09-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-19,Closed with explanation,Yes,No,CR0534321,3488
2013-09-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-20,Closed with explanation,Yes,No,CR0535170,10209
2013-09-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-23,Closed with explanation,Yes,No,CR0535505,2679
2013-09-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-19,Closed with explanation,Yes,No,CR0532066,407
2013-09-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-09-19,Closed with monetary relief,Yes,No,CR0533156,1420
2013-09-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-18,Closed with explanation,Yes,Yes,CR0531085,2902
2013-09-16,Credit card,,Payoff process,,,,N/A,Referral,2013-09-18,Closed with explanation,Yes,No,CR0528722,2154
2013-09-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-09-18,Closed with monetary relief,Yes,No,CR0529945,1456
2013-09-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-18,Closed with monetary relief,Yes,No,CR0529946,4573
2013-09-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-17,Closed with explanation,Yes,No,CR0528429,4164
2013-09-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-18,Closed,Yes,Yes,CR0529957,938
2013-09-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-18,Closed with explanation,Yes,No,CR0529426,2784
2013-09-13,Credit card,,Other,,,,N/A,Referral,2013-09-16,Closed with explanation,Yes,No,CR0527395,378
2013-09-13,Credit card,,Billing disputes,,,,N/A,Referral,2013-09-17,Closed with explanation,Yes,No,CR0527607,2427
2013-09-13,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2013-09-16,Closed with explanation,Yes,No,CR0527488,909
2013-09-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-16,Closed with monetary relief,Yes,No,CR0527342,1844
2013-09-12,Credit card,,Other,,,,N/A,Referral,2013-09-12,Closed with explanation,Yes,Yes,CR0525198,3019
2013-09-12,Credit card,,Late fee,,,,N/A,Referral,2013-09-16,Closed with explanation,Yes,No,CR0525789,3772
2013-09-12,Credit card,,Rewards,,,,N/A,Referral,2013-09-13,Closed with explanation,Yes,No,CR0525490,4053
2013-09-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-09-12,Closed with explanation,Yes,No,CR0525185,646
2013-09-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-09-13,Closed with explanation,Yes,No,CR0525487,1864
2013-09-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-13,Closed with explanation,Yes,No,CR0525040,1809
2013-09-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-10-29,Closed with explanation,Yes,No,CR0525984,2367
2013-09-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-09-16,Closed with non-monetary relief,Yes,No,CR0525034,3904
2013-09-11,Credit card,,Billing disputes,,,,N/A,Referral,2013-09-12,Closed with explanation,Yes,No,CR0523261,2236
2013-09-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-12,Closed with explanation,Yes,No,CR0523366,4242
2013-09-10,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-09-11,Closed with explanation,Yes,No,CR0522423,4343
2013-09-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-09-10,Closed with monetary relief,Yes,No,CR0521753,2055
2013-09-09,Credit card,,Other,,,,N/A,Referral,2013-09-10,Closed with non-monetary relief,Yes,No,CR0520000,410
2013-09-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-10,Closed with explanation,Yes,No,CR0519999,2639
2013-09-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-09-10,Closed with monetary relief,Yes,No,CR0520025,1666
2013-09-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-09-10,Closed with explanation,Yes,No,CR0520344,2581
2013-09-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-09-10,Closed with explanation,Yes,No,CR0520682,1589
2013-09-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-09-09,Closed with explanation,Yes,No,CR0519664,13480
2013-09-06,Credit card,,Other,,,,N/A,Referral,2013-09-09,Closed with explanation,Yes,No,CR0517225,2826
2013-09-06,Credit card,,Transaction issue,,,,N/A,Referral,2013-09-06,Closed with explanation,Yes,No,CR0517753,3814
2013-09-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-09-09,Closed with explanation,Yes,Yes,CR0516966,1548
2013-09-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-09-09,Closed with explanation,Yes,No,CR0518306,3077
2013-09-06,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2013-09-09,Closed with explanation,Yes,No,CR0518370,1862
2013-09-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-09,Closed with explanation,Yes,Yes,CR0517731,2076
2013-09-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-09-09,Closed with explanation,Yes,No,CR0517725,173
2013-09-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-06,Closed,Yes,No,CR0515374,225
2013-09-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-09-05,Closed with explanation,Yes,No,CR0515613,3854
2013-09-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-09-05,Closed with monetary relief,Yes,Yes,CR0515743,2527
2013-09-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-05,Closed with explanation,Yes,No,CR0511688,1947
2013-09-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-05,Closed with monetary relief,Yes,No,CR0514550,4137
2013-09-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-04,Closed with explanation,Yes,No,CR0513260,11709
2013-09-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-09-04,Closed with monetary relief,Yes,No,CR0513407,4659
2013-08-30,Credit card,,Billing disputes,,,,N/A,Referral,2013-09-03,Closed with non-monetary relief,Yes,No,CR0510834,4202
2013-08-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-09-04,Closed with explanation,Yes,No,CR0511091,2885
2013-08-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-03,Closed with monetary relief,Yes,No,CR0510829,918
2013-08-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-09-04,Closed with explanation,Yes,No,CR0511116,4539
2013-08-29,Credit card,,Other,,,,N/A,Referral,2013-08-30,Closed with explanation,Yes,Yes,CR0511633,2762
2013-08-29,Credit card,,Other,,,,N/A,Referral,2013-08-30,Closed with explanation,Yes,No,CR0509758,5243
2013-08-29,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2013-08-30,Closed with non-monetary relief,Yes,No,CR0509211,816
2013-08-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-08-29,Closed with monetary relief,Yes,No,CR0509101,4570
2013-08-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-09-03,Closed with explanation,Yes,No,CR0509197,2991
2013-08-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-29,Closed with explanation,Yes,No,CR0509048,3830
2013-08-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-08-29,Closed with monetary relief,Yes,No,CR0506274,2518
2013-08-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-29,Closed with explanation,Yes,No,CR0506206,7390
2013-08-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-08-29,Closed with explanation,Yes,No,CR0501886,846
2013-08-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-08-28,Closed with explanation,Yes,No,CR0505827,12908
2013-08-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-08-28,Closed with monetary relief,Yes,No,CR0505901,3417
2013-08-26,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2013-08-27,Closed with non-monetary relief,Yes,Yes,CR0504643,39
2013-08-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-08-26,Closed with explanation,Yes,Yes,CR0503390,3357
2013-08-23,Credit card,,Balance transfer,,,,N/A,Referral,2013-08-26,Closed with explanation,Yes,Yes,CR0503426,498
2013-08-23,Credit card,,Other,,,,N/A,Referral,2013-08-23,Closed with non-monetary relief,Yes,No,CR0502339,1036
2013-08-23,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2013-08-26,Closed with explanation,Yes,No,CR0502504,432
2013-08-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-08-26,Closed with monetary relief,Yes,No,CR0503730,6469
2013-08-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-08-26,Closed with explanation,Yes,Yes,CR0503337,4217
2013-08-21,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2013-08-22,Closed with explanation,Yes,No,CR0499554,4311
2013-08-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-22,Closed with explanation,Yes,No,CR0499658,225
2013-08-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-08-22,Closed with explanation,Yes,No,CR0500258,2185
2013-08-20,Credit card,,Billing disputes,,,,N/A,Referral,2013-08-22,Closed with monetary relief,Yes,No,CR0498115,3526
2013-08-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-08-20,Closed with explanation,Yes,No,CR0496764,575
2013-08-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-08-21,Closed with explanation,Yes,No,CR0497145,673
2013-08-20,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-21,Closed with explanation,Yes,No,CR0497131,2237
2013-08-19,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-08-20,Closed with explanation,Yes,Yes,CR0496229,4602
2013-08-19,Credit card,,Delinquent account,,,,N/A,Referral,2013-08-20,Closed with explanation,Yes,No,CR0495172,902
2013-08-16,Credit card,,Other,,,,N/A,Referral,2013-08-19,Closed with explanation,Yes,No,CR0494359,4822
2013-08-16,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-20,Closed with explanation,Yes,No,CR0494193,4088
2013-08-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-19,Closed with explanation,Yes,Yes,CR0494954,1841
2013-08-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-08-19,Closed with explanation,Yes,No,CR0493606,1830
2013-08-15,Credit card,,Forbearance / Workout plans,,,,N/A,Referral,2013-08-16,Closed with non-monetary relief,Yes,No,CR0490395,1682
2013-08-15,Credit card,,Billing disputes,,,,N/A,Referral,2013-08-16,Closed with non-monetary relief,Yes,Yes,CR0490224,5067
2013-08-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-08-19,Closed with explanation,Yes,No,CR0490272,5517
2013-08-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-08-16,Closed with non-monetary relief,Yes,No,CR0490262,3585
2013-08-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-08-19,Closed with monetary relief,Yes,No,CR0490257,3507
2013-08-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2013-08-19,Closed with explanation,Yes,Yes,CR0490387,32
2013-08-14,Credit card,,Other fee,,,,N/A,Referral,2013-08-15,Closed with monetary relief,Yes,No,CR0489525,1478
2013-08-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-15,Closed with explanation,Yes,Yes,CR0489535,2630
2013-08-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-09-12,Closed with explanation,Yes,Yes,CR0489971,784
2013-08-13,Credit card,,Billing disputes,,,,N/A,Referral,2013-08-14,Closed with non-monetary relief,Yes,Yes,CR0491802,4453
2013-08-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-15,Closed with non-monetary relief,Yes,No,CR0489166,1778
2013-08-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-20,Closed with monetary relief,Yes,No,CR0491886,3365
2013-08-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-08-15,Closed with explanation,Yes,No,CR0488973,191
2013-08-12,Credit card,,Billing disputes,,,,N/A,Referral,2013-08-14,Closed with non-monetary relief,Yes,No,CR0488240,11126
2013-08-12,Credit card,,Late fee,,,,N/A,Referral,2013-08-21,Closed with explanation,Yes,No,CR0487248,3623
2013-08-12,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2013-08-13,Closed with explanation,Yes,No,CR0487146,7043
2013-08-09,Credit card,,Billing disputes,,,,N/A,Referral,2013-08-12,Closed with explanation,Yes,No,CR0485568,741
2013-08-09,Credit card,,Billing disputes,,,,N/A,Referral,2013-08-12,Closed with explanation,Yes,No,CR0485444,2580
2013-08-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-12,Closed with explanation,Yes,No,CR0485698,4189
2013-08-09,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-13,Closed with explanation,Yes,Yes,CR0486889,2950
2013-08-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-08-13,Closed with explanation,Yes,No,CR0486317,1728
2013-08-08,Credit card,,Billing disputes,,,,N/A,Referral,2013-08-12,Closed with non-monetary relief,Yes,No,CR0483556,4256
2013-08-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-12,Closed with monetary relief,Yes,No,CR0483648,1311
2013-08-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-12,Closed with explanation,Yes,No,CR0482771,3109
2013-08-07,Credit card,,Unsolicited issuance of credit card,,,,N/A,Referral,2013-08-08,Closed with explanation,Yes,No,CR0483020,4795
2013-08-07,Credit card,,Bankruptcy,,,,N/A,Referral,2013-08-08,Closed with explanation,Yes,No,CR0483004,4837
2013-08-07,Credit card,,Other,,,,N/A,Referral,2013-08-09,Closed with explanation,Yes,No,CR0482562,3737
2013-08-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-08-09,Closed with monetary relief,Yes,No,CR0483044,13090
2013-08-06,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-07,Closed with non-monetary relief,Yes,No,CR0482410,4275
2013-08-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-08-08,Closed with monetary relief,Yes,No,CR0481514,4726
2013-08-05,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-08-07,Closed with non-monetary relief,Yes,No,CR0474644,2263
2013-08-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-08,Closed with monetary relief,Yes,No,CR0474663,603
2013-08-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-07,Closed with monetary relief,Yes,No,CR0474753,17
2013-08-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-08-07,Closed with explanation,Yes,No,CR0474655,2260
2013-08-02,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2013-08-29,Closed with explanation,Yes,Yes,CR0471506,2954
2013-08-02,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2013-08-05,Closed with explanation,Yes,Yes,CR0472875,584
2013-08-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-08-05,Closed with explanation,Yes,No,CR0473086,2848
2013-08-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-08-07,Closed with explanation,Yes,No,CR0472729,4813
2013-08-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-05,Closed with explanation,Yes,No,CR0471745,4543
2013-08-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-08-05,Closed with explanation,Yes,Yes,CR0473035,1220
2013-08-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-08-05,Closed with explanation,Yes,No,CR0472656,2333
2013-08-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-08-05,Closed with monetary relief,Yes,No,CR0471878,1936
2013-08-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-05,Closed with explanation,Yes,No,CR0472944,2774
2013-07-31,Credit card,,Billing disputes,,,,N/A,Referral,2013-08-05,Closed with explanation,Yes,Yes,CR0471413,2021
2013-07-31,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-08-05,Closed with explanation,Yes,No,CR0471197,12382
2013-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-08-02,Closed with explanation,Yes,Yes,CR0471426,2289
2013-07-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-08-05,Closed with monetary relief,Yes,No,CR0471414,3799
2013-07-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-31,Closed with explanation,Yes,No,CR0470365,231
2013-07-30,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Referral,2013-07-31,Closed with explanation,Yes,No,CR0470341,2560
2013-07-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-31,Closed with non-monetary relief,Yes,No,CR0470193,12397
2013-07-29,Credit card,,Advertising and marketing,,,,N/A,Referral,2013-07-30,Closed with explanation,Yes,No,CR0469278,4769
2013-07-29,Credit card,,Forbearance / Workout plans,,,,N/A,Referral,2013-07-30,Closed with explanation,Yes,No,CR0469025,3206
2013-07-29,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-07-30,Closed with non-monetary relief,Yes,Yes,CR0469041,3904
2013-07-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-07-30,Closed with non-monetary relief,Yes,No,CR0468848,4626
2013-07-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-07-30,Closed with explanation,Yes,No,CR0468994,137
2013-07-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-07-30,Closed with explanation,Yes,No,CR0468761,1073
2013-07-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-30,Closed with monetary relief,Yes,No,CR0468790,1908
2013-07-29,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2013-08-02,Closed with explanation,Yes,No,CR0469825,2157
2013-07-26,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2013-07-30,Closed with explanation,Yes,Yes,CR0479379,4923
2013-07-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-29,Closed,Yes,No,CR0468219,3462
2013-07-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-29,Closed with monetary relief,Yes,No,CR0466399,317
2013-07-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-26,Closed with explanation,Yes,No,CR0466810,2610
2013-07-24,Credit card,,Other fee,,,,N/A,Referral,2013-07-26,Closed with explanation,Yes,No,CR0465203,13924
2013-07-24,Credit card,,Credit card protection / Debt protection,,,Servicemember,N/A,Referral,2013-07-26,Closed with explanation,Yes,Yes,CR0466133,900
2013-07-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-26,Closed with explanation,Yes,No,CR0465841,3492
2013-07-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-07-25,Closed with explanation,Yes,No,CR0465697,2222
2013-07-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-26,Closed with non-monetary relief,Yes,No,CR0465240,406
2013-07-23,Credit card,,Billing disputes,,,,N/A,Referral,2013-07-25,Closed with explanation,Yes,Yes,CR0463688,3518
2013-07-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-24,Closed with monetary relief,Yes,No,CR0464660,2197
2013-07-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-07-24,Closed with explanation,Yes,No,CR0462955,740
2013-07-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-07-24,Closed with monetary relief,Yes,Yes,CR0462956,3437
2013-07-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-22,Closed with monetary relief,Yes,No,CR0462036,2957
2013-07-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-07-22,Closed with monetary relief,Yes,No,CR0462072,510
2013-07-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-07-23,Closed with monetary relief,Yes,No,CR0462200,170
2013-07-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-24,Closed with explanation,Yes,No,CR0472511,1727
2013-07-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-07-22,Closed with explanation,Yes,No,CR0462015,3287
2013-07-18,Credit card,,Other,,,,N/A,Referral,2013-07-19,Closed with explanation,Yes,Yes,CR0460835,470
2013-07-18,Credit card,,Balance transfer,,,,N/A,Referral,2013-07-19,Closed with explanation,Yes,No,CR0461167,4076
2013-07-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-19,Closed with monetary relief,Yes,No,CR0460823,5441
2013-07-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-07-19,Closed with explanation,Yes,No,CR0460453,1647
2013-07-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-19,Closed with explanation,Yes,No,CR0461721,4209
2013-07-17,Credit card,,Payoff process,,,,N/A,Referral,2013-07-19,Closed with explanation,Yes,No,CR0460284,265
2013-07-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-07-19,Closed with explanation,Yes,No,CR0459962,6691
2013-07-17,Credit card,,Billing disputes,,,,N/A,Referral,2013-07-19,Closed with monetary relief,Yes,No,CR0460265,280
2013-07-17,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-19,Closed with monetary relief,Yes,Yes,CR0479608,3535
2013-07-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-19,Closed with monetary relief,Yes,No,CR0460169,3920
2013-07-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-19,Closed with monetary relief,Yes,No,CR0460239,4492
2013-07-16,Credit card,,Delinquent account,,,,N/A,Referral,2013-07-16,Closed with explanation,Yes,Yes,CR0476007,555
2013-07-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-17,Closed with monetary relief,Yes,No,CR0458994,3965
2013-07-16,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-07-17,Closed with explanation,Yes,No,CR0458907,5243
2013-07-15,Credit card,,Credit determination,,,,N/A,Referral,2013-07-16,Closed with explanation,Yes,Yes,CR0472084,11123
2013-07-15,Credit card,,Billing disputes,,,,N/A,Referral,2013-07-16,Closed with explanation,Yes,No,CR0458146,4170
2013-07-15,Credit card,,Billing disputes,,,,N/A,Referral,2013-07-16,Closed with explanation,Yes,No,CR0458157,3645
2013-07-15,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-07-15,Closed with explanation,Yes,No,CR0475378,1726
2013-07-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-07-17,Closed with explanation,Yes,No,CR0458129,525
2013-07-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-16,Closed with monetary relief,Yes,No,CR0457560,13469
2013-07-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-07-17,Closed with monetary relief,Yes,No,CR0458168,3085
2013-07-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-07-19,Closed with explanation,Yes,No,CR0458118,4298
2013-07-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-07-17,Closed with monetary relief,Yes,No,CR0475182,2559
2013-07-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-07-16,Closed with monetary relief,Yes,No,CR0457340,4742
2013-07-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-16,Closed with explanation,Yes,No,CR0457558,7241
2013-07-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2014-01-07,Closed with monetary relief,Yes,No,CR0458030,4270
2013-07-12,Credit card,,Billing disputes,,,,N/A,Referral,2013-07-15,Closed with monetary relief,Yes,No,CR0456327,586
2013-07-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-07-18,Closed with monetary relief,Yes,No,CR0456305,4057
2013-07-12,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-15,Closed with explanation,Yes,Yes,CR0456119,887
2013-07-11,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-07-12,Closed with explanation,Yes,No,CR0455228,1575
2013-07-11,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2013-07-15,Closed with explanation,Yes,No,CR0455231,2298
2013-07-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-07-16,Closed with explanation,Yes,No,CR0455147,987
2013-07-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-07-15,Closed with monetary relief,Yes,No,CR0454810,1644
2013-07-10,Credit card,,Other fee,,,,N/A,Referral,2013-07-11,Closed with monetary relief,Yes,No,CR0453372,3991
2013-07-10,Credit card,,Other,,,,N/A,Referral,2013-07-11,Closed with explanation,Yes,Yes,CR0453380,27
2013-07-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-07-12,Closed with explanation,Yes,No,CR0454390,4191
2013-07-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-15,Closed with monetary relief,Yes,No,CR0454397,2719
2013-07-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-07-12,Closed with monetary relief,Yes,No,CR0453857,4104
2013-07-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-12,Closed with explanation,Yes,No,CR0453668,1468
2013-07-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-07-15,Closed with explanation,Yes,No,CR0453905,769
2013-07-09,Credit card,,Billing disputes,,,,N/A,Referral,2013-07-10,Closed with explanation,Yes,No,CR0452439,5928
2013-07-09,Credit card,,APR or interest rate,,,,N/A,Referral,2013-07-11,Closed with explanation,Yes,No,CR0452258,679
2013-07-09,Credit card,,APR or interest rate,,,,N/A,Referral,2013-07-11,Closed with explanation,Yes,Yes,CR0453050,3931
2013-07-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-12,Closed with explanation,Yes,No,CR0452211,2400
2013-07-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-07-15,Closed with explanation,Yes,No,CR0452687,4050
2013-07-09,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2013-07-15,Closed with explanation,Yes,No,CR0452509,2693
2013-07-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-07-15,Closed with monetary relief,Yes,No,CR0452244,1645
2013-07-05,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-07-08,Closed with explanation,Yes,No,CR0449532,389
2013-07-05,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2013-07-09,Closed with explanation,Yes,No,CR0449728,4564
2013-07-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-09,Closed with non-monetary relief,Yes,No,CR0450161,4073
2013-07-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-09,Closed with explanation,Yes,No,CR0450155,911
2013-07-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-08,Closed with explanation,Yes,Yes,CR0448599,3329
2013-07-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-07-08,Closed with monetary relief,Yes,No,CR0448618,1204
2013-07-02,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-07-08,Closed with explanation,Yes,No,CR0447639,963
2013-07-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-07-08,Closed with explanation,Yes,No,CR0447627,3906
2013-07-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-07-05,Closed with monetary relief,Yes,No,CR0447587,2296
2013-07-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-05,Closed with explanation,Yes,Yes,CR0447598,682
2013-07-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-07-05,Closed with explanation,Yes,No,CR0446773,855
2013-07-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-07-05,Closed with monetary relief,Yes,No,CR0447579,591
2013-07-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-07-02,Closed with monetary relief,Yes,No,CR0447269,2067
2013-06-29,Credit card,,APR or interest rate,,,,N/A,Referral,2013-07-02,Closed with explanation,Yes,No,CR0446272,2786
2013-06-27,Credit card,,Rewards,,,,N/A,Referral,2013-07-01,Closed with explanation,Yes,Yes,CR0444374,2938
2013-06-27,Credit card,,Rewards,,,,N/A,Referral,2013-06-28,Closed with explanation,Yes,No,CR0445302,4146
2013-06-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-07-01,Closed with explanation,Yes,No,CR0444358,114
2013-06-27,Credit card,,Billing disputes,,,,N/A,Referral,2013-06-28,Closed with explanation,Yes,No,CR0445391,2599
2013-06-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-07-01,Closed with monetary relief,Yes,No,CR0444365,3718
2013-06-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-06-28,Closed with monetary relief,Yes,No,CR0444501,12616
2013-06-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2013-06-28,Closed with explanation,Yes,No,CR0445466,1442
2013-06-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-06-28,Closed with monetary relief,Yes,No,CR0445487,837
2013-06-26,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-06-27,Closed with explanation,Yes,No,CR0444032,3506
2013-06-26,Credit card,,Other fee,,,,N/A,Referral,2013-06-27,Closed with monetary relief,Yes,No,CR0443069,2430
2013-06-25,Credit card,,Billing disputes,,,,N/A,Referral,2013-06-27,Closed with monetary relief,Yes,Yes,CR0441578,2084
2013-06-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-06-26,Closed with non-monetary relief,Yes,No,CR0442176,1370
2013-06-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-06-26,Closed with monetary relief,Yes,No,CR0441933,1883
2013-06-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-26,Closed with explanation,Yes,No,CR0442639,1224
2013-06-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-26,Closed with explanation,Yes,No,CR0441967,26
2013-06-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-06-25,Closed with non-monetary relief,Yes,No,CR0441344,2923
2013-06-22,Credit card,,Collection practices,,,,N/A,Referral,2013-06-25,Closed with explanation,Yes,No,CR0438458,5338
2013-06-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-06-24,Closed with explanation,Yes,No,CR0439131,11516
2013-06-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-07-08,Closed with explanation,Yes,No,CR0439517,846
2013-06-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-06-21,Closed with explanation,Yes,No,CR0439076,1014
2013-06-20,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-21,Closed with explanation,Yes,No,CR0439067,3804
2013-06-20,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2013-06-21,Closed with explanation,Yes,Yes,CR0437234,494
2013-06-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-07-03,Closed,Yes,No,CR0437989,3107
2013-06-18,Credit card,,Transaction issue,,,,N/A,Referral,2013-06-20,Closed with monetary relief,Yes,No,CR0435884,4090
2013-06-18,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-19,Closed with explanation,Yes,Yes,CR0436041,1308
2013-06-18,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-20,Closed with explanation,Yes,No,CR0435893,12810
2013-06-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-06-19,Closed with monetary relief,Yes,Yes,CR0435294,95
2013-06-18,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Servicemember,N/A,Referral,2013-07-16,Closed with explanation,Yes,No,CR0437266,478
2013-06-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-06-18,Closed with explanation,Yes,No,CR0435245,543
2013-06-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-18,Closed with explanation,Yes,No,CR0435454,2856
2013-06-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-18,Closed with monetary relief,Yes,No,CR0435610,3679
2013-06-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-19,Closed with explanation,Yes,No,CR0435704,72
2013-06-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-18,Closed with explanation,Yes,No,CR0435679,3602
2013-06-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-19,Closed with explanation,Yes,Yes,CR0435872,4989
2013-06-15,Credit card,,Payoff process,,,,N/A,Referral,2013-06-18,Closed with non-monetary relief,Yes,No,CR0430902,4497
2013-06-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2013-06-18,Closed with explanation,Yes,Yes,CR0433028,1564
2013-06-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-18,Closed with explanation,Yes,No,CR0433027,2734
2013-06-14,Credit card,,Billing disputes,,,,N/A,Referral,2013-06-17,Closed with non-monetary relief,Yes,Yes,CR0432581,578
2013-06-14,Credit card,,Billing disputes,,,,N/A,Referral,2013-06-17,Closed with monetary relief,Yes,No,CR0431062,1378
2013-06-14,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2013-06-18,Closed with explanation,Yes,No,CR0432765,638
2013-06-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-18,Closed with explanation,Yes,No,CR0432582,345
2013-06-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-06-17,Closed with explanation,Yes,No,CR0432914,5579
2013-06-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-06-13,Closed with explanation,Yes,No,CR0431371,2738
2013-06-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-06-14,Closed with explanation,Yes,Yes,CR0431380,10389
2013-06-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-14,Closed with monetary relief,Yes,No,CR0432099,4496
2013-06-13,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2013-06-14,Closed with explanation,Yes,No,CR0430701,1862
2013-06-12,Credit card,,Billing disputes,,,,N/A,Referral,2013-06-14,Closed with explanation,Yes,Yes,CR0430249,776
2013-06-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-13,Closed with monetary relief,Yes,No,CR0431404,5404
2013-06-12,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-13,Closed with non-monetary relief,Yes,Yes,CR0431532,3811
2013-06-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-06-13,Closed with monetary relief,Yes,No,CR0431304,348
2013-06-11,Credit card,,Billing disputes,,,,N/A,Referral,2013-06-12,Closed with explanation,Yes,Yes,CR0428558,7800
2013-06-10,Credit card,,Balance transfer,,,,N/A,Referral,2013-06-11,Closed with monetary relief,Yes,No,CR0427832,1673
2013-06-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-06-11,Closed with explanation,Yes,No,CR0428600,6478
2013-06-07,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-06-10,Closed with explanation,Yes,No,CR0426691,3165
2013-06-07,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-06-10,Closed with explanation,Yes,No,CR0427328,803
2013-06-07,Credit card,,Late fee,,,,N/A,Referral,2013-06-10,Closed with monetary relief,Yes,No,CR0426685,4170
2013-06-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-10,Closed with monetary relief,Yes,No,CR0427449,785
2013-06-07,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Referral,2013-06-10,Closed with explanation,Yes,Yes,CR0427228,2417
2013-06-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-06-10,Closed with monetary relief,Yes,No,CR0426751,2358
2013-06-06,Credit card,,Advertising and marketing,,,,N/A,Referral,2013-06-07,Closed with explanation,Yes,No,CR0427126,206
2013-06-06,Credit card,,Other fee,,,,N/A,Referral,2013-06-07,Closed with non-monetary relief,Yes,Yes,CR0426136,3550
2013-06-06,Credit card,,Transaction issue,,,,N/A,Referral,2013-06-07,Closed with explanation,Yes,No,CR0426143,9174
2013-06-06,Credit card,,Billing disputes,,,,N/A,Referral,2013-07-22,Closed with explanation,Yes,Yes,CR0427212,4250
2013-06-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-07,Closed with explanation,Yes,No,CR0426019,1074
2013-06-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-06-11,Closed with non-monetary relief,Yes,No,CR0426354,3463
2013-06-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-10,Closed with explanation,Yes,No,CR0426141,2208
2013-06-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-06-10,Closed with explanation,Yes,Yes,CR0426349,12943
2013-06-04,Credit card,,Advertising and marketing,,,,N/A,Referral,2013-06-06,Closed with non-monetary relief,Yes,Yes,CR0423673,4861
2013-06-04,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-07,Closed with explanation,Yes,No,CR0424638,12328
2013-06-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-06-05,Closed with explanation,Yes,No,CR0423697,5366
2013-06-04,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2013-06-07,Closed with explanation,Yes,No,CR0424576,13924
2013-06-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-06-06,Closed with non-monetary relief,Yes,No,CR0424718,4596
2013-06-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-06-06,Closed with explanation,Yes,Yes,CR0424671,1359
2013-06-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-06-06,Closed with explanation,Yes,No,CR0424748,2095
2013-06-03,Credit card,,Billing disputes,,,,N/A,Referral,2013-06-05,Closed with explanation,Yes,No,CR0423066,2788
2013-06-03,Credit card,,Payoff process,,,,N/A,Referral,2013-06-05,Closed with monetary relief,Yes,No,CR0422377,1309
2013-06-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-06-04,Closed with monetary relief,Yes,No,CR0422787,3745
2013-06-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-06-05,Closed with monetary relief,Yes,No,CR0422055,5366
2013-06-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-06-05,Closed with monetary relief,Yes,No,CR0423060,4786
2013-06-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-06-04,Closed with monetary relief,Yes,No,CR0422809,993
2013-06-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-06-06,Closed with non-monetary relief,Yes,Yes,CR0422683,4107
2013-06-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-06-03,Closed with explanation,Yes,No,CR0421700,4355
2013-06-01,Credit card,,Collection debt dispute,,,,N/A,Referral,2013-06-04,Closed with non-monetary relief,Yes,No,CR0421708,2988
2013-06-01,Credit card,,Credit determination,,,,N/A,Referral,2013-06-04,Closed with explanation,Yes,Yes,CR0421743,3607
2013-06-01,Credit card,,Collection debt dispute,,,,N/A,Referral,2013-06-04,Closed with non-monetary relief,Yes,Yes,CR0421741,4778
2013-05-31,Credit card,,Billing disputes,,,,N/A,Referral,2013-06-03,Closed with explanation,Yes,No,CR0421111,1489
2013-05-31,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2013-06-03,Closed with explanation,Yes,No,CR0421493,6499
2013-05-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-03,Closed with explanation,Yes,No,CR0421460,4132
2013-05-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-03,Closed with explanation,Yes,No,CR0421514,4150
2013-05-30,Credit card,,Transaction issue,,,,N/A,Referral,2013-05-31,Closed with explanation,Yes,Yes,CR0420490,4709
2013-05-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-05-31,Closed with explanation,Yes,No,CR0420119,2429
2013-05-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-31,Closed with monetary relief,Yes,No,CR0420188,11319
2013-05-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-06-03,Closed with explanation,Yes,No,CR0420719,2469
2013-05-29,Credit card,,Delinquent account,,,,N/A,Referral,2013-05-30,Closed with explanation,Yes,Yes,CR0418878,13548
2013-05-29,Credit card,,Billing disputes,,,,N/A,Referral,2013-05-30,Closed with explanation,Yes,No,CR0418780,3303
2013-05-29,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2013-06-27,Closed with explanation,Yes,No,CR0419210,1028
2013-05-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-05-30,Closed with explanation,Yes,No,CR0418749,2762
2013-05-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-05-30,Closed with explanation,Yes,No,CR0418798,3978
2013-05-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-30,Closed with explanation,Yes,No,CR0418805,2570
2013-05-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-05-30,Closed with explanation,Yes,No,CR0419158,1410
2013-05-27,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-29,Closed with explanation,Yes,No,CR0416840,2989
2013-05-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-28,Closed with explanation,Yes,No,CR0416197,10
2013-05-23,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-05-24,Closed with explanation,Yes,No,CR0414207,1327
2013-05-23,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-05-24,Closed with explanation,Yes,No,CR0414687,2591
2013-05-23,Credit card,,Other,,,,N/A,Referral,2013-05-28,Closed with explanation,Yes,No,CR0415807,249
2013-05-23,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2013-05-24,Closed with explanation,Yes,No,CR0415484,3063
2013-05-22,Credit card,,Collection debt dispute,,,,N/A,Referral,2013-07-02,Closed with explanation,Yes,No,CR0414470,675
2013-05-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-23,Closed with explanation,Yes,No,CR0414110,1644
2013-05-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-23,Closed with explanation,Yes,No,CR0414491,2224
2013-05-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-05-24,Closed with explanation,Yes,No,CR0414421,1096
2013-05-22,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Referral,2013-05-24,Closed with explanation,Yes,No,CR0413686,836
2013-05-21,Credit card,,Other,,,,N/A,Referral,2013-05-23,Closed with explanation,Yes,No,CR0412773,3131
2013-05-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-23,Closed with explanation,Yes,No,CR0412294,374
2013-05-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-05-23,Closed with explanation,Yes,No,CR0413333,189
2013-05-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-22,Closed with explanation,Yes,No,CR0412534,12490
2013-05-21,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2014-03-06,Closed with explanation,Yes,,CR0412302,625
2013-05-20,Credit card,,Billing disputes,,,,N/A,Referral,2013-05-22,Closed with explanation,Yes,No,CR0410829,8777
2013-05-20,Credit card,,Billing disputes,,,,N/A,Referral,2013-05-21,Closed with monetary relief,Yes,No,CR0411822,7727
2013-05-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-05-21,Closed with explanation,Yes,No,CR0411844,4003
2013-05-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-05-21,Closed with explanation,Yes,Yes,CR0411507,4615
2013-05-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-05-21,Closed with explanation,Yes,No,CR0411910,768
2013-05-17,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-21,Closed with monetary relief,Yes,No,CR0410189,2537
2013-05-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-05-20,Closed with monetary relief,Yes,No,CR0410661,171
2013-05-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-05-20,Closed with explanation,Yes,No,CR0410235,1916
2013-05-16,Credit card,,Other fee,,,,N/A,Referral,2013-05-17,Closed with explanation,Yes,No,CR0409073,1190
2013-05-16,Credit card,,Other fee,,,,N/A,Referral,2013-05-17,Closed with monetary relief,Yes,No,CR0409616,494
2013-05-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-05-17,Closed with explanation,No,No,CR0409198,4169
2013-05-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-17,Closed with monetary relief,No,No,CR0409571,4083
2013-05-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-05-17,Closed with explanation,Yes,No,CR0409613,8091
2013-05-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-05-17,Closed with monetary relief,Yes,No,CR0408828,633
2013-05-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-05-20,Closed with monetary relief,Yes,No,CR0409904,4184
2013-05-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-05-17,Closed with explanation,No,No,CR0408464,6750
2013-05-15,Credit card,,Billing statement,,,,N/A,Referral,2013-05-17,Closed with explanation,Yes,Yes,CR0408461,2827
2013-05-15,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2013-05-16,Closed with explanation,Yes,No,CR0408415,2808
2013-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-16,Closed,Yes,No,CR0408252,1912
2013-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-16,Closed with monetary relief,Yes,No,CR0408489,2623
2013-05-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-05-16,Closed with explanation,Yes,No,CR0408494,1306
2013-05-14,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2013-05-15,Closed with explanation,Yes,Yes,CR0406649,4482
2013-05-14,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-05-15,Closed with explanation,Yes,No,CR0407011,12662
2013-05-14,Credit card,,Other fee,,,,N/A,Referral,2013-05-15,Closed with monetary relief,Yes,No,CR0406670,3956
2013-05-14,Credit card,,Collection practices,,,,N/A,Referral,2013-05-15,Closed with explanation,Yes,No,CR0406819,1272
2013-05-14,Credit card,,Billing disputes,,,,N/A,Referral,2013-05-17,Closed with explanation,Yes,No,CR0407267,10987
2013-05-14,Credit card,,Credit determination,,,"Older American, Servicemember",N/A,Referral,2013-05-15,Closed with explanation,Yes,No,CR0407417,1266
2013-05-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-05-16,Closed with non-monetary relief,Yes,No,CR0407268,2469
2013-05-13,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2013-05-14,Closed with explanation,Yes,No,CR0405324,3620
2013-05-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-05-15,Closed with explanation,Yes,No,CR0405869,1610
2013-05-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-14,Closed with monetary relief,Yes,No,CR0405306,4696
2013-05-13,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2013-05-14,Closed with non-monetary relief,Yes,Yes,CR0405277,928
2013-05-10,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-05-14,Closed with explanation,Yes,No,CR0404957,10963
2013-05-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-05-14,Closed with explanation,Yes,No,CR0404937,2511
2013-05-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-05-13,Closed with monetary relief,Yes,No,CR0404539,11701
2013-05-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-05-14,Closed with explanation,Yes,No,CR0404935,3309
2013-05-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-05-13,Closed with explanation,Yes,Yes,CR0404582,2155
2013-05-09,Credit card,,Billing disputes,,,,N/A,Referral,2013-05-14,Closed with explanation,Yes,Yes,CR0403402,61
2013-05-08,Credit card,,APR or interest rate,,,,N/A,Referral,2013-05-13,Closed with explanation,Yes,Yes,CR0402436,4710
2013-05-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-05-10,Closed with monetary relief,Yes,No,CR0402683,2961
2013-05-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-10,Closed with explanation,Yes,No,CR0402432,1383
2013-05-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-05-10,Closed with explanation,Yes,No,CR0401961,2242
2013-05-07,Credit card,,Delinquent account,,,Older American,N/A,Referral,2013-05-08,Closed with explanation,Yes,No,CR0400345,125
2013-05-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-05-08,Closed with explanation,Yes,No,CR0401516,4084
2013-05-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-05-09,Closed with monetary relief,Yes,No,CR0401894,1591
2013-05-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-09,Closed with explanation,Yes,No,CR0401710,4476
2013-05-06,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-05-10,Closed with explanation,Yes,Yes,CR0400207,2602
2013-05-03,Credit card,,Billing disputes,,,,N/A,Referral,2013-05-07,Closed with explanation,Yes,No,CR0399124,862
2013-05-03,Credit card,,Billing disputes,,,,N/A,Referral,2013-05-07,Closed with explanation,Yes,No,CR0399120,1703
2013-05-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-03,Closed with monetary relief,Yes,No,CR0398542,13448
2013-05-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-07,Closed with explanation,Yes,No,CR0399139,9721
2013-05-02,Credit card,,Collection debt dispute,,,,N/A,Referral,2013-05-07,Closed with explanation,Yes,No,CR0396874,3358
2013-05-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-05-03,Closed with explanation,Yes,No,CR0397426,339
2013-05-02,Credit card,,Collection practices,,,,N/A,Referral,2013-05-02,Closed with explanation,Yes,No,CR0396957,6257
2013-05-01,Credit card,,Other,,,,N/A,Referral,2013-05-03,Closed with explanation,Yes,No,CR0396835,2241
2013-05-01,Credit card,,Billing disputes,,,,N/A,Referral,2013-05-02,Closed with explanation,Yes,No,CR0396447,1331
2013-05-01,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-05-02,Closed with explanation,Yes,No,CR0396827,5046
2013-05-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-05-02,Closed with monetary relief,Yes,No,CR0397048,3894
2013-04-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-05-02,Closed with explanation,Yes,No,CR0396119,1190
2013-04-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-05-01,Closed with explanation,Yes,No,CR0395328,4377
2013-04-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-30,Closed with monetary relief,Yes,No,CR0395344,3622
2013-04-29,Credit card,,Other fee,,,,N/A,Referral,2013-04-30,Closed with monetary relief,Yes,No,CR0394132,4565
2013-04-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-04-30,Closed with explanation,Yes,No,CR0394662,6186
2013-04-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-05-01,Closed with monetary relief,Yes,No,CR0394223,7112
2013-04-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-30,Closed with explanation,Yes,No,CR0394194,11545
2013-04-28,Credit card,,Delinquent account,,,Servicemember,N/A,Referral,2013-04-29,Closed with explanation,Yes,Yes,CR0393443,2337
2013-04-26,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Referral,2013-04-26,Closed with monetary relief,Yes,No,CR0392928,2833
2013-04-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-05-13,Closed with explanation,Yes,Yes,CR0393248,1592
2013-04-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-04-29,Closed with explanation,Yes,No,CR0393296,4030
2013-04-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-30,Closed with non-monetary relief,Yes,No,CR0393825,4249
2013-04-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-26,Closed with explanation,No,No,CR0392659,3141
2013-04-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-04-29,Closed with non-monetary relief,Yes,No,CR0393253,3498
2013-04-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-30,Closed with explanation,Yes,Yes,CR0393542,10077
2013-04-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-04-25,Closed with explanation,Yes,No,CR0391726,1547
2013-04-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-26,Closed with explanation,Yes,No,CR0391754,5398
2013-04-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-26,Closed with explanation,Yes,No,CR0392124,5385
2013-04-24,Credit card,,Billing statement,,,,N/A,Referral,2013-04-26,Closed with explanation,Yes,No,CR0390593,4354
2013-04-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-04-26,Closed with explanation,Yes,Yes,CR0389256,3233
2013-04-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-04-26,Closed with explanation,Yes,No,CR0390773,3484
2013-04-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-05-03,Closed with non-monetary relief,Yes,No,CR0390551,4353
2013-04-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-25,Closed with explanation,Yes,No,CR0390164,8030
2013-04-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-24,Closed with monetary relief,Yes,No,CR0390076,763
2013-04-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-25,Closed with monetary relief,Yes,No,CR0390582,1642
2013-04-23,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-04-24,Closed with explanation,Yes,Yes,CR0388799,2103
2013-04-23,Credit card,,APR or interest rate,,,,N/A,Referral,2013-04-24,Closed with explanation,Yes,No,CR0389581,1795
2013-04-23,Credit card,,Billing disputes,,,,N/A,Referral,2013-04-24,Closed with monetary relief,Yes,No,CR0389055,1770
2013-04-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-24,Closed with explanation,Yes,Yes,CR0389090,13190
2013-04-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-24,Closed with explanation,Yes,No,CR0388718,1614
2013-04-23,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-24,Closed with monetary relief,Yes,No,CR0389051,3925
2013-04-22,Credit card,,Billing disputes,,,,N/A,Referral,2013-04-22,Closed with monetary relief,Yes,No,CR0388147,3951
2013-04-22,Credit card,,Late fee,,,,N/A,Referral,2013-04-24,Closed with explanation,Yes,No,CR0388541,2889
2013-04-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-04-22,Closed with explanation,Yes,No,CR0387973,769
2013-04-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-23,Closed,Yes,No,CR0388164,1281
2013-04-22,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-04-23,Closed with non-monetary relief,Yes,No,CR0388158,1028
2013-04-19,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-04-22,Closed with explanation,Yes,No,CR0387146,1999
2013-04-19,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Referral,2013-06-12,Closed with explanation,Yes,Yes,CR0387412,12417
2013-04-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-19,Closed with explanation,Yes,No,CR0386607,3065
2013-04-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-23,Closed with non-monetary relief,Yes,No,CR0386887,1663
2013-04-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-22,Closed with explanation,Yes,No,CR0387809,2092
2013-04-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-04-19,Closed with explanation,Yes,No,CR0385032,2414
2013-04-18,Credit card,,APR or interest rate,,,,N/A,Referral,2013-04-19,Closed with monetary relief,Yes,No,CR0386330,3984
2013-04-18,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2013-04-18,Closed with explanation,Yes,No,CR0385339,188
2013-04-18,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2013-04-22,Closed with explanation,Yes,No,CR0386197,837
2013-04-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-18,Closed with non-monetary relief,Yes,No,CR0385044,4107
2013-04-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-04-19,Closed with explanation,Yes,No,CR0385243,1888
2013-04-16,Credit card,,Payoff process,,,,N/A,Referral,2013-04-18,Closed with explanation,Yes,No,CR0383991,937
2013-04-16,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-04-16,Closed with explanation,Yes,No,CR0383425,1347
2013-04-16,Credit card,,Credit line increase/decrease,,,Servicemember,N/A,Referral,2013-04-18,Closed with explanation,Yes,No,CR0384186,3285
2013-04-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-04-17,Closed with monetary relief,Yes,No,CR0383851,293
2013-04-15,Credit card,,Credit reporting,,,,N/A,Referral,2013-04-17,Closed with explanation,Yes,No,CR0382879,2089
2013-04-15,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-04-16,Closed with explanation,Yes,Yes,CR0382862,3233
2013-04-15,Credit card,,Billing disputes,,,,N/A,Referral,2013-04-16,Closed with explanation,Yes,No,CR0381927,3055
2013-04-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-17,Closed with monetary relief,Yes,No,CR0382902,3171
2013-04-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-16,Closed with non-monetary relief,Yes,No,CR0382860,10563
2013-04-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-16,Closed with monetary relief,Yes,No,CR0382864,3137
2013-04-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-04-17,Closed with monetary relief,Yes,No,CR0382909,5461
2013-04-12,Credit card,,Billing disputes,,,Servicemember,N/A,Referral,2013-07-17,Closed with explanation,Yes,Yes,CR0380817,4779
2013-04-12,Credit card,,Credit reporting,,,,N/A,Referral,2013-04-18,Closed with explanation,Yes,No,CR0381359,265
2013-04-12,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2013-04-12,Closed with explanation,Yes,No,CR0381049,5081
2013-04-12,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-04-15,Closed with explanation,Yes,No,CR0381376,2242
2013-04-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-15,Closed with monetary relief,Yes,No,CR0381350,7863
2013-04-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-15,Closed with explanation,Yes,No,CR0381098,9760
2013-04-11,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Referral,2013-04-16,Closed with explanation,Yes,No,CR0380231,2823
2013-04-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-12,Closed with monetary relief,Yes,No,CR0380360,547
2013-04-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-15,Closed with explanation,Yes,No,CR0380244,1122
2013-04-10,Credit card,,Credit reporting,,,,N/A,Referral,2013-04-15,Closed with explanation,Yes,Yes,CR0378715,3893
2013-04-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-11,Closed with monetary relief,Yes,No,CR0378640,324
2013-04-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-11,Closed with explanation,Yes,No,CR0379273,608
2013-04-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-12,Closed with monetary relief,Yes,No,CR0378953,7010
2013-04-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-12,Closed with monetary relief,Yes,No,CR0379220,3187
2013-04-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-10,Closed,Yes,No,CR0378516,3179
2013-04-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-10,Closed with explanation,Yes,No,CR0378015,75
2013-04-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-10,Closed with monetary relief,Yes,No,CR0378040,980
2013-04-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-04-12,Closed with explanation,Yes,No,CR0378062,4630
2013-04-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-12,Closed with explanation,Yes,No,CR0378075,2435
2013-04-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-10,Closed with explanation,Yes,No,CR0378081,4194
2013-04-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-12,Closed with explanation,Yes,Yes,CR0377957,712
2013-04-08,Credit card,,APR or interest rate,,,,N/A,Referral,2013-04-09,Closed with explanation,Yes,No,CR0376715,9362
2013-04-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-09,Closed with monetary relief,Yes,No,CR0376726,1280
2013-04-05,Credit card,,Billing disputes,,,,N/A,Referral,2013-04-08,Closed with explanation,Yes,No,CR0375506,2504
2013-04-05,Credit card,,APR or interest rate,,,,N/A,Referral,2013-04-08,Closed with explanation,Yes,Yes,CR0375683,2559
2013-04-05,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-04-08,Closed,Yes,No,CR0375796,507
2013-04-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-04-08,Closed,Yes,No,CR0375855,1872
2013-04-04,Credit card,,Billing disputes,,,,N/A,Referral,2013-04-05,Closed with explanation,Yes,No,CR0374283,591
2013-04-03,Credit card,,Credit determination,,,,N/A,Referral,2013-04-05,Closed,Yes,Yes,CR0372274,1366
2013-04-03,Credit card,,Credit reporting,,,,N/A,Referral,2013-04-04,Closed with explanation,Yes,No,CR0373272,4400
2013-04-03,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-04-04,Closed with explanation,Yes,No,CR0373558,5873
2013-04-03,Credit card,,Credit reporting,,,,N/A,Referral,2013-04-03,Closed with explanation,Yes,No,CR0373757,4678
2013-04-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-05,Closed with monetary relief,Yes,No,CR0371862,4265
2013-04-02,Credit card,,Late fee,,,,N/A,Referral,2013-04-04,Closed with explanation,Yes,Yes,CR0373139,1623
2013-04-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-04-03,Closed with explanation,Yes,No,CR0371363,1783
2013-04-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-02,Closed with monetary relief,Yes,Yes,CR0370937,2358
2013-03-29,Credit card,,APR or interest rate,,,,N/A,Referral,2013-04-01,Closed with explanation,Yes,No,CR0369605,1838
2013-03-29,Credit card,,Billing disputes,,,,N/A,Referral,2013-04-01,Closed with non-monetary relief,Yes,Yes,CR0369887,3560
2013-03-29,Credit card,,Other fee,,,,N/A,Referral,2013-04-01,Closed with explanation,Yes,No,CR0368923,3968
2013-03-29,Credit card,,Billing disputes,,,,N/A,Referral,2013-04-02,Closed with explanation,Yes,No,CR0369946,2420
2013-03-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-04-02,Closed with non-monetary relief,Yes,Yes,CR0369902,1431
2013-03-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-29,Closed with explanation,Yes,No,CR0368977,282
2013-03-29,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-29,Closed with monetary relief,Yes,No,CR0369856,4139
2013-03-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-02,Closed with explanation,Yes,No,CR0369912,1297
2013-03-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-03-29,Closed with monetary relief,Yes,No,CR0368075,528
2013-03-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-04-02,Closed with monetary relief,Yes,No,CR0368078,4234
2013-03-27,Credit card,,Billing disputes,,,,N/A,Referral,2013-03-27,Closed with explanation,Yes,No,CR0365916,753
2013-03-27,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-03-29,Closed with monetary relief,Yes,No,CR0367044,11381
2013-03-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-03-27,Closed with monetary relief,Yes,No,CR0366575,3667
2013-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-27,Closed with explanation,Yes,No,CR0366802,1039
2013-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-28,Closed with explanation,Yes,No,CR0367379,7150
2013-03-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-03-28,Closed with monetary relief,Yes,No,CR0366373,12095
2013-03-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-27,Closed with explanation,Yes,No,CR0366437,4272
2013-03-26,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-03-27,Closed with explanation,Yes,No,CR0366431,1038
2013-03-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-27,Closed with explanation,Yes,Yes,CR0365270,4667
2013-03-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-27,Closed with explanation,Yes,No,CR0365251,2266
2013-03-25,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Referral,2013-03-27,Closed with explanation,Yes,No,CR0364857,3954
2013-03-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-25,Closed with monetary relief,Yes,No,CR0363672,3159
2013-03-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-25,Closed with explanation,Yes,No,CR0363682,3988
2013-03-21,Credit card,,Late fee,,,,N/A,Referral,2013-03-22,Closed with explanation,Yes,No,CR0362615,9433
2013-03-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-22,Closed with explanation,Yes,Yes,CR0361714,3372
2013-03-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-03-22,Closed with monetary relief,Yes,No,CR0362721,33
2013-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-22,Closed with monetary relief,Yes,No,CR0361562,3959
2013-03-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-03-25,Closed with explanation,Yes,No,CR0362397,3739
2013-03-20,Credit card,,Credit reporting,,,Older American,N/A,Referral,2013-03-21,Closed with explanation,Yes,No,CR0360521,2468
2013-03-20,Credit card,,APR or interest rate,,,,N/A,Referral,2013-03-22,Closed with explanation,Yes,No,CR0361342,1090
2013-03-20,Credit card,,Billing disputes,,,,N/A,Referral,2013-03-22,Closed with explanation,Yes,Yes,CR0361363,246
2013-03-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-22,Closed with monetary relief,Yes,No,CR0361339,3440
2013-03-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-20,Closed with explanation,Yes,No,CR0360525,4505
2013-03-20,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-20,Closed with monetary relief,Yes,No,CR0360624,893
2013-03-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-03-21,Closed with explanation,Yes,No,CR0361329,2318
2013-03-19,Credit card,,Credit reporting,,,,N/A,Referral,2013-03-21,Closed with explanation,Yes,No,CR0360450,2992
2013-03-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-03-21,Closed with explanation,Yes,No,CR0360470,705
2013-03-18,Credit card,,Other fee,,,,N/A,Referral,2013-03-18,Closed with explanation,Yes,No,CR0355953,1967
2013-03-18,Credit card,,Billing disputes,,,,N/A,Referral,2013-03-18,Closed with explanation,Yes,No,CR0357949,2642
2013-03-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-19,Closed with monetary relief,Yes,No,CR0358892,310
2013-03-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-18,Closed with explanation,Yes,Yes,CR0357940,4003
2013-03-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-20,Closed with non-monetary relief,Yes,Yes,CR0358683,2717
2013-03-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-19,Closed with explanation,Yes,Yes,CR0358556,4056
2013-03-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-03-18,Closed with monetary relief,Yes,No,CR0356079,5247
2013-03-16,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2013-03-18,Closed with explanation,Yes,No,CR0357991,3026
2013-03-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-18,Closed with monetary relief,Yes,No,CR0357992,4219
2013-03-15,Credit card,,Payoff process,,,,N/A,Referral,2013-03-18,Closed with explanation,Yes,No,CR0355996,11149
2013-03-15,Credit card,,Billing disputes,,,,N/A,Referral,2013-03-18,Closed with explanation,Yes,No,CR0357180,4693
2013-03-15,Credit card,,Overlimit fee,,,,N/A,Referral,2013-03-15,Closed with explanation,Yes,Yes,CR0356893,2193
2013-03-15,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-18,Closed with explanation,Yes,No,CR0356851,230
2013-03-15,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2013-03-19,Closed with explanation,Yes,No,CR0356771,3891
2013-03-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-18,Closed with explanation,Yes,No,CR0354201,432
2013-03-14,Credit card,,Billing disputes,,,,N/A,Referral,2013-03-18,Closed with non-monetary relief,Yes,No,CR0355250,3736
2013-03-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-04-03,Closed with explanation,Yes,No,CR0354863,9641
2013-03-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-18,Closed with explanation,Yes,No,CR0354189,2141
2013-03-12,Credit card,,Overlimit fee,,,,N/A,Referral,2013-03-13,Closed with explanation,Yes,No,CR0350004,6196
2013-03-12,Credit card,,Payoff process,,,,N/A,Referral,2013-03-13,Closed with monetary relief,Yes,No,CR0350011,722
2013-03-12,Credit card,,Collection practices,,,,N/A,Referral,2013-03-13,Closed with explanation,Yes,No,CR0351116,2266
2013-03-12,Credit card,,Unsolicited issuance of credit card,,,,N/A,Referral,2013-04-19,Closed with non-monetary relief,Yes,No,CR0351512,3735
2013-03-12,Credit card,,Billing disputes,,,,N/A,Referral,2013-03-13,Closed with explanation,Yes,No,CR0351109,4423
2013-03-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-13,Closed with explanation,Yes,No,CR0351522,1327
2013-03-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-03-13,Closed with monetary relief,Yes,No,CR0351762,3789
2013-03-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-13,Closed with explanation,Yes,No,CR0351270,3275
2013-03-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-13,Closed with explanation,Yes,No,CR0351482,2589
2013-03-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-03-12,Closed with monetary relief,Yes,No,CR0350031,3745
2013-03-08,Credit card,,Payoff process,,,,N/A,Referral,2013-03-11,Closed with explanation,Yes,No,CR0347357,610
2013-03-08,Credit card,,Rewards,,,,N/A,Referral,2013-03-11,Closed with explanation,Yes,No,CR0347354,16
2013-03-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-03-11,Closed with non-monetary relief,Yes,No,CR0346072,2269
2013-03-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-03-11,Closed with monetary relief,Yes,Yes,CR0346934,10023
2013-03-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-11,Closed with monetary relief,Yes,No,CR0346097,1642
2013-03-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-12,Closed with monetary relief,Yes,No,CR0346949,2886
2013-03-07,Credit card,,APR or interest rate,,,,N/A,Referral,2013-03-08,Closed with explanation,Yes,Yes,CR0343442,2354
2013-03-07,Credit card,,Credit reporting,,,,N/A,Referral,2013-03-11,Closed with explanation,Yes,No,CR0345093,1543
2013-03-07,Credit card,,Payoff process,,,,N/A,Referral,2013-03-08,Closed with explanation,Yes,No,CR0345511,5362
2013-03-07,Credit card,,Credit reporting,,,,N/A,Referral,2013-03-08,Closed with explanation,Yes,Yes,CR0345416,337
2013-03-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-03-11,Closed with explanation,Yes,No,CR0345090,932
2013-03-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-08,Closed with monetary relief,Yes,No,CR0344221,1762
2013-03-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-11,Closed with explanation,Yes,No,CR0345069,1490
2013-03-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-11,Closed with explanation,Yes,No,CR0345068,3824
2013-03-06,Credit card,,Credit reporting,,,,N/A,Referral,2013-03-07,Closed with explanation,Yes,No,CR0342923,2252
2013-03-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-07,Closed with explanation,Yes,No,CR0342905,1453
2013-03-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-07,Closed with explanation,Yes,Yes,CR0343499,704
2013-03-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-07,Closed with monetary relief,Yes,No,CR0344697,3303
2013-03-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-03-07,Closed with monetary relief,Yes,No,CR0343798,2178
2013-03-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-03-07,Closed with explanation,Yes,No,CR0343523,344
2013-03-05,Credit card,,Credit reporting,,,,N/A,Referral,2013-03-06,Closed with explanation,Yes,No,CR0342148,141
2013-03-05,Credit card,,Delinquent account,,,,N/A,Referral,2013-03-06,Closed with explanation,Yes,No,CR0342560,4901
2013-03-05,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2013-03-06,Closed with non-monetary relief,Yes,Yes,CR0342543,5736
2013-03-04,Credit card,,Billing disputes,,,Older American,N/A,Referral,2013-03-04,Closed with explanation,Yes,No,CR0340082,368
2013-03-04,Credit card,,Payoff process,,,,N/A,Referral,2013-03-04,Closed with explanation,Yes,No,CR0340072,219
2013-03-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-05,Closed with monetary relief,Yes,No,CR0341394,2799
2013-03-04,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-03-05,Closed with explanation,Yes,No,CR0341383,1870
2013-03-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-05,Closed with explanation,Yes,No,CR0340763,1472
2013-03-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-26,Closed with explanation,Yes,No,CR0340095,4164
2013-03-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-05,Closed with explanation,Yes,No,CR0341376,3876
2013-03-04,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-03-04,Closed with explanation,Yes,No,CR0340075,1692
2013-03-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-05,Closed,Yes,Yes,CR0341364,11275
2013-03-04,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-05,Closed with monetary relief,Yes,No,CR0340753,358
2013-03-01,Credit card,,Billing statement,,,,N/A,Referral,2013-03-04,Closed with explanation,Yes,No,CR0338166,2520
2013-03-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-03-04,Closed with explanation,Yes,No,CR0339449,3899
2013-03-01,Credit card,,Credit reporting,,,,N/A,Referral,2013-03-04,Closed with non-monetary relief,Yes,No,CR0339500,2358
2013-03-01,Credit card,,Other fee,,,,N/A,Referral,2013-03-04,Closed with explanation,Yes,Yes,CR0338655,2949
2013-03-01,Credit card,,Billing disputes,,,,N/A,Referral,2013-03-04,Closed with explanation,Yes,No,CR0338561,447
2013-03-01,Credit card,,Billing disputes,,,,N/A,Referral,2013-03-04,Closed with explanation,Yes,No,CR0338175,3303
2013-03-01,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-03-04,Closed with non-monetary relief,Yes,No,CR0338169,8764
2013-03-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-04,Closed with explanation,Yes,No,CR0339880,3025
2013-03-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-04,Closed with non-monetary relief,Yes,No,CR0338701,2139
2013-03-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-03-01,Closed with explanation,Yes,No,CR0338573,3966
2013-02-27,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2013-03-01,Closed with explanation,Yes,No,CR0336851,3407
2013-02-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-03-01,Closed with explanation,Yes,No,CR0336856,1907
2013-02-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-03-01,Closed with explanation,Yes,No,CR0336869,4596
2013-02-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-03-01,Closed with monetary relief,Yes,No,CR0336831,1102
2013-02-26,Credit card,,Billing disputes,,,,N/A,Referral,2013-02-26,Closed with explanation,Yes,No,CR0332386,3009
2013-02-26,Credit card,,Collection debt dispute,,,,N/A,Referral,2013-02-28,Closed with monetary relief,Yes,Yes,CR0334234,3394
2013-02-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-02-27,Closed with explanation,Yes,No,CR0334577,3104
2013-02-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-02-26,Closed with explanation,Yes,No,CR0330715,1318
2013-02-25,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-02-26,Closed with explanation,Yes,No,CR0331523,11976
2013-02-25,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-02-26,Closed with explanation,Yes,No,CR0330726,3439
2013-02-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-02-26,Closed with monetary relief,Yes,No,CR0331551,946
2013-02-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-02-26,Closed with monetary relief,Yes,No,CR0329198,806
2013-02-22,Credit card,,Other fee,,,,N/A,Referral,2013-02-22,Closed with monetary relief,Yes,No,CR0326112,2938
2013-02-22,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2013-02-25,Closed with explanation,Yes,No,CR0327752,1402
2013-02-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-02-25,Closed with explanation,Yes,No,CR0327130,36
2013-02-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-02-25,Closed with monetary relief,Yes,No,CR0327113,1820
2013-02-21,Credit card,,Billing disputes,,,,N/A,Referral,2013-02-21,Closed with explanation,Yes,Yes,CR0326650,4745
2013-02-21,Credit card,,APR or interest rate,,,,N/A,Referral,2013-02-27,Closed with explanation,Yes,Yes,CR0325572,1831
2013-02-20,Credit card,,Billing disputes,,,,N/A,Referral,2013-02-21,Closed with explanation,Yes,No,CR0321436,4403
2013-02-20,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-02-21,Closed with explanation,Yes,No,CR0321423,688
2013-02-20,Credit card,,Other fee,,,,N/A,Referral,2013-02-21,Closed with explanation,Yes,No,CR0323004,4424
2013-02-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-02-22,Closed with monetary relief,Yes,No,CR0323033,2568
2013-02-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-02-21,Closed with monetary relief,Yes,No,CR0324262,429
2013-02-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-02-21,Closed with explanation,Yes,No,CR0323392,4734
2013-02-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-02-21,Closed with monetary relief,Yes,No,CR0324311,3675
2013-02-20,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2013-02-22,Closed with monetary relief,Yes,No,CR0323007,1757
2013-02-20,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2013-02-21,Closed with explanation,Yes,No,CR0323023,1541
2013-02-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-02-19,Closed with explanation,Yes,No,CR0320320,2379
2013-02-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-02-19,Closed with explanation,Yes,No,CR0318694,3144
2013-02-16,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-02-19,Closed with monetary relief,Yes,No,CR0318699,2019
2013-02-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-02-15,Closed with explanation,Yes,No,CR0318043,136
2013-02-15,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2013-02-19,Closed with explanation,Yes,No,CR0317884,4605
2013-02-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-02-15,Closed with non-monetary relief,Yes,No,CR0318019,992
2013-02-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-02-15,Closed with non-monetary relief,Yes,No,CR0318025,2364
2013-02-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-02-27,Closed with explanation,Yes,No,CR0318026,4802
2013-02-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-02-20,Closed with monetary relief,Yes,No,CR0319647,6256
2013-02-14,Credit card,,Late fee,,,,N/A,Referral,2013-02-15,Closed with explanation,Yes,No,CR0316923,1194
2013-02-14,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2013-02-15,Closed with explanation,Yes,No,CR0317110,4504
2013-02-14,Credit card,,Billing disputes,,,,N/A,Referral,2013-02-14,Closed with explanation,Yes,No,CR0316589,6644
2013-02-13,Credit card,,Billing disputes,,,,N/A,Referral,2013-02-13,Closed with monetary relief,Yes,No,CR0316119,3763
2013-02-13,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-02-13,Closed with explanation,Yes,No,CR0316132,3776
2013-02-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-02-14,Closed with explanation,Yes,Yes,CR0316137,4057
2013-02-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-02-14,Closed,Yes,No,CR0316728,11574
2013-02-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-02-15,Closed with monetary relief,Yes,No,CR0316407,4765
2013-02-12,Credit card,,Collection debt dispute,,,,N/A,Referral,2013-02-12,Closed with non-monetary relief,Yes,No,CR0314969,3426
2013-02-12,Credit card,,Collection debt dispute,,,,N/A,Referral,2013-02-12,Closed with explanation,Yes,Yes,CR0314246,3560
2013-02-12,Credit card,,Billing statement,,,,N/A,Referral,2013-02-13,Closed with monetary relief,Yes,No,CR0313867,5067
2013-02-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-02-12,Closed with monetary relief,Yes,No,CR0313885,2943
2013-02-12,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2013-02-13,Closed with monetary relief,Yes,No,CR0315193,1934
2013-02-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-02-14,Closed with monetary relief,Yes,No,CR0315205,2012
2013-02-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-02-13,Closed with explanation,No,,CR0315114,3340
2013-02-11,Credit card,,Billing disputes,,,,N/A,Referral,2013-02-12,Closed with explanation,Yes,No,CR0312802,3403
2013-02-11,Credit card,,Credit reporting,,,,N/A,Referral,2013-02-12,Closed with explanation,Yes,No,CR0313400,6844
2013-02-11,Credit card,,Collection practices,,,,N/A,Referral,2013-02-12,Closed with explanation,Yes,No,CR0313709,2850
2013-02-11,Credit card,,APR or interest rate,,,,N/A,Referral,2013-02-12,Closed with explanation,Yes,No,CR0314044,1395
2013-02-11,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2013-02-12,Closed with explanation,Yes,Yes,CR0313382,2802
2013-02-11,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2013-02-12,Closed with explanation,Yes,No,CR0312763,622
2013-02-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-02-13,Closed with monetary relief,Yes,No,CR0313770,13998
2013-02-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-02-13,Closed with explanation,Yes,No,CR0313723,2080
2013-02-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-02-12,Closed with explanation,Yes,No,CR0314101,3178
2013-02-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-02-12,Closed with explanation,Yes,No,CR0312769,4268
2013-02-09,Credit card,,Credit line increase/decrease,,,Older American,N/A,Referral,2013-03-18,Closed with non-monetary relief,Yes,No,CR0312436,1336
2013-02-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-02-12,Closed with explanation,Yes,No,CR0313136,5469
2013-02-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-02-12,Closed with explanation,Yes,No,CR0312356,618
2013-02-08,Credit card,,Billing disputes,,,,N/A,Referral,2013-02-11,Closed with explanation,Yes,Yes,CR0310167,2901
2013-02-08,Credit card,,Other fee,,,,N/A,Referral,2013-02-11,Closed with explanation,Yes,Yes,CR0311347,2987
2013-02-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-02-11,Closed with monetary relief,Yes,No,CR0309029,5326
2013-02-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-02-11,Closed with monetary relief,Yes,No,CR0311329,755
2013-02-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-02-13,Closed with explanation,Yes,No,CR0311340,2295
2013-02-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-02-11,Closed,Yes,No,CR0311335,4238
2013-02-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-02-11,Closed with explanation,Yes,No,CR0311336,3971
2013-02-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-02-11,Closed with explanation,Yes,No,CR0312417,1429
2013-02-07,Credit card,,Transaction issue,,,,N/A,Referral,2013-02-07,Closed with explanation,Yes,No,CR0307175,3137
2013-02-07,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2013-02-08,Closed with explanation,Yes,No,CR0307893,243
2013-02-07,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-02-08,Closed with non-monetary relief,Yes,No,CR0307902,110
2013-02-07,Credit card,,Credit reporting,,,,N/A,Referral,2013-02-08,Closed with explanation,Yes,No,CR0308744,2866
2013-02-07,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2013-02-08,Closed with non-monetary relief,Yes,No,CR0291952,173
2013-02-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-02-11,Closed with monetary relief,Yes,No,CR0307924,888
2013-02-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-02-08,Closed with explanation,Yes,No,CR0291642,9546
2013-02-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-02-11,Closed with explanation,Yes,No,CR0291631,6978
2013-02-06,Credit card,,APR or interest rate,,,,N/A,Referral,2013-02-07,Closed with explanation,Yes,No,CR0293371,4342
2013-02-06,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2013-02-07,Closed with explanation,Yes,No,CR0293331,2903
2013-02-05,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-02-07,Closed with explanation,Yes,No,CR0295228,8217
2013-02-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-02-07,Closed with monetary relief,Yes,No,CR0304836,3230
2013-02-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-02-07,Closed with non-monetary relief,Yes,No,CR0304631,5277
2013-02-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-02-07,Closed with monetary relief,Yes,No,CR0304798,1273
2013-02-04,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-02-06,Closed,Yes,No,CR0299609,3670
2013-02-01,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2013-02-04,Closed with explanation,Yes,No,CR0283759,2964
2013-02-01,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2013-02-05,Closed with explanation,Yes,No,CR0286686,1964
2013-02-01,Credit card,,Collection debt dispute,,,,N/A,Referral,2013-02-04,Closed with non-monetary relief,Yes,No,CR0281998,2051
2013-02-01,Credit card,,Billing statement,,,,N/A,Referral,2013-02-04,Closed with monetary relief,Yes,No,CR0284105,2585
2013-02-01,Credit card,,Billing disputes,,,,N/A,Referral,2013-02-06,Closed with explanation,Yes,No,CR0284117,951
2013-02-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-02-07,Closed with explanation,Yes,No,CR0288264,3510
2013-02-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-02-04,Closed with explanation,Yes,No,CR0291089,4724
2013-01-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-02-01,Closed with monetary relief,Yes,No,CR0275936,1667
2013-01-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-02-01,Closed with non-monetary relief,Yes,Yes,CR0282448,3928
2013-01-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-02-01,Closed with explanation,Yes,No,CR0282506,2590
2013-01-30,Credit card,,Billing disputes,,,,N/A,Referral,2013-02-01,Closed with non-monetary relief,Yes,No,CR0276006,5517
2013-01-30,Credit card,,Billing disputes,,,,N/A,Referral,2013-02-01,Closed with explanation,Yes,No,CR0276004,964
2013-01-30,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Referral,2013-01-30,Closed with non-monetary relief,Yes,Yes,CR0277634,4001
2013-01-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-02-01,Closed with explanation,Yes,No,CR0275997,5283
2013-01-29,Credit card,,Other,,,,N/A,Referral,2013-01-30,Closed with explanation,Yes,No,CR0275544,3384
2013-01-29,Credit card,,Collection debt dispute,,,,N/A,Referral,2013-02-06,Closed with explanation,Yes,No,CR0270394,2402
2013-01-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-30,Closed with explanation,Yes,No,CR0275533,5397
2013-01-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-30,Closed with explanation,Yes,No,CR0274528,387
2013-01-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-30,Closed with explanation,Yes,No,CR0274486,2921
2013-01-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-01-29,Closed with explanation,Yes,No,CR0270169,4763
2013-01-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-30,Closed with monetary relief,Yes,No,CR0270367,3554
2013-01-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-29,Closed with explanation,Yes,No,CR0264962,4100
2013-01-25,Credit card,,Billing disputes,,,,N/A,Referral,2013-01-29,Closed with non-monetary relief,Yes,No,CR0267040,9217
2013-01-25,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2013-01-25,Closed with explanation,Yes,No,CR0262405,4682
2013-01-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-01-25,Closed with monetary relief,Yes,No,CR0259659,3333
2013-01-25,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2013-01-25,Closed with explanation,Yes,No,CR0264310,4036
2013-01-25,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2013-01-25,Closed with explanation,Yes,No,CR0264311,3137
2013-01-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-28,Closed with monetary relief,Yes,No,CR0266609,3371
2013-01-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-29,Closed with explanation,Yes,No,CR0267206,4793
2013-01-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-01-29,Closed with explanation,Yes,No,CR0267099,3208
2013-01-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-25,Closed with explanation,Yes,No,CR0257688,4550
2013-01-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-24,Closed with explanation,Yes,No,CR0257668,3812
2013-01-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-25,Closed with explanation,Yes,No,CR0262071,12726
2013-01-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-01-23,Closed with explanation,Yes,No,CR0253867,4230
2013-01-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-24,Closed with monetary relief,Yes,No,CR0256150,4319
2013-01-22,Credit card,,Balance transfer,,,,N/A,Referral,2013-01-23,Closed with monetary relief,Yes,No,CR0251595,2348
2013-01-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-22,Closed with monetary relief,Yes,No,CR0248880,1498
2013-01-18,Credit card,,Billing disputes,,,Older American,N/A,Referral,2013-01-22,Closed with explanation,Yes,Yes,CR0243272,5056
2013-01-18,Credit card,,Billing disputes,,,,N/A,Referral,2013-01-22,Closed with explanation,Yes,No,CR0243121,1787
2013-01-18,Credit card,,Other,,,,N/A,Referral,2013-01-20,Closed with explanation,Yes,No,CR0244867,2941
2013-01-18,Credit card,,Late fee,,,,N/A,Referral,2013-01-22,Closed with explanation,Yes,No,CR0244886,275
2013-01-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-22,Closed with explanation,Yes,No,CR0243269,2422
2013-01-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-18,Closed with explanation,Yes,No,CR0244046,3460
2013-01-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-22,Closed with explanation,Yes,No,CR0243293,2582
2013-01-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-01-22,Closed with monetary relief,Yes,No,CR0244905,3488
2013-01-18,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2013-01-22,Closed with explanation,Yes,Yes,CR0248989,106
2013-01-17,Credit card,,Billing disputes,,,,N/A,Referral,2013-01-18,Closed with explanation,Yes,No,CR0245832,370
2013-01-17,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-18,Closed with monetary relief,Yes,No,CR0240289,657
2013-01-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-18,Closed with non-monetary relief,Yes,No,CR0244071,2713
2013-01-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-17,Closed with monetary relief,Yes,No,CR0245796,127
2013-01-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-18,Closed with explanation,Yes,No,CR0244201,1138
2013-01-16,Credit card,,Forbearance / Workout plans,,,,N/A,Referral,2013-01-17,Closed with explanation,Yes,No,CR0234816,1140
2013-01-16,Credit card,,Credit reporting,,,,N/A,Referral,2013-01-17,Closed with monetary relief,Yes,No,CR0234771,693
2013-01-16,Credit card,,Other,,,,N/A,Referral,2013-01-17,Closed with explanation,Yes,Yes,CR0234784,231
2013-01-16,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-01-17,Closed with explanation,Yes,No,CR0234781,7065
2013-01-16,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-01-17,Closed with explanation,Yes,No,CR0234794,1991
2013-01-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-18,Closed with non-monetary relief,Yes,No,CR0238242,765
2013-01-15,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2013-01-16,Closed with explanation,Yes,No,CR0232460,4338
2013-01-15,Credit card,,APR or interest rate,,,,N/A,Referral,2013-01-16,Closed with monetary relief,Yes,No,CR0233789,12358
2013-01-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-17,Closed with monetary relief,Yes,No,CR0232939,4307
2013-01-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-15,Closed with explanation,Yes,No,CR0231908,3119
2013-01-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-18,Closed with explanation,Yes,No,CR0232006,1175
2013-01-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-15,Closed with explanation,Yes,No,CR0231921,4275
2013-01-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-18,Closed with explanation,Yes,No,CR0233053,401
2013-01-14,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2013-01-16,Closed with non-monetary relief,Yes,No,CR0230790,62
2013-01-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-15,Closed with monetary relief,Yes,No,CR0230193,1620
2013-01-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-15,Closed with non-monetary relief,Yes,No,CR0230210,2633
2013-01-14,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-01-15,Closed with explanation,Yes,No,CR0230213,675
2013-01-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-01-16,Closed with monetary relief,Yes,No,CR0231789,4449
2013-01-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-15,Closed with explanation,Yes,Yes,CR0230209,1488
2013-01-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-02-04,Closed with explanation,Yes,No,CR0231745,1704
2013-01-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-15,Closed with non-monetary relief,Yes,No,CR0230230,1105
2013-01-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-01-15,Closed with explanation,Yes,No,CR0231840,5527
2013-01-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-15,Closed with explanation,Yes,No,CR0231844,4776
2013-01-12,Credit card,,APR or interest rate,,,,N/A,Referral,2013-01-14,Closed with non-monetary relief,Yes,No,CR0229486,1305
2013-01-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-01-14,Closed with explanation,Yes,No,CR0229490,4435
2013-01-11,Credit card,,Advertising and marketing,,,,N/A,Referral,2013-01-14,Closed with explanation,Yes,No,CR0228806,2518
2013-01-11,Credit card,,Collection practices,,,,N/A,Referral,2013-01-14,Closed with explanation,Yes,No,CR0227319,2978
2013-01-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-14,Closed with monetary relief,Yes,No,CR0228005,4622
2013-01-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-11,Closed with explanation,Yes,No,CR0227911,2401
2013-01-11,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-01-14,Closed with explanation,Yes,No,CR0228507,3008
2013-01-10,Credit card,,Unsolicited issuance of credit card,,,,N/A,Referral,2013-01-14,Closed with explanation,Yes,Yes,CR0227448,2970
2013-01-10,Credit card,,Billing disputes,,,,N/A,Referral,2013-01-11,Closed with explanation,Yes,No,CR0227753,7434
2013-01-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-11,Closed with explanation,Yes,No,CR0226630,4241
2013-01-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-14,Closed with non-monetary relief,Yes,No,CR0226072,4129
2013-01-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-16,Closed with explanation,Yes,No,CR0226626,4453
2013-01-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-01-14,Closed with monetary relief,Yes,Yes,CR0225940,3078
2013-01-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-10,Closed with explanation,Yes,No,CR0226237,1157
2013-01-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-10,Closed with explanation,Yes,No,CR0225966,5366
2013-01-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-10,Closed with explanation,Yes,No,CR0225223,3736
2013-01-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-11,Closed with monetary relief,Yes,No,CR0226277,4585
2013-01-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-14,Closed with explanation,Yes,Yes,CR0226249,2197
2013-01-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-10,Closed with monetary relief,Yes,No,CR0225211,1223
2013-01-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-01-14,Closed with explanation,Yes,No,CR0226092,1649
2013-01-08,Credit card,,Other,,,,N/A,Referral,2013-01-09,Closed with monetary relief,Yes,No,CR0225526,3548
2013-01-08,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2013-01-08,Closed with explanation,Yes,No,CR0224032,3119
2013-01-08,Credit card,,APR or interest rate,,,,N/A,Referral,2013-01-08,Closed with explanation,Yes,No,CR0224030,1384
2013-01-08,Credit card,,Billing disputes,,,,N/A,Referral,2013-01-09,Closed with explanation,Yes,No,CR0224927,4194
2013-01-08,Credit card,,Collection practices,,,,N/A,Referral,2013-01-09,Closed with explanation,Yes,No,CR0225469,4776
2013-01-08,Credit card,,Billing disputes,,,,N/A,Referral,2013-01-09,Closed with explanation,Yes,No,CR0225492,1743
2013-01-08,Credit card,,Other,,,,N/A,Referral,2013-01-09,Closed with explanation,Yes,Yes,CR0225471,1754
2013-01-08,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2013-01-09,Closed with monetary relief,Yes,No,CR0224893,1672
2013-01-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-09,Closed with explanation,Yes,No,CR0225440,4792
2013-01-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-01-09,Closed with explanation,Yes,No,CR0225508,9173
2013-01-08,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2013-01-09,Closed with explanation,Yes,No,CR0225452,627
2013-01-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-09,Closed with explanation,Yes,No,CR0225481,4686
2013-01-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-01-09,Closed with explanation,Yes,No,CR0225512,3311
2013-01-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-01-09,Closed with monetary relief,Yes,No,CR0224171,2704
2013-01-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-01-08,Closed with monetary relief,Yes,No,CR0224864,1809
2013-01-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-09,Closed with monetary relief,Yes,No,CR0224891,3858
2013-01-08,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Referral,2013-01-09,Closed with explanation,Yes,Yes,CR0225444,1866
2013-01-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-09,Closed with explanation,Yes,No,CR0225489,4530
2013-01-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-09,Closed with non-monetary relief,Yes,No,CR0225531,3492
2013-01-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-09,Closed with explanation,Yes,Yes,CR0225636,2803
2013-01-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-01-08,Closed with monetary relief,Yes,No,CR0224065,1525
2013-01-04,Credit card,,Billing disputes,,,,N/A,Referral,2013-01-07,Closed with explanation,Yes,No,CR0221863,4500
2013-01-04,Credit card,,Other fee,,,,N/A,Referral,2013-01-07,Closed with explanation,Yes,Yes,CR0221852,6485
2013-01-04,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-07,Closed with monetary relief,Yes,No,CR0223088,4456
2013-01-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-07,Closed with explanation,Yes,Yes,CR0223090,3228
2013-01-04,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2013-01-07,Closed with explanation,Yes,,CR0223107,4360
2013-01-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-07,Closed with explanation,Yes,No,CR0223085,2301
2013-01-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-07,Closed with non-monetary relief,Yes,No,CR0223096,1308
2013-01-03,Credit card,,Rewards,,,,N/A,Referral,2013-01-04,Closed with explanation,Yes,Yes,CR0222019,592
2013-01-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-04,Closed with explanation,Yes,No,CR0221957,13852
2013-01-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2013-01-07,Closed with explanation,Yes,No,CR0221450,2580
2013-01-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-04,Closed with explanation,Yes,No,CR0222001,4618
2013-01-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-04,Closed with monetary relief,Yes,No,CR0221999,3028
2013-01-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2013-01-04,Closed with monetary relief,Yes,No,CR0221963,2034
2013-01-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-04,Closed with monetary relief,Yes,No,CR0221985,8333
2013-01-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-01-02,Closed with monetary relief,Yes,No,CR0219456,1013
2013-01-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Servicemember,N/A,Referral,2013-01-03,Closed with explanation,Yes,No,CR0219469,5374
2012-12-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-01-02,Closed with explanation,Yes,No,CR0219220,1143
2012-12-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2013-01-02,Closed with monetary relief,Yes,No,CR0219259,218
2012-12-28,Credit card,,Billing disputes,,,,N/A,Referral,2012-12-31,Closed with explanation,Yes,No,CR0218686,3950
2012-12-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-12-31,Closed with explanation,Yes,Yes,CR0219042,5389
2012-12-28,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2013-01-02,Closed with explanation,Yes,No,CR0218562,2267
2012-12-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-31,Closed with explanation,Yes,No,CR0219057,183
2012-12-28,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-12-31,Closed with non-monetary relief,Yes,No,CR0219063,1262
2012-12-28,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-12-31,Closed with explanation,Yes,No,CR0221070,3650
2012-12-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-31,Closed with monetary relief,Yes,No,CR0218240,2218
2012-12-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2013-01-02,Closed with explanation,Yes,No,CR0218843,1645
2012-12-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-29,Closed with monetary relief,Yes,Yes,CR0217794,33
2012-12-26,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-12-29,Closed with explanation,Yes,Yes,CR0217463,3793
2012-12-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-12-29,Closed with explanation,Yes,No,CR0217774,803
2012-12-26,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2012-12-28,Closed with explanation,No,Yes,CR0217420,640
2012-12-25,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-12-28,Closed with non-monetary relief,Yes,Yes,CR0217280,3322
2012-12-25,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-12-27,Closed with explanation,Yes,Yes,CR0221020,7672
2012-12-25,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-12-27,Closed with explanation,Yes,No,CR0217166,3347
2012-12-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-28,Closed with monetary relief,No,Yes,CR0217189,394
2012-12-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-28,Closed with explanation,No,No,CR0217711,5132
2012-12-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-27,Closed with monetary relief,Yes,No,CR0217160,643
2012-12-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-27,Closed with explanation,Yes,No,CR0217177,8661
2012-12-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-28,Closed with explanation,Yes,No,CR0217183,1982
2012-12-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-28,Closed with explanation,No,No,CR0217185,3501
2012-12-25,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-12-28,Closed with explanation,No,No,CR0217298,10912
2012-12-24,Credit card,,APR or interest rate,,,,N/A,Referral,2012-12-28,Closed with non-monetary relief,No,Yes,CR0216882,1155
2012-12-24,Credit card,,Other,,,,N/A,Referral,2012-12-28,Closed with explanation,No,Yes,CR0216884,1154
2012-12-24,Credit card,,Billing disputes,,,,N/A,Referral,2012-12-27,Closed with explanation,Yes,No,CR0216988,3379
2012-12-24,Credit card,,Other,,,,N/A,Referral,2012-12-27,Closed with explanation,Yes,No,CR0217334,1993
2012-12-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-12-27,Closed with monetary relief,Yes,No,CR0216997,700
2012-12-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-28,Closed with monetary relief,Yes,No,CR0217020,5236
2012-12-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-28,Closed with monetary relief,No,Yes,CR0217009,2716
2012-12-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-27,Closed with explanation,Yes,No,CR0216996,5409
2012-12-22,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-12-27,Closed with explanation,Yes,Yes,CR0216702,3479
2012-12-22,Credit card,,Billing disputes,,,,N/A,Referral,2012-12-27,Closed with explanation,Yes,No,CR0216697,2587
2012-12-21,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-12-26,Closed with non-monetary relief,Yes,No,CR0215239,12943
2012-12-21,Credit card,,Other,,,,N/A,Referral,2012-12-26,Closed with explanation,Yes,No,CR0215250,2005
2012-12-21,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-12-26,Closed with non-monetary relief,Yes,No,CR0215260,2968
2012-12-21,Credit card,,Other fee,,,,N/A,Referral,2012-12-26,Closed with explanation,Yes,No,CR0215349,3106
2012-12-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-26,Closed with explanation,Yes,No,CR0216439,1586
2012-12-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-26,Closed with explanation,Yes,No,CR0216467,4481
2012-12-21,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2012-12-26,Closed with explanation,Yes,Yes,CR0215228,3640
2012-12-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-26,Closed with explanation,Yes,No,CR0215335,1315
2012-12-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-26,Closed with explanation,Yes,No,CR0215247,4596
2012-12-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-28,Closed with monetary relief,No,No,CR0217059,2964
2012-12-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-26,Closed with explanation,Yes,No,CR0217117,2040
2012-12-21,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-12-27,Closed with explanation,Yes,No,CR0215331,4307
2012-12-20,Credit card,,Other fee,,,,N/A,Referral,2012-12-21,Closed with explanation,Yes,No,CR0214195,5013
2012-12-20,Credit card,,APR or interest rate,,,,N/A,Referral,2012-12-26,Closed with explanation,Yes,No,CR0214964,13998
2012-12-20,Credit card,,Billing statement,,,,N/A,Referral,2012-12-26,Closed with explanation,Yes,No,CR0214986,4075
2012-12-20,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-12-26,Closed with monetary relief,Yes,No,CR0214997,2556
2012-12-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-12-21,Closed with explanation,Yes,No,CR0214190,3904
2012-12-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-26,Closed with monetary relief,Yes,Yes,CR0214894,2265
2012-12-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-12-26,Closed with monetary relief,Yes,No,CR0214348,4152
2012-12-20,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Referral,2012-12-26,Closed with explanation,Yes,No,CR0214975,1095
2012-12-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-26,Closed with explanation,Yes,Yes,CR0214995,11714
2012-12-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-20,Closed with explanation,Yes,No,CR0214178,2619
2012-12-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-01-08,Closed with explanation,Yes,Yes,CR0213144,2829
2012-12-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-26,Closed with explanation,Yes,Yes,CR0212930,6039
2012-12-19,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-12-20,Closed with explanation,Yes,No,CR0213267,4718
2012-12-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-21,Closed with monetary relief,Yes,No,CR0213871,144
2012-12-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-12-20,Closed with monetary relief,Yes,No,CR0213166,1699
2012-12-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-20,Closed with monetary relief,Yes,No,CR0213269,1454
2012-12-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-20,Closed with explanation,Yes,No,CR0213590,10303
2012-12-19,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-19,Closed with monetary relief,Yes,No,CR0213142,398
2012-12-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-21,Closed with explanation,Yes,No,CR0213260,3487
2012-12-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-20,Closed with explanation,Yes,No,CR0213287,2582
2012-12-18,Credit card,,Billing disputes,,,,N/A,Referral,2012-12-19,Closed with explanation,Yes,No,CR0211594,8610
2012-12-18,Credit card,,Other,,,,N/A,Referral,2012-12-19,Closed with explanation,Yes,No,CR0209109,6015
2012-12-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-19,Closed with explanation,Yes,No,CR0211602,4060
2012-12-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-19,Closed with explanation,No,,CR0211613,1690
2012-12-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-12-14,Closed with explanation,Yes,No,CR0209788,4617
2012-12-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-14,Closed with explanation,No,No,CR0208868,834
2012-12-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-14,Closed with non-monetary relief,Yes,No,CR0210255,282
2012-12-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-14,Closed with monetary relief,No,No,CR0210213,10818
2012-12-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-13,Closed with explanation,Yes,No,CR0207433,2911
2012-12-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-13,Closed with explanation,Yes,Yes,CR0207432,435
2012-12-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-13,Closed with explanation,Yes,No,CR0207436,6967
2012-12-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-12-14,Closed with monetary relief,No,No,CR0210214,3794
2012-12-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-14,Closed with monetary relief,No,No,CR0210229,1424
2012-12-11,Credit card,,Billing disputes,,,,N/A,Referral,2012-12-12,Closed with explanation,Yes,No,CR0207748,7632
2012-12-11,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2012-12-12,Closed with explanation,Yes,No,CR0207412,2190
2012-12-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-12-12,Closed with non-monetary relief,Yes,No,CR0207406,2503
2012-12-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-12,Closed with explanation,Yes,No,CR0208020,1281
2012-12-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-11,Closed with explanation,Yes,Yes,CR0206718,2511
2012-12-07,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-12-10,Closed with non-monetary relief,Yes,No,CR0206209,2498
2012-12-07,Credit card,,Transaction issue,,,,N/A,Referral,2012-12-10,Closed with explanation,Yes,No,CR0206190,3248
2012-12-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-10,Closed with explanation,Yes,Yes,CR0206200,3466
2012-12-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-10,Closed with explanation,Yes,No,CR0206211,5201
2012-12-06,Credit card,,Delinquent account,,,,N/A,Referral,2012-12-07,Closed with explanation,Yes,No,CR0205241,4490
2012-12-06,Credit card,,Credit reporting,,,,N/A,Referral,2012-12-07,Closed with non-monetary relief,Yes,No,CR0204970,3228
2012-12-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-07,Closed with non-monetary relief,Yes,No,CR0204769,1554
2012-12-05,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-12-05,Closed with explanation,Yes,No,CR0203424,4752
2012-12-05,Credit card,,Sale of account,,,,N/A,Referral,2012-12-06,Closed with explanation,Yes,No,CR0204135,3738
2012-12-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-12-06,Closed with monetary relief,Yes,No,CR0204356,255
2012-12-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-06,Closed with explanation,Yes,Yes,CR0204390,4092
2012-12-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-05,Closed with explanation,Yes,No,CR0204054,4730
2012-12-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-12-06,Closed with explanation,Yes,No,CR0204353,2682
2012-12-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-06,Closed with explanation,Yes,No,CR0204362,1412
2012-12-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-06,Closed with monetary relief,Yes,No,CR0204294,1194
2012-12-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-12-05,Closed with monetary relief,Yes,No,CR0203438,178
2012-12-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-04,Closed with explanation,Yes,No,CR0202991,2805
2012-12-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-04,Closed with explanation,Yes,Yes,CR0202907,2947
2012-12-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-04,Closed with monetary relief,Yes,No,CR0202503,4230
2012-11-30,Credit card,,APR or interest rate,,,,N/A,Referral,2012-12-03,Closed with explanation,Yes,No,CR0200156,4763
2012-11-30,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-12-03,Closed with explanation,Yes,No,CR0201735,1215
2012-11-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-03,Closed with monetary relief,Yes,No,CR0200086,1950
2012-11-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-03,Closed with explanation,Yes,No,CR0200106,3328
2012-11-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-03,Closed with monetary relief,Yes,No,CR0200125,659
2012-11-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-03,Closed with explanation,Yes,No,CR0201714,2027
2012-11-28,Credit card,,Other,,,,N/A,Referral,2012-11-29,Closed with explanation,Yes,No,CR0199428,4353
2012-11-28,Credit card,,Billing statement,,,,N/A,Referral,2012-11-29,Closed with explanation,Yes,No,CR0199844,5275
2012-11-28,Credit card,,Billing disputes,,,,N/A,Referral,2012-11-29,Closed with explanation,Yes,Yes,CR0199100,4262
2012-11-28,Credit card,,Rewards,,,,N/A,Referral,2012-12-13,Closed with explanation,Yes,No,CR0199126,4427
2012-11-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-14,Closed with explanation,No,No,CR0199108,2549
2012-11-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-14,Closed with explanation,No,No,CR0199154,2553
2012-11-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-12-14,Closed with explanation,No,Yes,CR0199140,3660
2012-11-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-29,Closed with monetary relief,Yes,No,CR0199812,1582
2012-11-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-12-13,Closed with explanation,Yes,No,CR0199142,2712
2012-11-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-29,Closed with monetary relief,Yes,No,CR0199832,203
2012-11-27,Credit card,,APR or interest rate,,,,N/A,Referral,2012-11-28,Closed with monetary relief,Yes,Yes,CR0198410,3687
2012-11-27,Credit card,,APR or interest rate,,,,N/A,Referral,2012-12-03,Closed with explanation,Yes,No,CR0197695,3988
2012-11-27,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-11-28,Closed with explanation,No,,CR0198389,2063
2012-11-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-28,Closed with monetary relief,Yes,No,CR0197828,3570
2012-11-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-28,Closed with explanation,Yes,Yes,CR0198120,4522
2012-11-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-29,Closed with explanation,Yes,No,CR0198192,952
2012-11-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-28,Closed with explanation,Yes,Yes,CR0198390,1888
2012-11-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-28,Closed with monetary relief,Yes,No,CR0197125,11873
2012-11-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-11-27,Closed with monetary relief,Yes,No,CR0197147,2969
2012-11-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-27,Closed with explanation,Yes,No,CR0197154,3673
2012-11-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-28,Closed with explanation,Yes,No,CR0198382,1488
2012-11-26,Credit card,,Transaction issue,,,,N/A,Referral,2012-11-29,Closed with explanation,Yes,No,CR0197362,1995
2012-11-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-29,Closed with explanation,Yes,No,CR0196769,3684
2012-11-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-26,Closed with explanation,Yes,No,CR0196763,5358
2012-11-26,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-11-29,Closed with explanation,Yes,No,CR0196777,4607
2012-11-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-27,Closed with monetary relief,Yes,No,CR0196767,7011
2012-11-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-26,Closed with explanation,Yes,Yes,CR0196812,12303
2012-11-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-27,Closed with explanation,Yes,No,CR0196465,3380
2012-11-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-23,Closed with explanation,Yes,No,CR0196514,4053
2012-11-22,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-11-26,Closed with monetary relief,Yes,No,CR0195725,406
2012-11-22,Credit card,,Billing disputes,,,,N/A,Referral,2012-11-26,Closed with non-monetary relief,Yes,No,CR0195722,3267
2012-11-22,Credit card,,APR or interest rate,,,,N/A,Referral,2012-11-26,Closed with explanation,Yes,No,CR0195736,3975
2012-11-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-11-26,Closed with monetary relief,Yes,No,CR0195719,1692
2012-11-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-23,Closed with monetary relief,Yes,No,CR0195729,4492
2012-11-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-11-26,Closed with monetary relief,Yes,No,CR0195727,4400
2012-11-21,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-11-26,Closed with monetary relief,Yes,Yes,CR0195258,3481
2012-11-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-11-28,Closed with explanation,Yes,No,CR0195268,250
2012-11-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-23,Closed with explanation,Yes,Yes,CR0194645,4608
2012-11-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-26,Closed with explanation,Yes,No,CR0195510,2800
2012-11-20,Credit card,,Rewards,,,,N/A,Referral,2012-11-21,Closed,Yes,Yes,CR0194966,562
2012-11-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-11-26,Closed with explanation,Yes,No,CR0194962,4551
2012-11-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-26,Closed with monetary relief,Yes,No,CR0194992,4223
2012-11-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-11-23,Closed with explanation,No,,CR0194947,2558
2012-11-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-21,Closed with monetary relief,Yes,No,CR0194084,10528
2012-11-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-23,Closed with explanation,Yes,No,CR0194608,3068
2012-11-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-11-26,Closed with explanation,Yes,No,CR0194621,1072
2012-11-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-23,Closed with non-monetary relief,Yes,No,CR0195521,1132
2012-11-19,Credit card,,Other fee,,,,N/A,Referral,2012-11-21,Closed with non-monetary relief,Yes,No,CR0193505,3844
2012-11-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-26,Closed with explanation,Yes,No,CR0193501,10492
2012-11-19,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-11-20,Closed with monetary relief,Yes,No,CR0193782,4118
2012-11-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-21,Closed with non-monetary relief,Yes,No,CR0193785,11804
2012-11-17,Credit card,,Other fee,,,,N/A,Referral,2012-11-20,Closed with non-monetary relief,Yes,No,CR0192649,3712
2012-11-16,Credit card,,APR or interest rate,,,,N/A,Referral,2012-11-19,Closed with monetary relief,Yes,No,CR0192284,4696
2012-11-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-19,Closed with explanation,Yes,No,CR0191494,3643
2012-11-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-20,Closed with explanation,Yes,No,CR0192274,5213
2012-11-15,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-11-19,Closed with monetary relief,Yes,No,CR0190953,10198
2012-11-15,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-11-16,Closed with explanation,Yes,No,CR0191717,6191
2012-11-15,Credit card,,Late fee,,,,N/A,Referral,2012-11-20,Closed with explanation,Yes,No,CR0191107,4522
2012-11-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-11-16,Closed with non-monetary relief,Yes,No,CR0192909,166
2012-11-15,Credit card,,Transaction issue,,,,N/A,Referral,2012-11-20,Closed with non-monetary relief,Yes,No,CR0190964,8096
2012-11-15,Credit card,,APR or interest rate,,,,N/A,Referral,2012-11-19,Closed with monetary relief,Yes,No,CR0190996,711
2012-11-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-20,Closed with non-monetary relief,Yes,No,CR0190962,4709
2012-11-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-16,Closed with explanation,No,,CR0192093,2814
2012-11-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-20,Closed with explanation,Yes,No,CR0190960,1587
2012-11-15,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-11-20,Closed with monetary relief,Yes,Yes,CR0191020,1193
2012-11-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-19,Closed with monetary relief,Yes,No,CR0192331,2997
2012-11-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-16,Closed with explanation,Yes,No,CR0191029,1220
2012-11-14,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-11-15,Closed with monetary relief,Yes,No,CR0191023,10492
2012-11-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-15,Closed with non-monetary relief,Yes,No,CR0190006,2952
2012-11-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-11-13,Closed with explanation,Yes,No,CR0189068,3657
2012-11-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-11-13,Closed with explanation,Yes,No,CR0189019,2076
2012-11-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-13,Closed with explanation,Yes,No,CR0188989,4769
2012-11-09,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-11-13,Closed with non-monetary relief,Yes,No,CR0189007,2588
2012-11-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-09,Closed with explanation,Yes,No,CR0187633,4029
2012-11-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-09,Closed with explanation,Yes,No,CR0187637,3158
2012-11-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-09,Closed with explanation,Yes,No,CR0187638,697
2012-11-07,Credit card,,Other,,,,N/A,Referral,2012-11-08,Closed with explanation,Yes,No,CR0185806,3572
2012-11-07,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-11-08,Closed with explanation,Yes,Yes,CR0186220,1600
2012-11-07,Credit card,,Credit reporting,,,,N/A,Referral,2012-11-08,Closed with explanation,Yes,No,CR0185749,2986
2012-11-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-08,Closed with explanation,Yes,No,CR0185714,1339
2012-11-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-08,Closed with non-monetary relief,Yes,No,CR0185824,1006
2012-11-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-08,Closed with explanation,Yes,No,CR0186183,2869
2012-11-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-08,Closed with explanation,Yes,No,CR0186177,356
2012-11-06,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-11-06,Closed with explanation,Yes,No,CR0185468,372
2012-11-06,Credit card,,Billing disputes,,,,N/A,Referral,2012-11-06,Closed with explanation,Yes,No,CR0185351,174
2012-11-06,Credit card,,Billing disputes,,,,N/A,Referral,2012-11-06,Closed with explanation,Yes,No,CR0185350,4780
2012-11-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-06,Closed with explanation,Yes,No,CR0185358,397
2012-11-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-11-07,Closed with explanation,Yes,Yes,CR0185653,2107
2012-11-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-07,Closed with explanation,Yes,No,CR0185678,1143
2012-11-05,Credit card,,Payoff process,,,,N/A,Referral,2012-11-06,Closed with explanation,Yes,No,CR0184807,658
2012-11-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-09,Closed with explanation,Yes,No,CR0184826,1407
2012-11-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-06,Closed with explanation,Yes,Yes,CR0184830,3308
2012-11-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-07,Closed with monetary relief,Yes,No,CR0185029,7102
2012-11-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-09,Closed with explanation,Yes,No,CR0185010,1525
2012-11-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-07,Closed with monetary relief,Yes,No,CR0184833,4723
2012-11-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-02,Closed with monetary relief,Yes,No,CR0184108,4007
2012-11-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-06,Closed with explanation,Yes,No,CR0184353,1092
2012-11-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-06,Closed with explanation,No,,CR0184344,3847
2012-11-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-05,Closed with non-monetary relief,Yes,No,CR0184341,1597
2012-11-01,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-11-02,Closed with non-monetary relief,Yes,No,CR0183107,3433
2012-11-01,Credit card,,Credit reporting,,,,N/A,Referral,2012-11-07,Closed with explanation,Yes,No,CR0183113,8287
2012-11-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-02,Closed with explanation,Yes,No,CR0183392,2917
2012-11-01,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-11-02,Closed with explanation,Yes,Yes,CR0183394,2527
2012-11-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-30,Closed with explanation,Yes,No,CR0181969,12468
2012-11-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-02,Closed with explanation,Yes,No,CR0183425,279
2012-11-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-11-01,Closed with monetary relief,Yes,No,CR0181964,350
2012-11-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-11-02,Closed with monetary relief,Yes,No,CR0183299,3296
2012-10-31,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Referral,2012-11-02,Closed with non-monetary relief,Yes,No,CR0182546,4483
2012-10-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-06,Closed with non-monetary relief,Yes,No,CR0182917,1194
2012-10-31,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-11-01,Closed with explanation,Yes,No,CR0182536,2108
2012-10-31,Bank account or service,(CD) Certificate of deposit,Problems caused by my funds being low,,,,N/A,Referral,2012-11-02,Closed with explanation,Yes,No,CR0182132,1750
2012-10-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-11-02,Closed with monetary relief,Yes,No,CR0182444,1134
2012-10-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-11-01,Closed with monetary relief,Yes,No,CR0182139,10199
2012-10-30,Credit card,,Application processing delay,,,,N/A,Referral,2012-10-31,Closed,Yes,No,CR0181445,3327
2012-10-30,Credit card,,Balance transfer fee,,,,N/A,Referral,2012-11-02,Closed with explanation,Yes,No,CR0181435,4974
2012-10-30,Credit card,,Other fee,,,,N/A,Referral,2012-11-01,Closed with explanation,Yes,No,CR0181494,3580
2012-10-30,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-11-01,Closed with non-monetary relief,Yes,No,CR0181437,1010
2012-10-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-11-02,Closed with explanation,Yes,No,CR0181463,2554
2012-10-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-02,Closed with explanation,Yes,No,CR0181453,3394
2012-10-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-31,Closed with monetary relief,Yes,No,CR0181553,4355
2012-10-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-11-02,Closed with non-monetary relief,Yes,No,CR0181477,9915
2012-10-29,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-10-31,Closed with explanation,Yes,No,CR0179563,6571
2012-10-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-31,Closed with monetary relief,Yes,No,CR0179590,4334
2012-10-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-31,Closed with monetary relief,Yes,No,CR0179478,8737
2012-10-26,Credit card,,Late fee,,,,N/A,Referral,2012-10-26,Closed with explanation,Yes,Yes,CR0179819,181
2012-10-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-30,Closed with explanation,Yes,Yes,CR0180869,1478
2012-10-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-31,Closed with explanation,Yes,Yes,CR0178985,3926
2012-10-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-10-30,Closed with monetary relief,Yes,No,CR0178574,146
2012-10-26,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-31,Closed with explanation,Yes,No,CR0178961,1032
2012-10-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-29,Closed with explanation,Yes,No,CR0179124,2451
2012-10-25,Credit card,,Unsolicited issuance of credit card,,,,N/A,Referral,2012-10-26,Closed with explanation,Yes,No,CR0178507,3721
2012-10-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-26,Closed with monetary relief,Yes,No,CR0178346,13262
2012-10-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-26,Closed with monetary relief,Yes,No,CR0178606,4067
2012-10-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-10-26,Closed with explanation,Yes,Yes,CR0180766,414
2012-10-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-30,Closed with monetary relief,Yes,No,CR0178509,3905
2012-10-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-26,Closed with explanation,Yes,No,CR0178513,3841
2012-10-24,Credit card,,Rewards,,,,N/A,Referral,2012-10-26,Closed with explanation,Yes,No,CR0177673,13098
2012-10-24,Credit card,,Billing disputes,,,,N/A,Referral,2012-10-26,Closed with explanation,Yes,No,CR0177999,7843
2012-10-24,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-10-26,Closed with explanation,Yes,No,CR0177675,4221
2012-10-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-26,Closed with explanation,Yes,No,CR0177969,1199
2012-10-24,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2012-10-25,Closed with explanation,No,,CR0177667,3087
2012-10-23,Credit card,,Billing disputes,,,,N/A,Referral,2012-11-07,Closed with explanation,Yes,No,CR0176676,2343
2012-10-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-24,Closed with non-monetary relief,Yes,No,CR0176668,996
2012-10-23,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-11-08,Closed with explanation,Yes,No,CR0177078,3866
2012-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-24,Closed with explanation,Yes,Yes,CR0177162,3796
2012-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-24,Closed with non-monetary relief,Yes,No,CR0176550,533
2012-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-24,Closed with explanation,Yes,No,CR0177143,1360
2012-10-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-25,Closed with monetary relief,Yes,No,CR0177495,1237
2012-10-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-24,Closed with explanation,Yes,No,CR0177136,2266
2012-10-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-24,Closed with explanation,Yes,No,CR0177077,4429
2012-10-23,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2012-10-24,Closed with explanation,Yes,No,CR0177055,4610
2012-10-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-25,Closed with explanation,Yes,Yes,CR0177482,841
2012-10-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-23,Closed with explanation,Yes,No,CR0175730,2379
2012-10-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-23,Closed with monetary relief,Yes,No,CR0175703,3094
2012-10-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-23,Closed with explanation,Yes,No,CR0176134,3096
2012-10-19,Credit card,,Credit reporting,,,,N/A,Referral,2012-10-22,Closed with explanation,Yes,No,CR0174981,4015
2012-10-19,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-22,Closed with monetary relief,Yes,No,CR0175240,5223
2012-10-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-19,Closed with explanation,Yes,No,CR0174343,4435
2012-10-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-22,Closed with monetary relief,Yes,No,CR0174977,1181
2012-10-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-22,Closed with explanation,Yes,No,CR0174968,2259
2012-10-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-19,Closed with explanation,Yes,No,CR0174775,953
2012-10-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-23,Closed with explanation,Yes,No,CR0174776,27
2012-10-18,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-10-19,Closed with non-monetary relief,Yes,No,CR0173918,587
2012-10-18,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-10-22,Closed with explanation,Yes,No,CR0174585,2288
2012-10-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-18,Closed with explanation,Yes,No,CR0173785,8726
2012-10-18,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-19,Closed with monetary relief,Yes,Yes,CR0173923,674
2012-10-17,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-10-19,Closed with explanation,Yes,No,CR0172989,4781
2012-10-17,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-10-18,Closed with explanation,Yes,Yes,CR0172985,2278
2012-10-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-18,Closed with explanation,Yes,No,CR0173329,5246
2012-10-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-18,Closed with monetary relief,Yes,No,CR0173229,425
2012-10-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-19,Closed with explanation,Yes,No,CR0173734,2325
2012-10-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-18,Closed with monetary relief,Yes,No,CR0173404,1009
2012-10-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-19,Closed with explanation,Yes,No,CR0173729,7914
2012-10-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-10-18,Closed with explanation,Yes,Yes,CR0172201,3073
2012-10-16,Credit card,,Collection practices,,,,N/A,Referral,2012-10-22,Closed with explanation,Yes,No,CR0172717,1297
2012-10-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-17,Closed with explanation,Yes,No,CR0171892,3175
2012-10-16,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2012-10-17,Closed with explanation,Yes,No,CR0171887,59
2012-10-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-18,Closed with explanation,Yes,No,CR0172182,291
2012-10-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-17,Closed with monetary relief,Yes,No,CR0172723,2508
2012-10-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-18,Closed with explanation,Yes,No,CR0171869,7863
2012-10-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-17,Closed with explanation,Yes,No,CR0171870,413
2012-10-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-18,Closed with explanation,Yes,Yes,CR0172191,2435
2012-10-15,Credit card,,Privacy,,,,N/A,Referral,2012-10-16,Closed with explanation,Yes,No,CR0171469,1488
2012-10-15,Credit card,,Billing disputes,,,,N/A,Referral,2012-10-17,Closed with monetary relief,Yes,No,CR0171460,5699
2012-10-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-10-17,Closed with explanation,Yes,No,CR0171453,7411
2012-10-15,Credit card,,Cash advance,,,,N/A,Referral,2012-10-16,Closed with explanation,Yes,No,CR0171456,1503
2012-10-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-17,Closed with monetary relief,Yes,Yes,CR0170085,4740
2012-10-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-10-17,Closed with explanation,Yes,No,CR0171747,955
2012-10-12,Credit card,,Billing disputes,,,,N/A,Referral,2012-10-15,Closed with explanation,Yes,Yes,CR0170782,1073
2012-10-12,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-10-16,Closed with monetary relief,Yes,No,CR0171338,2463
2012-10-12,Credit card,,Payoff process,,,,N/A,Referral,2012-10-15,Closed with explanation,Yes,No,CR0169964,5215
2012-10-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-16,Closed with non-monetary relief,Yes,No,CR0170115,1388
2012-10-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-16,Closed with monetary relief,Yes,No,CR0171828,870
2012-10-12,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2012-10-15,Closed with explanation,Yes,No,CR0169853,3909
2012-10-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-17,Closed with explanation,Yes,Yes,CR0170774,5137
2012-10-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-15,Closed with monetary relief,Yes,No,CR0171330,1983
2012-10-11,Credit card,,Billing statement,,,,N/A,Referral,2012-10-11,Closed with monetary relief,Yes,No,CR0169615,5860
2012-10-11,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-10-12,Closed with explanation,Yes,Yes,CR0169134,1396
2012-10-11,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-10-15,Closed with explanation,Yes,Yes,CR0169912,3840
2012-10-11,Credit card,,Advertising and marketing,,,,N/A,Referral,2012-10-15,Closed with explanation,Yes,No,CR0169633,13480
2012-10-11,Credit card,,Collection practices,,,,N/A,Referral,2012-10-12,Closed with explanation,Yes,No,CR0169637,172
2012-10-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-15,Closed with monetary relief,Yes,No,CR0169632,7521
2012-10-11,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-10-12,Closed with explanation,Yes,No,CR0169631,4403
2012-10-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-15,Closed with explanation,Yes,No,CR0169918,7286
2012-10-10,Credit card,,APR or interest rate,,,,N/A,Referral,2012-10-11,Closed,Yes,No,CR0168771,790
2012-10-10,Credit card,,Billing disputes,,,,N/A,Referral,2012-10-11,Closed with explanation,Yes,No,CR0168642,229
2012-10-10,Credit card,,Billing disputes,,,,N/A,Referral,2012-10-11,Closed with explanation,Yes,No,CR0168955,1023
2012-10-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-12-18,Closed with explanation,Yes,No,CR0168697,3023
2012-10-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-10-11,Closed with explanation,Yes,No,CR0168768,3245
2012-10-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-10-12,Closed with explanation,Yes,No,CR0169086,275
2012-10-09,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-10-17,Closed with non-monetary relief,Yes,No,CR0168087,4213
2012-10-09,Credit card,,Billing disputes,,,,N/A,Referral,2012-10-11,Closed with explanation,Yes,No,CR0168110,4641
2012-10-09,Credit card,,Other fee,,,,N/A,Referral,2012-10-11,Closed with explanation,Yes,Yes,CR0168098,3498
2012-10-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-15,Closed with monetary relief,Yes,No,CR0167417,1100
2012-10-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-11,Closed,Yes,No,CR0168233,505
2012-10-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-11,Closed with monetary relief,Yes,No,CR0166320,9930
2012-10-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-10-09,Closed with explanation,Yes,No,CR0167291,3708
2012-10-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-10,Closed with monetary relief,Yes,No,CR0166303,2344
2012-10-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-10-11,Closed with explanation,Yes,No,CR0166313,469
2012-10-05,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-10-10,Closed with non-monetary relief,Yes,No,CR0166787,3586
2012-10-05,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-10-09,Closed,Yes,No,CR0166786,4769
2012-10-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-09,Closed with monetary relief,Yes,No,CR0166990,206
2012-10-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-10,Closed with explanation,Yes,No,CR0167003,4478
2012-10-04,Credit card,,Billing disputes,,,,N/A,Referral,2012-10-05,Closed with explanation,Yes,No,CR0165843,2259
2012-10-04,Credit card,,Other,,,,N/A,Referral,2012-10-05,Closed with explanation,No,Yes,CR0165848,2222
2012-10-04,Credit card,,Forbearance / Workout plans,,,,N/A,Referral,2012-10-09,Closed with non-monetary relief,Yes,Yes,CR0166067,11794
2012-10-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-05,Closed with monetary relief,Yes,Yes,CR0165849,148
2012-10-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-10-09,Closed with monetary relief,Yes,No,CR0165561,10543
2012-10-03,Credit card,,Other fee,,,,N/A,Referral,2012-10-05,Closed with explanation,Yes,No,CR0165075,666
2012-10-03,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-10-05,Closed with explanation,No,No,CR0165080,9997
2012-10-03,Credit card,,Payoff process,,,,N/A,Referral,2012-10-05,Closed with explanation,Yes,No,CR0165097,1555
2012-10-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-05,Closed with monetary relief,Yes,No,CR0163433,797
2012-10-03,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2012-10-05,Closed,No,,CR0161726,3366
2012-10-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-10-05,Closed with explanation,Yes,Yes,CR0161725,823
2012-10-02,Credit card,,Billing disputes,,,,N/A,Referral,2012-10-09,Closed with explanation,Yes,No,CR0164974,4576
2012-10-02,Credit card,,Credit reporting,,,,N/A,Referral,2012-10-04,Closed with monetary relief,Yes,No,CR0164856,4790
2012-10-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-04,Closed with monetary relief,Yes,No,CR0165371,2856
2012-10-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-03,Closed with monetary relief,Yes,No,CR0164931,3114
2012-10-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-23,Closed with explanation,Yes,Yes,CR0164971,13539
2012-10-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-02,Closed with non-monetary relief,Yes,No,CR0164719,1465
2012-10-01,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-10-03,Closed with monetary relief,No,No,CR0164521,154
2012-10-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-10-02,Closed with explanation,Yes,No,CR0164222,2867
2012-10-01,Credit card,,Billing statement,,,,N/A,Referral,2012-10-01,Closed with monetary relief,Yes,Yes,CR0164215,1241
2012-10-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-02,Closed with monetary relief,Yes,No,CR0164225,3985
2012-10-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-02,Closed with explanation,Yes,No,CR0164223,6015
2012-10-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-02,Closed with explanation,Yes,No,CR0164229,2401
2012-10-01,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-02,Closed with explanation,Yes,No,CR0164502,2265
2012-10-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-02,Closed with explanation,Yes,Yes,CR0164425,3509
2012-10-01,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-02,Closed with monetary relief,Yes,No,CR0164226,2534
2012-10-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-03,Closed with explanation,Yes,No,CR0164418,13171
2012-09-28,Credit card,,Collection practices,,,,N/A,Referral,2012-10-01,Closed with explanation,Yes,No,CR0163733,4755
2012-09-28,Credit card,,Collection practices,,,,N/A,Referral,2012-10-01,Closed with explanation,Yes,No,CR0161662,4100
2012-09-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-10-01,Closed with monetary relief,Yes,No,CR0164065,483
2012-09-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-01,Closed with explanation,Yes,Yes,CR0164103,6892
2012-09-27,Credit card,,Payoff process,,,,N/A,Referral,2012-10-01,Closed with monetary relief,Yes,No,CR0160608,3249
2012-09-27,Credit card,,Other,,,,N/A,Referral,2012-10-01,Closed with non-monetary relief,Yes,No,CR0160581,2554
2012-09-27,Credit card,,Billing disputes,,,,N/A,Referral,2012-09-28,Closed with explanation,Yes,Yes,CR0161290,6256
2012-09-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-28,Closed with explanation,Yes,No,CR0161388,2269
2012-09-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-28,Closed with explanation,Yes,No,CR0161397,4226
2012-09-27,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-09-28,Closed with explanation,Yes,No,CR0161389,392
2012-09-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-09-28,Closed with monetary relief,Yes,No,CR0160597,4326
2012-09-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-09-28,Closed with explanation,Yes,No,CR0161295,7797
2012-09-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-28,Closed with explanation,Yes,Yes,CR0161296,1395
2012-09-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-09-28,Closed with explanation,Yes,No,CR0160278,2555
2012-09-26,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-28,Closed with explanation,Yes,No,CR0158893,6844
2012-09-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-27,Closed with explanation,Yes,No,CR0160435,7614
2012-09-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-28,Closed with non-monetary relief,Yes,No,CR0158905,4674
2012-09-25,Credit card,,Rewards,,,,N/A,Referral,2012-09-26,Closed with non-monetary relief,Yes,No,CR0160035,3783
2012-09-25,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-09-26,Closed with explanation,Yes,Yes,CR0159854,8362
2012-09-25,Credit card,,APR or interest rate,,,,N/A,Referral,2012-09-26,Closed with explanation,Yes,No,CR0159676,5399
2012-09-25,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-09-26,Closed with explanation,Yes,No,CR0159986,915
2012-09-25,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-09-26,Closed with monetary relief,Yes,No,CR0159975,3025
2012-09-25,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-26,Closed with explanation,Yes,No,CR0159949,10564
2012-09-25,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-26,Closed,Yes,No,CR0159780,1526
2012-09-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-26,Closed with explanation,Yes,No,CR0159800,4187
2012-09-24,Credit card,,Rewards,,,,N/A,Referral,2012-09-25,Closed with monetary relief,Yes,No,CR0158633,7864
2012-09-24,Credit card,,Transaction issue,,,,N/A,Referral,2012-09-25,Closed with explanation,Yes,Yes,CR0158603,2462
2012-09-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-25,Closed with non-monetary relief,Yes,No,CR0158466,237
2012-09-24,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-09-25,Closed with explanation,Yes,No,CR0158786,68
2012-09-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-24,Closed with monetary relief,Yes,No,CR0158399,3641
2012-09-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-09-24,Closed with explanation,Yes,No,CR0158421,13658
2012-09-24,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-09-24,Closed with non-monetary relief,Yes,No,CR0158384,4625
2012-09-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-09-25,Closed with explanation,Yes,No,CR0158626,1265
2012-09-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-25,Closed with non-monetary relief,Yes,No,CR0157900,267
2012-09-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-09-24,Closed with non-monetary relief,Yes,No,CR0157504,425
2012-09-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-24,Closed with monetary relief,Yes,No,CR0157499,898
2012-09-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-24,Closed with explanation,Yes,No,CR0157637,2691
2012-09-21,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2012-09-24,Closed with explanation,Yes,Yes,CR0157494,2943
2012-09-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-09-24,Closed with explanation,Yes,Yes,CR0157636,5133
2012-09-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-24,Closed with explanation,Yes,No,CR0157497,2421
2012-09-20,Credit card,,Billing disputes,,,,N/A,Referral,2012-09-21,Closed with non-monetary relief,Yes,No,CR0156723,3510
2012-09-20,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-09-21,Closed with explanation,Yes,Yes,CR0156701,4204
2012-09-20,Credit card,,Billing disputes,,,,N/A,Referral,2012-09-21,Closed with explanation,Yes,No,CR0156702,4254
2012-09-20,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-09-21,Closed with explanation,Yes,No,CR0156707,2119
2012-09-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-20,Closed with non-monetary relief,Yes,No,CR0155576,3143
2012-09-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-21,Closed with explanation,Yes,No,CR0156942,3014
2012-09-19,Credit card,,Payoff process,,,,N/A,Referral,2012-09-20,Closed with explanation,Yes,No,CR0156281,3139
2012-09-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-09-19,Closed with explanation,Yes,Yes,CR0156267,1849
2012-09-19,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-09-19,Closed with non-monetary relief,Yes,No,CR0155355,4596
2012-09-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-09-20,Closed with explanation,Yes,Yes,CR0156312,4652
2012-09-19,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-09-20,Closed with explanation,Yes,No,CR0156492,3853
2012-09-19,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-09-20,Closed with monetary relief,Yes,No,CR0156279,6235
2012-09-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-20,Closed with monetary relief,Yes,Yes,CR0156496,960
2012-09-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-09-21,Closed with monetary relief,Yes,No,CR0156745,13089
2012-09-18,Credit card,,Payoff process,,,,N/A,Referral,2012-09-18,Closed with explanation,Yes,No,CR0155123,2952
2012-09-18,Credit card,,Billing disputes,,,,N/A,Referral,2012-09-18,Closed with explanation,Yes,No,CR0155083,2529
2012-09-18,Credit card,,Other,,,,N/A,Referral,2012-09-20,Closed with explanation,Yes,No,CR0155270,3305
2012-09-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-09-19,Closed with non-monetary relief,Yes,No,CR0155276,1326
2012-09-18,Credit card,,Billing disputes,,,,N/A,Referral,2012-09-19,Closed with explanation,Yes,Yes,CR0155275,4160
2012-09-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-19,Closed with explanation,No,,CR0155386,3557
2012-09-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-19,Closed with explanation,Yes,No,CR0155080,704
2012-09-17,Credit card,,Billing statement,,,,N/A,Referral,2012-09-18,Closed with explanation,Yes,Yes,CR0154373,3991
2012-09-17,Credit card,,Credit reporting,,,,N/A,Referral,2012-09-17,Closed with non-monetary relief,Yes,No,CR0154186,2794
2012-09-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-18,Closed with explanation,Yes,No,CR0154196,6978
2012-09-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-18,Closed with explanation,Yes,No,CR0154209,4492
2012-09-14,Credit card,,APR or interest rate,,,,N/A,Referral,2012-09-17,Closed with explanation,Yes,No,CR0153246,6186
2012-09-14,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-09-14,Closed with explanation,Yes,Yes,CR0153145,13285
2012-09-14,Credit card,,Payoff process,,,,N/A,Referral,2012-09-17,Closed with explanation,Yes,No,CR0153201,13803
2012-09-14,Credit card,,Billing disputes,,,,N/A,Referral,2012-09-17,Closed with explanation,Yes,No,CR0153383,2537
2012-09-14,Credit card,,Rewards,,,,N/A,Referral,2012-09-18,Closed with explanation,Yes,No,CR0152624,1657
2012-09-14,Credit card,,Billing statement,,,,N/A,Referral,2012-09-17,Closed with explanation,Yes,No,CR0153200,11250
2012-09-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-09-17,Closed with explanation,Yes,No,CR0153386,4509
2012-09-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-17,Closed with explanation,Yes,Yes,CR0153392,5531
2012-09-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-17,Closed with explanation,Yes,No,CR0152508,3821
2012-09-13,Credit card,,Delinquent account,,,,N/A,Referral,2012-09-13,Closed with explanation,Yes,Yes,CR0151410,3273
2012-09-13,Credit card,,Collection debt dispute,,,Older American,N/A,Referral,2012-09-17,Closed with explanation,Yes,Yes,CR0151787,1110
2012-09-13,Credit card,,APR or interest rate,,,,N/A,Referral,2012-09-14,Closed with explanation,Yes,No,CR0152553,3275
2012-09-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-17,Closed with explanation,Yes,No,CR0151847,1394
2012-09-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-17,Closed with explanation,Yes,No,CR0151851,1349
2012-09-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-14,Closed with explanation,Yes,No,CR0151033,4455
2012-09-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-09-17,Closed with monetary relief,Yes,No,CR0151858,2455
2012-09-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-14,Closed with monetary relief,Yes,No,CR0151034,2188
2012-09-13,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-17,Closed with explanation,Yes,No,CR0151848,586
2012-09-12,Credit card,,Rewards,,,,N/A,Referral,2012-09-14,Closed with explanation,Yes,No,CR0151659,6501
2012-09-12,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-09-12,Closed with explanation,Yes,No,CR0150871,4560
2012-09-12,Credit card,,Forbearance / Workout plans,,,,N/A,Referral,2012-09-13,Closed with explanation,No,No,CR0150942,2017
2012-09-12,Credit card,,APR or interest rate,,,,N/A,Referral,2012-09-13,Closed with explanation,Yes,No,CR0151653,1187
2012-09-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-13,Closed with explanation,Yes,No,CR0151471,2336
2012-09-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-13,Closed with explanation,Yes,No,CR0151656,5722
2012-09-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-12,Closed with explanation,Yes,No,CR0150889,2982
2012-09-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-13,Closed with non-monetary relief,Yes,No,CR0151661,5253
2012-09-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-13,Closed with explanation,Yes,No,CR0151493,9313
2012-09-11,Credit card,,Other,,,,N/A,Referral,2012-09-20,Closed with explanation,Yes,No,CR0150619,3662
2012-09-11,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-09-12,Closed with non-monetary relief,Yes,No,CR0150608,2024
2012-09-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-09-12,Closed with monetary relief,Yes,No,CR0150624,1576
2012-09-10,Credit card,,Arbitration,,,,N/A,Referral,2012-09-12,Closed with explanation,Yes,Yes,CR0148922,4165
2012-09-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-09-12,Closed with monetary relief,Yes,No,CR0149140,981
2012-09-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-11,Closed with explanation,Yes,No,CR0149987,2348
2012-09-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-11,Closed with non-monetary relief,Yes,No,CR0149091,4089
2012-09-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-11,Closed with monetary relief,Yes,No,CR0149104,1776
2012-09-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-11,Closed with explanation,Yes,No,CR0149701,2910
2012-09-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-12,Closed with monetary relief,Yes,No,CR0149114,4232
2012-09-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-11,Closed with explanation,Yes,No,CR0149115,3330
2012-09-10,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2012-09-13,Closed with monetary relief,Yes,No,CR0149858,1532
2012-09-07,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-09-07,Closed with explanation,Yes,Yes,CR0148594,4771
2012-09-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-12,Closed with non-monetary relief,Yes,No,CR0148619,2404
2012-09-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-09-07,Closed with monetary relief,Yes,No,CR0148598,2549
2012-09-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-09-11,Closed with explanation,Yes,No,CR0148620,1092
2012-09-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-10,Closed with explanation,Yes,Yes,CR0148144,4400
2012-09-06,Credit card,,Billing disputes,,,,N/A,Referral,2012-09-07,Closed with non-monetary relief,Yes,No,CR0147597,2929
2012-09-06,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-10,Closed with non-monetary relief,Yes,No,CR0147611,3068
2012-09-06,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Referral,2012-09-07,Closed with explanation,Yes,Yes,CR0147508,880
2012-09-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-10,Closed with monetary relief,Yes,No,CR0147516,3377
2012-09-05,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-09-07,Closed with explanation,Yes,No,CR0146966,2600
2012-09-05,Credit card,,Credit reporting,,,,N/A,Referral,2012-09-12,Closed with non-monetary relief,Yes,No,CR0146946,2401
2012-09-05,Credit card,,Billing disputes,,,,N/A,Referral,2012-09-07,Closed with explanation,No,Yes,CR0147150,1927
2012-09-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-07,Closed with monetary relief,Yes,Yes,CR0146925,4754
2012-09-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-14,Closed with monetary relief,Yes,No,CR0146837,3038
2012-09-05,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2012-09-07,Closed with non-monetary relief,Yes,Yes,CR0146951,4034
2012-09-05,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-09-06,Closed with explanation,Yes,Yes,CR0146962,11121
2012-09-05,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2012-09-06,Closed with explanation,Yes,No,CR0146850,223
2012-09-04,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-09-06,Closed with explanation,Yes,No,CR0146395,3158
2012-09-04,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-09-06,Closed with explanation,Yes,No,CR0146398,3039
2012-09-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-07,Closed with explanation,Yes,No,CR0146209,4853
2012-09-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-05,Closed with monetary relief,Yes,No,CR0146273,4267
2012-09-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-09-06,Closed with non-monetary relief,Yes,No,CR0146100,12844
2012-09-04,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-09-05,Closed with non-monetary relief,Yes,No,CR0146222,1879
2012-09-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-05,Closed with explanation,Yes,No,CR0146213,4181
2012-08-31,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-09-06,Closed with explanation,Yes,No,CR0145468,2479
2012-08-31,Credit card,,Billing disputes,,,,N/A,Referral,2012-09-05,Closed with explanation,Yes,No,CR0145477,1845
2012-08-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-07,Closed with monetary relief,Yes,No,CR0145333,1720
2012-08-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-09-05,Closed with explanation,Yes,Yes,CR0145457,2472
2012-08-30,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-09-06,Closed with explanation,Yes,No,CR0145039,1362
2012-08-30,Credit card,,Billing disputes,,,,N/A,Referral,2012-09-05,Closed with explanation,Yes,No,CR0144522,9273
2012-08-30,Credit card,,Billing statement,,,,N/A,Referral,2012-09-05,Closed with explanation,Yes,No,CR0145058,2692
2012-08-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-04,Closed with monetary relief,Yes,No,CR0144870,1816
2012-08-29,Credit card,,Collection practices,,,,N/A,Referral,2012-08-31,Closed with explanation,No,No,CR0143701,1908
2012-08-29,Credit card,,Credit reporting,,,,N/A,Referral,2012-08-31,Closed with explanation,No,Yes,CR0144134,1288
2012-08-29,Credit card,,Credit reporting,,,,N/A,Referral,2012-09-04,Closed with explanation,Yes,No,CR0144353,2906
2012-08-29,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-09-04,Closed with non-monetary relief,Yes,No,CR0144345,13246
2012-08-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-08-30,Closed with monetary relief,Yes,No,CR0143189,7390
2012-08-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-08-31,Closed with monetary relief,Yes,No,CR0143663,3559
2012-08-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-08-31,Closed with explanation,Yes,No,CR0144141,4499
2012-08-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-30,Closed,Yes,No,CR0143167,3529
2012-08-28,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Referral,2012-08-30,Closed with non-monetary relief,Yes,No,CR0143579,4223
2012-08-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-30,Closed with explanation,Yes,No,CR0142486,1073
2012-08-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-29,Closed with explanation,Yes,No,CR0142401,1806
2012-08-24,Credit card,,Rewards,,,,N/A,Referral,2012-08-28,Closed with explanation,Yes,Yes,CR0141683,4618
2012-08-24,Credit card,,Collection practices,,,,N/A,Referral,2012-08-28,Closed with explanation,Yes,Yes,CR0141662,2407
2012-08-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-28,Closed with explanation,Yes,No,CR0141687,13694
2012-08-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-28,Closed with non-monetary relief,Yes,No,CR0141694,10201
2012-08-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-08-29,Closed with explanation,Yes,No,CR0141589,2688
2012-08-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-27,Closed with explanation,Yes,No,CR0141676,11304
2012-08-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-28,Closed with non-monetary relief,Yes,Yes,CR0141686,2587
2012-08-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-27,Closed with explanation,Yes,No,CR0140777,3523
2012-08-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-29,Closed with non-monetary relief,Yes,No,CR0140751,464
2012-08-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-28,Closed with non-monetary relief,Yes,No,CR0140939,2477
2012-08-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-28,Closed with monetary relief,Yes,No,CR0140803,1042
2012-08-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-29,Closed with explanation,Yes,No,CR0140812,1427
2012-08-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-08-27,Closed with monetary relief,Yes,No,CR0140739,3614
2012-08-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-08-29,Closed with monetary relief,Yes,No,CR0140752,2987
2012-08-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-28,Closed with monetary relief,Yes,No,CR0140944,3128
2012-08-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-27,Closed with explanation,Yes,No,CR0140770,916
2012-08-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-08-29,Closed with explanation,Yes,No,CR0140919,2666
2012-08-22,Credit card,,Billing disputes,,,,N/A,Referral,2012-08-27,Closed with monetary relief,Yes,No,CR0140067,4427
2012-08-22,Credit card,,Other,,,,N/A,Referral,2012-08-27,Closed with explanation,Yes,No,CR0140068,5409
2012-08-22,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-11-21,Closed with explanation,Yes,Yes,CR0139944,13468
2012-08-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-24,Closed with explanation,Yes,No,CR0140097,11121
2012-08-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-24,Closed with non-monetary relief,Yes,Yes,CR0140089,1620
2012-08-22,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-08-24,Closed with non-monetary relief,Yes,No,CR0140228,3955
2012-08-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2013-02-26,Closed with explanation,Yes,No,CR0140063,675
2012-08-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-08-24,Closed with explanation,Yes,No,CR0140230,107
2012-08-21,Credit card,,Other,,,,N/A,Referral,2012-08-29,Closed with explanation,Yes,No,CR0139172,2431
2012-08-21,Credit card,,APR or interest rate,,,,N/A,Referral,2012-08-23,Closed with non-monetary relief,No,No,CR0139313,1290
2012-08-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-23,Closed with explanation,Yes,No,CR0139338,4080
2012-08-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-23,Closed with explanation,Yes,Yes,CR0139331,5333
2012-08-20,Credit card,,Billing statement,,,,N/A,Referral,2012-08-27,Closed with explanation,Yes,No,CR0139033,1558
2012-08-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-27,Closed with non-monetary relief,Yes,No,CR0138336,2997
2012-08-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-08-27,Closed with explanation,Yes,No,CR0138493,4056
2012-08-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-08-23,Closed with monetary relief,Yes,No,CR0138333,1622
2012-08-17,Credit card,,Forbearance / Workout plans,,,,N/A,Referral,2012-08-21,Closed with explanation,Yes,No,CR0137831,1134
2012-08-17,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2012-08-21,Closed with non-monetary relief,Yes,No,CR0137692,2371
2012-08-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-22,Closed with monetary relief,Yes,No,CR0137605,2726
2012-08-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-21,Closed with monetary relief,Yes,No,CR0137688,5413
2012-08-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-22,Closed with monetary relief,Yes,No,CR0137515,1543
2012-08-16,Credit card,,APR or interest rate,,,,N/A,Referral,2012-08-20,Closed with explanation,Yes,No,CR0137011,1204
2012-08-16,Credit card,,Billing disputes,,,,N/A,Referral,2012-08-23,Closed with explanation,Yes,No,CR0136920,3811
2012-08-16,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-08-21,Closed with non-monetary relief,Yes,No,CR0137189,808
2012-08-16,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-08-21,Closed with explanation,Yes,No,CR0136924,956
2012-08-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-20,Closed with explanation,Yes,No,CR0137014,7567
2012-08-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-21,Closed with non-monetary relief,Yes,No,CR0137017,1645
2012-08-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-21,Closed with explanation,Yes,Yes,CR0136925,2896
2012-08-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-20,Closed with explanation,Yes,Yes,CR0137009,909
2012-08-15,Credit card,,Payoff process,,,,N/A,Referral,2012-08-21,Closed with explanation,Yes,Yes,CR0136392,8667
2012-08-15,Credit card,,APR or interest rate,,,,N/A,Referral,2012-08-16,Closed with monetary relief,Yes,No,CR0136264,2288
2012-08-15,Credit card,,Billing disputes,,,,N/A,Referral,2012-08-16,Closed with non-monetary relief,Yes,No,CR0135782,590
2012-08-15,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Referral,2012-08-20,Closed with monetary relief,Yes,No,CR0136442,3132
2012-08-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2012-08-20,Closed with monetary relief,Yes,No,CR0136448,1155
2012-08-15,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-07,Closed with explanation,Yes,Yes,CR0136402,4230
2012-08-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-08-16,Closed with monetary relief,Yes,No,CR0135406,240
2012-08-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-08-20,Closed with explanation,Yes,No,CR0136447,4556
2012-08-14,Credit card,,Unsolicited issuance of credit card,,,,N/A,Referral,2012-08-21,Closed with explanation,Yes,No,CR0135537,2977
2012-08-14,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2012-08-20,Closed with non-monetary relief,Yes,No,CR0135526,273
2012-08-13,Credit card,,Application processing delay,,,,N/A,Referral,2012-08-15,Closed with explanation,Yes,No,CR0134930,4425
2012-08-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-08-15,Closed with explanation,Yes,No,CR0134647,1762
2012-08-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-15,Closed with monetary relief,Yes,No,CR0134646,687
2012-08-10,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-08-15,Closed with non-monetary relief,Yes,No,CR0134100,2264
2012-08-10,Credit card,,Collection practices,,,,N/A,Referral,2012-08-10,Closed with explanation,Yes,No,CR0134528,1206
2012-08-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-16,Closed with monetary relief,Yes,Yes,CR0133795,356
2012-08-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-16,Closed with explanation,Yes,No,CR0133824,3076
2012-08-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-15,Closed with explanation,Yes,No,CR0133672,373
2012-08-09,Credit card,,Payoff process,,,,N/A,Referral,2012-08-14,Closed with monetary relief,Yes,No,CR0133213,3827
2012-08-09,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-08-14,Closed with explanation,Yes,No,CR0133217,1176
2012-08-09,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-04,Closed with explanation,Yes,No,CR0133081,1531
2012-08-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-15,Closed with explanation,Yes,No,CR0133097,4861
2012-08-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-08-14,Closed with monetary relief,Yes,No,CR0133118,495
2012-08-08,Credit card,,Other fee,,,Older American,N/A,Referral,2012-08-14,Closed with explanation,Yes,No,CR0132760,3465
2012-08-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-08-16,Closed with explanation,Yes,Yes,CR0132808,906
2012-08-08,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-08-09,Closed with explanation,Yes,No,CR0131486,2231
2012-08-08,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-08-08,Closed with explanation,Yes,No,CR0131475,1494
2012-08-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-13,Closed with explanation,Yes,No,CR0132986,1396
2012-08-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-13,Closed with monetary relief,Yes,No,CR0132097,677
2012-08-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-08-14,Closed with monetary relief,Yes,No,CR0132763,13291
2012-08-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-14,Closed with explanation,Yes,No,CR0132798,13201
2012-08-07,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-08-15,Closed with explanation,No,No,CR0131890,3951
2012-08-07,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-08-10,Closed with explanation,No,No,CR0130855,4862
2012-08-07,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-08-15,Closed with explanation,Yes,No,CR0131848,889
2012-08-07,Credit card,,Payoff process,,,,N/A,Referral,2012-08-15,Closed with explanation,Yes,Yes,CR0131850,3914
2012-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-10,Closed with explanation,Yes,No,CR0130851,12382
2012-08-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-15,Closed with explanation,Yes,No,CR0131843,5860
2012-08-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-15,Closed with non-monetary relief,Yes,No,CR0131844,318
2012-08-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-14,Closed with explanation,Yes,No,CR0131644,727
2012-08-07,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-08-10,Closed with explanation,Yes,Yes,CR0130845,2098
2012-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-15,Closed with explanation,Yes,No,CR0131806,2155
2012-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-15,Closed with explanation,Yes,No,CR0131838,4085
2012-08-06,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-08-10,Closed with explanation,Yes,No,CR0130149,2948
2012-08-06,Credit card,,APR or interest rate,,,,N/A,Referral,2012-08-10,Closed with explanation,Yes,Yes,CR0130600,1850
2012-08-06,Credit card,,Credit reporting,,,Older American,N/A,Referral,2012-08-10,Closed with explanation,Yes,No,CR0130621,5308
2012-08-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-08-10,Closed with monetary relief,Yes,No,CR0130159,2884
2012-08-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-08-14,Closed with explanation,Yes,No,CR0130606,11372
2012-08-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-24,Closed,No,,CR0130182,4146
2012-08-03,Credit card,,Billing disputes,,,,N/A,Referral,2012-08-10,Closed,No,No,CR0129512,4678
2012-08-03,Credit card,,Payoff process,,,,N/A,Referral,2012-08-10,Closed with explanation,No,No,CR0130071,822
2012-08-03,Credit card,,Rewards,,,,N/A,Referral,2012-08-09,Closed with explanation,Yes,No,CR0130074,13451
2012-08-03,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-08-10,Closed with explanation,Yes,Yes,CR0129413,7959
2012-08-03,Credit card,,Billing disputes,,,,N/A,Referral,2012-08-10,Closed with non-monetary relief,Yes,No,CR0129414,316
2012-08-03,Credit card,,Other fee,,,,N/A,Referral,2012-08-14,Closed with explanation,Yes,No,CR0130101,2000
2012-08-03,Bank account or service,(CD) Certificate of deposit,"Making/receiving payments, sending money",,,,N/A,Referral,2012-08-10,Closed with explanation,Yes,Yes,CR0130085,3321
2012-08-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-15,Closed with monetary relief,Yes,No,CR0130370,3774
2012-08-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-15,Closed,Yes,No,CR0130373,4524
2012-08-03,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-10,Closed with explanation,Yes,No,CR0129531,2953
2012-08-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-08-14,Closed with monetary relief,Yes,No,CR0130095,4915
2012-08-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-09,Closed with explanation,Yes,No,CR0129525,2683
2012-08-02,Credit card,,Other fee,,,,N/A,Referral,2012-08-03,Closed with monetary relief,Yes,No,CR0129090,3673
2012-08-02,Credit card,,Credit reporting,,,,N/A,Referral,2012-08-07,Closed with explanation,Yes,No,CR0128226,8667
2012-08-02,Credit card,,Billing disputes,,,,N/A,Referral,2012-08-08,Closed with non-monetary relief,Yes,No,CR0129132,2614
2012-08-02,Credit card,,APR or interest rate,,,,N/A,Referral,2012-08-10,Closed with explanation,Yes,No,CR0129987,3467
2012-08-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-09,Closed with non-monetary relief,Yes,No,CR0128250,440
2012-08-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-08,Closed with explanation,Yes,No,CR0128967,2204
2012-08-02,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-08-08,Closed with non-monetary relief,Yes,No,CR0129135,1785
2012-08-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-08-08,Closed with monetary relief,Yes,No,CR0129134,3172
2012-08-02,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-09,Closed with monetary relief,Yes,No,CR0128950,4624
2012-08-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-08-08,Closed with monetary relief,Yes,No,CR0128964,2192
2012-08-01,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-08-06,Closed with non-monetary relief,Yes,No,CR0128408,1473
2012-08-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-08-13,Closed with monetary relief,Yes,No,CR0127192,4340
2012-08-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-08-06,Closed with non-monetary relief,Yes,No,CR0128377,2701
2012-07-31,Credit card,,Credit reporting,,,,N/A,Referral,2012-08-07,Closed with explanation,Yes,No,CR0127403,1042
2012-07-31,Credit card,,Other fee,,,,N/A,Referral,2012-08-07,Closed with monetary relief,Yes,No,CR0127410,5684
2012-07-31,Credit card,,Billing disputes,,,,N/A,Referral,2012-08-01,Closed with explanation,Yes,No,CR0128006,4087
2012-07-31,Credit card,,Other fee,,,,N/A,Referral,2012-08-06,Closed with monetary relief,Yes,No,CR0127584,1006
2012-07-31,Credit card,,Other fee,,,,N/A,Referral,2012-08-07,Closed with non-monetary relief,Yes,No,CR0127413,4147
2012-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-13,Closed with explanation,Yes,No,CR0128042,10041
2012-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-10,Closed,Yes,Yes,CR0126444,11979
2012-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-03,Closed with explanation,Yes,Yes,CR0127377,329
2012-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-03,Closed with explanation,Yes,Yes,CR0127576,2407
2012-07-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-03,Closed with non-monetary relief,Yes,No,CR0127392,2893
2012-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-08,Closed with monetary relief,Yes,No,CR0127421,953
2012-07-30,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-08-08,Closed with explanation,Yes,Yes,CR0126593,277
2012-07-30,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-08-08,Closed with explanation,Yes,Yes,CR0126385,3645
2012-07-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-07,Closed with explanation,Yes,No,CR0126585,3409
2012-07-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-02,Closed with explanation,Yes,No,CR0126766,2506
2012-07-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-02,Closed with explanation,Yes,No,CR0126778,2265
2012-07-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-06,Closed with monetary relief,Yes,No,CR0126782,4505
2012-07-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-07,Closed with explanation,Yes,No,CR0126582,7422
2012-07-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-08-07,Closed with explanation,Yes,No,CR0126586,3597
2012-07-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-08-02,Closed with explanation,Yes,Yes,CR0126765,4025
2012-07-27,Credit card,,Payoff process,,,,N/A,Referral,2012-07-31,Closed with non-monetary relief,Yes,Yes,CR0125420,3911
2012-07-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-08-01,Closed with explanation,Yes,No,CR0126030,3630
2012-07-27,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2012-07-31,Closed with monetary relief,Yes,No,CR0125413,2892
2012-07-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-31,Closed with explanation,Yes,Yes,CR0125393,7586
2012-07-26,Credit card,,Other fee,,,,N/A,Referral,2012-07-31,Closed with monetary relief,Yes,No,CR0125073,498
2012-07-26,Credit card,,Credit reporting,,,,N/A,Referral,2012-08-02,Closed with explanation,Yes,No,CR0124825,1473
2012-07-26,Credit card,,Billing disputes,,,,N/A,Referral,2012-07-30,Closed with explanation,Yes,No,CR0124842,2347
2012-07-26,Credit card,,Cash advance fee,,,,N/A,Referral,2012-08-03,Closed with monetary relief,Yes,No,CR0124868,613
2012-07-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-30,Closed,Yes,No,CR0124786,4610
2012-07-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-02,Closed with explanation,Yes,No,CR0124817,3730
2012-07-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-08-03,Closed with explanation,Yes,No,CR0124881,2626
2012-07-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-08-01,Closed with explanation,Yes,No,CR0125277,3567
2012-07-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-31,Closed with explanation,Yes,No,CR0124781,2436
2012-07-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-31,Closed with explanation,Yes,Yes,CR0124785,1234
2012-07-26,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2012-07-30,Closed with explanation,Yes,No,CR0124800,199
2012-07-25,Credit card,,Billing disputes,,,,N/A,Referral,2012-07-30,Closed with explanation,Yes,No,CR0124162,3399
2012-07-25,Credit card,,Billing disputes,,,,N/A,Referral,2012-07-30,Closed with explanation,Yes,No,CR0124174,4682
2012-07-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-27,Closed with explanation,Yes,No,CR0124154,12079
2012-07-25,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-26,Closed with explanation,Yes,Yes,CR0124209,11860
2012-07-24,Credit card,,Credit reporting,,,,N/A,Referral,2012-07-27,Closed with non-monetary relief,Yes,No,CR0123647,2339
2012-07-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-27,Closed with explanation,Yes,No,CR0123653,1254
2012-07-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-07-26,Closed with explanation,Yes,Yes,CR0123642,3265
2012-07-24,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-07-27,Closed with non-monetary relief,Yes,Yes,CR0123629,2324
2012-07-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-07-30,Closed with explanation,Yes,No,CR0123404,4117
2012-07-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-31,Closed with explanation,Yes,No,CR0123427,11
2012-07-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-31,Closed with explanation,Yes,No,CR0123417,4464
2012-07-23,Credit card,,Collection practices,,,,N/A,Referral,2012-07-30,Closed with explanation,Yes,No,CR0122693,2759
2012-07-23,Credit card,,Payoff process,,,,N/A,Referral,2012-07-30,Closed with explanation,Yes,No,CR0122471,4302
2012-07-23,Credit card,,Billing disputes,,,,N/A,Referral,2012-07-26,Closed with explanation,Yes,No,CR0122473,1951
2012-07-23,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-07-24,Closed with monetary relief,Yes,No,CR0121955,3094
2012-07-23,Credit card,,Forbearance / Workout plans,,,,N/A,Referral,2012-07-26,Closed with explanation,Yes,No,CR0122470,2418
2012-07-23,Credit card,,Other,,,,N/A,Referral,2012-07-27,Closed with explanation,Yes,No,CR0122495,4729
2012-07-23,Credit card,,APR or interest rate,,,,N/A,Referral,2012-07-31,Closed with explanation,Yes,No,CR0123247,3985
2012-07-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-07-26,Closed with explanation,Yes,No,CR0122469,2037
2012-07-23,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-31,Closed with monetary relief,Yes,No,CR0122686,895
2012-07-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-07-27,Closed with monetary relief,Yes,No,CR0122353,4103
2012-07-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-07-27,Closed with monetary relief,Yes,Yes,CR0122351,774
2012-07-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-31,Closed with explanation,Yes,No,CR0122679,3658
2012-07-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-07-24,Closed with explanation,Yes,No,CR0123166,2256
2012-07-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-27,Closed with explanation,Yes,No,CR0122341,1939
2012-07-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-24,Closed with explanation,Yes,No,CR0123167,3097
2012-07-20,Credit card,,Billing disputes,,,,N/A,Referral,2012-07-25,Closed with explanation,Yes,No,CR0121435,632
2012-07-20,Credit card,,Credit determination,,,,N/A,Referral,2012-07-27,Closed with explanation,No,Yes,CR0121584,2784
2012-07-20,Credit card,,APR or interest rate,,,,N/A,Referral,2012-07-24,Closed with explanation,Yes,No,CR0121403,2255
2012-07-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-07-23,Closed with explanation,Yes,No,CR0121360,271
2012-07-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-07-23,Closed with monetary relief,Yes,No,CR0121364,2626
2012-07-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-07-24,Closed with monetary relief,Yes,No,CR0121410,192
2012-07-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-26,Closed,Yes,No,CR0121581,2820
2012-07-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-07-23,Closed with non-monetary relief,Yes,No,CR0121344,3347
2012-07-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-24,Closed with monetary relief,Yes,No,CR0121396,2010
2012-07-20,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-07-27,Closed with monetary relief,Yes,No,CR0121719,2969
2012-07-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-09-05,Closed with non-monetary relief,Yes,No,CR0120647,5379
2012-07-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-21,Closed with explanation,Yes,No,CR0120646,4808
2012-07-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-07-20,Closed with explanation,Yes,Yes,CR0121227,11491
2012-07-18,Credit card,,Collection practices,,,,N/A,Referral,2012-07-27,Closed with non-monetary relief,No,No,CR0119745,468
2012-07-18,Credit card,,Rewards,,,,N/A,Referral,2012-07-25,Closed with explanation,Yes,No,CR0119876,11685
2012-07-18,Credit card,,Billing disputes,,,,N/A,Referral,2012-07-25,Closed with monetary relief,Yes,No,CR0119868,3225
2012-07-18,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-07-23,Closed with explanation,Yes,No,CR0120103,3573
2012-07-18,Credit card,,Billing disputes,,,,N/A,Referral,2012-07-23,Closed with monetary relief,Yes,No,CR0118807,3550
2012-07-18,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2012-07-26,Closed with explanation,Yes,No,CR0120113,1812
2012-07-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-07-27,Closed with explanation,Yes,No,CR0119720,4663
2012-07-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-23,Closed with explanation,Yes,No,CR0120094,749
2012-07-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-23,Closed with monetary relief,Yes,No,CR0119700,3983
2012-07-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-23,Closed with non-monetary relief,Yes,No,CR0119704,2923
2012-07-18,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Referral,2012-07-24,Closed with explanation,Yes,No,CR0119712,2515
2012-07-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-07-23,Closed with explanation,Yes,No,CR0120104,8738
2012-07-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-07-23,Closed with monetary relief,Yes,No,CR0119709,3479
2012-07-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-25,Closed with explanation,Yes,No,CR0119903,9451
2012-07-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-07-27,Closed with explanation,Yes,No,CR0119724,5236
2012-07-17,Credit card,,Billing disputes,,,,N/A,Referral,2012-07-20,Closed with non-monetary relief,Yes,No,CR0119115,492
2012-07-17,Credit card,,APR or interest rate,,,,N/A,Referral,2012-07-19,Closed with monetary relief,Yes,Yes,CR0118931,13468
2012-07-17,Credit card,,APR or interest rate,,,,N/A,Referral,2012-07-19,Closed with explanation,No,Yes,CR0119633,1229
2012-07-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-07-18,Closed with explanation,Yes,No,CR0118937,3032
2012-07-17,Credit card,,Billing disputes,,,,N/A,Referral,2012-07-19,Closed with explanation,No,Yes,CR0119441,872
2012-07-17,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-19,Closed,Yes,No,CR0118932,2460
2012-07-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-07-27,Closed with explanation,Yes,No,CR0119587,8666
2012-07-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-23,Closed with monetary relief,Yes,No,CR0119477,6422
2012-07-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-07-24,Closed with non-monetary relief,Yes,No,CR0118128,3394
2012-07-16,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-07-16,Closed with monetary relief,Yes,No,CR0117197,2707
2012-07-16,Credit card,,Credit reporting,,,,N/A,Referral,2012-07-19,Closed with explanation,Yes,No,CR0118142,2395
2012-07-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-07-27,Closed with monetary relief,Yes,No,CR0117188,4024
2012-07-16,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2012-07-19,Closed with explanation,Yes,Yes,CR0117211,219
2012-07-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-07-19,Closed with explanation,Yes,Yes,CR0117166,557
2012-07-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-27,Closed with explanation,Yes,No,CR0118114,201
2012-07-16,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-07-16,Closed with explanation,Yes,No,CR0117179,2040
2012-07-13,Credit card,,Transaction issue,,,,N/A,Referral,2012-07-19,Closed with explanation,Yes,Yes,CR0117325,3281
2012-07-13,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-07-20,Closed with explanation,Yes,No,CR0117338,714
2012-07-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-24,Closed with monetary relief,Yes,No,CR0116440,5326
2012-07-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-18,Closed with monetary relief,Yes,No,CR0117340,2746
2012-07-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-07-23,Closed with monetary relief,Yes,Yes,CR0117484,46
2012-07-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-07-19,Closed with explanation,Yes,Yes,CR0117313,1162
2012-07-12,Credit card,,APR or interest rate,,,,N/A,Referral,2012-07-16,Closed with non-monetary relief,Yes,No,CR0116471,2239
2012-07-12,Credit card,,Credit reporting,,,,N/A,Referral,2012-07-18,Closed with explanation,Yes,Yes,CR0116713,3484
2012-07-12,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-07-17,Closed,Yes,Yes,CR0116701,4497
2012-07-12,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-07-20,Closed with explanation,No,Yes,CR0115723,11943
2012-07-12,Credit card,,Billing disputes,,,,N/A,Referral,2012-07-17,Closed with monetary relief,Yes,No,CR0116717,1118
2012-07-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-16,Closed with monetary relief,Yes,No,CR0116384,1755
2012-07-12,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-07-17,Closed with non-monetary relief,Yes,No,CR0116570,2992
2012-07-12,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2012-07-19,Closed with explanation,Yes,No,CR0115712,350
2012-07-11,Credit card,,Rewards,,,,N/A,Referral,2012-07-16,Closed with explanation,Yes,Yes,CR0115240,3333
2012-07-11,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-07-16,Closed with explanation,Yes,Yes,CR0115830,5214
2012-07-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-07-13,Closed with monetary relief,Yes,No,CR0115298,9663
2012-07-11,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-13,Closed with explanation,Yes,Yes,CR0115269,1448
2012-07-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-07-17,Closed with explanation,Yes,No,CR0115991,4733
2012-07-11,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-16,Closed with explanation,Yes,No,CR0115260,5618
2012-07-11,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2012-08-31,Closed with non-monetary relief,Yes,No,CR0115261,1260
2012-07-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-07-17,Closed with monetary relief,Yes,No,CR0115252,11083
2012-07-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-12,Closed with explanation,Yes,No,CR0115808,1866
2012-07-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-13,Closed with monetary relief,Yes,No,CR0115805,940
2012-07-10,Credit card,,Billing disputes,,,,N/A,Referral,2012-07-10,Closed with explanation,Yes,No,CR0114115,3054
2012-07-10,Credit card,,Credit reporting,,,,N/A,Referral,2012-07-18,Closed with explanation,Yes,No,CR0115451,754
2012-07-10,Credit card,,Credit reporting,,,,N/A,Referral,2012-07-13,Closed with explanation,Yes,No,CR0114601,191
2012-07-10,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-07-16,Closed with explanation,Yes,No,CR0115435,664
2012-07-10,Credit card,,Other,,,,N/A,Referral,2012-07-18,Closed with explanation,Yes,No,CR0115450,21
2012-07-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-12,Closed with explanation,Yes,No,CR0113998,5243
2012-07-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-10-25,Closed with explanation,Yes,No,CR0115452,1655
2012-07-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-13,Closed with non-monetary relief,Yes,No,CR0115457,3245
2012-07-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-19,Closed with explanation,Yes,No,CR0115467,4533
2012-07-09,Credit card,,Billing disputes,,,,N/A,Referral,2012-07-10,Closed with explanation,Yes,No,CR0114493,2839
2012-07-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-07-11,Closed with explanation,Yes,No,CR0114437,1768
2012-07-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-12,Closed with explanation,Yes,Yes,CR0115111,13123
2012-07-06,Credit card,,Credit reporting,,,,N/A,Referral,2012-07-09,Closed with non-monetary relief,Yes,No,CR0113204,695
2012-07-06,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-07-09,Closed with explanation,Yes,Yes,CR0113213,1507
2012-07-06,Credit card,,APR or interest rate,,,,N/A,Referral,2012-07-09,Closed with explanation,Yes,No,CR0113210,2786
2012-07-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-09,Closed with explanation,Yes,No,CR0113196,2996
2012-07-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-07-10,Closed with monetary relief,Yes,No,CR0113402,1304
2012-07-05,Credit card,,Payoff process,,,,N/A,Referral,2012-07-09,Closed with explanation,Yes,No,CR0112717,7412
2012-07-05,Credit card,,Other,,,,N/A,Referral,2012-07-09,Closed with non-monetary relief,Yes,No,CR0112503,2873
2012-07-05,Credit card,,Other,,,,N/A,Referral,2012-07-09,Closed with monetary relief,Yes,No,CR0112367,1754
2012-07-05,Credit card,,Billing disputes,,,,N/A,Referral,2012-07-11,Closed with monetary relief,Yes,No,CR0112372,2892
2012-07-05,Credit card,,Billing disputes,,,,N/A,Referral,2012-07-10,Closed with explanation,Yes,No,CR0112522,1181
2012-07-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-07-09,Closed with monetary relief,Yes,No,CR0112505,4590
2012-07-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-07-06,Closed with monetary relief,Yes,No,CR0112477,4056
2012-07-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-09,Closed with non-monetary relief,Yes,Yes,CR0112713,3341
2012-07-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-07-06,Closed with monetary relief,Yes,No,CR0112495,2044
2012-07-03,Credit card,,Transaction issue,,,,N/A,Referral,2012-07-05,Closed with explanation,Yes,Yes,CR0111141,2958
2012-07-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2012-07-31,Closed with explanation,Yes,No,CR0111886,1946
2012-07-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-07-05,Closed with monetary relief,Yes,Yes,CR0111140,1570
2012-07-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-09,Closed with explanation,Yes,No,CR0111898,2515
2012-07-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-07-05,Closed with monetary relief,Yes,Yes,CR0111222,1285
2012-07-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-03,Closed with explanation,Yes,No,CR0111157,1483
2012-07-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-09,Closed with explanation,Yes,No,CR0111227,1736
2012-06-29,Credit card,,Billing statement,,,,N/A,Referral,2012-07-05,Closed with monetary relief,Yes,No,CR0110532,501
2012-06-29,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-07-02,Closed with explanation,Yes,Yes,CR0109632,2604
2012-06-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-29,Closed with monetary relief,Yes,No,CR0109958,3782
2012-06-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-03,Closed with explanation,Yes,No,CR0110373,3109
2012-06-29,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-07-03,Closed with non-monetary relief,Yes,No,CR0110415,4194
2012-06-29,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-07-03,Closed with explanation,Yes,No,CR0110395,4574
2012-06-28,Credit card,,Credit reporting,,,,N/A,Referral,2012-06-29,Closed with explanation,Yes,No,CR0109753,1510
2012-06-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-02,Closed with monetary relief,Yes,No,CR0109661,4493
2012-06-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-02,Closed with explanation,Yes,No,CR0109659,6892
2012-06-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-02,Closed with explanation,Yes,No,CR0109756,3654
2012-06-27,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-06-29,Closed with explanation,Yes,No,CR0109238,168
2012-06-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-29,Closed with monetary relief,Yes,No,CR0109301,944
2012-06-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-07-02,Closed with monetary relief,Yes,No,CR0109251,815
2012-06-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-28,Closed with explanation,Yes,No,CR0108500,1213
2012-06-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-30,Closed with explanation,Yes,Yes,CR0108997,6987
2012-06-26,Credit card,,Other fee,,,,N/A,Referral,2012-07-03,Closed with explanation,Yes,No,CR0108002,1961
2012-06-26,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-07-05,Closed with explanation,Yes,No,CR0107593,2218
2012-06-26,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-07-03,Closed with non-monetary relief,Yes,No,CR0108657,2485
2012-06-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-28,Closed with monetary relief,Yes,No,CR0107545,1078
2012-06-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-03,Closed with explanation,Yes,Yes,CR0107998,265
2012-06-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-05,Closed with explanation,Yes,No,CR0108034,3932
2012-06-25,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-27,Closed with explanation,Yes,No,CR0107816,346
2012-06-25,Credit card,,Other fee,,,,N/A,Referral,2012-06-27,Closed with explanation,Yes,No,CR0107831,1797
2012-06-25,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-06-28,Closed with non-monetary relief,Yes,Yes,CR0107786,2562
2012-06-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-06-29,Closed with explanation,Yes,No,CR0107837,3524
2012-06-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-06-27,Closed with monetary relief,Yes,No,CR0106781,3067
2012-06-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-28,Closed with explanation,Yes,No,CR0107591,1313
2012-06-23,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Referral,2012-06-27,Closed with monetary relief,Yes,Yes,CR0107089,4623
2012-06-22,Credit card,,Other,,,,N/A,Referral,2012-06-27,Closed with explanation,Yes,No,CR0106999,11064
2012-06-22,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-25,Closed with monetary relief,Yes,No,CR0105984,5275
2012-06-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-26,Closed with monetary relief,Yes,No,CR0106884,2139
2012-06-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-25,Closed with monetary relief,Yes,No,CR0106869,23
2012-06-21,Credit card,,Credit determination,,,,N/A,Referral,2012-06-27,Closed with explanation,Yes,No,CR0105291,2969
2012-06-21,Credit card,,Collection practices,,,,N/A,Referral,2012-06-26,Closed with explanation,Yes,No,CR0106178,1794
2012-06-21,Credit card,,Payoff process,,,,N/A,Referral,2012-06-26,Closed with explanation,Yes,No,CR0106305,63
2012-06-21,Credit card,,APR or interest rate,,,,N/A,Referral,2012-06-27,Closed with explanation,Yes,No,CR0105293,13134
2012-06-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-26,Closed with explanation,Yes,No,CR0104149,749
2012-06-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-26,Closed with explanation,Yes,No,CR0104150,194
2012-06-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-02,Closed with monetary relief,Yes,No,CR0105927,1173
2012-06-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-23,Closed with explanation,Yes,No,CR0105942,11907
2012-06-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-27,Closed with non-monetary relief,Yes,No,CR0106146,6363
2012-06-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-07-03,Closed with monetary relief,Yes,No,CR0106171,4655
2012-06-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-26,Closed with explanation,Yes,No,CR0106309,1425
2012-06-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-03,Closed with monetary relief,Yes,No,CR0106164,921
2012-06-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-26,Closed with explanation,Yes,Yes,CR0106179,1481
2012-06-20,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-27,Closed with explanation,Yes,No,CR0104951,937
2012-06-20,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-22,Closed with non-monetary relief,Yes,No,CR0106055,3890
2012-06-20,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-22,Closed with monetary relief,Yes,No,CR0105203,2836
2012-06-19,Credit card,,Credit reporting,,,,N/A,Referral,2012-06-21,Closed with explanation,Yes,No,CR0104677,2040
2012-06-19,Credit card,,Credit determination,,,,N/A,Referral,2012-06-22,Closed with explanation,Yes,No,CR0104678,860
2012-06-19,Credit card,,Credit determination,,,,N/A,Referral,2012-06-22,Closed,Yes,No,CR0104663,342
2012-06-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-20,Closed with monetary relief,Yes,No,CR0103305,2784
2012-06-19,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2012-06-25,Closed with monetary relief,Yes,No,CR0103729,2841
2012-06-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-20,Closed with explanation,Yes,No,CR0103315,1790
2012-06-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-20,Closed with non-monetary relief,Yes,No,CR0103328,495
2012-06-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-21,Closed with monetary relief,Yes,Yes,CR0103735,1712
2012-06-19,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-06-20,Closed,Yes,No,CR0103323,2488
2012-06-19,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-20,Closed with explanation,Yes,No,CR0103329,1576
2012-06-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-21,Closed with monetary relief,Yes,No,CR0104378,3697
2012-06-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-21,Closed with monetary relief,Yes,No,CR0104379,2790
2012-06-18,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-06-25,Closed with explanation,Yes,No,CR0103805,2370
2012-06-18,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-20,Closed with non-monetary relief,Yes,No,CR0103635,4796
2012-06-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-21,Closed with explanation,Yes,No,CR0103462,2579
2012-06-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-21,Closed with monetary relief,Yes,No,CR0103638,3484
2012-06-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-06-22,Closed with explanation,Yes,Yes,CR0103631,1556
2012-06-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-22,Closed with monetary relief,Yes,No,CR0103453,10382
2012-06-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-21,Closed with monetary relief,Yes,No,CR0103464,1335
2012-06-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-20,Closed with non-monetary relief,Yes,No,CR0102490,1208
2012-06-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-27,Closed with explanation,Yes,No,CR0102511,4799
2012-06-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-20,Closed with explanation,Yes,Yes,CR0102488,4692
2012-06-14,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-06-19,Closed with explanation,Yes,No,CR0101539,3884
2012-06-14,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-19,Closed with explanation,Yes,No,CR0101534,2276
2012-06-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-16,Closed with non-monetary relief,Yes,No,CR0100511,3066
2012-06-14,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-06-19,Closed with monetary relief,Yes,No,CR0101570,2540
2012-06-13,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-06-18,Closed with explanation,Yes,No,CR0100671,1455
2012-06-13,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-06-16,Closed with explanation,Yes,No,CR0100430,182
2012-06-13,Credit card,,Collection practices,,,,N/A,Referral,2012-06-18,Closed with explanation,Yes,No,CR0100656,3545
2012-06-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-06-18,Closed with explanation,No,,CR0100432,4302
2012-06-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-16,Closed with explanation,Yes,No,CR0100429,2204
2012-06-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-18,Closed with non-monetary relief,Yes,No,CR0100667,2506
2012-06-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-20,Closed with explanation,Yes,No,CR0100444,9915
2012-06-13,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-06-20,Closed with explanation,Yes,Yes,CR0100477,325
2012-06-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-18,Closed,Yes,No,CR0100652,12
2012-06-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-18,Closed with monetary relief,Yes,No,CR0100845,12586
2012-06-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-21,Closed with explanation,Yes,No,CR0100856,5539
2012-06-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-16,Closed with non-monetary relief,Yes,No,CR0100413,10510
2012-06-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-18,Closed with explanation,Yes,Yes,CR0100469,295
2012-06-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-15,Closed with monetary relief,Yes,No,CR0100648,7765
2012-06-12,Credit card,,APR or interest rate,,,,N/A,Referral,2012-06-18,Closed with explanation,Yes,Yes,CR0099907,3396
2012-06-12,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-18,Closed with monetary relief,Yes,No,CR0099917,4461
2012-06-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-18,Closed with monetary relief,Yes,No,CR0099893,9664
2012-06-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-18,Closed with monetary relief,Yes,No,CR0099933,3037
2012-06-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-18,Closed with non-monetary relief,Yes,No,CR0099894,3000
2012-06-11,Credit card,,Rewards,,,,N/A,Referral,2012-06-15,Closed with non-monetary relief,Yes,No,CR0099182,3428
2012-06-11,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-06-15,Closed with explanation,Yes,No,CR0099699,3747
2012-06-11,Credit card,,Other fee,,,,N/A,Referral,2012-06-15,Closed with monetary relief,Yes,No,CR0099345,4027
2012-06-11,Credit card,,Billing disputes,,,Older American,N/A,Referral,2012-06-18,Closed with explanation,Yes,Yes,CR0099149,4511
2012-06-11,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-06-18,Closed with non-monetary relief,Yes,No,CR0099153,174
2012-06-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-14,Closed with monetary relief,Yes,No,CR0099165,10070
2012-06-11,Bank account or service,(CD) Certificate of deposit,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-15,Closed with monetary relief,Yes,No,CR0099349,6750
2012-06-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-18,Closed with monetary relief,Yes,No,CR0099145,1900
2012-06-08,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-21,Closed with explanation,Yes,No,CR0098497,2433
2012-06-08,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-14,Closed with non-monetary relief,Yes,No,CR0097671,4800
2012-06-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-06-14,Closed with explanation,Yes,No,CR0099046,13924
2012-06-08,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2012-06-11,Closed,Yes,No,CR0097018,6235
2012-06-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-15,Closed with non-monetary relief,Yes,No,CR0096986,842
2012-06-07,Credit card,,Payoff process,,,,N/A,Referral,2012-06-19,Closed with explanation,Yes,No,CR0097218,3466
2012-06-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-08,Closed with non-monetary relief,Yes,No,CR0097581,2084
2012-06-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-13,Closed with explanation,Yes,No,CR0097236,3068
2012-06-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-08,Closed with monetary relief,Yes,No,CR0097608,11275
2012-06-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-08,Closed with monetary relief,Yes,No,CR0095833,3641
2012-06-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-15,Closed with monetary relief,Yes,Yes,CR0097570,1109
2012-06-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-08,Closed with non-monetary relief,No,No,CR0095824,3107
2012-06-07,Bank account or service,(CD) Certificate of deposit,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-08,Closed with non-monetary relief,No,No,CR0095843,2298
2012-06-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-08,Closed with explanation,Yes,No,CR0095846,4748
2012-06-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-10-25,Closed with monetary relief,Yes,No,CR0094542,718
2012-06-06,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-15,Closed with explanation,Yes,No,CR0095760,4507
2012-06-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-14,Closed with explanation,Yes,No,CR0095796,5144
2012-06-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-13,Closed with non-monetary relief,Yes,No,CR0095973,3470
2012-06-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-14,Closed with explanation,Yes,No,CR0095991,4578
2012-06-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-15,Closed with explanation,Yes,No,CR0094487,4259
2012-06-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-15,Closed with explanation,Yes,No,CR0095039,3832
2012-06-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-13,Closed with explanation,Yes,Yes,CR0095966,50
2012-06-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-14,Closed,Yes,No,CR0095983,3862
2012-06-06,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-14,Closed with explanation,Yes,No,CR0095795,4651
2012-06-05,Credit card,,Late fee,,,,N/A,Referral,2012-06-11,Closed with monetary relief,Yes,No,CR0094082,766
2012-06-05,Credit card,,APR or interest rate,,,,N/A,Referral,2012-06-11,Closed with explanation,Yes,No,CR0094701,1692
2012-06-05,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-07-17,Closed with explanation,Yes,No,CR0094738,4383
2012-06-05,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-06-25,Closed with explanation,Yes,No,CR0095702,970
2012-06-05,Credit card,,Other fee,,,,N/A,Referral,2012-06-13,Closed with monetary relief,Yes,No,CR0094717,4134
2012-06-05,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-06-13,Closed with non-monetary relief,Yes,No,CR0094983,2786
2012-06-05,Credit card,,Billing disputes,,,,N/A,Referral,2012-07-17,Closed with explanation,No,No,CR0094936,864
2012-06-05,Credit card,,APR or interest rate,,,,N/A,Referral,2012-06-13,Closed with non-monetary relief,Yes,Yes,CR0094743,2524
2012-06-05,Credit card,,Rewards,,,,N/A,Referral,2012-06-11,Closed with explanation,Yes,No,CR0093991,250
2012-06-05,Credit card,,Forbearance / Workout plans,,,,N/A,Referral,2012-06-11,Closed with non-monetary relief,Yes,No,CR0093995,3834
2012-06-05,Credit card,,Late fee,,,,N/A,Referral,2012-06-13,Closed with non-monetary relief,Yes,No,CR0094705,2439
2012-06-05,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-13,Closed,Yes,No,CR0094716,1543
2012-06-05,Credit card,,Rewards,,,,N/A,Referral,2012-06-11,Closed with explanation,Yes,Yes,CR0094672,7632
2012-06-05,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-13,Closed with explanation,Yes,No,CR0094746,2411
2012-06-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-11,Closed with monetary relief,Yes,No,CR0094020,6729
2012-06-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-14,Closed with monetary relief,Yes,No,CR0094937,116
2012-06-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-11,Closed,Yes,Yes,CR0094981,6481
2012-06-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-08,Closed with non-monetary relief,Yes,No,CR0095424,4546
2012-06-05,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2012-06-08,Closed with monetary relief,Yes,No,CR0094462,3611
2012-06-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-11,Closed with explanation,Yes,No,CR0094682,3389
2012-06-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-13,Closed with explanation,Yes,Yes,CR0094702,1299
2012-06-05,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-12,Closed with explanation,Yes,Yes,CR0094676,1780
2012-06-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-13,Closed with explanation,Yes,No,CR0094986,4732
2012-06-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-06,Closed with non-monetary relief,Yes,No,CR0093983,5517
2012-06-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-11,Closed with explanation,Yes,No,CR0094029,5246
2012-06-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-07-05,Closed with monetary relief,Yes,No,CR0094737,4863
2012-06-04,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-06,Closed with explanation,Yes,Yes,CR0093851,3147
2012-06-04,Credit card,,Collection practices,,,,N/A,Referral,2012-06-12,Closed with explanation,Yes,No,CR0093869,4837
2012-06-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-06-12,Closed with explanation,Yes,Yes,CR0093864,5606
2012-06-04,Credit card,,Other fee,,,,N/A,Referral,2012-06-11,Closed with explanation,Yes,No,CR0093921,345
2012-06-04,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-06-18,Closed with explanation,Yes,No,CR0093843,3062
2012-06-04,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-11,Closed with non-monetary relief,Yes,No,CR0093855,995
2012-06-04,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-06-07,Closed with non-monetary relief,Yes,No,CR0092070,13852
2012-06-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-06-08,Closed with monetary relief,Yes,No,CR0093926,2390
2012-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-07,Closed with monetary relief,Yes,No,CR0093012,1234
2012-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-08,Closed with explanation,Yes,Yes,CR0093167,1582
2012-06-04,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-06-19,Closed with explanation,Yes,No,CR0093849,824
2012-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-11,Closed with explanation,Yes,Yes,CR0093919,911
2012-06-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-12,Closed with non-monetary relief,Yes,No,CR0093860,4207
2012-06-04,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-06-10,Closed with explanation,Yes,No,CR0093909,512
2012-06-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-07,Closed with monetary relief,Yes,No,CR0092049,2523
2012-06-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-11,Closed with monetary relief,No,,CR0093205,10828
2012-06-04,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-06-20,Closed with non-monetary relief,Yes,Yes,CR0093228,893
2012-06-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-08,Closed with non-monetary relief,No,No,CR0092042,1189
2012-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-07,Closed with explanation,Yes,No,CR0092082,145
2012-06-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-11,Closed with monetary relief,Yes,No,CR0093236,3505
2012-06-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-03,Closed with explanation,Yes,No,CR0091910,2805
2012-06-01,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-06-04,Closed with non-monetary relief,Yes,No,CR0090576,1000
2012-06-01,Credit card,,Payoff process,,,,N/A,Referral,2012-06-03,Closed with explanation,Yes,No,CR0090573,4699
2012-06-01,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-07,Closed with monetary relief,Yes,No,CR0091320,2385
2012-06-01,Credit card,,Billing statement,,,,N/A,Referral,2012-06-07,Closed with monetary relief,Yes,No,CR0091372,2546
2012-06-01,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-12,Closed with monetary relief,Yes,No,CR0091395,4036
2012-06-01,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-06-06,Closed with explanation,Yes,No,CR0092280,1240
2012-06-01,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-03,Closed with non-monetary relief,Yes,No,CR0090594,1432
2012-06-01,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-04,Closed with explanation,Yes,No,CR0091240,4242
2012-06-01,Credit card,,Payoff process,,,,N/A,Referral,2012-06-07,Closed with non-monetary relief,Yes,No,CR0091362,4793
2012-06-01,Credit card,,Other fee,,,,N/A,Referral,2012-06-05,Closed with explanation,Yes,No,CR0091282,1158
2012-06-01,Credit card,,APR or interest rate,,,,N/A,Referral,2012-06-08,Closed with monetary relief,Yes,No,CR0091680,6367
2012-06-01,Credit card,,Balance transfer,,,,N/A,Referral,2012-06-13,Closed with explanation,No,,CR0091637,31
2012-06-01,Credit card,,Billing disputes,,,,N/A,Referral,2012-07-25,Closed with explanation,Yes,No,CR0091316,6886
2012-06-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-06-12,Closed with non-monetary relief,Yes,No,CR0091396,2196
2012-06-01,Credit card,,Other fee,,,,N/A,Referral,2012-06-11,Closed with monetary relief,Yes,No,CR0091398,10475
2012-06-01,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-12,Closed with explanation,Yes,No,CR0091628,2602
2012-06-01,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-07,Closed with explanation,Yes,Yes,CR0090591,12643
2012-06-01,Credit card,,Credit reporting,,,,N/A,Referral,2012-06-06,Closed with non-monetary relief,Yes,No,CR0091348,4278
2012-06-01,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-20,Closed with non-monetary relief,Yes,No,CR0092508,2218
2012-06-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-05,Closed with monetary relief,Yes,No,CR0090559,4523
2012-06-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-12,Closed with monetary relief,Yes,No,CR0091399,2784
2012-06-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-06,Closed with monetary relief,Yes,No,CR0090546,1842
2012-06-01,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2012-06-03,Closed with explanation,Yes,No,CR0090568,1910
2012-06-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-06,Closed with explanation,Yes,No,CR0090578,4619
2012-06-01,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-06-07,Closed with non-monetary relief,Yes,No,CR0091662,3267
2012-06-01,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-22,Closed with explanation,Yes,No,CR0091098,550
2012-06-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-12,Closed with non-monetary relief,Yes,No,CR0091627,4679
2012-06-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-06,Closed with non-monetary relief,Yes,No,CR0091636,4663
2012-06-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-11,Closed with explanation,Yes,No,CR0092293,1336
2012-06-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-07,Closed with explanation,Yes,No,CR0091672,12133
2012-06-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-13,Closed with non-monetary relief,Yes,Yes,CR0091642,93
2012-05-31,Credit card,,Credit determination,,,,N/A,Referral,2012-06-05,Closed with explanation,Yes,No,CR0090016,2888
2012-05-31,Credit card,,Other fee,,,,N/A,Referral,2012-06-06,Closed with monetary relief,Yes,No,CR0090155,11123
2012-05-31,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-07,Closed with non-monetary relief,Yes,Yes,CR0090413,1470
2012-05-31,Credit card,,Credit reporting,,,,N/A,Referral,2012-06-05,Closed with monetary relief,Yes,No,CR0090829,2225
2012-05-31,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-06-04,Closed with explanation,Yes,No,CR0089959,3788
2012-05-31,Credit card,,Credit reporting,,,,N/A,Referral,2012-06-05,Closed with explanation,Yes,Yes,CR0089970,2290
2012-05-31,Credit card,,Billing statement,,,,N/A,Referral,2012-06-07,Closed with explanation,Yes,No,CR0090456,3380
2012-05-31,Credit card,,Billing disputes,,,Older American,N/A,Referral,2012-06-04,Closed with explanation,Yes,Yes,CR0090358,1250
2012-05-31,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-06-03,Closed with non-monetary relief,Yes,No,CR0091087,856
2012-05-31,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-04,Closed with explanation,Yes,No,CR0090812,2393
2012-05-31,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-06-02,Closed with explanation,Yes,Yes,CR0090755,1123
2012-05-31,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-06-05,Closed with explanation,Yes,No,CR0089973,858
2012-05-31,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-05,Closed with explanation,Yes,No,CR0089976,1921
2012-05-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-21,Closed with non-monetary relief,Yes,No,CR0089962,9933
2012-05-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-07,Closed with non-monetary relief,Yes,Yes,CR0090434,2091
2012-05-31,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-06,Closed with monetary relief,Yes,No,CR0090798,4602
2012-05-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-04,Closed with monetary relief,Yes,No,CR0089512,1176
2012-05-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-07,Closed with explanation,Yes,No,CR0090443,4507
2012-05-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-02,Closed with explanation,No,No,CR0090109,1571
2012-05-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-01,Closed with explanation,No,Yes,CR0089960,1424
2012-05-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-07,Closed with non-monetary relief,Yes,No,CR0090440,2836
2012-05-31,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-07-03,Closed with explanation,Yes,No,CR0091056,9946
2012-05-31,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-07,Closed with explanation,Yes,No,CR0089496,4758
2012-05-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-06,Closed with non-monetary relief,Yes,No,CR0090094,360
2012-05-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-07,Closed with explanation,Yes,Yes,CR0090157,2238
2012-05-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-03,Closed with explanation,No,Yes,CR0090491,1847
2012-05-31,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-01,Closed,Yes,No,CR0090749,317
2012-05-30,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-04,Closed with explanation,Yes,No,CR0088539,1930
2012-05-30,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-06-05,Closed with non-monetary relief,Yes,No,CR0089153,96
2012-05-30,Credit card,,Other fee,,,,N/A,Referral,2012-06-05,Closed with non-monetary relief,Yes,No,CR0089118,5364
2012-05-30,Credit card,,Credit reporting,,,,N/A,Referral,2012-06-04,Closed with explanation,Yes,No,CR0088547,688
2012-05-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-06,Closed with explanation,Yes,No,CR0089104,4191
2012-05-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-31,Closed with non-monetary relief,Yes,No,CR0088528,4151
2012-05-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-03,Closed with explanation,Yes,No,CR0089088,3888
2012-05-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-04,Closed with explanation,Yes,No,CR0089115,3686
2012-05-29,Credit card,,APR or interest rate,,,,N/A,Referral,2012-06-06,Closed with explanation,Yes,No,CR0088445,137
2012-05-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-01,Closed with non-monetary relief,Yes,No,CR0088423,1584
2012-05-29,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-03,Closed with explanation,Yes,Yes,CR0088448,4606
2012-05-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-02,Closed with explanation,Yes,No,CR0088409,1125
2012-05-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-29,Closed with explanation,Yes,No,CR0088280,398
2012-05-24,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-05-29,Closed with explanation,Yes,No,CR0087485,1291
2012-05-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-18,Closed with explanation,Yes,No,CR0087147,1830
2012-05-24,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-06-05,Closed with monetary relief,Yes,No,CR0087239,2339
2012-05-24,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-06-05,Closed with monetary relief,Yes,No,CR0087146,1929
2012-05-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-04,Closed with monetary relief,Yes,No,CR0087154,730
2012-05-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-05-22,Closed with relief,Yes,No,CR0000348,2696
2012-05-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-22,Closed with relief,Yes,No,CR0038919,1519
2012-05-22,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Referral,2012-05-22,Closed with monetary relief,Yes,No,CR0038909,2070
2012-05-21,Credit card,,Credit reporting,,,,N/A,Referral,2012-05-30,Closed with non-monetary relief,Yes,No,CR0086001,3276
2012-05-21,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-05-31,Closed with explanation,Yes,No,CR0086310,3627
2012-05-21,Credit card,,Billing disputes,,,,N/A,Referral,2012-05-31,Closed with explanation,Yes,Yes,CR0086048,7970
2012-05-21,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-05-31,Closed with non-monetary relief,Yes,No,CR0086606,4124
2012-05-21,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-02,Closed with monetary relief,Yes,No,CR0086138,5240
2012-05-21,Credit card,,Payoff process,,,,N/A,Referral,2012-06-06,Closed with explanation,Yes,No,CR0086322,4671
2012-05-21,Credit card,,Billing disputes,,,,N/A,Referral,2012-05-23,Closed without relief,Yes,Yes,CR0085775,2174
2012-05-21,Credit card,,Rewards,,,,N/A,Referral,2012-06-01,Closed with explanation,Yes,No,CR0086010,2604
2012-05-21,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-06-01,Closed with explanation,Yes,No,CR0086015,2469
2012-05-21,Credit card,,Other,,,,N/A,Referral,2012-05-31,Closed with non-monetary relief,No,No,CR0086102,191
2012-05-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-30,Closed with monetary relief,Yes,No,CR0086334,1744
2012-05-21,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-05-31,Closed with explanation,Yes,No,CR0085949,2437
2012-05-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-22,Closed,Yes,No,CR0086044,357
2012-05-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-01,Closed with explanation,Yes,No,CR0086296,1267
2012-05-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-05,Closed with explanation,Yes,No,CR0086304,3486
2012-05-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-30,Closed with explanation,No,No,CR0086610,2150
2012-05-21,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-05-22,Closed with monetary relief,Yes,No,CR0038907,1009
2012-05-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-30,Closed with explanation,Yes,No,CR0085976,458
2012-05-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-01,Closed with monetary relief,Yes,No,CR0086076,6978
2012-05-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-24,Closed with explanation,Yes,No,CR0086718,3036
2012-05-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-05-31,Closed with monetary relief,Yes,No,CR0085781,884
2012-05-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-30,Closed with non-monetary relief,Yes,Yes,CR0085871,2370
2012-05-21,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2012-05-22,Closed with monetary relief,Yes,No,CR0085802,3326
2012-05-20,Credit card,,APR or interest rate,,,,N/A,Referral,2012-06-01,Closed with explanation,No,No,CR0085466,3304
2012-05-20,Credit card,,Late fee,,,,N/A,Referral,2012-06-02,Closed with non-monetary relief,No,No,CR0068182,2523
2012-05-20,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-06-05,Closed with monetary relief,Yes,No,CR0085064,2930
2012-05-20,Credit card,,Billing statement,,,,N/A,Referral,2012-06-04,Closed with explanation,Yes,No,CR0085073,1749
2012-05-20,Credit card,,Advertising and marketing,,,,N/A,Referral,2012-06-06,Closed with explanation,Yes,No,CR0085224,2076
2012-05-20,Credit card,,Billing disputes,,,,N/A,Referral,2012-06-01,Closed with explanation,No,Yes,CR0085066,3024
2012-05-20,Credit card,,Other fee,,,,N/A,Referral,2012-05-29,Closed with explanation,Yes,No,CR0085672,534
2012-05-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-04,Closed with explanation,Yes,No,CR0084993,283
2012-05-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-03,Closed with explanation,Yes,No,CR0085046,2185
2012-05-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-06-04,Closed with non-monetary relief,Yes,No,CR0085068,3099
2012-05-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-01,Closed with monetary relief,No,No,CR0085472,1109
2012-05-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-06-03,Closed with monetary relief,No,No,CR0084983,3387
2012-05-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-03,Closed with monetary relief,Yes,No,CR0085044,1430
2012-05-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-05-30,Closed with non-monetary relief,Yes,Yes,CR0085698,5320
2012-05-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-06-03,Closed with explanation,Yes,No,CR0085140,1754
2012-05-20,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-31,Closed with explanation,No,,CR0085539,332
2012-05-19,Credit card,,Credit reporting,,,,N/A,Referral,2012-06-01,Closed with non-monetary relief,No,No,CR0084598,670
2012-05-19,Credit card,,Collection practices,,,,N/A,Referral,2012-06-01,Closed with explanation,Yes,No,CR0084336,1981
2012-05-19,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-01,Closed,No,No,CR0084223,6619
2012-05-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-30,Closed with explanation,Yes,No,CR0084286,1525
2012-05-19,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2012-06-01,Closed with explanation,No,Yes,CR0084382,2229
2012-05-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-05-30,Closed with monetary relief,Yes,No,CR0084263,2379
2012-05-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-01,Closed with monetary relief,No,No,CR0084227,2871
2012-05-19,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2012-05-30,Closed with explanation,No,No,CR0084256,1654
2012-05-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-31,Closed with explanation,Yes,No,CR0084466,331
2012-05-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-24,Closed with relief,Yes,No,CR0084298,1909
2012-05-19,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-07-05,Closed with explanation,Yes,No,CR0084635,82
2012-05-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-30,Closed with monetary relief,Yes,No,CR0084261,2214
2012-05-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-03,Closed with monetary relief,Yes,No,CR0084849,2936
2012-05-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-31,Untimely response,No,,CR0084269,55
2012-05-18,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-05-30,Closed with explanation,Yes,No,CR0083674,581
2012-05-18,Credit card,,Transaction issue,,,,N/A,Referral,2012-05-22,Closed with relief,Yes,No,CR0082821,1927
2012-05-18,Credit card,,Payoff process,,,,N/A,Referral,2012-06-04,Closed with explanation,Yes,No,CR0083619,2903
2012-05-18,Credit card,,Billing disputes,,,,N/A,Referral,2012-05-24,Closed with non-monetary relief,No,No,CR0083036,2364
2012-05-18,Credit card,,Other fee,,,,N/A,Referral,2012-05-24,Closed with non-monetary relief,Yes,No,CR0083221,3161
2012-05-18,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-07-17,Closed with explanation,Yes,Yes,CR0083582,1852
2012-05-18,Credit card,,Credit reporting,,,,N/A,Referral,2012-06-04,Closed with non-monetary relief,Yes,Yes,CR0083661,4516
2012-05-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-22,Closed with explanation,Yes,No,CR0082936,3539
2012-05-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-01,Closed with non-monetary relief,Yes,No,CR0083004,1609
2012-05-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-30,Closed with explanation,No,No,CR0083605,3662
2012-05-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-22,Closed with monetary relief,No,Yes,CR0082815,369
2012-05-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-23,Closed with non-monetary relief,No,Yes,CR0082845,12802
2012-05-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-22,Closed with monetary relief,No,No,CR0082900,529
2012-05-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-22,Closed with non-monetary relief,No,No,CR0082898,1657
2012-05-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-24,Closed with relief,Yes,No,CR0083038,4144
2012-05-18,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2012-06-06,Closed,No,No,CR0083091,4095
2012-05-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-01,Closed with explanation,No,Yes,CR0083599,3583
2012-05-17,Credit card,,Late fee,,,,N/A,Referral,2012-05-24,Closed with relief,Yes,No,CR0080473,1823
2012-05-17,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-05-25,Closed with explanation,No,No,CR0080581,855
2012-05-17,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-05-26,Closed with relief,Yes,No,CR0080802,5133
2012-05-17,Credit card,,Credit reporting,,,,N/A,Referral,2012-05-29,Closed with non-monetary relief,Yes,No,CR0082401,3523
2012-05-17,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-05-29,Closed with monetary relief,Yes,No,CR0082411,2860
2012-05-17,Credit card,,Unsolicited issuance of credit card,,,,N/A,Referral,2012-05-18,Closed with non-monetary relief,No,Yes,CR0080527,5827
2012-05-17,Credit card,,Billing disputes,,,,N/A,Referral,2012-05-17,Closed without relief,Yes,No,CR0081019,1270
2012-05-17,Credit card,,Billing disputes,,,,N/A,Referral,2012-05-17,Closed with explanation,No,No,CR0045305,352
2012-05-17,Credit card,,Collection practices,,,,N/A,Referral,2012-05-29,Closed with non-monetary relief,Yes,No,CR0080856,4073
2012-05-17,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-05-29,Closed with non-monetary relief,Yes,Yes,CR0080982,11034
2012-05-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-05-29,Closed with explanation,Yes,No,CR0082380,3273
2012-05-17,Credit card,,Payoff process,,,,N/A,Referral,2012-05-18,Closed without relief,Yes,No,CR0038850,2351
2012-05-17,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-17,Closed with explanation,Yes,No,CR0080879,2668
2012-05-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-05-18,Closed without relief,Yes,No,CR0080537,3609
2012-05-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-25,Closed with explanation,No,No,CR0080593,9418
2012-05-17,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2012-05-24,Closed with monetary relief,Yes,No,CR0080659,9642
2012-05-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-05-26,Closed with non-monetary relief,Yes,No,CR0080837,588
2012-05-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-05-17,Closed without relief,Yes,No,CR0080995,1876
2012-05-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-22,Closed with relief,Yes,No,CR0082428,8611
2012-05-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-21,Closed with explanation,Yes,No,CR0038876,13590
2012-05-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-05-17,Closed without relief,Yes,No,CR0081033,640
2012-05-17,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-05-24,Closed with explanation,Yes,No,CR0080759,4812
2012-05-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-25,Closed with non-monetary relief,Yes,Yes,CR0080606,2849
2012-05-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-05-29,Closed with explanation,Yes,Yes,CR0080707,3249
2012-05-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-18,Closed without relief,Yes,No,CR0038866,842
2012-05-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-05-21,Closed with relief,Yes,No,CR0038897,2941
2012-05-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-17,Closed without relief,Yes,No,CR0080482,2387
2012-05-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-18,Closed without relief,Yes,No,CR0080515,3908
2012-05-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-22,Closed with monetary relief,Yes,No,CR0080567,6115
2012-05-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-24,Closed without relief,Yes,Yes,CR0080465,427
2012-05-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-29,Closed with non-monetary relief,Yes,No,CR0080710,5134
2012-05-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-29,Closed with non-monetary relief,No,No,CR0080716,2752
2012-05-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-24,Closed with monetary relief,Yes,No,CR0080757,2353
2012-05-17,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-05-22,Closed without relief,Yes,No,CR0081060,1996
2012-05-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-24,Closed with monetary relief,Yes,No,CR0080475,4823
2012-05-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-18,Closed with relief,Yes,No,CR0080525,6691
2012-05-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-25,Closed with explanation,Yes,No,CR0080620,4363
2012-05-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-30,Closed with explanation,Yes,No,CR0080974,13924
2012-05-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-05-22,Closed with relief,Yes,No,CR0082432,5163
2012-05-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-05-21,Closed without relief,Yes,No,CR0038837,6077
2012-05-17,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2012-06-14,Closed with explanation,Yes,No,CR0038884,1596
2012-05-16,Credit card,,Other fee,,,,N/A,Referral,2012-05-16,Closed with monetary relief,No,No,CR0080309,9316
2012-05-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-18,Closed with relief,Yes,No,CR0079530,813
2012-05-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-05-17,Closed without relief,Yes,No,CR0079534,1983
2012-05-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-24,Closed without relief,Yes,No,CR0079688,1986
2012-05-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-18,Closed with relief,Yes,No,CR0079415,3203
2012-05-15,Credit card,,APR or interest rate,,,,N/A,Referral,2012-05-18,Closed without relief,Yes,No,CR0078052,1840
2012-05-15,Credit card,,Billing disputes,,,,N/A,Referral,2012-05-29,Closed with monetary relief,Yes,No,CR0078073,975
2012-05-15,Credit card,,Collection practices,,,,N/A,Referral,2012-05-22,Closed with relief,Yes,No,CR0038798,3184
2012-05-15,Credit card,,Transaction issue,,,,N/A,Referral,2012-05-22,Closed with relief,Yes,No,CR0079137,3624
2012-05-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-05-17,Closed without relief,Yes,No,CR0078182,830
2012-05-15,Credit card,,Other,,,,N/A,Referral,2012-05-15,Closed without relief,No,No,CR0066854,525
2012-05-15,Credit card,,APR or interest rate,,,,N/A,Referral,2012-05-15,Closed without relief,No,No,CR0077867,3188
2012-05-15,Credit card,,Payoff process,,,,N/A,Referral,2012-05-22,Closed with relief,Yes,No,CR0038809,5374
2012-05-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-05-15,Closed with explanation,No,No,CR0079250,2077
2012-05-15,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-05-15,Closed without relief,Yes,No,CR0077315,734
2012-05-15,Credit card,,Collection practices,,,,N/A,Referral,2012-05-15,Closed without relief,No,No,CR0077904,1940
2012-05-15,Credit card,,APR or interest rate,,,,N/A,Referral,2012-05-17,Closed without relief,Yes,No,CR0078009,9582
2012-05-15,Credit card,,Credit reporting,,,,N/A,Referral,2012-05-18,Closed with relief,Yes,No,CR0078287,530
2012-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-21,Closed with relief,Yes,No,CR0078087,2452
2012-05-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-06-01,Closed with explanation,Yes,No,CR0038729,3326
2012-05-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-05-18,Closed with relief,Yes,No,CR0078732,2329
2012-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-18,Closed without relief,Yes,No,CR0078015,2184
2012-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-18,Closed with relief,Yes,No,CR0078059,386
2012-05-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-05-16,Closed,No,No,CR0078145,2140
2012-05-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-05-22,Closed without relief,Yes,No,CR0078366,4509
2012-05-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-05-16,Closed with relief,Yes,No,CR0038823,2382
2012-05-15,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-05-23,Closed with explanation,No,No,CR0078393,3903
2012-05-15,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-06-21,Closed with explanation,Yes,No,CR0078982,5243
2012-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-23,Closed without relief,Yes,No,CR0078867,905
2012-05-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-22,Closed without relief,Yes,No,CR0038772,3478
2012-05-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-05-15,Closed without relief,Yes,No,CR0077896,3524
2012-05-15,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-05-24,Closed with explanation,No,No,CR0038801,2663
2012-05-15,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-05-16,Closed with relief,Yes,No,CR0078208,737
2012-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-23,Closed with relief,Yes,No,CR0078256,2818
2012-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-15,Closed with relief,Yes,No,CR0078880,157
2012-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-15,Closed without relief,Yes,No,CR0079190,2215
2012-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-21,Closed with relief,Yes,No,CR0078307,2176
2012-05-15,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-05-15,Closed with explanation,Yes,No,CR0077910,1331
2012-05-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-22,Closed with explanation,Yes,No,CR0078350,1248
2012-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-06-02,Closed with monetary relief,Yes,No,CR0078865,3045
2012-05-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-05-15,Closed without relief,Yes,Yes,CR0078913,4131
2012-05-14,Credit card,,APR or interest rate,,,,N/A,Referral,2012-05-15,Closed with relief,Yes,No,CR0077288,2088
2012-05-14,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-05-16,Closed without relief,Yes,No,CR0077498,4412
2012-05-14,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-05-16,Closed with relief,Yes,No,CR0077410,9680
2012-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-14,Closed without relief,Yes,No,CR0077646,3360
2012-05-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-15,Closed without relief,Yes,No,CR0077324,3404
2012-05-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-09-24,Closed with explanation,Yes,No,CR0077406,2743
2012-05-14,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-05-16,Closed with relief,Yes,Yes,CR0077372,2548
2012-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-15,Closed without relief,Yes,Yes,CR0077310,1660
2012-05-14,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-05-14,Closed without relief,Yes,No,CR0077543,2095
2012-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-16,Closed without relief,Yes,No,CR0077420,3900
2012-05-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-09-24,Closed with explanation,Yes,Yes,CR0077390,1141
2012-05-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-15,Closed without relief,Yes,No,CR0077643,3966
2012-05-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-05-15,Closed without relief,Yes,Yes,CR0077510,2028
2012-05-11,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-05-18,Closed without relief,Yes,No,CR0038712,1629
2012-05-11,Credit card,,Other fee,,,,N/A,Referral,2012-09-24,Closed with explanation,Yes,No,CR0075575,4173
2012-05-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-17,Closed without relief,Yes,No,CR0038703,2386
2012-05-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-11,Closed without relief,Yes,No,CR0075701,2969
2012-05-11,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Referral,2012-05-14,Closed without relief,Yes,No,CR0077102,4714
2012-05-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-17,Closed without relief,Yes,No,CR0038690,534
2012-05-10,Credit card,,Credit reporting,,,,N/A,Referral,2012-05-16,Closed without relief,Yes,No,CR0038621,2606
2012-05-10,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-09-11,Closed with explanation,Yes,Yes,CR0038617,125
2012-05-09,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-05-09,Closed without relief,Yes,No,CR0073886,2547
2012-05-09,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-05-09,Closed with relief,Yes,No,CR0074141,6042
2012-05-09,Credit card,,Billing disputes,,,,N/A,Referral,2012-05-09,Closed without relief,Yes,No,CR0074399,3312
2012-05-09,Credit card,,Transaction issue,,,,N/A,Referral,2012-05-09,Closed without relief,Yes,No,CR0073880,6610
2012-05-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-09,Closed without relief,Yes,No,CR0033081,10350
2012-05-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-09,Closed with relief,Yes,No,CR0063411,4292
2012-05-09,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-05-09,Closed without relief,Yes,No,CR0074287,2078
2012-05-09,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-09,Closed without relief,Yes,Yes,CR0073888,2087
2012-05-08,Credit card,,Billing statement,,,,N/A,Referral,2012-05-22,Closed without relief,Yes,No,CR0073542,5111
2012-05-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Referral,2012-05-08,Closed without relief,Yes,Yes,CR0073385,2719
2012-05-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-14,Closed with relief,Yes,No,CR0038534,478
2012-05-08,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2012-05-10,Closed with relief,No,Yes,CR0038538,126
2012-05-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-08,Closed without relief,No,No,CR0073002,3742
2012-05-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-08,Closed with relief,Yes,Yes,CR0073553,1760
2012-05-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-08,Closed with relief,Yes,No,CR0073492,3509
2012-05-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-08,Closed without relief,Yes,Yes,CR0072984,3566
2012-05-07,Credit card,,APR or interest rate,,,,N/A,Referral,2012-06-11,Closed with explanation,Yes,No,CR0073488,4783
2012-05-07,Credit card,,Billing disputes,,,,N/A,Referral,2012-05-07,Closed with relief,Yes,No,CR0072148,2745
2012-05-07,Credit card,,APR or interest rate,,,,N/A,Referral,2012-05-21,Closed with relief,Yes,No,CR0073412,236
2012-05-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-07,Closed with relief,No,No,CR0072528,8667
2012-05-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-05-07,Closed without relief,No,No,CR0072460,2006
2012-05-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-05-07,Closed with relief,Yes,No,CR0072040,3900
2012-05-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-08,Closed without relief,Yes,No,CR0073506,3477
2012-05-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-10,Closed with relief,Yes,No,CR0038515,1088
2012-05-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-07,Closed with relief,Yes,No,CR0072551,3133
2012-05-04,Credit card,,APR or interest rate,,,,N/A,Referral,2012-05-04,Closed without relief,Yes,No,CR0071177,11008
2012-05-04,Credit card,,Credit reporting,,,,N/A,Referral,2012-05-04,Closed with relief,Yes,Yes,CR0071103,3012
2012-05-04,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-07,Closed without relief,Yes,No,CR0071440,3821
2012-05-04,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Referral,2012-05-04,Closed without relief,Yes,No,CR0071312,2947
2012-05-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-04,Closed with relief,Yes,No,CR0070913,3537
2012-05-03,Credit card,,Credit determination,,,,N/A,Referral,2012-05-04,Closed with relief,Yes,No,CR0070448,533
2012-05-03,Credit card,,Other,,,,N/A,Referral,2012-05-03,Closed without relief,Yes,No,CR0070602,2004
2012-05-03,Credit card,,APR or interest rate,,,,N/A,Referral,2012-05-09,Closed with relief,Yes,No,CR0038510,418
2012-05-03,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-03,Closed with relief,No,No,CR0070134,3505
2012-05-03,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-03,Closed with relief,Yes,No,CR0070587,1368
2012-05-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-05-04,Closed with explanation,Yes,No,CR0062718,1260
2012-05-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-05-03,Closed with relief,Yes,No,CR0070064,1004
2012-05-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-03,Closed with relief,No,No,CR0070101,4301
2012-05-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-08-22,Closed with explanation,Yes,No,CR0070146,641
2012-05-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-05-03,Closed without relief,Yes,Yes,CR0070220,1169
2012-05-02,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-05-14,Closed with relief,Yes,Yes,CR0038494,55
2012-05-02,Credit card,,Other,,,,N/A,Referral,2012-05-02,Closed with relief,Yes,No,CR0069151,1394
2012-05-02,Credit card,,Billing disputes,,,,N/A,Referral,2012-05-08,Closed without relief,Yes,No,CR0073571,5240
2012-05-02,Credit card,,Other,,,,N/A,Referral,2012-05-02,Closed with relief,Yes,No,CR0069398,483
2012-05-02,Credit card,,Other fee,,,,N/A,Referral,2012-05-02,Closed with relief,Yes,No,CR0069785,3289
2012-05-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-08,Closed without relief,Yes,Yes,CR0073398,4661
2012-05-02,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-03,Closed with relief,Yes,No,CR0069484,4516
2012-05-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-02,Closed with relief,Yes,No,CR0069823,11755
2012-05-01,Credit card,,Late fee,,,Servicemember,N/A,Referral,2012-05-02,Closed with relief,Yes,No,CR0068490,7286
2012-05-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-01,Closed without relief,Yes,No,CR0068795,1288
2012-05-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-01,Closed,Yes,Yes,CR0068775,3388
2012-05-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-03,Closed without relief,Yes,No,CR0068739,4558
2012-05-01,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Referral,2012-05-01,Closed with relief,Yes,No,CR0068569,5141
2012-05-01,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-21,Closed with explanation,Yes,No,CR0028215,1994
2012-04-30,Credit card,,Other fee,,,,N/A,Referral,2012-04-30,Closed without relief,Yes,No,CR0067626,2830
2012-04-30,Credit card,,Other fee,,,,N/A,Referral,2012-04-30,Closed with relief,Yes,No,CR0067436,2970
2012-04-30,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-04-30,Closed with relief,Yes,No,CR0067970,1946
2012-04-30,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-30,Closed with relief,Yes,No,CR0067807,911
2012-04-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-04-30,Closed with relief,Yes,No,CR0067740,1269
2012-04-29,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-02,Closed without relief,Yes,No,CR0069170,3229
2012-04-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-01,Closed without relief,Yes,No,CR0068861,2490
2012-04-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-01,Closed,Yes,No,CR0068813,1703
2012-04-27,Credit card,,APR or interest rate,,,,N/A,Referral,2012-04-27,Closed with relief,Yes,Yes,CR0066518,4226
2012-04-27,Credit card,,Billing disputes,,,,N/A,Referral,2012-04-27,Closed without relief,Yes,No,CR0066556,459
2012-04-27,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-04-27,Closed without relief,No,Yes,CR0057873,2472
2012-04-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-04-27,Closed without relief,Yes,No,CR0066898,2465
2012-04-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-27,Closed without relief,Yes,No,CR0066512,2260
2012-04-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-27,Closed with relief,Yes,No,CR0066958,1663
2012-04-26,Credit card,,Credit reporting,,,,N/A,Referral,2012-05-03,Closed without relief,Yes,Yes,CR0070174,2264
2012-04-26,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-04-26,Closed without relief,Yes,No,CR0065990,1873
2012-04-26,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-05-08,Closed without relief,Yes,No,CR0070210,3269
2012-04-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-04-26,Closed with relief,Yes,Yes,CR0065667,2589
2012-04-26,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-26,Closed with relief,Yes,No,CR0065874,2528
2012-04-26,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2012-04-26,Closed without relief,Yes,No,CR0066006,3817
2012-04-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-27,Closed with relief,Yes,No,CR0066499,3161
2012-04-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-26,Closed,Yes,No,CR0066020,3267
2012-04-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-26,Closed with relief,Yes,Yes,CR0065842,331
2012-04-26,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-04-26,Closed,Yes,No,CR0066063,405
2012-04-25,Credit card,,Billing disputes,,,,N/A,Referral,2013-10-18,Closed with explanation,Yes,No,CR0065002,3138
2012-04-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-04-25,Closed with relief,Yes,No,CR0065162,227
2012-04-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-02,Closed with relief,Yes,Yes,CR0038429,4394
2012-04-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-25,Closed with relief,Yes,No,CR0065009,1286
2012-04-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-25,Closed with relief,Yes,No,CR0065032,4763
2012-04-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-25,Closed without relief,Yes,Yes,CR0064834,657
2012-04-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-25,Closed with relief,Yes,No,CR0064984,3934
2012-04-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-25,Closed without relief,Yes,No,CR0065007,5108
2012-04-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-25,Closed without relief,Yes,No,CR0065095,678
2012-04-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-03,Closed with relief,Yes,No,CR0038434,4802
2012-04-24,Credit card,,Other,,,,N/A,Referral,2012-04-24,Closed without relief,Yes,No,CR0064261,489
2012-04-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-24,Closed with relief,No,No,CR0064052,809
2012-04-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-24,Closed without relief,Yes,No,CR0064460,1923
2012-04-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-24,Closed without relief,Yes,No,CR0064200,608
2012-04-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-24,Closed with relief,Yes,No,CR0064165,1487
2012-04-24,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-24,Closed without relief,Yes,No,CR0064219,3015
2012-04-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-24,Closed with relief,Yes,No,CR0064408,4697
2012-04-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-26,Closed with non-monetary relief,Yes,No,CR0064582,6469
2012-04-24,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-04-24,Closed with relief,Yes,No,CR0063869,272
2012-04-23,Credit card,,Other,,,,N/A,Referral,2012-04-23,Closed without relief,No,Yes,CR0063232,386
2012-04-23,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-04-24,Closed without relief,Yes,No,CR0063986,11122
2012-04-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-24,Closed with relief,Yes,No,CR0038367,1738
2012-04-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-26,Closed with relief,Yes,Yes,CR0038345,4557
2012-04-23,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-04-24,Closed with relief,Yes,No,CR0038369,671
2012-04-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-26,Closed with relief,Yes,No,CR0038341,3565
2012-04-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-25,Closed with relief,Yes,No,CR0038366,2082
2012-04-20,Credit card,,APR or interest rate,,,,N/A,Referral,2012-04-20,Closed without relief,Yes,Yes,CR0061676,3689
2012-04-20,Credit card,,Collection practices,,,,N/A,Referral,2012-04-20,Closed with relief,Yes,No,CR0062597,2646
2012-04-20,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-04-20,Closed with relief,Yes,No,CR0042867,7127
2012-04-20,Credit card,,Sale of account,,,,N/A,Referral,2012-08-22,Closed with explanation,Yes,No,CR0061682,3163
2012-04-20,Credit card,,APR or interest rate,,,,N/A,Referral,2012-04-20,Closed without relief,Yes,No,CR0061626,2944
2012-04-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-20,Closed with relief,Yes,No,CR0062522,4741
2012-04-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-20,Closed with relief,Yes,No,CR0061778,12844
2012-04-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-20,Closed with relief,Yes,No,CR0061816,3322
2012-04-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-04-20,Closed with relief,Yes,No,CR0061760,5460
2012-04-19,Credit card,,APR or interest rate,,,,N/A,Referral,2012-04-19,Closed with relief,Yes,No,CR0061491,3138
2012-04-19,Credit card,,Other fee,,,,N/A,Referral,2012-04-20,Closed with relief,Yes,No,CR0061260,1809
2012-04-19,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-04-19,Closed without relief,Yes,No,CR0061471,3873
2012-04-19,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-04-19,Closed without relief,Yes,Yes,CR0061417,2328
2012-04-19,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-19,Closed without relief,Yes,No,CR0061057,1222
2012-04-19,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-20,Closed without relief,Yes,No,CR0062598,3931
2012-04-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-23,Closed without relief,Yes,Yes,CR0063408,2395
2012-04-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-24,Closed without relief,Yes,No,CR0038284,3302
2012-04-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-24,Closed without relief,Yes,No,CR0061924,3211
2012-04-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-04-20,Closed without relief,Yes,Yes,CR0061846,3752
2012-04-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-04-23,Closed without relief,Yes,No,CR0061223,2900
2012-04-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-23,Closed with relief,Yes,No,CR0063230,2946
2012-04-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-23,Closed,Yes,No,CR0038254,3345
2012-04-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-04-24,Closed with relief,Yes,No,CR0038282,12729
2012-04-18,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-04-18,Closed with relief,Yes,No,CR0060050,4229
2012-04-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-18,Closed with relief,Yes,No,CR0060221,903
2012-04-18,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Referral,2012-04-18,Closed with relief,Yes,No,CR0060371,961
2012-04-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-20,Closed with relief,Yes,No,CR0061982,4426
2012-04-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-18,Closed with relief,Yes,No,CR0060438,4497
2012-04-18,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Referral,2012-04-18,Closed with relief,Yes,No,CR0060252,3365
2012-04-17,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-04-17,Closed with relief,Yes,No,CR0059331,1564
2012-04-17,Credit card,,Other,,,,N/A,Referral,2012-04-17,Closed with relief,No,No,CR0059566,4755
2012-04-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-17,Closed with relief,Yes,No,CR0059419,5149
2012-04-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-17,Closed with relief,Yes,No,CR0059754,1313
2012-04-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-17,Closed with relief,Yes,No,CR0059118,2401
2012-04-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-17,Closed with explanation,No,No,CR0059230,2030
2012-04-16,Credit card,,Credit reporting,,,,N/A,Referral,2012-04-16,Closed without relief,Yes,No,CR0058725,1226
2012-04-16,Credit card,,APR or interest rate,,,,N/A,Referral,2012-04-16,Closed with relief,Yes,No,CR0058519,130
2012-04-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-04-18,Closed with relief,Yes,No,CR0038181,3257
2012-04-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-16,Closed with relief,Yes,No,CR0058570,7772
2012-04-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-18,Closed with relief,Yes,No,CR0058680,1877
2012-04-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-16,Closed with relief,Yes,No,CR0058753,5565
2012-04-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-17,Closed without relief,Yes,Yes,CR0058762,2147
2012-04-16,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-04-17,Closed,No,No,CR0038187,5253
2012-04-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-16,Closed with relief,Yes,No,CR0058400,2837
2012-04-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-18,Closed with relief,Yes,No,CR0058692,1504
2012-04-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-23,Closed with relief,Yes,No,CR0038236,1419
2012-04-13,Credit card,,APR or interest rate,,,,N/A,Referral,2012-04-13,Closed without relief,Yes,Yes,CR0057590,13451
2012-04-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-04-13,Closed without relief,No,No,CR0064698,751
2012-04-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-26,Closed without relief,Yes,No,CR0057700,12662
2012-04-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-19,Closed without relief,Yes,No,CR0057826,314
2012-04-12,Credit card,,Billing disputes,,,,N/A,Referral,2012-04-12,Closed without relief,Yes,No,CR0056598,3163
2012-04-12,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-04-12,Closed,Yes,No,CR0056352,3205
2012-04-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-04-23,Closed with relief,Yes,No,CR0056825,991
2012-04-12,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2012-04-12,Closed without relief,No,No,CR0056427,2685
2012-04-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-04-12,Closed without relief,Yes,No,CR0056586,1464
2012-04-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-12,Closed with relief,Yes,No,CR0056678,2580
2012-04-12,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-12,Closed with relief,Yes,No,CR0056835,13469
2012-04-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-13,Closed with relief,Yes,No,CR0038139,2327
2012-04-11,Credit card,,Billing disputes,,,,N/A,Referral,2012-04-16,Closed without relief,Yes,No,CR0039623,2142
2012-04-11,Credit card,,Late fee,,,,N/A,Referral,2012-04-13,Closed with relief,Yes,No,CR0039668,1108
2012-04-11,Credit card,,Credit reporting,,,,N/A,Referral,2012-04-11,Closed without relief,Yes,No,CR0055280,916
2012-04-11,Credit card,,APR or interest rate,,,,N/A,Referral,2012-04-11,Closed without relief,Yes,Yes,CR0055602,2597
2012-04-11,Credit card,,Rewards,,,,N/A,Referral,2012-04-11,Closed with relief,Yes,Yes,CR0054932,2705
2012-04-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-19,Closed without relief,Yes,No,CR0039685,4505
2012-04-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-16,Closed without relief,Yes,Yes,CR0039620,4369
2012-04-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-11,Closed without relief,Yes,No,CR0055721,2432
2012-04-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-11,Closed without relief,Yes,No,CR0055184,502
2012-04-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-11,Closed with relief,Yes,No,CR0055246,1909
2012-04-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-17,Closed with relief,Yes,No,CR0039657,3611
2012-04-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-17,Closed without relief,Yes,Yes,CR0039646,2671
2012-04-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-11,Closed with relief,Yes,No,CR0055831,3515
2012-04-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-11,Closed without relief,Yes,Yes,CR0055853,1439
2012-04-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-12,Closed without relief,Yes,No,CR0056459,1943
2012-04-10,Credit card,,Rewards,,,,N/A,Referral,2012-04-10,Closed without relief,Yes,No,CR0053757,3996
2012-04-10,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-04-10,Closed with relief,No,Yes,CR0053842,1001
2012-04-10,Credit card,,APR or interest rate,,,,N/A,Referral,2012-04-10,Closed without relief,Yes,No,CR0054356,4453
2012-04-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-10,Closed without relief,Yes,No,CR0054388,2926
2012-04-10,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-10,Closed with relief,Yes,No,CR0054075,4765
2012-04-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-11,Closed without relief,Yes,No,CR0055377,4796
2012-04-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-04-11,Closed with relief,Yes,No,CR0055768,3412
2012-04-09,Credit card,,Transaction issue,,,,N/A,Referral,2012-04-09,Closed without relief,Yes,No,CR0044940,9362
2012-04-09,Credit card,,APR or interest rate,,,,N/A,Referral,2012-04-09,Closed with relief,Yes,No,CR0016985,1955
2012-04-09,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-05-09,Closed with relief,Yes,No,CR0045130,910
2012-04-09,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-04-09,Closed with relief,Yes,No,CR0044938,341
2012-04-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-09,Closed with relief,Yes,No,CR0045041,732
2012-04-09,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Referral,2012-04-11,Closed with relief,Yes,Yes,CR0045071,603
2012-04-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-09,Closed with relief,No,No,CR0044963,10076
2012-04-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-09,Closed without relief,Yes,Yes,CR0039582,12577
2012-04-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-09,Closed without relief,Yes,No,CR0045065,4340
2012-04-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-23,Closed with relief,Yes,No,CR0056443,3772
2012-04-06,Credit card,,Billing disputes,,,,N/A,Referral,2012-04-06,Closed with relief,Yes,No,CR0044644,5774
2012-04-06,Credit card,,Credit reporting,,,,N/A,Referral,2012-04-06,Closed without relief,Yes,No,CR0044705,529
2012-04-06,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-04-09,Closed without relief,Yes,No,CR0044611,3412
2012-04-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-06,Closed with relief,Yes,No,CR0044665,2984
2012-04-05,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-04-05,Closed without relief,Yes,No,CR0044322,207
2012-04-05,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-04-06,Closed without relief,Yes,No,CR0044398,4595
2012-04-05,Credit card,,Credit determination,,,,N/A,Referral,2012-04-06,Closed without relief,Yes,No,CR0039562,4280
2012-04-05,Credit card,,Credit reporting,,,,N/A,Referral,2012-04-05,Closed without relief,Yes,Yes,CR0036583,11875
2012-04-05,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-04-20,Closed without relief,No,No,CR0013131,91
2012-04-05,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-04-05,Closed with relief,Yes,No,CR0044308,2110
2012-04-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-05,Closed with relief,Yes,No,CR0039535,1727
2012-04-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-05-25,Closed with explanation,No,No,CR0039537,1643
2012-04-04,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-04-04,Closed without relief,Yes,No,CR0044048,467
2012-04-04,Credit card,,APR or interest rate,,,,N/A,Referral,2012-04-06,Closed without relief,Yes,No,CR0039453,3865
2012-04-04,Credit card,,Other,,,,N/A,Referral,2012-04-04,Closed without relief,Yes,Yes,CR0043891,3004
2012-04-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-06,Closed with relief,Yes,No,CR0043992,2930
2012-04-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-06,Closed without relief,Yes,No,CR0044070,2263
2012-04-04,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2012-04-05,Closed with relief,Yes,No,CR0039470,11855
2012-04-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-11,Closed with relief,Yes,No,CR0039495,3159
2012-04-04,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-04-06,Closed without relief,Yes,No,CR0043934,3624
2012-04-03,Credit card,,Billing statement,,,,N/A,Referral,2012-04-03,Closed without relief,Yes,No,CR0043588,1629
2012-04-03,Credit card,,Credit reporting,,,,N/A,Referral,2012-04-03,Closed without relief,Yes,No,CR0043646,3710
2012-04-03,Credit card,,Billing disputes,,,,N/A,Referral,2012-04-03,Closed without relief,Yes,No,CR0043720,4329
2012-04-02,Credit card,,Credit reporting,,,,N/A,Referral,2012-04-02,Closed with relief,Yes,No,CR0043307,3300
2012-04-02,Credit card,,APR or interest rate,,,,N/A,Referral,2012-04-23,Closed without relief,No,No,CR0027711,1159
2012-04-02,Credit card,,Balance transfer,,,,N/A,Referral,2012-04-02,Closed with relief,Yes,No,CR0043403,1117
2012-04-02,Credit card,,Forbearance / Workout plans,,,,N/A,Referral,2012-04-02,Closed with relief,Yes,No,CR0043444,4065
2012-04-02,Credit card,,Credit reporting,,,,N/A,Referral,2012-04-19,Closed without relief,Yes,No,CR0027705,1089
2012-04-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-03,Closed without relief,Yes,Yes,CR0043432,985
2012-04-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-04,Closed without relief,Yes,No,CR0039408,1309
2012-04-02,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-04,Closed with relief,Yes,No,CR0039403,12843
2012-03-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-05-14,Closed with relief,Yes,Yes,CR0039336,744
2012-03-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-10,Closed with relief,Yes,No,CR0039351,5013
2012-03-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-10,Closed with relief,Yes,No,CR0039356,2175
2012-03-29,Credit card,,Billing disputes,,,,N/A,Referral,2012-03-29,Closed with relief,Yes,No,CR0042439,13447
2012-03-29,Credit card,,Billing disputes,,,,N/A,Referral,2012-04-10,Closed without relief,Yes,No,CR0039279,3622
2012-03-29,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Referral,2012-04-03,Closed with relief,Yes,No,CR0042739,4457
2012-03-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-04-03,Closed with relief,Yes,No,CR0039288,4458
2012-03-28,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-03-28,Closed without relief,Yes,No,CR0033200,11598
2012-03-28,Credit card,,Rewards,,,,N/A,Referral,2012-03-28,Closed without relief,Yes,No,CR0042261,3895
2012-03-27,Credit card,,Billing disputes,,,,N/A,Referral,2012-03-29,Closed with relief,Yes,No,CR0041577,2230
2012-03-27,Credit card,,APR or interest rate,,,,N/A,Referral,2012-03-28,Closed with relief,Yes,No,CR0042033,1492
2012-03-27,Credit card,,APR or interest rate,,,,N/A,Referral,2012-03-27,Closed with relief,Yes,No,CR0041441,204
2012-03-27,Credit card,,Billing statement,,,,N/A,Referral,2012-03-27,Closed with relief,Yes,No,CR0041566,60
2012-03-27,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-03-27,Closed without relief,Yes,Yes,CR0041580,788
2012-03-27,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Referral,2012-03-28,Closed with relief,Yes,No,CR0042062,1887
2012-03-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-03-29,Closed with relief,Yes,No,CR0042455,796
2012-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-10-25,Closed with monetary relief,Yes,No,CR0039210,12221
2012-03-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Referral,2012-03-28,Closed with relief,Yes,No,CR0042159,2956
2012-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-03-28,Closed with relief,Yes,No,CR0042207,3954
2012-03-26,Credit card,,Collection practices,,,,N/A,Referral,2012-03-26,Closed with relief,Yes,No,CR0041259,4489
2012-03-26,Credit card,,Billing disputes,,,,N/A,Referral,2012-03-26,Closed with relief,Yes,No,CR0041048,1856
2012-03-26,Credit card,,Credit reporting,,,,N/A,Referral,2012-03-28,Closed without relief,Yes,No,CR0081914,6175
2012-03-26,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-03-26,Closed without relief,Yes,No,CR0040822,74
2012-03-26,Credit card,,Other fee,,,,N/A,Referral,2012-03-27,Closed with relief,Yes,No,CR0040700,1630
2012-03-26,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-05-14,Untimely response,No,,CR0040741,3869
2012-03-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-03-27,Closed with relief,Yes,No,CR0040707,3922
2012-03-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-02,Closed with relief,Yes,Yes,CR0039128,2516
2012-03-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2012-05-15,Closed without relief,Yes,No,CR0039154,2006
2012-03-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-03-26,Closed with relief,Yes,,CR0040940,1243
2012-03-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-04,Closed with relief,Yes,No,CR0039158,777
2012-03-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-03-27,Closed with relief,Yes,No,CR0040750,949
2012-03-25,Credit card,,Late fee,,,,N/A,Referral,2012-04-05,Closed with relief,Yes,No,CR0040742,5873
2012-03-25,Credit card,,Credit reporting,,,,N/A,Referral,2012-03-27,Closed without relief,Yes,No,CR0040716,9217
2012-03-23,Credit card,,Balance transfer,,,,N/A,Referral,2012-03-28,Closed with relief,No,No,CR0040383,4927
2012-03-23,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-04-02,Closed with relief,Yes,No,CR0033409,2721
2012-03-23,Credit card,,Billing disputes,,,,N/A,Referral,2012-03-27,Closed without relief,Yes,No,CR0035281,977
2012-03-22,Credit card,,Credit reporting,,,,N/A,Referral,2012-03-28,Closed without relief,No,Yes,CR0039055,5384
2012-03-22,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-03-22,Closed without relief,Yes,No,CR0039963,3023
2012-03-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-03-26,Closed with relief,Yes,No,CR0039046,3404
2012-03-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2012-10-25,Closed with explanation,Yes,No,CR0039036,4610
2012-03-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-05,Closed with relief,Yes,No,CR0039039,4445
2012-03-21,Credit card,,APR or interest rate,,,,N/A,Referral,2012-03-21,Closed with relief,Yes,No,CR0017747,3284
2012-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-04-26,Closed without relief,Yes,No,CR0017794,4164
2012-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-03-23,Closed with relief,Yes,No,CR0017798,4524
2012-03-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-03-28,Closed without relief,Yes,No,CR0039813,4588
2012-03-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-03-21,Closed with relief,Yes,No,CR0017766,9346
2012-03-20,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-03-20,Closed without relief,Yes,No,CR0037457,10777
2012-03-20,Credit card,,Billing disputes,,,,N/A,Referral,2012-03-20,Closed with relief,Yes,No,CR0017718,4656
2012-03-20,Credit card,,Billing disputes,,,,N/A,Referral,2012-03-21,Closed with relief,Yes,Yes,CR0017734,15
2012-03-20,Credit card,,Rewards,,,,N/A,Referral,2012-03-20,Closed with relief,Yes,No,CR0037402,1564
2012-03-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-03-20,Closed with relief,Yes,No,CR0017728,4820
2012-03-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-03-20,Closed without relief,Yes,No,CR0037257,2619
2012-03-19,Credit card,,Overlimit fee,,,,N/A,Referral,2012-03-22,Closed with relief,Yes,No,CR0017706,13
2012-03-19,Credit card,,Credit reporting,,,,N/A,Referral,2012-03-19,Closed without relief,Yes,No,CR0036658,4284
2012-03-19,Credit card,,APR or interest rate,,,,N/A,Referral,2012-03-21,Closed with relief,Yes,No,CR0036834,2841
2012-03-19,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-03-20,Closed with relief,Yes,No,CR0036885,654
2012-03-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-03-22,Closed without relief,Yes,No,CR0017682,194
2012-03-19,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-03-21,Closed with relief,Yes,Yes,CR0017698,3584
2012-03-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-03-21,Closed with relief,Yes,No,CR0017678,1822
2012-03-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-03-21,Closed with relief,Yes,No,CR0017699,4472
2012-03-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-03-22,Closed with relief,Yes,Yes,CR0017709,3101
2012-03-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-03-21,Closed with relief,No,No,CR0017679,1316
2012-03-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Servicemember,N/A,Referral,2012-03-19,Closed with relief,No,Yes,CR0036477,3775
2012-03-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-03-16,Closed with relief,Yes,Yes,CR0036174,4159
2012-03-15,Credit card,,Credit reporting,,,,N/A,Referral,2012-03-15,Closed with relief,Yes,No,CR0034046,3199
2012-03-15,Credit card,,Credit reporting,,,,N/A,Referral,2012-03-21,Closed without relief,Yes,Yes,CR0017669,1364
2012-03-15,Credit card,,Credit determination,,,,N/A,Referral,2012-03-15,Closed without relief,Yes,No,CR0035655,4415
2012-03-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-03-20,Closed with relief,Yes,No,CR0017638,183
2012-03-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-03-22,Closed with relief,Yes,No,CR0017673,1129
2012-03-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-04-09,Closed with relief,Yes,No,CR0017626,9276
2012-03-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-04-02,Closed with relief,Yes,No,CR0017628,1331
2012-03-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-03-16,Closed with relief,Yes,No,CR0017574,1778
2012-03-14,Credit card,,Rewards,,,,N/A,Referral,2012-03-14,Closed with relief,Yes,No,CR0035323,211
2012-03-14,Credit card,,Billing disputes,,,,N/A,Referral,2012-03-14,Closed with relief,Yes,No,CR0035263,963
2012-03-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-03-16,Closed without relief,Yes,No,CR0017567,4177
2012-03-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-03-14,Closed with relief,Yes,No,CR0034918,3592
2012-03-13,Credit card,,Billing statement,,,,N/A,Referral,2012-03-14,Closed with relief,Yes,No,CR0035338,916
2012-03-13,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-03-13,Closed without relief,Yes,No,CR0034260,3017
2012-03-13,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-03-13,Closed with relief,Yes,Yes,CR0020763,4086
2012-03-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-03-14,Closed with relief,Yes,No,CR0035076,1836
2012-03-12,Credit card,,Transaction issue,,,,N/A,Referral,2012-04-17,Closed with relief,Yes,No,CR0033967,9274
2012-03-12,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-03-18,Closed without relief,Yes,No,CR0036136,148
2012-03-12,Credit card,,APR or interest rate,,,,N/A,Referral,2012-03-14,Closed with relief,Yes,No,CR0034983,3907
2012-03-12,Credit card,,Credit reporting,,,,N/A,Referral,2012-03-19,Closed without relief,Yes,No,CR0017479,2913
2012-03-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-03-28,Closed with relief,Yes,No,CR0017520,2815
2012-03-12,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Referral,2012-03-20,Untimely response,No,,CR0017425,4586
2012-03-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-03-21,Closed with relief,Yes,No,CR0017448,2983
2012-03-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-03-21,Closed with relief,Yes,No,CR0017454,2327
2012-03-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Referral,2012-03-28,Closed with relief,Yes,No,CR0017518,3182
2012-03-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-03-20,Closed with relief,Yes,No,CR0017491,3472
2012-03-11,Credit card,,Transaction issue,,,,N/A,Referral,2012-03-15,Closed without relief,Yes,No,CR0033575,4727
2012-03-11,Credit card,,Transaction issue,,,,N/A,Referral,2012-03-15,Closed without relief,Yes,No,CR0033585,5050
2012-03-11,Credit card,,Billing disputes,,,,N/A,Referral,2012-03-12,Closed with relief,Yes,No,CR0033596,3477
2012-03-11,Credit card,,Credit reporting,,,,N/A,Referral,2012-03-15,Closed without relief,Yes,Yes,CR0033589,1847
2012-03-11,Credit card,,Late fee,,,,N/A,Referral,2012-03-16,Closed with relief,Yes,No,CR0033564,376
2012-03-11,Credit card,,Transaction issue,,,,N/A,Referral,2012-03-22,Closed without relief,Yes,No,CR0027710,4433
2012-03-11,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-03-22,Closed without relief,Yes,No,CR0066051,4280
2012-03-11,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-03-13,Closed with relief,Yes,No,CR0033644,3514
2012-03-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-03-25,Closed with relief,Yes,No,CR0033631,921
2012-03-10,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Referral,2012-04-18,Closed with relief,Yes,,CR0033363,2310
2012-03-09,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-03-09,Closed without relief,Yes,Yes,CR0032853,2084
2012-03-09,Credit card,,Credit line increase/decrease,,,Older American,N/A,Referral,2012-03-12,Closed with relief,Yes,No,CR0033202,2717
2012-03-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-03-27,Closed without relief,Yes,,CR0033027,906
2012-03-08,Credit card,,Other,,,,N/A,Referral,2012-03-08,Closed without relief,Yes,No,CR0032559,4134
2012-03-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Referral,2012-08-22,Closed with explanation,Yes,No,CR0032800,596
2012-03-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-03-15,Closed with relief,Yes,,CR0032368,3166
2012-03-07,Credit card,,Billing disputes,,,,N/A,Referral,2012-03-09,Closed without relief,Yes,No,CR0031412,3250
2012-03-07,Credit card,,Forbearance / Workout plans,,,,N/A,Referral,2012-03-09,Closed without relief,Yes,No,CR0031397,3599
2012-03-07,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-03-07,Closed with relief,Yes,No,CR0031836,4144
2012-03-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-03-14,Closed with relief,Yes,Yes,CR0034919,3687
2012-03-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-03-27,Closed with relief,Yes,Yes,CR0017407,430
2012-03-06,Credit card,,Late fee,,,,N/A,Referral,2012-03-06,Closed without relief,Yes,No,CR0031151,4530
2012-03-06,Credit card,,Other,,,,N/A,Referral,2012-03-06,Closed with relief,Yes,No,CR0030865,3898
2012-03-06,Credit card,,Billing disputes,,,,N/A,Referral,2012-03-06,Closed without relief,Yes,Yes,CR0031234,4119
2012-03-06,Credit card,,Unsolicited issuance of credit card,,,,N/A,Referral,2012-03-06,Closed without relief,Yes,No,CR0031146,4400
2012-03-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Referral,2012-03-09,Closed with relief,Yes,No,CR0033111,2125
2012-03-05,Credit card,,Billing disputes,,,,N/A,Referral,2012-03-05,Closed with relief,Yes,No,CR0030076,4728
2012-03-05,Credit card,,Billing disputes,,,,N/A,Referral,2012-03-07,Closed without relief,Yes,No,CR0031678,2344
2012-03-05,Credit card,,Transaction issue,,,,N/A,Referral,2012-03-07,Closed without relief,Yes,No,CR0027731,277
2012-03-05,Credit card,,APR or interest rate,,,,N/A,Referral,2012-03-05,Closed without relief,Yes,Yes,CR0030334,4536
2012-03-05,Credit card,,Collection practices,,,,N/A,Referral,2012-03-06,Closed without relief,Yes,No,CR0027719,7390
2012-03-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Referral,2012-03-05,Closed without relief,Yes,No,CR0030176,11121
2012-03-02,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-03-08,Closed without relief,Yes,No,CR0015991,3587
2012-03-02,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-03-02,Closed without relief,Yes,No,CR0029333,11866
2012-03-02,Credit card,,Forbearance / Workout plans,,,,N/A,Referral,2012-03-02,Closed with relief,Yes,No,CR0029379,4041
2012-03-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-03-06,Closed without relief,Yes,No,CR0031045,4916
2012-03-01,Credit card,,Collection practices,,,,N/A,Referral,2012-03-01,Closed without relief,Yes,No,CR0028780,457
2012-03-01,Credit card,,Forbearance / Workout plans,,,,N/A,Referral,2012-03-01,Closed without relief,Yes,Yes,CR0028782,217
2012-03-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-03-01,Closed without relief,Yes,No,CR0028707,1650
2012-03-01,Credit card,,Billing disputes,,,,N/A,Referral,2012-03-01,Closed with relief,Yes,No,CR0028830,4731
2012-03-01,Credit card,,APR or interest rate,,,,N/A,Referral,2012-03-01,Closed with relief,Yes,No,CR0029032,4708
2012-03-01,Credit card,,Billing disputes,,,,N/A,Referral,2012-03-01,Closed without relief,Yes,Yes,CR0029042,1692
2012-03-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Referral,2012-03-01,Closed with relief,Yes,No,CR0028998,3646
2012-02-29,Credit card,,APR or interest rate,,,,N/A,Referral,2012-02-29,Closed with relief,Yes,No,CR0028571,3697
2012-02-29,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-02-29,Closed with relief,Yes,No,CR0028568,3459
2012-02-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-02-29,Closed with relief,Yes,No,CR0028178,4226
2012-02-29,Credit card,,Other,,,,N/A,Referral,2012-02-29,Closed without relief,Yes,No,CR0028509,243
2012-02-29,Credit card,,Other,,,,N/A,Referral,2012-02-29,Closed with relief,Yes,No,CR0028495,9872
2012-02-28,Credit card,,Other,,,,N/A,Referral,2012-02-28,Closed without relief,Yes,No,CR0027455,2776
2012-02-28,Credit card,,Rewards,,,,N/A,Referral,2012-02-28,Closed with relief,Yes,No,CR0027462,3518
2012-02-28,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-02-28,Closed with relief,Yes,No,CR0027446,1082
2012-02-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-02-27,Closed without relief,Yes,No,CR0027313,2837
2012-02-24,Credit card,,Billing disputes,,,,N/A,Referral,2012-02-24,Closed without relief,Yes,Yes,CR0065720,1542
2012-02-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-02-24,Closed without relief,Yes,No,CR0026534,1800
2012-02-23,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2012-02-28,Closed with relief,Yes,No,CR0027388,5354
2012-02-23,Credit card,,Billing disputes,,,,N/A,Referral,2012-02-24,Closed without relief,Yes,No,CR0026030,3272
2012-02-22,Credit card,,APR or interest rate,,,,N/A,Referral,2012-02-22,Closed without relief,No,No,CR0025690,2684
2012-02-20,Credit card,,Credit reporting,,,,N/A,Referral,2012-02-21,Closed with relief,Yes,No,CR0024938,369
2012-02-19,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-02-22,Closed without relief,No,No,CR0024884,799
2012-02-18,Credit card,,Billing disputes,,,,N/A,Referral,2012-02-22,Closed with relief,Yes,No,CR0024821,11637
2012-02-17,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-02-17,Closed with relief,Yes,No,CR0024650,2755
2012-02-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-02-17,Closed without relief,Yes,No,CR0024490,4601
2012-02-16,Credit card,,Credit reporting,,,,N/A,Referral,2012-02-16,Closed without relief,Yes,No,CR0022298,4539
2012-02-16,Credit card,,APR or interest rate,,,,N/A,Referral,2012-02-22,Closed without relief,Yes,No,CR0025663,1893
2012-02-15,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-02-15,Closed without relief,Yes,No,CR0023763,936
2012-02-15,Credit card,,Credit reporting,,,,N/A,Referral,2012-02-23,Closed without relief,Yes,No,CR0025815,3813
2012-02-15,Credit card,,Collection debt dispute,,,,N/A,Referral,2012-02-15,Closed without relief,Yes,No,CR0023803,1041
2012-02-15,Credit card,,Transaction issue,,,,N/A,Referral,2012-02-17,Closed with relief,No,No,CR0023858,5618
2012-02-14,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-05-30,Closed with non-monetary relief,Yes,No,CR0023410,4300
2012-02-10,Credit card,,Payoff process,,,"Older American, Servicemember",N/A,Referral,2012-02-14,Closed with relief,Yes,No,CR0022323,3779
2012-02-10,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-02-10,Untimely response,No,,CR0022629,3255
2012-02-09,Credit card,,Payoff process,,,,N/A,Referral,2012-02-09,Closed with relief,Yes,No,CR0021949,4671
2012-02-09,Credit card,,Balance transfer,,,,N/A,Referral,2012-02-09,Closed without relief,Yes,Yes,CR0021845,928
2012-02-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-02-09,Untimely response,No,,CR0021778,3696
2012-02-08,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-02-08,Closed without relief,Yes,No,CR0021432,2062
2012-02-07,Credit card,,Other,,,,N/A,Referral,2012-02-07,Closed with relief,Yes,No,CR0021323,704
2012-02-07,Credit card,,Balance transfer,,,,N/A,Referral,2012-02-08,Closed without relief,Yes,No,CR0021454,1532
2012-02-07,Credit card,,Balance transfer,,,,N/A,Referral,2012-02-14,Closed without relief,Yes,No,CR0021929,6967
2012-02-07,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-02-07,Untimely response,No,,CR0021269,2574
2012-02-07,Credit card,,Billing disputes,,,,N/A,Referral,2012-02-28,Closed with relief,Yes,No,CR0021940,13923
2012-02-07,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-02-07,Closed without relief,Yes,No,CR0008219,12643
2012-02-06,Credit card,,Credit reporting,,,,N/A,Referral,2012-02-06,Closed with relief,Yes,No,CR0020587,5413
2012-02-06,Credit card,,Billing disputes,,,,N/A,Referral,2012-02-06,Closed without relief,Yes,No,CR0060349,4714
2012-02-06,Credit card,,Credit reporting,,,,N/A,Referral,2012-02-06,Closed without relief,Yes,No,CR0020548,2514
2012-02-03,Credit card,,Other fee,,,,N/A,Referral,2012-02-07,Closed with relief,Yes,Yes,CR0021012,1606
2012-02-03,Credit card,,Billing disputes,,,,N/A,Referral,2012-02-03,Closed with relief,Yes,No,CR0020148,4301
2012-02-02,Credit card,,Billing disputes,,,,N/A,Referral,2012-02-02,Closed without relief,Yes,Yes,CR0019677,2885
2012-02-02,Credit card,,Billing disputes,,,,N/A,Referral,2012-02-02,Closed without relief,Yes,No,CR0019759,1131
2012-02-02,Credit card,,Collection practices,,,,N/A,Referral,2012-02-02,Closed without relief,Yes,No,CR0019961,1134
2012-02-01,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-02-01,Closed without relief,Yes,No,CR0019425,9340
2012-01-31,Credit card,,Balance transfer fee,,,,N/A,Referral,2012-01-31,Closed without relief,Yes,No,CR0018849,366
2012-01-31,Credit card,,Transaction issue,,,,N/A,Referral,2012-02-03,Closed without relief,Yes,No,CR0019005,1083
2012-01-31,Credit card,,Billing statement,,,,N/A,Referral,2012-01-31,Closed with relief,Yes,No,CR0018838,4250
2012-01-31,Credit card,,Billing statement,,,,N/A,Referral,2012-01-31,Closed with relief,Yes,No,CR0018826,59
2012-01-30,Credit card,,Collection practices,,,,N/A,Referral,2012-01-30,Closed with relief,Yes,No,CR0018368,3449
2012-01-27,Credit card,,Forbearance / Workout plans,,,,N/A,Referral,2012-02-02,Closed with relief,No,No,CR0018807,4682
2012-01-27,Credit card,,Other fee,,,,N/A,Referral,2012-01-31,Closed with relief,Yes,No,CR0018102,4757
2012-01-26,Credit card,,Billing disputes,,,,N/A,Referral,2012-01-26,Closed with relief,Yes,No,CR0017266,3569
2012-01-26,Credit card,,Payoff process,,,,N/A,Referral,2012-01-26,Closed with relief,Yes,No,CR0016472,433
2012-01-26,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-01-26,Closed with relief,Yes,No,CR0017135,3218
2012-01-26,Credit card,,APR or interest rate,,,,N/A,Referral,2012-01-26,Closed with relief,Yes,No,CR0017229,1071
2012-01-26,Credit card,,Credit reporting,,,,N/A,Referral,2012-02-01,Untimely response,No,,CR0019480,6546
2012-01-26,Credit card,,Privacy,,,,N/A,Referral,2012-01-26,Closed with relief,Yes,No,CR0017156,3644
2012-01-26,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-01-26,Closed with relief,Yes,No,CR0017205,1177
2012-01-26,Credit card,,Billing disputes,,,,N/A,Referral,2012-01-26,Closed with relief,Yes,No,CR0017329,5376
2012-01-26,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-01-27,Closed with relief,Yes,No,CR0018129,2180
2012-01-25,Credit card,,Credit determination,,,,N/A,Referral,2012-01-25,Closed with relief,Yes,No,CR0016728,936
2012-01-25,Credit card,,Credit reporting,,,,N/A,Referral,2012-01-30,Closed,No,,CR0018418,4576
2012-01-25,Credit card,,Rewards,,,,N/A,Referral,2012-01-27,Closed with relief,Yes,No,CR0011551,1908
2012-01-25,Credit card,,Other,,,,N/A,Referral,2012-01-25,Closed without relief,Yes,No,CR0016758,4600
2012-01-25,Credit card,,Credit reporting,,,,N/A,Referral,2012-01-25,Closed with relief,Yes,No,CR0016857,1129
2012-01-25,Credit card,,Late fee,,,,N/A,Referral,2012-01-25,Closed with relief,Yes,Yes,CR0016913,4861
2012-01-24,Credit card,,Rewards,,,,N/A,Referral,2012-01-24,Closed without relief,Yes,No,CR0016419,354
2012-01-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-01-24,Closed without relief,Yes,No,CR0016335,1926
2012-01-22,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-01-24,Closed without relief,Yes,No,CR0016117,1316
2012-01-22,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2012-01-24,Closed with relief,Yes,No,CR0016294,1396
2012-01-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2013-02-14,Closed with explanation,Yes,No,CR0014696,2075
2012-01-13,Credit card,,Other fee,,,,N/A,Referral,2012-01-13,Closed with relief,Yes,No,CR0013543,2585
2012-01-12,Credit card,,Billing disputes,,,,N/A,Referral,2012-01-13,Closed without relief,Yes,No,CR0082579,4068
2012-01-09,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-01-09,Closed with relief,Yes,No,CR0004271,64
2012-01-09,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2012-01-09,Closed without relief,Yes,No,CR0011726,224
2012-01-06,Credit card,,Billing disputes,,,,N/A,Referral,2012-01-10,Closed without relief,Yes,Yes,CR0012219,2287
2012-01-06,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2012-01-10,Closed with relief,No,No,CR0012391,1726
2012-01-05,Credit card,,Rewards,,,,N/A,Referral,2012-01-10,Closed without relief,Yes,No,CR0012172,5180
2012-01-04,Credit card,,APR or interest rate,,,,N/A,Referral,2012-01-05,Closed without relief,Yes,No,CR0010024,1460
2012-01-03,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2012-01-03,Closed without relief,No,No,CR0009105,3108
2011-12-29,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2011-12-30,Closed with relief,Yes,No,CR0008817,3891
2011-12-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2011-12-29,Closed without relief,Yes,No,CR0008566,1444
2011-12-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2011-12-28,Untimely response,No,,CR0064720,2578
2011-12-28,Credit card,,APR or interest rate,,,,N/A,Referral,2011-12-30,Closed without relief,Yes,No,CR0008822,192
2011-12-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2011-12-28,Untimely response,No,,CR0069874,4768
2011-12-22,Credit card,,Late fee,,,,N/A,Referral,2011-12-22,Closed with relief,Yes,No,CR0007698,530
2011-12-21,Credit card,,APR or interest rate,,,,N/A,Referral,2011-12-21,Closed without relief,Yes,No,CR0007297,12376
2011-12-21,Credit card,,Billing disputes,,,,N/A,Referral,2011-12-22,Closed with relief,No,No,CR0007623,5013
2011-12-21,Credit card,,APR or interest rate,,,,N/A,Referral,2012-02-13,Closed without relief,Yes,No,CR0007413,1909
2011-12-20,Credit card,,Billing disputes,,,,N/A,Referral,2011-12-20,Closed without relief,Yes,No,CR0006872,12625
2011-12-19,Credit card,,Credit reporting,,,"Older American, Servicemember",N/A,Referral,2011-12-21,Untimely response,No,,CR0006548,4585
2011-12-19,Credit card,,Delinquent account,,,,N/A,Referral,2011-12-19,Closed without relief,Yes,No,CR0006646,4295
2011-12-16,Credit card,,Privacy,,,,N/A,Referral,2011-12-16,Closed with relief,Yes,No,CR0006244,11250
2011-12-15,Credit card,,Balance transfer,,,,N/A,Referral,2011-12-15,Closed with relief,Yes,Yes,CR0005959,1865
2011-12-14,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2011-12-14,Closed without relief,Yes,No,CR0005814,4239
2011-12-12,Credit card,,Credit reporting,,,,N/A,Referral,2011-12-12,Closed with relief,Yes,No,CR0004787,2366
2011-12-09,Credit card,,Billing disputes,,,,N/A,Referral,2011-12-12,Closed without relief,Yes,No,CR0005007,1555
2011-12-08,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2011-12-08,Closed with relief,Yes,Yes,CR0003903,361
2011-12-08,Credit card,,APR or interest rate,,,,N/A,Referral,2011-12-08,Closed with relief,Yes,Yes,CR0003986,11516
2011-12-07,Credit card,,Billing statement,,,,N/A,Referral,2011-12-07,Closed with relief,Yes,Yes,CR0003572,4638
2011-12-07,Credit card,,APR or interest rate,,,,N/A,Referral,2011-12-07,Closed with relief,Yes,No,CR0003704,904
2011-12-07,Credit card,,Late fee,,,,N/A,Referral,2012-05-26,Closed with explanation,Yes,No,CR0003745,2902
2011-12-07,Credit card,,Cash advance fee,,,,N/A,Referral,2011-12-07,Closed with relief,Yes,No,CR0003495,3677
2011-12-07,Credit card,,Other,,,,N/A,Referral,2012-05-31,Closed with explanation,Yes,Yes,CR0003638,4396
2011-12-06,Credit card,,Billing statement,,,,N/A,Referral,2011-12-06,Closed with relief,Yes,No,CR0003447,3390
2011-12-06,Credit card,,Payoff process,,,,N/A,Referral,2011-12-06,Closed with relief,Yes,No,CR0003454,4340
2011-12-06,Credit card,,Credit reporting,,,,N/A,Referral,2011-12-06,Closed with relief,Yes,No,CR0003434,4680
2011-12-06,Credit card,,Billing disputes,,,,N/A,Referral,2011-12-06,Closed without relief,Yes,Yes,CR0003165,865
2011-12-06,Credit card,,Billing disputes,,,,N/A,Referral,2011-12-09,Closed without relief,Yes,No,CR0004274,3587
2011-12-06,Credit card,,Billing disputes,,,,N/A,Referral,2011-12-06,Closed with relief,No,No,CR0003163,1561
2011-12-06,Credit card,,Credit reporting,,,,N/A,Referral,2011-12-06,Closed without relief,Yes,No,CR0003164,9798
2011-12-06,Credit card,,Billing disputes,,,,N/A,Referral,2011-12-06,Closed without relief,Yes,Yes,CR0003250,2158
2011-12-06,Credit card,,Other,,,,N/A,Referral,2011-12-06,Closed with relief,Yes,No,CR0003266,154
2011-12-06,Credit card,,Closing/Cancelling account,,,,N/A,Referral,2011-12-06,Closed without relief,No,No,CR0003381,429
2011-12-06,Credit card,,Late fee,,,,N/A,Referral,2011-12-06,Closed with relief,Yes,No,CR0003182,6186
2011-12-06,Credit card,,Billing statement,,,,N/A,Referral,2011-12-06,Closed with relief,Yes,No,CR0003428,1734
2011-12-05,Credit card,,Other,,,,N/A,Referral,2011-12-05,Closed without relief,Yes,No,CR0002909,944
2011-12-05,Credit card,,Credit reporting,,,,N/A,Referral,2011-12-05,Untimely response,No,,CR0002963,1312
2011-12-05,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2011-12-05,Closed without relief,Yes,No,CR0003085,3659
2011-12-05,Credit card,,Customer service / Customer relations,,,,N/A,Referral,2011-12-05,Closed with relief,Yes,No,CR0002809,1614
2011-12-05,Credit card,,Credit line increase/decrease,,,,N/A,Referral,2011-12-05,Closed without relief,Yes,No,CR0002895,82
2011-12-05,Credit card,,Collection debt dispute,,,,N/A,Referral,2011-12-05,Closed with relief,Yes,No,CR0002937,2949
2011-12-05,Credit card,,Billing disputes,,,,N/A,Referral,2011-12-05,Closed with relief,Yes,No,CR0066133,4520
2011-12-05,Credit card,,Billing statement,,,,N/A,Referral,2011-12-05,Closed without relief,Yes,No,CR0003031,10076
2011-12-05,Credit card,,Collection practices,,,,N/A,Referral,2011-12-05,Closed with relief,No,No,CR0003041,11709
2011-12-05,Credit card,,Collection practices,,,,N/A,Referral,2011-12-05,Untimely response,No,,CR0002814,2771
2011-12-05,Credit card,,Balance transfer fee,,,,N/A,Referral,2011-12-05,Closed without relief,Yes,No,CR0002810,379
2011-12-05,Credit card,,Other,,,,N/A,Referral,2011-12-05,Closed with relief,Yes,No,CR0002914,3054
2011-12-05,Credit card,,Rewards,,,,N/A,Referral,2011-12-05,Closed with relief,Yes,No,CR0002950,515
2011-12-05,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2011-12-05,Closed with relief,Yes,No,CR0003003,6114
2011-12-05,Credit card,,Credit card protection / Debt protection,,,,N/A,Referral,2011-12-05,Closed with relief,Yes,No,CR0003092,1513
2011-12-05,Credit card,,Billing disputes,,,,N/A,Referral,2011-12-05,Closed without relief,Yes,Yes,CR0002953,4748
2011-12-05,Credit card,,Credit determination,,,,N/A,Referral,2013-01-07,Closed with non-monetary relief,No,No,CR0003017,1086
2011-12-05,Credit card,,Collection debt dispute,,,,N/A,Referral,2011-12-05,Closed with relief,Yes,No,CR0003026,2088
2011-12-05,Credit card,,Late fee,,,,N/A,Referral,2011-12-05,Closed with relief,Yes,No,CR0003060,1448
2011-12-02,Credit card,,Rewards,,,,N/A,Referral,2011-12-01,Closed with relief,Yes,No,CR0002418,2404
2011-12-02,Credit card,,Billing disputes,,,,N/A,Referral,2011-12-02,Closed without relief,Yes,No,CR0002463,689
2011-12-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2011-12-02,Closed without relief,Yes,No,CR0002590,10662
2011-12-02,Credit card,,Collection practices,,,,N/A,Referral,2011-12-02,Closed without relief,No,,CR0002460,2797
2011-12-02,Credit card,,Balance transfer,,,,N/A,Referral,2011-12-08,Closed without relief,Yes,No,CR0003839,4212
2011-12-02,Credit card,,Credit reporting,,,,N/A,Referral,2011-12-01,Closed with relief,Yes,No,CR0002422,1723
2011-12-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Referral,2011-12-02,Closed without relief,No,No,CR0002430,2404
2011-12-02,Credit card,,Transaction issue,,,,N/A,Referral,2011-12-02,Closed with relief,Yes,Yes,CR0002498,4099
2011-12-02,Credit card,,Delinquent account,,,,N/A,Referral,2011-12-02,Closed without relief,No,No,CR0002561,2293
2011-12-02,Credit card,,Credit reporting,,,,N/A,Referral,2011-12-07,Closed without relief,Yes,No,CR0003488,4711
2011-12-02,Credit card,,Other fee,,,,N/A,Referral,2011-12-08,Closed with relief,Yes,No,CR0003892,1524
2011-12-01,Credit card,,Billing disputes,,,,N/A,Referral,2011-12-01,Closed with relief,Yes,No,CR0002340,3541
2011-12-01,Credit card,,Billing disputes,,,,N/A,Referral,2011-12-01,Closed without relief,Yes,Yes,CR0002057,8327
2011-12-01,Credit card,,Transaction issue,,,,N/A,Referral,2011-12-01,Closed without relief,Yes,No,CR0002083,1006
2011-12-01,Credit card,,Transaction issue,,,,N/A,Referral,2011-12-01,Closed with relief,Yes,No,CR0002199,2344
2011-12-01,Credit card,,Other,,,,N/A,Referral,2011-12-01,Closed without relief,Yes,No,CR0002259,10303
2011-12-01,Credit card,,Billing disputes,,,,N/A,Referral,2011-12-01,Closed with relief,Yes,No,CR0002348,1926
2011-12-01,Credit card,,Unsolicited issuance of credit card,,,,N/A,Referral,2011-12-01,Closed without relief,No,No,CR0002121,2913
2011-12-01,Credit card,,Rewards,,,,N/A,Referral,2011-12-01,Closed with relief,No,No,CR0002203,3934
2011-12-01,Credit card,,Billing disputes,,,,N/A,Referral,2011-12-01,Closed without relief,Yes,Yes,CR0002298,4731
2011-12-01,Credit card,,Billing disputes,,,,N/A,Referral,2011-12-01,Untimely response,No,,CR0002066,2965
2017-04-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-04-10,Closed with explanation,Yes,Yes,CR2425787,4449
2017-04-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,,Web,2017-04-08,In progress,Yes,,CR2425940,5320
2017-03-29,Bank account or service,Checking account,Using a debit or ATM card,,,,,Web,2017-03-29,In progress,Yes,,CR2410326,4405
2017-03-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,,Web,2017-03-29,In progress,Yes,,CR2406790,2631
2017-03-28,Bank account or service,Checking account,Deposits and withdrawals,,"Deposited a XXXX check into my account, BOFA is telling me i cant have my money for 2 weeks because XXXX will not verify. I spoke with XXXX and they are telling me they have submitted everything they can and that my bank is lying to me and that the funds have been drawn from my employers account already. I am going to lose my job due to the fact i can not purchase gas and I am XXXX miles from home in a new state",,Consent provided,Web,2017-03-29,Closed with explanation,Yes,,CR2407768,55
2017-03-28,Bank account or service,Checking account,Using a debit or ATM card,,"I called Eagle National Bank 's customer service line. Figuring I 'd be on hold for a while, I put my phone on speaker. I got an automatic message telling me to put in the last 4 digits of my card number. I did. An automatic message immediately stated the amount of money in my bank account! This is my private information. Eagle National Bank should not have done this. I did n't ask for this information.",,Consent provided,Web,2017-03-28,Closed with explanation,Yes,,CR2407653,1310
2017-03-28,Credit card,,Billing disputes,,,,,Web,2017-03-28,In progress,Yes,,CR2407061,2038
2017-03-28,Credit card,,Billing disputes,,,,,Web,2017-03-28,In progress,Yes,,CR2407587,9675
2017-03-28,Credit card,,Delinquent account,,,,,Web,2017-03-28,In progress,Yes,,CR2407135,4668
2017-03-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,,Web,2017-03-28,In progress,Yes,,CR2408603,696
2017-03-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,,Web,2017-03-28,In progress,Yes,,CR2407386,656
2017-03-27,Bank account or service,Checking account,Using a debit or ATM card,,"I was a victim of fraud involving my Eagle National Bank debit card. I immediately reported this to the bank on XXXX/XXXX/2017. Someone used my debit card numbers to purchase {$85.00} at a XXXX. I filed a police report the same day as I advised the bank. The bank advised me to call again the next morning, which I did. I got a recording saying the department was closed. I then tried contacting the bank using different phone numbers. I spoke to two more people who refused to do anything about the claim-including filing it. Today I went in person to the bank and spoke to a XXXX. This guy was rude, unhelpful, argumentative and told me to "" sit and wait a week, then call the bank, then they 'll do something about it. '' This makes five attempts at filing this fraudulent charge and resolving the issue so that I can use my account. The transaction has been sitting now hung up as a "" processing '' transaction for five days. Not only can I still not use the account, there 's no record of the fraud claim, and I have no useable debit card. The bank 's negligence is affecting me personally as I live alone and have only XXXX useable checking account, it allows the criminals to do this to others over and over and over again. XXXX flat out said "" We will not look at video or question anyone, it 's just {$85.00}. ''",,Consent provided,Web,2017-03-27,Closed with monetary relief,Yes,,CR2406333,2834
2017-03-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,"On Thursday XX/XX/2017 I initiated a wire transfer with Eagle National Bank to a XXXX bank. By the next day, I received a confirmation email saying transfer successful. By Monday XX/XX/2017, the funds had not reached the recipient. By Tuesday XX/XX/2017 I painstakingly initiated a recall on the lost funds. I was first told I would have to pay {$45.00} for EN to locate the money that they lost themselves. This was then waived. It has been 3 weeks since this recall was initiated, I have had no contact from Eagle National Bank. I am now being told that if they can not find the money, they will not refund the money to me, that I will simply have lost {$3000.00}. This feels like theft, except that there is no one to report this robbery to!",,Consent provided,Web,2017-03-27,Closed with explanation,Yes,,CR2405095,4519
2017-03-27,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,"Today, XXXX/XXXX/2017, I attempted to cash a check from my son-in-law made out to his mother, my wife at Eagle National Bank, XXXX branch, XXXX, NC. Since my wife is not only XXXX but recently XXXX, she is rather XXXX. However, I have cashed 7-8 checks from him to us at the same location. I place our identification - Id/drivers license, both bank cards from the XXXX banks we do use, not Eagle National Bank. They use the "" California security screens '' which consist of 1 '' of bullet proof glass and a 3 '' opening to place your identification. I had placed her ID on the left side and my ID 's on the right side of the half-round tray. The Financial Center Operations Manager, XXXX, was starting to give her OK by initialing the check for cashing. As she stopped and reached for my ID, I reached over to push it up for her to reach. My ID and XXXX bank card fell down on the counter. I said excuse me. She suddenly stopped and said "" NO ''. I asked her what was wrong as she replied, "" I am not going to authorize it because you threw those cards at me! '' Remember this is the bank my step-son had written the check on and I have cashed his checks to us there several times before. XXXX started walking away and I called out and asked for her name. She said she was getting me a business card, which she did produce. 
I believe other people, potential customers and Eagle National Bank officers should be aware of this women 's attitude and refusal to cash one of there own checks. I plan to make everyone I can aware of the XXXX service or bad attitude I encountered this morning. 
Being XXXX, I was XXXX, I am used to people being rude to me but I did not give this lady any reason to prejudge me and fly off the handle so quickly.",Older American,Consent provided,Web,2017-03-27,Closed with explanation,Yes,,CR2405824,7724
2017-03-27,Credit card,,Billing statement,,,,,Web,2017-03-27,In progress,Yes,,CR2404044,148
2017-03-27,Credit card,,Transaction issue,,,,,Web,2017-03-27,In progress,Yes,,CR2406109,3575
2017-03-27,Credit card,,Credit card protection / Debt protection,,,Older American,Consent not provided,Web,2017-03-27,Closed with monetary relief,Yes,,CR2405298,4915
2017-03-27,Credit card,,Closing/Cancelling account,,,,,Web,2017-03-27,In progress,Yes,,CR2404903,1314
2017-03-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,,Web,2017-03-27,In progress,Yes,,CR2404324,4082
2017-03-27,Bank account or service,Checking account,Deposits and withdrawals,,,,,Web,2017-03-27,In progress,Yes,,CR2406038,1274
2017-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,,Web,2017-03-27,In progress,Yes,,CR2406480,5281
2017-03-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,,Web,2017-03-27,In progress,Yes,,CR2404762,1685
2017-03-27,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,,Web,2017-03-27,In progress,Yes,,CR2406361,1661
2017-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,,Web,2017-03-27,In progress,Yes,,CR2405323,12490
2017-03-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,,Web,2017-03-29,In progress,Yes,,CR2406264,646
2017-03-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,,Web,2017-03-27,In progress,Yes,,CR2405949,4302
2017-03-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am being charged a debt for a company that I have never had a bank account with. I was contacted on XX/XX/2017 in regards to paying the debt. I asked for verification regarding this debt because the only two banking institutions I have ever had were XXXX and XXXX ( located in XXXX, GA ). I was told by a friendly rep that a dispute claim would be opened and I would receive a call from the agent assigned to my case. It never happened. Under the Fair Credit Reporting Act, I have the right as a consumer to dispute inaccurate information and you must comply and support this inalienable right!",,Consent provided,Web,2017-03-26,Closed with explanation,Yes,,CR2404371,1709
2017-03-26,Credit card,,Billing disputes,,,,,Web,2017-03-26,In progress,Yes,,CR2404327,4069
2017-03-26,Credit card,,Billing disputes,,,,,Web,2017-03-26,In progress,Yes,,CR2404684,2065
2017-03-26,Credit card,,Closing/Cancelling account,,,,,Web,2017-03-26,In progress,Yes,,CR2404601,4085
2017-03-26,Credit card,,Identity theft / Fraud / Embezzlement,,,,,Web,2017-03-27,In progress,Yes,,CR2404209,4139
2017-03-26,Credit card,,Other,,,,,Web,2017-03-26,In progress,Yes,,CR2404005,6196
2017-03-25,Bank account or service,Checking account,Deposits and withdrawals,,"Someone use my Eagle National Bank visa debit cards, checking account and money market rewards savings account to make fraudulent transactions. Under federal law and according to Visa policy, a consumer has zero liability for fraudulent and unauthorized charges/transactions. Someone stole and used my personal information and impersonated me to steal over {$30000.00} from my checking account. I have filed claims with Eagle National Bank in regards to this matter. The following claim numbers are all fraudulent and unauthorized transactions : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX",Servicemember,Consent provided,Web,2017-03-25,Closed with explanation,Yes,,CR2404201,12738
2017-03-25,Credit card,,Customer service / Customer relations,,,Older American,,Web,2017-03-25,In progress,Yes,,CR2404367,6468
2017-03-25,Credit card,,Balance transfer fee,,,,,Web,2017-03-25,In progress,Yes,,CR2403417,2016
2017-03-25,Credit card,,Closing/Cancelling account,,,,,Web,2017-03-25,In progress,Yes,,CR2402710,1745
2017-03-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,,Web,2017-03-27,In progress,Yes,,CR2404666,1921
2017-03-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,,Web,2017-03-25,In progress,Yes,,CR2403029,1429
2017-03-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,,Web,2017-03-25,In progress,Yes,,CR2404190,2787
2017-03-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,,Web,2017-03-25,In progress,Yes,,CR2404271,3156
2017-03-24,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank sent me a notice via US mail and in my account that if I opened up a qualifying checking account and set up and received a qualifying direct deposit totaling {$4000.00} or more within the first 90 days of opening the account by XX/XX/2017, I would receive a {$300.00} Checking Account bonus. The details go further to state, "" If you meet all the Requirements to Receive the {$300.00} Checking Account bonus, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days of meeting the qualifications for the earned bonus. New personal checking account must be open up to and including the date the bonus is paid in order to receive the bonus. '' I reported to them that I met the qualifying factors as of today XX/XX/2017. A EN representative then informed me I have to wait the entire 90 days then 60 days thereafter and that is not what the promotion states. I have met the requirements WITHIN the 90 days as required and expect the {$300.00} payment 60 days from this aforementioned date, now they are telling me they are not going to honor the offer they made ( which I still have in writing and digital copy ).",,Consent provided,Web,2017-03-24,Closed with monetary relief,Yes,,CR2402152,1252
2017-03-24,Bank account or service,Checking account,"Account opening, closing, or management",,I had an account with Eagle National Bank. I had applied for a job on XXXX like I always did and they were legit jobs that I actually worked. I applied for a XXXX job online and recieved a check that was said to be my advanced pay for the job I was going to start. To make a long story short I deposited the check in my account not knowing that it was a counterfeit check so instead of Eagle National Bank notifying me they closed my account and put fraud on XXXX. I had no idea the check was fake because it looked real had the water mark on the check and all. I 'm trying to get the issue resolved due to the fact that I 'm trying to buy a home and would like to open an account with a credit union but ca n't because they stated it will never come off the report I do not have anything on XXXX,,Consent provided,Web,2017-03-27,Closed with explanation,Yes,,CR2403808,3182
2017-03-24,Credit card,,Credit line increase/decrease,,"I have three credit cards which are very rarely used. The card in question is a XXXX Eagle National Bank card. It has a {$1000.00} limit. I have never been late with this and usually pay ahead of time AND in full. I recently paid off over {$80000.00} on my kids loan. Our family income is over {$100000.00}. According to the XXXX credit report, everything shows OK ... yet Eagle National Bank refuses to increase my limit ( I requested a {$5000.00} limit ). The reason for this ... we go on cruises. If I use this credit card ( which I always have the money to back it up and pay when due ) I get reward points toward future cruises. I believe that Eagle National Bank ... where we do our banking AND my wife has her XXXX pay check direct deposited ... is discriminating against us for some reason. There is no logical reason to deny an increase to AT LEAST {$5000.00}. I tried to file a dispute on line on the XXXX site but it would not work. Your help appreciated. 

XXXX",,Consent provided,Web,2017-03-24,Closed with explanation,Yes,,CR2403010,732
2017-03-24,Credit card,,Billing disputes,,,,,Web,2017-03-24,In progress,Yes,,CR2403387,4288
2017-03-24,Credit card,,Credit determination,,,,,Web,2017-03-24,In progress,Yes,,CR2403095,12599
2017-03-24,Credit card,,Transaction issue,,,,,Web,2017-03-24,In progress,Yes,,CR2402393,536
2017-03-24,Credit card,,Other,,,,Consent not provided,Web,2017-03-24,Closed with explanation,Yes,,CR2403008,11866
2017-03-24,Credit card,,APR or interest rate,,,,Consent not provided,Web,2017-03-24,Closed with explanation,Yes,,CR2403384,4382
2017-03-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,,Web,2017-03-24,In progress,Yes,,CR2402581,11304
2017-03-24,Bank account or service,Checking account,Using a debit or ATM card,,,,,Web,2017-03-24,In progress,Yes,,CR2402295,3037
2017-03-24,Bank account or service,Checking account,Deposits and withdrawals,,,,,Web,2017-03-24,In progress,Yes,,CR2401943,113
2017-03-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-03-24,Closed with explanation,Yes,,CR2403378,2022
2017-03-24,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2017-03-24,Closed with monetary relief,Yes,,CR2402538,1001
2017-03-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,"A check was stolen from my purse, forged, and cashed for {$500.00} through an account with Eagle National Bank. It was an obvious forgery that never would have passed a visual inspection. I filed an affidavit of forgery and a police report, but my bank ( XXXX South Carolina ) says that Eagle National Bank is liable for the fraudulent check, and Eagle National Bank says that XXXX is liable. Neither will refund my money.",,Consent provided,Web,2017-03-23,Closed with explanation,Yes,Yes,CR2400733,4736
2017-03-23,Bank account or service,Savings account,"Account opening, closing, or management",,"Dear Sir/Madam, Re : Eagle National Bank Core Checking Account ( # XXXX ) and Regular Savings ( # XXXX ) I am filing a complaint against Eagle National Bank for unauthorized charging service fee on my regular savings account without any prior notification. We open Core Checking account in XX/XX/XXXX and was persuaded to also open a regular savings account. We were told at the time that the XXXX accounts would be linked and there would n't be any charges or fees as long as we maintained our monthly balance no less than {$1500.00} in our core checking account. Since then, we have met our minimum balance requirement and maintained at least {$100.00} in our savings account as well. 
However, starting from XX/XX/XXXX, the Bank imposes a monthly charge of {$5.00} on the grounds that our savings account has less than {$300.00} even though our balance in the core checking account always far exceeds {$1500.00} and the two accounts are supposed to be linked. We challenged their unauthorized debit and were told that there was a letter of advice sent out in XX/XX/XXXX. We never receive such letter or any electronic communication from the Bank. 
Finally, the Bank agreed to refund me but for some reasons, not the full amount of the 5 months of charges. We file this complaint because we feel being misled and we do n't know how many of consumers are being treated like that. We would appreciate your prompt attention to the matter. 
XXXX",,Consent provided,Web,2017-03-23,Closed with explanation,Yes,,CR2401202,2974
2017-03-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"For about the 8th time, Eagle National Bank has purchased flood insurance on my home when I aleady have insurance. This has been going on for 10 years and it 's taking a toll on my life. Once they do it the harassment goes on and on and they do everything in their power to make it difficult and refuse to refund the money. My agent faxed the documents as instructed on XX/XX/XXXX to a special fax number I was give over the phone directly to the person who was going to make sure this was taken care of. Then today I get the notice that they have purchased the insurance again. The mortgage is in an estate and now they are claiming I do n't have it insured properly even thought it 's been the same for 10 years. I have spoken to 10 different people at B of A and they all have a different story as to what 's right and what 's wrong. It truly is just harassment. I had to file a complaint with the Dept of Justice about 5 years ago for them to acknowledge that I did already have the insurance and that they purchased it from their own insurance company XXXX for XXXX what my insurance cost. They are at it again and I ca n't take it. The XXXX is literally taking a toll on me. They have to be stopped.",,Consent provided,Web,2017-03-23,Closed with monetary relief,Yes,,CR2402232,13260
2017-03-23,Bank account or service,Checking account,"Account opening, closing, or management",,"My mother wrote a check to my account to pay my rent. I then purchased a cashiers check to make the payment. Days later after the check had been cashed, Eagle National Bank then put a hold on my mother 's original check sending my account negative. The hold was set to be released in less than a week, but it never happened, and my mother never received her money back. After that I was blocked from viewing my balances for my credit and debit accounts and a hold was placed on all of my banking. When I called to find out what was going on, I was transferred multiple times and finally an incredibly rude customer service repoed told me that my accounts had all been closed. Specifically he acknowledged that there was nothing I could do and that they would be closed immediately. Just yesterday I was told that my accounts are all still open, my credit cards have been billed for late fees and I 'm completely astounded. When I called again just now, no one apologized to me or explained to me what was going on, they originally only let me know that my credit account was still open and then after being transferred and me doing some prying they let me know that my checking account was also still open. When I went to inquire further I was again told that they could n't do anything about it. So here I am, with no active cards or any way of viewing my accounts and balances, still being charged fees. This is truly insane and no matter who I 've spoken to in the company no one has told me what is actually going on.",,Consent provided,Web,2017-03-23,Closed with explanation,Yes,,CR2399741,4762
2017-03-23,Bank account or service,Checking account,"Account opening, closing, or management",,"Opened a bank account with Eagle National Bank via an online public offer of {$200.00} bonus for depositing {$1000.00} of new funds into the account within 60 days. I opened the account online through the public link, and met the deposit requirements within a week of the account opening. I 've now only received {$100.00} of the advertised {$200.00} bonus. BofA is now citing me other terms and conditions not present at the time of the application, as well as alleged emails requiring customers to pick their preferred offer and associated terms. These emails were never received. The offer is publicly available to online applicants ; which I was.",,Consent provided,Web,2017-03-23,Closed with monetary relief,Yes,,CR2401841,2088
2017-03-23,Bank account or service,Checking account,Deposits and withdrawals,,"Teller made a mistake depositing into wrong account. Deposit was made into joint account with my brother instead of joint account of me and my wife. The deposit was transferred to the correct account. For privacy issue with showing large account of deposit, I requested to remove incorrect deposit from the history and next statement under the wrong account. My request was not honored.",,Consent provided,Web,2017-03-23,Closed with explanation,Yes,,CR2401899,757
2017-03-23,Credit card,,Transaction issue,,"I got contacted by XXXX initially on XX/XX/XXXX. They said they would work on XXXX pages of existing website, do much XXXX, get sales, source codes, key words, get ranking and search engine optimization ( SEO ) all that for a fee and {$50.00} per month. The representative was very persuasive and said I needed their services in order to my online business be successful and make money. I ended up paying a total of {$5000.00} on my EN credit card. I am disputing my charges because I was told I have 538 days. The charges were done between XX/XX/XXXX and XX/XX/XXXX. I would like to dispute all charges made by XXXX. This company took advantage of me and did not fulfill with their promises. I tried to contact them and resolve with them but never got a response. I would like Eagle National Bank to investigate this merchant.",Older American,Consent provided,Web,2017-03-23,Closed with explanation,Yes,,CR2401200,1718
2017-03-23,Credit card,,Identity theft / Fraud / Embezzlement,,"I have master card credit card from Eagle National Bank I found transaction in my statement XXXX for XXXX XXXX MI. I did not made this transaction and i did not know any thing about this merchant. I made a claim to Eagle National Bank after that they sent me a new credit card and remove this transaction. about one month later they called me and denied my claim. I tried to describe that I did not made this transaction but they did not gave me any attention. 
I called them again and reactivate the claim again. 
after one more month they did not change the decision",,Consent provided,Web,2017-03-23,Closed with monetary relief,Yes,,CR2402210,1430
2017-03-23,Credit card,,Transaction issue,,,,,Web,2017-03-29,In progress,Yes,,CR2402050,1985
2017-03-23,Credit card,,Rewards,,,,,Web,2017-03-23,In progress,Yes,,CR2401309,4354
2017-03-23,Credit card,,Other,,,,Consent not provided,Web,2017-03-24,Closed with explanation,Yes,,CR2400874,3908
2017-03-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,,Web,2017-03-23,In progress,Yes,,CR2400041,1473
2017-03-23,Bank account or service,Checking account,Deposits and withdrawals,,,,,Web,2017-03-23,In progress,Yes,,CR2401349,2674
2017-03-23,Bank account or service,Checking account,Deposits and withdrawals,,,,,Web,2017-03-23,In progress,Yes,,CR2401580,3947
2017-03-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,,Web,2017-03-23,In progress,Yes,,CR2400541,4326
2017-03-23,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,,Web,2017-03-23,In progress,Yes,,CR2401884,2124
2017-03-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,,Web,2017-03-23,In progress,Yes,,CR2401142,3735
2017-03-23,Bank account or service,Checking account,Deposits and withdrawals,,,,,Web,2017-03-23,In progress,Yes,,CR2402119,2339
2017-03-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XXXX/XXXX/2017 I initiated a transfer of funds to my brother for {$500.00}. On XXXX/XXXX/2017, I was informed by my brother that he never received the payment. I realized that I entered the wrong phone number by XXXX digit. I immediately contacted the bank and filed a claim. I was told it would take 10 business days to resolve. I called regularly for updates. Was told that the person who did receive the funds was also a Eagle National Bank customer and that the bank would try to contact them. On XXXX/XXXX/2017 I received a letter stating that the claim was closed and that I would not receive my money back. The bank had attempted to reach the other party but did not receive a response, however after speaking with a EN rep, I was informed that the bank only tried to call the other party 3 times and did not begin trying to contact them until XXXX/XXXX/2017, which was 14 days after my initial claim was filed. I feel that EN did not do a through job in trying to resolve this issue for me at all.",,Consent provided,Web,2017-03-22,Closed with explanation,Yes,,CR2400019,3565
2017-03-22,Credit card,,Billing disputes,,"I have two issues. 
I have a credit card with Eagle National Bank. I put in a change of address with them. I did not receive my bill and received a late fee. I subsequently paid my bill. I requested that they waive the fee and they turned me down. As a XXXX I complained to investor relations and they notified a debt collector who sent me an email yesterday.",,Consent provided,Web,2017-03-22,Closed with monetary relief,Yes,,CR2399067,3880
2017-03-22,Credit card,,Billing disputes,,"I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX, XX/XX/XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.",,Consent provided,Web,2017-03-22,Closed with explanation,Yes,,CR2396380,5531
2017-03-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,,Web,2017-03-22,In progress,Yes,,CR2397881,4340
2017-03-22,Credit card,,Delinquent account,,,Older American,,Web,2017-03-22,In progress,Yes,,CR2398659,2553
2017-03-22,Credit card,,Privacy,,,,,Web,2017-03-22,In progress,Yes,,CR2398684,4087
2017-03-22,Credit card,,Balance transfer,,,,Consent not provided,Web,2017-03-22,Closed with explanation,Yes,,CR2400109,122
2017-03-22,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2017-03-22,Closed with explanation,Yes,,CR2399959,12485
2017-03-22,Bank account or service,Checking account,Deposits and withdrawals,,,,,Web,2017-03-22,In progress,Yes,,CR2397521,6186
2017-03-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,,Web,2017-03-22,In progress,Yes,,CR2399288,113
2017-03-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,,Web,2017-03-22,In progress,Yes,,CR2399943,2885
2017-03-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,,Web,2017-03-22,In progress,Yes,,CR2398698,2054
2017-03-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2017-03-22,Closed with explanation,Yes,,CR2398144,726
2017-03-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,,Web,2017-03-22,In progress,Yes,,CR2399149,3206
2017-03-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,,Web,2017-03-22,In progress,Yes,,CR2400404,4031
2017-03-22,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,Consent not provided,Web,2017-03-22,Closed with monetary relief,Yes,,CR2399683,395
2017-03-21,Bank account or service,Checking account,Using a debit or ATM card,,"A thief reproduced a copy of our Eagle National Bank Mastercard/debit card and used it in multiple instances. On XX/XX/2016 the thief used the card at XXXX XXXX in XXXX, Georgia once for {$730.00}, then for {$380.00} the same day. The funds in the account were exhausted and the thief continued to attempt to use the card 8 more times unsuccessfully. Eagle National Bank is claiming that this was not a case of fraud, implying that we did this ourselves. They are refusing to pay us back the amount of {$1100.00}. We obtained a police report.",Servicemember,Consent provided,Web,2017-03-21,Closed with monetary relief,Yes,,CR2396553,3413
2017-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank closed my account in XX/XX/2014 ( I think ) and placed a suspected fraud/ theft on my name in XXXX making it hard to obtain a bank account with any other banks. I reached out to them on several occasions to have this resolved or investigated and have n't heard anything bank. I spoke with a branch manger on several different occasions and she has called the fraud department and all they tell her is that it is being investigated. They sent me my transaction history showing the money in my account and then coming out but I questioned the check that was deposited, how was it deposited, who deposited the check, how was it cashed, when and by whom. Nobody could tell me anything. I reached out to the company that they say furnished the check to verify that I have no type of business dealings with them or accounts. This company stated that they have nothing to do with myself and they do n't know anything of this check. Eagle National Bank has be so called investigating this far to long. I 've even sent them my police report that I obtained back in XX/XX/XXXX for Identity theft after I found out that someone else had accounts in my name that I found out about after pulling my credit reports. They still have yet to reach back out to me or respond in any kind of way.",,Consent provided,Web,2017-03-21,Closed with explanation,Yes,Yes,CR2398327,4657
2017-03-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Sometime after XX/XX/XXXX but before XX/XX/XXXX I paid my XXXX store credit card bill. Unfortunately for me my payment was applied to another account. I had paid the bill using my mother 's Eagle National Bank bank account. I tried multiple times to resolve the situation, to no avail. I was repeatedly told that they ( the XXXX card company reps ) understood and would fix it, but nobody ever did. It was sent to collections and I again explained my situation. After many attempts to fix the situation I gave up. In hindsight this likely was n't a good idea but I was beyond frustrated. The account was opened in XX/XX/XXXX and closed due to non payment in XX/XX/XXXX. I received a call XX/XX/XXXX that I was being taken to court over this debt. I have negotiated with the law office handling the case against me to have until the end of XX/XX/XXXX to get the copy of the bank statement showing my payment. My mother closed the Ban of America account, perhaps in XX/XX/XXXX. I spoke with EN customer service and was told they could look up closed accounts, but could only look back a few years by phone. I was instructed to go into a branch and they would be able to help me. When I spoke with a branch manager in person she told me they only hold on to records for 7 years. I fully explained my situation and she again said they only go back 7 years. I called customer service again and was told by one person they could go back further if I ordered them. I was then told by another person that no they could not go back further, they could only look back 7 years, I want to know if there is ANY way possible to obtain bank account records from this account ( my mother was with me in the branch and on the phone, since it is her account ) from before XX/XX/XXXX. If I can show the payment then I can prove I made it and not be held accountable. If I ca n't get the records from the bank I have no evidence to prove my payment and will either have to pay the original amount or have the court judgment go against me and owe hundreds more. I am so upset that I paid my bill and somehow am being punished. I really hope there is something that can be done to help prove my payment. 
Thank you!",,Consent provided,Web,2017-03-21,Closed with explanation,Yes,,CR2397600,1750
2017-03-21,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,"Today, XX/XX/2016, I visited the Eagle National Bank Financial Center, XXXX XXXX XXXX, XXXX, XXXX XXXX, to attempt to deposit a check into my mothers account. I had received XXXX checks from the XXXX related to the settlement of an insurance claim. The checks were drawn upon an account XXXX had with Eagle National Bank. The checks were for {$16000.00} and {$250.00} respectively. The checks were made out in my name but I indicated to the branch manager, who was assisting me, that I would endorse the checks over to my mother 's name so that they could be deposited in my mothers account if that was necessary. I provided my XXXX Issued Drivers License as a photo ID so that they could identify who was making the deposit since it was not my account. The manager indicated that I was not allowed to deposit the check, made out in my name, into my mothers account because she had not authorized the deposit. She told me to bring my mother into the branch with me, however my mother is in XXXX and this was not possible. Additionally, I was presenting a photo identification, with a last name that matched the account holder. The manager refused to accept the deposit of the check, even if it was properly and legally endorsed in my mother 's name. 

After refusing to allow me to make the deposit, I requested that the check be cashed since it was a check drawn upon a Eagle National Bank account held by XXXX. She then asked if I had a deposit account with Eagle National Bank with which I could deposit the check. When I indicated that I had my personal deposit accounts with another bank she indicated that there was nothing she could do. When I told her that it was a Eagle National Bank account, she indicated that she needs advanced notice for a check of that size and the check would have to clear before I received the cash and since I did not have an account there was nothing she could do. I believe that this was unfair, improper, and potentially in violation of the law. 

Before leaving I indicated that I believed that it was legal for me to endorse the check and deposit into my mothers account and I did not understand why they would not accept it. I also expressed my lack of understanding as to why Eagle National Bank could not cash a Eagle National Bank check. Receiving no answer or further information I left and had to travel to my bank and deposit the check, now I have to wait for the check to clear and then issue a check in my mothers name which will take time to clear. 

As a result, there is a loss of the time value of the money, including the accrual of additional interest upon loans which the amount of money, which is not insignificant, was intended to reduce principal upon. I have been harmed by the conduct of this bank and feel that I have no recourse other than this complaint.",,Consent provided,Web,2017-03-21,Closed with explanation,Yes,,CR2397718,1331
2017-03-21,Credit card,,Identity theft / Fraud / Embezzlement,,"My banking/checking account with Eagle National Bank was compromised. I received several new debit cards after the others were closed, somehow they, too were compromised. I asked Eagle National Bank if it could be a specific vendor I was using, possibly they were obtaining my information. The claims totaled to nearly {$5500.00} over the course of about XXXX weeks. Eagle National Bank denied my initial claims, I had them reopen the claims and explained to them that I was out of the country during a portion of the time when the charges were made. The charges were all foreign transactions, with untraceable web addresses, Eagle National Bank said they denied the initial claims because it did n't seem "" suspicious '' enough. That is literally what they told me. They said if it was a true act of fraud, the thieves would have made larger transactions instead of back to back, repetitive, same or similar amounts, less than {$50.00}, over an over. I do not understand how they can justify their reading on that. They asked me to send them information proving I was out of the country, on a cruise, which I promptly did. They postponed the "" resolution '' of my claims XXXX different times. The whole process has taken over a month and a half to come to them denying the second round of claims. They told me after the initial denial that it seemed suspicious that the thieves were able to get my new debit card numbers from the temporary card and the second permanent card. Well of course it 's suspicious. The whole thing is suspicious, that 's why I reported it in the first place. I explained to them that I initially thought that the foreign transactions had something to do with the cruise line having my card & perhaps they were "" charging as I went '' on the vacation, that was n't the case, the charges had nothing to do with the cruise line. This whole situation has been extremely stressful, as the amount is quite large, it 's irritating to me that Eagle National Bank seems to not really care whether or not the money is credited or not. I thought that there were laws and Acts in place to protect consumers from things like this. Situations like this is why people do n't trust banks. I just need some advice or assistance in getting my money back, I 'm to the point now where I 'd almost accept even a portion of what was stolen, I just need some sort of resolution. ASAP. Thanks",,Consent provided,Web,2017-03-21,Closed with explanation,Yes,,CR2398346,4243
2017-03-21,Credit card,,Billing statement,,,,,Web,2017-03-21,In progress,Yes,,CR2397384,4791
2017-03-21,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2017-03-21,Closed with explanation,Yes,,CR2397699,1831
2017-03-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-03-21,Closed with monetary relief,Yes,,CR2396165,4724
2017-03-21,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,,Web,2017-03-21,In progress,Yes,,CR2397241,5159
2017-03-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,,Web,2017-03-21,In progress,Yes,,CR2397795,2863
2017-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,,Web,2017-03-21,In progress,Yes,,CR2397145,1833
2017-03-21,Bank account or service,Savings account,"Account opening, closing, or management",,,,,Web,2017-03-21,In progress,Yes,,CR2398207,9418
2017-03-21,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-03-22,Closed with monetary relief,Yes,,CR2396825,175
2017-03-20,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank closed my accounts without warning, and provided my documents advising me of this to my address from over 5 years ago. That is not what was in their system at the time they closed my account. Second of all the Representative on a recorded line advised me they closed my accounts in error, due to the my debit card being replaced in ERROR and marked as fraud by a customer service rep. When asking the manager about it. They apologized and said they would re issue me another card, Weeks later i find out Eagle National Bank deny all my claims on my checking account, and instead locks my account for 3 months with money in it. Slowly draining the account down to XXXX Dollars. When trying to call Eagle National Bank for a response, or a resolution to this matter since i do believe after being told by numerous representatives that my account was closed in error. I was told they ca n't reopen my accounts due to the Bank having me on a "" Hotfile List '' That i should speak with the CFPB instead and advise them that the accounts had numerous research charges, not only that but i was told that because the account was marked as fraud in error by THEIR Customer service AGENTS. That i would no longer be allowed to open an account at Eagle National Bank. Now when i call i am told, Sorry it was a business decision we do n't have to help you. I was never a bad Eagle National Bank customer, Maybe i went through some financial difficulties at one time. That 's not the reason the account was closed though.",,Consent provided,Web,2017-03-20,Closed with explanation,Yes,Yes,CR2395555,2397
2017-03-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I received a XXXX tax from from Eagle National Bank XXXX for an XXXX distribution of {$7000.00}. I do not have an account with them and never been a Eagle National Bank employee. After numerous calls, I was told that it was a fraudulent account opened under my name. I have requested since XX/XX/XXXX for a revised XXXX that show {$0.00}, I am still waiting to receive it.",,Consent provided,Web,2017-03-21,Closed with non-monetary relief,Yes,,CR2394338,118
2017-03-20,Credit card,,Credit line increase/decrease,,"In an effort to improve my credit, I requested a credit limit increase from each of the companies with whom I have a credit card account. All, with the exception of Eagle National Bank, pulled a soft credit inquiry to make a decision, while Eagle National Bank pulled a hard credit inquiry. While I realize they have the ability to access my credit, they should be required to advise all of their customers who are requesting a credit increase of the type of credit inquiry they intend to pull. I submitted my request online, and at no point did they inform me of this information. Had I been informed, I would have declined to continue. Their lack of informing their customer resulted in a XXXX point decrease in my credit score. They should be obligated to educate their customers on their process prior to pulling a customer 's credit, which may negatively impact them.",,Consent provided,Web,2017-03-20,Closed with explanation,Yes,,CR2394665,1882
2017-03-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,,Web,2017-03-20,In progress,Yes,,CR2395000,5338
2017-03-20,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,,Web,2017-03-20,In progress,Yes,,CR2393810,2494
2017-03-20,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,Other,Web,2017-03-21,In progress,Yes,,CR2394832,4282
2017-03-20,Credit card,,Transaction issue,,,,,Web,2017-03-22,In progress,Yes,,CR2395350,8366
2017-03-20,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,Other,Web,2017-03-21,In progress,Yes,,CR2394574,1696
2017-03-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-03-20,Closed with non-monetary relief,Yes,,CR2395305,1881
2017-03-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-03-20,Closed with explanation,Yes,,CR2395183,3984
2017-03-20,Bank account or service,Checking account,Using a debit or ATM card,,,,,Web,2017-03-20,In progress,Yes,,CR2394117,1057
2017-03-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,,Web,2017-03-20,In progress,Yes,,CR2395813,2724
2017-03-20,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,,Web,2017-03-21,In progress,Yes,,CR2394611,7765
2017-03-19,Bank account or service,Checking account,Problems caused by my funds being low,,"I opened a checking account at Eagle National Bank and elected to not have overdraft protection. About XXXX months later they covered a debit card overdraft for less than XXXX dollars and charged me XXXX dollars. I contacted them by telephone and explained the situation, they reimbursed my account and I was satisfied. Then XXXX months ago they hit me again for XXXX overdrafts.This time when I called them I got the "" POLICY '' run around and they refused to reimburse me. Can an institution violate terms of a contract by declaring a "" POLICY ''?",Older American,Consent provided,Web,2017-03-19,Closed with monetary relief,Yes,,CR2393692,835
2017-03-19,Bank account or service,Checking account,Deposits and withdrawals,,"XXXX, RI XXXX XXXX XXXX XX/XX/XXXX Eagle National Bank XXXX, FL XXXX To whom it may concern : Just reported this again to XXXX at our local XXXX news desk but wanted to message your bank again as well. Also reported this to my contact at XXXX. in XXXX, MA named XXXX at XXXX or XXXX. 

A company hired me on XXXX pretending to be XXXX. for a supposed work-at-home position doing payroll from two email addresses still in operation online as well as XXXX at XXXX and XXXX. XXXX from the real company advised about 20 other people had been affected by and reported to her the same cyber scam and corresponding email addresses in several different states. XXXX also reported this to their local XXXX, MA police. We reported this to our RI state police. 

This fraudulent company hiring sent me XXXX consecutive checks supposedly out of XXXX via XXXX in XX/XX/XXXX. The first check for almost XXXXUSD cleared at my Eagle National Bank ATM and XXXX had me transfer the funds to a XXXX account out of XXXX, CA for XXXX vendor materials to XXXX account number XXXX. 

It was only after two more checks each for almost XXXXXXXXUSD each were sent to me via XXXX and deposited that EN informed me the checks were not real and froze my bank account. Now, despite my repeated calls with about 10 EN representatives reporting the cyber fraud as reported here in my email, EN refuses to talk to the back office of the XXXX account where the funds initially went and are trying to hold me responsible for the phony XXXX check and transferred funds. 

Similarly, the back office of XXXX out of XXXX, CA refuses to talk to me as I am not the account holder even though I transferred the funds into the account there. Needless to say, this kind of scam is a big deal and I think a nice expose and perhaps and hopefully further investigation would do some justice here. Hope to hear from you. Your help is greatly appreciated. Please let me know. Have a great day. 

Thanks very much, XXXX 
Checking account number XXXX",,Consent provided,Web,2017-03-19,Closed with explanation,Yes,,CR2394087,2032
2017-03-19,Credit card,,Unsolicited issuance of credit card,,,,Consent not provided,Web,2017-03-20,Closed with non-monetary relief,Yes,,CR2393991,3042
2017-03-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,,Web,2017-03-19,In progress,Yes,,CR2394158,36
2017-03-19,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-03-19,Closed with explanation,Yes,,CR2393903,1742
2017-03-18,Bank account or service,Savings account,Problems caused by my funds being low,,"I had a checking account with Eagle National Bank that I opened around XX/XX/XXXX. I never really used the account and my balance was usually less than {$50.00} since I did n't use it. 
I just looked at my statement and noticed I had - {$2.00} in it. Eagle National Bank has been fraudulently stealing {$5.00} per month from that account since mid XX/XX/XXXX and never informed me that I needed to maintain a balance or it would charge a fee. Eagle National Bank regularly emails me and has my phone number, and NEVER informed me. Now they will not reverse the fees.",,Consent provided,Web,2017-03-18,Closed with explanation,Yes,,CR2393637,2159
2017-03-18,Bank account or service,Checking account,Deposits and withdrawals,,,,,Web,2017-03-18,In progress,Yes,,CR2393408,1482
2017-03-18,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2017-03-18,Closed with explanation,Yes,Yes,CR2393597,1413
2017-03-17,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,I 'm on XXXX for an accident i had on XXXX first. XXXX has deposited money into a Eagle National Bank account. I do not have access to this account. I have not received anything from Eagle National Bank. I found an expired Eagle National Bank XXXX and was finally able to get someone on the phone. I was told that i had to pay {$10.00} to receive a card so that i could access my money. My bills are late my phone is turned off and they 've had my money for over two weeks.,,Consent provided,Web,2017-03-17,Closed with explanation,Yes,,CR2393294,10095
2017-03-17,Bank account or service,Checking account,"Account opening, closing, or management",,"My brother died XX/XX/XXXX. We were told to keep the Eagle National Bank account open until his XXXX benefits were resolved. We started trying to close the account in XX/XX/XXXX. The last forms were signed XX/XX/XXXX, but still no money. We escalated to a formal complaint on XX/XX/XXXX. Still no money. They have an original death certificate & multiple copies provided via different methods over the past few months. XXXX XXXX XXXX at the XXXX XXXX, XXXX, VA, branch where forms were signed wo n't answer the phone & wo n't return calls. The "" Enterprise Estate Unit '' contact of XXXX XXXX has n't communicated in days. We have no idea where the account stands, and no one can tell us why it ca n't be closed. We 've been waiting months & need this money!",,Consent provided,Web,2017-03-20,Closed with monetary relief,Yes,,CR2392085,1115
2017-03-17,Credit card,,Other,,"I had an account for many years with Eagle National Bank ( revolving credit card # XXXX ) and always paid on time there is one late payment in the history which is not accurate. I have disputed this remark with no outcome. The late payment is reflected on XX/XX/XXXX. Please help I feel this is an error as I always pay my bills on time.",,Consent provided,Web,2017-03-17,Closed with non-monetary relief,Yes,,CR2393198,4346
2017-03-17,Credit card,,Advertising and marketing,,"I paid to XXXX for car rental in advance of pickup in the sum of {$160.00}. The car was to be picked up from XXXX ( XXXX ) on XX/XX/XXXX to be dropped off XX/XX/XXXX. Upon arrival at the Merchant 's office, I was asked to pay a deposit for insurance in the sum in excess of {$1800.00} ( XXXX Dollars ). I informed them that my credit card ( Eagle National Bank ) had auto-insurance that covered the rental car. They rejected and insisted I must cough out the requested amount. I reminded them that I was not informed at the time of the transaction that I would be required to pay ten times the car rental charges as insurance nor was I pre-notified that card-backed auto insurance would be rejected. 
As I could not afford what was being requested, and believing that it was a way of fleecing me, I requested to be refunded my advance payment. The Sales Representatives requested me to contact XXXX. Astonishingly, nowhere on all the receipts and other information sources were the contact details of XXXX was stated. 
I eventually was able to find the contact details on the internet and put several calls through that went into voicemails. 
The only option left was to dispute the transaction as the merchant had made it impossible for me to obtain the service I paid for. 
I provided all the information requested to Eagle National Bank and after couple of weeks, I was written a letter by the Bank that I could not be refunded because the merchant made the service available but I did not avail myself of the service. 
My complaint is that the Bank ( Eagle National Bank ) aided the merchant in under-cutting me. The Bank knowingly provided me with an auto insurance-backed credit card that they knew would not be acceptable to car rental companies and did not do anything to my knowledge to challenge the merchant as to why the auto insurance was rejected. 
The Bank 's action is a breach of Dodd-Frank Act ( UDAAP ) Unfair, Deceptive, Abusive Act Practices ) by knowingly selling to me a credit card product ( auto-insurance ) that is evidently worthless in the market place. I feel strong about this particularly the way the Bank Agent that I spoke to responded to me with a high level of non-chalance. 
I hereby appeal to CFPB to assist in investigating this deceptive transaction with the aim of recovering the sum of US {$160.00} that was surreptitiously debited to my account by the merchant in connivance with the Eagle National Bank.",,Consent provided,Web,2017-03-17,Closed with monetary relief,Yes,,CR2389740,10076
2017-03-17,Credit card,,Late fee,,,,,Web,2017-03-17,In progress,Yes,,CR2391909,5365
2017-03-17,Bank account or service,Savings account,"Account opening, closing, or management",,,,,Web,2017-03-17,In progress,Yes,,CR2392051,4348
2017-03-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,,Web,2017-03-17,In progress,Yes,,CR2393100,3522
2017-03-17,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-03-17,Closed with monetary relief,Yes,,CR2392879,977
2017-03-17,Bank account or service,Checking account,Using a debit or ATM card,,,,,Web,2017-03-17,In progress,Yes,,CR2391649,1313
2017-03-16,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Eagle National Bank has a wire transfer glitch when the phone is the same on both accounts. On Tuesday morning, XX/XX/2017, I went to transfer money from my personal account to my new business account at the local Eagle National Bank on XXXX in XXXX, TN. I stopped to ask the front attendants what was the maximum amount I could transer without a hold on a personal check. XXXX, a banking associate, invited me to her office to show me how to link my business account to my personal account on online banking and how to make the transfer easier. She called an online banking specialist to facilitate that. As she waited on the phone, she showed me how to make a transfer on my mobile phone. I did as she said -- step by step. She instructed me as she watched my every move. I could n't remember my new business account email, so she had me transfer through my mobile phone number. I have only one phone number, so it 's the same for both my personal and business accounts. In the Add Recipent form boxes, I wrote in my business name and my phone number. She led me through the process of sending money to my business. I first tried {$12000.00} and it showed a message that the maximum allowed was {$2500.00}. So, I entered {$2500.00} and pressed the button to execute the transer. I received a text to my phone with a confirmation number and the money came out of my personal account, BUT the money did not arrive to my business account. So, the banking associate called to find out what happened to the money and the call wait was too long. So, she made a physical transfer and I called Eagle National Bank customer service from home. I spoke with several people and finally with a "" money mover. '' After a few questions, he said the money had been sent to someone I had transferred to in the past. I have never transferred money from my bank account to anyone. He said that the money went to whomever had my phone number before me. I have had my same phone number since XX/XX/XXXX. He said he would make a claim and took the information. On Wednesday morning, XX/XX/2017, I went to the banking associate, XXXX, and we spoke with several people on the phone including what they called "" digital. '' The "" money mover '' had never made the claim he mentioned. After all, she said that they could not submit a claim because the transfer had "" cleared. '' After almost XXXX hours on the phone, the banking associate, XXXX, said that they would open an investigation and email me later on Wednesday. It is now Wednesday night, XX/XX/2017 at XXXX and I still have no idea where my money went and when I will get it back. Even with the banking associate explaining her involvement in this transfer glitch, Eagle National Bank has not given me access to my money. They do n't know where it went. I just do n't think it 's fair that I have to wait for them to figure it out. It is their fault that that money did not come back to my phone number on both accounts. It is also not fair that the "" money mover '' made excuses. They say that they ca n't tell me where my money went, because of some privacy law. All I know is that I followed her instructions, she watched me the entire time, she even waited for XXXX hours on the phone and vouched that it was her mistake, and regardless of all the effort, I 'm the only one affected by this loss of time and money.",,Consent provided,Web,2017-03-16,Closed with explanation,Yes,,CR2391011,3213
2017-03-16,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Hi, I was XXXX enough to fall for a scam. I was selling a table on an app called "" offer up. '' A girl messaged me that her dad was interested in the table so she asked me to e-mail him XXXX. I emailed XXXX and he said he really wanted the table and he would give me an extra {$50.00} if I took it off the site and I held it until his movers could come get it. He was apparently moving into a new apartment and was away on business so his movers would be taking care of everything. He said he would be mailing a cashiers check to me so once that cleared they would come pick the table up. A few days pass and he emails me that his assistant made a mistake and instead of writing XXXX checks, she put everything in my name. So for my {$150.00} cut he sent a check overnight for {$2600.00} through USPS. I was skeptical when the check came but it was a XXXX check from a constructiion company in XXXX. I googled the company and it is listed as a licensed company so I thought I would help this guy out. I really cant believe I deposited the check ... ..I cant stop re-living that stupidity. Anyway, the check was deposited on a sunday and by tuesday it cleared. "" XXXX '' asked that I send the {$2500.00} to the movers Eagle National Bank account. I did this and 15 mins later my account was frozen and negative. This guy is a real piece of works. Once I found out what happened and filed a police report, I decided to mess with him. I emailed him that I never heard from the movers and did he know when they could pick the table up. He just told me this am that there was a problem so I could keep another {$50.00} and to deposit the rest to XXXX in Indiana. Now Im just messing wity this piece if XXXX. How can Eagle National Bank not flag this account? I doubt its the first time this happened yet it seems the scammer is protected by bank which only enables them to kerp doing it.",,Consent provided,Web,2017-03-17,Closed with explanation,Yes,Yes,CR2391564,753
2017-03-16,Credit card,,Transaction issue,,"I have XXXX credit cards with Eagle National Bank, and have a GOOD history of making my payments on time. This month, however, someone was late sending me a check, and the cards were A FEW DAYS past due. On Sunday, XX/XX/2017, I was away from home and stopped to buy gas. My credit card would n't work. Luckily it took my debit card. This was on a Sunday afternoon. I called my bank as soon as this happened, and was told that because I was A FEW DAYS LATE, they had turned off my credit cards WITHOUT WARNING. 

What would have happened if I had n't had my debit card with me? I was a good XXXX miles away from home. I WOULD HAVE BEEN LEFT STRANDED, WITH NO WAY TO GET HOME. I WOULD HAVE HAD TO CAMP OUT IN MY CAR ALONG THE SIDE OF THE HIGHWAY AND BEEN LEFT AT THE MERCY OF PASSING MOTORISTS. I 'M XXXX YEARS OLD AND XXXX. I COULD N'T HAVE DEFENDED MYSELF IF SOMEONE HAD BROKEN INTO MY CAR WHILE I WAS IN IT. I COULD HAVE BEEN XXXX OR XXXX. 

If i had been 30 past due I would have understood this, but it was LESS THAN ONE WEEK. What if I 'd mailed a check but it had n't cleared yet? I would have STILL BEEN LEFT AT THE MERCY OF PASSING MOTORISTS. 

Why did n't Eagle National Bank NOTIFY ME THAT THEY WERE DOING THIS? I had NO WARNING WHATSOEVER. 

I got my check, the credit card payments have been made, but I have changed banks. I HAVE ZERO TOLERANCE FOR ANY BANK THAT WILL WILLFULLY ENDANGER THE HEALTH, SAFETY AND WELL BEING OF THEIR CUSTOMERS.",,Consent provided,Web,2017-03-16,Closed with monetary relief,Yes,,CR2391030,4325
2017-03-16,Credit card,,Billing disputes,,,,,Web,2017-03-16,In progress,Yes,,CR2391239,4393
2017-03-16,Credit card,,Billing disputes,,,,Consent not provided,Web,2017-03-16,Closed with explanation,Yes,,CR2390959,518
2017-03-16,Credit card,,Billing disputes,,,,Consent not provided,Web,2017-03-16,Closed with monetary relief,Yes,,CR2391640,1216
2017-03-16,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,Consent not provided,Web,2017-03-16,Closed with monetary relief,Yes,,CR2387722,2429
2017-03-16,Credit card,,Forbearance / Workout plans,,,Servicemember,Consent not provided,Web,2017-03-16,Closed with explanation,Yes,,CR2390457,945
2017-03-16,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",,Web,2017-03-16,In progress,Yes,,CR2389793,1808
2017-03-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,,Web,2017-03-16,In progress,Yes,,CR2391025,2143
2017-03-16,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,,Web,2017-03-16,In progress,Yes,,CR2391630,9433
2017-03-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-03-16,Closed with explanation,Yes,,CR2390321,3175
2017-03-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,,Web,2017-03-16,In progress,Yes,,CR2391045,569
2017-03-16,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,,Web,2017-03-17,In progress,Yes,,CR2390234,1796
2017-03-15,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank 'S ABUSE OF AUTHORITY AND VIOLATION OF THE PRIVACY ACT FOR NOT USING CARE WHEN HANDLING MY PERSONAL BANKING INFO AND LETTING A BANK REPRESENTATIVE FOR BANK OF ANERICA, XXXX, HANDLE MY DISPUTE LETTER AND PERSONAL BANK INFORMATION WITHOUT USING CARE. 
On XX/XX/XXXX, 2017, Eagle National Bank ( EN ) told me that that they will not let me open a bank account for no fair and just reason. They accused me of fraud without their security doing a an investigation and showing proof. The burden of proof was on their bank proving that I WILLFULLY COMMITTED FRAUD and they have yet did this as of today 's date. They are discriminating against me and showing unlawful bias towards me is why they will not let me open an account with Eagle National Bank. 
STILL TODAY I HAVE NOT RECEIVED ANY OFFICIAL CRIMINAL CHARGES OR CIVIL CHARGES WITH THEIR BURDEN OF PROOF SHOWING THAT I COMMITTED FRAUD. 
Plus I submitted another dispute to them to justify that they should let me open a savings account with them. 
And their lieing and saying they did n't receive my dispute so they can cause me undue hardship and burden. 
But please see proof below and attached picture where their Bank representative, XXXX, did sign for it and said that she received it. Now Eagle National Bank is lieing because they do n't want to admit that they purposely deleted it or trashed it because they can not prove their burden of proof nor show any charges filed of fraud because I did not willfully commit any fraud to Eagle National Bank. Eagle National Bank will not let me open an account because their being bias and discriminating. 

I just talked to XXXX in the Risk and Escalation Department in California at XXXX pm on XXXX/XXXX/2017, she just told me to go to XXXX and that they are not giving me any information and they are not responding to my dispute letter that they received on XXXX XXXX, 2017. 
XXXX XXXX Add Name Delivered : XXXX, FL XXXX on XXXX XXXX, 2017 at XXXX am Updated Delivery Day : On Time : Tuesday, XXXX XXXX, 2017 Additional Information Your item was delivered at XXXX am on XXXX XXXX, 2017 in XXXX, FL XXXX. 
Get Text Updates Get Email Updates Tracking History XXXX XXXX, 2017 XXXX am Delivered, XXXX, FL XXXX XXXX XXXX, 2017 XXXX am Arrived at Unit, XXXX, FL XXXX XXXX XXXX, 2017 XXXX am In Transit to Destination, XXXX XXXX, 2017 XXXX am Departed USPS Destination Facility, XXXX, FL XXXX XXXX XXXX, 2017 XXXX pm Arrived at XXXX Destination Facility, XXXX, FL XXXX XXXX XXXX, 2017 XXXX pm Arrived at XXXX Origin Facility, XXXX XXXX, FL XXXX XXXX XXXX, 2017 XXXX pm XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX, 2017 XXXX pm Acceptance, XXXX, FL XXXX Remove from Tracking Email UpdatesClose Add Another Email Send me updates for Delivery/delivery attempts only. We 'll send you an email for each delivery or delivery attempt. 

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Get Updates Name PackageClose Save Terms and Conditions of Use for Text TrackingClose Your access to, and use of, USPS Text Tracking is subject to our website Terms of Use and all applicable laws and regulations. By clicking "" I have read, understand and agree '' or otherwise accessing and using USPS Text Tracking, you accept, without",Servicemember,Consent provided,Web,2017-03-15,Closed with explanation,Yes,Yes,CR2386497,13134
2017-03-15,Credit card,,Billing disputes,,"I have a credit card from XXXX. The card fee is $ XXXX/year and starts on XXXX. On XXXX I received notice of the renewal. I asked for a card with a lower fee. It was {$49.00}. They issued the card and I paid {$49.00}. They applied the {$49.00} to XXXX to XXXX but never cancelled the {$90.00} charged. They continued to bill me {$41.00} ( $ XXXX- {$49.00} ) and objected each time for 3 months. Then I found that they reported the past dues to the XXXX credit bureaus so I relunctantly paid them the {$41.00} plus XXXX late charges totalling {$4.00}. 
They refused to reduce the {$90.00} fee to {$49.00} because they think the contract permits them to charge {$90.00} if you do n't notify them before the renewal that you do n't want to pay the fee. '' The contract with XXXX states "" The annual fee is scheduled to be assessed before you begin using your card and will reduce the amount of credit you initially have available ''. This statement is illegal in California pursuant to the California Automatic Renewal Law, California Business & Professional Code 17600. 
This law states "" a company must provide a consumer with a written acknowledgement including the uatomatic renewal offer terms, a description of the cancellation policy, information on how to cancel ''. This was NOT provided, nor did their text referring to renewals comply with Section 1760 ( c ). 
I would like my {$45.00} refunded and more importantly, instructions given to each credit bureau that there was no past due. 
i am enclosing pages referring to XXXX, and the XXXX terms and conditions which plainly does not set out the renewal terms in compliance, and note particularly that bold print appears in many places on their instructions but not where they discuss renewals. 
In addition, in XXXX ( XXXX, XXXX was sued for charging the members credit cards or the members account with a third party for an automatic renewal or continuous service WITHOUT FIRST OBTAINING THE MEMBERS AFFIRMATIVE CONSENT TO THE AGREEMENT containing the automatic renewal offer terms.",Older American,Consent provided,Web,2017-03-16,Closed with monetary relief,Yes,Yes,CR2387794,11064
2017-03-15,Credit card,,APR or interest rate,,,,,Web,2017-03-16,In progress,Yes,,CR2387687,1103
2017-03-15,Credit card,,Rewards,,,,Consent not provided,Web,2017-03-15,Closed with explanation,Yes,Yes,CR2388023,4976
2017-03-15,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-03-15,Closed with explanation,Yes,,CR2388655,3671
2017-03-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,,Web,2017-03-15,In progress,Yes,,CR2389390,1169
2017-03-15,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,,Web,2017-03-15,In progress,Yes,,CR2387635,4400
2017-03-15,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,,Web,2017-03-15,In progress,Yes,,CR2389601,729
2017-03-15,Bank account or service,Checking account,Deposits and withdrawals,,,,,Web,2017-03-15,In progress,Yes,,CR2389099,2430
2017-03-14,Bank account or service,Checking account,Problems caused by my funds being low,,"Charged overdraft fees due to EN processing charges in largest to smallest order. Their own rules state drafts will come out first, then checks written. They took out the check then the draft.",,Consent provided,Web,2017-03-14,Closed with monetary relief,Yes,,CR2387355,343
2017-03-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Dear Officer, I am writing to report that Eagle National Bank cheated me over the phone. Please ask Eagle National Bank to face the fact and explain why they should cheat its customers. Eagle National Bank has never answered this question. Eagle National Bank is still lying. That is not decent business behavior. Something is wrong within Eagle National Bank because its phone representatives misled or cheated me. 
Thank you! 
XXXX XXXX PS : The following is the detail : On XXXX XXXX, 2016, I and XXXX XXXX XXXX in her XXXX office made a phone call to Eagle National Bank ( XXXX ), regarding my home-line-equity account with Eagle National Bank. Eagle National Bank told me that my Home Equity Line account would be kept open and Eagle National Bank would refund me the payoff fee if they receive any. 
XXXX XXXX ( Tel : XXXX ) would like to serve as the witness of this issue. 
Thank you! 
XXXX XXXX",Older American,Consent provided,Web,2017-03-16,Closed with explanation,Yes,Yes,CR2387389,5539
2017-03-14,Bank account or service,Savings account,Deposits and withdrawals,,On XX/XX/2017 I went to Eagle National Bank to make a deposit into my savings I put in my ATM card press my pin the ATM slot open and I inserted XXXX inXXXX dollars bills the ATM accepted some of my cash and push out some bills it did n't accept I inserted some different bills to add into ATM.the atm began to malfunction the ATM push my card out with no receipt of proof of deposit and went blank.i called the number on the ATM and a claim rep ask me what happened and for the number I 'd of the ATM while I was on the phone with the claim rep I told her I was gon na check my account on the second ATM to see if my transactions was success upon checking the transaction did not go threw.while I was on the phone with the rep I wanted to deposit money into my checking account so I told rep I was gon na deposit {$600.00} into my checking and ask her to monitor transactions from her side in case I have trouble with the second ATM the deposit went threw successful i wanted to leave evidence in the bank and completing my transaction in the bank while claim rep on the phone.when claim rep told me they will have some one there between 24 to 48 hours to check ATM and I was gon na get a temporary credit into my savings account.i left the bank that night and return the next day and spoke with the bank manager she told me give it some time and to follow up with her if i did n't hear anything by Wednesday I waited to Saturday XX/XX/XXXX I spoke with the same manager XXXX and I told her is been a week and I have n't heard anything she said that good news I told her I was n't satisfied with a temporary credit I wanted my deposit found and a final resolution then on XX/XX/2017 Eagle National Bank denied my claim.there reason was no ATM deposit overage was reported I requested for a more thorough investigation to check both ATM and video footage and check ATM history of my deposit into my savings account there should have been some evidence from machine or video the bank escalated my claim and this time within 3 days they comeback with same decision when I ask for a more thorough investigation it took a shorter time than the initial investigation please look into this matter for me and let me know what i can do next,,Consent provided,Web,2017-03-14,Closed with monetary relief,Yes,,CR2385640,1148
2017-03-14,Credit card,,Customer service / Customer relations,,I had an account with Eagle National Bank. Unfortunately my spouse has left me and I am not employed. I am currently on public assistance ( food stamps ). I spoke with a rep awhile ago at Eagle National Bank to see if I can claim a hardship. I was told I would be sent paperwork to fill out to prove my financial hardship. I never received any paperwork. I also had requested that they stop reporting 1 's and L 's on my credit reports as this is hurting my credit very negatively. This account has been charged off to a bad debt unfortunately. I have tried soon after the abandoment to do in good faith pay my card but under the circumstances I was not able to do so. I recently spoke with a Eagle National Bank rep who had called me and they were asking to me settle on 1/2 the debt. I 'm lucky if I have {$5.00} to my name. I had agreed to pay {$30.00} for 3 months in hopes that my sibling would help me and give me the money. Unfortunately he is unable to do so he ca n't supply me with anymore funds. I am in a very hard place right now and I have tried everything in good faith to not have this happen. I am requesting that Eagle National Bank please keep to what I was told and stop reporting the L 's and 1 's on my credit reports each month. I am submitting this complaint about Eagle National Bank because they promised me being the account was written off to a bad debt that the reporting each month to the credit berous would stop. To this day they are still reporting.,,Consent provided,Web,2017-03-14,Closed with explanation,Yes,,CR2387170,46
2017-03-14,Credit card,,Other,,,Older American,,Web,2017-03-14,In progress,Yes,,CR2387137,905
2017-03-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-03-14,Closed with explanation,Yes,,CR2386642,4386
2017-03-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-03-14,Closed with explanation,Yes,,CR2383676,3185
2017-03-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,,Web,2017-03-15,In progress,Yes,,CR2386850,4025
2017-03-13,Bank account or service,Checking account,Problems caused by my funds being low,,"I paid my XXXX XXXX credit card bill online through XXXX XXXX 's website after XXXX cst on XX/XX/XXXX-17. When I checked my checking account through Eagle National Bank the next morning, I showed a transaction processing on XX/XX/XXXX-17 for the payment I made after XXXX. I am not sure why this payment was processed after XXXX on the same business day when I did not pay with a debit card, I paid per my checking account. I have never had a transaction paid through someones website process the same day. This is not possible.",,Consent provided,Web,2017-03-13,Closed with monetary relief,Yes,,CR2385210,11409
2017-03-13,Bank account or service,Checking account,Deposits and withdrawals,,"On Saturday, XXXX XXXX, 2017, I attempted to access my online account with Eagle National Bank because my payroll check was deposited on this day. I kept receiving an message that the account do n't exist. I contacted the bank and was told that my account was closed. XXXX ( not sure of the spelling ) said that EN does not have to give me a reason why they closed my account. I went to the EN branch on XXXX & XXXX ( XXXX, MN ) and the Bank Representative name was XXXX and I explained to him that I need my money so that I would not get evicted and medication. I explained to him what had taken place earlier on the phone. He called the department that closes accounts and they said again that they do not have to give me an reason and that they would my mail my money to me between 10 - 15 business days. Later on Saturday, a bank representative contacted me and I explained to her again what had taken place. She said that I should return back to the bank on Monday, XXXX XXXX, 2017 to see if I could withdraw my money. On Monday, XXXX XXXX, 2017, I went to the EN branch in the XXXX ( downtown XXXX ) and talked with XXXX. XXXX looked at my account and said that was strange. My checking is closed but my savings was still opened. XXXX called the department that handles closed accounts and spoke with XXXX. XXXX explained to him that I needed my money because I had rent to pay and to buy my medicine. XXXX asked if I was given a reason why my account was closed and I told him no. XXXX told XXXX that my account was closed on XXXX XXXX and I said that I did n't not receive any notification that my account was closed. XXXX said that my payroll check was rejected and returned to my payroll dept. I said I received notification. I was told by XXXX that my account was a risk account and they were closing it. I received nothing from them and if I had I would have contact my payroll department and intercepted so that I would have money to pay my rent and get my medicine. I am very disappointed in EN because I was give several different stories about my account and what happened. As of today, I have no money to pay rent and to get medication. This is a inconvenience and that I should have received some type of notification. If my saving is not closed, why ca n't I get my money out?",,Consent provided,Web,2017-03-13,Closed with explanation,Yes,,CR2383921,1017
2017-03-13,Credit card,,Billing statement,,"Bank Americard VISAs charging me for XXXX flight XXXX from XXXX to XXXX which took place XX/XX/2016 and returned XX/XX/XXXX. The flight was actually paid for through my XXXX card and the flight taken. Originally I attempted to book this flight on-line through a travel site called XXXX. My Visa card was denied twice by XXXX. I called both Bank Americard which said the card was fine and the travel site which said it was not their problem. Because my trip to XXXX was urgent to visit my XXXX sister, I switched to another on line travel site XXXX and booked the flight using my XXXX card. The booking was confirmed on XX/XX/XXXX, I was sent an XXXX and subsequently took the flight. I also called Bank Americard to make sure my VISA was not charged ... I believe right after I received the confirmed booking. Visa indicated my credit card had been charged and they would begin an investigation. 
I received letters from VISA Bank Americard on XX/XX/XXXX assigning me a case number and identifying a Ticket number ... the first time I was aware that a ticket might exist. On XX/XX/XXXX I received another letter from Bank Americard saying they could not resolve the dispute. The letter contained the following statement : "" The merchant was willing and able to provide the service, but was prohibited from doing so as a result of circumstances beyond their control. I asked for clarification about what this meant but the customer rep refused to reply. I received still another letter on XX/XX/XXXX repeating this explanation and demanding that I pay for the ticket. At not time did I ever receive a ticket or booking confirmation from either XXXX or XXXX. In my discussions with XXXX the customer service rep indicated they had been paid by XXXX and not Visa and I should take my dispute to the travel site. I have talked to the travel site twice but have not heard anything. They seem to be a shell company owned by a XXXX, apparently standard among on line travel sites. Please note I previously paid for the XXXX flight using my XXXX card and took flight XXXX to XXXX and return. I never ever received a confirmed booking from XXXX for the same flight i originally attempted to charge to my Visa BankAmericard. It therefore seems outrageous that I am expected to pay {$960.00} for a flight for which I never received a confirmed booking or XXXX. Someone in this convoluted affair is disassembling. Bank Americard maintains they paid XXXX, although XXXX stated to me they had only been paid for XXXX ticket with my XXXX. The Travel site XXXX refuses to say if they were the recipient of a Bank Americard payment. I have spent countless hours trying to resolve this problem. I can not. Please help me get the disputed charge of {$960.00} off my Bank Americard Visa. Thank you. XXXX thr after i received a message through a travel site XXXX through which I and",Older American,Consent provided,Web,2017-03-13,Closed with monetary relief,Yes,,CR2383451,2842
2017-03-13,Credit card,,Billing statement,,"I opened an account with Eagle National Bank ( credit card with deposit\o of {$99.00}. I did a charge for {$40.00} dlls and statement showed additional {$39.00} for fees. I called them to cancel that account and thet only returned {$17.00} dlls ( check XXXX from their account : XXXX XXXX XXXX XXXX. 
I will appreciate to aske them to return my complete money back",,Consent provided,Web,2017-03-13,Closed with monetary relief,Yes,,CR2383977,1826
2017-03-13,Credit card,,Billing disputes,,,,,Web,2017-03-13,In progress,Yes,,CR2383334,10198
2017-03-13,Credit card,,Billing statement,,,,,Web,2017-03-13,In progress,Yes,,CR2383006,2437
2017-03-13,Credit card,,Balance transfer,,,Older American,,Web,2017-03-13,In progress,Yes,,CR2384261,1612
2017-03-13,Credit card,,Billing disputes,,,,Consent not provided,Web,2017-03-13,Closed with monetary relief,Yes,,CR2383922,4572
2017-03-13,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-03-13,Closed with explanation,Yes,,CR2384564,2608
2017-03-13,Bank account or service,Checking account,Using a debit or ATM card,,,,,Web,2017-03-13,In progress,Yes,,CR2385119,4784
2017-03-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-03-13,Closed with explanation,Yes,,CR2383665,410
2017-03-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-03-15,Closed with explanation,Yes,,CR2384444,4695
2017-03-12,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,"I receive a check written on Eagle National Bank from an attorney for refund the of products furnished. The Eagle National Bank branch near my home would not cash it because I wrote my name on it instead of him XXXX handwritings then they want to charge me for cashing their on checks. I thought in U.S. 
that banks had to honor their customers checks written on their bank. 
Eagle National Bank say they are bigger than us and do not adhere to any regulations they set their own regulations.",,Consent provided,Web,2017-03-12,Closed with explanation,Yes,,CR2383020,4432
2017-03-12,Bank account or service,Checking account,Problems caused by my funds being low,,My bank account was overdrafted by {$20.00} due to a XXXX payment and Eagle National Bank changed me XXXX {$35.00} overdraft fees each when I have another account with Eagle National Bank with a few thousand dollars in there. I called them next day asked them to consider waiving the fees and the associate told me no and they would not allow me to speak with the manager because they were busy with another customer.,,Consent provided,Web,2017-03-12,Closed with monetary relief,Yes,,CR2382998,3534
2017-03-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XXXX/2016, I wrote my mother a check for XXXX dollars toward home ownership inspection. On XXXX/2016, I was the victim off bank fraud via the same check. On XXXX/2016 Eagle National Bank 's fraud investigation team submitted a claim against my mother 's bank account at XXXX, in error, believing her to be the criminal party involved. If they had properly investigated the situation, they would have verified that she did not receive the stolen funds or had a XXXX deposit for that day. On XXXX/2016, I saw that the claim had been pursued against her, not the guilty party. Of course, I had to return her money since she did not steal it from me. I believe Eagle National Bank may have pursued the claim against my mother to cover themselves by claiming to credit me, without paying for the damage themselves. The guilty party, XXXX XXXX, was shown to have deposited my check into a Eagle National Bank account and is currently being pursued by law enforcement. Eagle National Bank has since refused to return my funds.",,Consent provided,Web,2017-03-14,Closed with explanation,Yes,,CR2382622,3680
2017-03-12,Credit card,,Identity theft / Fraud / Embezzlement,,"Alleged fraud, Eagle National Bank claimed a permanent credit of {$1800.00} was added to our account for our use that Eagle National Bank knew was not actually available and supported that claim with false information to cause us to use the funds to the advantage of Eagle National Bank. Funds were not available, just a temporary fake number which was removed after use. Multiple proof in hard copy from Eagle National Bank. fraud -intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right ) - fraud -intentional perversion of truth ( claiming {$1800.00} was available in my account and the merchant had been contacted, neither was true ) in order to induce another to part with something of value or to surrender a legal right ( to falsely indicate {$1800.00} was immediately available to use on the EN credit card ). Considerable documentation and proof in hard copy. Multiple false claims by Eagle National Bank on available funds that were never there.",,Consent provided,Web,2017-03-12,Closed with explanation,Yes,Yes,CR2382717,6886
2017-03-12,Credit card,,Rewards,,"I Been preferred customers with XXXX XXXX XXXX since XX/XX/XXXX. i used to have XXXX checking account and XXXX saving account ( XXXX joint account and XXXX personnel ) and XXXX XXXX XXXX XXXX credit card. 
basically i used XXXX XXXX XXXX for everyday life needs since XX/XX/XXXX. 
XXXX of my credit card ending with ( XXXX ) i sing up for a reward programs and i earn lot off point which is equivalent of XXXX $ it took me long way to rich this point ( i spent lot of money and time for it ). 
but suddenly in last XX/XX/XXXX .i receive a letter that my account will be closed by the bank decision. all my account was close i did n't have access to none of my account and i been told that i will receive a check for everything ( my money that i have in bank my funds ) but i never receive the money that accumulate in that reward XXXX $ til now ... 
i was under the shock trying to figure out why they closed my account after 7 years of banking with XXXX XXXX XXXX ... and i keep calling them to redeem my point to benift from the reward just to use it to pay my XXXX XXXX XXXX credit card. but i feel like it is not fair at all .they use the power to take my reward from me ... but i will stand for my right to get my right back. if they send me a checks for my funds they i had in my checking and saving account they should send me a check for my rewards. and they really XXXX a mess in my life cause i had all my bill set to my XXXX XXXX XXXX and i always had a good credit so they really make a mess in my credit reports because the closed XXXX credit account in the same time they really hurt me bad. since then i been paying my bank XXXX of XXXX XXXX i clear it out ( was payed off completely ) but i steel have a othere XXXX ( XXXX ) trying to finish to pay it all as well. so i really appreciate your help if you could help me to have XXXX send me a check or use it to didactic my credit card balence ( XXXX )",,Consent provided,Web,2017-03-22,Closed with explanation,Yes,Yes,CR2383154,5326
2017-03-12,Credit card,,Closing/Cancelling account,,"My Eagle National Bank Credit Card has had frequent "" fraud alerts '' that result in shutting down the cards and re-issuing new cards. This happened XX/XX/XXXX, XX/XX/XXXX, and XXXX. All of these supposed "" fraud alerts '' are all round number purchases, {$5.00}, {$500.00}, {$1200.00}, all are adjacent to traveling. I believe that the frequency of these fraud claims is too high to be believable, I do not believe that a real fraudster would randomly choose a round number, tax in a purchase never comes to a round number. There are other instances of fraud alert in the history of my particular account that seem to be quite a high frequency. I have never had this occur before accept in XXXX from XXXX, when they called to alert me of fraud that they supposedly stopped, the next day they called to sell me fraud protection insurance. I cancelled the card. On this occasion, I no longer believe these are actually happening, but are generated from within Eagle National Bank for some internal benefit that I may not be able to fully grasp as an outsider. On this particular occasion, I travelled to XXXX for a continuing education conference, while my and children travelled to XXXX for a beach vacation. We both put in appropriate travel notices respectively to XXXX and XXXX. During our travel, Eagle National Bank claims that an "" online donation '' was made to an organization in XXXX, XXXX. I find this very hard believe because, I have never been able to make the online purchase without the printed security code on the back of the card. I am presently hypothesizing that due to risk management reason, Eagle National Bank generated their own false fraud claim because of the algorithm of two people who live in rural XXXX traveling separately to XXXX, XXXX and XXXX at the same time. Despite doing out travel notices this fraud alert occurred again and locked up our account. My wife is stranded in XXXX needing her credit card to check for her flight back to XXXX and I have had to "" hit up '' my XXXX XXXX XXXX father for cash to return to XXXX by car. I hypothesize that the risk management policies of Eagle National Bank have left more than one customer high and dry in the obsessive interest to protect their organization. I had the house painted XXXX and did the down payment on my card and the shut off the card due this purchase. It was unbelievable trying to explain to them that it was not a fraudulent purchase. Is it possible for them to self generate a "" fraud alert '' to minimize risk to their benefit, but the loss to the consumer. Help me and my stranded wife and kids.",,Consent provided,Web,2017-03-12,Closed with non-monetary relief,Yes,,CR2383028,9418
2017-03-12,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-03-12,Closed with explanation,Yes,,CR2383125,2896
2017-03-11,Bank account or service,Other bank product/service,Using a debit or ATM card,,"Eagle National Bank is the worst when it comes to fraud protection. I 'm always getting my card shut off for very small amounts ... much less than my balance and even when I 'm at dinner at a restaurant for a very small amount. I 've never had a returned check on my account and have been a customer for over 20 years. And then when I call about it it, I 'm on hold for more than 45 minutes just so I can use my card. This is ridiculous!! If they are going to put my card on hold, then get to me right away!!",,Consent provided,Web,2017-03-11,Closed with explanation,Yes,,CR2382831,986
2017-03-11,Credit card,,Billing disputes,,Eagle National Bank approved an authorization on a closed card. I cancelled my service with the company ( XXXX ) 2 months prior and I received a brand new credit card two months prior.,,Consent provided,Web,2017-03-11,Closed with monetary relief,Yes,,CR2380923,599
2017-03-11,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2017-03-11,Closed with monetary relief,Yes,,CR2381609,2771
2017-03-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2017-03-15,Closed with explanation,Yes,,CR2382756,4594
2017-03-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-03-11,Closed with non-monetary relief,Yes,,CR2382653,2500
2017-03-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,Eagle National Bank charged one year rent for a safety deposit box two years after I closed all my accounts and left the bank.,Older American,Consent provided,Web,2017-03-10,Closed with monetary relief,Yes,,CR2381806,2346
2017-03-10,Bank account or service,Checking account,"Account opening, closing, or management",,"I asked Eagle National Bank for a replacement check on a check that was made out to me and was void because it was after the 120 days. Eagle National Bank has a confusing process to navigate the system and I was on the phone for hours and days being shuffled from XXXX office to another. I was finally assured by XXXX in XXXX that she would send a replacement check. She did not do so and when I followed up on her direct line, she hides behind her voicemail and does not respond. Instead, she referred the matter back to her subordinate who was unable to assist. Eagle National Bank cancelled the original check which I have and then failed to issue a replacement despite repeated assurances to do so.",,Consent provided,Web,2017-03-10,Closed with explanation,Yes,,CR2380878,1291
2017-03-10,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited a check in the amount of {$5300.00} on Saturday XX/XX/XXXX via Eagle National Banks mobile banking app. On Monday I was given three different dates as to when my funds would be available ( currently have those print outs which the staff at one of their branches gave me ) the first availability was for the amount of {$4800.00} to be available on XX/XX/XXXX after XXXX CT. XX/XX/XXXX, I was showing an overdraft of over {$400.00} plus a over draft fee of {$35.00} and just received another notice threatening another {$35.00} fee if I do n't make a deposit by XXXX XXXX! Mind you my account was not over drawn or in the negative prior to me making my deposit. On top of that the {$4800.00} was not available. The next availability is for {$380.00} to be available on XX/XX/XXXX at XXXX ( I honestly do n't think that money will be there after being told that {$4800.00} would be in my account on XXXX XXXX ). On top of that, I am still missing {$200.00} from the original amount that I deposited. I went into the branch XXXX times this week and no one can give me answers, just empty promises. My phone is currently cut off for non payment, and my rent is severely past due. My son and I are on the verge of being evicted from my home due to them holding my funds. I am a single parent who 's family relies solely on my income. How am I suppose to function when you have been holding my funds for nearly XXXX days without so much as an explanation? In this day an age with technology ruling EVERYTHING a hold check normally takes 24 hours, they are telling me that my funds may not be released until XX/XX/XXXX! I 'll be evicted from my home by then!",,Consent provided,Web,2017-03-10,Closed with monetary relief,Yes,,CR2382459,1194
2017-03-10,Bank account or service,Checking account,"Account opening, closing, or management",,"In XX/XX/2016 I started getting monthly service fees on my Eagle National Bank account. I have had this account for over 10 years and the only thing that has changed is I have been paying my debt down and some of the loans were sold to other companies. No disclosures were mailed to me to notify me of this sudden change. When I requested a research and fee reversal - my request was denied. I demanded a name of the manager or regional manager - that was also not given to me. I was told that there is no manager at this time at the location I went to. 
This was in XXXX, WA banking center on XXXX XXXX.",,Consent provided,Web,2017-03-10,Closed with monetary relief,Yes,,CR2381588,4792
2017-03-10,Credit card,,Billing disputes,,"Eagle National Bank has repeatedly refused to accept my on time payments without explanation. After explaining this matter to countless representatives, I was repeatedly assured that the mistake was exclusively that of Eagle National Bank 's and that I was, in fact, do a refund. To date, that refund has not been posted. All of the returned payments included the full and correct account number. There is no excuse for EN 's unlawful conduct.",,Consent provided,Web,2017-03-10,Closed with monetary relief,Yes,Yes,CR2382317,4819
2017-03-10,Credit card,,APR or interest rate,,"Eagle National Bank XXXX. Misleading advertising. "" Introductory APR '' "" 0 % for 12 billing cycles '' One would think the card has 0 % for 12 months. However, fine print states that "" Applies to any balance transfers made within 60 days of opening your account '' and it ONLY applies to balance transfers, not to purchases. Very misleading.",,Consent provided,Web,2017-03-10,Closed with explanation,Yes,,CR2382250,12755
2017-03-10,Credit card,,Other,,"Ok, I have been going around and around with Eagle National Bank and my most recent conversation with some executive named XXXX XXXX has put me over the top, upset. First of all, I had sent a complaint letter to Eagle National Bank about benefits I had cut off, when they suddenly closed my account a year ago for no apparent reason. After this closure, I had built up a balance in a benefits account that they said they "" Could Not '' return to me, as per policy. I complained and in XXXX 2016, I received a phone call from an account representative who said they would rectify my problem. Weeks went by, then in XXXX, I finanally called back and was told they were working on my account and would be crediting me back a {$37.00} late fee plus they were working on the {$15.00} and change benefits I wanted credit to my account. I asked then, what should I pay for my bill that was due and was told {$100.00}. I paid that and then I got a late notation on my credit report stating I was late, because I paid {$35.00} or so, less than what was owed. Ive written letter after letter explaining that I was told to pay the {$100.00} over the phone and this XXXX XXXX told me and I quote "" I ca n't change anything without some documentation from you backing your claims ''. Well, since this was done over the phone first with an executive, then a rep, I do not have this and I told her this. I went on to say, there were multiple records of complaints I made, to XXXX XXXX, the CFPB and others, that she just needed to read over. She said she would not. Multiple times in our conversation, XXXX XXXX contradicted herself one minute stating she looked into my issue, then stated without records, she had nothing to look at, and I said it was because these were phone calls. I want this late removed from my file, as Eagle National Bank told me what to pay, I paid it and to this moment, I was never credited the {$15.00} or the other fees I was told would be credited, because these occured during my multiple complaints, in which I was attempting to adjust my balance correctly on my account. In addition, Eagle National Bank and XXXX XXXX, stated to me and I quote "" It is not our fault this occured and this is our position. Unless you produce proof, we stand by this and will do nothing more ''. How can I produce proof of a phone call??? I told her this and I told her this WAS her and Eagle National Bank 's fault, not mine. I did what I was instructed to do!",,Consent provided,Web,2017-03-10,Closed with explanation,Yes,Yes,CR2381417,151
2017-03-10,Credit card,,Rewards,,,,Consent not provided,Web,2017-03-10,Closed with non-monetary relief,Yes,,CR2380895,4619
2017-03-10,Credit card,,Delinquent account,,,,Consent not provided,Web,2017-03-10,Closed with explanation,Yes,,CR2381885,3081
2017-03-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-03-10,Closed with non-monetary relief,Yes,,CR2381250,1674
2017-03-09,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"After receiving several threatening phone calls from XXXX collection agency, I gave them bank information via email. They proceeded to collect on a debt which was previously paid. When I contacted the banks ( Eagle National Bank and XXXX ), I provided the previous payment information, including a forgiveness of debt statement from the IRS. I let the banks know I was being called and threatened with arrest even though the bill was in dispute. Based on my email, those banks paid the collection agency. Now they are harassing me on the phone, they know I am XXXX and lost my job.",,Consent provided,Web,2017-03-15,Closed with explanation,Yes,,CR2379152,3221
2017-03-09,Bank account or service,Checking account,Problems caused by my funds being low,,bank repeated ly cause me to be over drawn. would not remove XXXX charges. card reader inoperable. {$7.00} on XX/XX/XXXX they now do n't show the XX/XX/XXXX check I wrote to the XXXX I attend. they hold withdraw from account then post it after so you can be overdrawn. I have chked accont @ XXXX then @ XXXX and it is totally different than it should be. when I print it out then net time I have difficulties doint so.,Older American,Consent provided,Web,2017-03-09,Closed with explanation,Yes,,CR2378909,2720
2017-03-09,Bank account or service,Checking account,Using a debit or ATM card,,"I am a victim of identity theft and someone stole and used my Eagle National Bank Checking Account : XXXX, Money Market Rewards Savings Account Ending In : XXXX and numerous debit cards linked to the checking account, from XX/XX/XXXX through XX/XX/XXXX to make fraudulent and unauthorized transactions on my checking account. Over {$30000.00} in fraudulent transactions has been made to my checking account. {$30000.00} was debited from checking account and my checking account was closed unbeknownst to me.",Servicemember,Consent provided,Web,2017-03-09,Closed with monetary relief,Yes,,CR2378215,2097
2017-03-09,Bank account or service,Checking account,"Account opening, closing, or management",,"My mother, XXXX XXXX XXXX, had accounts at Eagle National Bank for many years. I was her Power of Attorney and handled all of her financial stuff because she had XXXX. My mom died in XX/XX/XXXX. Eagle National Bank was aware of her death because they were advised of it by Social Security and I provided them with a copy of her death certificate. I wrapped up her final expenses in XX/XX/XXXX and XX/XX/XXXX, and by the end of XX/XX/XXXX the account was closed out with a XXXX balance. In both XX/XX/XXXX and XX/XX/XXXX, Eagle National Bank charged my dead mother 's account {$24.00} each month for service charges. This is outrageous inasmuch as they know my mother is dead. Please make them stop this. Thank you.",,Consent provided,Web,2017-03-09,Closed with monetary relief,Yes,,CR2380436,130
2017-03-09,Bank account or service,Checking account,Deposits and withdrawals,,"we are the XXXX ; on XXXX we ( XXXX ) found XXXX XXXX usages in XXXX, XXXX notified the Eagle National Bank branch office here in XXXX, XXXX. they removed XXXX. then there was {$60.00} with draw on same day after they canceled all cards. next, they move deposits after they subtract money from account. makes XXXX overdrawn. when you look again the transaction are gone.correct this and return all monies back.",Older American,Consent provided,Web,2017-03-13,Closed with explanation,Yes,,CR2380746,4275
2017-03-09,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2017-03-09,Closed with explanation,Yes,,CR2377767,1243
2017-03-09,Credit card,,Other,,,,Consent not provided,Web,2017-03-09,Closed with explanation,Yes,,CR2379799,3074
2017-03-08,Credit card,,Closing/Cancelling account,,"Eagle National Bank cleverly places the amount I overpaid as a credit balance on the card. 
NOT! 
I want a paper check in the amount of the overpayment. It was cash paid to them. I want cash paid to ME. 
Further I want them to close the account as CLOSED BY CONSUMER. Otherwise they will deplete the balance with an annual fee since there is NO BALANCE.",Older American,Consent provided,Web,2017-03-08,Closed with monetary relief,Yes,,CR2377514,1893
2017-03-08,Credit card,,Billing disputes,,"Dear Sir or Madam : Eagle National Bank continues to erroneously assess late payments and interest charges to may account. As supported by all of the evidence, I paid my balance in full on time ; however, EN, for unknown reasons, returned at least two payments made by ACH deposit. Finally, weeks later, EN actually processed an online payment. Despite its numerous mistakes, EN continues to send threatening letters to me and harass me by telephone and SMS. Please intervene.",,Consent provided,Web,2017-03-08,Closed with explanation,Yes,Yes,CR2376197,4054
2017-03-08,Credit card,,Other,,I had a XXXXAmerican Express credit card that had accumulated XXXX world points on it. XXXX XXXX XXXX XXXX proactively decided to close my card with out telling me. Now I am not able to redeem my points and am wondering what gives them the right to steal XXXX points from my account????,,Consent provided,Web,2017-03-19,Closed with explanation,Yes,,CR2378622,1828
2017-03-08,Credit card,,Rewards,,"I opened a Cash Rewards credit card with Eagle National Bank in XXXX in XX/XX/XXXX. I was told by both the brochure and the onsite staffer that the card offers a {$100.00} bonus as long as my spending exceeds {$500.00} during the first 90 days. However, even though my total ( as well as individual ) purchases for the first XXXX months exceed {$500.00} ( {$1000.00}, {$680.00}, and {$570.00} respectively ), I have received no bonus up to now. I called XXXX on XX/XX/XXXX to inquire about the incident, but the customer support failed to provide an adequate explanation, saying only that the incident was too dated and that I should have called earlier. I requested to speak with her manager, but was told her supervisor was unavailable. She promised to take note of my request and call back, but I have received none up now.",,Consent provided,Web,2017-03-08,Closed with monetary relief,Yes,,CR2378344,192
2017-03-08,Credit card,,Billing disputes,,"This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and emotional distress until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!",,Consent provided,Web,2017-03-08,Closed with explanation,Yes,,CR2377000,11497
2017-03-08,Credit card,,Other,,when my credit card account was closed at XXXX ( a division of XXXX XXXX XXXX ) there was XXXX reward points in my account that they would not let me redeem. I do n't know how they think they can steal reward points that belong to people. the person at XXXX XXXX ( XXXX XXXX XXXX ) that did this is XXXX XXXX XXXX XXXX and her phone number is XXXX please do n't let her get away with this.,,Consent provided,Web,2017-03-15,Closed with explanation,Yes,,CR2377066,4492
2017-03-08,Credit card,,Payoff process,,,,Consent not provided,Web,2017-03-08,Closed with explanation,Yes,,CR2377852,2190
2017-03-08,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Other,Web,2017-03-10,In progress,Yes,,CR2377534,4593
2017-03-08,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2017-03-08,Closed with monetary relief,Yes,,CR2378681,3338
2017-03-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-03-08,Closed with explanation,Yes,,CR2376577,1719
2017-03-07,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank does not allow cash deposit to be posted to the account one deposited after XXXX through the ATM, but they are allowed to post checks and other payments after XXXX resulting in overdraft fees. For instance on XX/XX/2017 my account went into overdraft by XXXX bucks, I deposited XXXX bucks into my account at XXXX to bring my account balance to XXXX bucks. Low and below I got an alert saying saying the my account fell again to XXXX bucks after XXXX due to a monthly payment that I forgot but was unable to do anything about it since as I said earlier that cash deposits after XXXX are counted for the next day. I was subsequently charged XXXX overdraft fees totaling XXXX bucks because of there posting practices.",,Consent provided,Web,2017-03-07,Closed with monetary relief,Yes,,CR2376343,1729
2017-03-07,Bank account or service,Checking account,"Account opening, closing, or management",,"I was unfairly charged overdraft fee a couple of times without any notice from my bank about an over draft. In total i have been unfairly charged a total of XXXX overdraft fees of {$35.00} each. The most recent XXXX were charged on XX/XX/XXXX while similar XXXX on XX/XX/XXXX. In both cases I bad transfer between my accounts at Eagle National Bank while my account showed there were sufficient fund only to find overdraft fees next morning. For the most recent XXXX, I made online transfer to my own other at same bank and a transfer to a friend who also has an account at Eagle National Bank. While making these transactions, the online account showed sufficient fund and through my research i found the usually such transaction are not even allowed to happen if there are not sufficient fund. I have screenshot evidence to prove this. Upon calling the bank the representative was extremely rude and told me that "" you should know where you are wasting your money '' and also that while they recommend customers to use the app, the customer should keep track of their transactions themselves. My balance was misrepresented and the XXXX overdraft fees were charged fraudulently by my bank.",,Consent provided,Web,2017-03-07,Closed with monetary relief,Yes,,CR2374575,155
2017-03-07,Bank account or service,Checking account,Deposits and withdrawals,,went to the bank and cashed a check that was later found to be counterfeit ... i had no idea it was when it was sent to me ... the bank cleared it and did n't even hold it to just make sure it was n't counterfeit.,,Consent provided,Web,2017-03-07,Closed with explanation,Yes,,CR2373861,10988
2017-03-07,Credit card,,Credit determination,,"I have worked very hard over 25 years to have outstanding credit. I have all credit card statements sent to me by post each month and pay my credit card Statement in full, each month.  For reasons I will never know, I did not receive statements from Eagle National Bank for the months of XXXX-XX/XX/XXXX.  When I inquired about this and finally received hard copies on XX/XX/XXXX I paid the amount in full the same day and they willingly removed the delinquency fees.  When I asked them to send me proof that the bills had been sent each month so that I could work with the US Postal Service to find the problem, they could not send me any evidence that the bills had been sent. None-the-less, Eagle National Bank closed my account which affects my Credit Rating.  This is just wrong as it helps Eagle National Bank and hurts the customer.  When Eagle National Bank  causes a problem for a customer, it is in their best interest because reducing a customers credit rating allows them and all other credit agencies to charge higher fees.",,Consent provided,Web,2017-03-07,Closed with non-monetary relief,Yes,,CR2376619,2461
2017-03-07,Credit card,,Payoff process,,,,Consent not provided,Web,2017-03-07,Closed with monetary relief,Yes,,CR2376542,2774
2017-03-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-03-09,Closed with explanation,Yes,,CR2375071,4635
2017-03-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-03-07,Closed with explanation,Yes,Yes,CR2375063,1525
2017-03-06,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank REFUSES TO ANSWER QUESTIONS OR GIVE A VALID ANSWER, Subject : Your submission, number XXXX We reviewed the complaint you submitted and sent it to the company for a response. 

The company was unable to respond to your complaint because they believe you may have been a victim of fraud. You may want to contact the company directly for more information. 

THIS IS NO VALID ANSWER, ITS XXXX!!! OF COURSE IM A VICTIM OF FRAUD, AND Eagle National Bank IS THE PERPETRAITOR!!! CRIMINAL, THEYVE BEEN REPORTING ON A DEBT THATS ALLEGED, THEY CANT SHOW ANY VALIDATION NOF DEBT, FURTHERMORE ITS OVER 7 YEARS OLD!!! AND THEY PERSIST ON COMMITING CRIMES, THATS OK, WHEN THEY RECEIVE MY COMMERCIAL AFFIDAVIT AND DO NOT RESPOND THEN I WILL FILE A NON-JUDICIAL COMMERCIAL LIEN AGAINST THEM BECAUSE OF THEIR PROVEN CRIMINAL INTENT RIGHT HERE ON THIS PUBLIC FORUM IVE COMPLAINED ABOUT 10 TIMES AND THEY REFUSE TO ANSWER SILENCE IS ACQUIESCENCE SILENCE IS FRAUD SILENCE IS GUILT THEIR XXXX CRIMINAL WORKERS IN THE FRAUD DEPARTMENT KEEP ASKING ME FOR A DEBIT CARD NUMBER FROM 8 YEARS AGO,!!!! THATS PRETTY XXXX!!!!! 
FURTHERMORE THEY CAN NOT PRODUCE A VALID CONTRACT WITH ME AND THATS MORE DAMAGES!!!! THE ACCOUNT HAS BEEN CLOSED SINCE 2009,!!! 
XXXX CRIMINALS!!!!!",,Consent provided,Web,2017-03-06,Closed with explanation,Yes,Yes,CR2372594,4761
2017-03-06,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I have a Eagle National Bank Credit card. With that card I had a cash advance balance at one higher interest rate and a lower rate on my purchases. I noticed that the cash advance balance was going up instead of down and what I determined is that when they get my minimum payment they take all of the payment and pay the interest charges out for the lower interest purchases first and then they take the rest of the payment and apply it to the principal. That means that the interest accrued on the higher category cash advance is added to that higher rate principal balance as if I 'm not paying anything on the interest of the higher rate balance. Is this even legal to not take the interest rate charges out of a payment but apply it to the lower principal before paying off the interest charges first? If it 's not illegal, it 's at least misleading in how credit card interest rate charges get accounted for. 

Thank you for your help!",Older American,Consent provided,Web,2017-03-06,Closed with explanation,Yes,,CR2374128,581
2017-03-06,Bank account or service,Checking account,Deposits and withdrawals,,"On the morning of XXXX XXXX, I wake up to find that my account is down {$500.00} from a withdraw on the previous night. I check my account to find out that there has been a deposit using a check in the amount of {$520.00} and then a concurrent withdraw of {$500.00}. I file a claim of bank fraud for both transactions. Because the check was bounced back, they closed the deposit claim. Then they just rejected my {$500.00} withdraw claim so now I 'm out {$500.00}. The deposit/withdraw was made at a bank I rarely use so I do n't know what 's going on. I have already requested to see whatever film they have on file. 

I have attached a the phony check ( both front and back ), the resolution letters of both claims, the statement of the transaction on it, and the account notice of the freeze of the phony check. 

Now additionally, there has been XXXX separate instance where Eagle National Bank told me they were sending my debit card ( as a follow up to this instance ) and a credit card ( as a follow up to a previous instance ) via regular mail only to never arrive, and I had to call back to get one expedited to me.",,Consent provided,Web,2017-03-06,Closed with explanation,Yes,,CR2373370,3657
2017-03-06,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX, I 've initiated a transfer in the amount of {$820.00} from my checking account with Eagle National Bank card # ending in XXXX to a business account for XXXX with account # XXXX. The recipient account never received the funds and subsequently I filed a claim with Eagle National Bank asking for a refund. Since then, I have n't received any meaningful communications from Eagle National Bank on when i should get a refund. I need the funds to be credited back to my account and Eagle National Bank has n't been responsive enough. I am not satisfied on how Eagle National Bank is handling my claim and the burden being caused on my finances by Eagle National Bank not immediately crediting my account while continuing their never ending investigation.",,Consent provided,Web,2017-03-06,Closed with explanation,Yes,,CR2372410,1092
2017-03-06,Credit card,,Credit card protection / Debt protection,,A credit card was mailed to an address in XXXX - I live in XXXX and was never contacted about a new card bring issues Fraud happened about XX/XX/XXXX and now totals over {$7000.00},,Consent provided,Web,2017-03-06,Closed with explanation,Yes,,CR2373222,3667
2017-03-06,Credit card,,Unsolicited issuance of credit card,,"Gentlemen, I never requested a credit card from Eagle National Bank. When I received it, I called the bank asking them from where they got my Social security #. They could not answer. I asked them to close the account. Today I received a letter from Eagle National Bank with my information - all correct, but my home phone is wrong. I never had this number.",,Consent provided,Web,2017-03-06,Closed with explanation,Yes,,CR2373978,2322
2017-03-06,Credit card,,Billing disputes,,"On XX/XX/XXXX, I got a pre-approval letter for the amount of {$250000.00} from Eagle National Bank Home Loans, XXXX, WA. On XX/XX/XXXX, I made an offer ( {$230000.00} ) to purchase a home located at XXXX, XXXX, WA XXXX ( MLS # XXXX ), On XX/XX/XXXX, the lending officer XXXX ( NMLS ID : XXXX ) processed the loan application. 

On XX/XX/XXXX, my agent spoke with her personally I was terminating the purchase contract and I need a new pre-approval letter for the amount of {$270000.00} to purchase a new home, she sent the PDF new pre-approval letter to my agent. On XXXX, I met her and got the physical new pre-approval letter. 

On XX/XX/XXXX, my agent sent the Form 35R to the lending officer the purchase agreement ( MLS # XXXX ) was terminated. On XX/XX/XXXX, I told the lending officer again the purchase was cancelled. 

On XX/XX/XXXX, the lending officer asked me twice how 's the new home purchase? On XX/XX/XXXX, the she sent me the loan withdraw letter ( MLS # XXXX ) ; however, I was charged {$760.00} on XX/XX/XXXX, for the appraisal and credit report. I kept asking her to refund money to me many times but she never reply. 

On XX/XX/XXXX, I met her asked to refund money to me, she refused and said "" she received the Form 35R from my agent on XX/XX/XXXX, but it was received after business hours, the appraiser had gone to the property on XX/XX/XXXX, the fee were charged by the third party she can not refund money to me, but she will give me a Price Exception ( {$2100.00} ) for the loan cost when I find another house that would save me much more than {$760.00}. '' I told her she was notified many times the contract was terminated ( MLS # XXXX ), she obviously knew that clearly as she gave us the new pre-approval letter on the new home, and she asked me twice how 's the new home purchase so an appraisal should have never been ordered. 

On XX/XX/XXXX, I filed a claim ( ID : XXXX ) with Eagle National Bank Credit Card Billing Error Department to dispute the {$760.00} charge ; however, the result ( ID : XXXX ) was the same, the fees were charged by the third party can not be refunded. And, they never mention that purchase agreement was terminated and that 's the lending officer 's responsibility to stop the appraisal. I totally disagree with the result of their investigation ; throughout the investigation I have never been giving a chance to submit any relevant documents to support my position. 

I do know that home buyers need to pay the appraisal fee charged by the third party, but I do n't think home buyers have to pay the fee for the mistake made by the lender who had been giving plenty of notice to stop the appraisal. I am a first time home buyer I do not know much about the home buying process, but I believe that I have the right to be treated fairly in the financial marketplace. 

I try to avoid the hassle of a lawsuit please help me to resolve this problem your help would be greatly appreciated.",,Consent provided,Web,2017-03-06,Closed with explanation,Yes,Yes,CR2372249,9433
2017-03-06,Credit card,,Billing disputes,,,Servicemember,Consent not provided,Web,2017-03-06,Closed with explanation,Yes,Yes,CR2373778,5358
2017-03-06,Credit card,,Delinquent account,,,,Consent not provided,Web,2017-03-06,Closed with non-monetary relief,Yes,,CR2372420,1882
2017-03-06,Credit card,,Other,,,,Consent not provided,Web,2017-03-06,Closed with non-monetary relief,Yes,,CR2372845,2277
2017-03-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-03-06,Closed with monetary relief,Yes,,CR2372306,3774
2017-03-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Last XX/XX/2017 I went to Eagle National Bank in XXXX California around XXXX to in cash my check. The teller put my cash ( {$600.00} ) money in an envelope. As she handed to me my cash she asked what else can she do, so I asked her to check my balance. Out of my mind I forgot my cash ( envelope ) in the counter. I went to my safety box and when I 'm about to look for my cash in my bag nothing. So I went out to the teller and asked her if she saw any envelope no help. I went to the manager if she can help me, to view the cameras. But still no help. She even told me if I 'm accusing the teller, I just want her to help me. She told me to file a police report to view the camera. So I went to the police and ask me what happen. He told me You are still in their premises. Still their responsibility. But if you want file on line. So I went back to the bank and told the manager that I 'm still in your premises but no luck or help. I still filed a police report. I 'm just concern being a customer and are safety inside their premises. The way the manager attitude toward me is no help at all.",,Consent provided,Web,2017-03-05,Closed with explanation,Yes,,CR2371919,9250
2017-03-05,Credit card,,Rewards,,,,Consent not provided,Web,2017-03-05,Closed with monetary relief,Yes,,CR2372026,1512
2017-03-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-03-05,Closed with explanation,Yes,,CR2372211,3499
2017-03-04,Bank account or service,Checking account,Problems caused by my funds being low,,"I have noticed a date change in debit transactions I once had double checked as cleared. I think my bank is taking advantage of the fact that I get paid weekly and use my debit card to work. They manipulate my payments in an order that would lessen the availability for funds. This maximized the charges at an alarming amount of {$600.00} for the year of 2016. Before I make any payments, charges on my debit card I usually always check for availability. For instance there will be a certain day that all these charges will be cleared off and it just happens to be made more then just a couple of days before. Also they do not credit me when merchants have voided transaction and am told I would be credited never to see the money back in my account. The agents always blame the merchants but I they blame the bank. I have asked the Customer Service Agents to take me off there overdraft protection program and have been lied to about rules and laws for overdraft fees. Even when I was enrolled in the Overdraft plan guess what it would take money to cover the low balance but still overdraft me. So I would have to call Eagle National Bank and state the obvious reason for why I was charged incorrect. I had asked right after that incident to be taken of the Overdraft plan because I know it just gives them the ability to charge my account even when it is negative. I have argued with these so called customer service agents about my rights and they tell me they still get to charge me just for rejecting a check. My account has charges that have cleared from XXXX days previous to reoccur and all on a day purposely before a direct deposit so that my money goes to over draft fees rather then to me. Every week I will check my account for available funds only to be hit with transactions hours previous to a direct deposit to clear. They will not clear off these fees because then they would not be able to make money off me. I have time and time again asked them I wanted an account that would not allow to overdraw the account meaning transactions will be declined by merchants and customers will not be charged a fee. They tell me that them rejecting the claim there is a XXXX dollar fee for it. I know that is complete lie and incorrect I do not get notified when some of these charges are made and in reality am in no control of my account because of there rules. I want an investigation to be made because they are out right telling me that no matter what I will still be charged weather I authorized a charge or did not I will still be charged.",,Consent provided,Web,2017-03-04,Closed with explanation,Yes,,CR2371739,2484
2017-03-04,Credit card,,Payoff process,,,Older American,Consent not provided,Web,2017-03-04,Closed with monetary relief,Yes,,CR2371614,779
2017-03-04,Credit card,,Forbearance / Workout plans,,,,Consent not provided,Web,2017-03-04,Closed with explanation,Yes,Yes,CR2371955,3527
2017-03-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-03-04,Closed with explanation,Yes,,CR2371937,1350
2017-03-04,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-03-04,Closed with explanation,Yes,,CR2371700,1554
2017-03-04,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2017-03-04,Closed with explanation,Yes,Yes,CR2371946,4803
2017-03-03,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank extracted {$500.00} from a joint checking account I have with my daughter. They did this with no warning and paid it into a separate checking account I have with BofA. That account was overdrawn, which I was aware of and intend to pay. My financial woes began when my ex stopped paying child support last year. I 'm struggling to make up the difference and am in the middle of a refi, which will resolve my issues. BofA is refusing to put the {$500.00} back into the joint account so that I can use it to pay my mortgage. This was my daughter 's paycheck money. I have had the account that is now overdrawn with them since XX/XX/XXXX. The joint account was opened in XX/XX/XXXX. We are longstanding customers, and our situation is an aberration. I never signed anything that said that I allowed BofA to take money from one account and put it into another! I want the money returned to the joint account immediately. This action is jeopardizing my financial future, as I must pay my mortgage in order to qualify for the refi. This is a harmful tactic that should not be legal.",Older American,Consent provided,Web,2017-03-03,Closed with monetary relief,Yes,,CR2371472,1994
2017-03-03,Bank account or service,Checking account,Deposits and withdrawals,,I opened an account. My account was in good standing. I receive XXXX checks from my children 's father XXXX was for a fee to pay for my sons school and the other was for a child support payment. I deposited the checks. I was later notified that the account was closed. I I looked on the XXXX and it says fraud activity. My career would be affected with this being on my report also it stops me from getting myself further established. I 'm not sure why this was the course of action taken. I would like this removed because I want to establish a relationship with Eagle National Bank.,,Consent provided,Web,2017-03-03,Closed with explanation,Yes,,CR2371159,2685
2017-03-03,Bank account or service,Checking account,Problems caused by my funds being low,,"We had suspicions charges on our checking account by a hotel that we stayed in using XXXX. We reported the claim to Eagle National Bank. Eagle National Bank 's investigation consisted of calling the thieves only. We had a call scheduled with EN that XXXX was on with. EN never showed up, and deducted {$900.00} from our account, ruling for the criminals. My wife had a XXXX scheduled for today that we are unable to pay ; we can not see if she has XXXX now. Our account is overdrawn, and EN refuses to put the money back. We have XXXX XXXX and are unable to feed them. This is a life threatening situation that resulted out of EN 's incompetence and cruelty.",,Consent provided,Web,2017-03-03,Closed with non-monetary relief,Yes,,CR2370075,1330
2017-03-03,Credit card,,Delinquent account,,"( 1 ) Improper Notice In late XXXX, I made a good faith effort to pay down the balance of my AAA Financial Service ( "" AAA '' ) card, authorizing a payment of {$3000.00}, in part because they called me about my account being a month behind. This significantly lowered my outstanding balance and overall credit utilization, improving my credit score. 
Between that time and XX/XX/XXXX, I used the card. However, in mid XXXX, I learned to my surprise that charges exceeded my credit line by about {$1000.00}. HOW DOES ONE EXCEED THEIR CREDIT LINE BY {$1000.00}?!?! ARE THESE FEES?? WHY ARE N'T CHARGES DECLINED?!? The statement I had at the time did n't indicate what the charges were or when they had been made, or other information sufficient to dispute them. I spoke with a AAA customer service representative who informed me I could set up an automatic, monthly payment in the minimum amount due of {$230.00}. 
In a good faith effort to pay down the balance, I set up the automatic payment in advance of the monthly due date. My checking account statements reflect the debits. I had not received any phone calls from AAA that might indicate that anything was amiss. The first I learned of a significant issue impacting the account was XX/XX/XXXX, when my statement arrived. 

( 2 ) Refusal to Provide Effective Recourse The evening of XX/XX/XXXX, I received my AAA statement, which I immediately opened. To my shock and dismay, I learned that my next minimum payment was {$580.00} and most importantly, my outstanding balance had barely been reduced since I set up the automatic monthly payment. 
That night, I could not sleep because of the status of my account. I called the customer service line at XXXX am. I spoke with a representative who informed me that my XXXX XXXX payment had been returned but every payment thereafter had been processed successfully. This resulted in the following month 's minimum payment being {$280.00} ( news to me ). However, because I had been instructed to set up the monthly payment for {$230.00}, each payment every following month was considered late due to the {$50.00} difference. This small difference plus several months of late fees has resulted a past due amount of {$350.00} ( exceeds current payment due! ) and the highest monthly payment I have ever had to make on this account. Because AAA had contacted me by phone ( and all my other creditors still do, if there is an issue ) to inform me of an issue with the account, I did n't expect there to have been an issue, much less for an extended period of time. I asked what was my incentive to insure that the payment is made automatically in advance of the due date every month if they did n't provide proper notice of when an issue existed? I wanted to cancel the automatic payment if that 's what it took to get a phone call from AAA. 
My call was escalated to a supervisor ( XXXX, # XXXX ), who informed me that AAA would have to mail me a form to cancel automatic payments. Somehow verbal consent suffices, but they make you jump through hoops to withdraw consent. She also said that she could n't provide any information over the phone because my account was in collections. AN ACCOUNT WHICH HAS BEEN OPENED FOR 10 YEARS, FOR WHICH SIGNIFICANT PAYMENTS HAVE BEEN MADE EITHER OVER THE COUNTER OR BY PHONE FOR YEARS, AND WHICH CURRENTLY IS SET UP TO RECEIVE AUTOMATIC PAYMENTS EVERY MONTH FOR 7 MONTHS WAS IN COLLECTIONS! Not only was it news to me that the account was in collections ( that appears nowhere on my statement ), but it was also an indication of how poorly AAA treats debtors who lose sleep at XXXX am over their account status. I was told to call back at XXXX am eastern standard time. 
AAA LACKS INCENTIVE TO ADEQUATELY NOTIFY DEBTORS OR EFFECTIVELY RESOLVE ISSUES OVER THE PHONE BECAUSE DELINQUENCY GENERATES FEES & THEY DO N'T CARE IF YOU 'VE BEEN MAKING PAYMENTS AND ARE LOSING SLEEP.",,Consent provided,Web,2017-03-03,Closed with explanation,Yes,,CR2370731,2797
2017-03-03,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2017-03-03,Closed with explanation,Yes,,CR2369945,9930
2017-03-03,Credit card,,Billing disputes,,,,Consent not provided,Web,2017-03-03,Closed with monetary relief,Yes,,CR2370450,3580
2017-03-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-03-03,Closed with explanation,Yes,,CR2368420,4154
2017-03-03,Bank account or service,Savings account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-03-08,Closed with monetary relief,Yes,,CR2368951,4256
2017-03-03,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2017-03-03,Closed with explanation,Yes,,CR2371477,2686
2017-03-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2017-03-03,Closed with explanation,Yes,,CR2370295,2607
2017-03-03,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,,Web,2017-03-29,In progress,Yes,,CR2368464,4324
2017-03-02,Bank account or service,Savings account,"Making/receiving payments, sending money",,"I deposited XXXX {$1000.00} United States Postal Money Order to my Eagle National Bank account ( XXXX ) with total of {$3000.00} on XX/XX/2016. Eagle National Bank debit {$3000.00} from my account and closed it on XX/XX/2016. I spoke to the branch manager XXXX XXXX to find out why my account was closed. He said Eagle National Bank did not received money from United States Postal Service but according to United States Postal Service, these XXXX money orders were cashed by Eagle National Bank on XX/XX/2016. I have been calling Eagle National Bank for last six months about this issue but they were not returning my calls. The Eagle National Bank reference # for this case is XXXX. I have attached communication letters from United States Postal Service and Eagle National Bank.",,Consent provided,Web,2017-03-02,Closed with explanation,Yes,,CR2366413,511
2017-03-02,Credit card,,Identity theft / Fraud / Embezzlement,,"RE : CASE # XXXX Eagle National Bank There was identity theft and identity compromised. 
I have filed for a police report and the FTC identity theft victim affidavit report, and copies have been forwarded to this bank Fraud and Claims department. 
Eagle National Bank did not address this issue, and this is a claim filed per Federal Trade Commission, a file putting in complaint dispute with credit institution on debt collection and mitigating loss incur by XXXX of "" XXXX '', "" XXXX '', "" XXXX '', XXXX ''. 
Payments were made and reversed by above mentioned company "" XXXX '' USING MY IDENTITY TO XXXX TELEPHONE AUTOMATED SYSTEM. 
I ASKED Eagle National Bank THAT THE CHARGES BE TAKEN OUT OF MY BILLING WITHIN 30 DAYS AS OF XXXX. 
PLEASE HAVE THE INSTITUTION LET ME KNOW WHEN THE CHARGES ARE REMOVED.",Older American,Consent provided,Web,2017-03-02,Closed with explanation,Yes,Yes,CR2368722,11274
2017-03-02,Credit card,,Other,,,,Consent not provided,Web,2017-03-02,Closed with monetary relief,Yes,,CR2368365,2074
2017-03-02,Credit card,,Credit determination,,,,Consent not provided,Web,2017-03-08,Closed with explanation,Yes,,CR2368903,12547
2017-03-02,Credit card,,Late fee,,,,Consent not provided,Web,2017-03-02,Closed with explanation,Yes,Yes,CR2368499,3542
2017-03-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-03-02,Closed with explanation,Yes,,CR2369708,467
2017-03-02,Bank account or service,Savings account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-03-02,Closed with monetary relief,Yes,,CR2369618,4089
2017-03-02,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2017-03-02,Closed with explanation,Yes,,CR2369697,1457
2017-03-01,Bank account or service,Checking account,Problems caused by my funds being low,,"I believe that I have unfairly been charged 2 separate overdraft fees for the same day. On XX/XX/2017, Eagle National Bank processed a series of charges which caused my checking account to go negative by a few dollars. While, I very much find the timing and manner of which they processed these charges objectionable, I will concede that I did schedule more charges than was currently in my account believing that I would have time to deposit more funds ( which I did the very next day ). What I find virtually criminal is how they structured the events ( of the same day ) so that they took a minor amount from another of my accounts to charge me a "" {$12.00} overdraft protection fee '' and then charge a "" {$35.00} overdraft fee '' for the same day all processed simultaneously!",Servicemember,Consent provided,Web,2017-03-01,Closed with monetary relief,Yes,,CR2367496,3258
2017-03-01,Bank account or service,Checking account,Deposits and withdrawals,,"Woke up to find a joint acct I share with my daughter was overdrawn by {$4000.00}. Called Eagle National Bank who informed me that collection agency had gotten a judge and they over drafted the acct to satisfy it. They also over drew my daughters saving which was at - {$15.00}. When asked to provide proof of judgement they just gave out a phone number for a law firm in XXXX ( XXXX and XXXX ) even though my daughter and I reside in XXXX. Neither the bank nor the lawyer can provide proof of debt, judgement, or any amounts paid on this acct. 
This was a car loan that defaulted but was being paid by wage garnishment. 
My daughter is XXXX XXXX XXXX and I am XXXX XXXX. We need an accurate accounting and proof of debt and judgement. We have never received any communication prior to the Eagle National Bank taking funds that did no exist from XXXX acts and refusing to provide information.",,Consent provided,Web,2017-03-03,Closed with explanation,Yes,,CR2363851,1736
2017-03-01,Bank account or service,Checking account,Using a debit or ATM card,,"XX/XX/XXXX To Whom It May Concern : I would like to file a complaint regarding the handling of an unauthorized transaction on my small business checking account ending in XXXX held with Eagle National Bank ( EN ) Merrill Lynch. I am a XXXX of the business, and have been a member with Eagle National Bank since XX/XX/XXXX. 

On XXXX, I was notified via email by EN of a suspicious transaction on my business account. I discovered upon accessing my account via online banking, that there were actually XXXX unauthorized transactions pending. The XXXX transactions were : XXXX for {$640.00}, XXXX for {$420.00}, and XXXX for {$1800.00}. 

I contacted EN within the hour and informed them that these transactions were not authorized and that the access device ( debit card ) was still currently in my possession, and that there were no other authorized users for this card. That card was cancelled and a new one was issued. 

EN returned the XXXX and XXXX transactions, but informed me that the XXXX transaction had to post to my account and that I would then need to dispute the transaction. After 3 days of repeatedly calling EN to have the XXXX transaction cancelled and to not be funded, they still refused to do so. The transaction showed as posted to my account on XX/XX/XXXX, so I called in to file the dispute and I explained to the representative that I was out of state and would be until XX/XX/XXXX and that the dispute affidavit would need to be mailed to the address I was staying at. The dispute affidavit finally arrived the second week of XX/XX/XXXX after additional phone inquiries requesting the form. I completed the form on XX/XX/XXXX, and returned via mail. It is Dispute Claim : XXXX. 

A temporary credit was issued to my account on XX/XX/XXXX by EN. EN rescinded the temporary credit on XX/XX/XXXX without notifying me before hand at my business/home address, or by phone or email. 

I had verbally disputed the fraudulent charge ( s ) prior to the transaction hard posting to my account, however, EN did not take action to return the fraudulent transaction upon my notification that it was fraudulent and prior to actual item posting and is now saying that I am at fault and therefore out the funds. 

As a XXXX, I feel that I should be extended the same protection as granted to a consumer. I took the appropriate action to notify EN of the fraudulent transaction in a timely manner. They failed to take the proper action to deny the fraudulent transaction, as they had done with XXXX, and XXXX. 
As a loyal, 24 year account holder with Eagle National Bank, I should, and expect to receive a refund the full amount of the fraudulent transaction ( {$1800.00} ), and I would like to participate in prosecuting those responsible for committing these crimes. 

Points of Contact : EN Claims Dept. - XXXX XXXX Local EN Branch : XXXX Relationship Manager XXXX FL XXXX XXXX XXXX XXXX County Sherriff 's Dep : Deputy XXXX XXXX",,Consent provided,Web,2017-03-01,Closed with monetary relief,Yes,,CR2365912,3494
2017-03-01,Credit card,,Delinquent account,,"Account does not belong to me, I do not recognize this account at all, needs to be deleted",Servicemember,Consent provided,Web,2017-03-01,Closed with explanation,Yes,,CR2364264,3961
2017-03-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2017-03-01,Closed with monetary relief,Yes,,CR2365437,2148
2017-03-01,Credit card,,Transaction issue,,,,Consent not provided,Web,2017-03-01,Closed with explanation,Yes,,CR2366377,4548
2017-03-01,Credit card,,Transaction issue,,,,Consent not provided,Web,2017-03-01,Closed with explanation,Yes,,CR2366456,2162
2017-03-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,,Web,2017-03-03,In progress,Yes,,CR2365939,1576
2017-02-28,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank IS A DEFINATE CRIMINAL!! HERES THE PROOF! AFTER 5-6 COMPLAINTS ABOUT A FRIVOLOUS ALLEGED DEBT THEY HAVE FAILED TO SHOW VALIDATION, THEY RESPONDED "" IT SEEMS I HAVE BEEN A VICTIM OF FRAUD "" NO XXXX XXXX!!! AND Eagle National Bank IS THE FRAUDSTERS CRIMINALS, THEY CAN NOT PROVE THIS DEBT IS MINE AND THEY FAIL TO COMMUNICATE WITH A PROPER RESPONSE, THEY ARE EVEN REPORTING ON THIS ALLEGED DEBT PASSED 7 YEARS AND THATS A CRIME ALSO, FURTHERMORE Eagle National Bank HAS NO VALID CURRENT CONTRACT WITH ME AND THATS ANOTHER CRIME, ANOTHER POINT IS HOW CAN A XXXX AMOUNT BE PROCESSED WHEN THERE IS A XXXX BALANCE AND THEY REFUSE TO ANSWER THAT ALSO!! 
SO HERES THE VERY SIMPLE QUESTION CAN YOU PROVE THIS ALLEGED DEBT IS MINE? YES OR NO. AND SHOW RELEVENCE TO YOUR ANSWER!!! YOU OWE ME NUMEROUS DAMAGES IN VIOLATIONS PLUS PUNATIVE, I WILL SEND YOU AN AFFIDAVIT AND WHEN YOU CAN NOT ANSWER IT ILL FILE A COMMERCIAL LIEN AGAINST YOUR CORPORATION, NO JUDGE IS NEEDED XXXX,",,Consent provided,Web,2017-02-28,Closed with explanation,Yes,,CR2364737,4040
2017-02-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Dear Officer, I am writing to report that Eagle National Bank cheated me over the phone. 
On XX/XX/2016, I and XXXX in her XXXX office made a phone call to Eagle National Bank, regarding my home-line-equity account with Eagle National Bank. I was told by Eagle National Bank that my Home Equity Line account would be kept open and Eagle National Bank would refund me the payoff fee if they receive any. 
However Eagle National Bank failed to keep its promise and closed my Home Equity Line account. 
I am demanding Eagle National Bank : 1. Restore my Home Equity Line account. 
2. Refund me the payoff fee. 
Thank you! 
XXXX",Older American,Consent provided,Web,2017-03-02,Closed with explanation,Yes,,CR2365027,3763
2017-02-28,Bank account or service,Checking account,Using a debit or ATM card,,I lost my debit card and someone made some transactions that was no me and with the bank close my account and im desputing those charges and with i want tham to take that off my record,,Consent provided,Web,2017-02-28,Closed with explanation,Yes,Yes,CR2362576,3337
2017-02-28,Bank account or service,Checking account,Using a debit or ATM card,,"I used a moving company that charged my card for a lot more than the agreed amount. I notified my bank, and disputed the partial amount of {$260.00} that I was overcharged for. I did not have paperwork, as I was told it would be emailed to me. It was not. They did not remove the amount, even though I did everything I was able. 
I would like to note that out of the thousands of transactions I have done with my card, I have only disputed XXXX transactions. XXXX. The other I had a nightmare with, and I had actual documentation! They do not listen or actually take in account what is told. I was also hit with NSF fees due to this money being pulled back out of my account. I was overcharged and I want my money back.",,Consent provided,Web,2017-02-28,Closed with monetary relief,Yes,,CR2364565,3175
2017-02-28,Bank account or service,Checking account,Using a debit or ATM card,,"I was checking my account and I had some withdrawals from my account and I know I had n't been to these places and withdrawn any money. So I went to the bank and filed a fraud on my account. After filing a complaint with the bank, the bank said I had to file a fraud incident report with the police, so I did that. The policemen contacted the bank to get the paperwork and got subpoena to pull the video. Once the policemen subpoena the video from the store, the store clerk told the officer after 30 days the video records over what was on video. The officer contacted me to let me know what had happened. So I ask the officer could I get a statement and gave me the statement. But the bank said they 're not responsible for the withdrawals, because whomever use my PIN number and the decision still stands, they was n't replacing my money and it not insured when your personal PIN is used. This happened back in XXXX when I filed the fraud report. I have done everything the bank ask of me, still no money. XXXX dollars was taken.",,Consent provided,Web,2017-02-28,Closed with explanation,Yes,,CR2365223,498
2017-02-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Initiated a Eagle National Bank money transfer for {$600.00} on XXXX/XXXX/17. This transaction has been done for the past several months in the same fashion. Unfortunately, this time no email communication was sent to the recipient, as has been the case previously. Additionally, after now three business days, the communication nor the funds have been delivered. After calling last Friday I was told to wait until three business days had passed. Called again today and after completing four cold transfers and over one and a half hours on hold, finally reached a representative of their "" Move Money '' Department that told me the problem was with the receiving bank and that given these "" known '' issues it may take up to five business days. Having failed to provide notification to the recipient, as has happened in the past, it seems unlikely the issue is with XXXX XXXX instead of BofA. They did n't initiate the transfer and took the money from my account. I will have to resend this money while I wait up to ten days for them to begin their review of my claim, requesting my money be refunded, plus it can take an additional 45 days for them to return the money they have taken from me and failed to deliver to the intended recipient. In addition, for potentially holding my money hostage for 60 days, they have advised me that there is no entitlement to compensation. They say I agreed to some terms but those terms could not be relayed to me on the call nor are they available for review and verification. I expect this money should be returned with interest comparable to my savings account, the source from which the money will have to be taken while I await their review. I have an outstanding claim, for which I can use CFPB assistance in expediting. Claim # XXXX, dept phone # XXXX.",,Consent provided,Web,2017-02-28,Closed with monetary relief,Yes,,CR2364687,2698
2017-02-28,Credit card,,Late fee,,"All my credit card accounts are set up on automatic bill pay that offer the option to automatically pay the minimum amount due ... except Eagle National Bank. So, not having information on how to accomplish a minimum payment automatically, I checked the minimum listed and added {$5.00} to it. Well, yesterday I received an email saying my payment was past due and was charged {$16.00} for a late fee. Upon calling them today, I learned that they had upped their minimum payment without notifying me so my payment was not accepted and I was charged. This is the second time that Eagle National Bank has charged me an unfair fee. The first was with their changing the due date by 5 days without notifying me and claiming it was because there was a different number of days in the billing cycle. I did find out that there is a way to set a minimum payment but you have to go to a totally separate page that I was never told about to do it nor were there instructions on the page to set up auto pay.",Older American,Consent provided,Web,2017-02-28,Closed with explanation,Yes,,CR2362587,1392
2017-02-28,Credit card,,Customer service / Customer relations,,"Eagle National Bank was taking a set amount out monthly which I assumed was my minimum monthly amount but it was not. They were taking out {$70.00} but the minimum had gone up so it caused my payment to show late. I had this reoccurring being taken out so assumed all was fine. They called me finally after a year ( they say they were under no obligation to contact me to alert me to the under payment ) and I immediately called them back. By this time I owed {$730.00} to bring the account current. They were unwilling to do any adjustment to my credit record ( I told them I was n't asking for the late fees to be removed, just did n't want my credit ruined ). I paid the {$730.00} but they said it was my fault and they had no obligation to reach out earlier. This does not seem fair. I had my statements set to paperless because it is good for the environment so had n't checked them since I was on automatic payments. Is there anything that can be done to remove this from my credit history? The person I spoke with also would n't give me a reference # for the call or send me the recording ( though he said it was recorded ). He said I would have to send a subpoena. His name was XXXX XXXX but he would n't give me an employee id of any sort. The date of the call was XX/XX/2017 and the approximate time was XXXX. EST. I have learned the dangers of automatic payments and not checking the monthly statements, but am hoping that something can be done as I was not intending to do anything wrong and it seems like they should have had to contact me rather than just let the situation continue and the fees mount up and my credit be ruined.",,Consent provided,Web,2017-02-28,Closed with explanation,Yes,,CR2364733,4404
2017-02-28,Credit card,,Transaction issue,,"I received a letter from my bank, Eagle National Bank stating that my transactions ( XXXX charges : XXXX of {$4100.00} from XXXX on XXXX/XXXX/2016, a XXXX XXXX of {$1900.00} from XXXX on XXXX/XXXX/2016 and a XXXX of {$500.00} from XXXX on XXXX/XXXX/2016 ) are currently past the time frame to dispute ( 60 days ). Which after some research I found out that I have up to one year from the date of the statement to dispute using claims and defenses. I was charged by these companies for services that were not provided as described. I am very upset the way they are treating me as a customer and not even give me the chance to dispute those. I did a previous complain here CFPB case # XXXX to see if they would at least open and now they sent me this letter so I am asking your help to dispute under claims and defenses thank you.",Older American,Consent provided,Web,2017-02-28,Closed with explanation,Yes,,CR2364940,3589
2017-02-28,Credit card,,Customer service / Customer relations,,"My XXXX account was hacked on XXXX/XXXX/2017, and a gold coin was purchased for {$680.00}. As soon as I noticed this activity on my account, I contacted the merchant the same day notifying them of a fraudulent purchase and asking them not to ship which they complied with. I also contacted my credit card company the same day who started an investigation, credited my account for {$680.00} and sent me a new card. A week later the merchant issued a refund in that amount. The bank then debited my account in that amount, to even out the balance. However two weeks later the bank debited my account again in that amount. I called to complain, and was given credit, which evened the balance. Then two weeks later the bank debited my account for a third time again. My account was credited 2 times but debited 3 times.",,Consent provided,Web,2017-02-28,Closed with explanation,Yes,,CR2364033,6946
2017-02-28,Credit card,,Other,,,,Consent not provided,Web,2017-02-28,Closed with explanation,Yes,,CR2364341,875
2017-02-28,Credit card,,Billing statement,,,,Consent not provided,Web,2017-02-28,Closed with monetary relief,Yes,,CR2364777,1196
2017-02-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-02-28,Closed with monetary relief,Yes,Yes,CR2365307,1878
2017-02-28,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2017-02-28,Closed with monetary relief,Yes,,CR2364969,4664
2017-02-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,,Web,2017-03-03,In progress,Yes,,CR2365083,500
2017-02-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-02-28,Closed with explanation,Yes,,CR2364270,1606
2017-02-27,Bank account or service,Checking account,"Account opening, closing, or management",,"I recently opened a new checking account with Eagle National Bank and the application was approved on the XXXX. I updated my employer direct deposit information with this new accounf information. Eagle National Bank proceeds to close my account, with no notice on thursday. I had to call in thursday evening to find out that my account was closed and was not provided with any information. The only reason I found out was that I got a low balance notice, I logged in and checked my balance was XXXX and there was a pending {$25.00} debit. When speaking with a customer service rep I was transferred to XXXX and told my account was closed. When I found this out I checked to see if could change my direct deposit information back to the old account I had and it was too late to do this. So will be without my paycheck for at least a week while I wait for Eagle National Bank to reject the direct deposit and my employer to receive the refunds and redistribute them to me, this is a horrible inconvenience since I 'm relying on that paycheck to take care of my rent and bills due on the first of the month.",,Consent provided,Web,2017-02-27,Closed with explanation,Yes,Yes,CR2362525,11114
2017-02-27,Bank account or service,Checking account,Deposits and withdrawals,,my name is XXXX XXXX XXXX XXXX im XXXX person XXXX supplment secuity and socail secuity payments account with bank america XXXX routing number XXXX for payment XX/XX/2017 ssi and socail secuity XXXX asme account my socail secuity adriminartion inpute account above payments account person renting motel room left XXXX were XXXX jumping trains without fare paid geting tickects need to go to room rest XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX want cfpb contact bank america of my senstive information related this matter summitted your cfpb,,Consent provided,Web,2017-02-27,Closed with explanation,Yes,,CR2362000,3891
2017-02-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XX/XX/2017 I received a notification from Eagle National Bank that Online Bill Pay check of XXXX was nonsuficient from XX/XX/2017. I contacted them to findout why the payment was returned, when it was presented at XXXX and I did n't receive a notice that my account had fallen below the balance and deposit was needed until XXXX am on XX/XX/2017. I contacted their Online Bill Pay and was advised the check would be returned, I explained although I could draft another payment, being that I have payroll deposit coming into my account on Friday instead of me drafting another check, if they could just pay the payment, the representative advised me being that I have the direct deposit coming thru they could do a force payment, but their unable complete the force payment on XX/XX/2017, because it was XXXX and the department who handles this process was closed and to call Eagle National Bank on Monday at XXXX and they can do the force the payment through. The representative explained the payment would be returned but to contact the Merchant and advise them to place the payment back thru my account, because the payment would be forced thru I instructed the representative to please notate my account, so when I contact them everything will already be explained and was advised my account would be notated. 

I contacted Bill Pay at XXXX on Monday XX/XX/2017 and the first person attempted to transfer me to Online Banking and the call was dropped. I called back and the call was dropped again. I then spoke with another person when then transferred me Online Banking and spoke with a indivual by the name of XXXX who claimed that was unable to access notes left by Bill Pay and it was obvious he did n't know how to handle the call. He then transferred me to Payment Processing Department called XXXX 5 and the female said they do n't speak directly with customers only Eagle National Bank associates and said she could transfer me back to customer service, but instead transferred me to a fast busy. I then called back and spoke with another representative, who then advised me the check posted on XX/XX/2017 and continued to assure me the payment had posted, until I bascially demanded he verify this was correct information after checking, he came back on the line and explained the check was returned and reached out to this XXXX 5 group to see if the payment could be paid and he came back with the response it was being returned. I then was transferred back to Online Bill Pay, whom I made aware I was making a complaint, kept placing me on holds and she claimed she attempted to contact this XXXX 5, who gave her the same response the payment was being returned. This is just horrible customer service, their representatives do n't know the correct process and procedures and they should have honor the payment being forced as advised by their company representatives on XX/XX/2017. Eagle National Bank is horrible on all levels, when their not masking debit card transactions and posting them at later dates so that consumers will be billed overdraft fees, their providing inaccurate information and not honoring what was quoted.",,Consent provided,Web,2017-02-27,Closed with monetary relief,Yes,,CR2361473,2850
2017-02-27,Credit card,,Unsolicited issuance of credit card,,"I applied for the Alaska Mileage Plan Visa Signature card though Eagle National Bank and my application went to pending. After calling one of their credit specialists, I was told that I was approved for the card. However, a week later I received a different inferior card in the mail with a different opening bonus ( the Alaska Mileage Plan Visa Platinum ). I called and spoke with a Eagle National Bank representative and was told that I already had too much credit with them when applying for the new card and was therefore given a card with a lower limit. At no time during the approval process was I told that they were giving me a different card, as I would not have agreed. This felt like a bait and switch. I then immediately cancelled the new card to avoid having to pay the annual fee. I was told there was no way to remove the account from my credit report, even though it was not the one for which I applied.",,Consent provided,Web,2017-02-27,Closed with non-monetary relief,Yes,,CR2361775,2645
2017-02-27,Credit card,,Billing disputes,,"I got a credit card through XXXX in XXXX, North Carolina and Eagle National Bank manages this card. I never received the card or any statements. I called and asked them to cancel the card when I found out there was an open account when I was applying for a mortgage. Even after what I thought was a closed account, I received a forwarded statement from a previous address. I was told by the Eagle National Bank representative that if I paid the {$8.00} balance, then I would get {$5.00} back of that and they would remove all late payments shown on the account and I had her to update the correct mailing address. 30 days later, I receive a statement owing {$1.00} and had to call back again. I was told by the Eagle National Bank representative that would be removed. A few weeks later, I received a late notice on the {$1.00} and had to call again. The representative said it would be removed and would call me back on XX/XX/2017 to tell me everything was cleared up. Today is Monday XX/XX/2017 and no return phone call has been made. My concern is what impact this small charge and seemly lack of communication has done to my credit. To date the lates have not been removed, the {$5.00} was never refunded ( which is not a concern ) and not sure what happened with the {$1.00}. My biggest concern how can a company be so large and have that much impact on my credit with no regards to their customer service. I would appreciate any help with this matter as I value my credit and it does not seem fair the follow through on Eagle National Bank 's part to do what is the right thing when I had no communication from them until now.",,Consent provided,Web,2017-02-27,Closed with monetary relief,Yes,,CR2362145,901
2017-02-27,Credit card,,Billing disputes,,,,Consent not provided,Web,2017-02-27,Closed with explanation,Yes,,CR2361688,1341
2017-02-27,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-02-27,Closed with explanation,Yes,Yes,CR2361695,12308
2017-02-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-02-27,Closed with monetary relief,Yes,,CR2363147,422
2017-02-26,Bank account or service,Checking account,"Account opening, closing, or management",,"I have 12 bank accounts with Eagle National Bank dating back to XXXX. In XXXX of XXXX three of my accounts were hacked with fraudulent bad checks that were not signed by business partner or myself ( only two authorized signatures ). My finance director caught the fraud with 12 hours and we alerted B of A. They requested we close out server all business accounts and replace them with new ones. Then on XXXX I was sent a letter in which bank of a, XXXX said they no longer wanted my business and all of my accounts were being closed on XXXX XXXX. I went and sat down and spoke to my personal and business banker to no avail. They would n't give them any reason as to why. So I prepared myself by opening up 12 accounts at XXXX bank which welcomeed my business with open arms. I then went back to bank of a, erica on XXXX XXXX to close out my personal and one XXXX account, however the banking rep told me that b of a had already froze all of my accounts and that they will not give me my funds. In my personal account there was approximately 5200 XXXX and several business accounts contained approximately $ 40,000+ that is needed to pay my emplyees on Friday. This was explained to the banking manager at that time. She provided me with a 1-800 number that had operators reading off a script telling me that I will be mailed a cashiers check after XXXX XXXX. I explained my position and said there is no way that they can do this to me because that money is needed to pay my 32 employees and their families. I was then instructed to go back into the bank and see XXXX the XXXX. I did that on Thursday for approximately 4.5 hours trying to get out my money and over to my XXXX bank account to make payroll the following day. After much delay and several b of a people coming in and out of the office, XXXX XXXX said they can keep my money for XXXX months if they wish to do so. I called several different b of a, department heads, and supervisors and was told that nothing could be done about them keeping my money. Spoke to a gentleman named XXXX the XXXX supervisor for Eagle National Bank in Nevada and he instructed me to go back to the airport branch Friday morning and assured me that I would get my {$50000.00} plus out of al my accounts and that was all I was ever asking. However on Friday I was there at XXXX sharp and met with personal banker XXXX XXXX who was diligently trying everyone and everything saying that I needed my money to keep my business afloat. Well after staying with XXXX XXXX from XXXX ( seven hours and forty minutes ), and countless false promises that I would get my money so that I could pay my employees and their families who, were waiting at my office for their paychecks, they came to the conclusion that nobody had the authority to unfreeze my account so I could get my money and pay my bills. As a result, I had two employees hostilely up and quit after several years of working for me along with many rumors of sabbatoge to my company if they do n't receive their paychecks on Monday XXXX XXXX, XXXX. I do n't know what else to do. I do n't owe Eagle National Bank one penny and what they 've done is extremely unethical and reeks of tyranny. I do not want to do business with b of a and accept their position that they feel the same way. But I want and need my money NOW! If not, I could possibly lose everything I 've ever worked for in my lifetime. Please help and make Eagle National Bank accountable for their overzealous tyrannical dictating ways of holding on to my money. I 've already lost 4 days of interest on it. Thank you imply for hearing my side of the story. XXXX XXXX XXXX",,Consent provided,Web,2017-02-26,Closed with explanation,Yes,,CR2362565,2275
2017-02-26,Bank account or service,Other bank product/service,Using a debit or ATM card,,"XXXX XXXX, 2017 I contacted Eagle National Bank regarding a damaged credit debit visa card ending in XXXX due to a careless mail carrier bending the card. I spoke with the agent approx XXXX and requested they send me another card with the same card number that agent assured me there would be no changes and my new card would be mailed and I could continue using my old card. On XXXX/XXXX/17 I tried to pay a bill with my old card and I received an error message that said payment unsuccessful I immediately contacted EN approx XXXX and was informed that the agent instead reported my card lost/stolen locked it and issued an entirely new card without my notice. I am livid. I escalated the call to a supervisor to confirm my conversation with the agent XXXX who stated he would notate the account that if I incur any fees the bank will be held liable the supervisor confirmed notation and then promised she 'd expedite my new card and I 'd receive it Friday morning. On XXXX/XXXX/17 the Card was NOT delivered. I called EN for a third time approx XXXX and this agent informed me that the supervisor indeed expedited the card but the request had not gone in until XXXX Thursday night. I was too upset to continue the call I hung up. The card was not RECEIVED TILL SATURDAY AND I WAS UNABLE TO ACTIVATE IT BECUASE IT CONTINUED TO COME BACK READ AS AN UNRECOGNIZED NUMBER! I tried to use my card ending in XXXX for groceries and was utterly embarrassed BECUASE it came back declined!! SO, I HAVE XXXX BANK CARDS THAT ARE INVALID. NONE IN WHICH I COULD USE. So, I 've been with limited funds since Wednesday XXXX/XXXX/17. I demand an apology and some type of compensation for the stress, inconvenience, embarrassment, and pure neglect on EN behalf.",,Consent provided,Web,2017-02-26,Closed with monetary relief,Yes,,CR2360999,10276
2017-02-26,Credit card,,Delinquent account,,,,Consent not provided,Web,2017-02-26,Closed with explanation,Yes,,CR2361726,4578
2017-02-26,Credit card,,Other,,,,Consent not provided,Web,2017-02-26,Closed with explanation,Yes,,CR2362077,2658
2017-02-26,Credit card,,APR or interest rate,,,,Other,Web,2017-03-01,Closed with explanation,Yes,,CR2362093,4067
2017-02-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-02-26,Closed with explanation,Yes,,CR2361363,710
2017-02-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,Other,Web,2017-02-26,Closed with explanation,Yes,,CR2362762,3084
2017-02-25,Bank account or service,Checking account,Deposits and withdrawals,,"Bank or America made an error. On XX/XX/2017 I was to receive a deposit from the VA. It showed as a deposit alright however, it had a negative sign attached to it. Which left my account negative and over drawn. I called and was told that the deposit shows as negative because it had n't posted yet. Well, the next day it still had n't changed and this time it read "" error. '' I called and was told that they would have it corrected within 15 days. On XX/XX/2017 my other deposit from the BA hit as a positive leaving my account with less than five dollars. I kept in touch with the bank and talked to a handful of people including a bank manager. I am still waiting for them to fix the issue. In the meantime I have gone back to paper checks which take longer and I am going to have to cash them a different way because I do n't trust Eagle National Bank. I went to the bank yesterday and they said that the VA has to basically release the funds all over again and that is what they are waiting on. Once that is fixed they have to submit a ticket for the next check and the overdraft fees. I was not given another time line for that. I lost my home and have had to move into a friend 's house because the Bank owes me over 3,000 dollars.",Servicemember,Consent provided,Web,2017-02-25,Closed with explanation,Yes,,CR2359420,1938
2017-02-25,Bank account or service,Checking account,"Account opening, closing, or management",,My wife and i went to Eagle National Bank on Saturday durring regular business hours and they refused to close my accounts because i didnt have an appointment. There were tellers available and no reason for this to not be done aside from their desire to collect fees. The manager and teller were extremely rude about this. Managers name is XXXX XXXX and had an appalling attitude and disgusting service level.,,Consent provided,Web,2017-03-01,Closed with explanation,Yes,,CR2361357,10276
2017-02-25,Bank account or service,Checking account,Using a debit or ATM card,,"On XX/XX/2016, someone used my account information to make a {$1000.00} purchase at a XXXX store in XXXX, TX. I saw the transaction and immediately contacted Eagle National Bank to inform them that this was a fraudulent charge. I was at work and had not made the purchase. They opened a claim and reviewed it and eventually stated that it was not fraudulent since a PIN was used for the transaction. I filed a police report and contacted Eagle National Bank once again informing them that it was fraudulent and provided them a copy of the police report. I explained to them that I know that there have been incidents where consumers ' account information including access to PINs has been stolen. They reopened the case and again denied that it was fraudulent even with the police report and my statement. They refused to replace the funds into my account.",,Consent provided,Web,2017-02-25,Closed with monetary relief,Yes,,CR2360908,193
2017-02-25,Bank account or service,Checking account,"Account opening, closing, or management",,"On XX/XX/2017, I was suppose to receive payment for services rendered from my place of work. I attempted to check my account and to my surprise, I was locked out. I then called EN ( Eagle National Bank ) and spoke with customer service. I was n't satisfied with the outcome of my call as it was a complete waste of time because I was completely disregarded- I was on the phone for 5 hours trying to resolve the matter but accomplished no progress or answers. I then went to the Branch in XXXX, Maryland and spoke with a Manager ( XXXX XXXX ) whom i have a good relationship with and he informed me he would release my funds and allow me the funds regularly deposited every two weeks according to my pay history and take care of the matter. I expressed that I use my account to provide for myself, wife, and XXXX children but am unable to because I currently have no money to draw from. I am under the impression that no one cares about my financial hardship ; I sensed a nonchalant attitude from each member with no sense of time and understanding of my urgent situation. I have been banking with the company for 10 years where I was able to build an outstanding relationship therein up until this point and am furthermore surprised at the outcome thus far. I have nothing to show for my valued hard work deposited and am completely uninformed as to why or what is going on- this is unfair and I deserve answers.",,Consent provided,Web,2017-02-25,Closed with explanation,Yes,,CR2361122,1045
2017-02-25,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2017-02-25,Closed with explanation,Yes,Yes,CR2361182,1971
2017-02-25,Credit card,,Transaction issue,,,,Consent not provided,Web,2017-02-25,Closed with explanation,Yes,,CR2361252,121
2017-02-25,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-02-25,Closed with explanation,Yes,Yes,CR2361150,4445
2017-02-24,Credit card,,Billing disputes,,"I found a fraudulent charge of {$43.00} on my BankAmericard on XX/XX/XXXX. I immediately called Eagle National Bank ( EN ) and put it into dispute. They got back to me, credited my account with the {$43.00}, and said they would do an investigation. No other fraudulent charges were found so I did n't report the card number as stolen. On XX/XX/XXXX, my account was re-charged with the same {$43.00}. When I questioned EN I was told the vendor said they had shipped the merchandise to me and it was delivered. I said "" No, I did n't order anything nor did I get anything delivered ''. I, once again, stated this was a fraudulent charge and I wanted it removed. EN has refused. I then tried to find contact information on the so-called vendor and it does n't exist! XXXX is also involved, as the original charge came through XXXX. They refuse to help because they say my credit card has jurisdiction over them. I also asked XXXX for the contact information on the vendor. They could n't find it either!! On the morning of XX/XX/XXXX, my EN credit card blew up with over {$10000.00} in charges. I immediately called, all attempts were denied, we immediately cancelled my card and EN is issuing me a new one. Guess where the {$10000.00} in attempted charges came from? Yep, the same vendor!!!! While EN has no problem taking care of the {$10000.00}, they are still refusing to remove the original {$43.00}. I want the original {$43.00} fraudulent charge removed. That 's all I am asking.",,Consent provided,Web,2017-02-24,Closed with non-monetary relief,Yes,,CR2357164,4748
2017-02-24,Credit card,,Balance transfer,,"I received a credit card solicitation from Eagle National Bank in the mail to transfer high interest CC debt onto a Eagle National Bank CC offering 0 % interest for two years with a 3 % balance transfer fee. I filled out the provided application in the EN website that I was directed to in the solicitation and entered all the information asked for along with the {$8000.00} dollar amount of credit I needed to pay off the high interest card. I was expecting to be either approved for that whole $ XXXX amount or disapproved entirely. I immediately received an approval but for only XXXX % of the amount of the balance transfer I was asking to be credited. I was going to close the other high interest rate card if I was approved to eliminate the number of CC 's I have to better my Credit Score so that I could consolidate existing CC debt in a low interest personal or heloc loan. Instead, now I have an unwanted CC that I paid {$75.00} for, ( 3 % of balance ) which lowered my credit score XXXX to XXXX points. There was no disclosure to warn me that if I applied and was n't approved for the entire requested amount that I would be approved and given a CC for a lesser amount. This is a bait and switch unfair practice and I would like to know what my options are to rectify the damage that was done to my credit score.",,Consent provided,Web,2017-02-24,Closed with explanation,Yes,,CR2360548,3078
2017-02-24,Credit card,,Forbearance / Workout plans,,,,Consent not provided,Web,2017-02-24,Closed with explanation,Yes,Yes,CR2360835,10777
2017-02-24,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-02-24,Closed with explanation,Yes,,CR2359862,2382
2017-02-24,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2017-03-01,Closed with explanation,Yes,,CR2359086,979
2017-02-23,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank has responded 3 times now stating they think i have been a victim of fraud, NO XXXX!!! Eagle National Bank IS THE ONE COMMITTING FRAUD!!!! THEY REFUSE TO LET ME FILE AQ COMPLAINT FOR FRAUD AND THEY ARE REPORTING ON AN ALLEGED DEBT THAT THEY CAN NOT PROVE!!! ITS OVER 7 YEARS OLD TOO!!! THATS AGAINST THE LAW YOU CRIMINALS!!! DIRTY ROTTON SCOUNDRELS YOU ARE!!!! 
YOU DO NOT HAVE AND CURRENT VALID CONTRACT WITH ME YOU CAN NOT PROVE THAT DEBT IS MINE!! 
YOU ARE IN VIOLATION HAVING THIS FAKE DEBT FOR OVER 7 YEARS CRIMINALS CRIMINALS CRIMINALS!!!!!!!!!! PLEASE ANSWER MY QUESTIONS YOU ROTTON CRIMINALS, SILENCE IS ACQUESCENCE, SILENCE IS FRAUD, SILENCE IS GUILT,!!!!! WHY WONT YOU ANSWER TO ME CRIMINAL!!!!",,Consent provided,Web,2017-02-23,Closed with explanation,Yes,Yes,CR2357099,3367
2017-02-23,Bank account or service,Checking account,Problems caused by my funds being low,,"Checking account # XXXX This is with old account I had and change the account to a new account. This account was no longer active. However, a few days agao my son transfer money from his account to my account. Not knowing, the account was old and inactive account. However, Eagle National Bank, still allow the transaction to go and took the money to pay over draft fees. My son was not aware this was a inactive account, and sent money in there. To pay a bill on his behalf. When I went to look for the money he transfer me, this is when I learn, the money was transfer to the wrong account. If this account was no longer active, how could Eagle National Bank except the money? Then take money to pay off fees, I was not aware about any fees. Because I never receive a letter. How was fees still being charge, if the account was no longer active. It looks like EN was charing me overdraft fees. on account that was no longer active. Because I open a new cheacking account, due to fraud on this old accout. I feel EN looks for everyway to rip off custmers to collect fees unfairly. Please read what happens with the fees, they charge on letter below that explains everything. 

Now on this account that I had in the past. I and my wife sign up for overdraft protection with Eagle National Bank awhile back.My account is link to online backing and mobile, to receive alerts for our account. However, when account goes low it does show up right away. The amount I see available at that time does not reflect to what I really have. It takes 24 hours, or even longer on the weekends for the real amount to show. So I am unaware of the true balance of my account due to the delays. If this a weekend, I will not know my true available funds until late Monday. By that time I was charge multiple overdraft fees. Eagle National Bankn also holds on to transaction for few days, before you see it as a alert. So the balance is never accurate at time you are reviewing your account, it takes days for it to reflect. Even if you call them, the bank will say to have but so much in the account however, it not true. Due to the fact they did not account for all transactions going on. 

Its allow me to take money out I do not have and/or allow transactions to be process, charging overdraft without me knowing the real balance and charging me overdraft fees. Eagle National Bank unfairly assessed and collected. I was charge overdraft fees on debit card transactions, because Eagle National Bank allow the transaction to be process, instead of declining the transaction due to not enought funds in the account. Furthermore, for example, weeks ago Eagle National Bank allow me to withdraw money from my account, knowing I did not have the funds in the account and then turn around and charge me overdraft fees. They authorized and approved when there was insufficient funds available. How can the approve that when the funds are not there to cover the cost. It appears its the banks way in making money. I should be getting alerts on my phone to let me know when my balance is low and no funds available. However, I never receive those alerts on my cell. EN fails to reject debit card purchases if there is n't enough money in my account. Then later on I am stuck overdraft charges. Without the alerts. I am unaware of what is going on with my account. When I learn something is wrong it 's too late, EN charge me overdraft fees in the hundreds per month. I do not know about the overdraft fees until I receive a post card in the mail letting me know. By that time its too late to do anything about it.",,Consent provided,Web,2017-02-23,Closed with monetary relief,Yes,,CR2357667,731
2017-02-23,Bank account or service,Checking account,Deposits and withdrawals,,"I went to the Eagle National Bank on XXXX/XXXX/2017 to deposit my refund check into my personal checking and was informed that the check would be placed on hold for different dates, first date given was XXXX/XXXX/2017 and released at XXXX, the other date was for XXXX/XXXX/2017 at XXXX. And I was certain to have the fund for {$200.00} released on XXXX/XXXX/2017. I saw the funds for the {$200.00} today and then it was returned to the bank. They instructed this was certain to be released and no additional problems with the hold on the check. I had a choice to decide whether I would like to deposit the check or go somewhere else. But I was told the correct information then I would have went to another location or another place to cash my check. I did state it was important that I receive those funds by that date.",,Consent provided,Web,2017-02-23,Closed with explanation,Yes,,CR2357529,851
2017-02-23,Credit card,,Credit card protection / Debt protection,,"Let me start by saying clearly and plainly, we did not charge anything to this company and we have received nothing from this company. 
Now the story ; We had a Visa Signature credit card with Eagle National Bank. When we received our XXXX statement we immediately call the bank about an unauthorized credit card purchase to someone called XXXX at XXXX. We called the company and received a text mail subscriber phone number ( which is a clear indication of a typical scammer telephone ). We left a message with this XXXX company and never heard back. We sent the company an email from the email address provided by the Eagle National Bank and it was rejected as "" ADDRESS NOT FOUND ''. 

Additionally we lodged a complaint with the credit card holder, Eagle National Bank. On XXXX XXXX, we received a letter from Eagle National Bank indicating our account was credited for the full {$220.00}. But on XXXX statement the charge reappeared. The bank claims they have a receipt that proves we charged it because it has our address on it. I 'm sorry but a simple XXXX search will show anyone our address. So that is n't proof at all. 

Additionally the receipt that Eagle National Bank proved to us clearly shows the Shipping Address as "" UnConfirmed ''. Obvious since we received no package from this XXXX company. 

We do not believe that we should be forced to pay for a credit charge that we did not authorize. And that the Eagle National Bankn or their associates does not have the right to come up with "" bogus '' information to convince us to pay for their mistakes. 

We have all telephone calls with Eagle National Bank recorded if you should need to listen to them. 

Also we should note that the credit card in question was replaced in XXXX for other fraudulent charges. 

It is our opinion that Eagle National Bank is unwilling to assist us and intend to make us pay for their mistakes and inability to handle. I have attached a copy of the bogus receipt as well.",Older American,Consent provided,Web,2017-02-23,Closed with monetary relief,Yes,,CR2358861,234
2017-02-23,Credit card,,Credit card protection / Debt protection,,"My wallet was stolen in XX/XX/2015 on the subway in XXXX around XXXX. I realized I did not have possession of my wallet around XXXX that day, and I immediately went to the closest Eagle National Bank banking center to report the fraud totaling {$370.00} and cancel my card. 
There were XXXX fraudulent transaction, all within 2 hours -- XXXX EN chose to recognize as fraud, and the XXXX larger charges were denied. They stated that my PIN was entered at the time of purchase. Knowing this was false, as it was not me, i contacted the merchant and obtained copies of the receipts. Both receipts show the transaction was signed for -- XXXX different signatures minutes apart, neither being my own. 
After the initial claim was denied, I filed another with paperwork, including : receipts, ID replacement receipt, XXXX replacement receipt and a written explanation of events. A bank associate faxed these documents in. I received no notification/communication for over a month. 
I went back to the banking center, met with another associate who checked on the claim, as he found no record of it. After being there over an 2 hours, he assured I would be contacted within 48 hours with an update -- nothing. 
I called and visited the banking center several more times, with the employees never being able to find the claim information. 
I spent another 1.5 hours at the banking center today, where they placed me on hold with the call-center, while the associates stared at me smiling, and decided what to order for lunch. After XXXX transfers, the fraud specialist did find the paperwork that had I had previously filed, but stated that the notes stated it was not referenced during the 2nd investigation. Again, the claim was denied due to an "" electronic authorization '', PIN entry at purchase, even though there was clear evidence the transactions were signed for fraudulently. 
She then advised she was unable to escalate the claim further, as too much time had past, and suggested I reach out to the merchant to reimburse me.",,Consent provided,Web,2017-02-23,Closed with monetary relief,Yes,,CR2357997,2520
2017-02-23,Credit card,,Closing/Cancelling account,,This account is once again showing a current past due amount having already received confirmation there was not one ( see all attached documents through a past dispute resoluion through CFPB ). This has been going on for almost two years. Clearely there are not processes in place to ensure this does not continue to mistakenly report innaccurately. I also sent numerous correspondences by phone and email to BAC requesting they remove the tradeline to match what XXXX had done to ensure the problem would not continue ( attached as well ). I never received any reply.,,Consent provided,Web,2017-02-23,Closed with explanation,Yes,Yes,CR2358385,2811
2017-02-23,Credit card,,Advertising and marketing,,"While booking a flight with XXXX, I was targeted for a XXXX miles + {$100.00} bonus ( after a minimum spend of {$1000.00} in first 90 days ) for the XXXX Visa Signature card. Seeing the alluring offer and the great bonus that would have reduced the cost of my current purchase, I applied via the online application and got approved after the usual credit check. I proceeded to use my newly approved credit card for my XXXX purchase - and all went smoothly. 
After about an hour of not receiving any email from Eagle National Bank ( the credit card issuer ) or XXXX congratulating on my approval, I searched the internet about the reviews of the credit card and found a cautionary blog ( XXXX/ ) informing me of the unethical advertising scheme that I just got trapped into. The author writes about his experience of applying for the Visa Signature card ( with XXXX miles + {$100.00} bonus and plenty of frills ) but getting approved for the "" Visa Platinum Plus '' card - which is a lower end credit card with NONE of the advertised benefits or bonuses applicable. 
Really wary of this fraudulent marketing, I called up Eagle National Bank reconsideration line and the consumer representative confirmed that I was not approved for the Visa Signature card but for the inferior Visa Platinum Plus card - which has none of the bonuses/benefits that led me to apply for a new card in the first place. The Visa Platinum Plus card does not appear on Eagle National Bank/XXXX websites and there was no way I could have known that I would be getting no benefits at all. 
I am reporting this swindling "" bait-and-switch '' marketing plot by Eagle National Bank/XXXX where consumers are lured by high bonuses and embellishments but are not informed that they will be approved for the worthless inferior Visa Platinum Plus card.",,Consent provided,Web,2017-02-23,Closed with explanation,Yes,,CR2356094,259
2017-02-23,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2017-02-23,Closed with explanation,Yes,,CR2358419,1875
2017-02-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-02-23,Closed with monetary relief,Yes,,CR2357976,2583
2017-02-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-02-23,Closed with explanation,Yes,,CR2358403,2306
2017-02-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-02-23,Closed with monetary relief,Yes,,CR2356135,1556
2017-02-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-02-23,Closed with monetary relief,Yes,,CR2357753,3462
2017-02-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-02-23,Closed with explanation,Yes,,CR2358398,1566
2017-02-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Other,Web,2017-02-28,Closed with explanation,Yes,Yes,CR2357202,908
2017-02-22,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank was holding a few transactions which were small enough to keep my account from going into overdraft. They were processing these transactions for days until a larger paper check came through which resulted in a transaction reordering. This has happened before and should be illegal and really investigated like it was in 2012. Legislation under the Obama administartion was overlooked and the Federal reserve has done nothing to help the 8 % of the bank account owners from going into deeper debt. 

Transaction reordering should definitely be a crime and investigated to the extent! I just paid {$60.00} x2 for my XXXX credit card payments and over XXXX for a XXXX cable bill. 
' We need to put an end to this and rewrite these Algorithms which are making the banks richer and the poor poorer. They also started charging me a XXXX per month fee to keep the account after 12 years. 
Please help put an end to this and throw these crooks to the curb!",,Consent provided,Web,2017-02-22,Closed with monetary relief,Yes,,CR2356038,3983
2017-02-22,Bank account or service,Checking account,Deposits and withdrawals,,"I have had a bank account with Eagle National Bank and their predecessors for more than 40 years. My bank account does not reflect electronic funds in the amount of {$440.00} which was supposed to be directly directly deposited in my checking account. I will attach email sent to me by XXXX announcing such payments by XX/XX/2017 but no money ever appeared in my bank account. I will also attached picture of activities in my Eagle National Bank account for you to verify that no money ever appeared as announced in the attached email. 
I have already emailed XXXX to further investigate this matter at their end but I believe is Eagle National Bank ' illicit behavior what has been causing me loss of my money and credit worthiness. They have acted without any supervision or accountability for mistreating and taking advantage of consumers. 
I had a similar problem with Eagle National Bank last year when I filed a complaint against them and I am still waiting to receive an answer. 

I hope you enforce the law in organizations defrauding people like me that I am a provider being pushed into bankruptcy due in part to Eagle National Bank. They are have continued disposing of my money illegally. 
The Individual appointed by the bank to do the investigation from the complaint filed last year never returns my phone calls or responds to my request to set up a phone appointment. She knows full well I am a provider and ca n't answer phone calls while providing care. 
Eagle National Bank 's negligent and dismissive response to my previous complaint when funds were not paid as scheduled and future payments, not scheduled by me replaced, the one never sent to XXXX. I am currently paying 26 % in interest as a result of this matter. Eagle National Bank 's behavior demonstrates inability to ensure the security of consumers hard earned money. This is serious enough to render them ineligible to perform their duties. 

I appreciate all the interest you put to my case. The amount of financial problems associated with Eagle National Bank unaccountability and unresponsiveness are too long to describe here. 
Please advise me on the best course of action. 
You can publish my case but not my name or account number. I believe it may cause me additional consequences.",,Consent provided,Web,2017-02-28,Closed with explanation,Yes,,CR2354505,4163
2017-02-22,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX, I received a text message from Eagle National Bank ( henceforth EN ) asking if a few suspicious transactions were legitimate. I immediately responded "" NO '' as directed. Immediately afterwards called EN to cancel the card, where I was told that the card was cancelled. 

In actuality, they never cancelled the card, and the thief went on to continue using the card, withdrawing XXXX dollars. I have been back and forth with EN three or four times, and each time they say they will re-open the claim, and every time they say it was not their fault and re-close the claim. 

Again, I flagged these transactions and called to cancel the card and got confirmation that it was cancelled, and they never actually did! MOST of the theft occurred AFTER I called EN to confirm the fraud and cancel the card. 

At this point, I am out over $ XXXX, and they keep giving me the run around. How can Eagle National Bank act like this? They flagged the transactions to me in the first place and I called in to cancel the card! This is entirely their fault, and it has put me in a serious pinch.",,Consent provided,Web,2017-02-22,Closed with monetary relief,Yes,,CR2354510,11406
2017-02-22,Bank account or service,Checking account,Problems caused by my funds being low,,"Thank You for your help, i have a account with Eagle National Bank. I knew my balance was low so on tues XX/XX/XXXX i checked my account on line at XXXX it was ok, so i headed to work i start at XXXX i am a XXXX so the time i checked my account was on wed XX/XX/XXXX at XXXX i seen that the bank had charged me {$35.00} for not having insufficent funds ( - {$6.00} ) i called the bank and i explained that i checked my account on XX/XX/XXXX at XXXX i explained to garret the supervisor what happened that the bank was closed from XXXX to XXXX a total of 15 hours common sense would tell you this is not right i told him that he should refund my money because i was not given enough time to correct the problem he refused..",,Consent provided,Web,2017-02-22,Closed with monetary relief,Yes,,CR2356142,737
2017-02-22,Credit card,,Other,,"I ask for a Business Credit Card 1 month ago, but the Bank pulled my Credit Report 3 times. 


I applied for a business credit card on XX/XX/2017. 

But I have 3 inquiries XXXX XX/XX/2017, XX/XX/2017 and XX/XX/2017 )",,Consent provided,Web,2017-02-22,Closed with explanation,Yes,,CR2354934,2373
2017-02-22,Credit card,,Balance transfer,,I have a balance transfer card with Eagle National Bank with XXXX balance transfers at a promotional rate of 0 % APR. XXXX balance of $ XXXX where the promotional rate expires XXXX/XXXX/XXXX and XXXX balance of $ XXXX where the promotional rate expires XXXX/XXXX/XXXX. I was under the impression that payments would be allocated to the balance that the promotional rate expires first. However all payments are being applied to the balance with the expiration date of XXXX/XXXX/XXXX. Therefore my balance of $ XXXX will start having interest applied even if I have made enough payments to cover that balance. I was not informed about this payment application practice on the original contract nor is it detailed on any periodic statement. I would not have transferred either balance nor entered into the contract with EN had I been presented this information. I feel like I did not have all of the relevant and material information presented to me prior to consummation of the contract.,,Consent provided,Web,2017-02-22,Closed with non-monetary relief,Yes,,CR2355320,2193
2017-02-22,Credit card,,Customer service / Customer relations,,"I received a PreApproval offer from Eagle National Bank to get a cash rewards Credit Card with them. I hesitated and later decided to accept it. I accepted the off only because I was told by them that I was PreApproved, I was then denied. I am okay with not getting the card but now I am stuck with an inquiry that 's not attached to an account. I called today asking for a letter to have it removed because I felt that it was unfair to say I was preapproved and then deny me and leave me with this hard pull. I told the XXXX different agents that I spoke with that I was not upset but only wanted to have the inquiry removed. The first agent was nice and respectful but stated she could not have it removed by law and transferred me to a very rude and disrespectful agent. I feel that this is very unfair and unprofessional.",,Consent provided,Web,2017-02-22,Closed with explanation,Yes,,CR2355080,4169
2017-02-22,Credit card,,Closing/Cancelling account,,"in XX/XX/XXXX I received a notice from alaska airlines visa signature credit card that I owed {$170.00}. this was {$100.00} purchases on the card and {$75.00} renewal fee for the card. 
on XXXX I paid them {$100.00} and cancelled the card. 
each subsequent month, I have received a higher bill from bank of XXXX. 
I have attempted to negotiate with the a number of times, they have subtracted a late fee once or twice but still keep billing me for increasing amounts, even though the card has not been used since XX/XX/XXXX and was cancelled in XX/XX/XXXX I even paid them a late fee after the latest negotiation on XX/XX/XXXX of {$27.00}. 
however, they continue billing me and the total due XX/XX/XXXX is {$230.00}. 
can you please help?",Older American,Consent provided,Web,2017-02-27,Closed with monetary relief,Yes,,CR2355058,3954
2017-02-22,Credit card,,Delinquent account,,,,Consent not provided,Web,2017-02-22,Closed with explanation,Yes,,CR2353114,6256
2017-02-22,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2017-03-02,Closed with explanation,Yes,,CR2353482,5249
2017-02-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2017-02-22,Closed with explanation,Yes,,CR2356258,6944
2017-02-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-02-22,Closed with non-monetary relief,Yes,,CR2353364,83
2017-02-21,Bank account or service,Checking account,"Account opening, closing, or management",,"Dear CFPB Officials and Financial Service Providers : I am prompted to write this complaint because, through no fault of my own, I have been effectively barred from the financial industry - and the costs of being un-banked are simply enormous. Even though I continue to earn money I am paid via U.S. checks and despite trying every bank that I could reach - none of them would cash the check without me first opening a checking account. And although I have tried opening a checking account at more than XXXX separate US banks - I continued to be denied access to even the most basic checking or savings account. Generally speaking, these banks do not tell me why I am denied, just that they have made a business decision to not offer their services to me ( although I continue to receive targeted advertising offers in the mail, through email, etc. ) I have lived for a while now paying excessive fees to have my checks cashed via special check cashing businesses but the fees are outrageous and the time spent waiting for a check to clear is often in excess of 10 days. I am very much at my wits end because I am not sure what else to do. I have tried repairing my credit but due to an unresolved identity theft event that occurred in 2013 - I am having difficulty doing so. I have even gone through all the steps to correct my credit report but the various financial institutions will not remove the false information despite multiple police reports, affidavits, etc. Additionally, twice I have gone through the lengthy process of applying for a new Social Security Number and twice the Social Security Administration lost my paperwork. 

Without rambling on forever, I am attempting to resolve this situation by granting my Mother durable power of attorney rights in hopes that she will be able to sign and cash the checks I have received as well as provide basic banking services for me. In addition to the costs associated with paying check cashing processors, without a bank account I pay more for everything and am even denied by entire business sectors. For example, despite searching for months I have yet to find a health insurance provided that allows payment via cash, I am unable to take advantage of the savings associated with purchasing things online, I am barred from consumer services such as XXXX, XXXX, XXXX, etc - because I can not input a credit or debit card number, and I would say generally being without a checking account almost doubles the cost of living through increased prices, limited consumer services, and significant delays associated with cashing checks. 

In light of this, I would ask that Eagle National Bank honor the attached durable power of attorney. My mother and I have previously attempted cooperate with our local bank on how to resolve this situation but the necessary documents and instructions required of us are vague and keep on changing. Thus I am writing this complaint in hopes to spur a resolution that would provide remediation the problems associated with being un-banked. 

Further, I wish for the bank to investigate whether the decision to deny me access to basic banking services has to do with the fact that I have reported fraud to the SEC, CFPB, and OCC concerning illicit account opening practices and BSA compliance failures.",,Consent provided,Web,2017-02-21,Closed with explanation,Yes,,CR2353029,542
2017-02-21,Bank account or service,Checking account,Using a debit or ATM card,,"I live in XXXX. On XX/XX/2017 & XX/XX/2017 someone if XXXX went to a XXXX Eagle National Bank using my husbands name and made XXXX transactions for a total of {$22000.00}. The bank did not question it or notify me of this. I found it myself. I filed a Fraud claim with the Bank - Claim # XXXX. The denied the claim via email on XX/XX/2017 stating they had not been notified that or identification was lost or stolen and that the signatures on the items we claimed were consistent with the sample of the signatures on file with them. Neither are correct and we have never been to XXXX. I went again to the local bank today who contacted the Fraud dept and was told that the claim was denied and they would not re-open it. They would also not let us file a new claim on any transactions that were already filed on. Basically I 'm out my $ XXXX and that 's it, Eagle National Bank will not return my money.",Older American,Consent provided,Web,2017-02-21,Closed with monetary relief,Yes,,CR2353118,2735
2017-02-21,Bank account or service,Checking account,"Account opening, closing, or management",,"My father died on XXXX/XXXX/17 ; he has a checking account at Eagle National Bank. I called EN for instructions for accessing the account since I am the sole beneficiary/executor. They gave me a list of the documents they needed & gave Estates Dept fax number. I went to the local branch & had then faxed. In follow up calls to EN Estates Dept, they were unable to find documents faxed. After this happened three times ( local branch faxing/documents not found at Estates Dept ), I threatened with legal action & CFPB complaint. The documents were found, but I was told I needed to fax another document ( which I had specifically asked if they needed twice prior, as my lawyer provided it to me and I had been told by Estates Dept they did n't need it ). A supervisor at EN Estates Dept became involved at this point and gave me his fax #, telling me that if I have the local EN branch fax it to him, they can call his direct number ( which he provided ) to confirm receipt and he would have a check for the amount in my deceased father 's account overnighted to me. I did that, but when the local EN branch called the number the supervisor provided, it went to voicemail. And it continued to go to vm the rest of the day and the next business day. I called EN Estates Dept and was told that they can only reach out to this supervisor via email to tell him I am trying to reach him. They ca n't call him themselves. They also told me that since this has been "" escalated '' to a supervisor level, there is no-one else in the department that can assist me anymore, only this XXXX supervisor. I have so far taken three half-days off of work only to try to resolve this Eagle National Bank account issue. As it sits now, I need to wait for this supervisor ( XXXX XXXX ) to get back to me to confirm receipt of the document he requested to be faxed to him last Friday. I have XXXX confidence that I will ever receive the funds in my deceased father 's checking account.",,Consent provided,Web,2017-02-21,Closed with non-monetary relief,Yes,,CR2352649,791
2017-02-21,Bank account or service,Checking account,"Account opening, closing, or management",,"XXXX XXXX, 2017 RE : Eagle National Bank Solicitations by mail Hello CFPB, I have written XXXX letters to Bk of Am to stop sending my their mailings, I have gone on their website and selected my preferences which clearly indicted I do not want anything from them mailed to me. My bank statements and yearly tax information is emailed to me. That 's all I need from them. XXXX is XXXX in the Nation for mail fraud. Regardless of that, I simply do not want their mailings! Bk of Am refuses to listen to what I am telling them. I do not want to receive ANYTHING from them! 
Thank you, XXXX XXXX",,Consent provided,Web,2017-02-21,Closed with explanation,Yes,,CR2353318,1078
2017-02-21,Credit card,,Customer service / Customer relations,,"In XX/XX/XXXX Eagle National Bank Visa reissued my card because of localized fraud problem not involving my card. They sent me a notice and then a new card. The old card was good until XX/XX/XXXX. On XX/XX/XXXX we made a payment of {$4000.00} on our balance as we do each month - the minimum payment would have been {$87.00}. That payment was never credited to our account. On XX/XX/XXXX I attempted to use the card and it was rejected. I called them and they said I had made no payment in XX/XX/XXXX. Then next day I checked the transaction we used to make that payment through XXXX Bill Pay. XXXX recorded that they received our request to make the payment on XX/XX/XXXX and recorded a trace number from BofA indicating receipt of the {$4000.00} on the prior Card number. I gave this information to BofA, they said that it would take 10 days to verify but to activate my I could pay them another {$87.00} to activate my card in 24 hours otherwise I needed to wait 10 days to use my card. This is extortion and very bad customer service. I activated my new card on XX/XX/XXXX as best I can remember. I lost the ability to access money and was embarrassed because my card was restricted for no reason. I lost the ability to use the card for 10 days while they researched the issue or had to pay {$87.00} to activate the card. They should have researched and changed this immediately and reversed all service charges. I 'm still waiting on the result of their research. Info from XXXX bill pay system : Biller ID XXXX, Payee name : Eagle National Bank, Payee account number : XXXX, Payment amount : {$4000.00}, File transmission date : 1XX/XX/XXXX XXXX EST, Payment effective date XX/XX/XXXX, Trace number XXXX",Older American,Consent provided,Web,2017-02-21,Closed with monetary relief,Yes,Yes,CR2353797,1428
2017-02-21,Credit card,,Credit line increase/decrease,,"Logged into my Eagle National Bank Credit Card account to make payment. Two payments had been made that month ; not late and one late payment in the cards history, over several years. Credit account with Eagle National Bankn for over a decade. 

Upon loggin into my account, I noticed it was closed the day prior. After contacting the service department, they stated that I had used excessive credit and assumed I was a risk, closing my account without notice with a balance outstanding. 

I just checked my credit score yesterday and realized that this had negatively effected my credit score by XXXX points, due to a balance being left over during closing. 

There was no notification for allowing me to transfer the balance to another credit company or at the very least, pay it off or reduction prior. 

If I 'm not mistaken, credit card companies, within the United States must give at least 45-days notice prior to closing credit accounts or changing terms.",,Consent provided,Web,2017-02-24,Closed with explanation,Yes,,CR2354129,863
2017-02-21,Credit card,,Credit card protection / Debt protection,,"On XXXX/XXXX/17, I made a payment to my Eagle National Bank credit card. I was credited for this payment and I was able to make purchases yesterday, XXXX/XXXX/17. Today, my card was declined inexplicably. I contacted the bank and they said it was because of a "" payment error ''. They claimed to be resolving it but did not get a definite date. They also would not clarify exactly why I can not use my card. The money has been removed from my account. I feel as if Eagle National Bank has stolen my money and is giving me the runaround. I wasted over 2 hours on this issue just to get an authorization for credit I already have available on my card. They also refuse to give me full credit for my payment. They also refused to expedite a resolution. I am extremely angry at their treatment, and I feel as if they have stolen my money and are giving me the runaround for something that is their problem.",,Consent provided,Web,2017-02-21,Closed with explanation,Yes,,CR2352681,2082
2017-02-21,Credit card,,Customer service / Customer relations,,,Servicemember,Consent not provided,Web,2017-02-21,Closed with explanation,Yes,,CR2353825,5468
2017-02-21,Credit card,,Other,,,,Consent not provided,Web,2017-02-21,Closed with explanation,Yes,,CR2353744,4031
2017-02-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-02-21,Closed with monetary relief,Yes,,CR2354155,2814
2017-02-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-02-21,Closed with monetary relief,Yes,,CR2354448,2191
2017-02-21,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2017-02-21,Closed with explanation,Yes,Yes,CR2353799,3817
2017-02-20,Bank account or service,Checking account,Problems caused by my funds being low,,"I have several accounts at Eagle National Bank ( EN ). It appears that EN charges an overdraft fee based on pending ( not yet posted ) clearing items included in the available balance. In addition, it also appears that, for those accounts that have automatic transfer from savings accounts to cover potential overdrafts, make transfers based on pending items ( not yet posted ) and charge a transfer fee at that time. If deposits are made during the pending period, fees are not reversed prior to posting even for positive balances.",Older American,Consent provided,Web,2017-02-20,Closed with explanation,Yes,Yes,CR2351633,3291
2017-02-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"SUMMARY : 1. Eagle National Bank refused to give me a receipt for cash money received. 
2. Eagle National Bank charged me at the higher Cash Advance interest rate for services rendered",,Consent provided,Web,2017-02-20,Closed with monetary relief,Yes,Yes,CR2351651,1273
2017-02-20,Credit card,,Other fee,,"I have a Eagle National Bank Visa Credit Card. Eagle National Bank has charged me a {$25.00} returned payment fee in error. The statement balance on XX/XX/2016 was {$160.00} ( see attachment # 1 ). For many years I have had the full balance automatically deducted from my XXXX checking account by Eagle National Bank. On XX/XX/2016 Eagle National Bank billed my XXXX account and XXXX transferred the payment to Eagle National Bank ( see attachment # 2 ). It is the policy of Eagle National Bank to transfer the amount due on the day after the statement due date, they tell me. According to Eagle National Bank 's representatives by phone, they then billed my XXXX bank account again for {$160.00} on XX/XX/XXXX? XXXX correctly realised this was a duplicate billing and refused the request for electronic payment. This is obvious from the credit card account statement for the period ending XX/XX/XXXX ( see # 3 ). There were no additional purchases totalling {$160.00}. There was only one payment to Eagle National Bank in the amount of {$160.00} by electronic transfer from XXXX. After the transfer the balance due was {$0.00} plus the "" returned check fee '' of {$25.00} because XXXX refused to pay the erroneous double billing. Eagle National Bank does not permit on line communication about my credit card. I spoke with two Eagle National Bank representatives and both refused to correct the error. They kept saying my check bounced. I have not paid a credit card bill by check in more than 10 years. I wrote to the two addresses provided by Eagle National Bank to resolve credit card problems ( see # 4 and # 5 ). Today I received their response by mail ( # 6 ). They still insist I must pay a returned payment fee even though the problem is that they billed twice in error. Of course, I no longer permit Eagle National Bank to bill my checking account automatically since they can not be trusted to do this correctly. As I told Eagle National Bank, this is an excellent money making gambit to help their bottom line. You bill customers in error twice what is owed and then charge them a fee for only paying the correct amount due even though you credit back the erroneous amount billed. This is fraud.",Older American,Consent provided,Web,2017-02-20,Closed with monetary relief,Yes,,CR2351994,3265
2017-02-20,Credit card,,Other fee,,"I received a {$1.00} fee from my AAA Eagle National Bank card for "" MINIMUM INTEREST FEE. '' I have never used my card for anything other than a retail purchase and I have never carried a balance. After calling them, they claimed/admitted that it was a "" mistaken '' charge and agreed to refund it. I expect a refund within the next few days.",,Consent provided,Web,2017-02-24,Closed with explanation,Yes,Yes,CR2351881,4792
2017-02-20,Credit card,,Late fee,,"In XXXX XXXX, I opened a credit card account with Eagle National Bank. It was a transfer balance of {$5000.00}. There was a fee of {$150.00}. The due date of each month was the XXXX with a minimum initial payment of {$51.00}. Now both my wife and I have excellent credit but for some reason I never could seem to find a rhythm with this card. I always paid much more than the minimum but inadvertently missed payments on occasion and/or was a day or so late. Part of it was I was out of town on business a bunch during early XXXX and just was losing track of things. I missed my initial payment in getting the account set-up ( made up in the next payment of {$500.00} with more than the minimum due for XXXX payments ) There was one more payment I missed in XXXX. In XXXX I continued to be late missing the cutoff on XXXX payments and paying late fee each time. As I said I was out of town for much of the first 5 months of the year. Then on the 5th and 6th payments in XXXX starting XXXX/XXXX/XXXX I paid XXXX payments one of {$500.00} and then {$2000.00} for a total of {$2500.00} on the account leaving a balance of {$1600.00}. The next payment I paid {$750.00} leaving a balance of {$920.00}. The next XXXX payment I inadvertently missed again and was charged a late fee of {$25.00} and then {$38.00}. Then on XXXX I paid {$100.00} and on XXXX $ XXXX.The remaining balance was {$370.00} which I paid in full, but unfortunately 2 days after the XXXX cutoff posted on XXXX. I was charged additional {$25.00} late fee even though I paid it in full and there was now no balance due. I called to get the {$25.00} charge reversed for the XXXX statement and was denied even though the account was now paid in full AND since the account was open in XXXX XXXX ( over a year ago ) I had only asked for XXXX reversal which was the initial payment in XXXX XXXX. Essentially we had paid {$260.00} in late fees from opening XXXX to paying off the account in its entirety XXXX. I asked them to reverse the very first payment late fee and the very last for a total of {$50.00}. I asked for nothing in between and took responsibility for those late fees, but the very last one while I missed the cutoff I did pay in full {$370.00}. We really thought with all the fees and the fact we have good credit and always paid much more than the minimum that last late fee was out of line. When I called to have it reversed in XXXX, they denied that last reversal. Are they in their rights? I suppose one could say they were, but they made lots of money off of us and that last reversal cost them any future business with us all for {$25.00}. I called one last time today as I was going over the finances for tax purposes and was reminded of this matter.They still denied the {$25.00} reversal of the last late fee. I think they took advantage of us and that is why I am writing today.",,Consent provided,Web,2017-02-20,Closed with explanation,Yes,,CR2352302,3597
2017-02-20,Credit card,,Billing disputes,,,,Consent not provided,Web,2017-02-20,Closed with monetary relief,Yes,,CR2351156,1096
2017-02-20,Credit card,,Credit determination,,,,Consent not provided,Web,2017-02-20,Closed with explanation,Yes,,CR2351440,11034
2017-02-20,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2017-02-20,Closed with explanation,Yes,,CR2351669,2647
2017-02-19,Credit card,,Closing/Cancelling account,,"respected Sir/Madam, This XXXX XXXX resident of XXXX and today I am forcing myself to file this formal complaint. I am going to Briefly explain ; Firstly, I am in discomfort a great deal by XXXX where it all begun. I was attending XXXX UNIVERSITY when I opened one campus edge checking account card visa debit & Credit Cards as being privileged GPA student with STATE ID I was given one free means no fees, free cashier checks and other services like no need to have certain balance, so, I was happy that its a great deal that I have XXXX checking acts and XXXX savings and then 4 weeks after I was persuaded by XXXX . XXXX of XXXX, XXXX XXXX, zip ( XXXX ) Branch and as I had Transition Lock on my file so the associate called on a three way mode so I can verify to have my file open which is on record with Transition under FIN # XXXX of 1.2years ago. I was Shocked when I was approved for their Platinum Cash Rewards Credit card of limit {$5000.00} and {$1000.00} dollars cash advance. The banker said there is some printer issues you can leave me for Drivers lic # and SSN # so can b entered in the system and you should be able to receive the card in mail which I never got and the XXXX break loose when one night in XXXX on XXXX, XXXX XXXX ATM machine Malfunctioned and the amount I deposited was taken in and registered as I withdrew the amount instead a deposit which is also in both the cooperate and local branch manger were provided with the copies of receipt. I called Branch manager Name XXXX and Clerk here named XXXX they told me to call ATM Team and get your case number which I did there and then and had two XXXX employees stood by as witness and put out of order sign on the machine. Then Months passed and I started asking around and demanding where is my XXXX go as that was amount present in cash in checking act # ending in XXXX and XXXX. the saving was the place I deposited {$600.00} so now next day they cancelled my all cards and no one gave me any resolution and said its being investigated. by Fraud and Loss prevention I was okay. Then fraud team said the denomination I gave then for bills was all accounted for and thus I should be able to have everything go back to normal in 48 hours but its been 2.5years that I am not able to get {$1900.00} and @ XXXX back which is big big FDIC , FTC violation. Then on Tuesday 2 weeks latter I went to this XXXX branch and another clerk printed my accounts and as he entered by son # and name there goes XXXX checking accounts were fraudulently issued under my university ID to avoid fees by staff of both branches. I then had to defend myself and prove my innocence as I demanded those accounts papers and what I saw when I actually grabbed them by myself even the staff was mad on this that why I picked up papers as they trashed 2 papers but I was able to still get all proof where there is all info but my name spelling was with XXXX and the signs were missing means someone inside authorized it. when I inquired I found out that I am getting kicked out from XXXX because the staff got caught red handed. That post I was ID theft victim and XXXX dollars in debit. then hey never given me right of XXXX as I filed FTC and Police report but instead they sent a detective named XXXX XXXX XXXX City Police ad he actually told me in harassing way that if I contact you guys or did n't take to accept that it was your accounts I will be fined and arrested but gad I had already 1 XXXX done so atleast I was reached to station and reported that cops an his associates to Compliance but same until today we whole familiy is being tourtured by following, Hrrasing and they did extaclyy same thing to my dad and my mother. then I found out is XXXX dollars due on credit card when I did n't even receiveded",,Consent provided,Web,2017-02-23,Closed with explanation,Yes,,CR2351282,311
2017-02-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am beneficiary on my Dad 's left-over IRA. Luckily, he had warned me that different rules applied to these. I asked a BofA branch Asst Manager what the options were -- she said, there were XXXX : keep as is, roll over to my own IRA, take a lump sum. 

Luckily, I talked with an independent Financial Planner, who said that I could NOT roll it over into my own IRA. 

I rec 'd a letter from XXXX XXXX in XX/XX/XXXX agreeing that disbursements would occur on XX/XX/XXXX each year ... ..the first year, it did. 
I have not rec 'd it for XX/XX/XXXX ; when I called the number provided, the young man said the ck had been done on XX/XX/XXXX : it was XX/XX/XXXX when I talked to him, and had not rec 'd it. First he said it had been done, and cashed and put in my checking account ( do n't have one with them ). After putting me on hold, he came back on and said it had NOT been cashed, and he would stop payment and issue another ck, which I should receive in 10 days. I did NOT rec, and called the # and spoke with a nice young lady, who said it had been issued XX/XX/XXXX : was talking with her on XX/XX/XXXX ... said I would wait until Fri. XX/XX/XXXX to give it plenty of time to arrive : it Did n't! Also, have not rec 'd a XXXX yet, from either ck. 

Since tax time is almost over, it is important we rec these asap. 

Any help would be greatly appreciated! 

When my XXXX had XXXX and I was his POA, they would not let me cancel his credit card, even with all of the correct paperwork. It only got resolved when I filed a Better Business Bureau, and also a CFPB, complaint. 

Neither my father, nor husband had any problems with BofA ( XXXX males ). I can only assume my problems stem from being a woman.",,Consent provided,Web,2017-02-18,Closed with non-monetary relief,Yes,,CR2351964,3017
2017-02-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I purchased a product from a company and that company never delivered the product. I 've been trying to make a claim with EN for this fraudulent charge. 
I 've called EN 3 times and waited more than 30 minutes to make a claim. They are not answering their phones. There is no other way to make a claim with EN. I 'm out of options and now feel that EN is assisting in this fraudulent behavior through their business practice of NOT answering phone. I 'm currently on the phone for a 4th time, been transferred and on hold for 20 minutes and counting.",,Consent provided,Web,2017-02-18,Closed with non-monetary relief,Yes,,CR2351288,1586
2017-02-18,Bank account or service,Checking account,Using a debit or ATM card,,"My case is about a withdrawal of cash from an ATM, the ATM only gave me the receipt of the transaction but NOT the money, this happened for 2 consecutive days, the bank approved the transactions and they took the money Of my checking account.",,Consent provided,Web,2017-02-18,Closed with explanation,Yes,,CR2352287,2978
2017-02-18,Bank account or service,Checking account,Using a debit or ATM card,,"My wallet was stolen from my vehicle in XXXX XXXX, TX on the evening of XXXX XXXX. The following morning my card was used by the thief to the tune of {$1500.00}. Eagle National Bank was alerted the same business day about the theft and issued a temporary credit to my account. The claim was not created by Eagle National Bank until 3 days later on XXXX XXXX despite their being notified on XXXX XXXX. The XXXX XXXX Police Department were also alerted on the XXXX, XXXX XXXX. XXXX. Eagle National Bank is now claiming that they are removing the entirety of their credit which is in violation of their {$0.00} liability guarantee and the {$50.00} liability limit instituted by the Federal Government. Eagle National Bank will not answer our calls or provide any assistance in our dispute of their new findings.",Servicemember,Consent provided,Web,2017-02-18,Closed with monetary relief,Yes,,CR2351174,1091
2017-02-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-02-18,Closed with monetary relief,Yes,,CR2351112,1351
2017-02-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Approximately XXXX XXXX, I went into Eagle National Bank, XXXX and XXXX branch to cash a paycheck, drawn on their account. Despite having a business account with them, they claimed I had to have a personal account or they would have to charge me a 'non customer fee ' of XXXX dollars. Again, this check was drawn on their account! Essentially, they have my money in their vault and refuse to give it to them without their "" taste ''. Extortion. In California, there is a law that a paycheck must be able to be cashed without a fee. Please look into this and help to rectify this money grab. 
XXXX XXXX",,Consent provided,Web,2017-02-17,Closed with explanation,Yes,Yes,CR2349643,12547
2017-02-17,Bank account or service,Checking account,Deposits and withdrawals,,"I had slightly more than {$1700.00} in my Eagle National Bank account. 

I transferred {$1700.00} out of that account. 

After I put in the transfer, BofA withdrew an ADDITIONAL {$850.00} from my account ... and charged me overdraft fees! 

They said it was because a P2P deposit from my tenant ( on XXXX XXXX had "" failed ''. But that "" failed '' deposit had already cleared 3 weeks earlier! 

QUESTION FOR BANK REGULATORS : Can a bank or XXXX take money out of my account any time they want, even weeks after a transaction has cleared? If any transaction can be suddenly reversed *without warning*, how can consumers know for sure how much money they actually have?",,Consent provided,Web,2017-02-17,Closed with explanation,Yes,,CR2350084,5
2017-02-17,Bank account or service,Checking account,Problems caused by my funds being low,,"I have maintained an active banking relationship with Eagle National Bank since XXXX and am considered a high value customer with Platinum privileges. Unfortunately, the bank has directly caused me to succumb to a financial loss due to false statements and complete misrepresentation of their policies regarding my checking account, and overdraft protection through my BofA Visa card. I have spent over 7 hours on the phone with numerous BofA representatives over the past month and have come to realize that they are not going to cooperate with me, nor be held accountable for the bank error that resulted in my loss of {$400.00} to XXXX County Tax Collector regarding bounced check # XXXX, dated XX/XX/XXXX, in the amount of {$4000.00}. 
Specifically, the basis of my complaint is documented on a recorded conversation with a BofA representative named XXXX who informed me in very direct terms that due to my outstanding status with BofA since XX/XX/XXXX, I should not be concerned about several large checks being possibly returned for NSF since the balance in my checking account and overdraft protection would be sufficient, even if my accounts were overdrawn at the time the checks were presented for payment through ACH.I was somewhat dubious of XXXX assertion at first, and repeatedly asked him if he was ABSOLUTELY SURE that several large property checks written would clear -- knowing full well, that if they did n't I would be faced with a 10 % penalty from the County Tax ENrds. XXXX told me that he carefully reviewed both of my accounts -- checking and overdraft, and was fully aware that my overdraft account was nearly maxed out. I also explained to him that I could wire funds very easily into my checking account from XXXX if necessary, but once again he said that there was no reason to do that the bank would make good on my checks. 
On XX/XX/XXXX I received a letter from XXXX County Tax Collector that in fact my payment was not accepted and returned to me for non-payment. Further, there would be a 10 % penalty attached when sending in the full amount due. I called BofA regarding this matter, referencing my call with XXXX, and then held a three way conference call with BofA representative named XXXX XXXX ( call reference number XXXX ) on XX/XX/XXXX. XXXX apologized repeatedly for what XXXX had told me and XXXX from XXXX XXXX XXXX Collector. XXXX explained all that 's needed was a brief letter stating the bank error and to send it to me so I could in turn mail the letter to the County along with another check in full for property taxes due WITHOUT ANY PENALTY. We all agreed to proceed on that basis, but the letter never arrived nor was XXXX responsive to multiple attempts to reach her. I suspect she was told to avoid any contact with me. BofA did send me a letter afterwards claiming that no bank error occurred and have been evasive ever since in responding back to me. I gave them the option of compensating me {$400.00} for my loss as well, but they declined. 
I would greatly appreciate you help in this matter to hold the bank accountable for the financial loss I have suffered. I will consider this case resolved with either a letter explaining the bank error that occurred, or a check for {$400.00}. 
Thank you!",,Consent provided,Web,2017-02-17,Closed with monetary relief,Yes,Yes,CR2347316,1054
2017-02-17,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX, 2017, I received a {$35.00} overdraft fee in my Eagle National Bank account due to a withdrawal mistake ( funds were withdrawn from the wrong account ). The bank did not send me an alert until the following day, even though I had set up my account to request alerts when insufficient balance conditions would happen.",,Consent provided,Web,2017-02-17,Closed with monetary relief,Yes,,CR2350503,894
2017-02-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"XXXX XXXX, XXXX we, XXXX / XXXX XXXX, received a letter of debt forgiveness for our Home Equity Line of Credit. In which, XXXX, called to verify and proceed forward ( All documents are attached ) We received a the XXXX for XXXX Tax Year for XXXX / XXXX each from Eagle National Bank. 
We are in the closing process of selling the home that is located on XXXX XXXX, XXXX, prior to foreclosure date of XXXX XXXX, XXXX. When the title company for buyer found out that Eagle National Bank has a lien on the house, XXXX has been in contact with Eagle National Bank. Spoke with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. Eagle National Bank is stating that XXXX opt out of the Debt forgiveness, when in fact, she did not. 
By our understanding, the letter we first received XXXX XXXX, XXXX is part of the Dept. of Justice Lawsuit and is considered a zombie debt and can not come back for debt. 
In contacting Eagle National Bank, they are now stating that we owe back interest of the amount of {$11000.00}. There has been no contact from Eagle National Bank since XXXX when we were sent the original letter",,Consent provided,Web,2017-02-22,Closed with monetary relief,Yes,,CR2349049,11638
2017-02-17,Credit card,,Credit card protection / Debt protection,,"Hello. 

The story here might sound strange. This credit card was never opened by my permission, and i have never opened or ordered to open any credit card from Eagle National Bank. 

When i first saw a charge on my account from the credit card company i went to the bank to ask about it and i have been told they will take care of it. Month later i saw charge again and i went again to the bank. This time i did n't have money in the account enough to cover the charge so i have been charged also for negative balance fee. 

This happened 4 times in a raw and i did n't want to pay the balance because i was n't the XXXX who made the mistake. They ruined my credit and i could n't get car or loan or any normal service from anyone that asked for my social security number. 

Today i want to take care of this issue completely. I need your help please. 

Thank you, XXXX XXXX.",,Consent provided,Web,2017-02-17,Closed with explanation,Yes,,CR2349756,1714
2017-02-17,Credit card,,Closing/Cancelling account,,I XXXX XXXX try to use my debit card at Eagle National Bank in XXXX on XXXX XXXX XXXX XX/XX/2017. But did not work. I tried it again and it still did n't work. So I went inside to talk to the teller and asked her to check my card and she said your card was reported stolen and we haved mailed you another one. The teller asked me my address and she said the card was mailed to a different address that you are giving me. The teller said you do n't live at XXXX XXXX XXXX XXXX XXXX. No I live at XXXX XXXX XXXX and I never reported my card. My sister XXXX lives on XXXX. To find out she try to transfers my money on a new card and open me a savings account. so she did this without my approveal. She did it on the XXXX of XXXX and I do n't get paid til the XXXX So I got charged over drafts like XXXX dollars for not having funds in my account. And she changed my preference and changed my address to hers and had my statements to be mailed to her house so I never received my over drafts letters. or has she told me that she has my new Debi card. And they charged me for a new card. I never ordered. I have talked to someone at the bank but nothing was accomplished. So now I have to get a temporary card. Plus my bills went to over draft because my debit card I always used was reported. XXXX was using my girlfriends email address to get information. XXXX XXXX phone number is XXXX.,Older American,Consent provided,Web,2017-02-22,Closed with monetary relief,Yes,,CR2349139,1154
2017-02-17,Credit card,,Billing disputes,,We have a 0 % introductory amount owing to Eagle National Bank as well as an interest accruing amount. Eagle National Bank is applying our payments to the interest free amount rather than the interest accruing amount. Is n't this a violation of the law signed by Obama in 2009?,,Consent provided,Web,2017-02-17,Closed with explanation,Yes,,CR2348002,730
2017-02-17,Credit card,,Transaction issue,,,Older American,Consent not provided,Web,2017-02-17,Closed with explanation,Yes,,CR2347211,524
2017-02-17,Credit card,,Delinquent account,,,,Consent not provided,Web,2017-02-17,Closed with explanation,Yes,,CR2350188,3486
2017-02-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-02-17,Closed with monetary relief,Yes,,CR2349569,2129
2017-02-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I had a business account with Eagle National Bank, I never used the service, disputed the account, complained about my salesperson XXXX, after going round and round with this bank, they finally closed the account, with a XXXX balance, so I thought, while all this was going on, I filled a chapter XXXX bankruptcy, this account was included, the bank was notified, we gave them the attorney information, they were also notified by the bankruptcy courts, in fact I spoke to the bank directly, want to say about a month ago, which brings me to today, Eagle National Bank turned over a charged off business account to a collection agency, which is demanding payment, for an account that was already included in chapter XXXX bankruptcy, our bankruptcy is active/current, there are a few issues with their major mess up, first, they have already been notified of a chapter XXXX bankruptcy, months ago, the account they sent to collections was included, secondly, under an active chapter XXXX bankruptcy, at NO TIME are they allowed to collect a debt, while I am in the plan, which is for XXXX years, furthermore, they sent my account to a third party collection agency, without doing their due diligence, if they would have done their homework correctly, they would have properly documented my account and placed it in the collection que, which they did not, this bank and the collection agency XXXX XXXX XXXX CA XXXX phone number XXXX my file number XXXX, have violated my right under the FDCPA and Bankruptcy protection chapter XXXX ... ... ... ... 

On Thursday XX/XX/2017 I called the collection agency, spoke to XXXX of their XXXX, she was rude, kept talking over me, would not give me an opportunity to fully explain what is going on with this account, told her they bought bad paper, she wanted to argue with me, told me no they did not, she then told me "" This is not going to be a XXXX way call '' then without giving me an opportunity to give my attorney information or explain whats going on she hung up on me ... ... ... .. 

This is clearly another violation under the FDCPA for harassment, if the collection agent, would have shut up and allowed me an opportunity to fully explain what was going on, this matter could have been resolved, without me filling a complaint against EN and the collection agency, I want them prosecuted to the fullest extent of the law ... ... ... ...",,Consent provided,Web,2017-02-16,Closed with monetary relief,Yes,Yes,CR2348135,4507
2017-02-16,Bank account or service,Checking account,"Account opening, closing, or management",,"My Eagle National Bank account was closed, sometime in 2013. It was my ex 's account and I was on it. Back in 2013, I moved out of the house and was told by Eagle National Bank that BOTH parties had to come into close the account. After moving because of an XXXX, I forwarded my mail, however never received anything telling me the joint account we had was over drafted or being closed. I had already gotten a new account and my ex continued to use the old account. I did n't feel like I had a choice because my ex would not close the account. 

Moving forward, I 've tried to open an account and was denied as of a few weeks ago for a checking and savings account. Eagle National Bank Had reported to XXXX that the account was over drafted and closed as of 2013!. I 've called Eagle National Bank telling them what happened, however, they do not care. I paid the over drafted amount in full, even though it was not my fault that the account was over drafted. 

It was XXXX paid in full as soon as I realized that I owed money. I 've asked them to delete this account with XXXX, as Eagle National Bank nor XXXX have my right address and this account was not being used by me and I had multiple requests to Eagle National Bank to take my name off this account. But Eagle National Bank will not send a delete letter to XXXX because they state they are reporting accurate information ( which they are not ).",,Consent provided,Web,2017-02-16,Closed with explanation,Yes,,CR2348497,4563
2017-02-16,Credit card,,Identity theft / Fraud / Embezzlement,,"Fraud charges and temp authorizations on credit card. Called BAC they were no help, hung up, called back and they said call XXXX. Called XXXX they said call you Credit Card company. BAC credit card XXXX has charges on XX/XX/2017 for {$65.00} and XX/XX/2017 for {$40.00}. I am a XXXX customer and do not do business with XXXX. Please remove the charges and reissue a new card.",,Consent provided,Web,2017-02-16,Closed with monetary relief,Yes,,CR2348887,3244
2017-02-16,Credit card,,Billing disputes,,"I was supposed to receive XXXX free miles from my XXXX Mileage Plan credit card. Eagle National Bank ( BofA ) denied me from having these free miles because I did not spend over a thousand dollars within three months. I had spoke to different people from Eagle National Bank within those months, and they had stated to me that I had spent over a thousand dollars. They also stated to me that they would look into my account to see about a line of credit increase, and they never did. Today I had employees and supervisors mock me on how I spoke. They tried to belittle me by yelling at me and stating that I need to do a better job of reading my contract. The last person that I spoke to laughed at me when I tried to explained to him the seriousness of this problem, and he would not hangup so I can use my phone. When I tried to talk to him he would not say anything but I can hear him breathing.",,Consent provided,Web,2017-02-16,Closed with explanation,Yes,Yes,CR2347403,4760
2017-02-16,Credit card,,Closing/Cancelling account,,"I wrote Eagle National Bank and stated that I wanted to close my credit card which was a secured credit card. I put {$500.00} to get this {$500.00} secured credit card. The balance owing at about that time was {$440.00}. I stated in the letter that I was authorizing them to apply the {$500.00} deposit to the account and refund the difference. I did not hear back from them. The next month 's statement showed a {$99.00} credit. I wrote them back again giving them a copy of the first letter. I wrote them back a 3rd time and gave them a copy of the first letter. I still did not hear from them but I did continue to receive statements adding interest and a $ XXXX/mo charge for missing my payment. Just a couple of months earlier, I had withdrawn my checking and savings and money market accounts from B OF A and began using a local bank. I am not sure if this is related or not, but no wonder I do n't want to use B OF A. I sent all letters to the address for disputes in XXXX XXXX, TX as per B OF A 's instruction on the front and back of their statement.",,Consent provided,Web,2017-02-16,Closed with explanation,Yes,,CR2348846,3954
2017-02-16,Credit card,,Closing/Cancelling account,,This is loan that Eagle National Bank should have dismiss because that what they me over 15 years ago. An it still show up on my credit report. It was during time period when the interest rate super seeded the loan on the card an their was no way I could keep up the principal rate an the loan got larger making me unable to pay. Back in 2006 it was to have drop.,Older American,Consent provided,Web,2017-02-22,Closed with explanation,Yes,,CR2347467,1686
2017-02-16,Credit card,,Billing disputes,,,,Consent not provided,Web,2017-02-16,Closed with explanation,Yes,,CR2347394,1835
2017-02-16,Credit card,,Other,,,,Consent not provided,Web,2017-02-16,Closed with explanation,Yes,,CR2347753,3337
2017-02-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2017-02-16,Closed with explanation,Yes,,CR2347524,4414
2017-02-15,Bank account or service,Checking account,Deposits and withdrawals,,"I am XXXX XXXX XXXX and on XXXX XXXX I made a {$1500.00} deposit by XXXX Bank check into my Eagle National Bank checking account. I have been a EN customer since 2009. The bank put a hold on this deposit and turned it over to the Risk department which still has not released my monies ( 8 days now ). In the meantime, I am unable to pay my utility bills, buy groceries or fill my medical prescriptions. I continue to receive contradictory statements from EN on why my monies are being held and when they will be released. 
I have made numerous calls to people at EN to understand why they would do this, and I keep receiving contradictory information. Today, I heard for the first time that a XXXX Bank account representative told someone at EN that my check would be returned and that the money was not available. The {$1500.00} was immediately removed from my XXXX Bank account and i do not know why anyone would make that statement. I have yet to find anyone at EN who can tell who they spoke to at XXXX Bank who made that statement. 

XXXX XXXX XXXX, XXXX",Older American,Consent provided,Web,2017-02-15,Closed with explanation,Yes,,CR2345727,889
2017-02-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I was applying for a XXXX job on XXXX on XXXX of 2016. On the last week of XXXX a family reached out to me by the name of "" XXXX XXXX '' to hire me as their XXXX for their XXXX. Although, I was surprise that they wanted to hire me without meeting me first. I knew I still had to meet the family first eventually. XXXX told me she was XXXX and her husband also. The only communication they said that they could do with me is texting but no calling. And I respected that. So throughout XXXX we were planning on meeting with each other. But for some strange reason everytime I would schedule a day to meet, they either could n't make it or show up. They told me that they were from XXXX and that they were moving to XXXX by the XXXX of XXXX. But they still kept postponing our meet up date. So while I was waiting for their availability in the process, they wanted me to give them a favor for their child. In my my mind I did n't think anything of it, I wanted to show a nice gesture to the family. So I agreed to help. Two weeks ago XXXX sent a check to me of {$3500.00} for me to cash in my bank and to deposit the funds at a Eagle National Bank account to pay a toy seller for their child. XXXX stated she wanted to purchase some toys and a car seat for her child when they arrived to XXXX. At this point they still had n't arrived from XXXX So I did as she stated. I went to my XXXX Bank to see if I can cash it but the tell had told me I had to wait five business days for the check to clear, which was XXXX XXXX. I waited till XXXX XXXX and I withdrew {$3300.00} at this point because XXXX had contacted me that same day, and stated I could keep the remainder {$200.00} in my account for helping her. So I thought that was really kind of her. I then deposited {$3300.00} to the Eagle National Bank account that she provided me with. It was not till three days later when I saw my personal bank account at XXXX Bank that went negative {$3500.00} and I was hit with a {$5.00} fee on top of that. My bank then notified me that it was a bad check and the check had bounced. I told them that I had no idea it was a bad check and I wanted to pursue a claim for a refund. They stated I could n't pursue XXXX because if I had n't withdrawn {$3300.00} I would 've receive a refund. I really upset because it was n't my fault. This was the first time that ever happened to me. So I immediately went to my local police station and filed a report. I then went to the Eagle National Bank to see if I can file a claim there and for them to trace the account. They said no but they took down my information for further investigation, but they refused to tell me anything. I also sent a copy of the police report to the police department in the same town where the Eagle National Bank was located. At this point I would like Eagle National Bank to provide a refund and trace the account that I desposited the funds into. It 's clearly a fake account and I do n't understand how Eagle National Bank allowed a hacker to enter into their system. I suffered a MAJOR loss and it 's not fair! No one should have to go through that and for that scammer to get away like that. That 's ridiculous! Anyone can be a victim of this tragedy.",,Consent provided,Web,2017-02-15,Closed with explanation,Yes,,CR2346154,2551
2017-02-15,Bank account or service,Savings account,Deposits and withdrawals,,"My issue is with Eagle National Bank, there has been a freeze on all my accounts without Any explanation. These are my ACCOUNTS THAT ARE FROZEN? HAVE NO ACCESS TOO. checking account : XXXX savings account : XXXX business account:XXXX I have no access to Any of my funds. They are telling me different stories no one is giving me a clear answer on what is actually happening. I have gone into multiple branches and called multiple times asking for who is in charge. I am sad to say I only bank with Eagle National Bank. I ca n't access anything. They saying someone hacked into my account now? They are saying it 's under investigation? The only thing unusual was the check my lawyer ( XXXX XXXX ) put into my savings account for the amount of {$16000.00}, Thursday because he won a case for my Injury. My lawyer also banks with Eagle National Bank, he verified the check and his account with them still nothing, they wo n't explain to him or to me what is going on? No one is telling me when my funds will be released to me. They are saying my account is under investigation and they are saying its a business decision. 
The problem is NO one is giving me Real answers and I am without FUNDS from any of my accounts and I need to pay my bills and I need help getting this reslove as soon as possible.",,Consent provided,Web,2017-02-15,Closed with explanation,Yes,,CR2344709,53
2017-02-15,Bank account or service,Checking account,"Account opening, closing, or management",,XX/XX/XXXX I was a victim of Bank Fraud. I was issued a fake check and the check was deposited in to my Eagle National Bank account at that time and the check was returned obviously and without any notice or phone call or investigation my name was reported to XXXX. Since XX/XX/XXXX I have made so many attempts to have this matter resolved and Eagle National Bank has ignored every single attempt. XX/XX/XXXX I hired an Attorney to plead my case and a letter was mailed on XX/XX/XXXX and that has also been ignored. I need to open a bank account. None of this was my fault. I was a victim in this case. No one has reached out from Eagle National Bank to help resolve this matter. They did not even bother responding my attorney 's letter. That is how bad they are in every aspect. I need my name removed from the XXXX database as soon as possible.,,Consent provided,Web,2017-02-15,Closed with non-monetary relief,Yes,,CR2346998,4120
2017-02-15,Credit card,,Rewards,,"I was approved for a Eagle National Bank XXXX credit card, with a sign-up bonus of XXXX miles after spending {$1000.00} within 90 days. I have spent well over the required amount, and my monthly statement has closed. However Eagle National Bank has failed to credit my account with the approximately XXXX points I 'm due. I have specific travel plans, and this arbitrary withholding of my points is directly affecting my travel itinerary. These points need to applied to my account immediately, thank you.",,Consent provided,Web,2017-02-15,Closed with explanation,Yes,,CR2346634,1281
2017-02-15,Credit card,,Identity theft / Fraud / Embezzlement,,"On XX/XX/XXXX-XX/XX/XXXX someone made a purchase at XXXX store at the address XXXX XXXX XXXX, XXXX, ny for amount of XXXX , On XX/XX/XXXX I file a fraud claim on my account with the Eagle National Bank. After a month of investigation BOfA took back a credit from my account and closed the case with explanamiton that in was a chiped card and the chip was insert. And based on this information all the charges was put on me. When I asked them to give me more information about this purchase such as copy of the signature, they was not able to. So they made a decision only on the information that the chip was insert. XX/XX/XXXX I filed a police report about it and based on my actions, BofA reopened the case. I also checked the address of the XXXX store and the address has no relarionships to the XXXX store, there are no connections with this building related to XXXX at all. As of now I am waiting for a detective from the police department to contact me and maybe give me some additional information about my case. I also waiting for the actions from the BofA investigation.",,Consent provided,Web,2017-02-15,Closed with monetary relief,Yes,,CR2346306,2732
2017-02-15,Credit card,,Transaction issue,,,Older American,Consent not provided,Web,2017-02-15,Closed with explanation,Yes,,CR2345096,1729
2017-02-15,Credit card,,Other,,,,Consent not provided,Web,2017-02-15,Closed with explanation,Yes,,CR2343324,1284
2017-02-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2017-02-15,Closed with explanation,Yes,Yes,CR2345054,4298
2017-02-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2017-02-15,Closed with monetary relief,Yes,,CR2346434,1233
2017-02-15,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-02-15,Closed with monetary relief,Yes,,CR2344289,984
2017-02-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,,"Older American, Servicemember",Consent not provided,Web,2017-02-15,Closed with explanation,Yes,,CR2346258,3936
2017-02-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-02-17,Closed with monetary relief,Yes,,CR2344278,297
2017-02-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,,Web,2017-02-15,Closed with monetary relief,Yes,,CR2345067,3454
2017-02-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Following death of parent in XX/XX/2014, I have attempted to receive remaining funds in her Eagle National Bank checking and savings accounts. Eagle National Bank has repeatedly demanded further "" proof '' of my eligibility to receive these funds, and in phone conversations has repeatedly assured me that all was in order and that a check would be sent to me "" within 15 days. '' No such check has been forthcoming.",Older American,Consent provided,Web,2017-02-14,Closed with monetary relief,Yes,,CR2341972,710
2017-02-14,Bank account or service,Checking account,Deposits and withdrawals,,I filed a complaint with your agency and Eagle National Bank never responded to me about my complaint regarding placing a freeze on my account without any correspondence in the mail or a telephone call. There is still a hold on my account and when I called them they said that is under review with no further information.,,Consent provided,Web,2017-02-14,Closed with explanation,Yes,,CR2344315,4516
2017-02-14,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,I used to have a Eagle National Bank credit card. I missed payments on it consecutively for 4 months. I have n't got a notification from a bank or anything during this period. The amount I owed to the bank was less than {$20.00} bucks. It was a $ XXXX limit card. I thought I cleared it all and did not bother to check it or open my account. I have a saving account with the bank and checking account too ( combined account with my husband ). So whenever I check I opened using my husband 's online account. My credit card does not show up in his account. My credit score used to be around {XXXX}. With this Incident it dropped back to {XXXX}. For the sake of {$20.00} bucks. I tried taking to the bank with no use and my credit score is still affected after I paid the {$20.00} back to the bank.,,Consent provided,Web,2017-02-14,Closed with explanation,Yes,,CR2343931,3746
2017-02-14,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I went to Eagle National Bank Branch XXXX on XXXX XXXX XXXX in XXXX XXXX Every month I deposit my rent in landlord EN Account. I usally do a cash advance from my credit card and then deposit in landlords account. Branch was unable to process cash advance due to their machine being offline. Teller manager suggested I go to branch XXXX on XXXX XXXX XXXX as their machine was working to process cash advance. Went to branch and was told by teller that EN did not process cash advances for non-customers. As I have done this at EN for the past two years I went to manager for clarification. the manager, XXXX XXXX told me that EN stopped doing cash advances for non-customers about one year ago. I questioned this again and again but was sternly told they would not process this. I then call EN corpoate and was told I was lies to. I filed a complaint through EN corpaorate and the first branch I went to. Both said EN did process cash advances for non-customers and I was not told the truth.",,Consent provided,Web,2017-02-14,Closed with explanation,Yes,,CR2341986,5325
2017-02-14,Bank account or service,Checking account,"Account opening, closing, or management",,"My wife and i were the victims of fraud, police report filed at XXXX police department XXXX XXXX XXXX, XXXX, Ma XXXX ; Eagle National Bank immediately validated and passed the check and funds from an apparently fraudulent/ inactive account. Having had multiple issues with Eagle National Bank in the past we had brought our account balance to {$11.00} and transfered the rest to pay a Eagle National Bank Credit card and our account was closed and posted at {$0.00} ; Eagle National Bank credit card the proceeded to reject the funds on the basis the account was CLOSED and they had stolen the remaining balance of {$11.00} and have made no effort to rectify the issue, having been such a small ammount and having already concluded all business with this fraudulent banking compny did not pursue the funds as all contact with this compny had been ceased. The following month Eagle National Bank reversed a credit of over {$1800.00} on the afformentioned closed account, and began demmanding repayment of a fraudulent debt that was enabled only by Eagle National Bank 's participation in the crime of fraud ; as if there was no funds then we did not have any, refer to the police investigation opened into this matter. As the victims of a crime and the signatories of the police complaint filed we reserve the right to hold Eagle National Bank as a making a bilateral mistake in the enablement of a crime and must hold void any contactual obligation to continue any relationship with the enablers of this crime as Eagle National Bank also reserves this right but has offered 0 % fraud protection in this matter and is attempting to hold us entirely accountable. This being the case of a bilateral mistake in the commision of the crime of fraud and Eagle National Bank 's failure to protect the consumer and itself as the financial arm of the binding contract and to investigate, cease, and disable fraudulent practices on their end can not hold us ; as true and lawful citizens of these United States protected from victimization of crime ; and Eagle National Bank 's efforts to place blame wholly on the citizenry in this contract and attempt to re victimize us hearby must hold Eagle National Bank as acting unlawfully and hold void any contractual obligation to continue doing business with a criminal enterprise not protected by XXXX XXXX in the commision of this attempt at re victimizing us the aggrieved parties. While we were willing to in some form work out some form a reasonable resolution to a bilateral mistake made in the duration of our relationship with Eagle National Bank, the lack of fault and failure on Eagle National Bank 's part to perform their lawful duties to prevent fraud we can not accept nor be held wholly accountable for this misscarriage of duties outlined in any lawful contract we signed. The addition theft of {$11.00} from our aforementioned closed account ; by Eagle National Bank 's own volition ; and subsequent "" re-opening '' of set account, as well as the "" re-opening '' of our "" e banking '' app which has been closed when the situation would reasonably stand to benifit Eagle National Bank ; must hold this entire situation and Entity as Fraudulent, and demmand the cessation of false and fraudulent credit reporting, and reopening without our consent and now void signatures on this unlawful contract with Eagle National Bank untill the resolution of the fraud investigation conducted by the police, or lawful resolution of the situation in a court of law. We can not and will not be held wholly accountable for a bilateral mistake, especially exacerbated by the fraudulent theft of funds from and account that was "" closed '' untill the situation stood to benefit the interests of Eagle National Bank. We are reporting this situation to the CFPB prior to pursuing legal action against this company in an effort to resolve the situation reasonably before having to continue pursuing legal action.",,Consent provided,Web,2017-02-14,Closed with explanation,Yes,,CR2343731,3921
2017-02-14,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX, 2016, I deposited an old payroll check via ATM teller ... I found the XXXX XXXX XXXX payroll check within my storage unit. Since there was no expiration date on it, I decided to collect my unpaid funds. After Eagle National Bank cashed it and they later performed a charge-back on my account : XXXX XXXX XXXX XXXX XXXX ) due to the issue date. I was also charged a fee of {$12.00} due to the date of the check by Eagle National Bank. 

I am requesting the amount of the XXXX XXXX XXXX XXXX check in the amount of {$170.00} refunded back into my Eagle National Bank account as well as, the {$12.00} fee taken out of my bank account balance. 

*I can be reached via the following information below regarding my bank account complaint : XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX",,Consent provided,Web,2017-02-17,Closed with monetary relief,Yes,Yes,CR2344574,513
2017-02-14,Bank account or service,Savings account,Deposits and withdrawals,,"On XXXX XXXX, 2017, I went to the Eagle National Bank branch at XXXX XXXX XXXX, XXXX to deposit {$20.00} into XXXX of my sons bank account as a gift for XXXX Day from his mother and father. 

He lives in XXXX and there is a problem with mail theft in his building, so we do not mail him anything of value. 

Eagle National Bank would not let me deposit the {$20.00} into his account unless I allowed them to copy PII ( my driver 's license ). I did show them my license. 

I have no association with the Eagle National Bank and have no reason to allow them to copy personably identifiable information that may be used for non-security purposes or lost. 

Is there a federal law or regulation that allows a bank to mine information when XXXX is making a deposit of funds that is under the {$10000.00} amount?",,Consent provided,Web,2017-02-14,Closed with explanation,Yes,,CR2343497,325
2017-02-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XXXX XXXX, XXXX I deposited a check into my Eagle National Bank checking account from my ex husband XXXX XXXX for {$2500.00}. It was for court ordered alimony & child support payment for XXXX due on XXXX/XXXX/XXXX ( it 's dated XXXX/XXXX/XXXX idk why ). The check is written out on a Eagle National Bank checking account. It cleared and no problem. XXXX XXXX XXXX I received a call that a check I wrote to my accountant had bounced. After further investigation I found that XXXX had put a stop payment on the check and they deducted from my account 45 days later. I 'm questioning the legality of this action. There must be some kind or rules as to limitations of stop payments can be made. I encountered not only embarrassment from this action but bank & other associated fees due to this action. I want to know if this is legal or not? I have filed a complaint with the bank with no success or answer to my question.",,Consent provided,Web,2017-02-14,Closed with explanation,Yes,,CR2343651,3422
2017-02-14,Credit card,,Credit determination,,A credit card from Eagle National Bank is on my credit report. I do not have this card. I beleave my ex wife has it and wont take me off of the card. I am since remarried and we are trying to buy a home but the amount on this card is a real problem.,,Consent provided,Web,2017-02-14,Closed with non-monetary relief,Yes,,CR2343297,2429
2017-02-14,Credit card,,Other,,"I spoke to a rep at Eagle National Bank in XXXX and was told, because I had a complaint opened with an executive services department and was waiting for a resolution, I was unsure how much my monthly payment should be. I was advised of the amount to pay, paid it, then received a mark on my credit report showing a late payment for XX/XX/XXXX. After attempting to correct this with multiple representatives, I was put in contact with someone new from their exective office who sent me a letter, in registered mail, that basically said, as per the law, they were required to report me as late in XXXX.. Case closed. This is UNACCEPTABLE",,Consent provided,Web,2017-02-14,Closed with explanation,Yes,Yes,CR2344268,4783
2017-02-14,Credit card,,Billing disputes,,"I was offered a settlement for my past due credit card and after giving my payment information, was denied the settlement and told to seek credit counseling. I was repeatedly told that Eagle National Bank would not put my ability to pay my basic bills in jeopardy if I was unable to pay toward my credit card. I was also NOT told that I had to call to cancel the payments after the settlement was denied nor was I told that the payments would go through despite being denied the settlement. The payments were CONTINGENT on the settlement and no final authorization or agreement was reached. I was denied and therefore DID NOT AUTHORIZE any other payments. I had $XXXX withdrawn from my account without my consent and Eagle National Bank is refusing to return that money even after informing them that this UNAUTHORIZED withdrawal of funds was going to cause me to bounce payments that I had mailed for my basic bills since I was not expecting that money to be withdrawn.",,Consent provided,Web,2017-02-16,Closed with explanation,Yes,,CR2340846,4300
2017-02-14,Credit card,,Identity theft / Fraud / Embezzlement,,"Somebody stole my credit card identity information and made XXXX purchases in a supermarket named XXXX for {$510.00} between XXXX and XXXX. There were other XXXX charges in other locations for {$400.00}. I have never been in any of these merchant locations, actually, I had to XXXX it because I did n't have any idea who it was when I read its name in the charge description. I disputed all charges when I received a text message from Eagle National Bank on XXXX asking my approval for XXXX of those charges. Actually, I was sleeping at the moment I received the text message because I work during night shift. I swiftly replied "" NO '', the credit card was immediately blocked, and I went to XXXX of the branches to report all these XXXX fraudulent charges, and requested a new credit card with a different account number. 
XXXX sent a receipt of XXXX of the XXXX charges ( {$220.00} ) to Eagle National Bank that was signed electronically ( it does n't show my handwritten signature ), and the bank asked me a valid credit slip showing that the merchant intended to issue credit to my account. I explained the bank all the facts and impossibility of obtaining such receipt, the bank invalidated my dispute recharging me that amount. 
It draws my attention this merchant presented a receipt for {$220.00} charge only, and did n't rejected the other XXXX disputes ( {$250.00} and {$29.00} ). 
What is more disappointing is that Eagle National Bank honors this kind of fraudulent actions despite I rejected this charge since the very beginning and make me waste my valuable time. Now, I have to go to the merchant place and if I can not get the credit from them, I have hire a lawyer to dispute this charge.",Servicemember,Consent provided,Web,2017-02-14,Closed with explanation,Yes,,CR2343099,5606
2017-02-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-02-14,Closed with monetary relief,Yes,,CR2344134,3105
2017-02-14,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2017-02-14,Closed with explanation,Yes,,CR2343057,1694
2017-02-14,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2017-02-14,Closed with non-monetary relief,Yes,,CR2342927,4882
2017-02-14,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,Consent not provided,Web,2017-02-14,Closed with monetary relief,Yes,,CR2344697,1579
2017-02-14,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2017-02-14,Closed with explanation,Yes,Yes,CR2343426,3399
2017-02-13,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank charge me, {$140.00} in overdraft fee 's. Eagle National Bank had me signed for tex, and email messages to alert me of any low balance so i was able to replenish my account. As of XX/XX/2017 i checked my balance was XXXX cents, Today XX/XX/XXXX i found the overdraft. i never was alerted as prior times.I 'm XXXX, i spoke with the bank and they said it came in at closing time, how convenience for them.",,Consent provided,Web,2017-02-13,Closed with monetary relief,Yes,,CR2340733,13955
2017-02-13,Credit card,,Billing disputes,,"Eagle National Bank issued me a new credit card because my account number was compromised in a data breach. I received the new card and began using it around XX/XX/XXXX, authorizing payments from my checking account on time through the online bill pay feature on Eagle National Bank 's website. In XX/XX/XXXX ( several months after I received the new card ) I went to the Eagle National Bank website and authorized automatic payments from the same checking account for the full amount of each credit card bill since I was going to be traveling and did not want to miss a payment. For some reason Eagle National Bank did not withdraw the funds to pay the bill in XX/XX/XXXX and XX/XX/XXXX as it should have with the automatic payment setup. Instead, Eagle National Bankn reported to the credit bureaus that I was overdue on on my payment, reduced the line of credit on the card significantly, and closed a separate credit card account. Upon later speaking to a Eagle National Bank representative, it became clear that the bank had not updated its online bill pay system with the new card number that it had issued to me several months earlier. Apparently, because Eagle National Bank associated the account with the inactive card number, it withdrew {$0.00} each month even though I had used the card. As of XX/XX/XXXX, the Eagle National Bank bill pay system still reflected the old card number ( a screenshot of the bill pay website showing the old card number associated with the account is attached to this complaint ) even though it was inactive and the new card was active and being used. As a result of Eagle National Bank 's error in not updating its online bill pay system to associate my account with the new card that it had issued to me because of a data breach, it reported that my card was not paid on time to the credit bureaus. Upon learning that the card was not paid via the automatic payment, I immediately made payment over the phone from my checking account. In acknowledging the error on its part, Eagle National Bank refunded the interest charge it had put on the account. Unfortunately, Eagle National Bank refuses to remove the derogatory credit marks on my credit report.",,Consent provided,Web,2017-02-13,Closed with explanation,Yes,,CR2341667,4094
2017-02-13,Credit card,,Transaction issue,,"Eagle National Bank refused to correct their multiple errors. This is for a Visa card. 

EN deducted close to {$5000.00} from my checking account and has refused to return it. At the time ( XX/XX/XXXX ) I spoke with XXXX customer service reps who insisted their mistake was corrected and the money would be returned. I was provided {$5.00} at my insistence to cover interest for what could be a couple of days. 

This withdrawal was due to a customer service error. A few weeks prior I had obtained a balance transfer on this credit card. I changed the automatic payment from pay full statement balance to pay minimum payment due. There were a few leftover charges and one recurring payment. I updated everything online. Two days before the payment due date/auto payment, I called to make sure everything was OK. I spoke with someone to make sure everything was OK. 

Two days later the full, new balance transfer was removed and my checking account was in the whole. I was charged a fee for the balance transfer. 

Now, 5 days and 3 business days later the money still has not been returned. Seven ( 7!! ) calls to EN, including talks with several "" managers '' today have failed to resolve the problem at all -- I mean, there is no hint as to a course of action to take.",,Consent provided,Web,2017-02-13,Closed with monetary relief,Yes,,CR2340815,3195
2017-02-13,Credit card,,Billing disputes,,"Our family left the country for two months XXXX XXXX, XXXX XXXX XXXX, XXXX ). I contacted Eagle National Bank beforehand per telephone telling of our intentions and made on XXXX XXXX, XXXX a payment and explained to them this was specifically to cover any amounts due until our return this date, XXXX XXXX. On XXXX XXXX, XXXX our credit card quit working. I called the bank and after 30 minutes hold time I was told I would be charged late fees and penalties. ( total amounts yet unknown ). I feel these penalties are unjust & fraudulent as they were informed beforehand I would be out of reach to contact or make payments ( the {$2000.00} prepayment ). The penalties will reflect that I paid my bills late affecting my flawless credit as well as I feel the unjust fees. This I feel 100 % the fault of the Eagle National Bank and ask for any assistance in resolving this dispute. I feel as this bank is falsely charging penalties causing myself and my family undue duress.",Older American,Consent provided,Web,2017-02-13,Closed with explanation,Yes,,CR2342523,2384
2017-02-13,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2017-02-13,Closed with monetary relief,Yes,,CR2341599,4976
2017-02-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-02-13,Closed with explanation,Yes,Yes,CR2340942,915
2017-02-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Other,Web,2017-02-13,Closed with monetary relief,Yes,,CR2341857,2953
2017-02-12,Bank account or service,Checking account,Deposits and withdrawals,,"[ Case number : XXXX ] Eagle National Bank did n't follow the law by allowing funds in my bank account to be levied even after I showed them supporting documents as well as the supporting CCP codes 704.140/704.160. 

Now a judgement has been ruled in my favor thus doing the job that BofA did n't.",,Consent provided,Web,2017-02-15,Closed with monetary relief,Yes,,CR2340647,5461
2017-02-12,Bank account or service,Checking account,Deposits and withdrawals,,I have been a customer of BofA for 22 years and I am so mad at how they do their entries on activities in our accounts. Like on XX/XX/2017 my available balance was {$57.00}. I issued a check to XXXX XXXX XXXX for {$50.00} that was presented to the bank on the same day and is showed on my account activity only that they paid the check but made it appear that is still in process so they were able to charge me an overdraft fee of {$36.00} when I have enough to cover that check. And today when I called they were telling me that they were still waiting for a transaction for {$12.00} so they can charge me another fee. I just deposited {$70.00} this morning so I have enough to pay for this. I can see how shady the banks are. What if a customer does not have online banking and can not check their account everyday like me or they do not have a checkbook to balance their accounts. And this is why we need CFPB to help us.,Older American,Consent provided,Web,2017-02-12,Closed with monetary relief,Yes,,CR2339794,9760
2017-02-12,Bank account or service,Checking account,Problems caused by my funds being low,,"My bank ( Eagle National Bank ) debited my account over {$840.00} for a legal action taken against my account ( It was an old debt. ), and then debited {$120.00} service fee for the task of performing the debit. They had done so without any prior warnings. not even an alert which im enrolled to receive. So as I paid a couple of utility bills, I paused to check my checking balance. and was in total shock to see my balance was -XXXX I was over-drafted by {$35.00} and that was the over draft fee. The next few days I was heavily bombarded with returned payments along with the bank fees and more over draft fees. Which only added insult to my injury.",,Consent provided,Web,2017-02-12,Closed with monetary relief,Yes,,CR2339763,4174
2017-02-12,Credit card,,Rewards,,"I was on a XXXX flight when the flight attendants offered an incentive program to sign up for a XXXX Master Card to receive XXXX FREE ROUNDTRIP TICKETS by redeeming XXXX FREE points upon acceptance. 

When I tried to redeem my "" FREE '' tickets, I found that it was more expensive to get them with free points than buying directly at retail price ( difference was {$35.00} more after added {$100.00} redemption fee and other extras that cost more than when buying a full price ticket ). 

When I called to complain they told me free tx had to be redeemed 6 months in advance and I should call Eagle National Bank because they were not responsible Eagle National Bank directed me to XXXX and said they were not responsible",,Consent provided,Web,2017-02-12,Closed with explanation,Yes,,CR2340605,4285
2017-02-12,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2017-02-12,Closed with monetary relief,Yes,,CR2340105,2906
2017-02-12,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2017-02-15,Closed with monetary relief,Yes,,CR2339746,9930
2017-02-11,Bank account or service,Checking account,Using a debit or ATM card,,"Abuse # 1 ) Every year for the past several years we have had to contact BofA and request that transactions never be paid for our debit card if there are insufficient funds in the account. And every year Eagle National Bank resets our debit card so transactions will be paid regardless of balance and a {$35.00} fee charged. 

It is a violation of both federal and state law for Eagle National Bankn to alter a customer account in this way, against the customer 's continued requests not to, just to continually perpetuate the scam of {$35.00} transaction fees. 

Abuse # 2 Further, we receive an email immediately after the {$35.00} dollar fee is charged. An honest bank would send an email immediately but before charging {$35.00} stating there are insufficient funds should a customer want those transactions paid ( we do n't but other customers may ), in which case one could have the option of using another debit card or transferring funds immediately to BofA. Transferring money between accounts is instant and free and easy online or via an APP. This kind of abusive behavior by any bank, especially a national bank such as Eagle National Bank, is absolutely inexcusable. 

If BofA is running this abusive scam with us year after year, they are certainly scamming and abusing other customers continually year after year as well.",,Consent provided,Web,2017-02-11,Closed with monetary relief,Yes,Yes,CR2338123,2230
2017-02-11,Bank account or service,Checking account,Deposits and withdrawals,,"i have been fighting with Eagle National Bank for over 3 1/2 years now and they are playing silly games!!! I recently filed a complaint with CFPB about 10 days ago, and i got a response from CFPB that the bank said i should call them to make a report of fraud, well i had already done this in XXXX XXXX, but i figure id try it again, after 10 phone calls i finally was transferred 5 times through all departments [ 45 mins ] to get to the fraud department, and they told me the same thing!!!!!! as XXXX XXXX, AFTER ANSWERING ALL THEIR SECURITY QUESTIONS THEY WANTED TO KNOW MY DEBIT CARD NUMBER FROM XXXX OR WOULD NOT PROCESS ANY CLAIM!!! THIS IS TOTALLY STUPID BEYOND MY BELIEF,!!! THEY SAY BECAUSE IT IS A FAILURE TO PROVIDE INFORMATION REQUESTED THEY WILL NOT PROCESS A CLAIM FOR FRAUD??!!! THIS IS CLEARLY CRIMINAL,!!! so lets take a look at this FRAUD, there was a debit purchase made in XXXX XXXX at "" the battery shop '' for XXXX at that time the account was closed with a zero balance, how could a debit occur when there was a zero balance?? they can not answer, furthermore ive been a mechanic all my live and drive a XXXX truck, WHO IN THEIR RIGHT MIND BUYS A XXXX $ $ BATTERY?? not even XXXX, ive sent them a letter asking for validation of debt and CEASE AND DESIST, and they send me back a statement, a statement proves NOTHING!! ive called over 50 times over the past years to experience manipulative un-coroperative, criminal behavior, its a discrace!! furthermore they are in NUMEROUS VIOLATIONS OF FDCPA!!! alledged debt reported inaccuratly, defamation of character, many disputes by me and they fail to show validation, they refuse to correct false information, they still continue to report an unvalidated debt, heres about XXXX $ $ in violations, FURTHERMORE THIS ALLEGED DEBT IS PAST 7 YEARS OLD EFFECTIVE XXXX/XXXX/XXXX!!! AND THEY OWE FINES FOR THAT TOO!! THIS Eagle National Bank IS NOTHING LESS THAN XXXX CRIMINALS, THEY HAVE ABSOLUTELY NO RESPECT FOR THE LAW OR ANYBODY 'S RIGHTS, THEY ARE TOTALLY WITHIN THE WRONG!!! VERY UNPROFESSIONAL AND NEGLECTFUL IN ALL ASPECTS OF MORALITY AND COMMUNICATION TOTALLY XXXX!!!!! i can go on and on and on, the total XXXX when you call them how many times they play their silly word games and transfer the line when a problem so simple could be solved so easily, they still REFUSE to cooperate and play games & gt ; & gt ; just like the criminals they are!! so can anyone tell me why after 7 years theyre still reporting an alleged debt??, WHY Eagle National Bank IS IN MY LIFE WITH NO VALID CONTRACT?? PLEASE EXPLAIN THIS TO ME, Eagle National Bank at least should have been out of my life with this frivolous sh-t on XXXX/XXXX/XXXX and they are over 2 months PAST DUE, so they owe me for that violation also, i will continue to complain untill they are gone!!! so to the CFPB, i did call them and try to resolve this matter 4 days ago and they drove me NUTS on the phone and kept requiring me to give them a debit card # from XXXX, this is totally XXXX, nonsence!!!",,Consent provided,Web,2017-02-11,Closed with explanation,Yes,,CR2340062,4518
2017-02-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,I would Like to file a complaint on Eagle National Bank On XX/XX/XXXX I sent a request for them to investigate a authorized credit inquiry on my XXXX and XXXX report I sent in a copy of a police report explain that I was a victim of id theft. Eagle National Bank never replied back the inquiry was Pulled on XX/XX/XXXX,,Consent provided,Web,2017-02-11,Closed with non-monetary relief,Yes,,CR2339512,3904
2017-02-11,Credit card,,Unsolicited issuance of credit card,,"I never signed, dor used any credit card from Eagle National Bank as authorized user.",Older American,Consent provided,Web,2017-02-11,Closed with non-monetary relief,Yes,,CR2340206,3972
2017-02-11,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2017-02-11,Closed with explanation,Yes,,CR2340251,9914
2017-02-10,Bank account or service,Savings account,"Account opening, closing, or management",,Eagle National Bank said they ended a promotion waiving fees on savings account. They said they sent a notice but i did n't receive one. I asked that the {$20.00} in fees be refunded and they refused. I would like the {$20.00} ro be refunded to me.,,Consent provided,Web,2017-02-10,Closed with monetary relief,Yes,,CR2339678,2354
2017-02-10,Bank account or service,Checking account,Deposits and withdrawals,,"I had an account with Eagle National Bank, I was applying online for jobs and I received an interview for a customer service position ; I was told that I will get sent a check to purchase items for the job. Once I received the check I deposited and Eagle National Bank informed me that the check was a fraudulent check I told them what happen and I received XXXX msg fees because XXXX pending transactions posted ; the rep informed me to write a letter exposing what happen and pay the fees and nothing would be reported to XXXX but I will not be able to open another account with them, I did What he told me and assumed I was told the truth years later while in the process of buying a home I 'm told that I was reported to XXXX as a fraudulent account this is not my fault I thought that this was a legit work from home job as I 've worked for XXXX for years ... and the representative at that time told me I would be okay ; it should not be okay to be lied to I do n't owe Eagle National Bank any money and now I 'm being block from providing for my family because I thought my Bank would protect me but I was lied to did what I was told never committed any fraud ; all because I deposited a check that I received in the mail to to start a job that I thought was legit.",,Consent provided,Web,2017-02-10,Closed with explanation,Yes,,CR2336777,4862
2017-02-10,Bank account or service,Checking account,Using a debit or ATM card,,I made a Visa Debit card payment of {$80.00} to XXXX. The payment showed up on my account as {$80.00} and then vanished. I new charge of {$100.00} was charged to my account.. I have challenged the business about this difference and the charge remains on my account. My bank maintains the {$100.00} is correct.. What shall I do?,Older American,Consent provided,Web,2017-02-10,Closed with monetary relief,Yes,,CR2338537,694
2017-02-10,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,I was given a deposit from a customer in the amount of {$4400.00} and before depositing it ( I could have cashed it at his bank ) the teller informed me that it would take 2 business days to clear and that {$200.00} would be available the next business day. So after getting a receipt saying the same thing I made arrangements with the customer to start Monday. Now I 've been informed that they put a security hold on my deposit and took back my {$200.00} deposit on this check so now they added 6 days to the time my check will clear with no reason why and wo n't do anything to expedite it. I 've called the customers bank to verify funds and now I 'm at risk of looking unprofessional for not showing up on the day we originally agreed to. What if anything can I do to take legal actions for the misinformation I was originally given which has lead to bad business practice at the hands of EN? I will be closing my account and changing banks as soon as my deposit clears I 'm just glad I did n't open a business account through them that would have been a huge mistake,,Consent provided,Web,2017-02-14,Closed with explanation,Yes,,CR2337095,964
2017-02-10,Bank account or service,Checking account,Deposits and withdrawals,,"My friend transferred {$100.00} to my EN account through the XXXX quickpay on XX/XX/2016, but I did not received it, and EN agent did not take care of my matter, my friend showed me a letter from XXXX bank state that the money was transferred to EN. I told EN agent about this letter. They still did not take care of it. Please help me to find out the money and refund to me. 
Thanks XXXX",,Consent provided,Web,2017-02-10,Closed with monetary relief,Yes,,CR2338389,3815
2017-02-10,Bank account or service,Checking account,Using a debit or ATM card,,"On XX/XX/XXXX I purchased an armchair from XXXX for about {$450.00} using my Eagle National Bank Debit Card. The transaction was immediately reflected in my online bank account. My armchair was set to be delivered on Thursday XX/XX/XXXX. On XX/XX/XXXX my armchair arrived and later that day by XXXX I received an email notification from XXXX that my card was charged. Come Friday or rather Saturday at XXXX I received an email from Eagle National Bank stating that my balance for my checking account was below {$25.00}. I had just gone out to eat and so that made sense. I check my bank account and it says that I have {$500.00}, now that did not make sense. It was not payday so I should not have had any direct deposits. I scrolled back through all my recent charges and finally realized that the charge for my XXXX armchair was missing. With the charge gone my account now claimed that I had an extra {$440.00} that it really did not have. I have heard of Eagle National Bank moving around people 's charges so that they will incur overdraw fees. I felt certain that this was the case. If XXXX had charged the card on Thursday XX/XX/XXXX at XXXX why would n't the charge be there Saturday XX/XX/XXXX at XXXX? At the very least it should at least say that it was processing. It was not there at all. More confusing still, the charge used to be accounted for. The last time I had checked my bank account balance that week I had only about {$100.00}, now I had a little over {$500.00}. Throughout the weekend I tried not use this checking account ( I have another ) just to see what would happen. By XXXX Monday XX/XX/XXXX my account still said that I had an extra XXXX something dollar. I placed a call with consumer finance to make sure that my story seemed appropriate for filing a complaint. I was going to go to Eagle National Bank to ask that they fix my account but I arrived at the bank after closing hours. By XXXX Tuesday morning my account balance was accurate, it said I had like {$15.00} in that account and the XXXX armchair charge was labeled as "" processing '' since XXXX XXXX. I 'm confused as to why it was labeled for XX/XX/XXXX when it certainly was not visible in my account on XX/XX/XXXX. I am thoroughly convinced that Eagle National Bank was "" hiding '' this charge from me, hoping that i might think I had more money then I actually had and overdraft my account. I have provided screenshots of my account statement showing all the charges from XX/XX/XXXX all the way through to XX/XX/XXXX. You can see that the charge is not there. I also provided a screenshot of the email from Eagle National Bank stating that, that account had below {$25.00}. I also provided a screenshot of the XXXX email claiming that my card had been charged on XX/XX/XXXX at XXXX and that the order was placed XX/XX/XXXX. Finally I provided a screenshot of my account that shows the XXXX charged labeled for XX/XX/XXXX.",,Consent provided,Web,2017-02-10,Closed with explanation,Yes,,CR2337456,10566
2017-02-10,Credit card,,Billing disputes,,"Eagle National Bank ( EN ) continues to refuse to accept my payments. On two separate occasions they have refused to accept online bill pay checks drawn from XXXX XXXX XXXX XXXX ( XXXX ). XXXX reports that the checks were reportedly returned because EN was unable to determine the account number. This assertion is false on its face. Each check contained my full name and and either the full account number or a redacted version. See the attachment to this message, a threatening letter from EN, that includes a payment coupon which only references my name and a portion of the account number. As you can see, its explanation lack substance. Upon information and belief, EN is refusing to accept my payments in order to assess unlawful late penalties. In a third payment attempt, on XX/XX/2017, I paid the balance in full at the site XXXX. It is unclear if EN will process this payment. If so, this should conclude that matter. All late payments must be refunded and my balance XXXX. Any and all derogatory information reported to credit agencies must be recalled and corrected. Thank you. 
Very truly yours, XXXX XXXX",Servicemember,Consent provided,Web,2017-02-10,Closed with explanation,Yes,Yes,CR2337807,2462
2017-02-10,Credit card,,Balance transfer,,"Eagle National Bank provided no warning, written via telephone nor via email though in full possession of those facts about the expiration of an offer. In point of fact in violation of the Fair Credit Reporting Act have forced me into a negative option.",Older American,Consent provided,Web,2017-02-10,Closed with explanation,Yes,,CR2339581,3329
2017-02-10,Credit card,,Billing disputes,,"I had a monthly recurring payment with a vendor. In XX/XX/XXXX I notified them in writing that I was revoking their right to put charges that credit card, or any others they may have on file for me. 

I also called my credit card company, Eagle National Bank, and told them by phone that this particular vendor was no longer authorized to charge my card. The customer service rep for Eagle National Bank told me they could not block charges for any reason. 

In XX/XX/XXXX the vendor put through XXXX charges, XXXX for {$550.00} and XXXX for {$2700.00}. I disputed both to Eagle National Bank, but the bank ruled in favor of the vendor, even though I showed that I had notified said vendor, in writing in accordance with the law. I have the email trail showing that they received and acknowledged receipt of my notification.",Servicemember,Consent provided,Web,2017-02-10,Closed with explanation,Yes,Yes,CR2338683,2546
2017-02-10,Credit card,,Credit determination,,I noticed recently that on my credit report there is a potential negative information posted on XX/XX/2017 I have a Eagle National Bank Master Card with {$31000.00} credit limit. My balance on card was reported {$31000.00} which is true but it exceeded due to the Interest/Service fees charged by Eagle National Bank As we know credit card company never authorize any charge over credit limit.,Older American,Consent provided,Web,2017-02-10,Closed with explanation,Yes,,CR2339669,1982
2017-02-10,Credit card,,Advertising and marketing,,"I recently applied for a Eagle National Bank travel rewards credit card since they were offering a promotion as per attached snapshot. I got approved and spoke to Eagle National Bank support rep and to my dismay Eagle National Bank web site is extremely misleading and specialized in wasting valuable customer time. I have been banking with EN for last 20 years and my experience with EN is getting poor to worst ever. 
A per EN web site you get XXXX online bonus points after you make at least {$1000.00} in purchases in the first 90 days. Redeem your points toward travel purchases. As per customer support rep I spoke to this promotion applies only to retail purchases and EN purposely exclude these disclosures in their web site as per link below. Also EN did n't mention that travel bonus reward points will be awarded after 90 days of spending {$1000.00} in their web site which is misleading as well. I am planning to travel in XXXX and planning to spend {$1000.00} as soon as I received the card. Since these discolosures are not there in the EN web site they should credit XXXX online bonus points as soon as I spend {$1000.00}. When I made this request from EN supervisor she hangs up the phone and XXXX mins I spent on the phone with EN is a waste of my time. 

Here is a link to EN travel reward credit card and I have attached a snapshot as well. 
XXXX",,Consent provided,Web,2017-02-10,Closed with explanation,Yes,,CR2339453,428
2017-02-10,Credit card,,Identity theft / Fraud / Embezzlement,,"XX/XX/XXXX my credit card was stolen and was used to make a fraudulent charge. I received notification of suspicious account activity from my credit card company and confirmed to them the charge was fraudulent. They refunded the fraudulent charge in a few days. XX/XX/XXXX the charge reappeared on my credit card. I contacted the credit card company about it and was told that they had concluded their internal investigation and deemed that the charge was valid. It has now been over 2 weeks since the charge reappeared on my card, and they have provided me no evidence to what led them to the incorrect conclusion that the charge was valid.",,Consent provided,Web,2017-02-10,Closed with monetary relief,Yes,,CR2337937,1737
2017-02-10,Credit card,,Other fee,,,,Consent not provided,Web,2017-02-10,Closed with monetary relief,Yes,,CR2336672,11943
2017-02-10,Credit card,,Other fee,,,,Consent not provided,Web,2017-02-10,Closed with monetary relief,Yes,,CR2336569,2835
2017-02-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-02-14,Closed with explanation,Yes,,CR2339529,4681
2017-02-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-02-10,Closed with explanation,Yes,,CR2337900,1798
2017-02-09,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank charged me a {$12.00} maintenance for when my balance dipped below the minimum requirement of {$1500.00} for just one night. The next day I had {$1000.00} put into the account to bring up the balance. In addition, my balance has always stayed above the {$1500.00} minimum for all the other days of the month. I find it very exploitative that I would be charged the full maintenance fee for having my balance fall below the minimum for just one day as for compared to somebody who was below the minimum for the entire duration of the cycle. One day versus the whole month should not equate to the same amount. I called customer service, spoke to a supervisor and they continued to insist that the {$12.00} fee is fair to be charged to my account.",,Consent provided,Web,2017-02-09,Closed with monetary relief,Yes,,CR2337026,13845
2017-02-09,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank charged return fee XXXX XXXX this is not fair. 
XXXX XXXX XX/XX/2017 friday my online banking balance was not negative. 
XX/XX/2017 Saturday my online banking balance negative. ( XXXX transition ) XX/XX/2017 called EN customer service, XXXX ( refresentitive ) advised deposit right away. 
XX/XX/2017 all cash deposited, But, they returned check and charged return fees XXXX XXXX",,Consent provided,Web,2017-02-09,Closed with monetary relief,Yes,,CR2337734,4498
2017-02-09,Bank account or service,Checking account,"Account opening, closing, or management",,"Dear CFPB, I have been with Eagle National Bank for 13 years, and recently I have been treated unfairly. My Checking account product type was changed without my permission or notice, and I did not receive any disclosures. 

My checking account did not have any fees in the previous years. The first fee showed up on XXXX/XXXX/XXXX in the amount of {$25.00}, I called their customer service line and had the fee reserved and the account product type changed to a lower balance checking account. However, the EN customer service did not complete the task. I then followed up again in XXXX XXXX, and was notified the account type was changed and the fees would be reversed. Which did not happen ... I followed up in again on XXXX XXXX, and then again in XXXX XXXX, and now today XXXX XXXX. I was promised in XXXX and XXXX XXXX the account type was changed and the fees would be reversed. Which did not happen ... 

I find it distasteful that a Eagle National Bank can change the account type without notifying the consumer, charge fees without a disclosure, drop the ball on multiple occasion in customer service, forcing the customer to follow up constantly regarding the account product type change, and assessing fees that should not be assessed.",,Consent provided,Web,2017-02-09,Closed with monetary relief,Yes,,CR2336468,267
2017-02-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I closed a locker at my Eagle National Bank branch ( XXXX XXXX, CA ) in XXXX 2016. They were supposed to refund my deposit of {$25.00} to my checking account. Its been 6 months and I have called them 3 times but nothing seems to happen. 

Can you help me get my $ $ back?",,Consent provided,Web,2017-02-09,Closed with monetary relief,Yes,,CR2337126,4503
2017-02-09,Bank account or service,Savings account,"Account opening, closing, or management",,"I had XXXX Eagle National Bank savings accounts. Both had a XXXX in them, and I really did n't check them very often. I checked XXXX last week because I noticed the balance looked lower than it was before. It turns out that since XX/XX/XXXX, Eagle National Bank had been charging me a $ XXXX monthly maintenance fee. They said to avoid the fee I could have a balance of over {$300.00}. I was annoyed that I was being charged the maintenance fee since XXXX and only just now realized it, but it was n't a big deal to me as long as the fee stopped from now on. Yesterday, I checked the account to find another {$5.00} maintenance fee. This time, I called Eagle National Bank because I did not even want the savings account anyway. I spoke to them, told them it was dishonest to charge this fee without letting me know, and that I wanted to close the accounts and get a credit for the fees since XX/XX/XXXX. The customer service was incredibly nice and helpful, closing the accounts as I requested - but they said only the fee from yesterday could be reversed. I 'm a little annoyed about this and why I was n't informed, but they said they informed me on my statement XX/XX/XXXX that charges would start taking place after XX/XX/XXXX. But first, charges did n't take place until XX/XX/XXXX ( they said there is a 3 month grace period ) ; second, it was on the very last page of a XXXX-page statement ; and finally, I do n't actually read my statement because I do paperless statements so there 's never a reason to do it. To make things worse, they had actually changed my checking account a few months ago and sent me a specific email saying they did that. Why did n't they do the same for the savings account? Customer service implied that the regulations say they have to do that for checking accounts but not savings accounts. That is dishonest and a terrible way to do business.",,Consent provided,Web,2017-02-09,Closed with monetary relief,Yes,,CR2335275,1979
2017-02-09,Bank account or service,Savings account,"Account opening, closing, or management",,"When I reviewed my Eagle National Bank SAVINGS account today I noticed that the bank has been charging me Monthly Maintenance Fees for 6 months now. I now realize they have a rule where a fee will be charged If I do not have at least one qualifying direct deposit of {$250.00} or more OR I do not Maintain a minimum daily balance of {$1500.00} or more. BUT the FACT is I have XXXX accounts with them. A core checking,, a joint checking, savings AND a business checkings account where I have direct deposit of {$3900.00} or more every week. Inspite of giving the bank business, it is incorrectly charging me so much in fees which I believe in wrong and it is directly deducting the fees out of my savings account without my permission or knowledge. IF i dont audit my account balances I will not even realise. This is cheating. If they want to charge me fees, they should warn me through email or calling me and offering me to a solution to avoid fees including closing some accounts! I want all my money that I was charged in fees back even if it means closing some or all of the accounts. My wife also has XXXX accounts with Eagle National Bank and I will consider closing all of our accounts if you continue to charge me frivolous fees and dont refund my fees. I am giving you business but you are ripping away my money!!! what a scam. Call me on my phone if you ever want to talk dont stealthily keep charging me fees and take away my hard earned money. 

STOP STEALTHILY STEALING MY MONEY Eagle National Bank!!! I DO NOT EARN AND DEPOSIT MONEY IN THE BANK SO YOU CAN DEDUCT FEES EVERY MONTH. I WILL CONTACT THE ATTORNEY GENERAL OF MASSACHUSETTS AND SENATOR XXXX OFFICE DIRECTLY IF YOU EVER STEAL MY MONEY THROUGH FEES. CALL ME BEFORE YOU WANT TO CHARGE ME FEES.",,Consent provided,Web,2017-02-09,Closed with explanation,Yes,Yes,CR2336452,2165
2017-02-09,Bank account or service,Checking account,"Account opening, closing, or management",,"Yield to High Deposits, Rewards, Missed Deposit and Reserves Prompted Balance Precision Balance Amounts XXXX XXXX, XXXX to XXXX XXXX, XXXX Balance {$75000.00} Receipt deposits {$12000.00} to XXXX Balance {>= $1,000,000} Deposits Credit though not in receipted {>= $1,000,000} to {>= $1,000,000}, {>= $1,000,000} EN Revenue and Reserves Balance {>= $1,000,000} XXXX to XXXX XXXX XXXX and Reserves Balance {>= $1,000,000} At account opening interes computation on interes is calculated on combined account from checking and saving Bank errors are found on interes computation yielding is daily can not presumably tune to XXXX XXXX 366 days and is contradiction to 12 months APY computation notion Actual Rate interes on receipted deposits base on relationship from XXXX to Present, XXXX {$12000.00} to {$40000.00}, should come out to not below 20 % daily Beside prompted and position Eagle National Bank to become number XXXX twice in prior 10 year with net reserve EN {>= $1,000,000} aggregate balance $ XXXX {$700.00}, {>= $1,000,000} Daily Interes sum on combine account deposit is $ XXXX and even applying your so call XXXX formula yield $ XXXX/daily multiply to 130 days yields $ XXXX yield come to $ XXXX multiply to XXXX cycle is {$25000.00} month, Minimum 3 times breach fees apply from XXXX to XXXX {$75000.00} Base on not applicable concealment, not adequate notice and yield breach trend from deposits {$12000.00} to {$40000.00} on 12.5 % ( {$340000.00} ) ( XXXX ) {$540000.00} ( XXXX ) = {>= $1,000,000} Itemized cyclic computation from initial cycle interes on combine accounts is {$1600.00}, from initial date XXXX XXXX, XXXX, .04 % ( XXXX ) {$1400.00} and XXXX XXXX, XXXX, .04 % ( XXXX XXXX {$200.00}, Second Cycle sum is {$46000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$700.00} and XXXX XXXX, .04 % ( {$38000.00} ) {$45000.00} Third Cycle total is {$42000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$34000.00} ) {$41000.00} Fourth Cycle sum is {$39000.00}, XXXX XXXX, XXXX, .04 % ( {$30.00} ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$33000.00} ) {$39000.00} Fifth Cycle Sum is {$39000.00}, XXXX XXXX, XXXX, XXXX ( XXXX ) {$38000.00} XXXX XXXX, XXXX, .045 % ( XXXX ) {$470.00}",,Consent provided,Web,2017-02-14,Closed with explanation,Yes,,CR2337181,4596
2017-02-09,Credit card,,Customer service / Customer relations,,A charge to purchase an airline ticket was declined on suspicion of fraudulent activity by my bank. By the time I corrected the problem the fare for the trip was no longer available and I had to pay more for the trip.,,Consent provided,Web,2017-02-15,Closed with explanation,Yes,,CR2335861,889
2017-02-09,Credit card,,Transaction issue,,,,Consent not provided,Web,2017-02-09,Closed with monetary relief,Yes,,CR2335172,4109
2017-02-09,Credit card,,Delinquent account,,,,Consent not provided,Web,2017-02-09,Closed with explanation,Yes,,CR2336281,5338
2017-02-09,Credit card,,Other,,,,Consent not provided,Web,2017-02-09,Closed with explanation,Yes,,CR2336929,4498
2017-02-09,Credit card,,Application processing delay,,,,Consent not provided,Web,2017-02-09,Closed with non-monetary relief,Yes,,CR2337149,6052
2017-02-09,Credit card,,Billing disputes,,,,Consent not provided,Web,2017-02-09,Closed with explanation,Yes,,CR2336287,2079
2017-02-09,Credit card,,Other,,,,Consent not provided,Web,2017-02-09,Closed with explanation,Yes,,CR2335682,4663
2017-02-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-02-14,Closed with explanation,Yes,,CR2336813,217
2017-02-08,Bank account or service,Checking account,Deposits and withdrawals,,Back in 2012 I had an account with Eagle National Bank.So one day I accidently left my purse on the bus with my debit card and my id in it.Someone found it and did something with my information I informed the bank of it when it happen and I thought they would close the account since I did n't approved but they did n't so now its on my credit.,,Consent provided,Web,2017-02-08,Closed with explanation,Yes,,CR2333675,1394
2017-02-08,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank can instantly email you, to tell you when you 've made a deposit or withdrawal. But if you sign up for email notifications for a low balance, or insufficient funds/overdraft notices, the emails take up to a day to be sent out. 
By the time I receive the notification, it 's too late to do anything, and I just have to deal with multiple overdraft fees.",,Consent provided,Web,2017-02-08,Closed with monetary relief,Yes,,CR2334858,3770
2017-02-08,Bank account or service,Checking account,"Account opening, closing, or management",,"Complaint on Yield to High Deposit, Rewards, Missed Deposit and Reserves Prompted Balance At account opening interes computation on interes is calculated on combined account from checking and saving Bank errors are found on interes computation yielding is daily can not presumably tune to XXXX 0r 366 days and is contradiction to 12 months APY computation notion Actual Rate interes on receipted deposits base on relationship from XXXX to Present, XXXX {$12000.00} to {$40000.00}, should come out to not below 20 % daily Beside prompted and position Eagle National Bank to become number XXXX twice in prior 10 year with net reserve EN {>= $1,000,000} aggregate {>= $1,000,000} Daily Interes sum on combine account deposit is $ XXXX and even applying your so call XXXX formula yield $ XXXX/daily multiply to 130 days yields $ XXXX yield come to $ XXXXmonth multiply to XXXX cycle is {$25000.00} month, Itemized cyclic computation from initial cycle interes on combine accounts is {$1600.00}, from initial date XXXX XXXX, XXXX, .04 % ( XXXX ) {$1400.00} and XXXX XXXX, XXXX, .04 % ( XXXX XXXX {$200.00}, Second Cycle sum is {$46000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$700.00} and XXXX XXXX, .04 % ( {$38000.00} ) {$45000.00} Third Cycle total is {$42000.00}, XXXX XXXX, XXXX, .04 % ( XXXX ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$34000.00} ) {$41000.00} Fourth Cycle sum is {$39000.00}, XXXX XXXX, XXXX, .04 % ( {$30.00} ) {$36.00} and XXXX XXXX, XXXX, .04 % ( {$33000.00} ) {$39000.00} Fifth Cycle Sum is {$39000.00}, XXXX XXXX, XXXX, XXXX ( XXXX ) {$38000.00} XXXX XXXX, XXXX, .045 % ( XXXX ) {$470.00}",,Consent provided,Web,2017-02-08,Closed with explanation,Yes,,CR2335773,3585
2017-02-08,Bank account or service,Checking account,Problems caused by my funds being low,,"I received XXXX overdraft fees to my Eagle National Bank checking account. I made sure to check my balance before sending EVERY payment I made, yet I still magically received XXXX overdraft fees yesterday. I have had this problem before, but the cause never dawned upon me until today. 

I received over XXXX charges to my checking account from Eagle National Bank dating back to XXXX XXXX on XXXX XXXX! It did n't matter that my "" Available balance '' was fine when I made each and every transaction. It turns out that my "" Actual '' balance that differs from the on screen balance was hit with charges from last week YESTERDAY, which made me go below zero and receive x2 {$35.00} overdraft fees. 

I was n't informed of the reasoning until I called into Eagle National Bank and was informed that it 's out of their control when other companies decide to post their transactions. I was n't aware that various companies ( XXXX, XXXX and XXXX XXXX XXXX XXXX ) could mysteriously decide to post their transactions dating up to a week back all on the same day. I smell something fishy.",,Consent provided,Web,2017-02-08,Closed with monetary relief,Yes,,CR2333103,1887
2017-02-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"On XXXX I went into Eagle National Bank located on XXXX in XXXX Texas to open a savings account. While pulling up the computer screen then associate told me that I had an invite to open up another credit card account with Eagle National Bank. After completing the paper work for my savings account she filled out an application for me for another credit card. I was denied! I found it very strange because Eagle National Bank had been sending this invite to me very frequently since last year. After returning home I decided to call the bank and ask them to review application and asked them why I was declined! The representative told me to wait until my decline letter came in the mail. At that point, I asked to speak to a supervisor. The supervisor told me that I was denied because I had XXXX account that were sold in XX/XX/XXXX. I told him that I only had XXXX account with Eagle National Bank in XX/XX/XXXX that my lawyer took care of when I filed bankruptcy. I told them that was not fair because I cleared up my credit and it is in good standing. He said how do you know, I told him that I check my credit report frequently. So after going back and forth he decided to connect with their review department. I spoke with someone in their review department and told them that I only had XXXX account with Eagle National Bank in XX/XX/XXXX which was taken care of by my attorney when I filed bankruptcy. Also. I asked her for the copies. She said that she did n't have the application or the reports on the accounts because they were sold off. She also told me since they were sold off that that was not a reason for them to deny me credit. With this being said, I believe Eagle National Bank denied me credit based on false incorrect information. This is against the law according to the Fair Credit Act, The Consumer Act, and Unfair Business Practices!",,Consent provided,Web,2017-02-08,Closed with explanation,Yes,,CR2334521,2550
2017-02-08,Credit card,,Billing disputes,,"I contacted Eagle National Bank on XXXX XXXX, 2016 to dispute a credit card charge of {$1100.00} from XXXX Rent a Car XXXX in XXXX, XXXX. From the beginning, the Customer Service Representatives ( CSRs ) at Eagle National Bank have treated me with the utmost disrespect regarding this matter ; they immediately sided with XXXX and dismissed my complaint from the beginning. Eagle National Bank has been negligent in investigating my claim that XXXX charged me for services that it did not render. I was told that rental car companies often bill amounts after a rental car has been returned so I did n't have a case since I signed a rental agreement. I 'm not disputing the fact that I signed a rental agreement. My claim is that XXXX charged me for a service that they did not render ; and they charged me for a ticket that I did n't receive. XXXX claims that they charged my credit card {$1600.00} because they paid a ticket on my behalf. For months now, I 've asked to receive the official receipt of payment of this ticket ( a receipt from the government ), and XXXX has n't provided me with this yet. I have been emailed a receipt for the charge from XXXX, but they have not given me the receipt from the government agency in XXXX XXXX that issues receipts for paid tickets. This is standard procedure to provide proof of payment. Even XXXX asked me to provide them with a receipt of payment, if I decided to pay the ticket myself, in order to prove to them that I had paid the ticket ( please see attached email ). I 'm skeptical of this ticket for a couple of reasons. 1. This is a typical scam in XXXX. 2. XXXX has n't provided me with the video/picture of my alleged traffic violation 3. Under XXXX law, XXXX does n't have to pay for traffic tickets from its renters so it had no obligation to pay the ticket for me 4. XXXX supposedly sent my notification about this traffic ticket to the wrong email address, but they managed to use my correct email address for over six months to email me about my pending reservation 5. XXXX has n't given me a receipt from XXXX to prove that they provided me with the service of paying my ticket. Until XXXX provides me with a receipt from XXXX, they have n't provided me with the service they charged me for so my claim is valid. Eagle National Bank has concluded that XXXX 's charges were legitimate even though XXXX has not provided Eagle National Bank with any proof that I received a traffic violation. XXXX has n't even provided Eagle National Bank with a receipt to prove that it paid {$1600.00} for my alleged traffic violation. XXXX claims that they charged my credit card because they paid the traffic ticket on my behalf. If they paid the traffic ticket, then they should have an official receipt from XXXX. XXXX gives you a receipt when you pay a ticket. They have only provided me with a receipt to show that they charged my card- this is not an official receipt from XXXX, and they have provided me with a receipt of my payment to XXXX, again, this is not an official receipt from XXXX. I will repeat that : XXXX was n't even required to send Eagle National Bank a receipt of its payment of the {$1600.00} to XXXX before Eagle National Bank made a decision on my claim. At a minimum, that should have been the first thing that Eagle National Bank requested. I have been told several times by Eagle National Bank that XXXX does n't have to provide them with an official receipt since I signed a rental contract. Eagle National Bank has blatantly refused to even honor my request of asking XXXX to send them a receipt from XXXX as proof of payment. Obviously, the CSRs working for Eagle National Bank do n't understand the fact that even if I signed a rental agreement with XXXX, the company ca n't charge me for a service that it did n't render.",,Consent provided,Web,2017-02-08,Closed with explanation,Yes,,CR2333537,7632
2017-02-08,Credit card,,Other,,"Interested charges appeared on card after submission of auto pay. Company only refunded {$20.00}, and refused to refund all the interests charges.",,Consent provided,Web,2017-02-08,Closed with monetary relief,Yes,,CR2332015,1602
2017-02-08,Credit card,,Privacy,,,,Consent not provided,Web,2017-02-08,Closed with explanation,Yes,,CR2333885,3988
2017-02-08,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2017-02-08,Closed with explanation,Yes,,CR2334089,1401
2017-02-08,Credit card,,Other,,,,Consent not provided,Web,2017-02-08,Closed with explanation,Yes,,CR2334504,5965
2017-02-08,Credit card,,Other fee,,,,Consent not provided,Web,2017-02-08,Closed with monetary relief,Yes,,CR2333803,269
2017-02-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-02-08,Closed with explanation,Yes,,CR2334837,4078
2017-02-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-02-08,Closed with monetary relief,Yes,,CR2334503,3227
2017-02-08,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,Consent not provided,Web,2017-02-13,Closed with explanation,Yes,,CR2333570,3441
2017-02-07,Bank account or service,Checking account,"Account opening, closing, or management",,"After incurring an unwarranted fee, I attempted to close my checking account. I requested that my remaining funds be distributed as {$150.00} in cash and the remainder in a check. I signed for {$150.00} and was handed a cashier 's check for what I thought was the remainder, which I was charged a {$10.00} fee for. Later in that week I was sent an overdraft notice, saying that I was {$150.00} overdrafted. I attempted to determine how this could be online, but EN had canceled my online account which prevented me from accessing my financial records to verify. When I went to the bank, after waiting for 30 minutes I was informed that the {$10.00} fee was made in error, further the banker acknowledged that through the teller 's negligence that the bank had overpaid me, causing the overdraft. I have no desire to spend even more of my valuable time to settle the account - as I view the {$10.00} fee in conjunction with the facially deficient closing of the account, along with the extended wait time, to be retaliatory to me closing the account. Further, when I went in to settle the matter and expressed interest in contacting the CFPB to settle the matter, the bank manager strongly suggested that I settle the account because "" it could go into collection '' or be bad for me down the line - he said I was free to file the complaint but continuously pressed for me to settle the account to avoid future negative outcomes.",,Consent provided,Web,2017-02-07,Closed with monetary relief,Yes,Yes,CR2332016,5420
2017-02-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I am filing a complaint against Eagle National Bank because on XXXX XXXX 2017 I had a wire from prosper market place in the amount of {$33000.00} and I also deposited a check from a line of credit that was approved in my name in the amount of {$10000.00}. Eagle National Bank is claiming that they received a call from XXXX Bank in reference to the valid deposit. The loan is in my name and valid yet XXXX wants to do further research. I have already provided XXXX with proof of identity and gone in to the branch but they are giving me a headache after the check has already cleared with Eagle National Bank. Because of this Eagle National Bank has place a hold of {>= $1,000,000} on my account and is not letting me access any of my funds. This is illegal that they are holding even the wire that has nothing to do with XXXX bank deposit of {$10000.00}. I need my funds released ASAP.",,Consent provided,Web,2017-02-07,Closed with explanation,Yes,,CR2333378,2247
2017-02-07,Bank account or service,Checking account,"Account opening, closing, or management",,"I have been a Eagle National Bank customer since 2010. My salary, my home loan, everything are with EN. Besides that I have been using Eagle National Bank to accept more than 10 times wire transfer and none of them charge me fees. Every time my fee is waived since I am a loyalty customer.Even last time I called the agent and been told, I just to need to call every time after the fee post and they can waive it for me. Today the representative refuse to refund my wire transfer fee. And they need to be responsible for the misleading the customer. I have a lot more choices to accept the big wire transfer, but I get used to use the EN which made me so disappoint today.",,Consent provided,Web,2017-02-07,Closed with monetary relief,Yes,,CR2332671,8432
2017-02-07,Bank account or service,Checking account,Using a debit or ATM card,,"I have had fraud charges that the bank refuses to investigate or support evidence that they have investigated the charges. I have {$8600.00} in fraud charges and they refuse to investigate vendor, do not support any documentation to support their decision.",,Consent provided,Web,2017-02-07,Closed with explanation,Yes,,CR2330141,3025
2017-02-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I schedule my XXXX mother 's bill payments to be "" delivered by '' a certain date and her bank, Eagle National Bank/XXXX, bank consistently sends them late, leading her to incur interest charges and fees. It 's not as if it 's a single credit card company that is failing to timely credit the payment on the other end. It happens with all of her cards and the language on the B of A/XXXX bill pay website clearly says, "" deliver by '' and asks you to confirm that date twice before sending the payment ; yet, it arrives late.",Older American,Consent provided,Web,2017-02-07,Closed with monetary relief,Yes,,CR2328753,9880
2017-02-07,Bank account or service,Checking account,"Account opening, closing, or management",,My account was closed with no warning or communication. My account had suspected fraud due to some suspicious transactions and Eagle National Bank closed it with no correspondence. I have n't been able to open a checking account since and do not want to wait 5 years to open another one.,,Consent provided,Web,2017-02-07,Closed with explanation,Yes,Yes,CR2332314,12750
2017-02-07,Bank account or service,Checking account,Using a debit or ATM card,,"sometime the end of XXXX Eagle National Bank closed my ATM card and sent a new XXXX which I activated. The new card that was activated keeps being declined even thou I have the funds. Calling them, after being on hold for someone the phone hangs up. I cant spend the entire day calling I have to work. My card was declined XXXX XXXX and again XXXX XXXX. On the XXXX a text was sent to me asking if I tried to make the purchase and I responded yes. They have my card lock so I cant use it anywhere. On XXXX XXXX I made an online payment for my electric which I checked and that amount was taken out. A few days later it was put back only to be taken out again on the XXXX. When I checked my account on the XXXX of XXXX and saw I had extra money in there I paid other bills. I did n't realize they put back the amount I paid on the XXXX, this made XXXX transactions overdraft, this is how they make money confuse people thinking they have money by putting back payment that was taken out and pulling it back out a few days later. These fees should have been refunded and the bank needs to stop playing games. Other people in my family say the same thing, they make online payment, see its out of there account then a day or so later is put back into the account and taken back out XXXX to five days later. These XXXX fees needs to be refunded since its their fault for putting money back into my account, after I 'm thinking its out and then waiting 5 days later to pull it out again. My ATM card needs to be active so I can use, and not have every purchase declined.",,Consent provided,Web,2017-02-07,Closed with monetary relief,Yes,,CR2333101,4126
2017-02-07,Bank account or service,Checking account,Deposits and withdrawals,,XXXX XXXX Account was overdrawn XXXX dollars. Ived had BofA for years and just last month they started to charge {$25.00} for it. Never told when it was going to be withdrawn. So when I had my mort gage payment set up for withdrawl it went overdrawn because of it ...,,Consent provided,Web,2017-02-07,Closed with monetary relief,Yes,,CR2332147,1141
2017-02-07,Credit card,,Unsolicited issuance of credit card,,"I applied for an XXXX Signature Visa card, but was not immediately approved. Without my consent or knowledge, Eagle National Bank issued me a Visa Platinum card instead ... without nearly any of the sign-on bonus or benefits of the Visa Signature card I applied for. The point is that I applied on the website for the Visa Signature card and was automatically issued a lower-grade credit card without my knowledge. I did n't know until I received the card in the mail, despite checking the application status website daily! The website also at no point indicates that I might be assigned a different card. This is a blatant example of bait-and-switch by Eagle National Bank that has left me ineligible for future sign-up bonuses from XXXX.",,Consent provided,Web,2017-02-07,Closed with explanation,Yes,,CR2329750,2781
2017-02-07,Credit card,,Payoff process,,"On or about XXXX XXXX, 2017, I paid, via check, {$6600.00}, as payment in full, to Eagle National Bank via personal check drawn from XXXX XXXX XXXX XXXX. The check was deposited upon receipt and the funds were withdrawn from my account. Despite this payment, Eagle National Bank refuses to credit my account. Instead, Eagle National Bank assessed a late fee, sent a threatening letter, and provided misleading information to the credit bureaus re : my account.",Servicemember,Consent provided,Web,2017-02-07,Closed with explanation,Yes,Yes,CR2332222,3494
2017-02-07,Credit card,,Rewards,,,,Consent not provided,Web,2017-02-07,Closed with explanation,Yes,,CR2332896,36
2017-02-07,Credit card,,Rewards,,,,Consent not provided,Web,2017-02-07,Closed with non-monetary relief,Yes,,CR2333115,4782
2017-02-07,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2017-02-07,Closed with explanation,Yes,,CR2331497,9428
2017-02-07,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,Consent not provided,Web,2017-02-07,Closed with explanation,Yes,,CR2331798,675
2017-02-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2017-02-07,Closed with explanation,Yes,Yes,CR2331638,7586
2017-02-07,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2017-02-07,Closed with explanation,Yes,Yes,CR2331472,12416
2017-02-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"HOME OWNER 'S LOAN I was unaware the Eagle National Bank had place a lean on my property when I borrowed against my loan in XXXX of XXXX. In XXXX XXXX "" Variable rate snapshot '' identified : "" New outstanding variable balance of {$25.00} due on XXXX XXXX XXXX. 
I had to call them to find out the reason. It was a lean release charge for a loan in XXXX XXXX! 
It was never explained to me that a loan was required. It is probably somewhere in the fine print of the loan documents. 
The bank did not notify me the lean was placed nor did they notify me it was released. 
And I had my business and personal accounts with them. Both had balances well over the loan amount. I have a "" Platinum honors '' account status with the bank. 
Not only is this poor business practice, it is SENIOR ABUSE. I was XXXX in XXXX and now am XXXX. How am I suppose to know this? This is the only loan I 've ever had other than a home mortgage which is long ago paid off. 
I called the bank twice and the refused to waive the charge. 
Will you please help me? XXXX",Older American,Consent provided,Web,2017-02-06,Closed with explanation,Yes,Yes,CR2329733,1128
2017-02-06,Bank account or service,Checking account,"Account opening, closing, or management",,"I had a business account with Eagle National Bank. Business has been slow and I fell behind in credit card payments, but always tried to pay something. I was paying by transferring money online through my personal B of A account to the business account. B of A then took my business account down because it was delinquent WITHOUT TELLING ME. When they called and tried to get my credit card over the phone, I told them that I 'm not giving that info out and to please add the business account back to my online banking so that I can start making payments again. Over the past two months, I have emailed the CEO who forwarded me to a person named XXXX XXXX. I told them both I have been a 20 year customer and I always pay, but I ca n't pay if they do n't add my business account back to my online banking. XXXX XXXX said she would try, then got back to me a week later ( while I was accruing late fees I 'm sure ) and told me that the only way for me to pay is to do so over the phone. I emailed XXXX XXXX, the CEO again, and told him I want to pay but need to do so online. Then, they did a right to setoff, and took money out of my account to pay the late fees etc. If they had emailed me or sent a letter etc. telling me that they were taking the account offline I would have understood, but they never did and only called asking for a credit card over the phone. They are criminal and I think did it purposely to charge late fees. I have copies of my emails telling them that I 'm trying to pay but ca n't access the account online.",,Consent provided,Web,2017-02-06,Closed with explanation,Yes,Yes,CR2329381,1242
2017-02-06,Bank account or service,Checking account,Problems caused by my funds being low,,"I was hit with {$780.00} in over draft fees in one weeks time. I tried to talk to Eagle National Bank, but they were no help and refused to do anything to assist me in this matte.r",,Consent provided,Web,2017-02-06,Closed with explanation,Yes,,CR2329292,11596
2017-02-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"On late XX/XX/XXXX we brought a {$690000.00} check after we sold our residential house, to Eagle National Bank for XXXX, where I have checking account, the XXXX direct us to talk to their so called investment personnel, she persuade us to put money in Annuity, she claimed interest rate is high in Annuity, we told her we need money soon to purchase a house, right now we are renting, she said we can close account when we need it and get prorated, now we want to purchase a house and need down payment, we instructed her XXXX weeks ago to sell all my annuity which was {$500000.00} and deposit back to my account, then we realized she only could closed XXXX account {$300000.00}, and also found out the other {$200000.00} she open a XXXX years term XXXX, which can not close prematurely, there is penalty of {$17000.00}, to avoid penalty we have to wait XXXX years, XXXX tried to block me from contacting Delaware XXXX she suggested we need money we can get mortgage or home equity, we were shocked to find out after we contacted XXXX that the interest is XXXX % only and XXXX said her Eagle National Bank can give us mortgage, and leave Annuity open for XXXX years, everybody know mortgage is now XXXX % more, but after we complain to Better Business Bureau that she never showed us the annuity policy, just gave us paper to sign, if we saw the policy, we wo n't agree to put the money to a account that we can not close until XXXX years later, Eagle National Bank stated there was miscommunication, it was not miscommunication, we signed the paper of annuity because we trusted her, we never imagined she lied and cheated to benefit herself for bonus, and Eagle National Bank showed us the copies of what we sign, and found out she made up story of how we do n't need money in 5 years and we want a higher yield then checking account and so on, even go further to make story up that we sold rental house and do n't need any money, so she decided XXXX is very suitable for us, Eagle National Bank has no sincere to solve the problem, just insisted that we signed papers so no more argument, we all know customers usually do n't read every single line just trust whatever seller said, or signed at whatever paper seller want to show",,Consent provided,Web,2017-02-09,Closed with non-monetary relief,Yes,,CR2330524,2257
2017-02-06,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2017-02-06,Closed with explanation,Yes,,CR2330767,116
2017-02-06,Credit card,,Credit card protection / Debt protection,,,Servicemember,Consent not provided,Web,2017-02-06,Closed with explanation,Yes,,CR2329364,2853
2017-02-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-02-06,Closed with explanation,Yes,,CR2330068,3214
2017-02-06,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2017-02-09,Closed with explanation,Yes,,CR2330570,4507
2017-02-06,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-02-06,Closed with explanation,Yes,Yes,CR2330211,1206
2017-02-05,Bank account or service,Checking account,Using a debit or ATM card,,"As my debit card was set to expire, Eagle National Bank issued a replacement card three months prior to the expiration date. The card never reached my mailbox and was intercepted by someone. I received a message that my debit card was being used and was asked to provide feedback regarding an attempted transaction at XXXX XXXX for {$520.00}. I responded within 30 minutes of the message stating that the transaction was not mine and to close the account. The account was not closed after I asked them to close it. Instead, they expedited the shipping of a new card. I filed a dispute with the bank to remove the fraudulent charge. In addition, I filed a police report and put fraud alerts on all the credit agencies. Eagle National Bank declined my dispute stating that there was nothing wrong with the transaction. They are violating the Electronic Fund Transfer Act by not removing the fraudulent charge. A few days later, Eagle National Bank sent another email to to me to verify a transaction on my credit card. When I called, they told me that they added a new user to the account, changed the address, and mailed a new card to a fraudulent address. They skipped the passwords and security that I set up for my banking accounts. They instructed me to have a police officer call a special number to retrieve the fraudulent address where a new card was sent. The police officer advised me that he can not do this without a subpoena. The advice Eagle National Bank offered me was incorrect and ineffective.",,Consent provided,Web,2017-02-05,Closed with monetary relief,Yes,,CR2328126,1824
2017-02-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Good Afternoon. My wife and I have multiple accounts with Eagle National Bank and Merrill Lynch including, checking, savings, credit cards, brokerage, and a retirement account. Eagle National Bank and Merril offer a program called XXXX Rewards which works with different tiers. If the client has a {$20000.00} or more XXXX combined rolling average the client qualifies for the XXXX level of the preferred rewards. The XXXX tier provides the client with certain perks such as a XXXX % bonus when redeeming cash rewards to a checking account, a interest booster on your savings account, in addition to other things. About XXXX months ago ( or more ) my wife and I rolled over a retirement account into XXXX XXXX to ensure that we met the XXXX threshold. The rollover was done with a Merrill XXXX representative who was informed what we were doing and the fact that the only reason we were rolling the funds over was to qualify for the program. At the time I also gave myself a reminder so I would check in XXXX months later to make sure that we had in fact qualified for preferred rewards and were receiving the benefits. 

To date, I have called both Eagle National Bank and XXXX Edge/Lynch about a dozen times and spent countless house on the phone, on hold, and waiting for a designated call back that never happens. Each time I call it is a complete hassle ( and a waste ) as I have to also get my wife on the phone so she can verify her accounts before being able to speak to a representative. Initially, we were told that it took a couple of weeks more than the XXXX period to qualify, so we decided to wait a couple of weeks, and when nothing happened called again. We were then told that the reason why the accounts were not showing as qualifying for preferred rewards was because we needed to change my wife 's maiden to her new married last name ( something we should have been told months ago but were not ), so we submitted all the paperwork to have her last name changed and the representative informed me she would call me back in XXXX days. XXXX weeks later she had yet to call. The next time we called I had to explain everything and a representative informed me that he would get a hold of the individual that was working on the problem and have her call me within XXXX hours, again no one called. About a week later I called again, explained everything and was told that a request had to be submitted to a certain department in order to have this issue corrected, I was told I would get a call back by the end of the day but never received XXXX. The last time I called XXXX XXXX I was told that a representative would call me back once the issue was resolved. Feeling absolutely sick and tired of being given the go around I informed the representative of my many grievances and told them if they did not actually call me back I would be closing our accounts as the only reason we had moved money to the bank XXXX moths ago was to qualify for the preferred rewards program, they never called back. Every time we have called we are told there is a problem and that someone will call us back once it is fixed, they never call back. Every representative insists that the issue must be resolved by either the last representative I spoke too or a XXXX that is never present, never have I had someone simply resolve the issue. I have been assured that I would receive a call back over XXXX at this point and every time I wait over a week and find myself having to start over from the start. We were told "" they would fix it, they would make sure that it was back-dated XXXX months for loss of time, and that there would be a follow-up call '' all false statements, and untrue. 

At this point, we are kindly asking if the CFPB can please step in on our behalf to advocate, as the bank is clearly unable to, or unwilling to handle the matter internally and we are absolutely hopeless. Thanks!",,Consent provided,Web,2017-02-05,Closed with explanation,Yes,,CR2328616,3460
2017-02-05,Bank account or service,Checking account,Deposits and withdrawals,,"I had encountered couple of incidents with my account # XXXX at Bofa and each time I was not alerted and the only way I had come to know about the issues when I was proactive in checking my account balance. First issue was when an individual wrote a check from his/her personal account for an amount of {$1900.00} that cleared the account on XXXX XXXX, 2017 due to the fact that the account number for this individual closely matched the account number for my account. However, had I not caught this soon enough, I would 've never known that this check did not belong to me and it cleared without any issues, since there were enough funds in the account to allow that to proceed. Of course, through some random checks someone at the bank would 've caught this, but who knows that would 've happened. 
The second incident occurred on XXXX XXXX, 2017 when this account was charged XXXX NSF fees at {$35.00} when just the previous day I had noticed that XXXX Merchant services transactions were showing pending for clear and the account balance showed that there were enough funds in the account to cover the balance. That same day, a check was also cleared, however I did n't receive any notification for a deficiency in balance and when I found out about it, the representative mentioned that it is too late to deposit any new funds to cover the balance. I was expecting some alert notification if the account reaches below a certain threshold and I have it setup also, but I 've yet to receive any message in time for me to take action on it. I am very proactive about keeping the account balance in tact so I do not incur any fees/charges. I have had this account for a long time and I have maintained a great history so I am really frustrated that I am not being notified in time for any suspicious activity in the previous case or when a balance at any time falls below a certain threshold to where an action can take place the same day. The Bank charged these fees unjustly in spite of the fact that the merchant services account is also with Bofa with daily deposits..",,Consent provided,Web,2017-02-05,Closed with monetary relief,Yes,,CR2328668,4863
2017-02-05,Bank account or service,Checking account,"Account opening, closing, or management",,"When I reviewed my Eagle National Bank checkings account today I noticed that the bank has been charging me Monthly Maintenance Fees for XXXX months now. I now realize they have a rule where a fee will be charged If I do not have at least XXXX qualifying direct deposit of {$250.00} or more OR I do not Maintain a minimum daily balance of {$1500.00} or more. BUT the FACT is I have XXXX accounts with them. A core checking,, a joint checking, savings AND a business checkings account where I have direct deposit of {$3900.00} or more every week. Inspite of giving the bank business, it is incorrectly charging me so much in fees which I believe in wrong and it is directly deducting the fees out of my checkings account without my permission or knowledge. IF i dont audit my account balances I will not even realise. This is cheating. If they want to charge me fees, they should warn me through email or calling me and offering me to a solution to avoid fees including closing some accounts! I want all my money that I was charged in fees back even if it means closing some or all of the accounts. My wife also has XXXX accounts with Eagle National Bank and I will consider closing all of our accounts if you continue to charge me frivolous fees and dont refund my fees. I am giving you business but you are ripping away my money!!! what a scam. Call me on my mobile phone if you ever want to talk dont secretly keep charging me fees and take away my hard earned money.",,Consent provided,Web,2017-02-05,Closed with explanation,Yes,,CR2328371,5126
2017-02-05,Credit card,,Credit card protection / Debt protection,,"Hi, This is XXXX XXXX. I hold my Eagle National Bank credit card since XX/XX/XXXX. From the beginning to till XXXX XXXX, Eagle National Bank reported wrongly my credit information to other person 's SSN. Due to this my credit score is heavily affected and I am in big loss.",,Consent provided,Web,2017-02-05,Closed with explanation,Yes,,CR2328342,351
2017-02-05,Credit card,,Application processing delay,,"On XX/XX/XXXX17, my credit card information was compromised and used for fraudulent purchases. I was notified by account alerts about the activity. I immediately called Eagle National Bank customer service about the activity on my account. They immediately took care of the situation and stated that a new card would be sent out. Needless to say, ever since that time, I HAVE NOT RECEIVED MY NEW CARD. I have made numerous phone calls to Eagle National Bank, spoke with numerous customer service reps, verified all my information each time, so much so that I have lost count and I still have not received a new credit card. Instead, I keep getting letters in the mail about me needing to call them. As stated before, the first letter stated that I need to call and verify all my information. In which I did. Now the second letter dated XXXX XXXX, stating that they could not process my request for credit because of restricted access to my credit files with the credit bureaus. What does that have to do with XXXX in XXXX. I am NOT APPLYING FOR A NEW CREDIT CARD. I have had my account for years in which a lock on my credit bureau account has always been there. Way before my credit card was compromised. I have had it with talking to EVERYBODY and not getting anywhere. In addition to my account being compromised now I am being victimized by Eagle National Bank. No one should ever have to go through this. But here I am with no new card.",,Consent provided,Web,2017-02-05,Closed with non-monetary relief,Yes,,CR2328304,992
2017-02-05,Credit card,,Credit card protection / Debt protection,,"On XXXX 2016, XXXX ( a computer online back-up service ) made charges to my account that were not approved. I made contact with Eagle National Bank to file a fraudulent claim against the charges. Eagle National Bank told me to make contact with XXXX and try to resolve the charges before making an official fraud claim with them. I contacted XXXX and told them that the charges that were made to my account were fraudulent and were not valid or approved. XXXX used my Eagle National Bank credit card number that was more than two years expired to make the charges for their services ( again which I never approved ). Somehow, even with a credit card number that was more than two years expired, the charge was approved through Eagle National Bank. 
I then called Eagle National Bank back and explained what had taken place. They told me that the XXXX charges were approved because they were charged against a valid and active credit card account ( which is true ), even though the actual credit card number that was used was more than two years expired, that is why they approved the charges. I wondered to myself how this could happen with a credit card number that was more than two years expired? I never signed up for any reoccurring service plan. 
My problem is that the XXXX charges were not made by me, approved by me and it seems that Eagle National Bank does not seem to find this troubling in any way. This credit card is not in active use, it 's been the 2 years since I 've used it, for XXXX. This should have been a red flag that this is not a regular occurance. Banks moitor cards all the time for irregular use. 
What happened to actual credit card fraud and trying to find ways of of stopping it from happening in the first place? I thought ( forgive me for being ignorant ) that if and when a credit card number becomes expired, it means that the number no longer works and the merchant would have to pursue the customer for updated information. However, if Eagle National Bank is approving these fraudulent charges and making the "" approvals on behalf of the card holder '' based on a more than two year expired card, what kind of security and consumer rights are in place? Better yet, if they are making the approvals for the card holder when an expired card is used, why should the card holder be responsible for the charges?",,Consent provided,Web,2017-02-05,Closed with explanation,Yes,Yes,CR2328467,2796
2017-02-05,Bank account or service,Checking account,Problems caused by my funds being low,,"I used Eagle National Bank credit card, it is connect with my Eagle National Bank checking account, I realized that i dont have enough money on my Eagle National Bank checking account and I put my td bnk checking account XXXX XXXX day before payment due date than they charged to me {$35.00} XXXX late payment fee not done, they charged twice XXXX, i called bank at least 5 times nobody could not help i paid already they charge me same balance two times, than they told me everything fine, everything OK after i got mail from Eagle National Bank, they closed my checking account because i owe them XXXX ... i paid my credit card balance, they charge me twice and close my checking account because i owe them money, they broke my credit history",,Consent provided,Web,2017-02-05,Closed with monetary relief,Yes,,CR2328136,4220
2017-02-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-02-07,Closed with explanation,Yes,,CR2328693,4622
2017-02-04,Bank account or service,Savings account,"Account opening, closing, or management",,"Had free checking and free savings accounts with direct deposit. With Eagle National Bank. First of last year changed policy to apply monthly fee. Letter I was sent said I was not affected because had account before this occurred and would not be charged. After noticing checking account going down, I called to find out more. Customer service said it was a mistake and I thought it was good. Next XXXX savings account went down, so I checked them. Service charge, I had not noticed for XXXX months. {$12.00} each for the XXXX months ( XXXX ) that the bank would not refund, could only refund for last month only. So closed all accounts and went to another bank. I thought really bad business practices for the consumer, but big money for bank!",,Consent provided,Web,2017-02-07,Closed with explanation,Yes,,CR2327776,2325
2017-02-04,Credit card,,Identity theft / Fraud / Embezzlement,,"Credit card information was stolen, a fraudulent card was issued and subsequently used to make multiple fraudulent XXXX XXXX purchases. After reporting the fraud to Eagle National Bank credit card co. I was told that the merchant had to be contacted and the original card number needed to be deleted from XXXX database. The EN rep was going to connect to XXXX with me on the phone and dropped the call, no return call even though they had my contact info. So I called again, this time the phone agent told me their call volume was too high and she would not be able to make the outbound call and I would have to make the call myself even though she knew that she needed to be on the phone with XXXX. Also shared that it did n't matter how many times EN reissued a new card number, because red box subscribes to "" XXXX Account Updater '' software that fraudulent transactions would be automatically be fowarded to any new accounts on file. 
These are terrible processes to put a victim of fraud through. Apparently EN and XXXX XXXX do not have processes in place to stop the fraud even after it 's been officially reported.",,Consent provided,Web,2017-02-04,Closed with monetary relief,Yes,,CR2328001,1980
2017-02-04,Credit card,,Credit line increase/decrease,,"I have credit card with Eagle National Bank that had a high Balance ( aprox {$4800.00} on a {$5000.00} line ) I made a payment Of {$2500.00} to decrease my high balance against my available Line in an attempt to help restore my credit score to a higher Level. Eagle National Bank with no notice immediately Decreased my line to {$2300.00} after they received the {$2500.00} Payment leaving my credit usage to still show I have high Usage against my available line of credit as they had Reduced it! I think them being able to decrease a line of Credit with no warming or grace period is extremely unfair From a consumer stand point and this should not be allowed. 
If Eagle National Bank gave mea 90 day notice at lease I would Of know and the credit bureaus would of been able to factor True situation into their metrics! I think this should be Addressed across the industry not just Eagle National Bank As I am sure I am not the only victim of this. 

thank you, XXXX",,Consent provided,Web,2017-02-04,Closed with explanation,Yes,,CR2327830,3844
2017-02-04,Bank account or service,Checking account,Problems caused by my funds being low,,"I have disputed {$210.00} in overdraft fees to my bank and the response I received did n't address my concerns so I am contacting you. I did a transfer using XXXX XXXX and afterward I checked my account which reflected the deposit. Following this, I sent a payment through the service XXXX. Eagle National Bank later changed the order of my transactions to make it seem like I sent the XXXX payment before the XXXX XXXX deposit posted. This is not what happened and this is not what my account reflected when I checked after I accepted the XXXX XXXX money transfer. I contacted the bank 's customer service line and was told that I would have to go into a branch to get a refund because she was only allowed to give my back {$35.00} over the phone. When I went in to the branch, the representative told me that Eagle National Bank has a policy where purchases are posted before credits, no matter if the credit is received first. And then she said she would only be able to refund me {$35.00} of the {$210.00} overdraft fee. I told her that changing the order of transactions is illegal and I know XXXX XXXX, XXXX, and XXXX XXXX XXXX recently had to pay a XXXX dollar settlement for engaging in these practices. She told me that she would email her branch manager to see if they could refund me all of the fees. I never heard back. This was a branch on XXXX and XXXX XXXX. I also called the customer service number again and told them it was an emergency and I needed those funds because I was moving that day. The supervisor I spoke to only refunded me {$70.00}. So, the bank still owes me {$140.00}. I am reaching out to you in hopes that you can help me resolve this issue. I have had trouble getting food because of this bank error and it is not fair!",,Consent provided,Web,2017-02-04,Closed with monetary relief,Yes,,CR2327904,11906
2017-02-04,Credit card,,Delinquent account,,,Servicemember,Consent not provided,Web,2017-02-04,Closed with explanation,Yes,,CR2327844,3373
2017-02-04,Credit card,,Advertising and marketing,,,,Consent not provided,Web,2017-02-04,Closed with explanation,Yes,,CR2326498,1764
2017-02-03,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank refuses to remove me from XXXX for something that was clearly a mistake. They are very difficult to deal with and I am not getting anywhere. I am about to hire an attorney to get this resolved. I will be suing for defamation of character and will find something legally that they are doing wrong so I can also open a class action lawsuit against this company. This the most uncooperative bank I have ever dealt with. It 's in the banks interest to remove me from XXXX because I will take this as far as I can. I will contact the media, attorney and anyone who will listen.",,Consent provided,Web,2017-02-03,Closed with explanation,Yes,Yes,CR2327123,1228
2017-02-03,Bank account or service,Checking account,Deposits and withdrawals,,Eagle National Bank reported me to XXXX for fraud when I did not commit fraud. I told them I would pay fees I accumulated. But I told them I would n't pay for a bounce check wrote by client. that I deposited and recived no money from. And I asked them to remove the fraud from my name on XXXX. It is unfair to report me for fraud if I have not committed. I had been a long time client with them.,,Consent provided,Web,2017-02-08,Closed with explanation,Yes,,CR2326345,4486
2017-02-03,Bank account or service,Checking account,Problems caused by my funds being low,,"I am filing this complaint against the unlawful practices of Eagle National Bank that takes advantage of its vulnerable customers. I am a customer of Eagle National Bank since XX/XX/XXXX. My checking account has settings to prohibit any debits, charges to and transfers from the account if there are insufficient funds to cover the transaction. Unfortunately, Eagle National Bank does not honor its end of the bargain and on a separate occasions let my checking account debited, and the next day slapped me with {$35.00} late fee. It happened last year. I asked the bank not to honor any transactions in case of insufficient funds, but it did. The bank never refunded my {$35.00} late fee. It happened again this year. Eagle National Bank allowed the transfer transaction to hit my checking account though I had insufficient funds, then conveniently slapped me with the late fee the next day. 
My second concern with the bank 's unlawful practice is the Alert system. With other banks, such as XXXX, XXXX, I get notified right the same moment any transaction happens in my account. However, Eagle National Bank failed to alert me the same day about the insufficient funds in order I could rectify the situation and deposit the funds. Instead, Eagle National Bank sent me the alert the next day- XX/XX/XXXX at XXXX. I immediately deposited the check to cover the difference and called the bank to see if any further actions were needed to take care of the insufficient funds. The rep asked me to call the next day - on the XX/XX/XXXX to get my credit back. Today, XX/XX/XXXX I called twice, spoke to XXXX who refused to credit the late fee, and did not transfer me to her supervisor XXXX , stating that the latter would not credit the late fee.Then I called again and spoke to another rep, and then her supervisor XXXX , who also refused to credit the {$35.00} late fee. Also, in response to my inquiry that this is Eagle National Bank error, as it failed to notify me on a timely fashion about the negative balance in my account, as well as it allowed the transaction to go through in spite of my prohibition in case of insufficient funds, this supervisor said that Eagle National Bank will do this again in future, if it wants - '' This is at the discretion of the bank ''.",,Consent provided,Web,2017-02-03,Closed with monetary relief,Yes,,CR2326443,2382
2017-02-03,Bank account or service,Checking account,Problems caused by my funds being low,,I had XXXX checks deposited into my bank account on XX/XX/XXXX This deposit was not placed on hold i did not receive a hold notice of anytime. the checks that were deposited were sent from a company to be deposited into another Eagle National Bank account. which i did once the funds cleared on XX/XX/XXXX later after i check my bank account and XXXX of the checks were placed on hold. i called Eagle National Bank and they told me that i was going to receive mail advising me of that hold. to my understanding when any item is placed on hold i am suppose to receive a hold notice and i did not receive XXXX. the representative said there is nothing he could do and there was a hold. The representative seemed to not care much and told me id have to come up with the funds to pay the bank back. I am a victim of fraud at this moment because i was advised to deposit those checks take the money out and deposit into another Eagle National Bank account. XXXX in your system will show exactly what account it is in and i feel like you guys could do way more to help me with these scammers. Not only that I was never told about this hold i received a copy of the deposit receipt and on there it does not show a hold. From what i know i am supposed to be advised about any hold and i was not this would of avoided the other transaction.,,Consent provided,Web,2017-02-03,Closed with monetary relief,Yes,,CR2326327,2344
2017-02-03,Bank account or service,Checking account,Using a debit or ATM card,,"I received an email from my bank stating that there had been suspicious activity with my account. I took a look at my account online and it turned out that someone had charged over {$900.00} at a XXXX halfway across the country. Another attempt had been made to withdraw {$400.00} from an ATM using the same account that had been denied in the same general area of the initial charge. I immediately reached out to my bank and let them know that they were correct and the charges were fraudulent. I filed a fraud claim and decided to take a closer look at my accounts. Upon closer inspection, I came to realize that there had been a few lesser charges ( & lt ; {$5.00} ) on the account that I had not caught. I informed my bank of these lesser charges in good faith, under the impression that any additional information I could provide would give them a better chance of catching the individual that was committing fraud with my account. The bank initially provided my account with a credit to cover the money that had fraudulently taken from my account while they investigated. However, they have rejected my claim under the pretense that since I had not caught the smaller transactions and made them aware sooner, I was liable for any additional fraudulent charges. At this point I am out over {$900.00} with little to no recourse that I am aware of.",,Consent provided,Web,2017-02-03,Closed with explanation,Yes,,CR2326986,1910
2017-02-03,Bank account or service,Other bank product/service,Using a debit or ATM card,,I received of Debit card from BofA and within 2 months the chip stopped working. I am very cogniscient of the need to protect a card with regard to magnitization however when I reported this to BofA the only response was that I had to pay a {$5.00} fee to replace the card. I have gone several months without using the chip feature however it has gotten to be such an annoyance that I have finally given up and ordered a replacement and paid the {$5.00} FINE,,Consent provided,Web,2017-02-03,Closed with monetary relief,Yes,,CR2325684,2592
2017-02-03,Credit card,,Other,,"All I wanted for a resolution was to change the credit reporting to "" Paid as agreed '' and please remove the "" Charge Off '' from the three major credit reporting bureaus. This has impacted my FICO score and my credit worthiness. Please consider correcting this IAW Fair Debt Reporting Act. 
On XXXX XXXX, Resolution Specialist, Regulatory Complaints received my complaint filed to Consumer Financial Protection Bureau Case No. XXXX. Her research in her letter sent to me on XXXX was not accurate. The Recovery Team in XXXX stated they were not able to take any payment due on my accounts went to an outsource collection Agency were unable to identify the collection agency and recommended that I wait to hear from the collection agency. I never received any registered mail or there was no reporting of the collection agency on all three major credit reports. XXXX stated in her letter that in XXXX the accounts were placed with an outside collection agency XXXX. The accounts then were brought back internally to FIA Card Services in XXXX and the initial payment program from XXXX was reinstated. I have no documentation to verify this from Eagle National Bank, FIA Card Services or the named XXXX. Further XXXX stated in her letter that my accounts never left Eagle National Bank but the contradicting statement that the accounts were placed with XXXX so this validated my accounts were no longer with Eagle National Bank or FIA Card Services! This explains why the recovery department was unable to take payment until the accounts returned full circle. I have been making monthly payments on both accounts. These accounts are being paid off and no balance owed has ever been "" Charged Off '' or "" Settled '' only "" Paid As Agreed ''. So why am I the customer being penalized with the accounts reporting as a Charge Off which states uncollectable this is not a true statement! Please reverse the reporting to paying as agreed and this would satisfy my complaint. 

PS. Thanks for looking into this matter! I have been penalized long enough one would agree!! Not even certain if the balances owed is accurate and it has been nine very long years trying to get through this process! If I did nothing these accounts would of matured and fell off my credit report two years ago or we would of went to court but I was going about this with total honesty!",,Consent provided,Web,2017-02-27,Closed with explanation,Yes,Yes,CR2327516,682
2017-02-03,Credit card,,Billing disputes,,"I do n't know if this issue is affecting my credit, I 'm not sure how to check and I 'm scared to put personal information on the Internet. Also, I apologize because I 'm using my phone because I do n't know how to attach images using my computer, I 'm not good with technology. So I hope the spelling errors are limited. And I 'm also not good at telling stories or explaining things but I 'll do my best. My Eagle National Bank credit card was compromised even though it was still in my possession. I 've done some reading where cards are compromised that XXXX percent are still on the owner, they were hacked. Others were from restaurants or malicious ATM machines. But I lost about {$40000.00} on an online XXXX site and from XXXX, which I do n't have. I always thought my limit was {$4500.00} or {$7500.00}, no where near {$19000.00}. I have never came close to my limit, I was always careful. Eagle National Bank will have that as proof. Buy they never turned my card off or even alerted me or called to let me know my card was over the {$19000.00} mark. Honestly, in 12 years of being a card member they have not once called or alerted me. My corporate card from XXXX they will call and text if I get gas or groceries and make sure it 's me. I guess to go to the beginning, my dad was passing away from XXXX. We could n't work out in the shop on our project anymore cause he was to sick and weak. So he found and online game for his tablet I got for him. He had been playing for a few months. He would ask if wanted to play. My mom talked to me about because it would literally be the last thing we did together before he passed away. So I started to play. I used XXXX cards to and gave to him and for me for in game purchases. It would help me catch up to him so I 'd be on the same level so we could play together. When we played, that game had a limit on what you could spend daily and weekly. I do n't think you could spend XXXX if you wanted. I used XXXX cards mostly. I did use my card on XXXX from time to time. I started playing in XXXX 2015 and quit in XXXX 2015. I would still play the game occasionally but my dad was getting sicker and I only would play when he did. It was the last thing we did together and I 'd do it again if I had to because it was the last way I could spend time with him. After XXXX XXXX is when I quit playing that gameXXXX. I did use XXXX cards and redeem them and I did use my EN card occasionally. But I knew my spending limit. In XXXX when I paid my bill I paid extra like I usually do and I know I had a {$1600.00} credit. So between XXXX and XXXX I knew I used maybe {$400.00} meaning I had {$1200.00} left as credit. From XXXX to XXXX I used maybe {$400.00} again meaning I had around {$800.00} leftover. I called in XXXX and nothing was out of the ordinary. When I called in XXXX, on my birthday, just to verify I still had a credit of about {$800.00} they told me I owed about {$40000.00}. The fraud dept. told that XXXX percent of the time if they go XXXX penny over my limit my card should be turned off and they did n't have an answer to why it was not turned off. Billing dispute took off all but about {$2000.00}. Then fraud took over and said I had to pay all of the balance. They said the seller had receipts. Any stolen card or compromised card used online and now in stored and restaurants will have receipts because no one checks I.D anymore. I have several phone calls explaining my situation. My history is perfect. Why out if the blue, in my late XXXX would I put XXXX on my card. EN was rude, they laughed at me and refused to help. I talked to Lawyers and they said I should n't have to pay anything over my limit, I never authorized my limit to the XXXX in the first place. I tried to spend time with my dad before he passed away and I lose XXXX dollars that I never spent. This entire time I still thought I had an {$800.00} credit. XXXX did reimburse me {$2000.00}.",,Consent provided,Web,2017-02-03,Closed with explanation,Yes,,CR2326338,20
2017-02-03,Credit card,,Identity theft / Fraud / Embezzlement,,"I held a Eagle National Bank ( EN ) credit card ending in XXXX. ( This card was later replaced by a new card with a different account number after my wallet was lost. However you will see in the documentation the account statement evidencing the fraudulent charges I hereby complaint about. ) On XX/XX/XXXX I reported XXXX fraudulent charges to my EN credit card by merchant XXXX but because the charges had n't hit the account EN insisted I deal instead with the billing department. I contacted the billing department on XX/XX/XXXX and was informed that XXXX charges ( {$3.00} and {$53.00} ) were made to my account by XXXX. I was informed that these charges would be provisionally removed from my account pending investigation and if I was n't contacted for further information, they would be permanently removed. I did not see the charges removed on my next statement and was informed by the billing department that I should keep looking that they would probably show up as reversed on the next statement. I never saw the charges removed on my EN statements. On XX/XX/XXXX XXXX I contacted EN billing department regarding this issue. I was informed that the charges still appeared on my card but that the fraud servicing department would have to handle the issue. I was transferred to fraud servicing and was informed that the charges did not appear on my account ( nor did the credit/reversal ). I informed the rep that EN stated the charges did indeed appear on my account and the rep said she 'd put me on hold and diisconnected the call. On XX/XX/XXXX I contacted the fraud servicing department again and after 27 minutes on hold I was informed that in order to "" verify '' who I was despite a five minute "" vetting '' of questions and answers that I would have to hang up and the rep would "" immediately '' call me back at that number to "" verify '' me for security reasons. No call back. I called again and this time after a 37 minute wait "" XXXX from XXXX '' put me through the same XXXX of questions and answers and then again said I would need to hang up so they could call me back and verify who I was. No call back. I called again and after "" XXXX '' put me on hold for FORTY FIVE minutes, the supervisor, XXXX, put me through questions and answers which should have sufficiently verified who I was and then, yes, you guessed, told me I had to hang up so that she could call me back and verify who I was. I refused. I attempted to contact EN corporate headquarters regarding this issue, the telephone number listed for their offices on the internet is bogus, it reroutes you back to the number on the back of the credit card. I attempted to speak to customer service regarding whether EN had an ombudsman group to handle the issue, each time I called I would spell the word and after minutes on hold I would be told by a clueless rep to maybe try a branch? 
By now it should be apparent that EN has no intention of honoring my valid reporting of fraudulent billing against my account nor is the bogus fraud servicing department capable or willing to resolve the issue. As I write this complaint, I am again on hold for 26 minutes with this circus of a company. EN has a bad reputation, EN deserves its horrific reputation. Perhaps the new administration will look to EN as a prime example of where to begin to drain the swamp with respect to dishonest bad faith banks and credit card companies like EN. In the meantime, I want the fraudulent charges reversed on my BAO credit card and once this is done, I will close the account. Please direct me to the appropriate entity who will address my complaint of consumer fraud in order to have the fraudulent charges removed from my credit card. Oh, and the last "" supervisor '' in customer services "" XXXX '' transferred me to "" XXXX '' who works in bank checking! XXXX!",,Consent provided,Web,2017-02-08,Closed with explanation,Yes,Yes,CR2326850,1365
2017-02-03,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2017-02-03,Closed with explanation,Yes,,CR2327162,4594
2017-02-03,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2017-02-03,Closed with explanation,Yes,,CR2327316,9929
2017-02-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-02-03,Closed with explanation,Yes,,CR2325627,2171
2017-02-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2017-02-07,Closed with explanation,Yes,,CR2324036,4476
2017-02-03,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-02-07,Closed with explanation,Yes,,CR2325083,671
2017-02-03,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2017-02-03,Closed with explanation,Yes,Yes,CR2325717,2658
2017-02-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Other,Web,2017-02-03,Closed with explanation,Yes,,CR2325483,2190
2017-02-02,Bank account or service,Savings account,Using a debit or ATM card,,"A woman named used my debit card without authorization and drained my bank account. She also got into my savings account and drained it as well. I complained to Eagle National Bank. However, they said because she had gotten my PIN number that the transactions were valid. SHE DID NOT HAVE MY PERMISSION NOR WAS THE CARD IN MY POSSESSION, and there is a taped phone recording that backs me up. I have filed a police report naming the ID thief. Eagle National Bank also charged me fees for going over the amount of allowed withdrawals on my savings account it was not me who made or authorized the withdrawals. They sent me a letter dated XXXX XXXX informing that they were seizing all my money and leaving me penniless. There are XXXX claims, XXXX for the checking account and XXXX for the savings account.",,Consent provided,Web,2017-02-02,Closed with monetary relief,Yes,,CR2325544,2080
2017-02-02,Bank account or service,Checking account,"Account opening, closing, or management",,"I had a Checking Account at Eagle National Bank. My account was overdrawn for a period time, approximately XXXX weeks. Eagle National Bank recently closed my account without warning or providing possibly remedies to avoid this action. At no time did Eagle National Bank attempt to contact me via mail, phone, or through their own website. If they had informed me of the potential for closure I would have attempted to work with the bank to form a plan to fix the problem. Instead Eagle National Bank proceeded with a course of action with no notice. In addition to the closure, I had attempted to make a deposit of XXXX money prior to the closure. Since Eagle National Bank closed the account without notice I did not receive my XXXX until nearly XXXX weeks later. If Eagle National Bank had simply informed me of their intentions I would have worked to rectify the problem.",,Consent provided,Web,2017-02-02,Closed with explanation,Yes,Yes,CR2324879,10288
2017-02-02,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I have a Eagle National Bank checking account that offers online Bill Paying. I also have a Eagle National Bank "" Platinum Plus for Business '' MasterCard under my name. When I go to Bill Pay to pay this MasterCard, their have programmed their computer to pay my EN MasterCard bill FIVE DAYS LATER. I believe that this is intended to extract unscrupulous late fees and interest from cardholders that pay less than five days before the MasterCard bill due date. Proof : many other payees get credited in XXXX or two days. It can not take longer for Bank of Amarica to "" pay Eagle National Bank MasterCard '' than it does for them to pay outside payees.",,Consent provided,Web,2017-02-02,Closed with explanation,Yes,,CR2325023,1619
2017-02-02,Bank account or service,Checking account,"Account opening, closing, or management",,Last week I got charged a XXXX dollar per month maintenance fee for my checking account. I have had the same checking account for over 15 years and have never before been charged a monthly fee. I was never told about a fee starting XX/XX/2017 and I did not give any consent to being charged a monthly maintenance fee.,,Consent provided,Web,2017-02-02,Closed with monetary relief,Yes,,CR2324535,4494
2017-02-02,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX I logged into my Eagle National Bank credit card and saw a banner stating I was targeted for a {$300.00} bonus if I opened up a checking account with EN and established {$4000.00} of qualifying direct deposit. I applied for this offer and my bank account was opened a couple days later. On XX/XX/2017 I transferred an opening deposit of {$25.00} to the EN account. One XX/XX/2017 I saw a charge stating "" ACCOUNT CLOSING TRANSACTION XXXX '' ( See attached document ) that wiped out my account. When I called to inquire about this charge I was told that my account was being closed as a "" business decision '' and no actual reason could be stated. I was told I 'd receive my {$25.00} opening deposit back in the mail in a couple of days. Although the contract states either party can close the account for any reason, it is not justified for Eagle National Bank to have me go through the trouble of opening the account because of the bonus attached, and then shut it down for what appears to be no reason. To bait customers with the bonus, have them go through the effort of opening the account, and then shutting them down for no reason is not good business practice, and in some cases against the law. I would hope this situation can be remedied by EN to make both parties happy.",,Consent provided,Web,2017-02-02,Closed with explanation,Yes,Yes,CR2324363,5873
2017-02-02,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX/XXXX/XXXX, My wife withdraw from ATM ( Eagle National Bank ) {$200.00}. 
ON XXXX/XXXX/XXXX Eagle National Bank deduct from my checking account {$150.00}, I call to find why. 
they said, is, because the ATM give to my wife {$350.00}, The transaction is recorder as a {$200.00} but my wife receive {$350.00}, after more the 2 months ago, I have no proof, And I do n't what else I have to do to resolve this problem. I been in contact with the bank, but nothing is been done to resolve this situation.I been in the phone hours trying, telling them ta My wife just receive $ XXXX.hoping somebody can help me.",,Consent provided,Web,2017-02-02,Closed with monetary relief,Yes,,CR2325134,3647
2017-02-02,Bank account or service,Checking account,Problems caused by my funds being low,,"XX/XX/2017 As many customers I too have had issues with Eagle National Bank hitting me with fees that seem ridiculous, mainly overdraft type fees. Im XXXX with a XXXX, and unfortunately I have XXXX. Because of this I occasionally make purchases that my relatively small bank account might not have the funds for. After getting nailed with ridiculous XXXX dollar overdraft fees I called in and talked to a EN rep. I had them go into my bank settings, and set it up supposedly so I could not make purchases unless I had enough money to make them, which is what I thought a debit card was supposed to do in the first place. After that though it still happened, despite what the EN reps told me, I called a total of three different times about this same issue over the years to "" fix '' it, and still I get nailed now and then from the fees. I admit my bad memory problem, but when Im told one thing three times and yet another thing keeps happening its ridiculous. This fourth time I just called in and talked to yet another EN rep. I asked her how a certain transaction was allowed to go through when I didnt have enough funds, which of course triggered a XXXX dollar fee. She couldnt exactly give me that answer. She kept saying its how my account was set up, even though I told her three different times I called EN and was told it they changed the settings to prevent this. If I didnt have the funds, the transaction should have never went through, and the fee would have never happened. She said it was a transaction declined fee, yet the transaction was NOT declined the purchase went through fully on my end. All you have to do is XXXX "" Eagle National Bank fee complaints '' and you can easily spend all night reading through the massive amount of complaint with EN. After ten years being with them, Im seriously considering switching to a new bank as MANY already have. Some other banks even claim to not have these type of fees, sounds great. The amount of money banks make by nailing people with these fees is beyond ridiculous ...",,Consent provided,Web,2017-02-02,Closed with monetary relief,Yes,Yes,CR2325137,3987
2017-02-02,Credit card,,Billing disputes,,"Eagle National Bank Credit Card Purchase Protect I purchased XXXX/XXXX/XXXX a cell phone XXXX on XXXX and it turned out to be defective. The battery inside was ready to blow up and we were instructed by XXXX XXXX company to remove it ASAP. I contacted XXXX seller trying to resolve to no avail. Tried going through XXXX return no way because I removed the dangerous battery they say it is not in its original condition. XXXX same thing and Eagle National Bank denied my dispute as well. I have been a long standing customer of Eagle National Bank and since they were not willing to assist in this in any way I said to close my account. They were heartless and un-caring. I tried to find a corporate number and they hide behind Customer Service number. Even the CEO XXXX XXXX XXXX 's supposed number is the same Customer Service number. Their corporate filling uses the same number. To me they do not want to deal with the customers who make them what they are, Wealthy! I am not done I will tell everyone of my experience with them and will never have anything else to do with Eagle National Bank or their affiliates, which some of us know who they are too.. 

XXXX/XXXX/XXXX Update : On XXXX/XXXX/XXXX I revisited XXXX resolutions dept. and finally got them to understand the danger involved with the cell phone battery. They promptly refunded {$120.00}. So I thought I would try to appeal to EN 's conscience and spoke with several people and eventually elevated to a XXXX who stated he would reinstate my card. He proceed to ask me for my financial income yearly and other personal questions. I asked you are not dipping in to my credit report are you? His answer was no. XXXX stated it would take approximately 24 hours for it be active again. On XXXX/XXXX/XXXX I received a call from someone in the Collection Dept named I think XXXX who was following up on my complaint with the XXXX. He informed me that my account is closed permanently. He was going to see what he could do and get back to me. Today being the XXXX of XXXX XXXX I tried calling various numbers till I finally reached someone named XXXX not sure of spelling. XXXX listen and forward me to XXXX who forward me to XXXX. Keep in mind that every person I spoke to I had to retell my story even though I asked the to inform the people that they were forwarding me to so I would not have to repeat myself. So now XXXX was un-ware of why I was calling and again I told my story again. Now XXXX basically tells me that there is nothing they can do. It would have to go to the Credit Department for approval and dip into my credit again! At this point I decided to forget it, it just is not worth dealing with a business who does not care about the customer who has made Eagle National Bank who they are today. In the last 6 months I charged and paid off in full well over {$10000.00} and I am or was a great customer. These guys just do n't care. Too Big to Fail sound familiar ... XXXX or is it Too Big and do n't Care. 


Concluding : Paid off the account early and am no longer interested in doing business with Eagle National Bank or any affiliates under their umbrella.",,Consent provided,Web,2017-02-02,Closed with non-monetary relief,Yes,,CR2324531,4403
2017-02-02,Bank account or service,Checking account,Deposits and withdrawals,,"to whom it may concern, i presently have both a checking and a savings account with Eagle National Bank in XXXX, ny. on XX/XX/2017 to branch on at XXXX, ny XXXX i went to make a deposit which i told that my checking account had a negative balance of {$9.00} which was immediately deducted from the deposit of {$30.00} which left {$20.00} in my checking. before i make a purchase i always check my balance to avoid an overdraft fee. when i checked my the day before at another branch i had exactly {$9.00} in my in account. question? how did my account go from {$9.00} to a negative balance within 24 hrs? this is the 3rd time i have gone into this particular branch only to have to fight to have monies restores to my account most. 
time the situations have been resolved. this time not and to add insult to injury the young woman who handled my transaction was smug and sarcastic when i told her that things were not right. she needs to be investigated as should that particular branch people are having monies taken from them and its wrong.",,Consent provided,Web,2017-02-02,Closed with monetary relief,Yes,,CR2324487,4376
2017-02-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2017-02-02,Closed with explanation,Yes,,CR2324737,5281
2017-02-02,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-02-02,Closed with explanation,Yes,,CR2322853,4919
2017-02-02,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2017-02-02,Closed with explanation,Yes,No,CR2321419,1187
2017-02-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,Eagle National Bank had agreed to stop reporting negative remarks to the XXXX major credit reporting agency 's. The account is closed. I contacted Eagle National Bank in regards to this issue as they are reporting every month to the credit reporting agency 's with XXXX remarks which is affecting my credit score in a negative way. I was told when I spoke with corporate office for Eagle National Bank that at my request being the account is closed the negative remarks will no longer be reporting. However upon checking my credit reports they are still reporting every month.,,Consent provided,Web,2017-02-01,Closed with explanation,Yes,Yes,CR2320415,2492
2017-02-01,Bank account or service,Checking account,Problems caused by my funds being low,,My account was suddenly stating that it was overdrawn $ -XXXX! I do n't know what is going on but I have n't used my card and I still have it in my possession,,Consent provided,Web,2017-02-01,Closed with explanation,Yes,,CR2320205,4818
2017-02-01,Bank account or service,Checking account,Deposits and withdrawals,,"My Eagle National Bank debit card was stolen along with my drivers license and social security card. This happened between the dates of XXXX XXXX and XXXX and XXXX XXXX. Someone deposited a check in the amount of XXXX dollars to my account on the date of XX/XX/XXXX.There were also several withdraws on my account for large sums of money. I called Eagle National Bank TO file a report as soon as they had opened for business. I had made claims on all fraudulent activities and was assured everything would be thoroughly investigated and not to worry. They stated that they had blocked my card and a new one would be issued out right away. On XXXX XXXX, my account was locked and blocked. I called in to see what was going on. I was told that my account is being closed down because I have made fraudulent transactions on my account. I stated to the gentleman, why would I put fraud on my own account? That would be the dumbest thing in the world to do. I use this account to pay all of my bills, and some of my direct deposits. I also have a pending deposit for my taxes. Then he ignored all that I had said, and told me whatever comes into the account they are taking and putting to the fraudulent overdrawn amounts. I asked if my account is "" being investigated '' why are you taking my money and have n't even investigated it yet. He said that is their final decision and their is nothing I can do. He asked were their anymore questions and hung up. I gave the a couple of days to investigate I called and was given my claim numbers. There was no new information. I called today and was told my claims were denied and that I compromised my pin, or that I had someone do it or it could have possibly been myself. I ask how on earth was it me? These transactions were made in XXXX and XXXX maryland. Which are no where near where I live. I stay in XXXX maryland. I have no need to be in that area. Secondly why would i deposit a check in XXXX Md? I never have done anything of that nature. It also, states that I have made withdraws of large amounts of money at XXXX and a atm. That does not make any sense because I would have just gone in to the branch and withdraw the money. They sent me a copy of the check. The handwriting is not mine. If an analysis was done they could see that. Also my account number was written on the back of the check. If it 's me that is depositing why is my account number on the back of the check?. If it 's me and I have an account there. Why would I compromise my own account that I use regularly. Its apparent that they are not investigating because they would clearly see that this is me. I am so upset. I feel like no one is taking my situation, seriously and that want me to admit to, something that I did n't do, nor have anything to with. I am a victim and that They are making me feel like a criminal. I do not feel like my claims were taken seriously. I feel the investigators did not do their job. If they had, then they would know that I am a victim of theft and fraud. I have a family that I have to support. This lack of seriousness and justice to me as a customer has really disappointed me and set my finances back. I am in the hole XXXX dollars, for something I did not do.",,Consent provided,Web,2017-02-01,Closed with explanation,Yes,,CR2321034,2876
2017-02-01,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"XXXX appears to be one of the main co-conspirators in the huge RACKETEERING CASE that was given the go ahead to proceed against XXXX and nasty old Eagle National Bank. I have been trying to get the CFPB to do something about this for OVER FIVE YEARS and not even a reply and attempt to help!!! 
I know our very own government is in on all this and that is why the CFPB, OIG, USDOJ and so many others refuse to see the light and take action on behalf of millions of property owners like me who have been totally taken advantage of with wrongful foreclosures and contninue threats and demands regarding phony, forged, fabricated, even "" robo-signed '' documents!! 
I hope the new administration will put an end to all this and finally do the right thing. Most people know that XXXX has been acting in a false and misrepreseting way knowing full well that XXXX and XXXX were taken over by our own government in the FHAF and GES that took over these private companies back in XX/XX/2008.",Older American,Consent provided,Web,2017-03-06,Closed with explanation,Yes,,CR2320896,195
2017-02-01,Credit card,,Advertising and marketing,,"Attempted to apply online for an XXXX Visa Signature Card after receiving an offer through the mail for an XXXX Visa Signature Card with a XXXX Mileage Plan sign-up bonus. I searched online and found the same offer but with a {$100.00} statement credit. I applied and was notified that I was approved. However, in the fine print, it stated that since I was actually approved with only a {$2000.00} credit limit this would mean that I would receive a Platinum Plus account. NOT the card that I applied for and this card does not offer the signup bonus that prompted my application. 

I called their customer support number and they said that they could request for my credit line to be increased to {$5000.00} and then switch my card to the Signature Card but even if they did so I would not be able to receive the advertised XXXX sign up offer because it has to be approved at {$5000.00} initially in order to receive the bonus. I feel that this is a blatant Bait and Switch scheme. 

I then decided to apply a second time but this time using the credit card offer that I received in the mail ( also for XXXX bonus miles ). Again, I was approved by only for {$2000.00} worth of credit. I called their customer support number again and they said that they could merge the XXXX {$2000.00} accounts and then I would have XXXX {$4000.00}. At that point, they could seek an increase of an additional {$1000.00} to get me to a Visa Signature Card and request to honor the XXXX sign up bonus. After remaining on hold for some time, the agent said that they had canceled XXXX of the {$2000.00} and I now had a {$4000.00} Platinum Plus card ( not a Visa Signature ). He then informed me that the bank 's policy did not allow a credit line increase within the first 90 days so I would still be unable to get the card that I actually applied for. Since they were not able to give me the card that I wanted, I was forced to cancel both new accounts. I was NEVER applying ( at least willingly or knowingly ) for the Platinum Plus cards. 

This negatively impacts my credit report as I now have XXXX hard pulls on my credit report and XXXX closed accounts that will now affect my average age of credit history ( XXXX accounts for no reason will bring down my average age of credit overall ). 

This is bait and switch and I have since read about many other customers who have been victim of this Bank 's scam.",,Consent provided,Web,2017-02-01,Closed with non-monetary relief,Yes,,CR2322575,4725
2017-02-01,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-02-01,Closed with explanation,Yes,No,CR2321302,538
2017-02-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2017-02-01,Closed with explanation,Yes,,CR2322859,2716
2017-01-31,Bank account or service,Checking account,Problems caused by my funds being low,,"as my statements on my account show. The bank has been charging me processing fee, after processing fee. Dispersing money constantly from my account. Week after week. I have been stressed over the matter. And would like something to be done about it. Requested that they put a stop on overdraft fees. and they still continued to overdraw me. I felt as if they have stolen money from me. Purposely.",,Consent provided,Web,2017-01-31,Closed with explanation,Yes,,CR2318109,3265
2017-01-31,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Eagle National Bank cashed a forged check made payable to XXXX XXXX, XXXX XXXX, XXXX XXXX Bank and XXXX XXXX XXXX XXXX XXXX XXXX , of XXXX cashed the forged check and did not provide the funds to the XXXX or XXXX XXXX . XXXX XXXX is now incarcerated for XXXX felony counts of forgery, grand theft and embezzlement. Eagle National Bank Claims that California Code of Civil Procedure Section 340 ( C ) applies to this case limiting the statute of limitations to one year. We contend, based on counsel from XXXX XXXX, that Eagle National Bank 's claim to California Code of Civil Procedure Section 340 ( c ) is not applicable, because it refers to claims by a "" depositor. '' I further contend that my husband, XXXX XXXX and I are not a "" depositor '' of Eagle National Bank, so it is unclear upon what basis Eagle National Bank relies upon the statute. CCP XXXX ( c ) states ( emphasis added ) : ( c ) An action for libel, slander, false imprisonment, seduction of a person below the age of legal consent, or by a depositor against a bank for the payment of a forged or raised check, or a check that bears a forged or unauthorized endorsement, or against any person who ENrds or feeds an animal or fowl or who engages in the practice of veterinary medicine as defined in Section 4826 of the Business and Professions Code, for that person 's neglect resulting in injury or death to an animal or fowl in the course of ENrding or feeding the animal or fowl or in the course of the practice of veterinary medicine on that animal or fowl. 

We also contend that there is applicable California case law stating that the statute is limited to claims by an actual "" depositor. '' For example, in the California case of XXXX v. XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX ( 2011 ) ( a copy attached hereto ), the California XXXX XXXX XXXX noted that XXXX XXXX XXXX c ) only applies to actions by a "" depositor '' against the depositor 's bank. In the XXXX case, the plaintiff did not have a depository account with the bank, but was merely a loan customer. The appellate court said that the one-year statute of limitation only applies to a depository customer : "" As plainly written, section XXXX, subdivision ( c ), applies only to an action brought by a 'depositor. ' With respect to her HELOC account, Appellant is not a 'depositor. ' The one-year statute of limitations in section 340, subdivision ( c ), therefore is not applicable to this action. '' XXXX v. XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX ( 2011 ). 
Since my husband and I are not "" depositors '', we again request you review your stated statute of limitations for validity against the California Case laws referenced in the above paragraph. 
We also can not verify the validity of our signatures because XXXX XXXX had access to our signatures and forged our California Licenses in order to cash the checks at Eagle National Bank. XXXX XXXX is currently incarcerated for XXXX counts of forgery, grand theft and embezzlement. We demand that the check for {$170000.00} be reissued to XXXX XXXX, XXXX XXXX and XXXX XXXX based on Eagle National Bank 's cited code as not being applicable.",,Consent provided,Web,2017-01-31,Closed with explanation,Yes,,CR2320488,1901
2017-01-31,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Eagle National Bank cashed a forged check made payable to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX , of XXXX cashed the forged check and did not provide the funds to the XXXX or XXXX XXXX . XXXX XXXX is now XXXX. Eagle National Bank Claims that California Code of Civil Procedure Section XXXX applies to this case limiting the statute of limitations to one year. I contend, based on counsel from XXXX XXXX, that Eagle National Bank 's claim to California Code of Civil Procedure Section XXXX is not applicable, because it refers to claims by a "" depositor. '' I further contend that my wife, XXXX XXXX and I are not a "" depositor '' of Eagle National Bank, so it is unclear upon what basis Eagle National Bank relies upon the statute. CCP XXXX states ( emphasis added ) : XXXX An action for libel, slander, false imprisonment, seduction of a person below the age of legal consent, or by a depositor against a bank for the payment of a forged or raised check, or a check that bears a forged or unauthorized endorsement, or against any person who XXXX as defined in Section XXXX of the Business and Professions Code, for that person 's XXXX. 

I also contend that there is applicable California case law stating that the statute is limited to claims by an actual "" depositor. '' For example, in the California case of XXXX, XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX ( 2011 ) ( a copy attached XXXX ), the California Court of Appeal noted that Section XXXX only applies to actions by a "" depositor '' against the depositor 's bank. In the XXXX case, the plaintiff did not have a depository account with the bank, but was merely a loan customer. The appellate court said that the one-year statute of limitation only applies to a depository customer : "" As plainly written, section XXXX, subdivision ( XXXX ), applies only to an action brought by a 'depositor. ' With respect to her HELOC account, Appellant is not a 'depositor. ' The one-year statute of limitations in section XXXX, subdivision ( XXXX ), therefore is not applicable to this action. '' XXXX, XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX ( 2011 ). 
Since my wife and I are not "" depositors '', I again request you review your stated statute of limitations for validity against the California Case laws referenced in the above paragraph. 
We also can not verify the validity of our signatures because XXXX XXXX had access to our signatures and forged our California Licenses in order to cash the checks at Eagle National Bank. XXXX XXXX is currently XXXX. We demand that the check for {$170000.00} be reissued to XXXX XXXX, XXXX XXXX and XXXX XXXX based on Eagle National Bank 's cited code as not being applicable.",,Consent provided,Web,2017-01-31,Closed with explanation,Yes,,CR2320268,4004
2017-01-31,Bank account or service,Checking account,"Account opening, closing, or management",,"Cash payment was made into my business account in order to make purchases for a customer of mine, after three installmental payments from XX/XX/2016 ; then I was at my local Eagle National Bank branch on the XX/XX/2016 to make some initial withdrawal to make purchases, then I realized that my account has been frozen and that there is a fraud hold on my account. I was a given a telephone number to call in order to find out what was going on as the bank teller stated that they do not have any information on the development. 
I called the number, then I was sent back to the branch for more clarifications. On getting to the branch again, I was not given any information apart from what they originally told me that there was a fraud hold on my account. At the branch, I was given another telephone number to call. They gave a name and the department, I was not able to speak with the person as every call I made to this number went to voice mail with the person saying that they were away from their desk. My account was placed on hold for almost three weeks, this hold affected my XXXX business, as I was not able to withdraw any money from the frozen account. All this time there was no communication between me and Eagle National Bank as to what was going on with my account. My accounts were closed without any notification, this affected my direct deposit, which in turn affected my mortgage payment, as I was not able to get my salary on time as a result of the account closure. 
Eventually, I got a letter from Eagle National Bank on the XXXX of XXXX stating that they are sending me the money in my closed accounts, however the payment will be short of {$1800.00}, and the explanation given was that the money is not due to me. Also they mentioned financial irregularities in my account without any evidence or proof. As at the time of this letter, I have not been able to have a conversation with the department in charge and I have not received any call back or a letter showing evidence of irregularities. Also, it was mentioned in their letter that I might be reported to XXXX, and XXXX and consequently I might not be able to open account for about 5 years.",,Consent provided,Web,2017-01-31,Closed with monetary relief,Yes,No,CR2317141,574
2017-01-31,Bank account or service,Checking account,Problems caused by my funds being low,,"I bank with Eagle National Bank and I am sick of their NSF fees. I have set up daily text to notify me of balance because I am human and sometimes forget how much money I have, etc. I am currently unemployed so I usually deposit money to cover my bills, etc. 
Today XXXX/XXXX/17 I got a message that my account is overdrawn since yesterday and have racked up {$70.00} worth of NSF Fees. I understand that it is my responsibility to have money but I 'm unemployed and on a tight budget. Anyhow I have been charged with XXXX NSF fees because although I had enough to cover the bill I paid on Saturday they decided to post another bill that was paid on Monday and then post the Saturday XXXX. The bill posted on Monday overdrew my account and then the Saturday bill overdrew it more. It upsets me because I had enough money to pay the Saturday bill but they will not refund me the NSF for that bill because of some mumbo jumbo "" hard post '' to yesterdays bill. 
On top of that I never received a text from Eagle National Bank notifying me of my daily balance yesterday. In fact whenever my account if overdrawn they never send me the daily text to "" warn '' me and let me know my account needs attention instead they wait until the next day to let you know but by then its too late and you 're shoved NSF fees. I find it convenient that they never seem to get the text out on those days but they managed to get another text about their offers out to me.",,Consent provided,Web,2017-02-03,Closed with monetary relief,Yes,,CR2319445,1709
2017-01-31,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"I deposited a check from a fraudulent company/ job scam and deposited the check into Eagle National Bank and withdrew the funds after they did n't initially stop the check. Some time after withdrawing the funds, they put the check on hold, causing me to show and overbalance and they are not cooperating with me at all in order to resolve. I understand that they can not directly go after the company, but at the rate I 'm going, I 'm going to be slapped with overdraft fees when they essentially told me to go get the money myself.",,Consent provided,Web,2017-01-31,Closed with explanation,Yes,,CR2317878,1211
2017-01-31,Bank account or service,Checking account,"Account opening, closing, or management",,I have disputed with several of the financial institutions due to stolen identity and now these things are still reporting which is causing me to not be able to get an account to assist with my start over process after a bankruptcy.,,Consent provided,Web,2017-01-31,Closed with explanation,Yes,,CR2320647,3379
2017-01-31,Bank account or service,Checking account,Problems caused by my funds being low,,"Update : I spoke with a bank representative on XX/XX/2017 regarding same charges associated with this new/updated complaint. Representative submitted a partial fee refund of {$100.00}, 50 % of the fees acquired in the course of 11 days ( {$210.00} ). Since speaking with the representative I have incurred 2 additional {$35.00} fees totaling {$70.00}, after being told I should not expect any additional fees until XX/XX/XXXX. These fees were charged on XX/XX/XXXX and XX/XX/XXXX. In addition, I am currently in the dispute process with XXXX for unauthorized charges that were made on my account in the amount of {$130.00}. This charge was attempted to be deducted out of my checking account twice, was returned, and a fee of {$35.00} was assessed both times by Eagle National Bank. I have documentation of this ongoing dispute. In conclusion, the call received on XX/XX/XXXX did not resolve my complaint in its entirety. I was under the impression that zero fees will be assessed after that call. Since then, 2 new fees have occurred. Eagle National Bank continuously give inaccurate information. 

Imported from previous case opened on XX/XX/2017 : I am a long time Eagle National Bank customer, starting off with this company with a Student checking account many years ago, and am saddened to say how disappointed I am in the practices at this institution. I spoke with Eagle National Bank on XX/XX/2017 in regards to transactions made on my account between the dates of XXXX-XXXX. In the course of 11 days my account incurred six fees of {$35.00} each, totaling to a whopping {$210.00} worth of bank fees. I was told these fees were incurred due to 3 separate transactions that were attempted to be paid through my account. Not only am I a victim of these excessive bank overdraft fees, they are also unwarranted. There has been occurrences in the past where I was told that the EN mobile app does not accurately show your available balance and that you must go to the desktop version of the site in order to view your actual balance. The misrepresentation of account balances is another way to push customers into overdraft, allowing the banks to collect multiple overdraft fees. 
After speaking with the bank rep, I was told that I may opt in to overdraft protection, in which if a transaction can not be paid, it will simply be declined by the bank. I am extremely upset that this is the first time I have been notified and given this "" option ''. With that being said, since I am not currently enrolled in overdraft protection, any attempted transactions are to be paid by the bank. The issue here is that not only were the transactions between the dates stated above returned ( NOT paid/declined by bank ) but a {$35.00} return item fee has been charged to my account six times ( three in one 24 hr prd ). This is insanely ridiculous. I do not wish to end my longtime relationship, however I am a hardworking XXXX year old, that simply can not afford to throw money away on bank fees. If this issue can not be resolved, I will research alternative banking options.",,Consent provided,Web,2017-01-31,Closed,Yes,No,CR2320933,2299
2017-01-31,Credit card,,Other,,"Eagle National Bank/ MBNA did not follow through regarding a payment plan as described. I have been following up requesting information and communication in writing, and MBNA refuses. This is causing me XXXX and damages.",,Consent provided,Web,2017-02-02,Closed with explanation,Yes,,CR2317322,1527
2017-01-31,Credit card,,Identity theft / Fraud / Embezzlement,,"I am a victim of id theft and it has been an on going issues for me verifying accounts reporting on my credit some of which are unknown to me, I request that you please forward all information pertaining to the opening of this account opened without my authorization.",,Consent provided,Web,2017-01-31,Closed with explanation,Yes,,CR2320152,2221
2017-01-31,Credit card,,APR or interest rate,,I applied and received a Eagle National Bank credit card 15-20 years ago. The card was issued with a 5.90 % fixed rate. I was just reviewing my statement and noticed that my rate has been changed to a 6.40 % variable rate. Is the issuing agency allowed to change my rate from a fixed ( as agreed ) to a higher variable rate without my knowledge or permission? I contacted Eagle National Bank but they were unwilling to reverse the changes that they made.,,Consent provided,Web,2017-01-31,Closed with explanation,Yes,,CR2318738,4498
2017-01-31,Credit card,,Closing/Cancelling account,,"I have been a AAA VISA card holder since XXXX. Outstanding balances were always paid on time. In XXXX XXXX a BofA rep called me and, giving my frequent foreign travels, urged me to take a XXXX VISA card. This XXXX Card was issued the same month to me. On XXXX XXXX this year I informed XXXX that I would be traveling for one week to XXXX XXXX. They put a notice in their records. After arriving in CR I realized that both XXXX cards were refused when I tried to pay with them. I called XXXX, and after being referred to various agents who could not tell me what was wrong, the fourth agent finally told me that the accounts of both cards had been closed on XXXX XXXX and that I should have received a letter in the mail informing me about the closure. But she did say that BofA would not tell me the "" Business Reasons "" for the closure. Luckily my hotel accepted my XXXX Card which many merchants did not do. 
Upon my return to the US I went to a BofA Branch, I keep a checking account there with substantial balances, and they informed me that my Debit Card had also been closed. They were at a loss why this was done but then handed a copy of the letter to me which seems to be somewhere in the postal system which reads "" This letter is to advise you that your above referenced account has been closed because your risk profile no longer aligns with the bank 's risk tolerance. '' By the way my outstanding balance on the Visa accounts to $ XXXX It also informs me that reward points associated with the account would be forfeited. 
The Branch Manager reiterated that Eagle National Bank could not give further explanations for the closure but urged me to contact XXXX to check my Credit Rating and thus find the answer for the closure of my VISA accounts. After checking with XXXX I learned that my Credit Score is XXXX, A, as of XXXX XXXX, that there was nothing delinquent or derogatory. 
To be kind, I find BofA 's behavior bizarre, there seems little interest in good clients.",Older American,Consent provided,Web,2017-01-31,Closed with explanation,Yes,,CR2319195,2670
2017-01-31,Credit card,,Billing disputes,,"I used my Eagle National Bank Visa credit card in this transaction for which I disputed the charge. I pre-ordered an aquarium from the online retailer XXXX XX/XX/XXXX with an expected ship date of XX/XX/XXXX. Multiple delays led to an estimated ship date of XX/XX/XXXX, and then finally XXXX XXXX. However, the seller stopped communicating earlier in the year and I have tried multiple times to contact them through various methods such as email, online form, and chat. In addition, I moved XX/XX/XXXX and have been unable to successfully update my shipping address. I called Eagle National Bank initially to start a dispute and the person I spoke to on the phone said that even though this was charged XX/XX/XXXX, that because the latest updated shipping was XX/XX/XXXX, that it would be no problem and still within timeframe and she was able to initiate a dispute. I received a fax number which to fax in my request and all supporting documents. After doing so, I received a letter saying the dispute fell outside the timeframe and they can not do anything. I called in again and this time a different representative said there is nothing they can do, contrary to what I was told the first time I called. 

Below is my response from a prior complaint that went unanswered : "" This requirement was not met because the transaction posting date was more than 540 days. The last date we could have entered this claim would have been XX/XX/XXXX. '' I called XX/XX/XXXX and the representative on the phone said it would not be a problem initiating the dispute. This is due to the fact that the PROMISED delivery date of the purchased product was XX/XX/XXXX. 

"" Therefore, we can only suggest you continue to pursue this matter directly with the merchant to come to a satisfactory resolution. '' I obviously had tried disputing with the merchant ( both XXXX the company and XXXX the intermediary ) and it did not work nor did they respond to me. Thus, I came to the bank for help. This has been stated in all my evidence and it is offensive Eagle National Bank suggests this solution. It seems they either have not read/comprehended my statements or does not care. 

"" Eagle National Bank respectfully denies your request for compensation, as there has been no error in the handling of your account. '' I never said there was an error in the handling of my account. This really is a purchase protection issue. I initiated the dispute because the company failed to deliver the product I bought and refuses to refund me. By denying compensation, Eagle National Bank is saying they do not care and that I should never pre-order a product using their credit cards because if something goes wrong down the road, they will refuse to help. I actually had an issue with a different company failing to deliver their product using my XXXX card and XXXX credited my account as a "" courtesy adjustment ''. They understood my problem and were more than helpful in the process. I expected Eagle National Bank to do the same. BY CHARGING ME AND FAILING TO DELIVER THE PRODUCT, THE MERCHANT ESSENTIALLY STOLE MY MONEY. 

"" Please note the Foreign Transaction Fee is not unique to Eagle National Bank, transaction fees for international purchases are an industry standard as many issuers assess fees for these type of transactions. '' I understand what a Foreign Transaction Fee is. I included it because it is still money I was charged yet I do not have the product I purchased to show for it. 

I believe Eagle National Bank has more power to deal with the merchant XXXX and the intermediary XXXX than I. My hope was that they would recoup the loss from those companies as they probably have the resources to do so. 

Eagle National Bank is the credit card I used to make the purchase and at this point the only way I can recover my money. Even under the circumstances in timing, I request to be reimbursed for my losses.",,Consent provided,Web,2017-01-31,Closed with monetary relief,Yes,Yes,CR2318781,3167
2017-01-31,Credit card,,Billing disputes,,"On XX/XX/XXXX I noticed a charge on my credit card account : XXXX for the amount of {$39.00}. I did not recognize this business and discovered that they are in the business of computer games. I did not ever contact this business nor solicit and computer game from this or any other company. 
I called Eagle National Bank, my credit card company, and disputed this charge. The amount plus interest was credited back to my account on XX/XX/XXXX. 
On XX/XX/XXXX I saw there was a credit back to XXXX for {$39.00}. I again contacted Eagle National Bank and was told that EN believed the company charge was legitimate since they said they had my e-mail address. I again persisted that this is a fraudulent charge and the amount plus interest was credited back to my account. 
On XX/XX/XXXX I wrote Eagle National Bank to put my concern that this company was using stolen/hacked personal and credit card information from me in an attempt to bill me for a product that I never requested. 
On XX/XX/XXXX I received a letter from Eagle National Bank that was dated XX/XX/XXXX in which they affirm their position that the sale was legitimate since the company provided a bill of sale that had all of my personal information and credit card number. ( A month to receive a denial letter from the bank ). NOWHERE IN THIS LETTER IS THERE ANY CONSIDERATION GIVEN TO MY STATEMENT THAT THIS INFORMATION WAS STOLEN/HACKED AND IS BEING USED WITHOUT MY AUTHORIZATION. 
Further, a google search of "" XXXX XXXX fraud '' brings up XXXX web sites where numerous people have complained about this company for being charged for products that were never ordered and for which they were repeatedly billed each month. 
I believe, without proof positive, that my name, billing address, e-mail, and credit card number, expiration and security code were stolen/hacked the day after I made an online order with "" Reloading Unlimited '' This was the only out of the ordinary business with which I conducted business with and coincided with the appearance of this fraudulent charge from XXXX XXXX. 
I did receive an e-mail from that company but I never opened it nor used the access codes they say they provided in that e-mail to activate the game. Apparently Eagle National Bank did not ask in their "" investigation '' if I ever actually used the game or link they allegedly provided. 
Simply because they send me an e-mail with an unsolicited product does not translate to a conclusion that the order was legitimate and executed by me. MY INFORMATION WAS STOLEN/HACKED AND USED BY THEM WITHOUT MY PERMISSION. This Company is in the business and has a history of charging peoples account for products they never ordered.",Older American,Consent provided,Web,2017-01-31,Closed with explanation,Yes,,CR2319686,3944
2017-01-31,Bank account or service,Checking account,"Account opening, closing, or management",,I have reported fraudulent activity and a case of stolen identity to these financial institutes.,,Consent provided,Web,2017-01-31,Closed with explanation,Yes,Yes,CR2321134,3769
2017-01-31,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a EN Premier Checking account XX/XX/XXXX, enticed by the {$300.00} sign-up bonus. I met all the terms, specifically the {$2500.00} in direct deposit within 60 days of opening the account. The fine print indicated that I could expect my bonus 95 days after opening the account. 

95 days passed, and the bonus never arrived. I ended up calling four times over the course of a month, and was given inconsistent answers each time. 

The first representative told me that the 95 days began after I met the terms. I corrected her, and pointed out that it was in fact 95 days after the account was opened. She acknowledged the mistake after reading the fine print, and said she would seek an answer. Weeks went by and I never heard back. 

I called again, and this representative told me I had n't received the bonus because I was n't considered a new customer, which is who the offer was available to. I had trouble with the website when starting my account, thinking my requests had n't gone through. This resulted in me errantly starting XXXX accounts. I immediately closed XXXX of them, but apparently this led to me not being classified as a new customer. The representative acknowledged that this should not prevent me from receiving the bonus, and that she should be able to explain the issue to a superior. She said she would send a detailed e-mail on my behalf. 

A couple more weeks went by, and the bonus still did n't appear. I spoke to yet another representative, who apologized for me having to explain the matter to so many people. She said she would attach a note to my account, and seek resolution. 

Alas, the next day, I was contacted by another representative, who told me that he had been informed by whoever had the authority to make such a decision that I would not receive the bonus at all because apparently I signed up for the account at a time when the offer was n't available. 

This is utter nonsense. The offer was being advertised all over various personal finance websites XX/XX/XXXX. No specific timetable was provided. The offer was clearly outlined on the Eagle National Bank website. I was careful to read the fine print and understand the details and terms. Also, if the offer was n't available at the time, a customer service representative would almost certainly have informed me of this during my previous calls. 

This bonus should not be advertised if the terms will not be honored. It is a deceptive way to attract new business. I am angry that I spent any time opening an account with Eagle National Bank, and dedicated effort towards re-establishing my direct deposit destinations, for the ultimate result of a slap in the face.",,Consent provided,Web,2017-01-31,Closed with explanation,Yes,No,CR2319820,7855
2017-01-31,Bank account or service,Checking account,Problems caused by my funds being low,,"On XX/XX/2016 I had funds in my account Eagle National Bank charged me overdraft fees XXXX times. XXXX $ XXXX {$320.00} my negative balance at the moment is {$280.00} meaning I do have my own money there and I did have money there the same day "" it went to negative '' as Eagle National Bank claims. Their customer service is ridiculously rude, they sound like bunch of scam artist at the branch and over the phone. I 'm a new customer with this bank, I just wish I did n't switch over to them from XXXX. When i checked my balance it was showing my remaining balance for example : ( {$100.00} ) so this ( ) means that its negative? Never seen this done at another bank. Usually if an account is negative you will see it in red with a - {$100.00}. I 'm very upset with this situation, I have no idea where to get help with this matter. Went into the branch they did n't help me out, called Eagle National Bank they did n't help me out, asked for a supervisor she did n't help me out. I have no idea what to do, this is not fair.",,Consent provided,Web,2017-01-31,Closed with monetary relief,Yes,,CR2319208,2281
2017-01-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-02-03,Closed with monetary relief,Yes,,CR2319800,8342
2017-01-31,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2017-02-21,Closed with monetary relief,Yes,,CR2321117,4030
2017-01-31,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-01-31,Closed with explanation,Yes,,CR2319695,308
2017-01-31,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2017-01-31,Closed with explanation,Yes,,CR2320600,3995
2017-01-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Dear Officer, I am a loyal customer of Eagle National Bank for a long time. I opened a Home Equity Line account ( Account number XXXX ) with Eagle National Bank XX/XX/XXXX. When I did my home refinance with XXXX XX/XX/XXXX, Eagle National Bank ensured me that my Home Equity Line account would be kept open and Eagle National Bank would refund me the payoff fee if they receive any. 
Before XX/XX/XXXX, I suddenly noticed that my Home Equity Line Account was closed. I immediately called Eagle National Bank, and was told that this account of mine would be reopened for me within 10 days. However Eagle National Bank has never reopen this account of mine! 
How could Eagle National Bank break its promises to a customer repeatedly? Why should a bank have different policies? 
As a reputable bank, Eagle National Bank must keep its promise to the customer! It not, Eagle National Bank must pay for the damage caused by Eagle National Bank. 
Thank you! 
XXXX XXXX",Older American,Consent provided,Web,2017-02-02,Closed with explanation,Yes,Yes,CR2318063,1286
2017-01-30,Bank account or service,Checking account,Deposits and withdrawals,,"Holding funds without notice or explanation Eagle National Bank has placed holds on my business checking and savings account with over twenty thousand dollars of my working capital. No notice, explanation or reason has been given to me. No timeframe has been identified as to when the holds will be taken off. In multiple conversations with various departments no details has been provided. All the information I 'm getting is that an internal department that has no name, telephone number or any means of contact has placed the holds and may contact me should they require any information, no specific period of time was ever mentioned to me. No specific reason for holds being placed or any other information has been provided to me by anyone I 've talked to on multiple occasions.",,Consent provided,Web,2017-01-30,Closed with explanation,Yes,,CR2318397,4454
2017-01-30,Bank account or service,Checking account,"Account opening, closing, or management",,"I have closed my checking account with Eagle National Bank # XXXX XX/XX/XXXX and spoke to the Eagle National Bank on XX/XX/XXXX, associate XXXX in XXXX ; I was assured that the residue of {$110.00} will be mailed to me as a check. It is now XX/XX/XXXX and I am still waiting. I called numerous times and was not able to get through since the XX/XX/XXXX, the hold was always very long, 10 minutes + or I got disconnected numerous times. I am on hold again today with the Eagle National Bank and being bounced around.XXXX in XXXX phone # XXXX informed me "" the check is in the mail and to give it till Friday. '' I am amaized how horrible it has been to deal with the Eagle National Bank and would like your burea to know. 
Sincerely XXXX XXXX",,Consent provided,Web,2017-01-30,Closed with monetary relief,Yes,,CR2318036,1324
2017-01-30,Bank account or service,Checking account,"Account opening, closing, or management",,"In the past I had a bank account with Eagle National Bank. Back in 2015 I had an account with XXXX bank that I had to close due to my account being compromised so I opened a new account. I accidentally deposited a check into my Eagle National Bank account from the closed XXXX account in error. When I realized the mistake, I made I contacted the bank and made the situation right as soon as possible. ( no funds are owed to EN ) I made sure my account was cleared of all fees. I received a letter from Eagle National Bank closing my account due to fraud. I called to explain the mistake and they told me that they put me on XXXX and there is nothing I can do about it. I have been fighting this for 2 years with no resolution. I no longer want to bank with them but would like to have the option to bank with someone else which I am not able to as I am on a fraud alert on XXXX. I do n't think a mistake which I owned up to and made it right instantly I should n't be punished for 5 years because a bank feels that they are right with no recourse. I have spoken to managers and supervisors and they all tell me this ca n't be removed. I need to send a letter to them. I have done that and the letters go un-answered and recently received a response because I reported them to the XXXX. The answer is they still refuse to remove it. I really do n't want to hire an attorney but I may not have any other option.",,Consent provided,Web,2017-01-30,Closed with explanation,Yes,Yes,CR2318765,1794
2017-01-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,"In using EN bill pay service, bank checks were not delivered to a EN branch because the address had changed, and were not recreditted to my account until three months later. This is EN 's stated practice, probably prevalent at other major banks. Meanwhile, with this practice, EN adds to its liquidity crediting funds in transit, violating international central banking norms.",Older American,Consent provided,Web,2017-02-02,Closed with explanation,Yes,Yes,CR2318009,3700
2017-01-30,Credit card,,Cash advance,,"I notified the credit card company that my daughter would be abroad in XXXX and would need the card for both purchases and for cash. I was told there was a {$500.00} cash limit per month and what the fees associated with the transactions would be. My daughter withdrew approximately {$200.00} in cash as well as made several purchases. Then, with no notification, the cash withdrawal amount was changed to {$0.00}. I did a complete search of the policies regarding travel abroad and cash limits on the website and read everything there was, and there is no stated policy available on the website. I have spent literally the last 2 hours on the phone with them and have been told 1 ) that "" perhaps '' the cash withdrawal amount would go back to {$500.00} the next billing cycle 2 ) that maybe it was because I had a late payment XX/XX/2016 ( then why was the cash amount of {$720.00} still available XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2016? ) XXXX ) that maybe it was because the account had been inactive for many months ( but why did n't they inform me of this when I spoke to them at length about the use of the card abroad before my daughter left for her trip? ) 4 ) the card was meant for purchases, not for cash withdrawal ( why did n't they tell me this to begin with? ) I was told the credit department would do periodic evaluations of all accounts and decide on cash limits, but they would not look at my account specifically. Had I known all of this, I would have chosen another card to send with my daughter.",,Consent provided,Web,2017-01-30,Closed with non-monetary relief,Yes,,CR2318284,1775
2017-01-30,Credit card,,Billing disputes,,,,Consent not provided,Web,2017-01-30,Closed with explanation,Yes,Yes,CR2316734,12738
2017-01-29,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank deceitful practice 1. BofA failed to alert consumer promptly regarding 'Fraudulent ' online activity. 
-- I tried to use my BofA ATM card to withdraw fund from my checking account on XX/XX/XXXX at my local SF BofA ( XXXX ) branch ) ATM machine shows message saying my card got locked. I continued to try a couple of times more withdrawal, still failed. I later received text message and email saying as below. 
'Declined transaction at Eagle National Bank for {$200.00} on XX/XX/XXXX Declined transaction at XXXX for {$5.00} on XX/XX/XXXX '' It is clear that the ATM lock is due to fr online 'fraudulent ' activity on XX/XX/XXXX. Since this is serious unusual transaction, they are going to lock my card anyway, why did n't BofA inform me right away? Will I not use ATM card sooner or later only by the time to cause me significant inconvenience ( -- it was XXXX afternoon, and branch office closed )? More importantly, it appearantly does n't take online 'fraudulent ' activity seriously. They have both my phone contact and email ( -- as they did on XX/XX/XXXX ). Why did n't they alert me on XX/XX/XXXX when the activity took place. Similar even occurred to my XXXX credit card a few years ago, I was immediately alerted via text message. 
2. BofA locked ATM for withdrawal transactions, allowing check deposit to go through, but not crediting to my account. 
-- After failed attempt to withdraw checking account from ATM machine, I then tried to deposit {$1800.00} business check ( from my business account at other bank ) to BofA checking account. The transaction went through, I was able to print out deposit receipt ( in hand ). Then, it 's most outrageous thing. As mentioned, the check is from my business account at non-BofA bank. I went to my business account, the check got cleared by BofA, but BofA did n't credit the deposit to my BofA checking account. I had to call BofA on XX/XX/XXXX to question how such thing could happen. Needless to say, they only gave me temporary credit. This is how a big bank acts in such 'evil ' behavior. For locked ATM card, BofA declines ATM withdraw, but permits ATM deposit just not crediting to customer. One has to ask where the deposit goes. Is BofA pocked the cash and commit 'deceitful ' and 'fraudulent ' practice? Whether it 's misconception, this bank is not honest and acting like 'crook '. 
3. In process of resolving malpractice on BofA part, it 's customer survey and resolving the issue is not only a 'joke ', but purely insulting. 
-- The ATM receipt from declined ATM withdrawal lists me XXXX to ask for immediate help. The number is basically voice mail. No one is working on weekend. It 's far beyond 'insulting ' to hear the message when you need to have ATM card for urgent cash withdraw. I was able to eventually located XXXX # to be able to talk someone. However, the wait time is over an hour. I explained in detailed what has occurred, and what exact ATM activities I have done. I clearly and specifically told him about the check deposit. I was concerned about this and wanted to make sure the deposit should either reject or credit to my account properly. The result is completely opposite to my expectation. The gentlemen was able to cancel existed ATM card and issue me a new card ( -- which I already received ). He then asked to fill up the survey with detailed experience. I filled up survey and pretty much described everything including each ATM activity. Still, my check deposit is never showing up in my BofA checking account, while the check got cleared anyway. Had I not called up BofA, I would have lost my money. Simply put, I ca n't see who else can pocket the money but BofA. Nicely done! 
Finally, any ATM transactions from locked ATM cards ca n't link to its owner, again, one has to wonder why BofA would allow deposit but decline withdraw for locked ATM card. What is BofA 's intention? Is it 'dishonest ' or 'deceitful '?",,Consent provided,Web,2017-01-29,Closed with explanation,Yes,,CR2316641,2317
2017-01-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I had an account with Eagle National Bank , Home Loan, that has since been closed with a XXXX balance. They are reporting the date of last activity, or last payment made on XXXX, which is correct. This information is now outdated, and should have been removed XX/XX/XXXX, which is 7 years from the date of last activity. I have disputed it with the credit bureaus, and XXXX and XXXX have removed it, but XXXX kept it on. I disputed it with XXXX again, and they said to contact Eagle National Bank. I sent EN a dispute, and they simply sent a form letter stating that their "" records confirmed the information is accurate ''. They gave me no proof and no indication of their "" records '' or how they obtained their decision. They are violating the FCRA and this is damaging my credit.",,Consent provided,Web,2017-02-02,Closed with explanation,Yes,Yes,CR2316509,4821
2017-01-29,Bank account or service,Checking account,Problems caused by my funds being low,,I no put atencin in how much Eagle National Bank was taking from fees to me I think sino right that we working hard and they just take easy money in the packette,,Consent provided,Web,2017-01-29,Closed with explanation,Yes,,CR2316755,2100
2017-01-29,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2017-01-29,Closed with monetary relief,Yes,No,CR2316360,3648
2017-01-28,Bank account or service,(CD) Certificate of deposit,Problems caused by my funds being low,,"I have a Eagle National Bank Money Market account open a couple of years ago. Last year year in XXXX XXXX my balance went down to {$500.00} approximate. The bank did not notify me that they will be charging a monthly maintenance fee of {$12.00} after that. I do n't get a paper statement, only today I noticed that the money market balance was down to {$380.00} only due to several months of {$12.00} monthly maintenance fee they were charging. At least Eagle National Bank should notify me that they will start charging fees. I am senior citizen on fix income. Plus I have been a customer of Eagle National Bank since XXXX. All our home loan, equity line of credit, visa are with them for 40 years. Whatever happened to customer loyalty? 
I asked if they could waive these monthly maintenance fee. But they said NO. So I would like to WARN other Eagle National Bank customers for FEES that are popping UP left and right. they also started charging me for safe deposit box fees since last year. I do not receive paper statements because they also charged for that now. Everything has to be on-line. There should be at least grandfather policies for being loyal customers. Eagle National Bank should at least refund the monthly maintenance fee for 11 months they took away from me. ALSO THEY SHOULD BE CONSIDERATE FOR SENIOR CUSTOMERS WHO ARE NOT TECHNICAL SAVY.",,Consent provided,Web,2017-01-28,Closed with monetary relief,Yes,,CR2314345,1585
2017-01-28,Credit card,,Billing disputes,,"My complaint is not actually with the credit card company although I believe they could notify card holder when they receive a charge from XXXX ( which are the same company ) to alert the card holder that the charges are probably fraudulent. They know this is a scam as when I contacted them regarding the charges on my credit card statement, the person knew exactly what had happened and stated that she receives at least 10 calls a days regarding these charges. On XX/XX/XXXX I responded to an online offer for an under eye cream to reduce dark circles. Free trial and just pay shipping and handling. I use an eye cream as I have dark circles and thought I would try a different kind. That was a wrong idea. I placed the order giving my credit card no. and billing information and had difficulty exiting the website. They wanted me to order another product and I believe I may have just shut my computer down. I received an order confirmation for order total of {$5.00} so thought ok, it was just a computer glitch. On XX/XX/XXXX, I received a Shipping Confirmations for XXXX XXXX XXXX XXXX Trial and another Shipping Confirmation for XXXX Trial. I was n't sure which I had even ordered. I received both products and no invoice or papers were with either product. I tried the eye cream and I did n't like the feel of it so did not continue to use it and did not have any intent of ordering anymore. 
In XX/XX/XXXX, I received another bottle of each and thought I did n't order this and I need to return them as I do n't want either product. Meanwhile, I receive my credit card bill from BankAmericard and notice XXXX different charges which I did not recognize. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total charge was {$370.00} I called BankAmericard to question these charges and the woman immediately knew this company and what had happened. She stated she has at least ten calls a day regarding these charges. She knew what I had ordered and went on to tell me to call the number and ask that this be cancelled as they will continue to add charges to the credit card. Evidently there was some terms of services that would give them permission to charge my credit card forever. She went on to advise that if I pressed them, I may be able to get some of my money back. I cancelled my credit card so no further charges could be added. 
I called the first number listed and they had access to both changes so they are the same company. The person stated I had signed up for this on XX/XX/XXXX and said I received the product and did not cancel in 15 days. After explaining I did n't like the product and did n't want the product, she agreed to cancel both but could not refund the charges. After calling this a fraud and a scam, she agreed to refund 35 % of the amount charged. After repeating myself many times and then talking to a supervisor, he agreed to refund one {$93.00} and {$92.00} charge within one to three business days and I would n't need to return the product or be charged a restocking fee. I was not sure if he would actually credit my charge card but just checked with BankAmericard and the amounts were credited to my account. I was on the phone over an hour to get that amount refunded, but they refused to return the whole amount. I plan to pay the balance of {$180.00} as I do not want to ruin my credit or accrue late payments. This was very expensive eye cream. 
I am very angry, disappointed and this has upset me more than I would like to admit. I was scammed and would like to stop them from scamming others. I hope reporting my experience will somehow save others.",Older American,Consent provided,Web,2017-01-28,Closed with explanation,Yes,,CR2316123,48
2017-01-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I am in process of buying a house. 10 days before closing date which is XX/XX/2017, someone faked email ids of my real estate agent and real estate attorney, and duped me into sending a wire for USD XXXX as the cash down component of my house purchase. The wire was sent on Friday XX/XX/2017. Copy of the entire email communication with the "" fake '' email id is attached, so is the copy of the wire I sent. My bank is Eagle National Bank ( EN ) in XXXX NC and the receiving bank is XXXX in XXXX, XXXX. I did the wire through a branch of EN. The associate who sent the wire, although the address of receiving bank that i had in my wire instructions and the ones showing up on bank 's screen did not match, the associate did not think it was of concern and sent the wire. The FED ID no of the wire is XXXX, and the money was received into the receiving account, as confirmed by the FED ID number. 
May be noted that fake email ids were created by changing 1 character of the email id to disguise it well and make it very difficult for anyone to realize they are face. The genuine mail id of real estate agent is XXXX while fake one is XXXX ( note the extra "" s '' after estate ). Genuine mail id of real estate attorney is XXXX while fake one is XXXX ( note the change of. position ) On Monday, XX/XX/2017 morning, I got a call from the XXXX dept of XXXX ( contact number XXXX ), asking me to verify the authenticity of the wire. I then realized that something is wrong. XXXX said i should check if this is fraudulent and if yes, contact my bank immediately and take steps to recall the money. I did that immediately. Eagle National Bank generated a "" wire recall '' advise on same day XX/XX/XXXX, but due to some procedural issues, was actually sent to XXXX on XX/XX/XXXX, at XXXX, using XXXX XXXX with ref no. XXXX-XX/XX/2017. The recall advise clearly mentioned that this is a fraudulent transaction and funds should be reversed immediately. 
I called XXXX Police dept and filed a XXXX case ( case no. XXXX ). Detective XXXX started work on the case on XX/XX/XXXX. 
I and Detective XXXX have followed up with XXXX several times now. The bank says they will not take any action or return my money until they receive from Eagle National Bank a "" letter of indemnity, also called Hold Harmless letter '', which apparently indemnifies them against any liability. Eagle National Bank refuses to send any such letter, they claim by doing so, they will become liable, which they are not. Despite multiple follow ups with multiple departments of both banks, neither bank is willing to budge from its respective position. 
XXXX meanwhile has frozen the account under question, since they already suspected something suspicious. They refuse to divulge any more information, including whether my money is still in that account or not. 

On XX/XX/XXXX, I received a new email from the XXXX email account ( fake email of my real estate agent ) saying there 's a problem with them accessing the funds and the funds are being reversed and later sent me a fresh set of wire instructions for another bank account ( details in the email thread ). From this, it seems clear that there is high probability that the funds are there in the frozen account. 
This is a very large sum of money that amounts of many years of savings and has placed me and my family under tremendous financial stress. Time is running out, I fear that i will lose my hard earned money. 
I want to file a complaint against Eagle National Bank, for not doing enough to protect the interest of its customer, and refusing to communicate with XXXX and find a resolution. They should submit a "" Hold Harmless '' letter to XXXX, which will enable XXXX to take action and release the money",,Consent provided,Web,2017-01-27,Closed with monetary relief,Yes,,CR2314713,930
2017-01-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Las week, on Friday morning, I logged into my bank account ( BofA 's ) and I see that they have moved the money that I was saving for my college tuition to my checking account from my savings account without my consent or any notification. They credited the whole amount, so I lost all of the amount transferred. At the time I was in class so I waited to get out of class, so I did. When I called, they notified me ( about 40 min later because no one knew what was going on with my account ) that they were going to close my account and that they did n't needed to provide a reason for it but that I should go the next day to get my money. When I go the next day, the person tells me that my funds have been frozen and that I ca n't take any of my money out. I talked to about 10 people since Friday and no one told me what was going on until the day before yesterday when they told me that it was because of a check that I deposited. I talked to the bank manager in XXXX XXXX in XXXX XXXX, CA and he tried to help but he said that most likely I would lose my money, the amount that was for my college tuition. At that point, I was very upset and I started crying because that was all the money that I have been saving from my job. Today I went to another Eagle National Bank to retrieve the funds that I had left, and the manager was very kind and helped me to find out what was going on. He asked me what happened and then I explained the following issue with the check that Eagle National Bank considered Fraud : I applied to several internships on XX/XX/XXXX and XX/XX/XXXX. I got a response from XXXX and the person who contacted me was from Human Resources and his name was XXXX XXXX. He did an online interview through XXXX. After being told that I was hired based on my qualifications, I would start once I received the materials that they were going to pay for. I received XXXX checks, the first XXXX did n't work when I submitted it through online banking, so I called Eagle National Bank ( my bank ) to tell them what was happening. They told me that they should send the check physically in case it did n't work. So the third check that they sent on that same they, it did worked. After that, they told me to send the money to their trusted vendor so I could get the materials. I have the bank account where I sent the first amount. Then, they said this : "" [ XX/XX/XXXX at XXXX UTC-8 ] XXXX XXXX : I was informed by management that the funds was not enough for all the materials as you were sent part of the payment initailly due to the company been unaware of your deposit limit, the vendor said that you will be needing a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX for XXXX, Scanner, printer and Fax, So I contacted the accountant to issue out a new check to you to cover all cost of the materials needed. 
"" So they sent me the check for {$5800.00}. I then deposited that amount in my checking account and it debited ( + ). Then, I had a feeling that this was not right ( after I deposited the check ) so I went to talk to my professor. He told me to call the XXXX XXXX building for XXXX to this number XXXX. When I called, on Monday, about 3 days after the check was deposited, I talked to the person and told them that I was being offered an internship by the name XXXX XXXX. The lady told me that no one by that name worked there. At the point I told "" XXXX '' that I called the company and I asked for him and he never existed, so I told him that I did n't wanted the internship anymore and that I would return his money. I also told him that I would not retrieve the money in cash ( like I did with the first check ), but that I would do a wire transfer, so I did it through my Eagle National Bank using XXXX. I sent him the confirmation number of the transfer and that was it, I never spoke to him again.",,Consent provided,Web,2017-01-27,Closed with explanation,Yes,,CR2313191,1924
2017-01-27,Bank account or service,Checking account,Using a debit or ATM card,,My debit card was stolen by my babysitter and she overdrafted my account. I have turned in my police report and would like my monet returned to my account.,,Consent provided,Web,2017-02-01,Closed with monetary relief,Yes,,CR2315268,2995
2017-01-27,Bank account or service,Other bank product/service,Using a debit or ATM card,,"On XX/XX/XXXX, a friend and I ( XXXX XXXX-year-old XXXX vets ) travel ed to downtown XXXX XXXX for the XXXX parade. It was a very busy, crowded experience. During this time, we navigated through with a wheelchair filled with my back, extra jackets, food, etc. in the seat of the chair while we held on to the arms in the rear. At some point, I used an ATM machine to withdraw cash. Even th ough I do take steps to guard my PIN, I get my body as close to the pad as I can, shield the pad with my left hand while entering the code. I believe this is when my PIN could have been sto len was st olen ( perhaps shoulder surfing, bandit ATM 's, etc. ). I then put my card in my wallet and the wallet in my back pack. It doesn ' t seem a great stretch of imagination that an enterpr ising thief, after getting my pin, could have followed us until there was an opport unity to snatch my backpack, thus having my card and my PIN. 
I did not even notice the loss until sometime later and even more time until I remembered that my wallet was in the pack. On the XXXX, I checked my bank account and it seemed fine. However, it was a federal holiday so the banks were closed and I could not report the loss. On the XXXX, checking my account, again, I was aghast at the charges that I saw. Even worse, these charges were in areas that are I consider dangerous parts of town where I would not frequent or shop.My spending history will bear that out. In addition, the sheer number of purchases made along with the locati ons should have been sufficient for the bank to block my account until they could verify the expenses. They have done so in the past regarding routine charges so it is a shock that they were not watching the account more closely. 
In the process of filing this claim ( for some reason, the bank reports thi s as t XXXX claims even though they were clearly only XXXX ), the bank gave me a temporary credit for part of what had been done fr audulently. I complied with their paperwork requests, including filing a Police report. When I filed that report, the officer told me on the phone that the informat ion that the bank wanted would be included in their report and it would be mailed to me. They do not have procedures for getting it any other way. The process could take up to two weeks. I told the bank this and that same day, the report came in the mail. I sent it to the bank the same day. The Post Office has verified that my certified, return receipt had been delivered to them on XX/XX/XXXX. Earlier, I had been told that a Police report was a substantial part of the investigation process. On that day, I received two letters, dated XX/XX/XXXX that my claim was denied because the PIN was used. The decision had been made before this import ant piece of informatio n could have been considered. The lett er informed me that the temporary credit would be debited from my account on XX/XX/XXXX. So, th ey very day I informed them that more paperwork was coming, they made this decision. 
Since I live on XXXX, the loss of these funds puts me in dire straits. If this debit is made, I will have problems paying my bills. It is imperative that the issues are resolved more favorably before that step is taken. 
( see attached )",,Consent provided,Web,2017-01-27,Closed with monetary relief,Yes,,CR2312650,388
2017-01-27,Credit card,,Identity theft / Fraud / Embezzlement,,"Today, I learned that my credit card account number had been changed by the issuing bank, Eagle National Bank. I called to find out why and they told me that a vendor I recently used had data stolen, which may have included my former credit card number. For security purposes, they issued a new number. However, they would not tell me who the vendor was. I said that was very unfair to the customer, and they are protecting the vendor at my expense. EN claimed legal obligations prevented them from revealing the vendor. I 'd like to push back on that by filing this complaint to force them to reveal the vendor. I should have the right to know which vendors ca n't keep their data secure.",,Consent provided,Web,2017-01-27,Closed with explanation,Yes,,CR2315286,13071
2017-01-27,Credit card,,Delinquent account,,"I am trying to pay my Target Credit Card which had gone into collections. I was getting a consolidation loan to begin cleaning up my record. Target Card ( Visa ) will not give me any documentation of what I actually owe. They orally have said that they will accept {$2000.00} to settle the card, but will not give me ANYTHING it writing to show this agreement has been reached. Of course, my fear is that I will pay them and they will continue to say I owe them more and more. If they are willing to put the amount in writing, I will gladly get them paid, but they will not. Please help! 
The resolution I request is simply to put in writing that if I pay them what we verbally agreed on {$2000.00}, they will accept it as payment and remove it as a lien. Sincerely, XXXX",,Consent provided,Web,2017-01-27,Closed with explanation,Yes,Yes,CR2314584,6301
2017-01-27,Credit card,,APR or interest rate,,,,Consent not provided,Web,2017-02-01,Closed with explanation,Yes,,CR2314340,486
2017-01-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-27,Closed with explanation,Yes,No,CR2314260,3468
2017-01-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-01-27,Closed with monetary relief,Yes,No,CR2315367,1190
2017-01-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-01-27,Closed with explanation,Yes,No,CR2314421,2972
2017-01-27,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2017-01-27,Closed with monetary relief,Yes,No,CR2314909,824
2017-01-27,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2017-01-27,Closed with explanation,Yes,No,CR2315283,431
2017-01-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,"Eagle National Bank made moves and transfers in my checking account and my credit card whit out my authorization, and just told me that was a misunderstood, provoking late pay fees and damaging my credit report and credit score.",,Consent provided,Web,2017-01-26,Closed with non-monetary relief,Yes,,CR2310051,3833
2017-01-26,Credit card,,Credit line increase/decrease,,I applied for credit line increase and I was denied because the bank told me that 's I had a previous credit card back in XX/XX/2004 and I explain to bank of Americ I did n't open this card and send me a fraud packet and I never received it and I called again and they could n't find any records that I applied for credit line increase or a credit card I feel like this is n't right nor its fault I currently have the secured credit card and I made all my payments on time and early and I do n't get rewarded for my hard work and they wont increase my credit line I explain to Eagle National Bank that my credit score is XXXX and I do n't have any outstanding debts on my credit report I want a credit line increase and they refusing to do so,,Consent provided,Web,2017-01-26,Closed with explanation,Yes,,CR2313046,1944
2017-01-26,Credit card,,Late fee,,"XXXX XXXX, XXXX, ( XXXX NC ) sent my credit card to the wrong address setting up the path for XXXX late fees. The fees then set the card to cancel and give me and my dad lower FICO scores because of the bad credit ping","Older American, Servicemember",Consent provided,Web,2017-01-30,Closed with explanation,Yes,,CR2313189,1474
2017-01-26,Bank account or service,Checking account,"Account opening, closing, or management",,"1. Eagle National Bank offers online account opening option. However does not give any notice that my credit will be checked without my knowledge. 
2. The application does not get approved based on their erroneous credit info report they get w/o informing the customer of this process. 
3. Once I called the CSR, the manager indicated despite checking my credit ( the bank wants me to go to the branch ) to verify the info! 
4. The manager said in the bank they do not check credit. But again no such info is listed on the site.",,Consent provided,Web,2017-01-26,Closed with explanation,Yes,No,CR2313492,4298
2017-01-26,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank is where I have my checking account for my small business. 
The nature of this complaint is that Eagle National Bank has deceptive online accounting processes that purposely inflate your actual "" Available Balance '' which allows XXXX to over-write checks or over-make online bill-payments or over-withdraw from ATMs which then encourage you to dip below their monthly minimum balance of {$1500.00} to avoid paying a $ XXXXmonth fee if you EVER ( even for 1 minute ) dip below a balance of {$1500.00}. The gist of the issue is the following : Your main "" Available Balance '' is always higher than it actually is if you use their online Bill Pay system which is outsourced to a 3rd party vendor. Why is this? Because when you make an online Bill Pay, they do not immediately debit your account for that amount for 5 days! Yes, 5 days! Why it is not instant is beyond me. Even if the funds are n't debited, your "" Available Balance '' should reflect all of your online Bill Payments in real-time or at least within hours. To lag 5 days encourages you to always see that you have more money in your "" Available Balance '' than you do. The net effect of this is that I have often dipped below my {$1500.00} minimum balance and been charged a $ XXXXmonth fee for doing so. The fee is charged whenever - even for a minute - your balance dips below {$1500.00}. Well if the online messaging shows "" Available Balance '' AND shows that your Bill Pay status is PAID, XXXX would think that your "" Available Balance '' amount would be accurate. Yet, each online Bill Payment has a 5 day lag. I have notified Eagle National Bank of this sleazy accounting and they have done nothing. 

I have uploaded 3 screenshots with a date and time on the first XXXX. 
1 ) The first screenshot shows my available balance of {$4500.00}. It also shows no mention or accounting for a {$1000.00} payment to XXXX on XXXX/XXXX/2017. 
2 ) The second screenshot shows NO PENDING PAYMENTS of any kind within my Bill Pay section of their system. 
3 ) The third screenshot shows that my XXXX {$1000.00} payment ( made on XXXX/XXXX/2017 ) status is PAID, but wo n't be delivered for 5 days! This amount is NOT reflected in my "" Available Balance '' for 5 days. This goes for every bill pay I make. So the more online Bill Pays you make, the more often you risk over-withdrawing, over-check-writing, or over-bill-paying and dipping below the monthly minimum balance of {$1500.00} needed to avoid a monthly fee of {$25.00}. So the more you transact, the more chances you have of dipping below {$1500.00}.",,Consent provided,Web,2017-01-26,Closed with explanation,Yes,Yes,CR2313830,11131
2017-01-26,Credit card,,Cash advance fee,,,,Consent not provided,Web,2017-01-26,Closed with explanation,Yes,,CR2313437,3818
2017-01-26,Credit card,,Transaction issue,,,,Consent not provided,Web,2017-01-26,Closed with explanation,Yes,No,CR2312788,3243
2017-01-26,Credit card,,Credit line increase/decrease,,,Older American,Consent not provided,Web,2017-01-26,Closed with monetary relief,Yes,Yes,CR2312833,1863
2017-01-26,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2017-01-26,Closed with monetary relief,Yes,,CR2313588,3060
2017-01-25,Bank account or service,Checking account,Problems caused by my funds being low,,"I am a long time Eagle National Bank customer, starting off with this company with a XXXX checking account many years ago, and am saddened to say how disappointed I am in the practices at this institution. I spoke with Eagle National Bank on XX/XX/XXXX in regards to transactions made on my account between the dates of XX/XX/XXXX-XX/XX/XXXX. In the course of XXXX days my account incurred XXXX fees of {$35.00} each, totaling to a whopping {$210.00} worth of bank fees. I was told these fees were incurred due to XXXX separate transactions that were attempted to be paid through my account. Not only am I a victim of these excessive bank overdraft fees, they are also unwarranted. There has been occurrences in the past where I was told that the EN mobile app does not accurately show your available balance and that you must go to the desktop version of the site in order to view your actual balance. The misrepresentation of account balances is another way to push customers into overdraft, allowing the banks to collect multiple overdraft fees. 
After speaking with the bank rep, I was told that I may opt in to overdraft protection, in which if a transaction can not be paid, it will simply be declined by the bank. I am extremely upset that this is the first time I have been notified and given this "" option ''. With that being said, since I am not currently enrolled in overdraft protection, any attempted transactions are to be paid by the bank. The issue here is that not only were the transactions between the dates stated above returned ( NOT paid/declined by bank ) but a {$35.00} return item fee has been charged to my account XXXX times ( XXXX in XXXX XXXX hr prd ). This is insanely ridiculous. I do not wish to end my longtime relationship, however I am a hardworking XXXX year old, that simply can not afford to throw money away on bank fees. If this issue can not be resolved, I will research alternative banking options.",,Consent provided,Web,2017-01-25,Closed with monetary relief,Yes,Yes,CR2311059,1388
2017-01-25,Bank account or service,Checking account,"Account opening, closing, or management",,"I applied for a Eagle National Bank account XXXX XXXX 2016 in the branch and was told that initially my account was denied because I was in XXXX. I brought a letter from XXXX XXXX Services proving the account listed was fraudulent and verified as not mine. The branch manager called risk management and overrode the system and gave approval for me to open checking and savings. I deposited {$25.00} to each to open. The very next day, the accounts were closed because of XXXX so I went back in to the branch and so began a month long journey. First I was told it needed to be escalated to the Marketing Managerr XXXX and that I would be able to open it in a few days. Called back and was told he approved it and risk management overrode him and refused to open the account. I called risk management and was told that there was an issue and they would not override the decline and needed the marketing manager to approve it again. I called the branch and was told by XXXX that she was emailing him for an answer. This went on for two weeks and no one ever had an answer for me. I 'm still going back and forth between risk saying its the marketing manager and the manager saying its risk who wo n't approve the account",,Consent provided,Web,2017-01-25,Closed with explanation,Yes,,CR2307907,2364
2017-01-25,Bank account or service,Checking account,Using a debit or ATM card,,"i for got my back pack on a city bus, when i realized I left it on the bus with all my credentials I called the transportation department to no avail. I called my bank Eagle National Bank and notified them of my loss they said they would freeze the account and that I would have to re-open a new account to prevent identity theft. I only had a few dollars in there so I did n't worry about it. 
on my next payday I went to try to open a new account and was advised of a returned Item. 
and from there on I havent been able to clear this matter.",,Consent provided,Web,2017-01-25,Closed with explanation,Yes,,CR2310764,6114
2017-01-25,Bank account or service,Checking account,"Account opening, closing, or management",,In XX/XX/2013 I had Eagle National Bank bank account and my ex wrote me two child support payments by check so I deposit them my account. I believe days later they closed my account without me knowing it. So I called and they told me they was closing my account because of two bad checks I deposit so I was XXXX because I had direct deposit but I let it go. So I was threw with banks until I tried to go to a credit union so I could build my credit and they told me no because somebody put fraud by my name and social security number. I called them Eagle National Bank and they told me they do not have fraud by my name. So I need this taking care of because this make me look bad when I 'm trying to build my credit.,,Consent provided,Web,2017-01-30,Closed with explanation,Yes,Yes,CR2310249,433
2017-01-25,Bank account or service,Checking account,Deposits and withdrawals,,"In XX/XX/2016, I set up a direct deposit account with Eagle National Bank through my work. In XXXX, my work called to say the cheques were not going through anymore and I told them I was out of the country for a month but would look into it when I got back. In XXXX, when I got back to the US, I discovered that two of my paycheques had not been deposited into my account. Upon further investigation, I found out that they had been deposited into an account with a number that was almost the same as my account number ( two numbers had been switched around ). After hours and weeks of dealing with the bank, they told me they were not responsible. They told me that ACH handled all direct deposits and that they did not have to check that the name on the account matched the name on the cheques being deposited. They said they could n't do anything. I was out {$720.00} and was so upset I went to the manager at my local branch and asked her to help me. From her I found out that the money went into the account of a woman in XXXX area and that she had closed the account after realizing the money was n't hers. With her help, we contacted the woman 's manager and asked her to pay me back the money or I would file a complaint with the police. After six weeks, she finally gave me {$200.00} towards the {$720.00} she owed me. That was on XX/XX/2016. In XXXX, I followed up with my bank manager and then learned that the woman, whose name is XXXX, did n't know where the money was coming from, did n't want the money and was told by her bank to close the account. The claims person with whom XXXX spoke, said they could n't find out where the money was coming from ( claims I find spurious, since my name and address is on each paycheque and I have been a customer at Eagle National Bank for 10 years ). In any event, instead of trying to contact me at all, her bank closed the account and let her keep all of my money without ever trying to find me ( despite what I was told earlier, this is the bank 's fault, as they could very easily have sorted this matter out by looking at the direct deposits as all my information was there ). I have repeatedly asked Eagle National Bank to compensate me, but they are unwilling. Originally they deposited the money into my account in two installments while they were looking into my claim, but then took out not two, but three installments from my account. When I approached my bank manager about this and asked them to give my money back ( they took an extra {$340.00} out, so now I was out {$1000.00} instead of the original {$720.00} ), I was told by my manager that there was no guarantee, but they should realize their mistake and I should get my money back. It took three weeks of me complaining, but I finally got the {$340.00} back from them despite the fact that there were only 12 transactions on the account and they could very easily see their mistake. I find this whole thing to be ridiculous and BofA to be at fault. They should never have given that woman my money in the first place, they should have checked that the name on the cheque matched the account and they should have looked for me ( and should have easily found me ) when the woman told them the money was not hers. She should never have been allowed to close this bank account and run with my money. I am still owed {$520.00} and I want BofA to pay me immediately. I work part-time, and those two paycheques were a month 's worth of my wages. Thank you.",,Consent provided,Web,2017-01-30,Closed with explanation,Yes,,CR2310194,3339
2017-01-25,Bank account or service,Checking account,Deposits and withdrawals,,"XXXX checks that I had already deposited through my Eagle National Bank mobile app XX/XX/2016 were stolen out of my vehicle. I had failed to write "" void '' across the front of the checks. I did not know this was necessary as the app told me to write "" for deposit only '' below my signature, which I did. I thought this was sufficient to prevent the checks from being nefariously used by someone else. Originally, the checks that I deposited XX/XX/2016 were cleared and I spent the money on bills and daily life needs. XX/XX/XXXX, the thieves used the same XXXX checks to deposit in an ATM. Eagle National Bank allowed this fraudulent transaction to occur and immediately took the funds out of my checking account to cover these duplicated checks. They never asked me if I had mistakenly tried to use the checks again, which I would have told them "" No! '' and explained that thieves and defrauders were at work here. My account was overdrawn by almost {$2000.00} because of this. I feel as though I have not only been victimized by thieves and defrauders but also by the the financial institution that my wife and I have used for over 12 years. Eagle National Bank are accomplices to theft and check fraud by ( 1 ) allowing the fraudulent transaction to go through and ( 2 ) by taking the money out of my account to cover their mistake. They also took {$800.00} out of my wife 's checking account that was not directly tied to our joint account, where the duplicated checks were said to have occurred initially, after the account was made negative by the fraudulently deposited checks. This has caused my whole family untold amounts of XXXX. XXXX We filed a police report for check fraud but I just received notice that the case has been closed due to lack of surveillance video at the scene of the XXXX, fraudulent, transaction. Eagle National Bank told us that we had to contact my employers bank, ( XXXX ) in order to see when the checks went through the 2nd time at XXXX. They knew that these checks had already been payed by XXXX after I deposited them XX/XX/XXXX. There was no reason for XXXX to pay these a XXXX time. My boss, the writer of the checks, went repeatedly to XXXX in order to ascertain this. XXXX had no record of the checks coming into their system a 2nd time. Eagle National Bank paid the thieves without sending the information to XXXX the 2nd time. The fraud department of Eagle National Bank has told us there is nothing they can do to help us. They are still incurring monthly charges to the accounts because we ca n't close the account with a negative balance.",,Consent provided,Web,2017-01-25,Closed with monetary relief,Yes,,CR2311557,1712
2017-01-25,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,"To whom may concern, I was charged {$520.00} as penalty to withdraw a CDs. Please allow me to demonstrate the unfairness from Eagle National Bank services. 
XXXX. I tried to stop the transaction before it is completed. I opened a CDs online on EN website, but I realized my investment on EN was poor, and I tried to stop its process before it is completed. So within an hour, I called Customer Services to stop it, they said they can not and I need to go to the branch. I went to the branch ( XXXX ) right away ; the banker XXXX XXXX tried to reverse it for me, but he said the CDs is not on the system yet, so I have to wait 72 hours to come back for any action. I came back to the branch next Monday, Banker XXXX XXXX picked up my case and brought it up to her manager XXXX XXXX. XXXX brought it up to her Region Manager ( I can not get the name ). The top manager insisted I should pay full penalty. 
2. I invested the CDs with Step rate of 5 years, and the first year rate was just 0.35 %. Why my penalty is too high? For step rate CDs, I can take out all my monies after a year matured. With the Cds amount of $ XXXX, I will make interest of {$260.00} for the first year. My penalty is {$520.00} which is much higher than the interest I would make. 
3. Eagle National Bank did not give sufficient and clear information when I opened the account online. EN website did not clearly state the penalty of withdrawing a Cds. It makes it too simple to open a CD account. 
Please investigate my case, I am complaining because the Eagle National Bank 's delayed process, the top manager 's disregard, the unclear high penalty, and insufficient provided related information.",,Consent provided,Web,2017-01-25,Closed with monetary relief,Yes,No,CR2310512,822
2017-01-25,Credit card,,Rewards,,"I applied for a Eagle National Bank Credit Card after receiving a promotion through mail from Eagle National Bank that offered {$200.00} cash back on opening a Eagle National Bank credit card account and spending {$500.00} in 90 days. 
I did that and followed up with the Eagle National Bank customer care number few weeks later when the amount was not transferred. They provided me a fax number ( XXXX ) and asked me to send a scanned copy of the promotional offer and assured me that the amount will be transferred in 5-8 business days. I asked for a complaint or reference number so that I can follow up, but I was told that it is not required. I did the needful, but still did not receive any cash back. I called customer care a second time and was advised this time to go to the bank and get my issue resolved. I visited the XXXX, NY branch of Eagle National Bank on Wednesday, XXXX/XXXX/2016 and spoke with a representative there. The representative called customer care, faxed the scanned copy of the promotional offer to the same number again and assured me that I will receive my cash back in 5-8 business days. 
When I still did not receive any cash back I sent an email on XXXX/XXXX/2016 to the same Eagle National Bank Branch representative who I spoke to earlier and requested him to look into the issue. The bank representative did not even care to reply to the XXXX emails I sent him to respond. 
I have exhausted all avenues of reaching out to the bank and hence filing this complaint with CFPB for resolution to this issue. Thank you for your services.",,Consent provided,Web,2017-01-25,Closed with monetary relief,Yes,No,CR2311609,2233
2017-01-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-30,Closed with explanation,Yes,,CR2311065,2139
2017-01-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,Other,Web,2017-01-27,Closed with explanation,Yes,,CR2311593,4177
2017-01-24,Bank account or service,Checking account,"Account opening, closing, or management",,"I am requesting Eagle National Bank to review the decision on closing the account. I still have credit card with Eagle National Bank and asking to allow me to have checking account. Previous checking account was closed on risk matter. 
I am having troubles with paying my bills with credit card from another account. Last time I entered incorrect account number and I thought that I paid the bill, but transaction did not go through. Bill due date passed and this resulted with credit score went down. 
I do want to keep Eagle National Bank credit card. I am asking Eagle National Bank to allow me to open new checking account. This would relieve all troubles I am facing with paying bills for credit card. 
Credit card : XXXX",,Consent provided,Web,2017-01-24,Closed with explanation,Yes,No,CR2308868,832
2017-01-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I opened a Business Checking account through Eagle National Bank. When asked about a smaller option for business checking with the banker and manager, they both told me that the account they offered me was the basic plan, which cost about {$30.00} per month. ( Falsehood # 1 ) Although I did not need credit card processing, they told me that if my business processed cards through BofA, business checking would be free. A Eagle National Bank Merchant Services ( BAMA ) representative confirmed this for me. He also knew that I would not be processing a high volume of card transactions, but he guaranteed that banking would be free ( Lie # 2 ). I spoke with him on the phone and he sent over paperwork to lease card processing equipment through XXXX XXXX. The contracts were extremely long. I told him I only wanted a 3 year contract. He never once stated that he extended my lease ( Lie # 3 - by withholding information ). I never spoke with a single XXXX XXXX representation. The BAMA rep ( XXXX. ) sent in paperwork for a 4 year lease and I signed it because I trusted him. I was sold a service I did not need ( Card Processing ), and I found out later, that I was sold the highest level business banking service, which I also did not need. 

Months later, BofA started billing me $ XXXX per month for NOT having a credit card transaction. I called and EN waived the fees a few times acknowledging that I processed cards through them. But more fees came each month that I failed to have a card sale. When I called to waive these fees again, BofA stated that I had to actively use card processing in order for them NOT to charge me for both the XXXX XXXX Lease for the card processor and banking. I was furious. 

I stuck around with BofA for about a year and I paid the bank fees and the lease Fee. I decided to call the BAMA rep ( XXXX. ) to cancel my card processing services. He refused to respond to my emails to try to terminate the services, as I was sold something I never needed. All my calls went to Voicemail. My banker gave me his replacement 's contact ( XXXX. ) I spoke with him. XXXX. promised to sort this out with his manager. I emailed him. I called him. XXXX. NEVER responded. 

Frustrated, I finally filed a complaint through the XXXX. A different representative for BAMA heard my case ( XXXX ) XXXX unethically rationalized BAMA 's repeated decisions to deceive and then ignore me. I was NEVER once told me I had to have a credit transaction every single month to avoid banking fees. I never needed card services but I was sold it. I was paying for services I did not need because their competitors offer free business checking. I owed XXXX XXXX over {$900.00} left on my lease. As a compromise, I asked her to waive my banking fees for a year and cancel the card processing through BofA, rendering the leased equipment useless. XXXX is an executive. She refused and she left me with a {$900.00} lease with XXXX XXXX. 

Months later, I called to close my bank account with BofA. The rep tried to downgrade me to FREE BUSINESS CHECKING instead of closing my bank account. I am disgusted with the levels of lying. XXXX, who was an executive, NEVER once offered to downgrade my banking services to free during the XXXX dispute. ( Lie # 4 - withholding information ) XXXX never gave me the option to relieve the me of financial burden of a service I never needed, which I never used or offer any recourse. 

XXXX XXXX equipment is {$200.00} new. Lease value is {$1400.00}. BAMA is united with XXXX XXXX to prey on small business owners. XXXX XXXX is charging fees : software updates and property taxes when the equipment is inactive. XXXX XXXX is now after me to pay off their lease and refuse to take a credit card. They demand my personal banking information else they threaten to ruin my credit. With XXXX track record online, I 'm do n't trust them.",,Consent provided,Web,2017-01-24,Closed with monetary relief,Yes,,CR2308353,2100
2017-01-24,Bank account or service,Checking account,Deposits and withdrawals,,"in 2013 I had a account with Eagle National Bank my boyfriend at the time had asked if he could deposit his check in my account so I agreed and signed the check he deposited it for me. Then I get a letter stating that my account was locked, come to find out it was a fake check and I have n't been able to open a account since.",,Consent provided,Web,2017-01-24,Closed with explanation,Yes,No,CR2307855,143
2017-01-24,Bank account or service,Checking account,"Account opening, closing, or management",,"Previously submitted consumer complaint Case number : XXXX and case number XXXX about the Eagle National Bank My Access Checking Account number ending in XXXX is STILL in question. In XXXX during a phone call with a Eagle National Bank representative, I asked them to check about allegations of "" Account Abuse '' Eagle National Bank reported to XXXX rendering me unable to open a new account. It was only at that time they notified me I had an account number ending in XXXX which had been closed with a - {$530.00} balance. When asked why I was never notified via mail, email, phone, or any other means as this is the law when recovering a debt, I was told it was an "" oversight ''. Not only that, in the time Eagle National Bank claimed to have closed this negative account I owed {$530.00} on, I applied for, and was approved for a Eagle National Bank Mortgage, and NEVER, NOT ONCE was this account or outstanding balance EVER mentioned. I was taken aback and confused as to how a creditor Eagle National Bank can report "" Account Abuse '', and not notify the debtor. MOREOVER when I login to my Eagle National Bank account to check and pay my mortgage, the checking account in question, the account Eagle National Bank claimed to have closed on XXXX XXXX, XXXX is STILL ACTIVE with a positive current balance. To clear my name, and clean my XXXX record, I agreed to be proactive and set up payment arrangements to clear this "" debt ''. A consumer protection file was opened twice as I was never notified, and I could not fully understand how this is account abuse when under my Eagle National Bank profile, there is a My Access Checking account number ending in XXXX opened 7 years ago with a current balance as of XXXX XXXX, XXXX of {$960.00} ( documents included ). So where exactly did the {$530.00} and {$11.00} I paid? This is the amount claimed by Eagle National Bank to be owed to them go? It appears that Eagle National Bank is the one who should be charged with account abuse.",,Consent provided,Web,2017-01-24,Closed with explanation,Yes,Yes,CR2309118,2086
2017-01-24,Bank account or service,Checking account,"Account opening, closing, or management",,"Someone used my personal information to open a checking account with Eagle National Bank, and Eagle National Bank is now holding me responsible for {$80.00} in bounced check fees. They have refused to resolve this with me, I have tried calling in to their fraud department various time, only to be told the only way to handle this is in person at a branch. I have gone to a branch only to be told that they are holding me responsible because they believe the charges are consistent. Consistent with what? This is not my account.",,Consent provided,Web,2017-01-24,Closed with explanation,Yes,No,CR2307740,3434
2017-01-24,Bank account or service,Checking account,"Account opening, closing, or management",,"The Company XXXX emailed me a paycheck and it was printed and sent to Eagle National Bank. They deposited the check and then sent it XXXX XXXX who was the bank for the check. XXXX XXXX determined the check to be FRAUD. Eagle National Bank then returned the the check and mad me a negative balance. This FRAUD Check has caused a huge proble, for me being able to open up a checking account. This needs to be removed from my Eagle National Bank Account so I can get my life better. This has caused many issues for my banking ability. Please have it removed.",,Consent provided,Web,2017-01-24,Closed with explanation,Yes,No,CR2307330,2400
2017-01-24,Credit card,,Billing disputes,,Eagle National Bank refuses to remove there error on my credit card for {$1100.00} after i disputed fraudulent payments made to my account. its clearly their error when i call them they tranfer me from department to department and no one seems to be able to fix the problem.,,Consent provided,Web,2017-01-24,Closed with monetary relief,Yes,,CR2308844,1901
2017-01-24,Credit card,,Privacy,,"I have had a Eagle National Bank Better Rewards Credit Card with Eagle National Bank for some time, never missed a payment and have had good service. The card I have is unusable and called to request a replacement when I was told that when I cleared a Fraud alert on my XXXX Credit Report. Regardless of whether it is on my credit terms when I opened the account or not I was not informed that my credit report would be pulled just for a replacement. The expiration date is not out or anything. They refused to send me a replacement after the fact I had to go thru a verification process which everything matched. I was not reminded nor asked if it was ok to pull my credit report and I did not give verbal permission to have my credit report pulled. I did not want any inquiries added to my credit report and due to the negligence of the representative all he could say was that I knew it when I opened the account. That is not the point, He was either supposed to ask me or remind me. He could have said You are aware that I will have to pull your credit or he could have reminded me that it is Eagle National Bank 's policy that he would have to pull the credit report. they worry about the privacy act but yet what about my rights as not only a customer but a consumer. My rights have been violated and what is the purpose of the verification act that I had to go thru and he could not answer that all he could say that I needed to get my fraud alert removed from my credit file. That is my right and people have fraud alerts for various reasons and mine happens to be by mistake so why was my rights violated. The representative never once mentioned it in the conversation and he could not say anything about pulling my credit report. I will fight this, I am going to file a formal complaint with Eagle National Bank. Regardless whether it is in the terms the representative of any bank is to verbally and or written permission when it comes to pulling a credit report.",,Consent provided,Web,2017-01-24,Closed with explanation,Yes,,CR2307346,1408
2017-01-24,Bank account or service,Savings account,Deposits and withdrawals,,"I has established a direct deposit to my new savings account opened with Eagle National Bank. The amount was received by the bank but they held it in a warehouse and refused to credit the funds to my account despite numerous requests. At first I was told that at Eagle National Bank unlike all other banks direct deposits get credited only at the end of the business day and not first thing in the morning. When I pushed back on the explanation provided, I was told that the funds ( large amount exceeding XXXX ) was being held in their "" warehouse '' as the instructions indicate the account type is checking and not saving. After being placed on hold for over 30 minutes was told that the "" warehouse '' has been requested to release the payment. It is not guaranteed but the funds "" may be '' made available tomorrow. I indicated that it was not acceptable for the bank or the "" warehouse '' to simply hold my payment for over 24 hours ( or more as not guaranteed ). I was told I was at the bank 's mercy and they can hold my payment for as long as the "" warehouse '' deems necessary and that the bank can only send them a message which they have already done. When asked to speak to a Manager I was placed on additional 15 minutes hold and then old no one is available. When asked on how as a consumer I feel helpless and taken advantage of and need to escalate I was again placed on another long hold and then asked to leave a voicemail to the Manager. Left the voicemail and as expected did not hear back. 
What protections if any do I have when the Bank or its agent - the "" warehouse '' illegally hold my funds with no resolution or guarantee on when I will get the funds? 
What are the penalties and sanctions that the bank is exposed to for such illegal, unethical and immoral acts? 
Are consumers in this country just at the mercy of banks like Eagle National Bank and banks can hold the hard-earned direct deposits funds whenever and however they like? 
What are the labor law violations that the bank has committed by avoiding a worker from having timely access to their wages? 
Most unacceptable daylight robbery by the Bank. 
Details of the individuals involved : Agent - Her name was probably XXXX - She seemed completely ignorant with no knowledge of banking what so ever. 
Supervisor - XXXX. Refused to give her full name. Extension - XXXX. Called herself both the supervisor and Manager. Was extremely rude, arrogant, and indicated that the bank could take as long as they want and that as a consumer I had no recourse against the Bank or their "" warehouse ''. 
Manager - The voicemail indicated her name was XXXX. Failed to contact me despite my detailed message and plea regarding the important matter on hand.",,Consent provided,Web,2017-01-24,Closed with explanation,Yes,No,CR2309125,331
2017-01-24,Bank account or service,Checking account,Deposits and withdrawals,,Eagle National Bank is violating my my consitition rights XXXX withholding me from my direct deposit than denie me the request to speak to a manager when requested ... Eagle National Bank is constantly committing waste fraud and abuse to cause me harm reguardjng my direct deposit,,Consent provided,Web,2017-01-26,Closed with explanation,Yes,No,CR2306590,2448
2017-01-24,Credit card,,Delinquent account,,,,Consent not provided,Web,2017-01-24,Closed with explanation,Yes,,CR2307753,4159
2017-01-24,Credit card,,Late fee,,,,Consent not provided,Web,2017-01-24,Closed with monetary relief,Yes,No,CR2309334,2677
2017-01-24,Credit card,,Delinquent account,,,,Consent not provided,Web,2017-01-24,Closed with explanation,Yes,,CR2306136,1117
2017-01-24,Credit card,,Delinquent account,,,,Consent not provided,Web,2017-01-24,Closed with explanation,Yes,,CR2306549,4403
2017-01-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-24,Closed with explanation,Yes,No,CR2305306,1048
2017-01-24,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2017-01-31,Closed with explanation,Yes,No,CR2308017,11409
2017-01-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-24,Closed with monetary relief,Yes,Yes,CR2309056,2877
2017-01-24,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2017-01-24,Closed with explanation,Yes,Yes,CR2307419,4193
2017-01-23,Bank account or service,Checking account,Deposits and withdrawals,,"I gave a personal check to my daughter to cash, she does not have an account with Eagle National Bank, she went to EN in XXXX NC to cash the check. 
My daughter told me that when they were looking at my account they gave my daughter full view of my account details and she is not on my account and to make matters worse her boyfriend was there and saw my account as well. My daughter said anyone standing behind her could see my account as well on the big screen they had. This is totally a violation of my privacy of my bank information. I do n't think this type of behavior should be not addressed as identity theft is on the rise, etc and I think the bank should be fined.",,Consent provided,Web,2017-01-23,Closed with explanation,Yes,,CR2306931,545
2017-01-23,Credit card,,Closing/Cancelling account,,"Eagle National Bank abruptly closed both of my credit cards with the bank ( in a letter dated XX/XX/XXXX, but which I only received yesterday ). The only reason provided was "" your risk profile no longer aligns with the bank 's risk tolerance. '' I have a credit score of XXXX ( FICO ), have always paid my credit card bills on time, and received no warning that these cards might be closed. The only previous actions Eagle National Bank had taken with these cards were to increase my credit limits on both. I called Eagle National Bank and they said they have no say over it and I had to talk to FIA Services, who apparently administers Eagle National Bank branded credit cards ( I was never told this ). FIA Services told me on the phone that they could n't provide any further explanation, and that there 's no way to appeal the decision internally. In the process, Eagle National Bank / FIA Services eliminated all reward points I 'd gained on the card. I 'm especially concerned that this may hurt my credit rating, which has otherwise had no negative events. What can I do?",,Consent provided,Web,2017-01-23,Closed with explanation,Yes,,CR2305096,1312
2017-01-23,Credit card,,Credit determination,,"Below is a letter that I sent to B of A today that outlines my problem fairly clearly : XX/XX/2017 Re : Consumer Financial Protection Bureau / Case no. XXXX Account number : XXXX Dear XXXX XXXX, You sent me a letter XX/XX/XXXX ( copy enclosed ) in which you asked me for information that you stated the Federal Government needed to keep my credit card account open. I demurred in giving you some of this information ( for instance, where I worked and what I did ) saying it was none of Eagle National Bank 's business since I had had an existing credit card in good standing. You responded by closing my account, I thought, temporarily until this matter was resolved. However, today when I called your telephone number and extension at B of A ( which number for you and your department had been changed ) and finally got through to someone after a total 90 minutes of waiting on four separate phone calls, I found out that my account was permanently closed and could not be reopened because of the way it had been closed. 

I am writing you to ask you to tell me if B of A reported this account closing to any credit bureaus or consumer reporting agencies, and if so, to provide me with a copy of my credit report from that or any agencies or bureaus. 

I have a number of credit cards and none of those companies required me to give them more information under the guise of the Federal Government requirement. I have had a credit card with B of A for a number of years. Why did only the B of A need me to fill in the XXXX form and the XXXX? B of A already had my Taxpayers Identification Number from when they issued me a credit card in the first place. The XXXX form is kept in house anyway so why the drastic action by B of A? Your marketing department needed the information perhaps? 

Please tell me in detail just exactly what the Federal Government needed to know. This request B of A made was not for a new loan, or new credit card application so was gratuitous in reference to an active ongoing credit card in good account. 

To sum up, please inform me if B of A communicated to any outside agencies concerning this matter. 

Sincerely, XXXX XXXX cc : Consumer Financial Protection Bureau, Senator XXXX, Representative XXXX",Older American,Consent provided,Web,2017-01-23,Closed with explanation,Yes,No,CR2306266,1661
2017-01-23,Credit card,,Forbearance / Workout plans,,"Due to the XXXX of XX/XX/XXXX and a severe loss of income, I could not pay my credit cards. No one would work with me and I ended up being summoned to court. I could not afford an attorney. The cards were all bundled together and the attorney representing the credit card company offered me a re-payment agreement that would span 3 years. He told me to sign it and make the monthly payments, determined by him, for 3 years and said that would be the end of it. I signed it and the judge approved it. There was no discussion about forgiving anything. They said - pay what you owe and I did. I worked very hard to make the payments from the XX/XX/XXXX-XX/XX/XXXX time frame until XX/XX/XXXX-XX/XX/XXXX. During this time, my husband had to file bankruptcy and we had to short-sale the house because again, no one would work with us. Not the homeowners relief program, NO ONE. I never received any further communication from ANYONE. Now we fast-forward to XX/XX/XXXX and Eagle National Bank sent me a XXXX form stating that they are "" forgiving '' {$12000.00} of debt! There is no possible way this could be my debt. What I am saying happened, is that since I was under the impression that this matter was resolved and I made 3 years worth of payments, I thought it was over. No one has contacted me since that day in court almost 9 years ago. So what was Eagle National Bank doing to me behind my back? Adding on late charges and penalties and fees every month, while making absolutely no effort to contact me so that perhaps this could have been resolved and now, almost 9 years later they are "" forgiving '' {$12000.00} of debt? How can this even be legal? How am I going to pay taxes on this now? I am XXXX years old and I am not made of money. Please make them rescind this form. I do n't have the income to justify a credit limit of {>= $1,000,000} on XXXX card. In my opinion, this is fraud. Is Eagle National Bank trying to manufacture write-offs? I do not know HOW I will pay this tax bill either. What is next - debtor 's prison??????",Older American,Consent provided,Web,2017-01-26,Closed with monetary relief,Yes,,CR2305527,12417
2017-01-23,Credit card,,Identity theft / Fraud / Embezzlement,,"I was ordering airplane tickets on XXXX when this popup stated if I applied for a credit card I would get {$100.00} off on my tickets. I had already picked out my dates, entered the names birthdates, seating and bag information. I was at the payment phase when the popup displayed. So I took advantage of the offer but when I completed the credit form it did n't take me back to check my order when I was approved. It just checked me out and charged the card. I never got a card number or a phone number to call. When I saw my confirmation it changed the flight day to the day I bought the tickets. Allegiant terms of services said 24-hour notification or no refund. I could not call or reach anyone and we started getting notifications that the plane was ready to leave. I tried to cancel the return ticket and it never fully canceled and notified us to ENrd the plane for a return. I still do not know the card number or who to call. XXXX does n't have a phone number on their website. I sent an email with no reply. I think I now have a debt of {$700.00} for something I never ordered. I picked XX/XX/XXXX and it changed it at checkout to XX/XX/XXXX of the same day. I feel I was frauded because of their 24-hour cancellation policy. I can provide the PDF confirmation. But it only shows the last four digits.",,Consent provided,Web,2017-01-31,Closed with monetary relief,Yes,,CR2303770,5801
2017-01-23,Credit card,,Identity theft / Fraud / Embezzlement,,"My credit card number was fraudulently used by an unknown person online to purchase items at a XXXX XXXX in XXXX on XX/XX/XXXX. The items were picked up and signed for at the XXXX XXXX XXXX on XX/XX/XXXX. My Visa card with Eagle National Bank was charged {$1000.00}. I became aware of the charges in the next monthly statement. I instituted a fraud claim with Eagle National Bank and changed the account number immediately and destroyed the credit card per B of A instruction. The physical credit card was not stolen and was never out of my possession. B of A investigated and their decision of XX/XX/XXXX is that the charges are valid and I owe the amount noted. No documentation has been received from B of A to support their decision. Note also my account had a security threshold of {$750.00} which stipulates I should have been contacted for the charge to be debited to my credit card account ; no contact was made for approval. B of A has not given me a fraud affidavit or any other support to assist in this fraud claim. I have filed a police report with the XXXX, AZ police and have notified the XXXX credit bureaus of the situation and place a credit freeze on my name and credit. I feel that B of A should provide me with the signature of the transaction as well as any other documentation utilized by them to deny. The account is now drawing monthly interest charges for the disputed amount.",Older American,Consent provided,Web,2017-01-23,Closed with monetary relief,Yes,No,CR2305951,388
2017-01-23,Bank account or service,Checking account,Problems caused by my funds being low,,"I run a business that functions mostly on credit card transactional deposits. I opened XXXX accounts with Eagle National Bank for daily use of this cash. I continually get overdraft fees ( thousands of dollars ) as the card allows you to overdraft. They did not initially tell me about this feature. When I found out, I complained to management multiple times that I do n't want these fees and to turn off this feature as I have employees using the cards and they do n't always know the account balance. They refused to turn off this feature. I literally am getting hundreds of dollars a day in fees. I feel they are taking advantage of low income citizens. I do n't make a lot of money but I work hard for what I do make. I would like the accounts closed and the fees refunded.",,Consent provided,Web,2017-01-23,Closed with explanation,Yes,No,CR2305230,1547
2017-01-23,Credit card,,Credit determination,,"On or about the XXXX of XXXX XXXX I made an application for a Nordstrom credit card online. Before submitting the application I called the company because I could not get the application to go through because it required an expiration date for my State ID. I do n't have an expiration date on my ID because in the State of Illinois when you are over XXXX years of age your ID no longer has an expiration date. 
After explaining this to a woman at Nordstrom credit. She advised me to submit the form and it went through. 
A few days later I got a letter from Nordstrom dated XXXX XXXX, XXXX stating that my application was turned down because of an account that I had with Nordstrom 's that was charged off. 
Since I had no recollection of such an account I called Nordstrom and was advised that according to their records I had an account that was charged off in XXXX. 
I then called the company that had purchased the charged off account and I was told that I had discharged a Nordstrom account in a bankruptcy that I filed in XXXX. 
I have been working to build my credit for the past 2 years and look at my credit reports at least once a week. 
None of the credit reporting agencies are showing the XXXX bankruptcy nor do they show any Nordstrom account that is past due or delinquent. 
The bankruptcy was discharged in XXXX. Since that time I have been working to repair my credit. 
After speaking with the company that bought the debt I tried a total of five times to call Nordstrom credit and could not get through. When I left my number for them to call me I received no return calls. 
I feel that I am owed an explanation as to how they came to the decision to deny me credit. This is the first time I have heard of a company that uses a 14 year old bankruptcy as a reason to deny credit.",Older American,Consent provided,Web,2017-01-23,Closed with explanation,Yes,No,CR2306373,1879
2017-01-23,Credit card,,Transaction issue,,,Older American,Consent not provided,Web,2017-01-23,Closed with explanation,Yes,No,CR2306605,3408
2017-01-23,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2017-01-25,Closed with monetary relief,Yes,,CR2303618,6052
2017-01-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-23,Closed with explanation,Yes,No,CR2305959,6112
2017-01-23,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-01-23,Closed with explanation,Yes,No,CR2306650,1183
2017-01-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-23,Closed with explanation,Yes,No,CR2303782,4731
2017-01-22,Bank account or service,Checking account,Using a debit or ATM card,,"On the evening of XXXX XXXX, 2017 I went to the Eagle National Bank 's Teller Assisted drive up window at XXXX XXXX, FL to cash a check. But when I placed the check into the machine it got lost, so the video teller started a claim dispute process and told me it could take up to 45 days. 

In the following days I called the telephone number he provided to inquire if anyone had even looked for my check outside in the ATM machine. But the only response I ever got from the Eagle National Bank was that its investigation was underway. Later, I received a letter indicating the bank would issue a temporary credit line for the amount of the check while it conducted its research. Then after a week, I received a response from the bank stating, 'We have concluded our investigation and determined an error did occur ' and that 'The temporary credit for the amount is now a permanent credit, thus closing this dispute '. 

When I gave my check to the Eagle National Bank I expected to promptly receive cash or have my check returned to me upon request. I had the right to know the whereabouts of my check and the bank had an obligation to locate it in a timely manner. It took the Eagle National Bank over a week to cash a simple check and never admitted any wrongdoing on its part or apologized for its error. Instead, the bank slapped me with credit and treated my concerns as unimportant.",,Consent provided,Web,2017-01-22,Closed with explanation,Yes,No,CR2302687,1725
2017-01-22,Credit card,,Closing/Cancelling account,,"I have been on hold for 1.5 hours trying to cancel my credit card. Thirty-five minutes into the call I did get connected to a representative only to be told that I must be connected to a "" specialist '' in order to close the account. It has been an hour and a half and I am still on hold on the call.",,Consent provided,Web,2017-01-22,Closed with non-monetary relief,Yes,No,CR2303183,2425
2017-01-22,Credit card,,Customer service / Customer relations,,"I have been on hold for 1.5 housr trying to cancel my credit card. Thirty-five minutes into the call I did get connected to a representative only to be told that I must be connected to a "" specialist '' in order to close the account. It has been an hour and a half and I am still on hold on the call.",,Consent provided,Web,2017-01-22,Closed with non-monetary relief,Yes,No,CR2303029,9362
2017-01-22,Credit card,,Credit line increase/decrease,,"I placed {$1200.00} in my Eagle National Bank credit card account. Eagle National Bank reduced my credit limit by {$1000.00} and took {$1000.00} of the {$1200.00} fr from my account. The {$1200.00} was an attempt to lower the admittedly high balance and to begin resurrecting my credit. Not only is appropriating the funds unfair but it serves to further unsettle my credit standing. Furthermore, I am in fear that EN may take money from checking account. I can not even close the account without realizing further credit penalties ( EN is my longest opened account ). Finally, the credit report used was based upon inaccurate information. However, if it were accurate, lowering the credit limit and then appropriating funds can not be an ethical - even if legal - practice. Please return the {$1000.00}. 
I do not care if the credit limit is lowered ( in fact, that would mean smaller monthly payments ). I am employed ( XXXX ) and I receive social security. I work hard to maintain my credit. This action only serves to undermine my financial health and efforts to demonstrate credit worthiness. Please help.",Older American,Consent provided,Web,2017-01-22,Closed with explanation,Yes,,CR2303338,1520
2017-01-22,Credit card,,Customer service / Customer relations,,"I was having financial trouble and asked for help from FIA credit card services ... they put me in a program which I was paying on in a timely manner, for a very long time. The program included automatic payments from my checking. I noticed that a payment had not come out for a credit card payment and called FIA to fix. I was told everything was okay ... then I noticed that FIA charged-off my account ... despite my willingness to pay. I called and asked why they did the charge off if I was willing to pay ... and they told me that I was in a special program and that they could if they wanted ... so their answer was "" they could if they wanted. '' While this was going on, I was receiving collection notices from Eagle National Bank ... I did not have an open BofA account ... So I thought they were in error. I hired an attorney and the only information she was able to find out ... was that FIA was owned by Eagle National Bank ... as a consumer ... I did not know this and they did not tell me. They ignored my attorney - would not talk to her. So, I have been punished for an account that BofA purchased, then promptly charged off as soon as they could. I have since settled the account ... but it is annoying that they just charged my account off for one late payment. It shows that it was somehow profitable for them to do so. I think collecting under another assumed name ... BofA collecting for FIA was not ethical ... they should have informed me. Also, when I worked for Banks ... charging off was for accounts that could not be collected. I have been working diligently on the repair of my credit since. Can something be done about this?",,Consent provided,Web,2017-01-22,Closed with explanation,Yes,No,CR2302409,1338
2017-01-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2017-01-22,Closed with monetary relief,Yes,No,CR2302508,3177
2017-01-22,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2017-01-22,Closed with non-monetary relief,Yes,No,CR2306600,3277
2017-01-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-01-22,Closed with monetary relief,Yes,Yes,CR2302846,3373
2017-01-21,Bank account or service,Savings account,Deposits and withdrawals,,"I have been a customer of Eagle National Bank for over 30 years. I went into the location at XXXX XXXX XXXX XXXX, XXXX, TX on XXXX XXXX, 2016. My brother and sister-in-law went in with me into the bank so that way I could check on my account and withdraw some funds, and possibly either close the account or remove my son as a signer. I do not want to go into detail about my situation, but the family had opened XXXX cases against my son for elder abuse. So in an effort to be proactive, I brought in a letter from my doctor dated XXXX/XXXX/16 stating that I was clearly competent times XXXX, and perfectly capable of managing my own affairs. I also brought in the paperwork to show that I had revoked my sons POA as well just in case the bank needed to see that paperwork. 
The Financial Center Manager, XXXX XXXX, took us into her office. She looked at my ID, asked me for my social security number, and pulled up my account. She did n't look at the paperwork that I brought in and acted as if it was meaningless. So I asked for {$500.00} and a recent print out of my accounts, which she provided with no questions asked. But then when I asked about removing my son from the account or withdrawing more funds, she left the room and was gone for 15 minutes. XXXX then returned with her assistant manager ( XXXX ), and told me that they called my son XXXX, and that they would NOT give me any more information, statements, would not withdraw any more funds, or perform any other transaction for me. 
In fear for my safety, my brother suggested that we leave as soon as possible since XXXX now knew my whereabouts as a result of the phone call that XXXX made. We called my niece, who is a XXXX in XXXX, and told her about the illegal treatment we received. She immediately got on the phone and tried to contact the District Manager, XXXX XXXX, but he did not answer the phone. So she sent him an email informing him of what happened. Well, as XXXX would have it, we stopped at the next Eagle National Bank that we could find, and XXXX was there. XXXX told us that he was aware of the situation and received the email, but that he could not release the hold that XXXX XXXX had placed on the account. He looked over my paperwork and assured us that XXXX would take care of me the next time that I went into the office. I am not sure why he could n't have taken care of me, which was NOT right. 
My niece flew down from XXXX to go with us to the bank to withdraw at least my Social Security deposit, but XXXX had deleted the hold and gave all of the funds to my son on XXXX/XXXX/16. Why did she give it to him on XXXX and not me on XXXX? This was a joint account and the funds going into the account are all mine. My right were violated! Of course, he is stating I am incapacitated, but there is NO court order and as you can see, I am quite competent. There is no reason that those funds should not have been given to me on XXXX/XXXX/16. I believe XXXX XXXX must have been bribed because what she did was illegal!! 
My privacy was violated, my money was stolen with the help of XXXX, and I want my money back or I am filing a lawsuit.","Older American, Servicemember",Consent provided,Web,2017-01-21,Closed with explanation,Yes,Yes,CR2302298,980
2017-01-21,Bank account or service,Checking account,"Account opening, closing, or management",,"INCORRECTLY CONTRIBUTED FALSE & FRAUDELENT INFORMATION Eagle National Bank NA Eagle National Bank incorrectly closed my checking account under inaccurate & false pretenses despite reporting unauthorized transactions being made on my account to a representative. As a result Eagle National Bank closed my account for cause instead of properly handling my fraud claim. Furthermore, future attempts to follow up on such issue has been mediocre and disregarded by the bank. Not only did they disregard or not properly handle my fraud claim, they proceeded to allow the unauthorized account access & transactions to be posted to my account. On top of that, Eagle National Bank did not allow me to visit a branch or speak to representative in person without assessing a fee for such a service, which is extremely unfair. Despite the unauthorized use of my account and being victimized by fraud, Eagle National Bank proceeded to close my account right away with a loss which I ended up paying for being deceived by a representative that it would correct the issue. This was not the case, and Eagle National Bank and its employees refused to disclose to me information about my account, including the reason for closure & failed to investigate the situation properly. I did not find out the reason until I was researching my consumer reports. This type of behavior is unfair, deceptive and predatory. It is my belief that Eagle National Bank acted in an unlawful way when closing my account in reference to UDAAP & also discriminated against me for my gender, age, race and income which has injured me financially and economically.",,Consent provided,Web,2017-01-21,Closed with non-monetary relief,Yes,,CR2300917,986
2017-01-21,Bank account or service,Checking account,Using a debit or ATM card,,"On XX/XX/XXXX, I attempted to make a purchase at the XXXX, XXXX XXXX in the amount of {$51.00} using my Eagle National Bank Debit Card which is linked to my checking account. I inserted the card ( with a chip ) into the machine and after waiting nearly a minute, the clerk asked me to remove the card and insert it again, which I did. After nearly another minute, the clerk advised me the sale was declined and asked if I had another card I could use to make the payment. I said I did, but preferred to use cash instead. I completed the transaction using cash for {$51.00}. The next day, I checked my online banking statement and saw that XXXX transactions for {$51.00} at the XXXX XXXX were pending. Several days later, I noticed the transactions had cleared and my account was charged {$100.00}. On or about XX/XX/XXXX, I filed a claim with Eagle National Bank for the incorrect charges. I was asked at that time if I had the receipt for the cash purchase and I explained that I did not. Several days later, I was advised the XXXX charges totaling {$100.00} would be temporarily credited to my account while the claim was being investigated. 
On XX/XX/XXXX, I received a letter from Eagle National Bank stating "" We 've completed our review of these claims and have determined that no errors have occurred in this instance. '' Further, the total amount of {$100.00} will be reversed from my account on XX/XX/XXXX. I immediately called Eagle National Bank Customer Service at XXXX and spoke to XXXX in XXXX with the Fraud department. He stated that the claim was denied because I could not produce the receipt proving the transaction was completed by cash. I informed him that the issue is that I did not provide a PIN nor did I sign a credit charge at the time of purchase and it does not matter whether I completed the purchase or not or how I paid for it. After some insistence, XXXX finally decided to escalate the claim but I have my doubts to the outcome since he said it was my responsibility to prove my claim by providing the cash receipt.",Older American,Consent provided,Web,2017-01-21,Closed with monetary relief,Yes,No,CR2300702,11360
2017-01-21,Bank account or service,Checking account,Deposits and withdrawals,,"Reference to Case number : XXXX ], Eagle National Bank charged me a XXXX NSF fee because they held my certified funds cashier 's check funds for 9 days. This is an additional complaint for the XXXX Hide additional information for activity type bank charge XXXX NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... 

Edit Description activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... as Reconciled XXXX XXXX Type : Bank chargeDescription : NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE XXXX POSTING SEQ XXXX Merchant name : NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE XXXX POSTING SEQ XXXXSelect to Editthe merchant name Transaction category : get more information about transaction categoryUncategorized : Pending",,Consent provided,Web,2017-01-21,Closed with monetary relief,Yes,Yes,CR2302283,2648
2017-01-21,Bank account or service,Savings account,"Account opening, closing, or management",,Sought balance to applicable and prevailing interes on various deposits and its brought to current from trend in pay breach on interes balances in this sector XXXX to XXXX XXXX Card to XXXX to XXXX to EN,,Consent provided,Web,2017-01-21,Closed with explanation,Yes,Yes,CR2302243,3674
2017-01-21,Credit card,,Billing disputes,,"Eagle National Bank did not properly and thoroughly investigate a complaint, I returned an item to the merchant by US mail and provided Eagle National Bank did not investigate in a timely manner and USPS does not provide tracking for more than six months online. Eagle National Bank did not explain that they could not locate the number instead told me they needed a tracking number. How am I supposed to know the tracking number expired?",,Consent provided,Web,2017-01-21,Closed with explanation,Yes,,CR2302329,3920
2017-01-21,Credit card,,Billing disputes,,"I purchased a bed from XXXX XXXX and called the owner XXXX and informed him that the bed was too hard and uncomfortable. I asked for a refund and asked him to come and get the merchandise. XXXX from XXXX XXXX stated that he would not give me a refund and asked me to jump up and down on the bed. He asked me to please keep it and give it time. I asked again for a refund and he stated that he does n't give refunds. He stated that he would give me another bed and I informed him that I purchased the softest bed he has. He said just keep it please. I stated that I would call Eagle National Bank and I asked to put a stop on the purchase. Eagle National Bank stated that i had nothing to worry about and they would take care of it from here. On XXXX XXXX, XXXX XXXX called and asked to pick up the merchandise and I called Eagle National Bank and asked if I should give him the merchandise and I was told to do so. ON XXXX XXXX, XXXX. I received a letter from Eagle National Bank stating that they had ruled in his favor. I called Eagle National Bank and the person I spoke with stated that if was a mistake because the money had been applied back to my account and stated that they must have made a mistake. I completed the survery on line that Eagle National Bank sent me. I put what I said in writing and. ON XXXX XXXX, XXXX I received another letter stating the same thing as the letter on the XXXX stated. I called again and I was informed that my case was closed per Visa because I had not responded to two letters that I never received. I also explained that I had spoken with Eagle National Bank on the other occasions and no one informed me that I needed to do anything. I asked how could my case be closed if I never had a chance to receive the information that I needed to do more than give the product back.",,Consent provided,Web,2017-01-25,Closed with explanation,Yes,No,CR2302563,3509
2017-01-21,Credit card,,Convenience checks,,"I used a convenience check I received in the mail in XX/XX/XXXX to transfer a balance to a Eagle National Bank credit card I already had open. My credit line is $ XXXX and the check was for {$2700.00}. The Eagle National Bank fraud dept called me on XX/XX/XXXX to verify I had signed and sent the check, which I had, and they said it would clear. The same day they denied payment on the check and put a letter in the mail to me, which I did not receive until XX/XX/XXXX, stating the check was rejected because the "" signature did not match ''. I ALWAYS sign my signature the same way using my first initial, my full middle name, then my full last name and though I have never written a check to this account before I was not informed on the phone about the signature being an issue - they assured me "" everything was fine ''. Subsequently after the checked bounced the other credit company charged me {$25.00} returned check fee. I suspect this also put a ding in my credit with them. I called Eagle National Bank and requested they refund me the {$25.00} but they denied any wrong doing, despite there being a written record of them speaking to me and approving the check. They said I could resubmit the check within 10 days and they would honor it but would not compensate me for their negligence in the spirit of "" protecting me against fraud ''. This horrible customer service cost me {$25.00} and a day missed at work due to a XXXX and they do n't seem mind the trouble it caused me at all.",,Consent provided,Web,2017-01-21,Closed with monetary relief,Yes,No,CR2300951,504
2017-01-21,Credit card,,Rewards,,My Eagle National Bank XXXX XXXX card recently revamped their rewards program. Essentially the way it was explained to me was that they were making the redemption requirements more stringent and only beneficial after a certain amount ( XXXX ). Any rewards withdrawal before that threshold would receive less bonus. My credit card rewards have been changed and the changes only benefit the credit card provider not the consumer. My only recourse is to pass the XXXX point threshold in order to receive my normal bonus ( that previously was available to me at anytime ) then close my card and find a card with a provider that is designed to benefit the consumer not the provider.,,Consent provided,Web,2017-01-21,Closed with monetary relief,Yes,,CR2302805,1797
2017-01-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Eagle National Bank authorized XXXX payments of {$1400.00}, to a school debt collector. This was done after I called and explained to the bank I do not want it authorized, do not release any funds to them. However the bank let this school debt collector take the funds from my account/debit card twice. Meanwhile that I closed both the account and card days prior, because I was advised to, by a Eagle National Bank representative. The account that I reported was tampered with serval times before. Also it was explained to me, the compromised account was in no check status and taken care of. Now the bank is saying, that I authorized the payments. I reached out to the debt collector and they explained to me, the bank released the payment. Eagle National Bank had the collector, Account Control Technology, send me a letter, stating I must sign to prove I authorized the payments, when I did not. I did n't sign anything. I brought this form to a Eagle National Bank, to attach to these payment disputes I filed. This is the proof that I never authorized any payment to be made. Eagle National Bank suggested that I close the card and account because it was compromised. Now I 'm over drawn. They have me over drawn & now the took money from my other checking account and sent it to the one being disputed. This account that they told me was secure and setup for direct deposit, they took that money and applied it to the negative. Then told me it 's nothing they can do, because the account ca n't go into no check status, that it is in fact not closed now. I 've been dealing with this issue since XXXX XXXX. My dispute is not resolved for these wrongful charges.",,Consent provided,Web,2017-01-30,Closed with explanation,Yes,No,CR2302172,1580
2017-01-21,Credit card,,Billing disputes,,,,Consent not provided,Web,2017-01-21,Closed with explanation,Yes,,CR2302326,3066
2017-01-21,Credit card,,Transaction issue,,,,Consent not provided,Web,2017-01-25,Closed with monetary relief,Yes,,CR2302331,4628
2017-01-21,Credit card,,Late fee,,,,Consent not provided,Web,2017-01-21,Closed with explanation,Yes,No,CR2302711,2588
2017-01-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-21,Closed with explanation,Yes,No,CR2302601,11943
2017-01-20,Bank account or service,Checking account,Problems caused by my funds being low,,"Have had several issues with Eagle National Bank on their processing of payments. Had made purchases and what they do is hold the purchases and when a big transaction comes in they pay that out first and then I overdraft on all the other purchase resulting in multiple overdraft fees. contacted the bank several times and was told that is how they conduct transaction processing, Even though the other items were presented the night before they process checks first and then ACH transactions. Explained to them that is not fair to Consumers because they are taking advantage of them with all the fees.",,Consent provided,Web,2017-01-20,Closed with monetary relief,Yes,No,CR2302204,4073
2017-01-20,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited XXXX in certified funds to my personal checking account @ Eagle National Bank on Friday XXXX XXXX @ noon. EN is still holding XXXX of the money back, I called and the repoXXXX XXXX told me it was because I did not endorse the back of the check. Since 2012 I have been depositing hundreds of thousands of dollars in check for to EN thru the ATM and not one of them have ever been endorsed. EN allows you to scan the front of a check on your phone and deposit it. So the fact they are telling me they are holding the XXXX back because I did not endorse the check can not be true. Because they are holding these funds back I am now today negative XXXX in my account and XXXX checks are going to be returned NSF. Transaction layer mazuma credit union BILL PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX Processing Transaction layer XXXX XXXX PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX Processing Transaction layer ACH HOLD IRS USATAXPYMT ON XXXX activity type debit status type icon pending Processing. Select to mark activity type debit XXXX ACH HOLD IRS USATAXPYMT ON XXXX as Reconciled XXXX XXXX Processing Transaction layer XXXX XXXX XXXX XXXX XXXX PAYMENT activity type debit status type icon pending Processing. Select to mark activity type debit XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT as Reconciled XXXX XXXX How can a bank hold certified funds for 9 days and send me into a negative balance and my checks to be returned?",,Consent provided,Web,2017-01-20,Closed with monetary relief,Yes,No,CR2299725,259
2017-01-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I traveled on vacation from from XXXX to XXXX & XXXX from XX/XX/XXXX -- XXXX. While away, I received a text alert on XX/XX/XXXX ( see attached ) asking me to verify that I attempted XXXX specific, recent transactions. I responded "" yes '' because I did attempt those transactions. ( XXXX arose out of concessions purchases at a hockey game and the XXXX was a restaurant charge ). The transactions totaled less than {$100.00}. 
When I returned from the trip, purely as a precautionary matter, I logged on to my Eagle National Bank ( "" B of A '' ) on-line banking. This was either XX/XX/XXXX or XX/XX/XXXX. I wanted to see how much I had in my account. It was then I noticed XXXX ( and possibly XXXX ) charges that I had not authorized. I immediately contacted B of A 's fraud dept and provided all information that I thought was relevant and answered all their questions in the process of filing a claim. I told them that the following charges were definitely fraudulent : XX/XX/XXXX {$1500.00} PMNT SENT XXXX Visa Transfer XX/XX/XXXX {$1000.00} PMNT SENT XXXX XXXX XX/XX/XXXX {$1400.00} PMNT SENT XXXX XXXX XXXX . / XXXX XXXX {$1000.00} PMNT SENT XXXX XXXX XXXX XXXX ( I do not know anyone named XXXX XXXX, nor have I ever authorized any expenditures for or transfers to her ) I also informed them of a possibly fraudulent XXXX transaction : XX/XX/XXXX $ XXXXPMNT SENT XXXX XXXX XXXX ( I included this because I saw the name XXXX ). 
When I hung up after filing the claim, I felt that there was insufficient measures taken to protect the rest of my money in my account. I suggested to them that they cancel my debit card and prevent any further wire transfers from my account. I was also told I would receive provisional credit within 10 business days. 
During those 10 days, I placed several TC 's to B of A to check on the status of the claim. Yesterday ( XX/XX/XXXX ), I was told that the provisional credit would be applied by XXXX on XX/XX/XXXX. This morning I looked and the credit was not there. 
I called today and was told the claim was denied because : ( 1 ) I was text alerted to "" suspicious '' activity which I authorized ; ( 2 ) the fraud occurred in a 9-day time span ; and ( 3 ) the fraud stopped immediately after it was reported. 
I begged B of A to re-open the claim and revisit the grounds for the denial. They told me they did not even know the specifics of the text alert they sent me which they presumed was my authorization of the the exact fraudulent expenditures which were the subject of my claim. 
I am shocked and sickened that B of A cited my text authorization of XXXX legitimate, unrelated expenses totaling less than {$100.00} in support of its denial of my claim for {$5000.00} of fraudulent activity. Also, there was nothing indicating the XXXX suspect transactions referenced in the text alert were "" suspicious. '' It appeared to me that the alert was generated simply because they were purchases out of my home state of XXXX. Therefore, I had no reason to be suspicious of any malfeasance with my account. Under these circumstances, that B of A would hold the duration of the fraudulent activity ( approx. 9 days ) against me when evaluating my claim is also upsetting. 
I NEED this resolved ASAP. They told me a fraud manager would re-evaluate my claim by next Tuesday ( XX/XX/XXXX ), but that I could not contact that person or anyone evaluating my claim. I can not wait much longer for this process to resolve. I have a mortgage to pay, child to feed, and other bills that need attention. 
What they have done is, at the very least, negligent. It is becoming increasingly clear that they simply want to avoid paying a legitimate claim.",,Consent provided,Web,2017-01-20,Closed with monetary relief,Yes,No,CR2301698,1851
2017-01-20,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Re Eagle National Bank : I used to be able to go online to make an "" extra '' mortgage payment dedicated specifically to PRINCIPAL ONLY. That ease of option has been removed and now only the "" standard '' payment option ( which includes bank interest ) is available online. I 'm trying to pay down the principal whenever I can, but now they expect me to physically go into a branch or physically write a check telling them that the payment is to go to principal only ( not any interest ). It 's ridiculous when I can do everything else online but not pay down my principal ... it 's a huge impediment and against consumers! They are making it more difficult to pay down the principal on a mortgage so they can be sure to collect the interest.",,Consent provided,Web,2017-01-20,Closed with explanation,Yes,No,CR2301152,2853
2017-01-20,Bank account or service,Savings account,"Account opening, closing, or management",,XXXX has TAX SHELTER ANNUITY ( XXXX ) with XXXX account XXXX with the XXXX as the custodian. This Bank was renamed to XXXX BANK ( XX/XX/XXXX ) then to XXXX ( XX/XX/XXXX ) then to XXXX BANK ( XX/XX/XXXX ) then to Eagle National Bank. Eagle National Bank can not locate this account,Older American,Consent provided,Web,2017-01-24,Closed with explanation,Yes,No,CR2301725,3845
2017-01-20,Credit card,,Late fee,,"Eagle National Bank charged me a late fee because my credit card payment did not clear by the due date of my monthly bill, despite the fact that I had automatic payment set up with the option checked "" Pay to arrive on due date. '' The phone representative who I spoke with said that this option did not account for possible lags in the funds transfer between banks, which could take up to 72 hours. However, there was no warning on the automatic payment screen on their website that indicated this.",,Consent provided,Web,2017-01-20,Closed with monetary relief,Yes,Yes,CR2296588,1377
2017-01-20,Credit card,,Identity theft / Fraud / Embezzlement,,I have a fraudulent credit card in my name With Eagle National Bank without my permission,,Consent provided,Web,2017-01-24,Closed with explanation,Yes,,CR2295955,5376
2017-01-20,Credit card,,APR or interest rate,,"I made a balance transfer awhile back for a 0.0 % interest rate until XX/XX/XXXX with Eagle National Bank. I owe {$7700.00} of XXXX on it. I have not used it for purchases for many years. I 've made payments by auto-deduction from EN. I was stuck at the last minute for a business trip and bought an airline ticket, XX/XX/XXXX. As soon as I was reimbursed, I paid it to the credit card. Since then, I kept having missed payments, and the minimum payment was always very different. Today I made another call to them, and was told I have 10.49 % interest on my airline ticket purchase. I said I thought the payments went to the highest interest rates first. He told me since the government has changed the credit card regulations ( or something like that ) the opposite was true. Is this true?",,Consent provided,Web,2017-01-20,Closed with explanation,Yes,No,CR2301242,3283
2017-01-20,Credit card,,Rewards,,"I used one of the cash back deals from Eagle National Bank ( EN ) that requires me to spend 2x {$15.00} at XXXX to get {$75.00} dollar cash back. After fulfilling that requirement within required dates, EN is denying me the cash back. I have attached my proof of purchase at XXXX and the exact terms listed in the offer for reference. Terms part 2 is from opening the link from second to last sentence of terms part 1",,Consent provided,Web,2017-01-20,Closed with monetary relief,Yes,No,CR2301726,2561
2017-01-20,Credit card,,Other fee,,"I would like to make a complaint against XXXX and Eagle National Bank. XXXX charged me {$10.00} a month for a daycare service which I did not use. They did this for 14 months for a total of {$140.00}. I never agreed with them to charge me or take money out of my Eagle National Bank credit card. I do have an account with XXXX for gym services only. However, I never agreed to be charged for the daycare which they just added without my permission. I notified Eagle National Bank and they would not reverse the charges so I would like to complain against them as well.",,Consent provided,Web,2017-01-20,Closed with monetary relief,Yes,,CR2300851,2547
2017-01-20,Credit card,,Billing disputes,,"On XX/XX/2016, someone acquired my credit card number and my personal information to purchase XXXX, at XXXX XXXX XXXX, Florida XXXX and then had the order smipped XXXX XXXX,,, ,,XXXX, XXXX XXXX XXXX XXXX and had it billed to me XXXX XXXX XXXX XXXX, Florida XXXX XXXX. It was charged to my XXXX card ending in XXXX.",Older American,Consent provided,Web,2017-01-24,Closed with monetary relief,Yes,No,CR2300271,4060
2017-01-20,Bank account or service,Checking account,Problems caused by my funds being low,,"I am a XXXX who was looking for a job on my university 's job net and I came across a job that seemed legit. Therefore I applied for the job by sending my resume to the email on the page and I heard back from him two days later. He had my information from my resume and mailed me a check and told me to deposit it into my checking account and to let him know when the funds cleared. As a college student seeking a job to support myself, I went ahead and did so. However, something told me to go into EN location and speak with someone to see why the fund was taking so long to clear. They told me the check was fraudulent. That is when I reached out to the person and they began ignoring my calls. Eagle National Bank made {$100.00} available and I withdrew that. I was a new customer as of XX/XX/2017 so I was unaware that Eagle National Bank even did that. Due to this bounced check that this person sent to me I now owe Eagle National Bank {$150.00} for an overdraft. However, when I opened this account I told the lady that worked with me that I wanted to be protected from overdrafts and she obviously was not listening and did otherwise. I filed a police report and spoke with district attorney and they both told me there is no reason why Eagle National Bank can not waive these fee 's and found it more inconsiderate that I am a student who is not working and can not afford to pay this fee. I went into a EN location on XX/XX/2017 and the teller told me I am still responsible so I went in again on XX/XX/2017 and the manager told me the same thing.",,Consent provided,Web,2017-01-20,Closed with explanation,Yes,No,CR2300263,58
2017-01-20,Credit card,,Customer service / Customer relations,,"I have had a credit card with Target since XXXX I have been late XXXX time since XXXX which was XXXX XXXX. I called on XXXX to say I would be late and that I would make my payment on XXXX because my credit is very valuable to me. 

I called to make my payment on XXXX ( The payment was due XXXX ) and to ask that the late fee be removed as a courtesy since I 've had an account since XXXX and had never been late. 
I found out that yes, they would remove the late fee but I have been over my credit limit by over {$1000.00} since XXXX XXXX and they have been reporting that to the credit bureau. I asked how I could I be over my limit and still be able to use the card? I was informed that the company allows good customers to go over the limit!! I told them I had NEVER heard of such a practice and I am furious that I was allowed to go over and was being reported. I was under the impression that I received a credit line increase in order for me to use my card. Had I known that I was over my limit and being reported I would not have gone over my limit. Again, I 've been a member in excellent standing since XXXX and did not think anything like this was possible.",,Consent provided,Web,2017-01-20,Closed with explanation,Yes,No,CR2301289,4588
2017-01-20,Credit card,,Delinquent account,,,,Consent not provided,Web,2017-01-20,Closed with explanation,Yes,,CR2299843,557
2017-01-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-20,Closed with monetary relief,Yes,,CR2296641,197
2017-01-20,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-01-20,Closed with monetary relief,Yes,,CR2301849,10960
2017-01-20,Bank account or service,Checking account,Deposits and withdrawals,,,,Other,Web,2017-01-25,Closed with explanation,Yes,Yes,CR2300539,70
2017-01-19,Bank account or service,Checking account,"Account opening, closing, or management",,I had and account in2009 with Eagle National Bank that closed. The account was closed because of a check that I received that I deposited but had no idea it was fake. However I paid the bank back and now they are saying I ca n't open another account.,,Consent provided,Web,2017-01-23,Closed with explanation,Yes,No,CR2295763,11147
2017-01-19,Bank account or service,Checking account,Problems caused by my funds being low,,I have a checking account with Eagle National Bank. The bank overdraft my account by issuing an overdraft fee when my account shows there was money in the account covering the purchase. The phone representatives were very rude and had XXXX excuses why the bank would put a false overdraft fee on my account. It appears they somehow switched the processing of transactions so that they could overdraft my account.,,Consent provided,Web,2017-01-19,Closed with monetary relief,Yes,No,CR2295773,1318
2017-01-19,Bank account or service,Checking account,Using a debit or ATM card,,"I tried taking out money at an atm but it did n't let me {$600.00} instead it blocked my card and it said to contact my bank for this matter.this happened after work around XXXX. So I have my mobile bank app I go paperless..I open my app and first thing that pops is a alert saying if it was me trying to take out money at a near atm..so I pressed yes, this after me going back home. After I press it i t takes me to my bank balance where I see that automatically it debited XXXX which I never even took out. I called right away after an hour on hold I get a Eagle National Bank person to help me..he tells me the card is now ready to use, I say ok what about the money? He says it should be credited within 48 hrs, so I check the following day, nothing. Until the second day I check and it got erased from my statement history like it never happened but the total is the same as when it was deducted. I call right away and they say they credited back and it was cleared because it was done so it had n't happened but I told them the balance is still XXXX less she said is not, I told her I knkw the total I had before the XXXX were deducted. XXXX I was asked if I wanted to open a claim I said yes, so they credited the XXXX temporarily until the investigation took effect, a month later I receive a letter that it was denied after being investigated and that the money was going to be reversed, I call the bank again very disappointed and mad, and tell them about the situation again they said XXXX case is closed I ca n't do anything about it anymore, I said how is that I ca n't just loose XXXX just like nothing, I 'm a single mom of XXXX and XXXX is almost a whole paycheck for me, she said sorry I ca n't help you she said only I can help by moving the date of the money being reversed back to a month away, I was like moving the date or not is not going to give me back the money I lost..I do n't know what else to do I am very dissapointed, sad, upset..I have bills to pay and my schooling as well, I hope you can help",,Consent provided,Web,2017-01-19,Closed with explanation,Yes,,CR2296553,2092
2017-01-19,Bank account or service,Checking account,Problems caused by my funds being low,,"I was charged XXXX overdraft fees in the amount of {$70.00} on XXXX/XXXX/17 for XXXX charges which I had enough funds in the account to cover those charges. When I called today to get credit, the Supervisor said no..",,Consent provided,Web,2017-01-19,Closed with monetary relief,Yes,No,CR2295321,363
2017-01-19,Credit card,,Credit line increase/decrease,,"Eagle National Bank reduced my credit limit on XXXX cards. XXXX XXXX I called in, talked with an agent and made {$100.00} payment on each XXXX cards. Normally I use automated system but did not have cards with me so spoke with agent who looked up the accounts. She did not once state the minimum payment due. XXXX XXXX I received an email from EN stating that XXXX account is late and my credit line is reduced on both accounts as of XXXX XXXX. Payment on XXXX account was {$7.00} less than minimum due. I called EN XXXX, was transferred 4 times and finally spoke to rep who stated she can see that error occurred and is EN fault. She reversed the late fee and entered a dispute requesting full restoration of my credit line. The case # was XXXX. I called back XXXX to check status and again was transferred over 5 times and finally to escalation dept. I spoke with XXXX XXXX and explained the issue that I would have paid the {$7.00} more if I had known. She said it is my responsibility to know how much is due. I immediately requested someone else and she gave me to XXXX XXXX. XXXX repeated much of the same. I requested that she listen to the call of XXXX XXXX ; she said that was not possible. I requested to talk with a senior VP and she forwarded me to XXXX XXXX. XXXX said he would listen to the call of XXXX XXXX ; he said I would still have to request increase but he could "" go in thru the back door & remove the inquiry from my credit report ''. I called back XXXX talked with XXXX XXXX who said XXXX was not in but he can help. XXXX then stated that XXXX had listened to the call and found that the rep applied the payments I as I requested. I asked if the rep had told me the minimum due and XXXX said she is not required to. I told XXXX the deceased limit would have a negative affect on my credit bureau. He stated the same process apply to anyone who miss paying the minimum. When I asked if he 's sure that 's always the case for any customer who pays a few dollars less, he said he can not be sure. After much of his redundant discussion I stated the resolution I want : EN to reverse the action it took against my credit ; that there is no additional risk to my ability to repay due to {$7.00} short of minimum. I have since paid {$8000.00} total on the XXXX cards. Case # XXXX. 
I received EN letter in mail XXXX stating reasons as # accounts with balance, limited deposits, pattern of payment. All existed at the time credit was awarded and increased. As of XXXX, I have fewer accounts with balances, EN never required minimum deposits for card accounts and is not my primary bank and use of cards is 100 % for promo on balance transfers only which has helped me to pay off many other accounts. I pay minimum till promo matures then pay card balance. I paid {$4000.00} on each card XXXX. I have over 12 years credit history with EN : mortgage, XXXX checking, savings, XXXX credit cards. Never late once. I have requested a phone number to XXXX XXXX CEO 's office and was told there is no number for customers. I was given mailing addresses instead. This is the most disgusting and disappointing treatment I have ever received from any creditor. What I thought would be an easy fix has turned into a horrible nightmare. If {$7.00} is the extent of my value to EN, then EN is not worth the hundreds of thousands of credit I have vested in them. I will move my accounts from EN with all deliberate speed.",,Consent provided,Web,2017-01-19,Closed with explanation,Yes,No,CR2299208,474
2017-01-19,Credit card,,Bankruptcy,,"I had a bankruptcy and had a judgement taken care of within the BK, now Eagle National Bank is refusing to release the lien they placed against my house for this judgment.",,Consent provided,Web,2017-01-19,Closed with explanation,Yes,,CR2297586,4231
2017-01-19,Credit card,,Billing disputes,,"I had recently moved to XXXX and was not able to make a payment back in XXXX, I called the company and was told that I must make a payment first before they would be able to reverse any payments or change the report to the credit bureau. I was instructed to call two days later after the payment was posted, and I did to which I was told that nothing could be done because I was over two months late. To make sure I would n't miss another payment I asked the representative explicitly to setup autopayment for my minimum balance. It was my understanding that the autopayment would have fluctuated as the minimum balance was increased. 
Fast forward to XXXX/XXXX/2017, I always checked my bank to make sure the payment was taken out, but when I checked my credit score I saw that it had dropped significantly due to being late three months. I called Eagle National Bank and talked to a representative which told me that the information which was given to me back in XXXX was false and that they could in fact change the credit history even after two month and they would be able to fix both issues after I had made a payment, he also mentioned that they have no record of me talking to a manager two days later. I still have the phone records if needed. 
Again I called two days later and was told once more that nothing could be done other then only one late fee being retracted. I asked to talk to a manager and somehow I was connected to the same manager from XXXX which told me she would not be able to do nothing once more.",,Consent provided,Web,2017-01-19,Closed with monetary relief,Yes,No,CR2297599,10479
2017-01-19,Credit card,,Other,,"I made application with Eagle National Bank for a credit card on XXXX.I have a fraud alert in my account and called the bank at XXXX XXXX at XXXX XXXX XXXX to confirm that they had not called me at the XXXX XXXX XXXX number on my account to continue the application. the line is a land line number.I was also given another number to call XXXXwhich I called on XXXX XXXX at XXXX XXXX and XXXX. I was told that I needed to call thebank from the phone number. I was having problems with my internet connection ( my land line works via the internet and I was able to recieve calls via voice mail but I was unable to make any calls..I also called another number that was provided to me XXXX XXXX XXXX at XXXX on XXXX XXXX and XXXX on XXXX XXXX. On the XXXX I made the change with the credit bureaus to list my cell number of XXXX XXXX XXXX on my credit reports since it was going to take several days to get the land line connection fixed. 
on XXXX XXXX I was told by Eagle National Bank that the credit card was approved. I WAS NOT told that they had run XXXX credit reports. I WAS VERY CLEAR that only XXXX credit report ( hard hit ) was to be pulled.Now on my credit reports it is showing Eagle National Bank made XXXX hard hit inquirys on my credie report on XXXX XXXX and XXXX to XXXX and XXXX on XXXX XXXX to XXXX. This is so wrong! my credit score is excellent with all XXXX bureaus and making application for a credit card should not require XXXX hard hit inquirys. To be penalized because I have a fraud alert with the credit bureaus is wrong!. I spoke with a representative from Bank of Ameical yesterday ( XXXX ) she told me I authorized the additional inquiry and it would not be removed. I told her that was not true and the XXXX additional inquirys needed to be removed. I told her I wanted the record to state that I did not authorize the additional inquirys. she told me she would not add this to the file. This si so wrong. Eagle National Bank has done this in the past. They are very casual when it comes to making hard hits on peoples credit reports. I was very clear that no additional hard hits were allowed. They record their messages and should backtrack on the conversations I had. The hard hits will lower my score and this in turn will affect what I pay on the XXXX insurance policys I have. I want the XXXX hard hits removed or to be reimbursed for the increases that I will oncure with my insurance going up.",,Consent provided,Web,2017-01-19,Closed with non-monetary relief,Yes,No,CR2299076,793
2017-01-19,Credit card,,Closing/Cancelling account,,"This is a supplemental complaint ( in reference to CFPB complaint number XXXX ). I just received an email from Eagle National Bank asking me to settle the debt again. This debt was supposed to already be settled, and now this company while reporting that they are looking into the inconsistencies of my account and requesting a 60-day extension they are trying to settle the debt a second time for the remaining amount that was already settled. 

This company completely disregarded my concerns and my initial complaint and attempted a round-about way to try and obtain more money from me, money for the difference in amount of the first settlement. Additionally, this company charged off my account - after settlement for {$3800.00} less than what was previously owed. Now they are trying to settle the settlement difference, while my account is still charged-off and negatively impacting my credit score unjustly. 

My credit report shows that this bank credit card account closed on XXXX XXXX, XXXX as part of a telephone conversation with a collection agency to settle the debt. They offered a payment of settlement and assured that the debt was be paid in full. I now see that it was n't and that this particular bank has also misstated inconsistent statements across a few reporting agencies. I have found that with XXXX they show that I made no payments from XXXX XXXX to XXXX XXXX, and my account magically went into good standing XXXX XXXX and up to XXXX XXXX, until I was "" delinquent '' again and charged off XXXX XXXX. 

However with XXXX it shows that this account was closed XXXX XXXX ( consistent with settlement talks ), but the last payment received was XXXX XXXX. This is highly inconsistent with what they reported to XXXX. I am also wondering how payments and delinquencies can be made on a closed account dated before additional changes were made to the account.",,Consent provided,Web,2017-01-19,Closed with non-monetary relief,Yes,Yes,CR2295254,12095
2017-01-19,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I am writing to you in regards to lost EN gifts cards and my inability to get proper customer service from the XXXX bank branch and from Eagle National Bank telephone customer service. On XXXX XXXX, XXXX, I bought {$2000.00} worth of gift cards from Eagle National Bank located in XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. Unfortunately, I lost XXXX cards ( XXXX for {$100.00} and XXXX for {$50.00} ). I immediately called EN customer service to report the lost cards. They said that they would put a "" freeze on them ''. After a great deal of time and effort and many phone calls, I was told that I could go to any branch and get replacement cards or a return of my money ( {$150.00} ). When I went back to EN, the manager and another office worker said that they do n't return cards/money. In fact, they had no idea of the procedure when someone loses a gift card. They proceeded to call various numbers for information. They were put on hold for long periods of time. They asked me to come back. I returned hours later and they still did not know how/when I would be refunded. Eventually they said I would be mailed XXXX new cards. I went home and called customer service again, and they confirmed that I would receive the cards in 2 weeks. I have been calling EN customer service since XXXX and each time I call, I get a different answer as to how I will get my money back. It seems no one understands the policy involving lost EN gift cards. Yesterday ( XXXX/XXXX/XXXX ), I received a call from the manager of the XXXX bank and he asked me if I had "" registered the giftcards ''? I had no idea what he was talking about. He said that, "" If you had registered the giftcards, then we "" could '' have given you your money back. '' However, it is not our policy to give the money back unless they are registered. I purchase these cards every holiday season for gifts. In fact, I buy {$2000.00} worth of cards each year. NEVER has anyone ever suggested that I register these cards in case of lost. I am so frustrated and disappointed in the lack of professionalism and knowledge that the manager and staff display at EN. I have invested a lot of time and effort in trying to rectify this problem, and the "" run around '' treatment I have endured over the past 3 weeks is disgraceful. And to make matters worse, I have now been told that I will not be refunded for the cards.",,Consent provided,Web,2017-01-19,Closed with monetary relief,Yes,No,CR2298041,3657
2017-01-19,Bank account or service,Savings account,"Account opening, closing, or management",,"I had a insurance check that I deposited in my Eagle National Bank checking account and once it cleared I transferred the money to my Eagle National Bank savings account. I was making purchases to replace items stolen from my home. As I was making the purchases I would transfer the money from my savings to my checking account. I made several transfers because I did n't want to keep the money in my checking account. Today I was checking my online statement and notice nine Excess Tax Fee 's @ {$9.00} a piece applied to my savings account. When I contacted Eagle National Bank I was advised by the customer service rep. that the Excess Tax Fee was a Federal regulation and it 's nothing he can do. I explained to the gentleman that I had no knowledge of the fee and he reiterate what he just explain to me. What is so troubling about the whole thing is that when I reached the maximum number of transactions before the Excess Tax Fee was charged to my account, the online system never gave me a warning that I have exceeded the six transactions and a fee will be applied. Consumers should be notified that regulation is in place. I have never heard of this until today.",,Consent provided,Web,2017-01-19,Closed with monetary relief,Yes,No,CR2293620,3344
2017-01-19,Credit card,,Other,,,,Consent not provided,Web,2017-01-19,Closed with non-monetary relief,Yes,No,CR2296558,780
2017-01-19,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-01-19,Closed with explanation,Yes,,CR2294617,2732
2017-01-18,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank is shifting transactions in order to make you go negative or negative multiple times. I have printed up my account history just to show you an example but they processed a transaction on XXXX XXXX then lifted the transaction and processed again today XXXX/XXXX/2017 to make me go negative, what they do is reverse small transactions when a larger one appears so the larger will put you in the negative, then they charge the smaller again. when if they simply charged the original smaller transactions you would not go negative because the larger would be denied. but, they have developed an algorithm to make sure no matter what you go negative when the opportunity arises to deny a charge. with this they do not give you any time to pay of the negative account balance before they charge your account. this has been happening for months but unless you literally print up your account statement every day it is next to impossible to have proof because they delete all previous transactions. they are literally stealing from me and making sure it happens on a monthly basis.",,Consent provided,Web,2017-01-18,Closed with explanation,Yes,No,CR2293682,8726
2017-01-18,Bank account or service,Checking account,Using a debit or ATM card,,Before planning a trip to XXXX My daughter contacted Eagle National Bank to inform them if they see any activity on her debit card from XXXX XXXX thru XXXX XXXX do n't be alarmed it will be her using the card and please do not block usage on this account. She was told by Eagle National Bank it had be noted in her account and It was fine. Well just what she did n't want to happen did. The first time she tried to use her card it was declined. My daughter called in a panic. She was alone and stranded cause you can not use cash for XXXX. I called Eagle National Bank to see what the problem was and they stated it was a security check. Eagle National Bank also stated they did see noted in her account the travel plans and again it was just a security check I was upset because my daughter was alone and stranded. Eagle National Bank apologizes and lifted the hold. However it went downhill from there. For the next three days while there my daughter called frantic and crying because she could not use her card time and time again for safe transportation and continued to be stranded. Three more incidents occurred and I had to call Eagle National Bank very upset and finally they lifted the security on her card. I do n't understand how a bank feel it 's okay to keep someone from using their own money. This was not a charge card it was a debit card.,,Consent provided,Web,2017-01-18,Closed with explanation,Yes,No,CR2291753,1151
2017-01-18,Bank account or service,Checking account,"Account opening, closing, or management",,"I had opened a new checking account with Eagle National Bank in XXXX of XXXX. Upon opening the account, I was advised that I would receive a bonus of {$300.00} if I met the requirement of a total of {$4500.00} in direct deposits made to the account within the first 90 days of opening the account. I met the requirements and did not receive the promotion after approximately 60 days after meeting the requirements. I reached out to Eagle National Bank 's customer service and was advised that they saw I met the requirements, and it would just take a little more time to receive the promotion. After about another 4 weeks I called back and was advised that I would receive the promotion, I would just need to wait more time. 

After several contacts with Eagle National Bank, and ample time to receive the promotion, I contacted customer service on XXXX XXXX, XXXX. I was advised that I will not be receiving the {$300.00} promotion, regardless of being advised previously that I met all qualifications.",,Consent provided,Web,2017-01-18,Closed with explanation,Yes,Yes,CR2294064,1881
2017-01-18,Bank account or service,Checking account,Problems caused by my funds being low,,"I'be submitted a complaint about how deceptive this bank is now charging me overdraft fees for transactions that do not match my transaction history, now all they can tell me is that they ca n't do anything about it. I am sick of this bank, and sick of filing complaints and playing phone tag with its representatives. I just got off the phone with XXXX a customer service associate and as per usual I was told the same thing I have always been told ; "" There 's nothing I can do ''. When I asked for her name, she refused, so I asked for a manager and spoke to XXXX, and I asked for her associates name XXXX. I ask XXXX NOT to waste my time by trying to prove me wrong, I asked her NOT to be disrespectful and speak over me, and she did both. I am opening an account under my mattress, I 'm SICK OF DEALING WITH A DECEPTIVE BANK!!!!!!!!!! 

I just want my {$70.00} fees waived asap.",,Consent provided,Web,2017-01-18,Closed with monetary relief,Yes,No,CR2294430,3686
2017-01-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"In XXXX 2016, I had three credit card accounts with Eagle National Bank. I was using the option of recurring payments with two of the accounts. The third account had zero balance. I always made all of my payments on time and I never had any issues with Eagle National Bank. In XXXX 2016 I began receiving various letters from other creditors informing me that my accounts were either being closed or the credit limit amounts were being reduced. I could not understand what was happening because I always paid my bills on time and I had never had any issues with none of my credit card accounts. I finally found out that Eagle National Bank had closed out all three accounts and reported that I had not made any payments for three months, all the while they were taking payments out of my checking accounts. When I contacted them, a representative said that the minimum amount had been raised on one of the accounts and that is why everything is showing non payment, when in fact they were still deducting money from my checking account. Eagle National Bank has caused me great harm because of them my credit status with my previous credit card accounts are gone and I am considered as a credit risk. This is not fair because no one from Eagle National Bank informed me of anything. No one called or sent me any statements telling me what the problem was. This was their mistake and they should be held accountable not me. Is this what happens when you make your payments on time and never have any issues? PLEASE HELP!!!!",,Consent provided,Web,2017-01-18,Closed with monetary relief,Yes,No,CR2293307,1000
2017-01-18,Bank account or service,Checking account,Problems caused by my funds being low,,"On XXXX Eagle National Bank posted my daily transactions so that the largest one was processed first resulting in my incurring 4 overdraft fees instead of one and 4 CREDITORS NOT PAID INSTEAD OF ONE. Had they posted the smallest first I would have incurred one overdraft and one creditor not paid. 

If I recall they lost a huge class action over this practice yet they continue to do it. This is nothing but an OBSCENE.money grab ... it is disgusting and outrageous. 

This was also amid an incoming wire transfer that was sent by a XXXX party to me on XXXX, but for some reason they dont process until THE SECOND BUSINESS DAY AFTER A HOLIDAY???????",,Consent provided,Web,2017-01-18,Closed with monetary relief,Yes,No,CR2293477,6359
2017-01-18,Credit card,,Transaction issue,,"I made a payment to Eagle National Bank from a checking account ( XXXX ) that I am not actively using, thus the account did not have sufficient funds for the payment. I contact BOFA on XXXX/XXXX/17, a day after I made the payment and realized my mistake, and asked them to cancel the transaction. They advised me on the phone at that time that the payment from the XXXX account would be reversed. During the same call I also made a payment over the phone with my new checking account ; that payment was immediately processed. 
On XXXX/XXXX/17 the initial payment from my XXXX checking account still had not been reversed so i called BOFA again and asked that it be reversed. Their representative again stated that it was reversed. I asked that they send me an email confirmation of the reversal. As of today the payment has not been reversed, no email confirmation has been received, and I am incurring overdraft fees from XXXX as a result.",,Consent provided,Web,2017-01-18,Closed with monetary relief,Yes,No,CR2294901,4308
2017-01-18,Credit card,,Closing/Cancelling account,,"I paid off the balance of my XXXX XXXX card issued by the Eagle National Bank on XXXX/XXXX/2016 ( mailing date ). The amount paid was the total balance and it was paid prior to the due date on the bill. I sent the payment via USPS Priority Mail to ensure it arrived quickly. On XXXX XXXX, 2016 I received another billing statement from Eagle National Bank indicating that I owed {$73.00} for interest charges. On XXXX XXXX, 2016, I mailed a letter via USPS Priority Mail to the Eagle National Bank indicating that I was disputing the {$73.00} amount showing as owed to them. I paid {$78.00} to the Eagle National Bank on XXXX/XXXX/2016 to close out the account. On XXXX/XXXX/2016, I received another billing statement from the Eagle National Bank indicating that I owed them $ XXXX XXXX/XXXX/2016 at XXXX ( Eastern Time ) , I called Eagle National Bank and spoke with XXXX XXXX regarding my dispute of the billing statements. She assured me that Eagle National Bank would issue a credit for {$3.00} and send me a letter acknowledging that the account was now closed. To date, I have not received such a letter and I continue to receive billing statements.",,Consent provided,Web,2017-01-18,Closed with monetary relief,Yes,No,CR2291916,2662
2017-01-18,Credit card,,Closing/Cancelling account,,"My EN card ending in XXXX hastily without warning got closed. My credit card had a 0 % APR promo that I used and I 've been paying my minimum on-time for 5 months. Then all of a sudden EN decided to close my account without warning no call or anything. 

This is unacceptable as a consumer. My letter from them stated only they have the right to close it. There was no exact reason in there. And no chances given. I am a Preferred Client of theres too and now looking for other options unless they reopen my account.",,Consent provided,Web,2017-01-18,Closed with explanation,Yes,No,CR2295491,2502
2017-01-18,Bank account or service,(CD) Certificate of deposit,"Making/receiving payments, sending money",,"I did a check deposit on XX/XX/XXXX in my checking account, I waited 24 hours meanwhile the check was pending for verification. On XX/XX/XXXX the bank gave back the check because had not funds. Also I reported this case to the police because it was a scam related with a supposed training for a new job. The money was sended to do two payments related with the new job duties.",,Consent provided,Web,2017-01-18,Closed with explanation,Yes,No,CR2295358,1559
2017-01-18,Bank account or service,Savings account,Deposits and withdrawals,,"on XX/XX/1997 I closed a Savings Certificate Passbook with an XXXX and had the bank issue me an "" official bank check '' for the amount of {$1700.00} payable to me. I took the closed passbook and the bank check and placed it in a safe deposit box for a rainy day. I came across this check recently and I called the bank, explained the situation and was told by a manager that XXXX was bought out by Eagle National Bank but they should honor the check being the check is an official bank check. He advised me to open a savings account and deposit the check, which I did. Four days later I was told by someone at the bank that the check has expired ( there is no date listed on this check ) and they will not honor the check. The manager told me the money was transferred over to the State of Connecticut Unclaimed Property. I 've checked with State of Connecticut Unclaimed Property Division and they have no record receiving these funds from neither XXXX or Eagle National Bank.",,Consent provided,Web,2017-01-18,Closed with explanation,Yes,No,CR2295347,4623
2017-01-18,Credit card,,Delinquent account,,"Target continues to report outdated information to the credit bureaus. In XXXX my delinquent account was closed and enrolled in a repayment plan, later the creditor charged off the account in XXXX due to filing bankruptcy XXXX. The records of when the account began delinquency are outdated and have been archived so the creditor continues to verify the beginning of delinquency as the charge off date",,Consent provided,Web,2017-01-20,Closed with explanation,Yes,No,CR2294812,2267
2017-01-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2017-01-18,Closed with explanation,Yes,No,CR2293591,3387
2017-01-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,,Web,2017-01-18,Closed with explanation,Yes,,CR2294983,2607
2017-01-17,Bank account or service,Checking account,Using a debit or ATM card,,"Claim Numbers : XXXX XXXX XXXX XXXX Although my mailing address XX/XX/XXXX, was : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX, I resided at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX. 

XXXX XXXX of XXXX XXXX and XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX XXXX , New York XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , New York XXXX XXXX and XXXX XXXXXXXXXXXX, stole my business debit card on or about XX/XX/XXXX or XX/XX/XXXX. They are family members of my ex-girlfriend and were aware of my home being raided by the police, the arrest of my ex-girlfriend and I, nobody caring for our home nor personal effects as of XX/XX/XXXX. Thereby feeling safe in illegally gaining entry into my then home to burglarize it. I was XXXX from XX/XX/XXXX, at XXXX until XX/XX/XXXX, continuously and did not verbally or otherwise authorize the possession nor use of my bank accounts in any manner whatsoever. See enclosed XXXX. XXXX documents. This fraudulent activity was reported to Eagle National Bank by me via mail which was never responded to in or about XX/XX/XXXX, and to a Eagle National Bank representative in XXXX XXXX, New York by my Power of Attorney XXXX XXXX on XX/XX/XXXX, both times within sixty days of its occurrence, but the representatives failed or refused to do anything/make a proper note of it for addressing or reference by the appropriate personnel. An internal complaint has been filed against the XXXX representative as well ( Reference # XXXX ). See also : Federal Trade Commission Identity Theft Complaint Reference # XXXX, XXXX. Complaint Report # XXXX which Detective XXXX XXXX, XXXX or XXXX, is investigating, XXXX.Case Number XXXX which identity theft and fraud investigator XXXX, XXXX, is investigating, and Eagle National Bank 's credit department also granted my claims surrounding the other fraudulent crimes I have been a victim of by the same above mentioned individuals. 
I have contacted numerous Eagle National Bank Associates and Supervisors whom have failed or refused to properly investigate this matter for its proper resolution. For they have not even contacted me requesting any documentation in support of my claims or otherwise so as to conduct an in depth inquiry. Instead they have continued to deny my claims summarily. This despite the fact that my Bank Account could not have been closed by any third party without any Power Of Attorney irregardless if they do not have it on file through some obvious error of theirs. Therefore making it evident that they were in fact on timely notice of the fraudulent activity but failed to act through their own ineptitude. It should also be noted that my Debit card had a photo of me on it as a security feature but such was not used for my protection when fraudulently used. 
Your time and help in the proper resolution of this matter will be greatly appreciated. 
Cordially, XXXX XXXX",,Consent provided,Web,2017-01-17,Closed with monetary relief,Yes,,CR2291008,3285
2017-01-17,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited a check in the amount of {$4500.00} on XX/XX/XXXX. The receipt from the atm said my deposit would be available on XX/XX/XXXX. I go a letter in the mail from Eagle National Bank on XX/XX/XXXX which is dated XX/XX/XXXX saying the available date was changed to XX/XX/XXXX and the reason is "" a hold was placced on your check because check specific information indicates item may be returned ''. I contacted the bank on XX/XX/XXXX several times to find out what information did they receive that told them the check may be returned and could not get an answer. I called the issuing agency and confirmed the check cleared their bank XXXX on XX/XX/XXXX. So there is no explainable reason for my funds to be held for an extended time past the date originally quoted to me. I demanded to speak to the "" risk department '' who put the hold on the funds and could not speak to anyone. spoke to several people claiming to be supervisors who told me there is nothing that can be done. They contacted the other department and my request for release was denied. I the funds were given to me for the sale of my home. this was not a personal check deposit. I also have approximately {$3500.00} a month direct deposited to this account. there is abosolutely no viable reason why they are holding money from me that they already received. I demand immediate refund of my money and interest payments that I have to pay for late payments on other obligations because my funds are not available. I also would like any overdraft fees that I may incur for this unjustified hold.",,Consent provided,Web,2017-01-17,Closed with monetary relief,Yes,Yes,CR2292035,4600
2017-01-17,Bank account or service,Checking account,Using a debit or ATM card,,"My name is XXXX XXXX and I am submitting this complaint against Eagle National Bank for certain unauthorized transactions or withdrawals from my accounts at different ATM locations in XXXX, Illinois. The transactions appear to have been structured in a manner which would allow the person taking the money to take the most amount before the fraud was discovered. Within less than XXXX business days after I learned of these unauthorized transactions, my father and I notified Eagle National Bank and requested that the charges be reversed. Eagle National Bank responded by sending two form letters with different claim numbers and dated XX/XX/2016, from the Dispute Resolution Services Department which indicate that it conducted a review and determined that no error has occurred as it believes that the transactions were authorized. In fact, the transactions were unauthorized and I am a victim of fraud and criminal activity. The unsigned form letters do not indicate what, if any, investigation was conducted by Eagle National Bank into the unauthorized transactions, who conducted the investigation, and whether the video of the transactions, if any, was reviewed to determine the identity of the person ( s ) who actually made the withdraws which appear to have been structured in a manner, via use of separate ATMs on separate days, to maximize the conversion and theft of funds being held in my account. The form letters also do not address any of the information ( or documents ) which were provided to Eagle National Bank, including the fact that I could not have possibly made or authorized the fraudulent transactions at issue as the transactions appear to have occurred after I returned to my parent 's home, some XXXX plus miles north of XXXX, Illinois. Although Eagle National Bank represented that it has a {$0.00} liability fraud policy for its customers, it indicated that it was going to charge me for the fraudulent transactions and did so. After I received the initial form letters, I again requested, in writing, that respectfully request that Eagle National Bank review and reverse the unauthorized transactions, including, reviewing the ATM videos of these unauthorized and fraudulent transactions, as well as the documents and information reviewed which was provided by my parents and I. That written request was sent on XX/XX/2016, and delivered to Eagle National Bank on XX/XX/2016. Eagle National Bank never responded to that request, other than recently posting an electronic notice on my accounts indicating that the charges would not be reversed. This is just a summary of what has occurred. I can provide any additional information and documents which may be necessary to assist with what actually transpired with hopes of amicably resolving the matter. In that regard, thank you in advance for your immediate attention and consideration in rectifying this situation. 
XXXX XXXX XXXXXXXXXXXX XXXX",Servicemember,Consent provided,Web,2017-01-17,Closed with explanation,Yes,No,CR2292079,4292
2017-01-17,Credit card,,Closing/Cancelling account,,"My 18-year VISA card through Eagle National Bank was cancelled without notice. I have been managing payments on this account through the iPhone app and online for the last several years without any problems. 
I called an spoke to an agent who told me that the reason for cancellation would be explained in a letter being mailed to me within one week. 
I received a letter saying that a payment for the account had been returned unpaid ; this is incorrect. The app on my phone indicated that a payment had been made when I submitted it but my bank never received or responded to the request. I waited a few days and resubmitted the request, which was funded immediately. 

Now I have a letter saying I 've been charged an outrageous 'fee ' for the 'returned payment ' of {$1000.00}. No acknowledgment that this was an error of their phone app or that the account has always been in good standing since 1998. The letter further asks me to call XXXX to arrange payment but the computer then tells me I do n't owe any payment at this time. 
No options for discussing with an agent/representative.",,Consent provided,Web,2017-01-17,Closed with non-monetary relief,Yes,No,CR2292718,3357
2017-01-17,Bank account or service,Checking account,Deposits and withdrawals,,"I was at Eagle National Bank depositing money ( {$250.00} ) into my account via ATM. The ATM proceeded to take the {$250.00}, rejected {$40.00} but did not credit my account with the rest ( {$210.00} ). As it was New Years night, the bank was closed so I called the help line. They told me that there was nothing I could do over the phone and that I had to go to the bank the following morning to fill out a loss prevention form. I filled it out and was told I had to wait 10 business days ( which was not the best because I had rent due the next day ). I waited however, and never heard back from them by the end of the time. When I called the following day, I was told the claim was denied. Shocking given the fact they can see through security cameras that I deposited the money into the account, it did n't show up on my statement, and the ATM was most likely over {$210.00}. I spoke to a supervisor named XXXX XXXX, who called the branch on XXXX XXXX in XXXX New York, where I deposited the initial amount. XXXX said, after speaking to the manager, XXXX, that the ATM was not over that day, therefore they can not credit the account. You would think at this point they would check my statement and see that I, in fact, did not have a pending deposit for any amount ( let alone the original {$210.00} ) that day while also checking the security cameras to see the transaction go down. 

Their only solution was for me to go back and re-submit the report, although the outcome could be exactly the same and I could be re-submitting reports for months before I see my money. Unfortunately, I had work, so I had to authorize my partner to go in and speak to the manager. She went to the bank anyway & spoke to manager XXXX XXXX ( who she said was excellent ). She brought both the initial report and my statement showing that no amount of money was deposited that day. XXXX found out that despite what the investigator XXXX XXXX XXXX XXXX said there was some kind of discrepency in the ATM that day. However, the only thing she could do was email XXXX and ask for her to expedite the process. XXXX attempted to call the ATM investigation unit, but she was put on hold for more than 10 minutes. The quickest I would hear anything more about the investigation would be the following day ( tomorrow ). 

When my partner questioned XXXX about checking the security cameras as evidence into how much money I deposited into the machine, they said the only way to do that would be to file a police report, which could take a long time.",,Consent provided,Web,2017-01-17,Closed with monetary relief,Yes,No,CR2291439,167
2017-01-17,Credit card,,Other,,,,Consent not provided,Web,2017-01-17,Closed with explanation,Yes,No,CR2293095,959
2017-01-17,Credit card,,Delinquent account,,,,Consent not provided,Web,2017-01-18,Closed with explanation,Yes,,CR2290859,7327
2017-01-17,Credit card,,Other,,,,Consent not provided,Web,2017-01-17,Closed with explanation,Yes,,CR2292601,2071
2017-01-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-17,Closed with monetary relief,Yes,No,CR2293034,6729
2017-01-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2017-01-19,Closed with explanation,Yes,No,CR2291526,3334
2017-01-17,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-01-17,Closed with explanation,Yes,Yes,CR2291959,4795
2017-01-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-19,Closed with explanation,Yes,Yes,CR2292818,573
2017-01-16,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I have a debit card for use with the Eagle National Bank ( EN ) Health Savings Account. Today EN refused to allow payment of heath expenses using my card because I had already paid the limit of bills I could pay in one day. "" Supervisor '' XXXX, who was a first level supervisor and who advised he had no higher level supervisor, indicated a limit of paying XXXX bills per day and no ability to override. He also incorrectly stated that this limit is in the user agreement and in the FAQs -- it appears in neither. The user agreement indicates it can put on a dollar limit if I am advised in advance, which I have not been, and there would be no reason to do so as long as funds are in the account, or stop a transaction if they think there is fraud. EN is illegally holding my funds. Clearly this is an issue that goes beyond me, as EN collects interest on these funds while refusing to allow its customers to use their own funds. I do realize I can resolve this with a few days, but the point is CFPB should look into this illegal practice.",Older American,Consent provided,Web,2017-01-16,Closed with explanation,Yes,No,CR2292284,2910
2017-01-16,Bank account or service,Checking account,Deposits and withdrawals,,"I have been a Eagle National Bank customer for 3 years with a small business account, recently I moved from XXXX to XXXX. I met a women from XXXX also and become very close to her. I went out of town and trusted her with my account number to deposit money into my account from a work booking that I asked her to take care of. The time I went out of town I was very busy moving around and preparing for my permanent move to XXXX. I checked my account but did not do a through check for any errors just to make sure some money was deposited from work, once I returned to XXXX about two weeks later XXXX $ was reversed from my bank account. I called and tried to contact the women whom was my friend had dissaperead, she blocked me from social media, she had moved from her apartment and I could not contact her.. Continuing on about a month later XXXX $ had been reversed from my bank account causing it to overdraft, I could not understand why so I immediately went to a banking center. I filed a claim at the bank over the phone and filed a police report for fraud naming this women as the person of interest. After a week goes by I finally get some type of answer from a Eagle National Bank associate explaining what had happened, someone posing as me stole my information and filed a claim stating they deposited money into my account gotten a temp credit and immediately with drew it. I did not file this claim nor do any of this. My information was stolen and fradulant activity was done and I am being held accountable for it. This has been a nightmare and it seems as if the bank does not even care they have not fixed the issue and has denied my claim.",,Consent provided,Web,2017-01-16,Closed with explanation,Yes,No,CR2292135,1535
2017-01-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2017-01-16,Closed with monetary relief,Yes,No,CR2292461,4021
2017-01-16,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2017-01-16,Closed with explanation,Yes,,CR2291371,3117
2017-01-15,Credit card,,Transaction issue,,,,Consent not provided,Web,2017-01-18,Closed with explanation,Yes,Yes,CR2289833,2192
2017-01-14,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I open a Merrill Lynch investment account a few years back. They recently closed my account because a check was deposited in error. The day prior to them closing my account, I made a deposit at the ATM for {$60.00}. Upon closing the account, they sent me a check for {$.00}!!!!!! The is the second time in 2016 where they have stolen from me!!!! A few months prior, they stole {$150.00} from me and refused to return it! They mentioned it had something to do with fees, however when I asked if they could provide me a copy of the fee schedule, as it was never disclosed upon opening the account, they could not the fee schedule!!!! This is because it simply does not exist!!! Please help me mitigate this situation. Thank you.!",,Consent provided,Web,2017-01-18,Closed with explanation,Yes,,CR2289877,4668
2017-01-14,Bank account or service,Checking account,"Account opening, closing, or management",,My account was at a XXXX balance. A charge of XXXX was approved even though it should have been declined and i got charged XXXX dollars in overdraft fess. I am ok with paying XXXX of the late fees but i feel paying XXXX dollars is excessive for a XXXX charge,,Consent provided,Web,2017-01-14,Closed with monetary relief,Yes,No,CR2289964,2312
2017-01-14,Bank account or service,Other bank product/service,Using a debit or ATM card,,"My small business debit card with Eagle National Bank. On XXXX XXXX, XXXX I was shopping and made a purchase of {$180.00}. At the cash register after waiting in a long line, instead of providing my Eagle National Bank Credit Card, I accidentally provided the debit card. They 're very similar, credit card is blue and debit card is light grey, but both contain the bank name in the same place, and the MasterCard logo. The purchase was approved but I did not have enough money in the account. On XXXX XXXX, this purchase and XXXX other much smaller business-related debits were processed. The bank paid all of them ( the XXXX smaller would have been covered had I not made the {$180.00} purchase ) but also charged my account {$35.00} XXXX times. On the XXXX of XXXX XXXX, they charged me another {$35.00} for "" extended overdraft ''. On the XXXX of XXXX, I checked my account, found the problem, and deposited more than enough to cover these fines and debits. I was shocked that : # 1 they authorized it, and # 2 they did n't notify me. When I called the nearest branch, they said I must come in for discussion and set a time of XXXX. I immediately received an email confirming the appointment which amazed me they did n't do this for the overdrafts. The two employees I spoke to, XXXX and XXXX checked my account, and said I was only entitled to {$35.00}, the credit for one charge. When I asked why, they said "" it depends who you are and what your relationship is with us. '' They further stated that it 's not the policy to check the money in the account before authorizing purchases under a certain limit. ( see website FAQ below ) I said I had thought it would be rejected if the money was n't in the account, XXXX said she warns people but does n't know what other employees say. To me this means it 's not an explicit policy to duly advise a customer. Also, I 've been with the bank over 20 years, and have borrowed and paid back {$50000.00} in business credit, although not since XXXX. 
The Website, under Debit Card FAQ 's is copied today : When you do not have enough available funds in your account to cover everyday non-recurring debit card purchases or ATM withdrawals, we will decline the transaction and you will not be subject to overdraft fees for those declined transactions. If you have enough available funds in your account to cover part of an everyday non-recurring debit card purchase, but not the full amount, some merchants will accept those available funds as partial payment and then allow you to pay the balance of your purchase from another source, or will allow you to reduce your purchase to fall within your available balance, such as by reducing the number of items in your cart. '' To me, this situation is the result of false and misleading information provided to me.",,Consent provided,Web,2017-01-14,Closed with monetary relief,Yes,Yes,CR2290022,4637
2017-01-14,Bank account or service,Savings account,Deposits and withdrawals,,"On XXXX XXXX, XXXX I have contacted Eagle National Bank again to ask them to honor attached checks issued on XXXX XXXX, XXXX. Eagle National Bank owe me {$9800.00} plus 20 % interest, {$100.00} late fee each month starting XXXX XXXX, XXXX ( date of loss ) until paid in full, my personal time $ XXXX/hour for 20 hours to collect stolen funds, pain and suffering etc. I have informed this bank numerous times that I do NOT know the person who stole my savings in XXXX and XXXX. Eagle National Bank was notified immediately regarding stolen funds once I found out. I also have proof showing theft changed my accounts ' address and obtained all my information to open new accouts which totally against my will. Eagle National Bank has issued 5 letters and 5 checks to honor the claims. At this time, I am asking Eagle National Bank to honor these 5 checks, DO NOT cheat constomer as a burlgary victim and rights violation victim. Furthermore, Customer NEVER authorized the person who stole the funds to do anything. Instead, all I experienced were financial loss and health damages, vehicle damages ( cutting tires etc. ) from this theft. 
1. Check # XXXX Amount : {$8500.00} ( see attached image ) 2. Check # XXXX Amount : {$1300.00} ( see attached image ) 3. Check # XXXX Amount : {$3.00} ( see attached image ) 4. Check # XXXX Amount : {$3.00} ( see attached image ) 5. Check # XXXX Amount : {$4.00} ( see attached image )",,Consent provided,Web,2017-01-14,Closed with explanation,Yes,Yes,CR2290173,2838
2017-01-14,Credit card,,Billing disputes,,"In regard to the complaint I submitted on XXXX # XXXX, Since there is some changes happened to the case I would like to update the changes in the form of a summary, I ordered, the order # XXXX from XXXX using my XXXX, On XX/XX/2017, due to fraud transaction I closed the account, and the balance of this account was the price of that order, The XXXX credit card representative advised me to go to any XXXX store and pay for the order, On XX/XX/2017 I went to XXXX located at XXXX XXXX NJ XXXX, and paid {$44.00} reference # XXXX using my Eagle National Bank credit card ending XXXX. 
On on XX/XX/2017 I received statement from XXXX for the same order, On XX/XX/2017 I contacted the XXXX XXXX card, around XXXX, answered by XXXX XXXX, and asked him to contact, XXXX and update the balance by the payment I did, he told me to wait until XXXX will update it, On XX/XX/2017 I contacted both, XXXX, answered by XXXX and XXXX, and XXXX card answered by XXXX or chavil? And both of them accused each other of having the responsibility, to correct the mistake, On XX/XX/2017 I received e-mail from XXXX help, to go to the store and refund the bill, paid on XX/XX/2017 by my visa card Eagle National Bank ending XXXX stating that they received it by mistake? 
On XX/XX/2017 I went to the same XXXX store and paid the credit balance using my debit card, reference # XXXX for the same order, but they could not refund the first bill, In summary, it means that I already paid to XXXX the order twice, I would appreciate, if you help me to dispute and the refund the payment with {$44.00} which went through my visa credit card Eagle National Bank ending XXXX Attached all the documents and the proof of my complaint, Thank you and I appreciate your time XXXX XXXX, XXXX NJ XXXX XXXX XXXX",,Consent provided,Web,2017-01-18,Closed with explanation,Yes,No,CR2289783,4171
2017-01-14,Credit card,,Late fee,,,,Consent not provided,Web,2017-01-14,Closed with monetary relief,Yes,No,CR2289970,2331
2017-01-14,Credit card,,Delinquent account,,,,Consent not provided,Web,2017-01-14,Closed with explanation,Yes,Yes,CR2289943,386
2017-01-14,Credit card,,Billing disputes,,,,Consent not provided,Web,2017-01-14,Closed with explanation,Yes,Yes,CR2290183,1763
2017-01-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-01-18,Closed with monetary relief,Yes,No,CR2289522,3283
2017-01-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2017-01-14,Closed with explanation,Yes,No,CR2289805,533
2017-01-13,Bank account or service,Checking account,Problems caused by my funds being low,,"around XX/XX/2016 i got a check from tenant. I am a XXXX and I accept a check from him after that i found bedbugs that he brought from work. 
I have to give him notice for moving because my apartment had a carpet floor. 
My roommate got a problem and moving out. and he also gave me a checked and cash in the same time. I after that time i got that the checked was report for lost. 
and Fraud also. Eagle National Bank close my account and report me I am a thief and fraud with check. I have a paper that give him to sign and let him know about the payment after he left for bedbugs treatment. I need Eagle National Bank resolve this problem that i am a XXXX that he used to lived before he changed the address. i can proof with letter that he report that was lost. but its not he was lie to bank. Cheating on my with the checked.",,Consent provided,Web,2017-01-13,Closed with explanation,Yes,Yes,CR2289573,4781
2017-01-13,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"During the end of XXXX to the beginning of XXXX I was referred to Eagle National Bank by a shareholder of Eagle National Bank for a line of credit for general business purposes as we intended to acquire shares of bac on the open market. However do to internal issues within Eagle National Bank I discontinued the relationship at that time. In an attempt to move forward with the goal without the issues ( in which I believe was XXXX even though it is unproven ) of the past our company XXXX XXXX XXXX purchased shares on the open market during the timeframe betweent the end of XXXX and the beginning of XXXX. After such we entered into a share exchange agreement with Eagle National Bank on XXXX XXXX, XXXX and XXXX XXXX, XXXX for our preferred shares as a debt security in exchange for the common and preferred shares of bac. The agreements were faxed to the corporate secretary, the general counsel and the chairman and ceo of Eagle National Bank. Eagle National Bank filed notice with the SEC on XXXX XXXX, XXXX and XXXX XXXX, XXXX by way of the general counsel of investments in debt securities. Shortly after there were issues with the transfer agent for two months, resulting in the transfer agent purposely losing our documents when Eagle National Bank investor relations and XXXX XXXX XXXX attempted a XXXX way call in XXXX to confirm with the transfer agent that XXXX XXXX was the shareholder of the shares, then the deal received bad press and certain employees XXXX XXXX of Eagle National Bank emailed me to say we did n't own the shares without seeing the agreements our having any knowledge of the agreements, his only reference was the article that was written regarding our deal and the limited information shared via social networks, during discussions over the phone he told me he did n't want me as a shareholder because it caused disruption. I let him know that, that is apart of the transition given the circumstances and the agreements were already confirmed with XXXX XXXX and the ENrd of Directors in accordance with Delaware law. He in turn said, "" I do n't give a XXXX about Delaware law ''. He also let me know that he had recently told XXXX to throw our agreements in the garbage. After the conversation calmed down we agreed that I would email him the information and revisit the conversation the following week. When I called him back his secretary took a message. I contacted the investor relations team and they referred me to the fixed income department investor relations team. The fixed income department let me know that they could confirm our shares with the transfer agent as the issuer. I would just need to email them the documents and names of the employees at XXXX. I did just that, when I followed up with them the fixed income team said that they did n't receive the emails. I suggested that a fax would be better they agreed and I sent the fax. However a week or XXXX after receiving the fax Eagle National Bank filed a complaint that they did n't want the deal. Then in the complaint they said they did n't agree to it. I find it interesting that there was no complaint filed regarding any of our suggestions to the ENrd and the ceo to make the bank more efficient and to better service their customers as a whole. I think this was an attempt for a free lunch no different from the banks unwillingness to pay regulators such as the FDIC. A bank is meant to be the cornerstone of the community and this is unacceptable for our local, national, and global communities. In addition this is a violation of shareholder rights",,Consent provided,Web,2017-01-17,Closed with explanation,Yes,Yes,CR2288898,4795
2017-01-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I opened a secured cc account with Eagle National Bank in 2013 for {$300.00}, a while after I closed out my account. Later the bank said I owed them XXXX when I only had a limit of the {$300.00} I put in ( my line of credit ). Later they reduced it back to XXXX. I opened the account with the explanation that the {$300.00} I put in was my limit. When I reached the limit I could not use the car until I put another XXXX in. The bank is now saying I owe them XXXX and keep reporting it on my report with no data displayed and when I call the bank or write them and ask them for proof, since I could only use what I put in, I am told they do not have to provide that to me ( per XXXX ). They are also reporting the dates wrong on the report.",,Consent provided,Web,2017-01-13,Closed with explanation,Yes,No,CR2286314,2210
2017-01-13,Bank account or service,Checking account,Using a debit or ATM card,,"I recently travelled abroad and was charged {$400.00} in bank fees by Eagle National Bank for XXXX transactions for using my debit card for my checking account abroad. When I approached the bank after returning from my overseas trip, I was told that this 3 % transaction fee was listed in my account disclosures. I vividly recall the conversation I had when opening the account where the bank representative clearly stated the account would have no fees but failed to similarly clearly point out that however there would be a 3 % transaction fee for any international transactions on the debit card. I believe this is a deceptive practice, and not everyone is well versed enough to read all the fine print and disclosures to understand that these fees will occur. Had the representative made these transaction fees clear when I opened the account, I would have found an alternative method of paying for those transactions abroad. The bank refused to refund these fees on this basis, and I believe this is a deceptive practice and my fees should be returned.",,Consent provided,Web,2017-01-13,Closed with monetary relief,Yes,No,CR2288490,1257
2017-01-13,Bank account or service,Checking account,"Account opening, closing, or management",,"I was in the process of moving and discarded some old starter checks from a closed Eagle National Bank account. Someone retrieved the checks a tried to cash a check for {$600.00}. I was never notified by Eagle National Bank they just reported the incident to XXXX as suspected fraud. I am not able to obtain a bank account due to this report. When I contacted Eagle National Bank I was transfered to several all to be put back to the original rep that informed me there was nothing they could do to help me. I offered to pay the charge off amount of {$86.00}, but that request was denied by the rep.",,Consent provided,Web,2017-01-13,Closed with explanation,Yes,,CR2288041,3893
2017-01-13,Bank account or service,Other bank product/service,Deposits and withdrawals,,"On XXXX XXXX, I submitted my deposit from XXXX, a non-profit where my position is publically grant funded, for around {$2200.00} ( I ca n't access my paystub from my computer ) to Eagle National Bank. That day, I was able to spend around {$80.00} but did not try to use until XXXX XXXX ( to buy XXXX presents and groceries ). When I tried to pay for groceries, my card was denied. When I looked on my phone for my funds, making sure I did n't overdraft, it had my account locked and I called Eagle National Bank. They said I would be able to access my funds from a week from my deposit. The next Tuesday, I went to Eagle National Bank in person to close my account and receive my funds, but my account was closed and I was n't notified. When I asked why my account was closed and where my funds were ( roughly {$2100.00} ), they called the Risk Dept. which told me they flagged my account because my check had been thought to being tampered with ( my check is again from a XXXX ). They said on XXXX XXXX, they would either send me a cashier 's check for what is in my account or discuss the fraud. Today, XXXX XXXX, I called and asked where the check has been ( since it has been two weeks and it should n't take that long to put a check in the mail ). I talked to three different people, totaling around an hour, and ended up being sent to the "" escalation dept '' - however, I 'm a social worker and made it to stay calm during the whole process. I was told from one person that in order to gain my funds, I needed to send a letter from my organization telling Eagle National Bank the check was legitimate ; I was then directed to another department and told they were going to email the people who hold funds, could n't talk to them, and in 1-2 days I needed to call them and see what actions I needed to take in order to gain the funds "" I believe are not fraudulent '' ( again, I work for a non-profit organization and have no past of criminal or fraud records ). I asked during this time, why was n't I notified, why I was told they would send a check XXXX ago but not notified of any actions, why I have to initiate all of these actions to funds they are holding even if they are legitimate funds.",,Consent provided,Web,2017-01-13,Closed with explanation,Yes,No,CR2287413,4515
2017-01-13,Credit card,,Billing disputes,,,Older American,Other,Web,2017-01-13,Closed with monetary relief,Yes,,CR2286985,3620
2017-01-13,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,Consent not provided,Web,2017-01-13,Closed with explanation,Yes,No,CR2286412,2467
2017-01-13,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-01-13,Closed with monetary relief,Yes,No,CR2287986,5827
2017-01-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-13,Closed with non-monetary relief,Yes,No,CR2288099,9872
2017-01-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-13,Closed with non-monetary relief,Yes,No,CR2288732,3215
2017-01-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-13,Closed with explanation,Yes,Yes,CR2288922,3780
2017-01-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-13,Closed with monetary relief,Yes,Yes,CR2289010,12464
2017-01-12,Bank account or service,Checking account,Deposits and withdrawals,,"Hello, I opened a small business checking account at my local Eagle National Bank branch XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) on XXXX XXXX, XX/XX/XXXX The process seemed to go well and I had all the documents requested. Once the account was opened, I deposited a check made to my business and drawn on my client 's Eagle National Bank account. It was because the check was drawn on my client 's Eagle National Bank account that I opened my business account there in the first place, to ensure smooth processing and funds availability. 

The next day XXXX XXXX XXXX, the funds appeared in the morning and I was able to make a few transactions. Without being notified, in the afternoon that stopped being the case and I was n't able to use online banking to see the account. I called and was told by the Risk department the account was being closed ( but not given any reason for the closing or any way to rectify the situation ). Simply that EN was electing per the terms and conditions to close the account. I was told by the Risk dept. rep that I should go to the branch to withdraw the funds, otherwise a check would be mailed from EN to my business once the account was closed. But without a business account or the ability to open XXXX, I would n't be able to personally cash the check - essentially making the funds completely unavailable to me in any real form. 

So I go to the branch immediately and wait for hours. They eventually call what they call 'One Call ' and are told the funds wo n't be available until the next day ( XXXX ). Because I was told something completely different, I call the customer Risk dept. again, this time together with the Personal Banker at the branch at her desk. We are told again the funds are in fact available and they should be able to release them. But the branch does not. 

The branch manager comes by because it is taking so long and rudely takes over the call. She does n't allow me to hear the process any further, despite everyone clearly telling us the funds should be available for withdrawal. She disappears into her office for about an hour and reappears only to say there is nothing she can do. She is rude, unsympathetic, and offers no real resolution or reason. 

She instructs me to call the same Risk dept. again today ( XXXX ) and that the funds should then be free for the branch to release. Even though that same department had been telling me they were already released and free to release. 

So I call them today ( XXXX ) and am told it wo n't be until the XXXX that the funds are released. The Risk dept. rep is n't able to tell me if the account will remain active through the week it will take to verify and release the funds and that if the account becomes inactive, even after verified, the funds wo n't be available for withdrawal. 

It is absurd that they 've essentially stolen {$13000.00} from me in their tangle of broken processes and miscommunication.",,Consent provided,Web,2017-01-12,Closed with explanation,Yes,,CR2287604,3739
2017-01-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am the the personal representative/successor trustee for my mother-in-law, XXXX, who died on XX/XX/XXXX. She maintained checking account and safe deposit box at Eagle National Bank Branch located at XXXX, FL XXXX. 
On XX/XX/XXXX I went to that branch and spoke first with a XXXX and then with the purported branch manager, XXXX. I presented them with copies of pertinent parts of a will, pertinent parts of a trust document, and death certificate and asked to be permitted to search the safe deposit box pursuant to Florida State Statute 655.935. I was denied my right to search the safe deposit box pursuant to valid Florida law. This has caused me time and expense since I do not live in that state and now will have to spend time and money to travel back to Florida as well as retain and pay for an attorney to obtain a court order to force the bank officials to comply with the laws in Florida.",,Consent provided,Web,2017-01-12,Closed with non-monetary relief,Yes,,CR2287271,3268
2017-01-12,Bank account or service,Savings account,Deposits and withdrawals,,"I received a refund check from my previous Rental company. It was in joint name of me and my wife. I did not look into the same and tried depositing the check in EN thru mobile banking. Immediately I realized it was a mistake. However I went to the bank the next business day and got my wife name included in the bank account, but the bank refused to accept the check stating its still under clearance from past deposit, and unless its rejected they can not accept.. I however sent the check the next day, they accepted the check, but they placed a hold for clearance for 10 days. I fail to understand when its my check, my money why is the bank placing hold. I also enquired with check issuing company, they confirmed that they have not placed any hold. 
I tried to call the bank at least 5 times to follow up on the hold status, but they would not share any information. just keep making me run from pillar to post. from one dept. to another. 
I have commitments and bills to pay, and I believe its not fair on the bank to place a hold o my check for such small issue. I think this is discrimination against people and this should be highlighted.",,Consent provided,Web,2017-01-12,Closed with explanation,Yes,No,CR2287738,2900
2017-01-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,Interes Balance on Refund Cashier Check,,Consent provided,Web,2017-01-13,Closed with explanation,Yes,No,CR2287949,2473
2017-01-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"On XXXX/XXXX/2017, I called EN, to find out how much my interest would be, if I do'nt pay off the balance of my "" balance transfer '', that I did few months back. When they disclosed how much it would be- I said : oh my, that 's a lot. Then he said, they can reduce the interest charges, and forwarded me to another banker., who offered to reduce the interest, but also said "" we can increase your credit limit '', in a very helpful tone, as if it 's in her power, to do so. I said "" how much "", she told me the amount she would increase, and I asked her, "" do you pull my credit report ""? -- She said oh yes, -I asked "" is it going to be "" soft pull '', or Hard pull ""? She said Oh, "" we do n't know about it, -- anyway it 's already done "". I was shocked. 
I did not want any XXXX to do a hard pull, as I was about to start on a "" refinance '', on my home, within weeks. Next day, I received my "" XXXX XXXX '', report saying, '' there was a hard pull, do you recognize this company?. "". I was furious, and very upset, because, without informing me, her itchy hands had already forwarded my card number to Credit Agencies, acting as though, she was very sympathetic, and understanding, and as if SHE was inreasing my credit limit, on her own. Why do they deceive us, why ca n't they be honest, and transparent? Why do big banks like Eagle National Bank, hire such idiots, who say "" they do n't know, if it is a soft pull, or hard pull ""? I AM DISPUTING THIS UNSOLICITED CREDIT INQUIRY. They are trying to whip up more loans, just like another big BANK did recently, and was subjected to severe fines, which story every one knows. I want Eagle National Bank to "" WITHDRAW THIS INQUIRY '', FROM MY credit report, ASAP. 
Thank you for your helpful service.",,Consent provided,Web,2017-01-12,Closed with non-monetary relief,Yes,No,CR2287434,917
2017-01-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"XX/XX/XXXX, I tried to open an account with XXXX. I was denied and told to contact XXXX Services for the reason as to why. Upon contacting this company, I was informed that my checking status was in good standing, but I was being flagged because my social security number is being used as a Business Tax ID at Eagle National Bank. I have contacted Eagle National Bank numerous times, only to be told to go here and there and to do this and that, but they were unwilling to resolve this issue. I have never banked with Eagle National Bank nor do I have or have ever had any type of XXXX account. I was told by Eagle National Bank to go into XXXX of their branches and tell them to be removed from a duplicate XXXX ID. Upon doing so, Eagle National Bank then told me that I needed to contact the IRS about my social. I contacted IRS who told me that my social is not and was not flagged and to contact Eagle National Bank since they are the ones who has my social mistyped as a tax ID. Upon contacting Eagle National Bank again, I was then told by customer service to contact my Financial Institution which is XXXX ( I have been a loyal customer to XXXX for XXXX years ) and file an identity theft Affidavit. I went into a XXXX Bank branch on XX/XX/XXXX and filed an identity theft affidavit as I was advised to do. Today, XX/XX/XXXX I contacted XXXX of the Identiy theft department of Regions who advised me that I needed to contact Eagle National Bank yet again and possibly file an Identity Theft with them since they are the ones who potentially transposed my social security number and used it as a business tax ID. So, i proceeded to call Eagle National Bank yet again after XXXX phone calls total, only to have them type in my social security number yet again and tell me that it is still coming up as a Business Tax ID number with someone else 's name and a different state and told me to contact my bank ( XXXX ) to start identity theft so they can remove the Tax ID from my social. So, After the numerous back and forth efforts I decided to file a complaint because no one is helping me due to something that is to no fault of my own. I have never banked with Eagle National Bank and I have never had any type of business. This is affecting my life because I ca n't conduct my personal affairs for being flagged for something that I have no knowledge of.",,Consent provided,Web,2017-01-12,Closed with explanation,Yes,No,CR2287830,1110
2017-01-12,Credit card,,Closing/Cancelling account,,"I had an XXXX XXXX Visa Card issued by Eagle National Bank. The annual payment came due in XXXX XXXX and I decided that I no longer wanted the card. I contacted EN customer service in XXXX XXXX and after their several attempts to retain me they agreed to cancel the account. On XXXX XXXX XXXX I received a bill for the annual card fee. This bill contained a BofA late payment warning fee. I immediately called BofA and determined that, although they cancelled my account, they did not cancel the annual fee and have been reporting my account as past due to the reporting agencies. I spoke with XXXX XXXX at Bof A ( XXXX ) and she assigned case no.XXXX. She assures me that my account will be credited and that the credit reporting agencies will be notified that there was/is no late payment.",Older American,Consent provided,Web,2017-01-12,Closed with monetary relief,Yes,No,CR2287315,13539
2017-01-12,Credit card,,Billing disputes,,"I have an XXXX XXXX XXXX issued by Eagle National Bank. It has a credit balance on it. I called today to have a check sent in the amount of the credit. The card ends in XXXX. I gave them my address for verification in full. I did not give them my birthdate but I did give them the CIC code. They were insisting that the code was on the back of the card and was XXXX digits. I said no it has always been XXXX digits for XXXX XXXX and is on the front of the card. They claimed that the number did not match. I was looking right at the card and read it twice. They refused to issue my check. The supervisor 's name was "" XXXX ''. He refused to give me his last name. I asked the name of his company and he refused to give that to me. I asked what call center he was at and he said "" Texas ''. I asked him the city and he refused to tell me. I asked if the call we being recorded and he said "" yes '', "" all calls are recorded. '' I told him he would be hearing from the Federal Government. I said, "" I have given you my name. I have given you my address. I have given you the security code off of my card and the last numbers of the card. '' They wanted my birthday and the CIC number from my OTHER card. I said "" no ''. 
I said I have given you my name, address, last digits of my card and the CI code and you will not tell me your last name nor your company, its address, or the city in Texas you operate from. '' He said "" Yes, that 's correct. '' Please fine these people. If we need to talk on the phone, e mail me.",,Consent provided,Web,2017-01-12,Closed with monetary relief,Yes,No,CR2286499,3710
2017-01-12,Credit card,,Balance transfer fee,,"I received credit card checks by mail stating that : "" As a valued customer and BankAmericard Cash Rewards MasterCard credit cardholder, you can take advantage of two limited-time offers to pay off debt faster, deal with unexpected expenses or keep pace with short-term borrowing needs. Choose both offers and save even more! '' Next to the statement above on the right side were two boxes describing each of the offers. One of the offer stated : "" OFFER 1 LOWER RATE 0 % ( 0 % Daily Periodic Rate ( DPR ) ) Promotional APR until XX/XX/2017 Use Offer ID XXXX - XXXX, or use red check number XXXX or XXXX '' Based on the offer that is given above, I used a check to make payment and I have been charged for 3 % transfer fees. 

I am writing to dispute the fees because I did not know there was a fees associated with such transaction. I only noticed of the fees when it actually posted on my account. 

I went back and read the original offering mail that came with the check. The document is a bifold document. It has two pages on the front and two pages on the back. The left front page states all the commercial advisement with variable APR no the bottom. The right front page has three checks for me to use with some information on the bottom. The back of the document have FAQ on the right side and nothing on the left ; the left was the back of the check. 

The issue here is the disclosure of 3 % fee on the mail. The only time there was a disclosure was on the front-right page below the check ( the bottom page ). The disclosure was at the very bottom and small. 

When I, initially, got the mail, I read the first page that contained all the advertisement offer as I described above and thought the deal was great so I took on the opportunity. However, the disclosure would have been more effective, catch my eyes, and easier to read if it were to be on first front page next its advertisement : "" LOWER RATE ... 0 % ... User Offer ID .... '' Instead, their disclosure is smaller in size when comparing to their commercial advertisement to lure me in. The advertisement offer is in bold and capital but the disclosure was not - seems like they are suggesting and traping people to use their checks by placing the 3 % fees toward the very bottom of the second page. The placement of the 3 % fees disclosure was in very dis-part from their advertisement offer. They should tell me on the first page next to their advertisement about the fees. Why tell me everything about how good the offer is without telling me the fees on the same page, within the same box, same statement line or next to each other so I can compare and analyze my risk whether or not to take the deal. In addition, the 3 % fees disclosure should have also been on the back of the document especially in FAQ section. They have every opportunity to include their 3 % fees to let consumers know conspicuously but they did not. Their disclosure in not proper here. 

I would not have used the checks if I knew there was a 3 % fees associated with the transaction. Because there was not adequate and sufficient disclosure, I used the check without knowing so. I called the credit card and explained of what happened, but they said there was nothing they can do, and I am writing to seek you help.",,Consent provided,Web,2017-01-12,Closed with explanation,Yes,Yes,CR2287519,2179
2017-01-12,Credit card,,Billing disputes,,"Summary : Eagle National Bank issued me with a fraudulent credit card charge of over {$1100.00} and has not taken any action to reverse the fraudulent charge for me, despite my multiple pleas to them. The most ridiculous part of it was that I had already closed my account long ago ( more than a year before they charged me ), so it should not have even been possible to use that credit card. Eagle National Bank was hitting me with a charge on an account that no longer existed! They could not explain how the charge could have possibly happened, yet were demanding that I pay it back and they were doing nothing to help me resolve it. This is an extortion of consumers at its worst. 

Detail : I closed my Eagle National Bank checking account and credit card account XX/XX/XXXX. Then XX/XX/XXXX I suddenly received a billing statement ( I had not received any statements since closing my account ) for a charge of {$1100.00}. I thought this was some kind of scam because my account had been closed long ago, so I ignored it at first. 

However, I continued to receive statements from Eagle National Bank, and now they were adding late fees, interest and penalty charges. I opened a fraud claims case with Eagle National Bank. Every time I spoke with them I was told they could not understand where the charge came from. They also could not explain how the charge was even possible on an account that was closed more than a year ago. I was also told that it looked like the charge was manually placed on my account by a Eagle National Bank employee and they could n't explain why! I was told they would reach out to that employee and and they would call me back later. Yet I never received a call back. So I would have to call back fraud claims to follow it up, and every time I called I had to speak to a different person who said there was no record of any case or follow up on my account, so I would have to explain my whole issue all over again. And again and again, I was told somebody would follow it up. 

Eventually I received a letter from Eagle National Bank that my debt was going to be charged off to a debt collector. I was alarmed and called fraud claims, and yet once again was told that nobody had done anything about my case! So instead of trying to get to the bottom of it for me, they just treated it as money owed and sent it off to billing collections. They told me not to worry because fraud would continue looking into it, but that they could not do anything about it because it was already charged off. 

This is a problem where I hope the CFPB can help protect my rights as a banking consumer as I feel powerless in a circumstance where I am being extorted by the bank and have no means to fix it. It is also negatively and unfairly impacting my credit and I am supporting a young family. The fact that ( 1 ) Eagle National Bank can not explain how this charge was even possible when my account was closed more than a year ago, ( 2 ) nobody at EN can understand how the charge got there or why it was put there by one of their OWN employees, ( 3 ) that my fraud claim was never taken seriously enough for anyone to do anything about it or even bother to call me back and ( 4 ) that I am suffering the consequences of unfair and extortive behaviour by Eagle National Bank - makes all of this very upsetting. Please help me force Eagle National Bank into treating this matter with the respect and attention it deserves, as I have tried for over a year with zero success and am being repeatedly ignored and given the run around ( "" we 'll look into it and call you back '' is the same thing I hear ). Especially now that they have already charged it off, I believe they no longer feel the need to deal with it as they have wiped their hands "" clean '' of it. Unfortunately, it has lasting implications for aninnocent consumer that they ripped off.",,Consent provided,Web,2017-01-12,Closed with monetary relief,Yes,No,CR2285512,1852
2017-01-12,Bank account or service,Checking account,"Account opening, closing, or management",,I am having a problem with Eagle National Bank. They have charged XXXX of my account for overdraft of another account after I asked them to shut the account off. They shut both accounts off then charged the opened account over {$1800.00} to fund the other account. The fees are continuous triple charges for the same charges. I have not received help from the branches and been on the phone for numerous hours just waiting to talk to someone with no help at all.,Older American,Consent provided,Web,2017-01-12,Closed with monetary relief,Yes,No,CR2287019,4395
2017-01-12,Credit card,,Identity theft / Fraud / Embezzlement,,I recent had my credit pulled and was alarm about a target card that appear on my credit report that I have no knowledge of.,,Consent provided,Web,2017-01-12,Closed with explanation,Yes,No,CR2285883,2435
2017-01-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-01-12,Closed with monetary relief,Yes,No,CR2287038,13694
2017-01-11,Bank account or service,Checking account,Using a debit or ATM card,,"i am a Eagle National Bank costomer. this bank keep transfer my money from savinngs to checking out of my agreement .first time the transfer XXXX, and the say is overdraff was the one transfer the money .and letter the XXXX desapear from my account few monmths letter the same thing happem XXXX .l trast times is happem .i when back tack out all my money from my account because if i leffet any mony on my account with desapear, also is a lot not aoutorize transation on my checking account .the total lost is XXXX",,Consent provided,Web,2017-01-11,Closed with explanation,Yes,No,CR2282805,266
2017-01-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XX/XX/XXXX, at XXXX, I attended a real estate closing where I sold a XXXX-family house that I owned. I attempted to pick up the check from the attorney, Attorney XXXX XXXX, later that afternoon, at XXXX, but due to miscommunication, the office was closed and I was not able to pick get the check until the following Tuesday, XXXX XXXX. 
On Tuesday, I deposited the check from Attorney XXXX Client Trust Account ( CTA ) for {$540000.00} into my XXXX account. When I checked my account Thursday ( XX/XX/XXXX ) morning, my on line account statement showed that the check had bounced. I contacted the attorney 's office immediately. At approximately XXXX that day, XXXX XXXX ( XXXXXXXXXXXX XXXX ) called me to inform me that the Eagle National Bank XXXX where the funds were held, had made a "" coding mistake. '' He assured me that the funds were there and that we could get this fixed. 
During the day, needless to say, many emails and calls took place. The attorney that represented me in the closing ( XXXX XXXX, of XXXX ) spoke with Attorney XXXX and we agreed that the Eagle National Bank would put a stop payment on the check on Thursday and the funds would be wired to my account on Monday ( XX/XX/XXXX ). XXXX called me Monday at approximately XXXX. He told me at that time that he would be happy to pick of the returned check so he could bring it back to Attorney XXXX, after which, the next day, I would receive my funds .... Needless to say, since this was not was Attorney XXXX and I agreed to, I was very unhappy with the news XXXX delivered. 
Numerous attempts have been made by Attorney XXXX to get this resolved, but none have been successful. My account is still empty of the funds owed me. 
Later that day, I received an email from Attorney XXXX where he stated : 1 ) '' there is explicit language that EN is not responsible for any checks negotiated after a stop payment '' 2 ) '' I have been instructed by the title company not is reissue any check until I have the original in hand. You can confirm that this would be the same practice utilized by Attorney XXXX 's office '' First, Attorney XXXX emailed me to say that despite what Attorney XXXX stated in the email above, this was NOT his policy. Second, it appears that no one will do anything until the copy of the original check ( upon which a STOP PAYMENT was issued on Thursday, XXXX XXXX ) is returned to Attorney XXXX 's office. 
In short, Eagle National Bank messed this up and Eagle National Bank is unwilling to do what they need to correct the problem because they "" have an internal policy '' where "" EN is not responsible for any checks negotiated after a stop payment. '' The problem is, the error started with Eagle National Bank and more importantly, no one has been able to tell me what happens if, in the unlikely event that the check does not make it back to me. Are my funds forever stuck in Attorney XXXX 's CTA account? I am more than happy to return the copy of the original check to Attorney XXXX, but this was not a condition that was agreed to on Thursday XX/XX/XXXX, nor is it a reasonable request. 
Clearly this is a blatant error on the part of Eagle National Bank, for which, I am stuck in the middle and Eagle National Bank refuses to fix.",,Consent provided,Web,2017-01-11,Closed with explanation,Yes,Yes,CR2284326,9418
2017-01-11,Credit card,,Identity theft / Fraud / Embezzlement,,"Eagle National Bank refuses to allow me to use my credit card for internet purchases. I am only allowed to use the card for in person transactions that use the chip. Several months ago fraudulent activity was discovered by Eagle National Bank. Since then, Eagle National Bank will no longer allow me make credit purchases except in person with the chip. I have called Eagle National Bank 6 times and am told it 's the merchants fault. That is false. I could not use my credit card for XXXX, XXXX XXXX XXXX, XXXX and XXXX.",,Consent provided,Web,2017-01-11,Closed with non-monetary relief,Yes,No,CR2282231,2786
2017-01-11,Credit card,,Other,,"Dear Financial Protection rep, I 've called Eagle National Bank several times as well as written several letters to Eagle National Bank to resolve this issue. I 've also spent hours at the Eagle National Bank branch in XXXX, VA to resolve this without any success of having Eagle National Bank review a call I made to them XXXX XXXX, XXXX @ XXXX XXXX and their admittance to their errors or possibly their intentional deceit to incur additional fees for their gain, which is a crime. 
Order of events of complaint : I canceled all accounts ( checking, savings, credit card ) all business with Eagle National Bank end of XXXX XXXX. Process of cancelling, physically went into their XXXX, VA branch spoke with a manager ( she was blonde and of some foreign descent, possibly XXXX not sure ). Stated my business that I had moved back to my home town and was putting all of my finances and business back with XXXX where I 've had an account since childhood. I opened up account in Florida with Eagle National Bank while I lived in Florida from years XXXX. Manager closed my accounts and informed of number to call to cancel credit card, she did make a small attempt for me to keep credit card but I informed her my interest rate was lower with XXXX plus I can easily transfer money from checking to pay credit card all in XXXX location, which is why I was cancelling business with Eagle National Bank but appreciated their services. At this point my credit score is over XXXX because I 've always taken care of my debts and will always continue to as you will clearly see here. 
I ensured all credit debt was paid and canceled and all business with Eagle National Bank was in good standing. 
Then, I received a bill from Eagle National Bank in the middle of XXXX XXXX. Knowing I did not have any accounts open with Eagle National Bank, I called them to report fraud on XXXX/XXXX/XXXX at XXXX XXXX, providing him with the information from bill. The representative checked my closed accounts, confirmed accounts were closed and stated I did not have any charges or debt, his words "" balances show zero '' The following few months, I did not receive anything else in the mail until XXXX/XXXX/XXXX from a debt collector, XXXX XXXX XXXX, representing Eagle National Bank. Therefore, I called Eagle National Bank back to fix the fraudulent charges on XXXX/XXXX/XXXX at XXXX XXXX. I patiently tried to inform XXXX different reps of the situation and not XXXX rep helped to rectify the situation or take initiative to get me to the correct department to resolve charges on a closed account. Not XXXX rep reviewed the call, they each wrongfully decided to accuse someone who had an XXXX credit score over a {$200.00} charge. Eagle National Bank has wrongfully used my old credit card account after it was closed in XXXX XXXX ( Eagle National Bank admits all other accounts were closed at that time ). They also admit that closed account had not been used for six months at all, up until they accepted a charge from a company I do not accept charges from because I have not received any services from. So, I wrote letters to them and they 've replied that they have no record of phone call on XXXX XXXX, XXXX ( straight up lie ). I 'll attach a copy of phone bill which shows proof of the 20 minute phone call which will make it very hard for them to deny to you or the court. Their letter states they are not in any error and they claim that I am responsible to pay the bill plus fees. My arguments : first, account was closed XXXX of XXXX. So I should owe nothing. I can not prove that I closed account so, Second argument, I called on XXXX, where their rep incorrectly informed me of charges. If, I was informed in XXXX of charges, we could have contacted the company which originated {$220.00} charges for the year of their service and at most paid pro-rated 4 months ( about {$73.00} ) of services never used, if could n't back out. Bill is now over {$500.00} due to EN error and fees.",Servicemember,Consent provided,Web,2017-01-11,Closed with explanation,Yes,Yes,CR2284859,1067
2017-01-11,Credit card,,Payoff process,,High balance is undending,,Consent provided,Web,2017-01-12,Closed with explanation,Yes,No,CR2285265,658
2017-01-11,Credit card,,Transaction issue,,"I am writing to your agency in hopes that you can assist me to dispute some charges done on my Eagle National Bank card by these fraudulent companies : XXXX and XXXX LLC. 
I got contacted by these companies by unsolicited telemarketing phone calls. I have paid these companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated XXXX XXXX company that I would like you to dispute the charges is XXXX they promised me to build me a website, do XXXX work, coaching. They said they would do all the marketing required to have a successful business. I never had any progress reports on marketing and no sales. Seemed vague as to what they were doing to push the website. The second company that I would like you to investigate the charges is XXXX.They said they would build me a new website, do all the marketing, increase my traffic and sales and google ranking. They promised me I would start making {$4000.00} profit per month after XXXX months. They vanished in XX/XX/XXXX, and when I wrote them an email to request to cancel they sent me a mass email that it seems like a scam email, stating that I owed them money that my monthlies {$99.00} are past due, and that I needed to make those payments. They did not provide the services and before my XXXX months were up they stopped answering my calls. I never made any money, and I never got any results from whatever they were doing. 
I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.",Older American,Consent provided,Web,2017-01-11,Closed with explanation,Yes,No,CR2284129,4064
2017-01-11,Credit card,,Billing disputes,,"I have submitted documentation to the credit bureau requesting that they validate this account that they claim belongs to me, with three attempts made on my behalf they have yet to submit an actual contract made between my self and Eagle National Bank, Eagle National Bank has yet to show my any information with my name address or social security and something with my valid signature attached. they have updated my credit information with out any verification from me and with out authorization",Servicemember,Consent provided,Web,2017-01-11,Closed with explanation,Yes,No,CR2283203,3284
2017-01-11,Credit card,,Identity theft / Fraud / Embezzlement,,"My Eagle National Bank credit card was compromised and used to purchase over {$3500.00} worth of electronics equipment -- which was well beyond the credit limit of the card -- but Eagle National Bank refuses to acknowledge that fraud occurred because they say the card 's security chip was read. I have requested and received copies of the receipts from the merchant -- a XXXX in XXXX and another one in XXXX XXXX -- and neither receipt has my signature on it. Furthermore, I can prove that I was not in either city when the fraudulent charges were made. However, Eagle National Bank still continues to deny my fraud claim and is demanding that I pay the amounts charged.",,Consent provided,Web,2017-01-11,Closed with monetary relief,Yes,No,CR2284349,42
2017-01-11,Bank account or service,Checking account,Problems caused by my funds being low,,"I opened an account with Eagle National Bank in XXXX of last year with a {$100.00} deposit. I was told that as long as I maintained a balance of {$100.00}, I would not be charged any fees. I recently received a letter stating that my account was in collections even though I never withdrew any money from the account. I visited a local bank branch to ask what happened and the representative stated that I received paper statements for which they bank charged me $ XXXX, and once my account dropped below {$100.00}, they charged me $ XXXX for the account. First and most importantly, I registered for online banking over the phone with an agent immediately after opening the account since I 'm a digital-first customer and ca n't stand paper statements. Second, I was never told that the bank would charge me a fee for paper statements. In fact, I was told I would n't be charged ANY fees as long as I kept a balance of {$100.00} or more in the account. My account has been closed and I received {$35.00} back, as the representative would n't provide a full {$100.00} account credit. I expect to receive the additional {$65.00} along with compensation for my time and frustration.",,Consent provided,Web,2017-01-11,Closed with monetary relief,Yes,No,CR2285214,2242
2017-01-11,Bank account or service,Checking account,"Account opening, closing, or management",,"The complaint is about unfair charged fees at Eagle National Bank. 
I have a checking account at Eagle National Bank. I opted for paperless statement and had maintained my balance above the minimum requirement ( {$100.00} ) to avoid any fees. 

Without my knowledge nor consent, Eagle National Bank changed my preference to 'Paper Statement ' on XX/XX/2014 and charged me a {$1.00} service fee. This charge brought my balance under the {$100.00} minimum requirement and Eagle National Bank has been charging me a monthly fee of $ XXXX/month ever since. 

Right now, Eagle National Bank has wiped out all my balances on the checking account and claims that I owe them {$48.00} in unpaid fees. 

I request that Eagle National Bank cancel the {$48.00} they claim I owe them and return the {$100.00} original balance I had in the account.",,Consent provided,Web,2017-01-11,Closed with monetary relief,Yes,No,CR2282251,3610
2017-01-11,Bank account or service,Checking account,Problems caused by my funds being low,,"This is not the first time I have bern hit with overdraft fees by Eagle National Bank despite making a deposit before an item cleared my account but I will stick to the most recent. Yesterday, I had a positive checking balance of {$38.00}. My monthly check was ( is ) late to arrive again so knowing my car payment was due to I deposited a personal check for {$250.00} by mobile deposit at XXXX XXXX XXXX/XXXX/17 before my car payment posted. My car payment of {$240.00} posted today XXXX/XXXX/17 and my account balance is - {$200.00}. Per Eagle National Bank, my deposit the date before my car payment posted does not count ( and is not even showing online in my pending items despite being a personal check. ) Per Eagle National Bank, I will still be responsible for overdrafting and fees. XXXX XXXX XXXX.",,Consent provided,Web,2017-01-12,Closed with explanation,Yes,No,CR2284807,203
2017-01-10,Bank account or service,Checking account,"Account opening, closing, or management",,A {$25.00} fee was charged to my account in XXXX. I called and it was reversed. It was charged again in XX/XX/2016. I spoke with XXXX and her supervisor XXXX. It seems the terms of this type of checking account have changed. I asked when and if I received written notification. I did not get any information. Again I asked that the {$25.00} fee be waived. I was told no. I changed to the core checking account. I feel that Bank America changed the terms and conditions of my account at some point and is misrepresenting the notification. Additionally they will not tell me when he terms changed and how I was notified. After 20 years I am disappointed.,,Consent provided,Web,2017-01-10,Closed with monetary relief,Yes,No,CR2283152,11714
2017-01-10,Bank account or service,Savings account,"Account opening, closing, or management",,"Eagle National Bank took my money due to a Eagle National Bank system glitch/error and wo n't give me back my money. 

I want my money back Eagle National Bank took from my Rewards XXXX Savings Account due to a Eagle National Bank system error!!! It is absolutely insane, unethical, bad business practice for me to be charged a fee for a Eagle National Bank error!! 


Early XXXX 's : My grandmother asked me to save approximately {$1000.00} for her to give to my sister for when she gets married. So I opened a Eagle National Bank CD with this money. This is money I never touch or need to look at on a monthly or even yearly basis. 

XXXX XXXX : By the suggestion of a Bank employee I moved my CD into a Rewards XXXX Savings Account. At the time of opening the account I was told I will not be charged any fees. The fee will be not be charged as I have an interest checking account since XXXX. 

XXXX XXXX : Fees began to be charged to the Rewards XXXX Savings account. {$12.00} was being withdrawn from this account. A Eagle National Bank system error. 

XXXX XXXX : I noticed this Rewards XXXX XXXX XXXX account had dropped below {$1000.00} for some reason and realized a {$12.00} fee had been withdrawn every month since XXXX XXXX ( 7 months ). A total of {$84.00}. 

I called customer service to ask why I was being charged a fee and they said it was because the account was not tied to my interest checking account. I still have my interest checking account ( since XXXX ) so customer service relinked my interest checking account back to this Rewards XXXX XXXX Savings Account. I was then told Eagle National Bank could only credit me 3 months of {$12.00} charges, {$36.00}. They are not able to credit the full 7 months because I only have 60 days to dispute charges. 

I am very frustrated, upset, mad, furious because I 'm paying {$48.00} for a Eagle National Bank error or system error. Eagle National Bank took {$48.00} dollars from my account. I was basically told I should have been looking at my statements and should have notified them earlier. This is insane!! I 'm livid!! Basically I 'm paying {$48.00} to Eagle National Bank so Eagle National Bank can re-link my account due to a Eagle National Bank system error. How is this ethical? How is this right? IT IS Eagle National Bank 's mistake. They are the one 's with the system error! 

I was told by a Eagle National Bank representative I only 60 days to dispute charges. Even if it was a Eagle National Bank error??!! This is TOTALLY insane. This is absolutely bad business practices, completely unethical. The responses and actions are bullying tactics - bullying money out of someone - stealing. Eagle National Bank stole my money. 

This is TOTALLY shady and bad business practices. Is this how Eagle National Bank makes profit, by charging fees in hopes their customers do n't realize they are being charged a fee? Note, this same shady business practice happened to my small business account where fees started showing up when I was told I would n't be charged a fee. Apparently and luckily I caught those fees early enough and was credited back for that account ( I look at that account on a monthly basis ). 

I want the {$48.00} returned to my Rewards XXXX XXXX Savings account ASAP!! Can you please help me get my money back and STOP this BIG BULLY BANK from taking my money and other people 's money!!",,Consent provided,Web,2017-01-10,Closed with monetary relief,Yes,No,CR2282215,928
2017-01-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Hello, I am reporting an issue I had with Eagle National Bank due to their negligent check clearing practices and their arrogant and unresponsive behavior. My predicament dates from XXXX, so, I am not sure if there is something that can be done about it now. 

In XXXX XXXX, I was a victim of check fraud with my account at Eagle National Bank. A fake company offered me a part time job to act as their donations distributor and asked me to disperse funds after the check that they would send over has cleared. Being naive and a student at that time, I fell in their trap and deposited their check upon receipt at my Eagle National Bank Account. Being a little skeptical, I specifically asked EN to let me know when the check clears so that I can assure myself and all they said was that the funds will be available after 3 days. 

I waited for 15 days to see if the check has cleared. After 15 days, when I did n't hear anything from the bank, I sent the money to the fraudsters somewhere in XXXX. 

However, Eagle National Bank came back to me after 45 days and informed me that the check I deposited has bounced. I tried to plead with them and explain them the situation and they did nothing to help me. Their collections department acted arrogant and did n't care to call me back or talk to me despite numerous attempts to reach out to them. They then reported my account to a third party collections agency and had me reported on XXXX because of which, I could n't open a new bank account for XXXXXXXX years. 

They made me go through unnecessary pain and their collections department didnt even respond to my calls or was willing to work with me. As a result of their check clearing practices and unresponsive behavior, I ended up losing XXXX dollars since they forced me to pay this amount back to them from my own personal pocket. 

Even though its quite late, I would appreciate if something could be done about this so that other innocent folks do n't go through the same pain that I went through. 

Thanks XXXX",,Consent provided,Web,2017-01-10,Closed with explanation,Yes,Yes,CR2282462,3450
2017-01-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I received a letter from Eagle National Bank stating that they received a request from an authorized user to validate the debt associated with an account. As I do not have an account with Eagle National Bank, I called the phone number provided on the letter. I was then informed that an account was opened in my name XX/XX/XXXX and then closed XX/XX/XXXX, the same year I was divorced. 
XX/XX/XXXX, my ex-husband added himself, both his current name and his alias, as authorized users to an account in my name which was closed XX/XX/XXXX. Furthermore, the Eagle National Bank letter stated that a credit card had been issued in his name, and that I was responsible for all charges made by the authorized users on the account.The bank could not explain how someone could add himself as an authorized user on an account that was closed. In addition, they explained that the only way he could have done this is to have someone impersonate me, use my social security number, and answer my security question ( s ), which he had to have created in the first place. The representative with whom I spoke shared with me the phone numbers listed on the account, none of which are, or ever have been, mine. 
XX/XX/XXXX, my ex-husband called the bank again to inquire about the balance of the account. 
Another alarming factor of the situation is that the correspondence I received from the bank listed my name and my current address, which been my address only since XX/XX/XXXX. Therefore, my ex-husband was able to provide the bank with an address which was not his, to gain information about an account in my name.",,Consent provided,Web,2017-01-10,Closed with explanation,Yes,Yes,CR2280104,11886
2017-01-10,Bank account or service,Checking account,Using a debit or ATM card,,"This feedback is in regards to Eagle National Bank dispute resolution department. 
On XXXX XXXX, XXXX, there were XXXX charges posted to our account that we did not recognize, in the amount of {$73.00}. We immediately notified the vendor, XXXX and EN. 
XXXX did not show the charge. EN proceeded to follow the dispute process. After numerous phone calls, waiting on hold and broken promises, I sought the assistance of XXXX of the EN branch managers. She assisted with contacting the dispute resolution department yesterday, XXXX/XXXX/XXXX. In speaking with a rep on a conference call, I learned, A- There was a duplicate charge of {$73.00} made by EN which had been credited. B- There was a XXXX window that had passed, therefore EN could not pursue any further. ( My wife had called that same day, spoke to a different rep, and was told they would "" escalate and get back to us in 10 days! ) We have heard this numerous times, check your call logs, no-one ever gets back to us. We followed the directions of the bank to the letter. They did not do their due diligence in righting this wrong. They took the easy way out and sided with the vendor. 
The below were the facts ignored by the bank and XXXX ; 1- The zip code used for this transaction, XXXX, was NOT my zip code. 
2- This was an online transaction, yet NO email address was provided. 
3- The transaction was made while we slept on Tuesday XXXX XXXX @ XXXX XXXX. 
4- The game was retrieved while at my job in XXXX XXXX NJ at XXXX XXXX on the same day. 
5- The game rented was for XXXX, which I do NOT own. 
6- Rental history will show that we have NEVER rented a video game of any kind from XXXX. 
7- We have always returned rentals on a timely basis.",,Consent provided,Web,2017-01-10,Closed with monetary relief,Yes,No,CR2283454,1590
2017-01-10,Bank account or service,Checking account,Deposits and withdrawals,,"To whom it may concern, I am writing this letter to plead my case about why I deserve to have my bank account reinstated. 

A few months ago I was approached by an acquaintance asking for help, he said it was urgent. He told me that he needed me to cash out his money order since he was unable to do it himself because he was having issues with his account and that it would be a big favor if I could do it for him. I had no experience dealing with accounts like this before so was not as suspicious of his motives as I now realize I should have been. I believed him and did him the favor. Now, I realize I got lied to, victimized and hustled. I am ashamed I allowed myself to get taken advantage of and that I was so nave.",,Consent provided,Web,2017-01-10,Closed with non-monetary relief,Yes,No,CR2282671,7127
2017-01-10,Credit card,,Billing disputes,,"I attempted to make a flight reservation between XXXX and XXXX departing XXXX/XXXX/XXXX, returning XXXX/XXXX/XXXX. I did this through XXXX, using my Eagle National Bank Visa card. When I was emailed a copy of the reservation, I called the next day to report that the reservation was incorrect, in that it had us leaving and returning in the same day, XXXX/XXXX/XXXX. After several days, someone at XXXX called and told me that they do not make mistakes. I have a screen shot of my request to XXXX for the XXXX dates. They told me that to change the dates from XXXX to the original dates that there would be substantial change fees and higher priced tickets, if flights were available. We canceled the trip and disputed the charges ( to XXXX and XXXX, although I had contact only with XXXX. The airlines have disputed my claim, saying that the reservations were legitimate, and Eagle National Bank is siding with them and saying I must pay the approximately {$1700.00} charge. Apparently, XXXX sits in the background. 

This charge, as well as the underlying reservations are incorrect. I asked XXXX yo correct the dates and their mistake and they would not do so. Eagle National Bank is refusing to look into this any further. 

Can you help me? 

Thanks, XXXX XXXX",Older American,Consent provided,Web,2017-01-10,Closed with explanation,Yes,No,CR2282110,5134
2017-01-10,Credit card,,APR or interest rate,,"I opened a credit card that had 0 % interest and made a {$14000.00} purchase. On XXXX XXXX, 2016 I was charged {$150.00} for interest. I made several calls to EN and opened a CFPB request when I did not receive my {$150.00} refund. On XXXX, I paid {$13000.00}, which was the entire balance minus the fee. On XXXX, I paid for the {$150.00} to prevent future charges while the CFPB investigation was taking place. I received a {$150.00} refund on XXXX/XXXX/2016, which was as expected. On XXXX/XXXX/2016, however, I was charged {$73.00} additionally for interest. I was not expecting this charge and I did not receive a refund when I called in about it.",,Consent provided,Web,2017-01-10,Closed with monetary relief,Yes,No,CR2282105,11406
2017-01-10,Credit card,,APR or interest rate,,On XX/XX/XXXX I made a payment of {$15000.00}. It left a negative balance of - {$150.00}. On XX/XX/XXXX I received a refund from a merchant in the amount of {$29.00} which left me with a NEGATIVE balance of - {$180.00}. I made XXXX purchases on XX/XX/XXXX in the amount of {$1400.00} and {$110.00}. How can I be charged {$100.00} for interest on XX/XX/XXXX when I paid off my entire balance and had a credit??? I believe I was improperly charged interest in the amount of {$100.00}.,,Consent provided,Web,2017-01-10,Closed with monetary relief,Yes,No,CR2282424,9417
2017-01-10,Bank account or service,Checking account,"Account opening, closing, or management",,Account was flagged for fraud. This account was a account that was opened for a specific reason. The account had very little activity as the reason for opening the account did not play out as soon as I had thought. After I attempted to finally use the account I found that there was activity several months ago that was not from me. The account was flagged for fraud rightfully so but EN never reached out to me to let me know. EN customer service says they tried to contact me via telephone one time but i do not have voicemail regarding my EN account. Several months later when i discovered the issue EN says I will most likely have no actions taken to retrieve the money as it was far to long ( roughly 6 months ). I dont believe I was contacted properly and I do not have a paper trail or voice mail. my complaint is for the lack of effort on a banking institution to contact a customer when fraud is being committed. The money is a small amount but what truly bothers me is the lack of help i received from the bank after being a victim of fraud and robbery.,,Consent provided,Web,2017-01-10,Closed with explanation,Yes,No,CR2283099,450
2017-01-10,Bank account or service,Checking account,Deposits and withdrawals,,"Three months ago I file a complaint stating what happen with my Eagle National Bank account where {$200.00} dollars practically disappear from my account. Three weeks after my complaint I received a letter from my local branch manager to talk about how we can fix the issue. It took me one month and a half for him to called me back. Today is been four months since my first complaint and counting. As I stated before on XXXX I try to transfer {$100.00} from my savings to my checking account, I made a mistake and transferred {$100.00} to my savings instead of my checking, it took me just two seconds exactly for my to realize my mistake and fix the problem right away. The next day I saw that my account had insufficient funds and I call customer service to find out why this happen, What I got was an attitude from the representative and no solution to this problem. This is not how banks should deal business, I know they have policies in place to protect their business but XXXX thing is that this bank took the money on fees when I did n't even take that money out of my account.",,Consent provided,Web,2017-01-10,Closed with monetary relief,Yes,No,CR2283544,2373
2017-01-10,Credit card,,Customer service / Customer relations,,"On XX/XX/XXXX I called Eagle National Bank Account Services department because my account was past due. I spoke with a representative that advised my account was past due and that if I was able to bring the account current, he would wave my late fees for the last 2 months if I were to remit a payment of {$140.00}. I agreed to this and authorized a payment of {$140.00} through the saved checking account on file. 2 days later when checking my account at night, I saw that Eagle National Bank took out {$1000.00}. I called XX/XX/XXXX FURIOUS, cursing and yelling at every representative I spoke with demanding I speak with a manager in the Account Resolution department. I was hung up on several times and the representatives that did not hang up on me advised me that I could not speak with a manager that I had to wait on that following Monday for a manager to call me back, So I called back and requested to speak to the customer service department and was transferred to an agent, I immediately requested to speak with a manager. The manager advised me that she could not help me with getting a refund because the error occurred in a different department and the money would have to come out of there books. I called Monday morning demanding to speak with a manager and kept being advised the same thing over and over again ; I also continued to be hung up on as well. I called Tuesday XX/XX/XXXX and was told that my request to speak to a manager was not put in and that I would have to wait on a Account Services manager to call me back the next day. No entry level employee would assist me in getting my money back. Wednesday XX/XX/XXXX, I called back and asked to speak with a manager and was told that it would take 24-to 48 hours for someone to call me back I hung up and called back and requested to speak to customer service department. I was able to get a manager on the phone and the manager stated that she would not be able to refund the entire amount of {$1000.00} because she could not put my account back delinquent, we agreed to my refund of {$870.00}. She stated that she could not have the refund credited back to my account, and that the check would be sent regular mail and it would take 7 to 10 days, because of the holiday season. I called after XX/XX/XXXX inquiring about my refund and the representative stated tp o give it until Friday XX/XX/XXXX and if I did n't get my check to call back. Well I waited until Monday evening XX/XX/XXXX and I still have n't gotten my money back. So I called to speak with another manager. She advised me tonight that the check was mailed, there is n't anyway to confirm the check was mail, she is only going off what the notes say, she cant control the mail and if I have the check canceled it will take2 business days to have another check issued and another 7 to 10 days for me to get my refund regular mail. She stated that she does n't know what is going on in my personal life but she was sorry and that it was another department that caused the error. I have to keep reminding these managers and employees that they all work for the same company. I keep advising I need my money back and no one seems to care that it has almost been 30 calendar days since this accounting error happened. I feel ignored mistreated and taken advantage of. It does not matter if I call cursing or if I call being reasonable, at the end of the call I get told, there is n't anything else I can do for you and I 'm sorry you do n't have your money, I have to wait on my {$870.00}. I feel I should not have to wait this long and when I asked for the president of Eagle National Bank or to speak with her manager she declined to give me the information and gave me the correspondence address to escalate further above her and that I would still have to wait to get my refund. These tactics are unethical and I still have to make my payment even though I still do n't have my money back.",,Consent provided,Web,2017-01-10,Closed with monetary relief,Yes,No,CR2280451,1980
2017-01-10,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2017-01-10,Closed with explanation,Yes,No,CR2281190,10350
2017-01-10,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-01-10,Closed with monetary relief,Yes,No,CR2283490,7672
2017-01-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-10,Closed with monetary relief,Yes,No,CR2280065,1728
2017-01-09,Bank account or service,Checking account,"Account opening, closing, or management",,"I paid off the entire balance owed to Eagle National Bank for an account that was closed in 2013. They agreed to remove the fraud notice off of XXXX once I paid it. I waited a month and it still was not off of my record. I disputed it with XXXX and they would not remove it after an additional month saying that Eagle National Bank said they did n't agree to remove the alert, even though I paid the balance. This is not true, and I would like it removed from my XXXX record.",,Consent provided,Web,2017-01-09,Closed with explanation,Yes,Yes,CR2281840,3234
2017-01-09,Credit card,,Billing disputes,,"I am incredibly dissatisfied with the way Eagle National Bank has handled a disputed transaction of {$6900.00} to XXXX XXXX XXXX. This fraudulent Telemarketing Company conned me into paying them {$14000.00} for nothing. I reported this to Eagle National Bank and provided them with all the information necessary to prove that the company scammed me and although it seems they have refunded the {$7400.00} they have decided in favor of the merchant on the other {$6900.00} citing that they "" deserve to be paid for any services that were rendered ''. What this company sold me vs what was "" rendered '' was nothing as they described. As far as I am concerned, this company did NOT render the services as described and Eagle National Bank is allowing these thieves to operate. 
I have been informed by the XXXX, that I have the right to dispute charges like these using "" Claim and defenses '' and I would like this to be properly investigated as such.",Older American,Consent provided,Web,2017-01-09,Closed with explanation,Yes,No,CR2281139,4923
2017-01-09,Credit card,,Closing/Cancelling account,,"I have decided to file a complaint through the Consumer Financial Protection Bureau after I was assigned a regulatory complaint servicing specialist through Eagle National Bank. XXXX XXXX, the specialist assured me she would get to the bottom of the situation and resolve it quickly. The deadline for her response has passed and her number is no longer in service. 

It all started with the worst banking experience I have ever had. XXXX phone call lead to my account being closed without my permission and my credit slashed. 

I called to inquire about a balance transfer to a card that I have had a zero balance since XXXX. Do to some issues with my account, card services was unable to assist me so they transferred me to a credit analyst XXXX XXXX XXXX XXXX. I explained to XXXX what I was looking for and he said he would see what he could do. He asked me tons of questions regarding financial hardship, income, where I live, how I was able to make such large payments, etc. After all that he said he was unable to offer me anything but to keep an eye out. I told him that I was recently offered an offer which just expired, and he assured me he could n't reinstate it. I expressed to him that I have been receiving offers from other banks and did n't see the need to keep this account open if BofA could n't help me out. He said he would close the account, I interrupted him and said "" do not do anything to my account till I speak to your manager ''. 

I was transferred to XXXX XXXX. XXXX was nice and wanted to know what was going on. I explained to him and he said to hold and he 'd check it out. Note : this entire time I 'm hoping for an offer or at least an option for a balance transfer. 

XXXX comes back saying that after further review the Bank Americard Visa XXXX ( XXXX XXXX is closed and that my {$10000.00} credit limit on the BankAmericard Cash Rewards Visa XXXX was reduced to {$2900.00}. Shocked I asked him why my account was closed when XXXX said I did n't have any offers but to keep an eye out? XXXX responded with "" well you closed the account ''. I told him that I instructed XXXX to not do anything to my account until I spoke to his supervisor. XXXX could sense the misunderstanding but said there was nothing he could do. 

I called Eagle National Bank because I wanted to see if they could help me. I started banking with them when I was XXXX, a freshman in college. I have been loyal ever since. When I called I was hoping for some guidance, maybe not the answer I wanted, but at least some guidance. But the answer I got was completely different. I 'm modified at what happened and really upset over the outcome.",,Consent provided,Web,2017-01-09,Closed with explanation,Yes,No,CR2281000,11860
2017-01-09,Bank account or service,Savings account,Deposits and withdrawals,,"I went into Eagle National Bank on XX/XX/2017 to make a deposit. I handed the teller my check with XXXX endorsements from myself and my husband, the check is my income tax from last year taxes. The teller told me the funds would be available on XXXX, they was not. I was told by several supervisors that the funds would be available on XXXX. I was told after coming to the bank that the fraud department is looking into the situation. I have deposited several items that have my husband and my name on it as well as others. Why do I have to be treated like a criminal?",,Consent provided,Web,2017-01-09,Closed with non-monetary relief,Yes,No,CR2280766,11491
2017-01-09,Credit card,,Billing disputes,,"I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.",,Consent provided,Web,2017-01-09,Closed with explanation,Yes,No,CR2281731,1124
2017-01-09,Credit card,,Unsolicited issuance of credit card,,,Older American,Other,Web,2017-01-10,Closed with explanation,Yes,No,CR2279882,1051
2017-01-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-09,Closed with explanation,Yes,No,CR2280670,10998
2017-01-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-09,Closed with explanation,Yes,No,CR2281578,818
2017-01-09,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2017-01-09,Closed with monetary relief,Yes,No,CR2281422,4556
2017-01-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-09,Closed with monetary relief,Yes,No,CR2281907,717
2017-01-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2017-01-09,Closed with explanation,Yes,No,CR2281010,3074
2017-01-08,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank has charged a couple of fee charges to my account in the past month. 
1. A {$12.00} fee was charged as maintenance to my checkings account on XXXX/XXXX/17. I 've never seen such a charge on my account before. 

2. A {$35.00} overdraft fee charged to my checkings account a month ago. I 've linked my savings account to my checkings account for OD protection.Besides I have two other accounts including joint checking and business account with them with enough balance at all times. 

I would like them to remove both these fees from my account. My family and I have given them enough business and we notice the more accounts we open they more they charge us with such fees.",,Consent provided,Web,2017-01-08,Closed with monetary relief,Yes,No,CR2279921,3042
2017-01-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,I was solicited by Eagle National Bank to transfer a balance with a a promotional 0 % on the transfer and purchases for 18 months. That is how it was presented per phone conversation XX/XX/2016. The very first purchase I made on top of the balance transfer was charged interest. When I called they said ONLY the balance t transfer was promotional. That was NOT how it was presen ted. I had a credit card with low interest rate. EN has CSR that misrepresent. I called to make sure I asked all the right questions when I got their solicitation in mail. This is their MO. Since you NEVER know who you are talking to and where except today when I called to complain. I actually spoke to someone I could understand. Funny how that worked.,,Consent provided,Web,2017-01-08,Closed with monetary relief,Yes,No,CR2280037,2495
2017-01-08,Bank account or service,Savings account,Deposits and withdrawals,,"In XXXX of 2014 I started a new job and was given a paper check for my first payday. I deposited this into my XXXX XXXX bank account and was told the items would be available the next business day. I wrote a check to deposit funds off of this account to transfer to my Eagle National Bank Account. XXXX put a delayed Reg CC hold on the paycheck and bounced the check I had written to the Eagle National Bank account, causing the Eagle National Bank account to go negative. Eagle National Bank closed my account and reported me for fraud, even though I have since paid back any amounts owed, and supplied them with documentation that the funds were there. Eagle National Bank refuses to work with me to clear my name or allow me to open another account. This has lead to issues opening new bank accounts as well. I would like all negative information on file with Eagle National Bank removed as the funds were there to cover this transaction.",,Consent provided,Web,2017-01-08,Closed with explanation,Yes,Yes,CR2279755,1284
2017-01-08,Credit card,,Billing disputes,,"AS INSTRUCTED BY XXXX CONFIRMATION RECEIPT, I CALLED TELEPHONE NUMBER GIVEN XXXX ON XXXX XXXX, 2016 UPON ARRIVAL AT XXXX XXXX XXXX, ( APPROX XXXX ) TO HAVE SOMEONE PICK ME UP TO GET THE CAR RENTAL IN NERABY PROXIMITIES. I WAS INFORMED BY REPRESENTATIVE WHO TOOK THE CALL THAT THERE WILL BE AN EXTRA CHARGE OF {$17.00} PER DAY TO THE EXISTING RESERVATION BECAUSE THE PICK UP WAS SUPPOSED TO OCCURR AT XXXX. I EXPLAINED TO REPRESENTATIVE THAT I HAVE NO CONTROL OF FLIGHT DELAYS AND CUSTOMS DETENTIONS W/ THE LUGGAGE. HOWEVER, IT APPEAR THAT YOUR COMPANY IS CARELESS ABOUT THIS DELAYS PROCESS AT THE AIRPORT. IT WAS NEVER INFORMED TO ME THAT I WAS GOING TO BE PENALIZED FOR THIS. I SAID THEN THAT IF EXTRA CHARGES WERE GOING TO BE APPLIED TO MY EXISTING RESERVATION WITHOUT TAKING IN CONSIDERATION THE DELAYS OF THE FLIGHT, THEN I WILL NO USE THEIR SERVICES. I WAS NOT INFORMED OF ANY CANCELATION FEES AT THE MOMENT. MY POINT IS THAT I DID CALLED TO HAVE SOMEONE PICK ME UP AT THE AIRPORT TO GET THE CAR AND YOUR COMPANY DECIDED TO PENALIZED ME FOR THE DELAY SO I DECIDED NOT TO USE YOUR SERVICES.",,Consent provided,Web,2017-01-08,Closed with explanation,Yes,No,CR2280008,4674
2017-01-08,Credit card,,Credit line increase/decrease,,"My complaint is against Target Redcard credit card. I recently received a letter from them that they have lowered my credit limit because I was not paying it off fast enough and have balances on other cards, even though I make my payments on time every month. For months, they kept upping my credit limit, which I never asked for and as a result of this, there were hard inquiries on my credit rating from them which hurt my credit scores and now they want to lower my limit after they are part of the reason my credit scores have gone down? I find this unfair. I never asked for them to keep upping my limit and was not aware that their inquiries were hurting my credit. I plan to pay off this credit card and never use it again. I feel that they contributed to my credit score being lowered by these inquiries. There are also many other complaints about this card online and believe they should be looked into for this.",,Consent provided,Web,2017-01-08,Closed with explanation,Yes,No,CR2279758,3477
2017-01-07,Bank account or service,Checking account,Problems caused by my funds being low,,"I was charged a Monthly Maintenance Fee of {$12.00} for a statement cycle. They required me to maintain a minimum of {$1500.00} a day in the statement cycle for the month. When I contacted them, I was told that I was charged for a cycle from previous statement, and were reluctant to give me a refund",,Consent provided,Web,2017-01-07,Closed with monetary relief,Yes,No,CR2279411,1794
2017-01-07,Bank account or service,Checking account,Deposits and withdrawals,,"On XX/XX/2017 I made a deposit of over {$6000.00} via my mobile phone. Not knowing a hold would be placed for over 10 days. The mobile app does not tell you if a hold would be placed prior to you making the deposit. I found out after the fact. I then immediately called the bank to see if I could cancel the deposit as I could not wait 10 days. The first gentleman told me he would send it over for review and wait 24 hours. I then called the following day on XX/XX/XXXX and spoke to a young lady who told me the gentleman did not send it over and she would do it now, but I would have to wait another 24 hours and provided me with the number to follow up XXXX. I then asked her did they work on XXXX she said yes which again was a lie. I called Eagle National Bank again today just to follow-up and was told that department was closed and the hold was now extended again! I was very upset and the gentleman I would assume to get me off the phone was like is it XXXX yet. I replied it 's not, but if the department is closed how is that going to help my situation. Eagle National Bank needs new measure in place to advise their customers using the mobile app if a hold will be placed prior to the finalizing of the deposit. This was loan from my 401k XXXX for bills which now can not get paid of an extra 10 days have to expire. Its taking me longer to get MY money then it was for the approval and delivery of my check.",,Consent provided,Web,2017-01-10,Closed with monetary relief,Yes,No,CR2279470,2515
2017-01-07,Credit card,,Billing disputes,,nordstom with them 20 years starting in XX/XX/2014 a bunch of stonewallers put notes not to refund my interest. you know POWER politicians this is just to show how many power people are ouf there. i asked for interest back now i was told no. i then closed my card and asked for the refund they say now they will not refund the interest but closed the account. this is what the enxt president has to take on. GREED like this. i know i will get a script answer its valid. oh yes its valid but my business for 20 years is valid. too. Banks will write off fees when you dont pay at all but bad banks will not help good customers. no answer will address this but publish nordstrom bank is greedy powerful politicians and i am done. also i will NOT be paying the unrefunded interest if i have to i will fight ya at the credit bureaus. keep your scripted answers to yourself I am done. its a greedy day in america they are willing to lose me over XXXX dollars of itnerest XXXX XXXX refunds me every month GOOD RIDDENS,,Consent provided,Web,2017-01-07,Closed with explanation,Yes,Yes,CR2279370,1547
2017-01-07,Credit card,,Advertising and marketing,,,,Consent not provided,Web,2017-01-07,Closed with explanation,Yes,No,CR2278381,2349
2017-01-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-10,Closed with non-monetary relief,Yes,No,CR2279552,3901
2017-01-06,Bank account or service,Checking account,Problems caused by my funds being low,,Eagle National Bank reordering my debit card transactions and holding small transactions back until big transactions get my account low and then pushing through the small transactions to see how many they can charge a NFS returned fee for. The returned fee is {$35.00} and these crooks have stolen XXXX from me over the last few short months by showing me a debit card transaction is paid on my account page and i have x amount of dollars left but then they say thats not accurate and magically those small transactions are witheld from debiting until it would create a returned nsf fee. This company is crooked!,,Consent provided,Web,2017-01-09,Closed with monetary relief,Yes,No,CR2278924,4697
2017-01-06,Bank account or service,Checking account,Problems caused by my funds being low,,I became ill in 2009. I was XXXX. I was charged fees of over {$600.00} by Eagle National Bank for a roughly {$100.00} overdraft. They say they had a contract with me. It is my contention that I could not honor the contract not could they engage in a contract with me because I was XXXX. I have since become XXXX and am diagnosed with XXXX.,,Consent provided,Web,2017-01-31,Closed with explanation,Yes,No,CR2275882,511
2017-01-06,Bank account or service,Checking account,"Account opening, closing, or management",,"I have a credit card and checking account with Eagle National Bank and the accounts disappeared from my online banking profile. When I called Eagle National Bank, they indicated that they had marked me as deceased in their systems and began the process of closing those accounts. They could not give me a reason why this occurred and I am I concerned about potential identity theft.",,Consent provided,Web,2017-01-06,Closed with explanation,Yes,No,CR2279119,2547
2017-01-06,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a Eagle National Bank checking account based on a deal for {$300.00} if I made {$4000.00} in direct deposits within 90 days of opening the account. I fulfilled this condition and was not given the bonus. I reported this to the bank several times, including by phone, chat, and fax, and never received a response.",,Consent provided,Web,2017-01-06,Closed with explanation,Yes,Yes,CR2278711,21
2017-01-06,Bank account or service,Checking account,Deposits and withdrawals,,"I XXXX XXXX XXXX XXXX have a complaint with Eagle National Bank, I had an account with Eagle National Bank in XXXX TX. My account was completely cleaned out, all of my money had been withdrawn without my consent. I never signed any authorization for anyone to remove funds from my account. I feel that this was an inside job, from someone working at the branch were my account was located. Please contact me to gather more details regarding this matter.",,Consent provided,Web,2017-01-06,Closed with explanation,Yes,No,CR2278034,811
2017-01-06,Credit card,,Billing disputes,,I paid off my credit card in full on XX/XX/XXXX with Eagle National Bank on a closed account. On XX/XX/XXXX I received a bill from Eagle National Bank for {$1.00} cents. When I called to ask were this charge came from the phone rep said it 's the minimum charge for all credit cards. I told her that my account was paid in full on XX/XX/XXXX and has been closed for over 10 months. She said that makes no difference and if I do n't pay the {$1.00} I will be charged a {$37.00} late fee for every month it 's not paid. I checked the statement they provide online and it does n't show anywhere this {$1.00} came from. How can I be charged a minimum charge on a card that 's been closed for ten months.,Older American,Consent provided,Web,2017-01-06,Closed with monetary relief,Yes,No,CR2275858,4410
2017-01-06,Credit card,,Identity theft / Fraud / Embezzlement,,"On XXXX XXXX 2016 I visited a restaurant where l signed a receipt for {$820.00}. A few days later I was charged {$1600.00}. I immediately contacted EN and filled a dispute. on XXXX XXXX, 2016 I received a letter from Eagle National Bank stating that their investigation for the dispute has been completed and that EN is unable to pursue the charges. Included in their letter they provided with signed copies of receipts which shows only XXXX of the XXXX signatures are mine. I did sign "" commitment letter at the establishment agreeing to a {$500.00} charge which later came out to be {$820.00}. However, I do not recognize the other XXXX signatures on the {$1600.00} receipts. 

Please re-open this investigation as requested by consumer.",Servicemember,Consent provided,Web,2017-01-06,Closed with explanation,Yes,No,CR2279041,2391
2017-01-06,Credit card,,Billing disputes,,,,Consent not provided,Web,2017-01-06,Closed with explanation,Yes,Yes,CR2275608,3100
2017-01-06,Credit card,,Privacy,,,,Consent not provided,Web,2017-01-06,Closed with explanation,Yes,No,CR2277724,4502
2017-01-06,Credit card,,Payoff process,,,,Consent not provided,Web,2017-01-06,Closed with explanation,Yes,No,CR2278620,12810
2017-01-06,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,Other,Web,2017-01-10,Closed with monetary relief,Yes,No,CR2278343,1530
2017-01-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Other,Web,2017-01-06,Closed with explanation,Yes,No,CR2278923,4333
2017-01-06,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2017-01-06,Closed with explanation,Yes,No,CR2276551,562
2017-01-06,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-06,Closed with explanation,Yes,No,CR2278004,4268
2017-01-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-06,Closed with explanation,Yes,No,CR2277791,3519
2017-01-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-06,Closed with explanation,Yes,No,CR2277794,1439
2017-01-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2017-01-06,Closed with explanation,Yes,Yes,CR2277969,4674
2017-01-05,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bankn direct deposit funds into the incorrect and they were notified, however the funds were not rejected and returned to the original source. This has gone on for the past two months with this discrepancy and nothing has been done to rectify this issue.",,Consent provided,Web,2017-01-05,Closed with explanation,Yes,No,CR2277250,2598
2017-01-05,Bank account or service,Checking account,Deposits and withdrawals,,"I am a XXXX XXXX XXXX on XXXX/XXXX/XXXX I have transfered money into my mothe account XXXX XXXX XXXX XXXX with XXXX BANK. 
I just found out the money went into a different account, and Eagle National Bank refuses to help me I have spent the whole day over the phone I XXXX went in perosn to the local bank. 
and they did nothing so I m lossing my {$500.00} dollars even do they know it went into a different account. 
I do need this money I have no money. 
XXXX XXXX XXXX",,Consent provided,Web,2017-01-05,Closed with explanation,Yes,No,CR2277496,924
2017-01-05,Bank account or service,Checking account,"Account opening, closing, or management",,"My wife died on XXXX/XXXX/XXXX. I filed a death certificate with the bank immediately thereafter. The bank has, recently, been calling me asking to speak to her. When I ask what it 's about they say "" it 's confidential '' and refuse to give me even any general information, i.e. 'it 's a security fraud ', or, 'we 're checking on a check that 's been submitted ''. Now they have closed MY XXXX main accounts,XXXX & XXXX ( my SS check goes to this accoount ), for no legitimate reason, and removed OVER {$270000.00} on or around XXXX/XXXX/XXXX. They refuse to reopen my accounts and have not returned my money. I was told on XXXX/XXXX/XXXX that XXXX check was "" overnighted '' to me. As of today I have n't received anything and I have spent almost XXXX hours and XXXX phone calls to no avail. This is outrageous! My credit is being affected, not to mention all the checks I sent to pay bills which are being NSF 'd.",Older American,Consent provided,Web,2017-01-05,Closed with monetary relief,Yes,No,CR2276549,3682
2017-01-05,Credit card,,Unsolicited issuance of credit card,,"I applied for an XXXX XXXX Visa Signature Card with Eagle National Bank. The offer was for XXXX XXXX Miles and a {$100.00} statement credit after spending {$1000.00} on the card. 

However, after applying, my account was sent to 'pending '. After calling pending, my account was opening as an XXXX XXXX Visa Platinum Plus account, without informing me. Additionally, even though I applied for a specific offer, the terms were changed without my permission, and an account that I did not want was opened without my permission. The reason given was 'the Signature card requires a {$5000.00} credit limit, but you only received a {$2000.00} line '. However, I had {$31000.00} in available credit with the bank that an analyst was easily able to move over. The analyst was XXXX in the Preferred Credit group. So, the credit was there, but the agent chose to open an inferior account ( not the account that I applied for ) in order to charge me an annual fee without giving the bonus that was promised. 

This seems to be very deceptive and fraudulent, advertising a bonus and then changing the terms without my permission.",,Consent provided,Web,2017-01-05,Closed with monetary relief,Yes,No,CR2274186,228
2017-01-05,Credit card,,Customer service / Customer relations,,"I called Eagle National Bank to activate my card as an authorized user, which I received in the mail. The call went to the Fraud Dept. They said that my mom 's account was on hold by the Risk Dept. XXXX of the Risk Dept said she could not speak with me about the account. She needed to speak to my mom as the primary account holder. I got my mom on the call. She asked my XXXX XXXX XXXX mother, who does n't speak XXXX and for whom I have always handled her affairs, to tell her how long she has lived in her current address. My mom could n't remember the exact date but said we had been living there for XXXX something years. The correct answer was XXXX. XXXX said that was an unacceptable response and was unable to verify the information and refused to assist us any further. When I asked to speak with a supervisor because she was being difficult, she hung up the phone on my mother and me. She was rude and unprofessional. Now, every time I call back, XXXX must have written some notes on the account that would force us to go into a Eagle National Bank branch because every person we have asked for help has refused - with the exception of XXXX ( I think that was her name ) which could relate and empathize as she cared for elderly parents as well. And even when speaking to a supervisor and answering the security questions correctly because I am looking at the details online, I was told that they could not verify my mom and could not help us further. In my 44 years on this planet, I have never, ever been subjected to this mistreatment in my life by a credit card company. Please help.",Older American,Consent provided,Web,2017-01-06,Closed with explanation,Yes,No,CR2277360,6844
2017-01-05,Credit card,,Late fee,,"The purpose of my complaint is to draw attention to a potentially abusive practice - as defined by UDAAP regulations - that Eagle National Bank may be employing with their credit card customers. 
I have had a Eagle National Bank XXXX for many years and have been working diligently to pay it off completely. I set up payment arrangements with them about XXXX years ago to finally reduce and eliminate my credit card debt with them. These arrangements include direct debit ( ACH ) payments from my checking account near the beginning of every month. I am a senior citizen on a fixed income, so I have to "" stretch every dollar '' in-order to make ends meet. 
I was showing my latest account statement to my son recently, and he noticed that I have been charged a "" Past Due Fee '' every month by Eagle National Bank in the amount of {$22.00} ( see attached statement, page XXXX of XXXX. ) However, I set up payment arrangements with Eagle National Bank a couple of years ago and set up automatic ACH payments from my checking account ( not with B of A ) in the amount of {$100.00} to come out on or around the first of each month. According to my statements, my payment due date for this account has always been on the XXXX of each month. 
My complaint is simply this : If I 'm making regularly scheduled payments via XXXX well in-advance of the account 's due date, why am I being assessed a "" past due '' fee EVERY month? 
In analyzing my most recent statement further ( enclosed/attached, ) I discovered that according to B of A, I have paid over {$400.00} in past due fees in XX/XX/2016, which amounts to {$120.00} more than I paid in interest during the same time period! ( see attached statement, page XXXX of XXXX. ) I believe this is both unfair and abusive for several reasons : Since I have automatic payments set up, there should NEVER be a past due fee. Especially since my ACH payment date is always several weeks prior to the due date on the account By assessing "" past due '' fees each month, this could have a negative impact on my credit score which is not only detrimental to me financially, but also potentially fraudulent, since my payments have never been late. 
After I discovered this "" Past Due '' charges, I called Eagle National Bank directly and brought this matter to their attention. The representative I spoke to told me they would no longer assess these "" Past Due '' fees, which I appreciate. However, they made clear they would not reimburse me for the amount of the past fees, which is unfair, considering my perfect on-time payment history. 
I bring this to your attention because I fear I 'm not the only customer they are unfairly charging these "" past due '' fees. 
As I stated earlier, I 'm a senior citizen living on a fixed income. I have to watch my money closely and do n't live an extravagant lifestyle. However, I 'm doing fine with what I have. But I know there are many senior citizens who are less fortunate than me and I 'm very concerned that Eagle National Bank is negatively impacting their lives through exorbitant fees and potentially damaging credit reports. 
I look forward to your timely response and investigation into this matter. 
Sincerely, XXXX XXXX",Older American,Consent provided,Web,2017-01-05,Closed with explanation,Yes,No,CR2275840,1121
2017-01-05,Bank account or service,Checking account,Problems caused by my funds being low,,"I have a small business account with Eagle National Bank. I was charged an overdraft fee of {$70.00} on XXXX/XXXX/2017 for checks posted on XXXX/XXXX/2017. I had enough funds in the account to cover the checks that were posted on XXXX/XXXX/2017, but was charged XXXX overdraft fees. I called the XXXX banking department this evening to get the fees refunded to my account but was told it can not be done without an explanation.",,Consent provided,Web,2017-01-05,Closed with explanation,Yes,No,CR2276471,3473
2017-01-05,Bank account or service,Checking account,Problems caused by my funds being low,,"Im so tired of How the bank rearranges my debits and constantly charges over draft fees I spend most of my money back to the bank in hundreds Im on a fixed income and I know if I use my card and money not there I get a {$35.00} fee..However I also go to atm pull mini statements and call almost daily to keep track of my acct ONLY to notice that they rearrange items and Hit me with {$70.00} fees at a shot several times I cant afford this and after yrs of watching this happen I came here to find help. Example My automatic ins pmt came out, it left me minus over {$200.00} they pd it and charged the fee {$35.00} Ok ( it wasnt suppose to be on auto pmt ) so got it Now that was pd on XX/XX/XXXX it was on my auto call when checked acct ..My Deposit came in of {$310.00} and {$22.00} so it covered that pmt and fee but left me still overdrawn over {$200.00} and both were done around same time due to early deposits for holiday Yet although dep was in I was charged {$70.00} My XXXX deposit of {$430.00} came in and Now they changed the dates of actions ( to XX/XX/XXXX ) and I had {$160.00} to the good then bank charged me again {$70.00} and left me minus $ XXXX..This has been happening like forever I need help ... ... also I have been minus at times but went right away to put the money in on the same day but still charged {$35.00} fee It use to be if a dep was made prior to XXXX that same evening, no fees were charged Well not anymore I went to bank to question it.. Thanks XXXX XXXX",,Consent provided,Web,2017-01-05,Closed with monetary relief,Yes,No,CR2277261,1207
2017-01-05,Bank account or service,Other bank product/service,Deposits and withdrawals,,"Personal checks. Money Order vs. Certified Check. Which one has more protection? Certified Check? WRONG!!! I purchased a certified check in the amount of {$2400.00} which cost {$8.00}. We purchase certified checks as a way of the insuring the transference of funds between XXXX entities. I made the grave mistake of trusting the USPS to deliver the check without certifying it first. I simply addressed an envelope, inserted the check, and mailed it. I assumed the check would reach its intended destination within XXXX3 business days. Needless to say the check was lost in the mail. I called Eagle National Bank to stop payment on the check. I even had the lawyer the check was intended for on the phone when I called the bank supervisor. I was shocked to find out that they do not stop payment on certified checks until 90 days after the initial check certification. The lawyer I owed us now in the process of suing me on behalf of the doctors I initially owed and I do n't know what to do. I do n't understand how certifying the check ( for {$8.00} ) really protected me. A money order would 've been able to be stopped however money orders can not exceed {$1000.00}. I would 've had to buy XXXX money orders at {$3.00} each ( $ XXXX $ XXXX $ XXXX {$2400.00} ). I was under the assumption that a bank check had more protection than a money order or personal check. Well, I was mistaken because anything other than a certified check can be stopped immediately without a XXXX waiting period. I am now trying to do everything in my power to get my money back but Eagle National Bank will not budge. At first, the branch manager said he would stop payment. He emailed me a Declaration of Loss form which I signed, notarized, and returned. After he submitted it to his supervisors, he called and said that bank policy states that I must wait 90 days to declare the check lost. Even after I declare the check lost, I still have to wait until the bank completes an investigation before they release my my back to me. The irony is that the bank has the money in their possession as I am telling them that the certified check was lost. They would rather play a wait and see game than reverse the check. I do n't get it at all. They tell me that this is the policy at every bank, but I do n't think that is true. Is it?",,Consent provided,Web,2017-01-05,Closed with non-monetary relief,Yes,No,CR2275685,3771
2017-01-05,Credit card,,Billing disputes,,,,Consent not provided,Web,2017-01-05,Closed with explanation,Yes,Yes,CR2277417,12324
2017-01-05,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2017-01-05,Closed with explanation,Yes,No,CR2276635,1763
2017-01-05,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-01-05,Closed with monetary relief,Yes,No,CR2276962,3417
2017-01-04,Bank account or service,Checking account,Using a debit or ATM card,,"After online activation of a new bank issued ATM card in the state of XXXX, my online checking account was hacked and an unknown person transferred funds from another linked checking account, on the same date, merchant purchases were made and ATM withdrawals were made in excess of my daily limit in the state of XXXX. I immediately notified the Eagle National Bank. A hold was place on the account. After a review, Eagle National Bank denied the online claim, withdrew the credit for the purchases and ATM withdrawal, but could not provide backup evidence to support the denial. A police report in my home city was submitted attesting to the fact that I did not authorize any of the transactions nor did I travel to XXXX. After requesting Eagle National Bank 's documentation to support the denial, I was told there was no documentation only an opinion that the transaction were authorized because the online access was hacked when activation of the new ATM card occurred. Eagle National Bank also withdrew funds from the new checking account opened with them to cover the funds used to make the unauthorized purchases and ATM withdrawals.",,Consent provided,Web,2017-01-04,Closed with explanation,Yes,No,CR2275109,1898
2017-01-04,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank continually uses their various account access resources ( web module, mobile app, etc. ) to display incorrect balances for my account, causing me to confidently make purchases for which there are no actual funds. These transactions results in irreparable "" overdraft fees '' which are exorbitant and unnecessary. I have repeatedly asked that my ACTUAL balance be shown, that my transactions be made in chronological order, and not in a predatory hierarchy, and that transactions for which there are no funds simply be denied rather than overdrafted. When I bring up these concerns I 'm assured that my concerns will be met. I write this currently overdrawn, because an overdraft fee was issued when my account displayed one amount of money, and a purchase was made for LESS than that amount of money. I was told this was because I did n't ACTUALLY have that much money in my account at the time of purchase ... .well then why in XXXX 's name did your app, your website and your ATM all say I did??",,Consent provided,Web,2017-01-04,Closed with monetary relief,Yes,No,CR2274581,1555
2017-01-04,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank signed me up for a lifetime free checking agreement years ago. I have had an account with this bank since 1988. They have been charging me {$14.00} dollars a month fee and told me that they "" changed '' the terms. This is NOT what the agreement stated when I opened the account. I have had rude customer services express that I am more than welcome to close this account if I am not happy, when I am requesting them to honor their agreement.",,Consent provided,Web,2017-01-04,Closed with monetary relief,Yes,No,CR2275210,3699
2017-01-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Dear Sir or Mis In XXXX I received a new Business credit card from Eagle National Bank because my old card was do to expire in XX/XX/2017. I activate the new card but then stripped the new card by mistake when I call Eagle National Bank they send I would receive a new card in two days. Three days I got a call from the compliance dept. stating they would have to pull my credit report before I could get a new card. I am a ID victim so requiring me to unlock my credit and take a hard it on my credit. On Eagle National Bank web site I can see my credit score every time I log in. I have mortgage and a personal credit card with Eagle National Bank. I was told if I lost my credit card or if it was damage there was no need to take hard hit on my credit score. 
My question is why is it necessary to take a hard hit to lower my credit score because I made a mistake with the new card",Older American,Consent provided,Web,2017-01-04,Closed with explanation,Yes,No,CR2274524,1121
2017-01-04,Bank account or service,Checking account,"Account opening, closing, or management",,"Hello, I am a victim due to Eagle National Bank 's actions. I am currently a XXXX year attending the University XXXX, and during my XXXX break, I was actively seeking for internships. I applied through XXXX XXXX, and one day I received response from one of the companies. That day the company and I had an virtual interview via XXXX. The next day, the company talked more about my details and issued a check which should be used for the virtual internship that I will be doing the XXXX. However, they told me they wanted me to begin training now. After depositing the check, I felt that something was wrong. So I did research and found articles that this internship could be a scam. So immediately I canceled the deposited check or tried too two after it was deposited. However, Eagle National Bank immediately closed my account. I called Eagle National Bank to explain the situation and they told I could do nothing since the check was fraudulent except of mailing evidence to their Risk Management office evidence that I was innocent in which I did. I just think this situation should be reconsidered because I have not used any of the money from the fraudulent check, I tried to cancel the transaction, and that since I am a college student almost about to XXXX a bank account is needed for me ...",,Consent provided,Web,2017-01-04,Closed with explanation,Yes,Yes,CR2275126,4246
2017-01-04,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I made the max contribution for XX/XX/XXXX of {$3300.00} to my Eagle National Bank Health Savings Account ( EN HSA ) on XX/XX/XXXX. That amount was taken from my checking account on XX/XX/XXXX. I checked after 5 weekdays ( the typical time for processing ) and the transaction was still pending, which I attributed to the holidays. I rechecked the next day and the transaction was gone. I looked under help tickets on my account and found that EN had opened a help ticket which stated that my account was closed XX/XX/XXXX due to inactivity and since it had been more than 180 days, they would need verification that I still had an HSA-eligible insurance plan. To my knowledge, I was never informed of the account closing. Also, I was able to make the contribution as I always had in the past-there was no flag on my account that it was closed. Regardless, I contacted XXXX, my insurer, to get EN the info they needed. The XXXX rep was on the phone with me for over an hour as we tried to resolve this situation with EN. After listening to multiple EN reps, it seems the confusion is that my account was set up incorrectly in XX/XX/XXXX, listing XXXX as my employer rather than my insurer. To reopen my account, they want an email from XXXX verifying my employment and insurance plan. Both I and the XXXX rep explained to multiple EN reps that I have an individual policy with XXXX because I am self-employed. I am not now nor have ever been employed by XXXX. Neither I nor the XXXX rep seemed to make any headway with EN ; nevertheless, the XXXX rep faxed a letter indicating my HSA eligibility and we were told it would be taken into consideration but they still needed the employer verification. On Friday, XX/XX/XXXX, I spoke with a supervisor with EN HSA and re-explained the situation. She verified that I was listed as an employee of XXXX and said that she would elevate my help request to critical status, meaning it would be addressed within 24-48 business hours. She also stated that she would call today, Tues-XX/XX/XXXX, with a status update at minimum. I assured her of my appreciation for her assistance but also let her know that I would be filing a complaint with CFPB if there was no follow-through as promised due to the seriousness of the situation. As of XX/XX/XXXX CST, I have received no call. I checked my account online and all my help tickets were listed as "" resolved '' and under account balance "" no record found '' is notated. I have initiated a help ticket of my own on the EN site and am now filing a complaint with CFPB as EN HSA is holding my funds in the amount of {$3300.00} without any notice or plan for resolution. In addition, due to their error in setting up my HSA account, I am currently being blocked from utilizing it in order to process past medical claims that I have paid directly.",,Consent provided,Web,2017-01-04,Closed with monetary relief,Yes,No,CR2272274,4
2017-01-04,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened bank account at Eagle National Bank a month ago. Today I tried to deposit a check, and realized that they closed my account. I visited a branch, the banker did n't know why and he called somewhere ( maybe headquarter? ), but they did n't tell me why they closed it. The banker said that they just decided to close it-It really frustrated me. The only thing I did after opening it was making donation. There was no overdraft and I did n't do anything wrong. 
I XXXX about "" account closed '', and just found out that it could affect me to have problem to open account at any bank.",,Consent provided,Web,2017-01-04,Closed with explanation,Yes,Yes,CR2275060,11596
2017-01-04,Bank account or service,Checking account,"Account opening, closing, or management",,"I ordered new Eagle National Bank checks online in XX/XX/XXXX. On XX/XX/XXXX I still had n't received them, so I called the local EN office to ask about the status. They said they could n't help me, but that they could connect me with customer service, which they did. After going through a XXXX automated phone system, I eventually learned that the checks had been mailed to me on XX/XX/XXXX. But when I selected the number to speak to an XXXX, the system said it could n't help me and hung up. I called the local office again, and they told me to just keep saying "" Speak to an XXXX ''. I called EN customer service back and kept asking to speak to an associate. The system hung up on me. I Googled EN customer service, called the XXXX number, chose the option for "" stolen checks '', and after providing some additional info, finally got a real person. He then put me on hold for a XXXX time before transfering me to someone who confirmed that the checks had been ordered correctly and been shipped to the correct address. Since we never got them, she reordered the checks. This whole process took XXXX minutes. I would have been happy if I had gotten the woman who reordered the checks the first time. We have been with EN/Merrill for many years, including all of our banking, investments, mortgage, and credit card, which together amount to a lot of money. It seems to me that we should receive far better service. This seems to happen every time we deal with EN. We stay with them because we want everything in XXXX place, and we are relatively happy with XXXX.",,Consent provided,Web,2017-01-04,Closed with explanation,Yes,No,CR2275570,12144
2017-01-04,Bank account or service,Checking account,Using a debit or ATM card,,My card was stolen in XXXX. I called Eagle National Bank. I was promised a refund for funds taken out of my account fraudulently without my consent. My account is now overdrawn {$330.00} for charges that I never made and never consented to. I demand for Eagle National Bank to do as they promised and refund the money and credit my account.,,Consent provided,Web,2017-01-04,Closed with explanation,Yes,No,CR2274842,57
2017-01-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,My mother passed away XX/XX/XXXX. We had a home equity line with Eagle National Bank which matured that month. I went to bank after holidays approximately on XX/XX/XXXX to submit papers of her death had death certificate and statements of the account. The representative inputted in their computer and told me a loan office would contact me. I was never contacted. I waited because I had some health issues I once again went to bank of XX/XX/XXXX with a friend and got a runaround they did not have record of my mom 's demise and they wanted me to have a power of attorney. They did not want to communicate with me because I was n't on the account. I had to resubmit the paperwork and still got a runaround till at last they received everything and I was put on the account. I thought I applied for loan remodification but they sent me a denial letter telling me because my mother was dead they could n't do anything. They once again have been sending to all the different departments but XXXX good thing they did was give me the number to HUD which I contacted he went over my finances and said that I could take on this loan as remodification and was appalled when I told him I got a denial letter. He is the one that gave me your information please help. I feel the bank is trying to take over my house. They once again have sent me to a different department the loans but I feel they are going to reject because they said I would have to pay the whole loan before they even talk to me. Please help,,Consent provided,Web,2017-01-06,Closed with explanation,Yes,Yes,CR2275163,4291
2017-01-04,Bank account or service,Checking account,"Account opening, closing, or management",,"The bank sent my money to the wrong account through their mobile app, and have admitted that they are not sure what happened or how money sent to my mobile number was sent into another account. Some of their suggestions have been like so : 1. Whoever had my current mobile number before I had it is probably the person receiving the money. This ca n't be because this number was generated for me XX/XX/XXXX and there were no smart phones in existence on Earth. 
2. Someone set up the mobile app on their phone with my number. This is a clear flaw of their security and they say it 's not their fault. They, however, can not explain how someone can set up a mobile app with only incoming money capabilities. 
3. I am stupid and do n't know how to setup a banking mobile app. I 'd like to note I have XXXX banking apps in my smartphone only, plus another XXXX that I use with regularity on the same smartphone, and have never had this happen to me with any other service. 

They are unwilling to take my money from the wrong account because that account was setup with my mobile phone number. A mobile phone number my bank has had since XX/XX/XXXX, when I opened my first checking account. Another security flaw. 

The amount the bank owes me in mobile transfers is {$720.00}.",,Consent provided,Web,2017-01-04,Closed with explanation,Yes,No,CR2273776,4697
2017-01-04,Credit card,,Credit line increase/decrease,,"Credit line availability increase request - On XXXX/XXXX/XXXX, I requested Eagle National Bank evaluate my current credit availability on my credit card for a potential increase in limit. I submitted a simple form online which asked for basic info like annual income. During the process, I was not asked for Eagle National Bank 's authorization to make a hard inquiry on my credit. However, the credit line increase request resulted in a hard inquiry which had a negative impact on my credit score. 
- On XXXX/XXXX/XXXX, I called Eagle National Bank to request that they provide me with the documentation which supported my authorization of them to pull my credit report. The representative told me that they didnt need my authorization to make a hard inquiry on my credit report.",,Consent provided,Web,2017-01-04,Closed with explanation,Yes,No,CR2274073,2421
2017-01-04,Credit card,,Billing disputes,,I disputed XXXX charge with EN and they did not reassert the charges when provided EN with evidence that I mailed the item to the merchant and the merchant accepted the package.,,Consent provided,Web,2017-01-04,Closed with explanation,Yes,No,CR2275414,284
2017-01-04,Credit card,,Credit determination,,In XXXX I received a replacement Business Credit card for the one that was do to expire in XXXX 2017. I activate the new card and destroy it by mistake and kept the old card when I call Eagle National Bank customer service they said I would receive a new card in two days. Three days later a Eagle National Bank complience office call me and said I would to call to unlock my consumer credit file which is frozen because I am a victim of ID thief. First he gave me to wrong number then when I call Eagle National Bank they told I would have to take a hard hit on my score. Since I can see my credit score on the Eagle National Bank web site anytime I login why is it necessary to take a hard hit on my credit score. I have mortgage with Eagle National Bank and personal Credit card account. They have make it very difficult for me to want to do business with Eagle National Bank,Older American,Consent provided,Web,2017-01-04,Closed with explanation,Yes,No,CR2274922,900
2017-01-04,Credit card,,Customer service / Customer relations,,"On XX/XX/2016 I used my EN Credit Card rewards to book a flight to XXXX on XXXX. Attached is my booking confirmation. I printed out my boarding pass the day before and when I arrived at the airport, I was told that there was a problem. My ticket had been revoked. How could this have happened? You can imagine a XXXX woman, by herself, being told that she ca n't fly to see her XXXX for XX/XX/XXXX. I was in a panic ... they had to get me a wheelchair, as my XXXX was just racing. Luckily, they got me on the flight, but I had to use another credit card to pay for the trip. How could I receive a confirmation and a boarding pass, only to arrive at the airport and be informed that my ticket was no good.",Older American,Consent provided,Web,2017-01-05,Closed with explanation,Yes,No,CR2273488,588
2017-01-04,Credit card,,Other,,,,Consent not provided,Web,2017-01-04,Closed with explanation,Yes,No,CR2274828,399
2017-01-04,Credit card,,Billing statement,,,,Consent not provided,Web,2017-01-04,Closed with explanation,Yes,No,CR2275089,651
2017-01-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2017-01-04,Closed with explanation,Yes,No,CR2273931,2865
2017-01-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-01-06,Closed with monetary relief,Yes,No,CR2274048,3589
2017-01-04,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2017-01-04,Closed with explanation,Yes,Yes,CR2273987,2911
2017-01-03,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I was incarcerated on XXXX XXXX 2016.at the time of my arrest my purse was in the vehicle of a woman I had met only a few weeks prior.I thought it was safe.WRONG.two weeks into my incarceration a deposit was made onto my Eagle National Bank visa in the amount of XXXX XXXX discovered upon my release on XX/XX/XXXX2016 ... I also discovered at this time I had a XXXX BALANCE.I was devastated.I filed a fraud claim with the bank right away.I filed a police report right away.I sent the bank proof I was in jail when each transaction was made.which was XXXX documents, ine for booking, XXXX for transfer to different county, and XXXX for final release.they inconveniently said they did n't get the release document, although they wrre all sent in the same transaction ... so I sent it again ... anyway they denied my claim saying they think I gave thus woman permission ... I absolutely did not.why would I? I hardly new her.I am the mother of XXXX and it was XXXX.please help ... I believe they are pAssing judgement on me ... because I was incarcerated.but what they DO N'T know is that jail saved my life. I was able to escape from my abuser ... some of that money was going to help me start a new life ... I had been waiting a long time for this money.it was back child support owed to me ... please help.the police report case number is XXXXXXXX.filed with XXXX washington police department..first officer XXXX then detective XXXX.then he says he turned it over to XXXX police ... because thats where most of the transactions happened. Then they said he would have never done that ... .I keep getting the run around..ive named the woman in the police report her name is XXXX.I fully want to press charges.I am willing to take a polygraph ... ... .please help me!!!",,Consent provided,Web,2017-01-04,Closed with explanation,Yes,No,CR2271694,3344
2017-01-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My business severed its relationship with Eagle National Bank in early 2016. At the time, we had a {$0.00} balance on all of our accounts. In XXXX of 2016, Eagle National Bank sent us a collection notice for merchant services. 

We informed Eagle National Bank at that time that the debt was invalid and that we do not have any open accounts with the bank. 

Eagle National Bank provided no response to that letter, but today I received a collection notice for merchant services. 

I have enclosed our correspondence with Eagle National Bank for your reference.",,Consent provided,Web,2017-01-03,Closed with explanation,Yes,No,CR2272529,2729
2017-01-03,Credit card,,Forbearance / Workout plans,,"Due to personal difficulties I faced in the winter of XX/XX/2013, I fell severely behind on my Eagle National Bank credit card payments. Eventually, the company 's collections department presented me with a settlement offer in XXXX large installments. At the end of that year I received a Form XXXX for the shortfall as reckoned by the company and reported that amount as income on my tax returns. 

This account is being reported as a settled "" collection '' account on credit reports that I have obtained. However, Eagle National Bank is not reporting a "" Date of First Delinquency '' for this account although I am told that it is a legal requirement to do so. This date is important for determining when settled accounts must by law be deleted from XXXX 's credit file. In particular, the state in which I live, XXXX, has a special statute of limitations when it comes to settled accounts, and so it is particularly important that Eagle National Bank report this date.",,Consent provided,Web,2017-01-03,Closed with explanation,Yes,No,CR2273363,2490
2017-01-03,Credit card,,Delinquent account,,While employed by XXXX I used a company credit card for company business. I am no longer employed by them and have not been since XXXX of 2016? Eagle National Bank is calling me every day about the company debt. I have spoken with them on the phone and I have written to them explaining I am not responsible for this debt to no avail they continue to call at least once every day.,,Consent provided,Web,2017-01-03,Closed with explanation,Yes,Yes,CR2272088,1031
2017-01-03,Credit card,,Advertising and marketing,,"XX/XX/2017 Consumer Financial Protection Bureau / Original Complaint No. XXXX Eagle National Bank / Claim No. XXXX XXXX Inc. / Case No. XXXX In my opinion, Eagle National Bank and its representatives have engaged in supporting False & Misleading advertisement by XXXX Inc. In my opinion, Eagle National Bank has a fiduciary responsibility to protect its customers against corporations that engage in wide-spread exploitation, and under scrutiny by U.S. government agencies. It is common and readily available information that XXXX Inc, is a corporation that is being sued by U.S. government agencies chartered with protecting consumer rights. 
Eagle National Bank is a self-regulated business that should value its customer satisfaction. And protect its customers from Unfair Trade and Credit Practices. In summary, it does seem evident, that informing me of my right to be educated as a consumer, and right to seek redressal has been suspiciously absent and ignored by Eagle National Bank and its representative. As a consumer, I give Eagle National Bank a poor consumer satisfaction rating. In my opinion, Eagle National Bank representative XXXX ( Resolution Specialist ) did not address this issue, which was core to my complaint with the CFPB. 
Further-more my customer service experience with XXXX has been poor, since she has been non-responsive to the phone voice-mails left by me and my representatives. XXXX list her contact information as XXXX, ext. XXXX. She stated in written correspondence that she is available XXXX XXXX to XXXX, this has not been my experience with XXXX . 
Further Evidence of Fraud / False Advertisement In written communication provided by XXXX Inc. to Eagle National Bank , XXXX Inc. claims that I signed their Self-Serve contract. Yet Eagle National Bank had not acquired any contract with my signature. Why? Eagle National Bank took on face value the word of XXXX. Why? If XXXX. asserts that I signed up for a complete Self-Service, then why would they also claim to charge for an auto-bidding strategy ( listed on page 1 of 5, 4th paragraph )? Why did n't Eagle National Bank question this glaring contradiction? XXXX. claims to provide services for 2 business locations, why would I contract for 2 business locations, when 1 of the locations was closed and I was moving to the new business location? I only have 1 business location. 
cc. Federal Trade Commission",,Consent provided,Web,2017-01-06,Closed with explanation,Yes,Yes,CR2272990,2505
2017-01-03,Bank account or service,Savings account,"Account opening, closing, or management",,I keep contacting the CFPB regarding unlawful fees that Eagle National Bank keeps taking out of my account. Not only did Eagle National Bank not refund all the unlawful fees that they took from my account they keep taking. I was told by the banker who opened my account at the time that I would pay no fees if I keep a minimum balance of XXXX $ in my checking account and make a monthly payment to a saving account of XXXX $ that I will no pay any fees on. I was misinformed by the Bank they where taking XXXX $ from my personal account and XXXX $ per month from my savings account. After filling a complaint with the CFPB in the past some of the unlawful fees where refunded to me. However XXXX stated that it was worng. They are now doing the same thing again charging me with a XXXX $ maintance fee that they said it was a mistake and they will fix it. I keep saying it but my voice is not heard Eagle National Bank discriminates on the basis of religion and national origin they want me to close my account because I have a heavy XXXX accent so they cause a lot of problems with my account. They also discriminate when it comes to credit they decline credit for me when other lender would approve. I hope that the CFPB will investigate this bank for its unfair practices.,,Consent provided,Web,2017-01-04,Closed with explanation,Yes,No,CR2273320,3093
2017-01-03,Credit card,,Credit card protection / Debt protection,,"My bank, Eagle National Bank, recently just closed my credit card down. They had finally provided chipped cards but I saw on their form I had to use the last XXXX digits of my Social Security number as part of my ID. I said I did not want to do that because of the exposure to hacking it would enable and right then, they closed my existing non-chipped card and the chipped one which I had never agreed to signing up for. My credit report must look awful. 

I am confused and I am also profoundly deaf and banks are not easy for me because they wo n't do anything on line so I have to drive there every time there is the slightest issue. Well this is a big issue and I am learning from other people that most of the banks are doing the same thing - demanding people use XXXX digits of their Social Security card which is then put on their huge on-line systems. 

This makes no sense given the hacking situation where even federal employees data has been hacked en masse. Are banks allowed to do this and ask for those XXXX digits as part of an ID system? I do understand they need the entire Social Security number for various reasons but think that should be segregated from every day transactions. Are we as citizens being forced to put ourselves in unnecessary risky situations and if so, why? Interestingly I do n't have to provide that data for a debit card so I do n't understand why they are putting FDIC backed accounts at risk and why they are allowed to do it. 

Any help you can give me will be appreciated.",,Consent provided,Web,2017-01-03,Closed with explanation,Yes,No,CR2272485,3621
2017-01-03,Credit card,,Payoff process,,,,Consent not provided,Web,2017-01-03,Closed with monetary relief,Yes,No,CR2272285,1508
2017-01-03,Credit card,,Billing disputes,,,,Consent not provided,Web,2017-01-03,Closed with monetary relief,Yes,No,CR2271313,3558
2017-01-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2017-01-03,Closed with explanation,Yes,No,CR2273445,163
2017-01-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-04,Closed with explanation,Yes,No,CR2272039,10746
2017-01-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-01-03,Closed with explanation,Yes,No,CR2273029,742
2017-01-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-04,Closed with explanation,Yes,No,CR2271768,1758
2017-01-02,Bank account or service,Checking account,Deposits and withdrawals,,"My Issue with Eagle National Bank, California, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Name : XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX, XXXX CA XXXX Phone : XXXX email : XXXXXXXXXXXX Date XXXX/XXXX/2017 ( attachments provided to substantiate claims ) Issue : Eagle National Bank 's policies and procedures of processing deposits, is totally unethical and should be changed and the bank should be sanctioned. In this day and age of electronic processing, it should n't take 11 days to process / clear a deposit, it should be done overnight, including weekends and holidays. The internet is up XXXX Chronology of events : XXXX - Saturday - I was notified by my daughter, who is on my account that a check I had written, Check # XXXX, for {$15000.00} to XXXX XXXX University had overdrawn my account XXXX - I checked my account online, and it showed - XXXX, indicating that the check had been honored, as there had been only XXXX in my account XXXX - I immediately went to my reserve bank, XXXX, to send {$15000.00}, by EFT, but since it was Saturday, they would n't send it till Monday, XXXX, so I decided it would be faster if I just wrote myself a {$15000.00} check on the XXXX account, and do an electronic Mobile deposit from my smart phone. So I made a {$15000.00} mobile deposit. 
Whenever I do a Mobile deposit, it always says on the screen that funds will be available the next day, for Debit or cash withdrawal. I assumed everything was taken care of. 
XXXX Tuesday - my daughter informed me that she still got the negative balance notification. I thought that was strange, since I had deposited the money 3 days earlier. 
I called the bank, using the number on the notice, but the offices were closed for the holidays. 
XXXX Tuesday - XXXX clears my check for {$15000.00} deposited to BofA ( XXXX Tuesday - BofA bounces my check to XXXX, though I do n't find out about this till I speak to a BofA representative the next day ) XXXX Wednesday - After puzzling over these BofA emails, I went down to my local B of A bank to find out what was going on. The lady ( assistant VP for the branch was very nice. ) The national office was closed, but the local branch was open. 

She looked up my account. Of the {$15000.00} I deposited on XXXX, they put a hold on {$4800.00} for 5 days till XXXX, and a hold on $ XXXX for 11 days till XXXX XXXX! 

This is unconscionable! The $ XXXX check written from XXXX to BofA is cleared by XXXX on XXXX, and BofA is going to put a hold on $ XXXX till XXXX, and a hold on the remaining $ XXXX till XXXX XXXX? This is totally unethical! The representative also told me that they bounced the check, returning it back to XXXX on XXXX. She commiserated with me and said she would waive any fees, if any appeared. 

I was outraged and concerned. I had made several end of the year donations to charities, and now I was concerned that they might bounce too, because of the "" holds '' BofA was putting on my funds. She said an EFT may be faster. 

XXXX Wednesday, I transferred an additional $ XXXX via EFT from XXXX to BofA It was sent by XXXX on XXXX. 

XXXX BofA shows this EFT as "" processing '' So now there is $ XXXX in my BofA account ( although $ XXXX is still on hold till XXXX ), way more than I need or want in that account PLUS I have to ask XXXX XXXX to please resubmit the bounced check, an embarrassment to me. 

I acknowledge this all started because I overdrew my account. HOWEVER, they appeared at XXXX to honor the bounced check, as I believe I am a preferred customer, but they did n't HONOR MY DEPOSIT, done in good faith to cover the check. I find their behavior unacceptable. I want their policies changed, an apology, and I would like them sanctioned. 

Additionally, BofA California does not provide an email to register complaints, thus I must file with the Consumer Financial Protection B",,Consent provided,Web,2017-01-04,Closed with explanation,Yes,Yes,CR2270835,4993
2017-01-02,Bank account or service,Checking account,Problems caused by my funds being low,,"XX/XX/XXXX, I submitted a complaint to CFPB about the overdraft fees that had been applied to my account. The fees were excessive and I was very dissatisfied with the fact that I was often getting charged {$35.00} for payment of small items or where the overdraft was less than {$35.00}. I am again recording a complaint about the practice for XX/XX/XXXX. During the year, I was charged overdrafts for either ( i ) processing items that were in an amount far less than {$35.00}, ( ii ) where the associated overdraft was less than {$35.00}. In there was one instance where I was charged for an overdraft of {$17.00} or ( iii ) charged multiple times where the processing sequence of items was completed such that the largest item was processed first and then each smaller item would generate a fee. I would like to get Eagle National Bank to improve its policies to help more and so I am requesting that my account be reviewed.",,Consent provided,Web,2017-01-02,Closed with monetary relief,Yes,No,CR2271219,682
2017-01-02,Credit card,,Billing disputes,,"I purchased a custom {$970.00} costume from XXXX. The merchant sent a damaged and unusable item. The merchant said she would start a claim with XXXX and send me a prepaid return label to return the damaged item to he and she would give me a refund. I waited day after day and she never sent. I have proof of the text messages of me asking her every day for the label and her ignoring me. I sent records of my phone bill of me trying to contact her and her ignoring me. I filed a claim with the Eagle National Bank and they initially gave me my money back. Then the merchant lied and said she told me I had 3 days to return the item to her on my own. You can see in all her messages that I have from her that that never happened and she told ME to wait on HER sending the prepaid return label. I have pictures of the damaged items that she saw and her response to seeing them. I have all the proof that I need that she sent me damaged goods, claimed she started a fedex claim, ignored me and never sent a prepaid return label and essentially stole my money and left me with damaged goods. She did n't answer any calls or texts and left me to file a dispute against her with credit card company. Where this becomes Eagle National Bank 's fault is they sent me a letter asking for this proof, I have faxed the proof to them twice and have the fax confirmations that both times the faxes went through. They never reviewed any of my proof and sided with the fraudulent merchant. I spoke with XXXX in XXXX and sent the proof to him on XXXX/XXXX/16 when claim was active, I called again when I received a letter saying my claim was denied and spoke to XXXX in XXXX and she said to go to a Eagle National Bank branch and re fax the proof with the confirmation proving that it went through the first time and I did that as well. XXXX at B of A on XXXX XXXX in XXXXXXXX sent it again and AGAIN I got confirmation it went through. XXXX said to call back in 48 hours to make sure it was received and I did that. I spoke to a very rude guy named XXXX in XXXX and he said they did n't have any faxes, yet again. I said I have proof that they received it twice and he did n't care. I asked to speak to a manager and was put on hold another 10 minutes before an even ruder and less helpful guy named XXXX in Maryland came on. He said I was "" out of luck '' because they did n't receive anything. But really I am out of luck that B of A is incompetent when I have proof they received my faxes twice and did n't bother to review them. How is my bank, my cc company, siding with a woman committing fraud and they wo n't even look at the proof that THEY asked me for. I am disgusted by their incompetence and lack of effort. I will be canceling all cards and filing a civil suit against the merchant.",,Consent provided,Web,2017-01-02,Closed with monetary relief,Yes,No,CR2271227,1957
2017-01-02,Bank account or service,Checking account,"Account opening, closing, or management",,"I discovered that I was a victim of identity theft when Eagle National Bank sent me a congratulations letter for opening an account with them. I do not bank with Eagle National Bank nor have I ever banked with them in any manner. I promptly notified Eagle National Bank of the theft and completed a series of letters through the Federal Trade Commission ID theft reporting system. Eagle National Bank acknowledged this theft over the phone with me and said they were working immediately to stop/close and reconcile the matter. Now, about 1 month later, I am STILL getting bank statements from Eagle National Bank indicating "" my account '' is still open and in existence. I need this matter reconciled completely and all matters closed/cancelled with Eagle National Bank please. I did not apply for any account and/or services with Eagle National Bank and this is 100 % Identity Theft/Fraud.",,Consent provided,Web,2017-01-02,Closed with monetary relief,Yes,Yes,CR2271403,3000
2017-01-02,Credit card,,Other,,,,Consent not provided,Web,2017-01-02,Closed with explanation,Yes,No,CR2271415,3043
2017-01-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-02,Closed with explanation,Yes,No,CR2271125,3219
2017-01-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-02,Closed with explanation,Yes,No,CR2271101,2805
2017-01-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2017-01-02,Closed with explanation,Yes,No,CR2270989,3138
2017-01-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2017-01-02,Closed with monetary relief,Yes,Yes,CR2270898,544
2017-01-01,Bank account or service,Checking account,Deposits and withdrawals,,"On XX/XX/2016, a banking institution took {$1300.00} out of my Eagle National Bank checking account. They had no paperwork, signatures or any agreement with me. An individual that uses this institution ( Identified as XXXX XXXX ) was attempting to transfer money into my account but the transaction took money out. Whatever went wrong, no one appears to understand. I called Eagle National Bank and expressed my alarm that an institution, completely unrelated to me and with no agreements in place could withdraw money from my checking account. The money was redeposited on XX/XX/XXXX. No correction to my interest was made and although I have called the bank on numerous occasions, there has been no explanation provided to me. 
This breach is serious but evidently Eagle National Bank is doing nothing to correct the weakness in the system that allowed this to happen, they have ignored my pleas for an explanation and they have not reimbursed me for the loss in interest ( which occurred during the weeks that the money was missing from my account ).",,Consent provided,Web,2017-01-01,Closed with explanation,Yes,No,CR2271042,2796
2017-01-01,Credit card,,Identity theft / Fraud / Embezzlement,,"An Atm transaction for {$700.00} was withdrawn from my account on XXXX. I contacted Eagle National Bank on the next business day XXXX XXXX sharp, called them got and new card ( as I did not have my card at the time of the transaction ). I reported the fraudulent activity to them opened up a claim and they gave me a temporary credit for the funds lost. A couple of weeks later I get an email saying that my claim was denied and the funds are being reversed because they believe the transaction to be authorized. I do n't understand why they believe so as THEY were the ones who sent me a message on my online banking telling me that there was suspicious activity on my account. Secondly I do n't withdraw big amounts such as {$700.00} from an ATM if I were to withdraw that I would go inside the bank and use proper identification, I thought bank ATMs have cameras so I can not understand why they do not know it was n't me. Even given the time of the transaction it happened late at night so when I tried to call EN to report it the office was close and something like this has never happened to me so I do n't know what to do. I 'm trying to contact them to soeak to a representative and plead my case but I keep getting the runaround.",,Consent provided,Web,2017-01-01,Closed with monetary relief,Yes,No,CR2270929,7863
2016-12-30,Bank account or service,Checking account,Deposits and withdrawals,,A counterfeit check was written on my business account in the amount of {$4800.00}. The check was made out to a business and it was cashed. The signature that was supposed to be mine was n't even close to resembling my signature but Eagle National Bank is stating that they can not recover the funds. I feel that it is their mistake and no they should return my funds.,,Consent provided,Web,2016-12-30,Closed with explanation,Yes,No,CR2270346,8610
2016-12-30,Bank account or service,Checking account,Deposits and withdrawals,,"An erroneous deposit was made in my checking account XXXX XXXX, 2016 in my account with Eagle National Bank. The check was endorsed for deposit only in my business account with XXXX. Eagle National Bank accepted the check and credited my joint personal account. Then, they erroneously charged my account and claimed the funds were transferred back to XXXX XXXX. XXXX XXXX claims the never received the fund.",Older American,Consent provided,Web,2016-12-30,Closed with explanation,Yes,No,CR2269657,1852
2016-12-30,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank I am been a long customer with this bank. I had a wire transfer that I needed to stop. Wire transfer was done late in the day and was told that it will not transfer till next day. I called at night and was told that they are closed and open XXXX. No specific time zone. I called at XXXX PST time but the automated system keep saying that they open at XXXX. I woke up again ant XXXX and when connected, they said that it was transmitted already since they open at XXXX est. 
This bank is deceiving and prohibited me from connecting with the call center so that I could get help. 
Dishonest.",,Consent provided,Web,2016-12-30,Closed with explanation,Yes,No,CR2270128,204
2016-12-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I had several mortgages with Eagle National Bank before recession on my primary and investment properties. When the recession happened they started selling some mortgages to other companies. Things were ugly. I was not able to survive and felt behind. My properties were sold XXXX after the other. XXXX of my properties was sold in XX/XX/2015 by Eagle National Bank which they have filed deficiency and reported to IRS. Not only I lost my house but also being reported that I ended in having {$12000.00} payment to IRS that I have hard time paying. On my only roof left on my head, that I only have a line of credit, they never worked out with me to lower my principal. I here all the time that they are forgiving many secondary loans. I am desperate. I am a single mom of XXXX adopted children that are in Medical school. I am lost everything that I had and I will be unable to support my kids schooling. I desperately need help. Thanks.",,Consent provided,Web,2016-12-30,Closed with explanation,Yes,No,CR2269688,331
2016-12-30,Credit card,,Credit card protection / Debt protection,,"Eagle National Bank is declining legitimate charges because of fraud. I have tried to get them to stop claiming everything is fraud when it is not, but they refuse to assist me. I called it today and they wo n't help me ( after getting routed around repeatedly ). I have no problem with being protected against fraud, but this is not protection. Legitimate charges are being declined and it creates a significant headache and a lot of effort for me to fix, not to mention a lot of wasted time.",,Consent provided,Web,2016-12-30,Closed with explanation,Yes,No,CR2269908,4313
2016-12-30,Credit card,,APR or interest rate,,"Eagle National Bank is trying to charge interest on PURCHARES made while there is a balance from a 0 % promo on my account. EVEN if those purchases are paid in FULL at the end of the statement period. I paid a Transfer fee of 3 % when I got the Promo offer. 
Is this practice even legal? 

They charged me {$2.00} for having the {$530.00} on the account from XXXX XXXX to XXXX XXXX, 2016.. Since it was not a full Month, the 11.9 % interest was calculated on {$260.00} of the {$530.00} for a total of {$2.00}.",,Consent provided,Web,2016-12-30,Closed with monetary relief,Yes,No,CR2269784,432
2016-12-30,Credit card,,Billing statement,,I had a fraudulent charge on my Eagle National Bank charge card. They sent the bills to an incorrect address. I was unaware of the transactions existence until I pulled my annual credit report and noticed the account had charged off. This was not a credit card I used regularly. This was associated with a subscriptions service that had an auto renew that I was unaware of this feature. This coupled with the fact B of A did n't send my bills to my address led to my account charging off.,,Consent provided,Web,2016-12-30,Closed with monetary relief,Yes,No,CR2269681,4525
2016-12-30,Credit card,,Billing statement,,"I paid my statement balance, thinking that would avoid any interest. I was told when I spoke to a customer service rep, that the statement balance means nothing and that I need the pay the purchase balance in full on the date I make the payment, including purchased made after the statement was printed. I rely solely on the statement to determine how much I need to pay, and I try to pay the purchase balance in full to avoid interest. I do not think it is fair to charge interest on a balance that is unknown until the next statement arrives.",Servicemember,Consent provided,Web,2016-12-30,Closed with monetary relief,Yes,No,CR2270165,432
2016-12-30,Credit card,,Closing/Cancelling account,,"My credit report shows that this bank credit card account closed on XXXX XXXX, XXXX as part of a telephone conversation with a collection agency to settle the debt. They offered a payment of settlement and assured that the debt was be paid in full. I now see that it was n't and that this particular bank has also misstated inconsistent statements across a few reporting agencies. I have found that with XXXX they show that I made no payments from XXXX XXXX to XXXX XXXX, and my account magically went into good standing XXXX XXXX and up to XXXX XXXX, until I was "" delinquent '' again and charged off XXXX XXXX. 

However with XXXX it shows that this account was closed XXXX XXXX ( consistent with settlement talks ), but the last payment received was XXXX XXXX. This is highly inconsistent with what they reported to XXXX. I am also wondering how payments and delinquencies can be made on a closed account dated before additional changes were made to the account.",,Consent provided,Web,2016-12-30,Closed with non-monetary relief,Yes,Yes,CR2268567,607
2016-12-30,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank checking account number # XXXX on XX/XX/2016 two transactions as follow : 1. ) XXXX {$89.00} 2. ) XXXX {$XXXX} caused a total of {$85.00} dollars in two seperate overdraft fees and one monthly account maintence fees, these companies had no authorization to charge my account and they recently cancelled both transactions and refunded all funds which these fees originated from. Eagle National Bank refuses to allow me to file claim disputes over the phone because they claim they can not verify my identy. i live on the military base in XXXX ( XXXX ) texas and their is no Eagle National Banks in the state of texas. i should not be responsible for these fees as it were not my neglengence",,Consent provided,Web,2017-01-03,Closed with explanation,Yes,No,CR2269371,3372
2016-12-30,Credit card,,Other,,,Older American,Consent not provided,Web,2016-12-30,Closed with explanation,Yes,No,CR2268645,1569
2016-12-30,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-30,Closed with explanation,Yes,No,CR2268842,2239
2016-12-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-12-30,Closed with explanation,Yes,Yes,CR2270277,223
2016-12-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-12-30,Closed with explanation,Yes,No,CR2270086,7150
2016-12-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-12-30,Closed with monetary relief,Yes,No,CR2269001,3910
2016-12-30,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-30,Closed with monetary relief,Yes,No,CR2269475,268
2016-12-30,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-30,Closed with explanation,Yes,Yes,CR2270509,12163
2016-12-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Dear XXXX, I 'm writing to report on the illegal close of my Home Equity Line account ( Account number XXXX ) with the Eagle National Bank last month. 
Since I opened this account in 2015, I used it several times and paid all the balance back. I need this account in the future. 
I have contacted the Eagle National Bank many times and was told to wait for 10 days for this account of mine to be reopened. However more than XXXX days have passed, I have not got my account back, yet. 
Please investigate what happened within the Eagle National Bank and help me get my XXXX XXXX XXXX account back. 
Thank you! 
XXXX",,Consent provided,Web,2016-12-30,Closed with explanation,Yes,Yes,CR2268468,3499
2016-12-29,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a checking account with that offered a {$100.00} dollar sign up bonus after direct depositing {$2000.00} per month for XXXX months. More than XXXX days after that ( the time window they stated they will deposit the bonus within ) I still had n't received it so I called to follow up. I was told that they would investigate it, a few weeks later I received a letter with the terms of the offer again implying enrollment. Since I heard nothing further after a while I followed up again. This time I pressed for a response and was told that because I have previously received such a bonus I was ineligible. After this I reread the original terms which stated that you must not have had a Eagle National Bank checking account within the past 6 months which I met. I was told that I did n't qualify but not given a satisfactory answer by the customer service representative of why but she agreed to have me contacted in the future with an explanation of the specific part of the terms that I failed to meet within a couple of weeks. I never received that follow-up.",,Consent provided,Web,2016-12-29,Closed with monetary relief,Yes,No,CR2268652,1718
2016-12-29,Bank account or service,Checking account,Using a debit or ATM card,,"I received a fraud alert on my home telephone from Eagle National Bank regarding charges made in XXXX with my debit card number and pin from my checking account. I contacted Eagle National Bank immediately when I received the message from my home phone in XXXX and Eagle National Bank asked if I had lost my debit bank card and I confirmed that I have the card in my possession, I did not report it lost and it has never been out of my possession. They informed me that someone had my card number and my pin number, and was making charges against my checking account and I confirmed that the charges made to my debit card account were not made by me nor authorized by me and the fraudulent check deposited to my account in XXXX was not deposited by me, and that I have never ever been to XXXX. The withdrawal from my account in XXXX was not withdrawn by me. I informed Eagle National Bank again that I currently have and have always had my debit card in my possession, it has not been reported lost by me and it has never been out of my possession. Eagle National Bank initiated a claim and credited my account, and informed me that they would conduct their investigation and would contact me upon the results of their investigation. That night I spoke with XXXX different people at Eagle National Bank and a duplicate claim was initiated although, I explained that a claim had already been initiated by the first person I spoke with. The duplicate claim caused my account to be credited twice. Eagle National Bank allowed the fraudulent charges to be debited to my account. Upon completing their investigation, Eagle National Bank concluded that I authorized these charges. They said that a duplicate card was not used that it had to be the original card that was used and there was no way that anyone could have gotten my debit card number and pin number unless I had given my pin number. I was told that there was no way anyone could have known how much money was in the account unless I told them. Eagle National Bank credit adjusted the account on XXXX/XXXX/16 for {$160.00}, {$160.00}, {$100.00}, {$100.00}, {$62.00}, {$62.00}, {$300.00}, deposited {$4000.00}, allowed fraudulent transactions to post to account XXXX/XXXX/16 for {$160.00}, {$100.00}, {$62.00}, credit reversed on XXXX/XXXX/16 for {$160.00}, {$100.00}, {$62.00}, {$300.00}, on XXXX/XXXX/16 return fraudulent check {$4000.00}, credit reversal XXXX/XXXX/16 for {$160.00}, {$100.00}, {$62.00} from my account for the fraudulent transactions. I called to find out why did they take money from my account and I was told that it was determined from their investigation that the transactions were authorized by me. After making several phone calls to speak with supervisors, and going into local branches four times, I was told by XXXX bank representative in the claims department that I needed to file a police report and that they have actual footage from their investigation of an individual using the ATM to make the fraudulent deposit, but they would not provide the information to me but they could provide it to the police. The XXXX County Police said that this is considered an event between me and the bank since they were in the process of conducting an investigation and that it has to be resolved with the bank, therefore a police report would not be filed, but instead an event number would be provided. I provided the officers name, telephone number, and the event number information to the bank, and they have concluded again, that their original decision was correct and consider the dispute closed. I feel that I have been treated like a criminal, when I am the victim here. I thought being a loyal customer for nearly 30 years, that my rights as a customer, that Eagle National Bank is there to protect me and insure that my money is insured from the criminals that are out there committing fraudulent crimes against innocent hard working citizens.",,Consent provided,Web,2016-12-29,Closed with monetary relief,Yes,No,CR2268425,4426
2016-12-29,Bank account or service,Checking account,Problems caused by my funds being low,,My amount was overdraft .XXXX cents. They charged me {$35.00}! It was in the overdraft state for a day!,,Consent provided,Web,2016-12-30,Closed with monetary relief,Yes,No,CR2267884,3020
2016-12-29,Bank account or service,Checking account,"Account opening, closing, or management",,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Tel : XXXX XXXX XXXX Account XXXX XXXX Eagle National Bank Account XXXX XXXX Eagle National Bank They close my account with out tell me and I have done nothing wrong with it.,,Consent provided,Web,2016-12-29,Closed with explanation,Yes,No,CR2268797,4384
2016-12-29,Credit card,,Other,,"XX/XX/XXXX-XX/XX/XXXX I had a couple hardships and was not able to work as many hours in previous years. I kept in contact with my creditors, including Eagle National Bank ( Acct # XXXX XXXX ), stating when I was able, I would resume payment on my account. In XX/XX/XXXX Eagle National Bank via FIA Card Services XXXX. reported a XXXX to the IRS with a XX/XX/XXXX date for {$23000.00}, which I then revised my XX/XX/XXXX taxes to include this XXXX and have been paying the IRS for this forgiven debt income. In XX/XX/XXXX, Eagle National Bank started to report to the credit agencies that I have an open balance of {$24000.00} ( Acct # XXXX XXXX ). I have written Eagle National Bank and received a letter stating that acct # ending in XXXX, case # XXXX has been charged off as of XX/XX/XXXX. Although Eagle National Bank sent this to me, they still confirm to the credit agencies that my account has an open past due amount of {$24000.00} & with each credit card bureau, I have to fill out a form each time they resubmit as each time EN resubmits my credit score drops significantly. This feels like harassment to me. Even though the credit bureaus note "" customer disputes this item '', I still have to resubmit a research request form periodically each time Eagle National Bank reports that I have an open, past due balance.",,Consent provided,Web,2016-12-29,Closed with explanation,Yes,No,CR2268945,4652
2016-12-29,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-12-29,Closed with explanation,Yes,No,CR2269125,3380
2016-12-29,Credit card,,Advertising and marketing,,,,Consent not provided,Web,2016-12-29,Closed with non-monetary relief,Yes,No,CR2268173,1391
2016-12-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-12-29,Closed with explanation,Yes,No,CR2267754,10555
2016-12-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-12-29,Closed with explanation,Yes,No,CR2267586,1495
2016-12-29,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-29,Closed with explanation,Yes,No,CR2268829,3288
2016-12-28,Bank account or service,Checking account,Deposits and withdrawals,,Eagle National Bank has charged me overdraft fees and should not have. They have withheld funds to my account in order to charge me these fees. The account balance is always appears to have positive balance but the bank will make it negative. I am sick of this.,,Consent provided,Web,2016-12-28,Closed with monetary relief,Yes,Yes,CR2267078,3361
2016-12-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Eagle National Bank has taken advantage and manipulated my disable husband who has been unemployed since XXXX. Eagle National Bank signed him up to a bogus insurance company call XXXX where you can only collect if you die in an accident. My husband has been under my insurance for the past 18 years. Eagle National Bank has manipulated my XXXX husband and took advantage of a longstanding customer. We have been banking at Eagle National Bank since XXXX, and to show how they appreciate our loyalty in XXXX they notice not much activity going on and began depleting our live saving. I am completely disgusted that they will take advantage of loyal customer. I am expecting this matter to rectify and all funds to be returned in full immediately. if not i will persued with my lawyer and expose Eagle National Bank. I thank you for your help.",,Consent provided,Web,2016-12-28,Closed with explanation,Yes,No,CR2266222,1798
2016-12-28,Bank account or service,Checking account,"Account opening, closing, or management",,Eagle National Bank starts to charge my checking account a maintenance fee I have never been informed about. I talked to them multiple times and they simple say they MUST have informed me. I know I have never been told about this fee because I asked about maintenance fee when I opened the account. This kind of dishonest practice should not be tolerated in a lawful society.,,Consent provided,Web,2016-12-28,Closed with monetary relief,Yes,No,CR2266149,1138
2016-12-28,Bank account or service,Checking account,Deposits and withdrawals,,"I am the successor trustee for a trust account opened at Eagle National Bank, branch located at XXXX. - XXXX, FL XXXX. 
The original trustee is deceased and I have been trying for over one week to gain rightful access to the account. I did provide a copy of the trust agreement, which designates me as the successor trustee, as well as the death certificate of the original grantor/trustee. However, nobody at the bank seems to understand how to make the proper modifications to the trust account to provide me with access. Time is of the essence and yet phone calls are not promptly returned, and when they are returned, all I get is stalling from the branch manager, XXXX. 
Their delays are causing irreparable harm to the trust. Please investigate and resolve this issue including any applicable penalties for the unjustifiable delaying tactics this bank is using.",,Consent provided,Web,2016-12-28,Closed with non-monetary relief,Yes,,CR2266949,2697
2016-12-28,Bank account or service,Checking account,"Account opening, closing, or management",,"I have had a number of business accounts with Eagle National Bank for several years. Recently I discovered a {$10.00} service fee on XXXX of my accounts. I had been told in the past that this was the monthly service fee for the account, but I noticed recently that I also qualified for a no service fee account. So I called to point out the error. That 's when I was told that this {$10.00} per month had been going since XX/XX/2012 (! ) and represented a product that : * I never signed up for * I never knowingly used * I never received any confirmation of signing up or any other documentation ( The product in question is something that allows you to send free instead of {$3.00} internal transfers at Eagle National Bank. ) I asked the representative for some sort of proof that I had signed up for this service. She told me that there would not be any proof and that I signed up online. I told her that I did not sign up for this product online and that there must be a mistake. She put me on hold to "" check '' and then came back to tell me that, yes, her system showed that I signed up online, but that there was no documentation or proof. 

I stressed to the representative that I was not accusing Eagle National Bank of anything, but that in the context of the recent XXXX scandal of a bank adding fee-paying services to customers ' accounts without their knowledge or consent, that a casual "" yeah our system says you signed up but we have no proof or documentation '' is n't really sufficient. 

I brought this point up to the Eagle National Bank representative and stated that I was unhappy with her resolution ( that I eat XXXX years of fees and get the last XXXX months refunded ). She stated that her supervisor told her not to pursue the matter any further and that if I was still upset I could write a letter to Eagle National Bank. Instead, I 've decided to come to this Bureau. 

The amount of money in dispute is extremely insignificant. But the principle that a bank should not be allowed to get away with adding fee-paying services to a customer 's account without her/his knowledge and/or consent.",,Consent provided,Web,2016-12-28,Closed with monetary relief,Yes,No,CR2266831,12695
2016-12-28,Bank account or service,Checking account,Using a debit or ATM card,,"I received XXXX fraudulent charges over a two day span that were applied to my checking accounting totaling an amount of {$2700.00}. I contacted Eagle National Bank on the second day when I noticed the charges, and had them closed all the cards associated with the account to stop all activity. I submitted a claim which was processed and returned back to me a week later that advised my claims was rejected due to the charges processing correctly. The evidence regarding said charges clearly demonstrations that all {$2700.00} was fraudulently removed from my account. 

Date : XXXX XXXX, 2016 XXXX, AZ XXXX Checking Account Ending in XXXX Claim Number : XXXX Initiation date : XXXX/XXXX/2016 Eagle National Bank Claims and Disputes XXXX, NC XXXX Dear Sir or Madam : I am writing to dispute fraudulent transaction ( s ) on my account in the amount of {$2700.00}. Unless this is an error on your part, I can confidently assume to be a victim of identity theft, because I did not initiate and approve the transaction ( s ). I am requesting that the transaction ( s ) be removed from my account and all finance and other charges related to the fraudulent transaction ( s ) be also credited. I would also like to request a revised account statement to ensure appropriate changes to my account have been accurately made. Enclosed are copies of my statement with fraudulent transaction ( s ) highlighted supporting my position. Please investigate this matter and remove the fraudulent transaction ( s ) as soon as possible. 

I have filed a police report with the XXXX Police Department located at XXXX, AZ XXXX. The phone number to the police department is XXXX. I filed my report with Officer XXXX and his badge number is XXXX. The police report number is XXXX. 

I have filed a complaint with the Office of the Comptroller of the Currency ( OCC ) on XXXX XXXX, 2016. My case number is XXXX. 

Also on XXXX XXXX, 2016, I filed a complaint with Federal Deposit Insurance Corporation ( FDIC ) to help facilitate the investigation into my claims with Eagle National Bank. 

Sincerely, XXXX XXXX",,Consent provided,Web,2016-12-28,Closed with monetary relief,Yes,No,CR2266713,2207
2016-12-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I submit a complaint against EN through CFPB ( Case number : XXXX ). EN has submitted some kind of paperwork to XXXX stating that I was using the account forgery. I was a victim of a scam that cost me to lose money and have my EN account closed and I submitted a copy of the police report to EN stating that I did not know the check was a fraud and the company portray themselves as a company called XXXX. Before I filed an complaint against EN, I called them and tried to resolve this issue and I also faxed over an police report. Not knowing that the company was a fraud and the check was a fraud ; I did not call the bank that the check was wrote on to verify the check. So, I just deposited the check in my account thinking that the company was a good company. The manager of the company email and had me to send $ XXXX to XXXX XXXX to pay for the equipment that they are going to send me. I called EN asking them why I could n't log into my account and the rep stated that the check that I deposit was fake. I was surprise and did not know that the check was fake. So this has caused me a lot of grief and trying to get this settled. Now, I can not open up an account with a credit union, because EN has posted something negative and inaccurate in my XXXX file. I faxed them the information that they needed to EN to receive my money back and keep my account open. The rep stated that I would not receive my money back and they have to close my account. So, I just let it go, because I did n't have the money to hire a lawyer to sue EN. EN file inaccurate information to XXXX XXXX XXXX stating that I was using the account to contain forgery or fraud transaction. I have never in my life use anything forgery or fraud to get what I want. I tried to explain to both parties EN and XXXX, I was a victim of a scam. I have a police report showing that I was a victim of scam. Now XXXX has inaccurate information on my file and I wo n't be able to open up any account because of this. Fraud can mean anything that a bank wants it to. EN and XXXX need to provide proof why they flag my account as fraud or abuse? What proof do they have that shows that I intended to commit fraud? EN need to look at the handwriting on the check to verify that it was not my handwriting that signed the check ( I did sign the check in the back ) Both party violated the FCRA because I was not tolded by EN and XXXX that this information would be used against me and I wo n't be able to open any accounts with other banks.",,Consent provided,Web,2016-12-28,Closed with non-monetary relief,Yes,No,CR2264249,3346
2016-12-28,Credit card,,Unsolicited issuance of credit card,,Received a notice from Eagle National Bank that my credit application had been approved along with a BofA credit card. I have NEVER applied for any type of relationship with BofA.,,Consent provided,Web,2016-12-28,Closed with explanation,Yes,No,CR2266915,1095
2016-12-28,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX I originated an external transfer from my XXXX XXXX XXXX account to my Eagle National Bank account for {$250.00}. At no time was I advised there would be a fee for this transfer. In fact, the confirmation I received clearly stated no fee associated with transfer. Checking my XXXX account on XXXX, I noticed a misc fee of {$3.00} being charged. I contacted XXXX on XXXX they informed me this fee originated from Eagle National Bank for transfer. I called Eagle National Bank on XXXX and was informed that yes, there is a fee assessed. I advised fee never disclosed as required by law they either refund or I file a complaint. The customer service rep refunded me the {$3.00} to my Eagle National Bank account. On XXXX I checked my XXXX account and noticed this time XXXX {$3.00} fees have been deducted by Eagle National Bank . I contacted Eagle National Bank customer service, speaking with XXXX - Customer Service Manager. I informed him what had transpired yesterday and that today Eagle National Bank has re-assessed me the original fee, the refunded fee and an additional fee. XXXX indicated he is not going to refund the fees because there is nothing he can do. I again informed Eagle National Bank that the assessment of the fee was not advertised and in my opinion is in violation of the law. I further informed XXXX that if I did not get the fees refunded I would be filing a formal complaint - he told me to do what I felt I had to do. I",,Consent provided,Web,2016-12-28,Closed with explanation,Yes,No,CR2266392,529
2016-12-28,Bank account or service,Checking account,"Account opening, closing, or management",,"Response to My claim Case number : XXXX Eagle National Bank will send a check to the Customer in the amount of {$95.00} within the next 30 business days, as a courtesy fee refund. The attached explanatory letter was mailed to the Customer. 

I, XXXX XXXX never received the check from Eagle National Bank. Today is XXXX ... and no check. received.",Older American,Consent provided,Web,2017-01-04,Closed with non-monetary relief,Yes,No,CR2264189,11252
2016-12-28,Credit card,,Identity theft / Fraud / Embezzlement,,"I had a Target store card and they "" upgraded '' it to a credit card that can be used anywhere and it was stolen, I informed the credit card company and they sent me an affidavit. I filled it out and sent it back. A month later I received a letter from Target saying my claim was denied and because I did n't provide them with a police report ( they never shared I had to ) and when I asked why noone called or communicated that I needed to get one, they stated they do n't have to tell me that. They are now sending threating letters to report it to my credit and everytime I call to speak to XXXX ( the claim specialist ) she refuses my call and "" supervisors do n't speak to consumers on disputes ''. I need someone to step in because this is unfair treatment of a consumer.",,Consent provided,Web,2016-12-28,Closed with explanation,Yes,No,CR2265989,3054
2016-12-28,Credit card,,Balance transfer,,,,Consent not provided,Web,2016-12-28,Closed with monetary relief,Yes,No,CR2266679,5395
2016-12-28,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-28,Closed with explanation,Yes,No,CR2267326,3370
2016-12-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Eagle National Bank wrongfully took {$45.00} from me. 
Money was wired in to Eagle National Bank on XX/XX/2016. 
Eagle National Bank returned the wired money, but wrongfully returned {$45.00} less than it received. 
Wire in and out tracking numbers : XXXX, XXXX.",,Consent provided,Web,2016-12-27,Closed with monetary relief,Yes,No,CR2263798,3525
2016-12-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I am in currently going thru divorce proceedings and living at a new address, a change of address was filed with the US Postal service as well as the company,. A retroactive check was sent to me by my company but they sent it to the wrong address. My estranged wife received the check which was made out to me, signed HER name and deposited it into her account ( at XXXX Bank ), which is NOT a joint account. When question why, i was informed that its their policey to accept and process third party checks as long as no complaints were put in, as long as it was under a certain value. I went back to my company and filed a fraud complaint. They in turn filed a fraud complaint with their banking institute ( Eagle National Bank ) and the claim was denied be cause the claim I benifited from her cashing of this check. I am still trying to speak with the analysis who determined that I benifited from her fraud.",Older American,Consent provided,Web,2016-12-27,Closed with explanation,Yes,No,CR2264895,4436
2016-12-27,Bank account or service,Checking account,Problems caused by my funds being low,,"I was unemployed and my unemployment benefits ran out. I had an obligation with a payday loan. I notified them of my situation and asked them to remove the automatic withdrawals, they kept on. I went to the bank and explained, they said that even if I closed the account it will be hit by the ACH. Due to these and other issues, I applied for bankruptcy and received a discharge of my overdraft at Eagle National Bank as well as the payday loan. Eagle National Bank acknowledged the bankruptcy sentence but has not removed me from XXXX, XXXX XXXX. No bad check, no fraud attempt just a bad unemployment period and Informed the bank.",,Consent provided,Web,2016-12-27,Closed with non-monetary relief,Yes,No,CR2265478,1890
2016-12-27,Bank account or service,Checking account,"Account opening, closing, or management",,"On XX/XX/2016 a notarized Letter XXXX Instruction and Account Closure Request was presented to the Eagle National Bank, where it was Faxed to the Eagle National Bank XXXX I was told I should have the money within XXXX days. 
As of today XX/XX/2016 I still have not received the XXXX. 
I called the XXXX who said they have had the documents but could not tell me why they have not sent the money.",Older American,Consent provided,Web,2016-12-27,Closed with monetary relief,Yes,No,CR2265650,534
2016-12-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"The following quote was posted on XXXX which is virtually identical to what happened to me in XXXX. EN also reported this credit card in XXXX as if it was the creditor to four credit reporting agencies. It was not the creditor in XXXX when I paid it off and closed it. See other CFPB complaints by me since XX/XX/XXXX, for details of my experience. Given the XXXX mass fraud scheme that mimics this behavior in my case and XXXX case, there should be an investigation industry-wide. Examining customers ' credit reports may reveal what the banks may try to cover up - as in my case. EN told me they would mail me XXXX statements - which should reflect the monthly payments - but did not. Acquisitions and reporting are two entirely different things. Acquiring an account that is closed ca n't be listed as accounts receivable with XXXX consecutive payments in a row in XXXX, without some intent to deceive. Here is the quoted post : "" ... Share on Facebook ( Opens in new window ) Click to share on Twitter ( Opens in new window ) Click to share on LinkedIn ( Opens in new window ) Click to share on XXXX ( Opens in new window ) Click to share on XXXX+ ( Opens in new window ) By XXXX XX/XX/XXXX At Eagle National Bank , your accounts are XXXX . As in, undergoing 'eternal return, ' where accounts that have been closed and passed on will reemerge, rejuvenated, reopened, even if you closed them long, long, ago. Reader XXXX writes : IShare on XXXX ( Opens in new window ) Click to share on XXXX ( Opens in new window ) Click to share on XXXX ( Opens in new window ) Click to share on XXXX ( Opens in new window ) Click to share on XXXX+ ( Opens in new window ) By XXXX XX/XX/XXXX At Eagle National Bank , your accounts are XXXX . As in, undergoing "" eternal return, '' where accounts that have been closed and passed on will reemerge, rejuvenated, reopened, even if you closed them long, long, ago. Reader XXXX writes : I recently moved to a new home and called Eagle National Bank to notify them of the new address. A few weeks ago, I received a "" replacement '' EN credit card. This confused me greatly, because the only account I have with them is my checking account! On top of that, the card said I was a member since XXXX. That was my first year of college, I only had one card back then, and I was so annoyed by that company ( which was not EN ), I canceled the card after only a few months. 

Once I finally got in touch with someone useful, we worked out that somewhere in the course of various bank acquisitions, they ended up owning my closed account. So for my convenience, they were kind enough to reopen my closed account. I immediately had them close the account, but I really did not like this experience. The credit account had been closed for almost 10 years, and they reopened it without any direct involvement from me ... '' I think the weblink is supposed to be "" consumerist. ''",,Consent provided,Web,2016-12-27,Closed with explanation,Yes,Yes,CR2264352,717
2016-12-27,Bank account or service,Checking account,Deposits and withdrawals,,"1. On XX/XX/2016 I noticed that my EN Bank checking account had an unauthorized transferred to a company called XXXX consisting of all my checking account funds. I 've never heard of this company. 
2. I went to the local branch and they made out a Reg E form to initialize an investigation and they cancelled my debit card and issued me another. 
3. I checked with VENMO and found out they are a susidiary of XXXX. It appears as if one of XXXX 's clients committed the fraud using my debit card number. 
4. I wrote to XXXX telling them of the problem. They set me up with a case number. I also gave them the last XXXX digits of my cancelled dewbit card. 
5. XXXX replied that they XXXX know of the perpetrator but could not publish it it because of their privacy policy. They did suggest I contact the police.They did say the proper procedure would be for EN Bank to restore my funds and then bill XXXX who would then retyurn them to EN Bank. 
6. Meanwhile, my bank 's "" Fraud Unit '' said I should retrieve the funds from XXXX. 
7. I checked with EN Bank 's policy regarding Unauthorized Transfers. The policy says "" if you notify us within 2 business days after you learn of the loss or theft you can lose no more than {$50.00} if someone uses your card without your permission ''. I notified the bank in less tan XXXX hours. 
8. I need an advocate in this matter to restore my account. I am a retiree and that was all the money I had until the next SS check is deposited.",Older American,Consent provided,Web,2016-12-27,Closed with monetary relief,Yes,No,CR2264699,3353
2016-12-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-12-27,Closed with monetary relief,Yes,No,CR2264185,4126
2016-12-27,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-27,Closed with non-monetary relief,Yes,No,CR2264907,4132
2016-12-26,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,I have been a victim of fraud in XXXX I received a phone call saying they were from Eagle National Bank and they were calling from the loan department saying that I qualify for another loan modification everything seem so real paperwork had Eagle National Bank logo and calls were made from Eagle National Bank loan department he will always call me to make sure I made payments on time I made XXXX payments by XXXX he say it will go direct to the loan modification department I when I was ready to make my third payment I made a mistake and XXXX and when I was trying to make the corrections they told me to check with Eagle National Bank because there is been a lots of complain of people been fraud so I call Eagle National Bank and talk to them they say there is no modification been offer to me I walk into a Eagle National Bank on my home town and show them all paper work and to them they say it all locks legit they fax all paperwork to the loan department but they insist that there in no modification they recommended for me to go to the police station but police told me that I need some kind of report from Eagle National Bank that say that I reported this to them I been calling Eagle National Bank there is a report on the fraud department but now they say they can do anything for me now my hose is going on foreclosure Eagle National Bank told me to do a short sale Eagle National Bank does not care if they leave a family on the streets I been a victim of a fraud some XXXX is impersonating Eagle National Bank and nobody cares about it I do I do not want to lose my house and I need to help prevent this from happening to someone else the reason I am writing is because I need some kind of paper that say that Eagle National Bank is aware of this issue to take to the police department so they can open a case so please I will like for you to send me something so I can report this to the police,,Consent provided,Web,2016-12-26,Closed with explanation,Yes,No,CR2263916,1214
2016-12-26,Credit card,,Identity theft / Fraud / Embezzlement,,"I got notice on XXXX/XXXX/16 that there was suspected fraudulent use of my Eagle National Bank credit card, which I applied for on XXXX/XXXX/16, but never received. I called immediately and failed a claim an closed the account. At that time, all {$1000.00} worth of charges were disputed and I filed a police report. On XXXX/XXXX/16, I received a bill for {$550.00}, including a {$75.00} annual fee. These charges included transactions from XXXX - XXXX, XXXX of which were made after the account was closed, totaling {$1500.00}. In addition, during that time, my cash credit limit was increased to {$1500.00} and my total credit limit was increased to {$5000.00}. I called for the 4th time to dispute these charges and wanted to know why charges were made two days after the account was closed and why the credit limit had been increased. The fraud specialist said she was removing the charges, but was unable to answer my questions. 
Although I will be relieved if I see these charges were actually removed and the account closed, this has caused an incredible amount of stress and taken several phone calls which have included being transferred three times, being placed on hold, having to repeatedly state my name, address, birthday, answer security questions, and explain the situation to each new person. The first person I called asked me to repeat my address FIVE times, wanted to know the code on the back of my card, the last XXXX digits of the card, and where I last used it. This was after I 'd repeatedly told him I 'd never seen the card, never received it, never used it. In addition, the line kept going dead and I 'd tell him I could n't hear him for up to 10 seconds at a time. I asked that he call me back on my cell phone, and he said he was almost done. I missed about 25 % of the conversation. 
This has been a most frustrating experience. I hope something will be done to train more competent representatives, who actually close an account upon request rather than leave it open and increase the credit limit. Being transferred multiple times, having to repeat myself, and receiving a bill for purchases made after the account was closed have made me feel like the thief is allowed to live it up while I 'm being punished time and again for something that was not my fault.",,Consent provided,Web,2016-12-26,Closed with monetary relief,Yes,No,CR2263862,2122
2016-12-26,Credit card,,Credit determination,,"I have been with Eagle National Bank for the last 7 years along with a Small Business Account since XX/XX/2014. 
The local Eagle National Bank Bank asks me each time I go into their location, to open up a credit card. Each time I tell them that I understood you need XXXX credit scores, as mine is at the XXXX range ( personal account not business ). They told me no things have changed, etc. 
I went ahead and took the Credit plunge and tried to open the account. I was turned down as I expected and it was explained that I had credit issues back 4 years ago with my personal credit not business credit. Yes as we did due to the fact we had health issues with my husband and were late paying some bills due to issues occurring during that timeframe. 
If this is a Small Business Credit Card, why are they putting emphasis on the Personal part of my business not Business?",,Consent provided,Web,2017-02-02,Closed with explanation,Yes,Yes,CR2263984,9715
2016-12-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-12-26,Closed with explanation,Yes,No,CR2263676,4144
2016-12-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-12-26,Closed with monetary relief,Yes,No,CR2263927,3712
2016-12-25,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-27,Closed with explanation,Yes,Yes,CR2263448,2316
2016-12-24,Credit card,,Credit line increase/decrease,,"This week - XXXX - I received XXXX letters from Eagle National Bank informing me that 3 of my cards credit limits had decreased, and I am not talking about a small adjustment ; one of the cards credit limit went from {$19000.00} ( established through many years ) to {$500.00}. 
So I printed 2 credit reports to see what had happened, and to make sure my accounts had not been hijacked. In the adverse accounts there were one late payment under {$40.00} in account A last year. Account B had one late payment in 3 years and account C had a small delinquent payment in 3 years. The three accounts were classified as adverse accounts, and one of them was because of an error from another card company. In total the default amounted to about $ XXXX over 3 years and a lot of transactions. Whatever their guidelines to evaluate credit worthiness they are truly defective and deceptive. I had not bought a house, a ENt or charged expensive items and my XXXX report shows that my accounts are OK. Even the representative I called at the bank could not believe it ; unfortunately he could not change it but wrote a claim report. The worst part of it is that this",,Consent provided,Web,2016-12-24,Closed with explanation,Yes,No,CR2262525,3568
2016-12-24,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-12-24,Closed with explanation,Yes,Yes,CR2263424,1566
2016-12-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-12-24,Closed with monetary relief,Yes,No,CR2263492,574
2016-12-23,Bank account or service,Checking account,"Account opening, closing, or management",,A court order of citation to discover assets was issued on my accounts at Eagle National Bank. My account was frozen subsequently and I had to go to court to defend myself. I went to court on XX/XX/2015 and the court ruled in favor of me and ordered that Eagle National Bank return any and all monies or other property withheld. And the court also ordered that the citation to discover assets be dismissed. I gave a copy of the court order to Eagle National Bank and they have still not released my account. My account is still frozen and ca n't use it and I am still being charged monthly maintenance fees. I have on numerous occasions communicated my fustrations to Eagle National Bank but has still not received any fruitful outcome. I would like for your organization to look into this matter. Thank you.,,Consent provided,Web,2016-12-23,Closed with monetary relief,Yes,No,CR2263120,4030
2016-12-23,Bank account or service,Checking account,Using a debit or ATM card,,"I 'm dissatisfied that Eagle National Bank is charging me {$5.00} to replace a defective debit card they forced on me with the "" enhanced chip technology. '' The chips are so fragile that unless you keep each card protected in a silk sleeve, locked up in a safe deposit box 3 stories underground with an armed guard, it 's not going to last. Every checkout person I 've talked to says it 's incredibly common, so I know Eagle National Bank is replacing countless debit and credit cards for their customers due to defective technology, but instead of doing the right thing for the customer and replacing the card for free, they charge {$5.00} and leave the customer with the impression that it must be our fault. Sure, it 's the customer 's fault. Is that the brand Eagle National Bank wants to promote?",,Consent provided,Web,2016-12-23,Closed with monetary relief,Yes,No,CR2262629,195
2016-12-23,Credit card,,Payoff process,,"Eagle National Bank HAS HIRED A LAW FIRM XXXX THAT IS VERY AGGRESSIVELY ATTEMPTING TO COLLECT ON THIS 5 YEAR OLD ACCOUNT. I HAVE ATTEMPTED SETTLE THIS DEBT WITH Eagle National Bank WHO IN WRITING CONFIRMED THEY STILL OWNED THE NOTE BUT REFUSED TO ACCEPT A PAYMENT OR TO NEGOTIATE A SETTLEMENT. 
XXXX XXXX HAS REFUSED ALL OF MY ATTEMPTS TO SETTLE THIS ACCOUNT ON BEHALF OF Eagle National Bank, AND ADDED ON EXCESSIVE FEES ON THESE XXXX ACCOUNTS EVEN AFTER I HAVE EXPLAINED THEM MY FINANCIAL HARDSHIP POSITION AND BEING A SURVIVING CHILD OF A XXXX VET ALL MY REQUESTS AND ATTEMPTS TO SETTLE PAY AND NEGOTIATE THESE ACCOUNTS WERE IGNORED ANY MY CONSUMER RIGHTS AND PRIVACY HAVE BEEN VIOLATED ON NUMEROUS OCCASIONS. PLEASE HELP",,Consent provided,Web,2016-12-23,Closed with explanation,Yes,No,CR2260728,5273
2016-12-23,Credit card,,Credit card protection / Debt protection,,"I have been a customer with Eagle National Bank for over 16 years. I have a credit monitoring service that contacted me regarding possible Credit Card ( CC ) issues that will affect my credit rating. The card was issued by Eagle National Bank ( EN ) and according to them I was a co signer. According to them this was for my daughter and done XX/XX/XXXX. The report to my XXXX rating account was due to the card going overlimit ( Not for non payment ). I canceled the CC so further issues were not created, and requested they investigate the matter as I had no record of this. EN sent me a Fraud application to my accurate address dated XX/XX/XXXX. Since I did not know anything about this card my daughter said this was her card and I told her I had canceled it and she could get another, and she needed to pay off the balance. I was never contacted again. XX/XX/XXXX I was offered a CC by EN for a XXXX. I applied and was given a card with a 25 % interest fee. When I checked my credit report I found that EN was reporting that I had not paid the questioned account we discussed XX/XX/XXXX. EN had all the information to help correct the problem. EN has not contacted me with a demand notice or any further request to clear the CC issue but they did kept sending to the credit report companies I was Not paying my bills. EN now have a way of posting to my Credit account deficiencies I know nothing about but will still give me credit at high rates!! 
So a Eagle National Bank can ruin a persons credit then offer them credit at much higher rates because of low credit scores that Eagle National Bank inflicted on the consumer. I spent over 12 hours trying to get them to correct my credit report. I was advised that the CC was paid in full, I am not in cummunication with daughter but via third party told her to pay the bill - however EN will not correct the damage to my credit rating. This is Bank fraud!!! - Nothing further was snet from EN to me. I assumed that because the",,Consent provided,Web,2016-12-23,Closed with explanation,Yes,No,CR2262474,946
2016-12-23,Credit card,,Other,,"I received notification from Eagle National Bank ( via their XXXX app ) that I was pre-approved for a secured credit card. I submitted my application, online, and was notified immediately that it was under review. I received XXXX letters dated XXXX XXXX. 2016. The first advised that my application will be approved once the collateral ( {$99.00} ) has been verified by my bank ( also Eagle National Bank ) and it states the card would be sent within XXXXXXXX business days. The second letter stated that I need to contact Eagle National Bank to provide the requested collateral within 60 days. I called today XXXX XXXX ( on my vacation day from work ) and was advised that my application had been closed, and the rep XXXX '' advised she could re-open it with my collateral today. She then advised after attempting to re-open my my application I was denied based on my credit report. I advised that my letter said I was approved pending my collateral and explained that I had not received a letter that my application was closed no that I was denied due to my credit report. I told her I do n't understand how that could be considering I just received an approval letter and no denial letter.",,Consent provided,Web,2016-12-23,Closed with explanation,Yes,No,CR2263076,2200
2016-12-23,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-23,Closed with monetary relief,Yes,No,CR2263073,942
2016-12-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-12-23,Closed with explanation,Yes,Yes,CR2261635,624
2016-12-22,Bank account or service,Checking account,Deposits and withdrawals,,"I have set up through Eagle National Bank an automatic bill pay toward my student loans. In XXXX 2016 I had refinanced my student loans and my payments were deferred for the month XXXX 2016 and XXXX 2016. I thought I had cancelled the automatic bill pay for XXXX and XXXX 2016. The payment for XXXX did not process. However, the XXXX payment did process. I contacted Eagle National Bank on XXXX XXXX when I saw the payment for {$400.00} processing. I was told that there is nothing that they could do until the payment posted to my account. I called Eagle National Bank on XXXX XXXX when the payment posted to my account and I was told that there was nothing that they could do to reverse the payment since it was done through bill pay. They told me to contact the vendor who received the payment. The vendor initially told me that it will XXXXXXXX business days for a decision regarding my refund request. I contacted the vendor again and was later told it will take XXXXXXXX days for them to reverse the payment and that I should process the refund request through my bank since it was a ACH payment and they can refund the money back to me faster. My bank keeps telling me that it was not a ACH payment and that they can not reverse the payment even though I am disputing the payment.",,Consent provided,Web,2016-12-22,Closed with monetary relief,Yes,No,CR2262066,12376
2016-12-22,Bank account or service,Checking account,Using a debit or ATM card,,"In XXXX I was vacationing in XXXX XXXX XXXX XXXX. I experience identity theft and my account was charged almost {$600.00} I filed my fraud claim with Eagle National Bank and they came back and said because I had made purchases the same day the fraud had occurred with the same merchant the frauduelent vendor had also used that they are unable to determine if any fraud has occurred. This is why we sign receipts, the bank is not doing their due diligence and im out {$600.00}. Because every vendor in XXXX uses the same merchant that should n't be my problem. Please help",,Consent provided,Web,2016-12-22,Closed with explanation,Yes,No,CR2261460,2339
2016-12-22,Bank account or service,Checking account,Problems caused by my funds being low,,"Went to local ATM with teller assist in XXXX, MD to cash check and deposit cash on XXXX/XXXX/2016. ATM with Teller assist not working. Due to long lines could not wait had to go to work XXXX XXXX XXXX. Got OD charges because deposit not made by certain time on XXXX/XXXX/2016. XXXX OD charges {$35.00} each. 
Requested refund due to ATM with Teller assist not working. Customer service Rep XXXX on XXXX/XXXX/2016 at XXXX advised : 1 ) Why did I not deposit previous day ( because payday was XXXX ) 2 ) Why not use mobile App to make deposit ( because I ca n't cash check with mobile app AND I do n't have mobile app ) 3 ) Several other ATM 's within driving distance ( Went to ATM close to home and job and within my available time ) This customer service representative was argumentative and confrontational in their words and position taken with a polite voice. 
This customer service rep represented the Bank as if the Bank 's broken ATM/Teller Assist functionality is not the Bank 's problem, is not the bank 's responsibility and will not address any problems caused to the consumer as a result of such broken equipment. I disagree. 
This Bank a XXXX dollar Bank, should take responsibility for broken equipment and should reverse fees caused if they resulted from a consumer 's good faith attempt to use the bank 's services that they expected to be there.",,Consent provided,Web,2016-12-22,Closed with monetary relief,Yes,No,CR2261989,1299
2016-12-22,Bank account or service,Checking account,"Account opening, closing, or management",,"When I opened my ck'g accts at Eagle National Bank , I was assured I would not be charged acct maintenance fees for the 2nd acct ... However, I am being charged $ XXXXmonth for an acct that actually protects EN interests ... I use this acct as a "" pocket money '' vs carrying cash. If my card gets skimmed, I keep only a few {$100.00} in it to be drained and disputed ... However this also protects me, also.. As the dispute process is very egregious and flawed where EN does not have their customer 's best interests at hand ... I want the $ XXXX/mo fees that began in XXXX to be returned .... 

This brings me to my second issue.. On XXXX occasions I have disputed card transactions with EN and instead of being my advocate, they either side with a corrupt merchant or place my resolutions out of grasp.. I want the disputed amounts refunded.",,Consent provided,Web,2016-12-22,Closed with monetary relief,Yes,Yes,CR2261875,2626
2016-12-22,Credit card,,Other,,"Eagle National Bank took {$4700.00} out of my personal checking account today without my authorization. I called to get information as well as get my money back, they told me it was for an unpaid business credit card I opened in 2014. I told them I never opened a business or personal credit card with them and to put the money back into my account and conduct an investigation. They told me they will conduct an investigation in XXXX to 90 days and will not give me my money back until the investigation is complete. I feel helpless and I do n't know what to do. Please help.",,Consent provided,Web,2016-12-22,Closed with explanation,Yes,No,CR2261416,2882
2016-12-22,Credit card,,Other fee,,"Eagle National Bank XXXX was closed out by Eagle National Bank. XXXX has charged a {$75.00} annual fee the month prior to deciding to close out my account. I have requested that BAC reverse off the annual fee which they are refusing to do so. 

I have talked to XXXX area on this account and reversing off the annual fee. I 'm being told that they will not reverse off the annual fee nor provide the agreed upon benefits for the card since they closed out the account and it has a balance on it. 

Eagle National Bank is assessing me an annual fee that would provide benefit of new mileage points, discounted companion fee and free checked bags on XXXX. Since this account is close none of those benefits are provided. 

I requested that they product change to a no fee card. Once again this was refused. 

I have to question the legality and ethical behavior behind charging an annual fee on a card and not providing the benefits associated with that card. 

The last contact I had from a supervisor XXXX XXXX XXXX is that they have a contractual agreement with XXXX to charge the fee even when the account is closed. 

All my requests to have this escalated up to a XXXX level at Eagle National Bank have also been stonewalled by representatives. It would appear that the institution is doing their best to not have the customer talk to individuals who can actually make an informed decision.",,Consent provided,Web,2016-12-22,Closed with monetary relief,Yes,No,CR2261145,2663
2016-12-22,Credit card,,Billing disputes,,"In short, I believe XXXX ( or more ) "" XXXX Credit Card Accounts, '' issued from EN years ago, have been destroying my credit rating XXXX. XXXX XXXX XXXX - XXXX AZ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *both XXXX & XXXX were mailed to old/incorrect address, were supposed to have been cancelled and new cards were issued that we used. they incurred annual fees automatically but were never paid resulting in late fees/charges/ XXXX. Personal XXXX ( XXXX ). See below for full reference. Was active paid off in full. cut up card. went into defa I had/have a number of different credit card accounts with Eagle National Bank ( background : was doing property renovations in XXXX real-estate market - "" fixing and & flipping SF homes '' ). Although we had XXXX very successful, small apartment repositions XXXX XXXX XXXX XXXX XXXX XXXX we also purchased over XXXX single-family homes near the end of a bull market. In any case, we had about XXXX different project co 's with bank account & credit cards - that was personally guaranteed by ( SSN *********** ). 
In any case, given poor timing/market cycle the house-flipping biz did not end well in XXXX and I got stuck with credit card debt. I 've always had great credit, as I 've been banking personally with XXXX XXXX since XXXX. My credit score was always over XXXX and I wanted to keep it up - so I kept paying down the biz debt each and every month with payments at/ & gt ; minimum. Recently, I found out to my horror and shock that my credit score had dropped to ~ XXXX. 
Note : I was not actively using any of these corporate cards, given the XXXX partners had dissolved the partnerships. 
The EN letter re cc account XXXX ( below ) relates to the above letter and I called EN to find out why they cancelled this account. I was totally shocked, given I had been making all these corporate debt payments each and every month ( I kept track of these in a detailed spreadsheet ). 
What I learned was that a PERSONAL XXXX XXXX XXXX XXXX credit card account - that of XXXX EN XXXX account ending in ( address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ) had gone into default due to lack of payment. I found this outrageous, as I had completely paid that card off to zero balance and then cut up that personal credit card. I was told that it had an annual fee that was automatically charged to the account. I understood that, but I had NOT received any email or phone calls or mailed correspondence alerting me to a positive balance, late payment of alert of pending cancellation/default. Due to that ( unjust? ) event, EN realized there was a XXXX card - and XXXX XXXX XXXX XXXX XXXX XXXX corporate credit card ( personally guaranteed by me ) and arbitrarily cancelled it - without any phone/mail notice to try to resolve the issue. I confirmed that they had the correct address at the time and phone numbers. ( Possibly related? - I have received calls from this number XXXX last couple of days, which, to me, seems like "" telemarketer '' # *but they they NEVER LEAVE A MESSAGE!? *. Today, I decided to call them back and learned it was Eagle National Bank cc division. ) For reference : The corporate entities and respective credit card accounts with Eagle National Bank. 
- XXXX XXXX XXXX XXXX XXXX Co. 
- EN XXXX XXXX CC Account : XXXX XXXX XXXX XXXX ( actual cc # : XXXX XXXX XXXX XXXX Exp XXXX ) - XXXX, XXXX XXXX XXXX XXXX ) - EN XXXX Credit Card Account : XXXX XXXX XXXX XXXX ( actual cc # : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX",,Consent provided,Web,2016-12-22,Closed with monetary relief,Yes,Yes,CR2261641,4159
2016-12-22,Credit card,,Other,,"This is a follow-on to the response that Eagle National Bank had sent on Case number : XXXX. 

I have personal reviewed all the documents they have sent and even called some of the companies that were on the statements. However most do not respond especially the shady ones like XXXX and XXXX where I have seen alot of the transaction come from. Also there were foreign transaction fees in which makes things more confusing because I have not left the country in the specified time period that they had specified in the case. It also concern me that they say I had two account numbers XXXX and XXXX and no signed document to show that this account was opened or verifying the agreement of debt. This is their words verbatim from the letter : "" XXXX, we regret that we are unable to comply with your request to produce a copy of an original signed application for the account. The application is over five years old and is no longer available. Nevertheless, according to the enclosed Credit Card Agreement, you are obligated to fulfill the terms of the agreement after the account is closed. As of the date of this letter, the amount owed to Eagle National Bank for the credit card ending in XXXX is {$9100.00}. '' The Fair Debt Collection Protection Act actually requires the original signed form of indebtness it in light of the things that happen in the mortgage crisis that led to the Real Estate market crash of 2008.",,Consent provided,Web,2016-12-22,Closed with explanation,Yes,,CR2261367,2211
2016-12-22,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited a check on or around XX/XX/2016, at Eagle National Bank , N.A . An extended hold was placed on the funds. I did not discover why a hold was placed on the funds until speaking with a branch representative on Monday. At that time, I was informed that the fraud department unilaterally decided on Monday to delay funds availability because of the "" high incidence of fraud '' during the holiday season. I was not given a disclosure or made aware of this policy prior to depositing this check and I certainly was not given a disclosure 30 days prior to implementing this change as required by Regulation CC. 

The check was drawn on an account at XXXX. The check is from the XXXX of Massachusetts and it is for fuel assistance. I am a low-income individual, a single parent, and I need that money to be available to me. I have contacted EN numerous times and informed them that I believe this policy violates Regulation CC for several reasons and that failing to disclose this policy is unfair and deceptive.",,Consent provided,Web,2016-12-22,Closed with monetary relief,Yes,No,CR2260579,5200
2016-12-22,Bank account or service,Checking account,Deposits and withdrawals,,"I had a checking account with Eagle National Bank and was in a dispute with them over fees charged and told them I was going to open an account at another bank which I have done. In the meantime my insurance company XXXX deposited {$410.00} into the EN account instead of into my new account. The amount deposited was {$410.00} on XX/XX/2016 by ACH transaction ( electronic deposit ). I no longer have an ATM card with Eagle National Bank as I no longer use this account. I went to Eagle National Bank to get my {$410.00} out and they said this is a "" credit only account '' which means deposits can be made but I cant take anything out. I asked why I can not take the money out since the money is mine and I broke my toe and need to pay the Doctor bills with this money. Eagle National Bank customer service told me to come in and close out the account and they would not be able to give me the money since I owe {$560.00} on my account. I told them I do not owe them anything and they are not correct as I dispute those fees and will continue to dispute them. They are blackmailing me saying the {$410.00} will sit in my account until I come in and close out my account but I told them I am not going to do that unless they remove the excessive fees they charged me which I am in dispute of. Eagle National Bank told me NO. XXXX said they can not take the money out of the Eagle National Bank account even though it was an honest mistake on XXXX part, I would like the {$410.00} balance mailed to my home address. The bank can not hold this money from what my Attorney has said. ( I asked for a free consultation with my Lawyer ). He told me they are illegally holding these funds since nothing showing due on this account and there is a credit of {$410.00}. if Eagle National Bank does not mail me this money asap I am getting an Attorney involved in this!",,Consent provided,Web,2016-12-22,Closed with monetary relief,Yes,No,CR2260526,61
2016-12-22,Bank account or service,Checking account,Problems caused by my funds being low,,"Paid outsatnding balance at Eagle National Bank for checking account # XXXX that was closed with an overdraft balance. Requested proof of payment to be emailed but was refused and told I could go to the branch. Went to branch and was given the wrong paperwork. Called back to Eagle National Bank 's collection dept and was told to I should of requested an email when payment was first made ( which I did ) but now it was too late to receive an email confirmation of proof and I should return to bank and request a "" settlement in full '' letter. I was also told that if I had any more issues I should have the branch contact the collection dept. I followed the instructions given and when the branch called the collection dept the collection dept told the rep at the branch I have to wait for it to be mailed to me. I am obviously getting the run around and all I want is this resollved. I have lost time from work and ca n't open a bank account until I show proof of payment of the outstanding balance that was owed to Eagle National Bank. I have attached a copy of the amount that was debited from my bank account on XXXX XXXX to Eagle National Bank to settle the account",,Consent provided,Web,2016-12-22,Closed with non-monetary relief,Yes,No,CR2260738,2017
2016-12-22,Credit card,,Billing statement,,"I got a credit card from Eagle National Banknorth in XXXX 2015 with a {$7500.00} credit margin. I gave them my Florida adress as well as my northern adress because I live in Florida only 4 months per year. I used the card without problem until the spring of this year. An amount of {$250.00} was put on my card and the account sent to my Florida adress. The Bank says the the US Postal Service returned all statements sent to my Florida adress even though I had advised the US Postal service to forward my mail at my XXXX adress. 

I did in fact received at my XXXX adress all the mail sent to my Florida adress excep of course the statements coming from Eagle National Bank. 
Eagle National Bank had my XXXX adress in their file but they decided to ignore it. They had also phone numbers that they could use to reach me but did n't care to use them. 
Instead, they notified the credit agencies that I was delinquent, that my credit card was suspended and that they had written off the loan. 
I learned of all this from another Bank and after having paid off the amount owed to Eagle National Bank I asked them to notify the credit agencies so that my record be clean but to no avail.",Older American,Consent provided,Web,2016-12-22,Closed with non-monetary relief,Yes,No,CR2261212,3030
2016-12-22,Credit card,,Billing statement,,,,Consent not provided,Web,2016-12-22,Closed with explanation,Yes,Yes,CR2260645,3082
2016-12-22,Credit card,,Balance transfer,,,,Consent not provided,Web,2016-12-22,Closed with monetary relief,Yes,No,CR2261374,9760
2016-12-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-12-22,Closed with explanation,Yes,No,CR2260772,1608
2016-12-21,Bank account or service,Checking account,"Account opening, closing, or management",,"I had an account with Eagle National Bank in XXXX in XX/XX/XXXX and then opened another one in XX/XX/XXXX in XXXX and then opened one in XXXX, XXXX in XX/XX/XXXX. WHile a EN customer in XX/XX/XXXX I filed a complaint with XXXX XXXX and with the Mayor of XXXX, XXXX and he forwarded all my complaints to the XXXX at XXXX XXXX. And put this in a letter to me. After XXXX XXXX XXXX, XXXX, XXXX, in XXXX XXXX, called the XXXX Police on me and sent them out to my apartment. XXXX. I thought I was in trouble just like in the XXXX. XXXX and a lot of credit card debt from XXXX. XXXX contacted me through XXXX and gave me his cell number in XXXX and we got into it. I was not allowed to look during XXXX. I told them 7 years no contact just to say bye-bye during their graduation so I would not have to see them again. I did not know I was being followed. XXXX XXXX ( whose name is something else ) with XXXX transferred to Eagle National Bank on XXXX in XXXX XXXX where my XXXX mom, XXXX and my older brother, XXXX Bank for years. I thought I was having a nightmare and flash backs. and called it in the Eagle National Bankn who could not transfer me to any one named, XXXX from XXXX. I let it go and moved to XXXX and then XXXX. There is a privacy issue. I have a XXXX through XXXX case number XXXX against my mom in XXXX, XXXX, XXXX. And I am afraid she will find out where I live again and try to reconnect. I would like to relocate to XXXX in XXXX. I do not ever want to see XXXX or my mother or her family again.",Servicemember,Consent provided,Web,2016-12-22,Closed with non-monetary relief,Yes,Yes,CR2259423,7166
2016-12-21,Bank account or service,Checking account,Problems caused by my funds being low,,"My Eagle National Bank checking account had been overdrawn for a few days by the time I got to the ATM ( XXXX/XXXX/2016 ) so I knew I had to replenish funds as soon as possible so as to avoid another "" overdrawn balance charge ''. On XXXX/XXXX/2016 at the ATM, I selected the option to view my balance. My account did not reflect another overdrawn balance charge ( each XXXX is {$35.00} ) so I assumed incorrectly that I had made the deadline and dodged another charge. My account was brought to a positive standing and that day I had spent money-I ended up checking my bank account by that evening ( XXXX ). It was {$7.00} and some change. I did not use my debit card at all XXXX so I was extremely shocked to hear my fianc inform me that my account was negative again! ( He tried to use my card but it declined ). Eagle National Bank assessed my account what they call an "" extended overdrawn balance charge ''. I called their XXXX number XXXX XXXX XXXX XXXX ) and spoke to a representative and when she said she could not do anything, she got a supervisor on the phone. After 10 minutes of waiting on hold, I was speaking to a manager who introduced herself as "" XXXX. '' I explained the situation and expressed that I feel it is dishonest and misleading to charge my account an "" extended overdrawn balance charge '' when last time I looked at my account activity, it was positive. I told "" XXXX '' this extended overdrawn charge should have been reflected to me automatically not a day after I deposit funds. She said "" the soonest our bank could have reflected that would have been the next business day ''. I asked her "" what time specifically was this extended overdrawn charge applied to my account on XXXX? '' She informed me "" there was no way she could tell me that information. '' Not only is their overdraft charge system completely unfair ( does a corporation really NEED {$35.00} each time from each customer? ), Eagle National Bank 's processing system which does n't reflect real-time balances is intentionally set up the way it is so as to continue misleading customers. I am recent XXXX from the University XXXX XXXX XXXX and not currently working. My family of XXXX is being supported by XXXX income. {$35.00} being taken from me by Eagle National Bank makes me feel so infuriated. Real families who work so much they barely have time to see their children grow up are being constantly robbed of their hard-earned money by a banking corporation that creates rules that enables them to take take take.",,Consent provided,Web,2016-12-21,Closed with monetary relief,Yes,No,CR2259010,2719
2016-12-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My grandmother opened a cc account with Eagle National Bank. I was added as an authorized user. The next day they put a fraud alert on the account. We both went into the bank on XXXX and they advised us that the alert was taken off. XXXX the alert was placed back on the card so again, I had to drag my grandmother back to bank and again they told us it was removed. I call the bank on XXXX and they refuse to speak to us or give any information besides telling us to go into a branch again. The card is needed to help pay for home repairs that have already been started on and now we have no means to pay bc the card access is on hold. I do think it is due to discrimination bc of my grandmothers age even though she has no medical issues and is in her right mind & has answered all questions they have asked.",,Consent provided,Web,2016-12-21,Closed with explanation,Yes,No,CR2259258,1134
2016-12-21,Bank account or service,Checking account,"Account opening, closing, or management",,"On the XXXX of XXXX Eagle National Bank closed my account in error. I immediately called abd spoke to XXXX who was working in EN compliance and was assured this was a bank error and would be fixed within 24 hours. The account opened again and then 12 hours later closed again. 

I rang again and talked to XXXX in EN compliance ( XXXX ) who said that she would sort everything out as this was a bank error, and that no check had been issued on the closed account. She assured me that it would all be cleared ad back to normal by the XXXX of XXXX and to please wait until then. 

I did this. On the XXXX of XXXX I rang again and EN told me that a check had been sent on the XXXX - to which I replied that I had been assured this would not happen nor would it be sent. The customer service representative said all she could do was put a stop on the check and to please wait for 7 days for it to clear. In the meantime I traveled to the US only to find that my funds were still not cleared. I went into a Eagle National Bank branch in XXXX and they said there was n't anything they could do and I should call EN again. 

Today now the XXXX of XXXX after spending 1 hour and 20 mins on the phone all the representatiives have told me that there is nothing that they can do as it was a cashiers check which has been sent to my XXXX address and that I either have to wait 90 days before they will credit me my money or post the check back to them which means I have to wait for another 3 weeks until I go back. 

So for the past 21 days I have not been able to access my own money of {$6700.00} and they have told me that I will not be able to access XXXX until I either send the check that they shouldnt have sent or another 90 days. 

As far as I am concerned this is completely unacceptable behavior for a bank when they made the error and should have immediately credited my funds back. So here I am visiting the US without access to any of my funds.",,Consent provided,Web,2016-12-21,Closed with explanation,Yes,No,CR2259944,4302
2016-12-21,Bank account or service,Checking account,Deposits and withdrawals,,"On XX/XX/XXXX I walked into the Eagle National Bank near my home to open an account with a check that I received from the "" State of California, Treasury '' for {$5000.00}. The bank indicated that a "" Hold '' would be placed on the check and the fund would be available on XX/XX/XXXX. So I agreed to the hold but also explained to the Banker my emergency need for disbursement at that time. She indicated that they could not override the computer but XXXX $ would be available on next business day. Next business day I attempted to pay a bill and the temporary bank card declined. I went directly to the branch, told them I was having difficulty with the card. The Banker look up my information and told me that the account was closed. I called customer server from within the branch and was transfered to "" risk management ''. Risk management quoted me "" Your account has been closed for reasons that we do n't have to disclose ''. My reply was "" Ca n't you verify the check? The check is from an accredable source, it is not fraudulent! The risk management agent indicated that the "" Hold '' would not be lifted until XX/XX/XXXX. I explained that the computer generated XX/XX/XXXX as my availability date, why such drastic measures, I will not be able to pay my mortgage by its cutoff and will now have 2 behind payments. My XXXX will be ruined, I have out of town family that depends on me during this season. I then ask to speak with a supervisor, XXXX XXXX. XXXX XXXX recognized my plea, spoke with the assistant branch manager to confirm our arrangements. The arrangement were, "" customer will come in branch on XX/XX/XXXX to pick up a cashiers check ''. I left the branch comforted. Mid week I did a follow up call, I spoke with a call center representative "" risk management '' to confirm our agreement. The representative confirmed notes WERE in the computer stating, '' customer will p/u cashiers check in branch AT XXXX PER REPRESENTATVE. I hung the phone up and waited for Tuesday XX/XX/XXXX. On XX/XX/XXXX I entered the branch anticipating my day. Today was the day! NOT TODAY. The bank indicated that the account was frozen and fund could not be disbursed. I told the manager to call risk management per their request, to issue funds in a cashiers check at branch location.. Well that was untrue ... risk management lied to me. Lead me on to believe that the check would be available upon clearing. Even tho they treated me like I had committed a crime by shutting my account down, not wanting to disclose why, and not holding up to their part of the deal as noted. They erased the notes in the computer, not recognizing the fact that notes were made prior and confirmed. They also indicated that the fund were in the account on XX/XX/XXXX and I should have withdrew the funds then. Who says that! A courtesy call should have been made if the fund were ready for release. Now they say It will be an additional 7 to 10 Business days for delivery to my home because a cashiers check has been mailed since I did n't come in yesterday. I requested them to place a stop and reissue from the brand as promised. Per the representative, No stop payment can be issued besides that it takes 90 days for a reissued check. I have been pushed and shoved by an entity that does not stand on their word. What is their consequence for not abiding by the rules. AND Making my XXXX most unhappiest of all time!",,Consent provided,Web,2016-12-21,Closed with monetary relief,Yes,No,CR2257101,2090
2016-12-21,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX/XXXX/2016 at approximately XXXX ; I went to the remote kiosk Eagle National Bank ATM XXXX XXXX ) in XXXX XXXX to deposit cash, as I frequently do at this ATM. I entered my card and pin #, deposited my {$250.00} cash ... then the screen went back to the home screen as if nothing had been done.The machine did not return my card nor provide me with a receipt. I immediately called the ATM hotline number XXXX XXXX ) listed on the bottom of kiosk to report the problem. The representative ( XXXX TX ) I spoke with acknowledged that there was problem and cited an error message. He then attempted to "" refresh '' the machine remotely, with no success. He said he was dispatching a technician immediately, but it could take up to 4 hours. He did state he would note the issues and our conversation on my account.He said this type of this type of thing "" happens all the time '' and not to worry. He did close the card lost in the ATM and ordered a new XXXX.However I was not comfortable with his cavalier attitude toward the problem at the ATM ; after all he was n't the XXXX loosing the {$250.00}, so I called back. I was placed on hold for 45min when I was finally connected with another customer service rep ( XXXX AK ) in the fraud department. She said there were no notes placed on my account of any issues nor was there a record of my deposit.It did not seam as if she understood the nature of my phone call ; I know this because she continually asked me for the card number of the card that was stuck in the ATM and kept making refence to a {$250.00} deposit I made on XXXX/XXXX/2016. However she did say she would take my statement and apply a credit while it was being researched. Again my confidence was low with her ability to notate the problem correctly, and rectify the situation. I was correct ... .I called the following morning and according to the customer service rep XXXX XXXX XXXX ) there was not claim started. Again I went through the entire scenario and I believe it was corrected at that point. Now three weeks later Eagle National Bank is debiting my account {$250.00}, stating there was no problem with the ATM. Which is untrue ; my original contact at EN ( XXXX ) said he could see the ATM was malfunctioning due to the error message signal he got after keying in XXXX, which corresponded to the ATM I used. 
The customer service at Eagle National Bank has caused me many problems and money, and this is just the latest issue! 
XXXX XXXX XXXX",,Consent provided,Web,2016-12-21,Closed with monetary relief,Yes,No,CR2260427,516
2016-12-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,"the bank : Eagle National Bank has paid a check twice for the same amount Check # XXXX one time on XXXX XXXX and for the second time on XXXX XXXX, XXXX, we did present the claim to them and last week after a conversation with the representative asking for the refund since that was a check over 2 year old and posting twice we need to wait for XXXX bank we do not have our account with them we banking with Eagle National Bank",,Consent provided,Web,2016-12-21,Closed with monetary relief,Yes,No,CR2259898,9362
2016-12-21,Credit card,,Delinquent account,,"I have a credit card with Eagle National Bank, I have been paying my account on time via recurring payment or auto debit option with a fix amount of {$50.00}. XX/XX/2016 my minimum amount increased from {$50.00} to {$55.00} so the payment were less than amount due. Since I was enroll in auto debit option I was not paying attention to account statement. I found about this only when my account was reported delinquent to credit reported agencies. I never received a notification from the bank that I 'm paying less than amount due and when I called customer service the agent told me rudely that it is not their job to notify customers that I have being paying less than amount due. 
They not just reported my account late but also charged me late fee for XX/XX/XXXX till XX/XX/XXXX while I have been paying {$50.00} each month.",,Consent provided,Web,2016-12-21,Closed with explanation,Yes,No,CR2257896,6067
2016-12-21,Credit card,,APR or interest rate,,I was charged interest on a card that specifically had 0 % interest. They did n't cancel the fee after countless calls and complaints. I have been with Eagle National Bank for over 7 years and had never been charged interest before -- obviously that did n't mean anything to them. I will not be working with EN again.,,Consent provided,Web,2016-12-21,Closed with monetary relief,Yes,No,CR2258888,970
2016-12-21,Credit card,,Transaction issue,,"I was talked into setting up an online business by XXXX XXXX XXXX XXXX, and after that I got a charge for XXXX XXXX and I never heard of them. I never authorized any charge by them and I do not have any contracts or emails from them. They charged me {$5500.00} and I believe XXXX were the ones who charged my Eagle National Bank card {$5500.00} under XXXX XXXX.",Older American,Consent provided,Web,2016-12-21,Closed with monetary relief,Yes,No,CR2259524,1647
2016-12-21,Credit card,,Transaction issue,,"I went online to XXXX on XX/XX/2016 and purchased a TV sound bar bundle. Confirmation number XXXX. The order went through ; however, Eagle National Bank denied the charge, then accepted the charge. Since they initially declined the charge, the order with XXXX was cancelled. When I found out, I called back to XXXX who said the item is now out of stock and the offer is no longer available. I had to purchase this item elsewhere and the total loss is {$220.00}. XXXX has advised the person of wrong doing is Eagle National Bank for cancelling denying the initial transaction. I would like to be made whole and Eagle National Bank has declined a valid charge. Loss : difference in pricing {$50.00}, XXXX Cash {$150.00} ( for making purchase ), XXXX rewards {$50.00}.",,Consent provided,Web,2016-12-21,Closed with explanation,Yes,No,CR2259185,2186
2016-12-21,Credit card,,Other,,"I withdrew authorization for use of a business credit card in XXXX XXXX, 2016. I notified the bank card company and provided proof that authorization had been withdrawn this notification was XXXX XXXX, 2016 the bank ( Eagle National Bank ) has not stopped the company from billing the card in spite of the formal complaint that has been lodged. I have been charged an additional 2 months. I have filed a complaint against the company as well for using the credit card without authorization. I am seeking immediate relief of these charges and the company stop billing me.",,Consent provided,Web,2017-01-05,Closed with explanation,Yes,No,CR2258963,8362
2016-12-21,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-12-21,Closed with explanation,Yes,No,CR2260146,492
2016-12-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-12-21,Closed with monetary relief,Yes,No,CR2258807,1109
2016-12-21,Bank account or service,Savings account,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-21,Closed with explanation,Yes,No,CR2258823,2824
2016-12-21,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,Other,Web,2016-12-21,Closed with explanation,Yes,Yes,CR2260157,262
2016-12-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank is the culprit in me not being able to open a bank account with all banks. I had a checking account with them for a long time. One year I went unemployed and had an small overdraft and could n't make that payment, so EN continued hitting me with Overdraft fees every time that vendor try to charge my account. EN ran up my account into a negative balance of {$750.00} and my account was closed. Later I opened my account again and got authorization by making payments towards it and was working and everything seem to go well until ... in XXXX, I got an job offer in an email stating that they will send me checks and all I have to do is deposit it into my account and send out check payments to business people in other countries and I keep 20 % of it. Well at the time it was n't made known to the public about this sort of thing and I thought it was a legit business on the internet to work a part time job for this company. So I deposited that check for about {$5000.00} dollars and I was waiting for it to clear so that I can write out those checks and send it out and keep my working fees. Well what happened was EN closed my accounts again and stated that I was "" fraud. '' I did n't understand why so since XXXX, I have lost my account with EN. I called to ask why and they said ; that I was fraud because I tried to deposit a "" fraud '' check into my account. I have the old way of Banking that when you deposit a payroll check from your job they get the fund from the employers bank and if they are no funds then it 's the employers at fault, not the employee for depositing the check into their account. ( not knowing that the check was bad ) This is what happened to me. Now I know if anyone gives me a check in the future, I call the bank that is listed on the check and verify if the check is good before depositing it into my account. So now EN thinks I am the fraudulent person, when it was n't I that created the check it was someone else from the internet that sent it to me via mail and I was naive employee that thought I was getting paid and to payout a portion to other employees in other countries. Therefore, because EN thinks I am the fraud when it was my employer that is the fraud for sending me the check and it was a good thing I waited for it clear, I would have sent out my own money and I would have lost lots of money in my EN account. 
Now EN placed my name with "" XXXX '' and "" XXXX '' preventing me from opening a bank account in my neighborhood so I can do my banking. It has been 3 years now and I could n't open an normal bank account to deposit my earnings and do normal American Banking. Furthermore, I have filed a Chapter XXXX Bankruptcy with the US Bankruptcy Court - XXXX Washington - Case # XXXX - Filed XXXX/XXXX/XXXX and Meeting Creditors was on XXXX/XXXX/XXXX and it was "" Discharged '' EN was included in my Chapter XXXX Bankruptcy. I have notified EN Recovery and they have cleared all of my negative balances and XXXX them out, I no longer owe EN anything. However ; EN Risk Management has place in the "" Red File '' and I can no longer re-open my EN account anymore. EN has place the "" XXXX and XXXX '' against me, They refuse to remove my name from their files, even after my Chapter XXXX Bankruptcy that includes EN. I need your help in telling them to remove my name from XXXX XXXX and XXXX so that I may bank again like every normal Unites States tax paying citizen of over 20 years now. I think it is unfair that I ca n't open a normal bank account with any bank because of EN careless and their vindictive attitude towards me the American common people that needs a bank to save their earnings and earn interests and do my everyday banking needs. I need your help in getting EN to remove my name from XXXX XXXX and XXXX please. 
Thank you ...",,Consent provided,Web,2016-12-20,Closed with explanation,Yes,Yes,CR2257726,2184
2016-12-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Hello, I 'm a customer of Eagle National Bank and I have a complaint in with them already. I received a from XXXX XXXX. Her number is : XXXX XXXX. She instructed me that the inquired was pulled on XXXX XXXX, 2016 was legit and they would not be able to remove it. However, the inquire listed on the letter attached to this e-mail is not in question in question ... It seems that did not read or ignored the screen shot of the inquire in question as it attached the first complaint ; in addition, to this XXXX. 

They are avoiding that fact. It 's clear that FIA/CS pulled my credit report on XXXX/XXXX/2016. I have supplied that screenshots of the inquire pulled from XXXX on XXXX/XXXX/2016. I was instructed that they use XXXX to pull my credit as I knew they were some issues on XXXX getting corrected. 

Now, let me make this clear. I was using my "" person credit profile '' for "" Business Credit '' ; therefore, EN pull my personal credit report to get credit for business name and they pulled it from XXXX I was mislead as ask a number of time this would be pulled from XXXX. 

I have attached the letter from Eagle National Bank dated XXXX XXXX, 2016 in response to this dispute and they have responded with a TOTALLY DIFFERENT DATE OF THE INQUIRE IN QUESTION ... Please see attachments for all details. 
Here is the CFPB # XXXX is the first complaint.",,Consent provided,Web,2016-12-20,Closed with explanation,Yes,Yes,CR2257864,7678
2016-12-20,Credit card,,Closing/Cancelling account,,Eagle National Bank charging interest rates even though account was paid off and closed. They keep charging interest payments and seem to not close account even though I have called numerous times.,,Consent provided,Web,2016-12-20,Closed with monetary relief,Yes,No,CR2257568,7843
2016-12-20,Credit card,,Closing/Cancelling account,,Eagle National Bank gave me a payoff balance to a credit card. I sent the check in full and asked to close the account. Eagle National Bank did not close the account and charged me {$15.00}. They than reported it late for the next 120 days. At this point they closed it and removed the {$15.00} charge. This damaged my credit score tremendously and ability to obtain credit.,,Consent provided,Web,2016-12-20,Closed with monetary relief,Yes,No,CR2257861,10714
2016-12-20,Credit card,,Late fee,,"Dear CFPB. It has come to my attention recently that Eagle National Bank had reported delinquencies to my XXXX credit reports for XXXX of 2014 after I paid my cards off in full at the branch for {$1200.00}. I was unaware that there was any more of a balance because I had not received my statement for XXXX. Unfortunately they had charged me interest on top of my annual fee that month and I was left unaware and had not received any phone calls or letters following up on this unfortunate situation. I was not given any tpe of grace period to make-up for the unseen payment and this has absolutely devastated my financial profile and I am now unable to financially do anything as this XXXX small lost statement has tanked my credit score. This is unbelievably unfair and I even sent Eagle National Bank a long and detailed letter explaining my situation and the sad situation where their statement had not been received after I had paid the card off. I feel as though they have no sympathy or an understanding as to what I had to go through to find out that their interests and annual fees had accumulates unseen. This is simply not my fault, these things happen and I requested that Eagle National Bank change their past due reporting because I had not received any warning phone calls, and heads up or any concern from them regarding this. I am and always have been a loyal customer and they sent me a letter claiming that I am repsobile for this late but I am absolutely not. Once it came to my attention at the branch that I had unseen balances on this card I made a large payment to cover it all. I am very financially responsible and this was not my fault. Even at the branch i was not told that I had any minimum payments to pay and I was aware that i had a zero balance after making a complete and full payment the month before. It is completely unfair that after a few days of not receiving a payment this company neither contacted me nor did they follow up with me, they simply sent me into default for that month. They have charged me over {$200.00} in fees that year and this is unheard of and I ca n't understand why. They did this and now i have a balance even higher than i suspected on a month where i received no statements or email regarding a payment that was due. I asked whether my mail was returned and no associate was aware nor had they any answers for me. Please investigate this situation for me. this is not fair at all.",,Consent provided,Web,2016-12-20,Closed with non-monetary relief,Yes,No,CR2257583,4305
2016-12-20,Credit card,,Billing disputes,,"I returned the product on XXXX XXXX, and the merchant received the item. ( I keep the records. ) However, I did n't get my money back until now. This company seems a fraud company based on lots of customer reviews. When I noticed that, I filed the claim on XXXX XXXX to Eagle National Bank to get my money back. But the merchant insisted to send an unworkable cell phone to me, and requested the money from Eagle National Bank ( EN ). After I returned the product back and contacted with EN, EN said that they already sent the money to them and closed the case. Further, because my case is expired, EN ca n't reopen my case again ; thus, I did n't get the money back until now. 
I contacted with the seller 's bank "" XXXX '' and they told me they are pending the transition right now, but they ca n't sent the money back to me, either. 
I hope it is not too late to get my money back before XXXX transfer the fund to the seller. Could you help me to solve the problem? 
Thank you so much.",,Consent provided,Web,2016-12-20,Closed with explanation,Yes,Yes,CR2255782,4161
2016-12-20,Bank account or service,Checking account,Deposits and withdrawals,,Had a deposit come in for {$1800.00}. Bank says my acct was hacked and funds taken out. It was sent to fraud department and as of today 4 and a half months later I still have not been reimbursed.,,Consent provided,Web,2016-12-20,Closed with explanation,Yes,No,CR2256246,395
2016-12-20,Bank account or service,Checking account,"Account opening, closing, or management",,"I have been using Eagle National Bank for a few years. I have found that in recent months the quality of service has declined dramatically. 
1. I had a debit card purchase and deposit on the same day just a few hours apart and EN processed the DEBIT before the CREDIT of the deposit. This is something new that I have not experienced before. Typically in the past all credits to the account have been processed first and then the debit transactions have been processed. When I inquired about this with the EN call center I was berated by the associate. She stated that I should have known that debits would be taken before credits to the account no matter if they are processed in the same day or not. She then said that she would be putting notation on my account that I was informed of this policy and that I could not use this excuse when calling the customer care line in the future. Of course, no one wants to have a fee assessed to their account but from time to time it just works out that I do have overdrafts on this account and I willingly pay the fees and never dispute them because this is a cost I am willing to pay to have all items clear the account, and I may make deposits on the account once transactions clear. In this case I was shocked to be assessed this fee and simply wanted information. The associate did remove the fee but only after scolding me and stating "" You should have known, and now you do ; next time you will need to pay the fee. '' 2. I was recently in a branch XXXX XXXX XXXX XXXX XXXX and the teller was extremely unhelpful. I needed a bank issued check for a large purchase. The teller did not inform me of the cost of the banking item and when I filled out the withdrawal slip to have the check drawn from my account she yelled at me that there was a fee and I needed to add that fee into the withdrawal amount. After redoing the paperwork for the process I asked to speak to a supervisor in order to get more information about my account and the transaction I was processing. I mentioned that I was not happy that I was treated with such disrespect and that fees were not clearly stated by employees. XXXX can not assume that the consumer is aware of this type of fee as its not something that a common consumer needs frequently ( I do all banking online and at ATMs. ) The supervisor stated that is just the way the structure of Eagle National Bank is set up and that the teller was having a bad day and that I could have looked up all this information online. He said, "" sorry, but you have to excuse her she 's going through a rough time, here is your check, did you want anything else. '' I was pretty taken aback even in New York XXXX where customer service is typically quite raw, this was just terrible. I went home and researched the banking product fees and was not too happy to find that the Eagle National Bank employees could have suggested several different products costing less and achieving the same result as the Bank Check. Poor customer service, sad that they are not honest about consumer options.",,Consent provided,Web,2016-12-20,Closed with explanation,Yes,No,CR2256987,7970
2016-12-20,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-12-20,Closed with monetary relief,Yes,No,CR2257630,3084
2016-12-20,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2016-12-21,Closed with explanation,Yes,Yes,CR2256927,3491
2016-12-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-12-20,Closed with explanation,Yes,No,CR2257218,2445
2016-12-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-12-22,Closed with explanation,Yes,No,CR2256848,4546
2016-12-20,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-12-21,Closed with explanation,Yes,No,CR2257202,115
2016-12-19,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I have a checking and credit card account with Eagle National Bank. I was called on XX/XX/2016 by BofA Collections. I authorized a payment of {$110.00}. On XX/XX/XXXX I was notified my acct was overdrawn. I checked on XX/XX/XXXX an illegal transfer of {$220.00} was taken out of my account and applied to my CC. 
On the XXXX the {$110.00} was transferred out. I called BofA and their CS Rep stated she will xfer the {$220.00} back in 1-2 bus days. I waited a few business days and nothing. I filed a fraud report, the rejected it since they did n't loose any money, I have the letter. Collections stated it was pending the transfer takes up to 7 bus days. Several other business days went by. I called fraud to dispute their letter. They needed to do an internal investigation if an employee is making these transfers illegally to get his collectable number up. That rep stated she would have her manager transfer the money in 24 hours and they would look into it. Many days later I still have not seen the transfer. I believe it is a bank directive to have their employees bring their collectable numbers up by what ever means. I warned several people at BofA that this is worse than XXXX falsifying accounts. 
This was theft and at a large scale, grand larceny. Please investigate. I would like the money transferred back and I will decide on the next payment. This inconvenience caused me me to be late on a lease payment and I had to sent {$40.00} more.",,Consent provided,Web,2016-12-19,Closed with explanation,Yes,Yes,CR2255158,617
2016-12-19,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I transferred XXXX IRA 's to Merrill lynch last year. From the time I opened my account I was asked repeatedly by the broker in XXXX to return to his office to fill out the same forms over and over again. I also was asked to provide a death certificate for the inherited IRA, which I did to the merrill lynch broker in XXXX and again to another merrill lynch broker in XXXX. I had to provide the death certificate before I could withdraw the RMD required minimum distribution. I also filled out forms so the RMD would be withdrawn automatically and sent to me. last Friday I called merrill lynch to see what happened to my RMD. I was told they dont have the form for an automatic withdrawal on file but they would send me a check as I requested. Shortly thereafter I received a message on my phone telling me to call merrill lynch. I did and when I was finally able to get through their automated phone system i was told they refuse to send me MY money from MY account in the RMD unless I send them a copy of the death certificate, which i already did twice. If I do n't receive the RMD before year end I will have a problem with the IRS. I ask you to contact merrill lynch and get me my money now, I also read in the past merrill lynch entered into a consent decree when sued by you, Apparently merrill lynch does not take you seriously as they continue to flout the law, therefore I ask you to fine the as much money as you can and to revoke the brokers licenses of all those involved in attempting to deny me access to my money.",,Consent provided,Web,2016-12-19,Closed with explanation,Yes,No,CR2255062,234
2016-12-19,Bank account or service,Checking account,Deposits and withdrawals,,On XXXX/XXXX/2016 I made an online transfer via my Eagle National Bank online account to my landlord who uses XXXX XXXX Bank. Eagle National Bankn withdrew the {$2000.00} of funds from my account on XXXX/XXXX/2016 but never delivered it to the recipient. I have discussed this with both the recipient and XXXX XXXX Bank and they confirm as of XXXX/XXXX/2016 they have not received the funds. I have asked Eagle National Bank to put the funds back in my account as they failed in their delivery of the funds. To date they have refused to put my funds back into my account.,,Consent provided,Web,2016-12-19,Closed with explanation,Yes,No,CR2256721,3131
2016-12-19,Bank account or service,Savings account,Deposits and withdrawals,,"There were 3 unauthorized withdrawals made to my Eagle National Bank saving account during 3 consecutive days between XXXX to XXXX, same bank location, They took {$450.00} the first day, then another {$450.00} and the last day they tried {$850.00} but they failed to withdrew the money so then they tried once again another {$450.00}. The bank called me informing me about this suspicious transactions until the third day. They said they would investigate, after several days without any update I called the bank and someone very rude told to stop worrying about it because at the end the money is insured and they will contact me when they finish the investigation. The day after I received I call from the bank informing me they determined the transactions were authorized and they will not give me back the {$1300.00} someone stole from my acct. I ask them about photos of the person who withdrew the money they say they call me to schedule a appoint to go to the bank and they will show me the photos/video. Several days passed and still no word from them I called once again and that 's when said they will not provide photos or any other proof, they solely based their claim of the transactions being authorized because the person who withdrew the money knew the pin number. They offered me to go the police if I wanted to put a complaint. I ca n't believe the bank does n't understand when I tell them I have my Card with me 24/7, I live alone, I barely withdrawn money from this account in the last several years, only deposit, still they seem fixed in the fact the person who took the money knew the pin number.",,Consent provided,Web,2016-12-19,Closed with monetary relief,Yes,No,CR2256338,2363
2016-12-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"XXXX ( Eagle National Bank ), as trustee, settled a trust in XX/XX/2016, that included real estate. It held back {$10000.00} in cash from the asset distribution as "" Real Estate Reserve '', to cover additional expenses pertaining to the real estate, such as transfer fees, real estate taxes, etc. We agreed to that when approving the structure of the initial distribution. 

The real estate now has been fully distributed, so XXXX no longer has any related liability as trustee. It did incur additional real estate taxes, and transfer costs for deed, recording, etc. However, it has not distributed the remaining funds held back as reserve. 

I have made four inquiries to the office that managed the distribution, and the last two have been ignored. This appears to be a case of XXXX holding on to our money without any legitimate reason to do so.",,Consent provided,Web,2017-01-26,Closed with explanation,Yes,No,CR2254745,222
2016-12-19,Credit card,,Other fee,,"Again, this is unacceptable. You 're telling me that I am liable for charges that someone in your company thought it was ok to illegally sign me up for, and I am liable because I did n't cancel within 30 days? I would have gladly done so if I would have know I was being charged every month. But again, I had no idea because I did NOT sign up for this credit protection. I do not dispute interest charges, I know I had a balance, there is no reason to dispute those. However, I am disputing these illegal credit protection charges. Also what is this Sales practice litigation settlement? I did not receive anything regarding this. Where is my signature, where is my phone call or memos showing that I authorized this? Again, someone at your bank, had an incentive to do this without proper authorization! I want these unauthorized fees back. Maybe I need to go somewhere else for assistance and make it known that Eagle National Bank illegally sets up fees on people 's accounts and just because it was past 30 days, the customer is liable for it.",,Consent provided,Web,2016-12-19,Closed with explanation,Yes,No,CR2256738,4463
2016-12-19,Credit card,,Other fee,,"Again, this is unacceptable. You 're telling me that I am liable for charges that someone in your company thought it was ok to illegally sign me up for, and I am liable because I did n't cancel within 30 days? I would have gladly done so if I would have know I was being charged every month. But again, I had no idea because I did NOT sign up for this credit protection. I do not dispute interest charges, I know I had a balance, there is no reason to dispute those. However, I am disputing these illegal credit protection charges. Also what is this Sales practice litigation settlement? I did not receive anything regarding this. Where is my signature, where is my phone call or memos showing that I authorized this? Again, someone at your bank, had an incentive to do this without proper authorization! I want these unauthorized fees back. Maybe I need to go somewhere else for assistance and make it known that Eagle National Bank illegally sets up fees on people 's accounts and just because it was past 30 days, the customer is liable for it.",,Consent provided,Web,2016-12-19,Closed with explanation,Yes,Yes,CR2254851,4519
2016-12-19,Credit card,,Billing disputes,,"In XXXX 2016, I received a letter from Eagle National Bank stating they had a new bill payment system and to log in and sign up. I logged in and saw that my bank account info was already in and ensured it was correct for auto payments. I then changed over to paperless billing. Fast forward to XXXX 2016 and I tried to use my card and it declined. I logged in on XXXX/XXXX/16 and noticed I was late for a payment from XXXX/XXXX/2016. I immediately made the payment and tried to check my online payment system, which seemed to have my correct bank account. This 30 day late was then reported to my credit bureau on XXXX/XXXX/16, which dropped my score dramatically. Problem is, after further review I never received an alert saying I was late and I wondered why my online auto bill pay did n't work. I called CS on XXXX/XXXX/2016 and was forwarded to the tech dept. After repeated attempts to reset my account to make the online bill pay work, the tech gave up and decided I would need to fill out a paper form to get set up. I then asked if the 30 day late mark on my credit could be removed and received a call back from their credit department saying no, even though my account was investigated today and it was found to have a glitch which is why I thought I was setup for payments and alerts and I 'm not! I was receiving alerts up until XXXX 2016. My alerts stopped once I tried "" their new bill payer service '' which turned out to be the worst mistake of my life. My husband is a veteran of the XXXX XXXX and we are 60 days out from closing on our home we are building and our VA loan officer says this may put our home into jeopardy.",Servicemember,Consent provided,Web,2016-12-19,Closed with monetary relief,Yes,No,CR2255949,2739
2016-12-19,Credit card,,Other,,"On XXXX XXXX, 2016 Eagle National Bank closed out my credit card account and re-opened it within a short time frame, causing an unauthorized hard inquiry on my credit report. I do not know why my account was closed out/re-opened, but have heard that some banks have done this to force interaction with bank staff so they can promote other products. I 've notified Eagle National Bank staff multiple times, they have stonewalled me with form letter legal disclaimers and no explanation. 

As a result of Eagle National Bank 's actions, there is an unauthorized hard inquiry on my credit report. I did not seek credit from BofA, nor did I authorize this credit inquiry.",,Consent provided,Web,2016-12-19,Closed with explanation,Yes,No,CR2256070,2952
2016-12-19,Bank account or service,Checking account,Using a debit or ATM card,,"At some time between XXXX/XXXX/16 and XXXX/XXXX/16 my ATM debit card was stolen. On XXXX/XXXX/16 I realized the card was gone when I checked my online banking and saw XXXX pending ATM withdrawals. I immediately notified the bank and had the card canceled. The first XXXX withdrawals were for {$200.00} and the third was for XXXX these withdrawals took place in XXXX, NY and the card was stolen where I live in XXXX, Va.",,Consent provided,Web,2016-12-19,Closed with monetary relief,Yes,No,CR2256339,803
2016-12-19,Credit card,,Other,,"I had a credit card with Eagle National Bank, and set it up with autopay. I had the autopay removed so I could control my bill paying better. I was informed that the autopay had in fact been removed. In XXXX, I remitted the amount for my monthly statement. The same day Eagle National Bank took, the monthly statement amount, plus the amount for all current charges, which totaled XXXX. I contacted them, and they verified that the error was theirs, and that a refund would be issued with 5 to 10 business days. After phone calls on XXXX XXXX, and XXXX XXXX, I got the same response. As of XXXX XXXX, I do not have the XXXX refund, which they said would be another 5 to 10 business days. I want my money ... ... ...",Older American,Consent provided,Web,2016-12-20,Closed with monetary relief,Yes,No,CR2256134,265
2016-12-19,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-12-19,Closed with explanation,Yes,Yes,CR2255084,8568
2016-12-18,Credit card,,Payoff process,,"XXXX XXXX, XXXX XXXX customer Care XXXX Consumer Finance Protection Bureau Eagle National Bank, XXXX Via : Website Complaint Submission XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : account # XXXX XXXX XXXX XXXX To whom it may concern at Eagle National Bank and the Consumer Finance Protection Bureau, Although I have written many letters about my dilemma, I will try to keep this recap short and to the point : 1. As with most Americans, I was severely impacted by the XX/XX/XXXX unprecedented financial crisis. 
2. My situation differs in that I took what I thought was the more honorable route. My debt relates to my former business, that I did not declare bankruptcy -- in other words, I did not "" use the system ''. Who thought we would be in a long-term crisis? My business faulted when XXXX XXXX, owned by the XXXX XXXX XXXX did not pay their bills for product DELIVERED. This was just before the crisis hit! 
3. Much of my business expenses were charged to this card. If you look at the former credit limit, and money used against that credit limit, and on time payables, you will see that I was never a credit risk. 
4. During this period since XXXX this EN account has been transferred from XXXX collection agency to another, so much so that I have lost track of who to submit payment : XXXX .... 
5. Recently I received demanding phone calls from another agency, name unknown, demanding payment without any written support. When I stated I would only submit payment when I received something official I was told, "" You will be listed as uncooperative. '' I have amicably settled bills with XXXX and other credit agencies through these years- not EN. Where are my rights? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX",Servicemember,Consent provided,Web,2016-12-19,Closed with explanation,Yes,No,CR2254562,4820
2016-12-17,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank contacted me to say my debit card had been compromised and closed the card. i called the fraud department and theywent over the charges that were not mine and i rcived a credit the next day. 
on XX/XX/XXXX i looked at my account and saw they took the money back and called them the associate told me to give him a couple of miutes to readthe notes but did not mute phone. 
He read the notes from the screen out lould saying i was being denied because i showed no signs of urgency, i was not upset and did not put to much intrese in the situation so he came back and said te claim was closed and if i wanted to reopen i have to fax in a letter and gave me the numer. 
I find this unfair, degrading and ilegal that they contacy mr knowing the charges are fraud and then acuse me of making them becaus i dont get worked up. 
clai # XXXX and claim # XXXX",,Consent provided,Web,2016-12-19,Closed with monetary relief,Yes,No,CR2254406,2421
2016-12-17,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank continually refuses to honor my request to opt out of any overdraft protection or coverage. I do not want any transactions that might send my account balance into the negative to be covered. If/when they are covered, Eagle National Bank is happy to charge me a {$35.00} overdraft fee. I do n't want this coverage. I want any transactions that would send my account into the negative to be REJECTED.",,Consent provided,Web,2016-12-17,Closed with monetary relief,Yes,No,CR2252960,5928
2016-12-17,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX, 2016 I went to Eagle National Bank and attempted to conduct multiple transactions. First I needed to cash my payroll check ( {$1200.00} ), I then needed to deposit {$1000.00}. I informed the teller what I needed done and was informed that she would not be able to do so. She informed me that she would not be able to cash my check and deposit the balance, but that she would be able to deposit the check and give me {$200.00} withdrawal, and that the rest would be available to me today. I asked if it would be the same as depositing my check at the ATM, and she advised me it would not because I would not be given the same available balance. So I said that would be fine. She proceeded to ask me to initial my deposit slip where she crossed out my initial deposit amount of {$1000.00}. She asked how my day was and I told her it was going good and that it was actually moving along pretty fast so it was great for a Friday. She was professional and courteous. She asked if there was anything else I needed today before she handed me the {$200.00} completed the transaction, and I said no. She handed me the {$200.00} along with my receipt and I left. I came back to the office and in reviewing my bank receipt I noticed my available balance was {$0.00} not what the teller had informed me 15 minutes prior. I called the branch to see if my transaction could be reversed. I asked the bank associate who answered the phone if I would be able to get the transaction reversed and she advised me that she would n't be able to as all of the work had just been turned in. I voiced my displeasure by telling her that this was not the first time the bank had given me wrong information and that it was very inconvenient. The associate asked me what had happened and as I began to tell her, she interrupted me, I allowed her to finish asking me the exact same question she had just asked, and I asked her if she would allow me to answer her question or if she was asking me just to ask me. She replied by telling me that she did n't need me to be rude. I informed her that she should allow a customer to answer a question as opposed to not allowing them to by speaking over them, I then asked her name she stated her is XXXX XXXX and identified herself as the assistant manager. She than asked me to let her know what happened. I informed her of the issue and she agreed that the information I was provided was incorrect and that there was nothing she could do. I again voiced my displeasure by telling her I was tired of this bank not owning up and correcting their mistakes, she said ok, and we ended the call. Now I am unable to process payments due today and will be charged for late fees.",,Consent provided,Web,2016-12-17,Closed with explanation,Yes,No,CR2253032,124
2016-12-17,Credit card,,APR or interest rate,,"XX/XX/XXXX, I 've noticed that even though I have been paying more than my minimum payment amount and paying it on time, my balance was slow to go down. When I checked my account, I noticed that my fixed interest rate of 10.99 % ( since XX/XX/XXXX ) was moved to an interest rate of 11.15 % variable. I called Eagle National Bank to ask why my interest rate was switched from a fixed to a variable when I have never not paid my bill, always paid more than the minimum amount and always paid on the due date, Eagle National Bank told me they just did it to me. I asked them was n't that against the law, especially since they never even notified me of hiking up my rate? They apologized and acknowledged that they never notified me and will now send out something to me in the mail. Is this legal? Can they get away with stealing my money like this? I need help in resolving this. Eagle National Bank can not just switch my fixed APR from 10.99 % to a variable, when I did nothing wrong.",,Consent provided,Web,2016-12-17,Closed with explanation,Yes,No,CR2254097,2512
2016-12-17,Bank account or service,Checking account,Using a debit or ATM card,,"I have been a victim of XXXX fraudulent charges in a row on my Eagle National Bank which happened XXXX XXXX, 2016. I noticed those transaction on XXXX XXXX, on my ATM mini statement and right away reported the matter to my local Eagle National Bank branch in XXXX, CT. They have told me they 'll investigate the matter and that they 've promised my funds will be back to my account in about 10 days. This incident has drained my funds and I was slapped with a {$70.00} overdraft fee which I vehemently protested because I 'm not liable for this. I kept calling Eagle National Bank hoping to give them pressure to settle this problem, I have so much bills that was hanging in the balance. Greatly this has put me in a bad side thus putting all my bills on hold. Ten days had passed and nothing has happened and all they tell me is false promises. I need my account and my money back. Wish this bank call the attention of it 's customers for such unusual transaction ( happened at an interval of XXXX minutes in one day for XXXX fraudulent transaction ) I just do n't want Eagle National Bank give me false promises, it seems to me they 're not doing enough to help their customers.",,Consent provided,Web,2016-12-17,Closed with monetary relief,Yes,No,CR2253171,1657
2016-12-17,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank has charged me XXXX overdraft fees on XXXX/XXXX/16 for {$35.00} each and XXXX internal transfer fees for {$9.00} each, stating my account was overdrawn when XXXX outbound internal account transfers were executed, however on XXXX/XXXX/16, the account was funded with {$100.00} and the credit posted on the same day the account transfers posted, leaving the account with a sufficient balance to cover the overdrafts on the same day the transactions were placed, therefore no overdraft fees should have been charged and can not be justified. This account is not enrolled in overdraft protection, and Eagle National Bank is not supposed to approve transactions exceeding the account balance. In regards to the transfer fees, Eagle National Bank is charging these fees for regular day to day account activity which is unjust and unfair to the consumer. The XXXX transfers that were performed were XXXX transfers into my checking account and XXXX transfer into my savings account to cover a XXXX dollar negative balance. I should not have been charged transfer fees and overdraft fees totaling XXXX in 1 day for performing transfers to keep my account balances positive in good faith. The overdraft fees are my primary concern because no overdraft ever occured and the account had sufficient funds on XXXX/XXXX/16. When I asked customer service to waive the fees, they denied my request as if I was asking them to waive the fees as a courtesy. I am not requesting a courtesy refund. I am requesting a refund on grounds that my account had sufficient funds on the day the transfers were executed. still, the bank continues to implement ways to profit from the customer for normal day to day account activity.",,Consent provided,Web,2016-12-17,Closed with monetary relief,Yes,Yes,CR2252513,2033
2016-12-17,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-12-17,Closed with explanation,Yes,No,CR2254252,2437
2016-12-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-12-19,Closed with monetary relief,Yes,No,CR2254213,3883
2016-12-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-12-17,Closed with explanation,Yes,No,CR2254232,2852
2016-12-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-12-17,Closed with monetary relief,Yes,No,CR2254130,3167
2016-12-17,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,Consent not provided,Web,2016-12-17,Closed with monetary relief,Yes,No,CR2254139,4432
2016-12-16,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I filed a claim with Eagle National Bank regarding an individual stealing my cards and making transactions on my cards. XXXX card was approved while the other was investigated, upon speaking to the representative they went into my other account where it was proved that fraudulent charges were made and she overrode the decision on it when I did not authorize her to even investigate that account. She was very rude and condescending as well as extremely unhelpful. I kept asking for specific documents I would need to provide to show that these transactions were not mine and she was very vague. Now she 's going to re-bill my accounts and force me to make payments on transactions that I did not make nor authorize. It 's upsetting that all my other banks were very helpful while Eagle National Bank has been horrible. I got upset and hung up the phone on her because it was very obvious that she was not interested in helping me and kept making attempts to get me off of the phone. Terrible service and employee from Eagle National Bank.",,Consent provided,Web,2016-12-16,Closed with explanation,Yes,Yes,CR2253386,1827
2016-12-16,Bank account or service,Checking account,Problems caused by my funds being low,,"I noticed online I had XXXX overdraft fees of XXXX a piece to the sum of {$170.00} and XXXX overdrawn limit fee of {$35.00}, totaling {$210.00}. I set up an appointment for thursday, XXXX XXXX @ XXXX and once there explained that my grandfather was recently diagnosed with XXXX XXXX which has also affected his XXXX and only has a short time frame XXXX and so I had been having extra expenses dealing with family and my father in helping my grandfather. When I visited the branch location at approximately XXXX I waited. There was another lady that arrived XXXX minutes after me and firstly they saw her first in which she did not have an appointment. I work XXXX with XXXX so I understand formalities, but also common courtesy. I explained to the first agent ( do not know her title ) regarding what had been happening and that I am requesting forgiveness of these fees due to circumstance. She advised me that her manager would make that call and she had to go talk to her. So, she went to do that and a manager came over and immediately stated that their system would not allow them to do it, and immediately told me to open a line of credit to take care of it. I was confused and asked who is the manager and who is in charge as the first agent made it seem as though she ( the assistance or whatever her title is ) would make that decision. She immediately tries to sell me on the idea of a credit card again. I 'm thinking how is this product going to help me right now in the moment with my situation and fees that I have by opening a new line of credit and dealing with family issues. So, they advise me, the manager, XXXX would be who I would speak with. They also advise me that she would be in that afternoon. So, from XXXX XXXX I call several times but could not reach her. There was not an email on the card they provided me. So, when I did reach someone, a gentleman answered and he took my information and stated that she would call me back. Well, I never heard from XXXX. No one every called me back. Not good customer service. I have been a customer over 10 years and if these fees can not be waived I will be closing my account and moving to another bank.",,Consent provided,Web,2016-12-16,Closed with monetary relief,Yes,No,CR2253423,4354
2016-12-16,Bank account or service,Other bank product/service,Using a debit or ATM card,,"On XX/XX/2016 at XXXX I was at Eagle National Bank 's ATM located on XXXX in XXXX XXXX NH. At this time I was making a deposit as this machine allows for this type of transaction. While making this deposit, the machine took some of the cash deposit and then apparently jammed. Before jamming the machine took in approximately {$1100.00} dollars of my total deposit. I called XXXX immediately and was advised that the lobby was closing and it would be best to come in the following morning. The machine did not give me my XXXX XXXX back and did not produce a receipt either. The next morning XX/XX/XXXX I went in and deposited the remaining {$360.00} and sat and reviewed the event with XXXX to get the formal complaint in and was assured the process would be handled quickly. 
After following up with XXXX XXXX I was advised that the process takes XXXX business days and we would hear back after that. If need be there would be a review of the cameras of this ATM to validate my claim. The 10 days elapsed and there was still no resolution and no credit in my account outside of a {$0.00} deposit on my account from the evening of the transaction. After Speaking with XXXX XXXX I was advised that there was in fact an overage of funds in the ATM but due to it not matching my specific recalled amount my claim was going to be denied. On or about XXXX XXXX, 2016 I received formal notice that my claim was in fact denied. I reached out to XXXX XXXX on XX/XX/XXXX and was advised by her that the claim was denied due to a lack of a specific amount in the report. I am unsure of how this happen as when the claim was discussed on XX/XX/XXXX we specifically stated it was {$1100.00} that the machine consumed. At this time I was advised by XXXX that she would resubmit a claim with the specific amount and see what happens. When I asked about the camera 's I was told the last who reviews them is on vacation and we could not view them until she was back in the office. On XX/XX/XXXX I followed up with XXXX XXXX to get a status update and was told they were still "" looking into this. '' I have still not received any credit to my account for the consumed dollars by the ATM. On XX/XX/XXXX I followed up in person at the XXXX with no resolution still. Just a reassurance that they are "" looking into it still. '' I was under the impression that EN submitted another request based on the specific amount but received an email on XX/XX/XXXX stating they needed the specific amount. Again this was provided at this time. XX/XX/XXXX still no contact from EN proactively. I followed up again and have received no response from EN with any resolution to this claim. The XXXX has been CC 'd on all emails and I have received no feedback from her on this matter. 
On XX/XX/XXXX during a branch visit we requested info on the claim and were told that we were not through another XXXX day waiting period and the only thing we could do is wait. Still not credit to my account for the funds. At this time we advised they have a likely XXXX violation and the we would be filing a CFPB claim and we were asked what is the CFPB.",,Consent provided,Web,2016-12-16,Closed with monetary relief,Yes,No,CR2253475,568
2016-12-16,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-16,Closed with explanation,Yes,No,CR2252560,2687
2016-12-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-12-16,Closed with explanation,Yes,No,CR2251203,3740
2016-12-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-12-16,Closed with explanation,Yes,Yes,CR2253275,3578
2016-12-15,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank closed this account, and arbitrarily decided to keep {$4500.00} of mine. They claim the money orders deposited were 'not valid for deposit '. Eagle National Bank WAS paid by XXXX for the money orders. The tracers from XXXX providing proof of payment are attached. Due to Eagle National Bank not properly investigating my initial complaint ( XXXX ), I have now incurred an additional {$130.00} expense XXXX {$15.00} per money order x XXXX ) for XXXX to provide tracer data.",,Consent provided,Web,2016-12-15,Closed with explanation,Yes,Yes,CR2251932,2337
2016-12-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Eagle National Bank has been illegally disposing of my hard earned money after over 40 years of my trusting them with my assets. it. I do not know how long this has been going on. 
In regards to this matter, I filed a case against Eagle National Bank on XX/XX/XXXX. XXXX # is:XXXX. 
I am writing to you again to provide you with additional evidence. Not only Eagle National Bank has failed to make scheduled payments on time and in the amounts I had planned to pay creditors ; they have also pretended to make payments to my XXXX XXXX account but my creditor denies receiving any such payment.- When contacting customer service at XXXX XXXX card ( account number : XXXX ) they have acknowledged receiving payment for {$45.00} but denied receiving {$100.00} The {$45.00} payment occurred only because I personally went to the XXXX XXXX store located in XXXX, MA. I gave them the cash money I had with me, {$45.00}. I had to pay cash because when using my Eagle National Bank debit card, payment to the XXXX XXXX was declined. My Eagle National Bank account had funds to pay {$120.00}. 

As you can see in the enclosed pictures, Eagle National Bank has been damaging my credit worthiness and stealing my money from my Eagle National Bank account. These pictures show the illicit behavior in the following ways : -Deduction of {$100.00} but never paid XXXX XXXX. 
-Letter of complaint by XXXX in regards to only receiving {$45.00} while Eagle National Bank kept {$100.00} kept in their pocket on XX/XX/XXXX. 
-Another issue is their scheduling a payment for {$120.00} payment to XXXX XXXX without my knowledge or consent to be paid on XX/XX/XXXX. 
I will be permanently closing my Eagle National Bank account but it will take months before I can accomplish this goal because of the very cumbersome process of reporting any account changes to multiple health insurance companies, EAPs Programs, etc. 
So far, I have been spending numerous hours on the phone calling creditors but I am the one who is not being believed, PLEASE protect me and the public from Eagle National Bank I do want this complaint to be published but my account numbers and name must be deleted as bringing public attention to my personal matters is not appropiate in my profession.",,Consent provided,Web,2016-12-15,Closed with explanation,Yes,No,CR2250156,8571
2016-12-15,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank is holding an XXXX paycheck for more than 10 days simply for processing. There is no question of the validity of the check, its source or any account disputes that need to be resolved. They are simply holding the money that I earned hostage and now I am not able to buy XXXX for my family. These banking procedures are antiquated and preposterous. I will pull all of my money out of the U.S. banking system and keep everything in cash because I am so tired of my money not being available to me when I need it. EN has the same procedures that many other financial institutions do and I have completely lost faith in the system. I want to be able to use my money when I receive it.",,Consent provided,Web,2016-12-15,Closed with non-monetary relief,Yes,No,CR2251028,137
2016-12-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am the beneficiary of my deceased brother 's ROTH IRA at Eagle National Bank, which consists of XXXX CD 's. I worked with an individual on the phone in the IRA department XX/XX/XXXX, to set up the distribution of funds to coincide with the CD maturity dates in XX/XX/XXXX, which were all within the 5 year period required by the Federal govt. However, after the first anniversary of the beneficiary IRA account, B of A sent a check for about XXXX of the IRA. After I called to complain on XX/XX/XXXX, they stopped payment on that large check and said they must do a minimum distribution. So they sent a check for {$1900.00}. I talked to a supervisor, XXXX XXXX on XX/XX/XXXX and he said it is the bank 's policy to to make a minimum distribution. However, this minimum distribution was not stated on the form I was asked to fill out when setting up the distribution, nor did the man who helped me set up the distribution mention anything about this. I have asked supervisor XXXX XXXX to send me consumer information detailing this policy of minimum distribution. He said he would look and see if anything was available. In the time between now and XX/XX/XXXX, I will lose over {$700.00} in interest due to the early distribution of funds, since there are no CD 's currently available that will pay the interest I am currently receiving in the IRA CD 's. The Federal government says that I can leave the money in the account as long as it is all withdrawn within 5 years. This interpretation of Federal law was confirmed by XXXX XXXX ( XX/XX/XXXX ) and also XXXX XXXX ( XX/XX/XXXX ), 2 Eagle National Bank IRA help desk employees. Yet Eagle National Bank policy is above the law and requires a minimal distribution, without prior notification to the customer. This is wrong. They appear to be trying to get out from paying the better interest rate.",Older American,Consent provided,Web,2016-12-15,Closed with explanation,Yes,No,CR2251712,11379
2016-12-15,Bank account or service,Checking account,"Account opening, closing, or management",,I have been with Eagle National Bank for about 3 years small business banking. When i signed up they offered alot of stuff to do with small business. I also got XXXX XXXX system which was new to keep everything up to date in my smoke shop. After hard times with my XXXX i wanted to sell it right before 3 years and now i am getting charged and termination fee and also from XXXX XXXX i am getting charge to for the XXXX XXXX which i do want to send back to them but they still charging me for it also for breaking the contract. I spoke to so many reps and told them that i never knew there was a contract i would never get it and the rep who sign me up did n't tell me of this because i would never get. When i talked to a business account rep inside the Bank to help me out he told me to open up another account and get get another merchant services account set up and i could get your money back. That does n't sound it would solve my problem at all because doing that i would be stuck again. I been giving a run around for 6 months now and they just keep getting my money and time also hurting my credit report. I asked them where is the paper i sign because the papers you guys gave me had nothing on it. I know its not me there is more customers out there who is getting hurt from this. Eagle National Bank is hurting there small business customers to hit their quota.,,Consent provided,Web,2016-12-15,Closed with explanation,Yes,No,CR2249573,4412
2016-12-15,Credit card,,APR or interest rate,,"One month, I paid only XXXX % of my credit card bill ( due to an oversight ). Eagle National Bank charged me interest on 100 % of the bill, rather than the 5 % I owed. This amounted to over 40 % interest in a month, or a APR of over 5500 %. 

I called to complain, and they reset it, but this is presumably happening to many EN customers all of the time.",,Consent provided,Web,2016-12-15,Closed with monetary relief,Yes,No,CR2251606,1442
2016-12-15,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank continues with it 's deceptive overdraft fee practices. There 's no reason why an account needs to be delayed with charges from my debit account. When I charge something at a store, the store will decline if there 's not enough money in there. If I do a point of sale purchase, the money should come out immediately. Eagle National Bank delays the actual posting so that if a larger charge comes through later, they can charge a {$35.00} per item fee. Eagle National Bank has charged me thousands of dollars of OD fees and most are for charges less then {$10.00}. How is it fair that they can charge {$35.00} for any overdraft amount, even less then {$1.00}. I have asked them several times to update my account so that charges go in the order they 're made however Eagle National Bank has stated they thought the larger charges were more important to the customer - that should not be up to the bank. I also noticed that my account started getting charged for business fees and come to find out that my account is a business account. I emailed them stating I never opened a business account that my account was a personal checking account and that they should correct that and reimburse me all the fees charged for the business account, however they did not respond and continue to charge me these fees.",,Consent provided,Web,2016-12-15,Closed with monetary relief,Yes,No,CR2251879,4172
2016-12-15,Credit card,,Identity theft / Fraud / Embezzlement,,I spoke with XXXX XXXX XXXX a couple of months ago regarding fees and unrecognized charges to the account. Was advised to send in my affidavit in which I did and that someone from the fraud department would contact me but no one never did. XXXX XXXX advised me that it may take some time for a representative to contact me which is understandable but I have n't heard from anyone regarding status or anything. I 've faxed several documents requesting an update to the fax numbers in which I was provided but never received a response nor a call back. The collection agency in which target sold the account to are trying to sue me for a balance in which I feel that I 'm not totally responsible for. If someone can give me a call with an update on the account I 'd greatly appreciate it.,,Consent provided,Web,2016-12-15,Closed with monetary relief,Yes,No,CR2250966,3799
2016-12-15,Credit card,,Late fee,,,Servicemember,Consent not provided,Web,2016-12-15,Closed with monetary relief,Yes,No,CR2250865,3126
2016-12-15,Credit card,,Bankruptcy,,,,Consent not provided,Web,2016-12-15,Closed with non-monetary relief,Yes,No,CR2249378,2231
2016-12-15,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-12-15,Closed with monetary relief,Yes,Yes,CR2251556,3403
2016-12-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,Other,Web,2016-12-16,Closed with explanation,Yes,Yes,CR2251489,1354
2016-12-14,Bank account or service,Checking account,Problems caused by my funds being low,,"after, my initial complaint with Eagle National Bank ( case # XXXX ) i decided to close my checking and savings accounts with them. I went to the bank on XX/XX/XXXX at approximately XXXX for that purpose. 
I spoke with the representative about my request ... ASKED HER SPECIFICALLY to make sure my last 2 checks had cleared ( 1 of which was written to XXXX mortgage company for payment ) she stated they both HAD CLEARED ..so I then initiated the paperwork to close the 2 accounts ... i was given the funds from those accounts and i left .the bank. 
4 days later I received a notice from Eagle National Bank, stating that my check to XXXX had been processed, apparently on the EXACT SAME DAY I CLOSED THE ACCOUNTS XX/XX/2016 ) ... .and it was "" denied "" for insufficient funds ..that was my MORTAGE payment which was written and mailed on the XX/XX/XXXX!!!! how could that happen when the representative told me it had in fact cleared and why did it take 6 days for Eagle National Bank to process ... ..it appears to me the timing is off on this SCENERIO ... if i was told it had cleared on the very day i was in there ... how could Eagle National Bank NOT HAVE PROCESSED IT BY THE TIME I WAS IN THERE AT XXXX ... ..SO YET AGAIN I am on the recieivng end ... incurring the problem and i have to do damage control ... take a hit on my credit score ..i have NEVER had a check returned for insufficient funds ... i had to call my mortgage company explain to them this was A MISTAKE OF Eagle National Bank and begged them to not penalize me OR SUB, IT A "" DELINQUENT DING "" ON MY CREDIT HISTORY BECAUSE OF A MISTAKE FROM Eagle National Bank ... unfortunately it was too late to avoid THE REPERCUSSIONS OF THIS MISTAKE WITH XXXX ... that being stated it would be nice to have Eagle National Bank contact my mortgage company and explain what happened and have the negative impact of this "" bounced "" check removed from my credit history and credit report, thus exonerating me ...",Older American,Consent provided,Web,2016-12-14,Closed with explanation,Yes,No,CR2249885,399
2016-12-14,Bank account or service,Checking account,Deposits and withdrawals,,"I had about {$1300.00} taken out from my bank 's checking account and {$200.00} from my savings from more than XXXX ATMs throughout my area. I contacted Eagle National Bank after receiving a text about unusual activity, filed a fraud claim, and then received a message that they "" do n't believe an error has occurred. '' I called them up, and they advised me to file a police report and fax it to them, and the would re-evaluate my claim. I did so, and again, I received a message that they "" do n't believe an error has occurred. ''",,Consent provided,Web,2016-12-14,Closed with monetary relief,Yes,No,CR2248984,9930
2016-12-14,Bank account or service,Checking account,"Account opening, closing, or management",,"In XX/XX/2013 I was in great standing with all of my banks and all bank accounts per bank. I had a wonderful ( and rare ) credit score of about XXXX and my financial life that I worked very hard to build was in excellent shape. In XX/XX/2013 I had a small issue and situation with one of my businesses where a partner wrote me a check where I then deposited into my account at Eagle National Bank. The first and only check of its kind. I was much later ( months later ) notified of the issue and that the check was not good. I should have been warned on time to fix the situation but I was not due to whatever reason internally at BofA. The account was closed and then I was reported to both XXXX and XXXX. I was not only reported for a charged off account but I was also reported as "" Suspected Fraud '' "" Fraud on Account '' etc ... Immediately once I was aware of this issue - I resolved my account past due ( even though the account was closed ) and I did not owe the bank any more money from that point forward. The account went {$700.00} negative ( due to the check bouncing ) and I made it good brought the account to a XXXX balance immediately when notified. I tried to dispute this FRAUD REPORTING directly with BofA for the last 3+ years and directly with the financial agencies I was reported to ( XXXX and XXXX ). Never did it conclude in my favor and the disputes were rejected with unjustifiable reasons. Now it has been years ( XXXX almost ) and the words Eagle National Bank ( wrongfully ) systematically used ( FRAUD ) on the reporting to both XXXX and XXXX have changed my life for the worst. The damages that have been done in result from their negligence and unethical practices can not be reversed. The direct harm done and punishment to victims of this situation is not yet made aware to the public or legal authorities. This case and situation should be escalated to the highest courts in the country because that is how serious my claims are and what I am a victim of. After considering the above, I am now aware of the fact that I am a victim of : Fraud/Malpractice, Negligence, and Emotional Distress - caused by BofA and in part by XXXX and XXXX for not thoroughly and lawfully investigating every reporting that comes in before flagging that person file/record - leading to a fraudulent claim on that consumers reputation and file. Legally, I can file a class action lawsuit or various types of lawsuits for a few things that BofA ( and XXXX and XXXX XXXX XXXX ) has unlawfully done to me personally and to other consumers. This has affected my life in such a way where it has caused XXXX, and my overall way of life has been completely diminished. I was a young, successful, happy, healthy man - I am currently XXXX XXXX. I now see XXXX, and I have extensive records to show that this overall situation I was a victim of was the trigger to this serious decline in my life. I have since sent them a final letter to settle my demands I requested of them ( demands that are both monetary and procedural revisions within their company ) and I recently got a denial letter back after months of considerations and communication with them. My last option is THIS - reporting to you guys in hopes of getting your help on this matter before I file a lawsuit against them. Thank you.",,Consent provided,Web,2016-12-14,Closed with explanation,Yes,No,CR2248977,2241
2016-12-14,Bank account or service,Other bank product/service,Deposits and withdrawals,,"On XXXX XXXX, 2016, I checked the status of my income tax return on the IRS website. To my surprise, I received a result that said my refund was sent to the bank information since XXXX XXXX, 2016. 
I called IRS and was told that the IRS received my income tax documents on XXXX XXXX, 2016 and immediately sent my refund, in the amount of more than {$5000.00}, to a checking account ( which resembles mine except the very and only last number ) on XXXX XXXX, 2016. 
The IRS explained to me to me that BofA should have sent the refund back to IRS given the name, account number ( if it existed ), and other account information do not match. Given that there was no record of BofA sending the refund back to the IRS, the IRS representative initiated a trace of the refund, which would take about 4-6 weeks. 
After talking to the IRS representative, I immediately called BofA, and notified them of what happened on the same day. At first, I was assured of the BofA 's cooperation and the presentative even completed a request for an investigation to attempt to solve the case internally. I was told that within 3-5 business days, I will receive the result of the investigation via mail. 
On XXXX XXXX, 2016, a letter from the BofA was received instructing me to call the IRS. 
I called the IRS again and was told that they were still waiting for the result of the trace, which was initiated on XXXX XXXX, 2016. 
On XXXX XXXX, 2016, I finally received the result of the trace initiated by the IRS. It was shocking to see the evidence that BofA accepted the refund and deposited it to the account that did n't match my name and have not returned the funds back to the IRS. 
I called BofA again. The representative said the funds was indeed received on XXXX XXXX, but was immediately returned on XXXX XXXX back to the IRS because "" there was a discrepancy between the name and the account number associated with the refund. '' I communicated this response to the IRS and I was told that the trace would contradict what the BofA representative said and that the trace would verify that BofA still has the refund. 
I decided to visit a BofA bank center in person. I was immediately turned away and was told to follow up the case with the IRS. 
BofA tossed me around with the different information provided to me by their representatives. One telephone call with a representative ( from a different call center ) would give me a different information from the other representatives everytime I call BofA. It was clear that BofA representatives did not have consistency with the information they provide their customers, as well as not having any accountability with their actions. 
When it seemed that there was no other solution I could think of or any place that could assist me in retrieving my money, I consulted IRS again. I was told that IRS has also tried to ask BofA repeatedly to return the funds, but BofA ceased on communicating with them as well. 
Up to this date, I have spent a considerable amount of time and energy trying to communicate with the BofA. Countless phone calls and letters have been sent to BofA in an effort to retrieve the money that clearly belongs to me. 
The events above show that BofA ( 1 ) deliberately showed no regard for the substantial distress and financial devastation its actions would inflict on its customer 's life and financial standing. In addition, ( 2 ) the trace initiated by IRS showed that a BofA account number that resembles mine ( the last number is the only difference ) existed and is clearly a violation of safe and security practices uphold to bank standards. Lastly, ( 3 ) BofA does not have safe and security practices in place to protect its members by accepted a transaction despite discrepancies with the bank accounts. BofA is clearly letting a stranger ( if it 's not an inside job ) to keep my money.",,Consent provided,Web,2016-12-14,Closed with monetary relief,Yes,No,CR2249652,4533
2016-12-14,Credit card,,Credit card protection / Debt protection,,"Canceled a service due to false and inconsistent availability of service. Communicated this cancellation to credit card company prior to canceling so I will not incur the monthly charge. Credit Card Company decided four months later to honor their cancellation fee when I had established that the merchant had no right to charge my card. Credit Card company gathered information from the merchant and decided they would honor their request. Credit Card company advised me they received information and after thoroughly reviewing the case they could not assist me. Upon reading their case, I found the merchant has provided them with a credit card agreement form with a invalid date of signature. Meaning, the merchant provided them a false document. The merchant provided them an agreement form of 2013 when services were not rendered nor established an entire year subsequent to this. Clearly, the merchant has gone through many obstacles to get paid ; even providing false documentation. When I advised the credit card company, they stated they will not get involved ... .although they did because they acting as a third party and granted a payment without my authorization.",,Consent provided,Web,2016-12-14,Closed with explanation,Yes,No,CR2249741,2140
2016-12-14,Credit card,,Delinquent account,,I had a Eagle National Bank credit card that is being reported as derogatory on my credit reports for XXXX and XXXX past the XXXX years allowed. It should have come off last month but is still there.,,Consent provided,Web,2016-12-14,Closed with explanation,Yes,No,CR2249524,3496
2016-12-14,Credit card,,Unsolicited issuance of credit card,,"I received a credit card from Eagle National Bank that I did not request. 
( card # XXXX ) Exp XX/XX/2020 )",,Consent provided,Web,2016-12-14,Closed with explanation,Yes,Yes,CR2249525,4386
2016-12-14,Credit card,,Customer service / Customer relations,,"On about XXXX XXXX of this year I applied for and was approved for a Eagle National Bank Cashback credit card. My wife and I got our cards about 3-4 weeks later and started using them shortly thereafter. Around XXXX XXXX, I tried to use my card at a few vendors that I commonly frequent, and the charge was denied. On XXXX XXXX, I called Bof A, and spent about 1/2 hour on the phone trying to get an answer as to why my card was n't being accepted. The only thing they could tell me was that my account was frozen and there was nothing they could do, including telling me why the account had been frozen. I was told I would receive a phone call from BofA within 48 hours. After approx. 48 hours with no phone call, I again called BofA on XXXX, spent nearly 1 hr trying to get an answer, but to no avail - again, nothing they could do, including telling me why the account had been frozen. I was told I needed to go to go to a BofA branch to resolve the account, but the nearest branch to my home is about 1 1/2 hrs round trip - very inconvenient. 

On about XXXX XXXX, I got a letter from BofA , which was very vague, but indicated my account had been frozen because of information from my XXXX credit report. But once again, no specifics. I am very frustrated, even dismayed, by my entire experience throughout this ordeal. I feel I have been treated very unfairly and I am seeking resolution through a 3rd party because I have gotten nowhere with BofA.",,Consent provided,Web,2016-12-14,Closed with explanation,Yes,Yes,CR2248005,5046
2016-12-14,Credit card,,Other,,"Since the last few months I 've been unable to resolve with EN regarding late payments on my credit report. They have been unwilling to resolve this issue in spite of this issue occurring due to EN fault, for which I have provided them all the documentation they requested to ensure its removal. 

I obtained a secured card with EN in XX/XX/XXXX with an {$800.00} deposit to build my credit. By XX/XX/XXXX, I had established good enough credit to secure auto vehicles and a XXXX mortgage. Hence at the time I decided to close this secured card, as I no longer needed it to build my credit. 
On XX/XX/XXXX, I sent an employee with my EN card to XXXX XXXX to make a small purchase for me. the next day I spoke to a rep at Eagle National Bank to get the payoff, so that I could payoff and close the account. I was told that I owed {$25.00}. Hence, I rendered a payment for {$25.00} to EN and thought the account to be closed and inactive. 

However XX/XX/XXXX, when I walked into my Eagle National Bank branch to speak with my personal banker, I was told that the credit card account was still open and delinquent and had also incurred an annual fee for XX/XX/XXXX I would find that the last charge made on XX/XX/XXXX did not post to the account until XX/XX/XXXX hence I was given an incorrect payoff from Eagle National Bank on XX/XX/XXXX, that did not include the transaction from XXXX XXXX. The account was then closed and I recall being issued a refund for the secured card deposits. 

Between XX/XX/XXXX and XX/XX/XXXX, I did n't get any calls from EN alerting me of the late payments either, and even while I continued to visit my local branch for other EN account services I was not told about this. Additionally, I was saving all mail correspondence from EN without opening them thinking they were my bank statements. I noticed there was one small payment of {$15.00} made XX/XX/XXXX, I suspect my dad made this payment after receiving a notice in the mail, I had entrusted him with paying my bills while I was away in XXXX at the time.",,Consent provided,Web,2016-12-14,Closed with explanation,Yes,No,CR2247267,4743
2016-12-14,Credit card,,Credit determination,,"I had applied for Target credit card. I had a hard credit hit on my credit report, but I received a mail from Target saying that ' they had to stop processing my application because they could n't verify my identity '. This is not acceptable as they could pull my credit report and not able to verify my identity. This happened twice. I had XXXX hard credit inquiries and no positive response.",,Consent provided,Web,2016-12-14,Closed with explanation,Yes,Yes,CR2249040,3824
2016-12-14,Credit card,,Unsolicited issuance of credit card,,Target opened a red card ( credit card ) in my name without proper authorization. It was a fraudulent activity.,,Consent provided,Web,2016-12-14,Closed with non-monetary relief,Yes,No,CR2249851,3496
2016-12-14,Credit card,,Credit determination,,,,Consent not provided,Web,2016-12-14,Closed with explanation,Yes,Yes,CR2249820,13404
2016-12-14,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-12-14,Closed with explanation,Yes,No,CR2250343,4808
2016-12-13,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank has instituted a "" maintenance fee '' on my account, however I have not been told anything about this. Why? When? How much?. I have been a customer with BofA for over 12 years, and have never incurred any maintenance fees on my checking account. I have now "" paid '' {$68.00} in maintenance fees, because I do n't check my account often and I now "" owe '' Eagle National Bank {$12.00}. This is ridiculous. Eagle National Bank doesnt pay me interest for keeping my money with them, and then after 12-15 years they start charging me without telling me. 

To add insult to injury, the website tells me the only contact method available is the phone ( every other bank has chat and email available for bank accounts ). And when I call, Im told I have to wait on hold 22-30min ... its almost 2017, this is absurd.",,Consent provided,Web,2016-12-13,Closed with monetary relief,Yes,No,CR2248788,57
2016-12-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Dear CFPB : The ONLY Eagle National Bank office and ATM in XXXX closed its doors recently ( XXXX ). The sign on the door instructs us to go to XXXX of SEVERAL locations in XXXX County. So now we have to travel many miles outside the county to go to the bank. The officer, XXXX of the EN in XXXX I complained to explained the XXXX County EN did not have enough customers to justify keeping it open. Even their brand new Automatic Teller Machine ( ATM ) was gone. That area is booming, so that excuse does n't hold water. Given the willy nilly nature of EN 's "" Here one minute and gone the next '' attitude, it is obvious our State or Federal banking regulators are cutting ( them ) too much slack. We 've been EN customers for many many many years and the notice taped to the bank 's front door is an insult - IT DOES NOT MATTER WHAT Eagle National Bank 'S EXCUSE WAS. Thank you.","Older American, Servicemember",Consent provided,Web,2016-12-13,Closed with explanation,Yes,Yes,CR2247247,776
2016-12-13,Bank account or service,Checking account,Problems caused by my funds being low,,"I am constantly besieged by "" return of posted check '' fees, "" returned item fees '', and "" overdrawn balance fees '' simply by trying to pay my credit card bills with my Eagle National Bank checking account. This is not the first time I have had this issue. When I first called, they gladly refunded the fees. Then they stopped, insisting there was no issue on their end. I do n't understand why, even when I have funds in my account to cover the bill, I get a "" returned item fee '' the next day. Then, for some crazy and putatively fraudulent reason, Eagle National Bank decides to charge my account again, knowing full well that the payment did n't go through the first time. Then once again, they charge me a "" returned item fee ''! Then to add insult to injury, they assess "" insufficient fund fees '' because they have been draining my account with these pernicious cycles of "" returned check '' and "" returned item '' fees!",,Consent provided,Web,2016-12-13,Closed with explanation,Yes,Yes,CR2247256,9776
2016-12-13,Bank account or service,Checking account,"Account opening, closing, or management",,"I signed up for a Eagle National Bank checking account after receiving a targeted promotion for the "" Offer300 '' {$300.00} bonus for making {$4000.00} of direct deposits within the first 3 months of account opening. Upon completing the requirements and waiting a month following completion, I did not receive the bonus and called to inquire why not. Eagle National Bank denied my claim, stating that I "" was not targeted '' for the offer, and asked me to fax screenshots of the offer. I have screenshots but did not fax, and called again to try and get my bonus resolved. Today again they said my request was declined and are asking me to go into a branch so they can fax the screenshots to the right corporate department. I 've called now about 10 times in the past month and have been given the run-around by customer service reps who 've given me numbers to wrong departments ( Merrill Lynch investing ) and have not filed my complaints.",,Consent provided,Web,2016-12-13,Closed with explanation,Yes,No,CR2246451,584
2016-12-13,Credit card,,Billing disputes,,Eagle National Bank is insisting i set up a recurring payment of {$1200.00} per week to be paid out of my credit union checking account. i have no conscious recollection of having set up a recurring payment of {$1200.00} per week. they are deducting {$1200.00} a week from my checking account.,,Consent provided,Web,2016-12-13,Closed with explanation,Yes,No,CR2247134,1366
2016-12-13,Credit card,,Late fee,,"Eagle National Bank just last week, without warning, closed all XXXX of my credit card accounts with them. I just got the letters on the weekend, they were all identical and all dated XX/XX/2016. There was no apparent reason for the closure other than my having actually USED the accounts, you know, as in, I dared to actually use the amount of credit they had already assigned and granted to me! -- and another reason cited was "" the state of the overall economy. '' As a result of closing absolutely everything, when I asked again today to have a NSF fee reversed as the payment had been made a month ago from a different account, not XXXX which got me in trouble with this payment when they closed my line of credit without telling me and without a reason. So in speaking to Eagle National Bank today, I was told first that the agent "" could n't understand why it would not reverse '', and then she said "" oh, the reason it wo n't allow me to reverse it is because the account is closed. '' So I told her that I had originally requested that the {$26.00} fee be reversed on XX/XX/2016, in other words more than a month ago when I had made the {$76.00} payment from my other bank ( XXXX ) account -- -and when my XXXX Eagle National Bank accounts were all open. Apparently the request was forgotten, lost, pigeon-holed, or denied without telling me, because it was never reversed. I just got my credit card statement yesterday and in looking for that reversal I noticed that there was no reversal of the {$26.00} fee as I had requested, so I called to get that fee reversed today and that is when I was told that NOW it "" could NOT BE REVERSED because the account was closed. ''",Older American,Consent provided,Web,2016-12-13,Closed with monetary relief,Yes,No,CR2245096,2485
2016-12-13,Credit card,,Advertising and marketing,,"Eagle National Bank targeted me for an offer of XXXX XXXX miles upon opening a new credit card with them. I applied for and was approved, and only received XXXX XXXX miles. I was told I was not credit worthy. I have a credit score above XXXX, top 1 % of income, and a perfect payment history. This is a blatant bait and switch. I was offered to apply again, with the SAME CREDIT SCORE, SAME CREDIT HISTORY, and was given no guarantee that the promise of the missing XXXX miles would be kept. This is dishonest advertising, and disrespectful handling of a mishandled situation. They should make good on their promise, and give me the missing XXXX miles. They should not further string me along with the false promise that I will qualify for a larger credit line with a second application. This is dishonest.",,Consent provided,Web,2016-12-13,Closed with non-monetary relief,Yes,No,CR2247065,1449
2016-12-13,Credit card,,Customer service / Customer relations,,On XX/XX/2016 I submitted an online payment of {$7000.00} to Eagle National Bank. Eagle National Bank took {$70000.00} out of my bank accounts. I have tried since XX/XX/XXXX to get a refund but to no avail. I spoke to XXXX XXXX at claims to try and resolve the issue only to be told they have to wait 10 business days to refund my money. He informed me that on XX/XX/2016 that they would refund the money to XXXX the account. A letter from my bank stating that was an incorrect payment did not expedite the refund.,,Consent provided,Web,2016-12-13,Closed with monetary relief,Yes,No,CR2246437,441
2016-12-13,Credit card,,Billing disputes,,"This is what I sent to Eagle National Bank on XX/XX/XXXX after filing a timely dispute with them which they denied. 

I previously disputed the charges form XXXX XXXX form XXXX and XX/XX/XXXX. It appears that from the attached letter that B of A presumes the charges are valid simply because google has my correct information. This is an incorrect assumption. 

XXXX previously was authorized to charge my credit account through XX/XX/XXXX. XXXX charged the amounts after XX/XX/XXXX without authorization and illegally. As you will see from a review of my billing statements there were nominal charges in XXXX and XX/XX/XXXX as we were discontinuing our services with XXXX. 

In XXXX, XXXX illegally used our previously provided information to make unauthorized charges to my account. I did not become aware of these charges until XXXX as I was traveling frequently in XXXX and XX/XX/XXXX and my accounting department initially paid the fraudulent charges. I then disputed these unauthorized charges by XXXX. 

XXXX was not authorized to make these charges and did not provide services that they are charging for as we had initiated a stop of service with XXXX. When I contacted XXXX they admitted that they had failed to stop services as requested because their agent made an "" improper notation in the file. '' I do n't know exactly what this means but I had contacted XXXX regarding the end of services and they failed to follow through and failed to properly notate my file so the stop would occur. 

When I contacted XXXX directly I offered to pay them an amount that I was charged the previous months ( no more than {$1000.00} total for XXXX & XX/XX/XXXX ) in a good faith effort to resolve the issue. XXXX refused and I then initiated the dispute. 

I did not authorize any of the charges after XX/XX/XXXX from XXXX. I did not receive or request services from XXXX after XX/XX/XXXX. I have asked XXXX to provide proof that they actually provided services to me After XX/XX/XXXX and they have refused to provide this information. I have asked XXXX to provide any proof of my authorization to bill my card after XX/XX/XXXX and they have been unable to provide any proof. The fact that XXXX retained my address and billing information is evidence of XXXX 's ongoing fraud and unauthorized use of my credit information.",,Consent provided,Web,2016-12-13,Closed with explanation,Yes,Yes,CR2247389,2592
2016-12-13,Bank account or service,Checking account,Using a debit or ATM card,,,,Other,Web,2016-12-13,Closed with explanation,Yes,No,CR2248097,4460
2016-12-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-12-13,Closed with explanation,Yes,Yes,CR2247351,9611
2016-12-12,Bank account or service,Checking account,Problems caused by my funds being low,,"I had checking account with Eagle National Bank and I was their customer for over XXXX years. 
in XX/XX/2015 I have received employment checks witch were returned for insufficient funds. and at the same time I wrote checks on the same account to pay bills. The employment checks were returned for insufficient funds. I did let the bank know. the customer service at the branch understood. also I did not have the funds to deposit funds immediately to cover the shortages. when I had the funds couple months later I paid them off and closed the account.",Servicemember,Consent provided,Web,2016-12-12,Closed with explanation,Yes,No,CR2244877,1657
2016-12-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I was an authorized user on my husband 's account. I called in on XX/XX/2016 and was removed from the account. However, the account is still showing up on my XXXX account number XXXX. I just want them to remove me as authorized user from my credit report. They are telling me because I am no longer an authorized user they can not discuss with me the reporting that they are doing on my credit report. My husband is XXXX military XXXX and I was told there are phones all over the world and that he can call in. I do not want information on his account, I simply want my own personal XXXX to reflect the current information that I am no longer an authorized user. They do not need any information on his to fix my credit reporting. I have called three times and have been hung up on each time I was told they would get me a number to their credit disputes team.",Servicemember,Consent provided,Web,2016-12-12,Closed with non-monetary relief,Yes,No,CR2245664,2016
2016-12-12,Bank account or service,Checking account,"Account opening, closing, or management",,"This complaint is related to complaint XXXX against Eagle National Bank. This prior complaint was closed without proper resolution. On XX/XX/2016 I faxed all information requested by Eagle National Bank to Eagle National Bank. On XX/XX/2016, I followed up with Eagle National Bank via fax ( Since I do not have a phone contact ). I have heard nothing from Eagle National Bank. 

I am requesting the funds in my late sister 's bank accounts ( checking and savings ) up to the cost of her funeral ( Which I paid for ) in accordance with Illinois state law and the Illinois Affidavit of Small Estate. I am requesting the balance of her account including any fees and ach 's, etc paid out from her account, either to EN or to creditors up to the amount of the funeral expenses that I paid for {$3600.00}.",,Consent provided,Web,2016-12-12,Closed with monetary relief,Yes,No,CR2244940,1949
2016-12-12,Bank account or service,Checking account,Problems caused by my funds being low,,"My bank account was closed when I went away for 2 months and did n't normally have access to my information. Yes, that was an oversight on my part. The problem was that when I made a XXXX transaction it came out of my bank account instead of my credit card- I have the default as The bank closed my account and sent me a letter for a chargeback. 
I paid the chargeback on XX/XX/XXXX. And told Eagle National Bank that I need them to inform XXXX that it is paid off so I can open an account. 
I also started a dispute with XXXX to have them verify with Eagle National Bank that the account is paid off. 
My thinking was that someone will do their job at some point and it should be cleared out pretty quickly. Right?? WRONG!! 
XXXX does n't confirm with any particular person that the account is paid off. They just send a general request out to a general dept in collections. 
Whoever checks that request does n't bother to review any notes or actually check any account. 
On XX/XX/XXXX Eagle National Bank confirmed to XXXX as a response to the inquiry that the balance is still not paid!! This is a full 20 days after the payment was complete!! This is with me including an attachment from Eagle National Bank as a receipt that the account is paid in full that had a confirmation number. 
I just called Eagle National Bank and spoke to a supervisor in the collections dept. a XXXX. He just gave me the general line it takes 30-45 days to update ... we will expedite .... we are sorry ... all the promises I was made a full 32 days ago when I paid this bill in full. 

We will see ....",,Consent provided,Web,2016-12-12,Closed with non-monetary relief,Yes,No,CR2246862,1671
2016-12-12,Credit card,,Other,,,,Consent not provided,Web,2016-12-12,Closed with explanation,Yes,No,CR2244895,1613
2016-12-12,Credit card,,Other,,,,Consent not provided,Web,2016-12-12,Closed with explanation,Yes,No,CR2245165,4186
2016-12-12,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-12,Closed with explanation,Yes,No,CR2245143,1075
2016-12-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-12-12,Closed with non-monetary relief,Yes,No,CR2245826,4423
2016-12-12,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-12-12,Closed with explanation,Yes,No,CR2245883,4826
2016-12-11,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,I get a fake cashier cheque from XXXX. I deposited it. The bank clear the check without investigation. When I saw the money is available for withdrawal I withdraw the money and send the money to the company by XXXX. After sending the money I find out I am a victim of scam. Because of the irresponsibility I have lose {$940.00}. If the bank do their duty properly I will not be a victim of scam.,,Consent provided,Web,2016-12-11,Closed with explanation,Yes,Yes,CR2244654,2117
2016-12-11,Credit card,,Delinquent account,,I setup auto pay for the account. But unfortunately later on I find out it was not. When I get letter from the card service regarding late payment I contact them and pay the payment immediately. It was totally unintentional mistake and when I explain it to the card service they waive the late fee. In 2016 when I check my credit report I saw they put a 30 days delequint report on my credit report. I talk with card service and explain them that it 's an unintentional mistake and request them to remove the report from my credit report. But they denied my request by explaining that it a valid report. I do n't know what to do. It 's hurting my credit report. Please help me to solve this problem.,,Consent provided,Web,2016-12-11,Closed with explanation,Yes,Yes,CR2244642,1778
2016-12-11,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2016-12-11,Closed with monetary relief,Yes,No,CR2244810,751
2016-12-11,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-12-11,Closed with explanation,Yes,No,CR2244783,4326
2016-12-11,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-12-11,Closed with explanation,Yes,Yes,CR2244666,2428
2016-12-11,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-12-11,Closed with explanation,Yes,No,CR2244821,3480
2016-12-10,Bank account or service,Checking account,"Account opening, closing, or management",,"I did not get the bonus for opening checkings account with Eagle National Bank. On the website XXXX I scheduled an appointment to my nearest branch as said on the website from the link on the website. I received email on XXXX XXXX, 2016, XXXX CT with confirmation number for appointment XXXX to open the account with above offer. I opened the checkings bank account next day with bank manager saying that bonus will be honored once direct deposits are made. I chatted with Eagle National Bank representative same night to know when Bonus shall be received. She said that Bonus will be received after 90 days of meeting requirements. I did n't receive bonus till XXXX. I called Eagle National Bank on XXXX XXXX on customer service. The representative said that after meeting requirements in 90 days, it usually takes around 1 month for processing the bonus. In XXXX I did n't receive any bonus. On XXXX XXXX, 2016 I again called the customer representative that I did n't receive bonus in spite of continuous direct deposits. She asked me to call XXXX number as the Promotion department was closed that time. I called the above number on XXXX XXXX, 2016, I called the above number and everything was answered in XXXX. So I again called the customer care on XXXX XXXX, 2016 to take up the case, continuing from yesterday. He calls the promotional branch and replies that I am not eligible for Bonus. He tells me that my name is not there in their list. I tell them its not mandatory to open the account online, its given on the website that the account can also be opened by going to the branch and my scheduling appointment through the website is the proof of it. They told me that you can talk back to the branch. I am tired of this Flip-flop from one person to other. 
My logic is simple. I opened the account through the promotional offer website by going to branch. The branch person who opened my account. I met all requirements with all direct deposits till today. Now its their turn to honor the bonus. My work hours as a XXXX do n't give me time to go to the bank branch on weekdays like they want and I do n't understand, why I should go to the branch. They should contact the branch manager by themselves and resolve the issue, but the customer service do n't want to open the case. I think Eagle National Bank just does n't want to honor the bonus and make their customers beg for bonus. I am soon going to terminate my account if I do n't get my rightful bonus from them.",,Consent provided,Web,2016-12-10,Closed with monetary relief,Yes,No,CR2244476,2752
2016-12-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Our address was used by XXXX unknown people to open a EN debit MasterCard. Neither has any connection to us or property we have owned for 30+ years. The XXXX envelopes arrived XX/XX/XXXX and we immediately notified EN by phone conversation and by email, requesting 1 ) closure of the account, 2 ) notification to us that the address was limited to only the XXXX of us, and 3 ) explanation of how EN eliminated any verification before allowing the fraudulent use of our address. We have had no response from EN, despite several further calls to its "" representative '' XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. He assigned it case number XXXX in a letter dated XX/XX/XXXX, however we have had zero update or resolution from either him or EN despite this urgent and aging fraudulent identity issue.",,Consent provided,Web,2016-12-10,Closed with explanation,Yes,Yes,CR2244243,10275
2016-12-10,Credit card,,Transaction issue,,"1.This is regarding case number on file # XXXX & XXXX. Eagle National Bank sent XXXX letters dated XX/XX/2016 and I received today. Per my XXXX above complaint file number, as mentioned per Eagle National Bank and at the same time in these XXXX letters, there was returned payment. I am requesting and demand that Eagle National Bank sent proof from bank that there is returned payment for both amount to confirmed in writing by bank that such returned was on certain date to finalize. I am attaching these XXXX letters for your record that you can investigate Eagle National Bank of such. These will be sent via fax to you at XXXX with a cover letter. 
2. Desired resolution is that Eagle National Bank have to get it done as requested with written letter confirming the return payment from the bank with the letterhead showing as coming from that certainspecificbank. 
3.My information have all on file with above mentioned case number. 
4.This is regarding Eagle National Bank fraudulent adding, deleting, removing, closing account, changing numbers of balance of credit card account. 
5.I want the public to know that this is going on with the banking system within Eagle National Bank XXXX corporate office do not answer calls and customer service calls roam around the world!!! ... minimize call center at least to where the corporate office is so that callers can be confident that it is not coming from fraudulent group of people in operation against the public and that there will be given address and phone numbers online or on the statement.",Older American,Consent provided,Web,2016-12-12,Closed with explanation,Yes,Yes,CR2244172,2869
2016-12-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-12-10,Closed with monetary relief,Yes,No,CR2244481,2227
2016-12-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-12-10,Closed with explanation,Yes,Yes,CR2244448,2100
2016-12-09,Bank account or service,Checking account,"Account opening, closing, or management",,"Incorrect negative report by Eagle National Bank on XXXX and XXXX I was recently informed of negative information reported by Eagle National Bank included in the file XXXX and XXXX maintains under my Social Security number. This amount is the result of numerous attempts made to Eagle National Bank to remove pre-authorized payments on my account. I maintain records of all these communications to the banking representative at the branch in XXXX, CA which were unanswered. These numerous contact attempts and requests for action by me as the account holder were neither answered or acted upon. As a result, the lack of communications and customer service caused service charges which I was attempting to avoid. Eventually, I had no choice but to close the account to avoid further arrears. Despite further contact with the branch in XXXX, asking to resolve these service fees, nothing was done. After my account was closed, Eagle National Bank never contacted me as to the status of resolving the fees charged to my account from XXXX 2015 till approximately XXXX 2015. To the best of my knowledge, I never received a bill or statement from Eagle National Bank informing me that an amount was still owed to them. I have sent copies of all communications by email documenting these attempts to talk to my account manager to dispute the information on my records that suggests I did not communicate at all. 

Please validate this information with Eagle National Bank and provide me with copies of any documentation associated with this "" amount owing '' bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record maintain under my Social Security number and provide an updated report from XXXX and XXXX. I also request that any amounts owing be reviewed and recalculated if warranted. I would like to clear up any monies owing.",,Consent provided,Web,2016-12-09,Closed with explanation,Yes,No,CR2242728,4462
2016-12-09,Bank account or service,Checking account,"Account opening, closing, or management",,"This is in reference to Case number : XXXX. Eagle National Bank called me on XXXX and left a message for me to call them back at XXXX and use extension XXXX to speak with XXXX about my complaint. However, when I call this number and try to enter the extension, nothing happens. A recording just repeats itself to enter the extension. I have tried from XXXX different phones so I know this is a problem with their system. The system hangs up on you without allowing you to ever reach a live person or leave a message. Intentional maybe ... .. I need to be able to get ahold of them because they will claim I did not respond to them and they did not give me a way to do so.",,Consent provided,Web,2016-12-09,Closed with explanation,Yes,No,CR2242812,9427
2016-12-09,Credit card,,Billing disputes,,"I am filing a complaint against Eagle National Bank ( EN ) Credit Card for re-billing a charge of {$380.00} to XXXX TX that occurred XX/XX/XXXX. ( Attachment Item 1 ). I had called XXXX from XXXX using my ( EN ) credit card to re-book a flight back to the US from XXXX on XX/XX/2016 on XXXX airways. However, when I went to the airport and showed the authorities a copy of the e-mail that I received from XXXX, I was not allowed to ENrd the flight back as the security as very tight at the airport because of the terrorism problems in XXXX. The airport authorities said I could not ENrd the flight without a hard copy of the ticket. I tried calling XXXX from the airport but no one answered the phone. XXXX never even gave me a contact number of XXXX to call and get help. The sudden flare up of the airport security issue caught me by surprise and XXXX could have sent me an email warning me of the situation or even sent me an electronic ticket, but they did not do that. They were of no help after taking my money. Since I was unable to ENrd the flight I had to call XXXX airways directly, to re-book a fresh return ticket for {$680.00} and I returned to the US on XX/XX/2016 ( Attachment Items 2 and 3 ). After returning to the US, I called EN to complain about XXXX and EN reversed the charges ( Attachment - Item 4 ). But in the recent EN statement, this charge of {$380.00} was reapplied with no explanation ( Attachment Item 5 ). I was not given the opportunity to explain and send in the documents to EN to prove to them why I demanded my money back from XXXX. I would like EN to refund me money.",,Consent provided,Web,2016-12-09,Closed with explanation,Yes,No,CR2243843,945
2016-12-09,Credit card,,Balance transfer fee,,"I signed up for a Eagle National Bank credit card on XXXX/XXXX/2016 specifically to roll over my balance from my XXXX credit card. I decided getting cash back was better than airline miles accumulation ( too many needed for an air ticket ). Nowhere on the application, email sent to me, on the letters I received AFTER the 7 day period was the information about charging a fee for the rollover. I LOOKED!!! Because I knew that some cards charge and some do n't. I can send the confirming email, as well. No where was I informed that I would need to spend {$180.00} to do this dis-service. 

I did this online, where I could check and doublecheck that there was no apparent fee. Perhaps hidden in very small print or buried deep in some multi-page disclosure, it might be there. But I sure did n't see it. I am screaming this : I CHECKED! When I transferred the money, there was NO "" are you sure you want a {$180.00} fee '' When I got my first bill n XXXX, I noticed a line that read "" Fee .... {$180.00} '' No explanation on what the fee was. I called EN 's XXXX # and no where on its phone system was the choice for "" rollover '' or "" transfer '' -- everything else from "" mortgage '' to "" late fees. '' I kept saying to the automated voice, "" I do n't know what fee ; get me to a rep '' After a long pause, I finally spoke to a XXXX and later a XXXX who said, "" yes sometimes agent forget to tell you that. '' She offered to put in a request to reverse the fee -- so it is possible. I kept telling her that I was not informed of a transfer fee. That we 99 % of the time pay off our XXXX credit card in full each month and I do n't need a 0 % APR. Which she justified the 0 % as why they charge the 3 % transfer fee. Huh? In her tel/con I learned the figure "" 3 % '' Why in the world would I pay {$180.00} for a new credit card, when we pay off our credit card bills in full? Why would I agree to that? Why? 

My point is that NOWHERE is it CLEAR that I would get hit with such an amount. NO.WHERE. 

I asked for a supervisor who was UNHELPFUL and kept saying "" This is a legitimate fee. '' He would not reverse it. I asked him : "" Do you want my business or not? '' Between my husband and myself, we charge up to $ XXXX a year on credit cards. He said I had to pay the fee. I cancelled the card that day. 

It is not right that EN HID the transfer fee. UNDISCLOSED. The transfer fee info was NO WHERE in the application, in confirming e-mails, letters to me, in the card 's description, on the bill, in the phone conversation I had 1 week prior with a EN rep when I asked about a charge on my on-line invoice. 

I wo n't pay that ridiculous fee. Why would I agree to that, when I was n't told/informed about it. If forced that means something important to me must be dropped. 

No wonder military service people have problems with EN. I could have gone to any of the other competitors for a transfer free card. Sure wish I had. Paying EN {$180.00} for use of my money ... ... they should be paying me!",,Consent provided,Web,2016-12-09,Closed with monetary relief,Yes,No,CR2243301,4681
2016-12-09,Bank account or service,Checking account,"Account opening, closing, or management",,"Despite my efforts to keep a substantial amount of available funds in my checking account on a daily basis, Eagle National Bank continues to implement different techniques from within their policies and procedures to justify the overdraft fees being charged to my account. Over the past 2 days, my checking account has been debited {$70.00} in overdraft charges, despite having the available funds to cover all of my purchases and opting out of their Debit Card Advance program. My account balance has never went under {$0.00} since its inception, however Eagle National Banks policies on overdraft charges does not require an account balance to go under {$0.00}. They have designed overdraft policies that allow for them to charge {$35.00} on checking accounts with sufficient balances. Attached is a record of my transaction history which proves that my account balance has always been sufficient when the fees were charged. The overdraft policy implemented by Eagle National Bank has been designed to use the policy against the customer for the banks financial gain as opposed to the policy creating ways to benefit the customer during times of financial hardship",,Consent provided,Web,2016-12-09,Closed with monetary relief,Yes,No,CR2243827,3183
2016-12-09,Credit card,,Late fee,,,Servicemember,Consent not provided,Web,2016-12-09,Closed with monetary relief,Yes,No,CR2243517,4530
2016-12-09,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-09,Closed with monetary relief,Yes,No,CR2243790,4198
2016-12-09,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-09,Closed with monetary relief,Yes,No,CR2243256,9721
2016-12-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-12-09,Closed with explanation,Yes,No,CR2241814,1706
2016-12-09,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-12-09,Closed with explanation,Yes,Yes,CR2243769,1900
2016-12-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-12-09,Closed with monetary relief,Yes,No,CR2243140,2838
2016-12-08,Bank account or service,Checking account,"Account opening, closing, or management",,"1. I opened a mortgage, savings, and checking account with Eagle National Bank in XXXX 2. At that time there were no fees for the accounts I opened. They were very simple accounts. 
3. At some point, I remember XXXX - they changed my accounts to a higher level but it carried fees 4. I called them about those fees and they said do n't worry, you 'll be covered. 
5. I paid off my mortgage in XXXX. Checking my accounts I find they charged me repeated fees in XXXX, XXXX, and XXXX. 
7. I called Eagle National Bank to get those fees reversed because their representatives had told me the fees would not occur anymore. Spoke with XXXX ( Rep, no employee ID ) and XXXX ( Manager, employee number XXXX ). They were unwilling to reverse the fees so I asked to speak to XXXX 's boss - XXXX. 
8. I closed my accounts with Eagle National Bank because I feel it is dishonest to charge for reason of an upcharged account I never asked for to begin with.",,Consent provided,Web,2016-12-08,Closed with monetary relief,Yes,No,CR2242088,2060
2016-12-08,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank OverDraft Items fees ', XXXX Putting consumers into more debt and or taking their hard earned money. Eagle National Bank rearranges accounting to suit their needs. They also should not charge if deposits are made to the account within XXXX hours, fees ' should be reversed, especially if a consumer calls and requests assistance. Email notifications of low balances do not occur at times for up XXXX hours after. I made deposits on so many occasions on the requested fee reversals.",,Consent provided,Web,2016-12-08,Closed with explanation,Yes,No,CR2242433,8598
2016-12-08,Bank account or service,Checking account,Deposits and withdrawals,,"I have been going back and forth with Eagle National Bank regarding few fraud charges made to my account. My wallet was stolen and there money was withdrawn from my EN and XXXX accounts. My wallet had my ID and debit and credit cards. XXXX was the XXXX to call me about the fraudulent activities. EN account was hit worse. They withdrew the money from the ATM, bought stuff online, also cashed out a check with my name on it. This all happened after I had blocked the debit card. EN has not been co-operating with me at all. Their claims department is the worst. They are not checking the regional bank camera and records for this fradulent activity. How can anyone walk into the bank and withdraw money from some other account? Whoever stole the money got a debit card from the bank with my ID and old debit card, which I did not have in possession. There was a replacement fee of XXXX $ on my account and there was a debit card issued which I never got hold of. They know its their fault and they are denying each and every claim made. I need some serious help. I have been constantly been denied inspite of police reports and other reports of money being stolen from other banks, including my XXXX account. Other banks were very helpful but EN is giving me a XXXX XXXX. Please help!",,Consent provided,Web,2016-12-09,Closed with monetary relief,Yes,No,CR2241750,2648
2016-12-08,Bank account or service,Checking account,"Account opening, closing, or management",,"my wallet and cell phone were stolen at a party, i never find them and notcie the bank totally closed my account i had XXXX of dollars in there. i get a letter in the mall of a fraudulent account statment of someone taking all my money out of the bank and not XXXX person at Eagle National Bank will tell me anything they pretend i never exsisted and they send me to a XXXX. im so XXXX i need your help thank you.",,Consent provided,Web,2016-12-08,Closed with explanation,Yes,Yes,CR2241347,1799
2016-12-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,"When I was out of town a woman stole XXXX checks of mine, filled them out and used them as payment for her bills. As soon as I found out I reported the theft to Eagle National Bank. Eagle National Bank is refusing to return the funds totaling {$530.00}. It was obvious to the Bank Manager whom I brought the theft to my attention ; that it was clearly not my handwriting nor my signature. In fact he pulled my signature card to verify. 

Please assist me in recovering my monies. 

Attached are the forged checks ( front/back ). Also there is a copy of a legitimate check, which I wrote and signed ( {$1500.00} ) so that you see the differences.",,Consent provided,Web,2016-12-08,Closed with monetary relief,Yes,No,CR2241787,1269
2016-12-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"XXXX issued a consent to Disbursement of Funds to the Eagle National Bankn legal department on XX/XX/2016 at XXXX. All XXXX of our Bank Accounts with Eagle National Bank are currently frozen. To date, Eagle National Bank claims that they have not received anything from XXXX company, and to date, all XXXX of our Bank XXXX remain frozen. After speaking with the Agent for the Plaintiff, XXXX several times today, he faxed to me the signed XXXX order ( which was signed by my husband on XXXX XXXX, 2016 ) along with the confirmation that it was sent. For 7 days our account has been frozen. All of our paychecks, and other monies are unavailable to us, leaving us without money for food, gas, or the ability to provide for our XXXX for XXXX. Because of EN 's refusal to resolve this matter in a timely fashion, it has cause undue hardship on my family and crippled us both financially and emotionally at a time when we should be celebrating this joyous holiday. We are unable to pay anything and have to borrow money just to keep our heads above water. Please help us resolve this issue. This is the second time EN has frozen our accounts. The first time they had our accounts frozen for XXXX hours with no explanation or apology. Please help! We are in a dire situation.",,Consent provided,Web,2016-12-08,Closed with monetary relief,Yes,No,CR2242294,4545
2016-12-08,Credit card,,Identity theft / Fraud / Embezzlement,,"1.Eagle National Bank has a customer care number that goes around the country in all different states.There is no good help and resolution. The account was closed by Eagle National Bank. I want the account closed and free permanently. But the account continues to have fraudulent activities and making the account balance which was XXXX at time of close on XX/XX/2015 changing and the closing statement shows credit balance on the XX/XX/XXXX. And because there was more fraud activities going on within Eagle National Bank, the balance is changing. 
Help!!!!! Help!!!!! Please It seems that government department such as the FTC and crib phone numbers are being forwarded and transfer to some fake or fraud number or offices that are floating around all over the world!!!!!!! 
2.Please have Eagle National Bank straighten the account as it should be. 
3.My email address is XXXX 
4.Eagle National Bank credit card account number ending in XXXX. Please have this freeze and permanently. 
5.There is identity theft going on accessing my account. 
6.There seems to be charges on the account too high. 
7.Please do not publish my information but you can do so with the kind of incident.",Older American,Consent provided,Web,2016-12-08,Closed with explanation,Yes,Yes,CR2242007,1508
2016-12-08,Credit card,,Transaction issue,,"An ATM teller assist machine was unable to complete my transaction and was unable to return the {$2000.00} cash payment to a credit card I was making. I have gotten incorrect information from employee after employee from the phone number provided on the ticket that was printed from the machine. Customer service does n't know what they are doing and ca n't help me, they transfer me over and over and over. It seems the actual people in the branch are more helpful. It has only been two days but I have lost some much time over this issue trying to get a status update, which didnt happened today was over 1.5 hours. 1.5 hours in the branch trying to start a claim. No one seems to know who I can talk to about the status.",,Consent provided,Web,2016-12-08,Closed with monetary relief,Yes,No,CR2242138,4368
2016-12-08,Credit card,,Credit card protection / Debt protection,,"I have been trying to cancel some monthly subscription charges on my XXXX card. I can not get in touch with the companies who are charging me. I changed my account number. XXXX allows monthly subscriptions to pass through to the new credit card account number. I was charged twice by a company that uses preditory marketing stratagies. They now have my new credit card information. Many companies large and small ; legitamate or completely dishonest know this monthly subscription loophole. The American consumer has to be protected from preditory, fraudulent and otherwise dishonest businesses. It should be easy to shut off the money flow.",,Consent provided,Web,2017-02-10,Closed with explanation,Yes,,CR2241272,446
2016-12-08,Credit card,,Billing disputes,,"On XX/XX/2016, while I was in XXXX, I purchased a mobile AC unit from XXXX on my Eagle National Bank credit card in the amount of {$670.00}. A/C was delivered to my apartment the next day. After unpacking the unit & using it for a few days, we noticed it was n't cooling. We packed the AC unit along with all the parts back into the box it was delivered in & went to the store to return the defective item within the 14 day return time frame. Their return policy on the back of receipt stated customer has 14 days to return item for full refund. When we arrived at XXXX, we were told the unit was n't eligible for refund because the box had been opened. I disputed this with the manager because obviously we would have to open the box & use the unit to realize it was defective. They told me we would have to leave the unit to be examined by their repair shop before they could issue a store credit. The inspection would take 2-3 weeks & we were leaving XXXX in 2 days. I explained we did n't have time to wait for the unit to be inspected & I requested either a refund or an exchange for a similar unit that was the exact same price. They denied my request. After spending 2 hours disputing this issue in the store, we left the unit with them. They sold us a defective item, would n't exchange it or give us a refund & they still have the unit in their possession. I immediately placed a dispute on the charge with Eagle National Bank. I received a letter from Eagle National Bank stating they needed all supporting documentation, a detailed letter & the reason our return was not successful. We sent Eagle National Bank everything they requested via fax/mail. On XX/XX/2016, I received a letter from Eagle National Bank stating they were unable to obtain credit from the merchant. I called Eagle National Bank Merchant Response Department & spoke with XXXX & XXXX. I was on the phone with them for over 2 hours explaining what happened & inquiring why the credit was denied. XXXX told me that she would re-open the dispute for further investigation. On XX/XX/2016, I received another letter from Eagle National Bank stating that after further review, they were n't able to determine a billing error occurred. I called Eagle National Bank again & after speaking to XXXX again, she requested I send XXXX 's return policy. I faxed her XXXX 's return policy along with the return policy on the back of my receipt. XXXX explained that because the information was in XXXX, her team was having a hard time deciphering it, but she would find someone that could translate it & she would be in touch. On XX/XX/2016, we received another letter from Eagle National Bank stating they exercised all available options & they were unable to obtain a credit from the merchant. I called Eagle National Bank yet again & spoke with a supervisor. XXXX, the supervisor with Eagle National Bank, stated that since the merchant had looked at the faulty unit & deemed it was working properly & it was now ready to be picked up, they were unable to issue us a credit. I explained that we returned the item within the 14 day time grace period, I did not want this unit, it was no longer in my possession, XXXX refused a refund or an exchange. XXXX then stated that due to all of the documentation we sent being in XXXX, they could not fully decipher the merchant 's return policy & that she would have to get someone else to translate the information yet again, but that they would n't be able to respond to any further correspondence regarding this claim. I am now requesting your assistance, I have submitted everything as requested, I returned the defective unit within the allotted time frame, Eagle National Bank has had a sufficient amount of time to translate the documents, I am within my rights, I 've spent numerous hours disputing this & I should not have to pay for this item. Eagle National Bank wo n't help.",,Consent provided,Web,2016-12-08,Closed with explanation,Yes,Yes,CR2241046,2814
2016-12-08,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank AND IM SURE OTHER BANKS ARE BEING VERY FRAUDULENT IN CHARGING OVERDRAFT FEES by manipulating posting transactions time and date online. I monitored my account, posted a transaction earlier in the day, it posted the money was taken out of my account because there was sufficient funds in my account at the time. Later at night or the next day, they post their monthly bank fees and then return my previously paid bill as returned charge and charges me overdraft fee, AND THIS IS IRRESPECTIVE OF THE FACT THAT MY DIRECT DEPOSIT PAYCHECK POSTS THESAME DAY AS THE DAY I WAS CHARGED THEIR MONTHLY BANK FEES ... .THIS IS SO FRAUDULENT ... .NEWS AGENCIES AND THE PUBLIC should be notified if cfpb wont protect American citizens and the little guys from the greed and crimminality ofctbe big guys. Pls fix this and REFUND US THE ILLEGALLY FRAUDULENTLY MANIPULATEDLY-CHARGED OVERDRAFT FEES.",,Consent provided,Web,2016-12-09,Closed with monetary relief,Yes,No,CR2239088,3351
2016-12-08,Credit card,,Other,,,,Consent not provided,Web,2016-12-09,Closed with monetary relief,Yes,No,CR2242244,4477
2016-12-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-12-08,Closed with explanation,Yes,No,CR2240051,2729
2016-12-08,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-08,Closed with monetary relief,Yes,No,CR2241116,3568
2016-12-07,Bank account or service,Checking account,Problems caused by my funds being low,,"A deposit for the amount of {$2300.00} was sent to my account XXXX during the XXXX. That evening I wrote a check in the amount of {$300.00}. The following morning I received a NSF notice. It showed the {$300.00} had been paid, but the fee was charged because of "" posting sequence '' I call and spoke with customer service and was told the fee would not be returned. While on the phone on the representative I noticed the {$300.00} was credit back to my account. I ask to speak with a supervisor and he stated that "" they tried to pay the {$300.00}, but were unable to ''. So, now I really confused. I do not if EN actions are illegal, but they are definitely unethical.",,Consent provided,Web,2016-12-07,Closed with monetary relief,Yes,No,CR2240843,2509
2016-12-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,"About 3 weeks ago i posted an art piece i painted on the app offer up. I was asking {$350.00}. I received a message from a buyer saying they wanted to buy the item. We then started emailing back and forth. Via XXXX he sent me a check for the amount of {$1500.00}. Clearly i though it was a mistake but no, the buyer instructed me to deduct XXXX for my cost + XXXX for running around for this transaction XXXX for holding the item. i then went to my bank to deposit the check via drive through bank teller. {$300.00} was available right away so i waited for the following day for the full amount of the check to post. When the next day came i seen that i had the full amount of the check available in my account, i believed that meant the check had cleared ... this is where i be leave I 'm not fully responsible for my bank to charge me. The buyer instructed me to send via XXXX a money transfer to the mover who was to pick up the item. So i went to XXXX and did so using my debit card i made a transfer of {$1000.00} ... i thought this guy must be way out of state. I do have receipts and all documentation of this transaction. So i thought all was well, i waited for the movers to come for the item but they never did.., the buyer then contacted me saying the movers wanted more money to pick up the item because of other pickups they had already done for him so he said he will send me another check and to do the same thing. I then became suspicious ... the following morning i seen i had a negative balance on my bank account. Of over XXXX dollars ... this is when my walls caved in ... i could n't believe it ... the bank told me it was a fraudulent check ... right away i went to my local bank to explain the situation but they said it was my fault and I 'm responsible for that charge ... there was nothing they can do ... i do n't have XXXX dollars lying around ... ... i do n't understand how i was able to make a XXXX dollar transfer using my debit card if the bank had not yet cleared the check ... or why would the full amount of the check show posted on my available balance if it really was n't ... of course at this point the buyer stopped responding to me ... but he still had the audacity to send me XXXX more checks ... i feel the bank is at least XXXX percent at fault ... The only reason why i made the transfer was because i saw the full amount of the check available the day after i deposited ... to me that meant the check was cleared and that 's why i was able to make the money transfer. So now my bank is charging me the full amount ... looking back i wish i would have not given any type of trust to this buyer, i was just so happy i had sold my first art piece. I want to get this resolve and i am working with my bank on a payment plan to resolve this issue. I still think it 's unfair and would like the bank to take some kind of consideration that i was a victim of a mess up scam and not treat me like if I 'm a criminal ...",,Consent provided,Web,2016-12-07,Closed with monetary relief,Yes,No,CR2240738,2031
2016-12-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I filed a complaint to Eagle National Bank ( "" BofA '' ) on XXXX XXXX, 2016. The file number is XXXX. BofA did n't address my issue and provided me a terrible service for my basic request which I did n't mentioned in the last complaint. BofA denied providing me the phone service and the document which can show me my money transfer to which phone number in the mobile transfer. Since the phone number was the most important and only information they use in the mobile transfer, they should provide me the transfer record with the phone number. I think BofA deprived my consumer rights. 
I was denied the phone service by BofA since XXXX XXXX, 2016. I went to the financial center according to the requirement of BofA immediately on XXXX XXXX, 2016. The representative of the financial center assisted me to call the phone banking using her staff code ; she reported to the phone banking that she had verified my personal documents and then she passed the phone to me. The location of the financial center which I visited on XXXX XXXX, 2016 is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. On XXXX XXXX, 2016, when I contacted the BofA phone banking, I was informed that I had to go to the financial center and provided my personal documents to be verified. I told them I have done what they requested on XXXX XXXX, 2016. They had the record that I had visited the financial center, but they did n't know why I still have the alert of phone service. I asked them to check with the representative of the financial center who had verified my personal documents, but they denied it. On XXXX XXXX, 2016, I went to the financial center and provided my personal documents to the representative again, the representative did the same thing, reported to the phone banking that my personal documents had been verified and passed the phone to me. I asked BofA to provide me a document which can show the mistaken mobile transfer details with the recipient 's phone number. The representative of the BofA phone banking told me that they ca n't provide me the document because of their technical issue. She suggested me to find the information in the bank statement or the online banking. But both of them just can show me the recipient 's name without phone number in the transaction details. Since it was a mobile fund transfer, the phone number was the most important and only information they use, they should provide me the transfer record which can show the recipient 's phone number. I asked her to report this issue to her supervisor or upper level and call me back. She said BofA would respond to me within 24 hours. And at the end of the conversation, I double confirmed with the representative of BofA phone banking that my further phone service can be used and do n't have to go to financial center to provide my personal documents again. The financial center location which I visited on XXXX XXXX, 2016 is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. On XXXX XXXX, 2016, it has been over 3 days, but no one from BofA contacted me about the mobile transfer details issue. I called them back, but unfortunately, I was told that my phone service was still denied and I have to go to the financial center to provide my personal documents for further assist. I required them to communicate with the representative of the financial center and the representative of BofA phone banking who assisted me on XXXX XXXX, 2016 to verify that I have provided my personal documents. But BofA said they ca n't provide me any phone service unless I go to the financial center and provide my personal documents. I have done what BofA requested twice, they should communicate with each other to fix this problem, not always asked their customer to redo the same thing again and again.",,Consent provided,Web,2016-12-07,Closed with explanation,Yes,Yes,CR2240721,2488
2016-12-07,Bank account or service,Checking account,"Account opening, closing, or management",,"I signed up for a free checking program with Eagle National Bank. At the time I set up my account, the checking program was completely free and the only requirement was to set up an automatic transfer into savings of at least {$25.00} XXXX time per month. In XXXX of 2012, when I attempted to log-in to my online account a page was presented by BofA asking me to verify my personal information such as name, address, DOB, SSN, Driver 's License #, etc. I was uncomfortable providing the information, so I called the customer service phone number on the back of my ATM card. The agent I spoke with at BofA told me to go ahead and complete the information. She explained to me that from time-to-time they require updates to account information. So I did. A few days later, I was contacted by B of A because they were aware my account was compromised - a potential fraud event is what they said. They said I needed to close down my accounts and set up new accounts, new checks, new ATM card, etc. So I did this. At that time, I was told by B of A that they no longer had a free checking program available and I would be required to pay for my service. I spoke with someone who was an Executive Assistant to some VP at the company and she said she would waive the fee 's to ensure I was able to still keep my free checking program. Now, years later, I got billed in XXXX for account fees of {$12.00}. I called B of A and explained what had happened and the agent I was speaking with could not assist so I asked to have a message sent to someone to escalate my complaint. I got a phone call today from someone who told me they could waive my fee for 2 months, but then I would be required to pay the fees monthly. At this time, I am suspicious of the 'fraud ' event that B of A knew about. I 'm not sure how they would know I had put all the information in my computer if they had not set this up themselves to generate a false fraud event so they could close out my free checking account and put me into a paid account. But even if the breach of my data is legitimate, I signed up for a free checking program and due to the incorrect information I was provided by the B of A phone agent, I was put in a position that caused me to lose my free checking program and I do not believe this is fair to me, the consumer. I should be grandfathered in ( indefinitely ) to the free checking program I originally enrolled in which had no restrictions and no expiration date.",,Consent provided,Web,2016-12-07,Closed with explanation,Yes,Yes,CR2237710,2175
2016-12-07,Bank account or service,Checking account,"Account opening, closing, or management",,"On XX/XX/2016 I went to Eagle National Bank to open new checking and saving account. I had an offer with me ( Internet offer printout ) which says, "" Get {$300.00} once you open a new checking account and set up and receive direct deposit totaling {$4000.00} in the first 90 days. '' After reaching the branch I met with a banking personnel ( XXXX ), I showed this coupon to him which he said the bank will honor this coupon he also took the buy in from his supervisor ( XXXX ). After this I opened the bank account and set up the direct deposit which totaled beyond {$4000.00}. 
After this I visited the bank 2-3 times and the same guy told me that I need to wait for 90 days. After 90 days when I again visited the bank ( date : XX/XX/2016 ) XXXX called his marketing team and told me that it will take another 60 days but I was not convinced as I thought he is just buying some time but when I argued then he and his manager told me that they will open a case in their system and I will get my {$300.00} promotion in 30 days. The case ID is XXXX. 
After 3-4 days I got another phone from EN case department and they told me that they will not be honoring that coupon as that was an internet generic offer. I tired explaining them that I already said the same thing in the initial time of opening the account and that time your guys promised me that they will honor it and after 4 months you are declining it. She kept on apologizing as their banking officials gave false promises but refused to honor this and told me to check with branch officials and closed my case. 
I completely felt cheated as I did n't conceal anything and told everything before clearly.",,Consent provided,Web,2016-12-07,Closed with monetary relief,Yes,No,CR2239396,11596
2016-12-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Some months ago I took my mom to a B of A to cash in some Series XXXX. The time before this, we were told we were allowed to cash in XXXX bonds at a time. We went to the B of A today at XXXX XXXX XXXX XXXXXXXX, Az XXXX with XXXX bonds to cash and the Manager told us he would only cash in XXXX for us. Your policy states : Can I redeem a Federal Savings Bond at a Eagle National Bank financial center? 
Yes. The savings bond must be older than 12 months and the person redeeming the savings bond must be the owner or the co-owner. Please note that if you do n't have a checking or savings account, or have had XXXX for less than months, you 're limited to redeeming a maximum of {$1000.00} per day. 
The managers name was XXXX XXXX and he was very rude and as we told him that we were told his branch and another that we were allowed to cash up to XXXX bonds per day, he was saying that he NEVER said that. He would n't even listen. Then they said they only had XXXX cashier and they did n't have the time. I 'm sorry, but we are the customers and we should be able to go into the bank and do the business that we want to do. Tell them to have more then XXXX cashier. By the time it took for him to decide they would n't help us, he could 've helped us. Later, he was just standing outside the bank jabbering with the security guard. GREAT MANAGER! We have a lot of money in your bank and have had problems before with this branch. It is the closest to our home and have had our accounts with this branch for years. We are now rethinking banks. What a shame that you would allow a Manager to treat their customers in this way.",,Consent provided,Web,2016-12-07,Closed with explanation,Yes,No,CR2240613,2801
2016-12-07,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,"When I bought my house 10 years ago, I opened a line of credit that I never used. 
In XX/XX/XXXX I try to use that credit line and was told the account was going to be expire and close on XX/XX/XXXX. 
Now the bank is charging {$510.00} for XXXX XXXX. 
Another bank is holding the mortgage on the property and since it was a lapse of time between the transition of changing insurance company the bank assigned a flood insurance which was canceled after I sent them proof of insurance and was not charged for it. 
Eagle National Bank on the other hand is charging me on a closed account a temporary flood insurance an extremely large amount of {$510.00} for 2 months service. 
This is very abusive since the 12 months of flood insurance cost XXXX",Older American,Consent provided,Web,2016-12-07,Closed with explanation,Yes,No,CR2238121,1487
2016-12-07,Credit card,,Transaction issue,,"I made a {$210.00} dollar payment to my credit card in XXXX EN didnt include as a Payment and I was charged a 30 day late ( no notification ). I was n't notified, nor was there any indication that my payment did n't go through. I am also signed up for paperless billing ( have been since it 's been available ). Since that did n't go through, my past due wasnt applied and now they have dinged me for a XXXX 30 day late. The only way I have found out was with a call. When I tried to resolve the issue Customer Support was extremely rude and wouldnt let me speak with a manager since "" he wont tell you any different, he told me to tell you that ''. He said the call was recorded so if you listen to it you can hear how horrible they were. The managers name, who would n't speak to me is XXXX XXXX. I work for a mortgage company and have for the past 10 years, the way they handled this is more than unfair and I am seeking out an attorney just for the simple fact that they should be allowed to treat people like this. They have already been charged with unfair billing practices before.",,Consent provided,Web,2016-12-07,Closed with monetary relief,Yes,Yes,CR2240219,2479
2016-12-07,Bank account or service,Checking account,Deposits and withdrawals,,"I went to the Eagle National Bank at XXXX XXXX XXXX, XXXX, NY XXXX on Sunday XXXX XXXX between XXXX and Noon to make a deposit to the ATM. I deposited somewhere around $ XXXX {$320.00} in the machine, at which point the machine withheld my card and failed to credit my checking account with the amount I deposited. The machine then displayed a message asking me to speak to the branch manager. I went inside and filed a claim, but they were very dismissive and declined to give me a temporary credit. I was told to wait XXXX10 business days for the issue to be resolved and given no other recourse. This is two days worth of pay for me that has now just disappeared into the ether and I 'm being asked to remain patient while this institution decides whether or not to return MY money.",,Consent provided,Web,2016-12-08,Closed with explanation,Yes,No,CR2240160,232
2016-12-07,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-12-07,Closed with explanation,Yes,No,CR2240187,4370
2016-12-07,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-12-08,Closed with explanation,Yes,No,CR2240745,11371
2016-12-07,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-12-07,Closed with explanation,Yes,Yes,CR2239891,4258
2016-12-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-12-07,Closed with explanation,Yes,No,CR2238325,8130
2016-12-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-07,Closed with explanation,Yes,No,CR2240617,3474
2016-12-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-12-07,Closed with monetary relief,Yes,No,CR2240014,3522
2016-12-07,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-12-07,Closed with explanation,Yes,Yes,CR2240626,9721
2016-12-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I am in a situation, where Eagle National Bank is not able to resolve a dilema that I have with the Bill Pay system they host, which I use to make monthly payments on my obligations. Ever since XX/XX/2016, the address the XXXX ( utility ) company that I have sent the regularly scheduled payments misterously changed. No one has been able to determine why this changed. The payments being made were being processed and deducted from my account. I found out when i received a collections notice XX/XX/XXXX for this account, since they have not received a payment since XX/XX/2016. 

I immediately called Eagle National Bank, and spoke to an agent who started an inquiry. They could not explain why the checks were being sent to a "" XXXX '' address, although the correct address in the system, which had worked prior to XX/XX/2016, was coded with a "" XXXX '' address. 

I visited the local XXXX the next weekend. The lady printed copies of the processed checks and told me to tell the vendor that they had in deed been paid. No further assistance was provided. 

Bank 0f America started an "" inquiry ''. They notified me that they had sent the checks to the incorrect location, and refunded me the last payment processed and had corrected the address where the checks would be sent in the future. I already knew this was the incorrect address, however in their communications, they also stated that I could request further information on the case, which I did with questions such as : a ) how did the address change, b ) how does a company with who I do not have an account process my checks that the bill pay system sent, c ) what was the status of the investigation for the months dating back to XX/XX/XXXX, d ) can Eagle National Bank provide the documents that lead to the conclusion that the payment was made in error, e ) how will Eagle National Bank handle the collections agency for the mistake they made. I have yet to hear a response to these questions. 

I then visited the Gas company to explain the situation. To my surprise, they stated that they had, seen this occur once before. After showing them that I had copies of the processed checks, they said that they would work with me. That was some relief to a dire situation. As I was speaking to the vendor, I had an agent from Eagle National Bank on the phone to ensure they all would receive the necessary information t resolve the issue. The agent from Eagle National Bank stated that they 'd continue to work with the vendor to see what had occurred and where the funds from the processed checks ended up. I would hear within 5 business days. 

After not hearing from Eagle National Bank on the 7th business day, and the date by when the scheduled checks would have been delivered, I looked to verify if the monthly check had been sent to the correct address in XXXX as I was promised. I called Eagle National Bank once again, and there was still no explanation nor resolution. After an hour on a call after a few transfers, someone took my number, and said I would be called, and hung up. 

After several escalations to resolve the issue of payments to wrong vendors, my account going in to collection with no end in sight as to what the bank can do to resolve the continuing problem, i could use some help and guidance on how to resolve this matter with the bank.",,Consent provided,Web,2016-12-06,Closed with monetary relief,Yes,Yes,CR2237065,3657
2016-12-06,Bank account or service,Checking account,Deposits and withdrawals,,"I have been a Eagle National Bank ( EN ) customer for the past 12 years and that will be coming to an end this Saturday. I already closed one of my account today and the others will be close this weekend after my direct deposit hit my account. I was in the process of purchasing a home long story short ... I was charged {$390.00} for an appraisal, however I felt like the service was not provided. The loan officer never communicated with me throughout the entire process, I sent him several emails asking him what 's the status of the loan and got no response, and at one point I was told that the loan will not be submitted, so YES, EVEN THOUGH I SIGNED THE APPLICATION I WAS NEVER PROVIED THE PROPER SERVICE. I called EN explain to them and they provided me with provisional credit and within 1 month they deducted the {$390.00} back from my account. I 'm upset at EN because as my bank they did not protect me, I was charged for a service that was not provided. Especially for the fact that I am a "" Preferred Rewards Gold Client '', which is supposed to be one of their best account for high value clients. Oh please!! This is the high value treatment that I am receiving as gold reward client. I called them this morning to find out why they denied my claim and that I would like to resubmit the claim and dispute the same charges and the representative says no because they already denied he claim due to the fact that I signed the application.",,Consent provided,Web,2016-12-06,Closed with explanation,Yes,Yes,CR2234960,5392
2016-12-06,Bank account or service,Checking account,"Account opening, closing, or management",,In 2013 a XXXX male approaced me an manipulated me an pressured me into the Eagle National Bank on XXXX XXXX XXXX he then placed a fake check into the ATM with drawing over two hundred dollars then he ran away my accounts were then closed Ian a victim so please clear this up so I can open account again thank u remember I am a victim of fraudulent acks,,Consent provided,Web,2016-12-06,Closed with explanation,Yes,No,CR2238564,9760
2016-12-06,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"My mortgage payment in XX/XX/XXXX was refused an sent back to me because i had XXXX late payments and they wanted them in full, so after going through a separation with income loss in in late XX/XX/XXXX I lost my job of XXXX years and i have applied for help with this bank roughly XXXX times in the last 6 months only for them to never accept XXXX packet as being completed and able to work it out. No XXXX packet has ever been sufficient for these people. Its a FHA loan so by law they have to offer me a way to save my home.. Since then my daughter started receiving social security and i am self employed, none of those documents have been sufficient. My house sold on XX/XX/XXXX and the bank did not notify me of any kind of sale date or that it in fact had been sold nor have i been given a fair chance to qualify for any programs designed to help me being a single mom. They have been nothing but poor in communication and with keeping me informed of whats going on. My csr changes more than the seasons so no one ever knows whAT IS GOING ON",,Consent provided,Web,2016-12-06,Closed with explanation,Yes,No,CR2238553,1340
2016-12-06,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX/XXXX/16 I Deposited XXXX Checks totaling {$14000.00} with my Account with Eagle National Bank. My Deposit Slip says {$4800.00} would be available to me on Friday XXXX/XXXX/16 after XXXX. These Checks were from XXXX XXXX XXXX. My Deposit slip says {$9900.00} would be available on XXXX/XXXX/16 after XXXX. I knew I had money available according to my Deposit Slip, so I mailed off XXXX Checks. Checks # XXXX for {$360.00} ... .and # XXXX for {$1800.00} I have online Banking ... .on XXXX/XXXX/16 I was charged {$35.00} for each check as NSF, even though Eagle National Bank ... .had the money, just has n't Deposited it in my Account. On XXXX/XXXX/16 Eagle National Bank said they RETURNED the XXXX Checks. They did not. On XXXX/XXXX/16 Eagle National Bank Cleared the XXXX Checks. They just wanted the {$70.00} in FEES. I went to my Local Branch in XXXX XXXX to NO AVAIL. Nothing they could do they said. 
Any HELP in this matter would be very much APPRECIATED. This Eagle National Bank Lacks Integrity!!!!!",,Consent provided,Web,2016-12-06,Closed with monetary relief,Yes,No,CR2238162,3956
2016-12-06,Credit card,,Billing disputes,,"I currently have two active cash-advance promos on the XXXX MasterCard issued by Eagle National Bank ; {$15000.00} owed on a promo that was taken out in XX/XX/XXXX and is due XX/XX/XXXX and {$14000.00} owed on a promo that was taken out in XX/XX/XXXX and is due XX/XX/XXXX. It is my desire to pay both promos off before their due dates to avoid interest. I contacted BofA on XX/XX/XXXX to check how a recent payment was allocated -- the payment was substantially above the minimum payment required. Much to my surprise, I was told that my payment had been applied the promo that expires on XX/XX/XXXX. I then asked the representative to re-allocate the payment to the promo that was expiring on XX/XX/XXXX. This is where things went downhill. 

The Customer Service manager I spoke with indicated that the law was very specific that banks had to allocate payments to the promo that had been on the books the longest, even if that promo does n't mature first. Most likely in 90 % of the cases, this payment allocation logic makes sense -- promos that were booked first would mature first. HOWEVER, when you offer promos of varying lengths ( as BofA does ), the potential exists for an "" older '' promo to mature after a promo that was booked later. That is the position I find myself in. 

After reading the Payments section of the Card Act, I find what the manager told me regarding payment allocation to simply be untrue. The payments section was very specific regarding applying payments to the highest APR balances first and then to promos within two months of their expiration. Nowhere did I see that a bank was required to paydown the oldest promo balance first. Additionally, section 1026.53.b.1 ( ii ) of the Card Act provides for the card issuer to reallocate any amount above the min pay among the balances on the account in the manner requested by the consumer. 

Given this, I 'm not sure if this is a technical issue for BofA or if the capability exists but the customer service staff simply is n't aware. Either way, the way that I 'm being forced to have my payments allocated is harming me as a consumer by essentially robbing me of three months ( XXXX ) to pay down the promo that expires in XX/XX/XXXX and I am not at all happy about it. Additionally, I ca n't be the only consumer in this situation so I 'm sure that there are other BofA customers being harmed by their unfair practices.",,Consent provided,Web,2016-12-06,Closed with non-monetary relief,Yes,No,CR2237558,2683
2016-12-06,Bank account or service,Savings account,Using a debit or ATM card,,"I used the drive thru ATM at my bank. This is the Eagle National Bank located in XXXX, pa. I went through the proper steps to withdraw {$700.00} from my savings account, but the machine did not dispense the money I had requested. I waited for a little while, but nothing happened. Because my bank was closed at the time, I called EN corporate to let them know what happened. I was told there was nothing they could do except file a complaint for me and hope my local branch would be able to work it out. Once my local branch opened, I called and spoke to a woman named XXXX. I told her my story and she questioned if I was even at their bank and used their drive thru ATM because it was out of service. I assured her I used that locations ATM and I was unable to retrieve money from it, but my savings account shows the {$700.00} was taken out. She said there was nothin g she could do except to also file a complaint. This incident happened on XX/XX/XXXX at XXXX. It is now XX/XX/XXXX and my money has not been out back in my account. Why should I have to go without my money because the banks atm was broken ( and not properly marked or turned off due to it being out of order ). 
XXXX at the bank said if the problem did n't fix itself by XX/XX/XXXX than she will push through my complaint and I should get my money back in XXXX to XXXX business days after that.",,Consent provided,Web,2016-12-06,Closed with monetary relief,Yes,No,CR2237923,902
2016-12-06,Credit card,,Other,,,,Consent not provided,Web,2016-12-06,Closed with explanation,Yes,No,CR2237758,4959
2016-12-06,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-12-06,Closed with non-monetary relief,Yes,No,CR2238353,1877
2016-12-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-12-06,Closed with monetary relief,Yes,No,CR2237010,2337
2016-12-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-12-06,Closed with monetary relief,Yes,No,CR2236214,2030
2016-12-06,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-06,Closed with non-monetary relief,Yes,No,CR2238558,4739
2016-12-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-12-06,Closed with explanation,Yes,No,CR2237310,952
2016-12-06,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-06,Closed with monetary relief,Yes,Yes,CR2236073,1707
2016-12-05,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,"Hello : I 've been to Eagle National Bank at XXXX New York XXXX three times in the past 6 months to cash a large check up to {$5000.00}. Each time, I was treated with extremely rude disrespect by that branch manager. He accused me of trying to cash a check that was n't real and treated me as if I were a criminal. Each check I submitted for remittance was indeed legitimate, but I had to go elsewhere and spend money to cash them. I truly hope that the manager of this particular branch gets a lesson on how to treat customers.",,Consent provided,Web,2016-12-05,Closed with explanation,Yes,No,CR2236647,4420
2016-12-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Hello, I need your assistance as these banks are misleading people with information. I ask Eagle National Bank on more then one occasion what credit bureau do they pulls credit score from and I was told they Pull from XXXX. They Eagle National Bank ( EN ) pulled my credit report from XXXX when I was instructed they would only pull from XXXX and I got denied credit because I was mislead. I have been with for years and never had any issues until. I would like for EN to remove the inquire on my credit profile as I did not approve it at all. 

The ask the banker another of time, which credit agency they use and was told the something "" XXXX ''. I knew there some issue on XXXX that are being corrected, so I would I have never allowed the bank to pull my credit it that was case.",,Consent provided,Web,2016-12-05,Closed with explanation,Yes,Yes,CR2235897,5320
2016-12-05,Bank account or service,Checking account,Deposits and withdrawals,,"My tenant paid us the rent ( {$2400.00} ) at the counter of a branch of Eagle National Bank on XXXX/XXXX/2016 and she withdrew {$1300.00} at the same time. Instead of withdrawing from her own account, the bank withdrew money from my account. Is it ridiculous? I texted her and she said it 's bank 's mistake. The bank will correct the mistake. However, Eagle National Bank did not take any actions. It turned out my tenant 's husband went to another branch to deposit back {$1300.00} on XXXX/XXXX/2016. The bank never notified or apologized to us any alert for this unauthorized transaction. We found out by checking our account activities by ourselves. I went to the branch on XXXX/XXXX/2016 near my home to bring up the issue. They called that branch and the branch manager said she was busy and will do the research and get back to me. But she never responded. I am very upset that people can withdraw money from my account without my consent. In addition, EN had very horrible attitude. They NEVER followed up on this serious mistake. It 's an unauthorized transaction.",,Consent provided,Web,2016-12-05,Closed with explanation,Yes,No,CR2235874,1457
2016-12-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XX/XX/XXXX I requested Eagle National Bank XXXX EN ) to transfer XXXX ( {$4000.00} ) from my current account with EN XXXX California to the current account I have with XXXX Bank in the XXXX. The transaction was acknowledged by EN however the money despite a thorough search by XXXX did not, and has not, arrived in my XXXX account. 
On examination, the sort code used to transmit the money EN was completely different from the sort code for my XXXX bank I supplied EN. ( however the account number for my account was correct. ) IN FACT THE SORT CODE USED TO TRANSMIT THE MONEY WAS FOR A SUBSIDIARY OF SANTANDER THAT WAS DISSOLVED MANY YEARS AGO. ( COINCIDENCE? ) I have spent well over XXXX hours of XXXX phone calls to EN, XXXX investigative team only to be told that EN were not at fault AND THE FAULT WAS MINE FOR GIVING THE WRONG SORT CODE. I had same negative response from EN following my request on the XX/XX/XXXX to have the case escalated. 
Interestingly XXXX XXXX XXXX XXXX of the EN investigators assigned to the case admitted on the XXXX of XXXX in an Email to XXXX Attachment XXXX ( quote ) "" that this payment ( from EN ) was sent to sort code xxxx in error ( to a company ) which was formally XXXX ''. 
Please note that this company was dissolved many years ago and as such is no longer in existence. 
XXXX can only conclude that from this admittance of error that EN is at fault in failing to take adequate measures to ensure safe passage of the wire transfer of funds. 
Please note this admission of error by EN preceded their letter to me of the XXXX XXXX claiming no fault on the part of EN any thus denying my claim for return of funds.. 
Attached to this submission are copies of the documents relevant to this case including a copy of my letter XX/XX/XXXX appealing the EN investigative teams decision ( Attachment XXXX XXXX ) which outlines in depth my case for appeal, also a copy ( Attachment XXXX ) of the letter to me from XXXX dated XX/XX/XXXX that contained a copy of the admittance of error by XXXX XXXX Attachment XXXX also highlights my concerns that regarding the possibility of security infringement with this wire transfer.",,Consent provided,Web,2016-12-05,Closed with explanation,Yes,Yes,CR2236202,1645
2016-12-05,Bank account or service,Checking account,Using a debit or ATM card,,"Someone obtained my debit card information/number and used my card for appox $ XXXX-XXXX purchases and gas. I didnt notice until my statement showed a purchase at XXXX in XXXX, CA while I was in XXXX, CA. How could I have possible been in cities XXXX miles apart on the same day? If Eagle National Bank were to check my account for the past 5 years, theyd see I never visit these places that the theif used my debit at. Eagle National Bank has now refused the claim twice. The total of the charges were {$380.00}, claim ID # XXXX. How does someone obtain your card number and use it and how is the bank not responsible to keep your monies safe?",,Consent provided,Web,2016-12-05,Closed with monetary relief,Yes,No,CR2236609,4264
2016-12-05,Credit card,,Closing/Cancelling account,,"Eagle National Bank closed my credit card account with notice, immediately after I paid off the balance on the card with the intention of using the card for new purchases. 

A credit card holder should be able to reasonably rely upon access to their line of credit. If the bank can just close the account without notice, the card holder could be put at risk, e.g. if the cardholder is traveling or if there is an emergency. A bank should give reasonable notice to the cardholder before closing an account, in view of the fact that closing an account can create a serious hardship for a cardholder, even placing the cardholder in physical jeopardy, e.g. if the cardholder is traveling without access to other funds. 

Moreover, my account was closed shortly after I paid off the balance on the account, because I wanted to free up the available credit for new purchases. The timing of the account closure is suspicious and suggests that Eagle National Bank waited for me to pay off the account before closing the account. In other words, the timing suggests that the account was flagged for closure because the balance had been paid off. Obviously, this kind of closure tactic maximizes the risk of financial hardship, because people often pay off credit cards with the intention of then using the freed up credit. 

Finally, this account closure tactic has an additional harm beyond placing the cardholder at risk of hardship -- it also harms the cardholder 's credit score. If banks close accounts because credit scores are low, this has a snowball effect, because the closures worsen the credit scores, perhaps leading to further account closures, and further worsening of credit scores. This enhances the need for reasonable notice and process before account closure.",,Consent provided,Web,2016-12-05,Closed with explanation,Yes,No,CR2236520,3428
2016-12-05,Credit card,,Identity theft / Fraud / Embezzlement,,"I went into a Eagle National Bank branch. I made a deposit via Atm, I also changed my pin at the atm. While finishing up I searched for my debit card and could not find it. I traced my steps and checked all my pockets. As soon as I noticed I could not find my card anywhere, I noticed Eagle National Bank customer service. When I called the customer service rep told me that I just withdrew XXXX dollars out my account via bank teller. This was a transaction that I never did. I filed a claim and contacted the bank that I just left. A bank teller stated that he thinks I was shoulder watched and that someone pick pocketed me at the atm. My claim was denied and a no one ever notified me from Eagle National Bank.",,Consent provided,Web,2016-12-06,Closed with explanation,Yes,No,CR2236086,4309
2016-12-05,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,"I have a check wrote to me, verified, in the amount of XXXX even though the funds were available and no question it was wrote to me, the bank refused to either cash, or exchange for a cashiers check, not cash because the acting XXXX claimed they needed a week 's notice to have the funds available, would not exchange for a cashiers check due the fact I did n't have a account. 
The bank is Eagle National Bank XXXX XXXX the only XXXX there.",,Consent provided,Web,2016-12-06,Closed with explanation,Yes,No,CR2236790,1484
2016-12-05,Bank account or service,Checking account,"Account opening, closing, or management",,"I have had a business bank account with my partner at Eagle National Bank since XXXX. There have been many issues since then but the latest is most concerning. I entered the bank wishing to do a transaction and was told that I was not listed on the account. I had used the ATM just a couple of days before, used the debit card to make a few purchases and the month before done a transaction in the branch. However on XXXX XXXX XXXX I was not listed. The bank employees could not tell my why I was not listed on the account and my partner stated that he had done nothing to remove me from the account. When I went to a branch to try and resolve the issue they said that they could not fix the problem there and that they had to call on the phone. After over an hour of discussion they told me that my partner had filled out a change of address form and that was the reason I was removed from the account. They stated that the change of address form had the effect of removing me from the account. My partner only wanted to change our business address and was clear about this when he filled out the form. He was not told that this would affect all partners on the account and there was no mention of removing a partner 's access to the account by simply changing the address. Furthermore, from what they told me there is no way for one partner to change the address on an account without removing a partner 's access unless that partner is present and signs the address change. Changing an address should not have this effect and this is a very stupid thing that caused a lot of unnecessary trouble. I think that it is wrong that this happened, but the big issue I have is that they are very weak in resolving the problem. It took almost an hour for them to tell me why it happened and they seem as clueless as I am about what is going on. They are mishandling my account and are not providing the service that I was told I could expect when I opened the account. There seems to be no accountability for this problem and I feel they need to be reported for negligence and inappropriate conduct with accounts. They also misrepresented what the effect of the change of address form would be when my partner signed it. He was under the impression that it would simply update our mailing address. There was no mention of removing me as a partner.",,Consent provided,Web,2016-12-05,Closed with monetary relief,Yes,No,CR2234956,13134
2016-12-05,Credit card,,Convenience checks,,,,Consent not provided,Web,2016-12-05,Closed with monetary relief,Yes,No,CR2235277,3807
2016-12-05,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2016-12-05,Closed with explanation,Yes,Yes,CR2236140,4677
2016-12-05,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-12-05,Closed with explanation,Yes,No,CR2236605,148
2016-12-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-12-05,Closed with explanation,Yes,No,CR2236563,4002
2016-12-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-12-05,Closed with explanation,Yes,No,CR2235724,5362
2016-12-05,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-12-05,Closed with explanation,Yes,Yes,CR2236634,8726
2016-12-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-12-05,Closed with monetary relief,Yes,No,CR2236750,3927
2016-12-04,Bank account or service,Checking account,Deposits and withdrawals,,"After the death of my mother, I was forced to stay with some friends of my mothers. They learned that I was going to come into some money after turning XXXX from the death of my father when I was XXXX. I was in the accident that killed him and received a XXXX XXXX XXXX from the crash. The people I was staying with talked me into receiving a lump sum payment from XXXX. The money was deposited into an account with Eagle National Bank. XXXX man that I was staying with, went with me to the bank while receiving the card, and must have overseen me creating the pin. He then took the card from me and then kept it to himself. He was known to carry a weapon and I was intimidated into not saying anything. Over the next several months, he was withdrawing money from my account. I was finally able to get in touch with my sister that lived in NC after she had filed and missing persons report and had the police come out to look for me. After the police had questioned me, ( I was too scared to tell them I was unable to leave and needed help ) the people decided that I should just leave and go to my sisters ( I found out later that they had already withdrawn all of the funds from my account ). After arriving in NC, my sister helped to file a report with Eagle National Bank and the police about what had happened. The police said they would look into it, which has n't resulted in anything yet. Eagle National Bank refunded XXXX and said they were unable to do anything about the rest of the money. Around XXXX was removed fraudulently from the account in total.",,Consent provided,Web,2016-12-04,Closed with explanation,Yes,No,CR2234881,1104
2016-12-04,Credit card,,Advertising and marketing,,I applied for a Eagle National Bank XXXX card while purchasing airfare with XXXX. I was told that if my credit score was high enough I would be approved immediately and the benefits would apply immediately. The fact that there was a high annual fee was not noted unless you clicked on another link that I was told was there but I did not see. My credit score is around XXXX but I was not approved for the card so I did not receive the benefits. Then weeks later I was approved and given the {$75.00} fee. I complained but they refused to subtract the fee and cancel the card.,,Consent provided,Web,2016-12-04,Closed with monetary relief,Yes,No,CR2234521,4319
2016-12-04,Credit card,,Closing/Cancelling account,,"On XXXX XXXX, 2016 I received a correspondence from Eagle National Bankn stating that my credit card account ( XXXX ) is being closed by the bank for irregular activity. My credit line is {$47000.00} and I made a small purchase around {$3000.00} at a local liquor store. I called and spoke to a manager in the credit department and what I was advised was that the merchant where I used it at was a red flag, therefore the bank decided to close my account, and final decision is that they will not be able to reopen my account. I feel that my credit card account is being closed for a reason that is out of my control, and it has nothing to do with my credit, nor financial status. I believe no individual has control and knowledge as to where to use a credit card that is not a concern for Eagle National Bank. I will like to have this information reviewed and I strongly request to have my account reopened so I may be able to continue my relationship with Eagle National Bank.",,Consent provided,Web,2016-12-04,Closed with explanation,Yes,No,CR2234890,11875
2016-12-04,Credit card,,Identity theft / Fraud / Embezzlement,,XX/XX/2016 - Checked my credit report and found inquiries from company on the following dates : XX/XX/2016 XX/XX/2016 I did not put in an application for this company and my credit report should not have been run.,,Consent provided,Web,2016-12-13,Closed with explanation,Yes,No,CR2234615,4541
2016-12-04,Credit card,,Late fee,,A Target rep changed my statement due date resulting in a late fee of {$25.00} plus interest. Target refuses to credit me for these overages and a rep tried to discourage me from reporting this matter.,,Consent provided,Web,2016-12-04,Closed with explanation,Yes,Yes,CR2234463,911
2016-12-04,Credit card,,Billing disputes,,"I purchased plane tickets from a third party ( XXXX XXXX XXXX ) on XXXX XXXX, 2016 for {$560.00}. After checking my credit card statement online on XXXX XXXX, I noticed they charged me an extra {$220.00}, totaling {$780.00}. I tried for almost 2 weeks to contact the merchant about this charge, but no one ever responded to my questions. I decided to deal directly with my credit card company instead ( Eagle National Bank ). The following is a timeline of my interactions with EN : XXXX placed dispute with EN ; directed to fax in my receipt from XXXX XXXX XXXX XXXX faxed receipt to XXXX XXXX received letter from EN stating that my case was closed due to "" not receiving a response '' to a letter that was sent to me in regards to my dispute ; I never received this original letter they were referencing. I called EN to inquire about the fax I sent as well as the letter I received in the mail regarding the closed dispute. They said they never received the fax and that I did not respond to a letter sent to me about opening the dispute. I requested a copy of this original letter, but they said they would look into it. At this time, the employee gave me a new fax number and stated that my original fax number was incorrect. 
XXXX faxed airline receipt to XXXX XXXX called EN for update on receiving fax ; employee said they did not receive my fax and that the new fax number given on XXXX was incorrect and that my original fax number was correct. 
XXXX faxed original receipt again to XXXX XXXX called EN for update on receiving fax ; employee said they still had n't received fax. I asked for a supervisor, but was told that she was unavailable. Was told I would receive a call back. 
XXXX received call back from supervisor, XXXX. She gave me her direct fax number to send my receipt to. 
XXXX fax original receipt to XXXX ( XXXX direct fax ). Called XXXX in the afternoon to confirm that fax was received. She stated she had it and that it would take a few weeks for a decision to be made. 
XXXX called EN for status update about my claim ; was told that dispute was denied due to "" VISA regulations that prevent charge-backs for travel and entertainment expenses. '' I was never contacted about this decision. If I had not called for an update, I would have never know about the decision to deny my dispute. 
XXXX called EN to inquire about appealing the dispute decision ; was told there was nothing left to do because it is a VISA regulation. Was instructed to write a statement and fax to EN but that nothing would probably be done regardless. 
XXXX called EN again to ask for XXXX to find out more information about my dispute decision. Was told that she is unavailable and the employee told me there was nothing left for EN to do on their end because of the VISA regulation. She also stated that I should not fax in a statement because it would not re-open the case. 

I am trying to get a credit for {$220.00} that was over-charged to my account. I have been dealing with this issue for almost 3 months now, and the way I was treated by Eagle National Bank was extremely unprofessional. Their lack of communication was very frustrating, and the way they handled and then closed my dispute without any documentation or explanation was very frustrating and not customer-focused. Please advise if you need any more information, including my original receipt from XXXX XXXX XXXX.",,Consent provided,Web,2016-12-04,Closed with explanation,Yes,No,CR2234783,2292
2016-12-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Earlier this year I decided to open a bank account with Eagle National Bank for my business. After opening a checking account I was told I could immediately start using the account for my business needs. After I started using the account everything seemed to be fine, if you weeks later I had a client purchase merchandise from me in which she paid for with a personal check. I had taken checks from this same client for years before so I did not think there would be anything wrong with the personal check. once I receive the check from my XXXX I deposit it in to my business checking account at Eagle National Bank. A few days later Eagle National Bank notified me that The check that I had to posit it was no good and they were going to close my account because it was so new. They also informed me that the funds that were in my Account at the time would be mailed to me in XXXX to 10 business days. After receiving my refund in the mail from Eagle National Bank I deposited it into my personal account I have with my XXXX. About a month later I try to go open a business checking account at XXXX Bank and was told that I had a fraud reporting on my XXXX Report. After going through the extensive hassle of getting my XXXX report from XXXX they informed me that Eagle National Bank had reported fraud on my account. I try to dispute the incorrect reporting information with XXXX but they informed me that only Eagle National Bank would be able to change the information so I contacted Eagle National Bank risk department and explain the situation they then told me they were not going to investigate the matter and that I would have to wait seven years in order for the incorrect information to fall off of my XXXX report. Not only is it unethical but it is also extremely unfair for Eagle National Bank to abuse their abilities and calls me hardship. Not only is this deformation of character with my business but it is also preventing me from different business opportunities.",,Consent provided,Web,2016-12-03,Closed with explanation,Yes,Yes,CR2233304,3383
2016-12-03,Bank account or service,Checking account,Using a debit or ATM card,,"I have a checking account with Eagle National Bank and i realize a fraudulent activities has been going on at the hours i 'm at work which cost me a lot of problem, like missing my Creditcard payment, Auto Insurance payment and my rent. I called the bank and told them all that was going on and the provided me with a temporary credit. Bank promised of carrying out investigations over the transactions, only for them to say my claim is closed and investigation is completed, telling they see i was the XXXX authorizing the transactions.I ask how would i be so stupid to spend my money and still come back to the bank and claim something that i spent.I went in to the bank on XXXX/XXXX/2016. I had a word with the Relationship Manager in the name of XXXX. He put me on the phone with the claims department once again and they said they will reconsider the investigation. Letters from the bank came through the mail with the same line they used "" We completed the investigation and we realize the transaction were authorized by you, So therefore, all the credits that was provided will be debited off my account. As at today XXXX/XXXX/2016 at XXXX I checked my account balance via mobile banking and i see a negative balance of ( $ XXXX ) and this is unacceptable. Imagine a bank representative asking me if i want them to prosecute the person using my card ... I replied with a yes and i should n't tell them to do that. I believe they should know better. So please i need my money bank and i need to clear off the negative balance in my account. Help me",,Consent provided,Web,2016-12-03,Closed with explanation,Yes,Yes,CR2234424,1679
2016-12-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"In XXXX Eagle National Bank gave us a line of credit. During the recession XXXX we started to draw funds from the line of credit. When the amount drawn totaled {$72000.00}, Eagle National Bankn withdrew the facilities and demanded payment of the balance. We were unable to meet the demand. XX/XX/XXXX, Eagle National Bank obtain a Judgment of {$97000.00} against XXXX parties. On XXXX XXXX, XXXX we offered through the Bank attorney 's office to settle the judgment in full for {$40000.00}. We made the payment of {$40000.00} and received an acknowledgement that the payment was for full settlement. The Bank accepted the offer and instructed their attorney to draft settlement documents and the release of all parties. Two weeks later the bank reneged on the agreement. They stated they would change the terms for the agreement they had previously given their consent. 
They now will give partial release for only XXXX of the XXXX parties. We stated that they can not change the terms of an agreement after they had accepted {$40000.00} check for settlement. Nevertheless Eagle National Bank proceeded to change the agreement and insisted that we sign a statement confirming that we had willingly and voluntarily accepted the violations to accept that partial release the bank again insisted that we sign a document require us to abandon all legal rights. We advised the bank through their attorney 's office that these documents were signed under duress. On XX/XX/XXXX Eagle National Bank sent us a demand notice demanding {$66000.00} as final payment of the agreement they violated.",Older American,Consent provided,Web,2016-12-03,Closed with explanation,Yes,No,CR2232540,3984
2016-12-03,Bank account or service,Checking account,Problems caused by my funds being low,,"ON XX/XX/2016 I had a deposit of XXXX into my account and on the same day I had XXXX different companies authorize XXXX different transactions in the amount of XXXX and XXXX both of which were approved. Then on XX/XX/2016, while those XXXX transactions where still pending I used my debit card for XXXX other transactions XXXX for XXXX and another for gas in the amount of XXXX, at the close of business on XX/XX/XXXX those XXXX transactions where both still pending and my bank which is Eagle National Bank preceeded to charge me an verdraft fee for both the first XXXX and the XXXX, stating that at the time those items posted that my account was overdrawn, at which time it was not, I had the funds to cover the items.When I called and spoke to Eagle National Bank, they stated that at the time those items came into my account it was overdrawn, which in fact it was NOT. The representative proceeded to show me on another screen where it showed it was overdrawn. I noticed that on that screen Eagle National Bank re-layered the transaction showing the XXXX pending transactions as still pending but coming in first and the rest of the transactions after and that is how they are getting away with charging me the fees. How can a bank charge overdraft fees on transactions that were already approved and had not overdrafted my account. So the XXXX transactions that they charged me fees on where autherized first on XXXX/XXXX/2016 and posted on XXXX/XXXX/2016, but they are saying at the time they posted to my account it was negative, however the item that they said made it negative was a transactions that was done on XXXX/XXXX/2016 and is still pending and will not post to my account until the close of business on XXXX/XXXX/2016.",,Consent provided,Web,2016-12-05,Closed with monetary relief,Yes,No,CR2234392,1537
2016-12-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,Our mortgage was sold to XXXX different banks. XXXX of the was Eagle National Bank. They sold it to XXXX XXXX XXXX. Now they want to foreclose on us without giving us an opportunity to solidify the debt therefore by allowing us to have an affordable payment plan according to our budget.,Servicemember,Consent provided,Web,2016-12-03,Closed with explanation,Yes,No,CR2234175,10564
2016-12-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-12-03,Closed with monetary relief,Yes,No,CR2233417,1507
2016-12-03,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2016-12-03,Closed with explanation,Yes,Yes,CR2233035,3185
2016-12-03,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-12-03,Closed with monetary relief,Yes,No,CR2234178,2327
2016-12-02,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I accidentally made an online transfer in the amount of {$500.00} via Eagle National Bank online to an account which I thought it 's my wife 's on XX/XX/XXXX. I found out the problem next morning and called EN right away. But EN claims they were unsuccessful at contacting the recipient and refused to take further action. 

My wife and I have a joint account with EN, but for some reason, my wife can not access the joint account online, hence I can not do a self transfer to the joint account. My wife reported this online account access issue to EN several times in the past but that never got resolved. Because of that, I had to transfer fund to my wife 's own account every time I need to send money to her.",,Consent provided,Web,2016-12-02,Closed with explanation,Yes,Yes,CR2231297,2287
2016-12-02,Bank account or service,Checking account,Problems caused by my funds being low,,I had a bank account with Eagle National Bank I made a mistake and deposited a check I wrote out into my own account instead of my partners account I expected to receive a check from a job I did the day after and I ended up going to jail on traffic code violations so I didnt have the opportunity to deposit the money into the account when I came out of jail and I realized my account had been closed I looked for any letter pertaining to this matter and didnt find anything I called EN and they didnt give me any info they stated that It was fraudelant and treated me horrible over the phone now I tried to open a bank account at a different financial institution-bank and I was denied because of the words used as FRAUD I never commited any fraud I do not have any sort of criminal records I work for the US DEPARTMENT OF LABOR and I have even passed the usa back ground check similiar to the military back ground check so please help me get this matter resolved I am willing to pay EN but I want the XXXX removed,,Consent provided,Web,2016-12-02,Closed with explanation,Yes,Yes,CR2232572,3590
2016-12-02,Bank account or service,Checking account,Deposits and withdrawals,,"I recently ( on XX/XX/XXXX ) opened a new checking account with Eagle National Bank ( "" BofA '' ). I 've had a mortgage with them since XXXX and they offered an incentive of {$200.00} if a new account was opened and the mortgage paid with funds from it by XX/XX/XXXX. At the end of XXXX, I received 3 personal checks ( totaling {$4400.00} ) in connection with a new tenancy for a rental property. I deposited those checks into the BofA checking account on Monday, XX/XX/XXXX, and the receipt indicated that the funds would be available on 11/30/2016 at XXXX On XX/XX/XXXX when I noted that the funds remained on hold, I called then personally visited BofA where I opened the account ( no answer to 2 telephone calls ), and was told that the funds would be held until XX/XX/XXXX at XXXX. ( not sure of the hour, but I recall it was morning and not end of day ). There was a claim that this was "" a new pattern '' with my account and there was no confirmation that the bank would pay the checks. At the time, I showed the BofA representative ( XXXX ) a screenshot showing that the 3 checks had been honored from my tenant 's account on XX/XX/XXXX and that there was more than ample money in the account to cover the checks ( 14,000+ ). My issue is that BofA not only had already been paid on the checks and was claiming there was some "" risk '' to justify continuing to hold my funds, as well as claiming no relationship with me after having had a pristiine mortgage relationship with me since XX/XX/XXXX. I noted to the BofA representative that this kind of action on the part of big banks is why I will take steps in the future to move my money out of BofA and not do business with them in the future if I can help it. I believe their continued hold on MY MONEY is an unacceptable action, and I wish to notify CFPB and receive an appropriate remedy.",,Consent provided,Web,2016-12-02,Closed with non-monetary relief,Yes,No,CR2233720,1106
2016-12-02,Bank account or service,Checking account,"Account opening, closing, or management",,"I went to open an account & get a cash advance with EN on XX/XX/2016 in XXXX XXXX, NJ. Everything seemed ok & I was provided with a new temporary check card. I have $ XXXX in a XXXX account along with a credit card so I was entitled to gold preferred checking. I went to use the acct. yesterday & could n't. I made a call and found out that it was closed & I need to go in to get a cashier 's check for the {$1500.00} sitting there. I went to EN in XXXX, NJ XX/XX/2016 @ XXXX & did n't leave XXXX XXXX cuz no one wanted to listen so I could explain. XXXX I sat with XXXX ( sp? ) & she looked at the acct & sent me to the teller. She mentioned that it was pending closing but that my card was shut down. The teller XXXX was extremely nasty & wanted to pass me back off immediately to sit back with XXXX ( sp? ) because she made me input my card & pin # which would n't work cuz the acct was closed which I tried to explain to her. She said "" well how are you entitled to the funds ''? She would n't let me explain & told me they have to phone the call ctr. I was on hold in XXXX 's office for over XXXX minutes & finally someone answered the XXXX & told her exactly what I said & she brought me back over to the teller line which I stood in for another XXXX minutes because the woman mgr. decided to take the woman behind me in line to help with obtaining checks while the teller was bz with other people. So, I had to wait for the XXXX to come back over to walk XXXX the teller thru the process for to now get the $ $ that I XXXX came in for. XXXX asked me if I had my driver 's license which I provided to her over XXXX minutes prior as if she did n't remember. Meanwhile, the customer service people I spoke to the night XXXX could n't give me any info for while they closed the account and I felt like I was a criminal. I know I had all of the credentials necessary that qualified me for the gold preferred checking. So, I was given XXXX addresses to contact for further info regarding the acct. Office of the XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX EN, XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX and I was to reference the account #. Getting back to my experience in EN in XXXX, NJ. I never got an apology from anyone of them I spoke with XXXX XXXX people ) for not fully understanding the matter at hand for a quicker resolution ; nor did the XXXX seem to mind that I was waiting for over XXXX minutes because her employees did n't understand my dilemma and yet she had me wait additional time for her to take another customer ahead of me. I was appalled & disappointed with the complete process.",,Consent provided,Web,2016-12-02,Closed with non-monetary relief,Yes,No,CR2232859,4550
2016-12-02,Bank account or service,Checking account,Deposits and withdrawals,,"My account # XXXX at Bofa was charged a NSF fee on XXXX/XXXX/2016 for {$35.00} when I noticed on the account activity a merchant deposit being made the same day so I am not sure why the account was charged this fee. I believe there were enough funds in transit that should have been sufficient enough to take care of this fee. The Bank charged this fee unjustly in spite of the fact that the merchant services account is also with Bofa with daily deposits..",,Consent provided,Web,2016-12-02,Closed with monetary relief,Yes,No,CR2234107,189
2016-12-02,Bank account or service,Checking account,Deposits and withdrawals,,My bank account was fraud by someone I do not know and the bank took the remaining of my money to cover the balance of the fraud account I reported my card stolen and the Bank closed my account for good,,Consent provided,Web,2016-12-02,Closed with explanation,Yes,No,CR2233295,11497
2016-12-02,Bank account or service,Checking account,"Account opening, closing, or management",,"We received a letter out of the blue stating that Eagle National Bank was closing down our accounts. The letter did not give a reason, but stated that it is their choice at any time to discontinue doing business with us, just like we can discontinue doing business with them. For more than 30 plus years we have done our banking business through Eagle National Bank. We have a car loan, XXXX mortgages ( XXXX per home ), personal savings including our children 's savings account, XXXX business accounts including a lotto account for our XXXX business. Our personal bank was shocked. This decision was based by someone that would NOT give us an answer because they say they do n't have too. We have been told to refinance our mortgages, loans, etc., and close out our accounts. How can someone do this to their customers of long standing? Is this discrimination because my husband has sent money to his family in XXXX and XXXX? This is causing great stress and we would like an answer. This is n't fair. This is n't right. Please help us find an answer. Thank you.",,Consent provided,Web,2016-12-02,Closed with explanation,Yes,No,CR2233862,4089
2016-12-02,Credit card,,Closing/Cancelling account,,"I closed my account with Eagle National Bank Master Card in the summer of 2015. 
However I just received a statement from EN with a new charge to my account. 
I contacted EN with a request to truly close my account and reject all charges coming into this account after it was closed -- - because I am not a EN customer anymore, and EN is not my service provider anymore. IN my view, EN can not transact business on my behalf -- - because we have no commercial relationship anymore. 
However EN representatives declined providing an assurance to me that they will indeed close my account to new charges. I am seeking CFPB 's help in having EN truly closing my account.",,Consent provided,Web,2016-12-02,Closed with explanation,Yes,Yes,CR2233829,4463
2016-12-02,Credit card,,Billing disputes,,I got charged XXXX for subway twice on my card and I called the bank and have them to remove it and they refuse and told me I need to call subway and subway would n't help me or corporate office would n't help to and that XXXX is been pending on my account for two days. Now I 'm trying to pay my credit card bill,,Consent provided,Web,2016-12-02,Closed with monetary relief,Yes,No,CR2234088,1886
2016-12-02,Credit card,,Billing disputes,,"My sister in law was homeless and broke, owed $ 700+ to a XXXX. My wife decided to get her stuff out of storage and negotiated with the XXXX to pay {$100.00} to get the stuff out and settle all accounts. My wife put the {$100.00} charge on our Eagle National Bank credit card They loaded up a pickup load of stuff and moved out. When we got our credit card bill there was an additional charge of {$400.00} on the card, made 3 days later, without our approval. We protested the charge to the credit card company, telling them that we authorized the {$100.00} charge but did not authorize the additional {$400.00}. They eventually told us that the charges were valid because we had given the XXXX place our card number and a family member was involved. We told them that we had in good faith authorized the first charge, but not the second and that they should back us up. I also told them that by that logic if I bought a {$20.00} clock from Target on Monday, that they could then charge a {$200.00} item to me several days later. They will not do anything to correct this.",,Consent provided,Web,2016-12-02,Closed with explanation,Yes,Yes,CR2233908,655
2016-12-02,Credit card,,Billing disputes,,"This is for Eagle National Bank credit card. The dispute case ID is XXXX. On XX/XX/2016, I purchased a {$400.00} XXXX gift card on XXXX using the credit card. Upon receiving the the mail, it was just a piece of paper with numbers in it. I tried to use it in the store, it was showing {$0.00} balance. I was scam by the seller. I dispute the charge with the credit card company. It came back few months later denied the dispute. I want to appeal the dispute, however they refuse. They said I need to have XXXX to have a statement showing where and how the gift cards were used. XXXX will not give that information out. Only the seller who if he/she have the receipts for the gift card can have that information. I do not have that information as I am the buyer. Eagle National Bank does n't care. They would n't do anything. Bad company! This need to be adjust!",,Consent provided,Web,2016-12-02,Closed with monetary relief,Yes,No,CR2233487,13539
2016-12-02,Credit card,,Other fee,,,,Consent not provided,Web,2016-12-02,Closed with explanation,Yes,Yes,CR2232609,3622
2016-12-02,Credit card,,Other fee,,,,Consent not provided,Web,2016-12-02,Closed with explanation,Yes,Yes,CR2233481,2617
2016-12-02,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Servicemember,Consent not provided,Web,2016-12-02,Closed with explanation,Yes,No,CR2231881,1276
2016-12-01,Bank account or service,Checking account,Problems caused by my funds being low,,"EXCESSIVE and ABUSIVE FEES : We are customers of Eagle National Bank and made a XXXX purchase yesterday at XXXX. We did n't have much of a balance in the account in the first place as it 's not our primary checking account. That said, we forgot to enter the transaction in our register last night, which caused our account to go into the negative XXXX. We would have gladly taken care of the issue this morning after checking our online accounts and when we did, realized that Eagle National Bank charged us a {$35.00} NSF for a XXXX negative. I called and they refused to reverse the fee. Once I advised that I would be filing this complaint, I was escalated to a supervisor. I waiting an additional 20 minutes on-hold and was finally told they would not reverse the fee. I should also point out that Eagle National Bank has excessive hold times when calling in, as they have failed to hire sufficient staff, to serve it 's customers.",,Consent provided,Web,2016-12-01,Closed with monetary relief,Yes,No,CR2231355,6052
2016-12-01,Bank account or service,Checking account,Deposits and withdrawals,,"I made a mobile deposit of a check. I was later informed that the check had previously been deposited the day before to some other account, which was not mine and the deposit was reversed. This is impossible. So then I brought the paper check, which I had saved. I was told that since I had the paper check, this was considered a legal document and that I would be credited the amount in question, which was {$160.00}. Then the credit was again reversed, citing the same issue, which I believe is some bizarre bank error. At my bank 's request, I worked with the person who issued me the check and they shared account information showing that the funds had been debited from their account. My bank then asked me to ask the check issuer to contact his bank and request they write a letter to my bank to open an investigation. This of course did not happen, despite all request being made. Now my banking institution, Eagle National Bank, refuses to open an investigation into my lost funds.",,Consent provided,Web,2016-12-01,Closed with explanation,Yes,No,CR2231388,1363
2016-12-01,Bank account or service,Checking account,Using a debit or ATM card,,"My Eagle National Bank card has XXXX fraudulent charges. My bank told me that I need to file a police report to continue their investigation to get the charges reversed on my account. I was told that you would subpoena the footage from the ATMs where my card was charged. There are XXXX different transactions. 

XXXX XXXX XXXX {$480.00} at the XXXX ATM # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX ATM XXXX XXXX XXXX XXXX XXXX XXXX Those XXXX transactions was not me. It could not have been me because on XXXX XXXX at XXXX I was at my college, XXXX. And on XXXX XXXX at XXXX I was at work. 

I filed a claim first and it was denied by Eagle National Bank, then I filed a police report and my claim was denied again. Now I am filing a complaint here.",,Consent provided,Web,2016-12-01,Closed with monetary relief,Yes,No,CR2231138,789
2016-12-01,Bank account or service,Checking account,Using a debit or ATM card,,"XX/XX/2016 my wallet was stolen along with my debit and credit cards. There were fradulent activity on my debit card first and my other bank called me up to notify me. I had similar charges/activity in my Eagle National Bank debit and credit card but they never flagged it. I immediately cancelled my debit card and credit card. But that did not stop. On XX/XX/2016, the thieves withdrew XXXX money from the ATM and also cashed out a check for XXXX $ from the same account which was already overdraft. My EN credit card was linked for overdraft protection and it kicked in but currently I am not only charged the XXXX $ but also charged interest. To make it worse, I am in the process of buying a house and my credit score is getting hammered because of these huge overdraft fees. I feel EN was pretty clueless about fraud detection. Every time I called up, they had something missing from the Notes. Also I was put on hold for a very very long time. I even went to a regional branch and they could not help me. I spend almost 2 days ( taking off 2 days off work ) to solve this issue. EN should have blocked this account knowing that my ID was stolen too ( I had mentioned that I have a police report regarding the stolen wallet ). I am not only losing my peace of mind but also my work hours. This is more than frustrating. They were pretty careless about my account. I do n't see myself doing any business anymore there. I had accounts with them for 10 years.",,Consent provided,Web,2016-12-01,Closed with monetary relief,Yes,No,CR2231011,4694
2016-12-01,Credit card,,Billing statement,,"Describe what happened so we can understand the issue ... 
I paid XXXX bills at Eagle National Bank on the XXXX. I paid through their online billpay service. XXXX was the closing date for the month. Eagle National Bank credited the XXXX payments for XXXX although I was paying XXXX bill as presented on bill pay. The next day I receive XXXX more bills for XXXX. I called on XXXX and I was told that they could n't switch the payment over to XXXX and that it would be "" much more complicated than that ''. The whole process will take 5 additional business days ( with weekends that is 9 more days ). They would now need to credit the XXXX payments back and I would need to repay them again. The whole process would take several days in addition to me providing my checking account and routing numbers over the phone to a complete stranger. I asked to speak to a manager and continue to be on hold for the manager. I do n't want to lose the days of interest as they are figuring this out. I also paid the bill online and was told "" never to pay my bill on the closing date ''. I held for the manager for another 10 minutes and was told the same thing. I paid my bill that was presented to me for XXXX online. It showed the minimum balance due. I then received XXXX more bills for XXXX the next day. I do n't want to wait 5 business days more to refund for a payment that was made 3 days prior. That is 8 days of additional interest. Both reps. at Eagle National Bank can not just credit the payment for XXXX? 
Consent to publish the description of what happened? Consent provided Issue Billing statement Date of incident XXXX/XXXX/2016",,Consent provided,Web,2016-12-01,Closed with monetary relief,Yes,No,CR2230353,3338
2016-12-01,Credit card,,Other,,I made my regular payment on XXXX/XXXX/2016 of {$50.00} and Eagle National Bank went in again the next day without my permission and drafted another payment without my permission of another {$800.00} plus over draft charges of {$27.00} per day therefore to date this amount is {$160.00} plus another {$27.00} each business day until they reimburse my checking account at XXXX XXXX XXXX XXXX XXXX!,Older American,Consent provided,Web,2016-12-01,Closed with monetary relief,Yes,No,CR2231688,1411
2016-12-01,Credit card,,Customer service / Customer relations,,"I opened an XXXX Mileage credit card issued by BankofAmerica on XX/XX/XXXX. The welcome bonus is XXXX miles + {$100.00} credit after {$1000.00} spending in the first 3 months. I checked with the customer service on XX/XX/XXXX and the CSR told me that I met the spending requirement and the bonus should be posted in 1-2 billing cycles. The CSR also help deal with some wrong fee charges. I also checked that the total charge on my account since XX/XX/XXXX is over {$1000.00} and I think I am good to go. However, I checked with customer service earlier today to see the status of my bonus and was told that I did n't meet the spending requirement and the info provided to me last time is wrong. The difference is from the annual fee charge and it does not count towards the spending requirement. While I agree with that, I find it not acceptable for the CSR to provide me misleading information in the first call and the wrong information caused my failure to meet the spending requirement in time ( I have another few days to meet the spending requirement if I was told the correct information during the first call ).",,Consent provided,Web,2016-12-01,Closed with explanation,Yes,No,CR2228711,2394
2016-12-01,Bank account or service,Checking account,"Account opening, closing, or management",,"Attempted to close an account with Eagle National Bank that I 'd opened several years ago. Was told over the phone in approximately XXXX that I 'd either have to go the branch I opened the account in ( not feasible due to distance, I 'd since moved 3k miles away ), or that I should zero out the account and they would put a note in the account to close it once it was zeroed. A few weeks later, I transferred the money out, zeroing my balance. I received a paper letter from them in late XXXX, but assuming it was the notifier of account closure, I did n't open it until yesterday ( XX/XX/XXXX ). They did not close the account, they left the account open, then assessed low balance fees and returned ACH fees against the account, and then charged it off after being less than two months in arrears. They made no attempt to contact me beyond the paper letter dated XX/XX/XXXX ( I believe ) before doing so.",,Consent provided,Web,2016-12-01,Closed with monetary relief,Yes,No,CR2231347,3704
2016-12-01,Bank account or service,Checking account,Deposits and withdrawals,,"On Saturday, XX/XX/2016, I deposited a cashier 's check issued by XXXX XXXX, in the amount of XXXX XXXX in my Eagle National Bank branch in XXXX XXXX, NJ. Days later, XX/XX/2016, Eagle National Bank sent me a FOREIGN COLLECTION ADVISE stating, among other things, that "" your account will be credited the then current exchange rate less our fee of {$17.00} and any fees assessed by the Foreign Bank. '' The XXXX XXXX was finally credited on XX/XX/XXXX at an exchange rate of XXXX, for a total of {$39000.00}. This was even confirmed in writing in a CREDIT ADVICE dated XX/XX/2016. 

Clearly, the rate of exchange applied by Eagle National Bank was lower than what the XXXX-Dollar rate has been for the entire month of XXXX, ranging from a low of XXXX on XX/XX/2016, to XXXX on XX/XX/2016. On XX/XX/XXXX, the rate of exchange XXXX-Dollar was XXXX, as reported by financial websites. 
As I see it, Eagle National Bank willfully miscalculated its conversion in order to benefit from it. To hear its XXXX Branch Manager, XXXX XXXX, argue the case that EN buys "" in bulk '' holds no water. It 's pure nonsense and EN must own up to this attempt at defrauding me. 

At the XXXX XXXX-Dollar rate of exchange in effect on XX/XX/2016, the amount of XXXX XXXX should have been converted @ XXXX XXXX less {$17.00} EN fee and {$84.00} Foreign bank fee, as stated in the Credit Advice. After deducting those XXXX fees, {$17.00} and {$84.00}, the amount to my EN checking account should have been {$41000.00}, NOT the {$39000.00} credited. 
Eagle National Bank under credited my account by {$1600.00} I would appreciated your assistance in having the unpaid balance of {$1600.00} remitted to me. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXXXXXXXXXX EN Acct. # XXXX",Older American,Consent provided,Web,2016-12-01,Closed with explanation,Yes,No,CR2232440,3839
2016-12-01,Bank account or service,Checking account,"Account opening, closing, or management",,"When one has an account with XXXX, you can add a debit card, or checking account. If for any reason one account does not get paid, XXXX will continue to attempt a charge. This is fine. However when it hit my bank account with EN, EN hit me with overdraft charges claiming that it was XXXX 's fault. I complained to Eagle National Bank who did not help and whose comment to me was that they had refunded banking charges to me in the summer. This is another situation over which I do n't have control, but my bank account gets slammed. All the banks charge exorbitant overdraft fees.",,Consent provided,Web,2016-12-01,Closed with explanation,Yes,No,CR2231533,3473
2016-12-01,Credit card,,Payoff process,,,,Consent not provided,Web,2016-12-01,Closed with monetary relief,Yes,No,CR2231124,806
2016-12-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-12-01,Closed with explanation,Yes,No,CR2231036,4479
2016-12-01,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Other,Web,2016-12-01,Closed with explanation,Yes,No,CR2232306,3109
2016-11-30,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Hello, I need your assistance as these banks are misleading people with information. I ask XXXX Bank on more then XXXX occasion what credit bureau do they pulls credit score from and I was told they Pull from XXXX. They Eagle National Bank ( EN ) pulled my credit report from XXXX when I was instructed they would only pull from XXXX and I got denied credit because I was mislead. I have been with for years and never had any issues until. I would like for EN to remove the inquire on my credit profile as I did not approve it at all. 

The ask the banker another of time, which credit agency they use and was told the something XXXX I knew there some issue on XXXX that are being corrected, so I would I have never allowed the bank to pull my credit it that was case.",,Consent provided,Web,2016-11-30,Closed with explanation,Yes,Yes,CR2229493,2670
2016-11-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Re : 1. XXXX XXXX ' DBA- XXXX- XXXX ( old Tax Id ) 2. XXXX- XXXX ( NEW Tax Id ) Merchant ID:XXXX My name is XXXX , Co-Owner of XXXX. We are a growing business. In XXXX of XXXX, we decidedtoaccept credit card payments from our clients in an effort to grow our business and be able to competewith larger companies. 
I am writing in hopes to get resolve on a pressing matter regarding our Merchant account and the major Merchant Servicesmistakes that have been going on since XXXX XXXX and still haveNOT been resolved fully. These errors have ultimately cost mysmall business lost income from : 1. Time spent in the bank trying to resolve these issues ( XXXX ) 2. Erroneous overdraft bank fees to XXXX of my company 's bank accounts which have ultimately slowed us down in terms of having an account to place client payments 3. Charges for equipment ( XXXX XXXX mobile ) that we can not use because of Merchant Services issues. 4. Customers who can not use their credit cards have used other vendor to supply their XXXX needs because we can not process credit cards at this time. 5. Numerous telephone calls to my Merchant Services representative ( XXXX XXXX, Bank Managers, and numerous Merchant Services representatives respectively- still with no resolve. 6. Other fees from other credit card processing companies that we had to use because our merchant account has been inactive ( XXXX, XXXX ). Here are the facts about our account:1. We initially opened our first bank account as a DBA ( XXXX XXXX ' DBA- XXXX ) approximately 3 years ago. 
2. In XXXX XXXX, we applied and were issued a Merchant Services account number for the purpose of receiving credit cards from our clients. 3. In XXXX XXXX, we realized we would n't have enough money in our bank account to cover monthly fees. We called Merchant Services and requested they use our personal account ( XXXX XXXX XXXX ) to collect fees. 4. The change was successfully made and fees were debited from our personal account. On XXXX XXXX, XXXX, we changed our business entity from XXXX to an XXXX. We immediately went to the bank to speak with an officer to change over our tax id and open bank accounts soley in the business name. 5. We were successful in opening a NEW business account with the Business Services representative at the XXXX XXXX XXXX, XXXX, GA location. Upon opening the account, our Bus. Svs. Rep contacted EN Merchant Services department to alert them to our account change and update them on the NEW tax id and also NEW bank accounts in which to attach to our Merchant Services account. The process took about 40 minutes to complete. After completion, we were advised to keep our old account open for at least 30 days to be sure nothing else would go through to the account. 6. We complied, yet 2 months later, we found that Merchant Services were still debiting our old bank account which sent it into an overdraft status. Upon complaining ( both in writing and on the phone ) to our Merchant Services representative ( XXXX ) to reverse our mounting overdraft feesfrom EN MerchantServices because it was their mistake that they didnot use the correct account to debit- even though they received the information and confirmed they would make the changes 3 months prior. 7.It took me NO LESS THAN 2 weeks to get a hold of XXXX because it seemed he was n't responding to my matter in what I felt was timely. I went to another branch to try to talk with their Merchant Services representative to get some resolve. They advised that our representative had to fix this. 8. Branch Mgr XXXX tried to reverse {$600.00} in fees but could n't. After she did that and reconfirmed with Merchant Services ourNEW account information, ourNEW account seemed to be fine- that is untilXXXX XXXX XXXX",,Consent provided,Web,2016-11-30,Closed with monetary relief,Yes,No,CR2229771,4400
2016-11-30,Credit card,,Billing disputes,,"Eagle National Bank is threatening illegal collection practices based on them trying to charge illegal fees to my account. They are sending statements that are incorrect, and arguing with me over XXXX. I demand that they remove any late fees and refund my account in full.",,Consent provided,Web,2016-11-30,Closed with monetary relief,Yes,No,CR2229934,67
2016-11-30,Credit card,,Credit card protection / Debt protection,,My EN debit card was lost/stolen. When I realized I called EN who froze the card and issued a new XXXX. The thief was using it around town. I disputed the charges but today EN said no fraud occurred and I am liable for the charges. I am upset that the card I had was able to be used with out a PIN and that they do not believe me that the card as stolen.,,Consent provided,Web,2016-11-30,Closed with explanation,Yes,No,CR2229094,938
2016-11-30,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-11-30,Closed with non-monetary relief,Yes,No,CR2229855,625
2016-11-30,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-12-01,Closed with monetary relief,Yes,No,CR2229255,487
2016-11-30,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-11-30,Closed with explanation,Yes,No,CR2228590,587
2016-11-30,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-11-30,Closed with explanation,Yes,No,CR2228962,547
2016-11-29,Bank account or service,Other bank product/service,Deposits and withdrawals,,"XX/XX/XXXX I went to my local branch of the Eagle National Bank to cash in some cashiers checks we had been holding onto. It was {$14000.00}. I am XXXX and my wife is XXXX and that money is all we had, our life savings. I am a XXXX Veteran XXXX and my wife is also XXXX. 
As we went to cash them the bank said to us that they had to hold them for a few minutes while they called someone. We were told to go home as they had n't received the call back from their superiors. The next day we still had heard nothing from them. We went to the bank again the next morning. The manager, XXXX XXXX, continued to tell us he had to speak to someone to ok our transaction, and that everything was ok .... we just had to wait. On XX/XX/2016 he called us and told us our money had gone to the state. He said he had to send it address unknown because they did n't have our address. We 've been banking there for 14 years! 
I called the California State Controller. It is a law that we are to receive a 30 day notice before the bank can take our property. We did not receive 30 day notice from the bank. 
That is my issue. We did not receive proper notice from the Eagle National Bank on XXXX XXXX XXXX XXXX, XXXX, CA.",Older American,Consent provided,Web,2016-11-29,Closed with explanation,Yes,No,CR2226186,11979
2016-11-29,Credit card,,Transaction issue,,"I am re filing my complaint, previously complaint # XXXX. Eagle National Bank {$3000.00} charge on XX/XX/2016. I feel that my bank did not investigate properly, because I did send them a letter explaining my situation, before the due date, all the facts and a copy of the email that I sent to the company on XX/XX/XXXX requesting my refund, just 3 months after the charges, which they did not respond, just like all the phone calls that they ignored, I tried to get the money back directly from the merchant, but I am unable to reach them. I have been following the process but even my bank that is supposed to protect me is giving me the run around, and taking the merchant 's side, a fraudulent company that scammed me, they sold me services and never answered the phone after I showed them my dissatisfaction. What kind of company does that? 


Eagle National Bank sent me a letter stating that they are unable to assist with my inquiry, they are stating that they were unable to determine that billing error occurred. I want to stress that this matter is NOT a billing error I authorized the charges, but XXXX did not provide the services that I was led to believe I was purchasing. They offered me online services, advertising for my website and training, nothing was done and I can not get them on the phone for nothing. Eagle National Bank is saying that they did not receive documentation stating that I attempted to resolve my dispute, I sent a copy of my email requesting my refund. 


They are also requesting the following : '' a valid second opinion letter, on business letterhead and signed by a second qualified merchant. The letter needed to specifically state that the service performed by the first merchant was n't completed or was done incorrectly, and detail how it was done incorrectly. It should have included the steps needed to correct the work, along with an estimate showing the cost to complete the job as per the original contract or invoice. "" Eagle National Bank is requesting an impossible task. How Am I supposed to find a company that would take this type of liability? Who would do that? I guess Eagle National Bank is a scam just like XXXX, or otherwise they would protect my rights as a consumer, a victim of a fraudulent company that disappeared after I paid them. If XXXX were a legitimate company they would be trying to work something with me, instead of ignoring my requests. They do not have any type of customer service or support. 


Please investigate this charge and help me get my money back. Any assistance with this matter would be greatly appreciated.",,Consent provided,Web,2016-11-29,Closed with monetary relief,Yes,No,CR2226898,2909
2016-11-29,Credit card,,Other,,"We had a collection account for a credit card with Eagle National Bank through XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency. XXXX offered us a {$4600.00} settlement of the debt approved by Eagle National Bank of an original balance of {$6200.00}. We accepted the settlement with the agreement that the debt would show paid in full on our credit reports and no further obligation. We received a letter in writing from XXXX stating that the account will be considered settled and we will not be obligated to pay the remaining balance. Our credit reports were updated ; however, the balance now shows {$1600.00} instead of XXXX as agreed upon. My husband contacted XXXX yesterday, XXXX/XXXX/2016 to inquire about this. They advised that we would have to contact Eagle National Bank. My husband then called Eagle National Bank and inquired explaining the agreement that we have in writing. They informed him that the balance will remain unless we pay it for XXXX to 10 years on our credit reports. He explained the letter we have in writing that says it is settled with no further obligation. They continued to state that the balance would remain. My husband called back a 2nd time to speak with someone else and received the same answer. Based on this response it appears that we were misled and lied to by both XXXX & Eagle National Bank per the agreement.",,Consent provided,Web,2016-11-29,Closed with explanation,Yes,No,CR2228491,273
2016-11-29,Bank account or service,Checking account,Deposits and withdrawals,,"On XX/XX/XXXX I made a purchase from an online business called XXXX & since I 'm a XXXX ( I work for XXXX ) I utilized a website called "" XXXX XXXX ) to initiate a discretionary allotment to have {$43.00} deducted from my paycheck every pay period ( every XXXX weeks ) sent to the financial institution XXXX designated which is XXXX XXXX. however I then learned that the RTN I used to establish my allotment is actually for Eagle National Bank NA. On XX/XX/XXXX, I input the correct data ( again using XXXX XXXX ) and took action to redirect the allotment of {$43.00} per pay period to XXXX XXXX. At th time I THOUGHT I had terminated the erroneous allotment to Eagle National Bank. Unfortunately today I learned that the alllotement never stopped and that since XX/XX/XXXX, {$43.00} has been deducted from my pay & sent to Eagle National Bank ... for no reason whatsoever. 
After, confirming that the correct payment & allotment I input when I changed the deduction to send XXXX their payment was, in fact, input correctly ( this was confirmed by virtue of the fact that I have a remaining balance of {$190.00} on my purchase, I then undertook the task of contacting Eagle National Bank to determine why they were holding onto monies sent via an allotment every into an account that I have absolutely no connection to. I tried to speak with them, providing more than enugh identifying information for myself as well as the RTN, Account number, typw of account and EVEN EACH AND EVERY DATE PERTINIENT TO THE TRASNACTION/ISSUE : 1 ) The date the initial payment was sent ; 2 ) Each and every date a payment was made ; 3 ) ANY date wherein an action of any kind took place ( I was able to do this because XXXX XXXX keeps detailed records pertaining to any inputs and/or transaction that take place associated with my account. 
Despite all this they refused to provide me with any inforation pertaining to the ownership of the account - something that is absloutely necessary for me to know in order to be able to contact the entity holding those monies & have them remitted.",,Consent provided,Web,2016-11-29,Closed with explanation,Yes,No,CR2227689,1857
2016-11-29,Credit card,,Unsolicited issuance of credit card,,"I went into a jewelry store to look at some XXXX watches between XXXX-XXXXm on XX/XX/2015. A salesman talked me into seeing how expensive of a XXXX I could finance. It was a Sunday and I thought "" why not? "". The guy sat me down, and asked me for some credit information. Told me I could afford {$2400.00} of watch to finance. I did not purchase anything at the store and walked out. Shortly after, I received a credit card in the mail - I thought it was a fake promotional card. It was a card from this jewelry store, account opened XX/XX/2015, the same month and the first and only time I entered that store. The salesperson did not have my permission to open a credit card account, and I never knowingly gave my consent for him to do this. I was asked for my financial information under the notion that it would be used to determine my credit worthiness - opening an account under my name was NEVER mentioned. As soon as I received the credit card, I called the creditor to cancel the account. 

I have attached a screenshot from my credit report - the trended data shows that I never used this card. I never had use for it because I was never interested in applying for a card.",,Consent provided,Web,2016-11-29,Closed with non-monetary relief,Yes,No,CR2226745,2185
2016-11-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,Other,Web,2016-11-29,Closed with explanation,Yes,No,CR2227660,11911
2016-11-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-29,Closed with monetary relief,Yes,Yes,CR2228074,4214
2016-11-28,Bank account or service,Checking account,Using a debit or ATM card,,"I got paid and paid my bills over the veterns day holiday long weekend. When I checked my account on that Monday, it indicated that I was overdrawn. After reviewing the charges I noticed XXXX unauthorized charges at gas stations for a total of XXXX. I contacted the bank and they opened an investigation. They are trying to deny the claim. ( XXXX XXXX a small car and it takes less than {$25.00} to fill it up )",,Consent provided,Web,2016-11-28,Closed with monetary relief,Yes,No,CR2225211,2357
2016-11-28,Bank account or service,Checking account,Deposits and withdrawals,,"Someone I do n't know was able to get my checking account number and opened a XXXX account with it, charging over {$1000.00}. Once I noticed the charges ( within 60 days of receiving my bank statement ), I filed claims with my bank and XXXX, made a police report, and contacted the Federal Trade Commission. My bank would only give me back a portion of the money and refuses to reimburse me the remaining {$570.00}.",,Consent provided,Web,2016-11-28,Closed with monetary relief,Yes,No,CR2226152,38
2016-11-28,Bank account or service,Other bank product/service,Deposits and withdrawals,,"While employed at Eagle National Bank, I made contributions to a Health Savings Account ( HSA ) during XXXX. I was fired from Eagle National Bank on XX/XX/XXXX. 
On XX/XX/XXXX I logged on to the Health Benefit Solutions website ( https : //benefitsolutions.bankofamerica.com ) and saw that my HSA account has been charged a "" maintenance fee '' of {$4.00} per month, beginning on XX/XX/XXXX. 

I called Eagle National Bank Health Benefit Solutions, where a representative told me that my HSA status migrated from "" Group '' to "" Individual '' when I was fired, and as an "" Individual '' I was subject to this {$4.00} per month "" maintenance fee ''. This fee supposedly covers expenses for Visa debit card transactions and the mobile app. When I asked to speak with a Supervisor ( XXXX, Agent ID XXXX ), I explained to her that I was never notified of this fee. Moreover, my account has not been "" active '' in terms of generating new transactions, so I see no valid explanation for a maintenance fee over this time frame. XXXX said she was unable to waive the fee unless I had a private wealth management account with Merrill Lynch.",,Consent provided,Web,2016-11-28,Closed with monetary relief,Yes,No,CR2224983,7327
2016-11-28,Bank account or service,Checking account,Deposits and withdrawals,,"On Monday XX/XX/2016 after accompanying my husband to the Doctor in XXXX New Jersey ; I asked him to stop at the Eagle National Bank near our home in XXXX New Jersey so that I could make a deposit into my checking account. However, shortly after we left XXXX office located at XXXX, XXXX New Jersey, and made a left we saw a Eagle National Bank which is located at XXXX, XXXX New Jersey and we said why wait to go to the bank in XXXX by our house when a branch is conveniently situated en route. We arrived at the bank just around closing XXXX pm so I told my husband that I would deposit the funds via the ATM. The ATM is located in the front of bank where there is no parking, so my husband waited in the back parking lot with our pet dog XXXX while I went to deposit the funds. I deposited {$840.00} ( XXXX {$100.00} dollar bills and XXXX {$20.00} dollar bills ) I had planned on depositing {$850.00} but I changed my mind and instead deposited {$840.00} cash. I inserted my ATM card, entered my pin # selected deposit cash, waited for the cash deposit window to be lit with that green light. I then deposited the funds. It briefly returned the cash with a message stating that it was unable to read some of the bills. I re-entered the bills and it said it was processing my funds, then it ask if I wanted a receipt. I clicked yes and it printed out the receipt showing {$20.00} deposited. I waited by the machine for about XXXX minutes to see if my cash would be returned, but instead the welcome screen came on. I went around back and frantically told my husband what had occurred and he said he had just noticed the drive thru was still opened so lets go and inform them. We told them what had happened but in my upset state I said I had deposited {$850.00} instead of {$840.00}. In any case the teller at the drive thru ( and I did not get his name ) made a copy of the {$20.00} receipt and said someone would call me at XXXX am the following morning. The next day, around XXXX pm a woman called me from XXXX identifying herself as XXXX from the XXXX branch asking me to recount my experience from the prior evening. XXXX then informed me that a claim called a Reg form would need to be filed. I informed her that I was actually at the Eagle National Bank ( located at XXXX. XXXX NJ ) waiting to speak with a bank professional since no one had called me as promised from the XXXX branch where the incident had occurred. XXXX apologized for not getting to me sooner, then informed me that there was no need for me to return to the XXXX branch to file the claim, instead I should do so at the XXXX branch. I then met with a branch employee name XXXX, to whom I again recounted my experience. XXXX basically inferred that she did not believe me, she said if I had deposited a check she could understand but cash she found to be incredible. I informed her that a few months ago, at her branch location I in fact deposited a small check at the ATM ( I dont recall the exact amount ) but it was XXXX plus dollars and the ATM printed a receipt instead showing a deposit of {$5000.00}, I called the bank and informed them of the {$5000.00} error and that incident was cleared up in about 3 days. XXXX filed the Reg form and I am still waiting for a response. I am filing this dispute with CFPB because I know that Eagle National Bank employees do not believe that the ATM ate my cash. I am not asking for any provisional funds I just want my hard earned money that I deposited on XX/XX/2016 via ATM.",,Consent provided,Web,2016-11-28,Closed with monetary relief,Yes,No,CR2225480,1986
2016-11-28,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Periodically Eagle National Bank does not email me nor do they send me a paper statement when my credit card account is due. It happens every three to four months. I call immediately and pay over the phone. I requested both forms of notification from them so this does not happen. I also have my checking account with this bank for many years. They tell me that they will waive the late fee and adjust my account well this month it did not happen so again I have to call them and complain. They give me idiotic excuses. I am tired of this and I seem to think it 's a scam to produce more revenue. If they are doing this to other people that can add to XXXX of dollars. I have other credit cards and I am at 100 % of paying my debt on time. Please .... I am so tired of this and I do n't want to switch banks because they are convenient and I have been with them for years. I am a XXXX year old women who works hard for her money and I will be XXXX if I let them get away with this over and over again. absolutely no problems with any of my other creditors and it 's a card with only {$1000.00} on it. I also have direct deposit with this bank. 
Thank You, XXXX XXXX XXXX Home XXXX Work",,Consent provided,Web,2016-11-28,Closed with monetary relief,Yes,No,CR2226078,3671
2016-11-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-11-28,Closed with explanation,Yes,No,CR2225528,4956
2016-11-28,Credit card,,Other,,,,Consent not provided,Web,2016-11-28,Closed with explanation,Yes,No,CR2224953,2878
2016-11-28,Credit card,,Transaction issue,,,Servicemember,Consent not provided,Web,2016-11-28,Closed with explanation,Yes,Yes,CR2224742,4254
2016-11-28,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-11-28,Closed with explanation,Yes,No,CR2226166,219
2016-11-28,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-11-28,Closed with monetary relief,Yes,No,CR2225905,3835
2016-11-28,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-11-28,Closed with explanation,Yes,No,CR2225298,1217
2016-11-28,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-11-28,Closed with monetary relief,Yes,No,CR2225884,4180
2016-11-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I mailed my electric bill payment check to the power company, and when my next bill arrived, the payment was not reflected. When I checked my bank statement, the check I mailed to them had cleared. I called the power company, they said to bring my bank statement to their offices as they have no record of receiving the check. After taking the bank statement, they requested a copy of the front and back of the check. When I went to the bank for the copy of the check, it was clear the power company did not receive it. Someone had printed my name on the back of the check, and under that wrote "" pay to the order of '' and a name. I immediately asked the bank and their check fraud dept. how this could happen, and no one could seem to give me an answer. They gave me a run around and played word games. They said it appears the check was deposited at another bank then sent to my bank for payment. I asked why did they cash it when it was sent to them for payment, and they responded they did n't cash it, the other bank did but they would try to get my money back for me. I told them this check was clearly not cashed by the power company, so why did they pay the check when it was presented to them when they should have rejected it. They said this is a routine transaction and they do n't question checks presented by other banks. I told them I only want the person/company to whom I make a check payable to be able to cash it, and they told me they would note my account with that information. I took the copy of the check to the power company, who said it was clear they did not receive this check, and I went from there to file a police report. This was on XX/XX/XXXX, and I finally received a "" Fraud Statement of Claimant '' form from the Check Fraud Department with a date on the cover letter of XX/XX/XXXX whick was worded as if I was just now making the report. I do n't understand why they did not send me this form when I made the report on XX/XX/XXXX, because I thought that was what I was doing when I called them from the bank. The cover letter stated, "" Please be advised that the responsibility for accepting an item with an alteration or forged/missing endorsement rests with the bank of first deposit. We will forward your claim to the XXXX upon receipt of a properly executed Fraud Statement. Please complete and return the enclosed Fraud Statement within 10 business days. '' I do not understand how their statement can be legal. I am their customer, and they have a responsibility to protect my funds, which they have not done in this case, and with this statement they are saying they will not do in the future. This statement says they will give my money to anyone who asks for it, and it 's not their problem if they gave it to the wrong person. I do not understand how they are not responsible for paying the "" XXXX '' when they should have rejected this check. I fail to understand this premise, especially since the consumer does not have the ability to discover the "" XXXX '' and has no mechanism to collect this directly from the "" XXXX. '' In this case, the fraud is so blatant that I believe the "" XXXX '' should be criminally liable for accepting this check to begin with, when it was made out to the power company and the individual who presented it was clearly not the power company, and I expressed that to the detective investigating this case. I also think my bank should be criminally liable for not rejecting it and allowing the funds to be paid from my account, as I consider that to be theft by conversion. It took my bank almost a month after I reported this to send me the Fraud Statement to complete, so they are delaying unnecessarily to avoid returning my money, which they should have returned already. I have already closed my account, I just want my money back.",,Consent provided,Web,2016-11-27,Closed with explanation,Yes,No,CR2224437,3667
2016-11-27,Bank account or service,Savings account,"Account opening, closing, or management",,"I opened a checking and savings account with Eagle National Bank. At the time of opening the account I was told that I simply needed to transfer {$25.00} a month from my checking account to my savings account to avoid any fees. Later Eagle National Bank converted m my savings account to a checking account ; -apparently due to the amount of transfers or withdrawals from my savings account over a rolling period. Since the.n I have been charged a monthly maintenance fee of roughly {$12.00} a month since XXXX of 2015. I was unaware that I was being charged this fee until two days ago and when I contacted Eagle National Bank I spoke with XXXX individuals who placed blame on me, questioned my lack of balancing this account monthly and was told they could only refund {$12.00}. I explained to both representatives that I was unaware that I was being charged and did not notice until the day that I called. I explained to them that I originally opened this account as a savings account and was told that when it was converted that they provided ample opportunities for me to be made aware of these changes regardless if I recall them or not. I proceeded to explain that I still have the $ 25 monthly transfer set up and if I was aware that I was being charged I would have just closed the second checking account because I did not need it, I do not have checks or even a debit card linked to that account. I was again told a cookie cutter answer and ina politically correct way was told it was my fault for not noticing this sooner and that there was nothing either representative or their managers could do for me except refund one of the 18 monthly charges that have occurred,",,Consent provided,Web,2016-11-27,Closed with explanation,Yes,No,CR2224098,4567
2016-11-27,Credit card,,Rewards,,"In XX/XX/2016, I made an online request to redeem XXXX reward points for cash. The amount came to {$91.00}. Approximately XXXX months later, I had not received a check. I called customer service to inquire. I was told by them that a check was mailed. I never received it. They then said another check would be issued. As of XX/XX/2016 I still had not received anything. I called customer service again and was told that another check would be issued. As of today, XX/XX/2016, nothing has been sent. I 'm tired of the run around and want the {$91.00} sent to me in the form of a check to my home address.",,Consent provided,Web,2016-11-27,Closed with explanation,Yes,No,CR2224329,4161
2016-11-27,Credit card,,APR or interest rate,,"I haver requested on numerous occasions an interest reduction from Nordstrom Card which I believe is owned by Eagle National Bank. Each time I have requested I am given another excuse as to why I can not be done as previously requested. I was told that "" systems were down '' call us back in 30 days and we will lower it, make on time payments for 6 month and it will automatically be reduced. In my most recent discussion with a senior supervisor from Customer Service I was once again denied. I requested a full transcript from the conversation and was promised I would receive but again I was lied to. The ridiculous interest rate 0f nearly 29 % has prevented me from ever paying off this debt, even worse has caused me to fall behind in other areas. Nordstrom Card is avoiding this issue as they know that they are wrong. Please help me recover the extraordinary fees I have been charged. This bank is ripping many off in the same way I am sure.",,Consent provided,Web,2016-11-27,Closed with explanation,Yes,Yes,CR2224202,1818
2016-11-27,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,Consent not provided,Web,2016-11-27,Closed with monetary relief,Yes,No,CR2224471,4367
2016-11-26,Bank account or service,Checking account,Deposits and withdrawals,,"A wire was initiated by myself to a customer at Eagle National Bank on XXXX XXXX, 2016 for {$20000.00}. The account was not able to accept the wired funds. I was notified the next day that the account could not accept the wire, and XXXX told me to just do a recall request to retrieve the funds. I paid the fee for the recall. I have tried to contact Eagle National Bank, but they will not speak to me. The BofA Customer has taken the wire details and the XXXX number into her BofA bank in XXXX to request that they return my money since it was never deposited into her account, but Eagle National Bank is refusing to return the undelivered funds back to my XXXX account from which the funds were sent. The only update that has been seen was XXXX XXXX, 2016 which said that the request was under investigation. No update has been added since that date. XXXX wire department has reached out to Eagle National Bank multiple times unsuccessfully to understand why a recall process that takes only 2-3 days has not been completed. XXXX recall requests from XXXX have been requested in total and as of XXXX XXXX, 2016, no funds from Eagle National Bank have been returned to me. Eagle National Bank has essentially stolen {$20000.00} of my money and will not return it to me. The XXXX reference number is has been provided for the return recall. The XXXX branch manager in XXXX where my account and the wire was initiated from, has tried repeated to assist me, but has been unsuccessful. The lack of my funds has created a severe financial burden on me and has negatively impacted my ability to pay my bills now.",,Consent provided,Web,2016-11-26,Closed with explanation,Yes,No,CR2223891,1300
2016-11-26,Bank account or service,Other bank product/service,Using a debit or ATM card,,Eagle National Bankn wo n't submit XXXX corrections for credit inquiries to XXXX credit bureau Inquiry XX/XX/2016 and Inquiry XX/XX/2016. This has been an issue since late XXXX. After the first inquiry. Needs to be submitted to XXXX.,,Consent provided,Web,2016-11-26,Closed with non-monetary relief,Yes,No,CR2224133,4697
2016-11-26,Bank account or service,Checking account,Problems caused by my funds being low,,"On XX/XX/2016 I had XXXX dollars in my account. All transactions were processed. I was aware of the low balance, but all transactions were processed. I was going to deposit money the next day. Overnight, EN rearranged all transactions charging me 5 overdrafts to which XXXX trans. were of {$2.00}. Before they have waived the charges. Now they are insulting me for not keeping a straight balance. I do, but they keep rearranging transactions, so i keep falling in a hole and they take a chunk of my paycheck which comes direct deposit. This time, i am not deposit any money until they erase all the illegal XXXX as i counted overdraft transactions. 
I demand for EN to stop rearranging transactions behind customers ' backs in order to collect overdraft fees. This is not the first time. XXXX dollar fee for a XXXX transaction that they caused by rearranging transactions? I will not allow them to take anymore money from my paycheck and child support. I work too hard. I have been with EN for 26 years. They are stealing customers ' money now. I want and need my five overdraft fees removed. That was until XX/XX/XXXX and any after that, then I will deposit money and close my account. Thank you.",,Consent provided,Web,2016-11-28,Closed with monetary relief,Yes,No,CR2224067,3246
2016-11-26,Credit card,,Billing disputes,,"ON XX/XX/2016 AT XXXX I BROUGHT THIS TO THE ATTENTION OF EN MARYLAND 'S XXXX XXXX. HER AND HER BOSS STATED THAT THE ERRONEOUS LATE FEES AND PAST DUE LABEL/HOLD WOULD BE REMOVED, AS I HAVE BEEN MAKING MY PAYMENT BEFORE THE DUE DATE. 

XXXX XXXX : THE PROBLEM IS THAT THE EN SYSTEM OR SOME EVIL, IDLE XXXX AT EN HAS THE PAYMENT I MADE ON XX/XX/2016 COUNTING AS IF IT POSTED ON XX/XX/2016! 

XXXX XXXX XXXX : I do see where a late fee adjustment of XXXX and minimum interest charge adjustment of XXXX were credited to the statement balance on XXXX/XXXX/2016. 

XXXX XXXX : I ALLOWED 48 HOURS FOR XXXX CHANGE TO TAKE EFFECT, BUT THE PAST DUE LABEL HAS NOT BE RECTIFIED! 

XXXX XXXX XXXX : Thank you for waiting. I 'll be with you in just a moment. 

XXXX XXXX XXXX : Upon reviewing your account, I see we issued a refund request have you received your refund? 

XXXX XXXX : HER SUPERVISORS XXXX XXXX AND XXXX XXXX ADVISED HER OF THE EN ERROR AND THEY SAID IT WOULD BE CREDITED!!!!!! 

XXXX XXXX XXXX : XXXX XXXX, upon review, I identified the issue. On XXXX/XXXX/2016, a payment of XXXX post that was applied to your XXXX/XXXX/2016 due date. On XXXX/XXXX/2016, a payment of XXXX was applied to the same billing of XXXX/XXXX/2016 because your account cycles on XXXX of every month. I completely understand your intent were to apply XXXX/XXXX/2016 XXXX payment to the XXXX/XXXX/2016 due date. I can easily correct this by issuing you the refund of XXXX that you made on XXXX/XXXX/2016. At you will, you can easily resubmit that payment. Keep in mind : Refunds can take up to 5-7 business days. 

XXXX XXXX : On XX/XX/2016 AT XXXX EST, I spoke with EN XXXX , WV XXXX XXXX . He stated, on the purported record call, that "" all fees would be removed and that the payment which posted on the XXXX will be counted for the XXXX, and the "" past due '' label will be removed as there is no such thing as paying too early and it is evident that you have been paying at least 1 % of your current total balance due every month, and that the rectification would take 48 hours to be completed. '' Well it is twelve ( 12 ) days later, XX/XX/2016, and the same "" past due '' label and inaccurate amount due claim is still erroneously on my account. As such this will be presented to the Attorney General, XXXX, Consumer Financial Protection Bureau, because Eagle National Bank is no different than XXXX XXXX. You all are only trying to get rich any way you can ... past due label still appears when I login in ... I can not make my next payment before XXXX until this accounting error is removed and rectified first, because it will make everything going forward confusing and that 's what they want confusion.",,Consent provided,Web,2016-11-28,Closed with monetary relief,Yes,Yes,CR2224006,2625
2016-11-26,Credit card,,Other,,"Several problems : Eagle National Bank dropped my grandson 's authorization to use all of my XXXX credit cards and also cancelled the auto payment out of my checking account with no explanation. They denied the use of the cards on several important occasions for no reason. They issued new cards with new numbers for their security not mine. They issued a XXXX card that I never applied for just like XXXX XXXX did to some of its customers. They denied changes when my husband recently died although everything was in joint names and legally either party could do everything to the accounts. They treat me like a new customer after banking with them for over 58 years. They keep making changes to many of my transactions with them without any permission on my part. Their records conflict and when I point out that I have a document from them that shows something different it does not seem to matter. 
Thank you for looking into this matter.",Older American,Consent provided,Web,2016-11-28,Closed with non-monetary relief,Yes,Yes,CR2224197,8327
2016-11-26,Credit card,,Advertising and marketing,,"I opened a Nordstrom card on XX/XX/XXXX16 because the customer service agent at the store said, repeatedly, that I would receive a {$20.00} statement credit as well as a {$20.00} certificate to be used for a later purchase. My husband heard her say this multiple times as well. I did not receive the statement credit, so I contacted their online customer service and was told "" sorry, the agent who told you that was incorrect. '' I said that was not acceptable and that I had been given fraudulent information to open the account ( which I would not have opened if not for the supposed promotion of {$40.00} credit in total ) and the response was to give me the credit, but take away the certificate, so in essence still the same {$20.00} value - half of what I was told multiple times I would receive when opening the account. The sales rep who encouraged me to open the account was very persistent and was clearly getting some kind of bonus for signing me up as she announced it very loudly to her colleagues and also placed a phone call to let someone else know she was signing up a new customer. It is obvious that she is receiving a financial incentive for signing people up, and in my case used false information in order to get me to open up an account.",,Consent provided,Web,2016-11-26,Closed with monetary relief,Yes,No,CR2224106,8096
2016-11-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-26,Closed with explanation,Yes,No,CR2223502,6115
2016-11-25,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank closed all of my accounts, including checking and credit cards, for no reason and without notice. First they deducted {$880000.00} from my checking account, and then locked me out of online banking. Now I have no access to my cash in the checking account, and customer service is unable to help. They gave me a name : XXXX XXXX in Corporate Security. But she could never be reached at the number/extension given. My money just disappeared into thin air!! This is extremely unfair and unprofessional and I demand immediate access to my checking account!!",,Consent provided,Web,2016-11-25,Closed with explanation,Yes,No,CR2223368,661
2016-11-25,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-11-25,Closed with non-monetary relief,Yes,No,CR2223544,251
2016-11-25,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-11-25,Closed with non-monetary relief,Yes,No,CR2223421,1408
2016-11-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-25,Closed with explanation,Yes,No,CR2223319,4718
2016-11-24,Bank account or service,Checking account,"Account opening, closing, or management",,I Made all payments to Eagle National Bank 8 Years Ago And they are Refusing to remove me from XXXX and XXXX A System that want allow you to open any bank accounts they have lied to me over and over stating once its paid they will remove me from these system and have not done Can some one please help me.,,Consent provided,Web,2016-11-24,Closed with explanation,Yes,No,CR2222733,2217
2016-11-24,Bank account or service,Other bank product/service,Using a debit or ATM card,,My debit credit card has been declined at drug stores on multiple occasions over the past 4 - 5 years.The attempted purchases were by my Wife who is buying her medications to treat her XXXX XXXX.She travels 4 hours by car to get the Best prices on her many Meds that she takes..I have complained to this Eagle National Bank several times which has not been successful. My next step after you will be civil litigation with puntative damages to be accessed in time.Eagle National Bank is a Disgrace to all who can not get their lifesaving Meds with their debit card and has had to use Cash for the past 4 years.I demand a federal investigation by the DOJ and this will be forthcoming.,Older American,Consent provided,Web,2016-11-24,Closed with non-monetary relief,Yes,No,CR2221264,956
2016-11-24,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-11-28,Closed with explanation,Yes,No,CR2221777,492
2016-11-24,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-11-28,Closed with explanation,Yes,No,CR2221718,5275
2016-11-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank is tracking my account information and/or expenses and "" packaging '' it as financial planning tool. In reality, the firm is using the information as a UNDERWRITING tool and essentially scoring clients without the their expressed permission or without an application for credit. 
Data that includes information regarding of how and where clients spend their money should not be used unless clients are applying for credit and on a case by case basis. Additionally, how can clients be sure that this information is not being sold?! 
When I signed up for EN Billpayer and to open an account, I never intended for my account information to be used to invade my privacy. I would like for each of my accounts to be viewed in silo going forward.",,Consent provided,Web,2016-11-23,Closed with explanation,Yes,No,CR2219719,2663
2016-11-23,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I had a had care visa card with Eagle National Bank. There was an expense for {$940.00} on XXXX/XXXX/XXXX for a dental charge. I mailed in a copy of the receipt to Eagle National Bank. On XXXX/XXXX/XXXX, I received a letter from Eagle National Bank claiming that they never received my letter which was due on XXXX/XXXX/XXXX and that they are now going to report the amount on a XXXX XXXX form. I indicated that I was not aware that they had not received it and would provide another copy and they indicated that since the deadline had passed there is nothing they can do.",,Consent provided,Web,2016-11-23,Closed with explanation,Yes,No,CR2220826,3510
2016-11-23,Bank account or service,Checking account,Problems caused by my funds being low,,"I mistakenly submitted 4 transactions to my bank account which were denied after my job delayed an expense reimbursement. Not only did they charge me excessive overdraft and finance fees 14 times ( as of now ) for the 4 charges, they would then attempt to withdraw the charge again, causing overdraft and finance fees to multiply. This occurred with a XXXX credit charge of XXXX, a student loan of {$160.00} on XX/XX/XXXX, XXXX of {$61.00} on XX/XX/XXXX and {$9.00} on XX/XX/XXXX. This is predatory and it caused a downward spiral that I was just able to get out of. Had I not had the resources to climb out, I could have been bankrupted.",,Consent provided,Web,2016-11-23,Closed with explanation,Yes,No,CR2221561,2787
2016-11-23,Bank account or service,Checking account,Problems caused by my funds being low,,"on the morning of XXXX XXXX, 2016 I noticed my account was over drawn. I went to the XXXX, CT banking center to make a deposit to bring my account current. I was informed that the banking systems were down in my area XXXX XXXX XXXX, XXXX, XXXX CT, etc ) and was advised to wait until they are back up to make the deposit. Around XXXX I drove back to XXXX XXXX, CT and was advised I can then make a deposit via ATM, which I did. On XXXX XXXX, 2016 I was charged XXXX XXXX overdraft fees. I called customer service and even though they said they saw the systems were down, they would not reverse my fees due to the ATM machines were working ( even though I explained I was advised not to make any deposits as they did not know why the systems were down perhaps cyberthreat, etc ). My complaint is as follows : 1. The fees for insufficient funds are egregious 2. No compassion for their banking system not working 3. Over 10 years of banking with them, they did not care.",,Consent provided,Web,2016-11-23,Closed with monetary relief,Yes,No,CR2221882,412
2016-11-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Unprecedented case. After 30 years working with Merchant Services, Eagle National Bank, XXXX XXXX, the XXXX XXXX VISA/MC bankcard machine we used during the ... craft show, did not capture XXXX of a XXXX day craft show resulting in lost revenue ( cyberspace ) of approximately {$9700.00}. Our XX/XX/XXXX show ran XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX Tuesday through Saturday. On Wednesday, our credit card machine ( always set to work offline due to poor phone lines at XXXX ) continued to accept customer bankcards from XXXX until XXXX and "" batched out '' properly. However, the batch report seemed rather odd indicating a bankcard entered at XXXX and the last XXXX batched out at closing. We immediately notified XXXX XXXX Merchant Services through B of A XXXX. It has been 14 days now and our {$9700.00} remains 'lost ' in cyberspace. Merchant research department, technical department, B of A president in XXXX, XXXX XXXX top leader, XXXX XXXX XXXX office, XXXX and more reps are all unable to locate our funds. They do not know what to do. We are now asking for our {$9700.00} to be put back into our account so that we may move forward to pay our contracted vendors. When the bank asked for more information, we provided XXXX signed receipts with individual charges totaling {$9700.00} including a few cards that may have been declined. We were smart enough to capture phone numbers from XXXX customers per receipt ... but we do not feel it is our job to have to invoice each customer as the bankcards were never declined ... they were simply 'no where to be found '. Eagle National Bank should refund our lost/stolen money and take care of collecting from the customers themselves. It has been 14 days now and the lost authorization receipts have a shelf life of no more than 30 days. Where is our money? Why is B of A shrugging their shoulders and not helping us? We feel, as small business owners we are being treated unfairly when compared to the bigger guys. We are the XXXX ' trying hard to sling our voices towards XXXX ... .Can anyone help us?????",Older American,Consent provided,Web,2016-11-23,Closed with explanation,Yes,No,CR2220425,2041
2016-11-23,Bank account or service,Checking account,"Account opening, closing, or management",,"Hello, Please accept this as a formal complaint against Eagle National Bank , NA. Reason being, I have made several deposits leaving my account in a positive status. I even check my bank account before I use my debit card. As of today, I have been charged XXXX in overdraft charges in XXXX and an additional XXXX in overdraft charges in XXXX. 
I believe that this is a bank error based on the following : 1 ) my check deposits are now taking 2 business days to clear when they use to take 1 business day. Also, I have not received any notification regarding changes to their clearing house. 
2 ) the first {$100.00} available per deposit is NOT being honored by the bank. I would like the XXXX refunded to my business account XXXX as soon as possible.",,Consent provided,Web,2016-12-13,Closed with explanation,Yes,No,CR2219858,3565
2016-11-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-23,Closed with explanation,Yes,No,CR2220246,8678
2016-11-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-23,Closed with explanation,Yes,No,CR2221579,269
2016-11-22,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank falsely used their "" right to offset '' to pull funds from another b of a account XXXX to XXXX after the over drawn balance was offset using this same manner. every representative gave me wrong information, or information that could not be verified. i was told the funds were used to cover a check that was actually returned.",,Consent provided,Web,2016-11-22,Closed with explanation,Yes,No,CR2220390,2037
2016-11-22,Bank account or service,Savings account,Deposits and withdrawals,,"Eagle National Bank has now stolen 2 times from my family in 2 months. We were told that the accounts that we opened would never have any fees for any reason ever, but now I am seeing XXXX withdrawals for {$12.00} each. 

Postdate : XXXX/XXXX/2016 Amount : XXXX Type : Bankcharge Description : MonthlyMaintenanceFee Merchantname : MonthlyMaintenanceFee Transaction category : Finance : ServiceCharges/Fees",,Consent provided,Web,2016-11-22,Closed with monetary relief,Yes,No,CR2219716,3234
2016-11-22,Bank account or service,Other bank product/service,Using a debit or ATM card,,"Eagle National Bank reversed fees that were charged to my account by XXXX. There was a world wide computer glitch on XX/XX/2016 the day my child & I were scheduled to travel. I had travel insurance from XXXX. Which is a {$100.00} rip off. It claims to compensate the traveler for lost luggage, delays etc repatriation, up to {$25000.00} but it is pointless to buy as they could not help me at all. I bought tickets for myself and my child to fly from XXXX to XXXX because her father is in XXXX. The glitch happened as we were at XXXX airport & no one called us to say it was impossible to change the tickets. It is XXXX, we have a negative {$800.00} account & it seems Eagle National Bank will not look at the internet to see that there REALLY WAS A WORLD WIDE computer glitch that caused XXXX a serious problem, and that travelers are getting refunds.",,Consent provided,Web,2016-11-22,Closed with monetary relief,Yes,No,CR2219339,3647
2016-11-22,Bank account or service,Checking account,"Account opening, closing, or management",,Eagle National Bank stated I misused there account. There is no proof of that I was still trying to get my balance caught up and simply fell on hard times. Now that I am back on my feet due to lack of respect and discrimination I can not get a bank account. I would like proof of the alleged allegations. I never intended for the bank account to get closed my fianc a the time tried to send money to account and to no prevail succeeded. I tried to open a new account with regions only to find out Eagle National Bank contacted early warning signs to put a alert out for me. I feel like I was profiled discriminated against and never was warren about the account being closed,,Consent provided,Web,2016-11-22,Closed with explanation,Yes,Yes,CR2220203,4650
2016-11-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I had over paid on a Eagle National Bank credit card that I had done once before and transferred the over payment back into my checking electronically ( from B of A to B of A ) however B of A decided to charge me a cash advance fee and charges on my own money. I Called B of A and complained to where they finally refunded the fees and said to call in next time and make the adjustment manually to avoid the charge. Well it happened again, I called in being bounced around until she would make the correction. I checked my account and the overstatement was gone from my credit card but no deposit to my checking. Called again and this time the customer service rep. said that for some reason there was a check drafted instead of the direct deposit being made. She stated the records indicated that it was to be a direct deposit as I had said and commented how dumb it would be for me to request a check just to put it right back into the bank, also I commented on how I would never do that because USPS and does n't always deliver the mail and quite often we never receive it. She claims she put a stop payment on the ghost check and made a request for the electronic deposit and would have her supervisor call me on Monday for verification of the deposit. This call was on Friday and I watched all weekend long for the cancelled check to show in the mail and /or the deposit to my checking. Come Monday I checked again and still no cancelled check, no deposit and no call from any body. So I placed another call to B of A and asked for a supervisor. This lady was no help at all. now she says that it could take up to 5 to 15 days for me to get my money. This is the last straw. If I messed around and played games with their money I would be charged penalties, fees and interest.I am on social security and have n't received a descent increase for the cost of living in a long time. I now want to charge them interest and late fees and damages. I 'm at risk now on being late with a payment or two because of their greed. I have told each and every person that I spoke to that the call is being recorded just as they record me. I am seeking help in this matter urgently. 
The option below dosent cover my situation. It 's Checking and credit card issues XXXX XXXX vs Eagle National Bank","Older American, Servicemember",Consent provided,Web,2016-11-22,Closed with monetary relief,Yes,No,CR2220356,1294
2016-11-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I have a XXXX account for a XXXX - XXXX. We received an award from the Department of Justice and I submitted an XXXX form to have funds electronically deposited. The DOJ tried to confirm the account with Eagle National Bankn and got no response over a 2-month period. They called me with this problem and I went into the Eagle National Bank branch at XXXX and XXXX in XXXX OK to ask them if they would contact DOJ and confirm my account. I met with branch officer XXXX XXXX. She told me that there was nothing she could do and it would have to go through a fax line. She had no other information and did not offer to assist. I asked her for a phone number to a department within EN that could help. She offered no help. I then attempted to contact DOJ while in her office to see if there was a way to expedite a resolution. She got irate, told me that I was "" wasting her time '' and "" to get out of her office ''. She was screaming to get out. My colleague was with me and commented that she did n't need to yell and she then said she was calling the police. When asked what happened to customer service, she yelled "" Shut up! '' I will be closing my account with EN. I would hope no other person trying to get a problem resolved has to interact with this very rude individual who should absolutely not be working with the public. This incident was at the least an unprovoked verbal assault.",Older American,Consent provided,Web,2016-11-23,Closed with explanation,Yes,Yes,CR2217797,9236
2016-11-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,i ordered a file on me from XXXX and found recorded information that i suspect as fraud activity. There are three discrepancies on my file that has a home address that I 've never lived at.,,Consent provided,Web,2016-11-22,Closed with explanation,Yes,No,CR2217746,3564
2016-11-22,Bank account or service,Checking account,Deposits and withdrawals,,The bank received a levy release on XXXX and they have not credited my account yet.,Servicemember,Consent provided,Web,2016-11-22,Closed with monetary relief,Yes,No,CR2220639,6391
2016-11-22,Credit card,,Credit line increase/decrease,,"Eagle National Bank sent notification that they reduced my credit limit from XXXX to XXXX. They cited generic reasons in relation to my credit report ; "" recent delinquency on one or more of your accounts '' and "" insufficient credit history. '' My account was one month past due in the amount of roughly {$50.00}, the entire account balance. Their customer service representative and manager refused to provide me with specific information as to why they reduced my credit limit by {$12000.00}, despite being a responsible credit consumer of their institution since 2003. I have excellent payment history and good credit. I feel that this action is excessive and has a disproportionate impact on my credit score. They refused to send it for secondary review and told me my only recourse was to request a credit line increase, which would further negatively impact my credit score.",,Consent provided,Web,2016-11-22,Closed with explanation,Yes,No,CR2220472,1186
2016-11-22,Credit card,,Credit card protection / Debt protection,,I filed a dispute against Eagle National Bank Credit Card unit because I took my car into a repair shop and they did not fix it and then they tried to change me additional fees to fix the original problem. I sent several documents to Eagle National Bank by fax and they said they did not receive them and the deadline for my dispute was expired. I filed a compliant with your organization and keep in mind the car repair shop issued a letter stating they did not repair the part of the vehicle that I originally requested repaired. Eagle National Bank has put a negative comment of my credit profile in retaliation to the fact that I reported them to your organization. I recently ran my credit and it said the I filed a dispute of resolution. I have a right to contact you and request a fair and appropriate resolution and it is illegal for them to retaliate with the goal of destroying my credit score. I pay all of my bills on time every month.,,Consent provided,Web,2016-11-22,Closed with explanation,Yes,Yes,CR2219961,4191
2016-11-22,Credit card,,Delinquent account,,"RE : Eagle National Bank Credit Card Account # XXXX 1. On XXXX XXXX, 2016, I received an adverse action from XXXX Bank after applying for a credit card. The reason, in part, was that I had XXXX delinquent credit cards on my credit report. 

2. In early XXXX 2016, I found XXXX accounts on my credit report, that should be removed per XXXX XXXX XXXX XXXX which states that accounts with adverse information can not remain on a credit report by more than five years. For background, all XXXX accounts had collections issues in the past, but all XXXX collections issues with each lender were resolved. Each account was closed and marked as paid as agreed. This all occurred over 5 years ago. 

3. In early XXXX 2016, I disputed all XXXX of these accounts with XXXX. ( confirmation # XXXX XXXX 4. By XXXX 2016, XXXX lender removed the adverse information, and a second lender deleted the account from my credit report. However, XXXX lender, Eagle National Bank, would not remove the account. 

5. On XXXX XXXX, 2016, I contacted XXXX to discuss the dispute with Eagle National Bank. I was advised to contact Eagle National Bank by XXXX. 

6. On XXXX XXXX, 2016, at XXXX XXXX, I spoke with XXXX XXXX at Eagle National Bank Collections XXXX I advised XXXX of the situation and Eagle National Bank 's violation of NYS law XXXX XXXX XXXX refused to remove the credit card account from my credit report and instead demanded I pay Eagle National Bank {$39.00} for a closed checking account ( an account I had no recollection of, nor was reporting as a delinquent account on my credit report ). Rather than risk a new credit issue, I paid Eagle National Bank {$39.00} ( even though they provided no evidence that I indeed owed them for this newly discovered debt, nor could they provide details on the account 's history ). I warned XXXX XXXX of my intent to file a CFPB complaint over my experience ; he stated that a supervisor would contact me if they felt I had a valid claim. No one contacted me. 

7. On XXXX XXXX, 2016, at XXXX XXXX, I spoke with XXXX XXXX at Eagle National Bank Credit Reporting Department XXXX I made her aware of the situation and my intent to file a CFPB complaint. I advised XXXX of Eagle National Bank 's blatant disregard for NYS law XXXX XXXX XXXX advised that she would research my request, and 24 hours later, XXXX called me back to state that Eagle National Bank acknowledges my concern but it 's not their responsibility to address this issue. XXXX faulted the credit reporting agencies ( i.e. XXXX, and XXXX ). 

8. On XXXX XXXX, 2016, I started a new dispute with XXXX over the same Eagle National Bank account. I provided XXXX with the updated information and my intent to file a CFPB dispute. ( confirmation # XXXX ) 9. On XXXX XXXX, 2016, XXXX responded to my second dispute and refused to take action. At XXXX, I called XXXX XXXX and I spoke with "" XXXX '' a supervisor with XXXX XXXX She provided confirmation # XXXX for the call. XXXX advised me that XXXX would not remove the account, and that I should contact Eagle National Bank or dispute again. However, as I explained to XXXX, I already dispute the account and Eagle National Bank refused to remove it. 

10. Due to the blatant disregard for NYS law XXXX XXXX by Eagle National Bank, I am filing this complaint. While XXXX, and potentially other credit reporting agencies may also be responsible for this violation, I 'm initiating my first complaint against Eagle National Bank. 

I would also like to add, I feel extorted by Eagle National Bank. After attempting to resolve an illegal credit reporting action, they forced me to pay them {$39.00} for a checking account I had no recollection of. Moreover, they never resolved my original issue ( the removal of the credit card account ). 

I appreciate your help in this matter. Thank you.",,Consent provided,Web,2016-11-22,Closed with explanation,Yes,Yes,CR2220664,2623
2016-11-22,Bank account or service,Checking account,Deposits and withdrawals,,"I accidently sent XXXX to a closed account at Eagle National Bank. I immediately tried to reverse and was told by Eagle National Bank my account I sent from would be credited by EN. This happened XXXX XXXX, 2016 and I am still awaiting a positive response from EN. I have provided the tracking number to them from my "" send '' account with no reolution bt EN. I am at a loss",,Consent provided,Web,2016-11-22,Closed with monetary relief,Yes,No,CR2219172,1778
2016-11-22,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a new Checking account at EN Bank online. 
Checking XXXX XXXX On Thu XX/XX/2016 I deposited {$5000.00} from a personal check, at the XXXX NY branch. 
I asked when it will be available, the teller who said to be a supervisor said. {$100.00} now the remaining on Friday. I told this is a new account and I am funding it with it and need to make payment, to which he replied not to worry, I can make payments right away on Saturday. 
Till now the money was not credited. My XXXX account was debited right away. EN Bank refuse to make good as per their policy of new accounts. 
I asked to have the money returned right away in Cash or bank check or credit it to the account. I met with refusal. EN Bank is fraudently holding my money, the same way a thief is punished from stealing, the same should be when a business still and this case their XXXX. 
XXXX, a XXXX of online banking refuses to escalate the call, I asked for their counsel so may bring action in small claims court or an address and refuses to provide. 
I also wanted to open a joint account and was unable to do so online, now they want me to come to a branch with my spouse. Like we work for them, nowhere was indicated in their website of such, just the opposite, it can be done-",,Consent provided,Web,2016-11-22,Closed with non-monetary relief,Yes,Yes,CR2220312,12328
2016-11-22,Credit card,,Other,,,,Consent not provided,Web,2016-11-22,Closed with explanation,Yes,Yes,CR2220248,4761
2016-11-22,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,Other,Web,2016-11-23,Closed with explanation,Yes,No,CR2219153,6363
2016-11-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-22,Closed with explanation,Yes,No,CR2220183,4086
2016-11-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-11-22,Closed with monetary relief,Yes,No,CR2219708,2794
2016-11-22,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-11-22,Closed with explanation,Yes,No,CR2219296,1101
2016-11-22,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,Consent not provided,Web,2016-11-22,Closed with explanation,Yes,No,CR2217807,2167
2016-11-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,I did a refinance on my home and included my Eagle National Bank credit card to be paid off in the refinance. I gave the mortgage company a copy of my current statement to be able to pay the account in full. They did pay the amount that was listed on the statement as New Balance Total by the due date. Now Eagle National Bank is charging me additional interest from the monthly closing date till the date the account was paid supposedly in full. How can they charge interest above what they have referred to as New Balance Total when it is paid before due date. I have never had another company charge interest if the account was paid in full before the due date. It makes me wonder how much money the are making off people who have not noticed this and just paid them. One more way to stick it to the consumer. Could you please look into this and get back with me. Thank you.,Older American,Consent provided,Web,2016-11-21,Closed with monetary relief,Yes,No,CR2217319,3393
2016-11-21,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I was victim of a scam. I was contacted through my website by a guy named XXXX XXXX. He wanted to purchase lamps from my store for a XXXX in XXXX and needed me to ship them to XXXX using a shipping company he usually worked with. A guy named XXXX XXXX got in touch with me using a shipping company name from a company that actually exists ( XXXX XXXX XXXX ) and asked me to deposit the shipping costs to assure the freight date. After receiving the money from XXXX XXXX credit card, I made the first wire transfer to the shipping company who had a ( fraudulent ) account on XXXX and began with the production of the lamps. A few days later XXXX XXXX contacted me again, telling me his client from the hotel wanted XXXX more lamps but he needed me to asure the shipping of the XXXX lamps could be done the same day. So I contacted XXXX XXXX to make sure he could book the shipping for the XXXX remaining lamps on the same day. After sending the second purchase order to XXXX XXXX he gave me a different credit card to charge for this order, I had problems charging the complete amount so I called XXXX ( the company who works with Eagle National Bank to provide merchant services ) and explained I was having problems charging the card XXXX had gave me, they told me there was nothing wrong with the card but my average Ticket was to small to make that transaction and actually suggested dividing the transaction in smaller amounts, which I did. This time the shipping company gave me a Eagle National Bank account telling me it would be easier and quicker for me to make a transfer if it was from the same bank. 
A week passed and I was already finishing the lamp production when XXXX contacted me again, he wanted more lamps, it just did n't sound right. He was asking for XXXX more lamps and was not worried at all about the delivery or how the production was going. After making some XXXX research, calling the shipping company and realizing XXXX XXXX did n't work there and that the account he had given me was n't from XXXX, I realized this was a scam and immediately called Eagle National Bank to ask for a charge back for the money I had transfered to the shipping companys account in Eagle National Bank but had positive results, since the account had already been closed and the funds withdrawn. 
Eagle National Bank was not interested in investigating more from the person who opened the fraudulent account with them and told me I had nothing left to do to recover that money. 
I got charged back for everything I charged on the credit cards XXXX XXXX provided and now Eagle National Bank wants me to pay for all the charge backs, blaming me to be the only responsible for accepting a credit cards that ended up being fraudulent, after, I was charged by Eagle National Bank a ridiculous {$660.00} dls of fees for the credit card transactions I did. 
I was the victim here and this criminals used institutions like XXXX, Eagle National Bank and XXXX to commit their scam. 
Its incredible that XXXX never suspected the cards I was given where fraudulent and even helped me figure out how to complete the charges when I was having problems but it is even more absurd that Eagle National Bank has all the information of a fraudulent account that was opened in their bank and has no interest on catching this people and instead are targeting me ( a 2 year loyal customer ) to pay for the complete chargebacks. 
The other problem I am facing now is I got blocked from XXXX services for the chargebacks I received and now Im loosing some sales since I ca n't charge my clients with credit cards.",,Consent provided,Web,2017-01-05,Closed with monetary relief,Yes,Yes,CR2218142,4182
2016-11-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"In XXXX of 2016, I received notice from Eagle National Bank that my Safe Deposit Box, which was free of charge for the past ( 10 ) ten years, would now be assessed a {$63.00} annual fee. Being that I have rarely, if at all used the Safe Deposit Box, I attempted on ( XXXX ) XXXX occasions to close it. With each attempt, I was met with resistance from the Eagle National Bank Branch Personnel. The following are the types of resistance which were presented to me. ( 1 ) "" You must make an appointment and come back at another time. '' ( 2 ) "" You must have a government issued ID. The ID on your Eagle National Bank Debit Card is not sufficient. '' The Safe Deposit Box is empty and all I would like to do is return the keys. I was told if I did not return the keys, I would be assessed a {$250.00} rekeying fee. This is the last account I have with Eagle National Bank, since I have closed my checking account, but I continue to receive notices concerning the {$63.00} annual Safe Deposit Box fee.",,Consent provided,Web,2016-11-21,Closed with monetary relief,Yes,No,CR2217461,9616
2016-11-21,Credit card,,Closing/Cancelling account,,"It all started yesterday when I receiving an email that stated : After careful review, we determined this account needed to be closed, effective XXXX/XXXX/2016. 
We apologize for any inconvenience this may cause. 
I immediately called and was stunned to find out that the email was genuine, and that my account truly was terminated without cause or notice. 

The initial reason I was given was that the account was closed for security reasons due to 6 months of inactivity. That seemed like an easy fix, but the agent was unable to resolve it and had to transfer to another department. There I was asked a lot of questions and was eventually told that they were not going to do anything about it and a letter was coming in the mail. I went on to speak to many different credit analysts, all who asked me a lot off questions and responded with the same answer ... sorry, but you 're not getting your credit line back. 
It was clear that Eagle National Bank had an agenda to steal my {$35000.00} in working capital under false and unethical pretense, Its systematically closing customer accounts for XXXX reasons in order to commit theft. 

And despite my pleading that this would seriously derail my business, and that I may have to lay off employees due to inability to cover payroll, or lose business due to inability to provision for the upcoming holiday seasonality rush ... they could have cared less. 

What makes matters even worse, is that I 've been a customer of this bank for decades ... and have a perfect record with them. I 'm the type of loyal model customer any business wants to have - which each agent I spoke with acknowledged each time. So its absolutely terrifying that if they are steeling from me with a 'whatever ... you 're not getting it back ' attitude as to how this is going to impact my ability to stay in business ... then you have to ask yourself .... Just how many other, smaller guys are they doing this to right now as well ... who are not model account holders with decades of loyalty and spotless records?????",,Consent provided,Web,2016-11-21,Closed with explanation,Yes,No,CR2218554,3771
2016-11-21,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX XXXX i was informed that my account wasfrozen because of fraud that was caused against my account. There was over {$7000.00} around this amount of unauthorized charges. I have called the companies where these charges have been made and reported this to them and they have done investigations of this and issued refunds to my account still i do n't understand why Eagle National Bank REFUSES TO GIVE ME MY MONEY! I have called them i went in the branch and no-one wants to help me i am in need right now and i do n't know what to do the only response i got was you will get something through mail yet no-one has contacted me until now. I have well over this amount of money i have over XXXX as well i have money coming in from my student loans and money from family now i have no access to my funds and Eagle National Bank refuses to give me back the money i need to pay for school and such and now i fear that i will never be able to pay for my school tuition and my other private necessities such as transportation I really need help so Eagle National Bank realizes that XXXX is willing to speak to them and tell them this was all unauthorized and they are issuing me a refund for the money that was stolen by XXXX being over XXXX from them so please i need help so Eagle National Bank Sees this message and returns my money! I am a college student and i need money for daily needs like rent, transportation cellphone bill! I do n't have any access to any type of money since i kept all my money in this account. Please someone help me out and give me honest truthful advice i am very confused and at loss in my current situation. Until this day i still have no answer or money back today is XXXX/XXXX/2016",,Consent provided,Web,2016-11-21,Closed with explanation,Yes,No,CR2217132,1312
2016-11-21,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank debited all my sales amount, close to {$400000.00} and I called merchant services and costumer service as well but they are just giving me run around without any explanation. Its been over a week now and I have not received any return calls from them as of today. Please help",,Consent provided,Web,2016-11-22,Closed with explanation,Yes,No,CR2217557,185
2016-11-21,Credit card,,Delinquent account,,"( This is what I sent to Target on XX/XX/2016 ) To Whom It May Concern : I am writing to correct a negative "" Charge Off '' account listed on my recent credit report. My wife and I have worked very hard to keep our excellent credit history and just discovered a delinquency in a Target RedCard account. The timing could not be worse as we are trying for a home mortgage and this small account has devastated our normal 800+ credit score and will ultimately cost us many thousands in increased credit costs. It is our only negative account. 
I just spoke with XXXX at your customer service center and, in good faith, paid off the account in full even though it was already charged off 11 days prior. XXXX and I discovered that an incorrect address was inputted by the Target employee where we applied for the store card and all account mailings were returned to Target as undeliverable. The target employee never asked me if the address was correct and never took my email address when I applied for the card. My correct cell phone was on the account but was never called. I never received a single correspondence or phone call regarding this store card. 
I demand that this charge off/paid in full account be deleted from my credit report. I accept full responsibility for not contacting Target as to why we were n't receiving an account statement but Target never even bothered to call my cell phone to say there was a problem with the account. I am also contacting the credit bureaus to try and remedy this. Please note my Massachusetts driver 's license and the incorrect mailing address that was used to process my XXXX application. Thank you. 
( The amount we placed on the card was around {$170.00}. I worked with the Massachusetts AG office for weeks but Target refused to removed the charge off from my credit report. Would you please help me restore my otherwise perfect credit history? )",,Consent provided,Web,2016-11-21,Closed with explanation,Yes,Yes,CR2217917,849
2016-11-21,Credit card,,Unsolicited issuance of credit card,,,,Consent not provided,Web,2016-11-21,Closed with explanation,Yes,No,CR2218418,970
2016-11-21,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-11-21,Closed with explanation,Yes,No,CR2216824,4650
2016-11-21,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-11-21,Closed with explanation,Yes,No,CR2218207,4100
2016-11-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-11-21,Closed with explanation,Yes,Yes,CR2218681,414
2016-11-21,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-11-21,Closed with explanation,Yes,Yes,CR2217035,2550
2016-11-21,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-11-21,Closed with monetary relief,Yes,No,CR2217504,7434
2016-11-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XXXX XXXX, 2016 I noticed an un-authorized withdrawal from my business account with Eagle National Bank. The payment was made to XXXX for the amount of {$1100.00} dollars. I notified Eagle National Bank immediately and was issued a temporary credit to my account on XXXX XXXX, 2016. On XXXX XXXX, 2016 I saw another charge paid for the same amount mentioned above for {$1100.00} dollars. I do n't know why Eagle National Bank did not conduct an investigation and protect my account against this fraud after my initial complaint. This unauthorized payment resulted in an overdraft and fees. I did not sign a contract with XXXX, nor did I engage in any self-service activity with XXXX.",,Consent provided,Web,2016-11-21,Closed with explanation,Yes,No,CR2215484,8356
2016-11-19,Bank account or service,Checking account,Deposits and withdrawals,,"The bank did a charge off of a business credit card when the business collapsed and removed any tracking of the debt from my account information ( e.g. web site ). Three years later, the bank reassumed the Charge-off. Without any notification from the bank, that they re-assumed the debt and now wanted to off-set the funds, the bank withdrew the funds from my primary checking account bringing the account to below the minimum amount required for that account. Upon inquiry, the bank claimed that they do n't notify because they do n't want there to be any chance that funds are removed from the account. During that same time, other non-charged off debts to the bank did continue to be paid on time. Other debts that had been charged off were not acted up due to an inability to pay more. The personal bank account had been maintained just above the minimum level required for the account. Because of the bank 's action, it created a situation where I am in violation of the banking agreement based upon the minimum to be maintained in the account thus having additional negative impacts. One such impact is a XXXX flag that the account is below minimum, so that XXXX denies acceptance of any check written. This was discovered upon writing a check to the dentist for which funds were verified available, but XXXX had flagged the account. 

BACKGROUND : in XXXX the company in which I was employed, restructured and laid me off. XXXX. We knew that investment was necessary and obtained a potential XXXX Investor and subsequent XXXX. To assist in obtaining the investment, we had up to XXXX employees working on the intellectual property. Ultimately, the XXXX Investor backed out, and left us in a space where the principals ( myself ) had utilized almost all resources to provide the jobs and create the business. Thus we collapsed the business in late XXXX and worked diligently to make payments on non-charged off debts as best as possible.",,Consent provided,Web,2016-11-19,Closed with explanation,Yes,No,CR2216453,5606
2016-11-19,Credit card,,Billing disputes,,"on XXXX/XXXX/16, Eagle National Bank refused to block any periodic ( every 3 months ) charges to my BankAmericard from an on-line vendor ( a dating site ) that no longer is accessible on-line, and though it has an XXXX phone number, no-one ever picks up the line to allow cancellation of the service and recurring charges. Eagle National Bank only processes disputes of charges already made. This means that every three months I must potentially file a claim and hope for the best. As a result I no longer have control of my finances.",,Consent provided,Web,2016-11-19,Closed with explanation,Yes,Yes,CR2216551,1883
2016-11-19,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank manipulated my account in order to force fees. They placed holds on checks and promised to refund fees related to those holds. They returned payments that should have been good, costing me money with my creditor and showing late payments on my credit report. Additionally, after they learned I intended to get a lawyer, they did n't remove the fees they promised to remove, they did n't properly initiate chargebacks, and they left my account at a negative balance. The following charges should not be on my account : XXXX/XXXX/2016 FEE OVERDRAFT {$170.00} XXXX/XXXX/2016 FEE OVERDRAFT {$70.00} XXXX/XXXX/2016 DEBIT VISA XXXX XXXX XXXX {$99.00} ( Not only was this charge unauthorized, their site advertises a 100 % money back guarantee. Eagle National Bank has refused to initiate a chargeback and.or decided in their favor when I never authorized this charge ) XXXX/XXXX/2016 DEBIT VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} ( Not only was this charge unauthorized, their site advertises a 100 % money back guarantee. Eagle National Bank has refused to initiate a chargeback and.or decided in their favor when I never authorized this charge ) XXXX/XXXX/2016 FEE OVERDRAFT {$70.00} XXXX/XXXX/2016 FEE OVERDRAFT {$35.00} XXXX/XXXX/2016 DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$78.00} ( unauthorized ) I have screenshot text messages where they agreed to remove all fees and this never happened. Once I had to bring a lawyer into it, they did n't initiate the chargebacks after someone got a hold of my card number. They 're being vengeful instead of professional.",,Consent provided,Web,2016-11-19,Closed with monetary relief,Yes,Yes,CR2215745,10798
2016-11-19,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-19,Closed with explanation,Yes,No,CR2216256,4721
2016-11-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,Other,Web,2016-11-21,Closed with explanation,Yes,No,CR2216393,1074
2016-11-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"For years, Eagle National Bank has emailed me personal information on another customer, including full name, home address, last four digits of account numbers, and account balances. There 's no way to unsubscribe, and I 've submitted numerous complaints to XXXXXXXXXXXX and never received a response. I 've also called and talked to their customer service, but they were n't able to do anything.",,Consent provided,Web,2016-11-18,Closed with non-monetary relief,Yes,No,CR2215510,1871
2016-11-18,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,"My name is XXXX I have power of attorney for my mother XXXX. 
she is looking for account # XXXX that was opened in XX/XX/XXXX with XXXX bank, the bank was taken over by Eagle National Bank in XXXX. We went to EN and after a 2 day search they have no record of this. Checked NYS unclaimed accounts, nothing. 
She is XXXX XXXX XXXX and this is very upsetting to her and I we need help XXXX",Older American,Consent provided,Web,2016-11-22,Closed with explanation,Yes,Yes,CR2214869,10566
2016-11-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"On an XXXX flight, the stewardess passed out pamphlets for an XXXX credit card. I took the application and asked about an annual fee. She said there was no annual fee the first year. The first time I used the card they billed me a {$59.00} annual fee. I called "" Eagle National Bank '' and explained I was told the first year the fee was to be waived. Eagle National Bank said they were "" sorry for the misunderstanding '' but the fee stays.","Older American, Servicemember",Consent provided,Web,2016-11-18,Closed with monetary relief,Yes,No,CR2214928,1274
2016-11-18,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,"On XXXX XXXX, 2016 my father died. He had a certificate of deposit with Eagle National Bank. My brother and I qualified as co-executors of his estate and on XXXX XXXX went to a local branch of Eagle National Bank to close his account with our proper identification, a death certificate and letters testamentary issued by the court authorizing us as personal representatives of the estate. We were not allowed access to his account and were told that a "" case manage would contact us within a few days to give us our options ''. I am an probate attorney who regularly closes accounts at various banks in North Carolina and I have never been denied access to an account when presenting the proper documents.",,Consent provided,Web,2016-11-18,Closed with explanation,Yes,No,CR2215812,3777
2016-11-18,Credit card,,Billing disputes,,"I wished to try XXXX product so I used my master card and charged {$6.00} and received a small jar of anti-wrinkle cream instead of lash cream. There was no contact info on anything. On XXXX/XXXX/16 I received an e-invoice from XXXX stating I owed them {$86.00}. I immediately called Eagle National Bank Mastercard and asked if a charge from XXXX was on my bill, the person said no. I explained the situation and was told I could not stop the charge but once the charge was made I could dispute it. XXXX charged my account twice for a product I did not want. I call the Bank and asked that no charges be put on my account for 3 months and was told by XXXX of Arkansas that he could not block the card and to just dispute the charges. I called back and got XXXX from Virginia who cancelled the cards and sent me a new card. I complained to the Bank and at first they took the charges off but after receiving a letter from XXXX, see attachment who said they have a tracking number for the package the Bank put the charge back in the amount of {$170.00}. Why would I want t pay {$86.00} for product that normally costs {$34.00}, see attachment. XXXX might have a tracking number but I never singed anything and did not get the merchandise. Therefore I can not return it.",Older American,Consent provided,Web,2016-11-18,Closed with explanation,Yes,No,CR2216231,9505
2016-11-18,Credit card,,Closing/Cancelling account,,"On XX/XX/2016 I sent a notorized letter by certified mail # XXXX to XXXX, Eagle National Bank,XXXX XXXX XXXX XXXX NC XXXX stating I wanted my Eagle National Bank Credit Card account and the credit I have refunded. It was delivered on XX/XX/2016 Several times I was contacted by EN about closing the account and getting a refund. I answered all the questions, but EN has failed to close the account or refund my money.",,Consent provided,Web,2016-11-18,Closed with monetary relief,Yes,Yes,CR2215046,4815
2016-11-18,Credit card,,Closing/Cancelling account,,Opened a Visa account with B of A XX/XX/2007 and have had impeccable credit history with them since. In XX/XX/XXXX with no reason or forewarning they closed the XXXX credit limit with a {$9700.00} balance owed which reduced my credit score to a non lendable status/ score for a current loan I 've been working on. They also informed all XXXX credit bureaus immediately of this closure without informing me. Complete deformation of my nine years of credit with B of A. Will attach a recent credit report as proof.,,Consent provided,Web,2016-11-18,Closed with explanation,Yes,No,CR2213775,4594
2016-11-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,"Older American, Servicemember",Consent not provided,Web,2016-11-18,Closed with explanation,Yes,No,CR2215972,1062
2016-11-18,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-11-18,Closed with non-monetary relief,Yes,Yes,CR2213470,6359
2016-11-17,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank Have Become Very Inhumane And Their Fees Are Just Unjust! In Less Than XXXX Weeks I Was Charged XXXX Fees Totaling {$490.00}. Some Of These Charges Are For The Same Items - Same Item Charged XXXX Fees ( Fee Charged For Paying Item, Fee Charged For Un-paying The Item And Then A Fee Charged For Overdrawing Account. Called Eagle National Bank And They Were Not Understanding Of The Depressing And Hardship These Fees Have Caused.",,Consent provided,Web,2016-11-17,Closed with monetary relief,Yes,No,CR2212768,899
2016-11-17,Bank account or service,Checking account,Using a debit or ATM card,,"I filed for fraudulent activity on my account ending in XXXX for XXXX. Eagle National Bank only submitted one as fraudulent then went on to reverse the transaction without any explanation or followup. They credited me XXXX - i didnt file a claim for XXXX. I filed a claim for XXXX individual withdrawals for XXXX each. My claim on account was reversed and now is overdrawn by almost XXXX dollars and being charged fees everyday. Not one person has reached out to me and when I tried to contact XXXX XXXX again, left multiple voicemails without a single call back",Servicemember,Consent provided,Web,2016-11-17,Closed with explanation,Yes,No,CR2212720,981
2016-11-17,Bank account or service,Checking account,Deposits and withdrawals,,"Issue 1 - Events : XXXX. There were many fraudulent transfers related to our valid Eagle National Bank Account Number XXXX between XXXX/XXXX/2016 and XXXX/XXXX/2016 : 2. XXXX of fraudulent transactions were of {$3000.00} for a total of {$6000.00} from our account to a XXXX account on XXXX/XXXX/2016 3. There were XXXX refunds of {$3000.00} for a total of {$6000.00} to our account from XXXX on XXXX/XXXX/2016 - XXXX itself XXXX fraudulent transactions. 
4. I have reported to Eagle National Bank on XXXX/XXXX/2016 that I did not make any of these transaction and the next day on XXXX/XXXX/2016 an employee of Eagle National Bank transferred back to the fraudulent account in XXXX this refund depriving us of additional {$6000.00} without my permission - only based on a general comments that I did not make all these transactions. 
5. The same happened with the fraudulent transfer from our account on XXXX/XXXX/2016 from XXXX XXXX that was refunded XXXX/XXXX/2016 and again your bank transferred back this refund depriving us of additional {$54.00} 6. The money after 4 months have never been refunded to me, I, however, received verbal promises with multiple so called escalation including manager escalation after I complained several times but always followed by letters denying the claims and no guidance what to do in the situation of the fraud. 

Issue 1 : Eagle National Bank Interpretation : Since I said that I did not make the refund transactions, Eagle National Bank claim that they had to transfer money back. Can Eagle National Bank employees differentiate between the term of "" transaction '' and "" refund of transaction ''?. Is claiming that "" refund '' of the "" correct refund '' is the bank policy and according to the banking standards? 
Issue XXXX - Summary : Electronic thieves have stolen from our account around {$17000.00} and after asking Eagle National Bank for help, the employee of Eagle National Bank raised our loses to around {$23000.00}. Eagle National Bank transferred to the thieves account in XXXX {$6000.00}. Can you help us recover this money? 
Issue XXXX - Events : There were many fraudulent transfers from our account between XXXX/XXXX/2016 and XXXX/XXXX/2016. Eagle National Bank still have not refunded ( in addition to issue 1 ) the following : XXXX. {$2500.00} transferred fraudulently from our account to fraudulent XXXX Bank account on XXXX/XXXX/2016 XXXX. {$500.00} transferred fraudulently from our account to to fraudulent XXXX Bank account on XXXX/XXXX/2016 XXXX. {$3000.00} transferred fraudulently from our account to to fraudulent XXXX Bank account on XXXX/XXXX/2016 XXXX. {$500.00} transferred fraudulently from our account to to fraudulent XXXX account on XXXX/XXXX/2016 XXXX. The money after 4 months have never been refunded to us but XXXX Bank claims that {$6000.00} is in the closed fraudulent account since XXXX and it is waiting for indemnity letter from Eagle National Bank. 
Issue 2 : Eagle National Bank Interpretation : No cooperation with XXXX Bank and XXXX bank Issue 2 - Summary : {$6000.00} is in the fraudulent account in XXXX Bank since XXXX and with proper guidance and action from Eagle National Bank the money could be recovered long time ago. Can you help us and request Eagle National Bank to write XXXX letter or another appropriate to XXXX Bank and Key Bank? 
There are many more details about our dreadful experience with Eagle National Bank. Neither Fraud Department nor Branch Manager and other representatives in XXXX, NC, provided any helpful guidance for these issues.",Older American,Consent provided,Web,2016-11-17,Closed with monetary relief,Yes,No,CR2213568,1026
2016-11-17,Credit card,,Transaction issue,,Credit Card company paid disputed charges without my consent.,,Consent provided,Web,2016-11-17,Closed with monetary relief,Yes,No,CR2212881,4264
2016-11-17,Credit card,,Billing statement,,"I have a credit card from Band of America and I set up the automatic payment to pay my balance fully every month. But when I checked my statement, I found that from XX/XX/2015, every month there would be multiple payments to my credit card. One is called PAYMENT DIRECT DEBIT - THANK YOU, the other is BA ELECTRONIC PAYMENT. and in most of months, the combination of these payments would exceed my balance, which led to a credit balance in my account. I just called EN and the customer service said one of these XXXX payments was not recognized. But I only set up the automatic payment on EN website. I did n't set up other automatic payment.",,Consent provided,Web,2016-11-17,Closed with non-monetary relief,Yes,No,CR2210724,4651
2016-11-17,Credit card,,Late fee,,"I have XXXX credit cards issued by the Eagle National Bank. I have had them for several years. I set up an auto pay to cover the minimum balance in XXXX but I did not owe any money so the auto pay were refunded to me. XXXX XXXX I started carrying a balance on these cards. Today I noticed that I was being charged a late fee of XXXX dollars even though I have an auto pay set up on both of these account. I called the company and discovered that I have been being charged these fees since my XXXX statement. The auto pay was coming out each month on the XXXX day of the month but my due date was the XXXX day. 
I did not pay attention to my statements every month so I did not notice the charges and call the company until today. I thought it would be a simple matter to get this corrected and get a refund. 
Not only did Eagle National Bank refuse to refund my money they did not tell me how to make my auto pay date and my due date the same to correct future errors. I feel that I have been cheated. The woman I spoke to XXXX XXXX told me this was my fault and my fault alone because I did not pay attention to my statements. She refused to refund me any money even for the XXXX late fee because the fee was due yesterday. Can you help me? I feel that Eagle National Bank knew that my auto pays were coming out of my bank after my due date for many months and that we are equally to blame therefore they should accommodate me by crediting some of the late fees. They do get there payment every month via an auto pay system that even XXXX admits is antiquated and confusing. XXXX apologized profusely "" for the inconvenience '' but refused to return any money or even tell me how to avoid this in the future.",,Consent provided,Web,2016-11-17,Closed with monetary relief,Yes,No,CR2213041,2643
2016-11-17,Credit card,,Rewards,,"In XXXX on Renewal of my EN alaska visa card ending in XXXX I was offered XXXX to not close the card. I accepted the offer, it has been 6+ months and they have not credited the promised XXXX miles to my account. I have called several times and they always promise to post the miles, I have a fairly large sum of money at EN and this has been a big waste of time to try and get what I was promised.",,Consent provided,Web,2016-11-17,Closed with non-monetary relief,Yes,No,CR2213426,2880
2016-11-17,Credit card,,Other,,"Made a payment of XXXX on XXXX to Eagle National Bank, then immediately deleted it and processed a payment for XXXX. The system took the deletion and only showed XXXX payment for XXXX. I checked my account and both payments went through, I called spoke to agent XXXX oper ID XXXX and manager XXXX XXXX ID XXXX on XXXX, explained what had happened. They refused to refund me my XXXX as they stated it would put me over my limit. I informed them why did n't they just decline the charge that was accidently put on by my son while on his honeymoon. He give them the Bk of America card but meant to use a different card. They approved the charge, but wont give me my money back for the payment of XXXX that was supposed to be deleted by their system.I told them I do not have the funds in my checking acct and need it for my husbands upcoming XXXX as he has XXXX. His XXXX is scheduled for XXXX and I can send documentation. I need my XXXX back and it was their system fault not mine that it did not delete the payment, but instead processed both the XXXX & XXXX. Like I said their system indicated that it was canceled. This happened to me last month when I made a on line payment of XXXX & received a confirmation # .I followed up on that payment & called when I saw that it did not post. The agent advised that they had system issues that day & I would need to resubmit my payment. I told her I had a confirmation # but she said that does n't help. So I made another payment for XXXX as I did not want my account to reflect that I did not make my payment. Lo & behold both payments were processed. I called again to no avail ... So that 's twice their payment system has messed up and hurt me financially.. Please help me get my money back, I 'm desperate and broke & will start getting return payments in my checking account. 
Thank you!",Older American,Consent provided,Web,2016-11-17,Closed with monetary relief,Yes,No,CR2214057,1424
2016-11-17,Credit card,,Rewards,,"RE : XXXX mile bonus award for Eagle National Bank Travel Rewards Credit Card The XXXX mile bonus award was not issued in XXXX, 2016. 
I call Eagle National Bank at XXXX on the issue. 
The operator told me the card was activated on XXXX/XXXX/16 and the spending did not meet the {$1000.00} requirement. 
I tabulated the total transaction amount from XXXX XXXX thru XXXX XXXX is {$1000.00}. 
XXXX Statement XXXX XXXX Statement XXXX XXXX Statement XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX Total Transaction XXXX Strictly speaking, the bank computer may have considered the period from XXXX XXXX thru XXXX XXXX as 91 days. Therefore, omit the {$160.00} and the {$10.00} and determined that my spending did not meet the {$1000.00} in 90 days requirement. 
On the back of my mind, I thought I activated the account in XXXX which probably is a mistake on my part. 
I hope that Eagle National Bank will re-consider the case and grant me the XXXX miles bonus award. 
Thanks. 
XXXX XXXX",Older American,Consent provided,Web,2016-11-17,Closed with non-monetary relief,Yes,No,CR2211911,1345
2016-11-17,Credit card,,Transaction issue,,"This complaint is for abusive credit card dispute practices by Eagle National Bank. I purchased a trailer from All Seasons RV in the early summer which included a XXXX. Please examine the uploaded correspondence sent by me to B of A for the full story, which is based on misrepresentation of the XXXX. Misrepresentation of product is a valid basis for dispute for XXXX, and B of A claims they are bound to follow XXXX rules, yet they do n't. 

I filed a dispute for the {$550.00} charged to me for the XXXX for misrepresentation of the product. I had given the salesperson my age, height and weight and explained that I would travel alone, and would only purchase the XXXX if I could handle it without any help. He promised it would be no problem for me to install and set up the tent by myself, which could not be further from reality. Not only was it not possible, but it was not safe. I made multiple requests to XXXX Seasons RV to return the XXXX and get a refund, but was repeatedly turned down. So I filed a dispute with Eagle National Bank for the {$550.00}. I have since experienced the following multiple abusive practices by Eagle National Bank that I want to report to the XXXX and get help with : 1. The amount I gave was entered wrong as {$500.00}. I 've repeatedly requested they correct it to {$550.00}, but the bank has refused to correct. 
2. I am not allowed to speak to anyone in dispute. Whoever is processing my claim is not reading the documents sent. They repeatedly ask for items they already have. I am not allowed to point them to the documents they keep re-requesting. Several of the Claims Agents I 've spoken with have easily located the documents that the Dispute department insists have not been sent. 
3. They sent me a list of requests with a deadline of XX/XX/2016. I went to a B of A branch in XXXX and faxed to them everything they requested on XX/XX/2016 and obtained a successful fax confirmation from the branch agent. On XX/XX/2016 the dispute dept. produced a denial letter stating I missed their deadline ( see all B of A letters XXXX and closed my case. I called and again was denied access to the team on my claim, but the XXXX said they 'd re-open my case and I could re-send everything. This time I faxed the entire packet including the successful fax confirmation sheets to ALL XXXX FAX NUMBERS, and received another denial letter, again refusing to acknowledge receipt of my on-time submission OR documents they requested. Their online upload errored out on all of my files. Sending via XXXX Mail is too slow to rely on. This is clearly their game, and constitutes an abusive practice. 
4. B of A requires me to return the XXXX to the merchant before they will finish processing my claim. It weighs over XXXX pounds, and would cost about {$75.00} to ship. It is clear the merchant refuses to refund my money. B of A is putting me at risk of losing both my money and the merchandise by requesting me to return the item without any written commitment to refund my money upon its return. I 've claimed repeatedly that I intend to return it, however not until I have the protection of a written letter from B of A that upon the return of the merchandise they will credit my account the full {$550.00} and not {$500.00}. They 've refused, and require that I forfeit the merchandise ( that I could sell online ) while remaining at risk of losing the dispute. This is abusive! 

I 've made multiple dozens of calls to B of A 's Claims team for help through their cumbersome, archaic, and abusive dispute process. They ignore documents they 've received ON TIME, and demand an abusive requirement producing such financial risk for me that I can not comply. Please help!",,Consent provided,Web,2016-11-17,Closed with explanation,Yes,Yes,CR2212707,1569
2016-11-17,Credit card,,Identity theft / Fraud / Embezzlement,,"This is my 2nd complaint that I have had to file in the past several weeks about Eagle National Bank, which is a separate issue from my first complaint. For the past few days someone has been accessing my credit card account to update my mailing address and phone number. I live in XXXX, and the individual is updating my address to a XXXX address. I am very concerned about this. I have done everything I can to try to get Eagle National Bank to secure my account. 
I have reset my online profile, had a new card issues, had a security question added to my account. However, for three straight days someone had managed to STILL change my mailing address. The most recent time they requested a new card to be mailed to the address that was unauthorized. I called in early this morning to report it. The individual went right into my account details without asking for the password that I had setup. I brought this to the representatives attention immediately. This is very concerning as it seems that Eagle National Bank is being hacked. I am very concerned that someone has my personal information. I have even setup fraud protection with XXXX, but somehow someone keeps being able to call into Eagle National Bank and change my address for 3 straight days, and then request a new credit card to be mailed to them. Also, my account security does n't seem to be taken serious when representatives continue to release account information without verifying my password when I call in, which I thought this was to protect me. I have been assured by 4-5 different reps that the issue was fixed and this would not happen again. Well, 3 straight days someone has been making changes to my account. I have been a long time customer of Eagle National Bank, but I am scared to continue to do business with them. I do n't mean to keep complaining, but I am fearful that Eagle National Bank has breached my security on more than one occasion now. What is going on with you guys???",,Consent provided,Web,2016-11-17,Closed with monetary relief,Yes,No,CR2213535,230
2016-11-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-11-17,Closed with explanation,Yes,Yes,CR2213193,3303
2016-11-17,Credit card,,Other fee,,,,Consent not provided,Web,2016-11-17,Closed with explanation,Yes,No,CR2212818,4369
2016-11-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-17,Closed with explanation,Yes,No,CR2211622,1452
2016-11-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-11-17,Closed with explanation,Yes,Yes,CR2213054,3887
2016-11-17,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-11-17,Closed with monetary relief,Yes,No,CR2214055,2567
2016-11-16,Bank account or service,Checking account,"Account opening, closing, or management",,Checking account open in my name and I explained to them that account is not mine now I got deninded to open a new checking account at a local bank where I live.,,Consent provided,Web,2016-11-16,Closed with explanation,Yes,No,CR2211056,1462
2016-11-16,Bank account or service,Checking account,Problems caused by my funds being low,,"i had a valid overdraft caused by an oversight on my part. the bank charged a valid overdraft fee of {$35.00}. This fee alone took my account into the negative. Before my next pay arrived, I was charged an extended overdraft fee of {$35.00}. I called the bank to have the fee returned, as it was charged solely due to another fee the bank had charged.they refused to return the extended overdraft fee as it is current bank policy.",,Consent provided,Web,2016-11-16,Closed with monetary relief,Yes,No,CR2212196,3111
2016-11-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have a discharged Bankruptcy from XX/XX/XXXX. 
Included was Eagle National Bank account # XXXX for property address XXXX XXXX XXXX, MI XXXX. 
This account was discharged by a Judge. 
I have requested Eagle National Bank to close the account more than 2 dozen times. 
I have filed XXXX Complaints. 
Engaged their Escalation department. 
Provided copies of my Chapter XXXX Discharge. 
They Continue to send me monthly statements with interest accruals and balance increases. 
They have place notices on the statements stating this is only for informational purposes ; however, have stated on the phone the loan needs to go through its normal process. 
They simply will not close out the account and continue to send sketch statemetns.",Servicemember,Consent provided,Web,2016-11-16,Closed with non-monetary relief,Yes,No,CR2211293,4789
2016-11-16,Bank account or service,Checking account,Problems caused by my funds being low,,I hold a checking account at XXXX california and have been with them for nearly 6 to 7 yrs. now suddenly they say that i hold keep a minimum balance of $ .XXXX/- all the time in my account. this was not the case when i opened the account. they charged me maintenance charges of $ .XXXX/ which on complaining was reversed. I am a XXXX with no income and my children deposit. money into my account when ever i need. I do not take ssi. hence there can not be any direct deposit. hence i feel that such compulsion of keeping balance mimimumm shoudl not be applied.,Older American,Consent provided,Web,2016-11-16,Closed with monetary relief,Yes,No,CR2210974,1970
2016-11-16,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,"I received an insurance claim check drawn on Eagle National Bank ( EN ), and took it to Eagle National Bank to cash it. I am not a customer at EN. They indicated they charged an {$8.00} fee for payroll checks ( it was not a payroll check, but i do work for the insurance company ). The issue i have is they REFUSED to give me the full amount of the check {$1000.00}, AND refused to give me a receipt for the amount of the fee. I am most concerned with the lack of a receipt. There is an issue as to whether it 's legal for the insurer to fail to pay the full amount of the claim, and without a receipt, i can not even prove they charged a fee. I mean, without the receipt, for all I know, the employees were skimming the cash off the top of my check, and lying about the fee applying to my check. For the record - I in no way believe that was what happened, because I can find extensive documentation of the existence of the fee, and the employees were very accommodating, except for being unable to have any way of giving me a receipt for the fee.",,Consent provided,Web,2016-11-16,Closed with explanation,Yes,No,CR2212400,8356
2016-11-16,Bank account or service,Checking account,"Account opening, closing, or management",,"I signed up for a Eagle National Bank consumer checking account XX/XX/XXXX with a promotional offer ( {$300.00} credit when I open an account, set up direct deposit and keep a minimum balance in the account ). I met all the criteria and they are witholding the bonus offer. They state that it 's a "" targeted offer ''. I read the T & C 's on this and it was not targeted, and I was eligible when I went to their website and the offer was on the top of the website for me to click on.",,Consent provided,Web,2016-11-16,Closed with explanation,Yes,No,CR2208727,3446
2016-11-16,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I submitted a dispute with BK OF AMER account Number XXXX. I have never had any affiliation with this debt. My son and my spouse battled XXXX simultaneously and unfortunately loss their battle and seeing the date on my credit report, this debt seem to have occurred during that time. Again, I knew nothing of this debt until viewing my credit reports. I have attached the case number with the XXXX Police Dept an incident report. This account has been on my credit report since 2007, I am asking Eagle National Bank to release me of liability. They indicated that I made some payments. I have never made any payments and was not aware of any payments. I have accountable police reports that I previously reported to the police department in regards to my deceased son 's ex-girlfriend 's fraudulent acts in regards to me and my family that I have no problem submitting and that would be the only way any payments could have been made in which I would like my money returned. I have also attached my property tax document which shows my address in 2007 which is the year on the credit report. I have attached my XXXX XXXX Document which shows my address prior to 2007 and it has my signature. I am not familiar with the address associated with this account that Eagle National Bank has on their application, nor phone etc. Please take notice, that my residences are not the ones on their application. The only reason the company has my address of XXXX XXXX XXXX XXXX is because I contacted them about the account and provided my address. I never signed an application, never received any benefits from this organization. Nor was I contacted because my credit report has a fraud alert and I was not contacted prior to issuing credit in my name. Now this organization is aware of my constant disputing of the debt and Eagle National Bank have submitted this debt to the IRS as a charge off and IRS has sent me a bill for a debt of {$1200.00} in which I am not liable for.",Older American,Consent provided,Web,2016-11-16,Closed with explanation,Yes,Yes,CR2211996,2988
2016-11-16,Bank account or service,Checking account,Using a debit or ATM card,,"My debit card was stolen and used by someone I was introduced to by a mutual friend concerning selling XXXX for my new business XXXX. I trusted my friend XXXX who introduced me to her cousin XXXX who XXXX ( I would later find out XXXX, has several names including XXXX or XXXX, and XXXX has since moved to XXXX ). I was introduced to the gentlemen and he gave me information regarding XXXX in XXXX as well as XXXX services that will assist me in my new business venture. although I ca n't say for sure it was the gentlemen who stole the card, he was the only person close enough to me that day ( XX/XX/2016 ). Anyhow early the next morning I looked online to do an account transfer and saw suspicious activity and immediately began calling Eagle National Bank ( EN ) with the 1st call at XXXX, I will go on to make four more calls to them while desperately trying to find my debit card. As advised by the representative on the phone I go into a EN branch and show proof of identification. I filed a claim with EN for the incident and they credited my account pending an investigation. After they investigated they initially denied my claim stating it was because the individual new how much I had in my account, I then sent proof the ATM machine I used at the same place I met the individual on XX/XX/2016 printed your available balance on your receipt. My account was again credited.. Later I found they denied my claim again stating they did not receive a police report. I had explained that on XX/XX/2016 I called the police and was assured EN could handle it and sent proof I called XX/XX/XXXX on XX/XX/2016 to make the report. EN pushed the issue of the report thus on XX/XX/XXXX after I received proof that The XXXX Police department denied my online report # XXXX and gave me a number to contact them. After contacting the number I was informed that I would have to go to the various counties the card was used from XXXX to Wisconsin and informed EN I did not have the resources to do so. They kept stressing the issue of a police report because they know XXXX Police try to avoid paperwork like the plague. After crying and begging officers at XXXX to file my report via phone calls and a walk-in visit I was finally able to obtain the report and provided that information to EN as well. I 've sent EN pictures sent to me by XXXX to compare with the ATM photos as well as all other documents required of me. On XX/XX/2016 I was sent a statement from EN indicating all my accounts were at a {$0.00} balance so I thought the issue was resolved. I received a statement in late XX/XX/XXXX which was dated XX/XX/XXXX this was after I contacted FDIC who forwarded my information to consumer complaints. The statement dated XX/XX/XXXX stated they found their original finding was correct because they never received any new information from me. I again sent all documents on XX/XX/2016 and never heard from EN again. I recently changed my name with a XXXX account I had for years and found out that EN has sent me to XXXX indicating I owed a balance which I thought was resolved. I contacted EN immediately after I realized this yesterday XX/XX/2016 After being bounced from department to department I was told by XXXX an account manager from XXXX that they made the decision to deny my claim in XX/XX/XXXX, I informed her of the documents I was sent that was dated XX/XX/XXXX that stated my balance was {$0.00} however EN reported a negative balance to XXXX. I offered to send her proof but I was informed that they were going to escalate and resolve the issue by reopening the claim. I asked who could help me because EN keep giving me the run around, I was informed the Executive Relations department could help me after calling on XX/XX/2016 they said they could n't.",,Consent provided,Web,2016-11-16,Closed with explanation,Yes,Yes,CR2212349,3484
2016-11-16,Credit card,,Other,,"Eagle National Bank failed to pay debt promised when I purchased their Credit Protection product for my credit card. In addition, upon submitting my initial claim they increased the Finance Charge on the balance due from a variable 3.99 % -12.99 % to a fixed 24.99 % therefore effectively making any payment they made under their Credit Protection Plan to my account useless in terms of reducing the balance due on my account. Furthermore according to the order from the Consumer Financial Protection Bureau, they failed to reduce the balance due by the amount they charged in fees for their Credit Protection Plan and credit my account the total of those fees. Lastly, they are incorrectly reporting the amount of the initial credit limit to the XXXX major credit bureaus as well as the date of the initial past due amount which causes the statue of limitations to extend past the time allowed under the law for which state I live.",,Consent provided,Web,2016-11-17,Closed with explanation,Yes,Yes,CR2212516,3714
2016-11-16,Credit card,,Billing disputes,,"For the second time, Eagle National Bank turned off the email alerts I normally receive that alert me that my monthly bill is coming due. For multiple months, I did not receive this alert and now my bill is past due. I have more than enough money to pay the bill and have now done so, but I incurred late fees and charges that I should not have.",,Consent provided,Web,2016-11-16,Closed with explanation,Yes,No,CR2211567,5393
2016-11-16,Credit card,,Customer service / Customer relations,,"I previously submitted a claim to CFPB about my denial of SCRA benefits by Eagle National Bank ( EN ). That case number is XXXX. My issue has not been resolved and I feel that the company is just giving me the run-around to avoid dealing with my dispute. 
My original complaint is because I applied for SCRA benefits for my EN XXXX card because I opened the card before I got on XXXX XXXX. I opened the credit card in XXXX XXXX and did n't come on XXXX XXXX until XXXX XXXX, over 2.5 years after opening the card. I am still on XXXX XXXX in the XXXX. I applied for the SCRA benefits on XXXX XXXX. On XXXX XXXX, I received a letter stating my request was denied because the debit must be incurred before the service member entered XXXX XXXX. Which is what happened so I should n't have been denied. I called the EN XXXX Benefits office to dispute the denial and my case was "" escalated ''. I filed my last claim because it was over a week before I heard back on the escalation. I finally received a voicemail around XXXX on my cell phone on XXXX XXXX from "" XXXX '' ( XXXX, ext XXXX ) asking me to call her back in reference to my escalation. I am unable to have my cell phone in my office building so I can not get calls during working hours. I called her back and asked that she call me at work, and gave her my office number. She called me back that evening at XXXX and I just missed picking up my cell. I immediately called her back and got the voicemail again. I made multiple attempts on XXXX XXXX but only ever got the voice mail. I called again on XXXX XXXXand left voice mails asking her to call me after XXXX on my cell. She left me a voicemail around XXXX on XXXX XXXX asking me to leave her a voicemail with the best time to reach me. I had checked my cell after lunch and returned her call and left another voicemail asking her to contact me after XXXX. I have had no other contact from "" XXXX '' since XXXX XXXX. I have left multiple voicemails at the number she gave me but have had no further contact. I have called the military benefits office and asked for assistance in getting in contact with "" XXXX '', but after at least XXXX attempts I have still had no success. 
After my original claim I was contacted by XXXX XXXX XXXX from the EN Regulatory Complaints division on XXXX XXXX and he told me that he would be helping me resolve my issue. After many unsuccessful attempts to contact "" XXXX '' I called XXXX XXXX on XXXX XXXX, and reached a voicemail. I requested assistance in contacting "" XXXX ''. XXXX XXXX left me a voicemail during the working day on XXXX XXXX stating that there was no new information on my dispute. I returned that call, got his voicemail, and asked why "" XXXX '' was contacting me if there was no new information. He finally called me back on the evening of XXXX XXXX around XXXX, but I was driving home from a meeting and was unable to answer my phone. A message was left for me to contact him at my earliest convenience. I called him back the following morning and got voicemail again. I asked that he call me back after XXXX XXXX when I would be able to talk, but got no phone call. 
I have made over 18 phone calls and left as many messages to both "" XXXX '' and XXXX XXXX between XXXX XXXX, and have still yet to talk to person on the phone. My messages have included the best time to reach me, but yet no one has called me during those times and all I can get in touch with is voicemails. I have no one else to contact at EN that can assist because voicemail boxes ca n't give me the person 's supervisor.",Servicemember,Consent provided,Web,2016-11-16,Closed with explanation,Yes,No,CR2211350,6644
2016-11-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-11-16,Closed with non-monetary relief,Yes,No,CR2211231,1373
2016-11-16,Credit card,,Billing statement,,,,Consent not provided,Web,2016-11-16,Closed with explanation,Yes,No,CR2212468,3771
2016-11-16,Bank account or service,Checking account,Deposits and withdrawals,,,,Other,Web,2016-11-16,Closed with explanation,Yes,No,CR2212351,1977
2016-11-16,Bank account or service,Savings account,Deposits and withdrawals,,,,Consent not provided,Web,2016-11-16,Closed with monetary relief,Yes,No,CR2210593,1238
2016-11-16,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-11-16,Closed with monetary relief,Yes,No,CR2211292,4465
2016-11-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-17,Closed with non-monetary relief,Yes,No,CR2212005,255
2016-11-15,Bank account or service,Checking account,Problems caused by my funds being low,,Eagle National Bank reorganized my charges on my account to put a {$38.00} charge at the most recent in order to access me a {$35.00} over draft fee putting em XXXX in my account.,,Consent provided,Web,2016-11-15,Closed with explanation,Yes,Yes,CR2208835,1718
2016-11-15,Bank account or service,Other bank product/service,Using a debit or ATM card,,"Deposited 2 checks at BankofAmerica ATM on XX/XX/2016. Machine jammed with 2 checks stuck inside. Bank did not turn machine off. Bank Teller ( Teller Assist ) told me it would have to be recovered when machine was serviced and to file a claim. Filed claim immediately. 

Machine serviced on XX/XX/2016. Per bank rep, all checks removed and part of process is checking for jammed checks. 

As of XXXX CST XX/XX/2016 Bank still can not tell me if my XXXX checks were recovered from machine. Bank says may take "" up to 45 days '' to determine if checks were recovered or not. By then the machine will have been serviced approximately a DOZEN times since per the bank, this machine gets serviced twice a week. 45 days to determine presence or absence of my checks. If the machine subsequently spit my checks out to the next customer bc the bank refused to turn off the machine, that means some stranger has both of my checks which are endorsed. In that case, I need to rush to have my employer put a stop payment on them. If they DO HAVE them, then why in the world cant they tell me that and move along with depositing them as I instructed. So obviously I need to know asap.",,Consent provided,Web,2016-11-15,Closed with explanation,Yes,No,CR2209679,4099
2016-11-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I HAVE A MORTGAGE WITH Eagle National Bank AND SENTA A FAXED REQUSEST NOT TO PAY XXXX INSURANCE PLOI CY RENEWAL XXXX XXXX 2016 AS I HAVE SECURED A PRIVATE COMPANY TO SUPPLY MY INSURANCE COVERAGE. I WAS INFORME D BY Eagle National Bank THAT THEY WILL PAY ANY POLIC THAT COME IN AS A BILL WHETHER THIE IS A DUPLICATE OR OR NOT. ANY REQUEST TO NOT PAY ANTHING FROM MY ES CROW ACCOUNT IS DENIED THEY WILL NOT DO THIS. DO I HAVE NO RIGHTS TO CHOSE MY INSURANCE COVERAGE AND THE COMPANY I WANT TO DO BUSINESS WITH. 
I FEEL THIE IS MY CHOICE NOT THE BANK 'S I AM THE ONE THAT HAS TO PAY FOR IT. I HAD XXXX FLOOD POLICIES LAST YEAR BECAUSE INSURANCE AGENT DID NOT ACT WHEN I INFORMED HIM THAT I THAT I HAD ANOTHER POLICY. CAN YOU HELP",Older American,Consent provided,Web,2016-11-15,Closed with explanation,Yes,No,CR2209742,44
2016-11-15,Bank account or service,Checking account,"Account opening, closing, or management",,"I have been trying to remove my name from my daughter 's account and the Eagle National Bank has made it impossible. My daughter lives in a different state, the bank said we need to go to any branch together to remove my name. We did this but the bank refused to remove my name because they had no Notary on staff. We called 4 different banks in our area and none of them had a notary available. We have been trying for about 4 months and my daughter has come to CT 9 time trying to get this done. But all the banks said they can not do it. I called the main number explaining the situation and they said they would remove my name. That was about six weeks ago and my name is still on her account.",,Consent provided,Web,2016-11-15,Closed with non-monetary relief,Yes,No,CR2208707,1812
2016-11-15,Credit card,,Customer service / Customer relations,,"Eagle National Bank offers a credit card with cash back. ( Better Balance Rewards ). I met the terms and conditions but due to their programming negligence EN is refusing to honor the bonus. They claim you can use the bonus to pay down your balance but when I did so they said the payment was not programmed "" to COUNT ''? 

I was required to make more than minimum payment. 
My account balance was XXXX. 
I paid my credit card in FULL every month. 

So let me get this straight..I have a Minus credit balance, and no [ payment is due but Eagle National Bank says I failed to meet the minimum payment? How is this possible???? 

The EN card was set up for automatic payments. The cash back was automatically set up to put cash back onto the card. It is YOUR system. Fix it and do n't blame the customer for faulty system logic.. ENOUGH already. Own it.",,Consent provided,Web,2016-11-15,Closed with monetary relief,Yes,No,CR2207076,4923
2016-11-15,Credit card,,Transaction issue,,"I was contacted by an unsolicited telemarketing phone call, sometime in XXXX by a company called XXXX. They offered me a profitable at home business, they would submit my keywords to increase my overall ranking. I paid them {$4300.00} and I signed up with them. Within a few days XXXX, the technician, contacted me with some keywords and also asked if I had keywords I wanted used which I gave some suggestions. In XXXX I was again contacted and XXXX wanted to start my social media and a XXXX video. I paid them {$2500.00} on my Eagle National Bank business card, this is one of the charges that I would like your help to dispute. They contacted me the next day saying that if they could optimize more pages it would help me and this was another {$1600.00} on the same card this is the other charge I would like to dispute, I also paid them. Then in XXXX XXXX was going to design a new website. Needless to say I paid them an extra $ XXXX.In a couple of weeks I was not happy with what I had received from the company and started disputes with my credit card companies to try and get my money back. XXXX contacted me and threatened me saying that they would be starting litigations against me since according to her they had provided with the services they said they would. The next week I agreed to drop the disputes because I did n't want my company to get a bad mark but I was definitely not happy with their services. They have n't done anything since then and I believe they have been stringing me along and they have never had any intentions of actually selling me a legitimate and profitable business. I am out of XXXX, every time they would call me they would ask for more money, stating in order to my business succeed you need this extra service, and I got nothing other than credit card debts, and I need your help to try to recover my money.",,Consent provided,Web,2016-11-15,Closed with monetary relief,Yes,No,CR2210190,4002
2016-11-15,Credit card,,Credit determination,,"My business went bankrupt after the crash of our local economy around 2009. Now that I have a job again, I have been trying to settle my credit card debt with Eagle National Bank but I have found that the banks have written off the debt and will not allow me to settle with them but they also refuse to remove the judgement from my credit report which is giving me a low credit score and keeps me from being able to refinance my home. I am trying to recover financially from this failed economy but the banks that were bailed out are preventing me the consumer from any recovery financially. HELP!!",,Consent provided,Web,2016-11-15,Closed with explanation,Yes,No,CR2210730,2368
2016-11-15,Credit card,,Other,,,,Consent not provided,Web,2016-11-15,Closed with explanation,Yes,No,CR2206345,2626
2016-11-15,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-11-15,Closed with explanation,Yes,No,CR2206315,2180
2016-11-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-11-15,Closed with explanation,Yes,No,CR2210179,2937
2016-11-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"In XXXX of 2015, I contacted XXXX XXXX for tech support on my XXXX XXXX XXXX, over the phone. The representative that answered the phone told me that. XXXX XXXX XXXX and transferred all their customers to them. I did n't question the rep because they answered the XXXX Customer Service help desk ; I was unaware that they had hacked into XXXX phone line. The rep sold me a 5 yr contract for tech support that day. It was a phone transaction. They said they would send a contract via email. They charged my credit card with Eagle National Bank Visa Account number # XXXX. I called XXXX XXXX support for an annual update and servicing and was told that XXXX had shut down. When informed of the closed business, I checked XXXX and found the attached website, where the attorney general in Washington State had sued XXXX for fraud. Eagle National Bank has not refunded the {$370.00} to my Visa Card. Name on Account : XXXX XXXX. Please investigate this to see why a consumer can not be refunded in the case of FRAUD. Thank you. My phone number XXXX in Virginia Thank you for help.",,Consent provided,Web,2016-11-14,Closed with explanation,Yes,No,CR2206122,2874
2016-11-14,Bank account or service,Checking account,"Account opening, closing, or management",,"Please read the two emails below : 1 ) XXXX XXXX XXXX : I would like to inform you than I am totally disappointed with the way XXXX XXXX XXXX has treated me because I am an XXXX descent despite the fact that I have banked with you since 2002 and have had two mortgages with you till this day. 

I have never had a problem with your bank until your fraud department decided to close my account last week ( XXXX ) because one deposited check of {$5000.00} had an irregular signature ( deposited XXXX and I got notified on XXXX ) and they deceived me by telling me that the check will be returned in 5-10 business days. The other bank soon honored the signature and asked that the check be re-presented to XXXX, but XXXX told me on the 14th business day ( XXXX ) over the phone that my check will not be returned. In the notice of XXXX, I was given till XXXX to make my account positive, which became positive by XXXX ( less than 2 weeks ). 

A day after my account was positive on XXXX, Eagle National Bank sent me another notice that my account has been closed. I ran to the bank to speak with XXXX, who told me that there was nothing he could do because the fraud department closed it due to a business decision. He also told me to come into the bank to pay my mortgage, which I have NEVER done before because all my payments are made online. Also, my XXXX XXXX told me today over phone they collected their payments on XXXX, but when I went to the bank today, I was told that my account was closed XXXX and a check had been sent to me. Now, I have to go to another bank to pay my mortgage and car note online. 

XXXX should be ashamed of themselves for treating their customer for over a decade with 2 mortgages like a criminal living in poverty, who now has to walk in like an illiterate to pay his mortgage in the bank instead of online. This was done because I was wiring money to XXXX and I have a XXXX name. If I was white with a XXXX name and I was sending money to XXXX, I am sure I will be treated differently with some level of respect. 

Please respond. Thanks. 

2 ) Thanks XXXX. I have spoken to XXXX twice in the branch about this on XXXX a day after I first got notified about the irregular signature on the check and on XXXX when the fraud department told me over the phone that the check will not the returned despite the fact that XXXX told me that the check will be returned in 5-10 business days. 

I think the fraud department intentionally set me up to close my account because I am on XXXX descent. I spoke to them twice before XXXX and they said I could re-present the check when I get it. They gave me till XXXX in their XXXX notice to make my account positive and my account was positive on XXXX, but they sent me a notice on XXXX ( a day after my account became positive ) that my account is closed. This is racism and it was done because I am an XXXX descent and was wiring money to XXXX. 

Will they close my account if I was XXXX wiring money to XXXX after my account was made positive? Will it take 15 business days to inform me that my check will not be coming back? They strategically delayed me to have evidence to close my account despite banking with XXXX XXXX XXXX since 2002 and with 2 mortgagees. I now have to go to another bank to pay my XXXX XXXX XXXX mortgage online rather than walk into your bank. This is shameful!!!",,Consent provided,Web,2016-12-05,Closed with non-monetary relief,Yes,Yes,CR2206864,2185
2016-11-14,Credit card,,Customer service / Customer relations,,"I am disappointed in my credit card bank service. They held my bank payment for over a week before putting it on my account causing a hardship and didnt want to make it right. 

XXXX the manager in XXXX XXXX refused to make it right. XXXX XXXX was the manager. 

Bank America is the bank. Its a credit card.",,Consent provided,Web,2016-11-21,Closed with monetary relief,Yes,No,CR2206475,1265
2016-11-14,Credit card,,Closing/Cancelling account,,"I cancelled my Eagle National Bank card and paid off my balance, but they still charged me a monthly fee for their Privacy Assist service after I had closed the account. I did not realize they had done this, and so I ended up with a past due balance on an account I thought I had closed successfully. They then reported this as a delinquency on my credit report ( for a balance of {$12.00} ), which then resulted in my credit score decreasing significantly ( again, all over a balance of {$12.00} ). This came to may attention because I had applied to refinance my mortgage, and was n't able to do so because of this {$12.00} delinquency ( which had in the meantime snowballed to a total of {$20.00} with fees ). I contacted BofA and was unsuccessful in convincing them to reverse these charges, but they said as long as I paid off the full {$20.00} balance they would reverse the delinquency. I did so over the phone. A few days later, they still charged me another {$1.00} interest charge ( again on an account which I thought I closed, and thought I finally paid off in full via the phone payment ). So the account still has a balance and I have to make yet another payment, on an account which I have been trying to close, because of a service which BofA sold me and I did not even use once but had been paying for for years ( shame on me for not cancelling the account sooner ). And they still have not reversed the delinquency on my credit report because I owed this {$1.00}, so I am still unable to proceed with my mortgage refinancing until I pay them the {$1.00} and the correction to my credit report is finally made. All over a {$12.00} charge on a closed Eagle National Bank account, from another Eagle National Bank service! I would have expected that the Privacy Assist "" service '' should not have been able to successfully process a charge on a closed account! And I believe that had the service not been a BofA service, BofA would not have allowed a charge to go through on a closed account. It is only because this is one of their services, that they allowed this situation to happen in the first place - and that 's not right.",,Consent provided,Web,2016-11-14,Closed with non-monetary relief,Yes,No,CR2206328,2569
2016-11-14,Credit card,,APR or interest rate,,"I received a bill from my credit card company in XXXX. I paid the statement balance in full before the XXXX payment due date. On my next statement that I have received, with a payment date of XXXX/XXXX/2016, I am being charged interest on the paid off balance from XXXX. They are telling me that interest was still acrueing (? ) from the XXXX statement closing date until the day I paid it in XXXX - "" Residual interest ''. I have other credit cards, and they do n't do that when I pay off the balance. I used a HELOC earlier in the summer to pay off credit card debt, and none of the cards tried to get extra interest money when I paid off the balances. Not sure what has changed in the banking industry that they think they can get away with this.",,Consent provided,Web,2016-11-14,Closed with monetary relief,Yes,No,CR2207285,1643
2016-11-14,Bank account or service,Checking account,"Account opening, closing, or management",,"After several mishaps by Eagle National Bank and it 's retail subsidiaries including sending statements to the wrong address and charging fees on no fee accounts, my husband and I chose to close our accounts. So, on XXXX/XXXX/2016, we then went to the local EN branch ( XXXX and XXXX, XXXX, PA ) in person. Our expressed purpose that day was to close our joint checking and moneyline accounts. This was clearly, and explicitly, communicated to the representative we spoke to. As part of this process, we had a balance on the monelyline account which we paid via check from our new account a copy of which we have to prove the date of our visit. Despite having done so 8 days later I went online to make sure the account was closed to find that it was still open and that a transaction had occurred again resulting in fees since the account had a XXXX balance. The mishap with the retail account resulted in a negative inpact on my credit score which prior had been spotless for 15 years",,Consent provided,Web,2016-11-14,Closed with monetary relief,Yes,No,CR2206918,3895
2016-11-14,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-11-14,Closed with explanation,Yes,Yes,CR2206848,3511
2016-11-14,Credit card,,Other,,,,Consent not provided,Web,2016-11-14,Closed,Yes,No,CR2206537,654
2016-11-14,Bank account or service,Checking account,Using a debit or ATM card,,,,Other,Web,2016-11-14,Closed with explanation,Yes,No,CR2207497,2205
2016-11-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-14,Closed with explanation,Yes,No,CR2206627,6473
2016-11-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,Other,Web,2016-11-16,Closed with explanation,Yes,No,CR2208037,3984
2016-11-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-11-14,Closed with monetary relief,Yes,No,CR2207536,1769
2016-11-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-11-14,Closed with explanation,Yes,No,CR2208393,3939
2016-11-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-14,Closed with monetary relief,Yes,No,CR2208292,3507
2016-11-13,Bank account or service,Checking account,Deposits and withdrawals,,"XXXX XXXX, 2016, I deposited via ATM a Cashier 's Check from a local bank to my Eagle National Bank checking account. I received a receipt allowing immediate access to {$200.00} and the balance held pending posting of the deposit. I then paid expenses within the limit from the checking account. Those payments were honored by the bank. Much later that evening, EN then placed a hold on the entire amount of the Cashier 's Check for 10 days, thus reversing the honored items and charging overdraft fees. As required by their policy, they gave no notice of doing so until XXXX on XXXX XXXX, 2016. The bank was closed on XXXX/XXXX/16. I went to the nearest branch on the morning of XX/XX/2016 and met with a banking officer to be told they may have felt the "" Cashier 's Check '' may have been dishonored by the issuing bank. There was nothing they could do until he could call the issuing bank to confirm they will honor the "" Cashier 's Check ''. Then on XXXX XXXX, 2016 at XXXX I received an e-mail from EN providing a link to their notice of a hold being placed on the entire amount of the "" Cashier 's Check ''. That link connected to a letter dated XXXX XXXX, 2016 to me the reason for the hold, "" A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' My account remains "" overdrawn '' and no funds available to me for medical and living expense. My wife and I, both over XXXX, exist on our Social Security payments and EN has inflicted severe stress upon us.",Older American,Consent provided,Web,2016-11-13,Closed with monetary relief,Yes,No,CR2205764,2999
2016-11-13,Credit card,,Transaction issue,,"I have been a Eagle National Bank customer since XXXX and never had an outstanding balance in my XXXX credit card. On XXXX XXXX, XXXX I took advantage of a promotion of a 0 % cash advance. I paid {$600.00} fee for a {$15000.00} cash advance payable in XXXX XXXX at 0 % interest. 
In my following statement on XXXX XXXX, XXXX I was charged {$44.00} for interest, even though I had paid in full for my purchases. 
When I called the bank, I was told that my payment was applied to the cash advance balance and not my purchases, thus the interest on my purchases .... This to me is clearly a scam or misleading promotion since I am being charged twice the interest. Bank was unwilling to solve my problem and suggested to stop making purchases with my credit card to avoid future interest charges.",,Consent provided,Web,2016-11-15,Closed with monetary relief,Yes,No,CR2205561,3543
2016-11-13,Credit card,,Delinquent account,,I sent a payoff for this card in the mail in addition to my other banks auto draft to pay. I sent the payoff the end of XXXX. I received no calls or letters showing that a payoff payment had not been received. When I checked my credit last week I saw it had been lowered by XXXX points due to late payments. I called and they were unhelpful and unwilling to provide any consideration for my situation despite me explaining I mailed the payoff and never got contact from them that they did n't receive payment. As soon as I heard I called and payed the payoff right away. I am suppose to close on a house in 2 months and I 'm this error could cost me my home and my XXXX deposit. I was suppose to get a call back from a manager but never did. This was concerning Eagle National Bank credit card.,,Consent provided,Web,2016-11-13,Closed with monetary relief,Yes,No,CR2205984,4562
2016-11-13,Credit card,,Other fee,,,,Consent not provided,Web,2016-11-13,Closed with monetary relief,Yes,No,CR2206015,803
2016-11-13,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-11-13,Closed with non-monetary relief,Yes,Yes,CR2205977,2373
2016-11-12,Bank account or service,Checking account,Deposits and withdrawals,,"After Filling report with the Consumer finance about my over all experiences with Eagle National Bank. The Banking Company sent me letter & banking statements in the mail. The letter stated They respectful decline my request for reimbursement. with this in mind, by reading the letter that was send from XXXX on the companies behalf, she did n't really do any research on the account. letter that was sent be to me by XXXX stated as follow, brief summery : ( There was no overdraft fee on the account. or Error/s ). I called in on the date after the funds where taken out of my business account. The agent that i spoke to was very helpful and under standing. The agent lifted the overdraft fee and and place on my account an Cr in the amount of {$150.00}. told me thats all she was allowed to do at that time. I am not sure if she made and case on my behalf for the remaining amount of {$280.00} that I am seeking an Cr for. When XXXX called in, she did n't ask me anything when calling just asked me how i would like to be contacted. I just think morally unjust and wrong the process that was taken after i was told the amount of XXXX was now permanent. They lied to me the consumer. someone that in trusted there money in your home for safe keeping. No matter how small the amount. As I am writing this i cant help but to feel distraught. Feeling unheard as an consumer. The fund where debited from my account with out any notice or letter date when the funds would debited from my account. an this is morally wrong with out and doubt. I would like to say that I am grateful there are banks that allow consumers to use their banking home system for our money safe keeping.",,Consent provided,Web,2016-11-12,Closed with explanation,Yes,No,CR2205571,2773
2016-11-12,Bank account or service,Checking account,Using a debit or ATM card,,"Below is an excerpt of a letter I sent to Eagle National Bank on XXXX/XXXX/16. I got calls from them stating the issue is resolved and then I get dunning calls from them. They are ruining my credit in addition to other problems they have caused.I have answered their questions but still get dunning calls and letters that upset my wife tremendously. 
XXXX RE : Checking Account number : XXXX ( it is my EN checking account number and the account data is correct as of now ), Please note : While reviewing my account on the website, I noticed a new account, for a credit card, a Visa for XXXX with a balance of about {$8.00}. It is showing as account # XXXX, Neither my wife nor I have ever requested such a card nor have we ever charged a penny on said bogus card, As this issue is causing my wife an incredible amount of consternation, we would appreciate if being cleared up ASAP. 
Many thanks from a 16 year customer, XXXX XXXX",Older American,Consent provided,Web,2016-11-12,Closed with non-monetary relief,Yes,No,CR2205663,700
2016-11-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,"Hello I applied for XXXX due to being let go from work. I was granted XXXX they begin to issue payments according them to Eagle National Bank but I have not received them.. Eagle National Bank is giving my money to someone else, and claiming that I did a bank transfer years ago they claim money is going to some account I have no idea what they are talking about or referring too. I have not given any permission to transfer anything anywhere. My rent and car note is due I need to pay my bills. I am asking that Consumer Financial Protection Bureau help me to get the funds owed to me from Eagle National Bank. I am also asking your help to prosecute those that are using my money and the Eagle National Bank representative that is putting the money into the wrong account. Eagle National Bank is giving me the run around. I am owed quite a few payments per XXXX around XXXX or XXXX. I am not getting anywhere with Eagle National Bank and XXXX seems not to be able to help as well. I look forward to hearing back from you urgently and I pray XXXX that you will be able to assist me. Thank you, XXXX",Servicemember,Consent provided,Web,2016-11-12,Closed with explanation,Yes,No,CR2205077,2621
2016-11-12,Bank account or service,Checking account,Problems caused by my funds being low,,My problem is with the Eagle National Bank because they charge me {$35.00} of overdrafts and those overdrafts bring me payments returned When we call for explanation they say that the system does not give you information about what is causing the overdraft ; Only this month I have gotten over {$130.00} of overdrafts ; I have signed a letter requesting that they do not overdraw my account charge but even they charge me overdrafts,,Consent provided,Web,2016-11-28,Closed with explanation,Yes,No,CR2205622,3183
2016-11-12,Bank account or service,Checking account,"Account opening, closing, or management",,"Opened checking account with valid funds. Removed funds approximately 3 weeks later. Received first statement with around XXXX cents interest. Called phone center requesting closure of the account. Stated this could not be done with a positive balance. Was advised that she would give to her supervisor, and after 1 month fees would reduce to a negative balance. The supervisor would then waive the charges and close the account. 

Received two more statements with increasing fees. Balance now negative {$68.00}. 

Called phone center on XXXX. Advised they could n't "" verify '' me even though I verified through their I 've. Offered transaction amounts ( only one deposit and check ). Was advised I 'd need to go into a branch because they could n't verify me. Asked to speak to supervisor. XXXX ( no last name or rep Id was given to me upon request ). Same piece given that they could see my account but nothing "" on it '' so they could n't verify me. Offered any personal information and identified those XXXX transactions, but they would n't ask for anything, stating that I needed to go into a branch. 

advised that this seems like a systemic issue that they ca n't verify me ( or wo n't attempt ), and that the racking up of the fees seems wrong given the follow up not happening. Asked her to provide phone call to her leadership.",,Consent provided,Web,2016-11-12,Closed with monetary relief,Yes,No,CR2205636,6829
2016-11-12,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-11-12,Closed with explanation,Yes,Yes,CR2205603,3668
2016-11-11,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I just noticed that i get charged an interest rate charge for making a payment transfer from my checking account into my credit card account ( online, both accounts are with EN ). 
For the past 8 months or so ive been paying a regular {$150.00} a month into my credit card. Thinking everything is ok i never really checked unit today, turns out the actual value of my payments were only {$50.00} because the other {$100.00} have been charged to me as a transfer fee. If thats not stealing, I dont know what is. 
What is the point then of having multiple accounts with this bank if you CAN NOT use them with each other? EN always makes that argument, saying it is good and beneficial to have multiple accounts with them. This proves that this is a lie of theirs and that they are crooked thieves. I might as well have an account in a different bank and pay from that bank into my credit card, that way their transaction fee is justified. 
Most ridiculous thing i have ever heard, I wish i was not banking here anymore. 

Yes some might argue that I should have read the policy or that i should have been checking from the beginning, its not the banks fault. I would say that is why the USA is the way it is, you keep supporting crookedness. 
I did what almost all Americans do, I did not read it true and did not check, but that does not make it right. EN even makes it so clever and easy for you to be charged this fee, online they 've placed a button that says make payment, once you click it easy lets you select what accounts you want to pay with, and I always choose checking, well this grants you this so called interest transfer fee. 
If was told about this fee when applying for it, because there was an agent there whom helped me and answered all my questions, I would have never opened the CC account. 
Like i said Most ridiculous thing i have ever heard, I wish i was not banking here anymore. I will pay off as quick as I can and get out of this bank. 
Thank you EN, you 've finally proved to me you are the worst and to think i ve been with you for over 11yrs.",,Consent provided,Web,2016-11-11,Closed with explanation,Yes,No,CR2205008,3733
2016-11-11,Bank account or service,Checking account,Using a debit or ATM card,,"I recently purchased a cruise with XXXX XXXX through XXXX XXXX and placed the deposit on my debit card. My reservation number with XXXX XXXX XXXX was XXXX. It was to leave XXXX XXXX from XXXX. I had to cancel the cruise and was due a refund of {$450.00}. I received half of it back on XX/XX/XXXX as an atm/checkard purchase credit from XXXX/XXXX/16. XXXX credit for {$70.00} and XXXX credit for {$150.00}. It was credited to a mass compromised card ending in XXXX and had to be manually posted to the account. The remaining {$220.00} has not been refunded. I was able to get a tracking number from XXXX that they said came directly from the bank XXXX XX/XX/2016 at XXXX. This is not XXXX 's tracking but Eagle National Bank 's tracking stated that they received this credit in the amount of {$220.00}. Every time I speak with the bank and try to file a claim, I am told they dont have it and to go back to XXXX. The bank will not even take a claim from for the missing credit XX/XX/2016and I have tried ever since the original manual posting of It 's {$220.00} and I want my money back. The bank has it, they just cant find it and they are not willing to help me. Again, I received {$220.00} already but this is for the other {$220.00} from the above tracking number.",,Consent provided,Web,2016-11-11,Closed with monetary relief,Yes,No,CR2205412,1642
2016-11-11,Credit card,,Credit card protection / Debt protection,,"I purchased an international product using my Eagle National Bank ( BofA ) XXXX card but the merchandise received was lower quality in workmanship and material than XXXX prior suites purchases at a lower cost. I contacted BofA to raise my concerns and they informed me of the process to follow to resolve my dispute. Since the first call, BofA did not provide proper guidance for international disputes ( per XXXX ), been unresponsive to my follow-ups ( XXXX calls ), and, during my last phone call with the Credit Claims Department on XX/XX/2016, the BofA representatives asked me to forge a letter from a XXXX retailer to say the product was not of quality ; this was witnessed by myself and the BofA Branch Manager. I am very disappointed in the way BofA has handled my credit card dispute.",,Consent provided,Web,2016-11-11,Closed with monetary relief,Yes,No,CR2205212,596
2016-11-11,Credit card,,Other,,"I received a phone call last night from someone claiming they were working with my bank. Said they were calling to offer an interest rate reduction promotion because of my standing with the bank and how we pay our balance off monthly, which is true. They said they are the ones who send out the statements for my bank, had my name, other information, and it seemed like they really WERE with the bank. They asked me to verify my card number, which i was skeptical about doing, but said they had all of my statement information and would verify that. Said there were not a third party. I normally would not do this, but because lowering our interest rate helps our credit, I verified my card number. In turn, they did tell me all of my balance information. At this point my daughter grabbed my phone and we got disconnected. They called me right back and we picked right back up. They then told me they were going to transfer me to their manager to see what rate they could offer me, transferred me to another gentleman, said his name was XXXX XXXX, and he told me because of our standing with the bank they could offer us 0 % for a lifetime but we had to pay a fee of {$1500.00}. I told him I could not agree to this at this time because my husband was not home, and I would call him back. He gave me a number to call back. After getting off the phone, I just felt very unsettled about the phone call. I called him right back and told him I was not interested in this. He asked me if I was NOT interested then why did I verify my card number. I told them I thought I was working with my bank to lower my interest rate, not get rid of it, and it did not make sense for us to do this. The guy got very hateful and hung up the phone. I then called my bank, and canceled my credit card to get a new number. Once my husband got home and we talked about this, we realized it was definitely a scam and someone was phishing for my information.",,Consent provided,Web,2016-11-11,Closed with explanation,Yes,No,CR2205435,2038
2016-11-11,Credit card,,Billing disputes,,,Older American,Other,Web,2016-11-15,Closed with explanation,Yes,Yes,CR2204980,4075
2016-11-11,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-11-11,Closed with explanation,Yes,No,CR2204146,2430
2016-11-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-11-11,Closed with monetary relief,Yes,No,CR2205120,2201
2016-11-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Besides a stack of XXXX plainly forged checks on Eagle National Bank ( EN ) which I recently submitted the complaint to CFPB, I would like to dispute another problem with EN as follows : Recently EN claimed a delinquent utility bill and automatically paid for it on my behalf, and then debited it on the monthly home loan account dated XX/XX/XXXX as "" current period fees and charges ''. I did not have any details of the utility bill, but I presumed that it incurred before the date of release from prison on XX/XX/XXXX, and during the staying in the prison from XXXX to XXXX. I do not see any reason and any way to subscribe the utility service for my house at XXXX XXXX XXXX XXXX, XXXX OK XXXX that has been vacant without any authorized occupant and extensively damaged due to multiple break-ins ; the valuable properties in the house and the vehicle in the garage were stolen off ; so were ID and several credit cards ; check books of XXXX banks including EN ; personal, investment and legal documents happened XX/XX/XXXX. In the light of identity theft and frauds in the time frame XX/XX/XXXX -- XX/XX/XXXX, I believe that the utility service was subscribed by fraud or unauthorized subscriber ( s ) unless EN can prove otherwise or offers any logical explanation or speculation. 
I would like to have this problem be corrected fairly, or a credible and accountable explanation from EN. 
Respectfully XXXX XXXX XXXX",Older American,Consent provided,Web,2016-11-10,Closed with explanation,Yes,No,CR2202632,3475
2016-11-10,Bank account or service,Other bank product/service,Deposits and withdrawals,,"In XX/XX/2012, when mobile deposit was taking off, I was a customer of Eagle National Bank with XXXX checking accounts and XXXX savings. I was using the mobile deposit service and followed all instructions of taking the picture of my check and had a few incidents where the check never deposited. I went into the branch on XXXX NC and was told by a Personal Banker that if the check did not deposit via mobile, just put it into the ATM. I performed this action a few time subsequently. In XX/XX/2012, I awoke to find all my accounts were closed and they stated I committed fraud. When I informed them that I was following information that their banker provided, they stated it was not their issue and my accounts were gone. Since 2012, but they have refused to assist.",,Consent provided,Web,2016-11-10,Closed with explanation,Yes,Yes,CR2203150,367
2016-11-10,Bank account or service,Checking account,Deposits and withdrawals,,"On XX/XX/2016 a garnishment levy was placed at Eagle National Bank and a hold was placed on my personal checking and savings account. On that same day a "" judgement debtors claim for exemption '' was filed in the 11th judicial circuit court, XXXX, MO and delivered to my local branch of Eagle National Bank. Eagle National Bank staff accepted but refused to honor said filing. They submitted it up the corporate pathways and told me each day that it was being processed. No one would let me communicate with the legal department, nor did they ask for more information. I also talked multiple times with the Law Firm holding the garnishment and they informed me that I filed correctly and presented correctly to the bank. On XX/XX/2016 the Law Firm holding the garnishment fully released the garnishment and faxed multiple locations of Eagle National Bank, including my local branch, the legal department, the XXXX, MO branch and another department ( unnamed ). When I presented in person back to my branch in XXXX, MO after speaking multiple times to the customer service line, I was informed ( as they held both copies of both legal documents ) that the matter would have to be processed until XXXX at night when I then could call to have my problem "" escalated '' which would give me my funds no sooner than the following XX/XX/2016. 
The law states I should have had my money released immediately a week ago.",,Consent provided,Web,2016-11-10,Closed with monetary relief,Yes,No,CR2203524,1838
2016-11-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Summary : I opened a credit card account with Eagle National Bank for a balance transfer. It is 0 % interest for XXXX months as long as payments are on time. Every time I log in to pay my monthly bill, I 'm told that my account is frozen and I need to call an XXXX number. I am unable to pay my bill. 
Details : I registered on-line to pay my first bill ( I pay all my bills on-line ) and when I attempted to pay my bill I received a message that my request could not be completed due to the status of my account and was instructed to call an XXXX number. I called and was told that it takes 10 days for my account to become active and available for online bill pay. I paid that bill over the phone - I said {$50.00} and {$51.00} was submitted. Last week I attempted to pay my XX/XX/XXXX bill of {$50.00} XXXX pymt # XXXX on this account ) and several days later received an email that my payment could not be processed due to the status of my account and to call the XXXX number. When I called, I was told that the routing number for my institution has changed. It has not - I have had that account for appr 10 years. I now have a late fee on my account. The man I spoke with on this call said that I was misinformed, that it does not take XXXX days for my account to be active. He said he corrected my routing number in the system and that I had to wait for XXXX hours to pay my bill. I attempted to do that again appr XXXX hours ( just to make sure they had enough time ), and received the same message that my request can not be processed due to the status of my account and to call the XXXX number. I attempted to do that. When I finally got through the menu and was told to explain in a few words what I needed, I said, "" Bill Pay '' and the next thing I heard was "" Good-Bye '' and was disconnected. I called in again, got through the menu and this time simply asked for a representative, and was told that the call volume was high and my wait would be long and to go to the website. My late fee has now increased. This is a 0 % interest card as long as the payments are on time, and they are preventing me from paying my bill. Interesting scam.",,Consent provided,Web,2016-11-10,Closed with monetary relief,Yes,No,CR2203236,3404
2016-11-10,Credit card,,Transaction issue,,"My intent was to purchase tickets for around {$50.00}, in an instant my card was charged $ XXXX without my knowledge or authorization. I contacted the merchant immediately indicating it was an error. They refused to help me and bc it was a time-sensitive issue, i issued a stop payment on the amount. I was assured that it would not process. I found out later that it went through bc the merchant pushed it through by changing their name. I then filed a chargeback and was denied. I did not authorize this purchase, did not receive the goods that were sold and believe that i should be able to retain the money.",,Consent provided,Web,2016-11-10,Closed with explanation,Yes,No,CR2204709,3614
2016-11-10,Credit card,,Late fee,,,,Consent not provided,Web,2016-11-10,Closed with monetary relief,Yes,No,CR2203748,2077
2016-11-10,Credit card,,Other,,,,Consent not provided,Web,2016-11-10,Closed with explanation,Yes,No,CR2203569,3116
2016-11-10,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-11-10,Closed with explanation,Yes,No,CR2203347,3257
2016-11-09,Bank account or service,Checking account,Problems caused by my funds being low,,"A check was returned without posting to an account with sufficient funds to the account and a nsf fee was charged. Bank explains "" an order of posting '' logic that cvannot be backed up in writing. At the close of the business day of XXXX there was sufficient funds to cover check. Please see attached statement. aLandlord is not charging me late fees that should be for the account to Eagle National Bank.",,Consent provided,Web,2016-11-10,Closed with monetary relief,Yes,Yes,CR2201526,4585
2016-11-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,Account owner died and Eagle National Bank is making it difficult for the executor of the estate to collect the funds from the deceased money market account.,,Consent provided,Web,2016-11-09,Closed with monetary relief,Yes,No,CR2202411,1636
2016-11-09,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank in XXXX XXXX, IL, will discontinue its drive-thru service on XXXX after reinstating it from a previous cancellation, following a deluge of complaints. I am a XXXX with a XXXX, which makes it difficult to stand in long lines. Online banking is not an option for me. They did not have a designated drive-thru teller, so no additional cost was incurred. This smacks of discrimination.",,Consent provided,Web,2016-11-09,Closed with explanation,Yes,No,CR2202272,2296
2016-11-09,Credit card,,Customer service / Customer relations,,I applied for a Eagle National Bank BankAmericard. I received the card in the mail and activated it. I then tried to use my card at XXXX restaurants and it was declined XXXX times. I called Eagle National Bank and I was told this problem was corrected and all holds or blocks had been removed from the card. I tried to use the card once more and it was declined again that is when I placed my second call to Eagle National Bank and they assured me it was because I was trying to use my card in XXXX and my home address is XXXX I then tried to use my card in XXXX and it was declined again for the XXXX and XXXX time. I called again and spoke with a CSR and was told they flagged it as fraud and again told all blocks and hold had been removed from my card. I tried to use the card with the CSR on the line and it was declined again for the XXXX time. The CSR then asked me to hang up and she would give me a call back and I never received a call back. I called again on XXXX/XXXX/2016 and spoke with someone named XXXX in the Fraud Department he told me that he had the ability to see more of my account than the CSR did and he said the card had been reset and was ready to use. I tried to use the card after this and it was declined for the XXXX time. I have called Eagle National Bank 6 times and have not gotten a resolution to my card being declined.,,Consent provided,Web,2016-11-09,Closed with monetary relief,Yes,No,CR2202414,1355
2016-11-09,Credit card,,Advertising and marketing,,"I applied to obtain a XXXX rewards XXXX card issued by Eagle National Bank because of the reward programs that was listed on the ad I read in my monthly XXXX car club magazine. 
Here is the problem, the ad stated that if I used my XXXX rewards XXXX at XXXX approved car care centers I would be awarded triple points. However, I am not earning triple points. I have filed XXXX reports with Eagle National Bank and have not been supplied with an answer that addresses the contradictions between what is being advertised as to what is actually being practiced.",,Consent provided,Web,2016-11-09,Closed with monetary relief,Yes,No,CR2201748,3097
2016-11-09,Credit card,,Other fee,,I believe that Eagle National Bank unfairly charges my credit credit just by purchasing a flight ticket from XXXX XXXX which is XXXX a Foreign Transaction Fee of {$47.00},,Consent provided,Web,2016-11-09,Closed with monetary relief,Yes,No,CR2201583,237
2016-11-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"In XX/XX/XXXX, my XXXX Aunt went into her Eagle Federal local branch in XXXX. She had XXXX CD 's that were maturing in XXXX. I do not know how they convinced her, but she was guided to the "" investment desk '' and met with XXXX who convinced her to take XXXX CD for approximately {$12000.00} and an IRA CD worth about {$14000.00} and put them into tax deferred annuities with 7 year surrender charges! There is no justification for this "" transfer '' since the annuties are not paying more than the CD 's were, and now she ca n't get at her money without a huge Surrender charge which is currently 6 %. Not only that, but they did not even wait the 1 month until the CD 's matured and it cost her roughly {$60.00} in "" penalties '' for breaking the CD. Why not wait 1 month so she would not have to pay an extra {$60.00}? The answer is GREED and COMMISSIONS. 
This lady was taken advantage of, and now has financial problems not being able to access her money. Then in XXXX, she went to XXXX bank in Eagle and worked with XXXX and they took her out of an IRA annuity with XXXX paying 2.75 % and put her into an immediate payout annuity with Principal that is paying a 1.8 % interest rate. On the Regulation 60 paperwork, they put down that the reason for the transfer was "" need for income '', their reason that the XXXX contract could not satisfy the need was "" this is a fixed annuity ''. Well a fixed annuity can be annuitized to satisfy the income need, and since it was an older contract, likely would pay out at a higher rate. Again, they did this for commissions. They did not have the best interest of the client in mind. Also in the suitability section of the application they put her investment time horizon as "" more than 10 years ''. What XXXX has that investment time horizon? 
This is a horrible example of banks taking advantage of senior citizens.",Older American,Consent provided,Web,2016-12-21,Closed with explanation,Yes,Yes,CR2202788,1452
2016-11-09,Bank account or service,Checking account,"Account opening, closing, or management",,"I feel like I was discriminated by Eagle National Bank in XXXX XXXX NJ on XXXX. First of all I was told that I will pay no servicing fee for holding my account at Eagle National Bank as long as I hold a minimum of {$100.00} balance. I contacted Eagle National Bank and told them that it 's not fair that I have been paying approximately {$15.00} per month when in fact I had the minimum balance required. They told me they could only refund one month of servicing fees and that it is my problem, and they do n't have to pay me back. They also told me that I will not have to pay any servicing fees for my saving account which I have been paying about {$4.00} per month for a couple of years. I applied for a personal loan at Eagle National Bank a couple of weeks ago and I feel I was discriminated by the bank due to my national origin which is XXXX and due to my XXXX faith. I have a heavy XXXX accent, and I felt like I was mistreated. I was declined for a unsecured personal loan for the amount of {$10000.00}. However I contacted XXXX personal loan a couple of weeks later and I was approved for a {$10000.00} unsecured personal loan. 
I know that the bank has taken advantage of my situation by not crediting any of the fees and declining a loan that I should have been approved for because other lender would probably approve the loan.",,Consent provided,Web,2016-11-09,Closed with monetary relief,Yes,Yes,CR2201503,3509
2016-11-09,Credit card,,Billing disputes,,"I have a credit card account with Nordstrom Department Store. I made a payment in full on XXXX/XXXX/16 directly online from my checking account. The amount has been transferred to Nordstrom and my account reflects as of the XXXX/XXXX/16 to been paid and withdrawn fro my bank. Nordstrom reflects this when I view it online, but does not give me credit for it. I have called and spoke with the manager, XXXX XXXX in California and was told that the account was place on hold until XXXX/XXXX/16 due '' making sure the payment clears and due to my credit history on my credit bureau "" ( of which I have never been late on any payment to anyone ever ). He quoted the terms and agreement, then admitted the payment had been received by ACH on XXXX/XXXX/16. I find the timeline to apply, reflect a XXXX balance and restore my credit line is unnecessarily to long and is hindering my ability as a consumer.",,Consent provided,Web,2016-11-09,Closed with non-monetary relief,Yes,No,CR2201752,3344
2016-11-09,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-11-09,Closed with monetary relief,Yes,Yes,CR2202654,2388
2016-11-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-09,Closed with explanation,Yes,Yes,CR2201452,3
2016-11-09,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-11-09,Closed with monetary relief,Yes,No,CR2199726,803
2016-11-09,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-11-09,Closed with monetary relief,Yes,No,CR2202389,466
2016-11-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-09,Closed with explanation,Yes,No,CR2202599,4721
2016-11-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-09,Closed with explanation,Yes,No,CR2202066,4261
2016-11-08,Bank account or service,Checking account,"Account opening, closing, or management",,"Back in 2013 I started applying for jobs everywhere due to the fact I was a single mother. This company "" XXXX XXXX company '' sent me a check letting me know I was hired and I had to activate the check and I could start working. I followed the directions in the letter that was originally attached to the check ( you will find it in the attachment of documents ) I activated the check and verified with the bank that it was real the lady I spoke with said yes and I had to deposit it and wait for it to clear. I woke up the next morning to my bank account being closed do to "" fraudulent activity '' I have been fighting this matter with "" XXXX '' & "" XXXX '' back and forth since 2013. And till this day with all the proof I have they still are n't willing to work with me. I feel like I was ripped off of my life for the past 3+ years. I just want to be able to get my life together for my son. It is already hard enough living in XXXX XXXX let alone being a single mother. Please help me gain my life back!! People should n't have to suffer due to scams going around. Please look at all the information I am providing and take it into high consideration. Thank you for your time!!",,Consent provided,Web,2016-11-09,Closed with monetary relief,Yes,No,CR2197811,2708
2016-11-08,Bank account or service,Checking account,Problems caused by my funds being low,,"I am a Eagle National Bank customer. I have a savings, checking, and credit card with them. I received an alert on my phone that I was charged a {$12.00} fee on my savings account for overdrafting my checking account. I did not overdraft my checking and called customer service. Remind you this is the XXXX or XXXX time that this has happened. I was placed on hold for over XXXX minutes and the representative still could not explain to me why I was charged the fee. I called back and spoke to another representative who was VERY rude XXXX XXXX from Nevada XXXX. He laughed at me for not understanding his explanation. He then said, "" the computer system will automatically charge a fee if it THINKS you are going to overdraft. '' This made no sense to me and waived red flags. He then said, "" that feature is for people that do not minitor your account as closely as you. '' This raised more red flags. I asked, so if I did n't notice and did n't call in then I would still be charged a overdraft fee, when I actually did not overdraft? I was laughed at and made to feel stupid because he could n't provide an answer that made sense to me. I was transferred to a supervisor, the fee was waived, and the supervisor had to do further research because she could n't provide an explanation either. This seems very suspicious and sketchy to me. It may be a glitch in their system, but I wonder how many Eagle National Bank consumers do not notice these absurd fees? I apparently monitor my account to closely, according to Eagle National Bank representative ; XXXX from XXXX.",,Consent provided,Web,2016-11-08,Closed with monetary relief,Yes,No,CR2200528,313
2016-11-08,Bank account or service,Checking account,Problems caused by my funds being low,,I contacted Eagle National Bank about how their mobile app does not reflect the current balance. They charged me an overdraft fee for my account when it was not overdrawn. I went through the balance with the representative and she saw the error and still would not refund the fee due to I have already been issued a refund in the past. I advised her that it was due to the same issues. They continuously charge overdraft fees but the account balance online does not reflect the balance within their system. As I was reviewing the charges with the representative she was giving a different balance that what was reflect online. Then I asked the representative how long do you have to pay the account up before the fee hits the account she stated XXXX eastern time. I advised her that I did not receive an alert until XXXX on XXXX/XXXX/16 and the few was already processed to my account so how am I supposed to review the account and make it current if the fee has already been applied. There is only XXXX Eagle National Bankn and the ATM does not accept cash deposits all the time.,,Consent provided,Web,2016-11-08,Closed with explanation,Yes,No,CR2200480,2322
2016-11-08,Bank account or service,Checking account,Using a debit or ATM card,,"I used a Eagle National Bank ATM on XXXX XXXX to make a deposit and a week later my debit card was used at a XXXX ATM approximately XXXX miles from my home. I notified Eagle National Bank immediately that my card was in my possession as well as notifying them that I did not make the transaction. Throughout the process of the fraud claim I had representatives review my account history, notifying them that this debit card is only used possibly 1-2 times a month. My initial 2 attempts were denied for the fraud case. I 've worked in the banking/finance industry for over 7 years and am aware that ATM machines have been targeted for phishing or skimming attacks. The bank is claiming to do research and is holding me accountable for a balance inquiry fee, 2 ATM withdrawals and ATM fees that total to {$400.00}. Per my account history I only pay bills from the stated account and would not check my balance at a non bank ATM plus do multiple withdrawals that would cost me additional money. I initially sent my request to the XXXX and was referred to submit the inquiry here. I 've been scammed by someone or possibly the bank and as a consumer this seems to be advantageous for a bank and a nightmare for a customer.",,Consent provided,Web,2016-11-08,Closed with monetary relief,Yes,No,CR2198921,1354
2016-11-08,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX/XXXX/XXXX, we deposit a check in my account for {$2800.00} after calling the bank it originated from and verifying it 's legitimacy. On the day we deposited the check, our bank locations system happened to be down so we called to get an update on the status of the check. The Eagle National Bank rep told us they would release {$100.00} on XXXX/XXXX/2016 and the rest once the check has cleared. The entire check cleared the next morning so we called back and the rep told us it takes 3-5 days to clear and the bank could still pull the funds until then. We called back a few times and were told the same thing by different reps for the first week. The following week, a female rep informed us that it actually takes 10 days to clear and the funds could be pulled back until that time. The last rep we talked to told us that the funds had been cleared by both banks and that there was no way either bank would come back after that period of time stating the check was n't cleared. We waited until XXXX/XXXX/2016 to use any money from the check. On XXXX/XXXX/2016, I checked my bank account and it showed they were pulling the funds back out of my account and my account was now negative almost {$3000.00} from the check being pulled back and our cell phone bill still processing. The only thing it showed on my online banking account was debit/hold for {$2800.00} on XXXX/XXXX/2016. I called customer service and spoke with a man who said he did n't have any explanation on his side as well and put me on hold to get his supervisor. Neither could tell me what was going on and stated that the only thing they could do is submit the charge-back for review as high priority but I would still need to find another way to be repaid ( wire transfer, money order, etc ) for the funds that were pulled back out of my account. I do n't understand how anyone can pull funds that were verified by both banks and cleared over two months ago. We verified the check with the original bank and called Eagle National Bank almost everyday to verify the check had cleared before we touched any funds from it. No one has an explanation and I 've been getting the run around from Eagle National Bank since we deposited the check back in XXXX.",,Consent provided,Web,2016-11-08,Closed with monetary relief,Yes,No,CR2199838,11574
2016-11-08,Bank account or service,Checking account,"Account opening, closing, or management",,"The bank closed my accounts. The bank did not give me notice, they did not tell me why. I was not negative with them. I never let my accounts overdraft, I never argued with them. First thing did was lock my debit card out without explaining. Then they said that was done in error because the customer service agent had accidentally marked it as fraud. Then they said the next day they decided to end the relationship with me and put me on something called hotfile and wrote me as a bad customer on XXXX. I told them I never reported my debit card being stolen at all, yet they said sorry. Because the customer service agent did some how Eagle National Bank says it 's my fault. Now I ca n't get a checking account anywhere, because every where I try they get reviewed and closed. All because Eagle National Banks customer service marked my debit card as being stolen, then told me she did that by accident and that there was no way to reverse that. On top of that I had XXXX $ in my accounts they held this and charged me a research fee every week. Until finally telling me I had XXXX $ left and would n't ever refund it.",,Consent provided,Web,2016-11-08,Closed with explanation,Yes,No,CR2197780,3210
2016-11-08,Credit card,,Delinquent account,,"I have had many problems with this bank. First my bank account, and now my credit cards. I have requested many times that they assist me in reducing my interest rate so I can pay off the accounts. They refused. I called one day and requested any assistance with a payment plan of some sort. The agent barely helped me and kept asking what I wanted, instead of telling me what I might be able to do to get help. He took my debt/income information and payments on the accounts and said I will get a letter about it in the mail. I finally, after weeks got a letter that says, "" We are unable to assist you with your request regarding this account. '' That 's it. Nothing that I can do, no reason they can not help, just NO. I am unable to make my payments online anymore and although I have requested statements, they do not send them to me. I can not even tell how far my payment is past due or anything and now it 's damaging my credit very much, just because I fell into some hard times when I got behind having to pay my mothers rent. Now, early XXXX I have to pay her rent again due to her XXXX for about 3-4 months and I am going to be low on money again and they will not assist me.",,Consent provided,Web,2016-11-10,Closed with explanation,Yes,No,CR2200063,1079
2016-11-08,Credit card,,Sale of account,,"I received an email message late last night alerting me that my new credit card was being sent. I called XXXX for another reason ( to confirm that a call from them was legit ) and they advised me of the new credit car being sent - and the initial reason provided by a customer service person was that the benefits had changed. When I pressed the issue and asked for a supervisor ( XXXX, extension XXXX ) I was advised that the new card is a switch from an AMEX card to a XXXX card because they have switched programs. They said they sent me a communication on XX/XX/XXXX ( which I never received ) and when I asked for a copy of it they said they were unable to send it to me. I pressed the issue and they just said they were unable to send it to me. It seems that if they are claiming they sent something they should be able to provide me a copy. I checked their online messages ( which I rarely check, so could not have deleted ) and find there is only the message I received last night. I understand them changing programs, but what I do n't understand is not giving consumers adequate notice so other arrangements could be made if it is not what I wanted.",,Consent provided,Web,2016-11-22,Closed with non-monetary relief,Yes,No,CR2199594,4532
2016-11-08,Credit card,,Payoff process,,,,Consent not provided,Web,2016-11-09,Closed with monetary relief,Yes,Yes,CR2200879,2001
2016-11-08,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-11-08,Closed with non-monetary relief,Yes,No,CR2200644,637
2016-11-08,Credit card,,Other,,,,Consent not provided,Web,2016-11-08,Closed with explanation,Yes,No,CR2201028,11979
2016-11-08,Credit card,,Other,,,,Consent not provided,Web,2016-11-08,Closed with explanation,Yes,No,CR2200053,3571
2016-11-08,Credit card,,Other,,,,Consent not provided,Web,2016-11-08,Closed with explanation,Yes,No,CR2200954,478
2016-11-08,Credit card,,Other,,,,Consent not provided,Web,2016-11-08,Closed with explanation,Yes,No,CR2200367,11331
2016-11-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-08,Closed with explanation,Yes,No,CR2200490,644
2016-11-07,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I had my Eagle National Bank XXXX card denied at XXXX websites. 
So I tried to call EN 's card services number on my card. 
I have done this before and contacted an agent in minutes. 
For the last several days I have been told the wait time is over 3 hrs!!! After 30 minutes given option to have then call you No one ever calls. I go online to check my account status. 
No info on denied transactions. Option to talks online. 
given a code and number to call to enter code to get online. 
Call number and no option to enter code or talk online. 
Just again option to wait 3 hrs. If I have a fraud situation no way to report it!!! I in the past get call about unusual purchases. Since I travel a lot I would get calls all the time. 
Are their laws requiring response times? If not I will ask XXXX to initiate legislation at both state and Federal level to guarantee acceptable levels of customer service for the banking industry!!!",Older American,Consent provided,Web,2016-11-08,Closed with explanation,Yes,No,CR2198843,11083
2016-11-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"i took out a student loan in XXXX for {$8000.00} from XXXX. after paying on this loan i still owe {$7200.00}. i filed bankruptcy in XXXX and was told could not file this loan because it was a student loan. am XXXX now and on fixed income. told could not do loan forgiveness because it was a private loan through Eagle National Bank. i have paid a total of {$7400.00} which all but {$200.00} went to finance fee, late charges, and something called int capitlztn. what can i do about this problem? can you help me with this. i have paid for 10 years and can not do it anymore due to my fixed income ...",,Consent provided,Web,2016-11-07,Closed with non-monetary relief,Yes,No,CR2198901,2496
2016-11-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I was expected to received a payment XXXX which was deposited on XXXX XXXX in which the funds were immediately available. I withdrew the funds and on XXXX XXXX the checks deposited began to bounce. I then found out there was a counter credit for XXXX {$1000.00}, XXXX XXXX checks with my name and fake signature attachted. The funds are no longer in my possession and I can not believe Eagle National Bank let the checks be deposited without checking signatures or placing any type of holds.",,Consent provided,Web,2016-11-08,Closed with explanation,Yes,No,CR2195012,170
2016-11-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,"There was a mistake of my mobile transfer with Eagle National Bank ( "" BofA '' ), but BofA 's claims department refused to help me to recover my loss. BofA claim department has the worst customer service for wrong online transfer and they violate their commitments to customers. 
On the XXXX of XXXX 2016, I intended to transfer {$2000.00} to a family member through BofA 's mobile transfer. While the status of the transaction was settled on my account but the fund was not received by the family member. I immediately filed a dispute and fraudulent claim to BofA, and I was told the fund went to a wrong people 's account of XXXX XXXX on XXXX/XXXX/2016. And then, I found out the phone number was entered wrongly. There was XXXX number different from my receiver 's. 
On XXXX XXXX 2016, I received the letters from BofA about the status of my claim. The letters states that the transaction is under my instruction, I have to contact the other parties directly for further assistance. BofA 's claim department said that XXXX XXXX responded them that there was no enough fund to cover the return, so that they wo n't return the money to me. BofA refused to provide any information or detail of their investigation 's procedures of my case. I also asked if BofA is able to contact XXXX XXXX for further help or report to XXXX ( the mobile transfer company ) or the wrong account owner for me ; they firmly rejected my requests. Since they stop helping, I contacted XXXX XXXX and XXXX, both of them told my wrong transaction is a member bank transaction ; they could n't help me unless BofA report to them for further assistance. Then I contacted BofA claim department on XXXX, XXXX and XXXX/XXXX/2016 and went to their local branch on XXXX/XXXX/2016 for help. The claim department manager still rejected all my requests, and they even closed my case without my permission. BofA stated that since the phone number was entered mistakenly, they are not responsible to cover my loss or help me to get back my fund. I filed a complaint to their complaint department on XXXX/XXXX/2016, but no one from BofA has contacted me about the complaint 's situation by now. 
However, according to their policy, they commits that customer is not liable for fraudulent transfers or bill pay transactions made via online or mobile when the transaction are reported promptly. I reported the mistake to BofA four days after the transactions, and I provided everything I can, but they are not helping me at all. What 's worse, while all the parties including XXXX XXXX and the mobile fund transfer company suggested me that the only effective and efficient solution is BofA report my needs to them, BofA completely closed my claim without my agreement. 
Moreover, firstly, I strongly think BofA 's mobile transfer function is a big trap. The way to using BOFA mobile transfer is not designed well. When I created a new mobile transfer recipient, the phone number is only required to enter once. Since it is a mobile fund transfer, the phone number is the most important and only information they use, but why there is only required to enter once? BofA has a big mistake on designing the phone application 's mobile fund transfer. 
Secondly, there are receipt 's name and phone number required for doing mobile fund transfer. My {$2000.00} transfer was not appropriately settled or completed by BofA because the recipient 's name I entered does not match the phone number. Technically, this {$2000.00} mobile transfer should be invalid, and it should be automatically refund to my bank account. 
I attached the screenshots of the mobile transfer process to show you how it is operated by cell phone.",,Consent provided,Web,2016-11-07,Closed with explanation,Yes,Yes,CR2195403,1376
2016-11-07,Credit card,,Transaction issue,,I believe that I have been taken for a ride in an online business scam. When attempting to report this I have been directed to your website and I am hoping that with your assistance I can dispute charges that were paid to companies for what I now believe is an online scam. I do n't think it is fair that I can not dispute charges over 60 days old and I have been advised that this 60 day limit is not applicable since these charges are not billing errors. Earlier this year and throughout this year I have paid a several companies for various products and services that have either not been delivered or are different from that which was described. The charges that I wish to dispute on my Eagle National Bank card are {$900.00} and {$99.00} per month in a total of {$290.00} both charged by a company called XXXX.I tried to contact the company directly several times and they do not return my calls or answer my calls.,Older American,Consent provided,Web,2016-11-07,Closed with explanation,Yes,No,CR2197984,797
2016-11-07,Credit card,,Credit card protection / Debt protection,,I was moving to in XXXX of 2016 XXXX and on the way there I got a call saying my card was being used XXXX where I used to live. I told them it was not me and to cancel the charges. come to find out the canceled them then put them back on my card with out telling me. XXXX of my purchases on the way XXXX was a Hotel room XXXX a day before the first fraudulent transaction happened. I was clearly not any where near XXXX when those purchases were being made and Eagle National Bank refuses to accept my claim.,Servicemember,Consent provided,Web,2016-11-07,Closed with monetary relief,Yes,No,CR2198673,476
2016-11-07,Credit card,,Credit determination,,"In XXXX, I opened a Secured Credit Card with Eagle National Bank of XXXX dollars, I used it properly and I always made the payments on time. 
In XXXX, I decided to close it because I had some inconveniencies with this Bank and they did not informed me that I had to pay some extra fees for using the Secured Credit Card. They did not educate me on managing the Credit properly and did not inform me neither that I had to pay some fees. 
After a month, I paid what I owned, it was not more that XXXX dollars but they had already reported me to the Credit Bureau and it is affected negatively my Credit. 
Last year, they sent me letter in which they said, I do n't own anything to Eagle National Bank but I need to get this removed from my Credit Report, please!",,Consent provided,Web,2016-11-07,Closed with explanation,Yes,No,CR2197881,544
2016-11-07,Credit card,,Other,,"My daughter is an authorized user on my Eagle National Bank credit card. She is only an authorized user, not financially obligated. She recently applied to refinance her home. When her CBR was run, her score had dropped significantly due to B of A reporting the balance I carry on her credit report as if she was carrying the balance. We had not authorized B of A to report on her CBR, my balance was shown on her report thereby violating my privacy ( I did not want my info for other 's to review on her report ), and the resulting drop in her score resulted in a XXXX basis point increase in her refinance rate ( which will cost app {$50000.00} over the life of her loan ). I addressed this with B of A through a number of channels, was initially told they ca n't do anything, then was told it was up to the CBR ( which I called and they affirmed they were only reporting as B of A submitted ), then was told I need to remove her as a user but her report would then show as account closed. I then submitted a complaint and finally was told they would remove the info from her CBRs, but it will take 60 days. She really needs to refinance now ; because of B of A her rate is higher, B of A should not have reported this on her CBR, should not have disclosed my info on her CBR, and should have not either lied or given me incorrect information through a rep, the rep 's supervisor, that supervisor 's supervisor, and finally the dept answering my complaint. This is a serious, and costly, breach of information sharing both for my daughter and me.",,Consent provided,Web,2016-11-08,Closed with explanation,Yes,Yes,CR2198698,2473
2016-11-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I wrote a check for {$140.00} to pay my XXXX XXXX acct. XXXX never receive the payment and later found out that the check ended up at XXXX Bank and had been cashed. I reported this to my bank Eagle National Bank located on XXXX XXXX in XXXX, DE they give me the run around for months. I did all they requested of me. Lastly I filled out a document and was told an investigator would call me. He never called. I reopened the case again and give them the reference number given to me the first time I made the complaint. I was told they could n't find any record. I filled out the same document and was told again an investigator would call in about a week. No one called and two months had passed. I called them and was told by XXXX that there was nothing they could do.",Older American,Consent provided,Web,2016-11-07,Closed with monetary relief,Yes,No,CR2199348,4060
2016-11-07,Credit card,,Other,,"In XX/XX/2015, I was the victim of Identity Theft. Target was the 2nd company to contact me about an account being opened in my name. They told me at the time that they would remove the hard inquiry off of my credit report, but as of today it is still on there. I have filed a police report & followed all protocol to get the hard inquiries off of my credit, but Target & XXXX are still on my XXXX Report under Hard Inquiries. I have exhausted all of my resources to get these last two inquiries off of my XXXX report. I hope you can help get these resolved.",,Consent provided,Web,2016-11-10,Closed with non-monetary relief,Yes,No,CR2196712,987
2016-11-07,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-11-07,Closed with explanation,Yes,Yes,CR2197847,931
2016-11-07,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-11-07,Closed with non-monetary relief,Yes,No,CR2198940,10351
2016-11-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-11-08,Closed with explanation,Yes,No,CR2198202,123
2016-11-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Other,Web,2016-11-08,Closed with explanation,Yes,No,CR2198867,3752
2016-11-06,Bank account or service,Checking account,Using a debit or ATM card,,"I want to submit a complaint for Eagle National Bank I used to be a customer I think I 'm no longer a customer since XX/XX/2016 due to some fraudulent done to my account. What happened was I applied for a long-term loan at home and I was approved for {$1500.00} not knowing that these people who I applied for a loan never existed. On the day that it happened I looked into my account and I saw that I was overdrawn {$460.00} I panicked so I went down to one of the branches I will need to speak to a loan officer but she really was n't any help she told me I had to call the claims department and Recovery, to find out what was going on they told me that there was XXXX checks deposited into my account by XXXX XXXX check was for the amount of {$360.00} and the XXXX was for {$280.00}. But nevertheless I have been trying to deal with these people I 've been calling and trying to talk to everyone and anyone in the recovery and claims department but they 've been pointing fingers at me saying that I 'm a thief I 'm not the victim. But I did report this incident the same day I found out what had happened to the police department then they assigned a detective on the case I also call the FBI in XXXX Florida and reported the issue I was advised to call the credit bureau. This is been going on since XXXX nobody 's returning my calls like they said they would call me back they close my account they flagged me down I 'm high risk. I also reported this issue to the Federal Trade Commission of fraud they also told me to call the Consumer Financial Protection Bureau and I 'm waiting for them to send me some forms so I can fill out and send them back so they can investigate. I told the bankers that I was going to go ahead and get an attorney to help me fight this because I will not let them slander my name will report me for fraud and not be able to open a bank account anywhere I 'm the victim not the thief and not because I applied for a loan online. Supposably these people that I apply for a loan they transferred XXXX checks into my account with an XXXX it had my name on the back of the checks and it was n't my signature at all and these checks came from out of state XXXX different companies. I need someone to help me get this resolved.",,Consent provided,Web,2016-11-08,Closed with explanation,Yes,No,CR2196581,6067
2016-11-06,Credit card,,Balance transfer,,"Eagle National Bank charged interest even though I paid the non promotional balance in full. When I took the promotional transfer they explained that the minimum payment would be allocated to the lowest finance charged balance, in this case the promotional transfer. Therefore I would have to pay the minimum balance plus the entire activity balance in order to avoid paying interest. They claimed to disclose that if I used the card for purchases that even if I paid the minimum plus the monthly activity in full that I would still be subject to {$1.00} minimum finance charge. I do not believe that this notification was made to me. How could I understand the intricacies of how the payments are allocated and not understand that if I chose to use the card while I have a promotional balance that I would pay a fee regardless of paying of the monthly purchase balance in full. I can no longer use this card for purchases without incurring a minimum finance charge of {$1.00} as long as a have a promotional balance.",,Consent provided,Web,2016-11-06,Closed with monetary relief,Yes,Yes,CR2196164,2613
2016-11-06,Credit card,,Closing/Cancelling account,,"I have been a cardholder with FIA Card Services ( and its predecessor organisations ) since XXXX. I have been a loyal and good customer for the thirteen years in question. I have used the card service regularly and have always paid my outstanding amounts owing on time and in full. I have never complained nor caused any problems for the company. 

On XX/XX/XXXX, a transaction that I had attempted was declined. As such action had happened from time to time before then, I called customer services to query what was going on and to get my account cleared to be able to use the card. I had assumed that a call would sort out the problem quickly and easily as had occurred on previous occasions. On XX/XX/XXXX I was advised that FIA Card Services decided unilaterally and without any advance notice to me to close my account with no recourse to any review. The customer service representative simply told me the account was closed, she did not have any explanation for this, she provided a contact number for the account closure department and, upon calling the number, a recorded message stated the account was closed "" for business reasons '' and that the decision was final. My wife ( also a card holder ) did talk to an agent on XXXX in the account closure department ( as I was travelling ) who advised that we would receive a letter to advise of this decision and the agent restated that the decision was final.",Older American,Consent provided,Web,2016-11-07,Closed with explanation,Yes,Yes,CR2198967,4765
2016-11-06,Credit card,,Transaction issue,,"I recently paid XXXX of my maximum credit card balance through Eagle National Bank posted to my account on XXXX/XXXX/XXXX. The funds were directly deposited from my "" XXXX Bank account '' through an electronic ACH transaction. According to "" Regulation CC '' set forth by Federal reserve under the "" Expedited funds availability act '' of XXXX. XXXX Funds should have been available on the "" same day '' of the transaction. I attempted a credit card transaction on XXXX/XXXX/XXXX, XXXX business days later & the card was declined. Upon contacting EN on the issue I was "" continuously '' lied to about the funds lack of availability. A EN credit card annalist stated that they only had to post the deposit to my account in order to be in compliance with the regulation. He indicated the bank had a right to place a Hold on my account for XXXX10 days for fraud analysis, "" REALLY '' in a commercial electronic ACH Bank to Bank transaction. Not withstanding this "" deplorable '' action prevented me from caring out important time sensitive financial transactions. EN has long standing reputation for deceiving their customers, for "" wind fall profits '' based on a long standing pattern of funds manipulation. "" & unwarranted charges on customer accounts. This Pattern of behavior warrants an investigation of the Banks practices with all the appropriate fines and penalties..",,Consent provided,Web,2016-11-06,Closed with explanation,Yes,No,CR2194695,3045
2016-11-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-11-06,Closed with explanation,Yes,No,CR2194946,2561
2016-11-06,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,Consent not provided,Web,2016-11-06,Closed with explanation,Yes,No,CR2195375,273
2016-11-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-11-08,Closed with explanation,Yes,No,CR2197353,3605
2016-11-05,Bank account or service,Other bank product/service,Deposits and withdrawals,,I am currently using EN 's merchant services for my online business. They are currently holding an order that is about {$2500.00} because they need to check it for fraud they say & it should only take an additional 24 hours. Well it has been a week and they are still holding the money but they took it out of the customer 's account but not transferring it to me. That makes no sense. So the customer is wanting their item and upset they have been charged for it already but I ca n't ship their product until I get paid. EN assigned it to a security rep that checks for fraud that is supposedly on vacation because she has n't been to work the entire week. All EN tells me is that I have to wait. This affects my business and reputation. Im sure EN would n't do this to a large store. They are taking advantage of a small business and that is not fair.,,Consent provided,Web,2016-11-05,Closed with non-monetary relief,Yes,Yes,CR2196683,1506
2016-11-05,Bank account or service,Checking account,Deposits and withdrawals,,"My first attempts at contacting Eagle National Bank occurred the morning of XXXX/XXXX/16 to report fraudulent activity of deposits and withdrawals taking place on my bank checking account that resulted in a loss of {$2200.00}. After an hour on hold, being transferred, and speaking with XXXX different reps ( XXXX of whom told me the fraudulent activity occurred with an ID through a teller, NOT an ATM ) only to be told I would be transferred again, I ended the call and decided to go into a branch directly. I spent almost an hour and half in an office with a representative who called the same exact number I had already been dealing with earlier. This time I was now being told the activity occurred through an ATM, ( and I had questioned this multiple times, considering what XXXX other representatives I spoke with earlier on the phone had said to me - which was that this was NOT through an ATM, but through a teller ) so XXXX claims were filed and I was advised my debit card was cancelled and my account was flagged for fraudulent activity and would be monitored to prevent further unauthorized deposits and withdrawals from happening. I was also informed that the temporary funds in the amount of {$2200.00} would be returned to my account today while the investigation was being completed. Later in the night of XXXX/XXXX/16, I happened to check my account to see if the temporary funds in the amount of {$2200.00} that the phone rep advised me would be added to my account had been added, but much to my surprise found they were n't and that a fraudulent {$500.00} deposit was made and an additional {$1200.00} more had been taken from me through a withdrawal that was unauthorized. That is now a total of {$3400.00} I am missing. 

I spent another hour plus on hold and on the phone the night of XXXX/XXXX/16, only to be advised that another claim had to be filed and that there was nothing more anyone could do since all other departments were now closed. I was now told to call back, again in the morning, "" as soon as I get up '' to speak to another department and was advised that my card had n't been cancelled. Also, this rep once again told me that this activity is NOT being done through the ATM machine, but through a teller in the drive thru. As stated above, while at the branch earlier today, I questioned being sure the activity I reported was actually done through my ATM card, multiple times, considering what XXXX representatives this morning had told me, which was that it was done with an ID through a teller. 

I am the XXXX at my place of employment and can not tell you how disappointed, no, disgusted I am about my experiences with Eagle National Bank, all in one day. Within a 13 hour period, I have spent almost 4 hours of my own time dealing with XXXX different Eagle National Bank representatives and not XXXX has been able to accurately address the fraudulent activity that has occurred nor prevent it from continuing to occur on my account. I have been a customer of Eagle National Bank for 10 plus years holding multiple accounts with this company and am appalled at the handling of my issue and lack of service provided, leaving me with absolutely no faith in them continuing to hold my accounts.",,Consent provided,Web,2016-11-05,Closed with monetary relief,Yes,No,CR2196495,6924
2016-11-05,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"This is a summary of what happened after I submit my complain with case XXXX a lady ( name and phone # is known to me ) from Eagle National Bank called last Thursday XXXX and she told me that they send my check, the subject of the complain, on XXXX XXXX And I should get it by next week, I went to the Post office and requested a hold to my mail in the post office just to avoid the excuse of not delivered. chickening the mail in the post office turn down to no mail from Eagle National Bank received. I called her and informed her about the situation. Today Saturday XXXX I got a voice mail message, when I called and talked to a supervisor by name XXXX she informed me that check had been void and new check issued in XXXX XXXX and it will be with me within 7 or 10 day after she checked the address. this thing has been going on for 48 day up to day and they keep repeating the same thing for the third time expecting different result. 
Sir, Madam, this matter took long than it should and add a lot of hardship over the ones already there .Please looking for help and I do not see any coming, Your advice is highly appreciated",,Consent provided,Web,2016-11-05,Closed with explanation,Yes,No,CR2196871,5249
2016-11-05,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,Consent not provided,Web,2016-11-05,Closed with explanation,Yes,No,CR2195385,302
2016-11-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-08,Closed with explanation,Yes,No,CR2196859,13290
2016-11-04,Bank account or service,Checking account,Problems caused by my funds being low,,Eagle National Bank charged an overdraft fee when none occurred. That caused the Bank Account to go negative. Then they accepted checkcard transactions when the balance could not cover them. I did not opt in to that and it is against consumer protection laws. Eagle National Bank continues to take advantage of consumers.,,Consent provided,Web,2016-11-04,Closed with monetary relief,Yes,No,CR2195424,3114
2016-11-04,Bank account or service,Savings account,"Account opening, closing, or management",,exact same story as another consumer so I will use his words with my specifics : I enrolled in an HSA account with B OF A with a previous employer and left that company with a balance on the account. The bank will not allow me to withdraw funds without paying a service fee ( {$25.00} ) to do so and have slowly been bleeding the account dry by applying monthly service charges ( {$5.00} ) on it.,,Consent provided,Web,2016-12-05,Closed with monetary relief,Yes,No,CR2194845,1697
2016-11-04,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"In XXXX I became the victim of identity theft. I filed a report with the Police Department. The amount of the theft was close to {$50000.00}, or my life savings. My perfect credit was was ruined. Further, it was not possible to go after the person who had defrauded me ( he posed as a financial advisor ) because he died in XXXX of XXXX. It was information I discovered after I learned of his death that I found I had been defrauded. After I supplied copies of the Police Report to all the companies trying to get payments from me for things I had never charged, all but one of the companies and banks trying to collect money from me dropped their attempts to do so. The only one that has continued to pursue me is the Eagle National Bank. Even after I, a senior on a limited income and now no savings, went to a lawyer and had him repeatedly contact the B of A, they would not relent. The Eagle National Bank and all three of the credit report companies have received copies of my Police Report. After several years of frustration in this matter, I asked the man who helped me with my taxes, a XXXX, to contact the Eagle National Bank. He did and they said they would stop asking me to pay back some $ XXXX, BUT they sent a form to him that said I had received that amount and had to pay taxes on it! The kind CPA said he would attach a letter and my Police Report to the IRS and they would not ask me to pay tax on it, as I had not ever made those charges. BUT after the IRS honored my XXXX 's letter, when I checked my credit report, the $ XXXX was still there from the B of A saying I owed them. The credit report companies ( XXXX, etc ) said there was nothing they could do about it, and the B of A could leave the charges there until XXXX, XXXX. I need your help to stop this. The Eagle National Bank has already received copies of my Police Report as have each of the credit report companies.",Older American,Consent provided,Web,2016-11-04,Closed with explanation,Yes,Yes,CR2194470,1041
2016-11-04,Bank account or service,Checking account,Using a debit or ATM card,,"My debit card had an unauthorized charge by XXXX which caused the account to go negative. Eagle National Bank immediately hit me with a overdraft fee. First I called XXXX, their customer service people quickly admitted the error and issued a refund which would take XXXX days to process. I then called Eagle National Bank, they said they would n't do anything until all the transactions posted then they would refund the overdraft fee and remove it from my records. So I waited until then, I have since called them XXXX times, once I was on hold for so long I gave up, the XXXX time I kept getting bounced around different people. XXXX dept says since it was n't technically a fraudulent charge they ca n't do anything, another dept says they ca n't do anything because they state that this in fact a fraudulent charge and the other dept needs to issue the credit. The XXXX time I was hung up on by the employee.",,Consent provided,Web,2016-11-04,Closed with explanation,Yes,Yes,CR2195213,2802
2016-11-04,Credit card,,Advertising and marketing,,"I applied online for a credit card thru Eagle National Bank was 0 % interest. I th I thought it was for a special promotion for more than a year. I called the bank and asked for the contract. They sent me something else with a later saying this is best imformation we have with a number. I called number and it was wrong number to call, finally I had to call the number on my credit card and rep said that was business account number and my account an individual account. He then stated he was sorry but the rep sent me the wrong paper work. He said he would send the contract I signed. It was terms and conditions and I do n't see anywhere one there saying it was for one year! If I did that 's fine I will abide to it. I just saying I thought it was 16 or 18 months.I asked if they would lower my interest rates even they would n't do nothing for me..i been a long time customer of Eagle National Bank and a XXXX.",,Consent provided,Web,2016-11-04,Closed with explanation,Yes,No,CR2196308,1024
2016-11-04,Credit card,,Billing statement,,"I have a credit card with Eagle National Bank. I could n't figure out how I always had a balance carried forward even though I always paid the "" current balance '' in full before the due date. 
Then I realized : the bank has set my payment due date BEFORE the end of the finance period, so that unless I do n't use the card, some charges will be posted after I make my timely payment. 
Example : my B of A payment is due on XXXX XXXX. I pay the full balance on XXXX XXXX so as not to be late. In XXXX, I find a 'beginning balance '' amount, on which interest has been charged, for transactions on the XXXX, XXXX, and XXXX of XXXX. They are listed as having been retroactively due with the XXXX payment. 
Is this not dishonest? Sneaky? Possibly Fraudulent??? How many billions do these guys collect in interest from people who think they are paying in full every month?",,Consent provided,Web,2016-11-04,Closed with explanation,Yes,Yes,CR2196762,3140
2016-11-04,Bank account or service,Checking account,Using a debit or ATM card,,For the second time Eagle National Bank has closed my debit card stating i needed to activate the new chip card they sent me and for the second time i have not received a chip card. I have now been declined making a purchase twice because they close my current card assuming i received a new XXXX in the mail. It is inconvienent and embarassing.,,Consent provided,Web,2016-11-07,Closed with explanation,Yes,No,CR2192991,13620
2016-11-04,Bank account or service,Savings account,"Account opening, closing, or management",,Today I went into a branch and spoke with XXXX XXXX [ XXXXXXXXXXXX ]. I wanted to close my EN Simple Savings Account ( Acct. No. ending in XXXX ). XXXX XXXX advised that she closed the account but I am not confident that the account was closed and that I will no longer be charged any further fees.,,Consent provided,Web,2016-11-04,Closed with explanation,Yes,No,CR2196950,1601
2016-11-04,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-11-04,Closed with explanation,Yes,No,CR2192662,1157
2016-11-04,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-07,Closed with explanation,Yes,No,CR2196029,2146
2016-11-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-04,Closed with explanation,Yes,No,CR2196637,3378
2016-11-04,Bank account or service,Checking account,Using a debit or ATM card,,,,Other,Web,2016-11-04,Closed with explanation,Yes,No,CR2195129,4441
2016-11-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-04,Closed with non-monetary relief,Yes,No,CR2196368,4696
2016-11-03,Bank account or service,Checking account,Deposits and withdrawals,,"Well on XX/XX/2016 I did a mobile deposit using the app that Eagle National Bank offers. Usually after i do the mobile deposit I properly dispose that check. Well for whatever reason I did n't do it at that time. Check was left on my wallet for 2-3 weeks unnoticed. On XX/XX/2016 a delinquent person stole my wallet. Use my credit cards and deposit the same check into his bank account is XXXX. Well, this person forfeit part of the signature by adding XXXX to it ( which I never use ). Since the check had been clear from my bank weeks before, Eagle National Bank debit my account for the amount that was on the check without checking or consulting if this was a legal transaction or not. I started this process on XXXX when I received the letter on the mail. I been calling the fraud department from both banks and all they are doing is blaming each other. I consulted my company payroll bank and because they did n't suffer any loss they ca n't do the affidavit of loss and Eagle National Bank does n't want to do it for me either. I work hard for that money, it was my mortgage payment. I need someone to help me. Please.",,Consent provided,Web,2016-11-03,Closed with explanation,Yes,No,CR2193186,747
2016-11-03,Bank account or service,Checking account,"Account opening, closing, or management",,"When I first signed up for Eagle National Bank card, they gave me what was called "" XXXX XXXX for Students ''. They told me there will be NO monthly fees, NO yearly fees, NO restrictions of how many deposit I should make, and NO HIDDEN FEES, that is what I signed up for. I noticed in past few years that my checking account amount continues to decline, but I never could figured out why. When I noticed my checking account goes into negative outstanding balance, I decided to do investigating and found out that EN has been deducting hidden monthly fees {$12.00} of what they called "" Monthly Maintenance Fee '', which also caused overdrafted because of this monthly maintenance fee which caused my balance goes into negative. I immediately called EN today, got transferred three times while explaining to three different agents, and finally transferred to higher-up supervisor name "" XXXX, in PA XXXX '' XXXX PST on XXXX XXXX, XXXX. She acknowledged that I signed up for XXXX XXXX, she explained it 's no longer exists in EN, and that after 5 years of XXXX XXXX, it will become "" normal account '' due to age or no longer as a student. I told her I never knew about this, I was never notified, and I never opt-in for this new policy from "" XXXX into Regular Account '' after five years, I demanded where is my opt-in agreement and she could not provide me XXXX. She acknowledged that I have not opt-in for this new change on my XXXX XXXX XXXX account, she said "" the best I can do is give you back three months of {$12.00}, which means you will get back {$36.00} ''. I demanded full refund because I never opt-in for this new change policy, never submitted to monthly maintenance fees. She said her hands are tied, but she 'll submit my report case to much higher up in the Eagle National Bank Corporation. I told her I will file complaint to Consumer Finance Bureau, she said I should do that too as well, because her "" hands are tied ''. She repeatedly tells me that the best she can do is give me back three months worth of Monthly Maintenance Fee ( total of merely {$36.00} ). They started deducting this hidden fee since XXXX, I calculated to total of {$490.00} they took me! It 's no wonder why my checking account continues to decline, I demanded full {$490.00} refund, and she said to file CFPB report because there 's nothing else she can do for me. She probably thought I wo n't do it, but I know my rights!",,Consent provided,Web,2016-11-03,Closed with explanation,Yes,No,CR2194342,4372
2016-11-03,Credit card,,Other,,"i have disputed the info on my credit report with the credit card company for which they signed for on XXXX/XXXX/2016.. According to the FDCPA the credit card company is required to put a notice of dispute within 30 days. However when i checked my reports on XXXX/XXXX/2016 i saw that they failed to place a notice of dispute. I have already sent a letter to the credit card company regarding their violation and as of today they still have not removed the negative account from my report. 

This is my final goodwill attempt to clear this up out of court and without monetary compensation. If the credit card company does n't remove the negative accounts in a timely fashion i will sue them in small claims court nearest to me. I will request {$5000.00} as i have already outlined in my letter. 

I am attaching now the letter i have sent them and also a copy of XXXX credit report where you see their negative account.",,Consent provided,Web,2016-11-03,Closed with explanation,Yes,No,CR2193278,1386
2016-11-03,Credit card,,Arbitration,,"On XX/XX/2016 I paid with my Eagle National Bank credit card ending in XXXX a down payment for a car to XXXX XXXX NY XXXX I had that car on lease and was trying to purchase the same car, the car was repossessed a day before on XX/XX/2016, they give me a sales contract for that particular car but they never delivered the car to me I cancelled the transaction after waiting 20 days for the car and the dealer never give me the car, I cancelled the credit card transaction and now I got a letter from the credit Card dated on XXXX saying that there is no documentation to support that we did not received the car I already purchased another car somewhere else, I do not think that I have to paid for a scam and a breach of a contract",,Consent provided,Web,2016-11-03,Closed with explanation,Yes,No,CR2194223,12416
2016-11-03,Credit card,,Transaction issue,,"On XX/XX/XXXX16, I went online to initiate a monthly payment of {$41.00} to my Eagle National Bank credit card. On XX/XX/XXXX16, EN debited {$1400.00} out of my checking account and I received an alert that my account now had a negative balance. I contacted EN customer service immediately and was told they would keep the intended {$41.00} payment, refund my checking account the difference of {$1300.00}, and that this would take 48 hours to get this completed. It has now been 9 days and the funds have not been transferred back to my bank account. The balance of {$1300.00} was placed back on my credit card XX/XX/XXXX16, but as of today, XX/XX/XXXX16, it has not been refunded to my checking account.",,Consent provided,Web,2016-11-03,Closed with monetary relief,Yes,No,CR2194229,878
2016-11-03,Credit card,,Advertising and marketing,,I APPLIED FOR ALLY CASH BACK VISA CREDIT CARD ON XX/XX/2016.THIS CARD ISSUED BY Eagle National Bank NJ. THERE WAS PROMOTION FOR THIS CARD - {$100.00} BONUS AFTER {$500.00} PURCHASE IN FIRST 90 DAYS.I MADE PURCHASE MORE THAN {$500.00} IN FIRST 90 DAYS.BUT I DO NOT SEE THAT {$100.00} BONUS ON MY STATEMENT ISSUED BY THIS BANK ON XX/XX/2016.I DO NOT TRUST THIS BANK. I FULFILL ALL THE REQUIREMENT WITHIN TIME LIMIT. BUT THIS BANK DOES NOT WANT TO PAY ME BONUS. THE CUSTOMER SERVICE F BANK IN VERY POOR.THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER.,,Consent provided,Web,2016-11-04,Closed with monetary relief,Yes,No,CR2190512,8327
2016-11-03,Credit card,,Billing disputes,,"I purchased a costume from target.com. it did not fit my niece, therefore I walked in the return to a target store here in XXXX, the XXXX store. The attendant told me it would automatically be returned to my red card, ( target card ). Upon further review due to late fees on my account because it was the only item I had charged, i discovered it was not credited to my account. It in fact apparently was placed onto a gift card which I never received. I have now been assessed two late fees on my account. Target refuses to credit my amt due XXXX and in fact now charged me XXXX dlls with the XXXX and late fees. please assist. this is not the first time target abuses their authority,",,Consent provided,Web,2016-11-03,Closed with monetary relief,Yes,Yes,CR2192915,8489
2016-11-03,Credit card,,Other,,,,Consent not provided,Web,2016-11-07,Closed with explanation,Yes,Yes,CR2193893,435
2016-11-03,Credit card,,Customer service / Customer relations,,,Servicemember,Consent not provided,Web,2016-11-03,Closed with explanation,Yes,Yes,CR2194294,3087
2016-11-03,Credit card,,Other,,,Servicemember,Consent not provided,Web,2016-11-03,Closed with explanation,Yes,No,CR2193611,2112
2016-11-03,Bank account or service,Other bank product/service,Deposits and withdrawals,,,"Older American, Servicemember",Consent not provided,Web,2016-11-03,Closed with explanation,Yes,No,CR2190854,4813
2016-11-03,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-11-03,Closed with explanation,Yes,No,CR2193376,531
2016-11-03,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-11-03,Closed with monetary relief,Yes,No,CR2192815,43
2016-11-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"A Home Equity Loan that we have with Eagle National Bank since XXXX and expires in XXXX, I found by accident, through a Credit report, that Eagle National Bank closed the account. When I inquired why the account was closed, they claim that they have a letter from me asking to close the account, we never submitted such a request. I asked for a copy of the letter that they claim that they received from us, they said that they can not find it!!",,Consent provided,Web,2016-11-03,Closed with non-monetary relief,Yes,No,CR2190936,2078
2016-11-02,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"For the past year, I have repeatedly informed this institution on the best feasible way to reach me and each correspondence is sent certified mail. I have stated on the web for the past 6 months that I CAN NOT access the loan portal page since Eagle National Bank changed some permissions on the portal so I am unable to access and technical support was unable to override. 

Per the attached, there has been challenges with either receiving mail or having mail sent of the office. ( see attached ). If I am unable to obtain some items which are FREE this would indicate that are issues. I also requested that if I needed to be contacted to please contact me at my residence at XXXX. I am charged to connect to EN from XXXX and if a fortune XXXX company can not contact regarding this issue or issue a collect number I 'm further concerned about this consistent attempt of EN to insist they have n't received documentation and/or can not contact me. In addition, there is a XXXX hour time distant from the XXXX to XXXX so please do not contact me after XXXX. 

Additionally, on three separate occasion EN or its agents have been on-site to either threaten or prevent rental of this property. This documentation has been sent on various occasions with dates and names. This has cost me thousands of dollars to include issuing a writ of possession since the agent informed the tenant that she should not be paying rent. Eviction resulted in XXXX worth of damage to the residence. EN asked if I would be able to pay XXXX of good faith money down and I asked if they would like for me to put those funds down or to pay for the damage. There was never a response so I assumed the repair I have before and after photos to validate my good faith. 

This coupled with the fact that this company has not attempted to complete the RMA, sent back two certified full payments which would have taken the house out of foreclosure at the time and NEVER informed me to make a payment. Illustrates the intent of this institution to be unwilling to adhere to acceptable mortgage servicing practices. 




Therefore, I requested that the home be sold at XXXX which is the cost of the last appraisal conducted. This also is in accordance with the loan modification process ( attached ) but NOT adhered to by EN. 

With all the documentation that I have on file and the correspondence submitted and not acted upon I am pretty confident, well documented solid case. I am unsure if this case of rampant through EN or if this is a rare occurrence. However, I truly do not wish to have any dealing with EN and would like to sell this residence so I can get on with my life.",,Consent provided,Web,2016-11-02,Closed with explanation,Yes,No,CR2192190,4471
2016-11-02,Bank account or service,Checking account,Deposits and withdrawals,,"I am in attempt of XXXX XX/XX/XXXX and my recruiter told me that The Administration job I got in the military, I should start till I went to XXXX.So as usually I used to apply for a lot of jobs every day and some employers email me for interview schedule on phone or in their office.So one of those days, I got as usual an email saying that I have been schedule for an interview that they were interested in my resume that I should report to XXXX XXXX the Hiring manager for online interview to get in the process.They gave me her XXXX and that I have to join her on ''XXXX '' for the interview.I join her and we start discussing about my experience, the company, their goals, my assignements like accountant in the company.They said that they are XXXX XXXX XXXX XXXX ( XXXX ) that they are implanted in XXXX , Usa and wanted to open a new branch in XXXX.That they look for a great team member to enlarge their company and I have to work at home XXXX to XXXX for XXXX $ per hour.But a training of 3 days XXXX $ per hour will be provided.So the company will send paycheck to their employees for equipment material purchasing like accountants softwares ... 
Then, I made the interview and said they will send pay check and will recommend me a vendor for the software equipments.They said I should work at home but my supervisor will send me field trought email and I have to work on it and send it back before XXXX of every day.That their new branch will be open in XXXX in XX/XX/XXXX. 
Fore someone like me who moves to Use 3 months ago and after several attempt of getting a job of my educational Skills or any kind because I have to pay my rent room in few days and send money back to my wife who is XXXX.I was very glad to find finally a job but to be true, I went on website and check if it is possible to work at home for a company and get paid.And it was right and I thought I was lucky after several prayings but Perhaps, I can not imagin that I will be Robbed.So they send Paycheck by XXXX 3 days after with instructions to go and make a deposit in my account and send them proof of deposit.It was my first time to deposit a check of XXXX $ .My first time to deposit a check was XXXX dollars when I worked 1 week for a XXXX but they took a lot of time to schedule me again and Iet them.So that day I take XXXX dollars in cash.Then with that check of XXXX $ .I thought it was the same.I went to my Eagle National Bank for a deposit.I expect that the money will also be available as usual but the banker said they will put XXXX available and the rest XXXX available 2 business day after.So I report to the hiring manager who interviewed me and they said that I should start early so that when the bank will put XXXX dollars available, they will send me the vendor information XXXX XXXX so that I make a partial payment while waiting for the rest of the money be available.That I will make it trought XXXX XXXX.I create XXXX XXXX account and make the payment.On XX/XX/XXXX, I login my account and realise the bank make the check turned and apply fees.So they take away the XXXX $ they put available on XXXX/XXXX/XXXX. 
XX/XX/XXXX the date the bank said to put available the rest of the money XXXX $ .I login my online account it was locked and closed with a due of XXXX $ in my checking because before the deposit I 've only XXXX dollars in my account and that XX/XX/XXXX I pay my credit card due of XXXX $ .it rest XXXX days after the bank send me a letter that they will report me to other instituition and not be able to open an account in Usa up to 5 years.I went to the police and report it because It was so crual.I was victim and by the bank 's fault.They had to check the avaibility of the check before and avoid me to get in trap.May be the Bank knew but just for them a way to get me charged and earn money.We can trust our bank to protect us.very sad.HELP!",,Consent provided,Web,2016-11-02,Closed with monetary relief,Yes,No,CR2191642,3129
2016-11-02,Bank account or service,Checking account,"Account opening, closing, or management",,"I went into the Eagle National Bank branch in XXXX, CA to inquire if my direct deposit was added to my account and if it would make sense to change it to a different type of account, before I knew it the account was changed. I was not eligible for a direct deposit account nor did I authorize the change, I was merely inquiring about the different type of accounts they offered. The criteria for the direct deposit account was either {$250.00} as a single deposit or a {$1500.00} daily balance, neither of these fit me and I was not informed of this prior to the change. The bank then told me my eBanking could not be reinstated. I contacted the branch manager the following day in person and also contacted XXXX XXXX at the Customer Service line in XXXX County, CA to correct this error, to no avail. The new changed account now has a monthly {$12.00} fee to maintain the account, so there was no prior notification of this and now I must close my account immediately in order to not have to pay this monthly fee. I want to emphasize that I never gave authorization to change my account.",,Consent provided,Web,2016-11-02,Closed with explanation,Yes,No,CR2191368,1397
2016-11-02,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"visited bank to requested a voided check and was accosted to apply for a credit card - informed sales agent I was concerned that credit application would place another "" hit '' with an inquiry to the bureaus with my application. Agent informed me this inquiry plus the others I suggested concern about were "" soft '' inquiries and would not show up OR affect my credit score. Shortly after being denied for a few more applications, I found out this was not true. EN '' refuses to amend this credit application to inform the bureaus that it was invalid.",,Consent provided,Web,2016-11-02,Closed with non-monetary relief,Yes,No,CR2192153,818
2016-11-02,Credit card,,Billing disputes,,"EN does not allow reasonable charge backs on its credit cards. It avoids them principally through XXXX methods : ( 1 ) a dysfunctional, buggy and excessively onerous website that it falsely claims can be used to request them, and, ( 2 ) an acute shortage of live representatives that result in a minimum of half an hour on the phone, dropped calls, and a typical encounter with them resulting in one hour of lost time each time you need to contact tehm. 

I have XXXX charges on my XXXX Mastercard that are illicit that should be credited as a charge back to the merchant immediately. XXXX of them, for {$77.00} on XX/XX/XXXX and {$27.00} on XX/XX/XXXX were for merchandize not received because the merchant ignored explicit shipping instructions provided as a condition of the purchase. Specifically, they were told that there is no US Postal Service delivery address to the shipping address and that the items would need to be sent via XXXX or XXXX which do deliver to the shipping address. Despite these instructions, the items were handed over to the USPS, which then falsely claimed to have left "" notice '' of an attempted delivery. This is also deliberately falsified since USPS does not deliver to the address in question, as stated ; hence it did not leave notice of an attempted delivery to an address it does not deliver to. Since all of this information was provided weeks ago, AS A CONDITION OF PURCHASING THE ITEMS, there should be no further wait time for this clear merchant error. Why is the consumer disadvantaged in a clear case of merchant error? 

The XXXX charge for {$39.00} on XX/XX/XXXX was for an item received but which was not the item ordered. Again, this is a case of clear merchant error. A week or more ago it was told to mail its return label to the billing address. Since it failed to follow these instuctions as well, with no return label available, why should the consumer be disadvantaged by repeated merchant errors? Obviously, this is an habitual and recurring problem on EN credit cards : blaming the credit card consumer for repeated, habitual merchant errors in an effort to discourage the credit card user from obtaining a charge back to the merchant. 

Although EN claims that it is possible to dispute a charge through its website and online banking, this is effectively a lie. The mechanism for doing so is full of software errors, dysfunctionally restrictive such that facts can not be accurately reported, and generally are structured to discourage charge backs. 

Upon discovering EN 's lies about online disputations of charges, I then tried to call someone in its customer service department. Since I have received this card ( which is branded with some cooperative agreement with a semi-federal agency, XXXX rewards ), the minimum amount of time I have been on the phone with them is half an hour. Recordings come on that indicate, habitually, that they are experiencing an unusually high volume of calls. Since these recordings always come on, this is another falsification by EN. Along the way, I was asked by a robot on the call to enter the last XXXX digits of the card number. Yet after I did, I was then told to enter the full account number ; when you go to search for that, you are disconnected, despite more lies that suggest that if you "" push 1 '' you will be given more time to get the number they should not be demanding on a phone call due to security risks on wireless calls. Yet, the sloppiness does not end there : if you do n't want to enter the full account number, you are instructed to enter your full social security number on phone calls that are easily intercepted instead. 

The CFPB needs to sanction EN for its multitudinous ways it avoids issuing charge backs that should be made, while pretending to make disputations for false and errant charges available. It should particularly examine the number of consume",,Consent provided,Web,2016-11-30,Closed with explanation,Yes,Yes,CR2190671,194
2016-11-02,Credit card,,Billing disputes,,"I had setup my credit card account with Eagle National Bank to AutoPay and it was working fine for several months. Suddenly, the minimum payment amount increased due to a promotional period ending. The AutoPay did not adjust the payment amount so it did n't make a full payment. Now, Eagle National Bank has a delinquency mark on my credit report that says that payment was over 30 days past due. They refuse to correct it, saying that it was my fault that I did n't make the full payment. Their site is very misleading about how AutoPay works and I firmly believe that they are at fault here - why should I be punished for this??",,Consent provided,Web,2016-11-02,Closed with explanation,Yes,Yes,CR2191934,798
2016-11-02,Credit card,,Rewards,,"I took out my Eagle National Bank credit card to pay all of my wedding expenses, with the expectation that I could pay it back after my wedding ( from the 0 % 12 month APR ) plus get a small cash back bonus from my purchases. I 've used the card for over {$5000.00} worth of wedding expenses, and have XXXX points. I am getting ready to pay off the card now that my wedding is over, and I am trying to redeem the points. 

When I took out the card, I was mislead to believe that the rewards acted as cash back. I did n't realize that the rewards were to be used to credit travel expenses only. I called BAC several times to try to redeem the points ; ticket # XXXX was created to have my points redeemed for full cash value as a one time courtesy due to this confusion, which equates to {$270.00} ( vs. the 60 % or so that was originally quoted to me ). Then, when I called in today, I was told that they can not honor this redemption at all. 

This is a great example of a credit card company offering a misleading, hard to use reward system. I entrusted BAC to help pay for my wedding and was lured in by a ridiculous, misleading reward system.",,Consent provided,Web,2016-11-02,Closed with monetary relief,Yes,No,CR2190374,2043
2016-11-02,Credit card,,Other fee,,"Prior to XXXX XXXX, 2016, I had a balance of {$11000.00} on my EN XXXX credit card. 
On XXXX XXXX, 2016, I paid EN {$11000.00} to clear my balance to XXXX. 
On XXXX XXXX, 2016, EN charged me {$84.00} in interest. 
I object to this {$84.00} because my balance was XXXX out eight days prior to this charge.",,Consent provided,Web,2016-11-02,Closed with monetary relief,Yes,No,CR2190953,13171
2016-11-02,Credit card,,Other,,"XXXX XXXX 2016 : Yard card 's phone system was down in XXXX. On XXXX XXXX, 2016 I called to make my payment, as I always do and have for the last two years. I was unable to make XXXX 's payment on time. I called three separate times once at XXXX, another at XXXX and finally at XXXX, as Yard Card makes you pay by XXXX or you are late. I was unable to complete any payment that day. As I kept getting the same automated message that "" my request could not be completed at this time. '' I called several times on XXXX XXXX starting at XXXX, and XXXX and finally was able to get through at XXXX to make the payment, I made the payment and was given the confirmation code XXXX. I knew they were going to charge me the {$39.00} fee initially but figured since the problem was theirs that it would not be an issue getting the fee reversed. I called and spoke with a woman who admitted that she knew the system was down and I was told a fee reversal "" request '' would be issued and if accepted it would reflect on my next bill but I would still have to pay it before it could be reversed. STRANGE. I usually make my payments with the automated phone system but because of the issue with the XXXX payment I decided to speak with a representative for XXXX. 

XXXX XXXX, 2016 : I called to speak with a representative to inquire about the removal of the XXXX late fee and to go ahead and make XXXX 's payment. I got XXXX. I made the payment by giving the representative my routing number and my account number. The representative repeated it and said the payment was submitted and gave me a confirmation number of XXXX Several days passed and I realized that the monies were not being debited from my account in a timely manner. I then on XXXX/XXXX/16 received a letter that said that the payment that I gave had been rejected. I called to ask why, they said that I provided them an account number that was invalid. I asked what account number that would be and the person stated that the account ended in XXXX. I did have an account that ended in those four digits, however at the time I had n't had that account in over a year. If asked there would be no possible way I would be able to rattle off that account number by memory. I told the person on the phone that the representative must have decided to just use an account that was stored in the system, not my current one. ( I have attached proof of how long I have had this current account and that I have always maintained enough money to cover yard card at any given point. ) The representative stated that is most likely what occurred and assured me that it would be taken care of and that any fees associated with this or last months issue would be taken care of. I then authorized that representative to go ahead and make the payment again. I gave my account number and my routing number verbally, she repeated it to me and I confirmed it. She said she submitted the payment and I was given XXXX as my confirmation number. She said that I would be received a call about the issues and to give it at least 24-48 hours to hear from Yard Card/Eagle National Bank. This payment was also rejected. No one has a reason as to why or how and could only tell me that they would have to "" go pull the phone call '' to determine what happened, I told them I would wait. Moments later they came back and said that they would resubmit and take care of the issues which included another NSF/Invalid account charge. ( I had to shorten my complaint to fit your system ) The same thing happened in XXXX. Once all the fees were removed I was satisfied until I saw that they reported my account 60-89 days late on my credit report. I was shocked. I need it removed. It made my score go down XXXX points and it not accurate. I am asking resolution before I take further action.",,Consent provided,Web,2016-11-02,Closed with monetary relief,Yes,Yes,CR2190583,8678
2016-11-02,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-11-02,Closed with explanation,Yes,Yes,CR2188824,4078
2016-11-02,Credit card,,Closing/Cancelling account,,,Older American,Consent not provided,Web,2016-11-02,Closed with explanation,Yes,No,CR2191986,135
2016-11-02,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-11-02,Closed with monetary relief,Yes,No,CR2191678,10746
2016-11-02,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,Consent not provided,Web,2016-11-02,Closed with explanation,Yes,Yes,CR2191777,1328
2016-11-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-02,Closed with explanation,Yes,No,CR2190689,1911
2016-11-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-11-02,Closed with monetary relief,Yes,No,CR2190919,2002
2016-11-02,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-11-03,Closed with monetary relief,Yes,No,CR2191261,4012
2016-11-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-11-03,Closed with monetary relief,Yes,No,CR2188255,5393
2016-11-01,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank continues to process transactions in a way that charges the most fees. They have done it 2 more times for my account, costing {$150.00} the past month for these greedy pigs. They do it on card charges despite that being outlawed, they are despicable people that take as much as they can.",,Consent provided,Web,2016-11-01,Closed with monetary relief,Yes,No,CR2188868,9755
2016-11-01,Bank account or service,Checking account,"Account opening, closing, or management",,Eagle National Bank started charging me a $ XXXX safebox rental fee without my approval or proper notification.,,Consent provided,Web,2016-11-01,Closed with monetary relief,Yes,No,CR2188724,434
2016-11-01,Bank account or service,Checking account,"Account opening, closing, or management",,"My name is XXXX and I used to have a checking account, money market account and mortgage with Eagle National Bank ( via Countrywide ). Eagle National Bank, now referenced as EN, screwed me over with regards to my modification and then sold my loan to some 'off the wall ' trust. The real reason for this complaint was that I sent about XXXX letters requesting that the checking and money market accounts be closed immediately since the year of XX/XX/2014 -- probably more! My lawyer at the time also sent a letter and of course they state they never got it even though the executive office confirmed receipt. They keep sending me statements which I nicely mark 'RETURN TO SENDER ' because my checking account had only a {$.00} balance in which I told them to send to me if they chose to -- I do not want anything else from these crooks! It is a waste of their resources to continue to pester someone who earn/will earn them XXXX profit! I do want any correspondence -- NOTHING! I should not have to send in anymore letters requesting closure especially the way they treated me with regard to my injury and my past mortgage! I am done!!! Please assist me and tell EN to stop bothering me. Post my name -- I do not care. I want as many people as possible to know how this scheisty 'financial organization ' can be to innocent citizens.",,Consent provided,Web,2016-11-01,Closed with explanation,Yes,Yes,CR2190278,1624
2016-11-01,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"My visa account statement ( Eagle National Bank, or Bofa ) closing date of XX/XX/2016 stated that my minimum balance due was {$210.00} with due date of XX/XX/2016. 

I made a payment the day after, XX/XX/2016, for {$350.00} and my statement closing date of XX/XX/2016 showed my payment was received. Yet, Bofa tried to claimed that I was late and charged me a late fee of {$27.00} for not paying {$210.00} due. I called Bofa on XX/XX/2016 to dispute that my account was late & requested my late status and the late fee to be removed from my account. As of today XX/XX/2016 Bofa still has not done so.",,Consent provided,Web,2016-11-01,Closed with monetary relief,Yes,No,CR2186666,3992
2016-11-01,Bank account or service,Checking account,Deposits and withdrawals,,"On Thursday, XX/XX/2016 I initiated a mobile check deposit to my business account via Eagle National Bank 's smartphone app. 

After the check had cleared, on Friday an employee of the bank placed a "" hold/freeze '' on my check. 

A note in account details said a letter had been sent through standard U.S. Mail explaining the reasons, which diminishes the purpose of convenience of a mobile deposit. 

On Saturday XX/XX/XXXX, an email was sent to my business account with a Pdf attachment stating "" A hold was placed on your check ( s ) because check specific information indicates item may be returned ''. 

This indicates the judgement and belief of a certain employee that either s/he believes based on some kind of evidence that the check is somehow fraudulent. 

I need to know exactly : What kind of fraud the employee believes s/he has detected to justify such false representation ; Exactly what "" check specific information '' is imagined to indicate such falsehood ; The full name and position of all persons involved in this conspiracy to meddle in my business and defame myself and my associates ; The complete details ( including name and rank ) of all parties internal and external who has been affected by the conspiracy including specific departments, law enforcement agencies and personnel ; and any other financial institutions conspiring with Eagle National Bank.",,Consent provided,Web,2016-11-01,Closed with explanation,Yes,No,CR2188484,1539
2016-11-01,Credit card,,Closing/Cancelling account,,"A settlement agreement was reached by telephone and direct payments to total {$3600.00}. 
I have made and the bank has processed XXXX of these XXXX payments already. Agreement reference number is XXXX. Eagle National Bank did not apply the money as a pay off but as a regular payment with {$54.00} interest. They have creavtively, left me a XXXX balance. I have confirmation of this arrangement and their statement, attached",Older American,Consent provided,Web,2016-11-01,Closed with explanation,Yes,No,CR2189592,2351
2016-11-01,Credit card,,Transaction issue,,"I am reaching out to your organization in hopes that you can assist or at least help me to see that my complaint is acknowledged. I have paid several companies thousands of dollars for various online business opportunities and have found myself as a victim of a professionally orchestrated scam.I would like you to investigate the following charges on my Eagle National Bank card : XXXX XXXX {$2200.00} on XXXX/XXXX/2016, XXXX XXXX {$3500.00} on XXXX/XXXX/2016, XXXX XXXX,XXXX charges of {$2500.00} on XXXX/XXXX/2016 and XXXX/XXXX/2016. I got contacted by these companies by unsolicited telemarketing phone calls. The reason for this dispute was due to their deceptive sales tactics they used to obtain my business. They promised me a profitable at home online business.I have n't heard from them since, I tried to get in touch with them several times and I was not successful. They did not provide the services I was sold.",Older American,Consent provided,Web,2016-11-01,Closed with explanation,Yes,No,CR2189884,4107
2016-11-01,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank reported me to XXXX on a "" erroneous checking account that I have no knowledge of opening ''. I did have XXXX checking account not XXXX with them. The one they are reporting abused is causing issues with me trying to open a checking account at another bank. I tried in good will to get resolved and they refused.",,Consent provided,Web,2016-11-01,Closed with monetary relief,Yes,No,CR2189638,575
2016-11-01,Credit card,,Other fee,,,Older American,Consent not provided,Web,2016-11-01,Closed with monetary relief,Yes,No,CR2190162,4886
2016-11-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-01,Closed with monetary relief,Yes,No,CR2189897,2946
2016-11-01,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-11-01,Closed with explanation,Yes,No,CR2189509,547
2016-10-31,Bank account or service,Checking account,Problems caused by my funds being low,,Due to my account being overdrawn on XXXX/XXXX/2016 I was charged a overdraft fee of XXXX which I paid but not right away with no problem due to my error. I received an emailing stating I had until XXXX/XXXX/2016 to take care of bringing my account current or I would be charged additional/extended XXXX which I did on XXXX/XXXX/2016 which was apparently to late. it does not matter to the bank that I was charged the additional even when my account was current the only concern was I had 5 business days to correct and it was not done according to their procedure business day.,,Consent provided,Web,2016-10-31,Closed with monetary relief,Yes,No,CR2187543,286
2016-10-31,Bank account or service,Checking account,Problems caused by my funds being low,,"I accidentally chose my Eagle National Bank account to pay my credit card bill this month. I almost never use that account and there was n't enough money to cover it. Ideally, they would have rejected the payment, which they did a few years ago when I made this same error for a larger payment. 
This time, they paid it and charged me XXXX. I immediately transferred funds over to cover the difference and forgot about it for a week. I came back to look the other day but now I 'm still overdrawn because they allowed a {$1.00} recurring payment to go through and charged another XXXX and then another XXXX. So now my stupid mistake of selecting the wrong account on a mobile drop-down has cost me XXXX and is probably still being racked up because it takes 2-3 business days to get the money through ACH. 
This is a fat-finger nightmare that is indicative of why Eagle National Bank is America 's most hated financial institution. I am lucky in that this financial hardship wo n't break me, but I know many people for whom this debacle would cause an irreparable financial tailspin. 
I do not believe that I have ever opted into an overdraft services. I do not want EN covering payments for me BECAUSE they charge exorbitant, predatory fees for doing so.",Servicemember,Consent provided,Web,2016-10-31,Closed with monetary relief,Yes,No,CR2185935,3390
2016-10-31,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a new Eagle National Bank account in XXXX 2016. There was an unauthorized activity on my account which caused the insufficient funds and the bank wanted to close my account based on risk assessment. But when I went to the financial center and explained them the situation, they said that the insufficient funds charge had fallen off and that I would not need to file a claim. The bank also returned the NSF fees. But now after a month, my debit card was blocked and I realized from the bank that my account is being closed all of a sudden. They also are reporting me to the chexsystems, which means that I would not be able to open a new account for next 5 years in the USA. I do n't want to get penalized by not having an account for not making a mistake. I wish to get a response as soon as possible because it would create a lot of problems for me since I am just starting with my career here.",,Consent provided,Web,2016-10-31,Closed with explanation,Yes,No,CR2186611,3355
2016-10-31,Bank account or service,Checking account,"Account opening, closing, or management",,On XX/XX/2011 i deposited a check of XXXX into my Eagle National Bank account. I received this check through a craiglist job that i found and i was sent was sent a check to be deposited into my account and from there purchase things and shipped them out. I received the check and the check seemed legit. Then i received a letter from the that my account was closed due to a fraudulent check. I was surprised because I did n't know it was a bad check. I was XXXX at that time and was looking for any job to be able to meet ends meet. I disputed the case with XXXX and Eagle National Bank and nothing is been done. I asked Eagle National Bank for a copy of the check and said they do n't have it because this happened XX/XX/2011. I did research after that and i was one of the people of XXXX scam where they send you and check and it bounces to be a bad check. I deposited the check and did n't touch any of that money from that check.,,Consent provided,Web,2016-10-31,Closed with non-monetary relief,Yes,No,CR2185903,710
2016-10-31,Bank account or service,Checking account,"Account opening, closing, or management",,XX/XX/2014 I had fraud and identity theft on my XXXX accounts XXXX with XXXX and XXXX with Eagle National Bank. Police reports were filed people were convicted and restitution had been ordered. However XXXX cleared it up for me and sent me a letter stating they have cleared it up. Eagle National Bank has refused to clear it up and it is still negative when I went to open a checking account a week ago. XXXX removed it but XXXX still has it in my profile.,,Consent provided,Web,2016-10-31,Closed with non-monetary relief,Yes,No,CR2186500,3881
2016-10-31,Credit card,,Credit line increase/decrease,,I recently requested an increased credit line from Eagle National Bank to a total line of {$3000.00}. Over the phone they told me they would see if they could approve me for that level. Instead they exceeded {$4000.00}. Months ago I had requested that they decrease my credit line to {$1500.00} and instead they closed my account and I had to re-apply.,Servicemember,Consent provided,Web,2016-10-31,Closed with explanation,Yes,No,CR2186579,1747
2016-10-31,Credit card,,Billing disputes,,"I submitted a mailed check to Eagle National Bank for my credit card payment on XX/XX/2016, but I do not see that it was applied to my account. Now my credit report shows I 'm delinquent on my payment. I do n't always mail my payments to Eagle National Bank, but when I do n't have access to online payments then it should still be a reliable source. I travel XXXX for work, and I do n't always have access to my online account to monitor that my payments were processed. In this case, I 've been in XXXX XXXX, with spotty internet access. I 'm just now seeing that my payment was never applied and my credit report shows I am delinquent.",,Consent provided,Web,2016-10-31,Closed with non-monetary relief,Yes,No,CR2187070,5204
2016-10-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"After receiving an advertisement in the mail for a 'EN XXXX XXXX ', I submitted an online application for an express loan through Eagle National Bank in the amount of {$3000.00}. Their marketing scheme for this loan is 'access your funds in up to 48 hours '. I submitted the application on XXXX XXXX, and it is now XXXX XXXX, and I still do n't even have an update on where my loan application stands. I have called Eagle National Bank 's customer care/financial advisors - numerous times. So far, I have heard the following excuses from their representatives regarding why they do n't yet even have an update : - "" It can take 5 to 7 business days. '' ( This was on my first phone call & I reiterated that the advertisement stated 48 hours ) - "" It should n't be taking this long, I will email my supervisor to get back to you. '' ( This was on my following call, and I never heard back from a supervisor ) - "" You have an advisor, but he 's unavailable and the website just has n't been updated yet. '' ( This was on the next phone call & I still have n't been able to reach the contact they gave me. And to this day, the last time the website was updated was on the day I submitted the application. ) Finally, I called and stated that the only reason I applied for the loan with Eagle National Bank was because they sent me the advertisement. It 's now been long past 48 hours, and I still do n't have an update. I informed the representative that I was actually relying on the funds and that I needed an update soon. If not, I was going to look elsewhere. She stated to me that they 've already pulled my credit, and that the loan would be approved or denied by the end of the business day yesterday. She also advised that if I did n't see an update, that I should just go ahead and cancel my application with them and go to another bank. 

At this point - I 'm not even going to call anymore. I am writing this complaint to inform the CFPB of Eagle National Bank 's false advertisement, and marketing scheme.",Servicemember,Consent provided,Web,2016-10-31,Closed with explanation,Yes,No,CR2187822,130
2016-10-31,Credit card,,Delinquent account,,"I had a Target Red Card credit card for over three years with an unblemished payment history. My statements were sent by e-mail and I would then pay online, always in full. Last XXXX, I did not receive a statement from Target. I do not remember the exact dates for all of my financial obligations and rely on statements from my creditors. Two months later, I received an e-mail from Target informing me they were turning me over to a collection agency. I called them and told them I wanted to pay the debt in full but also wanted to cancel the card because their statement system did not seem adequate ( i.e. no statements sent ) and I could n't take any chances with ruining my credit. They informed me that it was my responsibility to know when the bills were due and if I cancelled my care, I would never be able to get another one again. I told them that was fine, this was n't working for me, and I had other credit cards. I paid the card in full and owed nothing to Target. In XXXX of 2016, I applied for new car insurance because it was much cheaper. I was told that I would have to pay {$150.00} more for insurance because I had an entry on my credit card. I got a copy of my credit report, and for the first time in my adult life ( I 'm XXXX ), I had a bad credit report from Target. I am now also applying for XXXX jobs and have found out this can also affect my ability to get a job. Target does not have any customer service contacts for this issue as I do not have a Target Red Card anymore and you need a card number to log in into the customer service portal. There is no other mechanism for contacting them about this issue. My question is, if I paid them in full two months after the debt was due, why have they ruined my credit rating? This card has cost me far more than I ever saved by using it and now it is going to potentially impair my ability to get a job. I feel as if I 've committed a felony and I would like Target to resolve this ; I do n't owe them anything and they did n't have to pay anything to collect the debt. It just seems like sheer vindictiveness, which I think stems from my not wanting to use their card anymore. I hope you can help me or direct me to help at Target.",,Consent provided,Web,2016-10-31,Closed with explanation,Yes,Yes,CR2186512,12625
2016-10-31,Credit card,,Identity theft / Fraud / Embezzlement,,"I have completed and returned a Fraud Affidavit that Eagle National Bank/Target sent to me 2 months ago. To date, this account is still showing on my credit file. I have sent the Fraud Affidavit to XXXX and XXXX. Please help me to get this matter resolved. This account was a lost/stolen account that I reported to Eagle National Bank.",,Consent provided,Web,2016-10-31,Closed with explanation,Yes,Yes,CR2187573,350
2016-10-31,Credit card,,Other,,,Older American,Consent not provided,Web,2016-10-31,Closed with explanation,Yes,Yes,CR2187967,4085
2016-10-30,Credit card,,Transaction issue,,"For me, there was a single order at XXXX, but at Eagle National Bank there are multiple transactions posted on XXXX, XXXX, and XXXX. XXXX charged me multiple times in very odd amounts that do n't even match individual product prices. There were XXXX items ordered. A desk, a console, and XXXX bookcases. The desk arrived damaged ( crushed on a corner ), was returned, and replaced. The replacement arrived damaged ( crushed on a corner again and a large scratch ). The console table arrived damaged ( with a large scratch and ). When the XXXX bookcases arrived, but I refused to received them and they were sent back. XXXX send me emails that do n't even match what happened in reality. They show only XXXX item being refused even though both were. They show the desk replacement is still being shipped. It is a complete mess. 

I have called XXXX five times. Five times! I was promised corrections and credits. None of that happened. I emailed the CEO ( seriously ) and got a response that this issue would be resolved ( I kept the email ). I received one call from the executive office and called back three times. No response. No resolution. I should not be charged for items I did not receive and I should not be charged for damaged items. XXXX should have resolved this, but they have not. I am tired of dealing with this and just want a refund. I received damaged items ( they were not damaged from shipping, they were damaged by the manufacturer from what I can tell ). 

So I called Eagle National Bank to have the issue resolved. They told me that they would not do it. I have protection services on my account as well. The representative did not seem to care and told me that I had to work directly with XXXX. I have been working directly with XXXX but they are not resolving the issue at all. Eagle National Bank should be taking care of this and not telling me this is my fault. I ordered products that were either not received or were received damaged. I tried to resolve this issue and have wasted weeks on it, but no resolution and no one will help me. I just want this mess over with and I want a refund. Since I have only XXXX order at XXXX, anything to do with XXXX should just be refunded. I will never purchase from them again. Ever. And I am seriously deciding if it is worth keeping Eagle National Bank since they do n't even honor their own credit card agreement.",,Consent provided,Web,2016-10-30,Closed with explanation,Yes,No,CR2186116,1081
2016-10-30,Bank account or service,Checking account,Using a debit or ATM card,,"Hello, I am not sure who to get in contact with. My name is XXXX XXXX and I am XXXX in XXXX for the semester. During my 5 day vacation, I came to XXXX for a stay. I was robbed at knife point on XX/XX/2016 at around XXXX to go to an ATM to withdraw money after I went to a bar the same day of my arrival. They would not let me leave until after I had paid the absurd bill of XXXX XXXX for XXXX beers ( there was footage at the bar ). They forced me to cross the street to go withdraw money from my bank account. They withdrew as much as they could after they forcibly got my pin number from me. They withdraw the equivalent of {$740.00} from my account. They still wanted more and wanted me to go back in the bar with them. When I refused they got really aggressive so I started screaming for help. They ran away and I was able to get in a Cab to go back to my hotel. When I got to my hotel, I asked the attendant to call the police so that I could report the crime and to get a police report. He told me that they would n't be able to do anything for me because it was n't in the old city. After pleading with them for more than half an hour, the attendant finally agreed to go to the police station with me. When we got there, the police officer said that he could n't do anything for me and that I should go to the police station in the neighborhood where I was robbed. We took a cab to the city of XXXX where I was robbed. When we got to the other police station, they took my passport and had me stand outside for over 15 minutes. At that point, they had me sit down and a police officer dressed in a suit came and spoke to me and gave me XXXX options : - either he gives me {$330.00} back and I get no police report to report the crime - or I would have to come back to XXXX next week for a court hearing in order to receive the police report ( I am leaving XXXX on XX/XX/XXXX ) - I speak nor understand XXXX He then rushed me and said that I had XXXX minutes to make a decision. As I was calling my bank to have them be a witness to what they police officers were saying, an officer grabbed my phone and hung up. He then convinced me to take the money instead of getting a police report. The police officer dressed in the suit then had me write a "" contract '' which states that he gave me {$200.00} USD + XXXX XXXX. He would not give me any police report or receipt. I managed to get a picture of the contract that they had me write and the currency on the table. The police officer then said to me that "" its for proof when I go to the club owner that we reimbursed you some of the money so that we can get our money back '' ; which makes it seem as if they were in collusion/corruption with the bar and that it is something that is done often. They did n't offer to go to the bar and make an arrest or a police report, but that they would rather deal with it right there. The effort was not made to even leave the police station. I also managed to get a picture from standing outside the police station with a picture of the officers and the man in the suit. He then told me that I could n't go to any other XXXX Police XXXX to report the crime. 

The police station is XXXX XXXX XXXX XXXX located in XXXX and it was at XXXX ( local time ) on XX/XX/2016. I have the location of where I was forcibly taken to the ATM and I have the location and pictures from the Police Station. 

The Hotel that I am staying at will not even write a statement that I came to them after I was robbed, even though one of there attendants accompanied me to the XXXX police stations. The attendant himself said that "" XXXX. '' I contacted my bank but the response they gave me was inconclusive. They would n't give me police report but I have pictures with location stamps. 

I am not sure who else I should send this email to. Thank you.",,Consent provided,Web,2016-10-30,Closed with monetary relief,Yes,No,CR2185809,6112
2016-10-30,Credit card,,Balance transfer,,,,Consent not provided,Web,2016-10-30,Closed with explanation,Yes,Yes,CR2185894,3388
2016-10-30,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-10-30,Closed with explanation,Yes,No,CR2186124,4728
2016-10-30,Credit card,,Other,,,Older American,Consent not provided,Web,2016-10-31,Closed with explanation,Yes,No,CR2185906,27
2016-10-30,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-10-30,Closed with explanation,Yes,No,CR2185598,1082
2016-10-29,Bank account or service,Checking account,Deposits and withdrawals,,"1. On XXXX/XXXX/2016 - I received a security alert from Eagle National Bank ( XXXX ) that my banking password had been reset. I did not ask for a password reset. I immediately tried to log into my account and was unable to do. I finally got in touch with BA fraud unit. I was told they could not help me that I would need to go into a bank and identify myself. The bank was closed on XXXX/XXXX/2016 for XXXX XXXX. 
2. I went into the bank on XXXX/XXXX/2016. Showed my ID and my debit card ( which they kept ). I was told I needed to close that account and open another one. They were able to show me all of the fraudulent transactions that the predator had made. See attachment "" A ''. Another account was opened for me, a temporary debit card was issued and I was given the routing number and checking account number to give to my creditors to set up automatic draft for my bills as I have used with this bank for the last 25 years. I did so. 
3. On Thursday XXXX/XXXX/2016 - nine days later, I received a call at my home from BA Fraud Unit, after a series of questions I said to the person, these questions sound as if I am being indicted for what happened to my account. I was told, "" there is no way a person could have gotten into your account unless you gave them your pin number. '' I said to the person over and over "" I have never given anyone my pin number. '' The person again repeated the indictment. She told me I would have to go in and open another account. I told her I had done so already and the bank had sent me a new debit card. She put me on hold for a while, when she came back she repeated her indictment and also told me, "" You will never be able to open an account with Bank America again. '' I told her I did I did not want to, I just wanted my money they allowed someone to take from my account. I was told it was not likely that I would receive that money. After hanging up I went to take the funds from the new account to discover that Bank America had closed the new account as well. 
4. On XXXX/XXXX/2016 - I received a letter stating Eagle National Bank may report my account to the following reporting agencies : XXXX. XXXX XXXX XXXX XXXX XXXX or both. They further stated : "" This may affect your ability to open an account at another financial institution for up to seven years. Why does Bank America want to punish me a customer for them opening up another account in my name. Is this not a felony? 
5. Although I have contacted all of my creditors, I had automatic drafts to bounce and had to find money to pay all creditors. The check that goes to Eagle National Bank is an annuity check from my late husband. Because of this happening after the posting date, I will not receive a check until XXXX or XXXX. My bills still have to be paid.",Older American,Consent provided,Web,2016-10-29,Closed with explanation,Yes,No,CR2185709,715
2016-10-29,Bank account or service,Checking account,Deposits and withdrawals,,"I overpaid on my credit card with Eagle National Bank ( i.e. I had XXXX balance but forgot I already paid so I paid twice, resulting in net negative balance ). I then received a returned payment fee for {$26.00} for returned payment despite having sufficient funds in my checking account to pay for this from Eagle National Bank. After much complaining, charge removed but I think this is a predatory and if I had not had paid attention, Eagle National Bank would have made a quick buck.",,Consent provided,Web,2016-10-29,Closed with monetary relief,Yes,No,CR2185325,4621
2016-10-29,Bank account or service,Checking account,"Account opening, closing, or management",,"On Thursday XXXX XXXX, I was refused by three Eagle National Bank employees at their XXXX Branch my requests to open accounts - checking - savings - credit - debit - for the following : XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, both c/o XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
Previously, On date : Mon, XXXX XXXX, XXXX at XXXX XXXX I : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX sent to : XXXXXXXXXXXX a Request for Special Deposit Assistance by : XXXX as follows : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 11 days ago ) XXXX XXXX, XXXX XXXX XXXX XXXX , Chief Executive Officer Eagle National Bank XXXX XXXX XXXX XXXX XXXX , NC XXXX Request for Special Deposit Assistance I intend to open accounts today by SPECIAL DEPOSIT at the Eagle National Bank branch in XXXX Pennsylvania today. Recently, I was prevented to open Special Deposits accounts at a Eagle National Bank location by an employee who is not trained in banking law. Accounts include checking, savings, credit and debit cards etc for me and my XXXX, XXXX, Please allow convenient activation of both credit and debit cards at the branch office location for I travel or mail to my church address at XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Special Deposit Notices to Declared intent or purpose of this tender of payment as a Special Deposit order of the Payor and Beneficiary, and is to be credited to the depositor 's accounts as accord and satisfaction and payment in full of a discharge of any and all outstanding liabilities. 

It is my intent and purpose by a Special Deposit to merge the Legal and Equitable title to XXXX XXXX XXXX land and property, real, personal, tangible, intangible, corporeal and incorporeal to extinguish the debt and terminate the trust. Bond # XXXX XXXX XXXX XXXX XXXX. 

I am a XXXX, and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX, and I am listed in the alumni directory as simply priest. 

Blessings, [ red ink autograph ] XXXX XXXX : family-of-XXXX. 
These requests for Special Deposit checking and saving and credit cards was denied based on apparent fraud and intentional violations of the Emergency Banking Act of XXXX, and the Bank Secrecy Act, known as Dodd Frank. 

Special Deposit is defined at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, pages XXXX to XXXX, and by the book, XXXX on Banking.",Older American,Consent provided,Web,2016-10-29,Closed with explanation,Yes,No,CR2185413,3538
2016-10-29,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-10-29,Closed with monetary relief,Yes,No,CR2183794,3470
2016-10-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-29,Closed with explanation,Yes,Yes,CR2185482,3691
2016-10-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-10-29,Closed with monetary relief,Yes,No,CR2183863,10636
2016-10-29,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-10-29,Closed with monetary relief,Yes,No,CR2184719,3239
2016-10-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,I received my bank statement from Eagle National Bank on a XXXX that I recently opened. This card was supposed to help rebuild my credit. I put {$500.00} on the card. When I received the statement there was a {$39.00} annual fee that I was not informed about when I opened the account and a {$10.00} bank transaction fee? I called and spoke to several people as I kept getting transferred. First I 'm told I could have it waived. Then I 'm transferred to the wrong department and then told no it can not be. And no one could tell me where the {$10.00} transaction fee came from. I closed all my accounts. Horrible customer service. No wonder they 're listed as XXXX of the worst banks in XXXX.,,Consent provided,Web,2016-11-01,Closed with explanation,Yes,No,CR2184151,439
2016-10-28,Bank account or service,Checking account,"Account opening, closing, or management",,"On date : Mon, XXXX XXXX, XXXX at XXXX XXXX I : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX sent to : XXXXXXXXXXXX a Request for Special Deposit Assistance by : XXXX as follows : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 11 days ago ) XXXX XXXX, XXXX XXXX XXXX XXXX , Chief Executive Officer Eagle National Bank XXXX XXXX XXXX XXXX XXXX , NC XXXX Request for Special Deposit Assistance I intend to open accounts today by SPECIAL DEPOSIT at the Eagle National Bank branch in XXXX Pennsylvania today. Recently, I was prevented to open Special Deposits accounts at a Eagle National Bank location by an employee who is not trained in banking law. Accounts include checking, savings, credit and debit cards etc for me and my XXXX, XXXX, Please allow convenient activation of both credit and debit cards at the branch office location for I travel or mail to my church address at XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Special Deposit Notices to Declared intent or purpose of this tender of payment as a Special Deposit order of the Payor and Beneficiary, and is to be credited to the depositor 's accounts as accord and satisfaction and payment in full of a discharge of any and all outstanding liabilities. 

It is my intent and purpose by a Special Deposit to merge the Legal and Equitable title to XXXX XXXX XXXX land and property, real, personal, tangible, intangible, corporeal and incorporeal to extinguish the debt and terminate the trust. Bond # XXXX XXXX XXXX XXXX XXXX. 

I am a XXXX, and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and I am listed in the alumni directory as simply XXXX. 

Blessings, [ red ink autograph ] XXXX XXXX : family-of-XXXX. 

Yesterday, this request for Special Deposit checking and saving was denied based on apparent fraud and intentional violations of the Emergency Banking Act of XXXX, and the Bank Secrecy Act, knownn as Dodd Frank. 

Special Deposit is defined at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, pages XXXX to XXXX, and by the book, XXXX on Banking.",Older American,Consent provided,Web,2016-10-28,Closed with explanation,Yes,Yes,CR2183485,12643
2016-10-28,Bank account or service,Checking account,"Account opening, closing, or management",,"This Complaint is made against XXXX XXXX and XXXX Eagle National Bank. 
1. I make a consumer complaint with the Illinois XXXX XXXX XXXX against XXXX XXXX XXXX and Eagle National Bank for engaging in violation of the Illinois Consumer Fraud & Deceptive Act. 
2. XXXX XXXX in retaliation had XXXX XXXX 's Eagle National Bank accounts closed and XXXX 's XXXX Credit Card account XXXX XXXX XXXX XXXX which was in good standing and paided on time as agreed, I was never late paying on a credit card payment the entire time the Credit Card was issued. 
I also was advised that My checking account will be closed by Eagle National Bank before XXXX XXXX, 2016. 
XXXX XXXX XXXX and Eagle National Bank has engaged in retaliation for making a complaint with the Illinois XXXX office as a XXXX Senior Citizen, by closing out my Checking and Credit Card accounts.",Older American,Consent provided,Web,2016-10-28,Closed with explanation,Yes,No,CR2184251,2622
2016-10-28,Credit card,,Customer service / Customer relations,,"I had applied for a Eagle National Bank credit card. They issued a wrong card with different benefits. In fact the card they issued had no benefits at all. When i was talking to rep about it, i was mis informed that if i cancel the card without activating it or putting any charge on it, it would not be reported to the credit bureaus. That made cancel that card and another card for my wife which was never activated. @ weeks later both cards are on our credit report as closed by consumer. Not only are they not clearing that, they are not letting me re-open those cards. This is hurting my credit. When i called back to inquire about, they are brushing it off as mis information on part of the agent and not offering any solution.",,Consent provided,Web,2016-10-28,Closed with explanation,Yes,Yes,CR2184743,4771
2016-10-28,Bank account or service,Checking account,Problems caused by my funds being low,,I opened a bank account with EN XXXX ; about 1 month down the line I lostmy wallet and did n't realize my Eagle National Bank card was in there since I was still using my XXXX Account. I received my report from XXXX and it states that I Owe Eagle National Bank XXXX. I have never overdrawn any money out of that account. I want to file this complaint so we can get to the bottom of what happen to my Eagle National Bank account.,,Consent provided,Web,2016-11-01,Closed with explanation,Yes,No,CR2183761,4720
2016-10-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-28,Closed with non-monetary relief,Yes,Yes,CR2183939,3890
2016-10-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-28,Closed with explanation,Yes,No,CR2184127,2626
2016-10-27,Bank account or service,Checking account,Problems caused by my funds being low,,"I had to withdraw a sum of cash from my checking account with Eagle National Bank. I had calculated how much I could with draw and cover an online debit against my account. I miscalculated. The debit occurred and overdrew my account by {$.00}. Eagle National Bank sent me an email saying there would be no charge. Then they charged me {$35.00} and then an additional {$35.00} the next week for the overdraft. I have been a long time customer of Eagle National Bank ; since they bought my original bank in the late XXXX. I have never complained. I called Eagle National Bank. They refunded {$35.00} but refused to reimburse the additional {$35.00}. I find this highly excessive -- {$.00} overdrawn generates a {$35.00} fee. I spoke with a manager, XXXX XXXX, and he refused my request. This is beyond usurious. I am retired and on a fixed and limited income. I pay {$16.00} a month for the priviledge of allowing Eagle National Bank to "" manage '' my money. This is a drop of water to the XXXX dollar Federally regulated Eagle National Bank corporate entity. It could have easily been remedied by XXXX XXXX but he stonewalled me with corporate policy ( that he would not provide me ) and the he was the final appeal for me on this issue ( although he did give me the name of his manager who I feel would have been an avenue for my appeal. )",Older American,Consent provided,Web,2016-10-27,Closed with monetary relief,Yes,No,CR2182953,1697
2016-10-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"In XXXX 2013 I got letter from Eagle National Bank that my mortgage with them sold to XXXX. And the letter was saying all my payments should go to XXXX in Texas. I had first mortgage payment of {$4300.00} and line of credit payment of {$33.00}. Both of these payments I did send to XXXX. Later I was shocked when Eagle National Bank sent me letter I was way to late on my line of credit payment of {$33.00}. I did contact them and explain that BOFA letter was saying all my mortgage payments goes to XXXX. But Eagle National Bank respond was : '' not my line of credit '', which is letter did n't specify. Now my credit score damaged, because of this issue. All my communications with BOFA to try to remove issue from credit report went to dead end-no cooperation at all. Please help me to remove this item from my credit report for XXXX and XXXX of 2013. Thank you.",,Consent provided,Web,2016-10-27,Closed with explanation,Yes,No,CR2182910,12468
2016-10-27,Bank account or service,Checking account,Using a debit or ATM card,,"My debit card information was somehow stolen around XX/XX/2016 and someone was able to spend {$460.00} from my account over that weekend. Eagle National Bank 's automated system contacted me on Sunday about unusual activity on the account so I checked my transactions and noted several purchases pending that I did not make. A claim was opened and within XXXX weeks Eagle National Bank concluded their investigation and determined that the charges were valid. I do n't know how Eagle National Bank made this determination but it is completely incorrect. I am a victim of fraud and I did not make those purchases. To add insult to injury I lost my job and that direct deposit that the fraud was taken from was to be utilized to pay my rent and a couple of other expenses. I have never actually had fraud successfully happen to me due to the bank catching it ahead of time. This time the bank was n't successful and I am disgusted with Eagle National Bank 's so called fraud process, decision and their company as a whole.",,Consent provided,Web,2016-10-27,Closed with monetary relief,Yes,No,CR2180891,789
2016-10-27,Credit card,,Other,,"I wrote a letter to Target asking the company to provide me proof of my written signature. They in turn sent me a bill. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a bill in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a bill instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports",,Consent provided,Web,2016-10-27,Closed with non-monetary relief,Yes,No,CR2182675,3843
2016-10-27,Credit card,,Billing disputes,,"My problem is that Target was supposed to issue a refund to my card or a gift card for a claim that I submitted for defective sheets. I provided all of my documentation. 5 months later and I still do not have it. A lot of people around me have received their refunds, but I have n't received mine. I have sent a certified letter to Target letting them know of an impending small claims suit for the maximum amount that the law allows.",,Consent provided,Web,2016-10-27,Closed with explanation,Yes,No,CR2179728,1023
2016-10-27,Credit card,,Billing disputes,,"On XX/XX/XXXX, I received five email notifications confirming multiple profile changes from an Administrator regarding my EN account. Each occurrence transpired within 2-3 minutes per transaction, totally XXXX. For clarification purposes, I immediately contacted customer service to advise them of these unauthorized account changes. To my dismay, the service rep was "" unable '' to explain and/or determine the cause. However, in order to remedy the situation an immediate "" close '' on the account was recommended and processed. Since then, I received XXXX new cards separately during a 2 week interval. It is my belief and opinion that this account was internally tampered with. 
Recently, I experienced significant inconveniences as it relates to an "" alleged '' missed payment for XX/XX/XXXX. Incidentally, I have maintained this account ( along with several ) with efficiency and integrity since XX/XX/XXXX. Barring two instances ( including this one ) where they claimed a "" 30-day '' payment delinquency on XX/XX/XXXX, XX/XX/XXXX, including the recent XX/XX/XXXX was NOT in default on my part yet processed as such. Additionally, no courtesy call was made to advise me of such. Instead, I received two letters ( dated XX/XX/XXXX ) from the Senior Vice President ( in an attempt to collect a debt? ) stating that my account was past due. Apparently, this unwelcomed communication served as another exhaustive and financial mitigation with Eagle National Bank - as I had previously submitted this payment every XXXX of the month, due by XX/XX/XXXX. Upon bank verification status, which was not posted but clearly the gap in the check # s ( sent on XX/XX/XXXX for {$85.00}, check # XXXX ) is indicative as in the past was actually issued on my part. 
Despite attempts to assure EN that this unfortunate delinquency was not my fault, immediate payment plus {$35.00} late fee AND a decrease in my credit limit from {$4700.00} to {$3300.00} became instantaneous. 
With due reservations, I issued another check ( on XX/XX/XXXX ) for {$100.00}, then a replacement check to the {$100.00} for {$140.00} ( on XX/XX/XXXX ) since they "" claimed '' to not have received any payment as of XX/XX/XXXX. Surprisingly on XX/XX/XXXX I was conducting an online bank transaction and noticed a pending post of {$240.00}. Upon verification with my bank, I requested a stop payment for the {$100.00} as I realized EN received and held the missing check to include with the {$140.00} payment. My bank was unable to interrupt the payment, but advised I request a refund from EN. 
The following morning ( XX/XX/XXXX ) I contacted Eagle National Bank to express grave dissatisfaction in reference to the recent events and requested an immediate reversal - {$100.00} refund, credit limit upgrade, collection debt status removed from credit bureau. Due to the level of request, I was transferred to a manager who only offered to send a business check in 7-14 days. 
It is truly unfortunate to have experienced this level of impropriety, especially as a loyal customer during the past ten years. On another note, I felt this account should 've been paid off but was unable to obtain my payment history from EN as they claimed no information beyond three years is saved.",,Consent provided,Web,2016-10-27,Closed with monetary relief,Yes,No,CR2179334,11147
2016-10-27,Credit card,,Identity theft / Fraud / Embezzlement,,"While reviewing my credit report, I came across a revolving account I did not recognize. The following credit item does not belong to me : XXXX partial account number : XXXX I have never applied to this company for credit.",,Consent provided,Web,2016-10-27,Closed with explanation,Yes,No,CR2181403,2966
2016-10-27,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-10-27,Closed with monetary relief,Yes,No,CR2181955,1363
2016-10-27,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-10-27,Closed with monetary relief,Yes,No,CR2179333,152
2016-10-27,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-10-27,Closed with explanation,Yes,No,CR2183130,3707
2016-10-26,Bank account or service,Checking account,Problems caused by my funds being low,,"Background : XX/XX/2016 I was the victim of check fraud while I was out of the country. Eagle National Bank reimbursed me the entire amount within 48 hours and I was very happy with their promptness. I 'm a XXXX Veteran and receive both VA and XXXX so my income while not poverty level, it is fixed. 
The problem : on XX/XX/2016 as I was checking in to a hotel XXXX miles from home I was told my visa debit card was declined. When I checked my account I was stunned to see that there was a {$600.00} debit that wiped out my account and caused an overdraft of over {$300.00}. More shocking news considering I had no idea what had happened and thought I was a victim once again of fraud. I called the bank and after an hour on hold and being rerouted three times I was informed that I had been overpaid when they reimbursed me and they took their money back. No warning, no emails, no phone call and no letter. I begged and pleaded with the fraud dept to please hold off until my social security check came so I would n't have to borrow money to cover the overdraft. I was informed that they "" had the right to take their money whenever they wanted ''. End of discussion. I had money sent to me and I covered the overdraft. Needless to say I was embarrassed, shocked and in the throes of an anxiety attack at this point. I felt victimized again. The fraud dept. at Eagle National Bank treated me like I had done something wrong even though they never notified me of an overpayment. I do n't even know if they 're correct. I 'm assuming they are and I was n't trying to get something that was n't mine. I was shocked at their treatment of a XXXX XXXX who has been their customer for 20 years. It seems to me that none of this should have happened to begin with if the fraud dept had done their job in XX/XX/XXXX when the checks were written. I had informed the bank that I would be in XXXX for two weeks and over {$4200.00} in checks were written in the XXXX XXXX XXXX XXXX while I was gone. I 'm angry and upset over the way I was treated. They took their money as is their right and I will be taking my money out of their bank and closing my account as is my right too.",Older American,Consent provided,Web,2016-10-26,Closed with monetary relief,Yes,No,CR2180148,3538
2016-10-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,I received a notice from XXXX XXXX increasing my Credit Card APR for not making a payment for the last 60 days. I was also reported to the credit bureau 60 days late. I have spotless credit and have worked hard to keep it that way. I just refinanced my auto loan with Eagle National Bank. I need you to look into the matter concerning the recurring bill pay for XX/XX/XXXX that was not paid and the payment in XX/XX/XXXX that was cancelled ( not by me ). Please provide me and XXXX XXXX and explanation and kindly request to XXXX bank they remove the 60 days late as this was not my fault but a glitch in your system.,,Consent provided,Web,2016-10-26,Closed with explanation,Yes,Yes,CR2179696,4372
2016-10-26,Bank account or service,Checking account,Using a debit or ATM card,,my account was hacked i notified the bank when i realize my money was taken out and a fraudulent check was put in my account.the bank reimbursed me now telling me the money withdrawl was ok. which wasnt the case. it was Eagle National Bank,,Consent provided,Web,2016-10-28,Closed with explanation,Yes,No,CR2179931,2362
2016-10-26,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,"XXXX First, Assistant VP of Eagle National Bank at their XXXX XXXX XXXX, XXXX XXXX, MO XXXX branch, seized a personal check made payable to me when I tried to cash the check. Refused to give it back to me and said it was their property, not mine, because the check was written by a Eagle National Bank account holder.",,Consent provided,Web,2016-10-26,Closed with explanation,Yes,Yes,CR2180541,3588
2016-10-26,Credit card,,Identity theft / Fraud / Embezzlement,,"I have contacted Eagle National Bank NUMEROUS times about identity theft I was experiencing. Eagle National Bank still refuses to cooperate and remove the fraudulent account from their systems and my credit report. I have submitted police reports, my identifying information, and proof of military service to them repeatedly. They keep claiming I am responsible for the credit card even after proving I was not even in the country. I was XXXX at the time the credit card was opened. Despite my diligent efforts, Eagle National Bank refuses to remove the debt and ask the credit bureaus to remove the fraudulent account. Currently there is a balance owed of over XXXX on the card. I have spoken with managers and representatives with no resolution. My next step will be legal action through the necessary courts for a lawsuit.",Servicemember,Consent provided,Web,2016-10-26,Closed with explanation,Yes,No,CR2177294,3948
2016-10-26,Credit card,,APR or interest rate,,"I recently noticed on my Eagle National Bank credit card statement that interest was charged that was different from that which had been advertised, and the APR was shown incorrectly. 

I had responded to a balance transfer offer that specified an interest rate of "" XXXX plus 0 % Promotional Rate for the life of your balance transfer ''. 

The most recent statement shows that Promotional Rate, with Promotional Rate End Date as "" No End Date '', but lists Balance Subject to Interest Rate as "" {$0.00} ''. Instead, there is another line for Fees showing a "" XXXX Interest Charge ''. 

Eagle National Bank regularly sends "" Notice of Change In Terms '' to me. One of them stated : "" If the total of the Periodic Rate Finance Charges for all balance categories is less than {$1.00}, then a minimum Finance Charge of {$1.00} will be assessed on the account in lieu of any Periodic Rate Finance Charge ''. 

Thus this fee is described as a finance or interest charge and should be included in the calculation of APR to be disclosed on the statement ; such a higher APR is not in accord with the advertised promotion. 

Another "" Notice of Change In Terms '' stated that "" ... the amended agreement ... will apply to the total outstanding balance, including the balance existing before the amendment became effective ''. It is not clear that such an amendment can modify a specific advertised promotion with an advertised ending date, as that would constitute deliberate false advertising. 

Please look into this.",,Consent provided,Web,2016-10-26,Closed with explanation,Yes,No,CR2180379,7724
2016-10-26,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a new checking account with Eagle National Bank on XX/XX/2016 with an ongoing promotion. Even though I applied online I was asked to come to branch to finish account opening. Once in the branch I pretty much had to disclose all the information I already gave online again, I asked them to confirm {$250.00} bonus promotion for having direct deposit for XXXX consecutive months or XXXX bill pays/month for 3 months and they confirmed I am enrolled. They also mentioned I would receive a {$50.00} direct deposit bonus once I receive my first direct deposit. Surely I received my {$50.00} direct deposit bonus on XX/XX/2016. I kept paying bills using this account and also kept my direct deposits. Upon meeting requirements in XX/XX/XXXX I asked them when I would receive the {$250.00} bonus via a customer message and they told me that because I received a bonus already in XX/XX/XXXX I am not eligible. I explained that noone mentioned this when I was in the bank, if this was the case why was the direct deposit even an option noone would choose {$50.00} over {$250.00}. Asked them to revert the first bonus and instead give me the one I am already eligible for but I was denied. If I knew this would be case I would have avoided direct deposit all together.",,Consent provided,Web,2016-10-26,Closed with monetary relief,Yes,No,CR2177078,2919
2016-10-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-28,Closed with monetary relief,Yes,No,CR2180140,12092
2016-10-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-26,Closed with explanation,Yes,No,CR2179479,926
2016-10-26,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-10-26,Closed with monetary relief,Yes,No,CR2180575,13071
2016-10-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,"As a Eagle National Bank customer, I got automatically enrolled in the Eagle National Bank Privacy Assist program in XX/XX/XXXX and was charged $ XXXX/month since then. I saw the press release published at : XXXX I canceled my account today ( XX/XX/XXXX ) and wanted to get a full refund starting with XX/XX/XXXX. The customer representatives from EN Privacy Assist stated that my account was not affected by the "" unfair billing practices '' mentioned in the press release, i.e., I was not part of XXXX customers. Would it be possible to confirm that this lawsuit affected only a subset of Eagle National Bank Privacy Assist customers, or am I being deceived by the Privacy Assist team?",,Consent provided,Web,2016-11-01,Closed with explanation,Yes,No,CR2178200,3933
2016-10-25,Bank account or service,Checking account,"Account opening, closing, or management",,"I was victim of fraud due to some fraud activity which has happened through ( XXXX ) online, due to the mistake of Bank ( Eagle National Bank ) my report has been generated in XXXX and my checking account has been closed. 

I am explaining the background of the issue along with all supporting documents and let me if you require additional details. 

Back ground of Issue : On XXXX/XXXX/2016, I have received a letter along with check of {$1700.00} from XXXX to do some customer survey on XXXX XXXX and XXXX XXXX money transfer services. 
On the same day I deposited the same check into my Checking account from Eagle National Bank ( Account # : XXXX XXXX ) and it will clearly showing that check has been deposited on XX/XX/XXXX. The next day bank has put this particular check on hold and its clearly mentioned it will get approved on XXXX/XXXX/2016 i.e. 10 days. 

On XX/XX/XXXX bank has approved this transaction and funds were available {$1700.00} in my account, so on the same day I withdrew money of {$1500.00} and did the customer survey as they have mentioned in the letter. 

I also attached the copies of receipts for the money transfer I have done through XXXX and XXXX XXXX on XX/XX/XXXX. 

After 45 days I received a letter from Eagle National Bank, stating that this particular check which has mentioned above was not paid and returned back and asking me to pay the money of {$1700.00}. Then i visited the local Eagle National Bank branch with the letter and explained my situation and they accepted their mistake since they have approved check after 10 days of hold, however they told they cant do anything except charging the money to customer. 

After 2 months they submitted the report to all agencies like XXXX and XXXX which results to closing my checking account and denying to opening new account with any other banks. 

Last month I requested report from XXXX and XXXX, now i am requesting with all the above explanation to remove my report and allow me to open a bank account. 
It is totally because of banks fault, they have made funds available after the 10 days hold on this particular check, so I thought it was a valid and check and withdrew money. If the bank was n't approve the money after 10 days of check verification, I would n't have transferred money to other parties. Other than that I did n't do any fraud or cheat in any aspects. 
Finally what I wanted to convey you is I am not a fraud and did n't commit any fraud activities, I was a victim of fraud that too due to banks mistake and some strange persons cheating. 
Please consider this, and remove report from XXXX and XXXX as i was suffering from fraud activity and being without bank account more than one and half month ( my salary also in pending since i dont have bank account ) that too i did n't do anything intentionally to cheat bank or any other financial institute. 
All the supporting documents will be provided, if required. 
Appreciate your support in this regard Thanks in Advance, XXXX XXXX ( XXXX )",,Consent provided,Web,2016-10-25,Closed with explanation,Yes,No,CR2178981,12144
2016-10-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Threatened by Eagle National Bank ( BofA ) with foreclosure proceeding regarding a HELOC account in which I was behind on my payments. i was sent a letter from BofA on XXXX/XXXX/16 listing 5 options available to me from BofA to prevent a foreclosure sale of my property which I have owned for 30 years. Option 1 was a "" Full Payoff '' which I decided to do. I asked for a payoff statement and received it on XXXX/XXXX/16 which was good thru XXXX/XXXX/16. On that statement was an additional amount of {$4000.00} added by the bank as "" uncollected fees ''. In talking to someone at BofA they stated that was for a loan modification. I had called the bank on XXXX/XXXX/16 telling them I would be sending a full payment and did not want to do a "" Loan Modification ''. I was told not to worry as the {$4000.00} fee would be deducted if a "" Full Payoff made. I sold my house of 30 years to an investor who paid Eagle National Bank on XXXX/XXXX/16 the full amount owed including the Loan Modification fee. I have been trying to call BofA for the past 5 days to discuss this issue, but I am unable to get thru to a live person. All I get is a recorded messages which send you in an endless circle of transferred calls. Any help you can provide would be greatly appreciated.",Older American,Consent provided,Web,2016-10-25,Closed with explanation,Yes,No,CR2177498,3352
2016-10-25,Credit card,,Advertising and marketing,,"I applied for Eagle National Bank XXXX XXXX Visa Signature card, which was prominently advertised as having a XXXX mile sign-up bonus and {$100.00} statement credit as incentives after {$1000.00} in spend on the card. I was informed that I was approved for the card, and at no point did they mention that I had actually been approved for a different product. Fast forward to me having met the spending requirements, and I find out I had actually been approved for the XXXX XXXX Visa Platinum card, which only offers a XXXX miles bonus and no statement credit. 

The physical appearance of the XXXX cards are nearly identical ( the only difference being a small word "" signature '' or "" platinum '' in the bottom-right corner ). The only mention that you might be considered for alternative products is buried deep in the fine print of the application ( I had to go find it after the fact ), and there is no way to opt out of consideration for the alternative product. I have never seen any similar process with any other major card issuer ( and I have had cards from XXXX, XXXX, and XXXX XXXX ). This feels like a deliberate bait-and-switch, and many other feel similarly, from reading online.",,Consent provided,Web,2016-10-25,Closed with explanation,Yes,No,CR2175802,1209
2016-10-25,Credit card,,Closing/Cancelling account,,"Opened a XXXX XXXX XXXX Bankamericard World Mastercard account XX/XX/2016 to assist with my new business. I also sent in the form for automatic payments from my bank account to ensure that payments were on time and my credit remained good. I noticed today on my statement which I received XX/XX/XXXX, that there was a late fee. I called to see why a late fee was charged as I had automatic payments set up from my bank account and therefore there should be no late payments. The customer service representative said she could find no record of my automatic payments and I was also going to be charged another late fee for missing the payment date XX/XX/XXXX. She believed me about the payments I believed were being automatically taken from my checking account and offered to remove the late fees ( XXXX ). She discovered that my credit card account had been closed a month after I received it, ( XX/XX/2016 ), for the reason "" that I had other sources of credit ''. She said a letter had been sent. I did not receive such a letter and was shocked to hear this. I asked if I could talk to the manager of customer service and was put onto XXXX XXXX. 
XXXX asked me if I had looked on my statement. I told her I am very vigilant about looking at my statement and that the late charge I had just seen on my statement was why I called in the first place. There was nothing on this or my other statements telling me the account was closed. This may be the reason the automatic billing was not put in effect. I believe that consumers should have information as important as cancellation on their statements and that my late charges should be forgiven due to the circumstances of my believing I was on an automatic payments system. Even more important, my credit should not be impaired for events I was unaware of and could not remedy. I also do not understand why a card was given to me in the first place if it was going to be cancelled the next month.",Older American,Consent provided,Web,2016-10-25,Closed with explanation,Yes,No,CR2178748,4975
2016-10-25,Credit card,,Sale of account,,"This is a follow up to dispute : XXXX Eagle National Bank contacted me 3 times regarding the above mentioned CFPB dispute. They contacted me once by phone, once by email and a third time by phone. I was able to pickup the call on the third time and talk to an agent that mentioned to me that Eagle National Bank attempted to contact me ONCE in XXXX of 2015 to settle the debt associated with my credit card prior to submitting me to collections and charging off this account. 

Eagle National Bank is notorious for deceptive practices such as this. It 's very easy for a Bank to utilize rules and laws to benefit themselves, charge off bad debt, transfer debt over to third parties for collection and access fees all under the pretense that they attempted to contact me ONCE.",,Consent provided,Web,2016-10-25,Closed with explanation,Yes,Yes,CR2178017,8506
2016-10-25,Credit card,,Identity theft / Fraud / Embezzlement,,XX/XX/2014 I forced into purchasing a time share owned by XXXX XXXX at the time I was forced and when my husband and myself wanted out they refused. So we were charged by Eagle National Bank {$2900.00} and they refused to help. Eagle National Bank has a link to XXXX XXXX and refuses to help. It was fraud and Eagle National Bank is refusing to corporate with us. My husband and I just want our money returned and case closed please.,,Consent provided,Web,2016-10-25,Closed with explanation,Yes,No,CR2177431,1368
2016-10-25,Bank account or service,Checking account,Deposits and withdrawals,,"In XX/XX/XXXX, I received a bill from my dentist for {$270.00}. I have him set up on the EagleBank bill pay service with the correct payee and correct address. EagleBank apparently works through XXXX and I believe it is XXXX bank in XXXX, WI to transmit payments. I paid the dentist through the Bill pay link and later was informed that the payment "" cleared '' on or about XX/XX/2016. Despite this my dentist continued to seek payment from me and initially when I looked to secure proof of payment, I received only the front portion XXXX my bank does not provide both sides of paper checks written out through its bill pay service ) of the negotiated check. Eventually, in XX/XX/2016, I received both sides of the check which is annexed. Any review of the check will reveal that wile it is made out to a dentist it was cashed by an auto parts place. It was never properly payable to a car parts place. Eagle has known of this since at least XX/XX/2016, and refuses to restore the money improperly debited from my account until they secure the money from some place else. While they call every so often to provide a status, the simple fact is that they or their agent wrongfully paid out on a check despite the endorsement very clearly reflecting that it was not properly payable to the entity to which they furnished my funds. They have no right to insist that they recover their money before restoring the money wrongfully taken from me.",,Consent provided,Web,2016-10-27,Closed with explanation,Yes,No,CR2177000,2332
2016-10-25,Bank account or service,Checking account,Problems caused by my funds being low,,"I have a pending transaction in my account and transferred funds to cover it the same day, Eagle National Bank processed the debit before credit then charged me {$35.00} overdraft fees. On the XXXX i did another deposit/transfer of {$200.00} for some XXXX bills i wanted to pay and they did the same thing, processed the debits before the credits and charged me another {$35.00} hence effectively ensuring transactions are not processed the way they come in. I THOUGHT IF I WANTED TO SPEND {$20.00} ON MY CARD, STOPPED AT A BANK AND DEPOSITED THE {$20.00} I SHOULD N'T BE charged when i used that card??? Not Eagle National Bank",,Consent provided,Web,2016-10-27,Closed with monetary relief,Yes,No,CR2177102,1364
2016-10-25,Bank account or service,Checking account,Problems caused by my funds being low,,"I received my Direct Deposit on XX/XX/2016 the amount deposited was over XXXX dollars. When I checked my balance Eagle National Bank had over drawn my account XXXX or more. When I called in to speak to the customer service representatives they were helpful and one rep replaced only XXXX dollars. I called back and spoke to a supervisor who only replaced XXXX dollars. for a grand total of XXXX dollars of my monies returned. 

Not to mention none of the items that they returned was paid.",,Consent provided,Web,2016-10-25,Closed with explanation,Yes,Yes,CR2178014,4640
2016-10-25,Bank account or service,Checking account,"Account opening, closing, or management",,"In early XXXX 2016, I establihed a cross-border account with Eagle National Bank, N.A., XXXX. XXXX XXXX, XXXX, XXXX XXXX. The account showed up on the Eagle National Bank website with my XXXX accounts. I was told the account would not be open until 1. Sent back the signature card -- which I did not 2. Put a {$100.00} into the account -- which I did not I did not know how to use the account. I needed to take the time to speak to someone knowledgeable. 
The computer in error sent a statement for the unopened account I was charged {$1.00} I went in to the system and switched to online billing. 
The collection department demanding payment of {$36.00} told me the account should have been closed automatically within 30 days ( by the beginning of XXXX ), since I did not do # XXXX and XXXX, above. 
I received a letter dated XXXX XXXX. The letter demanded payment of {$36.00} for fees and overdraft charges. I paid the demand on XXXX XXXX, 2016, by giving the person in the collection department my XXXX account number to my XXXX XXXX XXXX account. 
The account is now closed. 
I have been told on XXXX XXXX, 2016, that Eagle National Bank is going to keep the {$36.00}, which by their own admission should not have been charged for an account that was never opened. They admit the computer automatically sent a statement, even though the account was not open.",Older American,Consent provided,Web,2016-10-27,Closed with explanation,Yes,No,CR2178137,2029
2016-10-25,Credit card,,Credit card protection / Debt protection,,"Fraudulent Transaction Description ( Summary ) - We were involved in a fraudulent transaction ( rented a property for the weekend ; without our authorization the owner canceled the reservation and we never got a refund ; see detailed explanation below ) - We disputed the charges / situation with the owner of the property and the company that provides the renting platform ( XXXX ) - XXXX recommended that we file a complaint with our Credit Card Company / Bank because they do n't get involved in any type of disputes - We filed the dispute with our Credit Card Company / Bank ( Eagle National Bank / EN Card Services ) Complaint about Eagle National Bank ( XXXX Card Services ) ( 1 ) The card issuer, EN Card Services, did n't provisionally credit the disputed charges ( breaking their Zero Liability Policy that is stated in the EN Personal Card Agreement ) ( 2 ) The card issuer, EN Card Services, did n't perform a thorough investigation - Since the day the case was opened and I sent all the required back up information, I pretty much called every week to find out the status of my case - For more than two months, EN Card Services would n't provide an update - Finally, when I called again in the week of XX/XX/XXXX ( they basically realized it had been over two months ) they looked at my case and shortly after reviewing it, told me that it was rejected - I waited for over two months for them to perform an investigation and mysteriously, when they realize my case is past due, they complete / close an investigation in a matter of minutes and do n't provide a refund ( 3 ) The card issuer, EN Card Services, did n't complete its investigation within two complete billing cycles of receiving the dispute - Case Opened : XX/XX/2016 - Case Closed : XX/XX/2016 - Billing Cycle : Closed on the XXXX of every month Fraudulent Transaction Description ( Detailed ) - On XX/XX/2016, rented a property through XXXX for a weekend stay from XX/XX/2016 to XX/XX/2016 - Had some unforeseen events and aware of the 30 day cancellation policy, we inquired about a potential cancellation and kindly offered to discuss the alternatives with the rental owner as stated in the XXXX website - Without consulting us, the rental owner took the executive action of cancelling our reservation and informed us about the partial refund he would provide - After seeing the unauthorized actions taken by the rental owner, we immediately reached out to him and clearly pointed out that we did n't agree on the cancellation / partial refund and kindly offered to discuss other potential solutions - The rental owner was really unresponsive and even though we sent multiple emails kindly requesting to jump on a call to discuss the situation ( asked 3 times ) and offered potential solutions ( we even mentioned that "" fewer of us might end up going '' ), the rental owner replied 2 times informing us about the actions he had taken and never accepted our request to discuss the situation over the phone or offered to jump on a call with us - We finally got onto a phone call with the rental owner on XX/XX/2016 ( approximately 5 days after our first email ) and after discussing the situation, the rental owner told us that he would refund us the full amount - Unfortunately, the rental owner later on sent us an email telling us that he had reversed his course and that he would n't refund us because of the policies - In the final email to the rental owner, we clarified that we were not arguing against the policies ( which we were aware of and stated in our first email ), but that we were arguing against the executive action he took to cancel our reservation when we DID NOT instruct him to do so and highlighted that IF WE WANTED TO CANCEL the reservation, we would have done it from our end, following the instructions offered by XXXX - We filed a complaint with XXXX and they recommended that we file a complaint with our Bank",,Consent provided,Web,2016-10-25,Closed with monetary relief,Yes,No,CR2178130,425
2016-10-25,Credit card,,Balance transfer,,"I called Eagle National Bank where I hold several accounts to apply for a line of credit with their Visa card. I specifically told the representative that I wanted to do XXXX balance transfers. He said that "" would be no problem '' and "" even if the line of credit does n't cover the balance transfer amounts, they would approve it '', "" do n't worry about it ''. The call was recorded. They proceeded to approve me for {$5000.00} line of credit which did not cover the balance transfers. Assured me they would approve these transfers, and proceeded to end the call. I called 7 buisness days later to find out, the balance transfers were rejected, but I had an open line of credit for {$5000.00} with a high APR. The balance transfers are 0 % APR. When I brought up the complaint, I spoke to a supervisor, and was told the matter was "" being looked into ''. I now have to close an account I will not use and they ran my credit with assurances that I would have my balance transfers accepted. The supervisor ID that was handling the matter was # XXXX on XXXX XXXX and XXXX XXXX # XXXX. The matter is still being looked into as the conversations were recorded. In conclusion, I opened a credit card with false pretenses, which later I had to cancel and does show up on my credit report. As noted above, I was able to obtain employee ID numbers of everyone I spoke to. When I called my third time to close the account and inform them I am filing a formal complaint with CFPB, the employee would not offer me his employee ID number. Only name and extension.",,Consent provided,Web,2016-10-25,Closed with non-monetary relief,Yes,No,CR2178393,530
2016-10-25,Credit card,,APR or interest rate,,"I contacted Nordstrom credit to ask for an evaluation of my interest rate. The default rate is 31 % and can be implemented any time a customer falls behind. 
However, I was told that the system would not allow an eval and Nordstrom is unable to do any evals for at least the next few months. I asked if customers lower rate would be retroactive ... I was told they cant even access the tool to determine if a rate adjustment is possible. The agent could not even XXXX me a timeline as to when the system would be working again. 
Why are customers expected to pay extra for months without any way to re-evaluate? If that is the case, Nordstrom should not be allowed to raise interest rates until the entire system is fixed. I was told Eagle National Bank is running the system -- seems strange they can not get things corrected when they are up and running branches and other services every day. 
These default rates are robbery -- but to be forced to continue to pay higher rates with no way to reduce or even be considered..is fraud. If you multiply the extra charges over thousands of customers..it could be substantial profit for the company while being a hardship for people struggling to pay their bills on time and catch up late payments.",,Consent provided,Web,2016-10-25,Closed with explanation,Yes,Yes,CR2178787,4435
2016-10-25,Credit card,,Advertising and marketing,,,,Consent not provided,Web,2016-10-25,Closed with explanation,Yes,No,CR2178254,9616
2016-10-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,Other,Web,2016-10-25,Closed with explanation,Yes,No,CR2175553,1618
2016-10-25,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-10-27,Closed with monetary relief,Yes,No,CR2178591,410
2016-10-24,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank charged an overdraft fee of {$35.00} for a transaction that did not overdraft the account. I have attached a download of the transactions with the transaction in question highlighted. As you can see there is a balance of {$62.00} after the transaction is processed. I have also attached the email indicating I was charged a fee. This is clearly an error, or more likely an intentional fleecing of the customers of this giant corporation.",,Consent provided,Web,2016-10-24,Closed with monetary relief,Yes,No,CR2175652,13751
2016-10-24,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,"I Bank with Eagle National Bank. When I am having a check direct deposit into my account, it does not tell me the amount I am receiving from my employer. It says employers name and amount of XXXX cent until it clears. my check was deposit in on Friday morning. here it is Monday and the check still has n't been cleared and I still cant see my amount that was direct deposit in. My other bank tells me the amount shown as soon as a check is direct deposit in. why cant ban of America have this feature as well?",,Consent provided,Web,2016-10-24,Closed with explanation,Yes,No,CR2175409,1512
2016-10-24,Bank account or service,Checking account,"Account opening, closing, or management",,"I had a Eagle National Bank account, and they decided to close my account without notice. I called to let them know that those charges, and fees were not mine or authorized and they proceeded not to help me. Since, my account has been sent collections, and i lost funds that were taken from me. This happened a couple months ago, but i have not gotten around to it till now, because I lost my job, and my father this year alone. I been going through the hardest times of my life, and now this and the bank cant help me. I been a customer with Eagle National Bank since 2006. I wish these banks had better interest in their customers and their needs. Money is evil, and i work hard and live day by day to get by. I just want the bank to fix this and reopen my account and refund me the money taken. I love the Eagle National Bank family and would love to stay in it.",,Consent provided,Web,2016-10-24,Closed with explanation,Yes,No,CR2176123,3883
2016-10-24,Bank account or service,Checking account,"Account opening, closing, or management",,In XXXX of XXXX I had fraudulent activity go through my account with Eagle National Bank I reported the fraud and got an internet claims number but was unable to file claim on the checks that were in my account as they had not posted yet unbeknownst to me Eagle National Bank and XXXX XXXX violated my privacy by going into my account without informing me of them doing so and closing all accounts both personal and business affected and unaffected they also reported me XXXX early warning as someone who has been tried and convicted of defrauding the bank in XXXX of XXXX I was made aware that I was being investigated for fraud buy a detective XXXX XXXX of the XXXX XXXX XXXX XXXX Department I was also informed at that time that the XXXX XXXX XXXX XXXX Department and the XXXX Indiana Police Department we 're looking for me regarding this matter it was not until XXXX XXXX that I learned of the officers and of the investigation and charges being brought up against me stemming from the accusation from Eagle National Bank and XXXX in XXXX of XXXX when I reported the fraud Eagle National Bank and the XXXX department did nothing to help me resolve this matter they threw their customer under the bus and did nothing when I learned of the reporting to early warning I wrote a letter to Eagle National Bank asking them to remove me from the early warning as the reporting is wrong Eagle National Banks rebuttal statement was more toward severing the banking relationship between myself and Eagle National Bank however no mention of the officers or the municipalities or the investigation was even entered into these notes since that time I have worked closely with all three municipalities and have shown them proof that I did not do a Eagle National Bank 's XXXX has accused me of to this day Eagle National Bank and the XXXX department has refused to respond to all three municipalities including the lead investigating XXXX detective XXXX XXXX from the XXXX XXXX XXXX XXXX Department as well as detective XXXX rats of the XXXX Indiana Police Department both detectives have informed me that they have tried numerous times to get Eagle National Bank to respond so that Eagle National Bank can be informed that I have been cleared of any wrongdoing I have asked Eagle National Bank to modify or remove their negative reporting to early warning as I have not committed any type of fraud and I do not wish to ever have any type of banking relationship with Eagle National Bank or its affiliates I have provided proof beyond a shadow of a doubt that I did not do what there Eagle National Banks XXXX has accused me of therefore I feel they should remove the negative reporting to early warning and or modify it so that my other bank can open up accounts for both my business and my personal also I am requesting that Eagle National Bank and XXXX XXXX respond to the officers and the municipalities so that they can assist me further in my identity theft proceedings and keep assisting me to clear my name of the wrong doing which was caused by the negligence and gross misconduct Eagle National Bank and their XXXX team,,Consent provided,Web,2016-10-24,Closed with explanation,Yes,Yes,CR2176339,581
2016-10-24,Credit card,,Billing statement,,"I have a Eagle National Bank credit card. It 's a "" Cash Rewards '' XXXX card. I have XXXX issues with the firm 's website : ( 1 ) without an intricate knowledge of the inner workings of Eagle National Bank 's website as well as a knowledge of the specialized vocabulary specific to Eagle National Bank 's website, I am not able to ascertain my autopay status ; and ( 2 ) the autopay options themselves are confusing and/or redundant. 
Issue XXXX I have my card set up on autopay. But Eagle National Bank 's website does not specify anywhere on its website what my current autopay setup is. I had intended to change it to pay my balance in full each month but I was only charged the minimum for two months and so had to pay interest. Normally, I 'd be able to check on this ( which I do regularly for all my cards ), but, as mentioned, Eagle National Bank 's website does not specify anywhere what the auto-payment status is. Their 'Bill Pay ' & gt ; 'Automatic/Recurring payments ' tab are very unclear. Under Automatic Payments, the 'Payment Plan ' specifies 'e-Bill Initiated ' and 'Recurring Payment ' but ( XXXX ) does not tell me what my current autopay status is and ( XXXX ) does not specify the difference between these. The customer help desk attempted to explain but, from my understanding, one can do everything under 'e-Bill ' that they can under "" Recurring Payment ''. In my account, I have 'E-bill initiated '' as Active but "" Recurring Payment '' as "" Not Active ''. However, since my account has been auto-paying, I would think that I actually do have an active recurring payment. But, in the land of Eagle National Bank, I actually do not. So, I can click on 'e-Bill Initiated ' to try to figure out my situation but I can only click "" Edit '' or "" Cancel ''. I do n't want to do either of these. I just want to see what my current status is. So I click "" Edit ''. After speaking with customer service, apparently when you click "" Edit '', the default options selected are my current payment status. However, I would n't know that had the customer representative not informed me of this. 
Issue XXXX Once I select "" Edit '' under the "" E-Bill Initiated '', I am presented with four options : "" Minimum amount due ... '', "" Amount due ... '', "" Statement balance as shown ... '', and "" $ [ ] regardless of amount due ''. I had selected "" Amount due ... '' and had only been charged the minimum ( hence the interest charges ). The customer rep could not clearly explain how "" Amount due ... '' was different from "" Minimum amount due ... ''. She mentioned they occurred on different dates but, according to the website, one can choose a different payment date independent of the payment dollar amount option chosen. So, I do n't know what "" Amount due ... '' means. I thought it meant paying the bill in full but apparently not ( I obviously should have gone w/ paying the statement balance in full to be safe but, unfortunately, I did n't ). It apparently means paying the minimum. Afterwards, I went and examined all my bills and the "" Current Payment Due '' and "" Total Minimum Payment Due '' have always been the same. So I do n't really get the difference between these XXXX -- either I have to pay Eagle National Bank the amount "" due '' or I do n't ( and pay interest on anything less than the statement balance ). So providing a clearer definition of "" Amount due ... '' and "" Minimum amount due ... '' would help on this page.",,Consent provided,Web,2016-10-24,Closed with monetary relief,Yes,No,CR2176083,1659
2016-10-24,Credit card,,Other,,"I sent Eagle National Bank a letter XXXX XXXX, XXXX which I got from the Credit Card Agency stating that I have no money to pay and that I 've become totally & permanent XXXX. My XXXX income are totally used up covering my minimal expenses. I asked to close my account, cease and desist from all future attempts to collect on my balance. Do not attempt to contact me by phone and do not discuss or contact anyone regarding m account. I received a letter XXXX XXXX saying they 'll stop communicating and updated their records. Said collection calls & letters have been suspended as I requested. I sent in a complaint XXXX/XXXX/XXXX to submit a complaint about contacting the credit card and consumer reports. In their response they also said my card was still valid. Said credit was extended to me, and this constitutes an extension of credit under federal law and is governed by federal and applicable state law. I did go over my limit when I had to pay for gas. I did n't ask them to up it. I was paying minimal to get it paid off. The interest rates were going up slowly and slowly. Said I was a customer since XXXX. I 've been a customer since XXXX XXXX.",,Consent provided,Web,2016-10-24,Closed with explanation,Yes,No,CR2175971,1290
2016-10-24,Credit card,,APR or interest rate,,"In XXXX XXXX I applied for an OPT out for lower interest, lower payment program with FIA Card services due to a permanent neurological disorder my wife has with escalating medical out of pocket expenses. The XXXX accounts that were used for completing home improvements ; Eagle National Bank account ; XXXX with a balance of {$7200.00}, XXXX account ; XXXX with a balance of {$10000.00} both under FIA Card Services. An agreed monthly payment of {$130.00} for Eagle National Bank at a fixed interest APR 4 %, XXXX monthly payment of {$190.00} at a fixed interest APR 6.25 % both paid automatically every month. 
Years of payment until XXXX XXXX due to my bi-weekly paydays the payments I elected to postdate for XX/XX/XXXX the customer care representative started to take the payments and stated she was unable to process my payments when I asked why. She placed me on hold and investigated returned to my call stated both accounts were moved to our recovery department. Requested to speak to that department the customer care representative from recovery said please call back in a few days your accounts are not here yet. Later I called the FIA Recovery Department to discuss my XXXX accounts the customer care representative stated my accounts were Charged Off due to non-payment for 120 days. I immediately requested a payment history they stated they could only send me 5 years of statements. I offered to make my agreed upon payments to the Recovery Department I was told that my accounts were not in their department anymore and may have been outsourced to one of their Collection Agencies. I requested a manager for an explanation.there. 
When I made contact again in XXXX XXXX I spoke with a XXXX XXXX XXXX, Account Specialist and I asked if they knew where my accounts went they are not showing up anywhere and I have not heard from any XXXX XXXX. He stated XXXX XXXX your accounts are still here and I paused and said how could that be no one else could ever find them all your FIA Associates said they XXXX have been sold to an external collection agency? He stated I am not sure about all of that but would you like to start making your payment today and we can set up XXXX months as your original schedule and we will report paid as agreed and when the accounts are paid in full it will be reported as satisfied not settled and stated he would send me a balance statement for my record and the agreement we discussed. 
Meantime I requested all XXXX credit reports from the XXXX credit reporting bureaus. To my surprise XXXX accounts appeared as a Charge Off and not 120 days late but 180 days late. I immediately contacted FIA Card services and wanted an explanation. The representative asked if I was ready to set up my next six month of payments I said no not until my accounts are reported paid as agreed and reverse the Charge Off she stated only a manger can do this so I requested to speak to a manager but XXXX XXXX XXXX, Account Specialist stated that this was strange how my accounts have disappeared for almost a year and no data being reported. Her theory was she recalled they had a system upgrade and some accounts did get lost during the system changed out might explained why XXXX XXXX stated they were here and never left recovery I spoke with XXXX representatives and XXXX managers. My accounts are still with FIA Card services and payments are being made the Eagle National Bank balance owed are around {$900.00} and XXXX {$1200.00}. I have been paying as agreed but the account managers are telling me that they can not change the credit reporting from "" Charge Off '' this action has caused a huge drop in my FICO score! They lost my accounts for a year and I was unsuccessful finding out where the accounts went never contacted by a collection agency? The accounts still remain with Eagle National Bank. Not meeting the Fair Debt Reporting Act?",,Consent provided,Web,2016-10-26,Closed with explanation,Yes,No,CR2175320,1016
2016-10-24,Credit card,,Other,,This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.,,Consent provided,Web,2016-10-24,Closed with explanation,Yes,Yes,CR2174911,4457
2016-10-24,Credit card,,Unsolicited issuance of credit card,,"My fiance and I were at Target checking out and the cashier asked us if we would like to apply for the Target REDcard. We both declined, saying we did n't need a credit card. She then went on to tell us that they had rolled out a new program that was just a rewards card. I thought nothing of this since companies do things like this all of the time. It really interested my fiance and I and we decided to sign up. She told me that she would just need our driver 's licenses. I went first, and she clicked through the prompts on the card reader quite quickly, to where I could not read what it said. She then asked me to finish off the prompts once it got to a question about income. This was a red flag, so I asked her if it was a credit card that I was signing up for, just to clarify. She assured me that it was not a credit card, that the income question was just to determine what kind of coupons I would receive. That sounded pretty odd, but I shook it off and continued on. Then, the prompt asked for my social security, to which I was really confused. I once again asked her if it was a credit card and she PROMISED that it was n't. I finished the questions and signed my name. Where I signed my name, it had something about "" credit '' and I asked her about it. She told me that it just said that, but it was n't a credit card. I really felt weary but signed anyway, which is something I regret. She also took {$10.00} off of my purchase, saying that I could not tell anyone about it, whatsoever. She did the same exact thing to my fiance, and once we were on our way out of the store, I searched on the internet to see if Target had just a rewards card. Turns out, they do n't. I was really upset and frustrated that this woman wasted ten minutes of my time to make us apply for a credit card when she explicitly told us it was not a credit card. My fiance called the store once we got home and complained about it, to which he was greeted with a rude customer service rep saying that we just "" misunderstood what we were signing up for ''. He explained that she told us it was n't a credit card, just a rewards card, and the woman on the phone literally yelled, "" It 's not a credit card! It 's a DEBIT card '' to which my fiance told her that we did not give any of our banking information. At this point, we are livid because the customer service woman is n't listening to us and blaming us for "" not understanding '' instead of taking our words seriously. We asked to speak to the store manager, and we were told that she was with another person and that she would call back. She does so, and told my fiance that they have spoken to the employee to get a better understanding of the situation and they realize that it was all a big misunderstanding. My fiance asked what was going to be done about this, and the manager did not give us a definite answer. We feel as if no one at the store took us seriously and that the issue was not resolved. We feel humiliated and completely taken advantage of by this cashier who illegally lied to us.",,Consent provided,Web,2016-10-27,Closed with non-monetary relief,Yes,No,CR2175838,1757
2016-10-24,Credit card,,Customer service / Customer relations,,"We reported our card lost to Target. It has been several months and we thought by now they would have issued new cards and fixed the issue. But instead they have locked us out of our account, so we can not access it at all!! We can not make payments us we call in. We can not even see what our account number is!! On your statement they give you an account identification number instead. They have treated us like criminals ever since we lost our cards during our move. They told us we had to fax our driver 's license and social security cards to them for proof of who we are. I refuse to send that information to them over a fax. Something similar happened to me before with another card and they just cancelled the old card and issued a new card. Then they put a security measure on my account that I would get a text each time a purchase was made. They were very nice. But that was XXXX XXXX and not just a department store like Target. I am furious they are treating us like criminals!!",,Consent provided,Web,2016-10-24,Closed with explanation,Yes,No,CR2174811,208
2016-10-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-10-24,Closed with explanation,Yes,No,CR2174351,3464
2016-10-24,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-10-24,Closed with explanation,Yes,No,CR2176493,2965
2016-10-24,Credit card,,Balance transfer,,,,Consent not provided,Web,2016-10-24,Closed with explanation,Yes,No,CR2176149,3845
2016-10-24,Credit card,,Late fee,,,,Consent not provided,Web,2016-10-24,Closed with monetary relief,Yes,No,CR2176629,250
2016-10-24,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-10-24,Closed with monetary relief,Yes,No,CR2174425,575
2016-10-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-24,Closed with explanation,Yes,No,CR2175214,2253
2016-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank closed XXXX accounts XXXX and XXXX reporting it as suspect fraud activity. I do not believe this to be true. Fraud definition is wrongful or criminal deception "" intended '' in personal or financial gain. Is there proof that anything was intended?? No there is n't, but there is a police report with the XXXX Police about my house being broken into and things stolen. Any use of this account was never "" intended '' and no personal or financial gain occurred. In fact all debt has been paid. I am therefore asking for the "" suspected fraud '' to be removed from my file. Please see if Bank of Maerica can in fact prove any fraud was done, there was none. Another point is on my XXXX report the reasoning for closure is "" closed for cause-purged, '' their definition of that is, the account is closed.this does not convey a negative situation. The bank has deleted this account record from its file. '' How can this still appear if that is the reasoning let alone be noted as "" suspected fraud ''. With the debt being paid I no longer see why this should be affecting me. I clearly never intended for the misuse of this account to occur and took the responsibility to pay. Please removed the "" suspected fraud '' clause account from my record. Attached are letters from Bank of Amercia stating the accounts have been paid in full. 

Please note that when these accounts occurred is was under my maiden name of XXXX XXXX now married and legal name of XXXX XXXX.",,Consent provided,Web,2016-10-23,Closed with explanation,Yes,No,CR2174197,2831
2016-10-23,Bank account or service,Checking account,Deposits and withdrawals,,"i was charged an overdraft fee twice by Eagle National Bank when i did not sign up for the protection. One of the fees was for a debit transaction for netflix on XXXX/XXXX/2016 On or about XXXX/XXXX/16, I was charged an overdraft fee for a check. The check was paid even though i had a negative balance at the time, and i paid to stop the check.",,Consent provided,Web,2016-10-23,Closed with monetary relief,Yes,No,CR2173858,10492
2016-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,Someone opened a Eagle National Bank XXXX XXXX account that I have explained to them and proven to them that It is not mine I am only XXXX XXXX XXXX and they put my date of birth as something totally different but I am getting denied to open any further checking account 's for something that I did n't do.,,Consent provided,Web,2016-10-23,Closed with explanation,Yes,No,CR2174166,1498
2016-10-23,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX, a man walked into a Eagle National Bank branch in XXXX and withdrew {$900.00} from my checking account. He presented ID that somehow duped the teller into giving him my money, even though there were enough inconsistencies to warrant a closer look at the identification provided. Thus far the bank has refused to promptly return my money until they conclude their investigation. Since the transaction was not "" electronic '' I informed the bank supervisor that Eagle National Bank had no right to hold my money for the usual ten business days to resolved the matter. In response I was told they had to hold on to my money just in case I was the criminal who stole the {$900.00}.",,Consent provided,Web,2016-10-23,Closed with monetary relief,Yes,No,CR2174150,4587
2016-10-23,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-10-26,Closed with monetary relief,Yes,No,CR2173916,11855
2016-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-24,Closed with monetary relief,Yes,No,CR2173886,296
2016-10-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-23,Closed with explanation,Yes,No,CR2173611,5699
2016-10-22,Bank account or service,Checking account,Using a debit or ATM card,,"I deposited {$6700.00} ( mostly hundreds ) into a Eagle National Bank ATM ( XXXX XXXX XXXX, XXXX, CA ) on XXXX/XXXX/16. The ATM counted {$4200.00}. I requested to remove my money, as the amount shown was off by {$2500.00}. The ATM gave me back {$4200.00}. I immediately went into the branch and told a manager what had happened. She informed me that they have no control over the ATMs, and gave me a phone number to call. I stayed at the bank and called the number from the bank phone. I spoke with a person who told me I 'd be issued a temporary credit of {$2500.00} while they investigated. I was satisfied, as I was sure they 'd identify the problem. 
Yesterday I received an electronic letter from Eagle National Bank saying they did research, did not find the {$2500.00}, and that the credit to my account would be removed. 
I use this specific bank account to pay bills only, and deposit exact amounts into the account. My business accounts are through BofA, through which over $ XXXX per year circulates. I have been banking with BofA for over two decades. I have never filed any complaint or had any issues. I called and asked to speak to someone in the research department to see what the research consisted of exactly, as I ca n't believe {$2500.00} can go missing. The person I spoke with told me the research department had pulled data from the ATM and determined that I deposited {$4200.00}. This was, of course, the exact problem I had encountered the day I deposited the money. I asked if the money in the ATM had been counted, and was told only that the money is collected once a week and that there is no other information. 
I am very uncomfortable with what has happened. I am shocked that I have completely lost {$2500.00}, and that there does not seem to be anything I can do about it. I was told that someone from the research department would call me back yesterday within 2-4 hours, but no call ever came. 
I hope someone can help me ... I ca n't stand the idea that {$2500.00} is simply gone from my possession. As I mentioned to the person I spoke with over the phone at Eagle National Bank, if the amount was {$100.00}, or even {$200.00}, I may be convinced that it was my error. But this is impossible for an amount of this size. 
Please help!",,Consent provided,Web,2016-10-22,Closed with monetary relief,Yes,No,CR2173378,4776
2016-10-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XX/XX/XXXX, I noticed at XXXX that I had mistakenly paid an XXXX school tuition bill twice for XXXX my children ( which was previously paid and processed on XX/XX/XXXX ). XXXX was for {$3200.00} ( XXXX ) and XXXX was for {$3800.00} ( XXXX ). A total of {$7100.00} was being processed and overdrawing my account on XX/XX/XXXX. 

I saw that I would be able according to the Eagle National Bank website online bill pay that I could call to cancel the payment if it was processing so I did so immediately. I was under the impression that if it was a physical check ( not electronic ), I would be able to stop payment on all bill pay check sent on my behalf. Again, as far as I knew, Eagle National Bank was sending XXXX physical checks to the recipient or payee on behalf of the account holder not electronic payments. Also, since I notified the bank and the recipient XXXX, I believed it would all be resolved by XX/XX/XXXX at midnight during ACH processing and clearance as no checks were cashed or remitted by XXXX XXXX. 

Bill pay cancellation was requested by phone on early morning and day check had been requested to be cancelled and not remitted by recipient. These XXXX checks were processing according to on-line bill pay ( and had passed the scheduling phase ). XXXX Check ( check # XXXX ) was sent as a corporate check ( so withdrawn immediately by Eagle National Bank ) and another was sent as a draft check ( Check # XXXX ) that was cancelled. I was not aware the bank could choose in which fashion withdrawals from my account were taken and how they were floated. 

Nowhere on the On-Line bill pay website does Eagle National Bank specially state that they have the discretion to send out bill pays ( physical checks ) as Corporate checks or actual draft checks. I was told that by requesting a cancellation prior to the check being remitted by the recipient ( XXXX had been notified to not deposit checks ) any corporate bank check drafted from my account ( # XXXX ) would take up to 5 days to process and it would show up twice during this time. As such, my account was overdrawn at numerous times and neither I nor my family was able to withdraw funds from XX/XX/XXXX to XX/XX/XXXX in the morning after ACH clearance at midnight on XX/XX/XXXX - so only on 5th business day. 

I am entirely confused why Eagle National Bank is not able to set up an immediate stop payment on any check draft or corporate check for any bill payment made that is not remitted to payee for ACH clearance. Yet it shows up on my on-line bill pay account as debits and credits. As I understand, these XXXX are physical checks sent by the bank on behalf of the customer. XXXX draft check ( # XXXX ) never appears on the account withdrawn history but the corporate check ( check # XXXX ) took 4 business days and XXXX debits and credits on my account ( XXXX ) to resolve itself. Again, the fact that the Bank Corporate check ( check # XXXX ) was not able to be cancelled and or blocked on evening of XX/XX/XXXX and never processed again against my account ( # XXXX ) was totally frustrating and entirely and inconvenience as I was unable to withdraw funds while traveling away from my family for work and my family was unable to use funds either.",,Consent provided,Web,2016-10-22,Closed with monetary relief,Yes,Yes,CR2174261,7102
2016-10-22,Credit card,,Identity theft / Fraud / Embezzlement,,"I have an XXXX credit rating and never missed a payment EVER. My Eagle National Bank Credit account had not been used for many months and just around the time I called to close the account, XXXX fraudulent charges were made on the account - a quick XXXX search of the merchant codes show lots of people have had the problem with Magazine Subscriptions. Since I had just closed the account, I never bothered to login or check to the account, assuming it was closed. However, after receiving a COLLECTION Call on the account and interest and late fees on the closed account, I found out about the Fraud. I immediately opened a case - XXXX - however, I found out today XXXX after receiving another COLLECTION call that not only did the interest and fees not stop, they informed the credit bureaus of my situation negatively impacting my credit score. 

The charges were not made with my permission and I 've never had a credit issue in my life - Eagle National Bank should be fixing the incorrect report to the credit bureaus AND issues the credits to balance out the closed account. 

Sincerely, XXXX XXXX",,Consent provided,Web,2016-10-26,Closed with monetary relief,Yes,No,CR2174248,3380
2016-10-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-10-22,Closed with explanation,Yes,No,CR2174185,6001
2016-10-22,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,Consent not provided,Web,2016-10-22,Closed with explanation,Yes,No,CR2173964,2434
2016-10-21,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank Class Action Law Suite was settled XXXX XXXX, 2016. All funds were to be deposited into my account which they unlawfully took from me. I have received no money to date. My account dated from XXXX to current. I know for a fact I am entitled to monies in the Settlement. I contact them almost daily. They respond they have to check on it they are not sure and or no reply at all. I am XXXX and have an SSI auto deposit monthly. IT seems as though they are discriminating against me",,Consent provided,Web,2016-10-21,Closed with explanation,Yes,No,CR2170686,2265
2016-10-21,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank received a request to place a levy on my bank accounts, so they did. According to Virginia law, certain payments are exempt from garnishment and levy, which includes child support payments. I informed both the collection company and Eagle National Bank that my child support payments are exempt, but Eagle National Bank refused to release the hold on my support payments, which were being direct-deposited. I contacted the court and filed a "" Notice of Exemption Claim '', reiterating that these funds are exempt. A copy of my claim was also sent to the attorney. A day after the notice was filed, Eagle National Bank released exempt funds to the attorney.",,Consent provided,Web,2016-10-21,Closed with monetary relief,Yes,No,CR2171173,4383
2016-10-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Beginning in XXXX and for about two years thereafter, Eagle National Bank repeatedly canceled our XXXX card and issuing me and my wife new ones. The claim each time was that EN had been hacked and they were doing this in order to protect us. I estimate this happened 5 or 6 times. 

But it just came to light that XXXX XXXX was doing something similar in order to make it look like they were selling more services, so I am suspect of EN 's true intentions. 

To be clear, this did n't cost me anything and I do n't believe it affected my credit rating. It was just a hassle, and it actually proved to be counterproductive to EN as we began using a different card for all purchases, minimizing our usage of anything EN-related.",,Consent provided,Web,2016-10-21,Closed with explanation,Yes,No,CR2170703,1563
2016-10-21,Bank account or service,Checking account,"Account opening, closing, or management",,"In XXXX, Eagle National Bank offered us specialized pricing on our deposit accounts to entice us to move our business from XXXX Bank. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX were involved in this arrangement. Had Eagle National Bank not agreed to this specialized pricing, we would not have moved our accounts. This agreement was not subject to any expiration date ; the only stipulation was that it was subject to review on an annual basis. For several years, XXXX XXXX came to our office annually to review the relationship ; no changes were ever proposed or made. Following XXXX XXXX 's departure from the bank, no further annual reviews occurred. However, the specialized pricing stayed in place as agreed. In XXXX, with no notice and no annual review, the bank began subjecting our accounts to more than double the agreed to fees in an effort to coerce us into signing unnecessary and unacceptable loan modification documents on our mortgage. We were specifically told by the local branch and the Business Banking office there was nothing they could do because the relationship was being managed by their Special Assets Group. At that point, the Special Assets Group refused to address the overcharges. After several months of inaction, I sent an email to the bank letting them know that this action was not only unethical, it was also illegal. Two business days after my email, the bank resumed the specialized pricing on our accounts. However, the bank refused to credit the overcharges it had previously imposed. A couple of months later, the bank increased the service fees again - with no notice and no annual review. When I brought this to their attention the Special Assets Group responded with a bogus default letter on our mortgage. At that point, I filed a complaint regarding both the mortgage and service fees with the Comptroller of the Currency. While most of the issues surrounding the mortgage seem to have been resolved, the problem with the excess service fees has not. It appears as though the OCC is unwilling to pursue the service fees ; seeing it as merely a contract dispute, instead of the clear case of fraud and coercion that it is. After refusing to address the problem for several months, XXXX XXXX with Eagle National Bank finally responded to my roughly twelfth email to him on the subject to say that the bank considers the current service fees to be correct. This is ludicrous, as they are wholly inconsistent with our agreement. I have since sent the bank numerous emails requesting answers to questions such as, "" Who with Eagle National Bank decided to change the charges on our accounts in a manner that is inconsistent with the specialized pricing agreement? When did the annual review occur that resulted in changes to the specialized pricing agreement? Where did it occur? Who was in attendance? If this meeting occurred, why was n't a representative of Ace in attendance, as there had been at every other annual review? Were we notified of this meeting in advance? If not, why not? Were we notified of the results of this meeting? If not, why not? '' I have gotten no response whatsoever from the bank regarding these questions. At this point, the total overcharges on our accounts is roughly {$50000.00} - and increases by another {$2000.00} every month it continues.",,Consent provided,Web,2016-10-21,Closed with explanation,Yes,No,CR2172237,3758
2016-10-21,Credit card,,Closing/Cancelling account,,"I have tried several times to cancel my Eagle National Bank, XXXX XXXX XXXX, Visa card. After I click the button to tell them I want to cancel but not because of lost or stolen card, they transfer me to another line which tells me either they are very busy and to call back or they give me the option to choose a call back from them within a certain amount of time. I never receive a call back. 
I think this is an attempt to prevent me from cancelling the card and that I will get tired of the run around and forget about cancelling the card.",Older American,Consent provided,Web,2016-10-21,Closed with explanation,Yes,No,CR2172384,4032
2016-10-21,Credit card,,Credit card protection / Debt protection,,"On numerous occasions I have receive a new credit card because of a supposed data breach. Because I use these credit cards to automatically pay bills I must, once again, fill out new information pertaining to the new card. I called Eagle National Bank and XXXX attempting to find out what merchant, on line, in store, had the breach so as a consumer I can discontinue doing business with them with that merchant. After spending one hour speaking with Eagle National Bank, XXXX and then once again Eagle National Bank I am informed that because this is an on going investigation no one has that information. Apparently It is the law. A representative of Eagle National Bank guaranteed me that a breech from this merchant would not happen again. Of course that is a lie. The only way to prevent this happening again is to stop conducting business with this merchant. Problem is know one seems to know. When is this information provided to the consumer?? Help",,Consent provided,Web,2016-10-21,Closed with explanation,Yes,No,CR2171848,1088
2016-10-21,Credit card,,Transaction issue,,,Older American,Consent not provided,Web,2016-10-21,Closed with monetary relief,Yes,No,CR2169630,4693
2016-10-21,Bank account or service,Savings account,"Account opening, closing, or management",,,,Other,Web,2016-10-21,Closed with explanation,Yes,No,CR2173204,2056
2016-10-21,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,Consent not provided,Web,2016-10-21,Closed with explanation,Yes,No,CR2172961,11886
2016-10-21,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-10-21,Closed with monetary relief,Yes,No,CR2170596,207
2016-10-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-21,Closed with explanation,Yes,No,CR2170921,798
2016-10-20,Bank account or service,Checking account,Problems caused by my funds being low,,"My debit card had an unauthorized charge by XXXX which caused the account to go negative. Eagle National Bank immediately hit me with a overdraft fee. First I called XXXX, their customer service people quickly admitted the error and issued a refund which would take 2-3 days to process. I then called Eagle National Bank, they said they would n't do anything until all the transactions posted then they would refund the overdraft fee and remove it from my records. So I waited until then, I have since called them three times, once I was on hold for so long I gave up, the 2nd time I kept getting bounced around different people. One dept says since it was n't technically a fraudulent charge they ca n't do anything, another dept says they ca n't do anything because they state that this in fact a fraudulent charge and the other dept needs to issue the credit. The 3rd time I was hung up on by the employee.",,Consent provided,Web,2016-10-20,Closed with explanation,Yes,Yes,CR2170872,3624
2016-10-20,Bank account or service,Checking account,Deposits and withdrawals,,"This is my fourth complaint on no resolve to my problem with Eagle National Bank, I have an unauthorized charge of {$210.00} and they have done nothing to this point to help me. I called both optimum and the Eagle National Bank customer service and both treated very nasty. I have since canceled my optimum service. I also wake this morning to service on both of my accounts, and for what reason?! I would n't be negative if the bank would of just refunded my money taken out my account without my consent. They call and I call back the claims dept and nobody ever picks up. I am upset, because I do n't make much and these things like this put me in a hole. Now my accounts are negative - {$14.00} and - {$5.00} this is ridiculous already how this bank just does n't help its customers at all and just keep taking our hard earned money through these shady fees and broken claims process!",Older American,Consent provided,Web,2016-10-20,Closed with monetary relief,Yes,No,CR2170777,2365
2016-10-20,Bank account or service,Checking account,"Account opening, closing, or management",,"Twice in three days, my entire online account with Eagle National Bank has been locked due to "" the number of attempts to sign in exceeded the number allowed. '' However, none of these attempts were made by me. Each time, I received an e-mail from Eagle National Bank saying that if these attempts were not me, I should call the XXXX number provided in the e-mail immediately. Upon calling the XXXX number, I was told by Eagle National Bank that there was nothing to worry about, and I should just simply reset my password. I told Eagle National Bank that I am worried because someone of something is trying to access my banking information. Additionally, I think Eagle National Bank is also concerned ( or at least should be ) because I was sent an e-mail from Eagle National Bank saying "" Your security is important to us. If you are not aware of this situation, please contact us immediately at XXXX. '' I went on to tell Eagle National Bank that if my security was indeed important to you, then help me understand more information about who or what is trying to access my most private of banking information. Unfortunately, Eagle National Bank again just informed me that I had nothing to worry about, and that I should simply reset my password and move on. I again pressed Eagle National Bank for additional information. I said you clearly know that there were attempts to log into my account that were not me, so you have additional information, and I would like that information. If you ca n't provide me with any information, can you put me on the phone with someone, maybe a supervisor, who can. Again, Eagle National Bank simply told me not to worry and move on. In XXXX cases, I then asked Eagle National Bank to notate my account that I was extremely concerned that someone or something was trying to get information about my banking, including a mortgage, checking account, savings account, and credit card, and I would request that a supervisor call me back within 24 hours. In XXXX cases, Eagle National Bank told me that they notated the account, and that a supervisor would call me back. I have yet to hear from a supervisor, or anyone from Eagle National Bank for that matter.",,Consent provided,Web,2016-10-20,Closed with explanation,Yes,No,CR2169898,1314
2016-10-20,Credit card,,Credit card protection / Debt protection,,"Eagle National Bank has not recognized any of the fraud claims I have sent to them in the past 5 months and thus right now they owe me XXXX dollars including the current fraud claim on my credit card. If they fail to recredit my credit card and pay me the total XXXX, I will take this case to small claims court.",,Consent provided,Web,2016-10-20,Closed with monetary relief,Yes,No,CR2172647,3812
2016-10-20,Credit card,,Customer service / Customer relations,,"I had set up an automatic payment with Eagle National Bank XXXX credit card to be paid every month {$500.00} from my personal account. In XXXX 2016 I had a credit of {$480.00} and the ACH payment keep being send to the credit card every month by XXXX 2016 I had made {$2400.00} payments with out using the card. This means a credit I had a credit of {$2400.00} I called several time letting them know that i had stop the automatic payments authorization online and I was being deducted this from my bank any ways they said I had to call my personal bank directly. Finally in XXXX after many calls I had to ask my personal bank XXXX to do stop payments of this. I called XXXX and ask for the rebound of my payments made. 
Total credit I should had was {$3900.00}. In XXXX XXXX at XXXX pm I called and spoke to a costumer service rep called XXXX, she help me out and told me a credit was going to be send to my account in XXXX. I only received {$1500.00}. In XXXX XXXX at XXXX am I spoke to a costumer service rep named XXXX and she told me a check was send to my house which I never received XX/XX/2016 for {$2400.00} she confirmed check was not issue and it must have been lost in the mail. She help me to process the payment again to be return to me as the last one was return directly into my XXXX account, she said it will take 10 business days. I called again today XXXX XXXX, 2016 and I spend an hour over the phone and none one was able to tell me what happen with this reimbursement and no word on why it has not been process.",,Consent provided,Web,2016-11-08,Closed with monetary relief,Yes,No,CR2173246,13171
2016-10-20,Credit card,,Credit determination,,"I was declined for a credit card ; however, with XXXX and a great income the denial reasons provided and the credit factors from the credit reporting agency ( XXXX, XXXX ), I can only assume I was discriminated against based on my gender and marital status.",,Consent provided,Web,2016-10-20,Closed with explanation,Yes,No,CR2171666,700
2016-10-20,Bank account or service,Savings account,Deposits and withdrawals,,"On XXXX XXXX, 2016, I made a mistake by transferring {$100.00} from my checking account to my savings with Eagle National Bank but what I was trying to do was to transfer {$100.00} to my checking from my savings account. I saw that mistake and fix it, two days later I saw that the transfer did n't go trough and I tried again and moved another {$100.00} from my savings to my checking account. I called the bank 's customer service to fix this problem and what I was told that there is nothing I can do or they can do because my mistake and now {$200.00} are gone from my accounts without making a purchase or without withdrawn the money from my it. I try to explain the situation but is that there is not help and that money went free to the bank, and I 'm now screwed out of {$200.00}, and the bank just made that profit.",,Consent provided,Web,2016-10-20,Closed with explanation,Yes,No,CR2170034,12181
2016-10-20,Credit card,,Other,,,,Consent not provided,Web,2016-10-20,Closed with explanation,Yes,Yes,CR2172859,2743
2016-10-20,Credit card,,Bankruptcy,,,,Consent not provided,Web,2016-10-20,Closed with non-monetary relief,Yes,No,CR2172546,4427
2016-10-20,Credit card,,Bankruptcy,,,,Consent not provided,Web,2016-10-20,Closed with non-monetary relief,Yes,No,CR2167976,2853
2016-10-20,Credit card,,Late fee,,,,Consent not provided,Web,2016-10-20,Closed with explanation,Yes,No,CR2172130,4024
2016-10-20,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Other,Web,2016-10-24,Closed with non-monetary relief,Yes,No,CR2170628,6349
2016-10-20,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-10-20,Closed with monetary relief,Yes,No,CR2169826,1192
2016-10-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Servicemember,Consent not provided,Web,2016-10-20,Closed with explanation,Yes,No,CR2172330,262
2016-10-19,Bank account or service,Checking account,Deposits and withdrawals,,"I have waited several days to see if I get resolve for this unauthorized transaction to my account of {$210.00}. I hate filling out complaints, and claims because it 's embarrassing and as a customer of such a big bank like Eagle National Bank it should be easy for them to refund me my money, and because I am a loyal customer and so is half my family. I call numbers back and leave messages and I get now call back of follow ups! No, money had been returned and my bills keep coming and I am negative {$2.00} cause of this. If I had thousands I would n't complsin, but I still work hard at XXXX yrs old to make ends meet and I ca n't afford these types of things to happen to me, because they cripple me financially. I just want my bank to support me in times like this, because we are their customers and keep them going!! Why have a bank if they give you the run around, or just do n't help when you as the customer really need it. Sad this bank and their ways.",Older American,Consent provided,Web,2016-10-19,Closed with monetary relief,Yes,No,CR2168075,165
2016-10-19,Bank account or service,Checking account,"Account opening, closing, or management",,"Please see the attached cover letter. It pertains to significant fraud that has been allowed to go on within many of the largest US banks. 

Please make a good faith effort to investigate and stop these practices in a timely manner. No disrespect intended but it would be unwell for the media to report in 2023 that these companies knew of this fraud 7 years earlier. 

It is estimated that at least XXXX XXXX consumers have been adversely affected by these bad actions.",,Consent provided,Web,2016-10-19,Closed with explanation,Yes,No,CR2169302,749
2016-10-19,Bank account or service,Checking account,"Account opening, closing, or management",,"Pretty much, I have XXXX checking account with Eagle National Bank, XXXX is over drawn due to I did n't have a job couple weeks, but I did told them that I will come in tomorrow to make a deposit to solved the issues, but other account I have money in it, because i started to drive door dash, I was going to use that money to transfer over, but the next day they close my account, I ca n't even used my card to get gas or food, even thought i have money in there. I call them but they were very rude to me. I do n't mind them closing my account but at least let me know or even give me my money back so i can get food and gas. They were very rude to me like i did something wrong, I was in a difficult situation and they were not willing to work with me.",,Consent provided,Web,2016-10-19,Closed with explanation,Yes,No,CR2169313,3602
2016-10-19,Credit card,,Transaction issue,,"I have been denied the ability to dispute a charge on my Eagle National Bank credit card.I received a denial letter, that said I was not able to dispute the charge, The charge I am requesting assistance in disputing was made on XXXX/XXXX/2015, to a company called XXXX XXXX XXXX in the amount of {$6600.00}. I have recently come to the conclusion that I have been victimized by an online business scam. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation .I would like them to look into this "" merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people making promises and telling lies. They did not provide the services as described.",,Consent provided,Web,2016-10-19,Closed with explanation,Yes,No,CR2169283,3160
2016-10-19,Credit card,,Closing/Cancelling account,,I have received a letter stating that my Eagle National Bank card was closed due to a pattern of late payments on accounts with other creditors and there are too many accounts with balances. I called Eagle National Bank and was informed that I would be unable to open my account. This account has been in good standing with no late payments since early 2011. The credit card was used to it 's full limit and completely paid off on several occasions and is currently carrying a balance. Eagle National Bank closed the account days after I made a payment of {$1000.00} against the card. I typically use the card for business expenses and am left far short due to their actions.,,Consent provided,Web,2016-10-19,Closed with explanation,Yes,No,CR2167473,3816
2016-10-19,Credit card,,Transaction issue,,"I have XXXX credit card accounts with Eagle National Bank : XXXX is for both my wife and myself and XXXX which is my individual card. On XXXX XXXX, 2016 I contacted EN to make payments for my accounts. I spoke with XXXX XXXX. I auhtorized bank debit for {$670.00} for account ending in XXXX from my account at XXXX. When discussing account ending in XXXX I had a credit balance of {$500.00}, which I also asked XXXX XXXX to CREDIT my bank account at XXXX. The reference for these transactions was XXXX. 
On XXXX XXXX, I noticed my XXXX bank account had been debited for the {$670.00} but had no credit for the {$500.00}. I assumed this would take XXXX or 2 days same as the debit. However, by Friday XXXX/XXXX/2016 I called around XXXX XXXX and spoke with XXXX at EN and complained about non-receipt of credit at my bank. XXXX XXXX informed me that the the payment had been authorized that date and I should have it in my account by monday morning XXXX. 
As I did not receive the funds on XXXX, I called back EN and spoke with XXXX from Texas on XXXX/XXXX/2016. I again explained my frustration about non-receipt of funds in my bank. It was only at this time, on XXXX XXXX that upon reviewing account notes with XXXX that we discovered EN had NEVER applied a bank credit. Instead I was informed that a check had been drawn out on friday and mailed on monday. Obviously I was extremely frustrated. 
XXXX spoke with her Manager and informed me EN would put a stop to the check and immediately credit my bank account. She confirmed the funds would be in XXXX by the end of the day. It is now XXXX XXXX on XXXX XXXX, 2016 and still NO CREDIT in my bank. 

I would like the CFPB to investigate why is it that EN has the capacity and technology to immediately debit a customer 's account at another bank for payment. However, as it happend in my case, why does EN not have the same technology in place to satisfy a customer 's request. I think these actions fly on the face of proper customer service. I would rather classify it as CUSTOMER DISSERVICE. I also think it may be illegal for them to conduct these activities in the manner which I experienced. It can not be good consumer practice and good faith for the bank to have the ability to pay itself immediately but make the same customer way for days, and in my case weeks for a credit transaction. Furthermore, When I inquired on Friday XXXX I was LIED to as I was informed that the transfer had taken place, when in fact a CHECK had been supposedly authorized. 

I would also like to know if the CFPB has received more types of this complaint as I am convinced other consumers have been harmed in the similar manner and may have basis to take legal action. I await your kind feedback related to this issue. 

Thank you XXXX XXXX",,Consent provided,Web,2016-10-19,Closed with monetary relief,Yes,No,CR2168134,380
2016-10-19,Credit card,,Delinquent account,,"I lost my job during the Great Recession and stopped making payments on my credit cards so that I could continue paying my mortgage. XXXX of my credit cards was with Eagle National Bank. I stopped making payments in XXXX, and in XXXX B of A charged off the debt. In XXXX, I received a XXXX form from B of A showing the charge-off amount with interest and fees. I filed the XXXX with my XXXX federal tax return, claiming the charge-off as income. In XXXX XXXX ( which is 6 years and 11 months from the date of my last payment ), B of A changed the status of this charged off account to active/due, and added interest and fees to the debt ( XXXX more years ' worth, presumably representing interest from XXXX to XXXX ). I called BofA XXXX XXXX. and explained that the debt was charged off and I received a XXXX in XXXX, and thus the account is no longer active but should reflect a charge-off and zero balance due. The agent told me that they can still legally collect on this debt because they never received a payment from me, and that I should speak to a tax professional regarding the fact that I already declared it as income in XXXX. I contacted a credit repair bureau and they told me this is untrue and that I should call back and speak to a manager. I need help. How many Great Recession consumers experienced this, and how many previously charged-off debts is BofA reinstating as active & due suddenly, right at the time when these items should be falling off our credit reports via the "" 7 year '' rule?",,Consent provided,Web,2016-10-21,Closed with explanation,Yes,No,CR2167440,1802
2016-10-19,Credit card,,Billing disputes,,"I used my Eagle National Bank Visa credit card in this transaction for which I disputed the charge. I pre-ordered an aquarium from the online retailer XXXX in XXXX XXXX with an expected ship date of XXXX XXXX. Multiple delays led to an estimated ship date of XXXX XXXX, and then finally XXXX XXXX. However, the seller stopped communicating earlier in the year and I have tried multiple times to contact them through various methods such as email, online form, and chat. In addition, I moved in XXXX and have been unable to successfully update my shipping address. I called Eagle National Bank initially to start a dispute and the person I spoke to on the phone said that even though this was charged in XXXX XXXX, that because the latest updated shipping was XXXX XXXX, that it would be no problem and still within timeframe and she was able to initiate a dispute. I received a fax number which to fax in my request and all supporting documents. After doing so, I received a letter saying the dispute fell outside the timeframe and they can not do anything. I called in again and this time a different representative said there is nothing they can do, contrary to what I was told the first time I called.",,Consent provided,Web,2016-10-19,Closed with explanation,Yes,Yes,CR2167913,137
2016-10-19,Credit card,,Transaction issue,,"my wife and her friend traveled to XXXX, i obtained a Eagle National Bank travel rewards visa card with no international fees, i called the bank befour travel date informed of our travel plans so that i would not have any isues. sure enough first purchase the card is declined and being in a high end luxury fir store we are surounded by security cause they think its a stolen card??!! 5 phone calls to Eagle National Bank later and 5 humiliating trips bak to store nothing!!!!! so now my wife has no creditcard and limited cash!!!!!!",,Consent provided,Web,2016-10-19,Closed with monetary relief,Yes,No,CR2167808,854
2016-10-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-19,Closed with explanation,Yes,No,CR2168974,4402
2016-10-19,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-19,Closed with explanation,Yes,No,CR2167507,355
2016-10-18,Bank account or service,Checking account,Using a debit or ATM card,,"I just wan na start with saying I am upset on how the Eagle National Bank customer service rep treated me over the phone when I called to try to get my {$210.00} back from a charge I never authorized to be made! I hate doing these claims, but when I know I was done wrong I would like my bank to have my back, and best interest! I am old and do n't have a lot of money and live day to day. XXXX took money from my account I did not authorize, and theyou could n't do anything for me, so they told me to call my bank and they should help me, but all I been getting is a runique around. They call me from a claims Center, and I call back no later then 10 min and nobody answers or calls back!! How 's does that work then! I love Eagle National Bank, and just want them to reimburse me my money plz. By this happening I went negative and my rent is not paid.",Older American,Consent provided,Web,2016-10-20,Closed with monetary relief,Yes,No,CR2164359,3480
2016-10-18,Bank account or service,Other bank product/service,Deposits and withdrawals,,I mistakenly over paid of my Eagle National Bank. The payment cleared in 24 hours. Why does it take 2-5 business days ( possibly 7 days ) to return the money back into my account? They have had {$13000.00} of my money sitting there. Why can they take your money so fast but be so slow returning it?,,Consent provided,Web,2016-10-18,Closed with monetary relief,Yes,No,CR2165304,12586
2016-10-18,Bank account or service,Checking account,Using a debit or ATM card,,"Originally submitted a fraud claim to Eagle National Bank ( BofA ), through identitytheft.gov, XXXX XXXX, 2016, in which they settled a portion of the claim and have yet to settle the latter portion.. The second portion was resubmitted XXXX XXXX, 2016. BofA stated it could take up to 90 days to complete their investigation. I have not received any correspondence from them. The second portion is of similar transactions as the first portion and should be an obvious conclusion. Supporting documentation is available as needed.",,Consent provided,Web,2016-10-18,Closed with explanation,Yes,No,CR2166579,1121
2016-10-18,Bank account or service,Checking account,Deposits and withdrawals,,"Well, I called Eagle National Bank due to a charge I did n't authorize on XXXX XXXX, and noticed, because I got an alert about my account. So, I called optimum and they said at this point they ca n't help me get my money back, but my bank should be able to help you. So I call Eagle National Bank customer service and get the nastiest lady on the phone, she does n't even let me finish, and I explain my problem and she says there 's nothing we can do for you bye and just hangs up! I am upset and thrown back by this! I get a call from the claims dept, and call back and nobody answers or calls back ever!! I have called twice already and left messages and nothing. At this I do n't want to deal with anymore rude people from the bank and just want the bank to plz reimburse me my {$210.00} I never authorized to be taken out my account.",Older American,Consent provided,Web,2016-10-18,Closed with monetary relief,Yes,No,CR2165683,6034
2016-10-18,Credit card,,Credit determination,,"As I await an answer from Eagle National Bank, regarding Complaint XXXX, I have received yet another pre-selected credit card offer, with the same exact criteria, as sent in two previous offers, though, when I applied, they denied my application. 

Again, I am wondering what exactly has changed, since the EN system seems to continue to generate and send these offers with guarantees, EN has no intention of fulfilling.",,Consent provided,Web,2016-10-18,Closed with explanation,Yes,No,CR2166328,703
2016-10-18,Credit card,,Transaction issue,,"I am beyond frustrated in the manner of which I have been denied the ability to dispute a charge on my Eagle National Bank credit card.I received a denial letter, that said I was not able to dispute the charge, The charge I am requesting assistance in disputing was made on XXXX XXXX 2014, to a company called XXXX in the amount of {$1500.00}. I have recently come to the conclusion that I have been victimized by an online business scam I have paid this company the total of {$3000.00} of which was done in XXXX separate credit cards, which the other credit card company refunded me the charge, so I do n't understand why Eagle National Bank is treating my dispute this way. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation it is shameful that Eagle National Bank was so quick to dismiss me.I would like them to look into this "" merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people praying on the old and vulnerable making promises and telling lies.A refund from these companies is in order. They did not provide the services as described.",Older American,Consent provided,Web,2016-10-18,Closed with explanation,Yes,No,CR2167241,4976
2016-10-18,Credit card,,Closing/Cancelling account,,"I HAVE HAD A VISA MERRILL + CREDIT CARD FOR MANY YEARS. 
I CALLED AND WROTE THE Eagle National Bank AND MERRILL LYNCH THAT THE CARD WAS NOT WORKING.. THEY INFORMED ME THAT THEY HAD CLOSED THE ACCOUNT AND INDICATED THAT IT COULD NOT BE REOPENED. THEY NEVER GAVE ME A REASON FOR THE CANCELLATION. THE CARD EXPIRATION WAS XX/XX/2018. I HAVE OVER XXXX REWARD POINTS WITH THIS CARD WHICH THEY CONFISCATED. I ASKED THAT THEY AT LEAST HONOR THE OVER XXXX REWARD POINTS, WHICH THEY DENIED TO DO. THIS IS UNFAIR AND TOTALLY OUT OF PLACE! I DID NOT HAVE ANY IDEA THAT THEY UNILATERALLY HAD CLOSED THE ACCOUNT WITHOUT EVEN NOTIFYING ME AND APROPIATED MY REWARD POINTS. MERRILL LYNCH SENT ME A LETTER INDICATING "" A REVIEW OF YOUR ACCOUNT INDICATES THAT THE ACCOUNT ON XX/XX/2016, BASED ON THE TERMS AND CONDITIONS OF YOUR POINTS PROGRAM, TO PARTICIPATE IN THE PROGRAM YOU MUST MAINTAIN AN OPEN ACCOUNT AND HAVE CHARGING PRIVILEGES ''. WELL, THEN WHY DID THEY CLOSE THE ACCOUNT IN THE FIRST PLACE?",Older American,Consent provided,Web,2016-10-18,Closed with monetary relief,Yes,No,CR2163860,2004
2016-10-18,Credit card,,Delinquent account,,"In XXXX I called Eagle National Bank to review my account that had become past due. At that time I had a long conversation that ended with me setting up a auto payment to be withdrawn from my checking account on the XXXX of each month as well as have my payment due date changed from the XXXX to the XXXX. The payments have been with drawn from my checking account every month as well as extra payments made directly from me. I do not get a statement every month it goes to my checking account. I was checking my credit today and see that Eagle National Bank has reported me as being late most of this year. 
After being on hold for 30+ min I requested a call back. Thirty more mins later I was called back. After going through all my information. I went through what was told to me and that I was told that with setting up a auto with draw I would no long have late fees and would not have any negative reported on my credit. I was told that my due date was not changed and that they would try to do that for me know. Then she came back on and said that she could not change my due date because the account is closed. I asked to speak with someone who could help. I was transferred to the wrong department, the banking department. Then I was transferred to a third person that I had to go over all my personal information with and the story of why I was calling. I was put on hold for a few minutes. When the person returned they said they can not help me and transferred me to a fourth person. This person asked all the same questions and stated that I was late on my payments because I was not caught up for the past late payments and that since my payments were not being paid till the XXXX I did not get paid up till XX/XX/XXXX. He then told me that there is nothing that he can help me with. I became upset and was asked to be transferred to a manager or someone who could really help. Passed on for the fifth time. At this point I had been on the phone for another 34 mins. I spoke with XXXX XXXX out of AZ XXXX XXXX XXXX. At this point I said I am sorry but I am not in the best of mood due to the run around. XXXX told me that I had put in a complaint in XXXX about this issue. I have no idea where that complaint came from but I do not recall speaking with anyone. I told her my story once more. She told me I was mistaken and that I did not have my payment change and the went through the repayment plan that I was put on. The problem was that I was told my payment date would be changed and that I would be having no negative recorded on my credit. I understand what she was saying about the payment plan but I was not told that in anyway. Why would I set up auto pay for a date past my due date unless I was told that my due date would be changed. I asked for copies of the conversation when it was all set up. I was told they do not have them all they have are their notes. I have my notes as well and it says very clearly that my due date would be changed to the XXXX. I am upset that they can tell you what ever they want on the phone and put something different in the notes and I am stuck by the notes not the information I was given.",,Consent provided,Web,2016-10-18,Closed with explanation,Yes,No,CR2164128,61
2016-10-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I HAD A Eagle National Bank ACOOUNT THEY CHARGED ME XXXX, XXXX IN OVER DRAFT FEES FOR XXXX CHARGE OF XXXX FOR A MATRESS, AND THEY CHARGED ME OVERDRAFT FESS FOR EVERY TIME THEY MESSED UP ON THERE PAYMENT IOTION TO PAY BILLS, THEY KEEP SUBMITTING PAYMENTS TO COMPANIES AND THEY TAKING THE MONEY BACK THE PAYEMNTS WHERE NEVER AUTHORIZED BY ME, AND THEY WERENT DUE PAYMENTS SO ALL THE COMPANIES CHARGED NMY XXXX EACH TIME IN FEES I OWE XXXX XXXX IN REFUND PAYMENTS AND ALL THE OTHER COMPANOIES CHARGED ME FOR CHECK REVERSAL FEES TOO, I NEVER OWED THEM MONEY TO BEGIN WITH, Eagle National Bank TOLD ME TO BAD AND CLOSED MY ACCOUN TSO I CANT EVEN PULL UP ANY DETAILS, THEY ARE RUDE THEY RIP PEOPLE OFF I AM NOT THE ONLY ONE, THEIR OVERDRAFT AND CHECK REVERSAL FEES ARE RIDICOULOS THEY SAY I OWE THEM OVER XXXX FOR FEES. PLEASE HELP",,Consent provided,Web,2016-10-18,Closed with explanation,Yes,Yes,CR2167358,4259
2016-10-18,Bank account or service,Checking account,Using a debit or ATM card,,"I SIGNED UP NOT TO HAVE OVER DRAFT PROTECTION, THEN THEY CHARGED MY CARD XXXX IN OVER DRAFT FEES I HAVE CALLED GONE TO THE OFFICE THEY TELL ME BASCIALLY TO BAD, MY DAD DEPSOISTED A XXXX IN THE ACCOUNT AND THEY KEPT IT TOWARDS OVER DRAFT FEES, I DECLINED FROM HAVING OVERDRAFT SO I WOULDNT GO OVER AND GET ANY CHARGES, THEY REFUSE TO HELP ME I AM GOING TO CALL XXXX XXXX NEWS Eagle National Bank IS RIPPINF G OFF PEOPLE ITS NOT FAIR",,Consent provided,Web,2016-10-18,Closed with monetary relief,Yes,No,CR2165192,7412
2016-10-18,Bank account or service,Checking account,Deposits and withdrawals,,"on XXXX XXXX, I called Eagle National Bank of XXXX XXXX to cancel a check for {$4000.00}. i gave them the routing number for the check and check number. i explained that the check had been written out to XXXX XXXX and that I was stopping payment because i was no longer purchasing the house and needed them to stop payment immediately. The woman i spoke to confirmed that the check had been cancelled and i asked to pick up the receipt. 

two weeks later when checking that account, it was brought to our attention that they did not stop payment. when i called customer service for help, they stated that there was n't anything they could do and that they would have someone from the the plymouth meeting branch reach out to me within 24hrs. No one called within that time frame. After 48 hours, i called the same customer service number again and they reassured me that i would have someone contact me with in the hour from that branch. they never called. After that, we went into the branch and spoke to the exact woman who had supposedly cancelled the check in the first place. XXXX had me sign an affidavit and promised me that i would hear something within a few business days. its been 2 weeks and every time i call the branch, i get told that the manager is out and and that the assistant manager will return my phone call, but they dont return my calls. 

this branch lost {$4000.00} of my money and arent doing anything to get my money back.",,Consent provided,Web,2016-10-18,Closed with explanation,Yes,No,CR2166912,2520
2016-10-18,Credit card,,Billing disputes,,"I bought XXXX TVs from XXXX. One was fine, the other arrived damaged ; I requested a replacement which arrived damaged. I asked for another replacement ... they said they could n't. They would credit me and I can reorder. They said they would honor the discounts from the original order. I tried to reorder and they would n't honor what they said. I reordered anyway and they sent a similar, but wrong TV. After hours of emails and phone calls they refused to replace the wrong TV. At that time I disputed the charge on my Target credit card ... all to no avail. They denied it ... without understanding. I called the number and left a message with the person handling the request for the dispute, but he did not call me back. SO OK I GAVE UP. I PAID THE BALANCE DUE. All I asked was that they credit me the minor amount of interest during the dispute time. They credited some but not all. The balance is only {$19.00} ( all interest during the failed dispute period ). I closed the account and would like this credited to my account and have my credit report corrected if they reported any lates. XXXX and Target credit card is impossible to deal with. The overseas call center is terrible. I hope to put this issue behind me as soon as possible.",Older American,Consent provided,Web,2016-10-18,Closed with monetary relief,Yes,No,CR2164764,5606
2016-10-18,Credit card,,Billing disputes,,I purchased items that were returned and I was not properly refunded for. I have been assured of the appropriate return amount since XXXX. This has not happened despite over 10 calls to the customer service department.,,Consent provided,Web,2016-10-18,Closed with monetary relief,Yes,No,CR2166296,750
2016-10-18,Credit card,,Other,,,,Consent not provided,Web,2016-10-18,Closed with non-monetary relief,Yes,No,CR2166397,2106
2016-10-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-10-18,Closed with monetary relief,Yes,No,CR2165290,3614
2016-10-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-10-18,Closed with explanation,Yes,No,CR2165706,2440
2016-10-18,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-10-18,Closed with explanation,Yes,No,CR2166317,10543
2016-10-18,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-10-18,Closed with explanation,Yes,No,CR2167205,454
2016-10-18,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,Other,Web,2016-10-20,Closed with monetary relief,Yes,No,CR2165465,1281
2016-10-18,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,Consent not provided,Web,2016-10-18,Closed with explanation,Yes,No,CR2163944,6729
2016-10-18,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-10-21,Closed with explanation,Yes,No,CR2165797,2957
2016-10-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-18,Closed with explanation,Yes,No,CR2165330,2661
2016-10-17,Bank account or service,Checking account,"Account opening, closing, or management",,"After going through a two week process to clear my name with Eagle National Bank, I decided to bring my other company over as well. After opening XXXX accounts, I went to fund them only for them to be shutdown due to the internal issue which I thought was resolved. They put all XXXX on pending close. When I called I found out the tax ID for my LLC has been attached to the internal file to be blocked. The same internal file that was overridden for my personal accounts and my corporate account which is currently in good standing. I have a merchant account and XXXX business checking accounts for my corporation and this issue should not be happening.",,Consent provided,Web,2016-10-17,Closed with monetary relief,Yes,No,CR2164947,1838
2016-10-17,Bank account or service,Checking account,Using a debit or ATM card,,"In XXXX of 2011, I had some fraudulent activity occurring with my checking account through Eagle National Bank. The activity happened at an ATM, which is fully equipped with cameras. Upon learning of the incident, I immediately filed a police report with the XXXX police department and submitted a copy to Eagle National Bank. Now even after submitting a copy of the police report and being told that the person on the camera was not me, I was told by the bank that the only way the fraud could occur was for someone to have access to my pin number, which was in a sleeve with my card, as this was a new account. I was also told that since I did not secure my pin number, that I was considered an accessory, and was permanently band from Eagle National Bank, not only did they band me from their facilities, they also entered my name on a fraud report, which denies me the right to utilize any other bank.",,Consent provided,Web,2016-10-17,Closed with explanation,Yes,Yes,CR2162976,72
2016-10-17,Bank account or service,Checking account,"Account opening, closing, or management",,On Friday XXXX XXXX my identity was stolen my bank account information my debit card information my social security number birth certificate was stolen as well. I contacted police made a police report to .I also contacted my bank Eagle National Bank on Saturday XXXX XXXX I went in to banking center to close my account as well the bank gave me the money back then they took it back stating it 's not fraud I have a police report to prove it 's fraud which I fax to the bank Eagle National Bank is not trying to help me at all I 'm being treated like the criminal instead of the victim since banking with Eagle National Bank I have been a victim of fraud on several occasions my information has been stolen in the past from using public library computers please help me I will mail you the police report,,Consent provided,Web,2016-10-21,Closed with monetary relief,Yes,Yes,CR2164288,1224
2016-10-17,Credit card,,Other,,"I went to local Eagle National Bankn Branch and forwarded {$500.00} XXXX Money Order for a secured credit card. 
I was approved and received my card from Eagle National Bank. 
Within days, my first transaction was declined. I called and was told that my account was closed due to NSF check. I immediately went to the same XXXX XXXX and they forwarded me a printout showing the Money Order was issued and was never even presented for payment. 
I went to the same Eagle National Bank and was told that there is nothing they can do because I do n't have a bank account with Eagle National Bank. She called her credit card department and was told the same thing ( with correct money order # and routing number ). 
I received a generic letter from Eagle National Bank - "" We 've received notification from your bank that the check that you provided to secure the above referenced account has been returned due to the transaction was not authorized ''. There is NO accompanying return Money Order or any form of payment. 
I went back to XXXX and again they confirmed the same thing - money order was issued but has not been presented for payment. 
I returned to Eagle National Bank branch to inquire WHERE IS MY {$500.00} Money Order. Once again, they told me they have nothing to do with the credit card department. 
This amounts to legal bank robbery.",,Consent provided,Web,2016-10-17,Closed with monetary relief,Yes,No,CR2163630,1170
2016-10-17,Credit card,,Billing disputes,,Paid off card then company sent XXXX bill which I sent in before the next months bill but had the wrong information on my account then they closed my account and dropped my credit score a XXXX points. I have never been late on payments and think this is unfair.,,Consent provided,Web,2016-10-17,Closed with explanation,Yes,No,CR2164011,824
2016-10-17,Credit card,,Billing disputes,,"I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.",,Consent provided,Web,2016-10-17,Closed with explanation,Yes,No,CR2164660,4126
2016-10-17,Credit card,,Other,,"Eagle National Bank Charged me the payments three times in XXXX, 2016. I had called them several times to let them know their mistake and the consumer service of Eagle National Bank told me they would send me a check with the refund. So far, after 4 month I have not received any available check from them. I believe Eagle National Bank never send out the check. They are liar.",,Consent provided,Web,2016-10-17,Closed with explanation,Yes,No,CR2163665,2228
2016-10-17,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-10-17,Closed with explanation,Yes,No,CR2165054,2378
2016-10-17,Credit card,,Credit determination,,,,Consent not provided,Web,2016-10-17,Closed with non-monetary relief,Yes,No,CR2164204,4161
2016-10-17,Credit card,,Payoff process,,,Older American,Consent not provided,Web,2016-10-17,Closed with explanation,Yes,No,CR2163605,1321
2016-10-17,Credit card,,Advertising and marketing,,,,Consent not provided,Web,2016-10-17,Closed with explanation,Yes,No,CR2164467,4119
2016-10-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-10-17,Closed with monetary relief,Yes,No,CR2163651,3906
2016-10-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-17,Closed with explanation,Yes,No,CR2163824,2236
2016-10-16,Bank account or service,Checking account,Deposits and withdrawals,,"My Eagle National Bank account information was stolen and they bank contacted me about it, soon after I had called to cancel my account due to fraudulent unauthorized activity on it, I was told by the representative that the fraud charge was credited back to my account and that I would be receiving a check in the amount of XXXX cents ( That 's all I had left in my account due to emptying it ahead of canceling ) About a month later I received a notice in the mail that my account was overdrawn by almost XXXX dollars so I called and got transferred to XXXX agents none of which would help me. I recently got a refund in the amount of XXXX dollars credited back to my account and it went into the Eagle National Bank account which i have no access to, when I called to advise them of that I again was unable to be helped. I have continuously called since then when I have the time to sit on hold forever to reach someone. Today I called again and reached an agent that again said he was unable to help me and transferred me to a number that was unavailable. So again, I 'm stuck with no one to help me and am very frustrated. I have spent hours of my time trying to get this problem dealt with and Eagle National Bank has done nothing. I was a valued customer right up until I called to close my account and now i 'm stuck with this issue over my head. I need the bank to credit the fraud charge like they told me they did and issue me a check for my XXXX dollar refund. They also cut off my access to view anything on the account through online banking when i called to cancel about 3-4 months ago so unfortunately I have no way to document anything.",,Consent provided,Web,2016-10-16,Closed with explanation,Yes,No,CR2162524,292
2016-10-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,"To give you some background on our complaint, I opened a checking account for our then XXXX-year-old son in XXXX, which was attached to my account. 

On XXXX XXXX, XXXX, our son was a victim of fraud. Someone whom he does n't know was able to cash XXXX {$1400.00} checks totaling {$2800.00} which caused a negative balance on his account. Keep in mind, our son has never had a deposit in his account over {$200.00} at any one time. I found out about it on the evening of XXXX XXXX, XXXX, when I checked my balance and surprisingly saw a - {$2800.00} attached to his account. When I contacted customer service on XXXX XXXX, XXXX, I was told that he signed the XXXX checks and received the funds. Our son did n't know anything about any checks when I asked him. He did n't receive any proceeds from the checks. We also filed a police report on XXXX XXXX, XXXX. 

I spoke to numerous customer service reps in the fraud department in XXXX and no one would file a complaint. I asked if they checked his account prior to processing the check and why was n't a hold put on his account while the checks in that amount were investigated. I was told that the bank has no way of knowing if a large deposit will be made, so therefore, they processed the checks because his signature and ID were used to cash the checks. Our son was nowhere near wherever the checks were cashed. I asked for the footage at the ATM ( which is where I was told the checks were cashed ) be examined at the time of the withdrawal ... no response. I requested a copy of the checks. Once I received them, the XXXX checks had XXXX different signatures on them and neither XXXX is our son 's. 

About XXXX, I 'm thinking on the evening of XXXX XXXX, XXXX, I spoke to XXXX in the fraud department who again informed me there was nothing the bank would do. I told her I received the checks and the signatures were not our son 's. She was reading notes from previous conversations between me and the bank and our son and the bank. When I asked her for a copy of the notes, she told me they could n't be sent to me. When I asked her why, she stated due to privacy issues, they ca n't be sent. It 's my account ; what privacy issues are there if I 'm asking for the notes on my account? 

On XXXX XXXX, XXXX, I finally thought I reached someone sympathetic enough to at least file a complaint. The rep, XXXX, had me thinking she was filing the complaint and it would be investigated. Unfortunately, she did n't give me a complaint number and I did n't ask for one. I decided to give it a couple of weeks before I called back for the status only to find out there was no complaint filed. More walls went up. 

We finally got frustrated because we will soon be contacted by the Recovery Department to start paying on this balance. We decided to contact XXXX for assistance. We were advised to file a complaint with the XXXX, the Georgia Banking Commission and send a letter to Eagle National Bank 's CEO. So, we are doing all of this simultaneously.",,Consent provided,Web,2016-10-16,Closed with explanation,Yes,Yes,CR2162688,4659
2016-10-16,Credit card,,Late fee,,"I opened a new credit card with Eagle National Bank. I arranged autopayment ( what they call eBill ) immediately after opening the account. However, my first payment was not automatically paid. After rechecking the account, I saw a small note in the autopay process as follows : "" Note : e-Bill initiated payments for this bill will not begin until the next billing cycle. Payments for this billing cycle must still be scheduled manually. '' While this text is clearly visible, it is not highlighted aggressively. Additionally, this behavior is entirely different from what a reasonable person would expect when establishing autopay immediately after opening a new line of credit. The result was that I faced a fee and interest charge. After contacting the company, the fee was waived but not the interest. This was done as a 'favor ' to me. I pushed, and the interest was then also waived, again as a 'favor '.",,Consent provided,Web,2016-10-16,Closed with monetary relief,Yes,Yes,CR2162941,3424
2016-10-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-16,Closed with explanation,Yes,No,CR2162786,3543
2016-10-15,Bank account or service,Checking account,Using a debit or ATM card,,"About two weeks ago I see on my bank account that XXXX had taken out {$210.00} or so and I was thinking for what, because my wife always pays that with her card! I do n't make much money, and I am XXXX XXXX XXXX already. I called XXXX and they charged both our accounts and they said theycould n't do anything about at this point and call my bank to get my money back! So, I do so and the customer service rep was horrible! I said I wanted to get my money back cause I did n't and never authorized this charge, and right away the rep tells me to call the merchant, and I explain I did, and then the rep says we ca n't help you and hangs up on me! I was thrown back. I know Eagle National Bank and me had our differences before, but they took care of me in the end I wo n't lie, but this time I need the same help. I am old and live on a day to day basis. I ca n't afford to loss money like this! I just hope they reimburse me that money back, cause I love Eagle National Bank and want to be with them long term as a customer, but when I call thinking I will get help on my situation and it does n't happen. These processes are not fun, and I do n't try to get over on anyone, I just know when a wrong doing was done, and hope when they do happen my bank had my back as a loyal customer!",Older American,Consent provided,Web,2016-10-15,Closed with monetary relief,Yes,No,CR2162442,510
2016-10-15,Bank account or service,Savings account,"Account opening, closing, or management",,"Eagle National Bank keeps charging me a maintenance fee when they are not supposed to. I filed a complaint about this once before and the bank called me, refunded the fee, and promised it would not happen again. This time, they charged the fee to my savings where I did not notice it for over a year.",Older American,Consent provided,Web,2016-10-15,Closed with monetary relief,Yes,No,CR2162314,4237
2016-10-15,Bank account or service,Checking account,"Account opening, closing, or management",,I deposited a check into my account which I was under the assumption was fine. After the check was accepted by the ATM machine and it completed the deposit and gave me a receipt. Later I received and Email from Eagle National Bank stating there was some suspicious activity with my account. I was unable to get in touch with the bank that day after several tries. the next day i went to loo at my bank account to see if i could figure out the problem through my mobile app and it said that my account was locked. Once again I called the bank and was told that the check was counterfeit. I told them I was unaware of that fact. I never received any of the funds nor spent any of the money considering that I was not intentionally attempting to defraud the bank. I have had the account for a year and never bounced a check or anything of the sort. Eagle National Bank then told me they were closing my account and that was the end of it because they reserve the right to close any account at any time. What really got me was then they said they reported me to XXXX and I would not be able to open another bank account anywhere for 5 years which as a XXXX year old person not to have a bank account in this day and age is unbelievable. I 've also received two letters from the bank stating the closure of my account but have n't received a check for the that was in account before the deposit.,,Consent provided,Web,2016-10-15,Closed with explanation,Yes,No,CR2162364,1493
2016-10-15,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,"XXXX COMPLAINT AGAINST Eagle National Bank EMPLOYEES : FOR DENIAL OF BANKING SERVICES// UNDER CFR : TITLE XXXX - CHAPTER XXXX - PART XXXX - SECTION XXXX - SPECIFIC DISCRETIONARY ACTS PROHIBITED/ VIOLATION OF FINANCIAL INSTITUTION CODE OF ETHICS GUIDELINES - FOR DISHONESTY, CONSPIRACY AND COVER-UP'S/ AND FOR BEING GROSSLY INCONVENIENCED ON THE DATE OF XXXX XXXX, 2016. I XXXX XXXX, WENT TO THE Eagle National Bank LOCATED AT : ( XXXX XXXX XXXX XXXX, XXXX XXXX, FLORIDA XXXX ) TO CONDUCT A SIMPLE BUSINESS TRANSACTION. UNBEKNOWN? WHAT I WAS ABOUT TO ONCE AGAIN EXPERIENCE. I PROCEEDED INSIDE THE BANK, WITH THE EXCEPTION OF CASHING MY CHECK. UNFORTUNATELY, THE EMPLOYEES AT THE BRANCH HAD OTHER THINGS IN MIND. 

I OBSERVED THEM PROFILING ME, AS I STOOD IN LINE, AND WAITED, AND WAITED, AND DONE EVEN MORE WAITING. APPROXIMATELY THIRTY MINUTES HAD ALREADY PAST. THE THOUGHT 'S THAT IMMEDIATELY FLOOD MY MIND, WERE ... "" AM I ON AMERICA MOST WATCHED ''? I COULD ALSO SEE XXXX XXXX AND XXXX XXXX, ( FROM THE NAME 'S ON THEIR NAME PLATES ) EXCHANGING WORDS. EVENTUALLY, I WAS FINALLY CALLED TO THE SERVICE COUNTER. 

XXXX XXXX SAID, "" HOW MAY I HELP YOU ''? .. AND I REPLIED, "" I WOULD LIKE TO CASH THIS CHECK ''. SHE ASKED, "" DO YOU HAVE AN ACCOUNT WITH US ''? AND I SAID, NO! AND SHE MADE IT APPEAR, AS IF SHE WAS TRYING TO PROCESS THE CHECK. SHE ABRUPTLY STATED ... '' I WILL HAVE TO GET A MANAGER TO VERIFY THE CHECK ''. SHE SIGNALED TO THE MANAGER, XXXX XXXX. WHOM CAME OVER TO SERVICE COUNTER. XXXX XXXX THEN BEGAN TO EXPLAIN WHAT SHE REQUIRED OF HER. AND HANDED HER THE CHECK AND MY CREDENTIALS. XXXX XXXX, THEN LED ME AWAY FROM THE SERVICE COUNTER, OVER TO THE ATM WITH TELLER ASSISTANT. 
AND ONCE AGAIN? I FIND MYSELF, WAITING IN ANOTHER LINE. SO, I EXPLICITLY EXPRESSED MY FRUSTRATION ; ... OUT, ALOUD! AND SHE SUGGESTED, THAT I MOVE TO THE FRONT OF THE LINE. 

NOW THEREFOR, IF THE CHECK NEEDED TO BE VERIFIED BY A BANK MANAGER? AND THE ONLY WAY TO ACHIEVE THIS ... WAS TO COMPARE THE SIGNATURE WITHIN THE Eagle National Bank COMPUTER SYSTEM ; WHILE PHYSICALLY VIEWING THE CHECK. WHY THEN? ..WAS I MISLED, TO BELIEVE, THAT IT COULD BE DONE AT THE ATM TELLER MACHINE. AND WHEN I THOUGHT, THAT THINGS COULD N'T GET ANY WORSE? .... IT DID! ..AND FOR NO GOOD REASON, WHATSOEVER ... THEY INTENTIONALLY CAUSE THE ATM TELLER SERVICE TO SHUENOWN. AND IT SUDDENLY BECAME INOPERABLE. THE ADDED DELAY 'S WAS MANUFACTURED TO FURTHER INCONVENIENCE XXXX XXXX. BECAUSE, THEY KNEW ... THAT THEY WERE BEING DISHONEST. 

THE FUNDAMENTAL CONCERN THAT I 'M HAVING ISSUE 'S WITH, IS THIS? EVEN THOUGH THE ATM MACHINE PLAYED A SIGNIFICANT ROLE. IT WAS NOT THE PRIMARY CAUSE TO THE PROBLEM. ( IT WAS THE HUMAN FACTOR!! ) WHOM ORCHESTRATED AND CAUSE THESE THINGS TO HAPPEN. SO, IF YOU ( ELIMINATE OR MINIMIZE ) THE HUMAN INTERACTION WITH BANK CUSTOMER 'S. AND INSTALL FULLY FUNCTIONAL AUTOMATED ATM SYSTEM 'S. IT MAY STOP SOME OF THESE CLAIMS, THAT Eagle National Bank WILL FACE IN THE FUTURE. 

ANOTHER THING? ... I DID NOT CAUSE THIS UPON MYSELF. I WENT TO THE BANK FOR ONE THING, AND ONE THING ONLY! AND THAT WAS? TO CONDUCT MY BUSINESS, BY CASHING THE CHECK AND GETTING OUT OF THERE.. PRIOR TO THIS? ON TWO OR THREE OTHER OCCASIONS, AT THIS PARTICULAR BRANCH ; ... I WAS ABLE TO CASH CHECKS. THAT WAS ENDORSED BY THE SAME ACCOUNT HOLDERS NAME, THAT 'S PRINTED ON THE CHECK. SO THEREFORE, IF THE CHECK WAS FORGED? .. ( WHICH IT WAS N'T. ) THE ACCOUNT HOLDER 'S WOULD HAVE FILED A CLAIM FOR THEFT. ( TO MY KNOWLEDGE? ) .... THE BANK EMPLOYEES HAD ALREADY CONSPIRED, TO NOT ASSIST ME, WITH GETTING THE CHECK CASHED. ... ATWHICH, I DISCOVERED LATER ON TO BE THE OUTCOME. 

Eagle National Bank EMPLOYEE 'S FRIVOLOUS REASON, WHICH THEY GAVE FOR THE DENIAL OF SERVICE, WAS? ... "" THE SIGNATURE OF THE ACCOUNT HOLDER, DID NOT MATCH, WITH WHAT THEY HAD ON FILE ''. THIS IS XXXX",,Consent provided,Web,2016-10-19,Closed with explanation,Yes,No,CR2160218,1455
2016-10-15,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,"XXXX XXXX 'S COMPLAINT AGAINST Eagle National Bank EMPLOYEES : FOR DENIAL OF BANKING SERVICES// UNDER CFR : TITLE 14 - CHAPTER V - PART 1250 - SECTION 1250.103-2 - SPECIFIC DISCRETIONARY ACTS PROHIBITED/ VIOLATION OF FINANCIAL INSTITUTION CODE OF ETHICS GUIDELINES - FOR DISHONESTY, CONSPIRACY AND COVER-UP'S/ AND FOR BEING GROSSLY INCONVENIENCED ON THE DATE OF XXXX XXXX, 2016. I XXXX XXXX, WENT TO THE Eagle National Bank LOCATED AT : ( XXXX XXXX XXXX XXXX, XXXX XXXX, FLORIDA XXXX ) TO CONDUCT A SIMPLE BUSINESS TRANSACTION. UNBEKNOWN? WHAT I WAS ABOUT TO ONCE AGAIN EXPERIENCE. I PROCEEDED INSIDE THE BANK, WITH THE EXCEPTION OF CASHING MY CHECK. UNFORTUNATELY, THE EMPLOYEES AT THE BRANCH HAD OTHER THINGS IN MIND. 

I OBSERVED THEM PROFILING ME, AS I STOOD IN LINE, AND WAITED, AND WAITED, AND DONE EVEN MORE WAITING. APPROXIMATELY THIRTY MINUTES HAD ALREADY PAST. THE THOUGHT 'S THAT IMMEDIATELY FLOOD MY MIND, WERE ... "" XXXX ''? I COULD ALSO SEE XXXX XXXX AND XXXX XXXX, ( FROM THE NAME 'S ON THEIR NAME PLATES ) EXCHANGING WORDS. EVENTUALLY, I WAS FINALLY CALLED TO THE SERVICE COUNTER. 

XXXX XXXX SAID, "" HOW MAY I HELP YOU ''? .. AND I REPLIED, "" I WOULD LIKE TO CASH THIS CHECK ''. SHE ASKED, "" DO YOU HAVE AN ACCOUNT WITH US ''? AND I SAID, NO! AND SHE MADE IT APPEAR, AS IF SHE WAS TRYING TO PROCESS THE CHECK. SHE ABRUPTLY STATED ... '' I WILL HAVE TO GET A MANAGER TO VERIFY THE CHECK ''. SHE SIGNALED TO THE MANAGER, XXXX XXXX. WHOM CAME OVER TO SERVICE COUNTER. XXXX XXXX THEN BEGAN TO EXPLAIN WHAT SHE REQUIRED OF HER. AND HANDED HER THE CHECK AND MY CREDENTIALS. XXXX XXXX, THEN LED ME AWAY FROM THE SERVICE COUNTER, OVER TO THE ATM WITH TELLER ASSISTANT. 
AND ONCE AGAIN? I FIND MYSELF, WAITING IN ANOTHER LINE. SO, I EXPLICITLY EXPRESSED MY FRUSTRATION ; ... OUT, ALOUD! AND SHE SUGGESTED, THAT I MOVE TO THE FRONT OF THE LINE. 

NOW THEREFOR, IF THE CHECK NEEDED TO BE VERIFIED BY A BANK MANAGER? AND THE ONLY WAY TO ACHIEVE THIS ... WAS TO COMPARE THE SIGNATURE WITHIN THE Eagle National Bank COMPUTER SYSTEM ; WHILE PHYSICALLY VIEWING THE CHECK. WHY THEN? ..WAS I MISLED, TO BELIEVE, THAT IT COULD BE DONE AT THE ATM TELLER MACHINE. AND WHEN I THOUGHT, THAT THINGS COULD N'T GET ANY WORSE? .... IT DID! ..AND FOR NO GOOD REASON, WHATSOEVER ... THEY INTENTIONALLY CAUSE THE ATM TELLER SERVICE TO SHUENOWN. AND IT SUDDENLY BECAME INOPERABLE. THE ADDED DELAY 'S WAS MANUFACTURED TO FURTHER INCONVENIENCE XXXX XXXX. BECAUSE, THEY KNEW ... THAT THEY WERE BEING DISHONEST. 

THE FUNDAMENTAL CONCERN THAT I 'M HAVING ISSUE 'S WITH, IS THIS? EVEN THOUGH THE ATM MACHINE PLAYED A SIGNIFICANT ROLE. IT WAS NOT THE PRIMARY CAUSE TO THE PROBLEM. ( IT WAS THE HUMAN FACTOR!! ) WHOM ORCHESTRATED AND CAUSE THESE THINGS TO HAPPEN. SO, IF YOU ( ELIMINATE OR MINIMIZE ) THE HUMAN INTERACTION WITH BANK CUSTOMER 'S. AND INSTALL FULLY FUNCTIONAL AUTOMATED ATM SYSTEM 'S. IT MAY STOP SOME OF THESE CLAIMS, THAT Eagle National Bank WILL FACE IN THE FUTURE. 

ANOTHER THING? ... I DID NOT CAUSE THIS UPON MYSELF. I WENT TO THE BANK FOR ONE THING, AND ONE THING ONLY! AND THAT WAS? TO CONDUCT MY BUSINESS, BY CASHING THE CHECK AND GETTING OUT OF THERE.. PRIOR TO THIS? ON TWO OR THREE OTHER OCCASIONS, AT THIS PARTICULAR BRANCH ; ... I WAS ABLE TO CASH CHECKS. THAT WAS ENDORSED BY THE SAME ACCOUNT HOLDERS NAME, THAT 'S PRINTED ON THE CHECK. SO THEREFORE, IF THE CHECK WAS FORGED? .. ( WHICH IT WAS N'T. ) THE ACCOUNT HOLDER 'S WOULD HAVE FILED A CLAIM FOR THEFT. ( TO MY KNOWLEDGE? ) .... THE BANK EMPLOYEES HAD ALREADY CONSPIRED, TO NOT ASSIST ME, WITH GETTING THE CHECK CASHED. ... ATWHICH, I DISCOVERED LATER ON TO BE THE OUTCOME. 

Eagle National Bank EMPLOYEE 'S FRIVOLOUS REASON, WHICH THEY GAVE FOR THE DENIAL OF SERVICE, WAS? ... "" THE SIGNATURE OF THE ACCOUNT HOLDER, DID NOT MATCH, WITH WHAT THEY HAD ON FILE ''. THIS IS MER",,Consent provided,Web,2016-10-19,Closed with explanation,Yes,Yes,CR2160935,1218
2016-10-15,Credit card,,Other,,"I have several times been unable to verify my identity by phone ( e.g. when traveling ) after answering several "" identity verification '' questions. This has happened with XXXX different credit card companies. I have checked my credit reports and scores and while there are minor errors, my scores are good and there is no evidence of identity theft. I was unable to verify my identity to get the credit reports, however, and had to go through a friend who made a business inquiry to get the report. I am at a loss as to what to do : I suspect this is inaccurate information on one of the credit bureau 's identity verification products but I have no idea - the credit card companies ( XXXX, Eagle National Bank ) wo n't tell me even which product they use to verify my identity. What do I do?",,Consent provided,Web,2016-10-15,Closed with explanation,Yes,No,CR2162259,1048
2016-10-15,Credit card,,Unsolicited issuance of credit card,,"A target in-store cashier convinced me to open a Target Credit Card when I already had one open as of 2015, and the cashier told me I did n't have one opened in the past. Now it 's on my credit report and now I have XXXX Target Credit Card 's when I 'm not even using the XXXX. I called Target customer service who said that he would close my new card that the cashier opened for me recently and that he would close the card after transferring the owed balance to the old card. That does n't resolve the issue because that 's now on my credit report for a unauthorized credit pull as I was lied to about not having a red card opened in the past when I clearly did.",,Consent provided,Web,2016-10-15,Closed with non-monetary relief,Yes,No,CR2161473,3887
2016-10-15,Credit card,,Customer service / Customer relations,,"After repeat attempts for assistance with managing my accounts and the online options that Target provides, Target was unable to assist me and then would not work with me on removing some of the fees assessed as a result. I have a Target Redcard and I was having trouble managing it with electronic statements. I contacted to try and get paper statements I was told that I had to change them online, online it has a link to Stop Paper Statements no link to stop electronic statements or even manage electronic statements. Since I was unable to manage my statements I incurred XXXX late fees. When I attempted to correct this situation. Target informed me that they can not make a refund after 30 days, I never agreed to that and if I was able to manage my electronic statements I would have known within 30 days that I had an outstanding balance ( emails easily get lost - which is why i tried to change to paper ) and would have paid it and not incurred anymore fees but now i am told that no fee can be returned and that the fees will be sent to a collection agency if I do not pay them. They say they are sorry but there is nothing they can do.",,Consent provided,Web,2016-10-15,Closed with explanation,Yes,No,CR2162293,4008
2016-10-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-10-15,Closed with monetary relief,Yes,No,CR2162441,1846
2016-10-15,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-10-15,Closed with monetary relief,Yes,No,CR2162479,4349
2016-10-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-10-15,Closed with explanation,Yes,No,CR2162471,2606
2016-10-14,Bank account or service,Checking account,Deposits and withdrawals,,"I have Had an business account with Eagle National Bank for just about and year now. 
XX/XX/2016 around XX/XX/XXXX - XX/XX/XXXX My account was a target of Fraud. 
With that being said, they did follow threw with making the claim.But, On the date of XXXX/XXXX/2016 Eagle National Bank did and unauthorized with draw from My account in the amount of $ -XXXX as well as $ -XXXX. 
for a total of XXXX. Dur-ring this time I was in the process of moving my funds to another bank because this was the 2nd time this has happen to my account. Eagle National Bank could n't provide reason as to why this happened to my account. On top of all of this slapped me with an XXXX overdraft fee and the rest of the amount that was over drawn from the account. as you take a look at the amount you may see it had and small amount but it my small amount and it was taken from me with out an lettered statement telling me the process date the amount and a reason why. I had to wake up and text message an Email tell me my account has been overdrawn. Eagle National Bank rep stated to me after ( we dont have to sent statement out to you it our account, ( "" Yea, But its My money!! '' ) An I would like it all place back on my account. I would consider it stolen as we speak. ( NONE, of Eagle National Bank starter account paper work stated "" we dont have to sent statement out to you if we take money out your account. ) I only speak/s of and overdraft fee. with this in mind, I would like the rest of the funds, that was taken out My account sent to me in a check. Its Only right!",,Consent provided,Web,2016-10-18,Closed with explanation,Yes,No,CR2160741,2346
2016-10-14,Bank account or service,Checking account,Deposits and withdrawals,,"I received a check from Eagle National Bank for a residual balance on a closed account. Inadvertently, I cashed this check, which was beyond the "" Void after 120 days. '' Initially the check was paid to my account. Then, the amount of the check, {$14.00}, was removed from my account, and I was imposed a {$12.00} returned item fee. In general, I find Eagle National Bank 's fees to be deceptive as they are not clearly advertised, yet they are imposed frequently. I find the returned item fee of {$12.00} to be unfair as it is Eagle National Bank who owes the {$14.00}. It is predatory to not only keep my money once the check is void, but then to charge me {$12.00} when I try to claim the money that is mine.",,Consent provided,Web,2016-10-14,Closed with monetary relief,Yes,Yes,CR2161569,1300
2016-10-14,Bank account or service,Checking account,Using a debit or ATM card,,"On XX/XX/XXXX and XX/XX/2016, XXXX transactions at XXXX and XXXX in California were charged to my business account totaling {$16000.00}. When the first XXXX transactions were attempted, Eagle National Bank notified me via text and email. I responded to neither notification because I was busy at the time. The next day I check my account and see that all of XXXX or the XXXX transactions had posted and I immediately asked my partner to report the fraudulent activity to Eagle National Bank. And the first claim was opened. We could not open a claim against the other transactions because they had not posted. My claim has been denied 5 times for XXXX different non valid reasons. Denial 1 : It is unlikely that a chip card could be cloned and used. Denial 2 : The transactions were verified via a phone number listed on the account and the additional transactions were allowed. Denial 3 : We made a withdrawal on XX/XX/XXXX and should have known that there was fraud on our account. These points were ground for denial by an investigator named XXXX. If XXXX had done any type of due diligence he would have been aware of the following. First, I provided phone records that show that Eagle National Bank did not call us and talk to us on the number that they claimed verified the transactions. The only call that was made, was to report the fraud. Second, we reported the claim right after the transactions were made, well before the withdrawal made on XX/XX/XXXX, so of course we knew that fraud had occurred on our account, WE REPORTED IT. Third, there is absolutely no way that Eagle National Bank 's chip cards could not be cloned, all of our cards were in our possession at the time and we were located in XXXX All of these transactions occurred in XXXX, the card was cloned and used to steal over $ XXXX. 

During my attempts to try and actual reach a competent investigator, I have been treated as if this was my fault entirely. Eagle National Bank has not given me a shred of evidence that proves that this was not fraud, but yet my claim has been denied 4 times in the past 3 weeks. The most helpful person thus far, has been XXXX an Account XXXX in XXXX, who actually emailed XXXX 's supervisor with the above points that I have made. XXXX did absolutely no research on the claim and yet still denied it. It angers me that Eagle National Bank can treat a customer of 11 years, with no history of any fraud on any account, like a nobody. {$16000.00}, may not be a lot of money in their eyes, but it is everything to my family and I. this process has gone on long enough, I am at the end of my road and tired of banks walking over people, just because they can. 
Here is a record of all interactions with Eagle National Bank representatives : XXXX from Delaware XX/XX/2016 - Informed me that my claim had been denied because someone called in to EN from the phone number on the account, and verified the transactions. Advised me that I could send in my phone records ( sent on XX/XX/XXXX ) and that would help with the reconsideration process. 
XXXX from XXXX XX/XX/2016 - Advised me that she had placed a note on my claims for an investigator to call me, and discuss the issues that I had with denials. 
XXXX ( Investigator ) XX/XX/XXXX - Called me to discuss the claim from the beginning to the end. He advised me that he would be reaching out to target and trying to get some additional information about the transactions. I also informed him that I had faxed in the phone records the previous day and that would disprove the denial that is based on EN speaking to someone about the account. XXXX also advised me that he would be calling me back by the EOD Friday if he could, but if not, he would call by the EOD on Tuesday XX/XX/2016 ( Monday was a holiday ). XXXX did not call me back at all. He went on to deny my claims on that same day that he spoke with me, not even bothering to look at the phone records. XXXX has escalated.",,Consent provided,Web,2016-10-14,Closed with explanation,Yes,Yes,CR2160733,7797
2016-10-14,Credit card,,Rewards,,i never used this card. i was applied as an authorized user. I made a payment inside the branch to bring current and to stay active. the bank never stated my payment would take three - four business days to apply to the credit card. A week later i received a collections letter. i called the collections office and they had no record of my payment. this card should have stayed active as i was making payments.,,Consent provided,Web,2016-10-26,Closed with non-monetary relief,Yes,No,CR2160960,3170
2016-10-14,Credit card,,Other fee,,"I received a statement for my credit card, which shows {$1.00} as a Fee Charged in the Account Summary box ( in the top left of the first page ). Then in the Transaction Detail box ( in the middle of the first page ), it lists the {$1.00} as "" Minimum Interest Charge. '' But when I look at the Interest Charge Calculation box ( in the middle of the third page ), it does not reflect any dollar amount as a "" Balance Subject to Interest Rate. '' I do n't understand why I was charged the {$1.00}, and I do not know if the provider does either seeing as their statement is so conflicting with the information. This looks to be a UDAAP violation as it is unfair to charge a fee that I can not trace its origination, as well as deceptive.",,Consent provided,Web,2016-10-14,Closed with monetary relief,Yes,No,CR2161427,9370
2016-10-14,Credit card,,Advertising and marketing,,,,Consent not provided,Web,2016-10-14,Closed with non-monetary relief,Yes,No,CR2161843,418
2016-10-14,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2016-10-14,Closed with explanation,Yes,Yes,CR2160830,421
2016-10-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-10-14,Closed with explanation,Yes,No,CR2161063,1844
2016-10-14,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Other,Web,2016-10-18,Closed with explanation,Yes,No,CR2161492,1043
2016-10-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-18,Closed with explanation,Yes,No,CR2161476,1152
2016-10-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am filing this complaint against Eagle National Bank in XXXX XXXX, California. 

Yesterday I went to the branch to place my wife 's automobile title into our safe deposit box. A bank manager led me into the vault where we both discovered my box drilled open and my documents and cash removed from the box ( see attached photos ). There were XXXX bank employees in the vault with several plastic bags holding documents from other customers ' boxes. I asked where my documents were and they produced a sealed plastic bag with my documents and cash inside. I asked why they removed my documents from the box and they initially said that it was due to non-payment of the box fees. Then they changed their story and said that they did it because they did not have all my wife 's information. I asked what would have happened had I not shown up to discover this. They answered that they were going to send all the contents to a "" holding facility ''. The bank manager who led me into the vault was as surprised as I was. The XXXX employees seemed surprised as well. I said : "" Let me get the straight. I come in here to find my personal documents and thousands of dollars in foreign currency removed from my safe deposit box. You have my phone number, my email, my EN account on your website, and you could not contact me? Had I come in tomorrow all my personal belongings would have been gone. '' My question is : Is this legal? I never received any notice of delinquent fees, nor any notice of my wife 's information being incomplete. They have my physical address, email, my phone number. I use the ATM at the branch weekly. They could have blocked my use and sent me a message to see a bank officer. 

I feel that our privacy has been violated. Among the many sensitive documents in the box, the documents included our marriage license, my wife 's Social Security Card, our parents ' living wills, our Pre-Marriage Agreement and our birthdates and social security numbers. To me this is a direct violation of the trust agreement between us and Eagle National Bank.",,Consent provided,Web,2016-10-13,Closed with explanation,Yes,Yes,CR2158244,2593
2016-10-13,Bank account or service,Checking account,Using a debit or ATM card,,"I recently contacted Eagle National Bank for a dispute, and told me it could n't be done! I said What! I had {$210.00} taken out of my account, and it was not authorized by me. XXXX took the funds out my debit, and my wife 's! They should of just been from my wife 's account not mine! I just noticed, Because I am - {$72.00} and I said how! So I call and the guy tells me I ca n't do anything for you right now! I do n't know if Eagle National Bank does n't like me for filing a complaint on the way they handled my case before! I love this bank and I hate to fill these complaints out, but I do n't have much money and ca n't afford these set backs, and crazy fees, and shadiness these banks do!",Older American,Consent provided,Web,2016-10-13,Closed with monetary relief,Yes,No,CR2159954,3138
2016-10-13,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I went to my local Eagle National Bank branch on Monday, XXXX XXXX, 2015 at XXXX PM. They had only XXXX teller window open. The line was so long it went out of the branch doors. I could see XXXX different bank employees walking around the bank. They were talking and laughing as if they did not even see the line. When I finally got to the teller window they told me they did not care about my wait and I should use the ATM. I called the same branch the next day to speak with the branch manager about my experience. I called the branch 4 times and no person answered the phone. They also do not have any voicemail or a way to leave a message. Finally, at XXXX XXXX, on the fifth phone attempt a branch employee answered the phone. She told me that the branch manager had gone home for the day! I requested a return phone call from the branch manager and the employee took the message. We are now towards the end of the next day and I have not heard from her. I just called the branch again, and once again, no one answered the phone. 

I just called the XXXX number for Eagle National Bank and their representative said there is no way to relay my message to the branch. They said that the bank wants to cut expenses by minimizing human staff. 

I feel that this is unacceptable. Eagle National Bank was XXXX of the banks that helped created the Financial Crisis. As a result of the Financial Crisis, they became XXXX of the largest banks in America from both acquiring and putting smaller banks out of business. I feel they have an obligation to our XXXX and our XXXX to provide a reasonable minimum level of customer service. 

Thank you for listening!",,Consent provided,Web,2016-10-13,Closed with explanation,Yes,No,CR2158111,492
2016-10-13,Bank account or service,Checking account,"Account opening, closing, or management",,"my bank account was closed, and left me with debt, after a few attempts to steal my identity and was harassed constantly by a company called XXXX, and also a XXXX. 
my credit card and bank card were both stolen from me. I filed a frud claim, but was never responded to.",,Consent provided,Web,2016-10-13,Closed with explanation,Yes,No,CR2159123,3471
2016-10-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"This is my SECOND complain about Eagle National Bank. I did contact my bank several times about cancellation MIP but they refused to do so even after my first complain to your agency which I submitted on XXXX/XXXX/XXXX. Today I received phone call from XXXX XXXX Resolution Specialist Regulation Complaints Eagle National Bank. He told me that he can not cancel MIP because of my outstanding balance. I bought my house on XXXX/XXXX/XXXX when it was appraised as of XXXX/XXXX/XXXX at {$210000.00}. Per FHA REGULATION my MIP MUST be automatically canceled "" WHEN THE LOAN-TO-VALUE RATIO REACHES 78 % OF APPRAISAL VALUE BASED ON THE ORIGINAL AMORTIZATION SCHEDULE ''. ( see attachment ). Which means that 78 % from {$210000.00} appraisal value ( see attachment ) is {$170000.00}. On XXXX/XXXX/XXXX my balance was {$170000.00} but on XXXX/XXXX/XXXX my bank again charge me {$130.00} of MIP. And after my complain to your agency on XXXX/XXXX/XXXX they charge me again on XXXX/XXXX/XXXX {$130.00}. 
I am a citizen of this country and I refused to be ABUSED by Eagle National Bank and their employers who stilling money from hard working people. I will never stop complaining until Eagle National Bank return my money. I will go to a media, I will get a layer, I will reach FHA loan administration and let them know how Eagle National Bank abused their power and stilling money from people. And after that I will take my mortgaged to a different bank.",,Consent provided,Web,2016-10-13,Closed with non-monetary relief,Yes,No,CR2159519,5978
2016-10-13,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,"XXXX FL XXXX 

XX/XX/2016

Eagle National Bank CORPORATION
PRINCIPAL ADDRESS:
XXXX - [ PRES. / DIR. ]
XXXX NC XXXX


REGISTERED AGENT:
XXXX FL XXXX


RE: Eagle National Bank
XXXX FL XXXX


XXXX COMPLAINT AGAINST Eagle National Bank EMPLOYEES:  FOR DENIAL OF BANKING SERVICES// UNDER CFR: TITLE 14 - CHAPTER V - PART 1250 - SECTION 1250.103-2 -  SPECIFIC DISCRETIONARY ACTS PROHIBITED/  VIOLATION OF FINANCIAL INSTITUTION CODE OF ETHICS GUIDELINES - FOR DISHONESTY, CONSPIRACY AND COVER-UP'S/ AND FOR BEING GROSSLY INCONVENIENCED



ON THE DATE OF XX/XX/2016.  I XXXX, WENT TO THE Eagle National Bank LOCATED AT: (XXXX, FLORIDA XXXX) TO CONDUCT A SIMPLE BUSINESS TRANSACTION.  UNBEKNOWN?  WHAT I WAS ABOUT TO ONCE AGAIN EXPERIENCE.  I PROCEEDED INSIDE THE BANK, WITH THE EXCEPTION OF CASHING MY CHECK.  UNFORTUNATELY, THE EMPLOYEES AT THE BRANCH HAD OTHER THINGS IN MIND.  


I OBSERVED THEM PROFILING ME, AS I STOOD IN LINE, AND WAITED, AND WAITED, AND DONE EVEN MORE WAITING.  APPROXIMATELY THIRTY MINUTES HAD ALREADY PAST.  THE THOUGHT'S THAT IMMEDIATELY FLOOD MY MIND, WERE...  ""AM I ON AMERICA MOST WATCHED""?  I COULD ALSO SEE XXXX AND XXXX, (FROM THE NAME'S ON THEIR NAME PLATES) EXCHANGING WORDS.  EVENTUALLY, I WAS FINALLY CALLED TO THE SERVICE COUNTER.

XXXX SAID, ""HOW MAY I HELP YOU""?  ..  AND I REPLIED, ""I WOULD LIKE TO CASH THIS CHECK"".  SHE ASKED, ""DO YOU HAVE AN ACCOUNT WITH US""?  AND I SAID, NO!  AND SHE MADE IT APPEAR, AS IF SHE WAS TRYING TO PROCESS THE CHECK.  SHE ABRUPTLY STATED...""I WILL HAVE TO GET A MANAGER TO VERIFY THE CHECK"".  SHE SIGNALED TO THE MANAGER, XXXX.  WHOM CAME OVER TO SERVICE COUNTER.  XXXX THEN BEGAN TO  EXPLAIN WHAT SHE REQUIRED OF HER.  AND HANDED HER THE CHECK AND MY CREDENTIALS.  XXXX, THEN LED  ME AWAY FROM THE SERVICE COUNTER, OVER TO THE ATM TELLER SERVICE.  AND ONCE AGAIN?   I FIND MYSELF, WAITING IN ANOTHER LINE.   SO, I EXPLICITLY EXPRESSED MY FRUSTRATION;...OUT, ALOUD!   AND SHE SUGGESTED, THAT I MOVE TO THE FRONT OF THE LINE.   
NOW THEREFOR, IF THE CHECK NEEDED TO BE VERIFIED BY A BANK MANAGER?  AND THE ONLY  WAY TO ACHIEVE THIS...  WAS TO COMPARE THE SIGNATURE WITHIN THE Eagle National Bank COMPUTER SYSTEM; WHILE PHYSICALLY VIEWING THE CHECK.   WHY THEN?  ..WAS I MISLED, TO BELIEVE, THAT IT COULD BE DONE AT THE ATM TELLER MACHINE.   AND WHEN I THOUGHT, THAT THINGS COULDN'T GET ANY WORSE?....  IT DID!  ..AND FOR NO GOOD REASON, WHATSOEVER... THEY INTENTIONALLY CAUSE THE ATM TELLER SERVICE TO SHUENOWN.  AND IT SUDDENLY BECAME INOPERABLE.  THE ADDED DELAY'S WAS MANUFACTURED TO FURTHER INCONVENIENCE MR. MATTIS.  BECAUSE, THEY KNEW... THAT THEY WERE BEING DISHONEST.  


THE FUNDAMENTAL CONCERN THAT I'M HAVING ISSUE'S WITH , IS THIS?  EVEN THOUGH THE ATM MACHINE  PLAYED A SIGNIFICANT ROLE.  IT WAS NOT THE  PRIMARY CAUSE TO THE PROBLEM.  (IT WAS THE HUMAN FACTOR!!)  WHOM ORCHESTRATED AND CAUSE THESE THINGS TO HAPPEN.  SO, IF YOU (ELIMINATE OR MINIMIZE) THE HUMAN INTERACTION WITH BANK CUSTOMER'S.  AND INSTALL FULLY FUNCTIONAL AUTOMATED  ATM SYSTEM'S.   IT MAY STOP SOME OF THESE CLAIMS, THAT Eagle National Bank WILL FACE IN THE FUTURE.  


ANOTHER THING?...I DID NOT CAUSE THIS UPON MYSELF.   I WENT TO THE BANK FOR ONE THING, AND ONE THING ONLY!  AND THAT WAS?  TO CONDUCT MY BUSINESS, BY CASHING THE CHECK AND GETTING OUT OF THERE.  .  PRIOR TO THIS?  ON TWO OR THREE OTHER OCCASIONS, AT THIS PARTICULAR BRANCH; ...I WAS ABLE TO CASH CHECKS.   THAT WAS ENDORSED BY THE SAME ACCOUNT HOLDERS NAME, THAT'S PRINTED ON THE CHECK.  SO THEREFORE, IF THE CHECK WAS FORGED? ..(WHICH IT WASN'T.)  THE ACCOUNT",,Consent provided,Web,2016-10-13,Closed with explanation,Yes,Yes,CR2159574,820
2016-10-13,Credit card,,Advertising and marketing,,"Eagle National Bank has a section on its website where you can "" check for customized offers. '' I did and based on the wording, the website made it seem as though the bank was pre-qualifying me for a credit card, and with this confidence I applied and was denied adding a hard inquiry into my credit report. The wording for the "" check customized offers '' section makes it seem as if consumers searching for credit are pre-qualified for the credit cards listed because one is not able to see the credit cards until entering information such as name, social security number, date of birth etc. This is very misleading for consumers and costing them a hard inquiry which then affects their credit score! Eagle National Bank must stop this misleading practice, essentially billing a "" customized offer '' as a pre-qualification offer of sorts.",,Consent provided,Web,2016-10-13,Closed with explanation,Yes,No,CR2158470,4459
2016-10-13,Credit card,,APR or interest rate,,"Eagle National Bank has been in direct violation of the Credit Card Accountability Act of 2009 by constantly applying payments in excess of the minimum required payment to balances with lower APR. 
After multiple calls, EN associates have acknowledged the issue and promised to fix it, but nothing was ever done. Furthermore, I 'm fairly certain that the same incorrect interest charges are applied to XXXX other customers. 
This issue has been going on for more than a year with my account specifically, and I simply have no choice but to file this complaint.",,Consent provided,Web,2016-10-13,Closed with explanation,Yes,No,CR2157629,4812
2016-10-13,Credit card,,Billing disputes,,"On one night of my stay at the XXXX this XXXX ( Friday, XXXX XXXX ) I took my friends to XXXX. The bill of {$3300.00} I put on my Visa, which I handed to the staff, along with my license, to take and charge. I signed for the {$3300.00} and went on my way. However, I noticed after I got home the following week that there was a separate charge for {$630.00} on my visa, a charge that I did n't authorize. Visa sent me copies of both receipts, which to my surprise were both signed. The signature on the {$630.00} is not my signature. Visa is refusing to credit me because XXXX had a copy of my license, which I readily admit I handed over to pay the {$3300.00}. I want the {$630.00} refunded to my Visa. Visa says there is nothing they can do because its a "" he said, she said '' situation. I contacted the merchant and they also refuse to refund the fraudulent charge. Visa is supposed to protect its customers from fraud.",,Consent provided,Web,2016-10-17,Closed with explanation,Yes,No,CR2159837,1153
2016-10-13,Credit card,,Billing disputes,,"I have a Target credit card issued by Eagle National Bank. I have always paid this and all of my other credit cards in full and on time. I receive my bills by e-delivery, meaning I do not get a paper statement and must sign in to my account to see my balance and transactions. At the beginning of this year, Target was having technical problems with its website. Every time I attempted to log in, I received an error message saying that there was a handshake error. Therefore, I had no idea what, if anything, I owed on my Target credit card. I had contacted Target via email to notify them that I was having problems accessing my account. 
I had attempted to reach the site via an XXXX XXXX browser on a desktop, a laptop and a mobile phone ; as well as a chrome browser on a desktop and a safari browser on my XXXX. None of the browsers were able to access the website, all were getting the handshake error. 
Each time I called the customer service center, there was an extremely long hold time and I was unable to wait to speak to a customer representative. Since I had automatic payments set up, I was n't concerned about my payment being late. 
When I finally did speak to a representative over the phone, I was told that due to a problem with my bank account, my automatic payment was returned and my account was past due. I immediately made a payment over the phone. The total amount that past due on my card was {$16.00}, and Eagle National Bank added a returned payment fee of XXXX plus {$1.00} interest for a total amount paid over-the-phone on XXXX XXXX, 2016 of {$34.00}. I did n't realize that the automatic payment had n't processed until that very day. The representative told me that the website issues were a known problem and they were working on it. 
I later discovered that Target had reported my account payment as late to the credit reporting agencies. I immediately wrote a dispute and contacted Eagle National Bank to ask them to correct the report because I had no way to view my statement or pay my bill since online access was unavailable. They suggested that I could have paid in store, but 1 ) I did not know in store payments were possible since I had always paid my bill online ; 2 ) I did not know that my automatic payment had n't processed ; and 3 ) I did n't know the amount due on my bill since I could not access my statement. They said they would pass my request along. 
It has been several months and my credit report still indicates that I paid my Target bill late even though it was due to circumstances that were outside my control. I recently received a letter from Eagle National Bank indicating that they believe the report of a late payment was appropriate. However, the XXXX XXXX XXXX XXXX requires that Eagle National Bank provide a statement listing my charges, the amount due and the date due. Since their website was down for several weeks and I was not able to access the e-statement ( and a paper statement was not sent ) they did not fulfill this requirement. 
I am XXXX of the Target customers who was notified that my personal information was accessed in the recent breach of security. So this is another way that Target/Eagle National Bank did not fulfill their commitments to me as a customer. Despite that, they have negatively impacted my credit score for circumstances that were totally within their control to correct by fixing the website access problems. Notably, the website now works, so it was clearly not a problem on my end. 
I would like Target to amend their credit report filing to show that my account has always been in good standing. Please contact me a.s.a.p. with any questions.",,Consent provided,Web,2016-10-20,Closed with explanation,Yes,Yes,CR2158834,10269
2016-10-13,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-10-13,Closed with explanation,Yes,Yes,CR2159660,1295
2016-10-13,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-10-17,Closed with explanation,Yes,No,CR2159590,3853
2016-10-13,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-10-13,Closed with explanation,Yes,Yes,CR2159178,9760
2016-10-13,Bank account or service,Savings account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-10-13,Closed with monetary relief,Yes,No,CR2156722,4456
2016-10-13,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2016-10-13,Closed with explanation,Yes,No,CR2158762,2506
2016-10-13,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-10-17,Closed with explanation,Yes,No,CR2158163,2326
2016-10-13,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-10-13,Closed with non-monetary relief,Yes,No,CR2158836,1258
2016-10-12,Bank account or service,Checking account,Using a debit or ATM card,,"1 ). Eagle National Bank, without proper notification in writing, closed a business account ending with XXXX. This business account closure could interfere with XXXX, and several other factors. Account is in the financial red due to reasons explained in XXXX -- XXXX, XXXX, ESTATE, LEGACY AND ASSET CRIMES FILE. 
Intentions were to align the account in XXXX, when renovation payoffs were hoped to be completed. ( Partnerships can lend to one another by law ). BofA was NOT given permission to access account. Privacy invasion, possibility. 

2 ). Possible lie by Bank employee. 
Inconsistency flags a statement by BofA employee, Bank does not have authority nor can it access the client 's account without their permission. It has happened, inconsistency flags untruthfulness. 
WHAT IS BOFA POLICY ON THIS, PLEASE. 

3 ) Closure of debit/credit card within the action of aforementioned on another separate, personal/trust account used for trust and estate expenses, without any proper notification nor permission in course of aforementioned. Several transactions were processing such as XXXX insurance payments, utilities, other allowable transactions. There was plenty of funds in the account, over {$400.00} on XXXX/XXXX/XXXX, after all the payments in process, processed -- over a XXXX prior to processing. I went into a XXXX grocery store I frequent as a favorite, to buy homemade chicken soup ingredients for my late parents XXXX I was asked to care for, needs covered in trust documentation. A management level employee, was at the cashier 's counter, tallied the overall groceries to be {$41.00}. The soup and chicken is vital in sustaining their XXXX, nearly soon to be XXXX years old. ( There were a few other necessary items, as the trustee if not salaried, by federal and state, US Constitutional laws, also be entitled to eat and drink by law, to have energy to keep working in a job with stated income of $ XXXX per year, but because of reasons in aforementioned XXXX XXXX, legacy, assets crime file, this right by law denied, while Justice being pursued. WITHOUT ANY TEXT, Notification, Reason, card ending in XXXX was closed. Fortunately, I had my checkbook with me. This, combined that I am a known regular at XXXX 's, for decades, I wrote a check for {$41.00}, check number XXXX. I offered to go to the Bank to get cash, but the Manager was very nice to accept the check after the snags with the debit/credit card. NO EXCUSE TO BLINDSIDE WITH CREDIT OR DEBIT CARD CLOSURE, EITHER TEMPORARY OR OTHERWISE WITHOUT NOTIFICATION BY TEXT OR OTHERWISE, TO CUSTOMER. 
DEPENDENT UPON CUSTOMER, THIS CAN BE A HUMILIATING, UNWARRANTED EXPERIENCE, ESPECIALLY WITH ENOUGH SEVERAL TIMES OVER IN THE ACCOUNT. 
Invasion of privacy and rights by bank not appreciated. If any unauthorized activity is a concern by the Bank -- I appreciate notification by text. This has happened before and I have appreciated the texts, safeguarding by BofA. The debit/credit card was temporarily blocked, as recent transactions were confirmed if these were really generated by myself. 
All was fine when I verified. THESE TWO DIFFERENCES IN DEBIT/ CREDIT APPROACHES BY BOFA ARE NOT TO BE CONFUSED NOR MISUNDERSTOOD. IT IS OKAY FOR BOFA TO VERIFY TO PREVENT FRAUD WITH PROPER AUTHORIZATION AND NOTIFICATION -- THE BLINDSIDE, AS DESCRIBED AT THE GROCERY STORE IS THE ISSUE. ONE EXPECTS THEIR CARD TO WORK JUST FINE AND THE CUSTOMER FINDS OUT AT THE GROCERY STORE, WITHOUT ANY REASON, NOTIFICATION THAT IT IS CLOSED. ( LATER IN THE DAY I DISCUSSED CARD/ACCT WITH XXXX XXXX AT THE BOFA BRANCH IN XXXX XXXX, AS I HAVE HAD THE PLEASURE TO WORK WITH XXXX XXXX, BOFA MANAGER, WHO WAS NOT AVAILABLE, XXXX/XXXX/XXXX ). 
( I WISH TO CLARIFY THAT THERE ARE NO ISSUES WITH XXXX BOFA BANK OR THE EMPLOYEES MENTIONED BY NAME -- THESE XXXX WOMEN HAVE BEEN AS IDEAL AS POSSIBLE, VERY HELPFUL. 
THANK YOU.",Servicemember,Consent provided,Web,2016-10-12,Closed with explanation,Yes,No,CR2157941,2733
2016-10-12,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank did not notify me prior to placing hold on my account. They were served a Levy on XXXX XXXX, 2016 same day my funds were placed on hold, my only income ( pension ). I was not notified by the collector Levy was mailed to me same day. I am almost XXXX years of age worked hard all my life, until I had to take early retirement due to illness. This has placed in hardship with overdraft bank charges. I have filed complaint against the H.O.A. as well through this system.",,Consent provided,Web,2016-10-12,Closed with monetary relief,Yes,No,CR2157228,767
2016-10-12,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank has consistently been unwilling to work or resolve my complaints about my account, specifically in regards to overdraft fees. It is because of my overdraft fees that I am unable to keep current on my account, I have incurred hundreds of dollars ( over {$1000.00} ) of fees from the bank from the last year alone while not having a large income by any means. This has left me in a cycle of being short on funds to pay for bills and committed to the bank.",,Consent provided,Web,2016-10-12,Closed with monetary relief,Yes,No,CR2156884,13134
2016-10-12,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank, is hold back transections to trigger overdraft charges.",Older American,Consent provided,Web,2016-10-12,Closed with explanation,Yes,No,CR2157301,12325
2016-10-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,I am a victim of identity theft through mobile app from banking with Eagle National Bank with XXXX checks deposited in my account of fraud that i have no idea of why were they deposited into my account and the Eagle National Bank immediately located me and closed my account so now I am not able to get another account with any other bank and I just do not think that Eagle National Bank handled my situation in a great matter because It has been over one year now and I am still not able to open another account with any other bank and other banks want to but Eagle National Bank sent me in under the XXXX which XXXX is willing to remove the notification after the investigation that I had but Eagle National Bank is being very rude due to the fact that I am not guilty of this situation and it is hurting me because other banks wants to help me.,,Consent provided,Web,2016-10-12,Closed with non-monetary relief,Yes,No,CR2156393,6275
2016-10-12,Bank account or service,Checking account,Using a debit or ATM card,,"I had gone to XXXX XXXX to buy sofas. The woman at XXXX XXXX had made an error in an ottoman and had cancelled one part of the purchase and billed us again. Eagle National Bank has flagged it as fraudulent and we agreed, not recognizing the charge. Our debit card was called and the funds for the sofas were held in limbo, the bank saying that it had gone through but then XXXX XXXX saying they had not gone through. XXXX XXXX then wanting us to charge our card again. Finally we cancelled the purchase but while waiting for he XXXX to be credited back to our account, our account was in the negative and we had XXXX overdraft fees. This was complicated by XXXX charging us for a move and then canceling their charge. We thought then we had more effective funds and they charged us again.",,Consent provided,Web,2016-10-12,Closed with monetary relief,Yes,No,CR2156488,7683
2016-10-12,Bank account or service,Checking account,"Account opening, closing, or management",,I Had money save up on money orders i deposit into my bank account a few days later my account is being close Eagle National Bankn never gave me a reason for closing my account,,Consent provided,Web,2016-10-12,Closed with explanation,Yes,No,CR2157091,2607
2016-10-12,Bank account or service,Checking account,Using a debit or ATM card,,"I have been banking with Eagle National Bank for about 6 months. I am XXXX XXXX XXXX and i currently work XXXX part time jobs. On XXXX XXXX, my car was vandalized while I was washing clothes at my local laundromat, someone punched my window in order to steal my purse, I called my local Police Department, XXXX XXXX Police Department to file a report. Mind you the only items stolen were my FL license, Eagle National Bank Credit Card ( which I 'm only an authorized user of ) and XXXX XXXX credit card. Later during the night, before midnight I get a notification from Eagle National Bank advising my account is below balance. I then log in and realized a withdrawal of XXXX was made, but as i keep scrolling a little bit more it shows a ATM check deposit of XXXX into my account was pending. I immediately call the bank and explain the situation and let them know i did not do those two transactions, they tell me not to worry the check was on hold and would n't be deposited into my account and that the XXXX were "" tried '' to be withdrawn but was never given to the person. I ask how is it possible for someone to deposit a check into my account without having my debit card with them. My debit card was not stolen because I usually keep it in my phone case. They explain Eagle National Bank has new ATM s with Teller Assist and that no debit card, or account number is required. just an I.D . I was not satisfied with their explanation so early morning as I 'm getting my window replaced I log in and check the image of the check, it turns out it is coming from XXXX XXXX, XXXX. I take matters into my hands google this person and find it to be a realtor from XXXX, i also find a telephone number. I call him and explain that his check was being deposited into my account and that I had call the bank and said i did not deposit that. He tells me that same day XXXX XXXX his computer was stolen with other belongings from his car and that he did n't recall he had checks in there until my call and thanked me for letting him know that was being done. I agreed to help him out with the investigation and even swapped police reports to help each other out. Later that morning I go into a Eagle National Bank Financial Center on XXXX XXXX XXXX XXXX and tell them what 's going on. The relationship manager XXXX, is able to help me out and helps me file a claim for the XXXX withdrawal, but cant do a claim for the check since its still pending. He communicates to me that he will put notes in the system and I provide him with the police report. Next day I try to access my Online Banking and it says my account is locked. I return to the bank after work and I 'm told my account was closed and that there is an investigation. at this point I 'm frustrated because that is my only checking account were I receive my Direct Deposit every Friday. The bank also did not cooperate when it came to gathering location, and time of where the transactions were made to file my fraud report with the police. They transferred me from claims Department, to Risk, back to customer Service with no help. Today XXXX XXXX, I receive a letter from the Eagle National Bank stating the my account was permanently closed, and over drafted amounts will be charged and that they will be reporting my account to XXXX. My concern and frustration comes from realizing this Bank is one of the biggest and most popular banks in America and probably Worldwide, with the top technology, and cameras all over their ATM s. And you are telling me that you are closing my Bank Account and reporting me to XXXX for a check that i did not deposit into my account. Also with me telling you the debit card is with me and not even bothering checking your surveillance in order to catch these thieves! All Eagle National Bank cares is not losing money, they do n't care about Customer Service and most defenetly they do n't c",,Consent provided,Web,2016-10-12,Closed with monetary relief,Yes,No,CR2154007,1294
2016-10-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,I have XXXX accounts with Eagle National Bank and they have altered the account numbers so that they can continue to report it to the credit bureaus despite the accounts being written off and over ten years old,,Consent provided,Web,2016-10-12,Closed with non-monetary relief,Yes,No,CR2157179,1566
2016-10-12,Bank account or service,Checking account,Using a debit or ATM card,,"I was a victim of debit theft. The person actually went to the atm and withdrew money out my account. My car was stolen in the time period between you dont have money and pay day. I really dont use my card to much then but to fill up my tank. So when I did call Eagle National Bank I filed my claim. I told them my pay check is coming will you be taken money from my check. When the people stole my money they took my pay check money. So I went a whole week with out pay. I was reassure my money was safe. I am behind on bills. Eagle National Bank took my whole pay check. I was able to take XXXX dollars out which was for bill but now in turn its for gas for the week. I am behind on my rent. I still will behind. Do you think a big Bank like that will help me out no. I am hurt and super sad. I asked the customer service representative if they will take money from me and she assured me they would not. 
When you file the claim you are guilty before innocent.",Servicemember,Consent provided,Web,2016-10-12,Closed with explanation,Yes,No,CR2156971,137
2016-10-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My promotion of 0 % APR with Eagle National Bank, card ending XXXX, was ending with my XXXX. Statement which was not due till XXXX XXXX. My balance was {$4700.00}. I was transferring my EN acct to my XXXX Acct to keep a 0 % APR for another year. I was also transferring my XXXX acct, card ending XXXX, in the amount of {$4400.00}, to my EN card, ending XXXX to also keep a 0 % APR for another year. Okay, I made a payment of {$70.00} on my EN card XXXX leaving a balance of {$4600.00} to transfer to XXXX. The payment due was only {$47.00}. ( XXXX pg of attached doc ) XXXX paid EN on XXXX/XXXX/16, {$4600.00}, and it was posted on XXXX/XXXX/16 BEFORE my due date of XXXX XXXX. ( last pg of attached doc ). EN is claiming my promotion period ended on XXXX XXXX, so they charged interest on the {$4600.00} from XXXX XXXX thru XXXX XXXX at 16.99 % on my bill I just received of {$29.00} which should have never been charged me!!! Any promotion period should end at the due date of any billing month and not at the first of the month ; that 's where the bank is ripping people off! On my bill ( last pg of attached doc ) you will see where my {$4400.00} ( XXXX balance ) was transferred to my EN acct XXXX with my 3 % transaction fee of {$130.00}, which I agreed to that fee. EN told me my minimal payment would be 1 % of the total balance. My mimimal payment is {$75.00} which is 1 % of the total amt of {$4600.00} ( which includes the XXXX ) and then they are adding the {$29.00} to the 1 % of {$46.00} which is {$75.00} or {$75.00}. Then EN tells me, the {$75.00} payment WILL NOT be allocated to pay the interest charge of {$29.00} and then my 1 % of {$46.00}, that the whole {$75.00} would be going to my transferred balance of {$4500.00} ( XXXX + XXXX ) and for me to get that {$29.00} off of the bill I would have to pay it in excess of the {$75.00} pmt. XXXX! Otherwords, the {$29.00} would stay on there and build interest every month and would be added every month to my 1 % minimal pmt that would never be 1 %. Plus, the credit card would never get paid off. The XXXX would set and build and build and build. EN ca n't tell me they ca n't allocate the {$75.00} first months pmt because I work in Finance and I know it can be done. I have an accounting degree and I am not stupid. This is crooked as a snake and it is dirty for a bank to this to people!! I am XXXX years old, single, have a house pmt, car pmt and all other bills on me with a minimal income and I do n't need no money hungry bank or institute ruining my credit after I 've spent about 40 years building it to an Excellent rating. EN told me they would stop the interest from being applied hereafter to the {$29.00}, but I do n't trust that! I want the {$29.00} taken off of my account as I kindly requested, and they would not do it. As I said, it should have never been placed on my acct. It 's no wonder folks ca n't get out from under credit card debt, because of crooked, money hungry institutions doing XXXX like this!!! If it would n't be for me having another 3 % transaction fee and a 2 % or 3 % minimal pmt amount, I would transfer this money to one of my other cards, but here again banks do n't realize people ca n't afford 2 % and 3 % minimal pmts on the credit card balances. We 're living in a hurting economical world for people to live especially the middle and lower class folks like myself. Something needs to be done to stop banks from doing XXXX like this!!! I would appreciate if you could get EN to take the {$29.00} off my bill. As I told the Rep and the Manager I was speaking to, I pay extra on my account every month and they would n't consider waiving this {$29.00} fee. How patethic is that!! CFPB, if you can help, I would appreciate anything you can do. If I can sue EN, please let me know, cause I will!! Thank you for being here.",,Consent provided,Web,2016-10-12,Closed with monetary relief,Yes,No,CR2156781,3283
2016-10-12,Credit card,,Credit card protection / Debt protection,,"Eagle National Bank needs to hold me harmless as their client. On XXXX/XXXX/2016 at approximately XXXX PST XXXX XXXX from BofA fraud dept. contacted me to state that I was a victim of an employment SCAM & the fraudulent company XXXX XXXX ( XXXX XXXX XXXX ) frauded me by stating they hired me as a Purchase Agent/Manager and I would be fronted money ( {$15000.00}. & {$12000.00}. on XXXX ) to my Personal BofA Visa card from the Company Checking account that my name was added. The Money ( $ XXXX ) was fronted to my personal VISA until I received my corporate Charge card in 2 weeks. In the meantime, in order to make purchases for my job the Company would make Payment on my Visa of $ XXXX & $ XXXX on XXXX. The payment was called into BofA Visa with Account # & Routing # via instruction from XXXX. Per BofA Visa, the $ XXXX & $ XXXX payment was PENDING CLEARANCE by BofA and credit would be released when cleared. After a couple days BofA cleared the payments and made the $ XXXX & $ XXXX as available on my Visa card. After that I was instructed by my XXXX ( New Employer ) to start my XXXX P.O. ( Purchase Order ) where on XXXX/XXXX/2016 I was instructed to purchase gift cards from XXXX, XXXX, XXXX, & XXXX. Purchases where made for {$27000.00} worth of gift cards as instructed as my XXXX assignment as a Purchasing Manager by XXXX. Once again I was to use the funds from payments of $ XXXX total by XXXX on my personal VISA until I received my XXXX Corporate Charge card in 2 weeks. I purchased the $ XXXX of gift cards with the understanding that BofA had cleared those payments, I was told by my Manager at XXXX ... '' good Job ''. I will give you another order after we make more payments to your Visa, stay tuned. I trusted Eagle National Bank as their customer that the XXXX payments totaling $ XXXX had cleared and that if there is any liability to be had it is with BofA or the issuing bank. On XXXX/XXXX/2016 XXXX XXXX of BofA Fraud dept. contacted me to state that my VISA account was frozen and account closed due to Fraudulent Payments and activity. I was to cease contact with XXXX and contact the XXXX credit bureaus and place a 7 year FRAUD ALERT on my credit reports, XXXX of BofA instructed me to contact my local Police department in XXXX CA and make a Police Report, then go to my local BofA Branch and change my password and PIN # 's for my BofA accounts. I did make an XXXX Police report with Officer XXXX Report ( XXXX ) # XXXX ) on XXXX/XXXX/2016. Eagle National Bank 's XXXX XXXX said she knew this was alot to take in but continued to state that even though BofA cleared the payments to my VISA to allow me to make Purchases ... that the Payments were REVERSED and that I would be responsible for the $ XXXX & $ XXXX payments that were reversed from the XXXX Account # and Routing # that BofA CLEARED. I trusted my Bank that they actually cleared the payments and BofA should not hold my liable when they CLEARED the Payments. XXXX created additional stress by stating that if I had trouble paying this back I could talk to a DEBT MANAGEMENT XXXX party non-profit Consumer Credit Counseling and they could give me guidance. I said to XXXX at BofA. "" how could I be liable when you just stated that that I was the victim of an elaborate employment SCAM ''? Eagle National Bank should be helping me as I am a faithful LONG TIME Customer of theirs. I should be held harmless. I told XXXX that I will be disputing the purchases of the {$27000.00} because the purchases were made based on BofA Clearing the $ XXXX & $ XXXX payments. BofA should not have cleared the payments if they knew it was fraud. As a long time customer of Eagle National Bank, I should be held harmless and not liable for the payments that BofA cleared. Once again BofA said to me that I was the victim. FYI, I have filed a report with XXXX at the FTC on XXXX/XXXX/2016 Reference # XXXX. This claim and dispute is under investigation by BofA, I need help to hold me harmless.",,Consent provided,Web,2016-10-12,Closed with explanation,Yes,Yes,CR2156967,1435
2016-10-12,Bank account or service,Checking account,"Account opening, closing, or management",,On XX/XX/2016 I went into a Eagle National Bank to sign for a line of credit and was forced into opening a checking account. I informed the banker XXXX XXXX that I do not need another checking account and that I wold not use it. XXXX continued to tell me that I need to establish a checking account to get the line of credit. He also stated that I have a overdraft line of credit and that it was mandatory. I informed him that I did not have the overdraft line of credit and when I spoke with the associate to set up the loan closing I informed them that I did not want to open an account. XXXX was extremely unethical when forcing products on me with misleading information. On XX/XX/2016 I spoke to XXXX XXXX from the Eagle National Bank loan department and had my suspicions confirmed. XXXX XXXX had me open a checking account for his gain and this is unacceptable.,,Consent provided,Web,2016-10-12,Closed with non-monetary relief,Yes,No,CR2156504,981
2016-10-12,Credit card,,Advertising and marketing,,"Today, on XXXX XXXX, 2016, I shopped at the Target store located on XXXX in XXXX, California. While waiting in line to make my purchases, I heard the cashier ask the young man in front of me whether he wanted to apply for a Target Red Card ( credit card ). The young man said he was XXXX years old. He was unaccompanied by a parent or guardian. The cashier then asked a co-worker if that was old enough for a Red Card and was told yes. She then began processing his credit card application. I told the cashier that I myself was the parent of a XXXX year old, and that I would be upset if my daughter was getting a credit card without my knowledge. The cashier replied that she was required to obtain a certain number of new credit card applications per month, and that she got in trouble if she missed this quota. I told the cashier that I did n't think it was right to ( 1 ) provide credit cards to minors ; and ( 2 ) for Target to pressure its employees in this way.",,Consent provided,Web,2016-10-12,Closed with explanation,Yes,No,CR2157096,2888
2016-10-12,Credit card,,Billing statement,,,,Consent not provided,Web,2016-10-12,Closed with explanation,Yes,No,CR2157134,990
2016-10-12,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-10-12,Closed with explanation,Yes,No,CR2157336,2599
2016-10-12,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-10-12,Closed with explanation,Yes,No,CR2157576,2919
2016-10-12,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-10-12,Closed with monetary relief,Yes,Yes,CR2157391,8738
2016-10-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-12,Closed with monetary relief,Yes,No,CR2157805,13690
2016-10-12,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-10-12,Closed with explanation,Yes,No,CR2157581,2441
2016-10-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-14,Closed with explanation,Yes,No,CR2155103,7787
2016-10-11,Bank account or service,Checking account,Problems caused by my funds being low,,I had gone into a Eagle National Bank to cash a check which was drawn of the same bank. I I specifficaly asked the teller to verify the funds which she did so and the check was cashed and given to me. A week later my account which was n't linked to the transaction was overdrawn for that amount. They claimed that the maker of the check stated it was fraudulent but I have supplied multiple letters from that establishment signed by the owner stating it was not. I am on XXXX and XXXX and I cant get off!!,,Consent provided,Web,2016-10-11,Closed with explanation,Yes,No,CR2156038,1253
2016-10-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have been banking with Eagle National Bank since XXXX or XXXX. At this present time, I find Eagle National Bank to be the biggest criminals out there. In XXXX I opened up and IRA with this company, and I guess the interest rate was okay at the time. Currently my money only nets me {$1.00} a month. On the other end, I have a credit card with this company and they are earning over {$600.00} a year in interest off of me. This is a deplorable way to treat a customer, in fact it is a crime if you ask me. They send out correspondences stating you can get 0 % interest for a certain amount of time, but it is a trap only to get the consumer to pay more interest. I feel that everyone should know about this, this is a trap to keep consumers in debt. Eagle National Bank is for hard working people, but they do not care at all about their clients.",,Consent provided,Web,2016-10-11,Closed with explanation,Yes,No,CR2155575,4572
2016-10-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,I made a report of fraud that some did still from my account so they resolved and closed permanently. But I also told they that they had credited me from the other company so I assumed they would just take the it off but no they waited three month then they take it of my account they knowingly waited that long to do that and harass me. There suppose to protect me from fraud as soon as it happens and not put me in a situation that contradicts what you did.,,Consent provided,Web,2016-10-11,Closed with explanation,Yes,Yes,CR2155379,3968
2016-10-11,Bank account or service,Checking account,Deposits and withdrawals,,"I received a call from the Eagle National Bank fraud department on XXXX/XXXX/16 at XXXX asking to confirm if recent transactions were made by me. I confirmed that they were not and and they stopped the card from working so no more transactions could take place. They advised me that fraud had taken place and confirmed what transactions were done by myself and which ones were done by an un-authorized fraudulent person. The un-authorized transactions were XX/XX/XXXX XXXX XXXX XXXX {$44.00} XX/XX/XXXX XXXX XXXX {$13.00} XX/XX/XXXX XXXX XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX XXXX {$53.00} XX/XX/XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX {$90.00} I was told that I did not have to fill out a police report and they would handle the investigation and I had nothing to worry about. At the time of speaking to the representative they also notice a transaction on my joint account I share with my husband for {$1.00}. I was talked into not filling out a claim for this transaction as it was so small. I received the credit back for the un-authorized transactions. A few days later the money was removed from my account for which Eagle National Bank did an investigation into the claim and said that they did not think the charges were fraudulent. They said this was based on several things which include the proximity of the transactions to our home location, the history of debits, and that the pin number was used for the XXXX XXXX XXXX charges. I called as soon as we noticed they removed the money from the account to speak to the fraud department. At this time I was told by department that they decided against my case because the transactions happened close to my house, a pin number was used for the XXXX XXXX charges and previous history of my account. At this time they also told us that we should have filed a police report as it would have helped with the case, which was not told to us when we first reported this. Again we were told we did not have to file a police report and were never told that it could in some way help to prove that I did not make the transaction. They also told us we should have filed the {$1.00} transaction on my joint account as fraud as well which I was talked out of doing while talking to the claim department. After the money was taken back by Eagle National Bank I called a third time and they said that I should write a paper with everything that happened with time stamps and any extra info we had that could prove that I was not the one who made the transactions. I was told to sign it and date it and fax it to the fraud department. Again this was not asked of us the two previous times we asked them to look into the claim. Along with the police report they seem to ask me and tell me different information everytime I call. I also asked the manager of the fraud department why I would be responsible for all of these transactions when the card was marked as fraud and the account closed as soon as Eagle National Bank called to confirm the transactions. This happened the same day that the transactions took place. While researching the issue I read that according to the electronic funds transfer act I would only be responsible for at the most {$50.00} of the transactions. When I asked about this they said they do not have to follow the rule because their investigation showed no fraud because a PIN was used. So the people ( bank ) that have to follow this regulation can get around the regulation just by saying they researched it and thought it was not fraud? This seems odd as it lets them decide in their own favor so they do n't have to pay fraud claims. I also wanted confirmation to how this act worked as it seems to read any unauthorized transaction whether the pin was used or not was covered if you did not authorize the transactions. Eagle National Bank seems to be closing fraud claims unpaid often with the same response of location and a PIN being used.",,Consent provided,Web,2016-10-11,Closed with monetary relief,Yes,No,CR2154221,440
2016-10-11,Bank account or service,Checking account,Deposits and withdrawals,,"It appears that there is a major flaw in Eagle National Bank software. Intentional or unintential not sure. But a deposit of a Check of Friday, or Saturday would not clear due to the bank holiday on Monday XX/XX/XXXX, would not be processed until Tuesday, which means the funds would be available on XX/XX/XXXX, well Eagle National Bank software does not assume the holiday as it make on the deposit slip and online that the funds would be available on the XX/XX/XXXX but they are not, I understand why but do not understand why they posted wrong. This must happen every holiday causing much issues for people. I out several XXXX dollars and may have XXXX.me getting a mortgage",,Consent provided,Web,2016-10-14,Closed with explanation,Yes,No,CR2154612,2612
2016-10-11,Bank account or service,Checking account,Using a debit or ATM card,,Multiple claims were filed due to fraudulent activity on my debit/atm card. The claims were denied without being provided any documentation. I filed a claim for XXXX but the representative entered it as XXXX. This is a clear disregard as to the initial claim. I contacted b of a XXXX XXXX XXXX additional times with no response at all. I have not been contacted by any claim specialist and my claim is not even showing in their system.,,Consent provided,Web,2016-10-11,Closed with explanation,Yes,Yes,CR2155846,3051
2016-10-11,Credit card,,APR or interest rate,,"I applied for a Eagle National Bank XXXX XXXX with a XXXX percent promotion for 15 months. I clicked through their website and was approved for the card. Unfortunately, I was not told that I was n't approved for the advertised promotion. I 've since moved my medical bills to that card ( and made other purchases ) and am now paying interest on a card that is even now advertised as XXXX percent for the first 15 months! Feels like bait and switch.",,Consent provided,Web,2016-10-11,Closed with explanation,Yes,Yes,CR2156193,267
2016-10-11,Credit card,,Other,,"My name is XXXX XXXX and I would like to lodge a strong complaint against the Eagle National Bank ( EN ) for their unlawful charge of interest, despite having settled the account balance in full for XXXX of my credit cards issued by EN. 

This is not the first time that I am being charged interest after paying in FULL my statement balance before the Due Date on the statement. I 've experienced this problem with XXXX, XXXX XXXX, XXXX XXXX, etc. From my past experience with Eagle National Bank, I know it 's a waste of time to contact their customer service to reverse this charge ( XXXX XXXX is among the few banks that do reverse the charge after a long period of reasoning with them ) because they will insist that their charge is correct and they will refuse to refund the unlawful interest charge. They will refuse to provide documentary evidence that they are entitled to such charge and neither will they provide computations on how they had arrived at such interest charge. Hence, I 'm lodging this complaint in the hope that the CFPB will take this matter up with EN and conduct a thorough investigation into the unlawful practices of many banks that charge interest on unsuspecting customers, after settling their statement balances in full before the due dates of their statements. 

As far as I know, for the 50 years or more that I 've used credit cards, both in the U.S. and overseas, only banks in the U.S. engage in such deplorable and unlawful practices. There 's a distinct difference between CHARGE CARDS and CREDIT CARDS, viz. interest on Charge cards ( like XXXX XXXX cards ) accrue from the day that credit is extended until the day the credit is re-paid in full, whereas no interest is payable on Credit Card balances if the entire outstanding amount is settled in full prior to the statement due date. 

That is the basis for me to secure refunds on interest charged from banks which are willing to listen to my logic and reasoning. But I have never had to do this for credit cards issued by overseas banks ( even American banks that are located overseas ). The problem occurs only with banks operating within the U.S., as if they 're all in cahoots with each other. 

As a case in point, XXXX of my credit cards from EN ( account # XXXX ) was paid in full by XXXX XXXX, before its Due Date on XXXX XXXX, and I was disgusted to find that the current statement dated XXXX XXXX has a new balance of {$21.00}, which is the interest charged on a balance amount of {$1100.00} and I have absolutely no idea how did EN arrive at this ridiculous amount, especially when the balance on the previous statement ( dated XXXX XXXX ) was {$1800.00} which I had struggled to pay off in full. 

I 'm attaching herewith a copy of both of these statements for your necessary perusal and retention. I would be grateful if you can act on my behalf and the millions of credit card users to require EN to provide evidence on why are they entitled to such interest charge, after the account balance is settled in full, and how did they arrive at the amount of {$21.00} in interest. 

I intend to write to the Chairman & C.E.O. of EN, XXXX XXXX XXXX within the next Fourteen Days, with a copy to the Director of CFPB, to demand for the interest to be reversed back to my account, in order to allow some time for the CFPB to commence its work on my complaint before I addressed this matter with EN, so that they would not give me their standard reply that the interest charged is correct after their investigations and no refund is possible, which is a whole load of XXXX. 

I shall look forward to hearing from you in this regard at your soonest convenience. My contact address is XXXX XXXX XXXX, XXXX, TX XXXX, and my contact phone number is XXXX, and email address is "" XXXXXXXXXXXX ''. Thank you so much. 

Best regards XXXX XXXX",,Consent provided,Web,2016-10-11,Closed with explanation,Yes,Yes,CR2155112,2997
2016-10-11,Credit card,,Credit card protection / Debt protection,,"On XXXX/XXXX/16 I purchased a diamond and tanzanite necklace and ear rings from XXXX XXXX on the island of XXXX and placed the charge on my Eagle National Bank Visa Charge Card. When I returned to the XXXX I had the necklace appraised and found that I had been cheated and defrauded. The diamonds were actually white sapphires. This is a very serious crime. I have all of the documents of the transaction, including XXXX XXXX 's description of the pieces as well as their formal appraisal of the jewelry. XXXX XXXX refuses to refund my money, even though I have emailed them all of the incriminating documents and a Eagle National Bank supervisor told me that since the transaction is over 60 days old, that there is nothing they can do to reverse the charge. I need your assistance in applying pressure on Eagle National Bank to reverse this charge from my credit card account. I will gladly supply them with the documents which prove my claim. I have many other avenues to explore if the bank continues to refuse to help me. Eagle National Bank 's name will most definitely will be dragged in to other sources of complaints if I am forced to peruse them. I just want my money back. I calculate that I have actually lost {$6100.00} ( cost of jewelry ) + {$61.00} ( foreign Transaction Fee ) + {$110.00} ( jewelry appraisal ) = {$6300.00}.",,Consent provided,Web,2016-10-13,Closed with explanation,Yes,No,CR2156139,3282
2016-10-11,Credit card,,Other,,"XX/XX/2015 both Eagle National Bank and XXXX credit card balances were paid off by XXXX company in which I am paying them off in the form of a loan. The payments to the banks were considered a charge off and XXXX balances exist on both banks yet they are still leaving negative comments on XXXX, XXXX, and XXXX credit report bureaus. Because of the negative comments I am unable to get a loan or open a line of credit with my bank. I am requesting that the negative comments be removed from my credit reports since a settlement with both banks was commenced on XX/XX/2015.",Older American,Consent provided,Web,2016-10-11,Closed with explanation,Yes,No,CR2154909,2788
2016-10-11,Credit card,,Closing/Cancelling account,,"I received a letter regarding credit card inactivity from Target for a REDcard. I tried to make a purchase on my card in order keep the account from closing, but XXXX different stores did not accept the card. I called Target last week about the not working card and we found out that the card I was using was unable to be used and they had not sent me a new card. The rep I was talking with was aware of the inactivity closure deadline approaching and assured me they would send me a new card quickly enough for me to have enough time to make a purchase and save the account. I received the card on XX/XX/XXXX. When I called in to activate the card, another rep informed me that the account was closed due to inactivity. I do n't have much time to speak on the phone at my job so I decided to call back another time. I called back today ( XX/XX/XXXX ) and asked the rep to transfer me to her supervisor. The customer service rep hung up the call on me. I could see the direction this interaction was about to go so I decided to file formal complaint with CFPB. 

In short, I would like my account reactivated in order to avoid a hit to my credit score. As explained, I would have been able to save the account but the card came too late, which is the company 's fault.",,Consent provided,Web,2016-10-11,Closed with explanation,Yes,Yes,CR2155781,2696
2016-10-11,Credit card,,Billing disputes,,"XXXX, XXXX of 2016, I was late for the Target Red card credit card payment because I was overseas. When I called Target Red card service rep, they helped me with the payment, and I paid off the balance in full. To avoid further late payment ( I do n't really use this card that often ), I requested for autopay so that I do n't have to worry about being late again. Target on the phone said they would set it up for me. I appreciate her help and thought that I had autopay In XXXX I spent {$32.00} at Target and I did n't read the statement when it came. It was n't a big purchase so I disregarded the statement. I also know in the back of my mind that I had autopay and that it will automatically deduct and pay back. 2 months went by until I was in store and my purchase was declined. It was then that I found out I was deliquent by 2 months I immediately paid, but I was too late and Target reported my deliquency to the credit bearu. This is the first time I was late for any payment. I had XXXX payments lifetime payments and XXXX payments were on time.",,Consent provided,Web,2016-12-13,Closed with explanation,Yes,No,CR2154642,1247
2016-10-11,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-10-11,Closed with explanation,Yes,No,CR2155704,3209
2016-10-11,Credit card,,Delinquent account,,,Servicemember,Consent not provided,Web,2016-10-14,Closed with explanation,Yes,No,CR2154526,2997
2016-10-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"AS YOU CAN SEE THIS HORRIBLE SITUATION HAS BEEN GOING ON FOR YEARS WITH Eagle National Bank! TRY CALLING AND TALKING TO SOMEONE ANYWHERE ANYONE, THEY HIDE AND YOU WILL BE UNSUCCESSFUL! PLEASE REVIEW THE COMPLAINTS AND THE THREE LETTERS I HAVE AND AND WARNED THEM THAT I WAS GOING TO FILE THIS COMPLAINT WITH CFPB! 

XX/XX/XXXX AND XX/XX/XXXX AND XX/XX/XXXX ATTN : XXXX XXXX XXXX Eagle National Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX THIS IS THE THIRD LETTER I HAVE SENT YOU! I AM FILING A COMPLAINT AGAINST YOU WITH THE CONSUMER FINANCIAL PROTECTION BUREAU ON XX/XX/XXXX IF I HAVE NOT RECEIVED A RESPONSE! 
I have spent hours trying to get this matter resolved and because you have stolen our gold and I truly believe that the gold went missing at the bank, you are trying to evade my plea! I simply want this billing and this account closed as you told me you would do a year ago! Now I am being billed again. It appears you are trying to steal more value from me! 


ANOTHER LETTER IS BEING SENT AND FAXED TODAY XX/XX/XXXX Dear XXXX XXXX, I have attached the letter previously sent. I just received a bill and have spent one hour and ten minutes on the phone with XXXX in XXXX, XXXX in XXXX, XXXX in XXXX and XXXX in XXXX! They each one have said they could help me but, this is not resolved. I am going to file a full fledge complaint against you with the CONSUMER FINANCIAL PROTECTION BUREAU with in five days if I am not contacted and assured that this was closed and acknowledge that he box was closed over a year ago!! 


LETTER SENT XX/XX/XXXX Dear XXXX XXXX : Re : safe deposit box, box # XXXX I visited you center located at XXXX and Tollway several months back and complained that my box was missing various items! They did a report and said they would be back in touch with me. I closed the box that day and left my key! I received a bill and have held on the phone for 45 minutes and was referred to you local bank and got into a recording for additional 15 minutes and have still not talked to a live person! You leave your telephone numbers out so customers ca n't reach you and that put the difficulties back the customers ' back! I want this box closed and someone contact me regards the investigation.",,Consent provided,Web,2016-10-10,Closed with explanation,Yes,Yes,CR2153216,3468
2016-10-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Eagle National Bank HAS SERVED ME WITH JUDGMENT FOR THE ACCOUNTS THAT I ALREADY HAVE A PAYMENT PLAN IN PLACE ... 
BACK IN XXXX DUE TO FINANCIAL HARDSHIP I HAVE REQUESTED Eagle National Bank TO REDUCE INTEREST RATE ON THE XXXX CREDIT CARDS THAT WAS AT 46 % APR AND MY PAYMENTS WERE CLOSE TO {$1300.00} EVERY MONTH. I WAS TRANSFERED ALL OVER THEIR PHONE SYSTEM WITH NO LUCK WITH MY ATTEMPTS TO REPAY THEM. THEN Eagle National Bank CLOSED MY ACCOUNT AND REPORTED IT AS CHARGED OFF TO MY CREDIT. ON XXXX OF XXXX XXXX XXXX HAVE CONTACTED ME ATTEMPTING TO COLLECT DEBT ON BEHALF OF Eagle National Bank ( SEE ATTACHED LETTER ) AND REPAYMENT PLAN WAS IN PLACE. THEN ON XXXX XXXX, XXXX I WAS SERVED WITH DEMAND TO REPAY ON SAME ACCOUNTS FROM ANOTHER COMPANY XXXX AND XXXX ( LETTERS ATTACHED ). NOW ON XXXX XXXX, XXXX I WAS SERVED WITH THE SUPPENAT FROM XXXX AND XXXX REPRESENTING Eagle National Bank FOR THESE ACCOUNTS THAT I ALREADY HAVE A REPAYMENT PLAN AND HAVE BEEN PAYING TO XXXX. 
WHEN I ATTEMPTED TO CONTACT Eagle National Bank TO FIGURE OUT WHO AM I PAYING ON THIS DEBT AND WHY ARE THEY SUING ME WHEN I HAVE BEEN PAYING THESE ACCOUNTS I WAS TRANSFERRED ALL OVER AND EVENTUALLY WAS TOLD THAT THIS IS A CHARGED OFF ACCOUNT AND THEY ARE NOT COLLECTING ON THIS ANYMORE ... I 'M TOTALLY CONFUSED NOW. XXXX AND XXXX IS AGGRESSIVELY PRESUING THE COLLECTION EFFORTS THREATENING TO PUT ME TO JAIL IF THESE BIG AMOUNTS ARE NOT PAID IMMEDIATELY. PLEASE HELP",,Consent provided,Web,2016-10-10,Closed with explanation,Yes,No,CR2153567,2679
2016-10-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"There are XXXX issues. 

# 1 The accounts are listed as closed when they are not. 
# 2 My responsibility on the XXXX other credit cards were as a joint credit card account holders, not an authorized user. Both accounts I am co-account holder, not an authorized user. My social security and credit is on both accounts as responsible for payment. 

This includes XXXX cards, in the name of XXXX XXXX ( ss # XXXX ) and XXXX XXXX ( ss # XXXX ), billing address XXXX XXXX XXXX, XXXX NY XXXX, Tel Numbers XXXX/ XXXX The credit card account opened XX/XX/XXXX with Eagle National Bank XXXX. 
The credit card account opened XX/XX/XXXX with Eagle National Bank XXXX. 

What does n't make sense is that when we call all the information is correct and the accounts are still listed as open and joint. So we asked why it was n't being reported correctly ( the credit bureaus claimed it was Eagle National Bank reporting and we had to talk to them ). No one knew who we should speak to or what to do. We asked to file a complaint. 

We were finally transferred, with both of us on the telephone, and reached an escalation / debt collections person at Eagle National Bank to ask for the information to be reported correctly, with both of us on the telephone that we reached a lady named XXXX who seemed to be confused and was very belligerent. She was under the wrong impression that we had debt or was late on payments, when we have XXXX debt and have never been late. We have the recording of her yelling and not listening as we both tried to calmly explain, or be put in touch with someone who was in the correct department. 

This lady XXXX from Eagle National Bank stated everything was on our applications, that the Bank does not report anything in error. We stated that this was not true, because she was contradicting what the customer service representative said, and requested a copy of the applications. The lady, XXXX, replied that we could not have a copy of our consumer agreements which we have a right to have a copy of.",,Consent provided,Web,2016-10-10,Closed with explanation,Yes,No,CR2153748,1200
2016-10-10,Credit card,,Identity theft / Fraud / Embezzlement,,"Eagle National Bank had reported that a particular account was mine. Eventhough I had sent multiple records showing that my information was breached. I had even had my bank account hacked into multiple times. It was not until I my wife took her name off the bank account that I had noticed that there were weird charges that was coming from my bank account. I had called Eagle National Bank since I noticed they were XXXX of the sources that were coming from my account. I asked them to close that account and told them that the account was not mine and it was fraudulent back in 2014. However 2 years later they decided to post it on my credit report. I have sent multiple letters to Eagle National Bank to understand why they strongly believe that this account was mine but got no response. I have also contacted XXXX and XXXX asking the same thing but they said we have verified but could not state the means of the verification process. 

I am looking to CPFB process, to see if either XXXX, XXXX, or Eagle National Bankn can provide the documentation they believe that the credit card file on my credit report is mine.",,Consent provided,Web,2016-10-10,Closed with explanation,Yes,Yes,CR2153780,2199
2016-10-10,Credit card,,Customer service / Customer relations,,I can not log into my account and they will not help,,Consent provided,Web,2016-10-10,Closed with explanation,Yes,No,CR2153805,49
2016-10-10,Credit card,,Credit line increase/decrease,,"I had a XXXX co-branded card issued by FIA/Eagle National Bank. XXXX has decided to change card issuers but I wished to remain a FIA/Eagle National Bank customer so when I called to ask if that was possible, the customer service rep told me to apply for a new BofA credit card, which I did. I ran into two problems. 1 ) I was sent the wrong type of card. I applied for the XXXX card but got the XXXX card instead and 2 ) My credit limit on my old FIA card was XXXX ... but I got a letter saying that because BofA already had that level of credit exposure with me, my new account would be assigned a much lower credit limit ... .even though I was told my old XXXX FIA card limit would be reassigned to my new BofA card since the XXXX account was no longer a FIA/BofA liability.",,Consent provided,Web,2016-10-10,Closed with explanation,Yes,No,CR2153095,2207
2016-10-10,Credit card,,Delinquent account,,"I went through severe financial hardship after losing my job in XXXX of 2015. Through it all, I continued to pay my credit cards on time and keep up with my payments. In XXXX of 2015, I was forced to move to NY for a new job and start all over again. I had to tap into my savings in order to make the move and keep myself afloat. I also had to financially support my parents at this time as they lost their jobs. To make matters worse, I also re-enrolled to attend school on a fulltime basis. My income was stretched beyond my means. 

In XXXX of 2015 I contacted Eagle National Bank and asked them to provide me with a solution to pay off the debt. The agent on the phone informed me that they ca n't help me as I have n't defaulted on a payment and that I need to default in order to qualify for assistance. Upon defaulting, I contacted Eagle National Bank again in XXXX 2015 and asked them to help me lower payments. They did n't once again. It was n't until XXXX 2015 when the bank finally reached out to me with a payment solution. By this point, they had decided to tag on various fees associated with my delinquency and the only way for me to regain my credit was by paying it all off. I was n't offered any solutions. I was n't given an option but to default. 

Eagle National Bank has since charged off this loan and collected their insurance disbursement yet they solicited my information ( without my authorization ) to a third party attorney group in order to collect my debt. 

This is the definition of unfair lending practices. I have attempted to do everything within my capabilities to resolve this matter and I 'm at my wit 's end. Please help.",,Consent provided,Web,2016-10-10,Closed with explanation,Yes,Yes,CR2153092,1401
2016-10-10,Bank account or service,Checking account,"Account opening, closing, or management",,"In XX/XX/XXXX my wife and I opened a checking account, an IRA and a line of credit with XXXX XXXX in XXXX, XXXX We set up XXXX automatic withdrawals ( an internet monthly service and a bank associated insurance product to cover the line of credit ). We continued to use this bank until XX/XX/XXXX when we moved to XXXX, XXXX. to a rental home. We gave them a change of address for the move to XXXX. XX/XX/XXXX, we purchased a home and opened a bank account in XXXX XXXX. XXXX XXXX was purchased by Eagle National Bank in XX/XX/XXXX. We had left the account in XXXX open. Over the ensuing 10 years XXXX XXXX and then Eagle National Bank continued to withdrawal from the account the monthly recurring charges for the internet service and bank associated insurance product and then once the account was empty, they would then go to the line of credit and withdrawal the amount to cover the XXXX monthly charges plus a transfer fee plus an overdraft fee plus a monthly maintenance fee. The accrued charges are now {$8600.00} worth of debt to the line of credit. Eagle National Bank states that they sent overdraft notices but they sent them to the wrong address for 10 years. My concern, although we did not provide a new address on the second move, is how could the bank not notice an account has been dormant for 10 years and then has reoccurring late fees, continued maintenance fees associated to a XXXX balance account and continued overdraft fees with no action. How could they not notice a return to sender on every overdraft notice they received for 10 years. Furthermore, they never sent any noticed for payment until I recently attempted to apply for a home mortgage and my current bank questioned the line of credit amount. When I contacted Eagle National Bank and asked about the fees and charges, their response was it was not their problem or fault for the fees and they requested immediate payment. Had they asked for payment years ago, the current situation would have been easily rectified and not occurred. The accounts could have all been closed and the reoccurring charges transferred to my new bank. Today, when I requested documents and statements they charged my account a fee which will now require a transfer fee from the line of credit and an overdraft fee, thereby increasing the debt on the line of credit.",,Consent provided,Web,2016-10-10,Closed with monetary relief,Yes,No,CR2153376,3609
2016-10-10,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank offered me a {$300.00} bonus to open a new personal checking account online. 
Bonus was contingent on the fact that I NEVER had a checking account at the institution. 
I called the bank to verify that I would qualify, since my only account at EN was a safe deposit box rental approx. 4 years ago in XXXX, Pennsylvania. 
I was told that I would indeed qualify for the bonus offer. 
After several weeks the bank tells me I DO NOT qualify since I had a checking account at the bank that was opened in XXXX 2015. I never ever opened such an account! In fact the bank wanted to charge me {$37.00} for said account and denied me access to my funds deposited in the new checking account until I pad the {$37.00}. After contacting the bank they agreed to remove the {$37.00} fee and CLOSE the account [ I NEVER OPENED ]!",,Consent provided,Web,2016-10-20,Closed with monetary relief,Yes,No,CR2153243,3677
2016-10-10,Credit card,,Transaction issue,,"I gave my credit card number to XXXX for installation of internet service. I did not authorize any other charges on this card. I assumed as all communications service companies they would bill me direct after the installation was completed. The service had serious speed issues. Web page were at a constant slow crawl and would often time out before connecting. XXXX failed to correct these problems.. Please bear in mind that I was sold High Speed Internet Service. So after no action the first 30 days I called to cancel the service. I was transferred to XXXX XXXX and he talked me into continuing the service while they work on the issues. Another 30 days past with no action on their part and I called and cancel again. At that time the customer service rep told be they would cancel the service and send me prepaid postage boxes to return their equipment and send me a final bill, and that would be the end of it. Target Bank Redcard has taken it upon themselves to resolve this issue by billing me for a early termination fee that I should not even owe and while at the same time XXXX has also billed me direct. For a service I never received.",,Consent provided,Web,2016-10-13,Closed with explanation,Yes,Yes,CR2153032,1558
2016-10-10,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-10-10,Closed with explanation,Yes,Yes,CR2153398,12840
2016-10-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-10,Closed with explanation,Yes,No,CR2153552,1892
2016-10-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-10-10,Closed with explanation,Yes,No,CR2153708,2247
2016-10-09,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank would not remove me from XXXX, nor XXXX. I opened an account with Eagle National Bank XX/XX/XXXX and my account was closed due to Eagle National Bank suppected fraud on my behalf. However, I shared my story with Eagle National Bank by certified mail, and I have not heard from them yet. I even wrote XXXX and they do not have any record of me. However, XXXX on the other hand say they do have a record of me. Moreover, I am consistently getting denied a bank account. I also have settled my debt with Eagle National Bank. I paid {$190.00}.",,Consent provided,Web,2016-10-09,Closed with explanation,Yes,Yes,CR2152961,1157
2016-10-09,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-10-09,Closed with explanation,Yes,Yes,CR2152698,3461
2016-10-09,Credit card,,Late fee,,,,Consent not provided,Web,2016-10-09,Closed with monetary relief,Yes,No,CR2152864,10
2016-10-09,Credit card,,Late fee,,,,Consent not provided,Web,2016-10-13,Closed with explanation,Yes,No,CR2152894,6
2016-10-08,Bank account or service,Checking account,Deposits and withdrawals,,"I went to a Eagle National Bank ATM at a local branch on XXXX/XXXX/16 to withdraw {$2100.00} from the ATM. I was not able to make the withdrawal since the amount I requested was over the daily withdrawal limit for the ATM. My only choice at that time was to go into the branch and withdraw the cash from my account at the teller line, which is what I did. 

Also on XXXX/XXXX/16 I went to a Eagle National Bank ATM at a local branch to withdraw {$2300.00} from the ATM. I was not able to make the withdrawal since the amount I requested was over the daily withdrawal limit for the ATM. My only choice again was to go into the branch and withdraw the cash from my account at the teller line, which is what I did. 

The type of account that I have is an electronic only account which means that I do not get charged a monthly fee as long as I use electronic means like online and ATMs to access the account. If I do use bank personnel like a teller, I get charged a {$8.00} monthly maintenance fee on my next statement date. 

Eagle National Bank should not be able to designate an account as a no fee checking account and then charge a fee if the transaction you request can not be completed electronically. This is like having a free parking zone for 5 seconds which is actually allowing you to park free but the functionality of the parking space is designed to charge you for practical usage. 

This practice should be disallowed at Eagle National Bank. If an account is designated as free for electronic usage then the bank can not restrict the usage by electronic means OR the bank can not charge for in-person/teller usage if the electronic means provided by the bank does not allow your transaction to be processed.",,Consent provided,Web,2016-10-08,Closed with monetary relief,Yes,Yes,CR2152639,3433
2016-10-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-10-08,Closed with explanation,Yes,No,CR2152442,116
2016-10-08,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Other,Web,2016-10-13,Closed with monetary relief,Yes,No,CR2150975,4539
2016-10-07,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank inconsistently deducts monthly maintenance fees from my checking account on arbitrary days. I attempted to discuss and resolve this issue with them today ; however, they could not provide any logical explanation as to why this date varies from month to month. This inconsistency creates a financial burden, impacts my budget and makes it difficult to keep my account balanced.",,Consent provided,Web,2016-10-07,Closed with monetary relief,Yes,No,CR2151926,7586
2016-10-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I have had my Eagle National Bank debit/checking account for less than a month. In that month, I have been subject to repeated, disruptive restrictions on my account that have led to measurable, material harm. I have had to call the bank 's fraud alert department at least once per week to remove holds on my account. When I make these calls, I am often subject to wait-times of thirty to forty minutes ( including as I type this ). Each time, including when my account was sent to "" higher-review '' and connected to a specialist, I have been told that I should not expect for it to happen again ; but then, predictably, it does. I have been told this might be my account is new and so there is no pattern of spending, resulting in "" red flags '' when I buy more expensive items, but that is an unacceptable excuse for the excess - the fact that it is a new account ought to mean that the bank should expect purchases that are out of normal pattern because there is no pattern. Nor should there be any justification for it happening this often ; this does not protect my account, but keeps it off-limits, and there seems to be no means for staff to prevent this. I have quite literally had access to my account less days than I have had access to it. In addition that being absurd - I give EN my money so that I can access it - it has caused material harm, including : ( 1 ) overdraft fees on another bank account when I could not transfer money to cover an ACH bill in-time ; ( 2 ) failed assignments when I could not purchase a laptop in-time ; ( 3 ) a missed day 's of work when I could not access transportation in-time ; ( 4 ) extra XXXX fees that I incurred when I went to the store to purchase a laptop, could not purchase the laptop and could not get EN on the phone in-time, and then had to pay extra money to go back the next day, where my account was then placed on hold again, but I had budged extra time so that I could be on the phone with you forty minutes without the store closing ; ( 5 ) an XXXX visit when my XXXX because my card was turned away attempting to purchase basic food at the local store, something that is necessary for anyone to be able to do but was particularly acute given my XXXX. Overtime I go to purchase something, I find myself XXXX, unsure if my card will be rejected or not, and then subject to humiliation when it is rejected. I am forced to live like someone who does not have any money at all. Between work and school, I do not have time to sit on the phone for forty-minutes multiples times a week to buy food. I do not have the money to keep incurring these costs that come from not having access to my money when I should, and when I even asked if it might be possible to receive reimbursement I was hung up on by a manager at the fraud protection center - which is extremely unprofessional. And to top it all off, there is typically a day-long delay between my account being restricted and me receiving an alert ; I now have the department in my contacts. I would not recommend to EN to anyone and I am in the process of looking for other options so I can remove my money - so that I can actually access it - and am exploring if there is any way to have my medical expenses reimbursed. There is absolutely no excuse for this, EN. You are benefitting from having my money in the bank without granting me access to it.",,Consent provided,Web,2016-10-07,Closed with explanation,Yes,No,CR2152008,3585
2016-10-07,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"In XXXX Eagle National Bank bought my ( XXXX ) mortgages from Country Wide Home loan. Prior to this point in my life I had a great credit history. My score was a XXXX and I had numerous credit accounts and equity in properties. Eagle National Bank took over my ( XXXX ) mortgages on XXXX XXXX, XXXX first payment to Eagle National Bank. As of XXXX XXXX, XXXX ( 6 ) months later, they had My ( XXXX ) mortgages ( 9 ) months delinquent. XXXX consecutive, on XXXX XXXX on another, And XXXX on the XXXX. All of these payments were made on time, I have the proof. Receipts and checks they cashed. My credit score went from a XXXX to a XXXX and I lost all my credit accounts. I am a vet that owns a small XXXX, this was devastating to my lively hood and business. For the past 6 years I have been trying to recover from this XXXX error From Eagle National Bank. I tried to refinance in XXXX but Eagle National Bank had ( XXXX ) delinquencies on my accounts a XXXX credit score and nobody would even consider me. Since then I had to modify my house mortgage to get it out of foreclosure, They added over {$120000.00} to my mortgage and have to pay on it for 40 years XXXX. My investment, retirement property I owed {$62000.00} on in XXXX would have been paid off by XXXX. Now this is in foreclosure and going to be sold and the balance is {$150000.00}. After the modification of my house last year I built my credit score back up to a XXXX in the begin of XXXX. Then what a surprise Eagle National Bank reports I am 3months 90 days delinquent on my mortgage. XXXX XXXX, XXXX XXXX, XXXX XXXX. Eagle National Bank denied they made any reports to the credit bureau. My credit dropped back down to a XXXX. This is listed at the top of my report ( 90 days past due as of XXXX ). I just noticed Eagle National Bank is checking my credit score monthly. This makes it clear to me that they are deliberately making these false reports to knock my credit score back down. I am currently trying to refinance my investment property ( For double what I owed on it ) to keep it from going to foreclosure sale. With a XXXX credit score this is nearly impossible, plus Eagle National Bank constantly recording false delinquencies to the credit bureau. Consumer Financial Protection Bureau Director XXXX XXXX, states consumers should not be collateral damages in the mortgage transfer process. Mortgage companies have a legal obligation to protect comsumers during loan transfer between mortgage servicers. I have been paying for this transfer since XXXX when it was transferred. I will be paying for it for the rest of my life! This company is disgusting!!!!",,Consent provided,Web,2016-10-07,Closed with non-monetary relief,Yes,No,CR2151831,266
2016-10-07,Credit card,,Payoff process,,I have a Eagle National Bank Credit card as of XXXX the balance was {$23000.00} which consisted of {$8000.00} at 19.49 % and {$15000.00} at 0 % I made an extra payment of {$8500.00} which I wanted applied to the entire high rate balance. I also made {$900.00} in regular payments as I do every month. On my XXXX statement I still have {$2200.00} at 19.49 %. My large payment was not applied to the higher rate balance and I did not make any additional purchases or advances. I just called and they refused to fix this and just said that is how they do it because of the timing of my {$8500.00} payment they consider it my regular payment and applied it as they pleased. I realize that this is not a lot of money but if they regularly do this it adds up to a lot of extra money for them and it 's not right.,,Consent provided,Web,2016-10-07,Closed with explanation,Yes,Yes,CR2152114,1161
2016-10-07,Credit card,,Identity theft / Fraud / Embezzlement,,"Eagle National BankUSA, N.A. issued a Nordstrom Credit Card under my name without my authorization/application",,Consent provided,Web,2016-10-07,Closed with non-monetary relief,Yes,No,CR2149992,1691
2016-10-07,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-10-07,Closed with explanation,Yes,Yes,CR2151568,10555
2016-10-07,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-10-07,Closed with explanation,Yes,No,CR2150194,1819
2016-10-07,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-10-07,Closed with explanation,Yes,No,CR2152355,1259
2016-10-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-07,Closed with monetary relief,Yes,No,CR2151073,3723
2016-10-06,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank has allowed suspicious activity take place with my account on numerous occasions and I do not understand why. XX/XX/2016, I first noticed that a new account was created in addition to the account that I already had. I have closed that new account and notified the credit unions. Since XX/XX/XXXX, I have been attacked again in XX/XX/XXXX and now again XX/XX/2016. EN has allowed transactions to be processed from my checking account without the access of a Debit card from different towns and cities I do not usually travel to ; also while waiting on my fraudulent activity claim to finish being processed, another transaction was able to go through now with NO active Debit card.",,Consent provided,Web,2016-10-06,Closed with monetary relief,Yes,No,CR2148739,5531
2016-10-06,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I 'm filling a complaint towards Eagle National Bank for the worst treatment that i received as their loyal customer. My money was withdrew by someone that i do n't know totaling {$2.00} and i reported the incident to Eagle National Bank. Hoping to get a solution but instead my claim got denied for three times. I also wrote a letter already to their Debit card operation team ( as requested ) but their decision still remain the same. I was told the reason my claim was denied is because every withdrawal was made with pin being entered correctly. And i was also told that there 's no fraud pattern detected and they accused me to authorize all the withdrawal. I 'm so furious and disappointed with their decision. I 've been left without my money for more than a month and i 've been in a very difficult situation ever since. I 'm asking for their promise {$0.00} Liability Fraud Protection as advertised everywhere. 

On XX/XX/2016 i made a check deposit as i usually do once every week. And when i checked my balance i was so shocked to see that my balance was around {$300.00} something left. So i called Eagle National Bank right away to find out what is happening with my account. After a long hold ( Close to 1 hour ) i was finally connected to a girl representative. I told her that i just deposited a check onto an atm machine and i saw my balance is only around XXXX something and i asked her what 's happening with my account as my balance should be around {$2700.00} after depositing a check. She said she 's looking into my account and asked me some questions about transactions on my account. She asked me when was the last time i withdrew from the ATM, i said on XX/XX/XXXX when i was in XXXX. Then she asked me again when was the last time i used my card, i said on XX/XX/XXXX at my favourite restaurant, XXXX XXXX XXXX. Then, she asked me if i withdrew from an ATM on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and i said no that was n't me. She asked me if the card has always been in my possession, i said yes. I started getting worried and then she said she will organise to send a new debit card to me and she needs to transfer me to a claim department. I waited for long time and no one answered so i hung up. I was thinking that i did n't need to do anything else and i just had to wait but i did n't get any news regarding this apart from a new debit card that has been sent to me. So i called again on XX/XX/XXXX and waited for a long time again ( Around 40 minutes ) and connected to another girl representative. I told her that i called up a few days ago regarding unauthorised transactions that occurred on my account and i need to know what 's happening and when will i get my money back. She told me that there 's no existing claim and she needs to dispute a claim for me. I was so upset to hear that as i thought the claim has already been submitted so she asked me questions regarding the transactions ( Pretty much the same questions as the first representative asked ) .This time a claim finally has been submitted and she told me that i do n't need to do anything else, once the claim is approved then i will get my money back but it might take up to 45 days to complete the research. I was furious but then i decided to wait. 
Then after a few days i checked my online banking and it says claim resolved but then i did n't get any messages regarding that so i called again on XX/XX/XXXX. After 40 minutes waited a lady answered, i quickly told her my situation and asked her that i see that my claim has been resolved but i have n't received any messages regarding that and she told me that my claim has been denied because there 's no pattern of fraud, the pin was entered correctly everytime withdrawal was made and there was no more attempt of withdrawing after the incident has been reported. She even told me that i authorised all the transactions.Not enough characters",,Consent provided,Web,2016-10-06,Closed with explanation,Yes,No,CR2148959,292
2016-10-06,Bank account or service,Savings account,"Account opening, closing, or management",,I opened a Eagle National Bank account with my mother and after reviewing the account it was closed. I deposited {$600.00} into the account on the day we opened it. There were XXXX different deposits. A cash and check deposit XXXX for {$300.00} each. After we were told the account was closed the bank sent us a {$300.00} cashiers check. Confused as to why they would not give us a {$600.00} check we called Eagle National Bank 's service center and they told us to go to the bank in person. When we arrived they said they could not refund the check we cashed without a bank statement from the bank the check was from. We came a 3rd time and brought each document they asked for and said that we should call the service center. The banker called and said there was nothing they could do. So she asked for a supervisor but was put on hold for over 1 hr and nothing. Very frustrated that my money is being held illegally.,,Consent provided,Web,2016-10-06,Closed with monetary relief,Yes,No,CR2149329,4194
2016-10-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,"My bank is Eagle National Bank. A charge showed up on my account that I do n't remember authorizing and I did n't recognize the merchant. I tried to dispute the transaction by calling the phone number, but I was on hold for over 15 minutes.",,Consent provided,Web,2016-10-06,Closed with monetary relief,Yes,No,CR2149685,12730
2016-10-06,Credit card,,Billing disputes,,"I came across XXXX while searching for programs to supplement and expand on web XXXX skills. With prolific overwhelmingly positive reviews seen on various sources ( XXXX ) from previous students claiming successful outcomes, including internship placements and job offers, I applied. 

I had an interview with XXXX XXXX, as he introduced himself, whom I now know to be XXXX XXXX XXXX. As per the website, students were promised at least XXXX mentor sessions, interview preparation help, and further assistance until jobs were secured. Upon a successful interview, I paid the tuition amount of {$5900.00} in full up front via credit card through XXXX ( payment processor ) ; at this time there were no financial assistance plans in place. 

Every week, the other students and I would arrange our one-on-one sessions with XXXX, and lessons would be conducted through a video-conferencing platform called XXXX. Things seemed to be going well, with more students enrolling - enough for XXXX to start looking for more instructors and an executive assistant. 

He eventually hired another instructor, whose time at XXXX was short-lived due to XXXX claims that students were not happy with him ; this, however, turned out to be false, and seems XXXX had failed to correctly pay him for his time. At the time, I never questioned it, as there was no reason for me to be skeptical. 

It was around XXXX when XXXX began to skip some of his scheduled sessions with his students, which elicited concerns among students. A few became increasingly worried about his absences and decided to ask for a refund and some left bad reviews for the school. In one particular refund case, the student left bad reviews of the school on multiple sources. It is my personal opinion that this notably triggered XXXX subsequently more XXXX behavior. XXXX threatened to put this student 's personal information online and ensure no one would hire this person - it escalated enough where the now-former student hired a lawyer. 

Further indication of his troubling behavior was his then asking students to help him create a website to defame the student. Luckily the website was never actually created and put online. XXXX XXXX, 2016 was the last time any of us saw XXXX online as our teacher. Several students expressed XXXX had not shown up for their sessions, nor had he warned he would be absent. This prompted our online search for XXXX. His executive assistant, who was also blindsided, realised passwords for accounts shared had been changed. This was the realisation point that we were now victims of fraud. 

Further research revealed he is on the Sheriff 's Most Wanted list in XXXX County and left the US to live in XXXX, bouncing between XXXX XXXX and XXXX. We have established many reviews have been falsely created by XXXX, and have reached out to known contacts, family, and are currently working to alert the correct authorities. As far as we know, he has fled with the money of possibly XXXX or more students without delivering all that was promised.",,Consent provided,Web,2016-10-06,Closed with explanation,Yes,No,CR2149497,3392
2016-10-06,Credit card,,Other fee,,"We subscribe to XXXX as part of my wife 's XXXX business. XXXX XXXX is based XXXX, we live XXXX. But the recurring charge of {$29.00} is being processed as an international transaction on our XXXX issued credit card. In the past this resulted in our being charged foreign transaction fees each month. We 've switched cards to avoid this fee, but presumably thousands of subscribers are being charged this fee every month fraudulently. I 've attempted to address this with both our previous credit card issuer ( BofA ) and our current card issuer XXXX XXXX XXXX, but neither has been able to resolve as apparently it is a result of the processor used by XXXX XXXX.",,Consent provided,Web,2016-10-06,Closed with explanation,Yes,No,CR2150569,632
2016-10-06,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a checking and saving account at Eagle National Bank. The banker told me as long as I have {$100.00} balance in my account. It 's free, there will not be any monthly charges. Last week, I received my first paper statement. It shows {$1.00} paper statement fee. This was never mentioned to me before. To find out where exactly they listed this {$1.00} paper statement fee, I logged into my online account at Eagle National Bank web site. You have to go to "" Online Statement Setting '', then scroll down all the way to the bottom of this page and click open a PDF file called Personal Fee Schedule for this. I think it 's very unfair and misleading to customers. Probably many of the Eagle National Bank customers like me have been charged {$1.00} for this.",,Consent provided,Web,2016-10-06,Closed with monetary relief,Yes,No,CR2149250,150
2016-10-06,Credit card,,Billing disputes,,I am unable to add information to my original complaint XXXX. Continued to have many issues with Eagle National Bank Credit Card Services. Attached is my final letter I sent my certified mail to the corporate office with my final resolution of my original case.,Older American,Consent provided,Web,2016-10-12,Closed with monetary relief,Yes,Yes,CR2148764,426
2016-10-06,Credit card,,Credit card protection / Debt protection,,XXXX I am getting billed for a credit card I did n't apply for or ever get.,,Consent provided,Web,2016-10-06,Closed with explanation,Yes,Yes,CR2147445,4512
2016-10-06,Credit card,,Other,,,,Consent not provided,Web,2016-10-06,Closed with explanation,Yes,No,CR2147310,4630
2016-10-06,Credit card,,Other,,,,Consent not provided,Web,2016-10-06,Closed with explanation,Yes,No,CR2148801,2735
2016-10-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-06,Closed with explanation,Yes,No,CR2149886,2390
2016-10-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-06,Closed with explanation,Yes,No,CR2149764,3637
2016-10-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-06,Closed with explanation,Yes,No,CR2149051,1643
2016-10-06,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-10-06,Closed with explanation,Yes,No,CR2149844,4041
2016-10-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am caught in a very frustrating wormhole.My wife and I have gone to the branch, four times ; I spoke to a representative at consumerfinance.gov ( XXXX ) for about an hour and a half and told her my WHOLE STORY. She assured me that a rep would call me with a resolution. I filled out a survey ; XXXX XXXX left a voicemail but upon returning the call, I got XXXX XXXX, who told me a lot of nothing. MY PROBLEM is that the branch at EN XXXX XXXX drilled my safe deposit box and is holding my contents. They have provided no reasons ; no explanation as to why this was done. All of the answers I get is what should have happened ; that the bank sent out several compliance notices and that I failed to answer them. I asked what information could they possibly have been requesting ; everyone speculated that it could have been a missing social security number or address or phone number. I 've had that safe deposit box at XXXX XXXX since XX/XX/XXXX ; prior to that I had one at the XXXX XXXX branch. I 've had that box here in XXXX XXXX over 30 years. I added my wife XX/XX/XXXX, the year we were married. We were asked to come into the branch about XX/XX/XXXX, XX/XX/XXXX and to this day, I do n't understand the info they were requesting. The branch asked us to return to the branch and we did again, in the same week. The so-called information we submitted those two times in the same week was the EXACT SAME information we submitted XX/XX/XXXX. I received NO letters, emails, nothing EXCEPT a letter stating that the box had been drilled. To this day, in speaking to the branch, in speaking to XXXX for over an hour ; in speaking to XXXX XXXX and ANOTHER rep at consumerfinance.gov, I still have not retrieved my belongings from BofA and no one has given me a real, true, concrete reason as to why the box was drilled. I know what the problem is : no one at BofA knows the reason the box was drilled ; there is only wild speculation as to what "" should have happened '' and "" notices would have been sent out requesting various information '' but the fact that the box was drilled, there had to have been a serious, egregious issue, to which, no one has offered one scintilla of comprehensive facts as to the reason the box was drilled. What I am advised now is to go back into the branch and request that they give me my belongings. That 's where all this confusion started.",,Consent provided,Web,2016-10-05,Closed with monetary relief,Yes,No,CR2148175,4863
2016-10-05,Bank account or service,Checking account,Using a debit or ATM card,,"I got a call from IRS saying I need to pay off my fine for Tax Evasion TODAY or else I would go to jail because there is a warrant for my arrest. Being tremendously scared I complied. Although in my head it sounded fishy and like a scam, I was just super worried and did what they told me. They said I could talk to nobody about this at all and I must be on the phone with them at all times. They told me to withdraw {$1500.00} from my Eagle National Bank. After doing so I went to multiple XXXX and bought XXXX XXXX Gift Cards and then they redeemed the code on the back. I am fighting hard to get my money back because I believe I was a victim of this scam. I am so stressed out right now and Eagle National Bank barely tried to help me at all. I want to try to do a "" chargeback '' on my debit card if possible. I hope by writing a complaint here that you guys may be able to help me get my money back. Please I really need your help to make this possible. Thank you",,Consent provided,Web,2016-10-05,Closed with explanation,Yes,No,CR2148300,2642
2016-10-05,Credit card,,Identity theft / Fraud / Embezzlement,,"I 'm a 20+ year Eagle National Bank credit card holder and have always been in good standing, used my account/card and made payment as agreed. 
On XX/XX/XXXX was charged {$1800.00} for an online transaction with XXXX based XXXX. 
On XX/XX/XXXX and XX/XX/2020 the transaction was charged back in my favor, first by Claims Dept ( as if a Dispute ), then by Fraud Dept. 
My card ( ended XXXX ) was then cancelled and a number card issued ( ended XXXX ). 
On XX/XX/XXXX, Eagle National Bank realized that a "" double charge back '' had taken place and the Claims Dept charged my account {$1800.00} -- therefore my card status was that a fraudulent transaction had taken place and I owned {$0.00} specific to the XX/XX/XXXX transaction. 
Then twenty days later ( on XX/XX/XXXX ), Claims Department charged my new card ( ended XXXX ) the {$1800.00} and mailed me a form letter ( received on XX/XX/XXXX ) stating that Eagle National Bank had obtained documentation from XXXX that I had ordered and received the subject merchandise, therefore I should be obligated to pay the full {$1800.00}. 
So I contacted the merchant, XXXX, directly on XX/XX/XXXX and learned from Customer Service Representative, XXXX XXXX that she found evidence on my account that a remote operator ( supposedly working on behalf of XXXX ) on XX/XX/XXXX had made a "" alternate delivery request '' to XXXX changing the shipping address to XXXX XXXX, XXXX and on XX/XX/XXXX a person in the XXXX network named XXXX XXXX had changed the ordering party 's e-mail address from "" XXXXXXXXXXXX '' to my e-mail address "" XXXXXXXXXXXX '' ( after I had filed a complaint about a package arriving unexpectedly at my doorstep but for which I had NOT ordered! ) I was e-mailed a copy of the XXXX XXXX History where it clearly shows that the XX/XX/XXXX item costing {$1800.00} was NOT shipped and delivered to me at my XXXX XXXX, California residence. 
To be clear, I have never done business before with this XXXX based merchant, XXXX or any subsidiaries and affiliates, they would NOT have my name/billing/credit card information on file, nor am I on their mailing list, etc. 
When I reported all of this updated information to Eagle National Bank, they said nothing could be done by the Claims Department, that this was a matter for Fraud Department to handle. Then I called Fraud and they said this transaction was a valid dispute between two parties and that the Claims Department would have to resolve it! 
In closing, I have never before failed a complaint with the CFPB, nor had reason to complain about what has been a 33+ year relationship with Eagle National Bank . 
In writing this -- I would like to be very clear -- Eagle National Bank 's Credit Card Customer Service has dramatically deteriorated in recent years and can even been traced to their massive acquisition of XXXX. It now takes 20-40+ minutes to speak with live customer representatives, supervisor elevation is no longer real time, and there are unworkable "" silos '' between Credit Card departments ( Claims vs. Fraud ) leaving the consumer account holder at risk and completely unable to resolve. ( I even involved my local Eagle National Bank branch manager and he was told the same thing -- it 's valid claim, not fraud. XXXX XXXX needs to pay his bills and do n't get involved, pass on helping him! ) I would like the CFPB to ask Eagle National Bank to resolve this matter and also to investigate in good faith whether the involved merchant, XXXX, knowingly and willfully provided misleading information to Eagle National Bank on or near XX/XX/XXXX claiming the subject transaction had been ordered by XXXX XXXX and physically received by him when the XXXX XXXX History and internal XXXX transaction notes proved otherwise -- even hinting at internal fraud! 
Respectfully Submitted, XXXX XXXX XXXX",,Consent provided,Web,2016-10-05,Closed with monetary relief,Yes,No,CR2148095,1035
2016-10-05,Credit card,,Closing/Cancelling account,,I cancelled my credit card with Eagle National Bank approximately six months ago. At the time my online account was unlinked from my card account. My credit report from transUnion is now showing that the account is 120+ days past due. I am unable to log on to my account online to check the account status. My account should have been cancelled before any late fees or interest accrued to make it past due.,,Consent provided,Web,2016-10-05,Closed with monetary relief,Yes,No,CR2148052,4907
2016-10-05,Credit card,,Customer service / Customer relations,,I LOST PROPERTY IN MY BASEMENT WHEN THE SUMP PUMP WENT OUT OF POWER. I MADE A CLAIM TO MY CREDIT CARD COMPANY THRU THEIR BENEFIT CLAIMS BROCHURE. THEY DENIED THE CLAIM BECAUSE I USED THE WORD FLOOD INSTEAD OF WATER ON THE FLOOR THAT DAMAGED MY PROPERTY. THEIR BROCHURE ALLOWS COVERAGE FOR ACCIDENTAL WATER DAMAGE FROM HOUSHOLD PLUMBING.,Older American,Consent provided,Web,2016-10-05,Closed with explanation,Yes,Yes,CR2147791,3451
2016-10-05,Credit card,,Late fee,,,,Consent not provided,Web,2016-10-05,Closed with monetary relief,Yes,No,CR2147663,2631
2016-10-05,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-10-05,Closed with explanation,Yes,No,CR2146776,8333
2016-10-05,Credit card,,Delinquent account,,,,Other,Web,2016-10-07,Closed with explanation,Yes,No,CR2147218,2064
2016-10-05,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-10-05,Closed with monetary relief,Yes,No,CR2147495,865
2016-10-05,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2016-10-05,Closed with non-monetary relief,Yes,No,CR2148386,2003
2016-10-05,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-10-05,Closed with explanation,Yes,No,CR2147070,9276
2016-10-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-05,Closed with explanation,Yes,No,CR2148657,1952
2016-10-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,Eagle National Bank has placed a Hard Inquiry on my Equifax report without me giving them permission to do so.,,Consent provided,Web,2016-10-04,Closed with explanation,Yes,No,CR2145965,1160
2016-10-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Eagle National Bank has stolen money from me for years, but now I have proof. 
I was sent {$200.00} and {$100.00} by way of their banking app and never received the money in my account. I have done this numerous times over the past year, and it has worked fine. But for some reason, now, the money is not coming into my account. I have already spent a few hours on the phone about this and they continue to tell me they do n't see anything. I have pictures from the individuals ' accounts who sent me the money confirming the money left their account into mine. I have given confirmation numbers for both transactions and the bank told me those are n't good for anything.",,Consent provided,Web,2016-10-04,Closed with explanation,Yes,Yes,CR2146115,2499
2016-10-04,Bank account or service,Checking account,Deposits and withdrawals,,"I had deposited a settlement check from my attorney in the amount of {$11000.00} to my BofA checking account through an ATM machine at the branch. I had never deposited any bad check with BofA ever. However, they had held the funds and would not release it while I contacted them many times requested that they release partial funds so that I can meet up my bills because they 're due. Unfortunately, they came up with all kind of excused that they could n't get hold to verify with the branch. After hours of waiting on the phone, they still wo n't do anything about it. I then requested to provide me a number so that my law firm can contact and help resolve any issue they might have had and as a result they wo n't talk to him and was not helpful at all. I explained to them that the check payable to me was from a client trust account and there should be funds available. I requested that they release some funds so I can pay my bills otherwise I will get charge the late fees. Unfortunately, they would not do anything at all. This makes me very upset and there 's nothing I can do about when my bills are due and the funds available to me are being held. It is unjustifiable and unfair to me.",,Consent provided,Web,2016-10-04,Closed with explanation,Yes,No,CR2144970,3916
2016-10-04,Bank account or service,Checking account,Deposits and withdrawals,,I have done online deposits regularly from my wife 's bank account at XXXX XXXX into my bank account at Eagle National Bank at no time was this ever more than a days hold. So as usual I made a deposit and wrote checks on that account to cover bills. Image my surprise when they held my funds from XXXX to XXXX XXXX even though it was taken out of my wife 's account on XXXX. During this time not only did I never have access to my XXXX deposit but the checks bounced and they happily took out XXXX every time to the tune of over {$200.00}. And now my accounts are messed up because of returned checks and bills are late. How could they possibly be allowed to do this ...,,Consent provided,Web,2016-10-04,Closed with monetary relief,Yes,No,CR2145598,605
2016-10-04,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX XXXX, 2016 I received an email from Eagle National Bank, stating that they will start applying a monthly maintenance fee on my checking account. This after I have not had to pay a monthly fee for years, in exchange for an agreement to only use their ATM 's for deposits and withdrawals ( i.e. no counter service ). I have sent them a letter of objection and a copy of the email by USPS. The banks website ( and this email ) offer no opportunity to reply via email, only a postal address in XXXX, FL. I will be happy to send you copies of same. Bank greed once again ... apparently still many loopholes in the Consumer Financial Protection Act that they can drive trucks through.",,Consent provided,Web,2016-10-04,Closed with explanation,Yes,No,CR2144568,3216
2016-10-04,Bank account or service,Checking account,Using a debit or ATM card,,"XXXX incidents : 1. I asked the bank representative why I was mailed a XXXX Visa card. He insisted I only have XXXX account, even when I showed him the XXXX cards. He got annoyed with me and shouted ( loudly ), "" Why do n't you just go pay the bill! You have XXXX dollars in your account, so use it! '' He did yell out the actual balance in my checking account. 2. ATM would n't accept some of my cash, so I went inside and exchanged the bills. Same thing happened. Total of my wait time at ATM was 35 minutes. I could n't go to teller because only XXXX windows were open and XXXX people were in line. I spoke with a representative who brushed me off with "" It 's a busy day '' and made no effort to help. I never made the deposit.",,Consent provided,Web,2016-10-04,Closed with explanation,Yes,No,CR2145691,703
2016-10-04,Credit card,,Closing/Cancelling account,,"Applied for credit in XXXX XXXX. Never received card. XXXX XXXX, received bill for annual fee of {$59.00}. Called company, told them I did n't have their card. Asked them to remove the fee and close the account I did n't have with them. XXXX XXXX, receive another bill with another fee saying I 'm overdue. I want them to leave me alone and not mess with my credit rating.",,Consent provided,Web,2016-10-04,Closed with monetary relief,Yes,No,CR2146373,4092
2016-10-04,Credit card,,Closing/Cancelling account,,"Eagle National Bank , N.A . closed my BankXXXX XXXX XXXX XXXX XXXX card account ( among others ) without the 30 day notice required under XXXX law and confiscated XXXX "" travel reward '' points that I had available at the time.",,Consent provided,Web,2016-10-04,Closed with explanation,Yes,No,CR2144536,2953
2016-10-04,Credit card,,Closing/Cancelling account,,Eagle National Bank closed out my credit card due to a letter that was sent out by national debt relief program by accident. I went into Eagle National Bank to ask for help and how to get this matter resolved. the manager gave me the internal debt number and advised me to contact them directly and ask for help. so I called and the first representative explained all I needed to do was fax in the letter from national debt relief revoking their power of attorney off of my Eagle National Bank credit card account. i called back 2 more times just to confirm that this is the correct processed and they promised they will reverse my credit card account. I went out of my way and request for the letter that Eagle National Bank asked for and faxed it in to the internal dept. I then waited a few days and called them back to ensure they have received the letter. the representative that answered then stated that Eagle National Bank by policy can not help me reverse the account. I asked her why she kept giving me the run around and no answer. and then she stated that I was mislead by the other XXXX representative and they did n't know what they were talking about. I asked I called this one number that was given to me how can all XXXX agree with one solution and you are they only person that is denying me service. I am upset for being mislead and now my account which was not passed due is now in collection and hurting my credit report. I asked to speak to supervisor or manager she refused and kept putting me on hold. I asked for a number or complaint department she told me there is none. and that I would have to write a letter to the head quarters.,,Consent provided,Web,2016-10-04,Closed with explanation,Yes,Yes,CR2143403,1406
2016-10-04,Credit card,,Identity theft / Fraud / Embezzlement,,"Reference Bureau of Consumer Financial Protection # XXXX : XXXX Bank ALSO INCLUDED Eagle National Bank ; I was assured by Eagle National Bank my credit card would be Credited back to my account : On XXXX XXXX, 2016, I received a form letter from Eagle National Bank that was not the case ; my account would not be credited ... there is no signed recipe ... I NEVER used the card..the letter stated because it was used the chip was read ... no credit issued???? 
XXXX I HAD NO KNOWLEDGE OF MY Eagle National Bank CREDIT CARD WAS USED OR WHY.??? UNTIL I PULLED DOCUMENTS TO SEND COPIES TO CONSUMER FINANCIAL PROTECTION BUREAU.",,Consent provided,Web,2016-10-04,Closed with explanation,Yes,No,CR2146580,30
2016-10-04,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-10-04,Closed with explanation,Yes,Yes,CR2144742,4923
2016-10-04,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-10-04,Closed with explanation,Yes,Yes,CR2145495,3977
2016-10-04,Credit card,,Other,,,,Consent not provided,Web,2016-10-04,Closed with explanation,Yes,No,CR2143691,4674
2016-10-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-10-04,Closed with monetary relief,Yes,No,CR2146069,4364
2016-10-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-04,Closed with explanation,Yes,No,CR2144149,2606
2016-10-04,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-10-04,Closed with explanation,Yes,No,CR2145942,4764
2016-10-04,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,,Other,Web,2016-10-18,Closed with explanation,Yes,No,CR2144110,12662
2016-10-04,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-10-04,Closed with non-monetary relief,Yes,No,CR2144084,4306
2016-10-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-10-04,Closed with monetary relief,Yes,No,CR2145308,543
2016-10-04,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-10-04,Closed with monetary relief,Yes,No,CR2144537,1917
2016-10-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-06,Closed with explanation,Yes,No,CR2144736,977
2016-10-03,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank is refusing to allow a credit back from a vendor who did not have a return policy for products posted in their store at the time of purchase. I attempted to make a return valued at $XXXX XX/XX/2016 and the store would not allow it citing that they would only give a store credit. I attempted to return the item within 9 days of purchase. They refused the items and I contacted Eagle National Bank's dispute department while I was at the vendor. I took several pictures of the register area and surrounding counters and walls showing that there was no posted return policy for a customer to know what the return policy is prior to purchasing- its like entering a contract with someone without understanding the terms until after signing. 
The reason for the return was that I found out that I could buy the products from another vendor for about $XXXX less. In addition, the quality of the items was better at the other vendor. I made this purchase and attempted to return the other vendors items and they refused it. While I was on the phone with a dispute representative at the vendor's store where I wanted to return the products,the bank representative asked the vendor if he would take the items back over the phone and he still refused. He later told a different EN representative that I had left the premises with the items without making an attempt to return them. By the way, I still have the items and can still return them.
EN issued a credit but then retracted it after I closed the account - it now appears that I closed the account owing a balance. I would like this to be resolved before it gets reported to any 3rd party agencies.",,Consent provided,Web,2016-10-03,Closed with explanation,Yes,No,CR2143885,2462
2016-10-03,Bank account or service,Savings account,"Account opening, closing, or management",,"I have had a savings and checking account with Eagle National Bank for many years. XXXX accounts were opened because they were free with direct deposit of my XXXX XXXX check monthly. Now as of last month, suddenly EN wants to charge a {$5.00} fee if my savings account balance goes below {$25.00} at any time during the month. 
It 's bad enough that they pay no interest for a savings account, but now they want to charge a "" maintenance fee '' if I do n't retain a minimum balance? What maintenance? I do all my banking online and they already restrict how many times you can transfer money from savings to your checking account each month. I do not believe this is legal or at least false advertising, they got me to open these accounts by offering them free and now they want to add bogus fees?",Older American,Consent provided,Web,2016-10-03,Closed with monetary relief,Yes,No,CR2144443,833
2016-10-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have tried to close my Eagle National Bank account for the past few years with no success. I actually thought it had been closed for over 3 years now, but I just got a letter in the mail informing me that my credit card account was still open, unbeknownst to me.",,Consent provided,Web,2016-10-03,Closed with non-monetary relief,Yes,No,CR2143222,4298
2016-10-03,Bank account or service,Checking account,Deposits and withdrawals,,"I went to purchase a product for {$6700.00}. I went through Eagle National Bank after putting a {$1000.00} down with another credit card. I took the title to XXXX in XXXX, MD. XXXX said they are very aware of this company but this is not the company that sent me the title. I called the company so I can go and pick up the trailer. I can not haul the trailer until I have it registered and start my business. However, the person who gave me the title have no right to give me the title for this. I have the title but no product. Eagle National Bank told me the company have 10 business days before giving me a temporary credit. I called Thursday XX/XX/XXXX. EN said they are giving the company until Saturday XX/XX/XXXX. I called and was told the pet in EN is closed that day. The rep said he is not sure why they told me that but he also saw it in the notes that they told me that. He told me to call EN Monday because they are going to give the company until over the weekend to respond. I call Monday morning. Was told by a supervisor that all XXXX reps lied and did not tell me the correct information. I have to wait 45 days for them to investigate it. They said they would grant me a temp credit at first now they will not. They have not done anything with this investigation because I believe EN know this company is a fraud. XXXX is also doing a investigation on this company. I purchased this through EN thinking that my money was safe. I will be sure to remove all my money from EN after this because I now see that they can not be trusted. I am a single mother who saved up for this business through what I thought was a trusted bank and this bank is not to be trusted",,Consent provided,Web,2016-10-03,Closed with explanation,Yes,Yes,CR2140615,799
2016-10-03,Bank account or service,Checking account,"Account opening, closing, or management",,Illegal fees for account maintenance. Eagle National Bank charging fees for maintenance of account without consumer knowledge. Spoke with consumer representative XXXX XXXX XXXX who has no knowledge of the issue. I ended up closing all the accounts with Eagle National Bank.,,Consent provided,Web,2016-10-03,Closed with explanation,Yes,No,CR2140150,4346
2016-10-03,Bank account or service,Checking account,Deposits and withdrawals,,Unknown withdrawal from my account for {$220.00} send through XXXX. What do I do? I believe someone has access to my account. Will I be able to review a refund?,,Consent provided,Web,2016-10-03,Closed with monetary relief,Yes,No,CR2143332,4206
2016-10-03,Credit card,,Billing disputes,,"Eagle National Bank XXXX - The balance on this account should be reporting as ZERO! On my credit file, they are reporting inaccurate information regards to this account. I 've attached proof of the Cancellation of Debt as well as my tax filing paperwork. I 've sent demand letters to Eagle National Bank and have yet to receive any response. This error is preventing me from getting the credit I deserve. Correct the error immediately or delete this account off my credit file!!",,Consent provided,Web,2016-10-03,Closed with explanation,Yes,Yes,CR2142768,2397
2016-10-03,Credit card,,Credit card protection / Debt protection,,"I have made settlement agreements with Credit Company & or Collation agents that have broken agreements within how they may report to any and all reporting company 's. As agreed on with each payment made to any & all Credit Company 's & or Collation agents term of cashing payments were sent with each payment in a written agreement of cashing any & all payments. All Companies are in "" Breach of Terms of Reporting of Agreement of Payment '' ( Sent with Each Payment ) which is violating the Agreement of Payment. Terms of payment to "" BE IN WRITING '' ( WITH THE FOLLOWING KEY TERMS OF ALL SETTLEMENT AGREEMENT ), '' TOTAL AMOUNT TO BE PAID '', "" PAYMENT TERMS OF TOTAL AMOUNT '', "" REPORTED TO ALL CREDIT BUREAUS REPORTING COMPANYS AS WORDING OF "" PAID ONLY '' WITH NO NOTES OTHERWHYS THEN BEING PAID '', "" BE REPORTED WITHIN 30 DAYS OF FIRST PAYMENT ''. I would only find it fair that both parties are following the terms of agreements. I would ask that your company enforces any & all fairness to the reporting of my credit report companies including XXXX, XXXX, XXXX, XXXX & all other reporting companies.",,Consent provided,Web,2016-10-03,Closed with explanation,Yes,Yes,CR2141514,1700
2016-10-03,Credit card,,Billing disputes,,"This complaint is against Eagle National Bank credit card 's collection claim in my credit report. I have repeatedly disputed this negative account and BofA insists keeping the claim, as if I would owe them anything. 

I am not responsible for the balance in this account, since I have never used it. I have never made any purchase, withdrawn or transferred any money from this account, as I have never initiated, ordered or otherwise caused in any way, any transaction on this account. The entire balance and activity in this account, corresponds to endless series of maintenance and service fees that BofA accumulated over the four years following my call of XX/XX/XXXX, where I requested all my accounts ( checking and credit card ) with them to be closed, since I was going out of the country. 

I was surprised to see this negative account in my credit report, since I have never used this credit card. As a matter of fact, I had thought I would take a look at my credit report, to see what is wrong, after applying and being declined for a Eagle National Bank credit card. I could not understand this negative account since all the activity in it took place during the years I was out of the country. I had called BofA in XX/XX/XXXX requesting they close my accounts. However, clearly, that did not happen. Instead, it turns out BofA started accumulating maintenance and service fees, from XX/XX/XXXX until XX/XX/XXXX, when they got the point I was not there anymore and finally closed the accounts. After I now discovered the negative account in my credit report, I requested statements of those years, to see what happened. I only received statements from XX/XX/XXXX to XX/XX/XXXX, but It turns out BofA was moving money back and forth between my checking account and my credit card and charging fees along the whole process. During the years I was out of the country, BofA was charging maintenance fees on my checking account, this causing overdraft protection from my credit card, followed, the next month, with an automatic payment of the resulting credit card bill, from my checking account. Going over and over again, month after month from XX/XX/XXXX to XX/XX/XXXX, these BofA XXXX were able to accumulate over {$1500.00} in fees that now say I owe them. I do not agree. It is not acceptable BofA is demanding I pay them over {$1500.00} in service fees, when I was not receiving or using any service. Not only I did not request any service, but I did requested they stop all services. I am not liable for these service fees. Bofa should have closed the accounts when I ask them so in XX/XX/XXXX. 

When Eagle National Bank keeps this negative account in my credit report, they are hurting my credit and making a statement I am not financially responsible and do not keep my financial commitments with my lenders. That is strictly false and Eagle National Bank are the last ones to say such thing : They are trying to rip me off getting over {$1500.00} in service fees, for a service I did not request, rather I requested to stop. I was not using any Eagle National Bank service and no Eagle National Bank service was doing anything for me. I was simply not interested in any Eagle National Bank service : I was out of the country! I do not owe anything to Eagle National Bank. They should stop hurting my credit and remove this negative account from my credit report.",,Consent provided,Web,2016-10-03,Closed with explanation,Yes,No,CR2143898,1592
2016-10-03,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2016-10-06,Closed with explanation,Yes,No,CR2144458,1748
2016-10-03,Credit card,,Other,,,,Consent not provided,Web,2016-10-03,Closed with explanation,Yes,No,CR2143551,3429
2016-10-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-10-05,Closed with explanation,Yes,Yes,CR2142456,3816
2016-10-03,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-10-03,Closed with explanation,Yes,No,CR2144206,912
2016-10-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-10-03,Closed with explanation,Yes,No,CR2143625,12568
2016-10-03,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-10-03,Closed with explanation,Yes,No,CR2143295,1470
2016-10-03,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-10-03,Closed with explanation,Yes,No,CR2144425,2420
2016-10-02,Bank account or service,Checking account,Deposits and withdrawals,,"0n XXXX i received a letter from Eagle National Bank , declaring that the bank has put stop payment on my checks according to my request! the fact is that i had never requested the bank to do so, and the bank later on admitted that they have done this by mistake and there has been no requested on my behalf.this wrong action put me in a trouble my credit record has been damaged because of the returned checks, and the worse i have been in a XXXX situation.i strongly want the bank to pay a price for putting me in a miserable situation.",Older American,Consent provided,Web,2016-10-02,Closed with monetary relief,Yes,Yes,CR2139800,1317
2016-10-02,Bank account or service,Savings account,"Account opening, closing, or management",,"I am a customer of Eagle National Bank and over the last year they have changed their policies regarding the minimum that customers can keep in their savings and checking accounts. I was informed of this and I complied with that policy. However, Eagle National Bank continues to apply {$5.00} fees even after compliance and continued complaints. The minimum is {$300.00}, and I have {$500.00}. 
I am able to maintain, but my question is how do people who do n't have that income and are living off every cent they have use a bank?",,Consent provided,Web,2016-10-02,Closed with monetary relief,Yes,No,CR2141542,4002
2016-10-02,Bank account or service,Other bank product/service,Deposits and withdrawals,,I came to the branch to make a deposit and it took a very long time because there was only XXXX open. It 's the XXXX of the month and the branch is not prepared to handle the customers,,Consent provided,Web,2016-10-02,Closed with explanation,Yes,No,CR2139960,5873
2016-10-02,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-10-02,Closed with explanation,Yes,No,CR2142948,3316
2016-10-02,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-10-02,Closed with explanation,Yes,No,CR2140453,716
2016-10-01,Bank account or service,Checking account,Deposits and withdrawals,,"We were scammed by someone posing as a loan officer from XXXX XXXX and promised us {$20000.00} if we verified funds by sending money to someone by XXXX XXXX. The guy told us that it was just a verification process and once it was done we would have {$20000.00} in our account as a loan. Gave us prepayment terms and all. A mobile check deposit to our Eagle National Bank account of XXXX was done on XX/XX/XXXX. On XX/XX/XXXX we sent XXXX to a XXXX XXXX plus XXXX XXXX fee Total {$680.00} no out of pocket money as we thought at the time. Once we done what they asked, they then said we had to pay a out of state tax fee of {$200.00}. I refuse and that is when we realize this was a scam. We contacted the FBI on XX/XX/XXXX filed a report with them and they told us to contact Consumer Protection Bureau ( consumer finance ) and also do a report with IC3.gov. We just learned today XX/XX/XXXX that the check was returned and it was a United State Government check done by Mobile deposit and the bank has returned it causing our account to be seriously overdrawn. The mobile deposit was done by a out of town cellphone that is not ours. I have {$2.00} to my name. Contacted Eagle National Bank Fraud Dept and was told there was nothing they could do to recover the money so we basically have to eat the cost because we withdrew the money and gave the scammers access to our account. I explained only to do a verification and at the time we did n't know ... .had no idea it was a scam. The FBI agent told us this is a well known scam and they are investigating this. But I live paycheck to paycheck and ca n't afford to eat {$680.00} cost and now we have no idea how we go make it to work with no funds because the return of the {$680.00} check ate up what money we did have in our account to make it to our next pay period. We have been scammed and are the victims in this matter and we should not have to pay for fraudulent activities from heartless and cruel people in this world taking advantage of people in need of money but took money from us.",,Consent provided,Web,2016-10-01,Closed with explanation,Yes,Yes,CR2143948,4090
2016-10-01,Credit card,,Closing/Cancelling account,,"I spoke to XXXX XXXX President of Eagle National Bank NY who advised my accounts were not effected by the mortgage issues I was having with his bank but minimum payments being paid on the accounts. I am asking that all of my credit accounts with Eagle National Bank be reviewed by the CFB and the continued opening and closing of the same accounts and the delayed and tiered reporting the credit bureaus to have max effect on hurting my credit scores. I was notified all in one day of the closing and limit lowering, it was spread over 2 to 3 weeks for the credit bureau reporting and XXXX account was reopened and then closed again. I would also like any and all over payments and rewards paid to me. Eagle National Bank has not acted in a fair manner in its handling and I am concerned with the integrity of the reporting and discussions with this bank.",,Consent provided,Web,2016-10-01,Closed with explanation,Yes,Yes,CR2141153,4178
2016-10-01,Credit card,,Other,,"I was enrolled in a 12 Month Payment Option ( payment option ) plan ( Exhibit # XXXX ) that required a recurring payment schedule of pre-authorized debits which was automatically setup by Target Card Services in XXXX XXXX. The balance on the account was {$230.00} and the terms for the payment option with Target Card Services included a fixed monthly payment of {$10.00}, due on the XXXX of each month, no use of credit account while on plan and a reduced APR of 0 %. Therefore, under this payment plan, my credit was revoked and any pending payments scheduled through the Manage My REDcard website were cancelled. Per the payment option terms, the start date for the ACH debits began XXXX XXXX, XXXX in which {$10.00} was processed and the second ACH debit for {$10.00} was processed on XXXX XXXX, XXXX. 

I called Target Card Services on XXXX XXXX, XXXX and cancelled the payment option plan because I had filed Chapter XXXX on XXXX XXXX, XXXX. ( Exhibit # XXXX ) According to the Chapter XXXX plan, all debts must be paid through the Bankruptcy Court. I could not pick and choose which creditor to pay outside the Chapter XXXX plan. Therefore the payment option plan with Target Card Services had to be cancelled. 

On XXXX XXXX, XXXX, Target National Bank filed a Proof of Claim ( Exhibit # XXXX ) to the US Bankruptcy Court : claim totaled {$220.00} ( {$190.00} [ principal bal ] + {$30.00} [ fees ] ). According to Target 's 12 Month Payment Option plan, if payment option is cancelled, balance will include fees etc. It is evidenced in the Target National Bank Proof of Claim, account summary ( Exhibit # XXXX, XXXX ) that my account initial balance was reduced to {$220.00} after being enrolled in the payment option plan with Target Card Services. 

The Bankruptcy Notice to Creditors, dated XXXX XXXX, XXXX ( Exhibit # XXXX ) specifically states that creditors may not take certain actions to collect money etc. and the automatic stay immediately went into effect : Target Card Services did not cancel the payment option plan as I had requested on XXXX XXXX, XXXX. This was to STOP ALL ACH debits to my bank account. The third ACH debit for {$10.00} was processed on XXXX XXXX, XXXX and was unauthorized. My XXXX XXXX Bank Statement dated XXXX XXXX - XXXX XXXX, XXXX shows the unauthorized Target NAT'L Bank Bill Pay Transaction dated XXXX/XXXX/XXXX for {$10.00}. ( Exhibit # XXXX ) XXXX XXXX processed a Stop Payment Order against Target National Bank on XXXX XXXX, XXXX ( Exhibit # XXXX ) and XXXX XXXX XXXX XXXX. investigated and confirmed that it was an unauthorized charge. ( Exhibit # XXXX ) Target Card Services violated the bankruptcy automatic stay. 

XXXX XXXX of Target Card Services had written in a letter dated XXXX XXXX, XXXX that my account was sold to XXXX on XXXX XXXX, XXXX. The US Bankruptcy Court does not show that Target National Bank transferred their claim to XXXX. A "" Transfer of Claim '' was filed on XXXX XXXX, XXXX by XXXX ( Ophrys ), XXXX, XXXX. Target National Bank is listed as the Transferor and had 21 days to object to the transfer. Target National Bank did not object and the US Bankruptcy court confirmed the transfer. ( Exhibit # XXXX ) The Dispute : Target Card Services, Target National Bank, Eagle National Bank USA NA are inaccurately reporting in my XXXX XXXX XXXX that my account was 60 days late, they removed the initial reporting that account was included in Chapter XXXX Bankruptcy Wage Earner plan ( Exhibit # XXXX - initial reporting ) and they now report account as a "" Charge off '' ( Exhibit # XXXX ) which is a violation of my rights under the Fair Credit Report Act. 

Target Card Services has indicated on XXXX XXXX, XXXX that account was sold to XXXX on XXXX XXXX, XXXX and that no Proof of Claim was filed in U.S. Bankruptcy Court. Target National Bank filed a Proof of Claim, which included the account summary, on XXXX XXXX, XXXX and their failure to give notice to the U.S. Bankruptcy Court of the sale to XXXX is a federal law violation",,Consent provided,Web,2016-10-01,Closed with explanation,Yes,Yes,CR2140739,12325
2016-10-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-10-01,Closed with explanation,Yes,No,CR2140677,11947
2016-10-01,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-10-01,Closed with monetary relief,Yes,No,CR2141896,1598
2016-10-01,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-10-01,Closed with explanation,Yes,Yes,CR2141112,242
2016-10-01,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2016-10-12,Closed with explanation,Yes,No,CR2143173,1539
2016-09-30,Bank account or service,Checking account,Problems caused by my funds being low,,"Between XXXX and XXXX I was charged excessive overdraft fees. Some of those fees were transfers to my own Eagle National Bank checking or savings account. Over {$450.00} in fees. I would like a refund of those fees in full. Why? Because Eagle National Bank advertises this service in which you are supposed to get notified immediately when your account is overdraft so you can take appropriate action. Usually, if you put money in the account within a few hours you avoid the fees. However, these notices are not coming to my email or text until at least 24 hours after the fee has been charged. The service is advertised to help you "" avoid '' fees. Well, how can I avoid fees if I 'm not getting the alerts. By the time I checked by account I was already {$300.00} in the "" red '' just from overdraft fees alone. I am a XXXX and I do n't make much that 's why I have these alerts so I know when I 'm missing money but I ca n't do anything when {$300.00} are already gone. I want all my excessive fees refunded from the time period of XXXX. 

Thank you.",,Consent provided,Web,2016-09-30,Closed with monetary relief,Yes,No,CR2141289,11304
2016-09-30,Bank account or service,Checking account,"Account opening, closing, or management",,"I am asking for you to look into this account with Eagle National Bank that has stayed on XXXX XXXX. I have kept an account open with EN, opened an account and had difficulty depositing money in my account. I work to keep the account open, which is {$12.00} a month. I had a client deposit money and it was very hard to do.",,Consent provided,Web,2016-09-30,Closed with explanation,Yes,No,CR2142363,4551
2016-09-30,Bank account or service,Checking account,Deposits and withdrawals,,"There is potential stealing ( civil fraud ) or complete incompetence on the part of the BofA branch in XXXX Wa. 
The branch is located on XXXX XXXX. 
The individuals involved are a Representative-XXXX and Branch Manager-XXXX Since My fathers death XXXX years ago, I have deposited {$1500.00} dollars written from the XXXX XXXX XXXX XXXX every month with no issues. My parents have been with that branch for many many years. Also since my father passing I have PofA. 
On XXXX XXXX, 2016 I was helping my XXXX XXXX XXXX mother balance her checking account. I pulled the BofA statement and found that the XXXX deposit from XXXX was put in the account twice on XXXX XXXX, 2016 and then taken out twice on XXXX XXXX, 2016 along with a chargeback fee of {$12.00}. It was a Sunday evening so I called the BofA XXXX number. They said they would delete the fee but could not answer the transactions on the XXXX and XXXX of XXXX respectively, They recommended I call the Branch on Monday the XXXX of XXXX. On Monday, I called the branch and spoke with bank representative XXXX XXXX. He indicated with their new policies, the check was risky and made out to me so it was returned. Remember my mother never goes into the bank and not much activity in her account. I ask XXXX, if that was the case why was she not informed? No response. I ask how this check was different than the last 60 months? He said the check was made out to me. I said how were the last XXXX checks made out? He would have to look but advised me to go back to my bank XXXX. I called XXXX and the said the check was cleared. They indicated I go back to BofA. I got in touch with XXXX XXXX and told him the check had cleared and I needed to speak with his boss the branch manager. XXXX XXXX. He said he would have him call me. XXXX called me and had the same story and that I should go with contact the bill processor for XXXX and find out the problem. Remember, my account does not have the money and my mother 's account does not have the money and this is the middle of XXXX. I called the processor and they said that I would have to talk to XXXX. There were XXXX calls to XXXX and XXXX calls to BofA between the XXXX and the XXXX of XXXX. XXXX indicated the check had cleared and said they would send the cleared check to BofA with a note. BofA said they did not get it. I ask XXXX XXXX if he could set up a conference call? He said we do not do that?? I ask who he reported too and he said I can not give that out?? I ask if he would participate in a call? He said he would. No customer service on this branch managers part. I ask XXXX to send the letter and endorsed check again and could we set up a conference call between XXXX, the Processor and myself ) XXXX said yes. They faxed the endorsed check over and setup the call with XXXX XXXX. I introduced everyone and explained what we were trying to do. That BofA said that the check was sent back as a risky check and that XXXX need to file a claim. The processor spoke up and matter of fact said, XXXX XXXX I am sending you an affidavit that says the endorsement is not Eagle National Bankn and when I get it back I am opening a fed case. The phone went silent on Bof A side. I ask if the conversation was recorded. They said yes. About 45 minute later, I get a call and was told by XXXX XXXX the were issuing a counter credit for {$1500.00}. I said great but I still want to speak to your boss. Will have the boss call you. Never happened. Went to two Bof A complaint lines which are outsourced. Never heard anything. This smell and old people should not be taken advantage of. The check was not risky, it was cashed by BofA and the employees were lying. Something needs to be done is why I am reaching out to you so it does not happen to others. Almost smell like a XXXX situation whereby big banks think they are above the law.",Older American,Consent provided,Web,2016-09-30,Closed with monetary relief,Yes,Yes,CR2140974,329
2016-09-30,Credit card,,Billing disputes,,"I got this card to travel around XXXX. My card was used XXXX to get money from an ATM. XXXX transactions of XXXX with transaction fees for XXXX for each one and XXXX transactions of XXXX with transaction fees of XXXX for each one. At this point my credit card was already over the XXXX limit that I had so I do n't know why Eagle National Bank would even allow this. I called and made a complaint and they returned some of the money, but then I get a letter saying my claim was denied because the card was used to get money from the ATM, I called and told them that if it was denied why did they return most of the money back to my account and that I wanted them to return the rest because I was not going to pay for any transactions that I did not make so they reopened a claim and I recently got another letter saying the claim was denied. I already called Eagle National Bank and they just keep transferring me back and forth between departments and I get no help. A week later I call back and I finally get someone on the phone and she tells me she cant reopen the claim because it has already been denied twice.",,Consent provided,Web,2016-09-30,Closed with monetary relief,Yes,No,CR2141630,7521
2016-09-30,Credit card,,Other,,"There are actually two parts here - credit card and credit reporting and it goes back to XXXX In XXXX, I received a personalized application in the main for a new credit card from Eagle National Bank. It was addressed specifically to me and not a generalized "" Dear valued customer '' and indicated that I had a good credit score and qualified for a new credit card. After giving some thought, I applied for it. It was from Eagle National Bank. However, a month later, in XXXX, I was denied for it with the argument that I had already reached my limit even though I have a XXXX credit score. When I received my monthly statement, it indicated that my file needed to be update or my card could be closed, so I updated it. I contacted Eagle National Bank to find out why I was denied only to be given the run around. Finally, a worker told me that "" it was a generic bulk mailing sent to everyone '' ( except for the fact it was specifically to me and not a generic heading ). In XXXX, I received my credit report from XXXX and it said my credit was checked twice by Eagle National Bank, once in XXXX, right before I received the application and again in XXXX after I sent the application in. Now my credit, even though it is excellent, has that I was denied a credit card, which I would not have applied for to begin with if it was a generic bulk mailing and it has that my credit was checked twice in a short period of time, which only drives up my rates. I can gather my papers and send them in if you need, but I would either like to be reconsidered for the credit card, have it entirely removed from my credit report, and to have XXXX of the credit checks removed if I do qualify for the card. It was checked by XXXX different branches of EN and it seems that XXXX does not know what the other side is doing and that they might have changed their minds after sending out the offer, both of which are bad practices. 

XXXX",,Consent provided,Web,2016-09-30,Closed with explanation,Yes,No,CR2144449,352
2016-09-30,Credit card,,Other,,,,Consent not provided,Web,2016-09-30,Closed with explanation,Yes,No,CR2142609,4017
2016-09-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Other,Web,2016-09-30,Closed with explanation,Yes,Yes,CR2140676,2671
2016-09-30,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-09-30,Closed with explanation,Yes,No,CR2142210,2690
2016-09-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-10-06,Closed with non-monetary relief,Yes,No,CR2141018,4077
2016-09-29,Bank account or service,Checking account,"Account opening, closing, or management",,"A few years ago I opened FREE checking account in Eagle National Bank, in XXXX, Oregon. I had to follow few simply rules as not using teller services, only ATM, and I pad no fees. Few weeks ago I have noticed that while still following rules I agreed, I was being charged {$12.00} per month fee for having this account. 
I called, I visited in person and was told that type of free account I opened do not exist anymore. I closed my "" free '' checking account immediately. 
Eagle National Bank used "" bait and switch '' tactics in order to trick a lot of consumers, I supposed, into paying monthly fees. 
I have no idea for how many months I was paying $ XXXX monthly fee without my knowledge, but I am quite sure I ma not the only one who was tricked by BofA ( in Oregon at least ). In my opinion switching free account into $ XXXX monthly fee account was purposely designed trick. More than receiving paid fees, I would to ask to investigate BofA banking practices and I offer to provide more information and comments if needed.",,Consent provided,Web,2016-09-29,Closed with explanation,Yes,No,CR2139662,2011
2016-09-29,Bank account or service,Checking account,"Account opening, closing, or management",,"Due to a bounced deposit check, Eagle National Bank closed XXXX checking accounts of mine and reported the accounts to XXXX as "" possibly fraudulent ''. This was without contacting me in any way, shape or form to discuss the check. I tried contacting BofA through the phone but get pushed around between departments without any department being able to correct the issue for me with XXXX. Because of the closing of the account, my wife and I are unable to obtain any bank account with any bank and are on the verge of being evicted because checks are the only form of payment our landlord accepts. 

I have taken multiple steps to get in touch with BofA 's risk management team to correct the issue with no avail. I have even mailed formal letters of intent to sue with no response. Unfortunately, BofA 's headquarters are outside of my state and the process of suing them over this is far more expensive than I can afford. All I want is the information to be corrected and updated with XXXX. I appreciate your assistance in the matter.",,Consent provided,Web,2016-09-29,Closed with explanation,Yes,Yes,CR2139116,5565
2016-09-29,Bank account or service,Checking account,Deposits and withdrawals,,"In the past 30 days, there have been numerous instances that have resulted in our institution fraudulently and without cause having money taken from our account, by Eagle National Bank. The first instance was on XXXX/XXXX/2016. A deposit was taken to the XXXX XXXX EN, counted, and we were given a deposit slip. Later on, we noticed {$3100.00} has been deducted without our knowledge. We were later sent a piece of paper a deposit totaling {$6200.00} was missing {$3100.00}. There is no way their correspondence was even close to accurate. We went down to XXXX XXXX, where the young teller who counted the money admitted that the whole amount was in the deposit bags when he counted it. He was given stern looks, and then employees began searching through the trash ( hopefully they were n't looking for the deposit! But the timing was obviously suspect ). After speaking to XXXX XXXX, a representative at the branch, they eventually decided to credit us back the money ; however, they put it into the wrong bank account, and we had to have it transferred over. This was the first instance of Eagle National Bank taking money from our account, saying we never deposited it even with a valid deposit slip. 

Next, on XXXX/XXXX/2016, Eagle National Bank decided to deposit the same deposit into our account twice in the amount of {$1300.00}. Upon being alerted to their error, they they proceeded to deduct {$1300.00} out of our account, which is obviously {$20.00} more than their original error. Again, we had to call XXXX XXXX. Although we received no follow up call, the issue was eventually resolved, and the bank account does not even reflect their initial error, which is odd. 

Finally, on XXXX/XXXX/2016, we received another notice from Eagle National Bank. This notice says that a deposit of {$5900.00} had been missing {$1000.00}, and they deducted that amount from our account. Again, the money was counted at the XXXX XXXX XXXX, and we were given a deposit slip. Even with this evidence, they took the money from our account. After trying to call XXXX XXXX again to see where our money went this time, we were stone walled, and not given any further information and would not let us speak to XXXX XXXX about their discrepancy. At this moment, they still have the {$1000.00} they took from us, with no sign of them even investigating where our money went. 

This is the XXXX time in 30 days that this branch has lost our money. We have had to fight them to get the money back XXXX, and are now out {$1000.00}, with no reasonable reason. We have valid deposit slips, and we have the notices from company. And we are getting no response from the XXXX XXXX XXXX any longer.",,Consent provided,Web,2016-09-29,Closed with explanation,Yes,No,CR2137678,179
2016-09-29,Bank account or service,Other bank product/service,Using a debit or ATM card,,"Over the course of three months, I discovered I had {$14000.00} worth of fraudulent charges on my debit card. I notified Eagle National Bank and they refuse to cover it. I had been seeing a woman during this time and it turns out that she was the one who was running up my debit card. I have filed a police report, submitted time sheets that prove that I was at work when some of these charges were made, and I even submitted a transcript of text messages between her and I where she admits that she was the one who charged up my cards. Eagle National Bank has covered {$3800.00}, but wont cover the other {$10000.00} ( not including international fees ) and wo n't explain to my why they covered part of it but not the rest. I have made multiple phone calls ( at least 25 or more ) into the bank, and requested on every single call that I speak to an 'investigator ' ( the decision makers when it comes to fraud ) and have never once gotten a call. But when I speak to the fraud department, I have been told everything from they wont cover it because the charges were made from my IP address ( i would let her stay at my house when I went to work, I keep all of my debit and credit cards as well as all my passwords in a drawer at my desk in my home office ) to one rep telling me that because I let her stay at my house without anyone there, I was technically giving her permission to use my card-I NEVER gave permission, to one rep telling my that yeah the bank should cover it but it was n't up to him or his department. These are multiple charges that happened over the course of three months to place like XXXX. I cant even read the merchants name. Yet BofA tells me that their security team called or someone called in to justify these charges. my neighbor tells me that this woman had visitors while I was at work. But Eagle National Bank NEVER called me to ask about any of this. They just refused to fight on my behalf even though I have submitted paperwork proving I did not authorize these charges. What I do n't understand and what they refuse to explain to me is why they covered some of the charges and not the others? They were all fraudulently charged without my permission!",,Consent provided,Web,2016-09-29,Closed with explanation,Yes,Yes,CR2138622,3447
2016-09-29,Credit card,,Other,,"They have failed to verify the information that I am asking for when I contact the bureaus. I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et. seq. - see specifically FCRA 1681s-2, "" Responsibilities of furnishers of information to consumer reporting agencies '' ). 

I hereby dispute your information in its entirety and request supporting documentation that substantiates the information you have furnished to the Credit Agencies. 

Please note, I am not requesting a verification that you have my mailing address ; rather, I am requesting validation in the form of some competent evidence that I had some contractual obligation associated with this trade line. 
And if sunrise credit service has the account you are in violation. You ca n't report a balance if it is at a collection agency.",,Consent provided,Web,2016-09-29,Closed with explanation,Yes,Yes,CR2136720,4013
2016-09-29,Credit card,,Other,,"You have failed to respond to a certified letter date XXXX XXXX, 2016 within the 30 day required time frame. You are in violation of the Fair Debt Collection Practices Act and liable for willful noncompliance as per FCRA 623 ( a ) ( 3 ) ( false or misleading representations [ 15 USC 1962e ]. As you have now violated federal law, by not properly investigating within the required time-frame, and I have of such, via certified mail receipts, you must now remove the item. Your failure on your behalf to provide a copy of any alleged contract or other instruments bearing my signature gives me no choice but to pursue this matter in the court system. 
I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear at the XXXX XXXX County, FL Courthouse in order to defend yourself. Filing was made today XXXX/XXXX/2016. Your court date is XXXX XXXX, 2016 and my attorney will be sending you the summons via certified mail to your registered agent. 
Should you remove the item forthwith with notification as such, we will cancel the lawsuit.",Servicemember,Consent provided,Web,2016-09-29,Closed with explanation,Yes,No,CR2137722,12328
2016-09-29,Bank account or service,Checking account,Deposits and withdrawals,,"CFPB, C/O Eagle National Bank ATM DEBIT FRAUD CLAIM DEPT. 
RE : XXXX XXXX XXXX XXXX XXXX XXXX FRAUD CHARGES & XXXX FRAUD CHARGES CLAIM # XXXX XXXX - FRAUD MANAGER CC : XXXX FAX TO : XXXX XXXX XXXX TO DEMAND FULL REFUND OF {$48.00} XXXX XXXX, XXXX Hello XXXX AND XXXX FRAUD INVESTIGATION, I spoke to you today concerning cancelling my ATN Debit Card, re-issuing me a new one expediting the matter to send to my overnight in the mail. I am filing a formal fraud dispute for the BANK CHARGES listed on my account WITH Eagle National Bank ATM XXXX FRAUD CLAIM DEPT. AS OF XXXX XXXX, XXXX. The overdraft fee is {$70.00}, and the other charges total {$510.00} = {$580.00} that I demand be credited back to my checking account effective immediately. I am including evidence for my fraud claim, as there are many other consumer fraud reports concerning XXXX XXXX XXXX that people have had charges put on their bank debit or credit cards, listed within the same 2-4 day window on banking statements. These charges are considered to be Telephone crammer scam frauds, and are also being used in affiliation with outside vendor discount programs networks that offer other companies similar discounts for online purchases with other companies, such as XXXX.com which is a charge that shows up on my bill during the same 3-4 day window of charges that I did not authorize on my debit card. XXXX XXXX Fraud Dept. does not answer their phones, they have a message that plays automatically, but then hangs up and you can not leave a message for them. 

XXXX/XXXX/XXXX FEE OVERDRAFT PD View Details XXXX Setup balance alerts {$70.00} Pending Transactions : ( {$3.00} ) XXXX/XXXX/XXXX PURCHASE AUTHORIZATION XXXX {$.00} XXXX/XXXX/XXXX PURCHASE AUTHORIZATION XXXX XXXX {$.00} XXXX/XXXX/XXXX XXXX {$48.00} XXXX/XXXX/XXXX DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$210.00} XXXX/XXXX/XXXX DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$190.00} XXXX/XXXX/XXXX DEBIT CARD VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$51.00} Here are links cross-referencing the fraud that is being committed with XXXX XXXX XXXX and XXXX ; Employee Discount Program discounts provided by outside vendors Welcome to the XXXX College Employee Discount Program! 
XXXX XXXX XXXX XXXX VIA XXXX FRAUD CHARGES REPORT to XXXX XXXX XXXX, XXXX XXXX, XXXX Just received a XXXX charge from what appears to be your company. 
XXXX/XXXX/XXXX CHECK CRD PURCHASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX? XXXX {$680.00} I am stationed overseas and was unable to check my account until today when I stumbled on it. If this is some sort of scam where your information is being used you 've got things to mend. I 've never been affiliated with XXXX in any way. I 've filed a claim with my bank hopefully it get 's resolved and we can get to the bottom of this issue. 

THE PHONE ARCHIVE REPORTS OF COMPANIES CROSS-LINKED SERVICES WITH VENDOR DISCOUNT PROGRAM AFFILIATIONS WITH A LISTING OF XXXX ENTRIES WHERE THESE TYPES OF INCIDENTS ARE BEING RECORDED : XXXX Telephone Number Information data on the Internet XXXX XXXX Consumer Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Headquarters ) Toll-free : XXXX : XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Toll-free : XXXX ( XXXX Phones ) Toll-free : XXXX ( XXXX XXXX ) Toll-free : XXXX ( XXXX XXXX ) XXXX",,Consent provided,Web,2016-10-03,Closed with explanation,Yes,No,CR2139594,725
2016-09-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I continue to receive phone calls on my mobile phone generally at ( XXXX almost daily ) from Eagle National Bank regarding SOMEONE ELSE and their "" personal business matter ''. The phone call I am receiving calls from is XXXX Extension XXXX. I have either answered or called back and spoken to representatives a minimum of XXXX times explaining that I am not the person they are looking for. On XXXX/XXXX/16 I spoke to an extremely RUDE operator ( operator # XXXX ) and asked to speak with a supervisor. She told me that she did not think that a supervisor was available. My response was "" I 'm sure there is ''. After being on hold for 8 minutes, Operator XXXX came back on the line and told me a supervisor was unable to speak with me but that she located the account that was the root of these calls being made to me and removed the phone number from their list. I explained that this is the XXXX time that I have been told this and was very untrusting and displeased with this "" resolution ''. Throughout the entire phone call ( as was with the case with the others ) this operator ( # XXXX ) was beyond rude and very unprofessional. Firstly, I am not the person they are looking for and secondly, no one should be spoken to and or treated this way by a business, especially one as large and well known as Eagle National Bank. I ironically know the person they are trying to reach, have discussed these calls with the person they are trying to reach and told him that I would give Eagle National Bank his information. Eagle National Bank refuses to take said information. I appreciate any help I can receive.",,Consent provided,Web,2016-09-29,Closed with non-monetary relief,Yes,No,CR2139137,3190
2016-09-29,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank DAMAGED [ MY ABILITY TO ] USE [ MY ] DEBIT CARD [ ACCOUNT ] BY OBSTRUCTING ACCESS AND TAKING MONEY ( IN ORDER TO INCONVENIENCE, TROUBLE, AND HARASS THE CUSTOMERS PEACE AND TRANQUILITY ). Your submission ( Case number XXXX )",Older American,Consent provided,Web,2016-10-14,Closed with explanation,Yes,No,CR2139673,4804
2016-09-29,Bank account or service,Checking account,Problems caused by my funds being low,,"XXXX Bank continued to assess overdraft fees based on the improper reordering of debit card transactions from highest to lowest amount and to assess fees even at times when I would, but for the reordering, had sufficient funds in my account to cover all merchant requests for payment. 
"" Illegal and unfair assessment of the account ''",,Consent provided,Web,2016-09-29,Closed with monetary relief,Yes,Yes,CR2139613,758
2016-09-29,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-10-03,Closed with explanation,Yes,Yes,CR2136489,1469
2016-09-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-09-29,Closed with explanation,Yes,Yes,CR2138594,12726
2016-09-29,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-09-29,Closed with explanation,Yes,No,CR2139155,8327
2016-09-29,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-09-29,Closed with monetary relief,Yes,No,CR2137010,2771
2016-09-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-29,Closed with explanation,Yes,Yes,CR2138822,3597
2016-09-28,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited a check into my Eagle National Bank Checking account on Wednesday XXXX/XXXX/16. On Monday XXXX/XXXX/16 checks I had written against this deposit were presented for payment and were declined. On XXXX/XXXX/16 I received an email notification from EN that my account was overdrawn. I examined my account online and saw that there were sufficient funds to cover the checks I had written and more. I have no idea why they would not have paid the checks. Additionally EN charged me XXXX overdraft penalties of {$35.00} each ; {$70.00} in penalties. I called EN who told me that they can hold deposits for up to 7 days - it was written right on my deposit slip. WHO READS THE FINE PRINT ON DEPOSIT SLIPS? They agreed to refund XXXX of the penalties but not XXXX. The XXXX refund was apparently out of the kindness of their heart. In today 's banking system checks do not take 7 days to clear, I do not know why they held my deposit for such a long time. Customer service was absolutely no help to me.",,Consent provided,Web,2016-09-28,Closed with monetary relief,Yes,No,CR2136406,4155
2016-09-28,Bank account or service,Checking account,Using a debit or ATM card,,"My name is XXXX XXXX and I filed a debit card claim on XXXX/XXXX/2016. I am appalled at Eagle National Bank 's blatant disregard for the importance of my claim. Eagle National Bank had failed to thoroughly investigate my claim. I was told that my claim # XXXX was denied for XXXX reason and that the other XXXX claim numbers # XXXX & # XXXX were denied for the same exact reason in which was just copied and pasted to the other claim results. If thoroughly investigated how can the denial reason be the same when a pin was n't used for claim number XXXX. After conducting my own investigation it was determined that was a gasoline charge ( no pin transaction ) and the other claim ( XXXX ) was done on a totally different day ( A week and a half prior ) and only brought to my attention by the representative that filed my claim on Saturday ( 2 days ago ). 

This is my very first bank account and I am an XXXX XXXX XXXX college XXXX. So I am very aware that it is impossible to conduct a thorough investigation in less than XXXX hours ( non business days ). I have been working with the police department and school security and they have determined that it is impossible to conduct a thorough investigation. I would like surveillance cameras looked over and witnesses questioned. That was my college refund money that was compromised and my bills depend on the money that was in my bank account. The incident occurred at a casino mile s away in North Carolina while I was at class. I have gotten statements from my professors who could attest that it was utterly impossible to be in XXXX places at once. 

For Eagle National Bank to be XXXX the biggest banks in the world. I ca n't believe that my claim would not be thoroughly reviewed. And not only was it not reviewed it was concluded based on a lie. How can you take XXXX claim conclusion and place it all on XXXX claims with XXXX totally different circumstances. Whoever reviewed this case did not represent Eagle National Bank and it 's alleged dedication to its customers appropriately. 

Therefore, I am requesting a thorough investigation as well as a provisional credit until the investigation is concluded. I would also like a detailed report of the investigation. 

Eagle National Bank has refused to honor the letter from school and XXXX PD stating that I am not a suspect and that pin was compromised with my card and other personal information.",,Consent provided,Web,2016-09-28,Closed with explanation,Yes,No,CR2135387,500
2016-09-28,Bank account or service,Checking account,Using a debit or ATM card,,"My name is XXXX XXXX and I filed a debit card claim on XXXX/XXXX/2016. On XXXX XXXX I noticed that my driver 's license, credit cards, debit card, social security and pin was stolen from dorm. I also discovered that a substantial amount of money was stolen out of my bank. I immediately notified the authorities. It has been determined that my room and other student 's rooms have been broken into. My money was taken from XXXX while I was in XXXX in class. My professors have testified that I was in class when some of the charges were being done and my swipe card and survellienance cameras also prove that I was not in XXXX at the time and in fact on campus. Eagle National Bank has refused to acknowledge my findings, police reports and statements. My bills are being shut off as we speak and this is my only source of income. I just want my funds back.",,Consent provided,Web,2016-09-28,Closed with explanation,Yes,No,CR2136850,4727
2016-09-28,Bank account or service,Checking account,Problems caused by my funds being low,,"This is not a one-time or rare occurrence. As a retiree living on a fixed income, I try very hard to manage my online bill pay accounts from XXXX different banks, without incurring overdraft fees from my Eagle National Bank account. They are gouging their customers with overdraft fees. When I use my online bill pay account with just B of A, their practice is to show my Availabe Balance as staying the same regardless of how many bills I authorize to be paid. This practice incurs multiple overdraft fees if I lose track of my real balance. I have incurred hundreds of dollars in overdraft fees from Eagle National Bank. My XXXX and XXXX XXXX accounts immediately subtract a bill paid from the available funds in real time so I know exactly how much money I have at all times. B of A does not do as these other banks do. I believe B of A does this on purpose to earn as many fees, of {$35.00} each, as they can. Do I purposely authorize bill payments when I know my available balance is XXXX? Of course not. Should I keep better records? Yes, But I sometimes fail to remember the auto drafts for my home, auto, and health insurance companies. Does B of A know when I have direct deposits coming in? Yes they do. Should I close my B of A accounts? You betcha!",Older American,Consent provided,Web,2016-09-28,Closed with monetary relief,Yes,Yes,CR2136925,3106
2016-09-28,Credit card,,APR or interest rate,,"Eagle National Bank has increased my rate steadily from 9.99 % to 25.24 %. They took my whole balance and converted it to the highest rate possible. This all started in XXXX, almost 10 years ago! They have been charging me up to {$480.00} a month in interest!!! Unbelievable!!! I have lost over {$50000.00} alone in interest on this XXXX card. I 've been trying to pay it down, but the balance originally was {$25000.00} and the interest very extreme. I can no longer pay almost {$1000.00} a month to just slowly bring down my interest amount, now at {$440.00}. They 're XXXX me!!",,Consent provided,Web,2016-09-28,Closed with explanation,Yes,No,CR2135374,2762
2016-09-28,Credit card,,Rewards,,"I missed 3 monthly payments on my Eagle National Bank credit card. Just negligence on my part, i was switching checking accounts, and just did n't update my payment information, etc. 
Anyway, Eagle National Bank canceled my credit card account because of it, without notifying me, and in the process deleted XXXX rewards points ( cash value of USD {$1500.00} ) I had spent XXXX dollars a year on this credit card every year since 2005. 
I had an outstanding balance of XXXX dollars when this happened, and I paid it off down to XXXX after they closed my account.",,Consent provided,Web,2016-09-28,Closed with explanation,Yes,No,CR2137343,4603
2016-09-28,Bank account or service,Other bank product/service,Using a debit or ATM card,,"A customer of Eagle National Bank, XXXX XXXX, XXXX, CT, loaned me {$3500.00} in XXXX 2016 for my daughter 's college tuition, She used her debit card to make the payments.to the University my daughter attends. The first payment was {$2500.00} which was made online from her home. The second XXXX, she accompanied my daughter on campus and made the payment.Service fees were also paid by her. Initially, arrangements were made between both of us for full repayment by XXXX XXXX, 2016. No Promissory Note was done as she said it was okay without one. I repaid her {$2000.00} of the {$3500.00}. I was having difficulty with my source of funds, so she told me to repay her in small amounts. She then decided shortly after telling me to pay her back in small amounts that she needed the balance by the end of XXXX 2016. I informed her that it was not possible and I would pay her on XXXX XXXX, 2016. Sometime in XXXX 2016, she contacted her bank and reported the first payment as a fraudulent transaction. The bank ruled in her favour and returned the money to her.I spoke with the bank and was informed that I was not a customer of the Bank and they have to protect the interest of their clients. I attempted to get back my money from this woman, she told me that she is waiting for me to take her to Small Claims Court. She is also denying that she loaned me the {$2500.00}. I physically visited the bank and showed the representative the text messages. She discussed this with her manager who instructed her to inform me that there is nothing they can do as they have to protect their client and I would have to go through the courts. I can not afford a lawyer and being repaid in small amounts will not assist me to pay the University.",,Consent provided,Web,2016-09-28,Closed with explanation,Yes,No,CR2137493,3786
2016-09-28,Credit card,,Other,,,Older American,Consent not provided,Web,2016-09-29,Closed with non-monetary relief,Yes,Yes,CR2134875,686
2016-09-28,Credit card,,Closing/Cancelling account,,,Older American,Consent not provided,Web,2016-10-17,Closed with explanation,Yes,Yes,CR2136736,3107
2016-09-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-30,Closed with explanation,Yes,Yes,CR2136260,2172
2016-09-27,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank continues to charge me overdraft protection transfer fees when my account has not be overdrawn and no protection fees have been transferred. When I contacted them yesterday to try to resolve the issue, they refuse to reverse the fees even though they have no justifiable reason for enforcing them. They have recently XXXX online support for this issue so that there is no paper trail for their handling of the situation. Again, my account was never overdrawn and there was no need for overdraft protection, but it was applied by the bank regardless and then a fee was assessed. This occurred on XXXX/XXXX/16 among various other occasions.",,Consent provided,Web,2016-09-27,Closed with explanation,Yes,No,CR2132991,4608
2016-09-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Eagle National Bank failed to timely post *2* payments to my credit card in the past week ... which should have been simple transfers within the bank, from my checking/savings accounts. This is a PATTERN OF BEHAVIOR over the past year. Please hold them accountable. ( I will copy this report to Sen. XXXX since EN is thoroughly unresponsive ... e.g. I 've been "" on hold '' for over an hour. )",Older American,Consent provided,Web,2016-09-27,Closed with monetary relief,Yes,No,CR2132628,2465
2016-09-27,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bankn changed my information mailing address, contact information without informing me. They can not tell me who did it or why. They then transferred all my funds out of the account to an unknown address. fraudulent activity was occurring in this account without my knowledge. I have filed a complaint as well as a fraudulent claim with Eagle National Bank. They have not responded and I can not get ahold of anyone to help me resolve this issue. The lack of concern over what was done to my account is alarming to say the least. I have no even received a phone call for any kind of follow up! I filed a police report as well as a letter to B of A Headquarters.",,Consent provided,Web,2016-09-29,Closed with monetary relief,Yes,No,CR2135122,2094
2016-09-27,Bank account or service,Checking account,Using a debit or ATM card,,"First reported to my bank an unauthorized transaction between merchant on XXXX/XXXX/16 for {$400.00}. Dispute : merchant ran my card on a unauthorized verbal a day before. Merchant was claiming transaction approval based on the days prior to services. Merchant did not fullfill my instructions and past services was still being worked/ discussed for over billing. First rebuttal between merchant was successful, however, metchant still overbilled and did not provide detailed information.No binding contract exists between merchant and I.They still ran payment without confirmed authorization on the day of transaction. 

Bank received rebuttal from merchant with XXXX pages plus of non-relavent documentation about the reported issue. My bank, Eagle National Bank immediately reversed the credit provided previously which resulted in a negative {$480.00} in XXXX of my XXXX accounts. I then proceeded to call the claims department to provide me with the documents that the merchant submitted so I can appeal and send my rebuttal based on the exhibits the merchant provided. Eagle National Bank claims department representative allegedly sent me the merchants documents via email for my review. However there was no sent documents. The representative still denied returning my credit until the claim was fully closed. 

I preceded to call and follow up the next few days and that claims rep. Did re-open the claim anf provided me my credit back. And she also added my notes on re-opening case and not receiving the documents promised. 

On XXXX/XXXX/16 BofA claims rep, XXXX XXXX left me a message to call back and ask for him, however I spent 2 occassions to reach him that day waiting over 30mins on hold. Due to working during the day I could not wait any longer. The following day, funds were taken out of a XXXX account. Giving me a $ XXXX again. 
Went on line to review the claim reasin. It still stated IN REVIEW, which was confusing because it was closed and a reverse was completed. 
The following Monday I reviewed a new notice which stated that I requested a withdrawal, which is not true. I called Eagle National Bank claims department and spoke to another representative and they confirmed what tge noticed said and I corrected them by saying I did not request my claim to be closed. They notated my syated and said they would have claims researcher XXXX XXXX call me back the latest within 2 days. I never received a call and a request for a reverse credit was still denied. 

Unfortunately, Eagle National Bank did not provide the documents promised for reviews and did not call back as promised. This situation is leaving my bank account in the negative and would like the bank to be responsible regardless now due to their errors and negligence.",,Consent provided,Web,2016-09-27,Closed with explanation,Yes,No,CR2133438,2760
2016-09-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I always pay my Eagle National Bank bill on the due date at night once I get home from work and get my family settled in for the night. Last month, I did this and it said the system was down for maintenance. I spoke with a customer service rep who said no late for would be added since it was their fault. So I called the next morning and paid the bill. Again I spoke to a customer service rep who said she could not see where a late fee had been added but to check my bill and let them know. I got my bill this morning and there was a late fee. So I called a third time, the woman I spoke with waived the fee but advised me that I needed to pay in the morning or a few days early because they always do maintenance at night. I explained to her that night was the most convenient time for me the customer, and if that were the case then they needed to move my due date. She then tried to set me up on automatic drafts, I explained that I was perfectly capable of keeping up with my finances better than they ever could. She told me that they had advised me of the fact of the updates at night and they would not be able to waive the late fee again. I would like to write someone a message or email at Eagle National Bank but there is noway to contact them other than by phone or writing, so here I am. Updates should be done between the hours of XXXX and XXXX to avoid inconveniencing the customer and adding a late fee when its their fault. I have never had a customer service rep be so rudde to me and tell me it was my fault when I tried to pay the bill on the due date but it was their system that decided to update on my due date.",,Consent provided,Web,2016-09-27,Closed with explanation,Yes,No,CR2134612,11687
2016-09-27,Bank account or service,Checking account,Using a debit or ATM card,,I do n't believe I had this account with Eagle National Bank in 2014 as recorded on my record for account abuse with a charge off of XXXX dollars. Would like to see prove of this account. I have never been to Missouri to any bank,,Consent provided,Web,2016-09-30,Closed with explanation,Yes,No,CR2133648,3021
2016-09-27,Bank account or service,Checking account,Problems caused by my funds being low,,"I have been a Eagle National Bank customer for more than a decade. This has not stopped them from stealing from me! 
I have XXXX complaints 1. 
Because of hard financial situation, I sometimes overdraw my account and gladly pay the regular {$35.00} overdraft fee. 
On Teusday XXXX/XXXX/2016, I needed to do this again. I checked my account to confirm that XXXX {$50.00} and XXXX {$100.00} payments I had made to my credit card were posted and they were. The balance on my account showed {$320.00}. I needed cash {$500.00}. I overdrew my account and waited to be charged the reguilar {$35.00}. To my shock the next day, I have been charged {$35.00} for each of the transactions listed above i.e. {$35.00} x XXXX EN said that same day AFTER I overdrew the accounts, the payments for my credit card were presented!!! This is a lie! I saw them posted with my two eyes the day before! I regret not taking a snap short of the account that day. I made the payments on Friday, they do not take that long to post. I have made such payments several times in the past! I am perplexed that a big bank like EN continue to steal from hard working Americans like me. 
They have done this in the past. Is this legal? How can it be? 

2. I disputed a transaction with XXXX XXXX and was vindicated, the overdraft fee that was incurred then was returned. EN refused to return the {$12.00} overdraft transfer fee for my credit card which was a backup for the account. The whole problem was due to systemic errors at XXXX hence I disputed the transaction. Why am I being made to pay for that? 
I tried to resolve this with EN by calling their customer services but they insisisted the charges are valid. How can that be?",,Consent provided,Web,2016-09-27,Closed with monetary relief,Yes,Yes,CR2134627,997
2016-09-27,Bank account or service,Checking account,Problems caused by my funds being low,,"I have been charged fees over and over by Eagle National Bank, but their website and customer tools are not helpful to customers at all. There is always an inconvenience and extra steps to pay a bill or even make a deposit at their ATMS. The platform creates a problem where customers like myself are not able to perform transactions easily without accruing fees. I just spoke with the rudest representative that argued with me and then performed a customer mistreat and hung up the phone on me when I asked to speak with a manager. This behavior demonstrates Eagle National Bank 's unwillingness to educate customers and provide accurate customer service. There phone prompts is designed to keep you from gaining access to talk with a representative. I had to call back and wait on hold a gain for more than 5 minutes due to the representative being rude and not wanting to provide his information for a follow up complaint.",,Consent provided,Web,2016-09-27,Closed with monetary relief,Yes,No,CR2135287,2789
2016-09-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I used their Bill Pay system on XX/XX/XXXX. The payment never went out so I had to pay a late fee and pay it again a few weeks later. Then when I called today to discuss/investigate - nobody knew who I was. They looked up my account number, nothing. My name, nothing. My zip code, nothing. I have several accounts at this bank and they have chosen to not remember who I am. Finally after an agonizing 30 minutes on the phone, the rep was able to find my account ( what a miracle ) and then denied that I ever made the payment. I have learned today that BofA is not training their people as well as not paying payments that I instructed them to do.",,Consent provided,Web,2016-09-27,Closed with monetary relief,Yes,No,CR2130595,3854
2016-09-27,Bank account or service,Checking account,Using a debit or ATM card,,On XXXX/XXXX/2016 {$1500.00} was withdrawn from my Eagle National Bank account using a fraudulent duplicate debit card. The debit card was in my possession and the withdrawals took place in a city XXXX miles away from my location. Eagle National Bank has denied refunding my money three times and advising the claim is not valid and it was not fraud.,,Consent provided,Web,2016-09-27,Closed with monetary relief,Yes,No,CR2133159,250
2016-09-27,Credit card,,Credit determination,,"A few years ago Eagle National Bank charged off a closed credit card balance against which I had been making mutually agreed upon, monthly, on-time payments. While they admitted it was not my fault, they also told me they could n't rectify the problem even though it negatively effected my credit. ( Unfortunately I did n't know about you guys. ) After this I continued to make mutually agreed upon, monthly, on-time payments. Recently with the same account, Eagle National Bank failed to report my payments to XXXX and XXXX ( and probably XXXX, but I did n't obtain that report ) for at least 12 months- XXXX of XXXX through XXXX of XXXX. While payments of {$0.00} a month were reported on the credit reports, the balance continued to mysteriously shrink by {$50.00} a month ( our mutually agreed upon payment amount ) because I continued to make on-time payments. Once again Eagle National Bank 's negligence negatively affected my credit. I also doubt they reported any payments after XXXX of XXXX, and do n't know if they reported that the account was since settled, paid, and closed out.",,Consent provided,Web,2016-09-27,Closed with explanation,Yes,Yes,CR2135294,3885
2016-09-27,Credit card,,Unsolicited issuance of credit card,,"Back in 2014 Eagle National Bank I contacted Eagle National Bank regarding a credit card. When they told me the terms of the account they were approving me for I immediately rejected the account and told them I did n't want it. This was IMMEDIATELY, I did n't wait to get the card etc. I never had this account. Eagle National Bank has reported on all XXXX major credit bureaus that I had this account for 3 months and closed it, which is not true. This is negatively impacting my FICO score. I disputed the report on all XXXX bureaus and the bank responded that their claim is correct so it remains.",,Consent provided,Web,2016-09-27,Closed with explanation,Yes,Yes,CR2133587,260
2016-09-27,Credit card,,Closing/Cancelling account,,"From XXXX I had a AAA Financial XXXX Card issued by Eagle National Bank. In XXXX XXXX, I called to notify them I wanted to close the account and was told the account balance was {$3900.00}. I made a payment in that amount and considered the account closed. After sending the {$3900.00} payment, a late fee of {$35.00} and {$9.00} of interest was charged to that account. At some point thereafter, Eagle National Bank put my account into charge-off status and put negative information on my credit report. I did not realize that until XXXX of XXXX and called to complain/request that be cleared up and corrected. I was told over the phone that it was an error and could be cleared up. I thought the matter was settled. Nope. I received a letter stating that i owed them the now {$56.00} and to pay it. Disgusted with the situation I ignored the issue. XXXX I noticed my credit report showing derogatory language concerning this account as BAD DEBT BAD DEBT BAD DEBT. I called in to B of A to complain and ask that this issue be removed and corrected. On XXXX/XXXX/XXXX I spoke to XXXX XXXX XXXX who said he could see the issue and how it came to be. He spoke to his supervisor and after that consult I was told that the fees/charges would be waived and the chargeoff be removed from my credit report. 1 week later I received another letter stating that I owed them {$56.00} and to pay it. On XXXX/XXXX/XXXX I spent 2 hours disputing this charge, and discussing my continued hassle and frustration with this issue. I was told once again that this was a valid charge and needed payment. Disgusted and angry, I paid the {$56.00} and informed them I would be closing all my other accounts with Eagle National Bank and refinancing a home mortgage they hold. 

Thanks for listening thus far. It is very frustration to deal with an entity like BofA and have them smear my credit report through no fault of mine. I have about XXXX accounts in good standing on my credit report, this was the only negative entry and was over {$56.00}. Eagle National Bank has my phone number, then and now, I 've had the same number last 9 years and not 1 phone call to me on their part. I did over {$87000.00} in business with them last year alone. I refuse to accept being treated this way by any financial institution. 

I am attempting to dispute this issue with the XXXX credit reporting agencies. Please let me know if there is anything you or I can do furthermore to counter this situation and repair the tarnishing of my credit report. 

XXXX XXXX XXXX",,Consent provided,Web,2016-09-27,Closed with explanation,Yes,No,CR2133304,13694
2016-09-27,Credit card,,Transaction issue,,"I have a credit card with Eagle National Bank that I use to shop for at XXXX XXXX, and I usually make the payment to the credit card through the ATM machine that they have at the branch that I always go to which is located at XXXX, MI XXXX. On XXXX XXXX, when I send my sister to make a cash deposit at the ATM, sometimes the ATM returns cash saying certain bills were not accepted, so she ended up cancelling the whole transaction, when she got in the car to the count the cash to make sure it was the same amount she started with, we found out we were {$690.00} short. The next day we went to the branch and explained the situation, and the Manager confirmed for me that they 're ATM was out of balance and that there was {$690.00} extra in the cash they had. She gave me a number to call which is to B of A customer service department, I explained the situation, they ended up giving me a temporary credit to my checking account of {$700.00} until they investigate the situation, after going back and forth, they wanted the ATM ID # 's, so I got them that, they wanted extra information, I supplied to them everything they needed, then on XXXX XXXX of 2016, they send me a letter stating that they were not able to find the extra money and that they are withdrawing the temporary credit they had given me on XXXX XXXX. At this point, I was very upset, because going back and forth and time holding on the phone to get to speak to someone is ridiculous and come find out the solution is aggravating. They know how to take someone 's money but they want to give me the hardest time about getting my money. This is my money that the ATM did n't give me which the manager confirmed it was extra. Does the right hand not communicate with the left hand? Are they not all under XXXX name? I ended up going to brank my self on XXXX XXXX, which a Banker assisted me and she grabbed the reports from that day and confirmed with me again that there was extra money in their balance that day. She called customer service and explained the situation, they opened the case again, they did take the credit out of my account, but they said they are investigating again. I have not heard anything and not seen the money. Please help because this is stealing from my money.",,Consent provided,Web,2016-09-27,Closed with explanation,Yes,Yes,CR2134264,1547
2016-09-27,Credit card,,Rewards,,"This how my ordeal with Eagle National Bank Started : Eagle National Bank issued me a credit card that comes with a XXXX % cash back reward on all purchases. I accepted the offer because of the terms and conditions on the card. The card has 0 % apr for purchases and balance transfer still 2017. I felt the card would come handy for the project I need it for. 
After having shopped with the card I saw the imaginary reward appear on my banking app issued by Eagle National Bank. 

But the irony to this shady and unethical practice is, when I clicked to apply the rewards to my account, a note popped up stating "" this offer can not be redeemed, call customer service for assistance. 
I called customer service as noted and I was told by the service associate that my account has been closed that 's why I can not redeem the offer. 

Wait a minute. I said okay and I told the service representative since my account is closed, apply my rewards to card and still have the card remained closed. Mind you, the never notified me that my account has been closed despite making timely payments on my account. 

In order to be on the safe side, I closed my checking account with them because the derserve a penny from me after many years of rip off. 

I told them plainly, "" no rewards no more payment '' not until this dispute is resolved. The next time will be to file class action suit against the financial institution for operating and running a ponzi scheme. 

And I believe some hard working american are falling prey to this financial predators. I will not stop until justice is done.",,Consent provided,Web,2016-09-27,Closed with explanation,Yes,Yes,CR2131289,2174
2016-09-27,Bank account or service,Checking account,Problems caused by my funds being low,,"I deposited a {$6500.00} business check from an XXXX Account ( Former XXXX ) for consulting work in person on a Saturday morning at Eagle National Bank XXXX, NJ. Should be available Tuesday 1 bus day after deposit. Well Eagle National Bank tried to hold my check for 10-days! The plan here is to catch me with Overdraft Fees at {$35.00} per check and going foward afterwards. The check was paid by XXXX Bank on Tuesday XXXX as it should have been, but Eagle National Bank said the check was A. Bad check from former XXXX and XXXX XXXX. B. Flagged by the XXXX as "" suspicious ''. I called my friend on the XXXX, who said we do n't do that. C. Eagle National Bank would clear the "" Bad Check '' but it would take10-days. Why would a Bad Check ever clear? This check was cleared, then held, then cleared all within 2-days. Finally permanent hold. Until I went to XXXX branch with a letter from XXXX dept saying check was paid on Tuesday morning as it normally would be. Eagle National Bank had my money for a week and charged me Overdraft Fees while they held my {$6500.00} in their account! My clients are the XXXX in XXXX, the State of XXXX and XXXX individuals. Never had one check bounce in 34-years, with over 20-years at Eagle National Bank. Interest rates are at historic lows, there is no rate spread to make money, so Eagle National Bank is forcing customers to overdraw checking accounts to collect {$35.00} per check Fees! Fees are where the real money is in Banking today, not interest rate spreads. 

Eagle National Bank has a systemic Bank wide plan to withhold large small business deposits, knowing owners are counting on the next business day check availability they advertise and writing checks to pay their bills. Eagle National Bank withholds those funds, even though Eagle National Bank was Paid by the other Bank, for a week to 10-days and watches the {$35.00} per check Overdraft Fees pile up! Hey, a New Profit Center. What a scam! 

Now they have Plan B too! Check your checking account online before bed, no pending checks, positive balance. Wakeup in XXXX check account, pending withdraw I forgot about , drive to XXXX XXXX at XXXX and deposit {$180.00} Cash. Positive balance on receipt. Still get charged {$35.00} Overdraft Fee, which then causes a {$20.00} check, which was covered prior to Overdraft Fee, causes another {$35.00} Overdraft Fee!!! This is the cascading power failure scenario, but for Banking and increased profits! There is literally No Way to Avoid a {$35.00} Overdraft Fee at Eagle National Bank, no matter if you checked your account around the clock. Because the server is down at XXXX XXXX when they process the overnight transactions. So by the time you see it, it 's already too late, do n't add cash to you account, you are already too late! Eagle National Bank added the Guranteed Overdraft Fee Amendment to our Banking fine print in XXXX 2016. I wonder how much Overdraft Fee Income went up since then, a XXXX or XXXX?? 

My old friendly Eagle National Bank and America 's Most Convenient Bank is far from that now, now that the XXXX took it over from local ownership! 

This needs an extensive Congressional Investigation of Eagle National Bank, and others. I will be consulting with Counsel about a Class Action lawsuit. Good luck with fixing this one! But that is the CFP Boards job!",,Consent provided,Web,2016-09-30,Closed with explanation,Yes,No,CR2132979,2849
2016-09-27,Credit card,,Billing disputes,,"XXXX XXXX XXXX TX. XXXX I opened a Target store card in 2015 at the register after first refusing but the cashier pushed and I finally caved and it has been the worst nightmare since. I have several credit accounts, standard accounts and store accounts. I pay on time with payments that cover all or on occasion most of the current balance. I made a one-time purchase at Target using their temporary card for a little over {$100.00} purchase of toys for my grandchildren. I never received the card or the bill and it being XXXX I did n't think about it. I did n't know my account number then or now. 
A few weeks later, I got a bill with a {$35.00} dollar late charge. I called and explained to a rep and it was removed ; however I did not receive a later bill. I called and asked for the balance stating I was tired of the extra charges and wanted to pay it off. I was given an amount of {$94.00} and I paid it with an online check. Apparently the routing number was n't correct and if so it had to be the clerk on their side because I know my number by heart without reading it off. I was n't notified and thought my next bill was a mistake since I knew I paid it off. I called and was told it was the wrong routing number so I gave it again. I still got bills and called again. This time I was told that I had n't made the full payment of {$100.00} and was billed late charges again on top of the difference. I explained that I asked for the total and paid what I was told. I offered to pay the difference and one late charge which I did, but would n't pay the extra late charges. To date I keep getting bills for late charges and I do n't feel I should. 
I called them numerous times during all of this and asked to speak to supervisors a few times. I informed them I was a teacher and could n't pick up until XXXX daily. I did n't know the number that would call and it never said Target, but in any case they were before XXXX when I ca n't answer. When I did n't get a call I went to Target to talk to them in person. It was then that I found there is no one physically in any store to handle credit problems. The person I finally talked to called on a Saturday and was not a supervisor as requested and was very rude. He is one I paid the difference to and one late charge. Needless to say this situation is still continuing and although the store admits that they made mistakes they are not willing to drop the late charges or comp. I closed the account I never received a card for and am hoping that it is noticed that I am not behind on any other bill and had excellent credit until this. I do n't think that the consumer should foot the bill for a company that uses these type of tactics. XXXX is a website I wish I had seen earlier showing how many people received the same type of treatment as I did. I am hoping you will attach this as an explanation for this black mark on my credit report. 
Sincerely XXXX XXXX",Older American,Consent provided,Web,2016-09-27,Closed with explanation,Yes,No,CR2133716,4129
2016-09-27,Credit card,,Credit determination,,,,Consent not provided,Web,2016-09-27,Closed with explanation,Yes,Yes,CR2133189,7772
2016-09-27,Credit card,,Other,,,,Consent not provided,Web,2016-09-27,Closed with explanation,Yes,No,CR2133234,3899
2016-09-27,Credit card,,Other,,,,Consent not provided,Web,2016-09-27,Closed with explanation,Yes,No,CR2134278,8692
2016-09-27,Credit card,,Other,,,,Consent not provided,Web,2016-09-27,Closed with explanation,Yes,No,CR2134758,921
2016-09-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-09-27,Closed with monetary relief,Yes,No,CR2134308,2509
2016-09-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-09-27,Closed with monetary relief,Yes,No,CR2133789,4709
2016-09-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-09-27,Closed with monetary relief,Yes,No,CR2134663,2974
2016-09-27,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-09-27,Closed with explanation,Yes,No,CR2134114,4079
2016-09-27,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-09-29,Closed with monetary relief,Yes,No,CR2131825,4298
2016-09-26,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Eagle National Bank prevents me from paying my Eagle National Bank credit card bill via their online system. Whenever I try, I get a message saying my account is not verified ( that is, the bank account from which I am trying to have the payment drawn from ). Eagle National Bank has been given all relevant details about the other bank account ( a XXXX XXXX account ). When I ask their customer service operator why they refuse to accept any payment drawn from the XXXX account, I am told it 's because I failed to acknowledge the XXXX tiny deposits they 'd made to the XXXX account many months ago to "" verify '' my account. I responded that I never noticed the XXXX tiny deposits from many months ago ( a few cents each ). And I was never told to expect them. They said they 'd sent me an email about that. I replied that I probably never opened it since either, a. ) I assumed it was probably an offer for additional banking services I did n't need or want, or b. ) It just got buried in my voluminous email pile and I never saw it. Whatever the case, can we just try to make the XXXX tiny deposits into my XXXX account again, now that I know what to expect, I then asked. I was told NO. I was told I would now have to submit an onerous level of identity/banking verification in order to merely be able to pay my credit card bill online. This includes cancelled checks. When I responded that I pay all my bills online and do n't really have any physical cancelled checks, all I got was vague justifications for this requirement. I was also told I had to go to the nearest XXXX branch and submit a special Eagle National Bank form in which the XXXX branch officer himself verifies my account. And if I recall correctly, there 's one more step that involved going to the nearest Eagle National Bank branch for addition verification and documentation. Basically, all of this is unnecessarily onerous and unreasonable. I just want to pay my credit card bill online like I pay just about everything else. No other bank or financial institution I have ever dealt with has been so uncooperative or imposed such obstacles to resolving any issue.",,Consent provided,Web,2016-09-26,Closed with explanation,Yes,No,CR2130065,3248
2016-09-26,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I purchased a "" lifetime subscription '' to XXXX XXXX XXXX XXXX XXXX ( XXXX company ). The transaction ( lump sum of {$15000.00} ) was made thru my XXXX Credit Card held in my Eagle National Bank Bank account. The funds were paid out from cash held in my account around XXXX XXXX. By XXXX XXXX, I decided that I had made a huge mistake. I did not use any of XXXX XXXX services at any time. I notified the bank right away and asked them to cancel the purchase. They informed me of their policy which included that I could try to cancel the purchase but the seller had the right to present evidence of information which would allow them to keep the funds and force the sale. They were given 60 days to make their case. The process continued for the full allowed time. Near the end of that period the funds were nominally moved back to my account list with Eagle National Bank and I had the mistaken belief that the long painful battle was over. I could not have been more wrong. I learned from XXXX of the many bank employees that the resolution had been made in favor of the sellers and I should have been sent a copy of it. Days later, I got a copy of it by mail. 
A few days ago, I received even worse news!! Even though I have already lost the XXXX XXXX dollars to the seller, the bank has structured things in such a manner that I will be forced to pay twice!! The bank claims that the {$15000.00} they passed on to XXXX is beyond their reach and there is nothing they can do about it. They claim I owe the bank {$15000.00} and they are more than comfortable to make me pay twice. The bank notified me that next month they will start charging me monthly interest and principal payments to repay the funds to the new phantom "" XXXX '' "" income fund '' sitting on my bank account screen and I am only allowed to "" look but not touch '. Go figure!! I am XXXX XXXX XXXX with XXXX XXXX. This horrible ordeal has produced a tremendous amount of stress.",,Consent provided,Web,2016-09-26,Closed with explanation,Yes,No,CR2132872,414
2016-09-26,Bank account or service,Cashing a check without an account,Using a debit or ATM card,,"My wife XXXX away in XXXX and had a credit card balance of {$12000.00}. Instead of being a XXXX, I chose to pay it off. I should have not paid it I guess, because it never showed up as paid, and lowered my credit score from XXXX to XXXX, with no way to ever be able to raise it. 
What they did was wrong, and it gets worse. Today, I have spent over two hours to find my credit report, and a way to contest it. Here is why. The online access to XXXX doesn ', t work unless You can upload documents, and I can, t because I only have a tablet .I c n't call XXXX because they have an automatic phone that does n't have the prompts to help people like me. So, rather then reward me for twelve years of payments, they XXXX me, lowered my credit score so I will never be able to raise it. I have XXXX items at the credit bureau, XXXX which I can prove are invalid with supporting documentation. Their behavior has led me to be turned down from them, and XXXX other business, which made my credit score go down. What are consumers supposed to do when banks are allowed to participate in this type of behavior? I had a mortgage ( XXXX ) with EN which was paid off in XXXX. I have court papers that prove I was n't in control. I have XXXX valid debt at the credit bureau which I will pay. The rest are not even valid, but XXXX has a network that wo n't allow you to talk to someone in person. So now i ca n't receive a credit report, or a disclosure form to validate their claim. I thought that it was illegal A consumer should 't have to spend hours on the phone to obtain this information. 
I would like EN to remove any reports on my credit report that should n't be there, and provide a credit report, and valid forms to remove documents. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX Turned down for a secured credit card. What 's up with that.",Older American,Consent provided,Web,2016-09-29,Closed with explanation,Yes,No,CR2131663,853
2016-09-26,Bank account or service,Checking account,"Account opening, closing, or management",,"Problem 1- I have been an checking account holder in Eagle National Bank XXXX XXXX, and when I moved to XXXX XXXX XXXX, I made my account online only for ease of use. I was using the account regularly, with last login on XXXX. In XXXX, XXXX & XXXX of XXXX, I get XXXX emails from Bofa that I have to update my account information with my latest address, which I do. Sometime in XXXX, I try to login to my account, but I am locked out. I call Bofa customer care, and to my shock, they say that my account is closed by them, money has been zeroed out and cashiers cheque is sent to my XXXX address! There was absolutely no notification of closure of the account and sending of the cashiers cheque. 
Problem 2- So I find out that the cashiers cheque was made on XXXX/XXXX/XXXX, I was informed of this after I called them and not the other way around. The cheque is void after 90 days, but reaches me after 45 days, around first week of XXXX. When I call them that I have received the cheque and request if they can just reactivate my account and put the money back in my account, they refused to do it. They suggest I should encash it in XXXX itself. 
Problem 3- I give up on BofA and go to my local bank in XXXX XXXX They process my cashiers cheque on XXXX XXXX, XXXX and send it across to Eagle National Bank, where it has been received as of XXXX XXXX, XXXX. Yet, there is absolutely no response from Bofa on the status of my cashiers cheque. I also hear from my bank here XXXX XXXX Bank ), that there are XXXX such cases along with my cheque, with Eagle National Bank 's cashiers cheque along with the same envelope. 
So, for the last 3 or more months, Eagle National Bank has made my money disappear, without my permission, and has not even bothered do respond to my bank from XXXX, after I have gone through so much trouble! Today it is XXXX XXXX. XXXX is supposedly void XXXX XXXX, but that is beside the point. It is my money, and I have had no access to it and I do not see any signs of getting access to it either.",,Consent provided,Web,2016-09-28,Closed with explanation,Yes,No,CR2132798,12050
2016-09-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Received a letter from BofA on XX/XX/XXXX, dated XX/XX/XXXX, stating that as of XX/XX/XXXX they would no longer be my servicer, and that they would cease processing any payments. Told me my new servicer is XXXX XXXX XXXX, in FLA. Contacted XXXX, and as of XX/XX/XXXX they had NO record of my account. They ( BofA ) did the same thing last year after I filed a CFPB complaint. CFPB closed that complaint, stating BofA was no longer my servicer. Two weeks later I got a letter from BofA saying that they had decided to remain my servicer. Not sure to whom to direct this complaint, as BofA changes their tune each time a complaint is filed.",,Consent provided,Web,2016-09-26,Closed with explanation,Yes,Yes,CR2129886,3136
2016-09-26,Bank account or service,Checking account,Deposits and withdrawals,,"We are business and private customer at Eagle National Bank since 2008 in good standing. About a month ago we have received a phone call and were requested to provide personal sensitive information like our social security numbers, etc. over the phone in order to update our customer profile. We denied to give out this information by phone but called Eagle National Bank immediately to take care of this update. Our information had not changed, but we received the information by phone that the update was taken care off. On XX/XX/XXXX we received 5 different letters from Bank of Amerika : XXXX of our credit cards had been closed, XXXX of our checking/saving account would be restricted due to missing personal information. We called Eagle National Bank again, provided more information, until everything was supposedly resolved. When we tried today to pay our Credit Card Statement we learned that our business credit cards were closed. Today we lost 5 hours talking to different agents at Eagle National Bank who were all very friendly but who could not do anything else than apologize and telling us that these are all compliance reasons. Why can we get a letter by mail that our accounts are closed but not a letter that there are still certain points that have to be clarified before the account is closed? At this point we are really upset and not feeling treated as "" VALUED ' customers ( like Eagle National Bank always tells us ). We want to make sure that this matter is taken care for all our accounts now before our other accounts are blocked / closed also. We are really disappointed that Eagle National Bank is "" playing around '' with our accounts just to get information and not considering in one single moments that they are affecting our business and private banking in a very negative way.",,Consent provided,Web,2016-09-26,Closed with non-monetary relief,Yes,Yes,CR2132610,2335
2016-09-26,Credit card,,Billing disputes,,"Dispute of unauthorized credit card charges : On or about XX/XX/2016 I noticed unusual activity with my Eagle National Bank credit card ending in XXXX. Therefore, I immediately contacted B. of America and reported approx {$1200.00} of unauthorized charges. I proved Eagle National Bank with as much information as I had and answered every one of their questions, On XX/XX/2016 I received all follow-up letter ( see attached ) requesting "" additional information '' without providing that additional information in writing. Since I have family members in law enforcement, one thing I know is at all times have records documented so they can not be misconstrued and always make sure both sides have access to these records. Eagle National Bank seems to demand a taped verbal conversation whereas, they obtain the only copy. However, I have read the complaints all over the internet that Eagle National Bank refuses to be transparent and manipulative. Therefore, i have requested all correspondence in writing to avoid confusion. 
Below is the email i forwarded to Eagle National Bank using their own and securely touted messaging platform. 
I have maintained a flawless credit history, never ever missing a payment in over 40 years and can not take an chances of this issue being reported inaccurately, as I am in the process of purchasing a new home sometime in the next few months. 
Additionally, Eagle National Bank attempts to force me to download Adobe in order to view certain documents. I refuse to download adobe as they have a horrible track record of being breached or having viruses attached to downloads. As I have been a victim in the past. 
"" Hi, RE : closed account ending in XXXX In response to a letter dated XX/XX/2016, which I received today ( XX/XX/2016 ), from the "" Fraud and Claims '' dept. The letter is asking for additional information regarding my fraud claim. I am requesting all correspondence with respect to my fraud claim be done in writing via email or USPS. This will insure a proper and accurate record, which I am sure Eagle National Bank supports. Verbal communications can be misinterpreted and lacks the transparency of both sides maintaining proper records. My email address is on file or you can reach me through your SECURE messaging platform. I will be happy to answer as best i can any additional questions. 
XXXX, XXXX XXXX",,Consent provided,Web,2016-09-26,Closed with explanation,Yes,No,CR2131685,2004
2016-09-26,Credit card,,Closing/Cancelling account,,"I had applied for a Eagle National Bank credit card. They issued a wrong card with different benefits. In fact the card they issued had no benefits at all. When i was talking to rep about it, i was mis informed that if i cancel the card without activating it or putting any charge on it, it would not be reported to the credit bureaus. That made cancel that card and another card for my wife which was never activated. @ weeks later XXXX cards are on our credit report as closed by consumer. Not only are they not clearing that, they are not letting me re-open those cards. This is hurting my credit. When i called back to inquire about, they are brushing it off as mis information on part of the agent and not offering any solution.",,Consent provided,Web,2016-09-26,Closed with explanation,Yes,Yes,CR2132905,7348
2016-09-26,Credit card,,Billing disputes,,"My XXXX used Eagle National Bank for our business banking. 

We closed the accounts XX/XX/XXXX and paid the accounts in full in person at the branch nearest our XXXX XXXX location. 

Over the years we received a few calls in attempt to collect a debt and asked us for our personal information ( which we assumed was fraud ). 

After the second call from the debt collector I called Eagle National Bank to look up my social security number and they confirmed that we did not have any due balances under my social security number ( in XX/XX/XXXX ). 

Today I called XXXX XXXX XXXX to resolve the issue once more and was informed that they have a due balance of {$11000.00} under my social security number that I do not recognize. 

They have no further information on the money other than they asserted that it is due in full. 

This letter is my formal complaint that I do not recognize this debt and that I will write XXXX XXXX XXXX a letter to cease contacting me about this fraudulent charge.",,Consent provided,Web,2016-09-26,Closed with explanation,Yes,No,CR2132116,3621
2016-09-26,Credit card,,Payoff process,,"i have had a Target Red credit card since XX/XX/XXXX. They refused to take my payment on XX/XX/XXXX at XXXX when payment was due by XX/XX/XXXX. I called the moment I remembered and as always intended to pay in full. I always pay any amounts due in full. citing they have made a late payment exception for twice in 12 months, they could not take this payment and remove late fees of {$25.00}, interest and the negative reporting to the credit bureaus. This is stupid. THREE times on XX/XX/XXXX and XX/XX/XXXX I asked for a supervisor and was refused. I was placed on long holds and told a supervisor would call me back within 24-48 hours. You 're telling me that inside of this MASSIVE organization, there is not one supervisor available to talk to me? XXXX I want the late reporting, fees and interest removed. I only have a {$200.00} credit limit with them anyway. It 's not like this is a big limit card. the amount due on XX/XX/XXXX was {$90.00}. XX/XX/XXXX phone calls only infuriated me further. One tried to strong arm me into paying over the phone and not even listen to what i had to say. What sort of shim/sham operation is this anyway?",,Consent provided,Web,2016-09-26,Closed with explanation,Yes,No,CR2131442,5144
2016-09-26,Credit card,,Closing/Cancelling account,,I received a letter dated XXXX/XXXX/2016 stating that my Target red card had been closed due to too many returned payments I immediately called target red card customer service to see what had occurred because I have n't had this issue before they then stated that this had also occurred back in XXXX because my checking account was closed and or frozen I stated that it wasnt and that i hadnt had any similar problems like this with any of my other creditors he then conferenced called my financial institution which they confirmed that my account was n't closed nor frozen but in fact the issue which was causing them to receive that error code thus subsequently returning payments was because my checking account did n't have check writing capabilities which they were initiating payments as a check and could only be used to make payments using the debit option I asked for my account to be reopened but the customer service agent was n't willing to help with that request,,Consent provided,Web,2016-09-26,Closed with explanation,Yes,Yes,CR2132059,1221
2016-09-26,Credit card,,Balance transfer,,,Older American,Consent not provided,Web,2016-09-28,Closed with monetary relief,Yes,No,CR2130883,2951
2016-09-26,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-09-26,Closed with explanation,Yes,No,CR2130938,2468
2016-09-26,Credit card,,Unsolicited issuance of credit card,,,,Consent not provided,Web,2016-09-26,Closed with explanation,Yes,No,CR2132143,4700
2016-09-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-26,Closed with explanation,Yes,Yes,CR2132711,1275
2016-09-26,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-09-26,Closed with explanation,Yes,Yes,CR2132135,8393
2016-09-26,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-10-04,Closed with monetary relief,Yes,No,CR2130923,7863
2016-09-25,Bank account or service,Savings account,"Account opening, closing, or management",,just open the saving account but after one month they closed my account with out any reason,,Consent provided,Web,2016-09-25,Closed with explanation,Yes,No,CR2130254,2451
2016-09-25,Credit card,,Advertising and marketing,,"I came into Eagle National Bank to get my pin number changed for my debit card.I was told about a balance transfer of my other cards at another bank. I was told this, thinking it would happen in XXXX session at that moment with the teller. Instead the teller had me click XXXX boxes on a screen as my signature and then told me I had to wait 2 hours on XXXX to get word from me having to call XXXX or wait a day to see what rate of credit I would get later. If XXXX XXXX had told me this would not be determined and I could not get this done at that moment I would have not done this precheck or application click. 
i still am not sure what the transaction or action of the clicks exactly did at the XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX office did. I was only given general policy and credit rate information. Nothing was given to me noting the date. Nothing was told to me of a prior date. I had no written record of the meeting accept my in bank pin change that occured. I even told her I had a freeze on my accont and I have not lifted it for that meeting, unless someone else did without me being aware of it. I would like a letter or record of the event sent to me. This place is strange. once a Teller named XXXX had me sign paper for a pen change months ago, and the top part said one thing and the bottom said another. Hopefully this branch is not doing a XXXX move and creating accounts without letting customers be aware of it. I am going to cancel the card when I get word of its number or anything to identify the meeting at all, other than the pen change. Which was the reason I came in to see the given to me fellow named XXXX too. At least XXXX walked me out to a teller to show me if I needed to change my pin in the future an new the old number I could use a teller. I think transactions should be explained in terms of timelines better in the future, like this can be done now in so many minutes or the process takes days or weeks or months all together. What if the person is going out of town or something.",Servicemember,Consent provided,Web,2016-09-25,Closed with explanation,Yes,No,CR2130091,1417
2016-09-25,Credit card,,Billing disputes,,"This is not about my credit score. This is about Eagle National Bank that made false promises to me about a dispute I had in the amount of {$420.00}. I have names of supervisors and representatives ( if needed ) that told me to provide all documents, which included 1 ) a letter of complaint describing what happened 2 ) receipt of purchase from merchant 3 ) a second opinion letter proving that what I purchased did not work. In short, I went to a XXXX to treat XXXX XXXX and was promised a XXXX week kit I bought for {$420.00} would DEFINITELY work. It did n't. I 'm still suffering with the same symptoms, seeing different doctors to help me, and had a letter from my primary doctor CONFIRMING this stuff was bogus and a rip off. Several times, I was told that second opinion letter would be sufficient enough to take that charge off of my account ( as long as it was within the time frame and it was ). So I faxed everything from a Eagle National Bank in town and all documents confirmed it was sent. When I called to follow up, they said they "" could not see "" the second opinion letter. I said it was definitely faxed with everything else. They had me fax it again. This went on for months. They said they finally received it and would be sending me a letter. The letter said my documents given were not sufficient enough. I was furious. I called back to appeal the decision. This time I spoke to a supervisor in disputes ( again if needed, I will give names ) He said they must not have gotten the second opinion letter because that should definitely be enough to get the charge off my account. Again, I went to Eagle National Bank to fax the second opinion letter from my doctor. Now, I got a letter stating that unfortunately, it 's out of the time frame. This credit card company is ran by nothing but a bunch of crooks. I will NEVER give them another cent. And I WILL be letting everyone know the experience I had with these people.Feel free to broadcast this anywhere consumers can see it, because I know I surely will!!! I have included documents that were faxed over. Please take note as you review, that some might be repeats but I want you to notice the time frame. I started this dispute back in XXXX ( it 's written on the doctor 's notes and it was all sent over within the time frame ). I am also fighting this dispute through XXXX. Thank you.",,Consent provided,Web,2016-09-27,Closed with explanation,Yes,Yes,CR2130309,700
2016-09-25,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-09-25,Closed with explanation,Yes,Yes,CR2129978,1665
2016-09-25,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-09-25,Closed with explanation,Yes,Yes,CR2130351,3950
2016-09-25,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-09-25,Closed with explanation,Yes,Yes,CR2130482,5389
2016-09-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-25,Closed with explanation,Yes,No,CR2130314,987
2016-09-25,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-09-25,Closed with monetary relief,Yes,No,CR2129726,703
2016-09-24,Bank account or service,Checking account,"Account opening, closing, or management",,I was trying to open a bank account at Eagle National Bankn but the banker told me that I ca n't open bank account at Eagle National Bankn because they said I abuse an account that I had. At that moment I was confuse because I have never open account at Eagle National Bankn before I was a victim of identity theft before I had fraud on my credit report. So I had to go to my local police station to file a police report that day so I need this bank to do a investigation on who open this account without my authority Eagle National Bankn told me I can never open a bank account never in life because of this situation.,,Consent provided,Web,2016-09-24,Closed with non-monetary relief,Yes,No,CR2130243,4771
2016-09-24,Bank account or service,Other bank product/service,Deposits and withdrawals,,"In XX/XX/XXXX, my business was a victim of fraud at the hands of BofA. An unknown person contacted BofA and requested a change to my account. What BofA agreed to do, without my consent, was transfer all receipts from my merchant account to an unknown XXXX XXXX account. At the same time, the fraudster also gained access to my merchant ID and established an offsite terminal. Then, with XXXX stolen cc, they processed charges in excess of XXXX, which appeared to originate from my office, yet went directly into the XXXX XXXX account. I believe that this event was an inside job because my security practices are consistent ; filing cabinets are always locked, sensitive information is always shredded and I never share banking details. Further, there was no break-in at my office. After considerable frustration and many calls to BofA, they eventually restored my losses, in excess of XXXX US. Jump forward to XX/XX/XXXX and I receive a Chargeback letter from Merchant Services for {$6700.00} and the disputed transaction occurred on XX/XX/XXXX ( at the same time when the fraud began ). Unfortunately, the unidentified XXXX consumer reported this as an unknown charge, and of course, I do not know who the person is, where they live, nor do I have any accounting record or receipt of the {$6700.00}. Basically, BofA 's security and forensics failed and they are attempting to extort their losses from my business. The chargeback notice was received on the same day as the deadline to respond, which is also unethical and creates needless anxiety and frustration for me, a long-term customer of this bank. To add insult to injury, I have spent three days trying to reach the Fraud managers who helped me with this claim a year ago. They have not returned XXXX of my calls. I have left messages with XXXX XXXX ( XXXX ) and her supervisor, XXXX ( XXXX ). I 've also attempted to get resolution with my local branch and many XXXX numbers, being kicked like a can down the road 8 times with various people and departments. All claiming that I need to talk with someone else. I still do n't know who or what department to contact. I am not responsible for BofA 's failure to secure my business account. They hold the "" keys '' and allegedly let a stranger fool them with my account. Had they simply called me or sent me an alert, like they do when I fill up for gasoline at a non-typical place, this could have been better controlled.",,Consent provided,Web,2016-09-24,Closed with explanation,Yes,No,CR2128924,6275
2016-09-24,Bank account or service,Checking account,"Account opening, closing, or management",,"My Eagle National Bank UTMA account for my son was opened years ago. EN insisted on a joint checking and savings account, though I needed only a savings account. The last two months, without warning, EN has been charging me a $ XXXX monthly maintenance fee for the checking account, which has no deposits, and claims that I owe them {$32.00}. I am trying to close the account. EN refuses to accept consumer emails unless it is a request for a copy of a check or statement ; refuses to provide a mailing address for consumer complaints ; and insists on limiting consumers to only phone call contact ( resulting in no documented record of what happened ) or instant messaging, but the EN live chat system is perpetually busy. I am now on perpetual hold to EN. This is unacceptable and deceptive. It would not be surprising if EN is trying to gouge many others with this practice of assessing unannounced fees on checking accounts on unsuspecting consumers, and then refusing or obstructing the ability of consumers to request that the account be closed.",Servicemember,Consent provided,Web,2016-09-24,Closed with monetary relief,Yes,No,CR2130157,4124
2016-09-24,Bank account or service,Checking account,"Account opening, closing, or management",,Tried to open up an account with XXXX different banks but the banks wo n't let me,,Consent provided,Web,2016-09-24,Closed with explanation,Yes,No,CR2129747,3379
2016-09-24,Credit card,,Advertising and marketing,,"I was purchasing a flight on XXXX XXXX. I almost completed the transaction and, at the last moment, was offered an XXXX XXXX credit card. This is issued through Eagle National Bank. 

There was a lot of advertising material promoting the benefits of the card and there were documents of small print stating with legal significance what would happen with the card. 

But, there was nothing about whether use of this XXXX XXXX credit card would or would not waive the credit card processing fee usually charged by XXXX. Usually, XXXX does not charge for using a debit card, but they charge over {$7.00} for using a credit card. 

It would have made sense for XXXX XXXX to include waiver of the processing fee in structuring this deal with Eagle National Bank because XXXX customers both promote and build goodwill for the airline when prospective credit card applicants see the customer using the XXXX credit card AND I assume XXXX is deriving a new income stream from this arrangement with Eagle National Bank. In other words, XXXX is most likely "" double dipping '' by getting paid by Eagle National Bank and also requiring their own customers to pay them to process the company 's own card. I do n't know this as a fact - but it is a safe assumption. I do n't have the investigative resources of the federal government and I was not able to read the fine print on my computer screen ( and my printer was not working ). 

I figured that this card would get an exception from the credit card processing fee, since it is the company 's own card. 

I applied, was issued a card and clicked on a button to use it for this transaction. 

Was I surprised! Instead of two radio buttons for ( 1 ) credit card use with a fee and ( 2 ) debit card use without a fee, there was now ( 3 ) a third radio button for using the card that was just issued to me. That was convenient! Apparently, the XXXX XXXX website has been updated to use the information about the new credit card from Eagle National Bank. 

I almost went ahead and used my new card when I saw that XXXX was going to charge me the credit card fee for processing their own credit card! 

I find it strange that they would charge a fee to use their own card. 

I find it deceptive that they did not say anything about this as part of their flashy advertising material promoting the card. 

If I had this reasonable expectation, I am sure many other travelers do to. 

Furthermore, I would imagine that the issuance of the credit card means that Eagle National Bank "" dinged '' my credit report. That was not necessary - I would not have applied for the card if I knew this was going to happen. 

Also, if they did "" ding '' my credit report, it was not necessary because they already have underwriting information on me - I am a Eagle National Bank customer and received preferential treatment in applying for the card. By logging into my Eagle National Bank online account from the XXXX XXXX website, the credit card application was automatically populated with some of my information. Eagle National Bank already knew who I am.",Older American,Consent provided,Web,2016-10-28,Closed with explanation,Yes,No,CR2129911,3374
2016-09-24,Credit card,,Billing statement,,,,Consent not provided,Web,2016-09-24,Closed with explanation,Yes,No,CR2130085,221
2016-09-24,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-09-24,Closed with monetary relief,Yes,No,CR2129738,4167
2016-09-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-24,Closed with monetary relief,Yes,No,CR2129805,13886
2016-09-24,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-09-29,Closed with explanation,Yes,No,CR2130147,4658
2016-09-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-09-24,Closed with non-monetary relief,Yes,No,CR2130184,2081
2016-09-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Deposited on XX/XX/XXXX {$860.00} into Eagle National Bank checking account. On XX/XX/XXXX a "" Preliminary Injunction '' was filed by United States District Judge XXXX XXXX XXXX. A Judgement shall issue a check in the amount of XXXX payable to the "" United States Department of Justice. 
1. Filled out a XXXX for California Request ( lien search ) XX/XX/XXXX and submitted that along with a money order to pay for the lien search to the Uniform Commercial Code online portal Office in my state where I 've taken up residency ; 2. Upon receipt of the search results, I found that there were no legitimate liens against me in the public record ( including no legitimate Internal Revenue Service liens ) ; 3.Made a true copy of the search results from the California Uniform Commercial Code office and attached it to a Notice and Demand sent to each of the credit bureaus. 
4 IRS Notice of Lien removed by credit bureaus. 
5.A valid lean by Internal Revenue Service requires a District Court Judge 's Signature, and whereas you are publishing a lien against me, and the attached XXXX shows no valid liens in the public record ; and where as this lien is damaging my reputation without cause, 6.Therefore, you are hereby granted Truth-In-Lending-Regulation Z District Court Judge who authorized the lien you are publishing against me OR to remove the lien from the public records.",,Consent provided,Web,2016-09-23,Closed with explanation,Yes,No,CR2125930,1496
2016-09-23,Bank account or service,Checking account,Problems caused by my funds being low,,"My name is XXXX XXXX, I am XXXX years old, I am currently a XXXX and employee at XXXX XXXX here in XXXX XXXX, California, I have been a customer at Eagle National Bank since XX/XX/2006 and I think their overdraft fees policy is ripping customers like me off, especially their extended overdraft fees policy which put customers like me in a deeper hole, they have been sued because of their overdraft fees policy and I think me and other customers are being ripped off because of their policy. 

My contact information : XXXX XXXX, Debit Card Number : XXXX Thank You XXXX XXXX",,Consent provided,Web,2016-09-23,Closed with explanation,Yes,No,CR2129362,1135
2016-09-23,Bank account or service,Checking account,Problems caused by my funds being low,,"On XX/XX/2016 spoke to the compliance officer about being charged excess fees. He assured me that they could not refund my and he did not know when the investigation would end. So, in order for me not incur any more overdraft fees. I stopped payment on XXXX accounts. A stop payment fee was applied and they deducted also XXXX dollars for the stop payment. The bank did not stop the payment nor did the refund my fee.",,Consent provided,Web,2016-09-23,Closed with explanation,Yes,No,CR2129440,342
2016-09-23,Bank account or service,Checking account,Problems caused by my funds being low,,"The bank processed credit card transactions that resulted in overdraft fees, I do not have this service setup and they should not have processed these transactions. They claim they are reoccurring because I used the same companies before but I did not authorize this.",,Consent provided,Web,2016-09-23,Closed with monetary relief,Yes,Yes,CR2129274,4596
2016-09-23,Credit card,,Customer service / Customer relations,,"I have tried unsuccessfully with Eagle National Bank ( BA ) to resolve this issue. 

I must have been online in my BA account ( I have BA checking and a credit card ) on XX/XX/2016. I was paying bills. I noticed that my BA credit card showed my minimum payment due for XX/XX/2016. I went ahead and set up a transfer from my checking account of more than enough to cover the minimum payment. MY BA checking account shows that money coming out on XX/XX/XXXX. My BA credit card statement shows that money being credited on XX/XX/XXXX. 

I was paying bills on the night of XX/XX/XXXX. I noticed my BA credit card was still showing the minimum payment due on XX/XX/XXXX. I called the number on my credit card and talked to a reprehensive at BA. She told me that she saw what happened and did not understand why it was not showing the payment due being paid. She noted my file. 

I was on my PC paying bills again on XX/XX/XXXX and decided to pay an additional payment, because I had charged more than I wanted to so far that month. When I got back on after XX/XX/XXXX, around XX/XX/XXXX, my BA account showed my account as past due. 

BA credit card is saying since I set up the transaction on XX/XX/XXXX, It was applied to my previous statement! How can that be when it shows coming out and going in on XX/XX/XXXX? BA has a XXXX system. 

I have called BA, sent a letter to BA credit card dept. and went into the local branch. All I get out of BA is tough luck that is our system and it ca n't be fixed. They will supposedly waive the late fee, but I have no idea how this will affect my credit. They want me to pay an additional payment. Is this any way to run a major bank?",,Consent provided,Web,2016-09-23,Closed with monetary relief,Yes,No,CR2128678,557
2016-09-23,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Please help me to better understand my dilemma with EN Bank. I was having difficulty with my banks services. Apparently EN Bank was having difficulties with software during the last holiday period of XXXX XXXX XXXX. I was transferring funds and attempting to make a billpay to XXXX XXXX. Of XXXX dollars. I keyed in my amount and then saw it popped up as the higher amount of XXXX which surprised me as this was an amount I had transferred to cover bills at the time, and I then cancelled. But the system closed on me. I then called and called and called the bank whick was crazy busy. And was yold systems were down to call later. I elained to the EN Bank phone rep my dilemma and she helped me go to my bank page to see what was going on. There was a zero pending and a zero amount and zero going out. And we agreed to wait for my XXXX. Payment till the system cleared up. 
And I did,, then I noticed the amount of XXXX was attempting to debit from my bank account. I called and was given the bill pay dept., they were upset I was trying to cancel. I told them this was not my financial paymentof choice of XXXX and I did not owe this amount and it was then to be am overpayment did not wish to make. They argued and said I was going to pay it and that was that! I had no way out and they did not see a cancellation by me? I told them maybe because the software system was having troubles. They said ths never happened and I was still paying this amount no matter what! This s is a new account so I tried to get it cleared up, but kept running into the same rederick and speech. I told them the bank saw the error at fitst call. And even gave me back the overdraft they had charged me with. I said I am not paying this and XXXX.this amount and XXXX XXXX agreed to this too and was sending back the checkmto them. Would only ask for payment once as I checked this with XXXX. And explained my dilemma to them throughly. I also talked with finesev. The company who EN Bank uses and they said they tried twice and never got any refrence of non payment and the money finesev paid out was returned to them also. So I owed nothing to XXXX.And the bill pay company finesev And both sad I was in good standing with them. So again I called EN Bank bill, pay. And was spoken to without truly ever understanding or clearifying why my acoount that yet has a negative XXXX on it? 
I spoke of non disclosure, and the man XXXX spoke but did not clarfy the total amount. I was on the phone for 2 hours or so. And he said my other charges caused my overdrafts as the XXXX was still pending even f I did not want it paid, it was in the system. So the system dictates not the customer n this case! I have been speaking to EN Bank since the XXXX of XXXX 2016. And have yet to see how this XXXX '' adds up? 
Each transaction over draft would equal to XXXX dollars each and how many have they claimed, XXXX did not add them up according to my statement that he went over with me by my request. How can I owe overdrafts and monies in the exact ampunt of the bill pay they are extracting plus the very same overdaft fee of XXXX each? This makes no sense to me? If I had the overdrafs they clamed it would total XXXX XXXX = XXXX and out XXXX this leaves XXXX dollars yet unaccounted for as owed, how! 
Make it plain to me I asked. 
Please come to my aid. I have looked up EN Bank 's recored and it is not a pretty one on overdrafts. I have hadvthem overturn them tor me before due to finding the overdrafs not only excessive but brutal and not always warrented. 
This their aruguement with me now, hum they play false I find out and I am penalized? 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York, XXXX XXXX XXXX My banking acoount is XXXX I am sending my statement here for you to see. Thank y",Older American,Consent provided,Web,2016-09-27,Closed with monetary relief,Yes,No,CR2129596,4363
2016-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,We account was closed randomly without explanation.,,Consent provided,Web,2016-09-23,Closed with explanation,Yes,Yes,CR2126585,2635
2016-09-23,Credit card,,Other,,,,Consent not provided,Web,2016-09-23,Closed with explanation,Yes,Yes,CR2129168,657
2016-09-23,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-09-23,Closed with explanation,Yes,No,CR2127740,893
2016-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,Other,Web,2016-09-23,Closed with explanation,Yes,Yes,CR2127715,499
2016-09-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-09-23,Closed with monetary relief,Yes,No,CR2128499,1434
2016-09-23,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-09-23,Closed with explanation,Yes,No,CR2128190,27
2016-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-26,Closed with explanation,Yes,No,CR2128320,1749
2016-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-27,Closed with explanation,Yes,No,CR2128419,2202
2016-09-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My complaint involves XXXX XXXX XXXX XXXX XXXX XXXX and application filed with Eagle National Bank ( EN ) for a corporate business bank account. It was alleged by EN that XXXX was a wire transfer service, resulting in bank account denial. 

XXXX XXXX ... is a XXXX Provider and reserves the right to create an entity to drive its XXXX services. As provided XXXX was created to XXXX XXXX XXXX XXXX XXXX XXXX XXXX consisting of but not limited to XXXX search, XXXX invoicing, and XXXX proxy functionality to enable alternative ( cash ( and debit ) ) payment for XXXX when booked online. 

Generally, the process is as follows : 1. User search and book flight at XXXX ( currently in XXXX at XXXX ) and 2. Opt to pay cash ( or debit ) offline, user has the option to pay cash/debit offline or credit/debit online 3. User is invoiced for booking ( see step XXXX ) and is instructed how to pay offline at XXXX 4. The user transacts accordingly at XXXX with cash ( or debit ) 5. Based on amount user transacts ( for XXXX ) at step XXXX XXXX makes ACH deposit into XXXX 's bank account. 
6. XXXX notifies XXXX that payment has occurred and ACH initiated 7. In the capacity of XXXX proxy XXXX purchase airfare electronically with debit card on behalf of user and 8. Sends flight confirmation code and further instructions via email, text or voicemail to user XXXX ( XXXX ) such as, XXXX. technically do the same as XXXX, enable travelers to search and book flights online and subsequently transact payment offline, but at XXXX XXXX in contrast to XXXX, with cash ( or debit ). However, said XXXX 's in contrast to XXXX have not been singled out for unfair and unfavorable treatment, ( re ) classified by financial institution ( EN or otherwise ) as a wire transfer service, resulting in denied corporate banking account. 

On another note, XXXX gift cards ( not limited to XXXX and XXXX XXXX XXXX ) are sold offline at major retail locations and payment is transacted with cash ( or debit ), same as XXXX. On the same token, XXXX XXXX XXXX XXXX and XXXX prepaid debit cards are sold offline ... and payment is transacted with cash ( or debit ), same as XXXX. XXXX and XXXX prepaid debit cards in are commonly purchased offline used to purchase airfare online, or electronically. 

Technically, XXXX, XXXX XXXX, XXXX and XXXX does what XXXX does but differently : 1. XXXX XXXX XXXX XXXX : Initially cash/debit transacts offline at retailer prior to booking flight 2. XXXX, XXXX XXXX debit card : Also initially transacts cash/debit offline at retailer prior to booking flight 3. XXXX : Initially books flight online ( at cashairfare.com ) and subsequently transact cash ( or debit ) payment offline ( at XXXX ) At bottom, airline stored value gift cards sold offline ... and XXXX, XXXX prepaid debit cards sold offline ... technically do the same as XXXX with few exceptions. 

Our business model ; our competitive advantage is to provide a streamlined, secure process enabling travelers ( not limited to those with online security concerns ) to search airfares online, book, and then transact payment using cash ( or debit ) offline at XXXX. Technically, we are a biller similar to the XXXX billers using XXXX ( likely some are EN clients ). XXXX-categories for a list of XXXX billers including EN listed under Consumer Loans and Collections.",,Consent provided,Web,2016-09-26,Closed with explanation,Yes,Yes,CR2127415,1730
2016-09-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My IRA which I transferred from my XXXX what was left to keep from loosing any more XXXX to XXXX after being told by the Vice President, and Customer Service that it was a Federal Law that a IRA could only be by Myself or the IRS for back taxes. I later had the same thing told to me by Vice Presidents, Legal Dept., Customer Service Dept.in XXXX, XXXX XXXX, California, Florida & North Carolina. Even the woman in Florida that disbursed the check to XXXX XXXX XXXX till she found out who I was with my file. When she returned to the phone "" we did nothing wrong, and there is nothing you can do '' and hung up would not answer my calls or return my calls.",Older American,Consent provided,Web,2016-09-22,Closed with explanation,Yes,Yes,CR2126013,1007
2016-09-22,Bank account or service,Checking account,"Account opening, closing, or management",,"XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
BK OF AMER XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX",,Consent provided,Web,2016-09-22,Closed with explanation,Yes,No,CR2127068,13095
2016-09-22,Credit card,,Unsolicited issuance of credit card,,"This is more of a "" for your information '' note. With XXXX XXXX in the news about account fraud, I was hoping that Eagle National Bank would also be included in the investigations. About 8 years ago they opened a credit card account without my permission. I have a checking/savings account and was curious about the percentage rate. No permission was given verbally or in writing however I received a credit card in the mail. I did not activate it and called Eagle National Bank to discontiue the card. It did affect my credit report though. Eagle National Bank denied any wrongdoing. I am hoping that you will be looking at their practices too. Thank you- Sincerely, XXXX XXXX",,Consent provided,Web,2016-09-22,Closed with explanation,Yes,No,CR2125663,3577
2016-09-22,Credit card,,APR or interest rate,,Twice I have been charged interest after paying my balance in full. I have called XXXX times and had the charges reversed but I am afraid people that do n't go over their bills carefully are being charged in error.,,Consent provided,Web,2016-09-26,Closed with explanation,Yes,No,CR2125608,2149
2016-09-22,Credit card,,Late fee,,"I have a Target card, it 's my smallest credit card and I only got it XXXX for the discount they were offering. I have otherwise great credit that HAD 100 % on time payments for 12 years until this little fiasco which has amazingly damaged my credit score. 
I got this card right before Target lost everyone 's bank info to criminals. They later changed their security to where it will never recognize my computer and requires all kinds of extra verification so that I can not ever seem to get into my own card online so I mail my payments as a check when I have a balance. 
Apparently it is taking them more than 10 days to "" receive '' and "" process '' my payments. I am currently owing them about {$75.00} which is entirely fees, after I already paid about that much in fees once already on a balance that was only like {$63.00} to begin with. ( I let my daughter use it for the discount to spend her birthday money and then forgot about it because I had an XXXX family member. ) So after the funeral I sucked it up and paid {$160.00} ( on an original balance of about {$63.00} ) due before the XXXX of XXXX which is the due date. Now I get a statement thinking this thing is paid off and how and somehow I still have late fees, XXXX actually, so now they want a further {$75.00}. This is ridiculous. I called my bank ( who showed the check had cleared on the XXXX ) and they said it had to have been presented on the XXXX or before to have cleared because it takes one business day. I sent it well ahead of time and they clearly had it in hand before the XXXX. What is it to me how long they take to sort and handle their mail? I consider this a failure to process the payments out of compliance with the Fair Credit Billing Act ( FCBA ) but they will not overturn the charges and close my account even though it consists entirely of fees made up for a payment which was already double the amount, a payment that they had to have in hand on the XXXX for it to be through on the XXXX. Can something not be done about this? They can just take whatever amount of time they desire to sort and process and fee as they please?",,Consent provided,Web,2016-09-22,Closed with explanation,Yes,No,CR2125979,4282
2016-09-22,Credit card,,Customer service / Customer relations,,On XX/XX/2016 I called Eagle National Bank and it was told me that my auto-pay has been removed by a manager.,,Consent provided,Web,2016-09-22,Closed with monetary relief,Yes,No,CR2125986,3775
2016-09-22,Credit card,,Rewards,,Eagle National Bank Credit Card Offer for EN Cash Rewards Visa offered {$200.00} cash back when spending {$1500.00} within 90 days of account opening. Never received the {$200.00}.,,Consent provided,Web,2016-09-22,Closed with monetary relief,Yes,No,CR2124952,3821
2016-09-22,Credit card,,Other,,,,Consent not provided,Web,2016-09-26,Closed with explanation,Yes,No,CR2127108,9313
2016-09-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,Other,Web,2016-09-23,Closed with explanation,Yes,No,CR2127240,4599
2016-09-21,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank charged me XXXX overdraft fees in one day for items returned for insufficient funds. A payment to my credit card was processed earlier than I thought and I had insufficient funds for other XXXX transactions that occurred on the same day ( some for as low as a few $ ). The total overdraft charges were {$140.00} in one day. I have been with Eagle National Bank for years and of course I will close my account as soon as feasible. I spoke to a manager XXXX XXXX on the phone ( he said he was at the West Virginia location of the Eagle National Bank ) about this and they refused to even consider canceling XXXX overdraft fee. I hope the CFPB can intervene and assist. Frankly, it is appalling how Eagle National Bank can do this.",,Consent provided,Web,2016-09-21,Closed with explanation,Yes,No,CR2123729,409
2016-09-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I had nearly {$800000.00} in an investment account at Merrill/Lynch, and a home worth another {$800000.00}. After my financial advisor, XXXX XXXX at the XXXX S.C. office took over my accounts, I would up with a little over {$40000.00}, total. I was talked into taking out a mortgage and a line of credit I did n't want, and encouraged not to pay them off. When the market crash happened, I was left with the debts, and no capital to pay them off with.",,Consent provided,Web,2016-09-23,Closed with explanation,Yes,No,CR2123276,1945
2016-09-21,Bank account or service,Checking account,Problems caused by my funds being low,,I have been charged excessive overdraft fees by Eagle National Bank,,Consent provided,Web,2016-09-21,Closed with explanation,Yes,No,CR2123031,3309
2016-09-21,Bank account or service,Checking account,"Account opening, closing, or management",,I tried to open an account with Eagle National Bank and without giving a reason the bank refused to open an account.,,Consent provided,Web,2016-09-21,Closed with explanation,Yes,No,CR2124501,4584
2016-09-21,Bank account or service,Checking account,"Account opening, closing, or management",,"My wife received a statement last week from Eagle National Bank for a Core Checking account that she never opened. It was addressed to her parents which was her old address, so luckily it got fwd 'd onto our new address. It was also in her maiden name, which is another sign of fraud. We called Eagle National Bank 's fraud department, waited for a rep for 80 minutes, explained the situation, he confirmed our identity, looked up the new account, then we asked how this ever got opened since we never did this, and also asked if this was an account setup by a Eagle National Bank employee to get a bonus, then he put us on a hold and then hung up on us. We are fairly certain this has been unresolved, and that Eagle National Bank opened this account without my wife 's permission. I looked up the details of the Eagle National Bank Core Checking account and see there is a fee associated with the checking account that we never opened. Eagle National Bank does not have a branch or ATM in the state we live in, which is another red flag.",,Consent provided,Web,2016-09-21,Closed with explanation,Yes,No,CR2122190,2958
2016-09-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"received letter from Eagle National Bank for intro. 0 % interest on balance transfers for 18 months. Called B of A, gave credit info. and was approved for a balance transfer from XXXX for approx. XXXX. I told the person I wanted to set up automatic payments at {$100.00} per month and he said no problem. I would receive a form in the mail to attach my routing no., accnt. no., and a blank check and send the info back and that would take care of that. I also stated I wanted my payments to be taken out around the XXXX of the month. I had sent the form in immediately, and expected everything to be taken care of. 
I opened a statement 3 weeks ago and learned I was late paying ( did n't make a payment in XXXX ) and needed to make a payment of about {$110.00}. to bring the account current. I called Eagle National Bank and asked them why they had not taken {$100.00} payment and they stated I either had to make a minimum payment ( {$67.00} ) or pay the account in full. No other payments were accepted. That is not what I was told when I transferred balance. Also, my payment due date was the XXXX of the month, not the XXXX of the month that I had requested. Eagle National Bank 's representatives give incorrect information. I closed the account this date ( XXXX/XXXX/16 ), because I do not feel B of A is either up ENrd with info., or the representatives are incompetent. I had been charged {$60.00} in late fees, which they refunded, and I also asked that they refund the 3 % fee I was charged to do a balance transfer ( approx. {$110.00} ). I feel B of A should refund the 3 % transfer fee I was charged when I initially contacted them because I had to pay another 3 % fee to get away from them ( I did a balance transfer to XXXX today ).",Older American,Consent provided,Web,2016-09-21,Closed with explanation,Yes,Yes,CR2122587,4235
2016-09-21,Bank account or service,Checking account,Using a debit or ATM card,,"This is my 7th complaint about Eagle National Bank! They have not yet fixed my problem with the money stolen out of my account! They just call me, and leave a message, but never pick up or call me back when I call or leave a message. Its crazy! Now, they charged my account another $ XXXX monthly fee, and an extended overdraft fee and they still have not refunded my money or helped me, but they keep over drafting my account! They should just give me my money back, and save us both a headache. I hate claims, and this is my first in XXXX years, and this process is a con and unjust to the customer!",Older American,Consent provided,Web,2016-09-21,Closed with monetary relief,Yes,No,CR2123271,347
2016-09-21,Bank account or service,Checking account,Deposits and withdrawals,,"This is not a complaint against the bank per se, it 's more a complaint about your regulation for this particular type of transaction. My friend was in desperate need of money and he asked me to deposit {$60.00} into his B of A account. When I presented B of A with {$60.00} in cash, they insisted on seeing my driver 's license and recorded my number in their system. They claimed this is a regulation from the Federal Government. I think this is absolutely ridiculous. Depositing {$60.00} in cash and recording that information serves XXXX purpose other than just more paperwork, and more useless paper-trailing and XXXX XXXX tracking. You 're not stopping any XXXX activity nor catching any XXXX by having them monitor a {$60.00} cash deposit. I would understand maybe if you had some kind of threshold maybe of {$1000.00} or something but me lending my friend a few bucks is no ones business. I like the idea of the CFPB, but your XXXX regulations like this make me want to side with some Republicans and get rid of your department.",,Consent provided,Web,2016-09-21,Closed with explanation,Yes,No,CR2123965,1433
2016-09-21,Credit card,,Closing/Cancelling account,,"Eagle National Bank issued a XXXX cancellation/discharge of debt back in XXXX which I filed with my income tax return for that year ( document attached ). BofA continues to report the accounts to XXXX, XXXX and XXXX as charged off, closed BUT with a current past due amount. This current past due amount should be XXXX ( {$0.00} ). When I called BofA, they told me that they agree that they charged it off, issued the XXXX and do not intend to collect. There is case law on whether an original creditor can collect after they 've issued a XXXX. In the bankruptcy case : XXXX, Debtors., United States Bankruptcy Court , XXXX Tennessee, XXXX XXXX, XXXX, the Court Stated : "" It is inequitable to require a debtor to claim cancellation of debt income as a component of his or her gross income and subsequently pay taxes on it while still allowing the creditor, who has reported to the Internal Revenue Service and the debtor that the indebtedness was cancelled or discharged, to then collect it from the debtor. ... ... The court does not agree with the argument that because a Form XXXX can be corrected or amended, it can not constitute an admission by a creditor that a debt has, in fact, been discharged or cancelled and that the debtor is no longer indebted thereon. ''",,Consent provided,Web,2016-09-21,Closed with explanation,Yes,No,CR2121976,2080
2016-09-21,Credit card,,Billing disputes,,"I have a Eagle National Bank Credit card which was compromised. I contacted Eagle National Bank on or around XX/XX/2016 and informed them of all the unauthorized transactions. Eagle National Bank has acknowledged these disputes however refuse to deduct the amount in dispute from my balance as required by Federal policy. Further, Eagle National Bank has reported this inaccurate balance to XXXX, XXXX and XXXX, again in violation of Federal Policy. I have disputed this balance with the XXXX bureau mentioned.",Older American,Consent provided,Web,2016-09-21,Closed with explanation,Yes,No,CR2124376,2177
2016-09-21,Credit card,,Closing/Cancelling account,,My apt was closed bad on what i believe to be fraudulent activity. I 'm told I 've missed 4 payments in a tow when debits to my checking account shows different. Tried to access my online crefit card account and it was closed after a large payment of XXXX was paid on it. Then was told that that csme almost 7 dats after the account was closed and i had been notified that my acvount was closing. When i told them XXXX XXXX this was industry he became rude and disrespectful. I would not argue so i hot of phone to reach how to file a Formal complaint against he and Eagle National Bank,,Consent provided,Web,2016-09-21,Closed with explanation,Yes,No,CR2123753,3636
2016-09-21,Bank account or service,Checking account,Deposits and withdrawals,,"On XX/XX/XXXX I made a cash deposit to cover pending charges in my back account. All transactions, including my deposit, posted on the same day. However, Eagle National Bank process transactions in a way that 's designed to collect fees from consumers. Basically they posted my debits before my credit, making me incur XXXX dollars in overdraft fees. This is not the first time this bank does that, and although it might not be illegal, it 's morally wrong. I walked into the bank to have them reverse the fees and they refused. XXXX XXXX, supposedly the supervisor at the branch located at XXXX XXXX XXXX XXXX XXXX, FL XXXX, told me that if I was not OK with the fee to go find another bank, that he would not refund the fee because it was not a bank error.",,Consent provided,Web,2016-09-21,Closed with monetary relief,Yes,No,CR2123811,4721
2016-09-21,Credit card,,Privacy,,"On XX/XX/XXXX, a cashier at the Target ( XXXX Branch ) at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX completed at Target Red Credit Card in my name, while I was paying for the items in the checkout line at the register. She framed it as a rewards card ( XXXX offers one ), took information from my license ( which was out of state and in XXXX as I moved into XXXX and was n't even a resident ), and entered it into the system. 
Months later, I was forwarded mail notifying that I had opened a credit card, charged an amount on that card and Target was attempting to collect a debt. 
I went back to the store and have seen numerous cashiers at that Target Branch as well as others to to upsell customers on the "" rewards card ''. 
In my attempts to clear this up, I had multiple attempts to contact Target Corporate Services between XX/XX/XXXX-XX/XX/XXXX and also found out from other cashiers that management offers large bonuses to employees who "" convince '' credit card accounts. In all cases, they said that it was out of their hands and they passed it off to debt collectors. 

XX/XX/XXXX, XXXX XXXX executives are being investigated by the Senate for the opening of fraudulent accounts, I truly wish the CFPB, Senate Banking Committee Consumer Financial Protection Bureau and other governmental organizations would investigate the practices of Target and Eagle National Bank US Holding Corporation on the opening of Target RED Card at checkout stands to see if there was a more systematic program in place by executives. 

Allowing a financial product to be sold at a checkout point where cashiers can demand access to personal information such as a driver 's license, and get access to personal things such as a signature to be used for very powerful things should simply be banned as fraudulent activity such as this happen. Target and EN executives should also have their emails reviewed for any systematic program to provide bonuses on the opening of RED Card accounts. 

Please see all problems with the RED Card accounts. 
XXXX As a resolution, Target has a Guest Services desk at the minimum and all financial products should be required to be verified there there with proper paperwork upfront provided on paper instead of through any checkout flow where it is prone to misuse by its cashiers. Anything not opened there and through the cash register should be closed, and all credit claims stopped.",,Consent provided,Web,2016-09-21,Closed with monetary relief,Yes,No,CR2123422,6749
2016-09-21,Credit card,,Identity theft / Fraud / Embezzlement,,"This company is still reporting a account on my file after i been notified that i have been a victim of identity theft and that i have all the necessary paperwork filed and police reports to support my claim. I 'm in the process of getting a mortgage and this account is hurting me and it is being listed as bankruptcy. I also have a fraudulent bankruptcy filing that I 'm working with the courts and the government to get that issue rectified. I have been dealing with this issue for years now with all my personal information being stolen such as social security number, address, DOB, phone numbers opened under my name and bank accounts opened under my name. I request this company remove my name and social from this account immediately and mark it as fraud so if i choose to do business with this company in the future this issue wo n't stop me. I have attached my police reports and FTC fraud identity theft affidavit which has a letter from the government showing that my identity was stolen in a cyber hack also.",,Consent provided,Web,2016-09-21,Closed with explanation,Yes,No,CR2123714,405
2016-09-21,Credit card,,Other fee,,,,Consent not provided,Web,2016-09-21,Closed with monetary relief,Yes,No,CR2123576,2336
2016-09-21,Credit card,,Other,,,,Consent not provided,Web,2016-09-21,Closed with explanation,Yes,No,CR2124275,3435
2016-09-20,Bank account or service,Other bank product/service,Using a debit or ATM card,,"A Eagle National Bank ATM card, issued to bank patrons, allowing a customer to access their accounts stopped working in B of A ATM machines. The card did work at the banks inside teller Windows. My branch tellers thought that strange and advised me to call the B of A telephone number on the back of the card since the card was not damaged and did work if I entered the bank. I called number on the back of the card and was advised that the account was active and that problem should not happen and they would replace the card for a {$5.00} fee. Since this card was originally issued by B of A when opening my account and thru no fault of mine the card no longer worked, B of A should replace the card instead of passing on an ever growing number of fees costing the consumer excessive financial burdens. As an additional note my local branch advised me they were getting numerous complaints from customers regarding excessive fees, that they as a branch had no control.",Older American,Consent provided,Web,2016-09-20,Closed with explanation,Yes,No,CR2120539,3550
2016-09-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank is charging me fees for my former credit card account which was closed on XX/XX/2016. I have contacted them several times to no avail. The account is closed. I moved from XXXX to XXXX last year. I had EN accounts for 20 years in XXXX. I am now in XXXX. There are no EN locations here. The closest XXXX to me now is XXXX miles away. All my EN accounts are now closed, but EN continues to send me monthly statements for credit card fees.",Older American,Consent provided,Web,2016-09-20,Closed with monetary relief,Yes,No,CR2121347,3069
2016-09-20,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank located at XXXX XXXX XXXX XXXX in XXXX, MA XXXX has chronic shortage of staff. On XXXX XXXX, I try to visit the branch in the morning but the line of customer were pressing out the front door. I left and try to visit the branch again the following morning but the line was even worse as customer are forced out the front door. This branch only employee XXXX tellers and XXXX customer service personnel while XXXX Bank and XXXX Bank on the same street staff their branch with XXXX teller and XXXX customer service persons. Why is that Eagle National Bank under staff its branch compared to its competitors. Eagle National Bank realize there is a staffing shortage however has not made any attempt to address this matter. In addition the bank is aware that in a XXXX neighborhood, often times the XXXX utilizes teller services at a much higher rate than its suburban branches. Furthermore, XXXX we have a large XXXX who speaks XXXX. Currently we have no XXXX speaking teller. By not having XXXX speaking teller adds communication burden and creates longer teller lines there by under XXXX. Why is it that other banks are require to fulfill XXXX XXXX XXXX but Eagle National Bank at this location disregards its obligation under banking act. Why is that CFPB is unable to make Eagle National Bank provide community based banking service",,Consent provided,Web,2016-09-22,Closed with explanation,Yes,No,CR2120890,1367
2016-09-20,Bank account or service,Checking account,"Account opening, closing, or management",,EN changed my checking account type from college to whatever it is now and started charging for account maintenance fee without any acknowledgement. And there is no warnings at all prior to the change,,Consent provided,Web,2016-09-20,Closed with monetary relief,Yes,No,CR2121448,1431
2016-09-20,Bank account or service,Checking account,"Account opening, closing, or management",,"My Bank account was closed and my money has not been returned to me. The bank wrote me a letter to tell me that my balance wont be returned to me, including the direct deposits from my job. 
My Cousin XXXX XXXX who lives in XXXX contacted me for help with paying for his Goods/products in XXXX. He told me that he contacted some of his acquaintance in the USA who agreed to deposit into my account any dollar amount they want to send to XXXX so that he ( XXXX ) paysthe beneficiary in XXXX Currency. This 's due to the difficulties the business Men and Women in XXXX go through in order to obtain Dollar for their foreign transactions. I agreed to help my Cousin after he promised that the money that will be deposited into my account will be from a genuine source only come from within the USA. I started receiving deposits in my account and acknowledged same before he remitted the XXXX equivalent to the beneficiary in XXXX. 

On XX/XX/2016, I noticed that my account was blocked and called Eagle National Bank. I was informed that there was a fraudulent activity on my account hence the reason for my account being investigated. They refused to tell me what it was. This went on for over a week before a Eagle National Bank associate finally called me to intimate me that a deposit of {$2000.00} was made to my account on XX/XX/2016 which the account owner did not authorize. I have contacted my Cousin about this and he gave me a name and phone number of the check bearer which i forwarded to Eagle National Bank.I also asked them to look up the check bearer on the bank 's camera for arrest. 

Evidently, if the account owner did not authorize the said Check, then a stolen Check was deposited to my account in Florida. I am therefore seeking for an advice on how to go about this to clear my name from this and also my personal money including a direct deposit from my Job be released to me. I am willing to provide all correspondence from Eagle National Bank and the Letter from my Cousin to me regarding this. 
Thank you The bank name is : Eagle National Bank ( THE FILE # XXXX ) XXXX XXXX XXXX XXXX-FLORIDA, XXXX XXXX",,Consent provided,Web,2016-09-20,Closed with monetary relief,Yes,No,CR2120412,174
2016-09-20,Bank account or service,Checking account,Deposits and withdrawals,,We had a complaint and did a fraud alert with Eagle National Bank and they credited our account temporarily for the {$300.00} then all of a sudden without notify us the claim had been closed or anything they just take out the {$300.00} without us even knowing anything putting our account into the red which h I do not appreciate at all they tell us you get a letter in the mail that 's not right they should notify me they are taking out the money or that the case has been closed before they start just taking money out without my knowledge very upset about about this,,Consent provided,Web,2016-09-20,Closed with monetary relief,Yes,No,CR2121361,1908
2016-09-20,Credit card,,Balance transfer,,"Eagle National Bank mailed me an offer advertising zero interest on credit card balance transfers. I called them at XXXX on XX/XX/2016 at XXXX EST and spoke on a recorded line with XXXX XXXX who stated she was in XXXX XXXX , Texas to inquire if they would do it for me. After running a quick credit check, I was told that I was eligible to receive a modest line of credit. I told them I was not interested in that offer and to "" cancel my application '' and "" I do n't want anything from Eagle National Bank. '' At XXXX I was told "" We will close the account. A letter will go out within 14 days. '' Within two weeks I received a credit card in the mail and a notice that a new account had been opened. BofA subsequently contacted me for feedback on their service. My responses were of the worst grade possible in the survey 's scale of answers. I have never heard again from BofA. 
It would be bad if BofA submitted anything pertaining to this matter to a credit bureau.",Older American,Consent provided,Web,2016-09-20,Closed with non-monetary relief,Yes,No,CR2121167,3264
2016-09-20,Credit card,,Application processing delay,,"I APPLIED FOR A CREDIT CARD ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.",,Consent provided,Web,2016-09-20,Closed with explanation,Yes,Yes,CR2118390,2069
2016-09-20,Credit card,,Billing disputes,,"I lost a card issued by AAA and told them I wanted it closed. They did so and sent me a replacement card. At the same time, I had been issued a new XXXX card and decided to use it and close the AAA card account. However, I had an auto payment on the AAA card ( $ 10 monthly to the XXXX ). I assumed the XXXX would not be able to bill the new card and would contact me. However, it seems the charge was automatically switched to the new card. I regard this as an invasion of privacy by the credit card company. They had no right to switch the auto payment to the new card without notifying me. In the past I have had problems when the card was the same but the expiry date changed, because the bank would then deny auto payment to vendors. But this new system is even worse. I should have the right to switch where I make payments.",Older American,Consent provided,Web,2016-09-20,Closed with explanation,Yes,No,CR2122277,10303
2016-09-20,Credit card,,Transaction issue,,"I made a charge with my Eagle National Bank credit card on XXXX/XXXX/16 to XXXX ( XXXX XXXX XXXX XXXX ) for the amount of {$810.00} for XXXX car payments on my daughters auto loan. On XXXX/XXXX/16 I learned via XXXX and my daughter that to date the money had not been sent to XXXX. To date this has been triple confirmed with XXXX including at their corporate level. I have spent over 20 hours on the phone with Eagle National Bank since Tuesday XXXX/XXXX/16 trying to resolve this and have been practically brought to tears by XXXX of transfers, holds and complete lack of tracking my missing payment. I believe there is an issue of internal fraud. Eagle National Bank has stated that my money is in limbo and they would have it credited back by XXXX/XXXX/16. It has been over 60 days!! To date it has not been credited and the new round of phone calls I have made to Eagle National Bank this week have not led to a complete abandonment of any responsibility to do so. I have asked for proof of the electronic transaction number ( XXXX said they should absolutely have this if they made a payment ) with Eagle National Bank refusing to provide XXXX. Then today XXXX/XXXX/16 after being on hold for 2 hours and 40 minutes I was transferred to a "" XXXX '' in the "" Dispute Dept. '' who informed be that my payment went to XXXX Bank and I would need to call them to arrange a charge back. This not only was a complete new excuse given for where my missing money has gone but I nor XXXX has any affiliation to XXXX Bank!! Eagle National Bank refuses to explain how or why my payment to XXXX went to XXXX. I never ever authorized a payment to XXXX for any reason. Eagle National Bank refuses to provide any documentation. To date we have already paid interest on money that is in Limbo and late fees to XXXX for the payments I made on XXXX/XXXX/16 that I never knew were never sent to XXXX. We have since had to bring those payments current with additional payments and are now getting the most extreme case of the run around from Eagle National Bank about crediting the {$810.00} back to my credit card. I talked again today to the corporate office for XXXX that for the 3rd time combed my daughters account just to be certain the payment was not applied to her account. He verified it is not. He states he has never seen or heard of anything like this in the banking industry. He, like me suspects there is internal fraud behind my "" limbo '' payment but I can get no where by calling B of A. I have called every day since XXXX/XXXX/16 and each call results in 3 hours of holds and transfers. Please help.",Servicemember,Consent provided,Web,2016-09-20,Closed with explanation,Yes,No,CR2122711,987
2016-09-20,Credit card,,Billing disputes,,"Over {$7000.00} of fraudulent purchases were applied to my account. 
The purchases were with XXXX merchant, XXXX XXXX House. They are a mail order DVD service. I have never done business with XXXX XXXX House. 
I submitted all the information Eagle National Bank required to file a claim. 
Eagle National Bank has not credited my account. 
Worse, it is impossible to reach their Fraudulent Services department. They provide a phone number to contact them, but I have to wait hours on hold before anyone will answer the phone. When I get a representative, they tell me a supervisor is required. I am then put on hold for hours again. It seems if the system is intentionally designed to discourage and prevent cardholders from resolving fraud claims.",,Consent provided,Web,2016-09-20,Closed with monetary relief,Yes,No,CR2120614,1278
2016-09-20,Bank account or service,Checking account,Using a debit or ATM card,,"THOSE SEVERAL DEBIT ARE NOT MINE, OR I HAVE NOT AUTHORIZATION, OR NEVER USED THIS COMPANY, TO RENT O BUY MOVIE ... .I INFORM TODAY A EN Bank SUPERVISOR, XXXX TO XXXX ( fraude of {$100.00} ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX PURCHASE AUTHORIZATION XXXXXXXXXXXX {$1.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$.00} XX/XX/2016 XXXX {$1.00} XX/XX/2016 XXXX {$3.00} XX/XX/2016 XXXX XXXX {$3.00} XX/XX/2016 XXXX {$9.00} XX/XX/2016 XXXX {$9.00} XX/XX/2016 XXXX. {$20.00} XX/XX/2016 XXXX {$59.00} I NEED THAT CFPB HELP ME TO ( FORCE ) TO EN Bank RETURNED THIS AMOUNT OF $ XXXX.CONSIDERED ( FRAUDE ). TODAY I AM MAKING THE REPORT TO EN Bank ... .REPRESENTANT TOLD ME THAT WAIT UNTIL TOMORROW XX/XX/2016 IF IT OCCUR ... ..I NEED MY MONEY BACK., I APPRECIATED YOU COLLABORATION Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX SIMPLE CHECKING - XXXX",Older American,Consent provided,Web,2016-09-20,Closed with monetary relief,Yes,No,CR2120160,8667
2016-09-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,"We got a call from Eagle National Bank asking us if we have authorized ACH transfer of $ XXXX on our business account. We were informed that the account would be immediately closed and he needed to go to a Eagle National Bank branch to re-open a new account. We visited Eagle National Bank the next day to XXXX the account was still active and the funds had been released by Eagle National Bank. There was no record at the bank of any issues with the account. We filed a police report on Monday, XXXX XXXX, 2016. A new unauthorized attempt was made on XXXX/XXXX/16 for the same amount. No one from Eagle National Bank questioned the new ACH attempt and the only reason it did not go through is because of lack of funding. We did not yet have access to the account at that time so it should have been very easy to catch. This may be a case of insider threat, why could they not stop the transfer? This is extremely frustrating and devastating as a small business.",,Consent provided,Web,2016-09-21,Closed with explanation,Yes,Yes,CR2121772,3649
2016-09-20,Credit card,,Closing/Cancelling account,,THIS ACCOUNT WAS NEVER LATE AND SHOWS ON CREDIT REPORTS AS LATE AND CHARGE OFF. I CLOSED ACCOUNT ON MY OWN ACCOUNT. THIS IS EFFECTING ME GREATLY. PLEASE DELETE OR UPDATE,,Consent provided,Web,2016-09-20,Closed with non-monetary relief,Yes,No,CR2121552,6764
2016-09-20,Credit card,,Other,,,,Other,Web,2016-09-22,Closed with explanation,Yes,Yes,CR2121238,1665
2016-09-20,Credit card,,Other,,,,Other,Web,2016-09-20,Closed with explanation,Yes,No,CR2122591,3540
2016-09-20,Credit card,,Unsolicited issuance of credit card,,,,Consent not provided,Web,2016-09-20,Closed with explanation,Yes,No,CR2122085,440
2016-09-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-20,Closed with explanation,Yes,Yes,CR2122001,747
2016-09-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-20,Closed with explanation,Yes,No,CR2119423,3214
2016-09-20,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,Consent not provided,Web,2016-09-20,Closed with explanation,Yes,No,CR2121799,3349
2016-09-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"About 15 yrs ago my husband and I invested XXXX with Merrill Lynch in XXXX Ct. The advisor 's name was refered to us. We had saved our money and wanted to invest. About less than 2 months later when I called to check in on our stocks he told us that we had lost everything! We were horrified! We did go into his office and now looking back he spent about 5 minutes with us telling us well that 's the risk that you take when you invest. That he bought internet stocks at the highest amount and then it fell. Looking back we were so young and foolish. We should have pressed him for more info or ask to see paperwork. A few years ago I heard that he was known around town for not being very honorable with his clients. A few months ago while speaking to a family member who is businessman in CT mentioned that this just did not sound right. He suggested that I call up Merrill Lynch and see if I can find a paper trail. Well I did last month and they told me that they have no record of us. They searched by social security numbers, names and address. They said that they do not keep records that long ago. I explained my story and once I mentioned his name I was shut out. They told me that it was up to me to find a statement. All I want is my peace of mind that this guy did invest our money. I do n't understand why he waited for the account to become XXXX or for me to have to call him. I am asking for you to look into this for us. I am not looking to complicate things for him. I know that he is with XXXX XXXX now. I just feel that Merrill Lynch has not done their due diligence to help us. We do not want to be foolish again. Thank you for any help that you can give us.",,Consent provided,Web,2016-09-20,Closed with explanation,Yes,Yes,CR2118882,4313
2016-09-19,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank closed this account, and arbitrarily decided to keep {$4500.00} of mine. They claim the money orders deposited were 'not valid for deposit '. Eagle National Bank WAS paid by XXXX XXXX for the money orders AND they refuse to provide substitute checks, a violation of federal law.",,Consent provided,Web,2016-09-19,Closed with explanation,Yes,No,CR2120005,3865
2016-09-19,Bank account or service,Checking account,"Account opening, closing, or management",,"My Eagle National Bank checking account was overdrawn due to a charge on my account of {$36.00} from XXXX on XXXX/XXXX/2016. A subsequent overdraft fee of {$35.00} was assessed on XXXX/XXXX/16 for the charge of {$36.00}. However, an extended overdraft fee of {$35.00} was assessed on XXXX/XXXX/2016. I explained to the representative that this was not explained to me when I opened the account nor does it show in the Eagle National Bank terms. I spoke with Eagle National Bank rep XXXX on XXXX/XXXX/2016 and ask if this fee could be waived as a courtesy but she refused, only stating that an email was sent to me on XXXX/XXXX/2016 advising me that my account would be assessed an extended overdraft fee if the negative balance was not cleared up. I advised her that the only emails I was receiving from Eagle National Bank were advertisement for money management services. 
I ask to speak with a member of management to which I was connected to XXXX. I explained my situation to her as well and she in turn told me the same thing and refused to assist me. I explained that I wanted to make a deposit to clear up the account today but refused to pay an extra {$35.00} to Eagle National Bank for information that was not communicated to me.",,Consent provided,Web,2016-09-19,Closed with monetary relief,Yes,No,CR2118345,1854
2016-09-19,Credit card,,Billing disputes,,Both my wife and I have a credit card with Eagle National Bank. I logged in to pay today and noticed that both of our accounts show a different minimum payment due on the main account summary page than when I go to the make my payment screen. I have an example as well I can supply. Neither account was past due so no reason why my minimum payment should be different.,,Consent provided,Web,2016-09-19,Closed with explanation,Yes,No,CR2118594,4166
2016-09-19,Credit card,,Closing/Cancelling account,,"I have been trying to cancel a XXXX credit card from Eagle National Bank, and request annual fee refund. When I initially called, Eagle National Bank associate ensured me that my card will be cancelled, and the recently charged annual fee will be refunded. 

The card appears to be cancelled, however the balance for the annual fee still appears in my statement. 

I have attempted to call twice already, and both times the wait time exceeded 40 minutes. I tried to submit the request online, but received a message that these types of requests have to be taken care over the phone. I am calling again today, still on hold.",,Consent provided,Web,2016-09-19,Closed with monetary relief,Yes,No,CR2119247,4464
2016-09-19,Credit card,,Identity theft / Fraud / Embezzlement,,My husband and I noticed charges made to our credit card account that : 1 ). We did not make 2 ). We did not authorize 3 ). We believe is fraud,,Consent provided,Web,2016-09-19,Closed with explanation,Yes,No,CR2118122,579
2016-09-19,Credit card,,Transaction issue,,,Older American,Consent not provided,Web,2016-09-19,Closed with monetary relief,Yes,No,CR2119272,2551
2016-09-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-09-19,Closed with explanation,Yes,No,CR2118061,1630
2016-09-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Other,Web,2016-09-21,Closed with explanation,Yes,No,CR2119305,685
2016-09-18,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"I am writing on the behalf of my Grandmother 's trust account with the Eagle National Bank. I have watched over the past 6 plus years as this account has continued to climb during the good markets times, yet continually declines in interest payments. There have been absolutely no gains or increases in the payments, yet they have made significant gains. I have saved all letters and statements and have never seen such. 
I have been an RN case manager in the Medicare arena for over 8 years. Unfortunately, my father has since passed. I ca n't help but think about the fact that if he were still with us, he would now be living on less than $ 600/month from a $ XXXX trust fund. I question how many others are now struggling to survive on the trust that was set up to take care of them for life! It seems to me that the Eagle National Bank is acting in the interest of themselves, rather than the beneficiary. 
Thank you in advance for any guidance with this concern. 
XXXX XXXX",,Consent provided,Web,2016-09-18,Closed with explanation,Yes,Yes,CR2117713,4231
2016-09-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,I have reason to believe and the Eagle National Bank manager near me can prove that someone within EN is stealing from them.,Older American,Consent provided,Web,2016-09-18,Closed with explanation,Yes,No,CR2117802,3710
2016-09-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"On XXXX/XXXX/16, I received a call from a representative of Bank America. Her name was XXXX. She informed me that an unknown person in Florida had applied for and was issued a XXXX with XXXX XXXX. I did not apply for nor authorize such a card. A charge of {$2100.00} was approved. Attempted charges with XXXX in the amount of {$2800.00} was declined. My address on the record in XXXX XXXX XXXX XXXX. Why would Bank America issue a card to someone in Florida without contacting me about the different address.",Older American,Consent provided,Web,2016-09-18,Closed with explanation,Yes,No,CR2117933,989
2016-09-18,Credit card,,Late fee,,"I had previously written to the CFPB about Target with case # XXXX. At that time, I was issued late fees to my Target Red Card account despite payments. On XXXX XXXX, 2015, I made a payment to my Red Card account. Despite my payment, in XXXX, I was issued a late fee on XXXX/XXXX/2015. Then, I made another payment on XXXX/XXXX/2015 ; I was again issued an even greater late fee on XXXX/XXXX/2015. I made payments in both XXXX and XXXX 2015, but I was issued late fees in XXXX and XXXX 2015. would like these reversed immediately, including any interest charged in the months since on these disputed fees. 
The latest frustration is a further continuance of Target 's inability to work with customers who are making good faith efforts to pay their accounts off. The statements are not written until the XXXX or XXXX of each month. I have paper statements, which means I do n't received them by mail until XXXX. Then, payment is due by the XXXX of each month, giving me only about a week to receive the bill then mail out payment. My XXXX XXXX statement reflects this problem. On XXXX XXXX, there was a payment due. Target received its due payment on XXXX XXXX. Target does not offer a grace period, but assessed a late fee, despite the fact I had made a good faith effort to pay, I had paid the previous month on the XXXX, and the prior month I had paid four times the minimum payment due. I got assessed a late fee on both my XXXX and XXXX statements. I guess my problem with this is that I am being billed {$70.00} in late fees over two months despite the fact a payment was made. That {$70.00} is the same fee as if I did n't send in any payment at all. I have been double-billed late fees. I have been trying to pay down this account ( it is leess than {$100.00} due on the account ) but the problem is that Target 's late fees are so expensive, I have n't been able to simply pay off the principal balance because of these out of proportion late fees that Target simply wo n't budge on. It is why I have left Target as a consumer for good.",,Consent provided,Web,2016-09-18,Closed with explanation,Yes,Yes,CR2117824,202
2016-09-18,Credit card,,Late fee,,,,Consent not provided,Web,2016-09-18,Closed with explanation,Yes,Yes,CR2117827,2240
2016-09-18,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-09-18,Closed with monetary relief,Yes,No,CR2117907,4659
2016-09-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-09-19,Closed with monetary relief,Yes,No,CR2117753,3229
2016-09-17,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank has been a nightmare for me this month with their messed up claims depth, to all their crazy fees, and fees that do n't make sense at that. They have poor customer service, in which they do n't do enough to help or get anything resolved for you! This is my fifth complaint, and I will keeping complaining everyday till Eagle National Bank helps me get my {$200.00} stolen from my account, all the mystery fees on my account, and a {$35.00} I got today for XXXX cents taken out by XXXX, in which I did n't know because I never authorized XXXX to do that! These companies take advantage of little people like us, because I work hard for my money and ca n't afford all these smacks Eagle National Bank has given me with taking my money! I am switching banks, once I get my money back because I just ca n't trust this bank anymore. I never do any claims because it 's embarrassing and their claims process is corrupt and unjust to the customer!!! I am not so XXXX off the street! I am XXXX yrs old and never dealt with such bad service!!",Older American,Consent provided,Web,2016-09-20,Closed with monetary relief,Yes,No,CR2117382,3062
2016-09-17,Bank account or service,Checking account,Using a debit or ATM card,,"This is my fourth time I am complaining about Eagle National Bank! They have not done or helped me with the three first complaints, and they once again hit with another late fee charge for what reason?! They transferred money from my savings to cover a charge on my checking and hit me with a {$12.00} fee for the transfer are you kidding me! I rather stay - {$1.00} then {$12.00} and then they hit you with an extended over draft fee or a transacting transfer fee! This bank is a con all the way! They help themselves not their customers who keep them in business!! I call for help and no one at Eagle National Bank can help you EVER! Always excuses or we ca n't do anything or you reached a limit! Sickening!! I do n't make much money, and my father just passed away and I am bleeding money, and this bank is just taking the little bit I got left. I got hit with all the funeral and hospital expenses and I have no money due to this bank!! I also got {$200.00} stolen from my account and this bank stI 'll has returned my calls, or returned my money. They call you and you call back 10 min later nobody picks or calls back! I do n't recommend this bank to anyone!! Eagle National Bank is a con and a joke. They rob people legally and that is not right!! I work hard for all my money I make!!",Older American,Consent provided,Web,2016-09-17,Closed with monetary relief,Yes,No,CR2117614,4153
2016-09-17,Bank account or service,Checking account,Problems caused by my funds being low,,"Upon receiving a weekly programmed text message of my checking account balance, I realized my account was in the negatives and when I checked my account, I realized there was a {$35.00} overdraft fee from Eagle National Bank from a Venmo payment that was withdrawn one day prior. I called Eagle National Bank customer service to try to resolve the issue which is where I learned that I had been charged an overdraft fee twice before and never even realized or was notified of such. The customer service representative refused to reverse the charge or try to resolve the issue and when I requested to speak to a supervisor, I was told that I should be receiving a callback in 24-48 hours. I never received a call back whatsoever and it has been almost 2 weeks after this phone call. My surrounding friends and sister whom are all customers of Eagle National Bank had all admitted they had been charged overdraft fees for the same reason multiple times and had them reversed, so I was quite confused as to why I was rejected from a refund when the same exact thing happened to me. Awaiting the callback from the supervisor left me in a supreme negative amount in my bank account, which left me unable to use any form of payment until I had received my first paycheck from my first job.",,Consent provided,Web,2016-09-17,Closed with monetary relief,Yes,No,CR2117251,2354
2016-09-17,Credit card,,Billing disputes,,"Alaska XXXX XXXX auto-payment options are misleading, causing customers to choose the wrong payment option and getting charged for interests every month. When I set up the auto-pay online, the available options are : 1 ) Minimum Amount Due 2 ) Amount Due 3 ) Statement Balance 4 ) ____ ( fill in amount ). I had selected # XXXX Amount Due believing that this meant paying the full amount due and not minimum amount due. According to the bank representative, Option XXXX and XXXX are the SAME and I should have picked # XXXX instead. I had contacted customer service previously and no one had told me about this error. I noticed the continuous interest charges just this week, called the bank, and got transferred to the online unit who was nothing but useless. They insisted that this is a user error and there is nothing they can do. The written communications on the e-pay site is so misleading that it appears deliberate. This must have caused many customers to make similar mistakes and be forced to pay interests unfairly. I 'm looking for help resolving this issue as the bank representative and manager have refused to take any action.",,Consent provided,Web,2016-10-31,Closed with monetary relief,Yes,No,CR2117623,2071
2016-09-17,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I came thru drive thru at XXXX to drop off XXXX deposits before the bank closes at XXXX because its Saturday and when the worker came up to me at drive thru she did n't even acknowledge me she just opened the metal drawer and pull it back in and walked away. I do n't care if I came at XXXX technically ya 'll are still opened gor another 5 minutes so if she had a problem doing my deposits I can gladly change banks because I do n't need a worker with a XXXX face on dealing with my money. This location is Eagle National Bank XXXX XXXX XXXX, Fl XXXX. I do n't know her name but she is shortXXXX. Deal with her and how to be customer friendly because her customer service is ugly. Thank you and have a nice day.",,Consent provided,Web,2016-09-20,Closed with explanation,Yes,No,CR2117586,1281
2016-09-17,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I received a report from my ID protection service that Eagle National Bank ( Formerly XXXX ), on XX/XX/XXXX reported to the credit reporting agencies, reported by XXXX that I had filed for bankruptcy on that date and this was described as "" potentially negative information. I had been discharged under Chapter XXXX in XX/XX/XXXX and have recently restored my credit score to XXXX by XXXX credit reporting agency. I wrote to Eagle National Bank 's Chairman 's Office and they have chosen to ignore my request to have this erroneous report removed from my credit profile.",Older American,Consent provided,Web,2016-09-20,Closed with explanation,Yes,No,CR2117442,4080
2016-09-17,Credit card,,Other,,"Target card services has a probate claim against XXXX XXXX XXXX. I have asked numerous times for copies of sales receipts and payments to valadate this claim over a 2 years. These charges were made by a care giver without permission and they were unauthorized. I have had no response after sending a letters which explained the situation in XXXX XXXX. I heard nothing back until XXXX, TARGETS 3rd party for deceased processing was going to request Target withdrawal the claim for lack of any response. I week later, XXXX XXXX, I received a call from a fraud representive named XXXX. I again requested sales receipts, explaining that my mother did not make these charges. She asked me to get a police report, which I did. XXXX agreed the charges seemed to be strutured under the amount for sign sales receipts. Though she did not tell me what the amount was. Then she sent me a letter declining the claim without calling me asking if I had additional information or showing me a signed sales receipt or copy of a payment with XXXX signature. 
I sent additional evidence by fax on XXXX XXXX, XXXX. XXXX never sent any corespondence saying she received it or reviewed the evidrnce. I called last week to complain and again asked for proof she made each of these purchases or any of purchase from XXXX through XXXX. I just received another letter that says the same thing.",,Consent provided,Web,2016-09-20,Closed with explanation,Yes,No,CR2117529,175
2016-09-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-09-17,Closed with monetary relief,Yes,Yes,CR2117332,3510
2016-09-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-17,Closed with explanation,Yes,Yes,CR2117196,10209
2016-09-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-17,Closed with explanation,Yes,No,CR2117255,2920
2016-09-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-09-17,Closed with monetary relief,Yes,No,CR2117384,5404
2016-09-16,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank has charged me in excess of {$2500.00} in NSF fees in the past 12 months. Recently, they charged me {$170.00} in under 48 hours before my direct deposit came through and paid the balance well into the positive. I have filed XXXX complaints, spoke with corporate and they refuse to give back my the money they took. This new form of payday lending is outrageous. For under {$100.00} in overdraft I paid back the {$100.00} plus {$170.00}. They know that most overdrafts are under {$25.00} yet they will charge you {$35.00} four times in one day like they did to me from XXXX/XXXX/16 to my payday XXXX/XXXX/16. I waited on hold for over an hour. I asked to speak with a supervisor, again on hold. The game is to see if they can get you to give up because they know from your direct deposit that you must be at work and that 99 % of people ca n't spend an hour at work on the phone with them. 
It is high time that NSF fees be looked at as percentage of overdraft instead of a flat fee. A 48 hour loan of {$100.00} should not cost {$270.00}!!!!! Stop allowing the loan sharking!!! The only person who benefits from NSF fees are middle management and up. They do this to millions of people a year!!!! Do the math on XXXX XXXX people charged {$2000.00} per year in fees - it is crazy!!!!",,Consent provided,Web,2016-09-16,Closed with monetary relief,Yes,No,CR2116757,1465
2016-09-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,"My Eagle National Bank debit card was lost/stolen/misplaced and someone has used my debit card to complete fraudulent transactions. Eagle National Bank allowed XXXX checks to be deposited and cleared that were then realized to be counterfeit checks. ( {$580.00} x XXXX ) from a company named XXXX that I have no connection with. The checks were cleared and then the debit card was used to withdraw {$1100.00} in cash, and make large purchases at places such as XXXX and electronic stores. This counterfeit money was deposited and then taken out within an hour according to what I was told. I contacted Eagle National Bank when I realized my debit card was really lost and my online account had locked me out. Eagle National Bank told me that I am never able to have an account with them again and that I will not be receiving my valid pay check via XXXX XXXX XXXX because my account is in the negative due to the counterfeit checks reversing. I told EN that I would be filing a police report. I asked EN if they can tell me the location and time of the atm transactions. I have spoken to many people and I 'm still not 100 % Positive if the transactions took place in XXXX, Delaware, or somewhere in Pennsylvania because EN cant seem to tell. I am assuming XXXX, Delaware because XXXX XXXX XXXX is in DE, and a representative assured me there is a EN atm inside of that casino. EN is not helping me and do not seemed concerned at all that this has happened to me. My hard earned pay check was swallowed whole into a negative account due to counterfeit checks that EN can barely even verify a location. I also asked if they can locate the ATM and have survelliance pulled because it was not physically me at the ATM. They said I need to deal with the police department!!! 

terrible! no help from the company that I have been using since I XXXX for them in 2014. please help ps : Eagle National Bank security questions - someone, ( probably the same individual who had my debit card ) actually called Eagle National Bank XXXX pretending to be me and submitted a fraud claim as if they were disputing these charges, ( before I was even aware of them ) My entire wallet was stolen and Eagle National Bank asks security questions such as DOB, full name, and extra security is often a driver 's license # ( I know this from XXXX there and from the fact that ive called them multiple times today and every single time I was asked for my DL 's # which thankfully I know by heart ) Making it very easy for someone with a stolen wallet to easily by pass security!!!!!!!!!!!!!!!!!!!!! My full name drivers license and DOB are all on the ID inside of my stolen wallet, and someone is easily calling Eagle National Bank and by passing security with a breeze",,Consent provided,Web,2016-09-16,Closed with explanation,Yes,No,CR2116650,11866
2016-09-16,Bank account or service,Checking account,Problems caused by my funds being low,,"On XX/XX/2016 my checking account at Eagle National Bank had a positive balance of {$1100.00}. During the day XXXX electronic debits were presented for payment. They were in the following amounts : {$1400.00} {$33.00} {$6.00} {$.00} Rather than post the XXXX smaller amounts to my account first, which would have been covered by the positive balance, Eagle National Bank, in an effort to create Overdraft Fee Income, posted the largest item first, thereby creating an overdraft balance, them posted the remaining XXXX items. 
The result was the charging of XXXX overdraft fees of {$35.00} each rather than XXXX. 
On XX/XX/2016 another electronic debit for {$7.00} was posted and another {$35.00} overdraft fee was accessed. 

This is an egregious process. To begin with, why did they post the largest item first? Next, its unconscionable to charge {$35.00} for a sub {$10.00} electronic debit. There is no credit risk since they paid the large item and only created {$330.00} overdraft. I have been a customer of the bank for over 10 years. 
Had they returned the item, I would have only been accessed {$35.00} instead of {$170.00}!",,Consent provided,Web,2016-09-16,Closed with monetary relief,Yes,No,CR2116483,1079
2016-09-16,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX XXXX, I made a payment to a company with my Eagle National Bank debit card. A hold was placed on my account for XXXX charges and Eagle National Bank told me the other hold would drop. When the other hold dropped, my account balance did not go up. I have screenshots and printouts detailing everything. Eagle National Bank owes me {$95.00}",,Consent provided,Web,2016-09-16,Closed with explanation,Yes,Yes,CR2116066,4352
2016-09-16,Credit card,,Delinquent account,,"Eagle National Bank Card services. 
XXXX : act # XXXX and XXXX I was recently served with the summons from XXXX and XXXX for collection on Eagle National Bank behalf for the account numbers state above. 
Back in XXXX my family and I have experience financial hardship of which B of A were well aware of. I have received financial advice and was able to negotiate payments and interest rates with all of my other credit card merchant companies, but Eagle National Bank cards services refused to offer or intended to help reduce interest rates or payments on these accounts state above. My monthly payments were over $ XXXX/mo at the interest rate of over 26 % ( which is almost triple of the legally allowed interest rate for the state of CA- usury could be a good subject to bring up in court ) .. 
I attempted to negotiate with BofA regarding my situation but instead I was directed to speak with an XXXX card services ; Balance Financial XXXX XXXX and XXXX - these were for people with financial stress ; by all three of these programs whom I spent hours on the phone, all they can verbally tell me was to "" look for additional money to pay off the debt ''. This is against all debt recover programs and bail outs received by B of A, and that Eagle National Bank ignored or cared enough to participate or offer settlement relief to their clients .... There are many complaints on CFPB even a class action lawsuit due to ignorance, negligence and incompliance of Eagle National Bank which caused a lot of financial harm to many of the Eagle National Bank card holders. 
Also, do note that first date of default on these accounts was XXXX of XXXX after my numerous attempts and requests for lowering interest rates and payment reductions to you. I have supporting documentation that I would be happy to include in discoveries to be presented to the judge. 
Eagle National Bank is reporting these accounts as "" charged off '' but yet you are demanding a FULL payment on the accounts you have charged off/wrote off your books and have received tax benefits from ... 
Recent attempt to settle these accounts with Eagle National Bank have directed me to contact XXXX and XXXX. When negotiating a settlement with XXXX and XXXX I was told that they would have to get approval from Eagle National Bank before they can accept anything less than a full balance. And earlier this year I have received a collection letter from XXXX and Company ( attached ) as an attempt to collect on behalf of Eagle National Bank for the same accounts stated above. Also, At this point I 'm left questioning WHO is the legal owner of this debt? And why Eagle National Bank is stating I need to settle with XXXX and XXXX, who in turn state they need to have settlement approved by Eagle National Bank. And WHY am I served with judgement when I have attempted to settle this debt on numerous occasions ... .I have never refused to repay but B of A rejected all my payments, charged off the accounts, sent me XXXX then now I 'm being served for judgment to pay these charged off accounts and being contacted from a collection company on the same accounts. This is abuse! please help me stop this!",Servicemember,Consent provided,Web,2016-09-16,Closed with explanation,Yes,No,CR2116845,1522
2016-09-16,Credit card,,Closing/Cancelling account,,"I have a credit card with Eagle National Bank and due to charges I thought were fraudulent requested they change my credit card number which they did. At a point after that, I had called the company onstar and requested they cancel my account which they did not do and charged my account several more times. I found it odd that they were able too get those charges through since the card number they had was the old XXXX and called Eagle National Bank and asked them to cancel my credit card which they said they did. I have had several more charges go through from other companies even after cancelling my card because Eagle National Bank says they saw them as revolving charges and they always let them go through and that I have to contact all the companies and cancel those myself. I told them that I always refuse revolving accounts and no company has my approval and that I want no more charges from any company to go through and they said they can not do that. They told me if any charges from any company I have done business with in the past comes in they will pay it and I will have to contact all the companies to cancel. I told them I do not know what companies to contact because I have not given anyone permission to do a revolving account and want the bank to stop paying them but they have refused to completely close my account and stop letting such charges come through. Eagle National Bank says I will just have to keep getting and checking statements and deal with each company as they come through because they do not stop taking those type charges until a certain period of time of inactivity has occurred. When I asked what is the length of time, they said it is not a specific amount of time. I closed the account 8 months ago and they still let XXXX recent charges go through 8 months later. I want the account closed completely with any and all charges blocked. It should not be legal that I can not completely cancel a credit card, and that I have to worry about still checking statements for some unspecified period of time before the bank finally stops letting charges go through on a closed account. Consumers can not know what companies will be charging the account in order to call them prior to them charging the account if the companies are doing so without approval, so canceling the card should stop that, but not with Eagle National Bank. Also, it should not be legal that charges can go through when a company submits a charge on an old card number and they do not have the new card number, but not at Eagle National Bank.",,Consent provided,Web,2016-09-16,Closed with monetary relief,Yes,No,CR2116842,3877
2016-09-16,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a EN Premier checking account on XXXX XXXX, 2016, using a special web page offer for a bonus of {$300.00}. I have complied with all of the terms of the offer : I am a new personal checking customer, and I have had a cumulative direct deposit of {$2500.00} or more within 60 days of the account opening. The bonus should have posted within 95 days of account opening, which is today, XXXX XXXX, 2016. It has not posted.",,Consent provided,Web,2016-09-16,Closed with monetary relief,Yes,No,CR2117202,4454
2016-09-16,Credit card,,Billing statement,,"My Nordstrom card did n't process my payment. 
I got a payment return notice, the bank said there was not a transaction on the date given to me by Nordstrom.",,Consent provided,Web,2016-09-16,Closed with explanation,Yes,No,CR2116006,4145
2016-09-16,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-09-16,Closed with monetary relief,Yes,Yes,CR2116085,4367
2016-09-16,Credit card,,Unsolicited issuance of credit card,,,,Consent not provided,Web,2016-09-16,Closed with explanation,Yes,No,CR2113285,9226
2016-09-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-16,Closed with explanation,Yes,Yes,CR2116490,4478
2016-09-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-16,Closed with monetary relief,Yes,No,CR2116594,1165
2016-09-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-09-16,Closed with monetary relief,Yes,No,CR2116471,9428
2016-09-15,Bank account or service,Checking account,Using a debit or ATM card,,"I am so disappointed in Eagle National Bank, and their ways on charging hard working people like myself, and that lives check to check with all these hidden and ridiculous fees! I did n't notice I overdrafted my cheking account, so my savings covered the overdraft cause I have them linked, and does n't Eagle National Bank truly charge me {$12.00} for an overdraft transfer!! Wait what!!! For that I would of left my account overdrawn by XXXX cents instead of this sneaky stuff they are doing! This Is sad that you trust your bank with your hard earned money, and they just rip you from every angle. If I had thousands or millions I would n't mind a bit, but the rip the little guy, and not the big guy with all the money!! These banks have to accountable for their wrongs too, and to loyal customers!! I also started a claim when my wallet got stolen and {$200.00} were taken out without any of my knowledge or authorization, and they just proceeded to dismiss my claim and not pay me back my stolen money!! I will never recommend this bank to anyone, cause they do n't help you out at all. Only themselves!! I just lost my dad on XXXX and my financial situation is bad with all my dad 's funeral expenses!! I would n't recommend Eagle National Bank and all their hidden and unjust fees and they do n't help their customers out in any way!!",Older American,Consent provided,Web,2016-09-16,Closed with monetary relief,Yes,No,CR2113886,1737
2016-09-15,Bank account or service,Checking account,"Account opening, closing, or management",,"I was n't paying attend to the check book I wrote on XXXX I had it was a old account i went to the deposit machine in put the wrong check in by mistake cause the check book was in the same place as the new ones.This is a very problem to my business i need this handle in a timely matter. 
It was a mistake I can prove it, 'I will like to handle this without a lawyer",Servicemember,Consent provided,Web,2016-09-19,Closed with explanation,Yes,No,CR2112455,3983
2016-09-15,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I went to XXXX on a mini-vacation. While there, I attended XXXX and one night, I lost, or someone stole, my debit card and made purchases totaling {$2600.00} at various Walmarts and gas stations, the following morning. It took me a few days to realize the card was missing as I was using my XXXX XXXX. When I did, I filed XXXX claims with Eagle National Bank, they are : # XXXX & # XXXX. XXXX is for a {$400.00} ATM withdrawal and the other is for {$2200.00} in bogus charges ( such as XXXX {$970.00} and XXXX {$290.00} charge at XXXX ). Eagle National Bank has handled my claims extremely poorly. They at first refunded me the money and later on with no contact whatsoever they took it all back ( not once warning me that this was possible ), leaving me with $ -XXXX in my account. I have since been charged over XXXX in fees because of this. Since then, I have been trying to prove that I in NO way authorized these charges and that my debit card and cell phone had been taken and used without my consent. They have been extremely unhelpful and I question their integrity. I have been at EN since 2013 and have been pretty consistent with my banking and ( almost always ) on time with my payments. If you try to fully understand the details of the situation and what occurred, as well as what I was thinking, and the circumstances surrounding the situation ( the timeline ), the non- legitimacy of the charges become apparent. The fact that as of now, I have lost all of my savings and owe {$500.00} ( plus my EN credit card bill ), while having to pay my {$1000.00} on my XXXX bill, is very unfair. Talking about the specific charges, I went ahead and filed police reports. These are with the XXXX PD. For lost property, this includes the debit card and phone : XXXX and for CC Fraud : XXXX, this includes all fraudulent charges ( including {$400.00} ATM withdrawal ). Eagle National Bank has twice denied my claim ... with no communication on their end as to why. They have not contacted the police and have done very little research on the charges or the facts. This is almost all of my money and it is extremely stressful and unfair. Please help put pressure on Eagle National Bank. This is theft.",,Consent provided,Web,2016-09-15,Closed with monetary relief,Yes,No,CR2110779,3957
2016-09-15,Bank account or service,Savings account,"Account opening, closing, or management",,"On XX/XX/2016 at XXXX I spoke with a representative at Eagle National Bank regarding a charge on my savings account she then informed me that XX/XX/2016 I was given a courtesy XXXX month {$5.00} fee waiver as my account had change that I will be charged a monthly service fee of {$5.00} if I did not transfer {$25.00} every month or maintain a minimum balance of {$300.00} in my account. XX/XX/2016 I did contact Eagle National Bank to inquire of a charge on my savings account I was informed that if I conducted more than XXXX transactions within a billing statement I would be charged a service fee. I was not told at that time that my account will be getting a six-month waiver fee as my account would start being charged {$5.00} a monthly service fee if I did not again transfer {$25.00} to my savings account from my checking or maintain a minimum balance of {$300.00} in my checking account. On XX/XX/2016 I went ahead and also closed my savings account I also stated that I will be going into the bank the following day to close out my checking account as well. I have been a long-standing member of with Eagle National Bank and for a company to change its policies on its consumers without notifying them is wrong and also unprofessional. A savings account should not have fees or conditions as its name is stated clearly as what it 's for savings, not being charged a monthly fee because I am not transferring a certain amount of dollar or maintaining a certain amount of dollar in that account.",,Consent provided,Web,2016-09-19,Closed with monetary relief,Yes,No,CR2115061,2837
2016-09-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"On XXXX/XXXX/2016, a local merchant posted a refund to my credit card account with Eagle National Bank in the amount of {$1500.00}. As of XXXX/XXXX/2016, the credit has not been posted to my account and Eagle National Bank refuses to tell me why. On XXXX/XXXX/2016, XXXX posted a refund to the same account for merchandise I returned. As of XXXX/XXXX/2016, the credit has not been posted to my account and Eagle National Bank refuses to discuss it. 
It is clear that Eagle National Bank is delaying the posting of credits to my account in order to artificially inflate my balance and charge me excessive interest.",,Consent provided,Web,2016-09-15,Closed with monetary relief,Yes,Yes,CR2113201,2768
2016-09-15,Bank account or service,Checking account,Using a debit or ATM card,,"RE : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX / Eagle National Bank Topic : Eagle National Bank responded in a satisfactory manner. 
Complaint : The former executor, XXXX XXXX XXXX, withdrew funds via an ATM Card and checks - beginning with the date of XXXX XXXX XXXX 's death - from Eagle National Bank Account # XXXX. 
However : Eagle National Bank was not notified by the Civil Service Annuity regarding XXXX XXXX XXXX 's death until XXXX/XXXX/2013. The former Executor, XXXX XXXX XXXX, also did not notify Eagle National Bank ( for her own reasons ). Additionally, Eagle National Bank requires a copy of the death certificate - Eagle National Bank did not receive a copy of the death certificate until XXXX XXXX, 2013. Upon receipt thereof, Eagle National Bank did close the account. 
Result : Issue resolved. We will continue to work with Eagle National Bank and the Civil Service Annuity Department to assure that their policies will be reviewed. Furthermore, Eagle National Bank will file a claim on behalf of the Estate for the ATM withdrawals and checks. 
For reference, please see XXXX Thank you. 
XXXX XXXX XXXX, Administrator with Full Authority, Estate of XXXX XXXX XXXX",,Consent provided,Web,2016-09-15,Closed with explanation,Yes,Yes,CR2111265,4753
2016-09-15,Credit card,,Billing disputes,,File a complaint Credit reporting Filing against BofA I XXXX has had a credit card with Eagle National Bank. I opened the card in 2003. I was given with a XXXX limit and have never been late on one payment. In fact the card has sat dormant for some time. There was a recent fraudulent charge from XXXX {$5.00} I have never used this card for XXXX in fact this card was not used for more than 6month prior to this charge. Because the account was dormant I did not pay attention to the bill as it should have had a XXXX balance if not for the When I did notice the charge Eagle National Bank refused to remove it because it was over 60 days. I value my credit and tried calling to resolve this issue and got no cooperation in this matter I was forced to pay the now {$13.00} dollar bill due to late fee and was told that I could not dispute it because it was more than 30 days past due. The charges are not mine and I would like this removed from my credit immediately.,,Consent provided,Web,2016-09-15,Closed with monetary relief,Yes,No,CR2113159,107
2016-09-15,Credit card,,Late fee,,"I am a trans* person who had a credit card with BofA. My BofA checking/savings ( c/s ) acccount had overdraft protection on it, linked to this card. I had my name and gender legally changed prior to a move in early 2014 and I closed my BofA ( c/s ) account shortly after moving to the new address. I then zeroed out my credit card ( cc ) by paying it down in XXXX lump sum, then cut it up. I opened another c/s account at a credit union before closing my BofA c/s account. 
A few months later, I get a forwarded letter from my old address from the BofA cc account and it has accrued late charges totaling something like XXXX dollars. I called them to ask what the charges were for and they would not speak to me because I told them my legal name, despite telling them that I have a legal document that would prove my identity. Not only that, the c/s account was grandfathered and referred to me by a nickname, not my birth name, so there was yet another name in the mix. I then tried the website to see if I could bring up the account, but did not ever set up online account access with them and could not now do so without falsifying information. 
I wrote a message from within the website help and they told me that I would have to call. I called again, only to be told that I am not the account holder, so I may not access the account. Two years later, I can not open a bank account now, thanks to this outstanding debt. I called BofA again last week and they told me that it is out of their hands because they already sold the debt to a collection agency and settlement is not possible, even though they are now willing to admit that I am the original account holder. 
I do n't believe that this debt is justified in the first place, since it is, according to BofA, stemming from an overdraft protection service charge. That 's what? {$10.00} - XXXX a month? And they informed me that the debt sold was over {$600.00}. 
I believe that BofA should allow me to settle for the original debt of {$10.00} - XXXX as my original creditor and waive the insane fees they tacked on. I tried to close everything properly, but perhaps should have closed the account before changing my name. The hard part is that I would n't have been able to open a new account until the name and gender change process was complete and I would have been without direct deposit, checks, debit, PayPal, and credit until I had my official papers in-hand. Even so, my paperwork from my grandfathered account from the BofA in Texas, that has a nickname instead of my then-legal name, would have made the process difficult, as it would have required someone who is American* or knows about American nicknames to think. 

*I say American, because people from XXXX are more likely to understand that nicknames like "" XXXX '' are derived from "" XXXX '' or "" XXXX '' or "" XXXX '' from "" XXXX '' or even more obscure nicknames that are given to children by their parents and stick, like "" XXXX '' instead of "" XXXX XXXX ''",,Consent provided,Web,2016-09-15,Closed with explanation,Yes,No,CR2113522,2353
2016-09-15,Bank account or service,Checking account,"Account opening, closing, or management",,"As per the included statements I emptied and closed my account ( # XXXX ) with Eagle National Bank on the XXXX of XXXX 2016 in response to their inability to provide competent service. 
At that time I demanded that the account be closed immediately and was assured by the branch manager on site and the attending teller that this was the case. 
Post closing of the account I am being advised by Eagle National Bank that there are charges against this account pertaining to the US-XXXX exchange differential. This check was deposited on XXXX XXXX 2016 in the amount of XXXX. 
This deposit was made, as I have always understood to be done, with and exchange rate differentials being applied at the time of deposit otherwise the transient exchange rate would not be applicable do to the variance over the deposit process interval. 
I believe this to be a clear demonstration of the gross incompetence of the this branch and possibly Eagle National Bank in general. 
I spoke at length with the Eagle National Bank Overdraft Collections Department ( XXXX ) who advised me that the problem originates with the Eagle National Bank branch I dealt with and that resolution attempts must be directed to this branch. I withdrew all funds and closed my Eagle National Bank account because of the incompetency of the people in that branch and the failure of their administration to recognize the problem. As such I see no reason to believe the people at this branch are any more competent now than they were XXXX/2016 when I closed the account and contacting them would be futile. 
For what it is worth the exchange rate on the day of deposit was approximately XXXX US/XXXX. . This is not accurately represented by the {$2400.00} depicted in the statement again providing an indication of the incompetency of this institution. 
It is and always has been my understanding that when an account is closed it is no longer subject to any further transactions. 
I seek your assistance in this matter and will refrain from any contact with Eagle National Bank until I hear from you. 

Thank You, XXXX XXXX",Older American,Consent provided,Web,2016-09-15,Closed with monetary relief,Yes,No,CR2113560,1969
2016-09-15,Bank account or service,Savings account,Deposits and withdrawals,,"On XXXX XXXX, 2016 deposited XXXX XXXX into our acct. @ Eagle National Bank in the amt. of US {$5400.00}. On XXXX XXXX, 2016, noticed my acct. at Eagle National Bank was debited in the same amt. To date no response after calling several times from either XXXX ( NY ) Branch Mgr., XXXX , or regional supervisor, XXXX XXXX XXXX What to do?. This is plain and simple : XXXX of my funds with no explanation.",,Consent provided,Web,2016-09-15,Closed with non-monetary relief,Yes,Yes,CR2114023,457
2016-09-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank branch representatives incorrectly characterized my IRA accounts as being funded with "" rollovers '' instead of "" direct rollover/direct transfer ''. In effect a XXXX was sent as a distribution and I suffered adverse tax consequences. In addition, XXXX XXXX (? ) the representative in the XXXX XXXX branch of XXXX, NJ did my paperwork incorrectly. I observed that she wrote my social security number on paperwork and left it in an unlocked desk drawer. XXXX XXXX took XXXX-120 minutes to complete the deposits, which she then called hours later to indicate were incomplete. Her message states that she needed additional signatures from me. I was not given a receipt, and she did not assist in correcting the character of the IRA funding source. My funding checks were left at the branch and I have no receipts or funds deposited although there is a 60 day limit to complete these transactions. When I called the branch this morning in response to her message requesting signatures, I spoke w/ her colleague XXXX who said she would look into the matter and return my call. Over two hours later, XXXX called me back and was verbally aggressive right off the bat demanding I come in to sign forms. She said she could not securely email forms to me, then she got angry when I asked to speak w/ the manager. She lied and said there was no manager on duty. When I asked for his name she told me XXXX XXXX then she was belligerent and asked me, "" Yo, what 's your problem? '' I was astonished at this reaction, since I had not raised my voice or spoken tersely with XXXX. I asked her to put a manager on the phone and she hung up on me. XXXX failed to correctly explain the differences in rollover types, I believe she completed my applications incorrectly. In addition, my personal information was unsecure and I believe mishandled as she had various printouts and multiple branch employees assist with retrieving them from the printer. Finally, I was mishandled from a customer service aspect and I do n't want to do business with Eagle National Bank in effect. I am extremely concerned about the damages I suffered from my accounts being misapplied and am considering seeking recourse.",,Consent provided,Web,2016-09-15,Closed with explanation,Yes,No,CR2113283,1599
2016-09-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,"The IRS has been direct-debiting from Eagle National Bank, monthly, since XX/XX/XXXX/XX/XX/XXXX. 
Over the past few months, I have been moving from Eagle National Bank to a local SC bank where I can have a joint account with my brother ; our sister ( who is XXXX ) is moving from XXXX to XXXX. I will be her care giver ; my brother has power of attorney and is in control of her financial support ; we have a joint account to facilitate setting up housekeeping, etc. 
In XX/XX/XXXX, I notified all of the companies that have a direct debit arrangement with me of the change in banks, effective XX/XX/XXXX. I also called the IRS to cancel the direct debit and to start paying online. Because the arranged payment date was 10-14 days away, the IRS person suggested that I keep the current direct debit arrangement ( at Eagle National Bank ) for the XX/XX/XXXX payment and start paying online in XX/XX/XXXX. I agreed and said I would keep a bit more than enough in the Eagle National Bank account, would watch for the payment to clear, and only then would I close the account. 
On XXXX XXXX, XXXX, I began watching Eagle National Bank for the IRS payment. Monday, XXXX XXXX, was a bank holiday. On the morning of XXXX XXXX, the Eagle National Bank online system showed the IRS payment was "" pending ; '' ... the only payment pending ; my bank balance was {$420.00}. I expected the IRS payment to go from "" pending '' to post as "" paid. '' On the afternoon of XXXX XXXX, the Eagle National Bank online system showed the IRS payment "" pending '' as well as a {$190.00} student loan payment "" pending '' and a projected balance of - {$160.00} in the account. The student loan company had failed to make the change in bank information. I called Eagle National Bank and asked to stop/refuse payment on the student loan request. They would not stop or refuse the payment because both the IRS and the student loan payments were "" pending '' and "" could not be stopped '' : "" Both are going to be paid and since you are now overdrawn, there will be an additional {$35.00} charge for the overdraft. '' I made it very clear that the IRS payment was most important ; I was assured by the branch manager via the customer service person that the IRS payment "" would be paid. '' XXXX XXXX, another direct debit ( also an error in banking info due to my account being transferred to another agent ) appeared as "" pending '' of {$170.00} ; the IRS and student loan payments were no longer in a "" pending '' status but were posted as paid. The available balance ( which included 'pending ' debits ) showed as - {$340.00}. I was unable to secure reversals or timely refunds from those companies. 
On XXXX XXXX, according to the online system, Eagle National Bank had reversed the payment requested by the IRS ( after it had been posted as "" paid '' ), had rearranged the timing and order of all three drafts, and had honored the other two payments. ( By the way, although this resulted in a positive balance on the account, Eagle National Bank still charged me an overdraft fee of {$35.00}, which takes me back into the red. ) I am filing a complaint against Eagle National Bank for ( 1 ) denying me the right to stop payment to the student loan company even though that payment was unauthorized, saying "" pending payments can not be stopped or reversed ; '' ( 2 ) manipulating the timing and the order of drafts ( after the drafts had been posted as 'paid ' ), reversing the one payment of greatest concern to me ( and I had made sure the bank personnel knew which payment was of greatest concern to me and why ) ; and ( 3 ) charging me with an overdraft fee which I do not owe, especially after they manipulated the timing and order of drafts. 
I gave the IRS my word ; I acted proactively with all companies concerned, as well as the Federal Government, to ensure they had the correct banking information. I believe I handled these issues in the best possible manner.",,Consent provided,Web,2016-09-15,Closed with monetary relief,Yes,Yes,CR2112505,2336
2016-09-15,Bank account or service,Checking account,Problems caused by my funds being low,,"This has actually happened several times to me at EN Bank. The bank lets you make a deposit in cash via the ATM. A lot of the times the ATM at several locations will not take a deposit, or shut down at a certain time of the day, almost strategically in order to obtain an overdraft fee. On Wednesday night after work at XXXX I went to deposit money into my account because I knew a payment would be deducted the next day, low and behold the ATM did not work at XXXX XXXX. I went to an alternate location in the downtown area of my city on XXXX XXXX XXXX and the same thing happened. I went home and looked at my account and went to sleep.It had n't been on overdraft status yet. Upon waking at XXXX I realized I needed to make this deposit so I went to the bank again, and the machine on XXXX XXXX was STILL not letting me make a deposit. I then decided to drive XXXX minutes away to another location on XXXX XXXX XXXX. This time it took my money but only to also reveal that it had indeed placed an overdraft on my account. The system seems as if it is set up to potentially harm consumers and wait for any fees they may collect before they actually let you make a deposit. This has happened in the past and I just thought it might be worth looking into.",,Consent provided,Web,2016-09-15,Closed with monetary relief,Yes,No,CR2114706,11405
2016-09-15,Bank account or service,Checking account,Deposits and withdrawals,,"While I was incarcerated between XXXX my neighbor deceided to steal XXXX from my EN checking account The check dated XXXX/XXXXXX/XX/XXXX was written to XXXX XXXX and signed by ( me ) XXXX XXXX ( and was cashed in her XXXX XXXX account ) But I could not have signed I was in jail and XXXX did not have a power of attorney. 
I reported this to Eagle National Bank when I was paroled, and in XXXX 2014 I contacted EN to obtain a copy of this check I never gave XXXX permission to do this. 
EN refuses to prosecute XXXX and return the money, there response was "" I had 30 days to make an inquiry or lose it '' EN was shown proof that I could not have known, but I have a letter from Investigator XXXX stating this. 
So I 'm out of the money",Older American,Consent provided,Web,2016-09-15,Closed with explanation,Yes,No,CR2114033,4769
2016-09-15,Credit card,,Billing disputes,,"I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.",,Consent provided,Web,2016-09-15,Closed with explanation,Yes,No,CR2115237,3171
2016-09-15,Credit card,,Other,,"This is about my Target Credit Card. In XXXX of this year, I made a payment on my Target card with my checking account. The payment was returned by bank, It was a mistake by my bank. In XXXX I made my Target payment in the store with cash. A week or so went by and the payment was not posted. I called Target credit and inquired as to why.my payment was not reflected. I was told that since my XXXX payment had been returned, they were holding my XXXX payment for 12-15 days. I asked why as the payment was cash. I never did get an answer. I then made my XXXX payment in the store with my debit card ( also a cash transaction ) and again my payment did not show up. I called and was told that since my XXXX payment had been returned, no matter how I make my payment for the next 6 months, it will be held for 12 to 15 before posting. I asked when was this policy made and why did Target not inform it 's customers of this change. The representative told me we do not have to mail you any thing, now you know and hung up on me",,Consent provided,Web,2016-09-15,Closed with explanation,Yes,Yes,CR2113551,1797
2016-09-15,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-09-15,Closed with monetary relief,Yes,Yes,CR2113344,4684
2016-09-15,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-09-16,Closed with explanation,Yes,No,CR2115233,4750
2016-09-15,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-09-15,Closed with explanation,Yes,No,CR2113423,526
2016-09-15,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-09-15,Closed with monetary relief,Yes,No,CR2115009,2926
2016-09-14,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,"{$3000.00} worth of CD 's purchased at Eagle National Bank in 2005. We have the certificates and the receipt showing the transaction. EN now says they ca n't redeem them because they purge their records, and this money must have been sent as Abandoned Property to the state of Florida. Contacted the fltreasurehunt.org, both online and by phone. They have nothing under either our son 's name or mine ( custodian, as son was a minor ). Called the FDIC, who instructed me to contact you. NOTE : When he turned XXXX, XXXX legally changed his name to XXXX XXXX XXXX. We searched the florida abandoned property under both names, as well as mine.",,Consent provided,Web,2016-09-14,Closed with explanation,Yes,No,CR2111604,11710
2016-09-14,Bank account or service,Checking account,Deposits and withdrawals,,"Due to an error in paperwork with my city of residence, Eagle National Bank was served a legal notice to have nearly {$120.00} dollars debited from my account, which it followed through on. Eagle National Bank then charged an additional {$120.00} non-refundable fee. Even though this transaction was the result of an error, it is not the city 's responsibility to refund the {$120.00} fee that Eagle National Bank received -- an exorbitant amount that the city will not agree to, as it is more than the amount they originally sought. Eagle National Bank representatives reminded me that the {$120.00} is non-refundable because of the amount of work it takes to process anything legal, but the fee is excessively high and I am left paying for the city 's error and Eagle National Bank 's avariciousness.",,Consent provided,Web,2016-09-14,Closed with monetary relief,Yes,No,CR2111125,9721
2016-09-14,Bank account or service,Checking account,Problems caused by my funds being low,,"The bank deducted over draft fees when the money was in there to cover the checks that came thru. 
They had the nerve to prdate the fees to when the check actually came in. 
This is more than deceitful but crocked!! 
I wonder just how may people they do this to every day??",Older American,Consent provided,Web,2016-09-14,Closed with explanation,Yes,No,CR2111499,4167
2016-09-14,Bank account or service,Checking account,"Account opening, closing, or management",,"The Eagle National Bank, XXXX Missouri, charged to my checking banking account a fee for image of a check. For which I did not request and or authorize. This matter was raised recently with Eagle National Bank. Again the same fee. Today, Eagle National Bank, could not provide what employee of Eagle National Bank made this decision without my request and or authorization.",Older American,Consent provided,Web,2016-09-14,Closed with monetary relief,Yes,No,CR2113065,2963
2016-09-14,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"This is a tale of a merchant account set up by Eagle National Bank ( BAC ) without my permission and without any due diligence. 
On XXXX/XXXX/XXXX, I received from XXXX a package that contained a merchant account data input device that was sent from Eagle National Bank. My wife also received a voicemail message from XXXX at BAC, XXXX XXXX XXXX XXXX, asking about some charges against the merchant account in the amount of approximately {$10000.00}. 
On XXXX/XXXX/XXXX, XXXX called me on my cell phone and asked about charges on a merchant account. She said the account was opened in my name with my social security number ( SSN ). I told her that I did not open the account so she said she would close the account. 
I immediately checked my credit reports for XXXX through a XXXX online query. None of the XXXX agencies had a record of a recent request for credit. 
In a later call to BAC, I obtained the merchant account number : XXXXXXXXXXXX. 
I filed a report with the local XXXX ( XXXX ) Police Department ( XXXX ) on XXXX/XXXX/XXXX. The XXXX kept the shipment from XXXX including the data input device as evidence. 
On XXXX/XXXX/XXXX, I received a call from XXXX XXXX, reportedly from XXXX XXXX XXXX XXXX My cell phone said the call came from ( XXXX ) XXXX. She said she was making a credit claim as a credit collection service for XXXX XXXX XXXX in the amount of {$1900.00} against the aforementioned merchant ID account number XXXXXXXXXXXX. She gave me a reference ID number YYYYYYYY and a direct line phone number to call her back ( XXXX XXXX XXXX. I told her that the account had been closed by BAC last year ( as described above ). 
I called XXXX to discuss the status of this and spoke w/ Nativa at BAC mobile support, ( XXXX ) XXXX. She said that the merchant account was closed and that the call was a phishing call and that I should ignore it. I asked her to send me a letter or an email to confirm what she said and she said that she could not do that. 
I have not called XXXX XXXX to follow up on their claim. 
I have been damaged by the reckless manner in which BAC opened the merchant account without due diligence and I continue to be harassed by other parties as a result of their gross negligence.","Older American, Servicemember",Consent provided,Web,2016-09-14,Closed with explanation,Yes,Yes,CR2112684,1082
2016-09-14,Credit card,,Billing disputes,,I disputed a charge with XXXX and EN never responded to my concerns despite repeated requests,,Consent provided,Web,2016-09-14,Closed with monetary relief,Yes,No,CR2113064,2315
2016-09-14,Credit card,,Billing disputes,,"i have opened credit line with EN since XXXX/XXXX/15 ... i told them my only income is SS. i requested to have the payment pulled on the XXXX of sach month when i receivsd the benefits. today i studied the statement and found out i have been paying late a d thou charged XXXX dollars each time. 
i found it is unfair. i was not instructed that paYment would be always late. i requested by pho e to have these charges waived. it is not possible i was told. please help me. for i have also been harmed on my credkt report.",,Consent provided,Web,2016-09-14,Closed with monetary relief,Yes,No,CR2109487,4303
2016-09-14,Credit card,,Billing disputes,,I have XXXX credit cards with Eagle National Bank. They do n't have my account statements for everything that I owe. I believe banks are supposed to have statements of everything I owe. They said they could only go up I believe 7 years but beyond that they do n't have a record. If this is the case I dont believe they are allowed to charge me for prior the 7 years.,,Consent provided,Web,2016-09-14,Closed with explanation,Yes,Yes,CR2111333,3713
2016-09-14,Bank account or service,Checking account,Deposits and withdrawals,,"On XX/XX/XXXX, I put a stop-payment order on a check I wrote. The fee I paid for this service was {$30.00}. Then on XX/XX/XXXX, the check was deposited by the recipient of the check, and my bank paid it from funds in my account. There are XXXX problems with this. First, I paid to cancel the check and the bank did not honor that order. ( I was later told the stop-payment order expired after a year, but I was never informed of this. If I knew, I could have renewed the order. ) Second, the bank accepted a stale check 17 months after it was written.",,Consent provided,Web,2016-09-14,Closed with monetary relief,Yes,No,CR2109089,4449
2016-09-14,Bank account or service,Checking account,Deposits and withdrawals,,"This complaint goes in hand with Complaint # XXXX filed XXXX XXXX. Yesterday I made a deposit in order to ensure no overdrafts occured on my account. Last night when they posted, they posted the DEBITS first ( reason to assess an OD Fee ) and posted the credit last. I truly am convinced they are in the business of fee collections from their customers.",,Consent provided,Web,2016-09-14,Closed with explanation,Yes,Yes,CR2112765,808
2016-09-14,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-09-14,Closed with monetary relief,Yes,No,CR2109496,4511
2016-09-14,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-09-14,Closed with explanation,Yes,No,CR2112863,6798
2016-09-14,Credit card,,Unsolicited issuance of credit card,,,,Consent not provided,Web,2016-09-14,Closed with explanation,Yes,No,CR2112656,2827
2016-09-14,Credit card,,Unsolicited issuance of credit card,,,,Consent not provided,Web,2016-09-14,Closed with non-monetary relief,Yes,No,CR2112311,2587
2016-09-14,Credit card,,Late fee,,,,Consent not provided,Web,2016-09-14,Closed with monetary relief,Yes,No,CR2111819,534
2016-09-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-09-14,Closed with explanation,Yes,Yes,CR2112883,3833
2016-09-14,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-10-21,Closed with explanation,Yes,Yes,CR2111858,1540
2016-09-14,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-09-14,Closed with explanation,Yes,No,CR2113081,1116
2016-09-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-14,Closed with non-monetary relief,Yes,No,CR2110076,4569
2016-09-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-14,Closed with non-monetary relief,Yes,No,CR2112396,25
2016-09-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,Account showing from Eagle National Bank which does not exist and they are reporting {$420.00} Charge off to XXXX Originated in 2007.,,Consent provided,Web,2016-09-13,Closed with explanation,Yes,No,CR2110159,1612
2016-09-13,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a small business checking account in 2015 with Eagle National Bank because they offered a {$100.00} signup bonus ( with qualifying deposit ). I made the deposit and did not receive the promotion, so I called in and was told I had earned the offer but it was likely still pending. I waited but still did not receive the offer. When I called in again, they said I did not have the promotion on my account and had no record of my previous call, or of the initial call when I opened my account. Despite presenting them with online evidence that the offer had been active when I opened my account, they refused to fulfill the promotion.",,Consent provided,Web,2016-09-15,Closed with monetary relief,Yes,No,CR2110671,2493
2016-09-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I was banking with Eagle National Bank a few months ago and I lost all of my banking information. I have all of my banking information written down so that I wo n't forget it. It was the last week of XXXX and the last transaction I made with my card was on Monday XXXX, XXXX. I did n't know that I lost my information until that Wednesday XXXX, XXXX. When I was unable to log into my mobile app I contacted the bank and I was told that my atm was reported lost. I know that I did n't report my card lost because I did n't realize it was lost until the day I contacted the bank. As the weeks progressed I started to receive documents from Eagle National Bank of bogus checks that someone tried to deposit into my account. Once again I know that I did n't authorize these transactions and also my signature was forged onto the checks. I tried to file a claim with the Bank and I informed them that I lost all of my information, and my claim was denied because whoever used my information did it through the mobile app, so it looks as though I self compromised my account which I did not. Due to this incident I am having an extremely hard time opening up a new bank account due to some else using my information. I really would like to get this resolved or removed somehow because as I 've stated previously I was not aware that I lost my information until I was unable to log into my mobile app and I started received all these different documents and things to my house.",,Consent provided,Web,2016-09-13,Closed with explanation,Yes,No,CR2110096,3618
2016-09-13,Bank account or service,Checking account,Deposits and withdrawals,,"We filed a claim the other day due to the way we were treated by Eagle National Bank when my brother and I went to obtain our money as POD 's on our dads account. That is case # XXXX. Today I received a call from XXXX XXXX at Eagle National Bank, phone # XXXX ext XXXX to try to resolve the cfpb claim. XXXX XXXX did n't know my dad 's name, account #, dob, or SS #. She asked that I give her the information to which I refused. This adds insult to injury that Eagle National Bank would have the audacity to call me with the intent of resolving a claim through cfpb without having researched the claim or the need for the complaint. In am infuriated and insulted.",,Consent provided,Web,2016-09-13,Closed with monetary relief,Yes,No,CR2110117,3921
2016-09-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"We obtained a mortgage from Eagle National Bank to purchase our home. We repeatedly informed them that we do not want an impound account and did not sign any paper consenting to an impound account, and yet, an impound account was imposed without our permission at closing. We made numerous phone calls to Eagle National Bank to remove the impound account, and our requests were ignored. Each time we called, we were reassured by different representatives that the impound account would be removed, but nothing happens.",,Consent provided,Web,2016-09-13,Closed with non-monetary relief,Yes,No,CR2110545,4030
2016-09-13,Bank account or service,Checking account,"Account opening, closing, or management",,"What I want to know is how can XXXX bank take over another XXXX and take the customer accounts without the option to opt out. This has happened to me twice. The second time Eagle National Bank sold off my branch, so I fought to stay with them ( automatic deposits, linked accounts etc. ). I am not a commodity/product. They have completely lost sight of the fact that we are customers.",,Consent provided,Web,2016-09-15,Closed with explanation,Yes,Yes,CR2109338,3104
2016-09-13,Bank account or service,Checking account,Using a debit or ATM card,,"Where do i get started. My father has recently passed on XXXX XXXX 2016, and during my dads funeral services my wallet went missing, and i noticed the next day and noticed {$200.00} was taken out my account, but how? I then call Eagle National Bank to report my card lost or stolen and put in a claim for this money they stole from me, and how they got my pin is crazy, they must f been standing behind me at an atm at the time of the funeral, and that is petty and sad just like Eagle National Bank! They declined my claim for what reason I do not know, and its sad, because I never try to claim anything or go through this broken process with these banks. But my dad just died and all these expenses left behind fall on me and I am in ruins right now! I would n't be claiming anything false, and the money was taken at a store atm, when i only use Eagle National Bank for just that "" security ''! I am very disappointed in the way Eagle National Bank handled it and denying me for {$200.00} that is much needed to get my dad funeral expenses paid. I am so disappointed that I will be seeking a new bank soon, because it is sad that a huge bank like them cant help in your most time of need!!",Older American,Consent provided,Web,2016-09-13,Closed with explanation,Yes,Yes,CR2110500,3671
2016-09-13,Credit card,,Identity theft / Fraud / Embezzlement,,"As is normal now, I received an email from Eagle National Bank that my financial info may have been compromised at an 'undisclosed merchant. ' The bank and merchant should be be disclosed, so I can decide how to proceed. Not having to disclose the merchant helps remove certain accountabilities. 


Security Alert : We 're Issuing You a New Card To Help Keep Your Information Safe We 're letting you know your card may have been part of a compromise at an undisclosed merchant. This does n't mean that fraud has or will occur on your account and as always, you are not liable for fraudulent transactions when reported promptly. However, as a precaution, we 're issuing you a new card which will arrive soon. 
You may continue to use your current card until your new card arrives. Once you receive your new card, the old one will no longer be valid. Please activate your new card as soon as you receive it. Keep in mind, your current credit card will deactivate on XXXX/XXXX/2016. 
Your security is important to us We 're continuously monitoring your account ; however, if you do notice any charges you did n't make, please call us at XXXX, 24 hours a day, 7 days a week.",,Consent provided,Web,2016-09-13,Closed with explanation,Yes,No,CR2110365,2181
2016-09-13,Credit card,,Credit card protection / Debt protection,,"I disputed a credit card charge on my Eagle National Bank Visa card. B of A sent me a letter stating what I needed to mail or fax them to substantiate the claim. I purchased a windshield for my ENt - the part was too small and does not fit. Numerous attempts to get the merchant to return my calls so I could get a RA in order to return the part failed. They never called me back, so I disputed the charge. 
One paragraph in the letter is what my issue is. It stated that I had to get a signed second opinion from another qualified merchant on their letterhead! Who would do that??????????? And the qualified merchant ( second opinion ) must physically inspect the merchandise in dispute! 
This is simply putting a requirement on the consumer that is impractical at best and allowing B of A to rapidly close the dispute without a just and fair outcome to the consumer.",Older American,Consent provided,Web,2016-09-13,Closed with explanation,Yes,No,CR2110614,3884
2016-09-13,Credit card,,Customer service / Customer relations,,"I rarely use my Bank America XXXX credit card. I used it once in XXXX ( I believe ) to buy gas for roughly {$30.00}. Because I use it infrequently, I did not recall that I had used it for one purchase. 

I did not realize that this small amount was outstanding because I did not receive a statement, nor did I receive any call, e-mail or text from Bank America. 

After approximately 30 days, they sent me an e-mail that asked me to call them in a very casual way, but did not mention that there was any issue. I called them immediately. After being informed that a small balance was outstanding, I paid them instantly. 

I later discovered that Bank America had filed a notice of 30+ days late with the major credit agencies, which reduced my credit rating. I called back and asked them to remove this since I had n't received notification, it was a small amount, and it was paid immediately. They submitted that request on my behalf and told me I 'd receive a written decision within 7-10 business days. 

I did not receive a written decision so I called Bank America. The woman told me that Bank America had found in my favor and that the adverse credit report would be removed. She said that I would receive a letter shortly stating this. 

When I did n't receive the letter ( again ) after a reasonable time, I called Bank America. This time, I was told that they had found against me and were refusing to remove the report. They said that they had sent multiple statements, but I told them that obviously I did n't receive them or I would have immediately paid such a small amount in full. 

Bank American admitted that other than the statement ( s ), they had made no effort to call me, to text me, or to contact me by e-mail. I asked why that was and the supervisor said, "" You may not have given us consent to contact you ''. I did n't think that made a lot of sense. 

In my condo complex, we have over XXXX units and it 's not uncommon for mail to be misdirected. However, I can not say why I did not receive the statement. 

I 'd like these negative reports removed. I have acted in good faith and have immediately paid this small bill upon discovering that it was outstanding. I feel that Bank America did not make reasonable efforts to inform me of the outstanding bill and they provided false and misleading information when directly stating that the issue was resolved in my favor. Presumably that call was recorded.",,Consent provided,Web,2016-09-13,Closed with explanation,Yes,Yes,CR2110301,1318
2016-09-13,Credit card,,Customer service / Customer relations,,"I received a collection letter from XXXX in XXXX 2016 about a Eagle National Bank account. This was my first time hearing of this so I asked them to verify the account. The information sent to me did not verify the account as there was activity on my account in years in which I was not in the US and I did not authorize any accounts. I did not hear back from them again and called them back this week. I was advised that the account was sent back to Eagle National Bank as they were not able to verify the account. I followed up with Eagle National Bank and the agent was not able to confirm this account and provided a different account. However, Eagle National Bank continues to report this on my credit report in violation of credit reporting laws despite multiple attempts. I am requesting that they remove this reporting whilst they investigate this and advise me immediately of their findings.",,Consent provided,Web,2016-09-13,Closed with explanation,Yes,Yes,CR2108404,4805
2016-09-13,Credit card,,Balance transfer,,"On XX/XX/2016 I accidentally double-paid the significant outstanding balance of my Eagle National Bank XXXX account. I owed about {$26000.00} and I mistakenly made two payments totally {$52000.00}. My error! I immediately contacted EN and asked that the second {$26000.00} payment be reversed and returned to my XXXX checking account. My credit line and other assets covered the over-payment with personal financial impact. After many phone calls and a waiting period, on XX/XX/2016 about {$26000.00} was taken out of my EN account and I was told the amount would be in my checking account "" tomorrow '', or "" 3-5 business days '', or "" 7-10 business days '' depending upon who answered my phone call. It is now XX/XX/2016 and the money is STILL not in my checking account. Even today I was promised "" tomorrow '', or Friday, or next week. Fool me once, shame on me. Fool me more than a dozen times then shame on the Eagle National Bank. Even if the EN promise of "" tomorrow '' actually happens, I 'm formally filing a complaint and trust that CFPB will take action.",Older American,Consent provided,Web,2016-09-13,Closed with non-monetary relief,Yes,Yes,CR2107806,3214
2016-09-13,Bank account or service,Checking account,Deposits and withdrawals,,"Hello, I opened a checking account online with Eagle National Bank ( This is the first and the only account with this bank ), the next day XXXX/XXXX/2016 I stopped by the branch in my town and made a check deposit for {$5000.00} to the account. 
Today is XXXX/XXXX/2016 and I still do n't see the money in my account even though it is showing that the money already been released from the other bank. 
what I see is only a {$100.00} available, when I logged in to my account on Sunday the XXXX/XXXX/2016 I saw they put ( Pending - {$9700.00} ) on the account, and when I called their customer service, the lady told me that they put a DOUBLE HOLDING on the amount of the check, and claimed it was a mistake, and took her around 20 minutes to fix that mistake. 
when I called their customer service on XXXX/XXXX/2016 they told me that they can hold the money up to 12 day, then I called again and spoke with a supervisor and she told me they can hold it up to 8 days. 
My concern is about all that process they doing with holding the money that long, is it legal? 
* The check amount is {$5000.00}. 
* The post a double holding on it. 
*It passed 3 days since the deposit date, and the supervisor told me that I need to wait 5 more days. 
*everyone in their office telling different info ( some saying they can hold it up to 12 days, other say up to 8 days ). 
If you can advice me what to in this case to protect my money, I will be thankful. 
Best Regards",,Consent provided,Web,2016-09-13,Closed with explanation,Yes,Yes,CR2109316,3898
2016-09-13,Bank account or service,Checking account,"Account opening, closing, or management",,"I had Eagle National Bank checking account for long time and this account is charge off on j XXXX XXXX when I call and find out why is charge off. I find out Eagle National Bank line of credit was doing ach on XXXX which I did not tell to do ACH. line of credit was saying if I have any time retan the payment we cancel the ACH which is my payment was XXXX on XXXX XXXX after that stop doing ach on my account and a auto ACH start aging from my account on XXXX which bank do n't have any paper work. 
I do n't use this account from last year so I do n't check. without my knowledge how do I know bank doing ACH. now is charge off account and I do n't mind to pay the original amount but I can not pay any fee bank charge after wrong ach done. please call me for more detail. now recovery department was saying branch manage can refund all fee. when I call the branch manage she was saying she can not do it because of charged off account. I just want to get refund the all fee from bank charged to this account after XXXX XXXX and I will pay my balance to bank not any fee.",,Consent provided,Web,2016-09-13,Closed with monetary relief,Yes,No,CR2109591,3438
2016-09-13,Bank account or service,Checking account,"Account opening, closing, or management",,"I have been banking with Eagle National Bank for approximately two years. I knew from the beginning that they were nothing but a bunch of crooks. They expect their customers to keep a specific balance in their checking account. I talked with the manager at the Eagle National Bank in XXXX about the {$15.00} service charge based on the balance. He agreed that it was not appropriate and refunded my money. It is my money and not this bunch of crooks. 
They took {$15.00} out about two months ago and I complained. They refunded the money. Now they have done it again and overdrew my account. CROOKS. I will change banks just as soon as my SS check is deposited. I hate the legal crooks that banks are. They provide no services.",Older American,Consent provided,Web,2016-09-13,Closed with monetary relief,Yes,No,CR2108825,2355
2016-09-13,Bank account or service,Checking account,Deposits and withdrawals,,"In XXXX XXXX i make deposit in my acount Eagle National Bank transaction {$100.00}, {$100.00}, {$110.00}, {$60.00} total $ XXXX, 2016 time XXXX balance was {$360.00} Eagle National Bank overcharge XXXX XXXX XXXX XXXX 2016 and XXXX XXXX 2016 no explanation.",,Consent provided,Web,2016-09-13,Closed with monetary relief,Yes,No,CR2110371,2630
2016-09-13,Credit card,,Billing disputes,,I had a {$5000.00} credit limit with Eagle National Bank for over 10 years. I was late on paying my account and they lowered my credit limit to {$500.00}. That lowered my credit score and now looks bad. I was n't even 30 days late.,,Consent provided,Web,2016-09-13,Closed with explanation,Yes,No,CR2108838,9914
2016-09-13,Credit card,,Delinquent account,,I I paid my credit card in full I desputedit done of the dates on my report in return they melodiously attacked my credit report updating it to a ton of days late I have not owed XXXX penny since 2013 abs the account was closed. They opened it and launched a attack on me! Melisously destroying be trade line for negative impact the scout was paid in full I owed not XXXX penny in 2013 when I paid it they said they delete it would would be in my good credit lhistory as paid as agreed,,Consent provided,Web,2016-09-15,Closed with non-monetary relief,Yes,No,CR2108207,2061
2016-09-13,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2016-09-15,Closed with monetary relief,Yes,Yes,CR2109134,3009
2016-09-13,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-09-13,Closed with explanation,Yes,No,CR2110612,3907
2016-09-13,Credit card,,Balance transfer,,,,Consent not provided,Web,2016-09-13,Closed with monetary relief,Yes,No,CR2107109,4269
2016-09-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-13,Closed with explanation,Yes,Yes,CR2109431,3681
2016-09-13,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2016-09-13,Closed with explanation,Yes,Yes,CR2108364,3481
2016-09-13,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-13,Closed with monetary relief,Yes,No,CR2110315,3602
2016-09-12,Bank account or service,Checking account,Problems caused by my funds being low,,"A month ago, I was charged fees by Eagle National Bank for having Overdraft Protection and insufficient funds. After talking to them I told them I wanted to remove all overdraft protection so I would not incur those fees. I had to talk to a supervisor and he waived only XXXX charge out of XXXX. The past week I was again charged overdraft fees and when I called to complain, they said I only removed overdraft protection not all overdraft settings. And because the supervisor had previously told me about some other product they offer, at a charge, I should 've been aware and they would not refund anything else. This is a deceptive oractice to not fully educate customers on what overdraft protection and overdraft settings mean. When I said I want all overdraft to be turned off, they should do it. Instead they only removed overdraft protection and so they would still charge me overdraft fees. It 's ridiculous and close to fraudulent when they continue to charge customers. Even when the overdraft protection had worked previously they charge for that. They do not clearly define what fees are incurred, the amount of said fees, or properly inform customers.",,Consent provided,Web,2016-09-12,Closed with monetary relief,Yes,No,CR2105491,3900
2016-09-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I deposited a monthly paycheck into my local Eagle National Bank ATM on Saturday, XX/XX/XXXX at XXXX in the amount of {$1700.00}. {$300.00} was available immediately, and per my online app, the balance of the check would be available Monday, XX/XX/XXXX, as I am accustomed to. I used my ATM card to make a purchase today, Monday afternoon, XX/XX/XXXX, and my card was declined. I called EN to ask why my money deposited on XX/XX/XXXX was not available, and they said it would be available on Tuesday, XX/XX/XXXX. Since I have been with EN since XX/XX/XXXX, I know this is a departure from practice, since when I deposit a check on the weekend, it is available on Monday, the first business day. I spoke with XXXX customer service staff who both sympathized, but both said the check would n't be available until XX/XX/XXXX, 4 days after the deposits. They both stressed there is no hold on my account, it just takes that long to process my check. This is a check I have deposited monthly for 14 years, issued from the State of California. I asked both customer service staff what has changed, and why was n't I informed, and they had no answer. Perhaps cfpb can help me navigate this, as no one has answers, and this is clearly not right.",Older American,Consent provided,Web,2016-09-12,Closed with explanation,Yes,Yes,CR2106288,10070
2016-09-12,Bank account or service,Checking account,Problems caused by my funds being low,,"I had a very unpleasant experience today with the Eagle National Bank, with whom I 've been a customer for 6 years and never ( surprisingly ) had a problem before. An acquaintance of my husband, lets call him XXXX XXXX, had opened a bank account with EN and added my husband a a secondary cardholder so that he can handle transactions, since XXXX XXXX spends most of his time out of the country. Later, XXXX XXXX became overdraft and never covered his fees since he was not in the US. Now, my husband is also a secondary cardholder on my account as well. After some time, EN transferred {$400.00} from MY account to cover XXXX XXXX 's overdraft, even though the only common thing we have is that my husband is a cardholder on both of our accounts. This came without any notice, so imagine my surprise when my money went missing into an account I know nothing about. EN refused to deposit the money back and claimed the right to setoff authorizes them to do so, even without overdraft protection between the XXXX accts. They also claimed that there is no primary or secondary cardholder, but all names listed on the account are equally responsible. I spent 3 hours at the bank trying to resolve the issue, and would n't hear any of my arguments. First of all, the bank misleads its customers by using the term "" cardholder '' and not an "" owner ''. It was never stressed to us that my husband was going to be an actual owner of either account ; I was under the impression that I only authorized him to use the card and nothing more than that. Secondly, "" the right to setoff '' was definitely a new term in my vocabulary as the bank completely omitted mentioning anything of the sort. When I said I was unaware of these policies and asked for the paperwork, they said they had just ran out of the pamphlets that they supposedly give to all their customers ( how convenient ), and instead printed it out from their computer ( took them 30 minutes ). The papers did have a cardholder definition and the right to setoff meaning, very vaguely, however ( for example, it does not say that the bank will charge a positive acct to cover a negative acct 100 days after it became overdrawn ), but these things were never explained to either of us. Moreover, the brochure is dated XX/XX/XXXX, whereas I opened my acct XX/XX/XXXX. 
Third, I find the "" right to setoff '' to be a very unethical practice, because it essentially makes a person responsible for a completely random person. The bank does not require my name to be on XXXX XXXX 's acct in order to make me liable, so long as my husband is a member of both. I barely even know the guy!! Moreover, EN never let me know about XXXX XXXX 's acct, which I think they should have if they are going to hold me responsible. The best part - even if I knew about it, I would n't be able to take money out of XXXX XXXX 's acct since I dont have access, but somehow I am responsible for his overdraft!! 
I also argued with the bank that since XXXX XXXX was so grossly overdrawn, a more appropriate course of action would be for them to close the acct and send it to collections on XXXX XXXX 's SSN, as I personally essentially had absolutely NOTHING to do with his finances. The bank, of course, rejected that idea. 
I believe that EN omits discussing major clauses with its customers in their own benefit and to the disadvantage of their customers. They implement highly unethical practices and are extremely hesitant to give their customers a refund, even when the customer is right. At the end of the day, they should return the {$400.00} back to me and hold XXXX XXXX responsible for his own finances. 

Institution involved : Eagle National Bank XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXXXXXX PH : XXXX",,Consent provided,Web,2016-09-12,Closed with explanation,Yes,No,CR2108075,76
2016-09-12,Bank account or service,Savings account,Deposits and withdrawals,,I have XXXX account with Eagle National Bank.One account is a primary checking another checking account and also a Money Market account. Last month XXXX XXXX XXXX fees were added to my account by the bank.They added XXXX and a additional XXXX monthly fee. I called the bank to complain about this. They told me they added these fees because I had to many withdraws. I was told by a second representitive that they could refund me some of the money the bank had charged me. This person tranferred me to another representitive and they said there was nothing they can do to help me. I have had this account since XXXX and they did n't ever charge me. I ask them to not put additional charges on this account due to no activity since the month it happen but there has been another XXXX dollars fee added this month.,,Consent provided,Web,2016-09-12,Closed with monetary relief,Yes,No,CR2105515,3006
2016-09-12,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX XXXX, 2016, I logged into my Eagle National Bank checking account ( of over 10 years ) to see a pending debit of $ XXXX. I have never bounced a check, missed a payment, overdraft, so I called and contacted the Customer Service Department upon which I was n't given any information but that a fraud investigator will be assigned within 24hours and will contact me. Since that day I have not received any call or mail whatsoever from EN however I do call EN just about everyday but still all I get is the runaround from different their various departments that I am transferred to. Finally on the XXXX XXXX after yet another call to EN Fraud Department, I was told my account was being closed and a check with my account funds was being mailed out the next day and that EN has a right to close my account without given a reason per the depositors agreement when account was opened. 
While I understand this agreement, I do n't understand why as of today XXXX XXXX ( another 2weeks ), a check has still not be mailed to me. I keep calling EN Risk Account Department as advised as well as their Executive Customer Relations Department and they claim they are looking into it but still I have n't received any check yet nor any correspondence yet. The XXXX tracking number ( XXXX ) they had initially provided upon tracking shows that the check was never even given to XXXX in the first place even though a label was created! 
I really need my funds from my EN account urgently, as I need to but medications for my mother who is recovering from a XXXX and also need to pay for her XXXX. I also need my funds to pay my bills due as well as for some other financial obligations. 
Its been more the 3 weeks since EN held my account without reason or any communications to me. The investigator assigned who I later got to know her name and number as never called me nor return any of my calls. I even went to her office on the XXXX of XXXX and she would n't see me but was told to go to a banking center which again I did at XXXX XXXX XXXX XXXX, XXXX, IL but was again not given any information but that they I should wait for check correspondence from them. But still I have n't received any check. 
I believe its unfair and inconsiderate practices to close a customer 's account at the bank 's discretion yet hold on to the customer total funds for more that 3 weeks without return it nor providing any information. This as caused hardship for me and my family. and really saddens me.",,Consent provided,Web,2016-09-12,Closed with explanation,Yes,No,CR2108041,4543
2016-09-12,Bank account or service,Checking account,Using a debit or ATM card,,I have an ATM card issued by EN Bank. My ATM card IS NOT a debit card ( does not have a XXXX logo ). I noticed that my ATM card stopped working on XXXX/XXXX/16. I went into my local branch and spoke with XXXX XXXX XXXX [ XXXX ] and she told me that the EN Bank network that processes ATM cards ( not debit cards ) was out of service. She could not give me an ETA on when the network would be back up. Today ( XXXX/XXXX/16 ) I tried to use the ATM card but it still is n't working. I would like to know when the network will be back up or if EN Bank is not longer supporting ATM cards.,,Consent provided,Web,2016-09-12,Closed with explanation,Yes,No,CR2108106,554
2016-09-12,Bank account or service,Other bank product/service,Using a debit or ATM card,,Eagle National Bank has a EN GO Card. They started charging inactivity fees. They reversed the fees initially and said they would be charged within 12 months. XXXX the supervisor refused to fix the fee.,,Consent provided,Web,2016-09-12,Closed with monetary relief,Yes,No,CR2106691,9450
2016-09-12,Credit card,,Customer service / Customer relations,,"I submitted an application for a credit card with Ally Bank Credit Card Services. I provided documentation related to bank statements and other identifying documents. In this files, my legal name was listed and the department decided to use a misspelling of my name after several calls requesting the information to be corrected. I have reached to a XXXX, a supervisor at the department that remain unable to be respectful about my issues with having my name miswritten on banking documentation. I had to fax legal documents stating my name and the issue has not yet been resolve and they refused to issue a new credit card after a supervisor promised that a replacement card would be issued. 

I believe this all furthers their racism and discrimination to people from diverse families and that it violates my rights as an applicant and a client.",,Consent provided,Web,2016-10-14,Closed with non-monetary relief,Yes,No,CR2106677,2833
2016-09-12,Credit card,,Payoff process,,,,Consent not provided,Web,2016-09-12,Closed with explanation,Yes,No,CR2105932,825
2016-09-12,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-09-12,Closed with non-monetary relief,Yes,No,CR2106401,152
2016-09-12,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,Consent not provided,Web,2016-09-12,Closed with explanation,Yes,No,CR2106755,117
2016-09-11,Bank account or service,Checking account,"Account opening, closing, or management",,"Over ( 7 ) years ago, I was an account holder with Eagle National Bank. During said time I rented a vehicle from XXXX and paid for the car rental weekly. During said time, while traveling out of town to visit friends in South Carolina, a tire came of the resulting in a dangerous situation/accident. During which time, I did contact the rental company and notify them of the incident. My bank account was closed as a result. The XXXX rental alleged that I owed them for the vehicle, when I had insurance. They sued Eagle National Bank for the funds and they claimed to never have collected on this rental. To date I am unable to open a bank account with any bank based on incorrect information presented to the bank. I would like my rights to open an account with a lending institutions/bank restored. Including my car rental privileged.",,Consent provided,Web,2016-09-11,Closed with non-monetary relief,Yes,No,CR2105704,3100
2016-09-11,Credit card,,Credit line increase/decrease,,"Good Morning, Please consider the following communication a formal complaint and a request for an investigation of age discrimination, and retaliatory and predatory financial conduct, by the Eagle National Bank VISA in its administration and management of my credit card account.. 
BACKGROUND : I have maintained a {$34000.00}. line of credit on the above referenced credit card account with the Eagle National Bank for over eighteen ( 18 ) years. The bank 's records will reflect that during those eighteen years, thousands of dollars in financial transactions have passed through this account. The bank 's records will also reflect that during the history of my account, I have never missed a payment. In fact, an examination of the monthly statements over the past eighteen ( 18 ) years will reveal that scheduled payments were not only made on time, and in full, each month but were often supplemented throughout each month by additional, non-scheduled, payments as a matter of continuing financial practice on my part. 

FACTS OF THE COMPLAINT : In XXXX 2016, I conferred with my financial adviser at XXXX in order to conduct a review of my finances, and a possible restructuring of my finances in preparation for two imminent events in my life ; my eventual retirement and financing for my granddaughter 's college education. What evolved was a financial strategy that included the transfer of the Eagle National Bank VISA Card balance to a XXXX. Subsequent to this decision, on XXXX XXXX, 2016, the current full standing balance of {$8100.00}. was electronically transferred to the XXXX. 

On XXXX XXXX, 2016, I received an unsigned, and obviously computer generated letter from Eagle National Bank VISA advising me that my credit line had been reduced to {$500.00} to include {$200.00}. of that amount for cash advances. The letter cited "" Recent delinquency on one or more accounts '' and "" Balances relative to your credit lines are too high '' and referenced a XXXX XXXX XXXX "" FICO '' Score of XXXX as the basis of their action. While at the same time stating that "" your account remains open and your current agreement remains in effect. '' On XXXX XXXX, 2016, I immediately contacted Life Lock and queried my credit report and found the following information : XXXX : XXXX XXXX : XXXX XXXX : XXXX To my surprise, I also found the same remarks in the credit report as reflected in the Eagle National Bank VISA 'S letter. The XXXX Credit Report correctly reflected no entries by Eagle National Bank VISA ; XXXX revolving accounts as current, and no derogatory information of any kind. 

As I explored the issue with a Eagle National Bank VISA Account Representative with the goal of restoring my credit line, I confirmed that when the XXXX 2016 balance transfer took place another charge was made on the account and there was an outstanding balance of {$58.00} that had not been addressed. However, XXXX payments of {$14.00} had been previously electronically scheduled for XXXX XXXX ; XXXX ; XXXX and XXXX, 2016 and that XXXX payment had already posted to the account. The Eagle National Bank VISA account records will reflect the scheduling and these postings. A final payment on the account in the amount of {$1.00} was made prior to XXXX XXXX, 2016. 

A day, or so after the Eagle National Bank VISA Account Representative "" looked into '' this, she contacted me by phone to advise me that I had been approved for a {$15000.00}. line of credit. Despite a promise to look further into my account, I never heard from anyone again. 

However, what I find most troubling in addition to its possibly illegal and unethical practices is that Eagle National Bank VISA 'S business model is obviously unable to identify its long term, reliable, paying client base and leaves this critical function to computers and scripts. 

.",Older American,Consent provided,Web,2016-09-11,Closed with non-monetary relief,Yes,No,CR2105428,1279
2016-09-11,Credit card,,Cash advance,,"On XXXX/XXXX/16 I went into Eagle National Bank to get a loan of up to {$1000.00} however, EN now only uses credit cards and no longer gives personal loans. Needing the money and thinking I would also be able to build my credit, I decided to go with the EN Cash XXXX card and was told by the banker who was helping me that he will be putting a "" rush '' on the card and will arrive on Monday, XXXX/XXXX/16 but may take as long as Friday XXXX/XXXX/16. After Wednesday XXXX/XXXX/16 passes I ask about my card and am told that if I need any credit card assistance to call the XXXX number for CC complaints, again all I am told is that is has been shipped out from Delaware on XXXX/XXXX/16 and should be arriving shortly. Quite annoyed at this point I call the banker who helped me again and tell him my CC has yet to arrive. My banker and I proceeded to the XXXX CC complaint on a 3-way conference call to which the woman on the line told us my address was not accepted and they returned the card to sender. The woman then tells me she can have it shipped to a XXXX Store for me to which i agreed to and that it will arrive on the XXXX of XXXX and to call the EN CC complaint to get my tracking number from them. XXXX/XXXX/16 at XXXX I called XXXX XXXX Stores close to my location to see if my package arrived to which they told me no. Shortly after I proceeded to call the XXXX CC number again and explain to the woman all that happened and that I am to receive my card today XXXX/XXXX/16 but to my surprise she told me they never mailed it out through XXXX, have no tracking number, and also no notes of ever having a conversation about mailing through XXXX. It is now XXXX/XXXX/16 as I write this and still have yet to receive my card. This leaves me furious because I put in the last of my money ( {$99.00} ) thinking I could get help as well as build my credit however it is now 36 days later, I am out of {$99.00} and still have absolutely no idea where my credit card is and as it sounds, EN does not know where my card is either.",,Consent provided,Web,2016-09-11,Closed with explanation,Yes,Yes,CR2105671,2628
2016-09-11,Credit card,,Identity theft / Fraud / Embezzlement,,"Correspondence with Diamonds International ( DI ) began XXXX XXXX, 2016, it is now XXXX XXXX, 2016, with still NO resolution. It has been a runaround of emails with DI, having me jump through their hoops to basically 'stall ' me or 'wear me out ' I believe. I purchased an item in good faith and was 'taken ' for {$6200.00}! EN is the issuing bank for my Diamonds International credit card. 

On XXXX XXXX, 2016, I purchased, in good faith, a single Crown of Light diamond, XXXX ctw, which was originally part of a set of earrings ( Referral XXXX, XXXX XXXX, sold by # XXXX ). Your store in XXXX ( # XXXX ) put this into my wedding ring. I have your appraisal and paperwork listing the USD value of this XXXX earring 'stud ' alone, at {$9200.00}. I opened a DI credit account and have been paying on it since. 

My local jeweler is a certified in diamond grading, XXXX and a member of the XXXX XXXX XXXX. She was shocked at the price I paid for the Crown of Light diamond I now have in my wedding band. Her original appraisal of my ring ( complete set ) was {$5200.00}. ( My original setting is valued at {$2500.00}. ) The DI Crown of Light diamond I purchased ( originally part of an earring set ) alone was 'valued ' at {$9200.00} according to the DI "" appraisal '' I received when I purchased it. ( The reason I had it appraised when I did was because my home insurance carrier required an appraisal which included ring and new stone. Initially I 'trusted ' the DI store, XXXX XXXX and "" XXXX XXXX '' XXXX shopping consultant who 'approved ' this purchase as being legitimate. ) DI response : "" Our Terms and Conditions ( located on the back of your purchase receipt ) state that the diamond would need to be appraised by an independent gemologist or appraiser, whose sole business is appraisals only and does not buy or sell jewelry, and a copy of the appraisal must be submitted for review within 30-60 days after the date of the purchase. Since your purchase was made on XXXX XXXX 2016, you are unfortunately out of the warranty time for 3-4 months. However, I would like to know if you completed a formal written appraisal with your jeweler. "" XXXX XXXX, DI Customer Service Representative. 

To say I was shocked and angered is a complete understatement. I was emailed an 'approved ' list of DI 'appraisers ' which INCLUDED JEWELERS! This makes absolute no sense to me! I contacted a jeweler from the DI website who was near ( yet XXXX hours ' drive away ), who appraised the DI Crown of Light diamond alone at {$3000.00}. This appraisal was rejected by DI ( because it does not mention the XXXX of XXXX cut XXXX even though the jeweler is listed on their website as a contact. I was told to obtain yet ANOTHER appraisal by someone they recommended ( a jeweler! ). I contacted one of the once again 'approved ' DI appraisers/jewelers who indicated that the XXXX XXXX cut is very similar, and was sent copies of similar diamonds with prices for comparison sake. The Crown of Light diamond I purchased in XXXX was coming in about {$3000.00}. The 'appraisal ' I received when I purchased the diamond is, therefore, {$6200.00} INFLATED! Of course, this all takes time since the customer representative must 'check ' with her manager first. I recently learned that my claim was actually closed on XXXX/XXXX/2016 and we were still corresponding!! 

I have so far contacted DI, XXXX XXXX XXXX, the DI credit card and its issuer ( Eagle National Bank ). No one has been able ( or willing ) to resolve this issue. XXXX insists they can not do anything as the purchase was not made on their ship, yet their 'shopping consultant ' "" XXXX XXXX '' held a formal presentation with fellow cruisers on board in a lounge at an appointed/scheduled time, of what shops to do business with, AND was present during this purchase ( and approved it ).",,Consent provided,Web,2016-09-14,Closed with monetary relief,Yes,No,CR2105523,991
2016-09-11,Bank account or service,Savings account,Using a debit or ATM card,,,,Consent not provided,Web,2016-09-11,Closed with explanation,Yes,No,CR2105524,7855
2016-09-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,Other,Web,2016-09-21,Closed with explanation,Yes,No,CR2105343,2191
2016-09-10,Bank account or service,Checking account,Deposits and withdrawals,,"I was a victim of fraud. A woman contacted me about buying cosmetics thru my site. She sent me a cashier 's check but stated that I was mistakenly sent the entire amount of her paycheck ( {$2400.00} ) instead of the cost of product ( {$580.00} ). She asked that I order the product for her & send the remaining balance ( {$1800.00} ) to her via XXXX or transfer. I received the cashiers check, it was from a valid credit union, and I deposited it into my account. The funds were made available immediately. The next day, I ordered the product and then did a XXXX to XXXX transfer of {$1800.00}. Yesterday, Eagle National Bank reversed the check out of my account since it was found to be fraudulent. I filed a police report and requested the bank 's help in having the money funded back into my account since they cashed the check. I was told that due to my good standing relationship with the bank, they made the funds available immediately but when the check was found to be fake, they reversed the deposit. They will not refund my money because I was the one who deposited & then used the money in the account. I asked them how I was supposed to know the check was fraudulent when they cleared it and made the funds available. They told me to file a police report, go after the person that sent me the check and that there was nothing else they could do. They then proceeded to charge me overdraft fees! My account is currently in a negative state and I have no money to buy anything. I can not buy groceries for my family or gas for my car. I closed XXXX accounts with BofA and the online rep actually thanked me for being a valued client! I have filed a report with the XXXX Police Dept but have been told the likelihood of finding the criminal is slim. I do n't know what I will do but I want to make sure that Eagle National Bank does not get to treat another "" valued client '' in the same manner. There was no way that I could have known that check was fake. They told me that if I had n't used an ATM to deposit the check, it may have been caught! I get CHARGED a fee if I go inside to a rep since I have an Online banking account, so why would I bring a cashiers check into the bank, which was closed at the time anyway. I do n't know if I 'll get any resolution to this situation and I do n't know how I will get through the next 2 weeks before I am paid again but I do know that Eagle National Bank acted just as criminal to me as the person that perpetrated the scam and I do n't want them to do this to anyone else.",,Consent provided,Web,2016-09-10,Closed with monetary relief,Yes,No,CR2105285,5111
2016-09-10,Credit card,,Delinquent account,,"I started receiving outrageous robocalls from Eagle National Bank on XXXX/XXXX/XXXX and continue there abusive and harassing conduct. 
CALL LOG XXXX. XXXX XXXX XXXX/XXXX/XXXX Cease and desist letter sent XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX These are automated calls leaving repeated pre-recorded messages. 
XXXX. XXXX XXXX XXXX letter sent XXXX/XXXX/XXXX Cease and desist letter sent XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX sues me on XXXX/XXXX/XXXX",,Consent provided,Web,2016-09-10,Closed with explanation,Yes,No,CR2105074,7234
2016-09-10,Credit card,,Convenience checks,,"In XXXX of XXXX I took advantage of a promotional deal that Eagle National Bank was running through my credit card. I used a check they issued with a 0 % APR until XXXX XXXX. Unfortunately my financial situation did not allow me to pay off this debt by the end promotional period. So starting XXXX XXXX I have been paying the agreed upon 21 % APR on the remaining balance that is subject to this rate. I unfortunately hit a difficult financial time and maxed this credit card out. I am unable to make payments beyond the minimum balance at this time, but I have not missed a payment and continue to pay on time. For standard purchases the APR is 14.99 %. 

Here is where I am upset : It is my understanding that the minimum payment is calculated by adding the interest accumulated on each outstanding balance ( the 21.99 % and the 14.99 % ) and 1 % of the overall balance due. 

It is also my understanding that if I pay the minimum payment the whole payment is applied to the standard account ( the account with the lower interest rate ). This means that the balance of the larger interest actually increases each month because the interest earned from the previous month is added to the Balance Subject to Interest Rate ( BSIR ). In XXXX XXXX the was {$4700.00} for my 21.99 % portion of my EN balance. As of my last statement ( ending XXXX XXXX, XXXX ) I now owe {$5500.00} for my 21.99 % portion of my EN balance. This BSIR increases by over {$100.00} each month, and the interest amount increases each month because the BSIR increases. 

I have talked to EN. They claim that the Fair Credit Act directs them as to how to apply my minimum payment across multiple APR balances on XXXX card. Now I have read the Fair Credit Act. It was boring. It does dictate how to apply payments OVER the minimum. It does not clearly state how minimum payments should be applied. 

It is my assertion that EN is exploiting a loop hole and hiding behind that FCA. 

Minimum payments should not penalize consumers by increasing debt. Money should be applied to the accounts so that in this case the balance for the higher interest portion does not increase each month. In order for this to stop happening to my account I must pay enough to pay the minimum payment plus the higher interest portion of my debt, least I increase the debt in the higher interest account all over again.",,Consent provided,Web,2016-09-10,Closed with explanation,Yes,No,CR2105114,3437
2016-09-10,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-09-10,Closed with explanation,Yes,No,CR2105154,3444
2016-09-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-14,Closed with explanation,Yes,No,CR2105116,3680
2016-09-10,Bank account or service,Savings account,Deposits and withdrawals,,,,Consent not provided,Web,2016-09-14,Closed with explanation,Yes,No,CR2105396,2019
2016-09-10,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2016-09-10,Closed with explanation,Yes,No,CR2105098,6501
2016-09-09,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"As my letters indicate, I declared bankruptcy in 2013. However, even though XXXX mortgage accts with BofA were included, I have not missed a single payment during or since the bankruptcy. Never missed or been late since XXXX accts were opened. However, BofA does not report my payments to any of the credit reporting agencies. When I complained to BofA, they sent me a list of the agencies and their phone numbers, but the agencies just report what they received from my creditors -- -except BofA does not report anything from me. I even told the agencies and BofA that I would, at my expense submit copies of the checks from 2013 to the present for XXXX accounts showing payments. The agencies ignored my letters and BofA, as their letter indicates only sent me a list of credit agencies. I need to get BofA to report my payments to them for these XXXX mortgages.",Older American,Consent provided,Web,2016-09-09,Closed with explanation,Yes,Yes,CR2102059,2263
2016-09-09,Bank account or service,Checking account,Deposits and withdrawals,,"I had an account with Eagle National Bank, a pesonal and a business account. XXXX day i saw that my account didnt have any funds and after I went to the bank the told me that some checks were deposit in my stolen checks were deposited in my account and money withdawl, they told me that somebody had created an online account and requested a duplicated atm card, my card was used three times in XXXX. They told me the checks were deposit at the bank. When I told them that was not done by me, they kept telling me that is was nothing they could do and they took the money I did have to cover the fraudalent charges. I ask to see the videos from the bank, they refuse, I filed a complaint with the police department case No XXXX with officer XXXX, he started connducting investigation and he requested the bank copies of the video, the bank refused again, and the officer was obligated to obtain a production to produce from the court and a subpoena de bank, again once officer XXXX presented those documents, they refused to give him the bank video and continue to prolonge the process. in the menatime, the have my records as abuse of account, and I am not able to open any other account with any other institution. 
At this point I dont know what else to do, i need help. 
i believe this is an inside job, bank employees, since, to deposit a check and to make a withdawl you need to show indetification, also, the check that were deposit were stolen.",,Consent provided,Web,2016-09-09,Closed with monetary relief,Yes,Yes,CR2104122,2121
2016-09-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I heard on XXXX news that XXXX XXXX was fined for credit card scams. The same credit card scam has happened at Eagle National Bank in XXXX, Maryland on XXXX XXXX. Customers like myself had credit cards opened in their names without their knowledge. Bonuses was given to the bank representative that fraudulently applied for the credit card. I have reported my incident to XXXX bank managers in XX/XX/XXXX and the other in XX/XX/XXXX. I mailed a letter to the CEO of Eagle National Bank in XXXX XXXX. I gave the current bank manager ( XXXX ) a copy of the CEO letter. XXXX filed a formal complaint on my behalf. An employee, XXXX was terminated ( according to XXXX ) for committing the credit card frauds and I was not the only customer the fraud/scam was committed against. The bank manager XXXX XXXX, did not file a complaint in XX/XX/XXXX. She acknowledged that XXXX had committed credit card fraud and I had not received a disclosure ; however, she requested that I use the card to get rewarded for purchases. In addition, I was to see XXXX XXXX should I have concerns, employee XXXX has a XXXX and she would take care of the situation. The purchase reward, according to XXXX XXXX, would pay the credit card balance after I used the card for XXXX year. I have used the card for one year and I have not received purchase rewards to pay-off the credit card balance. XXXX XXXX is working at a Eagle National Bank branch in XXXX, MD on XXXX XXXX, according to XXXX. I am concerned that this scam involving Eagle National Bank has not been addressed for I am waiting for a response to the letter I sent the CEO and the formal complaint filed by XXXX, Bank Manager. Recently I was sent a letter from Eagle National Bank stating changes to my credit card agreement. How am I to agree with recent credit card agreement changes if I never received the initial agreement/disclosure? I have no idea what information was used to apply for the credit card. I never discussed credit card, never had any intentions on applying for a credit card with Eagle National Bank, and only went to the bank the day the credit card information was submitted to get a check register.",Older American,Consent provided,Web,2016-09-09,Closed with monetary relief,Yes,No,CR2104060,593
2016-09-09,Bank account or service,Checking account,"Account opening, closing, or management",,"I signed into my Eagle National Bank Business account today and noticed that I have had fees for the past 3 months of $ XXXX/month for XXXX business checking account and $ XXXX/month for the other. On XXXX XXXX, 2016, I had downgraded both of these accounts to a Business Fundamentals account which required minimum $ XXXX daily balance or $ XXXX average monthly balance, which has been met with over $ XXXX average monthly balance since then. The agent had informed me that I only needed to meet the requirement of average monthly balance in XXXX account because the accounts are linked. However, it looks like that starting in XX/XX/XXXX, the fees started to be assessed again. The total sum of the fees is {$45.00} for XXXX account ( {$15.00} x XXXX ) and {$36.00} for the other account ( {$12.00} x XXXX ).",,Consent provided,Web,2016-09-09,Closed with monetary relief,Yes,No,CR2104813,5284
2016-09-09,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I was closing on my house XXXX/XXXX/16 and my realtor emailed me wiring instructions for the closing on XXXX/XXXX/16. I printed them and took them to XXXX XXXX, my bank, and wired the {$51000.00} to the Eagle National Bank account on the email. I was notified at XXXX XXXX on XXXX/XXXX/16 the title co had not received the funds and immediately went to XXXX XXXX. I met my realtor and it was determined her email was hacked and the bank information changed, XXXX XXXX, XXXX banker, filed a fraud claim. I walked over to Eagle National Bank and spoke to XXXX XXXX explained the situation and asked him to freeze the account. I was told I am not their customer and he would only deal with XXXX XXXX fraud dep't. He gave me a code "" XXXX '' and said to make sure XXXX XXXX used the code on the report. I returned to XXXX and XXXX XXXX added the code. I was told the wire had not been initiated until XX/XX/XXXX as it was XXXX on XX/XX/XXXX when I had requested it and they thought it could be stopped. On XXXX/XXXX/16 XXXX XXXX XXXX XXXX called and told me the money had been withdrawn that day from Eagle National Bank. Eagle National Bank could have prevented this and I have lost my life 's savings.",,Consent provided,Web,2016-09-09,Closed with explanation,Yes,No,CR2103544,4436
2016-09-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,I was recently scammed and Eagle National Bank is holding my liable for the sum of {$47000.00}. They closed my accounts and took all of my money in checkings account and savings account even after explaining to them that i was scammed. I have no money to my name and no way of paying this amoung.,,Consent provided,Web,2016-09-09,Closed with explanation,Yes,Yes,CR2103399,2761
2016-09-09,Bank account or service,Checking account,Using a debit or ATM card,,"On Tuesday, XXXX XXXX I received a text alert from Eagle National Bank warning me about a low balance. When I checked my account activity from the weekend, I noticed XXXX cash withdrawals made from XXXX ATMs in XXXX. 

The ATMs and amounts withdrawn were : {$44.00} ( includes ATM fee ) from XXXX XXXX XXXX XXXX, XXXX Texas - XXXX {$300.00} ( incldues ATM fee ) from XXXX XXXX XXXX, XXXX, TX - XXXX XXXX XXXX XXXX I tried calling them immediately, but since XX/XX/XXXX was on Monday, I had trouble getting through since their holiday message kept playing ( despite it being Tuesday & business hours ). I signed into my online account and locked my card. 

Finally later in the day I was able to get in touch with them. I let them know I 'd been involved in a car accident on Friday and on Saturday, when the withdrawals were made, I was home all day recovering. Eagle National Bank opened a claim and said they would investigate. I asked them to please check the cameras. 

In the meantime they issued a temporary credit for the amounts withdrawn as well as the ATM fees ( they were made at non-EN ATMs ). My debit card was still in my possession. 

When asked to answer some questions and submit claim documents online, I provided them with a statement of my whereabouts as well as geolocation proof from XXXX XXXX demonstrating where I was when it happened. 

On Friday, XXXX XXXX I received a response that my claim had been resolved. When I signed on and viewed the letter, I was informed that my claim was being denied. 

I followed up with their claims department and was told my claim was denied based on the following : The person who withdrew the funds knew my pin number. Since there was no pin error, it was n't considered fraud. 
The person who withdrew the funds only did so twice. Since it was only twice, it was not considered aggressive behavior. 
The person who withdrew the funds did not deplete my account to {$0.00}. Since they did n't completely empty my account, it was not considered fraud. 

I was informed the temporary credit would be reversed since they saw no signs of fraud. 

I 've filed police reports for each withdrawal.",,Consent provided,Web,2016-09-09,Closed with monetary relief,Yes,No,CR2104437,4565
2016-09-09,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX I called XXXX to pay {$200.00} for my credit card that was declined and I was very late. The payment went through from my Eagle National Bank checking account. 
I called again XXXX XXXX XXXX they said I am OK. I used the card normally. 
Almost one week, Thursday XXXX XXXX, I checked my Eagle National Bank account I found it overdrawn and they applied a {$35.00} fine against me. I called EN costumer service, The lady said the payment was not proceeded from XXXX. Then she said we can not cancel the fine after a long argue. 
This is not the first time they do n't reflect transactions in my online banking. The hold them until they could apply any fine they want. They did it before with me and with many of my friends. and every time I call the merchant or any other third party they say we proceeded your payment, but when I call Eagle National Bank they say it 's not from us! 
First, the question is why should I pay from my kids budget if these banks are not doing their job? How can I get my right if I am the weakest party of the deal? 
Second, Why they hide peoples data to use them at the moment they want? 
Third, why every time I should pay for a wrong computer system that I do n't have any control on it and it gives me a wrong data. I used to pay according to what I see on my smart 's phone online banking. 
Forth, they never hide goods and food or gas transactions, all what they hides are checks, and scheduled payments to snatch the unfair and illegal {$35.00} fine. 
Please help me i getting back this amount as a sign of our government financial institutions rigor. As sign of fairness and legality. 
If they do the same thing with XXXX account holder this means a lot of easy tricky money they are collecting. 
Please help in this please.",,Consent provided,Web,2016-09-09,Closed with monetary relief,Yes,Yes,CR2100476,1863
2016-09-09,Bank account or service,Checking account,Using a debit or ATM card,,Re : Case number : XXXX. This complaint was submitted on XXXX/XXXX/16 and no one has contacted me about getting an additional debit card. I need an additional debit card. The fact that it has been 2 weeks and no one has even bothered to contact me or send me my card. This just proves that Eagle National Bank treats its senior XXXX veterans very shabby.,Older American,Consent provided,Web,2016-09-09,Closed with non-monetary relief,Yes,No,CR2104266,1964
2016-09-09,Bank account or service,Checking account,"Account opening, closing, or management",,"Three months ago, Eagle National Bank started charging me {$25.00} a month on my checking account. This happened right after they issued me a new credit card claiming a vendor was hacked with credit card information. Thank you.",Older American,Consent provided,Web,2016-09-09,Closed with explanation,Yes,No,CR2100665,2938
2016-09-09,Credit card,,Unsolicited issuance of credit card,,"Eagle National Bank opened a credit card account in my name without my authorization, at the same time I opened a checking account with them.",,Consent provided,Web,2016-09-09,Closed with explanation,Yes,Yes,CR2103826,5030
2016-09-09,Credit card,,Delinquent account,,I paid my card down I got s credit for a late charge the infirmation you have as og XXXX XXXX th is not correct. My credit card thru bank of Americe was reported to you as of XXXX XXXX but is not updated on the XXXX XXXX XXXX report it does not reflect correct balance and does not shown payments made or credit adjustments. Please call me at XXXX,,Consent provided,Web,2016-10-14,Closed with monetary relief,Yes,No,CR2104357,945
2016-09-09,Credit card,,Delinquent account,,"The company failed to provide me with a right to dispute, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.",,Consent provided,Web,2016-09-09,Closed with explanation,Yes,No,CR2104217,2695
2016-09-09,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX I made a "" CASH '' deposit of {$500.00} to my Eagle National Bank account. An hour later I made a transfer of the same amount {$500.00} from my account to another Eagle National Bank account. Eagle National Bank is telling me that even thought the deposit was made before the transfer and it was CASH, the deposit was not available until the next day which made my account OVERDRAWN and they charged me a maintenance fee. It sounds like a robbery to me.",,Consent provided,Web,2016-09-09,Closed with monetary relief,Yes,No,CR2102912,3183
2016-09-09,Credit card,,Rewards,,,,Consent not provided,Web,2016-09-09,Closed with explanation,Yes,Yes,CR2104649,3528
2016-09-09,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-09-09,Closed with monetary relief,Yes,No,CR2103316,5319
2016-09-09,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-09-09,Closed with explanation,Yes,No,CR2103992,5233
2016-09-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-09,Closed with explanation,Yes,No,CR2104696,675
2016-09-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-09-09,Closed with monetary relief,Yes,No,CR2103298,3708
2016-09-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-09,Closed with explanation,Yes,No,CR2103712,4747
2016-09-09,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-09-13,Closed with explanation,Yes,No,CR2104707,3222
2016-09-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I had line of credit with Eagle National Bank. 
I requested some document under Act ( FDCPA ) to send all this information but XXXX XXXX XXXX XXXX XXXX saying on email this loan was sold to XXXX XXXX and not providing any document. I have court date with XXXX and Eagle National Bank is my original creditor. I do n't have any sign contract with XXXX. still I send the requested to them but I did not send me any is bein more then XXXX date.",,Consent provided,Web,2016-09-08,Closed with explanation,Yes,Yes,CR2100946,1056
2016-09-08,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened my first banking account ever with Eagle National Bank a couple years ago not sure exactly when. Long after, my account was compromised some how and I filled fraud immediately. I took the proper and necessary steps to resolve this. During that time there were many phone calls and letters sent back and forward between I and the Bank upon this issue. Shortly after the issue I thought was resolved.",,Consent provided,Web,2016-09-08,Closed with explanation,Yes,No,CR2100232,10988
2016-09-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I was offered a deal through Eagle National Bank XXXX which promised {$75.00} cashback when completing two transaction at XXXX XXXX XXXX as per the terms ( deal terms attached and pasted to the bottom of this text box ). Three weeks elapsed without any receipt or acknowledgement that the terms of purchase were completed. 

Attempted to e-mail Eagle National Bank regarding this issue - no e-mail solution was offered. Attempted to chat Eagle National Bank regarding this issue - chat was busy without the option for a queue ( and from previous experience was not available XXXX times when needed ). Called Eagle National Bank and was placed on a callback hold lasting anywhere from 40 minutes to an hour. Did not receive a callback for another 1 hour and 20 minutes as recorded by my call log. 

I was rerouted to the appropriate department and clearly explained my issue regarding the deal terms. Representative placed me on a brief hold and later stated that according to them, the terms and conditions on their end required me to purchase the product through the phone or through in-store channels and was not available through online purchase. In other words, their terms of purchase were completely different than what was displayed to me on my end. The representative stated further that he would escalate the dispute but expressed that my chances of a successful claim was slim. He suggested that I go to a Eagle National Bank branch to show them the terms of purchase as shown on my end and that a branch associate would be able to place a call on my behalf. 

A few hours later, I entered into the Eagle National Bank branch on XXXX and showed the associate my terms of purchase and that per my terms, I completed the transaction as requested. After a few minutes, the associate contacted Eagle National Bank to be rerouted to the correct department. 

After navigating the phone tree, he was placed on hold and directed me to another table to remain on the line while he assisted other customers. 

So I stayed on hold in the other table. I gave my friend the phone to hold while I grabbed XXXX next door. When I returned, he was still on hold. At this point, we were on hold for 30 minutes. My friend gave me back the phone and ran around doing errands while waiting for his sister to finish class. A whole 40 minutes later, and I was still on hold and my neck was sore. I was literally sitting in the middle of a Eagle National Bank branch drinking XXXX with a XXXX phone on my shoulder and browsing the internet on my phone. 

So after enough time waiting, I called my friend and asked if his sister was done. She just finished. I placed the phone back on the base and without a word, left the branch. 

I would attempt to contact Eagle National Bank further regarding this issue, but unfortunately I do not have another 5 hours of time to waste. 

Deal Terms as stated on my end : -- -- -- -- -- -- -- -- -- -- Click here to earn {$75.00} cash back when you switch to XXXX! 
Earn {$75.00} cash back when you make XXXX transactions with XXXX XXXX XXXX using your eligible card associated with this offer. Also, see how you can get up to {$650.00} in credits from XXXX XXXX XXXX! 

Call XXXX, visit XXXX or come into an XXXX XXXX XXXX store today! 

Offer expires XXXX/XXXX/2016. Offer valid one time only. Must make XXXX separate transactions with XXXX XXXX XXXX on wireless products or services of at least {$15.00} on the card associated with this offer by XXXX/XXXX/2016. Your {$75.00} cash back is earned within 30 days after making your second transaction. See details on XXXX offers. Taxes, fees, other charges & restrictions may apply. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- My terms of purchase clearly gave me three avenues of completing my transaction : "" Call XXXX, visit XXXX or come into an XXXX XXXX XXXX store today! "". Purchases completed on XXXX/XXXX/2016 ( total purchase of {$21.00} ) and XXXX/XXXX/2016 ( total purchase of {$16.00} ) as provided in the following screenshot.",,Consent provided,Web,2016-09-08,Closed with monetary relief,Yes,No,CR2102080,2661
2016-09-08,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,"I went to Eagle National Bank to cash a check. 
Which is a check issued by the CLERK OR THE SUPERIOR COURT XXXX TRUSTEE ACCOUNT. in the amount of {$10000.00} The check was issued in my name XXXX XXXX on XX/XX/2016 at around XXXX. 
I was told to wait 3 hours to cash the check at any Eagle National Bank. 
I went to EN at # XXXX XXXX XXXX, XXXX, CT XXXX Telephone number XXXX A person by the name of XXXX ( I believe ) told me they did not have that much money. I asked when I could cash it then and he told me it takes 2 to 3 business days for a check like this to be cashed. 
However, I was told that I could open an account and deposit the check in the account!!! 
1 ) What upset me the most was the rude answer from this person XXXX or whatever his name was. I could probably have agreed if I had been treated better, but the disrespect, the lack of explanation, and telling me that I can not cash a check and have to wait 2-3 days for them to have this amount of money together!?!? 
That is disrespectful and offensive. Now tomorrow I have to come late to work because some employee did not want to do his job.",,Consent provided,Web,2016-09-08,Closed with explanation,Yes,No,CR2102362,4011
2016-09-08,Bank account or service,Checking account,"Account opening, closing, or management",,"My dad passed away on XXXX/XXXX/2016. He had a checking account with Eagle National Bank with a somewhat substantial balance. My dad was diagnosed with XXXX 2 years ago and decided that he would put my brother and myself as beneficiaries on the account. He did this with the understanding from the bank that upon his death my brother and I could go to the bank with identification and death certificate to get the funds. 
However, we did just that and Eagle National Bank said they could not disburse the funds to us that everything had to go to their Estate Unit. The Estate Unit would review everything and if they felt everything was good they then disburse the funds. This could take up to 72 hours for them to review and then they would decide if they could disburse the funds. From a legal perspective the purpose if the POD/beneficiaries is so that you do n't have to wait to receive the funds. My dad set the account up this way so that we would have money to pay for the funeral. 
Eagle National Bank thinks they can do whatever they want and make up any rules they want. No one should have to go through the nonsense we went through today to get the money that is legally theirs.",,Consent provided,Web,2016-09-08,Closed with monetary relief,Yes,No,CR2102540,3304
2016-09-08,Bank account or service,Checking account,Deposits and withdrawals,,"On Wednesday XX/XX/XXXX, XXXX XXXX mis-charged my account {$440.00}. They were willing to help but explained the refund would take 7-10 business days to show on my account. They advised me to call my bank so they could expedite the process. Called EN and waited for a rep for 47 minutes before an answer by the claims department. This employee told me there was nothing she could do for my account at the time. After going back and forth for 15 minutes, she transferred me to customer service. I explained my story to the CS rep who, once I finished, full-bellied LAUGHED at me. Said he did n't know why I would have been transferred to him. He sought out a supervisor who said she would call XXXX on my behalf and call me back. She never returned my call. On Thursday, XX/XX/XXXX, I called EN again and spoke with a XXXX in CS. After 14 minutes on hold waiting for an answer, she was able to add a temporary "" memo credit '' to my account. On Saturday, XX/XX/XXXX, the "" memo credit '' expired but I was not notified this would occur and received an e-mail on Sunday XX/XX/XXXX that my account balance fell below {$25.00}. Called EN again, waited on hold about XXXX minutes before speaking with a CS rep who told me she could n't help me and would need to transfer me to claims. After about 40 minutes on the phone with claims, they forced me to open a claim when all I wanted was for someone to put another credit on my account until XXXX finished their refund. Claims rep told me to check my account Monday XX/XX/XXXX for the claims credit. Come Monday XX/XX/XXXX there is still no credit on my account from EN or XXXX. I call EN AGAIN. 47 minutes waiting for an answer and an hour on the phone with a CS rep I finally get a supervisor named XXXX who puts another memo credit on my account and assures me she will keep on an eye on my account until everything is righted. On Tuesday, XXXX, XXXX 's refund and the claims credit posts to my account. I now have XXXX credits on my account. Wednesday XX/XX/XXXX the second memo credit expires. On Thursday, XX/XX/XXXX the claims credit is removed from my account and now I only have the refund from XXXX, which is all that should be there. Thursday XX/XX/XXXX, EN has deducted ANOTHER {$480.00} from my account. I spent 2 hours and 37 minutes on the phone with a claims rep and a claims account manager who both insist that this is my fault and everything on their end is correct. I was meticulous in keeping records on my account during this entire process and am 100 % sure that EN has taken an extra {$480.00} from account that they refuse to give back.",,Consent provided,Web,2016-09-08,Closed with monetary relief,Yes,Yes,CR2102501,1780
2016-09-08,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX XXXX, I purchased a service contract through XXXX XXXX for technical support on my computer for 3years for {$390.00} On XXXX XXXX XXXX, they contacted me by phone to inform me that they 're going out of business and they would like to refund my originally purchased price. The individual that i was talking to, informed me that they are unable to complete the wired transfer and asked me for my personal banking information so he could complete the wire transfer and assured me that it was completely safe. After that wired transfer was supposedly complete, they asked me to verify the amount of the transfer, the amount was {$2400.00}. 
They informed me that the transfer was an error and they sent me {$2000.00} too much. The person that i talked to claimed that if i dont returned me the {$2000.00}, his job will be in jeopardy and asked me to return it via XXXX through XXXX. Feeling sorry for this individual, i did as they asked. 
The next day, i discovered that they were able to transfer {$1900.00} from my credit card through my savings account to make it looked like that it was a wired transfer from them with the excessed amount. I immediately went to Eagle National Bank to file a complaint, they informed me by letter that it was my error that caused this problem and they were not liable. I asked them for reconsideration and again i received a letter stating that i benefitted from this transaction and they feel like they 're not liable. At no time did i authorized XXXX XXXX to transfer funds from my credit card to my checkings, they were able to do this on their own to make it look like it was a wired transfer from them. 

Anything you can do for me for this matter will be greatly appreciated. Clearly was online banking fraud. 

Sincerely, XXXX XXXX",,Consent provided,Web,2016-09-08,Closed with explanation,Yes,No,CR2100744,376
2016-09-08,Bank account or service,Checking account,Deposits and withdrawals,,"Recently i deposited my employer 's pay check through mobile online banking application to my Eagle National Bank checking account on XXXX, but the bank put it in hold my available funds until XXXX at XXXX. My employer use XXXX for his pay checks. I have had my EN account for 10 months without any overdraft",,Consent provided,Web,2016-09-08,Closed with explanation,Yes,No,CR2101701,843
2016-09-08,Bank account or service,Checking account,Using a debit or ATM card,,"XXXX 2016 I traveled from XXXX to Arizona, XXXX and XXXX my longest stay was XXXX, I traveled back to XXXX XXXX XXXX, 2016. I personally used my debit card twice both to withdraw money from an ATM both for the total of {$100.00} on XX/XX/XXXX. While traveling and while in XXXX I noticed that my card was being used in XXXX XXXX for a total of {$140.00} all unauthorized transactions. I logged into my online banking while on vacation daily to see the transactions posting, I was previously told by my bank in different occasions that I can not entered a fraud claim for transactions that have not posted. I waited until all transactions posted and cleared and called my bank to report the claim by which time I was already bank in XXXX. 
The first report was done of XXXX XXXX, 2016 Eagle National Bank sent me a fraud statement and a letter saying my claim was received on XXXX XXXX and gave me provisional credit in the total of {$140.00}. I received two different letters on XX/XX/XXXX and later on XX/XX/XXXX stating that my provisional credit was going to be reversed, reversal of the credits happends on XX/XX/XXXX. I reentered the claim from XX/XX/XXXX-XX/XX/XXXX in total of XXXX claims which all got denied and the money until this day has not been put back into my account. 
I have no merchandise for the {$140.00}, I did not purchase anything from XXXX and I did not traveled to XXXX in the days in question. I have been more than corporative with Eagle National Bank regarding this issue, I have called numerous of times spoke to different people regarding this claim, received the same excused over and over. There reason for denying the claim is that "" no posting error happened ''. Last called I made on XXXX/XXXX/2016 the representative from Eagle National Bank I spoke to provided me a more detailed information as to why my claim was denied she mentioned the following. 
1. I logged into my account online on multiple days ( I did so because I was waiting for the transactions to post as I was advised before that the transactions need to post prior to me calling and report the claim ) 2. I did not block my card in time ( I was out of the state and did not want to be without my card, I had taking cash out of the ATM to cover me for the days I was out ) 3. It took me long to file the claim ( I did not report it in time because I was waiting for ALL of the transactions to post ) 4. I did traveled to XXXX ( I did not traveled to XXXX AT ALL and I have my flight information as prove which I have mentioned I can provide them a copy ) 5. My chip card was used and nobody could had figured out my password ( I have had previous fraud on a chip card before and my password was also compromised and used with the card and that reason was never giving to me before ) This entire claim has been poorly handled by Eagle National Bank. I never authorized the transactions, I have never travelled to XXXX AT ALL not even on the days in question, I have no merchandise for whatever was purchased and my card was in my possession the entire time. I will like this matter handled and my money back into my account for the full amount of {$140.00}. I have mentioned before that I am willing to prosecute whoever did the transactions. I should not have to go through this headache of retrieving all of this information and doing the leg work for Eagle National Bank when I know the transactions where not authorized by me and where not done by me at all. I am very dissatisfied with the services I have received during this claim and I will be considering closing my accounts with this bank. The poor service I received is ridiculous, I have never experience a mishandling of a claim this badly. Once again I do not have any merchandise that was purchased totaling {$140.00}, I have never travelled to XXXX, I have no knowledge of the suspect and my card was in my possession the entire time.",,Consent provided,Web,2016-09-08,Closed with explanation,Yes,No,CR2099762,2570
2016-09-08,Credit card,,Rewards,,"Eagle National Bank sent me a targeted offer of XXXX miles if I opened a credit card with them. They approved the card, and I completed the minimum spend. I received XXXX miles. I filed a complaint with them, and they told me I had to apply for a credit line increase to get the remaining XXXX miles, as I did not have sufficient deposit and investment accounts with them. The promo material for this offer does not include the stipulation that I have to have certain investment or deposit accounts with them to receive the offer as promised. I have been a Eagle National Bank customer for many decades, having XXXX accounts and a mortgage. My credit score is well above average. They then told me if I requested a credit line increase in three months, the missing miles would be credited. But what they did not tell me was that I would have to let them run my credit for a second time, and reduce my credit score by doing this. This information was left out. Since my credit score will be the same in three months as it was when I applied, they are showing that they are not intending deliver the miles that were promised when I signed up for their offer. This is an unresolved issue, and is unfair.",,Consent provided,Web,2016-09-08,Closed with explanation,Yes,Yes,CR2100670,396
2016-09-08,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-09-08,Closed with explanation,Yes,Yes,CR2101240,2240
2016-09-08,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-09-08,Closed with explanation,Yes,Yes,CR2102304,1875
2016-09-08,Credit card,,Other,,,,Consent not provided,Web,2016-09-12,Closed with explanation,Yes,No,CR2101247,10997
2016-09-08,Credit card,,Credit determination,,,,Consent not provided,Web,2016-09-08,Closed with explanation,Yes,No,CR2101515,3445
2016-09-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-09-08,Closed with monetary relief,Yes,No,CR2100956,2406
2016-09-08,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-09-08,Closed with explanation,Yes,No,CR2102072,1480
2016-09-08,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-09-08,Closed with monetary relief,Yes,No,CR2101083,1641
2016-09-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-09-08,Closed with explanation,Yes,No,CR2100815,1102
2016-09-07,Bank account or service,Checking account,"Account opening, closing, or management",,"Being billed by a fitness center without a billing agreement. Eagle National Bank did not respond to last complaint. Seeking the closure of both checking accounts in my name at Eagle National Bank. Seeking reversal of all XXXX XXXX charges on accounting and subsequent service/overdraft fees. Eagle National Bank is difficult to contact regarding filling of claim, with phone hold times exceeding an 1.5 hours.",,Consent provided,Web,2016-09-07,Closed with explanation,Yes,Yes,CR2098013,1402
2016-09-07,Bank account or service,Checking account,Problems caused by my funds being low,,"I was charged an overdraft fee for XXXX cents really??? That is ridiculous and unnecessary. 
XXXX/XXXX/2016 Show additional information for activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING DATE ... 
activity type bank charge status type icon reconciled Reconciled. Select to mark activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE ... as Cleared XXXX XXXX XXXX/XXXX/2016 Show additional information for activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX CA XXXX RECURRING activity type debit cards status type icon reconciled Reconciled. Select to mark activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX CA XXXX RECURRING as Cleared XXXX XXXX",,Consent provided,Web,2016-09-07,Closed with monetary relief,Yes,No,CR2099779,8432
2016-09-07,Bank account or service,Checking account,Problems caused by my funds being low,,"We had a checkbook stolen from a desk at work. Several checks were written by the thief to "" Account Holder '' and were cashed. A freeze was placed on our account at Eagle National Bank. To freeze the account, they put a {$880000.00} charge on the account causing us to be overdrawn by over {$800000.00}. We called on XXXX XXXX to report the issue. I sat on hold for over an hour. I spoke with someone who looked at the account and could not figure out who/what placed the hold on our account. He then said he had to transfer me to "" Check Fraud '' ( which was who I thought I was calling in the first place ). I waited on hold for 30 more minutes and no one answered. My husband, at this same time, stopped at a Eagle National Bank branch. The branch manager tried to help by opening a new account for us. But, he was not allowed to transfer OUR money to the new account and close the old one because of the "" Freeze ''. He called the "" Check Fraud '' department and sat on hold for over an hour, himself. My husband had to go back to work, so they gave up. We called back again last night and waited on hold for over 90 minutes ( all call logs will be attached to this message ). This morning ( XXXX XXXX ) I am seeing MORE fraudulent/stolen checks clearing our account. I have been on hold, so far, for 18 minutes as I write this complaint. No answer. We have no access to bill pay, automatic payments, nothing. We are being treated like the criminals in this situation with no lifeline from the bank. If you 're going to freeze assets in an account, you had better have someone available to assist as soon as I call the first time. The fact that we ca n't reach ANYONE who can investigate and make us whole after the bank allowed a stranger to cash checks is a crime in and of itself. My next call is to a local news station. I want access to my money so I can close the accounts and move all business to my credit union. As of right now, a criminal has access to all the money he needs from my account, but I ca n't have access?!",,Consent provided,Web,2016-09-07,Closed with monetary relief,Yes,Yes,CR2099511,651
2016-09-07,Credit card,,Payoff process,,Eagle National Bank refuses to report my BofA CREDIT CARD XXXX with them as paid off to the credit bureaus. they also refuse to report the credit history of this account to the XXXX major credit bureaus. this has hurt my credit and caused me damages. I have spoke to the XXXX major credit bureaus but they say they are not at fault because they can only report what Bofa sends them.,,Consent provided,Web,2016-09-09,Closed with explanation,Yes,No,CR2100028,564
2016-09-07,Credit card,,Billing disputes,,"I disputed a charge on my Eagle National Bank credit card and provided copious documentation to support my dispute. EN denied my dispute without requiring any information from the merchant OR providing me a valid reason why the documentation I provided was not sufficient. XX/XX/2016 I ordered an engraved cremation urn. Merchant engraved incorrectly. In my order I requested the name to be in ALL CAPITALS. Merchant did not do this. I initially tried to resolve with the merchant who refused to call me back or respond to emails, which necessitated the dispute. In my dispute I provided EN a copy of my order which detailed the engraving request and pictures of the item received which CLEARLY show that the name was not engraved in all capitals. I also provided an outline of all my attempts to contact the merchant. EN initially removed the credit card charge, but then requested that I find a third party expert to inspect the urn ( in person ) and provide written documentation to support my dispute. I responded to EN, in writing, that this was not reasonable ( I did not know a local merchant who specialized in urns or who would be willing to get involved in my credit card dispute ). I outlined all of the documentation I had previously provided. I also asked EN to provide me with the merchant 's response to my dispute, in addition to any documentation the Merchant was requested to provide to support that they fulfilled my order as requested ( to date, the Merchant still has not provided me with the item I ordered, for which I was charged {$140.00} ). Without any response to my written response/request for information, EN arbitrarily denied my dispute. In summary, my complaint is that EN did not demonstrate due diligence in their "" investigation '' of my dispute. They totally disregarded the documentation I provided, they did not respond to MY request for information regarding their investigation of my dispute, they did not require the Merchant to provide documentation that my order was fulfilled as requested and overall did not protect my rights as their customer.",,Consent provided,Web,2016-09-07,Closed with monetary relief,Yes,Yes,CR2098329,4187
2016-09-07,Credit card,,Other fee,,"I had a XXXX, which was serviced by Eagle National Bank. I paid off the current and outstanding balance of {$6600.00} on XXXX/XXXX/2016. On XXXX, I get an email stating the current balance is {$110.00} as interest was charged. How can interest be charged when I paid the entire balance? I called and was told the outstanding balance is not the payoff on their credit cards. What? Never heard of that before with a credit card. A loan .. Yes .. but not a credit card. I paid the payoff of {$110.00} and closed the card, but I do not believe them and they could not give me proof. I 'm wanting to warn others so they do not get hit with interest when they too think they are paying off a card. I 've paid off a number of cards in my years and this is a first for me.",,Consent provided,Web,2016-09-07,Closed with explanation,Yes,No,CR2099123,4428
2016-09-07,Credit card,,Customer service / Customer relations,,"I GOT MY ALLY CASH BACK XXXX CREDIT CARD ON XXXX XXXX. I HAD GIVEN MY CREDIT CARD ACCOUNT TO XXXX FOR MONTHLY PAYMENT. XXXX WAS TRYING TO TAKE MONEY ON XXXX XXXX, BUT THIS BANK REFUSE THEM. AL THOUGH I ACTIVATE THIS CREDIT CARD IN XXXX.BUT THIS BANK HOLD MY CREDIT CARD ACCOUNT WITH OUT INFORMING ME. I DO NOT THEIR CUSTOMER SERVICE. THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER. ALTHOUGH, I MADE PAYMENT ON THEIR WEB SITE ON XXXX FOR FIRST STATEMENT FROM MY CHECKING ACCOUNT. THEY CAN NOT CONFIRM MY PAYMENT. THIS BANK DID NOT TOOK OUT MONEY FROM MY CHECKING ACCOUNT AS OF XXXX. GENERALLY, CREDIT CARD BANK TOOK TWO TO THREE DAYS TO WITH DRAW FROM OTHER CHECKING ACCOUNT. BUT THIS BANK TOOK MORE THAN A WEAK. THIS CREDIT CARD WAS ISSUED BY Eagle National Bank, NEW JERSEY. I DO NOT APPRECIATE THEIR CUSTOMER SERVICE AT ALL.",,Consent provided,Web,2016-09-07,Closed with explanation,Yes,Yes,CR2097313,5761
2016-09-07,Credit card,,Other,,I paid a Eagle National Bank ( Target Credit Card ) judgement in 2014. They evidently filed a XXXX for a portion of the balance. I did not receive the XXXX and as far as I can tell they never even made an effort to sent it to me. The did send it to the IRS. I just received a letter from the IRS with my income adjusted for the additional amount and it made me owe {$560.00} more in taxes. I feel that I should have received the XXXX so I could include it on my tax return. This came out of nowhere and I was not even sure it belonged to me as I had no knowledge of an account with Eagle National Bank until several phone calls and transfers later and I finally spoke to someone that said it was a Target card and then I knew what it was about.,,Consent provided,Web,2016-09-07,Closed with explanation,Yes,Yes,CR2098632,2537
2016-09-07,Credit card,,Billing disputes,,"I was overcharged an insurance premium ACH on my Nordstrom XXXX Card. I 've had my card for 12 years and never disputed a transaction before now. Customer service told me to download and print ( print! ) their dispute form, fill it out by hand and fax it ( FAX???? ) to them. They will review it within 30 days. I 'm disputing over {$2000.00} and this is how responsive they are.",,Consent provided,Web,2016-09-07,Closed with explanation,Yes,No,CR2100428,4550
2016-09-07,Credit card,,Credit determination,,,,Consent not provided,Web,2016-09-07,Closed with non-monetary relief,Yes,No,CR2099867,1217
2016-09-07,Credit card,,Other,,,,Consent not provided,Web,2016-09-07,Closed with explanation,Yes,No,CR2099653,1999
2016-09-07,Credit card,,Identity theft / Fraud / Embezzlement,,,,Other,Web,2016-10-20,Closed with explanation,Yes,No,CR2096072,4105
2016-09-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-07,Closed with explanation,Yes,No,CR2100024,1282
2016-09-06,Bank account or service,Checking account,Problems caused by my funds being low,,"I was fined {$70.00} in overdraft fees for XXXX payments. The payments were reordered in such a way that I was charged XXXX fees, even though there was enough money in the account to clear XXXX payment. second, I had {$4500.00} in deposits come in the next day ; those payments were supposed to come in on the XXXX but instead were posted the XXXX, which is what made my checks totaling {$1500.00} bounce on the XXXX. I contacted Eagle National Bank multiple times and they refused to revisit the fees, even telling me that they purposely reorder payments from high to low despite stating publicly that they stopped doing that in 2013. I was directed to the depositor agreement, which merely states that they have discretion to order however they want, it does not say they order from high to low. They further started that i am not entitled to a copy of the recording of the conversation.",,Consent provided,Web,2016-09-06,Closed with monetary relief,Yes,No,CR2097502,3700
2016-09-06,Bank account or service,Savings account,"Account opening, closing, or management",,"Last month I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email stated the "" waiver '' I have been receiving is being removed.This concerns me since I am a XXXX with medical issues and limited resources My daughter had the same issue, filed a complaint and received a call back promptly and an email. I have now called and left voice mails numerous times since last week with no answer nor call back, The # of the XXXX employee XXXX assigned to my complaint is XXXX ext. XXXX and her voice mail is not clear so last name is not discernible. She called me one time and never sent me an email to communicate. Again I have been calling an entire week leaving messages. Please have someone call and email me back immediately to get this situation handled before my cycle date. I would like a 1 year waiver such as which was granted to my daughter.Everything was clearly stated on my complaint and so I am not sure if the XXXX employee no longer works there or just does not return calls. Please have someone else reliable contact me from the XXXX customer service as the # I was given by XXXX is not the same department that handled my daughters complaint nor in the same time zone.Thanking you for out attention to this matter.",,Consent provided,Web,2016-09-06,Closed with non-monetary relief,Yes,No,CR2096055,2054
2016-09-06,Bank account or service,Other bank product/service,Deposits and withdrawals,,"My mortgage is held by Eagle National Bank. My home suffered damage during hurricane XXXX in XX/XX/XXXX. My home was insured through FEMA, and I obtained an SBA loan because the funds from FEMA were insufficient. I made the repairs to my home. Eagle National Bank inspected the property and released the FEMA funds. In XX/XX/XXXX FEMA reviewed the NY losses and found homeowners were not properly paid and issued the additional monies owed. The check issued names the homeowner, Eagle National Bank and SBA. The procedure is to go to your local branch and have the check endorsed, and then submit the check to SBA. Eagle National Bank is refusing to endorse the check, and causing me tremendous hardship. The other major banking institutions such as XXXX and XXXX XXXX, are endorsing at the branch ; Governor XXXX had passed a mandate to facilitate payments at the local level to help XXXX victims and Eagle National Bank has chosen to disregard this mandate. Also, there is not one specific person to speak to, every time I call there is a different story. Initially I endorsed the check and sent it to Eagle National Bank for endorsement, they held the check for XXXX month and when my public adjuster called and explained the situation they mailed the check back without endorsing it. Each time I call Eagle National Bank they claim their system was not documented and we have to rehash the same information. I have submitted the FEMA documentation, my contractors certificate of completion and presented the check. It appears that Eagle National Bank is setting up arbitrary rules and impeding the processing of the check.",,Consent provided,Web,2016-09-09,Closed with explanation,Yes,No,CR2097073,5965
2016-09-06,Credit card,,Advertising and marketing,,"Eagle National Bank listed an offer for the BankAmericard Cash Rewards Card. In order to entice me to apply for this card, the card benefits offered were : {$0.00} annual fee ; {$100.00} online cash rewards bonus offer ; 1 % cash back on every purchase, 2 % at grocery stores and now at wholesale clubs and 3 % on gas for the first {$2500.00} in combined grocery/wholesale club/gas purchases each quarter Calculate rewards Cash Rewards Low Introductory APR offer Show details Cash Rewards Get a 10 % customer bonus every time you redeem into a Eagle National Bank ( R ) checking or savings account. If you 're a Preferred Rewards Cash Rewards client you can increase that bonus to 25 % or more. 

I applied for the card and logged into Eagle National Bank 's website to check on the card and noticed that I was charged a {$39.00} annual fee. I contacted Eagle National Bank and was advised by a rep that the they could not remove the {$39.00} fee and that the card also did not include the {$100.00} online cash rewards bonus offer. The Eagle National Bank rep advised that this was based on a credit decision. 
However, the whole purpose of me applying for that particular cash back card over other credit card offers was because of the {$0.00} annual fee offer and the {$100.00} online cash rewards bonus offer. Eagle National Bank did a bait and switch, offered services for signing up on the card, then issued the card, and refused to abide by the terms of the offer, arguing that its based on credit decision. Well, I was approved, and in fact issued a credit card, the same credit card I applied for. Therefore, the offers should have accompanied that card. Instead, Eagle National Bank ran my credit, reducing my credit score, knowing that they were not offering those benefits on the card.",,Consent provided,Web,2016-09-06,Closed with monetary relief,Yes,No,CR2096392,558
2016-09-06,Bank account or service,Checking account,"Account opening, closing, or management",,"At XXXX, I discussed my overdrawn commercial act with local Eagle National Bank personnel who was very helpful and refunded half ( around {$50.00} ) the overdraft fees I had accumulated over the past 61 days of inactivity. 
At XXXX on Tuesday, XXXX/XXXX/16 I deposited {$750.00} into the same commercial act. Later that same day I checked the account through the online EN Bank app and saw that the first {$100.00} of the deposited check had been made available ; half paid the outstanding fees and roughly half showed up as the account balance. 
On Wednesday, XXXX/XXXX/16, the commercial account no longer existed on my EN Bank app. I went to the branch and they told me the account had been closed due to 60days of inactivity with a negative balance. So I asked them to deposit the check into my personal account. 
On Tuesday, XXXX/XXXX/16, I still have not seen the check deposit show up in my account and was told that it still had not cleared. I complained. 
I think the offsite, non-branch personnel closed the account knowing that there was a recent deposit because they did not agree to refunding back some of the overdraft fees. 
I think they are withholding funds until they figure out ( and agree ) to charge me the full outstanding charges on the closed account. 
* The bank manager just called ( XXXX/XXXX/16 ) and said they would deposit an amount, less half the outstanding fees, as agreed to in the beginning. Yeah! 
In this instance, I think the local branch personnel who are generally very professional and customer-oriented were able to convince the offsite people to relent.",,Consent provided,Web,2016-09-06,Closed with monetary relief,Yes,No,CR2096419,1490
2016-09-06,Bank account or service,Checking account,"Account opening, closing, or management",,I tried to close my account with EN Bank but every time I tried I was thwarted. I believe this was intentional.,,Consent provided,Web,2016-09-06,Closed with monetary relief,Yes,No,CR2098096,4010
2016-09-06,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank has been locking me out of my savings and checking accounts if I do n't complete a transaction at least every 6 months. They claim the are protecting me by assigning the account an "" inactive '' status. THEN, in order to get it activated, I have to call their XXXX number and fight with them to prove my identity. NO personal data, PIN, or ATM card number is sufficient ( SSN, DOB, account number, nor are ATM transactions, past checks, or other evidence acceptable ). ONLY an electronic debit of some sort is acceptable to prove my identity, OR a trip to a bank branch and a wait for a bank officer. Since I can not log in, I can not obtain that information, which, by definition has to be more than 6 months old Even though I get printed statements, they 're often buried in boxes, and finding the particular type of information -- if it even exists -- is darn near impossible. Their phone staff is adamant, however, including their Supervisors. Going to a branch is sometimes impossible if I am traveling in a city where they have no branch services. I have quite a few accounts with Eagle National Bank, and in some, a fair amount of funds on reserve. Are they allowed to deny me all access to my funds because I have not used an account for 6 months plus 1 day? That seems illegal. Other banks that I do business with use a 1-year inactivity threshold, AND they are more reasonable and realistic and professional when dealing with them. I am an older person, and using my accounts less and less, so I think Eagle National Bank is preying on older Americans for whom in-person banking can be a tremendous challenge.",,Consent provided,Web,2016-09-06,Closed with explanation,Yes,No,CR2098047,3461
2016-09-06,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank is deceptively advertising new checking account bonuses which are impossible to receive for anyone, like myself, that receives Social Security Benefits due to their terms, despite the fact they specifically mention Social Security. I was about to open an account after visiting their website, however after reviewing the terms and visiting XXXX I can NOT have a Direct Deposit even start until 2 weeks beyond the allotted time frame of 60 days from account opening. Furthermore XXXX of the bonuses would need not only XXXX Direct Deposit from Social Security but at least XXXX or more or perhaps even more for other recipients. As of today XXXX/XXXX/16 the options from Social Security are : When would you like this change to take effect? 
Starting with my payment in XXXX 2016 Starting with my payment in XXXX 2016 Yet their terms, link below, state the following : XXXX "" *Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at Eagle National Bank, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a EN Premier CheckingSM account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening. {$150.00} bonus available to eligible new personal checking Customers when opening a EN Convenience CheckingSM account with cumulative direct deposit funds of {$500.00} or more into the new account within 60 days of account opening. Qualifying direct deposits are recurring electronic deposits of your paycheck, pension or government benefits ( such as Social Security ) from your Employer or the Government. Person-to-Person and bank transfers between your Eagle National Bank accounts or accounts you have at other financial institutions or brokerages do not qualify. Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 95 days from account opening. Account must remain open, active, in good standing, and in the same product type through the qualifying period to receive the bonus. Bonus will be reported as taxable income to the IRS on a XXXX. Offer may be withdrawn at any time and is subject to change. One bonus per Customer and can not be combined with any other offer. Eagle National Bank employees and XXXX cross-border banking Customers are not eligible. '' Their offer is not only false & deceptive but also discriminates against any Social Security recipent.",,Consent provided,Web,2016-09-06,Closed with explanation,Yes,Yes,CR2095284,3573
2016-09-06,Credit card,,Billing statement,,"I wanted to report a SYSTEMIC DECEITFUL PRACTICE OF EN CREDIT CARD SERVICES. While a majority of the credit card companies out there, send you alerts before the payment is due, EN CARD SERVICES DOES NOT SEND ALERTS BEFORE PAYMENTS ARE DUE BY EMAIL ( THEY DO N'T ALLOW EMAIL ALERTS, FIRST PROBLEM, THEY DO IT ON PURPOSE TO MAKE PEOPLE LATE ON THEIR PAYMENTS ) ; BUT EVEN WHEN YOU GO ON THEIR WEBSITE TO SET ALERTS ( WHICH IT SELF IS A COMPLICATED PROCESS, WITH ALL SORTS OF MATHEMATICAL OPERATIONS, AT LEAST TO THE LAY PERSON ), THEY GO BACK IN THERE, AND DELETE ALL THE ALERTS YOU SET UP. SO IN EFFECT, EN CREDIT CARDS DELETES ALL THE ALERTS YOU SET UP ON YOUR EN ACCOUNT ( ON THEIR WEBSITE ), INCLUDING PAYMENT DUE DATE ALERTS, TO DELIBERATELY MAKE PEOPLE LATE ON THEIR PAYMENTS. I RECEIVE ALERTS FROM EVERY OTHER CREDIT CARD COMPANY A FEW DAYS BEFORE MY PAYMENT IS DUE, EXCEPT FROM EN CARDS ; THEY PURPOSELY REFUSE TO SEND OUT ALERTS, THEY SAY THEY ALLOW YOU TO SET IT UP ; BUT WHEN YOU SET IT UP, WITHOUT YOUR PERMISSION, THEY GO INTO YOUR ACCOUNT AND DELETE THOSE ALERTS, BECAUSE THAT 'S WHAT HAPPENED TO ME ( I REMEMBER SETTING IT UP, THEN HAVING IT DISAPPEAR, I 'M ASSUMING, THEY 'VE DONE IT ON PURPOSE, BECAUSE IT SEEMS CONSISTENT WITH THEIR OVERALL BUSINESS PRACTICE, BUT NEEDS TO BE INVESTIGATED FROM YOUR PART TO MAKE SURE, IT 'S NOT AN ISOLATED INCIDENT ). I HAVE LOST HUNDREDS OF DOLLARS, BECAUSE I GET NO CORRESPONDENCE FROM Eagle National Bank AS TO WHEN MY PAYMENTS ARE DUE! I AM NOT SURE HOW THIS CORRUPT COMPANY IS ALLOWED TO OPERATE IN AMERICA, BUT THEY NEED TO BE HELD RESPONSIBLE FOR THEIR WRONGS!",,Consent provided,Web,2016-09-06,Closed with monetary relief,Yes,Yes,CR2096780,1741
2016-09-06,Credit card,,Late fee,,to rooms to go credit card i will like to inform you that I do not agree with all the fees your company is charging me. All started when I got my furniture from rooms to go the agent who help me get these stuff gave me a paperwork where i have to make my payment on the paperwork it was clear my payment must be made through SYN-CHRONIC BANK. Imade few payment through them until my bank notified me they are reseeding all my payment I made ( please see attached ). Since that day it is been a nightmare to make a payment on XX/XX/2016 I called on XX/XX/XXXX to make a payment through the electronic system. Guess what i could not make a payment because someone type my zip code wrong XXXX instead of XXXX that was my nightmare until XX/XX/2016 where i keep calling to make a change on my address so i can make my payment Like they told me my payment is XXXX I will keep making this payment until the furniture is paid off i m not going to pay the late fees you guys are charging me for your own fault,,Consent provided,Web,2016-09-20,Closed with monetary relief,Yes,Yes,CR2097664,5965
2016-09-06,Credit card,,Transaction issue,,,Older American,Consent not provided,Web,2016-09-06,Closed with explanation,Yes,No,CR2095250,1581
2016-09-06,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-09-06,Closed,Yes,No,CR2098003,905
2016-09-06,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-09-08,Closed with explanation,Yes,No,CR2095483,1386
2016-09-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"For several years I have tried to get my home loan modified. Wells Fargo has taken me through the ringer and I have not gotten the assistance I need. I have re-submitted the requested documents several times, to keep my home from being foreclosed. I think this has occurred 4 times, most recently this year. My loan keeps increasing. I could barely pay it when it was {$2000.00} now it is {$2300.00}. I requested several times to get a fixed rate and to get a mortgage that was more affordable.",,Consent provided,Web,2016-09-09,Closed with explanation,Yes,No,CR2095271,2105
2016-09-05,Bank account or service,Checking account,Using a debit or ATM card,,I lost my whole wallet with all my I 'd social security card in there and that how someone got hold to my account information,,Consent provided,Web,2016-09-08,Closed with explanation,Yes,No,CR2095657,6112
2016-09-05,Credit card,,Closing/Cancelling account,,"Eagle National Bank closed my account without sending me a correspondence regrading as to why they close it, i called customer service on XXXX/XXXX/XXXX and the representative told me he does n't know as to why it got closed the only reason he could tell me is I had late payments on the credit card. I asked if the only reason to open it is to reapply again and the rep said yes. the reason why i got late payments is I got XXXX and could n't pay it, I payed the credit card on XXXX/XXXX/XXXX for {$230.00}. I feel that I got discriminated on this matter and treated unfairly.",,Consent provided,Web,2016-09-05,Closed with explanation,Yes,No,CR2095469,436
2016-09-05,Credit card,,Other fee,,"In XX/XX/XXXX, I got a new cc from AAA ; it was issued by Eagle National Bank. I signed up for automatic payments of my billed balance, as I do for all my Credit Cards. For the first couple months, they did it wrong and only took out the minimum even though the phone rep and I could see the full amount was supposed to be taken out ; Part of this is EN 's confusing terminology, which I 'm sure causes many customers the same error of selecting the wrong option to have the full balance due withdrawn ( and I 'm sure EN charges interest on those who do n't complain! ). I called, and they corrected and refunded the erroneous interest charge. After the second month of that nonsense, I cancelled the auto payment because EN 's system was obviously screwed up and paid the full amount that was n't deducted of the previously due balance ; again the erroneous interest was credited back to my account. I had a bad feeling when the amount I 'd paid was n't removed from the bill I got, but since I had already cancelled the automatic payment, I felt I was in the clear to pay the amount due prior to the due date and all would be copacetic. The XX/XX/XXXX payment situation was WORSE : On XXXX XXXX, I paid the full amount that should have been billed had the prior month balance been deducted as it should have ( and it was when I had it at my prior complaint call ) ; my XXXX XXXX payment paid the full amount of the billed statement well before the XX/XX/XXXX due date. On XX/XX/XXXX, less than {$40.00} in new charges were then left on the account. Nonetheless, on the XXXX XXXX payment due date, EN withdrew the entire {$880.00} they had erroneously billed even though I 'd ALREADY paid it in FULL by XXXX XXXX -- AND there was only a total of {$40.00} remaining charged to the account. Is n't this ILLEGAL?? EN should be fined. As a result, my bank charged me {$60.00} in "" courtesy payment fees '' for covering the actual bill payments that were supposed to be deducted by XXXX of my other credit cards. I asked EN to refund their erroneous collection of {$880.00}, which they did, but it took 7 days ( creating half the {$60.00} courtesy fees ). AND I asked for the {$60.00} in fees charged by my credit union to be refunded to me since they were cause by EN 's erroneous withdrawal from my account. Both a EN phone rep and supervisor refused and would not give me any additional person to contact, though the supervisor supposedly sent a complaint on my behalf to unnamed person or dept in EN. She also told me EN does not even have a mailing address available for me to write to them and complain, and their online complaint form is so well hidden I can not find it on my own. I want EN to refund me the {$60.00} in fees and also pay me {$500.00} for the stress and duress this has caused me and the damage to my credit rating. Further, this loss of {$60.00} is causing me to have to locate sufficient funds to pay my XX/XX/XXXX bills while I wait for the delay in EN 's refund of the {$60.00} fees charge they owe me.",Older American,Consent provided,Web,2016-09-05,Closed with monetary relief,Yes,No,CR2095611,2916
2016-09-05,Credit card,,Billing disputes,,"I made a payment to my Ally XXXX Credit card on XXXX XXXX of {$470.00} from my Ally Checking to make a ZERO Balance. With no authorization, Ally XXXX XXXX made a withdrawal from my checking account of {$470.00} leaving me a credit balance of the same. I have spoke to them on XXXX XXXX and today, but they can not inform me when they can return the XXXX payment to me checking account. I have closed the account with tne.",Older American,Consent provided,Web,2016-10-14,Closed with explanation,Yes,No,CR2095334,5081
2016-09-05,Credit card,,Transaction issue,,,Older American,Consent not provided,Web,2016-09-05,Closed with explanation,Yes,Yes,CR2095590,11123
2016-09-05,Credit card,,Credit determination,,,,Consent not provided,Web,2016-09-05,Closed with non-monetary relief,Yes,No,CR2095638,565
2016-09-04,Bank account or service,Checking account,Deposits and withdrawals,,"Hello, There was a unauthorized bank withdrawal transaction to my account and after the fact my direct despoit check ; from my XXXX Job is gone because the bank says I owe them money. Please help me get my XXXX plus dollars back.",,Consent provided,Web,2016-09-04,Closed with explanation,Yes,No,CR2095513,3032
2016-09-04,Bank account or service,Checking account,Deposits and withdrawals,,"On XX/XX/2016 I filed a claim with Eagle National Bank because fraudulent charges in the amount of {$24000.00} were made to my Eagle National Bank checking account. My claim was denied 4 times. The first time they said it was denied because I waited a month to report the fraud. But my bank imformation was stolen and the person who stole it made it so I would not be alerted of any of the transactions. Once I realized this Eagle National Bank advised me to file a police report. Which I did with XXXX, XXXX Detective XXXX XXXX ( XXXX XXXXXXXXXXXX ) an arrest warrant was issued for the man XXXX XXXX who stole my funds. XXXX XXXX Is wanted in XXXX and XXXX for criminal impersonation and fraud, but EN did n't seem to take that information into consideration. Once again EN denied my claim because they said I checked my online banking statements. When it was XXXX who was checking them. The final time EN denied my claim they told me they had records of a phone call stating I approved transactions made on my account. But they did not have voice recording proof. They also have several ATM videos of XXXX taking thousands of dollars out every day. They are not using that as evidence. I have been going back and forth with EN since XX/XX/XXXX and they have been nothing but rude to me and treating me as though I am a criminal when I am the victim. On XX/XX/2016 EN contacted me and said my claim was denied for the final time and I would not get my funds back unless XXXX XXXX was taken into custody.",,Consent provided,Web,2016-09-04,Closed with explanation,Yes,No,CR2095653,2567
2016-09-04,Credit card,,Closing/Cancelling account,,Eagle National Bank has reduced and closed all of my credit accounts. This occurred 14 days after filing a complaint with the CFPB. I am asking that this be investigated as I believe that EN is acting in a retaliatory fashion based on my complaints.,,Consent provided,Web,2016-09-04,Closed with explanation,Yes,Yes,CR2095405,441
2016-09-03,Bank account or service,Checking account,Using a debit or ATM card,,"My debit card was stolen. Within 24 hours the thief hit XXXX ATMs, a gas station and an expensive restaurant. Eagle National Bank has denied the claim saying the thief had the pin and suggested that I had given it to someone, which I had not. Then BOFA said the thief did n't keep checking the balance like most thiefs would (? ) suggesting I did it? They wont even check camera activity. They refuse to provide me access to any investigator, any consistent single contact ( just a customer service associate always from some other city and state ) by first name only. I have written them ( to a fax number ). They wo n't give me any supervisor name or manager name to talk to. When I go into a branch office of BOFA, all they do is pick up the phone and call the fraud department, explain that I am sitting there asking about the claim and then they accept their measly answer of its being investigated or now, the claim has been denied. I am at wits end. Can you please help me? This was a lot of money and it was the only money I had. Now I am in dire financial straits and I am struggling. I am borrowing small amounts of money to get by on to supplement my XXXX income now until I can begin to recover from this somehow, someway. Please, how else can I get BOFA to right this wrong?",,Consent provided,Web,2016-09-03,Closed with explanation,Yes,No,CR2094913,12221
2016-09-03,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX/XXXX/2016 *** 2nd requested *** dear ICFPB and could you tell the EN CEO XXXX XXXX XXXX about my story too plx here we go so I visited Eagle National Bank web at : bankofamerica.com site trying to open a checking account Eagle National Bank still has chose to neglected to honor my request, It appear that Eagle National Bank has decided to discriminate me after all I paid them off in full! see the letter and yet a letter stated that they will have someone in land o lakes fl office contact me and discuss what product they could help me with, I never bother or gotten any letter or phone call by EN local or EN corp.all I got was a rude representative email me to call her and she stated she ca n't help me and she stated Eagle National Bank has rights not to give me a reason why can they help me to open up a new checking account / once again even I have paid them off in full. Poor service with secrets by EN I want the XXXX XXXX XXXX XXXX to read this 2nd complaints against his company Eagle National Bank what a joke!!!",Servicemember,Consent provided,Web,2016-09-03,Closed with non-monetary relief,Yes,No,CR2095119,1852
2016-09-03,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-09-03,Closed with explanation,Yes,No,CR2095072,684
2016-09-03,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-09-03,Closed with explanation,Yes,No,CR2095003,3634
2016-09-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-08,Closed with non-monetary relief,Yes,No,CR2095064,1235
2016-09-02,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I experienced a problem with my personal bank sending an amount of money, through bill pay, to my Eagle National Bank debit card account. My personal bank said the Eagle National Bank bill pay address was not correct and the check meant for Eagle National Bank was returned to my personal bank and marked undeliverable by the USPS. I called Eagle National Bank to find out if they had changed their address so I could give any new address for Eagle National Bank to my personal bank. I was told, by the Eagle National Bank automated voice that I had to wait THREE HOURS on the phone for a customer associate to help me. OR, Eagle National Bank would call me back in THREE HOURS. This is a ridiculous amount of time for me to wait to speak to a bank that has my money and has loads of its own money. I do n't want them to call me back in three hours. I could be anywhere by then and not in the position to discuss sensitive banking information. That is the nature of this complaint : the amount of time Eagle National Bank says I have to wait for help.","Older American, Servicemember",Consent provided,Web,2016-09-02,Closed with explanation,Yes,No,CR2094000,3947
2016-09-02,Bank account or service,Checking account,"Account opening, closing, or management",,"My Eagle National Bank checking and savings accounts are connected so that I can avoid overdraft charges. However, the bank has transferred funds from my savings account and charged me a {$12.00} transfer fee when I was not in danger of overdrawing my account. For example I had {$34.00} in my checking account, on the XXXX of each month, I have {$25.00} transferred to my savings account. After that transfer, I would have had positive balance of {$9.00} left in the checking account, but Eagle National Bank transferred {$21.00} and then charged me {$12.00} for the transfer. It seems Eagle National Bank is determined to find some way to access fees from my accounts. This is the second time Eagle National Bank has done this.",,Consent provided,Web,2016-09-02,Closed with monetary relief,Yes,No,CR2094771,3641
2016-09-02,Bank account or service,Checking account,"Account opening, closing, or management",,"My deceased mother had an account with Eagle National Bank. She died in 2005 we left money in the account for repairs to the house and to pay taxes. There is {$3000.00} in the account on hold by EEU ( inheritance div ) that they could not release until they got a Death Certificated ( provided XXXX, also was previously provided in 2005 along with mother 's revocable living trust and will ). I was co-owner and also power of atty on the account. My brother is also a signatory. No one will help me or tell me what I need to do to get resolution. XXXX tells me the XXXX XXXX has to contact them, XXXX tells me I have to go a EN branch myself ( which I have already done and they referred me back to XXXX ), The XXXX branch of EN tells me XXXX has to handle it. I spoke with XXXX in the XXXX branch who will not pick up the phone and call XXXX, XXXX has already told me that they will not call the personal banker. XXXX did tell me the bank verified my entitlement to deal with EN and get the money, but XXXX at EN XXXX will tell me nothing and do nothing or call XXXX to release the money now that they have the death certificate. All I want to know is why they will not release the funds back to the account, but EN and XXXX are a continuous circle - one refers me to the other and so forth and no one will help or release the funds. We have talked to XXXX 3 times, a different person each time. The first XXXX said all they needed was a Death Certificate, the XXXX could not even find notes for the first 2 calls. Eagle National Bank and XXXX are doing this to keep the money to which my mother 's beneficiaries are entitled. They are now telling me it has to be probated, although I have a pourover transferring everything, including the bank account, into our family revocable living trust at my mother 's death to avoid having to probate. No one will discuss this and tell me what we need to provide in order to get the money back to the account. It is too expensive to file probate 11 years later over a {$3000.00} bank account. The worst customer service I have ever seen, all for the purpose of taking our rightful inheritance. They wo n't discuss with my brother because he is not a co-owner, they wo n't discuss with me because I am not in front of them in XXXX GA ( I live 5 hours away ).",Older American,Consent provided,Web,2016-09-02,Closed with explanation,Yes,Yes,CR2093837,217
2016-09-02,Bank account or service,Checking account,Deposits and withdrawals,,"MY KEY REASON FOR ONLINE BANKING OPERATIONS IS TO AUDIT MY BANK ACCOUNTS FOR ACTIVITIES DAILY DEALINGS WITH BANK EMPLOYEES INTO MY BANK ACCOUNTS. 
XXXX MISSING FROM MY CHECKING ACCOUNT. THE FACTS AS OF XX/XX/2016. 
WITHDRAWALS {$400.00} dollars and SPENT {$20.00} FOR GROCERIES, LEAVING MY CHECKING ACCOUNT BALANCE AT {$120.00}, ADDITIONALLY, AS OF XX/XX/XXXX A CREDIT DEPOSIT CAME INTO CHECKING FOR {$220.00} BRINGING THE ACCOUNT TO {$340.00} THE BANK IS PROCESSING {$220.00} FROM CHECKING TO THE LINKED SAVINGS ACCOUNT WHICH SHOULD LEAVE ME A CHECKING BALANCE OF {$120.00}, BUT THE CHECKING ACCOUNT BALANCE IS ONLY AT {$18.00}, THE ACCOUNT IS MISSING {$110.00}, THIS ALWAYS HAPPEN WHEN BANK EMPLOYEES ARE MAKING TRANSACTIONS INTO MY BANK ACCOUNTS, THANK YOU.",,Consent provided,Web,2016-09-06,Closed with explanation,Yes,No,CR2094032,3491
2016-09-02,Bank account or service,Checking account,Problems caused by my funds being low,,"On XX/XX/XXXX I balled Eagle National Bank because I had incurred a couple of fees. I explained to the representative that I was recently unemployed. He stated that he would credite the fees as a courtesy. So I was very grateful, I understood courtesy as on the bank but what I found out was that they used all of my direct deposits to cover the fees. I ask that the ability to cancel all ACH be applied to my account but according to them it is not possible. I have had so much money in fees taken from me enough is enough.",,Consent provided,Web,2016-09-02,Closed with explanation,Yes,Yes,CR2091564,354
2016-09-02,Bank account or service,Checking account,Deposits and withdrawals,,"There is a double-charge on my Eagle National Bank checking account made in error by XXXX XXXX. XXXX admits the error, but they do n't seem to know how to resolve it nor seem to care. So I attempted 3 times to contact Eagle National Bank to dispute this transaction, but I am put on endless hold and no associate answers the phone. Further, I stopped-in at my local Eagle National Bank branch and they stated that all they could do was put me on the phone and that they too have not been able to reach an associate. This is unacceptable and demand resolution as this double-transaction was not authorized by myself.",,Consent provided,Web,2016-09-02,Closed with monetary relief,Yes,No,CR2093769,630
2016-09-02,Credit card,,Billing disputes,,I charged the wrong item on a sears website by mistake and I called bank American the next day and told them. XXXX had no way to cancel the charge and they did not respond by email until 4 days later. XXXX told me that the charge would be refunded and they sent XXXX out to pick the item up but for some reason bank America will not remove the charge of {$41.00} from my account. I called Friday XXXX XXXX and a lady answered the phone and left me on hold for XXXX MIN. But as of today bank America refuse to remove the charge. I have called bank America many time about this issue.. XXXX were able to get the Money in a New York second but now four weeks later no one has refunded my money.,,Consent provided,Web,2016-09-02,Closed with monetary relief,Yes,No,CR2094618,1099
2016-09-02,Credit card,,Identity theft / Fraud / Embezzlement,,"There is a fraudulent charge on my account, I have spoken with the financial institution numerous times since XX/XX/2016 about the matter. The claim has been closed and reopened numerous times, and while each representative at Eagle National Bank agress that the claim should not have been denied, the system keeps kicking it back. The last representative, after reviewing the account, explained that they keep attempting to credit it and the claim seems to be going in a loop that should not be happening. After extensively researching the claim she told me that so does not believe that anything she can do will get this to go through and agreed that filing a complaint with the CFPB may be the only way to get someone that can override the system to take care of the issue.",,Consent provided,Web,2016-09-02,Closed with explanation,Yes,No,CR2093608,4615
2016-09-02,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-09-02,Closed with explanation,Yes,Yes,CR2094044,2890
2016-09-02,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-09-02,Closed with explanation,Yes,No,CR2094312,12220
2016-09-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,I 'm submitting a complain against EN in Georgia. I deposit a check for {$4300.00} from a company called XXXX XXXX. I was suppose to be working from home with this company. This fake company XXXX sent me an email stating they will send me a check for XXXX to purchase my equipment. When I deposit the check on XXXX/XXXX/16 the bank did not call me to let me know the check was fake. I had to go online to check my balance and my account has been locked. I called the risk department on XXXX/XXXX/16 and was tolded to go to my local EN and have them to fax the police report and documents showing that I was scam. I have been working on this for about 2 weeks now and have not heard anything from nobody. I 'm upset because I already had money in the account and every time I call customer service they can not help me.,,Consent provided,Web,2016-09-01,Closed with monetary relief,Yes,Yes,CR2092254,399
2016-09-01,Credit card,,Closing/Cancelling account,,"I just found out today my Eagle National Bank XXXX XXXX credit card was closed by someone with the same name in XXXX. Why if they have been sending my statements to an address in AL they would start sending something to KY? How do a person with the same name except for middle initial close an account without providing security info? I am the primary and my husband was seconary, they said my husband closed the account, my husband was in the hospital in XXXX and still not able to use the phone. Where is the security, get this they ca n't reopen it for me or send me a copy of the letter they sent to the other guy telling him the account has been closed. It upsets me that anyone is allowed to manage your accounts.","Older American, Servicemember",Consent provided,Web,2016-09-01,Closed with non-monetary relief,Yes,No,CR2091177,190
2016-09-01,Credit card,,Billing disputes,,"This nightmare began when, 3 days ago, I received a phone call from a man purporting to be a Eagle National Bank agent informing me that I was in arrears over paying the balance on their credit card and had about 48 hours to pay them over {$1000.00} in charges or be further penalized. I ended the phone call and went online to see if it was legitimate and found that he did indeed represent B of A. There was XXXX recurring charge on the account in question, $ XXXX/month, for XXXX, which was paid regularly by autopay from one of my checking accounts. Until earlier this year, my XXXX XXXX auto payment was also on that card, but B of A inexplicably refused the charges in XXXX, XXXX, and I did not XXXX this until I was 1 month behind in paying XXXX XXXX. I put XXXX on a different credit card, leaving only a XXXX monthly auto payment on the Eagle National Bank card. 
Let me note here that I did not receive paper statements on this credit card and rarely used it -- I only knew about the monthly auto payment of {$12.00}, by way of a monthly e-mail, and seeing the debit when I balanced my checkbook. 
Suddenly I am informed by B of A, about 6 months after the XXXX XXXX charge was removed from autopay on their account, that I owe over {$1000.00} in late fees, etc., without ever having been notified that there was a problem. After a fruitless conversation with a Eagle National Bank employee online followed by an equally useless and confusing online "" chat '' with one of their reps ( I have a transcript of that ) the whole thing still did not make sense, and -- B of A holds me responsible for being aware because they claim they have been mailing me paper statements and none have been returned to them. I have received no such statements and have none on file, but I have complete files of the statements for all my other credit accounts. B of A tried to blame the Postal Service! ( why would USPS single out one account for nondelivery? ) To avoid further charges, I authorized a payment on my XXXX XXXX account -- but XXXX days later it still had not posted. I was determined to not let this drop without a fight. Today, I found out that the XXXX account I was paying on had been closed in XXXX XXXX ... so I was paying B of A for absolutely nothing!!! XXXX XXXX was very helpful. That account was opened under my husband 's name several years ago, but he had passed away in XXXX. They verified all my information and are issuing a refund check for all the payments made since his date of death! So this complaint is not about XXXX XXXX, it is about Eagle National Bank, which has been billing me for a service I was not even receiving, and now wants to charge me usurious rates for not meeting their standards for a minimum monthly payment. The resolution I want is that I be refunded all the money from the {$1200.00} payment I made, and that the credit account be closed, with me owing them NOTHING! If XXXX makes good on refunding me all the payments since the date of my husband 's death, I will not request compensation from B of A. If XXXX does not come through with the promised refund, then I will expect B of A to refund me all the XXXX payments they collected since the XXXX account was closed last XXXX XXXX, as well as the {$1200.00} that I submitted as a final payment ( plus any other trumped-up charges they may have tried to add on top of it )",Older American,Consent provided,Web,2016-09-01,Closed with monetary relief,Yes,No,CR2092958,6468
2016-09-01,Credit card,,Billing statement,,I purchased a vaccum from target in XXXX ct.I payed cash for it. They lady took the money then asked if I would like a credit card. I filled out the paper work she said it would come in XXXX eight weeks XXXX ; the card came. I di not actvate it for another two weeks. I never used the card. They sent me a bill for XXXX dollars. I payed then I cancelled the card. they said as of now you no longer have this card. Now I get an emai saying I owe another XXXX dollars. I called saying how can I owe you when I no longer have this card. They said if you do not pay this bill we will turn you into the credit beaue. I am trying to get a mortgage for a home. the guy looked up my credit report and said Target says you owe them money. XXXX XXXX and something.. I told him I do not have that card any more. he said you better contact someone this is fraud ( has some one used that card. I calle them and got into a heated argument saying I payed cash and the lady put the money in the till. She said you were issued a temp card ( this is XXXX ) They can put anything into their computers. They get into people accounts taking out money without that person knowing it until it is to late which ruines their credit also. What can I do should I get a lawyer and sue? Target has done this time and time again nothing being done about it XXXX XXXX XXXX veteran.,Older American,Consent provided,Web,2016-10-04,Closed with explanation,Yes,Yes,CR2092209,12468
2016-09-01,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-09-01,Closed with monetary relief,Yes,No,CR2092517,7672
2016-09-01,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-09-01,Closed with explanation,Yes,No,CR2092067,1115
2016-08-31,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank has continually stolen money from me and has always gotten away with it. Honestly, there have been times where Eagle National Bank reps have been gracious, helpful, and courteous. Most of the time however, there is a significant pattern of disrespect and abuse to loyal customers. Personally, I am a student and always have been while being a Eagle National Bank customer. I started out my account with them as a XXXX, and for a while I did n't understand or was n't aware of how banks work. Now I do, and I am still a student. Monthly, my bank account ( even if there are insufficient funds ) gets deducted {$12.00} because of Eagle National Bank 's "" monthly maintenance fee. '' I think it is wrong that Eagle National Bank obviously can physically see that my account is lower than the $ XXXX-and at times and yet they still take. And that brings me to my more pressing concern-the overdraft items or fees they assess, which is the reason I am submitting a complaint. I am not sure how often they will assess an overdraft fee which is {$35.00} each time, once they realize your account has insufficient funds. What I am sure about is that I am a student at a University, a young mother, and I am sure that I do not need a bank continually assessing an overdraft fee, if I obviously can not replenish my account with sufficient funds.",,Consent provided,Web,2016-08-31,Closed with monetary relief,Yes,No,CR2089706,1643
2016-08-31,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bankn applied an excessive number of late fees in the amount of {$520.00}. They applied {$35.00} bank fee XXXX times to collect excessive fees. In addition, allows XXXX resubmit checks XXXX times to inflict as much damage to the consumer and allow Eagle National Bank to apply excessive fees. The damage has been done because they have already taken my Social Security check with late fees. In addition, going forward I have to pay bills cover the {$520.00} that has been taken from my accounts. In addition, I have a family in XXXX while working XXXX causing my family undue harm.",,Consent provided,Web,2016-08-31,Closed with explanation,Yes,Yes,CR2089684,894
2016-08-31,Bank account or service,Savings account,"Account opening, closing, or management",,"I had a checking and savings account with Eagle National Bank. Both accounts were transferred to Bank of the Cascades automatically, without my doing anything, early in 2016, when XXXX took over some Eagle National Bank accounts. The checking and savings accounts I had with Eagle National Bank were free - NO FEES because I had a combined balance of over ten thousand dollars. But my the last Eagle National Bank statement, just before the balances were transferred to the XXXX XXXX, Eagle National Bank took {$10.00} from my savings and transferred {$42.00} instead of {$52.00}. I called Eagle National Bank in XXXX 2016 to ask why, and during that call it was agreed the {$10.00} fee should not have been taken out and they would send me a check for {$10.00} to my mailing address - a PO box . They said the check should arrive by the first week in XXXX, by about XX/XX/XXXX16. It never came. So today XX/XX/XXXX16 I called XXXX to see if maybe it was sent to them or transferred into my account - it was not. I asked them to tell me who to call at Eagle National Bank about this. They told me to call XXXX. I did, and a very snippy woman named XXXX said she sees the request on record for the {$10.00} to be sent to me but it was not sent to me because the bank employee who requested it did not have authorization to do it. She said only members of the "" Transition Team '' can place those requests and she said the bank employee who made the request to send me my refund check "" was not a member of the Transition team and never has been '' and she went on to try to chastise ME for not putting my request in with the right person. Keep in mind this woman can clearly see into my account history and she can see the issue was reported, that the money was taken and due to be refunded, but her only concern was to tell me I was at fault for not speaking to the right person in the right department. I told her if they would not send me a check I 'd report this issue for investigation with federal agencies, and her reply was to say, sure you can do that if you want - instead of offering to help me or instead of offering to correct the problem and sent me the {$10.00} check. Her attitude was that I put in my request for a refund with the wrong department so it 's my fault I did n't get the check and she had little more to say.",,Consent provided,Web,2016-08-31,Closed with monetary relief,Yes,No,CR2089450,3757
2016-08-31,Bank account or service,Savings account,Problems caused by my funds being low,,I have a Eagle National Bank savings account. I submitted a single payment to my XXXX XXXX account. I incurred five separate overdraft fees which Eagle National Bank was unwilling to refund.,,Consent provided,Web,2016-08-31,Closed with monetary relief,Yes,No,CR2091376,360
2016-08-31,Bank account or service,Checking account,Deposits and withdrawals,,"I was scammed on XXXX. Unfortunately I did not read the "" how to avoid being scammed '' before I got scammed. I advertised an elliptical machine and the ad was answered by someone saying they were interested in the equipment but were out of town and wanted the piece shipped to a location by movers. This is the text he sent me on XX/XX/2016 -Ok, i will like to purchase it asap, i am very much okay with the price, but i wont be chanced to come around to check it properly, am currently at Out of the state, I will be paying you via check so after the check has been deposited and it cleared by you i will ask my mover 's to come for the pick up at your location and i will add {$50.00} to it for keeping it for me, thanks. - I received a check for {$1900.00} on XXXX/XXXX/16. I deposited it that day. ALL of the funds were available on XX/XX/2016. I went to XXXX to send {$1400.00} to the buyer via XXXX XXXX on XX/XX/2016. The buyer retrieved the money and I waited for the call for him to send the mover to pick up the equipment. The next thing I see is the check was returned item chargeback.and a XXXX dollar return fee. I called my bank and asked why the funds were available to me the day I deposited the check if the check had n't really cleared. They said it was EN 's policy because I was a long term customer of Eagle National Bank ( 40 years ) the funds were made available as a courtesy. Very bad policy I asked EN to return the XXXX dollars to me because even though I did something dumb and got scammed on XXXX I would never have sent the XXXX XXXX money to the sammer if EN did n't make the funds available immediately. All they returned was the XXXX dollar fee after escalating the call as high as EN would let me. I 'm asking you to have the bank make good on my money because of the terrible policy they have in effect.",Older American,Consent provided,Web,2016-08-31,Closed with explanation,Yes,No,CR2089954,3170
2016-08-31,Bank account or service,Checking account,"Account opening, closing, or management",,My business account was closed by Eagle National Bank without warning and without explanation. I have funds in that account that I do not have access to and very desperately need. Called and they said they can close it whenever they want and do not need to give me a reason as to why.,,Consent provided,Web,2016-08-31,Closed with explanation,Yes,No,CR2089620,948
2016-08-31,Bank account or service,Checking account,Using a debit or ATM card,,"On Friday XXXX XXXX 2016, I checked my bank account to make sure I had the funds to pay my housing rent ; I had quite a bit more than enough. I went to XXXX to get a money order, but the XXXX was not open so I decided to get a card for my phone ( it 's prepaid ) while I wait. This transaction went through just fine. Not 10 minutes later, though, when the XXXX XXXX opened, I tried getting my money order but the transaction was declined. I tried again, as I know that glitches happen and I knew that there was significantly more than enough in my account. Again, the transaction was denied. 

I called Eagle National Bank to find out what was going on and was told that my account was locked for "" fraudulent activity ''. I was given a few different reasons as to what flagged my account : the daily coffee that I got at my usual gas station, the fact that I transferred money at the ATM ( just after XXXX, so the bank was n't open ... still, not uncommon, as this is the only way I have to transfer money between accounts since I work during their business hours ), the fact that I purchased a phone card at a XXXX less than XXXX miles from the one I usually go to ( but was closer to where I was this morning ), and that I was making "" such a large, unusual purchase '' for my monthly money order. I explained that the only thing truly unusual was that I made my coffee purchase about an hour earlier than usual. I explained that I purchase a money order from XXXX every month between XX/XX/XXXX and XX/XX/XXXX in the amount of {$700.00}, and that I always purchase a time card for my phone at the same time, which costs $ XXXX-XXXX, depending on the plan I get. I was told when I called at XXXX that the block would be removed. 

I did a chat online around XXXX with an agent to verify that my card was clear to use. The agent I spoke to told me that my card was still blocked, and that I would have to call the Fraud department at XXXX to get the block removed. I asked what I needed to do to have the fraud feature removed from my card, as this "" block '' happens far too frequently, and I was told that I would be able to have the Fraud department remove this feature. I called the Fraud department at XXXX and was told again that the block was removed and that this fraud feature would be removed from my account. 

At about XXXX, I attempted using my card to get something to eat at work, but it was denied again. I did a chat online again, and was told that my card was still blocked. I called the fraud department back at XXXX and was told that my card was "" clear '' and should be able to be used. I was also told this time that the fraud feature can not be removed, even though I do not have the kind of card that it is automatically added to. I raised the concern that it only flags those transactions that are my usual, but does not flag anything that is not common for me. For example, I had to make a trip to Kansas XXXX the week before ( about three and a half hours from home ) and used my card a few times ... none of those transactions were flagged. I have had countless coffee purchases ( same store, same amount, done Monday through Friday ... I think that 's good enough to be considered "" normal activity '' for me ), gas purchases ( always from XXXX of XXXX gas stations, all within a XXXX mile radius, and always for $ XXXX-15, except on Fridays when I fill up for about {$30.00}, depending on current gas price ), grocery purchases ( always the same store, ALWAYS ... I only shop in one place ) ... all my usual places get flagged as "" fraud ''. I was told the block would be removed. 

I checked again at XXXX, and I still was not able to use my card. This has been an ongoing issue with their so-called "" fraud protection '', and it always takes hours and several calls/chats to get anything resolved. 

( This was originally submitted to the XXXX but no resolution was obtained there. )",,Consent provided,Web,2016-08-31,Closed with explanation,Yes,No,CR2089610,2115
2016-08-31,Credit card,,Billing disputes,,"I went to XXXX from XXXX XXXX, 2016 until XXXX XXXX, 2016. While I was in XXXX, there were XXXX charges to my Eagle National Bank credit card in XXXX California ( {$150.00} on XXXX XXXX, 2016 and {$100.00} on XXXX XXXX, 2016 ). There were no other authorized users for that credit card, and I had it in my possession during the entire time I was in XXXX. So, there is no way that I could have been responsible for those charges. 
I filed two disputes for the charges, and Eagle National Bank denied my claims twice even after I submitted documentation showing that I was in XXXX during those dates ( ENrding passes, hotel bill, metro transactions, and sales receipts ).",,Consent provided,Web,2016-08-31,Closed with monetary relief,Yes,No,CR2090611,3537
2016-08-31,Credit card,,Billing disputes,,"Purchased a sofa and love seat, and a bunk bed set from XXXX XXXX XXXX XXXX. Upon delivery we found the item not to be as described and expected. The furniture was advertised as having removable cushions and wooden legs. The cushions were sewn in and had ugly plastic legs. The top of the bunk bed set and the bottom of the bunk bed would not fit together. We contacted the store and attempted to resolve the matter. They did nothing about the sofa and love seat but brought us another bottom bunk bed. Upon assembling it we learned that while it fit together, it was XXXX different colors and did not match. We again contacted the store numerous times and they did not contact us back or return any phone calls. We filed a dispute with Eagle National Bank and right off it was denied. We questioned this and was told told they did not get certain info which they had. We sent in more. It was denied again. They said the receipt was not detailed enough. We had sent in the receipt that the store gave us. We did not understand why we were being punished because of the type of receipt the store issued. We questioned it and were told that they would look into it. Got a letter denying the claim. Never specifying exactly why. Just that it was. Spent months dealing with this and still do n't know exactly what, if anything Eagle National Bank did in an attempt to investigate the dispute and exactly what we received. What we purchased and what was actually delivered was not the same. Not even close. And as far as I can tell they never did anything to determine this.",,Consent provided,Web,2016-08-31,Closed with explanation,Yes,Yes,CR2090002,7723
2016-08-31,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank charge me {$35.00} return fee, when it pending payments. while i had money to cover pending payments, which i deposited.on XXXX XXXX 2016 i had payment pending from few payments .i had enough to cover payments they still charge me {$35.00}. they refund me $ XXXX.Eagle National Bank abusing customer.",,Consent provided,Web,2016-08-31,Closed with monetary relief,Yes,No,CR2088814,2583
2016-08-31,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank has changed its policy and will no longer allow same day deposits to cover debited payments and they are calling it Time Order Processing. They are masking this process as a positive change when in fact it will cause even more {$35.00} overdraft fees to be collected by the bank which will result in greater revenue to the bank and more distressed customers. 
It would be different if customer were not depositing funds into their accounts to cover any payments that may be processed before XXXX ( same business day ), but as a customer who makes sure that funds are available same day to cover any debited items coming through the account, i am concerned that this practice is enabled and designed to cost the American public even more of their disposable income. This policy change needs to be reviewed by the Bureau and identify how consumer rights are not being acknowledged and possibly violated. Class action",,Consent provided,Web,2016-08-31,Closed with explanation,Yes,No,CR2089468,697
2016-08-31,Bank account or service,Checking account,Problems caused by my funds being low,,"We have a business account with Eagle National Bank. The account was set up but they failed to set up the online banking correctly. This resulted in the Bank 's failure to provide proper notifications and alerts. We advised the Bank of this issue on several occasions. 

Instead of taking corrective action to provide remedy to correct their errors, they charged over {$500.00} in NSF fees. It appears the Bank is intentionally trying to create opportunities so they can profit from NSF fees. The Bank was aware funds were available in other accounts and could be easily transferred from another account. If the online Banking and Account Notification system had been set up correctly by Bank initially, the account NEVER would have been in a position to receive NSF fees. 

The last time we spoke with the Branch Manager, she said we could "" go somewhere else if we did n't like how EN did business ''. 

We propose remedy to this situation by having the fees refunded, disciplinary action against the Manager who failed to be courteous and take corrective action, and a letter of apology. 

We will also take steps to forward this complaint to the appropriate Lawmakers to address the situation of Banks overreach to profit from consumers.",,Consent provided,Web,2016-08-31,Closed with monetary relief,Yes,No,CR2090067,4409
2016-08-31,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-08-31,Closed with explanation,Yes,Yes,CR2090284,4726
2016-08-31,Credit card,,Credit determination,,,,Consent not provided,Web,2016-08-31,Closed with explanation,Yes,No,CR2087475,1152
2016-08-31,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-08-31,Closed with non-monetary relief,Yes,No,CR2089435,4420
2016-08-31,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-31,Closed with non-monetary relief,Yes,No,CR2091127,2629
2016-08-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-09-06,Closed with explanation,Yes,No,CR2088146,2860
2016-08-30,Bank account or service,Checking account,Deposits and withdrawals,,"After posting my furniture for sale ( for XXXX dollars ) on XXXX, i was contacted by a potential buyer who sent me a check for an excessive amount ( 2000 dollars ) and wanted me to wire the extra money ( XXXX dollars ) to his bank account as a fee for the moving company. 

After i deposited the check at a counter in Eagle National Bank, my account showed the transaction as "" Processing ''. After 24 hours, this changed and the funds became available. With this assurance of availability of funds from EN, i went ahead and sent the wire transfer to the guys moving company via money gram. 

3 days after this, EN got back to me stating that they are having to deduct the funds they credited to my account as they were unable to clear the check. They are holding me responsible for the fraudulent check. 

If they had n't cleared the check that i deposited at their counter after 24 hours, i would not have sent the wire transfer. At the very least, they should have informed me clearly ( not via some invisible fine print ) that the check has n't cleared yet and would take 4-5 days for final deposit instead of making the funds available without any caveat.",,Consent provided,Web,2016-08-30,Closed with explanation,Yes,No,CR2087782,1182
2016-08-30,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I 'm so upset with my bank. On XXXX at XXXX PST a transaction in the amount of {$300.00} showed up on my online banking. I randomly check often and while I was getting dinner around the same time on the other side of town I noticed this large cash withdrawal. I was shocked and confused and immediately called Eagle National Bank. I explained that there were XXXX transactions processing on my card that I most definitely did not authorize. XXXX was for {$200.00}, which got declined was, and the XXXX for {$300.00}. I even explained to the representative that I just used my card. She said the fraud arm withdrawal was at XXXX PST in XXXX XXXX and my authorized transaction was at XXXX PST. There is no way that you can make if from XXXX XXXX to XXXX XXXX in XXXX minutes! Also I only have XXXX card issued under my account! The representative said do n't worry. They will investigate and get back to you ASAP. And they will credit the money back into your account. I followed up and another represent ice said it would take up to ten days. I said I would like it to be credited sooner please. She said she could request for a temporary 48hr credit return. Before I had a chance to follow up I received a notice in the mail stating there is no error in this claim therefore my account will not be credited for the proposed amount. They said they found that the transaction was authorized because they withdrawal was done with my ATM pin. I was beyond frustrated and angry with this. I have been with Eagle National Bank for over 10 years and have had fraud transactions. They have immediately been taken care of and money had been immediately credited back into my account. I called the number provided on the notice and complained about the poor customer service and the lack of questions ( none ) asked by any investigators. I brought up the point of the fraud transaction being XXXX minutes apart from my actual personal authorized transaction and the fact that the locations of the XXXX transactions were far enough away from each other to not make from XXXX spot to the other in XXXX minutes! Especially if I have XXXX card issued under my account. He then reopened the claim. I said where was the atm address that the fraud was withdrawn from. He said that there is no way to tell the exact location just the city. Later I called and asked what the numbers showing up on my account next to the fraud transaction were. A different representative said that XXXX is the ATM company and XXXX number is the ATM ID and the other is the ATM #. So basically this tells you where the ATM is located. She also said that it most likely was a XXXX. So that right there is enough info to investigate FURTHER. Such a shame that banks think that customers will just say ok I understand. NO I do n't understand. This is my money and it is not MY fault that a hacker skimmed an ATM to get my card and PIN info. It 's 2016. The representative also said they ca n't duplicate chips. Maybe so, but they can still duplicate magnetic strips. And a lot of companies still have n't upgraded to just chips. And if that 's the case why do you issue a card with a chip and a magnetic strip if the point of the chip is for more protection. Tomorrow I have to now go to the XXXX XXXX Police Station to file a report in a city I do n't live in. They have better things to do and probably wo n't want to help me solve this and request video footage from a specific unknown ATM. I was told by the representative to file a police report. Again, the purpose of a bank is to help protect your money. Not say in so many words it 's your fault that someone knows your PIN number even if you do n't know them along with the many points I 've previously listed. Shame on you for making me feel helpless with my own hard earned money.",,Consent provided,Web,2016-08-30,Closed with monetary relief,Yes,No,CR2085357,1524
2016-08-30,Bank account or service,Savings account,"Account opening, closing, or management",,"I have been a Eagle National Bank for a few years. Today I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email had the audacity to state the "" waiver '' I have been receiving is being removed. First and foremost BOM has not been granting me a special waiver. The maintenance fee has not been charged due to the fact it is linked with my E-Checking which I was advised to do when opening account and agreed upon. Secondly the email then advises I must open another type checking account to continue not being charged the maintenance fee. Bare in mind the minimum for these accounts are about {$20000.00} as is the Preferred Rewards option. Surely there should be a grandfather option. Nothing was advised when opening this account that BOM would come after the fact and force other options after agreeing to link E-checking and savings for no maintenance fee.Its principle and not a good way to do business. I bank at XXXX other establishments as well and never had this issue.I called customer service which apparently no one is working. As I was on hold an unacceptable amount of time over 70 mins being disconnected or no one to answer and had to head back to medical appointment. Constant automated message about call volume.I request BOM extend a waiver for a year that was offered to others in this situation by the XXXX Customer Care Resolution so that I have time to see what other options become available. I am a Senior with medical issues and limited income. 

Name on Account ( s ) : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : # XXXX Accounts : Checking, Savings Email : XXXXXXXXXXXX or XXXXXXXXXXXX",Servicemember,Consent provided,Web,2016-08-30,Closed with non-monetary relief,Yes,No,CR2088657,40
2016-08-30,Bank account or service,Checking account,"Account opening, closing, or management",,"My last statement from Bank America showed a charge for "" check imaging ''. I never ordered it. I called customer service and although they removed the charge, they could not tell me how this happened. My feeling is that it is a new deceptive practice to get extra fees hoping that the customer will not notice it.",Older American,Consent provided,Web,2016-08-30,Closed with explanation,Yes,No,CR2087364,1897
2016-08-30,Bank account or service,Checking account,"Account opening, closing, or management",,"My name is XXXX XXXX. Eagle National Bank is closing my both business and personal accounts, when I should have direct deposit coming to my account this week, next week and in whole XXXX and XXXX. My Eagle National Bank accounts are indicated for all ACH transfers. I cant change anything. 
Moreover, I am having XXXX wired to business account soon from my partner, another XXXX later in XXXX. Everything is set up, account, routing numbers and XXXX codes are sent. I cant change anything, besides I will look unprofessional. It is not a correct business ethic when business sends funds to its partner and money comes back, since partner 's account is closed. This is very bad for my business, I will probably loose my partners, loose my business, business gets damaged, loose XXXX USD that I could earn, then pay taxes to government which then will be used for social-related purposes, curing sicked people, financially supporting people in need etc. All these are for good intentions. And all these are connected which each other. 

Please and please dont close my account, which will obviously lead to the fact that business gets damaged, less taxes I will pay or even will not be able to pay, less people in need are supported by government and there is even high possibility that people in need may increase by one - me. 
SSN : XXXX Thank You for understanding.",,Consent provided,Web,2016-08-30,Closed with explanation,Yes,Yes,CR2089061,11686
2016-08-30,Bank account or service,Checking account,Problems caused by my funds being low,,"Whenever I put my money in my bank, it seems the money gets recorded as next day 's transactions ; It does not matter whether transaction is cash or check or mixed items. I keep getting filed overdrafted because of this. This should not be happening. I also get charged monthly fee every time because of this.",,Consent provided,Web,2016-08-30,Closed with monetary relief,Yes,No,CR2087265,1856
2016-08-30,Credit card,,Delinquent account,,,Older American,Consent not provided,Web,2016-09-06,Closed with explanation,Yes,Yes,CR2087604,1760
2016-08-30,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-09-02,Closed with explanation,Yes,No,CR2088349,8362
2016-08-30,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-09-02,Closed with explanation,Yes,No,CR2087481,4461
2016-08-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-30,Closed with explanation,Yes,No,CR2085287,4640
2016-08-30,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-08-30,Closed with non-monetary relief,Yes,No,CR2087087,4916
2016-08-29,Bank account or service,Checking account,Using a debit or ATM card,,My aunts car check book and debit card were stolen The Eagle National Bank in XXXX SC. She attempted for 3 days to call the fraud department of EN without getting through. She was able to finally get someone on the phone on XXXX/XXXX/16. She followed up by filing police reports. A total of XXXX stolen personal checks were deposited into her account on XXXX/XXXX/16. The first withdraw was made in the amount of {$240.00}. Then 2 attempts were made at XXXX XXXX without success however a withdrawel was made at EN when more money was obtained. My aunt states she never gave her PIN number to anyone ever. We feel like a girl in and out of her home somehow guessed or watched her put the pin numbe. She filed her claims alone A follow up call she was told because the claim Was filed on XX/XX/XXXX she failed to show concern. My aunts completed every thing the fraud department requested her to do. My aunt is XXXX And becomes confused quick she did n't understand exactly what was expected of her and what the EN was asking her to do. New claims were filed but to lay Shock the Eagle National Bank denied the claims again. My aunt is on a fixed income and she received her XXXX in the amount of XXXX. Over {$600.00}. Of her check was taken by EN they were no help at the fraud department. No one would reach out and assists her. She asked for supervisor to be contacted. The XXXX supervisors were talking hateful and not helping her. The bank refused to reopen the claims or provide my aunt with any details. The EN speaks of its XXXX libability on fraud. The bank seemed to be taking advantage of my aunts XXXX and lack of understanding. Her car insurance is about to be cancelled and her car may be taken from her,,Consent provided,Web,2016-08-31,Closed with explanation,Yes,No,CR2086554,1439
2016-08-29,Bank account or service,Checking account,Using a debit or ATM card,,"My complaint is the same as a previous complaint # XXXX. Eagle National Bank indicated that they had made a notation on my account that I would be issued XXXX debit cards whenever I needed a replacement. When I called on or around XXXX/XXXX/16, I was told that I could only have XXXX card and that there was no notation on my account to provide me with an additional card. I am a XXXX vet and this is very XXXX to have to deal with this issue again. This type of aggravation seriously causes me XXXX.",Older American,Consent provided,Web,2016-08-29,Closed with non-monetary relief,Yes,No,CR2085911,8217
2016-08-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"This complaint is against Eagle National Bank in North Carolina. My father died on XXXX/XXXX/16. I am the executor of the estate. The court in NC is requesting the balance in his bank account on the day he died. Sometime in XXXX I called EN. I was told I could pick that info up at any branch. I told them they closed all the branches in XXXX XXXX, and the closest branch is a half hour away, and could they just mail it to me. They said yes, I should get it in a week. I had not received it after 2 weeks, so I went to the XXXX XXXX branch. I was told I would receive the info within the week. About a week later I received a letter stating "" An authorization/instruction letter is required in order to process the request ''. I called the number to see exactly what they wanted. EN said they must have the request in writing. On XXXX XXXX, 2016 I went to the XXXX branch. The associate there was very helpful.She faxed all the info requested by EN, including the death certificate and letter of testamentary, which they already have on file. She called the Estate department to make sure they got everything. They did. As of today, XXXX/XXXX/2016, I have received nothing. I can not close the estate without this document from EN stating the amount in dad 's account on the day of his death. It seams to be the estate department refusing to cooperate. I will appreciate any assistance you can give me in this matter. XXXX XXXX",,Consent provided,Web,2016-08-29,Closed with non-monetary relief,Yes,No,CR2085728,1254
2016-08-29,Credit card,,Other,,"Eagle National Bank 's website layout and wording to set up automatic payment to pay your credit card account minimum payment is confusing, cryptic, problematic, and somewhat deceptive! 
I signed up for what I thought was Eagle National Bank automatic recurring payments option in XXXX XXXX that would pay the minimum amount due on my account each month. I set the minimum payment of {$25.00} to be paid on the second day of each month. In addition to this minimum payment that was being made automatically, I would also make additional payments during the month. In XXXX XXXX, my minimum payment due was {$89.00} and not {$25.00} that the automatic recurring payment option was set for. For the first time since I had open my account I had not made any additional payments during the month. This caused my account to show a partial payment of {$25.00}. Since I had also signed up to receive paperless statements on XXXX XXXX, XXXX, I did not discover this mistake until XXXX XXXX after I logged into my account and saw a 30 days past due notice. I immediately made an online payment to bring my account current and then called and spoke to a customer service representative about what had happened and made another payment for the same amount with the customer service representative. The problem with Eagle National Bank website payment option is that consumers have to select the e-bill option to enable the E-bill feature that allows the monthly minimum payment based on the account balance for that month to be paid in addition to ( not instead of the recurring payment ). Unfortunately, it is not easily apparent or accessible for consumers to do so which makes confusing, cryptic, problematic, and somewhat deceptive! As a result, consumers like me who use credit card company automatic recurring payments have inadvertently sign up for the WRONG automatic recurring payment option on EN website. This caused my EN to go delinquent, assessed a late fee, and more importantly has devastated my otherwise good credit. My score dropped by XXXX points and my credit limit dropped by {$15000.00}. My lifelong dream of XXXX day owning my own home now seems like just a dream! 
My complaint is not an isolated and rare event. There are many more consumers who have had similar experiences with EN website payment options.",,Consent provided,Web,2016-08-29,Closed with explanation,Yes,Yes,CR2086535,4206
2016-08-29,Credit card,,Identity theft / Fraud / Embezzlement,,"Eagle National Bank CREDIT CARD - ACCT # XXXX WAS OPENED AND USED IN MY NAME WITHOUT MY KNOWLEDGE OR CONSENT, BEGINNING XXXX XXXX. ACCORDING TO MY MOST RECENT CONSUMER CREDIT REPORT, THE ACCOUNT WAS CLOSED/CHARGED OFF WITH A BALANCE OF OVER {$8000.00}. NO CARD, STATEMENT OR CORRESPONDENCE EVER ARRIVED AT MY RESIDENCE- SUBSEQUENTLY I 'M UNAWARE OF THE FULL ACCOUNT NUMBER OR ANY TRANSACTIONS ASSOCIATED. 

DISPUTED THE ACCOUNT VIA CREDIT REPAIR SPECIALIST IN XXXX, BUT WAS UNABLE TO PROCEED BECAUSE I DO N'T "" HAVE ENOUGH ITEMS THAT NEED REMOVAL '' ACCORDING TO THE SPECIALIST. Eagle National Bank REFUSED TO PROVIDE ANY DOCUMENTATION OF THIS ACCOUNT AND ERRONEOUSLY UPDATED STATUS TO 'DISPUTE RESOLVED '.",Older American,Consent provided,Web,2016-08-29,Closed with explanation,Yes,No,CR2085465,852
2016-08-29,Credit card,,Other fee,,"Hello, I am a Eagle National Bank credit card holder. I noticed there was a foreign transaction fee any time a charge was processed in XXXX $ but outside of the XXXX. For instance, I had to cancel my XXXX subscription as this company has its headquarter in XXXX and process charges from there. I was charged a certain amount for every transaction from XXXX. 

What I find unfair is that there is no way for the consumer to know where a company 's headquarter is located. I would understand the legitimacy of such a charge if the transaction were to be done in a foreign currency but not in XXXX!!! I used to live in XXXX and would not get charged a conversion fee anytime a foreign vendor would process the transaction in XXXX XXXX 

I 've contacted Eagle National Bank and was told there was no way for me to know where the transaction would be processed from.",,Consent provided,Web,2016-08-29,Closed with explanation,Yes,No,CR2087028,3095
2016-08-29,Credit card,,Billing statement,,"I was a Eagle National Bank / FIA Cardholder customer and signed up for paperless statements, sometime during 2015. At that time, Eagle National Bank / FIA committed that they would keep statements on-line for up to 7 years, and that I could retrieve all statements by logging into their website. They have sold the credit card portfolio to another servicer ( XXXX XXXX XXXX ), and none of my prior statements are available. 

This creates all sorts of record keeping problems for me as a cardholder, business owner, and taxpayer.",,Consent provided,Web,2016-08-29,Closed with explanation,Yes,Yes,CR2084932,3925
2016-08-29,Credit card,,Other,,,,Consent not provided,Web,2016-08-31,Closed with explanation,Yes,No,CR2085812,3148
2016-08-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,Other,Web,2016-08-29,Closed with explanation,Yes,No,CR2085483,396
2016-08-29,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-29,Closed with monetary relief,Yes,No,CR2086280,825
2016-08-28,Bank account or service,Checking account,"Account opening, closing, or management",,I was takin off my own bank account that I had before we were married. She was added I think as a joint holder lady at bank said she was the co owner. How XXXX does this even make sense? And she pulled all money out and it 's in negative because of this.,,Consent provided,Web,2016-08-31,Closed with explanation,Yes,No,CR2084513,4700
2016-08-28,Bank account or service,Checking account,"Account opening, closing, or management",,"i went to Eagle National Bank and was not treated with dig nity and respect. I did n't get anything resolved, and as I was talking to the representive and when another rep presentive came up and stated that her XXXX app ointment was there and it was though I did n't matter. 
As a consumer customer or client of Eagle National Bank I did n't matter. I was put off as though her appointmen t was more then I was and at that point I left Eagle National Bank without my issue resolved or answered. 
plus money was token out of my account and that I was being charged for over draft protection and XXXX hen I was told that my over draft protection would be free and that my monthly withdraw out of my checking account into my savings of which had been changed from out of my savings, into my checking. when that was n't my agreement of my contract.",,Consent provided,Web,2016-08-28,Closed with monetary relief,Yes,No,CR2084791,4706
2016-08-28,Credit card,,Other,,"On XXXX/XXXX/16 I made a single {$200.00} online payment to my Eagle National Bank Visa card. 

On XXXX/XXXX/16 a {$200.00} payment was withdrawn from my XXXX XXXX Savings Bank checking account and credited to my Eagle National Bank Visa account. This first payment did show up on my Eagle National Bank Visa account. 

Then on XXXX/XXXX/16 a second {$200.00} was withdrawn from my XXXX XXXX XXXX Bank checking account and credited to Eagle National Bank Visa. This second payment ( which was unauthorized ) did not show up on my Eagle National Bank Visa statement, and they claim to have no clue about it. 

I went to my bank on Thursday XXXX/XXXX/16 and they verified that the money was indeed sent to Eagle National Bank to be credited to my XXXX account, and that they can not do anything about it because Eagle National Bank already received that payment. However, I was told by Eagle National Bank ( on XXXX/XXXX/16 ) that they never received the money and told me repeatedly that the problem had to be with my bank and that they should deal with it ( even after I told them that XXXX XXXX XXXX Bank confirmed that Eagle National Bank received the {$200.00} ). They did, however, say they would look into the matter when I phoned them and that they would call me back within 24 hours. I still have n't heard from them. 

I may live on XXXX 's XXXX but I only make {$300.00} a week and this missing money has resulted in my not being able to pay some of my bills. It seems as though it has disappeared into no where and it was essentially inadvertently "" stolen '' by Eagle National Bank due to a problem with their e-payment system. I am upset by the fact that there seems to be no actual paper trail and Eagle National Bank is not willing to take any sort of responsibility for what happened. 

The only thing I would like to add is that after all this I was contacted by XXXX XXXX by mail regarding a security breach at their company. I received the letter late on Thursday XXXX/XXXX/16 and called them that day. They said that my credit card information my have gotten out and that I should have my credit card number changed. I phoned Eagle National Bank ( their XXXX is my only active CC ) and requested to have my number changed. I told the customer service person at that call as well ( the second call to them that day ) about what happened regarding my missing {$200.00} and he said he would also make a written complaint for me. I 'm not sure that the incidents are connected, however I think you should be aware of this and also know that the CC # I have provided as a reference is the cancelled card # ( I wo n't receive a new card and number until later this week ). 

Thank you.",,Consent provided,Web,2016-08-28,Closed with non-monetary relief,Yes,Yes,CR2084798,4833
2016-08-28,Credit card,,Transaction issue,,"I got a target credit card approval while checking out of a Target store XX/XX/2015. My first bill was {$110.00} which I used the phone payment plan to pay in full on XXXX XXXX, 2015. I did not hear a thing until the next month when they sent me a bill with an additional fee attached. I called and spoke directly with a person calling herself XXXX who told me that the bank refused the payment due to incorrect account number being submitted by the company. It appeared they left out a single zero. I corrected the checking account number error with XXXX who repeated it back to me correctly. I authorized the payment again over the phone. I checked my back account and sure enough the amount I just authorized to be paid to Target was pending on my account. 

Figuring a mistake is a mistake I charged another {$100.00} on the target card. This time I paid on-line, and my payment appeared to be accepted. However the next month I was changed a late fee again and again my payment had been decline due to inaccurate bank account submission. I typed the account number in myself and it was correct. 

I have been charged well over the total amount of my charges for late fees all of which various representatives claimed to have removed. I called and spent a great deal of time of the phone with yet another representative I had and still have names of employees, their ID numbers, dates and even payment confirmation numbers. I walked painfully through my practices which included submitting paper checks after payments by phone, I even have letters from my financial institution verifying each time a payment was declined the amount was in my account however was not released because TARGET submitted the wrong number. 

Please realize that I have a debit card with target that is directly connected to this same account. I had made payments by paper check that indeed when through, I had corrected my account information with XXXX employees. I walked through the math with the last person I spoke to according to both our math I should have had a credit. 

While speaking with the last Target employee I asked my credit card account be closed I have submitted the same request in writing. 

The last employee I was on the phone XX/XX/XXXX my dispute would have to be reviewed by the accounting department. This accounting department was supposed to contact me by phone with in three business days but I work during business hours and requested a message to be left or an e-mail to be sent instead. I was assured I would receive both yet I have received neither. 

I have yet another bill with another balance made up not of fees and charges for non-payment. I am not about to make another payment to this account that should have been closed months ago as it seems the more I pay the more I owe. This crooked company is effecting my credit score which would be good if not for my dealing with Target Red cards unsavory business practices I can not believe any company in business can be this incompetent. I surmise they purposefully submit incorrect bank account numbers to financial institutions for the purpose of holding credit accounts open and charging various fees and interest. Had they gotten my account number correct I would have paid the entire balance of my first change of {$110.00} immediately in XX/XX/XXXX. My XXXX change of {$100.00} would have been paid in full after two billing cycles therefore minimizing the amount of money they would have made on my account. 

Incorrect bank account number submission for payment after multiple corrections over the phone, via the internet, use of paper checks and I even have a Target debit card which takes money out of my bank account just fine is a highly unlikely coincidence and a more than likely shady business practice which should be illegal. I should not be charged for their mistakes.",,Consent provided,Web,2016-08-31,Closed with explanation,Yes,No,CR2084670,3247
2016-08-28,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-08-28,Closed with explanation,Yes,No,CR2084250,1077
2016-08-28,Credit card,,Credit determination,,,Older American,Consent not provided,Web,2016-08-31,Closed with non-monetary relief,Yes,No,CR2084436,438
2016-08-28,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-28,Closed with explanation,Yes,No,CR2084263,3041
2016-08-27,Bank account or service,Checking account,Problems caused by my funds being low,,I got a XXXX dollar overdraft fee charge. I should not have been allowed to use my debit card but I was able to use it and I was assessed this charge for being negative.,,Consent provided,Web,2016-08-27,Closed with monetary relief,Yes,No,CR2084547,4975
2016-08-27,Credit card,,Balance transfer,,I called Eagle National Bank to get a ( a new ) credit card promotion. I have an account with them now. I wanted to lower my interest rate and my minimum payment that is going up on XXXX 2016. I wanted to transfer the present credit card balance to a 0 interest rate. I was told I could n't to that because they will not transfer an existing Eagle National Bank credit card account I also was told of my new minimum payment which would be more than I could afford.I told the lady that she did n't give me a resolution! I am very upset with Eagle National Bank. As soon as I can I will close this account. Is there anything that you can do to help me?,Older American,Consent provided,Web,2016-08-27,Closed with explanation,Yes,No,CR2084696,1939
2016-08-27,Credit card,,Transaction issue,,"I purchased a sectional couch, and the sales representative encouraged me to also purchase the ottoman that comes with the set. The sales representative was given the measurements of the space where the sectional would reside, and the sales rep determined that the ottoman would fit in with the sectional. As it turned the sectional was far too narrow to have the ottoman fit between both sides of the sectional. I tried to work with the furniture store, who it turns out is a highly unethical merchant. I spent a great deal of time with the credit card company, whose initial representative advised me he was sure they would not charge me for this ottoman ( which was way overpriced compared to other stores ). I followed the credit card company 's demand for information, but they also required me to get a statement from a similar merchant that basically supports my contention. I told them I have NEVER HEARD of any merchant requiring such a thing. What merchant is going to stop his business long enough to not only talk to me about the issue, but also prepare a document stating that he/she supports my contention. This is utterly ridiculous. I asked the credit card company to please give me the name of one merchant in my area who would make such an evaluation with no benefit to themselves, and they could not. I asked the credit card company to request the measurements from the store, and they refused. It is clear the credit card company does not want to honor its claims of supporting customers who have been cheated my merchants. The credit card company is requiring a completely disinterested third party merchant to get involved in the dispute and write a document supporting my contention. In other words, this is the credit card company 's way of dismissing the dispute and leaving the cardholder hanging with an unfair and unjust charge.",Servicemember,Consent provided,Web,2016-08-27,Closed with explanation,Yes,Yes,CR2084309,4706
2016-08-27,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,"My fiance and I go to Eagle National Bank on XXXX in XXXX NJ every week. It seems like every week we have an issue and it never gets any better. The store management along with the store employees need to have a serious talk about the way they treat us customers. Today we go I there XXXX and we have to wait as usual. The wait is constantly never ending it feels. After waiting for already 20 minutes another couple comes in and waits as well. The guy XXXX comes right over and asked if any one needs a notary. My fiance tells him yes we need an endorsement release. XXXX says "" one of the ladies can do that for you. '' And then asked if the other people who JUST walked in would join him at the table. I felt totally neglected once again by Eagle National Bank.",,Consent provided,Web,2016-08-27,Closed with explanation,Yes,No,CR2084203,1852
2016-08-27,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-08-27,Closed with explanation,Yes,Yes,CR2084510,3417
2016-08-27,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-08-27,Closed with explanation,Yes,Yes,CR2082774,2497
2016-08-27,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-27,Closed with monetary relief,Yes,No,CR2084240,3831
2016-08-26,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank, closed my checking accounts stating that they all had negative balances. 
When I called to let them know that what they thought was not true, and there was enough money to cover all the overdrawn fees, they realized they messed up, BIG TIME. 
Even though, I had been their customer for the last 14 years, they went ahead and closed the accounts. Never really provided any assistance. It is true, I have been an in bad financial situation for a whole year. However, I am back on my feet now ; doing great. I have realized, they never cared about it. They just do this type of practice. When I called regarding this issue, the guy on the other side had some kind of an all powerful tone/attitude. Once I proved to them the stupidity they had done, this person seemed to be talking to me from under his desk. He could not find an excuse for what this institution had done. I apologized to him because I was getting off on him ; it was not his fault that this happened ( Still, I did not like his "" I am always right attitude '' ). I demanded to have what was left of my money available now, so that I could go get it at the local branch. They said it was not possible until all transactions clear, that I had to wait until next week. I asked for a manager. The manager was very polite and sounded very humble. I have agreed to wait until next week to get the balance of my money. 
Therefore, the type of customer service was poor. They had no answer, when they realized that there was enough money in the account to cover for all negative balances. 
They went ahead and canceled regardless of what was in the account. When they realized what they did, they had no answer. Even after paying off these negative balance accounts, I will have to wait to see the rest of my money until next week. Holding me back on other payments I have to make.",,Consent provided,Web,2016-08-31,Closed with explanation,Yes,No,CR2084044,1885
2016-08-26,Bank account or service,Checking account,Deposits and withdrawals,,"Checks got to deposit to my checking account at Eagle National Bank and these checks were considered bad checks I was not aware of these transactions and the checks was made out to someone other then me and not sure how the bank was able to allow them to be deposit and not sure if there was a signature which would not be matched to mine. They put a flag on my social sercurity # which now i 'm not able to open a bank account at any bank. I would like to get this removed they will not remove it said that I was responsible for the account. No money was taken and there was no lost to the bank. It is to late to report this to police since it happen in 2013 and I just found out about it.",,Consent provided,Web,2016-08-26,Closed with explanation,Yes,No,CR2083626,2305
2016-08-26,Bank account or service,Checking account,Deposits and withdrawals,,"I question Eagle National Bank 's practice of putting extended "" holds '' on funds deposited from another institution. Specifically, check proceeds are paid by the bank issuing the checks, but Eagle National Bank does not make the funds available to their own banking customer until days later. The following is the most recent example. 
On XXXX, I deposited a check for {$600.00} at the Eagle National Bank branch in XXXX, Texas. On XXXX, XXXX XXXX XXXX in XXXX transferred that amount to Eagle National Bank. The {$600.00} was credited to my Eagle National Bank account on XXXX and removed from my funds on XXXX. 
I am a signatory to both accounts. On XXXX my on-line access revealed the funds had been subtracted from the XXXX account. On-line access to my Eagle National Bank said a notice was sent via U.S. mail explaining the hold and when funds would be available. An on-line chat with a Eagle National Bank representative defined the problem : XXXX informed Eagle National Bank there was a risk the funds might not be available in the account and the earliest Eagle National Bank would make the {$600.00} available would be XXXX. How could this be when XXXX had already transferred the funds to Eagle National Bank? 
A trip to the XXXX branch explained Eagle National Bank 's position ; Their risk management department had flagged the account as a "" risk ''. Eagle National Bank considers any check they receive from this XXXX account a risk, even after XXXX honors the check. The representative confirmed that anyone or any organization using Eagle National Bank for regular banking and deposits a check from this XXXX account will experience the same "" hold '' and delayed payment. This includes checks to physicians, grocery stores and other merchants. Funds will be held for an unspecified time. I am told there is no way to correct the "" risk '' flag. 
Eagle National Bank 's reason for the "" risk '' flag : last month a check was written on the wrong XXXX account, resulting in insufficient funds. That error was corrected within twenty-four hours. 
I can not write this off as a snafu because it is not an isolated occurrence. On previous occasions Eagle National Bank delayed credit to my accounts for funds deposited from an array of financial institutions including XXXX XXXX and the Texas State Comptroller. The funds are unavailable well beyond two or three business days. 
I am further confounded by the inaccuracies reflected on my monthly account. Now, there is no evidence the funds were removed on XXXX. This is the same pattern as previous deposits put on "" hold. '' Eagle National Bank 's practice of delaying access to funds is harmful to consumers for the following reasons : ( 1 ) the consumer has no money, while Eagle National Bank is using the consumer 's deposit for their own gain ( 2 ) lack of access to funds is costly for consumers -- late payments and fees, increased interest rates, ruined credit scores ( 3 ) if a consumer is unaware of Eagle National Bank 's "" hold '' on their funds, they are at risk of having checks and payments returned as insufficient funds : my notification letter did not arrive until XXXX -- seven days after the "" hold '' was initiated ( 4 ) resources needed to resolve missing funds is an additional cost to consumers -- the above experience cost me : six hours time at minimum wage= {$46.00}, mileage expenses to the bank -- XXXX miles roundtrip= {$20.00}. 
The issue of funds availability has been resolved for only XXXX incident. After being informed that future checks Eagle National Bank receives from this XXXX account will be placed on "" hold '' for days, we closed the XXXX account. 
Is it possible to assure Eagle National Bank 's practice of keeping funds unavailable can be changed? Why ca n't funds be available in personal accounts as soon as drafts or checks are honored by the issuing bank?",Older American,Consent provided,Web,2016-08-26,Closed with explanation,Yes,No,CR2083856,2683
2016-08-26,Bank account or service,Checking account,"Account opening, closing, or management",,"Last night Eagle National Bank put through an unsolicited/unsanctioned debit on my personal Eagle National Bank checking account for {$1900.00} ( Debit for a Charged Off Account ). After having been unemployed for 11 months in XXXX I have just secured employment starting on Monday XXXX. On Wednesday I deposited {$2000.00} in my checking account to purchase an airline ticket and pay for the hotel for my first week of employment training in XXXX XXXX. However on Friday morning my account had this unsolicited debit for {$1900.00}. When I called the bank this morning they told me a that the debit related to a charge off on a Business account of a company that I had started in XXXX Price Compete. The next company XXXX was purchased by an investor in XXXX XXXX and the Investor closed the doors of the company in XXXX of XXXX. However EN claims that I was the guarantor on the original EN account in XXXX and now say that I owe them {$22000.00} and every deposit I make into my checking account will be seized. Frankly when the company closed in XXXX XXXX I was a very small shareholder and had no control over events. The problem is that they say of regardless what happened to the company I am still the guarantor. I have been asking them ever since they have been trying to collect the debt from me in XXXX XXXX that I need to see the support documentation from EN that I am the guarantor on the EN credit card accounts. EN has now promised to send me the documentation from XXXX, however this is not the first time I have requested it and I remain very skeptical that what they claim is true. Today XXXX I have closed my Checking account with Eagle National Bank after being a customer for twenty years. EN are clearly to big and they do not care about consumers/customers. I spoke with XXXX XXXX in the Eagle National Bank recover department today XXXX and my case reference number is XXXX. Apparently the debt of {$22000.00} has been charged off by the bank and they have been reporting non-payment against my credit record. As far as I am concerned this problem belongs to the investor who elected to close the doors of the company. Why is Eagle National Bank harassing me with this debt when they can not prove I am the guarantor of a bankrupt company. The past year of unemployment has been tough and we have struggled to keep up with our EN Mortgage and EN home equity loans but we have scraped by and managed to stay current. Frankly if had known that EN was going to pursue this course of recovery I would have closed my EN checking account in XXXX XXXX. My situation after 11 months of unemployment is desperate and EN stole {$1900.00} out of my personal banking account without even having the decency of discussing it with me is just wrong. EN is claiming to have a legal right ( that is un-proven ) behaving in a predatory fashion with no regard to client 's needs. EN is behaving like a big bank that does not care about customers or customer service. If they can not produce the evidence of me being the Guarantor in the next 10 days I will take them to the small claims court to recover my {$1900.00} that they stole out of my account. I will never ever bank with this company again they are not to be trusted and I will definitely be sharing this tale of terror with as my business connections as I can. This is not the first complaint I have filed against EN in XXXX XXXX after I paid {$6000.00} into my EN credit card to pay my property taxes they elected without my consent to lower my credit limit on the credit card by {$6000.00}. They have really demonstrated lack of trust and seem to be a law unto themselves. They are ruthless by just taking money out of peoples accounts without even consulting clients. 
This Big Bank practice has to be stopped it is unfair to all banking consumers.",,Consent provided,Web,2016-08-30,Closed with explanation,Yes,No,CR2082808,1668
2016-08-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"XX/XX/2016, my bank started a real time account record. Meaning that purchases and transfers etc would be done in the order they are made. No problem. Overdraft charges were not mentioned in this change. I had accidentally overdrawn a couple times after the new policy and within the hour of the overage happening I covered it and did n't get a fee. Between XX/XX/XXXX and the XX/XX/XXXX my brother was dating an employee of the bank. They broke up and they have a legal issue pending between them. Her friends at the bank make us both feel uncomfortable with dirty looks, but nothing more. I brought in some of the employees belongings to her at my brother 's request, I took them to her work because I do n't know where she lives. Just days after I overdrew by {$1.00} and some change, within 10 minutes I covered it. They charged me the overdraft fee, I paid even though I thought it was unfair. They then charged me a fee for transferring from my savings too many times using the app. Stating that had I physically was in the bank I would n't have gotten the charge. I had bills coming out of the account and had enough to cover them with a few dollars left, but that charge put me over yet again. I paid to cover it and received yet another overdraft fee. I called and they denied any unfair charges where none existed before. I told them the fee is to pay them for covering and compensating what I overdraw and ca n't cover, but that is for a 24hr period or more, not 10 minutes. They claim that all banks do this and I should do my research, I said you are the only one that does n't allow until the end of the day. As for the online transfer they claim it 's state policy to charge the account holder for transferring the account holders money between accounts, I find it fishy. I had no problems until I brought in the persons belongings. It was no time until my account was being attacked when I had never had any issues before.",,Consent provided,Web,2016-08-30,Closed with explanation,Yes,No,CR2084108,1966
2016-08-26,Credit card,,APR or interest rate,,,Servicemember,Consent not provided,Web,2016-08-26,Closed with explanation,Yes,No,CR2082953,3348
2016-08-26,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-08-26,Closed with explanation,Yes,Yes,CR2083636,5727
2016-08-26,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-26,Closed with explanation,Yes,No,CR2083737,2453
2016-08-25,Bank account or service,Checking account,Problems caused by my funds being low,,Eagle National Bank has charged me numerous XXXX fees due to my account being overdrawn. I was never alerted about the overdraft even though I have signed up for text and email alerts concerning my account.,,Consent provided,Web,2016-08-25,Closed with explanation,Yes,Yes,CR2080507,280
2016-08-25,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a checking account in Eagle National Bank about one month ago. Before that, I did n't have any business relationship with EN. 

After getting my debit card, I tried to activate it. But when I made the phone call, the custom service told me that my account is permanent closed by EN. And I can not have any account for lift time with Eagle National Bank. When I asked the reason, EN risk department just told me again and again : "" It is a business decision ''. 

I do n't understand why EN first approved my account application and closed it immediately. I did n't do anything harm on EN. And considering I never owned a EN account, debit card or a credit card, I really can not understand why EN did it.",,Consent provided,Web,2016-08-25,Closed with explanation,Yes,No,CR2081710,12577
2016-08-25,Bank account or service,Checking account,"Account opening, closing, or management",,I recently received a letter in the mail stating that my business checking account ending in XXXX & XXXX and savings account ending in XXXX will be frozen within 80 days and closed within 95 days. Upon calling the bank and XXXX for Eagle National Bank i got no explanation on why my account is being closed.,,Consent provided,Web,2016-08-25,Closed with explanation,Yes,No,CR2081987,4082
2016-08-25,Bank account or service,Checking account,"Account opening, closing, or management",,"I reported this issue before and Eagle National Bank enterprise department denied my claim. I am sending this out again, with an official stamped police report regarding my claim. Within the month of XXXX 2014 my wallet was lost/stolen, someone used my card to access my bank and deposited a fraudulent check. Took money out and everything else and used up my account til flagged by Eagle National Bank. I was denied a few times when I put in for a dispute, and I am writing this again because I 've sent the bank an official police report that was submitted by the officer who took my report.",,Consent provided,Web,2016-08-25,Closed with explanation,Yes,No,CR2081889,3945
2016-08-25,Credit card,,Billing disputes,,"I have paperless billing. Every month I receive online notices that my statements are available. In XXXX I received the online notices that XXXX of my credit card statements were available. When I logged into my account, the statements showed payments were due by XXXX XXXX in the amounts of {$220.00} and {$36.00} respectively. In response to these statements I made the respective payments that same day, XXXX XXXX. Later that month, I was online and saw that the bills were marked "" unpaid. '' I did an online chat ; the representative examined my accounts ; saw the payments ; and replied that the bills were indeed paid and were not unpaid. The following month I received bills that I was past due for the two payments. On XXXX XXXX I went into the local branch and spoke with a local branch representative, XXXX XXXX, who called and spoke with a credit card specialist, XXXX XXXX XXXX, XXXX, CA. in my behalf. She put him on speaker phone and was present as he examined my account and told me that because I paid the XXXX credit card bills on their statement closing dates, and "" since [ I ] paid them on the closing date the payments went toward XXXX [ not XXXX ] and technically I made a double payment for XXXX ''. He told me he did n't know why the system generated and emailed me my billing statements on the closing dates and to "" never ever pay on XXXX anytime again ... I do n't know why you were alerted on last date of statement ... new software ... still have time to correct it ... you will hear from someone in a week ... two payments made on XXXX XXXX for XXXX billing cycle were applied to XXXX cycle ... '' He told me he would reverse the late penalties ( {$27.00} each ) and until it was resolved, to make payments in the amounts of {$250.00} and {$100.00} respectively until the situation was correctly resolved and payments were applied to the XXXX cycle. I did not receive a call within a week. I went back to the branch and was connected with XXXX, and then her supervisor XXXX XXXX. XXXX XXXX told me there was nothing that could be done ; I effectively made two payments in XXXX. I explained I paid the bills in response to notice from the bank that the bills were due, and for that reason only paid them that day. I explained again that I received online notice of statements being available, the statements indicated I had payments of {$220.00} and {$36.00} due by XXXX XXXX, and in response I made these payments that day, which was XXXX XXXX. I stated that there was nothing on these statements that said do n't "" pay them before yet '' -- simply a due date -- and so I paid them upon receipt. She said I paid them on the closing date, therefore they were applied to the previous cycle, therefore the payments did n't count towards the XXXX statements and I was therefore late. I explained that "" XXXX XXXX was wrong ; the payments can not be applied to XXXX as intended '' She said the bank must follow the protocol.",,Consent provided,Web,2016-08-25,Closed with monetary relief,Yes,Yes,CR2080209,1594
2016-08-25,Credit card,,Privacy,,"I received a form letter from Eagle National Bank at the end of XXXX, XXXX demanding for an information profile update. The letter and forms are attached. I called EN immediately and was informed that if I did n't comply it would interrupt my services. I stated the only reason I have this credit card ( which I have had since XXXX ) was for charging items, etc. and did n't use any other EN services. And that I paid my charges in full every month. 
Today, XXXX XXXX, I tried to use the card and it was denied. When I called EN to ask why, they informed me that the XXXX required me to furnish EN with a physical address at which I receive no mail. When I looked at the XXXX XXXX of XXXX it stated this information was required for new accounts. And that some banks would sell this personal information. I went to my own bank and they said they had never heard of asking a long time customer for this type of information. To me this is an invasion of my privacy.",,Consent provided,Web,2016-08-25,Closed with explanation,Yes,No,CR2081419,3413
2016-08-25,Credit card,,Credit card protection / Debt protection,,"On XXXX XXXX my wife XXXX due to her "" HIDDEN FROM ME '' massive charge card debt. I notified every one of the companies that were a victim of her forgery and fraudulent activities. She shredded every document in this house and gutted our P.C. She robbed the household of our retirement money and was possibly the one that orchestrated the robbery of our home in XXXX of 2014. 
I found out about a Eagle National Bank account as a result of trying to borrow enough money from my credit union for her funeral. Initially EN had no information about me on record according to the branch bank I visited here in XXXX Michigan. In the spirit of co-operation I gave the person at that bank branch my S.S. number. EN has now turned all of her fraudulent charge card debt into an account for me. I have had to hire legal representation and told them I will see them in court for a resolution. 
Now in the last two days they have been calling my house by utilizing a recording. My attorney has advised me this is against the law and this is why I am contacting you. 
My attorney has sent them a letter advising them to leave me alone and any future correspondence should be directed to him. They are ignoring it. I do n't need this XXXX after my wife XXXX and gutting this household of most of the finances. They had better stop and it had better be sooner than later.",Older American,Consent provided,Web,2016-08-25,Closed with explanation,Yes,Yes,CR2079945,4310
2016-08-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-25,Closed with monetary relief,Yes,Yes,CR2080355,7324
2016-08-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-25,Closed with monetary relief,Yes,No,CR2081583,3650
2016-08-25,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-26,Closed with monetary relief,Yes,No,CR2078690,4680
2016-08-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-25,Closed with explanation,Yes,No,CR2081150,1444
2016-08-24,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank charged a {$35.00} overdraft fee for insufficient funds to pay themselves their own $ XXXX monthly maintenance fee. In other words, I did not have {$12.00} in my bank account, so they charged me {$35.00} when they billed the $ XXXX monthly maintenance fee, bringing my account to $ XXXX overdrawn. I called and complained but think that this is a scandalous policy that needs to be both revisited and revised.",,Consent provided,Web,2016-08-24,Closed with monetary relief,Yes,No,CR2080256,2304
2016-08-24,Bank account or service,Checking account,Problems caused by my funds being low,,"Hello, On XXXX XXXX, I noticed an overdraft fee of {$35.00} on my account ending in XXXX. The male representative ( I did not get his name ) told me that the overdraft fees of {$35.00} were being reversed since the account had overdraft protection. He said they were going to be taken care of, and to be patient. No further action was taken. 
On XXXX XXXX, I noticed another fee on the account, this time it was an extended overdraft fee of {$35.00}. This was due to the fact that the overdraft fee from XXXX XXXX was never reversed, even though the customer service representative stated it was to be done. 
On XXXX XXXX, I called and spoke with a customer service representative who would not reverse the charges, I escalated the call to a supervisor by the name of XXXX. After explaining my situation several times, XXXX repeated how overdraft protection works, and there was nothing she could do. I told XXXX that this was not a matter of how overdraft protection worked, but being accountable for the customer service representative. XXXX apologized, and stated the individual did not represent Eagle National Bank. I inquired, "" Are n't representatives of the company representing the company. '' I also asked if the call to be pulled several times. She evaded my questions, ignored me, and said there was nothing she could do. 
I then, asked to speak with someone higher than XXXX if she was n't able to do anything for me. XXXX told me she would get my number and have someone call me back. After a very long silence, a woman by the name of XXXX came on the phone and asked me, "" What was going on? '' I explained my situation yet again. I had to say my story over again. XXXX said, there was nothing she could do. I asked if she could just reverse XXXX of the overdraft fees since I was given the wrong information. I had XXXX {$35.00} overdraft fees, totaling {$70.00}. She flat out said no. I asked if she could listen to the call recording, and call me back. I hung up.",,Consent provided,Web,2016-08-24,Closed with monetary relief,Yes,No,CR2079170,12079
2016-08-24,Bank account or service,Checking account,Problems caused by my funds being low,,"I open a check account for my high school Soon XXXX XXXX XXXX Eagle National Bank at the time we open the account we made sure that it was not allowed for the account to over draft or allow any aver payments but the bank has charge my daughter over limit fees and over draw fees I contact the XXXX Eagle National Bank but no help, I ca n't afford to pay those unarguably fees.",,Consent provided,Web,2016-08-24,Closed with explanation,Yes,No,CR2079913,1864
2016-08-24,Bank account or service,Checking account,Problems caused by my funds being low,,"I open a check account for my XXXX daughter XXXX XXXX at Eagle National Bank at the time we open the account we made sure that it was not allowed for the account to over draft or allow any aver payments but the bank has charge my daughter over limit fees and over draw fees I contact the XXXX Eagle National Bank but no help, I ca n't afford to pay those unarguably fees.",,Consent provided,Web,2016-08-24,Closed with explanation,Yes,No,CR2080957,7970
2016-08-24,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I transferred money to my friend ( A ) using Eagle National Bank mobile banking. I put in phone number and full name when I submitted a transfer. My friend ( A ) thought his phone number was registered with EN mobile banking because the banking center told him he could use him number for mobile banking when he was opening his account. Also, he got text messages confirming the transfer and that his account would be credited. However, the money did n't go into his account but went into different person 's ( C ) account because that person 's account was registered with that phone number. So I explained to EN about the case and they said they would start the investigation. They told me that they have to get a verbal authorization from the person who has the money ( C ) in order to take money and give it to me. However, they told me that they had to deny my case because they could not contact the person who has the money ( C ). They said they could only contact them via phone, but that phone number is now owned by my friend ( A ) so every time they called, my friend answered the phone. I asked EN if they could send the person who has the money ( C ) an email or actual mail asking him/her to give the bank a call about the case, but the bank refused to do so. They said they can not do that. They said I have to take a legal action in order for them to release other information such as address or email address of the person who has the money ( C ). I complained about the fact that the money went into a different person 's account even though I entered the name of the person I intended to send money to ( A ) ; however, the bank said that they only use the phone number to match the account and the name is only for my reference. As of now, the bank is not cooperating to contact the person who has the money. There is no way for me to contact that person because I do n't know anything about the person besides the fact that his/her old phone number is registered with the account so my money went into his/hers.",,Consent provided,Web,2016-08-24,Closed with monetary relief,Yes,No,CR2079042,9641
2016-08-24,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I wanted to close XXXX Eagle National Bank IRAs ( with all funds in a money market account ) and transfer the funds to a XXXX account. According to XXXX, rather than a notarized signature, Eagle National Bank required a "" medallion signature guarantee '' in order to transfer the funds. As I understand it, this is a specialized service that should only be required for complicated securities transactions. However, Eagle National Bank requires it for all IRA transactions, even though in my case the entire balance was held in a money market fund. Moreover, Eagle National Bank does not provide this service at its own branches. Some other banks do offer this service, but only to their own retail customers. Luckily, after an afternoon of trying every bank in town, the bank that owns our mortgage agreed to provide the "" medallion signature guarantee. '' This seems like an unnecessary barrier erected by Eagle National Bank that makes it harder for customers to leave.",,Consent provided,Web,2016-08-24,Closed with explanation,Yes,No,CR2074741,2765
2016-08-24,Bank account or service,Checking account,Using a debit or ATM card,,"My bank allowed charges to go through on a fraudulent charge. On XXXX/XXXX/16 I saw an offer for free trail of XXXX and to pay XXXX for shipping and the end of my transaction it was an offer for another XXXX for the same offer to try as a combo pay only shipping, I made sure no additional payments were required finished my transaction, I checked my account and notice strange charges and called the bank, they said it was international charges. The combo XXXX came a couple of weeks later. On XXXX/XXXX/16 XXXX was charged to my card I checked my email for any invoices or confirmation of purchase everytime i shop on line it is how I keep track of my online spending I did not get anything. I called the bank and I put a stop on the purchased and reported fraud. They reversed the charges and i told them to block the vendor I did n't buy anything for XXXX charged was returned XXXX. on XXXX/XXXX/16 XXXX charged my charged my card again causing an overdraft, I called the bank and i asked how did the charge go through and they could n't explain how it happen they read the notes from the weeks before, so on XXXX reversed the charges again. i still had n't gotten anything in the mail the bank could n't locate a phone number so i could call. XXXX got the XXXX and it had a letter telling me I was defrauding them for not paying. i finally got a number and I called and i told them they were the fraudulent ones, and i wanted to send them back. He told me they did n't take medicine back but they would refund my money, i told him that i told the bank they were fraud, XXXX was his name wanted me to take the fraud investigation off, he gave me a confirmation. I called the bank after i talked to XXXX. I gave her the information she said she took down what i said and confirmation number. on XXXX the bank took XXXX out of my account and then again on XXXX another XXXX stated their investigation show no error the purchase was valid. the paper work from their investigation from their website do n't match the charges from my account. I didn/t keep the pills nor did i keep the papers that came with them. The bank would claim to take notes and more times than one they had no record of my many calls",,Consent provided,Web,2016-08-24,Closed with explanation,Yes,No,CR2076170,1691
2016-08-24,Bank account or service,Checking account,Using a debit or ATM card,,"Someone fraudulently used my debit card. I tried to call Eagle National Bank to report it but after waiting on hold for 30 minutes ... ... .... I hung up. I called back and talked with a customer Rep and she apologized but told me that there were long wait or hold times on the phone to report fraud for a debit card. If it had been a credit card then I could file the fraud complaint online. But could not file a complaint for a debit card. If someone has my card number and is charging fraudulent charges, it can be used just like a credit card. Except they are going through real liquid cash! This needs to changed ASAP.",,Consent provided,Web,2016-08-24,Closed with monetary relief,Yes,No,CR2080830,3576
2016-08-24,Credit card,,Advertising and marketing,,"I upgraded to a XXXX Spirit Airline Credit Card back in XXXX. 
I have used the card exclusively to obtain air miles. I went to use those miles XXXX recently only to find out that the miles expired because I was n't using the card. I explained to both Eagle National Bank and to Spirit Airlines that I have charges an average of XXXX to XXXX a month ( I can provide statement print outs for the last 12 months of charges in excess of XXXX each month ) - ( I can provide the last Spirit Airline statement ). 
Hours on the phone waiting, waiting and waiting ... prompts and then folks who can not really help. 
Are these Cards Scams? Should I really be using these types of cards?",,Consent provided,Web,2016-08-24,Closed with non-monetary relief,Yes,No,CR2079734,2837
2016-08-24,Credit card,,Billing disputes,,"On XXXX/XXXX/XXXX customer paid with Eagle National Bank Credit Card for repairs of a semi truck in the amount of {$3500.00}. On XXXX/XXXX/XXXX I was informed by my credit card processing company that there was a dispute in regards to the charge because customer was not satisfied with the service we provided and {$3500.00} was removed from my account. They also informed me the money is in the escrow account an till the issues is resolved. 
We were instructed to provide our statement and any documents proving our case. We provided detailed statement with every single receipt for all of the parts used in this repair. Along with the work authorization form. Shortly after money have been deposited back to my account at which point I expected the issue to be resolved. But today on XXXX/XXXX/XXXX this same amount was again removed from my account and when I called my credit card processing company they told me the Eagle National Bank ruled in favor of their customer and refunded the money. Eagle National Bank never contacted me or provided me with any documentation regarding how and why this decision was made. We spent almost {$2000.00} on the part for this repair work.",,Consent provided,Web,2016-08-24,Closed with explanation,Yes,No,CR2080465,74
2016-08-24,Credit card,,Closing/Cancelling account,,"Over paid a closed account at Eagle National Bank. Eagle National Bank had been "" processing '' the refund for almost two weeks. The first person said 3 to five days. Second said 7 to 10 days. Person this morning said review process not started. They either owe me {$76.00} or {$58.00}. Depends on who you talk to.",,Consent provided,Web,2016-08-24,Closed with monetary relief,Yes,No,CR2080037,11687
2016-08-24,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I had a XXXX money order stolen from the mailbox in 2014. It was deposited in and cashed at Eagle National Bank. I have been trying for almost 2 years to get my money back from the bank. XXXX has sent Eagle National Bank several letters with proof that it was stolen but the bank has been ignoring the letters. I have contacted the bank and they refuse to give me the money back. I am inclosing all of the correspondence between myself, XXXX and the bank.",,Consent provided,Web,2016-08-24,Closed with monetary relief,Yes,No,CR2080606,5460
2016-08-24,Bank account or service,Checking account,Problems caused by my funds being low,,"Under the intentional moves of fictitious overdraft fees without the account showing any negative amount balances and the negative cooperation to resolve all discrepancy issues by the Eagle National Bank at XXXX XXXX XXXX, XXXX, NJ XXXX representatives, assistant manager, also store manager ; home branch for my account, where I was forced to present this complaint seeking for a fair resolution without the need of taking the problem to the higher law enforcement institution. I do understand the bank account terms, regulations and fees that are applied accordingly without the conditions that now are reflected since XXXX "" OVERDRAFT Fees '' the ones provoked individually by a bank personal. As seen on the first evidence from the oldest date to the most resent, without any negative balances showing from the beginning date XXXX followed by deposits and withdraws without any negative balances as showing at the far right side of the overview statement where on the XXXX is a {$35.00} overdraft fee to a balance of {$220.00} follow by {$170.00} total fees on XXXX to a balance showing as {$450.00} provoking by the missing balance, a negative {$63.00} after the XXXX schedule debits for another {$70.00} overdraft fees that was reversed accepting the mistakes at the branch and trying to cover up an excuse to keep the {$170.00}, but not returning the prior unjustified fees of {$210.00} still missing at the present balance. Expecting a branch solution from the assistant manager : XXXX XXXX, who presented the issue to, I believe, the branch manager : XXXX XXXX without any positive result and followed by a chain reaction of more fees showing on evidences XXXX, XXXX, XXXX and XXXX for the fees total of : {$860.00} where I kept making deposits to maintain a positive account balance with the money I do not produce with my job, plus falling behind on my billing obligations due to this branch negligent where also the manager in question : XXXX XXXX who also likes to make moves with the given excuse of bringing the account holder attention under fictitious balance or false amount created on the account since a 2013 issue that provoking fraudulent duplicates to single deposit of {$2900.00} on a no funds check that was only to be returned, for a false amount by XXXX XXXX : creating intentionally a false negative balance of {$12000.00} on XXXX which is another unresolved old issue of another total of up to : {$210.00} that was followed by only a XXXX courtesy correction of only {$35.00} refunded, excuse to avoid accepting the wrong, as showing on XXXX of the evidences XXXX, XXXX and XXXX ; prior manager that have been removed or replaced today by XXXX XXXX XXXX who was supposedly to be contacted by XXXX XXXX, the last representative contacted about the {$170.00} case on a last attempt to peacefully seek for a solution to stop all the adding fees caused by the same missing {$170.00} that was refunded after the {$750.00} additional fees taken due to the time the wasted for this refund late correction and today keeps adding to a missing balance now of {$960.00} and growing, I got in contact with XXXX XXXX XXXX who also ignored by refusing to see the consequence that the delay for a solution that was created for the missing {$170.00} from XXXX to XXXX, for another bank personal that does not want to get back with a repaired result, time is running, plus I can not stop my payment obligations that are causing more fees!!! Hoping for fair result, I do offer my gratitude in advance ...",,Consent provided,Web,2016-08-24,Closed with explanation,Yes,Yes,CR2080493,93
2016-08-24,Credit card,,Rewards,,,,Consent not provided,Web,2016-08-24,Closed with non-monetary relief,Yes,Yes,CR2074766,339
2016-08-24,Credit card,,Transaction issue,,,Servicemember,Consent not provided,Web,2016-08-24,Closed with explanation,Yes,No,CR2078008,1849
2016-08-24,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-08-24,Closed with explanation,Yes,No,CR2080987,3641
2016-08-24,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-08-24,Closed with explanation,Yes,No,CR2079164,4071
2016-08-24,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-08-24,Closed with explanation,Yes,Yes,CR2078767,4104
2016-08-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Eagle National Bank just say not want to business with me. and put a hold on my bank account. and i cant get any funds from the account.Eagle National Bank account # XXXX and not give me why they closed. the account was not overdraw.will this closer stop from getting a new bank account at other bank",Older American,Consent provided,Web,2016-08-24,Closed with explanation,Yes,No,CR2074967,748
2016-08-23,Bank account or service,Checking account,Using a debit or ATM card,,"I applied for a job online and was asked to give my debit card number and pin for payroll. I complied ( which was a huge mistake ) the next day ( XXXX XXXX 2016 ) I noticed all kinds of charges coming out of my account and I also noticed that XXXX fraudulent checks were cashed. I immediately contacted the bank and had them filed a complaint and opened a claim with both the debit and check fraud departments. Instead of the bank cancelling my card, they canceled my mother 's card instead. My mother had to call the bank back and ask for my card to be canceled. She had to get a new debit card as a result of their error. On XX/XX/XXXX I called for a status of my claims and the bank representative supposedly put a freeze on my account, but then allowed the fraudulent checks to hit my account on both XX/XX/XXXX and XX/XX/XXXX. This was after I had spoken to them on the phone. I filed a police report on XXXX/XXXX/16, and gave the bank a copy of the police report. I have been working with the police to catch this person and have done everything the bank has asked of me. My claims were denied because the bank said that when they reviewed the surveillance footage at the ATM 's that XXXX people were shown using a card. Which proves fraud occurred because I was not in any of the videos. My guess is that they used the information to make a duplicate card. The bank never contacted the police department to obtain any information from them. When I called I was treated like a criminal. Why would I hand over all of the information that I have over to the police if I did something wrong? Here are my claim numbers : XXXX, XXXX, and XXXX. I have been calling about this issue every day since XXXX/XXXX/16 and it has not been rectified. I am a college student and was only trying to find a job to help my parents pay my tuition.",,Consent provided,Web,2016-08-23,Closed with explanation,Yes,Yes,CR2076874,3211
2016-08-23,Bank account or service,Checking account,"Account opening, closing, or management",,"I had a personal account that had a returned deposit because of fraud committed against me in 2015. I provided proof of this fraud which was also used to open accounts with other banks. Eagle National Bank stated they removed me off of XXXX and XXXX, which was already done the year prior. I had a business account with them in good and regular standing that was recently closed after I was approved for Merchant services and upgraded my account. Which apparently triggered a hotfile attached to me. This hot file was caused by someone stealing money from another account I wrote a check transferring funds out of town. When I got back I immediately made the account positive. They removed negative reporting but placed me on a hotfile. They closed my corporate account with no notice, one that I am a signor on costing my company thousands of dollars. They will not let me withdraw my funds, they will not be accommodating in any way shape or form and they refuse to act in good faith. I want to be removed off of the hotfile. I want an apology, and I want to be assured this issue is resolved. Eagle National Bank has blatantly not allowed me to solve this issue. They have been abusive, they have never responded to my request. I sent a packet to their internal group 4 times. They have been extremely abusive.",,Consent provided,Web,2016-08-23,Closed with monetary relief,Yes,No,CR2077624,2867
2016-08-23,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a new account XX/XX/2016 on a Saturday with Eagle National Bank. The account representative used misinformation to fraudulently and deceptively sale me the idea of opening the account that day. At the time of the {$10000.00} deposit I inquired about the availability of the funds then asked if there would be ANY funds made available. She told me not to worry because {$200.00} would be made available to me that same day after I mentioned that I needed to pay a credit card bill and provide an earnest down payment to a personal seller of a vehicle that I desired to purchase. The arrangement for a small cash payment would be a security deposit while the remainder of the funds cleared. I told the account representative who opened the account that I would just open the account at XXXX XXXX if there would be an issue with providing at least {$200.00} that same day. She again told me not to worry then escorted me to the teller to complete the processing activation of the temporary debit card. The teller then restated that the {$200.00} would be made available the same day on XXXX XXXX that Saturday. To my shocking surprise, I was not able to make a withdrawal until the following Tuesday XXXX XXXX. Unacceptable. I doubt Eagle National Bank makes it a point to train employees to blatantly lie in order to open new accounts with {$10000.00} check deposits. 

I suffered an XXXX due to the fraudulent and deceptive unfair trade practice. I have a XXXX of XXXX & XXXX XXXX XXXX. My symptoms were aggravated as a result of the misinformation causing personal injury.",,Consent provided,Web,2016-08-23,Closed with explanation,Yes,Yes,CR2074171,3548
2016-08-23,Bank account or service,Checking account,Using a debit or ATM card,,"Regarding Eagle National Bank Lack of Access to Fraud Reporting Today, XXXX XXXX, 2016 at XXXX PDT I called to report fraudulent activity on my checking account. I sat on hold for 24 minutes with the fraud department, then was transferred to claims for another 16 minutes, in all, it took 58 minutes to report an unauthorized transaction. 
Both Fraud and Claims department are seriously understaffed while the voice on hold says my time is valuable and maybe I should call to make an appointment to go to the bank. Though, when fraud is reported at the bank, they just point you to a phone in the corner. 
I 've spent less time waiting on IRS. There is a general withdrawal of services by EN and I feel it is a serious oversight in staffing for FRAUD when a consumer must sit on hold during workday for an hour. 
XXXX XXXX XXXX XXXX, 2016 XXXX to XXXX holding for a person in the fraud department. 
Phone : XXXX XXXX to fraud department prompts XXXX XXXX, 2016 XXXX to XXXX then holding for person in claims department. 
Transferred to XXXX XXXX ( claims )",Older American,Consent provided,Web,2016-08-23,Closed with explanation,Yes,No,CR2076068,4091
2016-08-23,Credit card,,Late fee,,"I have a credit card though Eagle National Bank called renovate. I was going on vacation and sent my bills out on XXXX XXXX. I received my next statement and they had charged me a {$28.00} late fee. The rest of my bills had all posted on XXXX XXXX. My statement says allow 7 days for payment. Not 7 business days, 7 days. They charged me a late fee on the XXXX. My account stated it was due on the XXXX. It cleared on the XXXX of XXXX. I called about the late charge date and the explanation that if the due date was a weekend, they would drop the charges. How does it take them 14 days to process my payment when my other bills processed in 5 days. This company is running a scam to fatten their pockets. I have now closed my account because of their shady business dealings and now they are probably going to send a bill for the full amount. We wonder why the middle class is struggling. All I wanted was for them to drop the fee and not use my "" one time '' fee removal. How many other people have they scammed.",,Consent provided,Web,2016-08-25,Closed with monetary relief,Yes,No,CR2075841,5462
2016-08-23,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-08-23,Closed with explanation,Yes,Yes,CR2075160,1468
2016-08-23,Credit card,,Transaction issue,,,Older American,Consent not provided,Web,2016-08-23,Closed with explanation,Yes,Yes,CR2077816,4417
2016-08-23,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-08-23,Closed with explanation,Yes,No,CR2074362,4163
2016-08-23,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-08-23,Closed with non-monetary relief,Yes,No,CR2076799,4564
2016-08-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-23,Closed with monetary relief,Yes,No,CR2077908,4507
2016-08-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-25,Closed with explanation,Yes,No,CR2076106,1448
2016-08-23,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,Consent not provided,Web,2016-08-23,Closed with non-monetary relief,Yes,No,CR2076490,4544
2016-08-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-08-23,Closed with explanation,Yes,No,CR2076135,4650
2016-08-22,Bank account or service,Checking account,Using a debit or ATM card,,"I had a checking account with Eagle National Bank. They now have the me in XXXX saying Suspected Fraud Activity ( SFA ). I owe them No Money so I want them to stop reporting me. I did dispute this already but they did nothing. And because of this I can not open another bank account. As for the SFA they did not give me any information about that. 
I remember I tried to use the atm card at a gas station in XXXX 2014 and after 2 swipes it didnt work. So I went inside for them to try it and I guess at that time B of A cancelled the card. I 'm thinking perhaps that 's what happened. But they are not giving me any information. Plus again I do n't owe them any money unless I would have paid them. Thank You ...",Servicemember,Consent provided,Web,2016-08-22,Closed with explanation,Yes,Yes,CR2073991,3732
2016-08-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"In 2006? I took out XXXX home equity lines of credit on XXXX of my properties. When I took out the loan I was lead to believe that line of credit would be for the life of the loan from my original morgage with XXXX XXXX. I got a letter from EN that states that the interest rate is going to go up. They show an amount that double plus more than I am currently paying. I went to them and asked if they would allow me to keep the present line of credit and I was told no, because they do not offer lines of credit any longer. I want them to reconsider my request and not allow my payments to go three times what I am paying now..",,Consent provided,Web,2016-08-24,Closed with explanation,Yes,No,CR2077886,4959
2016-08-22,Bank account or service,Checking account,Deposits and withdrawals,,"Stopped payment from checking account on XXXX XXXX, 2016. Eagle National Bank went ahead and accepted payment on XXXX XXXX, 2016. When payment was returned they charged me a {$35.00} overdraft fee. When I objected to this fee they refunded the fee because they were in error. Now they are trying to slip by another fee, a maintenance fee, because when they processed the stopped payment the account also went below the monthly minimum balance. I object to this scam as it is clearly a way to extract additional fees.",Older American,Consent provided,Web,2016-08-22,Closed with monetary relief,Yes,No,CR2077493,13447
2016-08-22,Credit card,,Identity theft / Fraud / Embezzlement,,"XX/XX/XXXX, I received a statement from Target stating I owed {$1000.00}. I had not used the Target card since XX/XX/XXXX and our account was paid in full, I immediately called Target. I checked my wallet and my Target card was gone. It was apparently stolen sometime between XX/XX/XXXX when I received a new card and XX/XX/XXXX when it was used. I filled out their affidavit of unauthorized use and the charges were reversed. However, Target has taken the stand that since the PIN number was used, I am responsible for these charges. This was a NEW card. I had never used it before. I have no idea how the PIN number was used. I have always signed for my Target card, I never once used the new chip technology card. I have sent t them proof that I was n't in the city where the charges were made but apparently they have n't bothered to look at the proof. They are determined to find me at fault. I did not use my card on the dates they provided me, I am \\ am not responsible for these charges and I am not going to pay them.",,Consent provided,Web,2016-09-26,Closed with explanation,Yes,No,CR2075279,13291
2016-08-22,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-08-22,Closed with explanation,Yes,No,CR2076451,4204
2016-08-22,Credit card,,Payoff process,,,,Consent not provided,Web,2016-08-22,Closed with explanation,Yes,No,CR2076038,6015
2016-08-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-08-22,Closed with explanation,Yes,Yes,CR2073948,142
2016-08-22,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-22,Closed with monetary relief,Yes,No,CR2074151,3181
2016-08-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-24,Closed with explanation,Yes,No,CR2075092,3386
2016-08-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-22,Closed with explanation,Yes,No,CR2076897,11
2016-08-21,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I went to a Eagle National Bank ATM to withdraw money for my daughter 's back-to-school shopping. The ATM took my debit card and did not return it or display a message. I 1. called the number on the ATM machine to report a problem. Could not do so because I did not know the number on my ATM card since it was in the machine. 
2. I called the phone number on the back of my credit card, got a human being who transferred me to an automated system where I could n't get help because I did n't know my ATMS card number. 
3. Used my mobile application to get connected to a person who also transferred my into an automated system where I could n't get help because I did n't now my ATM card number. 
4. Drove home and logged into my online account. Called the number and after several minutes was still getting offers for XXXX and some cruise line with no apparent way to get to a person. Hung up. 
5. Tried my mobile app again. Got a person who did order me a new debit card. Would not waive the expedited charge. Told him I needed to get cash today. He said he would transfer me to an emergency cash phone number ( promised a person ). Was transferred to another automated system that hung up on me when I pushed 1 for debit card questions ( the only other option was credit card questions ). 
6. I had to borrow money from a 16 year-old!",,Consent provided,Web,2016-08-21,Closed with explanation,Yes,No,CR2074020,503
2016-08-21,Credit card,,Billing disputes,,"Eagle National Bank says that they offer their customers a {$0.00} liability on unauthorized charges, but they hold me responsible for unauthorized charges and are in the process of wrecking my credit by reporting me as delinquent on fraudulent charges.",,Consent provided,Web,2016-08-21,Closed,Yes,Yes,CR2073517,1222
2016-08-21,Credit card,,Billing disputes,,"I closed a Eagle National Bank credit card XX/XX/XXXX and XXXX "" pro '' just charged the card {$190.00} and BofA let the charge through! Commonly, when credit # s change or cancel or whatever, the merchant that was trying to charge the card lets the customer know that they were not able to complete the transaction. Instead of this, BofA let the charge go through vs making XXXX come to me. BofA also tells me it is also impossible to dispute as this was previously a recurring charge. SO, even if you close a card - it is not really closed! BorA should have told the merchant, XXXX, that this card was closed a year ago! In trying to resolve the issue on the phone with Bof A yesterday ( for an hour talking to XXXX different people! ) all BofA was telling me to do is take it up wth Vimeo!",,Consent provided,Web,2016-08-21,Closed with monetary relief,Yes,No,CR2074116,2461
2016-08-21,Credit card,,Billing statement,,"I signed up for a new XXXX through Eagle National Bank. Via phone, I immediately set up automatic payments to be applied to my account so that my credit card balance would be paid in full on time every month. I received an account statement on XXXX XXXX reporting that my automatic payment would applied on XXXX XXXX. On XXXX XXXX, I noticed that I was charged a late fee and finance charge. I spent 45 minutes on the phone with Eagle National Bank trying to figure out why my statement reported that my automatic payment was all set up, but I was still charged a late fee and a finance charge. At the end of the call a representative waived these charges and attributed the incident to "" bank error. '' On my XXXX XXXX statement, it says that an automatic payment will be applied on XXXX XXXX. I do n't know whether to believe my statement, or to assume based on this experience that they are just printing this on my statements so that they can collect late fees and finance charges at my expense, forcing me to call into customer service month after month.",,Consent provided,Web,2016-08-21,Closed with monetary relief,Yes,No,CR2074086,189
2016-08-20,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank overdraft management is ridiculous, they delay any transfer received from another bank in order to charge any type of fees, obviously this abuse just happens with the pour people",,Consent provided,Web,2016-08-20,Closed with monetary relief,Yes,No,CR2073726,1812
2016-08-20,Bank account or service,Checking account,Problems caused by my funds being low,,"Checking account with Eagle National Bank was debited for XXXX transactions that came from an expired billing agreement with a fitness center. The billing agreement lapsed and the company has no right to bill me. Eagle National Bank has tacked on numerous fees after I was unable to reach anyone at Eagle National Bank to dispute the transactions. The transactions which caused these issues are not valid and as such, the penalty fees are not either. I dispute the validity of the negative balance and challenge the debt as invalid.",,Consent provided,Web,2016-08-23,Closed with explanation,Yes,Yes,CR2073584,1907
2016-08-20,Bank account or service,Other bank product/service,Using a debit or ATM card,,"Complaint Against Eagle National Bank There were fraudulent charges of a little over {$1200.00} on my debit card. Received temporary credit. Then the credit was reversed, ostensibly because Eagle National Bank 's Faud office stated this was not fraud. 
The withdrawals occurred in quick succession, at an unknown location far from us, while the card was in our possession. 
The withdrawals do not fit any previous pattern ( evidenced by bank statements for the past 2 years ) of withdrawal and no withdrawal has ever been made at those locations.",,Consent provided,Web,2016-08-23,Closed with monetary relief,Yes,No,CR2073694,11195
2016-08-20,Credit card,,Late fee,,"Eagle National Bank website does n't allow customers to setup an automatic pay for a minimum payment : customers have to guess an amount. If the guess becomes wrong at some point, the account goes into a past due status and a late fee of {$37.00} is charged. Eagle National Bank website does n't allow customers to setup an alert of past due amounts, so that they keep charging the {$37.00}, eventually report to credit bureaux, when customers finally realize the problem. Customers, like me, who has setup automatic pay, are notified that payments were made ( but not that they were insufficient ) have not reason to suspect that there is a problem. My guess is that millions of americans are falling into this trap, because other banks, such as XXXX, XXXX, XXXX, XXXX XXXX, to name just a few, have a website that enables customers to select "" pay minimum payment, '' so if that if minimum payment goes up, the account does n't become past due and the very high late fees are not collected. Customers in the XXXX XXXX expect a minimum level of customer service provided online, and Eagle National Bank is not providing that. 

Having an online presence that is misleading to customers ( i.e., automatic pay option, but not for minimum payment, and alerts available, but not for past due amounts or payments below the minimum amount ), could have been designed by Eagle National Bank to increase their revenue stream. I would like an investigation of the amounts collected by Eagle National Bank from all customers that experienced the same problem described here.",Older American,Consent provided,Web,2016-08-20,Closed with explanation,Yes,No,CR2073537,4484
2016-08-20,Credit card,,Closing/Cancelling account,,"I have had a Eagle National Bank credit card for over 13 years ( taken over from many more years prior with MBNA ). This card has a fixed rate of 5.9 % that originated from before Eagle National Bank acquired the card. Over time I had acquired a number of rewards points as well which were unused. I have historically had a very good use and payment history. Recently I paid down the card to what I thought was a {$0.00} balance. I attempted to use it recently and it was "" declined '' causing me embarrassment and inconvenience. I called customer service and after a 30 minute wait was told the card was closed. I did not ask the card be closed. I was told the reason for closure was a "" business decision ''. I was also told there had been an approximately {$29.00} balance on the card for the previous 2 mknths that I had not paid. I never received a bill for the balance nor did anyone contact me via telephone. Because I thought the account was paid off I did not expect to get any billing statements and thought nothing of it. Given my extensive history and good relationship I would have at least expected some sort of contact, even a letter, none of which I received. I believe in fact that Eagle National Bank was looking for a way to get out of a low and fixed rate contract which they would never offer to other clients and made a "" business decision '' to close it in violation of the contract ( and keeping me from knowing of the outstanding balance to ensure they had a "" reason '' to close it ). They have denied me my reward points and use of a favorable credit card all for their own benefit. I believe the account should be reinstated with the same terms and conditions. Lost money listed is my estimate of the rewards points value. XXXX exact value.",,Consent provided,Web,2016-08-23,Closed with monetary relief,Yes,No,CR2072083,4101
2016-08-20,Credit card,,Billing disputes,,"On XXXX XXXX, 2016, Eagle National Bank issued my monthly statement which showed a payment due on XXXX/XXXX/2016, of {$150.00}. I logged into their website that day, and, since it then showed a payment due for XXXX, I made a payment of {$220.00}. When next statement came out on XX/XX/XXXX, it showed my payment on XX/XX/XXXX, posted XX/XX/XXXX, but it said I was overdue, and I was charged a late fee of {$27.00}. I called customer service, and they could n't help me, so I requested a supervisor. I spoke to XXXX, who said all he could do was remove the late fee, return my payment to me and have me pay it again. I reluctantly agreed to this since he said it was the only option to make the account current without making double payments. The fact remains that the website said I had a payment due, and I paid it in good faith. Now I am stuck paying extra interest on the {$220.00} which will now post over a month later. This may not be a huge amount of money, but it 's wrong in principle and has caused me to waste a lot of time and aggravation. I feel punished for trying to stay on top of my bill. The bottom line XXXX told him is "" never pay the payment on the statement closing date, no matter what the website says ''. He did say he would submit my feedback about the site.",,Consent provided,Web,2016-08-20,Closed with monetary relief,Yes,No,CR2073200,7521
2016-08-20,Bank account or service,Checking account,Problems caused by my funds being low,,"I have XXXX accounts with Eagle National Bank. Select savings and checking accounts. I requested to link both accounts with the savings with the highest amount. I also requested for overdraft protection so that when ever the checking went low, funds would be taking from the savings when I made purchases. The savings account always had over {$1000.00} in it. I have been unfairly charged overdrafts fees over {$1500.00}. My branch has refunded about {$600.00} and says I have to make a report to get the remainder of {$900.00}. From the corporate head office. Apparently Eagle National Bank is known for that and have several people tell me they have similar issues. My concern is I always had funds in my savings account so I do n't understand why I will be charged overdraft fees whiles both savings and checking connected. Please help me get the refund of the remaining amount which is {$950.00}",,Consent provided,Web,2016-08-20,Closed with explanation,Yes,No,CR2073403,4082
2016-08-20,Credit card,,Other,,"Target is reporting an account on my credit report that was found to be in violation of the Fair Credit Reporting Act. I hired XXXX XXXX, an FCRA attorney in New Jersey, and we were able to sue them and the credit bureaus, and I won. As part of the settlement, they agreed to delete this account on my credit report but I see that it is still on there. I even disputed it with the credit bureaus and they came back and verified it. Is n't that another violation of the FCRA?",,Consent provided,Web,2016-08-20,Closed with explanation,Yes,No,CR2073781,2522
2016-08-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-20,Closed with explanation,Yes,No,CR2073191,2844
2016-08-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have a safe deposit box at the local Eagle National Bank for 10 years. I recently hear that that location is closing and so I called the branch on XXXX/XXXX/16 to ask when should I go and collect my safe deposit contents. I was informed that the box has been drilled open and the contents are sent to a "" central '' location. I was never notified that they will do this. I live XXXX miles away from the bank and the rental fee is directly debited from my BofA bank account. This is not ok. My valuables are tampered & they have not been returned to me as of this date of complaint.The bank also told me XXXX different stories of how the contents are handled. XXXX version was the entire box was wrapped up without opening the box and exposing the contents. XXXX version was the items were inventoried by bank personnel.",,Consent provided,Web,2016-08-23,Closed with monetary relief,Yes,No,CR2071988,6144
2016-08-19,Bank account or service,Checking account,Deposits and withdrawals,,"I submit a complaint yesterday as well. In short a garnishment was taken out of my account without me being notified at all from the law firm, so my account is currently negative. In addition to having all of my funds taken right out of my account I had a "" legal processing fee '' for {$120.00} on my account causing it to go negative. My issue is that my bank should be protecting me and not dipping into my account and taking money that does not exist, and then attempting to charge me overdraft fees for them over drafting on my account. I have already expressed my concerns with the bank but this needs to be resolved immediately or I will be taking my service elsewhere. To me it seems like taking advantage of someone already in a poor financial situation and I will not stand for it. 

Aside from the legal service fee and my bank over drafting on my account I had been informed today that the funds had already been processed and removed from my account for the garnishment. I 've done a lot of research and know that legally I am supposed to have a 2 day period where my funds are frozen, which did not happen, it has not even been 24 hours. During this time period I am supposed to receive paperwork for possible exemptions from garnishment from my financial institution which I have not received. I check my mail daily and open everything I receive from my bank, including bank statements. I am fully convinced this is illegal, since they have n't taken the necessary steps required by my state to allow someone to garnish money from my bank account. I have contacted an attorney regarding this matter. 

This charge was not on my account for this processing fee until yesterday evening, whereas some of the transactions that are still processing were from the day prior. I also believe the charges were applied to my account incorrectly in an attempt to cause me to incur additional fees and thus for the bank to collect more money from me. 

I am filing this as a follow up complaint to exercise my rights as a consumer and to express my further concerns.",,Consent provided,Web,2016-08-19,Closed with monetary relief,Yes,No,CR2073267,1470
2016-08-19,Bank account or service,Checking account,Deposits and withdrawals,,"I was getting ready for work this evening and was caught off guard by a notification on my phone saying that my checking and savings through Eagle National Bank was below {$25.00}. Naturally, I frantically went to the application on my phone and looked at my account. It had somehow went negative and the entire balance of my account was on hold to be withdrawn. My next reaction was to call the bank and inquire because I had no idea what was going on, I spoke to someone on the general customer help line and instead of being helpful he keeps asking me if I am 'aware ' that my account has been overdrawn and accused me of over drafting on my account, which I clearly had not because earlier in the day my account was fine. So, in addition to having my entire balance being withdrawn I 'm negative for these alleged overdraft fees as well. He tells me to call their bank fraud hotline, which I did and the guy on the phone was only slightly more helpful he told me that the charge was a "" garnishment '' and gave me some random phone number to call. At this point I 'm beyond frustrated and puzzled so I call this number not sure of who I 'm going to get on the other line, it turns out to be some sort of debt collection law firm. Of course I both call them leaving a message and send an e-mail telling them to contact me immediately. I explained the situation and how I have no idea who they are, what this is for, and that by draining my entire account I 'm left temporarily destitute. Anyhow, I did more researching and this 'garnishment ' apparently was from a credit card I stopped paying when I was XXXX years old, so this was 8 years ago. My question is what on earth do I do? Is there anything that can be done through my bank? What is my next step? I 've been doing a lot of reading and if there was a judgment made on my debt, I was n't aware of it or properly notified. If I were able to afford to pay off the debt I would have. I just graduated and have a large amount of student loans, not to mention all of my other monthly expenses. What about the statute of limitations, in my state it is 7 years and my last payment on that credit card was 8 years ago. This company is supposedly located in Missouri, XXXX XXXX XXXX and their statute of limitations in that state is 10 years. The law firm representing them is located in my city and state. Does this make a difference? What are my rights and what can I do to get myself out of this terrible situation and get my money back?",,Consent provided,Web,2016-08-19,Closed with monetary relief,Yes,No,CR2073354,6469
2016-08-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XXXX/XXXX/2016 I posted an ad to sell my car in XXXX website for XXXX . Got a response from XXXX XXXX ( XXXX ) XXXX on XXXX/XXXX/2016 saying he is interested in purchasing the car for the full listed price. He mentioned that he is in XXXX and would send a check for the entire amount to secure the vehicle and will stop by in a day or two and pick it up. Received the check via USPS ( XXXX ) on XXXX XXXX. Deposited the check in my Eagle National Bank checking account on XXXX XXXX itself. On XXXX XXXX I verified with my bank and they said the check is cleared and the funds are available for expense. XXXX called me on XXXX XXXX and asked me to deposit XXXX $ back to "" XXXX XXXX XXXX '' XXXX ( Eagle National Bank ) to cover his furniture expenses which got delivered early and he promised to pay me back the XXXX $ when he picks up the car. Since my bank ( EN ) said the check is cleared and funds are available I went to the bank and did a transfer from my checking account to the account he specified. On XXXX XXXX XXXX again called and asked for XXXX $ to be sent to XXXX XXXX ( EN ) to cover his furniture expenses. I checked my bank accounts to make sure that the funds are available and since they were available I first transferred XXXX dollars online but XXXX insisted on transferring them via bank I went to bank and transferred again so total of XXXX $ was transferred on XXXX. As of now I have transferred back XXXX . On XXXX morning he again called and asked me to transfer the remaining money to another person XXXX XXXX ( EN ) and I pushed back saying I am not going to do it. He then mentioned that he will not be able to buy the car from me due to personal reasons and wanted me to transfer the remaining money back. I went and checked my bank accounts and saw that the initial check that i deposited from him for XXXX $ was put on hold and my checking account balance has gone down by XXXX . From then on I have tried to contact him multiple times via phone and chat and he keeps saying he will pay me back but have not received any money so far. Eagle National Bank though initially acknowledged that the check got cleared and funds are available is now saying that the check bounced back due to insufficient funds and left me in limbo. He still calls me and txts me saying he will pay when he gets money but I strongly feel that this part of a big scam. I went and updated my ad in XXXX and the same person called me as XXXX using a different number XXXX. I confronted him immediately saying that I have already spoken to u regd. my car and he immediately hung up on me. These scammers use XXXX XXXX to hide their real phone numbers and scam people. 

I wan na file a complaint against EN as well. If they would have told me that the funds are available because we deposited it on behalf of the sender but the check is not actually cleared then I would n't have transferred the money back to him in the first place. Normally when a big amount of check is deposited they will hold the bigger portion of the check until the check get 's cleared which they clearly did n't do in this case. On XXXX I deposited a check for XXXX dollars which they have put on hold till XXXX which they did n't do for the XXXX dollar check which was deposited on XXXX and the entire funds were made available on XXXX. When called the agent said check is cleared and need not worry about anything.",,Consent provided,Web,2016-08-19,Closed with explanation,Yes,No,CR2073113,3330
2016-08-19,Credit card,,Billing disputes,,"A payment was due and received on my XXXX XXXX XXXX with Eagle National Bank on XXXX XXXX. It was received as it has always been via electronic payment directly from my bank account. Yet when I signed on to online banking today, XXXX XXXX, two weeks later, to check this credit card account, a red symbol came up indicating that a "" payment is due '' on this card. This is false since the next payment, for less than the last XXXX, is not due until XXXX XXXX. 
When I called the number provided on the online banking website to discuss this account ( XXXX ), I was on put on hold for at least XXXX minutes. This is after I had to call back XXXX4 times due to the inability to reach a customer service representative in a reasonable manner initially and having to deal with an unsupervised computer that blocked the way to being able to reach a human being. So after at least 20 minutes of wasted time, a person picked up the line. At that point, I questioned the false information showing up about a payment being due on EN 's website, whereupon the person I spoke to started to tell me various things I could do to correct EN 's website. 
Since I am not a EN employee and had already had too much of my time wasted, I then asked that the person put a note on my file stating that I had requested, should a company ( Improvements ) attempt to charge my credit card, that it not be allowed to do so. The person I spoke to refused to grant my request and instead dissembled and obfuscated my request by offering to note something on my file that I had not requested.",,Consent provided,Web,2016-08-23,Closed with explanation,Yes,Yes,CR2071997,3803
2016-08-19,Credit card,,Credit determination,,I applied for a credit card from Eagle National Bank and they denied me credit saying that I have a past due account with them and XXXX of their associate companies when I do n't have any account with them and do n't have any past due accounts at all. All of my credit accounts are current and never have been past due.,,Consent provided,Web,2016-08-23,Closed with explanation,Yes,Yes,CR2072852,4698
2016-08-19,Credit card,,Billing disputes,,"I authorized a charge to have Eagle National Bank Privacy to charge a monthly fee to my credit card for fraud protection. My husband and I have divorced and I have continued to ask Eagle National Bank Privacy to stop the charges as I no longer authorize them to continue. They will not let me stop the charge. I am the owner of the credit card, and have always been the lead account owner. I have gone to Eagle National Bank and stated I have asked them to stop the charge and they will not do so, so I wanted to dispute the charges. They will not let me dispute the charges. I feel this is a catch 22, and I am the one suffering these monthly charges that I have wanted to stop and they are making money at my expense. I am asking for your help as I feel my rights are being violated and I need this money to go towards other expenses.Please help me!",,Consent provided,Web,2016-08-19,Closed with non-monetary relief,Yes,No,CR2071791,2945
2016-08-19,Credit card,,Convenience checks,,"My wife and I have a joint credit account with Eagle National Bank. On the XX/XX/2016, taking advantage of a mailed offer from Eagle National Bank, we endorsed and deposited an access check in a checking account at our local bank. Several days later on XXXX I wrote and mailed XXXX checks drawn on this account. At that time my bank listed the funds from the access check as available. On XXXX XXXX my bank informed me that the access check had been returned NSF. I called Eagle National Bank on XXXX XXXX and talked to XXXX. She asked me for my bank account and routing numbers and assured me that the funds would be deposited in my account the next day. The next day, XXXX XXXX, after no funds were deposited in my account I again called Eagle National Bank. I was told by XXXX that the money would be in my account the next day. Once again this did not happen. By this time I am beginning to pile u NSF charges at my bank. On XXXX XXXX I was able to speak to a supervisor at Eagle National Bank, XXXX XXXX. XXXX put me on the line with XXXX XXXX. Both of them stated that they had determined that their bank had made an error and they assured me that any costs I incurred at my bank would be covered by them. XXXX told me she would call me back. One week later I left voice messages for XXXX 3 times and emailed her once. She finally called me after several more days and advised me that my bank would have to file a protest. Can you help me? I am out {$360.00} and Eagle National Bank is stonewalling me, hoping I give up I suppose. 

Contact info at Eagle National Bank ; XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX",,Consent provided,Web,2016-08-19,Closed with explanation,Yes,Yes,CR2069892,3103
2016-08-19,Credit card,,Identity theft / Fraud / Embezzlement,,I have submitted many claims to XXXX with regards to this Target account reporting on my credit file. This account was stolen and fraudulent transactions took placed. Please remove this account from my credit file. I have submitted Fraud Affidavits to Target and to XXXX.,,Consent provided,Web,2016-08-19,Closed with explanation,Yes,No,CR2072726,1875
2016-08-19,Credit card,,Unsolicited issuance of credit card,,,,Consent not provided,Web,2016-08-19,Closed with explanation,Yes,No,CR2073433,4705
2016-08-19,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-19,Closed with explanation,Yes,Yes,CR2073277,5358
2016-08-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-08-19,Closed with monetary relief,Yes,No,CR2073146,3646
2016-08-18,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I am unfortunately writing to BCFP because I do not know where to turn to given the multiple failures at Eagle National Bank. 
My family and I just moved to XXXX and attempted XXXX international wires ( amounts vary from {$68.00} to {$10000.00} ) to XXXX different entities in XXXX and XXXX. All the international wires failed miserably between XXXX XXXX and XXXX XXXX. 
The failure continued despite calling BofA five times, spending about 7 hours on the phone ( a portion of it includes international roaming and XXXX charges ) while I was in XXXX. I spoke to about XXXX Eagle National Bank employees and managers in customer service, on line banking, international wires and digital services ; to no avail! I was given many reasons why the wires failed. I was told last week, when I was still in XXXX, that if I wanted to access my money I needed to travel back to the U.S. and go to a local branch!!! I was also sent an email stating that Dodd-Frank triggered the cancellation of my wires, including the one for {$60.00}! I came back to the U.S. this week and went to the NY headquarter. On Tuesday XX/XX/XXXX, BofA managed to send a wire to my personal XXXX account in XXXX, but I am told that I still can not make international wires through my online banking. At first, it was implied that I should travel to the U.S. for my international wires! After complaining, BofA offered to set-up a telephone wire account, which is still more expensive and inconvenience especially when abroad, compared to a functional online account. 
The entities to whom I am sending wires, are receiving funds from their other clients with the same account, routing, XXXX, XXXX numbers, address, etc information. The problem could have been with XXXX entity but not XXXX!. At each wire attempt, I received online confirmation that the wires were set-up correctly and would go through. No one at BofA still understands the reason for the failure ... In my humble opinion there are bigger issue of competency, customer service, management, etc. 
Besides losing control over aspects of my personal finances, I lost credibility with various entities in XXXX when I am their only customer with these unbelievable issues. This is definitely not the type of first impression I want to make, especially in XXXX. 
We moved to XXXX in 3 week and have been there a month, so there is pressure to settle in and organize our lives : secure housing and school for our son, control interim expenses such as hotel, moving out soon of a friends house to not be undesirable guests, minimize avoidable ATM and XXXX fees, when our XXXX XXXX is not accepted, etc. 
Important personal administrative and logistic issues took a back seat to this nonsense. 
XXXX housing opportunities were lost besides wasting time. The rental vacancy rate XXXX is worse than XXXX or XXXX ( less than XXXX % ) ... Paper checks are not accepted in XXXX so payment to others or myself are not feasible. Traveling to drop cash to various entities is XXXX century, a waste of time and expensive. This experience was very stressful and frustrating. 
In addition XXXX now lost my signature card, so my wife can not withdraw money from our XXXX joint account until the beginning of next week once I return to XXXX and sign a new customer card! 
I wasted hours on the phone, holding BofA staff 's hand, coordinating their effort with their various departments. I am sure you will agree, it is not the client 's responsibility to ensure a seamless experience or bluntly said to solve BofA 's problems.",,Consent provided,Web,2016-08-18,Closed with non-monetary relief,Yes,No,CR2067621,2909
2016-08-18,Bank account or service,Checking account,"Account opening, closing, or management",,"I can not open a bank account due to the fact the Eagle National Bank flagged me on XXXX. I have n't been told any specifics expect that fraud might have been suspected, which I did n't commit.",,Consent provided,Web,2016-08-18,Closed with explanation,Yes,No,CR2069119,3807
2016-08-18,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited a Check from my XXXX XXXX Account to my Eagle National Bank Account. 
I deposited using a check because it was after hours on XXXX XXXX, 2016. 
On my receipt the deposit receipt says that the check has been placed on a 10 day hold because "" XXXX XXXX is reporting that there is a high likelihood '' that this check will not be honored. 

1 ) When I wrote the check the funds were available on deposit at XXXX XXXX Bank. 
2 ) XXXX XXXX Bank is communicating to third parties that my checks are high risk according to recorded conversation by Eagle National Bank! 
3 ) Eagle National Bank is placing holds on checks for extended periods ( 10 Day ) and then not taking that hold off once the checks are cleared by the bank in which the check was written against. 
4 ) This is denying me access to my funds. 
5 ) In this case, I know for sure that this check cleared on XXXX XXXX from XXXX XXXX Bank. 
6 ) On XXXX XXXX, 2016, Eagle National Bank restated that "" XXXX XXXX Bank '' was advising Eagle National Bank Bank that the check was to be considered high risk, even though the check had cleared XXXX XXXX on XXXX XXXX, 2016! 
This is false information and I have discussed this with XXXX XXXX and nobody knows how to fix it! 

I want XXXX XXXX Bank to STOP reporting false information!",,Consent provided,Web,2016-08-18,Closed with monetary relief,Yes,No,CR2070416,4812
2016-08-18,Bank account or service,Checking account,Deposits and withdrawals,,"I opened an account at Eagle National Bank. A couple days later it was closed by their Risk department. I have {$300.00} in the account that the bank is not letting me withdraw - they are holding and investigating the money due to a "" cash jam '' at the ATM when I deposited the {$300.00} cash. I was told I can not get the money back.",,Consent provided,Web,2016-08-18,Closed with explanation,Yes,No,CR2070868,4752
2016-08-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"In XXXX, I applied for unemployment in California, they issued a debit card from Eagle National Bank, on which I would be receiving my payments. I finally applied for my tax return in XXXX, the amount of payments that XXXX in California said that I was suppose to receive is in conflict with what I actually received. Asked Eagle National Bank three times to e-mail me the print-outs for XXXX of the deposits made by XXXX unemployment in California to my debit card. This is time sensitive because the IRS has given me certain amount of time to straighten this problem out. The first e-mail I received was only for XXXX XXXX deposits. Called Eagle National Bank again, the second e-mail the print-out was compressed, could not make out what was a deposit or purchase or anything, called Eagle National Bank one more time, they said they would send out the e-mail, did not receive the e-mail. I need this information as soon as possible that I may make sure that the deposits the unemployment made are the same with the records what I have to be able to do my tax return correctly for XXXX. Would like to receive a phone call when they e-mail this information for the fourth time. Thank you.",,Consent provided,Web,2016-09-02,Closed with explanation,Yes,No,CR2069790,3776
2016-08-18,Credit card,,Identity theft / Fraud / Embezzlement,,"A former bookkeeper we fired opened credit accounts in our name. Eagle National Bank is one of those accounts. We have sent police reports and FTC ID Theft notarized affidavits to Eagle National Bank. BofA is not taking the action required under the FCRA to delete this fraudulent account from our XXXX credit file. Deleted from XXXX and XXXX, but not with XXXX.",,Consent provided,Web,2016-08-18,Closed with explanation,Yes,No,CR2071531,1471
2016-08-18,Credit card,,Identity theft / Fraud / Embezzlement,,I was recently going through my bank statements after a charge was denied and I knew I should have had the funds in my account. After finding out that I had a fraudelent charge on my account I started going through my past statements and I discovered that over {$7000.00} Had been stolen. I filed a claim and waited on a response. My claim was denied because they say my actual card was used in the withdrawals that took place. How can this happen? I know no one ever had my card in their possession. And it had charges from a casino and other states I have never been too. I want my money back asap.,,Consent provided,Web,2016-08-18,Closed with explanation,Yes,No,CR2070130,11609
2016-08-18,Credit card,,Other,,"Was requested by the State of Wyoming complaint number XXXX Important documents were mentioned in my index of documents but were not included by consumerfinance.gov Please add these documents to the complaint. 
Thank You XXXX XXXX",,Consent provided,Web,2016-08-18,Closed with monetary relief,Yes,No,CR2071469,3493
2016-08-18,Credit card,,Delinquent account,,"XXXX Credit Bureau - Eagle National Bank - Paperless client - Paid off the account in full, waited two weeks and looked again and still paid in full. Eagle National Bank failed to notify me that I owed any pending accrued interest. They waited until my account was past due before they sent a letter. I paid off in full as soon as they told me. All accounts that have principal paid in full should notify the client with letter of any accrued interest coming due instead of waiting until delinquent to issue a letter of past due account. Why should anyone accept a paperless billing ( saving paper etc ) when the bank uses it against the applicant at closing of the account.",Older American,Consent provided,Web,2016-08-22,Closed with explanation,Yes,Yes,CR2070926,1613
2016-08-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-08-18,Closed with explanation,Yes,No,CR2068230,3487
2016-08-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-18,Closed with explanation,Yes,No,CR2070453,11804
2016-08-17,Bank account or service,Checking account,Problems caused by my funds being low,,"Contacted Eagle National Bank about NSF fees. Explained that XXXX creditors XXXX and XXXX XXXX had double debited my account and the reversals of the second debit were in process with XXXX companies. I advised that this situation had caused my most recent overdraft situation and would like some concession of NSF fees at {$35.00} each. Representative read me the relevant disclosures about keeping sufficient balances in my account etc. Since overdrafts are decisioned electronically the cost to the Bank is in the pennies at most. The cost to their customers however, is {$35.00} each. This seems to be an exorbitant profit margin on that "" product ''. The profit on the forced sale of bank penalties is probably in the 5,000 % range over the cost of providing the "" service ''. The bank should have the strategy and the process in place to quickly and efficiently process alternative ways of responding to its NSF policy and strategy when long time customers clarify a real life, verifiable, predicament. This NSF revenue or profit center is a dishonorable way of making profits and delivering shareholder value for a large publicly owned institution.",,Consent provided,Web,2016-08-17,Closed with monetary relief,Yes,No,CR2069305,4812
2016-08-17,Bank account or service,Checking account,Problems caused by my funds being low,,"I am a Eagle National Bank customer for many years ; during these years, the bank has been taking my money by the way of over draft. They do not show any pending transaction online and as soon as I make a payment they will post overdraft fee the next day. Yesterday, they did the same thing with XXXX {$35.00} overdraft fees. I am sick and tired of their cruel tricks and embezzlement of my money. I have XXXX children and struggle with life and banks were suppose to be helpful and supporting. I need help to put a stop to this. They hold back my payments until they can get me on overdraft. Oh, by the way, they approved a payment knowing that my fund was low and immediately they post the overdrafts fees the next day.",,Consent provided,Web,2016-08-17,Closed with monetary relief,Yes,No,CR2068414,3569
2016-08-17,Bank account or service,Checking account,"Account opening, closing, or management",,"I am absolutely and in certainty that I can prove Nonfeasance, Misfeasance and Malfeasance from Eagle National Bank. I am a simple man, who is making the best to his ability to re instate himself a member of society after enduring many years and still a XXXX XXXX XXXX XXXX and a Beneficiary of SSI. I engaged my direct deposit from a previous debit account to Eagle National Bank to begging the recovery of my credit and support my self with one of their Secured Credit Cards to support my credit and compliment my only source of income and my years of studying in a new LLC company to begging. I have read their entire contract agreement and under their protocol they are allowed pretty much to do as is with my banking accounts by separating accounts at their own will to conflict with ones minimum financial support by linking at their advantage and this I understand to be with in their legal grounds. "" The Nonfeasance is advising you that you must have your Physical Card in hand to withdraw your own money from your up to date Secured CC, but yet they do allow themselves to do so with out need of my card, In the attempts to closing my CC accounts they have denied me the right to my property ( money for the secure CC ) extending it to a 15 to 21days and a mandatory payment to be made even after account closed dated but until a check or the funds are transfer back into my checking account at their disposition witch had already created Burned du to their furnishing Misfeasance in the correct balances, receipts, call in center and the lack time line accuracy that they disseminate to you at the convenience or the atm actual machines lack of paper or bumped off the system, the malfeasance comes when they promote and assign my secured credit card agreement with out the policy agreement that states that I can not close the account at the same branch and with the same banker location and that I would Have to call their CC center to accomplish this in the attempt to prevent as I was affirmed that my cc closing will refund my funds to my checking was fallacy and the friday afternoon attempt to their cc call center was answered and was told that their system was down. This is cause for my burden to overdraft my checking account unable to access my secured money having them trespass on my property when in prior and several consultation to unlink accounts the fallacy of the Secured CC Being as the contract states that the Secured CC was for a total Credit amount Equal to what I deposited, this was the fallacy their system caused my 1st direct deposit due to their system s fallacy and proof of the SSA office in writting that it was B of A who Received my Deposit and Returned it due to their date filing or lack of protocol, in witch ever so it cause them to overdraft my checking and my Secured CC with a XXXX Cap to their advantage to charge me overdrafts that assaulted my credit rating to drop to the lowest ever in my entire credit history XXXX points. This was devastating and it continues to be. I my struggling with my burden with getting things right my credit and my business has failed to be where their Circumlocutory ethics of diffusing their prerogative and assault on the ever trusting people is not a rumor as I when asked only because I am having to barrow and struggle to barrow money to get by and lost the struggle at times to move on is a common know from this bank,. The Fact is that I am a simple man and I am self educated and I know a very little but I know that I have the papers the research to prove that this is a direct attempt to cause. And its Important to organization like you guys to step up to these problems because to be honest that is the exact shared vision that I support my history in business to be amongst other consumers issues on other professions, NOTE "" professionals who act this way is criminal.",,Consent provided,Web,2016-08-17,Closed with explanation,Yes,No,CR2068218,2670
2016-08-17,Bank account or service,Savings account,Deposits and withdrawals,,"I received a call last night from XXXX XXXX, XXXX XXXX XXXX XXXX ext. XXXX a Eagle National Bank representative. She stated that she was here to help me and that she works closely with the risk department. She also stated that she received my complaint from CFPB and wanted to address my concerns. So I asked XXXX questions, 1. Why are you guys holding my check until XXXX XXXX when it was drawn on a Eagle National Bank account? 2. Why is my account being closed. The rep could not answer either question. She kept stating to allow her 15 days to review my account and she will get back to me as she had not researched my account as of now. I stated well what was the purpose of you contacting me if you did n't know what was going on. I advised that she should have researched and then reached out to me. She then stated that she knew why my account was being closed and kept stating well you signed the signatures cards and because of that Eagle National Bank does not have to disclose this information to you. I asked if they were going to cover my late fee that I occurred because of this and she kept saying give her 15 days to review my account. I advised that I do not have 15 days to wait and had I known this, I would have simply cashed the check and paid the fee that they charge for not being an account holder and I would not be going through this nightmare. These people at the risk closure department XXXX XXXX XXXX XXXX Option XXXX feel as though they can do whatever they want to the consumers and nothing will happen to them and that they do not have to tell the consumer anything and they do not have to give the consumers their fund within the time frame disclosed in the disclosure form but yet want to mention the disclosure form when it is against the consumer. I need my money and I want them to cover my late fee.",,Consent provided,Web,2016-08-17,Closed with monetary relief,Yes,No,CR2067992,1722
2016-08-17,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"On XXXX XXXX 2007 I applied for a personal loan at my bank Eagle National Bank here in XXXX XXXX, Fl, the load was for a XXXX XXXX XXXX that was for sale at a very good price. So I needed to move on the sale, XXXX XXXX XXXX was the XXXX and man who handled the loan! On XXXX XXXX XXXX XXXX called me to come over the bank to sign for the loan, when I got there he told me for some reason the bank had made it a secured loan with my house ( which was paid for ) as security. ( my home is valued at about XXXX ) I did n't like the idea, but thinking XXXX XXXX was a friend and I had been doing business for years with him I accepted it, mostly because he told me I could pay ahead and have it paid off in a short time ( the loan was for 15 thousand dollars and it was for 25 years ) I have been paying, and doubleing up payments and sometimes more, I noticed that the balance did n't seem to be going down even though my agreement with XXXX XXXX was that any payment over the base amount would go toward principal! 
Upon checking I found that the bank had not been doing as they agreed and between XXXX XXXX, 2007 till now I have paid {$9600.00} in intrest and if I continue to pay as they want I would be paying over 100 % intrest on this loan. I would thing that this loan, was called a simple intrest loan, is named that because a person has to be simple to accept XXXX, in fact when I complaind to the bank the woman laughed and said they do n't give these loans anymore! I woulf like for Eagle National Bank to go back and figure what I ouw then if they would have followed the original agreement I had with the loan maker XXXX XXXX XXXX Bank Manager and loan maker!","Older American, Servicemember",Consent provided,Web,2016-08-17,Closed with explanation,Yes,No,CR2069491,3381
2016-08-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"The Eagle National Bank has grossly mishandled the POA and POD accountssssss that were set up for my terminally ill mother and continues to operate at the height of incompetence during estate proceedings. They have issued POA checks POA checks drawn from the incorrect joint tenancy accounts, they have issued checks issued checks that could not be used by merchants, they have sent POA check to the checkbooks to the wrong address. In the interim, the POA account could not be accessed not be accessed on line, nor could an ATM card be issued for it. They advised me to try to break into my mother 's on line account by guessing the passwords which I finally was able to do. When she passed away, they denied immediate access to a POD account even though a death certificate was presented and notarized on the grounds that their "" policy '' preferred that joint beneficiaries present their claims as the same time, when they are clearly entitled to half a portion each. When informed I was a long term B of A customer, they "" relaxed their rules '' even suggesting that I could get some more "" preferential treatment. '' They advised that they were not sure when they could send my portion and advised that I should just "" look for it '' in the mail. When I finally got them to call the Estate Division, they finally understood the money was immediately payable. 
My sister, upon arriving from her home in XXXX, went through the same hoops with the XXXX branch. they got me on the phone and finally after several hours conceded she should receive the money too. 
My father went to cash out and close the Joint Tenancy account he had with my mother which is now his ( with no questions ) as she had died. 
They proceeded to draft a check from the POA account which should have been frozen, claiming now that the {$5700.00}. joint account was a POA account. They finally corrected it after I spent two hours on the phone with the Estate Division.The breach of their fiduciary duty and the standard of custom, practice and ethics in the industry calls for redress. It is abominable and warrants a class action as many others have grievances as well. 
Three branches are involved. And the problems persisted and would not go away.",,Consent provided,Web,2016-08-19,Closed with explanation,Yes,No,CR2069022,2930
2016-08-17,Credit card,,Identity theft / Fraud / Embezzlement,,"My Uncle and I opened a Eagle National Bank credit card last year. Eagle National Bank mailed out new credit cards without advising us. They said the cards went out activated. They said the cards must have been intercepted per Eagle National Bank 's customer service representative. Fraud charges were charged on the card, they all but accused us od doing it. The person that did the fraud was able to make charges, make fraudulent payments and charges in another country. Eagle National Bank did not do their due diligence in protecting the account and our information. They also sent info to the credit bureau closed due to fraud by credit grantor which made it look like we did the fraud. So after all of this they are telling us they closed the account and we would have to reapply for a card. This should be illegal, so if they deny the credit card being reopened it 's negative and if they open it it 's a ding on our credit report. We should not be penalized for this. I am not going to ra apply, we should just be issued another card and we should be able to close the account not them. They punished us the customer for something we did not do. This is less than a bank and I believe the fraud is an inside job. Too much happened on the account for it to be an outsider. Please help us resolve this issue.",,Consent provided,Web,2016-08-17,Closed with explanation,Yes,No,CR2068283,170
2016-08-17,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,I called Eagle National Bank and asked how much it would be to protest a check tat their customer wrote since he has refused to come into pay for it. After keeping me on hold for over fifteen minutes they informed me that they do not protest checks. In New York we need to protest a check before we can go to the police to try to recoup our loss,,Consent provided,Web,2016-08-17,Closed with explanation,Yes,No,CR2069021,249
2016-08-17,Bank account or service,Checking account,Using a debit or ATM card,,On XXXX XXXX i was charge to my bank account {$170.00} XXXX XXXX XXXX DEDUCTIBLE XXXX XXXX XXXX XXXX PA {$170.00} I never gave no Authorization for this merchant to charge my debit card for this amount and i file a dispute with Eagle National Bank and they Have Denied the Claim cuz they said that no error occurred and EN Wants me to provide additional documents that i really do n't have at the moment please help me with this situation this is fraud i and the bank closed my debit card and they gave me a replacement debit card for this transaction wont occur again. Eagle National Bank they are not really helping me to get this issue resolved i never authorize them to take money out my account.,,Consent provided,Web,2016-08-17,Closed with explanation,Yes,Yes,CR2067622,407
2016-08-17,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX/XXXX/16 at approximately XXXX XXXX I tried to deposit {$300.00} in cash at the Eagle National Bank drive up ATM in XXXX XXXX. 
The ATM malfunctioned & displayed a message "" please wait ''. After some time grinding mechanical noises coming from the ATM & it returned {$150.00} of my deposit & kept {$240.00} within the machine along with my card. 
My wife was in the car at the time & we immediately used her card to get a mini-statement to ascertain if the {$240.00} had been deposited to the account. The statement read only {$0.00} dollars were deposited ( transaction # XXXX XXXX ). 
We called the ATM helpline printed on the machine XXXX. After 30mins on hold we hung up & decided to visit the branch when it opened at XXXX. 
At XXXX we spoke with the branch assistant manager who told us to continue to call the number again as "" there was nothing they could do '' in the branch. 
After calling the Eagle National Bank helpline XXXX & on hold for XXXX we eventually spoke to XXXX & explained the issue. Eagle National Bank opened a REG E claim & we were told the investigation would take up to 10 business days. 
After 10 business days elapsed we called the Eagle National Bank helpline & were told our claim was denied as the ATM showed that we had deposited {$0.00} & this money had been correctly credited to our account. I explained to the operator that the resolution was wrong & they needed to reopen the XXXX XXXX claim. I also explained that the ATM was not equipped to take coins. The operator explained that the case was closed & at this point I requested to speak to a supervisor. The operator put me on hold for XXXX mins then came back on the line stating that the supervisor required a new case be opened & further 10 day investigation take place. 
I explained to the operator that this was unacceptable & the case should be reopened immediately & addressed quickly as I was accruing interest charges due to Eagle National Banks error. I asked to speak directly with the supervisor. The operator put me on hold & then immediately hung up the call. 
Being sick of ENs telephone customer service I revisited the XXXX XXXX XXXX to resolve the issue in person. On XXXX/XXXX/16 the assistant manager I spoke to understood the problem & that the Eagle National Bank resolution was incorrect, & advised they would expedite reopening my case. I was told to expect a call back within 24hrs. 
On XXXX/XXXX/16 at XXXX after having no call back I called the branch. I was put through to the assistant manager who advised me that the ATM department was looking into the issue & I could expect a call back on Monday XXXX/XXXX/16 with the resolution. Monday & no call back. 
Tuesday came, no call back. I tried to call the bank & asked to speak to the manager, I was told they were with a customer & I should call back later. I requested that the manager call me as soon as they were finished with the customer & left my details. I never received a call. 
Wednesday came & the assistant manager called me. They explained that they had located the malfunction in the ATM & that it was around {$260.00} & I could expect the amount to be credited within the next few days & they would call again to confirm the case was closed. 
On XXXX/XXXX/16 after having no contact from the XXXX XXXX assistant manager I called the EN Helpline again. After being on hold for 20+ mins I was told that the case was reopened but would n't be responded to for 10 business days. I explained that the ATM malfunction had already been found & asked to be transferred to a supervisor to resolve the issue & expedite my claim. The operator put me on hold & then immediately hung up. 
On XXXX/XXXX/16 my balance shows Eagle National Bank has corrected my account by {$130.00} not the {$240.00} their malfunctioning ATM seized. 
It is clear that nobody at Eagle National Bank cares about this issue, or even remembers that I entrust them with my hard earned money. Neither do they care about the fact I am accruing finance charges.",,Consent provided,Web,2016-08-17,Closed with monetary relief,Yes,No,CR2069101,4308
2016-08-17,Credit card,,Credit determination,,"I am respectfully requesting that Ally Banks processes be verified in regards to discriminating against lawful residents that are not U.S Citizens. I have experience discrimination in several degrees throughout the process of applying for accounts and a credit card with Ally Bank. I have never experiences any issue with other banks as my credit report portrays me as a reliable borrower, however, Ally Bank requested verification documents to prove my identity. After I sent my non-american passport along with documents proving that I am a U.S resident and bank account statements, Ally Bank still rejected my application. Every time I have reached out to have the situation analyzed, they have simply submitted my application for reconsideration without any updates or changes to their decision. I have been made very upset when agents would state that Ally Bank is an agency for U.S citizens alone as a I know that should not be the case. 

If you have any information that may be helpful to me, I would appreciate it very much. 


XXXX, XXXX XXXX XXXX XXXXXXXXXXXX",,Consent provided,Web,2016-08-24,Closed with explanation,Yes,Yes,CR2068862,4473
2016-08-17,Credit card,,Credit determination,,"Target REDcard declined my application for a credit application and was declined based on the annual income and credit report. I noticed that when the Target cashier was filling out my application, she input my income as {$12000.00} and never asked me to input my income. The only thing I was able to provide was my ID and input my SSN into the Target POS terminal. My income is much higher than what she input and should have easily qualified for a Target REDcard. My complaint is that this cashier likely did the same thing to other customers who were asked to fill out the card and they all will be declined by Target. All of their credit will get pulled by Target and applications rejected because of how this cashier processed their applications.",,Consent provided,Web,2016-08-17,Closed with explanation,Yes,No,CR2069081,4177
2016-08-17,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-08-17,Closed with explanation,Yes,No,CR2065216,6363
2016-08-17,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-08-17,Closed with explanation,Yes,No,CR2067901,4207
2016-08-17,Credit card,,Privacy,,,Older American,Consent not provided,Web,2016-08-17,Closed with explanation,Yes,No,CR2069230,2426
2016-08-17,Credit card,,Credit determination,,,,Other,Web,2016-08-18,Closed with explanation,Yes,No,CR2068415,125
2016-08-17,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,Consent not provided,Web,2016-08-17,Closed with non-monetary relief,Yes,Yes,CR2069266,9933
2016-08-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-17,Closed with explanation,Yes,No,CR2068106,1685
2016-08-17,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-19,Closed with explanation,Yes,No,CR2068467,13673
2016-08-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have a HSA account with Eagle National Bank, I called to close my account. 
The first lady said no problem, she would transfer to to my EN checking account, should be in there the next day. 
The next day it was n't in my account!! 
I called and the next lady said there was no record of me calling. 
I explained to her what the fist lady had said. 
She said no it would take XXXX to 7 business day. 
no way to speed up. 
Jus another way to hold on to your money.",Older American,Consent provided,Web,2016-08-16,Closed with monetary relief,Yes,No,CR2066733,3564
2016-08-16,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,"I hope this complaint serves as a reference to improve the policies in place for citizens of a different country in the same condition as mine. 

I 'm a XXXX and arrived to the US two weeks ago. I 'm currently receiving financial aid from the Missouri government, to be more specific from the Family support division and I have tried to cash in unsusesfully the cheque I have received. I went to the closest XXXX store and a Eagle National Bank branch for this purpose, and I was told that without a SSN or a US ID I could not cash in the cheque. I already applied for a work permit but it will take a few months for me to get it. Only after I get the work permit I 'll be able to apply for a SSN and that is going to take a bit longer. This is a challenging situation for someone who has been XXXX in the US and is in the process of getting the US documents. I 'm receiving the social aid cheque, but I ca n't do anything with it. There should be a special procedure for unusual cases like mine where an individual should be able to do this sort of transactions or open a check in account in a bank without having some challenging policies in place.",,Consent provided,Web,2016-08-16,Closed with explanation,Yes,No,CR2067269,1108
2016-08-16,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened an account on Friday, XXXX XXXX, 2016 after visiting Eagle National Bank to cash a payroll check. On Saturday I attempted to use my card and was advised that my account was being closed. I called on Monday to see why and they advised me that they did not have to tell me as it was a business decision that they made. They advised me that the payroll check which is drawn on their bank is being place on hold and that the hold went into affect on XXXX XXXX, 2016 and will not clear until XXXX XXXX, 2016. The branch manager of XXXX XXXX XXXX could not understand why they would hold a payroll check for so long since my employer uses Eagle National Bank. They refuse to give me an explanation as to why my account is closing. They refuse to give me my funds after the branch manger has already written on the check that a deposit via my mobile device. This is beyond unacceptable as the department that is handling this refuses to speak with me nor give the branch manager an explanation. This has caused me to be late on a bill that I needed to pay and if they issue me a cashiers check via mail, I will be losing funds as they will charge me a fee to cash the check. This bank feels that they can treat me any kind of way and they do n't have to answer to anyone or give any reason.",,Consent provided,Web,2016-08-16,Closed with monetary relief,Yes,Yes,CR2067306,883
2016-08-16,Bank account or service,Checking account,Using a debit or ATM card,,"PERSONAL INFORMATION AND IDENTIFICATION WAS COMPROMISED/ STOLEN BY SOMEONE, AND BANKING ACCOUNTS WAS UTILIZED FOR ILLEGAL ACTIVITIES. AFTER BEING AWARE OF THE INCIDENT ALL MY ACCOUNTS WERE CLOSED BY THE BANK AND REPORTED TO EARLY WARNING SERVICES WITH FALSE ACCUSATIONS WHICH DEFAMED MY NAME AND CREDIT FILE.",,Consent provided,Web,2016-08-16,Closed with explanation,Yes,No,CR2063861,171
2016-08-16,Credit card,,Rewards,,"Eagle National Bank sent me a credit card offer in the mail, offering XXXX XXXX miles as a credit card sign up bonus. I applied for and was approved for the card, made the minimum spend, and was told I would only get XXXX miles, as I was not approved for the offer they solicited, but got a lesser account. I called and was told that this was in the fine print, as my credit was not good enough. My credit score was XXXX at the time I applied, which means that my credit was excellent, and in the upper half of all applicants. This is a bait and switch. I called EN to ask them to credit me the full miles as promised, and they refused, saying it was in fine print on the XXXX paragraph on page XXXX of the offer. Nowhere on the main offer do they suggest that this offer is only for the top 20 % of applicants. This is dishonest and deceptive marketing.",,Consent provided,Web,2016-08-16,Closed with explanation,Yes,Yes,CR2067054,3874
2016-08-16,Credit card,,Closing/Cancelling account,,"I have Eagle National Bank cash reward credit card since XX/XX/XXXX or XX/XX/XXXX ( this is also my first credit card ). I have set auto-pay for this credit card. It worked well in past years. But the auto-pay stop working since XXXX XXXX. I did not notice that since most time I use my other credit cards. Then I received a mail from EN said I did not payoff my balance for 3 months, and I have to pay off the balance otherwise my credit card account will be closed. I paid the balance ( less than {$45.00} ) immediately. But my account still being closed, and my accumulated cash reward is also gone ( it is about {$24.00}, since it is less than {$25.00}, EN said can not redeem my reward ). 


Actually, I 'm totally fine with the close of this credit card account. 
BUT this experience makes me upset and angry. 
1 ) it is not my fault that auto-pay does not work. I have credit cards of XXXX, XXXX, XXXX XXXX. and all other credit cards work well with auto-pay. The reason I set auto-pay is I don not want to spend time to keep an eye on them. 
2 ) I just noticed my FICO credit score dramatically drop from XXXX to XXXX after that. 

I have over $ XXXX in my EN checking account, and they close my account for balance of {$45.00}, and the reason is their auto-pay does not work. Why they can not give me a call at the very beginning, but mail me after it happened for 3 months. 
The worst part is it will take me very long time to reestablish my credit, and it will affect my subsequent purchases ( mortgage interest ).",,Consent provided,Web,2016-08-17,Closed with explanation,Yes,No,CR2066964,190
2016-08-16,Credit card,,Customer service / Customer relations,,I have tried on numerous occasions to negotiate a hardship payment request with the company. They refuse to negotiate or grant hardship until I am delinquent at least two payments. I have not missed a payment in ten years and have paid late once within the last year. This late payment was in two days of the due date. The only option Eagle National Bank gave was to ask for my XXXX interest rate to be lowered. When I requested ton have my interest rate lowered 3 different times they refused to lower the rate only stating that the interest rate at this time is correct for this type of account. I should not be made to go delinquent to negotiate a hardship. I am trying to remain current on my payments just not in this amount. At this point with the interest rate as high as they have it after paying {$300.00} as a minimum payment only {$35.00} was counted towards the principal. The rest went to interest. They also counted my purchases after the payment was made thus increasing the balance after I made my payment. I also feel this is predatory because XXXX of my other credit cards are giving me a lower interest rate. I am starting to wonder if they are charging me more based on my race and not my credit score.,,Consent provided,Web,2016-08-17,Closed with explanation,Yes,No,CR2063828,154
2016-08-16,Credit card,,Forbearance / Workout plans,,"Towards the end of XXXX my husband had some unexpected health issues that caused him to miss work along with several unexpected medical related expenses. We got a couple of payments behind on our Eagle National Bank credit card. I contacted them in XXXX to see what we could do to catch up the payments. I was told that after 4-6 on time payments the account would be reaged. I contacted them in XXXX XXXX and was told that I must wait until XXXX. When the account was still not reaged at the end of XXXX, I contacted them again and was told that I would need to make 2 more monthly payments and it would be reaged. And again today they are telling me to continue making on time payments until XXXX and they will review.",,Consent provided,Web,2016-08-16,Closed with monetary relief,Yes,Yes,CR2065695,373
2016-08-16,Credit card,,Payoff process,,"We have automatic payments that come out of our XXXX to pay a Eagle National Bank credit card monthly. We recently sold a home and decided to pay off the Eagle National Bank credit card, not with our XXXX account, but with another account XXXX. We went online, changed the bank to XXXX and submitted the payment. This was on XXXX XXXX. The next day our XXXX account was debited for {$11000.00}. This left us {$11000.00} overdrawn since we only had {$300.00} in that account. We called Eagle National Bank and explained the situation, they could not say why the funds were taken from the wrong account. They cancelled the payment and told us it would take from 2-9 business days for them to return the funds. Nothing was or is overdue, our account was up to date. We then called XXXX to explain the situation, they were willing to wait for Eagle National Bank to return the funds. Luckily Eagle National Bank returned the funds ( XXXX ) the next day on XXXX XXXX along with the {$40.00} fee for NSF. We thought the problem was taken care of. On XXXX XXXX they resubmitted the debit to XXXX for XXXX. Their reasoning was that their system is automated and automatically would try to retrieve a prior payment with NSF. However XXXX paid the charge the first time so it was n't as though the system would recognize it as not paid. Today is XXXX XXXX, there have been 3 phone calls and countless hours. They promise that they will return the funds to our XXXX account within 2-6 days. We had to call XXXX again and repeat the same process. They have sent us a complaint form which we will fill out this evening.",,Consent provided,Web,2016-08-16,Closed with explanation,Yes,No,CR2065808,3066
2016-08-16,Credit card,,Other,,"i am not request for credit card from target company on XXXX/XXXX/2016, on my credit report they showing HARD in quire on that day can you please help me to dispute the report because i am ready have the debit card for target i do not need that card thank you very much for you support",,Consent provided,Web,2016-08-29,Closed with explanation,Yes,No,CR2066194,1500
2016-08-16,Credit card,,Credit determination,,,,Consent not provided,Web,2016-08-16,Closed with explanation,Yes,No,CR2065629,1914
2016-08-16,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-16,Closed with explanation,Yes,No,CR2067093,584
2016-08-16,Bank account or service,Checking account,Deposits and withdrawals,,,,Other,Web,2016-08-18,Closed with explanation,Yes,No,CR2067009,11008
2016-08-16,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-16,Closed with monetary relief,Yes,No,CR2066198,2795
2016-08-15,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited a Bank America cashier 's check in an ATM machine at the XXXX Branch in XXXX Florida on a Saturday XXXX/XXXX/2016 and the ATM machine ate the check. Waited 30 minutes to get a phone answered and did reported it via phone, physically went to the bank that Monday to report the problem and provided them a copy of the check. Am being told there is nothing they can do with the {$970.00} deposit but wait for 90 days to put a stop payment on the cashier 's check and reissue it again. NOT ACCEPTABLE TO MAKE ME WAIT 90 DAYS BECAUSE THEIR MACHINE ATE THE CHECK.",Older American,Consent provided,Web,2016-08-15,Closed with monetary relief,Yes,No,CR2063474,2632
2016-08-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I join a mystery shoppers evaluation company that allowed me to go shopping and evaluate stores and banks but I have learned that the company was using another company 's name and payroll to pay us the money and when the other company learned of this stopped the checks putting me in an awkward place with the funds because I had already put the check in my bank and withdraw the money to make the transitions I were told to make. This putting me negative with my bank.. please help and get the money back for my bank so they want think bad of me, I was scam n this company needs to be put on notice. It 's service XXXX and XXXX XXXX XXXX .... 
XXXX and XXXX",,Consent provided,Web,2016-08-15,Closed with explanation,Yes,No,CR2063974,3390
2016-08-15,Bank account or service,Checking account,Problems caused by my funds being low,,"I used to have a free checking account at Eagle National Bank. I wo n't pretend I 'm a perfect customer. There have been times when it 's been my fault that the account was over drafted and fees were charged. However, now that I 've been more careful about my spending, I still get charged fees. I have auto transfers set up to move {$550.00} out of one account and put it in another from which I pay my rent. It 's supposed to happen 2x a month on Friday, the day after I get paid. On more than one occasion, BofA began processing that transfer on Tuesday or Wednesday and charged me fees because the balance in the account was below {$550.00}. I intentionally set the transfer to happen AFTER pay day so I would n't encounter that problem.",,Consent provided,Web,2016-08-15,Closed with explanation,Yes,No,CR2063159,3471
2016-08-15,Bank account or service,Checking account,"Account opening, closing, or management",,"I was scammed by an individual who was offering me employment, and sent me what later turned out to be a fraudulent check for equipment purchasing. Equipment that I would be using for the job he offered me. I deposited the check in my Eagle National Bank Checking Account at the counter. There was a hold placed on the check for 4 days. So I notified my "" employer '' that I would n't be able to purchase the equipment until the check cleared. One day before the end of the hold, I attempted to login to my online banking through my phone. It said that online banking was n't available to me. So I called the help line provided, only to discover that my online banking had been closed by order of the risk department. I asked to be transferred over. After being transferred to the risk department I was asked to give my social, name, phone number, and passport number or my account number. Finally, they told me that all my accounts were in the process of being closed. They told me that the reason for this is that I had deposited a fraudulent check. I asked if there was aything I could do, and the only thing they said was that I could write a letter to some PO Box in Florida. So with no prior notification or communication of any of the issues plaguing my account, they decided to close it. I did not even merit an email saying that they would be closing my account. My issue is that I was n't even notified of any fraudulent activity nor was I notified that they were closing my account.",,Consent provided,Web,2016-08-15,Closed with explanation,Yes,No,CR2063251,1272
2016-08-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"On Thursday XXXX XXXX 2016 at approximately XXXX am I was denied service from a Eagle National Bank located at XXXX XXXX XXXX XXXX, XXXX, Wa XXXX. I went to have my account verified as required by HUD for low income housing and was told by the manager XXXX that they would not be able to sign paperwork given by HUD verifying my Eagle National Bank account.When I asked why the only explanation that was given was that she did not feel comfortable verifying my account. I have been a Eagle National Bank customer for 10 yrs and know that this is not common practice.",,Consent provided,Web,2016-08-15,Closed with explanation,Yes,No,CR2063778,2364
2016-08-15,Bank account or service,Checking account,Problems caused by my funds being low,,"XXXX has continued to charge the wrong account even after I have changed the method of payment linked to XXXX. As a result, my Eagle National Bank account has been charged an exorbitant number of overdraft fees and my balance is now negative. I have tried to speak with customer service, however the bank 's proprietary software does not allow more than a certain number of fees to be refunded and prevents any autonomy within bank branches and for customer service agents. This is unnecessarily punitive and anti-consumer.",,Consent provided,Web,2016-08-15,Closed with monetary relief,Yes,No,CR2062871,925
2016-08-15,Credit card,,Credit determination,,"I obtained a secured credit card from Bank America in XXXX XXXX. I provided {$99.00} and received a {$500.00} credit limit with the "" opportunity '' to increase the limit and have my deposit returned after six months. At the same time, I was issued an unsecured credit card for {$7000.00} with XXXX. I used the BA card and paid the total balance faithfully over the next six months. At that time I requested and increase and return of my deposit. I was refused and told to re-request at my one year anniversary. Over the period of this past year I worked on restoring my credit rating with XXXX up to XXXX. Upon re-requesting on XXXX XXXX, my one year anniversary, I was again refused. The letter I received states my score on XXXX/XXXX/XXXX was XXXX. Not true it was XXXX. Many years ago, I incurred over $ XXXX in personal debt keeping a business open. I spent over 5 years paying off that debt as of XXXX/XXXX/XXXX. I have since re-established my credit and currently have other unsecured charge cards totaling {$12000.00} in credit limits with only XXXX % being utilized. I no longer have any serious delinquencies, no public records, and only XXXX collection on record of {$260.00} which I paid for in XX/XX/XXXX. I only have XXXX total inquiries over the last year, XXXX of which are the BA increase requests. I just lost XXXX points because I made this latest request from BA. I 've also been notified that I will be billed an Annual Fee of {$39.00} on my XX/XX/XXXX BA statement. I actually had to go back in my checkbook to XXXX XXXX to find out how much I paid BA for a deposit fee. It 's not listed on any of my statements. They have had {$99.00} of my money for over one year. Is this highway robbery or am I just dazed and confused? I 'm sure I am not alone ; there are probably thousands of poor souls out there like me. Thank you for your thoughtful consideration and being there for us citizens. I had nowhere else to turn and appreciate any assistance you can provide..",Older American,Consent provided,Web,2016-08-15,Closed with non-monetary relief,Yes,No,CR2064022,2984
2016-08-15,Credit card,,Transaction issue,,,Older American,Consent not provided,Web,2016-08-15,Closed with explanation,Yes,No,CR2064089,2621
2016-08-15,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-08-15,Closed with monetary relief,Yes,No,CR2063426,1647
2016-08-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-16,Closed with explanation,Yes,Yes,CR2062538,1338
2016-08-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-08-16,Closed with explanation,Yes,No,CR2062735,2554
2016-08-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-17,Closed with explanation,Yes,No,CR2064258,872
2016-08-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-08-15,Closed with monetary relief,Yes,No,CR2062693,1127
2016-08-14,Bank account or service,Checking account,Problems caused by my funds being low,,"XX/XX/XXXX, I went into my local branch to get assistance with my checking accounts. I explained to the branch manager that I lost my job and my income was reduced from XXXX/yr to unemployment checks of XXXX per week. As a result I made an error and accidentally overdrew my account. This created a snowball effect and several items posted to my account along with the {$35.00} OD fee for each transaction. By the time the dust settled, Eagle National Bank had charged me {$450.00} in OD fees. In tears I asked the manager if I could get some assistance with some of the fees as I have been a long time customer with an excellent track record and XXXX mortgages with EN. The manager said he was unable to help me and that he would escalate this situation to the "" back office '' and try to get me some assistance with refunding the fees. He also advised me to contact customer service to see if they had more authority in this area. 
# 1. I contacted customer service via phone and explained my financial circumstances and advised that the {$450.00} in OD fees is equivolent to one of my unemployment checks leaving me with no money to buy groceries or pay my utility bills. The representative placed me on hold and came back to the line stating that the OD fees were not a result of a bank error and that I made the mistakes so therfore the fees are valid and she would not be able to assist me. 
# 2. I went back to the branch and spoke directly to the branch manager along with a personal banker and they said : "" If thats what customer service stated then there is nothing they can do ''. 
# 3. I went back to the branch for a THIRD time and advised that I unknowingly received my last unemployment check on XX/XX/XXXX and all of my automatic bill payments came in because I was expecting a deposit into my account on XXXX XXXX. This time I asked if they could temporarily place a hold or freeze on my account to prevent additional debits and {$35.00} OD fees from accumulating to the point where I will not be able to resolve with no income. ONCE AGAIN, I WAS TOLD THERE IS NOTHING THEY COULD DO FOR ME AND THEY WERE SORRY. The branch manager opened some kind of "" case '' that would go to his regional manager as she had the authority to waive some or all of these fees that were greatly hurting me. 
# 4. I went back to the branch a FOURTH TIME to find out the status of my case and the branch manager said he was told there is absolutely NOTHING HE COULD DO FOR ME although I have been a customer of EN for many years and have NEVER asked for assistance with my accounts before now. He stated that it would not hurt EN to refund the OD fees for me and reward me for being a longstanding customer but EN does not care about its customers and therefore am only trying to make money off of me in fees. 
# 5. At this point, Eagle National Bank has collected or assessed almost {$1000.00} in Overdraft related fees and charges. They have also refused to place a hold or freeze on the account last week when I requested such. This refusal is an unscrupulous and eggregious policy designed for EN to keep charging me additional fees that I can not afford to pay. I am a single mother with a son in college and in need of being able to put food on my table and keep the electricity and water on. I did not plan on getting laid off and I most certainly did not plan to have my unemployment benefits end prematurely. I need every dime I have to support myself and EN is taking the little money I have left without regard or remorse of the impact to my family. When I had $ XXXX in my account and bought second new home with EN, the attitude and level of service I received was quite different than the rude, uncompassonate and disrespectful way I am being treated today. The Executive Office at EN should know this his how its bank really treats its customers.",,Consent provided,Web,2016-08-14,Closed with monetary relief,Yes,No,CR2062885,1788
2016-08-14,Credit card,,Advertising and marketing,,"I am an XXXX of the XXXX. I have been unfortunately been receiving credit card offers since graduation from Eagle National Bank under the guise of XXXX. I consider these mailings to be predatory in nature, but unfortunately the CARD act seems to allow them. They do require the XXXX to post details about its financial compensation on their website, while they do have an informational page that essentially amounts to advertising, the link they provide to the disclosure simply leads to a credit card application through Eagle National Bank, this seems to be a clear violation of the CARD act. ( XXXX ) - website",,Consent provided,Web,2016-08-14,Closed with explanation,Yes,No,CR2063089,1178
2016-08-14,Credit card,,Other,,"To whom it may concern I have sent this letter below three times for complaint and adjustment to Eagle National Bank Credit Card, see please after this paragraph and they send a standard letter back see attached, I need to get the 30 days late payments of from XXXX, XXXX and XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX. I need to refinance my mortgage, I have no pbms with other cards just Eagle National Bank, also they closed my card in the financial crisis of XX/XX/XXXX to XX/XX/XXXX and also close down the credit card insurance when I was unemployed with no delinquencies. 

Letter sent- to Eagle National Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XX/XX/XXXX resend in XX/XX/XXXX Complaint Department XXXX Consumer Credit Cards Eagle National Bank Office of the President XXXX XXXX XXXX XXXX XXXX , XXXX XXXX FAX # XXXX Account # XXXX Eagle National Bank Customer since XX/XX/XXXX I am writing to dispute the following information that your company provided to XXXX , XXXX and XXXX . 

This is all due to the Customer Service Representative ( whose name nor ID number has not been disclosed by Eagle National Bank ) represented the following to me during a Customer Service Call in XXXX XXXX : In order to bring my account up to date, if minimum monthly payments of $ XXXX/month were made, that my account would be brought up to date within 4 months. The Customer Service Representative calculated this amount for me over the phone and thus this was the basis of my payment. 

He did not advise that during this time the account would also be reported in a derogatory status on my credit report, such as "" Late '' or "" Delinquent '' in paying this amount to bring the account current. 

As such, I have been paying as per the agreed upon instructions of the Customer Service Representative $ XXXX/month, which was less than my minimum statement payment at the time the Eagle National Bank Credit Card Customer Service Representative advised me. However, I have also been reported as "" Late '' on my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Additionally, a second payment was made for the XXXX XXXX due date by Customer Service Supervisor XXXX XXXX in the amount of {$650.00} in order to completely bring the account current because customer service on XXXX XXXX miscalculated also the payments. At this time, I will continue to pay according to the statement provided by Eagle National Bank in the amount of approximately $ XXXX/month which is a direct debit from my bank account. 

In conclusion, am requesting the "" Late '' "" payments '' to be removed from my credit report, due to inaccurate direct payment instructions that were given to me by an official bank Customer Service Representative for my Eagle National Bank credit card. These item ' s disputed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX have affected my fico score significantly that XXXX loans were n't approved for my residential and investment properties total {$850000.00} for not refinancing. 

Please reinvestigate these matters and contact the national credit reporting companies to which you provided this information to have them delete or correct the disputed item [ s ] as soon as possible. 

If I do n't here to a response by 10 days I would assume the delinquencies are incorrect and I will send a letter to credit agencies Sincerely, Your name XXXX XXXX Enclosures : [ List what you are enclosing. ]",,Consent provided,Web,2016-08-14,Closed with explanation,Yes,Yes,CR2062896,4704
2016-08-13,Bank account or service,Checking account,"Account opening, closing, or management",,"Hi, I just opened an account with Eagle National Bank about one month ago. I had my first direct deposit come in two weeks ago. My second one just posted yesterday XX/XX/2016. I went to use my debit card and it said unauthorized usage. I called in to check and they said my account was in the process of being closed. Without any notice or anything. I had no money to pay bills or provide for my kids because I was looking forward to my money. They told me my money would be on hold until the account is closed. I do not see how can they hold my money and I 'm showing a balance of XXXX.",Servicemember,Consent provided,Web,2016-08-16,Closed with explanation,Yes,No,CR2062310,10662
2016-08-13,Bank account or service,Checking account,Deposits and withdrawals,,I used Eagle National Bank 's mobil app to deposit a check. They advertise how convenient it is to use and how the check credits quickly. This is false advertising. T deposited the check for {$8500.00} XXXX XXXX and was informed by EN that the check will not be deposited until XXXX XXXX. This is theft ... holding on to my funds for one week.,,Consent provided,Web,2016-08-13,Closed with explanation,Yes,No,CR2062216,1847
2016-08-13,Credit card,,Rewards,,"I transferred XXXX WorldPoints from my Eagle National Bank VISA card ending in XXXX to my Fidelity XXXX card ending in XXXX on XXXX XXXX, 2016. This is during the transition from Fidelity XXXX ( managed by FIA card services ) to Fidelity VISA ( managed by XXXX card services ), and I think it might have messed up my points because I still have n't seen these points after myFidelity XXXX ( ending in XXXX ) was transitioned into Fidelity VISA ( ending in XXXX ) on XXXX XXXX, 2016. The advertisement on the website said the points should be immediately available after the transfer, and however many points left on the old Fidelity XXXX card would be automatically available on Fidelity VISA after XXXX XXXX, 2016. 

I contacted both Eagle National Bank and Fidelity for this issue, and they basically blamed each other. Eagle National Bank claimed the points were already transferred over, whereas Fidelity claimed they had no way to see those points.",,Consent provided,Web,2016-08-13,Closed with explanation,Yes,No,CR2062493,878
2016-08-13,Credit card,,Forbearance / Workout plans,,,,Consent not provided,Web,2016-08-13,Closed with monetary relief,Yes,No,CR2061935,17
2016-08-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-08-16,Closed with explanation,Yes,No,CR2062485,4117
2016-08-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,"CFPB Consumer Financial Protection Bureau Dear Officer : Good evening. 
My EN account XXXX had wire form XXXX into my account on XX/XX/2015 XXXX, but EN just noticed me XXXX kept into my account, they ate XXXX dollars. 
XX/XX/2015 charged me wire transfer fee XXXX, and due to I am an investing account so refund me XXXX transfer fee.XXXX. so still ate me my wire in capital XXXX. 
I had several time asked the branch officer XXXX XXXX : he said : ususally like that.??? 
I do n't agreed and online message to ask return my wire capital XXXX, they always no return to me. 
see my copy and attached below : XXXX, on XXXX statment XX/XX/2015 XXXX XXXX, and transfer fee:XXXX XXXX. 
B.EN.statment just book me XXXX only. 
Please help me get back my missing capital XXXX.and correct their bad behavior. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
XXXXXXXXXXXX",,Consent provided,Web,2016-08-12,Closed with explanation,Yes,No,CR2061837,2326
2016-08-12,Bank account or service,Checking account,Deposits and withdrawals,,"I a Eagle National Bank account for payments for unemployment benefits from the State of California. I have not been able to withdraw funds from this account because this bank has waited almost a month since my card expired on XX/XX/2016 to mail a new XXXX. Though the bank says one was mailed out on XX/XX/XXXX, it is still not here. Meanwhile, I have bills and other financial obligations. Though there is money in the account and I can login to the online account, I can not transfer the money, or withdraw it any other way, except to have it wired via XXXX XXXX, requiring me to pay a fee for the transfer. Since this is B of A 's fault, I should n't have to pay them anything.",,Consent provided,Web,2016-08-12,Closed with explanation,Yes,No,CR2061919,2933
2016-08-12,Bank account or service,Checking account,Deposits and withdrawals,,"I lost my job XX/XX/XXXX. I went on craigslist to apply for different jobs. I had an account with Eagle National Bank at the time. This one job sent me an email back stating I can receive money going shopping for other people in need and they will send me a check. Once I receive the check deposit in my account and take a percentage out for myself as they would give me a listing of items to by. I received a check in the mail from Texas and it was XXXX to me. Once I received the check it looked like a real check with a stub not knowing it was going to hurt my bank account. The bank closed my account after five years on count of this, because it was a bad check. Finally I not able to open another account not cash my working check. I hope my complaint reaches someone I was unaware that this situation would happen. Please help I have a son with a XXXX and I need a account to pay bills, work direct deposit and to cash my son SSI checks as well. I need help.",,Consent provided,Web,2016-08-12,Closed with non-monetary relief,Yes,No,CR2060809,389
2016-08-12,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX, XXXX I noticed in my online account that I received a credit for a "" Deposit Discrepancy Adjustment ''. I did not receive any written notification or explanation of this discrepancy adjustment. I called into customer support and was told I would receive a letter. After having not received a letter, I called XX/XX/XXXX and was informed that no letter would be sent, but that the discrepancy related to a deposit I had made in XXXX XXXX that had been improperly credited to my account. Given that the information made available online does not go back that far, I have no way of verifying any of the information I am being told to be accurate. I was told that I would receive a written explanation of the error as well as a full review of my account going back to the account opening with signed representations that there are no further discrepancies. I called back this morning ( over two weeks later ) and was told that all that would be provided at some point in the future at their discretion is a written explanation of the error from XX/XX/XXXX but that no further review would be provided unless I can identify the specific error ( which of course I can not do without any records being made available to me ). 
Furthermore, it is deeply disturbing that it would take nearly three years for such an error to have been identified, much less in a fashion that it is so opaque for the depositor to understand the error.",,Consent provided,Web,2016-08-12,Closed with explanation,Yes,No,CR2061268,1569
2016-08-12,Bank account or service,Checking account,Deposits and withdrawals,,"Re : Fraud Claim XXXX Eagle National Bank ignored fraud activities on my account I discovered some fraud activities on my checking account. I opened a claimed with the fraud department. An analyst named XXXX took the case, She denied the case with no explanation. I had to call multiple times where I requested to speak with the analyst to see why the case was denied, She is was able to Instant Message with the rep I was on the phone with, but would not return my calls, or explained why my case was denied. It 's been five days, and I still do n't have a concrete answer why my case was denied. Someone took my phone and was able to penetrated through my phone to add an account and make a transferred of {$400.00}. The name of the account is XXXX XXXX, I did not make this transaction nor did I authorize this transaction. The rep stated that I authorized someone to make that transferred which is not true, she also stated that I made transaction before and after that were not reported as fraud. But this one transaction was done without my permission or consent. This transferred is fraud, and they would not relooked at my case or correct the transferred.",,Consent provided,Web,2016-08-12,Closed with explanation,Yes,Yes,CR2062018,5247
2016-08-12,Credit card,,Other,,"I opened a bar in XXXX NC which was owned and operated by XXXX XXXX XXXX. The company bank account was with Banks of America as was my personal account. I took out a credit card with the bank for the company which was to cover any unauthorized overdraft facility with the companies bank account. 
The bar failed and the credit card had some {$3000.00} outstanding on it which the company could not pay. 
Eagle National Bank accessed my personal account and deducted {$500.00} from it to set off against the credit card debt of the company. I have repeatedly advised the bank that I did not recall giving or signing any personal guarantee for the company credit card debt and asked the bank to forward to me a copy of the signed guarantee. 
This request has been put in writing on XXXX occasions over the past year yet the bank have to date not provided a copy. I have therefore requested repeatedly the return of my {$500.00} taken from my personal account and the bank have simply ignored me. I also asked them who I needed to contact to get this matter adjudicated and they did not respond. 

as I do not recall signing a personal guarantee for the company credit card and the bank are unable to provide me with a copy of that document I seek to recover my {$500.00}",,Consent provided,Web,2016-08-12,Closed with explanation,Yes,No,CR2061930,11609
2016-08-12,Credit card,,Application processing delay,,"This is a follow-up complaint to several other CFPB complaints on this same issue. Yesterday I spent over an hour on the phone with B of A during my work day. This was at least the third call to them to fix the same problem. I also spent over an hour with them on the phone on Sunday, my weekend. The short problem here is my statement posted on XXXX XXXX, I scheduled a payment to occur XXXX XXXX, it did, but they applied it to the prior month, saying because I made the request on the XXXX that is when they applied it. I am not rehashing any of this ; refer back to the prior complaint. While I filed a CFPB complaint yesterday on this ( and a number of times before ), I also called B OF A and hashed it out and finally got a rep who understood, said she would fix it. She said she saw the prior rep errors and that instead of a month behind I was a month ahead. She said she would submit a trouble ticket and fix it. Today I looked online. STILK SHOWIN LATE!! And today their home office retention called me in response to my CFPB complaint. Amazingly this time she again said I am late, the last representative gave me misinformation, so did the one on Sunday in my hour call who said she would move the payment and fix it, so did the one the prior Wednesday who said he would take off the late payment and reflect the account. It is like XXXX XXXX, each time I call they forget and give me old bad information and keep pressuring me to make additional payments when I am a month ahead. I have spent about 6 hours on this in the last week alone, the reward for making my payment one day after my bill!!!!!!!!! I was so enraged just now, I threw my cell phone against the wall and destroyed it. They are out of control. This is the fourth time in one week they have told me wrong information, told me I could not trust information from other representatives, told me I could not trust information for their website, and took an exceedingly rude attitude towards me always saying I am a late payer when I habitually pay within one or two days of each statement closing. I have never been more offended in my life. I need real compensation here and they need to fix their system.",,Consent provided,Web,2016-08-12,Closed with explanation,Yes,No,CR2061718,4553
2016-08-12,Bank account or service,Checking account,Problems caused by my funds being low,,"I recently received {$100.00}, in unfair overdraft fees from Eagle National Bank due to the fact that when I went to make a deposit at the XXXX XXXX, NY, Eagle National Bank branch, that location 's ATM 's were both not working at all and because of my very painful left knee and right elbow, I just could n't walk or take public transportation to another branch ( please refer to the attached XXXX XXXX, NY, Eagle National Bank ATM related pictures and medical documentation ). Also, to this date the all of the written information relating to the new overdraft related changes implemented by Eagle National Bank, still have n't been delivered to me by email, USPS or any other type of mail delivery service. Eagle National Bank has failed greatly to send me all of the new written information on Eagle National Bank 's overdraft related changes and because of the lack of full knowledge regarding those same overdraft related changes, I continue to received unfair, non-merited, abusive overdraft & monthly account maintainance fees on my checking account. Eagle National Bank has unfairly charged my checking account a grand total of {$480.00} to date, while at the same time they still have n't provided me with anything detailing or explaining 100 %, of all of their unexpected or unannounced overdraft related changes that Eagle National Bank has so unfairly implemented on their XXXX and low income American customers. I do n't care if Eagle National Bank explains to or sends me XXXX % or XXXX % or XXXX % or XXXX and a half %, of the facts/terms and conditions associated with the overdraft related changes because it was and still is my right as an American consumer, first and a Eagle National Bank customer, second, to have all of Eagle National Bank 's new overdraft related changes and associated facts explained to me 100 %, before they took full affect. What I ca n't fully understand or comprehend is that anytime, in the past, whenever I had an overdraft fee related problem or issue with Eagle National Bank, their managers, supervisors or representatives from the President 's Executive Office to customer service, would always and endlessly quickly state the following to me ( this could be heard on every recorded conversation I ever had with anyone at Eagle National Bank, Eagle National Bank always and endlessly records all customer service related phone calls ), "" Those were the overdraft fee terms and conditions you agreed to when you signed your agreement with us, at Eagle National Bank. '' So now what, Eagle National Bank no longer believes in that statement???? How can Eagle National Bank endlessly use that same statement as part of their defense against my past overdraft related disputed fees and now, still charged me a total of {$480.00} in overdraft ( XXXX ) and monthly maintenance ( XXXX ) fees, when I have n't been sent or given 100 %, of all of the new information regarding all of Eagle National Bank 's new overdraft fee related changes????? Eagle National Bank 's own written, scripted and above referenced double standard overdraft fee related statement is totally an unprofessional, unfair, unacceptable and a conniving illegal business practice to criminally ripping off the XXXX and low income people of the United States!!!! In the past, before any new changes were made and implemented by Eagle National Bank, when I had 100 %, knowledge of Eagle National Bank 's old overdraft fees terms and conditions, Eagle National Bank always used their above referenced overdraft fee related statement as a defense tactic whenever I disputed any unfair and conniving bank error related overdraft fees, that were charged to my checking account and now Eagle National Bank is totally ignoring their own written, scripted and above referenced overdraft fee related statement and are now still charging me overdraft fees with them well knowing that I have n't received or been sent 100 %, of all of Eagle National Bank 's new information regarding all new changes with Eagle National Bank 's new overdraft fees terms and conditions. I 'm so glad that XXXX different XXXX XXXX Law Firm have and XXXX XXXX XXXX might, join forces as XXXX to file a class action against Eagle National Bank, for same.",,Consent provided,Web,2016-08-12,Closed with monetary relief,Yes,Yes,CR2061832,972
2016-08-12,Credit card,,Other,,,,Consent not provided,Web,2016-08-12,Closed with explanation,Yes,No,CR2061168,4760
2016-08-12,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-08-12,Closed with monetary relief,Yes,No,CR2060484,2570
2016-08-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-12,Closed with explanation,Yes,Yes,CR2059295,5684
2016-08-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-12,Closed with explanation,Yes,Yes,CR2059947,5223
2016-08-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-12,Closed with explanation,Yes,Yes,CR2059318,3909
2016-08-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-12,Closed with explanation,Yes,Yes,CR2061536,10777
2016-08-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-16,Closed with explanation,Yes,No,CR2060561,3121
2016-08-12,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-12,Closed with explanation,Yes,No,CR2061769,1040
2016-08-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-08-15,Closed with monetary relief,Yes,No,CR2058724,3417
2016-08-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,"Older American, Servicemember",Other,Web,2016-08-16,Closed with explanation,Yes,No,CR2060604,2195
2016-08-11,Bank account or service,Checking account,"Account opening, closing, or management",,"Hello, I have been banking with Eagle National Bank for over 25 years. Today, I tried to log into my account and could not. I contacted Eagle National Bank and I was informed that they closed my account for business reasons and there was no other explanation from them. I have never bounced a check, I have excellent credit, and I have never had banking related issues with Eagle National Bank. I have a lot of auto ACH transactions with EN that have been set up for years and suddenly shutting down my financial life without any notice or explanation has created tons of problem for me. How can this be legal? Why wo n't they give me time to move my relationship, how can they create such a financial burden for me without cause or notice. This is unfair.",,Consent provided,Web,2016-08-23,Closed with explanation,Yes,No,CR2056546,2739
2016-08-11,Bank account or service,Checking account,Using a debit or ATM card,,"I noticed ATM withdrawals being made against my Eagle National Bank account that were not made by me. I contacted Eagle National Bank and canceled my business debit card and explained the situation. They put the $ XXXX+ back into my account, canceled my card and issued a new one. Approximately 1-2 weeks later, Eagle National Bank sent me a letter stating that they were taking the {$1400.00} back out of my account as they found no fraud. I appealed their decision via telephone call as I absolutely did not make the withdrawals. At that particular time, thieves were using gas station pumps to steal debit card numbers and pins. I believe that is what happened to me. Eagle National Bank denied the appeal and refused to give me my money. At this point, I started calling the banks where my ATM card was used fraudulently. One of the banks found the video of the person that withdrew the money and it was clearly not me. I wrote a very detailed letter to Eagle National Bank and included screen shots of the video, offering the actual video to them at their request. I also filed a police report, found several articles regarding the gas station thefts ( one that quoted a Eagle National Bank professional ), submitted their own policy of protecting business debit cards to them and asked for another appeal. I am attaching this notarized letter to this complaint for your information. Eagle National Bank still refused to give me my $ XXXX+ back. As a result, automatic payments went out on the account which gave me a negative bank balance. Add bank penalty fees to that and we have a mess. I hold Eagle National Bank directly responsible for all of this as they failed to keep someone from fraudulently using my card and then absolutely REFUSED to put the stolen money back into my account after I reported the information, provided video proof and filed a police report. Please look into this matter for me. Thank you.",,Consent provided,Web,2016-08-11,Closed with explanation,Yes,Yes,CR2059762,1844
2016-08-11,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX/XXXX/XXXX I received a deposit refund check # XXXX dated XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXX in the amount of {$500.00} dollars. The next day on XXXX XXXX I have deposited this check via mobile app to my Eagle National Bank Account. After a while I noticed that this moneys were never deposited so I contacted Eagle National Bank customer service to search for this deposit. After lengthy phone calls I received a letter from Eagle National Bank instructing me to bring the original check to the Eagle National Bank physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched. 
I re deposited this check on XXXX XXXX XXXX. 
On XXXX XXXX XXXX I received a letter from Eagle National Bank stating that Eagle National Bank debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at XXXX on XXXX/XXXX/XXXX. Please note that I deposited this check on mobile app in to B of A on XXXX/XXXX/XXXX PLEASE I never deposited this check to XXXX! I have NEVER owned an account there I never even heard of this bank. After B of A accused me of trying to deposit the check twice I was left with only few options. I contacted the check issuer XXXX XXXX XXXX but never received a response, then I went to the bank that issued the check XXXX XXXX and then I also went to the XXXX to see what happened to my check. Both banks stated that they cant research this check because I am not their customer. I asked XXXX to searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name. 
The bottom line is that I deposited this check on my mobile app to my personal account in Eagle National Bank the money never showed up and the check or the deposit cant be researched. 
I suspect a fraud or software issue because I only deposited this check to Eagle National Bank and they are claiming that I mobile deposited it in XXXX!",,Consent provided,Web,2016-08-11,Closed with explanation,Yes,No,CR2057638,2835
2016-08-11,Credit card,,Billing disputes,,"Beginning of XXXX 2016, i receive a credit from a company called XXXX in the amount of XXXX and my bank that i bank with, which is Eagle National Bank did not credit my refund from the merchant into my new Eagle National Bank credit card, I tried to explain to Eagle National Bank. But there was little that I could do about this. I filed a clain. And once i filed a claim Eagle National Bank supposed to credit the money to my credit card, then complete the investigation or untill the investigation is over, because not only Eagle National Bank misinforming me, they are also not wanting to give me my money. It has been one week and 5 days since the merchant credit my account.",,Consent provided,Web,2016-08-11,Closed with monetary relief,Yes,No,CR2058644,425
2016-08-11,Credit card,,Application processing delay,,"This is a follow-on to several existing CFPB complaints against Eagle National Bank. Further to the existing file, they incorrectly applied a payment in XXXX to the prior month when it was intended to pay the current month. they therefore said the account was late. they applied a late fee on XXXX XXXX. I called on XXXX XXXX and explained the situation. They removed the late fee. They neglected to note the file that the payment I had made was for the immediate prior month statemnt, so when the next one closed, they carried forward an erroenous past due amount, even though three days earlier we talked on the phone and they "" fixed it. '' I then had to call in again for over a hour on a Sunday and, after having the rep misinterpret my file thining I was a chronically late payer, when in fact I pay as early as possible, she said she moved the payment, it was fixed and the wwebsite would be correcteds to no longer show past due. all I would hve to pay is the newest mnobnth. The webstie did not correct and I filed a CFPB complaint earlier this week. They still have not fixed it. so I paid {$100.00} for the current month even though the website still showed wrong info. This mornign, the website is still showing a missed payment and a late fee as due. I am on the phone with B of A and the rep is telling me to disregard the late payment notificatios the website is displaying. No, the website needs to be correct and if I don ' ; t get them to fix it, you don ; t get them to fix it, or I make a /THIRD payment this monthkl they will still rerroneously relfect me as late. sorry for a all the typose, I am in a XXXX rage at this point. -- Five minutes in, and the rep on the line is acknowledging, for the umpteenth time, that this "" should have been corrected, you are absolutely right, we will get this tken care of straight away ''... but they never do, and then when it happens again, I wil have to spend hours trying to get it corrected.",,Consent provided,Web,2016-08-11,Closed with explanation,Yes,No,CR2059130,4225
2016-08-11,Bank account or service,Checking account,Deposits and withdrawals,,"XXXX/XXXX/16 I got email from my bank about person to person transfer {$2000.00} was originated to a person by name XXXX XXXX, the transfer was scheduled to go out the next day. I immediately called Eagle National Bank tech support line and told them it is fraud, I do not know the person and never originated the wire. EN told me they stopped the wire, they blocked online banking login and gave me 100 % assurance my money are safe, transfer stopped. But the next day money went out and were in pending status, I called again, EN again said they give me 100 % guarantee my money are safe and will be back on my account in 2-3 days. on XXXX/XXXX/16 my money left my account for good. I called EN again, they put all the blame on me, finally transferred me to fraud department. I also filed a police report locally. Eagle National Bank did not do anything to stop fraud money transfer originated from my account, they let the transfer to go thru, now they refusing to give me my money back, telling me I must wait 2 wks for their investigation, and even after that, they say no money back guarantee. It can not be that someone hacked into my online banking like the bank says because that someone was acting and changing the transfer data after EN completely blocked my account from online access. It is totally EN fault",,Consent provided,Web,2016-08-11,Closed with explanation,Yes,No,CR2058557,4743
2016-08-11,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-08-11,Closed with explanation,Yes,Yes,CR2059662,232
2016-08-11,Credit card,,Payoff process,,,,Consent not provided,Web,2016-08-11,Closed with explanation,Yes,No,CR2060129,2940
2016-08-11,Bank account or service,Checking account,Deposits and withdrawals,,,,Other,Web,2016-08-15,Closed,Yes,No,CR2060080,1155
2016-08-10,Bank account or service,Checking account,Deposits and withdrawals,,"I have had a series of fraudulent charges made from my checking account from the period of XXXX XXXX XXXX for an amount of XXXX . The bank initially has denied my claim as they say the money was all taken out with my personal ATM card, as well as based on the signature used when withdrawing at some specific point. However, I did not lose my ATM card and so I find it hard to believe that this reason for denying my claim would be reasonable. Furthermore, I have not gone directly to the bank to take out money, at which point necessarily needing to give my signature, in many years. For these reasons I 'm filing this claim against Eagle National Bank.",,Consent provided,Web,2016-08-10,Closed with explanation,Yes,No,CR2056334,762
2016-08-10,Bank account or service,Other bank product/service,Deposits and withdrawals,,"On Tuesday, XXXX XXXX I used Eagle National Bank 's mobile app to make XXXX payment to my Eagle National Bank credit card from my checking account of the same bank. Today, XXXX XXXX, I checked my account and was surprised to see that not only had my payment cleared completely, but XXXX duplicate payments of the same amount were then pending. I called my bank 's card services and they advised me that I would have to wait until the transactions had cleared before calling them back to fix it. So, in essence, they 're saying that they can drain my bank account without my knowledge and then only if I catch it and the damage is already done can they do anything to fix it. This sounds very dangerous for consumers, and I can only hope that they actually fix it once the unauthorized transactions have done their damage.",,Consent provided,Web,2016-08-10,Closed with explanation,Yes,No,CR2057428,3300
2016-08-10,Credit card,,Balance transfer,,Eagle National Bank charged me twice for a balance transfer. The first charge was correct ; the second charge was in error.,,Consent provided,Web,2016-08-10,Closed with monetary relief,Yes,No,CR2056104,4131
2016-08-10,Credit card,,Late fee,,"Eagle National Bank habitually misapplies payments intended for a current statement to the prior month 's statement when those payments are made within a couple days of a statement closing date, charges late fees, requires customers to make a second monthly payment, and requires repeated call backs, CFPB complaints and related efforts to get the problem fixed. For example, if I get a statement on the XXXX, log in on the XXXX and schedule a payment to occur on the XXXX, they apply it to the PRIOR month statement instead of the statement that just closed on the XXXX, and then they say late. This has happened on an estimated ten occasions in approximately the last two years. They tell me that if I initiate a payment on the date my account closes, even if I am setting it to pay in the future, it will be credited the day I institute it. And the troubling thing is, they will then apply it to the PRIOR month, not the month whose statement just closed ( i.e., they will not apply it to the now due bill, but will apply it to the account balance, leaving the now-due bill unpaid, then at the end of the payment period, saying it was not paid, the payment was missed, and applying a late charge ). So they then say I am late on the current month, even though I paid the bill a day AFTER it posted. So that is problem one, they continually fail to correctly apply payments and instead say payments are missed/late when they were paid within 24 hours of bill issuance. Problem 2, they have to be called repeatedly to fix it. I have filed more than one CFPB complaint on these very same issues, and they continue to get it wrong. This all happened again with my statement that closed on the XXXX of XXXX. I scheduled a payment on XXXX XXXX to hit XXXX XXXX for the XXXX XXXX bill. The payment, scheduled on the XXXX to occur on the XXXX, hit my bank account on the XXXX. And I had long since paid XXXX so did not have a payment otherwise due. The payment posted on XXXX XXXX, the day after the statement closed on XXXX XXXX. The payment shows on the website as having been made on the XXXX. The payment shows having cleared my checking account on the XXXX. But they say, notwithstanding all that, it really applied on the XXXX, the same day as the statement closing. And instead of applying it to the XXXX XXXX closing statement, they applied it as a general account payment, or a payment towards the prior month 's bill -- when again, I did not even have a payment still due from the prior month. So I call in and the first rep takes off the late charge, admits their error, but fails to move the payment over. Several days go by and the late charge is off but it is still showing two months plus a late charge due. This is Sunday XXXX XXXX. I spend over an hour on the phone with them, including being disconnected after first 15 minutes, and they say they have moved the payment over, no past due, and I need only pay one month. We are now more than two business days later and it is still showing a past due amount of two months plus a late fee. I am now filing a CFPB complaint at nearly XXXX, and will not pay it until they straighten it out. When I call they give me grief about why do I choose to pay my credit card so quick, why do n't I wait til the last day it is due, they need time for their accounting to catch up every month, etc. In any event a recurring problem that variably sees me just XXXX up my frustration and make two payments to avoid another several hours of frustration working with them to fix it, or I have to waste a bunch of time, including nights and weekends, like now. Finally, they repeatedly tell me not to trust information I see on the site. When a bill-due icon is showing, despite having made a payment, they say disregard it, that is not right, ca n't trust what you see. Same as the payment showing have been made on the XXXX on their site, ca n't trust that.",,Consent provided,Web,2016-08-10,Closed with explanation,Yes,No,CR2057153,1650
2016-08-10,Credit card,,Transaction issue,,"I set up autopay with Eagle National Bank a few months ago. When I go to their website I see the terms that i set up : Pay in full on the due date. For the XX/XX/XXXX cycle I paid directly through my bank because there was no notation on the bill that the autopayment was established. As of today I should have current charges not yet billed totally XXXX. This bill has not been rendered and there is no balance on the bill. The bill will be rendered on or about XXXX XXXX, and the due day would be XXXX XXXX or thereabouts. HOWEVER, the bank decided to debit a minimum payment of XXXX even though there is nothing due.",Older American,Consent provided,Web,2016-08-10,Closed with monetary relief,Yes,Yes,CR2057832,2788
2016-08-10,Credit card,,Transaction issue,,"on XXXX XXXX, I called the pay by phone line for my Eagle National Bank AAA credit card to make a payment. I made a payment of the last statement balance of XXXX. 

this amount was debited from my checking account twice, on the same day, Monday XXXX XXXX, XXXX when XXXX XXXX notified me on XXXX XXXX, I called Eagle National Bank and requested a refund. I was told it would take XXXX five business days. 

on XXXX XXXX, the money was still not in, so I took a loan to cover my mortgage and stop the {$35.00} fees charged daily. of course I followed up with a call to Eagle National Bank. 

I called again to Eagle National Bank on XXXX XXXX and XXXX. I called again on the XXXX, and they said it would take seven days, but should be in by the XXXX. 

I called on the XXXX, and they said it had just been approved, because someone from Eagle National Bank has submitted for a refund twice. because they made a mistake, it would take another 7 business days before I could get a refund. 

has anyone ever taken money out of your account? should n't they have returned it sooner? I ca n't pay bills, gas, food, until I get my {$2000.00} back!!!!! 
can someone please help me.",,Consent provided,Web,2016-08-10,Closed with monetary relief,Yes,No,CR2057466,1160
2016-08-10,Credit card,,Other fee,,,,Consent not provided,Web,2016-08-10,Closed with monetary relief,Yes,No,CR2052666,1839
2016-08-10,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,Consent not provided,Web,2016-08-12,Closed with monetary relief,Yes,No,CR2057495,4302
2016-08-10,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-10,Closed with explanation,Yes,Yes,CR2054920,4741
2016-08-10,Bank account or service,Savings account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-08-10,Closed with explanation,Yes,No,CR2057762,3077
2016-08-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-10,Closed with explanation,Yes,No,CR2054376,4224
2016-08-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-08-10,Closed with explanation,Yes,No,CR2056526,3915
2016-08-10,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-08-10,Closed with monetary relief,Yes,No,CR2053174,4317
2016-08-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-11,Closed with non-monetary relief,Yes,No,CR2052704,3283
2016-08-09,Bank account or service,Checking account,"Account opening, closing, or management",,"In XXXX 2016, I applied online for a Core checking account. I chose the Debit card funding option and had {$45.00} withdrawn from my Fidelity bank account to fund the Eagle National Bank checking account. I received confirmation of submission of my application. Shortly after, I receive notification my account was approved. 
Shortly after, I received XXXX seperate mailings : XXXX included information regarding my temporary password for my online account and the other contained bank disclosures. On XXXX XXXX, I could not access my debit card or online banking information. I called customer service and they informed me that my account was closed -- they could not provide any reason and said I would need to contact their Risk Department at XXXX. 
Once the representative verified my information, she began reading to me what sounded like a prepared script in a condescending tone. She went on to state that when opening the account online, I agreed to a disclosure that stated Eagle National Bank reserves the right to close my account for any reason and at any time. She goes on to tell me that the account is closed and that I will never be able to open an account at Eagle National Bank. After realizing that I was getting nowhere with that customer service representative, I ask to speak to a supervisor. I asked them what was the reason behind my account closure. The supervisor then curtly repeats that Eagle National Bank reserves the right to close my account for any reason and at any time. I ask again, "" But why was it closed? "". She repeats the same statement for the third time and then states, "" That is the reason why. '' She said they will be sending me a cashier 's check for {$40.00}. I respond saying that it is hard for me to comprehend how Eagle National Bank can close my account, without giving any valid reason. She tells me for the fourth time that Eagle National Bank reserves the right to close my account at any time for any reason and then abruptly disconnects me. 
Immediately after this phone call, I walk into my local Eagle National Bank branch. I am eventually directed to a personal banker. I explain the situation. After telling my story, she comments, "" That 's why you do n't open up accounts online. '' She lets me know that the online departments are seperate from the retail branches, but says she will try to find any additional information. She asks for my social security number and tries to look up my account history. She can not find any information. She lets me know all she can see is that the account is closed. She tells me there 's no use in her calling the Risk Department as they will only tell her the same thing they told me. She gives me a card to Customer Solutions. She tells me to call the number as it is my best bet at getting this issue resolved. 
I call Customer Solutions at XXXX. I explain my story. They put me on hold as they contact the Risk Department. They come back on the line and give me the exact statement the Risk Department told me. I let the representative that it is completely absurd that they can not even give me a valid reason, let alone charge me {$60.00}. She says Eagle National Bank will not refund the fee. I ask her if I have ANY other options to get this issue resolved. She responds, "" No. '' At this point, I want to start recording names and record the shady nature of these business transactions. I ask her for her name and extension or any other information in which I can identify her. The line goes silent for a minute and then disconnects. This has been absolutely my worst experience in dealing with a bank. It bewilders me to see how Eagle National Bank treats its new customers.",,Consent provided,Web,2016-08-09,Closed with explanation,Yes,Yes,CR2053770,3116
2016-08-09,Credit card,,Credit card protection / Debt protection,,"A merchant, XXXX, scammed me into seeking their services. Later, the merchant stated they would be ending there services yet still charged my card at a later point. The merchant was suppose to handle XXXX separate cases fully, they did not and did not fulfill the contract. I had to hire XXXX other firms to perform the service. In addition, after speaking to multiple ( similar merchant, third parties ) they all reported that the credit card company should protect me from the original merchants charges. As of today, Eagle National Bank has given me the run around instead of fulfilling their promise to protect consumers and has failed to comply with the Fair Credit Billing Act. I have had an attorney write to the credit card company explaining that the charges from the original merchant should be returned, however Eagle National Bank has refused to assist the consumer..",,Consent provided,Web,2016-08-09,Closed with explanation,Yes,No,CR2054502,12859
2016-08-09,Credit card,,Credit card protection / Debt protection,,"Eagle National Bank credit card account, back in XXXX, I had agreed with Eagle National Bank to be on a payment arrangement plan for 6 months, representative said {$210.00} per month for 6 months and that will put me in a good standing, all negative report will be updated and corrected, so I made payments in good faith for 5 months, and noticed that my credit report were still showing negative report XXXX days, then the 6th month they called stating representative made a error should have been XXXX per month, they apologize for that error, and now I 'm in the rear of XXXX, however if i make XXXX payment today that would stop them from charging off ... 
this is not my error, as i agreed on their payment arrangements and did make timely payments as agreed ... 
XXXX/XXXX/2016, they contacted my mother, who is not on my account, nor joint owner and disclosed all my information to her and tried to collect the debt, this is privacy act and my account should not been disclosed to any unauthorized person, under privacy laws, Eagle National Bank violated my privacy. I want them to delete this account and file civil actions against them for discussing my personal privacy",,Consent provided,Web,2016-08-09,Closed with explanation,Yes,No,CR2052822,1369
2016-08-09,Credit card,,Transaction issue,,"On XXXX XXXX of this year I had gone online to buy a plane ticket. In order for me to get the maximum discount of {$100.00} dollars the company, Spirit Airlines, said that I would have to apply for a credit card through Eagle National Bank. I went through the procedure, but lo and behold, after I had gotten the ticket, the discount was n't applied. I contacted the airlines and told them that they did n't add the additional discount and they told me that that was too bad, and then I told them if that 's the case then I am canceling my flight order. They told me that was n't possible, and I said if you do n't honor an agreement, then the agreement is null and void. They told me that the flight was non refundable and so then I contacted Eagle National Bank the same day, and told them that I was canceling the credit card and it 's order. The said it would be under review and I did n't hear anything about it until XXXX XXXX of this same year. Eagle National Bank told me that Spirit Airlines had filed for compensation and that they, Eagle National Bank, felt obligated to honor their request.",Older American,Consent provided,Web,2016-08-09,Closed with explanation,Yes,Yes,CR2054164,2222
2016-08-09,Credit card,,Payoff process,,"I got a credit card from Target to avail of the retailer 's discount for 5 % off. I then went online to set up my account and set up automatic payments using their website, specifically because I was going to be travelling out of the country with limited access to emails. Unfortunately, I did not take any screenshots of this ( which I should have ). I was out on a long international vacation and when I came back and checked my mail, I saw that the account was overdue and I had to pay late fees and interest charges. I work in technology, so I 'm pretty confident that that I set up the automatic payment according to instructions on the website. I strongly suspect that Target is doing something devious so that they can charge late/interest fees.",,Consent provided,Web,2016-08-09,Closed with monetary relief,Yes,No,CR2052235,1130
2016-08-09,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-08-10,Closed with explanation,Yes,No,CR2053813,4863
2016-08-09,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-08-09,Closed with explanation,Yes,No,CR2053075,4060
2016-08-09,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-08-09,Closed with explanation,Yes,No,CR2054681,4180
2016-08-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,I am making a formal complaint against employees at the Eagle National Bank Branch in XXXX XXXX XXXX XXXX. This was a bank I used to frequent but due do recent events I stopped going unless I had to.There have been at least 4 or 5 occasions where I came in to get help with an issue and was unsuccessful.Instead of getting help I got a laundry list of excuses of why they could n't or would n't I should say.Not to mention the attitudes of the employees there ( Especially the branch manager ) stink.There have been times where I 've seen some of the employees casually standing around or chit chatting among themselves while they have a long line of customers only leaving XXXX or XXXX tellers to deal with the frenzy.For the record I am not the only one who has gotten irritated by this as I can hear other customers at the branch complaining about the exact same things. Keeping in mind they ENst about having excellent customer service but clearly have no interest in servicing the customer. It should also be noted I never have gone through as much of a hassel with any of the other EN branches.,,Consent provided,Web,2016-08-08,Closed with explanation,Yes,No,CR2051699,2105
2016-08-08,Bank account or service,Checking account,Problems caused by my funds being low,,"I HAVE Eagle National Bank, AND I JUST RECENTLY WENT BACK TO THEM, I HAVE THEM FOR CHECKING AND SAVING ACCOUNTS, I GET A MONTHLY DIRECT DEP AND A EVERY 2 WEEK DIRECT DEP. THERE ARE SOME BILLS THAT I WILL PAY FOR VIA BILL PAY, I WILL COUNT THE AMOUNT OF MONEY THAT IS IN THE ACCOUNT IN REF TO HOW I WILL PAY MY BILLS. I HAVE BILL PAY FOR A REASON, REALLY EASY AND CONVIENT. I USED MY BILL PAY THIS MONTH AND PAID CERTAIN BILLS THROUGH MY ACCOUNT, I KNOW THE AMOUNT OF MONEY THAT IS IN THE ACCOUNT FOR ME TO PAY MY BILLS, I ALSO HAVE OTHER ACCOUNTS AS WELL. I SEE THAT Eagle National Bank WILL PAY FOR THE NON EMERG BILLS XXXX AND THEN MAKE THE LARGE BILLS COME OUT, BUT BY THE TIME I HAVE CERTAIN AMOUNT OF CASH IN THE ACCOUNT, I HAVE A OVERDRAFT. NOT ONLY DO I GET THE OVERDRAFT, I NOW GET THE BILL REPAID THROUGH THE BANK, EVEN KNOWING HAT I AM IN THE NEGATIVE THE BANK CHOOSES TO MAKE THAT PAYMENT AGAIN, WHICH I THINK ITS TOTALLY WRONG AND I BELIEVE SHOULD OR IS ILLEGAL, THAT IS THE WAY THAT THE BANK COULD MAKE MORE MONEY ON PEOPLE THAT HAVE ACCOUNTS WITH THEM, YOU SEEM AS OF MY START POINT I USED TO HAVE AN ACCOUNT WITH Eagle National Bank FROM XXXX XXXX AND FOR SOME ODD REASON I WAS GETTING A NEW CHARGE ON MY ACCOUNT, A MAINTANCE FEE. NOW I HAVE HAD THE SAME AMOUNT OF MONEY EACH MONTH AND EVERY 2 WEEKS. SO I AM NOT SURE IF I AM THE ONLY ONE THAT GOES THROUGH THIS, BUT I THINK Eagle National Bank IS TOO BIG FOR ITS BRICHES AND NEEDS TO REFUND ALL THE MONEY TO THE PEOPLE THAT HAVE ACCOUNTS.",,Consent provided,Web,2016-08-08,Closed with explanation,Yes,No,CR2052327,4729
2016-08-08,Bank account or service,Checking account,"Account opening, closing, or management",,"I have had to contact Eagle National Bank probably 10+ times now and no one there seems to be able to fix my problem. I should have been awarded a {$100.00} checking account bonus over 2 months ago and I have already been told I have met all the requirements. 
The next months monthly fee is going to take place on XX/XX/XXXX and I will not pay this so please give me the {$100.00} so I can close my account. Such a frustrating experience.",,Consent provided,Web,2016-08-08,Closed with explanation,Yes,Yes,CR2050473,1562
2016-08-08,Bank account or service,Checking account,"Account opening, closing, or management",,"My husband and I have been advantage customers with Eagle National Bank NA since XX/XX/XXXX. One of the advantage checking accounts was suddenly closed down on XXXX XXXX, XXXX. I called Eagle National Bank customer service and was transferred to XXXX other departments : Risk ID Support Center, Checking account Fraud Dept, Credit/debit Fraud department all which gave me no answer as to why the temporary freeze of the account. I spoke to different levels of authority and got only as far as to have a reference assigned # XXXX and that someone named XXXX XXXX in the Corporate Security Dept was to handle it. No one that I spoke to knew an extension number or was able to get a hold of that person or offer me any explanation as to why the sudden freeze of the account. This account is tied down to 12 automatic payments and a direct deposit. This sudden freeze is causing mayor financial hardship and worse of all no answer to all the contacts I to reach out to. The financial institution should be held liable for any hardship this has caused us. They are trusted with the handling of any money we deposit and make payment to accounts both personal and business accounts. To suddenly STOP that flow is outrageously disturbing and causing mayor financial and emotional distress. No financial institution shall have the sole authority to intervene in a personal checking account without cause and without a prior warning.",,Consent provided,Web,2016-08-08,Closed with explanation,Yes,No,CR2051086,1569
2016-08-08,Credit card,,Closing/Cancelling account,,"Eagle National Bank is approving authorizations on my card even though I closed the account. They claim that as long as a merchant continues submitting recurring charges, they 'd approve it. I do n't know how this qualifies as "" closing '' an account.",,Consent provided,Web,2016-08-08,Closed with monetary relief,Yes,No,CR2051640,1489
2016-08-08,Credit card,,Balance transfer,,"I had several 0 % balance transfers on my Eagle National Bank Card. Up until XX/XX/XXXX, your credit card statement would reflect the balance of the transfer and show the date when the 0 % rate was scheduled to expire. Starting with the XXXX XXXX statement, it would still show the date of expiration, but all of the balances for the transfers were shown as {$0.00}. I contacted Eagle National Bank several times, and was told that there was a "" system '' glitch and the problem would be rectified. The problem was never corrected, but I continued to make my payments in order to pay off the balance. XX/XX/XXXX, one of my grace period rates expired and I was charged interest. Due to the fact that I had XXXX balance transfers on the account, I was unable to differentiate the amount between the XXXX. On my XX/XX/XXXX statement, the amount that I was being charged interest on magically appeared on the statement, as well as the remaining balance that I still had the 0 % grace period on. I contacted the company, and was told that the reason they discontinued showing your balance was not from a computer glitch, but was a policy change that the company chose to implement. I explained to the representative that balance was only reappearing now that I was being charged interest ( 14.99 % ) on it, and he said that this was due to the fact that it was no longer a 0 % balance. He stated that they no longer show promotional balances, which was not true because the other 0 % balance also showed on my card. I asked him to waive the interest accrued, which he refused to do. I asked for a supervisor, who again explained that they had changed their policy as a company in which your balance remaining on any transfers was shown on your statement. He acknowledged that customer service reps had been giving customers misinformation by telling them that it was a system glitch when it was not. He also stated that the reason that they choose to show your balances as {$0.00} is because the dollar amount was not always accurate and customers were getting confused. I found this ironic because he tried to act like they were doing this for the "" benefit '' of the customer, yet they have no problem showing your balances when they are charging you interest on it. I stated that if I knew the amount that was on the promotional rate, I would have paid it off prior to incurring any interest, just as I always have. I told him I felt like this was a deceptive business practice and asked him to waive the accrued interest, which he also refused to do. I requested the amount of the balance that I was being charged interest on, and paid it off that day. I have had the card for almost 15 years and have never paid interest on it until this new policy was implemented. I also have credit cards with numerous other companies, and have never seen a promotional balance show up as {$0.00}. I feel like Eagle National Bank deliberately implemented this policy change make extra money off of customers like me that the diligently pay their balances down before any interest is accrued so that they can make money in situations that they had n't in the past.",,Consent provided,Web,2016-08-08,Closed with monetary relief,Yes,No,CR2051847,3404
2016-08-08,Credit card,,Transaction issue,,XXXX / Eagle National Bank Issued a check to my loan with XXXX without my authority and will not recover it from the loan. Many many calls and hours on the phone with no results,,Consent provided,Web,2016-08-08,Closed with monetary relief,Yes,No,CR2052598,3327
2016-08-08,Credit card,,Delinquent account,,"I am reaching out in reference to an earlier complaint that I filed - XXXX. 
Target indicated that they would go back and correct any negative information on the credit report- and that has n't happened as of yet. I called Target and they stated the information was sent the credit bureaus and I should see an update within the next few days. I waited another week and it still has n't happened and it 's now XXXX XXXX. Again, working in the lending industry, this should have been corrected by now if they had processed it.",,Consent provided,Web,2016-08-08,Closed with non-monetary relief,Yes,No,CR2050538,4777
2016-08-08,Credit card,,Delinquent account,,"I was 2 days TWO DAYS late paying a charge of aprox {$150.00} on my Target Red Card. 

The Target company sent me a NEW card with NEW numbers and the payment I sent ( on time ) was returned and did not get credited to the new card number. When I saw this I called Target, got new number and sent payment via my bank account to pay the balance due. Target told me they would happily waive the aprox {$35.00} late fee at that time. To this date they have NOT waived the fee. They are adding a late fee each month and now threatening me with Debt collection for late fees one a XXXX balance account. Target originally was supposed to waive the first late fee when the new card number payment mix up happened. 

I have spoken to Target MANY times about this and I am done trying to deal with them. They are now having people call me and harass me through collection agencies. I 'm pretty sure it 's illegal ( or it should be ) to keep adding late fees on XXXX balances and trying to collect them. 

If it was my fault that the payment was late I would have paid it- Please contact them and clear this up for me. They owe ME money for time and stress and harassment. You are welcome to check my credit information for ALL my accounts that you will see are paid on time. Thank you. XXXX XXXX",,Consent provided,Web,2016-08-08,Closed with monetary relief,Yes,No,CR2050704,3340
2016-08-08,Credit card,,Cash advance fee,,,Older American,Consent not provided,Web,2016-08-08,Closed with monetary relief,Yes,No,CR2050177,4222
2016-08-08,Credit card,,Other,,,,Consent not provided,Web,2016-08-08,Closed with explanation,Yes,No,CR2051215,9717
2016-08-08,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,Consent not provided,Web,2016-08-08,Closed with explanation,Yes,No,CR2052583,2777
2016-08-08,Credit card,,Late fee,,,,Consent not provided,Web,2016-08-08,Closed with explanation,Yes,No,CR2051509,2003
2016-08-08,Credit card,,Payoff process,,,,Consent not provided,Web,2016-08-08,Closed with explanation,Yes,No,CR2051389,2282
2016-08-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-08-08,Closed with explanation,Yes,Yes,CR2050924,1414
2016-08-08,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-08-08,Closed with non-monetary relief,Yes,No,CR2050119,1187
2016-08-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-08,Closed with explanation,Yes,No,CR2051031,1581
2016-08-07,Bank account or service,Checking account,Deposits and withdrawals,,I have been with Eagle National Bank for 27 years. Now the bank and the unfair fees continue to take my money and put my balances in the red. They take my money and I have to replace the money in order to pay my bills or else I will be charged an overdraft fee of {$35.00} after the bank took my money. I am charged overdraft protection fees of {$81.00} on XX/XX/XXXX and again {$81.00} from another account. Teller witdrawal fee of {$10.00} on XX/XX/XXXX and non teller fees of {$10.00} and then a maintenance feeof {$12.00} and another non teller fee of {$5.00} the bank is taking my money and putting me in the red so I have to replace the money they put into their pockets. There 's no reason or consistancy. I am on a fixed income I do n't have the extra money to replace.,Older American,Consent provided,Web,2016-08-07,Closed with monetary relief,Yes,No,CR2050096,1394
2016-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,"Please be aware for the fraudulent and deceptive advertising business practices of the Eagle National Bank. I did find the promo over the internet for {$400.00} bonus for open up new checking account at Eagle National Bank and after account was opened, the bank representatives failed to grant {$400.00} bonus for which I was entitled. Many made promises was made at the local branch but the manager but just give up.",,Consent provided,Web,2016-08-07,Closed with explanation,Yes,No,CR2049541,4821
2016-08-07,Bank account or service,Checking account,Problems caused by my funds being low,,"This is a formal complaint and request for investigation into the retaliation and unfair business practices of both Eagle National Bank and XXXX. 

I filed complaints against both of these banks for egregiously excessive bank fees and charges related to unfair credit card charge backs on my business account experienced from unscrupulous ex law firm clients and wherein our previous merchant service "" XXXX XXXX '' "" shot first and asked questions later '' and withdrew large amounts of money from our account and then maintained their illegal and unethical policy of "" holding my funds '' for 90 days or more, even if we provided XXXX XXXX proof of credit card authorization and permission and signatures from those clients. 

Those clients may not have liked the work, or liked our final billing invoices, but they certainly authorized such payments. 

After these unlawful charge backs our bank accounts were negative for 90 days, and every single XXXX placed in these accounts were sucked into XXXX theft. 

Meanwhile all automatic ACH Payments and checks already submitted were denied and humongous fees as high as {$170.00} were assessed by these banks for each failed ACH transaction. 

To make matters worse even though I called in to put stop payments on checks and even to remove automatic ACH transactions for insurance, advertising etc, these banks refused to heed or listen to me and continued to assess these huge fees again and again, thus driving these accounts further into the negative. 

After I filed complaints with the XXXX and Consumer Financial Protection Bureau and other agencies, these XXXX banks responses were to close my accounts in a retaliatory fashion, "" write off '' this manufactured and false "" debt owed, '' and then forever BLACKLIST me and my law firm business ( using my social security or business tax ID number ) from ever opening up a bank account with them in the future. 

2 weeks ago I was denied a ban account opening at Eagle National Bank in XXXX NJ because of this unfair "" blacklisting. '' It seems that because I merely exercised my right as a taxpaying American who was victimized by these banks 's and merchant account behavior, coupled with the unfair and illegal methodology exhibited by XXXX XXXX XXXX XXXX ( another previous recipient of my complaints to the CFPB and XXXX, as well as a lawsuit which I won ), that I have been illegally and unlawfully BLACKLISTED and prevented from opening a bank account with these XXXX banks, as well as other banks, because they apparently share this false information against me, thus causing other banks to also deny me an account or give me trouble and difficulty if I do in fact manage to secure another bank account with a different bank. 

Please aggressively investigate, and advise. 

Kind regards, XXXX",,Consent provided,Web,2016-08-11,Closed with explanation,Yes,No,CR2049943,4490
2016-08-07,Credit card,,Billing disputes,,"For upwards of the tenth time in the last two years, I have made a monthly payment on my Eagle National Bank credit card after the bill issued, and they failed to credit it for that bill, instead imposing a late fee, reporting me late, and requiring a double payment. This has been complained of to CFPB multiple times before, and yet it keeps happening. Here again I sit after having spent a half hour earlier this week during the work week trying to get it straightened out, then when that representative said he had it straightened out and credited back the erroneous late charge, on the immediate next bill it said I was late and required double payment. Very simply, bill issued XXXX XXXX, due XXXX XXXX, I paid it XXXX XXXX, and yet they do not credit the payment. This has happened seriously upwards of eight times, perhaps more., I have complained repeatedly to CFPB, spent HOURS on the phone with B of A, been told varying stories by B of A, but they just keep getting it wrong. This is now a chronic consumer finance problem with them bordering on intentional.",,Consent provided,Web,2016-08-07,Closed with explanation,Yes,No,CR2050111,175
2016-08-07,Credit card,,Identity theft / Fraud / Embezzlement,,they charged me for something that I did n't do,,Consent provided,Web,2016-08-08,Closed with explanation,Yes,No,CR2050172,397
2016-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,Other,Web,2016-08-08,Closed with explanation,Yes,Yes,CR2049951,1186
2016-08-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-08-08,Closed with explanation,Yes,No,CR2050112,3536
2016-08-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-07,Closed with explanation,Yes,No,CR2049935,371
2016-08-06,Bank account or service,Checking account,Deposits and withdrawals,,"EN branch located at XXXX XXXX XXXX XXXX, XXXX, CA refused to cash a check written on my EN account and in my presence and payable to a business when the business owner presented XXXX forms of ID including a business debit card with his name on it and his driver 's license. Instead, EN choose to charge me {$10.00} to issue a cashier 's check. In addition, there was only XXXX teller during rush hour and the waiting time was over 1 hour and the Mgr. XXXX XXXX was rude and did n't care about the customers!",,Consent provided,Web,2016-08-06,Closed with monetary relief,Yes,No,CR2049817,1365
2016-08-06,Bank account or service,Checking account,Deposits and withdrawals,,"I want to file a complaint against Eagle National Bank. I was a victim of fraud and the bank helped the thieves. An acquaintance of mine posted on XXXX a link about a secret shopper job. So I applied and was hired. 
They sent me by mail the first assignment and a check with the funds to do it. I had doubts about such an easy job, but I thought that if the check was valid it would be safe. So on XXXX/XXXX/16 I deposited a check for {$1800.00} into my bank account, and waited for the money to be available. After the bank showed the money in my account I asumed the check was clear, and it was safe to use the money for the job, so I withdrawaled it and used the money. 
On XXXX/XXXX/16 I deposited a XXXX check from the same job, and when I did so the balance of my account was off. 
After checking all the transactions from my account I noticed that on XXXX/XXXX/16 there was a transaction of return item for the {$1800.00}, the bank took back the money without any notice. I called them and found out that the check was n't valid. I asked them why did they acredited the money if it was n't valid and they said that they trusted me with handing them a valid check. 
This is not a matter of trusting their clients, it is their job and responsability to clear the checks before putting the money into people 's accounts making them believe that their checks are valid, and they could use the money. 
I withdrawaled {$1600.00} to do the assignment, because I believed that if the money was already in my account that meaned it was real and I had a job to perform as secret shopper. 
Eagle National Bank failed in doing their job, which is protecting their customer 's money, and now after they realized that the check that I deposited was n't valid they just removed the money from my account, and told me it is my responsability to verify the checks. I thought I did that by depositing the check and waiting for them to validate it. 
Eagle National Bank is helping the thieves steal their clients money, because they make their clients believed that they 've cleared the checks, when they have n't and the robbers must know this. I would n't have fallen in the scam if the bank had n't put the money in my account making me believe that it was all right to use it. 
They never let me know that I had to wait for a period of time to use the money in my account, after I deposited a check and they complete the transaction by showing the money in my balance. 
With this complaint I ask Eagle National Bank to reinburse the amount of {$1800.00} to my account, as well as the return check fee. Also the bank needs to stop paying checks into an account without verifying it beforehand.",,Consent provided,Web,2016-08-06,Closed with explanation,Yes,No,CR2049764,7772
2016-08-06,Bank account or service,Checking account,"Account opening, closing, or management",,"I went to Eagle National Bank at XXXX XXXX XXXX, XXXX, NY XXXX planning to open a checking account. The associate that assisted me, XXXX, put the wrong address and e-mail in the system while assisting me to open a convenient checking account. Since the information she put in was incorrect I requested her to edit the information she put in. She refused to correct the information she typed in and forced me to sign the documents. So, I refused to sign the documents since she put in the wrong address and email. The whole process was frustrated and waste of time.",,Consent provided,Web,2016-08-06,Closed with non-monetary relief,Yes,No,CR2049727,789
2016-08-06,Credit card,,Billing disputes,,"I purchased an Ultra HD TV 4K XXXX '' Flat Screen from Target in XXXX, 2016 by applying for a credit card and had this item charged on this card with this company. The first statement would start in XXXX, 2016 and the monthly payments will occur on the XXXX of each month. The Initial balance was {$600.00}. The minimum payment amount is {$25.00} of which I paid $ XXXX/month before the due date for each month that I paid. I would say that my payment was made around the XXXX of each month for each payment. I was never late and never made the payment on the due date, which is XX/XX/XXXX. The payment was always made before the statement due date. 
I noticed on the second statement, which was XXXX/XXXX/16, that I was charged an interest rate of {$10.00} and after XX/XX/2016, I was charged an interest rate in addition to paying a $ XXXX/payment which is XXXX % of what the minimum payment which was required. 
Listed below are the monthly payments made and the interest charged : XXXX/XXXX/2016 {$100.00} paid {$0.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$10.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$9.00} interest charged XXXX/XXXX/2016 {$100.00} paid {$3.00} interest charged XXXX/XXXX/XXXX {$100.00} paid {$5.00} interest charged XXXX/XXXX/2016 will pay balance of {$100.00} {$3.00} interest charged This last payment will pay the balance in full. Calculating what the final balance is, which Target says that I owe {$140.00}, I still calculate an additional charge of {$10.00}, which is in addition to the {$3.00} interest charged listed above. I should only owe {$100.00} not {$140.00}. 
I believe that Target is double charging me interest on this item. It is my understanding that the interest rate, which is 23.15 % is to be included in the minimum payment of {$25.00}. However, I am paying $ XXXX/month and I should not be charged any additional interest fees. In addition I am paying before the statement due date and especially when I am paying over the minimum amount due/month. When I asked the customer service rep and talked to a manager and asked where is this additional interest fee is coming from especially when I am paying XXXX % over the minimum amount they provided information that did not make any sense. 
Therefore, I am requesting that the total of {$42.00} or any additional interest rate at the time of this final payment be removed from my account and I should only owe {$100.00} balance on this bill due XXXX/XXXX/2016. And I am asking to investigate Target regarding this double-dipping of interest fees being charged to myself and possible other potential customers. I am not sure that other customers are experiencing this but it needs to be investigated.",Older American,Consent provided,Web,2016-08-06,Closed with non-monetary relief,Yes,No,CR2049435,13261
2016-08-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-06,Closed with explanation,Yes,Yes,CR2049735,11
2016-08-06,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-16,Closed with explanation,Yes,No,CR2049606,1623
2016-08-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am writing to file a complaint regarding customer service with Branch Manager XXXX XXXX at Eagle National Bank, XXXX location. On XXXX XXXX, I went into the branch to deposit checks as I was waiting in line, I noticed a woman come out of the office, we made eye contact but never spoke. I turned around to continue to wait in line, being that there were XXXX or XXXX customers ahead of me. I looked around again & the woman was still looking at me. I thought it was odd, but I thought maybe she was admiring something, I was n't really sure. Once I was called to the teller, I explained to her what I needed which was, a deposit of XXXX checks and a money order. The teller asked me to swipe my card & enter my pin, I did, & she proceeded with my transaction. In the middle of it, she said my manager has to approve this transaction or something to that nature. I thought that was odd, but I said okay.The lady I was previously speaking of ( whom now I know is XXXX XXXX ), came over & started reviewing my account.She then said to me, '' Oh, so you are from XXXX, you 're a long way from home ''. I responded "" I have a place here as well, my husband is here for work ''. At that point she walked away without another word, she never said hello to me to begin with, never stated her position, nor why she was coming over to verify my account, just speaking on where I was from. I did not appreciate that, but I let it go. At this point the teller is now working on my money order transaction & she asked me to swipe my card again, & to re-enter my pin for the next transaction, I did. Then she asked me for my ID, which I did not understand, because I have gotten cashier 's checks and money orders before but all I needed was my pin number. I thought this whole process was odd, but I did as I was asked so that I could be on my way.I left feeling like I was treated unfairly, especially being a customer for so long and even when I relocated from Illinois to XXXX, I have never been treated this way at other Eagle National Bank locations, even if it was my first time. Now, here we are again on XXXX XXXX, & I went into the branch on XXXX XXXX XXXX again today & was treated the same, if not worse. I walked in the branch hoping for a better experience, but that did not happen.I walked to the teller line and waited for my turn, as I was waiting I noticed XXXX in the office sitting at a computer. I waited in line about 8 minutes or so to see the next available teller. Once I was called I explained to the teller I needed to make a deposit & get a cashier 's check. She asked me to swipe my card and enter my pin, I did. She proceeded to complete my deposits, as we had small talk, abruptly & might I add rudely XXXX comes over interrupts saying "" I need to verify the transaction '' & the teller "" startled '' said 'what transaction '', rudely & I mean rudely, XXXX said "" THIS ONE ''. The teller quickly stepped back & let her get into the computer, I 'm just looking at XXXX like are you serious. I never took my eyes off of her, but she never looked at me, & never said a word to me, no explanation on why she was doing this, or anything. Then she just walked away to the next teller and said something to her. I said to my teller, "" is there another Eagle National Bank '' in the area., then I said because this is the XXXX time I have come here & she has come over & done this. Immediately the teller says, oh she just has to verify our paper work, she 's over here all day.Well I find that hard to believe because there were XXXX transactions going on when I came and she was sitting at her desk in her office., She did not decide to come behind the tellers booth until my transaction started. I feel as though she has a problem with me, & I can not see why othetr than the color of my skin because I have never seen her before until I came in on XXXX XXXX. ( there is more )",,Consent provided,Web,2016-08-05,Closed with explanation,Yes,No,CR2047691,3746
2016-08-05,Bank account or service,Checking account,Deposits and withdrawals,,"I had fraudulent ATM withdrawals pulled from my checking account at a random ATM. The bank ( Eagle National Bank ) initially refunded the money ( close to {$500.00} ) but then took the money back - they decided that the transactions were NOT fraudulent since the correct pin was used at the ATM. I had the debit card in my possession at the time these fraudulent transactions were made The ATM that the money was taken from was XXXX. Now, I being told that I have to wait to hear back IF this will continue to be investigated and I am out the {$500.00}.",,Consent provided,Web,2016-08-05,Closed with monetary relief,Yes,No,CR2049307,2923
2016-08-05,Bank account or service,Checking account,"Account opening, closing, or management",,"I have repeatedly requested my Bank statements from EN at least four times and to date EN has not delivered my Bank Account Statements as requested. I originally requested these statements due to the discovery of fraud being committed on my online EN profile connected to my EN Bank account. In XX/XX/XXXX I discovered my bank account was being accessed by someone else without my knowledge or permission and they had changed my address Information to an address I have never resided at and am completely unfamiliar with. I also noticed my ex-wife 's name was also list on my account where she should not have been as I thought she had been removed ( we divorced in XXXX and per our Divorce agreement this account belongs solely to me ). I contacted EN immediately and reported this fraud, EN told me someone was accessing my account online and asked if any money had been taken out. I informed EN that I was unsure if any money had been removed and would first need to review all the previous Bank Statements before I could answer that question. I asked EN to send my all the prior bank statements dating back to when the account was first being accessed by this other party online. EN then stated there was nothing they could do unless money had been removed. This did not sound right nor set well with me so I contacted EN again with my concerns and I asked them how long and often was this other person accessing my EN Bank account online and EN stated off and on since XXXX. Again EN asked if any money had been taken out and again I stated that I was unsure if any money had been removed. Again I requested my EN statements so I could answer that question. EN said there was nothing they could do and my only option was to close the account, so I closed the account as instructed by EN. This still did not sound legal to me so I started to research but due to circumstance beyond my control, I could not devote enough time to the issue at the time. My Father passed away and I was left to handle his affairs and while subsequently being the sole provider of care for my elderly mother who now has XXXX all while dealing with being XXXX and subjected to continued character assault / harassment by my ex-wife. I discovered that the repeated accessing of my online account constituted to computer fraud and online stalking. I contacted my local EN and spoke to XXXX XXXX about my concerns and again requested my previous Bank Statements. I was told I would receive the statements via email and given two fraud complaint numbers to reference in the future. I never received the statements so I called EN again and again I was told there was nothing they could do. My Fianc called the US Secret Service on my behalf, the US Secret Service instructed us to contact EN again file a Fraud Complaint with EN they needed to hear from a EN Fraud Investigator and gave her contact information for the EN Fraud investigator to deliver any evidence to. Again I contacted EN this time I went to EN in XXXX MO XXXX and spoke to XXXX on XXXX/XXXX/XXXX. XXXX informed me the Fraud Complaint numbers given to me by XXXX XXXX were fake as these numbers were not any kind of Fraud complaint numbers EN uses. XXXX also informed me that whoever was accessing my EN account had been doing so through my online profile from another IP address that was different from the one I normally used. I informed XXXX that my ex-wife had stolen my computer when she kicked me out of our marital home ( XXXX ) and asked if this was how someone could have been accessing my account. She informed it could be and looked to see if my ex-wife had her own online profile and discovered she did not have her own online profile nor has she ever had an online profile for this account. To date I still have not received a single statement.",,Consent provided,Web,2016-08-05,Closed with explanation,Yes,Yes,CR2048768,7166
2016-08-05,Bank account or service,Checking account,Problems caused by my funds being low,,"Starting about a month ago Eagle National Bank started charging my account a long succession of insufficient funds fees of {$35.00} each. They charged me XXXX fees for a total of {$730.00}, the last XXXX on XXXX first. I did n't notice it for about the first two weeks because I knew I had a low balance and I had n't written any checks and I had n't used my debit card. It turns out that my XXXX account was submitting requests for payments of very small amounts between {$3.00} and {$5.00}. They submitted these requests four or more times each for XXXX or XXXX small amounts. By the time I discovered it, Eagle National Bank had already charged more than {$500.00} ( negative ) to my account. By then it was too late for me to do anything about it. Just to compound it they also charged me XXXX or XXXX "" extended overdrawn balance '' fees. When I called and spoke with a representative they said that there was no policy limiting the number of fees they could charge an account over a period of time. They did agree to refund XXXX fees ( a total of {$170.00} ) because that was the most they could refund in a given year. 

Eagle National Bank has taken {$530.00} of my money. I receive a social security check by direct deposit on the third of every month. I contacted XXXX about ten days in advance but they said it was too late to change the destination of my check. So Eagle National Bank has taken well over half of my social security check and I have no idea how I 'm going to pay my bills this month. If I had done some kind of damage to them I might be able to understand it but it costs them nothing and they take the fees because they can. I am at my wits ' end. 
XXXX XXXX",,Consent provided,Web,2016-08-05,Closed with explanation,Yes,No,CR2048648,1539
2016-08-05,Bank account or service,Savings account,"Account opening, closing, or management",,"XX/XX/XXXX-went to Eagle National Bank ( XXXX XXXX branch, CA ) closed checking acct. But XXXX XXXX ( EN ) closed both my saving and checking without permission. 
XX/XX/XXXX-Went to EN ( XXXX ) who said that my saving ( XXXX ) has been closed. Staff said if I did not open a "" new '' saving account today. All money remaining in saving will be gone permanently XX/XX/XXXX-Went to EN ( XXXX XXXX ) and realized XXXX has been terminated due to received several complaints from customer XX/XX/XXXX. Talked to acting branch manager, after filled out paperwork, she promised she will recover my saving acct by next Tuesday. I also shown that my credit score has been dropped off XXXX point from XX/XX/XXXX to XX/XX/XXXX, because of closing this old saving account ( opened XXXX ) XX/XX/XXXX-Went to EN ( XXXX XXXX ) and teller told me saving account has been recovery, all money from new saving has transfer back to saving before closed this account XX/XX/XXXX- After deposited money to EN ( XXXX XXXX ), I realized they put money to new saving account. Staff told me it is the only account I have. That means EN ( XXXX XXXX ) lie on me by never recover saving account",Servicemember,Consent provided,Web,2016-08-05,Closed with non-monetary relief,Yes,No,CR2047546,4862
2016-08-05,Credit card,,Other,,"Basically, I have XXXX balance on my card believe I may be the victim of stolen identity. 
I tried twice on or before XXXX/XXXX/16 I called Eagle National Bank, and had already sent them a check for XXXX they claim it was returned. XXXX XXXX has no record of this transaction. Eagle National Bank claims that the check was returned by my bank ( XXXX ) However, XXXX XXXX according to XXXX as of XXXX, today has no record of such. No returned check or even an attempt made to pay this rather large and noticeable amount. On XXXX/XXXX/16 I called EN and gave them a payment of XXXX from my debit card.. The confirmation number given to me is XXXX. Still there is no record of payment. My bank XXXX XXXX XXXX XXXX has informed me that neither of these payments have even been submitted. 
Something is fishy Eagle National Bank has gone so far as to charge fees for XXXX of these payments being returned. Neither payment had been returned according to XXXX XXXX I have an XXXX check missing as well as XXXX debit card payment which is missing I question whether or not I made these credit card purchases and respectfully request full disclosure of all records of this account as it seems I may be in fact a victim of identity theft.",Older American,Consent provided,Web,2016-08-05,Closed with explanation,Yes,No,CR2048475,1269
2016-08-05,Credit card,,Billing statement,,"I have had XXXX Fidelity Investments credit cards for a long time. Recently, out of the blue, they changed from XXXX to Visa issuing new cards than you had to individually register on a different internal FIA website, fidelityrewards.com. The Mastercards had been administered at fiacardservices.com The problem is when you registered your new card you could no longer even log on to the old site, which is where my statements are. It 's worth noting her that FIA had been using continual nags to get me to switch from paper to online statements. 

The new site does n't have any of the old statements. 

So, when I simply wanted to look at an old statement to see the date I purchased and item the statement was not available. I called the phone number on the old site and was told I could not log on to see statements and they had no information they could give me, and that I should call the number on the back of my new card. 

I do that only to be told they have no access to the old information. ( I figured it would turn into a "" who me? '' kind of thing ) But they did say they could send me paper copies of my old statements. That did not solve the problem of proving today when I bought something, and I could n't be sure what month it was in any case. 

I do n't know how the law views it, I 'm sure Fidelity Investments has lot 's of high priced lawyers, but I consider Bank statements to by MY information, no THEIRS. 

I told them what they were saying was unacceptable and asked to speak to a supervisor. 30 minutes later it became obvious to me they just wanted me to hang up and go away. 

Their conversion from XXXX to Visa happened less than 2 months ago, I have one statement since the switch. Nobody warned me that as soon as I activated the new card I was going to lose access to my XXXX card statements. They did send a long-winded agreement full of legal and technical gobbledygook. I think they write them in a way that they know frustrates the reader into throwing them away, but I usually plow through as much of them as I can. I remember reading a large part if not all of what they sent me about the conversion. I do not recall anything about losing access to my old statements. 

Normally if a person gets a new card they keep and old one for a reasonable time to keep access to the old information and they are usually from different banks. In this case it was the same bank issuing a card with the same limits and rate, and it appears that activating the new card cancelled the old one. I do n't remember that in the gobbledygook terms of the new card either. 

I was about to call a TV manufacturer about a problem with a set I bought sever months ago. I know they are going to ask me when I bought it. I should have been able to have that information in my hands in 2 minutes. Now between 3 calls, long hold times and now complaining about it my day is about blown. 

These days it seem there are several phone calls that can ruin your day. A call to a bank, Credit card company, big box retailer, cell phone provider or cable company. These companies have become so big and arrogant and few that they know you ca n't just get mad and take your business elsewhere because elsewhere is a difference without a distinction. I have no real choice in Cable provider, and I know the costumer service model for cell phone providers and retailers are the same. You ca n't expect better service by going from one to another. They do n't do customer service so much as they pay lipservice to it. 

I 'm certain I 'm not the only FIA credit card holder unhappy about losing access to their information, which most people probably rely on more than I do. 

How did they get away with this?",Older American,Consent provided,Web,2016-08-05,Closed with explanation,Yes,No,CR2048056,2510
2016-08-05,Credit card,,Delinquent account,,"I opened my first credit card about 6 years ago with Eagle National Bank. I ended up closing my account 2 years after initially opening the account. There was a {$30.00} annual fee with this credit card. Those fees were paid in full with zero balance. Now, I am trying to refinance my house, and I have a {$18.00} balance that is long past due. I was never even notified about this past due balance. This is affecting my credit, and I need this {$18.00} balance removed immediately. I feel this balance is an error, but I am willing to pay the balance. I greatly appreciate any assistance.",,Consent provided,Web,2016-08-09,Closed with monetary relief,Yes,No,CR2048438,5788
2016-08-05,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2016-08-05,Closed with monetary relief,Yes,No,CR2047951,3119
2016-08-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,"Older American, Servicemember",Consent not provided,Web,2016-08-05,Closed with monetary relief,Yes,No,CR2048215,8692
2016-08-04,Bank account or service,Checking account,Using a debit or ATM card,,"My wife and travel frequently for business. We have banked with Eagle National Bank for years. 
We typically use our main account debit card to get cash in local currency at an airport ATM when travelling internationally. This worked for my wife on XXXX/XXXX/2016, for instance, in XXXX. At the XXXX my wife was unable to get cash using her card through an ATM in XXXX. When I went to our local bank branch and spoke with the manager, I was told that EN now requires posting a prior travel notice online in order for international ATM transactions not to lock a debit card. She said that if such a notice was posted, the card would work unless there were other "" suspicious security factors. '' On XXXX/XXXX/2016 I posted such a travel notice on the online banking EN site for my debit card and received an email receipt. On the morning of XXXX when I tried to use my card to get XXXX from an ATM in XXXX airport as per my travel advisory, my card was locked. I spent over 40 minutes in the airport trying to get through and finally was told by an automated system that the office would not open until Monday. I was finally able to get XXXX on XXXX. 
When I returned to XXXX, I went to my local EN branch and made an appointment to speak with the same manager that I had spoken with before. Her assistant confirmed that the card had been blocked, that there was a valid travel notice, and could not cite any other security issues. When I returned, the manager was unavailable and did not call me back. Her assistant promised that I would receive an explanation of my card blockage by Monday, XXXX, but I have not been contacted. 
I find this both extremely frustrating and dangerous. My EN branch can not explain why the card was locked. My online alerts document that I posted a travel notice but mention no security issues. The process of trying to get a card reactivated involves yelling personal financial information into a cell phone in a crowded and noisy airport. And since work has required my wife and I to travel over the past few years to XXXX, XXXX, XXXX, XXXX, and XXXX, I do not approve of any "" security '' scheme that prolongs a traveler 's time in an airport or other public transport hub.",Older American,Consent provided,Web,2016-08-04,Closed with explanation,Yes,Yes,CR2046940,2163
2016-08-04,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX, 2016 I deposited a check drawn on a law firm checking account in the amount of {$5000.00} to my Eagle National Bank checking account. I had not used the account in two months, but there had been no previous overdrafts of the account. Upon depositing the check, I received a receipt indicating that the funds would be available on Monday, XXXX XXXX, 2016 at XXXX. I waited until after XXXX/XXXX/16 XXXX p.m. to write a check to myself for deposit in my bank account at XXXX in the amount of {$500.00}. On XXXX XXXX, 2016, I received an email from Eagle National Bank telling me that my account was overdrawn. I called customer service and was told that the hold was extended on my account but was not told when the money would become available or given a specific reason as to why the hold was extended. I advised Eagle National Bank that I had written a check to myself for {$500.00} and I was told that they were determining whether or not to honor the check. I told them that the deposit check was from a law firm that I worked for, but they did not respond. On Thursday, XXXX XXXX, 2016, I obtained a copy of the cancelled deposit check for {$5000.00}, which indicated that the funds had been paid over to Eagle National Bank on XXXX XXXX, 2016. I took the copy of the cancelled check, the receipt from Eagle National Bank indicating that the funds would be available on XXXX/XXXX/16 after XXXX to the branch where the check was deposited. The bank refused to credit my account with the {$5000.00} and said that the hold would not be lifted until the end of business on XXXX XXXX, 2016, but would not give any explanation as to why and did not address how they could hold my funds when I showed them proof that the check had been paid. Eagle National Bank agreed to remove the returned check charge for my {$500.00} returned check and a {$12.00} service fee today, but would not make the funds available immediately. This is clearly wrong and outrageous behavior on behalf of this bank. I also incurred additional bank charges on my XXXX account because the {$500.00} check was returned as unpaid by Eagle National Bank. Eagle National Bank has advised that they can not reimburse me for fees charged by XXXX.",,Consent provided,Web,2016-08-04,Closed with monetary relief,Yes,No,CR2045751,3055
2016-08-04,Credit card,,Late fee,,i have a Eagle National Bank credit card account .i have never been late on my payments .my due date is the XXXX of each month.last month was the XXXX my bank was closed so i could not make the payment until the XXXX iwas charged a late fee of XXXX dollars.they told me that i had to pay the late fee no matter what,,Consent provided,Web,2016-08-08,Closed with monetary relief,Yes,No,CR2046508,2500
2016-08-04,Credit card,,Billing disputes,,"I was using my computer to browse the internet and I clicked on a link that immediately brought up a web page that hijacked my computer ( of which I found out later ). This web page stated that the site that I was on ( which was actually their own web site ) was damaging XXXX 's internal structure as well as my own laptop. Their page said that I needed to call a particular number so that this problem could be resolved. It listed a number to call. The fact that something might be wrong with my computer panicked me and caused me undo stress. I tried to exit out from the web site but the site had taken over my computer and I was unable to do anything to get rid of the page that had hijacked my computer. I called my computer guru friend but was unable to reach him. I became frantic and did not know what to do but to call the telephone number that was listed on the frozen web page. A guy by the name of XXXX XXXX answered and he said that he could get the problem cleared up but it would cost me {$240.00}. For an additional {$150.00} he could offer more services that he felt that I needed. I did n't what to do but to accept his offer. He called the bank and stayed on the line while I authorized the purchases but then after that was completed he said that there was another thing that I needed ( for long term protection ) that would cost {$99.00} extra. He said that a technician would be contacting me shortly to walk me thru the process of removing the malware that they had already installed on my computer ( again that I found out about later ). Shortly another person from XXXX ( the original person was from XXXX XXXX Florida ) called me and said that he could fix my computer but the last transaction of {$99.00} had been short circuited and I needed to call the bank to have them approve it. He told me not to tell the bank what I needed the money for but to have the bank transfer the funds to his website automatically. I was having a problem getting a hold of the bank so he said that he would call me back the next day. I then hung up the phone with my computer still locked up. I was then able to get in touch with my computer friend who informed me that this episode was actually a well know computer scam. He was able to fix my computer immediately and to re-enable my XXXX Antivirus of which they had disabled. He was able to clean the virus that these people had installed on my computer and got me up and running in no time. And he explained to me what to do in the future if this happened again. Shortly after my computer friend had fixed my computer, I got another call from this same group of people ( from Florida - not the original person ) who said that he could not finish doing his installation because he had lost his connection to my computer and could not get logged back in. I told him that my computer had been cleaned and that I did not need his service especially since I was not looking for any type of virus or computer protection. I was already happily protected by XXXX until they hijacked my computer and basically forced me to purchase their product. 

Eagle National Bank informed me in a letter that the service "" XXXX XXXX '' wanted to deliver to me could not be completed because of technical difficulties but I already concluded that I did not want their service because it was a scam to begin with. However Eagle National Bank does not see it that way even though they sent me a letter stating that I did not receive the product from ( XXXX XXXX ) as they indicated to them that they had not been able to fix my problem. Unfortunately Eagle National Bank paid them anyway of which this complaint is based.",Older American,Consent provided,Web,2016-08-04,Closed with monetary relief,Yes,No,CR2046785,677
2016-08-04,Credit card,,Delinquent account,,"I setup an automatic pay for my Target credit card starting in XXXX. I was not aware that the payment was not made until XXXX when I received an alert from XXXX XXXX that there was a change in my credit due to a derogatory remark. Target did not attempt to call me, send me an email about a past due amount or send me a letter of the delinquency. I am setup for email alerts and was not notified of any past due. I have never requested to not be contacted. I only received my regular electronic statement letter which did not indicate there was an issue in the subject, it looked like any other regular statement notification I received with Target. I would have not known that the payment was not coming out until I was notified by XXXX XXXX there was an issue with my credit report. As soon as I saw the XXXX XXXX report, I paid in full. I called target but they said they could not help with any credit reporting. My account reflected the derogatory remark for the month of XXXX and XXXX even though the account was paid in full in XXXX. I think it is unfair for a consumer to never be notified of a delinquent amount or have their credit reported if there was no actual attempt to collect a debt. And if they are allowed to report the credit without attempting to collect debt, why was my account negatively reflected for XXXX and not showing paid off? Target customer service could not help or answer these questions. They said I should reach out to a credit bureau.",,Consent provided,Web,2016-08-04,Closed with explanation,Yes,No,CR2047077,148
2016-08-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-08-04,Closed with explanation,Yes,No,CR2045971,1591
2016-08-04,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2016-08-05,Closed with explanation,Yes,No,CR2043457,777
2016-08-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-08-04,Closed with non-monetary relief,Yes,No,CR2045214,4727
2016-08-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-08-04,Closed with explanation,Yes,No,CR2043606,4116
2016-08-04,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-08-04,Closed with explanation,Yes,No,CR2044968,2509
2016-08-04,Bank account or service,Savings account,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-08,Closed with monetary relief,Yes,No,CR2046112,888
2016-08-04,Bank account or service,Savings account,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-04,Closed with monetary relief,Yes,No,CR2047313,7102
2016-08-03,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank 's Risk Dept sent me a letter XX/XX/2016 informing me they were closing my XXXX bank accounts we had with them. XXXX business and XXXX personal accounts. No explanation was given for their decision to close my accounts after 35 years of doing business with them. 
Eagle National Bank sent cashier checks for the balance in XXXX of my accounts. At this time {$1200.00} was not sent. I am being told by their fraud dept. I am on camera at XXXX, in their XXXX branch receiving the money at the teller 's window.I am being told by their fraud dept. my ATM card and pin were used in the same transaction.I have documentation to substantiate I in fact was on a XXXX XXXX flight to XXXX XXXX at the same time. 
Eagle National Bank is refusing to release my {$1200.00} dollars to me. I believe XXXX in Eagle National Bank 's Risk Dept is responsible for the "" missing ' money.I spoke to XXXX on XX/XX/2016 at approximately XXXX-XXXX at Eagle National Bank 's XXXX XXXX XXXX branch .I was demanding they release my money to me from my personal closed account. I needed my money to cover a check written from my new bank to cover a business rent payment. XXXX said NO. "" I had been made aware of the need to have my money out by XX/XX/2016. 

XXXX from B of A 's fraud dept. stated I took the money out at XXXX on XX/XX/XXXX. At XXXX on the same day the money was still in the account. My bank statement shows the money being taken from the account on XXXX XXXX, from XXXX branch teller window.Their fact contradict themselves. I believe Eagle National Bank is deliberately keeping my money.The local sheriff dept is not being helpful.The Sheriff were told by the branch manager I was in the branch and received my money.I find it necessary to hire a legal firm to assist me to obtain my money.",,Consent provided,Web,2016-08-03,Closed with non-monetary relief,Yes,No,CR2043960,1162
2016-08-03,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a account with Eagle National Bank over 8 years ago and at the time was told that i will not have any maintenance fees on my account, than in XXXX they started charging a {$12.00} maintenance fee without warning or being told that at all. when i contacted them they said it is because i did not fill the waiver requirements, which i never have, not before XXXX either.",,Consent provided,Web,2016-08-03,Closed with monetary relief,Yes,No,CR2045478,4780
2016-08-03,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I opened a chq.acct. with Eagle National Bank on XXXX. I received a cashier 's cheque for {$4800.00}, from an on line company for a job as a "" XXXX XXXX '', which I deposited into my acct. through the ATM process, on XXXX. I received a receipt .On XXXX I recieved evening mail from Bank or America ( detailed copies of same will be furnished as requested ) explaining that a '' Hold '' was placed on my cheque because paying bank information indicates item may be returned.Consequently I received two other pieces of mail with deposit and other additionsiwas confused .The following a.m. 
I went to the Bank, I was informed by a Cust.Svc.Rep. that they believe that the cheque is fraudulent and I would have to wait until XXXX for the cheque to clear or be deemed fraudulent, although he already told me that the cheque is not good.I explained that my Direct Deposit ( SSI ) would be coming on XXXX.He then told me that most likely the Bank would close my acct.I asked why. His reply was because of a fraudulent cheque. On XXXX I received mail from Eagle National Bank that they made a decision to close my account I went to the bank. On XXXX, I went to the bank to pick up my SSI cheque.Due to the acct. closure I would have to go directly to the teller for my money.Shetold me my acct. is closed and I must speak with the said Cust. Svc. Rep .I am unable to pay my rent, I have nofood to eat and no money.I went to my Congresswoman for help and was guided to take this step.I do have all receipts and documents, and names so I 'll be brief as possible. Thanking You in Advance. 

rent is due, and because of my XXXX, there are certain things "" I must buy.I was told by the teller to see the Cust.Svc.Rep who informed me that my acct. is closed and I would be unable to get any monies until they have I do haveAll necessary documents, names and receipts but my copier is not connected for no money for ink.","Older American, Servicemember",Consent provided,Web,2016-08-04,Closed with monetary relief,Yes,No,CR2044573,3405
2016-08-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Myself and my husband are charged bank fees, the bank will not reverse charges. We have been able to deposit funds that same day to cover charges / checks that went through. My husband was charged XXXX fees this month on his account, he had always made deposits that same day to prevent fees, now the associates say that was never their policy, after being on the phone for XXXX30 minutes at a time, the associate was very disrespectful and had noknowlddge of his employer",,Consent provided,Web,2016-08-03,Closed with explanation,Yes,No,CR2045417,599
2016-08-03,Credit card,,Other,,"I have had a credit card with Eagle National Bank for many years. Just recently they sent me a XXXX form and a XXXX form to fill out and mail back to them saying that they need to update my information. No other credit card company has sent such forms. B of A already has my Social Security number which they got when they granted me a credit card ( years ago. ) So what is this all about? I am asking CFPB to live up to its name and protect me from corporate over reach in data mining, etc.",Older American,Consent provided,Web,2016-08-03,Closed with explanation,Yes,No,CR2044887,2535
2016-08-03,Credit card,,Other,,"i paid a company blue chip dev. XXXX on XX/XX/2016.when i realized i had been taken i called my credit card to dispute this transaction.i was first told they could not find a billing error.it was not a billing error because i had given them my information.this was services not rendered to me. i am XXXX years old, this is more of unfair and deceptive trade practice on the elderly.the bank went along with this fraud and found in their favor.this is only a portion of what they charged me.other cards responded favorably so how can some do and some dont. i dont feel as if the bank even looked into this.the amount charged has to be illegal.seems as if the bank just sent a form letter to bad.i dont know by law how much the bank or merchant are held responsible but this is thievery.i would expect more from my financial institution.",Older American,Consent provided,Web,2016-08-03,Closed with explanation,Yes,No,CR2044123,857
2016-08-03,Credit card,,Cash advance fee,,"This is a follow-up of complaint XXXX. FIA Card Services has never sent me their definition of "" cash equivalent '' or anything else. In addition, to harass me further, the last statement included a "" minimum interest charge '' of {$1.00}. I owe them nothing and that charge was so absurd that their automated line took it off. FIA cheat and lies and is totally irresponsible. There should be some penalties or they should at least tell the truth. They record their calls so al this can be easily verified.",Older American,Consent provided,Web,2016-08-03,Closed with explanation,Yes,Yes,CR2043912,2213
2016-08-03,Bank account or service,Savings account,Deposits and withdrawals,,"My account was debited for a large amount by Eagle National Bank with no explanation nor was I contacted. All that was said was "" WITHDRAW endorsement XXXX Eagle National Bank '' Why did Eagle National Bank take my money?",,Consent provided,Web,2016-08-03,Closed with explanation,Yes,No,CR2043738,5539
2016-08-03,Credit card,,Advertising and marketing,,"My husband and I currently have an Ally Bank checking and savings account. When Ally Bank announced that it would also have a credit card, it seemed natural and easy to sign up for this card. To start, this card is unrelated to Ally Bank - in fact, XXXX XXXX runs the credit card and they refuse to acknowledge any connection with Ally ( rightfully, because there is no connection ... thus, this is not an "" Ally Bank '' credit card ). I feel strongly that their advertising was misleading. 
This card has been nothing more than a headache - they refused to add my husband as a co-applicant ( claiming that he could only be an authorized user ) ; I could not register for online banking and they could n't help me - so all of my transactions have had to be over the phone ; I paid off my card and they withdrew the money from my checking account, but are holding the money for 8 days. Holding my money for 8 days is irritating and unreasonable because, during that time, I am not earning interest on that money ( they are ) and I now can not use this card until the money is cleared. Again, this goes back to the real problem that they are not actually connected to Ally Bank. I contacted them and, due to the hold, they can not allow me to access my credit card account online ( does that even make sense? ) and they can not abrogate the 8 day rule. It 's unreasonable to hold this sum for 8 days and my husband and I will no longer be using this card because it is so incredibly inconvenient. I understand they may be working out the kinks, but I 'm not willing to wait for this.",,Consent provided,Web,2016-08-10,Closed with explanation,Yes,No,CR2044838,874
2016-08-03,Credit card,,Balance transfer fee,,,,Consent not provided,Web,2016-08-03,Closed with monetary relief,Yes,No,CR2044965,556
2016-08-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-08-03,Closed with monetary relief,Yes,No,CR2043952,5030
2016-08-03,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-03,Closed with monetary relief,Yes,No,CR2041282,587
2016-08-02,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited a couple of checks on XXXX/XXXX/2016 for amount of XXXX $ and the bank made the amount available with in a time of 10 mins, but i waited one day to draw the amount after three business days the bank saying the checks are rejected and deducted money from my account. 
As per the rules, if the amount is more than {$200.00} the amount should not be available until the checks are cleared. 

I tried couple of times to speak with Eagle National Bank customer care, they are not responding, Simply placing my call on hold. After a couple of attempts I got one guy he said, we are sorry for that we would give you {$24.00} the fee which was taken for the rejection checks.And some are saying based on our relation we make the amount available with out clearing the checks. 

I lost {$2300.00} because of their fault, I went to deposit the checks in the bank, the bank teller make me to deposit in the atm and after three business days they said the checks got rejected. please help me on this issue. 

Thanks XXXX",,Consent provided,Web,2016-08-02,Closed,Yes,Yes,CR2042482,4892
2016-08-02,Bank account or service,Checking account,Using a debit or ATM card,,"In XXXX XXXX, 2016, the Eagle National Bank inserted a 'online reply expired ' document in the message center, of my eligible claim.",,Consent provided,Web,2016-08-04,Closed with explanation,Yes,Yes,CR2041086,3544
2016-08-02,Credit card,,Identity theft / Fraud / Embezzlement,,"I have already filed an FTC affidavit and an accompanying police report for an identity card that was opened in my name at Eagle National Bank. It was removed from the credit bureaus but for some reason, it seems BofA still has it on its book.",,Consent provided,Web,2016-08-02,Closed with explanation,Yes,No,CR2039086,2450
2016-08-02,Credit card,,Other fee,,"On XXXX/XXXX/2016 I closed the Eagle National Bank XXXX credit card account ending in XXXX. An annual fee of {$75.00} was assessed to that credit card account on XXXX/XXXX/16. Upon closing the account, I was informed that the annual fee could not be refunded. I then requested a partial refund since the fee covers usage of the card for the next 12 months and aforementioned credit card account had been closed. Eagle National Bank refused to provide a pro-rated, or partial refund of the annual fee.",,Consent provided,Web,2016-08-02,Closed with monetary relief,Yes,No,CR2043174,2923
2016-08-02,Credit card,,Billing disputes,,"Vendor is improperly reporting late charges and has refused to close my account for over a year which has no balance. No statements were ever sent by XXXX and I never received any statements until I filed CFPB complaint # XXXX yet after I closed my card XXXX processed charges ( never sent me notice of charges or billing ) and reported late payments ( even though no request for payment by XXXX was made ). XXXX stated in response to that complaint that my card had in fact been closed XX/XX/XXXX ( even though it was n't ). XXXX charged me with late fees and reported on my credit even though the card was closed with no balance. I received the attached letter in the mail on XX/XX/XXXX stating that my credit card ( which XXXX states was closed XX/XX/XXXX ) was being transferred to a new account. That new account shows open online and that I can make charges. I can not re-open the prior CFPB complaint to add this response so I am filing a new one. Either XXXX fraudulently notified the CFPB that my account had been closed ( see CFPB complaint # XXXX ) or my statements about their systems malfunctioning are correct. If I am correct then that further demonstrates the incompetency 's of their system and inappropriate late reporting. If I am not correct then that means XXXX knowingly summits false claims to a federal governing body. Take your pick.",,Consent provided,Web,2016-08-06,Closed with explanation,Yes,Yes,CR2042324,2202
2016-08-02,Credit card,,Credit determination,,,,Consent not provided,Web,2016-08-02,Closed with explanation,Yes,No,CR2041791,4364
2016-08-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-08-02,Closed with monetary relief,Yes,No,CR2042542,1968
2016-08-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-08-02,Closed with non-monetary relief,Yes,No,CR2040425,1027
2016-08-02,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-02,Closed with monetary relief,Yes,No,CR2042676,3409
2016-08-02,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-04,Closed with monetary relief,Yes,No,CR2042848,2509
2016-08-01,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank has refused to fairly consider a claim for unauthorized use of a debit card for XXXX transactions at a merchant where other authorized transactions have occurred. Each unauthorized transaction was processed as a "" credit '' transaction ; no PIN was involved. The merchant has a video of the perpetrator who used the debit card and can confirm that the person depicted in the video is not the account holder. Eagle National Bank has not contacted the merchant as requested and Eagle National Bank refuses to compare the signatures of the unauthorized transactions to other authorized transactions with this merchant.",,Consent provided,Web,2016-08-03,Closed with explanation,Yes,Yes,CR2039249,8670
2016-08-01,Bank account or service,Checking account,Using a debit or ATM card,,"I left my wallet at a friends house and when I retrieved it later that night I found about XXXX-XXXX dollars missing from the card, he swore he was going to return it to me but now he wo n't answer my text or calls!!!",,Consent provided,Web,2016-08-01,Closed with explanation,Yes,No,CR2040050,1516
2016-08-01,Bank account or service,Checking account,"Account opening, closing, or management",,I set up a business account with Eagle National Bank. I confirmed that I needed a {$2000.00} balance to avoid fees. I left it for 4 years. When I came back I found that they changed the minimum to {$3000.00} and charged me about {$700.00} in fees. There is no recourse apparently.,,Consent provided,Web,2016-08-01,Closed with monetary relief,Yes,No,CR2039067,2643
2016-08-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,Somebody took out {$9500.00} from my business account thru online XXXX/XXXX/2016 without my permission.,,Consent provided,Web,2016-08-01,Closed with explanation,Yes,No,CR2039553,2812
2016-08-01,Credit card,,Closing/Cancelling account,,I tired to use my credit card to buy food but it was declined even though i new i had available balance. My credit card was account was closed on XXXX/XXXX/2016 and I was not informed about it until Five days later on XXXX/XXXX/2016. I have never missed a payment on any of my credit cards after reestablishing my credit like they insisted I had done.,,Consent provided,Web,2016-08-03,Closed with explanation,Yes,No,CR2040269,4308
2016-08-01,Bank account or service,Savings account,Deposits and withdrawals,,"i opened up an account at Eagle National Bank located at XXXX XXXX NJ XXXX approximately 3 years ago for the purpose of converting collected coin for cash. this account was a NO FEE account and on my visit to the Branch on XXXX XXXX, 2016 I was informed the account was closed but they could not provide me any details as I had approximately {$110.00} balance a branch associate XXXX requested reports and promised to call me and never responded and again called back on XXXX XXXX and promised XXXX XXXX the branch manager would call me. Today I called back and found out XXXX is no longer t here an XXXX is on vacation. my account should never have been charged a fee as that was a special account I was told is now grandfathered and should keep it open. I am entitled to my funds and want it returned.",,Consent provided,Web,2016-08-01,Closed with monetary relief,Yes,No,CR2040769,1052
2016-08-01,Credit card,,Other,,,,Consent not provided,Web,2016-08-01,Closed with explanation,Yes,No,CR2040214,1210
2016-08-01,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-08-03,Closed with monetary relief,Yes,No,CR2039609,2439
2016-08-01,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2016-08-01,Closed with explanation,Yes,No,CR2040262,9582
2016-08-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-08-01,Closed with explanation,Yes,No,CR2040419,1434
2016-07-31,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,"Hello, I am an XXXX citizen and I lived in the U.S. between XX/XX/XXXX-XX/XX/XXXX on XXXX. I opened a checking account with Eagle National Bank when I was a XXXX at XXXX. 
When I returned to XXXX on XXXX/XXXX/XXXX, I did n't close my BofA account. On XXXX/XXXX/XXXX, BofA closed my bank account and sent a check for the balance ( XXXXUSD ) to me. 
The problem is that XXXX banks do not cash this check, because there is no financial relationship between XXXX and the US. No other country, including XXXX, XXXX, etc. opens a bank account for an XXXX citizen too. So literally I can not get my money back! 
I asked BofA help-desk if I can endorse the check and sent it to a relative who lives in the US, so he can deposit the check into his own account ; They said No! 
I asked them to cancel this check and issue a new one under the name of a friend of mine who lives in XXXX, so he can cash the check. BofA refused again. 
I want to know if I can ever get my money back. Can you help with that? 
Regards, XXXX XXXX",,Consent provided,Web,2016-08-03,Closed with explanation,Yes,Yes,CR2038798,1341
2016-07-31,Bank account or service,Checking account,Using a debit or ATM card,,"My father 's Eagle National Bank debit card was used in a XXXX XXXX XXXX while he was in a XXXX We have filed at least XXXX complaints about {$37000.00} in charges from his bank account with Eagle National Bank. We have provided a letter from the hospital naming the person who used the card, provide notarized copies of his signature and the bank keeps telling us that these were authorized charges on his debit card made by him. We have been fighting this battle with Eagle National Bank since XXXX XXXX, 2015, when my father passed away in XXXX XXXX. They also paid alimony payments from his bank account after I froze his account on XXXX XXXX, 2015. I have done everything within my power to try to retrieve these funds that were gotten nothing but letters stating that these were signed by my father. I feel that it is unfair that a large bank can get away with stealing over {$37000.00} from a deceased person 's bank account.",Older American,Consent provided,Web,2016-07-31,Closed with explanation,Yes,No,CR2038713,4942
2016-07-31,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-07-31,Closed with monetary relief,Yes,No,CR2038778,2146
2016-07-31,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-07-31,Closed with monetary relief,Yes,No,CR2039004,13090
2016-07-30,Bank account or service,Checking account,"Account opening, closing, or management",,I called my bank to close out XXXX accounts. When they completed closing out the account they asked if i needed anything else. I told them i would like statement copies for the last year. The representative logged the request and asked there was anything else they could help with but never told me the cost. I was surprised to see XXXX had been taken from my account in XXXX different XXXX transactions. I called the day i saw the charges to see about refunding them. They acknowledged the fact that they did not give me the opportunity to decide about the amount and the account it should be taken from. However they said they could n't give me a full refund for the charges. This caused my overdraft protection to be charged which cost me another fee. They refused to refund that fee as well.,,Consent provided,Web,2016-07-30,Closed with monetary relief,Yes,No,CR2038460,444
2016-07-30,Bank account or service,Checking account,"Account opening, closing, or management",,"I have been a loyal EN ( Eagle National Bank ) customer for roughly 7 years now. When I originally opened my account, I was told if I get direct deposit into my account, I would not be charged any fees. I went ahead and set up my direct deposit and from that day on was NEVER charged a fee. Until last month. Last month I checked my account on the mobile app, as I do daily, and noticed that I was charged a XXXX dollar monthly fee. I called customer service and spoke to a woman who happily waived the fee, apologized for the inconvenience and assured me it would not happen again. Well, it happened again this month. Although this time customer service was not so friendly. I explained to them my situation and they told me the fee was valid and continuously explained to me the their CURRENT standards for opening an account and how to avoid fees. I expressed that those were not the same standards as when I opened my account 7 years ago, and they told me there was nothing they could do. They told me nothing has changed on my account in 7 years. I asked how that was possible considering I had never been charged a fee in 7 years and now I 'm being charged a fee. I told them THAT is a change. They denied, denied, denied and continued sending me their current standards for opening an account. I used to love banking with EN and even referred a couple of friends. It 's sad that after 7 years of being a loyal customer, this is how you get treated - without even an explanation as to why.",,Consent provided,Web,2016-07-30,Closed with monetary relief,Yes,No,CR2038505,989
2016-07-30,Bank account or service,Checking account,Using a debit or ATM card,,"On Sunday XXXX XXXX, 2016, I had made a reservation at a XXXX in XXXX, MA XXXX for which I had to prepay {$270.00} from my debit card associated with my mother and my joint account at Eagle National Bank ending in ... XXXX. The reservation was for two nights- XX/XX/XXXX AND XX/XX/2016, and was reservation XXXX. When we arrived, we were met with a threatening man who told us we could only use the bedrooms and not the other listed amenities on the online advertisement which includes XXXX floor sitting area by fireplace, XXXX floor kitchen, XXXX season porch and deck with hot tub - all of these are available to guests as advertised on XXXX. We have sent a complaint and dispute to XXXX, to Eagle National Bank and correspondence from the Merchant admits that these amenities are available to guests ; however the man at the house told us we COULD NOT USE THESE AMENITIES and must STAY in OUR ROOM. We FEARED FOR OUR SAFETY and did not want to venture out. WE NEVER SAW THE ADVERTISED HOST and COMPLAINED THAT WE DID NOT WANT TO STAY THERE BUT WERE TOLD "" TOO BAD, YOU HAVE PAID AND YOU HAVE TO STAY HERE ''. WE HAD NO USE OF KITCHEN, ANY OUENOOR AREA - nowhere but the rooms. WE PAID FOR USE OF THESE AMENITIES. XXXX XXXX HAS BEEN PROVIDED THIS COMPLAINT BUT WILL NOT RESPOND TO ME ON THIS.",,Consent provided,Web,2016-07-30,Closed with monetary relief,Yes,No,CR2038447,4013
2016-07-30,Credit card,,Billing disputes,,"Eagle National Bank visa XXXX XXXX XXXX XXXX ripped off XXXX XXXX of {$6.00} on XXXX/XXXX/2016 charge of {$100.00} by charging {$6.00} for bottle deposit for nondeposit bottles. 
XXXX/XXXX/2016 XXXX XXXX NY Transaction date : XXXX/XXXX/2016 Card type : XXXX Transaction type : Purchases Merchant description : GROCERY STORES, SUPERMARKETS Merchant information : XXXX, NY Reference number : XXXX Dispute this transaction Type Purchases {$100.00}",Older American,Consent provided,Web,2016-07-30,Closed with monetary relief,Yes,Yes,CR2038664,11121
2016-07-30,Credit card,,Sale of account,,"My credit card account was transferred with no notification from FIA Card Services to XXXX XXXX. I received no notification of this other than receiving a new credit card in the mail. Both the old and new cards have Fidelity Investments printed on the front. The only notification of XXXX XXXX is in tiny print in the bottom left corner on the back of the new card. The new card has a chip so I believed this was just a replacement card for the new chip technology. However, my old credit card was actually canceled when the new card was activated. This caused several scheduled payments to fail. I 'm also not able to log into my old account online. When calling the customer service number for FIA Card Services, a recording states "" As a reminder, your account is now being serviced by XXXX XXXX. '' This is NOT a reminder, as I was never notified of the change. FIA Card Services failed their customers in not giving them adequate notification of this change so they could take appropriate action to avoid having the surprise, hassle and cost of failed payments. The CFPB needs to investigate and potentially fine both FIA and XXXX over this consumer fraud.",,Consent provided,Web,2016-07-30,Closed with explanation,Yes,No,CR2038387,1280
2016-07-30,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-08-03,Closed with monetary relief,Yes,Yes,CR2038608,4338
2016-07-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Servicemember,Consent not provided,Web,2016-07-30,Closed with explanation,Yes,No,CR2038551,7339
2016-07-30,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-07-30,Closed with monetary relief,Yes,No,CR2038458,2086
2016-07-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-30,Closed with explanation,Yes,No,CR2038628,1105
2016-07-30,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-07-30,Closed with explanation,Yes,No,CR2038670,3173
2016-07-29,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank 's claims department oversight and lack of supervision has repeatedly set me at a financial disadvantage. For instance, when merchants reimburse or refund before the temporary credit is applied. The bank overlooks these refunds and adds an additional credit leaving the client owing an excessive amount or having to pay back. This time the merchant reimbursed me on the XXXX of XXXX and EN ignored this transaction and applied the temporary credit after I was reimbursed. I was unaware until a reversal posted of XXXX. The bank tends to do this allot in my account and I am held liable on every transaction. Furthermore, the bank has a habit of extracting funds from a checking to put into my savings when funds are not available. This also leaves me at a defecit and fees are imposed.",,Consent provided,Web,2016-08-03,Closed with monetary relief,Yes,No,CR2036575,2794
2016-07-29,Bank account or service,Savings account,"Account opening, closing, or management",,"Hi I have been banking with BankOfAmerica for the last 6 years and recently opened a new savings account last week Saturday over the phone with a banker. The banker requested my debit card number so she could make the initial {$25.00} deposit to open my account and the banker debited from my account twice which I have attached proof. I alerted her to the XXXX transactions and was told that it 's not processing on her end but it may show up in about 3 business days so I was told to wait until Wednesday which would of been the third business day until the transaction was processed and if not to call back in, we then went through the online e-banking process and she helped me to set up an online account. Tuesday of the following week I transferred {$250.00} to bring my account to a XXXX minimum so the {$5.00} monthly fee would be waved, by Wednesday I signed into my other checking account which was used to debit the XXXX charges of {$25.00} each and I noticed my account was credited {$50.00} back so I called my bank and was told that either BankOfAmerica cancelled, rejected or their could of have been a merchant error in processing the XXXX fees and bankofamerica did not receive any money. I then decided to transfer back XXXX from my bank to bankofamerica so I could bring my account to an even {$300.00}. A while later I checked my account to see if the money was received and while trying to login I was given an error message and a number to call. I called and reached a very rude and inconsiderate account risk customer representative and was told my account was closed and there is nothing I can do about it. I asked why and was told BOFA had the right to close my account without my permission and I am BANNED from life from ever opening an account with BOFA, it was a business choice and I am welcome to bank with another bank but it 's a business decision that we no longer want you to bank with us. I was appalled, shocked and hurt. I have been banking with you guys for the last 6 years because you guys are the closest branch to where I live. I went to the bank later that day and was told they could do nothing for me and my money would be sent out in a check to my home, at this point I do n't know who to reach at this point and everyone has continuously transferred me to the account risk department to be told the same thing but no one as actually cared or concerned themselves to help me resolve an issue and at this point no one is giving me a chance and I 'm just being kicked out of BankOfAmerica and forced to open up an account with a new bank. I would really appreciate any help please.",,Consent provided,Web,2016-07-29,Closed with explanation,Yes,No,CR2037887,2274
2016-07-29,Bank account or service,Checking account,Deposits and withdrawals,,"I made a {$2000.00} deposit to one of my Eagle National Bank checking accounts on XXXX XXXX, 2016. I then had to transfer the money to another checking account to cover a payment and on XXXX XXXX, 2016 I mistakenly transferred the {$2000.00} to my credit card account ( giving me a negative balance on my credit card of {$1100.00} ). The mistake was very easy to make as the XXXX checking accounts and credit card account show up in the mobile app as though they were all similar accounts. When I realized the mistake I made, on XXXX XXXX, 2016 I pulled the {$1100.00} negative balance back out of my credit card account and transferred it to my checking account. Eagle National Bank charged me {$61.00} to pull my own money out of my credit card account and pass it to my checking account, claiming that it was a "" cash advance '' from my credit card. However, I was not using my credit card to finance anything, I was simply pulling my own money back out of my credit card account and transferring it to my checking account. After the transaction I had a {$0.00} balance on my credit card and did not take a cash advance. I called Eagle National Bank and tried to get my {$61.00} refunded. After an hour on the phone with them they refused to give me my money back.",,Consent provided,Web,2016-07-29,Closed with monetary relief,Yes,No,CR2034470,6033
2016-07-29,Bank account or service,Checking account,Problems caused by my funds being low,,"I spoke to the bank about geting some fees waived on my account, I spoke to someone over a chat and they had a manager call me. The manager advised me that he would be able to help me, and that he would make sure my account would decline every transaction moving forward if my account was overdrawn. None of what this individual told me happened. This occurred on XXXX/XXXX/XXXX. Back in XXXX XXXX I was given wrong information by both a branch manager and a customer service manager. I was unable to pay rent and was forced to sleep in my car due to the incorrect information provided, I was also advised all my fees would be waived in light of the "" miscommunication '' That did NOT happen. Every time i contact the bank I am talked down to, disrespected, not treated with dignity and lied to.",,Consent provided,Web,2016-07-29,Closed with monetary relief,Yes,No,CR2036752,13090
2016-07-29,Bank account or service,Checking account,Using a debit or ATM card,,"On Monday XX/XX/XXXX I noticed a charge when viewing my checking account online that I did not make it was for XXXX in the amount of {$96.00} and it was showing as processing. I called Eagle National Bank immediately to report it as a fraudulant charge. I spoke with a gentleman who stated the charge would no longer be on my account in 48-72 hours and he issued me a new debit card which he said I would receive in 5-7 business days. I checked my bank today XX/XX/XXXX and the charge had processed, I called Eagle National Bank again to report this issue and the first woman I spoke with had me on hold approximately 15 minutes while she looked into this and then told me she would need to transfer me to a different department. She transferred my call and I was then speaking with a woman named XXXX I gave all of my information to her all over again and she said it appeared that my claim had not been processed, and she needed to put me on hold to check if she could find the existing claim or needed to submit a new one, but instead my call was somehow transferred so I once again gave all of my information and explained the situation and explained that XXXX believed my claim had not been submitted as it should have, this woman stated that I just needed to wait to hear back from their fraud department, even though multiple times I tried to explain what XXXX had said about my claim not possibly being submitted. I asked to speak to a supervisor she told me that no one was available and that she could take my number and have someone call me back in 30-40 minutes it has been an hour and 20 minutes and I still have not received a call back from Eagle National Bank or a call from their fraud department. I ended up calling XXXX myself and explained the situation. They confirmed it was indeed a fraudulant charge and the item purchased for {$96.00} had been mailed to a Florida address, and I do not live in Florida or even know anyone there. She said she would be submitting the information to her fraud department and forwarding me the information I would need to file a police report. I want Eagle National Bank to refund the {$96.00} to my account as they initially stated they would.",,Consent provided,Web,2016-07-29,Closed with monetary relief,Yes,No,CR2035700,3177
2016-07-29,Credit card,,Closing/Cancelling account,,"I suddenly discovered that Eagle National Bank had closed out one of my credit card accounts after I had fully paid it off and the other XXXX credit cards the credit limit was reduced to the outstanding balance I still owed without my permission or knowledge and for no good cause. I 've had those accounts for several years and kept a loyal relationship with EN and slowly worked my way up. Since I was not properly informed by EN my credit card was closed out, I received a late fee charge on a bill I paid and the payment was rejected and had to pay the full outstanding amount in order to restore my service for a total of {$560.00}. I would like EN to reimburse me and to re-open my my credit card and restore the line of credit I had achieved on all my EN credit cards. Closing out my account and reducing my line of credit will affect my credit score and has affected me personally. I also filed an internal complaint with EN on XXXX XXXX & XXXX, 2016.",,Consent provided,Web,2016-07-29,Closed with explanation,Yes,No,CR2037571,2858
2016-07-29,Credit card,,APR or interest rate,,"I took advantage of a 0.00 % interest rate offer by my Eagle National Bank credit card. When I did so, I in effect was waving having my 30 day grace period for interest to be charged on new purchases. I always pay my balances in full to avoid interest rate fees. I can no longer do that with Eagle National Bank because I know have a 0.00 % promo in effect. What they do now is charge me interest based on the average daily balance, so no matter what I do I will be charged interest on new purchases. This was a classic bait and switch. It may have neen disclosed somewhere in small print on some XXXX page disclosure, but I was never made aware of this. XXXX XXXX and XXXX do not do this tactic when utilizing their promo offers. I will no longer use this Eagle National Bank card for any purchases after today. I will still be subject to the Avegare Daily Balance Interest on purchases to date. I want a full refund for these interest fees and I want this practice stopped. How many people and fees have they collected over the years pulling this bait and switch. This is criminal in my book. I had to wait on hold for close to 30 minutes to finally get an explanation from Eagle National Bank customer service. I have had this card since 1994 so I will not close the account, but I will use it at the bare minimum going forward from this day forward. I have no room for criminality.",,Consent provided,Web,2016-07-29,Closed with monetary relief,Yes,No,CR2037119,3109
2016-07-29,Credit card,,Advertising and marketing,,"On XXXX XXXX 2016 I again received marketing email from Eagle National Bank ( yes it is marketing despite what Eagle National Bank calls it ), with the subject "" Oh sn-app. Check it out. '' In my previous complaint about this to CFPB, dated XXXX/XXXX/2016, Eagle National Bank responded, "" we have determined that the email you are receiving regarding the mobile application is not considered solicitation. As an online banking user, Eagle National Bank considers the use of the mobile application as part of servicing our client 's needs. '' In their response, Eagle National Bank went on to say "" In consideration of your request, we have manually refused the option for the mobile application on your behalf on our system of record and this took place on XXXX XXXX, 2016, Please allow up to 48 business hours for the changes to be fully effective ''. However, on XXXX XXXX 2016, I again received this same junk/spam/garbage email with the subject "" Oh sn-app. Check it out. '' Perhaps Eagle National Bank has changed the definition of time itself. Their response was on XXXX/XXXX/2016. The next unwanted ( marketing ) email they sent me was on XXXX/XXXX/2016. Well let 's see - is the time difference between XXXX/XXXX/2016 and XXXX 2016 more than 48 hours? Apparently, for Eagle National Bank, this time difference is LESS than 48 hours. 
Eagle National Bank appears to be completely detached from what they say they are going to do to remedy my concerns, and what they actually do. Again, as I stated in my CFPB complaint dated XXXX/XXXX/2016, Eagle National Bank has changed the definition of marketing email. NO OTHER FINANCIAL INSTITUTION I HAVE DONE BUSINESS WITH IN THE PAST 15 YEARS HAS BEEN AS PERSISTENT IN THEIR PURSUIT OF SENDING UNWANTED ( MARKETING ) EMAIL AS Eagle National Bank. But Eagle National Bank, by unilaterally changing the definition of "" marketing '', continues to justify sending this junk/spam/garbage email. 
If a client has told Eagle National Bank they do not want this type of email, then obviously it does not meet their needs. I have told Eagle National Bank I do not want this email. Many, many times. For over 10 years I have told them this. But they continue to send this. 
So at best Eagle National Bank is full of themselves ( of course there is a better word than "" themselves '' that would describe what Eagle National Bank is, it starts with the letter 's ', but I want to keep this professional ). 
So for how many more years do I need to tell Eagle National Bank that I do not want this email that they are sending me? Is n't XXXX decade enough for Eagle National Bank to get the message? Obviously not. Eagle National Bank knows they can get away with this 's ', and as long as they know they can get away with it, they will continue to do it. I can only imagine how the people who lost so much money due to Eagle National Bank 's manipulations of the financial system over the past XXXX decades must feel.",,Consent provided,Web,2016-07-29,Closed with explanation,Yes,Yes,CR2037753,269
2016-07-29,Credit card,,Delinquent account,,"I set up a payment plan for my Target RedCard which would allow to pay the balance off over time without penalty. I made the first scheduled payment in XXXX and Target reported me delinquent before my XXXX payment was due. This mark is now on my credit report, Target did not live up to their end of the agreement.",,Consent provided,Web,2016-07-29,Closed with non-monetary relief,Yes,No,CR2037007,2603
2016-07-29,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-08-22,Closed with explanation,Yes,Yes,CR2037224,3907
2016-07-29,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2016-07-29,Closed with explanation,Yes,No,CR2034696,3997
2016-07-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-07-29,Closed with monetary relief,Yes,No,CR2037387,3418
2016-07-29,Credit card,,Other,,,Servicemember,Consent not provided,Web,2016-07-29,Closed with non-monetary relief,Yes,No,CR2036669,3456
2016-07-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-07-29,Closed with monetary relief,Yes,No,CR2037464,1517
2016-07-29,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-08-02,Closed with explanation,Yes,No,CR2037717,2869
2016-07-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have a checking and savings account with Eagle National Bank, my complaint is that every month they charge fees for every transaction I make when managing my bank account. I should be allowed to transfer money between my checking and savings at anytime I wish. The money typically stays within these accounts but having to worry about getting a fee for transferring my money from my checking account into my savings on a daily basis is outrageous",,Consent provided,Web,2016-07-28,Closed with explanation,Yes,No,CR2035687,141
2016-07-28,Bank account or service,Checking account,Deposits and withdrawals,,"In XXXX, I started to notice large sums of money was missing from my bank account. I would call and report it and some of the items were credited to my account. Then I noticed transactions performed that I never did and did n't even have a destination. Checks that were presented were returned allegedly and then I see that they cleared in my account. Deposits made did not reflect in the account and some deposits were made to appear as withdrawal transactions. It started to get worse in XXXX. I had no idea what was going on ad how they were doing this. I noticed several transactions electronically made to stop and shop. I called stop and shops corporate office and they told me no electronic transactions were made or returned. I called telecheck who clearly state to me "" it 's your bank ''. I then filed a police report with the local police who did nothing to investigate it. I was told all the transactions had been refunded. I made two deposits one day apart in the same amount of XXXX one of which was a check and another which was a check for XXXX and the rest in cash. These were funds from my home burning down and donations were collected. The cash deposit had disappeared and the check was put on hold, cleared the hold and then a check came in and they still returned it. I went to close the account and was told by the branch manager it was closed. They then put through the same check again overdrawing my account and taking my XXXX XXXX payments for me and my children. I was told everything was to be credited. In XXXX I was told they were going to close the account. That was fine because I already did. Meanwhile they opened anther account performing erroneous transactions. There were transactions made when at ATM 's when I did n't even have a debit card because the ATM machine took it. I contacted the corporate headquarters numerous times speaking with XXXX XXXX a customer advocate who was of no assistance she would not return the missing money. It is thousands on top of thousands saved during my 9 month trial work period. I recently ordered my statements again to see what the transactions were reporting as and they are all totally different from the original statements. All of the money refunded was taken back. The other account they opened they sent a letter saying they could n't find the other account information. Eagle National Bank legitimately stole a XXXX single mothers savings!!",,Consent provided,Web,2016-07-28,Closed,Yes,Yes,CR2035946,2869
2016-07-28,Bank account or service,Checking account,Problems caused by my funds being low,,"my name is XXXX XXXX, I had a payday loan in 2011. I had an ach debit account through Eagle National Bank, I ask Eagle National Bank to close the account and they did so, but they allow the payday loan people to continue to try to debit my account which was inactive. so they keep charging me overdraft fees for monies that was not in the account XXXX worth of fees now they have reported my name to XXXX and I can not open up an account, this is unfair, I need help",Older American,Consent provided,Web,2016-07-28,Closed with monetary relief,Yes,No,CR2032464,2834
2016-07-28,Credit card,,Other,,"Eagle National Bank 's credit card processing organization processed a payment from my Eagle National Bank account to make a payment to my XXXX XXXX account on XXXX XXXX. Eagle National Bank lost the payment. I initiated an investigation into the payment that Eagle National Bank lost on XXXX XXXX and was assured, by Eagle National Bank, they would resolve the issue and find the payment they themselves processed. Meanwhile, on XXXX XXXX, the credit card servicing business transitioned to a new provider. As of today, XXXX XXXX, according to XXXX XXXX, the Eagle National Bank rep with whom I spoke, Eagle National Bank : ( a ) refuses to take responsibility for the payment they lost ; and ( b ) refuses to investigate the payment they lost. Eagle National Bank appears to be angry at losing the Fidelity card processing business and now refuses any responsibility for the payment they lost.",,Consent provided,Web,2016-09-06,Closed with explanation,Yes,No,CR2035302,278
2016-07-28,Credit card,,Other,,"I need your assistance in helping me to the Eagle National Bank account removed from my credit file. This account was originally opened by me but since the account was opened, I lost my wallet and many of my opened accounts was compromised. I have informed my creditors that my account was compromised. So, this account should be removed due to fraudulent activities.",,Consent provided,Web,2016-07-28,Closed with explanation,Yes,Yes,CR2036185,4916
2016-07-28,Credit card,,Credit determination,,"I recently applied for a XXXX credit card with Eagle National Bank, and it was not approved. The letter I received said "" we were unable to approve the [ card ] you requested because the amount of credit extended to you by us and/or our affiliates is adequate. '' Since I did not have an interest in increasing the total amount of credit I had with Eagle National Bank, but only in getting this credit card, I called Eagle National Bank to ask if they could transfer some of my existing credit to the new card. I was told they could not, because the OCC does n't allow graduate students to have more than XXXX cards ( I think the implication was : does n't allow graduate students to have more than XXXX cards with the same lender ). I told Eagle National Bank that I had previously talked with a Eagle National Bank representative to specifically ask if having XXXX existing cards would prevent me from getting a XXXX card, and that the representative I talked with said that Eagle National Bank does not have any policy that would specifically limit me to XXXX cards. The phone representative responded to this by saying that Eagle National Bank does not have this policy, but that they are bound by the OCC policy. 

I asked the Eagle National Bank representative if they could direct me to the OCC policy, but they said that they could not find it. However, they told me that it did exist and that I should be able to find it by googling, and that the only way for me to get the new card I wanted was to cancel one of my existing cards. I was unhappy about this, because the existing card I needed to cancel ( the one I was no longer using ) was my oldest line of credit, and I was concerned that it could hurt my credit rating. But the representative told me that canceling a card was my only option, so I eventually agreed. 

I have talked with Eagle National Bank twice ( once by phone and once by chat ), and they have told me that they could not direct me to the OCC regulation, but that it does exist and apply to me. They suggested that I contact XXXX and the OCC if I wanted to see the regulation, but that I definitely needed to cancel my existing card to get the new card. I have since followed up with XXXX and the OCC, but both told me they could not help me. I also called CFPB, and the person on the phone could not find the regulation. 

Therefore, I am filing this complaint, because I feel that I may have been coerced into canceling my oldest credit card by being told that a regulation existed and applied to me, when I have so far not been able to find any evidence that it exists and applies to me. The primary resolution I am looking for is for evidence that this regulation does exist and does apply to me. If it does not exist or does not apply to me, that suggests that Eagle National Bank coerced me into doing something that has negative financial repercussions for me by telling me something that was n't true.",,Consent provided,Web,2016-07-28,Closed with explanation,Yes,No,CR2034831,4628
2016-07-28,Credit card,,Identity theft / Fraud / Embezzlement,,"My debit card was compromised, I believe as part of a card skimming scam, and a {$160.00} charge was made at an XXXX car rental facility.",,Consent provided,Web,2016-07-28,Closed with explanation,Yes,No,CR2035799,4132
2016-07-28,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-07-28,Closed with explanation,Yes,No,CR2033736,1724
2016-07-28,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-07-28,Closed with explanation,Yes,Yes,CR2034254,5337
2016-07-28,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-07-28,Closed with explanation,Yes,No,CR2033365,1204
2016-07-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-07-28,Closed with explanation,Yes,No,CR2034999,2743
2016-07-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"A criminal used a Eagle National Bank account to steal {$86000.00} from me which is most of my life savings. This happened on XX/XX/XXXX. 

On XXXX XXXX 2016, I wired {$86000.00} per wire instructions emailed to me by attorney XXXX XXXX XXXX XXXX of XXXX in XXXX XXXX, Florida. These funds were the balance to close on my purchase of a condominium and I had hired XXXX XXXX and XXXX XXXX to handle the closing. As arranged with XXXX XXXX, I arrived at her office on XXXX XXXX 2016 to complete the closing and XXXX XXXX met me at the door asking if I had wired the funds to close. I informed her I had and XXXX XXXX stated to me that she must have been hacked because she did n't have the funds. 

From XXXX XXXX to XXXX XXXX 2016, XXXX XXXX and I and XXXX XXXX XXXX who worked at XXXX XXXX ( but was fired by XXXX XXXX on or about XXXX XXXX 2016 ) exchanged 34 emails between my email address XXXXXXXXXXXX and XXXX XXXX XXXX email address XXXXXXXXXXXX ( atch XXXX & XXXX ). XXXX XXXX was aware we had a closing upcoming and our communications were almost entirely by email including HUD-1, HOA screening, price for title agency fees, etc, so my receiving XXXX XXXX 's wire instructions via their company email account was nothing out of the ordinary. 

The account on the wire instructions emailed to me by XXXX XXXX was Eagle National Bank account "" XXXX XXXX XXXX & XXXX XXXX '' ; address listed of the account on the wire instructions was XXXX XXXX 's and attorney XXXX XXXX XXXX physical business address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ; ABA # XXXX ; Account # XXXX ( atch XXXX ). 

I received these wire instructions by email from XXXXXXXXXXXX on XXXX XXXX 2016 and my closing date was scheduled for XXXX XXXX 2016. I followed these wire instructions and phoned XXXX and processed the wire transaction from my checking account which I specifically set-up at XXXX in order to process an immediate wire transfer ( up till then I only had a brokerage account with XXXX ). 

On XX/XX/2016, XXXX XXXX and I reported the incident to the local police station ( atch XXXX ). XXXX XXXX Police Detective Blemur, ( XXXX ) XXXX XXXX advises he has subpoenaed the Eagle National Bank `` XXXX XXXX XXXX & XXXX XXXX '' account to determine account owner ( s ) ; but receiving these records, det. XXXX advises can take up to 6 weeks. 

On XXXX XXXX 2016 I also placed a wire recall request at XXXX. On XXXX XXXX 2016, XXXX CEO Office, XXXX XXXX ( XXXX ) XXXX phoned me to advise the recall was unsuccessful meaning the Eagle National Bank recipient "" XXXX XXXX XXXX & XXXX XXXX '' either did not authorize the release of the funds back to XXXX ; funds no longer available ; or the account had been closed. XXXX advised me they are continuing to investigate and will try to recover any residual funds in the Eagle National Bank account and that this can take another 30 to 60 days. 

I would like the CFPB to please investigate how Eagle National Bank can function with criminals opening and using bank accounts to steal the hard-earned life savings of Americans and then disappear. 

atch XXXX. Wire instructions from XXXX XXXX atch XXXX. Emails sent to me by XXXX XXXX including wire instructions atch XXXX. Emails sent by me to XXXX XXXX atch XXXX. Police Report",Servicemember,Consent provided,Web,2016-07-27,Closed with explanation,Yes,No,CR2032733,3226
2016-07-27,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"After I file the complaint Case number : XXXX, EN customer resolution who named XXXX gave me a call and leave a voicemail. I has returned her phone call and leave XXXX voicemails ; however, I still received no response from EN. In addition, EN still not response the request from the state of Illinois. However, EN has charged me the overdraft fees because checks paid prior the freeze my fund.",,Consent provided,Web,2016-07-27,Closed with monetary relief,Yes,No,CR2032656,2188
2016-07-27,Bank account or service,Checking account,Problems caused by my funds being low,,Eagle National Bank is doing it to me again. I told them I 'm on a very fixed income and they still take an overdraft fee every 5 days. I want this money returned to me immediately.,Older American,Consent provided,Web,2016-07-27,Closed with monetary relief,Yes,No,CR2031264,576
2016-07-27,Bank account or service,Checking account,Problems caused by my funds being low,,"I was checking my bank account to see if my check was posted on Monday, throughout the day it appeared that I had plenty of funds. The next day, I checked my account and the check was listed as posted the day before, and a XXXX dollar fee was assessed by Eagle National Bank. I spoke to them via chat function and they stated that they let the check go through and assessed the fee. They would not refund the fee as they state that the check. was posted on the day before ( even though it did not appear on my online banking app )",,Consent provided,Web,2016-07-27,Closed with monetary relief,Yes,No,CR2031512,4303
2016-07-27,Credit card,,APR or interest rate,,"Eagle National Bank has a practice with their credit cards and balance transfers that is highly deceptive and borders on fraud. 

I transferred a balance from a non-EN card to a EN MasterCard. The balance transfer offer from EN was for 0 % interest through XXXX, 2017, with an up-front 4 % balance transfer fee. However, I just learned that their policy is to apply your entire minimum monthly payments, 100 % of those payments, to the balance with the lowest APR, which will naturally be the transfer balance. This effectively eliminates any value from the transfer, while they charge 4 % for the privilege. A consumer 's entire monthly minimum payments go first to pay down a 0 % balance transfer balance offer that he just executed. There really is no guaranteed 1-year, 0 % interest transfer period, as they represent in their promotions. 

As an example, you can transfer {$1000.00} to a EN card with a 1-year 0 % interest offer ( good until XX/XX/2017 ). If your monthly payment is {$300.00}, the balance subject to this 0 %, 1 year promotional offer is actually paid off in 4 months, while your other balances continue to earn 13+ % for EN. In effect, all of you monthly payment goes to pay down the 0 % balance transfer balance while your balances subject to interest are not paid down at all! So there 's really no value to the balance transfer and EN charges a 4 % fee for this privilege! In reality, the consumer is probably losing money on the balance transfer - from the initial 4 % fee, from the deceptive 1-year "" value '' of the 0 % offer, and from the fact that if the consumer transfers a balance, that 0 % balance is paid off first with all of their monthly payment, while other interest carrying balances get no allocation and earn EN even more money! 

I know that I can walk with my money, but this borders on outright fraud. At a minimum it is a highly deceptive consumer business practice. Most consumers would not even check their statement, assuming that the balance they just transferred would remain at 0 % until the one year offer period expired. That 's where the deception and fraud in advertising arises. They also rightly assume that their monthly payments would be going to pay down balances subject to regular interest rates, at least in some proportion. But that 's definitely not the case. 

It 's like making you pay for an ice cream, which looks really good and worth the small charge. Then they just eat it all themselves in a few big bites! 

Thank you for your attention to this matter. The consumer really needs protection from this fraud.",,Consent provided,Web,2016-07-27,Closed with explanation,Yes,Yes,CR2033289,4152
2016-07-27,Credit card,,Billing disputes,,"Complaint Against : Eagle National Bank Eagle National Bank Corporate Center, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear Sir / Madam, I am writing to make a complaint against the above mentioned financial institution. 
I did inform the bank that I did not authorized the transaction for the amount of {$150.00} ( dated XXXX/XXXX/2016 ) because I cancelled the service with the merchant ( XXXX ) on XXXX/XXXX/2016 and requested from the merchant to refund the transaction for the amount of {$1800.00} ( dated XXXX/XXXX/2016 ). However, the merchant continues to charge my card on XXXX/XXXX/2016 the amount of {$150.00} without my authorization. On XXXX XXXX, 2016 ; I filed disputes for both transactions with the bank. On XXXX XXXX 2016 ; the bank issued a credit for both transactions. On XXXX XXXX, 2016 ; the bank debit my account back with both transactions as fees. 
The bank is refusing to assist me in recovering the money for the XXXX transaction below. I would appreciate your assistance in helping me recover a full refund for XXXX transactions. Thank you, Your time and consideration are greatly appreciated. Thank you, Respectfully, XXXX XXXX XXXX 

Transaction details Account nickname Bank Americard Platinum Plus Visa - XXXX Account type BankAmericard Platinum Plus Visa Account number XXXX Transaction description XXXX Posting date XXXX/XXXX/2016 Transaction date XXXX/XXXX/2016 Reference number XXXX Amount {$1800.00} XXXX 
Transaction details Account nickname BankAmericard Platinum Plus Visa - XXXX Account type BankAmericard Platinum Plus Visa Account number XXXX Transaction description XXXX Posting date XXXX/XXXX/2016 Transaction da XXXX/XXXX/2016 Reference number XXXX Amount {$150.00} XXXX",,Consent provided,Web,2016-07-27,Closed with explanation,Yes,Yes,CR2031670,1582
2016-07-27,Credit card,,Billing disputes,,"My complaint is with Eagle National Bank. My statement dated XXXX stated I owed a total balance of {$48.00}, which was due by XXXX/XXXX/XX/XX/XXXX I paid {$48.00} on XXXX/XXXXXX/XX/XXXX. On my next statement, which Eagle National Bank did not send me, they charged me a {$1.00} minimum interest charge even though my ending balance was {$0.00}. So when they actually did send me my statement dated XXXX, they charged my account another minimum interest charge of {$1.00}, a 100 % interest rate. Since I made a {$130.00} purchase on XXXX/XXXXXXXX, Eagle National Bank is saying that I owe {$130.00} + XXXX + XXXX + XXXX = {$130.00}! I called their customer service department to ask for an explanation and get the fees waived. They said interest is charged in arrears. I argued that I paid the entire balance off by the due date and that interest should not be charged. Also, they charged 100 % interest on an initial "" hidden '' interest charge. I asked for the fees to be waived. They said they could not waive any charges because there is a past due amount. I argued that there is not any past due amount and that the only reason their erroneous accounting says there is is because they hide {$1.00} minimum interest fees. Also, they said that even if I paid the total amount due today that I would still owe another {$1.00} interest payment next month. I can not even close this account because of a balance owed and Eagle National Bank will not allow me to have a {$0.00} balance for 60 days!",,Consent provided,Web,2016-07-27,Closed with explanation,Yes,No,CR2033270,4174
2016-07-27,Credit card,,Advertising and marketing,,"Recently I was flying Spirit Airlines and they were advertising their Spirit Mastercard from Eagle National Bank. The advertisement goes like this : Upon receiving the Spirit Mastercard, customers will receive XXXX Spirit miles after first purchase, regardless of the purchase amount. According to Spirit agents, XXXX Spirit miles is good for most XXXX flight tickets since their trip can be booked at XXXX miles/ticket. I wholeheartedly trusted their advertisement and submitted my application for a Spirit Mastercard although I have more than XXXX credit cards at that time because I was incentivized by their offer. However, after receiving my Spirit Mastercard from Eagle National Bank, I started to look for flights I can book with my Spirit miles. After a thorough search of Spirit reward travel, I found about 90 % of my search results in reward travel requires XXXX miles per trip plus fees, and the remaining XXXX % results in reward travel requires XXXX miles per trip plus fees, which is XXXX and XXXX more than what Spirit had advertised. I am extremely disappointed by the way Spirit and Eagle National Bank had advertised this credit card, and I felt victimized by their false advertisement. I am formally exercising my right as a consumer and seeking help from Consumer Financial Protection Bureau to thoroughly investigate this issue and have Spirit and Eagle National Bank properly compensate the damages they have done to their consumers, including me.",,Consent provided,Web,2016-07-27,Closed with explanation,Yes,No,CR2031579,1011
2016-07-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,"After my mother passed away in XXXX, 2016 I received XXXX from her will. I asked my accountant what he thought I should do with it. He recommended that I should put it into tax free municipal funds. The XXXX was initially put into my checking account at Eagle National Bank. I went into a Eagle National Bank branch and a customer service representative told me that he could help me with tax free mutual funds. He ended up putting {$180000.00} not {$190000.00} into a life insurance product from XXXX XXXX XXXX. He got my signature on pages that were misrepresented as tax free mutual funds. I returned to the same Eagle National Bank branch and found that that same representative no longer worked there. I went to the branch because I needed some funds for medical expenses ( I have XXXX XXXX ) and educational expenses for my son in college. I found out that I do n't have any tax free mutual funds but an insurance policy. I believe that I was given the wrong information by Eagle National Bank and lost XXXX to a product that was misrepresented.",Older American,Consent provided,Web,2016-07-29,Closed with non-monetary relief,Yes,Yes,CR2032380,831
2016-07-27,Bank account or service,Checking account,Problems caused by my funds being low,,"I have had an account with Eagle National Bank for less than 90 days and I have received over XXXX dollars in overdraft fees even when I 'm not using my card. I hate this bank. Everyone I go to the bank off XXXX XXXX in XXXX, I ca n't get a manager. This is the most unprofessional business I have ever come accross. SHUT THEM DOWN",,Consent provided,Web,2016-07-29,Closed with explanation,Yes,No,CR2032352,6183
2016-07-27,Credit card,,Late fee,,"Recently, Target replaced my existing credit cards with new cards. Upon receipt of the new cards, I registered them in accordance with Target 's instructions. When I attempted to use the referenced card at our local Target, it was rejected. 

I contacted Target and was informed that my account was "" Past-Due ''. I travel frequently, unable to receive mail, and must manage my Target Account online. According to the Target Website, my account was always current and "" Auto-Pay '' was active. 

I called "" XXXX '' at Target and she updated my Target Online Account, which now shows XXXX "" Late-Payment-Fees '' of {$27.00} and {$37.00} on XXXX XXXX and XXXX XXXX XXXX, respectively. 

As I never received a paper bill and the Target Website always showed that my account was current and "" Auto-Pay '' active, I dispute the "" Late-Payment-Fees '' reflected on the attached printout and request that they be credited to my Target Account. I have always dealt with Target in Good-Faith and request that Target do the same. 

Your assistance in this matter is appreciated.","Older American, Servicemember",Consent provided,Web,2016-07-27,Closed with monetary relief,Yes,No,CR2032870,11709
2016-07-27,Credit card,,Credit card protection / Debt protection,,"While reviewing my Target credit card ( Master Card ) account online on XXXX/XXXX/16 I 've noticed that fraudulent transactions. I called the Target Card Customer Service immediately. I was advised that my card must have been compromised and it was going to be blocked. A new card will be sent to me. In order to remove the fraudulent transactions I need to complete the Fraud Affidavit and send it back to Target Customer Service. A blank copy of which was sent to me via email shortly following the conversation. I was n't made aware that I was going to lose access to my online banking as well. While trying to complete the Affidavit later that day I 've realized that I need to further review my account history, and provide details about transactions. To my big surprise, access to my online banking was denied ( after first try of logging in ) and or blocked with a message saying that I need to contact the customer support. I called immediately. I was advised that since there was fraudulent activity reported on my account they had to block my access until I receive a new card. I do not receive paper statements, therefore the only way I can see the account history and transactions is to go online. Target requires the Affidavit to be completed with the information about transactions including dates, amounts and merchants ' names. It takes 10 days to receive a new card. I 've asked if my username can be restored, and was told by the representative that it 's impossible. I asked if the account history can be emailed to me or sent via regular mail, and that was n't possible for security reasons. They only thing the representative was able to do is to provide me verbally over the phone the details about transactions that I remembered could be fraudulent. Target would not allow me to review the account history to insure that I am listing all transactions that I need to dispute as not conducted by me.",,Consent provided,Web,2016-07-27,Closed with explanation,Yes,No,CR2033888,3269
2016-07-27,Credit card,,Other,,,,Consent not provided,Web,2016-07-29,Closed with non-monetary relief,Yes,No,CR2029818,4969
2016-07-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-07-27,Closed with explanation,Yes,No,CR2034171,1450
2016-07-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-07-27,Closed with monetary relief,Yes,No,CR2033962,3642
2016-07-27,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-07-27,Closed with explanation,Yes,No,CR2033675,1522
2016-07-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-27,Closed with explanation,Yes,No,CR2032337,1095
2016-07-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-27,Closed with explanation,Yes,No,CR2032779,3536
2016-07-26,Bank account or service,Other bank product/service,Problems caused by my funds being low,,Eagle National Bank took my business account overdraft protection off line. Allowed the fines to build up to a point with their trouble and then filled a collections agonist me. I had no idea I owed them money. I am an elder citizen and feel they have unjustly ripped me off. I 've been with them for 25 years and they have cheated me. Some rob you with a gun some with a fountain pen.,"Older American, Servicemember",Consent provided,Web,2016-07-26,Closed with monetary relief,Yes,No,CR2030709,4745
2016-07-26,Bank account or service,Checking account,Using a debit or ATM card,,"Dear XXXX, From XXXX XXXX until XXXX XXXX of the present year, I was a victim of fraud ( almost the amount of {$1000.00} ) because someone duplicated my card. I have been in touch with Eagle National Bank since XXXX XXXX, 2016. They made a mistake regarding the specific fraudulent transactions, and I had to fax them ( twice ) the corrected list after carefully reviewing and speaking with an account supervisor for almost three hours over the phone. As of today, I have spoken with numerous agents of Eagle National Bank, including XXXX account supervisors and an account manager. The bank refuses to reimburse me the stolen funds on the basis that "" it does not look like fraud. '' They said over the phone that they denied my claim because ( 1 ) the transactions happened where I live ; ( 2 ) I said I had the card with me at all times, ( 3 ) I said my boyfriend used my card in the past ; ( 4 ) the transactions happened in a period of one week ; ( 5 ) the criminal stopped using the duplicated card when it was restricted ; ( 6 ) I checked my online banking while this was happening. Regardless of the excuses the bank has used to deny my claim, I contend that I did not perform those transactions, neither anyone I know. I was a victim of fraud, and the Bank does not want to take responsibility and give me the stolen money from my debit card/checking account. I am a full time worker, and a part-time student. I struggle to pay for college and living expenses. The monies stolen from me through Eagle National Bank have caused me additional financial loss as I have had to pay for overdraft fees and the like as they left me with {$14.00}. The last thing that Eagle National Bank told me, and that was last week, was that they denied my claim because I did not include evidence of who the criminal was along with the fax I sent them with the corrected list of fraudulent activities. I am attaching the following : - Call log to EN from XXXX to XXXX - Employment verification letter and emails confirming exact hours of employment showing that I was in fact working when many transactions were occurring. 
- Last fax sent to EN, which includes the confirmation of a fax previously sent to them ( which they said was never received ), a police incident report, the list of transactions with dates and times as provided by EN Account Supervisor, and the bank statement with the transactions highlighted. 
- Mail received from EN. 


Thank you for your attention. 

XXXX XXXX. 
XXXX XXXX XXXX XXXX",,Consent provided,Web,2016-07-26,Closed with monetary relief,Yes,No,CR2031591,1636
2016-07-26,Bank account or service,Checking account,Deposits and withdrawals,,"I realized starting XX/XX/2015 that it seemed like I did n't have as much money as I had put in my Eagle National Bank Checking account. By XX/XX/XXXX, I was unable to pay my bills even though I was working full time, and I was forced to take a loan out. At that point, the loan seemed to disappear. There were a few transactions that were n't mine, but not enough to equal to what was missing. I printed out my bank statements and realized that what I purchased was {$5100.00} less than what came out of the account. That was in XX/XX/XXXX. It seems like every time I buy something, double that amount comes out of the account. 
I have called Eagle National Bank repeatedly and they wo n't do anything about it. 
I have lost my house, was forced to move away from my family, and have defaulted on all my bills due to this problem. I have serious health issues that are going untreated at this time. 
Someone I knew told me that they heard that people were stealing money out of the account in XXXX XXXX, and Eagle National Bank has a picture of a person attempting to make a withdrawal out of my account for {$800.00} XX/XX/2015. I know this because they called and asked me to approve the transaction, and I told Eagle National Bank it was n't me. This happened where I lived, in XXXX, CA. 
Eagle National Bank told me I did n't have to do anything and they would take care of it. I continued to have theft on my account and when I finally asked them about what there investigation had turned up, they would not give me a photo of the person. They told me they were not allowed to and I should have made a police report at the time if I wanted the photo. But I was not told to make a police report to get the photo of the person at the time of the incident. They told me I would have a name as soon as they did. 
Due to Eagle National Bank 's actions, my life is ruined. My credit is in shambles and my health is deteriorating. I have tried to make police reports but due to Eagle National Bank 's actions, the police say I have nothing to report. Everything was take from me and Eagle National Bank is complacent in it.",,Consent provided,Web,2016-07-26,Closed with explanation,Yes,No,CR2029974,2761
2016-07-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,When I was obtaining a Home Equity Line of Credit from Eagle National Bank I was XXXX that the prepayment penalty would be waived if I opened a new line of Credit on another home. Now they say the fees can not be waived.,,Consent provided,Web,2016-07-28,Closed with explanation,Yes,No,CR2031803,2778
2016-07-26,Credit card,,Closing/Cancelling account,,"For the past year or so I have had a AAA/Eagle National Bank Rewards XXXX card. Recently, since I was overwhelmed by credit card payments, I made a loan against my retirement account and paid off my BofA card. The day after that, I went in to see whether the payment was recorded, and could not log in. When I phoned them, they told me they had closed my account due to payment history of not paying my minimum payments. I had not been able to set up online bill-pay with them because I did not have a Eagle National Bank bank account, and they kept telling me I needed to submit signed affidavits from my bank that my business bank account ( which is IN my name ) was really my account. So online banking never happened. So I was reliant on payments in person - and sometimes I could n't get to the bank on time so my payment was 1, 2 or 3 days late. That is their rationale for closing my account. I am most concerned about my credit history showing that despite paying off my balance to Eagle National Bank, the account was closed involuntarily the day afterward. I was going to cut up the cards anyway, but the fact is this will worsen my credit, and I would like to stop that from happening if I can.",,Consent provided,Web,2016-07-26,Closed with monetary relief,Yes,No,CR2031127,4747
2016-07-26,Credit card,,Cash advance,,"Hi, I have received a cash advance offer from Eagle National Bank for 18 months with 0 % interest with 4 % advance fee. So I took advantage of this offer and call the bank, I asked them how much I can borrow without affecting my credit score? Their answer was I can borrow up to the full amount without mentioning the effect on my credit score. So I borrowed 90 % or {$40000.00}. and I paid {$1600.00}. fee. I noticed my credit score was dropping since then. Although it was my decision to borrow based on their offer but I believe the banks should inform their clients that borrowing money may affect their credit, or to get advice from credit bureaus before borrowing. 
Now to regain my credit score I have to pay back the bank which it cost me {$1600.00} for 4 months instead of 18 months. I requested to pay back their money and they reduce their fee but they have rejected that. ( B of A case # XXXX ) I consider this offers as a public fraud since this sales only based on their sales without considering if that has a negative effect to their client 's financial. This is the same thing they have done on refinance houses prior to 2008.",,Consent provided,Web,2016-07-26,Closed with explanation,Yes,No,CR2031027,6829
2016-07-26,Credit card,,Transaction issue,,"The Eagle National Bank applied my lump-sum payment to the lowest interested balance rather than paying the highest one. Is n't that a law that credit card co. has to pay highest interest first? 
I had XXXX balances that the promotional rate will be ending at same date on XXXX/XXXX/2016 On XXXX/XXXX/2016, I paid {$4000.00} toward ( I thought, ) soon will go up to 15.24 % ( balance {$4000.00} ) But BA applied it to the another balance that would go up to 7.49 % ( balance was {$5100.00} ) * And the balance of 15.24 % of {$4.00} ( XXXX 2016 ) was increased to XXXX ( XXXX 2016 ). {$5.00} more without the cause! Why? Reps could not explain to me about all these.",,Consent provided,Web,2016-07-26,Closed with monetary relief,Yes,No,CR2031541,2933
2016-07-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-26,Closed with monetary relief,Yes,No,CR2027915,1072
2016-07-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-27,Closed with explanation,Yes,No,CR2029431,3798
2016-07-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-26,Closed with explanation,Yes,No,CR2030464,2795
2016-07-26,Bank account or service,Checking account,Deposits and withdrawals,,,,Other,Web,2016-07-26,Closed with explanation,Yes,No,CR2031357,3322
2016-07-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-26,Closed with explanation,Yes,No,CR2027903,3289
2016-07-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-26,Closed with explanation,Yes,No,CR2030895,3822
2016-07-25,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank had changed the term of my checking account to add a monthly fee for my account in 2015. After I had many weeks of disputes with them and finally contacted the CFPB when they charged not only the fee, but also an overdraft fee to my account. Subsequent to that discussion, BofA contacted me and told me the fee would be waived. They 've resumed charging the fee again this XXXX and have continued after I started putting direct deposits greater than the XXXX minimum limit previously set, and I 've now noticed that they 've set the requirement to greater than {$250.00} in one direct deposit. This practice is unclear and clearly intended to mislead consumers.",,Consent provided,Web,2016-07-25,Closed with explanation,Yes,No,CR2027505,3118
2016-07-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I went to the Eagle National Bank on XXXX XXXX XXXX in XXXX GA on XXXX/XXXX/16 i in the afternoon when everyone in the bank started to XXXX.I complained to the manager that they was a problem.The bank was evacuated after about 30mins and people people started to XXXX vigorously outside and paramedics and police were called in. 
I left to go home only to end up in the emergency where I was given a XXXX and told to get a prescribtion.I got a bill from the hospital which I took to the bank and I was given a number to call and I did but they told me the manager had to make a complaint I went back to the manager who told me to go call the number I called XXXX XXXX who told me to call your agency.I want my bill paid and also a settlement for suffering and XXXX.",,Consent provided,Web,2016-07-25,Closed with explanation,Yes,No,CR2027195,1268
2016-07-25,Bank account or service,Savings account,Deposits and withdrawals,,"My mother opened an account at Eagle National Bank ( EN ) several years ago for the sole purpose of being sure she had enough money for her eventual burial expenses. She opened the account as a 'Payable on Death ' ( POD ) account in her name, my name and my XXXX brothers name. She passed away on XXXX XXXX of this year. 
On XXXX XXXX I visited the EN branch were the account was originally set up. I presented my identification, a recent EN account statement, and a copy of my mother 's death certificate issued by the state of Illinois. Rather than distribute the funds to me, EN provided me a form which stated they would contact me by XXXX XXXX! You can imagine the embarrassment we experienced when we had to request the funeral home to provide us extra time to pay the funeral expenses. 
This seems not only unfair to my brothers and myself, but it seems that EN deceived my mother when she set up this account. She did this for our benefit. If she had known that POD does not actually mean payable on death to EN, she never would have set up this account. 
EN has had the advantage of being able to make money from this deposit account for the last 10 years. This has caused immeasurable harm to our family.",,Consent provided,Web,2016-07-25,Closed with explanation,Yes,Yes,CR2027554,4585
2016-07-25,Bank account or service,Checking account,Problems caused by my funds being low,,"On the morning of Friday XXXX XXXX, 2016, as my morning routine I check my bank accounts that I currently have with Eagle National Bank, which were joint accounts with my fianc. I noticed that {$1000.00} in our joint checking account was gone. The XXXX checks which I paid to our insurance bounced, and the balance was negative plus XXXX of {$35.00} returned item fee. The amount {$1000.00} went to legal order, XXXX. I then look at our joint saving account, and the amount of {$4600.00} was gone to legal order, XXXX. In addition, there was a fee of {$120.00} charged to the account. I immediately contacted Eagle National Bank customer service at XXXX and the associate give me a telephone number which started with XXXX. I dial the number. Turned out it was Illinois XXXX. My fianc is currently paying for child support. He is compliance with the court order ; however, prior to court order, he did volunteer pay the child support. When XXXX parties agreed with the child support, each month he did pay extra to make up for the different amount between his calculation and the state calculation. So, I told my fianc the story and asked him to call the XXXX phone number that the bank gave me. He had a conversation with XXXX who work as case officer with the XXXX Accord to XXXX, the Illinois XXXX sent the document to bank to confirm if this is joint account in the XXXX of XXXX, and the bank received on XXXX XXXX. However, Eagle National Bank did not response to their request instead Eagle National Bank freezed my assets. After the guidance from XXXX, we called Eagle National Bank customer service number. They gave us XXXX phone number which was legal department. The associate said they received something on the XXXX, and then she said the bank did n't received anything. We asked them to responded to request from the XXXX request. The associate said that tell them to send the document again. We then gathered three months of bank statements which proved that this is joint account and fax to XXXX. They received and put under review. However, they resent another request to the bank. Today, we called XXXX to follow up on our case, and they still have not received any response from Eagle National Bank. We called Eagle National Bank XXXX XXXX XXXX, XXXX was transferred my fianc back to general service line after 30 minutes of waiting. According to XXXX they just want to confirm if this is joint account and the fund should be released back to me. They mentioned that Eagle National Bank has an history of notoriously not responded very quickly. Please keep in mind while the bank received the document, we have n't received any noticed from the State of Illinois XXXX While we were on the phone with the associate at XXXX on Friday, we requested a copy of the lien. So we can proof that we are not owed as much as they think.",,Consent provided,Web,2016-07-25,Closed with monetary relief,Yes,No,CR2028767,4068
2016-07-25,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX I closed my Eagle National Bank merchant account for my XXXX, XXXX XXXX, at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, XXXX XXXX to open XXXX with a better % at XXXX, and XXXX XXXX their merchant processor in XXXX. I openned a commerical account with XXXX and that was my account. At somepoint, EN allowed another merchant account to be established at my location, with fake paperwork assuming another enterprise, XXXX XXXX and allowed my old merchant account to be active without my knowledge. I closed my XXXX account on XXXX XXXX, 2015 to re-open another EN account, ending in XXXX, XXXX, # XXXX at my home with their small business banker, XXXX XXXX. They allowed another merchant account to be opened and did not tell me my old checking account and my old merchant account were active, My XXXX manager was shedding all paperwork that arrived at the bar. My bookkeeper was also aware of this account still being open. I paid XXXX XXXX, my bookkeeping firm over {$60000.00} over the years to manage my day-to-day transactional accounting. This aggregeous act has cost me my business of 14 years, more than {$300000.00} in missed earnings from the sale of XXXX products, my business credit ( XXXX XXXX XXXX was XXXX prior and is now a XXXX, negative based on this fraudulent company that shares the same name, openned in XXXX XXXX area with an XXXX of # XXXX, and my business name : XXXX XXXX XXXX XXXX ( no comma ) I have trusted tax preparation professionals, paid them to hide, deceive and wreck a very good businesss that has paid XXXX 's of XXXX 's in taxes over the years on falsified returns. I need advise on what to do next. I am hiring at my expense an auditing firm to help re-calculate all of my past six years of business. I had XXXX active customers and XXXX falsified numbers and a comma ruined everything.",,Consent provided,Web,2016-07-26,Closed with explanation,Yes,No,CR2027291,893
2016-07-25,Credit card,,Closing/Cancelling account,,"It all started in XXXX of 2011. I am self employed and had this credit card for my business, I was told that i needed to have XXXX now. I would need to be off work for 6 to 8 weeks, so I called this card company and wanted to suspend my payments for about 3 months to get myself back to work and start making payments again, the person on the other end laughed at me and told me that there was no company that would do that. And here we are today. I did not make payments do to not working and now for 3 years after they closed and charged off the acctount I am getting summons and garnishing on my bank accts, some that i do n't bank at anymore, and one most recently that they took money from that was to go to contractor who did work from a storm that we had.",,Consent provided,Web,2016-07-25,Closed with explanation,Yes,No,CR2027857,12851
2016-07-25,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-07-25,Closed with explanation,Yes,No,CR2027469,548
2016-07-25,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2016-07-25,Closed with explanation,Yes,No,CR2027812,13620
2016-07-25,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-07-25,Closed with explanation,Yes,No,CR2027719,343
2016-07-24,Bank account or service,Checking account,Deposits and withdrawals,,I bank with Eagle National Bank. In several occasions Eagle National Bank has place a hold upon a payroll deposit check I have made. On all of these occasions I have asked for and received a copy of the cleared from the accountant for my employer. The hold has always been place one day after the check cleared and in such a manner that out my account into negative status. It seems to me the algorithm that is responsible is targeting accounts that may earn Eagle National Bank a financial reward in the term of fees for overdraft. It even happened when my employer changed to Bamk of Amercica as the a. Punt holder for payroll. I was told that Eagle National Bank had received information that 's payroll check would be returned even though it was drawn from anothe Bank of XXXX account. Eagle National Bank 's fraudulent actions have cost me XXXX dollars of late fees and associated costs due to the fraudulent holds being placed upon my account to. I have evidence of the day the checks where authorized and screen shots of my a. Punt showing that money was credited to my account and a hold was placed on my account after the date the payroll checks cleared. I believe that Eagle National Bank has a working agorythem that is trying to maximize based on holding checks deposited to encure over draft fees.,,Consent provided,Web,2016-07-24,Closed with explanation,Yes,No,CR2026843,2191
2016-07-24,Credit card,,Rewards,,"I applied for the XXXX Mileage Plan credit card that offered XXXX XXXX XXXX bonus miles on XXXX/XXXX/16 and was instantly approved on line. Several weeks afterwards, I received a call by a representative that wanted to review my benefits with me. I was told I did not receive the card I applied for, but a lesser card that would only give me XXXX bonus miles. This was a pure bait and switch. I am appalled at the deceptive practice of this company. I did call the company but that would not award the miles as promised. I closed the account today rather than pay their annual fee as they did not fulfill their obligation.",,Consent provided,Web,2016-07-24,Closed with explanation,Yes,No,CR2027151,1980
2016-07-24,Credit card,,Credit determination,,"In XXXX 2016 I received my statement from Eagle National Bank with a balance of {$48.00}. I scheduled payment in time for the due date for the full amount as I always pay all my credit cards are paid in full monthly. By mistake I clicked on the wrong line on bill pay and sent the money somewhere else. I have proof of this. I then received a statement from Eagle National Bank in XXXX showing the amount was not paid. I immediately called Eagle National Bank and explained. They told me that due to my excellent history there was no issue, all I had to do was pay the amount which I did. I received last week a notice from them saying my credit history was downgraded and my credit limit was reduced. I do n't care about the credit limit as I do not use this card very frequently but I am very angry at this action for no justifiable reason. I would like to have this corrected with the proper Credit Bureaus and cancel this credit card. Please advise how to proceed.",Older American,Consent provided,Web,2016-07-24,Closed with non-monetary relief,Yes,No,CR2027099,4250
2016-07-24,Credit card,,Transaction issue,,"We used autopay to pay off our statement balance with FIA Card Services, a XXXX XXXX XXXX card. However, the payment was returned ( never applied to the account and never debited from the checking account ), and we were charged a return payment fee. There was no late payment because we had already submitted the minimum payment due. We called on XXXX XXXX, 2016 to make the payment in full again and to get reimbursed for the return payment fee ( the fee was eventually reimbursed ). We submitted a payment over the phone on XXXX XXXX, 2016 to the credit card through FIA Card Services. The new payment was never applied to the account balance, but the transaction still shows on the checking account, which is also through XXXX Those funds are now missing, and the FIA Card Services website shows "" You can not login to FIA Card Services. You do not have any open accounts. If you believe this is an error, please contact customer service at XXXX. '' We called the number and waited on hold for XXXX and half minutes and were unable to speak to a representative. The card account is now with XXXX XXXX XXXX, however they do not have a record of the account balance yet.",,Consent provided,Web,2016-07-24,Closed with explanation,Yes,No,CR2027353,558
2016-07-24,Credit card,,Arbitration,,,,Consent not provided,Web,2016-07-24,Closed with explanation,Yes,Yes,CR2027201,4765
2016-07-23,Bank account or service,Checking account,Deposits and withdrawals,,"On 2014 I took the big decision to move from XXXX XXXX to USA ( XXXX, XXXX ) to start new with my fiancee and XXXX daughters. I 've been a successful student and business person in XXXX XXXX and an example citizen. Recent after opening a checking account on Eagle National Bank, I deposited a couple of pay checks ( computer/business checks ) from my previous employer from XXXX XXXX to my EN account. Only XXXX of them bounce back as a "" bad check '' for a really small amount of around {$200.00}. Eagle National Bank automatically without notice closed my account for "" fraud/bad check '' and now I 've been flagged as if I were some kind of criminal, when I 've never in my life have n't even taken a piece of gum without paying it. This is frustrating. I do n't owe EN any money, everything was paid of in cash at a local branch. I tried contacting EN at local branches, corporate offices, and by phone, none of them helpful, I get the same answer, EN flag as a fraud check and there 's nothing we can do ''. So now I have to wait 7-10 years so I can have my finance life back? This is NOT FAIR at all. I should not pay this consequences, much less my fiancee who has nothing to do with this, she was just an authorized person on my account to have access to a debit card and be able to make purchase with my hard earned money. Please investigate EN and my disputes, all I want is to be removed from the XXXX and be able to open a regular checking account at any bank like XXXX, XXXX XXXX, etc. I have great relationship with local banks in XXXX XXXX that can vouch for me, including the biggest bank in XXXX XXXX, the XXXX XXXX XXXX, which I have accounts for XXXX years now. Please help get my life back, buy a house, get a checking accounts for direct deposit, and more. THANK YOU",,Consent provided,Web,2016-07-23,Closed with explanation,Yes,Yes,CR2026964,7980
2016-07-23,Credit card,,Transaction issue,,"CFPB Complaint Number : XXXX Eagle National Bank failed to remove the incorrect info from XXXX. 
They did delete the info from XXXX 
EN inaction has halted a transaction with XXXX XXXX XXXX, XXXX, WI. 
EN rep promised a letter from XXXX by XXXX XXXX, 2016, to clear account. 
No letter has arrived. 
Desired resolution : EN will promptly clear incorrect Equifax report.",,Consent provided,Web,2016-07-26,Closed with non-monetary relief,Yes,No,CR2026995,4769
2016-07-23,Credit card,,Credit card protection / Debt protection,,"I purchased a defective product from a company and Eagle National Bank, my credit card company, requested unduly burdensome and impossible-to-obtain proof for me to prove my claim. They failed to protect me from a merchant who is deliberately not supporting their defective product, despite my never being late on a single payment in my 12 or so years as a cardholder.",,Consent provided,Web,2016-07-23,Closed with explanation,Yes,Yes,CR2026777,2876
2016-07-23,Credit card,,Billing statement,,"On XXXX XXXX, 2016, I made an online payment of {$1900.00} to pay my Fidelity XXXX XXXX monthly payment in full, due XXXX XXXX, 2016. The payment posted to my account on XXXX, 2016. On XXXX XXXX, 2016, FIA Card Services withdrew a second monthly payment of {$1900.00} from my checking account for the monthly payment. Of course, this caused my checking account to be overdrawn and incurring a {$35.00} overdraft fee on my account. The erroneous XXXX payment of my monthly balance posted on XXXX, 2016. They now tell me it will be 7 to 10 business days before they can replace the XXXX payment back into my checking account, which may make me unable to pay some monthly payments while they are "" researching '' the problem",Older American,Consent provided,Web,2016-07-23,Closed with explanation,Yes,Yes,CR2026960,2050
2016-07-23,Credit card,,APR or interest rate,,"I applied for a Nordstrom Credit Card on XXXX/XXXX/2016 the rates offered were as low as 11.15 % and as high as 23.15 % based on creditworthiness, before applying, I unfroze all XXXX Credit reports, so they could review my credit history, I completed the online application which asked me minimal questions, income, length of time at my resident and annual income. With my credit score and history of accounts and length of accounts I would more then qualify for the lowest rate offered. Once I completed the online process I was immeditaily approved at a XXXX rate which is 19.15 %. After making a numoros of phone calls with my dissatifaction do to there responses to my concern of the interest rate based on my credit, length of time at residence, length of time on job, income and no debit ratio the representative stated that they would offer me XXXX rate which is 15.15 %, still not satisfied with the response and them not able to tell me why I did n't get the XXXX rate which is 11.15 % is why I 'm filling this complaint. I feel that if I had a question regarding my creditworthiness I would n't have unfroze my credit and applied for the card. 
Nordstrom 's Credit Card Interest rates and Interest charges section states "" Your APR will be assigned when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the prime rate '' My average credit score between the XXXX bureaus XXXX and XXXX is XXXX, which are the XXXX bureaus Nordstrom credit uses. I tried to find out what was the reason behind my XXXX he was n't able to really explain other then he said my score was a XXXX and it qualified for the XXXX, the represenative said he would be able to give me XXXX rate and do to me still not being satisfied with his response he then said he would not switch to the XXXX do to me still not being satisfied with there response. I believe I have been taken advantage of and now if i close the credit card it will reflect on my credit negative. I tried to handle with the credit card company, but have been told that it has been sent to corp. office for review.",,Consent provided,Web,2016-07-23,Closed with explanation,Yes,No,CR2025468,3417
2016-07-23,Credit card,,Balance transfer,,,,Consent not provided,Web,2016-07-23,Closed with explanation,Yes,No,CR2026677,3037
2016-07-23,Credit card,,Late fee,,,,Consent not provided,Web,2016-07-23,Closed with monetary relief,Yes,No,CR2026858,10389
2016-07-23,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-07-23,Closed with monetary relief,Yes,No,CR2025558,3339
2016-07-22,Bank account or service,Checking account,"Account opening, closing, or management",,"I scheduled a payment through Eagle National Bank to a local merchant. I admit the funds were NOT in the account upon scheduling because I knew it took at least ten days to process. I went to the nearest branch, XXXX miles away ( 1 hour drive each way from here ) to make a deposit after to make a deposit to make sure the account was in good standing. The bank was ENrded up and shut down. The next nearest branch to make a deposit was XXXX miles away. I could not do that. The check hit and B of A declined payment and just charged a fee. I paid the bill through my new blue card from XXXX which does n't ever charge fees for anything. B of A charged another fee for not paying the first fees that included maintenance fees, as driving XXXX miles to their other branch and covering it within five business days was not possible. My account currently has - {$100.00} with {$100.00} of that amount being pure fees, no actual goods or services. B of A provided NO goods or services for those fees. They are running them up seemingly non-stop, with monthly maintenance fees for doing absolutely nothing. I 've discussed this with their customer service and they said I could pay ALL fees or get banned from having a checking account anywhere in the U.S. once they report their unrecovered fees to chex systems. I wanted to end my account with them, but have to drive XXXX miles at their convenience and pay them to do so.",,Consent provided,Web,2016-07-22,Closed with monetary relief,Yes,No,CR2026267,2108
2016-07-22,Credit card,,Closing/Cancelling account,,I have had an account with Eagle National Bank since XXXX they have closed all of the local branches in my area and the closest bank is half hour away from me which has been difficult as a customer but I just dealt with the inconvenience. I worked very hard to pay off my credit card with Eagle National Bank with a {$5000.00} credit limit. XXXX day I go into my online banking to check my accounts and my credit card was not showing. I called the bank and they said they had closed my account no notice just closed. I had never been late and never had an issue with this card had the card since XXXX they had just sent me checks in the mail where I was going to use XXXX at XXXX for 0 % interset until XXXX. I am so glad i did not having no idea they closed my account I would of been mortified. It has sbeen nothing but difficult to keep a relationship with Eagle National Bank they do not care about there customers or having a long relationship with them. After years of having a perfect relationship with them they close my account with a zero balance because they say my utilzation is high on my cards. I am done with them closing branches everywhere and not having relationships with there customers there is so many other banks that do n't treat good customers like this,,Consent provided,Web,2016-07-22,Closed with explanation,Yes,Yes,CR2025988,4055
2016-07-22,Credit card,,Credit determination,,"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Eagle National Bank, XXXX XXXX XXXX, XXXX XXXX, TX XXXX Re : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX and XX/XX/XXXX Dear Eagle National Bank, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX",,Consent provided,Web,2016-07-22,Closed with explanation,Yes,No,CR2023832,4105
2016-07-22,Bank account or service,Checking account,"Account opening, closing, or management",,"I have a checking account at Eagle National Bank. It is an account in both my brothers name and mine. We set the account up in New Jersey, where my brother lives. The reason we set it up was for my brother to be able to make deposits frequently into the account so that I could have money for food and also for co-pays to my doctors. I am a XXXX, so I go to the doctors quite frequently. Recently, I checked the account and realized that we were being charged {$10.00} a month because the balance fell below {$100.00}. I questioned the bank person on this and told her we were never told this when we set up the account and I did not think it was fair to have been charged {$10.00} EVERY month just because our balance would go slightly under {$100.00}. I live on a small social security check and rely on my food stamps to get food. Charging me over XXXX % a month to penalize me seems a bit unfair. I do n't think rich people get penalized XXXX % of their money each month. 
I am tired of being penalized because I am now poor. They have also started to charge me {$1.00} a month as a new "" fee '' in addition to the {$10.00}. fee. This is criminal. 
Please investigate this and tell me why do poor people have to cover the administrative costs for the bank and not the rich. 
Thank you, XXXX XXXX XXXX ( age XXXX! )",Older American,Consent provided,Web,2016-07-22,Closed with explanation,Yes,Yes,CR2025401,3460
2016-07-22,Credit card,,Credit determination,,"XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX NORDSTROM XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX Dear NORDTROM, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX",,Consent provided,Web,2016-07-22,Closed with non-monetary relief,Yes,No,CR2026611,2720
2016-07-22,Credit card,,Other,,,,Consent not provided,Web,2016-07-22,Closed with non-monetary relief,Yes,No,CR2026199,3687
2016-07-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-07-22,Closed with explanation,Yes,No,CR2024847,11252
2016-07-21,Bank account or service,Checking account,"Account opening, closing, or management",,"According to the Eagle National Bank FICO score report, one of the key factors affecting my score is "" Number of accounts with delinquency. '' On the same report, EN states that they base this information on XXXX data, against which I have also filed a complaint. As per a EN relationship manager ( after talking on the phone with their credit card department ), EN can not do anything and they directed me back to XXXX. I 've spoken twice to XXXX customer service reps and they state that there are no delinquencies on my report and that I should go to EN to resolve the situation. I have the credit reports from the three credit reporting agencies ; there are no delinquencies on any of them. Effectively, I 'm being bounced around the two companies with no solution being offered by either.",Older American,Consent provided,Web,2016-07-21,Closed with explanation,Yes,Yes,CR2024055,3018
2016-07-21,Bank account or service,Savings account,"Account opening, closing, or management",,"Eagle National Bank has not refunded the {$300.00} closing balance on savings # XXXX due to confusing poor service. Please see attached letter to Eagle National Bank CEO which explains the circumstances. 
Thank you!",Older American,Consent provided,Web,2016-07-21,Closed with explanation,Yes,No,CR2020809,12730
2016-07-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I was charged XXXX days for a processing hold in my account to a business that did n't submit the hold for payment right away. The bank charged me each day the hold was in effect, thereby reducing my balance that affected other payments which should have been covered. They said at the end of each day, they returned the monies to my account if they were not collected by the company. However, my statements show that the monies were "" never '' returned to my account and was eventually charged again on the following day, making the charge a double payment to the business which they never received but my account was reduced by the double amount. That 's not fair to me to be charged twice and the monies not paid to the merchant but my account depletes anyway. The bank should replace the funds at the end of each day if they are not collected by the merchant, thereby making the bank customer whole again for the next day charges.",Older American,Consent provided,Web,2016-07-21,Closed with explanation,Yes,Yes,CR2023565,2555
2016-07-21,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I went to the Eagle National Bank ATM located on XXXX XXXX in XXXX Connecticut this morning around XXXX. I proceeded to withdraw {$300.00} from the atm. The atm stated on screen there were "" technical difficulties '' and it gave me my card back, no money, but the funds were deducted from my account. We were going to book our wedding venue and this was a huge burden. I was told to fill out paperwork and "" may '' get my money back. Please note that this happened a few years ago for {$200.00}, i filed the correct paperwork and they did not return my money. I found out that there were at least XXXX other people today that this happened to at the same location thru our towns XXXX page. They should have said the ATM was out of order at that point. This has been a ongoing problem with Eagle National Bank and they are robbing their customers",,Consent provided,Web,2016-07-21,Closed with monetary relief,Yes,No,CR2021145,4027
2016-07-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-21,Closed with explanation,Yes,Yes,CR2024005,2039
2016-07-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-21,Closed with explanation,Yes,No,CR2023641,2407
2016-07-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-21,Closed with monetary relief,Yes,No,CR2023695,4227
2016-07-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-07-21,Closed with monetary relief,Yes,No,CR2024708,2864
2016-07-20,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank ATMs let you overdraw the account and then charge you a {$35.00} overdraft fee. This is unlike most banks ' practices. For example, XXXX and XXXX ATMs do n't do that. I called them at XXXX today and had to wait on hold an hour to ask for a one-time courtesy adjustment because they let my bank account overdraw when my girlfriend used the ATM. They refused the adjustment even though after the overdraft, Eagle National Bank sent no email notification or XXXX application notification regarding the overdraft. They let the overdraft stand until early the next morning when I saw it, by which point they had charged me {$35.00} as an overdraft fee. They intentionally do not notify their customers so that their customers do not cover overdrafts. My account was only overdrawn a few hours until I covered it at XXXX or XXXX the next day. Even then, I was still charged {$35.00}. My account with them is not even a day to day account ; I usually only have {$1.00} in there and keep the account to send money to family. Also, I called them and asked for a one-time courtesy adjustment of this overdraft and they refused, saying that the fee was properly assessed. This is even though I never selected this intentional overdraft feature for my account, which has been opened 11 years. This must be a more recent feature they have added to rack up fees.",,Consent provided,Web,2016-07-20,Closed with monetary relief,Yes,Yes,CR2021139,3249
2016-07-20,Bank account or service,Checking account,Deposits and withdrawals,,"BofA in Colorado has long history of compromised service. On this occasion I was directed to go to a "" virtual ATM '' to do a large transaction with a {$3200.00} check to bring overdraft current. I had acquaintance and his friend drive me there. ATM has had problems before so I checked to see if it was fully operational. They said it was. When doing transaction they informed that "" second ID scanner '' was not working and told me to "" cash check at issuing bank and deposit cash at BofA center nearby ''. I did as suggested. Acquitance XXXX grabbed the cash and dumped me in an alley on the way between banks. This is the latest in numerous compromised banking practices from BofA and frequent misinformation leading to risky transactions. This serious crime was inevitable and the entire community is at risk because of the poor advice and misinformation because of the limited banking practices in colorado with BofA. I am now afraid for my life, cant sleep, broke and traumatized.",,Consent provided,Web,2016-07-20,Closed with explanation,Yes,Yes,CR2022276,2619
2016-07-20,Bank account or service,Checking account,Problems caused by my funds being low,,I have been trying for over 2 months to contact someone from Eagle National Bank to investigate why my account was charged for over 5 years a service fee each month when I had an automatic deposit over XXXX $ each month. I can not get thru to anyone. I am constantly redirected when I finally speak to an individual they redirect me back to automotive system! Ye,,Consent provided,Web,2016-07-20,Closed with explanation,Yes,No,CR2022370,105
2016-07-20,Bank account or service,Savings account,"Account opening, closing, or management",,"I I have been a Eagle National Bank for about 12 years. Today I received an email stating my Savings account which is linked to my E-Checking count to avoid maintenance fees is no longer applicable. The email had the audacity to state the "" waiver '' I have been receiving is being removed. First and foremost XXXX has not been granting me a special waiver. The maintenance fee has not been charged due to the fact it is linked with my E-Checking which I was advised to do when opening account and agreed upon. Secondly the email then advises I must open another type checking account to continue not being charged the maintenance fee. Bare in mind the minimum for these accounts are about {$20000.00} as is the Preferred Rewards option.Surely there should be a grandfather option.Nothing was advised when opening this account that XXXX would come after the fact and force other options after agreeing to link E-checking and savings for no maintenance fee.Its principle and not a good way to do business.I bank at XXXX other establishments as well and never had this issue.I called customer service which apparently no one is working. As I was on hold an unacceptable amount of time over 70 mins being disconnected or no one to answer and had to head back to work.Constant automated message about call volume.",,Consent provided,Web,2016-07-20,Closed with non-monetary relief,Yes,No,CR2021263,2676
2016-07-20,Bank account or service,Checking account,Deposits and withdrawals,,"This is a second complaint about Eagle National Bank 's business practices, designed as they claim "" to protect me, my account, and themselves ''. XXXX deposits totaling {$4000.00} were placed on a 10-day hold, {$2000.00} on XXXX and {$2000.00} on XXXX. These holds have resulted in a returned payment to XXXX XXXX, and has caused my credit card account to be suspended until the payment goes through, which means that I am unable to use my primary credit card. I have also been charged a fee by Eagle National Bank in association with the returned payment. 

I 've been on the phone with Eagle National Bank 4 times today totaling 2 hours. All reps I 've spoken to say that nothing can be done about these holds since they ca n't verify the funds with the other bank. I know this to be false because I 've dealt with this exact issue multiple times before with Eagle National Bank, and on each previous occasion holds have been released. The payer has verified that funds have cleared from his account. Another deposit from the same payer, with a check from the same account, made after these XXXX deposits, has already posted to my account. Reps have insisted that removing the hold is impossible, and have refused to escalate my issue to a higher department, claiming that there is nobody else that they can escalate this to. I know this to be false as well ; when I dealt with this issue in XXXX 2015 I had been in touch with an individual in executive management, whose phone number was given to me and who called me back after I had left a voicemail. 

I have been lied to and stonewalled, and Eagle National Bank 's actions are causing me financial hardship.",,Consent provided,Web,2016-07-20,Closed with explanation,Yes,Yes,CR2020949,1542
2016-07-20,Bank account or service,Checking account,Deposits and withdrawals,,"Deposited XXXX payroll checks, totaling over {$2800.00}. The teller told me the funds would be available the next business day. Funds are still not available 1 week later despite numerous calls and visits to the bank. At each call and visit, I was told the funds would clear the next day. At the last call three days ago, I was informed that the check would be held for 6 days at maximum. It is now 7 business days in and I have no anser as to when funds will clear. The bank is posting electronic bill payments and calculating a minus balance with imposed late fees despite pending checks. I would like to close account but the bank has refused because the balance is "" minus '' despite the {$2800.00} deposit that has not yet cleared.",,Consent provided,Web,2016-07-20,Closed with explanation,Yes,No,CR2020642,2997
2016-07-20,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX/XXXX/16 I called Eagle National Bank to inquire about a {$100.00} ATM withdrawal shown on my Convenience Banking Statement for a withdrawal date of XXXX/XXXX/2016. I spoke with a man identified as XXXX, with a first name of XXXX. I made it abundantly clear that the information I want is the EXACT location of the ATM machine from where the money was withdrawn. I stated this several times to XXXX that was the purpose of the call - so I could trace back my activities for that day and time to a specific location and discern if, indeed, I visited the location from where the ATM was used, as I could not recall withdrawing any money from an ATM on that date. 
You can see from the attached email chain that the bank did everything but answer my question - that is, to know the exact location of the ATM machine. On subsequent calls they only read back to me the same information already provided in the statement, to wit : XXXX XXXX - XXXX XXXX. 
That is NOT an exact location. XXXX runs for XXXX miles. So it is clear they are unable or indifferent or holding back information on the exact location. I believe they are obligated to pass on that information. Yet, if you read the email chains uploaded in a txt file, you will see that they are just spewing out the same information over and over again without telling me where the ATM machine was located. 
Again, I am asking for them to identify the address ( with street number ) of the ATM. 
Thank you!",,Consent provided,Web,2016-07-20,Closed with explanation,Yes,No,CR2022366,1838
2016-07-20,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-07-20,Closed with explanation,Yes,Yes,CR2019909,1238
2016-07-20,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-07-20,Closed with explanation,Yes,No,CR2021659,2730
2016-07-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-20,Closed with explanation,Yes,No,CR2020495,517
2016-07-20,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-07-20,Closed with explanation,Yes,No,CR2020833,1746
2016-07-19,Bank account or service,Checking account,Using a debit or ATM card,,"I HAVE A ACCOUNT WITH Eagle National Bank, AND THIS PAST YEAR, I HAVE HAD A XXXX STAYING WHILE GOING TO SCHOOL, HE HAD EITHER WROTE MY CARD NUMBERS DOWN OR TAKEN MY CARD AND REPLACED IT IN MY WALLET. AS SOON AS I GOT A NSF FEE STATEMENT, I WENT AND LOOKED AND WHAT A SURPRISE, XXXX WORTH OF TRANSACTIONS, HE DID THE SAME WITH MY XXXX CREDIT CARD, HOWEVER I HAD DRIVEN HIM TO THE AIRPORT THAT DAY, I FOUND OUT. I CONTACTED Eagle National Bank DIRECTLY AND AS THE SMALL PRINT SAYS, I AM COVERED FOR THAT LOSS, THEY GAVE ME A EXCUSE THAT HE DID NOT GO SPEND HAPPY WITH MY ACCOUNT AND I SHOULD LOOK AT MY ACCOUNT DAILY .I AM TOTALLY THROUGH WITH Eagle National Bank, NOT ONLY DID I GET TAKEN BY HIM, MY OWN BANK HAS TAKEN ME AS WELL AS THEY DO NOT WANT TO EVEN REFUND THE OVERDRAFT THAT WAS CAUSED BY THE INCIDENT",,Consent provided,Web,2016-07-19,Closed with monetary relief,Yes,No,CR2018643,6789
2016-07-19,Credit card,,Closing/Cancelling account,,"Eagle National Bank closed my account even though I notified them back in XXXX XXXX that I am a victim of id theft which I have proof of but they told me they did not need it. I have a few accounts on my credit reports that are not mine. I had this card for 15 years and I always try to have contact with them. In XXXX XXXX and late XXXX Eagle National Bank 's credit analysis did not post my payment in a timely manner, it states they wanted funds availability even though I let customer service know that I was making XXXX payments on my account. The credit analysis department claimed the amount was suspicious and they had to call my bank even though I did not bounce a check with them at that point. This also happened in XXXX also claiming funds availability even though I did not bounce a check with them. I did complain about it to Eagle National Bank but they claimed that I was lying. I called customer service and they did not know why my payment was credited properly, they told me to contact the credit analysis department which I did. I just received a letter yesterday dated XXXX/XXXX/XXXX they are closing the account. I am a victim of identity theft which is why my credit score is XXXX, my score used to be XXXX. I have told Eagle National Bank about this twice, I need my credit reopened because it will affect my score. Eagle National Bank was notified by me and I offered to send proof but refused. It would be different if I never talked to them about it. My credit report is not an accurate way to determine whether or not I pay my bills at this point due to identity theft which can take up to 2 years to solve.I want all negative marks removed because they were notified of the id theft but ignored it.",,Consent provided,Web,2016-07-19,Closed with explanation,Yes,No,CR2020202,1700
2016-07-19,Credit card,,Billing statement,,"Over the past 7 months I have been monitoring the interest payments on my credit card from Eagle National Bank ( rewards ). The interest seems rather high to me. I believe their interest calculation works in principle according to : 1 ) the interest on any statement refers to the purchase amounts carried over from the previous month. 
2 ) the closing date ( XX/XX/XXXX ) and the payment due date ( XX/XX/XXXX ) are different, 3 ) the interest rate on amounts carried over from previous months is really high and seems arbitrary as the following data from my credit card statements shows : statement date interest charged balance amount paid ( $ carried over ) XXXX/XXXX/16 {$14.00} {$1400.00} {$1400.00} ( {$0.00} ) XXXX/XXXX/16 {$16.00} {$1400.00} {$1400.00} ( {$63.00} ) XXXX/XXXX/16 {$14.00} {$1100.00} {$1000.00} ( {$120.00} ) XXXX/XXXX/16 {$15.00} {$1000.00} {$1000.00} ( {$29.00} ) XXXX/XXXX/16 {$6.00} {$520.00} {$250.00} ( {$270.00} ) XXXX/XXXX/16 {$12.00} {$1200.00} {$1200.00} ( - {$3.00} ) XXXX/XXXX/16 {$9.00} {$1600.00} {$1000.00} ( {$600.00} ) My monthly payments were all made on or before the payment due date. 

My problem is that I called EN for clarification - it took over 1/2 hour, multiple holds, speaking with XXXX representatives before getting a rough answer - made by the above XXXX points. Their description on how to avoid interest payments on regular retail purchases seems simple enough - "" Pay the statement in full. '' However, debt carry-over into the next billing period seems arbitrarily exhorbitant, according to my data above, i.e. interest charged vs. ( $ carried over ). EN does not provide clear rules in this regard. Coupled with calculation uncertainties surrounding the different closure and payment due dates, even the EN representatives that I spoke to were confused on how interest charges are computed. One representative even commented on possible interest charged on purchases made within the closing and payment due dates - showing up on the next billing statement. As I did not receive a $ -to- $ itemized detail on how EN obtained the precise interest figures, I conclude ENs practice of interest computation is nothing short of obsfucation that works in their favor ; and hence predatory. Although the interest payments are not large in this case, I feel ENs credit card practices deserve closer inspection.",,Consent provided,Web,2016-07-19,Closed with explanation,Yes,Yes,CR2019802,4318
2016-07-19,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-07-19,Closed with explanation,Yes,Yes,CR2017131,50
2016-07-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-07-19,Closed with explanation,Yes,No,CR2019601,1522
2016-07-19,Bank account or service,Checking account,Using a debit or ATM card,,,,Other,Web,2016-07-19,Closed with explanation,Yes,No,CR2019724,4452
2016-07-19,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-07-20,Closed with explanation,Yes,No,CR2019449,2836
2016-07-18,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"After years of being with Eagle National Bank, my wife and I switched to XXXX when a friend landed a XXXX gig there. I XXXX, all my accounts at EN out and ended up going as far as calling my wife 's student loan company to change all of the automatic payment options out. The XXXX item I never changed was an automatic transfer set up between my wife 's account and our joint account ( used for paying bills etc ). When I went into the bank to close the account, I was told both of the parties needed to be present to close my wife 's account, and the joint. I accepted that and left. We both work ( i work nights and she works days ) and we have XXXX kids. Needless to say this job of closing the accounts fell by the wayside. I thought nothing of it, because I had moved all payments and automatic billing services off all of our EN accounts. This happened ( I am told by EN ) XX/XX/2015. I do not remember the date, but i distinctly remember it being XX/XX/2015. 
XX/XX/XXXX I see something from EN that looks like a billing statement. Honestly, most mail in our house goes directly in the garbage with the exception of hand written cards. All of our important information, mortgage, car payments, credit card bills, tax statements, are all e mailed to me. I opened the mail up to see that there was a balance due of over {$2000.00}. I immediately thought I must have missed an automatic bill and I saw that my credit was being hit because of late payments. I checked and saw nothing on the credit card statement with the exception of overdraft. I checked the account and found that I had never turned off an automatic transfer from her checking to the joint account. I called up and moved everything back to the credit card and had all accounts closed ( suddenly, I was able to close the joint account AND my own account, but was unable to close my wife 's account without her available. Altogether, there are over {$400.00} worth of overdraft fees. Finally ( about a month later when my wife and I are finally together for more than 20 minutes ) I had her call up and I attempted to resolve the issue. The issue ended up being this : the automatic transfer would debit {$250.00} weekly to the account. Since there was no money in the account ( all had been XXXX out ) it went to overdraft, and overdraft hit the account with a {$12.00} fee. This happened over 30 times. 
I understand that because of my oversight money was moved. The money was moved because I had signed the overdraft agreement and would continue to do so indefinitely. I have no problem with that, and even no problem with a fee. But over {$400.00} is excessive. When I called at a later date to see if I could resolve this on a human level, not an automatic computer and legal response level, I was told that they could refund me {$24.00}. I explained that I understand some of this is my mistake, and that a fee might be leveled, but {$400.00} is over the top. I was willing to negotiate and pay a percentage or even {$120.00}. I was told that would not do. On a human level, with all the negative attention that banks have, I understand why.",,Consent provided,Web,2016-07-18,Closed with monetary relief,Yes,No,CR2016728,4554
2016-07-18,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank refused to deposit a properly endorsed check into my checking account. 
My insurance company, XXXX XXXX, issued a check for a personal property loss due to a fire. The check is made payable to XXXX XXXX XXXX, my public adjustor ; my husband and myself. We have all properly endorsed the check. On XXXX/XXXX/XXXX, my husband attempted to deposit the check into a personal checking account in both our names. The Eagle National Bank branch is at XXXX XXXX XXXX XXXX, XXXX XXXX, RI XXXX ; phone : XXXX. XXXX XXXX, who identified herself as a Manager, refused to deposit the check. The check is a properly endorsed negotiable instrument. The check is drawn on a Eagle National Bank account and being deposited into a Eagle National Bank account. If Eagle National Bank will not accept this check for deposit, how can I negotiate the check? 
NOTE : I have no problem with the bank accepting the check for deposit and placing a hold on the funds. Eagle National Bank accepted deposits on three other occasions with the same payor, same payee, same endorsement. Deposits were made XXXX/XXXX/XXXX for {$92000.00} ; XXXX/XXXX/XXXX for {$19000.00} ; XXXX/XXXX/XXXX for {$2500.00}. 
I would appreciate any help you can give me in this matter. Thank you.",Older American,Consent provided,Web,2016-07-18,Closed with explanation,Yes,No,CR2017678,4733
2016-07-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"In XXXX I set up a {$10000.00} line of credit for my small business with Eagle National Bank. I understood that I would be paying back this loan in increments and that they would be automatically withdrawn from my checking account. I never ever received any statements in the mail. Over the ensuing years I admit that I forgot about this debt, but assumed that the withdrawals the bank had been making had wiped it clean long ago. 
This past Saturday I decided to review everything online and discovered that, for the past 18 years BofA has been withdrawing about {$90.00} from my checking account monthly but then slapping that account with an equivalent finance charge of virtually the same amount. So I estimate I 've paid the bank about {$18000.00} over the 17 years and my balance due has only been reduced to {$9700.00}. I was absolutely shocked!!! To add insult to injury, the bank also has charged me a $ XXXX/year membership fee!!! Insane! 
The bank has claimed that they did not have my correct address and therefore no statements could be sent. But all my other bank statements are mailed and received. And all the statements I could retrieve online ( only as far back as XXXX although I 've ordered earlier ones ) all have the correct address printed on them. 
For the past decade I have been very diligent in paying all my bills down to XXXX balance every month. But without getting a statement, I had no idea about this debt hanging over me. I could have, and would have, paid it off many years ago. 
I called the bank on Saturday but received no satisfaction. Basically, they claimed that they did nothing illegal and therefore were under no obligation to forgive anything. The most they would consider would be to wave the last three months of finance charges. End of story on their part. 
I do realize that I am not totally in the clear ... I should have been diligent and aware, but the account was set up long before there was any online banking. So without printed monthly statements ( like I have received for every other loan I have ever been involved with ) it is easy to lose track. When I look online, now I see that they list a balance of approx {$9700.00}. But, honestly, because that number has never changed for years, and I have n't used the line of credit at all, I have assumed that was the amount that I had available. 
So basically BofA had constructed an easy $ XXXX/month money-making machine which would have gone on indefinitely as long as I did n't figure it out myself. They in no way ever attempted to contact me through phone or email or other means, although they have contacted me plenty about all sorts of new products and services. 
Please help! 
( note : I am attaching the most recent statement that I found online from XXXX XXXX )",,Consent provided,Web,2016-07-18,Closed with monetary relief,Yes,Yes,CR2016626,4198
2016-07-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My banking records were subpoenaed from Eagle National Bank, by XXXX XXXX XXXX XXXX. The attorney illegally pulled records, in an effort to track down my personal information. According to XXXX court records there is no judgement against me. In fact, the writ of execution has been rejected several times, with the latest being as recent as XXXX XXXX, 2016. So how were XXXX XXXX XXXX able to subpoena bank records? Court documents show that each attorney has moved the process to XXXX different courts, over 7 years, in an attempt to illegally carry out their collection process with incomplete court papers. XXXX XXXX XXXX do not represent XXXX, does not have proper documentation to subpoena bank records and does not have a judgement pending against me. 
What 's worse, Eagle National Bank mailed the subpoena to me on XXXX/XXXX/16, according to metered stamp envelope. It was received on XXXX ( Sat ) and the papers were released to XXXX XXXX XXXX on XXXX/XXXX/16, according to bank 's representative who spoke with the bank 's legal team member. I had only XXXX working day ( XXXX ) to refute when I am leglly allowed XXXX business days.I was not able to speak to the bank 's legal dept which is a rule that needs to be changed and made the issue more complication that it was. I needed accurate information and be able to hold someone accountable for the informaton given.",,Consent provided,Web,2016-07-20,Closed with explanation,Yes,No,CR2016532,4273
2016-07-18,Credit card,,Other fee,,"I made a purchase in the U.S. from a XXXX company, and paid in U.S. dollars, to their XXXX. Even though there was no foreign currency involved, Eagle National Bank charged me a foreign transaction fee just because the merchant had a XXXX address. Eagle National Bank has no idea whether the amount was eventually XXXX to XXXX or whether it remains in their XXXX in U.S. dollars, This is a clearly unfair policy and a possible violation of the Sherman Act by discouraging customers from doing business with certain companies.",Older American,Consent provided,Web,2016-07-18,Closed with monetary relief,Yes,No,CR2017109,4739
2016-07-18,Credit card,,Closing/Cancelling account,,"I obtained a store credit card through XXXX in XXXX 2015. Not knowing the company would no longer be usin EN retaIles as the finance company. On XXXX XXXX I received a letter stating I would no longer be able to use the store card. Had I known this, I would not have opened a card with an XXXX limit and only XXXX spent. I pulled my credit report and the account is reflected as closed and my credit score took a hit as a result. This is unfair and wrong. The account can not be transfered to the new finance company and I would have to re-apply causing my credit to be pulled again. I 'm beyond appalled and upset with XXXX failure to mention this. I would have never opened the account or I would have waited until the new finance company was in place. Please assist or provide advice as to what I can do.",,Consent provided,Web,2016-07-19,Closed with explanation,Yes,No,CR2017022,760
2016-07-18,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-07-18,Closed with explanation,Yes,Yes,CR2017331,2392
2016-07-18,Credit card,,Other,,,,Consent not provided,Web,2016-07-18,Closed with explanation,Yes,No,CR2016644,2694
2016-07-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,Other,Web,2016-07-18,Closed with explanation,Yes,Yes,CR2018237,2698
2016-07-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-18,Closed with explanation,Yes,No,CR2016431,3410
2016-07-17,Credit card,,Credit determination,,"I joined XXXX to check my credit score. I have a delinquent/derogatory Eagle National Bank credit card account listed. I 've never had a EN credit card. The account was opened in XXXX, I was born in XXXX. It was closed in XXXX. How do I get this removed from my report?",,Consent provided,Web,2016-07-17,Closed with non-monetary relief,Yes,No,CR2015899,4367
2016-07-17,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-07-17,Closed with explanation,Yes,No,CR2015991,991
2016-07-17,Credit card,,Other,,,,Consent not provided,Web,2016-07-17,Closed with explanation,Yes,No,CR2015928,11250
2016-07-16,Bank account or service,Checking account,Deposits and withdrawals,,"I recently went into Eagle National Bank 's branch that is located in XXXX, TX to deposit two claim checks that was made payable to both me and my mortgage company. One check was from XXXX and the other was a XXXX check. The mortgage company endorsed the checks and I went in to deposit them to my checking account. Where I was told by the branch manager that they could not take the checks because they were a third party check. The XXXX check was drawn from a Eagle National Bank account. Called customer service and they said that all claims checks were a third party check and Eagle National Bank would not accept that. The checks were dual signatures checks requiring two signatures, I do not believe that these are a third party check. They would not take the checks, not even put them into my account with a hold till the checks cleared.",,Consent provided,Web,2016-07-16,Closed with explanation,Yes,No,CR2015716,3936
2016-07-16,Credit card,,Billing disputes,,"I used my Eagle National Bank Travel Rewards card to book a travel to XXXX XXXX , XXXX . I booked my travel XX/XX/XXXX via XXXX and charged a total of {$1800.00} on this card for the airfare and the hotel room. Before arriving in XXXX XXXX, my husband tried to upgrade our room for us by contacting the hotel, and requesting the XXXX XXXX status, which came with an upgraded room, featuring a Jacuzzi on the balcony, daily newspaper, pillow menu, upgraded mini bar, bottle service etc. This upgrade was supposed to cost us {$450.00} in total, in addition to the original {$1800.00} we had already paid. I provided records of all of these changes and promises to Eagle National Bank. When we arrived in XXXX XXXX, the room was dysfunctional. There was no running water, for daily needs such as brushing teeth, using the bathroom, or showering. The hot tub also had no running water, and was dysfunctional. My husband tried calling them over 25 times to get help or a solution. Since the other hotel rooms were all booked, we were downgraded to the original room that we booked via the Eagle National Bank card. We did not receive any upgraded status or service AT ALL as promised for the {$450.00} upgrade fee. We notified the hotel of this problem and they assured us they would not charge us the extra money. It was to my great surprise when I came home to find that my card had been charged the {$450.00} upgrade fee. Conveniently, the hotel charged my card two times : one time for {$150.00} and the other time for {$300.00}. I accordingly called the hotel, despite international calling charges, and got no resolve. Therefore, I took action with Eagle National Bank credit card services by filing a dispute with my credit card for the unauthorized charges. I provided the credit card company with the receipt of the original {$1800.00} charge, the description of the room, the email confirmation and description of the alleged "" upgrade, '' and a letter stating my utter dismay with the charge and that myself and my husband were both witnesses, as well as about 25 of our friends of the fact that we did not get an upgraded room. My claim was wrongfully denied by Eagle National Bank claiming that they did not have a receipt that my stay in the original room was paid for in another charge. I advised them that it was in fact THEIR credit card that had the other {$1800.00} charge on it from XX/XX/XXXX, which was in fact paid for in full, and the associated receipt to prove it. They told me they did not see that originally and had made a mistake and will resubmit the dispute, which was on XXXX/XXXX/XXXX. I asked the associate if they even tried to help me and look for the charge and read the documentation I provided, and she said they were going to do so again now. Today I received a letter that my claim was denied a second time. After all of the evidence I have provided, the description of the service that was supposed to be rendered, the original charge paid for on their own credit card, and the dispute for only the "" upgrade fee '' not for the original stay, for which I did stay and pay for, it is completely undeserving for Eagle National Bank to deny this claim not once, but twice. I am shocked and appalled that I have given my business to a credit card company that did not do its due diligence the first time I submitted the claim to protect me as its customer, but failed to redeem themselves and do their due diligence the second time either. I am not responsible to pay for a service I DID NOT receive, and I am submitting this complaint because Eagle National Bank is not conducting good sound business. Eagle National Bank assured me when I opened this credit card that I would not be liable for unauthorized charges, and I am unsure why they insist on holding me liable for the unauthorized charge of {$450.00} on my card at this time. This matter needs to be addressed seriously and immediately.",,Consent provided,Web,2016-07-16,Closed with monetary relief,Yes,No,CR2015636,63
2016-07-16,Credit card,,Balance transfer,,,,Consent not provided,Web,2016-07-16,Closed with explanation,Yes,No,CR2015725,2026
2016-07-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-16,Closed with explanation,Yes,No,CR2015796,2806
2016-07-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I paid off a $ XXXX to $ XXXX credit card balance with regular payments ( automated to be prompt ) for approximately 3 years. Sometime after the last programmed check was sent, I got a notice that I owed {$10.00}, and there was a late fee of about {$40.00}. I paid off the {$50.00} and got another notice a few weeks later that I owed another {$40.00} or so. I called to complain and asked, "" How much money do you want to leave me alone? '' The agent apologized and removed all charges, said I did n't owe anything else, my balance was XXXX. I thought this ended it. Now comes my complaint. I learned that I had a negative entry on my credit report for late payments! This lowered my score and disqualified me for a loan I was applying for that offered favorable terms. This is not the first time that I end up hurt by Eagle National Bank, and I feel a need to seek some justice.",,Consent provided,Web,2016-07-15,Closed with non-monetary relief,Yes,No,CR2014359,4052
2016-07-15,Credit card,,Late fee,,"Eagle National Bank is not complying with CARD Act regulations, specifically : Under 226.9 ( c ) ( 2 ) ( iv ) ( B ), the change-in-terms notice must ( 1 ) notify the consumer of the right to reject the change before its effective date ; ( 2 ) provide instructions for rejecting the change, and, if applicable, ( 3 ) contain a statement that if the consumer rejects the change, his ability to use the account for further advances will be terminated or suspended.",,Consent provided,Web,2016-07-15,Closed with explanation,Yes,Yes,CR2012218,2814
2016-07-15,Credit card,,Other,,"Eagle National Bank presented me with an online bill showing XX/XX/2016 as a due date and new balance. I went into their system and placed a payment on my account. They claim that the payment was made in the previous billing cycle. The only thing is their system said I was due for XX/XX/2016, so I as a consumer did exactly as any consumer would do- pay the bill. They then sent me another bill showing a missed payment for XXXX XXXX. Perplexed by the new statement and the status I proceeded to call to further investigate and found they showed me due but said me paying that day was considered prior to cycle. I asked how could that be if I am seeing the amount and due date and a request for payment? I consider this a deceptive practice since they had issued the bill and had no disclaimer advising me of when and how they would post my payment if I paid on that day. As a consumer I find this practice is unfair and deceptive.",,Consent provided,Web,2016-07-15,Closed with non-monetary relief,Yes,No,CR2014989,1443
2016-07-15,Credit card,,Credit line increase/decrease,,"Over the past few years I have attempted to get a credit increase from Eagle National Bank - I started with the card back in XXXX as a secured {$300.00} card which after 2 years was released from the security deposit. I have incurred a number of inquiries over the years from just BOFA - I ca n't get anyone to actually look at my account. I keep getting stellar credit reference letters but no one will look at my history with BOFA rather they keep pulling Credit Reports. I am not telling BOFA how to manage their business - it 's obviously an internal decision on their part - but I can not seem to reason with a human being to actually "" review '' my account - always results in a hard pull which I can not afford anymore. My other credit card issuers have no issues giving more credit limit and at this point I do n't understand why I even bank at BofA anymore - they do not do anything for me - I 've been a customer since XXXX and I get nothing. I 'm at the point where I will most likely close out all my accounts and bank with a company that actually values my business - I ca n't even rent a car with a {$300.00} credit limit.",,Consent provided,Web,2016-07-15,Closed with explanation,Yes,No,CR2014503,13406
2016-07-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I have a payroll account for my job with Eagle National Bank. I set my initial account XXXX 2015. Someone via XXXX accessed my account in XXXX this year. 
EN 's solution was to 1. freeze my account or 2. close and open a new a account. I chose to open a new account. The Fraud department of EN did an investigation and told me that the person who accessed my account had closed the account so there was no way to retrieve my money. While I was very upset, I let it go since the total was under {$5.00}. Today I noticed my account was short. Upon investigation, XXXX has again accessed my account on XXXX occasions totaling {$340.00}. The Fraud department 's solution is freeze my account. That is not possible since I have pending charges and bill payment set up. I want to know why EN is not accounta like other banks. With XXXX, that money would be back in my account while there is an investigation. EN 's resolution to my first breach was "" that person closed the account we ca n't get your money back ''! 
Where is my consumer protection?! Take it up with XXXX. 
Why are they not accountable? I am closing my payroll account today and will no longer use the Worlds ' Most Inconvenient bank. Someone should look into this. EN tells me that my account was breached using my routing and account number both time. I feel that this is a breach in their bank system. I am sure upon further investigation it will be revealed. 
In the meantime, I am out of my hard earned money due to this bank 's lack in oversight and protection.",,Consent provided,Web,2016-07-15,Closed with explanation,Yes,No,CR2014579,11267
2016-07-15,Credit card,,Other,,I have requested a copy of account details for this account with Target National Bank. Target states they sold my credit account along with all account details. Target is not reporting my full account details on my credit report and are violating my Fair Credit Reporting rights. I am requesting verification of account billing and payment history details. I have contacted XXXX XXXX the company Target says they sold the account to and they said they too have no records for this account and no longer have the account. I would like the account information deleted and removed unless Target can provide documents to prove the facts they are reporting to all XXXX credit bureaus,,Consent provided,Web,2016-07-15,Closed with explanation,Yes,Yes,CR2014336,2084
2016-07-15,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-07-15,Closed with explanation,Yes,Yes,CR2014753,4591
2016-07-15,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-07-15,Closed with explanation,Yes,Yes,CR2013893,1878
2016-07-15,Credit card,,Payoff process,,,,Consent not provided,Web,2016-07-15,Closed with explanation,Yes,No,CR2013167,370
2016-07-15,Credit card,,Billing disputes,,,Servicemember,Consent not provided,Web,2016-07-18,Closed with explanation,Yes,No,CR2012699,1706
2016-07-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,Consent not provided,Web,2016-07-15,Closed with explanation,Yes,Yes,CR2014748,134
2016-07-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-07-15,Closed with monetary relief,Yes,No,CR2015050,11360
2016-07-14,Bank account or service,Checking account,Using a debit or ATM card,,"I had two different answers from two associates. I have one response from XXXX XXXX ( file # XXXX ) and another response from XXXX XXXX ( complaint number XXXX ) they both have a unanswered response to my complaint and now I have attached their responses. Right now, I am not understanding both of your views.",,Consent provided,Web,2016-07-16,Closed with explanation,Yes,Yes,CR2013189,3685
2016-07-14,Bank account or service,Checking account,Using a debit or ATM card,,"I had XXXX different answers from two associates. I have XXXX response from XXXX XXXX ( file # XXXX ) and another response from XXXX XXXX ( complaint number XXXX ) they XXXX have a unanswered response response to my complaint and now I have attached their responses.",,Consent provided,Web,2016-07-14,Closed with explanation,Yes,No,CR2012103,13751
2016-07-14,Bank account or service,Checking account,"Account opening, closing, or management",,"My complaint against Eagle National Bank is twofold : 1 ) for a period of eleven days they improperly froze my accounts without notice and 2 ) when I withdrew most of my money from those accounts, they retaliated by changing the terms of my checking account without my knowledge or consent to make me incur in maintenance fees. 

On XXXX XXXX I noticed that a payment to my student loan creditor had not been authorized. Upon inquiring with the loan creditor, they informed me that the reason my payment was not authorized was that my checking account ( from which the funds were to be debited ) was frozen. I immediately contacted Eagle National Bank ( hereafter referred to as EN ), which has been my primary banking institution since 2006. A representative confirmed that my account had indeed been frozen since XXXX XXXX. When I asked for an explanation, the representative only said they needed to confirm some information about my account. When I asked what information, they said they needed to confirm specifically my nationality and my citizenship status. I told him that neither my nationality nor my citizenship status had changed since I opened this account ( XXXX ), and that all my contact information was up to date. He insisted that he needed to know my citizenship status, to which I again responded that it had not changed since I opened the account. I questioned the legality of his line of questioning, and he mumbled something about President Obama 's anti money-laundering legislation. I asked specifically which provisions of said legislation he was alluding to, and he had no answer for me. He proceeded to unfreeze my account, but was unable to give me a reason as to why it was frozen in the first place. 

In the months preceding this incident, I do remember receiving an email from Eagle National Bank asking me to update my contact information. I obliged immediately. Since my information was up to date on XXXX XXXX, was no legitimate reason for them to have frozen my account. 

As a result of this freeze, I incurred in fees from various creditors due to automated payments that were declined. 

In the days following this incident, I contacted the XXXX in XXXX, NC to demand an explanation from EN. A representative from EN named XXXX XXXX contacted me on the phone on XXXX XXXX. She and I spoke on two occasions. In these conversations, she repeated that "" federal law '' required that they confirm my citizenship status and nationality, but she was unable to cite or even name the alleged federal laws. I asked her if EN had made any attempt to notify me either before or during the freeze, and she said that, to her knowledge, no attempt was made to contact me via phone, mail or email. 

After this conversation, I moved most of my money to another baking institution. EN retaliated by imposing punitive maintenance fee because my accounts have a "" low balance ''. I contacted customer service via chat on XXXX XXXX to have these fees reversed, and a representative named XXXX told me that while she would reverse the fees this month, my account required a minimum daily balance of {$1500.00} so as to not incur in maintenance fees. I was shocked to hear this because when I opened this account in 2006, my agreement said that my checking account had minimum balance and no monthly maintenance fees, ad perpetuum. I have never changed my account type, nor have I ever agreed to these new terms. When I inquired when these terms were communicated to me, the representative said they were mailed to my home, but could not give me specific a date that my account was converted to a product now known as "" Core Checking ''.",,Consent provided,Web,2016-07-14,Closed with explanation,Yes,Yes,CR2013485,3648
2016-07-14,Credit card,,Closing/Cancelling account,,"Eagle National Bank ( EN ) has not returned the status of my credit card account. This account remains closed by grantor and the rebuttal letter makes false statements re : my credit history. 
Background : I have been a loyal customer since XX/XX/XXXX and have NEVER been late on making any payment to this Eagle National Bank card [ applies to all my credit lines ]. 
In XXXX XXXX, I obtained the pay off balance from the credit card representative I paid off the credit card balance of {$2400.00} on XXXX/XXXX/XXXX, again, the payoff balance /amount was relayed to me by the credit card company representative. 
Without notifying me, the credit Card company assessed additional fees of {$10.00} AFTER I paid off the entire card. Moreover, I was NOT notified until XXXX XXXX via email that the card still had an outstanding balance of {$11.00} which now resulted in the card being closed as well as reported to the credit agency by the creditor and a decrease in my credit score. 
I am currently working with credit card company to have this falsely reported error removed from my account and credit report as well as to re-open my credit line. 
Additionally, due to the decrease in my credit score stemming from this error by the credit card issuer, other creditors are revising my credit lines downward in response. 
Complaint : The EN letter provided XXXX XXXX, XXXX is not acceptable response. While I appreciate the efforts of EN in removing the error of reporting a delinquency from my credit report however, to still have my credit card reported by EN as closed by the grantor/EN due to "" based on our review, we were unable to approve the request to reopen due to a pattern of late payments on accounts with other creditors '' which is an obviously incorrect and harmful statement which must be corrected by EN as it continues to impact my credit negatively through no fault of my own. 
The reason provided by Eagle National Bank on XXXX XXXX, XXXX regarding declining to reopen the account, was not correct, accurate nor valid. Per the EN response provided : "" Additionally, we have reconsidered your request to reopen the account. However, based on our review, we were unable to approve the request to reopen due to a pattern of late payments on accounts with other creditors and there are too many accounts with balances. A letter was mailed informing you of our decision on XXXX XXXX, XXXX. '' I am attaching my credit report to ACCURATELY document that I have ALWAYS made ALL of my payments on time without delinquency, late payments or missed payments throughout my entire credit reporting history for ALL creditors throughout my payment history. There are NO delinquencies documented on any of my credit reports as incorrectly and erroneously stated by EN. See attached documents. 
In response that there are too many accounts with balances, the reasoning for this is due to opening my own company and currently in the process of expansion. I am attaching my most recent pay stub as documentation of my salary of ~ $ XXXX+ annually. My company is also expanding and now classified by our US Government as a Small Business eligible for Government contracts and Grants since my company of XXXX employees continues to grow. 
I request again that this credit card account be 'returned to the impeccable status ' it had prior to the misleading and false/defamatory statement of, "" due to a pattern of late payments on accounts with other creditors "" and the incorrect pay off amount information provided by the Eagle National Bank representative that created this entire situation ( as my entire credit card was paid in full with the payoff amount provided by EN XXXX XXXX ). 'Returned to status ' is defined as an open credit account with a credit limit of {$5700.00} demonstrating my credit worthiness with Eagle National Bank XXXX",,Consent provided,Web,2016-07-14,Closed with explanation,Yes,No,CR2012740,4756
2016-07-14,Credit card,,APR or interest rate,,"I 've been a Eagle National Bank customer since 1996 and the only reason why I 've continued to use their services is because the long standing credit history is good for my credit score. However, their incessant terrible customer service has finally compelled me to pay the card off in full and to drop the card ( as well as my banking account ) with this poor service institution despite the imminent drop in my credit score. Their interest rates are ridiculous and they are never amenable to lowering the rate, their customer service wait times consistently exceeds 45 mins and the last time I requested an interest rate reduction, the customer service contact was rude and falsely noted that my rate would not be reduced due to my credit history with the bank. I calmly asked the representative to elaborate and she could n't ( by the way -- I 've never had a late payment in my entire 20 year relationship with the bank and always pay beyond the minimum due ). I told the representative to please provide me with evidence of any history as it is a mistake and she kept deflecting the issue. ( By the way, I watch my credit like a hawk as a fico.com member and all three of my scores are around XXXX ). 

Furthermore, the bank service is terrible as well. In one instance, I was in the process of notarizing a document at a bank, provided my identification, signed the document, and the XXXX customer service rep accused me of forgery. I had my SS #, license and birth certificate in hand and finally, XXXX of the bankers ' superiors was able to assist me and apologized for his colleagues lack of professionalism. Consequently, I will move my $ XXXX/month automatic draft, checking and credit services to XXXX. 

I 've had many peers tell me about Bank of A 's notoriety and frankly, I will encourage all of my peers to never bank with such a terrible institution. There are much better alternatives available.",,Consent provided,Web,2016-07-14,Closed with explanation,Yes,No,CR2013218,11976
2016-07-14,Credit card,,Cash advance,,,,Consent not provided,Web,2016-07-14,Closed,Yes,No,CR2011333,333
2016-07-14,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-07-14,Closed with monetary relief,Yes,No,CR2013045,11405
2016-07-13,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank Unsecured Business Credit Card Charged off. Eagle National Bank Recovery Services Debited my personal checking account for {$3000.00} on XXXX XXXX. Only leaving {$100.00} in my account. And XXXX was debited from business checking. I was under the assumption that they were required to leave sufficient funds XXXX for living expenses. I have made many attempts to reach the Recovery department. Calls never returned. They keep giving me the run around. I would like to at least get enough money returned to close out my bank accounts, as they are both overdrawn. Now I 'm unable to even close the accounts because of negative balance. They keep charging NSF fee 's.",,Consent provided,Web,2016-07-13,Closed with explanation,Yes,No,CR2011324,2188
2016-07-13,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,"Eagle National Bank would not grant me credit to open a credit card account - so they suggested I open a "" secured credit card '' by opening a certificate of deposit ( CD ) as a guarantee in the event I default payment on the account. 
I was additionally told I would be building credit and in essence be considered to open a credit card in the future, without needing to continue to have a deposit as a guarantee for the account. This was a lie. 
When I was denied a "" regular '' credit card, I selected to close my "" secured credit card '' and requested the certificate of deposit dollars be returned to me. 
The money has not been returned after two weeks of waiting. 
I have been told - after multiple hours on the telephone - numerous visits to the branch - that the money "" should '' be returned to me. 
How long am I expected to wait for my money? Am I being scammed? Am I going to be "" charged '' penalties? 
Eagle National Bank has zero organization. Their organization rips people off. I am tired of being given then run around by this brute of an organization. 
I want someone from Eagle National Bank who can tell me what the heck is going on and assure me my money is being returned!",,Consent provided,Web,2016-07-13,Closed with monetary relief,Yes,No,CR2011128,1060
2016-07-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"BK OF AMER ACCOUNT NUMBERs : XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX, DE XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BK OF AMER or any company associate with this account # XXXX, XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BK OF AMER or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX",,Consent provided,Web,2016-07-13,Closed with explanation,Yes,Yes,CR2011553,3184
2016-07-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. 
I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as when it was opened and the payment history as this account is unknown to me, i have no records of owning this account.",,Consent provided,Web,2016-07-13,Closed with explanation,Yes,No,CR2011107,5801
2016-07-13,Bank account or service,Checking account,Problems caused by my funds being low,,"I was assessed an overdraft fee by Eagle National Bank in the amount of {$35.00}, even though I deposited funds to cover the potential overdraft. These types of fees are completely unnecessary and exploitative. Big banks like Eagle National Bank, which earn XXXX dollars in revenue each year on the back of their hard-working customers, routinely exploit working people by charging unnecessary fees.",,Consent provided,Web,2016-07-13,Closed with monetary relief,Yes,No,CR2009818,4079
2016-07-13,Bank account or service,Checking account,"Account opening, closing, or management",,"My Banking Accounts were suddenly frozen/closed by my Bank without NOTICE nor release of my cash/money within my accounts. 
I have checking, savings, ATM/Debt card, XXXX credit cards, and Bill Pay service. 
I also have Social Security Direct Deposit into my checking which they now have my money. 

All of which suddenly NOT allowing me to access my accounts/money.","Older American, Servicemember",Consent provided,Web,2016-07-13,Closed with explanation,Yes,No,CR2011348,1123
2016-07-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XXXX XXXX, 2016, a check was FRAUDULENTLY issued by the Eagle National Bank Bill Payer check # XXXX to XXXX XXXX for {$30000.00} from my EN XXXX, the XXXX XXXX XXXX Living Trust Account, of which I am the Trustee. This Bill Payer check was mailed to : XXXX XXXX XXXX XXXX, XXXX, FL XXXX, a XXXX XXXX XXXX and was deposited on XXXX XXXX, 2016. 

The Eagle National Bank only notified me via US MAIL ( ltr dtd XXXX XXXX, 2016 ; received on XXXX XXXX, 2016 ) to contact their Fraud Department regarding online banking activities. I contacted them immediately upon receipt of the letter on XXXX XXXX, 2016. 

According to the EN Fraud Department, someone gained access to my online profile, despite anti-virus and security software. All the contact information ( phone, # 's email, mail address ) was changed, then there were numerous attempts to make several large FRAUDULENT Bill Payer transactions. I repeatedly advised the EN that ALL of this activity was FRAUDULENT ; and that I had been victimized by on-line ID theft. EN was notified that NONE OF THESE WERE AUTHORIZED, nor do I have any knowledge of these people, or how this theft occurred. 

The EN obviously suspected FRAUD on XXXX XXXX, 2016, yet failed to notify me in a timely and expeditious manner, such as email, phone calls or texts. Their failure to notify me immediately at my correct address, phone number and/or email resulted in this unusually large electronic transaction being completed without any opportunity to intervene with either the EN or XXXX XXXX. 

On XXXX XXXX, 2016, five days after making contact with the EN FRAUD Department, I received a letter from them via email, stating the case was closed ( ltr dtd XXXX/XXXX/2016 ). Incongruously, on XXXX XXXX, 2016, EN issued a STOP Payment confirmation for this {$30000.00} check DUE TO FRAUD. However, this overdue action did nothing to stop the theft and did not return the funds. There is no record of any other attempts made by EN to notify me via email, text or phone calls regarding this {$30000.00} FRAUD incident. 

On XXXX XXXX, 2016, I immediately re-contacted the EN and vehemently disputed the EN conclusion, which was "" that the transaction was authorized since it had used the same IP address, same cookies, same device ''. I repeatedly, vigorously stated that I had not authorized the transaction, nor allowed anyone else to. The computer in question is physically located in my home ; and no one had any physical access to this computer other than myself on the dates on which the FRAUDULENT Bill Payer transactions occurred on XXXX XXXX and XXXX. Furthermore, there is no history of such an unusually large electronic transaction on this account. 

Starting on XXXX XXXX, 2016, when this was first discussed with the EN, numerous EN personnel repeatedly assured me that ALL funds would be returned since this was clearly FRAUD. 

In addition to the {$30000.00} FRAUDULENT Bill Payer Check that EN mailed out, there were at least XXXX or XXXX other unusually large attempts according to EN for fraudulent theft of funds totaling another $ XXXX- XXXX by XXXX XXXX and XXXX XXXX via Bill Payer on ay XXXX, 2016. I am unsure of the total amounts since EN has failed to contact me in a full and timely manner. They have failed to return my phone calls, nor responded to certified mail, delivered on XXXX XXXX, 2016 ( signature confirmed ). EN failed to communicate with me until I went into a branch office on XXXX XXXX. 

I filed a police report, notified the credit bureaus and filed an FTC ID theft Affidavit.",,Consent provided,Web,2016-07-13,Closed with explanation,Yes,Yes,CR2008629,3542
2016-07-13,Credit card,,Closing/Cancelling account,,"I have had a XXXX XXXX, Eagle National Bank Credit card since XX/XX/XXXX, this was a Platinum card with a credit limit of {$60000.00}. During the course of having said card, I have never missed a payment and my account was in good standing. My XXXX credit score went up a few points last week to XXXX. Sunday XXXX/XXXX/XXXX, I went to make a purchase and my card was declined, I immediately called EN and was informed that my account was closed and after days of phone calls, I was informed that "" it was a business decision to close my account ''. I inquired as to my XXXX rewards points and was informed that the points were forfeited upon account closure. I am seeking any form of assistance in this matter of EN and their unjust account closure and criminal act of stealing my reward points. Thank You.",,Consent provided,Web,2016-07-13,Closed with explanation,Yes,No,CR2010168,790
2016-07-13,Bank account or service,Checking account,Problems caused by my funds being low,,I 've been dealing with major overdraft charges every month from my bank and I. Any understand that every month my account is almost XXXX in the negative every month. For the last two to three years my account has never been possible longer than 2 months without occupying late fees and overdraft charges. I 've spoken to the bank reps and I 've visited my local branch.im reaching out to cfpb to see if they can dig deeper into the account and help me to start saving my money instead of just giving it away freely back to the bank.Eagle National Bank is one of the worse banks I have ever dealt with and I 'm ready to just close all my accounts and put my money in a credit union.,,Consent provided,Web,2016-07-13,Closed with explanation,Yes,No,CR2010266,693
2016-07-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"EN/TARGET ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you EN/TARGET or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : EN/TARGET or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX",,Consent provided,Web,2016-07-13,Closed with explanation,Yes,Yes,CR2011648,3906
2016-07-13,Credit card,,Late fee,,,,Consent not provided,Web,2016-07-13,Closed with monetary relief,Yes,Yes,CR2010232,4017
2016-07-13,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2016-07-14,Closed with explanation,Yes,No,CR2010213,3892
2016-07-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-07-13,Closed with explanation,Yes,No,CR2011407,11093
2016-07-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-13,Closed with explanation,Yes,No,CR2011238,8677
2016-07-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-14,Closed with explanation,Yes,No,CR2009876,2971
2016-07-13,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,Other,Web,2016-07-15,Closed with explanation,Yes,No,CR2011272,6299
2016-07-12,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank will charge you overdraft fees when an item is 'processing ' and has n't even cleared if it causes other items to be paid into overdraft. I do n't think that is fair I feel if an item has cleared and it has made your account short then you should be charged the overdraft fees ; an item being 'processed ' could be processing for days which would give you time to place more money in your account. In this day and age people are struggling to keep up with their bills and it is not fair. The item that was being processed was XXXX I was {$2.00} short I could have made up the difference of {$2.00}! Now I have XXXX {$35.00} overdraft fee charges which I ca n't make up! And of course they are not going to reverse them. And the other annoying thing is when I use my 'bank app ' it looks like I have enough money to cover the transactions not until I call they are telling me no there was an item processing that day even though it did n't clear until the next day ... see below ... I copied the transactions for you to see. I want the overdraft fees reversed and that way they process things changed! 
XXXX/XXXX/2016 Show additional information for activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX RECURRING activity type debit cards status type icon reconciled Reconciled. Select to mark activity type debit cards XXXX CHECKCARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX RECURRING as Cleared XXXX XXXX XXXX/XXXX/2016 Show additional information for activity type Keep the Change XXXX KEEP THE CHANGE TRANSFER CANCELED-LOW ACCT BALANCE activity type Keep the Change status type icon cleared Cleared. Select to mark activity type Keep the Change XXXX KEEP THE CHANGE TRANSFER CANCELED-LOW ACCT BALANCE as Reconciled XXXX XXXX XXXX/XXXX/2016 Show additional information for activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING DATE ... 
activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING DATE ... as Reconciled XXXX XXXX XXXX/XXXX/2016 Show additional information for activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING DATE ... 
activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING DATE ... as Reconciled XXXX XXXX XXXX/XXXX/2016 Show additional information for activity type other payment XXXX XXXX : ACHWITHDRL XXXX INDN : XXXX , XXXX XXXX ... 
activity type other payment status type icon reconciled Reconciled. Select to mark activity type other payment XXXX XXXX XXXX : ACHWITHDRL XXXX INDN : XXXX , XXXX XXXX ... as Cleared XXXX XXXX XXXX/XXXX/2016 Show additional information for activity type other payment XXXX XXXX XXXX : WEB PMTS ID : XXXX INDN : XXXX XXXX ID : XXXX WEB activity type other payment status type icon reconciled Reconciled. Select to mark activity type other payment -XXXX XXXX XXXX : WEB PMTS ID : XXXX INDN : XXXX XXXX ID : XXXX WEB as Cleared XXXX XXXX XXXX/XXXX/2016 Show additional information for activity type debit cards XXXX XXXX XXXX XX/XX/XXXX # XXXX PURCHASE XXXX XXXX XXXX XXXX XXXX activity type debit cards status type icon cleared Cleared. Select to mark activity type debit cards XXXX XXXX XXXX XX/XX/XXXX # XXXX PURCHASE XXXX XXXX XXXX XXXX XXXX as Reconciled XXXX XXXX",,Consent provided,Web,2016-07-12,Closed with monetary relief,Yes,No,CR2007790,2499
2016-07-12,Bank account or service,Checking account,Problems caused by my funds being low,,"I have been trying to work with EN for over 2 years on how they charge me fees, they continue change me fees when funds are in the account but when I a transaction comes in saying pending they go ahead and change fee if balance is low even if the transactions has not posted to the account so far I am up to XXXX in fees over the last to months, because I have a small business I cant close the account is up until my contact is up with government, When you speak with some manager they say they 're not to charge a fee until it post to the account, they change/post fees then post the payment putting you overdrawn prior to payment posting something needs to be done its XXXX seeing your money go to fees when you have funds in your account to cover some of these payments. 
I glad this is not my only bank.",,Consent provided,Web,2016-07-12,Closed with monetary relief,Yes,No,CR2008279,3120
2016-07-12,Bank account or service,Checking account,Using a debit or ATM card,,"I ordered a pair of boots from an online merchant which I never received. I followed up with the merchant many times and then realized it was a scam. I disputed with my bank, EN, and they refunded me the total amount, {$150.00}. I was told by the associate that this happens a lot and it would be no problem. About a month later I received a letter from EN saying that the transaction occurred more than 60 days ago so they would be reversing the refund. I was never told by the first associate that the date would be an issue. When I called in to inquire I was put on hold for 23 minutes and then told that there was nothing I could do that the money would be taken out of my account. The associate said, "" we 're a bank and we like money, so if there 's anyway to keep the money we are going to ''. He had someone whispering to him in the background on what to say and was not very helpful. At the time the claim was filed, EN knew it had been past 60 days since my original transaction and should be more upfront about the process. I feel like I am losing the {$150.00} all over again.",,Consent provided,Web,2016-07-12,Closed with explanation,Yes,No,CR2008227,3633
2016-07-12,Bank account or service,Checking account,"Account opening, closing, or management",,"I received an invitation from Eagle National Bank to open a Business checking account. I was offered a bonus of {$1000.00} after fulfilling a couple requirements as explained to me by the bank representative who helped me open this account. XXXX of the requirements was to open a Eagle National Bank Business credit card. I did go ahead and applied for the Eagle National Bankn XXXX credit card with an annual fees of {$75.00} and was approved. The bonus of {$1000.00} was to post to my account within XXXX8 weeks after fulfilling the requirements. After not receiving my bonus of {$1000.00} I called the bank to resolve the issue. I was notified by the representative that I had to spend {$2000.00} on the business credit card within a certain period of time to qualify for the bonus of {$1000.00} This requirement of spending {$2000.00} was never disclosed to me by the bank representative who helped me open the account at the branch office located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX. Only after being charged a monthly account fees of {$29.00} for several months I was told that the representative will open a case for me and this was in XXXX 2016. The case reference number is XXXX. After two months there has been no follow-up from Eagle National Bank to help me resolve this issue and they continue charging me {$29.00} monthly fees. I am very disappointed with the situation as I was not made aware of all the requirements for this bonus offer and the Bank constantly charging me a monthly fees while this case still has to be resolved and further no feedback from the bank in the last 60 days for an open case. A Bank of this stature can definitely do a better job of communication. I would like to receive my bonus of {$1000.00} asap and have this issue resolved at the earliest.",,Consent provided,Web,2016-07-12,Closed with monetary relief,Yes,No,CR2007837,8105
2016-07-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,I tried to close my XXXX IRA at Eagle National Bank 's XXXX XXXX and they told me it would cost {$75.00}. I currently have {$81.00} in the account. Please help.,,Consent provided,Web,2016-07-12,Closed with monetary relief,Yes,No,CR2009315,8726
2016-07-12,Credit card,,APR or interest rate,,"I am writing this letter due to what I believe to be misleading and perhaps fraudulent behavior of Eagle National Bank against the consumer regarding interest rates on balance transfers. I opened a Eagle National Bank credit card XX/XX/XXXX years ago because I was offered a promotional rate of 0 % interest on all charges until XXXX XXXX. I also took advantage of repeated 0 % promotional interest rates for balance transfers. In XXXX XXXX I transferred balances equaling {$3900.00}. As of my statement for XX/XX/XXXX- XX/XX/XXXX my balance were as follows {$1900.00}. XXXX purchases promotional rate until XXXX XXXX, balance transfer {$1500.00} promotional rate until XXXX XXXX, balance transfer XXXX promotional rate until XXXX XXXX. By my statement for XX/XX/XXXX- XX/XX/XXXX, it indicates that I had paid off all of my balance transfers. I received additional balance transfer offers which would not generate interest until XXXX XXXX so XX/XX/XXXX, I transferred {$5600.00} as indicated on my statement dated XX/XX/XXXX-XX/XX/XXXX. I later transferred additional money for a promotion lasting until XX/XX/XXXX. Therefore, I was shocked XX/XX/XXXX. when I started paying interest on my whole balance. I called and asked about my promotional rates on balance transfers, they said all of the balance transfers had been paid. When I did my balance transfers with them, I asked would there be something XXXX that would prevent me actually seeing the no interest rate promotions until XX/XX/XXXX and XX/XX/XXXX and was told no. The statements say that payments are allocated, "" If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimal Payment Due to the lowest APR balances first ( including transactions made after this statement. ) Payments in excess of your Total Minimum Payment will be applied to balances with higher APRs before balances with lower APRs. '' While, I paid some {$9000.00} on my credit card for the year, I thought I was making payments both on my purchases and on balance transfers. However, somehow BofA only applied my payments to my balance transfers exclusively at first so that I would not be able to take advantage of the promotion interest rate on the balance transfers which is what lured me into making the balance transfers. This is not explained on the statement, was n't told to me verbally when I asked and I do n't see such info on the tons of offers they keep sending me. This is slight of hand for the consumer. 
I hope you can help protect consumers like myself from such financial chicanery and shame on Eagle National Bank, a name with such a long legacy, in whom we should be able to trust.",,Consent provided,Web,2016-07-12,Closed with monetary relief,Yes,No,CR2008598,1271
2016-07-12,Credit card,,Late fee,,"On XXXX/XXXX/16 I used electronic "" Bill Pay '' at my bank, XXXX XXXX XXXX XXXX, to set up my credit card payment to Eagle National Bank, which was due on XXXX/XXXX/16. The due date, XX/XX/XXXX, was a Sunday and my bank, XXXX XXXX XXXX XXXX had XXXX & XXXX blocked out. I could not set up a payment to be paid on XXXX/XXXX/16. Therefore I set it up for Monday, XXXX/XXXX/16. Eagle National Bank did receive the payment on XXXX/XXXX/16. However, on XX/XX/XXXX they charged me a {$25.00}. late fee and {$6.00} interest for a total of {$31.00} in fees. I did n't realize that they had charged the fees in question until Friday XXXX/XXXX/16 because I was very, very busy in prior months and did n't have time to reconcile my account. My routine, in order to avoid late fees and/or interest, was to, upon receipt of the bill from EN go to my bank website and set up the payment to be paid on the due date for the amount of the statement balance. 
On XXXX/XXXX/16 I called EN and was told that they could n't reverse the fees because they had done a courtesy reversal XX/XX/XXXX for a payment that was 1 day late due to some XXXX thing that happened in which the payment did n't go through. I 'm glad that I just happened to check my account online the next day and realized that the payment had n't gone through. I acted on it immediately and EN reversed the late charge and interest. EN states that they can only do XXXX courtesy adjustment within a year. My issue is that this should not be treated as a courtesy adjustment ; my account should be credited for the amount of the fees by a higher up person that has the authority to do that. I feel the payment they received on Monday, XXXX/XXXX/16, was a timely payment since Sunday is not a legal banking day AND I WAS N'T ABLE TO SET UP THE PAYMENT USING A SUNDAY DATE AT MY BANK, XXXX XXXX XXXX XXXX "" BILL PAY '' WEBSITE, WHICH IS HOW I PAY ALL MY BILLS. SUNDAY WAS BLOCKED OUT. The rule that I remember regarding payments was that the Monday following a Sunday due date was considered timely. However, EN rep stated that I could have called them on Sunday, the due date, and even though they would n't have received the funds until Monday the payment would have been considered timely. For XXXX thing, I 'm not accustomed to making payments via the phone. I would have had to give account number and routing number in addition to other information that I do n't like to give over the phone. And for another thing, I did n't know it would make a difference ; I thought the payment would be considered timely on that Monday. 
Ironically, I had closed this account a month earlier and just happened to catch this late charge & interest before the final payment, which is due on XXXX/XXXX/16. I had the payment scheduled at my bank website for XX/XX/XXXX since XX/XX/XXXX again is a Sunday. Of course, now that I know I can make payment over the phone on the due date I will cancel the web payment since I certainly do n't want to be faced with a repeat of this nightmare. 
I am a low income individual and these fees will really hurt if not reversed.",Older American,Consent provided,Web,2016-07-12,Closed with monetary relief,Yes,No,CR2006757,3231
2016-07-12,Credit card,,Other fee,,"On XXXX/XXXX/XXXX a "" Small Balance Adjustment '' of {$0.00} was removed from my BankAmericard Cash Rewards Signature Visa card account. 
This transaction was quoted as a "" Small Balance Adjustment, Transaction Date : XXXX/XXXX/XXXX, Card Type : Visa and Transaction Type : Fees. 
As Eagle National Bank is aware similar "" Small Balance Adjustment '' fees have been removed from my account on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XX/XX/XXXX and again on XX/XX/XXXX. 
I was informed on many occasions by Eagle National Bank that this is a system error and given various dates as to when this system error will be corrected. 
Per XXXX XXXX, a Resolution Specialist at Eagle National Bank this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per XXXX XXXX, a Resolution Specialist at Eagle National Bank this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Eagle National Bank is still working on the issue and I should hear from them, Eagle National Bank within 60 days from XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Eagle National Bank is still working on the issue and I should hear from them, Eagle National Bank within 60 days from XXXX/XXXX/XXXX. 
As per information provided above this same error has occurred seven times in the last eight months. 
Per a recent letter dated XXXX XXXX, XXXX form Eagle National Bank, signed by XXXX XXXX, Eagle National Bank is diligently working to resolve the issue and is unable to provide a date on which the matter is to be resolved. The meaning of the word diligently, "" showing persistent and hard-working effort in doing something ''. This same issue have happened for the last 7 months. Please resolve this ongoing issue so I can use my Eagle National Bank Cash Rewards Signature Visa card account knowing I can trust Eagle National Bank to process by account in an error free environment. In your recent reply you indicated the problem exist because I continue to remit payments to the account although there is no balance owed and/or a credit balance exists on the account. If you diligently resolve the system error that is causing this small balance adjustment the matter would be resolved.",,Consent provided,Web,2016-07-12,Closed with monetary relief,Yes,No,CR2007708,4677
2016-07-12,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-07-12,Closed with monetary relief,Yes,No,CR2008689,427
2016-07-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I am the power of attorney on a Eagle National Bank checking account ( XXXX ) at the XXXX XXXX XXXX MD, bank center, which receives monthly deposits from Social Security. The owner of the account has a XXXX and qualifies for XXXX. He uses this money to pay for his food and transportation. For many, many years, the owner walked into the bank several times a week and took small cash withdrawals. He is well known to the bank staff since his XXXX is open and obvious. Suddenly, three months ago, the Bank refused to allow him to make any withdrawal without presenting a photo ID. He does not have a photo ID. His social worker tells me that he can not get a photo ID from XXXX XXXX without a birth certificate. At the same time, he can not get a birth certificate from vital records of the state where he was born without a photo ID. This Bank also refuses to give him a debit card unless he presents a photo ID. This shameful Bank should be penalized for withholding the owner 's cash under these circumstances. In addition, the Bank should waive the photo ID requires for this owner so that he can receive the cash needed to pay for his food. How many other XXXX persons are suffering from Eagle National Bank 's failure to reasonably accommodate them.",,Consent provided,Web,2016-07-11,Closed with non-monetary relief,Yes,No,CR2007561,334
2016-07-11,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited my paycheck to my checking account at Eagle National Bank, in the amount of {$1100.00}, on Friday, XXXX XXXX, 2016, at XXXX. On my receipt, it indicated that my funds would not be available until XXXX XXXX, 2016, at XXXX. 
Since I am the XXXX at my place of employment and handle the XXXX, checked our bank account when I got to work today ( Monday, XXXX XXXX ) and I see that the money for my paycheck was deducted from the account on XXXX XXXX, 2016. So, Eagle National Bank has had my money since Friday, and will not let me have it until tomorrow at XXXX. I called my branch, and all they said was "" it 's based on your relationship with the bank. '' I 've had this account for about a month, so what relationship? I asked her what they do with my money for three days and she said "" we do n't have it. '' "" Then where is it? '' I asked. "" I do n't know. '' She said. Seriously? She also said, "" Well, the check could still be returned. '' "" Really? After you already have the money? '' This wrong and they should not be allowed to do this.",,Consent provided,Web,2016-07-11,Closed with explanation,Yes,No,CR2006362,2468
2016-07-11,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a checking account with EN under an promotion for a {$300.00} credit with a new checking account and qualifying direct deposits in 90 days of opening. I was very careful to fulfill ALL terms of the promotion, but the {$300.00} was not credited to my account. 

Over a period of 3 months, I made numerous attempts in writing and by phone with customer service representatives, but simply got the runaround. I received no response or return communication despite escalation attempts.",,Consent provided,Web,2016-07-11,Closed with monetary relief,Yes,No,CR2005571,2125
2016-07-11,Bank account or service,Checking account,"Account opening, closing, or management",,"I wired money with Eagle National Bank. on XXXX XXXX, 2016. I provided the information they requested. I called them today to inquire about the status and they said it did not go through because there was an "" ABIN '' that was required but BAO did not ask me for when we sent the wire. 
EN returned a portion of the money to my account but kept {$40.00}. I called EN to inquire but they were rude and the person that handled my call placed me on hold for 45 minutes and never returned to the call. I spoke with a supervisor ( XXXX ) who was extremely rude and unprofessional. She talked down to me and insulted me. 

She refused to help whatsoever and said that I should call the bank on the receiving end to find out what the issue was. I paid EN to do the money wire and provided them with the information they requested. They failed to wire money and now they are failing to return all my money and I lost {$40.00} for their failure to do their job. 

They should know what information is required for the wire.",,Consent provided,Web,2016-07-11,Closed with explanation,Yes,No,CR2005771,6367
2016-07-11,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-07-11,Closed with explanation,Yes,No,CR2005835,3392
2016-07-11,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-07-11,Closed with explanation,Yes,No,CR2006024,2346
2016-07-11,Credit card,,Other,,,,Consent not provided,Web,2016-07-11,Closed with non-monetary relief,Yes,No,CR2007179,3562
2016-07-11,Credit card,,Other,,,,Consent not provided,Web,2016-07-11,Closed with non-monetary relief,Yes,No,CR2007282,1661
2016-07-11,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-07-11,Closed with explanation,Yes,No,CR2007546,4253
2016-07-10,Credit card,,Billing disputes,,Eagle National Bank charged me interest on new purchases in the same statement cycle they were made despite the fact that I paid my previous balance ( a 0 % balance transfer offer not expiring for another month ) in full.,,Consent provided,Web,2016-07-10,Closed with monetary relief,Yes,No,CR2005363,2875
2016-07-10,Credit card,,Closing/Cancelling account,,"Eagle National Bank closed my credit card account in error. On XXXX/XXXX/16 I inquired about an APR reduction on my credit card account as I had excellent payment history, a long-term established relationship with an account that is twelve years old, consistently increased income and credit score over the past several years. My request was declined but I requested to speak with a supervisor for a secondary review and was promised a call back within one to two business days. On XX/XX/2016 I received a call back from a supervisor regarding the XXXX reduction and was declined a second time. During the call I discovered my current card had expired in XX/XX/XXXX so at the end of the conversation with the supervisor I requested to close the card until I could locate the new card that was mailed to me. After failing to locate the new card I logged in to my account to see if there was an option to order a card with a new number. At that time I noticed my credit availability had disappeared on the screen so I called Eagle National Bank and was informed that I had closed my account and they were not able to issue me a new card with a new number. I attempted to resolve the issue though several managers but was told that I must go through the credit approval process ( providing updated personal information as well as a potential inquiry into my credit report ) to reopen the card. I explained to several managers this situation that occurred and that this account had been closed in error. All representatives were unwilling to help and insisted that I go through the approval process which would possibly count as an inquiry on my credit report.",,Consent provided,Web,2016-07-10,Closed with explanation,Yes,Yes,CR2005333,2137
2016-07-10,Credit card,,Identity theft / Fraud / Embezzlement,,I am a victim of identity theft. Someone stole and used my personal information to open up a credit card account with Eagle National Bank. The account is unauthorized and fraudulent. I have never applied for a credit card account with Eagle National Bank.,Servicemember,Consent provided,Web,2016-07-10,Closed with explanation,Yes,No,CR2005317,1181
2016-07-10,Credit card,,Transaction issue,,"On XXXX XXXX, I completed a XXXX transaction with my credit card knowing that the pound to dollar exchange rate fell to XXXX after the XXXX vote. The transaction was executed by University XXXX on the XXXX and posted by Eagle National Bank on the XXXX. Eagle National Bank charged me {$7100.00} for the transaction which translates to an exchange rate of XXXX. The difference in rates led to me being overcharged {$330.00} on the transaction. Even if you use the exchange rate on the XXXX ( posting date ) the difference is even higher. My credit card with B of A has a provision of no forex fees so the difference is not a fee ( I have done these before ). I was over charged at least {$330.00} on a single transaction. I have attached documentation to support. Thank you, XXXX XXXX, XXXX XXXX XXXX",,Consent provided,Web,2016-07-10,Closed with explanation,Yes,No,CR2005124,4675
2016-07-10,Credit card,,Advertising and marketing,,,,Consent not provided,Web,2016-07-10,Closed with explanation,Yes,Yes,CR2005335,3445
2016-07-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-10,Closed with explanation,Yes,No,CR2005500,774
2016-07-09,Bank account or service,Savings account,Deposits and withdrawals,,"I let someone mail a large cashier 's check to Eagle National Bank for deposit into to my savings account amount of {$45000.00}. On XXXX/XXXX/2016, I saw the deposit in my Eagle National Bank savings Account on my online page, the status was processing at that time. I went to the bank branch I use and asked The Financial Center Manager, XXXX XXXX, if she could tell me how the money was deposited, by check or wire transfer etc. She said she could n't tell at that time but would be able to in another day or so. She said then that the money showed as being available. I told her that it still showed as being processing and I would wait until it said it had cleared, before doing anything with the money. I told the person who mailed the check, that once it cleared I would transfer it to them. 
The next day XXXX/XXXX/2016 I checked my online account and the deposit status now said cleared. I then went to the bank and transferred {$24000.00} to another Eagle National Bank account as requested. I also verified with the teller, XXXX XXXX, that the account number I was transferring it to matched the name of the person I was requested to transfer it to, she said it did. Two days later, on XXXX/XXXX/2016, I took another large portion {$21000.00}, out as a cashier 's check to deposit to a XXXX XXXX account in the same person 's name as the B of A account I transferred the first amount to. 
I would not have touched the money if the Financial center operations manager, XXXX XXXX, and the teller, XXXX XXXX, had not told me that the check was cleared and I verified verbally with them that cleared meant the money was in my account, the check could not be cancelled they could not take it back from my account. XXXX XXXX said that was correct. I based my actions on their advice and expertise, and counted on the bank to have performed their due diligence. 
Later in the evening on Friday XXXX/XXXX/2016 I saw in my online account an entry of a debit hold that was processing to remove the {$45000.00} from my account in pending status. I immediately called the 24 hour support line to ask what was going on and was told XXXX was returning the check unpaid ; but, they had no other information available. 
I went to the bank the next morning Saturday XXXX/XXXX/2016 as soon as they opened. I spoke to the Financial Center Assistant Manager, XXXX, I showed him the pending debit and the transfer/ deposit slips to B of A and XXXX XXXX . I showed him that the one from XXXX XXXX showed that the funds would not be available to the account holder until XXXX/XXXX/2016 that same day. I asked XXXX that if there was a problem with the check that had already cleared then he needed to reverse the transfer to the B of A account and call XXXX XXXX and cancel the cashier 's check. He instead contacted their fraud dept. and then told me that the fraud dept. was not open until the following Monday XXXX/XXXX/2016 and I would need to wait until then to open a fraud claim. He did n't do either of the things I asked him to do. 
I still think it 's the bank 's fault for telling me the deposit had cleared and made the money available to me and now after they let me transfer more than half of the money to another Eagle National Bank account and two days later take another large portion {$21000.00}, out as a cashier 's check to deposit it to the same persons XXXX XXXX account. Now they are trying to reverse the deposit and are calling it a chargeback. I want to know how the cashiers check could have been paid to XXXX XXXX if the money was not in my account. Eagle National Bank should have returned it to XXXX XXXX as unpaid. 
I do n't care about the {$45000.00} I just want my amount {$7500.00} back and for them to agree I do n't owe them that money. I counted on them to do their job and verify that the check from XXXX was real and good ; they did and said it had cleared.Now they are saying XXXX refused it",Servicemember,Consent provided,Web,2016-07-09,Closed with explanation,Yes,Yes,CR2005230,9403
2016-07-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"On XXXX XXXX, 2016 Eagle National Bank had a promotion filter on Snap Chat. It appeared to be a picture of a donkey that would face swap with the user and the donkey was holding a mobile phone with a Eagle National Bank logo shown on it. My problem with the filter is that Eagle National Bank did not disclose itself as an "" Equal Housing Lender '' but notified a user that is was a member of the FDIC. Is Eagle National Bank no longer an "" Equal Housing Lender '' and discriminating? After seeing this I would probably not open an account there or apply for a refinance and I am currently in the market for a new Bank as I believe XXXX has significant UDAAP violations that are not being addressed through the complaint process. In addition, I am confused by the filter advertisement - is Eagle National Bank announcing that it is filled with a bunch of Donkeys? A picture of the Snap Chat filter is attached to this complaint for reference purposes.",,Consent provided,Web,2016-07-09,Closed with explanation,Yes,Yes,CR2005057,5254
2016-07-09,Bank account or service,Checking account,"Account opening, closing, or management",,"I closed my account in person at the XXXX, NJ Eagle National Bank branch months ago. Then a month later I received a statement in the mail showing I had a negative balance for account # XXXX. I called and spoke with a representative and they assured me they fixed the error and I would not receive anymore such statements. Today I received another statement for this account showing a negative balance of XXXX dollars due to maintenance fees on an account that was supposed to be closed! I do n't know what else to do!",,Consent provided,Web,2016-07-09,Closed with non-monetary relief,Yes,No,CR2005035,2819
2016-07-09,Credit card,,Late fee,,"I was issued late fees to my Target Red Card account despite payments. On XXXX XXXX, 2015, I made a payment to my Red Card account. Despite my payment, in XXXX, I was issued a late fee on XXXX/XXXX/2015. Then, I made another payment on XXXX/XXXX/2015 ; I was again issued an even greater late fee on XXXX/XXXX/2015. I made payments in both XXXX and XXXX 2015, but I was issued late fees in XXXX and XXXX XXXX would like these reversed immediately, including any interest charged in the months since on these disputed fees.",,Consent provided,Web,2016-07-09,Closed with explanation,Yes,No,CR2005255,6452
2016-07-08,Bank account or service,Checking account,Deposits and withdrawals,,"Hi, I deposited a couple of checks on XXXX/XXXX/2016 for amount of XXXX $ and the bank made the amount available with in a time of 10 mins, but i waited one day to draw the amount after three business days the bank saying the checks are rejected and deducted money from my account. 
As per the rules, if the amount is more than {$200.00} the amount should not be available until the checks are cleared. 

I tried couple of times to speak with Eagle National Bank customer care, they are not responding, Simply placing my call on hold. After a couple of attempts I got one guy he said, we are sorry for that we would give you {$24.00} the fee which was taken for the rejection checks.And some are saying based on our relation we make the amount available with out clearing the checks. 

I lost {$2300.00} because of their fault, I went to deposit the checks in the bank, the bank teller make me to deposit in the atm and after three business days they said the checks got rejected. please help me on this issue.",,Consent provided,Web,2016-07-08,Closed with explanation,Yes,Yes,CR2002697,666
2016-07-08,Bank account or service,Checking account,Deposits and withdrawals,,"I was a victim of a scam from applying for a job on XXXX and the day I applied the sit was reported as a scam, yet I was never notified, I took the check in hopes that this was a good check and I had a job. I let Eagle National Bank know my concerns with the check and how I received it, they had it on hold and I talked to several different employees and they reassured me the check was in good standing, I went down to my local Eagle National Bank branch in XXXX, Ca and was explaining to the teller how I go this job and the check and how I was concerned about it she assured me that the check had cleared, I took out the money and then left the bank I was informed to go back into the bank and go to a different teller to deposit the money into another Eagle National Bank account, I told the teller he wanted to me to go to a different employee to deposit the money she said no I can help and so I explained to her the situation and she finished the transaction. I have been to the FBI and have made police reports and have wrote the XXXX.I notified the bank that day at XXXX on XXXX XXXX 2016 and reported the account I had deposited the money into and called the bank of the check that was sent to me, the account had been red flagged due to frudulent activity and the check was no good. Since thisI had my tax return that was going into there that I could n't change but was told since the account was closed it would be rejected and a check would be issued out to me. Today XXXX XXXX, 2016 I had gotten a call from Eagle National Bank informing me that XXXX was wrong about my account being closed that in fact it was closed. However I have a letter stating to me that is dated on the XXXX of XXXX that my account has been, and my last statement that does n't show the money coming in. This does n't seem right to me and the Police officer and FBI agent suggested that Eagle National Bank had not caught this and should have been aware ; and as a result I am suffering over {$4000.00} and plus is financial loss.",,Consent provided,Web,2016-07-08,Closed with monetary relief,Yes,No,CR2003508,2499
2016-07-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My bank sends me spam that they claim is "" non-promotional '' email, even though it is clearly solely to promote their mobile banking product which I do not use and have no interest in using. The only apparent way to stop it is to revert to paper as I am already opted out of all marketing. NOT ACCEPTABLE. If they lie about this being "" non-promotional '', what else are they lying about?",,Consent provided,Web,2016-07-08,Closed with explanation,Yes,No,CR2003767,2084
2016-07-08,Bank account or service,Checking account,Deposits and withdrawals,,"The IRS sent my XXXX Income Tax Refund to my account ( correct account numbers have repeatedly been verified with both the IRS and Eagle National Bank ) with Eagle National Bank via Electronic Direct Deposit in XXXX of XXXX. The IRS has steadily stated throughout their investigation until the end that Eagle National Bank has misplaced my Income Tax Refund. I have encountered several rude and disinterested Eagle National Bank Customer Service Representatives and Managers that have continuously stated that the IRS had never sent the refund, there is nothing further that Eagle National Bank can do about it and that I need to contact the IRS. Other representatives of Eagle National Bank just did not follow through and/or they claimed that their hands were tied. Today in XXXX XXXX, Eagle National Bank still refuses to investigate past what can be seen in front of them on a computer screen, will not escalate my complaint higher up the ladder until issue is resolved and continues to point the finger at the IRS. Eagle National Bank seems to have a lack of communication connection throughout their institution. I have experienced this fact in several instances through this bad situation. My Direct Deposited Income Tax Refunds in the past have always entered my account on the date that the IRS has stated. I have been a customer of Eagle National Bank for many years but I was treated as if I were nobody to them. My Income Tax Refund may be pennies and nothing to Eagle National Bank but it was gold to me, I depended on that money and this has created a negative downward spiral effect in my life and Eagle National Bank has proved that they could care less.",,Consent provided,Web,2016-07-08,Closed with monetary relief,Yes,No,CR2001933,3250
2016-07-08,Credit card,,Transaction issue,,"On XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX regarding my complaint. During our conversation, we discussed that I contacted us by telephone on XXXX XXXX, XXXX, to open a billing dispute claim for the transaction in the amount of {$41000.00} from XXXX training that posted on XXXX XXXX, XXXX. At that time, I informed us that I will not attended the XXXX and I want to cancelled the entire amount of the transaction on XXXX XXXX, XXXX. The Company said that, on XXXX XXXX, XXXX, they offered me a 10 % discount and as of today, I am still waiting for the refund and the additional refund for the XXXX over transactions XXXX for {$990.00} and {$1900.00} still not showing on my account yet a total refund of {$40000.00}. Every time I contact them they told me the refund was send and I just think they just liar to me and they will never refund me my money.",,Consent provided,Web,2016-07-08,Closed with explanation,Yes,Yes,CR2004829,3448
2016-07-08,Credit card,,Customer service / Customer relations,,"To Whom It May Concern : I 'd like to register this complaint regarding my past XXXX and initial phone calls to Eagle National Bank Credit Card services. I recently opened a line of credit with them and have been wanting to do a balance transfer. XXXX call was made 2 weeks ago, XXXX calls have been placed this week, XXXX two days ago during evening and XXXX a few minutes ago, a Friday afternoon. I was told by an automated system message that the waiting time was between XXXX to over 2 hours. Last time I was told the same and offered a callback. This lack of service must be in violation of the company/corporations minimal service threshold. As a XXXX who helped push for the creation of the CFPB, I seek your help in having this issue addressed or filed.",,Consent provided,Web,2016-07-11,Closed with explanation,Yes,No,CR2004516,1349
2016-07-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"On XXXX XXXX, 2016 my aunt passed away who had XXXX bank accounts with Eagle National Bank. Prior to her passing she told me that me & my son were named beneficiaries to all XXXX accounts plus others in other banks. On XXXX XXXX, 2016 my son & I went into the EN XXXX XXXX, NY branch to claim the accounts. We were told by the customer service rep that we were not the beneficiaries & that there were none listed & that we would need to go to XXXX Court to get Letters of Testementary to be able to get any information on these accounts. Since these accounts were totaling over XXXX we had no choice but to hire a Law Firm to handle the estate. The law Firm had to contact all immed family member plus the witnesses to the will & this caused much hardships for me & my son. After 3-4 months I was finally named Administrator of my aunts estate & given the paperwork from the NY XXXX Court that was needed to handle Eagle National Bank. I went into Eagle National Bank in XXXX XXXX, NY XXXX after leaving my lawyers office to close out these XXXX accounts & I requested to see all beneficiary forms attached to these accounts. At 1st the customer service rep tried telling me I had no right to see them, even with my letters of Testementary from the XXXX court. I called my Lawyer XXXX who did not agree with the bank & the Rep went to confer with the Bank Manager. He then came back & apologized that an error occurred. And showed me there in fact were Beneficiary forms for all XXXX accounts & that me & my son were the named beneficiarys. The original person made an error. I informed the bank of the Legal expenses I occurred from their mistake & told them I wanted to be reimbursed for those expenses ... They handed me a check made out to the estate of my aunt at that time as well, even after finding out there were in fact beneficiaries. They contacted their legal department & said I would hear back in a few days. My lawyer made me go back & demand payment to the beneficiarys as that is how payment should have been applied to begin with. The legal department 2 days later agreed to make XXXX checks to the beneficiaries and replaced the checks correctly. The legal department requested that my lawyer send them an invoice for services rendered for the estate. Which he did. They further asked for documentation of all work conducted & paid on the estate. Today my lawyer called me to say Eagle National Banks legal department decision is to not pay my legal fee 's incurred by their mistake and is trying to say that I would have needed to go to probate anyway and refuses to pay me my legal fee 's for their error. I can only imagine it is due to seeing her will which nothing actually passed thru, which we sent them a copy of. There is nothing else in the estate as all the other bank accounts were named beneficiaies to me and my son, her house was owned as rights of survivorship with me. I am filing my inventory with the XXXX court next week that has a XXXX balance of inventory as there is nothing in the estate.",Older American,Consent provided,Web,2016-07-08,Closed with non-monetary relief,Yes,No,CR2004863,2422
2016-07-08,Credit card,,Sale of account,,,,Consent not provided,Web,2016-07-11,Closed with explanation,Yes,Yes,CR2002238,10510
2016-07-08,Credit card,,Advertising and marketing,,,,Consent not provided,Web,2016-07-08,Closed with monetary relief,Yes,Yes,CR2004933,1460
2016-07-08,Credit card,,Balance transfer,,,,Consent not provided,Web,2016-07-08,Closed with explanation,Yes,No,CR2003517,1907
2016-07-08,Credit card,,Other fee,,,,Consent not provided,Web,2016-07-08,Closed with monetary relief,Yes,No,CR2003523,1107
2016-07-08,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-07-08,Closed with monetary relief,Yes,No,CR2003671,3659
2016-07-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-07-11,Closed with explanation,Yes,No,CR2003603,1601
2016-07-08,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-07-19,Closed with explanation,Yes,No,CR2004910,3952
2016-07-08,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,Consent not provided,Web,2016-07-08,Closed with monetary relief,Yes,No,CR2004260,3669
2016-07-07,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I opened my account with Eagle National Bank in 2008. At that point in time, I opened a checking, savings and credit card account. Since 2008, I have been a loyal BofA customer. I 've moved several times and always kept all of my accounts. In fact, I have often heard folks complain about BofA and defended them. Until today. On XXXX XXXX, I set a travel notice with BofA for all of my accounts, including my credit card. Since I opened my account nearly 10 years ago, I called to be sure that I would not incur any fees if I used my credit or debit card while traveling in XXXX for 4 days. I was assured that I was all set, I could use my card as normal and would not incur any fees. Great! 

Then I get home. I go online to my online banking to compare my receipts with my charges since there is an exchange rate in XXXX. To my surprise, every single transaction had a fee attached to it. Some as high as {$3.00} AND the hotel has not even credited yet so I am already anticipating one up to {$20.00}. So I think, well this must be a mistake I 'll give them a call. 

The woman I spoke to was absolutely deplorable. If I had a dollar for every time she told me "" the fees are valid '' I would not have to worry about fees. I explained to her that I had called, that I was a loyal customer and I was simply wondering why I was told incorrect information and hoping that BankofAmerica would do right by me. She proceeded to tell me that I should have read the information given to me in 2008 when I opened my account and there was nothing she could do. This was, of course, after waiting on hold for nearly an hour and waiting then for her to "" look up my account '' for 15+ minutes. I think it is disgusting that an institution would take advantage of their customers so much. She had the nerve to tell me "" Oh yes I see fees, they are small but they are there. '' Minimizing my issue wo n't get you anywhere.",,Consent provided,Web,2016-07-07,Closed with explanation,Yes,No,CR1999201,1271
2016-07-07,Bank account or service,Checking account,Deposits and withdrawals,,"My checking account information with Eagle National Bank was taken by thief 's. The thief 's began to present unauthorized and unsigned checks to BofA against the account. Once we identified what was happening we met with a bank representative in the branch office and withdrew all the remaining cash from the account and confirmed the overdraft protection would be turned off so that any future checks presented on the account would be returned non-sufficient funds. We then made an appointment to come back next week to close out the account. When we came to close the account we were informed the thief 's had presented additional checks and they were honored AND we had additional overdraft fees as a result. BofA informed us that we could not close out the account because the account was now in a negative balance ( due to the checks that were honored and the overdraft fees ). They informed us that unless we pay them {$450.00} they will continue to assess fees, continue to honor bogus checks, and pursue the balance including assigning this to a collection agency.",Older American,Consent provided,Web,2016-07-08,Closed with explanation,Yes,Yes,CR2001537,289
2016-07-07,Bank account or service,Savings account,"Account opening, closing, or management",,"My step-mother had XXXX. She had a savings account in her name only with my father as POD. There has been an ongoing feud between my step-mother 's daughters and my father. My step-mother 's oldest daughter had a POA ( Power of Attorney ) for her mother that was nullified on her death. She died around XXXX with an official time of death being XXXX on XXXX 2016 ( due to the time it took the coroner to arrive at her home ). While my father grieved for his loss, the oldest daughter withdrew all the money in this account and transferred it to her personal account. We notified the bank of her death on XXXX/XXXX/2016 and proceeded to close out the other bank accounts. However, the bank missed this account and kept it open. The final amount of money was transferred to the oldest daughter 's account on XXXX - 1 day after the bank was notified of her death. The {$4000.00} in the account disappeared and there was nothing left for my father upon his wife 's death. The bank was Eagle National Bank and I believe they made a mistake by not putting a hold on all accounts in my step-mother 's name, which allowed her daughter 's to remove the money ( legally belonging to my father ) on the day of her death and the following days after the bank was notified of her death. Now Eagle National Bank will not answer any of our questions related to this account because my father was not a signer on the account. My father has XXXX and can not speak for himself any longer. We have statements that show withdrawals from this account {$3500.00} on XXXX and {$470.00} on XXXX - all after my step-mother 's death. The balance on the day of her death was {$3900.00} and my father got none of this money. Is Eagle National Bank responsible for restitution since they did n't put a hold on the account upon hearing of her death? Can we get our money from B of A or do we have to sue the step-daughters? The estate department at B of A will not respond to any questions - because my father was not on the account, but also because they know they messed up by not putting a hold on the account when they learned of the death on XXXX XXXX.",Older American,Consent provided,Web,2016-07-08,Closed with explanation,Yes,No,CR2001347,3963
2016-07-07,Bank account or service,Checking account,"Account opening, closing, or management",,"This complaint is in follow-up to CFPB Complaint Number XXXX. 

The response from Eagle National Bank does not address the original complaint. While Eagle National Bank can release the joint account information ( accounts ending in XXXX and XXXX ) to the other co-owner of these accounts, I did not give Eagle National Bank permission to release my personal account information ( accounts ending in XXXX and XXXX ) to any third party and Eagle National Bank has not proved otherwise. 

My disputes with Eagle National Bank 's response are as follows : 1 ) Eagle National Bank provided a signature card for the account ending in XXXX showing joint ownership for this account. This fact is not in dispute. Eagle National Bank did not show signature cards for the accounts ending in XXXX and XXXX which were personal accounts opened in XX/XX/XXXX and closed in XX/XX/XXXX. 
2 ) Eagle National Bank provided a Deposit Agreement and Disclosures document, effective XXXX XXXX, XXXX. The accounts and bank statements in question were all opened at the same time in XX/XX/XXXX. The XX/XX/XXXX rules were not in effect in XX/XX/XXXX. 
3 ) The consolidated statements that list all XXXX accounts was created by me for my personal convenience, doing so did not Eagle National Bank permission to release private account information to any third party. The consolidated statements were addressed and mailed to me monthly XX/XX/XXXX through XX/XX/XXXX. These consolidated statements were never shared with the co-owner of the joint account because that person was not entitled and still is n't entitled to my personal account information, doing so eight years later is a breach of identify theft. These consolidated statements unless redacted of all personal financial information can not be now sent to a third party, eight years later without my consent.",,Consent provided,Web,2016-07-07,Closed with explanation,Yes,Yes,CR2001673,5642
2016-07-07,Credit card,,Billing disputes,,"I am reporting predatory business practice by Eagle National Bank, Alaska XXXX credit card. I have had the same card in the past and experience the same practice but was working, and it was easier to pay it versus fight it. Now I have encountered the same predatory practice and am filing a complaint because I can not afford the charge. 
I contacted XXXX XXXX XXXX on XXXX/XXXX/2016 informing them I wanted to stop automatic charge to the above credit card company informing them of the plan to cancel the account. I requested paper billing and they agreed. At that time I also pointed out a discrepancy in the agreed monthly charge and they made the adjustment. 
I then contacted Eagle National Bank on XXXX/XXXX/2016. I explained about my recent XXXX and my desire to pay the balance including any charges accrued up to that date. I gave them my checking account information and paid the amount stated which was {$4200.00}. I told the person I did not want to receive a bill later with some charge as was my experience in the past. I was told I would not, as the amount due was complete. 
The next month I received a bill from Eagle National Bank stating XXXX XXXX XXXX had charged the monthly fee and then an interest fee of {$41.00} was added! I called Eagle National Bank and informed them of the failure of both companies to do what they had agreed to do. The person told me to contact XXXX XXXX XXXX. I tried and was placed on hold. 
On XXXX/XXXX/16 I receive an email from my credit protection services informing me Eagle National Bank had made a negative notation on my credit report. I received a bill from Eagle National Bank recently with the "" interest '' charge of {$41.00}. It 's interesting to me they charged this amount after the account was closed based on a non-authorized charge from XXXX XXXX XXXX. The charge from XXXX XXXX XXXX had been removed. 
I am very upset. It is known, many people who work full time do n't have the time to dispute fraudulent charges and go ahead and pay these type of charges resulting in millions of dollars in profits to these companies. I am now XXXX, can not afford to pay for this fraud and will not.",,Consent provided,Web,2016-07-08,Closed with non-monetary relief,Yes,No,CR2002546,4300
2016-07-07,Credit card,,Late fee,,"I have a Eagle National Bank ( EN ) credit card. I enrolled in EN 's "" e-Bills Automatic/Reccuring payments '' which automatically "" Delivers the payment on the due date. '' The most recent payment due date was XXXX XXXX, 2016. I received confirmation that "" The payment of {$250.00} will be delivered by XXXX/XXXX/2016 with confirmation number [ ... ] ''. EN then processed my payment on XXXX XXXX, 2016, stating "" This payment was transmitted electronically to Eagle National Bank Credit Card on XXXX/XXXX/2016. '' However, EN did not actually withdraw funds from my checking account until XXXX XXXX, 2016. As a result, EN charged me a Late Payment Fee of {$25.00}.",,Consent provided,Web,2016-07-08,Closed with non-monetary relief,Yes,No,CR2001291,2049
2016-07-07,Bank account or service,Checking account,Problems caused by my funds being low,,Eagle National Bank is charging multiple overdraft fees totaling to {$170.00}. The bank account never went negative on there balance transaction sheets. I do n't see how this legal. I have attached a pdf of the account. I need this to be resolved.,,Consent provided,Web,2016-07-07,Closed with monetary relief,Yes,No,CR2001555,2933
2016-07-07,Credit card,,Other,,,,Consent not provided,Web,2016-07-07,Closed with monetary relief,Yes,Yes,CR2002812,1032
2016-07-07,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2016-07-07,Closed with monetary relief,Yes,No,CR2002981,515
2016-07-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-07-07,Closed with monetary relief,Yes,No,CR2002372,122
2016-07-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-07,Closed with explanation,Yes,No,CR2000397,3767
2016-07-06,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX/XXXX/XXXX a check was submitted for withdrawal for {$1400.00} leaving a balance of {$300.00} however it was returned. A fee of {$35.00} was taken from my account leaving a balance of {$300.00} on. XXXX/XXXX/2016. 
On XXXX/XXXX/2016 it was returned back into account leaving a balance of {$1700.00}. 
It should have never been an insufficient returned check nor charged.it was embarrassing. To have my first months rent returned when the money was available. 
I would like my {$35.00} returned into my account.",,Consent provided,Web,2016-07-06,Closed with monetary relief,Yes,No,CR1997738,4695
2016-07-06,Credit card,,Late fee,,Eagle National Bank attempting to change terms of closed credit card. This is prohibited under CARD Act. I do not consent to an increase in late payment fee detailed in the XXXX 2016 notice.,,Consent provided,Web,2016-07-06,Closed with explanation,Yes,Yes,CR2000930,4399
2016-07-06,Credit card,,Balance transfer,,"I continue to get statements from spirit credit card which FAIL TO BREAK OUT BALANCE TRANSFER. So I get a demand for payment but it does not say, this portion you will owe on XX/XX/XXXX or it will suddenly jump up from XXXX percent interest to 18.9 % .. 
THIS PORTION YOU OWE FOR CURRENT CHARGES. As an elderly person I believe this is confusing and needs clarification. And if it takes some regulations promulgated by your department to get it done so be it. 
When I called on XXXX/XXXX/XXXX to ask a Spirit representative how much is in the balance transfer suspense, she suddenly said I owe {$4000.00} when i have been receiving monthly statements for less than 1/2 of that amount as a total amount due and I never transferred more than {$2000.00}. 
then I asked her specifically what amount do I have in a suspended balance transfer account that she said is due XXXX XXXX. When she started reading me a cue card about the rate, I POLITELY asked for a supervisor. Having supervised a nationwide credit agency I know most of the tricks if they get mad or you happen to ask for a supervisor. Well the young woman said she would put a supervisor on the telephone. Instead, my phone began to loudly ring, like a phone ringing. It continued for several minutes without anyone answering the phone and of course after ten minutes or so I realized that no one was going to answer a reverse phone ring. 
So I have a XXXX part complaint. 1st, failure to divide the billing between current and suspended balance transfer, so I know how much I need to pay and when I need to pay it. It should come in monthly on my statement. And attempts to find out should not result in the "" treatment. '' 2. Fraud on the part of the creditor when asking politely to speak to a manager, I got the "" treatment. '' I would like CFPB to require Spirit to provide the letters they send out which should be on the monthly statement highlighting the balance transfer information a consumer receives. 
Next I would like the CFPB to review the SOP Next I would like the CFPB to review the recordings that Spirit claims its representatives are taping when on a call to myself, to see how often the call results in the "" treatment. '' As former XXXX XXXX XXXX for XXXX XXXX, XXXX Texas I can tell you I personally witnessed and overheard people who the collector did not want to talk to get an extension rattled loudly in a trash can. Was I disturbed by it. Yes, yes I was. 
While Spirit ; s response is tamer, it is unacceptable. The woman merely needed to tell me that I had XXXX in suspense transfer account that had to be paid on or before a date certain in XX/XX/XXXX. She failed and refused to do so. 
Perhaps your department can remind this credit provider that it can do better. 
Thank you for your cooperation.",,Consent provided,Web,2016-07-07,Closed with explanation,Yes,No,CR1998684,4647
2016-07-06,Credit card,,Rewards,,"I recieved a BankAmericard cash rewards card XXXX. The rules then were 3x cashback on Gas, grocery, and drugstore purchases for the first 6 months. Plus, you earn 1 % cashback on all other purchases. After that was only 1 % for every purchase. This took over 5 years to reach the {$300.00} mark for cash rewards and would have been 25 % more, if it was transferred into the checking account I have had since the 90 's. But they decided to change all the rules and XXXX people out of {$45.00} of the money originally promised for over 5 years. They decided to change it to 10 % now in XXXX 2015. I just finally got to {$300.00} last month 's statement, I was told. I am angry that, it took over 5 years to try and use my card as much as I could to try and get to the {$300.00}, so I could benefit from the 25 %, the reason, I wanted to have the card in the first place. Now only to find out when I tried to transfer my {$300.00} it took over 5 years to reach, that I was not going to get {$45.00} of that money now. To me, this is a way to XXXX everyone who originally got this card, we all lose out on the 25 %. Which BankAmericard is now making money from screwing us all by changing the rules to take it to 10 %, they are making {$45.00} a head from everyone this has happened to, that has taken years to reach this goal. Now we are told, sorry plans changed. Well, I do n't know about anyone else, but this is not very good business. I feel like I just wasted over 5 years of my life, thinking I was soon going to get {$75.00} extra for using this card. How convenient, the average use of this card, will take the average person that long to get to {$300.00}, so they make more money off of screwing us, by changing the rules, when they see how many people are going to reach their {$300.00} goals. This makes me sick. I want my money from my original, reason for signing up for this card in the first place. If I would of known they were going to pull some XXXX like this, I would of never signed up for the card in the first place. Seems a little crooked business strategy if you ask me, not honoring that long of a customer 's contract. I called XXXX before writing this, XXXX, customer service, would n't or was n't able to do anything for me. I told her, sounds like I need to take my money out of the bank and cancel this card, cuz what is the next horrible thing you are going to change? I am not willing to wait to find out.",,Consent provided,Web,2016-07-07,Closed with monetary relief,Yes,Yes,CR1998210,2295
2016-07-06,Credit card,,Other,,I was PRE approved for the Eagle National Bank XXXX cash rewards card and the XXXX card and they denied me for both. They told me I was never approved for these cards which is simply not true. Eagle National Bank has repeatedly denied me single cards yet they approve someone on reddit for XXXX EN XXXX credit cards? What a joke.. I should be approved for both of these cards and if not they should remove the inquiries off my credit report. I have had so many issues with this bank and they are absolutely no help. The online chat reps just tell me I have to call and most of the time the numbers they give me are wrong and I have repeated issues from Bank of Amerideals getting my {$75.00} XXXX cashback and I am still waiting on {$100.00} checking account bonus and I have met all requirements. Now they are about to charge me {$12.00} a month for not having a certain balance or XXXX. Im tired of this bank taking advantage of me and nobody is willing to do anything ... They do not care about me as a customer at all. PLEASE HELP,,Consent provided,Web,2016-07-06,Closed with monetary relief,Yes,No,CR2000421,1232
2016-07-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"In XXXX 2015 I received a promotional offer for credit card from Eagle National Bank. Despite the fact that, I never missed any loan or credit card payment on time and that I had cash in the bank of about XXXX times the credit card limit, the crdedit card was denied. Eagle National Bank then reported this to the credit agency seriously damaging my credit score. I am now at the point of asking for financling of new home and this action of Eagle National Bank will make my credit more expensive. My request to the Bank for removal of the note from all credit agencies has been answered "" the Bank is unable to retract the record ''",,Consent provided,Web,2016-07-06,Closed with explanation,Yes,No,CR1997190,1083
2016-07-06,Credit card,,Other,,"Eagle National Bank received payment for our credit card and wrote a completely different credit card account number on the check, thus the credit card is now default and reported late to the credit bureaus.",,Consent provided,Web,2016-07-07,Closed with monetary relief,Yes,No,CR1999429,193
2016-07-06,Credit card,,Arbitration,,,,Consent not provided,Web,2016-07-06,Closed with non-monetary relief,Yes,No,CR2000127,11978
2016-07-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-06,Closed with explanation,Yes,No,CR2001051,5117
2016-07-06,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-07-07,Closed with monetary relief,Yes,No,CR1999701,4365
2016-07-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-07-06,Closed with monetary relief,Yes,No,CR2000877,2122
2016-07-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank "" BOFA '' acknowledges chronic assault against my personage as a customer of BOFA : by consistent criminal attempts, BOFA employees try to assault me when I access my [ paid for ] XXXX deposit box at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX despite the safety deposit box rent of automatically deducted each year from my BOFA checking account ending XXXX : last payment XXXX/XXXX/XXXX valid until XXXX/XXXX/XXXX, {$240.00} Yet, almost every time I try to access my safety deposit box, BOFA employees cause a situation where I am more than vulnerable to assault. For instance : I will ask to access my box : they will allow some other person to enter the safety deposit box vault before me and then ask me to enter while that person is still occupying the secured area and/or while the vault is actually still open. I decline : I sit outside at the lobby area waiting for the vault to be closed after it was opened for some other person and until that other person has exited the safety deposit box secure [ locked ] area completely. I have told the BOFA employees at that location : "" Because it 's kind of icky ... '' At other times : BOFA employees allowed me access to the secure locked area of the safety deposit boxes -- opened the vault to for me to take my box out -- and then while the vault is still open and I have my box out, the BOFA employees allow other persons [ more than one ] into the locked vault area too. I wrote a letter of complaint : [ attachment : TYF BOFA Complaint ] ; the very next time I went to access my safety deposit box, a breach of security contract situation happened again. Now : BOFA said BOFA was a garnished or "" served '' documents for BOFA to allow career criminals to "" levy '' my safety deposit box -- with no legal right, no court order : despite BOFA having no legal ability to do that -- which IS FELONY FALSE PRETENSE FRAUD/CRIME OR IS COMPLETELY ILLEGAL. BOFA EMPLOYEES HAVE BEEN TRYING TO PREVENT ME FROM RETRIEVING MY DOCUMENTS/ITEMS -- BOFA EMPLOYEES HAVE BEEN TRYING TO STEAL THE CONTENTS OF MY SAFETY DEPOSIT BOX -- FROM MY SAFETY DEPOSIT BOX AS AN EFFORT TO MURDER/ROB/IDENTITY THEFT MY PERSONAGE. By bank regulations for the renting of safety deposit boxes : all of what BOFA employees have tried is a violation ; BOFA is not allowed to deny me access to my property within my safety deposit box because of illegal [ criminal seizure ] 'levy '. 
THERE IS NO LEVY : NO COURT CAN ISSUE A LEVY AND BOFA EMPLOYEES DO NOT GET TO DECIDE ONE BECAUSE THEY ARE XXXX. This complaint is related to the list XXXX [ XXXX/XXXX/XXXX ], XXXX XXXX XXXX/XXXX/XXXX XXXX, [ XXXX/XXXX/XXXX ] XXXX ; [ XXXX/XXXX/XXXX ] XXXX, [ XXXX/XXXX/XXXX ] XXXX ... 
XXXX ... BOFA acknowledges an account ending XXXX ' as being mine : no bank records, no bank statements, no information whatsoever about that account is provided to me : yet BOFA says that 's my account too and BOFA refuses to allow me any documentation for it. I 've filed these same complaints with the OCC : the OCC has ordered BOFA to disclose my account ( s ) information to be per the law -- make corrections to debits/credits -- and for BOFA to fully disclose the proper credits/debits to my BOFA account records and by presenting a legitimate monthly banking statement. BOFA has failed repeatedly to do so and it 's been chronic over a period of years already. Instead : BOFA employees are trying to murder me by withholding my funds/assets/property and in order to steal my bank deposits and literally to attempt identity theft of my personage. All of it illegal : XXXX XXXX employees -- like XXXX employees -- do not behave any better and THEIR CRIMINAL ATTACKS AGAINST ME MUST STOP. I have to be allowed to access my funds for my own survival and immediately.",,Consent provided,Web,2016-07-05,Closed with explanation,Yes,Yes,CR1997805,13640
2016-07-05,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank closed my account about a month ago because of XXXX returned check i had tried to place a stop order on. This was the first and only time this had ever happened. This was bad enough but, what really has me upset is that they owe the money in my account. I awaiting on a XXXX check they say is coming but never does. EN 's risk or fraud dept. is horrible I have read so many bad reviews online.I need my money to pay rent, to buy food, etc. They do not care. Can you help me?",,Consent provided,Web,2016-07-05,Closed with explanation,Yes,No,CR1997158,2119
2016-07-05,Bank account or service,Checking account,Deposits and withdrawals,,"I AM REPRESENTATIVE PAYEE FOR XXXX XXXX VETERANS AND HAVE DEPOSITED THEIR CHECKS IN MY NAME AND THEIRS IN MY BUSINESS ACCOUNT FOR OVER 15 YEARS. TODAY Eagle National Bank REFUSED TO DEPOSIT THEM UNLESS I OPENED A SEPARATE ACCOUNT IN MY NAME AND THEIRS. I WILL CONTACT SOCIAL SECURITY ABOUT AUTOMATIC DEPOSIT IN A PERSONAL ACCOUNT, BUT THE MANAGER XXXX XXXX WOULD NOT SHOW ME THEIR RULES AS TO WHY I COULD NOT DEPOSIT THESE CHECKS. I CONTACTED MY SISTER, XXXX XXXX XXXX ( WHO IS A BANK MANAGER AND HAS BEEN FOR 30 YEARS ) AND SHE SUGGESTED I TELL THE BANK TO CASH THE CHECKS AND THE BANK DID, BUT IT CHARGED ME A FEE TO CASH BOTH OF THESE CHECKS. THIS IS TARGETING VETERANS TO OPEN ACCOUNTS THEY DO NOT NEED OR TO CHARGE THEM A FEE.",Older American,Consent provided,Web,2016-08-07,Closed with monetary relief,Yes,No,CR1997443,2202
2016-07-05,Bank account or service,Checking account,Deposits and withdrawals,,"I am the victim of a fraud. The scheme is as follows. I was contacted by someone from XXXX with a request to take care of a pet. The person sent me a check, which I deposited in my Eagle National Bank checking account. Once the check cleared, I deposited the amount into another Eagle National Bank account as instructed by the fraudster ( minus my fee for the services ). As I was suspicious of this, I waited until the check cleared ( on the very next day ) before I deposited the cash ( minus the advance payment for the services I provided ) to a fictitious pet store for food and other pet care. 
Here are the details : On XXXX/XXXX/2016, I received a check for {$2900.00} and I deposited it the same day at the local Eagle National Bank branch in XXXX XXXX, CA. The check cleared the next day ( XXXX/XXXX/2016 ) and I withdrew {$2600.00} and deposited that amount to another Eagle National Bank bank account. On XXXX/XXXX/2016 the check for {$2900.00} bounced back and the same amount of money was withdrawn from my account. I called the bank ( spoke to XXXX XXXX ) and they told me to contact the fraud department. I asked the fraud department why the fraudulent check cleared the next day, while other checks take at least a couple of days to clear. She said the reason was I had been a loyal customer and had been given access to the money prior to the clearance of the check. I think this is misleading as I would have never withdrawn the money before the check cleared. As a result, I became the victim of a fraud and I 'm questioning the bank 's policies regarding clearing checks. I was told during numerous discussions with the Fraud department that the bank 's policy is to allow customers to use uncleared funds if their accounts are in good standing ; however, the policy appears to not be applied consistently as it was only applied once, for the fraudulent check I received. All checks I have deposited so far have taken more than XXXX days to clear. The policy was only applied to XXXX check which turned out to be fraudulent and the funds were deposited into another Eagle National Bank account. The bank did not provide information regarding where the funds went or tried to do anything about it considering the money was deposited into another Eagle National Bank account. 
In conclusion, I believe that Eagle National Bank 's policies and procedures have caused a loss for the amount of {$2600.00}. With my limited income and as a new immigrant, this is causing me and my family an unbearable financial burden and I 'm unable to pay my rent. 
As I have exhausted all other options for resolution, I am writing to you and hoping you could help me understand why the bank 's policies are applied inconsistently. I do not blame the bank for the fraud, I blame the bank 's policies which when applied inconsistently may result in financial loss for the customers. I have also contacted the police which is investigating.",,Consent provided,Web,2016-07-05,Closed with monetary relief,Yes,No,CR1997654,2974
2016-07-05,Bank account or service,Checking account,Problems caused by my funds being low,,I bank with Eagle National Bank using the paybill service. The checks were due for pay on the XXXX of each month. The bank took the moneys early and charged me overdraft fees on the XXXX of the month.,,Consent provided,Web,2016-07-05,Closed with monetary relief,Yes,No,CR1997875,10639
2016-07-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I currently have an open claim with Eagle National Bank due to an incident of fraud on my checking account with them. I had noticed a charge in the nominal amount of {$77.00} from a company name I did not recognize. After querying the payment, I was informed that the same amount had been taken since XXXX/XXXX/XXXX. It was agreed that this was fraud and the money was refunded to the account on XXXX/XXXX/XXXX a day after the claim was initiated. On XXXX/XXXX/XXXX Eagle National Bank decided that the charges did in fact stand and that we had made them so proceeded to take the entire sum of the charges totaling {$850.00} from my checking account. They did however credit XXXX amount of {$77.00} back to us on XXXX/XXXX/XXXX of those taken. This implies that XXXX is fraud but the other charges are not and presents yet another inconsistency in Eagle National Bank 's claims procedure. Since then, the claim has become a full time job to fight. My wife and I have spent endless hours on the phone to the claims department, as well as having to go in branch. After demanding the paperwork and evidence Eagle National Bank were basing their actions on, we received copies of agreements made with XXXX XXXX for items of furniture using our details. The details given were incredibly basic, with just my name, routing and account numbers being listed. Eagle National Bank refuse to budge based on our routing number being present but these are readily available for hackers, fraudsters or mail thieves and as such, consumers rely on their banks to provide the safety they promise. However, Eagle National Bank failed to provide this at even the most basic level in this instance. We were told by the claims department that the charges stood in part due to my signature being on the documents but it was not my signature. It was a printed version of my name, perhaps even done via an online form and nothing remotely close to my handwriting or signature. The agreements also did not contain my phone number or any other details customary to a finance application. There were so many red flags with this transaction that the principal ruling allowed for a refund of the money taken but the decision was bizarrely reversed by even more questionable evidence. So far, in addition to the aforementioned actions taken by Eagle National Bank, there has been a consistent lack of adequate customer service and the claims department has been evasive at best. My wife has gone to the branch several times in the past week to demand help, usually to be told that nothing could be done and she should call the claims department. As both of us have spent countless hours doing just that, she has persisted in demanding help from the in branch staff. A cashier at the Eagle National Bank in XXXX, off XXXX XXXX, told her that she could make an appointment for someone to call the claims department in branch and advocate for her. My wife was told that her "" appointment '' would be the following Tuesday at XXXX and that she would have to bring all of the paperwork and documents we have. She arrived in branch at the given time but was informed that there was no appointment. The cashier who had made it with her was present but no accountability was taken beyond it being a 'misunderstanding '. After demanding to speak to a manager, one came out & eventually asked that she bring a letter refuting the charges with my signature as supporting evidence. She did so the following day and it was allegedly faxed to the claims department. After a follow up call with the claims department this morning, she was told that they had not received the fax and to check back on Monday. This essentially means more hours either my wife or myself have to spend fighting to have the money Eagle National Bank allowed to fraudulently be charged from my checking account returned.",,Consent provided,Web,2016-07-05,Closed with explanation,Yes,No,CR1997489,1179
2016-07-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I have a Eagle National Bank account. Recently during the last XXXX months I 've had to reorder a new bank card XXXX times. I have not received any of the last XXXX cards that were mailed to me. When I called b of a they said they see that someone has used my account in a different state. The b of a worker on phone was confused as to what 's going on with my account and while I was on hold I was disconnected. Then I was informed that I was kicked off of my online banking. I have no id a what is going on with my money and ca n't get any information on anything except I keep getting these overdraft postcards in the mail. I. Keep being informed of a bounced or cashed check that has nothing to do with me. XXXX keeps sending me bills that say payment was not made. XXXX also has turned my power off due to a pay, net that did not go through and should have. I had to come up with a large amount of money to turn my power back on. I continue to only get all these white cards of fees that I owe for things I did not do. I ca n't call b of a because I no longer have a bank card number, I am kicked off of online banking and I do n't know what 's going on. I 'm a widow with XXXX little kids. My son just had XXXX XXXX. I sell very little on XXXX to make a little extra money that 's is only reason I have my b of a account. I am robbed of my money and have been charged tons of fees everywhere because of b of a and they are the ones that informed me that someone has fraud in my account! I need help and b of a is taking my kids money!",,Consent provided,Web,2016-07-05,Closed with explanation,Yes,No,CR1998682,4042
2016-07-05,Bank account or service,Checking account,"Account opening, closing, or management",,"Merrill Lynch lists an account by my name with an assigned number for me -- XXXX -- within my online "" ML '' account summary/log/record but it 's never on my ML bank statements ... The suspicious thing : "" account closed '' balance "" XXXX '' since when? No check was ever sent to me for XXXX XXXX dollars : despite the several different [ real ] reasons why/how/when the account balance should be or was XXXX XXXX dollars [ US ]. There are no listings of transactions/activity or when it was allegedly closed. So? There has to be a legitimate inquiry -- investigation -- for ML to fully disclose. ML bought BOFA XXXX : Eagle National Bank "" BOFA '' then bought Merrill Lynch ... ML took over long standing BOFA accounts valued at greater than {$100000.00} and then those accounts were quickly reassigned to BOFA sans the funds exceeding the FDIC limit [ at that time ] and/or sans funds completely!? In my case : ML says completely XXXX And since when? ML does -- has refused -- not say. ML must return any/all actual account value to me : the real account balance fro XXXX must be disclosed to me and I must be allowed access to those funds and any interest earnings on the funds must be attributed to me for my use exclusively.",,Consent provided,Web,2016-07-06,Closed with explanation,Yes,Yes,CR1996950,4689
2016-07-05,Bank account or service,Checking account,"Account opening, closing, or management",,"This is a complaint about Eagle National Bank. Why am I being charged an {$8.00} maintenance fee? I do n't use the teller. 

These fees are illegal under Section 502-09 of the US Banking Code. Please remove the fees and reimburse me the fees.",,Consent provided,Web,2016-07-05,Closed with monetary relief,Yes,No,CR1998341,1728
2016-07-05,Credit card,,APR or interest rate,,"I 've had a Eagle National Bank credit card for XXXX years. This month I was charged XXXX $ interest fee on purchases, with a purchases balance of XXXX $ that ran out the XXXX percent apr on XXXX/XXXX/2016. I had been diligently paying the card off, but found out that those payments were always alloted to my promotional 0 % offer of balance transfer currently at XXXX $ that does n't expire for another year. They say they have the right to apply the payments to the oldest promotional offer, but the wierd thing about it is that they intentionally were not showing me that truth on my statements. In my statements for months now they state the XXXX promotional offers and their expiration but next to them where they say "" balance subject to interest rate '' all the lines just have had XXXX. So I was never shown the balances of my promotional rates, They kept that to themselves. Basicly so I would n't notice that I was paying off my XXXX percent and piling up my now to be 20 % interest rate. This is underhanded and a direct lack of transparency that misleads the consumer. I 'm wiser now but in worse financial status that I would have been had I known, had they disclosed in their monthly statements what my balances subject to different rates were. Which seems to be the whole point of having that interest summary at the bottom of every statement. But its intentionally left undisclosed so that I do n't have enough control or choice over my relationship with the card issuer.",,Consent provided,Web,2016-07-05,Closed with explanation,Yes,No,CR1997512,4242
2016-07-05,Credit card,,Rewards,,I signed up for the Eagle National Bank XXXX XXXX card with a signup bonus or XXXX points after {$12000.00} spend. I chatted with a bank representative named XXXX on XXXX XXXX who confirmed with me that I was {$500.00} shy of spending {$12000.00}. I proceeded to complete the spend immediately. BofA claims I did n't hit the spend. XXXX mislead me by giving me inaccurate information. I deserve this bonus as I did exactly what I was told by BofA representatives.,,Consent provided,Web,2016-07-05,Closed with non-monetary relief,Yes,No,CR1996954,3535
2016-07-05,Credit card,,Late fee,,"I called Target RED card today ( XXXX XXXX ) to pay my credit card balance in full ( {$60.00} ) and was informed my balance is now {$86.00} due to me being hit with a {$25.00} late fee. My bill was actually due XXXX XXXX, not the XXXX. I explained that I was out of town and it just slipped my mind but with today being the next business day after the XXXX holiday and next business day after my bill was due, I assumed that I would have a grace period of some kind. They insist there is nothing they can do to waive it and that even if I spoke with a manager or supervisor they could n't waive it either. I find this rather egregious and ridiculous that if I am a mere XXXX days late, ( a holiday weekend no less ) that they will not work with me, especially when i am willing to pay my balance in full.",,Consent provided,Web,2016-07-05,Closed with explanation,Yes,Yes,CR1998517,13588
2016-07-05,Credit card,,Billing statement,,"The new balance information on this credit card statement is deceiving because it does not take in consideration the credits or payments made. So when I look at my bill it looks like I have to pay more than I owe the credit card company. All my other credit cards the new balance is calculated is like this : previous balance less payment & credits plus purchases = new balance. 
Also I have this bill in autopay, so the money is taking out of my account so the credit card is to be paid in full every month, but by adding the amounts on my credit card statement of XX/XX/XXXX my new balance does n't match the amount of the payment taken by Nordstrom from my bank account, which is showing on XX/XX/XXXX statement. It looks like Nordstrom did not take {$9.00}, and I do n't see this amount anywhere in the credits.",,Consent provided,Web,2016-07-05,Closed with explanation,Yes,No,CR1998470,1577
2016-07-05,Credit card,,Rewards,,,,Consent not provided,Web,2016-07-05,Closed with explanation,Yes,No,CR1997111,13539
2016-07-05,Credit card,,Advertising and marketing,,,,Consent not provided,Web,2016-07-05,Closed with explanation,Yes,No,CR1996741,2801
2016-07-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-07-05,Closed with monetary relief,Yes,No,CR1998836,1853
2016-07-04,Bank account or service,Checking account,Problems caused by my funds being low,,"I have an account with Eagle National Bank and am not happy with the way they do business. I 'm a XXXX living on an extremely fixed income. Their policy is to charge {$35.00} every five days for an overdraft. Here are the dates they charged me. 
XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} I want all that money returned to my account.",Older American,Consent provided,Web,2016-07-04,Closed with explanation,Yes,No,CR1996952,3548
2016-07-04,Credit card,,Other,,"Eagle National Bank Complaint : XXXX. SCRA for military- I submitted XXXX sets of military orders and was told XXXX different reasons as to why the would not use my orders. I have requested "" written '' proof which should include a point of contact 's information as to how it was determined my orders are considered to be state orders and not federal. I have called numerous times, asking to speak to XXXX XXXX and XXXX XXXX her Supervisor. I have called XXXX Ext XXXX, which goes to a voicemail. When I dial XXXX, it states it 's a debt collection department ( which my account is not in debt collections, it is current ). When I press the option for a representative, I have spoken to several people that states no XXXX XXXX works there. Then after calling several times, I finally got XXXX person that acknowledged she knew XXXX and transferred me over to her.I spoke to XXXX and her supervisor, XXXX XXXX on XXXX/XXXX/2016. The supervisor stated my orders were not denied due to the 180 day criteria that I have been previously told, but because the type of orders I had did not qualify. I need written documentation supporting the reason why they can not use my orders to utilize my XXXX benefits. My most recent call on XXXX/XXXX/2016 @ XXXX XXXX to a rep in the military department requesting written documentation.I have been waiting for a week and have not received an email or a call back concerning my request that I made for the written documentation. This request was supposed to be relayed to a XXXX XXXX who is supposed to pass this message on to XXXX XXXX & XXXX XXXX. 
XXXX. Failure to protect military member 's PII by consistently asking for full social security numbers, when accessing my account status which does not require a full social security number. 
XXXX. Certain employees refuse to provide a location of where there call center is located, an identifier or their last name. However, I have been required to provide the following or I will not be able to obtain account status : XXXX. Full name XXXX. Full address XXXX. Account number XXXX. Full XXXX XXXX. Phone number XXXX asked why ca n't I just give my last XXXX of SSN or an alternate pin or password, and the reps in the military department stated that 's just their company policy. They do not provide any "" legal '' standing for it. I asked where as a consumer is this available to me that Eagle National Bank 's policy to discuss my military account in writing. XXXX XXXX stated they do not. Eagle National Bank needs to provide to consumers if they are going to be required to provide a what circumstances a full social needs to be provided. So in the military division, I was told I need all this information. In other departments that I have called, such as the credit card division, they may ask for XXXX to XXXX pieces of the above listed information. 
Several supervisors have told me that employees are not required to give the location of where I 'm calling to, and they do n't have to give their last name. Eagle National Bank is more invested in protecting the safety of their employees, versus their customers. I have a right to be concerned about the reps handling my personal information and should be provided with a location and a specific employee identifier as well. 
XXXX. I asked for calls to be pulled around the time my card was closed for XXXX. I advised a Eagle National Bank phone representative relayed to me that they did not have a department or a program to help military members lower their interest or help with financial difficulty. When I spoke to XXXX on XXXX/XXXX/2016, I asked if she had pulled calls from around that time frame as I had requested. She stated no, that she just looked at the notes and that she had not found anything in the notes concerning denial of military benefits. I asked why had she not pulled the phone calls. She stated because her supervisor had told her not to.",,Consent provided,Web,2016-07-04,Closed with explanation,Yes,Yes,CR1996935,2336
2016-07-04,Credit card,,Billing disputes,,"My wife used her Eagle National Bank ( EN ) credit card to book a hotel room in XXXX. She was half way there and had to return due to bad weather ( snow ). When she returned the hotel was ok with cancelling the reservation and understood. The hotel could not do anything since it was booked thru XXXX. My wife called XXXX and explained the situation. They told her she had to have permission from the hotel. She said she did and went in circles with XXXX for some time. She even called back with both parties from XXXX and the hotel on the line with her at the same time. XXXX still refused to remove the charge and wanted to charge us in full. We filed a complaint with EN and they held the charge for investigation, then sent us a letter saying it was resolved, then removed the charge. We thought we were done when we saw the charge appear again several months later. EN said we were accidently credited twice. We pulled our statements and got back to them to say that they were incorrect. They agreed and said that the charge would be removed. We then got a letter from EN saying that they were going to proceed with the charges from XXXX. My wife spent at least 6 hours total on the phone with all parties to get this resolved, but had no luck. Complete lack of customer service by all parties. We will be getting rid of our EN credit card ( after having it for about 16 years ) and will certainly never use XXXX again.",,Consent provided,Web,2016-07-05,Closed with explanation,Yes,Yes,CR1996876,2648
2016-07-03,Bank account or service,Savings account,"Account opening, closing, or management",,"Eagle National Bank closed a keep the change rewards savings account that I had for a few years. Seems like they were being discriminatory and retaliating after I filed a Chapter XXXX Bankruptcy. The bank claims to have sent a letter in the mail however, I never received a letter stating the account would be closed if there was n't a {$25.00} minimum balance. Then a branch manager felt it was closed due to inactivity. Although, there 's regular activity because it is a keep the change savings. On Friday, XXXX XXXX, 2016, I deposited a check in the amount of {$800.00} via the ATM and Sunday went to withdrawl the money to pay my house note. The account showed up via the ATM but nothing appeared on the balance. After hours on the phone, I managed to get a claims rep to complete an XXXX, Claims Dept re : ATM Error Claim to locate the deposit and transfer to the primary Checking.",,Consent provided,Web,2016-07-03,Closed with monetary relief,Yes,No,CR1996539,10070
2016-07-03,Credit card,,Identity theft / Fraud / Embezzlement,,"Hello, I have submitted letters as well as online disputes with documentation to all XXXX credit reporting agencies. This is court documentation proving the account ( target/EN ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. At this time i would have thought that Target/EN would have also received the Court Documentation considering they were the ones who initiated the complaint to begin with. However they have yet to comply with the Court ruling. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). I thank you for caring, XXXX",,Consent provided,Web,2016-07-13,Closed with explanation,Yes,No,CR1996650,11331
2016-07-03,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-07-03,Closed with explanation,Yes,Yes,CR1996482,1635
2016-07-02,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank offered a business checking account promotion with the offer code XXXX to me via email. I opened a business checking account XXXX XXXX XXXX XXXX ) in branch on XXXX XXXX and met the terms of the offer ( spend {$2000.00} within 60 days on a business credit card ). The terms say the cash bonus of {$1000.00} would be paid within 90 days of meeting the terms. 120 days after meeting the terms, no bonus was received. When I called to inquire I was told that no offer code was attached to my account and I would not be getting a bonus. I 've called BofA many times and keep getting the runaround. I logged cases XXXX latest XXXX being XXXX XXXX but they keep stalling and sending me nowhere.",,Consent provided,Web,2016-07-02,Closed with explanation,Yes,No,CR1996175,376
2016-07-02,Bank account or service,Checking account,"Account opening, closing, or management",,We had this account for years with no fees and then all of a sudden they started charging us a $ XXXX monthly fee because we did n't keep a certain balance.,,Consent provided,Web,2016-07-02,Closed with explanation,Yes,No,CR1996251,11008
2016-07-02,Credit card,,Cash advance fee,,,,Consent not provided,Web,2016-07-06,Closed with monetary relief,Yes,No,CR1995830,3457
2016-07-02,Credit card,,Other,,,,Consent not provided,Web,2016-07-02,Closed with explanation,Yes,No,CR1996290,3521
2016-07-02,Credit card,,Credit card protection / Debt protection,,,Servicemember,Consent not provided,Web,2016-07-02,Closed with explanation,Yes,No,CR1995154,1239
2016-07-01,Bank account or service,Checking account,Deposits and withdrawals,,I WAS CHARGED A MAINTENANCE FEE ERRONEOUSLY. I HAVE DIRECT DEPOSIT EACH MONTH AND FUNDS PUT IN XXXX ACCOUNT. THE BANK TOLD ME TODAY THAT I NEED TO HAVE THE DIRECT DEPOSIT PUT INTO BOTH ACCOUNTS. I ONLY HAVE XXXX ACCOUNT WHEN I OPENED IT YEARS AGO AND NOW THEY CLAIM I HAVE XXXX AND HAVE TO HAVE DIRECT DEPOSIT PUT INTO XXXX ACCOUNTS TO AVOID A MAINTENANCE FEE.,,Consent provided,Web,2016-07-01,Closed with monetary relief,Yes,Yes,CR1995829,4059
2016-07-01,Bank account or service,Checking account,"Account opening, closing, or management",,"On Thursday XXXX XXXX 2016, I received my tax refund from the IRS to my XXXX Eagle National Bank Account. 
Subsequently, I transferred by phone a portion of the refund to my XXXX Eagle National Bank Account. 

Later that day, I went to a Eagle National Bank location at XXXX XXXX XXXX. XXXX to transfer funds to another Eagle National Bank Account to pay a bill. 
At this point, I was informed by the Teller that the transfer would not go through and I should speak to an Associate. 
What was discovered was that there was a Hold placed on both my XXXX Account and the XXXX Account, and were overdrawn by "" - {$880000.00} ''. 
The Associate contacted the Risk Department to have the Hold removed ; but was told it could not be done because the IRS put the Holds on the Accounts, due to "" TAX FRAUD ''. 
An Investigation was opened by the Risk Department and I was informed there was nothing else to be done but wait for the Investigator to contact me. 

THIS IS FRAUD BY Eagle National Bank : First : The IRS would Not place a Hold on a Bank Account after Electronic Transferring of a Refund ( see attached documentation of proof of Transfer from the IRS ). 
The IRS would Not contact 'Eagle National Bank ' of Suspected Tax Fraud. 
The IRS would contact the 'Taxpayer ' ( myself ) ONLY with a 90 day Notice ( in writing ) of Suspected Tax Fraud. 
The IRS would Hold the Funds and NOT transfer any funds to the Taxpayer 's Account, pending resolution of the matter between the IRS and the Taxpayer. 

To site "" TAX FRAUD '' as Justification for placing Holds on the XXXX Accounts is FRAUD BY Eagle National Bank and is a violation of my Civil Liberties. 

Eagle National Bank has no right, nor jurisdiction to place a Hold on ANY of my bank accounts, and has provided an INVALID EXPLANATION to justify Eagle National Bank 's actions and attack on my Civil Liberties. 

1. ) I received my Tax Refund from the IRS ( which is substantiated and verified by the IRS and on IRS website ). 
2. ) I used my Tax Refund to pay my bills. 

Second : I have been a Eagle National Bank Customer for over 20 years. 
- All of my Bank Accounts are with Eagle National Bank - All of my Personal and Business Transactions are through Eagle National Bank. 

THIS MATTER SHOULD HAVE BEEN RESOLVED WITHIN MINUTES AT THE BRANCH LOCATION : The Associate should have been able to remove the Hold from the accounts at the Eagle National Bank Financial Center at XXXX XXXX XXXX. XXXX '. 
Eagle National Bank could have verified in minutes the validity of the Transactions, just by looking at their Bank Records. 
1. ) The ID Number for the IRS in connection with the Transfer of the Funds is that same number from the past Tax Refunds I have received for the past 15 years to the EXACT SAME BANK ACCOUNT. 
2. ) ALL of the Electronic Transfers were WITHIN Eagle National Bank 'S SYSTEM. 
3. ) NO MONEY WAS WITHDRAWN. 

There was NO NEED, nor Justification for leaving the Holds on the Accounts, nor any Justification for opening an Investigation. 

I was given False Information by Eagle National Bank and its Employees with the Risk Department. 
Eagle National Bank Failed to provide a VALID JUSTIFICATION for the Holds on the Accounts and resulting Investigation.",,Consent provided,Web,2016-07-01,Closed with explanation,Yes,Yes,CR1994914,3724
2016-07-01,Bank account or service,Checking account,Deposits and withdrawals,,Without my Permission Eagle National Bank created 3 electronic payment transactions and debited all of my funds out of my XXXX XXXX Checking Account ( they left me with {$96.00} --. ),Older American,Consent provided,Web,2016-07-01,Closed with explanation,Yes,No,CR1995939,2379
2016-07-01,Credit card,,Closing/Cancelling account,,"XXXX XXXX XXXX cancelled my credit card without warning and reissued a new card without notifying me. There was no suspicious activity on my account. They refused to tell me the specific reason that they closed my account saying only that "" a vendor '' compromised my account. Which vendor? When? I registered a complaint with a customer service representative named "" XXXX, '' who gave me a reference number of XXXX. He refused to give me his employee badge number or to provide any other information. I believe that I am entitled to know what activity occurred that affected my account and that XXXX XXXX XXXX should notify me rather than simply taking unilateral action.",Older American,Consent provided,Web,2016-07-05,Closed with explanation,Yes,No,CR1994745,1365
2016-07-01,Credit card,,Late fee,,"I always received my statements and notifications by e-mail. Faithfully I 'd receive my target emails every month. Then it stopped. I figured my balance was paid off since I was n't getting any more alerts or statements. Then yesterday I get a letter in the mail stating it was an attempt to collect debt. I paid my bill immediately considering I did n't even know I had a balance of any sort. But I received no notifications of payment due. Not sure if it went into my spam-it never done that before and we had the credit card for years-but even spam deletes itself after a certain time, so I could n't even be sure it went to my spam. Just know i did n't receive any alert. I am more than happy to pay the balance but not the steep {$130.00} fine. I called several times and they wo n't remove it. I am a faithful paying customer with a high credit score. They should check my history and see this is not my typical response, considering I 'd been a customer for years. Also I did n't receive any form of letters in the mail until after fifty days. If my account was overdue I should 've been alerted by mail way before this.",,Consent provided,Web,2016-07-01,Closed with explanation,Yes,No,CR1994462,3877
2016-07-01,Credit card,,Other fee,,I purchased Groceries on a Target Red card in exchange for 5 % off in XXXX 2016 I received no bills from Target or reminders regarding payment-XX/XX/XXXX to XXXX as far as I can tell XXXX XXXX 2016 They started charging me late fees Original purchase was {$50.00} End of XXXX with late fees this was XXXX I got a letter by mail saying I was 56 days late with a Large late fee and Interest on a & lt ; {$50.00} purchase and they would not reverse it and reported it to credit bureau,,Consent provided,Web,2016-07-01,Closed with monetary relief,Yes,No,CR1994658,12547
2016-07-01,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-07-01,Closed with explanation,Yes,Yes,CR1996002,3993
2016-07-01,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-07-01,Closed with explanation,Yes,No,CR1995648,3130
2016-07-01,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-07-01,Closed with explanation,Yes,Yes,CR1995728,2873
2016-07-01,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-07-01,Closed with non-monetary relief,Yes,No,CR1993970,4595
2016-07-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-07-01,Closed with monetary relief,Yes,No,CR1994563,3750
2016-07-01,Bank account or service,Savings account,Deposits and withdrawals,,,,Consent not provided,Web,2016-07-01,Closed with explanation,Yes,No,CR1995168,1114
2016-06-30,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I have a pension plan with XXXX XXXX that is administered by Meril Lynch. Recently I was downsized and need the money to live on, but Meril Lynch has delayed the disbursement of funds for months. The required paperwork I supplied to them was properly notarized, then they claimed that it needed a notary seal and they wanted my passport or certificate to verify that I am not a minor .... Obviously, the papers I sent them were notarized properly by my banker and they do not need any proof of my age, because they have all of my information on file from my former employer -- age, sex, SSN, birth date, etc. They say, now, the funds will be disbursed on XXXX XXXX, but I am skeptical. When I cashed out a 401k with XXXX, they disbursed the funds lightning fast, which is what leads me to believe something weird is going on with Merill Lynch.",,Consent provided,Web,2016-07-01,Closed with explanation,Yes,No,CR1990319,4438
2016-06-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have been a customer of Eagle National Bank for twenty years. I have always paid my bills with them on time or before due date and in most cases more than the minimum due. 6 1/2 years ago my wife had to file for bankruptcy due to loss of job and excessive medical bills. She was a co-signer on our 2nd mortgage and LOC. I assumed total responsibility for the debt and have been paying without incident, always on time and more than what was due, online using my EN checking account. 
The other day I signed on my EN account to review my accounts to make payments and found that I could no longer access both 2nd mortgage and LOC. I received a message that I could no longer access those accounts of make payments because of a bankruptcy or discharge of such. I contacted EN thinking that this was done in error and informed them that I never filed for bankruptcy and for 6 1/2 years I have paid on these accounts using my EN checking online access without incident, never late. 
I was told that I could no longer do so and that I now would have to phone in my payment, use a paper statement or go to the local branch to make my payments. As a XXXX vet going to a local branch would be problematic and calling EN on anything has been shown to be anything but easy. 
I have done nothing to warrant EN actions. I have a flawless credit history with credit scores in the lower XXXX range and my history with EN has been the same. EN did n't loose a thing on my wife 's bankruptcy and for them to take such an action after 6 1/2 years of flawless payment history by me is just wrong. 
When I spoke to their bankruptcy department they said that their actions were done to protect me. How is blocking my access to my accounts to keep my flawless payment history from continuing, protecting me? I emailed the CEO requesting his assistance in this matter and of the date of this complaint I have not received any response. 
So again, I never filed bankruptcy, I have never been late and as a customer I would be the type of customer that most banks would like to have. I also have a EN credit card and they just raised my limit to {$23000.00}. because of my credit history with them. Does any of this make any sense? EN is without a doubt the worst bank I have ever dealt with.",Servicemember,Consent provided,Web,2016-06-30,Closed with explanation,Yes,Yes,CR1992469,4446
2016-06-30,Bank account or service,Checking account,Using a debit or ATM card,,"I wanted to dispute charges on my debit card with Eagle National Bank. I was told that the only way to do this is via telephone or by physically going to a banking center. As I am XXXX and do not use a XXXX, I am not receiving the same level of service ( or even close ) as I am denied the ability to dispute transactions without enduring XXXX. This is not the first time Eagle National Bank has denied my reasonable accommodation requests. They still have not addressed my previous complaints.",,Consent provided,Web,2016-06-30,Closed with explanation,Yes,No,CR1992647,138
2016-06-30,Bank account or service,Checking account,Problems caused by my funds being low,,"This bank charges fees for items that should have been returned or that were n't allowed to go through, they do n't have properly trained personnel and thrive on collecting multiple charges. I recently lost my card and I was unable to deposit funds in a timely manner, this bank refused to waive the fees, XXXX dollars for a XXXX dollar transaction",,Consent provided,Web,2016-06-30,Closed with monetary relief,Yes,No,CR1993629,2268
2016-06-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"We have had the XXXX XXXX XXXX through Eagle National Bank for the past 14 years. We thought this program was protecting all of our listed cards from fraud and identity theft. We resently had serveral fraudulant charges on our checking account also with Eagle National Bank and were not notified in any way. I had to notify the bank of the fraud. When speaking to a BofA rep from their fraud department, I was informed I did not need this service as my account was automatically protected. 

Two years prior, I tried to cancel this service and was pressured not to cancel as I needed this type of service and protection. 

I feel that this is a bogus service that I have paid XXXX per month for the past 14 years and only recently realized this service does not do anything I expected or thought I signed on for. I expressed these concerns to BofA and was allowed to cancel, today, but no apologies, concerns or help on getting any amount refunded. 

I am thankful that I caught the misuse on my account before it was completely drained.",Servicemember,Consent provided,Web,2016-06-30,Closed with monetary relief,Yes,No,CR1993781,3118
2016-06-30,Bank account or service,Checking account,Using a debit or ATM card,,"What happened to my XX/XX/XXXX alert email? XX/XX/2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, XX/XX/2016.",,Consent provided,Web,2016-07-01,Closed with explanation,Yes,Yes,CR1992556,9995
2016-06-30,Bank account or service,Checking account,Using a debit or ATM card,,"What happened to my XXXX XXXX, 2016 's alert email? In XXXX XXXX, 2016, the associate had told me that I had to cancel my debit card ( {$400.00} ) in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, back in XXXX XXXX, 2016.",,Consent provided,Web,2016-06-30,Closed with explanation,Yes,Yes,CR1993650,4083
2016-06-30,Credit card,,Late fee,,"I had traveled to XXXX from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I made online payment of XXXX on account balance of XXXX and requested a statement sent to me by email so I can check balance. My account was blocked disallowing me online access after the request, I could n't access online account or reach EN by the either the toll free numbers from XXXX. 

Late payment was due to my inability to go online to pay on the account. EN blocked the account access because they thought it was online fraud since I was using foreign network XXXX XXXX to access my account. I had tried to resolve this issue since my return with EN, unfortunately the representative I spoke with did n't want to hear the effort I had taken to pay on the account balance. I have since paid XXXX original balance ; and have written to EN to either waived or reduce the late and finance charges of XXXX. I also visited a local EN office to see if they can help ; unfortunately I was told to deal with their collection agency. 

As of this writing no response from EN on my petition. I have been a loyal customer since XX/XX/XXXX, I have paid on my account on time, this situation was very unfortunate, and was out of my control. This had affected my credit score created derogatory and negative information on my outstanding credit with all XXXX credit rating agencies. 

I would like your good office to assist me in resolving this issue with EN to restore my credit score, because it was my very intent to pay on my account during my long absence that was the very reason why I requested for statement be sent by email since I know I will not be around the view my mailed statement. I have never informed any my credit card companies when I travel to foreign countries before. So I did n't know if I had to inform EN of my trip to XXXX for that matter.",Older American,Consent provided,Web,2016-06-30,Closed with explanation,Yes,Yes,CR1993958,4264
2016-06-30,Credit card,,Identity theft / Fraud / Embezzlement,,"My card was delicned last friday! I evidently missed mays payment of {$150.00}. I sent {$200.00} thinking that covered it. Why, I was not using my card. it had been shut off due to some type compromising in the system. So I was using my wells fargo card all month. 
Then you sent a new card finally. Then the chip did not work. more declining! So I had just got the new card when it was declined again while in new mexico. IF you research my account history, I charge up to {$3000.00} a month average and pay in full each month. so you shut off my card for one small amount during a period of issue after issue with my card. 
So I called again today. wait many minutes to get thru your disgusting automated service. Finally get a supervisor and am once again assured my card is fine. Prior to that I tried the chat to absolutely no avail. She kept asking me when I was going to pay our second card that is not due until XXXX XXXX, or there a bouts. 
so I went to XXXX today, and card declined again 3 hours after being assured it was all cleared up. 
I have had at least XXXX cards issued me in the past 1 year due to EN saying my card was "" compromised '' I have to keep changing my auto pays! 
When I call in, it takes up to 15 minutes to get thru the automated system to finally arrive at a human. I charge an average of $ XXXX monthly on XXXX card and almost the same on a second EN card. And I get this kind of service and card shut off for what they said was {$25.00} outstanding balance. and that was a late fee! 
I have many others tell me the same thing going on with their EN visa. There must be some internal issues with EN! 

thank you",Older American,Consent provided,Web,2016-06-30,Closed with explanation,Yes,No,CR1990452,1876
2016-06-30,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-06-30,Closed with explanation,Yes,Yes,CR1992862,2395
2016-06-30,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-06-30,Closed with explanation,Yes,No,CR1993581,2703
2016-06-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-06-30,Closed with explanation,Yes,No,CR1992679,4711
2016-06-30,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,Consent not provided,Web,2016-07-01,Closed with explanation,Yes,No,CR1992880,408
2016-06-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My wife, XXXX, and I applied to Eagle National Bank for a Home Equity Loan ( HEL ). The EN person we communicated with was : XXXX. 

While we greatly need this loan, we are very concerned about our privacy, so on XXXX XXXX, 2016, we emailed XXXX XXXX : "" Hello. 
We received your list of documents you require for EN to process our home equity loan request. Thank you very much. We do understand your need for these documents. These requested documents contain a lot of very personal and private information. Eagle National Bank is a huge global company. We now live in a very dangerous world, so of course, we are very concerned about how EN will use our personal and private info. We have found that in the past, when dealing with financial companies, whether to open up an account or seek a loan, they apparently sell and distribute your personal and private information to just about anyone and everyone willing to pay for it. We know this for a fact because since contacting financial companies about getting a loan ( eg : reverse mortgage ), for example, the amount of email scam spams I get at this email address has increased by a factor of about 5 - mostly scams related to XXXX, get-rich-quick, work-at-home, and payday loan schemes. Because people need loans, does not give crooked financial companies the right to victimize them. 

Consequently, we want a clear WRITTEN confidentiality promise from Eagle National Bank that it will : ( 1 ) Never sell any of our personal or private info to anyone, and ( 2 ) Never provide, distribute or report any of our personal or private info to anyone who is not both a responsible EN employee and one who has a fully justifiable and legitimate need to know our info for the sole purpose of processing our loan application. 
Please respond by email. We await your email response. '' We never got an email response to this email. A few days later, both my wife and I got letters dated XXXX XXXX from EN disapproving of our HEL application. We believe that EN retaliated against us because we have the nerve to try to protect our personal and private data from EN 's greedy exploitations of our data for profit. Likely, a common practice with financial companies. 

OTHER ISSUE # 1 : One of the reasons EN gave for refusing us was, "" Too Many Inquiries Last 12 Months. '' CFPB must stop this abusive practice because it is illegitimate to punish people trying to comparison shop for the best financial product for them, forcing poor people into rip-off deals with financial companies. It is Restraint of Trade. For example, what if you went to XXXX stores to look for a hat, and found it in the XXXX store, and was told that because you inquired in XXXX other stores, he/she ca n't sell you the hat or must sell it to you at a higher price because your other visits lowered your credit score? 

OTHER ISSUE # 2 : The CFPB must put Credit Scores ( CS ) out of business! Your CS goes down for many reasons, many of them erroneous and false reasons. Americans are now enslaved by the CS. Poor people typically have low CS, which accelerates them into greater poverty and bars any possible recovery. CS is one of the main reasons for the transfer of wealth to the rich at the expense of the middle class and poor. CS is a criminal tool for thieves.",Older American,Consent provided,Web,2016-06-30,Closed with non-monetary relief,Yes,No,CR1990665,8738
2016-06-29,Bank account or service,Checking account,Using a debit or ATM card,,"What happened to my XXXX XXXX, 2016 's alert email? In XXXX XXXX, 2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, back in XXXX XXXX, 2016.",,Consent provided,Web,2016-07-01,Closed with explanation,Yes,Yes,CR1990762,2583
2016-06-29,Credit card,,Late fee,,,,Consent not provided,Web,2016-06-29,Closed with explanation,Yes,No,CR1991096,3331
2016-06-29,Credit card,,Delinquent account,,,Servicemember,Consent not provided,Web,2016-06-29,Closed with explanation,Yes,No,CR1991949,713
2016-06-28,Bank account or service,Checking account,Problems caused by my funds being low,,"I am currently a customer with Eagle National Bank and recently was accessed overdraft fees on transactions that when posted to my account had a positive balance. After review of my account it was observed that Eagle National Bank charged me an overdraft fee for a Check # XXXX and for a pending transaction to XXXX that has not processed to my account on XXXX XXXX, 2016. At the time of both transactions my bank account balance had sufficient funds to cover both transactions and this supported by the review of my online statement through online banking. When I spoke to the customer service provider on XXXX XXXX, 2016 at approximately XXXX I was told that the fees were being accessed because my available balance was negative in my checking account, but when I reviewed the account the transaction pending for XXXX was the only transaction that overdrew the account. In addition Eagle National Bank charged me XXXX overdraft fees on transactions that posted to my account when the available balance was positive. 
I spoke with a supervisor who also confirmed the same thing and when I requested to speak with another supervisor or consumer relations they stated someone would have to call me back. I refused this and continued to request, but was denied several times. When I informed them that I was going to file a complaint with the CFPB I was then placed on hold in order for the Eagle National Bank customer service representative to get me to the right person. The activity on the account has still not been clarified and no resolution has taken place at this time as they are still not able to provide me with a sufficient reason as to why the account overdraft fees were accessed. The call center for Eagle National Bank is allowed to see more detailed account information, but I am limited online to what I can view which makes it difficult to argue my issued.",,Consent provided,Web,2016-06-28,Closed with monetary relief,Yes,No,CR1988341,3379
2016-06-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I noticed an unauthorized transfer of {$300.00} under my Eagle National Bank checking account. I called Eagle National Bank immediately to report this. The transaction was still pending. I asked them if they can cancel this transaction since it is still pending. They told me that I had to file a claim. Fine. So I filed my claim and changed my log in information. Couple days later, to my surprise, I noticed the transaction went through. I called again to ask why. The rep told me there is nothing they can do at that point and I had to just wait. Fine! Couple days later, I received a "" friendly '' email saying that my claim had been declined because they determined that the transaction was authorized by me. Their explanation : you said your ex-roommate might have your log in information. "" If at any time you give your Online ID or Passcode to someone, personal or business ; that person or entity is authorized, by you, to perform that transaction. '' I never said I gave me ex-roommate my log in information. I said she might have it since my user name and password are similar for many accounts. But the rep wo n't listen. I called back several times to argue with the rep, but she was being impatient and rude. I had been with Eagle National Bank since 2008. I had a checking account where I deposit more than {$50000.00} yearly and a credit card which I used to put more than $ XXXX spending yearly. I would never lie to get {$300.00}. The way they treated a loyal customer makes me mad. Claim reference number:XXXX.",,Consent provided,Web,2016-06-28,Closed with explanation,Yes,Yes,CR1986310,3320
2016-06-28,Credit card,,Credit determination,,"I am current customer of Eagle National Bank ( EN ) for ten years. During a branch visit on Friday, XXXX XXXX, 2016 to have a debit card re-issued, a EN Branch representative offered me EN Cash Rewards credit card based upon the fact that I maintain over well over one thousand dollars daily balance with those merits I told I would receive a EN Cash Rewards credit card. I signed some general documents and other products and spent about 1.5 hours of my time with the representative. The Branch manager came in on the end to congratulate me on accepting the offer. I was also encouraged to complete the survey that may be emailed within a few days. I let her know that the experience was great, unlike many of my experiences with EN and that I would definitely give good marks on the survey ; which I did on XXXX XXXX. It is now XXXX XXXX, 2016 and I have not received any responses from my follow up emails. I called EN corporate to file a complaint on XXXX XXXX, 2016 and was promised a 48 call-back ; it has now been 168 plus hours from my call with no call from corporate ( I gave them both of my cell phone numbers ). I have all of the credit card disclosures and signature page that I accepted the offer. I also have all my follow up emails with no response from the branch. Even after going in the branch to two weeks after to talk to her, she advised me this as happened before, but she promised the card will come. I feel manipulated and mislead by EN, as they will essentially make up things to con consumers into receiving high survey marks by wasting my time. Eagle National Bank owes the card to me as promised.",,Consent provided,Web,2016-06-28,Closed with explanation,Yes,No,CR1989970,1265
2016-06-28,Credit card,,Billing statement,,"I paid a credit card every month and have an automatic payment on it. I talked to the bank and explained it was their mistake since I set up auto payment. They marked me late and charged me fees and did not even offer to reverse or anything. I have had perfect credit for over a decade. The website did not work with the password until after when I was notified of the occurence. Eagle National Bank ruined my credit where now I can not rent, or borrow funds and made my other cards lower my credit limit. I would love for you to investigate and shut down these unethical practices which I believe is their way to make more money in fees and charge more interest and hurting the consumer. If they look at my record, I always made a payment to them.",,Consent provided,Web,2016-06-28,Closed with explanation,Yes,No,CR1988060,2631
2016-06-28,Credit card,,Other fee,,"I purchase an airline ticket with XXXX XXXX on their US website for around XXXX USD on XXXX/XXXX/XXXX. The fare was quoted in USD and I paid in USD with my Eagle National Bank ( BofA ) credit card. After I received my credit card statement I noticed BofA went on to charge me foreign transaction fee of XXXX USD, which is not insignificant. However on the credit card statement the fare amount was in also in USD. 
I contacted XXXX XXXX on XXXX/XXXX/XXXX complaining and they assured me that my ticket was paid in USD and not in XXXX and was routed through their New York office. 
I contacted BofA on XXXX/XXXX/XXXX to reverse the transaction fee and they told me to read my policy which states the foreign transaction fee. I told them what XXXX told me that the funds were routed through their New York office. I told Bofa that this could not have been a foreign transaction fee, because the transaction was not sent overseas and that the funds remained in the US. On top of that the fare was quoted in USD and I paid in USD. 
Bofa kept being uncooperative, telling me that XXXX XXXX have their office in XXXX hence the transaction fee. 
Even after XXXX representatives I was getting nowhere. 
I asked the customer service rep to provide me with documentation that XXXX did not charge me in USD but in XXXX, including the exchange rate. The Bofa rep was still not cooperative. 
It 's fraudulent and misleading to charge XXXX unaware customers illegal transaction fees. And especially if it a FOREX fee, Bofa needs to provide documentation and the exchange rate of such transaction.",,Consent provided,Web,2016-06-28,Closed with monetary relief,Yes,No,CR1987763,236
2016-06-28,Credit card,,APR or interest rate,,"I opened a XXXX XXXX jewelers credit card in XXXX XXXX that had a 0 % promotional APR for 12 months, and a credit limit of {$3500.00}. I charged the account to {$1000.00}. I did not receive any billing statements for months, and when I went to the retail store in question ( XXXX XXXX ) in XXXX XXXX, the employee there told me that I did not owe a payment, but that once I did, I would receive a statement in the mail. I received no statements in the mail. In XXXX XXXX I reviewed my credit report and saw that late payment information had been accumulating on this account since I opened it. I called the bank ( XXXX, in this case ), and they confirmed that all mailed statements had been returned to their office, and that I had not received them. I promptly made a {$300.00} payment on the account to bring it into good standing. They agreed to remove all the late fees that had accumulated. I then asked that they reinstate my original credit limit, and remove the derogatory payment info on my account, and they asked that I make this request in writing. I have done so, but am looking for support from the CFPB to ensure that I am treated fairly in this case, because I received my new statement recently, and noticed several issues : 1. The bank had removed late fees, but changed the promotional 0 % APR period to XXXX/XXXX/XXXX from XXXX/XXXX/XXXX, which they did not mention to me on the phone. The amount of {$170.00} was charged as interest for that month. 
2. The bank began charging late fees in XXXX XXXX, even after having received my monthly payment on time in XXXX, and waiving the late fees for previous months. 
3. The bank changed my payment due date from the XXXX of the month to the XXXX of the month, also without notifying me of that. 
4. Every time I attempt to have a phone conversation with the employees of this bank, I end up getting the runaround, being transferred to multiple departments, often times from XXXX department to the other back and forth repeatedly.",,Consent provided,Web,2016-08-11,Closed with monetary relief,Yes,Yes,CR1988078,254
2016-06-28,Credit card,,Credit line increase/decrease,,"I was without phone access during a XXXX XX/XX/2016 and missed a credit card payment through Eagle National Bank. I set up an automatic payment but it never went through. When I returned, I fixed the situation by calling card services and they waived my interest fee and my late fee. Since, on my credit report it still says that I have missed payments which I had waived. I have called card services to try and get everything taken care of and they are not helping to get this removed off my credit report. Also, EN card services sent me a letter in the mail lowering my credit from XXXX to XXXX because I used my card too often. The reason I used my card to often is because in XX/XX/XXXX I had some identity theft on my debit card and live no where near a branch office to get a new one so the advisor told me to use my credit card that I paid off just as it were a debit card. I have kept up with this card making double payments repeatedly and this is severely effecting my credit.",Servicemember,Consent provided,Web,2016-06-28,Closed with non-monetary relief,Yes,No,CR1987801,1373
2016-06-28,Credit card,,Other,,,,Consent not provided,Web,2016-06-28,Closed with explanation,Yes,Yes,CR1988789,193
2016-06-28,Credit card,,Other,,,,Consent not provided,Web,2016-06-28,Closed with explanation,Yes,Yes,CR1989202,5433
2016-06-28,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-06-28,Closed with explanation,Yes,Yes,CR1989548,4092
2016-06-28,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-06-28,Closed with explanation,Yes,No,CR1988553,4365
2016-06-28,Bank account or service,Checking account,Deposits and withdrawals,,,,Other,Web,2016-06-28,Closed with explanation,Yes,No,CR1989898,3754
2016-06-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,I had a credit card with Eagle National Bank and was never late with a payment I was hospitalized in XXXX 2013 and released in XXXX 2013. I went to the branch on XXXX XXXX XXXX in XXXX Florida 2 days after my release to make a direct payment. I was assured by the branch associate that my payment would be posted and my account was still in good standing. The following month the account was closed before my next bill due date,,Consent provided,Web,2016-06-27,Closed with explanation,Yes,No,CR1987476,2101
2016-06-27,Bank account or service,Checking account,Using a debit or ATM card,,"Recently my account with Eagle National Bank was compromised and I submitted a claim as required. I provided them with a police report and evidence that I was at work when the disputed transactions occurred and Eagle National Bank denied my claim. 
My debit card was stolen, I called EN to report the fraud, I filed a police report, I was treated like a criminal from EN in a branch bank and over the phone more than 2x, I have written letters, faxed documents, called and checked up on my claim, finally get my money back that was stolen, but now EN is telling me this is my fault and I explained many times and given everything they needed to show proof it was not me, there were fraud checks deposited into my account and signed by someone that was not me and i am being told I may be reported to the XXXX XXXX and that i cant open a bank account for 5-7 years. No justice, unprofessional behavior i have been with EN for 13 years and nothing like this has ever happened to me. I was notified via email and NOT by phone by EN that there was suspicious activity on my account. After several attempts to call the bank back I got through only to hear my account was frozen. My paycheck was direct deposited into my account on XXXX XXXX, 2016. I had no access to funds since my account had been closed. On XXXX XXXX, 2016, I filed a police report and delivered in person at the XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX, IL XXXX branch. The personal banker told me I was n't likely getting my money back and it appeared I created the fraud and there was nothing they could do with a police report. It was clear my bank of 13 years thought very little of me. They told me XXXX cash withdrawals were made from XXXX XXXX suburbs during the time I was still at work and XXXX checks were deposited into my account via either a banker or ATM and then cashed again while I was still at work. On XX/XX/XXXX-XX/XX/2016 I started receiving form letters from EN. Basically treating me as though I were the criminal. I know I 'm supposed to remain calm but every time I said check the ATM cameras ... Do something I was told and accused of being the criminal, I called immediately on Tuesday XXXX XXXX and I received a letter and was told "" well since you phoned, I will put in a request to release your money but it may take 2-3 business days. I was told they were going to report me to an agency and that I would n't get a checking account for 5-7years. I am the victim! On XXXX XXXX, 2016, I received XXXX letters from EN indicating they have completed their investigation and find me liable for the transactions. I am greatly concerned because a they are reversing the credit that was given, sending a false negative report to any agency that may harm my future employment opportunities and ability to purchase a home in the future. Also, I have not been able to make payments for my car or credit cards and have reached out and explained to my creditors the situation and they have worked with me but how long will my car dealership or my dept. store credit card put my payment on hold until this is resolved or before they report me for no or Late payments which then begins to harm my credit rating. I may not know a lot about all of this but I will not just sit around crying and just take this horrific behavior. I am the victim. I did not steal my own money nor did I sign any checks. Or cash any checks for thousands of dollars. And that takes up to 7 years to clear. For something I did n't do. I have requested a copy of their investigation but am asking that you all provide some support in helping me to get this situation resolved. My account was compromised, my money was stolen, and I want to be restored. Any assistance you can provide is greatly appreciated.",,Consent provided,Web,2016-06-27,Closed with non-monetary relief,Yes,No,CR1986636,2443
2016-06-27,Bank account or service,Checking account,Deposits and withdrawals,,"Today, I got an email from XXXXXXXXXXXX : if I ignored the BOFA letter, my account access could be suspended if I did not enter my email contact of bank record and the password to my email. It 's illegal : not just unethical solicitation of private/security information ; the bank is not allowed -- not entitled : not owed the information -- to demand I disclose my email of record password. I got an 'alert ' notice from BOFA in my email box too : when I logged into my account online, it said I needed to update my profile information or same thing as the email letter pdf except no request for email password. 
I think either criminals knew BOFA sent real alerts for profile updates to BOFA customers, then quickly sent out their own criminal emails to try to steal passwords to email accounts of bank record or ... And in the meantime : BOFA is just fouling ; BOFA says I did not pay rent for the last six months on my bill pay page. BOFA did record XXXX XXXX rent refund XXXX {$1700.00} or that I paid it but not -- no XXXX XXXX refund : despite BOFA knowing full well I could not live at that residence or derived -0- benefit -- for XXXX XXXX, yet my account was debited [ I did pay the XXXX XXXX rent before I was locked at my home XXXX XXXX ] {$1700.00} for XXXX rent XXXX XXXX [ valid until XXXX XXXX, XXXX ]. And then [ complaint ( s ) XXXX ; XXXX ] BOFA IS NOT ALLOWED TO STEAL MONEY FROM ME BY SUPPOSEDLY PAYING NON-EXISTENT or even existent 3RD PARTIES : THE BANK CAN NOT DECIDE WHO OWES WHAT TO WHOM AND THEN STEAL MONEY FROM ME TO PAY THOSE FRAUDULENT BILLS FOR/AS/TO SUPPOSED OTHERS -- OWED OR NOT -- BY STEALING 'LEGAL ORDER ' MONEY FROM MY ACCOUNT ; it 's actually illegal for BOFA to garnish "" LEVY '' cash deposits and BOFA can never garnish for others -- IT 'S A CRIME -- or even if BOFA was the legitimate garnishee. Any request for exception must first have a legitimate court order -- BOFA insanely told me to file for a court order and ask for exception to garnish my cash deposits : so, it was never filed in court -- that 's the only court record of just no levy/no garnishment. Because no one is allowed to request it EXCEPT : a person/entity requesting garnishment must file exception if having a CA State/US Federal judge issued court order : or not a never filed in court issued by an unidentifiable court clerk and/or no identity "" levying officer '' crime. State of CA/USA might allow exception for garnishment if it 's for child support/alimony but still not for "" levy '' or "" garnishment '' of cash deposits. NEVER : the money BOFA says BOFA stole was my XXXX XXXX XXXX rent refund XX/XX/XXXX-XX/XX/XXXX : BOFA IS NOT THE OWNER OF XXXX XXXX ; BOFA WAS NOT PROPERTY MANAGEMENT OF XXXX XXXX. BOFA ISSUED A LOAN TO XXXX XXXX HOA -- STOLE THE MONEY FROM THE HOA -- THEN DECLARED XXXX XXXX HOA IN DEFAULT AS BOFA 'S ATTEMPT TO STEAL OF THE REAL ESTATE PROPERTY AND THE OVER {$60000.00} -- not the same money as my XXXX XXXX Apartment rent : not the same money I worked like a slave to earn/deposit into my Merrill Lynch accounts -- I 'd already paid for XXXX XXXX rent ... At XXXX XXXX : I paid rent for XXXX XXXX XXXX ' XXXX XXXX XXXX Condominiums from XX/XX/XXXX-XX/XX/XXXX and typically by POMO . All that 'XXXX ' rent money I earned/paid -- not the same money I 've deposited at BOFA/ML -- is mostly likely still in an account for my name at XXXX XXXX , hence the XXXX recent check theft debacle. I did not open a WF account in my name during XX/XX/XXXX-XX/XX/XXXX : XXXX XXXX XXXX XXXX agent of process/property manager of XXXX XXXX XXXX Condos did it by using my identification information because I was the one working/earning/paying the money no one could really collect and once it added up to be the XXXX County declared purchase price of the condo, I was attacked at 'XXXX '. At XXXX XXXX : {$40000.00} it was/is about. IRS : recent -- XXXX -- IRS complaint # XXXX {$2800.00} illegal debit XXXX.",,Consent provided,Web,2016-06-27,Closed with explanation,Yes,Yes,CR1986436,4994
2016-06-27,Credit card,,Credit determination,,I have not requested or authorized XXXX XXXX XXXX or XXXX XXXX XXXX credit to make any inquiries into my credit file,,Consent provided,Web,2016-06-29,Closed with explanation,Yes,No,CR1987278,1960
2016-06-27,Credit card,,Identity theft / Fraud / Embezzlement,,"I lost my Eagle National Bank Visa credit card : XXXX and someone made over {$600.00} worth of unauthorized and fraudulent charges on my credit card account. I have notified Eagle National Bank on numerous occasions about the unauthorized charges, but I keep getting harassing and threatening telephone calls and death threats, informing me I need to make a payment on my account immediately. Under the Fair Credit Billing Act ( FCBA ) a consumer is not liable for unauthorized or fraudulent credit card charges.",Servicemember,Consent provided,Web,2016-06-27,Closed with explanation,Yes,No,CR1987334,189
2016-06-27,Bank account or service,Checking account,Problems caused by my funds being low,,"PART 1, TO BE CONTINUED IN PART 2 : When I signed up at/with Eagle National Bank I only physically signed one agreement that only stated and I agreed to that if my checking account was overdrafted after XXXX, of any given day of the week, I had until XXXX of the following day to bring my checking account current and out of its overdraft status or otherwise I would be charged and receive an overdraft fee of {$35.00} for each appropriate overdraft transaction in my checking account. Being a very low fixed income Social Security XXXX and SSI monthly recipient due to my XXXX and XXXX status, I found this arrangement within the only agreement that I signed with Eagle National Bank to be a very excellent arrangement. Then one day, about a month ago, after XXXX, my Eagle National Bank checking account went into an overdraft situation and as I regularly and normally did, I made a deposit into my Eagle National Bank checking account before XXXX, which quickly brought my Eagle National Bank checking account out of its overdraft status so I taught at the time that I had done what I had agreed to do with Eagle National Bank as per the only agreement I signed with Eagle National Bank. Then the following day, to my surprised I received an overdraft fee of {$35.00}, which shocked me greatly and then to add insult to injury, when I called customer service, I was told that the overdraft fee portion of the only agreement I ever signed with Eagle National Bank, had been totally eliminated and changed. I was totally uninformed, unaware and clueless of the overwhelming overdraft related elimination and change that took place at/with Eagle National Bank, in one very quick second, America 's Most Convenient Bank had become America 's Most Inconvenient Bank. The customer service representative quickly informed me that a Eagle National Bank mass mailing of a date sensative letter had been mailed out to all of its customers, a letter which explained the overdraft related eliminate and change. A letter I was never sent or received so when the Eagle National Bank customer service representative explained the entire situation to me and she reversed/refunded the {$35.00} overdraft fee to my Eagle National Bank account, I informed her that I did n't like or accepted these unfair changes. To this day I still have't received the original or a copy of EN Vank 's so called mass mailing letter. I 'm still very disturbed about how Eagle National Bank, had pulled the rug from right under my feet so I recently expressed my concerns to the XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I never signed anything stating I accepted, agreed with/to or honored that overdraft related eliminations and/or changes. Then last Friday, out of the blue, I received a surprising and much welcomed call from my local Congresswoman 's office and a highly powerful and profiled XXXX XXXX lawyer that had been forward my concerns, along with over XXXX other low fixed monthly income Social Security XXXX and XXXX recipients, that live all over the United States. To the lawyers surprise, we all shared XXXX thing in command, Eagle National Bank 's totally uncivil, unfair, discriminating, while also taking total advantage of endless XXXX Americans and their families receiving very low fixed monthly income related direct deposits from Social Security XXXX, XXXX and/or their local state agencies. The lawyer informed me that XXXX other XXXX XXXX related law firms and his own personal XXXX XXXX related law firm were all going to team up to filing a class action lawsuit against Eagle National Bank soon and that he would like for me to one of the many XXXX Americans and/or low income families that XXXX other partnering XXXX XXXX law firms together with his own personal XXXX XXXX law firm are going to be totally and fully representing in a US Federal court.",,Consent provided,Web,2016-06-27,Closed with monetary relief,Yes,Yes,CR1987188,4623
2016-06-27,Credit card,,Credit card protection / Debt protection,,"On XXXX XXXX, 2016 at XXXX I was solicited to open a credit card account at Nordstrom Department Store . The account was opened and my purchases of {$3400.00} were approved. On XXXX XXXX, 2016 around XXXX I checked my credit report. To my dismay I discovered my credit score dropped drastically. My newly opened Nordstrom account is 244 % or {$2400.00} over the credit limit. How can I be approved for this purchase and my credit damaged by opening a Nordstom account and using it without any knowledge of my credit limit?",,Consent provided,Web,2016-06-27,Closed with non-monetary relief,Yes,No,CR1985751,4273
2016-06-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-06-29,Closed with explanation,Yes,Yes,CR1986574,2779
2016-06-27,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-06-27,Closed with explanation,Yes,No,CR1986968,1382
2016-06-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-27,Closed with non-monetary relief,Yes,No,CR1986308,5002
2016-06-27,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-06-27,Closed with explanation,Yes,No,CR1987110,4237
2016-06-27,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,Consent not provided,Web,2016-06-27,Closed,Yes,No,CR1986344,3117
2016-06-26,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank did not post a resolution letter in the message center regarding my account, in claim # XXXX",,Consent provided,Web,2016-06-28,Closed with explanation,Yes,No,CR1985402,4099
2016-06-26,Credit card,,Identity theft / Fraud / Embezzlement,,"I have been receiving harassing, threatening and death threats telephone calls from Eagle National Bank representatives in regards to credit card account and debt of {$780.00} that I do not owe. The account or debt do not belong to me. I am a victim of identity theft.",Servicemember,Consent provided,Web,2016-06-26,Closed with explanation,Yes,No,CR1985348,11686
2016-06-26,Credit card,,Closing/Cancelling account,,"In XXXX XXXX I closed a America Express account managed by XXXX XXXX XXXX. The outstanding balance was XXXX. The last time that the account was available on line was in XXXX XXXX there was no balance outstanding. Several months later in XXXX XXXX accepted a charge to that account using the closed account number, an card expiration date 10 months in the past for approximately {$97.00}. XXXX XXXX XXXX accepted the charge to an account closed 7 months previously with an account number terminated 10 months prior with an expiration date 9 months in the past. From XXXX to XXXX XXXX they then charged interested and late charges without ever contacting me. In XXXX XXXX, 14 months after closing the account and 7 months after the charge I received in the mail the account was significantly in default with {$150.00} in late charges. I do not accept that the XXXX account should have accepted the charges. XXXX XXXX XXXX currently lists my FiCA score as XXXX perfect, and XXXX list the account as closed in with XXXX outstanding balance.",,Consent provided,Web,2016-06-28,Closed with monetary relief,Yes,No,CR1985299,2019
2016-06-26,Credit card,,Identity theft / Fraud / Embezzlement,,"On Thursday morning XXXX XXXX, I was alerted by email that my XXXX XXXX card had a new user added to my account. I called and told them this was fraud and they took the necessary steps to verify my identity close the account and get a new card sent to me. At that time they also added a password to my account so that any future transactions by phone would need to verify the password to proceed. Later that same morning I received an email from XXXX, another creditor of mine that a new user had been added to my account. I called and reported it as fraud, they closed the account, made arrangements to get a new card to me and also added a password to my account to verify my identity for future transactions by phone. 

In both instances the representatives that I talked to told me that someone called and had enough information about me ( social security number, and other financial information ) and after a few attempts was able to convince the representative that they were me. I immediately got a copy of my credit report and talked to someone at my credit monitoring service about the situation. They added a fraud alert to my credit report and recommended that I call my other credit card issuers to alert them to the situation. 

I called Eagle National Bank, another creditor, to alert them to the possibility of fraud. There had been no evidence of it yet but we added a password to the account in the event an attempt was made. The next day I received a call from a fraud specialist at Eagle National Bank questioning the addition of a new user to my account as she thought it might be fraudulent. I immediately told her to close the account and then I began questioning her on how this could happen since I had called the day before and added a password so this could n't happen over the phone. She told me that the caller could n't verify the password but was added to the account anyway! After I expressed my dissatisfaction with the situation she said that the regular customer service representatives are n't as well trained in fraud and account security. 

I received replacement cards from the XXXX creditors, when I called to activate the cards with XXXX and XXXX through the automated system I was immediately transferred to a fraud specialist for extensive questioning that started with me knowing the password that was placed on the account and then questions from my financial history so they could verify my identity before activating the cards ( exactly what I would expect in this situation ). 

When I called Eagle National Bank I was able to activate the new card through the automated system by typing in the last XXXX digits of the account number. I was concerned about that so I called the customer service number, I got to a representative by inputting my social security number and when she picked up the phone she asked for the account password. I gave her the password and she told me that was n't the correct password and asked if I would like to change it. I did n't know what to say to her, I thought to myself they ca n't possibly have so little regard for account security on an account that has already been breached. I 'm convinced that by the end of the week the person that has all my information will convince someone at Eagle National Bank to send them a new card for my account because their security is nonexistent. 

Who regulates this industry? Are there any rules in place to protect consumers from XXXX? A number of red flags should have been raised in my situation including multiple attempts to answer security questions, a request to add a user with a different last name and sending a card to a different address in a different state. Rules against any of those without a verification call to the primary phone number on the account would probably cut credit card fraud in half.",,Consent provided,Web,2016-06-26,Closed with explanation,Yes,No,CR1985462,807
2016-06-26,Credit card,,Other,,"I did not receive my credit card statement in the mail from Target for the time period of XX/XX/XXXX2013. I noticed this when I just happened ( luckily ) to check my account online. I spoke with a representative and all late charges were removed ; I paid my bill in full online the day I noticed - as well. 
This - however - is reporting to all of my CRA 's as 30 day delinquency for XX/XX/XXXX2013 with Target. I would like this removed.",,Consent provided,Web,2016-06-26,Closed with explanation,Yes,Yes,CR1985341,2103
2016-06-26,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-06-26,Closed with monetary relief,Yes,No,CR1985541,313
2016-06-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I bank on line. I make monthly payments to Eagle National Bank based upon the amount shown on line as due and the date due. I get calls from them saying I 'm delinquent. I tell them something is wrong. I looked at a statement mailed to me from them. It shows a different amount than shown on line. I called the bank numerous times. I 'm told something is wrong as their on line is not showing the correct amounts. I was told I would receive credits for late charges. 2 people, 1 from on line banking dept and the other from home loan department both tell me how much and when my next payment is due. I made that payment before that due date. I then received in the mail a statement showing different amounts and a phone call from the bank and that person said I was delinquent.",Older American,Consent provided,Web,2016-06-25,Closed with explanation,Yes,No,CR1984266,5127
2016-06-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,I have the Eagle National Bank Pre Paid Unemployment card with the state of Michigan. There were transactions I did not recognize. I have supplied police reports and picked up my wallet from the police station.,,Consent provided,Web,2016-06-25,Closed with explanation,Yes,No,CR1985059,2509
2016-06-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I submitted a check for {$3.00} and it was denied, while my account had over {$500.00} in it. I called three bank branches and was given ran around and no explanation whatsoever why I was denied and charged {$2.00} and later another {$2.00} for the denied check. Representatives kept transferring me to the automated system, which was of no help to me. The last person XXXX, from the branch on XXXX XXXX XXXX was extremely rude and unhelpful.",,Consent provided,Web,2016-06-25,Closed with monetary relief,Yes,No,CR1983520,1395
2016-06-25,Credit card,,Identity theft / Fraud / Embezzlement,,"I have been receiving harassing and threatening telephone calls from a Eagle National Bank representatives in regards to my Eagle National Bank Visa credit card account : XXXX. Numerous representatives have harassed and threatened me to pay a debt of {$600.00} on my account. I informed each representative that my credit card was stolen and the {$600.00} debt is due to fraudulent charges. I am still being held liable for unauthorized use and fraudulent charges that do not belong to me. Under the Federal Trade Commission The Fair Credit Billing Act ( FCRA ) and Electronic Fund Transfer Act ( EFTA ) offer protection to a consumer if your credit, ATM or debit card are lost or stolen. I am not liable for unauthorized use or charges. I just Eagle National Bank to delete and remove the debt of {$600.00} from my credit card account.",Servicemember,Consent provided,Web,2016-06-25,Closed with explanation,Yes,No,CR1985339,1153
2016-06-25,Credit card,,Advertising and marketing,,"My Eagle National Bank Travel Rewards ( Visa ) Card is advertised as having no foreign transaction fee. On XXXX XXXX XXXX I made a purchase for XXXX XXXX and was charged XXXX USD, which implies an exchange rate of approximately {$1.00} per XXXX. XXXX discloses an XXXX exchange rate on their website of XXXX for XXXX XXXX XXXX. XXXX also discloses a XXXX exchange rate of XXXX. These rates are not inverses ( XXXX - XXXX = XXXX ). The difference in these rates constitutes a spread - the profitable difference between the rates at which XXXX buys and sells XXXX. 

Supplement XXXX to XXXX XXXX a ) ( Effective Date : XXXX/XXXX/XXXX ) makes clear that a markup over a fair exchange rate is itself a foreign transaction fee : "" The foreign transaction fee is determined by first calculating the dollar amount of the transaction by using a currency conversion rate outside the card issuer 's and third party 's control. Any amount in excess of that dollar amount is a foreign transaction fee. Conversion rates outside the card issuer 's and third party 's control include, for example, a rate selected from the range of rates available in the wholesale currency exchange markets, an average of the highest and lowest rates available in such markets, or a government-mandated or government-managed exchange rate ( or a rate selected from a range of such rates ). '' That Eagle National Bank passes that charge on to me, the cardholder, also clearly makes it a foreign exchange fee : "" Fees imposed by a third party are included only if they are directly passed on to the consumer. For example, if a credit card network imposes a 1 percent fee on the card issuer, but the card issuer absorbs the fee as a cost of doing business ( and only passes it on to consumers in the general sense that the interest and fees are imposed on all its customers to recover its costs ), then the fee is not a foreign transaction fee and need not be disclosed. In another example, if the credit card network imposes a 1 percent fee for a foreign transaction on the card issuer, and the card issuer imposes this same fee on the consumer who engaged in the foreign transaction, then the fee is a foreign transaction fee and a finance charge. '' The simplest test of whether a customer is charged a foreign transaction fee is if a purchase and a return on the same day ( and for the same amount of foreign currency ) leaves the customer worse off. Clearly this would be the case : a XXXX XXXX purchase followed immediately by a XXXX return given the above spread of XXXX between the XXXX and XXXX exchange rates would cost the customer about XXXX dollars.",,Consent provided,Web,2016-06-25,Closed with explanation,Yes,No,CR1984575,355
2016-06-25,Bank account or service,Checking account,Using a debit or ATM card,,"An ATM claim was filed with my bank, Eagle National Bank, for a charge in the amount of XXXX which occurred on or around XXXX XXXX from XXXX. I received an information packet from Eagle National Bank today, XXXX XXXX, with information denying my claim, there is documents from XXXX showing information on the charge but did not prove the product/item was delivered. The product/item in question is XXXX tickets to XXXX XXXX in XXXX XXXX on XXXX XXXX, I live in XXXX and have not been to XXXX XXXX on or around this date. In fact, my last visit to XXXX was XXXX XXXX to the tenth of 2015. I explained to Eagle National Bank rep taking claim that the product/item was not received and did not make the purchase, it appears someone used my card number to purchase tickets while person was in XXXX, the purchase was made over internet. I suspect their website might have been hacked and or person had my card number written down. The card was not lost or stolen and explained that this is the only unrecognized charge Ive seen so far, did not feel need to order a new card. It appears tickets were not used upon learning ID had to be shown to get into event, Ive checked into this and learned that they were not in fact used. This information was provided by rep ( s ) at Venue Driver as well as XXXX XXXX, the party owned by XXXX. Ive attempted to resolve matter directly, however, XXXX has a strict no refund policy and will not issue refunds, even if fraud occurred. They will even deny a charge is fraud so as to avoid having to issue refunds. Their rep ( s ) have referred me back to Eagle National Bank. They have a complaint with the XXXX as well as XXXX Attorney General 's office, both unresolved. I called Eagle National Bank today to further dispute charge, however, I was advised it is considered closed as merchant provided proof tickets were received, this proof is merely a confirmation showing tickets were sent to my email. However, no such email was received as I have a block preventing any email from unrecognized senders. Also, as mentioned previously, I was not in XXXX on or around time of purchase and no way I would purchase tickets to an event I could not go to. In closing, please advise Eagle National Bank I need this item further disputed. Ive attached an email from XXXX with XXXX denying refund. Eagle National Bank recently replied again denying further inquiry into dispute, did not provide any new information as they have nothing to show any email received by myself. The information they have shown thus far is merely an email was supposedly sent but not received with item or product. Again, I wish to reiterate I was not in XXXX to attend any such event and would not purchase tickets for something I can not go to. Please do not mark this as duplicate, there is additional information contained.",,Consent provided,Web,2016-06-25,Closed with monetary relief,Yes,No,CR1983933,713
2016-06-25,Credit card,,Transaction issue,,"I changed banks to XXXX, a division of XXXX XXXX. Since I did that, Target Card Services has failed to post payments even one business week after the bank shows that the payment cleared. For example : a payment was made on XX/XX/XXXX. The bank shows that it cleared on XX/XX/XXXX. Today, XX/XX/XXXX, Target Card Services shows that the payment was made and shows the date it was made, but there is no corresponding adjustment to available credit. I see this and it looks like there was a problem with the payment. 

Even worse, a statement issued by Target Card Services on XX/XX/XXXX, the day after the bank shows the payment as cleared, DOES display a corresponding adjustment to available credit. Either I ca n't trust the online information, or I ca n't trust the statement, because they do n't agree. 

I have both called and messaged Target Card Services. Both times they cheerfully told me that I could resolve this right away if they could conference in my bank and get a confirmation that the payment ( which cleared a week prior ) actually cleared. WHAT? How are they verifying payments, XXXX XXXX? I need to conference call my bank? They did n't even offer a date for when the payment would clear if I DID N'T conference call my bank. 

This problem never happened when I was still with XXXX XXXX XXXX, but since XXXX XXXX XXXX was insanely fee-heavy and impersonal, I left. This problem also does not happen with any other credit card companies, including XXXX XXXX XXXX - it is only happening with Target Card Services. 

To add insult to injury, when I tried to reply to their completely unsatisfactory online message, the messaging system crashed. I 'm sure that was a coincidence, but I lost the lengthy reply I had composed, so it certainly did n't help.",,Consent provided,Web,2016-06-25,Closed with explanation,Yes,No,CR1984026,6034
2016-06-25,Credit card,,Credit card protection / Debt protection,,"I received the attached notice ostensibly from Target, alleging I owed them a payment. Neither my wife nor I have ever had a Target credit card or been in one. I called and the firs question asked was for my Social Security number. This is either a questionable market strategy or a complete scam. I have no idea. If you could inquire, that would be appreciated and would perhaps prevent people from providing their SSN. Thanks, XXXX XXXX",,Consent provided,Web,2016-06-25,Closed with explanation,Yes,No,CR1984661,13820
2016-06-25,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-06-28,Closed with explanation,Yes,Yes,CR1983551,3248
2016-06-24,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank charge me {$35.00} returned item fee when in fact the ( {$7.00} ) item was not returned. Eagle National Bank have the amount ( {$7.00} ) in there records but it is not showing in my all transaction records. I believed they purposely hide it. The {$7.00} was drawn by XXXX a financial company. XXXX used my debit card to collect payment and was paid by Eagle National Bank. One thing that puzzles me is if the item was returned to XXXX, it should show that I will have a balance on my account with XXXX. Reason why I file this complain is to recover my returned item fee of {$35.00} and show to others what this bank is doing just to get those fees even resorting to lying. Here are the reasons why I am contesting Eagle National Bank : 1. ) Whenever XXXX collect payments from Eagle National Bank, using my Debit card, the Bank rejects the collection if I have insufficient funds, without any penalties, just like withdrawing in an ATM. 
2. ) Eagle National Bank said they returned the item. No item was returned as per XXXX records 3. ) The amount ( {$7.00} ) is not showing on my account activity. I believed was deliberately hidden from me. 
I tried to resolve this Matter with the operation manager XXXX XXXX XXXX ( XXXX XXXX XXXX CA XXXX ) and the response is "" we can do nothing ''. 
I hope you can help me resolved this matter. I believed Eagle National Bank have violated bank regulations skimming customers by fees.",Older American,Consent provided,Web,2016-06-24,Closed with explanation,Yes,No,CR1984426,2980
2016-06-24,Bank account or service,Checking account,Problems caused by my funds being low,,"I am being excessively and double charged for the transactions. A total of {$47.00}. XXXX transactions went through at XXXX, and funds were automatically added at XXXX as well. No charges should be applicable. Shame on Eagle National Bank!",,Consent provided,Web,2016-06-24,Closed with explanation,Yes,No,CR1984864,4107
2016-06-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,I applied for a refinance and was pre-approved. The sales agent said if the loan was not approved the house would not be appraised or the appraisal fee would be returned. My house was appraised but I never was informed about the status of the loan. I was cut off and all correspondence by me has not been answered. I have requested a return of the appraisal fee and I have had NO ANSWER. The process was appalling by all concerned and I would not recommend this bank to ANYONE.,,Consent provided,Web,2016-06-24,Closed with monetary relief,Yes,No,CR1983351,4365
2016-06-24,Bank account or service,Checking account,Deposits and withdrawals,,"I was charged an overdraft fee on XXXX/XXXX/16 and my account was never negative. I had XXXX or XXXX transactions on hold that were pending and they did not clear that night and yet I was charged {$35.00}. I also had a direct deposit come in and still I was charged. I logged into my account and talked to a representative and she is saying that even though a charge is pending they will charge an overdraft fee even if it does not clear and, y account was not negative. This is robbery!!! How can I be held accountable for something that has NOT cleared and may not even go through, it might just be a hold. Eagle National Bank did not do this in the past and now they are. They have not informed customers of this change. They rep informed me that in the internal system it should the available balance was less because of the holds but on what the customer sees on the online banking the account is at a positive and is current. They can not deceive customers like this!",,Consent provided,Web,2016-06-24,Closed with monetary relief,Yes,No,CR1984177,4662
2016-06-24,Credit card,,Late fee,,"Eagle National Bank experienced failure in their auto-pay system. However, I was charged late payments, interest, and potentially other adverse affects.= This failure occurred a month ago. My auto-debit was enrolled for over a year. Auto-payment was adjusted to minimum payment. Minimum payment would have still counted as a payment. However, no auto-debit occurred. The bank account that was linked, has plenty of funds -I can prove that. 

When I was notified that i had "" missed '' a payment because their auto-payment did not deduct, I used the make payment button on the home screen. According to the person I talk to day named XXXX, this applied a payment to the wrong account. 

My credit score is in the high XXXX and my credit report has no missed payments. I have also not had a missed payment with Eagle National Bank since I opened the account in 2010. I have relationshiips with all XXXX of the major credit card companies and I can say without a doubt that my experience with Eagle National Bank has been the worst of late. I have been transferred mid sentence and dropped. I hope that this is only a one time event and can be resolved in the future so that EN can retain my business.",,Consent provided,Web,2016-06-24,Closed with monetary relief,Yes,No,CR1983507,13690
2016-06-24,Credit card,,Other,,hi i just found that i have a judement on my home i have been working with a mortgage company on selling my home so i can move closer to work the problem is i have contacted FIA Card Services several times also my mortgage company has to we have sent all info they asked for to release the judement and know body has contacted me or the mortgage company everything shows satisfied on my credit report we was told that me or my mortgage company would be contacted in 24 to 48 hours this has been going on for a month what is sad you can not talk with the people that handles this you talk with someone that tells you what to fax to them i filed bankruptcy in 2010 and they act like they dont have to do anything,,Consent provided,Web,2016-06-24,Closed with explanation,Yes,No,CR1984480,4194
2016-06-24,Credit card,,Billing disputes,,"I continue to receive charges on my Eagle National Bank credit card for a company I 've never done business with and have never heard of. EN claims the charge is legitimate based on information the vendor allegedly provided. It 's difficult to see how anything real could have been provided as I 've never heard of this company. EN bounced me around to 5 different departments, each of whom claimed they could n't help and had to transfer me on. Of course, each person again required all of my information to be given again and all of them were totally unable to help. 
This is a clear case of fraud yet EN refuses to take action.",,Consent provided,Web,2016-06-24,Closed with explanation,Yes,No,CR1984373,298
2016-06-24,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-06-24,Closed with explanation,Yes,Yes,CR1984756,4495
2016-06-24,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-06-24,Closed with explanation,Yes,No,CR1985026,9276
2016-06-24,Credit card,,Rewards,,,,Consent not provided,Web,2016-06-24,Closed with monetary relief,Yes,No,CR1983789,636
2016-06-24,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-06-24,Closed with monetary relief,Yes,No,CR1984277,862
2016-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-24,Closed with explanation,Yes,Yes,CR1984002,8359
2016-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-06-24,Closed with monetary relief,Yes,Yes,CR1983710,4019
2016-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-07-07,Closed with explanation,Yes,No,CR1981537,1285
2016-06-23,Bank account or service,Checking account,"Account opening, closing, or management",,I was XXXX hours a way from home and I tried to use my debit card to buy gas and I was told the card was declined. I call Eagle National Bank and they said that my card has been canceled. I try to tell them that I am far from home and I had no money for gas and all I need is access to my money and they said there is nothing they could do. Do they have the right to hold my money and black me from accessing my own account.,,Consent provided,Web,2016-06-23,Closed with explanation,Yes,No,CR1982894,1881
2016-06-23,Credit card,,Delinquent account,,"Following up on an already disputed issue, one which my last inquiry got no response, I am amazed to find that I somehow have a credit card with Eagle National Bank even though it was not usable after my accounts were closed. I had a small amount of credit and attempted to use it and it declined for the smallest of purchase after correspondence stating closure. I called the bank repeatedly and was hung up on several times and disconnected the other few. I am so tired of having to deal with this, I apologize for blaming this bank for not using due diligence in regards to the information I gave to the teller prior to his cashing of the check. I have documented response that my account ( s ) would be closed, the checking account was. How is it I am supposed to pay a credit card you will not allow me to use? This should have been noted, that in fact only the debit card/checking account was no longer in service. However the credit card is in fact not in service either and yet you expect payments? My name is XXXX XXXX, I 'm tired of getting hung up on and disconnected, I am very hopeful for the banks sake this has not go to collections as at that point I will have to escalate this further. How is it that I am unable to open any account through Eagle National Bank and all my accounts were closed, yet this remains. Please enlighten me.",,Consent provided,Web,2016-06-23,Closed with explanation,Yes,No,CR1981629,1911
2016-06-23,Credit card,,Credit line increase/decrease,,"For the last 9 months or so, Eagle National Bank has limited my online banking profile, causing me to not be able to make online payments properly. Each time a payment is attempted, I receive an error message detailing that the payment can not be accepted due to my account status. The account has never been in bad standing and I do not understand why the creditors online platform does not allow me to make payments in a manner that is convenient and expedient. I have had to call each and every time to make a payment over the phone and often times have been on the phone with service representatives for a period often exceeding 30 minutes in time. 
Eagle National Bankn then decided to take adverse action on XXXX of my accounts, closing XXXX out and lowering my credit limit from XXXX to XXXX on the other account. I do n't feel that that action was fair insight of my inability to properly access and use their online platform. Moreover, repeated attempt to correct the issue always seem to fall on deaf ears or seem to be corrected for a day or two.",,Consent provided,Web,2016-06-23,Closed with explanation,Yes,Yes,CR1982432,3997
2016-06-23,Credit card,,Billing disputes,,"My wife died last year XXXX/XXXX/2015 She had a credit card with Eagle National Bank. 
It is not and never was my account. ( I was an authorized user only ) I never gave permission to Eagle National Bank for this account to be my responsibility. 
Eagle National Bank put my name on this account with out my permission. 
When my wife passed away Eagle National Bank took my wife 's name off the account. 
Eagle National Bank then put my name on the account alone with out my permission. 
I sent certified mail from the time of discovery disputing this account to Eagle National Bank. 
Eagle National Bank refuses to prove I have any responsibility for this account. 
Eagle National Bank is hurting my credit and demanding payment and collections.",Older American,Consent provided,Web,2016-06-23,Closed with explanation,Yes,Yes,CR1982716,3433
2016-06-23,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2016-06-27,Closed with explanation,Yes,Yes,CR1982165,3089
2016-06-23,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-06-27,Closed with explanation,Yes,Yes,CR1982184,11598
2016-06-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-23,Closed with monetary relief,Yes,No,CR1980760,2840
2016-06-23,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-06-23,Closed with explanation,Yes,No,CR1979681,2340
2016-06-22,Bank account or service,Checking account,Using a debit or ATM card,,"A merchant tried crediting me back for {$1500.00} in XXXX XXXX for a payment I made with a old debit card in XXXX XXXX. This credit never posted to my bank account because Eagle National Bank can find no record of this card in my name. However, I have receipt from merchant showing I paid with the said debit card and a matching bank statement showing the charge on that card went against my bank account. I also have email from Eagle National Bank bank in XXXX where they are informing me they are disconnecting this card do to security concern. Even with all of this clear cut information, Eagle National Bank still denies I had that card. The merchant ( XXXX ) has provided receipts and their bank statements with trace numbers to try in find out where the funds are now since it did not return to them. I have been going at this for 3 weeks now and no one at Eagle National Bank will look into where the funds actually are now. It should be easily traceable with the trace number to solve the issue. Why can no one tell me where the funds are now to solve the issue? Please help. Thanks.",,Consent provided,Web,2016-06-22,Closed with non-monetary relief,Yes,No,CR1979849,3211
2016-06-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank has lied and they just do not want to assist customers in finical hardship. Since our last discussion I looked into Eagle National Bank option of Credit Counseling and they should be aware that CLOSED accounts are not eligible for that plan. My account is closed and has been for sometime which means that it is not eligible for their suggested program and yet they still refuse any assistance to their former customer in addition Eagle National Bank has yet to provide me with information about their "" regulation '' that restrict their programs but no other bank including those larger than Eagle National Bank appears to have the same restrictions.",,Consent provided,Web,2016-06-22,Closed with explanation,Yes,Yes,CR1978034,2825
2016-06-22,Bank account or service,Checking account,"Account opening, closing, or management",,"To whom this may concern, I am in a bit of a unique situation that has severely limited my access to financial services and I am writing this complaint in hopes that a solution can be reached. 

By way of background, here is the problem : I am currently located in XXXX but receive physical checks from my freelancing work. These physical checks are delivered to my US address, XXXX XXXX XXXX, XXXX XXXX, California, XXXX because international mail is both expensive and inconsistent. While I previously had these checks sent to directly to my US bank account, my bank decided, for unknown reasons to close my bank account. As a result, I have been unable to cash about 6 months worth of checks and have been having significant financial troubles. While I could resolve this situation by traveling back to the US and opening up another bank account I am prohibited from doing so because of the associated cost. Despite having over one thousand dollars in soon-to-be stale checks in the US, I am unable to access any of the monies from those checks. 

I am writing this complaint in hopes that Eagle National Bank will provide me with a detailed response on how I can get those checks cashed and gain access to the monies. Thus far I have tried : 1. ) Giving my mother, who is receiving the checks at my former US address, a Durable Power Of Attorney. The bank refused to honor this Power Of Attorney despite it being fully signed and executed. The bank states that I must have the Power Of Attorney notarized, however, XXXX is not a signatory to the XXXX and thus is not allowed to do international notarization. At the same time, the US Consulate provides notarization services but traveling to and from the US Consulate and paying the notarization fee is beyond my financial means. 
2. ) Other means such as sending the checks to XXXX, signing the checks, then sending them back to the US and then having my mother deposit the now endorsed check. It works but because of the shipping times involved, some of the checks become stale dated and expired, thus limiting my ability to gain access to my funds. On top of this, the additional shipping costs are unreasonable for small dollar checks. 

In review of the California Statutes regarding notarization as listed here : XXXX I would like to inquire if the bank with allow a signed power of attorney with XXXX witness signatures, in accord with Section 4122. Please promptly advise and I will have a Power Of Attorney signed with XXXX signatures made available to the bank for review. 

Finally, in review of the CFPB guidance regarding POAs and similar options listed here : XXXX and XXXX, I would like the bank to explain if there is any other method, option, or service that could allow me, or a family member acting on my behalf to cash the checks. 

You may call me at XXXX XXXX XXXX XXXX or contact me directly at XXXXXXXXXXXX Sincerely Yours , XXXX XXXX XXXX",,Consent provided,Web,2016-06-22,Closed with explanation,Yes,No,CR1980827,3127
2016-06-22,Credit card,,Closing/Cancelling account,,"This has been somewhat involved so hopefully I have got this all accurate and complete. I was offered a credit card from Eagle National Bank ( BA ). I received this card about a year ago. I used it for a few months and there ended up being a problem that BA could not seem to fix. Not too long ago they sent me a letter stating that they have closed this account. They say "" This action was taken because of the following reasons : '' That list says "" This account has been inactive '' and "" Derogatory public record or collection filed '' The reason it has been inactive is because they put some kind of stop on it and they could never get that straightened out. ( Separate issue and involves real incompetence of some kind ). I have called BA and tried more than once to find out exactly what is the specifics to the second reason : "" Derogatory public record or collection filed ''. BA is the one who has closed this account and they would be the only one I know that would know why specifically they closed it. What is it about this "" record '' that they have closed my account? I can get a copy of this record, but that wo n't tell me why BA closed it, I want their specific reason. I may want to do a dispute of this closing as I am concerned that now my record may show that I had not only a credit card account closed by the issuer, but for some kind of derogatory reason. 

I have called and since they could n't seem to answer my question I asked to be put in touch with the department and someone who could answer my questions. I believe that they told me they would contact me. I have never had any answer to this. I know this is more of some kind of policy that they can have, but there is no way to email or message them. I want to ask for a specific number and hours to call about this. Instead all I could do there is to use facebook! Can you imagine this is how they do some of their customer service? What a pathetic joke. I asked about my problem there. Quick reply but it was just another generic number, the kind that once again got me to no one who could help. I messaged again on childrens facebook and re explained what I need and was told they would be checking into it for me. Well up to 5 days now and no reply. So I just messaged again and told them they would be hearing from the CFPB as I am not going to keep burning up time trying to get a couple simple questions answered. 

These banks should be put out of business as far as I am concerned or at the least break them up into much smaller banks so we can get some kind of accountability to the customers. I know there are a lot of things that can be company policy and are allowed along with no one having to do business with them. But in this case I think I am due answers especially with the ramifications to me.",,Consent provided,Web,2016-06-22,Closed with explanation,Yes,Yes,CR1981001,4739
2016-06-22,Bank account or service,Checking account,"Account opening, closing, or management",,"I have been with Eagle National Bank for over nine years and have personal and business direct account with them. This was regarding by business account. I own a laundromat and that is a cash business, I deposit over {$12000.00} a moth in this account and Eagle National Bank charges a fee if it supposed {$10000.00}. One of the bank employees offered to help me set up my account so I avoid that fee. 
She had made a mistake how she set my account, she has set up my account that I should have {$40000.00} in my account minimum ( which is how much a receive from my business in the whole year )!! 

As a result of this, I have been charged maintenance fee of {$30.00} a month for 15 months. From XXXX XXXX to XXXX XXXX. 

When I brought this to the attention of the bank manager XXXX he admitted that they made a mistake BUT because I took so long to notice their error he was ONLY going to refund HALF of my money! They charged me over {$450.00} and only gave me back half. I filed a complained to Eagle National Bank customer service and did not get enywhere the manager only returned half. I think it is completely UNETHCAL for Eagle National Bank to get paid for the mistake they did on my account and they should not be paid for it! 
I would like a full refund and my my account restated the way it way before it was tampered with ( at {$500.00} minimum at my account which was their promotional offer when I opened an account with them! 
After it was tampered with I have lost this promotion and now I have to minimum of {$1500.00} on my account ).",,Consent provided,Web,2016-06-23,Closed with monetary relief,Yes,No,CR1980603,77
2016-06-22,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX/XXXX/2016, an unauthorized ACH posted to my Eagle National Bank account in the amount of {$2000.00}. I went into the bank on the day it posted and signed a dispute claim. Three weeks later, I saw that the money was still not refunded to my account. I called Eagle National Bank 's fraud department to get a follow-up, and was told that the dispute had been resolved in the other party 's favor because the other business claimed I had in fact authorized the charge. The member of the fraud department to whom I spoke could not give me any information regarding the entity that debited my account, what evidence had been provided suggesting that I had authorized this ACH, or tell me what else I could do to get my money back. 

Imagine that your bank account is debited {$2000.00}. You go into the bank and tell them that you did not authorize the dispute. Three weeks later, the money is not back in your account, and when you call their fraud department to inquire, they tell you that you are n't going to get the money back and that there is simply nothing else they can do to help you. This is what Eagle National Bank has done to me.",Servicemember,Consent provided,Web,2016-06-22,Closed with explanation,Yes,Yes,CR1979631,3714
2016-06-22,Credit card,,Other fee,,,,Consent not provided,Web,2016-06-22,Closed with monetary relief,Yes,No,CR1980898,11713
2016-06-22,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-06-29,Closed with monetary relief,Yes,No,CR1980569,2857
2016-06-21,Bank account or service,Checking account,Deposits and withdrawals,,"I am on unemployment and my husband is unemployed as well. My unemployment payout is not as predictable as a paycheck and therefore I have sustained a number of {$35.00} overdraft fees. Eagle National Bank did refund some and I am working on getting my auto pay accounts deactivated but I have XXXX {$35.00} overdraft fees I still need refunded. The {$35.00} fees are for items some of which were under {$10.00}. Due to this I have {$95.00} to live on until next week. It will go for groceries. 
My complaint is that my unemployment deposit covered the items the bank paid the night before so it was a matter of hours. I could understand XXXX fee but they are causing more hardship than I already had financially. 

Please see if you can help me with this. 
Thank you in advance!",Older American,Consent provided,Web,2016-06-21,Closed with monetary relief,Yes,No,CR1978411,2283
2016-06-21,Bank account or service,Other bank product/service,Using a debit or ATM card,,"XXXX charged me {$320.00} for a car rental that includes over {$120.00} in fees that were either not disclosed to me or they can not prove. Eagle National Bank ( BofA ) refuses to reopen a claim of this on my behalf, since this was on a credit card. The "" proof '' that BofA accepted as proof of my authorization to debit my credit card is a blank sales invoice from XXXX that does n't include any information regarding what the fees are for. XXXX is refusing to provide me with any information, and BofA is also refusing to provide me with any information that XXXX has provided to them. I have attached the invoice that BofA accepted as proof. As you can see, this is merely a typed up "" invoice '' with a random list of numbers, that conveniently adds up to the {$320.00} total that has been charged to my credit card. I have attached screenshots of my conversation with XXXX that demonstrate they do not have any proof that I authorized this charge.",,Consent provided,Web,2016-06-21,Closed with explanation,Yes,No,CR1979172,2320
2016-06-21,Credit card,,Other fee,,"I purchased a secondary market gift card at a XXXX % discount from XXXX XXXX XXXX. They charged my Amex card through XXXX for the amount - {$25.00}. XXXX then issued a separate charge of {$10.00} for "" cash equivalent - transaction fee '' This amounts to XXXX %, no notice and vague definitions do not even get close to this type of transaction. I have been buying gift cards for years from various vendors and have never encountered or been aware of this a fee. I feel scammed and the fact that there is no notice and the high percentage should not be allowed.",Older American,Consent provided,Web,2016-06-30,Closed with monetary relief,Yes,Yes,CR1978183,3062
2016-06-21,Credit card,,Rewards,,"My account was closed by XXXX on XXXX/XXXX/16 by the bank, however, I have earned rewards of XXXX Worldpoints that are clearly visibility on the website as I type this but I am unable to redeem because the account is closed. I called XXXX on XX/XX/XXXX and they said I would receive a letter in 5 days. Today XX/XX/XXXX, I received notice that because the account is closed I could n't redeem rewards. It was not my choice to close the account, and I should be able to cash out my rewards earned. Please have XXXX send me a check in the amount of {$1000.00} which I could normal redeem these rewards for if the account is open. It is bad business by XXXX to close my account without my consent. I have been paying the account as agreed with no late payments and should be able to cash out rewards. Please have XXXX contact me at XXXX to discuss sending my rewards or legal action may be required. 

Sincerely, XXXX XXXX",,Consent provided,Web,2016-06-22,Closed with explanation,Yes,No,CR1977218,6144
2016-06-21,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,"Attached please find copies of old CD that Eagle National Bank refuses to pay. 
According to the record "" required distribution is XX/XX/XXXX '' I moved at the time XX/XX/XXXX and now discovered CD statement are not forwarded but sent back to the bank. I lost track of them until I cleanned out my safty deposit box the bank refuses to pay me when i went to withdraw",Older American,Consent provided,Web,2016-06-21,Closed with explanation,Yes,No,CR1977425,3268
2016-06-21,Bank account or service,Checking account,Problems caused by my funds being low,,"I am currently a customer of Eagle National Bank ... .small electronic debits were attempted from a merchant which caused my account to be overdrawn.the bank charged me XXXX in overdraft fees, i contacted them to have these fees reversed and was denied ... Imagine XXXX overdraft fees for a XXXX transaction.",,Consent provided,Web,2016-06-21,Closed with explanation,Yes,No,CR1977846,4535
2016-06-21,Bank account or service,Checking account,Problems caused by my funds being low,,Recently Eagle National Bank change the way they process transactions. I am a customers that lives check by check. My work checks are direct deposit on fridays each week. I pay my car every other week and now I have incurred in more than XXXX overdraft fees of XXXX. They said this change was because customers wanted it like that. What customers rich customers? I ca n't not afford this and certainly I ca n't not afford loosing {$35.00} dollars just like that. The only reason why have n't close my account is because I have to many payments linked to my account. I feel this NEW thinks is not only afftecting me is affecting people like me and we are getting excesive overdrafts fees. We are being robbed XXXX for the little money we make.,,Consent provided,Web,2016-06-21,Closed with monetary relief,Yes,Yes,CR1978879,481
2016-06-21,Credit card,,Late fee,,"Hello, After receiving a credit I requested, I am being told I must still pay the disputed amount to keep my account in good standing. Even though by doing so, I will incur a credit balance. To ultimately get my refund, I must call Target after I 've paid and they 've issued the refund to again request a refund to be issued by a paper check? BACKGROUND : first you need to know I rarely use my Target credit card. However, after receiving a letter that my card would be deactivated if I did n't charge something before a certain date, I made a point to stop at target and buy something because I thought it useful to keep my card active. However, I have moved and since I rarely use the card, the bill was delivered to my previous address. When I actually got the bill it was XXXX XXXX, the day before the due date of XXXX XXXX. After working with Target.com for over an hour on XXXX XXXX, I finally was in a position to pay my bill online, the only means available to me to make the payment on or before the due date, since it was too late to pay by mail, and I could n't get to the nearest Target ( XXXX miles away ) to pay in person the next day. So, I paid my bill online, or so I thought, on XXXX XXXX. The next day, when checking my emails, I realized I did not receive a confirmation of my payment. I checked my bank account and there was no evidence the payment had been made. I logged in to target.com and my payment was NOT noted. So ... .I paid my bill but unfortunately for me it was after XXXX on XXXX XXXX. Today, XXXX XXXX, I received an electronic notification of my target bill and was shocked to see {$26.00} in charges. ( A {$25.00} late fee plus a {$1.00} minimum charge ). I promptly called Target and was told since my account was in good standing, Target would waive the {$26.00} and credit my account. HOWEVER, I WAS TOLD BY THE AGENT AND BY A SUPERVISOR, XXXX, THAT I MUST STILL PAY THE {$26.00} TO KEEP MY ACCOUNT IN GOOD STANDING! I asked why since my bill is not due until XXXX XXXX. Why should I incur a credit balance of {$26.00}? Supervisor XXXX confirmed the charge had already been waived on my account. The answer was I could call back and get a refund check sent to me. Really? It will cost Target more than {$26.00} to take my call and issue a paper check. Please, can you please do something about this. I believe this is a predatory practice so Target can get the funds and reap the benefit of interest earned. If they do this with all their customers, as Supervisor XXXX assured me, then {$26.00} among even XXXX out of XXXX customers can add up to a tidy revenue stream. 

Thank you for reading this and listening to my concern.",,Consent provided,Web,2016-06-21,Closed with monetary relief,Yes,No,CR1978031,4563
2016-06-21,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-06-21,Closed with monetary relief,Yes,Yes,CR1978012,2696
2016-06-20,Bank account or service,Checking account,"Account opening, closing, or management",,"I had an account be closed in 2013 with a negative balance of {$150.00} and some change. They closed my account before I could bring it out of the red and they reported me to XXXX and XXXX with a "" Suspected Fraud '' notation on both reports. I have attempted to dispute with XXXX and the "" Suspected Fraud '' notation remained. I am being accused of committing fraud when that was clearly not the case. They can not prove that fraud was committed because it was n't",,Consent provided,Web,2016-06-20,Closed with explanation,Yes,Yes,CR1975165,4412
2016-06-20,Bank account or service,Savings account,Problems caused by my funds being low,,"In XX/XX/XXXX XXXX ( XXXX ) XXXX rented her house and deposited the {$1900.00} security deposit in a newly opened savings account at the Eagle National Bank branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. She had long maintained a checking at the branch, automatically deposited her social security check there and had financed the purchase of her home with a mortgage loan then held by Eagle National Bank. 

Shortly before her house was rented, XXXX moved to XXXX XXXX and started making deposits and withdrawals to her checking account at the Eagle National Bank branch located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. In or around XX/XX/XXXX, the bank required a savings account balance of {$2500.00} in order to avoid a monthly fee of XXXX dollars. It notified XXXX by mail of its new minimum balance requirement. She was born and raised in XXXX and does not read English well, if at all. She also failed to notice the charges on her bank statements perhaps because she had no formal financial training. As a result she remained unaware of the fees,, Recently when discussing her accounts with representatives of the XXXX XXXX branch she discovered that the monthly fees had reduced her savings account balance to {$1300.00}. 
The bank considers her a "" valued customer over 25 years ''. 

She respectively requests that these fees be reversed. 


.",Older American,Consent provided,Web,2016-06-20,Closed with monetary relief,Yes,No,CR1977278,994
2016-06-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Please see attached for description of problem that has been ongoing since XXXX XXXX. Wrong legal description on current loan through Eagle National Bank holding up a new loan. Having tried countless times, phone calls, faxes, etc. to get the documentation resolved for a final loan to be obtained for XXXX of our other homeowners loan, we were met with so much conflict, employee lack of knowledge, brushed off, as well as several times being told to patiently wait until XXXX XXXX to allow the problem to be resolved. In XXXX when we again called we were told the problem was resolve in XXXX, at which point we applied for the loan again, only to be told it was NOT corrected. and again later ... with a final person saying we have to make the corrections on our end. In saying this we have had our loan application expire each time due to Eagle National Bank. I am attaching all documentation. I hope we can get this resolved as it has caused so much work on our end, along with our banking institution, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, who has been patient in working with us should be commended, not to mention the title company. We have never dealt with a company like Eagle National Bank that gives so much run around and lack of assistance. I hope you can help us. 

Thank you, XXXX XXXX",,Consent provided,Web,2016-06-20,Closed with explanation,Yes,No,CR1975897,3962
2016-06-20,Credit card,,Other,,"How can a credit card provider refuse to accept payment online when the account is valid and has always had funds? 
Eagle National Bank 's credit card system will not process my payment to balance because I "" exceeded the amount of credit card payments [ I ] can make in a calendar month. '' I tried to pay my balance due of XXXX today due XXXX XXXX. I try to be responsible and pay when I receive funds either through reimbursement or when I receive my paycheck. The XXXX accounts I use for payment are long standing accounts that I use every month for payments. I had to call and electronically process a check drawn on the same account that I tried to use online. Between waiting period ( over 16 minutes ) and processing time, it took almost 25 minutes to pay my bill.",,Consent provided,Web,2016-06-20,Closed with explanation,Yes,No,CR1975423,1427
2016-06-20,Credit card,,Advertising and marketing,,"On XXXX XXXX 2016, I applied for a Eagle National Bank XXXX Credit Card ( "" EN '' ). EN targeted me with personalized mailings and online advertisers promising {$100.00} statement credit, XXXX miles, and a companion airfare. However, EN approved the account at their Platinum Plus level, based on their assigned credit limit. This card came with XXXX points and no additional benefits. Buried approximately XXXX paragraphs into the Terms and Conditions, EN explains the difference between the XXXX XXXX and XXXX. This is anything but clear. EN does not indicate in XXXX location the overall benefits of the XXXX product, unlike the XXXX XXXX edition. EN is purposefully deceiving customers and their actions are within the jurisdiction of CFBP and FTC for enforcement under authorizing legislation. 

EN has gone above and beyond to sell me a product, however, they gave me something entirely different without any notice. It 's also of notice that my credit score, income, existing trade lines, and other EN products are consistent with EN approval criteria for their Signature products. This is an obvious "" bait and switch ''. 
",,Consent provided,Web,2016-06-20,Closed with explanation,Yes,Yes,CR1975203,4229
2016-06-20,Bank account or service,Checking account,Using a debit or ATM card,,"An ATM claim was filed with my bank, Eagle National Bank, for a charge in the amount of XXXX which occurred on or around XXXX XXXX from XXXX. I received an information packet from Eagle National Bank today, XXXX XXXX, with information denying my claim, there is documents from XXXX showing information on the charge but did not prove the product/item was delivered. The product/item in question is XXXX tickets to XXXX on XXXX XXXX, I live in XXXX and have not been to XXXX XXXX on or around this date. In fact, my last visit to XXXX was XX/XX/2015. I explained to Eagle National Bank rep taking claim that the product/item was not received and did not make the purchase, it appears someone used my card number to purchase tickets while person was in XXXX, the purchase was made over internet. I suspect their website might have been hacked and or person had my card number written down. The card was not lost or stolen and explained that this is the only unrecognized charge Ive seen so far, did not feel need to order a new card. It appears tickets were not used upon learning ID had to be shown to get into event, Ive checked into this and learned that they were not in fact used. This information was provided by rep ( s ) at XXXX as well as XXXX XXXX, the party owned by XXXX. Ive attempted to resolve matter directly, however, XXXX has a strict no refund policy and will not issue refunds, even if fraud occurred. They will even deny a charge is fraud so as to avoid having to issue refunds. Their rep ( s ) have referred me back to Eagle National Bank. They have a complaint with the XXXX as well as XXXX, both unresolved. I called Eagle National Bank today to further dispute charge, however, I was advised it is considered closed as merchant provided proof tickets were received, this proof is merely a confirmation showing tickets were sent to my email. However, no such email was received as I have a block preventing any email from unrecognized senders. Also, as mentioned previously, I was not in XXXX on or around time of purchase and no way I would purchase tickets to an event I could not go to. In closing, please advise Eagle National Bank I need this item further disputed. Ive attached an email from XXXX with XXXX denying refund.",,Consent provided,Web,2016-06-20,Closed with explanation,Yes,Yes,CR1975841,2004
2016-06-20,Credit card,,Closing/Cancelling account,,"Approximately XXXX three months ago I was informed that my credit limit had been reduced due to inactivity. I DID NOT receive any notification prior to, that such action would be taken on my account. When I inquired about this change I was notified that I had not used my card in over a year. 

I am an XXXX military member in the United States XXXX and there are times that we are XXXX, transfer and/or have obligations that do not afford us the opportunity to use retail cards as normal. That was the case for me in which I was XXXX in XXXX 2015 for seven months, returned and immediately transferred. It was during that time that the year passed. 

As I inquired as to how to restore my credit to the previous limit I was told that I would have to request a credit limit increase. Please let me inform you that the reduction of my credit limit affected my credit score and to have to go back again and request a credit limit increase for what I consider no fault of my own would again affect my credit score. 

Approximately one month ago I did attempt to use my card online to purchase some storage boxes, the card was denied. I attempted a few days later in the store, feeling that the card was just not working online again the card was declined. The manager of the store was kind enough to still allow me the benefit of the 5 % after he could see that I had a legitimate card. 

And now I received notification that my account will be closed, "" It 's our policy to close accounts that haven been used in 18 months. '' I believe that I have done all that I should as a consumer to have a positive account with your company but there is little to no support for personal situations that apparently do not fall within your companies approved standards. 

I am trying very hard to improve my credit score so take any action against my credit seriously. 

I feel that more communication from your company to consumers would allow you to better gauge the situation of your consumers instead of making decisions in a vacuum. I would like my credit limit restored, I do not care to have it increased just back to what it previously was ( {$300.00} ) and a new card issued. Now that I am settled from my transfer and will be stable for the next few years the use of the Target card will easily be accomplished.",Servicemember,Consent provided,Web,2016-06-20,Closed with monetary relief,Yes,No,CR1977144,2031
2016-06-20,Credit card,,Identity theft / Fraud / Embezzlement,,"Hello, This complaint is on Eagle National Bank. Recently I noticed a charge on my credit card that I never authorized. The charge was for {$4900.00} from a company called In Compliance Services on the date of XXXX/XXXX/XXXX. I always pay my balance and usually review our books. Upon a closer look we noticed this charge and we have never given out our credit card number to a company like this. The first thing we did was try to find out why the charge was made, so we did some research on the company to find out who they were. We called the number we got off the internet and asked who they were and if they could give us some info on why they billed us. They told us that they did compliance services and they have no records of charging our card, but they could n't give our money back. The only thing I wanted to know was why I was charged and they gave me a very vague ambiguous answer. I was upset because not only did they take my money, they would n't tell me why. The next thing I did was call my credit card company. Eagle National Bank. This first phone call was made on XXXX/XXXX/XXXX. Eagle National Bank started a fraud investigation, and said that they would do the research and find out what was going on, and also that they would credit me back the money that was taken if they find out the charge was not good. They said the investigation would take XXXX10 business days. So I called them back on XXXX/XXXX/XXXX and at that point they asked me to send a affidavit claiming fraud. So I sent them a letter stating that I had no business with this company. I finally heard back from them about a month later and they said that since the charge happened 2 years ago that I was responsible. I asked them about their XXXX $ fraud liability, and they said that it did n't apply here. They made it seem like they did n't even do an investigation on this company. They had me send them an affidavit and they did n't even lift one finger to try to figure out why these people charged me! I did my own research and I found out that the fair credit and billing act said that I was protected from fraudulent charges and that if I was billed that the merchant should have to provide documents saying what they charged me for, an invoice, something. Anything! So I wrote Eagle National Bank another letter that included these federal laws that I looked into. Again I was denied. I also asked them to resend the information for the denials so that I could attach it to this complaint. They said they would, but they never sent anything. So I feel like I was victimized by someone who got my credit card information and that the bank unfairly denied my claim without even looking into it. I was just given the run around, and I was n't protected by my bank against this fraud. My husband has served in the XXXX and I just feel like we were left out to dry by Eagle National Bank.",Servicemember,Consent provided,Web,2016-06-20,Closed with monetary relief,Yes,No,CR1975869,1820
2016-06-20,Credit card,,Other,,,,Consent not provided,Web,2016-06-21,Closed with explanation,Yes,No,CR1976023,495
2016-06-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-06-20,Closed with monetary relief,Yes,No,CR1975776,13690
2016-06-20,Credit card,,Balance transfer,,,,Consent not provided,Web,2016-06-20,Closed with explanation,Yes,No,CR1976001,3954
2016-06-19,Bank account or service,Checking account,Deposits and withdrawals,,"During the last XXXX months of XXXX, I suffered a hideous property siege assault at my then XXXX year residence on XXXX ; I 'd been paying rent by postal money order to XXXX. Despite the rent payments for the condo at the BOFA "" mortgaged '' property : I was locked out and about {$100000.00} worth of my professional/personal property was stolen. I finally rented a new home during XXXX XXXX after recovering my stolen XXXX property : I started paying rent checks to XXXX ', {$1100.00} per month from my BOFA checking account ; each month BOFA showed the amount deducted from my balance on my bank statement. But after paying rent -- then increased to {$1300.00} per month -- until XXXX XXXX : I ordered bank copies of my XXXX rent checks. BOFA NEVER PAID THE MONEY TO ANY ENTITY/ PLACE nor PERSON : BOFA HAD SIMPLY BEEN DEDUCTING THE RENT AMOUNT MY BOFA CHECKING ACCOUNT BALANCE STATEMENT ONLY -- WHAT I WAS SHOWN -- BUT NEVER PAID THE MONEY TO ANYONE. The money added up in my BOFA checking account : BOFA/ML employees kept attacking me at my rental home [ and no matter what rental home I relocated to after yet another assault ]. BOFA sent a letter to say BOFA stole the rent money. But it 's still in my BOFA checking account! BOFA just does not include the amount on my monthly bank statements despite the complaint I filed to the IRS/OCC/FBI/USDOJ, XXXX XXXX XXXX XXXX XXXX CA XXXX. BOFA falsifies my bank statement shown to me every month : during XXXX XXXX, I complained about a check being stolen, {$1000.00}. I filed an OCC complaint : the check I tried to pay to XXXX XXXX XXXX XXXX [ for website development ] was returned to BOFA by XXXX [ spelling? ] Bank, XXXX NOT PAID. The back of the check looked like a roadmap : someone had tried to deposit it at XXXX different banks until it was finally returned to BOFA not payable. BOFA deducted the {$1000.00} from my checking account and with full knowledge I did not get any benefit nor service for which I -- in good faith : not fraudulently -- wrote the check. BOFA responded by saying BOFA stole the money : that {$1000.00} is still in my BOFA checking but BOFA does not include that {$1000.00} in my monthly banking statement balance and even after the OCC said refund/return it to my checking account balance. Rent refund : XXXX XXXX XXXX rent refund, {$1700.00} ' has not been posted as a credit to my BOFA checking account statement balance but the money paid -- was refunded to me -- into my BOFA checking account. My actual BOFA checking account balance -- not what BOFA shows on my monthly bank statement -- is almost exactly {$61.00}, XXXX ; IT IS NOT THE SAME MONEY I 've DEPOSITED/OWN IN MY XXXX ACCOUNT ( S ) BALANCE. My total deposits between BOFA/ML is almost exactly {$120.00}, XXXX XXXX thought they could steal my XXXX balance of {$64000.00} by saying they closed my XXXX accounts -- prematurely withdrew my SEP/IRA : criminally deducted {$2800.00} as federal/state tax plus an account fee -- by not registering the mailing of fake checks to my XXXX XXXX XXXX La XXXX XXXX XXXX after finding out I was not being able to forward my mail from that address to my new XXXX XXXX XXXX XXXX XXXX. BOFA thought BOFA could steal {$61.00}, XXXX from my BOFA checking by saying it was my ML money transferred over by check but then ML would be able to steal {$64.00}, XXXX because the checks were not actually valid checks. Despite ML telling BOFA to show my accurate BOFA checking account balance of {$61.00}, XXXX -- and despite all the effort by both BOFA/ML to cause the balances of my accounts at both ML/BOFA to look equal to the other -- BOFA wo n't show my accurate balance. The {$5900.00} BOFA says BOFA criminally deducted XXXX/XXXX/XXXX was to cause the balances at ML/BOFA to look almost exactly the same on my falsified [ no transactions posted ] BOFA bank statement each month to attack me.",,Consent provided,Web,2016-06-19,Closed with explanation,Yes,Yes,CR1974932,152
2016-06-19,Credit card,,Late fee,,"Eagle National Bank canceled my recurring payment without authorization, and charged me a late fee.",,Consent provided,Web,2016-06-19,Closed with explanation,Yes,Yes,CR1975103,4823
2016-06-19,Credit card,,Transaction issue,,"I have over XXXX financial entries on my credit report with no late or missed payments with any lenders or CC 's except for Eagle National Bank ( EN ), not one for 7 years! EN has a practice of rejecting auto pays even though on their web site it shows that the payments have been made- they really have not. I finally took a snap shot of it as it shows payments being made through bill pay ( ebill ) as if the amount was paid. This has been a history with them for years dating back to 2008, this is the only negative report I have as far back as my report goes with no other negative entries except from them. In fact I had my auto-pay set up via a supervisor on the phone and it was suppose to be set up to make the minimum payment but he set it up {$5.00} short and I never got noticed until four payments had been posted late because they were each short XXXX dollars. Each time I have an issue with them they promise to resolve it but never do, they have told me they would reverse late payments but then when I call to check on them they always say that it wo n't show up until the next month, and then they do not reverse the charge and the minimum amount is short all over again because when you do it over the phone they have to do a set amount like {$75.00} each month for one year. So each year you have to call to set up the payments all over again. If you ca n't trust the institution to figure out how much the minimum payment required is, who can you trust? I certainly would believe they know what they are doing, the average person would I am sure. The on line system shows my clear attempts to pay on my card for the past three years but not one entry shows it as being rejected leaving the unsuspecting customer in the negative! I finally went into a branch out of frustration and the manager at the bank first advised me that the EN APP will not show the ebill payments so it would be impossible to know you are late or the payment did n't go in, ( what good is it ) secondly, when I showed the manager how it looks like the payments were made, she was surprised it showed up the way it did. Clearly even she was confused at the way it displays-After several phone calls to EN Corporate, she came back and told be to click here, click there and then it took me to a page that instructed me to down load a form and sign it and take it back to a branch or mail it in for adding my bank to the ebill feature. So- not only did I not know about this form, in the three years of dealing with this, not one person told me about how to get to the page to get the form, or that I even needed to sign a form. I set up and pay using "" auto pay '' on every single account I have and have never had to do this or had these problems. I thought merchants want to make it easy to pay but I am finding out that it is more profitable to have customers pay late or miss payments all together. I did not even know about the negative reports made to the credit bureaus until this latest incident because I was told the late payments would be reversed so why would they report it if it was going to be reversed? Then to top it off, the credit bureau will only let you dispute one item at a time but I want to dispute every negative entry made by EN, I do not care how far back they go. I even have a savings account there so why would I want to pay late when I could just transfer it from one account to the next, and that is what I have been doing. I have had up to {$20000.00} in my account there but I keep the minimal there since I have had all these problems, why would I want to keep my money there when they treat their customers the way they do. I have had so many people say they had similar issues. I have over XXXX friends on my facebook and if I do not get this resolved, every last one of them is going to see the screen shot of how sneaky EN is, no one likes sneaky, XXXX next ...",,Consent provided,Web,2016-06-19,Closed with explanation,Yes,Yes,CR1975018,1207
2016-06-19,Bank account or service,Checking account,Deposits and withdrawals,,"Never take the credit card offered by Eagle National Bank. the problem is their customer service. They do not listen, well they listen and pretend they will follow your directives. I paid OFF my credit card, overpaid it by {$98.00} or so ) from my Che kings count ). I asked them to put it back into my Che king account. No, they send a Check. Now, another month or so goes by, I have a XXXX BALANCE ON CREDIT CARd. THEy TAKE {$200.00} from my ChecKing account to the credit card ( duh ) and give me a CREDIT BALANCE of {$200.00}. I have sent XXXX messages, XXXX Friday morning, XXXX today, Saturday ... l No reply from EN, but my $ is gone to the card, not in my Che King account. I TOLD THEM TO CLOSE THAT XXXX CREDIT CARD ACCOUNT when I paid it off. now I will be looking for a new bank. I 've been with EN now for about XXXX years or more. they will not accept any responsibility for their credit card, they just TALK YOU INTO GETTING IT.",,Consent provided,Web,2016-06-19,Closed with non-monetary relief,Yes,No,CR1974827,8548
2016-06-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-19,Closed with non-monetary relief,Yes,No,CR1975145,3767
2016-06-18,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank refuse to offer me the {$1000.00} sign on promotion of my business checking account. 

On XXXX XXXX, XXXX, I opened my business checking account XXXX in their branch located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The business banker, XXXX XXXX, applied the {$1000.00} promotion ( open business checking plus business credit card ) on my account and applied business credit card for me. XXXX XXXX told me that opening the business checking account and the business credit card account will qualify me for the {$1000.00} promotion. Usually the promotion will show up in my bank account about 5 months. 

I have not got my {$1000.00} promotion till now. Eagle National Bank told me that my promotion was denied because I did not complete the spending requirement of my business credit card. The banker, XXXX XXXX, never told me this requirement. I sent her several emails, ask for explanation. She never reply my email. I went to her branch several times, she avoided to meet me. I got her cell phone number in her branch. I called her several times and left her several voice message. She never get back to me. 

I called the Eagle National Bank Customer Service center for help on XXXX XXXX, XXXX. One supervisor told me the only thing they can do is forward this to the local branch manager. I should get a telephone call from the local branch manager in 2 days for a solution. 2 days later, no one called me. I called the Eagle National Bank Customer Service center for explanation. They told me the local branch manager need 2 more days to handle this. I should get a telephone call in the next 2 days. By till now, I did not get any telephone call yet. 

I am a loyal customer of Eagle National Bank for more than 10 years now. I have several personal accounts and XXXX brokerage accounts with them for many years. I keep more than {$15000.00} in my business checking account and did many transactions. Now they play games with me, refuse to give me the {$1000.00} promotion and I can not get the explanation from the local banker. 

I am very angry and want to file a complaint. 

I want Eagle National Bank offer me the {$1000.00} sign on bonus for my business checking account.",,Consent provided,Web,2016-06-18,Closed with explanation,Yes,Yes,CR1974766,10479
2016-06-18,Bank account or service,Checking account,Problems caused by my funds being low,,"I had several hundred dollars in my account and made routine daily transactions on a debit card, as they were processing a check was cashed. THe bank processed the check and then charged me {$280.00} in overdraft fees for separate transactions, they processed the check first to put me over my account and then processed the small purchases. The {$280.00} in fees was for minor items such as a a soda.",,Consent provided,Web,2016-06-20,Closed with monetary relief,Yes,No,CR1974364,2891
2016-06-18,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX XXXX 2016 my ATM/Debit card was Lost or Stolen. I called Eagle National Bank to report the card missing. The agent said the card would be blocked and a new card sent 7-10 days. I asked if I could obtain a temporary card to use from the local branch on XXXX, AZ XXXX. She said that temp cards were available. The next day on XXXX XXXX I visited the local branch to take out some cash and get a temp card. The agent that was assisting me said my missing card was not previously blocked. We blocked the card and I obtained a temp card. The next day my bank statement showed a {$5.00} fee billed to my account. It 's listed as "" Replacement ATM or Debit Card Fee {$5.00} ''. I was never told during the times I spoke to Eagle National Bank agents that I would have a fee. Charging a fee discourages me in the future from blocking a stolen card to try an avoid this fee. This is not fair and I believe violates my rights as a consumer to protect my funds, which I had just gotten paid. So the potential loss to me was great. For Eagle National Bank it was an opportunity to make a profit. I did locate on their website this statement : Replacement ATM or Debit Card Fee {$5.00} per card Fee for each requested replacement of an ATM or debit card, including the replacement of debit sticker ( tag ) or other debit access device. The replacement fee does not apply when we replace a card upon its expiration. Eagle National Bank Advantage ( R ) with Tiered Interest Checking Accounts, Eagle National Bank Interest Checking ( R ) Accounts, Platinum Privileges ( R ) and Preferred Rewards customers qualify for a waiver of this fee. 
This nuisance fee takes advantage of people, like myself to protect my money from fraudsters and thieves. Please investigate this issue. Just because they have it listed in the fine print does n't mean it 's valid. Thank you.",,Consent provided,Web,2016-06-18,Closed with monetary relief,Yes,No,CR1974598,5277
2016-06-18,Credit card,,Transaction issue,,"Eagle National Bank misled us into believing we were paying off our credit-card balance, when we set up our recurring payments through direct-bank payments. Their recurring-payment screen that sets up these payments has XXXX options : "" minimum amount due, '' "" amount due as shown on the e-Bill, '' and "" statement balance as shown on the e-Bill. '' We selected "" amount due '' thinking this would pay the amount that we owe. Instead, they informed us that "" amount due '' means "" minimum amount due '' with the addition of past charges. This is not stated in their recurring payment screen nor in the e-Bill. The e-Bill merely states the accrued charges ( I tried to attach it and the recurring payment screen to this comment box, but they have too many special characters ). Eagle National Bank arbitrarily chose a definition that would allow them to deceptively charge interest. After setting up recurring payments, they only deducted the minimum amount due. Through this deception, Eagle National Bank charged us {$100.00} in interest ( {$38.00} for XXXX XXXX to XXXX XXXX, 2016 and {$61.00} for XXXX XXXX to XXXX XXXX, 2016 ).",,Consent provided,Web,2016-06-18,Closed with monetary relief,Yes,No,CR1974414,2533
2016-06-18,Credit card,,Transaction issue,,"XXXX/XXXX/2016 On XXXX/XXXX/2016 XXXX XXXX returned dispute form to Eagle National Bank disputing {$150.00}. XXXX XXXX 's Eagle National Bank mastercard XXXX XXXX XXXX XXXX failed to dispute {$150.00} charge from XXXX XXXX/XXXX/2016 which was returned to XXXX via XXXX XXXX because punch did not work. Resolution is immediate permanent credit of {$150.00} from Eagle National Bank. XXXX XXXX XXXX/XXXX/2016 Collapse transaction for Transaction date : XXXX XXXX XXXX MA Transaction date : XXXX/XXXX/2016 Card type : Mastercard Transaction type : Purchases Merchant description : STATIONARY, OFFICE SUPPLIES, PRINTING AND WRI Merchant information : XXXX, MA Reference number : XXXX Dispute this transaction Type Purchases {$150.00} XXXX XXXX 's Eagle National Bank mastercard XXXX XXXX XXXX XXXX failed to dispute {$150.00} charge from XXXX XXXX/XXXX/2016 which was returned to XXXX via XXXX XXXX because punch did not work. Resolution is immediate permanent credit of {$150.00} from Eagle National Bank. XXXX XXXX",,Consent provided,Web,2016-06-18,Closed with monetary relief,Yes,Yes,CR1974830,1946
2016-06-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-18,Closed with explanation,Yes,No,CR1974634,3117
2016-06-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-06-20,Closed with non-monetary relief,Yes,No,CR1974323,2927
2016-06-17,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank has close my account that I had open since XX/XX/XXXX saying thatMy report from XXXX reads as such : XXXX Il XXXX XXXX XX/XX/XXXX $ -no amount showing or what your report states Transacting or attempting to transact, with a check in a fraudulent Manner, including but not limited to the passing or depositing of Forged, altered, closed account, stolen, counterfeit check, or Non-negotiable item ; the kiting of checks, drawing against insufficient Or uncollected funds, empty envelope ATM deposits, or keying errors.",,Consent provided,Web,2016-06-17,Closed with explanation,Yes,Yes,CR1974331,12729
2016-06-17,Bank account or service,Checking account,Using a debit or ATM card,,"I 've a Eagle National Bank checking and saving accounts. There were XXXX unauthorized transactions, totaling {$2000.00} I called BofA customer service to report the charges. Instead of blocking my card to prevent further use, it was left open. I 'd to log in online and transfer my remaining balance into my other account. 

A claim was filled ( Claim number XXXX ), I was told I would receive provisional credit, but did n't. Eagle National Bank stated amongst many reasons that 1 ) I logged into my account online, 2 ) I was sent a fraud text alert on my number on file, 3 ) that there was a posted/authorized transaction made after the charges in question. I called for the Claim to be re-reviewed, but Eagle National Bank is n't interested in investigating the Unauthorized charges, because they do n't want to give provisional credit, pending the outcome of the investigation. XXXX XXXX called me from the Consumer Response Office, but to my surprise, the claim was already denied and closed, and an investigator claiming to be the one handling the case did n't even know that. That made me wonder if they were actually working on it or just counting days and have a ready made answer for every customer they want to deny. 

Let me state that I promptly called Eagle National Bank the moment I found out my card was missing ; the banker claimed to have blocked the card, and the claims analysts I spoke to, said it was still open and active. I logged online and transferred my remaining balance to my savings account, and that was done after I found out my card was missing and that 's what BofA is regarding as a valid transaction. The number on file ending in XXXX is a home phone that is not text-enabled, so I do n't know who could have responded to a text that can not be received in the first place. Looking at the fraudulent charges online, I called the Merchants and XXXX which has XXXX of the XXXX charges said Eagle National Bank never contacted them regarding the charges, that they are a convinient store and they do n't check ID when using credit cards for most transactions, thus fraud could have occurred. 

So the question is, if Eagle National Bank never contacted the merchants, never did any investigation, how was my claim denied? On an information without hearing from the Merchants? 

It is evident that Eagle National Bank rushed to conclude the investigation, so as to not be liable to issuing me provisional credit, as stipulated by the cardholder 's agreement, pending the outcome of the investigation.",,Consent provided,Web,2016-06-17,Closed with explanation,Yes,No,CR1973636,710
2016-06-17,Bank account or service,Checking account,Deposits and withdrawals,,"I was told a deposit I made would be available on XXXX XXXX, 2016 and as of XXXX XXXX, 2016 it has still not been released, despite me providing proof the check had cleared. I am being charged fees while items I 've try to pay against the deposit have been returned at great embarasement and expense to my family",,Consent provided,Web,2016-06-17,Closed with monetary relief,Yes,No,CR1973180,2419
2016-06-17,Credit card,,Payoff process,,"I tried to payoff my balance on the credit card. I am experiencing financial difficulty and therefore wanted them to waive off the late fee to make the full payment on the credit card, but they would not do that and they mentioned that they would not want me to close the card. I am really disappointed that for a very nominal amount of money I have borrowed they interests rate have 19.2 % XXXX and the credit limit was never increased and they interest I have paid thus far is more than the amount I owe. And on top of this they really do n't give any other options other than to make sure that they rip the customers off. They are definitely counting on people like myself who have to borrow money to make ends meet but is unable to make the payment due to various reasons.",,Consent provided,Web,2016-06-17,Closed with explanation,Yes,No,CR1973506,649
2016-06-17,Bank account or service,Checking account,Problems caused by my funds being low,,"I am currently in bankruptcy proceedings case no XXXX and unbelievably Eagle National Bank has assessed me almost {$900.00} in fees and overdraft fees since late XXXX early XXXX 2016. Some of these fees are {$170.00} each while the smallest ones are {$35.00}. I have told Eagle National Bank repeatedly and countless times that I am in bankruptcy and have told them to stop automatic payment withdrawals to avoid getting hit even more excessive OD fees but they just do n't care and do n't listen, and it seems that they are deliberately not blocking ACH auto-payments and checks in order to further compound and add to my financial devastation and the hole that I am in. Currently my account is approximately - {$1600.00} of which nearly {$1000.00} is in these horrific fees over the past 2 months.I received some money and want to deposit it in the Eagle National Bank so as to make it positive again, and continue on with my normal banking activities, but a substantial amount of this money will be sucked into these cursed fees, and I will be left with a fraction. I am faced with the prospect of either closing my account and/or taking Eagle National Bank to small claims court to resolve this XXXX of financial justice. Please intervene and investigate. Kind regards, XXXX",,Consent provided,Web,2016-06-17,Closed with non-monetary relief,Yes,Yes,CR1973783,565
2016-06-17,Credit card,,Late fee,,Company is persisting in charging late fees on payments even though the payment was delivered and recevied on-time. They have done this twice. The first time they reversed the late fee. The second time they refused. My payment was delivered the day it was due but it took them 5 days to process and post the transaction.,,Consent provided,Web,2016-06-20,Closed with monetary relief,Yes,No,CR1973528,1126
2016-06-17,Credit card,,Billing disputes,,"Target card services stopped sending me statements for my Target credit card account after XXXX, XXXX. I used the card after that but never received a bill and did not know I owed them money. I never received any statements or past due notices from them. I did receive a phone call from a Target card services employee on XXXX XXXX, XXXX, stating my account was overdue and was being sent to collections. I told the employee that I was not aware that I owed Target any money. She told me I would have to request an affidavit to dispute the charges in writing. I sent a letter the next day requesting the affidavit. Before I received the affidavit form from Target card services, I received a phone call from a collections agency. I wrote to Target again asking for copies of the receipts and the statements to prove the charges were indeed mine. I finally received the affidavit form in XXXX, XXXX. In XXXX, XXXX, I received a letter stating they had sent me copies of the receipts along with the affidavit form, but the receipts were not included with the affidavit form. They did include printouts of online statements from XXXX, XXXX, and XXXX and XXXX, XXXX, which did not have my name on them or any indication that they were mailed to me. They did not include any statements after XXXX, XXXX. I then received a letter XXXX XXXX, XXXX, stating that the dispute was closed and that I owed Target {$580.00}, including interest and fees, and this would be reflected on my next statement. This letter included receipts from XXXX and XXXX, XXXX, and XXXX, XXXX. I called the representative who sent the letter the next day. I told her I would pay the charges minus the interest and fees as I had never received statements with these charges. She stated she could not remove the fees as the account had been closed. I asked to speak to someone who could help me and she stated there was "" no one there who could help me '' as "" no supervisor would approve changing the charges ''.",,Consent provided,Web,2016-06-17,Closed with monetary relief,Yes,Yes,CR1973374,3973
2016-06-17,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-06-17,Closed with explanation,Yes,Yes,CR1972835,2531
2016-06-17,Credit card,,Other,,,,Consent not provided,Web,2016-06-17,Closed with explanation,Yes,No,CR1974568,18
2016-06-17,Credit card,,Other,,,,Consent not provided,Web,2016-06-17,Closed with explanation,Yes,No,CR1974003,4504
2016-06-17,Bank account or service,Checking account,Deposits and withdrawals,,,,Other,Web,2016-06-17,Closed with explanation,Yes,Yes,CR1974579,1106
2016-06-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-06-20,Closed with explanation,Yes,No,CR1974051,5826
2016-06-17,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-06-17,Closed with explanation,Yes,No,CR1971809,11004
2016-06-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-21,Closed with non-monetary relief,Yes,No,CR1974356,574
2016-06-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I get a credit card secure from Eagle National Bank 8 years a go since that time Eagle National Bank denie go give me back the {$500.00}. Of the secure deposit. 
I contacted Eagle National Bank and for 6 months they still give me the same answer "" Eagle National Bank give me a credit card of {$700.00} credit line '' that totally false. I never recive that amount of credit line. 
After one year past i finish the payments of the credit card secure and applied for the credit card and that credit was denied. 
I only need my money back.",,Consent provided,Web,2016-06-20,Closed with explanation,Yes,No,CR1971991,344
2016-06-16,Bank account or service,Checking account,Using a debit or ATM card,,"I hired someone in IOWA to do work for our company. They never delivered anything. My company requested a refund. Initially he refused to issue a refund. Then agreed to a partial refund. He never made any effort to give any money back. We filed a claim with paypal who denied our disputes due to him lying and giving the false tracking number # XXXX. We then filed a chargeback through our Bank - Eagle National Bank. The merchant has confirmed IN WRITING that they owe a refund and that they are NOT WITHOLDING our chargeback. They have agreed to refund us and say that XXXX has already WITHDRAWN THE FULL AMOUNT OF {$4600.00} from his account! All that is left is for EN to credit my account. 

For almost 60 days now, I have made close to XXXX phone calls, spending hours on the phone with EN who has also lied and has given us the runaround with false escalations, etc. 

First they were waiting on response from paypal ( not true ), then they claimed evidence was given ( not true ), they never sent me any paperwork, never sent me any emails, and never let me speak to so-called "" investigators '' who make the actual decision. 

I have been mysteriously disconnected after waiting on hold in excess of 30 minutes multiple times. All of this, and they are supposed to be ON MY SIDE of the dispute. 

All evidence points back to EN witholding information, dragging their feet and not showing any interest in resolving this issue. One rep told me "" I do n't know why they have n't even looked at your request yet ''.",,Consent provided,Web,2016-06-16,Closed with monetary relief,Yes,No,CR1972413,2934
2016-06-16,Credit card,,Unsolicited issuance of credit card,,"two weeks ago, I applied for an XXXX card -which comes with several perks I 'm interested in- while I was making a purchase of a flight using XXXX website XXXX I filled out the application and in a few minutes I got the positive response saying I would get their card, but when I received the card a few days later, it was n't their Visa Signature, but a Platinum Plus card which does n't carry the perks I wanted. XXXX cards have an annual fee XXXX XXXX XXXX is {$75.00} and the Platinum Plus {$50.00}. I did n't mind paying the {$75.00} for the card I wanted. There is not a single sign during the application warning us, the applicants, that if we did n't qualify for the XXXX would be issued. These are the XXXX lines on the bottom part of the first screen of the invitation which are not a warning : The benefits above apply to XXXX XXXX accounts only and different benefits apply to XXXX accounts. Card type is determined by creditworthiness. So, I immediately called Eagle National Bank which is the credit card issuing bank. I told them, I applied for the XXXX XXXX not for the XXXX absence of perks. The bank representative asked me if I filled out the application correctly due to the fact that they had had similar situation with other customers. She said that if I wanted I should apply again because some customers had done that and they get the XXXX XXXX in the second try. So, while I was on the phone I applied again and my application was declined. I told the representative the results and I also told her I wanted to close the XXXX card. I also told her they had to cancel the XXXX fee they already had charged to that card. I asked her how all this situation would affect my credit record and she said that it would n't for they will report how things happened. She said it would n't hut for me to write to you here to let you know of the situation to leave a record of it.",,Consent provided,Web,2016-06-16,Closed with explanation,Yes,No,CR1973160,1822
2016-06-16,Credit card,,Billing statement,,"I am getting double charged for the amounts of the purchases I make. On XXXX XXXX I was charged XXXX then the following few days I was charged {$17.00} again. Then I made nother purchase in the amount of XXXX and was charged the following day {$27.00} on my account. This resulted in my account being placed over the limit and me not being able to shop online. This is a terrible system. I called into Nordstrom to let them know. Everyone besides XXXX was non chalant about it and said its our system we cant do nothing about it. Thats not fair to people who want to shop and for use their credit card. Its just not right. It 's greedy, and unethical",,Consent provided,Web,2016-06-16,Closed with non-monetary relief,Yes,No,CR1971841,410
2016-06-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-06-16,Closed with explanation,Yes,Yes,CR1971961,1579
2016-06-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-16,Closed with explanation,Yes,No,CR1973020,7862
2016-06-16,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-06-16,Closed with explanation,Yes,No,CR1972021,1170
2016-06-15,Bank account or service,Checking account,Using a debit or ATM card,,"Hello Dear, My name is XXXX, XXXX from XXXX, XXXX. 
last week, on XXXX XXXX & XXXX someone use my debit card multiple times in XXXX, XXXX. I was still in possession of my card at that moment. they withdraw {$1100.00} in cash at different ATMs and made purchases for {$1200.00} at XXXX in the same city. I received some messages from Eagle National Bank telling to verify some recent transactions. I reported those transactions as fraudulent. i filled a claim for this fraud and I was waiting since yesterday. 
They denied my claim and told me there is no fraudulent pattern. 
When I asked them what that mean they told me I have been to the state of XXXX couple of time I used sometimes none Eagle National Bank ATM 's I withdraw often a large amount of money. 
i asked the lady can a person be present at XXXX location a the same time? because i was in XXXX, XXXX at the moment. 
I called the police yesterday filed a police report so the bank will do further investigation. I 'm an international student the money is for my tuition I really need it. 
Best,",,Consent provided,Web,2016-06-15,Closed with monetary relief,Yes,No,CR1969806,1530
2016-06-15,Bank account or service,Checking account,"Account opening, closing, or management",,"I had a checking and savings account with EN for several years. They closed my savings as I made too many transfers. ( In CM agreement ). Then they began charging me a {$25.00} monthly fee. When I 've complained, many times, they have told me by letter and phone that it was changed as I no longer have a mortgage account. I never had a mortgage account to start with. I requested that the remove the {$25.00} fee from my account permanently. They issued some credits, but refused to remove permanently. I requested that they change my account to a different account without a fee. They refused. The last time, they said they would temporarily hold the fee for three months till I decide what to do. I was due to be charged XXXX 2016 again. On XXXX XXXX, 2016 I called to close the account to avoid the fee. I spoke to a very nice rep. named XXXX. She helped me with closing the account. During the conversation I told her I could not understand why my son had an account with no fee, and my daughter in law had an internet account with no fee, but after 15 years, I had to pay a fee. She was apologetic and said she wished I had mentioned that before she closed the account because she could have changed the account to a "" core account '' like my son has. All I had to do was direct deposit {$250.00} per month to avoid a fee. 
I had written through the CFPB before, and spoke and received letters from EN executive office and NO ONE offered me the core account. NO ONE! This would have been a very easy fix as I already had direct deposit anyway!!! I am so mad that all I received was explanations and copies of my CM agreement, but no one even in the executive office bothered to offer to change my account to the core account. NOW, I would like my account reopened and changed to the "" core account. '' I am happy to reset my direct deposit. The ONLY reason I am even willing to want an account with EN is because both of my sons and a friend also have EN accounts, and it 's how we transfer money to each other for bills, etc. 1. Please reopen the account as a "" core account. '' 2. I would like an apology from EVERYONE who had anything to do with my prior complaints who did n't even BOTHER to see if my account could be changed, when it could have. 3. XXXX, who I spoke with approx. XXXX. PT on XXXX/XXXX/2016, commended for great customer service and some knowledge about the accounts. Maybe she should be in the executive office! Please, email or USPS mail only.",,Consent provided,Web,2016-06-15,Closed,Yes,Yes,CR1969587,2382
2016-06-15,Bank account or service,Checking account,Problems caused by my funds being low,,"I have been a customer at Eagle National Bank for many years, since I was in high school, through college, now, and as I prepare to become a student again. I am constantly in a branch working with staff whose most common response is that they are unable to assist me due to restrictions placed upon them, or it has to be submitted for review. I 'm in the branch trying to find effective ways to use my account without constantly paying fees. Yet I encounter fees for going to the branch too much, for over drafting, for transferring funds if my account does overdraft. I 've overdrafted for less than XXXX dollars and am yet unable to bring my account current because the bank says they are unable to return {$70.00} in fees. In less than 6 months i have been charged more than {$600.00} in fees, almost equivalent to XXXX paycheck, this has a significant impact on my financial well being.",,Consent provided,Web,2016-06-15,Closed with explanation,Yes,No,CR1970520,4242
2016-06-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I received a mobile transfer from a XXXX XXXX account holder, on XXXX/XXXX/2016, for the amount of {$180.00}. I received a text from Eagle National Bank with a confirmation number and a message saying it would be credited to my account. It has not been credited to my account as of XXXX/XXXX/2016. I have called Eagle National Bank on XXXX/XXXX/2016 and XXXX/XXXX/2016, and visited in person on XXXX/XXXX/2016. I have spoken with a total of XXXX Eagle National Bankn representatives, going on a total of 5 hours talk time. Eagle National Bank keeps telling me that only XXXX can resolve the issue by submitting a claim, while XXXX keeps telling me that only Eagle National Bank can resolve this issue. I can not keep running back and forth between the XXXX banks as each tells me only the other can resolve my issue. Eagle National Bank has consistently refused to accept accountability or responsibility for what definitively appears to be an internal error. If both banks refuse to resolve this issue, Eagle National Bank has essentially stolen {$180.00} from me, and refuses to return it.",,Consent provided,Web,2016-06-15,Closed with explanation,Yes,No,CR1970141,1472
2016-06-15,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX XXXX, 2016, my sister XXXX XXXX passed away. She died without a will and, other than about {$1300.00} in a checking and savings account at Eagle National Bank, she had no assets. I paid for her funeral out of my own pocket. 

Following that, I submitted an Illinois Affidavit of Small Estate, an instrument designed and enacted by the State of Illinois to expedite payment of funeral expense in such cases. I filed this with the bank in XXXX and they ppromised to contact me no later than XXXX XXXX, 2016. They did not contact me. I contacted them about a month later and they sent me some additional paperwork. I had not heard back from them so today I called them. They stated that my affidavit of small estate was missing verbiage. They stated that they could not tell me what verbiage was missing and that I must contact an attorney. 

I am seeking the reimbursement of funeral expenses from XXXX EN account.",,Consent provided,Web,2016-06-15,Closed with explanation,Yes,No,CR1969939,5072
2016-06-15,Credit card,,APR or interest rate,,Eagle National Bank applies credit card payments to the lowest APR first even though there was a law passed in 2009 requiring payments be applied to the highest APR 's first,,Consent provided,Web,2016-06-15,Closed with explanation,Yes,No,CR1968318,11701
2016-06-15,Bank account or service,Savings account,"Account opening, closing, or management",,"Opened a savings account with Eagle National Bank on XXXX XXXX and have made XXXX transactions ( electronic funds transfer ) online to and from my checking account. Was informed by EN that it is their policy to only issue quarterly statements, regardless of the number and nature of transactions made in that month. 
Regulation E 1005.9 directly refutes that policy.",,Consent provided,Web,2016-06-15,Closed with explanation,Yes,No,CR1968689,7324
2016-06-15,Credit card,,Other fee,,,,Consent not provided,Web,2016-06-16,Closed with monetary relief,Yes,Yes,CR1969530,2943
2016-06-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-06-15,Closed with explanation,Yes,No,CR1970933,4267
2016-06-15,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-06-15,Closed,Yes,Yes,CR1967897,696
2016-06-15,Credit card,,APR or interest rate,,,Servicemember,Consent not provided,Web,2016-06-15,Closed with explanation,Yes,No,CR1969845,1178
2016-06-14,Bank account or service,Savings account,"Account opening, closing, or management",,"Case # XXXX EN still has not refunded my money. I spoke with them today and they promised the same thing as last time : "" We will be sending you a check ''. 

I have been hearing this same verbiage for XXXX months now and still have no check. Please help me.",,Consent provided,Web,2016-06-14,Closed with explanation,Yes,No,CR1968780,2171
2016-06-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"This is a follow-up to a prior CFPB complaint regarding an account closure at Eagle National Bank. Upon submitting my complaint, I received an e-mail from a bank representative named XXXX XXXX XXXX at the bank 's XXXX XXXX XXXX XXXX department. The email said to "" please contact me directly at the number listed below '' and specifically warned against contacting via e-mail. However, THERE IS NO PHONE NUMBER LISTED ON THE E-MAIL! ( I believe a cell number was included without an area code. ) I would have thought this a simple oversight if it were n't for XXXX reasons. First, the e-mail is clearly a standard-issue response that they send to most complainants. Second, when I called the Eagle National Bank general customer service desk ( it is impossible to reach anyone at XXXX Customer Care Resolution without their XXXX digit extension, which was also not provided ) to attempt to get a phone number to reach XXXX XXXX, they declined to provide XXXX for almost an hour and eventually provided me a number that does n't connect to anyone 's phone in the resolution department. ( This is not the first time that the bank has provided me an inactive phone number or a phone number that links to a voicemail box from which you will not receive any reply. )",,Consent provided,Web,2016-06-14,Closed with explanation,Yes,No,CR1968110,4757
2016-06-14,Credit card,,Delinquent account,,"I originally had a credit card with them and paying around {$230.00} a month. I had sent XXXX check XX/XX/2012 and was told that neither were received. When checking my bank statement to verify if that were the case I noticed they were deducting {$650.00} a month for a life insurance policy. I never agreed to nor signed any type of documents for a policy or authorizing {$650.00} to be drafted from my account. I requested proof of the authorization or even a signed document for this policy and they indicated they did not have to provide because there were Eagle National Bank. I then obtained an attorney to get this resolved. I refused to pay anything else to Eagle National Bank until they provided me evidence of the life insurance policy and authorizing payments to be drafted from my account. The total amount they drafted for that bogus policy was {$6500.00} however, I agreed to not sue for the balance if they would settled the credit card for {$1200.00} and release any and all claims or is successors against me. My attorney has been trying to get them to respond and to date they still have not.",,Consent provided,Web,2016-06-14,Closed with explanation,Yes,No,CR1968851,2488
2016-06-14,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-06-14,Closed with monetary relief,Yes,Yes,CR1966309,804
2016-06-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-14,Closed with explanation,Yes,Yes,CR1968596,13134
2016-06-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-14,Closed with explanation,Yes,No,CR1968628,4806
2016-06-14,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-06-14,Closed with explanation,Yes,No,CR1968000,2785
2016-06-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-14,Closed with explanation,Yes,No,CR1967413,1282
2016-06-13,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited {$3000.00} into my EN acct from my trust fund on XXXX/XXXX/16. EN placed the funds on hold until XXXX/XXXX/16. When my funds were not available to me by XXXX/XXXX/16 I called and was then informed that the hold on my funds had been extended to XXXX. I asked for a supervisor and was told that there was nothing he could do on his end that I had to wait until the following Monday and contact risk assessment. So today XXXX I have attempted several times to find a way to expedite the process of freeing up my funds ( which had been released by my trust acct on XXXX/XXXX/16 @ XXXX ) EN risk team member named XXXX said that they had tried to verify funds but my trust account did n't do third party verifications. ( Which is completely untrue ) XXXX then told me to obtain a proof of funds letter via mail, take it to a branch bank and the bank associates there would fax it to the risk assessment team and they would go from there. I asked him if contacting my trust bank and having them fax the documentation directly to the EN risk assessment team would be ok to which I was told no. XXXX told me that was the only way I would receive my funds before the end of the month and curtly hung up on me. I then contacted my trust/legacy bank and spoke with XXXX asking her if canceling the check was even a possibility to which she said no because the funds had long since been released. I explained what I had been told by the EN reps to which she said that she would call them from her end and conference me in. XXXX at EN risk management answered this time. Took down my information and when I told her that XXXX from my trust account was on the phone she abruptly said that she "" would not participate in a conference call so just get the proof you were told to get. '' ( Addressing me in a very rude and dismissive manner ) XXXX ( ignoring her rudeness ) said well if I give you our customer service number will you attempt to verify the funds that way? XXXX said she would take down the number and would call to confirm the funds. Then XXXX asked her the timeframe in which she would be calling to verify the funds and XXXX said that she would neither give a timeframe or discuss the subject matter any longer and hung up on us. So here I am with a EN account balance of $ XXXX accruing overdraft fees of {$35.00} for every 5 days my account is negative. Even though the {$3000.00} that I deposited cleared long before my account went into the red. As of XXXX XXXX my funds have not been released nor has EN attempted to contact the trust account.",,Consent provided,Web,2016-06-15,Closed with explanation,Yes,No,CR1965818,3332
2016-06-13,Bank account or service,Checking account,Deposits and withdrawals,,"My checks were stolen as well as documents with my signature. I reported my checks stolen to Eagle National Bank. I even walked into a branch and received new checks and asked the bank not to allow any transactions on the closed account with only small pending transactions. I had a new account number created XX/XX/XXXX. 
On XXXX, the bank reversed charges, claiming that my signature was consistent with mine on file. Does the check fraud department do or do not know that signatures can be forged? The bank also makes an excuse how claim forms that were emailed to me were not received. I am sick and tired of Eagle National Bank not covering claims. I am ready to go to a higher level of Law Enforcement that the Banks are not investigating claims correctly or not covering claims, which is fraud itself. I certainly hope that this agency does something about Fraud and this Bank for a change. I have another claim not covered XX/XX/XXXX that I want covered and reopened by this bank. 
I was also charged fees in another account which both accounts combined I never should have been charged.",,Consent provided,Web,2016-06-13,Closed with explanation,Yes,No,CR1966532,4017
2016-06-13,Credit card,,Other fee,,"On XXXX/XXXX/XXXX a "" Small Balance Adjustment '' of {$.00} was removed from my BankAmericard XXXX card account. 
This transaction was quoted as a "" Small Balance Adjustment, Transaction Date : XXXX/XXXX/XXXX, Card Type : XXXX and Transaction Type : Fees. 
As Eagle National Bank is aware similar "" Small Balance Adjustment '' fees have been removed from my account on the following dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX I was informed on many occasions by Eagle National Bank that this is a system error and given various dates as to when this system error will be corrected. 
Per XXXX XXXX, a Resolution Specialist at Eagle National Bank this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per XXXX XXXX, a Resolution Specialist at Eagle National Bank this system error was expected to be corrected by XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Eagle National Bank is still working on the issue and I should hear from them, Eagle National Bank within 60 days from XXXX/XXXX/XXXX. 
Per correspondence from the Consumer Financial Protection Bureau, Eagle National Bank is still working on the issue and I should hear from them, Eagle National Bank within 60 days from XXXX/XXXX/XXXX. 
As per information provided above this same error has occurred XXXX times in the last seven months.",,Consent provided,Web,2016-06-13,Closed with monetary relief,Yes,No,CR1965952,4026
2016-06-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-13,Closed with explanation,Yes,Yes,CR1966451,2925
2016-06-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-13,Closed with non-monetary relief,Yes,No,CR1965843,1346
2016-06-13,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-06-13,Closed with explanation,Yes,No,CR1965658,9418
2016-06-12,Bank account or service,Checking account,Deposits and withdrawals,,"At the time, in early 2015, I was a customer of Eagle National Bank, living in XXXX County, Virginia. I had several unauthorized charges on my account, and as soon as I noticed them, I contacted BofA 's fraud hotline and had them begin an investigation, with some of the money temporarily returned to me. I was supposed to receive some forms in the mail, including affidavits to sign, however I never received these documents. Subsequent calls to Eagle National Bank told me that the documents were on their way and not to worry. Then, suddenly, out of the blue, Eagle National Bank closed my account without warning and sent a letter of explanation that said I was severely overdrawn because they had removed the temporary credits because I had not turned in those signed affidavits that I had never received. Now I have a permanent black mark on my credit report and am blocked from re-opening my account at Eagle National Bank. Since this was n't my fault and I made several reasonable attempts to resolve the situation by following through on their legal requests of me, I would like this decision to be reversed and to be allowed to bank with Eagle National Bank again.",Servicemember,Consent provided,Web,2016-06-12,Closed with explanation,Yes,Yes,CR1963191,2156
2016-06-12,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,The Eagle National Bank allegedly took the part of a seller of debt credit without screening how appropriate its consumer base was when doing so. It was negligent in the screening and should be held accountable.,Older American,Consent provided,Web,2016-06-12,Closed with monetary relief,Yes,No,CR1965687,1361
2016-06-12,Credit card,,Identity theft / Fraud / Embezzlement,,"Our Eagle National Bank Visa correctly identified fraudulent activity in XXXX 2016 when it denied charges for several transactions including, for example : XXXX on XXXX XXXX for {$100.00}, XXXX XXXXXXXXXXXX and XXXX @ {$420.00}. We were not aware of this until we received the XX/XX/XXXX-XX/XX/XXXX itemized charges. When we saw over {$1800.00} in fraudulent charges, we cancelled the card and requested an investigation. In particular, the XXXX transaction on XXXX XXXX of {$380.00} and a {$280.00} at XXXX should certainly require an ID check. After the investigation, we were told the pattern did n't fit fraud so the claim was denied. We asked several times now for the case to be re-opened, requested copies of the signatures and filed a police report. The single signature copy we received was n't a legitimate signature. EN has debited our account for the entire fraudulent amount. We can verify being at work when there were fraudulent card swipes. We have offered to help in every way but they wo n't refund the charges. Since EN identified fraud and denied claims with our card, without telling us, they acknowledged fraud. Now they are denying fraud for later purchases at these very places. We have never shopped at XXXX or several other places where the fraud occurred.",,Consent provided,Web,2016-06-12,Closed with monetary relief,Yes,No,CR1966496,4494
2016-06-12,Credit card,,Delinquent account,,"While making dinner on XXXX XXXX 2016, I received a call from EN reguarding a credit card in my husbands name that we owe on. However when I told the young man that I did not have a job and that my husband was XXXX currently, he kept trying to get me to make a payment after no avail of trying to be able to call back when i found a job and could make a payment I decided to hang up. Then this young man called me back after I hung up on him. First call was at XXXX and lasted around 8.5 mins. The young man called me back again at XXXX, I had raw meat on my hands at this time and could not answer so it ended up going to Voice Mail, where the young man did not leave a message.",,Consent provided,Web,2016-06-12,Closed with explanation,Yes,No,CR1966734,7567
2016-06-12,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-06-12,Closed with explanation,Yes,No,CR1964286,3907
2016-06-11,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I provide more supporting documents for the following case that I have previously submitted : XXXX. It is the error of Eagle National Bank ( EN ) which caused the mistaken transactions for my tax refunds. 
When I filed the 2015 Federal and California Tax return direct deposit, I omitted the last XXXX digits of my EN account number. EN account number has XXXX digits. I only wrote first XXXX digits for the account number, which should be an invalid account. EN should have therefore returned my tax refunds to IRS and California Franchise Tax ENrd due to the invalid account number. Please refer to the supporting documents for the details. 
When I went to the EN branch ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) on XXXX XXXX, the bank clerk ( XXXX XXXX ) verified that both of my 2015 tax refunds from Federal and California are in a different account. That account number has XXXX digits : the first XXXX digits are XXXX ' and the rest XXXX digits are the same as what I have written in the forms. I never authorized anyone to add the XXXX digits of XXXX ahead of my bank account to receive my Tax refund. It is the EN 's error to add the additional XXXX XXXX to form a complete account number. And to make things worse, EN refuses to correct the bank error even though I have informed the bank about these error immediately. 
I demand the bank to return my tax refunds ( both from IRS and California Franchise Tax ENrd ) in full amount.",,Consent provided,Web,2016-06-11,Closed with explanation,Yes,No,CR1964097,1592
2016-06-11,Bank account or service,Savings account,Problems caused by my funds being low,,"It first began on XX/XX/XXXX- My checking account had a balance of XXXX. Later that day, Eagle National Bank processed a XXXX transfer I did n't authorize. As a result, my account was overdrawn and I was charged XXXX for NSF fee. 
Shortly thereafter, I experienced major problems with my savings acct. 
From XXXX XXXX to XXXX XXXX, I was charged XXXX NSF fees@XXXX each totaling {$590.00}. The items presented were never cashed by B of A as I contacted the vendor- XXXX & paid them with another account. 
B of A is refusing to reverse the XXXX in NSF fees for the savings account and the XXXX NSF fee for the checking account. 
My savings account had a XXXX balance until they started applying NSF fees to my savings account. My checking account had a positive balance until they processed a XXXX transfer I did n't authorize.",,Consent provided,Web,2016-06-11,Closed with monetary relief,Yes,No,CR1964077,1886
2016-06-11,Credit card,,Billing disputes,,"Hello, I purchased some HVAC ( furnace / air-conditioner ) equipment from a business in Iowa. After the equipment arrived and was signed for I removed the boxes for it. Upon inspection I noticed the furnace was bent, and sent some pictures to a furnace technician. They said not to use it. 

After a long fight with Eagle National Bank 's credit card division, they released payment for it, stating that I signed and received it. The XXXX attorneys I spoke to said my credit card should not release payment. I am trying to find an attorney to take the case.",,Consent provided,Web,2016-06-11,Closed with explanation,Yes,No,CR1963092,2772
2016-06-11,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-06-11,Closed,Yes,No,CR1964558,1842
2016-06-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-11,Closed with monetary relief,Yes,No,CR1964672,4107
2016-06-10,Bank account or service,Checking account,"Account opening, closing, or management",,"I attempted to fix an issue with my bank account with Eagle National Bank XXXX and received various false information about what I should do about the money that was stolen from my account. There was also various transactions that were used to create a false sense of fear with - {$880000.00} removed from both my checking and savings account. 

There was also information that was falsely used to allow for the - {$880000.00} to be removed without applying a hold on the funds that were available or use of proper banking procedures. 

There were also various other attempts to steal or borrow money from other accounts that were directly connected to the government that Eagle National Bank assumed were fraudulent or incorrectly funded. Numerous answers that were provided to them were not enough to fix the issues. 

I want to make sure that Eagle National Bank realizes that using such codes incorrectly can cause great harm financially to a person as well as hamper a person 's ability to be financially stable especially without proper authorization or investigation before playing a {$1.00} XXXX hold on an account for {$1000.00}.",,Consent provided,Web,2016-06-10,Closed with explanation,Yes,No,CR1963841,11911
2016-06-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I went to the XXXX XXXX Eagle National Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX ) to request a mortgage loan on XXXX/XXXX/2016. I spoke with their mortgage loan officer. I provided him with the required documentation and after he reviewed it and made calculations he provided me with a conditional approval letter. At that time, he stated that I could start looking for properties and could submit offers ; as I would be looked as a serious buyer with the letter he provided me with. Approximately a week later, I found a condo I liked, but it required a higher amount than what the conditional pre-approval letter stated. I visited him again to sign additional documentation and I inquired about the possibility of increasing my loan. He stated that I could increase my loan amount by {$10000.00}. A day or two later he contacted me and told me that I should stick with the parameters set during the time that he gave me the conditional approval letter. He wished me luck and said that once I found a property the loan was going to be processed quickly as everything was in line. I proceeded to look for a property that fit the parameters he had given me. On Saturday, XXXX/XXXX/2016, I had my agent submit an offer on an ideal property. After consideration from the seller, who received six offers, my offer was accepted. Approximately an hour before I received the news that my offer was accepted on XXXX/XXXX/2016, the loan officer called me to tell me that the loan amount he had originally pre-qualified me for was not applicable. After several frustrating calls, I decided to take time off from work and make an appointment to see him the next day, as I needed to make a deposit so that escrow could open on the house. During this meeting, the loan officer said that information had come in after reviewing my tax returns and it caused my monthly income to be lowered, thus putting me above the debt to income ratio. However, even with this information, he continued to provide me with false hope. He told me that he was going to do what ever he could to resolve this issue. He also suggested that if he could not fix the issue, I could provide an additional {$10000.00} to the {$40000.00} down-payment and it would lower my debt to income ration below the 43 % ratio. As a buyer, I told him that I could n't provide {$10000.00} out of thin air. I left his office and was to expect a call from him before noon. At XXXX I called him and he said that he got his superiors to look into my file. Once again, he provided me with false hope as he said that their decision to even look at my file was a good indicator of potentially approving my loan. He told me he would call me by XXXX with a final decision. During this time, I proceeded to ask my friends for a loan in case it was necessary. I managed to secure a {$10000.00} loan from one of my friends. When he called at XXXX he stated that it was impossible to approve the loan as is. I then told him that I could provide the additional {$10000.00} on top of the down-payment. At this time he said that that was not a possibility. I was baffled as he had just told me that earlier. He stated that I misunderstood and that in order to get the loan I needed, I would have to put down {$80000.00}. As a result, I lost the house I was so excited to purchase. Being a first time home buyer is an already difficult time, but Eagle National Bank 's mortgage loan officer made this experience a complete nightmare. If he had been honest and realistic with his information, I would have never been put in such a predicament. I felt like a fool as I presented myself as a serious buyer to the seller being backed up by what I believed to be a reputable institution. I would have appreciated an honest guidance from the mortgage loan officer as opposed to deception and insincere responses.",,Consent provided,Web,2016-06-10,Closed with explanation,Yes,No,CR1964295,4956
2016-06-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"When I filed my XXXX Tax refunds direct deposit for IRS ( Federal ) and California Franchise Tax ENrd ( State ), I omitted the last XXXX digits of my bank account number. The bank involved is Eagle National Bank ( EN ). I contacted the IRS and EN immediately after I noticed this problem but the bank is irresponsible and refuses to take any action even though they received my detailed notice and also the request from IRS. 
I informed the bank about my problem on XXXX XXXX, XXXX and notified IRS and California Franchise Tax ENrd on XXXX XXXX, XXXX. The bank representatives confirmed me that both deposit transaction slips ( for my tax refunds ) have my names on them and the amount matches with my tax refund amount. However to my big surprise, my tax refunds went into another person 's account with a complete different name. The bank should have rejected these XXXX transactions. The internal control of the bank is so bad that it does not review any transactions and refuses to correct the error even though they are informed about the problem. 
IRS sent out their request to retrieve back the incorrect deposited tax refunds on XXXX XXXX, XXXX through the XXXX XXXX XXXX XXXX XXXX by FAX, and the bank should have received the request immediately. However from XXXX XXXX to XXXX XXXX, EN keeps telling me that they have not received any request from IRS and therefore refuses to take any actions to correct the error. On XXXX XXXX, XXXX, I was imformed by EN that the bank did receive the IRS request on XXXX XXXX, which is totally contradictory to what the bank told me earlier. EN told me there is insufficient funds left on that person 's account which received my Tax money. Therefore the bank can not fulfill the fund retrieving request from IRS. EN should be responsible for this loss. 
I think that the EN has a very bad internal control system. In addition, when I notified the bank about this urgent problem, the bank refused to take any actions and gave me misleading advice to just wait. This is dereliction of duty of the bank. It is really unfair. As a bank customer I feel very angry, and I want to take my money back.",,Consent provided,Web,2016-06-10,Closed with explanation,Yes,No,CR1963777,4423
2016-06-10,Credit card,,Closing/Cancelling account,,"At some point towards XX/XX/2016, Eagle National Bank claims to have sent me a letter requesting additional account information. This letter was sent without any proof of having been sent or received. Upon "" not hearing from me '', they closed my credit card account, and took my XXXX rewards points ( worth roughly {$250.00} ) Although this bank has my email address, phone number, and an alerts section on their website, they used none of these methods to contact me. My statements also have no mention of this letter, or afterwards, the account having been closed. Note that I was a cardholder for 12 years, with an excellent credit rating, and an account in good standing. 
This has the potential to affect my credit rating as it reduces my available credit, closes a line of credit, and I 'll need to open a new credit card account as well. I tried calling to resolve the issue but they would let me neither reopen the account nor reinstate my reward points. 
",,Consent provided,Web,2016-06-10,Closed with explanation,Yes,Yes,CR1964288,4065
2016-06-10,Credit card,,Billing disputes,,"Due to a misguided sense of honor and respect for my wife XXXX XXXX XXXX 's mother, XXXX XXXX, XXXX has been paying for her deceased mother 's Eagle National Bank 's credit card since XXXX passed away on XXXX XXXX, XXXX. XXXX has been requesting proof of B of A 's allegations that XXXX registered as a co-borrower on XXXX 's account -- rather than an authorized person -- since XXXX 's account was opened XXXX XXXX, XXXX. 

XXXX notified XXXX credit card issuers after XXXX 's passing away. Only B of A kept her mother 's account open. After asking for proof of XXXX 's name as a co-borrower versus an authorized person on XXXX 's account, B of A said on XXXX XXXX, XXXX that they would "" try to locate '' the information in less than a month. 

XXXX, according to B of A, used the card twice in XXXX. She asked for a record of the charges. B of A has said they only keep records for 7 years. ( XXXX knows they have records in some format, since XXXX worked for a bank that kept microfiche files on everything. ) We received a letter on XXXX XXXX, XXXX, generated we suppose by XXXX XXXX of B of A 's "" Customer Escalation Team '' ( XXXX 's term ) after we had a phone conversation with XXXX on XXXX XXXX, XXXX. The letter arrived without any B of A mark of any kind, except from "" FIA Services, '' either on the envelope or the letter. The letter said, '' We are unable to provide a hard copy of the application you requested because it was processed over the phone or electronically. Although we can not provide you with a copy, we can confirm that we received your application on XXXX/XXXX/XXXX. We apologize for any inconvenience this may cause. '' It had no name or signature, only XXXX and an option to write to Eagle National Bank. Calling that XXXX on XXXX XXXX, XXXX sent us to another person, XXXX XXXX, who asked us to wait to be transferred to the deceased accounts team, which we had spoken to for hours over several days. 

Eagle National Bank switched XXXX 's name to XXXX 's in XXXX, giving XXXX a credit line increase which was not requested. 

On XXXX XXXX, XXXX, we talked to a XXXX XXXX, who was calling to ask for payment on XXXX 's account. After talking with her for a half hour, explaining everything again, she said "" I really, really suggest you go to a branch. '' We did. We talked to XXXX XXXX at the XXXX XXXX XXXX, CA branch. She said, '' I 'm going to do the legwork and find an answer for you. '' She, after being sent to XXXX B of A departments, contacted XXXX, at XXXX, who she said would contact us after he had done the research. He was supposed to call us on the following Sunday between XXXX-XXXX in the morning. We received no call and no voice mail. When we let XXXX know the non-response two days later she said she would have XXXX contact us or she would. No call. 

The call on XXXX XXXX, XXXX lasted almost an hour including several transfers and holding music. The reason we can not pay XXXX 's credit card anymore is XXXX 's XXXX XXXX in XXXX XXXX which resulted in his losing his income. Our income and health do not afford us the luxury of paying XXXX 's credit card account anymore. 

1. We would like to have B of A prove that XXXX requested to be a co-borrower or cease and desist their demands that we repay XXXX 's credit card. 
2. Since B of A has been pounding nails in our credit report because of our inability to pay them, our credit rating has fallen. They can stop their demands and apologize, but they have already done the damage to our credit. Like pulling out the nails from the ENrd, they have left the holes. 
3. If B of A can prove XXXX used the account after XXXX 's death, we will pay that amount, if B of A will refund the money that XXXX has given B of A, in honor of her mother. 

We would very much appreciate your help! 

XXXX & XXXX XXXX XXXX, CA",Older American,Consent provided,Web,2016-06-10,Closed with non-monetary relief,Yes,No,CR1963652,5392
2016-06-10,Credit card,,Other fee,,"My wife and I have individual credit card accounts through Eagle National Bank. We XXXX were able to pay them off ( prior to the payment due date ) recently and had a zero balance. On the next statement, Eagle National Bank attempted to charge us interest, {$16.00} for my wife and {$9.00} on mine. I do n't trust Eagle National Bank and this makes me wonder how many people have had this happen and actually paid the interest charges. I can provide any details you might need. After calling, their automated system resolves the issue. 
I just feel like they are attempting to make money illegally by taking advantage of consumers who do n't understand their rights.",,Consent provided,Web,2016-06-13,Closed with explanation,Yes,No,CR1964313,1027
2016-06-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-10,Closed with explanation,Yes,Yes,CR1964764,1794
2016-06-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-06-10,Closed with explanation,Yes,No,CR1965075,11714
2016-06-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-10,Closed with non-monetary relief,Yes,No,CR1964627,505
2016-06-09,Bank account or service,Checking account,Deposits and withdrawals,,"I am a Eagle National Bank customers for years. I have personal checking and business checking account with Eagle National Bank. It is the first bank I opened when I came to USA and that I dont want to loose. 
Due to misunderstanding of agreement between you and me. I made a mistake by placing third party personal checks to business account. I was using my business account at XXXX bank for these purposes and I did not have any issues with them so far. I thought the agreement same as for XXXX. By the way, if I committed the fraud, I would be complaining and writing this statement, all actions were done because owners of checks had no way to cash it in their home country - XXXX, they asked me to do so. I have their authorization letters, copy of passport. 
Now XXXX is closing my both personal and business accounts. 
My impressions with Eagle National Bank is associated with my impressions of USA, since it is the first bank I opened in the USA. I do not want to loose those impressions, please do not take them from me.",,Consent provided,Web,2016-06-09,Closed with explanation,Yes,No,CR1962863,10476
2016-06-09,Bank account or service,Checking account,Problems caused by my funds being low,,"In all the attention given to Pay Day lending as a predatory industry that exploits the poor, the CFPB and media have ignored a common "" lending '' practice with major banks. 

While Frank-Dodd limited overdraft fees on debit card purchases, banks often still allow customers to overdraw their accounts intentionally at the ATM. This is often for a very short term, and when the fees are translated into an effective APR, the rate is astronomical. For example, an retired person who receives Social Security as their sole source of income is expecting their direct deposit in one week. They have {$10.00} in their account, but they need to buy groceries or medication. They decide to take {$80.00} from the ATM, which immediately triggers a {$35.00} fee. Their account stands at - {$100.00} after the overdraft and fee. Then ( for example, at Eagle National Bank ) they incur an "" extended overdraft '' fee of {$35.00} for not making their account positive after four business days, bringing their balance to - {$140.00}. This being deducted from a fixed direct deposit makes a repeat of a similar overdraft the next month all the more likely. 

The customer has in effect borrowed {$70.00} from the bank for one week at the cost of an additional {$70.00}. This is 100 % interest over one week or the annual equivalent of 5200 %. This is plainly usurious and should be illegal. Banks are still collecting XXXX in overdraft fees from those who are most vulnerable and least able to afford them.",,Consent provided,Web,2016-06-09,Closed with explanation,Yes,No,CR1961692,1517
2016-06-09,Bank account or service,Checking account,"Account opening, closing, or management",,My Eagle National Bank Checking account was closed without explanation. They let me keep some of their other banking products.,,Consent provided,Web,2016-06-09,Closed with explanation,Yes,No,CR1961948,9872
2016-06-09,Credit card,,Other,,"I am requesting that the CFPB assist me in getting Eagle National Bank to make good a "" stale '' check for {$1400.00} that the MBNA credit card company mailed to me in XXXX and that I then promptly misplaced for ten years. I probably thought then the small perforated letter was on the order of a notice of my pin number or a {$2.00} rebate check. Eagle National Bank bought MBNA in XXXX. I contacted Eagle National Bank in XXXX and they did nothing worthwhile, either at the bank branch or over the phone. Neither MBNA nor Eagle National Bank sent the money to the Abandoned Property Fund in New York or Delaware. 

I spoke by telephone with XXXX XXXX of Eagle National Bank on or about XXXX XXXX, XXXX about this matter. She telephoned me. She works at the XXXX dealing with "" underwater '' mortgages. She was of no help, not her job. 

I am requesting that you try to get Eagle National Bank to make good on this MBNA bank check. I ca n't figure out why the finds on this uncashed check did not go to the New York Abandoned Property Fund, which would have saved me a lot of trouble. 

Thanks for any assistance you can provide.",,Consent provided,Web,2016-06-09,Closed with explanation,Yes,No,CR1961929,687
2016-06-09,Credit card,,Credit card protection / Debt protection,,"I was provided a new replacement credit card by my financial institution because the account information had been compromised. However, to my shock, they are still permitting the existing vendors ( with my old credit card information ) to continue charging me. When I asked them how the vendor got my new credit card information, the financial institution said that they provided the new account information to the vendors to make it convenient for the existing vendors with recurring charges to continue charging me. 

I said, does n't it defeat the purpose of providing the new credit card? They said, this is the bank policy. 

In this case, the financial institution is more concerned about the vendor than the consumer. 

They should be forced to change their policy.",Older American,Consent provided,Web,2016-06-09,Closed with explanation,Yes,No,CR1961345,3964
2016-06-09,Bank account or service,Checking account,Problems caused by my funds being low,,"Hi, Eagle National Bank fraudulently charged {$200.00} NSF fees when I had enough money in my account to cover debits. I had a balance of credit - {$220.00}, I had a debit come in for {$220.00}. Eagle National Bank held the debit until another item came in to purposely have my account overdraw with not enough funds to pay the big debit of {$220.00}. This is illegal. They are trying to use the excessive overdraft fees to finance their bank and profit. ( PLEASE SEE MY BANK STATEMENT BELOW OF PROOF OF ABUSE OF EXCESSIVELY CHARGING OVERDRAFT FEES BELOW, WHEN I HAD ALOT OF CREDITS THAT WOULD HAVE COVERED MY DEBITS, BUT THEY KEEP OVERDRAFTING MY ACCOUNT WITH THEIR FEES. ). Eagle National Bank overdrew my account and broke the law under the Fair Debtors and Creditors act and the Privacy Act. AND, THEY KEEP CHANGING THEIR POLICY DAILY WITHOUT INFORMING CUSTOMERS. FIRST THEY SAID THAT I WOULD N'T BE CHARGED AN NSF FEE BECAUSE I ELECTED TO NOT HAVE ANY DEBITS IF THERE ARE NO FUNDS IN MY ACCOUNT. NOW THEIR LIEING AND SAYING THAT THEY NEVER SAID THAT ). NOW THEIR SAYING EVEN IF THEY RETURN AN ITEM BECAUSE I ELECTED THEM NOT TO PAY IT, THEY STILL CHARGING ME {$35.00} FOR EACH ITEM. THIS IS EXCESSIVE ABUSE AND MANIPULATION OF A CUSTOMERS ACCOUNT. ). They purposely held pending transactions that the merchant had already sent through. Meaning they held pending transactions for 5 days to the Monday morning processing ( AND ITS NOT SUPPOSED TO BE PROCESSED TO MONDAY NIGHT ) so that my account would incur NSF fees totaling {$200.00} which far exceed the amount of the total of my transactions which totaled, This is excessive behavior and abuse of power. They are lying and severely breaking the law. They are just trying to profit from the consumers with the lowest monies in their accounts to utilize - that money that they generate from NSF fees - to pay out to their customers with big business and big money. What they 're doing is fraud and illegal. They 're commingling funds and manipulating their currency to accumulate a substantial amount of money through NSF fees. A reasonable person under the same and similar circumstances would agree with me. You should also contact their Executive department because their regulation department will not inform their executive office of their wrongdoing because they know that they would be fired if your Executive department found out this information of their wrongdoing. I 'd like a refund of all of my NSF fees totaling {$600.00} since I opened the account due to their fraudulent activity and their disobedience of the law under the Federal Trade Commission. 

SEE BELOW PROOF - Eagle National Bank Description Debit Credit XXXX/XXXX/2016 CREDIT ONEMAINFINANCIAL LOAN PAYMT {$220.00} XXXX/XXXX/2016 FEE OVERDRAFT RET View Details XXXX ; Go paper free and get notices online only XXXX Setup balance alerts {$35.00} XXXX/XXXX/2016 DIRECENEBIT XXXX PAYMENT {$30.00} XXXX/XXXX/2016 DIRECENEBIT XXXX LOAN PAYMT {$220.00} XXXX/XXXX/2016 DIRECENEBIT XXXX {$25.00} XXXX/XXXX/2016 CREDIT ATM CASH DEPOSIT XXXX XXXX XXXX XXXX XXXX * XXXX {$20.00} XXXX/XXXX/2016 DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$10.00} XXXX/XXXX/2016 DEBIT CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$25.00} XXXX/XXXX/2016 FEE MAINTENANCE FEE {$5.00} XXXX/XXXX/2016 DEBIT DEBIT {$77.00} XXXX/XXXX/2016 DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$10.00} XXXX/XXXX/2016 CREDIT XXXX PAYMENT {$25.00} XXXX/XXXX/2016 FEE OVERDRAFT RET View Details {$35.00} XXXX/XXXX/2016 CREDIT XXXX ACH PMT {$59.00} XXXX/XXXX/2016 CREDIT ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$20.00} XXXX/XXXX/2016 CREDIT ATM CASH DEPOSIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$320.00} XXXX/XXXX/2016 DIRECENEBIT XXXX PAYMENT {$25.00} XXXX/XXXX/2016 CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX {$73.00} XXXX/XXXX/2016 DIRECENEP XXXX",Servicemember,Consent provided,Web,2016-06-09,Closed with monetary relief,Yes,No,CR1961779,4698
2016-06-09,Credit card,,Customer service / Customer relations,,"EN Card Services was contacted by a person who had stolen my credit card information. EN failed to properly authenticate this person when they called notifying them of an upcoming fraudulent purchase using my card, and allowed them to change the phone number ( my number ) that was associated with the account. This charge for {$6200.00} on XXXX from XXXX was processed using XXXX Payment on an XXXX and then discovered by me as a fraud. I notified EN of the fraud around XXXX XXXX. They said they would credit the fraudulent charge, close my account, and issue me a new card. I received the new card, and through a series of at least 4 frustrating phone calls, finally authenticated my account by faxing them several forms of ID. I called 3 more times as the fraudulent charge remained associated with my account. Each time I was told that the charge would be credited in 5 to 7 business days. As my credit card statement neared its due date, I notified EN in an additional call that my billing due date was approaching, that the credit had not been made, and that I did not want to see late fees, interest charges, and a notification of missed payment sent to the credit reporting agencies. My fear was that this would negatively impact my credit score as a consumer through no fault of my own. No one in their customer support could explain to me how or if the credit reporting agencies would be notified in the event of a late payment. After speaking with a fraud specialist on an additional call, it was only then determined that the credit was placed onto the old and now closed account. Predictably, the account came due and interest charges and late fees were added to my account. I made an additional XXXX calls over the last week trying to get this resolved to no avail. I spoke to a supervisor XXXX after being on hold for almost XXXX minutes who again lied to me telling me the credit would be applied the next day. It was not, only the late fee was credited. I called the next day and was told that the supervisor was in a meeting and that I would receive a call back from the supervisor XXXX and I never received a call back. I asked the representative on how I could give feedback to EN on the frustrating experience that I was having and they could provide no such contact information. I asked if the credit reporting agencies had been notified and I was not directly answered only that the fraudulent charge was marked as disputed in their system. It is now XXXX/XXXX/16 and the charge remains on my account as well as interest. There is no excuse for the breach of my account, the lies that I 've been told, and the waste of all of my time which I have not been compensated for. I am writing this in the hope that as a consumer in the United States, there are protections and sanctions against those incompetent companies who mistreat their customers, and potentially ruin their credit worthiness.",,Consent provided,Web,2016-06-09,Closed with monetary relief,Yes,No,CR1962137,1294
2016-06-09,Credit card,,Billing disputes,,,Older American,Other,Web,2016-06-10,Closed with explanation,Yes,Yes,CR1962461,4791
2016-06-09,Credit card,,Payoff process,,,,Consent not provided,Web,2016-06-09,Closed with non-monetary relief,Yes,Yes,CR1962744,1248
2016-06-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,Consent not provided,Web,2016-06-09,Closed with explanation,Yes,No,CR1962280,3559
2016-06-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-09,Closed with explanation,Yes,No,CR1961291,1384
2016-06-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"1 ; Justice Dept. fined Eagle National Bank ( EN ) XXXX "" in a historic settlement for financial fraud leading up to and during the financial crisis ''. As a result, my wife & I received a letter XXXX XXXX, XXXX from EN stating we were "" approved for their full principal forgiveness program '' for our mortgage, for which we had not defaulted nor were delinquent in current payments. ( See support document ). Also stated in the EN XXXX letter : "" a tax relief fund was established to help defray some of our federal tax liability ''. Subsequently, EN sent us ( & the IRS ) a XXXX document stating : "" cancellation of debt '' terminology, which is NOT PRINCIPAL FORGIVENESS terminology ( See support document ). This "" cancellation of debt '' terminology resulted in our credit reports listing a "" charge off '', not a principal forgiveness program, thus resulting in a lowering of our credit rating. The "" charge off '' term and "" cancellation of debt '' term were red flags at the credit bureaus, causing this lowering our credit scores. 
2. We contacted EN re : amount & procedure for their tax relief fund to be applied to our XXXX tax burden. After multiple calls to EN 's customer service telephone number as listed on letter sent to us, no one "" knew anything about this issue ''. They suggested we call the IRS. We did call the IRS and were referred to their legal area. We were told "" effective immediately, we can not talk to the consumer regarding any matter of cancellation of debt or charge offs ''. Now, our XXXX federal taxes are extended to XXXX XXXX. Since we got no answers from EN & IRS, we will be penalized with interest and penalties commencing XXXX XXXX, XXXX.",Older American,Consent provided,Web,2016-06-08,Closed with monetary relief,Yes,No,CR1959289,6469
2016-06-08,Bank account or service,Checking account,Problems caused by my funds being low,,"All events took place over the internet on XXXX/XXXX/2016, last Friday. 
I performed a transaction which would debit one of my checking accounts for {$270.00}. After I completed it and within the hour, I realized that my profile at the application site where I completed the transaction had my Eagle National Bank account. This account did not have the balance to cover the debit, but I proceeded to do an internal account transfer, which was successfully processed. 
Eagle National Bank posted the debit amount on the same day, XXXX/XXXX/2016, but held "" pending '' the credit to cover it ( via the transfer ) until XXXX/XXXX/2016 and causing an overdraft charge. 
I called BofA on XXXX/XXXX/2016 and spoke with Rep Aundrea ( or apologies if I got the name wrong ) who at the end, despite of that I asked for a courtesy refund, insisted to tell me that it was not an error since BofA processes the transaction immediately after the customer provides their routing and account numbers to the website, regardless of whether a transfer/ deposit to cover is done, even within a second. 
I found the situation to be very deceiving and incorrect, especially after explaining that the transfer crediting the account happened within the hour of realizing the fact. I explained that transactions arrive on a given day and they post credits first then debits. It is a matter of principle. 
Thanks",,Consent provided,Web,2016-06-08,Closed with monetary relief,Yes,No,CR1959143,4106
2016-06-08,Bank account or service,Checking account,Problems caused by my funds being low,,"I noticed that my account had a negative balance. As I looked at the account, I noticed that a pending transaction was listed and the balance was positive but a {$35.00} overdraft transaction was incurred. I spoke with the representative and they stated that the pending transaction was included in my available balance although the item is still processing and the merchant has not processed a receipt. I feel as though this is an unfair practice that puts consumers at risk.",,Consent provided,Web,2016-06-08,Closed with monetary relief,Yes,No,CR1959445,4138
2016-06-08,Bank account or service,Checking account,Problems caused by my funds being low,,"In 2012 Eagle National Bank refused to close my accounts or issue an order to stop payment, or accept my fraud complaint. They kept my accounts open and continued to allow my accounts to be charged, and charge me overdraft fees, thus causing undue stress and issues. My accounts were added funds which I wanted to reverse from XXXX loan companies, online source. They refused to help me with anything and I refused to continually add funds to my accounts until they fixed.",,Consent provided,Web,2016-06-08,Closed with explanation,Yes,No,CR1960431,4431
2016-06-08,Bank account or service,Checking account,Deposits and withdrawals,,"Last Thursday night I deposited my payroll check thru an ATM at the Eagle National Bank branch located XXXX XXXX XXXX XXXX, XXXX, WA XXXX. At the time I was overdrawn on my accout but the check for {$1800.00} was more than what was needed to cover this. 

I received and email on XX/XX/XXXX saying the check was being held until XXXX XXXX because of poor image quality "" {$1800.00} XXXX XXXX, XXXX by XXXX local time XXXX XXXX, XXXX {$1800.00} {$1800.00} Reason for hold Reasonable cause to doubt collectibility due to image quality. 
Monday XXXX XXXX I went to the branch were the deposit was made and the employee got me in touch with Customer service who checked with Risk Management. They said the image had the account number but only a partial routing number they could not release funds until XX/XX/XXXX. 

As I mentioned this is the same payroll check I have been depositing twice a month for as long as I have had the account. I am now having direct payments hit and not only are they not being covered, which I was told would be because the check is in pending status but I am receiving NSF charges. 
This seems extreme and completely unacceptable since the issue here is the ATM, not anything that was controllable by me. 

Can you help get this resolved",,Consent provided,Web,2016-06-08,Closed with monetary relief,Yes,No,CR1958747,3416
2016-06-08,Credit card,,APR or interest rate,,"Eagle National Bank offered an Introductory APR of 0 % for a XXXX credit card they provided. I began accruing interest charges after the 2nd billing cycle. I inquired about the charges via telephone and explained that I was supposed have a 0 % Introductory rate. They denied this and that they did not offer such a promotion so I requested to have my terms and conditions for the account emailed or inquired where I could view them on my personal online dashboard. The only option was to have them mailed which took 10 days. The mailed documents confirmed in the Interest Rate and Fee Schedule ( page XXXX, document XXXX ) that there is a 0 % Introductory APR for the first XXXX billing cycles for Purchases. I called them to inquire again about the unjust interest charges according to the terms and conditions of the account. They continue to deny that they offer such a promotion and have requested that I fax the Interest Rate and Fee Schedule ( page XXXX ) to them for them to review. Why do I need to fax it back when they just mailed it to me? The review process takes at least 5 days. All the while my account continues to earn interest when it should n't.",,Consent provided,Web,2016-06-08,Closed with monetary relief,Yes,No,CR1959306,3415
2016-06-08,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-06-09,Closed with explanation,Yes,Yes,CR1957257,4339
2016-06-08,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-07-19,Closed with explanation,Yes,No,CR1959140,1009
2016-06-07,Bank account or service,Checking account,Deposits and withdrawals,,"A CASH deposit was made into my Eagle National Bank account and I am not able to access the funds the same day. This is outrageous. CASH deposits should be made available immediately, not the next day. It is not right for Eagle National Bank to hold my cash for a day for no reason. This is beyond the pale of reason.",,Consent provided,Web,2016-06-07,Closed with explanation,Yes,No,CR1957557,3935
2016-06-07,Bank account or service,Checking account,Problems caused by my funds being low,,"I am writing to make a formal complaint regarding the assessment and adjudication of said fees on my Eagle National Bank checking account. 
I called Eagle National Bank Customer Service this morning XXXX XXXX 2016. XXXX previous calls were made with no connect made due to high call volumes and wait times between XXXX and 50minutes. 
- I spoke initially to XXXX and subsequently to her supervisor XXXX XXXX. 
- I requested a review and consideration of reversal for at least some of the fees assessed to my account XXXX of which have come in the last 6 days. 
- I pointed out that attempts were made to bring the account to date as soon as email notification was received. 
- Same day deposits were ignored and fees were assessed regardless. 
- A total of {$420.00} in fees have been assessed to my account in the last Year - A total of {$170.00} in fees have been charged to my account in the last 60 days - A total of {$70.00} in fees on a single transaction for {$70.00}, for which I made XXXX deposits totaling {$50.00} - I have been a Eagle National Bank customer for over 10years - XXXX XXXX adjudicated claims as non-reversible and ended the call on that note. 
- I would like to request a second review and at least some of the funds returned. 

The fact that Eagle National Bank can charge {$420.00} in fees on low balance checking accounts, routinely and without any moral dilemma about it shows a callousness and complete disregard for its customers. 

I would like to see some measure of amelioration applied to my case. 

Thank you",,Consent provided,Web,2016-06-07,Closed with monetary relief,Yes,No,CR1958885,1340
2016-06-07,Bank account or service,Checking account,Using a debit or ATM card,,"I have been reviewing my bank statements and have realized that when I use an ATM card I am being charged as much as {$7.00} - {$10.00} per transaction. I authorize the fee from the ATM so I should see an {$2.00} - {$3.00} fee on top of the money I am withdrawing, but I am also seeing that my bank is charging me a {$2.00} fee for a balance inquiry that I never agreed to and then they charge another {$2.00} for using a non- EN machine, this is also not disclosed. So depending on the amount taken out at the ATM, these fees could be as much as 20 % of the money withdrawn on a {$40.00} ATM transaction ( XXXX {$40.00} ) this is worse than the short term money loans. All of the fees should be disclosed when doing an ATM transaction. My Bank is Eagle National Bank.",,Consent provided,Web,2016-06-07,Closed with monetary relief,Yes,No,CR1955201,2126
2016-06-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,I made a payment to a company but it was never received and Eagle National Bank refuses to give me my statement from that month to show the company I did payq,,Consent provided,Web,2016-06-09,Closed with explanation,Yes,No,CR1958888,851
2016-06-07,Bank account or service,Savings account,"Account opening, closing, or management",,"On XXXX/XXXX/2016 I transferred money from Eagle National Bank to Eagle National Bank XXXX XXXX to create a XXXX Savings Account. A mistake on their part led to the account being canceled. Despite repeated calls to EN XXXX Accounts, a visit to my local EN branch and assurances that my money would be returned, I can not get Eagle National Bank to return my money.",,Consent provided,Web,2016-06-07,Closed with explanation,Yes,No,CR1957961,4221
2016-06-07,Credit card,,Rewards,,"Hi, This is XXXX XXXX. I am the owner of XXXX. 
6 month ago someone stole my reward check from Eagle National Bank and deposited it to one 's own account in your bank. 
I called both bank dozen of times I could not receive my check but the copy of it. 
Eagle National Bank called it is your responsibility to give my check back, and XXXX XXXX called Eagle National Bank is responsible for this. 
It is not understandable that neither of bank can not solve or even help me to get my {$700.00} back. 
I understand customer, who is the thief for me, deposited my check to XXXX XXXX XXXX, but why not it is responsibility of XXXX XXXX XXXX? If it is not XXXX 's responsibility, tell me how to report to Eagle National Bank so that Eagle National Bank take the full responsibility and give my check back. 
I am attaching the letter that shows someone took my check and deposit to XXXX XXXX XXXX. 
Thank you. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX",,Consent provided,Web,2016-06-07,Closed with explanation,Yes,No,CR1958537,1646
2016-06-07,Credit card,,Transaction issue,,"In general, I believe that credit card treatment of foreign exchange transactions is an area full of undisclosed charges and unfair treatment of consumers. I would ask CFPB to examine this area. The proximate cause of my complaint is an instance with my BankAmericard where I was charged a foreign exchange fee of 3 % on a transaction denominated in US $ -- with a value of {$980.00}. Under Bankamericard terms, they charge the fee whether the transaction is in foreign currency OR in US $ processed outside of the US. My complaint is that this is a rather obscure fee that has no connection to any business costs that Eagle National Bank actually generates. Further, the method that credit card companies use to determine the foreign exchange rates assessed on consumer transactions do not appear to bear much relationship to the wholesale FX costs that they actually pay. 
",,Consent provided,Web,2016-06-07,Closed with explanation,Yes,Yes,CR1958645,1217
2016-06-07,Bank account or service,Checking account,Using a debit or ATM card,,"I am an account holder at Eagle National Bank. I requested a withdrawal from my brokerage account XXXX to be credited to my debit card at Eagle National Bank. I spoke to a customer service representative at XXXX, and I was shown evidence that the withdrawal and instantaneous deposit to my checking account was completed. I went to the Eagle National Bank branch office on XXXX and XXXX Streets and they told me they have nothing in pending transactions or otherwise to reflect that fact. Also, I write to complain about Eagle National Bank 's policy of not abiding by XXXX standards in accounting which specify First-In, First-Out accounting or First-In Last-Out accounting, but rather by the "" size of the transaction, '' in overdraft protection. This practice is unacceptable because the balances on ATM receipts do not reflect the balance by their method and the result is a charge of {$35.00} every time the consumer withdraws from the account. For example, an ATM receipt may reflect a {$20.00} balance, and the consumer may withdraw {$10.00} based on that statement only to XXXX that Eagle National Bank 's "" records '' do not match their statement and the consumer is defrauded out of {$35.00} each time a withdrawal down to {$0.00} occurs. I will attach proof of my withdrawal from XXXX and instantaneous credit to my Eagle National Bank debit card as well as proof of such fraudulent charges as associated with overdraft protection, known as "" Debit Card Advance ''.",,Consent provided,Web,2016-06-07,Closed with monetary relief,Yes,No,CR1957815,9820
2016-06-07,Bank account or service,Checking account,Problems caused by my funds being low,,"XXXX XXXX has mark me down for fraud or account abuse. I have n't committed any of that of my account. I took out a pay day loan and had it linked to my bank account at the time, I called the pay day loan services and asked them not to take money out of that account because it would n't be enough in there ( since I lost my job ) they refused. I passed that information on with XXXX XXXX, who informed me they would put a stop payment with the pay day services and they never did, which continued to allow the pay day service to debit the amount I owed, and the payment would come back returned leaving me with fees. I called XXXX XXXX every day for a week back in 2011, and they refused to fix the problem. I never committed fraud or account abuse with my account. XXXX XXXX refused to prevent the matter from escalating leaving me to pay fees that I could n't afford. 

XXXX XXXX has also written me off with the same thing. ATM abuse. When I lived in Idaho my identity as well as my girlfriends XXXX XXXX, was stolen. We wrote a report for the person who police already had in custody at the time but they refused to look further into the matter since he 's in jail. The police were also XXXX. And I 'm not saying that for pity or playing the race card, they were truly XXXX. Against my sexual orentation and my skin color, my girlfriends as well. I know this because they said it to my face. I requested XXXX XXXX to remove the account entirely due to fraud and they want me to submit a police report. I live in XXXX now. Since the bank is in the west coast the police in XXXX ca n't do anything about it. I 'd have to go back to Idaho. I called Idaho to get the police report number but they do n't have anything on file. I want that account removed. 

Eagle National Bank, a similar situation. My Eagle National Bank account was never comprised. My XXXX bank account was which was linked to my EN account. My cousins son XXXX XXXX, who is currently in custody for identity theft hi jacked my XXXX account and would make transfers from my Eagle National Bank in my XXXX and with draw the money. At the time I did n't really pay attention to any bank because I knew there was no money in either. I was n't big on online banking, but I kept getting mail saying I owe outrageous amounts of money. Eagle National Bank, I owed them prior and paid off my account so when I seen that I still owed them I did a little research and put two and two together.",,Consent provided,Web,2016-07-05,Closed with explanation,Yes,No,CR1958099,1462
2016-06-07,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-06-07,Closed with explanation,Yes,Yes,CR1958006,3499
2016-06-07,Credit card,,Late fee,,,,Consent not provided,Web,2016-06-07,Closed with explanation,Yes,Yes,CR1958842,10564
2016-06-07,Credit card,,Advertising and marketing,,,,Consent not provided,Web,2016-06-07,Closed with non-monetary relief,Yes,No,CR1957696,859
2016-06-07,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-06-07,Closed with explanation,Yes,No,CR1957157,4175
2016-06-07,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-06-07,Closed with explanation,Yes,No,CR1957465,207
2016-06-06,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank manipulated the order of the transactions in order to charge overdraft fees. I checked my balance through the app and the website on Friday ( XXXX/XXXX/16 ) and Saturday ( XXXX/XXXX/16 ) and I had a positive balance in my account. I also received a transfer to my account on Saturday and at this point, my account still was in a positive balance. I check my balance on Monday ( XXXX/XXXX/16 ) and I found out that Eagle National Bank charged XXXX overdraft fees on Friday. From these fees, there is XXXX that calls my attention ; I made payments to my Eagle National Bank credit card on different days, but they process XXXX them on the same day so they can charged me more. In summary, they manipulated the order of the transactions so my account would look with not sufficient funds, when in relaity I had funds during the while weekend.",,Consent provided,Web,2016-06-06,Closed with monetary relief,Yes,No,CR1957043,910
2016-06-06,Bank account or service,Checking account,"Account opening, closing, or management",,I had a direct deposit with my bank and 2 days before i was to get paid again they closed my account and has yet to give us a reason. They said they do n't have too and since they closed my account i have not been able to get and account anywhere else it 's like i have been XXXX. I just want to fined out what happened to cause all this.,,Consent provided,Web,2016-06-06,Closed with monetary relief,Yes,No,CR1955804,1210
2016-06-06,Bank account or service,Savings account,"Account opening, closing, or management",,"I have been a Eagle National Bank customer in good standing since 2011, using a number their services. Recently, my savings account was frozen by the bank 's risk department without notice. The account was not overdrawn and had a steady balance. I was informed over the phone by a representative from the bank 's risk department that the bank had "" made a business decision '' in closing my account. I was given no prior notice of the closure or reason for the decision, and I temporarily lost access to online banking for all my accounts ( including checking, credit, and money market savings ). The representative said I could resolve the issue at a financial center, where a bank representative would deliver me the funds "" if they had the ability to do so. '' It took three visits over ten days to a local branch to finally get the funds released and the account closed. By the end of the first visit, I told the branch representative that I wished to end all business with the bank. Realizing that the account closure was likely an error and not wanting to lose my other accounts, she attempted to get me to keep my savings with the bank and ( I believe ) intentionally stalled closing the relationship. After each visit, I was told that the matter would be resolved and that the branch would contact me once the funds were released and the account closed, but I never received any contact or follow-up. I was unable to talk with the risk officer and the branch manager provided no further information about the situation. The bank was uninterested in compensating me for work hours lost attempting to resolve this issue. Once the funds were released, the bank dragged its feet in permanently closing the account as I had requested, presumably because they were attempting to retain my other accounts. Given that the bank chose ( for no expressed reason ) to close my account in the first place, I find it troublesome that I was forced to make several phone calls and three trips to a branch before they actually closed the account and returned my money.",,Consent provided,Web,2016-06-06,Closed with explanation,Yes,No,CR1956528,160
2016-06-06,Credit card,,Rewards,,"After accumlating more the XXXX points with Eagle National Bank, I completed the online process to trade points for a {$25.00} prepaid visa in XXXX XXXX. As of this date, the card has not arrived. 
Between XXXX XXXX and XXXX XXXX I called Eagle National Bank at least 5 times. I had to sign an affidavit that my complaint is valid and I did not receive the card. I was promised the card would be sent during at least XXXX of those XXXX calls. I have requested a copy of the original application for the Eagle National Bank Card from XXXX when I first applied. The request has been ignored. My payment record is excellent. My XXXX score was low XXXX 's when last I checked. I do not understand why Eagle National Bank would dog me out after 16 years. My current balance is less than {$20.00} - I have had balances in excess of {$13000.00} Can you help me get my {$25.00} gift card or have my XXXX points put back in my account. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX",Older American,Consent provided,Web,2016-06-06,Closed with monetary relief,Yes,No,CR1956790,892
2016-06-06,Credit card,,Credit card protection / Debt protection,,"In XXXX, XXXX I had a credit card balance with Eagle National Bank ( "" EN '' ) of {$1300.00}. I paid the balance in full with a representative over the phone. Please see attachment XXXX When I told the representative I wanted to pay the balance in full, I was not warned that I would incur interest or other charges from EN again at a later date -- I assumed that paying the balance in full meant that the balance was being paid in full and I did not use the card again after that. Unfortunately, in XXXX, XXXX EN charged me interest on that the prior balance -- I have since learned that it was incurred before it was paid over the phone but had not yet been charged to me at the time I paid the account in full. Because I thought I had paid the card in full in XXXX, XXXX it never occurred to me to log into my EN credit card account and check for an existing balance on the card again. The interest charged was a very small amount of {$5.00}. Because I was not contacted again by EN to be made aware of that interest, I was not aware of the balance and it went unpaid until XXXX, XXXX when EN charged it off and set my account balance to {$0.00}. Please see attachment "" B ''. 

Attachment B shows that since XXXX XXXX -- for almost two full years -- my account with EN has had a balance of zero dollars. Despite this, I have recently learned that for the last ( nearly ) two years, EN has been reporting my account as negative and "" failure to pay ''. In the 21 months since EN charged off the account, the account has continued to reflect a balance of zero every single month. For those 21 months, I never received any statements or other correspondence from EN to alert me that the company has been damaging my credit by reporting each and every month that I have not paid on the account but that is indeed what has been happening. Please see Attachment "" C ''. 

The account was closed in XXXX. The entire ( albeit, small ) balance was charged off in XXXX, XXXX. The statement from XXXX, XXXX reflects {$0.00} due. From XXXX, XXXX through today, XXXX, XXXX, EN had been reporting the account unpaid to each credit bureau. EN 's actions are unfair, abusive, and in conflict with the Fair Credit Reporting Act. Accordingly, I respectfully request that EN contact each of the credit bureaus to which it has been negatively and incorrectly reporting my account as unpaid and that EN promptly erase the negative and erroneous reports from the last 21 months. I further request that EN send me written correspondence confirming that said actions have been taken. Thank you.",,Consent provided,Web,2016-06-06,Closed with non-monetary relief,Yes,No,CR1955985,6644
2016-06-06,Bank account or service,Checking account,"Account opening, closing, or management",,"I confronted EN Bank in XXXX ma. I explained that our accountant XXXX XXXX was in our opinion had stolen the funds from our lottery ticket for XXXX dollars. XXXX XXXX XXXX XXXX XXXX XXXX ma, has been charged and convicted .we had our house broken into all files stolen.police report filed .i closed this account and I have never received any paperwork on this account as we closed it and now XXXX tells me I owe this bank XXXX I owe nothing and this is interfering with me obtaining a proper safe home for myself and my XXXX child this account reports closure status unknown and a report date of XXXX/XXXX/12 I am still at the same address as i was and no checks ever got ordered to this account .Eagle National Bank needs to fix this",,Consent provided,Web,2016-06-06,Closed with explanation,Yes,No,CR1955781,683
2016-06-06,Credit card,,Customer service / Customer relations,,"I had a very bad experience with Eagle National Bank. This company is not complying with the duty of good faith and fair dealing. I requested a due date change and was told that it could take 1 to 2 billing cycles to take effect. However, same request @ the same time which was done to another account did go into effect on the same billing statement and was also confirmed on a later call versus this account which was not confirmed. However, still assumed it would have same rules. After the statement ended up printing with a large balance, because I did n't make a payment due to the fact that I thought it will print later in the month. Therefore, I right away made a payment and requested that they should complete a mid cycle update to the credit bureaus with the new updated balance. I was promised it will be done as well as I would get compensation for this inconvenience. After more than a week, when nobody got back to me, despite their promise to contact me, I reached out to them. After around 40 minutes on the phone with their lazy representatives I was advised that as per the corporate office I wo n't get compensation and there will be no credit bureau update either. @ that point I requested that they should please stop the request for the due date change, which they confirmed it 's been canceled. I then reached out to the corporate office to XXXX XXXX XXXX and asked her to assist me with the mid cycle update. She acted very nasty on the entire conversation and she simply refused by saying her manager XXXX XXXX XXXX is not allowing her to help me with this, but I can contact XXXX XXXX who would be happy to assist me. When I asked her to please check if she is available, since I do n't wan na have the run around, she refused, but assured me XXXX XXXX will handle it for me. I asked her to only give the massage over and she agreed. I then called XXXX XXXX, who of course as always did n't answer. I left a detailed message and also sent an email with my request. When I did n't get any response, I reached out to XXXX XXXX in another email letting her know how important it is for me, and that 24 hours passed already since I tried her, warning her if she does n't respond I will reach out to her managers and also file a complaint with the CFPB. She then answered me with the following : "" I am out of the office for an off site meeting. Should you need immediate assistance please call our customer service agents who will be happy to assist. '' This unbelievable unfair answer, was after I was already pushed off by the regular customer service, refused service by XXXX XXXX per her advice, already wrote to her the importance of the issue, and was already ignored over 24 hours. Finally I reached out to all her supervisors including XXXX XXXX XXXX who all gave me same attitude, and never returned my calls and emails. When contacted their higher folks @ the executive office and filed a XXXX complaint, XXXX XXXX and XXXX XXXX got back to me, saying, that the mid cycle update was already completed and sent to the credit bureaus, and they can not provide compensation. This in fact is a simple lie. As of today XXXX/XXXX/16 it 's not yet updated with the bureaus. Now, I was mislead again, by them changing the statement date, after promising me it wo n't be changed. I went ahead and made full payments to cover for a XXXX statement balance however now they decided to change the statement date and I will have to wait until the XXXX for the bureaus to show my XXXX balance. Every call with their customer service takes at least 15 minutes. Corporate office, ignores me when bringing any issues to their attention, and they are not interested to improve.",,Consent provided,Web,2016-06-06,Closed with explanation,Yes,No,CR1956857,3639
2016-06-06,Credit card,,Identity theft / Fraud / Embezzlement,,,,Other,Web,2016-06-06,Closed with explanation,Yes,Yes,CR1956549,756
2016-06-06,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-06-06,Closed with explanation,Yes,No,CR1955454,3487
2016-06-06,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-06-06,Closed with explanation,Yes,No,CR1955063,4421
2016-06-05,Bank account or service,Checking account,Problems caused by my funds being low,,"I called Eagle National Bank customer service on XXXX XXXX, 2016 and was told my wait time would be XXXX to 8 minutes. I was on hold for 25 minutes before I finally gave up and I hung up the phone. The next day ( XXXX XXXX ) I called the same customer service number and again they said it would be XXXX to 8 minutes and I was on hold for over 15 minutes before someone answered the phone. This lack of access and disrespect of customers should be addressed.",,Consent provided,Web,2016-06-05,Closed with monetary relief,Yes,No,CR1955115,255
2016-06-05,Credit card,,Identity theft / Fraud / Embezzlement,,"Car was broken into and had my wallet, laptop, and other items stolen on XXXX XXXX, 2016. I filed a police report and reported stolen for all my cards. All the cards came except the Eagle National Bank debit card, a card that I rarely use. On XXXX XXXX, the thieves started using my debit card for withdrawals at various locations, and even went to the teller to withdraw {$8000.00}. I found out on the XXXX as I was getting ready for another deposit but the balance was not close to the number that I last remembered and so I went to Eagle National Bank XXXX XXXX XXXX XXXX ) to call to have the account frozen. The next day, they were still able to withdraw {$500.00} from the account and I called EN again to express my concern. The office claimed that I did not report anything until the XXXX which was incorrect and refuse to take any responsibility for the fraudulent charges. The person broke into my laptop and had access to my password files in which they even went online to change the primary and secondary contact information. EN claimed that they have called me regarding unusual activity regarding the account but I did n't receive any and my telephone bills has evidence of that. I have filed with the FTC, XXXX credit bureau, FBI, and police station regarding this case and the status is still pending. I have requested multiple claims with EN and they have denied the claims for the 2 times that we have appealed. I have also sent them a letter regarding the extra documents that they requested but have not heard from them since. I want this to be taken care ASAP because I have n't used a dime on this account and there was a fraudulent charge of over {$13000.00}.",,Consent provided,Web,2016-06-07,Closed with monetary relief,Yes,No,CR1954571,2767
2016-06-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-05,Closed with monetary relief,Yes,No,CR1954946,2536
2016-06-04,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-06-04,Closed with explanation,Yes,Yes,CR1952759,3481
2016-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-04,Closed with explanation,Yes,No,CR1954545,1031
2016-06-03,Bank account or service,Checking account,Using a debit or ATM card,,"I have a Eagle National Bank checking account. My available balance was {$2300.00} and my card was lost. Upon checking my Account online, I noticed some transactions I never made and immediately transferred my remaining balance of {$200.00} into my other account, so as to block cash access to whoever is fraudulently using my card ; and immediately called Eagle National Bank customer service. 
A claim was filled for XXXX unauthorized transactions on XXXX XXXX 2016, totaling {$2000.00} and my card was replaced. The representative then said i 'would ' be receiving a provisional credit for my claims in 48-72 hours. 
After 72 hours of the transactions posting, I did n't receive any credit. I called customer service and was told it was XXXX more pending transaction, and that all disputed transactions must post before credits apply. 
All the transactions have posted, and yet, nothing. I called again, and was told it a new account. I 've had my account for 2 months. That to me, is n't new anymore. 
All BofA did was charge me {$5.00} for card replacement, which made my account negative balance. 
Every time I call customer service or claims department, they all say different things at different times. It makes me wonder if there 's a play book for this or these bank 's reps are just allowed to say anything to customers, even with the fact that the calls are recorded!",,Consent provided,Web,2016-06-03,Closed with monetary relief,Yes,No,CR1953908,1693
2016-06-03,Bank account or service,Checking account,Using a debit or ATM card,,"XXXX committee an act of discrimination against XXXX, Stated that she did not see any transaction in the month of XXXX, then she did not complete the dispute according to the Terms and agreements of the Deposit. Bank statement shows XXXX transaction complaints, Filing an International Complaint against XXXX under the Mines and Minerals Act. Transferring XXXX to XXXX of XXXX for XXXX procedures, Under the Mines and minerals act. Eagle National Bankn states that the account was Forced closed on XXXX/XXXX/16, the transaction I wanted to dispute is the transaction on XXXX/XXXX/2016. XXXX an Eagle National Bank employee with no teller number refused to file a dispute when contacted on XXXX/XXXX/2016 at XXXX XXXX",Servicemember,Consent provided,Web,2016-06-03,Closed with explanation,Yes,No,CR1953088,879
2016-06-03,Credit card,,Other,,"In XXXX, 2016, I submitted complaints to both Eagle National Bank and XXXX about the fact that Eagle National Bank was not reporting the balance on my XXXX XXXX card correctly. 

Rather than fixing the real problem, all that Eagle National Bank has done to date is not report the card/account to XXXX. It has always been a credit account in good standing. At this point, this is causing me financial damage in that it is preventing me from obtaining better credit terms.",,Consent provided,Web,2016-06-03,Closed with explanation,Yes,No,CR1952880,3262
2016-06-03,Credit card,,Other fee,,"On Posting Date, XXXX XXXX, XXXX, {$.00} was removed from my account as a Bal/Adj/Small Balance Adj. - Transaction Date : XXXX - Card Type : XXXX - Transaction Type : Fee - Reference number XXXX. 
On Posting Date XXXX XXXX, XXXX, {$.00} was added to my account as a ATM Cash Advance Or Bank Transaction. Transaction Date : XXXX - Card Type : XXXX - Transaction Type : ATM Cash Advance or Bank Transaction - Offer ID : XXXX - Reference Number XXXX. 
On XXXX XXXX, XXXX @ XXXX I contacted XXXX in SC @ XXXX in regards to the {$.00} ATM Cash Advance transaction on XXXX. She informed me it was done in the dispute department and I was disconnected from the call. Then called XXXX and talked to XXXX in Tennessee. He informed me the {$.00} ATM Cash Advance Transaction was a general ledger adjustment for a fee adjustment rebill. He was not sure what the general ledger adjustment was for or why it appeared on my account. He checked with his supervisor and he was informed to transfer me to the Consumer Service Department. Per XXXX in XXXX, in the FIA Card Services Department he was not sure what the {$.00} Cash Advance Transaction was about and I ended the call. After spending 1 hour and 5 minutes on the phone with these 3 representatives not one of them was able to give me an explanation. 
On XXXX XXXX, XXXX at XXXX I contacted XXXX in Tennessee @ XXXX. 
Questioned him about the Small Balance Adjustment of {$.00} that was removed from my account on XXXX XXXX, XXXX. He could not tell me why the adjustment was removed but informed me he would issue me a {$.00} adjustment and the {$.00} would be returned to my account within 24 hours. As of today, XXXX XXXX, XXXX this {$.00} adjustment has not been returned to my account. 
Please give me an explanation as to why the {$.00} was removed from my account as a Bal/Adj/Small Balance Adj on XXXX, why the {$.00} was added to my account as a ATM Cash Advance Or Bank Transaction and why the {$.00} adjustment was not added to my account by XXXX/XXXX/XXXX by XXXX.as I was informed by XXXX in Tennessee.",,Consent provided,Web,2016-06-03,Closed with monetary relief,Yes,No,CR1950716,2150
2016-06-03,Credit card,,Customer service / Customer relations,,XXXX XXXX placed an inquiry on my XXXX credit bureau which needs to be removed It is lowering my credit score,Older American,Consent provided,Web,2016-06-03,Closed with explanation,Yes,No,CR1953021,1327
2016-06-03,Credit card,,APR or interest rate,,"I have XXXX with a XXXX to 5 years. I called Target Red Card services to lower my interest rate so I can get the balance paid off. I am no longer working and can only make minimum payments. I was told that I do not qualify to lower my interest rate even though I have a perfect record of on time payments. Further your customer service representative insulted me today on XXXX XXXX, 2016. I told her that no one can pay the balance should I pass away before it is paid and she said "" that is okay ''. I do n't want my family to be asked by the creditors to pay my debt, it is my responsibility. So it is not OKAY that I pass away and still owe you money.",Servicemember,Consent provided,Web,2016-06-03,Closed with explanation,Yes,Yes,CR1953261,1290
2016-06-03,Credit card,,Customer service / Customer relations,,Eagle National Bank placed XXXX inquiries on my XXXX credit report. This has caused my credit score to be lowered. They need to do soft inquiries,Older American,Consent provided,Web,2016-06-03,Closed with explanation,Yes,No,CR1953974,3260
2016-06-03,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-06-03,Closed with monetary relief,Yes,No,CR1954054,3745
2016-06-02,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank is at it again with their overdraft fees. I check on my account at least every other day. Sometimes I do not have access to a desktop and use my mobile banking to check balances and such. They have created a new trick which allows you to see your "" account balance '' on mobile devices but apparently it 's not a true balance. I.E : the statement page shows a balance of {$25.00} but at some point over the last 24 hours unbeknownest to the customer, a debit will have hit the bank ( I know that occasionaly my auto bills will come a day or XXXX early without warning ). Eagle National Bank hides this information on a page that is not available through mobile banking and even on the desktop is difficult to find. They then wait until they have extracted their {$35.00} fee to even send an alert giving the account holder no fair warning to be able to put funds in before the item causing the fee posts. I received an email at XXXX today, checked my account, showed an available balance of approx {$50.00} after the supposed insufficient item that triggered the fee but on their other page which is conveniently not readily available, it shows differently. This secondary tab also shows "" available balance history '' and "" statement balance ''. In other words, the balance that they give you ready access to through mobile and first sight on a desktop is completely different then what they claim your balance is. I.E : my available ending balance on the "" hidden tab '' is $ XXXX but my statement ( what I can see when checking in on my mobile device and the first screen on my website ) is {$51.00}. They deliberately hide your true balance, do n't send notifications warning of insufficient funds until the middle of the day after they have already hit you with a fee and do n't give you opportunity to get funds deposited before taking their fee ( e.g XXXX sends an immediate alert and gives you 24hrs to deposit funds before charging a fee ). I have lost over {$100.00} with this sneaky practice over the last year. I am pretty diligent about making sure money is there to cover bills but occasionally a company will post early without my knowledge creating this nightmare. If I had visibility to it when it happened and had a chance to deposit funds, there would never be an overdraft fee but as usual Eagle National Bank has found another way to steal money off their customers.",,Consent provided,Web,2016-06-02,Closed with monetary relief,Yes,No,CR1951829,3274
2016-06-02,Bank account or service,Other bank product/service,Deposits and withdrawals,,I received my tax refund check XX/XX/XXXX. My boyfriend and I both have Eagle National Bank accounts. I went to deposit my check in the ATM and inadvertently grabbed his debit card instead of mine. They both have the same PIN 's. The next day EN rejected the deposit because my name was not on his account. We called the XXXX number the following day and were promised that a legal copy of the check would be mailed to us and we would receive it in 3-5 days. Since then we have called EN numerous times and keep getting told that we will receive the check in 3-5 days and still have not received the legal copy of the check and it has been a month. EN is holding over {$6000.00} of my money that they will not let me have access to by not sending the legal copy of the check. We were supposed to take our kids on vacation this Sunday with the money but that wo n't be happening now since EN will not send me this copy of the check they have promised.,,Consent provided,Web,2016-06-02,Closed with explanation,Yes,No,CR1952410,654
2016-06-02,Bank account or service,Checking account,Deposits and withdrawals,,"My ATM card was stolen or lost. Someone was able to deposit stolen, fraudulent money orders into my account, then withdraw cash and take out money orders. When I called the bank after noticing this activity, Eagle National Bank assured me that this would not be my problem ( or my parents ', our accounts are linked ), but that they would investigate and cover the fraudulent activity. A few days later, the overdrafted amount in my account was taken out of my parents ' account. Eagle National Bank first said that I was sent fraud alert / transaction approval requests via phone call and text to my cellphone. I have the XXXX logs for my account and there are no calls from the number provided by Eagle National Bank. There are also no texts ; in fact, XXXX told me that I have a block on incoming texts of this nature. Eagle National Bank also said that I returned their call/text approving the transaction ( s ). There is no record of any outgoing call to the number they provided in my XXXX logs. When I informed Eagle National Bank of this, the story changed to the call approving the transaction ( s ) having been made from a third party. I asked for that number, and was told that Eagle National Bank would not provide it without a subpoena. I had the XXXX County, Georgia police department issue a subpoena. After waiting for a month for a reply, the police received a reply to the effect that Eagle National Bank had no record of any persons or accounts related to the subpoena. Eagle National Bank has also changed the times they provided for various phone calls and texts when I have spoken with them. I feel that they are lying or covering up for their error. They say that the person making the third party phone call provided either the last XXXX digits of my SSN or my zip code to authorize these transactions. First, there were XXXX different fraudulent withdrawals from my account, XXXX from an ATM, and XXXX money orders taken out at XXXX. Only XXXX authorization call/text was purportedly made. I am a XXXX with very little money. Eagle National Bank should have been highly suspicious when large amounts of money were going into and out of my account in a short amount of time. I have filed a police report. I have looked at the photos from the ATM transactions. I do not know this person. I do n't know how this fraud was perpetrated. I did not provide my PIN to anyone. Eagle National Bank is assuming me as guilty and expecting my parents to pay for this. I feel like Eagle National Bank is this huge organization that can say and do anything they like. They can change their story every time I talk with them. What can I do? I do n't have money to hire an attorney and go after them. I work hard for my money, XXXX and XXXX, and XXXX. I am trying to save for college so that I do n't have to be a burden on my parents. This is a real blow to my financial situation and my faith in humanity.",,Consent provided,Web,2016-06-02,Closed with explanation,Yes,No,CR1952324,2510
2016-06-02,Bank account or service,Checking account,Deposits and withdrawals,,"Someone accessed my account and tried to deposit XXXX checks in to my accounts. XXXX were tried to put in checking and XXXX in savings. Eagle National Bank allowed the person to withdrawal {$1500.00} from my savings account on the day it was put in the account and a transfer was tried for {$800.00} the same day. I filed a fraud claim and claim for my card being stolen, and they said I was the one who allowed someone to access my account which is false because they used a mobile app to deposit the checks. I have only used this method once over a year ago too deposit a paycheck from XXXX. They said the checks where deposited in XXXX but XXXX was deposited XXXX and XXXX XXXX. They will not send me my bank statement for the month of XXXX and they will not allow me to access the account.",,Consent provided,Web,2016-06-02,Closed with monetary relief,Yes,No,CR1951055,5072
2016-06-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,the Eagle National Bank locked my card for unusual activity ... ..i was unable as they stated to fix the issue online ... .so i called the number and was on hold for 30 minutes ... .the operator apologized for the wait and said they are going to be hiring more operators so people dont have to wait. I worked it out with him and he unfrozed the card. I used the card an hour later to order an ac unit that i very much need for health reasons. The card was declined because it was locked ... .i then once again got a text message on my phone that the card was locked for unusual charges! I am on hold again on the phone Eagle National Bank Security Alert Debit card ending in XXXX Unusual debit card activity detected ... XXXX ( 2 hours ago ) Eagle National Bank XXXX XXXXXXXXXXXX XXXX ; XXXX PM ( XXXX minutes ago ) after being on hold again for XXXX mins i was told by the operator that my card was opened and then closed an hour later ... .because it didnt recoginize a XXXX dollar charge to XXXX. as a result my charged was denied and an ac unit i needed here in ny importantly because i am XXXX would no longer be delivered to me on friday but instead have to wait till monday! in addition some guy discussed with me for almost 40 minutes to say if there is a XXXX dollar difference i could get that from the bank ... .it weighs XXXX pounds and what an insult to keep me on the line just to waste my time total phone time 2 hours and a health risk for a stupid bank system please do something!,,Consent provided,Web,2016-06-02,Closed with explanation,Yes,No,CR1950451,1647
2016-06-02,Credit card,,Unsolicited issuance of credit card,,"Eagle National Bank is forcing me to destroy my credit. I have contact Eagle National Bank multiple times now both through CFP and them directly about issues with my credit card and the payment and interest rates. Each time Eagle National Bank has denied me. Finally I closed the card in hopes that since I was no longer able to use the card Eagle National Bank would help me in making payment plans on the account. Once again I was denied with the only reason being Eagle National Bank feels I should be able to make a payment. The use a credit assessment that they have refused now multiple times to show me. In this you call in and they ask you on the spot to "" guess estimate your monthly payments for each item '' They also pull your credit to complete this assessment without your permission. Essentially they want you to over-estimate to show that you are piratically bankrupt in order to each any sort of finical reduction. I was told that "" you 've requested this before and you 've still made the monthly payment each month '' The are punishing you for not letting your account become deliquescent because then you have n't shown you are in enough of a hardship. I have explained to them multiple times my student loans are on a pay as you earn so if I get a raise at work my student loan payment increases. In addition even though they do n't request to pull your credit they use your credit report to dismiss claims you make. I have medical bills that I have a payment arrangement with the hospital to pay and I have a student loan through my university all of which do not show up on my credit report. Eagle National Bank said "" we do n't see this on your credit report so we have no way of verifying you actually have these payments '' Once again Eagle National Bank uses a system that does not require you to verify any of your income, does not require you properly determine your bills per a month, does not require you to send in any documentation of payments that do n't show on your credit report, and they use a credit report you do n't authorize them access to. After speaking with Eagle National Bank today ( XXXX/XXXX/2016 ) I asked for their legal offices address to send documentation to and they refused. I request the credit assessment sheet they used and they refused to give it to me. I request for the account to be forced sent to a collection agency who I could work with about payment plans. They refused. Eagle National Bank is forcing me to either make a payment ( which I have already informed them I do not have the means to do so ) or to let my account become delinquent have it reported on my credit report and destroy my credit. They are forcing me to continue to bank with them even though I have begged multiple times to be released. Eagle National Bank is creating an extremely hostile environment. They are causing me XXXX and XXXX which are only increasing my medical bills and putting me into more finical hardship. 
",,Consent provided,Web,2016-06-02,Closed with explanation,Yes,Yes,CR1949209,2904
2016-06-02,Credit card,,Billing disputes,,"I disagree with Eagle National Bank ' ( EN ) s process and decision in reversing my credit transaction of {$320.00} and ruling in favor of XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, OR XXXX TEL. XXXX. I believed this decision was made in violation of my Fair Credit Billing Act and other applicable consumer legislation for the following reasons. 
On XXXX/XXXX/2016 at XXXX XXXX, I thought I was purchasing crushed gravels for which I paid {$320.00} ( see Exhibit 1 ). Upon delivery, I discovered the stones were mostly covered in mud and sand. The delivery driver asked me to sign another receipt for {$270.00} on XXXX letterhead. ( see Exhibit 2 ) .When I asked the reasons of the cost discrepancy, he told me that I needed to inquire further in the office with a gentleman called XXXX XXXX 
On XXXX/XXXX/2016 at XXXX XXXX, I arrived on the same day to talk to XXXX and was asked to leave the premises based on my complaint of the billing discrepancy and quality of goods received. XXXX refused to get the defective merchandise back and refused to issue any credit back. He also refused to explain the cost discrepancy. My credit card transaction finally was cleared for {$320.00} and I immediately claimed a dispute. 
On XXXX/XXXX/XXXX, I received a temporary credit from Eagle National Bank for the {$320.00} pending investigation ( see Exhibit 3 ). 
On XXXX/XXXX/2016, Eagle National Bank followed up and confirmed that "" Your service inquiry has been resolved '' ( see Exhibit 4 ). Please note that between XXXX/XXXX/2016 to XXXX/XXXX/2016, more than one month and a half, I received no investigatory inquiry. I wonder if XXXX was sent to XXXX XXXX and what was the timeframe provided to them for their response. 
On a letter dated XXXX/XXXX/2016, shipped by EN on XXXX/XXXX/2016, EN reopened my claim which was deemed resolved ( assigning a new claim number ), asked a series of XXXX questions including obtaining a second opinion from an expert in the field on the merchandise ( see Exhibit 5 ), in this case, mud and stones which have been under the weather and have been removed from the property for months. This was the XXXX XXXX weekend. All the information requested by EN was due back on XXXX/XXXX/2016. 
On XXXX/XXXX/2016, I did fax timely EN a letter ( see Exhibit 6 ) and the discrepancy on the XXXX receipts by EN and this information was merely ignored. 
On XXXX/XXXX/2016, a decision was made unilaterally by EN stating "" We did n't receive documentation stating what you were supposed to receive and how it was different from what you received ''. ( see Exhibit 7 ) I believe my response was ignored because on the same day EN made their final decision reversing the {$320.00} and ruled in favor of XXXX XXXX without sending my response allowing their response in a fair and dialectic due process. 
EN 's process suffers from multiple issues related to their process. In addition, my billing error related to the discrepancy between XXXX different receipts on the same product has never been addressed. I was not afforded the time reasonably necessary once the case was reopened. The claim was not fairly investigated and unrealistic and unreasonable burdens were put on the consumer to provide information.",,Consent provided,Web,2016-06-02,Closed with monetary relief,Yes,No,CR1950777,1821
2016-06-02,Credit card,,APR or interest rate,,"For the past four years, I have requested a lower interest rate from Target Card Services in order to minimize the overbearing finance charges imposed on my account. Since XX/XX/XXXX, I have diligently been trying to get assistance from their guest services as I contacted them via telephone but was unsuccessful in my negotiations. In XX/XX/XXXX, I submitted a written letter ( attached ) and was informed the company does not participate in these type of requests. In XX/XX/XXXX, I attempted asking again via telephone, and was told a canned response that was not helpful to my situation. XX/XX/XXXX, I came across a general note in my online account indicating to submit updated information to determine if I could qualify for an interest rate reduction. I submitted my information a month later and never received a response. I have attempted making on-time payments each month, nevertheless ; I may have been late once in a XXXX month cycle as it still should not preclude me from attaining a better interest rate. I have never been with a credit card company that does not fairly negotiate with their customers. At the rate I am going, it makes the process more difficult to payoff the remaining balance considering other debt taken into account. Therefore, I would greatly appreciate your assistance in resolving this matter.",,Consent provided,Web,2016-06-02,Closed with explanation,Yes,No,CR1952185,2955
2016-06-02,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-06-02,Closed with explanation,Yes,No,CR1949159,27
2016-06-02,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2016-06-02,Closed with explanation,Yes,No,CR1951075,2099
2016-06-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-06,Closed with explanation,Yes,No,CR1952299,3161
2016-06-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-02,Closed with explanation,Yes,No,CR1949220,11329
2016-06-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-06-02,Closed with explanation,Yes,No,CR1950880,4187
2016-06-01,Bank account or service,Checking account,Problems caused by my funds being low,,"I previously worked for Eagle National Bank for a little over 6 years ' total. During that time, I also used the bank as my primary depository institution. After voluntarily departing from the bank XX/XX/XXXX I continued using the accounts out of convenience. I had/have a total of XXXX accounts, XXXX checking and XXXX savings. In order to avoid a monthly service charge for the savings account without maintaining a minimum {$2000.00} in each account I had to set up auto-transfers from the checking to each of the savings. This was done easily while working at the bank and setting up the payments to coincide with paydays - every 2 weeks. When I left, and began with another company my paydays changed to semi-monthly. Still, the transfers continued and I never had a problem with overdrafting my account at any time. On XXXX/XXXX/XXXX, I logged in to check the account since I had began using another institution for my daily spending and only using EN for bill paying - I noticed that I had incurred overdraft charges the prior week. When I traced the reason why the account had been overdrafted, it was due solely because of the auto-transfers from the checking to each of the savings accounts. My thought was that I would contact the bank and let them know of the error so that it could be corrected - after all, the funds were not 'absent ' it was just a matter of funds going into XXXX account when it should have been held - and I do not overdraw my account, nor was I ever notified via mail and/or email of the problem. When I contacted the bank, the representative stated that she had to 'check ' to see if I was eligible for a refund of the overdraft fee. She placed me on hold and came back on the line and informed that I was not eligible. I asked her why and what was the determining factor? She said that she was unable to tell and that the 'system ' has a formula for this but either would not or could not explain it to me. Now, this was literally XXXX overdraft fee..not multiple..not spending money that I did n't have. The funds were 100 % within the bank - and they charged me a fee for money they benefited from. Furthermore, I had no prior knowledge of this policy nor any notification afterward that this had occurred. I am now in the process of removing all of my funds from this account - a lengthy process since I have had this account for almost 15 years. What a disappointment.",,Consent provided,Web,2016-06-01,Closed with monetary relief,Yes,No,CR1947278,4384
2016-06-01,Bank account or service,Checking account,Using a debit or ATM card,,"I used my Eagle National Bank debit card to purchase a hotel stay in XXXX 2013. There were major issues when I got there and my method of booking ( through a third-party called XXXX ) prevented me from getting immediately refunded. I started a dispute with EN and they sided with me. It was an exhausting process so I closed my bank account. I ran a XXXX report recently and there 's a negative report from Eagle National Bank for over {$600.00}. I never received any communication from EN that they changed their position on the dispute, never received any collection notices or phone calls, or emails informing me of any debt. I feel as though the dispute was closed and I should not be held responsible for the transaction as originally stated by the bank.",,Consent provided,Web,2016-06-01,Closed with explanation,Yes,No,CR1950469,6422
2016-06-01,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,"I XXXX XXXX XXXX is disputing inaccurate information on an previous account with Eagle National Bank. I had the account bank in 2012 but I did n't attempt to transact with an account in any way. I had my Identity stolen from me at that time. I reported Identity Theft to all. Please help Contributor : Eagle National Bank Contribution Ref # : XXXX Bank Routing # XXXX Account # XXXX",,Consent provided,Web,2016-06-01,Closed with explanation,Yes,No,CR1949593,2623
2016-06-01,Bank account or service,Checking account,"Account opening, closing, or management",,"Ten years ago my father died. I responded to all of the never ending paperwork requests from EN and submitted everything they ask to receive in order to remove him from my mother 's bank accounts. This week they send condolences on his passing. They want me to start submitting everything all over again, because they never removed his name from the account. I told them that they did. All of the statements now only have my mother 's name on them. They still want the documents. They want everything resubmitted because ten years ago they were not centralized Their inefficiencies are not my problem. They should adjust their records, which they refuse to do unless I go back and find the same documents that they already have from ten years ago. I have to say I was so upset I finally hung up on them.",Older American,Consent provided,Web,2016-06-03,Closed with explanation,Yes,No,CR1950048,13924
2016-06-01,Credit card,,Closing/Cancelling account,,"Eagle National Bank unjustly closed my account. I was responsible for the balance and was in good standing with the bank. It was a guarantee placed by the bank that once my balance was paid off, my account would be open and in good standing. This was a bait and switch and closed my account IMMEDIATELY after i paid over XXXX off. They are also not reporting to any consumer agencies ( XXXX, XXXX, XXXX ). By law, this positive information needs to stay on file, for 10 years, even if the account is closed. They need to reopen my account and also report my positive credit report history. I will make sure CFPB publishes this experience, I will also open additional complaints with appropriate agencies such as the FTC and attorney generals office and contribute to the ongoing investigation XXXX is carrying out with Eagle National Bank 's abusive service practices, specific to their bait and switch operation in luring a customer to pay off full balance at once and close the account. Eagle National Bank continues to attempt to derail my efforts anytime I call in. 
",Servicemember,Consent provided,Web,2016-06-01,Closed with explanation,Yes,Yes,CR1949348,1543
2016-06-01,Credit card,,Other fee,,"I was sold a Privacy Assist product from Eagle National Bank. Upon a recent review of my account statement, I was still being billed. A quick internet search found that Eagle National Bank had been fined for these practices and products. Per the CFPB website : "" Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPB has the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Eagle National Bank ended the marketing and sales of credit protection products in XXXX XXXX, canceled all existing accounts as of XXXX XXXX, and provided six months of no-cost coverage to consumers enrolled as of XXXX XXXX. Eagle National Bank stopped marketing the identity protection products in approximately XXXX XXXX. '' I had to call Eagle National Bank to get them to stop. The agent that serviced my card was "" unable to assist '' and attempted to transfer me to a different entity that would do so. That transfer failed. I found the correct service number and was able to cease service, however the agent had no knowledge of any prior action against Eagle National Bank and informed me that a charge may still appear on my bill for XXXX XXXX. 
As a side note, while online with Eagle National Bank, they offered a credit tracking service at no fee. Why is the company offering me a free product, while charging me for the same service at the same time?",,Consent provided,Web,2016-06-01,Closed with explanation,Yes,No,CR1949175,4721
2016-06-01,Bank account or service,Checking account,"Account opening, closing, or management",,"On Saturday, XXXX XXXX, 2016 we closed our EN checking account because EN started charging a {$24.00} fee. We were not informed and was never charged a fee before. On XXXX XXXX, 2016 I received an email from Eagle National Bank that the biweekly transfer of {$340.00} will be completed in three business days. So we went into the XXXX EN branch and they assured us that the transfer will not happen, that the transfer was turned off in the EN system. Well on XXXX XXXX, 2016 EN withdrew {$340.00} from our XXXX checking account causing our XXXX account to be over drawn. 
On XXXX XXXX, 2016 I just got another email from Eagle National Bank that another transfer in the amount of {$340.00} will occur on XXXX XXXX, 2016. EN will now have {$690.00} of our money that we need for paying bills. This is outrageous. We have had so many problems with this bank, they should be fined for all the money they have taken from our account. Where is our money. Why does EN not realize that our account is closed. By the end of this week we will be out {$700.00}.",,Consent provided,Web,2016-06-03,Closed with non-monetary relief,Yes,No,CR1947985,2231
2016-06-01,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-06-01,Closed with explanation,Yes,Yes,CR1950456,439
2016-06-01,Credit card,,Credit determination,,,,Consent not provided,Web,2016-06-01,Closed with explanation,Yes,No,CR1949259,3870
2016-06-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Servicemember,Consent not provided,Web,2016-06-01,Closed with explanation,Yes,Yes,CR1949280,806
2016-06-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-06-01,Closed with monetary relief,Yes,No,CR1949619,12417
2016-05-31,Credit card,,Identity theft / Fraud / Embezzlement,,I 've credited with Eagle National Bank. I lost my credit cards and also report to the bank and requested a new cards but never receive a new cards in mail. Recently I check my bank using online mobile app and it shown unnoticed balance as well with tremendous interest charge which I have no clue about.,,Consent provided,Web,2016-06-02,Closed with explanation,Yes,No,CR1946992,4017
2016-05-31,Credit card,,Billing disputes,,"I filed a dispute for a charge on my credit card with Eagle National Bank on XXXX XXXX, 2016 for a charge dated XXXX/XXXX/16 for {$280.00} from XXXX XXXX XXXX. I stayed at XXXX XXXX XXXX the previous week but used a different card. I gave this card for charges for "" incidentals '' of which there was none. When I checked out, I was not informed of any charge and when I called the hotel, they could not tell me what the charge was for. as of today ( XXXX/XXXX/16 ), Eagle National Bank has not given me temporary credit for the charge, which they are required to do after 10 business days, which was XXXX XXXX, 2016. When I call Eagle National Bank, they tell me that the temporary credit will be given that day, but it never is. I have called on XXXX different occasions. I just want them to comply with the Electronic Funds Transfer Act ( Regulation E ) and give me my temporary credit.",,Consent provided,Web,2016-05-31,Closed with monetary relief,Yes,No,CR1948096,4102
2016-05-31,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-05-31,Closed with explanation,Yes,Yes,CR1946627,38
2016-05-31,Credit card,,Other,,,,Consent not provided,Web,2016-06-22,Closed with explanation,Yes,No,CR1946894,4009
2016-05-31,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-05-31,Closed with explanation,Yes,Yes,CR1948092,2299
2016-05-31,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-06-01,Closed with explanation,Yes,No,CR1947947,1486
2016-05-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-31,Closed with explanation,Yes,No,CR1947263,2891
2016-05-31,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Other,Web,2016-06-02,Closed with explanation,Yes,No,CR1948239,2157
2016-05-30,Bank account or service,Checking account,Using a debit or ATM card,,I had XXXX XX/XX/2016. I believe I lost my wallet either on the day of at the hospital or later when I was unable to take care of myself. I did n't realize it was missing untill around XX/XX/XXXX or XX/XX/XXXX. I called the police and notified my bank. Eagle National Bank had already frozen my accounts. I filed a claim with I 'd theft.gov got my credit report and followed appropriate steps to prove that my cards were stolen. I even wrote down the location of the arms so police could see whoever was responsible on camera. The Eagle National Bank risk management was beyond rude closed my accounts for no reason other than they told me it looked like the same person using the atm that had used it prior to date my card had been taken. That is a complete and otter lie on their part. My card and checks were used out of state even. Just having XXXX no way I could have done all these transactions. I prepared all this documentation mailed it to an address they provided me only for them to tell me they found it best to consider the charges mine and close my account. I am XXXX and have no way of paying all the charges of someone who stole my identity. Now I feel as if I have been victimized by the person who took my wallet and Eagle National Bank. No protection from them at all when that is exactly what theg claim. XXXX XXXX,,Consent provided,Web,2016-06-02,Closed with explanation,Yes,No,CR1946606,6499
2016-05-30,Credit card,,Billing disputes,,i prochisted XXXX transactions XXXX XXXX XXXX NY XXXX XXXX XXXX ACH CREDIT BALANCE REF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX. on XX/XX/XXXX i paid everything before i left the country now they are accusing me for late fees,,Consent provided,Web,2016-05-30,Closed with monetary relief,Yes,No,CR1946659,1550
2016-05-30,Credit card,,Customer service / Customer relations,,"My mom is XXXX years old. She 's always on time but this month she did n't pay her bill on time, she paid 5 days late. Her mind has been preoccupied with the health of XXXX of my uncle ' that are XXXX. She 's having a hard time accepting the late fee. When she called them they said she had to pay. That it rightfully due. My mom became really upset. She does n't understand why they wo n't refund her account as a courtesy. She was n't happy by the supervisors attitude. Especially because she has had bad customer service experience with this bank. She 's never had a problem with other banks.",,Consent provided,Web,2016-06-02,Closed with monetary relief,Yes,No,CR1946680,1895
2016-05-30,Credit card,,Billing disputes,,"On XXXX XXXX, I rented a car at XXXX ( XXXX ) in XXXX . I checked out the car with my Eagle National Bank Spirit Airlines XXXX in which a {$350.00} hold was held and I was informed that the rental would cost me {$120.00}. We observed and noted the existing damages as is typical in the U.S. On return of the car on XXXX/XXXX/16, there was only one man present who checked the car in. He examined the car and noted the gas guage was full. He said everything was ok. I asked him could I use my XXXX debit/credit card connected to my checking account instead of the XXXX. He gave me a receipt for {$120.00} which I thought released the XXXX charge. I also signed a receipt which I agreed to pay with my checking account card. Unfortunately, after I got home I realized I had been billed twice. I immediately tried to contact the car company through email and by phone. This proved unsuccessful and I wrote Eagle National Bank that I could not get a resolution through the XXXX. There appeared to be a language barrier and trying to call them cost {$1.00} per minute. I also filed an online request with the XXXX in the United States. Initially, the Eagle National Bank reversed the charge. To my shock, I received a letter on XXXX/XXXX/16 stating that an investigation was conducted and that a customer service representative at XXXX for XXXX reported that I had agreed to pay for damage to the car. They sent a letter stating that they had explained to me when I returned the car that there was a small scratch on the car and that I actually used my debit card for {$120.00} to pay for this scratch. I immediately sent a rebuttal to the Eagle National Bank. I asked the Eagle National Bank to investigate because I did not sign a document stating that {$120.00} represented payment for a scratch. I asked them to investigate about the proper procedure that a company must follow to assert damage. I do n't have any reports or bill from a car repair company. I want to know who came to the conclusion that a scratch costs {$120.00}. If I owe XXXX anything, it is the difference between {$120.00} and {$120.00} which is XXXX cents. In the meantime, I have not been able to get a resolution through the XXXX company. I contacted Eagle National Bank on XXXX/XXXX/16 and requested that the case is reopened on my email response and letter of rebuttal. I called them on XXXX/XXXX/16 and was advised that no one had begun the investigation. I then received a email dated XXXX/XXXX/16 stating that they re-examined my recent inquiry from XXXX and are unableto obtain credit of {$120.00}. I realize the car rental is {$120.00}. I authorized payment for the rental from my XXXX debit, not for the XXXX. How can a company allege damages after I have left the ticket counter? We did not review the check out paper to compare reported scratches and existing damage when I returned the car. The person cleared me after XXXX minutes. If I had not asked about using another form of payment, I would not be experiencing this problem. The ticket person prepared the receipt for {$120.00}. Eagle National Bank has not conducted a more thorough review and is ignoring that I dispute the information which was sent to them. They state by giving my accounts I authorized the company to bill my account for the amount in question. I was advised by my credit union card that a rebuttal meant that the Bank would have to follow a more thorough process to get the facts such as getting information on the proper procedures to allege damage, that the Eagle National Bank would have to request more specific documentation, etc. and I would have a right to request arbitration. I 'm being dismissed and the XXXX is being dishonest. They refuse to answer questions about their loss damage procedures. XXXX is not asking.",,Consent provided,Web,2016-06-10,Closed with non-monetary relief,Yes,No,CR1946672,12986
2016-05-30,Credit card,,Billing disputes,,"I filed a complaint ( # XXXX ) regarding Nordstrom Credit cards because I was unable to change the auto pay feature either online or over the phone and I wanted to reduce the automatic amount from the full statement amount to a lesser amount ( {$1000.00} ). After XXXX or XXXX phone calls and filing a complaint with CFPB I was assured by multiple Nordstrom representatives on the phone AND in XXXX LETTERS that they would deduct {$1000.00} from my checking account on XXXX XXXX. XXXX of the letters from Nordstrom Rep XXXX XXXX acknowledges that the problem was with Nordstrom, and explicitly states that they were going to deduct {$1000.00} from my checking account on XXXX XXXX. The checking account listed on my Nordstrom card account is the same one that has been listed for several years and was the same XXXX Nordstrom used for auto pay from XXXX XXXX through XXXX XXXX. They posted the payment on XXXX XXXX, but never sent the request to my bank account AND NOW THE ACCOUNT IS LISTED AS OVERDUE. I have now made ANOTHER payment online of {$1000.00} BUT I HAVE NO IDEA IF THEY ARE GOING TO HONOR THE PAYMENT OR NOT ( conf # XXXX ). If this screws up my credit, can I sue Nordstrom?",Older American,Consent provided,Web,2016-05-30,Closed with monetary relief,Yes,No,CR1946410,11676
2016-05-30,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-05-30,Closed with monetary relief,Yes,No,CR1946552,4176
2016-05-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I was talked into opening a bank account af after declining several times. The rep stated that if I opened a checking account I would receive a safe deposit box for as long as I had my checking account. I received a notice several days ago that next month I would need to pay for the box. 
They never said why, they just sent me a bill. I went into the branch and closed my account because it was unfair to do this. Bof A just decided all of sudden to discontinue the benefit and then charged me for the safe deposit box. I feel that this is unfair practices and they should be held accountable. If I received this, I should have been told that BofA could cancel it at any time. How do they have the authority to take things away from people and change things at a moments notice. If there is anything that can be done or any other agency that I can file a complaint with, please let me know. 
I feel this is very unfair to those who received this promotion. It is quite disturbing how the reps pressure the customer and tell them anything to get them to sign up, then once the customer has signed up to fulfill the purpose of BofA or satisfy their needs then it is taken away or they change the rules again when BofA want to benefit from the customer again. This is unfair.",,Consent provided,Web,2016-05-29,Closed with explanation,Yes,No,CR1946478,3082
2016-05-29,Bank account or service,Other bank product/service,Using a debit or ATM card,,"Subject : I used Eagle National Bank Debit Card to purchase some items from XXXX. I returned the items due to unsatisfied quality to XXXX. XXXX returned my money to my debit card but Eagle National Bank is not returning my money to bank account. 
Eagle National Bank Claim ID : XXXX Sir/Madam, I had purchased a tread mill and an equipment mat from XXXX on XXXX XXXX XXXX ( Order # XXXX ). But I was not satisfied with the items, so returned the items to XXXX. XXXX received the returned items on XXXX XXXX, XXXX and XXXX XXXX, XXXX. But I did n't get that money back till now. 
At the time of purchasing the items I used my old debit card ( Ending in XXXX ) but after some days Eagle National Bank closed that debit card and issued a new card ( Ending in XXXX ). 
I called XXXX customer care several times that I did n't get my money back. They responded that, XXXX already returned the amount ( {$500.00} ) on my old debit card ( Ending in XXXX ). But I did n't see that returned money in my bank account. 
So I called Eagle National Bank Claim services to create a dispute claim regarding this transaction. They created a dispute claim ( Claim ID : XXXX ). On that time ( XXXX/XXXX/XXXX ) Eagle National Bank credited the transaction amount ( {$500.00} ) in my account on temporary basis. But on XXXX/XXXX/XXXX Eagle National Bank debited the Transaction amount from my bank account and change the claim status as resolved, though I have provided all the proofs regarding the return. 
So Sir/Madam, I am getting harassment from Eagle National Bank by delaying the process and taking time to return my money back. I hope you understand my situation and please return the money back. 
Note : I am attaching the bellow documents again. 
1. XXXX screen shot with return items and return dates. 
2. Freight receipt of XXXX for returning equipment mat. 
3. Freight receipt of XXXX for returning tread mill. 


Regards XXXX XXXX XXXX",,Consent provided,Web,2016-05-29,Closed with monetary relief,Yes,No,CR1946358,4077
2016-05-29,Credit card,,Other,,"There is a Eagle National Bank credit card history being reported to the Credit Bureaus, but it does not belong to me. It is impossible to try and address any complicated matter with Eagle National Bank because their customer service is so inefficient and time-consuming. 

I know nothing about this credit card that apparently was opened in XXXX/XXXX/XXXX, closed on XXXX/XXXX/XXXX, but oddly, there is a date of last payment showing as XXXX/XXXX/XXXX. It is a negative report, and I want Eagle National Bank to stop reporting this inaccurate information, and to inform the Credit Bureaus -- XXXX and XXXX -- to permanently remove these inaccurate data. Also, please inform XXXX if EN reports to them. If EN believes this account belongs to me, then they need to provide substantiate this with evidence ; I have a Eagle National Bank checking account that was opened in XXXX in XXXX. 

Note : I see in my XXXX report that the Eagle National Bank address cited is from XXXX XXXX, XXXX. I have never lived in Texas. Just recently I had an account removed from my XXXX Credit Report that was not mine -- it had the name XXXX XXXX associated with it ( mistakenly under my Social Security number ) and there is an address showing in the XXXX report that has an XXXX, XXXX address with a XXXX date on it. Maybe all this information is connected to one or more other people. Please check everything. 

Whoever this EN credit card account belongs to, I do n't believe it is even supposed to be reported at this late date, given statutes of limitation. 
",,Consent provided,Web,2016-05-29,Closed with explanation,Yes,Yes,CR1946334,3522
2016-05-29,Bank account or service,Checking account,"Account opening, closing, or management",,"States that my funds availability would be on the next day, my funds were n't released and a representative stated that I would receive a {$100.00} until the check clears. Called in the next day and a manager stated that 's not the case.",,Consent provided,Web,2016-05-29,Closed with explanation,Yes,No,CR1946514,3094
2016-05-29,Credit card,,Advertising and marketing,,,,Consent not provided,Web,2016-05-29,Closed with explanation,Yes,Yes,CR1946513,1307
2016-05-29,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-07-19,Closed with explanation,Yes,No,CR1946367,4125
2016-05-28,Bank account or service,Checking account,"Account opening, closing, or management",,"My father passed away and had a Eagle National Bank Checking and Savings account that was "" POD '' payable on death for myself and my sister. I went to the Eagle National Bank Branch at XXXX XXXX XXXX XXXX in XXXX and give them a copy of the death certificate and the last bank statement. The person there said "" we will contact you by mail. 2 weeks past and I did not get anything in the mail. I went back to the branch and asked when I am going to be contacted? They said they did not know and said "" to wait longer. '' They also refused to give me any current information about the account, such as balance etc. I asked where the people are who are going to contact me and they said "" they did not know. maybe in Texas or XXXX XXXX ... '' Another week went by and I went back to the branch. They gave me a phone number and a "" reference number. '' I called it and was switched to a stock broker at XXXX XXXX named XXXX XXXX. There was a investment account associated with the checking and savings account, however I was previously told by Eagle National Bank staff that : "" the checking and saving account POD only applied to those accounts and not the brokerage account. I still have not gotten my share of the balance from the checking and savings account. Eagle National Bank has yet to "" contact me by mail. '' I can not get any documents relating what was set-up by my father, or the relationship of the Eagle National Bank accounts, the Merrill Lynch account, Another bank where my father had an account paid the POD account within 5 days of the presentation of the death certificate. Eagle National Bank has deliberately delayed paying the POD savings and bank accounts, and has had conflicting information on the accounts and the processing of my request. This involves both a checking and savings account at B of A.",,Consent provided,Web,2016-05-28,Closed with explanation,Yes,No,CR1946085,3408
2016-05-28,Credit card,,Identity theft / Fraud / Embezzlement,,"I applied for a home mortgage recently to find out a fraud Credit Inquiry from Eagle National Bank USA/TARGET C on XXXX/XXXX/2016,. this pul effects my score, i contacted XXXX and they advised i needed to contact the creditor directly. I did so just to be told it needs to be disputed through XXXX. NO help on either end and NO way to dospute, Would like Inquiry removed ASAP",,Consent provided,Web,2016-05-28,Closed with explanation,Yes,No,CR1946178,3317
2016-05-28,Credit card,,Other,,,,Consent not provided,Web,2016-05-28,Closed with monetary relief,Yes,No,CR1944823,481
2016-05-27,Bank account or service,Checking account,Deposits and withdrawals,,"A Draft from a XXXX bank made payable to my mother AND myself was deposited into a Eagle National Bank checking account XXXX with only my mother and XXXX of my siblings, all in VA, as account holders. My name was NOT on the account. My mother who had XXXX XXXX and was non-functional for XXXX4 years prior to her death, died on XXXX XXXX, 2014, the check was deposited XXXX XXXX, 2014, 2 days after her death. I secured a copy of the processed check from the issuing bank as proof that it was deposited without neither my mother 's endorsement nor mine. I have tried for over a year to negotiate with my XXXX XXXX siblings to settle matters but finally I had to contract an ATTY to try to recover the funds but because the funds are in an account with only their names they are in control of distribution, leaving me without much recourse via my ATTY. If EN had not accepted the draft without endorsement, I would not be in the present situation. According to my online legal research, there are many cases of similar instances, all indicating that a check made payable to parties using "" AND '' should be signed by everybody named on the payee line. I went to XXXX different EN branches in my area, XXXX, to try to obtain information but they stated they could not help because my name was not on the account in question. They did tell me the account was closed on XXXX. So now, I have no idea where my funds are. I contacted the XXXX XXXX XXXX questioning the legality of depositing a check under these circumstances, they did not directly reply but I did get a call from a EN consumer advocate from the XXXX XXXX XXXX XXXX office who was assigned to investigate my question regarding the deposit. She stated she would call me back to obtain details to investigate the issue, but not hearing back from her I called several times in the past two weeks but had to leave her a voice message. My ATTY now has informed me that my XXXX XXXX siblings are distributing the money according to their decisions in the next week or so. I am contacting you in hopes that you can help me since this has been going on for over a year, I have tried the friendly familiar way, the ATTY way, working with EN directly, and nothing is resolving the issue. The sibling involved in depositing the check has been in the banking industry for over 20 years, and has worked for EN XXXX with friends in several EN branches. He intentionally deposited the check while I was out of the country in XXXX. My complaint against EN is that the check should have never been accepted for deposit without my endorsement, and they should now be liable to reimburse me the full amount of the original check, and maybe ATTY fees for all my stress and time for over a year. I believe some action is in order against all involved in the deposit of the check which appears to have been a "" friendly '' transaction. Please call me if would like clarification or have questions. 
",,Consent provided,Web,2016-05-27,Closed with explanation,Yes,Yes,CR1945330,1036
2016-05-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I asked yesterday for Eagle National Bank ML to make payments to XXXX credit cards ( XXXX and XXXX ) for {$500.00}. They show as being process in my on-line bill pay system on XX/XX/XXXX and yet they do n't show up on XX/XX/XXXX in either my account balance or account history. As such, these payments are not accurate reflecting my account balance and may over draft my account nor are they showing up as pending. I have overdraft protection but this payment to a bank card within a bank system is extremely misleading. Eagle National Bank requests that customers use on line bill pay for services and ease of balance tracking. Please advise as to how BAML will create a system that accurately reflects all transactions made with bill pay and are accurately reflected in account history and pending transactions.",,Consent provided,Web,2016-05-27,Closed with explanation,Yes,No,CR1945065,3356
2016-05-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-28,Closed with explanation,Yes,Yes,CR1945611,875
2016-05-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-05-27,Closed with monetary relief,Yes,No,CR1944640,2590
2016-05-26,Credit card,,Credit line increase/decrease,,"I deposited XXXX into a college fund for my son. The college fund comes with a credit card The card was a "" XXXX XXXX '' XXXX College Rewards - American Express. 
With XXXX or 2 % cash back deposit into the XXXX plan. 
The card was tied to XXXX XXXX XXXX which can be accessed via XXXX The service was horrible. There was no bills, there was no way to pay the bill except by mailing a check to a very hard to find address. 
Lately the card management passed to XXXX. After this, they started charging extra fees, and reporting me for missed payments with out notifying me that their policy regarding missed payments changed. Prior to this I would make payments at my leisure every XXXX to two months. 
Lately they demoted my credit from XXXX to XXXX. I am pretty sure that they dropped my credit score by at least XXXX points. Never get XXXX XXXX.",,Consent provided,Web,2016-06-01,Closed with explanation,Yes,No,CR1942701,12738
2016-05-26,Credit card,,Billing disputes,,"In XXXX 2015 I cancelled services under the terms of their contract with XXXX XXXX XXXX. I received a confirmation number XXXX XXXX.They continued to charge my credit card despite repeated complaints. I disputed the charges with BankAmericard for over a year every month. Eventually BankAmericard informed me I could send them the email I had from XXXX confirming the cancellation and they would no longer accept the charges. I sent that information in months ago and BankAmericard has still been accepting these fraudulent charges which continue to be submitted fraudulently by XXXX. I attempted to dispute these charges at my BankAmericard account online tonight and got a reply that I had no charges eligible for dispute, which is incorrect. I complied with every request from BankAmericard to supply the documentation they needed to stop accepting these charges to no avail. Tonight I cancelled this card as the only option left. I would like to be reimbursed for the XXXX charges I have not been recredited for yet. I would like XXXX to be prosecuted for fraud and BankAmericard to be held accountable for their role in facilitating this fraud.",,Consent provided,Web,2016-05-26,Closed with monetary relief,Yes,No,CR1942483,2828
2016-05-26,Credit card,,Billing disputes,,"Since around XXXX, I 've held a Eagle National Bank credit card. On XXXX XXXX, XXXX. I presented it in a branch in the XXXX area. I explained that I wanted to payoff and close the account. They gave me the payoff number ( {$1200.00} ). I wrote them a check, which cleared the next day, for that amount. They said I had to actually close the account over the phone, I verified with the staff that if I completed these steps, the process would be complete, and I would n't have to do, or pay, anything else. I called their call center the next day and closed the account. I verified with the CSR who closed the account for me that I would n't have to do, or pay, anything else. 

On XXXX/XXXX/XXXX, I got an email with a new statement. I checked it to ensure I did n't have to do anything else, and that the balance was {$0.00}. It was n't. EN had charged me {$23.00} further interest. 

This is unacceptable. I paid off the account, closed it, verified twice that the process was complete, and they still charged me interest against a closed account. If they 'd have told me when I wrote them the payoff check that it 'd have been another {$23.00}, I 'd have paid it. They did n't. 

As we agreed, I consider this account closed, and I do not owe them an additional {$23.00}. Please help me have this debt removed from my account, and from my general record.",,Consent provided,Web,2016-05-26,Closed with monetary relief,Yes,No,CR1944352,4223
2016-05-26,Credit card,,Other,,,,Consent not provided,Web,2016-05-26,Closed with explanation,Yes,No,CR1943734,2101
2016-05-26,Credit card,,Cash advance,,,,Consent not provided,Web,2016-05-26,Closed with monetary relief,Yes,No,CR1943572,1456
2016-05-26,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-05-26,Closed with explanation,Yes,No,CR1942808,1782
2016-05-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-26,Closed with non-monetary relief,Yes,No,CR1941504,1419
2016-05-26,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-05-26,Closed with explanation,Yes,No,CR1943188,546
2016-05-25,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a new checking account in the Eagle National Bank in XXXX XXXX, XXXX XXXX XXXX, Virginia XXXX - because I liked the good offer it had itself it means {$100.00} as a gift If have at least XXXX direct deposits in the first 90 days. However before opened it I got information about it by phone and twice with the branch, all of them in the same branch, so after I opened my new account the banker explained to me the process about the direct deposit so I had to handled with my employer so I did. Few days later, I called the bank to ask when exactly I would received the gif? the banker told me : If my direct deposits are more than {$250.00} I will receive it after 90 days otherwise I do not received any gift. It was a new information nobody told me before I told the agent about that he said sorry, the manager of the branch apologized to me offering she can close my account If I want to but she will not give me the gift and finally customer service of the bank told me they ca n't do anything about it. PLEASE I need your help this bank mistreated me as a client, they did n't have any consideration with me after they behave was snaky with me ; it was very clear the banker just wanted trapping me as a client opening a new account hidden the true cheating me all time. Also I had to change my old direct deposit to this new one costed me time, money and explanations to the XXXX office of my job. I think is my right to demand the gift of {$100.00} from the bank as they offered me the first time, they must keep their words. I do n't deserve be treat with disrespectful. Thanks, XXXX XXXX",,Consent provided,Web,2016-05-25,Closed with monetary relief,Yes,No,CR1939288,6178
2016-05-25,Credit card,,Billing disputes,,"AFTER I fully paid off the card they charged me XXXX dollars twice and then returned the money after delay. After I turned off the XXXX which was previously in place, they issued a check that was never cashed by me and apparently also issued credit? Then they charged interest and penalties on the 'so called debt. After the card was fully repaid they should have ceased taking automatic payments and they never advised me my account was past due based on a check I never even cashed. This business practice is a former of unethical stealing and threatened my otherwise stellar credit since they claimed they could not inform me via email since they did n't have permission to give it to me without some additional consent to let me know I was 'late '.",,Consent provided,Web,2016-05-25,Closed with monetary relief,Yes,No,CR1939190,1519
2016-05-25,Credit card,,Closing/Cancelling account,,"Eagle National Bank closed my account on XXXX/XXXX/2015 and never informed me. My statements, both paper and electronic, do not reflect a closed status, and clearly indicate that I have available credit. If an account is closed, then there is no credit available, and the statement should list {$0.00} as the available credit. I would like the CFPB to either force BofA to issue accurate statements, or reinstate my card to a status that matches the statement.",,Consent provided,Web,2016-05-25,Closed with explanation,Yes,No,CR1940625,3490
2016-05-25,Credit card,,Delinquent account,,"I am filing a formal complaint against FIA Card Services. I enrolled into their XXXX Program in XXXX XXXX, XXXX and completed it on XXXX XXXX. Upon enrollment, I was advised that this negative account would be deleted from my credit report upon completion of their program. The creditor did not uphold their verbal agreement. It should read for the XXXX XXXX my credit limit was {$11000.00} and the word high balance should be omitted. On my credit report, it clearly states that on XXXX XXXX, my balance : {$4500.00}. The XXXX program was {$210.00} a month. The creditor merged with Eagle National Bank and my agreement was forgotten. I have tried to access my online account to obtain my online statements but the creditor XXXX my access upon completion of their payment program. Fortunately I was able to retrieve my original Special Repayment Letter along with my paper statement from XXXX. I entered into another payment program with another creditor during XXXX, and they removed the derogatory item from my credit report once it was settled. Thank you. 
",,Consent provided,Web,2016-05-25,Closed with explanation,Yes,Yes,CR1940517,11598
2016-05-25,Credit card,,Unsolicited issuance of credit card,,,,Consent not provided,Web,2016-05-25,Closed with explanation,Yes,No,CR1941833,3144
2016-05-25,Credit card,,Closing/Cancelling account,,,Older American,Other,Web,2016-05-31,Closed with explanation,Yes,No,CR1942064,4788
2016-05-25,Bank account or service,Savings account,Deposits and withdrawals,,,,Consent not provided,Web,2016-05-25,Closed with explanation,Yes,Yes,CR1941393,2921
2016-05-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-05-25,Closed with monetary relief,Yes,No,CR1940812,290
2016-05-25,Bank account or service,Savings account,"Account opening, closing, or management",,,"Older American, Servicemember",Consent not provided,Web,2016-05-25,Closed with explanation,Yes,No,CR1938327,2372
2016-05-24,Bank account or service,Checking account,"Account opening, closing, or management",,"CASE # XXXX This is a follow-up to my initial complaint as referenced above. Eagle National Bank responded to you and to me ( letter attached ) but failed to address or resolve the issues I brought to your attention. I was reported to XXXX and to XXXX XXXX XXXX for an account that was closed due to a check I deposited that was returned on a closed account. It caused my account to go negative. As a college student, I did not have the funds to pay it off right away but did pay it a year later in full. I tried to get the this removed from my record with XXXX by writing to the bank and explaining that the check was written to me and I had no way of knowing it would be returned. The response I got was that it was something other than that check. In chexsystems I was reported for "" suspected fraud activity '' and in XXXX I was reported for "" Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner ''. I tried repeatedly to get information from the bank as to what I did that made them suspect "" fraud '' and I have never been able to get an answer. I have done nothing fraudulent! I have not benefited in any way from the deposit of a bad check that I had no way of knowing would be returned. I took responsibility and paid it in full so the bank has not suffered any losses as a result of what happened. I on the other hand have been unable to open an account at any bank and have "" fraud '' associated with my name which is unacceptable. 
The response to my first complaint mentioned nothing about the reason they reported to XXXX or XXXX. In fact the letter I received says they "" investigated '' my complaint and found that my checking and savings account were closed due to me depositing a check that was returned. It says my account was closed for non-sufficient funds "" activity '' or unsatisfactory handling and then goes on to say that the report they filed with XXXX and ews was accurate and will not remove it. It makes no mention of any "" suspected fraud '' or any "" attempted transacting '' with another account. It does not explain in way why I was reported for those reasons. To be reported for non-sufficient funds is VERY different from being reported for "" fraud ''. The implications are extremely serious. 
I would like for them to explain to me what I did that could be construed as fraudulent and also prove to me that I intended to commit fraud. If they can not do this, then I am demanding that they remove the damaging record from my name in XXXX and in XXXX. It is critical to me that I clear this from my name. I feel as though I have been accused of criminal activity and then convicted of it without ever getting to hear any evidence and then not being allowed to respond to it. It is unfair and wrong. I am attaching a copy of the letter I received from BofA in response to my original complaint and a copy of the XXXX and XXXX report so that you may review it as well. 

Thank You",,Consent provided,Web,2016-05-24,Closed with non-monetary relief,Yes,No,CR1939627,4020
2016-05-24,Bank account or service,Checking account,"Account opening, closing, or management",,"I bank with Eagle National Bank. I was a victim of check scam on XXXX/XXXX/2016. 
The incident : I was selling clothes online on XXXX and asked for only {$200.00} for them. A person responded to my ad and agreed to the amount and we discussed logistics of paying and sending the clothes. They sent me a check for {$1000.00} and I verified with her to make sure she did n't mean to send me this amount. She wanted me to deduct the {$200.00} from the amount and forward the remainder cash ( {$810.00} ) via money order at XXXX XXXX to a name and address. On XXXX/XXXX/2016, I received the check and deposited it in the ATM. I was going to withdraw the {$810.00} to forward it in a money order. I was given access to the whole amount of funds that same day ; it was as if the check did n't go through a screening and clearing process which Eagle National Bank is in a better position to tell if a check is fraudulent rather than myself. The other times I 've deposited checks to my account, I 've never had access to the whole amount until the check was cleared the next day. I forwarded the remainder of the money as a money order on XXXX/XXXX/2016, however, it will show up in my bank statement as XXXX/XXXX/2016. I checked my account balance that following week and the check returned and made my account go into the negative amount. I wanted to submit a claim to dispute Eagle National Bank 's responsibilities in this process and my responsibilities and I understand that I am likely to have to pay back the amount, however, I received poor customer service management in the month of XXXX and recently which I will explain below. 
The situation : I called to submit a claim which I was finally able to submit XXXX on XXXX/XXXX/2016. This was also AFTER a week of the incident occurring and being transferred from initially the check fraud dept, ATM fraud dept, and then back to the check fraud dept after explaining to the representatives multiple times of what occurred. Therefore, I submitted a claim in the check fraud dept. I called to follow up since nobody called me back. The representative helping me that day told me that they never gave me call back because it was n't a check fraud issue and I was responsible for the amount to be paid back. The call ended because I do n't agree with how I was treated in this process. I revisited the issue and called EN again on XXXX/XXXX/2016 because up to this point I was emotionally exhausted and I still believe the bank should 've protected me in this process. I called on XXXX and was on the phone from XXXX and had to deal with representatives not being able to find my claim number. I found out that my claim number in the check fraud dept was dismissed and it had to be referred to the ATM fraud dept but the representative I talked to did not tell me that and that I needed to submit a new claim in the appropriate department. I was referred to the ATM fraud dept to submit a new claim. He told me I could n't because the check was already returned before a claim could 've been submitted in a timely manner and that my account is forced to close by XXXX/XXXX/2016. I argued with him and said nobody told me my account is forced to close by that day since the whole month of XXXX was wasted on my case being mishandled between different departments and insufficient information or different answers. Had I known my account was forced to close as soon as my account turned negative, I would 've called earlier to setup a payment plan to recover my account to a positive amount. As for a new claim being submitted, I did n't meet the timeframe for the claim to be submitted in time because my claim was in the wrong dept the whole time after being transferred between depts many times. Up to this point, I accept that I would have to pay back the amount, however, I argued that my account should be forced to close in XXXX instead to make up for the month XXXX since I dealt with incompetency. They said no.",,Consent provided,Web,2016-05-24,Closed with explanation,Yes,No,CR1938634,4572
2016-05-24,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I began this investigation because I received a letter from Eagle National Bank stating that my payments would be going up to approximately {$840.00} per month beginning XXXX XXXX. My loan amount was only {$19000.00} which was reflected in my closing documents. I have been paying almost {$300.00} a month on this loan for over 8 years and there is no way I should still owe this much. I contacted Eagle National Bank and was given information on where the missing {$75000.00} went. I was told that {$75000.00} was disbursed to XXXX separate people : MY Financial and XXXX XXXX. I was told that an advancement was taken on my line of credit, deposited into my account ending in XXXX, then XXXX cashier checks were processed and distributed using my debit card and pin. 

The issue is that I did not authorize these transactions. My closing documents, which I signed, state that only XXXX checks were to be disbursed. XXXX was for {$10000.00} and XXXX for {$8500.00} both payable to XXXX XXXX for student loans. No other money was to be taken out of my line of credit and paid to anyone. My payoff amount is {$25000.00}. The closing documents state that I only authorize Lender to automatically deduct from my account, ending in XXXX, the amount of any loan payment which was to begin XXXX XXXX, XXXX. EN states that money was transferred into account ending in XXXX then taken out. The other issue is that I was never issued a debit card or pin. There are a few pieces of information I still need : 1 ) Who was the agent at the bank who handled my closing on XXXX XXXX, XXXX? 
2 ) What date was the debit card and pin issued? Was it mailed or issued at the bank and by who? When was the pin # established? 
3 ) Who authorized the counter debit and issued the cashier 's checks without me being present? 
4 ) Please verify that the business name is M Y and not M and some other letter. I am coming up with other initials in my search. 
5 ) Location/Address of the branch involved 6 ) What assistance is EN going to offer me in order to track down the recipients and get my funds back? 

I have been paying on my loan for 8 years on time. I ca n't be expected to pay for money I never received or authorized to be paid to others. If I was going to pay someone any money, I would have included it in my closing documents. I need all of the help and resources that EN can provide to me as a valued customer. This issue will not be resolved until EN can determine who at that bank instigated this fraud against me. Until my funds are returned and the parties involved identified, this case will not be considered resolved.",,Consent provided,Web,2016-05-24,Closed with explanation,Yes,No,CR1939742,641
2016-05-24,Bank account or service,Checking account,Problems caused by my funds being low,,"I have been careful in ensuring that I do not incur Eagle National Bank 's overdraft fees, even with my recent charges below {$25.00}, I immediately transferred fund to make sure I do not get hit with overdraft fees. Lo and behold, I get XXXX XXXX overdraft fees the next day because some charges hit my account right before I get a deposit. I see my bank account statement, and I do not see where my account went below XXXX. I called the bank, and told me to follow the Account History Balance, not the statement, the account history balance is in another screen that a regular consumer would not know about. It 's on a hidden link which gives consumers false balance with the statement that is currently on the screen. I have relied on that statement, and now I 'm being told to follow another screen in order for me to avoid getting overdraft fees. I was supposed to have XXXX for the week, good for groceries, and gas. Now I 'm left behind XXXX for the week! I have requested for a reverse on the overdraft and Eagle National Bank will not give me the credit back. I have my statement to prove that I never went below XXXX. They took my money for no reason!",,Consent provided,Web,2016-05-24,Closed with monetary relief,Yes,No,CR1938909,3845
2016-05-24,Bank account or service,Checking account,Deposits and withdrawals,,I like to file a complaint I wrote a letter asking for proof of the Debt require and how the debt was acquired and the original creditor and under the fdcpa the bank had 30 days to respond to the debt that I owed they then have 30 days to respond to the debt that is owed the Eagle National Bank has yet to respond to the the request of proof of the debt the bank has yet to respond to to Verify or Validate the debt owed,,Consent provided,Web,2016-05-24,Closed with non-monetary relief,Yes,No,CR1939147,2027
2016-05-24,Bank account or service,Checking account,"Account opening, closing, or management",,"I received a call from Eagle National Bank in XXXX 2014 that they suspected a checking account was being opened in my name fraudulently. I confirmed that yes, it was fraud and that I had not opened any accounts with them. I then contacted all credit bureaus, the FTC and filed a policy report for identity theft. The credit bureau reports confirm identify theft and removed the information from my credit report. I assumed that I took all necessary steps to correct this issue, but this week as trying to open an account with my credit union, they ran a XXXX report and it indicated that Eagle National Bank charged off {$1900.00} in my name and upon calling Eagle National Bank to have this removed, they are now telling me that they have no record of any of this 2 years ago and that it is going to take 30 days for them to complete the investigation. # XXXX, if they called me and removed it from my credit, why do n't they have record of it and # XXXX, I do n't have 30 days for them to complete this for me, as my lease is up on XXXX. I need them to find the information from XXXX and at least provide an email or statement to provide to the bank and they are unwilling to do any of this. Even after I offered to provide them the XXXX Report finding, FTC reference number and police report. I did go ahead and file a dispute with XXXX individually, but they also indicated it could take up to XXXX days.",,Consent provided,Web,2016-05-24,Closed with explanation,Yes,No,CR1940000,3509
2016-05-24,Bank account or service,Savings account,"Account opening, closing, or management",,"I started a saving account with Eagle National Bank ( EN ) a few years ago and deposited {$60.00}. Just recently, the account showed closed out and empty with XXXX balance. I called the XXXX number and representatives told me the account was closed and that a check was sent to me. I never received a check so I went to EN and inquired there and they said that the bank charged me for services and that the money is all gone. I never knew of any charges and never used the account accept to be a savings account for my grandson. Now what do I tell my grandson about his money?",,Consent provided,Web,2016-05-24,Closed with explanation,Yes,No,CR1938504,4277
2016-05-24,Bank account or service,Checking account,Problems caused by my funds being low,,"I use to have an account with Eagle National Bank with a balance of XXXX cents positive. A representative call me and tell me that they were going to close the account and send me a check with the funds available at that time ( XXXX cents ). Well i never recived any check and they overdraft the accont and report me with XXXX and now im no able to open any account because of then and i also paid XXXX cents to Eagle National Bank ( i have a recipt ) because they said i was overdraft so i want that money back and i want my status with XXXX clean and be able to open a bank account. 
",,Consent provided,Web,2016-05-24,Closed with explanation,Yes,Yes,CR1938889,5379
2016-05-24,Credit card,,Billing disputes,,"I had a Fred Meyer Jewelers Platinum Preferred credit card and my balance due for my XXXX 2014 statement was {$48.00}. The minimum payment due was {$25.00} by XXXX XXXX, 2014. I made an on-line bill payment by mail through my checking account on XXXX XXXX, 2014, the {$25.00} was posted to my account on XXXX XXXX, 2014 with Fred Meyer Jewelers, which was not a late payment. I had forgotten that I had made this payment by through my bank, and called the customer service line on XXXX XXXX, 2014, and had made an additional payment "" by phone '' of {$25.00}, which was posted to my Fred Meyer Jewelers account on XXXX XXXX, 2014. I realized my mistake, on or about, XXXX XXXX, 2014, and called customer service to ask them to reverse my last {$25.00} payment "" made by phone '', and would pay them the {$23.00} amount due, since I actually overpaid my balance. They did cancel the phone payment of {$25.00}. I received the XXXX 2014 statement from Fred Meyer Jewelers which showed that I was charged an NSF check charge assessment. I called the Account Services Department, and asked them why I was charged the NSF check fee when they had already received a check from me in the amount of {$25.00}, which was the minimum amount due the last statement, and that the phone payment I made on XXXX XXXX, was not a check, and that I had been in good standing throughout my entire period of activity with them, and asked that they reverse the erroneous NSF check fee charged. The said they would not reverse the charge. I then contacted them by mail at : Department of Accounts, XXXX, NJ, XXXX, to request that they reverse the erroneous NSF check charge, since the phone payment I made would have been an over-payment since I only owed {$23.00}. They said they would not reverse the charge and that anytime a customer asks to reverse a charge, that they are automatically charged an NSF check fee charge. I received a letter from Fred Meyer Jewelers dated XXXX XXXX, 2014, which stated I needed to make a payment for the alleged "" return check '' within five business days to avoid additional charges to my account -- I received this letter on XXXX XXXX, 2014, and I paid my remaining balance of {$23.00} which was posted to my checking account on XXXX XXXX, 2014. This bill pay through my bank was expected to arrive to Fred Meyer Jewelers by XXXX XXXX, 2014, which was within five business days. However, Fred Meyer Jewelers assessed a late fee in my XXXX 2014 statement, and also the XXXX 2014 statement, and the XXXX 2014 statement they assessed a fee ( which is not stated on the statement what kind of fee it was ) of {$35.00}. I do not believe a credit card company should have the ability to assess fees although the account is paid in full, and there were no late payments, nor were there any checks returned by my bank to me as "" NSF '' checks, as Fred Meyer Jewelers has alleged.",,Consent provided,Web,2016-07-11,Closed with monetary relief,Yes,No,CR1938324,2602
2016-05-24,Credit card,,Delinquent account,,Target is reporting every month that my account is charged off.,,Consent provided,Web,2016-05-24,Closed with non-monetary relief,Yes,No,CR1938294,1988
2016-05-24,Credit card,,Billing statement,,,,Consent not provided,Web,2016-05-24,Closed with monetary relief,Yes,No,CR1938633,10041
2016-05-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-24,Closed with explanation,Yes,Yes,CR1939530,2042
2016-05-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-24,Closed with non-monetary relief,Yes,No,CR1936735,4715
2016-05-23,Bank account or service,Checking account,"Account opening, closing, or management",,Eagle National Bank Close my account not under the terms and aggreements written at the time of opening my account.,Servicemember,Consent provided,Web,2016-05-23,Closed,Yes,No,CR1936907,3856
2016-05-23,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank is refusing to give me any assistance. I have contact them multiple times and each time they deny any request for me to go on a payment plan of any sort. I have requested multiple time and each time the bank denies me and claims I can afford my payment even though I have gone over the information with them multiple times. I had medical bills in XX/XX/XXXX/XX/XX/XXXX that are in a personal statement on my credit report. They deny me every time even though they do not have a full copy of my credit report and they can not see my medical bills. They do not request exact information they ask you to estimate and they do n't request documentation. 
",Servicemember,Consent provided,Web,2016-05-23,Closed with explanation,Yes,Yes,CR1937265,1590
2016-05-23,Bank account or service,Checking account,Problems caused by my funds being low,,"I have been a customer with Eagle National Bank for many years. Mostly, I am happy with their service. However, on the date of XX/XX/XXXX, I was given XXXX overdraft fees totally XXXX dollars. Now, I plan my funds out to a tee with each direct deposit. I found it odd, and upsetting that the order my transactions were processed, is what caused me these overdraft fees. When I called the XXXX number, I was tossed around from rep to rep. I was even once disconnected, and not called back. I then made an appointment, and entered a branch, where I was treated with disrespect. These persons explained I could not have either fee reversed, because I had one earlier in the month ( 3rd party error ). My complaint is this : how are you, as my financial institution, allowed to pick and choose? Why when I asked how many a person was allows annually, I was given several different answers? Please do not pick and choose your fees based on how a customer is paid. I am given XXXX separate direct deposits every two weeks. By the end of the month, I bring your bank close to XXXX in MY income. You ca n't give me back XXXX measly dollars back in fees? I 'm seriously confused, and upset by this.",,Consent provided,Web,2016-05-23,Closed with monetary relief,Yes,No,CR1936814,4136
2016-05-23,Bank account or service,Checking account,Problems caused by my funds being low,,I was charged excessive late fees and extended late fees on my account. transactions such as deposits and withdrawals were structured by the bank so that my account was unnecessarily short and thus overdrawn causing me fees in excess of {$300.00} over a few months.,,Consent provided,Web,2016-05-23,Closed with monetary relief,Yes,No,CR1936673,4211
2016-05-23,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,"I went into the Eagle National Bank branch, located in the XXXX zip code off of XXXX in XXXX, Ca. I was informed that the bank was unable to cash a check that is drawn off of their system because they simply could not swipe my card. I let her know that my card was bent and it would not read. I was then turned away by the teller and the manager saying that they are unable to cash my check for no reason other than it would not scan.",Servicemember,Consent provided,Web,2016-05-26,Closed with explanation,Yes,No,CR1936803,2661
2016-05-23,Credit card,,Other fee,,"Eagle National Bank sent me a new credit card with the reason that they stated was to protect my security. I had automatic payments set up with their bill pay site. I got a letter from them saying I missed a payment. I called them and said I was on auto pay. I was told I never set up a new bill pay with new credit card number, IXXXXwas never told to do that and their was statement with my new card stating I should do that. They charged me a XXXX dollar fee. Then today I got a letter in the mail saying they reduced my credit card limit because of missed payment.",,Consent provided,Web,2016-05-23,Closed with monetary relief,Yes,No,CR1937702,4460
2016-05-23,Credit card,,Advertising and marketing,,"To whom it may concern, Today I applied for the Alaska XXXX XXXX card over the phone. As expected, I went through a credit approval process by which I assumed I would be given approval for the XXXX card. Upon completion of the process, the customer care associate said I was "" approved, '' though she did not state which card I was approved for. When I asked, she stated I was approved for the signature card, but needed to double check. When she double checked she stated I, instead, was approved for the XXXX Platinum card ( which is not even listed on the website ). The credit line was automatically opened upon submission of my application. 
When a customer calls to sign up for a card, and is placed on hold while his or her credit score is approved, and then told "" you are approved, '' the blanket assumption is : I was approved for the card I requested. Luckily, I double checked and asked what card I was approved for. To add to the deception, she stated I was approved for the "" signature card '', but needed to verify this. Upon verification, she informed me I was approved for the "" Platinum '' card -- a different card entirely. The account was already opened at this point. When Alaska XXXX advertises XXXX offer, presents information as if the customer is receiving said offer, and then switches the offer at the last possible moment falls under the definition for "" Deceptive Marketing and Enrollment. '' The only reason I applied for this card was because it was advertised as XXXX mileage points upon approval, the woman on the phone even stated I would get an additional XXXX points for signing up today. This advertising scheme is precisely what I am reporting. The information for the Plantinum card that I was automatically signed up for is not even easily accessed online. 

Sincerely, XXXX XXXX XXXX",,Consent provided,Web,2016-07-11,Closed with explanation,Yes,No,CR1937819,11380
2016-05-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I have XXXX pay day loans that I believe are illegal. I have tried to revoke ACH, but it continues. I went to my local Eagle National Bank on XXXX XXXX, and was told there was nothing I could do to revoke ACH, and the withdrawals have continued. 
The loans do not tell me how to stop ACH Authorization or automatic withdrawals. 
I have had difficulty reviewing the loan document sent, the link is no longer active. I actually have to log in online to review, and the document is no the original, but a new loan they renew weekly. 

I am hurting financially, close to being evicted. I 'm paying almost {$600.00} a month, for XXXX loan of XXXX, since XX/XX/XXXX, and another for {$300.00} since XX/XX/XXXX. They never go down. The payday lenders will not stop withdrawals, the bank continues to allow withdrawal after I asked then to stop.",,Consent provided,Web,2016-05-23,Closed with monetary relief,Yes,Yes,CR1937592,1718
2016-05-23,Credit card,,Other fee,,"I opened a line of credit with XXXX XXXX XXXX with Eagle National Bank. I have since made two payments to them. My bank is rejecting the payments because they are not recognizing the creditor as a legitimate creditor. I have since called my bank and asked them to allow payment for this line of credit. Eagle National Bank, who holds the line of credit, has since charged me fees and filed against my credit. I have made multiple calls to them and made every effort to pay them. They have told me they were going to have a supervisor contact me multiple times and I have never received a call back. They have agreed to remedy the credit issue to ensure that this has no negative impact on my credit and now I can not even get them to give me an update. It is a never ending list of them asking for more information and then never getting anything done. I have spent hours on the phone and been treated terribly by them. I am seriously concerned that Eagle National Bank has no interest in helping me and I feel like they are ignoring the issues to attach additional fees to our account. Please help us as it appears Eagle National Bank has no interest in helping. What options do we have?",,Consent provided,Web,2016-05-23,Closed with monetary relief,Yes,No,CR1938213,1998
2016-05-23,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-05-23,Closed with explanation,Yes,Yes,CR1937724,798
2016-05-23,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2016-05-23,Closed with explanation,Yes,Yes,CR1937714,4580
2016-05-23,Credit card,,Unsolicited issuance of credit card,,,,Consent not provided,Web,2016-05-23,Closed with explanation,Yes,No,CR1936600,1410
2016-05-23,Credit card,,Arbitration,,,,Consent not provided,Web,2016-05-23,Closed with monetary relief,Yes,No,CR1937505,162
2016-05-22,Credit card,,Advertising and marketing,,,,Consent not provided,Web,2016-05-22,Closed with explanation,Yes,No,CR1936258,4574
2016-05-21,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank decided they wanted to make money off of my banking account as soon as I was hired at a full-time job, so they started charging me a monthly {$3.00} service fee for what they call 'check images ' attached to my monthly bank statement. This service has absolutely no value to me. EN is just exploiting consumers by providing a service without prior consumer authorization. Even worse, is the fact that in order to stop this 'service, ' EN wastes citizens valuable time trying to contact them. 

They did send some paperwork saying that account holders could decline, but there is no way to do this without spending an inordinate amount of time either waiting for phone service, or having to meet with someone at a branch. Also, there is no easy way to find an address where one can write to this bank to quickly resolve something like this. 

I have tried three times to cancel this 'service ' -- two times on the telephone, and another time I asked the bank branch greeter to provide me with an address where I can send a letter, but he could not give me one without turning my request into a long research project. 

I am asking your help to get all of the {$3.00} charges reversed so I get all my money back since they started this in XXXX 2015. Additionally, as you can guess, I want this monthly 'service ' and the unnecessary charges stopped since the images are of no value to me. What they are providing is just XXXX 'check ' image that EN creates to go along with my phone/internet payment on my Target bill -- it is n't a 'real check ' at all. Their image is useless because when one pays a bill over the phone or on the internet, customers are given a confirmation number. This EN practice exploits account-holders. I have categorized this complaint as an unauthorized withdrawal within your category ' Deposits and withdrawals ' since you do n't have a category for 'service charges. '",,Consent provided,Web,2016-05-21,Closed with monetary relief,Yes,No,CR1935723,4680
2016-05-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Below is a weblink which Eagle National Bank repeatedly refuses to comprehend. The recent court case makes precisely the point I have made to Eagle National Bank to no avail. I recieved yet an other letter U. S. Mail from this bank and it enclosed previous letters regarding this same account that was closed in XX/XX/XXXX, opened in XX/XX/XXXX and closed again a year later. Despite the contents of the letters - which are wrong - the furnishing of payment history by the bank that year was illegal. It matters not that it has since been removed at my request on XXXX, XXXX and XXXX. The letter says they will continue to report it to all XXXX agencies. This letter today, dated XXXX XXXX XXXX, the XXXX did not understand the point of including such examples as below. Instead, he cites privacy of other customers. Seriously? No one asked about other customers. Other customers in those complaints ' weblinks and attachments spoke for themselves. Let us begin at the legal point in the quoted text below about the recent court case that reiterates the FCRA. As it says, by furnishing 13 months of consecutive payment history on XXXX ( I have this printout mailed by XXXX from XX/XX/XXXX ) and telling me now they will continue to furnish data and its current being on XXXX is not legal. XXXX was the last payment! Yet, EN told the XXXX agencies payments were made in XX/XX/XXXX. It additionally acts as if it has no record of it. The Fraud department at XXXX confirmed that payment history was in fact furnished that entire year ; XXXX XX/XX/XXXX. XXXX showed the account was closed after all those payments, per their legend. To close it, by definition, it was re-opened. The bank ca n't open an account in XXXX XXXX ; furnish 13 payments and then close again. So, just because the bank does n't have a clue that each month there was a XXXX balance and XXXX payment made on an account that was closed in XX/XX/XXXX, they just re-started the clock. The bank is and has provided letters since XXXX XXXX XXXX which lie and are contradictary to each other as well as in direct conflict with common sense. This account was not touched by Eagle National Bank while it was open. It was closed by me. It was in good standing. It was a XXXX-dollar asset to them that required nothing on their part past XX/XX/XXXX. It is evident that the SEC should be informed. For this to have happened and continuing to happen and telling me it will continue to happen the bank must be manipulating assets to mislead investors on quarterly and annual filings. Nothing else makes sense. I will therefore provide my XXXX credit reports to the SEC and all letters from EN denying what is plainly printed by all XXXX agencies plus their ENs refusal to admit, fix, and correct it. I have other evidence I will provide them as well. Sufficed to say, it would be wise to get XXXX to remove it by telling them to do so. According to XXXX, EN affirmed the account as if the XXXX date is not obvious. Regardless, my communication with the SEC I XXXX teach out to the candidates running for office as I have heard that oversight is an issue they are contemplating. I will send it to all. They need to know how horrible it is to deal with this bank and others over the simplest thing. Hours wasted. No ethical reaction to my complaints. EN has bent over backwards to do nothing very slowly to pretend to have investigated this matter. I will continue to what it takes to have a credit report that to drive XXXX "" As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading. 
",,Consent provided,Web,2016-05-21,Closed with explanation,Yes,Yes,CR1935568,1377
2016-05-21,Bank account or service,Checking account,"Account opening, closing, or management",,"I was selling my car on XXXX. A potential buyer contacted me via text, followed by a phone call where we closed the deal at XXXX. It was for a 1969 XXXX XXXX. Buyer sent me a check telling me to wait for funds to clear before shipping the car. A few days later all my accounts are closed and assets frozen. Since then this has been damning. I cant open a regular checking account anywhere. Im not a check expert or fraud expert. I was selling my pride and joy just to get taken for a ride myself. Luckily the check bounced before I shipped my car but nonetheless Im stuck holding the bag as if im the criminal. This is not fair, and is taking a huge toll on my life. Please help. Thank you",Servicemember,Consent provided,Web,2016-05-21,Closed with non-monetary relief,Yes,No,CR1935724,8678
2016-05-21,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-05-21,Closed with explanation,Yes,No,CR1935049,1951
2016-05-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-26,Closed with explanation,Yes,No,CR1935872,542
2016-05-21,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2016-05-21,Closed with explanation,Yes,No,CR1935703,3258
2016-05-20,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Eagle National Bank refuses to refund {$40.00} in fees I paid for checks that turned out to be invalid for the purpose the bank promised. I needed certified checks valid for one year. I asked Eagle National Bank if its certified checks were valid for this duration and was assured that such checks issued by Eagle National Bank were valid for three years despite the 90-day expiration date printed on each check. I paid {$40.00} for XXXX certified checks, or {$10.00} per check. The checks were rejected because the recipient has previously been unable to deposit Eagle National Bank 's certified checks beyond the 90-day expiration date. When I returned to Eagle National Bank, the manager was able to refund the value of the checks but told me that, due to "" technical reasons, '' she could not refund the additional {$40.00} in fees. Nobody from the bank can seem to figure out how to refund the cost of the checks. Eagle National Bank should ( 1 ) stop providing conflicting information about when its checks expire ; and ( 2 ) issue a refund for the {$40.00} I paid in reliance on the bank 's faulty advice/product. 
",,Consent provided,Web,2016-05-20,Closed with explanation,Yes,Yes,CR1934957,3060
2016-05-20,Bank account or service,Checking account,Deposits and withdrawals,,I have been trying to get proof of a life insurance policy that Eagle National Bank was debiting my checking account for {$650.00} a month for 10 months. When I spoke to the branch manager they indicated they could not provide proof and that they would not refund my {$6500.00} that ( stole ) from my account. There is also a credit card with them that we have also addressed as trying to get settled and they will not respond. I finally had to retain counsel to get this resolved and even with my attorney reaching out to them they will not respond.,,Consent provided,Web,2016-05-20,Closed with explanation,Yes,No,CR1935322,13921
2016-05-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"This complaint has to do with my my previous case # XXXX. For some reason my case was no available for viewing and I did not have the ability to respond to there claim in it 's enity. There last response letter, referred to a letter they claimed I wrote. On XXXX XXXX, I still had not been given any bank records ( I only had the XXXX statement dated XXXX. They claimed I listed all XXXX accounts belonging to in brother. The only information I had were the last XXXX numbers of his checking and Money market accounts. 
They also claimed the letter stated I was claiming reimbursements for XXXX checks. The reason I am certain I did not write such a letter was because a banker, employed by Bank America at a NC branch, called the Check Fraud Claims Dept for me because no one responded to my request and my emails and phone calls wee ignored. We did not ask for payment on utility checks that forged because they had become my responsibility. XXXX of the XXXX checks I was reinbursed for they went back into his closed account. Long story short my account got so screwed up, I would have to hire an accountant to determine if the balance was accurate. 
I also am challenging the letter they enclosed was ever written or mailed to me. When someone suggest they withheld monies because they believed I was forgoing the checks. 
That is one letter you would not forget receiving. Do n't have time to point out other errors made by it 's author. 
Since they failed to send a copy of my handwriting so you could see my handwriting does n't come close to the checks they claimed I forged. 
Please notice their final response as to why they could not provide me copies of the banking records was because listed in their customer agreement booklet it states that they must retain a clients records for at least 5 years. I did not see where it states copies were not privy to Executor 's and that their banking regulations supersedes the Laws that are on record that they are required to uphold. Maybe because they want to believe they are above the law, someone simply needs to explain that in reality if they were right, all the law suits costing them XXXX, would diminish in numbers, and they could make a profit just by abiding by the law. 
, ( DMV. originally was a {$45.00} payment buu in XXXX so many late FES, returned check fee, they were now asking by the live in animal care taker, and errand runner",Older American,Consent provided,Web,2016-05-23,Closed with explanation,Yes,Yes,CR1934314,3178
2016-05-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Toward the end of XXXX XXXX my father died. He had XXXX bank accounts at Eagle National Bank. XXXX of those accounts were simply in his name, XXXX was in the name of the XXXX XXXX. Beginning in XXXX, XXXX I went into the bank with all necessary ( which I believed necessary, as I had already dealt satisfactorily with XXXX XXXX Bank -- where my father had XXXX accounts ) documents, such as death certificate, the Trust document proving I was the only heir and Successor Trustee all my ID ( and may I state my husband and I have considerable funds deposited in B of A. ) Starting in XXXX, I was made to come in XXXX separate times ( and the result is still in question ) to settle this matter!! Each time the bank manager went to the back, supposedly faxed all necessary paperwork to their Trust Division ( which happens to be back XXXX ) and said "" It 's all done, just wait for the check in the mail. '' Within XXXX3 weeks I would then receive a letter from the Trust division stating they still needed paperwork. Not only was I getting upset, the bank manager was also -- stating this never happened before. Although I am not in need of the monies, I began thinking of people who may actually need funds soon after a death -- to pay for funeral expenses, maintain a house that existed in the will, etc. I began thinking the B of A. seems to be unnecessarily stalling people from getting what is legally theirs. It has been over three months!! and I still have n't seen final resolution.",,Consent provided,Web,2016-05-20,Closed with monetary relief,Yes,No,CR1935190,2064
2016-05-20,Credit card,,Payoff process,,Contacted Eagle National Bank multiple times to try and adjust interest rate and payment on credit card bill to finical hardship. Each time I was tossed around and never given a straight answer. Immediately after finally deciding to just close the card I was charged {$45.00} in interest more than I had ever been charged before and I was denied the ability to use my {$15.00} earned credit card points. Eagle National Bank has constantly denied me any assistance. I have requested it multiple times and they deny me for any reason.,,Consent provided,Web,2016-05-20,Closed with explanation,Yes,No,CR1935351,4658
2016-05-20,Credit card,,Other fee,,"Hello, I purchased tickets from XXXX directly using my Eagle National Bank Credit card. The ticket fares displayed on the portal were in XXXX currency. When I am reviewing my statement it shows entry related to the ticket fare along with that additional charges related to foreign transaction fee. 
below are details. 

Total cost of ticket XXXX $ and foreign transaction fee of XXXX XXXX 
I spoke to XXXX and they say we dont charge any additional fee and that we have received XXXX from my card company. 
I fail to understand that if the ticket price were dispayed in XXXX by the airline company, I used my XXXX credit card to make the payment why should it attract any foreign transaction fee. 

thanks, XXXX",,Consent provided,Web,2016-05-20,Closed with monetary relief,Yes,No,CR1935097,314
2016-05-20,Credit card,,Late fee,,"Payment made to Target National Bank was rejected due to "" insufficient funds ''. A {$25.00} refused payment fee was assessed. TNB was informed by me via website, telephone, and secure email that the account normally used for payment was closed due to security breach, and a new account was given to draw payment from. TNB claims this never took place, and refuses to reverse the fee. This is apparently a standard practice used by TNB to generate fees. I have since closed the account, paid the balance ( less the penalty fee ).",Older American,Consent provided,Web,2016-05-25,Closed with explanation,Yes,Yes,CR1935623,6342
2016-05-20,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-05-20,Closed with monetary relief,Yes,No,CR1934590,571
2016-05-20,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-05-20,Closed with explanation,Yes,No,CR1934873,3232
2016-05-20,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-05-20,Closed with non-monetary relief,Yes,No,CR1934629,4181
2016-05-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-20,Closed with non-monetary relief,Yes,No,CR1935023,778
2016-05-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,Consent not provided,Web,2016-05-20,Closed with explanation,Yes,No,CR1935296,13231
2016-05-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-05-23,Closed with explanation,Yes,No,CR1934344,4480
2016-05-19,Credit card,,Billing disputes,,"I have cancelled a creditcard issued by Eagle National Bank the year of XXXX, for fraudulent issue, I have requested it closed since then and have not used the card. Last year XXXX I was suprise to see a charge of {$99.00} on that closed account. I called the BA credit card nos. and dispute about such transactions and question them about why was there a charge on my account and it was closed .They answered it came from XXXX XXXX, and I told them so what the card was closed why would you allow it to be used. The person I spoke to said in that time said they will take care of it. 
I never had access to that account anymore for it was closed, it was also never connected to my online banking, at that time. 
Today I discovered through the email message from that bank sent to me, that the original {$99.00} charge was now incurring an interest and they kept the account open even if requested it closed for 2 years now.Again I called the Credit Card nos./company and dispute about it, and I was informed as long as there is a recurring charges, even if the account was closed by the customer, it will still incur charges.I called the company that keep charging my account and informed them to stopped those charges for the account was closed, I was told that they were never informed the account was closed, because the charges kept going through. 
So with this conversation and discovery I as a customer has no total security and control over this closed credit card because of this ridiculous activity of Eagle National Bank, I ca n't even used the said credit card but a certain company can keep using them on my behalf. 
What happened to my rights as a consumer?",,Consent provided,Web,2016-05-19,Closed with explanation,Yes,No,CR1931591,2776
2016-05-19,Credit card,,Credit determination,,"While Eagle National Bank has a right to extend or withdrawal a credit line at their leisure. I find their business practice to reduce a {$9000.00} credit line to {$500.00} on a perfect payment history and sufficient income to meed internal fiscal goals and lay a bogus claim that I 'm not a good risk with an average credit score and average spending and borrowing habits very concerning. Their action while it may server their purpose whatever that might be affects my credit rating, a rating I 've been working on for a long time to establish in a purley positive direction. Their action will take up to XXXX points on my score while they used me to meet their repayment of TARP and now that they do n't need to they are "" reducing risk. '' I opened this card with a {$2000.00} credit line and they freely gave a line of {$9000.00}. To reduce my total credit line with the bank to {$500.00} from a total of {$14000.00} across XXXX cards because I take out a loan and close all but XXXX revolving lines does n't make sense to me. If I want to pay XXXX a month on debt and I have the income to do it that 's my perogative. The questions asked in the credit determination were insufficient to make an accurate determination. I gave my loan payment amount monthly. I gave my current monthly liquid assets and answered questions about my lines of credit. The man, XXXX made some rediculus comment about the unsecured ammount lent to me was too high ( as if people do n't have loans 4 times larger than their income with houses, cars, school etc. that even some secured they often do n't recoup anywhere near the full investment amount ). Yet here I am with a perfect payment history, sufficient income to exceed all my minimum payment requirements after all bills paid monthly for at least a total of about {$50000.00} of average interest and this man wants to say that he can only safely make money off of me with a {$500.00} credit line. I told him that I would stop using the bank and was going to cancel the card and he did n't care. So I am in the process of switching banks and will keep the card at {$0.00} only because it serves my length of credit history on open accounts reported. But they will not make money off my money. Whatever they are doing is not with the consumer in mind and this disruptive business practice that affects credit scores and financial planning is a shame, I do n't even see how it serves them other than they are trying to increase their credit rating and manipulate their reporting numbers. While what they do might be legal it is suspicious and should be looked into as to what their lending strategy is if they ar n't trying to make money off of interest from the cards and why a consumer product is not with the consumer in mind. 
",,Consent provided,Web,2016-05-19,Closed with explanation,Yes,Yes,CR1932495,4446
2016-05-19,Credit card,,Credit line increase/decrease,,"Without my permission Eagle National Bank has placed a Hard Pull to my credit bureau and all attempts to have it removed have proven unsuccessful with much run around and no satisfaction. I have spoken with numerous individuals who have assured me the problem will be taken care and over the course of XXXX days it has not. I have only gotten promised callbacks from individuals who have not called me back and the inquiry has not been removed even though every individual I have spoken with have assured me it would within 2 days. I requested a credit limit increase and was told it would be a soft pull. It resulted in a hard pull, even though I explained that if it was a hard pull I did not wish to proceed. I was later told that the call was listened to and that the person had assured me it would be a soft pull and that information had been incorrect.",,Consent provided,Web,2016-05-19,Closed with explanation,Yes,No,CR1933105,4668
2016-05-19,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-05-19,Closed with explanation,Yes,No,CR1932153,1796
2016-05-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-19,Closed with explanation,Yes,No,CR1931230,723
2016-05-19,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-05-19,Closed with monetary relief,Yes,No,CR1933924,523
2016-05-18,Bank account or service,Savings account,Deposits and withdrawals,,"Eagle National Bank made an inaccurate assumption regarding one bank item on my account. Without allowing me to rectify the situation or even allowing me due process they reported me to XXXX and has refused to accept payment on to clear up the overdraft three times. I attempted to pay for this item THREE times in person at a bank branch and each time I was made to wait for at least XXXX minutes to an hour while the branch person called people at different offices and each time the payment was refused. worst of all I was told that even with the payment they refuse to reopen my account. This was the only time I had a problem with the account. In addition the last time I arrived with cash to a branch to pay for the item, they added {$59.00} dollars for a service that they did not, nor could they provide a specific explanation as to service they had provided, they just knew that I owed it and it was in the system. Furthermore I was severely criticized by a number of B of A employees for taking such a long time to clear up the matter. And they continued to refuse to accept a cash payment from me or sell me a cashiers check for the cash to clear up the matter. 
The Desired resolutions is I that I humbly ask for Eagle National Bank to forgive my error accept my payment for the bad item and reopen my account. More important I humbly request that they remove the inaccurate report about my account to XXXX. I did make an error in filling out a check but I was in no way intentionally attempting to commit fraud. I stated this numerous times and I attempted to take care of this initially when I discovered that I made a mistake on my entry and the check that I provided. Unfortunately B of A refuses to accept my explanation or my money. It seems they just want to ruin my financial life. The information they are reporting is so inaccurate and so far from my character that I wo n't repeat what they are saying.",,Consent provided,Web,2016-05-18,Closed with explanation,Yes,No,CR1930606,741
2016-05-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I called Eagle National Bank for the umpteenth time to get the payment amounts so I can file a police report. I called XXXX XXXX XXXX their fraud department. Today I learned it is in Arizona from the call center in Delaware. So I will next contact the Attorney General of that state to get the answers they would not provide today. To make a long saga as brief as possible as this is a train of connected CFPB complaints, it is sufficed to say that a letter was read by pjone in Delaware and the letter was contradicted all at once. Sometimes, people are very matter-of-fact ; and it demonstrates that it was intentional that the bank did what it did. I was read the EN letter dated XXXX XXXX XXXX. I told her to stop right there! Right on the words "" reporting correctly ''?! The facts I sought XXXX XXXX XXXX, she just read me that they existed and were deliberately so kept. But, as quickly as she could turn on a dime, she said they were no longer there. So the Attorney General of that state where she was conversing to byvway of computer screen - but I could not speak to them - was not helping me to file my police report, since over a month ago. It is totally ridiculous. It was clear they are trained in the art of avoidance ; which includes inconsistentcy between what is written and what is spoken ( flase choices as valid choices in a take-it-or-leave-it manner ). Fortunately, I have the important lies in writing, U. S. Mail ( mail fraud ) and have exhausted all avenues to get the XXXX exact dollar amounts that were reported each month in XXXX to XXXX and XXXX to XXXX and the other XXXX as well. Where is the signature to authorize my social security info? Who furnished it within the bank? All this happened when EN was being spanked by the government for similar behavior in XXXX XXXX. So they learned nothing. EN needs a "" time out '' because this was the fraud department 's investigation of its own employee that was not investigated, whatsoever. This article should be a good reminder of consequences of internal fraud : "" XXXX XXXX, XXXX SEC, FINRA, CFPB Enforcement : BofA Busted for Illegal Credit Card Practices By XXXX XXXX XXXX In addition, consumers were also hit with unfair billing practices by the bank. Eagle National Bank enrolled consumers in identity protection credit card add-on products, known as "" Privacy Guard, '' "" Privacy Source '' and "" Privacy Assist, '' that promised to monitor customer credit and alert consumers to potentially fraudulent activity. 

Under federal law, in order for Eagle National Bank or its vendors to obtain consumers ' credit information, the consumers generally must authorize access to credit information. But Eagle National Bank billed consumers for these products without or before having the authorization necessary to perform the credit monitoring and credit report retrieval services. 


As a result, the company billed consumers for services they did not receive ; unfairly charged consumers for interest and fees ; illegally charged about XXXX consumer accounts ; and, to top it off, failed to provide product benefits. 

The CFPB has ordered that Eagle National Bank be prohibited from engaging in illegal practices ; end unfair billing practices ; repay affected consumers, and do it for the consumers ' convenience ; and pay that XXXX penalty to the CFPB 's civil penalty fund. 

The Office of the Comptroller of the Currency ( OCC ) has also ordered Eagle National Bank to pay XXXX in civil money penalties for the unfair billing practices, in addition to those ordered by the CFPB. '' The takeaway : I did authorize it! 
",,Consent provided,Web,2016-05-18,Closed with explanation,Yes,Yes,CR1930498,1787
2016-05-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I HIRED A MOVING COMPANY IN MA TO PICK UP AND DELIVER SOME OFFICE FURNITURE IN ME. THEY SENT ME AN AGREEMENT VIA EMAIL TO SEE IF IT LOOKS GOOD I REPLIED YES. THE ESTIMATE WAS FOR OVER XXXX AND I GAVE PERMISSION TO CHARGE ME XXXX FOR THE INITIAL DEPOSIT AND UPON DELIVERY I WOULD GIVE THEM CASH IN HAND FOR THE REMAINING BALANCE. THE MOVING COMPANY WAS ONLY AN HOUR AWAY FROM THE LOCATION OF PICK UP. THEY WERE ONLY THERE FOR 30MIN AND DETERMINED THEY COULD NOT TAKE THE OFFICE CUBICLES APART BECAUSE THEY WERE CUSTOM MADE ONSITE SO THE GIRL CALLED ME AND WE AGREED TO JUST KEEP THE DEPOSIT. LATER THAT DAY I WAS CHARGED XXXX ON MY DEBIT CARD FROM THEM AND I CALLED AND EMAILED THEM AND THEY WOULD NOT REPLY. I FILED A CLAIM WITH Eagle National Bank AND 45 DAYS LATER THEY GAVE THE MERCHANT BACK THE MONEY. EN SENT ME LAST MINUTE SUPPOSEDLY SIGNATURES SIGNED BY ME IN ANOTHER STATE AND TOLD ME BECAUSE IT WAS SIGNED THEY HAD TO PAY THE MERCHANT. I NEVER AUTHORIZED ANYONE IN ANOTHER STATE TO SIGN ON MY BEHALF, THE MOVING COMPANY EVEN ADMITTED THAT THEY HAD IT SIGNED BY SOMEONE ELSE WHICH WAS NOT TRUE. EN PAYED THEM MORE THAN WHAT THE APPROXIMATELY EST WAS. I NEVER RECEIVED THE MERCHANDISE. I ASK EN TO LOOK AT MY SIGNATURE CARD IT DOES NOT MATCH AT ALL, THEY PROMISED TO EXPEDITE IT AND THAT THEY WERE NOT GOING TO TAKE ANY MONEY OUT OF MY ACCOUNT BECAUSE IT WAS EXPEDITED AND THE NEXT MORNING THEY STILL DID. I WANT MY MONEY BACK IN THE ACCOUNT AND BECAUSE OF THIS FRUSTRATION I HAD TO GO WITH ANOTHER BANK COMPANY AND TRANSFER EVERYTHING AND ORDER ALL NEW CHECKS FOR MY BUSINESS ETC. I HAVE NEVER MET A BANK THAT DID N'T GO TO BAT FOR THERE CLIENT AND OVER THE PAST 3 YEARS I HAVE PUT XXXX OF DOLLARS THROUGH THERE BANK. IF I DO N'T GET COMPENSATED FOR MY PAIN AND SUFFERING AND GET MY MONEY BACK AND HAVE ACTION TAKEN AGAINST THIS MOVING COMPANY I WILL GO TO THE XXXX XXXX, I WILL FILE A LAWSUIT AND I WILL FILE A COMPLAINT WITH Senator XXXX XXXX. I CAN BE REACHED AT XXXX XXXX XXXX XXXX",,Consent provided,Web,2016-05-18,Closed with monetary relief,Yes,No,CR1930446,480
2016-05-18,Credit card,,Payoff process,,"For the past 2-3 years I have tried to resolve this issue. I have a EN checking account and credit card. I want to automatically make payments to my credit card from my checking account. You ca n't do it as a transfer - which is a set amount only. So if the minimum amount changes to say {$57.00} and your automatic transfer is {$56.00}, they charge you a {$30.00} ( or more ) late fee. If you try to "" cancel '' your automatic transfers ( they call that the "" plan '' ) they still show as pending for the next month - so say XX/XX/XXXX is scheduled. You cancel that one and XX/XX/XXXX pops up. Then you cancel XX/XX/XXXX and guess what? The only way to cancel those again is to call and spend an hour on the phone. Basically the "" cancel the plan '' feature for transfers does not work. 
Now you can submit a written form ( no joke - you mail it in ) to have recurring charges on your checking account to pay your VISA, but then you have no control. You ca n't change it to be "" full amount '', you ca n't see that it 's even setup - it 's a blank charge that appears in your checking account as "" FIA Card ''. Frankly after 2-3 years I forgot who FIA was. I certainly did n't think it was associated with EN. You can call and change it, but that too took an hour. 
The third option is to setup a payee of Eagle National Bank Credit card for "" Bill Pay '' - the first step in that process is to receive "" electronic billing '' from EN VISA. That takes XXXX days. I do n't want to get an electronic bill, I prefer paper. They assured me I would get both, but I sure do n't believe that will happen. Regardless - after this electronic payee is recognized in 1-2 days I can then setup a recurring monthly payment to my EN VISA. They told me that would take 1-2 MONTHS. Again, lots of potential for those lovely late fees in this process as my bill is do in 2 days. Now I could live with all of this and say oh well, but I have reported all of these issues 2-3 times over the past 2 years and nothing was ever done, except sometimes they would refund my duplicate payments ( only going back 3 months of course because they only go back 3 months ). It just seems like a deliberate scam to get late fees, either that or absolutely horrible computer designs in which case they should n't be allowed to practice banking.",,Consent provided,Web,2016-05-18,Closed with explanation,Yes,No,CR1930397,3529
2016-05-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I was scammed by someone that opened an account at Eagle National Bank. They were able to open an account - identifying themselves officially on the account as "" XXXX ''. They told Eagle National Bank that it stood for XXXX XXXX XXXX XXXX. As part of their scam which was successful ( when I wired money to them thinking I was buying a car ) they told me that stood for XXXX XXXX XXXX Account. Why anyone receiving large sums of money should n't have to identify themselves -I have no idea. But Eagle National Bank is making it easier for Scam Artists to operate in this way. I 'm sure the scam artists appreciate Eagle National Bank accommodating them.",,Consent provided,Web,2016-05-18,Closed with explanation,Yes,No,CR1931895,3762
2016-05-18,Credit card,,Other,,,,Consent not provided,Web,2016-05-18,Closed with explanation,Yes,Yes,CR1930252,2679
2016-05-18,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-05-18,Closed with explanation,Yes,Yes,CR1930172,165
2016-05-18,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-05-18,Closed with explanation,Yes,No,CR1931893,457
2016-05-18,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-05-18,Closed with explanation,Yes,No,CR1932043,2341
2016-05-18,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-05-19,Closed with monetary relief,Yes,No,CR1930152,2489
2016-05-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-23,Closed with explanation,Yes,No,CR1930686,4346
2016-05-18,Bank account or service,Checking account,Deposits and withdrawals,,,,Other,Web,2016-05-18,Closed with explanation,Yes,No,CR1931250,2933
2016-05-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I 've recently put a stop on a business check, and just to double check it 's in effect I called the bank to confirm and the representative told me not to worry, the check is stopped and funds will not be disbursed. XXXX days later, while checking recent transactions I saw that check amount being disbursed! I called and submitted a claim to the bank and was told I 'd hear back in a few days. A week goes by no one contacted me back, so I had to call the main hotline and spending over an hour on the line explaining my situation to numerous reps because I had been transferred so many times. Finally I was told it was an ACH wire transfer, and that the check was actually stopped. I was even more shocked and furious because I did not sign any wire transfer papers and this is 100 % fraud! I was told again to wait to hear back. Another week later, this is now 3 weeks nearly a month from the date that I called to stop the check, I still have n't heard back so I called again. After being transferred around again, I was told actually it was NOT an ACH wire transfer but that the check was cleared. My complaint is, why did n't anyone tell me that the check I put a stop to was cleared, and secondly, why is the bank telling me different answers? Is it an ACH fraud or is it a check that was cleared even though I stopped it? And if I stopped it, why was it cleared? I think it 's very neglectful of the bank and their reps are not trustworthy since they ca n't give the same answers back to their customers. I need the bank to admit they actually overlooked and cleared a check that was already stopped, and refund that amount back to my account.",,Consent provided,Web,2016-05-20,Closed with explanation,Yes,No,CR1928164,6829
2016-05-17,Bank account or service,Checking account,Problems caused by my funds being low,,I had a bank account with Eagle National Bank and closed it because they held a deposit that caused my account to overdraw. All the did was apologize so I closed the account and paid off the checks that did not clear now they are billing me and reported to checks system that I owe them {$430.00} they see that I withdrew {$1900.00} to pay off checks because of their mistake and want me to pay XXXX of the {$430.00} this was their error and it cost me even more. I want this account to be resolved and deleted also a fraud investigation opened because they have been stealing money specially from XXXX customers. Please call me XXXX XXXX XXXX.,,Consent provided,Web,2016-05-17,Closed with explanation,Yes,No,CR1926013,698
2016-05-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I applied for a EN Go account on XXXX/XXXX/2016 for my grandson who is going to co to college. I have called several times giving my order confirmation # and authorization no. to many of your customer service representatives who at any given time have absolutely no answer as to why this account, or car has not been issued. Each time I call I get a different person of course and they no nothing and I am being told there is no one you can speak to regarding what is happening. I am extremely angry with Eagle National Bank as I have been a customer for XXXX years and can not understand this form of business dealing. -- I am at this point going to close all my dealing with this bank and believe me I will tell everyone not to deal with Eagle National Bank ever again VERY POOR CUSTOMER SERVICE",,Consent provided,Web,2016-05-17,Closed with explanation,Yes,No,CR1929008,384
2016-05-17,Bank account or service,Checking account,"Account opening, closing, or management",,I have an overdraft account with Eagle National Bank. The statements come the first week of the month with a due date the last day of the month. I will pay the balance in full by mid-month and receive a statement the following month with an interest charge even though no further draw has occurred and the previous balance was paid in full. They claim that their policy is to bill on an average monthly cycle. So even though 3/4 of the month has XXXX balance they are still collecting interest for that time period. Interest should only be calculated while a balance exists. This system makes it nearly impossible to pay in full.,,Consent provided,Web,2016-05-17,Closed with explanation,Yes,No,CR1929157,2969
2016-05-17,Bank account or service,Checking account,Problems caused by my funds being low,,"I have been a customer of Eagle National Bank for a few years now. I recently learned that this bank is charging me about {$5000.00} in overdraft fees from several bank accounts that I 've had with them. Till this day I do n't have any stamens explaining how the overdraft and these accounts accured. However I also learned that Eagle National Bank has been sued and the pass for illegally charging people overdraft fees on their accounts by we are arranging the order of transactions from the highest number to the Lowest number in order to charge overdraft fees per transaction. I recently had a account that was closed by them because they stated the account was overdrawn over {$700.00}, after the account was closed I had a deposit come in for {$930.00} which was a payment from my employer from a pension. I contacted the bank and requested to get my money from them as the account was closed I also received a statement from them telling me that my balance was XXXX on that account and they had a deposit of {$930.00} in my account. I tried speaking to a general manager at the Eagle National Bank XXXX XXXX XXXX XXXX and he was not very helpful. also called Eagle National Bank 's when he XXXX number at the regional office in New Jersey and the customer representative on the phone was not able to help me. I am seeking information on these accounts and have these overdraft fees wiped by Eagle National Bank I am seeking information on these accounts and have these overdraft fees wiped by Eagle National Bank and I am also seeking my check of {$930.00} to be returned by Eagle National Bank to me.",,Consent provided,Web,2016-05-17,Closed with monetary relief,Yes,Yes,CR1928901,3949
2016-05-17,Bank account or service,Checking account,Deposits and withdrawals,,"I have been a loyal banker with Eagle National Bank since 2004. Needless to say the service, intelligence and care for the customers has declined since first banking with this organization. 

I am writing to you XXXX in particular. I was at the XXXX XXXX on XXXX XXXX in XXXX, PA. I was waiting on camera in the drive thru, while your manager XXXX XXXX could obviously see my car holding up the line. She was just sitting outside, smoking and talking on her cell phone. ( check the video ) me yelling at an incompetent teller his name was XXXX. I was n't given any last names by the store manager XXXX. 

The lazy "" VP '' was just standing obviously hearing what was going on, watching and choosing to remain on her cell phone. Her employees made me wait for over XXXX minutes if not longer. 

I have an insurance check from XXXX written payable to my husband XXXX XXXX. XXXX has never had a Eagle National Bank account and he never will. 

XXXX 's direct deposits have always gone into my account with no question .... 

I was told many lies by the staff -- - 1. My check could n't be cashed bc my husband was n't there 2. The VP was in her office on her phone -- lies when I stormed in that 's when she brought her large self into the Eagle National Bank store -- please review footage XXXX. I was told by your "" VP '' and her person "" XXXX '' that the cops would be called on me. ( I said call them ) ( Even if they did come they would maybe ask me to leave. I did not cause malice or harm, just straight up dissatisfaction with EN. 
4. Your "" VP '' kept referring to me as "" Miss '' completely rude, I may look young and not have an old weathered face like you but I 'm no "" Hun '' or "" Miss '' 5. I was told by the XXXX man XXXX ( who you can barely understand bc of the accent ) that I had to sign a release to get the check deposited, ok I said give it to me. He said no you have to come back and get it. I said that 's the dumbest thing I have ever heard, you already are aggregating, and stupid but now when you are saying I have to come back again only at that time I get the release. 
6. According to this "" XXXX '' she also said I could sign this release and then get it cashed XXXX. Apparently noboby at Eagle National Bank knows what they are doing bc according to the "" VP '' that was an old thing that you guys use to do but do n't do it anymore. NOT OKAY 8. MY HUSBANDS $ ALWAYS GOES INTO THIS ACCOUNT AND WAS NEVER QUESTIONED THIS WILL BE REPORTED TO THE XXXX AND I WILL CONTINUE TO CALL AND EMAIL UNTIL I GET A FULL WRITTEN APOLOGY IT SEEM LIKE THAT "" VP '' OF YOURS WOULD HAVE CASHED THE CHECK- BC SHE ASKED ME HOW MUCH IS IN MY ACCOUNT? "" IS THERE ENOUGH TO COVER IT? '' Then when I called back to complain bc the number she gave me for her manager was magically not working?! She whispered she could put the check through, but then when I told her she already told me it would bounce back ... .I do n't understand why she would intentionally say she would n't put the check through, then she said she would, but if she is a manager then she should know that the "" back office '' would stop the check. Seems to me that she had ill intentions and purposely tried to make things harder. XXXX XXXX called me back phone number XXXX SHE TOLD ME TO GO TO A CHECK CASHING PLACE. 

THE ONLY KIND INDIVIDUAL THAT WAS WORKING DURING THAT TIME WAS A MAN NAMED XXXX, HE STOPPED WHAT HE WAS DOING AND JUST LISTENED TO ME AND TRIED TO BE KIND. HE WAS YELLED AT BY THAT XXXX VP XXXX TO GO SIT BACK DOWN. 

The check was from XXXX {$1100.00} written payable to my husband XXXX XXXX, we both signed the back of the check, I tried to deposit. Then got several different lies told to me by Eagle National Bank members. Basically there was an endorsement before and you could fill out a form and then have the bank check cashed, well apparently not all employees are on the same level",,Consent provided,Web,2016-05-17,Closed with explanation,Yes,No,CR1928041,2222
2016-05-17,Credit card,,Other fee,,,,Consent not provided,Web,2016-05-17,Closed with explanation,Yes,Yes,CR1929684,5393
2016-05-17,Credit card,,Credit determination,,,,Consent not provided,Web,2016-05-17,Closed with explanation,Yes,No,CR1926536,1880
2016-05-17,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,Consent not provided,Web,2016-05-18,Closed with monetary relief,Yes,No,CR1928319,1167
2016-05-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-17,Closed with explanation,Yes,No,CR1929414,2478
2016-05-16,Credit card,,Unsolicited issuance of credit card,,"This letter is being written in regards to an issue that Eagle National Bank ( EN ) is causing due to a credit card issue that they would not fix. 
The account was originally opened as a credit card with EN back in XXXX. 
The credit card, ending in XXXX, was opened as a single applicant in XXXX XXXX, under the name of XXXX XXXX. 
It has remained that was since that time indefinitely. 
Ever since that time, all bills and statements that were sent reflected only the name of XXXX XXXX both on the billing statements and on the online statements. 
I can easily prove this because I have saved each and every single statement. 
XXXX XXXX, the billings statements changed and reflected both the names of XXXX and XXXX on the bill. 
I contacted EN in regards to that and their answer was that it was always that way, which was a lie. I called back several times over the next 9 months constantly asking why all of a sudden did both names show up on the billing statements. No straight answer was ever given. 
XXXX XXXX was the only applicant to open the account and XXXX XXXX was only an authorized user, nothing more. 
However, now I started getting differing answers, nothing was consistent from one customer rep to the next. 
At first I did not make a big deal. I figured eventually it would be taken care of. 
However, every time I would call, I would get such different answers from all the reps, I made a more concerted effort. 
I now was demanding that they both remove XXXX from the account as well as provide proof as to when XXXX was added as a coapplicant. 
Again, every time I would call over the next 2-3 months to get a simple answer to the question of when XXXX was added as a co-applicant, I received a different answer every single time. 
I was initially told she was added in XXXX XXXX, then I was told she was added in XXXX XXXX, then it was sometime in XXXX, then it was sometime in XXXX and then sometime in XXXX. It was always a different answer. 
I always demanded for them to send any type of proof, but they have none. They have never had any proof because it never existed. 
They stated they had to do their research, but it was nearly a full year and they still had no solid answer, because it does not exist. 
I went to the local branch for help. The branch manager was extremely kind and helpful and did her best to help me. However, we still did not get a legitimate answer and of course, still no proof. 
As of XXXX XXXX, over a full year later, EN now states that elsi was added as a co-applicant just a few months after the account was opened. That sounds very convenient for them because now they do n't have to produce any proof because that is almost 15 years ago. 
I have exhausted all my opportunities directly with EN before I wrote to the Credit Agencies, who were unable to come to a resolution as well. EN was not willing to cooperate at all. 
XXXX XXXX should not and is not responsible for the EN credit card account ending in XXXX. She should also be removed from the account since she was never legally added on as a co-applicant properly and there is no proof of it. 
The EN card presently has a large amount that is owed on it. XXXX XXXX is the sole person that is responsible for that account and I accept that. 
We are humbly requesting that after you read the letter, you take into consideration the circumstances and the evidence presented. 
We ask that you help remove any negative reflections against XXXX that may be levied against her because of EN. 
We ask that you make sure XXXX is not hurt financially because of the banks mistake, a mistake I tried to correct for over a year with no success. 
We ask that XXXX 's credit remain intact and clean because it has always been that way and the bank had no right to illegally add her as a co-applicant without permission. 
Please understand, XXXX does not deserve to have her credit hurt because of their mistake 
",,Consent provided,Web,2016-05-16,Closed with explanation,Yes,Yes,CR1927332,2539
2016-05-16,Credit card,,APR or interest rate,,"XXXX XXXX XXXX, Please know that on XXXX XXXX, XXXX I filed a complaint with the Federal Trade Bureau ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) against the collection agency XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ). My reason for filing a complaint against XXXX and XXXX, is because they did not honor the written agreement we had between us. That agreement stated that I hadfive years, at a 0.0 % interest rate, to pay back XXXX XXXX debt. It might interest you to know that, due to my direfinancialsituation in the past, I was forced to make the exact same agreement XXXX 5 years and 0.0 % rate ) with other banks for unsecured debt that I had on XXXX other credit cards.I am now entering my fourth year of religiously making on time payments toward my debt for all my credit cards. However, XXXX is the only bank that has not honored the agreement, I have not had any trouble with the other banks whatsoever. 
The result of the XXXX complaint was that XXXX dropped me and your nice letter gave me a XXXX contact number to follow up with regarding future payments. I called the number many times and left repeated messages but never received a reply. Finally, because I was not able to converse with a live person and I did n't want to be late with my payments, I proactively decided to send my payments directly to the XXXX XXXX account department, even though my account was officially closed andin collection status andI was notexplicitlydirected to do so.ButI had no otherrecourse if I was to maintain my perfect payment record. Furthermore, I was fullyexpecting that BAMwould eventually assign my account to another collection agency. As of now that has not happened. Consequently, for over a yearI have been dutifully sending my payments in-on time-directly to XXXX XXXX. More importantly however, XXXX XXXX has received and cashed every XXXX of my payments. 
For this reason I was completely perplexed and shocked to find out that my XXXX score had dropped becauseon3/22/2016 XXXXhadmarked my account as delinquent.Which, incidentallyand to add insult to injury, only a few days later, on XXXX/XXXX/XXXX XXXX cashed my last payment to the account!! Now I ask you, how can I be delinquent of payment when my check was in fact cashed on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX? Not only was my last check cashed, but so were over a year worth of payments cashed! 
I would like to ask that thiscontradictionbe thoroughly investigated by your agency please. For your review, I am including allpaperworkpertinent to my accountand case with this letter. 
Finally, I would like to make XXXX last point regarding my past debt situation. I was forced to make some very difficult choices because at the end of XXXX my husband was XXXX and no longer able to work. Suddenly, our family ( my husband and XXXX daughters in College ) were forced to live on XXXX income instead of XXXX. Moreover, in order to negotiate a deal with the credit card companies for forbearance reduced payments, accordingly to all the banks, when I called I was told that I first had to default -- against my will -- and stop making payments for 180 days, even though I had a perfect payment record up until then. Most frustrating of all however, is that now -- when I am near completing all my debt repayments -- XXXX comes a long for the second time in roughly a year and tries to ruin myrepaymentrecord for no reason! It is dishonorable and unjust and I hope you will attend to and rectify the situation. 
Please do n't hesitate to contact me at my cell ( XXXX XXXX XXXX or my direct line at XXXX XXXX. XXXX XXXX XXXX XXXX to discuss this matter further. I have tried to contact you and have left messages, but not received a reply, which is why I am now sending you this letter. 
Thank you XXXX XXXX XXXX XXXX",,Consent provided,Web,2016-05-26,Closed with explanation,Yes,No,CR1926575,1060
2016-05-16,Bank account or service,Checking account,Using a debit or ATM card,,"I purchased concert tickets via an online ticket service ( XXXX ). Almost 2 hours later my bank account was hit for {$700.00}. Upon discovering it I contacted the bank and asked how they could allow this without my knowledge. They stated that they would send it to their fraud department and it could take up to 10 days. This left me with {$0.00} money in the bank and nothing to live off of. The transaction came out as XXXX XXXX but upon calling XXXX and talking to numerous people we were told that they did n't have any transactions from our card. This was used as a Debit Transaction so someone got a hold of my expiration date, security code and number. The only online purchase that was made with this card was to buy the concert tickets. Now, we were told that even though the {$700.00} says pending on our account they in fact have our money but neither Eagle National Bank, XXXX or XXXX XXXX is claiming any responsibility nor do I know if or when I will even get my money back.",,Consent provided,Web,2016-05-16,Closed with monetary relief,Yes,No,CR1927653,1359
2016-05-16,Credit card,,Billing disputes,,"I am writing to dispute a billing error in the amount of {$25.00} on my account. I submitted a payment of {$19.00} online for the balance on the Target Red Card on XXXX XXXX, 2016, a month prior to the payment due date of XXXX XXXX, 2016. The payment was posted on XXXX XXXX, 2016. The payment was not accepted and I was charged {$26.00}. I resubmitted the payment after being emailed an alert on XXXX XXXX, 2016 stating the payment was not received. I contacted Target to discuss the matter and resubmitted another payment for {$19.00} that day. Target Card Services customer representative would not correct the {$25.00} charge or provide me with information regarding the process to dispute the charge. The representative informed me that I could not dispute the charge because Target was not at fault. I found the address for Target Card Services on my own and wrote a letter to Target Card Services requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. The next month I was sent a bill with a {$25.00} charge in addition to the {$26.00} balance for the original fee charged by Target Card Services totaling {$51.00}.",,Consent provided,Web,2016-05-16,Closed with monetary relief,Yes,No,CR1926426,745
2016-05-16,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2016-05-19,Closed with explanation,Yes,Yes,CR1926760,3192
2016-05-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-16,Closed with non-monetary relief,Yes,No,CR1927926,1793
2016-05-15,Bank account or service,Checking account,Deposits and withdrawals,,A Eagle National Bank employe stole my money. I had a XXXX in there. I have been calling for 4 1/2 years and nothing is getting done. They closed my account without my permission. I want my money bank and want to file a law suit.,,Consent provided,Web,2016-05-15,Closed,Yes,No,CR1924549,3934
2016-05-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am reported to XXXX by Eagle National Bank ( EN ) for apparent fraud. There was never any fraudulent activity on my behalf. This was reported sometime in XX/XX/XXXX, but came to my attention in XX/XX/XXXX when I went to open up new bank accounts. I paid overdraft fees I supposedly owed EN and they allowed me to open a bank account. A few days later they closed my account due to chex systems. I then spent many many hours trying to figure out why I was unable to open up an account at any other bank. After, a lot of research I began writing both XXXX and EN to get this removed from the system. This began on XXXX/XXXX/XXXX when I sent my first letters out to EN and XXXX. I did not receive a letter from EN until XXXX XXXX, XXXX dated XXXX XXXX. Based on the XXXX XXXX, Eagle National Bank did not follow the proper time frame and procedures in the Fair Credit Reporting Act. 

Over the past 18 months I have kept a detailed history of the extra time and money that I have spent because I have been unable to open a bank normal account. With the help of some online forums, it was pointed out to me how they violted the FCRA. I was ready to go to small claims court Monday ( XXXX/XXXX/XXXX ) but was advised that you all might be one last stpo to give EN a chance to resolve this issue without the courts. 

I have my paperwork of certified mail return receipts and the letters that were enclosed. Eagle National Bank received all this as well and do not feel the need to submit them at this time as I was advised to wait until court to provide my paperwork.",,Consent provided,Web,2016-05-15,Closed with explanation,Yes,No,CR1924017,1913
2016-05-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I closed out my bank account over 3 years ago. At that time I turned in my keys to my safe deposit box. They continually send me bills for the safe deposit box that I do n't have and closed out correctly. The bills have added up to {$240.00}. 
I do n't owe this and contacted them in writing several times only to be ignored. 
My name is XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX. The Bank is Eagle National Bank, XXXX XXXX XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX My email is XXXXXXXXXXXX",Older American,Consent provided,Web,2016-05-15,Closed with explanation,Yes,No,CR1925499,12726
2016-05-15,Credit card,,Billing disputes,,"In XXXX XXXX, I had applied for XXXX XXXX to XXXX, on the XXXX XXXX. For XXXX XXXX, I got charged twice via XXXX transactions for the same XXXX. I called the Vendor and I was assured that there was only transaction recorded. The first transaction ended in error necessitating the second transaction. So for issual of XXXX XXXX XXXX I got charged twice. The vendor issued only XXXX XXXX, but charged me twice. Upon calling the Eagle National Bank a credit in amount of {$61.00} was issued correctly. Now the Eagle National Bank has re-instated the charge of {$61.00} despite the vendor providing only XXXX XXXX but charged twice. The vendor supplied the paper work for charge proving its validity but hid from the Bank that it issued only XXXX XXXX but charged twice. The transaction reference # XXXX. The date of Original transaction is XXXX/XXXX/XXXX and the date of debit is XXXX XXXX, XXXX",,Consent provided,Web,2016-05-15,Closed with monetary relief,Yes,No,CR1927181,2884
2016-05-15,Credit card,,Other fee,,,,Consent not provided,Web,2016-05-16,Closed with explanation,Yes,Yes,CR1924936,1511
2016-05-15,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-05-15,Closed with monetary relief,Yes,No,CR1925202,341
2016-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,"I have an ebanking checking account with Eagle National Bank. My mother went to the bank and deposited a check that was in my name into my account. It had been sent to her house. I was charged a monthly maintenance fee of {$8.00} because my mother went to the teller to do this. 

I do n't think it 's fair that I 'm charged a fee for something which my mother did? It makes no sense to me. I have no control over whether she goes to the teller or not. I only use self-service options and receive a paperless statement so there should be no fee. 

I have tried to clear this up but BofA continues to give me the run around.",,Consent provided,Web,2016-05-14,Closed with monetary relief,Yes,No,CR1923906,3179
2016-05-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I received several envelopes from Eagle National Bank and they were in response to CFPB complaints. I called EN afterwards and got A Confirmation number XXXX after being disconnected three separate times at the supervisory level. They stupidly dialed the phone number and when to went to voicemail they hung up ; leaving me nowhere. I had tried calling ( XXXX ) XXXX in XXXX, XXXX XXXX. The envelope said a completely different state than the postage mark ( meter serial number XXXX ) versus the other XXXX zip code. Did someone steal envelopes ; leave XXXX and flee to XXXX with them??? An email I forwarded to XXXXXXXXXXXX was enclosed inside one envelope with zero explanation as to how that would result in me receiving it a month ago in the first place. The person on one of the calls surmised that the XXXX call I received the other day from EN was where that email went ( XXXX ; separate CFPB complaint, a day or two ago ). Is n't there a central Fraud department? No. Is n't there a specific location where XXXXXXXXXXXX emails go? No. Each of the phone numbers indicates it is a "" debt collector '' but I owe no debt to them. So the envelope, the letter writer today - who coincidentally happens to be - the suspicious emailer a month ago identified as an "" Officer '' of the bank whose boss is the V. P., at her XXXX office, is nonsensical. I was trying to get the address to write to the Attorney General of XXXX and give him all this information. I will just have to let that person figure it out. The waste of time in the phone today resulted in no information. Everything at this bank is cryptic. No one knows the answer to the simplest question. So I wanted to fill out a police report since my XXXX XXXX 2016 call and have never had a proper response to my initial call including this letter dated XXXX XXXX 2016. A whole month to get it together. I also called back the Office of the Comptroller of Currency in XXXX, to add this latest letter to the previous letter I mailed them a month ago, and that CFPB has. One oddity is the calls, voice mail messages and the envelopes have no authenticity nor professional look to them. Anyone reading the email would think it is spam. There is no specific information on anything to connect the dots. How did this person get my email? How did they ( XXXX XXXX emailers ) get my home address? Especially after the Fraud department told me to forward it to XXXXXXXXXXXX? Makes no sense. Hopefully the XXXX attorney general can navigate the crazy system in XXXX better than me. Since I ca n't actually speak to anyone that provides their phone number because no one ever answers the phone since a month ago. I am not going to leave a message without knowing who and what this "" debt collector '' wants to speak to me about. The communication is terrible! The rest of the contents are redundant to other CFPB complaints that relate to EN since XXXX XXXX 2016. I never heard anything from and fraud department from any of the XXXX states. They told me they were mailing something "" right away '' a month ago. I never heard from any abuse @ department from any state. So it is really sloppy customer service to ask me XXXX questions and to get zip in return. Lastly, the various replies I got from the bank are incorrect and illegal. So new correct letters need to be written. 
",,Consent provided,Web,2016-05-14,Closed with explanation,Yes,Yes,CR1925498,2938
2016-05-14,Credit card,,Balance transfer,,card acct was activated w/o consent,Older American,Consent provided,Web,2016-05-16,Closed with explanation,Yes,No,CR1925744,778
2016-05-14,Credit card,,Billing disputes,,"Ok, first problem is that I have {$15.00} in rewards that I am not being allowed to redeem because I did not meet the {$25.00} minimum requirement before they closed this account. Next, the 0 % interest agreement was for almost 2 years, including more on the balance transfers and I am still getting charged interest. This XX/XX/XXXX month, I was charged almost {$60.00} in interest that should not be there.",,Consent provided,Web,2016-05-14,Closed with explanation,Yes,No,CR1925172,62
2016-05-14,Credit card,,Billing disputes,,"REPORTING VIOLATION OF STATE AND FEDERAL LAW BY Eagle National Bank. Our Eagle National Bank ( BofA ) Visa experienced some $ XXXX in unauthorized charges. Reported these to BofA on XXXX XXXX, 2016, both with a phone call on that date, and a letter on that date, and they removed the charges, and sent us a letter dated XXXX XXXX, 2016, that "" the fraud investigation '' "" had been completed and closed, '' but some five months after the original charges the charge reappeared on XXXX XXXX, 2016. This is in violation of state and federal law. We are in California - both CA Civil Code sec. 1747.5 and the federal Fair Credit Billing Act, including 15 USC 1601, et. seq. and 15 USC 1666, provide that after BofA received notice on XXXX XXXX, 2016, of a billing error ( in this case an unauthorized use ) of the credit card, once two billing cycles ( or no later than ninety days ) have run, whichever comes first, the creditor is prohibited from reversing any corrections to the account related to the billing error brought to its attention. Two billing cycles after our reporting the fraud expired on XXXX XXXX, 2016, and even the maximum 90 day period ended XXXX XXXX, 2016. After BofA ruled in our favor on XXXX XXXX, 2016, and removed all charges, they were precluded by law from reinstating the charges on XXXX XXXX, 2016. 

Also, BofA discovered that fraudulent charges led to some address over XXXX miles away from me that is not ours. We FAXed to BofA Fraud Claims "" Reconsideration '' department last week a detailed packet outlining how the evidence proves in fact that the charges were unauthorized - for example that XXXX XXXX XXXX has shut down the fraudulent telephone number opened in my name, that the address XXXX miles away from me was a fraud address we have never lived at and has been removed from my credit profiles and a fraud alert placed on them. BofA never verified or confirmed any of these charges with us - the first we heard of them is when they appeared on our statement a month after being made. The law 15 U.S.C. 1643 ( b ) states that the burden of proof is on the card issuer to prove that the charges were authorized - I do not have to prove that the charges were unauthorized. In any case, this is an unfortunate situation and I feel bad for the merchants but someone has opened a fraud telephone account for me at a fraud address we do not live at, and submitted a fraud order to try to use my credit card for shipment of goods to a fraud address. This is more than credit card misuse this is account takeover. BofA must remove all these charges because we will not pay for unauthorized charges, never. BofA has violated state and federal law by reinstating these charges that they already removed, after the two billing cycle / 90 day statutory period. 
",,Consent provided,Web,2016-05-14,Closed with explanation,Yes,Yes,CR1925572,437
2016-05-14,Credit card,,Closing/Cancelling account,,"Nordstroms is illegally reporting my account as over 180 days late on an account that was never late. I filled a chapter XXXX bankruptcy and Nordstroms closed my account and would not take anymore payments from me. I called them and they told me they legally could not take a payment from me after filling bankruptcy. My account was never late before the filling and should not be reported as late now. I 've attempted twice to contest this and they fail to act. Nordstroms also reports XXXX different statuses on the XXXX credit reporting agencies. XXXX shows ; open, 180 late, reporting monthly. XXXX shows ; closed, late, not reporting anymore. XXXX is showing ; closed, 180 days late and reporting monthly.",,Consent provided,Web,2016-05-14,Closed with non-monetary relief,Yes,No,CR1925151,206
2016-05-14,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-05-14,Closed with monetary relief,Yes,Yes,CR1924799,353
2016-05-14,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-05-14,Closed with explanation,Yes,No,CR1924069,2832
2016-05-13,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a checking and savings account in XXXX XXXX with a promotion to receive {$300.00} for qualifying actions. I fulfilled these actions and the bonus was to be awarded within 90 days of qualifying. On XXXX XXXX, XXXX I contacted Eagle National Bank and spoke with XXXX XXXX XXXX to inquire as to the status of the promotion and was advised that I would receive the incentive within 10-14 days. When I did not receive it I followed up on another 2 occasions within the next month or so. I was told that it would be escalated and should post within a week from those conversations. On XXXX XXXX, XXXX I was notified on my 4th call that it turned out that I did not qualify. I requested from XXXX ( name of manager I spoke with ) that it be escalated again to be reviewed since I was actually notified by XXXX separate representatives previously that I had qualified. I was told I would hear back within 30 days. I never heard back. On many of these calls, I waited for a supervisor to be brought on the line, and was also promised a call back from either the original representative or the supervisor him or herself within an arranged time frame. No one ever called. Furthermore, messages sent internally ( on follow up calls ) from XXXX representative to the original representative I spoke with remained unanswered and no follow up was ever done contrary to the promises provided. I received a notice via postal mail dated XXXX XXXX, XXXX that it was once again escalated and I would be notified in writing. I called again on XXXX XXXX, XXXX ( following 30 days of no response ) and in this call the supervisor I spoke with acknowledged the ongoing issue and guaranteed that I would receive the bonus and that it was just a matter of time. On XXXX XXXX, XXXX after not hearing back at all, I called once again only to be told that my escalation request was denied again for the same reasons that it was originally denied for : I did not qualify. However, the representative credited my account for {$50.00} for the promises that were unkept and my time that was wasted. I informed the representative that after they delivered what was promised to me by them, as an additional compensation, I would gladly accept those {$50.00}. I was strung along and promised things that could not or would not be delivered. My time was wasted. I was lied to or misinformed on multiple occasions. I contacted the bank at least 6 times over 4 months and yet this issue remains unresolved to my satisfaction.",,Consent provided,Web,2016-05-13,Closed with monetary relief,Yes,No,CR1924404,11886
2016-05-13,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"On XX/XX/XXXX a "" Small Balance Adjustment '' of {$.00} was taken from my account. Four out of the last 5 months this same "" Small Balance Adjustment '' has taken place. This "" Small Balance Adjustment '' has happened on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Submitted complaints every month after this "" Small Balance Adjustment '' occurred with no resolution to this matter except, not to keep a balance in the account that was an overpayment on my part. On XX/XX/XXXX I received a phone call from XXXX ( XXXX Ext XXXX ) and was told they expect to have the problem resolved by XX/XX/XXXX. Also informed her I did not want a check mailed to me for {$71.00}, which was the overpayment in my account. At this time I requested a letter be mail to me to confirm our phone conversation. As of today, XXXX XXXX, XXXX I have not received any letter to confirm our phone conversation. I did receive check number XXXX, dated XXXX in the amount of {$.00} which was the overpayment in my account as of XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX, a Customer Service Rep ( Employee XXXX ) in your XXXX, VA office. He suggested to place a stop payment on the above check, which he did on XX/XX/XXXX and the {$.00} ( amount of the check ) would be applied back to my account in 3-5- business days. As of today, XXXX XXXX, XXXX, the {$.00} has not been applied back to my account. I am requesting the {$.00} and the {$.00} in question be returned to my account which were removed at a "" Small Balance Adjustment '' on XX/XX/XXXX and XX/XX/XXXX. Please also advise if the "" Small Balance Adjustment '' problem was resolved on XXXX XXXX. If it has not please advise when the problem will be resolved. This issues was reported to Eagle National Bank in XXXX, XXXX, which is 5 months ago, and still it is a on going issue. Per XXXX XXXX ( XXXX Ext XXXX ) I was informed the "" Small Balance Adjustment would be resolved by XX/XX/XXXX. What happened? Please also inform me as to what steps Eagle National Bankn has taken to resolve this issue. Thanks for you help and please call me at XXXX and confirm our phone conversation with at letter stating what was discussed.",Older American,Consent provided,Web,2016-05-13,Closed with monetary relief,Yes,No,CR1924471,3972
2016-05-13,Credit card,,APR or interest rate,,"I had credit card debt with Eagle National Bank while I was XXXX in the XXXX ( XX/XX/XXXX-XX/XX/XXXX ). After I separated from service, I noticed XX/XX/XXXX that my card balances were unexpectedly much lower. I called Eagle National Bank to inquire about the reason for the balance change. They told me on the phone that they had incorrectly charged me higher interest than was allowed under the Soldier & Sailor Act and that consequently, they had lowered my balance to adjust what they had illegally charged. So I never saw this money - it was just fraudulent interest followed by elimination of fraudulent interest. After I filed my XX/XX/XXXX tax return, I received a XXXX from Eagle National Bank with a total reported "" income '' of ~ {$10000.00} ( the amount that they had adjusted my balance ). Again, I never saw this money, so I did n't think I should have to pay taxes on money that was illegally charged and then corrected. I just got a letter in the mail from the IRS stating that I owe {$2600.00} in back taxes because I did n't claim the Eagle National Bank income. In my opinion, Eagle National Bank made a mistake reporting this as income to the IRS and should have corrected it, but clearly they did n't, and now I am stuck having to deal with the IRS to explain the situation. All of this because I volunteered to serve in the XXXX and EN messed up the interest charges on my account.",Servicemember,Consent provided,Web,2016-05-13,Closed,Yes,No,CR1921700,371
2016-05-13,Credit card,,Other,,"i received a call from a XXXX telling me he was with XXXX.he proceeded to tell me he could set up an llc and file all necessary paperwork with both the state and irs.the company and XXXX never provided me any service and the merchants merchandise was not as described.XXXX called me on XXXX XXXX and reviewed expenses i listed for a grant.there was also no grant.i called my credit card Eagle National Bank to report this scam and i had been taken for XXXX.i explained the whole situation to them to no avail.they told me i waited to long.this company strung me along i believe to make sure i could not dispute. i wonder how Eagle National Bank could let somebody like this have a merchant account with their bank.even with no goods or services Eagle National Bank paid these people and took my money.i dont believe Eagle National Bank looked into this at all because even the money paid for this service was illegal.if i cant count on my financial institution what do i have them for. 
",Older American,Consent provided,Web,2016-05-13,Closed with explanation,Yes,Yes,CR1923833,2167
2016-05-13,Credit card,,Other,,,,Consent not provided,Web,2016-05-13,Closed with explanation,Yes,Yes,CR1924481,780
2016-05-13,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-05-13,Closed with explanation,Yes,No,CR1925793,4941
2016-05-13,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-05-13,Closed with explanation,Yes,No,CR1923726,934
2016-05-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-16,Closed with explanation,Yes,No,CR1925668,136
2016-05-12,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank took money from my bank account for a 2014 debt without notifying me. The debt occurred as a result of the bank 's negligence in not having a business continuity plan. They failed to close their XXXX office despite warnings of a severe snow storm. As a result, I was stranded for over 21 hours on the interstate. As a result of that calamity, I was hospitalized at XXXX receiving XXXX. The Bank further damaged me by not approving my leave and I did n't receive a paycheck while out on leave. This caused my account to become overdrawn. By the time I appealed and fought the decision not to pay me, my account had been closed. At no time did the bank give me an opportunity to try and settle this debt. Instead, they waited 2 years to take money from my account without warning. Eagle National Bank has a history of abusing the elderly and XXXX veterans.",Older American,Consent provided,Web,2016-05-12,Closed with explanation,Yes,No,CR1922813,2644
2016-05-12,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited a contract payroll check on XXXX/XXXX/2016 at a local Eagle National Bank branch. The teller indicated that a hold would be placed on the check since my account was overdrawn due to a bank error that I filed in another CPFB complaint. More on that later. The funds would be available on XXXX/XXXX/2016 after XXXX. according to the teller and the deposit slip I received. The next day I received a call regarding my other CPFB complaint. I returned the call and left a message. Today on XXXX/XXXX/16 the CPFB complaint was resolved and the fees I was assessed for a debit charges that were label 'recurring ' when in reality they were not were reversed. I was happy with that outcome. The bank fixed the error. Subsequently, I went to check on the status of my funds because I was told they would be available today and so did the deposit slip I received. I chatted with an online customer service representative. She indicated that funds would be placed on an extended hold because the payroll check from a XXXX was likely to bounce. I asked what specific information that the bank received to put an extended hold on the check and she told me that it was automated and she could n't do anything about it. Additionally, I asked if I could get the check back and she said because it was in processing that I could not. I asked my employer if the check had a possibility to return and they said that there was no way that the check would bounce. The check is basically coming from a quasi-governmental agency. Additionally, the extended hold will last until XXXX. Eagle National Bank said they only process information during business days. Additionally, the bank will not let any of the funds released because I am in the negative, which as was already stated was their fault and fees were reversed. I talked with XXXX different representatives on the phone and online and the bank could not give me a clear answer as to why suddenly the check was placed on an extended hold. The bank did not notify me of this extended hold. Thankfully, I chatted online and called customer service. I have reason to believe that Eagle National Bank retaliated against me for filing a report with the CPFB by placing an additional hold on payroll funds. Moreover, this caused great harm to my financial situation because I ca n't pay my rent and I ca n't even buy groceries. There should be a mechanism where I can receive the supposedly "" bad '' check so that I can cash it at XXXX or another place. Eagle National Bank is basically holding my funds hostage in retaliation for filing a valid complaint against the labeling of XXXX charges as 'recurring ' charges.",,Consent provided,Web,2016-05-12,Closed with explanation,Yes,No,CR1921956,1625
2016-05-12,Bank account or service,Checking account,"Account opening, closing, or management",,"I have had a Eagle National Bank account for approximately 30 yrs they started charging XXXX per month for servicing checking, savings account. At the time I had XXXX accounts with them, I was extremely concerned they were taking XXXX per month for my accounts. I closed XXXX account and the rep told me if I I made a direct deposited XXXX per month into that account I would not receive a fee for that account. I started to make the direct deposit every pay period which is biweekly totaling XXXX per month. I checked my account and it was showing fees of XXXX per month for the account totaling XXXX in fees after I did what they advised me. Calling Eagle National Bank the rep informed me it has to be XXXX deposit totaling XXXX to not receive the XXXX fee. This is stealing my money. This is absolutely usury and I am disgusted with the business practices of BofA. My XXXX Banking account does n't charge me fee.",,Consent provided,Web,2016-05-12,Closed with monetary relief,Yes,No,CR1923352,8667
2016-05-12,Credit card,,Identity theft / Fraud / Embezzlement,,"Eagle National Bank ( BofA ) just assigned a new account number, as there was a "" data compromise at a merchant where you do business ''. BofA customer service representative state that the Bank does not know which merchant 's data protection measures were inadequate. Apparently, the XXXX organization does not report that to BofA. XXXX simply reports the account numbers that were - or may have been - compromised. My question is simply. Can CFPB compel XXXX to disclose to cardholders the name of a merchant, whose inadequate data security led to the account compromise? I want this information, as I do not want to do business with any company, that has inadequate data protection measures. I have no concerns about financial liability for any fraud : the law shields me. I simply want to be able to re-direct my business away from those, who do not grasp the paramount importance of data security. 
",Older American,Consent provided,Web,2016-05-12,Closed with explanation,Yes,Yes,CR1923029,4672
2016-05-12,Credit card,,Billing disputes,,Eagle National Bank is denying a fraudulent charge.,,Consent provided,Web,2016-05-16,Closed with monetary relief,Yes,No,CR1922767,7100
2016-05-12,Credit card,,Balance transfer fee,,"I have been with Eagle National Bank for nearly 10 years now. It was my first and has been my primary bank account. Recent decisions have protected my investment in the stock but have lowered my confidence as a customer and today 's events was my breaking point with this organization. I waited nearly 40 minutes today to deposit money in my bank account. In summary, I was offered the opportunity for a 0 % interest rate for the next 16 months and the documentation I received indicated I could use it for a balance transfer or to deposit it into my checking account. There were several issues with this ( including it being XXXX over ) that were trivial and not conducive treatment of a "" Preferred Rewards '' client. Ultimately, I was told that they would not extend the promo to me and I would have to pay a nearly {$800.00} fee for transaction AFTER the transaction was completed.",,Consent provided,Web,2016-05-12,Closed with monetary relief,Yes,No,CR1923020,4531
2016-05-12,Credit card,,Late fee,,"On XXXX XXXX, 2016 I realized I had not made my XX/XX/XXXX payment on my account. I called customer service and explained to them that my Mother had transitioned on XXXX XXXX, 2016 and I was so involved with making plans for her services on XXXX XXXX, 2016 and away from home so I had not paid my creditors. I was told that the late fees would be waived this time when they received the payment. I made my regular monthly payment on that day but noticed on XXXX XXXX, 2016 the late fees had not been removed. I called again and was told it would be reversed in 24-48 hours. 
On XXXX XXXX, 2016 I called because there was an {$8.00} past due balance on my account. I was told on numerous occasions that it was a past due fee and not a late fee which had to be paid. 
I wrote a letter to headquarters and asked that they respond by XXXX XXXX, 2016. To date they have not contacted me. 
My problem is I do n't see any difference between a late fee and a past due fee. Also, my agreement does not mention anything about such a fee. I am wondering how many other people they are charging this fee and how much they are charging since there is no written policy in the agreement. Is this legal and can you assist me in getting this fee removed from my account? I have not paid the fee due to I do n't think it is legal. 
",Servicemember,Consent provided,Web,2016-05-14,Closed with explanation,Yes,Yes,CR1922562,4048
2016-05-12,Credit card,,Billing disputes,,"Our Eagle National Bank ( BofA ) Visa experienced some $ XXXX in unauthorized charges. Reported these to BofA and removed the charges, and sent us a letter dated XX/XX/2016m that "" the fraud investigation '' "" had been completed and closed, '' but some XXXX months after the original charges the charge reappeared. BofA discovered that fraudulent charges led to some address over XXXX miles away from me that is not mine. I FAXed to BofA Fraud Claims "" Reconsideration '' department today a detailed packet outlining how the evidence proves in fact that the charges were unauthorized - for example that XXXX XXXX XXXX has shut down the fraudulent telephone number opened in my name, that the address XXXX miles away from me was a fraud address I have never lived at and has been removed from my credit profiles and a fraud alert placed on them. BofA never verified or confirmed any of these charges with us - the first we heard of them is when they appeared on our statement a month after being made. The law 15 U.S.C. 1643 ( b ) states that the burden of proof is on the card issuer to prove that the charges were authorized - I do not have to prove that the charges were unauthorized. In any case, this is an unfortunate situation and I feel bad for the merchants but someone has opened a fraud telephone account for me at a fraud address I do not live at, and submitted a fraud order to try to use my credit card for shipment of goods to a fraud address. This is more than credit card misuse this is account takeover. BofA must remove all these charges because I will not pay for unauthorized charges, never. 

Eagle National Bank should remove the unauthorized charges from my Visa. I will not pay for any of them they are unauthorized and the burden of proof is on BofA to prove that they were authorized, which it has not done and they were not authorized. 
",,Consent provided,Web,2016-05-12,Closed with explanation,Yes,Yes,CR1921969,5171
2016-05-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,have a personal loan with Eagle National Bank terms are five yrs I can not get a print out of my payments have extreme difficulty when I request it told since it is an automatic deduction each month there is no print out for me to see. Absurd I willnot go paperless there is enough identity theft as is.,,Consent provided,Web,2016-05-12,Closed with explanation,Yes,No,CR1921725,3384
2016-05-12,Credit card,,Late fee,,,,Consent not provided,Web,2016-05-12,Closed with explanation,Yes,Yes,CR1921855,601
2016-05-12,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-05-12,Closed with explanation,Yes,No,CR1922602,1142
2016-05-12,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-05-12,Closed with non-monetary relief,Yes,No,CR1921736,1530
2016-05-11,Bank account or service,Checking account,Problems caused by my funds being low,,"I was seeking an employment opportunity made available in relationship to my work with the XXXX as an enrolled member of a XXXX. In the process, I had applied to many different jobs, some could be directly applied to on XXXX and others you had to set up separate accounts and apply through those agencies. I got notification from a company called XXXX they conducted an interview, had me take a test of skills & abilities, and then hired me. I got notification saying, "" CONGRATULATIONS, XXXX is pleased to offer you the position of an XXXX. You 're Hired '' I asked them certain questions about wanting to meet with them in person, wanting to meet with my training supervisors, wanting to have a video conference. There answers to this was, "" Once you receive your working materials, a representative will be coming to your home to inspect your working materials and discuss any issues you will be having. As we proceed further you get to know more about the job and its duties. '' So this did seem little little disguised and not as straight forward as I would like ; however, I decided to give them the benefit of the doubt since I did n't want to blindly assume this was a fraudulent activity. So, with my skepticism, I chose to just take this job one step at a time, to not commit myself to anything that seemed fraudulent, deceptive, or misleading, and to try to use the advice of my banking institution to help me make my assessment and judgment in pursuing my career. This company, XXXX said they were going to send me out a check to purchase the computer hardware & software that I had to have for the tracking of this in-home accounting position to track my hours and send my work that I do. I received the cashier 's checks which turned out to be 3 checks from 3 different people from two different organizations, with letters from 3 different financial managers telling me what to do with the funds ( deposit them and report back to them ). Then they told me to purchase the hardware from the their corporate vendor to whom they have all their employees conduct their business through. So, one step at a time, I explained my situation to the to the banking manager. They told me, "" It sounds a little fishy .... I would n't even deposit the checks! '' I asked the banking manager, "" But, is n't there any way that I could take a more secured manner of approach without completely abandoning my new employment opportunity under a mere assumption that it might not be legitimate? '' But, they refused to advise me any further. So what was I supposed to do? Tell my new employer to go fly a kite and get lost just because my bank had told me, "" I do n't know it sounds a little fishy to me? '' I kept thinking, "" Is n't there a way that I could test this hypothesis without committing myself to fraud if it existed but not abandoning my new employment opportunity? '' So I decided to deposit the cashier 's checks to see if they were legitimate. After all, they were cashier 's checks, and I could n't be charged a fee for NSF if that was the case! The first cashier 's check cleared so I thought that there must be some legitimacy there! '' But I come to find out a few days later that I had two deficit balances of $ XXXX & $ XXXX in checking & savings, respectively. My accounts were closed. I spoke to the bank manager. She refused to help me but told me to take it up with the human resources department at the bank. Ultimately, they, too, would n't do anything else to assist me in getting to the bottom of this matter. They claimed my account had been closed, that I could no longer bank at this institution, that this would go on my credit record, and that I might not be able to bank with anyone else. Why did n't they just assist me from the beginning in taking some extra preventative steps to hold the checks until they did clear?",,Consent provided,Web,2016-05-11,Closed with explanation,Yes,No,CR1918364,2838
2016-05-11,Bank account or service,Checking account,"Account opening, closing, or management",,"In XXXX, I opened a Eagle National Bank checking account. In XXXX XXXX, while watching XXXX footage I decided to join the XXXX. After joining, I visited my local branch office in XXXX, XXXX and spoke to a representative. I provided them with my XXXX to show that I was XXXX XXXX XXXX and deploying. I requested and completed paperwork for my checking, savings, and credit cards to be converted to Military accounts. This conversion would have given me specific benefits that save me a lot of money while over seas and banking. Over the many years that have past, I continued using my Eagle National Bank products, such as my debit card. As a loyal member, I never second guessed the bank. I simply did n't have the time to check on my statements and was preoccupied with other important issues, within the Military. Worrying about my bank statements was the last thing on my mind. Recently, I was approved to come home ( USA ) and I settled in XXXX. After buying my home and getting married, I had the peace of mind to sit down and review years of financial statements. When I logged in to my Eagle National Bank accounts, I was stunned to learn that I did n't have access to more than several months of information. I began looking through the information I had available. I noticed there were so many fees. There were maintenance fees, International Transaction fees, ATM fees from over seas, overdraft protection fees, and it almost seemed as if there were fees for having too many fees. I called the bank and requested my account be closed, after 11 years of membership. I was told by the representative that my account had never been processed to reflect it was a Military account. This failure to complete that process, meant that I did n't receive the benefits of a Military account. The representative quickly reimbursed me for maintenance fees for this month only. I was informed that I should not have been subject to any fees, specifically maintenance fees of unknown amounts ( as the fee price has fluctuated over my tenure as a member ) and transaction fees, as well. Not to mention, she stated that ATM fees should have been waived too. She quickly transferred me to the Military Department. The new representative agreed that the Military accounts have specific benefits which civilian accounts do n't share. But, unlike the first representative he refused to tell me what those benefits might be. Instead, he asked me to wait a few days, while they reviewed the account to determine which benefits they will approve for me. I was appalled, as the benefits should be what they are, despite the current status of my account. I felt as though they wanted to review what their liability was and then pick and choose what they will reimburse me for. I asked that he explain the benefits and he continued to refuse.",Servicemember,Consent provided,Web,2016-05-11,Closed with monetary relief,Yes,No,CR1918272,876
2016-05-11,Bank account or service,Checking account,"Account opening, closing, or management",,On XX/XX/XXXX I opened a bank account at Eagle National Bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX California . The Banker seemed friendly I told him my reasons for opening the account was because I had written a book and wanted to accept payments from XXXX XXXX. I was also expecting a check from a car accident. The Insurance check came and I deposited into the ATM. I was later contacted and told there was fraud and that I had deposited a check from the account I just opened .As the insurance check. Then a few days later when I had my lawyer contact bank to verify that the check was Not a starter check from my own acvount. I have written EN and send in countless faxes and other documents. I was diagnosed with XXXX XX/XX/XXXX so my battle was stopped but during my XXXX battle I have submitted also numouris identity theft claims. I just want my like back.I have been even unable to get a job behind this.,Servicemember,Consent provided,Web,2016-05-11,Closed with explanation,Yes,No,CR1921448,3002
2016-05-11,Credit card,,Billing statement,,"Hi, I have owned a XXXX AMEX credit card for the past two years. This particular card has sat in my home safe since I 've received it. It 's never been held by anyone, never been used. This past month I receive a statement that shows I owe {$0.00} ( that is correct, XXXX cent/penny ). I am pasting my statement below to show this fraudulant charge. Since nobody has or have accessed my card sitting in my safe, logic dictates that XXXX XXXX XXXX added this made up charge to my credit card. 

XXXX Page XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/2016 Account Information : XXXX Payment Information Account Summary Mail billing inquiries to : New Balance Total XXXX {$0.00} Previous Balance XXXX {$0.00} XXXX XXXX XXXX Current Payment Due XXXX {$0.00} Payments and Other Credits XXXX XXXX XXXX XXXX Purchases and Adjustments XXXX XXXX XXXX XXXX TX XXXX Total Minimum Payment Due XXXX {$0.00} Fees Charged XXXX XXXX Mail payments to : Payment Due Date XXXX XX/XX/2016 Interest Charged XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment Warning : If we do not receive your Total Minimum Payment by New Balance Total XXXX {$0.00} XXXX TX XXXX the date listed above, you may have to pay a late fee of up to {$35.00} and Customer Service : your APRs may be increased up to the Penalty APR of 29.99 %. Total Credit Line XXXX {$7500.00} XXXX Total Credit Available XXXX {$7400.00} Cash Credit Line XXXX {$750.00} ( XXXX TTY ) Portion of Credit Available for Cash .... {$750.00} Statement Closing Date XXXX XXXX Days in Billing Cycle XXXX XXXX Transactions Transaction Posting Reference Account Date Date Description Number Number Amount Total Purchases and Adjustments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}",,Consent provided,Web,2016-05-27,Closed with monetary relief,Yes,No,CR1917952,750
2016-05-11,Credit card,,Credit line increase/decrease,,I have an account with Eagle National Bank and recently I got a letter in the mail stating that my credit limit was decreased and that they did a random review and decided upon that. I then called the company stating that because they did decrease the limit my debt to credit ratio will be higher. I was assured because I have not used the card it would not be up. Well a week later I got a statement stating that my bill will go from {$58.00} to {$150.00} this is all in the span of a week. I reached out to several associates including a supervisor and the companies consolidation firm and was told I didnt qualify for anything because I had a great payment history. I was confused because the increase on my low income would be hard to pay considering my budget. I was also told that if I can afford one payment I could afford the other and try government agencies like welfare and food stamps. I have never had a company decrease my limit and had a huge jump in payment when the card hasnt been used in months.,,Consent provided,Web,2016-05-11,Closed with explanation,Yes,No,CR1921056,2394
2016-05-11,Credit card,,Transaction issue,,"On my XXXX credit card statement from XXXX XXXX XXXX, I had a balance due of {$7700.00}. I paid this balance in full on XXXX XXXX. On XXXX XXXX, without any notice or warning to me, XXXX XXXX XXXX withdrew an additional {$7700.00} from my personal checking account. I asked them to refund the money and their initial response to me was that they would issue a refund in 5 -7 days. I contacted them today, as the seven days were up, and they said it could be another seven days before a decision is made to refund me my money. They said this was because the refund was over {$7500.00}. I told them this was creating a financial hardship, and that they had no right to make the withdrawal from my checking account as no payment was due. Their response was, we are sorry, but they have a policy. I asked to see the policy, and they refused to do so. I have never had such treatment from a major financial institution. It was their error, they acknowledge that. They should be refunding the funds promptly. 

No one at XXXX XXXX XXXX has expressed any doubt that I am due a refund. They are just holding my money, and not keeping their promises as to when they will give it back to me.",Older American,Consent provided,Web,2016-05-27,Closed with monetary relief,Yes,No,CR1921174,6342
2016-05-11,Credit card,,Billing disputes,,"The credit card regarding this complaint is with BankAmericard. We received a balance transfer offer with this card which we did use back on XXXX XXXX, XXXX totaling {$8600.00} plus their transfer fees. We took another offer on XXXX XXXX, XXXX totaling {$3100.00}, plus fees. Their fees are XXXX % of the transfer amount. The first offer had no finance charges/interest until XXXX XXXX and the second offer we took in XXXX XXXX had no finance charges/interest until XXXX XXXX. Those XXXX transaction dates were the only ones. On XXXX XXXX, XXXX I received my monthly statement and noticed a balance adjustment posted to my account and it listed it as a check cash advance. We immediately contacted the company and first spoke to XXXX in customer service for almost 50 minutes while she tried to figure out and try to reason with why they have that on the statement. While researching this transaction, we found out that they did this several times on our monthly statements ( 8 previous times is the only information she could provide because she only had a certain look back period ). Since she was flustered with this call and not being able to explain how corrupt the transactions were, her supervisor XXXX came on the phone. Both representatives were located in the XXXX PA call center, since I asked for their Eagle National Bank ID # they would not provide me the information. Here is the issue : every month we make payments to the card and always make MORE than the minimum payment each month. They told me that the reason I see on the statements a transaction of a check cash advance is because they have to MANUALLY APPLY MY PAYMENT TO THE FIRST PROMOTION DONE IN XXXX XXXX. Being in the legal field I would think maybe that my statement should NOT state that I took a CHECK CASH ADVANCE, WHEN WE DID NOT. 
Second problem Eagle National Bank has an added additional amount to our second promotional offer. The second offer was a total of {$3100.00} in transfers plus the XXXX % fee. The balance on that offer should still be the {$3100.00} plus the {$93.00} transfer fee they charge totaling {$3200.00}. Now since this account is not accruing any interest yet, and no payments should be posted to this account yet since they should only be applied to the first promotion, how could they explain that they show I owe {$3200.00} on the second promotion? There should only be a current balance of {$3200.00} leaving an overcharge on our account in the amount of {$62.00}. Does n't seem like much, but if they do this to all their customers, it will add a profit to Eagle National Bank, illegally. Since this is the only error I have caught so far, I will need to revisit all my statements from the time we opened the account and calculate the payments against what we initially borrowed. The supervisor XXXX had some crazy explanation that made no sense and I would invite anyone to listen to the recording of that call, which I asked to make sure that the call was being recorded. Please investigate Eagle National Bank card services to see if there is some explanation they could provide that makes sense how they added additional debt to our account that we did not use. I have a current statement for your review if needed. 
",Older American,Consent provided,Web,2016-05-11,Closed with explanation,Yes,Yes,CR1920479,262
2016-05-11,Bank account or service,Checking account,Problems caused by my funds being low,,"So a few weeks back i went into my local td branch to get a new debit card made and to deposit cash, while i was inside i delt with a few different individuals at the branch in XXXX nj. I was assailed verbally while explaining that i didnt agree with a few service fees i was being charged, the bank had not only changed my account status from student to non without notifying me ( which changed the minimum account balance from XXXX to XXXX $ ) but ALSO changed their overdraft fees to make them more stringent, so that even if you made sure to bring the balance to XXXX $ the same business day, they would still charge you XXXX DOLLARS the following business day PER transaction regardless of how the account closed on the day it was over drawn. So i tried to reach someone at a corporate level, noone was to be found, was given the run around verbally, told noone would be available and then eventually told i would receive a call back from a rep within 24 hours, that of course didnt happen. So essentially i was told to shut up and pay the fees even though i was arguing that thety were unjust seeing as how i never received any literature on the policy changes and or signed off on anything, in relation to terms of agreement. the answer from them was literally, oh well it was posted on our website, WHICH is an unacceptable response.",,Consent provided,Web,2016-05-11,Closed with monetary relief,Yes,No,CR1920315,2279
2016-05-11,Credit card,,Customer service / Customer relations,,"I recently have tried to stop or change my auto-payment arrangement with Nordstrom rewards credit card. During the week of XX/XX/XXXX through XXXX I signed onto the Nordstrom website on four occasions and was unable to either drop auto-pay or change the payment amount from the full card amount to a lesser amount. I called three times during that week. On the first call on XXXX XXXX, I was told by the Nordstrom 's rep that the problem was my Safari browser. So I downloaded XXXX and XXXX and was unable to change the auto-pay arrangement. I called back a second time on XXXX XXXX and was told that Nordstrom had a website issue. This time they provided me with a fax number to cancel/change the autopay of XXXX. I faxed the request on XXXX XXXX. On XXXX XXXX or XXXX I checked online and nothing had changed - the autopay was still in place and I was still unable to change the payment amount from the full statement amount to a lesser amount. So I called Nordstrom again and this time they : a ) verified that there was a website issue and b ) took a verbal change to the autopay to a {$1000.00} payment for XXXX XXXX, 2016. THEN, on XXXX XXXX I received a form in the mail sign to stop autopay, and the form lectured me that the easiest way to do this was online. I signed the form and wrote an irate note on the form explaining that the website DID NOT WORK. NOW, yesterday, XX/XX/XXXX I received ANOTHER, DIFFERENT FORM IN THE MAIL, BASICALLY lecturing me again to make changes online and saying that nothing would change until I either made the changes online or mailed in this second different form. NOW I HAVE NO IDEA WHAT IS GOING ON!!!!!!!!! Have they changed the amount I am supposed to pay from the full statement amount to {$1000.00} for XXXX XXXX? Has the autopay been cancelled all together? Am I still going to pay the entire statement amount? WHAT IS GOING ON???????? After three phone calls with different instructions, multiple letters telling me to do different things, and a nonworking website I have no idea. Finally, if no payment is taken out I do not want to be penalized for a late payment because I have repeatedly tried to fix this and pay more than the minimum. Nordstrom card services are treating me horribly.",Older American,Consent provided,Web,2016-05-11,Closed with explanation,Yes,No,CR1919612,7186
2016-05-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank is reporting my loan as a charge-off despite releasing the lien and providing a certificate of satisfaction. I have called and faxed the lien release to them and they will not return my calls or confirm receipt once they are told I have one. 

Background. In XXXX, I attempted to get a loan modification through Eagle National Bank. State of MD posted that modifications were available even if you were n't behind but anticipated problems. I was on time for my payment for both mortgages, but my wife lost her job. We asked for a loan modification for over a year, with no response. I contacted the bank 's military line and they finally responded and stated that they could not do a loan mod unless I went into the forbearance program. Entered the program and when my wife got a job I asked for the loan modification. POC confirmed they had all the information needed and asked us to wait. We waited and were told we were not approved because we were missing information. Of course, the POC no longer worked there. This went on for over a year, including work with a local liaison that worked for the county to work with the banks on load modifications. We applied again and again. After about 18 months we were told that we technically qualified for the loan modification based on the requirements, but the owner of the loan did n't want to modify. Mind you, I applied for this loan via Eagle National Bank via my local branch. Eagle National Bank, never communicated that they did not own the loan. I complained and in XXXX XXXX, I received a check for about XXXX from the Bank stating that they had not properly served me as a customer. I then learned that my loan for my XXXX trust was released, I assumed as a condition of their settlement for improper foreclosures. I aked, but Eagle National Bank never gave me an answer about the check or the release. A year later ( XXXX XXXX ) I sold the home. However, Eagle National Bank continues to report the loan as a charge off. I ca n't buy a house now even though I have the credit scores and the down payment to purchase a home. I have attempted several times to get this removed via credit reporting, calling the bank and going to the local branch. I have essentially been penalized by Eagle National Bank because they were corrected for improper procedures. I have attached the original deed of trust and the certificate of satisfaction with matching liber folio. It is not right to say we treated you wrong, here is our attempt to correct our bad acts and then pretend the apology never happened. I want the charge-off removed and an explanation why they are fighting this. I have attached the settlement statement ( which I would not have without a release -- this was not a short sale ), Deed of Trust and the Certificate of Satisfaction recorded. Thanks for your time.",Servicemember,Consent provided,Web,2016-05-11,Closed with explanation,Yes,Yes,CR1918682,1304
2016-05-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Complaints [ Eagle National Bank, Home Equity Line of Credit ( HELOC ) ] : ( 1 ) Numerous software/customer interface problems. 
( 2 ) After repeated requests, unable to obtain the "" loan application '' referenced in the signed "" Borrower 's Certification and Authorization, item 1 ''. In the same paragraph, item 1, it states that "" I certify that all of the information is true and complete. '' ( 3 ) I was also unable to obtain the "" loan '' details until just before closing, in which items unknown and never discussed were verbally communicated to me. 
( 4 ) After I gave them the ultimatum that "" If I did n't get a copy of the loan application I would not close '', no more of my questions were addressed and they just wanted us to sign the closing docs. We never did and I am currently going through the process with other banks. 

Note : I have detailed information and content on all correspondence with the following contacts. 

Contacts ( telecons, emails, and CCs ) : - XXXX XXXX ( XXXX XXXX ), Mortgage Loan Officer ( evaded my email questions and always wanted to hand me to others ) - XXXX XXXX (? ), Chairman and CEO ( CCs triggered many responses and moved the process time from 6-8 wks. to 4 ) - XXXX XXXX (? ), XXXX XXXX 's manager ( no responses ) - XXXX XXXX ( XXXX ), VP, Fulfillment Team Leader - Consumer Lending Client Experience ( seemed very responsive, but stopped communicating after item ( 4 ) above ) - XXXX XXXX (? ), Site Operations manager ( I left a return call message, no response, and he later claimed voice mail issues ) - XXXX XXXX (? ), Home Services Specialist ( responded well, expedited process, good performance ) - XXXX XXXX ( XXXX ), Inbound Specialist ( the best customer experience that I received, actually seemed concerned and answered all of my questions ) - XXXX XXXX (? ), XXXX XXXX 's manager and Call Center Supervisor ( after discussing my loan app concern and ultimatum in items ( 2 ) and ( 4 ) above, she said she would get back to me with a resolution in two days, and she never did )",,Consent provided,Web,2016-05-10,Closed with explanation,Yes,No,CR1918259,3961
2016-05-10,Bank account or service,Checking account,Problems caused by my funds being low,,"For the past couple of months, Eagle National Bank has been double charging me. They also change the screen charging overdraft of already charged items. On about XXXX/XXXX/2016 I called in and ask them why they double charge me for checks returned, when the day before, that was not the case. The clerk from XXXX XXXX fixed it and sent me a customer satisfaction survey. Before I could send the survey in, they triple charged me and changed the screen again. I called again and ask why. I spoke with this rude clerk who try to justify why the changed the screen every chance they get to charge and double charge you for everything. She wanted to argue the why the action was put in place and why they change the screen. I told her, did not agree with her and was not going to argue with her, and told her good-bye. I have copied the statements befor this one and do n't have a scanner. However, I am able to fax additonal information important to this case.",,Consent provided,Web,2016-05-10,Closed with monetary relief,Yes,No,CR1919297,371
2016-05-10,Bank account or service,Checking account,"Account opening, closing, or management",,"I 'm a XXXX XXXX adult and Eagle National Bank stole over {$340.00} of my XXXX money from a new checking account that I opened in order to prevent any fraud from occurring on my account again. On Friday XXXX XXXX just prior to XXXX CST when the claims department closes they removed the money from my new account without any warning or offer for payment plan. I still dispute the credit reversals that led to a negative balance after I closed the account at a local branch. Every banker I 'd previously spoken to said that my new account could not be touched by the bank or anybody but myself. I had no means to prepare for the sudden removal of almost all funds I had left, since I 'm on XXXX. They offered a friend of mine payment plans and additional help many times, though. I have visual documentation of all these events. I also have recorded information that proves they acted illegally by stealing funds from my new account. I want them to refund the money, explain why they did this, and compensate me for the money I had to borrow for immediate health purposes. I can prove all of this. Please help me, please. I have nothing left even for food. I also want them to pay a penalty fee to me for hurting me like this. I beg of you to intervene. Tell me what proof you want. 
",,Consent provided,Web,2016-05-10,Closed with non-monetary relief,Yes,Yes,CR1919376,323
2016-05-10,Bank account or service,Checking account,Problems caused by my funds being low,,I 'm with Eagle National Bank every time. I use my debit card the funds for that transaction are placed on hold. I had a transaction to go thru and the funds were n't there to cover it. I was charged {$35.00} since which cause everything processing to bounce and I received additional overdraft fees on XX/XX/XXXX. On XXXX XXXX I received and overdraft fee for my account which did n't have XXXX to cover a transaction all these are debit card purchases. I feel like a {$35.00} fee on XXXX is crazy when I was inquiring on how to file a suit I was referred to this site. So before I take any more actions I 'm going to see how this site helps,,Consent provided,Web,2016-05-11,Closed with explanation,Yes,No,CR1917387,4769
2016-05-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-10,Closed with explanation,Yes,No,CR1917751,398
2016-05-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-05-10,Closed with non-monetary relief,Yes,No,CR1918769,2163
2016-05-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-05-10,Closed with explanation,Yes,No,CR1919123,1985
2016-05-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-05-10,Closed with explanation,Yes,No,CR1918627,3197
2016-05-09,Credit card,,Transaction issue,,"I asked for a return on a mistaken payment. I called customer service every day the following week ( Tuesday - Friday, also Sunday and the following Monday ) to Eagle National Bank to inquire about the said return. I got different answers about when to expect the return. Some reps told me 2-5 business days 1 rep told me 7-10 business days. XXXX wanted to help me, other than tell me to wait and call back if it still has not been returned. After the given period of 2-5 business days I called and the rep said she would escalate it, trace where the money is and credit me XXXX . When i checked 2 days later, i was told there was no credit of XXXX $ and a rep did not have the authority to do so. Also there was nothing else done besides a "" small investigation '' into where my money was. Which another rep told me was just to notify me when the money ends up in my checking account. So basically after calling for 7 straight business days noone did anything to help me. I still do n't have my return. And I am told to continue to wait and if it 's still not in my account after 10 business days then call back. Who knows what they will tell me then, but I am relying on the word of customer service reps who have continually lied to me after 7 days of calls. Seems like noone there is willing to help me.",,Consent provided,Web,2016-05-09,Closed with monetary relief,No,No,CR1917052,3525
2016-05-09,Credit card,,Delinquent account,,"When our daughter went away to college in XX/XX/XXXX, I co-signed for a XXXX with a low limit for expenses. This was done through our private banking at XXXX. Since that time ( XXXX years ago ), I never received a statement or any notification of any kind as she was the primary user. Nor was my name ever removed as it was shifted to a Eagle National Bank card. A few weeks ago when my credit report was checked by my current bank -- XXXX XXXX XXXX XXXX of XXXX, notice of a delinquent account appeared first reported XX/XX/XXXX as a serious delinquency in the amount of over {$20000.00} from a credit card that was closed in XX/XX/XXXX by our daughter and her husband. I have yet to receive any notification from Eagle National Bank or any statement or account information of any kind. My credit rating has always been "" outstanding '' or "" excellent '' and to date I have not received any satisfactory explanation from Eagle National Bank after filing a complaint to their victims department. I find this an unethical and undoubtedly illegal business practice that has adversely affected my credit rating on all three major credit reports. All other items appearing on the reports are satisfactory and have been for over 30 years.",Older American,Consent provided,Web,2016-05-09,Closed with non-monetary relief,Yes,No,CR1916803,2126
2016-05-09,Credit card,,Closing/Cancelling account,,Eagle National Bank/ Target XXXX should be reporting a ZERO balance. I have submitted proof to Target as well as the credit bureaus and the error is not being corrected. I received a XXXX Cancellation of Debt on this account. I also included this cancellation of debt when filing my taxes in 2015 therefore the balance needs to be reporting as {$0.00}. I need this corrected immediately or this account needs to be deleted off my credit file! I am unable to get the credit I deserve because of this. I am attaching proof.,,Consent provided,Web,2016-05-09,Closed with explanation,Yes,No,CR1916617,3234
2016-05-09,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-05-10,Closed with explanation,Yes,Yes,CR1915661,2701
2016-05-09,Credit card,,Other,,,,Consent not provided,Web,2016-05-09,Closed with explanation,Yes,Yes,CR1916546,4316
2016-05-09,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-05-27,Closed with explanation,Yes,No,CR1915204,4057
2016-05-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-09,Closed with explanation,Yes,Yes,CR1916187,4500
2016-05-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-09,Closed with explanation,Yes,No,CR1915847,2265
2016-05-09,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-05-09,Closed with explanation,Yes,No,CR1916636,1917
2016-05-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-05-11,Closed with explanation,Yes,No,CR1916453,1275
2016-05-08,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2016-05-08,Closed with explanation,Yes,No,CR1915225,1785
2016-05-07,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank charged me XXXX {$35.00} overdraft fees for debit card transactions. Eagle National Bank has refused to reverse these charges, although it is not legal or certainly not in compliance with the regulations set forth by Dodd-Frank. The argument Eagle National Bank is telling me by justifying these charges is the a third-party ( in this case XXXX ) has deemed its transactions as "" reoccurring '' charges ; so the bank can charge overdraft fees. This is totally unacceptable and is a slippery slop to redefining "" reoccurring '' charges. Suppose I visit XXXX, a grocery chain, several times a month and conduct multiple transactions. Will these now be considered "" reoccurring '' charges and be processed as such? Eagle National Bank says it has no control what it deems as a "" reoccurring '' charge and this is determined by the third party. However, I do n't understand how the bank can allow a third party to determine when a transaction is processed and/or denied and then proceed to charge a fee. Does n't the bank have final say in what is approved and what is n't? Also, if XXXX is skirting the regulation what interest does Eagle National Bank have in protecting the consumer when it can freely charge customers overdraft fees because a third-party has deemed the transaction as "" reoccurring '' although the transactions are different amounts and at different points within a given time period? Either Eagle National Bank or XXXX is taking advantage of the consumer and/or skirting financial regulation ; or the financial regulations in place have a large loophole in them that does not protect the consumer, but allows banks and private companies to determine what type of transactions they are processed without any formal regulatory framework.",,Consent provided,Web,2016-05-07,Closed with monetary relief,Yes,No,CR1914915,5253
2016-05-07,Credit card,,Transaction issue,,"I paid off my credit card in full XX/XX/2016. XX/XX/XXXX my payment I submitted was more then I wanted to pay on the card that had a little balance ( since I had just paid it off ). I was unable to cancel or edit the payment. Eagle National Bank informed me I should contact my bank to place a stop payment on that particular payment and that it would charge me a return fee but I could call back and have it refunded. When I called to get this refunded everyone told me it was not doable because it was a legitimate charge even though they told me this could be done. In XXXX 2016 I had a scheduled payment of {$100.00} to my credit card. Everything appeared to have gone through until I recieved an email that it did n't. I called Eagle National Bank and they assured me everything was fine if something happened it would have kicked back already. Well the next day I check my account and that payment too had been returned and they charged me another returned check few. I called two more times to see what the problem was and they ( EN ) told me to contact my bank where it was coming from ( XXXX ). XXXX did admit they did not remove the stop payment from the previous month ( XX/XX/XXXX ) and it had rejected the payment from XX/XX/XXXX. I called Eagle National Bank again to let them know what happened they said they understood and refunded both of my returned fees. Well today ( XXXX XXXX ) I tried to use my credit card and it was declined, when i called to see what was going on they notified me my credit had been revoked and my account closed because of the returned fees ( one they instructed me to do and one that was a complete accident ; i.e : they refunded both return payment fees they charged ). So now I will have to fight whatever negative consequences. Eagle National Bank has been nothing but trouble to me.",,Consent provided,Web,2016-05-07,Closed with explanation,Yes,No,CR1914654,231
2016-05-07,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-05-07,Closed with explanation,Yes,Yes,CR1914743,1999
2016-05-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-05-07,Closed with monetary relief,Yes,Yes,CR1913687,1848
2016-05-07,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-05-07,Closed with monetary relief,Yes,Yes,CR1914793,2762
2016-05-07,Bank account or service,Checking account,Deposits and withdrawals,,,,Other,Web,2016-05-07,Closed with non-monetary relief,Yes,No,CR1913641,4199
2016-05-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-09,Closed with explanation,Yes,No,CR1913412,2632
2016-05-06,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,I had to wait 20 minutes ( on hold ) just to get the address I needed to mail in my monthly bill payment. The information I needed did not appear to be available on the website.,,Consent provided,Web,2016-05-06,Closed with explanation,Yes,No,CR1914135,1107
2016-05-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"in 2008 we had a stock portfolio with Eagle National Bank and a financial advisor from the bank as the portfolio had over {$800000.00} in it. When the market was crashing I was told that a claws in the contract said if the funds drop below {$500000.00} the stocks would need to be restructured and sold. Our Adviser waited until the stocks had fell below {$250000.00} costing us over {$250000.00} dollars. I never filled a complaint because I felt I couldm't win against a big bank. But they stole {$250000.00} of our money by not calling us in time. I was fored to sell in a down market, is there anything I can do to recover what Bnak of America stole from us? 
Thank you, XXXX XXXX",,Consent provided,Web,2016-05-06,Closed with explanation,Yes,No,CR1914240,20
2016-05-06,Bank account or service,Checking account,Problems caused by my funds being low,,"On XXXX XXXX, 2016 I recieved a notification from Eagle National Bank that my checking account balance had dropped to {$25.00}. The following day ( XXXX XXXX ) I found that my bank charged me a {$12.00} overdraft protection fee whereupon they transferred roughly {$34.00} from my savings account over to my checking account, and tacked on a {$12.00} fee for this action. My checking account did not drop to a balance of {$0.00}, nor did Eagle National Bank notify me of any additional charges that would cause my account to drop further below {$25.00}. Today, I contacted my bank and reqeusted that they refund the {$12.00} fee as my checking account did not drop to {$0.00} and did not require a transfer. The {$25.00} balance in my account was sufficient. I was informed by XXXX XXXX XXXX, Eagle National Bank representative, that she was unable to refund the {$12.00} overdraft fee. I asked her to transfer me to a manager and I waited on the line and no manager was found. After spending a duration of XXXX minutes to resolve this issue without any resolution, I reqeusted that a manager from Eagle National Bank call me back. No one from Eagle National Bank has called me back and I have not recieved a resolution. I would like the {$12.00} fee that Eagle National Bank charged me to be returned to my account. 

Thank you",,Consent provided,Web,2016-05-06,Closed with monetary relief,Yes,No,CR1913590,3188
2016-05-06,Credit card,,Payoff process,,Eagle National Bank has misreported a balance on a credit card that I paid off over 6 years ago. I noticed it was still on my credit report when I checked it in XXXX. I 've written them and disputed with the credit bureaus however nothing has been resolved. The balance should be showing {$0.00} Please assist,,Consent provided,Web,2016-05-06,Closed with explanation,Yes,No,CR1914063,2206
2016-05-06,Credit card,,Other,,"Because my previous interaction with Eagle National Bank had not resulted in my account being closed, or my interest rate being lowered, I decided to attempt to use the card today. It was again declined. I checked my account on the web and it had again flagged transactions to places I had previously used the card, as fraudulent. I verified they were my charges, and the website said that the card was fine and usable. I tried again and it was declined. To recap my previous complaint, I am XXXX and do not use a voice telephone or XXXX. I again informed EN of this via chat. Once again, I was told via chat that I needed to use the telephone. Once again, I had to escalate to a supervisor. The supervisor reiterated that I must use the telephone in order to find out why my card was declined. When I again said I do not use a voice telephone due to XXXX, he asked me why. Of course, this is protected health information. I requested the account be closed, and the supervisor closed the account. This, despite my wasting hours of my time the day before, attempting to close the account, and told that I could not do so via chat. 

Eagle National Bank 's discrimination against the XXXX is blatant and harmful. I wasted several hours of my time because they refused to provide the same services to me in anywhere close to the same timeframe as they would provide to a non-disabled person. The first supervisor claimed it was not possible. The second supervisor the next day completed the task that the first supervisor asserted adamantly that I needed to use a voice telephone to complete. 

Had I not persisted, I would still be having the same difficulty. As this is going to Eagle National Bank, I have a message for them : DO NOT CALL ME! I have a cell phone ONLY for emergencies, as it causes me physical pain to answer and converse on a telephone. You have been told this on MANY occasions, yet you called me once yesterday, and once today. STOP! 
",,Consent provided,Web,2016-05-06,Closed with explanation,Yes,Yes,CR1914075,4674
2016-05-06,Credit card,,Customer service / Customer relations,,"I disputed an interest charge on XXXX XXXX, 2016 and as of the writing of this complaint I have yet to receive a response, I thought TILA required a response within 30 days. The interest charged was about {$150.00}. I filed a dispute, which was resolved but Eagle National Bank still charged me interest, a violation of TILA",,Consent provided,Web,2016-05-06,Closed with monetary relief,Yes,No,CR1913911,5392
2016-05-06,Credit card,,Other,,"This is a continuation of Case number : XXXX. Despite Eagle National Bank being told several times that I do not use a voice telephone due to the pain it causes me to answer it, they called me yesterday regarding the complaint I filed. When they were again told that using the telephone causes pain, they still refused reasonable accommodation of communicating with me via fax, portal, text, or encrypted email, leaving only US Mail with its intrinsic delays. The reasoning that any of these other methods is less secure than communication over a cell phone is laughable and discriminates against XXXX people who do not use voice phones. 
",,Consent provided,Web,2016-05-06,Closed with explanation,Yes,Yes,CR1913535,10510
2016-05-06,Credit card,,Credit card protection / Debt protection,,"XX/XX/XXXX, I made a credit card payment to EN. Then, my bank kept calling saying I had a negative balance and it involved paying EN. I asked if EN was finally paid. They said yes. I called EN and confirmed this. EN said yes, they were paid. Then, I went into my bank around XX/XX/XXXX, when it was, again, confirmed that EN was paid. Today, I tried to make my monthly payment, and EN said I was overdue, and never made a payment. I told them I will not be paying them until this issue is resolved. Also, in the beginning of the month when this credit issue started, I called the police and told them something was wrong with my banking. 
",,Consent provided,Web,2016-05-06,Closed with explanation,Yes,Yes,CR1913620,4742
2016-05-06,Bank account or service,Checking account,"Account opening, closing, or management",,"I enquired at an ATM about my account balance, at Eagle National Bank. I now see that I have been charged {$3.00} for the enquiry. There was no warning at the ATM machine that I would be charged. When I called Eagle National Bank to complain the person who answered agreed that this is XXXX of their more obnoxious, non-transparent fees but he could not do anything about it. Can you look into this ludicrous fee and the lack of transparency. Thank you. The account is a EN Business Convenience Plus account, although I understand now from the bank that it applies to other banking products at Eagle National Bank.",,Consent provided,Web,2016-05-12,Closed with monetary relief,Yes,No,CR1914544,2001
2016-05-06,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-05-06,Closed with explanation,Yes,No,CR1914106,4937
2016-05-05,Bank account or service,Checking account,"Account opening, closing, or management",,Eagle National Bank has me listed with XXXX for account fraud. I spoke to Eagle National Bank and they stated my account was closed due to overdraft but they have it listed as fraud. I am being denied a bank account everywhere I go even after bankruptcy. To top it off my account was paid the {$5.00} that it was overdrawn.,Servicemember,Consent provided,Web,2016-05-05,Closed with explanation,Yes,No,CR1912209,1151
2016-05-05,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank Merchant Services applied a {$20.00} charge to my account for XXXX, a service I did not request nor desire. When I inquired, I was told that it was "" opt out, '' and I was given a phone number to call. The charge made my account overdraft. I believe that applying a fee without "" opt in '' permission should have been illegal. I was told on XXXX/XXXX/16 that I received a notification about the impending charge, and that I should have responded to the notification. To me, that 's bogus. I believe Eagle National Bank is defrauding customers. All such unrequested charges should be "" opt in. '' Customers should not have to read the fine print of every notification to avoid having a bank XXXX money out of their accounts. Since I did not formally allow such a debit -- which would have been monthly -- this was an unauthorized withdrawal.",Older American,Consent provided,Web,2016-05-05,Closed with monetary relief,Yes,No,CR1912119,4440
2016-05-05,Bank account or service,Other bank product/service,Deposits and withdrawals,,"Eagle National Bank placed limitations on my account. Refused to settle terms under the Mines and Minerals Act as the XXXX intermediary for XXXX. I have sent a International wire transfer to ; XXXX : XXXX, Eagle National Bank N.A.,XXXX XXXX, XXXX XXXX NY XXXX. Account number XXXX ; XXXX number:XXXX ; XXXX : XXXX, XXXX.",Servicemember,Consent provided,Web,2016-05-05,Closed with explanation,Yes,No,CR1911872,3922
2016-05-05,Bank account or service,Checking account,Problems caused by my funds being low,,Eagle National Bankn is charging fees in excess and not authorized with the business banking account with XXXX XXXX. We are not to have a monthly business fee if we pay our bills using our debit card like a charge card which we have been. We also indicated to Eagle National Bank that we do NOT want any overdraft protection and if there is n't money in the account we do not want the transaction authorized. They 've been denying this request and they been deliberately causing our account to go negative and charging in excess fees up to {$35.00} at a time and every few days once they start the cycle of charging an account into the negative. These transactions were not authorized nor where these fees.,,Consent provided,Web,2016-05-05,Closed with monetary relief,Yes,No,CR1912282,832
2016-05-05,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Dear CFPB. 
My problem is with Bank America credit card, Well every month I pay my bill in time, bud always pay more, I pay doble the minimum due, and the account still the same,. And the minimum payment due every month is the same do n't low. How is possible, only low a little big, sometime I thinking the I never going to pay off that credit card. Something important the interest, They increase more I not expected that. What I thing is, they still my money. I work hard only for pay my bills. I thinking is a racist because they call me more than one time as me if Iam XXXX. Yes Iam from XXXX. and my husband Military XXXX XXXX because the war. And my son is military too XXXX. My husbad 30 year in the XXXX. I am a XXXX. Than you for you health. XXXX XXXX",,Consent provided,Web,2016-05-05,Closed with explanation,Yes,No,CR1911472,3199
2016-05-05,Bank account or service,Checking account,Using a debit or ATM card,,I just learned of an overdraft on my account and unaware of the occurance. I believe the transaction was fraudulently done. I currently have a temporary debit card. I currently have a negative account with Eagle National Bank now in the amount of about {$350.00}.,Servicemember,Consent provided,Web,2016-05-05,Closed with non-monetary relief,Yes,No,CR1911696,4650
2016-05-05,Credit card,,Billing disputes,,"The following has been submitted to Eagle National Bank VISA credit card disputes department. XXXX duplicate {$77.00} charges and XXXX {$82.00} charge were made from XXXX XXXX XXXX in XXXX on XXXX XXXX, XXXX. The {$82.00} charge was correct but the XXXX {$77.00} charges were a mistake. The paper was jammed and the charges were submitted three times so another charge was made at the restaurant bar for {$82.00} ( {$5.00} was added since XXXX person did not qualify for the XXXX discount ). On XXXX XXXX, XXXX I had asked for the XXXX {$77.00} charges to be refunded but only XXXX was refunded. In XXXX XXXX and again in XXXX XXXX I called about not receiving the other XXXX refunds but nothing was done. I called again XXXX XXXX, XXXX and was asked to write a letter because the agent "" could n't do anything about it since it has been more than a year ''. The reply to the letter and a phone call to Eagle National Bank credit card billing disputes department was that they could not see the statements as far back as XXXX XXXX and therefore the case is closed. I pointed out that a statement is being mailed to me so why could n't they see the same statement. The agent asked his supervisor and was told that the case is closed and I would not receive my refund. I have been a customer with Eagle National Bank since XXXX.",Older American,Consent provided,Web,2016-05-05,Closed with monetary relief,Yes,No,CR1910557,2560
2016-05-05,Bank account or service,Checking account,Problems caused by my funds being low,,"A stop payment was placed on an item from XXXX in the amount of XXXX today, the item is currently pending out of the account as of today, XX/XX/XXXX. This item is a charge from XXXX for insurance on a car rental, the reservation is from yesterday, XX/XX/XXXX. XXXX, the car rental company, charged additional insurance at time of vehicle pickup. Their rep failed to see insurance was purchased prior. I spoke with an XXXX rep earlier this evening named XXXX, she was able to refund it but there is a stop payment fee in the amount of XXXX charged by Eagle National Bank. I need this refunded",,Consent provided,Web,2016-05-05,Closed with monetary relief,Yes,No,CR1909413,5145
2016-05-05,Bank account or service,Checking account,"Account opening, closing, or management",,"Several months ago I received a debit card from Eagle National Bank which I did not request or apply for. I promptly cut it up and threw it away. 
Two days ago I received a bill for {$33.00} from Eagle National Bank for Sustained OD Fee, Maintencance Fee, Paper Statement Fee. 
I have called Eagle National Bank twice and after lengthy telephone hold periods I was asked for the last XXXX digits of my social security number ( how did they get that ) and told to go to a branch office to cancel this fraudulent account. It is not convenient for me to go to a EN Branch office. Please see the attachment. Thank you very much for your help.",Older American,Consent provided,Web,2016-05-05,Closed with monetary relief,Yes,No,CR1912711,12577
2016-05-05,Credit card,,Identity theft / Fraud / Embezzlement,,"I experienced identity theft and notified XXXX XXXX, XXXX XXXX, Target, XXXX and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. Target, XXXX XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as "" seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.",Older American,Consent provided,Web,2016-05-09,Closed with explanation,Yes,No,CR1909945,1189
2016-05-05,Credit card,,Identity theft / Fraud / Embezzlement,,"Someone stole my identity. They have my social security, date of birth, address, etc. are trying to open credit cards under my name via the Internet. Not in person. Believe it was an internal employee from XXXX for that I do not make purchases on the Internet or give my personal information to anyone.",,Consent provided,Web,2016-05-05,Closed with explanation,Yes,No,CR1911351,79
2016-05-05,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2016-05-05,Closed with explanation,Yes,Yes,CR1912849,2212
2016-05-05,Credit card,,Other fee,,,,Consent not provided,Web,2016-05-05,Closed with explanation,Yes,No,CR1911290,3866
2016-05-05,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-05-05,Closed with explanation,Yes,No,CR1912372,6256
2016-05-05,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-05-05,Closed with monetary relief,Yes,No,CR1911394,3460
2016-05-05,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-05-05,Closed with explanation,Yes,No,CR1912496,4171
2016-05-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-05,Closed with explanation,Yes,No,CR1911009,4289
2016-05-04,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank attempted to get updated information and, when they did not get it, they froze our account. First all the information, the information they wanted was updated "" physical address '' information, where requests were made through email. My wife and I have been Eagle National Bank customers since 1986. They should have phoned us if they were going to freeze our accounts. By freezing our accounts they 've knocked out check transactions that will have to be resubmitted and that will probably end up with additional charges from various creditors, not to mention jeopardizing our relation with those creditors. Secondly, my wife 's mother 's account is also with our accounts and also got frozen. Her mother 's account is with us for various reasons but is still her mother 's account. Her mother, who is in her XXXX, is currently with her sister on travel, helping her sister recover from a recent XXXX XXXX. My complaint is this ; YOU DO NOT DRACONIANLY STOP SOMEONES FUNDS BECAUSE YOU 'RE NOT GETTING INFORMATION YOU FEEL IS EXTREMELY IMPORTANT TO YOU AND JEOPARDIZE THEM FINANCIALLY OR WORSE, ESPECIALLY A CUSTOMER THAT HAS BEEN WITH YOU FOR 30 YEARS!",,Consent provided,Web,2016-05-04,Closed with explanation,Yes,No,CR1910123,3132
2016-05-04,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank WRONGLY and ELECTRONICALLY debited {$870.00} from my checking account, XXXX. I NEVER authorized a bill pay payment to XXXX XXXX on XXXX/XXXX/2016. They claim I did - I DID NOT. They are REFUSING to refund the money to me. 

This situation is a great example of the extreme power XXXX BANKS have over small consumers. PATHETIC!",,Consent provided,Web,2016-05-06,Closed with monetary relief,Yes,No,CR1909089,2693
2016-05-04,Bank account or service,Checking account,Deposits and withdrawals,,"On XX/XX/2016 I deposited {$8600.00} into my Eagle National Bank at the branch in XXXX, CA XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX. 

{$8000.00} in cash and a check for {$670.00}. The teller counted the money, gave me a receipt, credited my account for the total. I saw the amount in bank account. A few days later I noticed the bank deducted {$6000.00} dollars from my account. The notice from the bank said that there is a discrepancy on the deposit slip. The total is {$8600.00} but the currency says {$2000.00}. 

I went to the bank branch and ask for an injury to the missing funds. I was denied. The branch manager did not even ask for account information. He refused to help in anyway. I went to the branch I normally deal with, XXXX, XXXX XXXX. They told me that the other branch should review the reports and look at the cameras. 

I called corporate Eagle National Bank to complain. I was told that ONLY the branch can authorize a report or look at the camera. I would need a subpoena to get the branch manager to look at the cameras if he refuses. 

I returned to my regular branch, XXXX and complained again. They said they sent an email to corporate to look into the XXXX branch. The XXXX branch manager refuses to do anything or even look at my account. 

I believe the money was stolen. I think that if the manager sees any error on the deposit slip he keeps the money. No one is going look into anyways. The teller entered the correct amount into my account and gave me receipt. There is a big difference between {$8000.00} and {$2000.00}. It was all $ XXXX in cash, easy to see. 

I believe Eagle National Bank should be accountable for its employees and there should be a check and balance. I believe this is easy to resolve, look at the cameras. Run a report of what the teller entered as a deposit.",,Consent provided,Web,2016-05-04,Closed with explanation,Yes,No,CR1907986,1432
2016-05-04,Credit card,,Late fee,,"I am XXXX and I have a bunch of bank accounts and credit cards. I tend to watch things using wave accounting which generates reports covering everything making my life easier. Today I received the following report : XX/XX/2016 LATE FEE FOR PAYMENT DUE XXXX $ Uncategorized Expense MBNA Card I hope to prevent this in the future as I have put an "" event ' in my smartphone calendar to remind me to pay it on the XXXX of each month. But I sincerely wish that Eagle National Bank would notify me by email a day BEFORE they access the penalty, rather than using a big "" net '' to rake in money from thousands of card holders who may make the same error I did. This is not fleecing XXXX, but I am sure they make lots of money this way and I believe that as a courtesy they should automatically send me an email a day in advance so that I may remember to pay it, rather than hitting me over the head with a hammer with a {$37.00} charge. I am a good Eagle National Bank customer, but I am afraid that there is some XXXX somewhere in the Eagle National Bank corporation who gleefully manages the collection of these charges.",Older American,Consent provided,Web,2016-05-04,Closed with monetary relief,Yes,No,CR1909129,4003
2016-05-04,Bank account or service,Checking account,Problems caused by my funds being low,,I am a Eagle National Bank member and I had an issue with a company that was withdrawing from my account without my authorization and was taking out 4 different payments this also caused me to have overdraft fees. I went into my local branch to clear up the matter and they explained they could not help me.,,Consent provided,Web,2016-05-04,Closed with monetary relief,Yes,No,CR1910388,3311
2016-05-04,Credit card,,Late fee,,"Target XXXX XXXX XXXX XXXX, XXXX. XXXX Attn. : Collections Correspondence Dear Sir or Madam : While visiting our daughter in XXXX in XXXX XXXX, my wife XXXX and I shopped once in a Target store and were delighted to be asked to open an account ( which we thought was a discount card ). While there are no Target stores here in XXXX, we do travel on business and felt having a Target card would be useful. We expected to receive a Target card in the mail but one never arrived, hence we did not activate it. Nor did we receive any invoices for the single small purchase we incurred until XXXX XXXX, XXXX. We were horrified to discover that our small purchase had ballooned into a {$130.00} bill with four months of late fees! 

On XXXX XXXX, I contacted Target representative XXXX XXXX at XXXX. I explained that we had never received the Target credit card, and she confirmed that a card in XXXX 's name had never been activated. I also explained that the first card statement we had EVER received was for a closing date of XXXX XXXX, XXXX. I told her that I was more than willing to pay for the costs of goods we purchased but I explained that we had had no knowledge that the account was in arrears and requested that Target drop the exorbitant penalty fees. She said that she was more than willing to drop the accrued interest but she refused to eliminate the penalty fees. 

I then requested that I contact a supervisor. At XXXX on XXXX XXXX, a supervisor named XXXX called me back. I again explained that we were more than willing to pay for what we purchased, but had no written knowledge of ANY indebtedness, and especially the the past due debt until XXXX XXXX, XXXX. XXXX refused to eliminate the penalty fees, and suggested I write to you. 

We have searched our small rental condo repeatedly and have found no correspondence with Target since the initial purchase until the XXXX XXXX, XXXX letter with the XXXX XXXX, XXXX invoice. There is no Target credit card either. We can not explain how XXXX letters from you and the original cred card have gone missing, but can confirm that relatively frequently other mail we expected was never received at our mail stop. 

The simple fact is that we are willing to pay the initial amount we charged, but the amount we initially charged has ballooned to four times the original amount in 5 months. We know this new charge is both grossly unfair and illegal under XXXX law as well. Hopefully your office can rectify this matter amicably, as we know that Target has a reputation for high customer satisfaction. If not rectified, my wife XXXX is a XXXX and will be taking this matter up with the XXXX State 's Attorney general 's office. 

We sincerely hope that you will roll back the clock so that we may pay the original purchase price and move forward with a positive relationship with Target, but are prepared to contact the State 's Attorney General if you chose not to eliminate the late charges. We believe you have violate XXXX consumer protection provisions in your collections and are prepared to move on that front if this issue is not settled as we have suggested. 

Sincerely,",Older American,Consent provided,Web,2016-05-04,Closed with monetary relief,Yes,No,CR1910530,4716
2016-05-04,Credit card,,Other,,,,Consent not provided,Web,2016-05-04,Closed with explanation,Yes,Yes,CR1909706,3031
2016-05-04,Credit card,,Other,,,,Consent not provided,Web,2016-05-04,Closed with explanation,Yes,Yes,CR1910413,3613
2016-05-04,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-05-06,Closed with explanation,Yes,No,CR1909628,101
2016-05-03,Bank account or service,Checking account,"Account opening, closing, or management",,"A bank account was opened in my name over 10 years ago at Eagle National Bank. Also, I had an XXXX and XXXX account. I 've become a victim of identity theft to the extreme ; whereas, I 'm being stalked by individuals I do n't even know for my card XXXX pin number. Why? My best assumption is that maybe they are duplicating cards, not sure. Identity theft in XXXX has become very stressful and a health matter as well. I am writing to protect and secure my funds in account which, at this point, I am afraid to put money into accounts when XXXX, XXXX, XXXX XXXX College faculty members, or others can go into my account when they have relatives or friends working in financial corporation to hinder hard working XXXX Americans from becoming financially stable.",,Consent provided,Web,2016-05-03,Closed with explanation,Yes,No,CR1907282,4339
2016-05-03,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank claims that they sent me a letter by USPS and made one phone call to let me know that my residency paperwork was not in order. I did not receive the USPS letter and thought the phone call a scam as there was no tag/flag on my account when I logged in to my online banking with BofA. They suspended my account, were slow in responding to me and caused me to accrue fees from my bills because the account was suspended and thus the funds did not go through. BofA 's own credit card charged me a fee, when the card itself was suspended for the same reason. After submitting my paperwork and reinstating all my accounts, I am still getting "" suspended account '' reports when I try to pay my bills ( from time to time ). The Bank can not explain why this is, but surely my utilities company does not have a reason to lie to me when the payment did not go through and they received an account suspended notice. I was told my account paperwork has not been up to date since XX/XX/XXXX. Why then, could they not give me a few more weeks to give them my paperwork and try for better communication methods? Is this the bank 's way of making up for the penalty that they had to pay because their customer 's paperwork were not in order since XX/XX/XXXX? Is BofA trying to make its customers pay for the penalty?",,Consent provided,Web,2016-05-03,Closed with explanation,Yes,No,CR1906480,670
2016-05-03,Bank account or service,Checking account,Problems caused by my funds being low,,My checking account with Eagle National Bank was purposely overdrawn because the bank would process a check ACH and deduct the amount from my balance. Then a paper check would come through and they would back date it to before the date I wrote the check. This would cause the ACH check to over draw my account and I would be charged a XXXX dollar fee even for items that did n't overdraw the account. I am now so far in the red I am threatened with legal action,,Consent provided,Web,2016-05-06,Closed with explanation,Yes,No,CR1908583,1438
2016-05-03,Credit card,,Other,,"Eagle National Bank continues to pursue Collections for a balance that was long ago reported as dispute : reason fraud. They are sending no reply emails to collect on account ending in XXXX, after first trying to Collect on account ending in XXXX ( not sure if that 's the exact lastXXXX because I shredded the card then was cut off from electronic statements. 

The reason for card re-issuance was the fraud on that number. After reporting that there should not be ANY balance on the card I was not using or receiving paper statements for, and receiving acknowledgement that this is clearly fraud, I suggested CLOSING the card for reason : Lost/Stolen and replacing it to prevent further fraud. 

The balance was verbally agreed to be in dispute, and I had to go to the Fidelity Service center to request they act on my behalf after nearly a week of not being able to get through to the department to be transferred to for fraud & disputes. XXXX made the call for me and was privy to the conversation. 

The vendor was changed because of their gross negligence, and the account was purchased as part of a collections portfolio, when it should have been a XXXX balance and off my credit report. In fact, the account was only reported delinquent AFTER I reported fraud, placed the balance in dispute and was reissued a new card. A week or more later I received a credit alert that I was delinquent. 

I am willing to email EN and have in writing what is being communicated but they are only sending no-reply emails with demands to contact Collections, noting the time frame within which they require an item to be placed in dispute. I am not willing to place the item in dispute AGAIN and miss their imposed time frame. The balance continues to grow, along with my desire to expose their devious practices to every person on the face of the earth. 

This was supposed to be resolved a very long time ago, and was the result of not doing the most basic fraud detection and prevention that is the expected standard for a financial institution. I am not willing to get into their technicality trap of fine legal print because they are ignoring the original dispute. They should not be in the banking business to be perfectly honest. 

This is an addendum to complaint # XXXX",,Consent provided,Web,2016-05-03,Closed with explanation,Yes,No,CR1907922,2586
2016-05-03,Credit card,,Convenience checks,,Eagle National Bank lied to me about the interest rate on my credit card. I was told that the go to rate on my card would be XXXX instead it went to 22 % interest. They stated it was because of how I accessed the cash with a convenience check instead of doing it online or over the phone even though when I made the advance I was told it go to the purchase APR and not the cash advance APR.,,Consent provided,Web,2016-05-03,Closed with non-monetary relief,Yes,No,CR1907288,3750
2016-05-03,Credit card,,Other,,I became aware of several charges on a Eagle National Bank card. I contacted Eagle National Bank asking them to validate the debt. They did not respond. Account was removed from my credit reports. Eagle National Bank still reported the debt to the IRS.,,Consent provided,Web,2016-05-03,Closed with explanation,Yes,No,CR1907306,1211
2016-05-03,Credit card,,Closing/Cancelling account,,"This case has a prior case number from XX/XX/XXXX XXXX, Eagle National Bank. 
I filled out an application in XX/XX/XXXX, I did not even know I was approved for this account until XX/XX/XXXX. I was out of town for a month. I received the terms in the mail and someone from Eagle National Bank Phone me to find out why the Card was not Activated. 
I explained that I did not want the card because of the {$79.00} annually and interest. I told the person I was returning the card un-activated and I did. But they show it delinquent in all of the credit bureaus with a 30 day late status because of the {$79.00} fee. This Account should have never been reported because the Card was declined. Here is XX/XX/XXXX and I find out after applying for credit in XX/XX/XXXX that this is still a problem. I want this removed. Eagle National Bankl told me this was resolved in XX/XX/XXXX, Her name was XXXX but I see now it is not true.",,Consent provided,Web,2016-05-20,Closed with non-monetary relief,Yes,No,CR1906218,10023
2016-05-03,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank Keeps Selectively Deciding what transactions to pay, and what transactions to reject causing numerous fees to be incurred .... EN should have just rejected sale when presented to be paid resulting in a declined transaction 
",,Consent provided,Web,2016-05-03,Closed with explanation,Yes,Yes,CR1905623,3942
2016-05-03,Credit card,,APR or interest rate,,"On a cruise to XXXX we went to Diamonds International and purchased some jewelry. To sweeten the deal we were offered a 12 month interest free credit line for about XXXX. I paid more than the monthly payment due and never late. I just got my bill and I only had a XXXX balance originally but it showed new balance of XXXX. It put a 28 % rate on and over XXXX in back interest. I called and was told too bad, the promotion expired and I was supposed to pay it off by the 12 months. I was not told I had to pay that balance by 12 months or I could be charged 28 % plus all the interest. Where their numbers came from does n't make sense",,Consent provided,Web,2016-05-03,Closed with explanation,Yes,No,CR1907759,1064
2016-05-03,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-05-03,Closed with monetary relief,Yes,No,CR1907704,12810
2016-05-03,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-05-03,Closed with explanation,Yes,No,CR1908611,3921
2016-05-03,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2016-05-03,Closed with monetary relief,Yes,No,CR1906914,5030
2016-05-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,Other,Web,2016-05-03,Closed with explanation,Yes,Yes,CR1908026,4507
2016-05-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-05,Closed with explanation,Yes,No,CR1908784,890
2016-05-03,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-05-03,Closed with explanation,Yes,No,CR1905369,3146
2016-05-02,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank denied access to my banking account and held my funds without giving me access to my funds. Eagle National Bank states that they will be closing my account and my account will be on a hold status. Account number XXXX, also I was denied full disclosures.",Servicemember,Consent provided,Web,2016-05-02,Closed with explanation,Yes,No,CR1905013,2782
2016-05-02,Bank account or service,Checking account,"Account opening, closing, or management",,"Husband passed recently and he had no will and XXXX accts with Eagle National Bank. XXXX was our joint checking, the other XXXX were XXXX a XXXX and a XXXX acct. I told the bank rep wanted to keep those XXXX they told me would have to go to Probate to get access. I did go to probate and was asked to list assets did n't list the fund acct only had XXXX. Since the passing I established a scholarship acct in my husbands name and planned a huge scholarship event, I have deposited XXXX in the XXXX. A few days before the event tried I to withdraw some of the funds for expenses related to the event and told could only make deposits because my husband had sole propriortorship on the acct. My attny rushed papers through probate listing the acct to give me access, now the bank says the amt in the bank at time of death was XXXX and the amt now is different. Attny says this is not part of the estate. My husband did not raise the f ; unds and it is not his funds.I have expenses related to the event not paid and this has become a disaster. I have more checks and cash to deposit. No one in the bank advised me that I should have established another XXXX acct in my name but they kept taking the deposits. The bank is ignoring the court documents giving me access, you get nothing but the run around when you call, no return calls, each time you speak with someone its a different story, they act like they will help and then it always diverts back to there is nothing they can do. The local branch reps are poorly trained and not helpful at all.",,Consent provided,Web,2016-05-02,Closed with explanation,Yes,No,CR1905447,1774
2016-05-02,Bank account or service,Checking account,"Account opening, closing, or management",,"I found out today that due to Eagle National Bank mistakes I am now on the blacklist at early warning services and other banks are not willing to give me an account. 

On or about XXXX XXXX 2016, my dad and myself went to a EN branch in XXXX NY to open a bank account for our business. 

After the rep opened the account she took me to the ATM and had me deposit a check of {$9900.00} via the ATM. After the check went in a receipt was printed indicating that the check will be held for 7 days which was not acceptable for us. 

We immediately told her that it was not acceptable and we want the check back. The rep told us that it is not possible and got us the manager when we requested. 

The manager told us that it is not possible to get the check back and suggest that we put a stop on the check at our other bank. I responded that I will do so if EN will absorb the fee associated. The manager told me he can make some calls and waive the fees from XXXX XXXX. About 15 minutes after I was told that a XXXX rep wants to talk to me regarding waiving the fee. 

At this point the manager at EN was able to get the fees waived for a stop payment for the check that was in the ATM. I went ahead and confirmed with XXXX that I wanted to stop this payment. 

A few days later I was informed that the EN account was being closed due to the first check getting returned. I was ok with that. We then went to our local XXXX XXXX and opened an account only to find out a few days after that they are closing it due to the reports of Eagle National Bank to XXXX. 

I would appreciate if someone from EN would clarify with early warning services as to why they closed my account. 

The ATM number XXXX",,Consent provided,Web,2016-05-02,Closed with monetary relief,Yes,No,CR1906032,2858
2016-05-02,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,"RECEIVED A CHECK FROM MERRILL LYNCH, CASHED THE CHECK AND FOUND OUT CHECK IS BOGUS. I AM OUT OF {$2900.00} AND WANT MY MONEY. 

XXXX XXXX XXXX or XXXXXXXXXXXX",,Consent provided,Web,2016-05-05,Closed with explanation,Yes,No,CR1906020,1147
2016-05-02,Credit card,,Other,,"In 2012, I believe that I became a victim of a phishing scheme and credit card fraud. I also believe that I am wrongfully being held to blame for the charge-offs on my credit report because Eagle National Bank refused to accept my disputes against the fraudulent charges to my credit card and they failed and refused to protect me from fraud as implied in their Visa protection policies, after I did file my disputes "" on time '' with them. // After a "" no settlement '' with them, I filed a complaint letter to the Consumer Financial Protection Bureau and received a return letter without the said "" attachments ''. // A request for the attachments has been submitted to the CFPB. // Once I had spoken with XXXX XXXX and the credit card account was closed, I was never notified that any charge offs were being placed on my credit report. I had never even heard of a "" charge off '' and had known nothing about what it was "" ever ''. I feel that I 'm being deliberately "" set up '' for some sort of further damage to me by Eagle National Bank. // I 've always been told that any credit card purchases have guarenteed protection and money back protection against "" any '' fraudulent transactions. // Only until now, I accidentally found that I could file a complaint about this matter to the Federal Trade Commission . // When the bank closed my credit card account, via XXXX XXXX actions, I believed that the matter was settled and over with. Nothing was said to me about it, no mail notification, no phone calls, no emails, so I believed that I was cleared by their "" fraud protection policy ''. ( Now, a double fraud against me ). // I now wish to demand that this matter is to be cleared and erased from my credit report history and my normal credit score restored, ( about XXXX ) with all of the credit score companies. // To me, in 2012, as a normal and un-informed person, I considered that a closed account was now null and void. // Any damaging information being added to my credit report without my "" consent or knowledge '' is what I would call "" illegally withholding damaging information against an innocent person '' ( by Eagle National Bank ). // I wish to demand justice. // I had no idea that this was going on against me, whatsoever. // End.",,Consent provided,Web,2016-05-05,Closed with explanation,Yes,No,CR1906426,1258
2016-05-02,Credit card,,Other,,"XX/XX/2013 my credit score reflects a negative notation for late payment. I have contacted Eagle National Bank about this issue letting them know that I had moved during that time frame and was not aware that I was late on payment. I asked for a goodwill removal which they said they could not process. Please help to remove this negative notation from my credit score. This credit card has been paid in full, and account was closed. I am trying to improve my credit score. Thank you.",,Consent provided,Web,2016-05-04,Closed with explanation,Yes,No,CR1906835,3138
2016-05-02,Bank account or service,Checking account,"Account opening, closing, or management",,"I have filed police report on XXXX/XXXX/XXXX, case n. XXXX, I was called by Eagle National Bank Fraud department that my Eagle National Bank card was being use and they closed the account. I was asked to open a new account and I was able to dispute the charges from account # XXXX during this period I was still fighting with Eagle National Bank car loan service, I was asked to go to local branch to talk to someone about late payments or missing checks. I requested payment record from XX/XX/XXXX to XX/XX/XXXX, I was told by the bank that the only things will be provided is bank statement, not copy of checks. if I want copy to be included I must pay them each check. I did not agree on paying for my own record while they continue to miss credit my account. On XXXX/XXXX/XXXX, I did filed an other police report due to scammer. case # XXXX. EN-bank account number # XXXX This account is closed by EN-bank. Since I 'm not getting any where with EN-bank car loan department and both of my checking are now closed, I 'm demanding that DT-bank must provide me with every checks I wrote to pay for my car loan payment. I want pictures of front and back of each checks so I can compared with my External account see what the evidence will lead me to. I will not pay Eagle National Bank any fee for me to be able to have my personal bank records. Since I purchase this vehicle I received payment slips at the binning of XXXX since that time I never received total payments subtracted from the original balance, but they continue to claim that I have late payment. as you can see a copy of letter submitted yesterday with all checks from XX/XX/XXXX, XX/XX/XXXX, and XXXX, XX/XX/XXXX, still never subtracted. I want all checks record before I can hired a lawyer.",,Consent provided,Web,2016-05-02,Closed with explanation,Yes,No,CR1905676,2472
2016-05-02,Bank account or service,Checking account,Problems caused by my funds being low,,I have XXXX recent issues with Eagle National Bank regarding XXXX different accounts. Both complaints have to do with excessive charging of fees. The first is Eagle National Bank assessed charges against an estate account which dipped below {$100.00} as I was in the process of closing the estate and account. The fees they charged caused the account to go into the negative. that is the only thing that caused the account to go negative. I fought that and got most ( but not all ) of the charges reversed. The 2nd item involved Eagle National Bank clearing unauthorized charges against a business account which put the account into the negative and then charging fees for being overdrawn which made the negative balance larger. I was unsuccessful in fighting EN on reversing these charges and had to deposit {$65.00} to bring the balance to XXXX. At this point I closed the account to stop the madness. When I again tried to get charges reversed I was told they could n't do anything about a closed account. All of this is deceptive and designed to extract fees from consumers.,Older American,Consent provided,Web,2016-05-02,Closed with monetary relief,Yes,No,CR1905609,4442
2016-05-02,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-05-02,Closed with explanation,Yes,Yes,CR1906446,1808
2016-05-02,Credit card,,Other,,,,Consent not provided,Web,2016-05-02,Closed with explanation,Yes,Yes,CR1906736,3895
2016-05-02,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-05-02,Closed with monetary relief,Yes,No,CR1906820,2155
2016-05-02,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-05-03,Closed with non-monetary relief,Yes,No,CR1905152,5240
2016-05-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-05-02,Closed with explanation,Yes,No,CR1904566,1524
2016-05-02,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-05-02,Closed with explanation,Yes,No,CR1906484,342
2016-05-01,Bank account or service,Checking account,"Account opening, closing, or management",,"I applied for a business bank acct w/Eagle National Bank online. I was approved & went into a branch with the co-owner and we established signature cards. BofA Business banking advised us that we could get a good deal on XXXX Payroll services if we each established personal checking accounts with BofA & used Direct Deposit. Each of us applied online for personal checking accounts and were approved. I went to BofA in XXXX and got a temporary personal ATM card on XXXX/XXXX/16. XXXX/XXXX/16 As a business, we contacted XXXX to find out how to set up payroll through BofA. On XXXX/XXXX/16, I bought breakfast with my temporary BofA personal ATM card at XXXX XXXX. On XXXX/XXXX/16, I went to buy breakfast from XXXX and was told by XXXX that the BofA Personal ATM card was inactive. XXXX : I called BofA from XXXX, XXXX and was told my personal ATM card had been reported "" lost or stolen '' and I 'd have to get another card. I called back less than an hour later and was told my account was frozen and closed and that I had to personally go into a branch to retrieve my account balance and could not receive any further information over the phone. I was working XXXX & could not stop working to drive to BofA 2 hrs away. This caused me to be without food and our business was forced to incur a XXXX fee from XXXX because this was the only way the co-owner could send me payroll funds to allow me to have food to eat. On XXXX/XXXX/16, Saturday morning I traveled 2 hours to get to Eagle National Bank to retrieve my funds and attempt to find out why I could not access my account and why it was frozen. Upon reaching the bank, XXXX bank representatives in XXXX tried to assist me. We contacted a phone number for internal Eagle National Bank reps that said my account was frozen and closed due to suspected identity theft. I stated that I was in fact XXXX XXXX and I had opened the account and they said that it was too late now. I 'd have to re-open an account with new funds. In addition, they would not give me my bank balance in person. Instead, they mailed it 4 hours away to my home in XXXX, XXXX. Here 's the problem : 1st : After opening the personal acct, I went in person into BofA branch w/multiple forms of identification ; sat at desk of a branch rep & got a temporary ATM card. I 'm on VIDEO! A brief investigation would 've uncovered this information. There was no identity theft to warrant closing/freezing my acct 3 days AFTER I WENT IN PERSON ; 2nd : They told me to drive to a BofA branch to get my money, but when I paid expense to get there to retrieve much needed gas/food money they refused to give it & said they mailed it to mt home 4 hrs away. 3rd : They caused my business to incur added cost. 4th : They discriminated against me personally, but not my business account. I want to know how and why they are able to do this. Last week our business filed a complaint against XXXX XXXX because over zealous investigators failed to release {$1600.00} dollar XXXX payment to us from our business customer. XXXX got no customer complaint, held the payment for a week & then made contact w/our customer & misled him by announcing they were Fraud Division. He thought it was an unrelated charge. I personally drove 2 hours back to the customer to find out what was said. The customer wrote me a check for the {$1600.00} and I used that check as an opening deposit with Eagle National Bank Business Account with the intention of making Eagle National Bank my new bank because I did not appreciate XXXX & XXXX handling of the matter. It 's my belief that my complaint against XXXX may have something to do with this treatment by BofA because BofA approved my personal account but then committed bad business practice by closing my account w/out even calling me to notify me of their action. Also Is BofA 's treatment a result of XXXX misreporting? Is it retaliati",,Consent provided,Web,2016-05-01,Closed with explanation,Yes,No,CR1904353,3380
2016-05-01,Credit card,,Other,,"My deceased husband ( died XX/XX/XXXX ) had a credit card with Eagle National Bank. Upon his death, Eagle National Bank placed the account in my name. 
I have no knowledge of this account. 
I have asked Eagle National Bank for a copy of the signature page that I would have signed in XX/XX/XXXX, when they claim the account was opened. Eagle National Bank can not produce one because I did not sign one. 
This account should not have been placed into my name. 
My credit report now has this delinquent account on it and my credit score has been seriously lowered. 
I have spoken with various Eagle National Bank representatives that do not have any of my information on their system. They did not have knowledge of my date of birth, social security number, etc. When I inquired why Eagle National Bank felt that my deceased husband 's debt was no mine the answer was always "" because our computer tells us that ''. They have admitted that there is no signature page from XX/XX/1991 ( when account was supposedly opened ) with my signature applying for this credit account with Eagle National Bank. 
Eagle National Bank has now 'charged off ' this account and has sold it to various collection agencies that call me repeatedly and send old monthly statements where my husband apparently used the account but no one can produce a signature page with my signature on it thereby creating an agreement/contract with Eagle National Bank . 
Please help me remove this from my credit reports with XXXX and XXXX. 
XXXX let me attach the note that "" I have no knowledge of this account. '' but will not report the information from my report. 
XXXX will not let me add the notation. 
XXXX does not show this account on my report. 
Please help me.",,Consent provided,Web,2016-05-01,Closed with non-monetary relief,Yes,No,CR1904396,5133
2016-05-01,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-05-01,Closed with monetary relief,Yes,No,CR1904619,2440
2016-05-01,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-05-01,Closed with explanation,Yes,No,CR1904474,971
2016-05-01,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-05-03,Closed with explanation,Yes,No,CR1904173,2817
2016-04-30,Bank account or service,Savings account,Deposits and withdrawals,,"I WENT TO MY BANK ATM MACHINE TO WITHDRAW MONEY FROM MY SAVINGS ACCOUNT PER THE POSTED DISPLAY SCREEN ALLOWING ME ONLY XXXX TYPE OF WITHDRAWALS WITHIN THE BANK STATEMENT PERIOD AFTER THAT I COULD BE CHARGED A FEE DO YOU WANT TO CONTINUE QUESTION ( YES or NO ) I PRESSED THE APP FOR YES BUT THE BANK FROZE STOPPED MY CUSTOMER OWN FUNDS WITHDRAW PEOPLE WORKING IN THE BANK AND DO NOT HAVE EXPERIENCE IN BANKING SYSTEM AS POORLY TRAINED I HAVE RIGHTS I AM THE CUSTOMER. THE BANK IS MAKING THIS A PERSONAL ISSUE AND RETALIATING PLEASE REMEMBER I STILL HAVE ALL LEGAL RIGHTS TO PURSUE A CIVIL ACTION IN THE APPROPRIATE COURT OF THE LAW, THANK YOU. 
",,Consent provided,Web,2016-05-03,Closed with explanation,Yes,No,CR1904226,4560
2016-04-30,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX/XXXX/16 I contacted the claims department at Eagle National Bank and gave information on a {$60.00} charge from XXXX and requested that it be reversed. Quibids offered to sign me up for a membership but said nothing about the {$60.00} charge I later discovered on my debit card, which over-drafted my account by {$25.00} and incurred XXXX {$35.00} overdraft fees. After calling the claims department, someone erroneously transferred me to the fraud department and after over 45 minutes on hold, the gentleman there insisted on cancelling my card, and it took another 20 minutes to have the card reinstated. Once I finally got to speak to someone in claims, an associate named XXXX argued with me about XXXX having a no-refund policy and how Eagle National Bank could not reverse the charge if this was the case. From the beginning I stated that the claim was about whether I had given XXXX permission to charge my debit card, not whether the company would refund me the {$60.00}. To make matters worse, Eagle National Bank insists on treating the claim like a fraud case, which routinely take 10 business days to investigate. I spoke to a claims supervisor by the name of XXXX and explained that my account carries a negative balance because of the charge and in the meantime I must purchase food and medicine ; however, since they insist on treating my claim as fraudulent activity, they will only offer temporary credits which expire within 24hrs while they take 10 days to investigate my claim. Since I previously suffered fraudulent use of my card last year, I am familiar with such procedures, and I remember having to call the bank on each day of the investigation and request ( beg ) for the temporary credit that I knew would expire that evening at midnight. I did this for XXXX days. By XXXX this evening there will be XXXX additional overdraft fees for each pending transaction, even though only XXXX of the transactions caused the overdraft. There is nothing to investigate as many consumers ( according to Consumer Affairs and XXXX have had the same problem : XXXX and XXXX. XXXX charging me without my consent was bad enough, what Eagle National Bank has done is worse.",,Consent provided,Web,2016-04-30,Closed with explanation,Yes,No,CR1903551,880
2016-04-30,Credit card,,Late fee,,"Eagle National Bank refused to debit my XXXX XXXX Bank Account and then charged me a late fee. I paid the late fee and despite numerous calls, Eagle National Bank will not debit my XXXX XXXX account.",,Consent provided,Web,2016-04-30,Closed with monetary relief,Yes,No,CR1903602,378
2016-04-30,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-04-30,Closed with explanation,Yes,Yes,CR1902581,1934
2016-04-30,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-04-30,Closed with explanation,Yes,No,CR1904286,250
2016-04-29,Credit card,,Other fee,,"Hello Team, I purchased airline tickets with XXXX worth {$3000.00} using my Eagle National Bank cash rewards card on XXXX. It attracted foreign transaction fee of {$91.00}. 
On XXXX the transaction was cancelled by airline. I spoke to EN associate on XXXX asking about why transaction fee was applied and if this will be reversed if the transaction is cancelled. He said yes these fee will be reversed. 
When i see the account ledger today I see the base amount of {$3000.00} is reversed but not the fee. I again spoke to associate today and she said they can not reverse the same. 
I dont understand if the service itself is not utilized why there is a fee. 




Thanks, XXXX",,Consent provided,Web,2016-04-29,Closed with monetary relief,Yes,No,CR1903003,9456
2016-04-29,Credit card,,APR or interest rate,,"This is a follow-up to Case number : XXXX. Eagle National Bank continued to charge me interest on XXXX XXXX. After calling enterprise customer care resolutions department, they have not returned my call hence I am re-opening this case. Thank you, XXXX 
",,Consent provided,Web,2016-04-29,Closed with explanation,Yes,Yes,CR1902841,4224
2016-04-29,Bank account or service,Checking account,Using a debit or ATM card,,"XXXX/XXXX/XXXX I purchased XXXX XXXX "" XXXX '' concert tickets. Concert intended date was XXXX/XXXX/XXXX. Postponed to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX XXXX announced on social media all dates were postponed and later all "" point of purchase '' sales would be honored. My tickets were purchased from XXXX. My receipt reflects this and sale by XXXX. Neither wants to offer a refund. I opened cases with XXXX. XXXX case was closed due to XXXX filing grievance against XXXX XXXX, not XXXX. XXXX XXXX responded "" We have no record of a charge or tickets sent out to XXXX XXXX for the event. He must have placed his order through a different seller. '' ( complaint XXXX ). Yet, when I called XXXX, who I never had spoken to before, I gave them my invoice number and they pulled up all of my ticket information. Come to discover, XXXX and XXXX share the exact same address, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) is listed as my biller and on the receipt the language says "" ALL SALES FINAL. REFUNDS WILL ONLY BE ISSUED IF THERE IS A CANCELLATION OF THE EVENT. '' Well, the original date WAS canceled and moved to another date ( postponed ) and now postponed again - with no mention of time, date, venue. I am charged a {$130.00} service charge. As a customer, a service charge should be indicative of services being provided to the customer. No services are being provided. My bank, Eagle National Bank, has a policy of only refunding money and doing investigations on inquires 60 days from purchase date ( I was told via rep ). There must be legal language somewhere when a customer makes a purchase with the expectation of receiving services and product in a timely manner. I have been told by both XXXX XXXX XXXX that XXXX XXXX can postpone until she is XXXX and legally not have to issue a refund. VERBATIM. This is outrageous. No person who buys a concert ticket, especially ones over {$100.00}, expects that they wo n't be receiving their product or services in future years from the intended original date when the product is suppose to be delivered. What is also outrageous is many ticket companies are honoring refunds while the company 's I 'm dealing with are n't.",,Consent provided,Web,2016-04-29,Closed with explanation,Yes,No,CR1902931,2222
2016-04-29,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-04-29,Closed with explanation,Yes,No,CR1900306,2205
2016-04-29,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-04-29,Closed with explanation,Yes,No,CR1903847,1030
2016-04-29,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-04-29,Closed with explanation,Yes,Yes,CR1902546,551
2016-04-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-04-29,Closed with monetary relief,Yes,No,CR1903427,4759
2016-04-28,Bank account or service,Other bank product/service,Deposits and withdrawals,,"Back in 2014 I cashed Savings Bonds for my daughter at XXXX different banks- Eagle National Bank and XXXX ( I have accounts with both of them ). They both reported interest earned to IRS. NOW, as an unemployed and XXXX XXXX XXXX, Financial Aid demands that I furnish a document of these interests earned ( XXXX, box XXXX ) but because I only received the summary for filing purposes, I had to contact both banks for a detailed XXXX showing the interests earned was from the savings bonds, NOT interested earned on savings. I had NO problems with XXXX, they sent me a detailed XXXX report showing that the interest earned was from savings bonds and I received it within FEW DAYS. Eagle National Bank never responded to my request so I called the bank again and submitted a second request. AGAIN, NOTHING. One rep called me asking me for more information but he found out that I was using a relay service, he refused to talk to me!!! I had to call and speak to a different rep then subsequently with his manager then the manager did some researching and found what I needed THEN RE-SUBMITTED MY REQUEST AGAIN to the tax department which would take ANOTHER TEN DAYS!!! I 've ALREADY waited TWO WEEKS for it! 
",,Consent provided,Web,2016-04-28,Closed with explanation,Yes,No,CR1900323,1075
2016-04-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I am not an XXXX so every year Eagle National Bank requests that I show proof of residency. This year I only received a phone call in which the EN representative left a voicemail. Being familiar with the process, I figured the written request may have gotten lost in the mail and on XXXX XXXX, 2016, I took it the usual documents to the EN financial center located at XXXX XXXX XXXX, XXXX, XXXX XXXX. I explained the situation to an associate, provide him the documents, and asked him to make sure that there will be no interruption to my banking services. He checked my documents and account and then assured me that everything was okay. On XXXX XXXX, 2016, my credit card was declined. I checked my mobile app and there was no warning attached to it. It was n't until I corresponded with a EN online representative that I found that all of my EN Checking and Savings accounts were frozen and my EN Credit Card was closed. The associate stated that this situation is being handled by a special department and there was nothing that she/he could do. The following morning, I went to another financial center ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. After a bit of investigation, the representative told me that the documents that I brought in to the XXXX XXXX XXXX branch had not been uploaded into the system ( despite the assurances that I received on XXXX XXXX, 2016 ) I was told that I would have to wait until Tuesday, XXXX XXXX, 2016 for this "" special department '' to come back from holiday. I called the bank first thing in the morning on XXXX XXXX. I provided the documents again and the freeze was lifted from my account. 

However, this 5-day freeze is causing me to lose my career. 

Every year I have to apply for my work permit. I had issued a Check ( # XXXX ) for the amount of {$380.00} to XXXX XXXX ( copy enclosed ) to re-new my work permit. The check had reached the bank of Friday, XXXX XXXX, 2016. Due to the freeze to my account mentioned above, Check # XXXX bounced and now Eagle National Bankn does not have any trace of it. Due to not receiving a payment, XXXX ( XXXX XXXX XXXX XXXX XXXX ) have rejected my work permit application, and hence, I lost my job on XXXX XXXX, 2016 which was the last day of my work permit. 

I contacted Consumer Advocacy of EN multiple times corresponding with XXXX XXXX XXXX and XXXX XXXX XXXX, who requested me to provide multiple documents showing the check has bounced, and immigration rejection letter. Interesting I was using another branch to provide these documents and the same situation happened, when I gave the documents to the branch, and they told me they documents were uploaded, however XXXX XXXX told me she is going to close the case, because I did n't provide the documents. 
After multiple back and forth and countless phone calls, and letters, On Friday XX/XX/XXXX XXXX XXXX told me there was a miss communication between branch, however they will not disclose any information to me, or reimburse me for my damages, loss of my job and they took me responsible for not providing the documents. 

I explained this is unfair, because I had provide the documents, and it is the negligence of an employee who caused this situation, and interestingly, she mentioned as a costumer it is my responsibility to make sure the documents are uploaded correctly, to the system that that I have no access to, and when I ask for receipt the branch always say they ca n't provide me a receipt. 

After trying to resolve this between myself and the bank and the above answers, I have no other choice that make my complaint more public and request escalation on this case.",,Consent provided,Web,2016-04-28,Closed with explanation,Yes,No,CR1900392,224
2016-04-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,TO WHOM THIS MAY CONCERN ; Filing a complaint against Eagle National Bank ok I open a account with them and I had someone pay me back in a money order and I deposit it in my account like a regular person would ok come to fine out with a letter in mail they sent me that the money order was fake I did n't know that so they put on my credit history fraud for that situation that happened and know I cant open no kind of bank of account and I believe that was n't my fault if you accepting a payment from someone I have XXXX kids I have too take care of and save for that 's why I need a account so I can save for my family I wsh they please get that off my credit history Because im not that kind of person to do any thing fraud never have please ; contact me XXXX for any question,,Consent provided,Web,2016-04-28,Closed with explanation,Yes,No,CR1900668,13923
2016-04-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I bank with Eagle National Bank, My card has been twice in a two week period and not even reached me yet. 
It took three days to make a complaint two DAYS TO PROCESS COMPLAINT AND 20 DAYS AND STILL HAVE NOT GOTTEN BANK CARD. i AM SO FED UP WITH SERVICE. SOMEONE GOES ON ON LINE BANKING AND DISTURBS ALL THE WORK THE BANKERS DO IN COURSE OF DAY.. i HAVE BEEN TARGETED MORE THAN ONE TIME IT IS AN INSIDE JOB. LOOK INTO MATTER PROMPTLY.. BANK CARDS ATM CARDS CHARGE NEED BETTER SOMETHING SO THIEF CAN NOT ACTIVATE. UN EXCEPTABLE",,Consent provided,Web,2016-04-28,Closed with explanation,Yes,No,CR1900452,3444
2016-04-28,Bank account or service,Checking account,Problems caused by my funds being low,,I overdrawn my account with a transaction and it posted and was charged the {$35.00} overdraft fee. The next day the bank reversed the transaction and charged me another {$35.00} overdraft fee. If I am being charged for an overdraft fee once for the transaction I should not be charged it again.,,Consent provided,Web,2016-04-28,Closed with monetary relief,Yes,No,CR1901141,4661
2016-04-28,Bank account or service,Checking account,Deposits and withdrawals,,"I wrote a check to my roommate to cover my rent for the upcoming month. I dated the check for the date that my paycheck would be in my account. I have done this countless times before and never had an issue. The check was dated for XXXX XXXX. On XXXX XXXX, 2016, Eagle National Bank ( the bank my check was from ) allowed the check to be cashed. That in turn caused my bank account to be overdrawn by nearly {$900.00}. When I contacted Eagle National Bank to ask why they would allow a check that was post dated to be cashed, I was told that they "" do n't really look at the date on the check ''. Since when?!? I asked to speak to a manger and was told again that they do not even look at the date on the check anymore. And that "" in this day and age, the date on the check does n't matter ''. The manager then explained that if I write a check to someone, they have up to 364 days after the date on the check to cash it ... So, they pay attention to the date in case the check is old, but do n't care if the date on the check has n't even occurred yet. How are you going to rationalize telling me the date matters if it is past 1 year after the check was issued, but that if it is prior to that date, you do n't care as a bank? I explained that because of this issue, I now did n't even have the money to get home from work that day. The manager then explained that I should know better than to post date a check and that I should not do it in the future. Overall, it was a very unsatisfactory customer service experience. They however were 'kind ' enough to reverse the {$35.00} overdraft fee that had occurred due to them cashing the check before the date on it. 
Today, XXXX XXXX, 2016, I looked at my bank balance and there was an additional {$70.00} that had been taken out of my account. {$35.00} for the account being over drawn ( I do n't get paid till Friday XXXX, XXXX that is why the check was dated for that day ), then, because that {$35.00} overdraft fee came from an account that was overdrawn, they charged an ADDITIONAL {$35.00}. I called the bank and had a very pleasant young lady who reversed the {$70.00} charge and also told me that she agrees with me that it is terrible business to allow a check to clear two days prior to the date that was on the check. I have had checks from government agencies and no bank will cash that check till the date on said check. But, because I am just little old me, somehow it does n't matter. 
It is really a shame too, I used to sing Eagle National Bank 's praises, but they have really done down hill. And they have lost a customer in me, along with every person I can convince to leave this bank.",,Consent provided,Web,2016-04-28,Closed with explanation,Yes,No,CR1901269,1210
2016-04-28,Credit card,,Other fee,,,,Consent not provided,Web,2016-04-28,Closed with monetary relief,Yes,No,CR1900863,4096
2016-04-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-04-28,Closed with explanation,Yes,Yes,CR1900428,11083
2016-04-28,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-04-28,Closed with monetary relief,Yes,No,CR1900789,326
2016-04-27,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank checking Claim # XXXX, XXXX On XXXX/XXXX/2016 XXXX, I recieved txt message from B of A stating "" B of A has temporarily restricted the use of debit card ending in XXXX. Call XXXX to verify '' when I was on my way to work. I got to the office and checked online banking statement. There was approximately XXXX activities about {$1400.00} that I did n't recognized. I called the number and spoke to representative. When the operator asked for information, I did n't answer fearing this could well be the part of fraudulent activity. So I hung up and called again using number in the back of my debit card, which is different from the number in the txt. The operator told me that the bank activities seemed fraudulent and told me that I would get my money back. All I had to do is to wait until the transaction would cleared from pending to fully stated in the bank account and to call the claims department to make sure of it. I was told the bank will investigate to catch the thief. Also during the conversation, I realized that the newly issued debit card was stolen, perhaps in the mail box. I never knew the new card ending in XXXX was coming on my way. 
On XXXX/XXXX/2016, I called and filed for claim for XXXX out XXXX transactions cleared in bank statement. On XXXX/XXXX/2016, I filed for claim for the last of XXXX transactions that cleared away. The operator told me that I would receive some letter for investigation. 
I got email for me to provide additional information. I complied that I did n't recieved card and I did n't know the identity of the suspect. 
On XXXX/XXXX/2016, the decision was made that they would reverse temporary credit. The reason was that "" the card was present at the time of the transaction and PIN number was used ''. I do n't know about how the thief knew my PIN number but of course the thief would possess the debit card. Later conversation with EN that the thief did n't use PIN. The claims person and insisted that I would give him the Police report #. 
On XXXX/XXXX/2016 I filed the police report ( # XXXX ) at XXXX XXXX Police station in LA and faxed this information to claims dept. 
On XXXX/XXXX/2016 B of A still denied to give credit for the activity. 
The reasons are as follow. 
The fraudulent transaction spans over period of days. ( fact : one day ) The file was claimed 6 days after the activity showing lack of urgency. ( fact : I called the same day and even moved money out of that account ) The suspect did n't maximize the transaction ( fact : he tried and denied at later transactions ) The debit card with chip could not be counterfeited and the suspect used the card ( fact : yes, therefore I reported stolen ) My statement over XXXX conversation with claims people are not consistent ( fact : I asked what 's not consistent and they did n't answer ) Eagle National Bank refuses to pay back for fraudulant activity. EN lacks brain to perform proper investigation. EN does n't protect customer from thieves. EN waisted so much of my time and energy and inflicted stress and XXXX.",,Consent provided,Web,2016-04-27,Closed with explanation,Yes,No,CR1898785,3869
2016-04-27,Bank account or service,Savings account,Deposits and withdrawals,,"I made a deposit of {$1300.00} in a mix of {$2.00} bills, {$1.00} coins, and {$.00} coins right before XXXX. However a few weeks later my online banking account said that I had a withdrawal of {$300.00}. I called to check with the bank as I had barely touched my account since the deposit. It turned out that the deposit that I had made was incorrect? I keep on getting pushed off to the bank manager then to customer service phone calls and vice versa. I counted every coin into every coin wrapper, so I should know if I was {$300.00} short. Plus it said that I was {$.00} short which does n't make sense at all considering I only deposited {$1.00} and {$.00} coins.",,Consent provided,Web,2016-04-27,Closed with monetary relief,Yes,No,CR1900232,1403
2016-04-27,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I reported in XX/XX/XXXX against a furniture store to Eagle National Bank and XXXX XXXX that the furniture store would not accept a return I asked for reporting the item was defective and fraud. I was assured that the charges would be reversed under such conditions.. A banking representative indicated all she needed was a statement in order to reverse charges for a refund, which I did. I made several attempts to return a Mattress, several phone calls, etc. I am requesting my funds to be reversed back in my checking account. The bank indicated too much time has lapsed when I reported this issue in a timely manner. 
As a consequence, the merchant had every excuse not to return the Mattress. 
A Banking representative even contacted XXXX XXXX and everyone at the store indicated that he or she can not speak English. However, on the contrary ; the furniture store ; in particular wrote in English and XXXX who answered the phone wrote the order. 
Recently as of yesterday ; the bank stated that my charges could not be reversed due to a time-lapse. I wrote all my statements and provided information in a timely manner to Eagle National Bank. Eagle National Bank has insurance for such claims. Eagle National Bank reversed the charges from my checking account in the amount of {$580.00}. 
This has been going on for seven months, and this claim should have been resolved. 
The Merchant even indicated to the Bank that I am enjoying the mattress ; which I never used and welcome the opportunity even today for XXXX XXXX to pick up the Mattress. 
I contacted the Merchant immediately after receipt of this Mattress, and the merchant was very uncooperative, and I could not even speak to a representative which is unethical business practice and fraud. 
",,Consent provided,Web,2016-04-27,Closed with explanation,Yes,Yes,CR1899464,2768
2016-04-27,Bank account or service,Checking account,"Account opening, closing, or management",,"I was looking to open a new bank account so I could save for specific things in different accounts. I XXXX good banks with promotional offers now, because I figured if I was going to open a new account I might as well get extra money to kick start my saving! I found XXXX reputable banks with good promotional offers that I could meet the requirements. One of these was Eagle National Bank. They offered a {$300.00} bonus for opening a checking account and making direct deposits totaling {$4000.00} within 90 days of opening the account. I met the requirements within 60 days and even called to check I met the requirements. When I still did n't get the bonus I called and they said they had no record of this offer on my account and to take a printed copy of the offer to the bank in person. I did this and the manager of the branch submitted an escalation request because he confirmed I had the offer in-hand and met the requirements. The escalation was denied, because they said this was a targeted mail offer. There is nothing in the fine print that says this at all, and it was something I found directly on XXXX ( not through another page then to EN, the search results went directly to the EN splash page ). This is dishonest to promise someone an offer and deny it based on something that was not in even written in the offer. If they had in the fine print on the online offer that you must have received a paper version of this in the mail to be eligible I never would have opened the account!",,Consent provided,Web,2016-04-27,Closed with monetary relief,Yes,No,CR1899775,415
2016-04-27,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX 2016, I stepped into a Eagle National Bank branch to make a deposit. I was alerted by the teller to contact Eagle National Bank customer service ASAP as there was a flag for suspicious activity. I completed my deposit and returned to work in the same area as the branch I visited, XXXX, CA. My phone and wallet had previously been stolen. EN was aware of this. I contacted Eagle National Bank and discovered that, at the same time I was making a deposit, my card was being used in XXXX, CA over XXXX miles from where I was making a deposit. Eagle National Bank refuses to honor my claim even when presented with this evidence. I have supplied the bank with a police report and supporting details and after XXXX evaluations, EN will not issue a credit to me and has closed my account.",Servicemember,Consent provided,Web,2016-04-27,Closed with explanation,Yes,No,CR1899781,2790
2016-04-27,Credit card,,Billing disputes,,"aaa visa credit card handled by bankamerica, Received email about late payment today, called and was told the card is now handled by XXXX. 

The card was my overdraft protection at Bankamerica checking account.",Older American,Consent provided,Web,2016-04-27,Closed with explanation,Yes,No,CR1897644,3242
2016-04-27,Credit card,,APR or interest rate,,"Back when I was younger, I missed a payment or went over my available credit once or twice on my Eagle National Bank credit card. They hiked my interest rate up to XXXXXXXX. I have been paying in full, never going over limit, and keeping my credit card in good standing for the last 3 and a half years and the company refuses to drop my interest rate or increase my limit.",,Consent provided,Web,2016-04-27,Closed with non-monetary relief,Yes,No,CR1898457,1198
2016-04-27,Credit card,,Other,,"I filed a complaint against B of A and they sent a letter stating they would remove an inquiry from my XXXX XXXX report as it was not authorized. They sent myself a letter and they sent XXXX XXXX a letter. XXXX XXXX refuses to remove the inquiry because B of A says the date was XXXX, XXXX 2015 and XXXX XXXX says it was XX/XX/XXXX. At this point I do n't know who I should be going against. I would imagine XXXX XXXX but Eagle National Bank promised they would remove the inquiry So, what to do. The woman at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, is n't working at the agency that takes care of B of A 's problems. She said it would be removed yet XXXX is refusing. I sent XXXX a letter asking them to remove the inquiry but again they refused. Please get this matter resolved or I have no choice but to sue XXXX for failure to cooperate and B of A for giving false information and obtaining an inquiry without my consent. I file a previous case but since it was supposed to have been resolved it was closed. I do n't actually know what date it is but XXXX XXXX is being a total XXXX over this matter but I believe it is B of A responsibility to take care of this matter. I should not have to be dealing with this any longer. 
",,Consent provided,Web,2016-04-27,Closed with non-monetary relief,No,Yes,CR1899829,12739
2016-04-27,Credit card,,Transaction issue,,"On XXXX XXXX, 2016 I made a payment of {$2400.00} to Eagle National Bank for my AAA Visa card not realizing that I was signed up for auto pay, so on XXXX XXXX, 2016 the auto payment of {$2400.00} was posted again. I received a statement from Eagle National Bank showing that I had a credit of {$1300.00} ( copy enclosed ). ( in the mean time AAA switch banks and as of XXXX XXXX, no longer have a credit card with Eagle National Bank ) so I called Eagle National Bank on XXXX XXXX, and asked that the credit amount be transferred back to my bank account, I was told that it would take 3 to 5 days for it to post. On XXXX XXXX, I received a letter from Eagle National Bank dated XXXX XXXX stating that as I requested they had transferred {$1300.00} back into my account. 
On XXXX XXXX, I checked my bank account I the transfer had not posted, I then called Eagle National Bank and told them, the person that answer the phone told me that sometime those transfer take up to 10 days. I called back later to ask why would a electronic transfer made on the XXXX, take 10 day to post. This time I Talked to a rep named XXXX after I explained my problem she said the only thing she could do was to file a complain ( no:XXXX ) she gave me a phone number and told me to call the next day to see what they had found. On XXXX XXXX after checking by bank account and finding that the refund had not yet posted I called Eagle National Bank again this time I talked to XXXX who after going thru the whole story again talked to her supervisor who told her that the problem was that as of XXXX XXXX they had no access to my account and that I should call the new bank because they now have my information, this puzzled me but I went ahead and called the new bank ( XXXX I do n't have any other info on the new bank because I have not yet received an statement from them ) they told me that they do not have any info on my account as of XXXX XXXX. Still puzzled as to why the new bank would have anything to do with my overpayment that was made to Eagle National Bank I called back this time I talked to a rep named XXXX, she told me that I had to wait 30 days for the refund to post on my account she did not say anything about not being able to access my account, I questioned why a wire transfer would take 30 days and all she could say that that was the way it was. 
I have spent hours on the phone trying to find a solution and all I get I the run around every time I talk to someone I get a different story, I am filing this complaint because I do n't know what else to do, and I need to get my money back.",Older American,Consent provided,Web,2016-04-27,Closed with explanation,Yes,No,CR1899198,5521
2016-04-27,Bank account or service,Checking account,Problems caused by my funds being low,,I was denied the opportunity to open a joint bank account at XXXX XXXX XXXX XXXX with my husband because of derogatory information reported to them by XXXX.,,Consent provided,Web,2016-04-29,Closed with non-monetary relief,Yes,No,CR1898389,387
2016-04-27,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-04-27,Closed with explanation,Yes,No,CR1897877,264
2016-04-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Servicemember,Consent not provided,Web,2016-04-27,Closed with explanation,Yes,No,CR1896858,3579
2016-04-26,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank has not provided any information of whats the cause of them putting me on XXXX, I have requested for them to send me any paper work for over 16 Months and EN Just keeps telling me that there 's nothing on there system reporting me as fraud",,Consent provided,Web,2016-04-27,Closed with explanation,Yes,No,CR1895386,3070
2016-04-26,Bank account or service,Checking account,"Account opening, closing, or management",,"This is the 4th time this year Eagle National Bank has returned payments to bank. I have now been banned by XXXX different Banks from using my Eagle National Bank account for them constantly returning payments. Eagle National Bank has signal handed destroyed my credit with their actions. The other day they returned a deposit to XXXX Bank. Earlier this year they returned a deposit to XXXX. They submitted the return on the wrong account and cause my credit account to be closed. Today Eagle National Bank refunded a {$70.00} payment to XXXX XXXX Bank. When I checked my account on XXXX/XXXX/16 I noticed it was at - {$11.00} with the XXXX XXXX XXXX Bank payments pending. Eagle National Bank purposely sent up their withdraws and deposit purposely to benefit them. XXXX XXXX is set up for automatic withdraw. XXXX of their payments came through on XXXX and post on XXXX XXXX side on XXXX. Eagle National Bank did not even begin to process theses till XXXX although they claimed to me today to do no work on the weekend. When I called Eagle National Bank early XXXX they informed me my transfer from XXXX bank should post today the transfer amount was for {$13.00} this more than covered the difference. This morning I checked my account to see that Eagle National Bank returned my {$70.00} payment to XXXX XXXX. They charged me a {$35.00} NSF fee for the returned payment and then posted my deposit on XXXX. Eagle National Bank refused to return the fee even though their staff were the ones to inform me that the {$13.00} transfer would go through on Monday. If I had known then I could have easily made a deposit in the ATM if the transfer was not going to process. I am located in XXXX were Eagle National Bank is headquartered I could have easily made a deposit at the XXXX of Eagle National Bank locations in the city. Eagle National Bank Deposit and charge policy is so selective their is absolutely no way to be prepared as a Bank member what they may or may not do. XXXX day something is posting and then the next its not. 
",,Consent provided,Web,2016-04-26,Closed with explanation,Yes,Yes,CR1897676,8200
2016-04-26,Bank account or service,Checking account,Deposits and withdrawals,,"XXXX XXXX ( A scammer ) offered to buy my tv for {$370.00} on XXXX. Said they would send certified funds via XXXX I rec 'd a check for {$1900.00} on XX/XX/XXXX and texted, asking why so much? The scammer responded that I send the overage via XXXX XXXX to their movers, a XXXX XXXX in KS. On XX/XX/XXXX my bank had cleared the check and the funds were made available in my account so I sent the {$1400.00} as requested. Today XX/XX/XXXX, my bank debited the {$1900.00} check saying the check was fraudulent. I have many texts & emails back and forth with this person prior to the check bouncing. When I texted today, I got no response.I have contacted XXXX XXXX ( case # XXXX ) and the XXXX Police ( case # not yet assigned ).",,Consent provided,Web,2016-04-26,Closed with explanation,Yes,No,CR1894625,4480
2016-04-26,Credit card,,Unsolicited issuance of credit card,,Eagle National Bank is changing information on a fraudulent credit card to hold me as a financial hostage the last date of payment is being moved around so that it remains on my credit report pls help pls help,,Consent provided,Web,2016-04-26,Closed with explanation,Yes,No,CR1896984,10798
2016-04-26,Credit card,,Late fee,,"I am concerned that Eagle National Bank is not treating all of its customers equally. I chatted with a supervisor named XXXX on XXXX/XXXX/2016 employee id XXXX. I asked if I could get the late fee waived as a courtesy, I realized I accidentally made two payments within one billing cycle, after I realized the error I promptly made the payment. I chatted with EN to explain the situation and asked that it be waived as a courtesy. XXXX stated it could not be waived as a courtesy due to my terms and conditions. I reviewed my terms and conditions while still in the chat and advised there was no mention of the fee being nonrefundable. He finally reviewed the terms and stated well it does n't have to say nonrefundable, I am not waiving it. I then asked if this is the policy for every customer and he stated it could be waived if I had a major life event. What is a major life event? Who decides if what is currently going on in my life is huge enough to qualify as a major life event? He stated it was maybe a newborn or a life event that caused me not to make the payment on time. I facetiously told him that I had a baby. He said congratulations call the customer service line explain it to them ad see if they will waive it. That brings up another issue, should n't all representatives of EN give the same information? If this rep is willing to do nothing for me and waive a fee for someone else, how do I know that it is not based on discrimination. If he is so adamant that a fee can not be waived, why is he encouraging me to call and ask that it be waived. I also got the impression from him that EN would just make up rules as we went along. I even asked several times are you stating that EN does not do courtesy waivers, he just kept saying per your terms. If there is nothing in the terms I received when i received the credit card, stating courtesy waivers are not allowed and other people have received courtesy waivers, what makes my account so different?",,Consent provided,Web,2016-04-26,Closed with monetary relief,Yes,No,CR1894758,2733
2016-04-26,Credit card,,Application processing delay,,"On XXXX XXXX, 2016 a final payment for the credit card debt was processed by Eagle National Bank for {$5200.00} along with a handwritten note on the reimittance to close the account BEFORE the annual fee would be charged in the following month. The instructions were NOT followed and the account was charge for an {$75.00}. I have tried to call them to ask them to read the note, refund the {$75.00} and close the account. they have refused. I believe this is clear example of the misleading practices by Eagle National Bank in an attempt to generate more income off of consumer eventhough they have been instructed to close the account before the fee. This appears to be very similar to the technique of delaying payments in order to generate fees. 
",,Consent provided,Web,2016-04-26,Closed with monetary relief,Yes,No,CR1894290,1845
2016-04-26,Credit card,,Other,,"XX/XX/XXXX / XX/XX/XXXX, I had XXXX Eagle National Bank ( B of A ) credit cards. They were used in a Fraud. I filed a police report and I notified B of A, But B of A, did not remove the cards from my Credit History. So I complained to their fraud office, and to the local bank branch manager many times. I also talked to their Area Manager, in XXXX Ca./ XXXX XXXX XXXX , and he was trying to help me, but could not. They finally removed the bad information for a short time in XXXX XXXX, but put it back on again in XXXX XXXX. I have called and complained to many employees at many offices of B of A ; I have lost the house I was buying last month, because I could not get approved by the lenders. B of A / 1 : Charged off the debts in XX/XX/XXXX, / 2 : Cancelled the debts in XX/XX/XXXX, and sent me and the IRS a XXXX in XX/XX/XXXX, on which I paid Taxes. But they still would not remove the bad credit from my file. Recently, they even show the XXXX debts as a collectable, and now in the most recent credit report, they are showing that I making payments, which of course is not true. ( Which adds to my overall monthly debt ) I was told by the B of A employees, that according to IRS rules, ; B of A, can not collect after they send the IRS a XXXX. Please note that information is too old, and that it should be also removed under the Statute of Limitations Act, which in California is two years only not 10 years. Please help me with this situation that is keeping me totally sleepless and for which my family is suffering greatly. Thank You.",,Consent provided,Web,2016-04-29,Closed with explanation,Yes,No,CR1896726,3652
2016-04-26,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-04-26,Closed with monetary relief,Yes,No,CR1896521,4820
2016-04-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-04-26,Closed with monetary relief,Yes,No,CR1896682,622
2016-04-25,Bank account or service,Checking account,Deposits and withdrawals,,"For the second time in 6 months, my Eagle National Bank account has been compromised. My purse was stolen out of my car XX/XX/XXXX. My account was compromised at the time but Eagle National Bank put an alert on my account to ask for verbal password for bank center transactions. I closed that account and just opened another one. On XXXX XXXX, 2016, someone was able to use only my ID and with draw {$1300.00} from my bank account. Usually I 'm asked for XXXX forms of ID ( ID and bank card ) when I make a drive thru transaction. Furthermore, if my account has an alert on it then the culprit should 've been asked to provide the verbal password. It was not provided. The bank manager was very rude and was not accepting responsibility for their lack of securing my account. I honestly feel like it 's an inside job at this point because they wo n't give me the contact to their regional manager to discuss the issue. I should have switched banks after the first incident but I thought the matter had been resolved. Six months later and here I am going through this again, and this time the bank associate ( s ) are very rude and not helpful at all.",,Consent provided,Web,2016-04-25,Closed with monetary relief,Yes,No,CR1894744,3039
2016-04-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have a HELOC with Eagle National Bank. It was originally written by Countrywide and sold some years ago to EN. I have a EN checking account used exclusively to autodraft my monthly interest payments to the EN payment center for this loan. 

I just learned today that the autodrafts were stopped and my loan is in foreclosure. No one at the branch bank could explain this. They put me on the phone with EN mortgage, which then sent me to the foreclosure department, where was told that a Reinstatement Letter was being faxed with my amount due on it, and that i would have it in 1-2 hours, and then could obtain a cashiers check from the my EN branch, which they could overnight. After that I would have to call and write several other people to get my credit reinstated and the attorney fees and late fees returned to me. This took 90 minutes on the phone while in my branch office The fax number I gave was my branch managers number. 

When I returned, I was told no one received a fax. I had to call the Foreclosure department again, who this time told me it was impossible to get an amount to pay them for three days. 

The underlying facts are : I have the money in my EN account. I never stopped the autodrafts. No one at EN can explain how they stopped - not even their technical support division. No one at EN will ALLOW me to pay them. And, they have found a way to add unknown late fees and attorney costs - while destoying my creditworthiness to all - without my knowledge and while I was enrolled in their system to make all payments promptly. 

ALL of my recurring payments - XXXX mortgages, utility bills and alarm monitoring at XXXX properties in XXXX states, etc. are handled using automatic drafting because I travel for months at a time and am not present to make payments or to receive mail. EN has designed a system in which its customers are put at great risk. 
",,Consent provided,Web,2016-04-25,Closed with explanation,Yes,Yes,CR1895756,3443
2016-04-25,Bank account or service,Checking account,"Account opening, closing, or management",,"My husband died in America and I was forced to return to XXXX XXXX. I 'm the Executor of his estate but the Eagle National Bank refuses to pay me the balance in his account. There reason being? we are not going to be able to accept the documentation you provided to me to open an estate account. As we discussed before in the past, the documentation for the estate would have to be from a State of Florida Judge naming the personal representative to the estate. Once we have that documentation and a tax ID number for the estate we could then open an estate account for the funds that he had here at Eagle National Bank to be deposited in and the personal representative could distribute the funds as they see fit.",,Consent provided,Web,2016-04-25,Closed with explanation,Yes,No,CR1895436,237
2016-04-25,Bank account or service,Checking account,Using a debit or ATM card,,"XXXX XXXX IN THE EVENING TIME I HAD LOGGED INTO MY Eagle National Bank ACCOUNT ONLINE TO SEE THAT THERE WERE FRAUDULENT CHARGES FROM A XXXX XXXX A XXXX IN THE TOTAL AMOUNT OF XXXX. AS SOON AS I SAW THIS AND REALIZED THAT MY DEBIT CARD HAD BEEN STOLEN FROM ME BY WHO I STILL PRESUME TO BE IN CONNECTION TO MY OLD ROOMMATE AND HER FRIENDS. Eagle National Bank IS NOT 24 HOURS SO I COULD NOT GET IN TOUCH WITH ANYONE BUT THE AUTOMATED PHONE SYSTEM SAYING TO CALL BACK DURING BUSINESS HOURS. 
SO THE ONLY THING I COULD DO TO PREVENT ANYMORE FRAUDULENT CHARGES IN MY ACCOUNT WAS TO LOCK THE CARD WHICH A FEATURE THAT Eagle National Bank HAS ONLINE TO PREVENT USAGE OF THE CARD. I CALL THE NEXT BUSINESS DAY TO DISPUTE THE TRANSACTIONS AND A COUPLE OF DAYS LATER I WAS REFUNDED HALF OF THE AMOUNT IN WHICH Eagle National Bank A COUPLE OF WEEKS LATER HAD TAKEN BACK THE CREDITS REFUNDED IN THE AMOUNT OF {$1500.00} SAYING THAT NO ERROR HAD OCCURRED BECAUSE MY PIN WAS TYPED IN CORRECTLY ALLEGEDLY WHEN I AM THE ONLY AUTHORIZED USER HOWEVER DUE TO BEING OUT ON THE WEEKEND, IT WAS POSSIBLE FOR SOMEONE TO HAVE BEEN OVERLOOKING MY SHOULDERS BECAUSE THAT IS THE SAME TIME THAT MY CARD WENT MISSING WHEN I WAS WITH A GROUP OF FRIENDS AND FRIENDS OF FRIENDS. I HAVE ASKED THEM TO TAKE ANOTHER LOOK AT THE CASE AS THIS WAS CLEARLY FRAUDULENT AND SOMEONE HAD COMPROMISED MY INFORMATION TO EXTRACT FUNDS THAT I HAD NO PRIOR KNOWLEDGE TO NOR HAVE DEALT WITH BEFORE AND SO Eagle National Bank DENIED MY CLAIM AND REFUSED TO GIVE ME MY MONEY AND STILL IS AN ONGOING FIGHT TO GET MY MONEY BACK THAT I DID NOT PARTICIPATE IN OBTAINING AND THAT I AM A VICTIM OF FRAUD.",,Consent provided,Web,2016-04-25,Closed with explanation,Yes,No,CR1895454,10566
2016-04-25,Credit card,,Customer service / Customer relations,,"I have been in dispute with Eagle National Bank about what I considered "" false '' charges on my credit card ending in XXXX. I received paperwork from them and in the time I was waiting for the dispute to be settled and updated, I was waiting for them to update what I owed on my closed account. I made a good faith payment of {$100.00} and they reported to the credit reporting agencies ( All of them ) that I was late 30-60 days. I contacted the bank asking for them to correct the report and they said their hands were tied and they could not. I think this is wrong and misleading on their part, as they know this account was under dispute and I was unaware what I owed them",,Consent provided,Web,2016-04-25,Closed with monetary relief,Yes,No,CR1895132,3832
2016-04-25,Bank account or service,Checking account,Problems caused by my funds being low,,"Bank allowed charges to go through on my account after I told them not to via secure message on the online banking site. 
They told me that the conversation I had with their employee only related to not allowing money from my savings account to be used towards the charges and not the main account. 
At no time when I signed up for the account and signed a form to allow charges to go through without sufficient funds or when I advised them to stop allowing any charges to go through was I told that this was a separate agreement. 
",,Consent provided,Web,2016-04-25,Closed with monetary relief,Yes,No,CR1895033,3959
2016-04-25,Bank account or service,Checking account,Problems caused by my funds being low,,"I have a banking account with Eagle National Bank. EN Bank has a consistent pattern. If you get a statement on the XXXX of the month and you pay your bills on the XXXX, they both go in the same date and Eagle National Bank will charge you an Overdraft Fee for EACH payment that you paid electronically. They have totaled for last month taken over {$800.00} in one month in overdraft fees. Since the beginning of the year it has been over {$2000.00}. 
",,Consent provided,Web,2016-04-25,Closed with explanation,Yes,Yes,CR1895469,4928
2016-04-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,Other,Web,2016-04-28,Closed with non-monetary relief,Yes,No,CR1894948,1752
2016-04-25,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-04-25,Closed with monetary relief,Yes,No,CR1895094,2056
2016-04-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-04-25,Closed with non-monetary relief,Yes,No,CR1895402,898
2016-04-24,Credit card,,Credit card protection / Debt protection,,"My name is XXXX XXXX I had a 5.9 % fixed interest rate on my credit card before Eagle National Bank bought it out. The 5.9 % fixed rate carried over when Eagle National Bank took over until recently they changed me to a higher and variable rate without my consent and for no other reason. I have great credit. 
PS When I first spoke to a representative about this he stated that my rate had changed due to Government rate changes. This is when I knew that I no longer had the fixed rate. I then asked if there were any one receiving a fixed rate and there are. Therefore I requested that my rate be changed back.",,Consent provided,Web,2016-04-24,Closed with explanation,Yes,No,CR1893586,1837
2016-04-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I received a XXXX from the IRS stating that I did not report {$1000.00} of income reported on a XXXX from Eagle National Bank. 
Account number as reported by IRS is XXXX I was never mailed a XXXX, I do no income producing business with Eagle National Bank, my only account with them is a credit card which is current, never late, and has not shown any credit to the amount of {$1000.00} for any reason, and when I call EN to try to figure out what this is for, I get run around from department to department, and nobody can tell me WHY I was issued a XXXX, only that I was. 

I 'm now being charged interest and penalties by the IRS for this, and EN does n't seem to care or be able to tell me why I was issued a XXXX, which strangely never showed up at my house in the mail. 
",Servicemember,Consent provided,Web,2016-04-23,Closed with explanation,Yes,No,CR1893847,4079
2016-04-23,Credit card,,Transaction issue,,"I did not recognize a credit card charge and disputed the charge. I received a letter informing me that the charge is valid, without additional detail on who the merchant was. 

I still do not recognize the vendor and still do not know what this charge was for. 

The charge is only {$5.00} but if this is because a hacker is siphoning off a few dollars off of everyone, then it still deserves to be investigated. 
",,Consent provided,Web,2016-04-23,Closed with monetary relief,Yes,No,CR1893880,3296
2016-04-23,Credit card,,Advertising and marketing,,,Older American,Consent not provided,Web,2016-04-23,Closed with non-monetary relief,Yes,Yes,CR1893751,1667
2016-04-23,Credit card,,Other,,,Older American,Consent not provided,Web,2016-04-23,Closed with non-monetary relief,Yes,No,CR1893829,87
2016-04-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Check Fraud Claims Eagle National Bank XXXX XXXX XXXX, XXXX XXXX Att : Fraud Division RE : Case Number : XXXX Claim Number : XXXX Dear XXXX XXXX : As you already know it, I am a victim of identity theft from XXXX XXXX ( * ), where one of your Eagle National Bank Branch at XXXX, XXXX Opened ( * ) an "" Checking Account '' to someone using my personal information, Social Security Number, DOB, Name, other. ( Except My Real Id ). 
After submitting all the documents to your office, Police Complaint, FTC Complaint Fraud Division, IRS Claim, Social Security Complaint Notice, DHS and obviously Eagle National Bank ( Fraud Division ) the account still on my "" Credit Report '' as a Negative one to my personal credit. 
On XXXX XXXX, XXXX, you sent me an "" Fraud Statement For Identity Theft Account '' where after you completed your investigation research account claim ; you determined that I 'm not the person who open the "" Checking Account and, Credit Card etc. 
On XXXX, XXXX Eagle National Bank approved a Credit Card, to the same person using my personal information again ( Using XXXX XXXX XXXX ) my name on the same account was opened fraudulently. 
As you already know my intention and the only one is to Clean my personal account from the appropriate credit agencies where a negative account appear on those credit report. 
My acknowledge is that Eagle National Bank, is one of the biggest respectful, honest, and responsible bank in North America and around the world. According to the FCRA, you have to comply with those regulations and "" Disclosure To the Consumers '' all the information you have available to victims, fraudulent transactions, identity theft, evidence to myself and to any law enforcement agencies. 
Finally, I thinking that I do n't have to looking or contract a legal advisor, reason that your investigation and the information you have on your record let you know the mistake you did it. 
My Name is XXXX XXXX XXXX, as you already know my last name is XXXX. XXXX is my Mother last name. ( In XXXX XXXX we used Father and mother last name ) The Person used and theft my personal information ; gave to you and fraudulent ID if any (? ) to opened bank account with my mother last name : ( XXXX ) ( XXXX XXXX XXXX ) I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and my credit report showing the items that I dispute. [ Consumers should redact information from both reports that is unrelated to the dispute with this company. ] Because the information you are reporting is the result of identity theft, and does not reflect my activities, I am requesting that you stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
Enclosed are copies of [ use this sentence if applicable and describe any additional enclosed documentation ] supporting my position. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. Please cease reporting this information to the CRAs, investigate [ this/these matter ( s ) ], and delete the disputed item ( s ) as soon as possible. 
Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 
Sincerely, XXXX XXXX XXXX Enclose : Identity Theft Report, Proof of identity : a copy of my driver 's license/other government-issued identification card, Address in XXXX XXXX from XXXX and before, Others. 
",,Consent provided,Web,2016-04-22,Closed with explanation,Yes,No,CR1893196,1705
2016-04-22,Bank account or service,Checking account,"Account opening, closing, or management",,"I was charged an overdraft fee ( {$35.00} ) on my Eagle National Bank checking account when my account balance was not in the negative and I had enough money to cover the transaction. The bank refuses to refund the overdraft fee, telling me that over 6 months ago I "" already had XXXX overdraft fee refunded. '' So somehow, I 'm being penalized because the bank made a similar mistake twice! 
",,Consent provided,Web,2016-04-22,Closed with explanation,Yes,Yes,CR1891582,1046
2016-04-22,Bank account or service,Checking account,Problems caused by my funds being low,,"On XXXX XXXX, 2016 a Notice of Lien was filed on my account with Eagle National Bank in the amount of XXXX from an attorney. Eagle National Bank doubled the amount and put "" on Hold '' XXXX. I made several phone calls to explain the CASE # is the same even though the judgment and notice of lien was filed as joint. After several phone calls and visiting the Eagle National Bank branch on two separate occasions due to the person in their legal department told me to go into the branch and sign a "" early payout '', the branch rep typed up a form however the amount was NOT correct so I could n't sign it, no resolution to the problem and my account continued to be charged. On XXXX XXXX XXXX was debited from my account and I was charged XXXX twice, once for me and once for my husband. On XXXX XXXX XXXX and XXXX was debited from my account. As of XXXX XXXX, 2016 the attorney has NO RECORD of Payment and Eagle National Bank can not tell me where my money has gone. So, for a lien of XXXX, my account is out a total of XXXX and no one ( after 13 calls and two visits to the branch ) can tell me where those funds have gone. I am on Day 17 with no sign of resolution in site. With no explanation my fees for overdrafts is totaling over XXXX between the bank and creditors that items were returned to. Since XXXX XXXX, I have agreed to release the funds, and no one can seem to assist me. I did not dispute the lien, I wanted to pay this but having my account debited on three separate occasions and the amount of time it has taken for them to resolve this issue is criminal. I believe when they got the order on XX/XX/XXXX after they took their fees of XXXX, the only funds available were XXXX, however on XX/XX/XXXX payroll was deposited and all the funds were available, but no one ever looked back at the account to report that, even with me calling and begging them to help me resolve this. I do n't normally look at things like a conspiracy but how can I not think this delay was all to earn additional fees. This has created a disaster of my finances and I have felt so in the dark on what to do. The only notice I received from Eagle National Bank was on XX/XX/2016 in both mine and my husbands name for the amount of XXXX, no other notice was ever received from the bank. 
",,Consent provided,Web,2016-04-22,Closed with monetary relief,Yes,No,CR1892141,4373
2016-04-22,Credit card,,Unsolicited issuance of credit card,,"Eagle National Bank ( aka Merrill Lynch ) hereinafter referred to as "" the Bank '' issued to me a credit card years ago. ( Credit card ending in XXXX - last XXXX digits ). At all times the consumer credit relationship was well managed with timely payments at all times. XX/XX/2015 I abruptly terminated a Wealth Management Investment Account with Merrill Lynch for frivolous, unauthorized trading by my Merrill Lynch Financial Advisor. Shortly thereafter, without notice or my prior authorization, Eagle National Bank/Merrill Lynch closed my consumer credit card ending in XXXX. Then, and again without consumer authorization or prior consent Eagle National Bank unilaterally opened and assigned an unwanted new consumer checking account ending in XXXX, Without my authorization Eagle National Bank allowed previously authorized automated payments from the XXXX account to flow to the XXXX account for which I had no prior knowledge that the account existed. To this day Eagle National Bank has not communicated the issuance of this new account. I became aware of this unauthorized Eagle National Bank credit card when a accoun statement appeared in the mail, and ; when when XXXX+ FICO score was impacted by a tri-bureau inquiry performed by Eagle National Bank for opening of the unauthorized account. 
This maneuver has the appearance of unethical business practices by Eagle National Bank in direct retaliation to the terminated Merrill Lynch Investment Account for the unauthorized and frivolous trading conducted by the Merrill Lynch Financial Advisor which was ultimately investigated by XXXX and resulted in consumer restitution.",Older American,Consent provided,Web,2016-04-22,Closed with explanation,Yes,No,CR1892983,107
2016-04-22,Credit card,,Identity theft / Fraud / Embezzlement,,"I obtained an XXXX XXXX XXXX through Fidelity Investments, and neither is taking responsibility for the gross negligence which allowed fraud to go undetected. Responsibility is being shifted over to Eagle National Bank, a new vendor, and Fidelity has distanced itself from the product so that I can not even log on the account through their website portal. The balance remains on my credit report with major damage to my credit rating. The company address I am being given is FIA Card Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX But Eagle National Bank sent a no-reply email indicating that they are located in XXXXXXXX. The contents of the email suggest that collections will proceeed, even though this has been entered into dispute. XXXX was shocked they were not doing basic fraud detection that would be standard, but they have told me to deal directly with Fidelity who is dumping me off onto an unwanted relationship with Eagle National Bank with a balance and ruined credit rating. 

I hope everyone reads this because Fidelity Investments was who I entered an agreement with, based on their company reputation, in addition to having respect for the XXXX XXXX logo. But that 's not who I am dealing with, and the damage is substantial. 
",,Consent provided,Web,2016-04-28,Closed with explanation,Yes,Yes,CR1892432,3669
2016-04-22,Credit card,,Billing disputes,,"On XXXX XXXX, 2016, I used my Eagle National Bank Credit card at a XXXX XXXX to purchase a refrigerator. But before I completed the transaction, I changed my mind and used my XXXX credit card instead. XXXX assured me that the charge on the Eagle National Bank card never went through, and I did not see any receipt come out of the register, so I believed them. 

The next day I had to cancel my order because I realized the refrigerator was too big for my kitchen. XXXX card refunded my sears charge immediately and never billed me for the charge. 

A couple of weeks later, I was surprised to see the XXXX charge on my Eagle National Bank statement. I called to dispute the charge and explained exactly what happened. I then called XXXX XXXX to see if they had any record or receipt to evidence the transaction between XXXX and Eagle National Bank for that day. I was told there was none. I called Eagle National Bank again and relayed that information to them. I thought Eagle National Bank would call XXXX and learn that I never took that refrigerator and that there was no record of the Eagle National Bank charge. Instead, two weeks later, I received a letter from Eagle National Bank asking me to resubmit the facts I had already conveyed over the phone, and documents to prove that I paid for the refrigerator by some other means. I did not have the receipt for my XXXX card because they never charged me and I never got the refrigerator. But, I completed the form and submitted it as instructed. 

A few weeks later, I received the same type of notice, again demanding I provide proof that I paid for the refrigerator by another means. I called Eagle National Bank and expressed frustration at their failure to resolve this issue and their insistence that I prove that I did not authorize the charge. I asked for proof that this charge was ever authorized by me, which I knew they could not produce, because there was none. I asked if they contacted XXXX. They said that they did, but did not provide me with the results of that communication. I asked for proof that they paid XXXX anything on my behalf, for which they were charging my account. They provided none. 

On XXXX XXXX, I received a final letter from Eagle National Bank informing me that they "" were unable to determine that a billing error occurred based on the information or documentation available to us. '' They did not provide any factual basis for that conclusion, nor did they outline the steps they had taken to investigate the charge, or the specific results of that investigation. 

It is beyond ridiculous that a credit card can present a consumer with nothing other than a statement by them claiming that a charge took place as the sole evidence that a charge is legitimate and actually authorized. Furthermore, it is outrageous that once a consumer has disputed that charge and clearly and unequivocally stated that they never authorized the charge or received the product or service that the consumer be required to prove a negative as opposed to the credit card providing evidence that the transaction was legitimately authorized and took place. 

It turns all logic and reason on its head. I can only conclude that Eagle National Bank operates in such a fashion in a deliberate effort to defraud its customers of monies they never spent. 
",,Consent provided,Web,2016-04-22,Closed with monetary relief,Yes,Yes,CR1892168,1329
2016-04-22,Credit card,,Transaction issue,,"On XXXX/XXXX/XXXX I entered an XXXX at XXXX. XXXX XXXX XXXX, XXXX - So XXXX, XXXX XXXX - MG, XXXX to withdraw a cash advance to pay my rent as I am working and traveling overseas. Eagle National Bank has been notified of my travel since XXXX XXXX. On XXXX/XXXX/XXXX I attempted to receive a cash advance from said XXXX XXXX in the amount of XXXX ( XXXX ) XXXX. On the first attempt, the ATM in question told me the transaction could not be performed at that time. I then tried on a second ATM machine, incorrectly put in my PIN and then cancelled the transaction. On the third attempt, I was able to receive the cash advance for XXXX XXXX at Eagle National Bank 's daily exchange rate of USD ( U.S. dollar ) XXXX. 

I had XXXX transactions for a cash advance in the same amount ( USD XXXX ) post to my account for a total of USD XXXX. XXXX transaction posted with a corresponding ATM fee of USD XXXX. I have since paid both that cash advance, the transaction fee, and any corresponding interest charged on the account. The XXXX transaction posted and was credited back to my account. The XXXX transaction in question, for USD XXXX remains pending on my account since XXXX/XXXX/XXXX. 

I have called Eagle National Bank on two separate occasions to inquire about when this transaction will be "" rolled off '' my account. The first time, I was told it would roll off in approximately 5 business days. 

Today, XXXX/XXXX/XXXX, I was told that they 'usually ' roll off within 7-10 business days. I was transferred from Customer Service to the "" Authorizations '' section of the Fraud Department. The "" authorizations '' employee was unable to remove the pending charge so I requested to speak to a supervisor. That supervisor then transferred me back to Customer Service, remaining on the line. When the Customer Service department told the supervisor that they would need to speak to "" Authorizations '' I was again transferred back to the Fraud Department. At which time, the supervisor that was on the line with me abandoned the call and I was 'blind transferred ' back in to her own department, apparently. 

I received only XXXX cash advance on XXXX/XXXX/XXXX in the amount of XXXX XXXX ( USD XXXX ). I would like the pending charge removed in a timely and efficient manner. In all my conversations with all representatives that amount of time has been 10 days at most. I have received no other information on the matter. In my last conversation with a Fraud Department representative I was summarily told that I needed to contact XXXX and get a "" removal code. '' I informed the Eagle National Bank representative that they had each individual transaction and that someone at Eagle National Bank should know, definitively, the outcome of each of those transactions or be able to get that information in a timely manner. I was then told that I should do so because "" I was the one that chose to do business with XXXX. '' I then informed the the Eagle National Bank representative that there were no branch or ATM locations for Eagle National Bank in XXXX and that if I was not mistaken Eagle National Bank was still obligated to provide me cash advance services as I need them through existing agreement for travel credit card services. I also informed them that I did not know what a "" removal code '' was nor did I feel it was my responsibility to contact XXXX of XXXX and involve myself in an arbitration that should have been ( or should be ) addressed between their XXXX parties. 
",,Consent provided,Web,2016-04-22,Closed with explanation,Yes,No,CR1892939,812
2016-04-22,Credit card,,Billing disputes,,"Target is incorrectly reporting the day of first delinquency. They are reporting that the day of first delinquency is the month after I settled the account. Prior to this settlement payment there were no payments payments made and the account was reported delinquent for 7 months. At that point there was an attempt to bring the account current for a minimal payment, but i disagreed with the terms and did not make any more payments. Prior to that the last minimal payment was made 3 months prior in which a minimal compromised payment was made for 3 months. Target has re-aged this account violating 15 U.S.C. 1681c ( 1 ) No where in the act does it state that a debt can be re-aged after a lump sum or payment in full is made. This account was clearly delinquent 7 months, arguably 10 months. The delinquency could even go back further as I started missing payments 6 months earlier XX/XX/2008, They are claimin DOFD as the day after it was settled in full which is not right. 
",,Consent provided,Web,2016-04-27,Closed with explanation,Yes,Yes,CR1892503,3688
2016-04-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-04-22,Closed with explanation,Yes,No,CR1892254,957
2016-04-22,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-04-22,Closed with explanation,Yes,No,CR1891454,1323
2016-04-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-04-23,Closed with explanation,Yes,No,CR1891809,9276
2016-04-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Eagle National Bank allowed for everything to overdraft on my account expect for one item. Which got charged another NSF. When I asked them why they did n't approve this transaction that was processed first and was the smallest amount. Their answer was pretty much "" we did n't want to """,,Consent provided,Web,2016-04-21,Closed with monetary relief,Yes,No,CR1889453,4089
2016-04-21,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank is in the process of closing my account. I have $ XXXX in my checking account that they will not release to me. I 've called the number directed to call and left several messages. No one has responded with any information. I went to the branch and advised to call the XXXX number again. I want my funds released to me 
",,Consent provided,Web,2016-04-21,Closed with explanation,Yes,Yes,CR1891209,4024
2016-04-21,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I Contacted the bank on XXXX XXXX, 2016 after receiving an alert on my phone that my account balance was low. I checked my account to find that someone had withdrawn money from my account the previous day from a XXXX atm machine in XXXX XXXX Maryland. I was admittedly alarmed because I have been a victim of identity theft before and I was upset that this has happened to me again. I filed a police report in hopes of having the atm footage pulled to see how and who could have done this, while my card was still in my possession. I have received a new card in the mail however, my funds were not given back to me. I called the bank to follow up on my claim and I was told that the case was closed because since the incident happened in my geographical area no fraud had taken place. I am now in disbelief!!! The person I spoke with also went on to tell me that It had to be a friend or a family member that I gave the card and information to because there was no counterfeit card used. At this point I XXXX feel so betrayed by the very people I trust to protect my money. I was told there was nothing else the bank could do for me. I asked had they obtained that camera footage, he stated to me he would not have that information and even if they did, "" I '' would have to identify the person in order for the bank to do anything. WHAT????? I have called XXXX XXXX, the police department in my area, the police department in the area where the fraud took place and NO ONE can steer me in the right direction. XXXX XXXX states that Eagle National Bank should protect my money and that they can request the camera footage directly from them, the police department in my area states this has to be handled by the police department in the area of the fraud, that police department states that my district has to send over the information to them. My district now states they have no way of sending over the information. Meanwhile, someone is out here who has stolen my money and has basically gotten away with it. That account was set up as child support for my XXXX year old daughter through the state of Maryland, I am a hard working woman that provides for my family but to have someone take money from me and I have no support is very disheartening as a consumer. I need to know who can help me with fighting this claim, I can not afford to just let this go and I did absolutely nothing wrong. I have requested for the camera footage to be pulled and I ca n't even get that done. Someone has stolen from me and I am the one being treated as the criminal. I will do whatever I have to do to prove I have been victimized. The police officer told me this has been happening alot and the bank made me feel like they have never heard of such a thing. I would never allow someone to use my atm card or have access to my personal identification number that't why I have so many alerts and passwords on my accounts to try and prevent this from happening. I have a police report number, the date the transaction took place and the amount that was taken from me. Also the bank told me since the PIN number was entered the first time correctly, I must have given it to someone!!! I have never felt so disrespected in my life. I will be closing my accounts once this is resolved because I can keep my money safer at home. 
",,Consent provided,Web,2016-04-21,Closed with explanation,Yes,Yes,CR1890352,1965
2016-04-21,Bank account or service,Checking account,"Account opening, closing, or management",,"I initiated a transfer from Eagle National Bankn on XXXX/XXXX/2016 that was received by PFCU on XX/XX/XXXX. On Tuesday, XXXX/XXXX/2016 I received an email from Eagle National Bank that Billpay or transfers are now inaccessible. The transfer that was made to XXXX XXXX XXXX XXXX ... 5 days prior to receiving the email about transfers being inaccessible. XXXX charged me a {$30.00} returned ACH fee due to EN taking the money back 5 days later. EN Branch said they ca n't do anything. 
",,Consent provided,Web,2016-04-21,Closed with explanation,Yes,No,CR1889288,1070
2016-04-21,Bank account or service,Checking account,Deposits and withdrawals,,"I issued a check to an air conditioning repair company for a job they did fixing an electrical circuit that shorted. The vendor then cashed the check which was fine, they then destroyed the check. However, somehow the check was found having been destroyed by being torn into shreds, it was then taped together and a new payee was rewritten on the top of the check over the vendors name and redeposited. The same exact check was thus deposited other than the obvious sign that its payee had been changed, the same check number, date, account number and routing number were used. It was apparent that electronic check deposit must of been used to cash the check both times since neither time the bank required it to be kept. I contacted the bank regarding the fraud and they stated since it was over 60 days that they were no longer liable and that I was, however, I read in the commercial code that the bank cited that the bank must first utilize reasonable care which it did not since it was a check that was obviously a fraud and was deposited twice, any individual could deposit a check multiple times and receive payment each time. Also according to consumer regulartions I read the following ; Unauthorized EFTs Not Involving an Access Device : Comment XXXX it clearly states that had they been notified within the 60 day period and been able to delay payment they would have I then notified the bank regarding this and that they must investigate it but they would not, they simply put me on hold for a long time transferred me around and then said someone would call me back and I never received any additional notice. 
I then read that the CFPB helps to enforce the rules and regulations devised to maintain the order of business so I hope that something can be done to ensure that the bank maintain its requirement to do a reasonable job to prevent fraud and that they must investigate and unless it could 've been prevented had they been notified within 60 days they are still liable and must reimburse my cost of this check. I have cited the section below ; The consumer liability rules are slightly different when an unauthorized EFT does not involve an access device. Most important, the XXXX tiers of liability do not apply ; that is, the institution may not hold a consumer liable for any portion of any unauthorized EFT not involving an access device that occurred on or before the 60th calendar day after the institution 's transmittal of the periodic statement showing the first unauthorized EFT.XXXX Instead, an institution may only hold the consumer liable for an unauthorized EFT not involving an access device if the transfer occurred more than 60 calendar days after transmittal of a periodic statement showing the first unauthorized EFT out of the consumer 's account and before the consumer gives notice to the financial institution, provided the institution establishes that the unauthorized EFT would not have occurred had the consumer notified the institution within the 60-day period. 
",,Consent provided,Web,2016-04-23,Closed with monetary relief,Yes,No,CR1891036,3330
2016-04-21,Bank account or service,Checking account,Using a debit or ATM card,,"My checking account was comprised. I misplaced my debit card and somehow someone got access to my account with my card and got my online account information. Deposited fraudulent checks into my account and started withdrawing from those deposits. I initially went online to check my balance and was locked out of my account. I called to find out why I was locked out. The representative I spoke with simply told me my account had been closed because of bad checks and fraud. No one offered or asked me any questions to determine the validity of the charges and simply released the call. I called back to open a claim against the charges. I received a letter dated XXXX/XXXX/16 stating the claim was opened. I received a second later dated XXXX/XXXX/16 stating it was resolved. I called to try and figure out how the claim was resolved 24 hours later without an investigation. I was told by the representative that because my pin was used and and the mobile deposits were made that someone close to me must 've taken my information and was holding me responsible. I REPEATEDLY tried to get the representative to listen to me and ask them to pull the tape for review. HE REFUSED. He stated he wasnt blaming me but it had to be somebody i knew. I repeatedly tried to inform the gentleman i had NO knowledge of anyone i know personally stealing information from me, and furthermore i had no part in any of the fraudulent activity and should not be held responsible. It was not until AFTER I threatened to file a complaint against Eagle National Bank that he offered to reopen the claim if I filed a police report. Not only was my account closed as a result. The bank has taken over {$800.00} from me and the account is now in the negative over {$1000.00} which they are trying to hold me responsible for. 
",,Consent provided,Web,2016-04-21,Closed with explanation,Yes,No,CR1889179,2882
2016-04-21,Bank account or service,Checking account,Deposits and withdrawals,,"My complaint has to do with Eagle National Bank 's policy for making funds available from third party checks that were deposited into personal deposit accounts. 

As I see it, and as I hope the CFPB sees it, B of A informed me too late that a {$1800.00} check someone -- who turned out to be a highly skilled scammer who preys on elderly persons such as me ( I 'm XXXX ) -- mailed me and that I had deposited and then quickly wired {$1300.00} of it back to the sender, turned out to be counterfeit. 

On XXXX XXXX, XXXX, I deposited into my checking account at my local B of A branch ( XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX ) a check in the amount of {$1800.00} that a third party had mailed me. I had a pre-existing balance of only {$280.00} in my checking account at the time. 

Due to my being able to only secure sporadic employment since XXXX XXXX because of a recurring XXXX, my checking account balance had hovered in the {$300.00} range for several months, with just a very few low dollar, XXXX deposits made into it since XXXX XXXX. 

So, given my checking account depositing history from XXXX XXXX to XXXX XXXX, XXXX, the decisioning algorithm that B of A 's uses in making funds available should have flagged my XXXX XXXX, XXXX deposit of {$1800.00} as unusual and it also should have placed a 48 or 72 hour hold on all or the vast majority of it. 

On XXXX XXXX, XXXX, I still did not know that the check was counterfeit, nor did I know at that time that I 'd also fallen for a sophisticated XXXX 'Help Wanted ' scam perpetrated against me via email, texts and the mail. 

The very next day, XXXX XXXX, XXXX, my B of A branch released the entire {$1800.00} into my checking account and made ALL of it available for me to withdraw. 

So, because B of A released the entire {$1800.00} to me so quickly, I assumed that the check had cleared -- that B of A had followed its own policies and procedures that required it to verify that the check was valid and that the person who wrote it had enough funds in his account to cover it. 

On XXXX XXXX, XXXX, following the instructions of the person who wrote and sent me the check ( the person who I eventually realized one day later, XXXX XXXX, XXXX, had scammed me via a XXXX 'Help Wanted ' ad ), I withdrew in cash {$1300.00} of the {$1800.00} check I had deposited into my checking account and sent that person ( the scammer ) a XXXX for {$1300.00}. 

Then on XXXX XXXX, XXXX, B of A notified me that on XXXX XXXX, XXXX, they had determined that the {$1800.00} check was counterfeit, and that my checking account was now overdrawn by {$980.00} Since XXXX XXXX, XXXX, I have tried several times to no avail to get B of A to reimburse me the {$1800.00} because the great speed at which they released the funds to me led me to believe that the check was not counterfeit -- that it was legitimate. 

B of A claims that in my case they followed their established policies and procedures for, in my case, very quickly / too quickly releasing funds deposited via a third party check. 

B of A gave me a brochure that discloses and explains this policy / procedure. As I see it, this very important disclosure / explanation is extremely inadequate in that it is buried on P. XXXX of the XXXX page brochure they gave me! 

Had I known on XXXX XXXX, XXXX, that B of A had not yet verified that the {$1800.00} check was valid, I would not have withdrawn in cash the {$1300.00}, and I would not be in the predicament that I now find myself mired in. 

So, I want B of A to reimburse me in the amount of {$1800.00}. 
",Older American,Consent provided,Web,2016-04-21,Closed with explanation,Yes,Yes,CR1890134,5788
2016-04-21,Bank account or service,Checking account,Problems caused by my funds being low,,"Some time in XXXX, I received XXXX fees totaling {$70.00} ( {$35.00} for initial overdraft, then 5 days later an additional {$35.00} ). Upon learning of these fees, I went into my local branch to get clarification on fees process. I requested to terminate overdraft protection on my account and I was told it was done. Sometime in XXXX I received additional {$70.00} for the same reasons mentioned above. on XXXX I contacted the bank for the second time and was informed that the changes I requested were n't made when I initially requested them. 
",,Consent provided,Web,2016-04-21,Closed with monetary relief,Yes,No,CR1890932,1684
2016-04-21,Bank account or service,Checking account,Deposits and withdrawals,,"XXXX payday loans were taken out in my name by someone and they were all done over the phone, and each payday loan said they verified my information, work, bank, etc. What they verified was wrong I was unemployed, homeless, and bank was {$0.00} balance with no automatic deposit. Now overdrawn and in the negative. XXXX for {$700.00} ; XXXX XXXX XXXX for {$400.00} ; and XXXX for {$400.00}. I 've written letters, made calls, filed reports, disputes, I 'm going in endless directions. 
",,Consent provided,Web,2016-04-21,Closed with explanation,Yes,Yes,CR1890769,3983
2016-04-21,Credit card,,Rewards,,"Eagle National Bank notified me they were closing down my credit and checking accounts due to a "" business decision. '' No other reason was given.They closed the accounts down with available reward points remaining. I currently have XXXX points ( equivalent of {$220.00} ) that is still currently listed as available. I was advised that the points are available but I can not redeem them because the account is closed. EN essentially stole my reward points, still lists them as "" available '' but not able to redeem because account is not open.",,Consent provided,Web,2016-04-21,Closed with explanation,Yes,No,CR1889071,1806
2016-04-21,Credit card,,Identity theft / Fraud / Embezzlement,,"I just got off the phone with a certain XXXX XXXX at Eagle National Bank XXXX XXXX XXXX XXXX which was the equivalent of this quote : "" ... XXXX says that the bank 's automated systems are set up to catch more complicated errors, such as when a clerical error at XXXX caused the bank to misreport a consumer 's information. 
However, consumer lawyers say that multiple court cases have demonstrated that many furnishers ' investigation systems are inadequate. "" All they 're doing is checking to see if what 's in their computer system is the same information that 's in the ACDVs, '' says XXXX XXXX. So, "" what happens is, unless the creditor itself made the correction to its computer system, the dispute process is hopeless, '' says XXXX. 
XXXX XXXX of the XXXX XXXX XXXX XXXX disagrees with that description. "" I do n't know how they know that unless they 've been inside the bank, '' says XXXX. "" It ca n't just be, 'This is what it 's in our files and that 's what matched, ' '' she says. "" They have to do something more than that. '' Read more : http : XXXX # XXXX Follow us : @ XXXX on XXXX XXXX XXXX on XXXX Compare credit cards here - XXXX ... XXXX This quote was taken from an article at XXXX I found while on hold by XXXX separate calls. The author was XXXX XXXX. The article was titled, "" Why the credit dispute process is broken : XXXX dispute system backfires on many customers. '' Back to my third circular conversation with XXXX XXXX in Virginia XXXX? ) : She was the supervisor to (? ) XXXX at Virginia. I called in response to a letter I received today, dated XXXX XXXX XXXX. Case XXXX, regarding an account closed XXXX XXXX XXXX, that had activity reported all of XXXX and then closed again in XXXX XXXX. The letter falsely stated the following : "" During our investigation we found the following : - This account is reporting correctly on your credit file. Creditors rely on credit rely on credit reports ... .As such, it 's imperitive that we accurately report the accounts of our customers. We 're unable to remove the accounts from your credit file. '' They are helpless victims? Not according to XXXX who told me that only Eagle National Bank can furnish to the credit reporting agencies activity for XXXX. XXXX XXXX is ignorant of the FCRA. Only their investigation can identify WHAT was in fact reported to the XXXX credit reporting agencies listed at the bottom of the letter. They took the same passive tone as XXXX did in investigating this, by looking not at their own files but instead by looking at the current reports in which half of the XXXX have since removed it. Therefore, the first sentence is false. All XXXX would have to be identically reporting for that to be true. "" Unable ''???? I have a hardcopy of the first XXXX reports with this on it ; XXXX is most specific. The fourth XXXX : "" XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX, XXXX www.innovis.com '' will be contacted next. The law has been broken by both the credit reporting agencies and by Eagle National Bank by this letter and those hardcopies of my first XXXX reports before disputes. I will be mailing a copy of this letter to the XXXX of XXXX in Texas and emphasing that this passive tone by XXXX Texas institutions is unacceptable. It will be an addendum to the letter already mailed after talking the the Fraud department on XXXX XXXX XXXX. This letter was mailed from "" Eagle National Bank www.bankofamerica.com '' letterhead and the envelope says the return address is "" XXXX XXXX. XXXX XXXX, XXXX, DE XXXX '' and is the first response since XXXX XXXX the bank has provided yet ; albeit a lie. I understand that B of A needs more time as given in their partial response to XXXX of the many complaints I filed with CFPB. This letter proves the article. 
",,Consent provided,Web,2016-04-21,Closed with non-monetary relief,Yes,Yes,CR1890669,5761
2016-04-21,Credit card,,Other,,,,Consent not provided,Web,2016-04-21,Closed with monetary relief,Yes,No,CR1891015,2460
2016-04-21,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-04-22,Closed with explanation,Yes,No,CR1889873,3970
2016-04-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I was attempting to pay off student loans held with XXXX on XXXX XXXX, while I had a payment auto-scheduled to draft for {$200.00} on the XXXX. I was instructed by the XXXX associate to have my bank, Eagle National Bank, place a stop payment on the auto-draft amount thereby allowing the full payoff of {$9600.00} to go through. The BofA representative on the phone never read any disclosures, and clearly understood that this was supposed to be for a specific amount as I explained the entire arrangement. Consequently, both payments were rejected resulting in accrued interest and possible late fees from the lender. Subsequent attempts to resolve with Eagle National Bank have been fruitless, as they claim I was read ( and that I accepted ) a waiver describing a full stop payment to a third party.",,Consent provided,Web,2016-04-20,Closed with explanation,Yes,No,CR1888881,1425
2016-04-20,Bank account or service,Checking account,Deposits and withdrawals,,"My husband deposited {$1800.00} through a Eagle National Bank ATM on XXXX/XXXX/16. The deposit was done in cash. The ATM malfunctioned and only credited {$300.00} to our account. I have filed a claim and have gotten no where. The bank refuses to credit the missing {$1500.00} because, "" the account is too new and you have n't had a large cash deposit before. '' They are refusing to escalate the issue. I have been told that the machine did not malfunction and it was insinuated that we were not being truthful.",,Consent provided,Web,2016-04-20,Closed with monetary relief,Yes,No,CR1888705,397
2016-04-20,Bank account or service,Savings account,Deposits and withdrawals,,"PER THE SAVINGS ACCOUNT XXXX WITHDRAWALS FUNDS LIMIT OF XXXX WITHDRAWALS FROM SAVINGS ACCOUNT PER THAT PERIOD OF ENDING BANK ACCOUNT STATEMENT. 
PER FROM XXXX XXXX, 2016 thru XXXX XXXX, 2016. I DID HAVE XXXX WITHDRAWALS FROM MY SAVINGS ACCOUNT. BUT THE BANK FEE FOR THIS SHOULD BE ONLY {$3.00} AS A {$3.00} FEE CAN BE CHARGED FOR THE NUMBER OF SAVINGS ACCOUNT WITHDRAWALS OVER THE BANK LIMITED OF XXXX PER BANKING STATEMENT PERIOD. 
ADDITIONALLY, THE BANK SENT AN EMAIL THAT THEY WILL CHARGE A FEE OF {$10.00} PER OVER THE XXXX LIMIT OF SAVINGS ACCOUNT WITHDRAWALS, ( IMPROPER BANKING FEES PRACTICES ) THANK YOU. 
",,Consent provided,Web,2016-04-21,Closed with explanation,Yes,No,CR1889335,8356
2016-04-20,Bank account or service,Checking account,"Account opening, closing, or management",,"XXXX 2012 closed a Eagle National Bank checking account at XXXX branch. 
Asked that {$500.00} left in account to cover any debts that might still be outstanding. 
Bank associate assured me twice that {$500.00} was left in account. 
Moved to Illinois. Approx two weeks later ( when I had internet connection ) tried to log into account but it was closed and locked. 
Called to check balance and was told "" the account 's closed. I cant talk to you. '' Demanded to speak with someone of higher authority and was put on hold two different times and disconnected. 
Tried to call XXXX manager who wouldnt speak to me. 
Wrote letter to manager who sent a form letter to call customer service. 
Finally reached manager who told me it had been referred to collections - they did not leave {$500.00} in the account and it was overdrawn {$250.00}. 
When I said that they wouldnt talk to me, he said it was referred to a collection agency who had called me. 
No collection agency has ever called me. 
I fortunately opened another account with XXXX XXXX before XXXX listed me as a deadbeat. But if I move ( I live in XXXX now ), I can not open an account with any bank. 
I filed a complaint 3 years ago with a federal government agency and Eagle National Bank 's "" Executive Complaint? '' called me several times to "" resolve. '' On each call, they forwarded me over 6 times. Each time I had to explain the situation and they still wanted to forward me because they "" couldnt help me. '' I have contacted XXXX who has told me to contact the bank to resolve. 
Why must I pay the price when banks make an error? 
",Older American,Consent provided,Web,2016-04-20,Closed with explanation,Yes,No,CR1888438,4580
2016-04-20,Credit card,,Identity theft / Fraud / Embezzlement,,"Eagle National Bank changed my mailing address on the account based on receipt of forwarding information from the Post Office. I did not submit a change of address to the post office and I did ntot relocate my Bankcard statement was mailed to another persons address. this is a violation of my financial privacy and XXXX. Eagle National Bank should not be acting upon forwarding information to change addresses as it can compromise accounts, create identity theft and violates federal laws",,Consent provided,Web,2016-04-20,Closed with explanation,Yes,No,CR1887874,4710
2016-04-20,Credit card,,Payoff process,,"I have a credit card with Eagle National Bank. I have had this card for quite some time and there are multiple balances with difference interest rates on this card. I thought if I made a monthly payment that is higher than my minimum payment due then that extra amount would be applied to the balance with highest interest rate first. But they are not doing this and I asked about it and was told that this is not how they distribute the extra amount that is paid over the minimum due. But I thought this was a regulation in the CARD Act. Am I misinterpreting the law? 
",,Consent provided,Web,2016-04-20,Closed with explanation,Yes,No,CR1888956,3858
2016-04-20,Credit card,,Advertising and marketing,,"I received a letter addressed to me in the mail that states I was pre-selected for a low interest credit card from Eagle National Bank, specifically a Master Card. The letter also says it is a "" special offer for me. '' Because the interest rate was low I wanted to transfer a higher interest balance to this card. When I applied I was rejected for the balance transfer.",,Consent provided,Web,2016-04-20,Closed with non-monetary relief,Yes,No,CR1889111,3083
2016-04-20,Credit card,,Other fee,,"I attempted to pay my bill for my Target Red card online. After 5 days after processing my payment i receive a letter stating that my payment was rejected. I logged onto my Target account and noticed a {$25.00} returned payment fee so I contacted Target customer service. After confirming that my banking information was correct they informed me that they could not refund the fee. 
",,Consent provided,Web,2016-04-20,Closed with explanation,Yes,No,CR1887272,1339
2016-04-20,Credit card,,Billing disputes,,"I signed up for a Nordstrom card because the store would not give me the sale price unless i had the card. I never received the card but got a phone call in XXXX 2016 to make the payment. I agreed to pay, and provided my XXXX checking account information. I understood that Nordstrom will take the money from the account. But i receive a collection call in XXXX stating that i owed a balance of $ XXXX+ becuase of penalties for non-payment. The agent told me that they had only taken {$38.00} payment for XXXX account instead of the the full balance that they previously offered to take over 3 months XXXX each. I offered to pay the balance, but they would not waive any penalties. 

So now have XXXX % penalties on a small purchase of less than XXXX. I dont understand why Nordsrom can charge the penalties when they have my bank account to withdraw the payment each month. I guess they make more profit by threatening me to report to credit agencies .... which has not ruined by credit too. 
",,Consent provided,Web,2016-04-20,Closed with monetary relief,Yes,No,CR1889185,2594
2016-04-20,Bank account or service,Other bank product/service,Using a debit or ATM card,,,Older American,Other,Web,2016-04-20,Closed with explanation,Yes,Yes,CR1887496,3729
2016-04-20,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-04-20,Closed with explanation,Yes,Yes,CR1888569,4657
2016-04-19,Bank account or service,Other bank product/service,Using a debit or ATM card,,"Eagle National Bank is allowing fraud since a merchant received items back and has kept my money. 
",,Consent provided,Web,2016-04-19,Closed with explanation,Yes,No,CR1886111,4055
2016-04-19,Bank account or service,Checking account,"Account opening, closing, or management",,"I received an email offer from Eagle National Bank on XXXX XXXX, 2015 offering a {$300.00} bonus for signing up for a checking account and having $ XXXX of payroll direct deposit within 3 months. I met those requirements and never received the bonus. It has now been over 6 months and still no bonus. I have called Eagle National Bank customer service at least 10 times. I 've talked to multiple supervisors who have to check with their promo dept to look into the matter and to the best of my knowledge they are having trouble finding me in their database of customers who received this offer. This has been going on for 6-8 weeks. No one seems to really want to address my issue. I 've offered to forward the email and provide any other info to prove to them that I received the offer email from them but instead they give me another date and put me off for 2 more weeks while they escalate my issue. I have done everything I can think of to solve this on my own but have run out of options. At one point someone at BofA suggested I go to a local branch and have them fax a copy of the printed email I received which I was willing to do except for there are no branches within XXXX miles of where I live. 
This is fraud. They 've offered me something, I meet all the requirements, and then BofA requires me to spend 25+ hours of my time on the phone with them fighting for the bonus. 
",,Consent provided,Web,2016-04-19,Closed with monetary relief,Yes,No,CR1886185,3357
2016-04-19,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I tried to use my debit card today over the phone at XXXX XXXX. It did not work causing a waste of time. So then I tried to buy the same thing on line using the same card it did not causing a waste of time. I looked up the balance in the account and there was sufficient money in the account I called BofA and after a number of waits ( another 15 minutes ) they told me that the card was compromised and they were sending me a new one I said, why did you not send me an email saying that the card was now invalid so I would not waste so much time. They said that an email was sent telling me I was getting a new card. Well I get new cards all the time, so I figured, fine. What they did not tell me was that the card was now INVALID. So I explained carefully to the BofA representative on the phone : 1 ) if you tell your daughter you are giving her a new car, she says thanks dad. But if you do n't tell her that the reason is that there are now no working brakes in her old car, she can go out and have an accident. 

2 ) They must tell me the card is invalid in the email. NOT just that I am getting a new card Thanks for your help. Clarity in communications is important. Email should have started in BOLD : YOUR CARD IS NOW INVALID ( to make sure I read that part!!!! ) 
",Older American,Consent provided,Web,2016-04-19,Closed with explanation,Yes,No,CR1887300,881
2016-04-19,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I was Executor of my brother 's Estate. 1 week prior to my meeting with B of A to set up his Trust Account, I notified the bank of possible forgeries on his checking account and requested ALL bank records including fronts of checks, be provided to me at our meeting. 
At our meeting, I was denied access to ALL bank records as stated in front of my attorney. 
by B of A representative. I immediately notified this employee he was violating Fed and VA State law which entitles me to ask and receive all information, in the same extent and manner my brother would be entitled to, during his life time. Again I was told "" that 's not going to happen ''. 
The only person who had access to my brother 's check book was his live in XXXX who had the legal right to occupy my brother 's house for 30 days. I filed a police report at which time I was told she was a person of interest involving XXXX felonies. 
I called the bank again and explained the situation and needed to file charges to deter her from stealing his valuables from the house and the police needed proof of the forged checks. I was denied again to any records. The police said their hands were tied without proof of the forged checks. I went to other branches who promised to get me what I needed but they never did. I tried everything possible to get records that legally belonged in my possession. 
B of A withheld the evidence needed to prosecute the offender who, did indeed steal all my brother 's jewelry, his extremely valuable coin collection, just everything, ignoring my attorneys instructions her to only leave the house with those items she moved in with. 
She also erased his hard drive and destroyed all financial records. 
So, I am left with XXXX bank statement, but determined to know how much she stole from his accounts to justify B of A to such extremes to block my access, never giving up, I finally received a call telling me I could select, from the statements they sent, A FEW, checks I would like to see the check fronts. Now, after XXXX years later, just in the last 3 months of his life there were XXXX - {$500.00} ATM withdrawals and at least another XXXX in forged checks. In order to have absolute proof my brother could not have written these checks, I had to compare his medical records to withdrawel dates and check forgery dates. I simply had to stop with just looking at 3 months and not the full 6 months. This was a task no one should be faced with, very depressing. 
All of this would have been prevented if BA had not felt and acted as if no one would hold them accountable. They need to know they will be held accountable for deliberately breaking the law and for the ramifications others endure because of their arrogance. 
So, we shall see if there truly is an agency for the little people or just a pretense of XXXX!!",,Consent provided,Web,2016-04-19,Closed with explanation,Yes,No,CR1886537,2970
2016-04-19,Credit card,,Payoff process,,"I had a credit card account with Eagle National Bank until XXXX 2015 when i called to close out my account. I specifically asked for a payoff quote on the phone and repeated out loud that I wanted the payoff amount that would zero out my account and that I did not want any more bills. I was in the process of moving out of the country for a few months and I wanted to make sure that I didnt have any outstanding debt. The representative gave me an amount. I paid that amount, and Eagle National Bank is still charging me for a remaining balance. I find the bank 's handling of my account to be deceptive as they led me to believe that the payment that I made would fully pay off my credit card. I do not believe I should have to pay. Further, if any negative information has been reported as part of this to be removed from my credit reports. 
",,Consent provided,Web,2016-04-19,Closed with monetary relief,Yes,No,CR1887650,1245
2016-04-19,Credit card,,Identity theft / Fraud / Embezzlement,,"in XXXX 2016, target sent me a letter stating about sending in a document for the removal of the inquiry. Once i sent the document, the credit bureau equifax, states to me that it is up to Target to handle this process and that I am not suppose to do anything. The credit bureau also stated to me that Target had never sent anything in stating for the removal of the inquiry and that Target is not addressing the issue instead giving me the runaround. The credit bureau also stated to me that all Target is supposed to email XXXX asking for the removal of the inquiry.. s of today the inquiry still exist on my credit report. 
",,Consent provided,Web,2016-04-19,Closed with non-monetary relief,Yes,Yes,CR1885008,4555
2016-04-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-04-19,Closed with monetary relief,Yes,No,CR1886586,3949
2016-04-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-04-21,Closed with non-monetary relief,Yes,No,CR1886950,4802
2016-04-18,Bank account or service,Checking account,"Account opening, closing, or management",,I previously have had an account with Eagle National Bank and XXXX XXXX they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. Eagle National Bank closed my account and refunded my money that was still in the account and XXXX was a charge off due to a negative balance. I have tried to contact Eagle National Bank repeatedly for assistance with this matter and have had no luck in doing so.,,Consent provided,Web,2016-04-18,Closed with explanation,Yes,No,CR1885377,1654
2016-04-18,Bank account or service,Checking account,"Account opening, closing, or management",,I previously have had an account with Eagle National Bank they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. Eagle National Bank closed my account and refunded my money that was still in the account. I have tried to contact Eagle National Bank repeatedly for assistance with this matter and have had no luck in doing so.,,Consent provided,Web,2016-04-18,Closed with explanation,Yes,No,CR1885227,279
2016-04-18,Bank account or service,Checking account,Problems caused by my funds being low,,"My story is pretty simple. I work for the state. the program is called In-home-supportive services. I have been with them for 8 years. The month of XXXX was the longest time I ever waited for my direct deposit. It was three weeks late. Causing my reoccurring bills to over-draft my account by exactly {$170.00}. 
I had reached out several times to the customer services Center and with no feedback as to why I could not be refunded the XXXX over draft fee 's totalling XXXX. I called my XXXX XXXX attorney and they advised me to write to this Web site. 
",,Consent provided,Web,2016-04-18,Closed with monetary relief,Yes,No,CR1883698,2843
2016-04-18,Credit card,,Credit card protection / Debt protection,,"I purchased XXXX custom made wedding gowns from an online retailer, this retailer not only did not make the gowns to the date promised they made them in the wrong size ( making it impossible for me to wear to my wedding but also lied to my bank so that I would lose my claim. I provided over XXXX pages of proof to my bank was still denied. I bought the XXXX gowns months apart but never saw them because they were being custom made. I paid with XXXX different cards and XXXX of them already sided with me because it is so obvious that the company is fraud. Eagle National Bank however sided with me first then changed their mine. 
",,Consent provided,Web,2016-04-18,Closed with explanation,Yes,No,CR1884893,3062
2016-04-18,Credit card,,Late fee,,"Set up for automatic payments in XXXX. Two payments were taken out. In XXXX no payments were taken and a late fee assessed. Contacted BofA and was told that it was not set up for automatic payments, so I did it again, but they refused to remove the late fee. 
",,Consent provided,Web,2016-04-18,Closed with monetary relief,Yes,No,CR1885109,1891
2016-04-18,Bank account or service,Checking account,Problems caused by my funds being low,,"I am contacting you for my son who is XXXX. His girlfriend did his taxes and placed her checking account number for deposit. In the meantime she overdrew her checking account and did not pay the fees. She tried to close the account but the bank would not let her until the fees were paid. Meanwhile they charged the account daily. My son 's name is not on this bank account. The bank took all of my son 's tax return in the amount of {$1000.00}. and will most likely take his state tax return as more money is owed on the account. The bank in Eagle National Banknorth in XXXX, XXXX. My son 's name is XXXX XXXX XXXX/XXXX/XXXX, SS. # XXXX. The other account belongs to XXXX XXXX DOB XXXX/XXXX/XXXX. XXXX and XXXX are not married. I am concerned as I do not feel that XXXX should have to pay XXXX 's bank fees with his tax money.The bank told him to contact the IRS and the IRS did not seem to be able to help. My name is XXXX XXXX DOB XXXX/XXXX/XXXX. SS XXXX. I can be reached at XXXX. 
",,Consent provided,Web,2016-04-18,Closed with explanation,Yes,No,CR1884871,4789
2016-04-18,Bank account or service,Checking account,Deposits and withdrawals,,"I had an account at this bank and my friend deposited money into my account to help me out because I am on XXXX, he deposited {$5000.00} into my account for me give it to someone else for him, but when I went to withdraw the money I was asked where did you get {$5000.00} from, but I did not respond to her because it was not her business and I should not have been asked the question, the money that was left in the account was from my XXXX benefits and the money my friend gave me which was {$700.00} and since they put a hold on my account my bills for this month was not paid and when I asked for my money I was told it was not mine and she actually called me a thief, she said I stole the money from someone and it was not mine the money belongs to the person I took it from but she could not tell me who I took the money from, so now I am asking for your help in how to get my money from them. 
",,Consent provided,Web,2016-04-18,Closed with explanation,Yes,Yes,CR1884640,1349
2016-04-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I made a wireless transaction through my checking account ( Eagle National Bank ) on XXXX XXXX 2016. The money was not transferred to the recipient, it is 2 months since. There was an error in the account number but the bank name, branch, address and name were correct. Eagle National Bank has not been able to return the money back to my ( sender account ) or provide a resolution in a timely fashion. Eagle National Bank did not pursue this matter, and the only time they get in touch with me ( customer & initiator of wireless transaction ) is when I call or see them at the bank. 
",,Consent provided,Web,2016-04-18,Closed with explanation,Yes,Yes,CR1884880,2066
2016-04-18,Credit card,,Rewards,,"On XXXX/XXXX/16 I discovered unauthorized charges from XXXX/XXXX/16 totaling almost {$8000.00} & the loss of XXXX in reward points. I immediately called EN to alert them of the problem. I was told to give them XXXX hours to correct my account and that it was a widespread problem affecting numerous customers. I contacted the company 3 more times & was told different stories by different representatives. 

I sent a certified letter on XXXX/XXXX/16 requesting the money to be credited back to me and also to restore my reward points. The charges were credited back but the reward points were not. 

On XXXX/XXXX/16 I called to request a resolution to restoring my points and I was assured by them they would get back to me within a few days. No one has returned my call and EN has not restored my points, so I respectfully request the CFPB 's help in resolving this matter. 
",,Consent provided,Web,2016-04-18,Closed with monetary relief,Yes,Yes,CR1883498,3714
2016-04-18,Credit card,,Other,,,,Consent not provided,Web,2016-04-18,Closed with monetary relief,Yes,No,CR1884840,4810
2016-04-18,Credit card,,Balance transfer,,,,Consent not provided,Web,2016-04-18,Closed with explanation,Yes,No,CR1885052,32
2016-04-18,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-04-20,Closed with explanation,Yes,Yes,CR1883708,4715
2016-04-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-04-18,Closed with explanation,Yes,No,CR1883784,926
2016-04-17,Bank account or service,Checking account,Problems caused by my funds being low,,"I XXXX XXXX IS VERY, VERY DISPLEASE WITH Eagle National Bank WHO IS ILLEGALLY WITHHOLDING UP MY ACCOUNT AT XXXX ENDING # XXXX DUE TO THE FACT XXXX XXXX STATED THAT HIS MONEY I TOOK BUT IS DUE TO MY SELF WHICH HE MADE FRAUDLENT TRANSACTION FROM MY ACCOUNT TO HIS ACCOUNT, I WANT THIS BANK TO RELEASED MY {$400.00} RELEASED BACK TO MY ACCOUNT, Eagle National Bank WENT INTO MY ACCOUINT FRAUDLENT AND IS WITHHOLDING, HOLDING UP MY ACCOUNT, Eagle National Bank XXXX XXXX XXXX, NJ XXXX XXXX. 
",Servicemember,Consent provided,Web,2016-04-17,Closed with explanation,Yes,Yes,CR1883557,3175
2016-04-17,Bank account or service,Checking account,Problems caused by my funds being low,,"MISSING A {$130.00} OR MORE FROM MY BANK ACCOUNTS BEGINNING ON XXXX XXXX, 2016 XXXX XXXX XXXX PAYMENT REQUEST CAME IN FOR XXXX THE BANK TRANSFERRED {$40.00} FROM MY LINKED OVERDRAFT PROTECTION SAVINGS ACCOUNT AND ANOTHER {$20.00} FROM MY REGULAR ASSIGNED SAVINGS ACCOUNT BUT INSTEAD OF PAYING THE MERCHANT REQUEST AND CHARGING THE BANK {$5.00} TRANSFER FEE. 
THE BANK RETURNED THE MERCHANT ITEM AND CHARGED AN INSUFFICIENT FUNDS FEE OF {$35.00} WITH THE TRANSFERRED XXXX ( IMPROPER ACTIVITIES ) ADDITIONALLY ONCE XXXX MERCHANT REQUEST RETRY CAME IN ON XXXX XXXX, 2016 OF XXXX THE BANK USED FUNDS FROM MY CHECKING ACCOUNT TO PAY MERCHANT. 

SECOND PART : XX/XX/XXXX ; CONCERNING THE BANK BILL PAY DEPARTMENT. 
FEED THE CHILDREN {$37.00} and RELATIVE CHECK {$100.00} TOTAL DUE. {$130.00}. 
I ALREADY MADE ARRANGEMENTS WITH THE BANK BILL PAY DEPARTMENT. 
BECAUSE MY EMPLOYER HAD ERRONEOUSLY MISSED UP MY BI WEEKLY DIRECT DEPOSIT CHECK I WAS GOING TO MY EMPLOYER HEADQUARTERS TO GET A PAPER CHECK FOR MANUAL DEPOSIT INTO MY BANK ACCOUNT TO COVER THE NEGATIVE - {$130.00} BALANCE. BUT THE BANK IMPROPER CHARGED ME XXXX SEPARATE INSUFFICIENT FUNDS FEE OF {$35.00} FOR EACH BILL PAY ITEM. AS THIS IS NOT RELATED TO A RETURN MERCHANTS ITEMS FOR AN INSUFFICIENT FUNDS FEE CHARGES. 
ADDITIONALLY, THAT IS AN ILLEGAL BUSINESS BANKING PRACTICE. 
TO CHARGE A BANK FEE PER EACH ITEM OF {$35.00},, IF THE INSUFFICIENT FUNDS FEE WAS APPLICABLE, THE FEE OF ONLY {$35.00} WOULD HAVE COVERED BOTH ITEMS FOR THAT DAY TRANSACTIONS, IN CONCLUSION : I HAVE SAVED TEXT MESSAGES IN MY CELLPHONE TO THE BANK CUSTOMER SUPPORT UNIT CONCERNING THESE ISSUES MATTER IN THIS COMPLAINT THANK YOU. 
",,Consent provided,Web,2016-04-18,Closed with explanation,Yes,No,CR1883559,12662
2016-04-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,"XXXX XXXX OWES ME {$500.00} DOLLARS, SO MADE A STATEMENT I TOOK HIS MONEY TO Eagle National Bank SOTHEY ARE HOLDING UP MY ACCOUNT OF {$400.00} DOLLARS AT MY BANK AT XXXX BANK ACCOUNT # ENDING IN XXXX I WANT MY MONEY RELEASED BACK INTO MY ACCOUNT, BECAUSE I HAVE PROOF THAT XXXX XXXX MADE FRAUDLENT TRANACTION FROM ACCOUNT TO HIS ACCOUNT, SO THE MONEY HE CLAIMS I XXXX XXXX BELONGS TO ME BECAUSE HE STOLE MONEY FROM MY ACCOUNT I'AM ASKING THAT MY {$400.00} DOLLARS BE RELEASE IMMEDIMATE PLEASE, XXXX XXXX IS A SCAM ARTIST, A RIPP OFF, AND THIS Eagle National Bank BELIEVE HIM Eagle National Bank IS A RIPP OFF TOO, I XXXX XXXX WANT MY MONEY PUT BACK INTO MY ACCOUNT WHICH THEY ARE HOLDING, Eagle National Bank IS A RIPP OFF, DISHONEST BANK, NOT GETTING THE ACTUAL FACTS, FRAUDLENT TOOK MY MONEY OUT OF MY ACCOUNT ... Eagle National Bank, RIPP OFF SCAM MY MONEY OUT OF MY ACCOUNT, RELEASE MY MONEY. 
",Servicemember,Consent provided,Web,2016-04-17,Closed with explanation,Yes,No,CR1883543,156
2016-04-17,Credit card,,Other fee,,"I got credit card on XXXX XXXX XXXX and been told by their rep that I can use this card anywhere in a world for purchases without any fee. How surprised I was when I so on my statement Foreign Transaction fee for purchase I made from my home in NJ in US dollars. When I called to credit card services and tried to resolve this situation and remove this fee, cause I was mislead by XXXX rep, I was told I have to speak with them. Which I did. I even asked to speak with supervisor. But it did n't solve the issue. Credit card point on XXXX and I feel like this hidden fee is reap off. 
",,Consent provided,Web,2016-04-18,Closed with monetary relief,Yes,No,CR1883620,1041
2016-04-17,Credit card,,Other fee,,"We had a cash reward credit card with Eagle National Bank as well as Checking Account. Since XX/XX/XXXX, we start to experience issue with the credit card, we kept seeing interest charged to the account even we paid off the full balance every month. We contacted the customer service and the interest were waived, but then the following month it continues to charge with interest. Called the custom service again, this time the explanation was the interest is continues to charge every day even your balance is paid in full every month regardless if you have a balance. This is NOT disclosed in the term and condition, as off now we have had been charged closed to more then {$500.00} in interests even the account has been paid in full. Another issue with EN is that we originally set up an automatic payment that linked our checking account to this credit card account through their online system, but the account was never set up even we got an successful completion at the end of the process then we called their customer service, the representative claimed that they were having issue with the IVR system that could be the reason that it did n't successfully set up. She went ahead and set up the linkage but as off today it was never set up correctly. 
",,Consent provided,Web,2016-04-17,Closed with explanation,Yes,Yes,CR1883434,3872
2016-04-17,Credit card,,Other fee,,,,Consent not provided,Web,2016-04-17,Closed with monetary relief,Yes,No,CR1883564,323
2016-04-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-04-17,Closed with explanation,Yes,No,CR1883605,4269
2016-04-16,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX XXXX 2016 I opened a checking account with Eagle National Bank through their website. 
After the application process was complete, I received an email stating the account was approved. I changed my direct deposit information with my employer, to be deposited into this new account. 
The next day, I logged into the account, to check out the featuers and layout of the online banking portal and it denied me access to the account. I called customer support and they said the account is in a "" risk closure '' status and they forwarded me to the closure department. I spoke with a gentleman in that department and he said there are no notes on the account and that there is nothing wrong with it and it is not in a closure state or being closed. He said there must be a problem with my online ID/login. He forwarded me to another department to check on that. The department handling the online access said there is no issue with my account and thought it strange, so they created a new ID for me. I logged on successfully. This same thing happened on XX/XX/XXXX. I logged in to check out some of the online features and my ID did not work. I called again and they stated that my account was in "" risk closure, for fraud ''. I called the number they provided and I was told my account was being closed and they would not give me a reason. I tried to find out what was happening to it for 20 minutes but no matter how I asked the question, they would not provide any information about the account aside from that it was under investigation and was being closed. I informed him that I had a direct deposit scheduled to be deposited on XX/XX/XXXX, and that I was concerned whether I would be able to receive the money their or if I should re-route my direct deposit so that it does not get deposited with them. He stated I would receive my money with no trouble at all. That I could go into any local branch and withdraw the money that was being direct deposited. The next day ( XX/XX/XXXX ) I attempted to log into the account again to make sure the correct address was on file, and the ID was blocked again. I recreated this one on my own, by using the account number. It allowed me access but showed a withdrawal for {$880000.00}. I did not authorize this withdrawal on the account so I called customer support, they told me I would need to talk to "" risk closure '' so they transferred me back to that department again. I was told that Eagle National Bank placed this charge on my account to freeze my account. I asked them why and they said because it was being closed. I told them what the previous support rep. had told me, that I would be able to receive money there. This new rep said that is correct, that I would just need to call them Friday ( XX/XX/XXXX ) in the morning to pick up money at local branch. The next day, I called the risk closure department and they told me the direct deposit was there, but that they would not release it. They said my account has a hold on it. I told them I needed that money to feed my family and for gas to get to work each day. They said account is under review and nothing they can do about it, but submit a request to release the hold. XXXX the supervisor submitted the request and asked me to call back later that day to check status. I called at around XXXX and was told the hold had been released and to pick up my money at local branch Saturday morning XX/XX/XXXX. Today is XX/XX/XXXX, I went in person and they said the account is locked and I would receive my money in 7 to 14 business days in the mail. I explained everything and they were not able to override that status to give me my money. I now have no way to feed my family or pay my bills, I live paycheck to paycheck and BofA is illegally withholding my money and without any reason given. I have no way to feed my XXXX year old daughter until they give me my money. {$1400.00} is owed to me. 
",,Consent provided,Web,2016-04-16,Closed with explanation,Yes,Yes,CR1883106,4415
2016-04-16,Credit card,,Identity theft / Fraud / Embezzlement,,"I have been denied for fraudulent charges on my Eagle National Bank credit card. 
My wife and I share an account and have XXXX credit cards. During the month of XXXX, while we were both in XXXX, our home state, someone purchase XXXX things in XXXX. The charges are for {$2400.00} and {$240.00}. 
When I contacted Eagle National Bank initially they refunded me and then in XXXX the charges were reversed and validated on my account. Upon speaking to them, I offered proof that my wife and I were in fact in XXXX and working during the whole month of XXXX. 
The only response I received was that it was possible for companies to charge for purchased goods weeks later. 
",,Consent provided,Web,2016-04-16,Closed with explanation,Yes,Yes,CR1883096,4293
2016-04-16,Bank account or service,Checking account,Deposits and withdrawals,,"I have been scammed by company called XXXX Home base business. With a counterfeit check in the amount of {$2900.00} and my bank has authorized the transition of that check less than 5 business day rule. I have been with Eagle National Bank for a while and I never overdraft my account and Now my account is overdraft and the bank wants me to payback the money because fake check was written under my name and was deposit in my account. I called my bank more than once and I went to the bank in person. They telling me that they have no way of knowing the check is bad. Until transaction take place. My question is if the banks that have seen all kind of bad checks and counterfeit money and they do n't have best methods of protecting consumers from frauds. Now I have to pay back the money that I did not use on my own. as a consumer I 'm requesting that FDIC need to have regulation to in force with the banking system on how to prevent Fraud and protect consumer of this country by purchasing the equipment that will detect counterfeit checks or money as soon it deposit not making money available unless the checks is real. I believe the bank should be able to have a machine that process checks and counterfeit money as it is deposit. That is the only way we can stop fraud activity and prevent me. I have been with Eagle National Bank for a long time never my account balance is law and ca n't cover my charges Eagle National Bank never authorized my transaction. How can EN-bank authorized this amount of money less than 24 hours and it a fake checks? Now my account is frozen and Eagle National Bank is telling me I over draft my account. I have no money to pay Eagle National Bank for this. I did not take money it is a Fraud activity that Bank is responsible taking it responsibility and preventing me as a consumer. 
",,Consent provided,Web,2016-04-16,Closed with explanation,Yes,No,CR1883175,3909
2016-04-16,Bank account or service,Checking account,Problems caused by my funds being low,,"I previously reported issue with CFPB. The same unethical practice has happened again despite receiving a letter indicating they were changing their policy in XX/XX/XXXX. I suppose it has n't happened yet and they are still processing transactions high to low instead of order they are received. But what really concerns me is that today on my statement there is a line item that says {$35.00} "" debit card authorization ''. I have not used my card so when I called to inquire they said it was an overdraft fee. Talk about deception. I was concerned someone used my card but instead it 's the bank disguising fees! 
",,Consent provided,Web,2016-04-18,Closed with explanation,Yes,No,CR1881229,429
2016-04-16,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-04-16,Closed with explanation,Yes,Yes,CR1883112,2823
2016-04-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-04-18,Closed with explanation,Yes,Yes,CR1883055,2242
2016-04-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-04-16,Closed with explanation,Yes,No,CR1881609,3750
2016-04-15,Bank account or service,Checking account,Problems caused by my funds being low,,"EN should be investigated for their overdraft fees and collections practices. How is it legal to charge fees on items that were deducted from your balance prior to an actual overdraft? I had charges come out and deduct from my funds prior to a charge which resulted in an overdraft. fees were added to transactions prior to the overdrafted item. fees are added from an extended overdraft but how can you expect me to pay over {$400.00} when my overdraft was roughly XXXX? when speaking with customer service, the rep provided every answer possible without incriminating EN. I used to actually work at EN for 5 years and never had issues such as I do now that I am no longer employed with them. the fees charged is absolutely ridiculous. I get charged fees for transferring funds from my own accounts! did n't EN get sued for this before? How are they able to continue doing so? their business practices are the reason people HATE you.. the reason people try and get away from you! the reason I am ashamed to say I used to work for you! the last time I had this issue, just a few months ago I might add, I submitted an executive complaint, was assigned a rep to resolve, who frankly told me on the phone that not one fee should have been incurred. this was after I was told via a general customer service manager that if I wanted to avoid fees to stop over drafting my account. I am sure she is still employed by the way. I have had multiple fee refunds in 2015 because of Eagle National Bank errors. but mystically they are not coded as an error so when the next rep goes in to next time it happens, it shows waived as a courtesy.. WHAT?? what courtesy do you provide me? the courtesy of having the pleasure speaking with your rude customer service reps who you can tell hate their job? the only time I am treated with even an ounce of respect is when going through the chat option which is probably because it is in writing and not verbal. I would like a scrub of my account.. I want the fees to be returned. there were XXXX transactions that happened that actually overdrafted my account, in turn means XXXX {$35.00} fees, yet I have XXXX! I have fees on my savings from transferring to savings or simply having a savings.. I am done.. if this is not resolved permanently, I will most definitely be the next to sue. you take money from me with my direct deposit that should n't be yours! to have XXXX fees refunded is a slap in the face. I 'm am so tired of having to do this with EN every few months. please investigate Eagle National Bank. this needs to be stopped.",,Consent provided,Web,2016-04-15,Closed with monetary relief,Yes,No,CR1882362,1164
2016-04-15,Bank account or service,Savings account,"Account opening, closing, or management",,"I have held an XXXX XXXX account with Merrill Lynch for over 35 years. The bank has now indicated that it will close this account. As I am a non-resident this will involve be in substantial loss as I will have to pay tax at the rate of 55 %. 
",Older American,Consent provided,Web,2016-04-18,Closed with explanation,Yes,No,CR1882155,2817
2016-04-15,Credit card,,Balance transfer,,"I wanted to transfer {$5000.00} from my husband 's credit card account to my own. Through XXXX XXXX, I applied for a BankAmericard 0 % card and requested a balance transfer. I was declined. I 'm pretty sure I received an Adverse Action notice in the mail. I applied for a different 0 % card and transferred {$5000.00} to my name. 

To my surprise, I subsequently received a BankAmericard in the mail. I cut up the card but decided to keep the account open to help my credit score. To my greater surprise, I then found that EN had completed a {$5000.00} balance transfer. So instead of the $ XXXX that I intended to transfer to my name, I transferred {$5000.00} to XXXX, and then EN - having declined my application - transferred another {$5000.00}, for a total of {$10000.00}. This was not my intent and may have a negative effect on my credit score. 

When EN called me ( probably a welcome call ) I told them about the error and asked them to reverse the balance transfer. Over the course of 50 minutes 1. One representative failed to authenticate another rep who was transferring me between departments and did not know how to authenticate me without my card 2. I was given detailed instructions for reversing the error myself - had to point out that this was an XXXX error and the bank needs to correct 3. Was told to come into a bank branch - again, this was a funds transfer done in error after my application was declined, told the rep that the bank has to correct After 50 minutes and the balance transfer department disconnecting me I gave up.",,Consent provided,Web,2016-04-15,Closed with non-monetary relief,Yes,No,CR1882735,9
2016-04-15,Credit card,,Credit determination,,"This is in reference to my previous complaint : Case number : XXXX still have the same issue. The bank apologized and confirmed it wo n't happen again but I still see the same issue where my credit card disappears from my online account after XXXX of every month, so I am unable to check my transaction status online. I am wondering if I should file legal action to have this issue fixed once and for all, since the bank does n't seem to take this issue seriously or do anything about it yet. 
",,Consent provided,Web,2016-04-15,Closed with explanation,Yes,Yes,CR1882631,3346
2016-04-15,Credit card,,Identity theft / Fraud / Embezzlement,,"I was the victim of an identity theft. This occurred XX/XX/XXXX when an unknown individual opened XXXX accounts using my name and social security number with a Texas address of another individual with my last name. I became aware of this XX/XX/XXXX when I received a collection letter from XXXX XXXX representing collections on an account from XXXX XXXX XXXX XXXX. Upon review of my credit report I noticed another fraudulent account that was in arrears on my report that I had no previous knowledge of from Eagle National Bank XXXX. I set up an account thru XXXX, filed a police report, sent all the appropriate letters to XXXX XXXX, XXXX XXXX XXXX XXXX, Eagle National Bank USA/TARGET, XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX responded right away and removed the fraudulent information from my credit files. Transunion and Experian removed all of the fraudulent information from their credit files. Equifax refuses to remove the information from my file from Eagle National Bank USA/Target until they hear from them directly that it is fraud. I have sent XXXX letters with all the appropriate attachments to Eagle National Bank USA/Target dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. To date I have had zero response. I have also tried to contact Eagle National Bank USA/Target by phone but repeatedly get the run around ( they have no info on me or that account etc ). 
",,Consent provided,Web,2016-04-18,Closed with non-monetary relief,Yes,Yes,CR1881372,8327
2016-04-15,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-05-12,Closed with explanation,Yes,No,CR1881135,1021
2016-04-15,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-04-15,Closed with explanation,Yes,No,CR1881206,1433
2016-04-15,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-04-15,Closed with monetary relief,Yes,No,CR1882038,2166
2016-04-14,Credit card,,Closing/Cancelling account,,"I used to have a secured card with Bk Of America who balance is XXXX and was supposed to be closed and still showing on all XXXX credits reports. 
",,Consent provided,Web,2016-04-14,Closed with explanation,Yes,Yes,CR1879278,3659
2016-04-14,Bank account or service,Checking account,Problems caused by my funds being low,,"Please attach to CFPB Case Number : XXXX. Yesterday, I received a call from a Eagle National Bank representative to discuss my complaint and that ssme Eagle National Bank representative told me she would get back to me yesterday about refunding/waving the overdraft fees I had received on my Eagle National Bank checking account due to me not having access to a Eagle National Bank ATM because the Eagle National Bank branch door would n't open when I inserted my Eagle National Bank Debit Card. I never heard back from that Eagle National Bank representative. So yesterday when I go to make another deposit before XXXX so I do n't receive anymore additional overdraft fees the ATM machice was n't accepting cash deposits and of course all of the other Eagle National Bank ATMs were being used so XXXX came and left and I was just standing there waiting for another Eagle National Bank ATM to become available so once again because of a situation that was totally out of my control and totally also Eagle National Bank 's fault that I 'm once again receiving several more unfair overdraft fees from Eagle National Bank. 
",,Consent provided,Web,2016-04-14,Closed with explanation,Yes,No,CR1880713,155
2016-04-14,Credit card,,Identity theft / Fraud / Embezzlement,,"I recently opened a store card at Nordstrom. I made a purchase of XXXX that day, and a few days later, returned XXXX of the items ( - {$37.00} ). A few days later, more than {$1000.00} of unauthorized purchases were made. I did not find out until I received my statement today. I do n't even have a physical credit card yet, just a ( now expired ) temporary card that is essentially a receipt containing a bar code, nor have I been able to set up online sign-in without a copy of the credit card and full CC number. The unauthorized purchases were all made on the same day, in two Nordstroms ( one of which was the store where I made the return, the other was a nearby Nordstrom ). 
",,Consent provided,Web,2016-04-14,Closed with monetary relief,Yes,No,CR1877879,967
2016-04-14,Credit card,,Unsolicited issuance of credit card,,,,Consent not provided,Web,2016-04-14,Closed with explanation,Yes,No,CR1879379,4675
2016-04-14,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-04-14,Closed with explanation,Yes,No,CR1879698,3246
2016-04-14,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-04-14,Closed with monetary relief,Yes,No,CR1880472,2427
2016-04-14,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-04-14,Closed with explanation,Yes,No,CR1879358,705
2016-04-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I continue to receive an annual notice for a closed bank account with a charge for safe deposit box rent. The Eagle National Bank branch located in XXXX XXXX XXXX, FL closed my checking, savings, ATM, credit card and deposit box over 3 years ago. These transactions were done, in person, with a bank officer .... I returned all bank cards, keys and records and received a bank cashiers ' check for all money due at this closing.. I also receive robo calls from XXXX with a recorded message with a reference number. These actions are at best harrassment and most certainly a fraudulent activity. All attempts to contact B of A and speak to a representative have failed. 
","Older American, Servicemember",Consent provided,Web,2016-04-13,Closed with explanation,Yes,No,CR1877282,5145
2016-04-13,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a checking account with Eagle National Bank late last week while reviewing an incentive offer for {$100.00} when XXXX {$250.00} deposits are made into the account. I chatted with a representative yesterday to confirm the offer was there but they said there was no offer on my account. The representative I chatted with while I opened my account last week confirmed it was there, so I do n't know who has the incorrect information. Want to get this resolved before it 's too late. 
",,Consent provided,Web,2016-04-13,Closed with monetary relief,Yes,No,CR1879008,1213
2016-04-13,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I used a balance transfer check ( Hardcopy ) between XXXX ( XXXX XXXX XXXX XXXX XXXX ) and EN ( Eagle National Bank ). I was having computer issues so I ended up having to drive out of town to submit in person. The teller at XXXX accepted the check. After I did that I came back to my local library and tried to confirm it online. Their printers were offline so I could't create a record. I have also reported issues long ago in a previous case. ( XXXX XXXX XXXX XXXX XXXX ) When I was able to successfully log onto online banking it reads as the balance transfer went through except it charged me XXXX. It entered it on XX/XX/2016 instead of the day I gave the bank my balance transfer check in person. ( XX/XX/2016 ) Then they sent a check to my bank and it was also dated XX/XX/2016. I have yet to return it to Eagle National Bank. The real problem here is the balance transfer online with Eagle National Bank reads as is the balance transfer access checks read as XXXX XXXX. I do NOT currently have an active account, credit card, or savings account with XXXX XXXX. The past issue with them had also to do with an employee, credit protection, and activation of XXXX or more credit protection plans as well as inappropriately using my debit card at another bank ( XXXX XXXX ). I have reported many things about my name and mail for a long time. I hope if this is the person using my name that you can catch the person using my identity. I am also signed up for identity theft protection currently and all of my children and I have protection underneath all the protection plans currently. XXXX, XXXX and I also had an event with the XXXX XXXX website as well. My reset password function showed myself and someone else 's name. XXXX XXXX at XXXX XXXX to my email XXXXXXXXXXXX. The Washington XXXX website ended up firing XXXX employees with the State of Washington XXXX XXXX XXXX and her brother who was an IT Technician for sharing confidential patient information between each other. I would like this to go to the appropriate agency so I can claim money from my long term issues involving my life and also claim issues for my children. Both are currently considered XXXX now but this has occurred so often as well as prior to them turning XXXX. This is just the latest issue and I want it all to stop as soon as possible. Very XXXX and it has affected the quality of my life. Thanks. 
",,Consent provided,Web,2016-04-13,Closed with explanation,Yes,No,CR1877485,4862
2016-04-13,Bank account or service,Checking account,"Account opening, closing, or management",,"My checking account was changed to a fee based account without my knowledge, my savings and checking accounts were drained and are in negative balances. Eagle National Bank says I owe them {$300.00}. 
I opened a checking and savings account with Eagle National Bank at least 6 years ago. It had XXXX charges at the time to have an account. I have moved 5 times in the past 3 years and had not checked that account. I stopped using the account back in XXXX when I switched over to another bank, and when I recently checked my Eagle National Bank accounts I noticed I was being charged maintenance fees ( this has been going back for at least a year, but I did not realize this previously ). Both my checking and savings accounts were in the negative and my savings account was closed. Eagle National Bank changed my checking account to one with a monthly fee. The monthly fees caused me to overdraft and go into negative balances. It 's probably about {$500.00} in charges including the negative balance for accounts I have n't touched. When I called the company I was told they sent me something in the mail. There was no due diligence on their part. I never received a phone call as I was going into overdraft on this. 

My savings account was overdrafted so much it was closed, and I am no longer able to access the documentation for the savings account. 
",,Consent provided,Web,2016-04-13,Closed with explanation,Yes,No,CR1876259,2006
2016-04-13,Credit card,,Billing disputes,,"i 'm being harassed at least 8 times a day by telephone. 
",,Consent provided,Web,2016-04-13,Closed with explanation,Yes,No,CR1878464,2963
2016-04-13,Credit card,,Other fee,,"In XXXX XXXX I used a Promotional Offer Access Check from my Eagle National Bank Credit Card account ending in XXXX. The amount of the check was {$4200.00} and the only fee for the transaction was a XXXX % transaction fee which {$4200.00} x XXXX % = {$170.00}. The {$170.00} transaction fee reflected correctly on the statement as did the {$4200.00} check amount, however on page XXXX of my XXXX XXXX credit card statement, the total amount I was charged was {$4500.00}, {$100.00} MORE than the XXXX % transaction fee. The transaction also had a promotional APR of 0 % until XXXX XXXX which has not been reached yet, so no other fees should have been tacked onto this charge, yet alone the first month the charge went through. I called Eagle National Bank today since I just noticed this discrepancy today after viewing my statements. The first customer service representative I spoke to looked at the XXXX XXXX, XXXX statement, thought it was odd, said she would put me on hold and talk to her supervisor, and I was simply transferred to another customer service representative who I had to retell my issue to. He was not helpful, could n't explain the charge, and then made up some crazy story that I have a revolving minimum APR charge of {$62.00} per month ( which I do n't have on this account.. and never have- I 've had this credit card since XXXX -- I would have long ago cancelled this card if such a charge existed ). Even the numbers he came up with did n't add up to the excess of {$100.00} charged to me on my statement. I keep getting the run around when I call Eagle National Bank and I feel like I 've been a victim of credit card fraud. If they 've done this to me, they may have done this to others and it is not right. I would like this matter properly investigated as it is n't fair for me to have to pay an unauthorized fee that should n't be there, and its not a small amount either ( {$100.00} in excess ). So when you add up the total fees charged, I was actually charged a total transaction fee of {$270.00} which is {$100.00} MORE than the listed {$170.00} fee.",,Consent provided,Web,2016-04-14,Closed with non-monetary relief,Yes,No,CR1878671,1269
2016-04-13,Credit card,,Billing disputes,,"On XXXX XXXX, 2015 I had a disagreement with XXXX XXXX XXXX. I called my credit card issuer Eagle National Bank and informed them of the issue and that I would refuse to pay the charge. I received a letter the last of XXXX to the effect that BofA decided to accept the charges from XXXX. I believe this was a scam on XXXX 's part and BofA had no business making such decision. BofA has since been sending me bills adding fines and interest charges. I refuse to be intimidated and refuse to pay said charges. 
",Older American,Consent provided,Web,2016-04-13,Closed with explanation,Yes,No,CR1878458,488
2016-04-13,Bank account or service,Checking account,Deposits and withdrawals,,"I had someone forge a check for {$2000.00} and my bank cashed it even though the signature was not a match and she used my bank card. A police report was filed and she was charged although my bank gave me back for the card transactions but will not for the check. 
",,Consent provided,Web,2016-04-14,Closed with monetary relief,Yes,No,CR1878201,2662
2016-04-13,Bank account or service,Checking account,Problems caused by my funds being low,,"Yesterday, I went to a local Eagle National Bank to make a {$400.00} deposit before XXXX so I could bring my checking account current and not have to deal with receiving any overdraft fees but when I got to the local Eagle National Bank, after banking hours, my Eagle National Bank debit card would n't open the door. No matter how many times I tried swiping my Eagle National Bank debit card, the door would n't open. Si I never got to make my deposit before XXXX. When I called Eagle National Banks ' customer service department, the young lady who answered my call quickly told me that this was starting to happen a lot with their customers and as I started telling her about other after banking hours situations I had in the past with other Eagle National Bank ATMs ( not returning my debit card, not accepting cash deposits, etc ), our call get disconnected. So when I called back the new Eagle National Bank XXXX number customer service representative I was speaking with, placed me on hold and when she returned to rhe line, the first thing she told me was that her supervisor her told her to tell me that I was going to be receiving several overdraft fees and that I was n't going to be given any courtesy refunds/waviers of the overdraft fees I was going to be receiving. I got so upset that I lost my cool and started cursing up a storm. What was I suppose to do, kick open or break the glass doors to enter EN the ATM area and make my deposit on time???? Clearly this was a situation caused by the doors at that Eagle National Bank location and not me. This was totally out of my control and that why all of the overdraft fees I received such be refunded/waived. Plus these ATM doors at Eagle National Bank, seem to be causing this situation all over the place, something that Eagle National Bank needs to and should address and resolve. 
",,Consent provided,Web,2016-04-13,Closed with monetary relief,Yes,No,CR1877564,11516
2016-04-13,Credit card,,Billing statement,,"Eagle National Bank issues and extends credit for Nordstrom branded credit cards. The periodic statement issued is misleading. On page XXXX of the periodic statement, they offer payment options. It states "" We offer many convenient ways to pay your bill - pay by phone at XXXX .... '' When you call this telephone number you do not ever get an option to speak to a representative or receive an option to pay your bill. When the telephone number is called all you hear is advertisement/solicitation XXXX after another, nothing else. For example, I called and I heard advertisements/solicitations for XXXX, XXXX XXXXXXXX, XXXX XXXX, multiple vacation offers and coupons. Never once were you given an opportunity to bypass these ads or given an opportunity to pay your bill as stated on the periodic statement. 

This is misleading, unfair and deceptive to consumers. For example, I do not have possession of my physical card and would like to pay my bill. I ca n't set up bill pay with my financial institution as I do not have the full account number. I ca n't choose online payment at norstromcard.com as I do not have the full account number. My only options are by phone or mail. Due to the timing and not wanting to incur a late fee, I chose pay by phone. It feel like a bait and switch by telling consumers they can pay at the aforementioned telephone number and that number is actually just solicitations. 
",,Consent provided,Web,2016-04-13,Closed with explanation,Yes,No,CR1878247,4078
2016-04-13,Credit card,,Forbearance / Workout plans,,,,Consent not provided,Web,2016-04-13,Closed with explanation,Yes,Yes,CR1876799,512
2016-04-13,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-04-13,Closed with explanation,Yes,Yes,CR1877776,573
2016-04-12,Bank account or service,Checking account,Problems caused by my funds being low,,"I am extremely upset! Eagle National Bank is Charging me XXXX overdrafts fees in the amount of {$35.00} each. I get direct deposit, and the money comes in regardless a. They continue to still charge my account with extended overdraft fees, and it 's a lot of money for someone who does n't have {$250.00} to throw away in overdraft fees. I 've been told about Eagle National Bank doing this to their customers, and I should have listened. Now I am the victim of it, and it horrible. XXXX item goes through, and your being charged so many fees! What a joke of a bank this is. I ca n't wait to close this account. WARNING!! Do not open an account with Eagle National Bank. This should be called the Bank of Fees for Americans!!! 
",,Consent provided,Web,2016-04-12,Closed with explanation,Yes,No,CR1876887,1853
2016-04-12,Bank account or service,Checking account,"Account opening, closing, or management",,"I HAD THEFT TO MY ACCOUNT. THEY LOCKED MY ACCOUNT FOR OVER A MONTH, MADE ME GO THROUGH ALL KINDS OF LOOP HOLES TO GET MY MONEY AND HAVE THE PERSON ON CAMERA THAT DID FRAUDULENT ACTIVITY TO MY ACCOUNT. HOWEVER, AFTER NOT GETTING ALL OF MY MONEY THEY STILL CLOSED MY ACCOUNT AND ARE REPORTING AS I OWE MONEY. I GAVE NUMEROUS STATEMENTS AND WAS WILLING TO PROSECUTE. I EVEN FILED CHARGES WITH MY COUNTY POLICE DEPARTMENT. 
",Servicemember,Consent provided,Web,2016-04-12,Closed with monetary relief,Yes,No,CR1876972,2435
2016-04-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I used Eagle National Bank XXXX to pay an individual on XXXX/XXXX/2016. The online system said that the XXXX should receive the check 2 days after my electronic instruction ( receipt by XXXX on XXXX/XXXX/2016 ). Since it was for payment to an individual, a paper check was sent in the mail by the bank. I got a call today XXXX/XXXX/2016 from the XXXX wondering the whereabouts of his money. I told him that I presumed that he got my check and cashed it since my account was debited the {$200.00} owed on XXXX/XXXX/2016. After some searching by the XXXX, the check was located today at XXXX 's company. He will deposit the check today. However, I question why my account was debited in advance of presentment and payment of this hard copy check. So, I called Eagle National Bank to find out why. They told me that when I send money to large institutions like mortgage companies or utilities, they usually accept wire transfer payments so if the instruction is sent today, they receive their money as a wire transfer tomorrow. For hard copy checks that are sent by the bank, the amount is debited from the XXXX 's account on the day that the XXXX system estimated that the XXXX would receive the check. Had I written out a check myself and put it in the mail, my account would only be debited at presentment and payment of the check. I asked B of A if the Payee had died in the interim, would my account have been permanently debited the {$200.00} and B of A would have been {$200.00} richer. They informed me that if the check was not cashed within 90 days, they would refund those funds to my account. Well, it appears to me that the bank is using my money for up to 90 days for free while I do n't have access to that money for up to 90 days. I would also question whether the bank 's system is smart enough to ensure that after 90 days my uncashed check would be credited back to my account. It was at that time that I expressed my dissatisfaction with their internal policies and that the process was unfair and heavily weighted toward the bank 's advantage. It is at that point in the conversation that they offered a solution -- which was to treat my outgoing hard copy checks as "" draft only '' checks ( I would presumably have to know enough to ask for and receive this preferred treatment of my funds ). They assured me that these "" draft only '' checks would not be debited unless and until the check was presented for payment and paid. 
So here is my question : Is this a legal practice in which banks may choose to engage? Because it seems to me that this is just another way to manage the "" float '' at the general public 's expense. Instead, the banks treat these funds as if they were already theirs. Can you please enlighten me on the legality of this practice? Thanks in advance. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX cell",,Consent provided,Web,2016-04-12,Closed with explanation,Yes,No,CR1875781,2088
2016-04-12,Bank account or service,Checking account,Problems caused by my funds being low,,"On XXXX XXXX, 2016, the following ACH transactions were debited from my account : ( 1 ) XXXX $ XXXX ; and ( 2 ) .XXXX XXXX : $ XXXX. On XXXX XXXX, 2016 and per Eagle National Bank 's email of a transfer alert, {$500.00} was transferred to my account. At the time the {$500.00} transfer was deposited in the account ( and received by BOFA ), the status of the transfer as well as the ACH transactions were "" processing '' according to my online banking transaction screen. On XXXX XXXX, 2016, I received an alert from BOFA stating that my account is overdrawn and I was assessed a fee of {$70.00} ( {$35.00} per transaction ). Upon discovering this fee, I called BOFA and spoke to a representative ( XXXX ) about this matter and was told that I did not have sufficient funds. I then asked about the {$500.00} transfer that would have covered the ACH debits however, the representative just repeated her previous statement and stated that BOFA can not process funds on the weekends. I was able to see that the {$500.00} was posted to the account on XXXX XXXX, 2016 but was "" processing. '' BOFA decided to post the ACH debits and did not use the {$500.00} transfer deposit to apply to the ACH debits that were also "" processing '' during the same time period. 
",,Consent provided,Web,2016-04-12,Closed with monetary relief,Yes,No,CR1875151,1685
2016-04-12,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"We requested and Eagle National Bank sent us a check on XXXX/XXXX/2016 for {$4000.00} which we deposited in our checking account in another bank. Approximately a week later a EN representative called to tell us that this check had printing errors, it will not be paid and that a new check will be issued and sent. We finally received a replacement check today XXXX/XXXX/2016. In the mean time our checking account was overdrawn and we are accruing fees for overdrafts and returned checks not paid due to insufficient funds. In multiple follow up calls, while EN representative XXXX XXXX finally acknowledged the situation and stated that we will be reimbursed for any fees we were charged as a result of this situation, the resolution of this issue is with their legal department and refused to provide a document that the negative consequences were the result of EN 's error. To make us whole we need to have a document that explains what happened so that we could forward it to credit bureaus and to others to whom we made payments that were refused due to unavailability of funds we relied on. Their requests of fees for returned checks will also need to be honored and paid. 
",,Consent provided,Web,2016-04-12,Closed with explanation,Yes,No,CR1876571,3538
2016-04-12,Credit card,,Billing disputes,,"I bought a computer from XXXX. It was suppose to arrive on XXXX XXXX, 2016. However, when i came home that day, a box was in front of my door step and it was empty. Called XXXX immediately and was transferred to a higher customer department, and was then told that i should dispute the charge with my bank as they would n't be able to refund me back through their system and there seems to be a mistake made by the shipping department. I disputed the charge with my bank and told everything that happened. On XXXX XXXX, the dispute was closed in favor of XXXX as they provided the tracking number and a valid statement that said the shipping carrier delivered it to me and was signed by me. However, I do n't recall ever signing it. I called my bank but they were unable to help me make an appeal or anything but just suggested me to speak to XXXX. I spoke a executive from XXXX and was able to get some help, but in regards to my money, the executive told me that it 's highly unlikely that they can do anything other than speak to XXXX and find out more information about this issue.. 
",,Consent provided,Web,2016-04-12,Closed with explanation,Yes,Yes,CR1875992,6452
2016-04-12,Credit card,,Customer service / Customer relations,,"My problem is with EN Retail Card Services. My husband purchased me a ring on a special finance ( 0 %, interest deferred ). He than traded it up 6 months later, they had a special of 8.9 on that. I am making payments on line, At the time of the payments I send an email requesting them to allocate the extra XXXX all to the account that I have indicated in the email ( deferred interest account ). They have yet to do this since XX/XX/XXXX payment. I have sent numerous emails and called. Since my husband obviously did the purchase with out my knowledge ( they were gifts ). They would n't speak to me by phone, I was hung up on twice while I was trying to get my husband on the phone to authorize me to speak with them. I got the same Representative 2 times before my husband could actually tell them to please speak to me to fix this. She then put me on hold until it disconnected me. when i called back and spoke to a supervisor, the supervisor refused to speak to me with out speaking to me husband. Even though the person that hung up on me twice was there and could verify that she has just got his authorization. This is 4 months of trying to get this repaired. I pay on time and always extra. I have about XXXX emails to there customer service along with sending in by fax all of the back up with proof we have been trying to take care of this mess. I cant even get someone with authority to contact us back. They could easily call my husband. We have had no luck even getting through when we are in the same place at the same time. AS FOR LOSS OF MONEY ... We will have to pay an extra XXXX in XX/XX/XXXX and all the interest it keeps accumulating, because instead of putting XXXX towards the account they are only paying XXXX. At that rate it will be well over XXXX to XXXX. 
",,Consent provided,Web,2016-04-14,Closed with non-monetary relief,Yes,No,CR1875806,555
2016-04-12,Credit card,,Delinquent account,,"EN Bank N.A. failed to provide me with a statement or bill for a credit card that I hold with their company. EN Bank N.A. then applied late charges while still failing to notify me in any manner that there was a balance on my account, and failing to notifying me of the application of late charges ( email, mail, phone, etc ... ). EN Bank N.A. then reported my account as delinquent to all major credit bureaus while still failing to notify me in any manner ( postal mail, email, phone, etc ... ) of the balance or delinquency. EN Bank N.A. still has not contacted me in any manner : the delinquency was reported to me by a third party ( XXXX ) which notified me of a drop in my credit score ( from XXXX to XXXX ). I learned of the score drop on XXXX/XXXX/16 and called EN Bank N.A. on XXXX/XXXX/16. EN Bank failed to acknowledge that it owed me any duty to supply with a statement and claimed that it did, although the company failed to do so. I called EN Bank N.A. again on XXXX/XXXX/16 to obtain a copy of the past 4 statements, which I have not received, so that I may request a correction to EN Bank 's reporting of delinquency to the credit bureaus, as well as to include in a report to the credit bureaus. T.D Bank first attempted to charge me {$7.00} per statement, although the statements were never initially provide. T.D Bank then finally agreed to waive the fee for two statements, but refused to waive the {$7.00} for the remaining two statements. EN Bank N.A. has created a system where they fail to notify customers of charges in order to charge as many fees as possible. This has caused graved economic effect to my credit score, exclusively as a result of EN Bank 's dubious, unethical, and likely illegal business model. The charge in question was a singular, automatic charge of under {$10.00}. The credit card is otherwise entirely unused. 
",,Consent provided,Web,2016-04-14,Closed with non-monetary relief,Yes,No,CR1875886,2417
2016-04-12,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-04-12,Closed with monetary relief,Yes,No,CR1876708,2259
2016-04-12,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-04-12,Closed with explanation,Yes,No,CR1876046,8489
2016-04-12,Credit card,,Other,,,,Consent not provided,Web,2016-04-12,Closed with explanation,Yes,No,CR1875976,14
2016-04-12,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-04-12,Closed with explanation,Yes,No,CR1876633,2806
2016-04-12,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-04-13,Closed with explanation,Yes,Yes,CR1875240,2876
2016-04-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-04-12,Closed with monetary relief,Yes,No,CR1875222,3163
2016-04-12,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-04-12,Closed with monetary relief,Yes,No,CR1874977,3670
2016-04-11,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank pushes people/me to go paperless for statements ... I read on their site that I will get check images in my statements for no charge going back 36 months ... then I do n't see the check images in my statements.. now they want to charge me {$3.00} PER check image that are older then 10 months. See here : https XXXX "" FAQs : Bank Account Statements : Online Statements hide Can I view my statements with check images online? 
Yes, your statements with check images are available online. That means you can view, print, and download up to 36 months of your statements online at any time. When you go paperless with our online statements service, we provide check images as part of your statement at no charge and you receive your statements online instead of in the mail. 
If you are an Online Banking customer, Go Paperless Now '' 
",,Consent provided,Web,2016-04-11,Closed with explanation,Yes,No,CR1873664,4029
2016-04-11,Bank account or service,Checking account,Deposits and withdrawals,,"Me and my daughter 's Eagle National Bankn account was involved in a very elaborate fraud scam. On XXXX XXXX, 2016, XXXX check s in the amounts {$4900.00} and {$4900.00} were deposited into our account at an ATM located in XXXX, XXXX ; which neither of us resides in. I live in XXXX, XXXX and my daughter attends college in XXXX, XXXX. The checks that were deposited were XXXX checks drawn from a EN account. The following day XXXX men came to my daughter 's apartment, presented their XXXX business cards and told her that XXXX accidently wired almost $ XXXX into her account and that they were there to collect the money. She was unaware of the deposit at the time but checked her account and confirmed what the men said was true. She is a XXXX XXXX XXXX college student who was taught not to question authority so she did what they told her to do. Because she is so naive of banking, she thought bank withdrawals had daily limits like ATM withdrawal so she withdrew half the money at one bank and the other half from another branch and gave it to them. Two days later, XXXX returned the checks back to EN ; which resulted in our account being overdrawn for {$9700.00} and they deactivated my ATM card for all my accounts ; which is how I was notified of the fraud. I immediately submitted a fraud claim with the bank to conduct an investigation. About a week later an investigator called my daughter who conferenced me on the call. EN pulled the camera footage for the ATM where the checks were deposited and were able to confirm that the deposits were s made by a man, the investigator told us that the man had been implicated in other investigation conducted by Eagle National Bank however they only had his image but did not know who he was. The investigator was trying to intimidate my daughter by insinuating that she was part of the fraud ; by questioning why she made XXXX withdrawals as well as how the men would know where she lived. After the call with the investigator I went on line and did a people search under my daughter 's name ; which showed that she resides in XXXX, XXXX and for {$7.00} I could have purchased a full report ; which included her full address. It was a completely unbiased investigation ; any criminal can infiltrate our personal information from the internet ; which is why identity theft is such a security threat to us all. Although EN did confirm that the checks deposited were not done by me or my daughter nor was it my daughter signature on the check ; they denied the claim and are now holding us responsible for repayment of all the money, they submitted us to XXXX and have closed the account. They have refused to take any responsibility for their lack of due diligence. 
Initially we did not see the purpose of filing a police report as we felt nothing would come from it and no matter what the results of the police investigation, Eagle National Bank would still holding us responsible for the repayment of the money. However after speaking to a Consumer Protection attorney, he advised me to submit a police report to have it on record that a fraud was committed against us. 
EN should be held responsible for not doing their due diligence to protect us by neglected to identify the below red flags : 1. The deposits were made at an ATM outside of the states the either of us live in 2. The unusualness of a deposits so large in student accounts when the average balance is only {$400.00} 3. Their failure to confirm account holder signature 4. Their failure to not place such large checks on hold to confirm funds and/or the legitimacy of the checks before releasing the funds into our account 5. With all of the above red flags they still did not flag the account as having fraudulent activity until after XXXX returned the checks ( when it is was too late ) 
",,Consent provided,Web,2016-04-11,Closed with explanation,Yes,No,CR1872812,1594
2016-04-11,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX/XXXX/16 I wrote check # XXXX ( Eagle National Bank ) from XXXX XXXX XXXX, XXXX in the amount of {$730.00} to XXXX XXXX. I discovered on about XXXX/XXXX/16 that XXXX XXXX "" put a XXXX '' in front of the XXXX on the numerical portion XXXX the check and cashed the check. The teller "" failed '' to read the check and see that the hand written portion of the check stated XXXX XXXX XXXX XXXX dollars. The check was chased for {$1700.00}. I went to Eagle National Bank branch in XXXX, AZ to ask fora {$1000.00} credit for "" teller '' error. The local B of A person told me that they could do nothing and that I had to file a police report and then call their Fraud department and that due to the Teller error B of A would credit back the {$1000.00}. I filed the Police report - XXXX case # XXXX ; and then called the Fraud line for B of A ( XXXX ) I spoke with XXXX and was told that since the check read XXXX XXXX XXXX XXXX my account would be credited with {$1000.00} within 24 hours. Two days later my account had not been credited so I called to find out when it would be credited. 
I was told by the Fraud line representative that since the check was "" cashed '' and not deposited that B of A would not credit my account the {$1000.00} and that it was my problem to collect the {$1000.00} from the recipient. I asked to speak with a supervisor or decision maker and was told there was no one who could help me or change this decision. 
I am asking fora credit back to my account for the fraudulent {$1000.00} that the teller failed to identify. 
",Older American,Consent provided,Web,2016-04-11,Closed with monetary relief,Yes,No,CR1874130,7594
2016-04-11,Credit card,,Transaction issue,,"* I bought an XXXX XXXX ticket which showed me total ticket price of XXXX * I paid this payment by one of my Eagle National Bank credit card ending with XXXX XXXX Now the Eagle National Bank shows a Foreign transaction fee of XXXX. 
Complain : I am in USA physically, open the website in usa, bought ticket while I was in USA, XXXX XXXX site does not state that the transaction will take place out side USA, Eagle National Bank does not say that this site will be considered a foreign transaction, then why I am being charged. Eagle National Bank should clearly state me on each charge that this would be extra fee or say this is foreign transaction. 
Website itself does not declare it. Pls assist me getting these fee back. 
Thanks, XXXX. 
",,Consent provided,Web,2016-04-11,Closed with monetary relief,Yes,No,CR1873835,5241
2016-04-11,Credit card,,APR or interest rate,,"In XXXX 2009 there was a return payment on my Eagle National Bank credit card account. From that point on I have been charged for a cash advance, and my interest rate went from 7 % to 24 % I have made every payment due and also paid the month of the NSF. My account has remained current from the beginning of the loan until now. I recently contact Bank of Amercia about this discrepancy and they stated it was nothing they could do. Please help.. 
",Servicemember,Consent provided,Web,2016-04-11,Closed with explanation,Yes,No,CR1874165,8764
2016-04-11,Credit card,,Credit card protection / Debt protection,,"sheriff of XXXX county shows up at my door saying I have a judgement against me, from 2012, i had received paperwork in the mail and called the law firm in 2012. he asks me if i can pay, XXXX, i say, no, do you have anything i can sell, like what, no. i call the law firm again, I sent paperwork to them 4 yrs ago, info on my income ssd, XXXX per month, yet the harassment continues. I 'm worried about my husband 's bank account, because Sherriff says they can get into. what can they do to me???? 
",Older American,Consent provided,Web,2016-04-11,Closed with explanation,Yes,Yes,CR1874168,3968
2016-04-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-04-11,Closed with explanation,Yes,No,CR1873728,3209
2016-04-11,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-04-11,Closed with explanation,Yes,No,CR1873341,3552
2016-04-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-04-12,Closed with explanation,Yes,No,CR1874416,125
2016-04-10,Bank account or service,Checking account,Problems caused by my funds being low,,"I opened an account with Eagle National Bank in XX/XX/XXXX called "" campus edge ''. I am told that in XX/XX/XXXX I received a statement notifying that my bank rules have changed and now I am going to be billed {$12.00} per month for not having a balance of {$1500.00} in the account. 

I find this unfair that if someone missed the statement warning they essentially bleed out their money. No email alerts for fees are sent out. Only "" statement available ''. It 's a nice way to steal {$120.00} a year from small accounts that people forget about. 

I lost {$210.00} this way before taking back control. 
",,Consent provided,Web,2016-04-10,Closed with explanation,Yes,No,CR1872395,434
2016-04-10,Credit card,,Billing statement,,"Eagle National Bank is issuing inaccurate statements. I have XXXX balance transfers, XXXX with a promo short-term zero interest rate ( after the. Under the Interest Charge Calculations section of my statement, under "" balance subject to interest rate '' it shows a zero balance for each of the balance transfers. This is not correct. I have several thousand dollars subject to that special zero-percent interest rate. While the special promo rate happens to be XXXX at the moment, this will change when the promo time period is over. 

Every other credit card company I have ever had a balance transfer with shows the actual balance in this section of the statement, even when the rate is zero. Right now I have no idea of much of my actual balance is currently subject to this promo rate. When I called Eagle National Bank about the issue, I spoke to supervisor who said they used to show the correct balance amount there, but it was changed last year, she did n't know why, they had had a lot of complaints, but while they knew they were providing inaccurate information to the consumer, they were not going to change it and will continue to provide inaccurate information. She said that If I wanted to know my balance for each balance transaction each month, I would just have to call each month since they would not provide the statement regarding my correct balance on my statements. 
This is completely ridiculous and counter to the information they are supposed to provide me so that I can make good financial decisions. As I said, every other credit card company provides this information correctly on their statements, and by their own admission, BofA used to provide this information correctly. 

I 've attached a sample of my BofA statement and my statement from XXXX bank. As you can see, the BofA statement gives me incorrect information in that it is stating that I have a XXXX balance subject to the promo interest rate. this is completely incorrect. The XXXX statement presents the exact same situation correctly. 
",,Consent provided,Web,2016-04-10,Closed with explanation,Yes,Yes,CR1872033,3002
2016-04-10,Credit card,,Rewards,,"XX/XX/XXXX, I signed up for a Eagle National Bank cash rewards credit card in which I was promised XXXX % cash back for all purchases plus a XXXX % bonus for a total of XXXX % on all purchases. In addition, I was promised a XXXX % bonus to make it XXXX % cash back if at least {$300.00} in cash rewards was accumulated before I redeemed the cash reward. The commitment made by Eagle National Bank was that this benefit would be in place FOR THE LIFE OF THE CARD. When I realized they had radically reduced the amount of the cash back bonus, I called Customer Service and was informed that the program was discontinued in XXXX XXXX and that I was placed in another program. It 's supposed to be "" FOR THE LIFE OF THE CARD '' not when they arbitrarily decide to end the program. In looking back at my statements, the change seems to have happened when Eagle National Bank called me with a fraud alert and had to change my credit card number although I 've been with them continuously since XX/XX/XXXX. Are they declaring that because they have a concern about fraud and issue me a new card that they now declare the "" life of the card '' provision no longer exists? I do n't believe it 's fair what was done to me. A company should not have the right to arbitrarily decide to end of the program yet when they market the card to you tell you the terms are for the, "" LIFE OF THE CARD ''. 

I 've attached the XXXX consecutive statements in which the XXXX statement credit card number was changed. 
",,Consent provided,Web,2016-04-10,Closed with explanation,Yes,No,CR1872500,6272
2016-04-09,Bank account or service,Checking account,Using a debit or ATM card,,"Called Eagle National Bank on XXXX XXXX to question a transaction previously reported as unauthorized. Stop payment was placed against merchant at conclusion of call. Several days after phone call, Eagle National Bank deactivated my debit card and reset my debit card PIN. This was not discussed or planned based on the phone call on XXXX XXXX. Once I realized my debit card had been canceled, I contacted Eagle National Bank by telephone. They apologized for the confusion and I requested rush shipping of the replacement card. The representative agreed and placed notes on the request to waive the rush replacement fee. As of the time of this filing, the replacement fee of XXXX USD was charged to my account and calling in this morning of XXXX XXXX resulted in the representative being unwilling to review the notes and waive the fee. He obviously was n't comprehending what I was telling him. 
",,Consent provided,Web,2016-04-09,Closed with monetary relief,Yes,No,CR1872101,2362
2016-04-09,Credit card,,Other,,"* I have created a new login because I am trying to dispute response from Eagle National Bank in case number XXXX. My phone calls were never returned from XXXX XXXX at XXXX extention XXXX. Was on vacation until XXXX/XXXX/XXXX then given another extension XXXX, I left message and never received a call back. No one is returning my calls. I have notified my lawyer also with the response on this dispute. Eagle National Bank is claiming I am still liable for this debt even though the XXXX reads "" Total debt is discharged with an Indentifiable Code : XXXX "" which means the debt has been canceled. I have filed that XXXX with my XXXX IRS filing and paid back taxes on that debt already. I need to know specifically what documentation they need to fix this matter. I also want this dispute forwarded to a manager/supervisor along with direct phone number and fax number to call back and get a live person and not a voice mail. My lawyer has a copy of everything I have forwarded to you and I should be hearing back from my lawyer the next few days also. My credit reports are now back showing "" delinquency "". I have filed and paid taxes on this "" discharged debt ''. This account once again should be closed, a charge off canceled debt with {$0.00} balance.",,Consent provided,Web,2016-04-11,Closed with explanation,Yes,No,CR1872197,2172
2016-04-09,Credit card,,Closing/Cancelling account,,"In XXXX I defaulted on a Eagle National Bank credit card, which caused my promotional rate to sky rocket to the default rate. I contacted BofA and asked them what my options were to get the rate lowered, they told me I could opt out, that would close my account and look in a lower rate until the balance was paid. I agreed to do that. A few months ago i pulled my credit report, I see that BofA is reporting "" account closed by creditor '', I disputed this with the credit reporting agencies, BofA responding saying that was correct. I sent them a certified letter, letting them know that they are reporting incorrect information, they responded saying they are not. I called and spoke to someone that told me my account had been closed by the creditor, in XX/XX/XXXX, I told them, thats false, i closed it in XX/XX/XXXX. We have gone round and round, they claim they have done XXXX investigations and found that they in fact closed it in XX/XX/XXXX. Well I was either mislead in XX/XX/XXXX or im being mislead now, and in XX/XX/XXXX i was not informed they closed the account, had i been informed I would have told them then that was incorrect. Only did I find out their claim to have closed the account in XX/XX/XXXX, during my attempts to have them report correctly to the credit reporting agencies. I closed the account in XX/XX/XXXX, regardless of what their bias investigation is showing now. there has been no activity on the card except payments since XX/XX/XXXX. Eagle National Bank is such a huge corporation, its hard to believe that they have such shady business practices. Lying to their customers.",,Consent provided,Web,2016-04-09,Closed with explanation,Yes,No,CR1871189,1974
2016-04-09,Credit card,,Identity theft / Fraud / Embezzlement,,"The item below has not been verified as mines therefore it has to be removed from my XXXX and XXXX credit report. 

Show less Account name Eagle National Bank Account number XXXX .... 
Recent balance {$3300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$3300.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
",,Consent provided,Web,2016-04-09,Closed with explanation,Yes,Yes,CR1871980,1880
2016-04-09,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-04-09,Closed with explanation,Yes,Yes,CR1872246,932
2016-04-09,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-04-09,Closed with explanation,Yes,No,CR1872221,2101
2016-04-08,Bank account or service,Checking account,Problems caused by my funds being low,,"At Eagle National Bank, I have had my personal & business checking account assessed with several NSF/Overdraft fees, since XXXX continuing into XXXX inspite of the fact that I was told the checking account has been linked with Bofa Credit card to avoid any fees and I covered the deficiency balance on numerous occasions the same day. Inspite of everything I have done to avoid getting hit with these fees, the account keeps getting charged with these erroneous fees. I contacted the personal banker, XXXX XXXX XXXX for this issue ( See email excerpt below ). I can not afford these fees as I 'm already struggling financially and being a long-time bank customer, and have maintained account in good standing. I 'm not getting any assistance from the bank for this issue. 

From : XXXX Sent : Friday, XX/XX/XXXX XXXX To : XXXX Subject : RE : NSF fees Hello XXXX XXXX Thank you for reaching out to me thru email. 
I did send the request already for your refund credit. As soon as I get the response from the request I will contact you. 

Thanks! 


XXXX XXXX Relationship Banker EN_logo XXXX CA XXXX Ph : XXXX Fax : XXXX XXXX From : XXXX XXXX [ XXXX ] Sent : Friday, XXXX XXXX, XXXX XXXX To : XXXX, XXXX Subject : NSF fees XXXX, Nice to meet with you last week for the NSF fees. 
As of now, I still have not seen anything come through yet for credits.. 
Can you please let them know that my accounts were not linked to the Bofa Credit card and also I was not aware of the depositing funds the same day in the account..Main thing is that I was told to open the card to avoid NSF fees and yet I 'm being charged on my Bus acct - XXXX & Personal account XXXX 

Thanks! 

Best Regards, XXXX 
",,Consent provided,Web,2016-04-08,Closed with monetary relief,Yes,No,CR1870873,3009
2016-04-08,Bank account or service,Savings account,Deposits and withdrawals,,"I deposited a check for {$1900.00} on XXXX XXXX, 2016. On XXXX XXXX, I was told clearly by XXXX, a teller at Eagle National Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, XXXX that the check had "" no hold '' and cash was available. I told her that this was related to an online ad, and I had to know for sure that the check had cleared and was definitely legitimate. I asked her a second time, is the money definitely and permanently in my account so I could proceed, and she said yes. However, on XXXX XXXX, the {$1900.00} was taken out of my account. Apparently Eagle National Bank did not follow the right procedure for clearing the check, and then took money away from my account that was definitely mine. Based on an XXXX XXXX conversation with the branch manager, XXXX XXXX, the branch did not violate OCC guidelines regarding clear communications with customers in explaining the difference between funds available and a check being verified. They had followed those guidelines. Instead, Eagle National Bank 's corporate office had erroneous information in the database about the check being cleared. The branch reported that the check was definitely cleared because that was the information they had. 
",,Consent provided,Web,2016-04-08,Closed with explanation,Yes,Yes,CR1871221,2503
2016-04-08,Bank account or service,Checking account,"Account opening, closing, or management",,"I used to be employed by EN for 17 years when my job was eliminated in XXXX XXXX. Around XXXX or XXXX I walked into the EN branch at XXXX XXXX XXXX, XXXX NY XXXX and closed XXXX checking accounts and XXXX savings accounts as I was no longer going to get my free employee rate on them. On XXXX/XXXX/XXXX I was informed they force closed XXXX of these checking accounts after waiving {$75.00} in fees and when I called to find out how they reopened an account I already closed I was informed I also currently owe {$25.00} and {$56.00} for XXXX other savings accounts that were closed that day. I was informed by XXXX at XXXX he could give me no info on why they accts were still open and I should go back to the branch I originally went to in order to fix this issue. I do not feel I should have to waste my time to walk into a branch when I should be able to fix this issue over the phone and I also do not have any faith that the branch that could not get this correct in the first place will fix the issue the 2nd time around. I already closed these accounts over 2 years ago and do not see why I should have to close them again because EN can not do their jobs. I know these accounts were originally closed as I still have an IRA and a credit card with EN and saw the accounts were closed and removed from my online banking about a week after I went into the branch in XXXX to close them. I feel that EN is illegally opening accounts back up and charging fees on them and I need to have this issue rectified. Unfortunately, I do not have any of the information anymore regarding the closed accounts as that is not something I felt the need to keep for over 2 years. I guess I did not assume closing a checking and a couple savings accounts would be such a difficult thing to do. 
",,Consent provided,Web,2016-04-08,Closed with monetary relief,Yes,No,CR1870253,884
2016-04-08,Bank account or service,Checking account,Problems caused by my funds being low,,"Issue : 1. On XXXX/XXXX/2016 Eagle National Bank charged me {$35.00} OVERDRAFT ITEM FEE FOR ACTIVITY and 1 week after, on XXXX/XXXX/2016 they charged me a second {$35.00} fee for the same overdraft, and they called it an "" Extended Overdrawn Balance Charge. 
2. Eagle National Bank informed me about the 2nd overdraft charged to my email address but they said they did not inform me about the first one. 

Desire resolution : Eagle National Bank is charging twice the same fee in a week, therefore they should reimburse me the second fee. 
I have had this account since the year XXXX and I had never had an overdraft. They refused to waive the fees. 
",,Consent provided,Web,2016-04-08,Closed with monetary relief,Yes,No,CR1869653,1015
2016-04-08,Credit card,,Credit card protection / Debt protection,,"I own XXXX XXXX Eagle National Bank XXXX and XXXX of them got charge with {$59.00} annual fee. Contacted the Bank to have the charge removed and to close the account. No sense on having XXXX accounts. The Bank gave me several excuses which did not make sense and finally escalated the case ( # XXXX, tel no. XXXX ). The escalation resulted in the Bank telling me that only Spirit can remove the charge. Contacted Spirit and I got redirected back to the Bank. Find attached e-mail from Spirit. I am between these XXXX institutions a no one wants to remove the charge. This is a charge for next year services and I do not want these services. 
",,Consent provided,Web,2016-04-08,Closed with monetary relief,Yes,No,CR1870987,4153
2016-04-08,Credit card,,Customer service / Customer relations,,"I received my Eagle National Bank Travel Rewards credit card back in XXXX of XXXX. I wanted to wait a couple months to activate my card, so I called and verified that if I wait a couple months, then I 'd still have 90 days from the day of activation to acquire my XXXX points. The customer service rep that I spoke with verified. XXXX/XXXX/XXXX I activated my card and they said I have 0 % interest till XXXX XXXX. I called today to see if they could extend the 0 % interest to 12 months from activation, but they told me no. I said that I 'd like to verify that I still have 90 days from activation to acquire the XXXX points and they told me no, that it was from the day the account was created and not activated. I was misinformed by the representative that I spoke with back in XXXX. I 'm upset about being given the incorrect info back in XXXX, so I asked to speak with a manager, so I was transferred to XXXX XXXX from the West Virginia call center. He told me there is nothing he could do and that that no one would be able to adjust this for me. I explained I was upset about being told the wrong info when I called in XXXX and that this makes this Travel Rewards card useless to me. I told him that I was going to file a complaint, but he said there is nothing that can be done. It 's disappointing about the 0 % interest is from the date of opening the account and not activating, but I 'm upset about being told the wrong information about the XXXX reward points ( the whole reason I got this card ). If nothing can be done, then I might as well just close this account. 
",,Consent provided,Web,2016-04-08,Closed with explanation,Yes,No,CR1871662,3797
2016-04-08,Credit card,,Identity theft / Fraud / Embezzlement,,"I responded to an email I received that appeared to be from a well-known and often shopped store "" XXXX XXXX '' to complete a customer satisfaction survey. Thinking I was dealing with XXXX XXXX, I completed the survey. As a reward for completing the survey, "" XXXX XXXX '' offered free merchandise. XXXX of the items offered was a colon cleansing product which I picked as my free reward. After completing the page requesting the product, I was asked for my credit card info to pay {$4.00} for shipping and handling. At NO TIME did the offer say anything other than it was a free offer for completing the aforementioned survey. I decided to give my credit card information for the {$4.00} shipping and handling fee as XXXX XXXX is a well known and trusted merchant. As soon as that information was submitted, the web page "" disappeared ''. I could not return to the survey page, the free offer page or the credit submission page. There was no information available as to the company that would be shipping the product or any way to contact that company to question or cancel the order. 
The only thing received to date are the unapproved charges ( XXXX separate charges in the amounts of {$44.00}, {$79.00}, {$94.00}, {$85.00} plus {$1.00}, {$2.00} and {$2.00} for "" foreign transfer fees '' ) to our credit card. No product was ever received. We filed a claim with Eagle National Bankn on the first XXXX charges ( as they were the first to show on our statement ) Eagle National Bank said they would look into the charges, and subsequently dropped them from our statement. On the following statement, XXXX more charged were incurred. When we contacted Eagle National Bank on these charges they once again agreed to look into them but now the response from Eagle National Bank is : "" We requested and received a copy of the sale ( s ) slip the merchant provided as verification of the charge ( s ). '' I contacted Eagle National Bank by telephone to explain again that there was never any product shipped and I had only approved a {$4.00} charge for shipping and handling for the "" Free Offer '' product. Again, they responded by mail that, after further investigation, they have receipts for XXXX of the charges {$94.00} and {$85.00} and we would be responsible for paying. Now Eagle National Bank is reopening the dispute on the first XXXX charges as well. 
",,Consent provided,Web,2016-04-08,Closed with explanation,Yes,Yes,CR1870167,1410
2016-04-08,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-04-08,Closed with explanation,Yes,No,CR1871744,2893
2016-04-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-04-08,Closed with monetary relief,Yes,No,CR1870719,225
2016-04-08,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-04-08,Closed with explanation,Yes,Yes,CR1870880,1894
2016-04-07,Bank account or service,Checking account,"Account opening, closing, or management",,"Hello, I am filing a complaint against Eagle National Bank. I signed up for a small business checking account on XXXX XXXX, 2015. I did this in branch at their XXXX XXXX, XXXX branch. The personal small business banker I dealt with was as follows : XXXX XXXX. His email address is as follows : XXXXXXXXXXXX. 
I also personally dealt with the banking manager, whose first name is XXXX. Neither seemed interested in helping me. They did not respond to emails, and just basically blew me off. 

I met all the requirements of the promotion, including a set amount of spend on a newly opened credit card, a certain amount of bill pays, etc. 

Here it is seven months later, and I feel that Eagle National Bank is doing anything they can to avoid paying the bonus. I have contacted them by phone, email, online chat, and have even written letters. I have personally communicated with the XXXX employees listed above, who had set up the account. I do n't know if they are intentionally not following through on the requirements of the bonus, or did not fail to set it up properly on XXXX XXXX. But waiting 7 + months for a bonus to post that was supposed to post in 2 or 3 seems shady. I was told by a consumer advocate that the CFPB is the one to go to on this issue. I am hopeful that you will be able to get Eagle National Bank to finally post my bonus of {$1000.00}. Thanks so much, XXXX XXXX. I will attach documents for you. Please contact me at ( XXXX ) XXXX or XXXXXXXXXXXX if you need any more information. 
",,Consent provided,Web,2016-04-07,Closed with monetary relief,Yes,No,CR1869512,4029
2016-04-07,Credit card,,Closing/Cancelling account,,"My wife had I have had a credit card since XX/XX/XXXX at a rate 0f 8.9 %. Eagle National Bank has held the account since XXXX while MBNA and XXXX were predecessor banks from which they purchased the account. Recently while trying to use the card we discovered that the account had been closed. We 've been told that the account was cancelled somewhere between XXXX XXXX and XXXX XXXX. Current statements from the bank show an available balance of {$3100.00} and an outstanding balance of {$27000.00} I contacted the bank today and spoke with the following BofA representatives : XXXX - Customer Service Department XXXX - Compliance Processing and Monitoring Department XXXX XXXX - Credit Card Services Sometime between XX/XX/XXXX and XX/XX/XXXX a letter was sent to us requesting that we update information on our credit file. We did not see this letter. It was probably thrown away with all the other junk mail we get from various banks. The BofA policy is that the account be terminated if the information is not received. 
All of our dealings with BofA on this account have been conducted electronically. We get statements and we pay on line. 
1 ) Why was n't the request for updated account information made through electronic channels since that was the way we had been dealing with BofA for the past ten years? 
2 ) Why was n't a follow up attempt made to reach us for the information considering the length of time we had maintained the account? 
3 ) Why did n't we receive a notice of the account closing? 
4 ) Why does the current monthly statement show the account open with available credit? 
In speaking with the above bank representatives I have provided the updated information they required. They have told me that federal regulations require that they update their credit information file and if it is not supplied that the account be closed. There is no requirement that the request for updated information be sent in anyway other than by mail. I asked for a copy of the letter that was sent and requested the date on which it was sent but was told the representative could not provide that information. 
When completing discussions with the Compliance Processing and Monitoring Department I believed that I had provided all that was necessary to reinstate the account. 
I was transferred over to Credit Card Services and told that too much time had passed and that the account could not be reinstated but I could reapply for a new credit card at the a rate of 13.24 %, if approved. 
I feel that that the cancellation policy that only requires a mail notice for information with no additional follow up is an unfair practice and continuing to send me statements showing available credit is a deceptive practice. 
",Older American,Consent provided,Web,2016-04-08,Closed with non-monetary relief,Yes,No,CR1868822,1851
2016-04-07,Credit card,,Closing/Cancelling account,,"The account was cancelled due to past due on a few occasions .I was able to catch up paid it up to date including all past late fees. Seems that they waited to get the late fees before canceling the account. 
",,Consent provided,Web,2016-04-09,Closed with explanation,Yes,Yes,CR1869814,3577
2016-04-07,Credit card,,Billing disputes,,"We request your action against the XXXX which failed to protect its customer ( XXXX XXXX XXXX XXXX XXXX under Fair Credit Billing Act ( FCBA ) and paid a merchant for goods not received by the consumer. 
XXXX XXXX accepted the forged XXXX delivery receipt although the consumer confirmed that did not receive the goods and XXXX confirmed unavailability of signature. 
On our dispute that recipient of our order did not receive the goods, the merchant provided additional forged email as evidence to its delivery to the recipient of our order. We do understand that XXXX XXXX is not a law enforcement authority but at least it could question the merchant if the provided proof is forged on the basis of the police report we had submitted to it. 
The claimed delivery address does not belong to the recipient of our order. We provided the evidence to the XXXX XXXX that the merchant was aware about this fact and looking for our help to subpoena the property owner where it claimed the delivery. 
",,Consent provided,Web,2016-04-08,Closed with explanation,Yes,Yes,CR1867342,4145
2016-04-07,Bank account or service,Checking account,Problems caused by my funds being low,,"I was charged {$170.00} for overdraft fees on XXXX XXXX, 2016. The bank held all my debits and presented them on the same day, beginning with a large check I wrote for {$15000.00}. As a result, I was charged {$35.00} for a {$1.00} item, another {$35.00} for a {$7.00} item, another {$35.00} for a {$34.00} item, etc. I realize that I am responsible for ensuring that I have funds available, and I review my online bank every day. My online reflects that funds were always available for all the items I presented, when I presented them. I have attached online screen prints. I can not afford to be charged this overdraft fee at this time. I was granted a refund of {$70.00} but need the rest of my money. I just purchased an investment property and plan to bring plenty more funds to the bank, if they show me that they value my relationship. I have never overdrawn my account before, and this all occurred because I was traveling and in the middle of the big purchase, so I may not have paid as close attention as I usually do. I maintain balances in my account well over the premier account requirement. I only recently changed it because I need to write another large check soon. As you can see in my account history, I also have other accounts that I would consider moving to Eagle National Bank, if I am granted this one time courtesy refund to refund the entire {$170.00} I was charged. If not, please call me to let me know how to have all my accounts closed. Regards 
",,Consent provided,Web,2016-04-07,Closed with monetary relief,Yes,No,CR1868221,1908
2016-04-07,Credit card,,Late fee,,,Older American,Consent not provided,Web,2016-04-07,Closed with explanation,Yes,No,CR1868781,1906
2016-04-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-04-07,Closed with explanation,Yes,No,CR1867798,716
2016-04-06,Bank account or service,Checking account,Problems caused by my funds being low,,"I got a notice about some unusual activity on an account that I set up for my younger brother to pay his expenses while in college, basically transferring all the money electronically to a different account through a program called XXXX. After confirming that it was n't initiated by my brother ( it was not ), I called and immediately asked for a hold to be placed. For this, I was charged {$30.00} which pushed the account into overdraft, but I was not worried, because I was assured the money would be returned in short order. Fast forward to 4 days, the transaction clears, to my incredulity, for which I was charged an additional overdraft fee. Furthermore, a number of transactions for very minimal accounts were in processing PRIOR to this transaction being posted and I was charged an overdraft fee for all of them. Finally, the bank decides to decline a transaction from paypal for {$9.00} and {$5.00}, respectively. I was charged a {$35.00} NSF fee for each transaction. As if this were not insulting enough, XXXX and the bank then proceeded to recharge, and return those transactions a stunning XXXX times, charging a {$35.00} fee on each occurrence. What should have been {$200.00} that remained in the account, taken out due to unusual activity that I immediately notified the bank to not process, instead resulted in a cascade effect in which not only is the {$200.00} gone, the account currently sits at a negative balance of {$610.00}, of which {$490.00} is solely due to XXXX and the bank attempting to collect the same {$9.00} and {$5.00} multiple times a day for multiple days, and then returning the payment and charging me, despite no permissions granted to do as much. Completely egregious and none of this should have ever happened 
",,Consent provided,Web,2016-04-06,Closed with monetary relief,Yes,No,CR1867080,2395
2016-04-06,Bank account or service,Checking account,"Account opening, closing, or management",,"I recently called BofA to inquire about a credit card payment. The representative who answered my called was asking me for the XXXX digit code number at the back of my debit card after giving out the my debit card information. This should be a cause for a concern. My debit card can be comprised because having giving out my debit card information and the XXXX digit code it can be used for something else. And BofA should stop doing this to its customers as a way of verifying their account. 
",,Consent provided,Web,2016-04-06,Closed with explanation,Yes,Yes,CR1866512,1760
2016-04-06,Bank account or service,Checking account,Problems caused by my funds being low,,"I was recently charged an extensive amount of Overdraft fees in the amount of {$100.00} and a monthly maintenance fee of {$12.00}, totalling {$120.00} in fees added to my checking account above. 

My account was originally overdrawn by Eagle National Bank on XXXX/XXXX/16 in the amount of {$12.00} for a monthly maintenance fee. Then subsequently you they allowed XXXX to charge to my account rather than declining it an additional XXXX on XXXX and XXXX on XXXX ( Resulting in additional overdraft fees totaling {$100.00} ). I was not aware of XXXX charging this amount to my account for a onetime credit report we pulled and have since cancelled and you will see a credit of XXXX on XXXX and still pending a credit from them for XXXX. 
",,Consent provided,Web,2016-04-06,Closed with monetary relief,Yes,No,CR1866564,3441
2016-04-06,Bank account or service,Checking account,Deposits and withdrawals,,"In XXXX XXXX, I went online and cancelled the {$25.00} automatic monthly scheduled transfer from my EN checking to savings account, but the bank made a mistake and started the transfer back up on XXXX XXXX, XXXX, without my authorization, charged me a {$35.00} overdraft fee because I did n't have {$25.00} to transfer in the first place, and left me with a negative - {$60.00} balance in my checking account. What kind of program do they have anyway that allows somebody to transfer negative checking account funds to a savings account to incur an overdraft fee on the checking account??? When I called today to complain about the transfer and fee, I asked when I supposedly reauthorized a transfer ( which I did n't ) and they could n't tell me the date, but said I was sent a low balance alert, which means nothing because I knew the balance was low anyway and I do n't have to maintain a minimum balance to avoid the monthly maintenance fee. Please make them put the {$35.00} they took from me back in my account because what they did was wrong. I am a XXXX on a very tight budget and it 's not fair that they are taking my money like this. I had to get a loan from my mom to cover the overdrawn checking account balance until this is resolved. You have my permission talk to her about this. 
",,Consent provided,Web,2016-04-06,Closed with monetary relief,Yes,No,CR1867387,3769
2016-04-06,Credit card,,Late fee,,"I have an account with AAA XXXX XXXX XXXX since XXXX. About a year ago I placed this account on auto-pay since I trusted them and this card had the best APR. In XXXX of XXXX ( XXXX ) I noticed late fees and started checking back into my account. I call Customer Service and they only returned XXXX of the late fees. The total still left on the account, when I checked XXXX/XXXX/XXXX, was {$310.00}. They were taking the payments out 2 day after the due date. I did not ask for any specific ic date of the month ; only requested auto pay. 
I called several time to address this issue and ask for return of late fees. Dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ( XXXX late fees returned ), XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I spoke with XXXX XXXX who opened a case # XXXX which would ( per his supervisor ) research and return ALL late fees. He also said someone would call me about this case. On XXXX/XXXX/XXXX I was told the case was still under review. As of today no further refunds have been made to my account and no one has called me back. 
",Older American,Consent provided,Web,2016-04-08,Closed with monetary relief,Yes,Yes,CR1867851,2266
2016-04-06,Credit card,,Billing disputes,,"On XXXX/XXXX/XXXX, I closed my account with Eagle National Bank 's XXXX credit card. After paying my final bill, I was left with a balance of - {$35.00}. I phoned EN and was informed that I would receive the balance owed me by check. 
In XXXX, I received a new "" bill '' statement with an account balance of - {$27.00}. EN had passed through a new charge to my closed account on XXXX/XXXX/XXXX, of {$7.00}. I phoned EN and was assured by them that the charge would be removed and I would receive a check for - {$35.00}. Instead of sending me a check for money owed, EN continued to send me a monthly bill statements, each showing an account balance of - {$35.00}. 
That is until XXXX, when I received a bill statement from EN indicating that my account balance had been reduced to - {$5.00}. On XXXX/XXXX/XXXX, EN had passed through a charge on my long-closed account.. I phoned EN for an explanation about this charge and why I still had not received the balance owed me. I was told it was an old charge. This was clearly not true. The XXXX XXXX - XXXX XXXX, XXXX statement shows a "" Transaction Date '' of XXXX and "" Posting Date '' of XXXX. Subsequently, I received a check for {$5.00}, dated XXXX XXXX, XXXX. 
On XXXX XXXX, XXXX, I received another Account Balance from EN : "" You have a new e-Bill from Eagle National Bank Credit Card - Elite Rewards. '' Given this history with EN, which apparently has yet to completely close my account, I am worried about fraudulent use of my long-ago closed EN XXXX account. 

How I can be made whole : 1- EN should pay me the full balance owed of {$35.00}. 
2- EN must completely close my account. I should receive proof in writing of that action. 
3- CFPB should consider investigating EN for improper ( if not fraudulent ) billing practices. 
",Older American,Consent provided,Web,2016-04-06,Closed with explanation,Yes,No,CR1867797,3806
2016-04-06,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-04-06,Closed with explanation,Yes,Yes,CR1867994,745
2016-04-06,Credit card,,Billing disputes,,,Older American,Other,Web,2016-04-06,Closed with explanation,Yes,No,CR1867879,3728
2016-04-06,Credit card,,Other,,,,Consent not provided,Web,2016-04-06,Closed with explanation,Yes,No,CR1866226,581
2016-04-06,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-04-06,Closed with explanation,Yes,Yes,CR1867733,4758
2016-04-06,Credit card,,Other,,,,Consent not provided,Web,2016-04-06,Closed with explanation,Yes,No,CR1866341,1737
2016-04-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-04-06,Closed with explanation,Yes,No,CR1867001,1884
2016-04-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-04-06,Closed with monetary relief,Yes,No,CR1867194,266
2016-04-06,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2016-04-06,Closed with explanation,Yes,No,CR1867719,1086
2016-04-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-04-06,Closed with explanation,Yes,Yes,CR1866334,1901
2016-04-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-04-11,Closed with explanation,Yes,No,CR1867404,3107
2016-04-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-04-13,Closed with monetary relief,Yes,No,CR1866382,4795
2016-04-05,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank closed my accounts without noticing me. I checked all credit reports and could not find any negative information. Now i have a XXXX. I have to spend a lot of time to open new accounts and transfer everything. It causes me huge problems. 
",,Consent provided,Web,2016-04-05,Closed with explanation,Yes,No,CR1863901,1228
2016-04-05,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited from my XXXX checks from XXXX I see weekly with my Eagle National Bank small business banking account ending in XXXX on XX/XX/XXXX. The bank has now placed a hold on all these checks since that time. I have consistently deposited checks over the past several years with Eagle National Bank. As a XXXX with a XXXX, I rely on having money and checks deposited in my accounted and credited in a timely fashion. No reasonable explanation has been provided to me by the bank at this time. 
",,Consent provided,Web,2016-04-05,Closed with explanation,Yes,No,CR1864413,790
2016-04-05,Bank account or service,Checking account,Using a debit or ATM card,,"I tried to use my debit card at an ATM on XX/XX/XXXX so that I could pay for lunch for my family. For some reason, this locked my ATM card. I spent an hour on the phone trying to get a hold of a Fraud Specialist but I never got through. I have sent emails and tried multiple times since XX/XX/XXXX Sunday to reach a representative but have never gotten past the 'hold music ' -- I have also not received a response email from XXXXXXXXXXXX - which is the email they suggested I use. I need my card unlocked. Eagle National Bank has a flawed system! 
",,Consent provided,Web,2016-04-05,Closed with explanation,Yes,No,CR1865099,280
2016-04-05,Bank account or service,Checking account,Deposits and withdrawals,,"My account was charged a levy fee but I do n't owe anyone money. I only receive {$310.00} each month to live. This fee and overdraft fees along with extended overdraft fees have caused severe hardship. 
","Older American, Servicemember",Consent provided,Web,2016-04-05,Closed with monetary relief,Yes,No,CR1862349,6275
2016-04-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"On XXXX XXXX I went to a Eagle National Bank branch in XXXX, Oregon to order new checks from the bank manager XXXX XXXX. On XXXX XXXX I ran out checks and I still did not receive my new checks. I called the customer service to inquire, they said no checks were ordered on XXXX XXXX. I was disappointed and went to ask the manager why he did not order the checks and told him he lied to me. He insisted that he ordered them, we had an argument and suddenly he said "" Do you want to hit me? We can settle this outside if you want! '' I was surprised a bank manager would threaten a customer. I ask him to give me the name and tel # of his superior, he angrily tossed a business card of XXXX XXXX, Senior Vice President, Operations Market Manager. I called this person and complained to him what kind of maltreatment I received from XXXX XXXX. He said he would call him and get back to me, he never called me back. I called another operations manager, XXXX XXXX XXXX and also complained to her, she also did not call me back. I believe they are covering up for their fellow co-worker. I have been a Eagle National Bank customer since 1968 and I never experienced such humiliation and verbal abuse from a bank manager. This person definitely needs an anger management counseling. Contact info re : these bank officials : 1. XXXX XXXX, Financial Center XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX ; tel ( XXXX ) XXXX ext XXXX ; fax- ( XXXX ) XXXX ; email : XXXXXXXXXXXX 2. XXXX XXXX, Senior Vice President, Operations Market Manager,XXXX XXXX XXXX, XXXX XXXX , XXXX ; tel ( XXXX ) XXXX ; fax ( XXXX ) XXXX ; Cell ( XXXX ) XXXX : 3. XXXX XXXX XXXX, Senior Vice President, Operations Market Manager, XXXX XXXX XXXX, XXXX XXXX, XXXX ; tel ( XXXX ) XXXX ; email : XXXXXXXXXXXX 
",Older American,Consent provided,Web,2016-04-06,Closed with explanation,Yes,No,CR1864324,3141
2016-04-05,Bank account or service,Checking account,Problems caused by my funds being low,,"On XXXX/XXXX/2016 I was charged XXXX {$35.00} fees for XXXX bounced checks. The checks were or {$5.00}, {$10.00}, {$10.00}, and {$50.00}. I called to see if they could assist on removing the XXXX smaller ones, those XXXX checks do not even total XXXX of the XXXX overdraft fees. i was advised they could remove XXXX. I asked to speak to a supervisor, I asked him the same question and was advised if it was a bank issue he could refund all of them but due to it being my bookkeeping issue there was nothing he could do about it. The man was hastly and unconcerned about the situation. 
",,Consent provided,Web,2016-04-05,Closed with monetary relief,Yes,No,CR1865933,2372
2016-04-05,Credit card,,Delinquent account,,"Constant calls concerning credit account which is a debt resolution program. Phone nmber calling from - XXXX XXXX XXXX 
",,Consent provided,Web,2016-04-05,Closed with non-monetary relief,Yes,No,CR1865848,847
2016-04-05,Credit card,,Billing disputes,,"I worked for XXXX XXXX for 14 years ( XX/XX/XXXX-XX/XX/XXXX ). I used my Eagle National Bankn/XXXX XXXX credit card for both personal and corporate charges. All charges were reconciled monthly and paid accordingly. If it was a company charge, the company paid directly to Eagle National Bank. 
If it was a personal charge, I paid for it personally. 
In XX/XX/XXXX and for the previous 3 years, I was the XXXX of XXXX for XXXX. 
XX/XX/XXXX, the company was forced to close due to XXXX of the partners actions. 
Eagle National Bank filed a lawsuit against XXXX for charges made to my Eagle National Bank card. These charges that were made BY XXXX. XXXX was not able to pay the charges at that time. Eagle National Bank then came after me personally - almost 4 years later and they slapped me with charges of approx $ XXXX plus fees I continued to pay my personal charges monthly until XX/XX/XXXX, when they did this and would not budge. 
I called and emailed and talked with Eagle National Bank, their attorneys, customer service agents, special agents, etc ... ..no resolve. I have sent my enclosed documents countless times. 
It has been 7 years and I need help XXXX had strict policy/procedure how to manage expenses. We had XXXX employees. Many who traveled all over the world and had the same abilities to use personal credit cards for company expenses, and have them paid monthly by the same process - of which is detailed in my attachment. 
NOT ONLY did they do this to me, they did this to XXXX XXXX for approx $ XXXX documentation also attached. 
I need this removed from my credit. I need to be treated fairly - I need my credit to be back to what it once was. 
Please let me know what i can do to help you help me.",Older American,Consent provided,Web,2016-04-05,Closed with explanation,Yes,No,CR1865236,843
2016-04-05,Credit card,,Billing disputes,,"I worked XXXX for 14 years ( XXXX ). I used my Eagle National BanknXXXX credit card for both personal and corporate charges. All charges were reconciled monthly and paid accordingly. If it was a company charge, the company paid directly to Eagle National Bank. 
If it was a personal charge, I paid for it personally. 
In XXXX and for the previous 3 years, I was XXXX. 
In XXXX of XXXX, the company was forced to close due to XXXX the partners actions. 
Eagle National Bank filed a lawsuit against XXXX for charges made to my Eagle National Bank card. These charges that were made XXXX XXXX. XXXX was not able to pay the charges at that time. Eagle National Bank then came after me personally - almost 4 years later and they slapped me with charges of over {$110000.00} plus fees I continued to pay my personal charges monthly until XXXX, when they did this and would not budge. 
I lost my career, mother of XXXX, wife of a XXXX. Eagle National Bank said they would remove the charge, but the would have to write it off as income to me and issue a XXXX. Clearly, I can not afford that nor the tax implications - this was not my responsibility. I explained to the Eagle National Bank attorney that if they did this, it would force me to declare bankruptcy ... ..they said they certainly did not want to do that ... .... 
I called and emailed and talked with Eagle National Bank, their attorneys, customer service agents, special agents, etc ... ..no resolve. I have sent my enclosed documents countless times. 
It has been 7 years. My husband and I are trying to obtain a loan to build a home for our family. We are not able to because of my credit due to this situation. 
I ask for help. 
Our company had strict policy/procedure how to manage expenses. We had XXXX employees. Many who traveled all over the world and had the same abilities to use personal credit cards for company expenses, and have them paid monthly by the same process - of which is detailed in my attachment. 
NOT ONLY did they do this to me, they did this to XXXX XXXX for approx $ XXXX documentation also attached. 
I need this removed from my credit. I need to be treated fairly - I need my credit to be back to what it once was. 
Please let me know what i can do to help you help me.",,Consent provided,Web,2016-04-05,Closed with explanation,Yes,No,CR1865744,3277
2016-04-05,Credit card,,Billing disputes,,"On XXXX XXXX, 2016 I went into a Target store in XXXX, California. I was on my way to give a speech and stopped at this store to buy some things. XXXX is an overwhelmingly minority community. I made XXXX purchases. 1 ) XXXX packages of alkaline batteries for {$31.00}. 2 ) A XXXX camera for my wife for {$210.00}. XXXX XXXX initially declined the charge. I respeat, XXXX is an overwhelmingly minority community. I immediately reached XXXX by phone and answered questions. They ultimately approved the charge. While I was waiting for XXXX to approve that charge, I gave the clerk my Eagle National Bank ( BofA ) credit card and asked her to charge the batteries on that. That charge was also initially denied. In talking to BofA they said they wanted to make sure it was not a fraudulent charge and BofA approved the charge, which I thought was only for the batteries. However, she apparently accidentally also charged the {$210.00} camera on that. When I saw that, she agreed to back out the BofA charge. For reasons unknown to me, the charge was not reversed and I have now paid for the camera twice. Somewhere along the line, BofA cancelled by crredit card and said they would send me a new one, which they did, several days later. When I later went online to challenge the charge, all the form would let me do was call the charge a fraud. There is no space for mistake or accident. I 've now had SEVERAL phone contacts with BofA telling them what happened and said to not pay XXXX for this charge since they had already been paid on my XXXX card. I never challenged the batteries, only the camera. The last contact was just a few days ago. After again, explaining this to the BofA representative, I told here I would gladly pay for the batteries. After questioning her closely, she said there had not been a {$210.00} charge on my BofA credit card. I said, if that 's the case, then I 'd drop my challenge since, according tohere, there was nothing to challenge. TODAY XXXX/XXXX/2016, I got a letter from BofA. It says a charge of {$210.00} was placed on my credit card account because I agreed to assume responsibility for it which I NEVER DID. The good news is that, no doubt, BofA has recordings of all this which will prove my point, most especially the last contact a few days ago. That woman was either incompetent or untruthful. I now want BofA to eliminates this charge once and for all. 
",Older American,Consent provided,Web,2016-04-06,Closed with explanation,Yes,No,CR1864929,9456
2016-04-05,Credit card,,Unsolicited issuance of credit card,,"Received an unsolicited BankAmericard reward card. 
",Older American,Consent provided,Web,2016-04-05,Closed with explanation,Yes,No,CR1862795,901
2016-04-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-04-05,Closed with monetary relief,Yes,No,CR1864306,4233
2016-04-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Extremely long wait to be attended through inside lobby. This happens every time I come to Eagle National Bank. Why do n't they just add more tellers from XX/XX/XXXX-XX/XX/XXXX. I get that everything is online now, but this wait time is disrespectful to the consumer. 
",,Consent provided,Web,2016-04-04,Closed with explanation,Yes,No,CR1862639,3093
2016-04-04,Bank account or service,Checking account,Using a debit or ATM card,,"From My bank account they took money from several ATMs and made several purcharses, their are not mine and the bank does not to make responsible. I put the claim but the bank is not responsible, I have as prove that I did not take that money. Can you help me? 
",,Consent provided,Web,2016-04-04,Closed with explanation,Yes,Yes,CR1863696,2954
2016-04-04,Bank account or service,Checking account,Deposits and withdrawals,,"This complaint is about Eagle National Bank, location address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, on XXXX XXXX, 2015 I deposited a check into my checking account at the drive-up ATM in the amount of {$200.00} from XXXX XXXX. Eagle National Bank took the money out my account within a week. XXXX XXXX states that the check was cashed by Eagle National Bank on XXXX XXXX, 2015 and has faxed a copy of the signed check to different workers numerous times on several different days. Its been three months and Eagle National Bank will not give me my money. 
",,Consent provided,Web,2016-04-04,Closed with explanation,Yes,Yes,CR1863400,4558
2016-04-04,Credit card,,Billing disputes,,"Eagle National Bank refuses to comply with the Fair Credit Billing Act. 

I mailed a credit card dispute letter to Eagle National Bank. They told me in writing that they got my dispute letter on XXXX.They rejected my dispute and charged my account on XXXX. This is more than XXXX billing cycles. This is more than 90 days. My billing cycle date is the XXXX. 

The nature of my dispute was Billing Error. I demanded clarification. I did not receive clarification. 
",Older American,Consent provided,Web,2016-04-04,Closed with monetary relief,Yes,No,CR1861834,4565
2016-04-04,Credit card,,Late fee,,"FIA card service charges retroactive interest. For example, if I spend {$100.00} in XX/XX/XXXX, and payment for that is due on XXXX XXXX. If I pay on XXXX XXXX, I 'm charged for 13 days of interest, rather than one day of interest. Paying three days late therefore comes to an annualized rate of ~140 %. It 's disgustingly predatory. 
",,Consent provided,Web,2016-04-04,Closed with monetary relief,Yes,No,CR1862585,6644
2016-04-04,Credit card,,Application processing delay,,"On Saturday XXXX XXXX 2016, I went on-line to transfer $ from my EN savings a/c to pay the O/S balance on my EN CC. The payment amount immediately was deducted from my savings a/c, but 2 days later still has not been credited to my CC ... .effectively denying me the use of the at money for 2 days. This appears to be a standard practice of EN, and if applied to all payments, could involve huge sums. EN effectively is using our money, ( overnight money market? ) without our approval. Do all banks do this? 
",Older American,Consent provided,Web,2016-04-04,Closed with explanation,Yes,Yes,CR1863391,618
2016-04-04,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-04-04,Closed with explanation,Yes,No,CR1863057,22
2016-04-03,Credit card,,Identity theft / Fraud / Embezzlement,,"As you may know, I am a victim of identity theft. I have called and called and called this merchant SEVERAL times. Every time I call, the hold time is at least a half hour to an hour. I keep getting different answers/responses and keep getting transferred around to different departments. I also end up speaking to someone who has terrible XXXX, which makes me feel that my issue is n't being reported/handled correctly since they can not understand me well. This card was opened in my name about three years ago without my permission. I call every couple months to see what the status is. I do not know what is going on or what the status is, but they are somehow not correctly or effortly assisting me with this. I called and disputed charges in the mean time as fraud since it is more difficult to have this credit card removed from my name. While I am waiting, there is still more and more charges occuring. Luckily, the bank has shut down the card about 10 months ago. Although somehow there are a couple of merchants still being able to charge my card. I have called a few months ago and advised them that I recently noticed an unauthorized large payment ( approx. {$9700.00} ) come out XXXX of my bank accounts. They still have not returned this money to me! How can a payment be taken out of my bank account when it is closed and the card was opened it without my permission? Furthermore, there was checking accounts that was opened with this bank in my name also without my permission and they 're now overdrawn. I reported that to them and they denied it. I am getting very upset because this is not my account and money was taken out of my checking account. The bank also contacted me asking me if I was trying to access my account at a time that I was n't, hence how I know someone is stealing my identity. I can not even access my account online to see anything. PLEASE RESOLVE THIS! Sadly, I can only trust my government more than my bank. This is not 0 % fraud liability as they always say!!! 
",,Consent provided,Web,2016-04-06,Closed with explanation,Yes,Yes,CR1861651,4461
2016-04-03,Credit card,,Closing/Cancelling account,,"I closed my business credit card with Eagle National Bank on XXXX XXXX due to multiple internal fraud issues ( with the bank or my vendors ). I no long had confidence in the service. I had a credit of about {$120.00} which I was told would be returned in 7 to 14 business days. It is now XX/XX/XXXX and despite multiple calls and requests, B of A has not refunded me my money. I posted to their XXXX site and a person attempted to call me a few times but I am traveling and busy, the status on the site now shows completed and resolved. I still do not have my money and am frustrated and do not have the time to continue pursuing this. 
",,Consent provided,Web,2016-04-04,Closed with explanation,Yes,No,CR1862103,2165
2016-04-03,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-04-03,Closed with monetary relief,Yes,No,CR1861767,3528
2016-04-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-04-04,Closed with explanation,Yes,Yes,CR1861555,1350
2016-04-02,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened the Checking Account with BofA on XXXX/XXXX/XXXX with the {$100.00} bonus offer. The bonus offer was confirmed by the BofA banker at the time of account opening and I also received a letter after around 1.5 months of account opening that I have completed XXXX XXXX conditions of getting the bonus and only XXXX condition is left, which was also satisfied by XXXX XXXX XXXX as per the conditions. I approached the banker regarding my bonus after XX/XX/XXXX and the banker confirmed my fulfillment of all the conditions for receiving the bonus and he initiated my bonus credit process and told me that I will receive it in sometime. After that I have been regularly following up with the bank, they always say that they are investigating however I am not getting a satisfying response and no bonus thus so far. One day I was surprised to hear from the Branch Manager that the banker who opened my account did a mistake telling me that I was eligible for the bonus and refused to honor my bonus even though he agreed it was their banker 's fault and he also told me that I can go ahead and close my account if I want to do so, which was very dissatisfying and depressing. I read online they make such offers, and mostly try not to honor them. Supposedly, BofA is infamous for this. This seems fraudulent and deceptive. Now I am left with no option, hence reaching out to you expecting justice. 
",,Consent provided,Web,2016-04-02,Closed with monetary relief,Yes,No,CR1861601,4245
2016-04-02,Bank account or service,Checking account,"Account opening, closing, or management",,"In 2012 I was contacted by Eagle National Bank & the IRS indicating that I was being held responsible for an uncollected debt. That debt about of {$2800.00} was sent to the IRS and as a discharged debt for account # XXXX at Eagle National Bank. The IRS took the discharged debt as income for the 2012 tax year. Since then, I have provided the IRS will all the documentation showing that debt was n't discharged, it was a checking account that was turned over to attorney 's and I was sued for the entire amount which was paid in full. I provided all the documentation showing the account number, the amount and the attorneys that I paid the debt off to. They even provided a letter a satisfaction when the debt was paid in full. I made several attempts to provide this letter to the IRS ; however, I was advised to handle the matter with Eagle National Bank so they can notify the IRS of the Error. I have made several attempts for Eagle National Bank to correct the situation however they are n't owning up to their inaccuracies. 
",,Consent provided,Web,2016-04-02,Closed with explanation,Yes,Yes,CR1861594,392
2016-04-02,Credit card,,Delinquent account,,"In XXXX, Eagle National Bank errouneously debited our checking account prior to the due date, and cause our accounts to overdraft, and they ended up charging us off for a MISSED PAYMENT. EN messed up. EN REFUNDED overdraft fees that incurred in our personal checking. EN was supposed to refund payment. EN only refunded payment AFTER the payment DUE DATE of XXXX/XXXX/XXXX. EN then continued to take AUTOMATIC DEBIT withdrawls on the last day of the month until the account was paid in full. However, they also charged us off due to the missed XXXX XXXX payment, which EN refunded AFTER the due date. We complained CRA 's. Eagle National Bank "" verifies '' info and CRA says they cant update without permission from credit grantor. We complained to the XXXX in XX/XX/XXXX, at which point Eagle National Bank responded on XXXX/XXXX/XXXX saying the info was correct. They had many facts misrepresented, and the author of the letter, XXXX XXXX, HAS NEVER RETURNED A SINGLE PHONE CALL although she states we can contact her to discuss any issues AND XXXX XXXX says "" EN does not manage my credit report '' and that they cant fix it. XXXX XXXX also says we were "" pleased with the outcome ''! I have attached the phone records showing our conversations, and I have attached the bank records showing that the refunded was provided to us AFTER the XXXX/XXXX/XXXX due date, which means they posted in XXXX XXXX. Eagle National Bank has completely ignored the 50+ attempts since XX/XX/XXXX that we have made to get this resolved. XXXX XXXX says we can contact her yet she has never returned a single phone call ( she states to call her in the letter ). WE NEED HELP and WE EXPECT someone to review the REAL FACTS of this issue. Once reviewed, we expect Eagle National Bank to contact all CRA 's and to have them update our account to 100 % paid as agree and on-time. THE CHARGE-OFF should be removed. This is the final notice prior to legal action being filed. Thank you for your help. ALL FACTS ARE ATTACHED INCLUDING the "" Master Dispute '' which contains over XXXX of documented evidence proving EN 's failures to rectify this situation.",,Consent provided,Web,2016-04-02,Closed with explanation,Yes,No,CR1861994,2548
2016-04-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-04-02,Closed with explanation,Yes,Yes,CR1860453,1693
2016-04-01,Bank account or service,Checking account,"Account opening, closing, or management",,"I had an account with Eagle National Bank for about a year. Up until recently it was closed due to the fact that it was overdrawn for about for months or so. The overdraft amount was XXXX and some change. Which all amounted, from thier overdraft fees which they kept adding for returned transactions. Now I 'm not at all denying the fact I have transactions that were returned due to insuffcient funds. However the reason the account was closed was simply due to the extented overdraft fees that EN charged, which amounted XXXX. I refuse to allow them to falsly accused me of abusing an account. Which now un allows me to open any other accounts. I also had a savings account with them as well, they also reported that I abused that account simply because I did not put XXXX into that account within 4 months. I absolutely can not believe that this bank is allowed to do this! I accept my responbility in this matter. However I will not allow this bank to degrade my charater, simply because they closed my account, because of thier extended fees along with my returned tranactions. 
",,Consent provided,Web,2016-04-01,Closed with explanation,Yes,Yes,CR1860681,437
2016-04-01,Bank account or service,Checking account,"Account opening, closing, or management",,"My Ex Girl friend had trouble talking to Eagle National Bank I got on the phone to help her I 'm not a user on the Account. 
I had an Account with Eagle National Bank and they misappropriated funds that is how they got my information 
",Older American,Consent provided,Web,2016-04-01,Closed with non-monetary relief,Yes,No,CR1860205,2247
2016-04-01,Bank account or service,Checking account,Deposits and withdrawals,,"Talked to Eagle National Bank representatives on XX/XX/2016 about refund of bank withdrawal on XX/XX/2016. It is XX/XX/XXXX, more than forty days have passed, they have not returned the XXXX $ back to my account. 
",,Consent provided,Web,2016-04-01,Closed with monetary relief,Yes,No,CR1860894,1676
2016-04-01,Bank account or service,Checking account,"Account opening, closing, or management",,"while travelling my accounts at Eagle National Bank were closed. 

No reason was given. 

Uncertain if the rest of money will be returned. Luckily i had stopped using the account and had transferred most out of it because the atm card kept having difficulty while travelling. 

There was less than {$1000.00} in the account, however I worry about my reputation on credit reporting agencies reports since they noted in their letter they could report to XXXX about account closure. Can you help clarify this problem, never bounced check, had no problems except someone deposited a check while my husband and were overseas but the bank accepted it even though they put wrong address on deposit slip and it was deposited out of state. That happened over 3 months ago and we thought the matter was settled. 

XXXX XXXX 
",,Consent provided,Web,2016-04-01,Closed with explanation,Yes,Yes,CR1861238,2707
2016-04-01,Credit card,,Identity theft / Fraud / Embezzlement,,"Eagle National Bank allowed a credit card account to be opened back in 2004 using my son 's social security number. My son was only XXXX at the time and it has been open for 12 years now. Last week we went to our local Eagle National Bank branch to open a checking account in his name and the personal banker informed us that his social security number was already being used on an existing Eagle National Bank account. The personal banker said he would investigate and get back to us. We never heard anything back from Eagle National Bank and had to call today in order to get more details. This is when we learned the account has been opened for 12 years and it was still active. Beyond this they have offered no additional help. How can they have done their Customer Due Diligence and Know Your Customer procedures when they allow an account to be opened with a child 's social security number? Furthermore, they have offered no additional assistance or details in getting this issue resolved. 
",,Consent provided,Web,2016-04-01,Closed with non-monetary relief,Yes,No,CR1859925,766
2016-04-01,Credit card,,Rewards,,"I had a XXXX XXXX American Express card. I was never late paying the account and never exceeded the credit limit. XXXX chose to close my account without warning. The cash back I had earned was confiscated. XXXX can close my account but the rewards from my account should be paid to me. 
",,Consent provided,Web,2016-04-20,Closed with explanation,Yes,No,CR1858856,2088
2016-04-01,Credit card,,Advertising and marketing,,"I opened a Spirit Airlines credit card ( Eagle National Bank ) while being promised free miles. I received only a fraction of the miles promised. 
I was charged an annual fee and called asking them to cancel the fee since they did not deliver on their part of the contract. They refused to cancel it. 
",,Consent provided,Web,2016-04-01,Closed with explanation,Yes,No,CR1859192,10159
2016-04-01,Credit card,,Delinquent account,,"In XXXX and XXXX I went through XXXX XXXX hardship due to my spouce lossing her job and while I wait for a decision on XXXX. I have been unable to work full time since 2012. I was XXXX payment behind of my Eagle National Bank credit Card. I recived a letter stateing they wanted to help me catch up so I called ( this was at the end of XXXX ) I signed up for a program allowing me to pay XXXX dollers a month which would have been very reachable for me while I wait for a answer. I was told they would not review my information for the program untill I made a payment so they set a payment to be taken out on XXXX XXXX. I noticed that the XXXX had passed and it had not been taken out and I had recived a few calls. I called them on XXXX XXXX and it seemed none knew anything about me signing up for the program. After looking into it they said the payment was denided ( had plenty of money ). I repaid that same day XXXX XXXX. 10 minutes later I got a call from EN and had to go through the whole thing again. Weeks went by and I started to recive phone calls so I called back again. Once again they were not aware of me enrolling and I had to tell them everything again. The agent said it was still pending becouse they needed additional information and that they only call 2 times and leave no message. I was then told that the interest and late fees would continue to collect. around a week later ( not sure of the time line ) I recived a call from the agent that called me 10 minutes after I paid on XXXX XXXX and he had taken this to his manager and was clearly frustrated as well and told me that that agent could have helped me complete this. 30 days or so had gone by and it was XXXX and I was informed I am XXXX payments behind ( was only XXXX ) and my min due was XXXX and it was roughly XXXX or so at the time I signed up for the program. I tried to call recently to find out how much I owed and the agent couldnt give me a solid answer so I am unsure why they are saying I am XXXX payments behind and how much I owed when I made the payment on XXXX XXXX. 
",,Consent provided,Web,2016-04-01,Closed with explanation,Yes,No,CR1861064,9546
2016-04-01,Credit card,,Other,,"In XXXX of 2014, I noticed approximately a {$13000.00} credit on my credit card with Eagle National Bank. I called the bank to inquire what it was about, and I was told it was a refund for them overcharging me for interest paid while I was covered under the Servicemember 's Civil Relief Act ( I 'm in the military ). Unbeknownst to me, they issued a XXXX, which caused the IRS to send me a XXXX Notice saying I owe over {$2500.00} in taxes and interest. Being that this is a refund for overcharged interest, they issued an erroneous XXXX, which the interest that I would have paid originally was post-tax income. After searching the internet, I have found numerous other military personnel whom this has affected. 
",Servicemember,Consent provided,Web,2016-04-01,Closed with explanation,Yes,No,CR1859938,4674
2016-04-01,Credit card,,Billing statement,,"The last few ( at least XXXX ) statements for my Eagle National Bank credit card have not shown the balances subject to various promotional balance transfer offers that I have taken advantage of. I had this same problem in 2015, and the problem was corrected on a few statements. But now the error has returned. When this happened last year Eagle National Bank took months to resolve the issue and did n't seem to care that they were sending out XXXX incorrect statements. The person assigned to handle my case often did not return calls and was basically useless. A perfect example of a "" too big to fail '' bank that does n't care about their customers. 
",,Consent provided,Web,2016-04-01,Closed with explanation,Yes,No,CR1860169,4799
2016-04-01,Credit card,,Billing statement,,,,Consent not provided,Web,2016-04-01,Closed with explanation,Yes,Yes,CR1860455,2928
2016-04-01,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-04-01,Closed with explanation,Yes,Yes,CR1859970,4682
2016-04-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-04-01,Closed with monetary relief,Yes,No,CR1859883,4789
2016-04-01,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,Other,Web,2016-04-01,Closed with explanation,Yes,No,CR1860651,26
2016-04-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-04-02,Closed with monetary relief,Yes,No,CR1860639,883
2016-04-01,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-04-01,Closed with explanation,Yes,Yes,CR1861409,10
2016-03-31,Bank account or service,Checking account,"Account opening, closing, or management",,"I received a letter from Eagle National Bank on XXXX/XXXX/2016 that my account was being closed due to "" a careful review of your banking relationship ''. The letter had a number on it that was not listed on Eagle National Bank 's website. I called their customer service and asked if the letter was real and if my account was being closed and they said that no it was not and everything was fine. So I dropped the matter and did not think about it until on XXXX/XXXX/2016 I got a low balance below {$25.00} email from Eagle National Bank. I tried to log into my account online and it denied me access saying "" Their is no open account registered with this Username and Password ''. So i called customer service and a lady answer and said let me pull up your account. Then 5 seconds later said let me transfer you. She transferred me to a voice mail service where i could leave a message and someone would return my call. At this point I hung up and waited for the next day when I went to a branch to speak to someone. My mother who is also on the account went to the branch at "" XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, MD XXXX '' and asked to speak to someone and the branch manger walked me over to someone who pulled up my account and said, "" I ca n't talk to you '' and gave her a the number XXXX to call. I called the number where again i was sent to a voicemail system again. This time I left a message and gave my name, phone number and account number. I did not receive a phone call until I was at work on XXXX/XXXX/2016 and they left me a voice mail and said to call back at the same number that sends you to voice mail. I left another message and finally some one called me back later on XXXX/XXXX/2016. He said that my account was being closed. I explained how the customer service said my account was not being closed after receiving the letter and he said, "" We sent you a letter ''. Then he said that the money in the account would be mailed in the next couple of days and i would have to wait for the check. I have to wait and hope they send me my money from my account at this point since no one will talk to me at Eagle National Bank. 
",,Consent provided,Web,2016-03-31,Closed with explanation,Yes,No,CR1858544,563
2016-03-31,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I terminated payroll service with Eagle National Bank XXXX last year. This year they started changing my credit card again for the service which I am not using. I send them emails but they are unresponsive. 
",,Consent provided,Web,2016-03-31,Closed with explanation,Yes,No,CR1858541,3930
2016-03-31,Credit card,,Closing/Cancelling account,,"I was n't giving information to cancel or close account 
",,Consent provided,Web,2016-03-31,Closed with explanation,Yes,No,CR1859589,1066
2016-03-31,Credit card,,Billing disputes,,"In XXXX, 2016 I used my credit card with account number ending in XXXX to reserve a room at XXXX - XXXX for 7 days from XXXX through XXXX with the amount of {$450.00}. On XXXX/XXXX/2016 around XXXX When I arrived in the hotel, I immediately felt the need to change to another hotel due to unacceptable room conditions - TV not working, no hot water and filthy room environment. Around XXXX that evening, I informed the receptionist of my decision to end my stay early due to the unpleasant room situation. The room condition was so abhorrent to an extent that the receptionist had to apologize to me, reduce the rate and honor my decision. I then paid {$100.00} cash in full for XXXX nights and proceeded to book other hotels. 

I want to emphasize the fact that prior to my actions, I called EN Credit Card Customer Service and spoke with the representative who verified that the amount of {$450.00} did not appear on my credit card statement. EN representative further reassured me that this amount will NOT appear on the statement without XXXX swiping my card. With EN 's reassurance, I felt comfortable and protected to end my reservation with XXXX early and book other hotels. 

On XXXX/XXXX/2016, I found out that the charge of {$450.00} appeared on my credit card statement. I immediately called Eagle National Bank ( EN ), my banking and financing carrier, to file a dispute. 

On XXXX/XXXX/2016, EN received my inquiry and started researching my dispute. 

On XXXX/XXXX/2016, I received letters from EN in inquiry of me providing more information on my end to help continue their investigation. 

On XXXX/XXXX/2016, I called XXXX regarding the charge in dispute. The receptionist apologized to me again on behalf of their negligence and admitting to the fraudulent charge. The receptionist provided me with the payment documentation showing that I only stayed there for XXXX nights and paid the the fee cash in full. The receptionist also welcomes EN to call her directly for verification during the investigation process. 

On XXXX/XXXX/2016, I provided EN with my response that included my statement, payment documentation, my effort to resolve the dispute and testimony from the receptionist at XXXX. 

ON XXXX/XXXX/2016, I received a denial letter from EN denying my claim due to "" We ( EN ) did n't receive valid documentation to show that the charge ( s ) was paid by another means. '' On XXXX/XXXX/2016, I called EN to express my extreme dissatisfaction of their Credit Claims Department denying my legitimate claim. After carefully reviewing this claim as well as all the documentations I provided, EN representative acknowledged it 's a valid claim. Per my request, EN reactivated this claim. 

This continuing ordeal with EN makes me highly doubt EN 's ability to protect their customers. Even with valid payment documentations AND the merchant 's testimony admitting to the fraudulent charge, EN still denied my claim. I highly doubt that EN even exercised their due diligence and professional conduct to investigate this claim before they simply mailed me with the denied letter. 
",,Consent provided,Web,2016-03-31,Closed with explanation,Yes,No,CR1858322,2879
2016-03-31,Credit card,,Cash advance,,,,Consent not provided,Web,2016-03-31,Closed with monetary relief,Yes,No,CR1859272,3108
2016-03-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-03-31,Closed with explanation,Yes,Yes,CR1857269,5574
2016-03-30,Bank account or service,Checking account,Deposits and withdrawals,,"I put my settlement check in to Eagle National Bank and not once did they tell me my account was closing and they refusing to give me any response and have been giving the run around for three weeks with different lies. I been tryning to be patience but they are refusing to give me all my money and ca n't not give a reason for why its taking so long. Im still waiting for my money to this dayXXXX 
",,Consent provided,Web,2016-04-01,Closed with explanation,Yes,No,CR1855737,2118
2016-03-30,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-03-30,Closed with monetary relief,Yes,No,CR1856556,4424
2016-03-30,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-04-01,Closed with explanation,Yes,Yes,CR1856865,1778
2016-03-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-04-01,Closed with monetary relief,Yes,No,CR1857446,1242
2016-03-30,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-03-30,Closed with explanation,Yes,No,CR1856305,2739
2016-03-29,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I am filing this complaint against Eagle National Bank due to fraud. I obtained a Line of Credit against a property in XXXX 2008 in the amount of {$100000.00}. At closing, I was given XXXX disbursements payable to XXXX XXXX for {$10.00}, XXXX and {$8500.00} for a total of {$19.00}, XXXX. The CreditLine Balance on XXXX XXXX, 2008 was {$25000.00} plus closing fees of {$10.00} for a Total CreditLine Payoff amount for {$25000.00}. I have been making payments of almost {$300.00} a month since. I received a letter last month stating that my payments would be going up to an estimated {$840.00} a month for 180 months. I spoke with a friend of mine and told him that I only owed {$20000.00} on my line of credit and that I should have paid it off by now. He asked me to fax him my closing documents and called me back saying that I was paying on a {$100000.00} and not {$20000.00}. He told me to go immediately to a local Eagle National Bank Branch which I did. The woman at the bank said that she saw where I received {$19000.00}. I said that I did receive that but where was my other {$74000.00}. She said she did n't see any other disbursements listed. She then took me to another office where she called the fraud office for B of A. The lady on the phone told me that a forced advance transfer was conducted at a Eagle National Bank the same day of my closing. It was for {$74000.00}, check # XXXX at Eagle National Bank Plaza XXXX # XXXX. She gave XXXX fraud hotline numbers to call and file a complaint. I called and let them know what I found out which was XXXX XXXX and that money had been stolen from me years ago without my knowing it. I was just paying on it monthly without realizing. I received a letter via email 2 days later on XXXX XXXX saying that they conducted a thorough investigation of my claim and that Regulation Z provides a 60-day reporting period and that I waited too long. I did n't know but how can they just dismiss the fact that someone from the bank stole my money and that discrepancies in the paperwork was not caught by the auditing department or was not reported to the federal government. I know that many laws have been broken and because I have been paying monthly, makes this ongoing fraud. All I asked for was to find the money. I would like copies of documents used in the fraud/copies of all documents relating to my missing money, individuals involved, etc. from Eagle National Bank. I am a customer so how can they just dismiss me when there is {$74000.00} missing. Please send this on so that I can get some help. 

Thanks. 
",,Consent provided,Web,2016-03-29,Closed with explanation,No,Yes,CR1855267,1387
2016-03-29,Bank account or service,Checking account,"Account opening, closing, or management",,"I had an account closed due to a check that was written to me and they did n't have the funds. I paid the fees and was told I would be taken off of the XXXX. 3 years later they finally got around to getting that done, however, they did not tell me that they would keep me on the XXXX, which is owned by their institution. So I am still dealing with the same headache of not being able to open a checking account which is hindering my life and costing me a lot of money. I have tried appealing again to their fraud department with no luck. I do n't want an account with them, I just want to be able to move on with my life and they are preventing that. 
",,Consent provided,Web,2016-03-29,Closed with non-monetary relief,Yes,No,CR1853057,2142
2016-03-29,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a checking account with Eagle National Bank. When opening the account, the associate entered all of my correct information from my driver 's license. A few days later, I received an email notification that my debit card was on its way, but it was being sent to an address where I have never lived and/or been associated. I contacted the bank to ask them why/how this happened. They initially insisted that I had been a victim of fraud, but after showing them I had not, they started investigating on their end. They admitted that everything was processed correctly, but can not understand how the wrong address was then attached to my name. They 're calling it a "" system glitch. '' When I asked how I can be assured that it wo n't happen again, I was told that I need to carefully monitor my account myself because they ca n't promise me it wo n't happen again. 

I have since closed the account because all I get from them is head scratches and "" I do n't know how this could have happened. '' It 's ridiculous and I do n't trust that my account would be safe with them, no matter how many "" extra protections '' they have to put in place. 

They also reported this incorrect address to my credit bureaus but are doing nothing to correct the improper reporting. I am filing disputes with each bureau to have the incorrect information removed. 
",,Consent provided,Web,2016-03-29,Closed with explanation,Yes,Yes,CR1854968,1288
2016-03-29,Bank account or service,Checking account,"Account opening, closing, or management",,"My Eagle National Bank checking account which I 've had for over 15 years started charging me a $ XXXX/month service fee in XXXX of XXXX which I did n't notice until XXXX XXXX. I had never been charged a service fee before, so I did n't notice the fee until XXXX XXXX. I did n't see any notice that this account, which I had for over 15 years, was going to start charging me a monthly fee. This is a ridiculous fee when the interest returned on checking and savings accounts is almost nil today. 
",Older American,Consent provided,Web,2016-03-29,Closed with monetary relief,Yes,No,CR1854430,2185
2016-03-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"This had previously been added in my response to Case number : XXXX. 
I have just discovered, on XXXX/XXXX/XXXX, that the original case is now closed with no additional response. 
What follows is the text that was in that response which I submitted on XXXX/XXXX/XXXX at XXXX that has not been addressed. 
Note that since my complaint references my XXXX, I have now filed a companion XXXX complaint since I was not sure where the most appropriate place for filing was. 
As far as my secondary complaint, you are correct that there are other branches around. 
To be exact, there are XXXX in a XXXX mile radius of my zip code, each of those locations PREVIOUSLY had a Drive Up Window, where you could see a representative and ask a question if it was necessary to complete a transaction. 
However, at the same time you closed our branch, you eliminated ALL drive up windows at every one of those branches, there is now not a single drive up that is manned within, according to google, a 23 minute ride from my home, making a round trip at least 46 minutes, and probably much longer since there are no other drive up windows around. 
As someone who is XXXX, it 's very difficult for me to get in and out of your branches. 
If I have a question that needs to be asked, I now have no choice but to plan a 46 minute drive or park my car and then struggle to get into, and out of, your branch, this is made even more difficult by the fact that due to the serious XXXX XXXX that I suffer from, I must take XXXX to do anything, once taking those pills I can only travel locally, so making a 46 minute or longer, depending on the wait time, round trip would be next to impossible. 
I 'm sure others with XXXX would echo my sentiments on the closing of ALL of the Drive Up Windows in this area, the face behind those windows was, for many, the only human contact with the bank. 
This area was hit hard by hurricane sandy and company 's like EN, are not doing their part to help, instead what you are doing is causing more pain and inconvenience for those local residents, and businesses, already impacted by disaster. 
This seems strangely reminiscent of the redlining that took place XX/XX/XXXX and XX/XX/XXXX, when certain zip codes were deemed ineligible for lending purposes, only now we are deemed ineligible for a drive up window, yet in well-heeled areas like XXXX and XXXX, you have XXXX branches with Drive Up windows within XXXX miles of each other. 
As a company, you should be ashamed of yourselves. 
",Older American,Consent provided,Web,2016-03-29,Closed with explanation,Yes,Yes,CR1854782,4141
2016-03-29,Credit card,,Transaction issue,,"I purchased a product from XXXX in the amount of {$750.00} on XX/XX/2015. The product came highly suspiciously, all the logos had stickers covering the product. Some of the products did not work. I then contacted the company for them to send out replacements. They said they would but first I had to provide evidence the product was not functional. They only made available an email address to send a video. Email is limited to XXXX attachment and I complained to the merchant. They ignored me so I initiated a credit card dispute. Eagle National Bank was completely not a neutral party. First, they claim that the company not honoring the warranty does not apply to "" Not As Described '' and so they refused to initiate a dispute. I finally got them to accept the dispute, but they did n't apply it how I said to. Then, later, they demanded that I prove the product was defective by getting a third party opinion written on letterhead. When I claimed this was not possible and instead made and upload a youtube video with proof they said they were not going to accept video evidence. Finally, they said that I had to pay the $ XXXX to ship the product back to XXXX and that as long as I had the product they were not going to do any more on the dispute process. 
",,Consent provided,Web,2016-03-29,Closed with monetary relief,Yes,Yes,CR1855182,280
2016-03-29,Credit card,,Privacy,,"On XXXX/XXXX/2016 at XXXX XXXX at the XXXX, VA XXXX target store located at XXXX XXXX XXXX XXXX, XXXX, VA XXXX one of the cashiers on duty that night completed a target red card in my name and signed that application without my permission while I was paying for the items in the checkout line at the register. As well as she misrepresented the application and, at first, said it was for a target discount coupon card, then after there was a line of people waiting for she came around to the credit card swiper and signed my name without my permission. After I got the target card in the mail at my home address I then told target credit card fraud department about the issue but they did n't resolve the issue at all, do n't return my phone calls and sent me a bill for the credit card I never asked for as well. 
",,Consent provided,Web,2016-03-29,Closed with non-monetary relief,Yes,Yes,CR1855544,2147
2016-03-29,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Servicemember,Consent not provided,Web,2016-03-29,Closed with explanation,Yes,No,CR1852232,11286
2016-03-29,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-04-09,Closed with monetary relief,Yes,Yes,CR1854703,1025
2016-03-29,Bank account or service,Checking account,Using a debit or ATM card,,,,Other,Web,2016-03-29,Closed with monetary relief,Yes,Yes,CR1853614,573
2016-03-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-29,Closed with explanation,Yes,No,CR1853894,1621
2016-03-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I 'M A VET, I HAVE BEEN DISCRIMINATED BY Eagle National Bank AT XXXX SEPARATE BRANCH LOCATIONS. THE XXXX BRANCH IN XXXX XXXX WOULD NOT LET ME OPEN A BANK ACCOUNT AND DENIED THAT MY CHECK WAS MINE, EVEN THOUGH IT HAD MY NAME ON IT AND I HAD PROPER ID, IT WAS FROM MY LAWYER OFFICE THAT BANKS WITH THAT BANK. I WENT OUT OF TOWN AND CAME BACK TO A CLOSED CHECKING ACCOUNT {$9.00} OVER FEE, WHICH I PAID AND WENT TO THE XXXX AT XXXX XXXX XXXX XXXX BRANCH TO REOPEN MY NEW CHECKING ACCOUNT. I SHOWED THE PROPER ID I USED TO OPEN MY ACCOUNT AT THE XXXX BRANCH, AND THEY DENIED ME THE OPPORTUNITY TO OPEN AN ACCOUNT AGAIN EVEN THOUGH I HAD AN EXISTING SAVINGS ACCOUNT OPEN AT THE TIME. I EVEN HAD THE PACKET THEY GAVE ME AND THEY STILL WOULD NOT ALLOW ME TO OPEN A CHECKING ACCOUNT WITH MY IDS. I BECAME SO FRUSTRATED, I CLOSED THE SAVINGS ACCOUNT. THE XXXX AT XXXX XXXX XXXX BRANCH DENIED CASHING MY CHECK FROM MY LAWYERS OFFICE FROM THE SAME BANK WITH PROPER IDS, STATING XXXX NO PROPER ID THERE SAYING I HAVE NO ACCOUNT EVEN THOUGH THE CHECK IS FROM THERE BANK. I WEN T BACK TO THE XXXX XXXX XXXX BRANCH TO CASH MY CHECK AGAIN IN MY NEW OPEN ACCOUNT FROM ANOTHER BRANCH, I WAS TOLD BY THE MAGR THAT NOW MY CHECK WAS A ISSUED ... I BELIEVE I WAS RACIALLY DISCRIMINATED AGAINST BECAUSE OF HOW I WAS TREATED, FOR DEALING ME ACCOUNT EVEN WITH PROPER IDS, AND DENYING CASHING A CHECK ISSUED BY THEIR BANK. MILITARY IDS CAN BE USED AS PRIMARY ID 
",Servicemember,Consent provided,Web,2016-03-28,Closed with explanation,Yes,No,CR1853605,2790
2016-03-28,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited my XXXX distribution check as I have retired. The amount was XXXX. I deposited the check on XXXX XXXX. Eagle National Bank released XXXX on XXXX XXXX. They are holding the remaining XXXX in till XXXX XXXX. I have called and asked them to please release some of the money and they refused. They asked me why I needed the money and what did I do with the XXXX. This money is mine and they were very rude asking personal questions. I do n't understand why it takes XXXX business days to release MY money. I need the money and they treated me like I was a welfare recipient and I wanted something for free. 
",,Consent provided,Web,2016-03-28,Closed with explanation,Yes,No,CR1853176,4431
2016-03-28,Bank account or service,Checking account,Problems caused by my funds being low,,"I was charged on a XXXX NSF fee because my account was overdrawn {$0.00} cent due the Eagle National Bank moving the {$0.00} to the other account from the Keep the Change program. When I called into the Bank on XXXX XXXX I spoke with a lady and she said that I will reverse the XXXX fee because the amount was less than {$1.00} and due to the system being slow the refund should credit my account by XXXX. But XXXX had came and gone and the funds had not credited my account. I called back and used the chat system to inquiry about the funds and was then told that I would not get a fee reversal even though the fee was caused by an amount less than XXXX 
",,Consent provided,Web,2016-03-28,Closed with monetary relief,Yes,No,CR1852816,13750
2016-03-28,Bank account or service,Checking account,Deposits and withdrawals,,"This is in reference to my ongoing dispute with Eagle National Bank case number XXXX. A resolution specialist named XXXX left me a voicemail to return her call. On XX/XX/2016, I left her XXXX voicemails before she returned my call. She said she will "" INVESTIGATE '' and she will call me back on XX/XX/2016 which she never did. During the conversation, I asked her for written correspondence instead for her "" findings '' and SHE REFUSED. She refused to mail, email or fax as a form of correspondence, she said she will call, maybe to avoid incriminating herself in writing. She attached a document, a letter dated XX/XX/2016 a letter which was supposedly have been mailed to me which I have never received. Today is XX/XX/2016, and I presume that letter was written and attached to my ongoing case for the sole purpose of showing she "" responded ''. 
",,Consent provided,Web,2016-03-28,Closed with monetary relief,Yes,No,CR1852502,1106
2016-03-28,Credit card,,Billing disputes,,"I was charged interest on my Visa credit card by the Eagle National Bank on money I had already paid them back. 
",Older American,Consent provided,Web,2016-03-28,Closed with monetary relief,Yes,No,CR1852349,2791
2016-03-28,Credit card,,Billing disputes,,"My payment on my credit card was received by Eagle National Bank 4 days after the due date, generating a late fee as well as interest. The interest charged to me was an overcharge. In the next month, another interest payment was assessed to me. This was incorrectly charged. Eagle National Bank was unable to specify what that interest charge pertained to. With respect to that month, our bill was timely paid early and in full, plus a large overpayment. Our overpayment to Eagle National Bank occurred because its bill was incorrect because it failed to credit our previous month 's payment, continuing to bill it as a charge still due. So we paid the previous month 's bill twice. Interest was then assessed, twice, on entirely wrong amounts, none of which were owed. 
",,Consent provided,Web,2016-03-28,Closed with monetary relief,Yes,No,CR1851782,2351
2016-03-28,Credit card,,Identity theft / Fraud / Embezzlement,,"Nordstrom FSB has posted a delinquent charge on my credit report. In XXXX 2011, someone fraudulently opened a Nordstrom FSB credit card in my name and charged {$720.00}. I called Nordstrom FSB, sent them my actual information to show them my current address, phone number, the date I have lived at the current residence. They advised me they would cancel the account and close it as being fraudulent. They never closed the account and it is still listed as open on my credit report. I need them to close the account and list it as fraudulent. 
",Servicemember,Consent provided,Web,2016-03-28,Closed with non-monetary relief,Yes,No,CR1852883,671
2016-03-28,Credit card,,Credit determination,,,,Other,Web,2016-03-28,Closed with explanation,Yes,No,CR1853043,4507
2016-03-28,Credit card,,Rewards,,,,Consent not provided,Web,2016-03-28,Closed with explanation,Yes,No,CR1852236,4373
2016-03-28,Credit card,,Other,,,,Consent not provided,Web,2016-03-28,Closed with explanation,Yes,No,CR1851704,665
2016-03-27,Bank account or service,Checking account,Deposits and withdrawals,,"Dilemma : My former Eagle National Bank ( EN ) branch manager has written a letter and phoned the EN fraud department to tell them the fraud department made a mistake when it incorrectly pulled back thousands of dollars of payments that I made last year from a joint EN bank account on which I was listed. Unfortunately, the fraud department stated that it wo n't reverse its decision. Instead the fraud department stated I would have to go after the individual who falsely stated to EN that I made fraudulent payments. ( The fraud department apparently acted without even investigating to verify if my name was listed on the joint bank account during the timeframe in question. ) Background : I had a joint EN bank account for years with my partner. We XXXX put our paychecks in the bank and made payments on various bills, some of which were in his name and some of which were in my name. My partner and I split up in XXXX XXXX. I removed my name from our joint bank account on XXXX XXXX XXXX ( Confirmation form is second page on attachment ) but the account remained active under my ex-partner 's name. I have always been up to date on my payments to credit card companies and my car loan lender. 

On XXXX/XXXX/XXXX I received a phone call from my car loan lender stating that I immediately owed them approximately 10 months of payments ( ~ {$3100.00} ) or the lender would repossess my car within the week. The lender told me that EN had pulled back all of the payments I made since XXXX XXXX, XXXX through XXXX XXXX, XXXX for the car. I subsequently found out that all payments from that joint EN account in XXXX to my credit card through XXXX XXXX ending in XXXX was reversed so I now owe my XXXX XXXX credit card {$4100.00}. This credit card payment was originally made XXXX/XXXX/XXXX ( documentation also provided ). 

Actions Taken : On XXXX/XXXX/XXXX I contacted the EN fraud department which refused to speak to me because my name was no longer on the former joint bank account which now only lists the name of my former partner. 

On XXXX/XXXX/XXXX I went to my former EN branch and spoke to the bank manager XXXX XXXX. From him I learned that my former partner XXXX XXXX XXXX XXXX had called the bank fraud department and told them all the car payments/credit card payments made from his bank account in XXXX were fraudulent. ( The bank apparently did not check to see that I was listed as a joint account holder for all of XXXX. ) The bank manager then verified that I was listed as a joint account holder for the entire time frame that my former partner claimed the payments from the account were "" fraud ''. The bank manager called the fraud department to tell them that department had erred and needed to reverse its actions and return the money to the merchants. The fraud department refused. 

The bank manager told me that he would write a letter verifying that I was a joint account holder on the bank account for the entire time my ex-partner was claiming that payments were fraudulently made ( 1st page of email attachment ). The bank manager also printed out all bank statements for the last 18 months which is the farthest back they can pull from. Those statements clearly show that I was listed as a joint account holder. 

On XXXX/XXXX/XXXX I picked up the EN bank manager letter and the bank statements showing that I clearly was on the joint bank account. I also filed a XXXX police department report against my former partner for harassment/fraud. The officer who is filing the report is Officer XXXX, XXXX # XXXX. The report # is XXXX. The XXXX police department number is XXXX. 
",,Consent provided,Web,2016-03-27,Closed with explanation,Yes,No,CR1851472,3079
2016-03-27,Credit card,,Other,,"First off, Eagle National Bank closed my account after a perfect payment history, claiming my line was being used too much. I accepted this, but then when I attempted to retrieve points, which I earned, I was told the account was closed and I was getting nothing because of it. If the agreement contained information about getting points and redeeming them for credit to my card or other things, I think I should get this. In addition, I was told I had a ZERO interest rate on my account for almost 2 years and I have been getting charged interest each month since they closed my account. I want to know why they can break my agreement, not give me the credit I earned and charge interest on something that is interest free still? 
",,Consent provided,Web,2016-03-27,Closed with explanation,Yes,Yes,CR1851570,4481
2016-03-27,Credit card,,Customer service / Customer relations,,"XXXX Credit card : received new card, but without receiving statements, nor any other notice of any kind although they had my email address, my phone and other numbers for text messaging purposes, reported myself being late. 1-Upon receiving a phone call on XXXX/XXXX/15 from XXXX about being late, I immediately on the same day made the full payment after reaching agreement that XXXX does not report myself being late and waiving late fees. 2-However XXXX did report to credit buroeus my account being late. 3 -- Subsequently I received on XXXX/XXXX/15 in damaged envelopes the previous XXXX statements which did not have any postmarks but according to USPS were damaged and therefore delayed.",,Consent provided,Web,2016-04-28,Closed with explanation,Yes,No,CR1851444,68
2016-03-26,Credit card,,Closing/Cancelling account,,"I called Eagle National Bank to cancel XXXX ( XXXX ) credit cards with XXXX balances and I was continuously transferred for 20+ minutes before someone actually canceled my cards. They try to transfer costumers over and over again in hopes that they hang up. I 'm 99 % sure that Eagle National Bank might be the worst organization in the world. 
",,Consent provided,Web,2016-03-26,Closed with explanation,Yes,No,CR1849575,6478
2016-03-26,Credit card,,Closing/Cancelling account,,"I had fraudulent activity on my Eagle National Bank XXXX # XXXX which I described in detail through the "" Tell Your Story '' portal on the CFPB website about a week ago. Possibly, EN may have been hacked in view of the repetitive nature of the fraudulent charges. After I contacted EN about the fraud, they closed that account and assured me that they would expedite delivery of a replacement card so that it arrived no later than this past Tuesday, XXXX XXXX 2016. However, Tuesday came and went, Wednesday came and went, and Thursday came and went, with no replacement card. This is one of several lies EN told me. On Friday, the card arrived. It has the account number XXXX. Instructions with it said to call an XXXX number to activate it which I did. At that time, a recorded voice told me that the card was activated and ready to use. This is the second lie that EN told me. Because the fraud department at EN had told me to report other activity, I thought I should call it to confirm that the card was activated. I did so on Friday and was told by the representative I spoke with that the card was activated and ready to use. This is the third lie EN told me. Today I tried to use the card for the first time and it was declined. EN also wasted well over an hour of my time engaging in these unfair, deceptive and abusive activities, worsening them with excessive, hollow, time-consuming apologies along the way. After I spoke to the second person at EN about this today, I asked to speak to a supervisor. I think the supervisor identified herself as "" XXXX '' in Georgia. XXXX refused to rectify the problems by getting the card to work. 
On Thursday, when this card had not arrived, I called EN to report that it had not arrived by the date certain EN had said it would arrive by, last Tuesday. At that point, the person I talked to said she would send another, second replacement card for the original card. When the first replacement card arrived the next day, Friday, I was told twice by EN, that it was activated and ready to use. The representative I talked to then told me that he was was going to cancel the second replacement card that I have never received. This was the fourth lie that EN told me. Instead of cancelling the card I have not received, he cancelled the card I did receive, and then immediately told me that the XXXX I had was activated and ready to use. 
I finally hung up the phone with XXXX who refused to honor what EN had told me previously. I 'd had enough of EN 's lies and had had more than enough of my time wasted. I 'd told her that she could explain EN 's prevaricating proclivities and abuse of its customers to the CFPB. 
",,Consent provided,Web,2016-03-26,Closed with explanation,Yes,No,CR1851207,3576
2016-03-26,Credit card,,Other,,,,Consent not provided,Web,2016-03-26,Closed with explanation,Yes,No,CR1851221,3565
2016-03-25,Bank account or service,Checking account,"Account opening, closing, or management",,"I 've complained already. The bank changed my bank account stating it was no longer linked to a mortgage account, when it was never a morgage account in the first place. They began charging a monthly fee of {$25.00}. After my last complaint, they wrote that they would waive my fees until XXXX 2016 so I could decide what action I want to take. They are refusing me to change the account to one without a monthly fee, when there are other types that do not require a monthly fee. I will most likely have to close the account now which makes me mad as it 's linked to family members for transferring money. I would like a differrent account that does not charge a monthly fee. Additionally, when I first brought this up, they waived XXXX of the fees I had been charged. However, I have been charged XXXX others that they refuse to remove. So I get waivers, they agree not to charge me for a couple months, but then wo n't remove the fees I got charged in the meantime. 
",,Consent provided,Web,2016-03-25,Closed with explanation,Yes,No,CR1847474,4412
2016-03-25,Bank account or service,Other bank product/service,Using a debit or ATM card,,"On XXXX/XXXX/16 about XXXX XXXX I went into Eagle National Bank on XXXX XXXX XXXX XXXX XXXX, MD, XXXX to use the ATM machine and there were people ahead of me trying to use the ATM. A EN employee of that branch walked pass us and walked into the banking area without speaking. After 20 minutes of waiting in line I was next to use the machine only to find out it was not working. I then began to knock on the main door of the bank to let the employees know inside the bank ( bank tellers were preparing for their day ) the ATM was not working and ignored me. I began to knock again and they all looked at me and turned their backs. The manager of the bank- a XXXX man came over to and started yelling at me through the glass door stating "" we do n't maintain the ATM machines ''. '' I am only in charge of the inside of the bank ''. He was so nasty, rude and vile for no reason. He also began using hand gestures telling to leave and go to another EN further up the street. 
I have been with this bank since I was XXXX years old and to be treated like this after all these years. There is no customer service or hospitality Just rude and nasty people. Good customer service starts with upper management and if he does not have any I doubt other workers will. They were just as bad and disrespectful as he was. 
A simple out of order sign would have solved the problem of multiple customers trying to use the ATM and figuring out it was not working. I got to work late because of this. 
I would recommend EN to better train their employees on how to provide excellent customer service or hire new workers who actually want to work there. 
",,Consent provided,Web,2016-03-25,Closed with explanation,Yes,No,CR1848458,143
2016-03-25,Credit card,,Advertising and marketing,,"I applied for a Eagle National Bank XXXX XXXX XXXX XXXX XXXX on XXXX XXXX 2015. The terms of the application offer were XXXX miles after first use, XXXX miles after {$12000.00} spend in the first six months. I received approval notice and the card on XXXX XXXX and activated it at the point. Since that point I received the six month statements, the first in XXXX covering the range of XXXX XXXX - XXXX XXXX and the last covering the range of Novermber XXXX - XXXX XXXX. My six month statement totals is {$12000.00} ( excluding the annual fee that posted on XXXX XXXX when the card was activated ) which covers the 6 month period between physically receiving the card and the 6th month statement close ( XXXX XXXX - XXXX XXXX ). It is very clear I met the requirements. 

XXXX XXXX while doing my taxes I realized that the XXXX bonus points had not posted. I followed up with Eagle National Bank and they said that technically I missed the date because the clock starts after "" opening the account '', which appears to be XXXX XXXX but this was never communicated to me as I had no card to physically use thus the 6 month advertisement was a deceptive marketing scheme. The Eagle National Bank agreed this is confusing and confirmed the bonus points would post because of the honest misunderstanding. 

XXXX XXXX I received a letter from Eagle National Bank stating I would not receive the additional bonus miles, disregarding the deceptive nature of the offer and what I was told by Eagle National Bank personnel regarding resolving the issue by issuing the bonus points. I followed up again with Eagle National Bank and this time the representative said they would submit a claim to have it resolved. 

XXXX XXXX I received the same boilerplate letter saying I did not meet the terms and would not receive the bonus miles. Eagle National Bank has provided me with no alternative for recourse outside of filing complaints with local agencies to make me whole due to their misleading advertisement practices and bait and switch tactics regarding resolving the problem. 
I have documentation of the offer and my statements to prove I meet the 6 month spend requirement and I am looking for Eagle National Bank to honor their agreements. 
",,Consent provided,Web,2016-03-25,Closed with non-monetary relief,Yes,No,CR1850883,116
2016-03-25,Credit card,,Billing disputes,,"I just received my credit report. There are XXXX derogatory entriesXXXX from Eagle National Bank. I complained to them XXXX years ago and assumed they had removed them. 
I have NEVER had an account with EN. I received XXXX unsolicited cards from them in 2011 which I assumed were sent by mistake. They were never activated and I still have them in their original wrappings. 
I 'd like XXXX charge-offs removed from my report. 
",Older American,Consent provided,Web,2016-03-25,Closed with explanation,Yes,No,CR1850599,2141
2016-03-25,Credit card,,Closing/Cancelling account,,"I obtained a credit card from Eagle National Bank that I kept in perfect standing at all times. when payments were due, I always paid double or more rather than the minimum amount due. I made a payment before midnight and not knowing the cut off time was XXXX, was charged a late fee. While discussing the situation with an associate a few days later, she got very out of hand and we wounded up exchanging a few argumentative words. I saw where I was not getting anywhere, decided to hang up. She ( I believe ) submitted a request on my behalf to close the account. Not knowing this until I attempted to pay a bill, called the bank and was told that I requested to close the account. They would not reissue my card unless I reapply and they would run my credit which has a hard inquiry toward my credit score. Should I have to go through this after assuring them that I did not request to close my account? Your assistance is greatly appreciated. 
",,Consent provided,Web,2016-03-25,Closed with explanation,Yes,No,CR1849537,978
2016-03-25,Credit card,,Customer service / Customer relations,,"on XX/XX/XXXX I called Eagle National Bank and requested a new credit card. the old card I still had but never activated it and it expired in XX/XX/XXXX. I endured over 30 minutes of being asked asinine questions and being out on hold. after 30 minutes I told them what hey could do with their card! one question was what was your pets name that you last purchased poet insurance for? I explained I had had a pet for over 15 years! this was supposedly to verify who I was! I had the old freaking card in my hand! 
I wrote XXXX XXXX the ceo the first letter on XX/XX/XXXX. XXXX XXXX called from their enterprise resolutions department. I explained what had happened. she said she 'd research my concerns and call me back. SHE NEVER CALLED BACK! I sent XXXX the second letter on XX/XX/XXXX then a nedra called on XX/XX/XXXX. I went thru the dog and pony show all over again. she said she 'd research my compliant and call me back she also said tha I RECEIVED A LETTER AND PACKET FROM MCGRAFF. HAD THAT REALLY HAPPENED I WOULD N'T HAVE HAD A NEED TO SEND XXXX THE SECOND LETTER!!! she called back on XX/XX/XXXX and said she COULD N'T HELP ME I HAD TO REDO THE DOG AND PONY SHOW WITH THEIR VERIFICATION DEPART ALL OVER AGAIN. I POLITEY TOLD HER WHAT Eagle National Bank COULD DO WITH THEIR CREDIT CARD! 
I received a copy of my credit report dated XX/XX/XXXX. it listed Eagle National Bank as a OPEN AND VALID ACCOUNT IN GOOD STANDING. ALL I WANTED WAS A NEW FREAKING CARD! I might add that I got the Eagle National Bank card because ll bean had them as their servicer for their ll bean cards. they switched to XXXX about 5 years ago, hence the reason I was n't using my ban of America card! Eagle National Bank 's reps even said my account was in good standing. is this what our banks are allowed to do to their clients? thank you. 
",,Consent provided,Web,2016-03-25,Closed with explanation,Yes,No,CR1850221,3611
2016-03-25,Credit card,,Late fee,,"For the 3rd time in the last 12 months my Target Red Card was charged with a late fee. In each instance, I was able to demonstrate that the payment arrived on the due date or the day before. This most recent occurrence my payment was due on the XXXX of XXXX. I paid off the balance as I usually due each month. The payment was scheduled online through my bank. When I received the next months ' bill Target was billing me for the late fee and a dollar or so of interest. Working with my bank I was able to demonstrate that the payment arrived at the post office at XXXX in XXXX TX where the bill is to be sent. When I called Target about this they said that I should make my payment earlier because late fees are assessed for payments that are n't processed on time. They 've agreed to remove the charges again. Based on my experience it seems likely they will do this to anyone whose check is received on the due date. If this is not grounds for you to investigate please let me know. I believe it is fraudulent and actionable. 
",,Consent provided,Web,2016-03-25,Closed with monetary relief,Yes,Yes,CR1850000,3621
2016-03-24,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX XXXX received a text on my cell phone. Said it was from my bank. When I opened it the bank insignia looked legit along with bank name. It said there was a problem with my account and they needed to set aside a certain amount. The attachment was a questionnaire want my bank information. Felt it was a fraud since my bank does not have my cell phone number and know they would not be asking for my information via a text. Called Eagle National Bank and they verified that they did not send it. They asked me to email the text to their Fraud Department. Did so immediately. 
",,Consent provided,Web,2016-03-24,Closed with explanation,Yes,No,CR1848263,855
2016-03-24,Credit card,,Customer service / Customer relations,,"My Eagle National Bank credit card was always paid on time and paid in full yet the stated late payments and I settled with them which is false. 
",,Consent provided,Web,2016-04-05,Closed with explanation,Yes,No,CR1847546,4729
2016-03-24,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-03-24,Closed with explanation,Yes,Yes,CR1848032,1325
2016-03-24,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-03-24,Closed with explanation,Yes,No,CR1848672,1786
2016-03-23,Bank account or service,(CD) Certificate of deposit,Using a debit or ATM card,,"Hi, I have banked with EN for eight years and living on XXXX XXXX dollars a month has been unbearable. To the contrary, I have no support and no credit with EN. I deposited XXXX dollars into EN and using Debit I 've received no rewards or approved by credit. My savings account was closed and other members on this account had access to every available funds of my personal money regardless of my primary ownership. 
As an end result, discrepancies were added to my account causing me several overdraft fees. Please let me know when I can access credit or resolve debit usage! 
",,Consent provided,Web,2016-03-23,Closed with explanation,Yes,Yes,CR1843379,3653
2016-03-23,Bank account or service,Checking account,Problems caused by my funds being low,,"I contacted the bank requesting to freeze my account, due to losing my job and no longer having direct deposit. I have XXXX checking accounts and I did not want anything drafting from my account creating a negative balances. I was told I could not freeze my accounts. An item debited from both of my accounts and I had no funds available. The bank allowed the items to debit my account which created a negative balance. A fee of {$35.00} was added to both of my accounts. Long story short my account was already in a negative and the bank continued to add fees. I currently have a negative balance between both accounts of {$560.00}, with {$310.00} being bank fees due to overdraft and returns. 
",,Consent provided,Web,2016-03-23,Closed with explanation,Yes,No,CR1844512,4143
2016-03-23,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I joined the Eagle National Bank for the sole purpose of a good rate of return from an inherentance i received, when i enquired it the EN to open an account i was given a choice of a standard account which i feel suited my needs, at the time i was go through redundency from my job so i used {$5.00} to open the account after i transfered the money a few days had past i received nothing from the EN to confirm the account set up so i emailed them to inqire what the hold up was after a day i received mail back from XXXX XXXX XXXX my account officer the standard account was no longer available and that i would need to take a more expensive account the Premium account at XXXX i had most of that but needed help so i called a friend of long knowing who lives in XXXX XXXX to assist me she agrreed to help with my account and did so, my money nearly XXXX usd was transferd in to my new account within 24 hours, after a few day i received mail telling me i could strat to transfer money to other accounts or my own here in the XXXX ( i am XXXX living in XXXX ) when i set the amount to transfer it would not transfer the funds i requested stating some thing about a cost of transfer fee, i emailed XXXX XXXX again and he told me that i needde to pay {$42.00} transfer fee to transfer money, why was i not informed about this why was i not informed about the Standard account being canceled why was things not explained to me? and why on Friday or Tuesday being it the XXXX break is my money being confinscated? and the account closed why can i not have money used to pay for this Cost of Transfer fee i just do not under stand why i can not have more time or why can the bank not alouw me to pay for the CoT out of my inhernance that they have in my bank account if you would please look into this as i feel it is unfair and to myself i feel as if i am being cheated of some thing i never know would come my way, and that i now have no money to pay my debts and have used all my redundancy payment just to oipen this account my friend also has paid {$37.00} towards the CoT she is tring to raise more but is finding things a little hard right now, so i feel this Eagle National Bank has now put XXXX people deeper into debt, my self and my dear friend, so please help me with this matter my email address is XXXXXXXXXXXX XXXX if you need my EN account number this i will provide on request, the account is in my full name XXXX XXXX XXXX XXXX, thank you 
",Older American,Consent provided,Web,2016-03-25,Closed with explanation,Yes,No,CR1846716,2786
2016-03-23,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a checking account with Eagle National Bank last year with the promotion of {$300.00}. I finished the requirement and confirmed with the customer service member. The endorsed that I had finished it and should just wait for the bonus to post. But I have never received this bonus ever since. When I was checking with the customer service people again, they refuse to admit that I was qualified for the promotion. 
",,Consent provided,Web,2016-03-23,Closed with monetary relief,Yes,No,CR1843213,3896
2016-03-23,Credit card,,Other fee,,,,Consent not provided,Web,2016-03-23,Closed with monetary relief,Yes,No,CR1846159,652
2016-03-23,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-03-23,Closed with explanation,Yes,Yes,CR1845904,159
2016-03-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-03-23,Closed with explanation,Yes,Yes,CR1846958,4822
2016-03-23,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-03-23,Closed with explanation,Yes,Yes,CR1845880,3794
2016-03-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"A bank ( EN ) incorrectly listed me as having late fees on their credit card which appeared on my credit report while applying for a loan. I had pulled my credit report prior to applying for the loan and it was not on the report, it was applied sometime within 30 days of applying for the loan. I 've never had a EN credit card so I knew it was not mine. I attempted to dispute directly with EN but they were difficult to deal with. After multiple attempts and much frustration I finally found someone who would check the account referenced on the credit report. EN confirmed the error and stated they would notify the XXXX reporting firms. Within 60 days I received a letter stating EN considered the issue 'closed '. I am dubious and frankly concerned. My loan was questioned due to the incorrect reporting on behalf of EN ; EN offered little to no assistance in correcting the error ; and I can not obtain my 'free ' credit reports to measure whether the 'error ' was in fact removed as I had pulled my reports earlier this year. So how does one verify for free that errors were removed? It would seem that if a letter is received from a bank/firm allegedly stating the "" issue is closed '' then a consumer should be allowed to obtain free verification of their credit report at the cost of the bank/firm that made the error. 
Why are banks/firms allowed to report 'errors ' yet there is minimal responsibility on the banks/firms to correct even when presented with evidence? The check and balance is not there. Consumers are left to fend for themselves sometimes unknowingly that a bank/firm is reporting erroneous information. As a side note, EN offered no apologies. Only a statement of 'an error '. 
",,Consent provided,Web,2016-04-05,Closed with explanation,Yes,No,CR1843282,3547
2016-03-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have a credit card w/ Eagle National Bank . They want to know XXXX what my source of income is, since I refused they threatened to close to \tototod to to to close my account. I think this is a bully tactic. I hope you can resolve this situation. Thank you.. 
",Older American,Consent provided,Web,2016-03-22,Closed with explanation,Yes,No,CR1844837,3970
2016-03-22,Bank account or service,Savings account,"Account opening, closing, or management",,"My sister passed away in XXXX 2015 and I have been attempting to resolve closing her bank accounts with Eagle National Bank since XX/XX/XXXX without resolution. The bank is requesting an Affidavit of small claims which apparently comes in a multitude of forms, all of which have not been acceptable to EN and I continue to receive letters stating I have notarized the wrong form, having missing information etc. I think the EN should declare on the Estate Unit site that it is unlikely the customer will be able to close accounts of their loved ones secondary to the complexity of the form or the inability to file the appropriate affidavit to receive the funds from the accounts without the assistance of an attorney. I will be obtaining the services of an attorney at this point in time to close my sister 's accounts. 
",,Consent provided,Web,2016-03-22,Closed with monetary relief,Yes,No,CR1844662,2200
2016-03-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XXXX, XXXX 2016 I called Eagle National Bank to have a pending charge removed. The charge was unauthorized and I explicitly stated this. I specifically asked about fees and was told "" You might get a fee, but it will be refunded. '' On XXXX, XXXX 2016 I had XXXX fees on my account, XXXX being a stop payment fee and XXXX being a returned item fee totaling in XXXX . I called customer service and was bounced from customer service to claims and back to customer service. 
After speaking to the customer service representative who told me there was nothing they could do, I asked to speak to a manager. The manager told me that someone had already tried to refund the fees using the automated system and that they were declined. I explained that the first person I spoke to probably did that before they transferred me to claims. The manager said I would need to have the company who charged me write a letter stating they did not have permission to charge my account to be able to refund the fees. 
I asked if I should have filed a claim, which is what I thought I did, and the manager said that yes I could have filed a claim if I had let the item post. I mentioned that if I had waited the 2-3 days for it to post I would have had a negative account balance the whole time and would not have been able to use my debit card. The manager told me that this is what I was supposed to have done. 
I pointed out that I got charged a stop payment fee and a returned item fee and I wanted to know why I got charged both, if the stop payment went through then why was there a return fee. The manager told me that I had a stop payment placed on the company name, but they charged me with a slightly different name and that is why I was charged both fees. I told him that was a technicality and he said he was sorry but that he was n't going to do anything about it and "" if it was the first time you were complaining about fees, maybe I could do something. '' I asked if there was someone higher up I could talk to and the manager responded "" I 'm the highest person that answers that phone. '' 
",,Consent provided,Web,2016-03-22,Closed with monetary relief,Yes,No,CR1843388,572
2016-03-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,"To Whom It May Concern, I am contacting you regarding a matter from the 2015 tax season. I was unable to receive my refund last year due to issues with my bank processing my return. I should start by bearing some responsibility for this mishap but due process was not followed by the Bank to fix the issue. 

Last year I filed my taxes and opted my tax return be direct deposited into my Eagle National Bank account. I gave my correct account number, but mistakenly provided my routing number for incoming wires instead of an electronic routing number. Because of this error, my tax return was unable to be deposited into my account. After about waiting a month for my return, I contacted the Comptroller of the state of Maryland and was told that my return has already been sent to Eagle National Bank. I proceeded to contact Eagle National Bank but they informed me they had not received any transfers and could not help me. It should be noted that I called and visited centers of Eagle National Bank multiple times early on and I was told by multiple representatives that they could n't help me and to check back with the state. I even put representatives from both Eagle National Bank and The Comptroller of Maryland on a conference call, but they were unable to find a solution. 

Eagle National Bank told me that if I gave the incorrect routing information, the transfer would be denied and returned immediately. The state told me that no money was returned so they could n't reissue me a check. The state helped me by giving me a trace number for the transfer ( XXXX ). Eagle National Bank used the trace number to track the funds but could not locate its precise location because their records in the wire department & ACH department are deleted after three months of the initiation of transfer. The money has not been returned to the state and the tracer shows that it was deposited somewhere in Eagle National Bank. I have talked to banking center managers and I 've talked to the bank ( XXXX XXXX XXXX ) of the comptroller who has provided me with more than enough evidence ( Trace Numbers ) showing that they have sent the money to EN and it was never returned. Eagle National Bank has told me they no longer can help me with this issue and to not contact them again regarding this mishap. 

I am filing this claim not because I need the money ( Even though being a XXXX student, it would certainly come in handy ). I am filing this claim because it is a matter of principle. I ca n't be forced to accept the bank loosing my hard earned money because of some "" Technical Deficiencies ''. 

I should note that the Federal Return was processed correctly. The money from the IRS was returned by Eagle National Bank and I promptly Received a check in the Mail four days later. I do n't understand why the same thing was not done for my Maryland return. 

I am frankly appalled with the way my bank has handled this situation. From treating it as a "" Non Issue '' from the start, to then coming around and blaming me for not contacting them earlier ( even though they have records of me calling multiple times to inquire about my funds ). At this moment my tax return is somewhere in Eagle National Bank, and I would like the CFPB help me find it. 
",,Consent provided,Web,2016-03-22,Closed with explanation,Yes,No,CR1844486,1352
2016-03-22,Credit card,,Payoff process,,"Federal law, thru the credit card act of 2009, changes payment allocation and requires that credit card companies apply any additional payments ( minus the required minimum payment amount ) to the highest interest rate balance on my card. That is not happening! Eagle National Bank and XXXX XXXX refuse to to apply additional payments to the balance with the highest interest. I keep referring to the Card Act and they wo n't change their practices saying they are meeting federal guidelines. I need to know what to do? I keep paying above the minimum payment and they keep applying most of it to the balance with the lower interest rate ( BOFA 9.99 % vs 24.99 % and XXXX 13.24 % vs 24.24 % ) 
",,Consent provided,Web,2016-03-22,Closed with explanation,Yes,Yes,CR1843211,3069
2016-03-22,Credit card,,Other,,"I have a Eagle National Bank Credit Card. I got a statement for XXXX XXXX - XXXX XXXX with a New Balance Total of {$730.00} with a Due Date of XXXX/XXXX/2016. On XXXX XXXX when I received an e-mail for this statement, I paid the account off in full. On XXXX/XXXX/2016, I received an e-mail for the XX/XX/XXXX-XX/XX/XXXX period saying that I owe a Minimum Interest Fee of {$1.00} even though I had paid the full balance off and I have not added any additional payments. 

On the back of the statement it says, "" We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. We will begin charging interest on Balance Transfers and Cash Advances on the transaction date. '' This is not fair to the customer as they get charged interest even though the balance is paid off in full and also that they do not get an e-mail saying they have a statement until the day after the closing date. 
",,Consent provided,Web,2016-03-22,Closed with monetary relief,Yes,No,CR1844928,4567
2016-03-22,Credit card,,Billing disputes,,"on XXXX/XXXX/2016 I made a prepaid purchase through a merchant for a XXXX that needed to be ordered. Three days later when the XXXX arrived, the merchant sent XXXX photos of the item and upon review of the photos, I noticed that the merchant had ordered the wrong model. The merchant had ordered a custom model of the XXXX and the custom model included many different features than the model I requested, which was the base model. I spoke to the merchant about the issue on XXXX/XXXX/2016 and he denied ordering the wrong model and proceeded to tell me that I would have to pay an additional XXXX % restocking fee and an additional {$55.00} to get the model that I wanted and had originally ordered. I refused to pay an additional {$200.00} for the restocking fee because I did not make the error. The merchant refused to refund my payment of {$990.00}. I called Eagle National Bank on XXXX/XXXX/2016 and explained to them what had happened and disputed the transaction. Eagle National Bank issued my account a credit for the {$990.00}. On XXXX/XXXX/2016 Eagle National Bank sent me an electronic document stating that they had reversed the credit and had given the {$990.00} back to the merchant. Along with the letter was the statement from the merchant. The merchant stated in his statement that I asked for the base model and that he ordered the base model. He also stated that I had no knowledge of firearms and that he spoke with a mutual friend about our transaction to get a message to me about exchanging the firearm for the {$55.00} and the {$200.00} restocking fee. Also noted in his statement, the merchant does not know my name. He referred to me and my husband initially as XXXX and XXXX XXXX and later in the statement as XXXX and XXXX XXXX. I did not get a receipt from the merchant because the transaction was completed via the phone and he did not send me a receipt as agreed upon. The statements about speaking to a mutual friend to get a message to me are false, and the statement about ordering the base model is false. He deliberately lied and made false representations to Eagle National Bank to get the money back. By definition ; he has committed fraud against Eagle National Bank. I have supporting documents that prove that the firearm that the merchant ordered is, in fact, a custom model and is not what I ordered. According to the Fair Credit Billing Act, this fact alone makes me not responsible to take the item or to pay for the item because it is not what I agreed to order or purchase. I did not accept the item and the merchant still has the item on his shelf for sale. The merchant included a shipping receipt to imply that he shipped the firearm back, but he did not. The merchant told Eagle National Bank that he would settle for {$240.00} ( which I wo n't agree to ), but yet Eagle National Bank charged my account the full {$990.00}. I was told by a representative on the phone that Eagle National Bank can not tell the merchant how much to charge and the reason they gave him the money back is because he was willing to exchange the item for more money. The Fair Credit Billing Act does not state that I have to accept the exchange for a different price or that I have to pay a XXXX % restocking fee for an error that I did not commit. The item was not as described or agreed upon and this is the information that was given to Eagle National Bank before they gave the money back to the merchant. I feel that I am a victim of fraud by the merchant, a victim of Eagle National Bank not upholding the Fair Credit Billing Act, and I feel that the merchant has committed fraud against Eagle National Bank by deliberately deceiving a financial institution for his own financial gain. 
",,Consent provided,Web,2016-03-22,Closed with explanation,Yes,Yes,CR1844566,8489
2016-03-22,Bank account or service,Checking account,Problems caused by my funds being low,,"I am contacting you for assistance in initiating a dispute with Eagle National Bank in regards to excessive overdraft fees. I have a checking account with Eagle National Bank and I am enrolled in Eagle National Bank Overdraft Protection Coverage. However, Eagle National Bank has been for a long time abusing this enrollment and excessively charging me fees. Eagle National Bank does not properly allow their clients to be aware there are pending transactions on an account due to their outdated processing system which can take even up to three days to reflect an instant debt transaction on an account. Eagle National Bank on Saturday and Sunday do not reflect any transactions not even as pending, then on either Monday or Tuesday they process transactions since Friday night and they are not processed in chronological order so they deduct from all those days ll at once starting with the transaction with the highest amount leading to multiple overdraft fees for transactions that were done when the balance was available. 

I was informed by multiple representatives of Eagle National Bank that if an account goes into overdraft and the account is brought to a positive state on the same day by XXXX XXXX Eastern Standard Time an overdraft fee will not be applied. On Tuesday, XXXX XXXX, 2016 my account went into negative standing, However on the same day I made a deposit of {$22.00} at XXXX XXXX EST. which brought the account to a positive standing of {$0.00}, my receipt also reflects this. Eagle National Bank charged me XXXX over draft fees of {$35.00} each. I believe it is unfair and misleading that Eagle National Bank does this because there is no way for me to reference my transactions with them. Since this bank is not updating their processing system as mandated I can only go by the information that is provided. As I stated above my balance reflected a positive standing within the cut-off period of same-day processing. I attempted to resolve this with Eagle National Bank directly ; I spoke to a manager XXXX in the New Jersey Contact Center but they refused to assist me and they were extremely hostile with me. 
",,Consent provided,Web,2016-03-22,Closed with explanation,Yes,Yes,CR1844049,3891
2016-03-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-03-22,Closed with monetary relief,Yes,No,CR1844326,100
2016-03-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-03-22,Closed with monetary relief,Yes,No,CR1844913,5487
2016-03-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-03-22,Closed with explanation,Yes,Yes,CR1844724,21
2016-03-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-03-23,Closed with explanation,Yes,No,CR1845070,4678
2016-03-22,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-22,Closed with explanation,Yes,No,CR1842111,1986
2016-03-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-22,Closed with monetary relief,Yes,No,CR1843535,3046
2016-03-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,Other,Web,2016-03-22,Closed with explanation,Yes,Yes,CR1844140,3903
2016-03-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I paid off XXXX of my credit card accounts with Eagle National Bank XX/XX/XXXX. Recently, I began using XXXX of those accounts again. I received an email notice of an amount due ( of {$20.00} ) on the closed account and tried to access that account online to determine the validity of the charge and pay if owed. I was blocked from accessing the account by Eagle National Bank. I called and for almost 2 months tried to get resolution on the problem they created. I finally relinquished and send them the {$20.00} payment, to which they assigned a {$1.00} late payment assessment. After two more months and several calls and internal emails to them, they finally credited my account and removed the {$1.00} late fee. In XX/XX/XXXX of this year, they wrote me a letter closing this account ( ending in XXXX ) stating "" too many late payments '' on this account. The fact is that there were ZERO late payments for this account, so I called and spoke to XXXX separate representatives for this institution. The first said she saw no evidence of any late payments that would warrant closing the account in the records on the account. The second person I spoke with was a XXXX who looked into this and my other account with the bank, and she said that the XXXX account was in good status, however my other account had XXXX missed payments ( in XXXX and XXXX of XXXX ), even though it was paid up to date. I explained that while I received notice of payments due on that unrelated account, I was still being prevented from Eagle National Bank from accessing the account to make online payments, Again, after XXXX months of internal online correspondence and multiple phone calls, I was able to once again access my account and changed my profile back to my original XXXX and password. Then, and only then was I able to make the payments. The Supervisor told me she would re-establish my account and send out a new card. She furthermore credited my account with the XXXX late fee assessments ( posting on XX/XX/XXXX ). She further apologized for the problems created by Eagle National Bank and said she would look into the reports to credit agencies to get them corrected to show accurate information and no late payments. Consequently I received another letter from Eagle National Bank dated XXXX XXXX, XXXX stating that they "" were unable to approve my recent request to reopen '' my account, citing "" too many accounts with balances and the amount owed on revolving accounts is too high. '' This is, of course, inaccurate and a false statement relative to my income and past history of credit card use and accounts. They also blamed XXXX XXXX, the company they provided with the false negative reports of "" late '' payments citing a report received from them. 
",Servicemember,Consent provided,Web,2016-03-21,Closed with explanation,Yes,Yes,CR1842898,1252
2016-03-21,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,"To whom it may concern, This is a second time I submitted a complaint for BofA on this forum for not cashing a payroll check. The first was last year, case XXXX. 
At that time, BofA replied with a letter saying they are required to cash payroll checks as long as the account has funds and I have a government issued picture Id. From that time forward, most of the branches would cash the payroll with some occasions where the branches would NOT and I would call the BofA corporate office to resolve issue for a few more months. 
This is now the 3rd or 4 time I have to call the corporate offices over the year and it is getting tiring. 
Today was the day I decides to open another complaint here for the same issue since I was denied again at the XXXX NJ BofA branch by manager XXXX XXXX. 
I will ask again, as long as the account has funds and I present correct ID, what other reasons can a Payroll check not be cashed at the bank it is drawn against? 

With kind regards, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXXXXXX NJ 
",,Consent provided,Web,2016-03-21,Closed with explanation,Yes,No,CR1842128,3037
2016-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,"I originally signed up online for a checking account promotion in XXXX, receive a {$150.00} bonus for making XXXX debit card purchases within 90 days. In those 90 days, I made over XXXX debit card purchases but never received the bonus. It has been over 5 months, and every time I contact customer service, they give me the runaround, 'forwarding ' my messages to departments who never respond, or erroneously telling me to contact a third party company ( XXXX XXXX ) which fulfills an unrelated checking account bonus for a free phone. 

I would not have signed up for this account if I did n't receive a bonus. This was a misleading promotion because I never received the bonus, and Eagle National Bank has given me no way to get this resolved through their customer service channels. 
",,Consent provided,Web,2016-03-21,Closed with monetary relief,Yes,No,CR1842086,417
2016-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,"My wife and I have had a joint checking account/savings account at Eagle National Bank in XXXX, NY. The checking account is called "" relationship checking ''. It was opened on or about XXXX/XXXX/XXXX. 

I looked up their different checking account plans and saw for the first time that they are not supposed to charge a monthly maintenance fee to process my accounts since I keep substantial sums between my checking and savings account held by them. 

I noticed that I have been improperly charged $ XXXX/mth for almost 4 years. On XXXX/XXXX/XXXX, I met with assistant store manager, XXXX XXXX, who acknowledged the bank 's error and told me she would look into it. They only credited me {$100.00} instead of the almost {$1200.00} that they had improperly charged as maintenance fees. On XXXX/XXXX/XXXX, I met with Asst Vice President, XXXX XXXX, who said the bank would make no further credits to my account. He said that I should have seen the charge on my statements. I told him the bank was illegally profiting from its own mistake. 

First, I was never told that my "" relationship checking '' account was "" maintenance fee '' free. If I had been aware of this, I certainly would have disputed it years ago. Second, they opened the account and their computer program never should have entered a monthly fee in the first place. Therefore, an employee of the bank must have altered the program or my specific account to do so. 

Not only have I been defrauded by Eagle National Bank, but I am sure that I am not the only depositor who is or has been paying "" maintenance fees '' unnecessarily since they do not advise their customers of any improper charges. 
",,Consent provided,Web,2016-03-21,Closed with monetary relief,Yes,No,CR1841618,4659
2016-03-21,Credit card,,Credit card protection / Debt protection,,,Older American,Consent not provided,Web,2016-03-21,Closed with explanation,Yes,Yes,CR1841095,4212
2016-03-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-03-21,Closed with monetary relief,Yes,Yes,CR1841482,4599
2016-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-21,Closed with explanation,Yes,Yes,CR1842493,1394
2016-03-21,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-03-21,Closed with explanation,Yes,No,CR1841743,1330
2016-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-21,Closed with explanation,Yes,Yes,CR1841837,2779
2016-03-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX SS # XXXX DOB XX/XX/XXXX Eagle National Bank HAS AGREED TO REMOVE INQUIRY FROM MY XXXX REPORT. 
DELETE Eagle National Bank INQUIREY FROM MY REPORT DRIVERS ID AND UTILITY BILL AND SS CARD IS ATTACHED DO NOT SAY YOU DO N'T HAVE MY ID 
",,Consent provided,Web,2016-03-20,Closed with explanation,Yes,No,CR1840300,4405
2016-03-20,Credit card,,Closing/Cancelling account,,"I have had a Eagle National Bank Rewards Card since XXXX. I had over a {$3000.00} credit limit on it with a {$0.00} balance. I went to use the card at XXXX XXXX on XXXX XXXX, XXXX and it was declined. I called Eagle National Bank Customer Service and the woman I spoke to ( the call was recorded ) said nothing was wrong with my card and it should not have been declined. I advised her that when I signed on to my online account it should the card in good standing with no balance ( Eagle National Bank has since erased that information from my online account ). I advised the customer service rep I was going to be traveling to XXXX, XXXX and wanted to advise of my travel. The customer service rep said she had noted the travel notice on the card and I would have no further issues using the card. On XXXX XXXX, XXXX I left XXXX, XXXX for XXXX, XXXX. I pulled over to get gas and the card was declined again. Again, I called customer service at Eagle National Bank and the lady noted that se could see that I had spoke to a customer service rep about tis same issue on XXXX XXXX but that the card has been closed! I advised her I never asked for the card to be closed nor did I get notice that it was being closed. I asked to speak with a supervisor and she too said the card was closed sometime in XXXX and that there was nothing they could do. I was not able to use the card at all on my son 's entire XXXX trip. 
",,Consent provided,Web,2016-03-20,Closed with explanation,Yes,Yes,CR1840759,3328
2016-03-20,Credit card,,Late fee,,"To Whom It May Concern : I 'd like to report a CRA/UDAAP issue with my credit card account from Eagle National Bank as they have operated in a practice that is deceiving to consumers. As a consumer, I have a XXXX % payment performance and have never missed a payment in my life on anything. With Eagle National Bank, I had a closing date on my credit card of XXXX/XXXX/2016 and I therefore paid my bill on XXXX/XXXX/2016 via electronic transfer from my checking to credit card account. In addition, I paid extra during the month to make progress on paying down my debt. Instead, Eagle National Bank credited my payment to the previous month ( not quite sure why ) so by being proactive and paying the date following my closing I was penalized. They have offered to waive my late fee but reported that this will be transmitted to the credit bureaus which I will be disputing with the credit bureaus. My goal is to have this noted and to have an advocate as I seek to adjust my credit bureau reporting. 
",,Consent provided,Web,2016-03-20,Closed with monetary relief,Yes,No,CR1840482,3504
2016-03-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,Other,Web,2016-03-20,Closed with explanation,Yes,Yes,CR1840834,2006
2016-03-19,Bank account or service,Checking account,Deposits and withdrawals,,"Bank risk department has been placing a hold on my payroll check deposits. The last XXXX. The last XXXX I converted to cash, got a cashiers check, and depositedthat. Again after a few days, a hold was placed on the funds. The first time, I went to the issuing bank, while I had Eagle National Bank on the phone. The issuing bank, XXXX, had a record of EN recieving the funds the day after I made the deposit. Yet XXXX days later the risk department software froze my ability to use my money. I feel strongly that there is a problem, if EN does this to XXXX people monthly, that check kiting software they have developed improves their bottom line at the expense of the public. It 's a sofisticated way to kite checks, a practice that should have been regulated out. They take my {$1100.00}, and even XXXX other people 's funds for a week and then have the resources to loan out for mortgages or investments. While my XXXX year old wonders why there is no milk, and Daddy works every day. The EN Vice President suggested I "" climb the phone ladder '' but that stopped at the second rung and no money for a week. And this last check was a printed cashiers check, banking gold as I understand it. 
",,Consent provided,Web,2016-03-19,Closed with explanation,Yes,Yes,CR1840497,3556
2016-03-19,Credit card,,Closing/Cancelling account,,"Eagle National Bank account # XXXX I disputed this account in XXXX 2016 to all XXXX credit bureaus. XXXX and XXXX has fixed error. XXXX has not fixed the error. The account settled over a year ago in full. I have XXXX to prove it. This my final attempt with XXXX to fix it or I will be contacting a lawyer to handle this matter. This account was settled and should be CLOSED and have a XXXX balance. My case number with CFPB is XXXX. The XXXX confirmation numbers XXXX dated from XXXX XXXX, 2016 and XXXX XXXX, 2016 are # XXXX, # XXXX, # XXXX. This is the final dispute. If not fixed, I will hand it over to my lawyer. I am trying to fix this before I apply for a new car loan in XXXX 2016. Thanks. 
",,Consent provided,Web,2016-03-21,Closed with non-monetary relief,Yes,No,CR1840493,3275
2016-03-19,Credit card,,Payoff process,,"I have been a Eagle National Bank credit card customer since 2009. I have never been late and have carried a balance for most of those years. I finally paid off the credit card. In the month I paid off, I returned to the website and made two additional payments for a total of three payments. My last payment I paid {$7.00}. It actually shows I overpaid my account. Then EN issued a trailing interest amount of {$6.00} and I was unaware. When I call to try to understand how they charged me additional interest when I paid off the card ( only a few days ) the month before and paid all charges, interest and amount due ( three times in one month ), they do not provide a reasonable or logical explanation. They say you have to pay off your credit card for two months in a row, so one month paying all charges and interest is not enough. This is unfair and unreasonable. After I called, they immediately said they 'd waive this amount, but that is after they reported me to the credit bureau with a sixty day late. I was unaware of this trailing interest and can not get a detailed explanation of why I was charged this amount, reported to a credit agency, then told the amount could be easily waived. How can they report me on an interest only trailing amount that they easily waived? I am a long term customer who has NEVER been late with a payment. I did not receive a paper letter that this amount was owed or a single phone call. They just reported me and now say they can do nothing to help me. Eagle National Bank practices unfair credit practices. They are not acting professionally, reasonably and they obviously do not value customer relationships. I have called them 4 times and no one has been able to help. I want this amount removed from my credit report and I 'd like to receive a letter of detailed explanation as this has damaged my credit report and caused a lot of XXXX in my family. 
",,Consent provided,Web,2016-03-19,Closed with non-monetary relief,Yes,No,CR1840343,2820
2016-03-19,Credit card,,Other,,"I recently received a collection notice from XXXX ( XXXX, PA ) regarding an outstanding balance on a Target Credit Card in the amount of {$300.00}. I do not own, nor have ever had a Target Credit card. I recently saw my credit report ( buying a house ) and there is no outstanding balances for Target. 
",,Consent provided,Web,2016-03-19,Closed with non-monetary relief,Yes,No,CR1840252,1970
2016-03-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-03-19,Closed with explanation,Yes,No,CR1840374,4757
2016-03-18,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank debited my account on XXXX XXXX for an annual service. The teller told me there was another person on my account. I cancelled the service the next day XXXX XXXX because I was the only account holder, and I have concern about their mistake.The person who closed my account refused to refund my payment, instead she told me to call the XXXX number which I did several times. TheXXXX refused to give me a reference number nor was I given a claim number initially. I was told to call the bank, the banking center said the person in charge was n't available. I got a letter from EN where it stated there was NO transaction on XXXX XXXX for the amount of {$240.00}. I have supporting papers of payment, cancellation of service and their letter refusing to acknowledge they had debited my account of {$240.00}. I.tried to take care of this situation on XXXX XXXX, but all I got was being out on hold and being transferred from XXXX dept to another with long wait time in between while being put on hold. They might expect callers to be discouraged and hang up so they do n't have to fix their mistake by doing a refund. I filed a complaint with XXXX and the Bureau of Consumer Financial Protection so unwary customers wo n't get scammed this way. 
",,Consent provided,Web,2016-03-18,Closed with explanation,Yes,Yes,CR1838900,3018
2016-03-18,Bank account or service,Checking account,Using a debit or ATM card,,"Fraud on my debit card resulting in loss of {$23000.00} from checking account. XXXX ATM card was used to remove the funds over 6 months. Bank claim has been submitted, claim # XXXX. Bank has not been cooperating to resolve issue and restore funds. Also a police report was submitted, XXXX XXXX XXXX Dept, Case # XXXX. A file was submitted through the Federal Trade Commission. All of these documents are available and I will try to attach. 
",,Consent provided,Web,2016-03-18,Closed with explanation,Yes,Yes,CR1839580,2286
2016-03-18,Bank account or service,Savings account,"Account opening, closing, or management",,"I opened a savings account with B of A MANY years ago to compliment the checking account I 've had with them since XX/XX/XXXX. I only opened it upon being assured that there were no monthly fees associated with it. And, indeed, there were none until, beginning XXXX XXXX XXXX, BofA started deducting a $ XXXX/month monthly fee. They never notified me of their intention of doing this, and I only noticed it in XX/XX/XXXX. By then, I had paid XXXX x {$12.00} = {$60.00} in fees. I phoned to complain and ask for a refund, but the agent only offered one {$12.00} fee as refund. To her credit, that agent then also changed my account to another type of savings account where there are ( apparently ) no monthly fees in the future. 

I consider deducting funds from my account without a pre-notification to be tantamount to theft. If I had been notified, I would have closed the account, or changed to the type of account without fees. 

I escalated my complaint to XXXX XXXX, an "" Escalation Manager '' who said that I "" probably '' must have been pre-informed, and there was nothing he would do to repay the {$45.00} that BofA by then had seized and not repaid. He could not demonstrate to me that I had been pre-notified - only his opinion that "" it must have happened ''. He would not give me the telephone number of his manager, XXXX XXXX, for me to escalate further. 
",Older American,Consent provided,Web,2016-03-18,Closed with monetary relief,Yes,No,CR1837064,2453
2016-03-18,Bank account or service,Checking account,Deposits and withdrawals,,"Overview : I was a victim of an employment scam, which caused me to lose {$3500.00} that I was going to use to go on a XXXX trip to XXXX. I emailed a potential employer and believed them. I was given a check, which was found out later to be a fraud, which is the first time I have ever heard of that. I deposited money into an account to purchase supplies for my new house keeping job. In the end, my youth caused me to be naive and foolish and lost money I was going to serve others with. This happened two months ago and I am tormented every day thinking I should n't have trusted this person. I could have used the money to give to XXXX and starving, shoe less kids in XXXX. This will haunt me for the rest of my life. I will never forget this and it makes me cry everyday. 
Detailed Description : XXXX contacted me ( XXXX ) on XXXX XXXX. She told me that she found me on XXXX, which I signed up a few months ago.I work jobs such as being a nanny, working in a restaurant and cleaning. I work many different jobs because I am a XXXX XXXX XXXX learning the XXXX, community development and public health. I also go on XXXX trips and am training to go to XXXX to serve the poor. XXXX told me her sister XXXX was moving from XXXX in 3 weeks and needed a housekeeper. I am looking for extra money to serve the poor in XXXX. XXXX 's email is XXXXXXXXXXXX. She said her phone numbers were XXXX and XXXX. I never called the phone numbers. I emailed XXXX back and fourth XXXX XXXX. I was told I would receive {$400.00} a week for housekeeping. Before XXXX arrived, I would prepare the house with supplies. I was promised the key and address after I took care of the housekeeping needs. I was given a check of {$3900.00} to deposit in my checking account on XXXX XXXX. Address on XXXX package was XXXX XXXX Address XXXX XXXX XXXX XXXX CO XXXX tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX. I took out {$3500.00} to put in the store account at Eagle National Bank. Bank Account name : XXXX XXXX XXXX Bank account XXXX. I was notified that the check was a fraud and taken out of my account XXXX XXXX. I never heard of checking fraud before this. I filed a report at XXXX Bank XXXX my bank ) and the police on XXXX XXXX. XXXX XXXX, I received a letter from the XXXX Police XXXX department and they said I am a victim of a 'common scam ' difficult to solve because of throw away cell phones and pre-paid debit cards. I sent in an IC3 complaint on XXXX XXXX. No one is able to help me. I 'm helpless at this point. Please help me, thanks. 
",,Consent provided,Web,2016-03-18,Closed with explanation,Yes,Yes,CR1839328,3856
2016-03-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"When my ex wife, XXXX XXXX and I were divorced about 10 years ago, we closed our joint checking account at Eagle National Bank in XXXX XXXX. My ex wife moved to XXXX XXXX and opened a checking account with EN in her name only I continued to live on XXXX XXXX About 3 years ago, I opened my own checking account with EN in XXXX XXXX.. 
When ex wife over drew EN checking account in XXXX EN activated a line of credit account my ex wife and I opened prior to our divorce years and forgot to close My ex wife overdrew her checking in 2015 activating the line of credit account. EN sent notices of past due overdraft account to my wife 's a ddress in XXXX The letters were addresses to XXXX XXXX and XXXX XXXX I was never notified about this overdraft problem at my home in XXXX XXXX ( see attachment ) My ex wife mailed copies of EN letters about the overdraft account, my first knowledge about the problem, I went to EN in XXXX XXXX, they explained to me about the overdraft and they filed a bad credit report with credit bureau. EN told me that, my ex wfes XXXX addfress showed as the official address in their records for both of us. Even though I had seperate EN account in XXXX XXXX, Eagle National Bank made no arttempt to notify me at my XXXX address. Eagle National Bank just used my ex wife XXXX address because my ex wife over drew here account and since we were both on the old line credit account, they just put my name on the collection letters sent to XXXX I was never notified about the problem EN refused to restore my credit be cause their official records showed that we both lived at the XXXX address, which is a phoney excuse. 








































fl EN 
",Older American,Consent provided,Web,2016-03-18,Closed with explanation,Yes,No,CR1838947,4021
2016-03-18,Credit card,,Balance transfer,,"I made a payment of {$950.00} in XXXX XXXX and realized that I did not have funds in my bank account. I called Eagle National Bank to cancel the payment where I was informed they would give me a refund of {$950.00} on XXXX XXXX, XXXX. Eagle National Bank incorrectly categorized this refund as a purchase made on the card and subsequently charged me interest for the next consecutive 3-4 months because of the way payments are applied. Spoke with three different managers and three different representatives each month and they all made notes in my account detailing that I should not be charged interest because it was a bank error. The last manager noted that the {$950.00} was going to be lumped into the balance transfer promotion and this problem would go away. After 3 months, the problem remains and I keep getting charged interest. I paid the promotional balance in full that ended on XXXX XXXX, XXXX. 
",,Consent provided,Web,2016-03-18,Closed with monetary relief,Yes,Yes,CR1838795,397
2016-03-18,Credit card,,Payoff process,,"My latest statement from Eagle National Bank for a XXXX balance total was {$4500.00}. The due date was XXXX XXXX, 2016. I paid this amount in full on XXXX XXXX, 2016. Then received a new statement stating that I owe {$32.00}. I do not understand, nor do I agree to this practice. It is completely non-transparent to the consumer. When you receive a bill stating total due and you pay that total prior to the due date, that should be it. Done. Instead, credit card companies send you another bill. Why is this allowed? I contacted customer service, spoke with XXXX today, and she said they could credit me {$16.00}, meet me half-way. but I would still need to pay the {$32.00} in XXXX and then on my XXXX statement I would see the {$16.00} credit. I intend to close my account so how will I receive the credit of {$16.00}? It 's stupid. And essentially she said that my credit score is affected if I do n't pay. I paid my bill in full as required via the statement they calculated and presented to me and I did it prior to the due date they provided me Nice. The same thing is happening on my XXXX XXXX credit card account. XXXX? 
",,Consent provided,Web,2016-03-18,Closed with explanation,Yes,No,CR1839992,5530
2016-03-18,Credit card,,Advertising and marketing,,"The flight attendants on several of my XXXX XXXX flights got on the intercom and advertised that I would get a free ticket and extra miles for signing up for the XXXX XXXX / Eagle National Bank credit card if I submitted my application while I was on the flight. I filled out the application and handed it to the flight attendant. The credit card I received in the mail was different than the XXXX advertised. What they did n't tell you on the flight is that they have XXXX classes of credit cards, and only XXXX of them has the benefits they advertise. I got the one without the free ticket. I also never got the extra miles that were promised for signing up on the spot. Once I realized I 'd just experienced a classic bait and switch, I refused to activate the card. I also called and cancelled the account. The customer service rep. told me that the annual fee would be waived. A couple weeks later, I received a bill for {$50.00} for the fee that had allegedly been waived. All in, it took three calls to customer service for the account to be closed and the fee to be waived. I love Alaska XXXX. It 's unfortunate they are pitching awesome benefits with no qualification and then delivering something else. The last customer service rep. mentioned that he had heard this complaint XXXX times. At best this appears to be ignorant flight attendants, but it feels much more like deceit. 
",,Consent provided,Web,2016-03-18,Closed with monetary relief,Yes,No,CR1839949,7286
2016-03-18,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-03-18,Closed with monetary relief,Yes,No,CR1840080,294
2016-03-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-18,Closed with explanation,Yes,No,CR1839144,3644
2016-03-17,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank keep charging me huge overdraft of the services they never rendered. 
the check was returned and they charge me XXXX dollars for it 
",,Consent provided,Web,2016-03-17,Closed with explanation,Yes,No,CR1838233,4324
2016-03-17,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank REPEATEDLY declined to put my transactions through at XXXX ( grocery store ) on XXXX/XXXX/16 and XXXX/XXXX/16 even though THE MONEY WAS THERE. It actually HIJACKED the funds so that it CAN NOT be withdrawn from the account. It 's their sophisticated, high-tech way of XXXX customers. It has happened twice involving transactions at two different XXXX locations in XXXX, TX and XXXX, TX, and it is possible that Eagle National Bank and XXXX are COLLUDING to divert their customers ' money and illegally freeze them so that they themselves can use them and profit from them as recorded bank balances and recorded sales respectively, but the customers CAN NOT. Imagine how much money is involved if it turns out that they do this collectively on a regular, MASS-SCALE basis! 
",,Consent provided,Web,2016-03-17,Closed with monetary relief,Yes,No,CR1836706,2144
2016-03-17,Bank account or service,Savings account,"Account opening, closing, or management",,"I had a levy from a debt collector and law firm that is based out of XXXX, placed on my Eagle National Bank Accounts. The levy placed was illegal due to I no longer reside in the state of XXXX, but do reside in XXXX and it is not within the statue of limitations. The levy was released, and only half my money was returned. EN refuses to give me back a {$120.00} fee charged to my account when this action in the first place was not lawful 
",,Consent provided,Web,2016-03-17,Closed with monetary relief,Yes,No,CR1837858,564
2016-03-17,Bank account or service,Checking account,Deposits and withdrawals,,"I wanted to bring to the CFPB the following instance where I think consumer protection needs to be applied. I bank with Eagle National Bank. I utilize on-line banking for Bill Pay and for managing my finances. I have direct deposit and other features which I use on a regular basis. On the interface user platform website that consumers see when they log in to On-Line Bank is the listing of accounts. When you go into each account, you see a snapshot of your account, with summary, account balance, available history and then below that what is processing for that day and what has cleared. When you go to Bill-Pay Screen where customers can make automatic payments, there is outgoing payments box. 

About two weeks ago, I instructed Eagle National Bank to make payments to my children school, each totaling {$3100.00}. I, technically speaking, asked the bank to process and issue a check for me to be paid on XX/XX/XXXX. I also a few weeks ago also asked the bank to process a payment for XXXX XXXX for {$100.00}. Today, I checked my on-line banking account page and saw that my XXXX XXXX payment was "" processing '' and my account was deducted by the {$100.00}. But the payments made by Eagle National Bank to my children 's school for {$3100.00} each were not showing up as "" processing. '' This is a considerable amount of funds that were essentially processed by the bank with a confirmation assigned by the bank for the transition. Yet, my on-line banking balance did not reflect anywhere this deducted amount as of XX/XX/XXXX. 

When I inquired, the Eagle National Bank customer service said that that they do n't on the bill pay side show on the summary account side processed checks that they were instructed to send as "" processing '' nor to they show this deduction anywhere in the on-line bank balance account summary or processing transactions. The only way you would know that these pending transactions were to be posted on XX/XX/XXXX were to go into Bill Pay. Then manually figure out your balance to know that you were not going to overdrawn when ACH clears at XXXX. 

I bring this to your attention because I believe that any bank online user interface should be consumer friendly. No where would I know on my account summary that XXXX checks each for {$3100.00} were going to be debited from my account on XX/XX/XXXX unless I remembered to check my bill pay page. The summary of my account page does not reflect these as "" processing '' payment even though I instructed the bank to send out or process these payments. If I did not have adequate funds or overdraft protection, I might run the risk of over drawing my account without realizing it because my account summary as of XX/XX/XXXX did not show these XXXX pending debits. The bank would then be able to charge me {$35.00} overdrafts and return checks. A consumer would have no way of knowing accurately what there bank account balance is as of the date payments are being sent and processed by the Bnak Please advise and to who I might talk to about this very frustrating and worrisome feature. Bank 's make most of their money off these types of consumer fees but, in fact, so consumers are accurately informed any consumer interface should be clear, accurate and reflect any and all transactions that the bank has been asked to process on behalf of the consumer / customer. I have screen shots I have shared with CFPB about what happened today on XX/XX/XXXX regarding account summary, processing transactions and bill pay. 
",,Consent provided,Web,2016-03-17,Closed with explanation,Yes,Yes,CR1834638,2653
2016-03-17,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX/XXXX/16, I went to Eagle National Bank and made a deposit of {$4300.00}, at a teller station. I was given a receipt with an available balance of {$6400.00}. I then stopped at the ATM as I was leaving the branch and made a {$40.00} withdrawal, followed by an online transfer to another Eagle National Bank customer in the amount of {$2500.00}. Eagle National Bank is now claiming that I did not have sufficient funds in my account for the transfer and is using my overdraft protection and charging my BofA credit card in in the amount of {$500.00}. On XXXX/XXXX/16 I made another online transfer to another BofA customer for approx {$1800.00}, for which BofA is again claiming I didnt have sufficient funds for and is again charging my credit card for a subsequent {$100.00}. This Unfair as I was provided a receipt showing my available balance having sufficient funds for the XXXX transfers. BofA is attempting to increase my credit card balance by {$600.00} unfairly. They should not be allowed to clearly violate both UDAAP and Regulation CC by holding my funds for more than the law allows. Under Reg CC the funds need to be, at a min, available the next day. I have attached both the receipt i was provided and my online activity showing how BofA has processed my transactions. I attempted to call BofA, but they just reiterated what the activity is showing. I 'm sure BofA can look at the daily branch journal ( the deposit slips ), video cameras, to see i was in the branch and made a deposit. I want BofA to correct this error and fix their systems to prevent other unfortunate people from having to deal with this. What if someone does n't have OD protections - then they are hit with fees? How can BofA be allowed to get away with such CRIMINAL activity? 
",,Consent provided,Web,2016-03-17,Closed with monetary relief,Yes,No,CR1836719,863
2016-03-17,Bank account or service,Checking account,Problems caused by my funds being low,,"When you make a loan from your checking account, you are advised that you will be charged a fee of {$35.00}. It does n't state that you will be charged an additional {$35.00} extended overdraft fee if your account has not been brought to a positive status within 5 days. 
",Older American,Consent provided,Web,2016-03-17,Closed with monetary relief,Yes,No,CR1838093,1597
2016-03-17,Credit card,,Balance transfer,,"A few months ago, I took advantage of a 0 % for 18 months balance transfer offer from Eagle National Bank ( EN ) with a initial one-time balance transfer fee. I already had a roll-over balance ( for purchases ) on the card. I 've been paying well over the minimum payments monthly and my interest charges on the roll-over balance have not decreased. I called EN to inquiry about why my interest charges were not decreasing and they informed me that all my payments were being applied to the balance transfer and not the roll-over balance. I thought I was paying toward the roll-over balance. This does not make sense because I performed the balance transfer so I would not have to pay off that balance for a period of time ( interest fee ). I asked if this could be adjusted and they responded "" no. '' I would have to pay the entire roll-over balance in full and eliminate interest. I do n't think this is reasonable. 
",,Consent provided,Web,2016-03-17,Closed with explanation,Yes,No,CR1837182,3303
2016-03-17,Credit card,,Identity theft / Fraud / Embezzlement,,"I am a victim of identity theft. We have been in the process of building a home for 6 months. Our credit was great and then in XXXX we had learned that my scores dropped significantly. I found that someone had opened up XXXX credit cards in my name & maxed them out immediately and now they are very past due.The accounts were all open in XXXX and XXXX and maxed immediately. The debts these thieves have incurred under my name is upwards of {$60000.00}. This is affecting us being able to close on our home and losing {$40000.00} we put down as a deposit. We are older and have no need for these accounts nor did we apply or open any accounts! 
We have a police report and have talked to the fraud dept with all the companies. XXXX of the companies have investigated and determined the accounts were, in fact, opened up by someone OTHER that me and they have removed it from credit and are continuing the investigation. The other companies have not and they are reporting inaccurate and fraudulent information on my credit file. I need this resolved asap please. 
",,Consent provided,Web,2016-03-17,Closed with explanation,Yes,Yes,CR1837936,1033
2016-03-17,Credit card,,Other,,"I just noticed by chance that I had a hard inquiry on my credit report from Eagle National Bank. I did not authorize B of A to do any hard inquires. I spoke with a woman in XXXX about my account that I had since XXXX. I asked specifically, will you do a hard inquiry? I was told to please hold and when she returned she said, No sir, we wont have to do a hard inquiry. I told her good, because if there had to be in hard pull on my report, to forget it. I would n't take a increase over a hard inquiry. She assured me that no hard pull would happen. I did n't see any on any of my credit monitoring agencies so I thought everything was good. 
Today, I happened to be looking at my credit report from XXXX and sure enough, they actually did pull a hard pull. I am now getting the run around from B of A and If they want their increase back fine but DO NOT leave a hard pull on my credit report. I take this very seriously. I wondered by I have an XXXX with XXXX agency and an XXXX with another yet XXXX has me at XXXX. I have worked long and hard to have a perfect score and I am not going to be XXXX over for a small increase on XXXX of my cards. I spoke with a representative and then with her supervisor and they just keep telling me to call my credit bureau. I know it is a load of XXXX and I want it removed from my bureau report, immediately. I did not approve a hard inquiry nor would I jeopardize my credit for a stupid credit increase, when I did n't need it anyway. No one in their right mind would take that kind of trade off. I told t them to either produce the recording of my conversation ( which would prove, I said exactly what I am telling them ) or a written authorization that I signed. Either way, unless they can prove to me that I approved this hard inquiry, I will not except any thing other than, it being removed from XXXX. If they actually have the recording, they will see I am telling the truth. If they do n't have it then they must prove that they stated to me that, they had my permission to access my credit report for a credit line increase. The burden of proof is on them not me. If they indeed spoke a statement to me telling me they would have to do an inquiry to do a credit line increase, please have them show a form letter that they actually had to read to me. At that point I would have said no thank you. I have been asked by many companies If I was interested in a credit line increase and I tell them NO. Just for the fact I know how it impacts my credit score. Only a fool would want a higher credit limit at the risk of a lower score. 
Please make them remove the inquiry and please make sure that they use a form letter that they must read to EVERYONE inquiring into an increase. I think since I have had the account in good standing since XXXX I was due at least one increase in a 13 year period, without having to a hard pull. 
I also have had my checking account with them since XXXX. 
You would think that would be a good enough indication, not a bounced check, not an over draft, not a single error with my credit. I take this matter very seriously. I want this resolved. 
I want them to be held accountable. If they can show proof that I allowed this to happen then I need to see it so I can be institutionalized. Thank you 
",,Consent provided,Web,2016-03-17,Closed with non-monetary relief,Yes,Yes,CR1834487,7010
2016-03-17,Credit card,,Closing/Cancelling account,,"On two successive days, XXXX XXXX, XXXX, I called Eagle National Bank about a fraudulent charge on my credit card account from XXXX XXXX XXXX. The disputed transaction was a {$100.00} charge for what I was told was a free warranty car battery replacement. The B of A representative I spoke with said that because XXXX had physical possession of the card at the time of the charge, no fraud could be filed. I responded that XXXX XXXX had asked to see the card to verify when the failed battery had been purchased, and told me there would be no charge for a warranty replacement. After that, I was transferred to the B of A Fraud department. The man I spoke to said he would file the claim but that he had to send me new cards for family and myself. He said it would take up to ten days. 

When I did n't receive the new cards I called back was told they would get back to me. I never received the cards. When I checked again I was told the account had been closed at my request. Since I never made that request I responded that someone in the Fraud Department must have made a mistake. I was told they would get back to me. Subsequently, I received a letter that the fraud claim had been processed and the charge had been removed from the account. But my account was not re-opened. When I called again the credit card department said they would again request new cards. 

On XXXX XXXX, I called to ask when the card would arrive. I asked to speak with a supervisor. He said the Credit Department had refused me credit. I replied that I had opened my card account in XXXX XXXX, had made over {$50000.00} in purchases since then, had paid my account balance on time every month, have an account surplus of XXXX, and had my credit line increased in XXXX XXXX. He asked about my credit history. I said it was the same as it was when I first applied and received credit in XXXX. He said he would check with the Credit Department and call me back at XXXX the next day. He never did. 

My complaint is : 1. Someone in the B of A Credit department had falsified information to make it seem that I had requested my account be closed. 
2. They then used that falsification to deny me credit in retribution for filing a fraud complaint. 
3. My credit history has remained the same since XXXX. The only bad mark on my credit was a bankruptcy filed in XXXX that had not prevented me from receiving credit from the bank in XXXX. The bank 's action is unwarranted. 
",Older American,Consent provided,Web,2016-03-17,Closed with non-monetary relief,Yes,No,CR1837514,3815
2016-03-17,Credit card,,Other,,"XXXX XXXX, 2016 I made a payment to my credit card online. The balance amount was XXXX. My payment was {$100.00}. I checked my account on XXXX/XXXX/2016 to find the account overdrawn {$10000.00}. Eagle National Bank debit my account for {$10000.00}. 
I called B of A customer service, was told they would submit the claim but it would take 2 to 5 business days. I asked to talk to a supervisor, he repeated the same words. Evidently it is a script they read from. XX/XX/2016 was a Thursday. Today Thursday XXXX XXXX, 2016, B of A still has my money. How can I get my money returned? Thank you for your help. XXXX XXXX 
",Older American,Consent provided,Web,2016-03-17,Closed with monetary relief,Yes,No,CR1836737,2470
2016-03-17,Bank account or service,Checking account,Deposits and withdrawals,,"I was notified from Eagle National Bank that they will begin "" processing transactions chronologically '' instead of processing deposits FIRST on a daily basis, effective XXXX XXXX, 2016. This will result in people who do not have enough money to keep a buffer in their savings account, or have to live paycheck to paycheck, being penalized for being poor. This feels like an attack on the working class, and they are unapologetic about it in the very same notification letter : "" If you rely on deposits posting first to cover your daily expenses, this change may result in more overdrafts. '' It is a crushing and condescending letter that makes me extremely upset. It is my hope that the CFPB can take them to task and get this devastating new policy that will definitely not make one "" More easily manage your personal account. '' Reversed. The letter is signed by "" XXXX XXXX, Senior Vice President '' Thank you for your time. 
",,Consent provided,Web,2016-03-17,Closed with explanation,Yes,Yes,CR1837380,11275
2016-03-17,Credit card,,Billing disputes,,"Target credit card change my billing to electronic from paper bills without my permission. Received a late notice for {$70.00} bill I did not received. Called them to find out what had occurred, CSR was rude could not tell me where my bill was being sent and would not reverse late charge. The larger issue here is my credit score ; I have never made a late payment to Target or anyone else! They have caused a massive data breech recently I would expect them to be more helpful. 
",,Consent provided,Web,2016-03-17,Closed with explanation,Yes,No,CR1837953,4451
2016-03-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,Consent not provided,Web,2016-03-17,Closed with monetary relief,Yes,No,CR1837453,5319
2016-03-16,Bank account or service,Checking account,"Account opening, closing, or management",,"I 'm handling the estate account for my deceased domestic partner. I went to Eagle National Bank on XXXX XXXX, 2016 to withdraw the funds from his account to transfer into the estate account. The helpful and friendly employee helped me submit my initial request and I was told I 'd hear something from them in 7-10 business days. I heard nothing from BofA in the following month. I went back on XXXX XXXX, to see what was going on. BofA generated a letter on that date, which was in the account computer files, accessed by an employee at the branch. I never received that letter from BofA by mail. The same employee helped me submit the rest of the paperwork that was now required. We sent the notarized documents via fax to the appropriate department and I was told I would receive a check in 7-10 business days. I heard nothing from them in the next 5 weeks. I went back today, XXXX XXXX. I worked with the same employee from the second visit. She said that the department was supposed to contact the XXXX XXXX 's Court with a question, but they had failed to do that in the five weeks between visits. She was appalled, helpful and very apologetic. I do not understand why it has taken 3 visits and more than 2.5 months to get this resolved. 
",,Consent provided,Web,2016-03-16,Closed with monetary relief,Yes,No,CR1834427,4790
2016-03-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I set up a personal checking account with a bank XX/XX/XXXX. I had been "" taken '' by a scam artist who wired money into my account, but later, after the account was "" purged '' the bank produced an actual check made out to me and had supposedly my endorsement on the back. After the bank and I realized I had been "" taken '' the manager informed me that I would n't be responsible for the loss but to make sure that this never happens again.I gave the manager as much detailed information about the man, along with contact information, as I could. I was instructed to file a police report, which I did online and received a case number. THIS IS MY COMPLAINT. XX/XX/XXXX, I went to open an account with another bank and I was declined. I requested a report from ChexSystems, which is who they verify possible new customers information with, and I see that I am on ChexSystems for SUSPECTED FRAUD ACTIVITY, Closure Status : UNPAID Original Charge Off Amount : $ XXX.XX with the bank that I had the issue with the scam artist. This is frustrating because I was told not to "" worry about it, just file a police report ''. ( XXXX XXXX PD. XXXX, is the case number ) Well, now I 'm having to "" worry about it ''. When I attempt to call their customer service line, I am on hold indefinitely. Luckily, I have an account opened with another bank, which I had opened before this mess, but I should not be in ChexSystems since this was a case of Fraud Activity and the account was purged. I do not have a history of doing such acts. This must be resolved. 
",,Consent provided,Web,2016-03-16,Closed with explanation,Yes,No,CR1834508,1493
2016-03-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,"The bank we are operating with, has giving us checkbooks with an error in the account number. We have made payments with some of those checks and all of them were not cleared for that reason. As a result of such those mispayments XXXX of our cars hase been repossessed and so far the bank has done little to nothing to resolve this situation. 
",,Consent provided,Web,2016-03-16,Closed with monetary relief,Yes,Yes,CR1835754,101
2016-03-16,Credit card,,Billing disputes,,"I have an account with target I pay my bill on time every month but I have noticed for the past few months when I check my available credit it tells me I have a certain amount then 2 days later it 's gone ex paid XXXX bill on the XXXX went to target spent XXXX on the XXXX I only have {$9.00} available credit called them they told me it was interest for XXXX I asked them is n't XXXX interest included in my XXXX payment and he said yes so the why I see it I 'm paying interest twice. I told him if I have {$200.00} credit available at XXXX XXXX and I spend XXXX I still have XXXX left until my next billing cycle I have never heard of this type billing before 
",,Consent provided,Web,2016-03-16,Closed with explanation,Yes,No,CR1832651,477
2016-03-16,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-03-16,Closed with explanation,Yes,No,CR1832859,274
2016-03-16,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2016-03-16,Closed with explanation,Yes,No,CR1836061,154
2016-03-16,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-03-16,Closed with explanation,Yes,No,CR1834609,8432
2016-03-16,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,Other,Web,2016-03-18,Closed,Yes,Yes,CR1835309,2638
2016-03-15,Bank account or service,Checking account,Problems caused by my funds being low,,"I opened a chaecking account with Eagle National Bank. I had a loss of income and asked the bank to cancel my debit card out. They did not and they continued to allow a fraudlant charge to continue on my account resulting in fees. They closed my account bc of the XXXX in over drawn fees. They labeled my account as FRAUD. I have thus paid the matter. I am not able to open a checking account any where bc of teh FRAUD on my account. Can you help with me getting is removed? 
",,Consent provided,Web,2016-03-15,Closed with explanation,Yes,Yes,CR1833225,9721
2016-03-15,Bank account or service,Checking account,Using a debit or ATM card,,"I received notice that their may be fraudulent activity on my card as there were several purchases in states across the country. XXXX, XXXX XXXX, a truck rental company and a jeweler. Some of those charges were reversed immediate, some not. During that investigation the fraud specialist and I noticed that there were also XXXX {$500.00} ATM withdraws at banks through-out my city of XXXX as well. 

Those ATMs were at the same bank, but not my bank ( EN ). At that point, I was transferred to a claims specialist. The claims specialist took notice of those charges and provided a credit while investigation took place. 

After approximately 4 days it was determined that the fraud claim was refused. Upon calling, they said that it appeared that there was a card in hand during the withdraws. Obviously, I was not traveling across the city on multiple days to multiple ATMs taking out {$500.00} each time -- when there were also odd charges through-out the country. 

I called bank EN and spoke with another claim specialist and she said that the fraudulent charges from different small businesses was not noted in the overall investigation of the ATM fraud claim. Disappointed in their "" investigation '' I asked them to re-open claim due to the obvious gaps in the facts and previous acknowledgement of breach with the first specialist. 

At this point, I am very concerned that I will loose {$2000.00} because they have n't done their due diligence in recognizing the additional charges and their quick to reply refusal of the claim. Also, to send a letter denying the claim is awful customer service. 
",,Consent provided,Web,2016-03-15,Closed with monetary relief,Yes,No,CR1833764,2872
2016-03-15,Bank account or service,Checking account,"Account opening, closing, or management",,"In XXXX of XXXX, there was a Eagle National Bank sign up bonus for a business bank account. It included {$500.00} for signing up for the business checking account, {$500.00} for signing for for an associated business credit card within 60 days, and {$500.00} for signing up for merchant services within 60 days. For the merchant services account, I was told I would be contacted to set it up. After waiting for a month, I contacted ( via phone, email, and in-branch ) Eagle National Bank and was told that I would be contacted shortly. After waiting another several weeks, I contacted Eagle National Bank again, and was again told to wait. I was finally contacted by a Eagle National Bank Merchant Services representative who told me the no-monthly fee Merchant services account that had been advertised was no longer available. I asked to speak to a different representative. I ended up calling XXXX on my own, and did end up setting up the XXXX XXXX account. 

Over the ensuing 6 months, I was charged monthly fees ( that should have been waived due to having a XXXX accounts ) and did not receive any sign up bonus. I had called, emailed, and online chatted with Eagle National Bank many times ( more than XXXX ), and by the start of XXXX of XXXX, I still had not received any bonus. I was finally awarded {$1000.00} of the {$1500.00} total XXXX/XXXX/XXXX. 3 more calls ( each of over 45 minutes waiting on hold for various representatives ), did not result in the other {$500.00}. 
",,Consent provided,Web,2016-03-15,Closed with explanation,Yes,No,CR1832265,765
2016-03-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My name is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX VA XXXX. Phone number is XXXX and email is XXXXXXXXXXXX. My issue is with my Eagle National Bank XXXX XXXX Account, XXXX. I have had this in excess of 10 years, used it at the beginning to consolidate debt, and ever since I have made the monthly payment on time, without fail. In XXXX, I just happened to glance at the monthly billing statement, and saw an available credit which stands at {$30000.00}. Having just took on some large home repair expenses, I contacted Eagle National Bank on XXXX XXXX to ask how I could utilize the available credit, as there is no "" card '' associate with this account. The representative stated I had XXXX options, utilize access checks, go into the branch and take a cash advance or she could transfer me to the balance transfer department to utilize that option. However, this account would be referred to a "" Non Serviceable '' status during XXXX 2016. Asking what that meant, I was informed that the XXXX Option accounts would no longer be offered, this account could not be utilized in any way after that time, and would close when the balance is paid. No problem. The representative indicated that she would send me out access check immediately, which would take a few business days. No problem. A week passed and no check, so I called once again on XXXX XXXX and was told that the representative from XXXX XXXX had not requested the checks. This representative would order the checks, again coming to me in a few business days. I called back on XXXX XXXX to validate, and was told again that the checks were mailed on XXXX XXXX and I should be getting them within the next couple of days. Once again, I asked if the checks are not received, could I go into the branch and obtain a cash advance. The representative stated yes. Also I confirmed that whatever transaction I undertook would be at the 11.99 % interest rate as confirmed on my stated. Again, I was informed yes. To my surprise, a letter came in the mail yesterday which stated that access check would not be sent as they are no longer available. It also stated that "" between XXXX and XXXX 2016, we will be closing all XXXX Line of Credit accounts. '' ( Confirming what the representative had told me over the phone. So, naturally, I contacted Eagle National Bank by phone today ( XXXX XXXX ), to inquire as to what happened, why I was told incorrect information, and if I still had the option of obtaining a cash advance from a branch. Again, to my surprise I was told NO! What is even more frustrating is that this representative told me that if I had called BEFORE XXXX XXXX, then they could have sent me the checks. HOW WAS I SUPPOSED TO KNOW THIS??? I never received ANYTHING in the mail alluding to this fact, nor did any of the previous Eagle National Bank Representatives give me this information. All they told me was YES, when this letter states NO, and the XXXX representative states NO. 
Basically, I find this all very, very misleading. I have an available credit in writing on my billing statement. I have been told by XXXX different representatives that I can utilize said available credit and explained how, even telling me that the requested access check WERE MAILED TO ME, when that is clearly not the case. All to come and find out that I missed a deadline that WAS NEVER COMMUNICATED TO ME, by 1 day in order to take advantage of my available credit. This is the standard definition of false and misleading information both in writing and as communicated by Eagle National Bank 's telephone representatives. This needs to be rectified to my satisfaction with available credit open to use, as clearly saying ugh and sorry IS NOT THE WORLD CLASS CUSTOMER SERVICE THEY SAY THEY WANT TO PROVIDE. CC to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thankyou. 
",,Consent provided,Web,2016-03-15,Closed with explanation,Yes,No,CR1833974,8666
2016-03-15,Credit card,,Credit determination,,"I have been a credit card holder at Eagle National Bank for a while, and I recently applied for joint co-ownership of a travel rewards credit card since XXXX 2015. Every single month when the statement is due my travel rewards account disappears from online account when I sign in. I call them every single month to be able to see it and they assured me this wo n't happen again since XXXX, but they have n't done anything about it. Without being able to see my account online I wo n't be able to pay my payments on time, which I am afraid will affect my credit score. I ca n't even close my account as it will also hit my credit score. So, I am stuck in a quagmire, having to call them persistently every single month, which is hectic and super frustrating. I wish they took serious action towards it and that 's why I decided to complain about the issue. 
",,Consent provided,Web,2016-03-15,Closed with explanation,Yes,Yes,CR1832557,135
2016-03-15,Credit card,,Delinquent account,,"I have contacted Eagle National Bank collections department multiple times regarding a collection of an account. My account went to collections due to loosing my job and going back to school. My total outstanding balances when account was closed was {$600.00} dollars. Some how Eagle National Bank shows that I owe them {$820.00}, which they are willing to settle for XXXX % of what I owe but I only owed {$600.00}. Those junk fees that has accumulated on my account are unfair fees added by Eagle National Bank do to circumstance that I am in as well as trying to have a bigger write off. The bigger the write off is better the tax break that bank receives. I have spoken to XXXX different people since I called. Once they did not even repeat the fact that they were attempting to collect the debt and any information collected will be used for that purpose. Once I told the guy he has not repeated those lines some how the phone disconnected and I had to call back. They told me that they are accelerating my complaint to someone at higher positions than those who answer the phone but I received a phone call today from a number XXXX, who supposed to be a decision maker but the person called me said nothing different than those I have spoken previous to her. I offered to pay XXXX dollars that I have in my account but they are very strict on collecting {$500.00}. I do not understand the fact why a bank not willing to help a client who is willing to pay something for a debt that has already been charged off and gone bad. Is n't the banks supposed to make life easier for their clients when they are in crises or they just take advantage of those who fall behind. I am hoping Eagle National Bank will step up on the plate and help those are willing to work with them and not be such a difficult institution to work with. My complaints is just one of many I am sure. I have done some research online and I see many people are dealing with terrible collection habits adopted by Eagle National Bank collection services. They have a rule if you owe money more than {$1000.00}, they are willing to settle for less percentage and if your balance is below {$1000.00} good luck trying to get any place with them. I am going to have to get some of my friends to help me come up with them money to pay for the difference of {$120.00} dollars that they are asking for but at the end of the day as an human being and past client I will never refer anyone that I know over to the bank and those are banking with Eagle National Bank I will make sure they cut all their relationships so one day they do not fall into the same trap as I have. When they offered me the credit card they were very quick handing it over but resolving the issue they are very slow and seems to me they have adopted the Murphy 's Law as their collection habits. Anything that can go wrong, will go wrong with the collection department. I am hoping this complaint can help others to stay away from Eagle National Bank and I will make sure to write a blog as well with my experience with Eagle National Bank. 

Start treating human beings as human and not cashcow! 

Do not give credit cards to students who have no income! 

Stop trapping young people into your unethical practices and making them your Ginny pig on getting bigger. 

Start hiring people who are actually trying to be helpful to those who are trying to accomplish and willing to pay off an account! 

Change your practices of collecting lower percentage on those who owe more than {$1000.00}, it should be all the same cross the ENrd. 

Make your collection personal really connect people to supervisors when its asked and not pass the phone to someone sitting next to them. I could over hear them laughing about my situation on the phone which was very rude. 


God Bless America! 

Thank you for understanding me Mr. Eagle National Bank. 
",,Consent provided,Web,2016-03-15,Closed with monetary relief,Yes,No,CR1832347,1228
2016-03-15,Credit card,,Billing statement,,"I set up my on-line account with my Eagle National Bank [ XXXX XXXX XXXX ] account to withdraw "" the amount due '' from my account each month, meaning ( I thought ) the statement balance. For three months in a row Eagle National Bank only withdrew the minimum payment of {$25.00}, and charged me interest on the unpaid balance. 
Each month I called and asked them to correct it, and they reversed the fees. This month I called to complain and a courteous employee explained that "" amount due '' on their website options meant "" minimum payment plus fees and interest. '' That is not the ordinary meaning of "" amount due '' and no previous employee had bothered to mention that to me. I believe this is a strategy to prevent people from paying off their balances when due and incurring expenses interest charges. 
",Older American,Consent provided,Web,2016-03-17,Closed with explanation,Yes,No,CR1833159,1204
2016-03-15,Credit card,,Transaction issue,,"In 2014 I received several unsolicited phone calls and got sucked in to the "" work from home/online business scam ''. I paid several companies enormous fees and specifically paid these related companies : XXXX and XXXX XXXX a combined total of {$19000.00}. I have attempted resolve my complaints directly with them and have been completely ignored. After learning my rights as a consumer, I know that these transactions can be disputed but based on the transaction dates I was informed that they are too old to dispute. 
",,Consent provided,Web,2016-03-15,Closed with explanation,Yes,No,CR1832830,1283
2016-03-15,Credit card,,Customer service / Customer relations,,"Yard Card has been giving my husband and I the run around in terms of statements, payments, and a recent attempted balance transfer. When we first purchased our mower and had it financed by Yard Card, they never sent us a statement for our first payment. I finally found the number for the company, and when I called, I just made a payment over the phone. That is pretty unprofessional. Then, I called in XXXX 2015 to make a payment, and it stated I had "" {$0.00} Minimum Payment Due '', so I assumed I had already made the payment. Then, a month later, I get a letter slapping us with more late fees, and they removed all of the available credit we had, so we were technically in the negative. I tried to transfer my Yard Card balance to a XXXX XXXX and the payment was accidentally sent to the incorrect address, so I, along with a representative from XXXX XXXX XXXX, did a 3 way conference call with a representative from Yard Card to sort the matter out. We told them what happened ( the payment was sent to an address for the company who ISSUES Yard Card, which is EN Bank N.A. ) and they provided the rep from XXXX with the correct address to send the balance transfer check to. My payment was due on the date we spoke with the Yard Card rep, so I asked if they would be willing to waive the late fee since I had never requested a late fee removal before. The "" supervisors '' refused to waive the late fee, and said XXXX was responsible for reimbursing me because their balance transfer check was sent to the wrong address. SO, I went on my way and waited for the other check to be sent to Yard Card from XXXX to pay off my balance. My due date approached AGAIN ( a month later ), and I called Yard Card because they were still showing no balance transfer. They immediately sent me to the collections department, and told me that they do n't accept balance transfers. They only accept payments from a personal checking account! WHAT?! Someone literally talked to me AND a XXXX rep regarding the balance transfer. I requested to speak to a supervisor and the rep from Yard Card said there were "" no supervisors '' ( although I had spoke to one the first time I called about this balance transfer ) and she refused to let me talk to someone else. She said the only thing she could do for me is "" take my payment '' and I was given incorrect information regarding them accepting balance transfers. I kept telling her I needed to speak to a supervisor or I was reporting them, and she did n't seem to care. She just rudely sent me back to the main line that says : "" For instructions in XXXX please press XXXX. Please enter your account number '' so she did n't have to deal with me being right and her being wrong. So here I am again, with a payment due that I was n't planning on having to make today. {$240.00} worth to be exact. I am beyond upset. This company is giving people the run around and they need to be shut down. I wish I would have looked at the reviews online before agreeing to finance through them. So many people are having the same problems as we are. I am appalled and upset ... .and I 'm a pretty calm person. They are crooks and try to collect as much money as they can from people, while being very unethical. I am not perfect by ANY means, and I have had a couple instances where I was a day or so late on payments ( either from calling the automated system too late or not noticing my payment was due on a weekend day ). I just want my balance transfer accepted so I can get rid of Yard Card! XXXX sent them a check - how hard is it to deposit a check? I 'm pretty sure they are ruining our credit score now as we speak. PLEASE help me resolve this matter. They are preying on innocent people and need to be shut down! **Discover is currently doing an investigation on the matter and filed a dispute* 
",,Consent provided,Web,2016-03-15,Closed with monetary relief,Yes,No,CR1832165,4633
2016-03-15,Credit card,,Billing statement,,,,Consent not provided,Web,2016-03-16,Closed with explanation,Yes,No,CR1833557,3143
2016-03-15,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2016-03-15,Closed with explanation,Yes,No,CR1831986,550
2016-03-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-03-15,Closed with explanation,Yes,Yes,CR1833116,1026
2016-03-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-15,Closed with monetary relief,Yes,No,CR1832726,326
2016-03-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-03-15,Closed with explanation,Yes,No,CR1832992,3270
2016-03-14,Bank account or service,Checking account,"Account opening, closing, or management",,"I 'm deputing the information with Eagle National Bank, back in XXXX I close my account with them. Because Eagle National Bank was charging me ridiculous fees of {$1100.00} amount on my accounts, I close my accounts and lift them XXXX XXXX, XXXX. And my accounts were in a positive status. 
A year later, I try opening up account with other banks and the banks would tell me that I was not approve, but I 'm thinking it has something to do with just my credit score being low. But has time progressed I notice from then I would have to check my credit report to found out about checking my credit score, and on my credit report. Eagle National Bank had the these large ridiculous fees of {$1100.00} on my credit report and XXXX. And so I decided to try to find by calling Eagle National Bank XXXX XXXX, XXXX, so the lady that I spoke with were in the XXXX. are telling me now that I have XXXX accounts XXXX now, not including the large amount for {$1100.00} .these fees are back in XXXX, XXXX 
",,Consent provided,Web,2016-03-15,Closed with explanation,Yes,No,CR1830464,2729
2016-03-14,Bank account or service,Checking account,"Account opening, closing, or management",,"I held an account at Eagle National Bank that had no fees. I only use this account to auto-pay my mortgage and a couple of other Bill Pays. I was notified late in the year last year that my account was negative. I immediately got online to see what was going on to find out that my debit card had been compromised. I am to this day not sure how that happened considering the debit card was in my safe at my home & had not been used in over 3 years. Never the less after reviewing my account I realized they had charged me a {$25.00} "" account maintenance '' fee. After investigating further I went into a branch to close my account. They told me ( even though I was the ONLY customer in the branch ) it would be in excess of 1 1/2 hours before they could help me & that I could call in to close it. So, I withdrew all of my money and proceeded to call from the parking lot. The phone agent at Eagle National Bank told me that I had entered a branch XX/XX/XXXX and switched my account to a kind that charged a fee. I demanded to know which branch as I had not been in a Eagle National Bank Branch in over 4 years! After putting me on hold for 10 minutes she advised she could not tell me and that the switch looked strange to her. I advised her I had not been in a branch since XX/XX/XXXX and that I have NEVER received any notification via mail or email stating my account was changing. Since this was an account that I only use for XXXX-XXXX transactions a month I never reviewed my online statements which is why I did not demand a refund. I did, however, advise that I would be filing a complaint so that they could not do this to anyone else. 
",,Consent provided,Web,2016-03-14,Closed with monetary relief,Yes,No,CR1831727,4590
2016-03-14,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a Eagle National Bank core checking account XXXX 2016 in response to an email offer that provided a bonus of {$100.00} if XXXX direct deposits of at least {$250.00} each were made within 90 days of account opening. It also says that after meeting the requirements "" EN will make every attempt to deposit the bonus within 60 days. '' However, after questioning EN reps two times now via chat, I 've received conflicting information. Some say there was no chance of the account even being considered for the bonus until 90 days have passed, some can not tell me what bonus my account is coded for, if any. I was even lead to believe by the first representative that I should see the bonus within a week. That has not happened. I understand that I 've met the terms as of XXXX/XXXX/16 ( my XXXX qualifying employer direct deposit ), so I would look for the bonus by XXXX/XXXX/16. No one has provided that date, and instead make it seem like EN could wait months after. If that was the case, they should have stated so in their offer. I just want the date I will receive the bonus, otherwise, I am sure I would have ended up submitting a complaint after another several weeks of being given the run-around after XXXX/XXXX/16. 
",,Consent provided,Web,2016-03-14,Closed with explanation,Yes,No,CR1830094,13290
2016-03-14,Credit card,,Delinquent account,,"I 've had a credit card with Eagle National Bank for 8 years. In the last few months I was having trouble making my payments. I called in and requested assistance and was told the assistance offered to me would make my payment hire. I then spoke with an associate about a settlement and decided that would be something I would like to do. After agreeing to the settlement, I did more research on the topic to make the best decision for myself then decided I would rather pay the loan in full and keep the card and acct. I called in to cancel the settlement and to advise I would like to pay in full. The representative repeatedly agreed that would be the best choice. She later told me I could n't cancel the settlement. Her manager later got on the phone and completed the cancel action in a few minutes. The next day, my account was charged off. I advised I only canceled the settlement due to my preference to pay in full. The representative told me she could put in a request to reverse the charge-off and scheduled a payment for approx. {$6500.00}. I advised I believe the full balance to more than that. She reassured me it was n't. I later called back in and asked a gentleman to confirm my balance the previous representative gave and he too told me the balance was approx. {$6500.00}. This morning I called to request a status on the charge off and was advised I had a balance of approx. {$1100.00}. I then got transferred and was advised of a $ XXXX balance. I walked her through my desires to resolve the account in full and have the charge off removed and my card reactivated. She adjusted the payment I have scheduled for XX/XX/XXXX to reflect the full $ XXXX but I still do n't know if doing this I will still have a charge off on my credit report. I 've been a customer of Eagle National Bank since I was XXXX/XXXX years old. I initially asked for assistance and could n't receive any. Now, acquiring the funds to repay my debt has turned out to be frightening and disappointing. I am currently in a charge off status. I am out of XXXX dollars and have nothing to show for my ability to repay my debt. Instead of securing a promise to pay for the payment in full, the agent decided to charge off my account. I do n't feel appreciated as a customer and I do n't believe Eagle National Bank truly is interested in me doing the right thing. I can remember the agent on the phone when I expressed my desires to payoff the account in full asking me ... '' if you have money to payoff the account, why not continue to make your payments? '' What kind of company with any kind of morals would say that to a customer? At that point, I personally felt like their goal was to continue to get interest payments from me instead of putting my best interest first and helping me resolve a debt I owe. 
",,Consent provided,Web,2016-03-14,Closed with non-monetary relief,Yes,Yes,CR1830807,2160
2016-03-14,Credit card,,Billing disputes,,"Just signed up for a new credit card for a second optional card for both myself and husband. It was Eagle National Bank, XXXX XXXX Visa. Used it less than 2 months and I sent in one payment in full that was done by bill pay from my bank. The bank says they sent it, Eagle National Bank says theydo n't have it and I am out the money but being charged a late fee and a {$75.00} user fee per card even though I cancelled the XXXX cards, plus they want the {$150.00} again. 
",,Consent provided,Web,2016-03-14,Closed with monetary relief,Yes,No,CR1829993,2382
2016-03-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Other,Web,2016-03-28,Closed with explanation,Yes,No,CR1830635,691
2016-03-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-03-14,Closed with explanation,Yes,No,CR1831336,3928
2016-03-13,Credit card,,Identity theft / Fraud / Embezzlement,,"I signed up for the XXXX credit card with Eagle National Bank. Initially, they were unable to get my name right in three tries. 

Their fraud detection system is extremely weak. It flagged XXXX of my purchases as fraudulent, and then when XXXX fraudulent transactions happened over 2 days, it did not flag any of them. 

Furthermore, when I called to report the fraud, I was forced to wait 20 minutes on the phone -- and the initial customer rep could not even process this fraud report and put me on hold for 30 minutes for escalation. 

Their service department is clearly understaffed relative to other banks, and their fraud detection system is the weakest I have seen. 
",,Consent provided,Web,2016-03-13,Closed with monetary relief,Yes,No,CR1829947,519
2016-03-13,Credit card,,Payoff process,,"In XXXX I entered into an agreement to settle my credit card debt with them for less than the amount owed. I talked with them, we came up with a settlement amount, which would be over the {$600.00} reporting amount for a Form XXXX. I said that I would like to avoid that, and after calculating what the increase would be, I called back and discussed the terms, asking and making sure that these payments would avoid the Form XXXX After being told that the payment plan would avoid the form, I entered into a settlement agreement and the payments were made on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX to complete the terms. After completing the terms and payments, I assumed this was settled. 
On XXXX XXXX, I received a Form XXXX from Eagle National Bank for a discharged debt of {$670.00}. Concerned why I received that, I had to look up their number as the customer service number did not help answer my questions. After calling a general number, I was transferred to XXXX that I was told set up the settlement. I set up a dispute with them after explaining the entire situation, that I was very clear and was told I would avoid the Form XXXX with my increased payment. I was told it would take a week to process. At the end of the week, I called back, and was told that there was no response yet, but a second dispute would speed the process along. So I filed that one week after the first. I also asked to speak with a supervisor, and XXXX XXXX called me back on XXXX/XXXX/XXXX at XXXX XXXX from Eagle National Bank. 
I started calling more frequently, and was then told that the dispute process would take 30 days That was not what I was originally told, and would not be expedited like I was told the second time. Approaching the 30 day mark on my original, that dispute was cancelled, and only my second one, filed a week later remained. 
On XXXX, I received a call from XXXX XXXX from the Supervisor 's Office with my reference case ID number. I called back after, and talked with XXXX XXXX. XXXX XXXX told me my dispute had been closed and the Form XXXX would stand as issued. I explained my situation again, and asked where I would go from there. As with everyone I spoke with, I said I specifically stated my intentions, was told that my payments would avoid the XXXX. I asked how to get a copy of the call, and he said XXXX people set up these settlements to avoid this situation, that I was mistaken. I again asked how to get a copy and he asked what he would hear if he listened to the call. I again stated that my question was, setting up the payment plan for the additional amount would avoid a Form XXXX. He said he could see my original call when setting up, and he would listen to it. He sounded confident that I was wrong, but would listen to the call and if there was a bank error, he would acknowledge it and work to fix it. He said that he would put me on hold and listen. After waiting, he returned and said he could hear that I was correct in my recount of the call, and said that he felt the bank had made an error. He would look into what needed to be done, and would contact me towards the end of the following week, around XXXX/XXXX/XXXX. 
Today is now a week past that point, and I am getting closer to needing to file my tax forms. I want this issue resolved. XXXX supervisor I spoke with asked what the cost of filing with the XXXX would be? I feel now this is the attitude of Eagle National Bank. I set up the settlement with very specific and asked if what I was doing would avoid this. Is there anything that I am able to do to remedy this situation? 
",,Consent provided,Web,2016-03-13,Closed with explanation,Yes,No,CR1829986,6691
2016-03-13,Credit card,,Billing disputes,,"Target Redcard is reporting false credit information to the following Credit Bureaus : XXXX, XXXX and XXXX. 
I filed Chapter XXXX Bankruptcy on XXXX XXXX, 2016 : Case # XXXX Target Redcard reported that I was 30 days past due as they did not get my payment for XX/XX/2016. 
I have XXXX accounts with Target RedCard. 
They reported past due Since my Chapter XXXX Bankruptcy on XXXX XXXX, 2016 I was not obligated for future payments and the XX/XX/2016 payments were not due and they reported past due. 
",Older American,Consent provided,Web,2016-03-13,Closed with explanation,Yes,Yes,CR1829871,2175
2016-03-12,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX XXXX, 2016, I received a letter from "" Eagle National Bank '' stating as follows : "" After a careful review, we 've made a decision to close your account above ''. This was a total surprise for me. 
I have had XXXX accounts with Eagle National Bank for over 10 years ; XXXX business accounts, XXXX saving accounts and XXXX personal checking accounts. 
I called the bank to find out what it was ; I received nothing but rude answers that the bank has the right to close the account. I called the back office business support ; they said they had no idea why it happened. My accounts were never overdrawn, I never wrote a bad check, I kept a total balance that was for the most time at XXXX figures. I have a perfect credit with recent score of over XXXX. 
I can only conclude that my information ( and others ) at the bank was compromised, and the bank in order to avoid any liability asks to close the account. Or alternatively, the type of accounts that as agreed pays almost no fees may not profitable to the bank. I can not find any other conceivable reason. 
I am seeking help to force the bank to give me the reason for the closure of my accounts. 
Upon search on the internet, I found out that there numerous people with similar situation, where Eagle National Bank took the liberty to close their accounts without a given reason. 
I am open to show all my bank statements, with all transactions, and all supporting documents for any underlying transactions that took place in my account. 
I think this issue should be presented to all State authorities that regulate banks in my case the State of Florida, as well as government agencies. 
Thanks 
",,Consent provided,Web,2016-03-12,Closed with explanation,Yes,Yes,CR1829452,217
2016-03-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XXXX/XXXX/2016 I erroneously paid {$1800.00} to Visa credit card account using the Eagle National Bank ( EN ) online website.This amount was displayed as the amount owed on the drop down menu. After I clicked on the pay button, I realized that {$1800.00} was the amount that I had paid to this credit card last month. {$250.00} was actually the amount that was owed. When the {$1800.00} amount was posted as credit balance to my Visa account on XXXX/XXXX/2016. 
On XXXX/XXXX/2016, I called the EN XXXX Customer Service number and interacted with an automated assistant that was able to determine my mistake and informed me that my overpayment would be transferred back to my account at EN from which it was withdrawn. 
On XXXX/XXXX/2016, {$1800.00} was posted to my EN Visa account as a Credit Balance Refund Debit. 
OnXX/XX/2016, I called the EN XXXX Customer Service number and asked why {$1800.00} had not been posted to my EN Checking account from which it came. The EN assistant answered that it takes 3 to 5 days to complete the transaction. I then asked why it took 3 to 5 days to transfer the money from the card account to the my Checking account but only took 1 day to transfer from my Checking account to my card account. The answer was that EN had certain procedures. I then asked to speak to a supervisor. When the supervisor got on the phone, I was told that procedure to 3 to 5 days and nothing could be done about that. I then asked to speak to the supervisor 's boss and was told there was no one else available. 
My complaint is that when I make a mistake, it appears in EN 's favor in a day but it takes 3 to 5 days to correct the the mistake. EN website prompted the mistake by displaying an erroneous amount. Why was a payment that I had already made still showing as an amount owed. This information is kept on a computer and should updated promptly.",Older American,Consent provided,Web,2016-03-12,Closed with monetary relief,Yes,No,CR1829579,4488
2016-03-12,Credit card,,Credit line increase/decrease,,"I have been a Target REDcard Visa cardholder since XX/XX/XXXX. My credit limit on my account was {$2700.00}. I have always maintained my account in good standing. I paid my account down to a XXXX balance in XXXX XXXX and did not use the card to make purchases for more than a year. Target updated their cards with the new chip technology and mailed me a new card to activate. Upon activation I noticed that Target had reduced my credit limit from {$2700.00} to {$200.00}. When I called Target to inquire as to why my credit limit was reduced, I was informed that Target 's company policy allows them to reduce and/or close cardholders accounts after 13 months of inactivity. I was floored. I asked to receive this information in writing and was told that Target can not send me this policy that apparently is tied to my credit agreement with them in writing. Essentially, Target is penalizing cardholders for NOT using their available credit AND they are NOT informing cardholders that this is a requirement or part of their credit agreement. By reducing my credit limit from {$2700.00} to {$200.00} Target has now negatively impacted my creditworthiness and credit score with consumer reporting agencies and said that in order to keep the account open I have to purchase something on the card. This is a deceptive, very predatory and unfair business practice! How can Target be allowed to do this? I was never notified that I was in jeopardy of my credit line being reduced or the account being closed due to inactivity. I 've been a cardholder for almost 10 years and now I am being forced to incur additional debt when I do n't want to or have the account closed by Target which will significantly and negatively impact my credit score. 
",Servicemember,Consent provided,Web,2016-03-12,Closed with explanation,Yes,No,CR1828430,8670
2016-03-12,Credit card,,Bankruptcy,,"In XXXX 2015, I faced a Chapter XXXX bankruptcy after years of financial hardships due to unemployment. My ENRCS/Rooms to Go account was a part of the bankruptcy to be reaffirmed at the principal balance of {$300.00} after removing several late payment fees. The account was paid in full, as agreed, in XXXX 2015. However, after over 6 months of repeated correction requests, ENRCS/XXXX continues to report inaccurate information to the credit bureaus in violation of the Fair Credit Reporting Act. First, they reported the account was included in the Chapter XXXX and not reaffirmed. Now, they report the account as paid but with a negative payment history from XXXX 2015 to XXXX 2015. The account was no longer past due after the XXXX 2015 bankruptcy filing, was reaffirmed, and paid in full as agreed.",,Consent provided,Web,2016-05-09,Closed with non-monetary relief,Yes,Yes,CR1829401,4049
2016-03-12,Credit card,,Identity theft / Fraud / Embezzlement,,"Some body took it total money from my credit card withdown my outhorizationn now is invertigation for 3 months and I do n't receive any answer from the Bank. 
",Older American,Consent provided,Web,2016-03-14,Closed with explanation,Yes,No,CR1829718,4140
2016-03-12,Credit card,,Identity theft / Fraud / Embezzlement,,,,Other,Web,2016-03-12,Closed with explanation,Yes,Yes,CR1827889,9675
2016-03-12,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-03-12,Closed with monetary relief,Yes,Yes,CR1829449,1778
2016-03-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-12,Closed with explanation,Yes,Yes,CR1829738,12221
2016-03-12,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-14,Closed with non-monetary relief,Yes,No,CR1829561,280
2016-03-11,Bank account or service,Checking account,"Account opening, closing, or management",,"i had opend a account with Eagle National Bank and i deposited a check that was sent back me not knowing the other party had no money. then without warning they closed it so i called and i got no reason just that it was closed for that reason. pleasehel. told me to contact person my self. 
",,Consent provided,Web,2016-03-11,Closed with explanation,Yes,Yes,CR1828645,992
2016-03-11,Bank account or service,Checking account,Deposits and withdrawals,,"I went to the Eagle National Bank on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX at XXXX today, XXXX/XXXX/2016. 
My mom and my sister double counted the cash I was depositing right before I went into the bank, it totaled {$10000.00}. We have counted and triple checked the amount was correct. When I got to the teller to deposit, I told the teller ( Tlr XXXX ) I am depositing {$10000.00} and gave her the deposit slip. Then I gave her XXXX envelopes, each containing {$5000.00} each. The white envelope had paperclips, each paperclip totaled {$1000.00}. 
1st paper clip : XXXX x {$100.00} 2nd paper clip : XXXX x {$100.00} 3rd paper clip : ( XXXX x {$20.00} ) + ( XXXX x {$10.00} ) + XXXX ( x {$50.00} ) 4th paper clip : XXXX x {$100.00} 5th paper clip : ( XXXX x {$50.00} ) + ( XXXX x {$20.00} ) + ( XXXX x {$10.00} ) + ( XXXX x {$100.00} ) The yellow envelope had a rubber band around all the XXXX x {$100.00} bills. The teller took out all the cash from the envelopes and separated the money. She separated by different bill amounts, {$100.00}, {$50.00}, {$20.00}, and {$10.00}. I could n't really see what she was doing behind the counter. I had to look over to the machine to see it was {$9600.00} before she said anything and then I asked her, it 's short? And she said yes, it 's {$9600.00} instead of {$10000.00}, I became concerned and called my mom. And I asked her to run it by the machine again. I leaned over to look and she separated the bills and let the machine count each {$100.00}, then she added the {$50.00} and {$20.00}, etc., counting each bill separately which I found weird. I can barely hear her speak, I had to ask her what she said two times. 
She asked me to change the number on my deposit slip and to initial it. I could n't help but think where did the {$370.00} disappear to?! We had counted it over 10 times, by XXXX different people right before going to the teller. Everything was in the envelope and inside my fanny pack that never left my body, and it added up to {$10000.00}. I left the bank thinking maybe it 's at home?? I would 've never thought it could possibly be the teller stealing. Then maybe it could be the machine that counted incorrectly. I called the bank and a lady named XXXX stated to call back at XXXX XXXX or they will call me back when they have counted their 'drawers '. XXXX XXXX came, and XXXX called me stating the cash were counted correctly to the transaction, matching the amount in their system. 
Then that 's when I started thinking what if the teller had taken the money, it would n't be in the drawer. I started googling instances where teller would steal the deposit money and a lot of the situations came up and XXXX in XXXX where a teller working at XXXX XXXX was arrested for. I started to worry and I 'm afraid that branch would not assist any further especially when I was accusing the teller of stealing. I wanted them to look at the surveillance camera. Please help to look into this Eagle National Bank branch, XXXX XXXX XXXX, XXXX. Thank you 
",,Consent provided,Web,2016-03-11,Closed with explanation,Yes,No,CR1825597,4371
2016-03-11,Bank account or service,Checking account,Deposits and withdrawals,,"On Monday XXXX, 2016 I deposit an IRS check totaling the amount of XXXX this check was made out to my husband and my self ; I deposit the check into XXXX of our account with both of ours names ; I received a deposit receipt confirming the deposit. The very night i received am email advising the total amount of the check was cleared and available to us ; On Tuesday morning i receiving an email and text from the bank advising my account is overdrawn. I contacted the bank and was told our check was placed on suspension and to call back at XXXX. We spent the entire day on XX/XX/XXXX going to XXXX branches to trying to get this sorted out ; to no avail still no resolution.I spoke to a manger as i acquired several overdraft fees and several payment to creditors was in jeopardy in been return by the bank ; I was assured the bank will refund all overdraft fee and will mail a letter for me to provided to my creditor that states due to a banking error my account was affected. This never happen I spoke to megan a manger who ill informed me and did not act in good faith to correct this banking error ; the bank still did not correct the issues i was told a escalated resolution center will be looking into the matter and the money should be deposit in my account within 24-48 hours this never happened I called again on XX/XX/XXXX and i was told the check was mailed out to me on XX/XX/XXXX the same day i deposit the check ; the manager i spoke with was apologetic but had no solution to offer expect that i should added an middle initial of XXXX to my name as this was the only issues he noted with the check ; my name does not appears like this on my check book or my driver license ; he stated when i get the check in the mail i might encounter the same issues although ; I am angry ; as this is not only affect my relationship with bank but also my outside creditor and credit score as i made payment to many account that the payments will be late or returned. I was told by the manager that my check was put the mail ; it appears that the the resolution and adjustment department did not address the issues. Instead the case was and closed without an explanation. I have to wait until the XX/XX/XXXX for my check to be mail to me. In addition i am concern that this large check can go lost in the mail and who will be responsible at at point. I need help this is not right it has effected my entire family plan and my financial well being. i am concern about my credit score and creditors. 
",,Consent provided,Web,2016-03-11,Closed with monetary relief,Yes,No,CR1826755,3303
2016-03-11,Bank account or service,Savings account,Deposits and withdrawals,,"On XX/XX/XXXX a "" Small Balance Adjustment '' of {$.00} was made on my account. After spending 45 minutes of my time and speaking with XXXX, who transferred me to XXXX, who transferred me to XXXX who transferred me to supervisor, XXXX I could not get a resolution. XXXX informed me someone from escalations would return my call within 24 hours. This is the third occurrence of this nature. On XX/XX/XXXX a "" Small Balance Adjustment of {$1.00} was taken from my account and again on XX/XX/XXXX another "" Small Balance Adjustment of {$1.00} was taken from my account. After spending hours of my time trying to resolve the issue I submitted a complain to the Consumer Financial Protection Bureau on XX/XX/XXXX. Per conversation with XXXX XXXX from Eagle National Bank ( XXXX XXXX ). he informed this was a computer glitch and it would be resolved by XX/XX/XXXX. The XXXX "" Small Balance Adjustment of {$1.00} each were returned to my account. If this computer glitch was resolved by XX/XX/XXXX why is it still happening on XX/XX/XXXX? I was informed by your customer service representative that I am not the only person having this problem, like this should make me feel better. Why do I, as a Eagle National Bank customer have to spent my time addressing the same issue month after month. You, as Eagle National Bank employees get paid for your time. No one pays me for the time I spent trying to resolve this issue. I need a reason this keep happening and what you are doing to resolve the issue. Sorry, but a computer glitch does n't satisfy me because that does not seen to be the problem. 
",,Consent provided,Web,2016-03-11,Closed with explanation,Yes,No,CR1827788,4415
2016-03-11,Credit card,,Closing/Cancelling account,,"Around the first week of XXXX I tried using XXXX of my Eagle National Bank 's credit cards and the transaction was declined. Then I tried using a XXXX Eagle National Bank credit card and that transaction was declined. I called the credit card company customer service line and I got a lady with a XXXX accent. I recorded the conversation. She informed me that my cards were fine. After I told her about the transactions declined, she look into it more and said the accounts were suspended due to late payment. First of all I paid the XXXX account that was late on the same day they so called suspended it. The other account was never late as there was an auto draft on my checking account for its payment. 

I went into the branch on XXXX XXXX in XXXX to get further information the next day. I was informed that my credit cards were closed. They never once sent me any notice they were going to close my accounts. After talking with the rep she called the credit people and ask them to reopen my accounts as they were current. 

Today I when I arrived home, I had XXXX letters declining to reopen my accounts. In XXXX letter they claim they pulled my credit report which I specifically revoked any consent of doing so at the bank. This is a violation of the FCRA. 

I want someone from Eagle National Bank to reopen my accounts and let 's continue to do business. 
The account numbers in reference are XXXX XXXX and XXXX XXXX 
",,Consent provided,Web,2016-03-11,Closed with explanation,Yes,Yes,CR1825996,2592
2016-03-11,Credit card,,Closing/Cancelling account,,"I am in the process of purchasing a home. A critical task to qualify for the mortgage is to remove my name as an authorized user for the Eagle National Bank credit card, account number XXXX. I contacted your office on XXXX/XXXX/16, requested to be removed and for written conformation to be faxed or emailed so that I could provide it to the mortgage company. For whatever reason, you stated that you could not fax or email the letter and that you would have to mail the letter confirming the removal. After waiting three weeks, I contacted your office again on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16, to request written confirmation. Since you failed to send anything after the first request, I demanded, and you agreed, that fax the letter directly to the mortgage company and mail it again. The faxes never went through and I have not received it in the mail. Without this letter, I will not qualify for the mortgage ; I will suffer financial losses and lose out on purchasing the home of my choice. I do not understand why you can not scan and email this very simple letter and why you would treat a valued customer in this manner. I would like the letter scanned and emailed to me immediately. 
",,Consent provided,Web,2016-03-11,Closed with explanation,Yes,No,CR1828154,3861
2016-03-11,Credit card,,Billing disputes,,"I try to replace my lose of XXXX due to relocate from XXXX to XXXX on XXXX/XXXX/2016, in order to get the new drive licence and passport. I accidently log on XXXX which has a Liberty Statue and looks like a real government cite, I did not doubt and asked to prepay {$170.00} to get start the process. I provide my credit card information and follow the questions, I did not notice this cite is not government official cite until my daughter gave me the XXXX web cite. We found out it only require to write the check {$340.00} filing fee for the Form XXXX, I call XXXX to XXXX XXXX XXXX ( XXXX ) for asking why I have to pay extra {$170.00}? I just got the answer of yes, I have to pay extra {$170.00} to process the filing form. Then I call Eagle National Bank billing dispute department ( XXXX ) to stop payment {$170.00} and mail me a new credit card, the associate told me it 's pending now, I have to wait 5-7 business days call back to get the refund and EN will protect customer 's right. I call back yesterday XXXX/XXXX/2016 and the associate told me the only way to get the refund is to call XXXX. I call several times waiting for the chance to get the answer from XXXX, XXXX offer refund {$80.00} from staff then {$120.00} from supervisor and I have to drop the dispute filing and provide EN XXXX name and phone number first. I call EN again and associate wo n't give me the name, he remind me the better way is to drop the case and I will expect to get no money back. I call uscia.gov the agent gave me XXXX then contact consummerfinance.gov to get help. I had been suffer frustrating calling EN and XXXX several times, I do n't know what to do, please help me to get my {$170.00} back. Basically, I just mislead to prepaid XXXX own money {$170.00} and fool around to gave away all my personal information to XXXX, my daughter help me to apply the XXXX Form XXXX with {$340.00} check via certified mail on XXXX/XXXX/2016. I did not have service from XXXX and EN did not protect customer from fraud dispute. 
",,Consent provided,Web,2016-03-11,Closed with monetary relief,Yes,No,CR1828044,2748
2016-03-11,Credit card,,Transaction issue,,"I wanted to make a purchase that was more than my credit limit. I contacted the company and was told that I should pay the amount of the purchase to them in advance, then they would approve the over-limit purchase. I sent an EFT that was credited to my account. When I tried to make the purchase, the charge was declined and FIA Card Services told me there was no way to approve a purchase over my credit limit. I asked them to send the money back. So far they have not done so. They are keeping my money ( {$50000.00} ) under false pretenses. 
",,Consent provided,Web,2016-03-11,Closed with monetary relief,Yes,No,CR1829274,311
2016-03-11,Credit card,,Credit card protection / Debt protection,,"On XXXX XXXX, 2016, XXXX notified Eagle National Bank, my credit card issuer, that my account was compromised. It took 6 days until XXXX XXXX, 2016, for Eagle National Bank to notify me. I asked where and when the compromise took place. Eagle National Bank refused to provide me with that information. I asked why it took 6 days for Eagle National Bank to notify me of the compromise. Eagle National Bank refused to provide me with that information. 
",,Consent provided,Web,2016-03-11,Closed with explanation,Yes,No,CR1827009,4433
2016-03-11,Credit card,,Other fee,,"Re : Foreign Transaction fees charged by Eagle National Bank While making travel arrangements I recently had occasion to make purchases that apparently were processed in XXXX even though the companies involved do business in the United States. XXXX was the tour company XXXX and the other was XXXX. I was disgusted to see how much I had to pay in foreign transaction fees : a total of {$87.00}. This is not to mention other fees I have paid in the past for clothing ordered from a company in XX/XX/XXXX that does business in the US. 
I consider these totally unjustified charges. B of A is already making a profit from the fees charged the companies using their services. How can they justify charging the customers as well especially since these companies do business in the US and I paid in dollars? 
",Older American,Consent provided,Web,2016-03-11,Closed with explanation,Yes,No,CR1828551,3969
2016-03-11,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2016-03-11,Closed with non-monetary relief,Yes,No,CR1825588,4773
2016-03-11,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-03-11,Closed with explanation,Yes,No,CR1828017,3875
2016-03-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-11,Closed with explanation,Yes,No,CR1826082,1836
2016-03-11,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-03-11,Closed with explanation,Yes,Yes,CR1829213,1904
2016-03-11,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-03-17,Closed with explanation,Yes,No,CR1827695,12850
2016-03-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Other,Web,2016-03-11,Closed with explanation,Yes,Yes,CR1825832,2094
2016-03-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-15,Closed with non-monetary relief,Yes,No,CR1825930,130
2016-03-10,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank is not taking adequate steps to protect the security of my account and is improperly assessing overdraft fees. On XXXX XXXX, a charge of {$7.00} was made to my checking account, a charge that I did not authorize. The statement said that the charge was made to a "" XXXX XXXX '', a person I do not know and do not recognize a business relationship with. 
I went to the nearest Eagle National Bank branch in order to dispute this charge. The person I spoke to at Eagle National Bank called another department at Eagle National Bank about the charge. The person on the other end of the line claimed that it was a charge from XXXX XXXX. I was told that I would not be allowed to dispute the charge because "" XXXX would n't lie '' and that I would need to call them regarding the charge. I was also told that Eagle National Bank would not reverse the overdraft fee regardless of whether or not they believed the charge was false. 
I do have service through XXXX, but when I called them afterwards they confirmed that any charges to my XXXX account would not be charged directly to my checking account, and that the XXXX charge was not their doing. 
Even if this charge was legitimate, I do not believe Eagle National Bank should have authorized it. I have opened a bank account elsewhere, as my relationship with Eagle National Bank has deteriorated beyond all repair due to another issue I am having with them. I am keeping my account open with Eagle National Bank for the sole purpose of receiving my direct deposit checks, and as soon as the change is processed will be closing my account at Eagle National Bank. I am keeping a low balance in my account and not even using my debit card. There was no other activity on my account on XXXX XXXX, and I had about {$2.00} in the account at the beginning of the day. Even is this were a legitimate charge, it should not have been paid to begin with, as there was not enough money in the account to cover it. 
",Servicemember,Consent provided,Web,2016-03-10,Closed with explanation,Yes,No,CR1826219,160
2016-03-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I 've been a member of the Merrill Lynch Wealth Management Group since XX/XX/XXXX. Recently, I transferred to the Merrill Edge Adivisory Group located in XXXX, Arizona. As result of this transfer, they ca n't locate the beneficiary paperwork on my IRA and nor my Statement on my Trust Account for XXXX XXXX. I spoke to the XXXX XXXX Financial Advisory Team on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX to receive this information. They said ca n't retrieve this information. 
",,Consent provided,Web,2016-04-04,Closed with explanation,Yes,No,CR1825053,4774
2016-03-10,Bank account or service,Checking account,Deposits and withdrawals,,"In XXXX and XXXX 2016, I filed two complaints with CFPB against Eagle National Bank in XXXX XXXX California ( XXXX and XXXX ) and for some reason I was quickly locked out of my account ... Therefore I could not get in to receive updates on this process ... okay restore my account information. 
",,Consent provided,Web,2016-03-10,Closed with explanation,Yes,No,CR1823893,9173
2016-03-10,Bank account or service,Checking account,Deposits and withdrawals,,"On XX/XX/2016 I make a Deposit in my Eagle National Bank business account XXXX XXXX # XXXX for {$1300.00}, on XXXX/XXXX/2016 Eagle National Bank make unauthorized withdraw total XXXX from my account, claiming for XXXX ID:XXXX XXXX, I did not authorize Eagle National Bank to make on with draw from my account. can you help please? 
",,Consent provided,Web,2016-03-10,Closed with monetary relief,Yes,Yes,CR1827082,387
2016-03-10,Bank account or service,Checking account,"Account opening, closing, or management",,"XX/XX/XXXX I became aware that I received several checks regarding EN class action lawsuits between XX/XX/XXXX - XX/XX/XXXX. I was n't aware of the checks being sent to me because during the time I was undergoing XXXX treatment for XXXX ( XXXX and XXXX ). I had no one to aid me with my day-to-day living during that time, which resulted my being incoherent of many matters beyond very basic needs for myself. 
I discovered the outdated checks XX/XX/XXXX/XX/XX/XXXX as I was packing to move back to Florida. I was horrified as began opening them and realizing that these checks were in my possession all this time - roughly XXXX envelops - give or take. 
I called the phone number that was listed in the letter attached to the checks, but it was a dead number. Bombarded with various emotions, from frustration to sadness, I began tearing up the checks and trying to rid them from my site. In the midst of this act, I regained my barrings and decided to hold on to what I had in order to try to retrieve the money that once I settled in Florida. 
XX/XX/XXXX I called Eagle National Bank customer service regarding this matter. I was given a number to call about the settlement ( s ). I called it only to realize that it was the same dead number that I called before from the letters. Feeling deeply discouraged again, I discarded the remaining checks in hopes of being able to move forward and put this behind me. However, XX/XX/XXXX, I explained to one of my health care providers the situation and how I was still bothered by missing this money. She told me to not let this go because I genuinely have a good reason why I was n't aware that is documented. She gave me the phone number to the FDIC and a few other financial consumer agencies. She advised that if I am unable to obtain results through my own efforts that t I should retain attorney. 
When I called the FDIC, the representative advised me to appeal to EN again providing them details of the info I shared above ( I provide extensive details upon my 1st contact ) before pursuing complaint or legal actions. Upon contacting EN a 2nd time and providing them with more information about my situation, the rep gave me XXXX addresses to write to requesting that they provide accommodation due to XXXX. I mailed certified letters to the addresses that I was provided ( proof attached ). XXXX of them came back return to sender and the other was a letter telling me to write to the address that I mailed previously that came back to me "" return to sender '' and the phone number that I had previously that was dead. 
At this point I called the FDIC back. The agent gave me the phone number to one of the administrators - XXXX XXXX - for one of the suits against EN and the federal agency that regulates EN. I called the XXXX, XXXX XXXX, who confirmed that there were XXXX checks that they sent me. The rep gave me an address a different address in XXXX MN to request accommodation reissuance due to XXXX. However, when I told him that there were more than XXXX checks I received, he said that he did n't know how what to tell me in how to hunt down other checks ... perhaps google it ... and that maybe "" he 's told me too much already ... ''. He said that XXXX XXXX is a neutral firm only responsible for disbursing payments, however, that statement is questionable. I mailed certified letter to new address : Unclaimed Property Account, c/o XXXX Overdraft Unclaimed Property in XXXX MN, regarding the XXXX checks Rust Consulting confirmed I was sent.. However, I know that there were more than XXXX checks sent to me. As if today I have n't heard anything. I found a check from XXXX a couple of days ago ( attached ). 
To summarize - EN is uncoorperative and are not straightforward about settlement. Please help me. 
",,Consent provided,Web,2016-03-10,Closed with explanation,Yes,No,CR1823507,11637
2016-03-10,Credit card,,Closing/Cancelling account,,"According to XXXX XXXX XXXX XXXX, credit cards can be removed 6 years 9 months after closure of account. The following accounts should be removed from my reports : XXXX XXXX, XXXX, Eagle National Bank, and Eagle National Bank. It has been more than 6 years for each of the accounts. I want them removed. 
",,Consent provided,Web,2016-03-10,Closed with non-monetary relief,Yes,No,CR1826346,325
2016-03-10,Credit card,,Payoff process,,"I went online to Eagle National Bank ( EN ) credit card website to payoff the full amount due. The website indicated that the full amount due was {$7100.00}. There was nothing on the website to inform a consumer that paying the full amount indicated would not fully pay off the account. I made the payment for the full amount and believed I now had a zero balance on this account. As I had closed the account a number of years ago, my intention was to no longer have to make any additional monthly payments. To my surprise, instead of the next account statement showing a XXXX balance - it showed that I owed and additional {$38.00} due no later than XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, I called EN and spoke with a customer service representative, "" XXXX. '' She transferred me to her supervisor, "" XXXX XXXX, '' who identified himself when asked, as a "" supervisor of the agent team. '' XXXX XXXX acknowledged that there is nothing on the website that explains to a consumer who wishes to pay the amount necessary to result in a zero balance on the account that the amount shown as due, on the day that the consumer signs onto the account, is NOT the actual amount that must be paid to XXXX out the account. 
XXXX XXXX explained that despite this failure to inform the consumer on the website, EN refuses to credit the {$38.00} because somewhere in a revised terms of service, which he said was sent out in XX/XX/XXXX, it explains that if the consumer wished to pay off the full amount owed, the consumer must call EN to find out the real account balance. 
I explained to XXXX XXXX that the failure to provide this information on the website -- in the "" Pay This Card '' dialog box that pops up to allow the consumer to click on the "" Make Payment '' button, and enter an amount to pay, is misleading. I asked that the {$38.00} be credited back to the account such that the next statement would show a XXXX balance, and he refused to do so, again restating the explanation in the paragraph above. 
",,Consent provided,Web,2016-03-10,Closed with monetary relief,Yes,No,CR1824230,13539
2016-03-10,Credit card,,Unsolicited issuance of credit card,,"On XXXX/XXXX/16, I called Eagle National Bank to change my platinum plus rewards card to a travel rewards card. The rep that I spoke with said that I had to open a travel rewards card and transfer the credit line from the old account to the travel rewards account once I got the card. The rep explained to me that the bank viewed my account as a whole credit line and not as separate accounts. The rep said that when I got the travel rewards card that my account credit line would be slightly reduced by the amount of the credit line that they gave me on the new card. but, he stated that once I received my new card, I could call in and have the entire credit line moved from the old account to the new account and I could close my old account. 

On XX/XX/XXXX I received my new card and proceeded to call Eagle National Bank to transfer my credit line but was told by the rep that I was unable to do that and that I could only do it once my balance was paid off or paid down enough to transfer the amount due. I told the rep that that was not what I was told when I opened the account. So I spoke with her manager, XXXX and she said that she could n't do it as well. But she did open a case XXXX and said that she escalated my problem and that they would investigate it and give me a reply by next week. I told her that I believed that her bank committed fraud by promising one thing and not delivering once I opened the new account. I told the manager I would file a complaint with the ftc. 
",,Consent provided,Web,2016-03-10,Closed with explanation,Yes,No,CR1825795,3742
2016-03-10,Bank account or service,Checking account,Problems caused by my funds being low,,"I consider myself to be a smart and responsible consumer. I was recently charged for XXXX overdraft fees by Eagle National Bank. I keep a record of my purchases and also check my balance online daily. I made XXXX purchases/payments to XXXX XXXX on XXXX/XXXX/16. This left me with approximately a {$10.00} balance. When I checked my account on XX/XX/XXXX everything was fine. On XX/XX/XXXX the XXXX aforementioned payments came out but only after a unauthorized charge of {$130.00} hit my account on XX/XX/XXXX. I spoke with the company that charged me and immediately deposited {$130.00} to cover that even though it should not have been debited as a recurring charge. I also had XXXX negligible charges also prior to XX/XX/XXXX that did not post until XX/XX/XXXX. I contacted Eagle National Bank online. I was told I would receive an email response with 24 hours. 48 hours later I had no response. I emailed again. I finally received a response which stated the fees were valid. I walked into my local branch. I explained what happened. I asked them to look at my record. The representative stated they do n't process transactions in the order they come in, they process them high to low. Had that unauthorized charge of {$130.00} not hit my account first, I would n't be facing XXXX overdraft fees totaling {$140.00}. I consulted a friend in banking who said it was a common practice but some banks were changing this. This is not an ethical practice. This is a greedy money making practice for big banks to prey on hard working consumers. The bank refused to issue me credit for the fees. I will no longer be banking with Eagle National Bank. 
",,Consent provided,Web,2016-03-14,Closed with monetary relief,Yes,No,CR1827028,1162
2016-03-10,Credit card,,Late fee,,"My wife signed up for a Target Red Card credit card since we are ( or were I should say ) frequent target shoppers. I signed up online for autopay and then the website managed to not register that I had signed up. Sure enough when I get the bill 2 months from then ( the first month I assumed would be taken care of ) it became clear that their website did n't register that I had signed up for autopay. So I went online and signed up a 2nd time. now it 's few months after that and we realize that they are still charging late fees because their website managed not to register the autopay a 2nd time. I spent 2 hours on the phone with them. The person refused to hand me off to a supervisor. Blamed me for not paying close enough attention to the bills ( which kind of defeats the purpose of autopay ) and did nothing. Please open an investigation to see if this is a widespread scam -- or really only for us and a few others. If you look online there are tons of complaints about the redcard and their lack of oversight. Thank you 
",,Consent provided,Web,2016-03-10,Closed with explanation,Yes,Yes,CR1827426,526
2016-03-10,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-03-10,Closed with monetary relief,Yes,No,CR1824789,1115
2016-03-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-10,Closed with monetary relief,Yes,No,CR1825075,407
2016-03-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-10,Closed with explanation,Yes,No,CR1824963,2741
2016-03-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-03-10,Closed with explanation,Yes,No,CR1826864,30
2016-03-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Dear Consumer Financial Protection Bureau : I am here to file a fraudulent charge, and poor customer service claim from both "" XXXX '' and Eagle National Bank ( EN ). On XX/XX/XXXX, I had a fraudulent charge on my bank account from XXXX in XXXX XXXX, IL. I called Eagle National Bank that day, reporting the issue, and informed them that my debit card was compromised. In the end, a claim was put through, and it was found that the charge was fraudulent, and that I would receive credit back into my account. I officially received the credit on XX/XX/XXXX. As of XX/XX/XXXX, I received a notice in the mail from "" XXXX XXXX '', saying that they disagree with the transaction, and are charging me with the same amount of the fraudulent charge. On XX/XX/XXXX. the charge will be transferred to a collection agency. 

On, XX/XX/XXXX, I called XXXX explaining the issue, and they did not listen. So, I went to Eagle National Bank to solve the issue again. The first representative completely understood my problem, and recommended that we do a three-way call with "" XXXX XXXX '' to get things in order. Once again, even with the Eagle National Bank customer service representative explaining that XXXX is in the wrong, XXXX still refused to drop the charge. According to XXXX, they said that a grocery deliver was confirmed on the date of the charge, and that I owe them. The Eagle National Bank representative was not happy, and decided to transfer the XXXX representative and I to the claims department of EN. 

Once I explained my part, and the representative from XXXX explained their side, the claims department from EN, even with the obvious evidence that XXXX is in the wrong, AGREED with XXXX, and said that I owe XXXX their money. 

To this date, XX/XX/XXXX, XXXX has sent me fraudulent evidence over an e-mail, listing the charges and the grocery bill. Yet, under the policy that XXXX has established, there needs to be evidence, when the delivery is made, that a signature from the consumer is provided to confirm the delivery. In the paperwork they sent me, my signature is NOT on the evidence. Needless to say, this is wrong, and this is financial abuse. Please let me know as soon as possible if anyone can help me. This is a very unusual situation, and like most consumers I ca n't afford to have a disruption in my finances. Please help. 
",,Consent provided,Web,2016-03-09,Closed with explanation,Yes,No,CR1823984,3087
2016-03-09,Credit card,,Credit line increase/decrease,,"I have had a credit card with EN for over 17 years ; and this is about the 10th time they have lowered my limit, due to me paying it off in full. We all fall on hard times, however, EN takes advantage of their consumers. They lie about sending their consumers letters stating that they lowered their credit limit. This is the last time they will do this to me, I will play the {$1000.00} I owe them and close the card. I have always paid my bills on time, and I have most of my bills taken out automatically. However, with EN, I have nothing but problems with their on line credit card service, either, I ca n't pay it on line, because of their system being down, or some other reason. Yes, I may have paid it late, however, in my defense, after taking care of my best friend who was XXXX for 2 years, there may have been a delay in going back on line to EN because 2 days ago, I could n't get on line. My other credit cards, which I only have XXXX more, do not have a problem with their on line banking, my mortgage, XXXX XXXX XXXX, car payments are all automatically taken out every month. I have a score of above XXXX, and just because I paid EN most of my credit balance, they checked my credit and lowered my limit from {$4600.00} to {$1500.00}. Now in my eyes this is deliberate, they did this a number of times to me, as soon as I pay off a big chunk or the whole balance, they pull my credit report and lower my balance. So, XX/XX/XXXX I had {$4600.00} in a credit limit, today in XX/XX/XXXX I am down about {$3000.00} in my credit limit. I have spoken to them and they gave me the story that they check credit every 6 months, well if they did that, about a year ago, they should have lowered my credit limit, as I had a tenant leave my home, I was neck high in bills using my cards and my score was lower than today. So, why not bring my credit limit down a year ago, why XX/XX/2016, when my scores are higher, and my bills are lower. I am so tired of EN 's deceptive credit card practices, they need to be investigated, as on Consumer affairs, there are XXXX 's of complaints. I am not happy that EN keeps hitting my credit, and I still ca n't believe that they lowered my limit due to me paying it down. Is it because they are losing money on me, no more ridiculous interest charges. Checking my credit and lowering it, make my credit score lower, and that makes me very unhappy, as I cherish my good credit scores. Because of EN, if I need to apply for a leased car, which I have to in about 2 months, I will have to pay a higher monthly payment, as they will see that EN lowered my limit, and makes a hard inquiry on your credit report. 
",,Consent provided,Web,2016-03-09,Closed with explanation,Yes,No,CR1824709,4090
2016-03-09,Credit card,,Identity theft / Fraud / Embezzlement,,"I was not allowed to dispute a XXXX dollar charged on my account. The charge was from XXXX. The charge is not authorized. The charge is for a pen scribble on a white chair. My wife and I noticed the pen mark when we checked in. The room was free and my card was swiped foa a "" XXXX hold for incidentals '' .I never signed anything and I was not notified of the charge and I never agreed to my card being used as a limitless security deposit. XXXX Eagle National Bank MasterCard I should be permitted to dispute this unfair and unauthorized charge per the fair credit trade act 
",,Consent provided,Web,2016-03-09,Closed with monetary relief,Yes,No,CR1822437,2866
2016-03-09,Bank account or service,Checking account,Deposits and withdrawals,,"I am a victim of fraud. I did go online to be a mystery shopper and was contacted to a assignment for XXXX XXXX. I was XXXX a check {$1900.00} for my assignment. I went to Eagle National Bank in XXXX Florida and deposited this check. After several days I call Eagle National Bank to verify if this check was even good. I spoke to a financial Representative she stated that this check DID CLEAR. again I asked it cleared? Again she stated IT CLEARED. I then went to the same EN Branch to withdraw money to complete this assignment in the amount of {$1600.00}. I was called again from this MYSTERY Shopper if I would be able to complete another assignment. Again, XXXX brought me another check with another assignment Went back to the same branch at EN an made a deposit.. Waited several. days called again XXXX # and this time they said the check did not clear. That evening I received a letter from Eagle National Bank that the 1st check was fraudulently written. EN mandated me to get my account in good standing and deposit money. I did this immediately. I was angered about this I called the XXXX number and went round and round finally got a supervisor she listened to the tape and she admitted that Eagle National Bank Rep did say it "" CLEARED '' that they EN were going to refund {$930.00} to cover my deposit and XXXX return check fee. This was very nice, but I had in this account {$710.00} before all this took place, she was unwilling to return this amount. I found this to be inaccurate and unjust if Eagle National Bank admitted fault. they should have returned all the monies. I am requesting that XXXX be returned from EN into my account.. 
",,Consent provided,Web,2016-03-09,Closed with monetary relief,Yes,No,CR1823811,4930
2016-03-09,Credit card,,Payoff process,,"After missing a couple of payments in XX/XX/XXXX, on XXXX XXXX, XXXX Target Cards called me to set up a payment plan for my unpaid balance. The initial agreement was made for about 12 months @ $ XXXX/month set up for automatic bill pay from my checking account. On XXXX XXXX, XXXX Target Cards then sent me a form and phoned me and arrangements were for them to continue to debit my account in a new amount of $ XXXX/month, I also agreed to this on a 4 year term, through payoff of the credit card. I was called again by Target Cards on XXXX XXXX, XXXX at which time they wanted to set up an agreement through XXXX XXXX in the amount of $ XXXX/month. I was confused by their phone call because we had made a 4 year agreement 3 months previously but trusted they knew what they were talking about. While on an extended trip away from my home dated XXXX XXXX, XXXX, Target Corporate Services sent a letter stating there were revised terms as of XXXX/XXXX/XXXX, "" The current monthly payment {$33.00} will remain in effect indefinitely, and will not expire. '' Please keep in mind, I have at no point refused these automatic debits/ cancelled any payments/ nor switched accounts or banks. On XXXX XXXX, XXXX I received another letter from Target Visa Credit notifying me my account was past due, I called them immediately and they had already turned the account over to a collection agency, XXXX. An agreement of $ XXXX/month for 2 years was then made with XXXX, I once again agreed to have the money automatically drafted, supplying my account information, yet again. I received my last statement from XXXX XXXX XXXX, XXXX stating they had taken their payment from my account, however, their statements show no balance. Communication ceased until I received a letter from XXXX XXXX on XXXX XXXX, XXXX, apparently another collection agency seeking {$280.00} due by XXXX XXXX, XXXX. I have not responded to their attempts to communicate and feel I have given due diligence in my many attempts to pay off this debt. Throughout the XXXX agreements made my bank account information never changed, I never refused payment, and payments were never returned due to insufficient funds. I believe I have communicated and positively agreed each of the five times Target and CBE sought to collect money from me. My credit has now been impacted negatively by their inability to offer competent payment agreements and I am not willing to make yet another agreement, number six. Furthermore, because these arrangements were terminated prematurely, I have suffered monetary loss by the compounded interest rates. 
",Older American,Consent provided,Web,2016-03-09,Closed with non-monetary relief,Yes,No,CR1822208,2815
2016-03-09,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-03-09,Closed with explanation,Yes,No,CR1823620,3995
2016-03-08,Bank account or service,Checking account,Deposits and withdrawals,,"Hello, I am a customer with Eagle National Bank since XX/XX/XXXX. 

All the following checks are from my credit union account to my Eagle National Bank account. 

precursor : XX/XX/XXXX, I used the mobile app to deposit a check of {$500.00} or so successfully. Later on that month, I attempted to use the same mobile app to deposit a XXXX check in the amount of {$10000.00} to the same account. The mobile app advised me that that there was a limit of {$10000.00} deposited into an account per month. I deposited a XXXX check of {$1000.00} into the account, to pay bills. 

SInce, I had a second account also at Eagle National Bank, I tried to deposit the {$10000.00} check into that account. Due to poor foresight on my part, I only had {$9500.00} remaining in my Credit Union account ( after the {$1000.00} check cleared ). Thus the {$10000.00} check bounced due to in sufficient funds. Ok, my fault, both financial institutions charged me their fees. 

Now in XX/XX/XXXX : I made sure I had sufficient funds in my Credit Union account and wrote myself a check for {$9000.00} and deposited it into Eagle National Bank on XX/XX/XXXX using the mobile app on Android. 

On XX/XX/XXXX, I find that there is a Hold placed on my deposit at BofA and the hold will clear only on XXXX. Huh, are we back in the dark ages? 

On XX/XX/XXXX morning, I go to my credit Union and I find that BofA has not yet presented the check to them to be cashed. On XXXX XXXX evening, I find that the funds have been withdrawn from my credit union account. I verify on XX/XX/XXXX night as well as XXXX morning that the Eagle National Bank has not yet credited my account for the {$9000.00}. I have an online chat with BofA representative and am told that the hold will clear on XX/XX/XXXX. This is harassment by Eagle National Bank, they have the funds and are taking an interest free hold till XX/XX/XXXX, and I do not have access to my own monies. 

Please help. 
",,Consent provided,Web,2016-03-08,Closed with non-monetary relief,Yes,No,CR1823144,635
2016-03-08,Bank account or service,Checking account,Problems caused by my funds being low,,"I was charged an overdraft fee by Eagle National Bank, even though when I checked my account online it was not overdrawn until after the fee was applied. When speaking to a Manager on the phone, I was informed that it was a specific transaction that overdrew my account. Upon hanging up, I immediately checked my account to find that, according to my mobile banking app, that transaction left me with {$55.00} in my account. This is not the first time Eagle National Bank has charged me an overdraft fee when the only charge that put me below a {$0.00} balance was the actual overdraft fee. This is, however, the first time they have absolutely refused to refund me my money. It was suggested that I explore "" keeping a check ledger. '' It is also convenient that {$50.00} transferred from my online savings account, which stated they 'd transferred the money on XXXX/XXXX/16, did n't appear in my Eagle National Bank account until XXXX/XXXX/16 - after they 'd charged me the fee.I suggest that Eagle National Bank not charge people for overdrafts that have n't actually occurred. 
I have opted in for an email notification anytime my balance goes below {$25.00} or is overdrawn. However, at XXXX XXXX I was charged for an overdraft but was n't notified via email by EN until XXXX XXXX. 
Any help you can offer is appreciated. 
",,Consent provided,Web,2016-03-08,Closed with monetary relief,Yes,No,CR1822729,3908
2016-03-08,Bank account or service,Checking account,Deposits and withdrawals,,"My name is XXXX XXXX and I have had my bank account with Eagle National Bank ( "" BofA '' ) about 20 years. XX/XX/XXXX I opened another account for my niece XXXX XXXX. On or about XXXX XXXX, XXXX an unknown individual deposited a check in the amount of {$3000.00} and {$300.00} into my niece 's account at one of the of BofA 's ATM machines in XXXX XXXX, California which breached the account. As soon as XXXX checked her account ending in XXXX and saw that it was overdrawn by over {$3000.00} she immediately contacted BofA. I received an email notification that the account was overdrawn and I contacted BofA. XXXX spoke to a BofA representative and filed a claim, and I spoke to a representative later on XXXX XXXX, XXXX and they assured me that I had {$0.00} liability. The representative advised us to contact them within 48 hours after they had investigated the claim. XXXX filed the completed claim forms number XXXX and XXXX XX/XX/XXXX. 

The charges were reversed on or about XXXX XXXX, XXXX but subsequently reversed back sometime XX/XX/XXXX. XXXX and I contacted BofA again around XXXX XXXX, XXXX after we discovered the reversal and spoke to a XXXX XXXX. We were informed that the claim was denied because the investigator saw some pattern and somehow the perpetrator had the PIN number, but the investigators had not reviewed the video footage to achieve this denial. At this time XXXX . XXXX 's informed us that we would need a police report or subpoena to have BofA review its own video footage. We advised BofA that it was ridiculous that the client would need to obtain a subpoena in order for BofA to pull its own video footage to truly determine the identity of the person who perpetrated the fraudulent activity instead of basing it on a "" pattern. '' XXXX . XXXX 's advised me that she would resubmit the claim for reconsideration and we confirmed that XXXX would obtain a police report, which she secured on or about XXXX XXXX from the XXXX Police Department. The police report was submitted to BofA on or about XXXX XXXX, XXXX. XXXX followed up with BofA again and was informed that the back office was still reviewing the resubmitted claim. 

On XXXX XXXX, XXXX I spoke to a BofA representative, XXXX XXXX and was advised that BofA still had not reviewed the video footage but that they had again denied the claim. I received a notice that {$1000.00} was transferred from my primary account ending in XXXX into XXXX ' account ending in XXXX to replace some of the funds that were withdrawn fraudulently. This caused my account ending in XXXX to become overdrawn. Of course I called and spoke to a representative but they were unable to help me. As of today my primary account ( XXXX ) is overdrawn due to the unauthorized transfer of funds as well as XXXX ' account ending in XXXX due to fraudulent behavior that was carelessly investigated and claim denied. 

In this day and age the BofA investigator making a decision because of a PATTERN is ridiculous. Scammers and criminals are undeniably sophisticated and if they can breach XXXX, XXXX, IRS, the Social Security Administration, XXXX XXXX XXXX, surely BofA understand that a debit card and checking account can easily be breached. XXXX and I DISCLAIM any responsibility, knowledge or involvement in this breach and I expect BofA to honor its policy to me of {$0.00} liability. 
",,Consent provided,Web,2016-03-08,Closed with explanation,Yes,No,CR1822255,4505
2016-03-08,Credit card,,Billing disputes,,"During my vacation. I rented a home XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX through XXXX. I agreed to and paid XXXX {$730.00} for the six night stay. In the property description, it was stated that "" all rooms had air conditioning and that there was staff on the island dedicated to taking care of all of your needs while staying at our house. '' Upon my arrival, the home was not cleaned and I turned on the air conditioner in the bedroom and it did not work. I contacted the owner and told him that there was an issue with the air conditioner. This was via text. He replied stating that the cleaning lady would be there and she would look at the air conditioner. I stepped out the get dinner and returned only to find that the air conditioner had not been addressed. I called XXXX XXXX and left him a voicemail as well we sent him a text stating that the issue was not resolved. I never heard back from him. I tried calling the cleaning lady repeatedly as well and no response. The next morning I tried calling again both the cleaning lady and XXXX XXXX and no response. I then contacted XXXX to let them know there was a problem and they said I had to deal directly with the owner. I then sent the owner and the cleaning lady a communication that I would vacating the home and that the key would be in the lockbox. I also let XXXX know that I was vacating the home because it was to hot to reside in. 
I ended up checking into another hotel at a much higher rate due to the fact that I had no advance time. 
That same morning I contacted Eagle National Bank to dispute the {$730.00} charge minus the one night stay of {$99.00}. I wanted a partial chargeback of {$630.00}. 
I would like to file a formal discrimination complaint against Eagle National Bank because I feel my dispute was not treated fairly and not properly reviewed. 
Thank you very much for your time and consideration. 
",,Consent provided,Web,2016-03-08,Closed with explanation,Yes,No,CR1821968,814
2016-03-08,Credit card,,Billing disputes,,"I had a phone appt with XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX explaining about his debt management program. He requested for a {$1000.00} fee upfront over the phone before he can show me his powerpoint presentation through shared computer screen. He never declared that {$1000.00} is a non-refundable fee. Prior to the phone appt, XXXX XXXX did mention about {$1000.00} guarantee if his program did not meet our goals and that {$1000.00} will be refunded. I did not understand how that works considering that I have not yet signed up for his program. After the phone appt and powerpoint presentation, I specifically requested for a copy of the powerpoint presentation for our further review to understand his program better considering that the phone was conducted through third party, video phone interpreting and that there was a lot of information which overwhelmed me and my partner. XXXX said he will send me the powerpoint presentation which I never received. He did schedule another phone appt with his assistant for follow up on XXXX XXXX and I did keep the appt to answer her questions for program set-up and she sent us an email with e-docs during the phone call. I did specifically tell her that I am still waiting to receive the powerpoint from XXXX and it has been 2 days. I told her that we will not sign the contract until we receive the powerpoint and told her not to charge upfront fee of {$1000.00} on our credit card until she receives our signatures. She said ok and will follow up with XXXX. I never heard back from either of them on my request and 3 days have gone by. On XXXX XXXX, sometime early afternoon around XXXX, I called XXXX XXXX and he answered my call. I told him of our decision to withdraw our application into his program as we never received his powerpoint per my request since XXXX XXXX call. Approximately XXXX 3 hours later on XXXX XXXX, I received copies of all credit card charges of {$1000.00}, {$4000.00} and {$1000.00} from XXXX XXXX. I noticed the charges were made on XXXX XXXX without my approval except for {$1000.00}. That prompted me to send him an email soon after that questioning him why he charged me {$4000.00} and {$1000.00} without my authorization and I requested him to refund an entire amount of {$6000.00} XXXX {$1000.00}, {$4000.00}, {$1000.00} ) immediately. ( I do question his tactics since he waited until 3 days to send me receipts of the credit card charges after the fact I called to withdraw my application for his program. ) XXXX XXXX did respond back apologizing that I was not clear about these charges. He did try to explain in his email which was still not very clear to me. I further requested to have a phone appointment for clarification and he agreed to talk with me on XXXX/XXXX/15 to discuss the charges and refunds. I talked with XXXX on XXXX XXXX to work out an agreement to refund my money. First I discussed about my authorized charge of {$1000.00} and offered to pay him {$97.00} for his time he did with me and my partner and refund the rest of {$930.00} which he said he will think about it. Three days later, he responded back via email informing me that he will not accept my refund request. Please note the timing of XXXX response to my original claims on charges of {$4000.00} and {$1000.00} which he did not respond on the same day I disputed my claims with my credit card company, Eagle National Bank on XXXX XXXX or XXXX. Three weeks later, he disputed my claims around XXXX XXXX. He originally did not dispute my claims until he received a letter from my lawyer. The letter from my lawyer clearly angered him and decided to dispute my claims for the services he never rendered to me and my partner. Eagle National Bank reviewed the details of my disputes, they were unable to pursue my dispute further and placed these charges against my credit card. I sent an appeal letter and the Bank said it can not intervene in situations involving a merchant 's cancellation policy. 
",,Consent provided,Web,2016-03-09,Closed with explanation,Yes,No,CR1820320,1406
2016-03-08,Credit card,,Billing disputes,,"I ordered plane tickets and hotel rooms on my Visa Signature XXXX card. We had to cancel XXXX tickets and buy another. That is not the original issue, although it will come up later. I called to pay the updated bill on the XXXX/XXXX/16 even though the billing date on the statement I received was XXXX/XXXX/16. I got the corrected number and was transferred to the payment department. They tried to charged me the amount for the canceled tickets plus interest. After we got the balance corrected, they still tried to insist that we pay interest, even though we were before the bill due date. After arguing for a while, they conceded the interest and we tried to pay the full amount of XXXX. However, my debit card had a limit of XXXX. So we told them we would call back in a day or so to pay the rest of the charges. 

So when we called back on XXXX/XXXX/16 to pay the remaining XXXX. They again tried to charge me for the tickets I had canceled ; we cleared that up, eventually. Then they tried to insist that I owed them interest BECAUSE I had made a partial payment on XXXX/XXXX/16. They wanted {$20.00} in interest from XX/XX/XXXX-XX/XX/XXXX, equaling {$5.00} a day. On top of that, they continued to insist that there might be more charges if I did n't pay the interest that I was disputing. I told them that I would not be paying the extra charge and ended the phone call without finishing my payment of XXXX because they had made me so upset. 

On the statement they sent me, it states clearly that : "" We will not charge interest on purchases on the next statement if you pay the new balance total in full by the payment due date, and you had paid in full by the previous payment due date. '' I did not have a previous balance and the due date had not passed. 

I will be trying to pay the undisputed amount again without paying the interest. However, I wanted to make sure someone knew what they were trying to do. 
",Older American,Consent provided,Web,2016-03-08,Closed with explanation,Yes,No,CR1822256,165
2016-03-08,Credit card,,Other fee,,"In XX/XX/XXXX BankAmericard began charging a {$59.00} annual fee. I opted out of the change in terms which meant I would pay off the balance under the prior terms. However, I was charged the {$59.00} fee in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. For some reason they did not charge me in XX/XX/XXXX, but I have never been refunded for the other 4 years of fees and related interest charged on those fees. I have complained each year which is probably why it did n't get charged in XX/XX/XXXX, yet nothing has been done to correct the prior billing. I want to pay off the balance now but am not going to pay these fees totaling {$230.00} + interest. I would appreciate some assistance in resolving this issue. I have limited access online to statements etc. but have included what I can for now. Every year when I call BofA, they say they are "" correcting '' it as they did 2 weeks ago when I last called, but I never hear from them again until I see the bill the next year and call again. 
",,Consent provided,Web,2016-03-08,Closed with monetary relief,Yes,No,CR1821992,1254
2016-03-08,Bank account or service,Checking account,Deposits and withdrawals,,"A stop payment was a made for a duplicate payment in the amount of XXXX from XXXX XXXX on XX/XX/XXXX, however, the bank failed to return the items. Their rep stated they are not showing as being returned, she submitted a dispute for the charges. It appears XXXX made a duplicate payment, but do not know how or why it happened, XXXX rep ( s ) did not say who made the additional payment for same amount. Again, the bank failed to stop the items and are now showing as posted to the account and overdrawing it. I need these items returned and overdraft fees refunded, there are XXXX pending items which will be charged fees, paid or returned. 
",,Consent provided,Web,2016-03-08,Closed with explanation,Yes,No,CR1823314,1924
2016-03-08,Bank account or service,Checking account,"Account opening, closing, or management",,"I am a XXXX year old victim of check Fraud. I hired a handyman named XXXX XXXX. He stole numerous checks and forged my signature. The signature on the checks that he forged was very different from my signature. I never authorized him to sign the checks. Eagle National Bank cashed the checks totaling {$8600.00} without confirming the signature and assessed me another {$1500.00} in returned check fees. I could not address this because I was in the hospital and XXXX following XXXX. When I was physically able to challenge the forged checks Eagle National Bank only refunded {$2600.00}, stating I took to long to challenge the other {$6000.00} and they refused to credit me the returned check fees that were caused by Eagle National Banks acceptance of the forged checks. I want Eagle National Bank to refund all of the forged checks, ( {$6000.00} ) and to credit my account for the returned check fees caused by their failure to reject checks that did not match my signature. 
",Older American,Consent provided,Web,2016-03-08,Closed with explanation,Yes,No,CR1822236,1654
2016-03-08,Credit card,,Other,,,,Consent not provided,Web,2016-03-09,Closed with explanation,Yes,Yes,CR1823238,1632
2016-03-08,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-03-08,Closed with monetary relief,Yes,No,CR1823329,659
2016-03-08,Credit card,,Other,,,,Consent not provided,Web,2016-03-08,Closed with non-monetary relief,Yes,Yes,CR1823351,8506
2016-03-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-08,Closed with explanation,Yes,No,CR1820323,1202
2016-03-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-03-08,Closed with monetary relief,Yes,No,CR1823474,1440
2016-03-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-28,Closed with monetary relief,Yes,No,CR1822002,2750
2016-03-07,Bank account or service,Checking account,Deposits and withdrawals,,"On Monday XXXX XXXX, 2015 I received a Priority mail package sent through the US Postal System. Later that day I also received a text message informing me of the impending arrival of this package from a number I did not recognize. I have enclosed copies of these items as enclosures along with this letter. The package and the text message both referenced a secret shopper job. I did not remember applying for this particular job, and have never before applied for a secret shopper mission, so I was unaware of how this process works. The package contained a letter and XXXX USPS money orders, both in the amounts of {$910.00}. The day after I received it was the first day of the present academic quarter at my school and I am currently enrolled full-time. On my break between classes I had indented to consult with a representative inside of the XXXX XXXX branch of Eagle National Bank . Coincidently, the bank was extremely busy, and since I needed to return for a class, I did not have time to make this deposit with a teller. Instead, I deposited XXXX of the XXXX money orders at the branch 's ATM. I held onto the second money order, and intended to take it to the branch the following day to review it with a teller. 
As I had personal expenses I needed to pay for that day, and assumed the money order would cover them. Returning home after class, I called Eagle National Bank 's Customer Service line to inform them of this. Since I was unable to speak with a live representative, I set my alarm to call at XXXX XXXX the next day. According to my XXXX XXXX bill I called Eagle National Bank at approximately XXXX AM on XXXX XXXX, 2015. The call lasted about 45 minutes and I spoke with XXXX representatives, XXXX from Eagle National Bank and the other from a third party I was routed to by Eagle National Bank who deal with money orders. During these phone calls I expressed concern about the deposit I had made informed the XXXX representatives that I the source of the money order was unknown to me, and that since it was a large amount I wanted the bank to be aware of this. As well, since the expenses I expected to pay with my account would have been taken from the recently deposited money order, I wanted to ensure that these would be covered. I value my Eagle National Bank account, and wanted to ensure that what I 'd done was within reason. But I became increasingly worried about the validity of the deposit. Having reviewed my Eagle National Bank Deposit Agreement, I understood it was my responsibility to inform the bank if I felt any suspicion about any deposits made into my account, so my call was intended to serve this purpose. 
After reviewing my rights under consumer finance laws and what to do after being a victim of fraud online, I decided to write this letter. As a former XXXX and XXXX veteran, I always intend to conduct myself responsibly, and value my relationship with Eagle National Bank. I would not want to jeopardize this relationship. 
",,Consent provided,Web,2016-03-07,Closed with explanation,Yes,No,CR1819646,3670
2016-03-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,"The Eagle National Bank approved a check that I deposited into my bank account on XXXX XXXX, 2015. I waited for the check to clear and then made an electronic transfer into another account at the Eagle National Bank for the purchase of a computer and software. Immediately after I made the deposit into the other account the bank told me the check was fraudulent and I was responsible for paying back the money - even though they had they money from the check in another account at their bank. I explained to them what had happened - which is in a statement attached to this website- and they refused to even take a fraud report. I believe the Eagle National Bank is guilty of money laundering and now they have placed my name on a banking blacklist so I can not open an account at any other bank. 
Please see attached statement to get the full details concerning this event. I submitted one claim already and did not hear anything back and I can not find the reference number so I am filinf another complaint about the same incident. 
",Older American,Consent provided,Web,2016-03-07,Closed with explanation,Yes,No,CR1820379,3999
2016-03-07,Bank account or service,Checking account,Using a debit or ATM card,,"We tried to make a withdrawal at an atm ( We are in XXXX ) I have a receipt that the transaction was rejected. My Eagle National Bank side said the transaction went through and they deducted the money along with the fees. I called them and they said I had to wait until the next day when it would be removed. The charge is still on my acct. I told them to credit my acct until they figured it out like XXXX and XXXX would do. They said they do n't do that. These banks get away withXXXX. They have XXXX in assets and if I needed to buy food I would still be waiting to eat. They should not be allowed to do this. Also, they have a telephone system that does not work. I hadto push buttons randomly until a live person responded. I spent 33 minutes on the phone with a company that charges me {$16.00} per month to take my money. 
",Older American,Consent provided,Web,2016-03-07,Closed with explanation,Yes,Yes,CR1820696,13404
2016-03-07,Credit card,,Late fee,,"I can not pay with my debit card to pay monthly payments. It requires a checking account number and routing number. Check have become obsolete. I gotten hit with multi late fees because I move money from bank to another. I feel this is done to make it difficult for a customer and get charge with a late fee. I asked to have XXXX waive. I thought I paid my card in full. I had a XXXX balance I was going to get hit with another late fee. I was told no. I ask the agent twice to have a manager review my request. Then the windo chat was disconnect. 
",,Consent provided,Web,2016-03-07,Closed with explanation,Yes,No,CR1821195,1234
2016-03-07,Credit card,,Rewards,,"Recently FIA card services closed all XXXX of the credit card accounts I have with them. They also failed to pay {$200.00} worth of reward dollars to me for my purchases I made with their credit card prior to the account closures. Had I known they were going to close my accounts, I would have made these purchases with another credit card. Throughout my relationship with the company I always paid my bill better than required, and I never made a late payment. I followed their terms and conditions, yet for some reason which they have not disclosed to me, they closed my accounts. 

I want to receive the {$200.00} in reward dollars they promised to me in accordance with their terms and conditions. I tried to resolve this by calling FIA, but the telephone representative was unable to redeem the XXXX points to my Fidelity account. 
",Servicemember,Consent provided,Web,2016-03-07,Closed with explanation,Yes,Yes,CR1819559,2057
2016-03-07,Credit card,,Late fee,,"My inquiry is what the law allows in terms of fees charged e.g. a late payment 'fee ' that is XXXX % of the minimum payment due. Can a 'fee ' be almost equal to the principal and interest due on a revolving credit account? It seems excessive and designed to compound every month. This with Nordstrom Bank. Thank you 
",,Consent provided,Web,2016-03-07,Closed with explanation,Yes,No,CR1819873,1583
2016-03-07,Credit card,,Cash advance,,,Older American,Consent not provided,Web,2016-03-07,Closed with explanation,Yes,Yes,CR1819323,3227
2016-03-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-07,Closed with monetary relief,Yes,No,CR1820458,3416
2016-03-07,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,Other,Web,2016-03-07,Closed with explanation,Yes,No,CR1820278,4742
2016-03-07,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-03-07,Closed with non-monetary relief,Yes,No,CR1819756,2845
2016-03-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have attempted several times to correct Eagle National Bank reporting on my own. They are in violation of the FCRA 405. They are not reporting information XXXX accurated dated and verifiable information. 
See the letters I have sent to the bureaus and the most current and original report. They have to permanently and legally remove information that is not reporting XXXX accurated dated and verifiable. 
",Older American,Consent provided,Web,2016-03-08,Closed with explanation,Yes,No,CR1818772,2184
2016-03-06,Credit card,,Closing/Cancelling account,,"On XXXX/XXXX/XXXX I initiated a payoff of my Target REDCARD Credit Card ending XXXX. I have not used my card since that date and was under the Impression my account was in good standing, Target has hassled me since the card was opened in XXXX XXXX about the credit limit and paying the card down, every time the card was reduced by a substantial amount, Target decreased my credit limit affecting my credit score. I have logged into my account previously to make sure there were no residual payments or interest but I have not used the card since paying it off. 
It turns out that I was going to check my limit recently and found out Target closed out my Account without notifying me in writing thus drastically affecting my credit score and credit history with Target, this is something that Target should have notified me in writing that was going to occur and thus is hurting my credit. 
",,Consent provided,Web,2016-03-06,Closed with explanation,Yes,No,CR1816716,280
2016-03-05,Bank account or service,Checking account,Problems caused by my funds being low,,"I deposited a check into my Eagle National Bank personal account from my business account. The deposit slip did not state a hold will be placed on the check, at the time of the deposit. However, the next day when I looked at my account I saw a hold was placed on the check even though it was already debited and paid from my business account. This resulted in a returned ACH check and a fee of {$35.00} for NSF. 
I called Eagle National Bank and was told there is nothing that can be done even though the check from my business account was paid and the ACH will be returned. 
",,Consent provided,Web,2016-03-05,Closed with monetary relief,Yes,No,CR1817983,248
2016-03-05,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Initiated XXXX wire transfer on XXXX/XXXX/2016 on the Eagle National Bank website, but the bank has initiated XXXX duplicated transactions with XXXX different duplicate fees. I have made numerous calls to the customer service over the past 45 days, but the full disputed amount has not been credited yet. 
",,Consent provided,Web,2016-03-05,Closed with monetary relief,Yes,No,CR1817484,4640
2016-03-05,Credit card,,Identity theft / Fraud / Embezzlement,,"A XXXX XXXX Charge is showing up on my Credit Card. They were not authorized to put any charges on my Credit Card. I did go on their website looking at flights and cancelled the transaction and did not purchase anything. For some reason, they took the information input and charged my account. I called them within 24 hours to ask why they charged me and they would not return the funds even thought they were not authorized to charge the account. 
",,Consent provided,Web,2016-03-05,Closed with monetary relief,Yes,No,CR1817515,626
2016-03-05,Credit card,,Billing disputes,,"In sum, and part was cut off : Complaint Description : Eagle National Bank has ruined my credit due to a series of incompetent errors on their part and refuses to correct these errors for YEARS. Since prior to 1996, Eagle National Bank has ruined my credit. They issued a credit card to a PREVIOUSLY authorized user who had long been removed from my account by 1996. When he got his credit card statement at HIS address, it came in MY name because when he had applied for his OWN credit card, it was issued under MY account. I called them and told them to remove me from the account because I had nothing to do with the bills. In 1996, EN promised to remove me from the account but months later, they said they would not because he would not have been eligible for the card on his own. They admitted on the phone that they had made the mistake of putting him on my account but they refused to correct the error. They prevented me from being admitted to the New York Bar which cost me hundreds of thousands of dollars in salaries, legal fees, by ruining my credit and preventing me from obtaining a mortgage, and more. My credit was ruined for YEARS, despite numerous attempts to have EN correct this error. Many years later. XXXX XXXX changed my account form another bank to EN and despite it being a completely new account, with all of my current information : address, email address, etc, they erroneously linked it to the account from 1996 or prior and used that email address which I had not used in over 8 years and could not log into it. I called, wrote, etc. I went into a local branch and waited HOURS while the manager supposedly corrected the error. I used the card to purchase XXXX tickets for my parents, but i could not log in to pay. I called numerous times and each time a rep in XXXX promised that she fixed the errors and that I could log in to my account. Their website ONLY allows you to contact them online by logging in which I could not do, so i was put in a loop. I just tried an online chat and the agent refused to give me a contact email to write directly. here is the Chat session : Chat InformationWelcome to an online chat session at Eagle National Bank. Please hold while we connect you to the next available Eagle National Bank Online Banking Specialist. Your chat may be monitored and recorded for quality purposes. Your current wait time is approximately 0 minutes. Thank you for your patience. Chat InformationThank you for choosing Eagle National Bank. XXXX is ready to assist you. For security purposes, please remember to close your chat window when completed. XXXX : Hello! To assist you with your personal credit card, XXXX I please have your firs and last name along with the last XXXX digits of the account number? You : I need an EMAIL ADDRESS ONLY so i can speak to a supervisor in billing at EN. Thisis URGENT. I do not want an endless chat and I can not log in to write through my log in so PLEASE give me a REAL email address b/c you have XXXX MY ACCOUNT for over 18 years and ruined my credit and no matter how many times I have written, called and emailed, and gone into branchs, you have not fixed it. B/c of YOUR awful bank I could not get a mortgage. No excuses, please just give me a REAL email address at the CORPORATE level for someone who can really help IN the USA! You : NO, you can not have that, you can give me an email address please or I will copy this chat and forward it to the FTC and XXXX in a few seconds b/c I have ZERO time and patience left. You : XXXX, XXXX, XXXX .... You : I am entering www for XXXX to report his b/c I have no time left to waste. You : such run arounds from your bank. You : XXXX ... XXXX XXXX : I completely understand your concern, Unfortunately the only contact information that I have for my billing department is a phone number. XXXX : I can definitely provide you with that number. You : No, you MUST have an email address. You : If I ca 
",,Consent provided,Web,2016-03-05,Closed with explanation,Yes,No,CR1817463,1281
2016-03-05,Credit card,,Credit card protection / Debt protection,,"My boyfriend and I purchased a sofa from XXXX and we have a year to pay it off interest free. Before we made the purchase I asked if I would be able to set up automatic monthly payments and was told I could. I just got the bill ( which is through Eagle National Bank ) and got online to set up the monthly payments and their system is designed to only allow me to make monthly payments in the amount of the minimum payment due - which will not have us pay off the sofa in time and would then have us pay interest in an amount almost equal to the cost of the sofa itself. In addition, the loan is set up as a credit card so there are late fees if you do n't pay monthly. I called customer service, assuming there was a technical glitch that would n't allow me to enter a larger amount, and was told by the associate that this is how the system is designed. She said I can set up recurring payments for the minimum amount and then call each month if I want to pay more than that. They promise an interest free loan and then are putting significant barriers in place to cost the consumer extra money. These policies are predatory and need to be changed. 
",,Consent provided,Web,2016-03-05,Closed with explanation,Yes,No,CR1817336,2301
2016-03-05,Credit card,,Delinquent account,,,Older American,Consent not provided,Web,2016-03-05,Closed with explanation,Yes,Yes,CR1817074,2239
2016-03-05,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-03-05,Closed with explanation,Yes,Yes,CR1816709,4937
2016-03-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-03-05,Closed with monetary relief,Yes,No,CR1818090,2462
2016-03-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am the Co-Executor of my Mothers estate. My Mother had an IRA account with Eagle National Bank. She had this IRA since at least 1992 and always banked at the same small branch in XXXX, Connecticut. The branch was taken over several times between XX/XX/XXXX-XX/XX/XXXX and is now Eagle National Bank. Despite there being XXXX totally consistent beneficiary designations with the predecessor banks being located- XXXX located by Eagle National Bank in its own internal files, Eagle National Bank refuses to honor them -- saying that they will only honor a beneficiary designation directly with them. In addition to the XXXX beneficiary designation forms, I have notes by my mother consistently reasserting that I am the sole beneficiary. 
Also Eagle National Bank has consistently intentional or just negligently given me misleading and false information. The second beneficiary designation was located by them only after they had repeatedly represented that there was No such record. They have also incorrectly ( intentionally or negligently ) represented that there is no detriment since they are willing to pay the IRA to the Estate. The Bank should be aware of the detrimental tax consequence of the payment to an Estate rather than a person beneficiary -- even if ignorant they should at least not make false statements on which their depositors may rely to their detriment. My mother was not a wealthy woman ; she carefully saved her money and meticulously set up her accounts in accordance with her wishes. Yet now, the Bank is looking to VIOLATE her wishes and her accounts! Additionally, since there are other beneficiaries of the residuary estate, clear, contrary to the Bank 's rep payment to the Estate is very different than payment to the individual named beneficiary. 

My mother was already aged XXXX at the time of the Eagle National Bank takeover and XXXX when she died and she consistent banked at the same small branch.The Bank 's position seems to be that that it was somehow her responsibility to make sure that Eagle National Bank still had and did not lose or misplace her Beneficiary Designation. Likely, this is a frequent problem with Eagle National Bank -- the only difference here is the careful records that my mother kept and my relentless pursuit to correct the situation. 
",Older American,Consent provided,Web,2016-03-04,Closed with explanation,Yes,No,CR1817586,2971
2016-03-04,Bank account or service,Checking account,Problems caused by my funds being low,,"I have an account with Eagle National Bank and I am having discrepancies in my account. My account was overdrawn and I am being charged excessive amounts of bank fees. I have tried multiple times to get some sort of assistance in removing some of the fees that are being charged on my account, and they said that they were unable to help with any of those fees. 
I 've also tried to set up some sort of payment plan with BOFA so that when my Social Security direct deposit comes in the amount wont be taken in XXXX lump-sum, and they also were unable to access me with this request because I would need to cancel my direct deposit first. I 'm not quite sure as to why BOFA has the option for discrepancy and they were not able to access me in any shape of form. I asked a question about their policy and the representative was unable to answer my question but stated a customer service agent would. 
When I got transferred to customer service they also could not answer my question and said to me that the discrepancy department has given me false information. I then-after asked if they can assist me and creating a payment plan and was told by customer service that they have a department that can assist me with the payment plan. Customer service transferred me to a collections agency that told me that customer service also gave me false information. 
I am single mother of a XXXX year old XXXX receiving a pension of {$XXXX} once a month and in fees alone this bank has charged me a little over XXXX dollars in fees in just 2 weeks ; and the fact that BOFA 's collection agency stated that i needed to cancel my direct deposit in order to create such payment plan is just ridiculous. The lack of communication skills within this company 's ' departments shows why they have such a horrible review!!! 
I can not fathom how individuals would choose to work for such company. I am completely distraught with the assistance i have received by them. 
",,Consent provided,Web,2016-03-04,Closed with monetary relief,Yes,No,CR1816624,4177
2016-03-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I set up automatic bill pay of my credit card from my checking on XXXX/XXXX/16. Tech support confirmed this, my credit card is due tomorrow XXXX/XXXX/16 and was not paid. They recognize the auto pay and ca n't explain why the system did n't pay the credit card. I was on the phone for over 2 hours and got cold transferred 5 times. 
",,Consent provided,Web,2016-03-04,Closed with explanation,No,No,CR1814788,3729
2016-03-04,Bank account or service,Checking account,"Account opening, closing, or management",,"My mother passed away XX/XX/2014. Her checking account had been in both our names so that if she became XXXX, I could continue paying her bills. That is what happened in the last five years of her life. When she died, I left several hundred dollars in the account to cover any debts that I was not aware of. After a year 's time, I attempted to drawn-down the account only to be told that bank fees had XXXX-out the account. During that time, the bank had no communication with me other than to verify my mother 's death. I believe that at some point there should have been notification from the bank that the account was not showing any activity and the balance was being used up by fees. They say I should have received information at the time of becoming a co-signer regarding bank practices and fees. That had not happened and neither did my mother share any such information she had received. 
",,Consent provided,Web,2016-03-07,Closed with explanation,Yes,Yes,CR1817350,2579
2016-03-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Can someone please investigate XXXX, Vermont? 

XXXX XXXX has charged a fee of over {$3000.00} (! ) to hand deliver documents a few blocks across town. 

They declined to act as Executor for my father 's Estate, though the representative, XXXX XXXX, had offered to settle it! 

My parents had a Trust with XXXX XXXX for many years ( more than 20 years ). XXXX XXXX was to act as Executor, as well as Trustee, for my parent 's trust fund. They ( very slowly ) settled my mother 's XXXX XXXX Trust Fund Estate. 

A year later when my Dad passed, XXXX XXXX contacted us to say that they were declining to handle the Estate. Their reason? They did n't think it would be lucrative for them. But they had n't let Dad know that while he was alive ( and after my mother passed ), to make appropriate changes. [ He was competent to make this sort of his decision, per his XXXX. ] After searching for some time, we found Trust Company of Vermont to take over as Executor and as Trustee. XXXX XXXX continued to charge fees, even thought they were only holding the money ( not managing it ) and had declined to do what my parents counted on them to do -- settle the Estate. 

Eventually I realized that EN Wealth had failed to provide XXXX the pour-over will documents, so my father 's Estate was headed to Probate Court unnecessarily. I provided my photocopy, and that was when XXXX charged more than XXXX XXXX dollars for delivering the original copy of the pour-over will my parents had filed with XXXX. 

XXXX XXXX delivered the document a few blocks. [ If this is NOT what they charged over {$3000.00} to deliver, I do not know what they did deliver. They certainly charged the fee, and initially XXXX XXXX, supervisor in the XXXX VT office told me "" there was nothing that could be done to refund the money because the account was closed. '' ] I took my complaint higher in XXXX XXXX. It took months and several emails to obtain an answer, but I was able to have the fee of moire than {$3000.00} credited to my father 's account. 

While these fees have been returned, there has been no apology, and XXXX acts like I am unreasonable to make these requests that fees be returned when no service is being provided. They were simply holding onto funds that they had told my parents they would help settle, as part of their Estate. They did offer to only charge half fees, since they were doing nothing with the money. They have continued to charge fees through the time the Trust was closed. While some fees have been partially reimbursed, it has taken a great deal of effort to do this. 

The fees have been high, the service has been poor, questions have been shifted from person to person, and I do n't think the management communicated well with my parents. They were domineering and clingy with the money. To return the fees, they have given me a document requesting that I sign off my right to "" make disparaging remarks '' about their "" employees. '' I think someone should investigate this institution! Who else are they cheating? Do you have any suggestions for where I should take this issue? 

Thank you for your help. 
",,Consent provided,Web,2016-03-04,Closed with non-monetary relief,Yes,Yes,CR1818284,2629
2016-03-04,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-03-04,Closed with explanation,Yes,No,CR1815156,98
2016-03-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-04,Closed with explanation,Yes,No,CR1818776,7435
2016-03-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-03-04,Closed with explanation,Yes,No,CR1817726,1639
2016-03-03,Bank account or service,Savings account,Deposits and withdrawals,,"Eagle National Bank charged me for withdrawals done at the ATM on my savings account. Despite their deposit agreement and disclosure stating that there is a limit of XXXX but of the XXXX, those done at a staffed teller window or ATM do not count. I had done a total of XXXX, XXXX at an ATM and XXXX online transfers. When I called they said that the XXXX at the ATM used up my XXXX allowed so they had a right to charge me for the remaining XXXX at $ XXXX/transaction. I referred them to their own Deposit Agreement and Disclosure ( page XXXX ) and they agreed with what it said, but stated they still would count towards the XXXX so anything in addition would be fee 'd if done elsewhere. I said I thought this was a violation of Regulation D as I understood it as well as their disclosure be unfair and misleading. 

I have a copy of the chat where they did not even know that their disclosures stated that until I copied it. The call I made was allegedly recorded as well. 
",,Consent provided,Web,2016-03-03,Closed with monetary relief,Yes,No,CR1815666,1199
2016-03-03,Bank account or service,Checking account,Using a debit or ATM card,,"I was robbed at an ATM while XXXX, the XXXX can be seen in the camera footage. I requested that the bank review this information and help me recover any costs or proceed with police complains, they did not, and did not show any proof that they attempted to resolve the issue in any meaningful way. 
",,Consent provided,Web,2016-03-03,Closed with explanation,Yes,Yes,CR1815560,4261
2016-03-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I went into Eagle National Bank to transfer my IRA from XXXX XXXX to Merrill Lynch. 
Silly me. 
The account was opened using my Social Security Number but in the wrong name, "" XXXX ''. VERY SCARY. How do they ( XXXX ) get away with this level of incompetence? 
See the attached letter from Merrill Edge. 
For the record, my name is "" XXXX ''!!! 
I have talked to Eagle National Bank, Merrill Lynch and Merrill Edge 9 or 10 times so far, to stop sending me correspondence in the WRONG NAME. Each customer service person is very nice and their claim, "" I can fix this for you! "". LIARS The computer still sends out notices in the wrong name despite my many calls to them to STOP sending mail in the wrong name! 
HOW CAN WE GET MERRILL TO STOP, FIX OR ELIMINATE THIS SITUATION THAT THEIR INCOMPETANCE CREATED? 
",Older American,Consent provided,Web,2016-03-07,Closed with explanation,Yes,No,CR1815289,4458
2016-03-03,Bank account or service,Checking account,"Account opening, closing, or management",,"My card was lost and there were fraudulent charges. They did a temp refund while they "" investigated '' 3 days later I receive a letter saying they are reversing the refund. And are saying I owe {$250.00}. The charges were not made from me. The rep advised there was no need to file a police report as the only thing missing was the card and they had issued a new card. 
",,Consent provided,Web,2016-03-07,Closed with explanation,Yes,Yes,CR1815867,6619
2016-03-03,Bank account or service,Checking account,Deposits and withdrawals,,"My mother deposited a bad check into my account with Eagle National Bank, we have XXXX different signatures. I had a business account & a personal account, I paid of the remaining balance to EN, but they closed my account and claims I still owe them money. I paid them {$220.00} 
",,Consent provided,Web,2016-03-04,Closed with explanation,Yes,No,CR1813340,1588
2016-03-03,Bank account or service,Checking account,Problems caused by my funds being low,,"Summary of My Issue : Delayed payment information appearance caused by my funds being low and was charged for Overdraft fees twice. 

Q : Why was this an issue? 
A : I paid my credit card bill via Eagle National Bank 's Mobile Banking iOS App. But the transaction information did n't appear to show me whether the transaction success or not, even after I refreshed and re-logged in the app ( normally, the transaction information will show immediately after I refreshed and re-logged in the app ). Then, I waited for one more business day to see the transaction appearance, but the payment transaction did n't appear even as a scheduled payment item. So I did made the same amount of payment for the same credit card account again via Online Banking using XXXX browser the following business day. 

Q : What is this complaint about? 
A : I submit a complaint regarding Eagle National Bank 's : 1. Delayed Payment Information Appearance ( Main Cause ), causing my checking account got negative balance and was charged the bank fees. 
2. Poor quality of Eagle National Bank 's Customer Support Service, they transferred me back and forth across many departments with more than 4 representative and more than 3 hours of the issue discussion. 
3. Lack of Professional Manners to Deal with Customer Special Issue. 

Q : How did you attempt to resolve the issue? 
A : I attempted to resolve the issue by discussing with Eagle National Bank 's customer service representative via its online chat system and phone channels. 

Q : When was the issue start from, and what action did you take? 
A : On XXXX/XXXX/2016 ( XXXX/XXXX/2016, XXXX XXXX ), my checking account was deposited {$320.00} to add up balance in checking account to {$360.00} ( {$42.00} was in my account already ) to cover all the payment I had calculated for {$36.00}, {$73.00}, {$180.00}, and {$60.00} for my BofA cards and my XXXX cards. 
On XXXX/XXXX/2016 ( XXXX/XXXX/2016, XXXX XXXX ), the payment was made via Eagle National Bank 's Mobile Banking iOS App ( {$36.00}, Trans. Ref. No. XXXX ), this payment information was n't show as described above. 
On XXXX/XXXX/2016 ( XXXX/XXXX/2016, XXXX XXXX ), another payment of the same amount ( {$36.00}, Trans. Ref. No. XXXX ) was made because BofA made me thought the first payment was n't successful. 
On XXXX/XXXX/2016, {$73.00} was made successfully for another BofA credit card account. 
On XXXX/XXXX/2016, {$180.00} and {$60.00} were made successfully forXXXX credit card accounts. 
Additional information : On XXXX/XXXX/2016, the issued payment that was made via Eagle National Bank 's Mobile Banking iOS App ( {$36.00}, Trans. Ref. No. XXXX ), the transaction STILL was n't show up into my account. 
On XXXX/XXXX/2016, my checking account was charged for Overdraft item fee for {$35.00}. 
On XXXX/XXXX/2016, my checking account was charged for Extended Overdrawn Balance for {$35.00}. 
On XXXX/XXXX/2016, I found my checking account balance was negative. Then, I contacted Band of America and have a long discussion for more than 3 hours and passed me across many departments back and forth. 
On XXXX/XXXX/2016, BofA 's credit card department reversed {$16.00} ( which I asked for {$36.00} to be reversed ) back to my checking account. 
",,Consent provided,Web,2016-03-03,Closed with monetary relief,Yes,No,CR1814920,396
2016-03-03,Credit card,,Billing statement,,,,Consent not provided,Web,2016-03-03,Closed with explanation,Yes,No,CR1814877,10566
2016-03-03,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2016-03-03,Closed with explanation,Yes,No,CR1815907,1193
2016-03-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-03-03,Closed with explanation,Yes,No,CR1815269,10287
2016-03-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I filed a complaint with CFPB and Bank of Amerca has modified their response with more information they failed to disclose at any previous time and altered the timing of their actions to better support their explanation. The Bank 's responses are factually incorrect. Further, they have ignored providing the information which speaks to actual events. This information is available but Eagle National Bank will not address the information because it will not support their explanation. This complaint is a new complaint which states Eagle National Bank has changed facts, failed to provide information in support of their actions, and is dishonest in addressing complaints. This complaint speaks to the CFPB ability to protect consumers when the bank alters the information to cover up their errors. If this kind of behavior is left unchecked no consumer will be protected. This kind of action will actually create a bank more likely to abuse consumers. A bank confident that they can act in whatever fashion that suits them because no one can create any penalty or harm. 
",,Consent provided,Web,2016-03-02,Closed,Yes,No,CR1810301,11064
2016-03-02,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a consumer checking account with Eagle National Bank and they decided to close the account the same day. They offered no explanation as to why they closed it. It 's very frustrating for me. 
",,Consent provided,Web,2016-03-02,Closed with explanation,Yes,No,CR1812839,5441
2016-03-02,Credit card,,Other,,"Account information was due to be removed from public record XXXX 2016 and is still on record. 
",Older American,Consent provided,Web,2016-03-22,Closed with non-monetary relief,Yes,No,CR1812219,2547
2016-03-02,Credit card,,Other,,"Eagle National Bank said they sent me a form to fill out, a XXXX form. I never received this. Well, I tried to log in to my account to see if I had a balance, and it was blocked, so they told me I had to fill out this form, giving me instructions to go to the IRS website. I did, I filled it out, and I faxed it to them. So then I called customer service, and they did reinstate the account. They said I had to do this because they could n't verify my SS number. Well, I see that they did a hard hit to my credit report!!! They never said they were doing that ... if I knew that I would not have gone through this!! It 's terrible! I want them to take that off of my credit report, as I have an inquiry from them when I originally opened this account!!! 
","Older American, Servicemember",Consent provided,Web,2016-03-02,Closed with non-monetary relief,Yes,No,CR1810461,2095
2016-03-02,Bank account or service,Checking account,"Account opening, closing, or management",,"Fed up with XXXX XXXX charging excess overdraft fees I open up a checking account at EN Bank. In one month EN Bank charged me {$250.00} in overdraft fees and XXXX of them occurred when I was transferring money from XXXX account to another account over the XXXX XXXX weekend. Eagle National Bank twice charged me overdraft fees on the same day I got a direct deposit I spoke to the bank about it and while they promised to refund XXXX of the overdraft fees they still have n't done it. I am really fed up by being ripped off by Bank XXXX XXXX XXXX XXXX and now Eagle National Bank. I am guessing I 'm not the only person who 's really angry about the exceessive fees being charged. I did not receive a bail out for extravagant behavior. I understand about the practice of reordering withdrawals so that banks can charge excessive overdraft fees. 
",,Consent provided,Web,2016-03-04,Closed with monetary relief,Yes,No,CR1813943,2905
2016-03-02,Bank account or service,Checking account,"Account opening, closing, or management",,"Hi, Eagle National Bank FALSIFIED DOCUMENTS AND BANKING TRANSACTIONS IN ORDER TO PROFIT WHICH IS AGAINST THE LAW UNDER THE FCC LAWS. Eagle National Bank CHARGED ME {$150.00} NSF FEES FOR A MISLEADING BANKING TRASACTION THAT Eagle National Bank SAYS WAS {$250.00}, BUT THE TRANSACTION WAS ACTUALLY {$140.00}, THEREFORE Eagle National Bank LIED IN ORDER TO PROFIT AND THEY MANIPULATED THEIR BANKING SYSTEM IN ORDER TO PROFIT BIG MONEY FROM LOW INCOME FOLKS LIKE ME FOR THE PAST YEAR. NOT ONLY DID THEY MANIPULATE THEIR BANKING SYSTEM BUT THEY ALSO COMINGLED THEIR FUNDS REPEATEDLY WITH MY ACCOUNT IN ORDER TO PROFIT. I HAVE REPEATEDLY REQUESTED FROM Eagle National Bank TO SPEAK TO THEIR CEO, AND Eagle National Bank DENIED ME THIS REQUEST. 
******Eagle National Bank NEVER RESPONDED TO ME OR RESOLVED MY LAST COMPLAINT WITH CFPB AGAINST Eagle National Bank. ******* Eagle National Bank SHOULD BE SUED IN COURT AND FINED AGRESSIVELY FOR A COMPLETE REFUND TO ME FOR FRAUDENTLY COMINGLING FUNDS AND MANIPULATING THE BANKING SYSTEM. 
Eagle National Bank FRAUDENTLY overdrew my account and broke the law under the Fair Debtors and Creditors act and the Privacy Act. First, They purposely held pending transactions that the merchant had already sent through. Meaning they held pending transactions so that my account would incur NSF fees totaling {$150.00} which far exceed the amount of the total of my transactions which totaled {$30.00}. They also switched the amount owed from {$250.00} to {$150.00} to trick me, the account holder, into believing that I owe more to Eagle National Bank when in fact I owed less. This is excessive behavior and abuse of power. I filled out paperwork for them to not approve any overdraft fee payments. Eagle National Bank CONTINUED TO PAY THEM EVEN THOUGH I INFORMED THEM AND FILLED OUT PAPERWORK THAT I DO NOT WANT TO PAY IT. Eagle National Bank LIED AND INFORMED ME THAT I FILLED OUT THE WRONG PAPER WORK, BUT THEY WERE THE ONES THAT GAVE ME THE PAPERWORK TO BEGIN WITH, SO THEY KNOWLINGLY GAVE ME THE WRONG PAPERWORK TO FILL OUT SO THAT I COULD INCUR MORE FEES WHICH IS A VIOLATION OF CFPB LAWS. They are trying to penalize me and charge me for overdraft protection that I never requested to begin with AND filled out an application stating that I DO NOT WANT THEM TO PAY IT. They are lying and severely breaking the law. They are just trying to profit from the consumers with the lowest monies in their accounts to utilize - that money that they generate from NSF fees - to pay out to their customers with big business and big money. What they 're doing is fraud and illegal. They 're commingling funds and manipulating their currency to accumulate a substantial amount of money through NSF fees TO PROFIT. A reasonable person under the same and similar circumstances would agree with me. You should also contact their Executive department / CEO because their regulation department will not inform their executive office of their wrongdoing because they know that they would be fired if their Executive department / CEO found out this information of their wrongdoing. I 'd like a refund of all of my NSF fees totaling {$250.00} due to their fraudulent activity and their disobedience of the law under the Federal Trade Commission. THESE EVENTS TOOK PLACE FROM XXXX XXXX, 2016 TO XXXX XXXX, 2016. 
Also, When you call their customer services reps, their reps do n't even understand their manipulative banking computer system because if you check each recorded phone call conversation that I MADE TO Eagle National Bank, I HAD TO ASK FOR A SUPERVISOR BECAUSE THE BANKING CUSTOMER SERVICE REP WOULD SAY THEY DO NOT UNDERSTAND WHAT IS GOING ON WITH MY ACCOUNT. 
",Servicemember,Consent provided,Web,2016-03-02,Closed with explanation,Yes,No,CR1812313,2828
2016-03-02,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-03-02,Closed with monetary relief,Yes,Yes,CR1812470,2608
2016-03-02,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-03-02,Closed with explanation,Yes,Yes,CR1812845,3643
2016-03-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-03-02,Closed with monetary relief,Yes,No,CR1813937,2688
2016-03-02,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-03-02,Closed with monetary relief,Yes,No,CR1812827,5318
2016-03-01,Bank account or service,Checking account,Problems caused by my funds being low,,"I made a deposit on Wednesday XXXX in the amount of {$9500.00}. The receipt shows that on XXXX, {$4800.00} will be released with the remaining amount released on XXXX. 

In a letter dated XXXX from Eagle National Bank states that the ENTIRE deposit would be held until XXXX. Since the letter was sent on the XXXX of XXXX, the date my receipt stated that {$4800.00} would be release I was not notified that all of the funds were held until AFTER I made purchases as I was notified from the receipt that I had {$4800.00} with which to work. 

Therefore, I was charged XXXX overdraft fees of {$35.00} each for monies I had on hand. When I spoke to your customer service representative, XXXX, this morning, she attempted to first say it was because I deposited the funds into an ATM, no matter that it was a Eagle National Bank ATM. 
",,Consent provided,Web,2016-03-01,Closed with monetary relief,Yes,No,CR1811393,1102
2016-03-01,Credit card,,Customer service / Customer relations,,"I 've had a FIA XXXX Credit Card since XXXX. I set up the account so my monthly payment would automatically be debited each month from my checking acct. I paid of the balance in XXXX XXXX. In XXXX XXXX they debited my acct. for {$100.00} even though I had a "" XXXX '' balance. I called they refunded my {$100.00}. On XXXX they again took {$100.00} from my acct. I called and spoke to XXXX different Customer Service personnel, who stated it would take XXXX6 business days before my money would be credited back to my acct. Because I had no idea they would debit my acct. for {$100.00} I have bills that will be returned for insufficient funds. No one I spoke to today would acknowledge the fact that they made the same error not once, but twice. The last supervisor I spoke to, her name was XXXX would not transfer me to her supervisor, she said she would have her call me within 48 hours. I would have appreciated someone having the courtesy to at least escalate this issue so the money would be placed back in my acct. in a more expeditious manner. They were not willing to assist me in any way and I think someone at FIA owes me the courtesy of replacing my money, since there is no mistake that they had no right to debit my acct. which has had a zero balance since XXXX, XXXX. I would greatly appreciate any assistance in escalating this matter. 
Thanks! 
",Older American,Consent provided,Web,2016-03-01,Closed with explanation,Yes,No,CR1811945,11943
2016-03-01,Bank account or service,Checking account,Deposits and withdrawals,,"I have a checking and savings account with EN Bank. I filled out overdraft protections forms when I opened my accounts and XXXX other times at branches. They keep bouncing my checks that I have more than enough money to cover. They have reported me to XXXX and are destroying my credit. This morning they refused to cash a check I wrote for {$1100.00} at the XXXX XXXX XXXX Bank even though I have over {$140000.00} in liquid assets at the Bank with no holds on my money. They can offer me no explanation why this is occurring. They now say that AGAIN they have lost my over draft protection documents which have been in place for the last 6 months and again are denying checks for NSF. They are just horrible to deal with. The average wait time on the phone is over 60 minutes each time I call them. 
",,Consent provided,Web,2016-03-01,Closed with explanation,Yes,No,CR1811377,960
2016-03-01,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX XXXX, 2016 I opened a account at Eagle National Bank XXXX XXXX XXXX, XXXX, PA XXXX, AND FOR 3 WEEKS NOW I HAVE BEEN BOMBARDED AND THEN REBATED ( -AFTER COMPLAINING - ) WITH OD FEES! And then Bombarded again!!! 3 weeks in a row. ALL with no access to a account statement! On-line or otherwise. 
BUT NEVER FULLY MADE WHOLE BY THIS BANK! AND THEY DO N'T SEEM TO CARE AND JUST PASS THE BUCK!! The Customer service rep XXXX XXXX. I have learned is part time and in college. When I inquired about my Paychecks and availability, I was advised by XXXX that my XXXX check deposits would be available the next business day. NOT 3 BUSINESS DAYS! 
XXXX ALSO did not go over the following items with me when I opened the account : 1 ) XXXX XXXX was not explained nor was I alerted to the policy. 
2 ) Deposits - A Payroll check made on Friday when I asked I was told those funds "" would be available "" Next business Day and/or Monday ''. - NOT WEDNESDAY of the Following week! As is the case with this bank it appears ... 
3 ) I was told that On-line banking was simple to Set-up, but when I went home and tried to, I had had several "" authentication '' problems and long 15 minute waits on the Customer Service HOT-LINE and gave up.Only to find out later that I was given an incorrect Temporary password for setting up my account. Again, when I called the hot-line for assistance, it was impossible to get through. Just a advertising soundtrack that repeated itself many times over and over. I gave up after 15 minutes on hold. 
4 ) OPT in- OPT out was NOT Explained on XXXX, XXXX, but by a Supervisor at a store local to my job in another town - I work XXXX to XXXX at XXXX - when I visited the bank after the trouble started ... Notwithstanding the above, I would like to pursue a remedy to the Overdraft charges that occurred in the first 10 days within opening of this account. 
I feel cheated out of my money because I could not view my on-line statements for the first 3 weeks upon opening this account. I would have been able to take proper action to avoid these overdraft charges. 
After visiting the bank and describing why I felt something was wrong with my account - I was {$110.00} in the negative at this time.- to a XXXX XXXX XXXX XXXX Supervisor. She rebated me XXXX or {$70.00} in overdraft fees. I still had not seen a statement of my account, nor been able to set-up on-line banking. She advised me to call a NEW number. This did work and I spoke to a man named XXXX. He apologised for all the inconvenience and advised me he would further rebate a additional OD fee that XXXX XXXX had overlooked. 
Finally after going on line and reviewing my account, it became apparent to me that "" next business day '' did not apply to this account!! And I was being penalized to the tune of {$35.00} a pop for {$7.00} worth of coffee and cigs, when in reality the funds were sitting right there in my account BUT NOT CLEARED BY Eagle National Bank as I was advised upon opening the account. 
",,Consent provided,Web,2016-03-01,Closed with explanation,Yes,No,CR1811891,2190
2016-03-01,Credit card,,Other,,,,Consent not provided,Web,2016-03-01,Closed with explanation,Yes,No,CR1809208,1393
2016-03-01,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-03-01,Closed with explanation,Yes,No,CR1811543,2695
2016-02-29,Bank account or service,Other bank product/service,Using a debit or ATM card,,""" We 're letting you know your ATM/debit card may have been part of a compromise at an undisclosed merchant. '' I 'm happy that my bank ( Eagle National Bank ) is being proactive about account security, however they are forcing a new debit card number which is a major inconvenience while not providing any information about what happened. 
",,Consent provided,Web,2016-02-29,Closed with explanation,Yes,Yes,CR1810060,537
2016-02-29,Bank account or service,Checking account,Problems caused by my funds being low,,"Charged another overdraft fee for a XXXX overdrawn balance overnight. Subscribed to overdraft protection through a linked credit card. Overdraft protection was not provided. Was assessed a XXXX XXXX fee for being overdrawn, even with overdraft protection in place. One again, transactions were ordered in order to facilitate an overdraft. 

Completely nonsensical issuance of the fee. Balance was allegedly negative XXXX, but with the overdraft fee, the account was only overdrawn to negative XXXX XXXX, thus indicating that there was a positive balance in the account. This is wholesale fraud and clearly the result of reordered transactions. 

The account was not overdrawn, since a XXXX penalty only resulted in a negative XXXX balance. 
",,Consent provided,Web,2016-02-29,Closed with monetary relief,Yes,No,CR1809988,1016
2016-02-29,Bank account or service,Checking account,Deposits and withdrawals,,"I have been charged excessive charges on my account!! 
Called and complained and lady said would check into in, came back and said that there was nothing she could do & hung up. 
Called sever more time & got the same results. 
They are ripping people off, especially senior citizens!! 
Dont bank with these people ever!! 
",Older American,Consent provided,Web,2016-02-29,Closed with monetary relief,Yes,No,CR1809521,772
2016-02-29,Credit card,,Closing/Cancelling account,,"1.XX/XX/2015 I decided to pay off the entire outstanding balance on XXXX credit cards and since I was not using them, to have them cancelled. I called the toll-free number on each statement and so informed them and asked for the amount of the balance to pay off and close the accounts. The figures their customer service agent gave me were identical to the "" New Balance Total '' shown on the current bill. I had set aside that amount to pay these bills and told the customer service agent to use the "" Auto-Pay '' arrangement then in force and draw those amounts from my bank account ; and then to terminate the Auto-Pay arrangement. They withdrew the amounts ; the Auto-Pay was terminated ; and the cards cancelled. Later I began getting bills for additional interest or whatever and when I called to complain the customer service agent tried to explain something about their internal accounting or bookkeeping. I insisted that when I asked the question and was given the payoff figure ( which matched the last statement ) and I made that payment, that I would pay no more. Their letters and bills keep coming despite having reported all this by letters to both companies twice and repeated calls. But they keep sending demand letters and increasing the amounts on these "" bills. '' I am semi-retired with little to no workingincome and set aside money to pay these bills off and close the credit card accounts. I believe that when their Customer Service Representative provides me with the number after my explanation, that I ought to be able to rely on that number, pay that amount, and be done with it. The credit card companies presumably have recordings of my telephone conversations which should confirm all that I say. No mention was ever made of any more money due than the amount they gave me, which sum was paid immediately while we were still on the phone. I relied on that conversation and the figures and should not have to be concerned with some internal accounting or bookkeeping they do in their office of which they never gave me any notice. ( Maybe they 'll find something in the "" small print '' somewhere from years back! ) These credit card companies should change their procedure and tell their Customer Representatives how to explain their intentions to continue billing after payment in full when a customer like me calls. 

2. I would like both companies to cancel these bogus charges and stop sending me these threatening collection letters. 
",Older American,Consent provided,Web,2016-02-29,Closed with monetary relief,Yes,No,CR1809014,10963
2016-02-29,Credit card,,Late fee,,"Eagle National Bank claims I am past due when I am set up on recurring payments. 
",,Consent provided,Web,2016-02-29,Closed with explanation,Yes,Yes,CR1809092,13923
2016-02-29,Credit card,,Delinquent account,,"Eagle National Bank has an old debt of mine that they charged off. They will not allow me to settle this debt at this point because they wrote it off as a loss but they are continually, on a monthly basis, reporting this debt to the credit bureaus as a "" late payment '' every single month. Their lack of regard for consumer credit reporting laws is stopping me from cleaning up the wreckage of my past and even more worrisome is making it impossible to get a home loan. 
",,Consent provided,Web,2016-02-29,Closed with explanation,Yes,No,CR1809341,3191
2016-02-29,Credit card,,APR or interest rate,,"Eagle National Bankn is charging me for "" residual interest '' but can not produce any documentation, disclosure or terms and conditions for the card, talking about this residual interest. 
The bank representative and manager told me I was supposed to hold on to the paperwork I got with my card when I first received it years ago ; they said that was the only way for me to get the information. I had this card for years and do not have this hard copy of the disclosure. They later told me I could get a copy of the disclosure if I applied again for the same card, because I would received another hard copy withthe new card. This did not make any sense. 

The representatives later admited that this information "" could '' be in the paper bill but it is not in the e-Bill, which means costumers ( like myself ) who choose e-billing per the bank 's recommendations to go green, are not informed about this residual interest calculation either. So, I am being charged residual interest when I have no access to any information on it. 

I had a {$0.00} balance since XXXX/XXXX/16 and Eagle National Bank charge me "" residual interest '' in their statement for the cycle that closed on XXXX/XXXX/16, 3 weeks later. 

I had this card for years under the impression that as long as I paid off my balance before statement closed I did n't have to pay interest for that period. No one at Eagle National Bank has been able to produce any documentation stating otherwise. 

I am being charged interest on a {$0.00} balance, based on policy changes that I was never informed about by Eagle National Bank, and they refuse to provide any documentation related to these interest calculation practices. 

Thank you. XXXX 
",,Consent provided,Web,2016-02-29,Closed with explanation,Yes,No,CR1809489,3081
2016-02-29,Credit card,,Billing statement,,"In the late-evening of XXXX XXXX, XXXX, I went to my Eagle National Bank Visa Account Online to check my balance. I discovered that my XXXX Statement ( covering the dates XXXX XXXX - XXXX XXXX ) had already posted. Because I could see my New Statement 's Balance as well as new Minimum Payment Due, I paid it right then. It was debited from my Bank Account on XXXX XXXX and this has been confirmed by Eagle National Bank as the date that this payment was posted to my Visa Account. However, I was later to discover that Eagle National Bank regarded this payment as having been made on my former statement ( for XXXX ), thus because I did not issue ( another? ) later payment for XXXX, that I have been overdue in my payments since. This resulted in my receiving Late Payment Fees of {$37.00} in both XXXX and in XXXX ( {$74.00} total ). Upon discovering this situation in late XXXX, I have sent and received messages at least XXXX 10 times through Eagle National Bank Visa 's Messaging Center, as well as having phoned and spoken to a LIVE Representative on the phone at least 3 times. I have also sent Bill Statements and documentation to Eagle National Bank 's Bill Disputes Office in XXXX XXXX, TX. Despite all of this, including that of being told that, not for me to worry as the situation is resolved and it will be shown on either my XXXX or XXXX ( at the latest ) Statement, it is NOT resolved, as I am still, even after my XXXX Statement - online today, XXXX XXXX - being regarded as OVERDUE and had a Late Payment Fee applied as of XXXX XXXX. In XXXX, my Statement advised that my Minimum Payment was {$990.00}. I paid {$490.00} on XXXX XXXX and {$500.00} on XXXX XXXX. On the evening of XXXX XXXX my online account indicated that I had paid this amount so that zero was due. The next day, my online Visa Account again stated that I owed {$490.00}! How so? Why? I messaged Eagle National Bank to confirm, thinking that if this "" Overdue '' indication remained on my Account, that I would again be debited a bogus Late Payment Fee. I received this reply : "" On XXXX XXXX, XXXX, XXXX at Eagle National Bank Visa confirmed this payment was received on XXXX XXXX, XXXX and was applied effective the payment date of XXXX XXXX, XXXX. This payment is applied towards your XXXX XXXX, XXXX due date for your account ending in XXXX, so there is no late fee on your account. '' However, today my new Statement is out and, once again, Eagle National Bank has issued me, not only a Late Payment Fee, they are also requesting a Minimum Payment Due of more than twice what is normal ( {$990.00} )! 
All of this, because I paid my bill conscientiously back at the end of XXXX according to what I saw on my online account. The phone calls and the information that I received have not helped me. The messages I have received have been misleading and incorrect. Even the letter that I received back from the Billing Disputes Department ( in XXXX XXXX ) has been confusing, although it did confirm my original payment date ( when things began going wrong in the context of this situation ), as XXXX XXXX, XXXX. This ( XXXX XXXX ) payment is even reflected on my end of XXXX ( ie. XXXX ) Statement/Bill, not on my end of XXXX Bill. As I have stated repeatedly to Eagle National Bank 's Reps, that I only paid due to viewing my XXXX Statement then posted online. That XXXX Statement did not state : Do not pay yet! 
With Eagle National Bank Visa 's left hand not knowing what the right hand is doing, I turn to you for help, please. ( I DO HAVE COPIES OF ALL OF THE MESSAGES THAT WERE COMMUNICATED BETWEEN MYSELF AND THE Eagle National Bank VISA MESSAGING CENTER, if needed ). 
",,Consent provided,Web,2016-02-29,Closed with monetary relief,Yes,No,CR1807755,108
2016-02-29,Credit card,,Credit card protection / Debt protection,,"Recently, Eagle National Bank lowered my credit limits on XXXX cards without basis. When I questioned them they told me it was due to XXXX reporting my account overdue -- -which was reversed after I filed a lawsuit against them. They dropped me {$6000.00} from XXXX cards causing me to have to drop out of school. When I researched it with XXXX XXXX, I saw that though Eagle National Bank promised to remove a hard inquiry that was done without my permission, it was still on my credit report. I called and spoke with XXXX XXXX, who told me that though the president 's office told me they would have it removed, it would just fall off in two years. She told me that though I had never been late for any payments, they lowered my credit cards and did n't care how it effects my good credit. When I asked for this to be escalated, she outright refused. Now, I have to drop out of school. I told her that XXXX made a mistake on my report, but she said they would have to foist another hard inquiry upon me in order to check. When I told her I sent a certified letter to the president she also told me he would not help me and that though I 've never missed a payment, they did this because of what XXXX did to me. 
",,Consent provided,Web,2016-02-29,Closed with non-monetary relief,Yes,No,CR1808305,3886
2016-02-29,Credit card,,Identity theft / Fraud / Embezzlement,,"My credit card company called me.in XXXX 2015 to report a fraud alert. I confirmed the fraud purchases totalling {$600.00}, yet they never took the fraudulent purchases off my statement and continued to charge me interest after I disputed the charges. I have written to them 3 times and never received a response. Ive emailed them requesting written responses and they say my only option is to call them ( which would leave no documentation ). 
",,Consent provided,Web,2016-02-29,Closed with monetary relief,Yes,Yes,CR1809846,4306
2016-02-29,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-02-29,Closed with explanation,Yes,No,CR1809827,2650
2016-02-29,Credit card,,Other,,,,Consent not provided,Web,2016-02-29,Closed with explanation,Yes,No,CR1808796,2682
2016-02-29,Credit card,,Convenience checks,,,,Consent not provided,Web,2016-03-02,Closed with explanation,Yes,No,CR1809740,3335
2016-02-29,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-02-29,Closed with non-monetary relief,Yes,No,CR1808399,3567
2016-02-29,Credit card,,Other,,,,Consent not provided,Web,2016-02-29,Closed with explanation,Yes,No,CR1809497,2233
2016-02-29,Credit card,,Other,,,,Consent not provided,Web,2016-02-29,Closed with explanation,Yes,No,CR1808961,4390
2016-02-28,Credit card,,Advertising and marketing,,"Eagle National Bank sent an offer for a card that has XXXX cash rewards for the 1st 6 months on gas, dining, cable, phone, and utility bills and XXXX on other items. They also offered {$200.00} cash back if {$500.00} was spent in the first 3 months. 
I applied on line ( XXXX XXXX, 2016 ) for this card by going to the website on the offer and putting in the code in the letter. 
When I received my statement, I noticed I was given points instead of cash back. I called and was told that the card that I was offered discontinued on XXXX XXXX. The card they gave instead has a lot less benefits and only {$100.00} cash back after spending {$500.00} in the first 3 months. I spoke to someone on XXXX XXXX when I applied for the card and asked about the {$200.00} cash back and verified that this was correct along with the XXXX cash back on specific items for 6 months. 
Why are they allowed to send offers for cards that they are discontinuing? 
Now I have a credit card that I do not want but can not cancel because credit bureaus give bad makes for you to cancel a card. And I might have trouble applying for another card that I would like because of the credit limit they gave me. 
I think this id false advertising. 
",,Consent provided,Web,2016-02-28,Closed with explanation,Yes,No,CR1807882,2281
2016-02-28,Credit card,,Rewards,,,,Consent not provided,Web,2016-02-28,Closed with non-monetary relief,Yes,No,CR1807725,2205
2016-02-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-02-28,Closed with monetary relief,Yes,Yes,CR1807861,2691
2016-02-27,Credit card,,Billing disputes,,"this is the second time i have contacted you. FIa was asked by me when they closed my accounts due to BUSINESS decision to eat my balances. i claled today to check was told to call a XXXX XXXX number that just asked me for my money that is not what i asked. so no letter or call to date has resolved it. i feel i should NOt have to pay the remaining balance due to how they treated me and closed my accounts. i will not endure any other adverse impact either to my credit. 
",,Consent provided,Web,2016-02-27,Closed with monetary relief,Yes,No,CR1807499,852
2016-02-27,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-02-27,Closed with non-monetary relief,Yes,No,CR1807321,4412
2016-02-27,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-02-27,Closed with explanation,Yes,No,CR1807394,269
2016-02-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-02-27,Closed with explanation,Yes,No,CR1807458,3126
2016-02-27,Bank account or service,Savings account,Deposits and withdrawals,,,"Older American, Servicemember",Consent not provided,Web,2016-02-27,Closed with explanation,Yes,Yes,CR1807437,6473
2016-02-26,Bank account or service,Checking account,"Account opening, closing, or management",,"I called in to Eagle National Bank on XX/XX/XXXX to get my balance and lo and behold it did not accept my telephone numbers, land which is XXXX for over 18 years nor my cell which XXXX for 5 or 6 years. Why because they had let some one change my phone # to a number no where near my ID numbers. Why they could tell me. This scares me, this is second time I had an issue with Eagle National Bank. When I was working on the road between different states, they told me they had not turned my check request in and I needed to order them again, meanwhile, they send out the XXXX order, which was stolen and I had the same checks in California. I had fly XXXX and change everything and go back work. How can Bank do these things without authorization? I am furious. Please advise. 
",Older American,Consent provided,Web,2016-02-26,Closed with explanation,Yes,No,CR1804284,465
2016-02-26,Bank account or service,Checking account,"Account opening, closing, or management",,"I had previously filed a complaint because I suddenly started getting {$25.00} monthly service charges on an account that had never been charged. The response I got was that my checking account was no longer tied to a mortgage account, so I would now be getting charged. Well, my account was never a mortgage account in the first place. I 've never even had a mortgage for it to be tied to. Your reason for charging me this fee each month is invalid. I was issued "" courtesy '' credits for a few months, but found that I 've been charged again for XXXX XXXX and XXXX XXXX. I 'm sure I 'm about to be charged again for XXXX XXXX. I would like a refund of the charges, and my account fixed so that it is like it was before. All I had to have was direct deposit to avoid monthly fees, and I 've had direct deposit for as long as I 've had the account. Please, do not send me any more freaking terms and conditions and cardmember agreements. They are n't even valid since my account was never tied to a mortgage! Do NOT call me. Email or regular mail only. 
",,Consent provided,Web,2016-02-29,Closed with explanation,Yes,No,CR1804248,340
2016-02-26,Bank account or service,Checking account,Using a debit or ATM card,,"I made an ACH debit card purchase with my XXXX Debit card which is directly tied to my Eagle National Bank checking account. Of that original purchase of approx {$300.00}, I returned a jacket valued at approx {$70.00}. I waited several weeks for the refund of {$70.00} to post back into my checking account at Eagle National Bank. I contacted XXXX and they insisted they posted the return. I submitted a claim to Eagle National Bank for the refund amount of {$70.00} due to returning a jacket. After their 30 days of research and me faxing in receipts etc they denied the claim. I called back and again explained that I only returned XXXX item of {$70.00} out of the original purchase of approx {$300.00}. They have escalated the claim and assure me I will receive my refund. On XXXX XXXX I again used my ACH XXXX debit card tied to my Eagle National Bank account for an original purchase of {$120.00}. I then returned approximately {$22.00} of that original purchase. Again the refund of my returned item did not go back into my checking account so I have filed yet another claim with Eagle National Bank to try and get my rightful money refunded. My concern is that this keeps reoccurring and I can not be the only XXXX debit and Eagle National Bank debit card holder this is happening to. If consumers do n't reconcile their purchase and return receipts, Eagle National Bank is just stealing this money and not returning it to its rightful consumers. This could be a huge class action lawsuit and this process need to to highlighted and stopped! 
",,Consent provided,Web,2016-02-26,Closed with explanation,Yes,No,CR1805774,4711
2016-02-26,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"On XX/XX/XXXX i received a letter in the mail indicating that i had unreported income from Eagle National Bank reported on a form XXXX in the amount of XXXX. I have not had a open Eagle National Bank Account since XX/XX/XXXX and further more I am in the military and was XXXX i have never received a check of any kind from Eagle National Bank. This concerns me because how could this company report a form XXXX when i never cash a "" supposed '' check that they "" claimed '' to have issued me? There filing is FRAUDULENT and has caused me to owe taxes for {$4000.00} for XXXX taxes. 
",Servicemember,Consent provided,Web,2016-02-26,Closed with non-monetary relief,Yes,No,CR1803872,667
2016-02-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XXXX/XXXX/16 I authorized an online bill payment through my Eagle National Bank ( EN ) online bill pay for {$93.00}. The payment was processed and remitted to the intended recipient, XXXX XXXX XXXX XXXX. Two weeks later I received a call from XXXX explaining that my payment was never received and I was being charged a {$37.00} late fee. I called EN and spoke to a lady in the fraud department who told me "" there was nothing EN could do about it '' and provided me with reference number XXXX ( I attached the recorded phone call. I was told to give that number to XXXX and they will be able to find my payment. I doubted the information would help and explained to the representative that I need more information. Instead, she cold transferred me to another department, where they were so busy they could n't take my call. I spent the next hour trying to reach someone in EN who could help me. Ultimately, I reached someone in the Bill Pay department who told me that I never sent an online Bill Payment for {$93.00} to XXXX. I told her the amount came out of my account and provided her with the reference number given to me earlier. She stated the reference number I was provided didnt help. She offered to conitnue transferrring me around to other departments. After much frustration and confusion, I checked my online bank account again. I confirmed that on XXXX/XXXX/16 an online billpayment was sent to XXXX for {$93.00} and this time was able to get a Payment ID # XXXX. I 'm not sure why the Bill Payment representative told me that I never remitted such a payment to XXXX. The online banking service clearly states "" XXXX : BILL PAYMT ID:XXXX : XXXX XXXX XXXX ID : XXXX. '' Now, my EN account is minus {$93.00} and EN has no idea what happened and tells me "" there is nothing they can do about it. '' The intended recipient of the payment never received the payment and EN states it was "" never sent to begin with on my part, '' which is obviously inaccurate. I 'm being charged a late fee by my other bank for {$37.00}. 
",,Consent provided,Web,2016-02-26,Closed with explanation,Yes,No,CR1805925,7241
2016-02-26,Credit card,,Billing disputes,,"Eagle National Bank is reporting a charge off for a credit card I have never had 
",,Consent provided,Web,2016-02-26,Closed with explanation,Yes,No,CR1806982,4275
2016-02-26,Credit card,,Other,,,Servicemember,Consent not provided,Web,2016-02-26,Closed with explanation,Yes,Yes,CR1806839,3156
2016-02-26,Bank account or service,Savings account,Deposits and withdrawals,,,,Consent not provided,Web,2016-02-26,Closed with monetary relief,Yes,No,CR1806949,1028
2016-02-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank let me apply for a mortgage for a condominium in XXXX Fl. Fully knowing they were in a legal battle with the Home Owners Association, and we 're not writing any mortgages for this particular property. 
Eagle National Bank charged be {$450.00} to apply. 
There after they B o A told me that the H O A did n't have enough insurance for the units, even though the condominium increased their insurance, even after they had underwritten XXXX mortgages in the corporation of the condominiums. 
They have refused to give me my application fee back. 
",,Consent provided,Web,2016-02-25,Closed with monetary relief,Yes,No,CR1804538,1661
2016-02-25,Bank account or service,Checking account,"Account opening, closing, or management",,"I am XXXX XXXX XXXX XXXX, I am a XXXX and I was studying XXXX in your country with a XXXX. I opened an account in the Eagle National Bank in XXXX, the account number is XXXX. 
XX/XX/XXXX I did an online transaction with my debit card, I paid XXXX dollars for eight ( 8 ) days in the XXXX hotel using a web site of XXXX. That company had a similar name of XXXX. When I received the confirmation email I realize that that company was strange maybe fraudulent. I called to the Eagle National Bank and blocked my debit card. After I called to the police and I called to Eagle National Bank again, and a girl said me that XXXX tried to get twice my money, then I started a process for a fraudulent website, but the bank made a mistake giving me XXXX temporary credits each XXXX for XXXX dollars. I returned XXXX credit XX/XX/XXXX in XXXX in an office, and I returned to XXXX XXXX XX/XX/XXXX and I did n't use the hotel. I did a deposit of XXXX dollars for the second credit from XXXX XX/XX/XXXX because the bank said me that it was n't a fraud transaction because I did it online. 
I did a new claim by non giving services to XXXX but XX/XX/XXXX the bank said me that the claim was closed and they did n't say me anything about the answer of that company. XX/XX/XXXX I called to Eagle National Bank front to cancell the account but they gave me another temporary credit that I did n't ask or want and they used this credit to lay the monthly maintenance fee. Now I am trying to return the credit to the bank but they do n't answer my calls if I use my account number. I do n't want to have his account opened because I am in another country. 
Please I want to close this account, candid it 's possible get my money back from XXXX. 
Thank you very much for your help. 
",,Consent provided,Web,2016-02-29,Closed with monetary relief,Yes,No,CR1805223,5046
2016-02-25,Bank account or service,Checking account,"Account opening, closing, or management",,"I went to deposit a check in my Eagle National Bank account from a relative. I was desperate with a sudden eviction after my apartment went condo so a relative helped me financially. After depositing it, their check was returned due to unpaid funds and I was charged a "" Returned Item Chargeback Fee '' for {$12.00}. This is a ridiculously unjust fee- how was I to know that the check I was depositing would bounce? Why am I penalized for this? 
",,Consent provided,Web,2016-02-25,Closed with monetary relief,Yes,No,CR1805051,2542
2016-02-25,Bank account or service,Checking account,"Account opening, closing, or management",,"In XXXX of 2015 I was sold a banking product by XXXX XXXX of Eagle National Bank. The various products were attached to an incentive of {$1500.00} in account credits after the account was opened and conditions were satisfied. These credits were never received, and on XXXX XXXX I inquired and received no response. On XXXX XXXX I inquired again and was told it was overlooked and would be sent within 15-20 days. On XXXX XXXX I asked for an update and was told the check would be sent by the end of the month. To this day nothing has been received and the bank is engaging in a classic baiting scheme. 
",,Consent provided,Web,2016-02-25,Closed with monetary relief,Yes,No,CR1803999,3462
2016-02-25,Credit card,,Identity theft / Fraud / Embezzlement,,"On or about XX/XX/2015 I ordered some gold and silver from a company in Texas. I gave them a credit card number, they took my money and since then I have called the company several times. They told me the gold and silver I ordered was not in yet but would be sent to me as soon as it came in. I continued to call regularly and they gave me the same story, so I waited patiently. I have XXXX telephone numbers for that company and upon calling them the last few days, I got a recording that those numbers have been disconnected. Today I called my consumer finance person in my state and he said after investigating, it appears that company is no longer in business. It appears I am out a lot of money and have nothing to show for it. I am hoping to have the company investigated and have my money returned to me as I am sure, now, that I will never see the gold and silver. 
",Older American,Consent provided,Web,2016-02-25,Closed with explanation,Yes,No,CR1805509,1561
2016-02-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,Other,Web,2016-02-25,Closed with explanation,Yes,No,CR1804960,6610
2016-02-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-02-25,Closed with explanation,Yes,No,CR1804607,3539
2016-02-25,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-02-25,Closed with monetary relief,Yes,No,CR1802137,1472
2016-02-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank credit card account has been paid in full and resolved but still shows on my credit report as non-payment amount of {$580.00}. I need this cleared from XXXX credit bureaus ASAP. 
",,Consent provided,Web,2016-02-24,Closed with explanation,Yes,No,CR1802085,999
2016-02-24,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank did not honor its Terms and Agreements set forth in their terms and agreements. Held funds and deposits, then close my Account and keep my {$500.00}. Close my account without any electronic confirmation. 
",,Consent provided,Web,2016-02-24,Closed with explanation,Yes,Yes,CR1801707,1135
2016-02-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I have a bank account with Eagle National Bank here in XXXX, NC. I write checks to pay all my bills. A number of times Eagle National Bank has allowed creditors to submit electronic withdrawals from my account without obtaining a cancelled check/check substitute from the payee ( merchant ). In other words they allowed the merchant to convert my check to an electronic transaction without my permission. I have gone to Eagle National Bank and asked them to stop this practice because it can lead to anybody just submitting electronic withdrawals against my account. I do n't know about the withdrawal by electronic transaction until I see my bank statement which is too late for me to stop it. I researched this problem and found that the Federal Reserve issued a new rule called "" Check XXXX ''. Check XXXX allows merchants to either return my original paper cancelled check to my bank or a substitute ( such as a picture of the original check ) and data as to when my check cleared. I had a discussion with the manager at my Eagle National Bank location and he promised to contact the merchant. The problem has not been solved. I even called the companies involved. XXXX company, XXXX XXXX XXXX, told me I have to drive to their office ( 45 minutes away ) if I want a cancelled paper copy of my check. Another company, XXXX XXXX ( an account I have had for many years and was never late in payments ) told me I should buy a money order to pay them!! I cancelled my account with XXXX XXXX. XXXX XXXX XXXX, on the other hand, is a service I need. I think these companies are being overly aggressive just to speed up their cash flow thinking that the customer wo n't take the time to complain. I have a debit card from Eagle National Bank that I use for local purchases ( gas, groceries, etc. ) My debit card with Eagle National Bank requires a PIN whenever I use it. On the other hand Eagle National Bank will allow out of town merchants, whom I have paid by check, to put through electronic withdrawals without question. I strenuously object to this-it is a bad banking practice. 
",,Consent provided,Web,2016-02-24,Closed with explanation,Yes,Yes,CR1802016,1008
2016-02-24,Credit card,,Rewards,,"Eagle National Bank closed my credit card account without any advanced notice. I had XXXX reward points that I now have no access too. My credit card payments were on time and my balance was only XXXX % of my limit. When I called to redeem my points they said they were forfeited. I believe this is unfair and illegal practice. 
",,Consent provided,Web,2016-02-24,Closed with explanation,Yes,No,CR1804818,520
2016-02-24,Credit card,,Other,,"Eagle National Bank has re aged a charged off account. This illegal tactic was found on both my XXXX Credit Report pulled on XX/XX/XXXX and my Transunion Credit Report on XX/XX/XXXX. Eagle National Bank charged off the account in XX/XX/XXXX The status report on XXXX credit report has account charged off, but with a balance past due as of XX/XX/XXXX. This is re aging, a direct violation of the Fair Debt and Credit Reporting Act. Also, I have proof in the certified letters sent to them XXXX that they could not verify the debt. They must change the status immediately and stop re aging the debt. Proof is attached. 
",,Consent provided,Web,2016-03-07,Closed with explanation,Yes,No,CR1801931,406
2016-02-24,Credit card,,Identity theft / Fraud / Embezzlement,,"In XXXX, a credit card with a new account was delivered from Eagle National Bank to my front porch via XXXX. No signature was required and it was just dropped off. Within 6 hours, the card was used fraudulently and the entire credit limit was used. I reported the card to my bank within 6 hours of the delivery and an investigation was opened. I have since found out the case was denied and I am responsible. I have asked the bank to reopen the case but they are telling me I 'm responsible for this until it is looked at again. I have XXXX pages of documents that I have tried to fax to them, including a police report, a receipt that shows the suspect gave his real name, city, and phone number, to make a purchase. I have faxed this information twice, received a confirmation that it went through, yet the bank still says they have not received the fax. In the past week, I have received three different answers to questions and do n't feel the bank is helping me. I have plenty of proof but continue to hear I must wait for the bank to assign this case again. They refuse to credit my account while they look into this and tell me I must make at least the minimum due in order to protect my credit rating. 
",,Consent provided,Web,2016-02-24,Closed with explanation,Yes,No,CR1800197,756
2016-02-24,Credit card,,Identity theft / Fraud / Embezzlement,,"My debit card was stolen and I did n't notice at first ( it was switched out with a fake one ). Whoever then stole it depleted my account from an ATM XXXX miles outside of the city I live in ( I do n't have a car, and even XXXX receipts can verify I was nowhere near this ATM. 

Eagle National Bank initially issued me a temporary credit for the stolen amount but then found the claim was denied, taking the amount back causing me to go negative and now are piling on over draft fees. 

I filed a police report the day this happened, appealed my claim and gave them the police report number so they could pull video footage from the ATM ( which would obviously prove it was n't me ). However they denied that appeal as well and I am stuck with nothing to do and my account being negative. 

I thought about taking legal action but the cost of a lawyer might even be greater than the amount taken. Someone stole my money, Eagle National Bank does n't believe me, and I want to prove that it was n't me. 
",,Consent provided,Web,2016-02-24,Closed with explanation,Yes,No,CR1802240,5753
2016-02-24,Credit card,,Other,,"XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 2015 Eagle National Bank , N.A . 
XXXX XXXX XXXX XXXX, XXXX XXXX To whom it may concern : In accordance with Federal Civil Rights Law, as stipulated by the Fair Credit Billing Act, you are obligated to comply with this lawful request for elaborated documentation for billing including charges and interest, as well as a FULL ACCOUNTING of where each bill was mailed, for the life of the account, or rescind these reports from every consumer reporting agency to which you have reported the same. 

Your expeditious and prompt handling of this matter is expected. 

Sincerely, XXXX XXXX XXXX 
",,Consent provided,Web,2016-02-24,Closed with explanation,Yes,Yes,CR1805414,1064
2016-02-24,Bank account or service,Checking account,Problems caused by my funds being low,,"On XXXX/XXXX/2016 I was charged XXXX XXXX $ overdraft fees totaling XXXX $ for charges to my EN checking account. My available balance was XXXX $ and I had a XXXX $ pending charge in my account, which I had time to make a deposit to cover the extra XXXX $ which I did at XXXX on XXXX. I was unfairly charged XXXX $ for charges that were in fact covered because I had the available money in my account to cover them ( XXXX, XXXX & XXXX ) and after my balance was XXXX. Eagle National Bank has charged me 5 times the amount that my account was overdrawn for and I think its absolutely absurd! These banks are getting away with charging its customers for fees that are not right and its very upsetting. I am closing my account with Eagle National Bank and I will tell everyone I know not to ever bank with them, because they are crooks! 
",,Consent provided,Web,2016-02-24,Closed with monetary relief,Yes,No,CR1802876,301
2016-02-24,Credit card,,Billing statement,,"I am being denied access to an itemized credit card statement by Target Redcard, which I need for tax purposes. Both paper and electronic statements simply list "" transaction '' and the total amount spent rather than the individual items. I was told by customer service that they can not provide me with the itemized statements although I can inquire about a particular purchase, which is unhelpful to me for tax purposes. Do I have a right to an itemized statement? 
",,Consent provided,Web,2016-02-24,Closed with explanation,Yes,No,CR1802102,4150
2016-02-24,Credit card,,Late fee,,,,Consent not provided,Web,2016-02-24,Closed with monetary relief,Yes,No,CR1803514,4807
2016-02-24,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-02-24,Closed with non-monetary relief,Yes,No,CR1802680,1485
2016-02-24,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-02-24,Closed with monetary relief,Yes,No,CR1799820,1944
2016-02-23,Bank account or service,Checking account,"Account opening, closing, or management",,"My husband and I received a total of XXXX letters from Eagle National Bank stating : "" Your personal Checking/Savings acount ending in XXXX will be restricted in 21 days, and closed 30 days from the date of this notice. 

After careful review of your banking relationship, we 've made the decision to close your account above. We 're notifying you in advance so that you have an opportunity to make other banking arrangements. We apologize for any inconvenience this may cause. '' The letters go on to list 'What I need to do and What you need to know. ' It is dated XXXX XXXX, 2016 and I received it today, XXXX XXXX, 2016. It has a XXXX ID # and a phone number I can call with questions. The phone number is XXXX Monday through Friday from XXXX to XXXX Eastern. 

By the time I got the letter and called the number they were closed but allowed me to leave a detailed message and stated that they would not be able to tell me why my accounts are being closed and would not reconsider their decision. My husband had called earlier in the day when they should have been open and got the same recorded message I got. The message stated they would call us back. 

I have been a good and loyal customer of Eagle National Bank for decades. I have a good amount of money ( preferred platinum customer ) in the bank, have a mortgage through the bank, and absolutely can not think of anything my husband or I have done wrong. I ca n't figure out what we could have possibly done for them to give us two weeks notice that our accounts are being closed. I 'm creeped out that they have come to some unknown conclusion about me that is so bad that they are severing our banking relationship. I have no way to defend myself. Please help me. I do n't know what else to do. 

Thank you, 
",,Consent provided,Web,2016-02-23,Closed with explanation,Yes,Yes,CR1799960,6183
2016-02-23,Bank account or service,Checking account,"Account opening, closing, or management",,"On or about XXXX XXXX, 2015, I received a call from someone identifying himself as being from the Eagle National Bank fraud investigation department, inquiring about some "" suspicious '' charges to my account. He asked if I had used my debit card in California or knew anyone there, or if anyone else had access to my banking credentials. I told him that I did n't know anyone in California and did n't believe anyone had access to my account, but that it was possible my father did XXXX I later confirmed that he did not ). I then clarified to say my father had my account and routing number to facilitate transfers into my account. He said there were some suspicious charges on my account and that he "" did n't like my answers '' and because of that, he was immediately closing my account. When I asked why, he replied "" I do n't have to give you a reason ''. That was it. 
On XXXX XXXX, I went to the local EN branch to try to find out what happened. They printed out a list of all of my activity from the previous three months. I noted that there were XXXX transactions in the amount of either {$1.00} or {$1.00}, all occurring on XXXX XXXX. They were all clearly marked as "" XXXX '' and showed a billing address in California. I did in fact make those donations to a XXXX broadcaster that I follow during one of their live feeds. Obviously, those were the transactions that their investigator was calling about, but he never mentioned XXXX or the amounts and since I did not know that XXXX was located in California, I did not make the connection. 
I also learned during my visit to the branch on the XXXX that my account was flagged in such a way that I was not allowed to open another account at Eagle National Bank and I have since learned that his report could prevent me from opening accounts at ANY bank. 
I did nothing wrong or even suspicious. I was called out of the blue, awoken by one of EN 's inadequately trained investigators asking vague questions, who made a snap and incorrect judgment. I was then told that he did not have to give his reasons or any justification at all for his decision. 
",,Consent provided,Web,2016-02-23,Closed with explanation,Yes,No,CR1799337,4806
2016-02-23,Credit card,,Billing statement,,"As I understand it, credit card companies are required by law to list the interest rates and balances subject to these interest rates on monthly credit card statements. I 've notified Eagle National Bank on many occasions that my credit card statements, more often than not, DO NOT include this important information. As of my last complaint about it, EN reached out to me and said it was a result of a system upgrade and my statements would now include that information. As of XXXX 2015 my monthly statement included the information I was expecting. It seems they corrected the problem for 2 months as XXXX 's statement to current no longer provides this information. 
",,Consent provided,Web,2016-02-23,Closed with explanation,Yes,No,CR1801146,108
2016-02-23,Credit card,,Billing disputes,,"EN, Eagle National Bank, deducted money from my checking account in XXXX XXXX and in XXXX XXXX for a credit card that was not in my name, without my ss number, without any application from me, without my signature, and with no charges authorized or made by me. EN simply had access to my EN checking account and deducted {$300.00} in XXXX, then {$2300.00} on XXXX XXXX. 
My husband and I bought a XXXX in XXXX, called XXXX XXXX XXXX. The business ended and the corporate name was XXXX XXXX. XX/XX/XXXX, I began to receive calls about a credit card for XXXX XXXX XXXX ; it was the first time I knew about that card. I gave the company my address so that person could forward any information showing where and when I authorized the card. At that time, EN did not have anything except my name and telephone number. I never received any information I requested. However, on XXXX XXXX, I noticed a debit from my checking account of {$300.00}, with the explanation- '' bankcard debit business/commercial card-right to set off. Those dollars were part of my SSI. And, when I asked the next person I spoke to, he told me the bank would not make that debit. 
Upon the advice of an attorney, I stopped using that account, except for a few online bill pays. ( Again I wish to note that several requests then and later in the year, for any documentation of my card application, my signature on the application, were never fulfilled. I have never even had an actual credit card or made any charges on the card. ) Then in XXXX of this year, my husband transferred some of his SSI ( he 's XXXX ) via check into my personal EN checking acct and I too transferred $ $ $ from my SSI into the EN checking account for XXXX expenses. Within one week, on XXXX XXXX, when I checked my checking account, EN, had deducted {$2300.00} from my account. The explanation was "" debit for charges on account ''. So, I am initiating a complaint ... .never any documentation for this Credit Card, which is not in my name. 
",Older American,Consent provided,Web,2016-02-23,Closed with explanation,Yes,Yes,CR1799853,2712
2016-02-23,Credit card,,Billing disputes,,"Credit card company transferred a charge from a previously closed account to a new account without our authorization. ( The supplier had been authorized on the previous account. ) 
",,Consent provided,Web,2016-02-26,Closed with monetary relief,Yes,Yes,CR1801582,3644
2016-02-23,Credit card,,Identity theft / Fraud / Embezzlement,,"I filed a disputed with my credit card company who did n't take same size against the consumer company and let them take {$41000.00} from my account. every time, I contact my bank and the company. I did n't get any result. The company make me an offer to give me back only 10 % on the amount they took from me. 
",,Consent provided,Web,2016-02-26,Closed with explanation,Yes,Yes,CR1801304,1611
2016-02-23,Credit card,,Other,,"I have sent a certified mail return receipt direct dispute under FCRA 623 to Eagle National Bank based on disputes of the original date of first delinquency and outstanding balance they are reporting to all three credit reporting agencies. This was after they have repeatedly confirmed invalid data during my disputes to each credit reporting agency. This was received and confirmed by the USPS on XXXX/XXXX/2015. 

Ultimately, it has been over 60 days since I sent my direct dispute to Eagle National Bank 's registered agent and there has been no response. Their failure to respond and continued incorrect reporting is an FCRA violation. 
",,Consent provided,Web,2016-02-23,Closed with explanation,Yes,No,CR1799260,720
2016-02-23,Credit card,,Other fee,,"I used Merrill Lynch travel services to book my XXXX trip using my credit card and did not note any penalties for changes on their website or tickets. In addition, my eticket receipt did not arrive with any change fee disclosures. I needed to change my return location from XXXX, XXXX to XXXX, XXXX, which is also the city that I should be flying in to, but when I called the travel center they informed me of all these change fees that included a {$270.00} airline per ticket fee and their service fee of {$30.00} per ticket. Even though the total price is now lower than what I originally paid for ( {$810.00} compared to {$1000.00} ) they will not refund me the difference or apply the credit to the airline penalty fee. They blamed the airline for these fees and for not refunding me the difference, so I called XXXX and they told me that they were not able to help me because I did not purchase the tickets with them. I asked about the price difference and they said that the ML should take care of that for me. I called them back and they said no and that they could only waive their {$30.00} change fee. I was not appropriately disclosed of these terms and would like to see a change without any penalties or a full refund. It appears that ML is engaged in the travel business without clearly disclosing the fees to its customers. 
",,Consent provided,Web,2016-02-23,Closed with explanation,Yes,Yes,CR1799686,10563
2016-02-23,Bank account or service,Checking account,"Account opening, closing, or management",,"I 've been a customer of Eagle National Bank NA ( formally, XXXX XXXX ) for more than a decade. 
Now Eagle National Bank said they will close my accounts for no reason. 
I depend on over XXXX vendors and bill pay and automatic debits to use my accounts and XXXX of Eagle National Bank. Also, some accounts are with my partners. They can not be closed. 
Please look into this and keep all my accounts OPEN. 
There are no issues nor concerns. 
",,Consent provided,Web,2016-02-24,Closed with explanation,Yes,No,CR1799204,3310
2016-02-23,Bank account or service,Checking account,Problems caused by my funds being low,,"I notified Eagle National Bank in writing that I filed a Chapter XXXX Bankruptcy Petition in the XXXX XXXX Bankruptcy Court on XXXX XXXX, 2016 in case no XXXX and that they needed to stop plundering my bank accounts in overdraft charges, finance fees, and other plunders because my XXXX checking accounts ( ending in XXXX and XXXX ) were both in the negative and they needed to cease and desist. However, in direct violation of the federal automatic bankruptcy stay, these criminal bankers continued to plunder my bank accounts anyway, with {$35.00} here, and {$75.00} there, and {$100.00} there etc, over and over again, to the tune of almost {$1000.00} in fraudulent bank charges which have driven me even further into debt, thus not even allowing me to pay my child support, food bills, and other important things. Even though I called them repeatedly and spoke to someone named XXXX in the XXXX branch who said she was a supervisor on or about XXXX XXXX, 2016, she cruelly and meanly told me she did not care about my bankruptcy and that she would not be returning any of these ill-gotten plundered bank fees and charges to me, and that they would stay as the property of Eagle National Bank. Because of this behavior, and if I do not get a response soon, I will be filing a contempt of court motion against Eagle National Bank for criminal and civil sanctions. 
",,Consent provided,Web,2016-02-23,Closed with explanation,Yes,No,CR1800814,4720
2016-02-23,Credit card,,Credit line increase/decrease,,"It is impossible to speak with someone about my credit, credit limit, etc. or get any questions answered about the Target Red Card. All of the information about whether or not I can receive a credit limit increase, etc. is confidential, and can not speak to anyone about it. 
",,Consent provided,Web,2016-02-23,Closed with explanation,Yes,Yes,CR1799484,1069
2016-02-23,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-02-23,Closed with monetary relief,Yes,No,CR1799257,2235
2016-02-23,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,Other,Web,2016-02-23,Closed with explanation,Yes,No,CR1801158,4142
2016-02-22,Credit card,,APR or interest rate,,"Eagle National Bank issues introductory rates of 0.00 % interest. They would show that interest rate and expiration date of that rate in a certain part of the page when viewing your transactions. Near the end of your introductory rate that effected all purchases, they would offer 0.00 % on balance transfers. They would stop showing when the 0.00 % expired for the first period and only show the second period. The only problem to me is that this is on the exact same part of the page that previously showed the introductory rate. This seems like an unfair and deceptive practice. I was charged interest because I thought that the introductory rate was still on that part of the page. 
",,Consent provided,Web,2016-02-22,Closed with monetary relief,Yes,No,CR1797570,12303
2016-02-22,Credit card,,APR or interest rate,,"I paid my credit card balance of {$970.00} on XXXX/XXXX/16 due within the due date of the statement cycle and was charged interest of {$4.00} on XXXX/XXXX/16. They stated that the interest was charged because i had a previous statement cycle that was not paid off. Why would I get charged interest for paying the balance due for that month. My understanding is that this is not allowed under Regulation Z. Thanks 
",,Consent provided,Web,2016-02-22,Closed with monetary relief,Yes,No,CR1798504,1886
2016-02-22,Credit card,,Other,,"My roommate has a couple of credit cards. At no point The Credit Bureaus have been provided with my social security number. I am listed as an authorized user on the crads. However, I NEVER gave them my social security number. They are providing information based on just my name. According to the FTC. The Credit Bureaus must have the the persons social security in order to report the information. I received a leller from XXXX of the credit bureaus trying to verify my personal information. I am not going to provide them with my personal information in order for them to clean up the illegal reporting that they are doing. I demand that they take the reporting off my credit report. It is affecting my income to credit ratio and negatively affect my FICO score. According to the FTC they must have full authorization from me to report and they do not have it. I did not provide Eagle National Bank my social security. therefore. The amount MUST be removed from my credit report. This will be the third issue I filed. The first XXXX was XXXX, The other XXXX was XXXX & XXXX Bank. 
",,Consent provided,Web,2016-02-25,Closed with non-monetary relief,Yes,No,CR1798492,337
2016-02-22,Credit card,,Billing disputes,,"The problem started in XXXX of XXXX. Eagle National Bank offered ( via promotional checks ) "" No Payment, No Interest '' terms on my credit cards, but repeatedly charged interest during that period even though payments were made on time. 

I had to call at least XXXX different times ( spending on avg 1 hr for each call ) to get interest that was inaccurately charged to my account removed. 

The matter was escalated to XXXX different managers, each promising a quick resolution & no further errors in processing the interest on the statements, however as of XXXX XXXX XXXX, the issue remains unresolved & I have been once again charged interest, even though I am within the promotional period & have been making my payments on time. 
",,Consent provided,Web,2016-02-22,Closed with monetary relief,Yes,No,CR1798611,506
2016-02-22,Credit card,,Credit determination,,"I filed an application for a credit card after receiving an email inviting me to open a credit card from Eagle National Bank. A week late I received a denial letter from them for the reason stated on their letter of "" your income is not sufficient in relation to your amount of debit '' and also stated that my credit score is XXXX. I was astonished by that since I am debit free. They stated on the letter that they got the information from XXXX agency report. I then thought that I probably became victim to identity theft. I then downloaded my credit repot from XXXX website and printed out. The report showed no debit at all in contradiction to what Eagle National Bank claim. On XXXX XXXX I called Eagle National Bank credit dept. to discus the matter and to ask them to fix this issue. I spoke to costumer service who said her name was XXXX and declined to state her last name. She offered me an apology and nothing else. She asked me to contact XXXX and I tried to get her to be logical saying that I downloaded their report about my credit history and I have it in my hand right now so please go over the line which state that I have any debit and let 's go over it together but she did n't do it simply because the reason they claim does not exist. My discussion with her was to no avail and she declined to put her supervisor on the phone with me. Now I am filing this complaint to bring this institution 's mater to light as I felt discriminated against and insulted by their declining me a credit card. 
",,Consent provided,Web,2016-02-22,Closed with non-monetary relief,Yes,No,CR1797407,1137
2016-02-22,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-02-22,Closed with non-monetary relief,Yes,No,CR1797592,4249
2016-02-22,Credit card,,Other,,,,Consent not provided,Web,2016-02-26,Closed with explanation,Yes,No,CR1798843,4592
2016-02-22,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-02-23,Closed,Yes,No,CR1798548,1796
2016-02-21,Credit card,,APR or interest rate,,"I have been a customer with Eagle National Bank for many years, having a credit card from there since 2011. In XXXX, I applied to change from a XXXX Rewards Card to a XXXX Rewards card. Before applying, I had spoken to a customer service representative to make sure I qualified for all of the benefits that other people who apply for the card receive, including 0 % Intro APR for 12 months. I have a transcript from the conversation. Unfortunately, I am being charged interest despite the fact I was told I would not have to. Hoping this to be a clerical error, I then spoke with XXXX people from Eagle National Bank and all of them stated that there is nothing they can do. 

I am upset because I have specifically planned and changed the credit card to benefit from the 0 % APR for 12 months, as I had some big purchases planned. The extra interest payments are an added hardship that have forced me to change my plans and financial planning. I was specifically lied to get this card and am now told there is nothing I could do. I would close my account with them, but do n't want to hurt my credit score. 
",,Consent provided,Web,2016-02-21,Closed with monetary relief,Yes,No,CR1797044,11319
2016-02-20,Bank account or service,Savings account,Deposits and withdrawals,,"Eagle National Bank representative gave me an instruction over the phone on how to receive my money from a loan company since I do n't have a checking or savings account yet. She instructed me to use my daughters savings account even though its ' blocked pertaining that it shows my name on the account which it does as a guardian and my name as well from the loam company. I was told to open a checking or savings account just under my name as soon as possible. In less than 24 hrs, I was inside a banking center opening a checking account. The personal banker who was helping me advised me that she can not do a transfer because its a blocked account and the funds are still in transit, meaning funds are still pending to transfer. I explained to her what 's going on and she decided to call their legal department. She had the gentleman from their legal department on the speaker, and after she explained to him the situation, it was loud and clear that this guy told her to make sure my own account either checking or savings be established or open and come Monday - the XXXX, of XXXX, once the funds are showing available, they can do the transfer. I showed up Monday as soon as the bank opens - the personal banker that was helping me last Friday was n't in yet so another personal banker tried to help me. Unfortunately, here 's where the problem started : the legal department denied my transfer even though I got all the paper works. The Personal banker who was helping me finally came in and took over the situation, but she too was denied. She was looking for the gentleman she spoke with from their legal department but the lady who she 's talking to during that time and who is also from the legal department told her that the guy is not available and there was no notes on the account. They want me to go to court to asked for a document signed by a judge stating that Eagle National Bank will not held responsible for any loss of money. I went to XXXX different court, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I even called the state of XXXX where the account was open. Every one of them said the same thing. Eagle National Bank is washing their hands and they want me to do the work. Since BofA is claiming that this is a blocked account, if that 's the case, then they should have rejected the transfer in the first place specially when the name of the minor does n't show up on the deposit or transfer. XXXX, Bof A should have notified me before accepting the transfer, they example what if it 's illegal money or bad transaction. BofA should be monitoring this and as a blocked account, both deposits and withdrawals need to be monitor and the guardian should have been questioned first before completing the transaction. All courts said that their is no paper available because my loan is not a court order in the first place. I am not closing the account ; I am not withdrawing my child 's money and I am taking my own money, my own loan which the back allowed to be deposited in the first place. All the courts I went is clueless and helpless, they said I am in the mercy of the bank. Eagle National Bank made a mistake but they wont accept it. I was told by the courts that Eagle National Bank has no court order to keep my money. The bank has a court order back in 2013 to open a blocked account for the amount of {$540.00}, I will be the guardian to monitor my daughters money in the amount of {$540.00}. They have no order to hold my money. 
",,Consent provided,Web,2016-02-20,Closed with non-monetary relief,Yes,No,CR1796679,2294
2016-02-20,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Who it may concern, My company sales through the phone computer and services. My Merchant Account Manager is Eagle National Bank. On XXXX, XXXX 2016 ; I received a request from Senior Procurement Manager of XXXX a quote for XXXX Laptops. After some basic verification, I send a quote for XXXX laptops. This quote was sent because the Senior Procurement Manager of XXXX XXXX told me by phone send only XXXX laptops to Alabama and the next will be send to other office. This Senior Procurement Manager of XXXX told me that company will paid with a credit card, which I accepted because we have merchant account services with Eagle National Bank. Before to process the credit card I called at Eagle National Bank several times, as is show in the report of my phone records. I called to verify the credit card information and the good standing of that credit card to process. 
XXXX XXXX ( XXXX ) XXXX Outbound PST 3 Minutes Eagle National Bank XXXX XXXX ( XXXX XXXX XXXX Outbound PST 22 Minutes Eagle National Bank XXXX XXXX ( XXXX XXXX XXXX Outbound PST 8 Minutes Eagle National Bank XXXX XXXX ( XXXX XXXX XXXX Outbound PST 4 Minutes Eagle National Bank XXXX XXXX ( XXXX XXXX XXXX Outbound PST 1 Minutes Eagle National Bank In all those calls the Eagle National Bank representative told that those credit card was in good standing to process. So Eagle National Bank always state "" the credit card is ok and do n't worry about that, and your money will transfer to your business account XXXX hours after the transaction was made. '' I order my distributor to ship XXXX Laptops. The laptops were ship to Alabama. XXXX shipped the laptop on Saturday XXXX, 2016. Until that day Eagle National Bank never call me. AFTER 5 DAYS, On Monday XXXX XXXX, 2016. A Eagle National Bank representative call me ; he identifies himself as XXXX XXXX. This called happen in the morning around XXXX XXXX. I miss the first called, so I return the called and spoke with him. In that call he ask me for the invoice for that transaction. I sent the invoice and credit card authorization form that Senior Procurement Manager of XXXX XXXX sent to XXXX. 
Around hour later XXXX XXXX called me again to tell me that that transaction was a fraudulent transaction. That this credit card was report stolen. I explain him that I called Bank America representative to verify the good standing of that credit card, and he told whoever answer the call never verify the information of that credit card. He apologized for that and hung me up. I called one more time to customer service and open a complaint with a supervisor. This supervisor told that someone from Bank America will call me in the next two or three business days. After a week I called again but the representative told me that this is not a Bank America problem. 
After that I called one more time and I spoke with a supervisor who identify himself as XXXX and he state that his employee ID is XXXX. He refused to give a case number for this complaint. 
",,Consent provided,Web,2016-02-20,Closed with non-monetary relief,Yes,Yes,CR1796519,3705
2016-02-20,Credit card,,Payoff process,,"Around 18 months ago, I took out a "" direct deposit '' from my Eagle National Bank credit card that carried a XXXX % deposit fee and 0 % APR for 18 months. The promotional period ended XXXX/XXXX/2016. I made minimum payments for 18 months and after receiving my XXXX/XXXX/2016 bill, I scheduled a payment in full for XXXX/XXXX/2016, which was within the payment period of due date XXXX/XXXX/2016. Prior to XXXX/XXXX/2016, I contacted Eagle National Bank to inquire when my promotional interest rate was ending. I was not told by the XXXX that I would have to pay my balance in full by XXXX/XXXX/2016 to avoid any interest charges. On XXXX/XXXX/2016, I received my Eagle National Bank statement reflecting a {$100.00} interest charge. When I called Eagle National Bank to contest the fee, I was told that I should have known that I needed to pay in full by XXXX/XXXX/2016 because that is the date the promotional APR ends. I believe that this is a deceptive tactic, because at no point did Eagle National Bank make it clear that I would have to make a full payment on or before XXXX/XXXX/2016 to avoid interest charges. Whenever I use a credit card, I avoid interest as long as I pay the balance in full before the due date. It made sense for no interest to accrue between by statement date of XXXX/XXXX/2016 and my next statement of XXXX/XXXX/2016 as long as I paid the balance in full. This deceptive practice has resulted in a steep interest charge that is unfair and predatory. I do not think I should have to pay this charge. 
",,Consent provided,Web,2016-02-20,Closed with monetary relief,Yes,No,CR1796685,1586
2016-02-20,Credit card,,Other,,"Eagle National Bank has cutting edge XXXX XXXX XXXX on everything else ( e.g. ATM machines ), yet its in the stone age on allowing credit card users to autopay a credit card. 

Users must go to to XXXX in order to do so, and even then it would n't be accomplished for XXXX payment cycles for a new enrollee. 

They enrolled me over the phone, and they put me on minimum pay when I wanted the balance auto paid. 

As platinum member, I get refunded interest when I called later. Responsiveness is great, but the system seems designed to make it as hard as possible to auto-pay the full balance. 
",,Consent provided,Web,2016-02-20,Closed with explanation,Yes,No,CR1794929,836
2016-02-20,Credit card,,Billing disputes,,"fia told me they would write off my balances but continue to send me a bill they treated me like garbage closing my accopunts which should not even be legal and i hope is not before i die one day. i do not understand why i am getting bills from them still when all was told to me would be written off. please explain i truly want nothing to do with them there has been no follow through. i keep getting statements and no answers tired of waiting and getting fees which i will not pay 
",,Consent provided,Web,2016-02-20,Closed with monetary relief,Yes,No,CR1796666,679
2016-02-20,Bank account or service,Checking account,Problems caused by my funds being low,,"On XXXX/XXXX/2016 I deposited my pay check and on XXXX/XXXX/2016 authorized ACH transaction Of {$20.00}, {$50.00}, & {$50.00} and it presented to bank next day I.e XXXX/XXXX/2016 my Eagle National Bank looked to grab the opportunity and cleared my check on XXXX/XXXX/2016 and charged me fees of {$100.00} When I complained the bank reversed {$35.00} .I have never opted in for any overdraft protection but I believe bank delayed clearing my check so to charge overdraft fees.pls help is it legal. 
Thank you for attention 
",,Consent provided,Web,2016-02-20,Closed with monetary relief,Yes,No,CR1795197,2170
2016-02-20,Credit card,,Billing disputes,,"Hello, I received an email on XXXX stating I needed to make a payment : Statement Balance : {$350.00} Payment Due Date : XX/XX/XXXX Minimum Payment Due : {$100.00} I not sure if they are charging me a late fee? 

How can Target report me for a late payment and send the account to collections when I have been paying the account. This has also lowered my credit score. I tried to talk to the company to correct their oversight, but they have informed me their is nothing they can do. 

I made a payment on : XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00} ELECTRONIC PAYMENT I received a letter that my account went to collections. I called the Target to correct the matter on XXXX. I was told that they will not correct their report to the credit Here is all my payment history : XX/XX/XXXX {$250.00} ELECTRONIC PAYMENT XX/XX/XXXX {$100.00} ELECTRONIC PAYMENT XX/XX/XXXX {$170.00} ELECTRONIC PAYMENT XX/XX/XXXX {$370.00} ELECTRONIC PAYMENT XX/XX/XXXX {$290.00} ELECTRONIC PAYMENT XX/XX/XXXX {$190.00} ELECTRONIC PAYMENT XX/XX/XXXX {$520.00} ELECTRONIC PAYMENT XX/XX/XXXX {$50.00} ELECTRONIC PAYMENT XX/XX/XXXX {$180.00} ELECTRONIC PAYMENT XX/XX/XXXX {$95.00} ELECTRONIC PAYMENT XX/XX/XXXX {$35.00} ELECTRONIC PAYMENT XX/XX/XXXX {$220.00} ELECTRONIC PAYMENT I 'm not sure if I have been charged a late fee but if I have I would like that money returned ASAP. 
",,Consent provided,Web,2016-02-20,Closed with explanation,Yes,No,CR1796466,3516
2016-02-20,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-02-20,Closed with non-monetary relief,Yes,No,CR1796536,944
2016-02-20,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-02-20,Closed with explanation,Yes,Yes,CR1796616,1721
2016-02-19,Bank account or service,Savings account,"Account opening, closing, or management",,"I opened a Rewards Money Market Savings Account with Eagle National Bank. Upon opening the account, I was informed that a {$12.00} monthly charge existed unless certain conditions were met, including linking my savings account to a Eagle National Bank Checking Account which I also have. I proceeded to follow the steps to link the accounts and confirmed on the Eagle National Bank website that my accounts were linked. However, I noticed that my account was still being assessed the monthly maintenance fee. Upon calling Eagle National Bank, I was informed by a customer service representative that the "" linking '' of accounts occurs behind the scenes and is not customer initiated. I was informed that I had only "" linked '' the accounts for overdraft protection, and despite the information on my account webpage stating that the accounts were linked, they were not linked for purposes of waiving the monthly maintenance fee. I was further informed that I could not see from the website whether or not my accounts were "" linked '' for purposes of waiving the monthly fee. Please be aware of this misleading a deceptive practice by Eagle National Bank. While it cost me a relatively small amount, there could be much greater effects for others. 
",,Consent provided,Web,2016-02-19,Closed with monetary relief,Yes,No,CR1794973,591
2016-02-19,Bank account or service,Checking account,Deposits and withdrawals,,"I tried to deposit {$100.00} dollars ( XXXX XXXX ) cash at the Eagle National Bank branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and the teller receiving the deposit request my Driver License so she could swipe it to which I responded with a NO because I did not think that it was proper for the Bank to obtain my personal information which is encoded in my Drivers License, besides I was making a deposit on someone else 's account NOT my personal account. She refused to take my deposit After I said No the teller told me that the Bank was required by the Internal Revenue Service to request such information from anyone XXXX depositing cash no matter the amount to which I responded that the Internal Revenue Service requires additional information when the deposit is {$10000.00} dollars or more in cash She sent me to speak to a customer service agent which I did I received the same response Eagle National Bank will No accept my cash deposit of {$100.00} dollars cash unless I am willing to provide them with my Drivers License so that can register my information. 

I know what the Internal Revenue Service requirements are as to cash deposits and I find it unbelievable that Eagle National Bank is using the IRS name to collect private information If I am correct with my assertion I respectfully request that you send Eagle National Bank a Cease and Desist letter so that they stop using the Internal Revenue Service as an excuse to collect private information. 
",,Consent provided,Web,2016-02-19,Closed with explanation,Yes,No,CR1795276,1083
2016-02-19,Bank account or service,Checking account,Deposits and withdrawals,,"not to long ago before i moved back home to Florida i closed my account with Eagle National Bank. When i decided to reopen an account with another bank such as XXXX XXXX i was told that there was a problem with my account and the problem was that there was fraud on it. A while before that i had lost my wallet while i was still in California and i recently called my old bank ( today XXXX/XXXX/XXXX ) to make a claim about the situation, they told me that i should call the police department and make a report about losing my belongings XX/XX/XXXX. My everything was inside my wallet including my social security card, High school information, my address, and a few I.D pictures of myself and also my online banking information which included my log in info to my account. 
",,Consent provided,Web,2016-02-19,Closed with explanation,Yes,No,CR1795770,11875
2016-02-19,Credit card,,Other,,"Purchased some furniture from a furniture store. We bought a sofa and love seat, a bunk bed and a mattress. The sofa and love seat were suppose to have wooden legs and removable cushions. The legs were plastic and the cushions were sewn in. The bunk bed turned out to be XXXX different colors. The mattress had a manufactured on date the same as the date we purchased it. We tried to resolve this with the merchant but were unable to do so. Filed a dispute against the XXXX with Eagle National Bank, the company whose credit card we used. We filed the dispute about XX/XX/XXXX. Soon after we were informed the dispute was denied because we did not submit necessary information. The person I talked to reviewed the file and saw that I had actually submitted the necessary information and they would resubmit it. Later we were informed that the pictures showing the problems with the products were not acceptable. I had to write out what the problem was. Pictures showing the problems were apparently not good. XX/XX/XXXX we received a letter dated on XX/XX/XXXX that the claim was denied. It stated that all available options were exercised and they were unable to obtain a credit from the merchant. And that they considered the claim resolved and wo n't respond to any further correspondence relating to this claim. We are not sure why they denied our dispute considering the documents we submitted to support it. And any attempts to find out have not be productive. Apparently they are not responding to any further correspondence relating to this matter. I have even attempted contact on XXXX and after doing what they say, do n't hear anything back. I can not give exact dates because when I attempt to access the information on their website it seems to have been removed. They wo n't answer my question on why that is either. On my account they have my address and phone number but tell me to send contact info. When I do they say they did n't receive it, even though they already have it. This has been going on for 4 months. All of the items we purchased had issues. Ca n't submit certain documents because I ca n't access them even though Eagle National Bank says they will be accessible for 120 days. Eagle National Bank has yet to answer why I ca n't access even though I have made numerous attempts to find out. 
",,Consent provided,Web,2016-02-19,Closed with explanation,Yes,Yes,CR1796057,2452
2016-02-19,Credit card,,Unsolicited issuance of credit card,,"This is in connection with Case number : XXXX. I could not find any where to supplement my initial complaint. On XXXX/XXXX/XXXX I was contacted by B of A representative XXXX XXXX. I explained the deceptive nature of the Signature Card promotion. I asked XXXX XXXX why B of A did not disclose that by applying for the Signature Card, I was also applying for the junk Platinum card. She told me that I had not applied for the Platinum card, but that B of A had given it to me anyway, because it did not want to give me the Signature Card. This is even worse, because B of A admits that it sent me a credit card that I had not asked for, and it arrived with a {$50.00} charge already on the account before I even activated the card. Also, B of A reported this card on my credit report, despite the fact that I had never applied for, or activated the card. 

Since B of A now admits that I did not apply for this card, it violated 15 USC 1642 by sending me the card, for which it charged me {$50.00}. 
",,Consent provided,Web,2016-02-19,Closed with monetary relief,Yes,Yes,CR1793250,2971
2016-02-19,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2016-02-19,Closed with monetary relief,Yes,Yes,CR1795322,2809
2016-02-19,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-02-24,Closed with explanation,Yes,Yes,CR1796344,2333
2016-02-19,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-02-19,Closed with explanation,Yes,Yes,CR1794820,2156
2016-02-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"At the Eagle National Bank Branch located at XXXX XXXX XXXX, XXXX, MO XXXX where I have my personal checking account. One day XXXX XXXX XXXX a Loan Officer of Eagle National Bank suggested that we should look into changing our Merchant Accounts to process our credit card transactions at our XXXX. XXXX XXXX XXXX introduced to XXXX XXXX XXXX Assistant Vice President of Bank of Amerca and he was excited to know that we have XXXX and XXXX have credit card transactions done by different companies, XXXX and XXXX. XXXX XXXX XXXX has promised to us that if we transfer the XXXX accounts to Eagle National Bank, he would give us a very good deal ; in that they would pay us {$500.00} if we are not saving money using Eagle National Bank Merchant Services for our XXXX. 

XXXX XXXX XXXX has promised us that : 1. Eagle National Bank would insure that the credit card readers for XXXX were going to be in compliance, as of this writing of this letter, nothing has been done to the equipment to bring them up to compliance. 
2. Eagle National Bank will pay {$500.00} if they can not save us money. As of today, we see no lower fees from Eagle National Bank compared to XXXX and XXXX XXXX XXXX XXXX. 
3. XXXX XXXX XXXX has promised us that he would make sure that Eagle National Bank pays our termination fees for both companies XXXX XXXX XXXX and XXXX XXXX XXXX to come over to Eagle National Bank Merchant Services for XXXX accounts. XXXX charges us XXXX XXXX dollars ( {$300.00} ) termination fee and XXXX charges us XXXX dollars ( {$390.00} ) termination fee. As of this writing XXXX XXXX XXXX said that he has submitted request for Eagle National Bank to pay us the termination fees XXXX times ( XXXX ) and as of this day writing this letter, we have not received any reimbursement for the termination fees from Eagle National Bank. 

We would like to settle this by having Eagle National Bank pay us XXXX XXXX and XXXX dollars ( {$690.00} ) for the reimbursement of the termination fees from the other XXXX XXXX XXXX XXXX XXXX and XXXX. 
",,Consent provided,Web,2016-02-18,Closed with explanation,Yes,No,CR1790942,2138
2016-02-18,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank charged me XXXX {$35.00} on the same overdraft charge for XXXX item for less than {$20.00}. They said my account overdraft on XX/XX/XXXX but sent a certified email stating that my acct was less than {$25.00} on XX/XX/XXXX at XXXX XXXX. So they waited until sleeping hours to process the charge and before I could transfer the additional funds ( which is totally possible considering I have XXXX accounts with them ) they charged me an overdraft, and not once but FOUR times. I then called and was put on hold for over 30 minutes and got hung up on. 
",,Consent provided,Web,2016-02-18,Closed with monetary relief,Yes,No,CR1792037,8726
2016-02-18,Bank account or service,Checking account,Deposits and withdrawals,,"I just read a VERY Very similar story as mine on your site, and it is with Eagle National Bank. 
It is also in regards to a checking account that belonged to my mother that passed away XX/XX/2014. I am her only daughter and she was not married. I also handled her account as her XXXX XXXX worsened, but I failed to add myself to her account. Which would have saved ALL of this headache! I have been in touch with their department that handles these accounts so many many many times. I have sent them, and confirmed their receipt, of her death certificiate and of a Affadavit of Heirship ( notorized ). Which proclaims that I am her only heir and executor of her estate. Once they received that- they tell me over the phone that I need to submit a different affadavit with the court and submit whatever the court sends me in approval of my affadavit. I clearly understood that the Only diffference between what I completed, and the court responded version is that the court version would be "" telling them what to do with the money '' - rather than my document that simply established that I was her heir. The amount in the account is only {$1800.00}. I have filled out the other affadavit ( including the XXXX 'Disinterested parties ' & notorized again! ), but I have not submitted it yet -- because it is going to cost me {$210.00} or {$250.00} to file. Very frustrating!! I have even had to call, in response to a letter I received, and tell them that Yes -- this account is still belonging to someone, and is not 'unclaimed '. So DO NOT gid rid of the account or money. I spoke with someone who assured me after faxing in a signed statement to not liquify the account- that the account would be upheld and still waiting resolution for me. Since I can no longer log in online.. ( which was the Very first thing to go..bc my plan was just to transfer the money over to my BofA account ) ... I 'm terrified to call and make sure the money is still there. What if it is not? What if they managed to put up so many red-tape XXXX requirements that I ca n't to the money? 
Which to me raises another very interesting question, what do they do with all of that money they get to keep? It has to add up quite substantially. I just wish someone would absolutely tear them up in that regard. I can not stomach the idea that this money goes to the company in some fashion, and it is all based on their taking advantage of such horrible times and circumstances with their customers. For whom they would claim to care very much about. It 's deplorable. Please help!! It 's Only {$1800.00} dollars now!! How can they have rules & regulations that are placed ahead of state requirements in such matters? The state does n't even require all of these steps and motions, and things. It just makes no sense at all. 
",,Consent provided,Web,2016-02-18,Closed with explanation,Yes,No,CR1794546,1763
2016-02-18,Bank account or service,Checking account,Deposits and withdrawals,,"My complaint is with Eagle National Bank and their horrible service/help, or lack their of, for a valued customer of 8 years. The incident started last year, XXXX. Up until XXXX XXXX I was married to my ex-husband. We separated in XXXX XXXX. During our marriage there was a XXXX account under my ex-husbands name. My name was never on that account and he was never on any bank account of mine nor was he able to have access to my card whatsoever. During our marriage ( before XXXX XXXX ), I was given cash by my husband about 2 times to pay a XXXX bill with my card. My card was never set for automatic withdrawal, my card was never connected to the XXXX account nor was my name ever connected to it or on any account. In fact, there was no account or company that my ex-husband and I both were on with our names together. Around XXXX XXXX, I contacted XXXX because I saw they had automatically withdrawn money from my bank using my card and I specifically told them they were not allowed to do so and I never gave them the authorization to use my card without my consent. So at this point, they agreed to not use my card without my consent and also to take it off file. This is on record and can be heard through XXXX 's "" supposed '' recording process ( "" for quality purposes '' ) they have when you call their customer service department where the associate agreed to take my card off file. On XXXX XXXX, XXXX, a charge of {$670.00} was applied to my card and the money was taken out of my bank account, per XXXX XXXX. As a battered ex-wife coming out of an abusive relationship and being the person to leave, I had every notion that my ex-husband had used my card ( which he had that information because he secretly saved it ). I had every notion that my ex-husband used my card to pay his XXXX XXXX bill. A charge for {$670.00} from XXXX XXXX is unheard of but it happened to me. I contacted XXXX XXXX numerous times, countless times, to fix the charge, they agreed they withdrew money using my card without my consent but refused to fix it. Now I contacted Eagle National Bank with this concern and I filed a claim for fraud against my ex-husband and Direct TV. Eagle National Bank gave me a temporary credit of {$670.00} for that charge, but failed to mention, when the claim was denied, the actions they were going to take. After 90 days ( XXXX XXXX ), Eagle National Bank withdrew the {$670.00} from my bank account and reversed the temporary credit denying my claim of fraud. This put my account overdrawn. Eagle National Bank said XXXX XXXX took the money out without my consent and my ex-husband did not. This was a surprise to me but either way, I was never contacted about money being withdrawn from my account. How I found out was an email the next day of notice that {$670.00} was taken out of my account and my account was overdrawn. Eagle National Bank stated that XXXX XXXX has a contract where they automatically pay a due amount with any card previously used on file. I, in fact, told DTV to remove my card from the account around XXXX XXXX, as I stated ... apparently they did n't. I was never aware of this contract nor was I ever on the DTV account to know of this either. After the initial fraud claim, we refiled the claim as an unauthorized charge claim. EN denied my second claim of an unauthorized charge, since they said my first claim of fraud was incorrect. Eagle National Bank did not work with me, did not do anything in my favor. They did n't care my account went negative. They are complying with XXXX XXXX and going against my claim and a knowingly unauthorized charge. After numerous calls to EN cust service, every representative agreed it was wrong of XXXX and they did it without my consent. But Eagle National Bank does n't care to help their customers. They do n't care if their customers have access to no money because they are negative. Knowing it was an unauthorized charged, they still denied my claim. 
",,Consent provided,Web,2016-02-18,Closed with monetary relief,Yes,No,CR1792984,4777
2016-02-18,Bank account or service,Checking account,Using a debit or ATM card,,"My daughter stole my debit card on several occasions withdrawing from my account at the ATM for a total of {$1800.00}. I contacted Eagle National Bank and filed a claim to get the money back. I also called the police and filed a report with the police. They spoke to her and she admitted to stealing my card and withdrawing the money. My claim with Eagle National Bank was denied for the return of the money because they said by giving her my card one time to use made her an authorized user. They also said that if she steals my card because now she is an authorized user anyone she gives it to to use becomes an authorized user. I tried to fight the decision but failed. They have not provided anywhere where it states that by giving my daughter once to use my card that she becomes an authorized user, and anyone she gives it to. Please help me in resolving this issue. My daughter is going to be prosecuted for the theft. 
",Older American,Consent provided,Web,2016-02-18,Closed with explanation,Yes,No,CR1792769,2418
2016-02-18,Bank account or service,Checking account,"Account opening, closing, or management",,"Re : Eagle National Bank ( EN ) refusal to complete an approved fund transfer from my online checking account. 
In XXXX XXXX at my own expense ( as instructed ) I flew from XXXX to XXXX to authorise an international fund transfer. Shortly after returning back to XXXX I called the local banking centre that set up and approved my funds transfer to release my funds. Only to be instructed that I would need to re-visit a local banking centre within XXXX and complete another set of fund transfer forms because of an internal error. The customer support helpline said that the only department that had the authority to resolve this error was the ( EN ) resolution department. However it was there next statement that I found the most disturbing of all. I was told that the banks help desk has no means of contacting the resolution department and only way to receive a response was if I wrote to them. Please be mindful that I have already spent over {$2000.00} dollars on the previous round trip to get to a EN branch and now the dollar to pound exchange rate had weaken significantly. 
During the next 12-16 mths I made dozens of international phone calls to ( EN ) requesting a quick resolution. The thing that I found most distressing was the fact that the helpdesk refuse to allow me to email them a copy of my original letter sent to the resolution department on XXXX XXXX XXXX. The fact was for each call made I was required to repeat the whole history of the case to each new advisor including the steps and measures that I have already taken thus far. Instead of taking ownership the helpdesk would just state that my call and this dispute has been logged against my account history. In XXXX I reached out to the XXXX Eagle National Bank XXXX to request some type of assistance. Again they refused to get involved. 
On the XXXX XXXX XXXX I was able to visit the ( EN ) branch in which I had first open my account. I spoke to XXXX XXXX XXXX and provide evidence and phone logs to support my allegation of banking negligence. She was keen to address as many of the issues that she could. However, as for why I have missing account history and why the bank has not responded to a banking issue that dates back to XXXX she had no answer to. She left me in her office momentarily and when she returned she informed me that her manager XXXX XXXX XXXX ( senior vice president of customer market manager ) said he would personal investigate into this matter and contact me via email by Thursday XXXX XXXX. XXXX XXXX did not contact me so I revisited the bank. The explanation given to why I was experiencing account problems was that my missing account files may have affected the banks auto account management service. I was also informed that the task of investigating my account management service & support failings has been assign to XXXX XXXX XXXX from the market leader escalation. Before leaving the bank I was able to secure a written confirmation confirming that the resolution department will respond to my formal compensation claim dating back to XXXX. Despite emailed XXXX XXXX a reminder in relation our meeting and my preferred method of contact I have never received a response. 
From XXXX XXXX through to XXXX XXXX I was in contact with the so call new customer support resolution interface team. In fact I made over a dozen calls In relation them not responding to my original letter and the official complaint made against XXXX XXXX, XXXX XXXX, XXXX XXXX, market leader escalation department for failing to respond to a unresolved banking service compliance dispute. I was hardly surprised to learn that no records of my recent compliant have been recorded on the bank internal complaint system. I have already alerted my banking centre via email to retain all the account history in relation to this case. I 've received no response to this formal request either. 
",,Consent provided,Web,2016-02-22,Closed with explanation,Yes,Yes,CR1792771,1670
2016-02-18,Bank account or service,Checking account,Problems caused by my funds being low,,"There has been a report against my social security number of a bank account issued through Eagle National Bank. The reports states that there was suspected fraud activity. I once had an account with Eagle National Bank but it has been closed, but not for fraud. I also was n't notified of account closure for this reason. 
",Servicemember,Consent provided,Web,2016-02-18,Closed with explanation,Yes,No,CR1792235,822
2016-02-18,Bank account or service,Checking account,Deposits and withdrawals,,"We signed online to Eagle National Bank billpay to have them send a check to our kids college apartment for XX/XX/XXXX payment. Eagle National Bank cut the check, withdrew the funds from our account, and used a 3rd party consolidator to deliver the check. The 3rd party consolidator put multiple banks checks into XXXX envelope to deliver to the college apartment. That envelope was taken fraudulantly and our check was signed and cashed fraudulantly. The Apartment did not receive XX/XX/XXXX payment and Eagle National Bank will not return the funds to our account. Instead they are asking the Apartment complex to fill out a form for a federal investigation, meanwhile the Apartment has no rent check from us and we have no money in our account to repay. I understand it is a state law in NC for the bank to resolve by returning our funds while they investigate what happened, however Eagle National Bank refuses to do this. The other XXXX banks who had checks stolen in the same envelope already returned funds to their bank account holders, but Eagle National Bank will not. The apartment is in XXXX NC and our bank account with Eagle National Bank is in NC. Please advise. 
",,Consent provided,Web,2016-02-18,Closed with explanation,Yes,No,CR1793205,640
2016-02-18,Bank account or service,Checking account,"Account opening, closing, or management",,"Hello, I recently opened a EN US account via phone. I was given an account number, routing number at the end of the phone call. I provided my address in the US and also my XXXX Address for them to send my "" welcome '' packet. When I got home I transferred XXXX usd to that account via external transfers. This was XX/XX/XXXX. The money left my XXXX account and has been in limbo since. I also transferred another XXXX on the XXXX. Neither of these transfers ever hit the account, or were credited as the account was never "" activated '' because I did not fill out the signature card as it was sent to my US address. 
I 've had numerous bank representatives call the EN us account, I 've called at least 4 times, we 've had EN north sent my signature card to them. I 've been told something different every time I 've called. I even had a bank manager call a supervisor and was assured that she could fax the signature card and the account would be activated and the XXXX would be credited. I placed another call today to EN and taked with a XXXX employee number XXXX in XXXX , Maine , and he now stated that EN US could not accept a Signature card from a XXXX EN b/c I was an American citizen. This is the first time I 've heard that after dealing with this for almost XXXX weeks. 

So basically I have XXXX dollars in no mans land, EN wo n't accept it, but wo n't send it back to my XXXX XXXX account. I called XXXX and they 're stating that it could be another 10 days until I receive my funds back. This is XXXX not acceptable. 

I need my USD back in my XXXX account ASAP/today. Simply put, not one bank rep knew what they were talking about, and I 'm the one that has to pay the price. 

PS this XXXX rep from EN was probably the worst customer service experience I have ever had in my life. I spoke to him at XXXX XXXX/XXXX/2016 
",,Consent provided,Web,2016-02-18,Closed with non-monetary relief,Yes,No,CR1792899,1069
2016-02-18,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,Consent not provided,Web,2016-02-18,Closed with explanation,Yes,Yes,CR1793829,2249
2016-02-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank received funds from insurance payouts and never notified us. They held the funds for 4 years and hired contractors who did work on our property. No one ever verified the work was done and it was negligent causing more damage to the property. The contractor who did the work went as far as to cover the hole in the side of the house with out making necessary repairs to preserve the property. We are unable to go after the contractors because we did not have a contract with them. Had we been notified of the funds being received we could have made the repairs ourselves and been back in our home 4 1/2 years ago. Eagle National Bank knowingly withheld funds intended for repairs and they call it a miscommunication. We have tried working with the states attorney and they have been unable to get a resolution. Eagle National Bank continues to dodge questions and avoid responsibility. 
",,Consent provided,Web,2016-02-17,Closed with explanation,Yes,Yes,CR1791453,3813
2016-02-17,Bank account or service,Checking account,"Account opening, closing, or management",,"Bank of closed my checking and my XXXX credit cards account and i have filed complain about that and they response that they have the right not do disclose the reasons but now they also closed my XXXX years old son account that his grandfather opend for him long time ago as a saving account for his future.the account under his grandfather and my son 's name and the grandfather mom side. so does n't even have my name on it.but my son has my last name ( XXXX XXXX ) I do n't know what i did to them to target my famly even my 7 years son.we are all citizens and my son born in US.what kind of reasons or policy that can end my XXXX years old child his financial future with any financial institution whatever it is.the only reason that can be logically accepted if the company going out of business.but as long as they still open for public they have to explain the reasons to close my accounts and my son account.if there is no reasons they need to reopen them. 
",,Consent provided,Web,2016-02-19,Closed with explanation,Yes,No,CR1790363,11381
2016-02-17,Bank account or service,Checking account,Deposits and withdrawals,,"I am the trustee of a trust that is being liquidated. The mutual fund company issued a redemption check that I deposited into Eagle National Bank. B of A has now placed a hold on those funds. There is no pattern of unusual activity here - the amount of the deposit is not unusual for this account, the account has never been overdrawn, and the funds are drawn on a large and reputable mutual fund company 's account ( XXXX XXXX ). Eagle National Bank told me that the hold was placed because the issuing bank ( XXXX XXXX ) is unable to confirm sufficiency of funds. I called XXXX XXXX and they have verified that the check CLEARED XXXX XXXX. Somehow Eagle National Bank is not being straight with me and in the meantime is interfering with my ability to fulfill my fiduciary duties to liquidate the trust and distribute the proceeds. 
",,Consent provided,Web,2016-02-17,Closed with explanation,Yes,No,CR1791671,825
2016-02-17,Bank account or service,Checking account,"Account opening, closing, or management",,"On Thursday, XXXX XXXX, 2016, I opened a "" Eagle National Bank XXXX Checking '' account and a "" Regular Savings '' account online. This same date, I received an email notification titled "" Online Application Has Been Approved '' along with the ability to access and create my online login ID, which I did. This same date, I mobile deposited the only funds I had, my payroll check, to my newly created checking account. The bank put a hold on my money, so I reached out to online chat to inquire why and was told the funds would be available the next day, Friday. The next day, I attempted to login to my checking account to determine whether the funds were available and could not access the account. I again reached out to the bank via chat and phone and after being given the run around for nearly an hour, found out they closed my account without notice and had my money. This same date, my mom went into a local branch to speak with the branch manager regarding these events, and was unable to get any useful information. I checked with my current bank, XXXX, and do not have any negative or derogatory financial marks against me. 
",,Consent provided,Web,2016-02-17,Closed with explanation,Yes,No,CR1792354,4923
2016-02-17,Credit card,,Late fee,,"I made a payment to my Eagle National Bank credit card on XXXX XXXX, XXXX for the amount of {$99.00}. EN processed the payment to an incorrect account, a "" XXXX '' was included to my already saved account number. After this I did not received any letters notifying me of the return payment. The next month I was charged and additional {$25.00} for the "" missed payment '' and my granddaughter and I called called customer service on XXXX XXXX, XXXX cancelled the account. At that moment we made the payment in full of the account for the amount of {$180.00} and were told no we had no pending balance. Next month {$1.00} were charged for "" minimum interest charges '' on an account that was closed. EN made an unauthorized charge of {$1.00} to the account that was return "" unpaid '' and send me a letter notifying me that the payment was retuned and that additional fees associated with the transaction were applicable. An additional {$1.00} charge was included on my billing statement of my already closed account. Today I made a {$3.00} payment to cover this charges, because I do n't want my excellent credit history damaged by this situation. 
","Older American, Servicemember",Consent provided,Web,2016-02-17,Closed with monetary relief,Yes,No,CR1792392,720
2016-02-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I filed Chapter XXXX in XXXX XXXX, and my case was discharged on XXXX XXXX, XXXX. Eagle National Bank XXXX was included in my Chaper XXXX and was paid in full by the Trustee for my car loan. I called Eagle National Bank on XXXX XXXX, XXXX to have my car title released to me. I spoke with numerous customer service reps. who assured me that it will sent to me. I finally received it in XXXX XXXX. I have been trying to get incorrect information on my credit report removed since XXXX XXXX, XXXX. Eagle National Bank XXXX is reporting that I have been 30 days late for XXXX and XXXX XXXX. I have been working with XXXX in the Bankruptcy Department since XXXX XXXX, XXXX to get this corrected. She was able to get my title finally sent to me in XXXX XXXX. I have not been able to have these false late payments removed as of yet. Per Eagle National Bank XXXX, they have 30 days to remove this information. Thirty days have now passed and I am being told that they have corrected the information in my credit file and to just wait. I have called XXXX, pulled my credit report and to date the corrections have not been made. They also had another account on my credit report and removed it in two days because I only had XXXX account with them. This too was a mistake they made, but corrected it in a timely manner. I was not discharged until XXXX XXXX, XXXX and can not be reported late for XXXX, XXXX XXXX. They have explained that this is indeed their mistake, but have yet to correct it within 30 days. My patience has been exhausted and I was told to call a week from XXXX XXXX, XXXX and they will look into it. XXXX XXXX would be a week past the 30 days in which I was told it would all be cleared up. Thank you for your time. 
",,Consent provided,Web,2016-02-22,Closed with explanation,Yes,Yes,CR1790895,2896
2016-02-17,Credit card,,Late fee,,,,Consent not provided,Web,2016-02-17,Closed with monetary relief,Yes,No,CR1790161,1554
2016-02-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My experience with Eagle National Bank has been the worst experience I could have ever had. I have been put down, ignored, forgotten, hung up on, yelled at and much more. XXXX XXXX and assistant ignore my many voice messages and calls put aside my faxed paperwork and hang up on me on an everytime basis. I do not appreciate the disrespect I have been shown expecially when I have shown courtesy and understanding. My wishes are NEVER granted just told they are completely unreasonable, when they are in fact below satisfactory. I have asked politely and calm to speak to a superior and I get transfered to a team member of penny 's. I do n't appreciate the neglect and the inconvenience that Eagle National Bank has shown me. I will never forget the horrible experience I have had. If any person asks about Eagle National Bank I will passionately advise them to not bank with them. I can assure you that after hearing my testimony as to why not to bank with them, they too will not be banking with Eagle National Bank. 
",,Consent provided,Web,2016-02-17,Closed with explanation,Yes,No,CR1788361,2610
2016-02-16,Bank account or service,Other bank product/service,Using a debit or ATM card,,"while withdrawing cash from the atm i only received XXXX dollars of the XXXX i was charged for. {$160.00} was sucked back into the atm. i filed a complaint with the bank to do an investigation and after a week i have n't gotten any information nor gotten a provisional credit as promised 
",,Consent provided,Web,2016-02-16,Closed with monetary relief,Yes,No,CR1787590,2806
2016-02-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-02-16,Closed with explanation,Yes,No,CR1788930,1280
2016-02-16,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-02-16,Closed with explanation,Yes,No,CR1789509,2074
2016-02-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am a Eagle National Bank ( bank ) customer. I received an offer of a credit card which stated that my application for this credit card will be without any impact to the credit score. However, a hard inquiry was made against my credit file maintained by the credit reporting agencies. This hard inquiry diminished my credit score by few points. I asked the bank to remove this inquiry and they refused. I have attached a copy of their offer. 
",,Consent provided,Web,2016-02-15,Closed with explanation,Yes,Yes,CR1787607,1796
2016-02-15,Credit card,,Other fee,,"I was surprised to see a foreign transaction fee on my credit card statement as I had no foreign transactions that I knew about. I called FIA Card Services and was told XXXX of my transactions, through the XXXX, had been processed thorough a foreign bank. 
I called XXXX and was told that, yes, XXXX transaction out of my several purchases with them that day had been processed through a foreign bank. Others had been through domestic banks even though at least XXXX other was from a foreign vendor. The representative said he was surprised I had been charged a fee, but that it was my credit card company that had made that determination in error, not XXXX. 
I have bought and sold hundreds of books through XXXX and never once ( before this ) seen a foreign transaction fee. Oddly, he reimbursed the fee while saying the issue was with the credit card company. 
I called FIA Services again to see why the error had been made. The representative said XXXX had coded this as a foreign transaction from a foreign vendor, that they had not made any error. Then she also reimbursed the fee even though I said I was not asking for reimbursement, only to understand how to avoid foreign fees in the future when there was no process of notification that a foreign transaction fee would be assessed. She indicated there was no way to know. 
So my questions are these : Is anyone supposed to notify me that a foreign transaction fee is possible when buying from third-party vendors? How is it I can be charged a 3 % fee with no prior notification? Why is that my cost of business, not theirs? It seems to me XXXX has an obligation to inform me of an impending foreign transaction fee before the fact, not after the fact. Could you please explain how one is to manage this aspect of on-line business? Just what are the regulations pertaining to this? 
Thank you. 
XXXX XXXX 
",Older American,Consent provided,Web,2016-02-15,Closed with explanation,Yes,No,CR1787661,3421
2016-02-15,Bank account or service,Savings account,"Account opening, closing, or management",,"My husband opened a XXXX XXXX XXXX account for our daughter with XXXX Bank. Last known statement was sent to our address in XXXX, GA in XXXX. We have since moved to a couple of different addresses and lost track of the account. Our daughter is now scheduled to graduate on XXXX, XXXX. We located the last known statement dated XXXX XXXX/XXXX/XXXX ) and called Eagle National Bank to inquire about the funds. XXXX Bank was bought by Eagle National Bank in XXXX. Eagle National Bank states that they do n't have any record of our account because it must have been dormant prior to their acquisition of XXXX Bank in XXXX. Eagle National Bank suggested that we call the State unclaimed property department in Delaware, Maryland and Georgia. I contacted the unclaimed property in the States mentioned and they do n't have any record of the account being sent to them. The State of Delaware informed me that they would need a letter from EN or XXXX Bank stating that account funds were sent with associated details before further research can be performed. Eagle National Bank is stating that they ca n't help, because there is n't any current record of the account. This is a good bit of money and my daughter needs it desperately to get into college. Can someone from Eagle National Bank please pull the account history from archive and explain what happened to the account. 
",,Consent provided,Web,2016-02-15,Closed with explanation,Yes,Yes,CR1787756,2144
2016-02-15,Credit card,,Other,,"By mistake, I schedule payment of my monthly amount due to Eagle National Bank. Unlike other credit cards sites, I was not warned that I was scheduling the payment twice. I noticed that money was removed from my XXXX checking account twice on XXXX XXXX, 2016, so I called Eagle National Bank and asked them to send me the full duplicate amount back. Since I do n't have a checking account with Eagle National Bank, representative told me it would take them from 2 to 3 days to send me a check. As I did not get a check, I called them again last week, and was then told that it takes them 8-10 days to send the check. It 's been over 10 days, I am yet to get a check, and when I called them today, they could not tell me when the check will arrive. Please help me. 
",,Consent provided,Web,2016-02-15,Closed with monetary relief,Yes,Yes,CR1787630,2845
2016-02-15,Credit card,,Closing/Cancelling account,,,Older American,Other,Web,2016-02-15,Closed with non-monetary relief,Yes,No,CR1787754,1628
2016-02-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-02-15,Closed with explanation,Yes,No,CR1787987,3548
2016-02-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-02-15,Closed with monetary relief,Yes,No,CR1787463,8030
2016-02-15,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-02-18,Closed with explanation,Yes,No,CR1787704,3672
2016-02-14,Bank account or service,Checking account,Problems caused by my funds being low,,"I have a checking account with Eagle National Bank since XXXX and Credit card since XXXX. And I have an excellent credit history. My checking account has a overdraft protection enabled via the credit card account. This month I wrote a check to pay property tax and it so happened that my checking account did not have enough funds. And my credit card was overdue and hence the overdraft did not kick in. I agree I forgot to make the minimum payment for once. But I was never notified via their website on my accounts page that my overdraft protection will not kick in since my payment is overdue. It still shows it is linked but just that it is not of any use. They carelessly rejected my check, without notifying me in anyway about the overdraft status, in spite of all the history of transactions I had with them for over a decade and offered no help to correct the situation. Had they indicated the fact that overdraft protection is not going to help me, I could have acted differently. 
",,Consent provided,Web,2016-02-14,Closed with monetary relief,Yes,No,CR1787419,9370
2016-02-14,Credit card,,Balance transfer fee,,"A representative of my soon to be ex credit card company blatantly lied to me and I was charged a {$100.00} fee. 
I was considering making a crash transfer or "" balance '' transfer from my credit card account and to my checking account but I was concerned about any fees or interest associated with such a transfer. So I called the credit card company, Eagle National Bank in this case, and asked them about fees and interest. The representative told me there would normally be an interest associated with a transfer like that but that I am on a promotial period until XXXX 2017 so there would be no interest charged. I then asked him if there were any other fees associated with such a transfer and he said no. I now see a {$100.00} transfer fee on my statement relating to the transaction. 
But all that could have and should have been resolved as a misunderstanding. The reason I 'm writing this up is because when I called in to get the fee removed I was told that the agent who told me there were no fees "" did n't write in his notes that I had asked about fees '' or that "" he had told me there were no fees '' so they could n't remove that charge. I was blatantly lied to and then told they had no immediate record of that interaction so the fee could n't be removed. 
Currently the most recent rep. that I spoke with said she submitted an "" escalation '' form and that the recorded phone call would be reviewed and that it will take up to 5 business days to get back to me. I doubt they will refuse a refund of the fee after that but I 'm writing this up because some other people might not know to ask about submitting and escalating form. In fact I did n't know about it and it was only after I threatened to report this incident and cancel the credit card that she offered the escalation form. This seems like a blatant form of predatory business practices this agency was designed to stamp out and I really hope that I 'm the only one this has happened to, but I doubt it. And I hope that if there are more people who have fallen victim to this sort of thing that you guys come out swinging with a war hammer ... or a small mallet ... or whatever tools congress gave you. 
Oh, and the XXXX dollar fee was made because I made the transfer online, specifically through the mobile app. Something I feel like I should have been made obvious irrespective of calling in. But it was n't. 
",,Consent provided,Web,2016-02-14,Closed with monetary relief,Yes,No,CR1787430,1317
2016-02-14,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-02-14,Closed with explanation,Yes,No,CR1787226,4749
2016-02-13,Bank account or service,Checking account,Deposits and withdrawals,,"on XXXX XXXX at XXXX I visited the XXXX location of Eagle National Bank to place a {$150.00} cash loan payment in my sister 's checking account. The parking lot had an armed guard dressed in "" swat '' gear which was alarming. I tried to go through the drive through and found all of them closed with cars parked in their lanes. I was pressed for time as i work XXXX jobs and was trying to get this deposit done so it would post quickly and so i would not miss time off my job running this errand. I asked for a checking account deposit slip and filled it out. I asked the teller "" why are all your drive throughs closed and what is the deal with the armed guard in your parking lot? "" .. "" Oh because we are so close to the interstate we have additional security ... I found that odd as my own personal bank XXXX, is just down the same road and has no demonstrable need for such additional security features. I told her my sister was in the XXXX on vacation and would be checking to see when my payment to her would post. She asked to see my ID, even though i was wearing a photo ID from the medical laboratory for whom i work part time in the afternoons. I showed her my driver license in my wallet. She asked me to take it out so it could be "" snap-photo 'd '' from an overhead camera. I found this very disturbing and "" invasive '' of my and my sisters privacy. I asked her why she needed the personal information ... she started to mumble about security ... but having read about operation "" choke-point ''. I was familiar with the dept of justice program where banks are being intimidated into not letting customers use cash for their businesses. This was not a business, was not a transaction over {$10000.00} and providing that level of personal information for accepting a {$150.00} deposit i found ridiculous and very poor service to the consumer. I told the young lady who had both the deposit slip and the XXXX {$50.00} bills that i would not be providing any additional photo id or information and turned to leave. She remained in possession of my sister 's {$150.00} cash deposit, provided me no receipt, tried to give me the money back and called the security guard as i exited the door. I got into my car locked the door and left the bank. I verified with my sister that as of close of business on friday XXXX XXXX the funds had not been deposited into the account number given to the teller. My sister made several attempts to contact the bank via phone and via "" private numbers '' given to her by Eagle National Bank without success. No one returned her multiple calls. Once cash money is given to a banking institution a receipt must be provided to the depositor. Funds received by a banking institution should be deposited into the appropriate account number given ( they should not be held out for teller issues or resolution ). Disclosure was not given to me at the time that i could have deposited at an ATM device and would not have had to produce ID to do so. I do not possess a smartfone and therefore have no means to do photo bank deposits. My concern was getting this loan payment to my sister so that she in turn would be able to make her payment on time and not face late charges. This whole situation was very intimidating, disturbing and frightening, not to mention our concern now with the lack of our funds being deposited or credited to my sisters ' designated account. Monday is a holiday. we need action on this. 
",,Consent provided,Web,2016-02-13,Closed with explanation,Yes,No,CR1786895,1727
2016-02-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"On XXXX/XXXX/XXXX I was approved for a Eagle National Bank ( EN ) XXXX XXXX account with a leased XXXX from XXXX XXXX XXXX XXXX. Before signing the contract, the EN representative who opened the account stated there was a Buyer 's Remorse period during which I could return the unit without fees anytime before the beginning of the first lease period, which was XXXX/XXXX/XXXX. He also indicated in multiple phone calls that my processing fees were 1.69 % plus XXXX cents per swipe for XXXX and XXXX, 2.13 % plus XXXX cents per swipe for XXXX XXXX, and a XXXX cents flat fee per swipe for all debit cards. He stated that there were no other fees and these were the lowest in the industry such as when compared to XXXX, which has a 2.75 % flat processing fee for all card types. He also stated that holding an active XXXX XXXX account would waive the monthly fees on the Business Checking account held with Eagle National Bank. I agreed to these terms and received the unit. However, I was not satisfied with the experience, and wished to return everything before the lease began. On XXXX/XXXX/XXXX, I contacted my EN representative and he told me to contact XXXX XXXX. I contacted XXXX, who told me my lease had already begun on XXXX/XXXX/XXXX and I would be responsible for paying nearly {$3000.00} to pay off the lease even if I returned the device. I called EN back and told my representative, who was shocked and stated that the lease clearly should not have begun until XXXX/XXXX/XXXX and that he would speak to his manager about doing a buyback to resolve the issue. The buyback was approved, and I shipped the device to EN with XXXX overnight shipping. However, on XXXX/XXXX/XXXX I noticed a withdrawal from my checking account for the amount of {$62.00}, labeled lease payment. I attempted to contact EN multiple times regarding this charge, and was largely ignored until the XXXX attempt, when they said I would need to contact XXXX to get the fee refunded. I am still in the process of trying to get that fee refunded. In addition, I looked at my merchant statements for the payments I had processed, and found that I was charged many fees in addition to the fees described earlier. For example, it was definitely not a {$0.00} flat fee to process debit cards, I calculated it out to be more like 1.5 %. In addition, the statements are complicated and designed to be confusing and difficult to reconcile. Finally, I was also charged a {$29.00} monthly fee for my Business Checking account, which was supposed to be waived. When I complained about these hidden fees to EN, they told me to contact XXXX regarding the processing fees. I feel that I was deceived and misled from the beginning that EN XXXX XXXX would have the lowest fees in the industry, and have found reality to be completely contrary. 
",,Consent provided,Web,2016-02-13,Closed with monetary relief,Yes,No,CR1787033,8678
2016-02-13,Credit card,,Identity theft / Fraud / Embezzlement,,"About two and half years ago I purchased a copy of my credit report and had noticed there were addresses and some credit card accounts that was not mine, among these account XXXX them was with Eagle National Bank. I had immediately contacted the credit bureaus and had notified them about my identity was stolen .Also same time I did a police report and ftc report and contacted every XXXX of those account that was showing up in my credit report that did not belong to me and explain to them about my identity was stolen and all of them took care of the account that was opened under my name but having problem with Eagle National Bank that been giving me the run around for the past two and half years. I had send them the following letter certified mail more than ten times, Dear Sirs or madams : An account from your company is appearing on my credit report. I am not aware of having any account with your company. I request that you investigate this matter and provide me with the following : A legible copy of the original signed agreement for this account, which should show my personal information, as well as my signature. 
Any other documentation that verifies the account is mine. 
If you can not or will not provide me this information, then I formally request you send me a letter stating that this account does not belong to me and that it will be removed from my credit reports. Until this matter is cleared up, I firmly request that you stop reporting this account altogether. Please give this matter your prompt attention. I had disputed this account with credit bureaus and Eagle National Bank and nothing happened so far. Eagle National Bank has not responded to me. at this time I need your help to get my problem resolved with Eagle National Bank. 
",,Consent provided,Web,2016-02-13,Closed with explanation,Yes,Yes,CR1786830,5243
2016-02-13,Credit card,,Customer service / Customer relations,,"Hello and thanks ahead of time for reading and/or offering any help. 
The story begins with a trip to XXXX XXXX. My wife and I had decided to take a trip XXXX and about three days into being in the country I got news that my credit card was compromised. Here I am, with my now-useless travel rewards card. So much for no foreign transaction fees. 
I call up Eagle National Bank and ask them about what I can do. They offer to send me a new card but I 'm out of luck because my wife and I have to keep moving. We were hiking a trail and had to be certain places on certain days. No time to wait around and have a card delivered. 
I told Eagle National Bank that I would n't bother and I 'd just use cash. They offered to waive my foreign transaction fees on my other credit card. They could n't change the terms, but they would put a note in my account and if I called up they would credit my account for the cost of the fees. 
The first month was annoying but alright. I called up they said it could n't be done, they led me around to supervisors until they dropped my call. I then called again ( immediately after ) and the first rep I talked to credited my account no problem. I had also been notified that I did n't need to call every month and that I could simply call up once when I got back to the XXXX. 
Now, here we are, 3 months later and I 'm back home in the XXXX with some time to call up BofA. The rep refuses to credit my account, says I agreed to the terms and conditions and that I agreed to fees. I explain the story, she says I ca n't be credited. She transfers me to a XXXX. I talk to the XXXX, same story. She tells me she see the note but the first time was a courtesy and they could n't do it again. I ask for someone higher up, they give me the run-around and say there is n't anyone else available. 
BofA lied to me. They took my money through fees that they promised to reimburse me. I only have some minor details recorded of who I talked to and when those conversations took place, but none of this is helping me. I feel helpless and quite frankly, used. 
",,Consent provided,Web,2016-02-13,Closed with monetary relief,Yes,No,CR1787047,620
2016-02-13,Credit card,,Credit determination,,"I have been a customer of Eagle National Bank since XXXX, but I have XXXX-30 day credit marks with them. I am unable to get consistent information. I have tried to get the due date changed because I changed jobs. I was even told by customer rep that I had to give the name of my employer to update my information, I advised them I ca n't get calls at my job unless it 's an emergency. They called my former employer several times in XXXX even though I no longer worked there and I told them this information. I want all negative credit marks removed and the credit bureaus advised me that Eagle National Bank can remove them without me disputing it. Eagle National Bank claims they ca n't, I even offered to set up autopay from an account every month. The information given is not correct, Eagle National Bank 's credit department held my payments for no clear reason, even though I never had return payments with them. The customer service rep claimed my bank rejected the payment which was not true at all. I was able to go online with my bank and see the money was already deducted from my checking account already. The credit department even claimed back in XXXX because I made XXXX payments in 1 month, they wanted to make sure the funds were available ( they even acknowledged that I never had a returned payment. I want the credit marks removed due to misinformation that I was given. You do not need my employment information to discuss the account, I was told I had to update my work information. I gave my address because they called my family constantly looking for me and they were very upset about this. My old employer advised me to let them know that I no longer work there. 
",,Consent provided,Web,2016-02-13,Closed with explanation,Yes,No,CR1787150,4144
2016-02-13,Credit card,,Billing statement,,"We ( XXXX and XXXX XXXX have a Target Red Card, which we pay off each month, usually paid via auto-pay. Our XXXX/XXXX/XXXX statement ( attached ), disclosed a {$540.00} auto pay due XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, XXXX made a return of {$42.00}, reducing the balance to {$500.00}. I did not trust the auto pay function to only deduct {$500.00} ( I 've had trouble with it before when returns have been made ), so I logged in XXXX, set up a one-time payment of {$500.00} to occur XXXX/XXXX/XXXX, and turned off auto pay ( so I thought ). 
On XXXX/XXXX/XXXX, the one-time payment of {$500.00} deducted ( as authorized ), but an auto-payment of {$240.00} ALSO was deducted! This amount was for ALL charges NOT YET BILLED on the statement that did n't drop until XXXX/XXXX/XXXX ( also attached ). In short, Target auto deducted charges which had not yet been billed, thereby denying us a minimum 21 day grace period before the due date. This auto deduction was entirely a surprise, and caused a real pinch in our finances. Thankfully, we had funds to cover it, otherwise an overdraft would have occurred. 
All correspondence with Target ( which occurred through their "" contact us '' feature on the website ) is attached. They do not understand that they took immediate payment without having first billed us for the purchases, causing us to have no grace period before payment was due! This is in violation of the CCARD Act of XX/XX/XXXX, the the Federal TILA, as well as being an unfair practice under UDAAP. 
Even if I erred in turning off the auto payment properly, there is no way it should have deducted charges that had not been billed ( and in fact, had just posted that very same day XXXX/XXXX/XXXX )! Target 's auto pay function caused us harm we could not avoid, and I imagine the same thing has occurred to other consumers too. 
",,Consent provided,Web,2016-02-13,Closed with explanation,Yes,Yes,CR1785243,965
2016-02-13,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-02-13,Closed with non-monetary relief,Yes,No,CR1787025,620
2016-02-13,Credit card,,Other,,,,Other,Web,2016-02-13,Closed with explanation,Yes,Yes,CR1785355,2901
2016-02-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-02-13,Closed with monetary relief,Yes,No,CR1787086,1759
2016-02-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-02-13,Closed with explanation,Yes,No,CR1785303,9717
2016-02-12,Bank account or service,Checking account,Problems caused by my funds being low,,"I am XXXX yrs old. Live on fix icome. I could not cover my mortgage payment so Eagle National Bank charged me a total of XXXX dollars XXXX nsf charges and XXXX XXXX fee for having my account negative. for 3 days. I spoke to them thet said they could only reimburse me XXXX. I told them I had contacted the bank but they could not do anything because it was automaticlly going to take XXXX tries to withdraw the money. Yet Eagle National Bank still kept charging me nsf fees. Which I think is an abuse. 
",Older American,Consent provided,Web,2016-02-12,Closed with monetary relief,Yes,No,CR1786007,1493
2016-02-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,"This dispute deals with Eagle National Bank dealing with XXXX. XXXX was not able to receive a payment from BOFA. BOFA stated the best thing to do was to file a dispute to get the money back in my account and pay XXXX. While filing this dispute BOFA contacted XXXX and had a payment reversed from a completely separate account. This resulted in the account being closed and put into a delinquent status. The other account with XXXX still has not received their payment. I have contact BOFA and spoken with online chat support, fraud department, claims department, customer service. I have contacted XXXX and they do n't have a solution either, they say it 's all an issue with BOFA system. 
",,Consent provided,Web,2016-02-12,Closed with monetary relief,Yes,Yes,CR1785395,4332
2016-02-12,Bank account or service,Checking account,"Account opening, closing, or management",,"Was charged XXXX, XXXX USD overdraft fees from Eagle National Bank on a checking account. The accounts were properly funded with a transfer from another linked checking account but Eagle National Bank staggered the posting of the transaction so that the XXXX debits that caused an overdraft posted after the transfer in order to incur a fee. This was verified by a customer service agent over the phone who attempted to waive the fee but could not because 'reordering transactions is bank policy, not bank error '. I have argued about overdraft fees in the past with Eagle National Bank as I feel they use algorithmic systems to reorder transaction to incur the maximum number of overdraft fees. I had a similar set of instances like this occur in late 2015. 
",,Consent provided,Web,2016-02-12,Closed with monetary relief,Yes,No,CR1784897,3351
2016-02-12,Credit card,,APR or interest rate,,"Can the bank charge you the new interest rate on an old charge that was subject to the old rate? 
",,Consent provided,Web,2016-02-12,Closed with explanation,Yes,No,CR1786201,3116
2016-02-12,Credit card,,Credit determination,,"CASE ID : Previous CFPB filed XXXX XXXX, 2013 case number is : # XXXX against the credit reporting agencies included correcting the EN Credit Card Judgement issue. Current credit card report received yesterday from XXXX & XXXX show that EN Credit Card did not take action to correct or settle this complaint. Negative is still showing by the credit card reporting agencies due to negligence of EN Credit Card Dept. 
",,Consent provided,Web,2016-02-12,Closed with explanation,Yes,Yes,CR1786279,2904
2016-02-12,Credit card,,Other,,"I called Eagle National Bank on XXXX XXXX, XXXX to make my payment. The representative refused to take my payment unless I give her my driver 's license number. I verified my full name, full social security number, date of birth, full address and password on the account, but refused to give her my DL #. I hung up after she refused to so many tries. The next time I call, the representative took my payment and agreed to remove the late fee, because the representative should not have refused my payment. Every month this has been repeated. 
Finally on XXXX XXXX, XXXX I spoke to XXXX, a supervisor, who told me to pay {$66.00}, because he saw when the problem started and that would take care of it. I paid the {$66.00} and he supposedly took care it. I called today to make my payment and was told my minimum payment due is {$110.00}, because I keep getting late fee every month. I asked to speak to a supervisor. XXXX XXXX came on said she is a supervisor located in Arizona and repeated the same thing. I asked her to read the notes the last supervisor put in when I paid the {$66.00} on XXXX/XXXX/XXXX ; she said she did then told me I have to pay {$110.00}, because I have been later every month. I asked her to listed to the calls from XXXX XXXX, XXXX and XXXX XXXX, XXXX. She did not care. I told her I will file with the CFP complaint and wait to make my payment. 
",,Consent provided,Web,2016-02-16,Closed with monetary relief,Yes,Yes,CR1785156,3532
2016-02-12,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened up an account over the phone with Eagle National Bank. The person I spoke to said that I can take care of everything over the phone. She said in order for that count to be activated I need to deposit money. I decided that I did not want to use Eagle National Bank and call to cancel the account they said they can not verify who I am over the phone as the account was never activated. They said that if I keep the account that says I will be getting charged fees for not having the minimum balance but they would still not be able to close the account for me over the phone. 
",,Consent provided,Web,2016-02-12,Closed with non-monetary relief,Yes,No,CR1785821,12490
2016-02-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I received notice XXXX that an account was opened up in my name at Eagle National Banknorth.I called them and was told that there was no money deposited in that account.This morning I received another XXXX notification that on XXXX/XXXX/XXXX another account at that bank was opened again. I called and was told to fill out a fraud notification before they would go ahead with any investigation. 
",Older American,Consent provided,Web,2016-02-16,Closed with non-monetary relief,Yes,No,CR1785150,1182
2016-02-12,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-02-18,Closed with explanation,Yes,Yes,CR1786485,3070
2016-02-12,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-02-12,Closed with explanation,Yes,No,CR1786763,2827
2016-02-11,Bank account or service,Checking account,Deposits and withdrawals,,"i had an account with Eagle National Bank. I realized my debit card had been stolen by someone I knew, and apparently had been used to buy and send money orders as well as other things. When I reported this to Eagle National Bank as soon as i realized what was going on they refused to give me back the money that had been in my account before the fraudulent activity as well as asserted that i was fully responsible for the charges on the account though I had no knowledge that was going to happen. I filed a report with them stating that I was not involved and was trying to file a claim for fraud however they never initiated anything even after multiple contacts with them. I am not able to open a new checking or savings account anywhere not even through second chance banking opportunities as this is listed as fraudulent activity on my part. I 've been trying to resolve this issue for a few years and need to be able to open accounts as I do not feel i should be made to pay fees for something I did not do. 
",Servicemember,Consent provided,Web,2016-02-11,Closed with explanation,Yes,No,CR1781506,2268
2016-02-11,Bank account or service,Checking account,Using a debit or ATM card,,"I purchased XXXX ( XXXX ) tickets online via the XXXX ( XXXX ) for the XXXX XXXX performance at the XXXX XXXX , Sunday, XXXX XXXX ( XXXX show ). The tickets selected via the online site were XXXX ( floor ) seats ( {$140.00} each ). The secondary marketer ( XXXX XXXX XXXX XXXX ) fraudulently switched the seats to the XXXX section ( {$89.00} per ticket ) a lesser quality/priced seat. My wife and my experience was ruined. We spent half the performance discussing this matter with the XXXX XXXX XXXX XXXX trying to resolve it. 
",,Consent provided,Web,2016-02-11,Closed with explanation,Yes,No,CR1784507,3444
2016-02-11,Bank account or service,Savings account,"Account opening, closing, or management",,"In XXXX I opened an HSA account with Eagle National Bank. Since that time, and despite numerous requests, EN has not provided me with the ability to use the funds in that account to pay what are now overdue medical bills. To add insult to injury, EN is charging monthly fees for the funds I ca n't access, and wants to charge me a fee to close the account so that I can move the funds elsewhere. 
Long Description : On XXXX XXXX, 2015, I contacted Eagle National Bank via email with questions about opening an HSA account. A representative responded, and I followed that up with a phone call during which I was told to go to my local branch to open the HSA account. About 3 weeks later, when I had time to go during banking hours, I set an appointment ; the appointment form indicated I was coming in to open an HSA account. I arrived on time for the appointment. After waiting about 30 minutes I finally interrupted a bank officer walking through the lobby to ask what was happening and when my appointment would be met. She checked and indicated they had no record of an appointment but I had the printout showing the appointment. At that time she found someone to meet with me, and that person advised me that they could not open an HSA as it could only be done online. So, I went back home and XXXX I went ahead and opened the account on online. 
I subsequently received a letter in the mail, dated XXXX XXXX, advising me that the account was open and I would shortly receive a XXXX debit card which could be used to pay for health care expenses. I waited patiently but no card arrived. After a while ( not sure the date ), I called and was told the card had been mailed, but they could create and mail another card. The representative explained that it had been sent in a plain white envelope, so maybe I missed it. I told her I would recheck before having them send another card. Both my husband and I checked every piece of mail that had come in and there was no card. So, I called back and asked to have a new card sent. I was told it would be 7-10 business days. I waited this period and called after no card was received. EN agreed to send another card. I waited and when no card came I called again. The first person who responded told me it was about a week to get the new card ready and then 7-10 business days after it was mailed. I was later told that it was 7-10 business days from the date of the request. So, I waited still longer, and again no card. I called again.I asked if I could get a card on an expedited basis as this was getting to be a real problem, and was told there was no such process available ; I needed to wait a few more days, or they could send another card and that would be another 7-10 days. So, I waited more, but again no card arrived. 
On XXXX XXXX I called and told them I was desperate. I spoke with "" XXXX '' who agreed that he would apply for a new card to be prepared on an expedited basis. XXXX promised that he would have someone call me the next morning ( he was off in the morning ) to confirm the expedited card. No call came that morning. At XXXX in the afternoon of XXXX XXXX XXXX called me and explained that folks had been busy and he had been in for about an hour not able to call. He then advised that EN had agreed to expedite the card and I should receive it in 3-5 business days. So, I waited and checked the mail every day. No card arrived on the XXXX business day ( XXXX XXXX ). After much rigmarole he advised that the card had been produced on an expedited basis but things fell through the cracks and it sat at the production site and was not actually mailed until XXXX XXXX. Further he advised that the expedited part was how fast the card was produced but it was still sent regular mail. So, if we use 7-10 business days from XXXX XXXX I should see the card by the XXXX -- making it over 2.5 months that I have not had a card. 
",Older American,Consent provided,Web,2016-02-11,Closed with monetary relief,Yes,Yes,CR1781944,3471
2016-02-11,Credit card,,Identity theft / Fraud / Embezzlement,,"I am currently divorced and the primary custodian of my XXXX daughters. I am in the process of losing our home due to specific credit problems that are preventing me from securing a refinance loan and lowering our monthly living expenses. During my marriage, there were several accounts opened fraudulently using my social security number, unbeknownst to me, by my then wife. I have attempted to reach these creditors and never received call backs. They have been charged off and are now affecting myself and my daughters instead of the person that originally opened these accounts. I am asking for help in removing these particular accounts from my credit report so that I may secure our home and future necessities. Thank you 
",,Consent provided,Web,2016-02-11,Closed with explanation,Yes,Yes,CR1783577,2320
2016-02-11,Credit card,,APR or interest rate,,"I first obtained this credit card in approximately XXXX, as a XXXX XXXX branded credit card. I do not recall the bank who serviced the card at that time. I obtained the card because it was marketed as a FIXED RATE 9.99 % card. The marketing promised that this rate would not change. And for the last thirteen years it has not. Other than occasional 0 % balance transfer promotions, I have been paying 9.99 % APR since the inception of the card. On my XXXX bill, I noticed that the rate has been raised to 10.24 %, for no apparent reason. When I inquired about this, I was told that the federal funds rate increased on XXXX XXXX, XXXX, and so, in turn, did my rate. But this makes no sense. At the time I obtained the card, the fed funds rate was XXXX higher than it is now. So, why then over the last eight years when the fed funds rate was XXXX have I not been paying less? The card was specifically marketed as having a fixed rate for the life of the card. When I pressed the issue the agent said she could not help me and directed me to call "" retention services, '' which is, as I understand it, their sales unit. Why on earth would I buy a new product ( and allow a new hard inquiry on my report ) from a company that is behaving in such an underhanded way? 
",,Consent provided,Web,2016-02-11,Closed with explanation,Yes,No,CR1784351,2998
2016-02-11,Credit card,,Billing disputes,,"My merchant services WAS Eagle National Bank, and there was a donation charged ( via the website ) of {$9000.00} awarded to the company XXXX XXXX for our future on XXXX/XXXX/XXXX, and fees have been paid on this charge. However, the {$9000.00} never went into the company account. Due to a merchant service rep error, i did n't live in the state i was running the business and this was my first transaction with them ... security stepped in. I was told by XXXX XXXX XXXX that the funds will be returned. I requested a letter ( til date, i still have not received ) on this action. XXXX XXXX went on vacation and XXXX XXXX stepped in and also stated the information of the return will be mailed to me. ( still nothing ). on XX/XX/XXXX, customer was told to dispute the charges because our company did not have the funds. I have now been forwarded to XXXX ( XXXX. ) I have left over XXXX messages on each voicemail and there has been no return calls. I think EN thought no one would miss the {$9000.00} because no one said anything about it for almost a month. I no longer have any business with EN to even get this money and they have not refunded the customer. There is no feedback to any calls or emails and the merchant that set the account up says he has nothing to do with it any longer. So I am filing a complaint at this point for fraud. 
",,Consent provided,Web,2016-02-11,Closed with monetary relief,Yes,No,CR1784115,2470
2016-02-11,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-02-11,Closed with explanation,Yes,No,CR1784850,4553
2016-02-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,Consent not provided,Web,2016-02-11,Closed with explanation,Yes,No,CR1784234,2147
2016-02-11,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-02-11,Closed with explanation,Yes,No,CR1781086,4244
2016-02-10,Bank account or service,Checking account,"Account opening, closing, or management",,"I received notices from Eagle National Bank that I opened a checking and savings account at the Bank. The following day, I received mail that the Bank closed the newly opened accounts immediately. I never applied to open these accounts at Eagle National Bank. When I visited the branch location on XXXX XXXX XXXX, XXXX, MA today to discuss this issue, XXXX XXXX, Personal Banker of EN, informed me that my SSN was used to open these accounts. I am a victim of identity theft. 
",,Consent provided,Web,2016-02-10,Closed with explanation,Yes,No,CR1781414,4404
2016-02-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I was on the phone with Eagle National Bank customer service for over an hour today trying to change the name they had for me on the computer to the name they should have had that was listed on the loan application they accepted. I did business with BofA 10+ years ago and funny thing is they had updated my email and phone number to my current one listed on the loan app but they did not fix my name or address. The loan dept told me they would transfer me to the online dept and they should fix it easily since all of my loan paperwork was correct. I got transferred and told the lady what my issue was and she asked my name to which I replied my current name and she said I 'm sorry that is not what is on the acct I said I know that is why I am calling and she said well I need you to verify the correct name so again I gave her my correct name and she said that was n't right and transferred me back to the loan dept. The loan dept then tried to get it changed themselves, it did n't work, she transferred me back to the online dept who this time told me I would have to go into my local branch to verify my identity. I told them there was no local branch and they transferred me somewhere else this time and after explaining my situation all over again the lady said we can do it through mail but I do n't have the papers I will have to transfer you back to the loan dept. Again I held but this time it was for 30 minutes and I just gave up because I am at work after all .... 
",,Consent provided,Web,2016-02-10,Closed with explanation,Yes,No,CR1782437,639
2016-02-10,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX XXXX Eagle National Bank foced closed my account without notifying me. At the time the closed it I had XXXX direct deposit XXXX of XXXX and another of XXXX. I have called several times and was told mutilple different things about how I could receive my money now that they closed my account that they refuse to reopen. I was told at first that they would reopen the account so I could access my funds after not being able to sign in I called back and was informed that it was n't even possible to open a closed account and that my money would be send to me at their discretion. So I continued to call hoping to optain my XXXX dollars, when another representative told me to go to the local bank open a new account and they would transfer the money over. I get to the bank they say I am not eligible to get a new account so back to square XXXX. Basically they are holding my money no one know how I can get it or why they even accepted money in an account that they decided to close. Still waiting on a call from there enterprise customer care hoping they will help me but basically everyone on there staff has different information and approximately half of them are so rude it makes me sick to keep trying to contact them about this issue. 
",,Consent provided,Web,2016-02-10,Closed with explanation,Yes,No,CR1781645,30
2016-02-10,Credit card,,Identity theft / Fraud / Embezzlement,,"After getting a new credit card in the month of XXXX, the card was not visible under my online banking account. When enquired over phone with Eagle National Bank, i was told that there are two different profiles under my name and and i need to furnish my identity proof.When i went to the bank i was told that there are two more credit cards under my name which i never had. Upon further enquiry it was revealed that my social security number was updated under somebody else 's account and the other person was able to see my address, date of birth, social and credit card transaction. And that person was able to trace me to my address. This is clearly a blunder from Bank 's side and my social and other private information was compromised by the bank. I had applied for the new credit card with my social, how can that be updated under other person 's account. Also my credit card was blocked by the other person as he thought this is a fraud. How can somebody else block my card. After this incident i checked my credit report and i was able to see two addresses, one of which was not mine. Even somebody else 's credit card under my account jeopardizing my credit history. Because of this, i am living in fear of identity theft as my SSN was compromised. 
",,Consent provided,Web,2016-02-12,Closed with explanation,Yes,No,CR1782769,1686
2016-02-10,Credit card,,Rewards,,"I received an offer from XXXX XXXX offering XXXX reward points after spending XXXX. I applied and received the card. I made the purchases on the credit card within the time frame only to have XXXX XXXX tell me that I do n't qualify for the offer because I hold another XXXX XXXX card. I have written complaints. To XXXX but have n't received the credits. XXXX XXXX sends out offers to consumers to get customers and need to abide by the rules and honor their offers. I could have spent my money with other credit card carriers and received rewards for using ther credit cards. 
",,Consent provided,Web,2016-02-10,Closed with explanation,Yes,No,CR1781450,1623
2016-02-10,Credit card,,APR or interest rate,,"My interest rate sporadically increased from 10.99 % to 11.24 % without any notice from Eagle National Bank. 
",,Consent provided,Web,2016-02-10,Closed with explanation,Yes,No,CR1779146,10960
2016-02-10,Bank account or service,Checking account,"Account opening, closing, or management",,"I had tried to open an account online and my initial deposit did not hit the account. I then received a letter saying my account would be closed because my initial deposit was not made, instead of closing the account they left the account open and kept charging me fees. 
",,Consent provided,Web,2016-02-10,Closed with monetary relief,Yes,No,CR1782457,3365
2016-02-10,Credit card,,Late fee,,"Credit card company stopped sending bills monthly but instead sent bills out sporadically and after payment was due so that we had fees and interest charged on multiple occasions. 
",,Consent provided,Web,2016-02-10,Closed with monetary relief,Yes,No,CR1780319,1506
2016-02-10,Credit card,,Application processing delay,,,,Consent not provided,Web,2016-02-10,Closed with explanation,Yes,No,CR1780974,1554
2016-02-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-02-10,Closed with explanation,Yes,No,CR1781823,9641
2016-02-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank refuses to transfer my mother 's IRA to another bank. We decided to move it from EN because they refused to do a change of address or a direct deposit of the required IRA monthly withdrawal of funds. The checks, good for only 90 days were repeatedly mailed to an old PO box we wanted to close out and three times we had to ask for new checks to be issued because the checks had expired by the time we received them. For no valid reason, EN failed to direct deposit the checks despite my filling out the forms. It even took a month for the forms to arrive within the same town. XX/XX/XXXX I asked XXXX XXXX Bank to initiate papers to have the IRA transferred to them from EN. EN has dragged their heels and refused to transfer the funds despite repeated phone calls. EN has a reputation for being extremely slow to release funds or respond to requests. We feel they are a shady and questionable bank. We want the IRA transfer to XXXX XXXX to be done immediately and for EN to relinquish all hold and illegal use of the IRA money without permission. We believe without outside intervention they will string us along indefintely, ignoring the transfer request and continuing to illegally benefit from the funds while depriving my mother from their benefit. I am her legal guardian of person and estate and EN has had these papers since XXXX 2013. 
",Older American,Consent provided,Web,2016-02-09,Closed with explanation,Yes,No,CR1776882,585
2016-02-09,Bank account or service,Savings account,Deposits and withdrawals,,"I deposited my paycheck from the state of California at a Eagle National Bank teller on XXXX/XXXX/16 for {$16000.00} at XXXX branch. Bank is saying they have no record of the check. They have refused to credit my account. I have a receipt that they issued when I deposited the cheque. What should I do? 
",,Consent provided,Web,2016-02-09,Closed with monetary relief,Yes,No,CR1778426,11195
2016-02-09,Bank account or service,Checking account,"Account opening, closing, or management",,"I had closed an account with Eagle National Bank well over a year ago. Yes, this is after I was late on a payment but I need then to take the late payment off my credit report I paid them back. However its shows that I was closed and shows its still unpaid in bad standing! 
",,Consent provided,Web,2016-02-09,Closed with explanation,Yes,No,CR1780863,4364
2016-02-09,Bank account or service,Checking account,Problems caused by my funds being low,,"My account went over XXXX in overdraft fee for charges that processing on my account before XXXX electronic checks were charge to my account. When I went back to take a look at my account I notice that the items that was in my account process somehow came out of a negative charge balance on my account. When the XXXX checks came into my account my account had fund in it with XXXX items processing. Overnite I check my account and XXXX elerctronic checks that came into my account somehow was processing and the items the was slide using my debit card was in the negative status and not the XXXX checks. I called and ask the rep on the phone what happened to my surprise the rep stated that the checks camae in before the items that I slide on my debit card going back and forth with the rep stating that was not true that rep became to tell me that is how it goes. Then I asked how was I charged XXXX overdrafted fee I thought I was only charged XXXX fee and then after 5 days I would have another XXXX added if that XXXX was not paid for. He then told me no Eagle National Bank charge you {$35.00} per item by government law. I then let the rep know that I have had this account for sometime and there has never been over draft fee on my account like this. So then I check my account on the 3rd day of overdraft and seen there was a 5 day over draft fee add and then another and then another. I called the bank the rep said that is right and there is nothing I could do about it. Now my account is XXXX in over draft fee with my account went negative on the XXXX of XXXX. I ca n't take this anymore I have been paying fee more than using my account. I do n't know what is going on but I need to report this because there is something seriously wrong with there system with charging these fee incorrectly to the consumers account. 
",,Consent provided,Web,2016-02-09,Closed with monetary relief,Yes,No,CR1779505,3377
2016-02-09,Bank account or service,Checking account,Using a debit or ATM card,,"On 6 occasions in the last 5 months, my debit card has been declined for "" unusual activity '' at Eagle National Bank. I have called on numerous occasions to determine the reason for the fraud alert, as the transactions have always been in my local area, within what any reasonable person would consider normal activity, and for low dollar amounts. Upon an inquiry/complaint call, I had asked for a supervisor to research the reason for the decline and to return my call with the results. However, I did not receive any further communication from Eagle National Bank. On a subsequent debit card freeze, this oversight was mentioned to the representative, but I was not offered a specific explanation as to why the transaction was deemed "" suspicious. '' On the most recent occasion ( today ), I was told that the error was a "" mismatch, '' which was explained as the merchant not using a EMV chip reading device. However, my card is swiped at many merchants, and these fraud alerts are not triggered. Furthermore, I have traveled to various locations in the US during my relationship with Eagle National Bank, and never once has a single transaction been flagged for potentially suspicious activity. I contacted Eagle National Bank to compile every occurrence in order to accurately complete this complaint, but I was told that Eagle National Bank associates do not have access to retrieve that data beyond XXXX XXXX, XXXX. However, I was able to filter through my e-mail account and retrieve all e-mails that were sent to me on each occurrence of a suspicious activity alert. I feel that these declines were malicious and targeted, especially considering my warning to Eagle National Bank that a complaint would be filed should this situation occur again. It is incredibly embarrassing to have a card declined at a merchant when funds were always available in the account and this has occurred on numerous occasions in such a short period of time. 

The dates this issue occurred ( since Eagle National Bank is unable to adequately supply this information ) are : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX I find it ( and Eagle National Bank should, too ) ridiculous that a consumer must experience so many issues with his/her debit card and that nobody took the initiative to research and provide a valid solution. This issue was left to continue for an indefinite period of time, even after frustrations have been communicated. 
",,Consent provided,Web,2016-02-09,Closed with explanation,Yes,Yes,CR1777525,3382
2016-02-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Please advise if trusts are outside your jurisdiction. This trust was originally created in Missouri in my grandmother 's will. 

XXXX XXXX ( Eagle National Bank ) is proposing incorrect settlement terms for a trust where it serves as trustee. I have provided documentation of the errors, but the bank stands on its original calculations. The errors stem from incorrect calculations the bank is using now to compensate for errors it has made in trust administration over the years where it failed to properly account for advancements against the trust principal to XXXX of the beneficiaries. It now must make whole the remaindermen affected by the original errors, and deliver correct distributions of remaining trust assets to those XXXX families who have not received any proceeds from the trust following the deaths of the final beneficiaries in XXXX and XXXX - in a timely fashion. It is now XXXX XXXX months since the last beneficiary died ( my mother ) and over a year since the one before did ( my uncle ). The heirs XXXX are being asked to settle in XXXX action. 

I will attach the proposed settlement documents, along with my explanation of the errors the bank has made in the form of a spreadsheet with line by line explanation. 

Errors that Eagle National Bank has committed over the years include failure to preserve records of trust transactions ( statements for some periods are unavailable ) and the above mentioned incorrect accounting leading to incorrect distributions following the deaths of the first XXXX beneficiaries in XXXX and XXXX. 

My calculations suggest that the bank is now proposing overpayment to me of {$24000.00}, underpayment to XXXX family of {$41000.00}, overpayment to XXXX family of {$11000.00}, and overpayment to XXXX family of {$5100.00}. See spreadsheet named "" trust_reconciliation.xlsx '' to see how I figure what we are each due. A line by line explanation is in the document "" trust_reconciliation_expl.docx ''. You will need to refer to the bank 's "" trust_cover_ltr.pdf '' and associated other "" trust_ '' documents to see their explanations of the errors for which they are trying to compensate and their proposed ( wrong ) calculations. 

To make matters worse, you will see that the agreement the bank is requiring us to sign to get any proceeds from the trust ( "" trust_release_n_waiver_modified.pdf '' ) releases them from responsibility for any errors or omissions - when they have made numerous errors over the years, can not produce statements to account for their actions as trustee, and proposed a settlement that contains, for XXXX family, an error of over {$40000.00} as I figure it. 

I am shocked that such a large bank could be so irresponsible over the years and now propose that, in order to collect anything, they ask that we give up all of our rights to hold them accountable. It seems that our obvious recourse would be to take them to court in the state that has jurisdiction over the trust. Eagle National Bank has suggested that we would incur significant fees in doing so, chargeable to the trust, in addition to our own legal fees. That is not right, that we should have to sue for a trustee to perform its obligation for which it has collected handsome fees from the family for decades. 

I hope that CFPB can assist us in this matter. 
",,Consent provided,Web,2016-02-12,Closed with non-monetary relief,Yes,No,CR1780076,2339
2016-02-09,Credit card,,Advertising and marketing,,"I am complaining about a bait-and-switch credit card offer, for an XXXX credit card offered by Eagle National Bank. XXXX is promoting a XXXX Signature card, which provides for free baggage check and other worthwhile benefits. I applied for the card, on-line, and was approved. I received a credit card in the mail, but after taking a closer look, I saw that it was a Platinum Card, not a Signature card. The card did not include free bag check, or any other significant benefits. The card had a {$1000.00} limit, and cost $ XXXX. I had not applied for this card. When I called B of A, I was told that the card already had a {$50.00} charge. I was able to cancel the card, but I was disturbed by the obvious bait-and-switch tactic. I went back to the XXXX web site. Nowhere does it say that I am applying for a Platinum card. "" Platinum '' is not mentioned on the home page, or on the Signature card promotion page. It is only when you go to the application page, that the Platinum card is even mentioned, and nowhere does it state that the application is for either card. It is only by going down to the "" Terms and Conditions, '' at the bottom of the page, and then scrolling down through the "" Terms and Conditions '' to a section that is not even initially visible, that a provision appears, in the smallest type font on the page, stating that B of A may approve a Platinum card, instead of a Signature card. But even there, it does not state that by applying for a Signature card, XXXX is also applying for a Platinum card. I applied for a Signature card. The application was approved on-line, without the need for any further action on my part. I was not told that I had only been approved for a Platinum card, or given an opportunity on-line, to reject the Platinum card before it was shipped. 

This offer is clearly designed to allow B of A to bait-and-switch the Platinum card for Signature card, without any adequate warning to the consumer. If I had not closely looked at the card after it arrived, I would have ended up paying a {$50.00} fee for a high interest, low limit credit card that did not have the benefits that I thought I was receiving. 

I spoke with representatives of both XXXX and Eagle National Bank, explaining the deception, and asking that they change the ad. The XXXX representatives with whom I spoke agreed that that web page was deceptive, but told me there was nothing that could be done, because Eagle National Bank controlled the content. The Eagle National Bank representatives told me that someone would be in touch with me, but I have not been contacted. 
",,Consent provided,Web,2016-02-09,Closed with monetary relief,Yes,Yes,CR1779762,4439
2016-02-09,Bank account or service,Checking account,Problems caused by my funds being low,,"Dear CFPB, I had a checking account with Eagle National Bank, which seems like was overdrawn by error. I had linked my Eagle National Bank to my XXXX credit card. By error it seems like the software submitted multiple ACH requests. 

I learned from Eagle National Bank that I was negative ~ {$200.00}, however, in less than 4-5 weeks, Eagle National Bank charged me more than {$250.00} in fees. They sent this amount to collection and closed my account. 

I am XXXX years old. I had only XXXX checking account. I am kindly requesting Eagle National Bank to please reopen my account and please remove the fees. I want to pay the overdrawn amount ASAP. Please ask the collection agency to not send this to credit agencies, otherwise it will damage my credit history. My credit score was close to XXXX, which now might have been damaged significantly. 

I will greatly any help from Eagle National Bank. I was traveling XXXX XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX has already removed all Fees associated with these ACH debits. 

I apologize to Eagle National Bank. 

I will greatly appreciate if you can help here. 

Thank you. 
",Older American,Consent provided,Web,2016-02-09,Closed with non-monetary relief,Yes,No,CR1778114,4504
2016-02-09,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2016-02-09,Closed with non-monetary relief,Yes,No,CR1778553,4018
2016-02-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-02-09,Closed with explanation,Yes,No,CR1780406,218
2016-02-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-02-09,Closed with explanation,Yes,No,CR1780812,4257
2016-02-09,Bank account or service,Checking account,Deposits and withdrawals,,,,Other,Web,2016-02-09,Closed with explanation,Yes,No,CR1779863,3503
2016-02-08,Bank account or service,Checking account,Problems caused by my funds being low,,"I was hit with an nsf fee and my bank ledger shows when XXXX $ posted the ending balance was XXXX $ available. I usually get q notice to transfer funds and never received anything to say my balance is low. I was not notified of the fee until the day after it posted. 
",,Consent provided,Web,2016-02-08,Closed with monetary relief,Yes,No,CR1777366,2762
2016-02-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"On XXXX XXXX, I was informed by Merrill Lynch that a balance transfer from my XXXX XXXX credit card to a Eagle National Bank credit card would take place and it did n't, resulting in a interest charge to me of {$4500.00}. Correspondence is attached. 
",,Consent provided,Web,2016-02-10,Closed with explanation,Yes,Yes,CR1778159,4823
2016-02-08,Credit card,,Balance transfer,,"In XXXX 2014, Eagle National Bank permitted a balance transfer from my EN XXXX to an XXXX XXXX account. The amount was $ XXXX a {$400.00} fee. I did not authorize this transfer nor did I have an XXXX account. EN refuses no to credit my account or give me any information about this transaction so that I may investigate it myself. Please help. {$10000.00} is a lot of money. Thank you. 
",,Consent provided,Web,2016-02-10,Closed with explanation,Yes,No,CR1777891,3030
2016-02-08,Credit card,,Late fee,,"My account was on an automated monthly payment schedule. Unbeknownst to me, the automated payment ceased and the minimum monthly payment increased. As soon as I realized, I contacted Eagle National Bank who refunded XXXX late fees and increased the monthly payment. Unfortunately, they apparently did not increase the monthly payment enough and the account went delinquent again and incurred additional late fees. I have tried having these late fees removed multiple times and keep getting denied. In addition, Eagle National Bank reported my account as delinquent the credit bureaus. I have called 3 or 4 times and keep getting told they will request the fees be waived. Then I get a non specific letter saying, "" After careful consideration, you recent request has been denied. '' I have done everything I can to keep this account current and feel these penalty fees should be removed. 
",,Consent provided,Web,2016-02-08,Closed with monetary relief,Yes,No,CR1777694,3465
2016-02-08,Credit card,,Billing disputes,,"On XXXX XXXX 2015 I filed a dispute with Eagle National Bank for a XXXX charge for a company that promised delivery by XXXX XXXX, which was within the 120 day period. Eagle National Bank Admits that they got the information to the Merchants credit card LATE, and because of their late submission I am out the XXXX. I will refuse to pay off that XXXX, which will now result in my credit being damaged. 
",,Consent provided,Web,2016-02-08,Closed with explanation,Yes,Yes,CR1777157,7186
2016-02-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I am filing this on behalf of my mother, who is incapable of using the computer. My mother is the victim of identity theft. My mother has been sick and hospitalized over the past year and had been cared for by an aide with whom she became "" close '' with. She trusted the aide implicitly and gave her full access to her apartment. My mother is frail, has much trouble in XXXX, and is XXXX. Besides her physical problems she has been hospitalized several times when her XXXX XXXX spiked due to anxiety It was a shock when my mother was informed by the Eagle National Bank in XXXX, 2015 that her account was overdrawn and there was a list of suspicious checks that did not seem to be hers. When I came down to help, I identified even more checks that were appeared to be forged. All of these checks were made out to the aide 's name or to "" Cash ''. 
While I had numerous conversations with bank employees and filed reports of these checks since XXXX, the bottom line is that the bank denied our claim. Their explanation was "" timeliness and same wrong doer ''. According to the bank, the claim had to be first made within 60 days of the first suspicious check, which was in XXXX, 2015, as that would have prevented any of the other forged checks to follow. 
The problem for us is that my mother had no reason to suspect foul play and had not looked at her statements. She was in a vulnerable state and just worried about her health, so she was not focused on her bank statements. She was trusting that everything in the part of her life was fine. No one in the family suspected the aide and this was a shock to all of us. This is not uncommon for victims of exploitation, and it is why we depend on banking institutions to compare signatures. 
",Older American,Consent provided,Web,2016-02-07,Closed with explanation,Yes,No,CR1776708,2323
2016-02-07,Credit card,,Credit card protection / Debt protection,,"Over the past 18 months we have been victimized by identity theft. We reported the crime to the XXXX County Sheriff 's Department, XXXX. Our credit cards, which we have had with Eagle National Bank without incident, have bee used to fraudulently charge XXXX of dollars. While most institutions have worked with us to remove these charges from our account, BofA refuses to remove XXXX from the XXXX, XXXX statement. 
I am a XXXX year old retiree and my wife suffers from XXXX. My wife is the principle cardholder, and been unable to use a computer for the past 3 years. As the frauds were occurring, BofA never notified us, even though we had never made charges in these amounts in 30 years. In fact the charges were well above our established credit limits. 
Our daughter XXXX is also a signatory to our account. When questioned XXXX freely admitted that she had shared the passcode with her fiance, and only her fiance. BofA is claiming that this makes us responsible. All of us, including the fiance, will agree to submit to a polygraph anywhere and anytime. Texas state law limits our liabiity to {$50.00} for credit card, and {$500.00} for cash withdraw. 

During initial conversations with BofA my daughter and I determined which charges were fraud, they agreed that the charges look fraudulent and would remove. In 30 years I had never been late on a payment, and with the understanding that the charges would be removed, I paid the bill in its entirety. At this age I wanted to be sure my credit remained spotless. 
Our community is outraged over the egregious manner we have been treated. In fact, through a neighbor, the local XXXX affiliate has inquired about doing a human interest story on our plight. 
Again in XXXX we were again victimized on our new BofA card for {$51000.00}. Again they never made a single phone call to us, in spite of our historically low charges and the problem we had in XXXX. 
I am a friend of XXXX and am helping him with this report. My name is XXXX XXXX, and I have know this couple for over 30 years, and know them to be above reproach. 
",Older American,Consent provided,Web,2016-02-07,Closed with explanation,Yes,No,CR1776740,3279
2016-02-07,Credit card,,Billing disputes,,"This is in regards to a Eagle National Bank credit card account # XXXX showing on my credit history as closed by consumer and unpaid balance charged off. The information provided by Eagle National Bank is incorrect I was an authorized user on this credit card which was opened and maintained by my late spouse XXXX XXXX XXXX. He died on XXXX XXXX, 2011 when Eagle National Bank was notified of XXXX 's passing they automatically closed the card and would not allow me access to it. I had no knowledge of any remaining balance nor did they make any attempt at placing a claim with his estate. They made what was already a very stressful situation even worse. I still have no idea what balance was charged off nor do I have the full account number for which they are reporting adversely on my credit history. I did previously try to contact them with no success or sufficient response. I would like all credit reporting that they have done and are doing deleted from my credit history. I feel they are in violation of the FCRA and have committed a UDAPP as they have made no effort to collect the debt from me which they are saying I am responsible for. Your help and swift resolution of this matter will be greatly appreciated. 
",,Consent provided,Web,2016-02-16,Closed with non-monetary relief,Yes,No,CR1776617,2904
2016-02-07,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank has charged an overdraft fee for a situation in which we make a check deposit minus "" cash ''. If there is not a balance in your existing checking account ( pre-deposit ) to cover the "" cash '' portion that you are taking from your deposit, they charge an overdraft fee. 
I understand that technically you are taking money off of a check that has not yet cleared so essentially you are taking withdrawal from you checking account but that is NOT explained to you at the time you are standing with the teller making the transaction. You do n't find out until you see the overdraft fee and call the bank to understand where its coming from. 
The complaint is regarding a deceptive practice. Its fine if the policy is as it is but it should be the teller 's responsibility to tell the customer that they do n't have the money in their checking account to cover the withdrawal so they can either choose to take it against an alternative account that has the funds or they can take a lesser amount so they do not incur the fee, otherwise they will incur the fee. 
Eagle National Bank does not do that at the point of the transaction which is just a way for them to collect a fee. 
",,Consent provided,Web,2016-02-07,Closed with monetary relief,Yes,No,CR1776521,4367
2016-02-06,Bank account or service,Checking account,"Account opening, closing, or management",,"I was making a purchase at the XXXX at around XXXX only to see my debit card was declined. I called my bank ( Eagle National Bank ) to find out what was wrong only to discover the account was closed and they told me to call their risk department. The risk department were extremely rude!. They did n't let me speak and they could not give me a valid reason or good enough reason as to why they were closing my account just before hanging up on me. Prior to this incident i did not receive any phone call or letter in the mail or any kind of notice to inform me about them closing my account or even a warning that they are closing my account. The letter they sent me was dated on XXXX XXXX 2016 and the account was closed without my knowledge on XXXX XXXX 2016. The letter came in the mail on XXXX XXXX friday 2016. I have never been treated so unfairly and disrespectfully by a financial institution in the whole of america. Eagle National Bank has to be the worse banking experience i have had. I had to XXXX my situation only to find out similar situations of them closing other people 's account with no valid reason, that 's how i came across the information for the Bureau of Consumer Financial Protection. 
",,Consent provided,Web,2016-02-06,Closed with explanation,Yes,No,CR1774953,907
2016-02-06,Credit card,,Closing/Cancelling account,,,,Other,Web,2016-02-06,Closed with monetary relief,Yes,No,CR1776294,4064
2016-02-05,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank ( BofA ) has not honored a {$300.00} checking account promotion I signed up for in XXXX, and fulfilled the terms on. BofA was supposed to pay the {$300.00} bonus within 60 days of fulfilling the terms, which was over 15 days ago from this complaint. 

I have been a BofA credit card customer since XXXX. Last year, I logged into my BofA credit card account and had an offer box on the side stating a {$300.00} bonus for opening a new checking account. I clicked on the link, which took me to an application page where I then signed up. There was no promo code, only the link. I did print off the offer after following the link, which I will try to attach and which I completed all terms for the promo. 

Yesterday I did an online chat with a BofA representative ( there was no option to SM them ) to inquire, and he said he could not help me but I needed to call their main checking account number ( XXXX ) to inquire. The person there said they could not see the promo code on my account but gave me a new internal number for marking online redemption issues ( XXXX ). I then called that number, and the person refused to deal with me since it was supposedly an "" internal '' number. I then asked what number I needed to call to talk with someone and submit my records ( being very clear it was a checking account issue ), and he assured me they would handle it at XXXX. When I called THAT number, it was corporate credit cards, and they said they had no jurisdiction to help me! 

It 's obvious that BofA has XXXX interest in trying to assist customers with collecting the bonus they are due based on the almost 2 hours I put in and XXXX different departments giving me the run-around! Therefore, I 've resorted to filing this federal complaint due to the sinister organizational structure BofA has erected to try to get its customers to give up on collecting any checking account bonus due. I hope CFPB, besides resolving my issue, looks into fining BofA for providing no viable due process for a customer requesting a bonus and offering to submit evidence that they had signed up for it -- particularly since BofA offered this bonus online and how "" convenient '' it is for them to claim the bonus offer was not associated with the account based on the lack of any paper trail. 
",,Consent provided,Web,2016-02-05,Closed with monetary relief,Yes,No,CR1774505,3576
2016-02-05,Credit card,,Delinquent account,,,Servicemember,Consent not provided,Web,2016-02-05,Closed with non-monetary relief,Yes,No,CR1774360,236
2016-02-05,Credit card,,Late fee,,,,Consent not provided,Web,2016-02-05,Closed with monetary relief,Yes,No,CR1775466,13071
2016-02-05,Credit card,,Other,,,Older American,Consent not provided,Web,2016-02-05,Closed with explanation,Yes,No,CR1774444,1603
2016-02-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-02-05,Closed with explanation,Yes,No,CR1774825,5642
2016-02-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-02-05,Closed with explanation,Yes,Yes,CR1773349,1127
2016-02-05,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-02-05,Closed with non-monetary relief,Yes,No,CR1775813,13576
2016-02-04,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank issued a new debit card without consulting me and without my consent while I am abroad. This has effectively rendered me unable to obtain cash in local currency while abroad. In my opinion, such action is criminal as it puts customers at potentially significant risk. If Eagle National Bank suspected my card had been compromised, they should and could have consulted with me first before issuing a new card. There are absolutely no fraudulent transactions on my account. Instead, their haste has put me in quite a bind. 
",,Consent provided,Web,2016-02-04,Closed with explanation,Yes,No,CR1773860,2606
2016-02-04,Bank account or service,Checking account,"Account opening, closing, or management",,"I came to the Eagle National Bank branch to cash the check that was Eagle National Bank check. In order to cash the check I was told need to open account. I di n't want to set up it because BofA has only couple branches in the large XXXX XXXX, and its not convenient for me. Later I got a Statement with monthly service fee. I thought Bank will see that account was not funded and was not used, and will close it. Instead, Bank took advantage to charge another monthly service fee for the service that I did n't use. Recently I call to BofA customer service to request to reverse the "" service '' fee and close account. Lady on the phone refused to give me her full name, as well as employee ID or any confirmation number. I know only her first name : XXXX. She said that I overdrawn account and need to pay. I told her I did n't spend any single penny from this account, its your Bank overdrawn my account by charging service fee for the service that I did n't use. I did n't use this account, I did n't use debit card, I did n't use Online banking, I did n't use anything. What kind of service do I have to pay if I did n't use anything? When I asked to talk to a manager or supervisor she decline my request too. It does n't look a good customer service, and it makes me very upset and makes me to file this complaint in hope you would able to help me, and to inform other people. 
",,Consent provided,Web,2016-02-04,Closed with monetary relief,Yes,No,CR1774176,9593
2016-02-04,Bank account or service,Checking account,"Account opening, closing, or management",,"I have n't use my card in days first I was overdraft XXXX than XXXX now XXXX, this bank is n't a honest bank at all, I had to take off my direct deposit so they can stop taking my money. 
",,Consent provided,Web,2016-02-04,Closed with explanation,Yes,No,CR1771321,1975
2016-02-04,Bank account or service,Checking account,Problems caused by my funds being low,,"This is regarding overdraft fees that I was charged by Eagle National Bank : I was charged {$240.00} for transaction overdraft in XXXX of XXXX, and {$420.00} in XXXX of XXXX. This is only the charges on my Eagle National Bank checking account. I have a credit card linked to this account for "" overdraft protection '' and somehow I was charged additional overdraft {$200.00} on the credit card side for the same transactions. I do n't know how that is overdraft protection when the setup gives the bank more opportunity to charge you bank fees. 
",,Consent provided,Web,2016-02-04,Closed with monetary relief,Yes,No,CR1772678,2820
2016-02-04,Credit card,,Billing disputes,,"i had to call 4 times this morning to make a payment first 3 time s they put me on hold with no explanation for 20 minutes. no apology. nothing. they think i can wait and 2 said they would not. i want something for my inconvenience. or i will be unable to use the card. horrible CS. no interest or a XXXX dollar credit and investigate. 
",,Consent provided,Web,2016-02-04,Closed with monetary relief,Yes,No,CR1774062,1542
2016-02-04,Credit card,,Other,,,,Consent not provided,Web,2016-02-04,Closed with explanation,Yes,No,CR1773409,125
2016-02-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-02-04,Closed with explanation,Yes,Yes,CR1772648,5046
2016-02-03,Bank account or service,Checking account,"Account opening, closing, or management",,"My account was charged overdraft fees for several years without my consent into the program. When I learnt of the Cfpb rule on this practice, I contacted the bank to show me the single page opt-in consent form that I should have signed according to the cfpb rule but they could n't. 
",,Consent provided,Web,2016-02-03,Closed with explanation,Yes,No,CR1771003,292
2016-02-03,Bank account or service,Other bank product/service,Deposits and withdrawals,,"My grandmother wrote me a check for XXXX, but the date was wrong. I did not notice until the bank teller told me so. Now, this is understandable. I laughed it off and went home to call my grandmother. She apologized and wrote me a new check. Now, keep in mind that she is XXXX XXXX XXXX. After driving quite a distance to pick up this new check, I arrived approximately 1 week later to the very same bank location. And the very same teller. Little did I know, my grandmother had crossed out the new check number and written the old check number. Apparently this is not okay. So, I was denied once again. A little frustrated at this point, but by no means mad. This is again, understandable. After waiting a week and driving ANOTHER quite a long distance, I pick up a third check from my XXXX year old grandmother. Did I mention this has taken up a significant amount of my time and money? Driving long distances and leaving work early, etc. I arrive at the bank once more, same location, same teller, confident that "" third times a charm. '' Well it is not. This time, my poor XXXX year old grandmother 's handwriting is "" illegible. '' It is to the point where I am being profiled. I was told I need to tell grandma she needs a power of attorney. My grandmother does not need a power of attorney. The best part is, I heard XXXX tellers say the amount of this check aloud. It 's clearly legible. 
",,Consent provided,Web,2016-02-03,Closed with explanation,Yes,No,CR1771128,5093
2016-02-03,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,"My wife recently passed away and she had a CD at Eagle National Bank in her name only. I have gone to the state probate court and received a ruling that granting me, the surviving spouse, ownership of the CD. I have submitted a copy of this ruling and a notarized form to Eagle National Bank 's Estate Unit in order to gain ownership of the CD, yet the Estate Unit continues to delay releasing this account to me. 
",,Consent provided,Web,2016-02-03,Closed with explanation,Yes,No,CR1771664,4732
2016-02-03,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX XXXX XXXX bought a plane ticket using my Eagle National Bank business debit card for the amount of {$160.00} from XXXX airline in XXXX. I canceled the plane ticket via phone within 1 hour of making the purchase. I canceled this in person at the airport. The website I was using changed my flights around last minute and ordered me the complete wrong flight. I explained to the people at the airport, but they did n't speak XXXX. To what I understood, they canceled the airline ticket and refunded the money. A week later, I still had n't received a refund, so I contacted them by phone. There was such a communication barrier that we were n't able to understand each other very well. 
On XXXX XXXX, I filed a claim with B of A claims department for the amount of {$160.00} - claim # XXXX. The reason for the claim was that I canceled the plane ticket due to an error on their website. 
The claims person I spoke to ( BofA ) said that I needed to listen to a recording at the end of the call. This recording stated that if fraud had occurred, I would need to fill out the paperwork they send me and mail it back in, in order for the claim to be accepted. 
After the recording was finished playing, I called back BofA and explained that the recording I had received said that I was going to receive documents for a fraud case via mail. I informed them of two things, 1 - this was not a fraud case, and 2 - the address on my account would not reach me to fill out the paperwork because the address was incorrect. The representative informed me that the previous representative had made a mistake. She stated, there was no paperwork required for my case, as it was not due to fraud. She informed me that I would not need to change the address unless I wanted to. She also had me listen to a new recording. The new recording said nothing about sending in paperwork. 
So far : 1. The first representative had me listen to the wrong recording, I caught the mistake and called in 2. The new representative informed me that I would not need to fill any paperwork 3. The recording informed me of no paperwork 4. Representative changed my address On XXXX XXXX the money was withdrawn from my account again. I called in and spoke to a representative that said I had not filled out the proper paperwork. I informed them of the previous conversations and they said that would not be a problem. I would just need to fill out the paperwork and fax it in. She simply emailed me the forms, I filled them out that exact moment and faxed them in. I do have a fax confirmation of this. 
XXXX XXXX I called to check on the claim and get the status. The representative informed me that I am over due on the claim and that I lost the claim. I politely tried explaining that the fault is on BofA for screwing up the paperwork that was required, even though they said it was n't, and sending it to the wrong address, even after I changed it. I explained to her they they informed me I would not need to fill out any paperwork. They also informed me that the credits for the overdraft fees would be reassessed to me. I disputed this as there was another claim that was decided in my favor for the amount of {$970.00} which was the reason for the account going into overdraft. 
I need BofA to apply to the credit for {$160.00} for the claim that should have been decided in my favor. I also need BofA to credit me for the overdraft fee 's incurred because of this improper charge on my account. I also need BofA to credit me for the time its taken to handle this claim and set the account straight. This amount can be negotiated. 
",,Consent provided,Web,2016-02-03,Closed with explanation,Yes,Yes,CR1770828,2529
2016-02-03,Credit card,,Other,,"Eagle National Bank recently deactivated my ability to make payments online. They provided a number to call, but I never get through. I do not have time to wait hours to get a hold of anyone. I 've talked through email and online chat, but those individuals tell me to call the number again. I have n't lost any money yet, but technically I will be paying more interest if I have to mail by payment since they are making it inconvenient. I have never experienced this from my other banking relationships. 
",,Consent provided,Web,2016-02-03,Closed with explanation,Yes,No,CR1771725,11149
2016-02-03,Credit card,,Customer service / Customer relations,,"I called to make a payment on my credit card while driving to work.I was using the hands free option on my cell phone and kept asking to speak to a representative. I got a customer service representative who was quite rude, refused to take my payment and transferred me to the fraud department. The fraud rep ( male ) also refused to take my payment, and, despite me verifying every piece of information on the account, stated that he would have to call me back to take my payment. I told him I did not want any inbound calls from them to my cell phone as I did not know them personally and to transfer me to someone who could process my payment. He transfered me to XXXX, who told me that because I volunteered the security information on the account I was suspect and she tehn refused to take my payment. At this point they had wasted 40 minutes of my day, deeply offended me by treating me like I was a criminal for trying to pay my bill, and refused my payment. XXXX also stated that she would call me and process the payment, again, I was clear in stating that they should not call me. As I was on hold for the 3rd or 4th time during the call, I reached my destination. I then hung up so that i could call back and make my payment through the automated system, as I could key in all the information. As I was doing this, XXXX chose to call my cell phone, despite my vehement directives previously that they were not to call my cell phone. After I processed the payment, I called in to the customer service department to make a complaint. 
",,Consent provided,Web,2016-02-03,Closed with explanation,Yes,No,CR1768638,9680
2016-02-03,Credit card,,Billing disputes,,"I have a Eagle National Bank- Visa Credit Card XXXX This card had a balance of {$2800.00} in XXXX XXXX. Because I was going to be traveling for 6 months into XXXX on XXXX XXXX, XXXX, I requested the monthly Visa payments be automatically deducted from my checking account which is also with Eagle National Bank. I completed the automatic payment request with XXXX, at the XXXX XXXX XXXX of Eagle National Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX, Az XXXX. XXXX assured me that it was all set up with the payment arrangement of {$100.00} to be deducted automatically every month. We confirmed this with the Credit Card Department which received the information that same day XXXX/XXXX/XXXX. Keep in mind I was traveling -- Eagle National Bank mailed me a letter dated XXXX XXXX, XXXX stating they were unable to deduct my monthly payment because the credit card account has a closed status. So, for 6 months the payment was not automatically charged as agreed -- -and I became delinquent on the Visa account. {$35.00} late charges for 6 months, along with more interest due to the balance going up each month. When I returned to the States, on XXXX XXXX, XXXX I read the letter that stated they were unable to charge my account automatically -- -I had not had my correspondence forwarded since I was traveling. How was I to know that the original arrangement was not followed through by Eagle National Bank. Here is the kicker -- -when I returned I called Eagle National Bank to see what could be done with the delinquent amount and if the late charges and any interest charged due to their inaccurate information the payments were not made. So, I called the collection department and spoke to a young lady named, XXXX XXXX, she stated she could submit an order to get the late charges reversed and refunded to the account but the account needed to be at a Current Paid Status -- I paid the amount past due of {$640.00}. to bring the account current. Once the payment of {$640.00} was processed and had gone through, she then retracted her statement saying she could NOT reverse the late charges because I had been past due in the past. What a joke this was on me -- made the payment and then once again, fraudulently, advised. One important statement she did make was that it does not matter whether an account status is open or closed the payments should be able to be paid automatically as originally was to be done. Please help, I am a XXXX year old, lady with a financial hardship due to illness and then for this to happen is not very professional on the part of Eagle National Bank. Fraud on their part to take a consumer for more money. 
",Older American,Consent provided,Web,2016-02-03,Closed with monetary relief,Yes,No,CR1771405,81
2016-02-03,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-02-03,Closed with explanation,Yes,No,CR1768520,4291
2016-02-03,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-02-03,Closed with explanation,Yes,Yes,CR1772242,5760
2016-02-03,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-02-03,Closed with explanation,Yes,No,CR1772197,3134
2016-02-03,Credit card,,Other,,,,Consent not provided,Web,2016-02-03,Closed with explanation,Yes,Yes,CR1772352,4558
2016-02-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-02-03,Closed with monetary relief,Yes,No,CR1772247,2601
2016-02-03,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-02-03,Closed with explanation,Yes,Yes,CR1772069,1650
2016-02-02,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank would not let me open account without providing my ssn 
",,Consent provided,Web,2016-02-02,Closed with explanation,Yes,No,CR1768762,3681
2016-02-02,Bank account or service,Checking account,Using a debit or ATM card,,"I am a Eagle National Bank costumer and I have had my debit card replaced 3 times in the past 9 months because of a "" data breech '' at an "" undisclosed merchant. '' Eagle National Bank will not disclose WHO the merchant ( s ) are or the situations leading to the breech. Going thru and updating XXXX auto-pay accts every 3 months is a hassle and as I am the customer, I feel that the absolute LEAST Eagle National Bank can do is inform its customers of how/why my information was released. It 's as though they are protecting merchants instead of their customers 
",,Consent provided,Web,2016-02-02,Closed with explanation,Yes,No,CR1767170,86
2016-02-02,Bank account or service,Checking account,Problems caused by my funds being low,,"I am not clear as to what exactly happened with my Eagle National Bank account. I do know that the account was ultimately closed and has been reported to XXXX ( XXXX ) and XXXX as "" fraud '' because of a returned check that was deposited. I have made two trips to Eagle National Bank to try and resolve the issues at hand ( I have been placed in XXXX & XXXX for {$240.00} ). The branches themselves have not been able to help me. The reporting to both bureaus has resulted in all my bank accounts being closed with my previous institution because of the "" fraud '' attachment to my account. I have attempted to resolve the issue at Eagle National Bank to no avail. It is IMPOSSIBLE to open another bank account for myself and or my business because of the fraud. My business will be closed by the end of the month because we can not operate without a bank account and our credit card reserves will be maxed out. Who gave Eagle National Bank the right to shut down businesses it is very apparent that they have more power than our Government does. 
",,Consent provided,Web,2016-02-02,Closed with explanation,Yes,No,CR1768482,3755
2016-02-02,Bank account or service,Checking account,"Account opening, closing, or management",,"I received an online offer from Eagle National Bank in XX/XX/XXXX /XX/XX/XXXX that if I open a checking account and had XXXX direct deposits within 90 days of account opening I will get {$100.00} bonus. So I opened this account and made changes to my direct deposit and split it such that {$400.00} would go each month into BofA checking account. By XX/XX/XXXX I received the welcome kit from BofA and it also had a letter saying my XXXX direct deposits had to be made by XX/XX/XXXX or XX/XX/XXXX, for me to get the bonus. This made me happy cause XXXX had not made the first deposit to BofA in XX/XX/XXXX due to paper work processing. So my XXXX direct deposits were made by XX/XX/XXXX/XX/XX/XXXX, but BofA keeps dilly dallying to pay my {$100.00} bonus. I have called 4 times so far. The second time the agent told me I would get the bonus, but when I did not by XX/XX/XXXX end, I called and have called twice since, they say decision is pending. They said they will remail me the welcome letter for me to see what it said, never did. I am very sorry I ca n't find the welcome letter, looks like it got thrown out with trash. But I did get that letter from them and in any case I got my direct deposit set up and did all that I was required to do for the bonus. I read online they make such offers, and mostly try not to honor them. Supposedly, BofA is infamous for this. This seems unfair. 
",,Consent provided,Web,2016-02-02,Closed with monetary relief,Yes,No,CR1769057,1122
2016-02-02,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XXXX XXXX, 2016 at XXXX, I entered the Eagle National Bank at XXXX XXXX XXXX XXXX XXXX California. I was there to pay bills by collecting my California State unemployment benefits which are deposited by the State of California into the Eagle National Bank Account systems. 
Every 2 weeks, I am being continually and openly harassed by the actions of the bank manager, "" XXXX '' that has seen fit to voluntarily withhold my benefit payments until he recites the fact that I do not have to enter the bank to collect my benefits. I have told this manager that ; 1. I have a right to transact my business within the bank 2. I prefer the safety of transacting business within the bank structure 3. I should be able to collect my benefits without this individual holding on to identification and banking cards, for 2-3 minutes, without processing my request, as he openly smirks, and takes illegal advantage of his position. I have already submitted a complaint of a similar incident ( Case number : XXXX ) that occurred on XXXX XXXX, 2016 by the same individual that appears to feel that banking customers have no recourse regarding his inappropriate official actions. 
On XXXX XXXX, 2016, I had to openly ask this individual five times to "" please process my request without delay '' ... He ( XXXX ) laughed, and stated, "" XXXX XXXX, I have to tell you this '' .... This is become extremely irritating and frankly I have been told that it is illegal for this individual to delay or intentionally inhibit my access to state benefits ... I am currently searching for attorney or a banking enforcement entity to investigate my complaints. On this, my latest complaint, there were witnesses available, Including "" XXXX '', another Eagle National Bank employee positioned in the lobby and greeting customers as they entered the bank. I am sincere about having these events investigated, and I am confident that bank cameras captured this event as well as the prior incident. It also appears to me as if this is a racially motivated incident, in noting that no other patrons are subjected to this type of irritating response by this Eagle National Bank "" Manager '' 
",Servicemember,Consent provided,Web,2016-02-02,Closed with explanation,Yes,No,CR1770089,4093
2016-02-02,Bank account or service,Checking account,Deposits and withdrawals,,"Over a week ago, I deposited a {$5000.00} cashier check via the ATM. A hold was placed on my account. I contacted Eagle National Bank to tell them that I 've written checks and I need the hold off of my account. I can not understand why they would place that type of hold on a cashier 's check. My property tax check for {$3.00}, XXXX was returned. I contacted them today to ask that they pay that check because an additional delay means I will owe the XXXX of XXXX additional money. They refused to pay the check. Meanwhile, they are charging my account for overdraft fees because some checks are coming in. This is almost criminal. It would be different if it was n't a cashier 's check. How much verification does XXXX need in order to release those funds. I can not afford to pay those overdraft fees and the additional money to the XXXX for my property taxes because Eagle National Bank decided to withhold what I perceive to be basically a cash deposit. Is this there way of collecting fees from their customers by forcing them into an overdraft status? This is wrong. I 've been with them a lot of years and I deserve better treatment. 
",,Consent provided,Web,2016-02-02,Closed with monetary relief,Yes,No,CR1770171,1349
2016-02-02,Credit card,,Customer service / Customer relations,,"I recently received an email from Eagle National Bank ( EN ) stating that there was a potential fraudulent charge on my VISA card. Rather than call the phone number in the email or click on the link, I went directly to the EN website. I could n't log in and received a message stating that I could n't access my account, try again later. I also called the phone number on the back of my EN VISA card. 

I called twice a day, at different times, for 6 days and waited on hold each time for 30 minutes and then hung up. I also continued to try to log into my account, also with no success. This was very disturbing. I finally posted a complaint on the EN XXXX web page. Several days later I received a phone call ( voice message ) with a new phone number to call. After 15 minutes on hold a representative answered. When I explained why I called I was told that EN already paid the transaction and that is was n't potential fraud, it was actually a "" disputed charge ''. I was told that I was locked out of my online access and I was given the original phone number to call again. I asked if there is an address I can write to and was told no, I can only lodge a complaint by phone. To prevent further charges to my account and because of my inability to reach EN, I then canceled my VISA card. 

This lack of service/concern is totally unacceptable from a major financial institution. When I received my bill in the mail I saw that the charge was {$99.00} plus international transaction fees for a supposedly free product from a company called "" incredible cigs '' and monthly additional charges. I could n't lodge a dispute with EN, so I paid the bill and will not do business with EN again. I did find a mail address to write to on my just received bill, but I am on vacation and will now hand write a dispute, but I have no hope that EN will honor my dispute. 
",Older American,Consent provided,Web,2016-02-02,Closed with explanation,Yes,Yes,CR1768930,4276
2016-02-02,Credit card,,Billing statement,,"On XXXX/XXXX/XXXX I attempt to pay my Eagle National Bank ( EN ) credit card balance in full of {$5500.00} from a rarely used XXXX XXXX checking account. 
XXXX A statement credit is applied to my account of {$120.00} XXXX Online statement is made available XXXX Payment from XXXX XXXX Checking Account is reversed by EN, for reasons that are completely unclear. I 've talked to XXXX XXXX ( XXXX XXXX, XXXX ) and no attempt was ever made by ENto obtain the money and there 's no indication on any of my statements that money was attempted to be withdrawn. This payment reversal is not discovered till XXXX XXXX, XXXX by card holder because of EN 's subsequent actions. 
XXXX A purchase is made is for {$7400.00}. 
XXXX Credit Card is closed by EN. 
XXXX I receive letter in the mail telling EN has decided to cease our business relationship. 
XXXX Online Account is XXXX sometime in this time window. 
XXXX Since I charged {$7400.00} since my last statement, which I believe to be paid in full, but ca n't access at this point, I call EN and make a payment by phone for {$7400.00}. I hang up the phone thinking I 'm done with EN for the rest of my life. 
XXXX I never receive any statements or letters from EN indicating that I owe a balance. 
XXXX I get a call XXXX from FIA card services telling me they want to discuss my account. Well I have no account with FIA card services and the operator does n't tell me that they are a subsidiary of Eagle National Bank. I tell them I do n't have an account with FIA card services. 
XXXX calls again this time they say they 're from FIA which is a subsidiary of EN. I tell them my account is closed and I do n't have any business with them. Operator abruptly hangs up. 
XXXX I googled XXXX http : XXXX "" This is a SCAM - it is NOT Eagle National Bank, I called them, my cards and accounts are fine - the guy currently operating from that number refers to himself as "" XXXX XXXX '' from "" The Eagle National Bank XXXX and when you call back you get the "" Thanks for calling FIA Card Services '' Hold message ... then, you 'll be connected ... with the same guy, every time, running a SCAM - I reported him, and this number to the FBI - this is NOT Eagle National Bank FIA Card Services XXXX I call EN myself wondering if maybe they mistakenly closed my account or something and wanted to reopen it. The operator assured me that EN would NEVER call about a closed account. At this point I 'm pretty sure it 's phishing scam since the XXXX always calls immediately asking for address to verify my account which I never give them not knowing what I might be giving up. 
XXXX Another call, this time I tell them if EN if they have anything they want to discuss to send certified mail. They say they 've tried ( which was a lie ) I push the operator farther and she says that they ca n't do certified mail, but wants me to give her my address so we can discuss account. At this point I 'm 99.999 % sure this is a phishing scam because it makes no sense that EN would n't be able to send certified mail especially since I 've already called EN. 
XXXX Another call at this point I 'm considering blocking the number. 
XXXX/XXXX/XXXX First mail arrives from EN since they closed the account. It was not sent certified. It said I owed around {$5500.00}. After some XXXX I verified it was real. 

XXXX/XXXX/XXXX I wake up in the middle of the night wondering if I actually owe EN money or if there is some mistake I scour my bank statements looking for a payment. 
XXXX After nearly an hour on the phone I find about reversed payment but operator ca n't tell me why. I request statements for the last 9 months. 
XXXX I pay {$5400.00} over the which was the final statement total. I ask any finance fees or late payments fees to be waived since EN failed to provide a statement and inexplicably reversed a payment before closing my account. 
XXXX EN denies request. 
",,Consent provided,Web,2016-02-02,Closed with monetary relief,Yes,Yes,CR1768956,2392
2016-02-02,Credit card,,Payoff process,,,,Consent not provided,Web,2016-02-02,Closed with explanation,Yes,No,CR1769014,3113
2016-02-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-02-02,Closed with non-monetary relief,Yes,No,CR1770336,4789
2016-02-02,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-02-02,Closed with monetary relief,Yes,No,CR1769960,3972
2016-02-02,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-02-02,Closed with explanation,Yes,No,CR1768601,2848
2016-02-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-02-02,Closed with explanation,Yes,No,CR1768445,4687
2016-02-01,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank has continually, after many conversations with them, in branch and on the phone have refused to work with me on their fee schedule and/or finding a better account of mechanism of which to manage my money at their bank. Virtually every service has an account fee, up until recently even going to the bank counter. Its been an unfortunate experience as a student and somebody not yet making a significant amount of money, bank fees this year resulted in 2.5 % of my income being unusable by me. 
",,Consent provided,Web,2016-02-01,Closed with monetary relief,Yes,No,CR1765841,278
2016-02-01,Bank account or service,Checking account,Deposits and withdrawals,,"I have a jount account at Eagle National Bank with my husband where we were victims of fraud, his ATM card was compromised and numerous ATM withdrawals were made in another state and phony checks deposited. This fraud was reported to EN. They did n't resolve the issues within the joint account and as a result thereof, froze my indiviudal account to "" recoup '' the negative balance on the joint account. They put a {$880000.00} debit on my indiviudal account and will not allow me to access my {$3400.00} in my individual account and said the account is closed permanently. They bounced over {$1000.00} in checks when I had the money available. No one will give me a straight answer at Eagle National Bank and basically stole money from me to cover fraud that was committed against me and my husband. 
",,Consent provided,Web,2016-02-01,Closed with explanation,Yes,Yes,CR1766056,1125
2016-02-01,Credit card,,Billing disputes,,"I filed complained for {$200.00} against NY XXXX MOVERS with Eagle National Bank visa on XXXX/XXXX/2016 under claim # XXXX with transaction ref # XXXX. I received a letter from Eagle National Bank on XXXX/XXXX/16 at about XXXX dated XXXX/XXXX/2016 posted on XXXX/XXXX/2016, asking me to reply by XXXX/XXXX/16 I called Eagle National Bank visa and informed XXXX XXXX XXXX Who told me that I can not reply by fax but only reply by mail and there is 10 days grace period and adivised me to send reply in next 2 days. He aIso told that he putting note regarding our phone conversation in the system. I posted my reply on XXXX/XXXX/16. I got email on XXXX/XXXX/2016 to look into my on account for alert. When I open the alert, It was the letter stating that my claim is closed as It has passed time limit. I called again on XXXX/XXXX/16 and spoke with XXXX XXXX who asked to me call dispute dept at XXXX on Monday XXXX/XXXX/16 and they will reestablish the claim. When I called on XXXX/XXXX/16 at about XXXX I spoke with XXXX and explain them all the fact but they only stated they can do nothing as they have not received my reply by XXXX/XXXX/16. I told them that that is my mistake and hence either you reopen dispute or give me {$200.00} credit. I was offered {$50.00} credit as cursey by XXXX which I refused and I told her that either give full credit or I will be not responsible for the payment. I am ready to provide any more information if needed. I told XXXX that i spent about 3 hours of my precious retirement time to resolve the problem and I am doing this to get justice. 
",,Consent provided,Web,2016-02-01,Closed with explanation,Yes,Yes,CR1766185,1817
2016-02-01,Bank account or service,Savings account,Deposits and withdrawals,,,,Other,Web,2016-02-01,Closed with explanation,Yes,No,CR1767237,2471
2016-02-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-02-01,Closed with explanation,Yes,No,CR1766846,3775
2016-01-31,Bank account or service,Other bank product/service,Deposits and withdrawals,,"On XXXX/XXXX/2016 I received a refund check or check for {$260.00} from Eagle National Bank Home Loans located at XXXX. XXXX XXXX, XXXX XXXX, CA XXXX. On XXXX/XXXX/2016 at approximately XXXX hours, I went to cash the check at Eagle National Bank in XXXX XXXX located at the XXXX branch area. The bank teller agent told me that he was NOT able to cash in the check for me due to insufficient funds. I asked the bank teller agent why would Eagle National Bank sent me a check with insufficient funds? The agent told me to contact Eagle National Bank. I was very upset because I waited almost 25 minutes in a very long line and short staffing from Eagle National Bank. The bank only had XXXX bank teller agents at the time serving XXXX-XXXX customers. The agent refused to assist me further by saying he does NOT know anything and that he wanted me to call or contact Eagle National Bank Home Loans. I want to know why Eagle National Bank sent me a "" blank '' check or a check with insufficient funds? The check number is XXXX. Treasury id : XXXX. Another address from Eagle National Bank is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
",,Consent provided,Web,2016-01-31,Closed with non-monetary relief,Yes,No,CR1766116,4389
2016-01-31,Credit card,,Delinquent account,,"I settled a debt with Eagle National Bank/XXXX XXXX XXXX. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as "" charged off '' rather than "" settled. '' In my understanding this single debt ( regardless of if it is tracked under XXXX account numbers ) must be listed as "" settled '' or "" legally paid in full for less than the full amount '' to be fully FCRA compliant. 
",,Consent provided,Web,2016-01-31,Closed with explanation,Yes,No,CR1766101,5441
2016-01-31,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-01-31,Closed with monetary relief,Yes,No,CR1765902,13262
2016-01-31,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-01-31,Closed with explanation,Yes,No,CR1765847,4100
2016-01-31,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-02-01,Closed with explanation,Yes,No,CR1765896,3998
2016-01-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Other,Web,2016-02-03,Closed with explanation,Yes,Yes,CR1765815,4364
2016-01-30,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank 's "" Extended Overdraft '' fee of {$35.00} has ended up penalizing me {$70.00} for a {$9.00} overdraft. I 'm accept the original {$35.00} fee since the error was my fault, however, is n't Eagle National Bank guilty of charging "" excessive fees ''? I 've been with this bank for years and the bank can see when my payroll occurs ( bi-weekly ) and my deposit of my Social Security check on the XXXX of each month. The overdraft occurred on XX/XX/XXXX, since my XXXX check wo n't deposit until XX/XX/XXXX, there is no way for me to avoid the extended fee. My current balance is - {$79.00}. 
",,Consent provided,Web,2016-01-30,Closed with monetary relief,Yes,No,CR1765466,391
2016-01-30,Bank account or service,Other bank product/service,Deposits and withdrawals,,"Hi my bank account was basically stolen and is being withdrawed of a lot of money 
",,Consent provided,Web,2016-01-30,Closed with explanation,Yes,No,CR1765564,3563
2016-01-30,Bank account or service,Checking account,Using a debit or ATM card,,"I had disputed a charge on my account for {$380.00} due to faulty repair work on my Fridge. The initial charge was XXXX XXXX, 2015 and I disputed it on XXXX XXXX, 2015 and Eagle National Bank credited it back to my account. However, the company sent them a copy of the receipt and Eagle National Bank charged it back to my account. 

The complaint was not that it was not authorized, the complaint was they did n't repair the appliance and would not honor the guarantee. I have since bought a new fridge and want my money back to pay at least for part of the new XXXX! 
",,Consent provided,Web,2016-01-30,Closed with explanation,Yes,No,CR1765442,974
2016-01-30,Bank account or service,Savings account,Deposits and withdrawals,,"I put my money in XXXX XXXX XXXX XXXX. in XXXX XXXX, Mo., when XXXX XXXX was the president than he and my money was transferred to XXXX XXXX in XXXX XXXX Mo., where XXXX XXXX was also the Banks President. Now my money ( XXXX dollars ) and XXXX XXXX has disappeared. my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX 
XXXX XXXX 
",,Consent provided,Web,2016-03-11,Closed with explanation,Yes,Yes,CR1765621,4511
2016-01-30,Bank account or service,Checking account,Using a debit or ATM card,,"I XXXX 2015 I disputed a charge from XXXX in the amount of {$380.00} because I paid them to repair my fridge, and it was not completed correctly. I called Eagle National Bank on XXXX XXXX, 2015 and filed to dispute and they credited it back to my account on that same day. In XXXX they sent me a copy of the receipt XXXX had sent them stating the charge was valid because I signed. I never said I did n't make the charge - XXXX never made the repair good or honor their warranty. 
",,Consent provided,Web,2016-01-30,Closed with explanation,Yes,No,CR1765532,1578
2016-01-30,Credit card,,Delinquent account,,"In XXXX XXXX Eagle National Bank discontinued sending me statements and bills for a credit card I had with them. I had closed the account and was paying off the balance. Since I had many accounts at that time I really did not notice I was n't getting statements. I never received a single letter, phone call, or other notice that the account was delinquent. In XXXX of XXXX I discovered that they had charged off the debt and it was a huge blemish on my credit. I immediately contacted them, and requested copies of past statements and notices, as well as notifying them Imwanted to pay the debt. I never heard from them, nor did I receive any of the requested information. In XXXX I received a notice in the mail that they had cancelled the debt and I had to report the income to the IRS on my taxes. This is incompetence at best, and it has destroyed my credit rating. Eagle National Bank has made no effort to collect this debt despite my attempts to resolve this issue. 
",,Consent provided,Web,2016-02-01,Closed with explanation,Yes,No,CR1765668,4686
2016-01-30,Bank account or service,Checking account,Problems caused by my funds being low,,"In XXXX 2015, I used my bank card to pay for a hotel reservation and immediately requested a refund, because the provider could not accomodate with a closer location to a workshop I was attending. I asked the hotel to give me a refund and was told they could not refund me because the transaction was done through a third party. I then contacted my bank to do a chargeback. I filed XXXX claims with my bank and received a letter recently that they closed my account because of overdraft fees and would not refund my money from the transaction. The account is now in collection and my claims are closed even though I submitted the letter from the third party acknowledging the transaction. 
No one will give me my money back. 
",,Consent provided,Web,2016-01-30,Closed with monetary relief,Yes,No,CR1764598,2750
2016-01-30,Credit card,,APR or interest rate,,"Hello, This complaint is with Target Card Services [ Red Card Credit Card ]. I have contacted Target Card Services over the course of [ 5 ] consecutive years for the purpose of requesting a lower Apr, which at present still remains 17.6 %. Each year the response has been 'NO, we do not lower our rate for any person or reason '. When I explained to the Credit Service agent that I had contacted a Credit Management company in early 2015 about such possible service I was informed that an Apr of 7 % would be set for my Target Credit Card, the agent responded with 'then I would suggest that you use that company '. A Credit Management company can get 7 % but I, having a very good payment history and always paying much more than minimum amounts, can not ... I do not understand the indifference and total lack of cooperation. With a Apr of 7 %, as an example, I would be able to the current balance of {$3500.00} paid off within approximately 2 years. 
Any assistance would be greatly appreciated. 
",Older American,Consent provided,Web,2016-01-30,Closed with explanation,Yes,No,CR1765727,1412
2016-01-30,Credit card,,Closing/Cancelling account,,,Older American,Consent not provided,Web,2016-01-30,Closed with explanation,Yes,No,CR1765238,4797
2016-01-29,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank ( BofA ) has charged more than {$1000.00} in overdraft fees over the past two and half years, at {$35.00} each. This was on my business account, which usually has a large amount of transactions and I did n't realize it until today. 
After reading the law I discovered that I was supposed to have had the option to "" opt-in '' and that a default opt-in was not allowed. 
I contacted XXXX XXXX at BofA and he stated that there had been no wrong doing on the part of BofA, I was able to get XXXX XXXX to request that I opt-out but I was told the process takes 5-7 days for approval and that I would now be charged a Return Item fee of, {$35.00} for each item rejected. 
What started my research are the transactions that occurred overnight between XX/XX/XXXX and XX/XX/2016. 
At XXXX on XX/XX/XXXX I checked my account on my mobile device and it said I had {$49.00} in the bank and I went to the grocery store and spent {$46.00}. When I woke up in the morning I noticed that I had been charged {$70.00} in overdraft fees. I was shocked, because I had a positive balance of {$160.00}. This was after a deposit that occurred overnight of {$250.00}. When I talked to BofA they told me that the available amount reflected on my mobile device did not include processing transactions, and in my account history it shows that my balance was really {$37.00} at the time of the purchase and a XXXX draft came through for {$9.00} that caused the XXXX overdraft fee. 
This seems very deceitful. 
",,Consent provided,Web,2016-01-29,Closed with monetary relief,Yes,No,CR1763723,4355
2016-01-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank claims departments to request charge backs or disputes or frauds it 's such a hassle, then they say they are gon na do one thing and do n't or do the complete opposite. 
",,Consent provided,Web,2016-01-29,Closed with explanation,Yes,No,CR1763907,4044
2016-01-29,Credit card,,Customer service / Customer relations,,"I went into a local XXXX office to let them help me book a vacation. While I was there, they told me how wonderful the benefits were to have an XXXX credit card. I applied and received XXXX. We went to XXXX and were scammed while booking a sight seeing tour through XXXX in XXXX. This company was recommended through our hotel. As soon as I realized it was a scam, ( same day ) I immediately called XXXX because I had given this credit card number for reservations. I explained what happened and even told the XXXX representative that we never received any tickets from XXXX. We were told by XXXX that an employee would be waiting for us when we got off the ferry and no one showed up. I called them back and the lady at XXXX emailed me the directions on how to get to their office and told me no one was there to meet me like they were suppose to because it was raining. After walking around for about 2 hours trying to find the office, we realized they were just sending us on a wild chase. I called the lady back and let her speak with a security guard in the building XXXX was suppose to be in according to the lady. After this, the lady with XXXX stopped answering my calls. I immediately called XXXX and a representative took my information and placed me on hold to try to call the company with the direct number I had been calling. He came back and told me he worked in the fraud department and the voice mail was very unprofessional and they would not answer his call. He also told me that often times they will not answer numbers that show up like XXXX because they know something is up. He then told me that normally a fraud claim has to go through an investigation process but he was going to go ahead and deem it as fraud. He cancelled my credit card and told me he would prevent the transaction from going through and that XXXX would not get any money. I do have names and numbers of people I spoke with at XXXX if needed. This was suppose to be the end of this. It was ruled as fraud, my credit card was cancelled immediately, and the transaction was prevented from going through. A few months later ( XX/XX/XXXX ), I received a bill with a XXXX balance and a {$75.00} credit. I called XXXX about the credit and they deposited the {$75.00} credit into my bank account. In XX/XX/XXXX, I received a bill for {$1400.00}. I called XXXX again. I actually had to speak with XXXX different people to get something accomplished so I was on the phone for an hour if not longer to once again go through every detail step by step again. I was told again that it was fraud and that I did not owe it. He gave me a follow up code and I received an email saying that the case had been closed and gave me a XXXX Id number. It also has the person 's name I spoke with and his manager 's name in the email. I can provide all this information to you all if needed. In XX/XX/XXXX, I received another bill so after not getting anywhere with the phone calls that I had made, I just wrote a note on the bill I received in XXXX stating this was ruled fraud and that I did not owe this and they needed to check their records and to call me with any questions and I mailed it back to them. I never heard from anyone. XXXX XXXX, 2016 I received another bill from XXXX for {$1300.00} which was the XXXX charges again and also a late fee and interest being charged. I called XXXX once again and was on the phone for almost 2 hours. I had to keep getting transferred to different people and telling the same story over each time. I was hung up on and had to call back. I ended up speaking with XXXX different people and they all told me something different. I was even told it was never ruled as fraud. I told them I even had an email with a Case ID number and was told by a manager that he did n't know what that was and they do n't have Case Id numbers. 
",,Consent provided,Web,2016-01-29,Closed with explanation,Yes,No,CR1761802,4205
2016-01-29,Credit card,,Identity theft / Fraud / Embezzlement,,"Someone opened a Eagle National Bank credit card in my name, fraudulently, on XXXX/XXXX/XXXX, maintained the account for four months in order to increase the credit limit, ran up a {$5500.00} bill in the interim, and then stopped paying, after which Eagle National Bank promptly closed the account on XXXX/XXXX/XXXX. 

According to XXXX, "" According to our records, on XXXX/XXXX/XXXX Eagle National Bank # XXXX was deleted from your XXXX credit report per the police report you provided. On the same day, Eagle National Bank was notified the account was deleted. However, on XXXX/XXXX/XXXX, Eagle National Bank reinserted the account to your credit report ''. 

I did not open this account and I do not know who did. I 've faxed a copy of the XXXX XXXX XXXX Police Department 's Police Report along with a notarized I.D . Theft Affidavit to the bureaus and have attached them here as well. After repeated requests, the bureaus & Eagle National Bank refused to provide me with any information obtained from their investigation and with anything regarding their rationale for reinserting the credit item. 

I need the credit item being reported to the credit bureaus removed from my credit file immediately. 

I look forward to your response, 
",,Consent provided,Web,2016-01-29,Closed with explanation,Yes,No,CR1765156,3560
2016-01-29,Bank account or service,Checking account,Using a debit or ATM card,,"Recently, I filed a Reg E claim with my institution.There were several attempts to utilize my card at internet sites and on from XXXX XXXX has posted to my account, the others were rejected. Since filing this claim I have followed all steps directed from Eagle National Bank. I have filed a police report with my local police department ( City of XXXX Police Department case # XXXX ), only to be told that I must file a police report with another police department where items were sent utilizing my card information. 
The branch has told me there is no way for them to contact the fraud department to share information I have received about the fraudulent purchase. The items were sent to XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I am inclined to believe this fraud happened after my card information was compromised at a dealership after a legit transaction. I recently placed a hold on a vehicle at XXXX of XXXX which is only 20 min from the delivery address of the fraudulently purchased items. Additionally, the customer service department now tells me that it is my responsibility to seek a refund from XXXX XXXX and that I may have to wait for the bank to file a claim with XXXX. I have not even been given provisional credit and it seems that the bank is somehow not processing this Reg E claim as I suspected. I did not make these purchases, I have provided all pertinent information that has been requested and I feel like I am being given incorrect or additional steps that I am not sure is required of me. I really want the Bank to fully investigate and catch these thieves but I also would like for them to provide provisional credit during their investigation. I am willing to help the best way I can but it seems that some of the request are a little convoluted and actually are in sense beyond my control. 
",,Consent provided,Web,2016-01-29,Closed with monetary relief,Yes,No,CR1763044,2129
2016-01-29,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-01-29,Closed with non-monetary relief,Yes,No,CR1764273,2146
2016-01-29,Credit card,,Balance transfer,,,,Consent not provided,Web,2016-01-29,Closed with explanation,Yes,No,CR1763749,4132
2016-01-29,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-01-29,Closed with explanation,Yes,No,CR1763558,2658
2016-01-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-29,Closed with explanation,Yes,Yes,CR1763541,11710
2016-01-29,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-01-29,Closed with monetary relief,Yes,No,CR1765261,290
2016-01-28,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Dear : CFPB I need your help to solve this problem with Eagle National Bank ( EN ) I strongly believe that my right as a consumer had been violated and denied for too long with the negative and false report in my credit file from Bo A. In XXXX XXXX EN send me letter for collection and credit refund this process is conflicting with XXXX and the other. 

On XXXX/XXXX/XXXX I spoke to Eagle National Bank ( EN ) over the phone ( XXXX ) XXXX, XXXX, XXXX and transfer to XXXX in the billing department about the credit report of late payment and delinquency in my credit file, after I explained to him the error happened since XXXX XXXX told me that the report on all of my accounts will be correct and remove, and the credit bureau said it take about 30 days to get it correct. 

Today I went online to order my annual credit report and find that the late payment and the delinquency report was back in my files. I call XXXX and spoke to XXXX he said EN had made a final decision that the delinquency report stayed as is in my file. I requests to speak to XXXX in the billing department but was denied, how could I have a delinquency when EN refund a credit of {$61.00} to me plus all the late fees and interests was refund and correct since XXXX XXXX statements? 

I pay my bill in timely manner and paid as agreed, I did not paid minimum balance instead I paid full balance each billing cycle on all credit cards that I have with XXXX, XXXX XXXX, and Eagle National Bank for the pass several years, please verify this with other cards provider. 

Please I need your help and I requests for an investigation into this matter to correct and remove this false report that had destroyed my good credit for over a year. Thank you for all your help and understanding I am looking forward to hear from you. 

Respectfully, XXXX XXXX Ps : This matter concern the account # XXXX, XXXX ( last XXXX ) Attached documents already send through regular mail XXXX/XXXX/XXXX 
",Older American,Consent provided,Web,2016-01-28,Closed with explanation,Yes,Yes,CR1763008,4608
2016-01-28,Bank account or service,Checking account,Problems caused by my funds being low,,"I 've submitted a complaint before concerning Eagle National Bank 's "" Extended Overdraft '' fee. I was wondering if any regulations are in the works and exist to eliminate this outrageous fee. Eagle National Bank has decreased the time for having an "" Extended Overdraft '' from 2 weeks to 5 days. Eagle National Bank had a XXXX profit last year, plus having been bailed out by taxpayers, when will the government crack down on this bank? I 'm currently overdrawn by {$9.00}, which is my mistake and I 'm not arguing about the {$35.00} overdraft fee. However, for Eagle National Bank to charge a total of {$70.00} for a {$9.00} overdraft. When is the government going to crack down on this greedy bank? Thank you for taking the time to read my complaint. 
",,Consent provided,Web,2016-01-28,Closed with monetary relief,Yes,No,CR1761636,7043
2016-01-28,Bank account or service,Checking account,Problems caused by my funds being low,,"I have a bank account with EN where I have been a account holder for over 16 years, I have my mortgage and direct deposit with them. I requested overdraft protection with them on my regular checking to be funded by my direct deposit account, instead it was setup backwards, now I am not sure how it occurred but the bottom line is I have over a {$100000.00} dollars in cash and bills flowing through them every year. I guess I am so small that they need to charge me for fees that I should not have been charged for and then can easily tell me no we will not help you. I called on XXXX/XXXX/2016 to their help line and was told no we can not help you. I am going to begin to move my funds away from them ASAP but just wanted to file a formal complaint on a company that does not care about it 's customers. I know they see all of the cash flowing through my accounts and could have easily refunded the small {$35.00} fee. I know if XXXX folks ask for {$35.00} it 's XXXX but I am sure it is still a small amount compared to the XXXX they make and the salary of their CEO. 
",,Consent provided,Web,2016-01-28,Closed with monetary relief,Yes,No,CR1763127,4418
2016-01-28,Bank account or service,Checking account,"Account opening, closing, or management",,"We have been Eagle National Bank customers for well over 20 years and on XXXX XXXX, 2016 my entire family received letters individually that each of our accounts was going to be closed in 30 days with no explanation. It advised our account would be restricted in 21 days not stating what those restrictions would be and we had 30 days from the date of the letter which was XXXX XXXX, 2016 to make other banking arrangements. We have never had any inappropriate banking practices and have had several accounts throughout the years with no issues. So this comes as a complete shock to say the least! My husband and I have had our checking account for over 20 years and our daughters have had checking and savings accounts with them since the age of XXXX and they are now in their mid twenties. Upon receipt of the letters I immediately called the phone number on the letter and was not given the option to speak to a live representative. There was only a voicemail stating that if we received a letter that our account is closing its a business decision and no further explanation or reason will be given, so if we still wanted to leave a message regarding something else that could be done. I then went directly to our branch and spoke with the manager who was unable to give any information and stated that our accounts had no indication or notations that they were to be closed. She submitted an inquiry on our behalf, but with no resolution. A few days later I returned to Eagle National Bank to do some banking before the accounts closed and spoke with XXXX of the associates who assisted us quite often and advised me that our accounts were being closed because I deposit too much cash. I have a small business and receive checks and I can not afford for the checks to bounce so I cash them and deposit the cash to my accounts. After over 20 years as an account holder and no issues with our accounts I ca n't believe that Eagle National Bank would close all of our accounts without provocation or explanation. To further make matters worse we were told after 21 days our accounts would be restricted when actually they have been closed prior to the date stated in the letter. We have not been allowed to withdraw the remainder of our funds and that they will not release the funds and we have to wait for a cashiers check which wo n't be even processed for mailing until XXXX XXXX, 2016. We are not in a financial position to just have our funds sit while Eagle National Bank decides when they will release our money after treating us so poorly and unfair. My family and I have been loyal customers for so many years to Eagle National Bank and their treatment of us has been horrible. We have not been able to get any reliable information from anyone of authority and after being an account holder for so long I feel its the least they could do is explain this situation. I will never bank with them again or advise anyone else to bank with them either. They 're handling of this situation has been completely disrespectful and unprofessional! It is my hope that CFPB can do something to hold Eagle National Bank accountable for their mistreatment of customers. 
",,Consent provided,Web,2016-01-28,Closed with explanation,Yes,No,CR1762286,1210
2016-01-28,Credit card,,Late fee,,"Eagle National Bank Credit Card had a merchant dispute in XXXX for XXXX dollars ... 
Credit card is on an autopay bank payment mostly and is paid on time each and every month. 

XXXX received XXXX charge plus XXXX fee ... was upset with company because of fee charged for something that was in dispute ... never heard of fee charged .. paid charge and cancelled card the day the statement arrived ( before due date of autopay ). Due to extremely rude representative, i decided to cancel credit card and asked that it be noted at consumer 's request. One Day later reported to Agencies and my FICA score dropped over XXXX points .... is this even legal? It was not late, it was in dispute, i lost and paid rather than argue about XXXX dollars ... what really is frustrating is the next day they reported my payment was LATE. This is FRAUD. 
",,Consent provided,Web,2016-01-28,Closed with explanation,Yes,No,CR1762967,4054
2016-01-28,Credit card,,Other,,"XXXX I began my dealings with the XXXX, XXXX and XXXX XXXX in XXXX of XXXX. My initial $ XXXX was for the XXXX to develop and XXXX XXXX XXXX, a package that included a XXXX item list ( of items I would select from the drop ship vendors ), post those items on my XXXX account for me along with providing me a list of wholesalers to select the XXXX items to be listed. The XXXX did develop a logo, they did provide a list of drop ship wholesalers that I could select items from. 

The stated promise was that all the items I selected would be listed on XXXX in time for XXXX and XXXX/XXXX XXXX buying periods. 

The person I was working directly with was Agent : XXXX XXXX and during these stages of the process she provided good service. 

On XXXX XXXX, XXXX I paid an additional {$490.00} for a website to be developed, which was completed. 

On XXXX XXXX, XXXX, I provided XXXX with a list of wholesale vendors an a list of the products I had selected from each vendor. Finally in XXXX of XXXX, XXXX of the XXXX items I had selected were posted. This meant that I missed all of the high level buying periods of XXXX XXXX XXXX, XXXX XXXX, XXXX, and then in XX/XX/XXXX I missed the high buying periods of XXXX. 

During all of this time from XXXX XXXX through about XXXX of XXXX I was continually calling and be assured that my listings would be up soon. I believe that XXXX of the XXXX items I selected were finally listed in XXXX in XXXX of XXXX. 

It should be noted that throughout the above period I asked for my money back and was smooth talked into trusting the XXXX by XXXX XXXX XXXX of things getting better. 

In XXXX of XXXX, XXXX convinced me that the XXXX had developed a better procedure for listing items and that the XXXX would select the items, post them to XXXX and then provide me a list of the items along with their associated drop ship wholesaler vendor. Plus he would increase my item listing total to XXXX and I would have automatic seasonal updates that would start with the XXXX 's XXXX, Graduation and XXXX XXXX for a cost of {$3000.00}. I decided that was a good deal since the XXXX would be doing all of the leg work so I paid the {$3000.00}. 

XXXX XXXX further conned me into spending another {$1000.00} on XXXX XXXX, XXXX for what I do not even remember. 

About this time I began asking for contracts to explain everything I had paid for with the {$3000.00} and {$1000.00}, and XXXX XXXX kept promising that he would get something written up and email them to me. It should be noted that XXXX XXXX never sent me anything and actually stated to me in XXXX of XXXX that he does not do contracts. 

I continued to work with XXXX XXXX, responding to every email about needing information from me to be able to post the times she had selected to XXXX. I responded to every email by providing 3 and 4 hour time windows on multiple days ( since I work part time and I was not available all the time ). XXXX failed to respond many time and I would have to give her another schedule for the next week ( as I only got my work schedule on Friday of each week ) When, XXXX, would respond back with a time she would fail to keep her agreed to time and I would have to start the scheduling all over again. This process ended up happening multiple times, During this process I was continually talking to XXXX XXXX and he would assure me things would be posted soon. 

The facts are that the listing was sent to me on XXXX XXXX, XXXX for my approval, which is over 60 days past all of the seasonal high buy dates of XXXX, Graduation, XXXX and XXXX. I reviewed the list which was only about XXXX items ( far short of the promised XXXX items ). I approved the short list right away and gave my approval to post the items and also questioned whe 
",,Consent provided,Web,2016-01-28,Closed with explanation,Yes,No,CR1760319,685
2016-01-28,Credit card,,Late fee,,"I am disputing a {$19.00} late charge from fred Myers jewelers platinum preferred Master Card # XXXX XXXX XXXX XXXX. 
My payments are due the XXXX day of every month. In order not to be late with my payments I have arranged with XXXX bank to withdraw my monthly payments from my account in a timely manner so that the credit card company will receive payment on or before the due date. Apparently in XXXX the payment came late. 
I have disputed this with XXXX bank as well and after looking into this case, XXXX bank has assured me that they send the payment to the creditor in plenty of time for them to receive the payment and will not take responsibility for the late charge. 
I have called and spoken to customer service several times and they refuse to refund the {$19.00} saying its the banks fault, the bank says its the creditors fault. 
I am very frustrated since I always pay my bills on time and do everything possible to avoid late charges or missed payments and feel that I have been wrongly penalized. 
",,Consent provided,Web,2016-02-04,Closed with monetary relief,Yes,No,CR1763336,258
2016-01-28,Credit card,,Other,,,,Consent not provided,Web,2016-01-28,Closed with explanation,Yes,No,CR1762398,3580
2016-01-28,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-01-28,Closed with explanation,Yes,Yes,CR1762507,3450
2016-01-28,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-02-18,Closed with explanation,Yes,No,CR1759779,24
2016-01-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-28,Closed with monetary relief,Yes,No,CR1763035,6052
2016-01-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-01-28,Closed with monetary relief,Yes,No,CR1762587,3286
2016-01-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,Other,Web,2016-01-28,Closed with non-monetary relief,Yes,No,CR1760800,1484
2016-01-27,Bank account or service,Checking account,Problems caused by my funds being low,,"I did not opt into any plan and have the transaction immediately rejected by the merchant if the account lacks sufficient funds. This is the default setting when a bank account is opened, and no fee is incurred by a rejection of the transaction. 

I was charged {$120.00} this month for a {$2.00} overcharge. 
",,Consent provided,Web,2016-01-27,Closed with monetary relief,Yes,No,CR1759883,3552
2016-01-27,Bank account or service,Checking account,Problems caused by my funds being low,,"My deposits and money in my account should cover all expenses. XXXX check that i deposited was unable to be processed by the bank due to "" connectivity errors '' by the app. I get a overdraft fee, which I thought was illegal for banks to make money off of fees. And now my account is negative because Eagle National Bank keeps charging more extended overdraft fees. This would n't be a big deal but I have no money and I live paycheck to paycheck. So my check is enough to cover my apartment and living expenses but not extended fees that will keep occuring and continue to push my account further into a negative balance because I am unable to pay for them. I call Eagle National Bank to see if I can have these fees removed and they say "" These fee 's were properly placed. '' I feel like I have no power over this situation and I stress and I ca n't eat because I am thinking about how I am going to afford next months rent. 
",,Consent provided,Web,2016-01-27,Closed with monetary relief,Yes,No,CR1758307,12729
2016-01-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,"My husband and I a joint checking account at Eagle National Bank, in XXXX, VA. The Bank allowed one of our check payees to cash the same check twice. In fact, the Bank allowed this payee to do this five different times, over a four-month period, for a total of {$1900.00}. I have the supporting documentation, including the record of the checking account debits and the duplicate check images that the Bank included in our checking account statements. I called the Bank 's fraud department today. The first person said it is not possible for a check to be cashed twice ; the system is designed to catch that. When I presented her with the evidence, she transferred me to the Bank 's check fraud department. The woman there said that because I wrote the checks in question, that was not fraud on the Bank and that I would have to go to the police to get my money back. When I told her that I was a lawyer and gave her the definition of fraud, she took my information and said that the Bank would be sending me the forms to file a claim, which would be reviewed by a claims analyst. She said I would get the forms within seven to ten business days. She suggested that I might want to close my account. I will file the claim, and I will get my money back. But I am appalled that Eagle National Bank 's system allows the same check to be deposited twice. I am also appalled that neither of the Bank 's fraud department representatives appeared to view this as a serious customer security problem and that neither representative appeared interested in following up on the systems security issue. The woman in the check fraud department surmised that the payee had first deposited each check using a mobile app and then later deposited the hard copy of the check in an ATM. The checks were cashed in different check statement periods. So, the Bank 's representative working in the check fraud department believes that it is possible for a payee to deposit a check using a mobile app and then later to deposit the hard copy of the same check. But she apparently does n't think that is a serious security systems problem!!! 
","Older American, Servicemember",Consent provided,Web,2016-01-27,Closed with monetary relief,Yes,Yes,CR1759978,2798
2016-01-27,Bank account or service,Checking account,Using a debit or ATM card,,"Some XXXX made a duplicate copy of my debt card and made purchases in todays of a total of {$450.00} in XXXX, Texas. My bank contacted me to inform me of the fraud activities and I put a claim in to get my money back. I also cancel the card are will change my pin once I receive the new XXXX. 
",,Consent provided,Web,2016-01-27,Closed with monetary relief,Yes,No,CR1761212,834
2016-01-27,Credit card,,Closing/Cancelling account,,"Customer service inability to understand NY State fair credit reporting act and credit reporting time period. XXXX BofA employees could not help me. Opened credit card in XXXX XXXX and closed in XXXX XXXX. In my home state of NY I noticed the account was still reporting to all XXXX credit bureaus as a paid charge off after five years from date of first delinquency. This is a violation according to the credit reporting time period in NY State. The NY Fair Credit Reporting Act states that any paid charge off must be removed after five years from date of first delinquent. Eagle National Bank refuses to acknowledge that my DOFD is XXXX XXXX. They have it reported as XXXX XXXX, which makes no sense if the charges related to the charge off caused my account to close in XXXX of XXXX. 30 days late in XXXX XXXX then 60 days late in XXXX which led to account closure. How can I use a card in XXXX if it was closed in XXXX? The representatives at EN had no clue what I was talking about and referred to the standard 7 years plus 180 days that a charge off must remain on my credit reports. Once I had escalated the issue to Managers, they wanted to try and help. They were kind, but repeatedly put me on hold and had to speak with someone else. Once they realized it should be removed they recommended I dispute the item with the reporting credit agency. This is what I did and all disputes came back as verified with EN. Essentially, verifying that my DOFD was XXXX XXXX, I figured I would try again and failed again until XXXX recognized the error and removed from my credit report. XXXX XXXX and XXXX refuse to remove because EN will NOT report my DOFD accurately. After more phone calls and reaching XXXX XXXX he told me he would call me back personally and get to the bottom of this. Surprise, he NEVER called back and I had to reach out again. When he finally had an answer for me he told me their was nothing he could do except give me an address to the Executive Office. I had requested a complete account history, records of all activity, payments, collection attempts, charges added for collection attempts. The only information provided to me was a list of my statements from XXXX XXXX to XXXX XXXX. A letter enclosed, stated these are the best quality copies we have available. Another letter from EN stated that -this account is reporting as being charged off on XXXX XXXX, XXXX, this account is reporting with a zero balance. Unfortunately, that is not the information I was inquiring about. The NY FCRA starts from the DATE OF FIRST DELINQUENCY, not the charge off date. All of this because of a {$30.00} paid charge off, which would have been paid in full if they actually sent it to the correct address. The card was stolen from me by a family member and charged it up without my knowledge. Hence, the charge off. Everything about this card and dealing with EN and it 's associates has been a disaster. I have disputed the DOFD with XXXX and XXXX XXXX now several times. They will not change unless EN reports the information correctly. 
",,Consent provided,Web,2016-02-01,Closed with explanation,Yes,Yes,CR1760337,4543
2016-01-27,Credit card,,Other,,"I was checking out what was involved in starting a website when a person solicited me over the telephone. I was told if I had certain qualities I would be able to enter a special program to help me start an online business. It turns out that the special quality was if I had the money. On XXXX XXXX, 2014 I was contacted by a company called XXXX XXXX XXXX, XXXX. I was told I could earn a significant amount of money by working from home. I was sold supposed "" Educational Products and Services '' on XXXX XXXX for {>= $1,000,000}. This alleged service was intended to guide me on building an XXXX business online and sell products on XXXX. 
XXXX XXXX XXXX, XXXX verbally promised over the telephone that I would be learning this "" XXXX '' business because of there assistance. I was told I would receive weeks of coaching but the company failed to provide anything in writing that explained the coaching process. After numerous phone calls I finally received a phone call from a gentleman named "" XXXX ''. This individual informed me that he would assist me during the coaching process. The coaching process only lasted a short period of time before it became impossible to reach anyone on the phone. After a few phone calls from my alleged coach I immediately became suspicious that I was involved in a scam. Everything that I was originally told from XXXX XXXX XXXX, XXXX was a complete lie. 
It was now evident to me that I was involved in an online business opportunity scam. I tried everything in my power to contact XXXX XXXX XXXX, XXXX. All phone calls went to voice-mail and were never returned back to me. I even realized that this company was operating from a XXXX XXXX not an actual business location. As of today no contact has been made with XXXX XXXX XXXX, XXXX. They never provided any "" Educational Products '' or "" Services '' to date. I urge you to please try and contact them to help me resolves this issue. 
I consider a full refund to be a fair resolution with XXXX XXXX XXXX, XXXX. I did not receive the products and services that were described to me at the time of purchase. I have attempted to resolve this issue with the company directly, but they continue to ignore all request. The invoice that I have has no terms of agreement or show what services were to be provided. During this period of time I was on medical XXXX and was looking for an opportunity to work from home. From initial point of contact I was verbally guaranteed to make sales/profits. Before I loss all communication I attempted to go and meet them personally and learn the business hands on. They repeatedly refused and would not provide me with a physical address. I paid this company and they completely disappeared. I have received absolutely nothing and my bank will not assist me. 
",,Consent provided,Web,2016-01-27,Closed with explanation,Yes,No,CR1760435,1154
2016-01-27,Bank account or service,Checking account,"Account opening, closing, or management",,"On the year XXXX, I had an overdraft account of {$520.00} with XXXX Bank Acct # XXXX now its named Eagle National Bank. 
In XXXX I attempted to open a checking account and was unable being that I was added XXXX. 
I am aware that I have to pay my debts but I read that being that this debt is more than 15 XXXX old Eagle National Bank should not have reported me to XXXX. I am in the process of filling Bankruptcy and not sure if this presently should apply. 
I am sending this complaint for you to be aware that Eagle National Bank has made it quite difficult/impossible for me to open a checking account which presently I do not have, And possibly have done this to others. 
I have attached the original Collection Agency notice of my overdraft at XXXX Bank in XXXX. 

Thank you! 

. 
",,Consent provided,Web,2016-01-27,Closed with explanation,Yes,No,CR1761056,530
2016-01-27,Bank account or service,Checking account,Problems caused by my funds being low,,"What happened was about a little over 2 years ago right before thanksgiving I had an attorney trust account at Eagle National Bank under the name XXXX XXXX, XXXX. trustee. I also opened a new business account for XXXX with the ein number of XXXX. I had received a debit card for both accounts. my attorney trust account was the account i has all my money in. however, i received a call on a late Thursday or Friday afternoon that my attorney trust debit card had been canceled from ny where i opened the account, but the debit card was issue at my home branch in XXXX, fl. due to this I had no money and was not able to go to the bank until Saturday night or Sunday. The reason the banker called from ny was that is was improper for a trust account to have a debit card which i was using at all the td branch banks in XXXX and XXXX with the bankers knowing the debit card came to my attorney trust accocunt. After that, Saturday night i had become XXXX and i had become destitute and was without any money for lodging, gas, and so forth. i called one of the customer service from my phone, the call got escalated and I was helped by a gentleman who authorized overdraft protection for my XXXX account. I went to bank a few times on the overdraft suggestion of this banker. That solution did help me take out money, however I took out money a couple times and the next few days I saw lots of overdraft charges. I called the customer service and they denied me any credits for the bank canceling my card and forcing me to overdraft my account to have money instead of being destitute and have charges. I went to the branch where I opened the account and continuously got the run around and no answers about rectifying the overdrafts and was treated in such a disrespectful way. After that I did not pay anything I owed the bank on that account since they would not rectify the overdraft charges since they incorrectly or illegally issued a debit card to a trust account. Shortly after this, I ended up having some family and personal issues which I directed my attention to and had in mind to try to write the cfpb about this issue since I had on XXXX previous occasion had written the cfpb and had a positive outcome. Now, twice in the past couple weeks I have gone to my home branch and other branches to try to resolve this issue and put that account into good standing. I have no success in resovling this issue when speaking to any of these bankers at any of the branches I inquired including my home branch. Today on XXXX XXXX, 2016 I went one last time and asked at my branch in XXXX, fl about trying to look up this account and fix this issue. The branch manager took my number and said she would call me to follow up today. I had never received a call from this branch manager lori today and it just follows their protocol of being negligent and not caring about their customers. 
I am requesting that this account be opened back up, put in good standing, and any fees that were paid for overdraft charges in this chevy river warehouse, llc account be credited back to the bank account, and in addition the bank should clear my name from check systems or any other flag they put me on or my business accounts. 
Thank you for your time in advance, Yours Truly, XXXX XXXX XXXX If you need to contact me please fee free at XXXX XXXX XXXX 
",,Consent provided,Web,2016-02-02,Closed with monetary relief,Yes,No,CR1761360,3670
2016-01-27,Bank account or service,Checking account,"Account opening, closing, or management",,"Y bank Eagle National Bank charged me enormous overdraft fees I did not sign up for this service 
",,Consent provided,Web,2016-01-27,Closed with explanation,Yes,No,CR1757680,3272
2016-01-27,Credit card,,Closing/Cancelling account,,"I have a XXXX credit card issued by Eagle National Bank with a credit line of XXXX dollars and a current balance of about XXXX. I never have a late payment on this card or in any account. My credit score is XXXX mostly because is not not old, only 7 years. I just received a notification for Eagle National Bank informing that because they are ending the credit card relationship with XXXX, my account will be close. How much that will be impacting my credit score specially now that I 'm about to apply for a mortgage. I have been fulfilled my obligation but apparently that means nothing for them. 
",,Consent provided,Web,2016-01-29,Closed with explanation,Yes,No,CR1761041,2907
2016-01-27,Credit card,,Billing disputes,,,Servicemember,Other,Web,2016-01-27,Closed with explanation,Yes,Yes,CR1759362,6844
2016-01-27,Credit card,,Other,,,,Consent not provided,Web,2016-01-27,Closed with explanation,Yes,Yes,CR1761113,2640
2016-01-27,Credit card,,Other,,,,Consent not provided,Web,2016-01-28,Closed with explanation,Yes,No,CR1759890,2896
2016-01-27,Credit card,,Other,,,,Consent not provided,Web,2016-01-27,Closed with explanation,Yes,No,CR1759663,2
2016-01-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-27,Closed with explanation,Yes,Yes,CR1758438,474
2016-01-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-01-27,Closed with explanation,Yes,No,CR1760872,7150
2016-01-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-01-27,Closed with explanation,Yes,No,CR1760168,3945
2016-01-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-01-27,Closed with monetary relief,Yes,No,CR1760488,13923
2016-01-27,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-01-27,Closed with explanation,Yes,Yes,CR1760537,2085
2016-01-26,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank continuously charges impoverished people like me XXXX overdraft fees. I struggle to cover them. They keep charging the fees to keep the account balance negative in order to charge more fees. I have paid over {$100.00} this month in fees alone. On XX/XX/XXXX, I went to an ATM to put cash in to cover an overdraft. The ATM would not take cash. On XX/XX/XXXX, I went to a different Eagle National Bank to deposit money to cover the overdraft. I did so. On XX/XX/XXXX, they charged me an extended overdraft fee anyway, simply dating it XX/XX/XXXX. They refuse to remove these fees. I am trying to care for a XXXX parent, and I do n't have much money. Yet Eagle National Bank makes {$100.00} in fees off me every month, at least. They charge fees on their fees. They foster a negative balance to get more fees. This is a racket. 
",,Consent provided,Web,2016-01-26,Closed with monetary relief,Yes,No,CR1758525,1096
2016-01-26,Bank account or service,Checking account,Deposits and withdrawals,,"I 'm very frustrated with Eagle National Bank my husband checks are deposited by weekly and he has the same amount and they do n't want to process my husbands checks because they said to me the check images were bad but that was completely not true and then they said their is a problem with my husbands boss ' bank which is also untrue and come to find out after a 4-5 days the checks go through and the money gets deposited. I recently started working and they are also doing the same thing to me they do n't want to deposit my money until 4-5 days later during this time my bills wo n't get paid on time, I ca n't buy food because we do n't use credit cards we use our bank card or cash, my family needs to eat and buy necessary items that I ca n't buy and my babysitter is n't getting paid or my house is n't getting paid. I 'm a loyal customer to EN and I have to pay overdraft fees every other week because EN wo n't credit my checks to my account my over draft fees are now XXXX and counting last time I paid XXXX which happened daily. I do n't want to leave EN but will do so if my overdraft fees are n't refunded and my checks are cleared by weekly I ca n't afford to give away my hard earned money to EN this is n't fair to me or my family or to my bills or things I need to buy and my family is n't happy with me and wants these issues with my checks and overdraft fees resolved as I do. I never been so upset and I want to deposit my checks and EN wo n't let me all of my coworkers are n't having this problem and my husband who is working for the same employer for more than 2 years never had a problem until XX/XX/2015- and currently. Hopefully you can resolve my issues and EN starts checking my checks properly and never overdrafts me ever again because of you help. I do n't know what to do anymore and tirelessly called but no care in the world from EN and feel helpless that 's why I 'm turning to you for help because I do n't know what more I can do if I know this is injustice but EN does n't properly check their customers checks. 
",,Consent provided,Web,2016-01-26,Closed with monetary relief,Yes,No,CR1759406,1780
2016-01-26,Bank account or service,Checking account,Problems caused by my funds being low,,"I disagree that I am being forced to Bank on east coast time, time and time again I do not believe I should have to place deposits in by XXXX, if that 's the case then the atm 's should not work after that. I am being charged again for fees. I have a deposit slip showing the money was put in the account & would cover what was needed. If I can put money in the account "" Pst "" time then it should count 
",,Consent provided,Web,2016-01-26,Closed with monetary relief,Yes,No,CR1759171,4319
2016-01-26,Bank account or service,Checking account,Problems caused by my funds being low,,"I have been a client with Eagle National Bank since XX/XX/XXXX. While I was and am a loyal client I was granted the opportunity to work with them in XX/XX/XXXX. During the employment process they encourage all new employees to change over to an XXXX XXXX account. Given the "" perks '' of the account I upgraded. 

I became employed with another financial institution in XXXX and went about my normal life. I logged into my account today in XX/XX/XXXX and noticed I was being charged a {$25.00} account maintenance fee so I immediately contacted EN and was informed I had been charged this fee since XX/XX/XXXX because my "" fee waiver expired. '' I received no notifications and being that I have not been employed there in over 2 years why I am I being charged a fee now without notification. They advised me that they could only waive this months fee but I want all fees from XX/XX/XXXX-XX/XX/XXXX to be refunded. 
",,Consent provided,Web,2016-01-26,Closed with monetary relief,Yes,No,CR1759378,2279
2016-01-26,Bank account or service,Checking account,Using a debit or ATM card,,"I lost my ATM Debit Card and requested not just XXXX card as a replacement, but I requested XXXX cards. I am a senior and a veteran and due to my medical condition, I need XXXX cards. Eagle National Bank said they were unable to provide me with XXXX cards for my account. 
",Older American,Consent provided,Web,2016-01-26,Closed with explanation,Yes,No,CR1757128,5722
2016-01-26,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX/XXXX/XXXX I lost my debit card and drivers license. A week later I noticed activity on my account. I went to my bank and they filed a claim for me, cancelled my debit card and ordered me a new XXXX. On XXXX/XXXX/XXXX, I received XXXX letters stating that they had completed their investigation and the charges were valid. I called customer service and what an ordeal that was!! I was transferred around and back and forth to different departments for over 2 hours. Not XXXX rep knew what they were doing or where to send me. Finally I spoke to a manager and her said he would help me resolve this. Apparently, someone deposited fake checks totaling {$1800.00} from XXXX XXXX bank into my account. In the time that it took them to find out they were fake there were several withdrawls made, a purchase and even a fake check from my account that was cashed at an ATM that has a live teller on a screen that processes transactions. I did n't even know they had those. All of these transactions were done in XXXX. I live in XXXX and have not been XXXX. After explaining this numerous times the manager, XXXX said he would file the claims for me and get this investigated. I called today, ( XXXX/XXXX/XXXX ) to check the status and I called the phone number XXXX had given me to use. The rep told me he did n't have any claims on file. He sent me to a different department and that rep told me that my claims had been resolved and I would receive a letter in the mail. I asked her what they said and she stated that the charges were valid and the investigation was closed!! Not only has my account been compromised, I ca n't access my direct deposit from my employer because it 's gone, but there are people out there that are creating fraudulent checks and cashing them, using a debit card that they did not have a PIN to that also has a chip, and the are creating checks from my account and cashing them! Eagle National Bank did not care that this was happening. This is the reason consumers end up paying high fees for bank services but not XXXX of Eagle National Banks employees knew what to do or took it seriously. Looking at my account you can clearly see what happened if anyone took the time to look at it. 
",,Consent provided,Web,2016-01-26,Closed with explanation,Yes,No,CR1758114,1679
2016-01-26,Credit card,,Billing statement,,"I have multiple promo rate balances, at different rates and expiring at different times. The last XXXX statements, beginning with my XXXX statement, Eagle National Bank stopped reporting the balance owed under each promo rate plan. I called customer service after the XXXX statement and was told it was probably just a glitch, as they had just switched over their system. Today, I chatted them online, and they told me their new policy is that they "" no longer include the balances for the promotional offers on our statements. '' I informed them I believed that was illegal, and I would contact CFPB. 
",,Consent provided,Web,2016-01-26,Closed with explanation,Yes,No,CR1757848,1308
2016-01-26,Credit card,,Balance transfer,,"My husband and I decided to sign up for a Eagle National Bank 0 % interest balance transfer credit card. Terms were 0 % interest till XXXX XXXX on all balance transfers made within first 60 days. We applied and were were approved for XXXX limit and set up for a XXXX balance transfer. This was XXXX, XXXX after about 2 weeks the credit cards came in the mail, we called and activated them. At the same time time spoke with EN rep and asks why balance transfer had not happened. I was informed EN does not have an electronic banking relationship with my current card holder, and they would re submit it and mail a check. After another XXXX weeks went by and no communication from EN or transfer I called back, At this point EN advised they sent the check to the wrong place, and it would have to be put through a third time. Frustrated as it was now XX/XX/XXXX made sure they had my banking info. almost 2 weeks and no communication and no transfer, I contacted EN XXXX to see what was going on because as life so happened I needed to use the card by this point since I was n't able to transfer the balance from the other one. I believe the excuse I got this day was they had my card number incorrect and they needed to mail us paperwork to sign. After another hour on the phone trying to set up the transfer we lessened the original amount since I needed to use the card she said she figured out the difference and the fee and would request it. After XXXX more weeks passed and consistently watching the accounts say pending transfer, it was not pending any longer and no transfer had been made and we received no correspondence from EN. The next week was very busy in our everyday lives but then my husband attempted to use the EN card since all funds were still available and it was declined at the store. Upon finding this out I contacted EN XXXX XXXX to find out they did not complete the transfer because they never corrected the transfer amount from the previous conversation and attempted to transfer more funds then available. When I asked EN rep why then was my husbands purchase declined, EN rep informed us they froze the account because we had XXXX over due from XXXX. ( we still had not received any statement or mail from EN ) Highly upset I asked to speak to a supervisor. Supervisor from EN stated they could n't do anything with account till XXXX was paid. I instantly paid the fee. I told EN supervisor what had been occurring and how they planned to fix the situation since now the 60 day 0 % balance transfer period was over. He assured me that once the XXXX payment posted on the account Monday XXXX XXXX, I could call in and EN would make it right. He said they had even better promotions going on and could even credit back interest from the past few months since EN did not complete what they were suppose to. EN supervisor stated he could not set it up at this time until XXXX payment posted, and when I call Mon ask to be esculated to a manager and it would be taken care of. Well Monday XXXX XXXX I called EN once again to resolve issues and after being transfered to XXXX or XXXX people the supervisor in the EN credit analysis supervisor came on the line and continued to informed me the time period was up and there was nothing they can do for me at this time. She proceeded to tell me it was my fault because I used the credit card and therefore did not have enough funds to complete the initial amount they put into the system. I had her look over account asked her to listen to calls and stated if they had set up the transfer correctly the first 4 times I would n't have used it, and I called and changed the amount after I did. Just kept reading her script over and over that she was sorry and there was nothing that could be done. No transfers, no 0 % interest. I told her EN never even had us sign anything. 
",,Consent provided,Web,2016-01-26,Closed with non-monetary relief,Yes,No,CR1757172,2050
2016-01-26,Credit card,,Advertising and marketing,,"My husband and I have reached a hardship with are income and we have gone to are creditors to reduce payment by lowering the interest rate. All of them have agreed. Except Eagle National Bank. They have refused to lower the interest and sent me to an outside source who also will not help me.I am XXXX years old and it has very difficult talking to the bank, they have not been helpful, they are confusing and their tactics are intimidating. And extremely disappointing since I have been a customer for over a decade. Their letters are false and deceiving, and they have strung me alonging saying they are here to help. They have destroyed my credit rating, and my XXXX is now in jeopardy. XXXX XXXX 
",Older American,Consent provided,Web,2016-01-26,Closed with explanation,Yes,Yes,CR1756110,1624
2016-01-26,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"I paid off my Eagle National Bank overdraft protection in full as stated online. Thursday XXXX/XXXX/2016 I checked my account Monday XXXX/XXXX/2016 and found I had remaining balance of XXXX I paid that amount only to find the same day another XXXX was tacked on after I made the required payment. This has happened on multiple occasions. It is a rip off of peoples money. If a payment is made the bank should not be allowed to ask for more money than originally requested on multiple occasions. I have even called the bank previously to get the amount owed. It was told to me and I paid it only to find the same thing happen. Eagle National Bank is robbing people. 
",,Consent provided,Web,2016-01-26,Closed with explanation,Yes,No,CR1758513,2208
2016-01-26,Credit card,,Privacy,,"I received a Eagle National Bank Privacy Policy Disclosure for my Target Red Card. Offered is the option to call XXXX to opt out of "" opt outable '' sharing. It is an automated system. I firmly believe it was designed to be difficult to understand what/how to opt out of sharing. After I pressed XXXX, XXXX and XXXX the line was disconnected. I then called Target Customer Service regarding this. They did opt me out of sharing personal information I am able not to share. I advised I believed the automated system was purposefully misleading. 
",,Consent provided,Web,2016-01-26,Closed with explanation,Yes,No,CR1757302,1277
2016-01-26,Credit card,,Rewards,,,,Consent not provided,Web,2016-01-26,Closed with non-monetary relief,Yes,No,CR1757243,2840
2016-01-26,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-01-26,Closed with monetary relief,Yes,No,CR1756577,1548
2016-01-26,Credit card,,Other,,,,Consent not provided,Web,2016-01-26,Closed with explanation,Yes,No,CR1758561,3479
2016-01-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-02-17,Closed with explanation,Yes,No,CR1758896,1637
2016-01-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-01-26,Closed with explanation,Yes,No,CR1757662,4461
2016-01-25,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I have recurring bill payments being handled by Eagle National Bank being set to XXXX. Beginning XXXX/XXXX/XXXX payments were made by bill payment every two weeks and sent by corporate check ; XXXX payments to be exact. For other payments in my bill payment with Eagle National Bank since I because a customer all my non-electronic payments made via bill payment were made by corporate check. My payment scheduled for XXXX/XXXX/XXXX to XXXX was made by personal check drawn on my XXXX. This action was taken with out notice to me, causing me harm. In my option this was a calculated action of the part of Eagle National Bank to cause myself and other customers harm. The action is a deliberate move on the part of the bank to increase NSF fees which are probably dropping due to the increase use of electronic payment and the drop in personal checks being written. Although their bill payment agreement says that they have the right to send by electronic, corporate check or personal check, the established delivery method over years with the bank voids this and requires that they provide proper ADVANCED notice to me as a consumer. I have been harmed by this negative action and forced to spend additional funds to purchase adequate software to maintain a proper check register because I can no longer rely on the on line banking function provided by the bank to know my balance. I do not write checks out of my account, I do not own any checks for this account. The actions taken by Eagle National Bank are discriminatory and predatory because they adversely impact on lower income customers who maintain low balances. The fees charged have a greater impact on customer like myself who can lest afford to have to pay these fees. According to my XXXX records all my payments scheduled for XXXX/XXXX/XXXX will be going by personal check they are no longer doing electronic payments even. 
",Servicemember,Consent provided,Web,2016-01-25,Closed with monetary relief,Yes,No,CR1757453,2054
2016-01-25,Bank account or service,Checking account,Problems caused by my funds being low,,"In XXXX XXXX My checking account with Eagle National Bank was closed and reported to XXXX and XXXX due to an extended period of being overdrawn for {$190.00}. In XXXX of XXXX the total amount of {$190.00} had been paid to XXXX XXXX XXXX, the collection agency that had been assigned by Eagle National Bank to collect the debt. As Of XXXX XXXX Eagle National Bank states that their records indicate a balance is still owed on the account for {$150.00} and only XXXX payments of {$20.00} were received six months apart. I have contacted XXXX XXXX XXXX and was told that they no longer have records of an account and I would have to contact Eagle National Bank, contacted the bank as instructed and was again told to I would need to contact the collection agency to have them to verify and send updates to Eagle National Bank. 


The problem I 'm having is Eagle National Bank says they ca n't contact XXXX XXXX XXXX directly and the collection agency states they no longer have records of an account and I will have to contact the bank. I have made several attempts to get this issue resolved since XXXX and all I get is the bank stating there is still a balance owed on the account and you need to contact the collection agency and the collection agency rep. stating there is no record available in the system and will have contact Eagle National Bank. 


I have also disputed the account with XXXX and XXXX XXXX XXXX and their response is we have verified the account as reported. 
",,Consent provided,Web,2016-01-25,Closed with explanation,Yes,No,CR1756548,958
2016-01-25,Bank account or service,Checking account,Problems caused by my funds being low,,"My account was in a positive balance. XXXX transactions which were to occur the previous day were applied by Eagle National Bank and XXXX overdraft charges were made with a total amount of {$140.00}. I deem this activity to be unlawful. After contacting Eagle National Bank customer service on XXXX/XXXX/2016, I was informed that the fees can not be waived and that I am unable to close my account which I had also requested during this phone call. 
",,Consent provided,Web,2016-01-25,Closed with explanation,Yes,No,CR1755860,4765
2016-01-25,Bank account or service,Checking account,"Account opening, closing, or management",,"On Tuesday, XXXX XXXX, 2015, Eagle National Bank 's Risk Management group closed my checking account for being overdrawn. The checking account was not overdrawn at the time. On that day, they refused a wire transfer deposit, refused a deposit at a branch, refused to provide any access to the account citing the closure by Risk Management. 

I spoke with various departments of the bank about the closure. Several people including the Debit Credit Card fraud and dispute department acknowledged the bank had made an error. They confirmed the account was not overdrawn at the time of the closure. 

The mistake occurred because the bank has certain automated tellers which accept large cash deposits, however because these tellers do not exist system-wide, there is not a method for operations to check if a large cash deposit has been made. Instead, the system assumes all teller deposits are pending. I made a {$1200.00} cash deposit at a teller and my receipt and my available balance shows the cash is available immediately. 

I have attached a copy of the bank statement which also indicates my account was not overdrawn at the time of the closure. Because the bank closed the account effectively on XXXX XXXX, XXXX, and refused my deposits the account was overdrawn on the next day XXXX XXXX, XXXX. 

Tha bank reported me to credit bureaus and this prevented me from being able to open a normal checking account as well as creating an adverse effect on my credit. 
",,Consent provided,Web,2016-01-25,Closed with explanation,Yes,Yes,CR1756119,648
2016-01-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"On XXXX XXXX, 2015 we visited Eagle National Bank Branch in XXXX, CA. 
I wanted to access my safety deposit box. 
For 45 minutes the clerk "" XXXX XXXX '' was unable to locate my safety deposit box. Although the week before I was at the same branch where I had retrieved the documents from the safety deposit box but on that day I was planning to return it. 
Then the manager named "" XXXX XXXX '' approached us. She was very abrasive and rude. My XXXX year old son was getting upset and crying. I asked XXXX XXXX to lower her voice and be polite. She was not been polite and continued her abrasiveness and aggressive behavior towards us. 
She even claimed I have no safety deposit box. 
Then after an hour they found my deposit box which they admitted they had written all my information wrong. 
I did file a complaint right there and did let them know that their unprofessional behavior is not acceptable. 
Their incompetence caused my son and myself a great deal of stress and discomfort. 
She said contact their Area manager. I called XXXX XXXX XXXX numerous times. he never returned my call. 
",,Consent provided,Web,2016-01-25,Closed with explanation,Yes,Yes,CR1756437,6367
2016-01-25,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX, 2015, I cashed a check at Eagle National Bank for XXXX. I received my cash and left the back. Following this I received a message from the bank telling me that they were debiting my account for an additional XXXX, stating that the check had been cashed for XXXX. I tried resolving this by phone and at the branch. I am attaching a copy of my check and the letter received from the bank. 
",,Consent provided,Web,2016-01-25,Closed with non-monetary relief,Yes,No,CR1756592,252
2016-01-25,Credit card,,Arbitration,,"I HAVE TWICE DISPUTED A CHARGE ON MY CREDIT CARD. THE CHARGE WAS FRAUDULENT BASED ON XXXX LAW. IT WAS A SCAM. Eagle National Bank SAID THE ONLY THING THEY COULD DO WAS FILE A BILLING DISPUTE, AND COULD DO NOTHING THAT INVOLVED LEGAL MATTERS. THE SECOND DISPUTE WENT TO ARBITRATION WHERE THE ARBITRATOR ( XXXX ) FOUND IN FAVOR OF THE MERCHANT. I FIND IT ABSURD THAT THE CARD ISSUER WOULD BE AN UNBIASED THIRD PARTY ARBITRATOR BECAUSE THEY GET A PERCENTAGE OF THE TRANSACTION. Eagle National Bank NEVER SAID XXXX WOULD BE THE ARBITRATOR. I FEEL THE WHOLE AFFAIR WAS HANDLED POORLY AND UNFAIRLY TOWARDS THE CONSUMER. 
",,Consent provided,Web,2016-01-25,Closed with explanation,Yes,No,CR1755445,4778
2016-01-25,Credit card,,Other,,"i was XXXX and paid a company called XXXX XXXX dollars.when i learned i had been taken i called my merrill lynch credit card for help.my visa card informed me i waited to long and they could would not help me.i was shocked because i called in advance and they told me they would look into it for me.when i called back to look for there help i was informed i waited to long they would not help me.seems like my merrill lynch visa makes there own rules. 
",,Consent provided,Web,2016-02-01,Closed with explanation,Yes,Yes,CR1757018,4337
2016-01-25,Credit card,,APR or interest rate,,"Almost 1 year ago I purchased furniture on credit card XXXX ( Eagle National Bank NA ) .Account number is XXXX. XXXX/XXXX/2016 I made the last payment XXXX , after this payment my account balance became XXXX . At XXXX/XXXX/2016 I called to costumer service by number XXXX, spoke with representative XXXX at XXXX and closed account. 
After, I received e-mail that informed me that I have to pay {$700.00} interest at XXXX/XXXX/2016. But at that time my account was fully paid off and closed, and I did not have to pay any interest, because I had no interest charge for this account for 1 year. 
This is attachment from what I see for today : Trans. Date Post Date Ref. Number Description Plan ID Amount XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX BILLED DEFERRED INTEREST CHARGES ON PURC XXXX XXXX 
",,Consent provided,Web,2016-02-01,Closed with monetary relief,Yes,No,CR1757106,3536
2016-01-25,Credit card,,Billing disputes,,"I purchased a XXXX XXXX for {$330.00} and XXXX PET Ugly Sweater with Candy Cane for {$7.00} and a 3 year Target warranty for {$45.00} and taxes of XXXX was the total..ordered on XXXX. Target delivered to XXXX XXXX????? XXXX in XXXX XXXX???????????? They ( Target ) made an error and shipped o the wrong person and address of a person and state i do not live in!!!!!!!!!!!!!!!!!!!!!!!!!! They will only refund me {$330.00} and are charging me the difference for their MISTAKE!!!!!!!!!!!!!!!!!! No refund for sweater, warranty and taxes!!!!!!!!!!!!!!! Target is a bunch of crooks and i will TELL all my friends to NEVER EVER use this place! I had to go to XXXX and buy the mixer and it arrived in XXXX says!!! and at the correct address i might add. 
",,Consent provided,Web,2016-01-25,Closed with monetary relief,Yes,No,CR1757123,1893
2016-01-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2016-01-25,Closed with explanation,Yes,No,CR1757266,719
2016-01-25,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-01-25,Closed with explanation,Yes,No,CR1756078,100
2016-01-24,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank changed my account type from a fee free account to an account with fees after they "" changed and reorganized their products ''. I had a Eagle National Bank enhanced checking account that was fee free based on my relationship with Eagle National Bank. I had a credit card and thus all account fees were waived. Eagle National Bank changed my account type without authorization and is now charging me fees. This was an unwanted change. 
",,Consent provided,Web,2016-01-24,Closed with explanation,Yes,Yes,CR1755527,3035
2016-01-24,Bank account or service,Checking account,"Account opening, closing, or management",,"Multiple instances of merchants conducting unauthorized billing against my Eagle National Bank bank account. Reported claim to Eagle National Bank. Have not received all claim documents in the mail. Unable to complete form online. Completed some documents via mail. Eagle National Bank should resolve complaints and allow me to certify claims online. Their online claims certification tool is not working. Please ensure all documents that need to be completed have been sent. Undue burden of pursuing claims. 
",,Consent provided,Web,2016-01-24,Closed with monetary relief,Yes,No,CR1755450,4199
2016-01-24,Credit card,,Arbitration,,"Target store,,, is trying too collect debt from me, ,the Target Card, ,was used by my ex-wife, ,yrs after our devorce ; ; I paid off in full, ,the Target Card, in XXXX..was then divorced that year, ,she opened, ,or continued using my name, ,so Target billed me, ,now using a collection company, too call me, send me bills, ,an reports me, too credit companies, ,thus putting my scores at ''poor '' I want them too remove this illegal debt, from my credit reports 
","Older American, Servicemember",Consent provided,Web,2016-01-24,Closed with explanation,Yes,No,CR1755524,3531
2016-01-24,Credit card,,Late fee,,,,Consent not provided,Web,2016-01-24,Closed with monetary relief,Yes,No,CR1755542,3793
2016-01-23,Bank account or service,Checking account,Deposits and withdrawals,,"I have a checking account from Eagle National Bank. The lady in XXXX ( IL ) branch told me that as long as I have a total amount of direct deposit over XXXX to the account in a month, that I wo n't be charged with the $ 12 monthly fee. So I did {$150.00} per paycheck, that 's {$300.00} per month. Then I found that I was still charged for the $ XXXX monthly fee twice. So I went to the XXXX XXXX XXXX ( IL ) branch today, and ask for why. The lady and her manager told me that the requirement was {$250.00} per check. And there 's nothing they can do to help me. They asked me to leave and go to the previous branch and talk to the lady who talked with me before. They also said they did not care if I close my account or not, I told them I need my {$24.00} fee back before I can close that account. They said they could not help me with anything and asked me to wait somewhere else. 
",,Consent provided,Web,2016-01-23,Closed with explanation,Yes,No,CR1754971,12464
2016-01-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have not been able to access my accounts with merrill lynch for over a year. In XXXX of 2014 I was locked out of my Merrill lynch XXXX account. I have called the bank for over a year bi-weekly. I have gone into the Eagle National Bank branch at least 10 times. 

The bank is refusing to allow me access to my money, my bank statements or allowing me to shut down the accounts and have my money issued to me. 

I have spent countless hours for almost a year and a half trying to get records and access to my funds. They have refused to help me and tell me to go into bank, I go into bank and they tell me to call. I no longer want to do business with this bank and want my money. I also need my bank statements. 
",,Consent provided,Web,2016-03-14,Closed with non-monetary relief,Yes,No,CR1754180,3839
2016-01-23,Credit card,,Transaction issue,,"BofA card. Booked flight 0nXXXX/XXXX online. Recieved call from BofA fraud to check charge. Confirmed all of my info. Was told everything checked out. Recieved itinerary from airline. Checked card balance on XXXX. Balance was short airline charge. I called BofA to find out why and I was told they declined the charge. My credit rating is excellent, and I carry a very low balance ( balance was {$300.00} dollars at time of booking. Credit limit of {$8000.00}. ) But they approved the charge from the internet booking company for {$12.00}. I then needed to rebook my trip, and the cheapest flights we could find were {$300.00} more than previous. Flights were rebooked on my wifes credit card, as we no longer trust BofA. BofA is directly responsible for this charge, but they refuse to pay. Card was cancelled on XXXX. 
",,Consent provided,Web,2016-01-23,Closed with explanation,Yes,No,CR1755267,4457
2016-01-23,Credit card,,Credit line increase/decrease,,"On XXXX XXXX, 2016, I received an email from Eagle National Bank suggesting that I update my income information for the purpose of receiving a credit line increase. The email explicitly assured me that BofA would not request a copy of my credit report. On XXXX XXXX, 2016, I updated my income information, requesting the credit line increase, and on XXXX XXXX, 2016, BofA requested a copy of my credit report. I called BofA on XXXX XXXX, 2016, and the representative was entirely unhelpful, suggesting the email was not from BofA, even though when I logged in to my account to update the information, a pop-up opened up with the exact same information that was in the email, again assuring that my credit would not be checked. The same pop up came up when I logged out, even though I had just done as it suggested. That totals THREE PROMISES by BofA that it would NOT pull my credit report, and then it pulled it anyway. 
",,Consent provided,Web,2016-01-23,Closed with non-monetary relief,Yes,No,CR1754945,7863
2016-01-23,Credit card,,Other fee,,"The credit card company withdrew 2 payments from my account without my consent leaving my bank account overdrawn. I contact them and they promised to reimburse my account in 24 hours. It 's been 4 days and I 'm charged with NSF fees. Todate, they have not returned the extra payment. 
",,Consent provided,Web,2016-01-23,Closed with monetary relief,Yes,No,CR1754009,2162
2016-01-23,Credit card,,Rewards,,,,Consent not provided,Web,2016-01-23,Closed with non-monetary relief,Yes,No,CR1753895,144
2016-01-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-01-23,Closed with explanation,Yes,No,CR1755112,296
2016-01-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I have a brokerage account with Merrill Lynch. Having sold my stock, I wanted to have the funds wire-transferred to my Checking Account with Eagle National Bank on an urgent basis, to be able to make an unexpected payment on XXXX, which was subject to a penalty of {$170.00} past XXXX. I spent a good bit of time navigating the website, but there was no way to do this electronically/online. I called Merrill Lynch and was placed on hold for 30 minutes. I was unable to continue to hold and hung up. I tried again after 15 minutes, and was placed on hold for 2 hours. By then the office was shut for the day. I tried again on XXXX in the morning, and was informed by the automated system that the hold time was 3 hours! I kept holding, and finally had to hang up because I have a job. I then navigated the site, emailed and tried to chat with a live representative. I finally got through and asked for someone to contact me. A broker called me an hour later, and transferred my money. I immediately made the payment, but was charged {$170.00} in late fee charges. Since this issue happened due to delay in Merrill Lynch service, I consider this as a denial of service. If I had been able to transfer the money on XXXX, I would not have had to pay the charges. I therefore expect Merrill Lynch to reimburse me for this amount due to their problems. 
",,Consent provided,Web,2016-01-29,Closed with explanation,Yes,Yes,CR1754564,3064
2016-01-22,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX/XXXX/13, without my authorization, Eagle National Bank withdrew {$29000.00} from my personal account to charge off my company credit card ( XXXX - Eagle National Bank ). My corporation had a separate bank account and a Business card account with Eagle National Bank not linked with my personal account. 
",,Consent provided,Web,2016-01-22,Closed with monetary relief,Yes,No,CR1753439,8105
2016-01-22,Credit card,,Credit line increase/decrease,,"After nearly a decade of business with Eagle National Bank, I recently inquired for a Credit Line Increase. Over the years I have held active, but never delinquent, Personal Checking, Savings, and Credit accounts with B of A. My credit rating is top tier, thus I did not expect to find myself in the scenario Eagle National Bank placed me in and feeling discriminated against. Upon requesting my Credit Limit Increase on my traditional XXXX Credit Card, I was immediately declined. While this news was shocking, my real goal was to capitalize on an opportunity for cash back which is XXXX of the only incentives offered by my particular card held with B of A. Due to this, I was not disappointed with the decision to decline my increase request. However, upon contacting B of A by phone I was denied the opportunity to receive my decline reason. Instead, after speaking with XXXX representatives by phone and XXXX chat support associate, I was told by each that they could not provide that information and I would not be permitted to speak with a Credit Analyst/Specialist to review my Credit Line Increase request. After several hours straight of going back and forward on the phone, I was eventually in verbal communication with the Credit Analyst/Specialist department who disclosed the nature of the decline. It was for insufficient of lack of a savings account with Eagle National Bank. This is where I feel discriminated against, and as though I was unfairly evaluated by means that no everyone is evaluated XXXX. Upon receiving my denial letter, the reason was consistent with what I was advised on the phone and I also was not provided with my credit score, although I had requested such. Being in a top tier credit category of absolute low risk, my closure of my B of A savings account just a year prior is clear indication that I was unfairly considered for the credit line increase. 
",,Consent provided,Web,2016-01-22,Closed with non-monetary relief,Yes,No,CR1753358,4989
2016-01-22,Credit card,,Arbitration,,,,Consent not provided,Web,2016-01-22,Closed with explanation,Yes,No,CR1753922,146
2016-01-22,Credit card,,Balance transfer,,,Older American,Consent not provided,Web,2016-01-22,Closed with explanation,Yes,Yes,CR1754012,264
2016-01-22,Credit card,,Advertising and marketing,,,,Consent not provided,Web,2016-01-22,Closed with non-monetary relief,Yes,No,CR1754032,387
2016-01-22,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-01-22,Closed with explanation,Yes,No,CR1752474,2666
2016-01-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-22,Closed with explanation,Yes,No,CR1753246,3804
2016-01-21,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank allowed XXXX withdraws from a XXXX credit card account from my checking account. {$12000.00} taken between XXXX XXXX and XXXX XXXX XXXX all of the payments where sent through a XXXX credit card EPAY system and all were +/- {$2000.00} amounts. 
This is a clear violation of several laws Title III : International Money Laundering Abatement and Financial Anti-Terrorism Act of 2001 - Bank Secrecy Act - PART 353 -- SUSPICIOUS ACTIVITY REPORTS 12 U.S.C. 1818, 1819 ; 31 U.S.C. 5318. 
",,Consent provided,Web,2016-01-21,Closed with explanation,Yes,No,CR1751318,1616
2016-01-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am attempting to refinance my current mortgage that I have with XXXX XXXX Bank with XXXX Bank. XXXX pulled my credit history and in addition to my XXXX XXXX mortgage, another mortgage was listed with Eagle National Bank ( EN ). I have never had an account with EN, and this is just an error on my credit report. 

I called EN on XXXX/XXXX/16 to request that they remove this with the credit bureaus and send me documentation stating that this is NOT my account. I talked to a supervisor named XXXX who confirmed that it was indeed not my mortgage. He said he was unable to send me any documentation indicating that this mortgage was not mine because that would violate a "" privacy issue. '' I am filing a complaint because Republic has advised that EN should be able to send me some documentation - anything, stating that this mortgage # XXXX with EN is not mine and it is an error that they are correcting with the Credit Bureau. I need this done promptly so that my refinance can be moved along with XXXX. 

I have sent a written dispute into EN, but they have advised there is nothing they can provide me to prove that this is not my mortgage account. I think this is unacceptable and they should be able to provide something since this was an error on their part. 
",,Consent provided,Web,2016-01-21,Closed with non-monetary relief,Yes,No,CR1752632,2733
2016-01-21,Bank account or service,Checking account,Problems caused by my funds being low,,"I am submitting a complaint against Eagle National Bank for a few reasons that are related to bounced check fees. First of all, I feel {$35.00} is an outrageously high fee for a bounced check, especially since the bank does not make it a practice to cover the checks in any way. Also, Rhode Island State law limits to {$25.00} the amount of money a merchant can charge a customer for a returned check. Therefore, I feel it is only fair that the banks be limited by the same statute. Specifically in this situation, I had written a check to a merchant who then only submitted it to his bank several weeks later. Because I was n't expecting it several weeks later, check # XXXX bounced on XXXX and again on XXXX. I take issue with the timing in which I was notified by electronic banking because both charges showed up on the same morning of XXXX. If the first attempt had been apparent on electronic banking in sequence, I would have been able to cover the amount and prevent the second bounced check from occurring. In other words, I find it strange that both attempts of cashing the check became evident at the same time on my electronic banking. It means the bank is being inconsistent in its timing of presenting information to customers via electronic banking, and this peculiar timing ends up making the bank a profit as a consequence. Moreover, these XXXX fees totaling {$70.00} resulted in a third check, # XXXX written for {$75.00}, to bounce as well. As it stands now, I have XXXX bank fees totaling {$100.00}, and my daughter may lose her spot in the after school program as a result of the check being insufficient. For one of the largest banks in the country that gambled with my hard-earned tax money, subsequently blundered, and then was bailed out, one hopes it would be more lenient in dealing with customers ' relatively minuscule mistakes. I sincerely hope that XXXX XXXX becomes President of the USA and breaks these "" much bigger than before '' banks up into smaller businesses that know how to act more fiscally and socially responsible. As far as resolution to this matter, I am interested to know the names of the banks who submitted these checks through my account. For if it was Eagle National Bank itself, then we have a serious conflict of interest. Next, I want to know when they were submitted to EN exactly. For I want to be sure the bank did not predatorily wait for a moment when no funds were available in my account to put the checks through or time them sequentially in such a way to cause my overdraft. In addition, I 'd like for EN to lower the maximum fee they charge for NSF transactions to {$25.00}. Lastly, I 'd really appreciate at least a partial return of the fees charged to my account since I 've been banking with EN. Since {$35.00} - {$25.00} is equal to {$10.00}, I 'd appreciate {$10.00} for every fee over the years. Lastly, I 'd like a thank you for bailing it 's "" too big to fail '' XXXX out of complete destruction and for not prosecuting anyone on its ENrd for treason against all Americans back in 2008. 
",,Consent provided,Web,2016-01-28,Closed with monetary relief,Yes,No,CR1751640,4730
2016-01-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX vs Eagle National Bank XXXX XXXX XXXX XXXX. 
XXXX, Florida XXXX [ XXXX ] Complaint charge description : on the date of XXXX XXXX 2016. I XXXX XXXX, was willfully and intentionally discriminated against, based on the color of my skin. To which, led to the denial of banking services at Eagle National Bank, located at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. 
I went to the bank to cash a check for XXXX XXXX and XXXX dollars. That was written out as pay to the order of [ CASH ]. I endorsed the back of the check and provided my drivers license number. And put my thumb print on the front of the check. Then handed it to the bank cashier. Whom took a very long time doing XXXX knows what ... on her computer screen. then, she stepped away momentarily to speak with someone. She came back! And stated that.. she will not be able to cash the check. So, I ask ... and why are n't you able to cash the check. 
The Bank claim and her statement was : that the reason for them unable to assist me, was because they were not able to verify the authorizing signing party on the check. Which was XXXX XXXX, XXXX of the account holder name on the account. 

[ XXXX ] Complaint charge description : I left and went to a different branch shortly after leaving there. upon arriving at the Eagle National Bank located at : XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX. I waited in line ... then, I was called to the counter. I was asked the most unusual thing by the clerk, before she would assist me. I was told to remove my sunglasses. And after I did! she then begin to help me. I ask her what was the reason for me removing my sunglasses.. she stated that it the bank policy that sunglasses are not allowed to be worn inside the bank. And I witness their own security guard wearing a hat and sunglasses inside of the bank. I said this is the first I 've heard of this ... furthermore, the cash the check and I left the bank. 

the statement herein give by XXXX XXXX ; is the truth, as it happened on this XXXX day of XXXX 2016. 
",,Consent provided,Web,2016-01-21,Closed with explanation,Yes,Yes,CR1752194,1829
2016-01-21,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,"Yes my father stole my mail and cashed XXXX or XXXX checks through his bank account with Eagle National Bank, name on the account is XXXX XXXX XXXX, fraudulently signed and endorsed my checks though his bank account, Eagle National Bank cashed the checks 
",,Consent provided,Web,2016-01-21,Closed with explanation,Yes,No,CR1752825,12843
2016-01-21,Credit card,,Other,,"I had a credit card with XXXX card services. The account # XXXX. XXXX closed my account and took away the reward points that were accumulated in this account. XXXX profited from their one sided action, which is illegal or at least unethical. I ask that XXXX will pay me the value of the rewards that were accumulated in the account 
",Older American,Consent provided,Web,2016-01-28,Closed with explanation,Yes,Yes,CR1750668,4674
2016-01-21,Credit card,,Identity theft / Fraud / Embezzlement,,"I have repeatedly disputed this fraudulent Eagle National Bank account on my credit files. Eagle National Bank has refused to do anything about this account ( which they are still reporting ), and instead kept directing me to their collections agency ( XXXX ). 

I now have written confirmation from that department that this account was deleted and closed due to it being determined to be fraudulent ( Case Number : XXXX ). And THAT branch is now directing me BACK to Eagle National Bank to have this removed. 
",,Consent provided,Web,2016-01-21,Closed with non-monetary relief,Yes,No,CR1752452,321
2016-01-21,Bank account or service,Checking account,"Account opening, closing, or management",,"Dear CFPB, I had a checking account with Eagle National Bank. I had a positive balance with {$500.00} in my account. I did not use my account for almost a year and then I received a notice that I owed Eagle National Bank {$450.00} dollars. My account was closed and it was sent to collection agency. Unfortunately, Eagle National Bank is not helping me, even though this was probably their error or mishap of information ( stolen check or identity ). I am kindly requesting CFPB to please ask Eagle National Bank to please probe my account and see who used it and why I owe them {$450.00}. 
",,Consent provided,Web,2016-01-21,Closed with explanation,Yes,Yes,CR1750686,270
2016-01-21,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-01-21,Closed with non-monetary relief,Yes,No,CR1752980,3006
2016-01-21,Credit card,,Other,,,,Consent not provided,Web,2016-01-21,Closed with monetary relief,Yes,Yes,CR1753042,4236
2016-01-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-01-21,Closed with explanation,Yes,No,CR1749409,3628
2016-01-21,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-01-21,Closed with explanation,Yes,No,CR1752842,4382
2016-01-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-21,Closed with explanation,Yes,No,CR1751441,3571
2016-01-21,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-21,Closed with explanation,Yes,No,CR1752040,2651
2016-01-21,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-01-26,Closed with explanation,Yes,No,CR1752211,63
2016-01-20,Bank account or service,Other bank product/service,Using a debit or ATM card,,"Eagle National Bank issue me debit card with number, I was paying my bills with it, I got my wallet stolen at the lake, I call the bank an was issue a new card an anew number, XXXX came into my account on my first debit card number an took out XXXX which I did not owe that amount an I do not have a direct deposit with XXXX, how did the bank allow this on my new card number, i call a lawyer an he said that 's agood question I got some of my money back but XXXX took out a another month in a advanced payment an change my programming pkg, now I pay more for less tv, an XXXX told me on phone if I did n't give them the new code number on my debit card they would cut my service off, so I had to borrow money to get me thu till next payday, iam very upset with this bank an XXXX, i will be switching banks, merchants has more rights than me. 
",,Consent provided,Web,2016-01-20,Closed with explanation,Yes,No,CR1748086,491
2016-01-20,Bank account or service,Checking account,Problems caused by my funds being low,,"on XXXX/XXXX/2016 I made a deposit of {$400.00} and at the time my account was over drawn. The account was brought to current and check cleared my other account. I had a payment presented in the amount of {$180.00} and there was enough funds to cover however Eagle National Bank returned my item unpaid, charged me a {$35.00} fee they placed a hold on my deposit. even though it cleared my bank the next day. on XXXX/XXXX/2016 there was an additional deposit made in the amount of {$500.00} in cash. there were some other presented and paid, the {$180.00} was presented again and yet again the payment was again returned and I was assested a fee again. Not only is this unethical to return a payment when the funds are there. I was charged {$70.00} in fees. I am requesting that the fees be remitted to me. 
",,Consent provided,Web,2016-01-20,Closed with monetary relief,Yes,No,CR1750717,3939
2016-01-20,Credit card,,Closing/Cancelling account,,"I closed account in XXXX 2015. XXXX CARD Services allowed charge from XXXX to go thru in XXXX 2015 that I did not do. I CLOSED ACCOUNT 9 months ago. XXXX needs to be banned from the industry. 
",,Consent provided,Web,2016-01-28,Closed with monetary relief,Yes,No,CR1750042,3390
2016-01-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XXXX XXXX, XXXX, someone presented a check for cash which was debited from my bank account. It was a small amount of XXXX dollars. I contacted my bank and they quickly put the money back into my account. The bank and I agreed that the account numbers were just XXXX digit different and the customer 's signature overlapped that digit to make it to look like an XXXX instead of a XXXX. 
On XXXX XXXX, XXXX the same thing happened again. The same customer presented a XXXX dollar check for cash.with the signature overlapping that same digit to make it look like an eight.This time I was given an overdraft fee of {$35.00} plus the {$20.00} check amount debited from my account. 
The bank again said this was an error and quickly took the overdraft fee off and promised to put the {$20.00} back into my account within 24 hours. 
The first time this happened, I would say it was a mistake of the teller. It would almost be impossible for this to happen again with the signature covering that same digit to appear as another digit. 
I believe someone is taking small amounts of money from customers at my bank. 
Please look into this. This bank is Eagle National Bank, XXXX XXXX XXXX, XXXX, New York XXXX. 
",Older American,Consent provided,Web,2016-01-20,Closed with explanation,Yes,No,CR1750739,12991
2016-01-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,Other,Web,2016-01-20,Closed with explanation,Yes,No,CR1749491,4665
2016-01-20,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-01-20,Closed with explanation,Yes,Yes,CR1749804,13102
2016-01-20,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-01-22,Closed with explanation,Yes,Yes,CR1749306,4123
2016-01-20,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,Consent not provided,Web,2016-01-20,Closed with explanation,Yes,No,CR1748310,5320
2016-01-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-20,Closed with monetary relief,Yes,No,CR1749119,11319
2016-01-19,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I have a Eagle National Bank money network account. I used my card at the ATM to deposit {$360.00} and it did not deposit the money. I called the Bank and told them the problem. They told me to fax over a dispute paper. I faxed it over and they told me that it would take up to ten business days. I sent it in on XX/XX/XXXX and it is now XX/XX/XXXX. I still have not received my money and now they are telling me to resubmit the dispute form and wait another possible ten days. 
",,Consent provided,Web,2016-01-19,Closed with monetary relief,Yes,No,CR1747260,6318
2016-01-19,Bank account or service,Checking account,Using a debit or ATM card,,"I made a credit card purchase, point of sale. and the amount was debited from my account. two weeks later I was overdrafted by the amount of the sale and the date of the debit was almost two weeks after the sale. Subsequently the bank has charged me XXXX overdraft fees. I spoke to the retailer and they said that they put the charge through immediately so some manipulation was being done solely by the bank ( Eagle National Bank ). The bank is not supposed to allow any point of sale purchase through if the funds are not available and to be debited immediately. 
",,Consent provided,Web,2016-01-19,Closed with explanation,Yes,No,CR1748855,13820
2016-01-19,Bank account or service,Checking account,Deposits and withdrawals,,"I went to American bank to made a deposit of {$500.00} for my mama and the ask me for ID I believe need show ID if is over {$10000.00} I would like know if I 'm wrong and why I need show ID for that amount Thank 
",Older American,Consent provided,Web,2016-01-19,Closed with explanation,Yes,Yes,CR1748615,3670
2016-01-19,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX, XXXX I checked my Eagle National Bank account to find that my balance was {$0.00}. There was a HOLD posted for {$2900.00} by the bank. When I contacted Eagle National Bank I was informed that the hold for a judgment and they gave me a phone number to call of a collection agency. I contacted the agency and was informed that there was a judgment against me from XXXX for a medical bill in the amount of {$680.00} ( the original bill was {$250.00} in XXXX ) I then contacted the obgyn office to confirm and we concluded that notices were sent to the incorrect address. I immediately called the collection agency and settled the balance. The agency sent me the documentation which was sent to Eagle National Bank in the amount of {$680.00}. She also faxed me a coy of the receipt for payment, original bill and letter to Eagle National Bank to release all funds immediately. I called the customer service dept at EN and requested clarification and documentation as to why {$2900.00} was removed from my account when the judgment was for {$680.00}. They refused to provide any documentation to support the {$2900.00}, refused to credit back the additional funds and informed me that I would be receiving a check in the mail in 3-5 business days for {$2200.00} ( my $ XXXX {$680.00} for the judgment ). I explained that I have already paid the collector ( which I have scanned copies from the office supporting the letter to EN for {$680.00}, the letter to release funds and my receipt of payment to settle the account ) and I can not wait to have the funds replaced. There are several outstanding checks that have not cleared and without those funds the checks will bounce. After over an hour on the phone with EN explaining the situation to multiple people, they said that their legal department will not speak to customers but they informed the EN customer service manager that the collection agency 's letter stated to remove the {$2900.00} for "" housing expenses '' the judgment was for an XXXX. I informed him that I have a copy of the letter that was sent to EN as well as confirmation from the employee who issued the letter XXXX stating that EN was completely wrong. They are still continuing to hold all of my funds. I told them I can understand holding the {$680.00} until the letter has been processed, as these things take time. But I can not understand how they can legally withhold the rest of my funds without cause. 
",,Consent provided,Web,2016-01-19,Closed with explanation,Yes,No,CR1748111,2042
2016-01-19,Credit card,,Late fee,,"I used a credit card issued by Eagle National Bank ( EN ). However, I have been charged once for return check fee and once for late payment fee. I have never tried to make late payment or void payment. Both issues were caused by the fact that EN does not provide enough instructions and help in setting up online payment correctly. I thought I have set up recurring online payment correctly. I do n't know know why it did not work well. I tried to got help several time through its online service and phone service. When I asked them to check if I set up the recurring payment successfully, they failed to provide this service. Online chat representative asked me made a call. When I finally got connected with the phone representative, she said she were not able to confirm for me. Now they charged the fees and refuse the reverse them. 
",,Consent provided,Web,2016-01-19,Closed with monetary relief,Yes,No,CR1748567,2990
2016-01-19,Credit card,,Transaction issue,,,,Consent not provided,Web,2016-02-02,Closed with explanation,Yes,Yes,CR1748194,3215
2016-01-19,Credit card,,Billing statement,,,,Consent not provided,Web,2016-01-19,Closed with monetary relief,Yes,No,CR1747731,930
2016-01-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-19,Closed with explanation,Yes,Yes,CR1747268,4305
2016-01-19,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-01-19,Closed with explanation,Yes,No,CR1748597,4764
2016-01-19,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-01-21,Closed with explanation,Yes,Yes,CR1748620,3032
2016-01-18,Bank account or service,Other bank product/service,Deposits and withdrawals,,"On Mon. XXXX XXXX XXXX XXXX XXXX withdrew {$1400.00} cash in XXXX XXXX dollar bills from my checking acct. From XXXX the bank teller. In order to pay my rent of {$1400.00} a month. A week later on Mon. XXXX XXXX after making the deposit of only {$1300.00}. Since XXXX of the XXXX dollar bills were counterfeit. It is poss. Eagle National Bank overlooked or missed it, possibly given me the counterfeit XXXX XXXX dollar bill. My landlord says the {$1400.00} I gave her ( XXXX ) was put in an envelope. And deposited with no other bills other than the {$1400.00} large bills. Again making only a deposit of {$1300.00} minus the counterfeit XXXX XXXX dollar bill from B of A. I spoke the Bank Branch Manager XXXX who was overworked due to being understaffed. And was of no help or organization toward policy & procedure witch was none to this concern filed. Although XXXX did not deny the possibility of this counterfeit from her branch. But the personal banker XXXX did deny it, mentioning it 's not possible. I would like to know what is possible if there is a future for this matter maybe I 'm not the only one who has experienced this from a reputable bank or this branch itself. I 'm curious to find out where justice is served in receiving my hard earned money back. Surely you would think the counterfeit bill could be traced or leave a paper trail right, just not being washed along the way & no one taking responsibility of it legitimately. Thank you for ur time & have a powerful day. 
",,Consent provided,Web,2016-01-18,Closed with monetary relief,Yes,No,CR1746509,10636
2016-01-18,Credit card,,Closing/Cancelling account,,"Eagle National Bankn closed my credit card suddenly without telling me anything. I have been used for years and never had a late payment. Also, I have approx. {$62.00} cash reward in there and they did not redeem for me. I have called many times and nobody could help me. No reasons were given. 
",,Consent provided,Web,2016-01-18,Closed with explanation,Yes,No,CR1744196,395
2016-01-18,Credit card,,Delinquent account,,"I made a large sum to pay off my credit card account with Eagle National Bank. I was assured that since i have paid the full amount and closed my account I had no more payments. A month or more later i found out that they had sent a payment that was charged a couple of days after i had made a payment, to the credit bureua as past due. I immediately called them and and requested information on a payment i was told i would not have, they explained that this interest charge was due to the fact tht i did not completly pay off the account. After the reviewed the account better they saw that i had indeed paid the full amount and that the past due payment was placed on my account a couple of days after the final payment. They stated that i would have to pay the amount or they will proceed with collections.I made the full payment and was again reassured i would not see any more charges and that the account will be closed by the end of the billing cycle. 
",Servicemember,Consent provided,Web,2016-01-18,Closed with non-monetary relief,Yes,No,CR1744088,731
2016-01-18,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-01-18,Closed with explanation,Yes,Yes,CR1743860,3592
2016-01-18,Credit card,,Billing statement,,,,Consent not provided,Web,2016-01-18,Closed with explanation,Yes,No,CR1746690,11126
2016-01-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-18,Closed with explanation,Yes,Yes,CR1746662,8764
2016-01-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"This is a notice to cease unauthorized inquires into my credit report and a formal demand that you immediately contact the credit reporting agencies and bureaus to have your illegal inquiries removed. While checking my personal credit report from XXXX, I noticed an inquiry made by your organization. 

The details of the inquiry are as follows : Address Identification Number : XXXX Inquiry made on : XXXX/XXXX/2014 Inquiry made by : Eagle National Bank I did not approved your organization, or any person associated with your organization, to make such an inquiry. This violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. I also demand that you remove my personal information from your records. Please send written confirmation that you have complied. 

If you believe that you posses sufficient document that supports your authorization to make the inquiry, please forward a copy so that I may verify its validity. 
",,Consent provided,Web,2016-01-20,Closed with explanation,Yes,No,CR1743848,394
2016-01-17,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-01-17,Closed with non-monetary relief,Yes,No,CR1745138,444
2016-01-17,Credit card,,Other,,,,Consent not provided,Web,2016-01-17,Closed with non-monetary relief,Yes,No,CR1743825,1420
2016-01-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-01-17,Closed with monetary relief,Yes,No,CR1744392,4291
2016-01-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"A while back I signed up with Eagle National Bank, for merchant/credit card processing. The issue is the credit card machine lease that EN sneaks into the deal. They mention free, but it turns into a 48 month lease contact for $ XXXX for a {$300.00} machine. It was just a deceptive sale on their part. Contacted EN sales rep regarding issue, tells me to contact first data, and to offer to buy out machine lease for less than lease term. Called first data ... and Not a chance of that working. Another example of their mis-info or understanding. 
",,Consent provided,Web,2016-01-16,Closed with monetary relief,Yes,No,CR1745568,3919
2016-01-16,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank closed a checking account that I had owned and reported the account closure to XXXX as potential fraud. There was no fraud that occurred on the account and Eagle National Bank refuses to remove the incorrect information from my XXXX record. I have contacted Eagle National Bank and XXXX numerous times about this issue and have been repeatedly told that the information is accurate. The information is not accurate-I believe that Eagle National Bank is just not investigating. As a result of this, I cannnot open a bank account. 
",,Consent provided,Web,2016-01-16,Closed with explanation,Yes,No,CR1744864,3060
2016-01-16,Bank account or service,Checking account,"Account opening, closing, or management",,"i am not able to open up a bank account because when i was XXXX i opened up my first bank account with Eagle National Bank with a counterfeit check that i received in the mail. i was young and i did n't know any better because it was my first bank account. the way i got a the check was by applying online to a job that was being a secret shopper. the point of the job was to give feed back about the shopping experience. so they sent me a check and i did not know it was fake. i did not try to withdraw any money either i just wanted to deposit the check but not take any money out. i was a victim of a scam. 
",,Consent provided,Web,2016-01-16,Closed with non-monetary relief,Yes,No,CR1744645,1577
2016-01-16,Bank account or service,Checking account,Deposits and withdrawals,,"someone give me a fraud check and I suddenly deposit it thru my account. I just wan na help but I did n't realize that check is fraud and he keeps calling me to send him the money after I put in my account. 
",,Consent provided,Web,2016-01-16,Closed with explanation,Yes,No,CR1743969,10828
2016-01-16,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank SENT ME OUT LETTERS TELLING ME I HAD 20 DAYS ... ... THEY CHARGED OFF MY ACCOUNT BEFORE THE 20 DAYS ... .THIS IS A BREACH OF COMMUNICATION ... ..I WENT INTO THE BRANCH ... XXXX XXXX XXXX A PERSONAL BANKER AT THE XXXX BRANCH IN XXXX MD LIED TO ME ... .SHE WAS SUPPOSE TO CREDIT MY ACCOUNT {$50.00} ... SHE DIDNT ... SHE WAS WAS SUPPOSE TO CONTACT THE Eagle National Bank COLLECTION DEPARTMENT SHE DIDNT ... SHE LIED TO ME ... THERE PRACTICE AT THIS BANK ARE DECIEVING AND MANIPULATIVE.I WILL BE FILING A FEDERAL LAWSUIT IN US DISTRICT COURT THIS WEEK FOR XXXX XXXX DOLLARS ... I AM SUING FOR A BREACH COMMUNICATION, DECEPTION AND MANIPULATION ... I MAY ALSO FILE A XXXX XXXX DOLLAR CLASS ACTION LAWSUIT AGANIST Eagle National Bank ... ..THIS CLASS ACTION LAWSUIT WILL BE ON BEHALF OFF ALL THE CUSTOMERS OF Eagle National Bank WHO HAVE GONE THROUGH THIS INCONVIENCE ... ..MY ACCOUNT SHOULDNT BEEN CHARGED OFF ... .THEY SHOULD HAVE KEEP THEIR PROMISE TO ME AND THE ACCOUNT WOULD HAVE GOTTEN PAID OFF ... .I WOULD LIKE THE FEDERAL GOVERNMENT AND Eagle National Bank TO PLEASE DO AN FORMAL INVESTIGATION ON THIS MOST IMPORTANT SERIOUS MATTER.THEY ARE IN VIOLATION OF SEVERAL FEDERAL BANKING XXXX ... .I AM ALSO SUING THIS IS A VIOLATION OF THE FAIR DEBT REPORTING ACT ... .I BELIEVE I WAS REPORTED TO CHEX SYSTEMS ... ..I AM A XXXX STUDENT ... 
",,Consent provided,Web,2016-01-16,Closed with explanation,Yes,No,CR1744121,585
2016-01-16,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2016-01-16,Closed with explanation,Yes,Yes,CR1744351,3334
2016-01-15,Bank account or service,Checking account,Using a debit or ATM card,,"I made a purchase online using my debit card which was linked to my XXXX account. When I received the item it was not an authentic item. I tried reaching the seller and got no response. I called XXXX and they informed me to call the bank as they were not the funding source. I called the bank and disputed charge and was informed via phone and mail that I can not be helped and they were sorry I have to get a hold of the seller. 
",,Consent provided,Web,2016-01-26,Closed with explanation,Yes,No,CR1740288,2270
2016-01-15,Bank account or service,Checking account,Problems caused by my funds being low,,"Logged into bankofamerica.com, Clicked on account. Shows XXXX overdraft fees when the below transactions does not show any overdraft charges. Called BofA customer service, I stated that there is an online order that has not been charged but shows "" processing '' but does not show "" posted '' on account and does not reflect the amount on hold or that is has been pulled out of my account on the "" available balance ''. CS rep stated that I need to click on "" account balance history '' and that it reflects the hold there, also, showing another account balance amount that does n't not match the account summary page. ( First time I 've been told to click on another link to get the "" real '' available balance '' ) In "" account balance history '', shows that it is still "" processing '' but it has been deducted from my "" available balance history ''. How are there XXXX available balances? If BofA is going by "" available balance history '' why not show it along the statement page? The "" account balance history '' shows the "" statement balance ''. If my account was overdrawn, how come BofA did not decline the charges that were made afterwards? This is unfair and very deceptive. 
",,Consent provided,Web,2016-01-20,Closed with monetary relief,Yes,No,CR1745715,1132
2016-01-15,Bank account or service,Checking account,"Account opening, closing, or management",,"My eight years account with Eagle National Bank was subjected to a monthly maintenance fees of {$12.00} per month since last year XXXX XXXX without any prior NOTICE/INFORMATION or explanation from the bank. When I called the bank for explanation and refund i was told by XXXX of the bank official that I have to maintain a direct deposit of at least {$250.00} or a minimum balance of certain amount. I informed the bank that even during this period of review XXXX XXXX XXXX, XXXX there were instances of irregularity, that is situations where I had a single direct deposit of over {$250.00} into the account and my account was still subjected to this illegal {$12.00} service fees. 
The bank will not refund my money when I asked for a refund despite the fact that I was not informed of any changes or the existence of such fees since my banking with the bank for the past 8years. 
",,Consent provided,Web,2016-01-15,Closed with monetary relief,Yes,No,CR1746078,13921
2016-01-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Two years ago, XXXX 2014, my business and life partner of 19 years left me. He suffers XXXX and has for the last 5 years been unemployed. When he left I was left holding the bag on our debts and assets and trying to piece back together my finances and credit score. I have cashed out my retirement accounts, that I am allowed to before age XXXX XXXX and paid off over {$150000.00} in debts. Eagle National Bank ( BofA ) settled with me on a home that I own in XXXX XXXX, VA and a rental property I own in XXXX, VA. Both of these properties have lines-of-credit associated with them. 
Both lines of credit are now closed and I have reached a settlement with BofA on both. I attach the XXXX letters for evidence. Note that neither letter indicates anything about a BofA policy of continuing to report the sums as delinquent. Neither of the folks with whom I settled the accounts mentioned that in our discussions. I do not think a reasonable person would have assumed that their credit report would continue to be ruined until the last payment on each of the lines of credit was made. 
During the process of getting my finances under control I was advised to take bankruptcy, I have not and do not plan to. I have worked diligently to repair my credit rating. I have been able to open XXXX charge accounts that I am current on to help rebuild my credit, my score has improved. However, BofA still shows that original balance on these XXXX lines of credit on my credit report. They also show the original amount as delinquent, even though we settled on a lesser amount and I have been making monthly payments as per the agreements since. I have contacted BofA twice to ask that they show these debts current, because they are. They have told me that it is against their policy since there is now guarantee I will make the payments. This strikes me odd - if I do n't make the payments then they should report that to the credit bureau, like any other debt. I contested the XXXX lines of credit showing up on my credit report with the credit reporting agency and still both amounts show up as delinquent. I would like the XXXX BofA credit lines to show as current and not delinquent on my credit report. 
My cell is XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX. My office phone at the XXXX is : XXXX. 
",,Consent provided,Web,2016-01-15,Closed with explanation,Yes,No,CR1744583,5338
2016-01-15,Credit card,,Privacy,,"Eagle National Bank shared my financial information with Debt Services companies who within a matter of days sent me letters stating : "" we are aware of your current financial situation. '' and offering to restructure my credit card debt. I had contacted Eagle National Bank seeking a reduction of the high APR that kicked in once a 0 % balance transfer offer had expired. 
",,Consent provided,Web,2016-01-15,Closed with explanation,Yes,No,CR1744667,588
2016-01-15,Credit card,,Bankruptcy,,"I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was XXXX on XXXX/XXXX/XXXX. In accordance with the Chapter XXXX plan, the Trustee paid Eagle National Bank/FIA CARD SERVICES in full. 

XXXX reports Eagle National Bank as "" Derogatory '' and as "" Negative Account, Closed Account ''. It continues to report the status as "" Wage Earner Plan '' and the "" Date Reported '' is "" XXXX/XXXX/XXXX '', which is after my bankruptcy discharge. Eagle National Bank continues to report a balance of {$19000.00}. 

XXXX reports Eagle National Bank with XXXX "" Derogatory '' and "" Potentially Negative Closed '' accounts, XXXX of which appears to a duplicate and is incorrect. 
The first account # XXXX reports "" Payment Status : Making regular payments under XXXX. '' and reports a balance of {$19000.00}. 
The second account # XXXX reports the "" Account Type : Banks and XXXX '' ; it should state Credit Card Company. It continues to report the "" Payment Status : Wage earner or similar plan ''. 

XXXX reports Eagle National Bank accounts as "" Derogatory '' and as "" Credit/Revolving Accounts ''. It continues to report the "" Status Payment Plan ''. This account should also be reported as closed. 

I have disputed the incorrect information with XXXX, XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to XXXX Eagle National Bank addresses, the address listed with the Bankruptcy Court and the addresses listed by XXXX, XXXX and XXXX, respectively. The incorrect and inaccurate information continues to negatively impact my credit report, credit rating and credit score. I am seeking your assistance in resolving the inaccurate reporting of these accounts to the credit bureaus listed above. 
",,Consent provided,Web,2016-01-15,Closed with non-monetary relief,Yes,Yes,CR1741325,1110
2016-01-15,Credit card,,APR or interest rate,,"I have an XXXX Visa issued through Eagle National Bank ( America 's most hated bank, I now know ). Should have known better. However since I pay all credit card balances in full every month I thought there would be no issue. I set up automatic bill pay to remove from my checking account the full amount of the credit card bill each month. There is a warning on the EN website that the instructions might not be in effect until the next billing cycle, which is reasonable. However it 's now been XXXX cycles and they continue to debit my bank account for the minimum payment of {$25.00} ( an option I would NEVER choose ) and charge me interest on the remaining balance. On XXXX XXXX XXXX I called to find out why my instructions to pay the FULL STATEMENT BALANCE every month were not being followed. The customer service representative assured me I would see the correct amount paid on the next statement. My new statement ( XXXX XXXX ) also shows EN again removing only {$25.00} from my checking account, and again charging interest on the balance. They clearly make a lot of money by not following instructions from their customers. I would cancel this card today except I really like XXXX companion fare deal. Too bad they have chosen EN to issue their card. 
",,Consent provided,Web,2016-01-15,Closed with monetary relief,Yes,No,CR1744461,8636
2016-01-15,Credit card,,Other,,,,Consent not provided,Web,2016-01-15,Closed with explanation,Yes,No,CR1744093,3972
2016-01-15,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,Consent not provided,Web,2016-01-15,Closed with explanation,Yes,No,CR1744244,586
2016-01-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I contacted my bank in order to stop the first time of a recurring month to month payment using my debit card, under FDIC Consumer regulations the bank is to allow me to do this if I contact them 3 business days before my payment is to go out. If I have contacted the other party, which I had I am able to according to this website https : XXXX stop my payment under the Stopping an automatic, recurring payment : section. Am allowed to stop the payment in such cases so that my account will not go negative, I may be liable for the payment at a later time, but I am certainly allowed to stop it at no charges to me. But my bank demanded they treat it as a stop check payment, incorrect banking regulations and then proceeded to demand I pay them {$30.00} to stop a {$7.00} payment I could not cover forcing me to accept improper banking regulations or to take a payment I could not handle that I was trying to stop using my RIGHTS. They do not know the proper regulations themselves, even the supervisor at the call center for Eagle National Bank treated me terribly and refused to help me and literally said yes to my quote of "" Eagle National Bank is denying me a service they should give me, refused to acknowledge their mistakes now, and are forcing these fees upon me when I attempted to execute my rights to stop them, you guys are XXXX me over, literally handing me a XXXX then another one and saying go XXXX '' She literally agreed, said yes these are our policies and this is how we treat our customers. Now I realize profanity was not needed but I was angry and these people obviously had no intention of helping me even if this is the result of their incompetence and neglect. They hide behind a "" computer system does not allow us to change what has already been set in motion '' tactic. I called the local branch for Eagle National Bank, and I asked if they would help me based on what had happened with customer service on their XXXX number. An apologetic but unable to help account associate got her manager who was the one i spoke to about coming in. She could see what happened in the account, she just refused to do anything about her company the one she works for ignoring banking regulations and she herself didnt even know that stopping a check and stopping a reccuring debit transaction are nowhere near the same thing. She agreed that their regulations were to ignore proper FDIC regulations, force me to take penalties so they could add penalties on to my account. I angrily took my debit bank card and Id from the desk they had them on and she threatened to call the police on me because I was angry that they were so blatantly and fradulently trying to cheapskate me out of pausing a $ XXXX month to month payment so that my account would not go red. Once again clearly outline in the FDIC consumer site under the Stopping an automatic, recurring payment : located HERE : https : XXXX 
",,Consent provided,Web,2016-01-14,Closed with monetary relief,Yes,No,CR1743277,1903
2016-01-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have a safe deposit box with Eagle National Bank at XXXX XXXX XXXX XXXX XXXX, OR XXXX for over 15 years. I received the payment notice about the same time every year. On XXXX, I received the bill as usual. If I had an account with them, so it would be a {$5.00} discount ( I think it mentioned on the bill ). I went to the bank and paid my bill at XXXX XXXX XXXX and asked one of the tellers for the discount since I had a checking account with them ( I closed my account later on but still kept my safe deposit box ). The teller told me it would n't be any discount and the fees on the safe deposit box went up to {$40.00}. I paid the {$40.00} ( I still have the receipt that proved I paid ). The price was not a problem because I transferred my safe deposit box from XXXX XXXX to the XXXX so that it would be more convenient for me. On XXXX, I was expecting the payment notice as every year. I did n't receive the bill and the due date was coming up soon. I went to the bank and asked one of the tellers about I did n't receive the payment notice but I wanted to pay my bill. She checked the computer and told me they made an error for overcharging me last year so that my safe deposit box would be free of charge for life and that 's why I did n't receive any bill ( I trusted the bank and I did n't ask her to put on writing, that was my biggest mistake that I ca n't prove it since they destroyed all the records ). I was so happy for last 10 years and I did n't really receive any bill. 

I went down to the bank two days ago and tried to take something out of my safe deposit box. I was told they did n't have any info about my box. I talked to the assistant manager and found out my box had been drilled last XXXX and all my records was destroyed. They had been sent me notice to my old address since I moved 6 years ago. I guessed I did n't check my box for last six years since they still had my old address. I told her about my story and she said that was impossible as lifetime free of charge. I needed to pay {$390.00} to get my stuff back. She also told me to call the XXXX customer service number about the procedure on how to get my stuff back. When I called that number, the customer service rep. told me none of information came up with my ss # and box # search. He suggested me go back to the bank and spoke to the manger to give them a call with all the info. I talked to the manager on the phone this morning ; he could n't do anything for me. I needed to pay the {$390.00} for the rental fees for last two years and the drilling fee to have my stuff back. I do n't think that is right to charge me for the mistake that they made to have my stuff back. 
",,Consent provided,Web,2016-01-14,Closed with monetary relief,Yes,No,CR1743605,3687
2016-01-14,Credit card,,Rewards,,"I did n't receive my {$25.00} reward from the EN 's better reward credit card in XXXX 2015. According to their rep, it was because I did n't make any payment in XXXX 2015. However, I got couple refund from different merchants and I applied my previous reward credit to that statement, which made the balance became {$0.00}. The rep said in that case I should over pay in order to get my reward, which does n't make sense to me, as most financial institute do not allow over pay a credit card. And without somebody explicitly tell me to do so, no consumer would assume that applying reward credit does n't count as payment, and as said, it does n't make sense to over pay a credit card. 
",,Consent provided,Web,2016-01-14,Closed with explanation,Yes,No,CR1741212,676
2016-01-14,Credit card,,Billing disputes,,"My chipped credit card issued by FIA card services was hacked in XXXX. Several charges were removed from my bill but one charge made XXXX XXXX, 2015 for {$350.00} was made at a XXXX XXXX store and I have been assigned responsibility for payment. FIA requested documentation and got a copy of a credit card receipt from XXXX XXXX store XXXX obviously without my signature on the receipt. At that point FIA said I was responsible for the charge which is inaccurate. 
I have filed a report with Pennsylvania State Police. Case number is XXXX. 
",Older American,Consent provided,Web,2016-01-14,Closed with monetary relief,Yes,No,CR1742702,3915
2016-01-14,Bank account or service,Other bank product/service,Deposits and withdrawals,,"THE DECEPTION OF Eagle National Bank I submitted an application for a collateral loan with my passbook savings account as the support. The loan amount was {$5000.00} over 36 months. The payoff was completed in 15 months and to my surprise, my collateral was not in existence any longer. Why is a collateral in place when there is no intent on the lenders part to reinstate the original property? 
",Older American,Consent provided,Web,2016-01-19,Closed with explanation,Yes,No,CR1741036,4662
2016-01-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-01-14,Closed with monetary relief,Yes,Yes,CR1742341,3776
2016-01-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-01-14,Closed with monetary relief,Yes,No,CR1740296,836
2016-01-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-14,Closed with explanation,Yes,Yes,CR1742011,3094
2016-01-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-01-14,Closed with explanation,Yes,No,CR1742238,636
2016-01-13,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank charged me a {$35.00} overdraft fee on or around XXXX XXXX. I contacted XXXX to insure they would not attempt a second request for payment electronically and subsequently requested Eagle National Bank XXXX XXXX XXXX branch close my account on XXXX XXXX. The teller refused to close my account and insisted that I had to speak with an account representative elsewhere in the branch. I did not have the time nor do I think it is necessary for me to explain to anyone why I am leaving their bank. As a result, they have charged me an "" extended overdraft fee '' for another {$35.00} and $ XXXX monthly maintenance fee. Their banking practice is extorting money at the expense of consumers requests to leave. I am concerned about their actions, their access to my financial information and possibly reporting negative information to the XXXX credit bureaus. 
",,Consent provided,Web,2016-01-13,Closed with monetary relief,Yes,No,CR1739722,890
2016-01-13,Bank account or service,Checking account,Deposits and withdrawals,,"I am a green card holder from XXXX and I visited XXXX with my wife and daughter from XXXX XXXX to XXXX XXXX, XXXX. During my visit I renewed my debit card at a Eagle National Bank branch near XXXX XXXX. I used the new card once or twice for withdrawing a small amount of money at EN ATM and did not use it for shopping. When I checked my account online during XX/XX/XXXX, I noted that my debit card was used on many occasions for money withdrawal and shopping, after we left XXXX for XXXX on XXXX XXXX. More than XXXX USD was stolen from my checking account. I contacted the Bank ( made an online chat ) and explained the case. At first they charged my account with the exact amount stolen, but they reversed this credit later, claiming that the PIN number was entered at first attempt and the card was used many times, adding that if it were a fraud case, the money would have been withdrawn in one attempt! They required me to send the flight information, which I then faxed, for opening a second claim. In the mean time, I made online chat with the Bank from XXXX three times and lastly had a call on Friday, XXXX XXXX. I was told by the claim department that the fraud case was closed irrevocably! 
Long story short : my debit card must have been copied during my visit and misused after my departure. 
The card is not stolen, it is still by me! They do n't want to understand that I can not use the debit card while in XXXX for ATM withdrawals and shopping in the USA! 
They even implied that I was lying and was the real person using the card. 
I feel humiliated by the bank and want my money back along with a compensation. By the way, I am a XXXX ( XXXX ) and have a moderate sum of money in my saving account with the same bank. They apparently do n't take enough security measures at their ATMs. Instead of apologizing and refunding, they go the easy way and put the blame on the customer. I really have difficulties to understand how such a thing can happen in the heart of XXXX and how one brand name of America in the financial sector could behave such badly toward a senior customer. I am really very disappointed. Thank you for considering my case. Best Regards. 
",,Consent provided,Web,2016-01-13,Closed with explanation,Yes,No,CR1740188,4439
2016-01-13,Credit card,,Privacy,,"Contacted Eagle National Bank Credit Services prior to departing the country on XXXX/XXXX/2016 to inform them of a change of address. I will not have a physical address in the U.S. for at least the next 6 months. I have established a P.O. Box with the USPS and set mail forwarding to begin XXXX/XXXX/2016 when my lease terminates at my prior U.S. physical address : XXXX XXXX XXXX, XXXX, XXXX XXXX. I am out the country for work-related tasks. 

I informed Eagle National Bank of all of this and gave them my P.O. Box which will be in use for at least 12 months as per prior agreement with USPS. However, today I was unable to finalized a XXXX transaction using my P.O. Box address and instead had to use my prior physical address to finalize payment with my credit card for a bus ticket for work-related travel from XXXX XXXX, XXXX to XXXX XXXX, XXXX where I will be staying for approximately 6 months. 

When I logged in to Eagle National Bank Online Banking, no P.O. Box was listed so I manually added it myself, but was unable to switch my primary address from XXXX XXXX XXXX, XXXX, XXXX XXXX to my new P.O. Box address. I then called Eagle National Bank Credit Services and was told that this was a non-issue and the P.O. Box was listed on my account. I responded that of course it was, because I had just added it. However, this did not resolve the matter with not being able to change the primary address associated with the account. 

I informed XXXX ( from XXXX ; only identifying information I was given ; Supervisor named XXXX XXXX ) that I did not want to be transferred to Online Banking nor a supervisor. I considered the matter to be closed as this was my second attempt to inform Eagle National Bank in a timely and efficient manner of my change of address and travel/work-related needs. As the provider of my financial services, I informed XXXX that herself, her supervisor and their employer would be held responsible for the security of my personal information and the security/integrity of my financial information. No information should be sent from Eagle National Bank to my prior physical address : XXXX XXXX XXXX, XXXX, XXXX XXXX after the effective start date of my mail forwarding service with the USPS on XXXX/XXXX/2016. 

I am filing this complaint because XXXX was unable to give me a definitive answer abou the resolution of the update to information in Eagle National Bank 's system in regard to my primary address, as well as the fact that she negated or disputed whether or not the facts of the matter were as they are. Indeed, Eagle National Bank 's online account information still lists my prior physical address in the U.S. as my primary address. I also informed XXXX that if I had any further issues with finalizing financial transactions due to lack of recognition of my P.O. Box that I would file as many additional CFPB complaints as necessary to resolve this matter. 
",,Consent provided,Web,2016-01-13,Closed with explanation,Yes,No,CR1742065,3769
2016-01-13,Credit card,,Delinquent account,,"I had a credit card with Eagle National Bank. After my divorce, I did my best to keep up with payments on the account. I asked several times for any programs as I was struggling as a single parent and working less than full time. I was told there was no help. I made my last payment XX/XX/2013. I received judgment paperwork a few months ago and called the firm handling the collection. They proposed a payment that was completely unrealistic. I contacted them a second time and they told me to pay the whole thing and there were no other options. I am now being served paperwork at work for a garnishment. I have tried many times to come up with a compromise and I feel I am not receiving the options that should be available to me. I am working only XXXX hours at my job and I feel sending this paperwork to my employer only puts me in jeopardy of losing my job. I am hoping for a better resolution. 
",,Consent provided,Web,2016-01-13,Closed with explanation,Yes,Yes,CR1737990,657
2016-01-13,Bank account or service,Checking account,"Account opening, closing, or management",,"I had spoken with a representative to close my account. The account was not closed and kept getting charged maintenance fees without my knowledge, eventually causing it to overdraft. I found out about the overdraft via a letter received on XXXX XXXX, 2016. I visited a branch on XXXX XXXX, 2016 to speak with a representative to try to resolve the issue. I was informed that the account had been charged off on XXXX XXXX, the same day I received the overdraft notice. 
",,Consent provided,Web,2016-01-13,Closed with monetary relief,Yes,No,CR1742505,85
2016-01-13,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-01-13,Closed with explanation,Yes,No,CR1743709,3367
2016-01-12,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a checking account with Eagle National Bank after receiving a promotional offer. The offer was to give me XXXX Alaska Airline miles for opening an account and making XXXX direct deposits within a certain time frame. I completed the requirements within the specified timeframe and called twice to confirm with supervisors that I met the requirements before the promotional period ended. The supervisors confirmed I met the requirement on XXXX separate occasions. 
It has been approximately 7 months since I met the requirements and I have not received the miles. When I call EN they keep transferring me and I do not get an answer. On XXXX occasion a person told me my deposits did not qualify but I told that person I was told twice already they did. The person said he would forward my request to the promotions dept but I never heard from them. 
To be told after the promotional period they deposits did not qualify leave me no recourse to rectify. I opened in good faith the account and did all I could to meet the requirements and verify I met during the promotional period. The result of what I got was long delays in responses, no solid answers, and no miles. 
",,Consent provided,Web,2016-01-12,Closed with non-monetary relief,Yes,No,CR1738135,4525
2016-01-12,Credit card,,Closing/Cancelling account,,"Eagle National Bank is misreporting on my credit report a credit card that has been charged off. The account was charged-off back in 2012, however Eagle National Bank continues to report the account as an account as open but also with a past due balance, which is reflecting a missed the payment for every month since the charge-off date. Charge-off accounts can not be legally reported as having been past due every month after they 've been charged-off, they are supposed to show that the balance has been charged-off. Instead for the last 5 years, every month, they 've reported a new late payment on my credit report, so this account shows I have over XXXX late payments after it was charged off ( Please see attached excerpt of credit report ). This is a blatant violation of the FCRA. 
",,Consent provided,Web,2016-01-12,Closed with explanation,Yes,Yes,CR1739503,7299
2016-01-12,Credit card,,Credit card protection / Debt protection,,"XXXX XXXX XXXX has required that I get a new credit card number for American Express and XXXX approximately once a year ( sometimes more frequently ) without verifying a reasonable need to undergo the hardship that changing credit card numbers presents. Many Americans have the majority of their payments to businesses on automatic or recurring payments. When the credit card number changes, it is a very time consuming venture to change this number with all of these businesses. If one forgets to change the number with a business or the number does not successfully get changed, this can lead to late fees and can lead to a mark on the consumer 's credit record. In every case with XXXX XXXX XXXX, they gave an XXXX number to call with questions. It was said there was a merchant that possibly compromised the account but when asking the represntative which merchant was involved and what the compomise was, the answer is "" we do not have that information ''. I have called the customer service number each time to complain about this practice but no one appears to care what this is doing to consumers. The customer has a right to know why they are being put through all of this hassle and the credit card compny should be required to verify that it was a big enough threat to merit these inconveniences. It is even possible that XXXX is changing these numbers periodically in a similar fashion that is recommended for changing passwords. This is not acceptable. Please intervene an help to spur legislation that will prevent credit card companies from running consumers in circles just to protect themselves from the slightest chance of merchant compomise. If it has to be, so be it-but the consumer should have the right to know exactly what merchant is involved and what the violation was. 
",Older American,Consent provided,Web,2016-01-14,Closed with explanation,Yes,Yes,CR1739384,612
2016-01-12,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-01-12,Closed with explanation,Yes,No,CR1738265,2706
2016-01-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-12,Closed with explanation,Yes,No,CR1738500,3745
2016-01-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-01-14,Closed with explanation,Yes,No,CR1738969,3131
2016-01-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-12,Closed with non-monetary relief,Yes,No,CR1736142,420
2016-01-11,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank has charged to my account an overdraft fee when there was no overdraft incident. Attached is my Eagle National Bank Checking Account history. 
",,Consent provided,Web,2016-01-11,Closed with monetary relief,Yes,No,CR1736174,4740
2016-01-11,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Charged {$37.00} on XXXX & {$32.00} on XXXX. Total charge {$69.00}. Made XXXX Payment of {$69.00} on XXXX. Also made a XXXX Payment of {$1.00} on XXXX from XXXX XXXX Checking. XXXX XXXX, XXXX XXXX ONLINE PMT XXXX. On XXXX Eagle National Bank made a Small Balance Adjustment of {$1.00} taking my + {$1.00} balance to $ XXXX. Contacted BA & on XXXX they made a Small Balance Adjustment & returned the {$1.00} stating it was a computer error which left me a + {$1.00} balance. On XXXX another Small Balance Adjustment was made & they took the + {$1.00} from my account leaving me again with a $ XXXX balance. Unable to obtain any answer from BA Customer Service Dept. as to why this keeping happening except that it is a computer error. Need to know when they are going to return the {$1.00} to my account and what steps they are taking so this will not happen again. Was told this has happened to other clients also. 
",Older American,Consent provided,Web,2016-01-11,Closed with explanation,Yes,No,CR1735215,3031
2016-01-11,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX, I was XXXX on vacation. I have XXXX accounts with Eagle National Bank : On XXXX XXXX of 2015 my personal checking acct. received my monthly XXXX deposit of {$870.00}. This acct. had {$10.00} in it bringing the balance to {$880.00}. My other XXXX accts. had less than {$5.00} each. I added via online BofA transfer services, {$40.00} to my second checking acct. and {$300.00} to my XXXX acct. Later that morning I went XXXX to use the ATM to remove XXXX from XXXX XXXX to pay my rental and have some running around money. XXXX is a sister like bank to BofA. I had trouble with the ATM working and tried it a couple time. Each time failed. A overly helpful XXXX man who spoke XXXX, kept reaching into my ATM area and pushing buttons to show me how to use an ATM. I pushed him off and suggest he leave. He eventually did leave. I finally used my XXXX card and managed to pull out XXXX. Exchange rate at that time was about XXXX to XXXX dollar. I went back to the rental and went online to let BofA know that I was in XXXX. so they would release my funds. I saw that my online acct. was being hacked and half of my funds were already gone. As I could not phone BofA from XXXX with my cell phone, I went online to a chat room and reported what was happening. The chat person at BofA, although trying to be helpful, did not seem to understand that my acct. was being hacked at that moment and by the time I got off the chat. All XXXX of my accts. contained less than XXXX dollar. 
-- XXXX XXXX was the first time I could cross back into the XXXX, as I had to prepare for the worst and secure money for a trip back XXXX. The first thing I did was to go to BofA in XXXX XXXX and file a complaint with the bank. I showed my cards to the bank clerk and he handed XXXX card back that was not mine. I realized then that the person trying to help me at the ATM had stollen my card and replaced it with a card that looked like mine. This BofA clerk then made a call and turned me over to a representative. I explained what happened with the card and the acct. He said BofA was going to lend my acct. XXXX dollars. This BofA did not do, not a penny. 
-- On or about the XXXX of the same month, I spoke to a representative online and they did not understand the theft, I then asked to be transferred to an "" online banking fraud '' clerk. They transferred me and this person reviewed my acct. and immediately repaid my acct. XXXX. I then opened a savings acct. online. I called BofA and transferred that sum of money into the savings acct. with the help of a BofA clerk. All this was completed over the phone. 
-- I started to receive notices from BofA that my claim with the debit card fraud was denied and they were going to take back the XXXX dollars from my acct. Recall please ; that they did not add any $ to any of my accts. On XXXX/XXXX/2015 BofA charged my checking acct. a negative amount of money ; XXXX. The next day my XXXX deposit of XXXX dollars hit the acct. and my balance left out of it was {$180.00}. Which is where it 's at today. I have not touched this acct. and wish for my XXXX money to be restored in full. They said they were taking out for the money given me for the debit card fraud and took the money for??? 
-- A side note : BofA 's online accts ( like my acct ) were hacked in XXXX and XXXX for more than a XXXX dollars. At least that is what I read online. The method they described matched the way they hit my acct. 
-- I want my money back. I was insured. I want it back in my BofA acct. 

Thank you for your time. I hope to hear from you soon. XXXX XXXX XXXX XXXX XXXXXXXXXXXX 
",Older American,Consent provided,Web,2016-01-11,Closed with monetary relief,Yes,No,CR1736594,3003
2016-01-11,Credit card,,Billing disputes,,"I have a credit card company that is garnishing me. And That account was open back in 2006. I thought it was going to fall off by now. As well and a car that was a lemon that I have put so much money into to parts I really paid for the car. 
",,Consent provided,Web,2016-01-11,Closed with explanation,Yes,No,CR1737380,4930
2016-01-11,Credit card,,Rewards,,"Signed up for promotion between American Express/XXXX and XXXX via XXXX and American Express XXXX XXXX. Followed signup requirements, but American Express/XXXX did n't credit account after numerous contacts with the company. Via websites, this promotion had numerous issues that American Express/XXXX is loathe to fix. 
",,Consent provided,Web,2016-01-14,Closed with monetary relief,Yes,No,CR1735710,4795
2016-01-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank HAD AN ONLINE PROMOTION EXHIBIT XXXX AND IT WAS A {$150.00} BONUS IN 60 DAYS OF FULLFILLING REQUIREMENTS.FIRST WAS TO USE THE ONLINE PAGE TO APPLY, AND HAVE XXXX DEBIT TRANSACTIONS WITHIN 60 DAYS.I COMPLETED ALL THE EXACT REQUIRENENTS AS MY EXHIBITS SHOW CONCLUSIVELY. 
AFTER 60 DAYS NOTHING SHOWED UP AND I CALLED AND SENT EMAILS AND TRIED TO VISIT A BRANCH THAT WAS UNEXPECTEDLY CLOSED IN THE MIDDLE OF THE DAY.IT IS YOUR BASIC SCAM OF PHONE TAG WITH XXXX EXCUSE AND LIE AFTER ANOTHER WITH MANY, MANY REASONS FOR YOUR NOT QUALIFYING FOR THE BONUS, EVEN THOUGH YOU DID ALL REQUIREMENTS AND ALL THE PHONEY EXCUSES THEY CAN ATTEMPT, IN ORDER TO DISCOURAGE OR CONVINCE YOU THAT YOU ARE NOT ENTITLED UNDER THE CONTRACTUAL AGREEMENT TO THE BONUS. IT IS LIKE TREDDING WATER TO SPEAK TO ANYONE AT Eagle National Bank TO RESOLVE THE MATTER, SINCE IT IS A CORPORATE MINDSET TO BE UNETHICAL AND THINK NOTHING OF BREACHING AGREEMENTS EVEN IN THE FACE OF OPEN AND SHUT EVIDENCE.I TRIED FOR QUITE AWHILE TO GIVE THEM A CHANCE TO DO THE ETHICAL AND LEGAL CORRECT THING, BUT THEY REFUSED OVER AND OVER. SO, IT LEFT ME NO OTHER CHOICE THAN TO SUBMIT MY CASE TO YOU FOR RESOLUTION. 
",Older American,Consent provided,Web,2016-01-11,Closed with monetary relief,Yes,No,CR1736861,1407
2016-01-11,Credit card,,Rewards,,"I applied for and received a EN Cash Rewards XXXX XXXX credit card in XXXX XXXX. On XXXX/XXXX/XXXX I received the card in the mail. The letter I received from Eagle National Bank stated that I would earn 5 % cash rewards on eligible retail purchases ( defined as dining, grocery, gas, cable, phone and utility bill payments ) during the first XXXX billing cycles, up to {$450.00} cash back ( a copy of the letter is attached ). When I called to activate the card I was also informed that if I spent {$500.00} in the first 90 days I would receive a {$200.00} cash bonus and a XXXX Galaxy Tab 2 tablet. I received my first statement on XXXX/XXXX/XXXX and did not receive the 5 % cash rewards I was promised. I called Eagle National Bank on XXXX/XXXX/XXXX and spoke to Floor Supervisor XXXX XXXX. I was told that the card had been "" coded incorrectly '' so I was only receiving 2 % cash back on "" eligible purchases '' ( defined as dining, grocery, gas, cable, phone and utility bill payments made using the card ). XXXX XXXX told me that the account would be recoded and that I would definitely receive the 5 % cash back along with the {$200.00} bonus and tablet. She said that she would call me back in 7-10 business days. I contacted Eagle National Bank again on XXXX and was told that XXXX XXXX had not received a response from corporate and that I would hear back within 5 business days. I received my second statement on XXXX/XXXX/XXXX and again did not receive the correct 5 % cash back on eligible purchases. I spoke with EN Card services on XXXX and was told that XXXX XXXX had still not received a response from corporate and was resending her email to them. At this point I have exhausted my patience. 
",,Consent provided,Web,2016-01-11,Closed with non-monetary relief,Yes,Yes,CR1737494,11371
2016-01-11,Credit card,,Other,,"Target report me to credit agencies for a card my adult son XXXX XXXX obtained and did not pay. This is illegal and Target is refusing to do anything. I am ill and can not have this occurring especially now. XXXX just called and told me. 
",,Consent provided,Web,2016-01-14,Closed with non-monetary relief,Yes,No,CR1736842,6301
2016-01-11,Credit card,,Other fee,,,Older American,Consent not provided,Web,2016-01-11,Closed with monetary relief,Yes,No,CR1735627,2535
2016-01-11,Credit card,,Payoff process,,,,Consent not provided,Web,2016-01-12,Closed with monetary relief,Yes,No,CR1736357,1112
2016-01-11,Credit card,,Late fee,,,,Consent not provided,Web,2016-01-11,Closed with explanation,Yes,No,CR1735284,6944
2016-01-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-01-11,Closed with explanation,Yes,No,CR1736469,2970
2016-01-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-11,Closed with explanation,Yes,No,CR1735620,2267
2016-01-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-11,Closed with monetary relief,Yes,No,CR1736322,1323
2016-01-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-11,Closed with non-monetary relief,Yes,No,CR1737057,4070
2016-01-10,Bank account or service,Checking account,"Account opening, closing, or management",,"A former friend on XXXX & XXXX was advertising about making some money. Me being hard on times decided to go and try it out ( since this is someone I knew since high school ) i figured they would be legit. The deal was that she had an aunt who was having trouble transfering money to her account so she needed a bank account to transfer to. She was to transfer XXXX $ to my account and let me keep XXXX of it. That set off a red flag so I made sure to ask more questions about this being legit or am I going to have to worry about bank problems? She says everything is legit nothing to worry about and she proceeded to tell me its simple, how her aunt really needs help and she 's done it before for her cousins she just ca n't do it more than once on an account because of the amount of money she is trying to transfer to the country will look like fraud. I figured her aunt was just rich ( again this is a "" friend '' so I believe it ). I met up with her cousin and gave him the card with the pin and he assured me its all okay and he 's done it before. I suspect nothing wrong at the moment. The money is in my account but theres a hold on it. So she needs more information to get it through. She needs my social security so she can use the card because the people at the bank think its a fraud. Feeling funny about this I start backing out but again she calls me telling me its all legit & that we are friends and I should not worry. Im like okay sure why not.. So i check my Eagle National Bank app on my phone later in the day and see no transfer ... but a deposit of a check from XXXX made out to my name?? Red flags are going off like crazy now & I see now this was the "" aunt '' she was speaking of. I start getting emails about fraud from my bank like crazy. Im thinking she did say something about them mistaking it for fraud. I decide to call the bank anyway just in case fearing for the worst ... and before i can get through to them ( they have me on hold forever ) I check my account & it is suddenly closed now and I cant access my stuff. I call my "" friend '' right away and she assures me everything is fine just to relax and it 'll be fixed by the next day they have to go talk to the bankers to tell them whats going on. I leave it alone for a day, hope for the best to see if my account went back to normal and nothing. My account is closed and now no word from the "" friend '' I was dealing with. I go to my bank and they tell me because I did not get back to them within the time frame my account is shut down and I will need to go to check systems about this. This was back in the end of XXXX of 2015. I have n't had the means to be able to deal with this situation & am now finally ready to file a complaint. I was obviously duped and would like to know what I can do to fix this situation? I can not open up another bank account because of this and would really like to get this handle as soon as possible. There were deposits & withdrawals made to my account at Eagle National Bank locations in XXXX XXXX XXXX XXXX NY. I was living in XXXX at the time and the account had my address information and everything. Hopefully this can all work out for the best but I just want to figure this out and get this behind me once and for all. Thank you for your time. 
",,Consent provided,Web,2016-01-10,Closed with explanation,Yes,No,CR1735005,3319
2016-01-10,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I cancelled my Eagle National Bank debit card to stop automatic debits on my account. The vendor in particular was XXXX. After a few months the debit reoccurred on my new card account without my permission. I did not authorize Eagle National Bank to furnish this new account information to this company. I did not provide the information to the company. 
",,Consent provided,Web,2016-01-10,Closed with explanation,Yes,No,CR1735406,2554
2016-01-10,Credit card,,Identity theft / Fraud / Embezzlement,,"Hi there, on XXXX/XXXX/2015 while I as in XXXX on a business trip I got Victim of a XXXX and I got XXXX, they took my wallet with all my credit cards, money and Id 's, cellphone, Jewelry ( XXXX ). These people got access to all my credit cards and made heavy use of it. I notified the police in XXXX police report # XXXX right after I was able to and also all the financial institutions in XXXX . for my surprise XXXX of my credit cards from Eagle National Bank XXXX master cards the fraud department is saying the transactions are valid and i 'm liable for. 
",,Consent provided,Web,2016-01-10,Closed with explanation,Yes,No,CR1735455,1157
2016-01-10,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2016-01-10,Closed with explanation,Yes,No,CR1735256,1665
2016-01-09,Bank account or service,Checking account,Deposits and withdrawals,,"I endorsed my paycheck with signature and account number, I also added my bank mail address to front of check. Then I asked my wife to deposit my paycheck into my Eagle National Bank account. The bank teller gave my wife a difficult time about accepting the deposit and told her she should have taken the check to an ATM, then they demanded ID and other items for her. She was only acting as my courier. Finally they accepted my paycheck but deposited into the wrong account, a joint account I have with my wife. 
This is not the first time this has happened. I called the bank and complained vigorously that evening. The following day my wife went to the bank and demanded they fix the mistake On other occasions, the teller has instructed my wife that if she were to deposit checks written to me into her joint account, she could then draw the money out or have access to the money. My wife and I have an excellent relationship and we keep our finances separated to help with that. 
",,Consent provided,Web,2016-01-09,Closed with explanation,Yes,No,CR1735037,2885
2016-01-09,Credit card,,Credit line increase/decrease,,"I called Eagle National Bank to inquier about a credit line increase. The rep assured me that it would not be a hard inquiry. She assured me 4 times and than a 5th time that there will not be a hard inquiry on my credit. I received an email from XXXX 5 minutes later stating there was a hard inquiry on my credit report from Eagle National Bank. I called back and the next rep told me that there is always a hard hit and didnt know why the first rep told me. I requested to have the call pulled. The 3rd customer service rep said she would go ahead and see what could be done. Eagle National Bank put a hard pull on my credit report after stating over and over again that it would not be a hard pull 
",,Consent provided,Web,2016-01-14,Closed with non-monetary relief,Yes,No,CR1735096,66
2016-01-09,Credit card,,Identity theft / Fraud / Embezzlement,,"I went to my local Eagle National Bank branch to open a checking account and was told they could not proceed with my request because my social security number was already in use by another customer. I went home and created a mySocialSecurity account online and verified there are no unidentifiable earnings attributed to my SS #, so no one is using my number for work purposes. I then ordered my free annual credit report and identified one, open Eagle National Bank credit card account that does not belong to me with a historical high balance of {$5400.00}. Eagle National Bank referred me to the SSA but since this is not a work/earnings issue there is nothing for them to do. How do I get Eagle National Bank to investigate on their end? 
",,Consent provided,Web,2016-01-09,Closed with non-monetary relief,Yes,No,CR1734857,4006
2016-01-09,Credit card,,Other,,"Please know that I have filed a lawsuit against Eagle National Bank, XXXX, XXXX, And XXXX concerning the tradeline on my credit report from Eagle National Bank. I have already prevailed in XXXX of the cases against XXXX of the agencies. I have enclosed a copy of the complaint and proof of service. I am trying to avoid Small Claims and civil case. I am giving one last opportunity to correct their mistake and remove Eagle National Bank completely off of my credit report or correct the trade line as never late. 

In a recorded conversation, the representative said that they were not able to prove/send me anything that I was ever late. I have shared this phone call with the credit agency, and to Eagle National Bank Corporate, yet they continue to report inaccurate information about me and I have sent several rounds of letters to both Eagle National Bank And The Credit Agencies, all whom now have individual cases that I have brought against them, XXXX of which I have already prevailed with damages under the FCRA. 

At this point the damage has been done and I am holding all parties from the Information Furnisher to the credit agencies all responsible and have yet to receive any correspondence from Eagle National Bank Or The Credit Agency regarding any responses to my letters that I have sent certified mail, all were received. 

All of my previous letters via certified mail stated my reasons for dispute and were not frivolous in anyway. 

I will prevail as the protections afforded to me under the FCRA entitle me to {$1000.00} per violation. This is my final communication attempt before court in XXXX. 
",,Consent provided,Web,2016-01-09,Closed,Yes,Yes,CR1733495,5321
2016-01-09,Bank account or service,Checking account,Problems caused by my funds being low,,"I am an account holder for my personal, business and Interest on Lawyer 's Trust Account ( IOLTA ) accounts. In addition, I have a joint account with my husband, XXXX XXXX. My husband also has a separate account and we have XXXX savings account for our children. All of these accounts are with Eagle National Bank. 
I am astonished at how many overdraft fees that have been charged to my accounts. The following fees have been accessed since XXXX of XXXX : Business checking assessed {$18000.00} XXXX Simple Checking assessed {$3100.00} XXXX simple checking assessed {$3700.00} After reviewing all of our accounts, we are outraged at the amount of insufficient funds we have been charged on these accounts. I have numerous times demanded that I be removed from the overdraft protection on all accounts. Several times it was never completed. Finally, in XXXX of XXXX I again asked to be removed from overdraft protection because charges were allowed to go through when funds were not available in the account and I would be charged an overdraft fee for each of those transactions. I was told I was removed only to find out as of today more numerous overdraft charges are still being assessed to my account. When I called today to protest the representative informed me that I was not "" fully '' removed from the protection. I demanded an explanation as to why I was n't "" fully '' removed on all of my previous attempts. She did n't have an answer and actually hung up on me. 
I have learned from your representatives and from my own research that Eagle National Bank is notorious for running larger amount of transactions first and then running all the lesser amounts so that more transactions can be assessed the overdraft charge of {$35.00} for each transaction. These transactions are usually in the tens of dollars and often as little as a {$1.00} and for each transaction I have been charged {$35.00} in transaction costs, totally over {$25000.00} in overdraft fees. This is outrageous. I can not imagine how Eagle National Bank is permitted with federal oversight to engage in such price gouging. I also can not imagine this has n't received more attention from consumer advocacy groups or even account holders. 
",,Consent provided,Web,2016-01-09,Closed with explanation,Yes,No,CR1734969,3252
2016-01-09,Credit card,,Rewards,,,,Consent not provided,Web,2016-01-13,Closed with monetary relief,Yes,No,CR1735014,4644
2016-01-09,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-01-09,Closed with monetary relief,Yes,No,CR1734047,1570
2016-01-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-09,Closed with explanation,Yes,No,CR1734652,1350
2016-01-08,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank treated my unfairly by charging me XXXX {$35.00} overdraft fees. I had {$220.00} in my account on XX/XX/2016. I charged {$4.00}, {$84.00}, and then an automatic deduction posted for {$230.00}. They allowed my debit card to work so I believe the auto payment took place after the XXXX smaller charges. They cheated me out of {$70.00}. I believe I should be penalized for the {$230.00} charge only. I would like to receive credit for both erroneous fees. I called today, waited on hold XXXX minutes, the employee waive XXXX fee and I requested to speak with her supervisor. She placed me on hold, came back XXXX minutes later and said she would now transfer to supervisor, the phone rang XXXX times and they disconnected me. 
",,Consent provided,Web,2016-01-08,Closed with monetary relief,Yes,No,CR1731968,1252
2016-01-08,Bank account or service,Checking account,Problems caused by my funds being low,,"I incurred XXXX overdraft charges on my checking account on XXXX/XXXX/15 of {$35.00} each, for a total of {$100.00}. My account was overdrafted by & lt ; {$500.00} on XXXX/XXXX/15. 
I have several account notifications set up through BofA.com to inform me if my account balance drops below {$500.00}, my account overdraws, etc. When I received an email on ( XXXX/XXXX/15 ), I immediately transferred {$1500.00} from my Bofa Savings to BofA Checking ( XXXX linked accounts ). This was more than the overdrafted amount. I still incurred XXXX fees of {$35.00}. 
I called to have these fees removed. The initial customer service rep ( XXXX ) was very pleasant but her manager ( XXXX ) was incredibly rude and condescending. I kindly requested for the overdraft fees to be removed as I had not received any notifications until it was too late. The purpose of setting up the email notifications is to inform me BEFORE fees are incurred, not after. She said that is not their responsibility and told me I needed to have made a cash deposit before XXXX on XXXX/XXXX/15. She did not answer my further questions and hung up on me before our conversation was over. 
",,Consent provided,Web,2016-01-08,Closed with monetary relief,Yes,No,CR1733303,6039
2016-01-08,Bank account or service,Checking account,Problems caused by my funds being low,,"Re : Your email dated XXXX/XXXX/XXXX on the Case number : XXXX Dear Sir or Madam : The response provided to you by Eagle National Bank regarding my complaint is completely untrue and, in contrast, proves my claim that the EN has utterly failed to provide notice in a timely manner before they improperly charged me {$100.00} or more in fees because : 1. one and only notice that the EN provided to me was too late in that I received it in the mail on XXXX/XXXX/XXXX ; and 2. When I protested such unfair fee charges in person at the XXXX XXXX branch around XXXX XXXX on XXXX/XXXX/XXXX, the guy at the branch told me that I should have acted a lot earlier, which the EN had made totally impossible for me. 
Again, I request that the EN refund me any and all charges and be sanctioned properly to protect consumers like me from the same misconduct in future. 

XXXX XXXX 
",Older American,Consent provided,Web,2016-01-08,Closed with explanation,Yes,No,CR1731425,3862
2016-01-08,Credit card,,Customer service / Customer relations,,"I have a XXXX American Express credit card. I have not used it since XX/XX/XXXX, and due to a return credit, have, or had, a credit balance of {$18.00}. 
I looked at my account online XX/XX/XXXX to research a prior purchase to discover XXXX fraudulent charges, XXXX XXXX XXXX/XXXX/15 for {$870.00} to a liquor store in XXXX, XXXX, XXXX to a fast food place for {$3.00} in XXXX and {$25.00} Service. 
I live in Massachusetts and have been with family in XXXX, XXXX from XX/XX/XXXX. I have not been to Michigan and the charges are not mine, clearly an error or fraudulent. 
I called the credit card number and was speaking with XXXX XXXX - - - - questions are concerning and most annoying - - - like how long at my address, how many bedrooms in my house, my driver 's license number, my social security number, what days will I be driving back to Massachusetts - - - - I finally became concerned and suspicious about the nature of quantity of questions, and she said she would not do anything about it. Compounding, I did not have total privacy in answering questions and I was on a cell phone. 
A statement was issued the following day requesting me to make payment of {$860.00} after losing my credit balance of {$18.00}. 
XXXX XXXX at American Express was obnoxiously uncooperative. 
",Older American,Consent provided,Web,2016-01-14,Closed with explanation,Yes,No,CR1731506,12221
2016-01-08,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened an account with Eagle National Bank. I moved out of the area ( from XXXX to XXXX ). I called to close my account. I was told that I could not close the account over the phone -- I had to mail a notarized letter to close the account. The letter had to be sent to the branch where I opened the account but the representative could not tell me where I opened my account for security purposes. It 's been years since I opened the account and it was in XXXX -- there are dozens of possible locations. I guessed as to which branch I opened the account at and I sent a notarized letter via certified mail, which was received on XXXX XXXX, 2015. It has been two months. I have called several times, both to the branch and the normal customer service line. Nothing has changed and I still do n't have my money. 
",,Consent provided,Web,2016-01-08,Closed with non-monetary relief,Yes,No,CR1733591,4688
2016-01-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"In XXXX 2015, my banking information was somehow compromised, and {$560.00} was fraudulently taken from my Eagle National Bank checking account through an old XXXX account. When this fraudulent charge occurred, it caused my checking account to have a negative balance. I then received XXXX overdraft fees totaling {$140.00} for purchases that were already pending on my account at the time of the incident, and had no access to any of my funds for over 3 days. 

XXXX customer service refunded me the {$560.00} the next business day. However, Eagle National Bank, refused to give me the {$140.00} in overdraft fees back, saying in error had not been made, since my account was negative ( even though the charges that caused the negative balance were fraudulent ). 

This is the most insane thing I 've ever heard a bank tell me. Customers should n't be held liable for expenses occurred during fraudulent charges, and in doing so the bank attempted to profit from a situation that I had no control over. 

I had to fight with Eagle National Bank for almost a month to recoup these fees. I encountered the most indignant, unempathetic, and rude, customer service that I have ever experienced in my life. I called customer service over six different times, and visited a branch in person on three separate occasions in attempts to settle this incident. Every employee that I encountered, including supervisors, were extremely rude and told me that "" the overdraft fees were not their problem ''. When I spoke to an employee over the phone and told him that this was Eagle National Banks problem to fix, your employee rudely balked back "" No, it 's your problem since it 's your money ''. 

Additionally, no notes were ever made on my account ( after it was promised that it would be ) which meant I had to retell each EN phone customer service representative the 10 minute background narrative, over and over again with each new call. 

Not knowing where to turn, I eventually conducted a three way phone call with XXXX regional supervisor and a Eagle National Bank supervisor. During the call, the Eagle National Bank supervisor argued with XXXX claiming that THEY needed to give me the {$140.00}. XXXX responded that they could not give me money back that they did not take in the first place. XXXX refunded me the {$560.00}, but Eagle National Bank issued the {$140.00} charge. Eagle National Bank owed me the reimbursement. After an hour on the phone with the XXXX representatives, the XXXX supervisor warned that Eagle National Bank was opening themselves up for a lawsuit - profiting from a fraudulent charge is against the law. Only at that moment did Eagle National Bank finally agree to refund me my {$140.00}, but this was not done with an apology or remorse. The supervisor continued to act like a favor had been done. 

I asked Eagle National Bank to keep the accounts open until my upcoming paycheck posted ( direct deposit ). 

Eagle National Bank then opened and closed my checking accounts and debit cards 3 separate times without notice over the next two weeks which caused my paycheck to be lost for days. I closed the checking and savings accounts at the XXXX location on XXXX/XXXX/15. 

My third account with Eagle National Bank, a money line of credit, had a balance when I closed my checking and savings account. I paid it off in three weeks, and have been trying to close this account ever since. I have now requested for my Eagle National Bank money line account to be closed at least XXXX times - in person, via email, and online. I 've sent numerous emails, faxed a letter from a physical branch, mailed a letter to their headquarters, and messaged the bank through their online message portal. 

XX/XX/XXXX I received a bill from Eagle National Bank stating that I owed them XXXX dollars by XX/XX/XXXX for the money line account annual fee. This is absurd. I have been trying to close this account for months, and have documented proof. I am not paying a annual fee for an account that is only open because EN is attempting to hold it hostage. 
",,Consent provided,Web,2016-01-08,Closed with monetary relief,Yes,No,CR1733442,3039
2016-01-08,Credit card,,APR or interest rate,,,,Consent not provided,Web,2016-01-08,Closed with monetary relief,Yes,No,CR1733439,2489
2016-01-08,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-01-08,Closed with explanation,Yes,No,CR1731650,3791
2016-01-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-01-08,Closed with monetary relief,Yes,No,CR1734264,569
2016-01-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-08,Closed with monetary relief,Yes,No,CR1732309,3542
2016-01-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-08,Closed with explanation,Yes,Yes,CR1733537,3271
2016-01-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2016-01-13,Closed with explanation,Yes,No,CR1734294,3165
2016-01-07,Bank account or service,Checking account,"Account opening, closing, or management",,"Back in 2013 I was given a USPS money order from an individual and it turned out to be a fake money order. Not knowing that I deposited the money order in my account and it was returned due to it being a fake. I reported the incident to the Postal Service and they told me they would look in it. Meanwhile Eagle National Bank which was my Bank at the time quickly closed my account and reported my name to XXXX without ever contacting me or anything. This is all for {$11.00} which was paid back in XXXX of XXXX. It clearly shows account paid in full on my XXXX profile and yet Eagle National Bank refuses to remove the information and I can not open any account at any Bank with this information on my profile. This is totally unfair. I was a victim of fraud and non of this was my fault. B Of A never bothered to help me in this case and they blamed me for it and closed all doors on me. I just want my name removed from XXXX. 
",,Consent provided,Web,2016-01-08,Closed with explanation,Yes,No,CR1731298,4194
2016-01-07,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank recently held a check of mine for approximately two weeks without any warnings. They did this another time for around 5 days, also with no warning. This caused me all kinds of aggravation and fees from them as well as vendors that I made payments to. This has made me problems in personal as well as business accounts. They also repeatedly put my checks through twice even though I never asked for it and they charge me XXXX fees per check. I discussed this several times with personal bankers and got nowhere. I have now told them that I am done banking with them and have taken my business elsewhere. I asked them to close my accounts and send me a bill. Instead they keep my accounts open and keep racking up more bogus fees. Now for some reason they have a recording calling my PARENTS house several times a day. I do n't think I ever gave them that number and I need them to cease and desist. They should also remove all these fees from my accounts but at a minimum stop the harassment. 
",,Consent provided,Web,2016-01-07,Closed with monetary relief,Yes,No,CR1731161,4696
2016-01-07,Bank account or service,Savings account,Deposits and withdrawals,,"I have a joint account at Eagle National Bank with my husband. My husband also had a joint account at Eagle National Bank with his son that was opened when his son was a minor and needed a parent/guardian on the account. His name had never been removed from their joint account although his son is now an adult and no longer resides at our residence. My husbands ' son 's account was apparently overdrawn and they withdrew funds from my and my husbands joint checking AND savings account and placed them in his son 's overdrawn account without permission or knowledge from either myself or my husband. My husband did, on the day we discovered the withdrawal, close the joint account as the Bank would not remove his name from the account without his son being present and we were not able to reach him. 
",Servicemember,Consent provided,Web,2016-01-07,Closed with explanation,Yes,Yes,CR1731945,999
2016-01-07,Bank account or service,Checking account,Problems caused by my funds being low,,"On XX/XX/XXXX, a payment came through to my Eagle National Bank checking account which over drew my account {$1.00}. When i realized this i tried to call EN for 4 days straight because they notified me that they would add another {$35.00} fee for extended overdraft. I am a college student and in between student loan refunds for the semester so i did n't have {$2.00} to cover the {$1.00} that was overdrawn. In addition most banks give consumers at least 24 hours to bring the account current before adding a fee. EN added the fee the same day, even though I NEVER signed up for overdraft protection and they could have not paid the charge and rejected it. I attempted to call EN over the course of 4days, and on XX/XX/XXXX emailed them. If i had spoken with someone from Eagle National Bank, this fee would have been waived and the account would have been brought current, eliminating the need to then charge me another {$35.00} fee for being {$1.00} over drawn. 

To summarize EN paid a charge on my account without my authorization, bring my total account balance to - {$1.00}, and then charged me a total of {$70.00} in fees, which is predatory and excessive. 

I would like the total amount of fees {$70.00} returned to my account. 
",,Consent provided,Web,2016-01-07,Closed with monetary relief,Yes,No,CR1731457,842
2016-01-07,Credit card,,Billing statement,,"Eagle National Bank 's automatic payment options are deceptive and, it seems, drafted with the only purpose of causing people to incur finance charges that they would not otherwise incur. The options listed are as follows : ( 1 ) Always pay Minimum amount due as indicated on e-Bill ( 2 ) Always pay Amount due as shown on e-Bill ( 3 ) Always pay Statement balance as shown on e-Bill I selected # 2, which ended up being interpreted by EN as paying the minimum amount ( i.e., the exact same as option # 1 ). As a result, I was charged finance charges for four months even though I had intended to pay the full amount due. I called Eagle National Bank and was able to get the finance charges rescinded, but I have a significant concern that Eagle National Bank is engaged in a fraudulent business practice. The first two options mean the exact same thing ( and the company representatives I spoke to could provide no explanation for why there were two options that mean the same thing ) and can only be drafted in the way they are drafted to deceive people into paying the minimum amount rather than the full amount and incur finance charges. I received no assurances that EN would change the drafting nor any explanation for the deceptiveness. 
",,Consent provided,Web,2016-01-07,Closed with monetary relief,Yes,No,CR1733158,4355
2016-01-07,Credit card,,Rewards,,"I applied for the card and was approved, however shortly after that my account was shut-down by the verification department and they requested I supply XXXX, copy of social security card, and state ID. I furnished those documents. The reps at the department re-opened my account however that was after the 90 days of account opening which I was not able to earn the XXXX bonus points offer. I meet the purchase requirements and I would the bank to steps in understanding the situation and correct this. 
",Servicemember,Consent provided,Web,2016-01-12,Closed with non-monetary relief,Yes,No,CR1732184,2193
2016-01-07,Credit card,,Billing disputes,,"XXXX XXXX, 2015, I made a {$25.00} donation to my XXXX support group using my Eagle National Bank XXXX. I never received the bill and, admittedly, I forgot about it until XXXX my other credit cards was canceled because of the outstanding delinquency on XXXX XXXX, 2015 ( FIA Card Services ). When I bought my credit report from XXXX on XXXX XXXX, 2015, I found out about the unpaid bill and promptly contacted Eagle National Bank by phone ( to find out the total outstanding charges, including finance charges and/or late fees ), and paid the bill online that same day ( payment cleared the bank XXXX XXXX, 2015 ). I also requested Eagle National Bank send me a copy of the outstanding bill, which they did. When I received the copy a week later, it said the amount due was {$28.00} ( the amount of the payment I made ) ; the due date was XXXX XXXX, 2015. When I received an updated copy of my credit report from XXXX ( dated XXXX XXXX, 2015 ), I was stunned to see that, although my Eagle National Bank account was now showing the status as "" current, '' there was another outstanding bill for {$1.00}. For the second time, I had to call and request a copy of the bill by phone. I paid it XXXX XXXX, 2015 ( the due date on the bill is XXXX XXXX, 2015 ), but I 'm disputing the additional charges ( listed on the bill as "" minimum interest charges '' ). I 'm also disturbed that I received no bills in the last 6 months, except when I phoned them to request duplicates. What 's wrong with this picture ...? 
",Older American,Consent provided,Web,2016-01-07,Closed with monetary relief,Yes,No,CR1731537,4340
2016-01-07,Credit card,,Billing disputes,,,,Consent not provided,Web,2016-01-07,Closed with explanation,Yes,Yes,CR1732959,2882
2016-01-07,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-01-12,Closed with explanation,Yes,No,CR1732305,1157
2016-01-07,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-01-07,Closed with explanation,Yes,No,CR1732231,952
2016-01-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2016-01-07,Closed with explanation,Yes,No,CR1732469,1762
2016-01-06,Bank account or service,Checking account,Problems caused by my funds being low,,"A number amount of overdraft fees that has my account in a major negative balance 
",,Consent provided,Web,2016-01-06,Closed with monetary relief,Yes,No,CR1728610,173
2016-01-06,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank placed a fraud on my account with XXXX and has yet to show hard core evidence that it was me who placed bad checks into the ATM. I have repeatedly asked them to review ATM video footage and to review whose signatures were on the endorsed checks and still nothing has happen. I even wrote the XXXX and XXXX of Eagle National Bank and I thought it was resolved, but now nobody is responding to my letters, my requests, or my complaints. And still, I am unable to open up an account with any other bank until that has dropped off XXXX or Eagle National Bank remove the fraud status. I even requested Eagle National Bank to allow me to reopen an account with them, but restrict ATM deposits because I earnestly need a personal checking and savings account. I am writing because I feel like Eagle National Bank feel that their size and status as a bank entitle them to report and to harm the lower class people because we can not afford to retain attorneys to argue for us. I hope this agency will not allow Eagle National Bank to treat me like I am nothing and to hold them accountable for their injustice. 
",,Consent provided,Web,2016-01-06,Closed with explanation,Yes,No,CR1730640,3615
2016-01-06,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank understands I have not opted into the overdraft protection feature, yet they keep feeing me into the red, even after paying off a negative balance during hours. They simply ignore the deposit and roll the fee over, this has happened about 5-10 times to me in my lifetime. This is the 3rd report I 've made against them. They are currently doing it today, I 've been waiting to speak to a representative for about an hour now, with nothing more then a XXXX jingle and some computer lady reassuring me to stay on the line ... .... 
",,Consent provided,Web,2016-01-06,Closed with monetary relief,Yes,No,CR1727981,3881
2016-01-06,Bank account or service,Checking account,"Account opening, closing, or management",,"Certain time periods of time in the year we deposit checks to our personal account at EN and also our clients deposit to the same account because of clients convenience sake.We also take business checks for business account with another bank and deposit into our personal account at EN. Because of this process our checks have never bounced from either account. 
we have been account Eagle National Bank since 1977 
",Older American,Consent provided,Web,2016-01-14,Closed with explanation,Yes,No,CR1729778,2517
2016-01-06,Bank account or service,Checking account,"Account opening, closing, or management",,"I 'm house wife and not involved husband 's business and Eagle National Bank reported to XXXX with my husband ( complaint number # : XXXX ) 
",Older American,Consent provided,Web,2016-01-14,Closed with explanation,Yes,No,CR1729532,3919
2016-01-06,Bank account or service,Checking account,Deposits and withdrawals,,"I 've complained about EN unnecessarily delaying crediting my account because they want to float my money for weeks, and it 's become clear that EN 's need for greed has again surfaced. TOday. XX/XX/2016 I attempted to deposit a check from my XXXX retirement account to my EN checking account, as I have on many occasions at this branch only to be told that "" the computer '' said there would be a delay in crediting my account because of the size of the check, which was $ XXXX. The last time they pulled this the check was at or just over $ XXXX and held me up for 2 weeks while they used my money to inflate their balance sheet. On most of my transfers between my XXXX account and my EN account I deposit the money one day and it 's available the next. I do n't care if they report the deposit to the government in an effort to prevent illicit money laundering, or other criminal behavior, I 'm glad they do, but I 'm sick and tired of them holding me up in order to use my money for their gain. The EN bank agent said that the "" computer '' told her the bank had to hold the funds, and although she did n't say it would be 2 weeks, that is what it was the last time they pulled this trick. Actually they pulled it with a EN credit card refund as well and I think I complained about that too. EN is run by a bunch of bandits and they need to be fined or jailed. I would n't be writing if I was a new depositor, or this was a first time transfer between these XXXX accounts, but I have a long history of making these transfers to cover family expenses that exceed my limited retirement income. I had the branch cancel the deposit and return my check, which they did and I told them I would file a complaint with the government, which I am. Congress wont lock these thieves up, I will if this was an illegal act. 

"" The computer said '' is not a satisfactory excuse and unless there is Federal Law that says they have to delay giving me my money, this is not only horrendous customer service, if it was an illegal tactic then I want the appropriate penalty to be levied. 
",,Consent provided,Web,2016-01-06,Closed with explanation,Yes,Yes,CR1728142,4122
2016-01-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,"XXXX XXXX does not honor their over draft policy and Eagle National Bank co horsed and did n't give me my overdraft services like my banking contact says. Then they give me a low daily limit so i cant get all my money at once. 
",,Consent provided,Web,2016-01-06,Closed with explanation,Yes,No,CR1727429,2886
2016-01-06,Credit card,,Other fee,,"During my XXXX billoing cycle, BofA charged me {$30.00} in interest, even though I paid the previous month 's balance in full, as shown on the XXXX billing statement ( attachment ). This is my first inquiry. 

Also during my XXXX billing cycle, Eagle National Bank issued me a credit of {$10.00} for a fee they waived from my account. Therefore, at the end of the billing cycle in XXXX, I paid my full balance minus {$10.00}, assuming that the {$10.00} refund would apply towards my account balance. 
However, in the XXXX statement, I was assessed an interest charge of {$31.00}. When I called Eagle National Bank to ask why, they said that I had underpaid by {$10.00} because the {$10.00} refund of the fee did not apply until the next billing cycle XXXX. My second inquiry is this : if the {$10.00} appeared on the XXXX statement as a credit, how can they not apply it toward my outstanding balance? I believe this is deceptive. 

I then asked how a {$10.00} underpayment could lead to {$31.00} in interest. They told me that underpayment on the account causes any purchases after the underpayment to be considered part of the average daily balance, even if they are part of the current billing cycle which is normally subject to the usual grace period for payment. This is the third inquiry. This explanation does not make sense to me, nor can I find it documented in the Terms and Conditions of the card. Extended questioning of over XXXX minutes with the customer service representative also did not yield any clear answers - they just kept referring me back to the Terms and Conditions. 
",,Consent provided,Web,2016-01-06,Closed with monetary relief,Yes,No,CR1729570,3039
2016-01-06,Credit card,,Closing/Cancelling account,,"I am in debt to Eagle National Bank with a past credit card balance. Eagle National Bank hired the law firm XXXX, XXXX, XXXX XXXX XXXX XXXX. Their address is XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, New York XXXX. I had several harassing conversations with their representatives. Firms telephone # XXXX. This firm and Eagle National Bank are in violation to the Fair Debt Collection Act. They have consistently mocked, ridiculed, harassed and refused negotiations with me. This has been done all under the pretense that they are 'collecting a debt. ' The firm has recently entered a judgement against me for the original amount I owed plus court costs & legal disbursements, {$17000.00}! 
The firm that Eagle National Bank hired is in direct violation of the FDCPA because they : 1 ) talked to a 3rd party about my debt 2 ) they made alarming personal comments to me 3 ) they refuse to attempt ANY negotiations with me because of their discriminatory reasoning. 
Due to a disastrous divorce I was unable to pay my Eagle National Bank credit card. I had several conversations with the firm hired & consistently told them of my situation but was willing to negotiate an amount to settle the account. I have been in contact with them over the past year. They in turn ridiculed, mocked and harassed me with calls, letters and now a judgement for the full amount plus their incidentals. They specifically mocked my ability to repay the entire amount and went to great lengths to intimidate me. At XXXX point "" XXXX XXXX '' from the firm was yelling at me that I "" live better than him! '' He had XXXX a previous potential sale of my house. I told him I was forced to put my house up for sale after the divorce but was lucky to have the support of my family so I took it off the market. He made several alarming comments, told me my kids were my problem & that I needed to find the money to pay. He also reminded me that he knew where I lived. I was alarmed to say the least! On another occasion he looked up my old XXXX records and saw that I owned a XXXX. I told him it was old ( XXXX ), from my previous marriage and had over XXXX XXXX miles on it! He belittled me to no avail and I was bombarded by him with several legal notices, documents and letters of collection. 
I strongly believe that collections is NOT based on assets but on ability to pay. The firm refused to negotiate to any extent, they wanted only the full amount. Their discriminatory reasoning was that I had what they wanted & I had to pay the full amount no matter what. Not a dollar off was ever offered. 
I also, strongly believe that the CFPB is designed to regulate the banks from taking these draconian personal tactics to collect debts. I am a single mother, with XXXX children & with the support of my family have been trying to work with the creditors that are willing to negotiate with me. I am trying to rebuild my life & have successfully repaid XXXX XXXX XXXX XXXX in a repayment plan with XXXX. 
I do NOT want any further communication with any of Eagle National Bank 's sub vendors, specifically NOT with firm who I had contact with. I would like the judgement entered against me on behalf of Eagle National Bank to be removed in its entirety due to the several violations to the Consumer Financial Protection Bureau Act. Lastly, I would like to negotiate directly with Eagle National Bank to settle my account. Any & all communication must be done in writing only via mailed correspondence. Thank you for your attention in this matter. 
",,Consent provided,Web,2016-01-06,Closed with explanation,Yes,No,CR1729634,1771
2016-01-06,Credit card,,Balance transfer,,"I called XXXX XXXX XXXX to activate a replacement credit card today. The call was at approximately XXXX EST. The rep activated the card. He tried to sell me a balance transfer. I declined. He asked if I had any other questions. I told him I had recently transferred a balance to this card, and asked if I made a purchase how I would make a payment to avoid accruing interest. He gave me the correct information and then proceeded on a sales pitch to try to max out my credit line by direct depositing money into my account with a 4 % fee ( 18 month balance transfer ). He then went into the current soft pull of my credit report and told me that he saw I had outstanding balances with other banks and proceeded to use this information to try to sell me a balance transfer. 

I do n't have a problem with credit card companies offering their products and services. I do take issue with high pressure sales tactics, from a credit card provider, giving advice that will cause many to go into debt or irresponsibly spend. These sales tactics feel like the same ones banks/cc companies were using to position optional cross-sell products in 2010. For example, I believe he made the statement - "" So this is a better option because it will cost you less '' ... which was n't true based on the information I had provided in the call. 
",,Consent provided,Web,2016-01-14,Closed with explanation,Yes,Yes,CR1729638,1685
2016-01-06,Credit card,,Closing/Cancelling account,,"I had a credit card with Eagle National Bank that I needed to close due to the cost of the interest charges. I called them on XX/XX/2015 and worked with their representative to close the card and work out terms for the balance repayment. After answering numerous questions the representative determined that I would need to pay {$89.00} per month for 60 months at an interest rate of 2 % to pay back the balance. I agreed to these terms offered to me on the phone that day. On the call I mentioned that I was concerned about incurring any additional charges/penalties as my payment was due on XX/XX/XXXX. The BofA representative told me he could n't confirm the payment would be accepted over the weekend so we needed to get the {$89.00} payment through that day ( Friday ) so penalties/charges would not be incurred. He told me that there was only a few minutes before "" end of business '' ( EOB ) that day so we needed to get the payment through right away. I provided my bank account information and he made the initial {$89.00} payment before EOB on XX/XX/2015 and confirmed that it had gone through. That day the BofA representative also set up the ongoing $ 89 monthly repayments to be paid from my bank account each month. The monthly {$89.00} payments have been taken from my account each month since then. 

Approximately three weeks later BofA contacted me and told me that they wanted to change the terms of my contract and that they wanted me to answer another series of questions. They also told me I had begun to incur charges/penalties on my account. I have spent several+ hours trying to get this resolved with them but they are unwilling to honor the contract that we agreed to on XX/XX/XXXX even though the initial {$89.00} payment was made that day and the repayment plan was set up by BofA to cover the remaining 60 months. Please note {$89.00} has been deducted from my account on the XXXX of each month since the initial call on XX/XX/XXXX. 

I 'm providing my BofA account statements for XX/XX/XXXX and XX/XX/2015. The XX/XX/XXXX statement shows the {$89.00} payment was made on XX/XX/XXXX. The XX/XX/XXXX statement shows the next payment was taken from my account on XX/XX/2015. 

Thanks for your help in advance. 
",,Consent provided,Web,2016-01-06,Closed with explanation,Yes,Yes,CR1729985,3048
2016-01-06,Credit card,,Cash advance,,"I have a cash advance balance on my credit card with an extremely high interest rate. I pay more then the minimum every month and per my statement anything over the minimum is to be applied to the highest APR. Last month I paid the minimum and then made a lump sum payment equal to the amount of the cash advance to get rid of it. Eagle National Bank applied only {$500.00} to the cash advance and the remainder to the lowest APR balance. I went back over the last years statements and they have done this every single month causing my cash advance balance to skyrocket with interest while never allocating any of my payments to that higher APR. 
",,Consent provided,Web,2016-01-06,Closed with explanation,Yes,No,CR1729407,4075
2016-01-06,Credit card,,Other,,"I recently pulled my credit report I found Eagle National Bank reporting a charge off as an authorized user the acct was opened XX/XX/XXXX and closed XX/XX/XXXX I never authorized anyone to put me on that acct please have them remove it aspa. 
",,Consent provided,Web,2016-01-06,Closed with non-monetary relief,Yes,No,CR1730841,789
2016-01-06,Credit card,,Advertising and marketing,,"I took out what was called The Gold Option Loan from Eagle National Bank in 2008. The loan was for XXXX for a 60 month term. I paid over XXXX for 63 months. I have paid Eagle National Bank over {$45000.00}. This loan was a bait and switch. Eagle National Bank from the start kept changing the due date, they credit two payments to one month and claimed I was late. They added another 96 months to the term of the loan because they said I took more money out, which I did not. I am not the only who is making these claims. There are so many people that have the exact same story. Eagle National Bank has since filed suit against me claiming I defaulted on the loan. I have not!! It is Eagle National Bank who has faulted on the loan. I upheld my end of the deal. Please do not let Eagle National Bank take any more of my money. I did not break the contract. This was a scam. Between appealing a advertisements and the misleading words of the customer service reps it was a complete Bait and Switch. Eagle National Bank cheats and steals by any means possible. Every one who took this Gold Option Loan has been ripped off. If anyone does any research on this loan they will see how many people have been scammed. Eagle National Bank has broken several laws. Please do n't let Eagle National Bank get away with stealing from so many people who trusted that they could actually be a trustworthy company. Eagle National Bank will cheat any one who does business with them. After some research it appears that they are not capable of doing business without ripping people off. Please help anyone who has been abused and taking advantage of by Eagle National Bank. I want Eagle National Bank to take the money they have all ready been paid and to never contact me again. I will never make the mistake of doing business with them again. I do not owe them anything else.I 'm not sure how to list this. It was supposed to be a loan which they later turned into a credit card. The advertising was very misleading. At one point they charged me a 44 % interest rate. They did not inform me of {$1000.00} transfer fee that made the account overdrawn. Thank you for your time. 
",,Consent provided,Web,2016-01-06,Closed with explanation,Yes,No,CR1730077,3249
2016-01-06,Bank account or service,Checking account,"Account opening, closing, or management",,"My parents bank with a well known bank that I will not name as fear of retribution. My name was on their account. My parents were scammed out of close to {$30000.00} dollars. The bank manager told me she tried to stop my parents and told my father to "" call one of your children '', and yet, never picked the phone up to call me. And yes, they admit to "" some mistakes were made '' but that is not good enough for me. I would like to see that the banking industry do more to protect this vulnerable population. I would like to see that steps be put into place that when a family member calls to alert any bank that they suspect their family members are being scammed, as I did twice and messages were taken and yet no one ever got back to me, that a "" different drop down list comes up '' and they are sent to the banks fraud department, before, not after the fraud has occurred as what happened in my situation. 
",,Consent provided,Web,2016-01-06,Closed with explanation,Yes,No,CR1730914,730
2016-01-06,Bank account or service,Checking account,Problems caused by my funds being low,,"We were charged overdraft fees on multiple transactions from our checking account with Eagle National Bank. And then we were charged an overdraft fee ... on the overdraft fees. Prior to any of this happening, we elected to decline overdraft protection on our accounts so the charges should have never gone through in the first place and should have been declined, as per our agreement with Eagle National Bank, at the point of sale. 

Additionally, the charges were never actually posted to the account. They were Pending charges, we noticed that our account would become overdrawn if we did n't deposit money, so we transferred money into the account from our EN Savings account, prior to all of the pending charges actually posting. Our checking account was never actually underfunded. Eagle National Bank manipulated the posting dates and times of the transactions so as to charge us the greatest number and amount in overdraft fees ... even though the debit charges should have been declined entirely at the point of sale because we do not have overdraft protection on our account. 
About half of the charges have been reversed, but we are still waiting on getting the rest of the charges reversed. We have spoken to at least XXXX employees of the bank, all of whom say that they do n't personally have the authority to reverse the charges, and that they must get approval from their higher level manager. This has been going on for over a week now. 
",,Consent provided,Web,2016-01-06,Closed with monetary relief,Yes,No,CR1730693,2403
2016-01-06,Credit card,,Overlimit fee,,,,Consent not provided,Web,2016-01-06,Closed with monetary relief,Yes,No,CR1728852,692
2016-01-06,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2016-01-06,Closed with monetary relief,Yes,No,CR1727396,4785
2016-01-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,"BAC sent out my bill pay on XX/XX/XXXX vs XX/XX/XXXX due to the holidays, charged me an overdraft fee on XXXX/XXXX/XXXX despite the check not being cashed yet ( on XX/XX/XXXX ). I was told that is allowed in the disclosure. It should be illegal - if they have n't paid the check, how is it an overdraft? If I had mailed the check, it certainly would n't be an overdraft. Other banks do n't debit the account until the check is cashed. HORRIBLE! 
",,Consent provided,Web,2016-01-05,Closed with monetary relief,Yes,No,CR1728305,1694
2016-01-05,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank assessed a fee for monthly maintenance ( {$12.00} ), without ever properly noticing me of the changes in the terms of my account. I had been a customer with no fees on a checking account since 2009. I would have happily avoided the fee by maintaining a minimum balance or a direct deposit. In fact, I transferred money out of the account, which would have avoided the fee, but I did n't know these new conditions applied. I pleaded with Eagle National Bank to waive the fee due to the lack of notice, without any luck. Instead, Eagle National Bank will lose my business for {$12.00}! 
",,Consent provided,Web,2016-01-05,Closed with monetary relief,Yes,No,CR1725918,1493
2016-01-05,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bankn continuously charges overdraft fees that are way above interest rates. I was short {$4.00} ( which was available in my savings account ) and they charged me XXXX overdraft fee. 
",,Consent provided,Web,2016-01-07,Closed with monetary relief,Yes,No,CR1728684,12490
2016-01-05,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"Debit and check overdraft fees. 
Its an annual XXXX XXXX dollar bank ripe off of the poorest citizens. 
",,Consent provided,Web,2016-01-08,Closed with explanation,Yes,No,CR1728088,1998
2016-01-05,Bank account or service,Checking account,"Account opening, closing, or management",,"I am a joint owner on my parents account, they both recently died, XXXX and XXXX. I personally went to the Eagle National Bank in XXXX, Texas XXXX ( XXXX XXXX XXXX # XXXX ) to ask what the status of the account was since my parents passed away. I was told since my name was on the account I could do whatever I wanted with the account and they would remove my parents names. I mailed copies of both death certificates to EN as requested and then EN sent me a new signature card to sign so only my name would be on the account, which they now have. In the meantime I was paying any bills that needed paying for my parents. During that XXXX month period I personally deposited {$1000.00} of my own money and my brother deposited {$5000.00} to the account to make sure there was money to cover any medical bills. I was told I was in control of this account or I would have handled the final expenses and deposits differently. Two months later on XXXX/XXXX/XXXX I see that there is a hold on the account of {$1200.00} and {$2200.00} - I called on XXXX/XXXX/XXXX and was told they were holding 50 % of the account for my Mom and 25 % for my date to cover any interest paid by the bank ( total interest paid in XXXX was {$0.00} ) so this makes no since to hold {$3500.00} for interest paid by the bank. I was also told on this call that the account was not set up with Right of Survivorship which up to this point I had not been told in person or on the phone. Also they have now tied my hands to pay any unforeseen bills that come in. All of my parents other assets were controlled by their trust but because we had the understanding that this account was under my control there was no need to include this account in the trust or probate their will. We were utilizing this account for end of life expenses. EN is telling me the only option I have to get this money released is to Probate their will just for this checking account. EN for two months gave me incorrect information in the Bank and on the phone because I also called and verified if I needed to do anything with this account or did I have control of it and was told YES. The bank should allow any surviving accountholder to continue to use the account to transact business after the death of another accountholder. We have an executed will and an executed trust that defines all asset distributions for my parents estate that should be sufficient to release these funds. I took all the right steps to notify EN and now am being penalized because of EN 's misinformation. It 's obvious if they sent me an new signature card ( in the mail ) they acknowledged I was entitled to control the account which confirms what I was told by EN in person in the Bank in XXXX and on the phone. I have a copy of the original signature card from "" NationsBank '' from XXXX ( 20 years ago ) where the Accounts Names and Signature box for me to sign were prefilled by the bank. We had no idea we needed to mark any other boxes than what was prefilled by NationsBank ( now EN ) 20 years ago. Current EN forms make you initial that your are denying the Right of Survivorship. The fact that the account reads Name, or Name or Name would imply that any of us could have control of that account at any time. 
",Servicemember,Consent provided,Web,2016-01-05,Closed with explanation,Yes,No,CR1727904,3292
2016-01-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have power of attorney on my mother 's charge card, # XXXX, and am on my mother 's checking and savings accounts. The branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, Eagle National Bank adamantly refused many times to let me be added on my mother 's accounts. 
In XXXX I went in again and asked XXXX XXXX, personal banker and XXXX XXXX, Asst Mgr to let me move the points over from my mother 's charge card ( approx. XXXX ), worth about $ XXXX to my mother 's checking account and they adamantly refused. In fact, the Asst Mgr said I should have my sister just do it as she is a joint on the charge card but she does not have access to the checking account. My mother lives in an XXXX and has XXXX issues. 
",,Consent provided,Web,2016-01-05,Closed with explanation,Yes,No,CR1729080,1075
2016-01-05,Bank account or service,Checking account,"Account opening, closing, or management",,"three years ago Eagle National Bank put my name in the XXXX and other databases so i cant do any type of financial transactions on earth anymore. i had a direct deposit from an employer on a friday and typically the money would be available the following monday. on saturday morning i wanted to go to a book sale and pay cash so i wrote a check to my checking account and took out cash knowing that i would be able to cover the check with my direct deposit by the time Eagle National Bank "" presented '' the check on monday. at Eagle National Bank, an transaction made after XXXX on a friday is a MONDAY business day transaction, so obviously my transaction on saturday morning was a MONDAY BUSINESS DAY TRANSACTION. the atm receipt had the date of the transaction ( which was about XXXX on saturday XXXX and also the "" business date '' of the transaction which was listed as the following MONDAY. i had done this type of transaction many times before without problems. on monday when i went to the atm to deposit cash to cover the check i had written on saturday morning it said my account had been closed. i called Eagle National Bank the they told me they had put my name in the XXXX database as having done "" bank fraud '' and that i would never be able to do any type of financial transaction on earth for the rest of my life. i then went over to the local branch in XXXX california and talked to the branch manager XXXX XXXX. he took {$860.00} cash from me ( this was monday afternoon ) so if they hadnt closed the account the check would have been fully funded. he called Eagle National Bank and they confirmed to him that they had put my name on XXXX and that i was now blackballed from doing financial transactions on earth. the corporate offices told him nothing could be done about it because "" the department that put my name in the XXXX database doesnt talk to anyone, either Eagle National Bank employees or customers ''. this was very unfair to me as, under their own rules, Eagle National Bank should not have submitted that check until monday, and since the bank manager took {$860.00} from me, the check would not have bounced. obviously since Eagle National Bank did not lose money they were not the victim of "" bank fraud ''. i went to several other banks like XXXX, XXXX and XXXX and credit unions and i was indeed blackballed from doing financial transactions in america, none of them would open an account for me. this has had a drastic effect on my life since my business in online and i need a bank account to receive payments from customers. 
",,Consent provided,Web,2016-01-05,Closed with explanation,Yes,Yes,CR1725084,2621
2016-01-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"We are in the midst of refinancing with Eagle National Bank, with supposed date to close escrow today. The overall communication is very poor with Eagle National Bank. We get inconsistent emails and phone calls on the progress and requirements needed for loan documentation, and the worst item is that our appraisal report was incorrect. The B of A loan manager still stated that our home value ( which we dispute ) is still the same and we still have to pay the appraisal fee. We 're sticking with this refinance as the locked rate is low and fits within our budget, but I want to know is there any accountability that Eagle National Bank and XXXX Appraisal? We also request that we do not pay for the inaccurate appraisal report. 
",,Consent provided,Web,2016-01-05,Closed with explanation,Yes,Yes,CR1728133,3200
2016-01-05,Bank account or service,Checking account,Using a debit or ATM card,,"XX/XX/2015 I traveled to California. I noticed early Sunday morning ( XX/XX/XXXX ) that many fraudulent charges were made to my account. I tried to immediately notify Eagle National Bank. They were closed so I had to wait a few hours until their fraud department opened. Once I reached them, the agent indicated that I had to wait for all of the pending and incoming transactions to actually clear before they could help me. So once they cleared, I had to call back again and get their assistance. 
It took a few days, but Bof A returned my money. I thought it was resolved. 

On XX/XX/XXXX, Bof A began taking my money out again. I called and after speaking with XXXX agents I was told that my claim was denied. I was told that BofA had written proof from each merchant that I made the purchases. The "" proof '' indicated was my full address. 

Many of the charges are obvious - large sums of cash, the purchase of XXXX cell phones from different companies ( neither my current provider ), and multiple calls to a correctional facility. There was also an initial charge to XXXX a company that can pull all of my vital information ( address, birthday, email address, phone number ) which happen to be the items Eagle National Bank claims they verified with the individual merchants ; this is the basis of their denial of my claim. 

I started contacting each merchant. Based on the limited information from my bank statement, the same limited information that Eagle National Bank has, they can not find any evidence of the transactions ; which refutes Eagle National Bank 's claim that they were able to prove that I made these purchases. If I ca n't get to who used my card and my own information, then how can Eagle National Bank deny my claim based on that supposed information? 

I have now spoken with XXXX agents regarding this incident and have yet to be returned my {$1800.00}. 
",,Consent provided,Web,2016-01-05,Closed with monetary relief,Yes,No,CR1728255,11327
2016-01-05,Credit card,,Customer service / Customer relations,,"On XXXX/XXXX/XXXX we were notified by email of possible fraudulent activity on our Eagle National Bank credit cards. Our cards were cancelled, a fraud report generated, and new cards were promised to arrive XXXX. 

On XXXX/XXXX/XXXX only XXXX card was delivered ( 1 day late ) for XXXX of the XXXX account holders. A complaint was then issued for missing card. New card promised to arrive XXXX. 

XXXX/XXXX/XXXX Received shipping notice that missing card was delivered ( again 1 day late ), but no card had actually arrived. Complaint issued. On the same day there was further suspicious activity ( a declined XXXX cent charge ), so both card were cancelled. XXXX new cards were promised to arrive XXXX/XXXX/XXXX. 

As of XXXX/XXXX/XXXX, no cards had arrived. Called BofA, and they said cards were never mailed ( admitted their mistake ). They said the order was still "" processing ''. We were told new cards would be expedited and would arrive on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX we received an email from BofA saying new cards would arrive in 5-7 days. I called again, and they said they would expedite a different set of cards that would arrive on XXXX/XXXX/XXXX. I 'm not holding my breath! 
",,Consent provided,Web,2016-01-07,Closed with explanation,Yes,No,CR1726154,9456
2016-01-05,Credit card,,Billing statement,,"I opened a Target Red Card account on XXXX/XXXX/15 and set up an automatic payment program with my bank checking account at Eagle National Bank on XXXX/XXXX/15 to pay for any balance due on my Target Red Card. The Card company failed to draw monies from my bank account to pay for a balance due and kept imposing late payment penalties and interests on my Card account without my knowledge for several months. I found out this problem on XXXX/XXXX/15 while I was going to purchase something by using my Target Red Card that was rejected. I have never received any e-mail alert/statement or paper statement of my Card account balance due from Target Red Card company before XXXX/XXXX/15. 
",Older American,Consent provided,Web,2016-01-05,Closed with monetary relief,Yes,No,CR1729232,3637
2016-01-05,Credit card,,Other,,,Older American,Consent not provided,Web,2016-01-05,Closed with explanation,Yes,Yes,CR1728535,2623
2016-01-05,Credit card,,Advertising and marketing,,,,Consent not provided,Web,2016-01-05,Closed with explanation,Yes,No,CR1728184,924
2016-01-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-11,Closed with monetary relief,Yes,No,CR1727377,1748
2016-01-05,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2016-01-05,Closed with explanation,Yes,No,CR1728253,6789
2016-01-04,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank customer service charges and telephone fees and non disclosures and discrimination in lending hold fees 
",,Consent provided,Web,2016-01-04,Closed with monetary relief,Yes,No,CR1725237,4663
2016-01-04,Bank account or service,Checking account,Deposits and withdrawals,,"Called the banking center to inquire about the cut off time for a mobile deposit I made. Seems I was late by 20 min. I was denied a reversal for a overdraft fee of {$35.00}. The representative could not tell me when my mobile deposit was made and she was unsure of the posting time. I asked to speak with a supervisor ( XXXX from XXXX VA ) who was rude and short with me. I asked him to listen in on the phone call with the representative I spoke to earlier and he said he was too busy at the moment to do so. 
I 'm being charged a fee and have no real understanding of the cut off and posting times for mobile deposits as to ensure it does not happen again. 
",,Consent provided,Web,2016-01-04,Closed with explanation,Yes,No,CR1725259,4592
2016-01-04,Bank account or service,Checking account,Deposits and withdrawals,,"I am writing to the CFPB with the hope something could be done to persuade Eagle National Bank to consider our claim of fraud and reimburse us the money that was stolen from us. XXXX fraudulent checks were written on a Eagle National Bank checking account that my twin sister and I share jointly. We are the only ones that have access to this account and share XXXX checkbook. This account had an average of XXXX checks written on it per month totaling to an amount of a XXXX dollars. For XXXX consecutive days in XXXX 2015, XXXX separate fraudulent checks withdrew large amounts of money out of this checking account totaling {$6600.00}! We were never alerted to this activity and it was not noticed until XXXX XXXX, 2015 when I was reviewing our transactions. I immediately contacted the Fraud Dept for Eagle National Bank and was reassured that once fraud was proven we would be reimbursed what was taken. Apparently, that was not true as our claim was denied because the fraud was not brought to the bank 's attention within 60 days of the incident. The bank does not claim any responsibility for noticing this unusual and criminal behavior. We were told that it was entirely the customer 's responsibility to be diligently aware of what was happening with their account. And usually I was very diligent in that regard. I would look over our transactions on a monthly basis for budget purposes. The 60 days following the fraud were the busiest 60 days of our lives. We were making a major life change at that time. We sold a house, we bought a house, we moved to a new city, we were working at a new job, and we were also taking care of our elderly mother. My usual practice of reviewing our bank account was delayed. The Fraud Dept ask me to write a letter explaining our circumstances and maybe an exception will be given to us. I have initiated XXXX requests for the agent to contact me, but have yet to hear from him. Eagle National Bank advertises to its customers that they are on the look out for suspicious activity that may be fraudulent and that we need to keep contact information updated in order for them to let us know. Why are then we held responsible? We are devastated by this financial loss and the complete lack of support from our bank. Please help us if you can. Thank you. 
",,Consent provided,Web,2016-01-04,Closed with monetary relief,Yes,No,CR1727158,2536
2016-01-04,Bank account or service,Checking account,Deposits and withdrawals,,"I had made arrangement with Eagle National Bank to take the XXXX out of my account for over draft fees and to close my account out. when I got paid on XXXX/XXXX/16 I noticed that my whole paycheck is taken from the bank. I also contact my HR department on my job to let them know not put money into my account. so they decided to put money into my account after I told them that it was close due to fraud. when I got paid that 's when bank took my whole check and not the XXXX. I also called them before XXXX and after XXXX explaining what they was suppose to be doing and they kept getting me run round about my pay check. 
",,Consent provided,Web,2016-01-04,Closed with explanation,Yes,No,CR1727095,6789
2016-01-04,Bank account or service,Checking account,"Account opening, closing, or management",,"I was trying to open up a bank account at a bank they told me they could n't open it due to the XXXX so I stated ok i will wait for the letter in the mail. The letter stated that i owe banks money and i could n't open the account until i payed them off. I told them i was a victim of Identity theft and that my name was used in opening accounts in my name. 
",,Consent provided,Web,2016-01-04,Closed with explanation,Yes,No,CR1726938,1172
2016-01-04,Bank account or service,Savings account,"Account opening, closing, or management",,"Today, XX/XX/XXXX, the bank seized my entire account, due to a debt my wife owed some 18 years ago. One she has no idea about. She has sent letters to the Superior Court of NJ and to the law offices asking for clarity. I never received a seizure notice, and find it unfair that the only monies in my account are those that I have earned under my name, not my wife, who has been ill since XX/XX/XXXX ; and ill most of her life, and would have never been able to open up a credit card, because she has never worked a full time job in her life. I have proof that all of the monies in my account are checks for me, and only me. My wife 's name is XXXX XXXX, and my name is XXXX XXXX. We are already facing hardship, and this will make it worse, as I will not be able to go to work or feed my family and ill wife. 
",Older American,Consent provided,Web,2016-01-04,Closed with explanation,Yes,No,CR1726473,2633
2016-01-04,Credit card,,Other,,"I received a XXXX Cancellation of debt form from Eagle National Bank in the amount of $ XXXX.I filed the XXXX on my taxes and paid taxes on the {$12000.00} amount. All XXXX of my credit bureau have different information reported. 1 : XXXX Reports a {$0.00} balance and {$0.00} past due amount. 2 : XXXX reports a {$15000.00} balance and {$3400.00} past due amount. 3 : XXXX reports a {$15000.00} balance and {$3400.00} past due amount. These amounts do not add up and are not reported accurately. 
",,Consent provided,Web,2016-01-08,Closed with non-monetary relief,Yes,No,CR1726265,3476
2016-01-04,Credit card,,Customer service / Customer relations,,"I take 0 % interest cash advances on my Eagle National Bank credit card ( paying the one-time fees ). Usually I have more than XXXX borrowing tranche outstanding, each with its own expiration date for the 0 % interest rate. Some time ago the section of the monthly statement titled "" Interest Charge Calculation started showing a zero in the column headed "" Balance Subject to Interest Rate '' for each XXXX, making it impossible to verify the amount that will need to be paid off at the 0 % expiration rate without calling the bank. This information used to be furnished on the statement. I will attach a PDF of my statement so you can see that this information is in a table that logically could and should include the balances of each tranche. I pay attention and do the phone call, but I 'm concerned that this information should be there for others and I certainly would prefer not having to call the bank for information they should be furnishing on the statement. 
",Older American,Consent provided,Web,2016-01-04,Closed with explanation,Yes,No,CR1727174,3677
2016-01-04,Credit card,,Advertising and marketing,,"When filling out information to purchase plane tickets online, an offer for an XXXX XXXX Visa Signature Credit Card was made available to me. I signed up for the card and was approved immediately and then the card was used to pay for the plane tickets as intended. When the card finally arrived a couple weeks later and the bonuses that I expected to see were different than what was offered to me when signing up for the card, I became suspicious. I received a different card than the one promoted to me without anything in the terms and conditions saying that they can do that and without any prompting to me to have my decision on if I want to accept this other card instead of the one that I signed up for and believed that I was being approved for and having the tickets charged to. I tried to work things out with the service numbers provided by the card but to no avail. 
",,Consent provided,Web,2016-01-04,Closed with non-monetary relief,Yes,No,CR1726937,3480
2016-01-04,Credit card,,Cash advance fee,,"XX/XX/XXXX I attempted to close out my Eagle National Bank checking/savings accounts. The representative told me that once all funds were removed, the account would be automatically closed within 90 days. This was not the case, however, and after several more calls and several more months of dealing with representatives, my accounts were not closed even when I explicitly asked the representative to close the account. Ultimately, on XX/XX/XXXX, more than one year after the initial call, my debit card was used for a fraudulent purchase of {$100.00}. On XX/XX/XXXX, I called B of A to complain, file a fraudulent claim and to finally close my account. The representative told me all fees would be waived and I would not be responsible for the charge. The account was refunded, from - {$100.00} to {$0.00}. Finally, on XX/XX/XXXX the checking and savings accounts were closed. On XX/XX/XXXX I received a bill from Eagle National Bank 's credit card unit for the {$100.00} cash advance that was used to make the checking/savings account whole. I called B of A and they told me that the {$100.00} charge would be taken care of and I would not be responsible for that charge. They claimed it was a mistake and that I should not have been charged the {$100.00} cash advance because the XX/XX/XXXX call established a fraud claim. Then, on XX/XX/XXXX, I received another B of A credit card statement with the same {$100.00} charge. The initial cash advance fee had not been taken care of from the XX/XX/XXXX call and I was again being charged for the cash advance from the fraudulent charge. I called Eagle National Bank again on XX/XX/XXXX and told the same story. The representative told me that everything would be taken care of, but to call back in a couple days to ensure completion. I called back on XX/XX/XXXX and, after a 2.5 hour phone call, was told I would have to pay the {$100.00} charge on my credit card and wait to see if I could be reimbursed if the fraud department confirms that it was the result of a fraudulent charge. The representative from the fraud department told me reimbursement would take approximately 90 days. Thus, after a year of trying to close out my account and being stonewalled by B of A, a fraudulent charge occurred on my account and B of A required I pay that charge ( coincidentally they closed out my account right in time to send that charge to my credit account, but not during any of my previous calls ). B of A then failed to rectify the issue and required that I could only be reimbursed for that cash advance once their fraud investigation was completed. 
",,Consent provided,Web,2016-01-04,Closed with monetary relief,Yes,No,CR1727117,927
2016-01-04,Bank account or service,Checking account,Problems caused by my funds being low,,"I 'm basically filing this complaint against Eagle National Bank, just to set the record and get the facts straight with the following situation : On XXXX/XXXX/15, I went to the XXXX, XXXX XXXX XXXX Eagle National Bank branch to make a deposit so that I would n't receive any overdraft fees but when I got there I discovered the branch 's ATM was malfunctioning and not accepting deposits. At that point in time I realized I was not going to be able to make it to another Eagle National Bank branch by the cut off time of XXXX XXXX, to avoid being charged several overdraft fees. So at that point in time I called Eagle National Bank 's XXXX customer service number and after waiting for over half an hour, I was finally connected to a live Eagle National Bank customer service representative. I explained what had happened and that same Eagle National Bank customer service representative told me that I had nothing to worry about as long as I made the deposit at another Eagle National Bank branch, on that same day, before XXXX, and he assured me that he was going to note my checking account so if by chance I did receive any overdraft fees, they would be instantaneously reversed/refunded due to the malfunctioning ATM, which the Eagle National Bank customer service representative clearly and endlessly kept referring to as a bank error. So the next day on XXXX/XXXX/15, I received {$140.00}, worth of overdraft fees so I called Eagle National Bank 's customer service XXXX number back and I explained my situation, especially the note that had been placed on my checking account the day before by the another Eagle National Bank customer service representative, to the new Eagle National Bank customer service representative that picked up my call. After reviewing my checking account, the new Eagle National Bank customer service representative told me that the note never mentioned, authorized or suggested that any overdraft fees should be reversed or refunded. So I quickly requested to speak to a supervisor. So after going back and forth with the Eagle National Bank customer service representative and supervisor and also after they both, together, reviewed my checking account several times, they reversed/refunded the {$140.00}, worth of overdraft fees. But they stated to me that it was being done as a courtesy and that 's why I 'm filing this complaint. It should 've never been labeled, noted, called, referenced or posted in my checking account 's notes as a courtesy reversal/refund, it should 've been labeled, noted, called, referenced and posted in my checking account notes as a malfunctioning ATM bank error. I once again find myself in the same situation with Eagle National Bank 's customer service department : I would like to know which XXXX of the XXXX Eagle National Bank customer service personnel I spoke to and with over the phone on either XXXX/XXXX/15, or XXXX/XXXX/15, was once again very disrespectfully and unprofessionally misleading, misinforming and with conviving intentions, purposely lying to me???? 
",,Consent provided,Web,2016-01-04,Closed with non-monetary relief,Yes,No,CR1726304,544
2016-01-04,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2016-01-04,Closed with explanation,Yes,No,CR1726010,1945
2016-01-04,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2016-01-04,Closed with monetary relief,Yes,No,CR1725595,1340
2016-01-03,Credit card,,Other,,"Hello, I have been a client with Target since XX/XX/XXXX however ; my credit reporting is only reflecting from XX/XX/XXXX and on. My overall credit rating took a hit since my history is not being reported in full. I ask that you report my credit in full since opening this card in XX/XX/XXXX. Let me know if you have any questions. 
",,Consent provided,Web,2016-01-03,Closed with explanation,Yes,No,CR1727131,2406
2016-01-03,Credit card,,Late fee,,,,Consent not provided,Web,2016-01-08,Closed with monetary relief,Yes,Yes,CR1726911,3819
2016-01-02,Bank account or service,Checking account,"Account opening, closing, or management",,"I 've had XXXX business checking accounts with Eagle National Bank for 15 years. On XXXX XXXX, 2015, they closed my accounts without adequate warning and with no reason given. ( they say they sent a notice in the mail a couple of months ago, but I never saw it ) - I was setup with online paper statements/alerts, and I was never sent an email warning, nor were there any warnings when I logged into my account. 

This has affected my business, resulted in multiple missed payments, and lots of inconvenience just as I was heading out for my XXXX holiday vacation. 

I want to find out why they closed my account with no reason. 
",,Consent provided,Web,2016-01-02,Closed with explanation,Yes,Yes,CR1724718,4206
2016-01-02,Credit card,,Payoff process,,"I paid the amount in full on XXXX/XXXX/15 before payment due date and then they charged interest on XXXX/XXXX/15. When I tried to chat with them all of a sudden they kept acting like they had n't even talked to me and kept trying to start over. IT says right on statement no interest will be charged if paid in full before payment due date. I paid XXXX and then for some reason was charged interest on 3 thousand something for which the statement is suddenly unavailable. 
",,Consent provided,Web,2016-01-02,Closed with monetary relief,Yes,No,CR1724729,4362
2016-01-02,Bank account or service,Savings account,Problems caused by my funds being low,,,,Consent not provided,Web,2016-01-02,Closed with explanation,Yes,Yes,CR1725012,2098
2016-01-01,Bank account or service,Savings account,Problems caused by my funds being low,,"I just logged into my Eagle National Bank online banking profile for the first time in a long time ( I generally do not use them as much any more ) and found that they have begun charging a monthly maintenance fee on my Money Market Savings account of {$12.00} per month if my balance is below {$2500.00}. I have not had more than a few cents in this account for years and have never been charged this amount before, so now I 'm {$35.00} in the red after 3 months of charges. I do n't seem to have anything in my email or otherwise that notified me that this change was going to happen either. 
",,Consent provided,Web,2016-01-01,Closed with monetary relief,Yes,No,CR1724577,13751
2016-01-01,Bank account or service,Checking account,"Account opening, closing, or management",,"My bank recently closed my bank account due to an reporting by Eagle National Bank to XXXX XXXX XXXX , XXXX. I got a copy of my XXXX and it is EMPTY. Nothing on there but apparently Eagle National Bank reported me to XXXX TWICE by in 2011 and I did n't find out until recently or even why!! I contacted bank to ask to remove XXXX XXXX report and they said since its from 2011 they ca n't see that far back and that its was written off. They then invited me to open a new account ... Please make them remove the XXXX XXXX XXXX report. 
",,Consent provided,Web,2016-01-01,Closed with non-monetary relief,Yes,No,CR1724642,1042
2016-01-01,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,"WHILE BANKING WITH Eagle National Bank I ASKED TO SEE SIGNATURE CARD AND WAS DENIED. DISPUTING FRAUD THAT WAS DONE BY AN EMPLOYEE THE BANK FAILED TO RESOLVE ANY ISSUE INCLUDING THEM GIVING ME CHECKS WITH WRONG ROUTING NUMBER. 
",,Consent provided,Web,2016-01-01,Closed with explanation,Yes,No,CR1724231,1262
2016-01-01,Credit card,,Identity theft / Fraud / Embezzlement,,"I had fraudulent activity on my credit card from Eagle National Bank XX/XX/XXXX. When I reached out to them, they asked if I ever shopped with the specific merchant. I told the truth and informed them I have shopped with them but I was not present on those transaction dates and I never made or authorise those purchases. They said because of that reason it would be a dispute, which is not correct. During the dispute, they sent to me the receipts from the merchant. I told them again I was never there to make those purchases on that day and the receipts the merchant provided where not my signature. They went ahead and finally pursued it as fraud-which they should have done in the first place. They told me I was "" XXXX not liable for the charges '' and they will continue to do their investigation. After awhile, they came back and put the fraud charges back into my account. When I asked them why, they informed me because I have shopped with that merchant before it is not fraud. I work in credit cards for another group and this is ridiculous! I even had another card compromised for the same dates and same exact charges from the same merchant. The other credit card company took care of my needs right away as fraud. I never shopped with the merchant on those dates nor signed those receipts and I told Eagle National Bank they needed to pursue with the fraud case again. They told me they would not. I went ahead and closed the account and told them I will not pay anything. They continue to send me notices of payment dues. I do not want this to end up being sent to the credit bureau when I have fraud charges on my account not taken care of. I 'm pleading to ask what I can do to have this matter handled correctly. Thank you for you help. 
",,Consent provided,Web,2016-01-01,Closed with explanation,Yes,No,CR1724526,3631
2016-01-01,Bank account or service,Checking account,Problems caused by my funds being low,,"I sent a complaint about Eagle National Bank on XXXX/XXXX/XXXX regarding being charged an overdraft fee when I deposited money into the account before the fee was given. Today, XX/XX/XXXX, they ( Eagle National Bank ) deducted the maintenance fee of {$8.00} and because the overdraft was not returned I am put back into the negative ( - {$2.00} ) again. 
",,Consent provided,Web,2016-01-01,Closed with explanation,Yes,No,CR1724486,3410
2016-01-01,Credit card,,Identity theft / Fraud / Embezzlement,,"I have disputed this Target account multiple times. This company has claimed they would resolve my complaint if I returned the fraud affidavit. They have already received it and have done nothing, claiming they still do n't have it. 
This account is fradulent and harming my credit. I have incurred damages and intend to sue within 60 days if this is not removed from my report immediately. 
",,Consent provided,Web,2016-01-01,Closed with explanation,Yes,Yes,CR1724433,1587
2016-01-01,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2016-01-01,Closed with monetary relief,Yes,Yes,CR1724573,8096
2016-01-01,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2016-01-01,Closed with explanation,Yes,No,CR1724528,2416
2015-12-31,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank Account Problem The problem occurred when my wife deposited XXXX checks in our Eagle National Bank checking account on XXXX XXXX, 2015. She did so at our local branch at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The XXXX checks were in XXXX and totalled XXXX XXXX. Copies of the XXXX checks are attached. I told my wife to expect a dollar total of roughly {$1000.00} and I have attached copies of both a manual deposit slip prepared by the teller and also an electronic transfer slip, both totaling {$1000.00}. I checked my account later that day and saw a deposit of {$1000.00}. I have no idea why the cents should be different but this did not concern me greatly, I assumed that this was the deposit of the XXXX checks. I saw an unexpected correction of ( {$770.00} ) at around the same time and began to investigate this entry. When I called the service number on my ATM card I was told that it was to correct the check deposit which was only XXXX check and not XXXX. I was astounded and asked to speak to a manager to find out what was happening. I spoke to XXXX who confirmed the story about there being only XXXX check. I pointed out the deposit slips prepared by B of A in the branch and explained to her it was impossible for the XXXX check she could see to equal {$1000.00}. I explained that the deposit slip was proof that there had been another check and asked her if they could have lost it. She was indignant and told me she could do no more for me and I should go to the branch on Monday. I told her the bank had no authority to take money out of my account without my permission when I owed them nothing. I was extremely angry. Her response was- '' whatever ''. 
",Older American,Consent provided,Web,2015-12-31,Closed with explanation,Yes,No,CR1722705,1835
2015-12-31,Bank account or service,Other bank product/service,Deposits and withdrawals,,"XXXX tellers to assist all customers on XXXX of the busiest days of the year, XXXX XXXX XXXX XXXX. Waited more than an hour to make a withdrawal. 
",,Consent provided,Web,2015-12-31,Closed with explanation,Yes,No,CR1724449,6610
2015-12-31,Credit card,,APR or interest rate,,"In XX/XX/XXXX I took advantage of two year-long, 0 % promotional APR rates through my Eagle National Bank credit card to help pay for my daughter 's wedding. At the same time I continued to use the card for purchases and had an outstanding balance. The APR on the purchase balance was at 14.24 %. The APR on the promotional purchases was 0 % up through the expiration period on XX/XX/XXXX. 

On XX/XX/XXXX I made payments on my account sufficient to pay off the promotional balances and some of the purchase balance. My assumption was that the promotional balances, even though they were currently at 0 %, would be paid off because they had an underlying rate of 19.99 % that would take effect the next day, on XX/XX/XXXX. 

Because the rate on XX/XX/XXXX was 0 %, the purchase balance - at 14.24 % - was paid off and the rest of the payment went to another O % promotional purchase that was to expire in XX/XX/XXXX. In the meantime, the XXXX promotional balances that had been at 0 % on XX/XX/XXXX went to 19.99 percent on XX/XX/XXXX. The irony of this is if I had known clearly that my payment would go to the purchase balance before the promotional balances, I would have waited a day to make my payment. 

According to the customer service representatives at Eagle National Bank, they followed the law that Congress passed. However, it seems as though the law, while well-intended to make sure that high-interest balances are paid first, had an unintended consequence ; or was it a loop-hole that banks have capitalized upon, literally? 

In fairness to Eagle National Bank, when I called customer service and explained the situation, they acknowledged my intention and have credited nearly {$200.00} in interest charges back to my account, AND reset the interest rate to the purchase rate of 14.24 percent. Although it did take three separate calls to customer service to explain my concern, and finally a referral to a supervisor, who made that adjustment. Even so, they certainly did n't have to do that, and for that, I am grateful and appreciative. 

So this is n't as much a complaint about a bank and a credit card as it is about the legislation and how it is being applied. 
",Older American,Consent provided,Web,2015-12-31,Closed with monetary relief,Yes,No,CR1722597,3948
2015-12-31,Bank account or service,Checking account,Problems caused by my funds being low,,"On several occasions in the past year Eagle National Bank has erroneously deducted overdraft fees from my checking account. Ive disputed this with Eagle National Bank and have been refunded a third of these fees. Ive suffered hardship and undue stress during these times. Last XXXX XXXX was the beginning of this nightmare which ruined XXXX for my XXXX children. On XXXX XXXX XXXX Eagle National Bank allowed XXXX transactions from XXXX to be debited from my checking account which left me in the negative over {$700.00}! These transactions were not authorized to be debited and yet Eagle National Bank still kept putting other transactions through while i disputed the unauthorized XXXX transactions. ( bill pay, and authorized transactions ) while my account was negative over {$700.00} until i had over {$220.00} in fees! I am XXXX single mother of XXXX on limited income from social Security XXXX and state pension. I did not get reimbursed until XXXX XXXX XXXX. Through this dispute Eagle National Bank XXXX XXXX XXXX employees knew exactly what was done to the point that each side was directing as to what to say to the other - it seemed too shady. 
Since then EN CONTINUES to charge me fees illegally!!!! I could not figure out how i would make a withdrawal on Thursday and get a reciept showing the new balance that was not negative! Then about a week later recieve notice of that exact withdrawl stating i was charged {$35.00} for insufficient funds! I cash my Eagle National Bank account check right there at the branch yet somehow they post these transactions up to four days later in a sequence with four days worth of transactions in an order that shows multiple overdrafts and then charged multiple fees! When i dispute the fees and explain the checks were cashied at the branch which proves i had the funds available! Eagle National Bank will then admit and aplogize for the error BUT WILL NOT REIMBURSE MY FEES CAUSED BY THIER ERROR BECAUSE THEY STATE THAT I HAVE ALREADY HAD TOO MANY FEES REFUNDED!!!! I remind them the fees already reimbursed were BANK ERROR! THIS IS A SCAM! THEY DO THIS TO XXXX, ELDERLY PEOPLE WHO GET THEIR GOVERNMENT CHECKS AUTOMATICALLY DEPOSITED! They know they will get the fees paid due to direct deposit & they also know that the elderly will not be able to figure out their confusing illegal practice of stealing money. Ive been without food for my kids for over a week on multiple occasions due to Eagle National Banks predatory ways! They will send me on multiple phone calls & forms hoping i give up- then will deny my refund without a legit reason! They even direct me what to say to merchants to threaten the merchant such as : threaten merchant fraud to get the merchant to pay for ENs illegal practices. EN has a practice of posting transactions between XXXX and XXXX! Then will post the trsnsaction date ss the prior day! ThiThis to their advantage and very confusing to make a witgdrawal at XXXX because you check the balance in account first anf get reciept showing the withdrawal and new balance ( which of course has funds ) to wake up at XXXX and see XXXX fees! Totalling {$140.00} due to that withdrawl being posted at XXXX with multiple other transactions that apoarently EN saves to post on a date at XXXX on the XXXX but states it wad posted on the XXXX! The check i got directly deposited on the XXXX after XXXX does not read as posted until the XXXX!!!! I want my {$460.00} dispute on XXXX XXXX credited to my account! I gave all information requested to the point the merchant advised me to dispute the transaction with Td so they could reimburse me! I want all fees credited. 
",,Consent provided,Web,2015-12-31,Closed with explanation,Yes,No,CR1724123,11857
2015-12-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-12-31,Closed with monetary relief,Yes,Yes,CR1723218,1148
2015-12-30,Bank account or service,Other bank product/service,Using a debit or ATM card,,"Eagle National Bank ATM XXXX located in XXXX. I withdrew {$400.00} and the machine did not dispense money. There was a number on the machine to call to report a problem but it kept looping back to the main menu. I called a different number for the bank and they told me it was n't their problem because my checking account is with another institution. I do n't think they should be allowed to have ATMs in public locations if they wo n't support them. 
",,Consent provided,Web,2016-01-11,Closed with explanation,Yes,No,CR1721268,4023
2015-12-30,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank has been my personal Bank or many years. This is the first time I have experienced Eagle National Bank sending me a new debit card to replace my old one. Due to what ever reason they had. I did not get warned of what may happen to my payments that are automatically deducted from the old debit card number. When they did this I noticed late notices coming in the mail and I had to take the time to go to the bank call all my utility companies and others that are on automatic pay which caused me a lot of a mess & time off work. I am still trying to call some of the companies that this happened to so now I have to pay double payments for there mistake due to the change of my debit card number without my consent. I hope in the future we can have a personal phone call of what there doing. Thank you XXXX XXXX XXXXXXXXXXXX XXXX 
",,Consent provided,Web,2015-12-30,Closed with explanation,Yes,No,CR1721383,1180
2015-12-30,Bank account or service,Checking account,Problems caused by my funds being low,,"My Bank has routinely charged {$35.00} for payment of checks and electronic debits when there are insufficient funds available in my account at the time the item is posted. However, they have recently ( as of XXXX 2015 ) started to reverse the payment, crediting it back to my account, without crediting the fee, and subsequently returned the item as unpaid, for which they assess an additonal {$35.00} fee. and most recently, after this back and forth with paying, then returning the item has concluded, they have presented the same item for payment four ( 4 ) times in as many days, assessing the return check fee of {$35.00} each time. this has never occured in the history of my account, and when I asked my branch why this was happening, I was informed that, although there once was a law that limited banks to three times that they may collect NSF fees per item, today there is no limit to the number of NSF fees a bank may charge per item .... Because I did n't believe this was the result of an impatient merchant, I called the merchant who the check had been made payable to, in an effort to halt the snowballing NSF charges now topping {$210.00} for a check in the amount of {$40.00}. The merchant informed me that they do not make repeated attempts to secure payment of any item following the return of an item for non payment by the financial institution is was drawn upon. My bank refuses to acknowledge this double-dipping practice and despite the clear and irrefutable documentation that validates my concern, Im spoken to as if i lack the basic understanding of how a checking account works, and if that were n't enough, Im told, that If I just maintain a sufficent balance to cover the checks i write, this would n't be a problem in the future ... I am absolutely disgusted! This account is a joint account I share with my XXXX old mother who 's finances I manage. Her household finances are now in complete disarray as a result of her checking account balances fluctuating several hundred dollars from day to day. She feels completely helpless and it has caused her severe emotional distress. I have every intention of closing this account, and opening an account with a local bank with a better record of customer service, but not before I recover the total of these erroneous fees, now totalling over {$1000.00}. This bank has engaged in deceptive and unscrupulous practices for many years and I it needs to stop! 
",Servicemember,Consent provided,Web,2015-12-30,Closed with monetary relief,Yes,No,CR1721800,2628
2015-12-30,Credit card,,Balance transfer,,"I initiated a 0 % promotional transfer from my AAA credit card from AAA Financial Services in XXXX DE. I had done this in the past and did n't notice this issue. AAA offered me a 0 % balance transfer but did not explain that my regular monthly charges would now be charged an interest rate even though I paid those off each month while carrying the balance transfer that I pay off in small amounts each month. So it does not make sense to me that I pay interest on a balance that I pay off each month, on time. How is this a good deal? It feels like a scam to me. I have had this credit card since 2003. I have excellent credit. They told me this was explained to me when I initiated the offer but I do n't recall. I am in the process of switching to another card, but wanted to file a complaint because this does n't seem right. 
",,Consent provided,Web,2015-12-30,Closed with monetary relief,Yes,No,CR1722311,277
2015-12-30,Bank account or service,Checking account,Deposits and withdrawals,,"I open an account with Eagle National Bank, I deposit {$25.00} to open it. Later I deposit a cashier check that my partner and I wrote off another account from our business to a company we decided not to do business with but had already written the cashier check for. We only made an inquiry with this firm, but my partner mistakenly made the cashier check to the firm, but we do not owe them. 
Now Eagle National Bank has been holding my funds since XXXX in the amount of {$7000.00}. 
I reach out to them numerous time and they kept running me around. Finally on XXXX they told me that a gentleman in the security department Name XXXX XXXX was handling the case. I called this gentleman and never got a response until XXXX/XXXX/XXXX when XXXX of Eagle National Bank staff told me he was on vacation. But than after they told me to go to a branch and open an account with my business name and they will deposit it. I went to the bank on XXXX XXXX and open a business account then they later told they will not deposit the money because it is not in my name. I told the cashier check came from my other business account and has my business name on it as who wrote the check and they 've received the funds and no one has made any claims that it was stolen so the funds is good. They told me to bring the receipt of the transaction and I did with a letter from my partner, I did and than they said no they can use it. So I ask them to send the funds back to were they got it from and they refuse. 
They told I either have to go to the firm that I never did business and mistaken wrote the cashier check for to give me a endorsement release which do not make no sense because I called the company and they said they do not have anything to do with it because we do not owe them and our business relationship was just an inquiry made by us to them. No business was conducted with this company called XXXX XXXX ... .. I even called XXXX XXXX and XXXX of the manager along with me called back to speak with the assistant branch manager at Eagle National Bank that I previously spoke with name XXXX at the Gallery Place XXXX location on XXXX XXXX. But, he just left me and the XXXX Insurance Company manager on hold and never came to the phone until we hang up. 
The other solution was I had to wait for the Eagle National Bank contractor to get back in the office from vacation. I ask when the person who put the restriction on my check on XXXX/XXXX/XXXX will come back from vacation and they said in XXXX XXXX. And nothing will be done until he gets back and make a decision, but mean while they have my money. I ask them again to send the funds back to the bank the cashier check was written and they still refuse and told later that I had an account with them in XXXX that resulted into some issue. 
I made it clear to them that, that was not me and if they allowed someone to open an account in my name fraudulently i will take legal action against them. They responded after that they can not do anything to help me now and I have to wait for the gentleman name XXXX XXXX before anything can be done. 
I 'm, not sure what they are trying to do, but I want all of my money back and I have attach some documents, but also I am waiting for a letter from XXXX Insurance stating that I do not owe them and have only made inquiry with them. I can give you that letter once I get it if you can contact me. My company name is XXXX XXXX XXXX XXXX. 
",,Consent provided,Web,2015-12-30,Closed with monetary relief,Yes,Yes,CR1721889,1233
2015-12-30,Credit card,,Customer service / Customer relations,,"I applied for a Eagle National Bank XXXX XXXX XXXX XXXX XX/XX/XXXX. My credit report has been pulled 6 times from XX/XX/XXXX to XX/XX/XXXX by Eagle National Bank and they keep giving me the same denial. Each time I call, I get sent back to XXXX which I have done already. I have perfect credit history for over 30 years. I am attaching a file with all of my information for a review and a resolution. 
",,Consent provided,Web,2015-12-30,Closed with non-monetary relief,Yes,No,CR1720254,4539
2015-12-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-12-30,Closed with explanation,Yes,No,CR1722016,4075
2015-12-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-12-30,Closed with explanation,Yes,Yes,CR1722162,1973
2015-12-29,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank vacated my account XXXX and kept the money. I had been trying to close this account for years. Now when I call them they ca n't heip me. 
",Older American,Consent provided,Web,2015-12-29,Closed with non-monetary relief,Yes,No,CR1717956,13852
2015-12-29,Bank account or service,Checking account,Problems caused by my funds being low,,"I banked at Eagle National Bank. I am on a fixed income, and unfortunately, due to my finances being stretched thin, and having made the mistake of allowing debtors to debit my account directly, there were numerous instances of my account being negative ( overdrawn ) at the end of the month. But what BofA did, was to monitor my account, then, when debits came in they were not processed immediately, in the order of their occurrence, they were put into a "" pending '' status. The largest amounts were then deducted first, taking the account into an overdrawn condition, the result being that they were then able to charge {$35.00} for each small debit, as opposed to the actual in sequence debits, which would have resulted in only XXXX {$35.00} overdrawn charge. The financial impact was numerous months where the charges exceeded {$300.00} ... ..which compounded my financial problems the following month. I wrote to BofA and filed complaints several times ... .to no avail. I know someone was watching my account and doing that out of sequence debiting deliberately to achieve raiding my account for greater numbers of {$35.00} fees than would have happened if debits were done sequentially. I finally left BofA, but they continued to tack on additional fees which today have a total of around {$500.00} ... which I will not pay regardless of the effect on my credit rating. I am XXXX years old and will never buy another thing on credit again. Now that we know the dirty underhanded way the bankers and wall street have cheated, deceived and exploited XXXX for their own gain. It is so sad to me that ehy have not been effectively prosecuted. Such as the CEOs being chaged and found guilty of Felonies for XXXX XXXX, and then were given waivers and the bank was fined $ XXXX, paid by the banks customers. The lying cheating executives got to keep their ill gotten millions. Disgusting!! I am voting for XXXX XXXX in the hope he is elected and my bring about some change in what billionaireds get away with in America. 
","Older American, Servicemember",Consent provided,Web,2015-12-29,Closed with monetary relief,Yes,No,CR1721191,1589
2015-12-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"In 2005 my husband and I opened a safety deposit box account with a Eagle National Bank in XXXX XXXX, VA. We were in the process of XXXX our XXXX baby and caring for my mother in-law who, at the time, was XXXX. A few months after we adopted our daughter I entered into the same Eagle National Bank branch, with my XXXX baby girl, and spoke face to face with a manager on duty and requested closing the safety deposit box account. She agreed and said she 'd take care of it. I trusted what she relayed and did nothing else. We later closed all EN bank accounts. 
Many years have passed since that time and I learned this account was never closed, the bank billed us on their end for the safety security deposit account but never did we receive anything in the mail except notification from a collation agency in an amount excess if {$870.00}. Since adopting our daughter I 've been sick, working on and off, then I lost all income from the recession as I was a XXXX. 
Today I am healthy, XXXX and I can not qualify for the smallest XXXX loan due to old, out dated ( XXXX ) debt. 

Is there any way someone from your division can assist me in removing this derogatory statement from all XXXX credit bureaus? Your assistance in this matter is beyond appreciated and further needed. 
",,Consent provided,Web,2016-01-04,Closed with explanation,Yes,No,CR1720213,274
2015-12-29,Bank account or service,Checking account,Problems caused by my funds being low,,"On XX/XX/XXXX, I called Eagle National Bank regarding a debit to my account of {$200.00} from XXXX XXXX Card Services. I asked if the item would be returned before my direct deposit cleared on XX/XX/XXXX. The representative told me I would be charged a fee but it would not be returned. It was returned. I was charged not an overdraft fee, but a fee of {$35.00} for a returned item. What I have requested is that they not take my word for it, but review the recorded conversation between myself and the rep and supply me in writing that it was her error and not mine so I can forward it to my credit card company. I had XXXX choices, I could have deposited the {$200.00} or declined the extended credit limit from XXXX. One of the supervisors I talked to hung up on me ( although she noted "" disconnected '' ). I was on a landline. We were not disconnected and she did not try to call me back. The next supervisor/manager I talked to continuously talked over me, repeating the same thing as if I were illiterate instead of listening to me and answering what I was asking her. 
",,Consent provided,Web,2015-12-29,Closed with monetary relief,Yes,No,CR1720820,3320
2015-12-29,Bank account or service,Checking account,Problems caused by my funds being low,,"Over the long Holiday weekend my account fell below the balance needed. XXXX minus. So on Saturday XX/XX/XXXX I went to the bank and deposited XXXX into the account and brought it to about XXXX positive. It remained positive and was enough in the account to cover all small incoming. On Tuesday my account went to XXXX positive to minus XXXX of overdraft fees. I called Eagle National Bank and asked for help in the matter. During the conversation the lady asked me where I lived and I said XXXX XXXX Ca. She replied Oh that 's the wealthy part of Ca. Which is untrue. I replied I 'm on XXXX for a XXXX like really? She declined to credit and charges cause the computer says so. 
",,Consent provided,Web,2015-12-29,Closed with monetary relief,Yes,No,CR1720250,4929
2015-12-29,Credit card,,Privacy,,"I have XXXX credit card accounts with Eagle National Bank. This is second complaint. Some months ago I complained that BOFA is texting me and calling me at my work on a do not call line. I mailed to them several times to do not call my number. I put requests online to stop their XXXX office from harassing me which is illegal. They also call from blocked number. This harms my work and is very upsetting. Eagle National Bank does not respect my privacy. Texting costs me money 
",,Consent provided,Web,2015-12-30,Closed with explanation,Yes,Yes,CR1719160,8571
2015-12-29,Bank account or service,Checking account,Problems caused by my funds being low,,"On XXXX XXXX, 2015 an amount of {$36.00} was paid on my behalf from Eagle National Bank. I checked the account on XXXX XXXX, 2015 and realized that the account was in the negative. That same day XXXX XXXX XXXX, 2015 ), I made a deposit at the bank at XXXX XXXX of {$40.00} to cover the negative balance in the account. Today, XXXX 29, 2015, I received a letter from the bank say that they charged me an overdraft fee of {$35.00} for that day and they charged it after midnight and after I had posted the cash deposit at the bank. 
",,Consent provided,Web,2015-12-29,Closed with monetary relief,Yes,No,CR1720750,9833
2015-12-29,Credit card,,Identity theft / Fraud / Embezzlement,,"Recently filed a complaint against Target for fraudulent activity on my account. Received a letter from a XXXX XXXX on XXXX XXXX, 2015 asking me to submit information to Target so that they may conduct an investigation regarding the fraudulent activities on the account. I submitted the documentation to Target as instructed over a month and a half and still no response from this XXXX XXXX person. I have contacted Target on several occasions trying to get in touch with this person and no one seems to know who this person is nor do they have any contact information for this person. It almost seems as if they just inserted someones name on their letterhead and sent it to me and well as the CFPB just to respond. I feel that Target did not acknowledge nor answer my complaint. 
",,Consent provided,Web,2015-12-29,Closed with explanation,Yes,No,CR1720910,2705
2015-12-29,Credit card,,Credit card protection / Debt protection,,,Older American,Consent not provided,Web,2015-12-29,Closed with explanation,Yes,No,CR1720144,3853
2015-12-29,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2015-12-29,Closed with explanation,Yes,Yes,CR1719834,2870
2015-12-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-12-29,Closed with monetary relief,Yes,No,CR1720263,2888
2015-12-28,Bank account or service,Checking account,Using a debit or ATM card,,"A former schoolmate of my girlfriend 's XXXX XXXX XXXX XXXX owed her some money and in order to pay her back, he got in contact with me. He said he 'd deposit some money into my account and that once it cleared, I should take my portion and send him the rest. He then asked her that I should mail my debit card to him because he needed it to make the deposit, and not thinking anything of it, I changed my pin and did as she said. I paid close attention to my account, and when I saw the money in there, I felt relieved. Little did I know that it was a scam, and in a few hours, nearly {$4000.00} was withdrawn from my account. I have since contacted the bank and police to try and resolve the issue and get the guy, but nothing has been done yet. 
",,Consent provided,Web,2015-12-28,Closed with monetary relief,Yes,No,CR1719019,2940
2015-12-28,Bank account or service,Checking account,Problems caused by my funds being low,,"To Whom It May Concern : Please be advised that the filing of this complaint with the Consumer Financial Protection Bureau ( "" CFPB '' ) follows a summary complaint filed with the Office of the Comptroller of the Currencies ( "" O.C.C. "" ), without supporting documents, and is intended to notify Eagle National Bank ( "" BofA '' ) of my intentions to pursue litigation for unfair and deceptive banking practices as it relates to recording bank transactions ( i.e. backdating banking activity ) in an effort to charge additional overdraft bank fees. I 've incurred these overdraft charges as a result of either a broad and systemic bank issue or the bank has intentionally levied fees against me in the wake of a successful consumer lawsuit against the bank. The lawsuit involved a consumer credit reporting dispute against Eagle National Bank involving the Fair Credit Reporting Act ( "" FCRA '' ) to which the bank was found negligent back in XXXX XXXX in the XXXX District Court of Massachusetts. 
The following provides a summary explanation of banking activity involving a primary checking account and XXXX bill payments processed through the primary checking account that evidently occurred between XXXX XXXX and XXXX XXXX of XXXX. Bank notifications supplied by Eagle National Bank call into question the sequence of the XXXX bill payments as well as the accuracy of the primary checking account 's balance on XXXX XXXX, XXXX which the bank controlled and therefore relied upon to charge the overdraft fees. The sequence of these XXXX bill payments and the resulting overdraft fees is neither consistent nor supported by customer notifications initiated by the bank to indicate recent bank activity and the primary checking account 's balance ( s ). 
The primary checking account that my wife and I hold with Eagle National Bank had a beginning balance of {$41.00} prior to XXXX bill payment transactions that Eagle National Bank has reported as occurring on XXXX XXXX, XXXX. [ See Exhibit XXXX ] A payment to my wife 's XXXX XXXX account was scheduled to transact on XXXX XXXX, XXXX for {$30.00} through the bank 's online payment web portal. On XXXX XXXX, XXXX, I received an email notification from Eagle National Bank indicating that our primary checking account balance fell below the {$25.00} pre-determined amount that was set by the customer to notify of low balances. [ See Exhibit XXXX XXXX The email notification indicates that the primary checking account balance of {$41.00} had decreased to {$11.00} as expected following the {$30.00} XXXX XXXX payment. 
On the following day XXXX XXXX XXXX, XXXX XXXX, I received another email notification the primary checking account had become overdrawn. As the bank explains, the overdrawn balance was the result the {$30.00} XXXX XXXX bill payment as well as a bill payment for {$180.00} to XXXX. [ See Exhibit XXXX ] Based on the documentation and statements provided by Eagle National Bank, I contacted their customer support center on the evening of XXXX XXXX, XXXX to dispute the overdraft charge on the XXXX XXXX payment and to request a refund of that overdraft fee. [ See Exhibit XXXX ] The explanation by the bank representative as well as the notifications and statements do not support the processing of the {$180.00} XXXX payment first. First, Exhibit XXXX clearly indicates that a {$30.00} transaction occurred to change the primary checking account balance from a beginning balance of {$41.00}, to {$11.00}. [ See Exhibit XXXX ] Secondly Exhibit XXXX clearly indicates the {$30.00} XXXX XXXX payment first in sequence as evidenced by the transaction number ( s ) indicated in the bank 's document. Finally, Exhibit XXXX shows the same sequencing of payments with the {$30.00} XXXX XXXX payment first in order. [ See Exhibit XXXX ] Please see the attached document for a full and complete narrative of the issue along with supporting statements and documentation. 
Thank you. 
Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX 
",,Consent provided,Web,2015-12-28,Closed with monetary relief,Yes,No,CR1718512,13751
2015-12-28,Credit card,,Identity theft / Fraud / Embezzlement,,"Eagle National Bank ( my XXXX card ) added foreign transaction fees to a purchase I made on- line, on XXXX/XXXX/15 transaction ( reference ) number XXXX. Based on my conversation with the company, Just Sweatshirts they disclosed that they shipped the items from XXXX XXXX XXXX, XXXX, New York. I was billed in XXXX dollars ( {$180.00} ). My bill and invoice confirms that the company shipped my product from New York State. 
The card company said that the company billed them from XXXX, XXXX. The company denied that. I have the documents to support my allegation of Fraud by Eagle National Bank. It is not about the minor {$5.00}, It is about how many millions is the credit card company making illegally by falsely adding on fake foreign fees. Even if the company sent paperwork from XXXX, the products came from the XXXX, not XXXX. 
",Older American,Consent provided,Web,2015-12-28,Closed with explanation,Yes,No,CR1718883,1800
2015-12-28,Credit card,,Closing/Cancelling account,,"I closed all of my Eagle National Bank accounts, due to a large amount of high cost fees. When it came time to close my Bank XXXX XXXX, I contacted them and informed them that I intended to close the account and requested the pay off amount. On XXXX XXXX, they cleared a payment of {$3700.00}. That amount gave me a credit of {$1.00}. I contacted the bank again, I was told that the account needed to be at {$0.00}. I requested that the credit be sent to me and I was told that my account was now at {$0.00} and therefore I requested for it to be closed. The following month I receive an email notification for a balance of {$35.00} on my account. I contact the bank and I am now told that the account was never at {$0.00} and I never paid the amount in full. After an hour going back and forth, I relented and paid the {$35.00}. I was once again told that I was at {$0.00} and the account was closed. 
",,Consent provided,Web,2015-12-28,Closed with monetary relief,Yes,No,CR1719148,746
2015-12-28,Bank account or service,Checking account,"Account opening, closing, or management",,"In XXXX of 2014, I had inquired about opening a personal savings or checking account with Eagle National Bank, as my XXXX previous business accounts were closed in conjunction with a failed business. I was told that I could open a checking account, and that I would not be charged fees if the account were opened with a minimum balance of {$100.00}, which I did. As no further transactions were conducted, there was never a reason to inquire about the account. 

When I returned to the bank 1 year later, to begin making deposits, I was told that my account was closed, my {$100.00} was gone and that I owed the bank {$45.00}, even though I had never conducted XXXX transaction. The reason was that the bank charged me {$1.00} to send me a paper statement ( which I did not ask for and would prefer email ), and then promptly charged me {$15.00} a month for being under balance until the account was depleted. 

I am not against bank fees, but to deplete an entire account where not XXXX transaction was ever made is egregious at best and predatory at worst. Bank Statements are a necessary cost to the branch to conduct business in this state. Furthermore, had I been informed at the outset, I would have opted for E-Statements which do not cost money. They claim this is offered to everyone, but this was not discussed at all with me when I opened this account, and the employee who opened the account no longer works for the company. 

I contacted the XXXX XXXX XXXX branch who told me that I had to call customer service at XXXX. Customer Service told me I had to call recovery. Recovery referred me back to the branch. The branch again said I needed to speak with customer service. I am requesting that the CFPB assist in the bank investigating the matter and remitting back into my account all fees associated with the "" under balance fee '', if not the {$1.00} per month paper statement fee. 
",,Consent provided,Web,2015-12-28,Closed with monetary relief,Yes,No,CR1718867,3498
2015-12-28,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-12-28,Closed with non-monetary relief,Yes,No,CR1718377,4368
2015-12-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-12-28,Closed with explanation,Yes,No,CR1718930,102
2015-12-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-12-28,Closed with monetary relief,Yes,No,CR1717593,6
2015-12-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-12-28,Closed with explanation,Yes,No,CR1717569,3118
2015-12-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I was trying to sign up for the community college around XXXX 2015 and my cousin dropped me and my other cousin off there. I accidentally left my bag in the car when she took us home and not realizing that I did until she had left. A few weeks later I needed my birth certificate and when I could n't find it I remembered that she took us to sign up for school. I asked her over and over again about my information and she tried to make it seem like she did n't know where it was at. So a few weeks after that she called and told me that she had my social security card and birth certificate and that she would take it to her mothers house. I went over to get my papers and my aunt said that her daughter never came over that day and my cousin was swearing up and down that she did. After that she stopped answering my phone calls so I went and filed a police report. I 'm just now figuring out that someone is using my information to open bank accounts in my name. I filed the police report in XXXX of 2015 but I 'm just now finding out about fraudulent behavior using my information. I was calling my debit card to check my account balance and I got lazy and did n't feel like typing in the whole card number so I just typed in my social and birthday but it said that I have multiple accounts using my information. I should only have XXXX account which is my checking account but it was saying that I have multiple accounts so I instantly knew that something was wrong. If you can please help me and contact me soon as possible I will greatly appreciate it. Thank you 
",,Consent provided,Web,2015-12-27,Closed with explanation,Yes,No,CR1717315,1899
2015-12-27,Credit card,,Rewards,,"I 've been XXXX ( XXXX XXXX ) credit card holder since XX/XX/XXXX. My credit line was {$20000.00}, I never went over the credit line limit and have always paid my balance on time and in full. This credit card has a reward program with 2 % cashback on each dollar spent. 

My credit card was suddenly closed by the credit card company in XX/XX/XXXX. When I called to inquire about the reason for closure I was told that the credit card company can close any account for any reason or no reason. I legitimately earned {$180.00} cashback which I tried to redeem but was not able to do so, online nor over the phone. I was told the rewards were forfeited because the credit card was closed. 

The rewards show in my account as available as of today XX/XX/XXXX, I earned these rewards ( cashback ) by using the credit card. I did n't do anything against the terms of service but XXXX XXXX XXXX does n't want to pay the rewards. 

Please help me to deal with this company to get my rewards of {$180.00} I earned. Thank you. 
",,Consent provided,Web,2016-01-08,Closed with explanation,Yes,Yes,CR1717018,1172
2015-12-26,Bank account or service,Checking account,"Account opening, closing, or management",,"Five or six months ago, I noticed a monthly overdraft fee of {$12.00} on my simple Eagle National Bank checking account. For the last three months, I 've been asking my bank to stop the overdraft fee ( remove the overdraft protection from my account ) and explain the $ XXXX monthly maintenance charge. I 've gotten no explanation for either, I 'm just told that the bank can not do anything about it, and I 'm still incurring both fees. 
",,Consent provided,Web,2015-12-26,Closed with monetary relief,Yes,No,CR1717071,3585
2015-12-26,Bank account or service,Checking account,Using a debit or ATM card,,"I recently called Eagle National Bank for a dispute I had, because I had {$300.00} taken out of my account through an atm. That was after I realized they stole my whole wallet from my jobs XXXX party. First, they do the claim over the phone, and ask you a series of the dumbest questions I ever heard! After, like 20 min on hold and 45 min trying to explain what happened, I get no temporary credit or anything. I told them that 's was all my money and for holidays. So I had to wait 10 whole days for them to send me a message saying the claim will not be paid, because the transactions were dispensed and just. I know they were dispensed, but not to me. I am do upset with this bank and how they play you from every angle. Plz help. 
",,Consent provided,Web,2015-12-26,Closed with monetary relief,Yes,No,CR1717084,12738
2015-12-26,Credit card,,Identity theft / Fraud / Embezzlement,,"My Eagle National Bank account was hacked and frauded of {$9500.00}. Someone acquired my information and deposited checks into my account and then withdrew the money from my account and I was n't notified by my bank about any of this activity. My account was forcefully closed and I have a negative balance of {$9500.00} that the bank says I 'm liable for. I filed a claim and was told that I would receive papers to finalize my claim but instead they asked me questions over the phone and took my claim that way. My claim was denied within 24 hours and I have inquired about appealing my denied claim but no one will take my questions regarding that. I just want the debt resolved as I did n't write the checks or authorize any of the transactions that occurred. 
",,Consent provided,Web,2015-12-26,Closed with explanation,Yes,No,CR1717175,3701
2015-12-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-12-26,Closed with non-monetary relief,Yes,No,CR1716960,2937
2015-12-26,Bank account or service,Savings account,Deposits and withdrawals,,,,Consent not provided,Web,2015-12-26,Closed with explanation,Yes,No,CR1717082,10778
2015-12-25,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-12-25,Closed with monetary relief,Yes,Yes,CR1716980,2682
2015-12-25,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Other,Web,2015-12-25,Closed with explanation,Yes,No,CR1716726,7102
2015-12-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-12-30,Closed with explanation,Yes,Yes,CR1716876,1349
2015-12-24,Bank account or service,Checking account,Deposits and withdrawals,,"Good day and a happy XXXX holiday to all of you ... 
I am being defrauded by my bank-Eagle National Bank via a direct deposited check paid monthly by one of my renters-directly to me. He lives in XXXX, XXXX and uses the XXXX in XXXX. My B of A banks are down here in the XXXX XXXX XXXX. They have cheated me before. But this time, on XXXX XXXX, the XXXX had sent an electronic check to the B of A and it was endorsed and stamped as received and a copy sent back to said bank and to my renter. I never saw that money. I got into it with B of A reps. yesterday and they promised to credit said amount that apparently went through their "" bill pay '' system and they did n't know what happened thereafter? That evening the amount of {$500.00} was credited to my account. And here we are a day or two later and the money has disappeared once again from my account. B of A is trying to cheat me out of money they received/took/deposited somewhere and credited to the other bank? 
Please help as this is totally overwhelming and my account can not handle this missing rent check. Same said property needs a well repaired & I can not do it without said money. The renter is elderly and can not understand what is going on? 
many thanks XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX XXXX 
",,Consent provided,Web,2015-12-24,Closed with explanation,Yes,No,CR1716661,280
2015-12-24,Bank account or service,Checking account,Deposits and withdrawals,,"I am trying to deposit to my EN checking account ( EN branch XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) for the amount of {$2400.00} ( {$2400.00} cash and {$30.00} in check ) and was told by the bank teller and branch manager ( XXXX XXXX XXXX ) that they would need to see my ID and SS # in order to make the deposit. I told them why they would need my ID and SS # since this is just simple a deposit no withdraw or check cashing and I have included my account deposit slip and they should have all the info they need. They told me this is a new law that EN enabled recently for all cash deposit. I told them this the first I heard of this and asked for the statute number of the Act and they could not provide me one. I told them by law they would need to either disclose by mail or posted at the facility such as XXXX, CRA, or Fairling Lending Act. I fell that I was targeting, profiling and discriminated against based on my XXXX and XXXX. Please help ... 
",,Consent provided,Web,2015-12-24,Closed with explanation,Yes,Yes,CR1716084,957
2015-12-24,Credit card,,Arbitration,,"My family had experienced a job loss back in XXXX of XXXX. Out of close to a $ XXXX monthly gross we were reduced to only my income of around {$1000.00} gross. Immediately food, mortgage, a phone and internet access for another job opportunity in the month of XXXX became the most vitally important expenses. I was able to get food stamps by XXXX, and my husband was able to find a very part time employment at a significantly reduced pay by the end of XXXX. We are also in the process of divorce, of which the job loss to some small extent was a deciding factor. Not the loss per se, but rather the circumstances surrounding it. He had contacted his credit card and student loan, I had contacted mine in that first month. My student loan prior to food stamp acceptance said my debt was less than a certain percentage of my total income, but may be able to work with me in the future. My other credit card said can put me on a plan for one year until things get situated. My XXXX XXXX XXXX, through Eagle National Bank, the one I am complaining about, is a different story. I called them back in XXXX to explain my situation and was at first offered a reduced rate with a reduced payment and no late payment penalties as long as it was not over a certain period of time but it would close the account. I said I accept. I received a letter saying I was ineligible for this offer. When I called them to ask why, I was told it was due to the fact that my issues were considered temporary, the monthly payment did not save me significantly, therefore it was better to keep the card open and just pay the regular payment that over time would be viewed in a process that may lead to my not having to pay the one month plus and that if paid the minimum due I would not be charged late fees. The next month I found this to also be untrue. I spoke with a representative and asked to speak to a manager who also at first offered to close the account at a much reduced interest rate with a slightly higher minimum due, then said wait, that is only for a permanent change. He explained to me then there was a program to drop off the overage ( like before ), but that I would be charged late fees, but so long as made their new minimum due that was {$41.00} higher it would automatically enroll me in said program but he could expedite it with an application. I was confused and asked him would that change next month, when another late fee is added, and I would probably also then be considered over my account? I have been told several different stories by now and have no reassurance I will get any of these programs, and in the mean time my bill is going up when I still have to make priority payments on my paycheck. I called them back at a later point to speak with yet another manager after a call to collect a debt, and explained to her my situation. She at least was able to clear some of the misunderstanding on policy I doubt some of the employees were familiar with, and said would attempt to see if could drop the late fees at least. I was called back by her that she was unable to do so. Here is my complaint : 1. That I have made a real and consistent effort to work with them during a period of hardship aka loss employment of the husband and "" bread winner '' and divorce 2. I missed one month payment that I have yet been able to make up on top of the new month 3. That I am being charged with a late fee every month since despite paying the minimum due, because I am still unable to pay the one month plus late fee each month 4. That by as soon as next month I might pay the minimum monthly due again at an increase, but unless pay that plus the one month I will be charged a higher late fee, plus a higher minimum, plus an overage, plus a penalty higher APR. XXXX. That I was told very conflicting solutions and told denied and 5. That I have had this card since XXXX and again, one month miss 
",,Consent provided,Web,2015-12-24,Closed with monetary relief,Yes,No,CR1715927,2847
2015-12-24,Bank account or service,Checking account,Problems caused by my funds being low,,"XXXX XXXX i received a charge on my account form XXXX ( furniture rental ) for XXXX that was not valid. i filed a dispute that they stated would take up to 10 business days. they came stating i needed to provide documentation that this charge was not valid. but did not ask the vendor to provide documentation that it was.!!! of course they bounced everything in the account that would have been more than covered if the unauthorized charge was not there! the manager at the branch allowed me to withdraw cash pending dispute resolution which i appreciated or else i would not have been able to buy gas or food .. when i called about it i was hung up on by a rude rep who got upset when i asked to speak to a supervisor. This dispute is not being handled correctly or fairly because the bank does not want to refund XXXX in fees. 
then on XXXX/XXXX/15 and XXXX/XXXX/15 i was charged XXXX in fees because of the way the bank posted the payments they bounced out charges for XXXX XXXX XXXX and XXXX to be able to charge the XXXX per day max -- then did it again on XX/XX/XXXX i spoke to a supervisor on XXXX/XXXX/15 who told me the the end of the business day is XXXX so slot of what they charged me fees for technically posted before the end of friday 's business day!!!! the way they handled those fees was underhanded! i asked for documentation for the charges to dispute the fees and was met with resistance. i want documentation about those charges and posting since i am not ok with paying XXXX in additional fees when at most i should have paid XXXX possibly XXXX. Also when i filed a dispute the last time i had a problem with the bank i was told each office has a budget for fee refunds and it took almost 2 weeks to get the refunds i was due since they has to go to other offices who had more money in their budgets for fees.!!!!!!!!!!!!!!!!!!! that is absolutely ridiculous if the bank is wrong and a refund is owed then pay it!!!!!!!!!!!!!!!!!!!! they should not be able to limit how many funds they refund if the BANK IS IN THE WRONG!!!!!!!!!!!!!! i would also like to know the legality of that policy as well. i want the dispute handled the correct way 
",,Consent provided,Web,2015-12-24,Closed with explanation,Yes,No,CR1716059,3491
2015-12-24,Credit card,,Payoff process,,"ON XXXX XXXX I went into a local branch to make a payment so it would be credited quicker.I was advised by the banker that the best way to get this done would be to make a payment through the internet on their website as I have always done. Nothing has changed and I used the same bank I always do. I was advised when calling customer service it could take up to XXXX hours and in addition this was part of their disclosures. I had to make this payment quickly but thinking this would be good on Friday the XXXX at latest I was fine with this. I have a contract with XXXX XXXX as we own a franchise that requires payment be made promptly. If not they have the right to take our franchise away. At the very least it would be a professional embarrassment. XXXX XXXX XXXX the check was cleared and the money removed from the bank I do business with. XXXX XXXX XXXX XXXX to have this charged and was denied. I quickly checked my balance which showed a hold on the account even though the money was taken from my account. I called customer service was advised the calls could be recorded or monitored which is totally fine with me. I spoke to several customer service personnel, including ( after numerous request and lack of customer service XXXX Customer service supervisors and purportedly management. I expressed my frustration requested a call back from corporate and needed an immediate remedy to this issue. I spoke to a XXXX at XXXX and was told she is the customer service manager. I faxed her proof at XXXX PM of the check clearing my account, and proof that I had more than sufficient cash flow and balances to take care of any issues. It was only a {$1000.00}, but I needed the availability. I was also told by Eagle National Bank that if I had a bank account with them they could lift this hold. THIS IS LIKE BLACKMAIL IN THAT THEY WOULD ALLOW IF IT WERE THEIR BANK AND UNILATERALLY DISALLOW A VALID CLEARED CHECK NOT TO BE CREDITED. i WOULD THINK THIS IS A XXXX BANK VIOLATION YET THEY HIDE BEHIND THE FACT THAT THE XXXX GIVES THEM THE RIGHT TO HOLD MY MONEY UP TO EIGHT BUSINESS DAYS. The customer service manager XXXX assured me she had the authority to have this cleared earlier once she verified the funds were clear. SHE never did as on the XXXX I was again informed that it shows on their records that it was credited yet nowhere no how was the merchant XXXX XXXX Corporate able to get this through. My money was taken, cleared and never credited. If they do this to all their clients or have the ability it could amount to millions of dollars which they use, it could result in bullying the public or compelling them to open up bank accounts with Eagle National Bank, worse such as myself it will cause tremendous embarrassment, loss of a business relationship or horrible consequences such as I have been placed into as a result of their unethical procedures. 
I have kept detailed logs as to who I have talked with. I attempted to have this escalated and all I have been told after calling back and speaking to another XXXX was that no one else was available and it is BEING ADDRESSED. This is improper and to be quite honest I was told the hold was until the XXXX XXXX. Now I am being told that the manager XXXX had to leave on a family manager that Tierra ( number XXXX XXXX the alternate manager could do nothing further and that XXXX did everything she should. I did not receive a courtesy call and I was the one who had to reach out. I asked if there was anything I did wrong or could do differently and was told that Eagle National Bank at anytime BY RANDOM CHOICE could restrict credit from a payment ( even if it cleared ) and there was no way to prevent this. I have been given wrongful advice by customer service, branches, management and personnel. I would immediately close my business with them but by eliminating available credit it will damage my credit scores and further damage me. 
",,Consent provided,Web,2015-12-29,Closed with explanation,Yes,Yes,CR1715090,3297
2015-12-24,Credit card,,Transaction issue,,"Target Red Card reported delinquent payment due to insufficient fund to the Credit Bureau which resulted in massive downgrade in the my credit score. The issue aroused because the payment has been taken out from my savings account as opposed to checking account. Although, the account has been initially set up as savings account by me, the credit card issuing company 's system does not provide any visible indication what type of the account the payment account is set up. It also does not provide that information in their payment confirmation detail. Without sufficient disclosure of where the payment is being taken out, the burden is on me to try and remember what account was set up initially ( which could be many years prior ). This is an undue burden upon consumer. The credit card issuing company 's system need to be fixed and confirmation details also need to be updated to reflect the payment sources. Without it, the consumer is on the dark and unnecessary fees and credit reporting issues is being incurred. 
",,Consent provided,Web,2015-12-24,Closed with explanation,Yes,No,CR1716641,4644
2015-12-24,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-12-24,Closed with monetary relief,Yes,No,CR1716740,341
2015-12-24,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-12-24,Closed with explanation,Yes,Yes,CR1716498,4385
2015-12-24,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-12-24,Closed with explanation,Yes,No,CR1716605,2294
2015-12-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-12-28,Closed with monetary relief,Yes,No,CR1716865,3359
2015-12-23,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank is referring me to XXXX and I never had an account with them 
",,Consent provided,Web,2015-12-23,Closed with explanation,Yes,No,CR1713618,4115
2015-12-23,Bank account or service,Checking account,Problems caused by my funds being low,,"EN likes to charge a fee when they feel like it. I took {$20.00} out of bank as my direct deposit was going through. Was charged a {$34.00} nsf fee when in the past have never had this issue. Also had previously spoke to a manager who told me if a direct deposit was pending I would be fine. 
",,Consent provided,Web,2015-12-23,Closed with monetary relief,Yes,No,CR1714296,4009
2015-12-23,Bank account or service,Checking account,Problems caused by my funds being low,,"The Eagle National Bank ( "" Bank '' ) completely failed to notify me, an XXXX resident, of the overdrawing in issue in a timely manner but charged me an overdraft fees in the approximate amount of {$100.00} or more on or about XXXX/XXXX/15 notwithstanding the facts that the Bank had 3 or more ways to notify, promptly and before any overdraft fees, me of any such overdrawing by phone, email and mail because I provide the Bank with my cell. phone no. given as part of my profile info., my emails address given through my online banking and my address given as part of my account profile info. and that I protested to, and asked, the Bank for their waiver on or about XXXX/XXXX/15. If the Bank had given me the notifications in a timely manner, I would have corrected my overdrawing promptly enough to avoid any such overdraft fees. Therefore, I request that the Bank refund the charged overdraft fees to me and be sanctioned. 
",Older American,Consent provided,Web,2015-12-23,Closed with monetary relief,Yes,No,CR1714698,4336
2015-12-23,Credit card,,Closing/Cancelling account,,"My Eagle National Bank credit card account was closed without prior notification/warning. I tried to use my card on Thursday, XXXX XXXX, 2015 and it was declined. I called Eagle National Bank customer service, waited 38 minutes, and was transferred 4 times. The last person I spoke to proceeded to tell me that they were missing some information in regards to my citizenship, that they sent out a letter requesting this information and received no response, therefore my account was closed. I never received a letter, an email, a single phone call from the bank requesting this information. I had recently requested a credit line increase which was approved, about a couple of weeks prior to this. All of my payments have been made on time during these last ten years, and my balance was about 10 % of my credit limit. 
The solution offered was to re-run my credit to reinstate my account - which I declined since I never requested my account to be closed. 
",,Consent provided,Web,2015-12-23,Closed with explanation,Yes,No,CR1715433,5137
2015-12-23,Credit card,,Closing/Cancelling account,,"On XXXX/XXXX/XXXX I opened a credit card with the Eagle National Bank. On XXXX/XXXX/XXXX I was notified the card did not go through during a transaction so I called the company. I was told by CSR XXXX that they needed to "" verify '' my Social Security number and since that process was n't completed the card was closed. I was in awe - shocked. I advised the CSR that I had not received anything requesting additional information from the Eagle National Bank and she advised that a letter had been sent out. I have no idea where they sent that letter but it was n't to my address. I advised her of this. I wound up talking to XXXX, Manager and she was trying to get us through to the department we needed to straighten the situation out. We were on hold for an extended period of time and she gave me the direct number. On XXXX/XXXX/XXXX I called ( XXXX ) XXXX - the Compliance Processing and Monitoring Department and spoke to CSR XXXX. He advised to fix the situation and re-open the card I had to A ) Go in to a Eagle National Bank branch ( there are none within a XXXX mile radius, at least, from my house ) or B ) I could fill out a form and fax it back to them. My Social Security number is not going out anywhere on paper. This is their problem and they make it mine. When I asked to speak to a Manager I get XXXX, an Escalation Specialist. I told him because of their mistake my credit is affected and he says "" Correct '' - then he catches himself and says "" there is minimal or any affect to my credit ''. I do n't even think "" minimal '' is fair - I did nothing wrong. If I had received a letter I would have responded to it. I have a XXXX XXXX I have had for many years. I do n't ignore things. If they have an "" internal audit '' that involved needing my Social Security number and the account gets closed through no fault of my own, how is that my problem ie : affecting my credit? At the tail end of our conversation, XXXX says to me "" You had a Eagle National Bank card that was closed with a balance ( I think he said ) of {$500.00} on it ''. That card was closed when I was forced to claim bankruptcy in XXXX. I was a Nurse and blew out my spine lifting a patient. I lost everything and was forced to file bankruptcy. I told XXXX, Manager, this, but I am sure there was a code showing along with the old account and he was quite aware that the card was closed in a bankruptcy. It sounded like he was throwing it up in my face, like "" I 'll show her ''. "" How dare he mention this? What did it have to do with the matter at hand? He does n't know the back round of the bankruptcy - I am now legally XXXX from this injury. How unprofessional. He should consider himself lucky if he has never faced a catastrophe and had to deal with everything that goes with it. And this from an "" alleged '' professional. 

My complaint is that The Eagle National Bank 's mistake is going to affect my credit, plain and simple. They have to have a better system during these "" audits '' - My phone number is on file - what happened to a follow-up phone call after sending the letter? Everything could have been avoided if this practice was in place. 

I am glad, at least, that the Eagle National Bank will no longer get ANY of my business and I will be sure to relay this to all family and friends. 
",,Consent provided,Web,2015-12-23,Closed with explanation,Yes,No,CR1714251,3539
2015-12-23,Bank account or service,Checking account,Problems caused by my funds being low,,"I went away to college last year and opened my first student checking account at Eagle National Bank. When I attempted to login to online banking through the EN website, I was encouraged to sign up for an overdraft protection program. I could n't figure out how to "" get out of that '', so I signed up. Shortly thereafter, I overdrafted my account and since I was unaware that it happened, I overdrafted again the next day. A week later, EN notified me, via US mail, that my account was overdrawn and I owed {$140.00} in fees. My mom helped me get {$70.00} waived, and the customer service agent we spoke to unenrolled me from the program. Fast forward to a few weeks ago, and the exact same thing happened again. When I asked, I was told that I never unenrolled from the program. However, when I called the corporate XXXX #, I was told that I did unenroll back in XXXX 2015, but the next time I logged into the online system, I re-enrolled. XXXX different stories from them plus I NEVER re-enrolled in this crazy program - I believe their bank system somehow did that. I also believe that EN targeted me as a student who is just learning how bank systems operate and, being a low-to-no income person, this is truly not fair. My entire last paycheck went to paying EN 's fees - and the amount I overdrafted was a measly {$13.00}. Can anything be done about this unfair, misleading and discriminatory practice? 
",,Consent provided,Web,2015-12-23,Closed with monetary relief,Yes,No,CR1715672,934
2015-12-23,Credit card,,Delinquent account,,,,Consent not provided,Web,2016-01-08,Closed with non-monetary relief,Yes,No,CR1715596,4745
2015-12-23,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-12-23,Closed with non-monetary relief,Yes,No,CR1715570,3678
2015-12-22,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank just charged me {$35.00} overdraft fee for less than 24 hours when my bank account was negative {$1.00}. That 's a lot of interest for an extremely short term loan on a dollar. When I called to try to get them to refund me, they told me they already had refunded me once in XXXX and therefore they could n't do it again. 
",,Consent provided,Web,2015-12-22,Closed with explanation,Yes,No,CR1713962,1969
2015-12-22,Credit card,,Transaction issue,,"I gave my credit card number to a contractor to be used as a security deposit for services that we booked an appointment for. The contractor ended up using the credit card to charge us for their services and over-charged me for their services. I filed a complaint with Eagle National Bank and requested the disputed amount of the charges be declined and allow me and the contractor to work out the dispute directly. Eagle National Bank initially declined to dispute the charges on my behalf, then after receiving a letter that I wrote them regarding the issue, re-considered and offered to refund the full amount of the charges, then later, again changed their minds and only refunded a portion of the disputed amount claiming that they do not have the authority to refund all the disputed amount. 

I never approved the full amount of the charges and the contractor does not have anything in writing proving that I owe the full amount, and yet the bank is refusing to refund the full disputed amount. Furthermore, the bank assessed finance charges on the disputed amount that is not in accordance with our credit card terms. 

I feel that the banks actions regarding the dispute as well as the application of the finance charges is in violation of the law. 

I am asking that the full amount of the dispute be refunded. 
",,Consent provided,Web,2015-12-22,Closed with monetary relief,Yes,No,CR1713201,1814
2015-12-22,Credit card,,Payoff process,,"I obtained a "" XXXX Card '' credit card from Target stores. I believe the card is owned by XXXX. I 've been trying for over a week to pay my balance of {$84.00} but they wo n't allow me to pay in cash or credit card. And are now attempting to collect late fees on the money they refute to accept. I moved and am changing banks and been asked repeatedly for my routing number. I do n't have a number for them until I have a permanent address. I 've bee told, after hours on the phone, three times to visit Target 's customer service and pay my bill with cash or credit card. I was even given a reference number to use. They have told me, by phone, I owed {$86.00}, then {$130.00}, then {$84.00}, then {$110.00}. Yesterday I was at target 's customer service on the phone with XXXX for 2.5 hours. They will not accept my payment and are in the process of charging me late fees, even though they are the ones not accepting payments even of cash. 
",,Consent provided,Web,2015-12-22,Closed with monetary relief,Yes,No,CR1714131,4551
2015-12-22,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-12-22,Closed with explanation,Yes,Yes,CR1711405,1161
2015-12-22,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-12-28,Closed with explanation,Yes,No,CR1713287,1806
2015-12-21,Bank account or service,Checking account,Problems caused by my funds being low,,"I had receive a check in the mail for XXXX that was given to me from a friend who needed money. I went to bank on XXXX to deposit the check and bank teller deposit money into my account. I ask bank tell if the check going to be clear on XXXX and she said, '' yes '' that it would be in my account XXXX morning. when I check my bank account, the money was in my account XXXX morning. The local Eagle National Bank that I bank with, used the money for my purchase that I have made last week to pay for a bills as well. I went to the local XXXX to get a money order to send to a friend. the first money order went through with no problem and second one did not cause bank put a hold on my debit card thinking that it was a fraud or somebody using my card. so I told them to cancel check for XXXX and that I was going to go see if XXXX going to give me back the money. customer service department of Eagle National Bank told me that they going give me back money and put it into my account at midnight it never went in. XXXX, I got paid with my regular pay check and bank took that money as well to pay for my bills. only thing that see that bank did was reversal of the XXXX in my account. the whole time neither bank nor customer service never call to tell me that check that I deposit into my account on Monday was no good. I also have fraud protection on my account. I call customer service on Friday about my account, they told me that they sent XXXX check back to owner and that he put a stop payment on the account. so they charge me XXXX fee and XXXX for my account being over draft. they said that I have pay them the money or the friend that sent check have to pay them. this was from my local Eagle National Bankn who I talk to one of local manager at the bank. 
",,Consent provided,Web,2015-12-21,Closed with monetary relief,Yes,No,CR1710349,2650
2015-12-21,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"In XXXX of XXXX, I took out XXXX business loans from Eagle National Bank. XXXX was in the amount of {$25000.00} and the other was in the amount of {$140000.00}. Each loan was given it 's own account number and each month I sent in XXXX checks as payment ... XXXX for each account. XXXX account number ended in XXXX and the other number ended in XXXX. In XXXX of XXXX, the bank erroneously credited both checks to XXXX account and I received notice that the other account was delinquent. I called the customer service number and resolved the issue, but in order to prevent future accounting errors, I decided to have the funds automatically debited from my checking account and applied to the appropriate loans. I received an email with what was supposed to be the proper paperwork, but it was only for XXXX. The next day I received another email with a form which I assumed was for XXXX, but it was also for XXXX. Once again, I called the customer service number and spoke with a woman. I gave her my name and XXXX account numbers. She informed me that both accounts had been consolidated and the new number ends in XXXX. I asked her what the amount was for the new consolidated loan, and she told me it was {$320000.00}! I was shocked, as this amount was twice as much as I had borrowed. She placed me on hold and when she returned, she said that they had another customer with my exact same name and exact same account number with the amount she had quoted me earlier. She told me that my loans had NOT been consolidated. She claimed to have resolved the issue and everything would be fine from here on out. Naturally, I was skeptical. So I sent an email to a customer service rep that I had been dealing with asking to send me XXXX ACH enrollment forms ; XXXX for each of my loans. From there on out, I began dealing with a man by the name of XXXX XXXX. He sent me an email with ACH enrollment forms which I completed and returned to him along with XXXX voided checks. He also asked me to send him XXXX separate emails, XXXX for each account with the following information : o Customer Name and Account Number ; o Customer 's Check Number ; o Amount of payment ; o Effective date of payment ; o Bank Name ; o XXXX Number ; o XXXX Number When I had completed all of that, I assumed I was finished. However, I received another email from XXXX XXXX about a month later stating that he had sent me the wrong form and that I needed to fill out another form. Once again, this form was for only XXXX loan and not XXXX. The email was addressed to XXXX XXXX ( My name is XXXX XXXX ), so I assumed that he had sent it to the wrong person. I replied to the email asking him if he had indeed sent it to the wrong person and asked for reassurance that the money was being automatically withdrawn from my account each month. He replied to the email stating that it had not. By now I had been dealing with this mess for over 4 months. I needed to speak with him personally and I could n't reach him by phone. I eventually became so busy that I forgot about the matter. A few months later, I was notified that my accounts had gone into default. They are now demanding full payment and are threatening me with legal action. I paid the smaller loan off completely and ca n't afford to pay the second XXXX off of about {$130000.00}. I asked to be put back on the original payment plan, and XXXX told me that I could. He sent me paperwork stating that over the course of 8 months, I would pay them about {$20000.00}. At the end of 8 months I would then pay off the entire amount of {$130000.00}. None of my {$20000.00} would be applied to principal. This is not what I was promised. I was promised that I could be put back on the original payment plan. Eagle National Bank is as much ( if not more ) to blame for these accounts going into default. There was also no notification of delinquency before the default. 
",,Consent provided,Web,2015-12-21,Closed with explanation,Yes,No,CR1711352,604
2015-12-21,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX XXXX, 2015, My personal checking account at Eagle National Bank was closed without any warning and good reason. this cause my financial difficulty and unknown damaged in the future. 
After calling EN several times and provide the information that they need, they still freeze my money and said take 7 days to resume my account. At this time I have no confidence to the Eagle National Bank and hope this is not some employee try to cheat. 
",Older American,Consent provided,Web,2015-12-21,Closed with explanation,Yes,No,CR1711976,4230
2015-12-21,Credit card,,Advertising and marketing,,"I opened a credit card with Eagle National Bank this summer that offered a {$100.00} bonus if you made {$500.00} in purchases within the first 90 days of opening. They are now saying that I do not qualify because the purchases were not made until after 90 days. The problem is that I did not receive and activate card until XXXX XXXX, 2015 and by XXXX XXXX, 2015 the {$500.00} requirement was met. However, they are saying the card was opened earlier ( ie they approved account in XXXX even though I did not receive and activate card until several weeks later ). I think this is a bogus promotion and the 90 days should n't start until the card is received and activated. I think it is unfair and deceptive as a consumer has no control over how long it takes to receive the card once it is approved. I think that Eagle National Bank owes me the {$100.00} bonus as I met the terms of the promotion in good faith. 
",,Consent provided,Web,2015-12-21,Closed with monetary relief,Yes,No,CR1711529,2870
2015-12-21,Credit card,,Other fee,,,,Consent not provided,Web,2015-12-21,Closed with monetary relief,Yes,No,CR1710019,1871
2015-12-21,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-12-22,Closed with non-monetary relief,Yes,No,CR1710952,3065
2015-12-20,Bank account or service,Checking account,"Account opening, closing, or management",,"I am not able to access my bank account. I received a letter from XXXX that says I owe {$1800.00}. I was a victim of check and bank fraud. I was away at school and a guy I knew said his brother was sending him money but he did n't have a bank account so he asked if the money could be wired to my account. I agreed because I did n't know the guy was scamming me. I never saw a check or signed a check. I just withdrew the money out once I saw that it had posted to my account. I thought that because it posted and showed available that it was ok to take out. Once I took the money out I turned it over to the guy and he gave me {$500.00}. I still did n't think anything of it. I thought I was helping someone out in need. I found out later that this happens to college students all the time and that I should have been smarter. I think this guy came after me on purpose because I lost my wallet with all my ID and other personal information in it. I believe he found my wallet. Please let me know how to clear this up? 
",,Consent provided,Web,2015-12-20,Closed with explanation,Yes,No,CR1709639,4311
2015-12-20,Bank account or service,Checking account,Using a debit or ATM card,,"I was scammed by a fake tech support company- '' XXXX ''. B of A said I had to provide proof that I was scammed because the scammer provided B of A with a bogus electronic contract with my name on it stating that I agreed to pay XXXX {$140.00} plus a foreign charge!!! B of A denied my claim and believed the scammer!! 

I talked to the claims department by phone and convinced them to reopen my case. A couple days later I provided proof in print that this company scams people. Mine happened to be in connection with XXXX. I researched the internet and found an article stating that XXXX support was a known scammer. I faxed the article to B of A, plus provided B of A the site address so they could confirm this. Then I got a letter from B of A saying my claim was once again denied because the evidence was n't submitted in the required time frame. I faxed it all in right away!!!! 

B of A said I should contact the scammer to see if I could get my money back! Seriously??????? None of this is making any sense to me. I am thinking I am slipping through the cracks of their system. 

I have been a preferred customer since the XX/XX/XXXX 's and they would rather lose me as a customer over $ XXXX. None of this makes sense. I will be going to XXXX XXXX. I did n't realize B of A had such a bad reputation. I thought they protected their client 's money. I was wrong! I am also checking into suing B of A. It is n't the amount of money, it is the PRINCIPLE! As long as these internet scammers get away with this, the more they will keep doing what they do. 
",,Consent provided,Web,2015-12-20,Closed with explanation,Yes,Yes,CR1709705,5574
2015-12-20,Credit card,,Delinquent account,,"In 2014 I reported to Eagle National Bank that I had lost my job and sources of income hence encounter financial hardship and could not meet my minimum payments and needed to enroll in their financial hardship program/card protection. I was told by the agent at the time that because I did not have a job i could not enroll in the hardship program and they would be reporting the negative information to the credit bureaus. I then told them that due to my circumstances it would be impossible for me to continue making payments without some sort of arrangement to no avail. Once I began working again I contacted Eagle National Bank again and informed them that I had found another job and was ready to begin making payments and that I wanted to set up a payment arrangement and enroll in their hardship program so that I could pay them and take care of the other bills I had fallen behind on. I was informed that I had the options for payments : 1. ) I could pay {$260.00} for 2 months. 2 ) I could make a payment of {$180.00} for 3 months. Or 3. ) I could make a payment of {$150.00} for 4 months. While the payments were steep I agreed to commit to the 4 month plan to get my life back on track. Then after a string of invasive questions the customer service agent informed me that not only was I not eligible to complete the agreement for the 4 month plan but that the hardship program was not an option for me either after I was initially informed that these options were not available due to my unemployment status. Thus if I did not have the options for a hardship program or particular payment arraignments when I was unemployed or when i became employed then that means the options were never available to me at all. At the beginning of my credit relationship with Eagle National Bank I was falsley led to believe that in the event of job loss and financial hardship that alternative payment options were available to me but under all circumstances this proved to be untrue. Hence I was coerced into a credit agreement with Eagle National Bank via misrepresentation of products and services. 
",,Consent provided,Web,2015-12-21,Closed with explanation,Yes,No,CR1709671,4570
2015-12-19,Bank account or service,Checking account,Deposits and withdrawals,,"After moving to Florida on XXXX/XXXX/XXXX for new employment with XXXX XXXX XXXX, I opened up a new checking and savings account with Eagle National Bank on XXXX/XXXX/XXXX to secure my future deposits. The initial deposit of {$3600.00} which was a combination of my salaried payout and my relocation signing bonus were deposited into my account. I from their made several miscellaneous purchases i.e. bills, presents for my wife and children, and etc. However, the point at why I am writing you all started on XXXX/XXXX/XXXX. I made a payment directly to XXXX on their online website for {$450.00} for a XXXX payment due date. Note : Yes, I at this time was behind in payments, yet the {$450.00} would most definitely start me off to paying the XXXX and XXXX payment sooner and on time in the month of XXXX. I am paid every two weeks and a bonus every last day of each month..so I personally would have paid the next XXXX payments on XXXX/XXXX/XXXX, on XXXX/XXXX/XXXX or XXXX/XXXX/XXXX. These dates would 've ensured my account current at any rate going into XXXX. ) I foolishly thought my bank 's Bill Pay Service was an autonomous and secure way of making sure I could stay abreast on my bills, so I resulted in scheduling through their Eagle National Bank Mobile Bank App a bill payment for {$410.00} ( the normally arranged payment for XXXX ) on XXXX/XXXX/XXXX. This was the only payment arrangement I pre-set and only set as a recurring payment for the XXXX of each month. Monday morning XXXX XXXX/XXXX/XXXX in a retail location I attempted to swipe my card for {$50.00} and was declined several times. I right then checked my account on my app and witnessed my account in the negative for the amount of {$1200.00} ; which is a total of {$450.00}, {$410.00}, & XXXX. This resulted in a immediate call to Eagle National Bank hours later that morning, while the XXXX {$410.00} payments were still processing I called to inform Eagle National Bank 's Bill Payment Department that these were done in error and not scheduled by me, and since they are pending, to stop payment on these ACH 's. I recall very clearly that they seconded that suggestion of stop payments and that they did in fact notice that was n't my original payment schedule and hence figured it was wrong due to the 4 days earlier payment of {$450.00}. To bring this to head ... it has been 3 1/2 weeks later and I have not been refunded because Eagle National Bank has totally disregarded me as individual who job is at jeopardy because they 've misused my relocation money, put me in default with my XXXX relationship because instead of returning the {$830.00} ( XXXX ) {$410.00} 's they 've returned and not paid the {$450.00} I submitted from the beginning, I have had my car insurance cancel from XXXX because I have not had the funds to cover, the over drafted account had cut my recent pay in half, ate up a {$120.00} refund, {$180.00} transfer from my outside account, and numerous fees and emotional distress. As a direct result, I am sending this message inside my car, of which I have been staying in if my family has not been able to assist buying me cheap hotel stays. Living in my car as a XXXX is not only warranted as improper, but inhumane due to being bamboozled by deceptive practices. I need resolution and compensation equally for this unprofessional company and their continuous mistakes and ill mannered attitude for not genuinely aiding their customer. It would behoove me not to mention that I have written the Office of the President at Eagle National Bank and since this elongated time have heard nothing. 
My name is XXXX XXXX XXXX I can be reached at ( XXXX ) XXXX ( XXXX ) XXXX XXXXXXXXXXXX 
",,Consent provided,Web,2015-12-19,Closed with monetary relief,Yes,No,CR1709187,2549
2015-12-19,Bank account or service,Checking account,Problems caused by my funds being low,,"Hello, I have received a mail dated back to XXXX/XXXX/2013 for a debt collection of the amount of {$170.00} from the Eagle National Bank. 

I was never aware or notified of this debt by the bank. I believe this to be an unfair practice as I have never been notified or warned that this unknown debt would be sent straight to the collection agency XXXX XXXX XXXX. 

Not once have the collectors contacted me about this debt I owe to the Eagle National Bank and now I receive this mail stating that I owe a certain amount without any reason as to why. If this were true and they communicated with me in an appropriate manner, I would have payed this off immediately without hesitating as this would affect my credit immensely. 
",,Consent provided,Web,2015-12-19,Closed with explanation,Yes,No,CR1708763,613
2015-12-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I have a small loan with Eagle National Bank. I have just moved, which they know, and in the confusion of the move and getting settled I missed XXXX payments. B of A, without any authorization, removed monies first from an old bank account ( {$130.00} ) that had not been active in 6 months and when that was rejected they, went to my new local bank account and charged that for {$250.00}. I have since closed these accounts and will going, forward only pay B of A in cash. I called your office and was advised that B of A 's actions were not legal. Hence I am filing this claim asking that B of A be stopped from doing actions like this in the future. To add insult to injury B of A they have charged me a {$27.00} "" check returned fee ''. They return of these fees is the only compensation I am looking for. 
Thank You 
",Older American,Consent provided,Web,2015-12-19,Closed with explanation,Yes,No,CR1708084,2214
2015-12-19,Bank account or service,Other bank product/service,Using a debit or ATM card,,"It appears to have started when i enrolled for a job at the XXXX USPS. I had them do a background check for me from a company called OPM.gov. On XXXX/XXXX/2015 I had my whole account from My XXXX/Visa debit card stolen from me in the amount of {$220.00}. The transfer was made from EN in sacramento. I called EN EDD/visa debit and told them i did not authorize this tranfer. they called it fraud and sent me a new card and said it would take 45 days to investigate. two weeks later they closed my clam and they did nothing wrong. They said they tranferred it to my bank account at The XXXX and there was no fault on their part and closed the claim. They told me to contact The bancorp.com. I tried calling them and they had no account under my name and asked for an account number. after calling EN numerous times i finally got them to tell me over the phone the account they sent it to, after waiting yet another week to say they will mail it to me becase they can not give it over the phone, and failed to do so. after getting this info i called the bancorp.om and they said i do have an account. ( I never opened it and have no idea how this happened ) well they refuse to give me my funds. After calling numerous times to them i had XXXX one lady said the money is there and they will transfer it into a different card i will need to acquire from XXXX. I have opened a card and waiting for them to transfer it. after a week i called back and the same guy who refused to help me said he was going to the call the XXXX and tell them they ca n't do that and he wont tranfer the money. I was told tby the lady that she tranferred the money to them on XX/XX/XXXX and it is pending. if by saturday i do not get it i will call them back again and get furious. After notifying the FTC and filed a fraud alert, it was OPM.gov that said they may have been exposed to a cyberattack. I have fraud monitoring but do not know if the person who opened this account also have been draining my social security as well. my fear is that whoever opened this account at The bancorp.com may have opened up more things as well. all i want is my funds back so i can close both my XXXX/visa debit card and the XXXX account as well. but i have both of them telling me its not their fault and go back and forth. i am getting exhausted and drained from all this. i want to file apolice report but i have only the visa statement to show for it and the XXXX have not produced or will send me a statement or account ID so i can see where the funds have gone, when it was opened, and what kind of activity has been going on. Please help me. 
",,Consent provided,Web,2015-12-23,Closed with explanation,Yes,Yes,CR1707572,3883
2015-12-19,Bank account or service,Checking account,Problems caused by my funds being low,,"On Friday, XXXX XXXX, I logged in to my Eagle National Bank Mobile Banking app to check my balance. A XXXX transaction had posted earlier in the day, leaving my account with a negative balance of - {$3.00}. I had {$4.00} transferred to the account to re-establish a positive balance. Later in the day, unbeknownst to me, another transaction posted ( perhaps a tip at a restaurant? But I really have no I idea ) leaving me with a negative balance of - {$2.00}. I was not notified that my account had overdrafted, and I did not discover this until XXXX on XXXX XXXX, too late to put {$2.00} in my account. I was provided with no notice of the overdraft, even though the Bank claims to provide courtesy balance alerts of their own initiative. So, I was charged a {$35.00} overdraft fee. I called customer service, where I was treated rudely and impersonally. I asked for a refund on the fee, which they did not provide, even though I acted in good faith to maintain a positive balance. It has been my experience that transactions with Eagle National Bank post after XXXX, and I am confused about the timing of this transaction, and upset that I was charged the fee, when I could have easily funded the account had I been notified of the situation. 
",,Consent provided,Web,2015-12-19,Closed with monetary relief,Yes,No,CR1708364,1924
2015-12-19,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX XXXX, 2015 I tried to deposit XXXX checks into Eagle National Bank 's ATM ID # XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The ATM made all kinds of crazy sounds, took my XXXX checks in the amount of XXXX, XXXX and XXXX totally XXXX. ATM gave a message of something like ERROW and kept my XXXX checks. The ATM did spit out a receipt stating "" We apologize for the inconvience. We are unable to process your request and can not return your items. I have the receipt if needed? 

Eagle National Bank 's claim number is XXXX, I spoke with XXXX in ATM Fraud Dept. 

Today I call Eagle National Bankn 's Customer Service number on the back of my Debt Card twice. After going through all the phone prompts, a message came on saying "" due to unforeseen circumstances we ca n't take your call ''. Then the phone call is disconnected. 

I want the XXXX checks found in this ATM and my account needs to be credited XXXX. 
",,Consent provided,Web,2015-12-22,Closed with monetary relief,Yes,No,CR1708733,8692
2015-12-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank , N.A . lost 14 years of trust records in which I am a beneficairy and never informed me that it lost the records. Eagle National Bank can not account for large sums of money missing. Eagle National Bank refuses to compensate me for the lost funds. Eagle National Bank has not reported to lost records and funds as it is required to do under the patriot act. 
",Older American,Consent provided,Web,2015-12-21,Closed with non-monetary relief,Yes,No,CR1709441,6317
2015-12-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I was at Eagle National Bank in NY, the XXXX on XXXX XXXX. & XXXX XXXX. last Monday. 
The investment consultant XXXX XXXX helped me open a new travel credit card because I 'm their preferred customer. After that she asked me if I do investment & I said I have an account with XXXX XXXX. She explain to me that if I switch my account over to XXXX XXXX, I will get {$300.00} & XXXX free trades. She tell me to fill the XXXX XXXX application online which I did & drop by Friday to see her which I did. Drop by Friday, she tells me a different story saying I will get {$100.00} & XXXX free trades. Doing business I believe in trust, which she lied to me, so I 'm unhappy with her service wasting my precious time. 
",,Consent provided,Web,2015-12-18,Closed with explanation,Yes,No,CR1701924,1570
2015-12-18,Bank account or service,Checking account,Deposits and withdrawals,,"I wrote a check drawn on my Eagle National Bank checking account ( XXXX Vermont branch ) on XXXX XXXX, XXXX in the amount of {$25.00} to the XXXX XXXX XXXX. The check was altered to {$250.00} by an unknown third person and presented for payment eight months later in XXXX, XXXX. The forged check was honored by Eagle National Bank on XXXX XXXX, XXXX, as reflected on my monthly statement of account. My wife, XXXX XXXX, a co-owner of the account, filled out an Affidavit of Forgery on XXXX XXXX, XXXX and provided it to Eagle National Bank Customer Service Representative XXXX XXXX. XXXX XXXX indicated that the matter would be forwarded to Eagle National Bank Global Security and Investigations-US. After I heard nothing for 30 days, I called Eagle National Bank Global and spoke with call center supervisor XXXX XXXX. He indicated that the investigation will take 30-90 days, and he will monitor the situation weekly for me from his location in XXXX. I heard nothing, and called again on XXXX XXXX, XXXX, and spoke to XXXX at Ext. XXXX. She refused to give me her last name, but told me XXXX XXXX would call the following day. He did not call. On XXXX XXXX, XXXX, I called again, and spoke with XXXX XXXX. He indicated my case was # XXXX and was assigned to XXXX XXXX at XXXX, and that she would call me. I spoke with with XXXX XXXX. She repeated what I previously had been told several times. My check was altered and presented to XXXX XXXX, which honored it, and presented it to Eagle National Bank, which also honored it with my funds, even though it was obviously altered and presented for payment 8 months after it was written. I told XXXX XXXX I understood Eagle National Bank had a subrogation claim against XXXX XXXX, but I did not want to wait any longer to be reimbursed by my Bank while it pursued XXXX XXXX. She promised that {$250.00} would be credited to my account. This conversation occurred several weeks ago. A XXXX TB Bank teller told me yesterday that no credit had been posted to my account. The Eagle National Bank voicemail advertises the it provides "" Legendary Service. '' I have been a customer of Eagle National Bank, and its predecessor, XXXX XXXX, for more than 40 years. I feel I have been treated with indifference and unprofessionally by my Bank. I want my account credited with the {$250.00} that was forged against my account and honored by my Bank. 
",Older American,Consent provided,Web,2015-12-18,Closed with monetary relief,Yes,No,CR1708402,1173
2015-12-18,Credit card,,Credit determination,,"I am a victim of identity theft. I have been disputing a Target account that does not belong to me.Account # XXXX. This account is in dispute with all XXXX credit bureaus as well as Target, and several government agencies. 

Target then, knowing the account was in dispute, CHECKED MY CREDIT. They had no authorization to do this. 
",,Consent provided,Web,2015-12-18,Closed with non-monetary relief,Yes,Yes,CR1705766,2706
2015-12-18,Credit card,,Billing statement,,,,Consent not provided,Web,2015-12-22,Closed with non-monetary relief,Yes,No,CR1707579,2371
2015-12-18,Credit card,,Transaction issue,,,,Consent not provided,Web,2015-12-18,Closed with explanation,Yes,No,CR1706280,4706
2015-12-18,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-12-18,Closed with explanation,Yes,No,CR1708944,9933
2015-12-18,Bank account or service,Checking account,Deposits and withdrawals,,,,Other,Web,2015-12-18,Closed with explanation,Yes,Yes,CR1707982,2498
2015-12-17,Bank account or service,Checking account,Using a debit or ATM card,,"I received XXXX charges to my Eagle National Bank business account from XXXX XXXX, which were not made by myself. I contacted XXXX and they said those charges were not on my XXXX account so I would need to contact Eagle National Bank. I called and filed a claim. I called a few days later to check on it only to be told to claim was never filed. I filed a claim again and called a few days later and the representative said my money would be returned within 10 days. I called in 10 days and they said they had rejected my claim because they felt I "" did not have a sense of urgency. '' I made them reopen the claim. I called again in a few days only to be told they closed my claim again, and that there was no reason for the rejection noted on my account. I received a bank statement today telling me I owed {$190.00} because the XXXX XXXX charges caused me to receive XXXX overdraft charges. Now, I am being asked to not only pay them for purchases that were not mine, but to also pay a significant penalty for these charges. 
",,Consent provided,Web,2015-12-17,Closed with monetary relief,Yes,No,CR1706729,5201
2015-12-17,Bank account or service,Checking account,"Account opening, closing, or management",,"I went into Eagle National Bank XXXX branch located @ XXXX XXXX XXXX, ma XXXX. I was making a deposit for a business that I am an employee of. The teller, XXXX XXXX, asked for my license in order to complete the cash deposit. I complied with his request and handed him my license. I asked for a copy of the banks privacy policy regarding personal information because he was entering into his computer all of the information that was on my drivers license. XXXX XXXX refused to produce this document. I called Eagle National Bank customer service ( XXXX ) to ask for a copy of their personal information privacy policy and they refused to supply that as well. The phone operator told me that she could put in a request for this information to be sent to the account holder but that since I did not have an account I could not have access to this information. I strongly believe that the Federal Privacy Act is being violated in this instance. I have the right to limit the sharing of some of this information and I am not being allowed to do this. 
",,Consent provided,Web,2015-12-17,Closed with explanation,Yes,Yes,CR1707055,1305
2015-12-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I wrote an incorrect check to an assisted care facility XX/XX/XXXX to cover charges for my mother 's care. The figure written was {$2000.00}, however, I mistakenly wrote XXXX Dollars and XXXX cents. The check was presented to Eagle National Bank, who without questions accepted it for the written face value. 
",,Consent provided,Web,2015-12-17,Closed with explanation,Yes,No,CR1705968,2018
2015-12-17,Credit card,,APR or interest rate,,"Back in XXXX XXXX I was able to get a no-rewards credit card for a very low interest rate ( Prime + 2.99 % ). Today, I can find no similiar card that I can apply for. The lowest rate I see now is Prime + 8.00 %. Yet, in an artcle on XXXX/XXXX/XXXX entitled "" CFPB Warns of Flaws in Credit Card Market '' CFPB Director XXXX XXXX is reported by the XXXX to have said in prepared remarks before a XXXX conference : "" At the same time, we found that credit is now cheaper and more available and the credit card business has remained an attractive, profitable business for banks, with default rates that are now at historic lows, '' XXXX said. "" In short, more effective regulation has created a safer, more affordable credit card market with more opportunities available to consumers. Responsible lenders are now able to do business on fair and transparent terms. That is a remarkable achievement. '' XXXX said this concerning the XXXX CARD act and the effects on the card market derived from it. Well, if he is right that the CFPB "" found that credit is now cheaper and more available '' then why ca n't I find a card with similiar pricing as the one I ( luckily ) found before the CARD act had been implimented? 

I would like Director XXXX XXXX or the CFBP in general to issue an apology for saying that. It is blatantly untrue, and would like to see a description of the "" findings '' that support lower credit card prices. ( Please feel free to forward these "" findings '' to my email ). It is both hypocritical and unethical for the CFPB to claim to find instances of deceipt among financial companies yet make such fallacious and demonstratably false statements as the one given in the XXXX XXXX. Card prices have INCREASED since the implimentation of the CARD act, not decreased, and any insinuation to the contrary is deceptive and unfair. 
",,Consent provided,Web,2015-12-17,Closed with explanation,Yes,No,CR1702104,522
2015-12-17,Credit card,,Late fee,,"My Eagle National Bank card set up for Automatic payments on the XXXX of every month of {$100.00}. From XXXX - XXXX of 2015, I have been charged Late Fee. I contacted their customer service and they indicated I was a day late every month. I tried to explain that would make me 29 days early every month. 
The customer service rep told me "" NO '', I was late every month and being charge a late fee. These late fees of {$25.00} - {$37.00} for 6 months should be refunded to me. 
",,Consent provided,Web,2015-12-17,Closed with monetary relief,Yes,No,CR1706555,3149
2015-12-17,Bank account or service,Checking account,"Account opening, closing, or management",,"I went into Eagle National Bank to close an account on XXXX. They took my bank card and confirmed that the account was closed. Over the course of the month of XXXX, they proceeded to keep the account open, and allowed multiple charges to go against it. When I came in to see why charges were being allowed against a XXXX balance closed account, they told me that they had closed the account incorrectly. The manager was not in, so the amount that I was refunded out of the over {$400.00} in overdraft fees was {$100.00}. I was told a manager would call me about the issue and help me get fully refunded. It is now XXXX and they have been allowing charges to continue to go through and are still charging me overdraft fees for an account that should n't exist anymore. I 've tried multiple times to get in touch with a manager and I 've been told they are not there or are busy and will call me back. I 've been attempting to get resolution on this for weeks now, and still do n't have closure on the issue. This bank is irresponsible and they are thieves. When the manager finally did call me back, he became very accusatory and nearly insinuated that I was trying to use the bank account even though I had asked that it be closed. The representative that helped me close the account lied and told his manager that I was solely asking him to close the debit card - which makes no sense whatsoever. They are trying to now charge me money on an account that should not exist. I 'm not getting any help with resolution, and the bank, which I 've had money in since I was a teenager, is now calling me a thief. I am still waiting for resolution on this after spending countless time and effort trying to get everything taken care of. 
",,Consent provided,Web,2015-12-17,Closed with monetary relief,Yes,No,CR1706675,4301
2015-12-17,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank Routing # XXXX Acct # XXXX On XXXX/XXXX/2015, I withdrew XXXX debit tranactions through my above mention checking account. 
I first with drew {$5.00}, and then {$20.00} and remained with a postive balance. After the XXXX prior withdrawals I withdrew {$120.00} putting the account in overdraft for about {$88.00}. If Eagle National Bank did correct accounting my balance would have been - {$88.00} plus - {$35.00} according to the time stamp of the XXXX XXXX tranactions. Speaking to the customer service manager who refused to give her fullo name Employee # XXXX informed me that when balancing they go by the largest amount first and thats why I was charged withb overdraft XXXX times. I informed XXXX that this is illegal and charging thousands of customers everyday that XXXX bank is being "" UNJUSTLY ENRICHED and this is ENCHEATMENT ''. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX ( h ) XXXX XXXXXXXXXXXX 
",Older American,Consent provided,Web,2015-12-17,Closed with monetary relief,Yes,No,CR1707312,3327
2015-12-17,Credit card,,Other fee,,"I am holding a REDCard credit card XXXX Target ) issued by Eagle National Bank. I had an automatically payment associated with my XXXX bank account. Since I moved XXXX on XXXX, I am gradually switching to use my XXXX bank account. I am plan everything carefully ahead of time. 

On XXXX XXXX, I added my XXXX bank account as the default account for automatic payment, but for some reason, their online system did not allow me to delete the old account. I think it should be fine, since it clearly showed that my new bank account is the default, which, should be used as the first priority of course. I am dealing with XXXX every day, I know the XXXXprogram should always use the default XXXX out of so many choices. 

However, shortly after XXXX 2015, I found out they actually still billed it to my old bank account ( XXXX bank XXXX, obviously they had been rejected since I had already stopped all payments from with that bank account and were going to close it soon. 

Apparently their computer system had some bugs and wo n't switch to the default account. But it is unfair to charge my XXXX $ return payment fee plus XXXX $ interest~! What make it even ridiculous is their inconsistent service. I called them on XXXX XXXX, XXXX a lady told me the return payment fee is cleared after she had a long talk with her supervisor and asked me to made the payment by phone. When I called the next day XXXX XXXX XXXX, 2015 ), none of the agents in Eagle National Bank said they could see the reversed fees and they are supposed to do reverse any such fees? I talked with XXXX of the supervisors, XXXX, who said they wo n't disclose their last name or their employ ID to people. She said she is going to find out who talked to me the previous day, but wo n't give me my money back although she said it is NOT my fault! 
Anyway, I ca n't believe Eagle National Bank or Target set up such a silly system to fool people. Even if their system did not work right, they still want to charge their customers. 

I want to ask my money back. Beside I want their apology for their stupid and irresponsible system and services. 
",,Consent provided,Web,2015-12-17,Closed with non-monetary relief,Yes,Yes,CR1706538,3651
2015-12-17,Credit card,,Transaction issue,,"I used my Target M/C red card which is supposed to get me a 5 % discount on target purchases. I made a {$23.00} purchase on XX/XX/2015 and they only gave me a {$0.00} credit and said it is 5 %. I also noticed that they are not collecting the correct amount of tax which is 6 % in Florida as they only taxed {$18.00} of my cat food purchase of {$23.00}. I suspect this has happened on all of my target red card purchases for the past 5- years. 
",,Consent provided,Web,2015-12-17,Closed with non-monetary relief,Yes,No,CR1707170,2300
2015-12-17,Credit card,,Other fee,,"To Whom It May Concern, I, XXXX XXXX, recently reached out to customer service at Target Redcard regarding the above mentioned credit account. A brief summary of the past year for me includes a XXXX where I had XXXX and a XXXX put in my XXXX, as well as XXXX XXXX on my XXXX with the most recent XXXX on XX/XX/XXXX. I am still recovering from the last XXXX, all of which I was injured on my job as a XXXX. The reason I disclosed this information is not for sympathy, but so that you would know why this issue was able to persist and continue for as long as it did, as well as in hopes that you will understand my state of mind and why I feel the way I do. 

When you give a company your personal information and get a credit line extended you instill a sense of trust with that company. RedCard has not only took advantage of that trust but as a person they have made me feel worthless and betrayed. My fianc, XXXX XXXX, and I have a {$500.00} credit line. This year we have made numerous payments throughout the year before the due date and sometimes multiple payments before the due date. The attached documents show that a total of {$520.00} has been paid towards the balance of the card, which only has a {$500.00} limit?! That balance includes {$190.00} for the above mentioned and below mentioned practices of deception and theft. Come to find out RedCard did not count this as a payment towards the bill because it was paid a couple days early. When you make a payment online, depending on your financial institution and the company you are paying sometimes it can take a few days to actually post, or come out of your account. So instead of saying ok the bill was paid RedCard said that was a payment for the previous billing cycle, thus saying no payment was made for that month/billing cycle. In one month I paid well over {$100.00}, again because I paid it a few days early. But RedCard did not count it as a payment for my bill that was due and charged late fees and other penalties. I spoke with customer service who added insult to injury by stating that they will waive late fees two ( 2 ) times a year but they would not do it for us, or could not because the "" system '' would n't allow it. I was told a case was opened and the situation was "" elevated. '' The rep stated that a supervisor would be in contact with me shortly and the matter would be resolved. Again, this did not happen. Instead they just sent me another bill, with more penalties and fees after the rep told me and agreed to wait to make a payment until I talked to a supervisor and a resolution was found to the above issue. I have been charges in excess of {$190.00} in fees alone for making my payments, making extra payments, paying more than what was due/minimum payment, and for trying to be a responsible credit card user. RedCard has betrayed my trust, lied to me, and basically stolen my money by charging hidden fees for trying to do the right thing. On top of that, they refuse to respond to my inquires or follow up with me like they said they would. Attached are copies of the statement, which shows all my payments and the "" fees '' total that I have been charged, and continue to be charged. 

As I stated to the representative none of my other credit cards operate or function in this manner. Such as XXXX XXXX. If my payment is made the day before, 24 to 48 hours before the "" due by date '' or clears the day before the due date, they do n't try to claim it was applied to the previous billing cycle. Thus RedCard expects you to pay and the payment to clear by the "" due by date, '' if it clears before it is counted towards the previous billing cycle and if it clears the day after the "" due by date '' you get charged late fees and such. 
",,Consent provided,Web,2015-12-17,Closed with non-monetary relief,Yes,Yes,CR1706884,3628
2015-12-17,Credit card,,Other,,,,Consent not provided,Web,2015-12-17,Closed with non-monetary relief,Yes,No,CR1701529,653
2015-12-17,Credit card,,APR or interest rate,,,,Consent not provided,Web,2015-12-17,Closed with explanation,Yes,No,CR1705396,76
2015-12-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2016-01-05,Closed with explanation,Yes,No,CR1706774,9670
2015-12-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-12-17,Closed with explanation,Yes,No,CR1706136,3315
2015-12-17,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-12-17,Closed with explanation,Yes,No,CR1706272,581
2015-12-16,Bank account or service,Checking account,Problems caused by my funds being low,,"I open an account for my XXXX Daughter wicht I specif made clear that the account has Not Ovedraf and No over drawn privileges. It is on the account contract., but Eagle National Bank have taken almost {$200.00} on overdraft fees 
",,Consent provided,Web,2015-12-16,Closed with monetary relief,Yes,No,CR1703727,3823
2015-12-16,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I received an email ( which I thought came from my business associate, "" whom I 've been communicating with for several months pertaining to a business deal ). 
The email instructed me to make the payment for the business deal in an XXXX XXXX XXXX Arizona account # ... ... ... ... ... ... .. 
I purchase from my bank through my business account ( XXXX ) cashiers checks totaling {$30000.00}. 
XXXX XXXX ) Purchase from "" my Bank '' on XXXX XXXX for {$20000.00} * Deposited in fraud account on Friday XXXX XXXX ( XXXX ) Purchase from "" my Bank '' on XXXX XXXX for {$2000.00} * Deposited in fraud account on Friday XXXX XXXX XXXX XXXX ) Purchase from "" my Bank '' on Monday XXXX XXXX for {$8000.00} *Deposited in fraud account on XXXX XXXX On Thursday night XXXX XXXX ; I receive a text message via XXXX from my business associate "" ... ... XXXX '' asking if I was still interested in doing the business, I said I was and had made the payment as instructed from the email that I received from him. He told me that he did not send me any email with banking instructions. I then forwarded the email to him via XXXX. 
He called me immediately and recommended that I inform my bank and the police dept. because what i received was a fraudulent email and did not come from his email address. 
We compared his email address with the email address which I received and saw that there was a difference in a letter added. 
First thing Friday morning XXXX XXXX ; I called the Bank customer service to report the fraud and told them that I was in front of their bank waiting for it to open. I was instructed to see a bank manager inside and explain to them what had happened. 
Once inside I met with XXXX XXXX ... ... ... ... XXXX Relationship Manager ) phone # ... ... ... ... 
I explained and showed him the copies of the cashiers checks and deposit slips ( which was deposited at that same branch ) he said he had to call the corporate claims department and find out what can be done ; he check the account which the funds was deposited into and told me that the funds was still in the account but he would have to get authorization to put a hold on the funds. After he spoke with XXXX XXXX XXXX XXXX different persons on the phone he said to me that he was given authorization to put a hold of the funds in the account and that the bank would be in touch with me. I ask him if I can get the confirmation in writing and he said no, all he can do is give me his business card with a note saying he had this discussion with me ; he gave me his card and dated and sign that he had the discussion with me. He then recommended that I go to my Bank, where I had purchase the cashiers checks from and ask them to put a "" STOP '' on them. 
I immediately went to my Bank and met with XXXX XXXX ... ... ... ... .... ( Relationship Banker -NMLS ID : ... .... ). He informed me that there was nothing that my bank can do because the funds has already been negotiated and send to the other Bank. He recommended that I file a police report. 
I went immediately to the Police Department and met with Officer ... ... ... ... ... ..phone # ... ... ... ... .... she had me provide her with copies of all the emails and cashiers checks and the name and contact information of my business associate, she then filed the report and gave me this report # ... ... .... for all reference. 
On Monday XXXX XXXX Detective ... ... ... ..., called me and told me to go to my Bank and ask them to contact the Bank where i deposited the cashiers checks, and ask my bank to give the other bank a "" Hold Harmless Release ''. I went into the bank and was n't able to get any help so I then called the bank business corporate fraud dept. with my attorney on the line XXXX XXXX ... ... ... we spoke with a supervisor by the name of ... ... .... who gave us a claim # ... ... ... ... but said their Bank could not provide the other bank with a "" Hold Harmless Release ''. Please HELP me to resolve this matter. 
",,Consent provided,Web,2015-12-16,Closed with explanation,Yes,No,CR1705240,4459
2015-12-16,Bank account or service,Checking account,"Account opening, closing, or management",,"My mother and I open a bank account at Eagle National Bank in our name only on XXXX/XXXX/2015. In XXXX XXXX, Texas. I tried to use the card and the transaction was not approved. So I returned to the bank to check what the problem was. I was told by the bank representative that the accout was closed on XXXX/XXXX/2015 at a Eagle National Bank in XXXX, Texas. So the representative call the location and they stated that it was closed by my Mother in person. My sister inlaw lives in XXXX and she worked at that location. The representative that was helping me told the rep at the other location that she helped us open the account and that my mother was here in XXXX XXXX, and than representive went to her manager and they did nothing about it. I also explain that my sister inlaw does have my mothers drivers license because my mother did live with her at one time. 
On XXXX XXXX, 2015 I took my mother out of the XXXX and brought her to my home in XXXX XXXX. Since Eagle National Bank here in XXXX XXXX would not do anything about it. I did filed a fraud complaint with Eagle National Bankn. The complaint was taken down incorrectly. So I filed a second one and they still stated that my mother went in to the bank and closed the account. Eagle National Bank refuses to view the video so it can be proven that my mother was not present when the account was closed. I strongly believe that my sister lnlaw new the person that help her close the account, because she did work there, that would be the only way the account could be closed. As I said before my mother was not there. I am at witts end with all of the actions of Eagle National Bank. The amount taken out of the account was {$1000.00}. 
Adult Protective Service has already placed Identity theft notice on my mother 's social scurity number. Because my sister In-law has taken monies out of the account that my mother had with Eagle National Bank for years that was the reason we openned up another account. 
Please Help 
",Older American,Consent provided,Web,2015-12-17,Closed with explanation,Yes,No,CR1707192,4328
2015-12-16,Bank account or service,Savings account,"Account opening, closing, or management",,"On XX/XX/XXXX, my husband withdrew our entire balance of {$350.00} in person at the XXXX, Ma. Eagle National Bank and instructed the teller to close the account. The following month we noticed a {$5.00} service fee and contacted Eagle National Bank via chat online. The person said they would close the account and reverse the fee. The following day it appears they reinstated another fee followed by XXXX in XX/XX/XXXX and XX/XX/XXXX. My conversation this evening with a Eagle National Bank rep over the phone left me with no results to close this account and stop the fees. At that point I did inform them that I was filing this report and intent to visit the branch and have no intention of paying fees on a XXXX balance account that they were instructed in person at the time of withdrawal to close. 
",,Consent provided,Web,2015-12-16,Closed with monetary relief,Yes,No,CR1706413,625
2015-12-16,Bank account or service,Checking account,Problems caused by my funds being low,,"Please listen to this response to my sister XXXX XXXX with XXXX following up with Eagle National Bank helping with me ( brother ), requests. I complain with Eagle National Bank 's overdraft records caused of scam last XXXX 2015, no recovered from scam that I disappointed. Eagle National Bank charged me overdraft {$35.00} on this checking account. I was unfitted Oregon resident notification to XXXX. Senators continually, request. I do not like XXXX XXXX resident XXXX XXXX, too much ) report to XXXX. Did Eagle National Bank forwarded with my sad icons on checking slip forward to XXXX. XXXX and XXXX in XXXX DC as show this sad icons to the male justice at requests. I do not want living in XXXX, at serious periods. 
I was not happy with losing money from one-time scam in last XXXX or XXXX 2015 due of my forgotten cause of XXXX under unfitted XXXX residents notification to XXXX XXXX XXXX requests included of XXXX addresses. 
",,Consent provided,Web,2015-12-16,Closed with explanation,Yes,No,CR1699689,1940
2015-12-16,Bank account or service,Checking account,Problems caused by my funds being low,,"Hello. i would like to report Eagle National Bank for excessive overdraft fees, I had made one transaction with XXXX on XX/XX/XXXX which came out as XXXX transactions instead of XXXX and another transaction was made with XXXX on XX/XX/XXXXEN took out the XXXX transaction first then took out the XXXX transactionsXXXX .When I made XXXX transaction there was a positive amount in my checking. The XXXX transaction put my account into a negative balance. So because they didnt post transactions chronologically they  charged me XXXX bounced check charges instead of one. Eagle National Bank makes a habit of doing this time and time again. Not the first time they did this. Guess its their way of getting more money out of me. So I got charged XXXX bounced check charges XXXX instead of one. They now really threw me into a negative balance with XXXX taken out instead of XXXX and now everything is bouncing . So the deposit I made to cover what should of been one bounce check charge is not enough to cover my account. This is bad banking practice and a way to steal money from their customers. I am sure they do this to a lot of customers and getting rich doing this.",,Consent provided,Web,2015-12-16,Closed with monetary relief,Yes,No,CR1702236,1156
2015-12-16,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank stacks transactions to their own advantage. Especially when an ACH withdrawal comes in the same day as a direct deposit - they will always charge a {$35.00} fee to pay whatever came in to be paid - even though the funds were available the same day the bill came in to be paid. When XXXX used my acct as a backup source for funding - it overdrew my account - a {$7.00} XXXX charge incurred a {$35.00} fee. Then the {$140.00} in fees from Eagle National Bank cause my acct to be overdrawn which overdrew ANOTHER couple of small transactions ( like {$5.00} and {$16.00} all under {$20.00} transactions which incur a {$35.00} fee each ) - I literally paid more in bank fees in XXXX already than for any of my own purchases. There should be some kind of regulation that an NSF fee can not exceed the amount of the transaction. 
",,Consent provided,Web,2015-12-16,Closed with non-monetary relief,Yes,No,CR1704798,2175
2015-12-16,Credit card,,Other,,,,Consent not provided,Web,2015-12-16,Closed with non-monetary relief,Yes,No,CR1706936,5323
2015-12-16,Bank account or service,Savings account,"Account opening, closing, or management",,,,Other,Web,2015-12-17,Closed with monetary relief,Yes,No,CR1701847,2730
2015-12-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-12-16,Closed with explanation,Yes,No,CR1700648,1833
2015-12-15,Bank account or service,Checking account,Using a debit or ATM card,,"I have a business account with Eagle National Bank and as I was reviewing my account on line I realized that some company debited my account 3 times for a total of {$590.00} from my account with out my authorization. I called B o A and file a claim, and received a temp. credit for {$590.00}. Now B of A is sending me a letter telling me that they have made the decision of charging me back the {$590.00} because the charges are valid. I called two weeks ago and requested to speak with some one regarding this issue. I told them that I never authorized those charges. Today I received a second letter telling me that again they are charging back the {$590.00}. I requested again to speak with some one and I was told that some one may call me back but that it was not for sure. 
",,Consent provided,Web,2015-12-15,Closed with monetary relief,Yes,No,CR1697089,2755
2015-12-15,Bank account or service,Checking account,Problems caused by my funds being low,,"I open a class account for my XXXX son XXXX XXXX and myself XXXX XXXX, when I open the account I made clear that this account have Not overdraft privilege., but Eagle National Bank has charge more than {$130.00} in overdraft fees. I CALL THE BANK and they told me tha they wo n't take those fees. 
Please investigate 
",,Consent provided,Web,2015-12-15,Closed with monetary relief,Yes,No,CR1697053,4458
2015-12-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My husband and I paid off our personal line of credit with B 0f A in XX/XX/XXXX, and were told that a formal release, giving us clear title to our property would be issued in 30-90 days. The pay-off date was XX/XX/2015. Today I called regarding the document and was first told that I had to contact my County for that document. When I said I had already queried them, I was then told the paperwork had not bee processed until XX/XX/2015 and it would be another 30-90 days until B 0f A sent the paperwork to my County. When I pointed out that it had already been 30 days since their processing, I was told it could be up to another 90 days before we received the release and clear title to our property. This is not acceptable business practice, I know that B 0f A would not wait 120 days for any documents or money that was due to them. 
",Older American,Consent provided,Web,2015-12-15,Closed with non-monetary relief,Yes,No,CR1697603,614
2015-12-15,Credit card,,APR or interest rate,,"I signed up for a no annual fee credit card through Eagle National Bank with a 0.00 % introductory APR for 12 months. However, I am being charged a {$1.00} "" Minimum Interest Charge '' on my statement every month. I called customer service the first time I noticed it, and they promised to remove the charge, but this has continued to happen every month since. "" Minimum Interest Charge '' is described in their credit card agreement as, "" If the total of the interest charges for all balances is less than {$1.00}, then a Minimum Interest Charge of {$1.00} will be assessed on the account. This fee is in lieu of any interest charge. '' I have accrued {$0.00} interest thus far due to my promotional APR rate of 0.00 %, and {$0.00} interest should not fall under this definition of Minimum Interest Charge. 
",,Consent provided,Web,2015-12-15,Closed with monetary relief,Yes,No,CR1697257,13480
2015-12-15,Credit card,,Billing disputes,,"on sunday XXXX/XXXX/15 Eagle National Bank show i owed a minimum payment i payed twice the minimum they showed they recieved it XXXX/XXXX/15. they now show i owe a minimum payment i maintain they should not show payment due till is realey due i think that could make people late if they think their payment is paid 
",,Consent provided,Web,2015-12-15,Closed with explanation,Yes,No,CR1697023,9366
2015-12-15,Bank account or service,Checking account,Problems caused by my funds being low,,"As a customer of Eagle National Bank, my checking account was debited by Eagle National Bank for {$2500.00} in overdraft fees from XXXX XXXX, 2015 - XXXX XXXX, 2015. Please see attachment. 
I believe my bank has inappropriately applied overdraft fees on my account in excessive amounts. Can you please investigate this matter and any prior period? 
Thank you. 
",,Consent provided,Web,2015-12-15,Closed with non-monetary relief,Yes,No,CR1697101,1593
2015-12-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I WAITED LITERALLY XXXX MINUTES ON HOLD TO SPEAK TO SOMEONE ABOUT MY ACCOUNT TONIGHT XX/XX/2015 AND LITERALLY WHEN THE WOMAN CAME ON THE PHONE, I POLITELY COMPLAINED THAT 16 MINUTES WAS FAR TOO LONG TO WAIT FOR ANYONE, AND SHE RUDELY AND SIMPLY HUNG UP ON ME, CAUSING ME TO HAVE TO NOW CALL IN AGAIN  AND RE-VERIFY MY ACCOUNT, AND NOW I AM ON HOLD AGAIN. I ANTICIPATE ANOTHER WAIT HOLD FOR XXXX MINUTES FOR A VERY SIMPLE QUESTION COSTING ME MORE THAN XXXX MINUTES OF MY PRECIOUS TIME AND DAY. I BILL XXXX, WILL Eagle National Bank OR THIS WOMAN COMPENSATE ME FOR THIS LOST UNNECESSARY TIME SPENT CHASING Eagle National Bank DUE TO ITS RUDE CUSTOMER SERVICE REPS THAT NEED TO BE EITHER RE-TRAINED/TERMINATED FROM EMPLOYMENT? I AM NOT A DOG AND I DON'T NEED TO BE XXXX TRAINED OR BEHAVIOR-MODIFIED BY THESE UNFRIENDLY AND RUDE CUSTOMER SERVICE REPS.",,Consent provided,Web,2015-12-15,Closed with monetary relief,Yes,No,CR1697046,1697
2015-12-15,Bank account or service,Checking account,Problems caused by my funds being low,,"On behalf of my son, a XXXX, his student checking account was debited by Eagle National Bank for {$440.00} in overdraft fees from XXXX XXXX, 2015 - XXXX XXXX, 2015. Please see attachment. 
I believe Eagle National Bank has inappropriately applied overdraft fees on his account in excessive amounts. Can you please investigate this matter? 
Thank you. 
",,Consent provided,Web,2015-12-15,Closed with non-monetary relief,Yes,No,CR1697102,3881
2015-12-15,Credit card,,Other,,,,Consent not provided,Web,2015-12-15,Closed with non-monetary relief,Yes,Yes,CR1697022,865
2015-12-15,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2015-12-15,Closed with non-monetary relief,Yes,No,CR1697451,3863
2015-12-15,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-12-15,Closed with explanation,Yes,No,CR1697572,2164
2015-12-15,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-12-15,Closed with explanation,Yes,No,CR1696948,2434
2015-12-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Hello my mother opened up a Safety Deposit Box. She opened up an account with my money, she put my money in Stocks and CD 's. The Bank at the time was XXXX Bank that turned into Eagle National Bank. My mother forgot about the funds that is in the box. She never received information about where the Safety Box moved to. Today we 're trying to locate the Safety Deposit Box. We contacted Eagle National Bank and they do not have the box and her name is not in unclaimed funds. The Box is in her name but the stocks and cd 's are in my name. 
",,Consent provided,Web,2015-12-14,Closed with explanation,Yes,No,CR1695589,4203
2015-12-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have been trying to get a loan mod for a home equity line of credit that I got before the XX/XX/XXXX crash ... Eagle National Bank had sent me a letter stating they can modify it through a Government Program HEMP since I can not afford my house payment to go from XXXX to XXXX a month. For OVER a YEAR now they have been playing games and have done little to nothing even after I went to the Federal Government and they told me to just go on line and file the necessary paperwork and submit it to Eagle National Bank .... They still continue to play games even after I was told by the Federal Government that if I do n't qualify for the program NO ONE DOES! I am now at the end of my rope and the bank is raising the mortgage on XX/XX/XXXX which is after the Federal programs expire from what I 've been told ... I suppose me and my family will have no choice but to stay and fight when they come to evict us ... A sad epitaph for a former Elected Official and person who has ALWAYS PAID HIS MORTGAGE on time to a bank that was BAILED OUT with XXXX of Our Tax Dollars! 
",,Consent provided,Web,2015-12-14,Closed with non-monetary relief,Yes,No,CR1695690,7011
2015-12-14,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,"It has been over a month since I filed a complaint against Eagle National Bank with the Consumer Financial Protection Bureau ( CFPB ). Despite promises to the contrary, in the intervening weeks absolutely nothing has happened with my concerns, and sad to say, it does not look like anything will happen with my concerns without Eagle National Bank being compelled to act. 

Within a day or two after I filed my XXXX XXXX CFPB complaint regarding Eagle National Bank I received a telephone call from XXXX XXXX XXXX of Eagle National Bank. I was told that she was calling on behalf of Eagle National Bank 's president as a result of my complaint to the CFPB. 

We spoke on XXXX XXXX and at that time XXXX XXXX promised to finally correct my deceased Father 's mailing address, and to get a nearby branch manager to give me a call, so I would not be forced to repeat the frustrations of the past when I attempted to close my Father 's accounts at a local Eagle National Bank branch. In addition, on XXXX XXXX I FAXed over to Eagle National Bank a letter addressing concerns about unauthorized Eagle National Bank deductions from XXXX of my Father 's account. XXXX XXXX had previously promised she would review these concerns. 

I have called XXXX XXXX a number of times since I sent the FAX over on XXXX XXXX, and I have yet to hear from her. Neither, all these weeks later, have I received the promised call from the Eagle National Bank branch manager. 

Recently I received a letter from XXXX XXXX dated XXXX XXXX, 2015, which explains why she has failed to return my calls. In her XXXX XXXX letter XXXX XXXX incredibly absolves Eagle National Bank from any part in my concerns not being resolved. Further, the letter disingenuously suggests I give her a call to "" discuss this further. '' I have yet to see a sign that Eagle National Bank is interested in more than simply stonewalling me, and frustrating my lawful efforts to close my Father 's accounts. I am hoping CFPB can compel Eagle National Bank to take my concerns seriously, and resolve matters promptly. 
",,Consent provided,Web,2015-12-14,Closed with explanation,Yes,No,CR1695224,3739
2015-12-14,Credit card,,Credit card protection / Debt protection,,"I have bogus charges from XXXX. These charges are illegal. They are not even allowed to do business in the United States or with any U.S. citizen. They 've asked me for a fraud statement and I sent it in TWICE! They claimed they never received it and recharged my account {$11000.00} in bogus charges. I 've given them all the info they requested. I am not paying for these charges. 
",Older American,Consent provided,Web,2015-12-14,Closed with explanation,Yes,Yes,CR1695204,324
2015-12-14,Credit card,,Billing statement,,"I have XXXX promotional balance transfers on this account, but in the "" Interest Charge Calculation '' section, where it reflects the APR ( all 0 % ) and end date of each transfer, there is no balance in the column "" Balance Subject to Interest Rate, '' even though there is a balance on the card. I think this amounts to unfair credit practices, and prevents the consumer from being able to accurately track where payments are being applied/having a paper-trail reflecting this information. It also prevents a consumer from being able to know the balance that needs to be paid off before the promotion expires - without making a phone call to the bank to get the information. Therefore, the bank is setting up a situation where a consumer could unknowingly let a promotion expire without having paid off the related balance and then be charged interest on the remaining balance after expiration. It also prevents proper planning on the part of the consumer to ensure that the balance is paid before expiration of the promotion. 

The bank has also, in the past ( XXXX 2015 ), charged me a minimum interest charge ( related to a membership fee ) - but never reflected the amount of that membership fee as an amount subject to interest. This prevents the consumer from having an accurate picture of his financial situation, and means the interest will continue to accrue because the consumer can not see the balance subject to interest that would need to be paid off in order to avoid interest. 
",,Consent provided,Web,2015-12-14,Closed with monetary relief,Yes,No,CR1695579,10043
2015-12-14,Credit card,,Balance transfer,,"My payments going towards 0 % first and payment not being applied to high interest rate of 25 % from Eagle National Bank. 
",,Consent provided,Web,2015-12-14,Closed with explanation,Yes,No,CR1696875,853
2015-12-14,Credit card,,Billing disputes,,"Please see my Complaint # XXXX of XXXX XXXX. The following information refers to an additional letter received from Eagle National Bank, and your office may want to add it to my first complaint or else establish a new complaint. The reason is that I intended the complaint of XXXX to cover XXXX, but Eagle National Bank apparently has separated my dispute of charges into XXXX cases, the first one with Bank America Case # XXXX concerning XXXX and the second XXXX received recently, as described below, with Bank America Case # XXXX concerning XXXX. As described in the enclosed copy of my faxed reply to Bank America 's recent XXXX letters dated XXXX, the XXXX paragraph describes some kind of activity after you put the original complaint in motion. However, Eagle National Bank sent me XXXX letters re their Case # XXXX, XXXX requesting more information which I do not have and the second requesting that I choose XXXX "" description of my situation '' as well as requesting my authorization to cancel my current credit card and let them issue a new XXXX. The enclosed copy of my fax indicates these facts that I ca n't provide more information requested in the first letter and that I will not authorize the cancellation/reissue move. With reference to my refusal to authorize the cancellation of my current credit card and issuance of a new card, I crossed out the authorization because it will not solve the dispute but it will have an adverse effect on my currently excellent credit rating. I believe that with this latest request Eagle National Bank is now resorting to threats, which is simply reprehensible. Finally, as noted in my faxed reply to Eagle National Bank, I was unable to learn who XXXX Customer Care Resolution is or who FIA Care Services is, but the message one gets upon dialing XXXX XXXX XXXX XXXX is that FIA Care Services is a debt collection company. I would appreciate your help with this additional turn of events since Eagle National Bank has created this confusion and threat. 
",Older American,Consent provided,Web,2015-12-14,Closed with monetary relief,Yes,No,CR1695346,4578
2015-12-14,Credit card,,Other fee,,"I have a Target Credit Card issued by Eagle National Bank. In XXXX XXXX 2015 the bank put a charge on my account - {$25.00} returned payment fee. I called to the bank 's customer service and explained that I believed that the fee was a result of the bank 's computer system error : in the previous month, XXXX, I logged into my account online and change the information for the payment account for my Target Credit card. The system informed me that the changes would take place starting the next month - XXXX. However, The next month the changes were not applied and the payment on my Target credit card was drawn from the old, incorrect account. That 's why the return payment happened. I explained that to the Bank 's customer service agents and requested a refund of {$25.00} fee. The first agent sounded incompetent - I requested to connect me with her supervisor. At first the agent refused saying that her supervisor had all the same information and could not help me better. After I insisted she put me on hold and I waited for about XXXX min, with no result. Finally I hang up and dialed Eagle National Bank 's customer service again. The next agent was more cooperative and transferred me to the supervisor sooner. The male supervisor spoke to me rather arrogant and said that the bank would not refund the fee. The whole communication with Eagle National Bank was just a hassle. And I still understand that the fee was charged unfairly. 
",,Consent provided,Web,2015-12-14,Closed with explanation,Yes,Yes,CR1695324,1517
2015-12-14,Credit card,,Unsolicited issuance of credit card,,"I have applied for a Target REDcard while checking out at XXXX of Target stores in XXXX, TN ( On XXXX XXXX ). I made a one-time purchase when I applied ( back in XXXX 2015 ). 
I never received any correspondence from Target REDcard at all. I only received a letter from XXXX collection agency on XXXX XXXX, 2015. I called Target REDcard and they informed that the mail was returned!! ( probably due to invalid address ). I asked for them to contact the Credit Agencies to remove the bad credit that they reported. Target REDcard refused to remove the bad credit reporting. 
",,Consent provided,Web,2015-12-17,Closed with monetary relief,Yes,No,CR1695519,1857
2015-12-14,Credit card,,Unsolicited issuance of credit card,,,,Consent not provided,Web,2015-12-14,Closed with explanation,Yes,No,CR1695258,2791
2015-12-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-12-14,Closed with explanation,Yes,Yes,CR1695415,4219
2015-12-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-12-14,Closed with monetary relief,Yes,No,CR1695979,6936
2015-12-13,Bank account or service,Savings account,Deposits and withdrawals,,"Eagle National Bank fraudulently took {$1000.00} from my savings accounts. 
I 'm attaching a copy of my bank statements, as well as the letter received from Eagle National Bank ( EN ) On XX/XX/2015 using EN app we made an electronic deposit into our savings EN account, with a XXXX check # XXXX from our XXXX account for the amount of {$1000.00} dollars ; we received electronic confirmation # XXXX of the deposit.. The transaction was posted until XX/XX/2015 in our saving account in Eagle National Bank , same date that a withdrawal appears on our XXXX account. On XXXX XXXX Eagle National Bank decide to cancel the transaction and take the money out from our account ( refer to attached letter ) arguing that the check was negotiated XXXX times at XXXX XXXX XXXX. 
XX/XX/2015-EN Letter : The letter shows that Eagle National Bank made a mistake using a wrong account number as you can see in the header of page XXXX where it says that the Account of the check is : XXXX, when actually the correct account number from XXXX is : XXXX ( the second last digit was entered wrong by Eagle National Bank, they used XXXX instead of XXXX ), each month we do the same transaction : a check from XXXX for {$1000.00} into EN saving account.. The XXXX page header also shows the capture date of the check on XX/XX/XXXX matching the information and transactions done. The third page shows the check as captured from the app, and the fourth page shows the check showing the correct account number from XXXX and also the date that the check was posted : XX/XX/2015 that match with our EN statement and XXXX statement, we have verified with XXXX XXXX XXXX , that the handwriting was done by XXXX since they verified the check and approved the transaction. 
XXXX Statement : Shows that the money was took out XXXX/XXXX/2015 that there were enough funds at the time the check was posted, same date as EN statement is showing, and same date showed in the posted document sent by EN. Due to the "" posting error '' from EN I have not destroyed the check and it is with me, meaning this check has not been used in any other transaction other than the electronic deposit made on XXXX/XXXX/2015 and posted on XXXX/XXXX/2015. 
EN Statement Shows that the {$1000.00} was deposited in my savings account, and EN mistakenly took the money back from my account on XXXX/XXXX/2015 as shown in the statement and in the letter sent to me accusing other people ( implying that was me ) of negotiating the same check two times, when in reality was probably done by Eagle National Bank. 
We have been in phone conversation with both banks ; XXXX has been fully cooperative, and said that they have paid the money, on the other hand Eagle National Bank has not make any work to solve the problem on give us a the money back. We went directly to a branch, we called customer service and back to the local branch and each time we asked for updates we have had to start from the very beginning explaining the situation over and over and receiving the same answer that they "" will create a ticket and the back office will be in charge of talking with XXXX "" and the system per default sent us the same letter that I attached. Even if it says that our case has been revised, the letter is a computer generated letter. 
What we know is that check # XXXX for a {$1000.00} was withdrawal from our XXXX account to be deposited into our EN savings account. The check was deposited and posted into our EN account and later it was taken without returning to XXXX ; and at this moment the {$1000.00} are missing and neither of the backs are taking responsibility but blaming us for a wrong transaction when in reality where them the ones that make the mistake and kept fraudulently our {$1000.00}. 
",,Consent provided,Web,2015-12-13,Closed with explanation,Yes,No,CR1695142,7286
2015-12-13,Bank account or service,Checking account,Deposits and withdrawals,,"My complaint is against Eagle National Bank. I have had a account with them since XXXX, we started in XXXX with a local bank, XXXX, Nations Bank bought them and Eagle National Bank bought Nations. I started to use my debit card & found the account was frozen, I called for the reason & after being on hold and XXXX or XXXX different people they said reason was they needed more information and gave me a number to call Monday. I waited about XXXX hrs and called the same XXXX number again & told them I wanted to talk to their supervisor, after XXXX more people I finally got him. He said the reason it was frozen was they had sent out a letter with about XXXX questions on it & it had not been returned. I told him I had never gotten it He said anything that important should have been sent Registered Mail. I ask what the letter was about he said about maybe XXXX questions, I ask what they were & he said the following : What Country was you born in. was you a US Citizen & where were you living now also the main source of your income, the way the country was now they needed this up-dated.I said you mean they froze my account for this. They could check this as most all of our checks are direct deposit Our total income is {$XXXX} less taxes .Income derived from pensions, farm land rent, Eagle National Bank dividened shares which we inherited. Our balance in bank now is {$1700.00} and I need to pay my monthly bills. He gave me a number to call Monday & I would Fax information & maybe it could be released by Wednesday. I would think this would be illegal & certainly not fair, I am XXXX & my husband is XXXX and certainly not a XXXX. They had to word it as up date information to keep them legal. Then last week I checked my account & I had wrote a check for {$240.00} ch # XXXX to XXXX for my Mothers care, the next entry was ch # XXXX for {$4200.00} to XXXX, and it came bac Insufficient funds but they put that back in there & said was a computer glitch, then they charged me {$35.00} for in sufficient funds, I called again told them off since this was not my fault so they took this off. I think they are out for everything they can get. They were so crocked & XXXX XXXX so greedy they got themselves in this position and the rest of us are paying for this, Our Bank stock income was around {$XXXX} per year & now XXXX cent per share. We are now in the process of selling bank stock for something to make us more money and changing banks, they wo n't miss us we are to small but if enough did they would realize it. When proxy fight was for XXXX to keep both positions they called us to see if we would vote for that, which we did but it looks like they just try to keep themselves under the legal radar. Totally fed up with them & disappointed please help me I need our money it is ours & to keep them from doing this to anyone else. 
",Older American,Consent provided,Web,2015-12-13,Closed with explanation,Yes,No,CR1695009,1959
2015-12-13,Credit card,,Identity theft / Fraud / Embezzlement,,"Fradulent charges were made to my Eagle National Bank credit card. I had numerous phone conversations with individuals ( whose names I have ) assuring me that it would be resolved in my favor. Now I am informed that because I did not contact them in writing, that I am liable for the fradulent charges totaling {$26000.00}. I am XXXX years old and have been with B of Am. for 30 years. The phone conversations assured me that they were looking after my interests. 
",,Consent provided,Web,2015-12-13,Closed with explanation,Yes,Yes,CR1695112,2731
2015-12-13,Credit card,,Closing/Cancelling account,,"I have had my Eagle National Bank credit card ending in XXXX for year and have never been late. Eagle National Bank sent me a letter on XXXX/XXXX/2015 that they are closing my personal account due to an issue with my business account. This has hurt me tremendously as my credit score has suffered due to this matter. 
",,Consent provided,Web,2015-12-13,Closed with explanation,Yes,No,CR1695131,3260
2015-12-13,Credit card,,Closing/Cancelling account,,"I have had my Eagle National Bank credit card ending in XXXX for year and have never been late. Eagle National Bank sent me a letter on XXXX/XXXX/2015 that they are closing my personal account due to an issue with my business account. This has hurt me tremendously as my credit score has suffered due to this matter. 
",,Consent provided,Web,2015-12-13,Closed with explanation,Yes,No,CR1695132,3158
2015-12-13,Credit card,,Closing/Cancelling account,,"I have had my Eagle National Bank credit card ending in XXXX for year and have never been late. Eagle National Bank sent me a letter on XXXX/XXXX/2015 that they are closing my personal account due to an issue with my business account. This has hurt me tremendously as my credit score has suffered due to this matter. 
",,Consent provided,Web,2015-12-13,Closed with explanation,Yes,No,CR1695130,2826
2015-12-13,Credit card,,Forbearance / Workout plans,,,,Consent not provided,Web,2015-12-13,Closed with explanation,Yes,No,CR1695094,1177
2015-12-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-12-13,Closed with explanation,Yes,No,CR1695118,2269
2015-12-12,Bank account or service,Checking account,"Account opening, closing, or management",,"I lost my credit card I went online as soon as i realized, which was late in the evening, reported it lost and requested a replacement card. I called and reported XXXX transactions as fraud XXXX for {$50.00} & XXXX for {$75.00}. I was advised I 'd get a call back to the number on my account. That was over a month ago im still waiting for the call. So i ordered statement copies, like I 've done in the past, I reviewed my account two days later to see a fee for {$100.00} for statement copies. I canceled the order and asked for a credit i got confirmation it was canceled but i was not issued a credit for the fee. Which i was only advised that there may be a fee in a message AFTER i submitted the order. 
",,Consent provided,Web,2015-12-12,Closed with monetary relief,Yes,No,CR1694569,3246
2015-12-12,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-12-12,Closed with explanation,Yes,No,CR1694622,2911
2015-12-11,Bank account or service,Checking account,Deposits and withdrawals,,"I submitted a complaint to CFPB about Eagle National Bank and the response I got from them had nothing to do with what my complaint was about. So I am submitting a new complaint in the hopes that this time B of A will address my complaint. On XXXX XXXX I deposited a cashiers check for {$7500.00} in my checking account. When I asked the teller when the check would clear she said it would CLEAR the next day. I went back the next day and took {$4500.00} out of the account on the information that the teller had given me that the check would have CLEARED by then. On XXXX XXXX the bank informed me that the cashiers check was fake and that they are holding me responsible for the money spent. It was never explained to me that even though I was told that the check had cleared that there could still be a problem with the check. That it could take days for it to actually clear. I should not be held responsible for the money that was lost on the fake check. This is the bank teller 's fault for not explaining the process to me and for telling me that the check had cleared and allowing me to withdraw money on it. 
",Older American,Consent provided,Web,2015-12-11,Closed with explanation,Yes,No,CR1692705,3075
2015-12-11,Bank account or service,Checking account,Using a debit or ATM card,,"On XX/XX/XXXX, on my way home from work, I had stopped by a XXXX to withdraw {$20.00} from the atm on that site, and to make a purchase as well. When I got home, I had checked my account balance and had noticed that {$450.00} was missing from my checking account. Following procedures, I called Eagle National Bank to notify them of fraudulent activity, and that money had gone missing. My account was put on a hold until I had obtain a temporary card, and the {$450.00} was credited back to my account. On XX/XX/XXXX, i went to make a purchase at a local gas station, and my card was being decline. I checked my account to find the reason why, and noticed that Eagle National Bank had taken back the {$450.00}. When i called the bank to question as to why that money was taken, I was told that because I had used the atm at that particular store in the past, that they couldnt find any fraudulent activity, and/or that some one had prior knowledge of my account information and was able to make that withdraw. I argued the fact that I had not made that withdraw, for the amount said, nor did I authorize that transaction to be made. As far as I am concerned there is or was fraudulent activity made against my account. I even went as far to have my claim resubmitted to Eagle National Bank- and again, my claim was denied, with Eagle National Bank claiming that they found nothing that seemed fraudulent. 
",,Consent provided,Web,2015-12-11,Closed with monetary relief,Yes,No,CR1694576,1303
2015-12-11,Credit card,,Cash advance,,"After using the service XXXX for a few years now to send money to my son in prison and having it charged to my credit card as a regular transaction, no transaction fee, regular interest rate, the Eagle National Bank has recently ( XXXX, 2015? ) reclassifed XXXX as a Money Transfer service so they are now showing it as a Cash Advance item, which is subject to an additional {$10.00} fee AND the much inflated interest rate for Cash Advances. First, no notice was sent that this was happening. Second, it feels predatory on a population of consumers who tend to be the least equipped to take on such additional financial burden - it is the family of the prisoners who pay this fee, not the prisoners who are already being punished. Just to illustrate : My {$100.00} transaction was charged {$6.00} fee by XXXX ( which I was aware of ) then the credit card company charged an additional {$10.00}, then it is treated as a Cash Advance with 25 % interest on the TOTAL amount of {$100.00}, so more than {$25.00} in interest. I 'm not great at math, but I believe that puts the transaction at about XXXX cents on the dollar. The credit card companies do have a choice in how the classify these transactions. Please look into this matter. It is wrong on so many levels. Thank you. 
",,Consent provided,Web,2015-12-11,Closed with explanation,Yes,No,CR1693533,9820
2015-12-11,Credit card,,Closing/Cancelling account,,"I had a Credit Card with Eagle National Bank. The account was in good standing, paid in full and on time. I closed the account in XXXX of 2015. This is not disputed by Eagle National Bank. In XXXX of 2015 ( a full 3 months after the account had been closed ) Eagle National Bank re-opened my account without my authorization and accepted an unauthorized charge of {$9.00}. Eagle National Bank did not send me a statement or mail a notification about what it had done until XXXX XXXX, 2015 when I received a past-due letter. Additionally, Eagle National Bank reported me as delinquent to the credit reporting services which had a negative impact on my credit and my credit score. Never did I authorize Eagle National Bank to re-open my account after closing it in XXXX of 2015 and never did I authorize a charge of {$9.00} on my closed account. 
",,Consent provided,Web,2015-12-11,Closed with monetary relief,Yes,Yes,CR1692999,2101
2015-12-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My company used Eagle National Bank for our merchant services. Their fees were much higher than what they had initially quoted. Therefore I moved the merchant services to another bank. Eagle National Bank refuses to stop charging me {$28.00} per month for the merchant service even though there is no longer any merchant services. It is a small amount but they are in fact stealing my funds in my opinion. They also say I am under contract and to terminate the services I would be forced to pay more fees. I am not under any contract and feel this is just bullying on their part. 
",Older American,Consent provided,Web,2015-12-11,Closed with monetary relief,Yes,No,CR1693070,3606
2015-12-11,Credit card,,Other,,,,Consent not provided,Web,2015-12-11,Closed with explanation,Yes,Yes,CR1693407,190
2015-12-11,Credit card,,Transaction issue,,,Older American,Consent not provided,Web,2015-12-11,Closed with explanation,Yes,No,CR1693006,1607
2015-12-11,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,Consent not provided,Web,2015-12-11,Closed with explanation,Yes,No,CR1693171,1294
2015-12-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-12-11,Closed with explanation,Yes,No,CR1693081,1393
2015-12-10,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank began putting holds on all of my deposits for the last 2 weeks of every month. I called them every day to get those holds released, and got different answers each time, from "" sure, right away '' to "" this is the last time we 're ever doing this for you '' to "" we ca n't do anything about this, you just have to wait ''. I 've wasted at least 20 hours total over 3 months calling them to release holds. XXXX of these holds caused a payment to bounce to a charge card, which caused XXXX XXXX to impose a limit on that card, which previously had no set spending limit. In XXXX, they went a step further. They put a 10-day hold on a deposit, and then retroactively placed holds on all deposits from the previous week, which had already posted to my account, overdrawing my account by roughly {$2500.00}. They then bounced every payment that came in, which caused late payments to creditors and returned item fees. Some of the payment accounts charged a separate returned payment fee, which also bounced, and I now have XXXX accounts that are in collections. Eagle National Bank then charged me NSF fees of {$35.00} per transaction 4 times a day. The hold notice I received said that any fees would be credited after the holds cleared, but that I would have to call them. When I called them, I spent 45 minutes on the phone, most of that time on hold, waiting for the agent to "" see what she could do '' about this, and "" not guaranteeing anything ''. Multiple times agents made promises that someone would call me back by the end of the day, and none of those promises were ever kept. Ultimately the fees were credited. But the effects remain : a charge card with a new limit that restricts my ability to operate my business, delinquency reports on my credit report for late payments as a result of overdrafts, 20+ hours of wasted time, accounts in collections, and literally hundreds of dollars in fees incurred as a result of Eagle National Bank placing holds on my deposits. 
",,Consent provided,Web,2015-12-10,Closed with monetary relief,Yes,Yes,CR1691439,4393
2015-12-10,Bank account or service,Checking account,"Account opening, closing, or management",,"I had an account with Eagle National Bank on XXXX XXXX XXXX in XXXX and it was closed due to an overdraft that I was unable to pay before the account was set to close. I wrote a check to myself and deposited the for cash due to falling upon a hardship - losing my job in XXXX XXXX. A family member agreed to wire the money to me the following day but she never did so I was left with trying to figure out how to get money that I did not have back into my account. 

A Eagle National Bank representative contacted me with a date to by or the account would be closed I explained to her what happened but there was nothing she could do about it of course, and I knew I would not have the amount of money needed by the time the representative stated I needed to have it in by. 

I found out that I was listed with XXXX ( XXXX ) XXXX is owned by XXXX XXXX, Eagle National Bank, XXXX, XXXX XXXX XXXX and XXXX XXXX, so I requested a XXXX report and contacted Eagle National Bank after receiving the report. I was advised that I should start with paying the money back even though it was written off an purged. S once I had the total amount of money owed I paid it back via a Eagle National Bank representative over the phone. I even paid an account from XX/XX/XXXX that had a balance that was written off - Purged for {$24.00}. 

I tried to open an account and was unable to do so because of me being listed with with XXXX XXXX XXXX. The XXXX report reads : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner, and the XXXX report states : "" Suspected Fraud. '' I ca n't open a bank account anywhere. I have tried credit unions and banks and they all tell me it 's based on the XXXX report or XXXX Report or both. The most interesting thing is ; as explained by one Credit Union Branch Manager is this : "" We can not see what is on the report ( why I am on the report ) we only see that you are listed in the XXXX database based on your Social Security Number and persons listed on the XXXX report ca n't open an account even if it 's paid off, and she went on to say that most banks and credit unions use this method to determine if someone is eligible or will be allowed to bank with them. 

This is so unethical ... I made a mistake, I paid the debt ... because that was the right thing to do and I still can not open a bank or credit union account like a normal citizen. I pay all of my credit cards on time, as well as my car note and I make a decent salary and have to do my banking via a Debit card, and I am tried of this. 

Once a person is listed with XXXX it stays in the system for 7 years. Considering I had never had any banking issues outside of this matter with Eagle National Bank or any other bank I should not be held in some type of "" Digital Debtors Prison '' for 7 years. 

XXXX is listed on this report as well, and no one can explain why. I applied for an account I was initially approved, I made a deposit, and a week or so later I was denied and my deposit was sent back to me in the form of a check. There were not any transactions what-so-ever so XXXX should not even be listed because it makes it look as if I did something wrong ; it reads ( closed for cause -Purge ) what cause? Cause they are part owners of XXXX with Eagle National Bank? 
",,Consent provided,Web,2015-12-10,Closed with explanation,Yes,Yes,CR1691719,1297
2015-12-10,Bank account or service,Checking account,Using a debit or ATM card,,"This e-commerce communication if in reference to my checking core account ending in XXXX and ATM Debit Card ending in XXXX ( shredded ) The issue here is Eagle National Bank notified me via their Alerts/Notifications Online Banking that the Debit Card has been used and UNUSUAL ACTIVITY found on XXXX XXXX, XXXX. According to my various telephone conversations with BofA 's Fraud Specialist, Claim Department, Field Office ( XXXX, XXXX XXXX, CA ) employees, the transactions were in reference to my ATM Debit Card linked to the Checking Core Account ending XXXX in the amount of approximately {$500.00} maybe more. I was informed to go to the Field Office Branch and request a new ATM Debit Card. In doing so, now I have a Temporary ATM Debit Card ending XXXX. 
I need to file a claim for the attempts made on XXXX/XXXX/XXXX and requested the Fraud Specialist, Claim Department, Legal Department and the Field Office Branch in XXXX XXXX, Ca ...! 
None of them have a printable statement or record of UNUSUAL ACTIVITY for that day. WHY?? 

Please review the attached ( .pdf ) document from me as proof of the Fraudulent Online Banking charges with the same Bank ( XX/XX/XXXX and XX/XX/XXXX ) If I do not get a reply within 10 days in reference to the recent FRAUDULENT/UNUSUAL ACTIVITY ( XXXX/XXXX/XXXX ) I wait in anticipation for your replies. And I TRUST that one of the valued Departments will Audit and Review Eagle National Bank 's Policy and Procedures when it comes to handling Online and ATM Transactions. 

In closing, XXXX has also committed VIOLATIONS in reference to LOAN and SAVINGS Accounts I have with them. Lets look into BofA first and with a Knowledge Based Solution, move on to XXXX. 
FAIR ENOUGH? 

Sincerely, XXXX XXXX e-Mail : XXXXXXXXXXXX XXXX : ( XXXX ) XXXX CA LIC # XXXX Former Employee Of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX Tel : ( XXXX ) XXXX This e-commerce communication if in reference to my checking core account ending in XXXX and ATM Debit Card ending in XXXX ( shredded ) The issue here is Eagle National Bank notified me via their Alerts/Notifications Online Banking that the Debit Card has been used and UNUSUAL ACTIVITY found on XXXX XXXX, XXXX. According to my various telephone conversations with BofA 's Fraud Specialist, Claim Department, Field Office ( XXXX, XXXX XXXX, CA ) employees, the transactions were in reference to my ATM Debit Card linked to the Checking Core Account ending XXXX in the amount of approximately {$500.00} maybe more. I was informed to go to the Field Office Branch and request a new ATM Debit Card. In doing so, now I have a Temporary ATM Debit Card ending XXXX. 
I need to file a claim for the attempts made on XXXX/XXXX/XXXX and requested the Fraud Specialist, Claim Department, Legal Department and the Field Office Branch in XXXX XXXX, Ca ...! 
None of them have a printable statement or record of UNUSUAL ACTIVITY for that day. WHY?? 

Please review the attached ( .pdf ) document from me as proof of the Fraudulent Online Banking charges with the same Bank ( XXXX and XX/XX/XXXX ) If I do not get a reply within 10 days in reference to the recent FRAUDULENT/UNUSUAL ACTIVITY ( XXXX/XXXX/XXXX ) I wait in anticipation for your replies. And I TRUST that one of the valued Departments will Audit and Review Eagle National Bank 's Policy and Procedures when it comes to handling Online and ATM Transactions. 

In closing, XXXX has also committed VIOLATIONS in reference to SAVINGS and LOAN Accounts I have with them. Lets look into BOfA of first and with a Knowledge Based Solution, move on to XXXX. 
FAIR ENOUGH? 

Sincerely, XXXX XXXX e-Mail : XXXXXXXXXXXX XXXX : ( XXXX ) XXXX CA LIC # XXXX Former Employee Of XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX 
",,Consent provided,Web,2015-12-10,Closed with explanation,Yes,No,CR1691331,626
2015-12-10,Credit card,,Billing disputes,,". On XXXX XXXX I went to XXXX, XXXX, and Eagle National Bank to pay my credit card bills in which I paid the balance in full. I have had my Eagle National Bank card since 2008 and thought I was a valued customer. However, I was wrong there is a new automated machine as this branch where the representatives at the branch had me pay my credit card bill while she and the automated teller assisted me I paid my bill in full put all the cash in the machine there was a problem returning my change and receipt the bank representative and the automated teller both assured me that the credit would post to my account on XXXX XXXX that the new machine was having some problems and if the credit did n't post to my account to come back to the bank. The credit did post to my account on XXXX XXXX I was happy because the machine did n't give me a receipt. On XXXX lst I received a letter from Eagle National Bank stating that there had been an error and they reposted the amount back to my account. I called the number on the and spoke to XXXX XXXX and she informed me to go back to the bank which I did and the assistant office manager XXXX XXXX helped me and we called back the number on the letter again and we was told that they were having some data issues and the woman would XXXX would call me back and there was no need to wait at the bank. I left and she called as I was driving and informed me that she had good news that they found they money and was crediting back my account then on XXXX XXXX I get a letter saying my account was in collection I was like was is the heck going on. I called the number & spoke to XXXX who was not very customer friendly and closed my account without my permission when I told him after this all was resolved I was going to close my account but I would not close my account with an outstanding balance. XXXX then transferred me to XXXX XXXX and he apologized and put his supervisor XXXX XXXX he was very helpful and professional we both had no idea XXXX had closed my account. Then yesterday I called to find out when I was going to get a follow up call as XXXX XXXX had promised me to resolved this machine error and XXXX told me my account was closed I nearly passed out I could n't believe how I have been treated with Eagle National Bank when I am never late with a payment and pay all my balances in full. XXXX was very kind and asked did I want to reopen my account at first I was like yes but then I said no why would I want to open or reopen an account I never closed and have been getting the run around due to a Eagle National Bank new machine that never gave me back my change or a receipt and now I am in collection due to a machine error and had my account closed by a rude customer service rep. I have contacted XXXX Credit Report and they do n't see this in my credit history so some body or something is wrong with your data base as I was informed at the branch. I have spoke to so many customer service reps with so many different stories that I have lost all my faith in Eagle National Bank and XXXX was the worst he never tried to resolve my issue when I said that I wanted to close my account when this was all over due to the back and forth I have been getting he just took it upon him self and closed my account. I have had XXXX deaths in my family since XX/XX/XXXX where my cousin was XXXX in XXXX XXXX Florida and there was XXXX more including my aunt passing on XXXX XXXX on my dad 's Birthday I was up all night conversing with my family to make funeral arrangement like I told XXXX XXXX and for XXXX to treat me like I did n't matter and closed my account with out reading me any disclosure or making me aware when I clearly said to XXXX now why would I close my account with an outstanding balance that I paid and being recharged again. More in my letter I submitted. 
",,Consent provided,Web,2015-12-10,Closed with monetary relief,Yes,No,CR1691205,3737
2015-12-10,Credit card,,APR or interest rate,,"Eagle National Bankn charges interest on on purchases which are paid XXXX % on or prior to the due date & even when set up to autopay on due date, they pay a day late ( to themselves ) & collect interest. Most months I carry no balance forward, yet they charge me interest monthly & only retract the charges when I complain. The next month, it starts again with 18.74 % APR. Other credit card companies/banks like XXXX or XXXX do not do this under same circumstances. 
",,Consent provided,Web,2015-12-10,Closed with monetary relief,Yes,No,CR1691329,2027
2015-12-10,Credit card,,Payoff process,,"I have XXXX Eagle National Bank credit cards. For about the tenth time in XXXX years I have made my monthly payment timely to B of A, in excess of the minimum amount due. B of A has a system error they refuse to fix whereby payments submitted in close proximity to the generation of a monthly statement will be reflected on the account, but will not clear the "" payment due '' code online or in their voice response system. And that is not just a harmless "" glitch '' -- it is actually on their books that there is a payment still due. The XXXX time I assumed it was a "" glitch '' and would resolve itself, it did not, and B of A started calling me about a "" late payment. '' Subsequently it happened numerous times. This past month it happened on XXXX of my B of A cards and with the payment due notation still on there, I just went ahead and for about the XXXX or XXXX time just made a double payment because I did not have an hour to dedicate to sitting on hold. So, happened again this month on my other B of A account, made my payment, still showed due. So I started an online chat a few days ago and the rep said they would fix it. They did not. I have now been on the phone for almost an hour with B of A and they are saying all they can do is reverse the payment I made and have me remake it. And they first tried to tell me the incorrect story that it was a "" glitch '' that would resolve itself once the next statement generated. I pointed out to them the first time I made that assumption they were on the phone with me calling me and accusing me of failing to make a payment when due. Unbelievable, unacceptable, bumbling incompetence. They should have their license pulled. 
",,Consent provided,Web,2015-12-10,Closed with explanation,Yes,Yes,CR1691451,9555
2015-12-10,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-12-10,Closed with monetary relief,Yes,No,CR1691769,428
2015-12-10,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-12-10,Closed with explanation,Yes,No,CR1691215,2941
2015-12-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-12-10,Closed with explanation,Yes,Yes,CR1691444,1078
2015-12-09,Bank account or service,Checking account,"Account opening, closing, or management",,"I received a call at XXXX from Eagle National Bank a voicemail was left about my account being locked and I am not a Eagle National Bank customer. 
",,Consent provided,Web,2015-12-09,Closed with explanation,Yes,No,CR1689341,1519
2015-12-09,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX XXXX, I used my debit card for {$23.00}. At that time I had {$300.00} in my account. Then on XXXX XXXX, I paid another bill for {$20.00} and at that time I had {$130.00} in my account. Later on XXXX XXXX, XXXX checks came through my account - XXXX for {$63.00} and XXXX, which I admit I forgot about writing, for {$120.00}. Eagle National Bank manipulated the way the charges came through my account in order to charge me XXXX overdraft fees instead of just the one, and I actually think they are going to charge me a fourth fee this evening because the {$23.00} debit card from three days ago is still in processing and once it goes through another overdraft fee will be generated - even though the {$23.00} charge was approved three days ago. I know EN paid a hefty settlement a couple of years ago for manipulating debit card charges in order to charge more overdraft fees and now they are doing it again. I guess they did not learn their lesson. 
",,Consent provided,Web,2015-12-09,Closed with monetary relief,Yes,No,CR1689631,4422
2015-12-09,Bank account or service,Checking account,"Account opening, closing, or management",,"While reconciling our bank statement we found checks were drawn on our account using our routing and account numbers. The checks were made out with other companies names and fraudulent signatures. We notified our bank who gave us credit for the loss. This was later reversed because Eagle National Bank would not repay them for the check fraud. Bank America sent a letter stating that they would have to have been notified within 24 hours of the fraud. This is ludicrous as we are a business sending out checks daily. We had no way of knowing that this fraud was going on. Bank America quoted reg CC in their letter. Is this a federal regulation? We did not issue these checks, or sign these checks. They are not in our companies name. How come we would be responsible and not the Bank? 
",Older American,Consent provided,Web,2015-12-09,Closed with explanation,Yes,No,CR1689873,4141
2015-12-09,Credit card,,Closing/Cancelling account,,"Eagle National Bank closed my credit card account at some unspecified time without notifying me. I 'm not sure when, but I paid off my balance last month. When I called to ask why they closed the account they said it was because I had n't used my card in 60 days and they were n't receiving money from me. They reopened it, but until I receive a new card, which they estimate will take 2 weeks, I ca n't use my existing card even though apparently my account numbers, etc. are all the same. 
",,Consent provided,Web,2015-12-09,Closed with explanation,Yes,Yes,CR1689842,10960
2015-12-09,Credit card,,APR or interest rate,,"I consolidated with Eagle National Bank credit card. Due to the nature of XXXX of my loans ( it was a line of credit with my bank ), the consolidation was split into a regular credit card balance transfer and a cash advance. I now have two different % rates, and I can not pay the higher one off first. They are using a law meant to protect consumers against me. The promotional rate has long expired, so now I 'm stuck paying down a loan where the interest rate is killing me, and I ca n't choose to pay the higher one off first. 
",,Consent provided,Web,2015-12-09,Closed with explanation,Yes,No,CR1689320,4337
2015-12-09,Credit card,,Other fee,,"I had a credit card with MBNA for a number of years without issue. Somewhere along the way the card was taken over by Eagle National Bank. At some point, I contacted them concerning my 1 % points since I heard about their 1.5 % ... after a lengthy discussion, there seemed no downside to update my card. After accumulating points for years, I requested a disbursement of the 1.5 % and was then informed that the actual amount was only .9 % ... in order to obtain the 1.5 %, I had to use toward a travel expenditure ( if I had originally known, I never would have signed up since I do n't use that card for such expenditures as well as use frequent flyer miles when I do my minimal travel ). I wasted my spouses time who dealt with my mother-in-law in order to purchase plane tickets for her in order to use the 1.5 % points and then hassled with the whole reimbursement process from my mother-in-law back through my spouse. I pay my credit card bill in full each month. So my only XXXX credit card charges on my monthly invoice were for that travel and used my 1.5 % points to timely payoff the balance of my account in full. Eagle National Bank claimed that I did n't make a minimum cash payment so charged me a {$25.00} late payment fee ( i.e. due date was XXXX, made a {$25.00} cash payment on XXXX and statement closing date was XXXX ) ... their rationale was that I had made a charge on the following month. Be mindful, there was no balance due and then paid off my account in full for charges in that billing cycle. I believe that Eagle National Bank not only was deceptive when claiming their card was 1.5 % points when actually was .9 % as well as unfairly charged me a {$25.00} late payment fee when I had paid-in-full with the travel credits. Apparently they no longer want my business, even though I believe I have been an upstanding customer for nine years, since when I discussed the matter with them, they had no willingness to waiving the unreasonable fee. Thank you very much for your efforts at the CFPB to assist consumers with credit card companies unscrupulous practices in the past. With Appreciation! 
",,Consent provided,Web,2015-12-09,Closed with monetary relief,Yes,No,CR1689824,2623
2015-12-09,Credit card,,Billing disputes,,"I went to see a local attorney to discuss and shared parenting revision to take my XXXX year old minor son to PA where I had obtained a good job. I met with the attorney once in XXXX 2015. He took some pertinent information. I met with him again at the end of XXXX 2015, still unsure if I wanted to go through with this, take my minor son, and move to PA. I had given his receptionist my credit card information if I wanted him to take the case. I signed a contract that stated he could do all the work ; file petitions, if the former husband gave me any problems, appointment of a 'guardian et litem ', etc. Toward the middle of the meeting I decided I did not want him to help me. He was late for the appointment, seemed XXXX and in XXXX with his records and his office. He also kept cursing. I asked him to tear up the contract and give me my {$2500.00} back. He billed my XXXX another {$2500.00} He said to send him a certified letter and he 'd give me my money back and would send a copy of the null and voided contract. He lied. He sent me an inflated bogus bill for services he DID NOT perform. He sent a bill for {$3500.00} with a refund check of {$1400.00}. I called XXXX and they originally took the {$5000.00} off. He fought back and sent his bogus bill, the contract with my signature and copy of signed slip for {$2500.00}. XXXX then gave him ALL of the money back. He has my refund of {$1400.00} also. I had another local attorney do the filing and revision for me for {$600.00}. When I called XXXX they closed their investigation and stated if I had sent the other attorney 's fee and what she did, they would have maybe given my money back. They did not tell me to do that and I sent all the information they had requested. It seems they did not take my story into account or these major issues with him. It is my XXXX, not his. 
XXXX took MY money and gave to this creep. I am a single mother and he must have found out I had a ZERO balance on my card with a {$5000.00} limit. I also took the money off as soon as I found out that he lied, billed my card another {$2500.00} and figured out he was scamming me. I just want my money back. There was no agreement that he would charge me {$5000.00} to talk with him for only 2 ( two ) hours. XXXX did not follow the consumer rules. 
Thank you. 
",,Consent provided,Web,2015-12-14,Closed with explanation,Yes,Yes,CR1689432,3972
2015-12-09,Credit card,,Billing disputes,,"See attached letter of XXXX/XXXX/15 from me to Eagle National Bank for more detail. On XXXX/XXXX/15 I answered an internet ad for a sample of a product that was advertised as free except for a shipping charge of {$5.00}. I provided my XXXX card number for this charge ; but, when I received the credit card monthly statement there were charges for not only {$5.00} but another charge for {$1.00}, also supposed "" shipping '' as well as XXXX products charged at {$89.00} and {$85.00}, totaling {$170.00}, which total later somehow became {$230.00}. I immediately telephoned XXXX card member services, and the agent said these charges would be placed in dispute and credited to my account. The next billing statement still showed the disputed charges as {$180.00}. I called XXXX again on XXXX and was told that this amount would be credited and a check would be issued to me for {$53.00}, supposedly for an additional credit, and that the account balance was then XXXX. However, I then received a letter from Eagle National Bank dated XXXX saying that the vendor did not agree to this and requested "" documentation '' from me such as a "" date you canceled with merchant, '' "" their response, '' "" proof, '' "" date merchandise returned, '' etc. Bank also required me to sign and return their letter if I still disputed these charges, and I did so. Bank 's letter and my response were faxed to them on XXXX/XXXX/15. Then in a letter with postal date of XXXX/XXXX/15 Eagle National Bank said that the vendor of the second item disputed the credit to my account and requested the same type of information and return of Bank 's letter by XXXX/XXXX/15 indicating whether I still disputed the second charge. I intend to do so and continue to dispute the charges, providing the same response that I provided on XXXX/XXXX/15. I have complied with XXXX/Eagle National Bank 's requests in addition to contacting the so-called merchants about these disputed charges. Today I tried to research the merchant and could not reach their XXXX XXXX office by telephone. The person answering the number I telephoned merely transferred me to a line that provided for only a recorded message. It 's apparent to me that the so-called merchant ( s ) are merely fraudulent scam artists and that Eagle National Bank is aiding and abetting their scam. This constitutes harassment, and I request your help to stop it. 
",Older American,Consent provided,Web,2015-12-09,Closed with monetary relief,Yes,No,CR1689849,4126
2015-12-09,Bank account or service,Checking account,Problems caused by my funds being low,,"Am Having a Problem with Eagle National Bank charging me several Overdraft fee the problem started XXXX/XXXX/2015 There was a checked that was deposit into my account For The Amount {$34.00} and the checked was return due because they where no funds on the account so first Eagle National Bank charges me and over draft fee {$100.00} wish posted on XXXX/XXXX/2015 and then they charge me another overdraft for {$35.00} Dollars on the account due beacuse of the check was not valid and they where no funds on the account am really fustrated of this scam Eagle National Bank i been paying then overdraft fee for each transaction and they are not willing to cover or ajust the overdraft fee of {$35.00} 
",,Consent provided,Web,2015-12-09,Closed with monetary relief,Yes,No,CR1690056,4674
2015-12-09,Bank account or service,Savings account,"Account opening, closing, or management",,"I filed a CFPB complaint against Eagle National Bank on XXXX XXXX, 2015 -- Case number XXXX. Eagle National Bank 's reply was not at all satisfactory. Aside from the reply 's failure to address the issues I raised in my complaint, it claimed that EN deposited {$30.00} to my account as compensation. However, I never received any such deposit. Therefore, I filed a dispute on XXXX, as a new complaint, Case # XXXX. My new complaint disputed the {$30.00} and repeated many of my original statements, as EN did not address them in its reply. On XXXX XXXX, EN replied simply that it had paid me {$30.00} in XXXX and therefore I was mistaken. I was extremely surprised by this reply, and my response is a XXXX complaint, as follows. 
When EN said that they paid {$30.00} into my account, it sounded like they did so in response to my new CFPB complaint about the new XXXX problem which was the tipping point that caused me to file with the CFPB. When I filed my original CFPB complaint, I did know that EN made a {$30.00} credit in XXXX. In fact, in my original complaint, I stated that EN gave me a {$25.00} apology amount ; that XXXX sum was part of that {$30.00} -- - EN paid me {$5.00} in retro-interest plus {$25.00} for my trouble -- totalling {$30.00}. However, that {$30.00} was regarding PRIOR complaints that I made directly to EN before ever contacting the CFPB in XXXX about the new XXXX problem, and as such, when EN said in XXXX that they gave me {$30.00}, I thought that they meant a new {$30.00} to address the new XXXX issue which I described in my original CFPB complaint -- I thought that until their XXXX XXXX reply. As I stated in my XXXX dispute of their initial reply, EN, in XXXX, changed its offered accounts with no notice, so that I no longer had the best interest rate. Please refer to that XXXX complaint for full details. Yes, in my complaint about the new XXXX issue, I did describe all of my prior problems, because, when I reached my tipping point after the XXXX problem occurred, I wanted your Bureau to be aware of the pervasive problems with EN which I fear affect many, many people, and not just me. But EN never addressed the new XXXX problem ; and the Retail Operations Manager, XXXX XXXX, who gave me the {$30.00} in XXXX, never responded to my call about this new XXXX problem -- in spite of his XXXX assurances to me that he was so very much concerned w/ fixing any errors. As I stated more fully on XXXX XXXX, in addition to wanting compensation for me due to the XXXX issue, I want EN to have to publicize the information regarding the new account structure so that all customers who had Relationship Savings will know that it no longer offers the best EN rates. 
",,Consent provided,Web,2015-12-09,Closed with explanation,Yes,Yes,CR1689064,3317
2015-12-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I was having dinner tonight at XXXX XXXX and tried to settle my bill for {$160.00}, my Eagle National Bank card was declined. I contacted Eagle National Bank customer 's service line, instead of the service representative to me my card was blocked so I asked her to unblock my account and I requested to speak to a supervisor and was placed on hold for 10 minutes. The supervisor came on the line ask me to verify my identity and ask if I can authorise the transaction and I told her I already have with the call representative, but she did not and hung up the phone. I called back spoke to another representative and told her what happened then she hung up as well! So I called again and finally had the block taken off and the call representative was rude and did not care how this ordeal affected me so she hung up the phoe on me as well. Please do not use Eagle National Bank. 
",,Consent provided,Web,2015-12-14,Closed with monetary relief,Yes,No,CR1689300,2998
2015-12-09,Credit card,,Unsolicited issuance of credit card,,"Numerous credit cards were fraudulently opened in my name due to identity theft. I filed all necessary paperwork / affidavits / police report. Target said they did n't receive my paperwork. I resent and was told they would contact me when they received it. They forgot to contact me. They also forgot to process the paperwork. They have not forgotten to send me fraudulent bills for over {$3000.00}. They will not provide me with information on how to file a complaint. 
",,Consent provided,Web,2015-12-09,Closed with explanation,Yes,No,CR1689963,4565
2015-12-09,Credit card,,Privacy,,,,Consent not provided,Web,2015-12-09,Closed with explanation,Yes,Yes,CR1689250,1474
2015-12-09,Credit card,,Other,,,,Consent not provided,Web,2015-12-09,Closed with explanation,Yes,No,CR1689159,3877
2015-12-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-12-09,Closed with monetary relief,Yes,No,CR1689798,1425
2015-12-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-12-09,Closed with monetary relief,Yes,No,CR1689337,1462
2015-12-08,Credit card,,Balance transfer,,"In late XXXX 2015 my husband was contacted by Eagle National Bank about a balance transfer credit card. When he received the card he observed that the interest rate was higher than he had been quoted, so he decided against using it and never activated it. Without our knowledge or permission, Eagle National Bank transferred {$4000.00} to our XXXX XXXX credit card, although our balance with them was less than {$1400.00}. We were unaware of this transaction until we received statements from each company, at which time we contacted XXXX. 
Phone call # 1, XXXX : XXXX XXXX -- -No payments due till situation is resolved, no additional interest or fees will be charged ( or deducted ) from credit balance. 
Eagle National Bank -- -Will submit request to XXXX to get money returned, no additional charges to be associated with this transaction.Will send case to research dept. and will give us results within 30 days. ( We did not receive a phone call regarding this agreement XXXX XXXX : Eagle National Bank -- -Received call re : late payment. Repeated story, B of A agreed to contact dispute dept. 
Phone call # 2 : XXXX : XXXX conference call with XXXX, B of A, my husband and myself. 
Eagle National Bank : Unable to reverse transfer, XXXX must refund money. 
XXXX XXXX : Unable to pay B of A directly. Agreed to mail check for {$4000.00} to us, we in turn will pay B of A in full. Once completed, monthly payments from us to XXXX will resume, with interest on remaining balance starting at that time. 
Eagle National Bank : Upon receipt of payment in full, all interest and additional charges will be deleted. In the meantime, no statements will be sent or collection calls will be made to us, nor will our credit rating be affected. 
XX/XX/2015Bank XXXX : Call re : late payment. Repeated case to representative, again were reassured all charges would be dismissed upon receipt of payment in full, no black mark on credit. 
XXXX : XXXX XXXX : Received check from XXXX for the difference between the {$4000.00} B of A transfer and the amount due XXXX. Called XXXX and explained we wanted to pay B of A in full. They agreed to wire transfer full amount to our checking account within 7 days and instructed us to destroy the original check. 
Eagle National Bank : Called them to explain we would send payment in full when transfer from XXXX arrived, and attempted to resolve credit reporting dilemma. ( We had received a call stating we were going to be turned into a credit reporting agency if late payments were n't made. ) After 2 1/2 hours on the phone with various departments and representatives, it was determined the only way to avoid being turned in to a credit reporting agency was to pay {$250.00}, which would be refunded to us when full payment was made on this account. 
Observation : We have spent countless, frustrating hours on the phone in an attempt to resolve a situation ( unethical, and very possibly illegal ) initiated by Eagle National Bank. I believe this case has been resolved, providing B of A honors its promise to dismiss all interest charges and late fees, and does, in fact, refund the {$250.00} payment made by us to avoid being reported to a credit agency. There is not much more CFPB can do for us at this point, but I feel this agency should be made aware of such business practices being performed by a banking institution of this size and scope. 
",Older American,Consent provided,Web,2015-12-08,Closed with monetary relief,Yes,No,CR1688337,777
2015-12-08,Credit card,,APR or interest rate,,"XXXX/XXXX/15 I used a Bank America promo check - which was guaranteed no interest for a year. AT the end of XXXX the Statement showed that as I had paid over amt due - that my promo debt went from XXXX to XXXX. So far so good - then in XXXX I overpaid again - but instead of the promo debt going down or staying even it went up to XXXX. WHy? I called 18 times and told all kinds of reasons to be overcharged. Today a so called exec said they do not tell promo balance to members cause they do n't period. SO how is one to know a promo balance in order to make sure it is paid before APR interest collects. My contratc with them says I have 1 year but if they increase my debt each month it will NEVER be paid. 6 hours, XXXX phone calls, XXXX emails and NO assistance. It seems to me they want promo people to default to collect extra interest compounded backwards to make it worse. AT least tell me each month how the promo is going down or remaining the same not going up????? 
",,Consent provided,Web,2015-12-08,Closed with explanation,Yes,Yes,CR1688970,3954
2015-12-08,Bank account or service,Checking account,Deposits and withdrawals,,"I am writing to inform you of my suspicion that Eagle National Bank is using fraudulent/ deceptive business practices which allows them to collect nsf fees that are not rightfully owed. I 've tried to discuss this issue with Eagle National Bank several times and they are not willing to discuss this matter. I always check my account before I go to sleep and wake up the next morning. Yesterday I looked at my account and it said I was {$33.00} overdrawn as a result of a XXXX purchase I am on installment payments for. I screenshot the page. This was around XXXX. EN 's policy is that you will not be charged a fee if you deposit the negative funds the day the transaction is made. I deposited {$40.00} in my account on XXXX/XXXX/15 and had a {$3.00} balance after the XXXX purchase posted. Sometime during the overnight of XXXX, Eagle National Bank went into my account and changed the transaction date to show that the XXXX purchase was presented for payment on XXXX, which is a banking holiday as no transactions post on Sundays. In my screenshot, you will clearly see that the {$40.00} deposit was made the same date of the XXXX transaction. This morning I checked my account saw that Gas was presented for payment and that I was {$8.00} overdrawn. When I checked my account at lunch time on XXXX before going to the bank, Eagle National Bank changed the date of that transaction and charged me a total of XXXX overdraft fees. I am certain that Eagle National Bank is changing the dates payments are posted during the overnight while bank customers are sleeping so that they can charge NSF fees. By my estimations, I have spend over {$1000.00} in 2015 for this reason alone. I explained to the customer service rep that I did not overdraw my account and relied on my bank records to be accurate and I was basically called a liar in so many words. Please assist me as I am certain that there are many other customers who can not afford to continue giving a XXXX dollar industry more money as a result of their fraudulent practices. 
",,Consent provided,Web,2015-12-08,Closed with monetary relief,Yes,No,CR1688379,2381
2015-12-08,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-12-08,Closed with monetary relief,Yes,No,CR1687398,2292
2015-12-08,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-12-08,Closed with explanation,Yes,No,CR1687849,1980
2015-12-08,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-12-08,Closed with monetary relief,Yes,No,CR1687675,1980
2015-12-08,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,Consent not provided,Web,2015-12-08,Closed with explanation,Yes,Yes,CR1687210,1620
2015-12-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-12-08,Closed with explanation,Yes,No,CR1687669,9
2015-12-07,Bank account or service,Checking account,Deposits and withdrawals,,"Deposited check from XXXX to Eagle National Bank checking account. Eagle National Bank initially said it would clear all funds in 2 days. Used debit to pay after 2 days and was hit with {$35.00} fee for bounced check and another {$35.00} fee for being overdrawn. New update that same day from EN chat rep said that the check from XXXX XXXX was being held for 5 days for my protection. They lied upfront on the delay and then extendeded delay in depositing that money from XXXX XXXX to INTENTIONALLY incur fees. 
",,Consent provided,Web,2015-12-07,Closed with explanation,Yes,No,CR1685306,2785
2015-12-07,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a business account with Eagle National Bank on XXXX XXXX.I received a approval email on XXXX XXXX. I went in to make a deposit on XXXX XXXX and to my surprise my account was closed without reason. I never made any deposits, withdrawals or completed any debit card transaction. so now ill will have a ews "" account abuse entry '' on my report and it will damage my business reputation and make it very difficult to obtain a new business account. I would like a explination of why my account was closed for now apparent reason 
",,Consent provided,Web,2015-12-07,Closed with explanation,Yes,No,CR1686452,4335
2015-12-07,Bank account or service,Checking account,Deposits and withdrawals,,"I was contacted by Eagle National Bank on XXXX XXXX, 2015 asking me if i spent money at certain places. I told them i havent used that card in awhile. So they gave me the next steps to get my money back. I recieved a letter in the mail stating that they concluded that the charges were authorized. I called them to see exactly how they came to this conclusion because i didnt authorize any charges. They told me that since person who charged the card had my address and the security code from the back that they had the card in their possession. That was not possible because i had the card the whole time. I asked for the information from the company that i supposedly bought the items from. When I called said company a kid answered the phone and seemed very timid when i asked about the company and asked if it was a business. Not wanting to give to much information i hung up and called the bank back to tell them they obviously didnt research the fraudulent charge since I had come to the conclusion in 5 minutes that there wasnt a company by that name. They told me that the case had been closed and i was not getting my money back. I since then have filed a report with the police. This is a state issued card that is for child support. 
",,Consent provided,Web,2015-12-07,Closed with monetary relief,Yes,No,CR1685528,3204
2015-12-07,Bank account or service,Checking account,"Account opening, closing, or management",,"XX/XX/2012 I opened a Checking and Savings account at Eagle National Bank ( EN ). With this account I elected to get direct deposit from my payroll at XXXX XXXX. I own a XXXX using my XXXX. I go to the auction, find reasonable used cars, if any repairs need to be performed then I will get them done to quickly sell the vehicle. XX/XX/XXXX I was referred to by my sister that she had a friend and coworker who was in desperate need of a cheap vehicle. I meet the young lady twice before. She decided that she wanted to by a ford escort from me. Because of her relationship with my sister I took a check from her for payment. The check amount was n't even the full amount for the vehicle but I took it anyway because she was a friend of the Family. I went to the drive thru and deposited cash and that check I received from her. That night my payroll hit my account. Two days later I withdrew cash out of my account to pay bills. I also used the debit card to pay bills online. Almost 3 days later while on my way to work I attempted to buy gas with my debit card and it was declined several times. I then went to the ATM to find out that my transaction was also declined. I immediately contact EN customer service and then I was transferred to another department. Once I got someone on the phone they asked for pertinent information to identify me. The representative put me on hold for 2 to 3 minutes then came back to inform me that my accounts was closed due to the check I deposited. The funds were not available or the account was closed. I explained to the representative what happened, and who the person was that the check originated from. The representative then went on to explain that the account was too new and that EN had a right to cancel my accounts at their own discretion. She then told me that I should immediately STOP my direct deposit from coming to the accounts because I would n't have access to it. Because of EN closed the account the final balance reflected a negative balance because of the returned funds. I did n't find out about the negative balance until months later. It reflects that I owed EN {$130.00}. It was discovered while trying to open another bank account to handle my commerce. It has been 3 plus years and to my amazement after trying to open an account at XXXX XXXX, I was advised that my file ( XXXX ) contained information pertaining to the amount owed, and that I am in a SUSPECTED FRAUD STATUS!!!! I immediately contacted XXXX and disputed this information 3 separate times. I filed a dispute that reflected that a smaller balance of what they were reporting and of course, I in no way, shape or form defrauded them in anyway!! It 's over 3 years and I can not open an account ANYWHERE while having these Exaggerated Lies about the relationship with them. I contacted XXXX several times for them to just send back that the information contained in my file is correct ACCORDING TO EN, and that it will remain. I then contacted EN just to learn that the information they had was incomplete and Vague as well. After the conversation with EN they refuse to remove that negative information even though it did n't make any sense to the representative. Again, I want to buy a house, and would like to have a banking institution to handle my financial affairs. But EN blacklisting my name has hindered my ability to operate in normal fashion to our nation 's Infostructure. Everything I do pertaining to banking has to be performed through a prepaid debit card or cash. I believe that EN uses their influence to keep customers from operating in normal fashion because of funds owed to them. I Reiterated That in no way I owe them {$400.00} and definitely did n't or would n't FRAUD them out of anything. Please help me with getting this slander removed and bring me justice and closure to this nightmare. 
",,Consent provided,Web,2015-12-07,Closed with explanation,Yes,Yes,CR1686251,3935
2015-12-07,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-12-07,Closed with non-monetary relief,Yes,No,CR1685307,2854
2015-12-07,Credit card,,Rewards,,,,Consent not provided,Web,2015-12-10,Closed with explanation,Yes,Yes,CR1685098,916
2015-12-06,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Bureau of Consumer Finance ProtectionXXXX XXXX XXXX XXXX, DC XXXX, XXXX & XXXX credit reporting agenciesXXXX XXXX XXXX XXXX XXXX, XXXX . XXXX, MD XXXX : Eagle National Bank deceptive practicesDiscrimination against XXXX and XXXX personI had closed my account with Eagle National Bank because of deceptive practices and refusing me XXXX accommodations to reasonably modify their policies as I am a XXXX customer causing me undue hardship. In addition, I discovered that Eagle National Bank refuse to hire employees whose ethnicity is XXXX descent. In XXXX County, Maryland EN hires XXXX and focus only XXXX clients which causes a language barrier because their employees only speak XXXX and little XXXX. I discovered that Eagle National Bank been sued for discriminatory hiring practices against hiring persons in an XXXX descent ( See Appendix, EN lawsuits and hiring practices ). The month of XXXX 2015 I tried to make a deposit a check {$38.00} and cash at the Eagle National Bank in XXXX branch in XXXX County, MD. My cash got stuck at the drive thru ATM. The manager came out and snatch some of the money out and then I had to wait in the bank lobby for 1 hour and 30 minutes just obtain my money from the bank representative. Every EN employee was speaking in XXXX and as I witness that all the XXXX clients received special preferences. There after I received a letter from Eagle National Bank taking away my e-bill ( See Attached ). EN states that the e-bill is only for paying my credit card even though I paid other bills such as my life insurance policy through e-bill system in XXXX 2015 for {$24.00} ( See Attached ). Eagle National Bank also fabricated to XXXX that they closed my credit card account however on XXXX/XXXX/2015 I requested the credit card account to be closed ( See Attached EN online chat ). 
Eagle National Bank I have a good payment history demonstrates that I pay Eagle National Bank credit card over the {$25.00} recurring monthly amount. However, the month of XXXX 2015 Eagle National Bank deceived my payment of {$40.00} when I went to EN payment center and the EN employee told me that I could I pay for XXXX 2015 which the receipt does demonstrate next month payment ( See Attached ) The month of XXXX XXXX 2015, I paid {$60.00}. XXXX XXXX, 2015 I paid {$50.00} and XXXX XXXX, 2015 I paid {$40.00}. My credit card was credited and paid {$170.00} in the month of XXXX 2015. My statements and this transaction demonstrates that I always pay over the monthly recurring credit card payments. 
XXXX XXXX and XXXX XXXX, both Consumer Advocates representing EN. They both demonstrated deceptive practices such as fabricating that EN automatic system do n't call me. I received harassing calls which Eagle National Bank consumer advocates denied that they called but their employee XXXX XXXX, online chat states that the EN automatic system did call me ( See Attachment ). 
Eagle National Bank deceived me as a loyal XXXX customer and accepted my {$40.00} at the EN banking center for the XXXX 2015 payment by their own employee. The employee at EN banking center in XXXX, MD accepted the XXXX 2015 payment early and gave me a receipt which states "" payment is for next month ''. I did inform the EN employee that I was XXXX and I should have been provided XXXX accommodations which includes reasonable policies and rules that should be modified because of my XXXX. However EN failed to provide specialized rules concerning customers with a XXXX, I paid XXXX bill two days earlysd. The XXXX 2015 receipt specify details "" next month payment '' and if EN employee accepted this payment knowingly that I had a XXXX the payment should 've been accepted. However, EN acted deceptive and discriminatory only to damage my credi 
",,Consent provided,Web,2015-12-06,Closed with non-monetary relief,Yes,Yes,CR1684853,2241
2015-12-06,Bank account or service,Checking account,"Account opening, closing, or management",,"I had XXXX Eagle National Bank checking and saving account. Someone compromised the second account I had and used it in a different state that i 've never even been to. They deposited a fake money order into my account, forging my signature and all. I got a call from letter from EN saying saying my accounts were closed due to fraud. I explained to them what happened and they said they were n't able to help me. I now have a fraud alert on checks system and owe EN money! This has all been very frustrating to me knowing someone stole my account info and the bank wo n't do anything to solve this issue. 
",,Consent provided,Web,2015-12-06,Closed with explanation,Yes,No,CR1684882,3533
2015-12-05,Bank account or service,Checking account,Using a debit or ATM card,,"I was making a transaction on XXXX using my Eagle National Bank debit card and the transaction never went through. Moreover, they sent me a text message saying there is an unusual activity and asked me to confirm if it was me making the transaction. I sent a reply back saying yes and also called them and informed the same. Regardless of all this, the next message from them is that the card has been blocked! 
When i called them again, they put me on hold for 33 min searching for questions to ask about authentication. Finally, they dont even ask the questions but simply ask me to walk in to a Eagle National Bank center with my ID proofs. I live in XXXX in Minnesota and there is no Eagle National Bank in a XXXX mile radius! I tried talking to the supervisor but she has been arrogant enough to even accept that there has been so much trouble caused and in return was rude enough to say thats how the organization works!! 
Now i just need to travel a XXXX miles for just trying to purchase something online.!! 
",,Consent provided,Web,2015-12-09,Closed with explanation,Yes,No,CR1684589,5860
2015-12-05,Bank account or service,Checking account,"Account opening, closing, or management",,"I was the victim of a scam six years ago for a large sum of money. I was sent fraudulent checks, which I was not aware of at the time, and my bank cashed those checks out to me even without the necessary funds to cover the checks. Thinking that this money was from a legitimate employer I cashed the checks and I sent the remaining money as they had asked. I was still in college at the time. Eagle National Bank closed my account and made me pay the money back through a debt collector. Worried that my credit and reputation was at stake, I setup payments and paid all the money back. Still any time that I try to open a new bank account, I am rejected even though I have good credit and no other complaints on my history besides this one incident. I am always told that I need to talk to the "" Risk Department. '' They then tell me that there is nothing they can do to remove my name off the alert and have me contact the XXXX ( XXXX ). When I call that companies customer service they tell me that there is nothing they can do and that Eagle National Bank is the company responsible for removing my name from the list. Thankfully, I was able to get an account with another bank by starting out with a very limited savings account and was allowed to have a checking account after we "" developed a relationship '' and I was put on a trust list with their bank. I can not even be added to my wife 's Eagle National Bank account due to this issue. My credit score is really good and we are looking to buy a house soon. My loan specialist really wants both of our names on our bank accounts. Because this has been such a hassle, my wife is probably going to have to close her account with Eagle National Bank and put all of her savings into my account with my bank ; therefore creating more work for her. My wife 's account is where the majority of our financial savings lies and we need to be able to show that for the home loan we are applying for. I do not understand why I am not able to be cleared even after I have paid all of the amount of the scam off. Though bank error was also a fault in the issue, I paid all of the Claim amount to the debt collector by XXXX of 2012 in order to try to reestablish my reputation. 
",,Consent provided,Web,2015-12-05,Closed with non-monetary relief,Yes,No,CR1684684,559
2015-12-05,Bank account or service,Checking account,Deposits and withdrawals,,"I was wrongfully charged overdraft fees 
",,Consent provided,Web,2015-12-08,Closed with monetary relief,Yes,No,CR1684722,3156
2015-12-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"several slandering, tricks, and false information, i am very satisfied with bank just some of the employees are moving side ways doing improper actions or statements like in the claims department, or the merchant services reps not showing for appointments, asking some bankers for business bankers and saying none are available and then one accepts me right away. from the bank enough is enough. and before they stated there were no fraud alerts or security and now there is. i love Eagle National Bank but some of these need to adjust. adding fees to credit cards that are not due. 
",,Consent provided,Web,2015-12-05,Closed with explanation,Yes,No,CR1684474,4100
2015-12-05,Credit card,,Closing/Cancelling account,,"I thought this issue was resolved. I cancelled my credit card with Eagle National Bank, but they soon sent me another one ending in XXXX. I did not request it or activate it. Instead I cut it up and discarded it. Yesterday, I got an unsigned letter from Eagle National Bank telling me they reduced my credit rating, issued me a credit line of {$500.00} due to delinquency on an account or payments on an account that were insufficient. The problem here is that I have NO active account with Eagle National Bank. I have none of their credit cards, no loans, no debt whatsoever. I feel I 'm being harassed and punished for NOT activating their unrequested credit card. 
How do I restore my good credit and get Eagle National Bank to leave me alone? 
",Older American,Consent provided,Web,2015-12-29,Closed with monetary relief,Yes,No,CR1684708,1173
2015-12-05,Credit card,,Delinquent account,,"My husband passed away in XX/XX/XXXX. I just learned that there was a credit card in my name and he it closed in XX/XX/XXXX or XXXX. I never received any information that this card was past due, or that I owed anything on it. We lost our business, he was ill and passed away in XX/XX/XXXX. We were waiting for the VA to help out and he never received a XXXX. I had to sell my house at a huge loss after he passed away and manage to pay off the mortgage and other debt. Now I am trying to get a small mortgage and there is a XXXX write off on my credit report. I called them and they said they wrote it off and that I did n't owe on it. I did n't receive a XXXX but they soon sent me XXXX ( XXXX actually ) very promptly. I do n't understand why in four years I did n't know about this. I ca n't find any statements about this account and have been at the same address ( after I sold my home- my mother 's home ) and had the same phone number, so I feel there should have been some communication to me that I owed on this. Now I have to pay taxes on this, but with our business loss, not sure how much that will be. Now it will be on my credit report for 7 years. They have n't contacted me in 4 years, will I still owe this amount and can I get it resolved. It is showing up on my credit report that I am paying $ XXXX a month on this and I did n't even know about it. There is no way a lender will give me a loan and it really messes up my credit I have worked so hard in the past 4 years to resolve. He was a vet and some issues, but this is very hard for me to deal with and he is n't here to tell me what went on. They just wrote it off in XXXX according to my credit report, but I was talking to them in XXXX or XXXX about this. 
","Older American, Servicemember",Consent provided,Web,2015-12-05,Closed with explanation,Yes,Yes,CR1684737,511
2015-12-04,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank Charge me 3 times XXXX OVERDRAFT ITEM FEE FOR ACTIVITY OF XX/XX/XXXX ELECTRONIC TRANSACTION POSTING. Activity they said I done it, and they are right but their online web side redirect my transaction from my external bank "" XXXX XXXX '' to Eagle National Bank checking account, account with no available money and charging me. Transaction I done many times with out problem. Something was happening ... XXXX XXXX "" phone support '' help me fix the problem, telling me she experience the same problem before with her personal account, then she asked me to logout and fixed the problem, then asking me to login again. Then Manager XXXX XXXX said, nothing can be done with OVERDRAFT ITEM FEE, it was my fault for not fixing the problem before, when the first incident happens. I try to explain to XXXX several times and she tried to explain to again to XXXX XXXX her supervisor. indeed I when to local bank and ask for help, they forgive XXXX fee and not the other XXXX and they never inform me about the real problem and how to fix the problem or even contact online banking, until the XXXX time, they even shared the online banking phone number with me. Feeling sad and very disappointment with Eagle National Bank. 
",,Consent provided,Web,2015-12-04,Closed with monetary relief,Yes,No,CR1683962,1815
2015-12-04,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited a check from my old company 's benefits program for XXXX at Eagle National Bank on XXXX XXXX, 2015 to find out that the receipt says : Available Now : $ XXXXAvailable Balance : $ XXXXHold notice has been placed on your depositTotal amount delayed $ XXXXFunds Availability on XXXX XXXX, 2015 by XXXXReason : A hold was placed on your deposit because the account had multiple overdrafts inthe last six months. 
I can not AFFORD to wait another 11 days, because I have been out of work all year, and my bills are BEYOND being backed up now.I am almost homeless. 
CAN I WITHDRAW this money and just go somewhere else? 
",,Consent provided,Web,2015-12-04,Closed with explanation,Yes,No,CR1682991,1644
2015-12-04,Bank account or service,Checking account,"Account opening, closing, or management",,"I had a checking account with Eagle National Bank that had been in dormantstatus for a number of years. My balance on the account had been close t {$0.00}. Without warning, they imposed a Monthly service fee of {$25.00}. 
I did not notice this until after the 3rd month where my current balancehad shown roughly - {$75.00} ( Negative {$75.00} ). I went to the bank and theywere unable to remove this. I closed out the account and it still showsa balance of - {$74.00} ( Negative {$74.00} ). 
I am asking for Eagle National Bank to XXXX out my account at no costto me 
",,Consent provided,Web,2015-12-04,Closed with monetary relief,Yes,No,CR1683796,4342
2015-12-04,Bank account or service,Checking account,"Account opening, closing, or management",,"I have been banking with Eagle National Bank for over 7 years. On XXXX/XXXX/15, I had full access to all of my accounts and my online banking information. On XXXX/XXXX/15, I attempted to use my debit card and it was declined ; this was a shock, especially since I knew that I had sufficient funds in my accounts. I attempted to log into my online banking and was denied access. When I contacted EN, I was told that my accounts had been frozen and were in the process of being cancelled. When asked why, I was told "" It was a business decision to terminate the banking relationship and we are not obligated to provide a reason why. '' I phoned EN numerous times as well as visited the local branch, and each time I was not provided answers. I was treated like a criminal whenever I attempted to find out what was going on. My employer and their banking company were unable to back out a direct deposit on XXXX/XXXX/15. On XXXX/XXXX/15, I obtained letters from EN stating, "" We 've closed your account above and any remaining balance wo n't be returned to you. '' There was still no reason provided. I am not delinquent with the IRS or student loans. All of my deposits are issued through the counseling agency I work for. There are no reported fraudulent or suspicious activity. I have yet to receive my money and have accrued penalty fees from organizations who have attempted to pull from my accounts as well as from the checks I wrote before knowing that my accounts had been frozen. 
",,Consent provided,Web,2015-12-04,Closed with explanation,Yes,Yes,CR1683748,3412
2015-12-04,Credit card,,Other fee,,"Hi, I had a balance transfer off from Eagle National Bank, and the promotion ended around XXXX / XXXX. I called into customer customer back in XXXX, and I was informed by a Eagle National Bank associate that as long as I pay my credit card bill in full on the due date in XXXX, and I would have avoided any interest fees. I then scheduled a full payment for XXXX. 

I called after the payment was made in XXXX, just to make sure that the account has been paid off in full and that I do n't owe anything. However, the second representative then told me that I would be charged interest fees, because the promotion has already ended back in XXXX. He went through the notes of my last conversation with the previous representative, and then offered to have the interest fees waived. However, he said I have to call back in 3 days after the statement is posted, because he can not waive a fee that has yet to be charged. 

So I called back in 3 days, and I spoke to another representative. He went through the notes of the conversations with the past XXXX representatives, and then said the interest fee would be waived in 2-3 days once it is processed, and that my balance will be XXXX, and I do not have to worry about anything else. 

However, it has been almost a month since then, and when I logged into Eagle National Bank website just to double check, I noticed that the interest charge of {$140.00} is still on the account, and that payment was due in 3 days for that amount. If I had not checked out of precaution, I would have been charged a late fee and had my credit history adversely affected, on top of additional interest fees on this interest charge. 

I called Eagle National Bank again, and the last representative said she could not do anything about it other than to file another request. I spoke to a manager eventually, and she refused to review it and insisted that the fee is the final determination, and that the only way for me to resolve the issue is to pay the interest fee. 

I have been given different and very misleading information time after time by Eagle National Bank. This is very shady. Had the first representative that I spoke to told me about the correct date to pay in order to avoid interests, I would have scheduled the payment for that date. I have had the balance in my checking account ready to pay it off since XXXX, but I figured I could wait till end of the promotion. However, I am now led to believe that Eagle National Bank had intentionally given me wrong information just so that they are able to charge me interest fees. 
I hope that this complaint will be able to help me address this injustice. 

Thank you so much. 
",,Consent provided,Web,2015-12-04,Closed with monetary relief,Yes,No,CR1683070,4585
2015-12-04,Credit card,,Delinquent account,,"I had XXXX different accounts with Eagle National Bank ; credit cards, a mortgage, etc. Many were paid off and closed naturally. XXXX of the cards were placed in a payment plan as part of a settlement. The settlement was paid off and the accounts were closed. Eagle National Bank was supposed to mark those accounts closed and paid. They only did this with XXXX card. After several disputes with them, they finally fixed it. I have been constantly contacting them as well as via the bureaus to correct the other card which was part of the settlement and they up until now have refused and continue reporting this on my credit report as an outstanding and open debt. Finally, the credit bureau ( XXXX ) told me that if I wanted to obtain the copy of the proof BOFA is claiming that I have to contact Eagle National Bank directly. I have contacted them and spoken to many representatives including management and up until now, they have yet to come up with or show me any proof that this debt actually exists and/or is still outstanding. Meanwhile, they have definitely hurt my credit by constantly reporting the false information to the credit bureau. I have had XXXX accounts with them and all accounts but XXXX state paid in full but this XXXX. 
",,Consent provided,Web,2015-12-04,Closed with explanation,Yes,No,CR1683749,2143
2015-12-04,Credit card,,Transaction issue,,"I have ( XXXX ) 0 % with ( XXXX ) different date that they mixed up and now send statements with the ( new one ) due on XX/XX/XXXX. Should be XX/XX/XXXX. They are telling me their ability to correct this is not possible because they have a problem with their ( system ). They only tell me this on the ( phone ) and will not send me a letter acknowledging their error. They do not print the amount next to the promotional offer ID on their statements. ALL OTHER CREDIT CARD COMPANIES DO. 
",Older American,Consent provided,Web,2015-12-04,Closed with non-monetary relief,Yes,No,CR1682897,3697
2015-12-04,Credit card,,Billing disputes,,"I have had issues with my account balances with Eagle National Bank related to issues of reported Identity theft. This has caused my balances to be improperly doubled and as a result the accounts I possess are locked out. 
Attempts to contact Eagle National Bank in writing to resolve this issue are fruitless and I would like this office to assist me in getting my accounts unlocked =and corrected so I can restart my business life over again 
",,Consent provided,Web,2015-12-04,Closed,Yes,No,CR1683347,5642
2015-12-04,Credit card,,Identity theft / Fraud / Embezzlement,,"On XXXX/XXXX/2015 I submitted a consumer dispute to XXXX requesting them to conduct a reasonable investigation regarding a Eagle National Bank credit card ( see attached ) account that appears on my credit file. I faxed ( see attached ) a copy of a police report with the dispute.. I am a victim of ID Theft. On XXXX/XXXX/2015, two ( 2 ) days later, I received the results of XXXX "" reasonable investigation '' ( see attached ). I specifically stated on my dispute that I was a victim of ID theft to XXXX. If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) 
",,Consent provided,Web,2015-12-04,Closed with explanation,Yes,No,CR1684271,5760
2015-12-04,Bank account or service,Checking account,"Account opening, closing, or management",,"XX/XX/XXXX I opened up a joint Eagle National Bank account ( with my mother ) for use while I was studying abroad. XX/XX/XXXX I took out the balance from the bank account, walked into Eagle National Bank and asked to close my account. The teller led my mother and I to a banker who reviewed the account information, and said that we do not have to do anything else but 'cut up our debit cards and discard them '. Since there was a XXXX balance on the account, he will close it. After that date, I would receive statements from Eagle National Bank. After contacting them several times, I was told that they are unaware of why I am receiving statements since there was a XXXX balance and I closed my account. I walked into the Eagle National Bank on XXXX XXXX and XXXX XXXX in XXXX and asked to speak to a Banker to handle this issue. The Banker could not find my account information and said that it was closed. At which point I asked to speak to a supervisor. The supervisor was not present and I was told he will reach out to me after I provided my information. I stopped receiving statements and assumed that the issue was handled. At the time I was in college and was aware that I should documented this situation with more rigor. 

Today my husband and I decided to apply for a mortgage and after checking my credit history, I was told that my score is XXXX because I have {$41.00} outstanding as part of collections on that account. The {$41.00} is related to overdraft fees because I had no money in the account ( when the bank account required a balance at all times ). I have never received notice of collections related to this account. Furthermore, I have done everything in my power to close the through Eagle National Bank and was misinformed throughout the entire process. This has now wrongfully affected my credit score and I was mistreated as a consumer. I am a working individual with XXXX debt, but I refuse to pay the {$41.00} as it was wrongfully incurred and should be removed completely from my credit history. 
",,Consent provided,Web,2015-12-08,Closed with monetary relief,Yes,No,CR1683385,1619
2015-12-04,Credit card,,Credit determination,,"On XXXX XXXX, I saw a TV sale at Target. I have a Target Credit Card and knew my limit was {$4800.00}. When I tried to purchase a {$840.00} TV online, I was denied. I called Target and was told my limit now was {$200.00}. The Customer Service Person told me that in XXXX 2015 my limit was reduced to {$2000.00} and in XXXX it was again reduced to {$200.00}. The reason for this reduction according to Customer Service was that I had not used the card in at least 9 months. He told me it was not my Credit Score and in 70 days they would review the limit again. However, I needed the TV now. 
The reason of my complaint was that Target never informed me when they reduced my limit not once but XXXX. I even expressed this complaint to Target 's XXXX department. 
",,Consent provided,Web,2015-12-04,Closed with explanation,Yes,Yes,CR1683908,46
2015-12-04,Credit card,,Late fee,,,,Consent not provided,Web,2015-12-04,Closed with explanation,Yes,No,CR1682876,3233
2015-12-04,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-12-04,Closed with explanation,Yes,Yes,CR1683777,2547
2015-12-04,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2015-12-04,Closed with explanation,Yes,Yes,CR1683144,2016
2015-12-04,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,Consent not provided,Web,2015-12-04,Closed with explanation,Yes,No,CR1683002,3205
2015-12-04,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-12-04,Closed with monetary relief,Yes,No,CR1683979,3556
2015-12-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I have XXXX issues with Eagle National Bank. I have my main checking account with them, and I use that checking account to pay all my credit card payments, and I have over a dozen active cards with NEVER EVER ANY MISSED OR LATE PAYMENTS. I log on once a week to all my accounts to verify the balances, and after I make my monthly payments, I WRITE DOWN THE AMOUNT AND DATE. Unfortunately, BofA has an app that does n't give any details about accounts such as statements, no means to email the bank either, and the website is n't any better as from the dozens of institutions I deal with online, BofA is the ONLY ONE NOT TO GIVE YOU A "" FULL SITE OPTION ''. 

I also have a credit card account at BofA, so instead of payments, I do a transfer from my checking account to my credit card account, and the transfer gets credited as a payment ( I have been doing it for 10 years with XXXX problem during the transfer about 8 years ago when I still lived in Nevada ). 

On XXXX XXXX, 2015, I logged on to my BofA app, and I made a transfer of {$30.00} from my checking to my credit card account. The app crashed shortly after that while I was scrolling through my checking account transactions, and when I tried logging back on, it asked me to update the app, stating I had an old version ( I was using a different wifi phone ). You may be in an emergency with a slow connection, and they will NOT LET YOU ONLINE UNLESS YOU DOWNLOAD THE NEW VERSION, which would have taken me quite a while on a XXXX connection, so I did n't as I did n't have half an hour to waste and that was it. I doubt they suddenly had an app update right while I was using the app but who knows. Unlike my other cards, I check BofA maybe 3 times a month as I would rather not use that app, and it 's usually early in the month ( I get about a {$3000.00} inbound transfer at the beginning of every month from the rental for my houses, and that I verify the first week of the month ), and then to make my transfer and then maybe one more time. 

I logged on yesterday to make my payment, and it showed me as having MISSED A PAYMENT for XXXX. There is no indication that I made the transfer even though I HAVE IT WRITTEN DOWN AS PAID AFTER MAKING THE TRANSFER ( I am neither stupid nor senile not to know when I make a payment ). In the meanwhile, I did NOT get a single notice or call about having missed a payment either, so it was a bit of a surprise. However, BofA keeps logs of when their customers log on, and what pages they go to when they are online, so it should n't be a problem to check the logs for XXXX XXXX to see that I was on the transfer page. Whether the site had problems, or whether it was the app, that is not my problem, I made my regular payment as I have been for the past 10 years or so, so I would like that transfer to be honored. If not, I am going to be closing my account as I am about done, and it would be a good opportunity to never use that app again. 

The other issue is that I have a yearly fee for my credit card in the amount of {$29.00} which is charged in XXXX to my account. I went through 6 months of statements to see if there were other payment issues with the app, and I noticed that I was being charged 29.59 % interest on the MANDATORY BANK FEE which showed AS A PURCHASE. It may not be much to pay 29.59 % interest on {$29.00} dollars but the fact of the matter is that the {$29.00} balance is a bank forced fee, and it is NOT a purchase. So why should I even pay any interest on {$29.00}? Plus, are n't banks supposed to credit your payments towards higher interest balances first? If it is so, the fee was charged in XXXX, and my next payment of {$30.00} should have paid the whole thing off, not to mention I had XXXX more payments after that ( XXXX if the "" missing one '' does n't count ). Either way, if they do that to a few XXXX customers, they are suddenly earning XXXX of XXXX of UNJUST INTEREST, and I have an issue with that. 
",,Consent provided,Web,2015-12-03,Closed with monetary relief,Yes,No,CR1682404,1822
2015-12-03,Credit card,,Other,,"I have had a XXXX Credit Card for a couple of years and up until last month looked at balance etc online each month. This month I was unable to access it, Rang the XXXX and they said it was now MBNA - all they could give me was a phone number no other information. I rang the number and got an automated voice who could n't put me through to anyone to talk about it. I have NOT been notified of this change, I do n't know if my monthly payment has been made, what my balance is or how to access the information. I am totally at a loss as to what to do as I am unable to speak to anyone. 
",,Consent provided,Web,2015-12-08,Closed with explanation,Yes,No,CR1681532,829
2015-12-03,Credit card,,Customer service / Customer relations,,"I received a letter from Target redcard. It asks me to activate my new card. I never received a new card and I have been trying for over an hour to get thru to them. ..and I do n't have the mins to sit and go thru the horrible automated system to report this missing card. I do not want to use the website and I have been trying to get thru to customer service and it just says I do n't recognize. I have a small balance on this card ... .wherever it is. I would like to make sure there are no fraudulent charges and let them know this new card is missing. I obviously do n't have the new card number but I listed the old one in this complaint. And why is it I have to wait for what feels like days to fix this issue. I cant read the numbers on the back of the card the font is so small ... and the letter asking me to activate my new card ( which I do n't have ) has a phone number that is ridiculously hard to see or navigate within.. I do n't want to sign into the site online. I want to talk to a person. There is n't even a date on this letter. As far as the amount lost?. I do n't know if someone has used it or not. I do n't have the card number. So stupid. Please help. I am tired of helping XXXX make money cuz I have to call some customer service line and hold and hold forever. ( this happens with many of the companies I deal with ) 
",,Consent provided,Web,2015-12-03,Closed with non-monetary relief,Yes,No,CR1680962,4498
2015-12-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Other,Web,2015-12-03,Closed with explanation,Yes,Yes,CR1682543,2982
2015-12-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-12-07,Closed with explanation,Yes,No,CR1681149,4798
2015-12-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-12-03,Closed with explanation,Yes,No,CR1682114,4749
2015-12-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am the Trustee for the estate of my aunt and sole heir for the joint-account holder of a safe deposit box. Both died 7 and 8 years ago. For 8 years Eagle National Bank in California Eagle National Bank withheld the existence of a safe deposit box from me, despite they were officially notified of her passing by affidavit in 2007, and only notified us this year AFTER they drilled it open and provided us an inventory which showed cash, legal docs, XXXX insurance policies, and other valuables. 

The inventory was conducted by Bank employees who failed to sign the Inventory, as required by law. All signatures were left blank. We believe they stole the contents and only sent this notice because they did not expect for anyone to be living at the same address as the box owner 8 years later. 

In good faith, the successor beneficiary of the Trust estate of Georgia XXXX, XXXX XXXX XXXX, had attempted to gain access to the contents by following instructions provided by EN. He provided them with all documentation they requested ; they simply gave him the runaround for several months, were very disrespectful to him, even insinuated he had a fraudulent death certificate. 

As Trustee, I 'm shocked that my family has been deprived of the insurance policies for over 8 years. The assistance from EN to XXXX XXXX has been very rude, condescending and downright evasive and racist. 

There have been numerous versions of the 'whereabouts '' of the contents ; first everything was okay and he was given an appointment to come in, then they could n't find the box, then they could n't find the contents, then they found the contents, then the contents were with the state of XXXX , when challenged, the contents were at the enterprise estate unit. Finally they advised him to contact me. Which is what they should have done from the beginning if they deemed he was n't entitled to the contents, or they should have contacted me. I 've was notified by XXXX XXXX that XXXX XXXX of EN advised him they would not contact me. 

I spoke with the probate court in XXXX XXXX and they advised me, as the Trustee to the estate of the main box holder and sole heir to the joint box holder, to complete a small estate affidavit. In my cover letter and affidavit to EN, I have requested they deliver the contents to a local bank in XXXX XXXX for the beneficiary to pick them up personally on my behalf upon presentment of a state ID. Today, we were notified by XXXX XXXX that the contents will be mailed or delivered to me in XXXX instead. Upon providing the contents to a third party for delivery, EN "" will no longer be liable '' for the package or the contents and we will "" never '' be able to confirm what was in it the package and not in it. Under the circumstances, the evasiveness, the unprofessionalism and the 8 year delay, I do not trust the integrity of EN employees or the process. 

I DO NOT WANT CASH AND IRREPLACEABLE LEGAL DOCUMENTS AND INSURANCE POLICIES DOCUMENTS MAILED, NOR DO I WANT TO TRAVEL TO CALIFORNIA TO PICK THEM UP TO SIMPLY HAND THEM TO THE BENEFICIARY ; PERSONALLY I DO N'T BELIEVE AFTER SPENDING THOUSANDS TO TRAVEL TO CALIFORNIA THERE WILL BE ANYTHING THERE. 

ONCE AGAIN, EN IS REFUSING TO PROVIDE INSTRUCTION ON "" WHAT IS NEEDED '' TO ALLOW THE BENEFICIARY TO PICK UP THE CONTENTS IN LONG BEACH. WE BELIEVE THE MONEY HAS BEEN STOLEN WHICH IS WHY THEY ARE BEING SO EVASIVE. IF THAT HAS OCCURED, THEY SHOULD JUST REPLACE THE CASH AND TURN OVER THE CONTENTS. 

PLEASE HELP, MY FAMILY IS URGENTLY WAITING ON GETTING THOSE INSURANCE POLICIES. 
",Older American,Consent provided,Web,2015-12-02,Closed with explanation,Yes,No,CR1681089,435
2015-12-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I applied for a job with Eagle National Bank in XX/XX/XXXX and was asked to complete a background check prior to the company making an offer. I agreed to the background check and was notified after approximately 3 days that Eagle National Bank would not be moving forward with me as a candidate due to the results of the initial background check. I contacted the companies listed in the disclosure provided by Eagle National Bank and both companies indicated that they had not received a request for a background check for me from B of A. I have contacted the recruiter and the corporate security department on four separate occasions by email ( 3 times ) and by phone requesting either : 1. a copy of the background check results or 2. The name of the organization to contact regarding the background check results. It has been approximately 4 weeks since I agreed to the background check and I have been unable to obtain a response from B of A. I would like to have a copy of the report on which they based their decision so that I can dispute any erroneous information if appropriate. 
",,Consent provided,Web,2015-12-02,Closed with explanation,Yes,No,CR1680606,2523
2015-12-02,Credit card,,Identity theft / Fraud / Embezzlement,,"I am a victim of identity theft. In XXXX 2015 some one opened credit cards with Eagle National Bank and XXXX XXXX in my name. I came to know about this only in XXXX 2015. They left a high balance of {$15000.00} with the EN credit card and another of around {$5000.00} with XXXX XXXX card. I came to know of this only in XX/XX/XXXX from a credit report alert. 

The banks are holding me responsible for the balance on these cards even though I have nothing to do with the credit cards. 
",,Consent provided,Web,2015-12-02,Closed with explanation,Yes,Yes,CR1679190,6366
2015-12-02,Credit card,,Other,,,,Consent not provided,Web,2015-12-07,Closed with explanation,Yes,No,CR1679044,288
2015-12-02,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-12-02,Closed with explanation,Yes,Yes,CR1679651,3280
2015-12-02,Credit card,,Other,,,,Consent not provided,Web,2015-12-11,Closed with explanation,Yes,No,CR1679043,1657
2015-12-02,Credit card,,Payoff process,,,,Consent not provided,Web,2015-12-02,Closed with explanation,Yes,No,CR1680269,211
2015-12-02,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,Consent not provided,Web,2015-12-02,Closed with monetary relief,Yes,No,CR1680483,2972
2015-12-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-12-02,Closed with explanation,Yes,No,CR1679249,2453
2015-12-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank is reporting debt balance as due on credit report after XXXX was issued discharging the debt. 

I lost my house to a XX/XX/XXXX foreclosure with XXXX during the foreclosure mismanagement and mortgage practices documented by State and Federal investigations ( XX/XX/XXXX National Mortgage Settlement ). Prior to the foreclosure I opened a line of credit with Eagle National Bank ( EN ) in XX/XX/XXXX for house repairs and modifications. I became financially unable to continue the payments after the foreclosure for the EN line of credit debt and the account was charged off in XX/XX/XXXX. 

In tax year XX/XX/XXXX, EN issued a Form XXXX ( cancellation of debt ) in XX/XX/XXXX discharging the credit debt. I consulted my tax advisor and filed the XXXX with my XX/XX/XXXX taxes. I reviewed my credit report XX/XX/XXXX and EN has a balance due for the amount that was discharged. I contacted EN and was informed the amount is still due ( EN issued XXXX discharging the debt in XX/XX/XXXX ). 

I submitted disputes along with a copy of the XXXX to the XXXX credit reporting agencies ( part of my dispute was the account is not a charge off but a discharge based on the issued XXXX ). XXXX was the only agency that did not report the balance. Fast forward to XX/XX/XXXX and I reviewed my credit report again which still reflects a balance for the discharged debt with the XXXX credit reporting agencies. I contacted EN and was informed that they will not remove the balance to reflect XXXX ( EN issued XXXX discharging the debt in XX/XX/XXXX ). 

I was advised by another entity to submit a complaint to the CFPB for assistance with EN to reflect XXXX on my credit report after a XXXX was issued discharging the debt. I plan on submitting a second dispute letter to XXXX and XXXX XXXX within the next XXXX hours. I am a XXXX Veteran and did not use my VA loan to purchase the house that foreclosed in XX/XX/XXXX. Thank you. 
",,Consent provided,Web,2015-12-02,Closed with explanation,Yes,Yes,CR1677261,13912
2015-12-01,Bank account or service,Checking account,"Account opening, closing, or management",,"My sister and I have banked with Eagle National Bank for more than 5 years. We have never missed a payment, over drafted, or wrote any fraudulent checks when XXXX XXXX, 2015 they froze both of our accounts without sending us a letter or notification online. When we phoned them to find out what 's going on they told us both in person and on the phone it was a business decision and that they did n't have to give a reason for freezing our accounts. We 've sent in requests to have our funds released to us but all of them have been denied. We just got a letter in the mail stating the number of our accounts they have frozen along with saying they wo n't be returning any available funds. This has never happened to us before as we have never done anything for them to just freeze our accounts without telling us let alone not giving us reason why they wo n't release our money. While it was inconvenient to do this before the holiday 's and upcoming bills, now all we want is our money back then we will never do business with them again. 
",,Consent provided,Web,2015-12-01,Closed with explanation,Yes,No,CR1677178,2050
2015-12-01,Credit card,,Payoff process,,"Eagle National Bank is not applying my payments that are over the minimum required payment to the highest rate balances. 
",,Consent provided,Web,2015-12-01,Closed with explanation,Yes,No,CR1678032,3965
2015-12-01,Credit card,,Billing disputes,,"I had set up an electronic payment for my target credit card bill. Target never submitted the payment to my bank. They sent me a notice that the account or routing number I had entered was incorrect or that the account did not exist. The account did exist and was in good standing. I contacted target in response to their letter saying that they could n't process the online payment. The representative I spoke to was unable to take my account or routing number and gave me XXXX pieces of misinformation ( documented in my letter to target attached here with ) I subsequently spoke to XXXX other representatives XXXX of whom said she was documenting my complaint. She failed to inform me that if I had a complaint it needed to be submitted in writing. I closed my account having paid for all merchandise. I did not pay the {$25.00} fee. I submitted a complaint in writing which was rejected saying that Target could not have prevented the error. 
I have never encountered an online payment system that would accept a incorrect routing or account number. If target system does accept incorrect numbers, it seems that it would be creating problems for many customers besides myself. It is difficult to enter XXXX numbers without occasionally making an error. Every other system that I have worked with has immediately rejected the information if there was an numerical error. Since Target closed my dispute they have been billing A late payment fee every month and some months they have also charged me interest. They also sent my account for collection and when I wrote to the collection agency to document the dispute I started receiving phone calls from another collection agency. Meanwhile my closed account was in XXXX billed at {$230.00} with a {$35.00} increase each month. 
There seems to be no way to stop the continued accumulation of fees. 
",Older American,Consent provided,Web,2015-12-01,Closed with monetary relief,Yes,No,CR1676987,1815
2015-12-01,Credit card,,Late fee,,,Older American,Consent not provided,Web,2015-12-01,Closed with explanation,Yes,No,CR1678367,2949
2015-12-01,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-12-01,Closed with explanation,Yes,No,CR1677188,2674
2015-12-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-12-01,Closed with monetary relief,Yes,No,CR1677470,80
2015-11-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I would like to raise a new issue : Eagle National Bank abused their discretion by slashing my credit line by 80 %, while at the same time denying my request for a credit line increase AND a refund for the payment made. My credit score did not go down ; in fact to this day it has increased XXXX points from XXXX to XXXX, as of XXXX/XXXX/2015 ( Source : XXXX ). 
The payment made ( approximately $ XXXX ) was done in good faith, despite being a clerical error, that my credit line would remain intact with the Bank . Even though I meant to transfer merely the bare minimum, about ten percent of what I ended up making, nevertheless either way the payment was done bona fide ; and for the bank to slash my line of credit ; without underpaying or missing a payment ; and without due notice and an opportunity to be heard breaches both the Credit Card Agreement and the Credit Card Accountability, Responsibility and Disclosure Act. 
The articles I am providing below raise issues with Eagle National Bank that are wide-ranging ; affecting consumers like me on a colossal scale : Moreover, I am providing additional information to prove the scope and extent of consumers ' grievances against Eagle National Bank is becoming great and far-reaching. 
Source -- -XXXX : XXXX : XXXX : XXXX/I respectfully appeal the Bank 's decision and ask the CFPB and their Ombudsman 's Office to try to work with the Bank in recovering my funds. 

Additional information is provided upon request. 
Thank you for your help, consideration and moral support. 

Yours Truly, XXXX XXXX 
",,Consent provided,Web,2015-12-04,Closed,Yes,Yes,CR1676624,4284
2015-11-30,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"We have a credit card from Eagle National Bank and was signed up for automatic payment. I cancelled automatic payment in XXXX 2015 after our checking account was debited twice after I made a payment. The extra money was returned to our checking. This month, {$520.00} was removed from our checking account ( XXXX XXXX XXXX XXXX ) and applied to our credit card. After making a complaint, Eagle National Bank stated they would credit our checking account on XXXX XXXX, 2015. This did not happen. After phoning Eagle National Bank today, the lady I talked to said that the money was credited back to the credit card account. I told her that was totally wrong. How can Eagle National Bank take {$520.00} out of my checking account to credit the credit card account ... then removed that {$520.00} and again credit it to the credit card account. Totally makes no sense whatsoever. Eagle National Bank states they will research the problem which will take at least seven to ten business days. This is unacceptable. 
",Older American,Consent provided,Web,2015-11-30,Closed with explanation,Yes,No,CR1675033,5334
2015-11-30,Credit card,,Identity theft / Fraud / Embezzlement,,"Eagle National Bank did not send me an XXXX statement. As a result they could charge me a late fee for not paying on time and increasing my APR ( on my XXXX statement ). I have disputed this fraud practice multiple times but BAC refuses to address my concerns. 
",Older American,Consent provided,Web,2015-11-30,Closed with monetary relief,Yes,No,CR1676502,3365
2015-11-30,Credit card,,Other,,"I have been paying down my Eagle National Bank credit card for over one year and have not used it. The interest charge amount keeps going up instead of down even though my balance total amount goes down.The interest rate has been 19.99 % for quite a long time and has not changed. I am trying to pay it off and it seems that there is an error in their calculations. I have spoken with numerous representatives and they keep giving me the run around. 
Please help me resolve this matter, as it seems impossible to deal with this company. 
",Older American,Consent provided,Web,2015-11-30,Closed with non-monetary relief,Yes,No,CR1676143,2801
2015-11-30,Credit card,,Billing disputes,,"In XXXX of 2015 I closed my credit card account with Eagle National Bank. In XXXX of 2015, a company attempted to process an annual recurring charge of {$99.00} to the closed account. Eagle National Bank accepted this charge, even though the account had been closed for seven months, and then sent me a statement requiring payment. I immediately contacted Eagle National Bank to inquire why they accepted a charge on the account, even though the account was closed. Their response was that it is Eagle National Bank policy to accept recurring charges, regardless of whether an account is open or closed. 
I have made numerous calls to Eagle National Bank requesting that this charge be taken off of my account, due to the fact that the account was closed seven months prior to the charge being submitted. They have refused to remove the charge, and have taken the position that I am responsible for paying the {$99.00}. 
It is my contention that they should have never accepted any charge to an account that has been closed. They have been uncooperative with my attempts to rectify the situation, and I am requesting that your agency intervene to assist me with this matter. 
",,Consent provided,Web,2015-11-30,Closed with explanation,Yes,No,CR1675310,1719
2015-11-30,Credit card,,Arbitration,,"My wife and I went on a cruise to XXXX XXXX. We went into a retail jewelry store. We saw a XXXX XXXX White Gold Diamond Pendant. We told the sales people that my wife wanted a XXXX XXXX Yellow Gold Diamond Pendant. The sales people told us that they can make the White Gold Pendant Yellow Gold. We agreed. The sales man took the Pendant out of his store to another location. Almost XXXX hour later, he came back with a Yellow Gold Pendant. My wife and I were in a rush to get back to our ship and quickly inspected the Pendant. We did not know it at that time but the center diamond is damaged. When we got home to Florida, we took the Pendant to our personal jeweler for further inspection and appraisal. Our personal jeweler inspected the Pendant through a XXXX and discovered a compression crack in the center diamond and he refused to appraise the pendant because if it. I called the jeweler in XXXX XXXX. I explained my situation. I was told that "" XXXX '' was not in the store, that they would give him my message and that he would call me back. He never did. For almost two weeks, I called and asked for "" XXXX ''. "" XXXX '' was never available. The last time that I called the store, I threatened to initiate a dispute and arbitration with my credit card company. "" XXXX '' called me back. He is denying that the Pendant is damaged. He wanted me to mail it back to him at my expense. I refused to mail it back to him at my expense. I was afraid that I would not get it back. I then initiated a dispute and arbitration against him with Eagle National Bank. After all of my proof, a second opinion letter from my personal jeweler in Florida, and pages and pages of our rebuttals to this jewelers response to this dispute and arbitration, Eagle National Bank is refusing to help us anymore. They 've rebilled my credit card for the full amount of the purchase. My wife and I are literally stuck with a damaged Pendant. 
",,Consent provided,Web,2015-11-30,Closed with monetary relief,Yes,No,CR1674958,3578
2015-11-30,Credit card,,Credit card protection / Debt protection,,"Upon asking Eagle National Bank in 2012 why they stopped sending me a monthly invoice they informed me it 's due to the fact that both of my credit cards had been moved to a Chapter XXXX Bankruptcy folder. The problems with this are, XXXX of the cards was found to be fraudulent. Which Eagle National Bank took care of. The other is, I 've never filed bankruptcy. After bringing this to their attention I was told that all card accounts would be frozen until an internal investigation could be completed. I was to do nothing until I heard back from them. A lengthy amount of time passed and I did not hear back from Eagle National Bank. I contacted them about it and was told that no payments could be accepted because the legal dept. said the account could not be worked. Some more time passed and I received a credit report update that Eagle National Bank had charged off the account as failed collections and bad debt. No communication or collection attempts were ever attempted nor should they have been needed. Eagle National Bank simply needed to correct their error and reinstate my account. Which of course they have n't. I 've done nothing but follow their instructions. Yet, they continue to imply that this matter is somehow my fault. I have engaged the help of an attorney and after lots of stonewalling Eagle National Bank has acknowledged over the phone to myself as well as my attorney that this is a bank error. The legal dept. has opened the account to be worked and I 've started making payments but Eagle National Bank refuses to remove the account being charged off for XXXX months from my record. I need help resolving this as Eagle National Bank seems unwilling to do the right thing. 
",,Consent provided,Web,2015-11-30,Closed with explanation,Yes,No,CR1675329,3138
2015-11-30,Credit card,,Delinquent account,,"My issue is that my Target Red Card account was put into collections and closed after I sent a check to pay off my account in full and on time on XX/XX/XXXX. This was sent through the US mail and should have been processed in Target Red Card 's payment facility soon thereafter. In the time leading up to my account being closed and put into collections, I thought that my account was paid off. It seems that either the check did n't make it to them or was processed incorrectly. I received NO phone calls and NO collection notices. If I had realized it was n't paid off, I would have made it right immediately but there was no due diligence in my opinion to inform me as the consumer at all. You will see that as soon as I became aware of the balance I paid in full on XX/XX/XXXX. I provide this not to justify why the account was unpaid, but rather to show that it was not an issue with not being able to pay or managing my credit. This looks to be an error at the post-office or at their payment facility but they refuse to hear me out and only respond with form letters that clearly do n't even speak to the issue. I hope that Target Card is willing to work with me on erasing this mark from my credit reports and reopening my account that has been in good standing since XX/XX/XXXX. 
",,Consent provided,Web,2015-11-30,Closed with explanation,Yes,No,CR1675491,1810
2015-11-30,Credit card,,Billing statement,,,,Consent not provided,Web,2015-12-07,Closed with explanation,Yes,Yes,CR1675068,13089
2015-11-30,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-11-30,Closed with monetary relief,Yes,No,CR1676541,3502
2015-11-29,Bank account or service,Checking account,"Account opening, closing, or management",,"An overdraft activity was happened because of the death of my family relative and his burial help. I called Eagle National Bank ( EN ) branch as well as internal recovery services, XXXX XXXX XXXX, TX XXXX about the issue and financial difficulty and request for corporation and help and after I paid full and my balance was {$0.00}. So, I received a letter for {$0.00} from EN. Instead to receive money full they put negative remarks and comments in the XXXX. I requested them that they need to remove false/wrong/unjustified statement after they received full payment and the balance is {$0.00}. They need to fix the XXXX and make a correction in the account system that they already receive full payment. It is indicating that complete fraud and harassment attitude from the Bank od America. Please take a necessary action to safe my credit which is damaging form EN blackmailing and poor services. 
",,Consent provided,Web,2015-11-29,Closed with explanation,Yes,No,CR1674761,9844
2015-11-29,Bank account or service,Checking account,"Account opening, closing, or management",,"An overdraft activity was happened because of the death of my family relative and his burial help. I called Eagle National Bank ( EN ) branch as well as internal recovery services, XXXX XXXX XXXX, TX XXXX about the issue and financial difficulty and request for corporation and help and after I paid full and my balance was {$0.00}. So, I received a letter for {$0.00} from EN. Instead to receive money full they put negative remarks and comments in the XXXX. I requested them that they need to remove false/wrong/unjustified statement after they received full payment and the balance is {$0.00}. They need to fix the XXXX and make a correction in the account system that they already receive full payment. It is indicating that complete fraud and harassment attitude from the Bank od America. Please take a necessary action to safe my credit which is damaging form EN blackmailing and poor services. 
",,Consent provided,Web,2015-11-29,Closed with explanation,Yes,No,CR1674762,13490
2015-11-29,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I am an ID theft victim tried to notify the bank. They ignored me closed my accounts horrible service. And never got my pay checks that were direct deposited into the account. 
",,Consent provided,Web,2015-11-29,Closed with explanation,Yes,Yes,CR1674684,2338
2015-11-29,Credit card,,Billing disputes,,"I am writing to file a complaint against Eagle National Bank Credit card for refusing to reverse the charges I incurred for purchase of a defective item I made on XX/XX/2015 for the amount of {$73.00} from XXXX ( see attachment pg.XXXX ). The seller sent me an email infng me to return the item for which he would refund me {$64.00} minus the shipping charges ( see attachment pgs XXXX ). I returned the item by XXXX on XX/XX/2015 ( see attachment pgs. XXXX ). The seller received the return on XX/XX/2015 ( see attachment pg. XXXX ). I called BofA soon after the return but I had not received my refund from the company. BofA representative assured me that the charges would be refunded but I do not see any refund. Please help me get back my refund. 
",,Consent provided,Web,2015-11-29,Closed with non-monetary relief,Yes,No,CR1674643,1897
2015-11-29,Credit card,,Transaction issue,,"I am writing to file a complaint against Eagle National Bank Credit card for refusing to reverse the charges I incurred for purchase of a defective item I made on XXXX for the amount of {$320.00} from an E-bay seller "" penandbeyound '' ( see attachment page XXXX ). The purchase was made towards XXXX XXXX XXXX XXXX fountain pens. I had originally complained to BofA after sending back XXXX item ( {$210.00} ) as it was DEFECTIVE ( the inner mechanism does not work ) not "" broken '' as the seller claims, and wanted the seller to refund me the {$210.00} only. This XXXX item was sent back by - USPS certified mail XXXX XXXX XXXX XXXX XXXX dt XXXX - ( see attachment pages XXXX ). While BofA was investigating, XXXX decided the case in my favor and sent me an e-mail requesting me to send back both the items I purchased from "" penandbeyond '' ( see attachment page XXXX ). I returned the remaining XXXX item as I had already returned the first item and I send this second item back by - USPS certified mail XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX ( see attachment page XXXX ). BofA originally sent me a form letter to fill out and send it back with the information ( see attachment pages XXXX ) which I did on XXXX. Unfortunately, BofA has not yet contacted me nor has it reversed the charge of {$320.00}. I have attached copies of all the documents that I sent BofA for your perusal. Please help me get back my money for the XXXX fountain pens I bought and subsequently returned. Thank you. 
",,Consent provided,Web,2015-12-03,Closed with explanation,Yes,Yes,CR1674642,384
2015-11-29,Credit card,,Billing disputes,,"I am writing to file a complaint against Eagle National Bank Credit card for refusing to reverse the charges I incurred for purchase of items I made on XXXX.XXXX.15 for the amount of {$73.00} from XXXX ( see attachment BofA statement ). I had already sent in all the information requested by BofA on XXXX.XXXX.15 ( see attachment pg XXXX ) but I have yet to hear from BofA. The items were refused and returned to the seller and the seller accepted return onXXXX/XXXX/2015 ( see attachment pgs.XXXX ). I could not accept the items and wanted to make a change in the purchase, but I could not contact the seller. Although all this information was sent to BofA, I still have not seen a reversal of the charges. I will be grateful if BofA issues me a refund as the itmes in question have be refused and returned. 
",,Consent provided,Web,2015-11-29,Closed with explanation,Yes,No,CR1674644,9872
2015-11-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-11-29,Closed with explanation,Yes,No,CR1674736,2123
2015-11-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-11-30,Closed with explanation,Yes,Yes,CR1674662,396
2015-11-28,Credit card,,Closing/Cancelling account,,"This account is closed since XXXX/XXXX/09 and still showing om my credit report XXXX. 
",,Consent provided,Web,2015-11-28,Closed with explanation,Yes,No,CR1674313,3586
2015-11-28,Credit card,,Closing/Cancelling account,,"This account was closed on XXXX/XXXX/11 want to be removed from my credit it 's already more than 4 years. 
",,Consent provided,Web,2015-11-28,Closed with explanation,Yes,No,CR1674317,949
2015-11-28,Credit card,,Closing/Cancelling account,,"This account was closed on XXXX/XXXX/13 want to be removed from my credit. 
",,Consent provided,Web,2015-11-28,Closed with explanation,Yes,No,CR1674320,3775
2015-11-28,Credit card,,Closing/Cancelling account,,"This account was closed on XXXX/XXXX/13 want to be removed from my credit. 
",,Consent provided,Web,2015-11-28,Closed with explanation,Yes,No,CR1674322,2433
2015-11-28,Credit card,,Closing/Cancelling account,,"This account was closed on XXXX/XXXX/13 want to be removed from my credit. 
",,Consent provided,Web,2015-11-28,Closed with explanation,Yes,No,CR1674321,1316
2015-11-28,Credit card,,Closing/Cancelling account,,"I want this account to be removed from XXXX closed account XXXX/XXXX/09 with XXXX balance. 
",,Consent provided,Web,2015-11-28,Closed with non-monetary relief,Yes,No,CR1674324,4730
2015-11-28,Credit card,,Closing/Cancelling account,,"This account was closed on XXXX/XXXX/08 want to be removed from my credit it 's already more than 7 years. 
",,Consent provided,Web,2015-11-28,Closed with non-monetary relief,Yes,No,CR1674314,764
2015-11-28,Credit card,,Closing/Cancelling account,,"This account was closed on XXXX/XXXX/09 want to be removed from my credit it 's already more than 6 years. 
",,Consent provided,Web,2015-11-28,Closed with non-monetary relief,Yes,No,CR1674323,4782
2015-11-28,Credit card,,Closing/Cancelling account,,"This account was closed on XXXX/XXXX/10 want to be removed from my credit it 's already more than 7 years. 
",,Consent provided,Web,2015-11-28,Closed with non-monetary relief,Yes,No,CR1674315,841
2015-11-28,Credit card,,Closing/Cancelling account,,"This account was closed on XXXX/XXXX/2010 with a XXXX balance and still showing on my credit report with XXXX. 
",,Consent provided,Web,2015-11-28,Closed with non-monetary relief,Yes,No,CR1674325,4050
2015-11-28,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-11-28,Closed with explanation,Yes,Yes,CR1674296,3387
2015-11-28,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-11-28,Closed with explanation,Yes,No,CR1674319,4791
2015-11-28,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2015-11-28,Closed with explanation,Yes,No,CR1674493,3371
2015-11-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-11-28,Closed with explanation,Yes,No,CR1674482,1354
2015-11-27,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank charged XXXX overdraft fees on my account and my account did not reach a negative balance. I called customer service and they explained that the information online was incorrect and certain items, though showing as processing, were actually paid. I made the necessary deposit to bring my account to a positive balance prior to the end of the business day and the overdraft has not been refunded. Based on the online information, the transactions were still processing and I made the necessary deposit prior to the close of business. This is not the first time Eagle National Bank has tried to steal our money and I want to make sure the CFPB is aware and does something to stop this. I have accounts with other banks and this never happens. I am transitioning away from Eagle National Bank, but they just keep stealing my money ( every month ). I have attached screenshots as evidence and am willing to contact additional branches of the government to ensure that all Eagle National Bank customers are aware of this scheme and appropriately prosecuted. 
",,Consent provided,Web,2015-11-27,Closed with explanation,Yes,No,CR1674090,4101
2015-11-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,"My bank account with Eagle National Bank was closed because someone wrote me a bad check. How would I have known that it was a bad check? because of this issue I ca n't no longer open a bank account with any financial institution. This is unfair for the consumer. The person who wrote the bad check should be penalized not the person receiving a check. This is another example of Big Banks XXXX the little consumer as if we have no right. If this issue is not resolved thru consumer protection, I will seek a class law suit. 
",,Consent provided,Web,2015-11-27,Closed with explanation,Yes,No,CR1673430,3221
2015-11-27,Credit card,,Billing statement,,"While reviewing my account statement on or about XX/XX/XXXX, I noticed unauthorized and fraudulent charges to my account beginning from XX/XX/XXXX thru XX/XX/XXXX posting as date of Transaction totaling about {$22000.00}. I immediately contacted Eagle National Bank and advised them that I did not at any time authorize or consent to the charges that reflecting in my account. I was advised that it will be investigated and appropriate correction made. I was not contacted or advised of the outcome of the investigation, though I continued to make my monthly payments including this fraudulent and unauthorized charges to my account. 
On or about XX/XX/XXXX, I contacted Eagle National Bank again requesting for this matter to be resolved because it was having a toll in my finances. I was again advised that an investigation was on going and that I will be duely notified when completed and advised me to continue making payments to avoid negative effects on my credit, to which I complied. 
To this extent, Eagle National Bank did not contact me nor send me any notification per the completion of the investigation. I kept calling and never received any assistance from any staff. 
Thereafter, on XX/XX/XXXX, I contacted Eagle National Bank and disputed the validity of the DEBT and staff advised me that there was nothing on file for this matter as I stated. STAFF promised me that he will get to the bottom of this and that someone will be in touch with me within 60 days with a resolution. To this regard, nobody contacted me or the matter resolved. 
Therefore, on XX/XX/XXXX, I called and was upset and enraged that nothing has been done to resolve my complaint of ID THEFT resulting from unauthorized and fraudulent charges to my account, Eagle National Bank staff advised me that there was no file for this complaint and that I need to file an official complaint for an investigation into the matter. EN has failed to investigate my complaint of unauthorized and fraudulent charges of ID THEFT totaling approximately {$22000.00}, in clear violation of FCRA ; FDCA and my PRIVACY RIGHTS, causing me to suffer irreparable injuries of mental and physical injuries of XXXX distress in my marriage, XXXX and serious economic loss resulting from gross negligence of EN failure to act accordingly. I have continued to suffer financial difficulties resulting from EN total disregard to the rule of law per my complaints of ID THEFT, where I have been denied and deprived access to new credits and/or business financing based upon my DEBT TO RATIO INCOME and HIGH CREDIT UTILIZATION in part. 
",,Consent provided,Web,2015-12-03,Closed with explanation,Yes,No,CR1673529,902
2015-11-26,Bank account or service,Checking account,Problems caused by my funds being low,,"Dear CFPB Committee, Happy XXXX! 

Unfortunately, I wo n't be able to celebrate this year due to a number of financials burdens on my soul - including identity theft ( police report enclosed ), XXXX and of course not having enough expenses to cover my living costs.It is with extreme grief to tell you that this particular circumstance has impacted my daily life tremendously. 

I 'm a loyal Eagle National Bank consumer since an year - the day that I first came to XXXX. Eagle National Bank has always been my favorite bank, I 've had the best customer experience from an institution ever in my life. 
Recently, however, I have been in great sadness as per circumstances which resulted in me being self-employed and sufficient, an XXXX with no income. From XX/XX/XXXX, I have been charged with 12 x overdraft fees ( XXXX $ ) fees on amounts as low as {$4.00} while I was on 'decline any transactions ' ticked on my checking account. The fees are as a result of the merchants duplicating transactions on the next day whereas they got declined previously. The merchants were notified about my inability to pay, however, they constantly ignored my requests. I have removed my debit card from auto pay - however, as I have an outstanding balance they kept charging me. Enclosed are the fees that I 'm referring to ... 

I 'm having a tough moment in my life as I 'm on food benefits, thus I do n't have money to cover food expenses - not to mention paying {$35.00} in fees.. As proof, I have enclosed a copy of the food benefits EBT stamps I receive.. I 've called and seek aid from the service fee dispute center, however, without help.. 

XXXX. Even though, I want to remain a Eagle National Bank customer - I 've been paying my Eagle National Bank Secured Credit Card in full each month, as to not owe Eagle National Bank money, however I can not allow myself to further pay those fees.. I want to remain loyal as the customer service is superb. 

This being said, is there any way for those fees to have them reduced as to financially stabilize myself from the hole I 'm sinked into. 

Having those fees refunded will greatly improve my life and allow me to buy food.. Please feel free to call me and ask for any proof as to validate my claims but please understand that I 'm in a very hard economic hardship currently as a result of my identity being stolen and the other reasons stated above. 

Yours, XXXX XXXX 
",,Consent provided,Web,2015-11-26,Closed with monetary relief,Yes,No,CR1673190,5237
2015-11-26,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I have a flexible medical spending account through my employer XXXX. I tried to use it to pay a dental bill and learned that the account had been hacked and {$3200.00} was taken out from someone in XXXX When I contacted Eagle National Bank they said there was nothing they could do. Their explanation to me was that it was over 90 days and because I did n't report it as soon as it happened the time frame for filing a complaint had expired. They stated they tried to contact me.i did not receive anything in the mail, nor did I receive a phone call. I have called twice to try to resolve this with Eagle National Bank and they hung up on me. My name is XXXX XXXX XXXX. I can be reached at XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX 
",,Consent provided,Web,2015-11-26,Closed with monetary relief,Yes,No,CR1673123,4300
2015-11-26,Bank account or service,Checking account,Deposits and withdrawals,,"I had requested an expedited external transfer for an additional {$7.00} fee on XXXX/XXXX/2015. However, Eagle National Bank failed to mention that the fee would be deducted from my account a few hours AFTER the transfer had been complete ( industry standard practice is to deduct the fee immediately ). This caused me to fall below my minimum daily balance of {$100.00} by {$7.00} ( to {$93.00} ). I immediately transferred an additional {$15.00} to the account just to be safe and avoid a fee for dropping below my minimum balance. However, I was charged {$15.00} on XXXX/XXXX/15 ( XXXX! What XXXX! ) for falling below my minimum balance for less than 72 hours. I feel that the bank intentionally delayed the deduction of the {$7.00} transfer fee in order to collect an additional {$15.00} fee. I had called them and they gave me a typical, pre-scripted response, and claimed that they were unable to help me. 
",,Consent provided,Web,2015-11-26,Closed with monetary relief,Yes,No,CR1673120,1586
2015-11-26,Bank account or service,Checking account,Problems caused by my funds being low,,"I opened a small business account two years ago. At the time it was never explained to me that I had to opt in to not allow overdraft of my account. My company was a small operation and I was nave, thinking banking products were similar to personal banking products. I was switching banks and made it known to Eagle National Bank, well one day my account went to - {$6.00} and they continued to allow small purchases ( {$5.00}, {$7.00}, etc ) so that they could then hit me with {$170.00} in overdraft fees. They would not refund these fees because they were not banking errors, even though other banks do it. The manager on duty told me that as a businessman I should have kept better track of my account. She pointed to my phone and told me that I had the mobile app and should have kept better track. She was rude and if I had not been leaving the bank I definitely would after that. 
",,Consent provided,Web,2015-11-30,Closed with monetary relief,Yes,No,CR1673075,3613
2015-11-26,Credit card,,Rewards,,,,Consent not provided,Web,2015-12-07,Closed with explanation,Yes,No,CR1673040,3390
2015-11-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"i applied for a Eagle National Bank rewards card and was denied 3 different times it seem that they have a policy of denining XXXX a chance to get credit I have had people with worse credit scores than me that were approve for XXXX and XXXX credit lines. I think that banks of America needs to be looked at with there credit practices which are unfare and is discrimming against XXXX. I would like for B of A to give a fair chance to all people of getting credit not just some people XXXX XXXX applied for credit card and was denied 3 times. change there discrimmation practices 
",,Consent provided,Web,2015-11-25,Closed with explanation,Yes,Yes,CR1671250,4073
2015-11-25,Credit card,,Identity theft / Fraud / Embezzlement,,"SUMMARY : FIA Card Services, a division of Eagle National Bank, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX continues to ignore correspondence re : credit card fraud, send bills and charge interest because of fraudulent charges that took place on my original credit card [ ending in XXXX ] with FIA, which is owned by Eagle National Bank. 
FACTS : Initial fraud charges occurred XXXX XXXX, 2015 at a XXXX Store in XXXX XXXX, XXXX which I do not patronize, for over {$310.00}, more than I have ever spent at any XXXX store. After discovering the fraud charges, on or about XXXX XXXX, 2015, well within the 60 days allowed to report to the company, many phone calls and correspondence have been transpired between myself and FIA Card Services Customer Service for more than six months. 
ACTION TAKEN : A police report has also been made for the credit card fraud to the XXXX XXXX Police Dept., as this is XXXX XXXX where I reside and where the fraud originated. Correspondence to FIA, along with copies of the statements which show the fraud charges, includes the following information : "" Please note that all of the charges marked in black 'Sharpie ' ink with a star [ *, or & gt ; ] next to them are fraudulent charges on the statement, including ANY AND ALL charges which took place in XXXX XXXX XXXX XXXX I have not traveled to XXXX in more than ten years! Please do not transfer these charges to a new charge card that you are issuing in my name as they are pure and outright fraud, which I can only presume started at the XXXX Store XXXX. ; as you can see from my charge history, I have never spent over {$300.00} at any grocery store, and I do not shop at the XXXX XXXX. store. Please correct and remove the fraud charges pursuant to your Fraud Protection Policy of 100 % no liability to the customer once it has been reported in a timely manner. I will not be responsible for any fees, late charges, etc. that XXXX XXXX may attempt to pass along to me, as the customer. Also, pursuant to my phone conversation with your representative, this morning, please cancel this account, and do not open another card with fraud charges attached thereto. "" ONGOING : Every 2-3 months, instead of attempting to resolve this issue, FIA does the following:1 ) changes the account number on the card, 2 ) transfers the balance, 3 ) charges a late fee and interest, which continues to accrue. Instead of trying to resolve the issue with me as the consumer, FIA ignores it and sends a dunning letter telling me there is a balance due. Every month FIA continue to send a bill to me, as recently as XXXX, 2015 to include interest which accrues on the balance ; I refuse to pay until FIA reconciles ALL of the fraudulent charges against the amount that has been paid to the company for my legitimate charges. 
When calling the company 's customer service numbers [ below ], I am placed on hold for more than an hour at a time. 
As of XXXX/XXXX/15, I filed a complaint with the XXXX ; that office referred me to the Dept. of Consumer Financial Protection Bureau, which I am utilizing to file a consumer complaint against FIA. 
",Older American,Consent provided,Web,2015-11-25,Closed with monetary relief,Yes,No,CR1672464,2439
2015-11-25,Credit card,,Other,,"The accounts XXXX and XXXX are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). Eagle National Bank has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now Eagle National Bank is gaming the system to punish me for beating them in the courts. 
",,Consent provided,Web,2015-11-25,Closed with explanation,Yes,No,CR1671231,3632
2015-11-25,Credit card,,Other fee,,"This is a pretty straight forward complaint. I believe that my credit card statement incorrectly lists interest charged on my purchases as a fee. I called the credit card company to inform them of the possible mistake but they informed me that there is nothing they could do to correct it. If this is incorrect, I believe the credit card company should correct their mistake. Though the amount is small on my statement, the amount could be larger for other customers. 
",,Consent provided,Web,2015-11-25,Closed with explanation,Yes,No,CR1671638,673
2015-11-25,Bank account or service,Checking account,Using a debit or ATM card,,"This is my XXXX day ... Went to Eagle National Bank on XXXX and XXXX XXXX pa.. Walking in to try to speak with customer service. Mind you just to get a replacement card now as we speak I 've been here for 1hr and half.. Still have n't been seen they have multiple tellers but XXXX customer service rep and she acts like she does n't want to even be here. I do n't understand I 've been to a few of your branches pa, ny but this XXXX is XXXX of the worst I 've ever been to.. XXXX to say the fact I need my card to get my money but another day I will go with out XXXX or I will have to go out my way to go to another brand .. XXXXpeople just walked out and yesterday was the same I thought if u come early maybe it would be different well it 's not .. Someone needs to come really see the mess Thts here : /. Because it 's a lot of people in need of a job if they do n't want to work .. 
",,Consent provided,Web,2015-12-02,Closed with explanation,Yes,No,CR1671653,4403
2015-11-25,Credit card,,Other,,"I went to use my card and vendor tryed to take card the card away several.times after Numberous time calling credit card company they assured me the card was good and i was in good standing somewhere along the line some untrained personal shut my card off. I even talked to supervisors numerous times trying to figure out why my card was not working assured me my card was good and i was in good standings every time that the card was good this has gone on for a month and half I finally got a hold of credit card company repersevive XXXX/XXXX/15 was discovered my my card was shut off for no reason i could see if i was late or some thing like that but I was in good standing the whole time 
",,Consent provided,Web,2015-11-25,Closed with non-monetary relief,Yes,No,CR1671748,2796
2015-11-25,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-11-25,Closed with non-monetary relief,Yes,No,CR1672559,782
2015-11-25,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2015-11-25,Closed with explanation,Yes,No,CR1671900,2078
2015-11-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-11-25,Closed with monetary relief,Yes,No,CR1672408,1428
2015-11-24,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank will wave the monthly bank account account fee if {$250.00} of *new* charges are made to the associated credit card. They have not been waving the fee and now state that *new* charges do not include things like monthly utility bills charged to the account. They are unable to show me in writing why utility bills are not considered new charges. 
",,Consent provided,Web,2015-11-24,Closed with explanation,Yes,No,CR1669872,1183
2015-11-24,Bank account or service,Checking account,"Account opening, closing, or management",,"RE : Eagle National Bank XXXX TexasI had just about given up. this complaint process is time consuming and my semester for the winter is about to begin for my XXXX program. The complaint has transformed into a fight with bureaucratic red-tape and stonewalling by the customer service members of EN. Now I find out today that I can not open another account with any bank in Texas because my name has been flagged. I have gone through 4 -5 years of ID theft as a EN customer and my credit has been damaged. Can not believe a Bank in the USA intentionally damages or allows its customer to suffer prohibiting the ability to recover from financial set backs instead of helping. In this context I decided to file this new complaint. Please see the synopsis of my complaint and supporting documents below. 
XXXX startFiled with OCCC TX : To : *OCCC Texas XXXX XXXXXXXXXXXX XXXX *Bank Pres. XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX RE : follow up : Status Synopsis UrgencyI have written numerous times attempting to expedite this EN investigation from XXXX XXXX, 2015 to present. The details have been elucidated in several emails but the resolution has not been implemented. As a result as mentioned in the previous email "" EN complaint : Status Synopsis Urgency '' dated XXXX, XXXX, 2015 ( about 30 day after my compliant ), the time has run out. This month services needed to run my household are out of time. Creditors have begun to implement prosecution by district attorney for returned checks and payments, termination/suspension of services, utilities, insurance coverage, cell service, phone service, home owners insurance, etc. EN has even informed me that EN mortgage will report XX/XX/XXXX missing mortgage payment to the credit bureaus and that they are not required to add an explanation i.e., detail of my complaint and reason why the automatic payment was missing. Accounts that are cancelled or will be this month XXXX, XXXX ( gas ), XXXX XXXX ( lights ), Water bill, A # XXXX XXXX XXXX XXXX XXXX XXXX service plan XXXX. Please see the attached listing of creditor 's late fees that in total to date exceed the original {$910.00} withdrawal. 
XXXX EndIt seems that there was a push to just finalize this complaint without really addressing the ID Theft issues suffered by me over the past 4 -5 years with EN. The latest of which is outlined above. OCCC TX has not been engaged in this complaint as I would have liked. My next semester is just about to start so I eventually agreed to pay to being the accounts current with EN and my creditors. I then tried to transfer my police pension to XXXX XXXX XXXX which is now being blocked. Really inconvenient during this holiday season. I agree that you can share this complaint with the media. Of the dozen or so EN CEO executive team managers that I discussed this case with the last were XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX with friendly but ineffective customer service. Please see the supporting documentation. 
Thanks, XXXX XXXX XXXX XXXX CFPB 
",,Consent provided,Web,2015-11-27,Closed with explanation,Yes,Yes,CR1669900,4473
2015-11-24,Bank account or service,Checking account,Problems caused by my funds being low,,"Upon reviewing my Eagle National Bank checking account I noticed that I was overdraw in the amount of {$280.00}. I called customer service to inquire as to why my account was overdrawn and they stated because I had XXXX items that were presented for payment and they paid them for me as a courtesy because they are recurring payments to my account. I have called about this in the past because it caused my account to be overdrawn that time also. The challenge I am facing with Eagle National Bank is that I did not sign-up nor do I have an account linked to my checking account for overdraft protection. I have made request that no courtesy payments be made and if the funds are not available that the items be returned. I further explained that I declined setting up overdraft protection because it is not something that works for me. Upon further speaking with the customer service representative I was informed that even though I did not request that the items be paid but that Eagle National Bank made the decision to pay the items, I was still responsible for any fees assessed to the account for payments. Additionally, as of today, XXXX/XXXX/15, Eagle National Bank assessed my account a fee of {$35.00} because my account has been overdrawn an extensive amount of time, even though I did not request the items be paid, it was a judgement call by them. They are maliciously charging fees and initiating activity on my account that is not authorized by me. My thought this is another way for Eagle National Bank to make money off of their customer. 
",,Consent provided,Web,2015-11-24,Closed with monetary relief,Yes,No,CR1670925,1980
2015-11-24,Credit card,,Billing disputes,,"Follow up to Eagle National Bank case of XXXX case. 
",,Consent provided,Web,2015-11-24,Closed,Yes,No,CR1669376,3763
2015-11-24,Credit card,,Delinquent account,,"I paid off my credit card in XXXX of this year, at which time my balance online was {$0.00}. I then received a new card in the mail a few months later. When I activated the card, I was told I had an overdue balance. Apparently, when I paid the card off, the billing cycle had not closed and {$16.00} of interest hit the account. I was never notified that the balance was overdue. When I called to complain and resolve this issue, I was told all customers who are overdue receive courtesy calls. When I asked the agent to give me the date and time of said call, he said placed me on hold to look it up and found a call was never placed. I have had numerous agents tell me I have a "" good case '' in getting the delinquencies removed, yet it was denied at least 3 times. The interest amount that caused me to be reported as delinquent to all XXXX credit bureaus has since been refunded to me, yet the bank will not correct my payment history to remove the one late payment this interest caused. I have been told I was notified by email, but I do not have said emails from Eagle National Bank. I told the agent it may be due to the recent XXXX government hack, as I just received a letter confirming that all of my information was stolen XXXX. Soon after trying to fight the discrepancy, I received a letter from Eagle National Bank that they had dropped my credit line from {$3500.00} to {$500.00}, further damaging my credit as now it looks like my credit usage is much worse due to the lower limit. The letter cited "" recent delinquencies '' and "" insufficient credit history '' as the reason they dropped the limit on my card. I have been a customer with them on this line of credit for almost 10 years and I have NEVER been late before. My credit limit has been {$3500.00} for almost 5-8 years now, based on much weaker credit and income that I held 5-8 years ago. I feel that they are trying to irritate me into closing my account because it has a very low grandfathered interest rate from when it was opened. My credit score has dropped significantly since all of this and I have lost countless hours on hold with Eagle National Bank trying to get the issue resolved. 
",Servicemember,Consent provided,Web,2015-11-24,Closed with non-monetary relief,Yes,No,CR1670178,1787
2015-11-24,Bank account or service,Checking account,"Account opening, closing, or management",,"I am filing a complaint against Eagle National Bank. I opened XXXX new accounts with the help of customer service. The accounts are as follows XXXX and XXXX. I am a regular customer and I deposit cash to my accounts. I have deposited CASH in worth XXXX of dollars in the past. Eagle National Bank did nothing to protect my cash investments. I was treated in an unprofessional manner by lower level people from customer service and from the XXXX XXXX XXXX XXXX, NY XXXX location. One representative stated that they can pick who they do business with at the lower level. She stated it is her right to discriminate against people as she sees fit. 
",,Consent provided,Web,2015-11-24,Closed with explanation,Yes,Yes,CR1669424,543
2015-11-24,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank levied my business bank account domiciled in the State XXXX, due to a XXXX subpoena and personal judgment received that directed them to restrict XXXX domiciled accounts only. When I told the bank that they levied my account in error, they responded that their customer agreement allows them to levy accounts outside the scope of the XXXX subpoena, yet could not show me any agreement language in support of that claim. They have frozen almost {$7000.00} in funds without any authority under the law. 
",,Consent provided,Web,2015-11-24,Closed with non-monetary relief,Yes,No,CR1670294,355
2015-11-24,Bank account or service,Checking account,"Account opening, closing, or management",,"When I lived in XXXX I had an account with Eagle National Bank. I have moved to XXXX where EN has no branches. I have told the to close the account many times. The last time was yesterday. 
Because they have not closed it fees are just over {$1000.00} and growing. They now claim they will close it in 60 days. Then a collection company will go after me. They are not working with me at all. They just like charging fees. I am getting hit with fees as my account is less than XXXX because of fees. 
",,Consent provided,Web,2015-11-24,Closed with monetary relief,Yes,No,CR1669706,2653
2015-11-24,Credit card,,Billing disputes,,"We have a credit card that offered 0 % financing for 5 years on the purchase of a lawn mower. We have been paying our payments for 4 years and they claim they sent a letter in XX/XX/XXXX adjusting our minimum payment by rounding it to the nearest dollar ( XXXX cents ) we did not receive the letter and did not adjust our payment this resulted in XXXX late fees ( {$35.00} and {$25.00} ). We contacted the credit card company and they offered to refund XXXX of the late charges for {$35.00}. We still feel that both fees are unfair seeing that there is only a XXXX cent difference. in what we paid and what we "" owed ''. We have paid the additional {$25.00} to keep our account current. 
",,Consent provided,Web,2015-11-24,Closed with monetary relief,Yes,No,CR1670412,1240
2015-11-24,Credit card,,Credit card protection / Debt protection,,"XX/XX/2015Dear Sirs, Most of my credit card companies issued new credit cards with chips in them and with the normal and identifying as a real credit card with raised account numbers and expiration dates. 
However, XXXX XXXX and Target issued fake looking credit cards with out the normal raised account numbers and raise expiration dates. XXXX refused on XX/XX/XXXX to issue a normal raise numbers card with a chip like most of credit card companies and I not able to get a hold of Target. 
Since it is possible to have the normal and more secure raised numbers with the new chip both ; I see no reason to accept either the target or the XXXX XXXX ; I think it is irresponsible to issue the flat credit card that are more easily faked. 
I expect the CFPB to at least ask or direct Target and XXXX to give customer or Consumers a choice ; or more prudently require all credit card companies to issue the more secure traditional raised number cards with the chip in them and use both methods and not issue the flat credit cards at all. 
XXXX XXXX XXXX XXXX. 
XXXX. 
",,Consent provided,Web,2015-11-24,Closed with explanation,Yes,Yes,CR1669620,4088
2015-11-24,Credit card,,Other,,,,Consent not provided,Web,2015-11-24,Closed with explanation,Yes,No,CR1671227,4280
2015-11-24,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-11-24,Closed with explanation,Yes,No,CR1669595,724
2015-11-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-11-24,Closed with monetary relief,Yes,No,CR1671005,327
2015-11-23,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I have an old credit card debt that turned into a judgment. I have been trying to get in touch with someone to get this resolved since XXXX 2015. My account is with XXXX and the only way to contact them is through fax. Finally, I talked with someone on XXXX/XXXX/15 and was offered a reduced rate settlement. I was supposed to get a letter from them, but still have not gotten it. I have even send copies of all faxes, confirmations, etc. to XXXX XXXX ( CEO ) via mail and e-mail to ask for assistance in getting this resolved so that I can purchase a home. No response from him either. After finally talking with the resolution department, they found out that the letter that they were supposed to send to me, was actually sent to an attorney that I do n't even know who it is. So they sent my personal information to someone without my knowledge that told them that they were representing me, who is not. After I finally talked back to resolution, they put in another request for this letter to be sent to my home address. It has now been three weeks and I am no closer to getting this resolved. I have never in my entire life had someone not wanting to take my money for a debt that I do owe. 
",,Consent provided,Web,2015-11-23,Closed with non-monetary relief,Yes,Yes,CR1667726,2348
2015-11-23,Bank account or service,Checking account,Problems caused by my funds being low,,"I was charged {$140.00} in overdraft fees on four transactions on XXXX XXXX, 2015 by Eagle National Bank. I had {$53.00} in savings account linked to overdraft protection. The transactions came in the following order {$350.00} first, {$25.00} second, {$25.00} third, {$2.00} fourth. Money from savings account did not apply to XXXX transaction. 
",,Consent provided,Web,2015-11-30,Closed with monetary relief,Yes,No,CR1668470,3785
2015-11-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,"XXXX Consumer Financial Protection BureauDear Sir/MadamSubject : formal letter of complaintI am submitting this complaint because I was the victim of a scam, facilitated by the lack of proper process at the bank. My prospective employer sent me XXXX checks to procure supplies, needed to start a new job. I deposited the checks and used the money to purchase equipment ( which never came ), and the checks bounced. 

Since XXXX XXXX 2015 I have been having the following problems : On XXXX XXXX, I deposited a check into my account for the amount of {$1900.00} as indicated on attachment XXXX. On XXXX XXXX all of the funds were available for me to use. I withdrew the money in order to conduct my business. Then on XXXX XXXX I deposited another check for the amount of {$4100.00}, which again all funds were available that same day as evidenced by attachment XXXX. The next day on XXXX XXXX, I withdrew the money needed to complete the business of that day. 6 days later on XXXX XXXX, I reviewed my account and it showed that I was now in a negative balance for total the amounts of the first check and on XXXX XXXX shows the negative balance for the second check. Eagle National Bank made the funds available to me the day after I was victim of a scam and if Eagle National Bank had properly verified the funds, I would not be in this difficult situation. Now that Eagle National Bank was not able to process the check properly and no fault of mine I am being made responsible for the funds. This is unacceptable. Eagle National Bank processed the checks and made the funds available and then determined that they could not get the funds from the institutions that the checks were from they have decided to make me responsible. The funds should have never been made available ir the checks had not cleared. The total amount of the checks has been levied against my accounts for me to pay. I request that Eagle National Bank has a responsibility to have a proper process, and investigate the problem. Eagle National Bank cover the amount of the checks and credit my account accordingly. I at no time during these transactions pushed to have the funds any earlier than what Eagle National Bank made available. I informed to Eagle National Bank by phone and at a local branch, and tried to request and investigation after I reported the problem to the police. ( Case numberXXXX, XXXX, FL Sheriff Office ) With every attempt that I made to pass this information to Eagle National Bank, no one wanted to listen or open a report, and I was transferred to the collections department so that arrangements could be made to pay the money ) The checks were a scam on the prospect of my being able to start a new job. It was an elaborate setup and I carefully researched and the opportunity looked real. It was not. I have all of the paperwork and information on what was done and how they were able to make it look like a valid job offer. Please address this immediately. I anticipate your response. You can reach me at ( XXXX ) XXXX or XXXXXXXXXXXX XXXX. XXXX 
",,Consent provided,Web,2015-11-23,Closed with explanation,Yes,Yes,CR1667790,652
2015-11-23,Credit card,,Credit line increase/decrease,,"Eagle National Bank lowered by credit limit from the original agreement. Therefore lowering my credit score. I now am not able to obtain better work and therefore my financial situation has changed. I need them know to be willing to lower my interest rate. 
",,Consent provided,Web,2015-11-25,Closed with explanation,Yes,No,CR1668769,2626
2015-11-23,Credit card,,Transaction issue,,"I added a new checking account to my payment options. This checking account had enough money in the account the pay my credit card balance, in full. The new checking account was confirmed that is was active but the payment that I made on the credit card was taken from another bank account. This bank account did not have the money to make the payment, in full, on my credit card. Due to the money not being there EN attempted to withdraw the payment, and a {$35.00} Insufficient Fund was added to my account. This amount was then "" added back '' to the account, only to be removed a few days later, also causing another {$35.00} Insufficient Fund. 
EN did not have approval to remove money from the previous account. The new account was added to make this payment because that is where the money is. Now there is {$70.00}. 
XXXX in insufficient fees added to my account that EN is responsible for and money that was withdrawn from the incorrect account. What is EN going to do to correct their mistake? 
",,Consent provided,Web,2015-11-23,Closed with explanation,Yes,No,CR1668209,2129
2015-11-23,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2015-11-23,Closed with explanation,Yes,Yes,CR1668113,970
2015-11-22,Bank account or service,Checking account,Problems caused by my funds being low,,"I deposited a check at Eagle National Bank on XXXX/XXXX/15 after XXXX XXXX, but I did not realize the check was dated XXXX/XXXX/15. The bank bounced the check on XXXX/XXXX/15, I think the money was available on XX/XX/XXXX but they decided to reject it. I deposited a check for {$1100.00} on XX/XX/2015 and was informed there was a hold in place for {$900.00} until XXXX pm XXXX/XXXX/15 and that I was told by XXXX of bank America that {$200.00} would be available by XXXX Saturday XXXX/XXXX/15, ( see attached account history for XX/XX/XXXX ) sometime Saturday the entire amount was put on hold and the check is now on permanent hold, ( see attached bank statement ) I am not sure when it will be available, when I asked XXXX of bank America why, he said it was in the risk dept, and to call Monday, I feel Eagle National Bank is trying to generate fees and lying to me when I try to address my account problems, I have no funds in my account, and feel I am being treated in a arbitrary and capricious manner. 
",,Consent provided,Web,2015-11-22,Closed with explanation,Yes,No,CR1667175,918
2015-11-22,Bank account or service,Checking account,"Account opening, closing, or management",,"The Eagle National Bank, where I have had a checking account for many years and live abroad, continues to reduce the scope of its communications with its customers, reducing the topics acceptable on chat and on email. This is the second complaint I have made. The head office promised last time to improve, instead it is worse. 
Also, despite a free phone number for overseas calls, it is not operable, as a digital voice message does not match with the operator nor automatic phone connection. 
Previously, the bank offered all options, message, chat or phone, for all topics. It seeks cost savings at consumer expense. 
",Older American,Consent provided,Web,2015-11-23,Closed with explanation,Yes,No,CR1667245,1698
2015-11-22,Credit card,,Billing disputes,,"Target Card did not process an electronic payment of the full balance properly. Thereafter, they assessed fees and interest to the account. I paid {$50.00} to avoid further fees and interest, which was accepted. Thereafter, I attempted to pay the full balance again only to be rejected again. This failure on Target 's part has also resulted in "" returned payment fees. '' There is no trouble with my bank account, which has the money with which to pay. The issue is with Target failing to properly accept my payment. 
",,Consent provided,Web,2015-11-22,Closed with explanation,Yes,Yes,CR1667213,633
2015-11-21,Credit card,,Other,,"I wanted to check the interest rate of my Eagle National Bank Credit card online, and it is not published within my secured online account statement. It 's necessary to make a phone call to get the current interest rate charged by Eagle National Bank on my credit card. The necessity of having to call is not stated in the online account summary - although almost everything else conceivable is stated, offered, hyped, or sold. 
",,Consent provided,Web,2015-11-21,Closed with explanation,Yes,No,CR1666864,4624
2015-11-21,Bank account or service,Savings account,"Making/receiving payments, sending money",,"I received a cashiers check for XXXX After depositing, I waited several days for it to clear. It cleared. I then spent the money. 2 days after my bank said it had cleared, it was returned, and now I am in serious debt. 
",,Consent provided,Web,2015-11-21,Closed with explanation,Yes,No,CR1666876,2531
2015-11-21,Bank account or service,Checking account,Problems caused by my funds being low,,"On XX/XX/2015 XXXX XXXX XXXX XXXX presented a check against my bank account with Eagle National Bank for {$1400.00}. This brought my account balance to {$130.00}. That same day, XXXX debits totaling {$30.00} were also debited from my account, causing my overall balance to fall to {$99.00}. On XX/XX/2015 the check was returned and I was charged a {$35.00} overdraft fee. The only other debit to occur that day was for {$12.00}. After reviewing this on my XXXX statement and making numerous phone calls, Eagle National Bank confirmed that the check was returned in error and refunded me the overdraft fee. 
The check to XXXX XXXX XXXX XXXX was for my XXXX rent and it being returned will result in me being charged a late payment fee and a returned check fee. 
",,Consent provided,Web,2015-11-21,Closed with explanation,Yes,No,CR1666902,4632
2015-11-20,Bank account or service,Checking account,"Account opening, closing, or management",,"Back around XXXX, Eagle National Bank ( EN ) offered "" Free For Life Business Checking Accounts '', which I signed up for XXXX for XXXX XXXX XXXX. I have to call EN every year to get my bank service charge waived for another year. This year when I got charged {$14.00} XX/XX/XXXX, I called EN as I always do, to get a credit for the {$14.00}. I received a voice message from my local EN rep that they have waived the {$14.00} for this month only and I will not be able to get this fee waived any longer. What happened to "" Free for Life ''?? 
",,Consent provided,Web,2015-11-20,Closed with monetary relief,Yes,No,CR1666676,4242
2015-11-20,Bank account or service,Checking account,Using a debit or ATM card,,"SUMMARY : Debit card charge by a company for a service never rendered and bank refusing to reverse charge or properly investigate dispute of charge. 

DETAIL : Our company contracted with a tow company XXXX XXXX XXXX XXXX to tow a commercial vehicle which had a minor breakdown. The tow company required our Eagle National Bank Debit card number and charged our debit card BEFORE the service was rendered. 

The tow company hooked up our vehicle but while in the process of towing it XXXX. The tow company completely destroyed our vehicle. Thus no service was rendered by the towing company as the tow company destroyed our truck. The tow company did NOT have insurance or coverage for this XXXX requiring our insurance company to reimburse us for a TOTAL LOSS of vehicle caused by towing company. 

The tow company then refused to reverse the charge ( The tow company charged our card {$840.00} for a service where they were negligent, caused total loss to our vehicle, and did not have insurance. ) Eagle National Bank was contacted and advised that we dispute this charge for a service which the tow company did not render. BofA was provided insurance company information and documentation showing that our vehicle was a total loss. BofA refused to reverse the charge stating that it was a civil matter between the merchant and our company. 

Eagle National Bank refused to fully investigate this matter and is allowing a merchant charge to be deducted from our bank account in the amount of {$840.00}. We adamantly dispute this charge as it was for a service in which the merchant did NOT render but also caused an additional loss to our company of over {$22000.00}. 

Eagle National Bank feels that since I provided the tow company our debit card information, even if prior to the service, that the charge was authorized. 
",,Consent provided,Web,2015-11-20,Closed with explanation,Yes,Yes,CR1665869,2310
2015-11-20,Credit card,,Rewards,,"I redeemed my credit card points XXXX of them and the agreement was that I was to receive full value for the points {$55.00}. The organization after the fact closed my account and is preventing me from receiving full value for the points that I have earned by using my credit card. 
",,Consent provided,Web,2015-11-23,Closed with explanation,Yes,No,CR1666620,204
2015-11-20,Credit card,,Billing disputes,,"I was reported for late payment on a credit card payment, but never received a bill. I was in the process of moving within the same community in which I now live at the timethe billing would have been sent. 
And while I did not answer bank initiated Robo Calls, I became aware of an outstanding issue with the bank and immediately paid the balance in full. The total was aboutXXXXXXXX after late fees and interest. 
Eagle National Bank reported me for being late and refused to recall the report. 
It is incredible that they spend so much money on advertising then anger thetheir own customers who, in turn, tell everyone possible what a bad customer-service oriented bank it is. 
",Older American,Consent provided,Web,2015-11-20,Closed with explanation,Yes,No,CR1665830,671
2015-11-20,Bank account or service,Checking account,Deposits and withdrawals,,"I called Eagle National Bank today in order to find out why XXXX was not accepting my card online. Eagle National Bank Rep XXXX today on XXXX/XXXX/2015 started yelling at me and told me a lie that my card was not active and that she needed to activate a new card sent in the mail with beginning date of XX/XX/XXXX - I told her I did not want to do that but instead of listening to me she bulldozed and bullied over me and called a 3 way mysterious number wherein she fed all of my personal information ( card number, expiration date, tax ID Number, social security number etc ) into God knows where and to whom. The number she called was supposedly automated and it kept saying that the information she fed was not correct so she kept milking me for more security information and I got very suspicious and told her I wanted to speak to a supervisor. It appeared that and felt like she was feeding my personal financial and identification information into some XXXX fraud ring and I told her to stop. Instead of transferring me to a supervisor she transferred me back into the cue line, where I had to start the entire process all over again and spoke to someone named XXXX who then finally gave me to a supervisor. I am now herein filing a complaint. 
",,Consent provided,Web,2015-11-20,Closed with monetary relief,Yes,No,CR1666036,971
2015-11-20,Bank account or service,Checking account,Problems caused by my funds being low,,"I opened a checking and savings account in XXXX 2015. I received a letter from Eagle National Bank on XXXX XXXX, 2015 stating that my checking account was overdrawn. After logging on to the account to see what had happened, I could tell that for three months ( since XXXX ) Eagle National Bank had been charging me maintenance and overdraft fees to the tune of {$35.00} a month, causing my account to go negative and then further negative each month. All without contacting me or alerting me before charging these fees. The first notice I received was by mail with a letter dated XXXX XXXX, 2015. My savings account, opened on the same day and linked to the checking account, had hundreds of dollars in it, enough to cover any issues with the checking account. The account representatives that I spoke to tonight told me there was a minimum balance and therefore there was a charge of {$15.00} each month and once those maintenance fees were charged, they added an overdrawn fee on top of that because Eagle National Bank had overdrawn my account. I do n't remember agreeing to this minimum balance, nor do I use this account very often, so it is not unusual that I would not have noticed the fees piling up for three months. The supervisor on duty agreed to waive two months worth of fees but would not agree to waive all of the charges. This is a fraudulent practice because once the account dips below the minimum the maintenance and overdraw fees add up quickly to force a negative balance and removing the rest of the money from your account. 
",,Consent provided,Web,2015-11-24,Closed with monetary relief,Yes,No,CR1664821,2413
2015-11-20,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2015-11-20,Closed with monetary relief,Yes,No,CR1665347,2999
2015-11-20,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2015-11-23,Closed with monetary relief,Yes,Yes,CR1665712,2598
2015-11-19,Bank account or service,Savings account,Problems caused by my funds being low,,"Eagle National Bank has changed a {$12.00} maintenance fee for my savings account several times. Each time I have called, I have gotten a different reason as to why my account is charged. Each time, I have followed their instructions to avoid the fee in the future. This time, they were "" unable '' to refund my {$12.00}. 
",,Consent provided,Web,2015-11-19,Closed with monetary relief,Yes,No,CR1662992,13380
2015-11-19,Bank account or service,Checking account,"Account opening, closing, or management",,"In XXXX 2015, I opened a Eagle National Bank checking and savings account after finding a promotion online that offered {$500.00} for customers a ) opening a checking account and savings account with the bank b ) generating deposits of {$20000.00} and c ) setting up direct deposit within the first 2 months. The promotion promised a {$500.00} credit to be received to the checking account within the first 90 days. 

After opening the account, I called within the first 30 days and was told the credit would be received shortly. After 60 days, I was again assured that the credit would be received, but within 90 days. After 90 days, when I called I was finally told that I was not a targeted customer and would not be receiving this credit, however the complaint would be escalated. After the complaint was escalated, I was told I would hear back from Eagle National Bank. After not hearing back, I called again and was told they would re-escalate the complaint, but promised I would hear back within 2 weeks, but could expect a response in 2 business days. Another 3 weeks went past and I did not hear back from Eagle National Bank. I called them today XXXX/XXXX/2015 and was told that the escalated complaint had been rejected but was not provided with a rationale for why I was not contacted. 

Not only did the bank refuse to honor their promotion, they were deceitful twice to me when I waited the promised credit. During the first 90 day wait period, I was assured twice that I would be receiving the credit. It was not until the 90-day lapse period ended that I was informed I would not be receiving the promised credit. After the re-escalation process, I was promised to be contacted with the results, I was not and I was given no explanation for why I was never contacted - it appeared they were hoping I would simply forget about the issue. Their rationale for not honoring the credit was that I was not a targeted customer, which I do not recall from the promotion ( I read all fine print ). I have attached a sample of the promotion I found online, ( this includes the details of the promotion I used, I am not 100 % sure this is the direct link I applied for my account though ), there is no mention of a targeted customer. Keep in mind that the promotion was visible to any person by a simple internet search - so by definition, every person that ran a search was targeted. Again, this rationale was also not provided to me until 90 days after I had set up an account with above the minimum required {$20000.00} and also set up my direct deposit service. I am in disbelief and anger that an institution could be so blatantly deceitful in their banking processes. 
",,Consent provided,Web,2015-11-19,Closed with explanation,Yes,Yes,CR1663759,4113
2015-11-19,Bank account or service,Checking account,Problems caused by my funds being low,,"My bank account unexpectedly became overdrawn last night by {$1.00} due to the fact that a {$30.00} mobile deposit was not credited. A couple concerns are ; ( 1 ) I did n't think a bank could charge an overdraft fee for a debit transaction that caused the account to be overdrawn by less than {$5.00}? ( 2 ) It was my understanding that I had until XXXX to make a mobile deposit to be credited the same day? Seems ridiculous that a {$1.00} overdraft can generate a {$35.00} overdraft fee! 
",,Consent provided,Web,2015-11-19,Closed with monetary relief,Yes,No,CR1662466,1221
2015-11-19,Credit card,,APR or interest rate,,"For years I have had credit cards with Eagle National Bank. When I hit financial issues in 2010, they closed my accounts and began a pay out plan for me at $ XXXX/mo. and $ XXXX/mo. on each card. What I have noticed is that each month they are also charging me an "" interest fee on purchases ''. Is this a normal fee? It seems it should have been included in the payment and NOT a separate fee being charged each month. 
Please advise me as to whether this is an acceptable practice. They have already dinged my credit by closing my accounts. They came up with the payment plan so I could get rid of the account balances, which takes forever even when the card is closed! Now I notice the fee when I went in to double check my balances and got curious to check to see if anything is listed on my monthly statements. I would never have discovered this fee otherwise. 
Thank you. 
",,Consent provided,Web,2015-11-19,Closed with explanation,Yes,No,CR1662476,4179
2015-11-19,Credit card,,Rewards,,"My wife and I have had a credit card account with Eagle National Bank for a number of years. Every month we pay the balance in full, and on time. 
This credit card account accumulates cash rewards. If the cash reward is redeemed and applied to a Eagle National Bank account, there is a 25 % bonus added to the redeemed amount. 
On or about XXXX XXXX, 2015 I signed into the account online to redeem the cash rewards, which at that time was {$610.00}. My intent was to apply it to a Eagle National Bank account, qualifying us for the 25 % bonus, for a total of {$760.00}. 
The online system would not allow me to do the redemption. 
I later learned that Eagle National Bank had closed our account that day. They would not give us the reason for closing the account, but I assure you that Eagle National Bank can not say that we had done anything wrong to warrant the closure of the account. 
I called the bank four times since, and they have refused to give us the rewards that we earned by using their credit card. They say that because the account is closed that we are no longer entitled to the rewards. 
Basically, Eagle National Bank is depriving us of the rewards that we earned by using their card. We did n't have to use their card, we chose to do so because of the rewards. 
",,Consent provided,Web,2015-11-19,Closed with explanation,Yes,Yes,CR1662705,266
2015-11-19,Credit card,,Customer service / Customer relations,,"When I had been complaining to BOFA earlier this year they send me paper asking to file this complain in writing. I went to my bank the main brunch and asked for the forms to file complain. The associate told me it is no special forms and she will help me in communication to credit card division management. She did and she told me it is no need to file the formal complaint anymore since the complain was went into desired division. All I need is to wait for the answer on my request. So that, I did not send the annual amount because I was waiting for investigation and answer. Soon I had received the reminder from Credit Card division asking to proceed the payment. I call and explain to associate I am in complain and waiting for an answer. I was asked if I can pay any amount now. I was agree to pay {$50.00}. However, the bank start to charge me the late fee and increase payments percentage. This was not what I should inspect accordingly the bank associate which had helped me by mediating. I can not increase my monthly payment up to level of new demand and my debt is increasing every month since then. 
",,Consent provided,Web,2015-11-19,Closed with explanation,Yes,Yes,CR1663848,4335
2015-11-19,Credit card,,Billing statement,,"XXXX Purchased ink jet cartridge using XXXX for {$15.00} using my credit card XXXX XXXX transaction num. XXXX. The card num.. is XXXX from XXXX XXXX ServicesXX/XX/2015 Request a cancellation for item not received. 
XX/XX/2015 Creditor refund to XXXX account. 
XX/XX/2015 Supposed refound in trans. XXXXNEVER RECEIVED A REFOUND TO MY CREDIT ACCOUNT 
",,Consent provided,Web,2015-11-25,Closed with monetary relief,Yes,No,CR1662536,571
2015-11-19,Bank account or service,Checking account,Problems caused by my funds being low,,"Hi, Eagle National Bank fraudulently overdrew my account and broke the law under the Fair Debtors and Creditors act and the Privacy Act. First, they tape recorded my conversations with them without informing me of that in the beginning of conversation which is against the law. Second, They purposely held pending transactions that the merchant had already sent through. Meaning they held pending transactions for 5 days to the Monday night processing so that my account would incur NSF fees totaling {$200.00} which far exceed the amount of the total of my transactions which totaled {$40.00}. This is excessive behavior and abuse of power. I never filled out any paperwork for approval for overdraft fee payment or overdraft protection when I opened the account. They are trying to penalize me and charge me for overdraft protection that I never requested to begin with nor filled out an application stating that. To prove it, they could not find any application for overdraft protection or approval of overdraft payment application in my record when I opened the account. They are lying and severely breaking the law. They are just trying to profit from the consumers with the lowest monies in their accounts to utilize - that money that they generate from NSF fees of low income customers - to pay out to their customers with big business and big money. What they 're doing is fraud and illegal. They 're commingling funds and manipulating their currency to accumulate a substantial amount of money through NSF fees. A reasonable person under the same and similar circumstances would agree with me. You should also contact their Executive department because their regulation department will not inform their executive office of their wrongdoing because they know that they would be fired if their Executive department found out this information of their wrongdoing. I 'd like a refund of all of my NSF fees totaling {$600.00} due to their fraudulent activity and their disobedience of the law under the Federal Trade Commission. 
",Servicemember,Consent provided,Web,2015-11-19,Closed with monetary relief,Yes,No,CR1664118,2146
2015-11-19,Credit card,,Billing disputes,,"I had made a purchase of XXXX $ back in XXXX at Target. This was supposedly "" free '' if I signed up for a target credit card. I never received the card but started receiving bills for XXXX $ every month from Target on this "" free '' purchase. I called target to totally cancel the card but they are still billing me XXXX $ per month for no reason whatsoever. The card is not even activated because I have n't received it. After this call, I still received bills even though it was cancelled. They say that they will continue to bill after a card is cancelled if there is a balance on it. They are charging me XXXX $ for a XXXX $ purchase. I am willing to pay the XXXX $ for the purchase but I will not pay the additional amount for a card that was never received. 
",,Consent provided,Web,2015-11-19,Closed with monetary relief,Yes,No,CR1663808,629
2015-11-19,Credit card,,Late fee,,"I have a rooms to go credit card with Eagle National Bank. I enrolled in online statements, but the company has not provided online statements. Nor has the company provided written statements, which include the charges, due date, or amount due. The agreement states that they are supposed to issue a bill 5 days before it is due, but, instead, they issue the statement 5 days or more after it is due, when they have already applied a late fee. The late fee is applied without giving notice before the due date of when the amount is due, or how much is owed. I put them on notice of the problem, and complained about it last month. But, they did it again this month. Also, I currently do not have access to the statement allegedly issued on XX/XX/XXXX ( 5 days after the due date ), but rather, when I click on it, it gives me an error message. I believe this is a scam to make money off of late fees, since this is a zero interest for 18 months credit card. Further, they are doing this with malicious intent and full knowledge because they were put on notice of the problem last month and failed to rectify it. I have again demanded a refund of the improperly charged late fee. 
",,Consent provided,Web,2015-11-19,Closed with monetary relief,Yes,No,CR1663022,3340
2015-11-19,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-11-19,Closed with explanation,Yes,Yes,CR1664677,995
2015-11-19,Credit card,,Billing disputes,,,Older American,Other,Web,2015-11-19,Closed with monetary relief,Yes,No,CR1662723,373
2015-11-19,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-11-19,Closed with non-monetary relief,Yes,No,CR1663036,1094
2015-11-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-11-19,Closed with explanation,Yes,No,CR1662748,4412
2015-11-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-11-19,Closed with explanation,Yes,No,CR1663370,4114
2015-11-19,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-11-19,Closed with explanation,Yes,No,CR1663554,6301
2015-11-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-11-19,Closed with monetary relief,Yes,Yes,CR1663726,1170
2015-11-18,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX/XXXX/2015, I noticed a fraudulent activity on my Eagle National Bank ( EN ) account. I noticed that the Agency that perpetrated this heinous act, is the-same Agency that is withholding money from my Job payroll dept, as we agreed. Unfortunately, however, EN allowed the same agency to withdraw all the little money in my account ; that I use to feed my family, without even notifying me : thereby endangering the welfare of my family, as I could no longer provide food for my children nor pay my rent. To this end, I requested EN close the account, and they have vehemently refused, stating that I still have fees to pay. To this end, I am appealing to you to mandate EN close my account because I do not want to do business with a bank that will endanger the welfare of my family. 
",,Consent provided,Web,2015-11-18,Closed with explanation,Yes,No,CR1660963,2122
2015-11-18,Credit card,,Billing disputes,,"On this date, I 'm requesting a second review of my wife Eagle National Bank/Credit Card account Dispute charges. 

The Account No : XXXXOn XXXX XXXX, 2015, my wife and I obtained a Life XXXX XXXX XXXX ( Membership Agreement ) at XXXX XXXX , XXXX XXXX . We were explained on the meeting with representative of company about the agreement, with XXXX XXXX XXXX XXXX that you can stay in any resort or XXXX Star Hotels in the United States. We only has to communicate via telephone to Customer Service and they will make ALL reservation for us. My wife did tested this membership agreement with XXXX XXXX XXXX XXXX XXXX because, we wanted to stay at the XXXX location in XXXX. On XXXX XXXX, 2015, my wife tried several time via telephone to make arrangement for a reservations to stay at a Hotel with the Family in XXXX. NO Live Person answered the via telephone at the Customer Service on the Business Card that was provided from the Sale Person : XXXX XXXX XXXX XXXX, for the Contract Agreement No : XXXX, it appears this sale agreement was done and signed under False Pretenses and the Timeshare presentations are filled with High Pressure sales Tactics, Misleading statement and downright lies. 

On XXXX XXXX, 2015, my wife communicated via a telephone with Eagle National Bank Credit Card Customer Service to dispute this account. She communicated with the Eagle National Bank Employee Id No : XXXX. 
The employee explains to my wife that, he will forward this dispute on reference to Credit Card Account charged to the Dispute Department to address this issue. My wife is still waiting for a final decision on this case. 

We appreciate your assist to address this issueXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Cellular Phone 
",,Consent provided,Web,2015-11-18,Closed with explanation,Yes,No,CR1660572,1559
2015-11-18,Bank account or service,Checking account,Problems caused by my funds being low,,"XXXX/XXXX/15 - Eagle National Bank assessed a {$35.00} OD Paid fee due to PENDING debits reducing my balance to less than what was available for items posting. EN 's response "" While you are not charged an overdraft fee for a pending authorization, even if it brings your balance negative, the authorized funds are deducted from your available funds. '' It seems that the consumer IS being charged for pending transactions. Technically those funds should still be available for use for other transactions since the merchant has not sent it through for payment and IF when those pending items come to post in the future they THEN should be assessed fees should funds be unavailable.I was told it was assessed to a {$10.00} transfer to my other Eagle National Bank account I share with my son. 

XX/XX/XXXX Same scenario. A {$5.00} pending transaction and a recurring XXXX transaction that brought the account over by XXXX CENTS ( additional debit card transactions totaling {$10.00} over drafted the account further, even though the XXXX online statement shows my ending balance being - {$5.00} ). 

XX/XX/XXXX - When I noticed my account was over drafted in the amount of $ XXXX - which included the ending balance of - {$5.00} from XX/XX/XXXX ( inconsistent from the attached letter from the bank ), along with the following pending items : recurring Debit of {$10.00} from XXXX and that SAME {$5.00} XXXX that was pending on XX/XX/XXXX, and XXXX - {$1.00} gas authorizations - I immediately deposited {$20.00} at the branch and transferred {$14.00} from my other accounts to cover these items before they posted and over-drafted. I contacted the bank and told that II was charged an OD Paid fee for the XXXX transaction according to Eagle National Banks representative which brought my negative balance to {$45.00} approximately. 

XX/XX/XXXX - In reviewing my account this morning, I see that due to Eagle National Bank assessing the OD Paid fee, my deposits were wiped out and I have been assessed yet ANOTHER OD Paid fee for the {$10.00} XXXX charge - even though I took measures to ensure it was covered. 

I have requested from the bank the {$100.00} in fees be refunded as the information that I see online is inconsistent with the information they communicate AFTER they 're assessed the fee. They have refused. Also, they are charging fees based on the deduction of PENDING charges - money that has NOT been paid out to the merchant. 
I did not want to take these drastic measures for fear of them closing my account, but I feel I have no choice as the customer service representatives obviously simply do not care. 
",,Consent provided,Web,2015-11-18,Closed with monetary relief,Yes,No,CR1661213,3025
2015-11-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-11-18,Closed with non-monetary relief,Yes,No,CR1662234,13412
2015-11-18,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-11-18,Closed with explanation,Yes,No,CR1662057,1631
2015-11-18,Credit card,,Credit determination,,,,Consent not provided,Web,2015-11-18,Closed with explanation,Yes,No,CR1660549,3821
2015-11-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"EN has not closed my account after multiple requests and continues to charge fees. Currently they have charged {$1.00} as a "" minimum payment due. 
",Older American,Consent provided,Web,2015-11-18,Closed with monetary relief,Yes,No,CR1659054,3076
2015-11-17,Bank account or service,Checking account,Problems caused by my funds being low,,"Checking account was charged XXXX Overdraft fees, I believe only one should be charged due to an oversight on my end. I called Eagle National Bank and explained that when the ACH ( Transaction 1 ) posted the statement balance was {$2.00}, however they stated that due to pending XXXX transactions the available balance was - {$7.00} and that is why the fee was charged. Problems with this ... 1 ) they blatantly admitted they do not have a de minimis for overdraft charges and that even if an account was overdrawn XXXX cents, they would charge a fee. 2 ) the POS transactions had not actually posted and may never post due to other circumstances, however they are basing fees on these dollar amounts. 3 ) They wanted to charge the XXXX ACH transactions an overdraft fee because we do not "" opt in '' to Regulation E Overdraft charges, they would have been unable to charge on the pending POS charges. 
Eagle National Bank banks XXXX customers nationwide and use these practices daily across the ENrd. These unfair and deceptive practices must cease before they continue to harm innocent consumers. 
Each time a phone representative explained their overdraft process to me, I asked to speak to a manager. The final manager would not even get on the phone with me. I had to explain the situation to her subordinate as her subordinate typed the information to her. I persevered and finally had the erroneous {$35.00} OD fee refunded but the phone representative made it very clear that the overdraft was my fault and they stand by their process of paying and charging overdrafts. 
",,Consent provided,Web,2015-11-17,Closed with monetary relief,Yes,No,CR1660073,1481
2015-11-17,Bank account or service,Checking account,Problems caused by my funds being low,,"I filed a compliant XXXX XXXX pertaining to an account in question ending XXXX. I received a phone call tried to call back that customer service number and extension. I would appreciate to be contacted by phone and or mail, with Eagle National Bank. 
",,Consent provided,Web,2015-11-17,Closed with explanation,Yes,No,CR1659762,2958
2015-11-17,Bank account or service,Savings account,"Account opening, closing, or management",,"I have an account at Eagle National Bank and I was charged for going over the limit of transfers in between my savings and checking in the total of {$60.00}. I was never ever informed via paperwork email or online or otherwise so I was trying to get my {$60.00} back that is it. So in order to resolve this issue I would like my {$60.00} back and then I will go to another bank. 
",,Consent provided,Web,2015-11-17,Closed with monetary relief,Yes,No,CR1659585,653
2015-11-17,Bank account or service,Checking account,"Account opening, closing, or management",,"I have XXXX accounts. XXXX ending in XXXX : I have been charged a monthly fee of {$25.00} with no notice or advisement that there would be a charge for anything. I have no idea why it 's being charged after 15 years with the bank. I have emailed, and received no response. They only response I get is to call. I do n't believe it is legal to make me call as I would like their response in writing. 
Account ending XXXX : The account was charged an Overdraft fee of {$35.00} due to a {$10.00} recurring charge at should have been cancelled with the merchant. Since it has been worked out with the merchant, I wo n't be disputing it. I immediately paid the {$10.00} charge the very next day after it was charged, and emailed to request this be removed. However, I received only another {$35.00} charge. Now the account is $ XXXX overdrawn due to less than a {$10.00} charge that was immediately remedied. I emailed them about this, but the same thing, they are saying they will not address this unless I call. I no longer trust this bank, and want everything in writing. I do n't believe it 's legal to make me call them. 
",,Consent provided,Web,2015-11-17,Closed with monetary relief,Yes,Yes,CR1658159,674
2015-11-17,Bank account or service,Checking account,"Account opening, closing, or management",,"In XXXX of 2012, a fraudulent check was dispersed into my account. I was unaware and have no idea who put the check inside my account as I had my pin number written in a few places in order to remember it. I did not immediately report the transaction because it was around the time my father was going to pay my rent six months in advance. I removed the funds and paid for my rent. After finding out it was a fraudulent check I returned the money to Eagle National Bank but not before they reported me to XXXX and closed my checking account. Because I had a checking account through the institution I attended, I was not particularly worried about not having an account with Eagle National Bank. However, I have since attempted to open a checking account with a myriad of different banks and credit unions to no avail. It is highly upsetting when a mere misunderstanding that has been remedied over three years ago still seems to hinder me from financial freedom. 
",,Consent provided,Web,2015-11-17,Closed with non-monetary relief,Yes,No,CR1659645,2290
2015-11-17,Bank account or service,Checking account,"Account opening, closing, or management",,"My Eagle National Bank account was forced closed recently because of lack of funds. I was under the impression that they would decline any transactions that i had not enough money for, but since somehow XXXX is set up as a recurring charge ( which it is not ), they allowed it to go deep into the negative. That is not the worst part, upon closer review I saw that on my transaction statement I had an overdraft charge before i even went negative, which put me in the negative. In the end I currently owe {$260.00} and of that {$210.00} is in overdraft fees. I have contacted them about paying the balance of the transactions made and getting rid of some of the fees but that was not going to happen. so i now am hoping for help regarding this matter. Eagle National Bank is allowing payments that are non recurring to be processed as recurring which allows much easier ways to overdraft people. 
",,Consent provided,Web,2015-11-17,Closed with explanation,Yes,Yes,CR1659278,3958
2015-11-17,Bank account or service,Checking account,Problems caused by my funds being low,,"My rent check ( {$1000.00} ) was bounced for insufficient funds in my Eagle National Bank bank account, even thou i made a a check deposit for {$6600.00} before XXXX the day before as i was recommended by the bank 's representative. Now they Charged the check to my account and also at the same time a {$35.00} fee for check returned. If they knew the check had insufficient funds and charged a fee, why would they apply the amount of the check on my account balance, forcing my account to remain a day with an overdrawn balance?. 
After doing this, they place a hold on my bank account for {$6400.00} ( first {$4800.00} would be available on XXXX XXXX and {$1600.00} on the XXXX ). However, my complaint comes when i see XXXX different small charges ( like XXXX XXXX, or the grocery store ) that actually were prior the mentioned Check in red on my account, as the Eagle National Bank Representative told me they would charge {$150.00} ( XXXX overdraw charge fee ) only on charges plus the {$35.00} charged already ( {$180.00} total ) my complain why do the bank knowing the check has no funds, is going to be bounced and even charge a fee for it, apply the check amount to my account forcing all other transactions to produce an overdraw fee?. They are obviously forcing my account to be overdraw so they can charge this outrageous amount of fees. 
",,Consent provided,Web,2015-11-17,Closed with monetary relief,Yes,No,CR1659078,2907
2015-11-17,Credit card,,Identity theft / Fraud / Embezzlement,,"In light of discovering a fraudulent charge a year ago, I reviewed my past credit card statement and found numerous fraudulent charge, some of which were committed when someone took my credit card without my knowledge and without my permission. I tried filing the claim over the phone with Eagle National Bank and I was told that they could n't go that far back in their system and I had to submit the claims by mail. I sent the attached letter and spreadsheet and have heard nothing since then. 
",,Consent provided,Web,2015-11-17,Closed with explanation,Yes,No,CR1660330,2981
2015-11-17,Credit card,,Payoff process,,"My wife and I make monthly automatic payments to our Eagle National Bank credit card. Those payments are set on a schedule, and we overpay on the monthly amount due. In an effort to pay this credit card off in XXXX 2015, an electronic payment was made of {$4400.00} on a balance of {$4400.00}. At the time of the payment, I called EN to obtain the pay-off balance, and complained that we were charged a late fee in XXXX for a payment received on XXXX XXXX, which was due on XXXX XXXX. I requested the late fee be removed due to confusion over the holiday. The XXXX statement showed a balance of {$70.00}, including a late fee for receipt of the {$4400.00} 2 days late. Again, I contacted EN in late XXXX to complain about the late fees, and was told they were removed from my account. I paid the remaining {$35.00}. In applying for a mortgage loan, we were informed in late XXXX that EN had reported our account delinquent, and that our credit rating was damaged for what appeared to be a negligible balance. We called to complain, and learned that another late fee was charged to the account as the balance was paid off. So, we owed only the late fee. During the process of complaining to get the credit delinquency removed from our account and the late fees removed, XXXX XXXX ( XXXX ) told me that EN would reverse the late fees and update the credit bureaus by the first week of XXXX 2015. I requested a confirmation letter, which he said he would provide. Meanwhile, unknown to me, my wife paid the late fee charge. He contacted by via phone one week later to inform me that EN refused to issue the letter, correct its credit reporting and refund and reverse the late fees. As it stands, in an effort to pay this credit card off over 4 months I have paid EN all that is owed and more, and they willfully, intentionally and in bad faith harmed my credit rating, and this is after they agreed to correct the entire situation. 
",,Consent provided,Web,2015-11-17,Closed with explanation,Yes,Yes,CR1658652,2680
2015-11-17,Credit card,,Credit card protection / Debt protection,,,Older American,Consent not provided,Web,2015-11-18,Closed with explanation,Yes,Yes,CR1659223,11267
2015-11-17,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-11-17,Closed with monetary relief,Yes,No,CR1658679,4478
2015-11-16,Bank account or service,Checking account,Deposits and withdrawals,,"Hello I have XXXX complaints on file with XXXX different Banks XXXX is Eagle National Bank and the other is XXXX XXXX XXXX. The complaint with Eagle National Bank is was at the hospital and the XXXX, office all day I need to go to medical records and get copy of medical report and on XXXX/XXXX/2011 I reported the card stolen to the manager at Eagle National Bank and customer service and the XXXX XXXX Police dept. Then the other bank XXXX I was at XXXX XXXX when someone stole money from it and then I ended up again at XXXX XXXX XXXX trying to get a XXXX, I was due to have XXXX surgery so me and a friend decided we should go to the beach but we both ended up in hotel room sick she is on XXXX and I was sick with the XXXX, any way none of this makes any sense because I am just XXXX person and the bank has many people and ways of saying that I am wrong but they are not giving me a chance to provide the information need because I always end up getting sick, anyway I may be fighting this till my death bed.. but I still need my money back because I would like to move from where I am living and I should have had enough money to do that between these XXXX banks they stole XXXX that 's my money from Social Security XXXX Settlement, the should be some type of Social Worker or someone somewhere that I can sit and talk with about my Identity being stolen. Besides having the banks not help solve the problem the IRS should note how people money get stolen from the banks every year or whenever it is stolen and not replace that revenue of a person money and possibly others that do n't get to spend their own money that are stolen by banks and employee of the bank. I got a police report of my card being stolen the very same day and I did report it to the bank even though they wrote some type of letter from their dept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. Both Checking and Saving Account at XXXX Banks fees and money missing. 
",,Consent provided,Web,2015-11-16,Closed,Yes,No,CR1657802,5352
2015-11-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I am resubmitting my complaint against Eagle National Bank, but am providing additional information to prove the scope and extent of consumers ' grievances against Eagle National Bank is becoming great and far-reaching. Below is the new information ; ; source -- -XXXX : XXXXhttp : XXXXFROM XXXX XXXX : XXXX 
",,Consent provided,Web,2015-11-16,Closed with explanation,Yes,Yes,CR1660049,2235
2015-11-16,Bank account or service,Checking account,Problems caused by my funds being low,,"I attempted to close an account in XXXX 2015 because I had automatic payments I could n't get stopped. I brought the account to a zero balance as I was told, but the account did n't close.I would deposit money to the account to again bring to a XXXX balance but still would n't close.Eagle National Bank took money from my mother 's act to bring to a XXXX alance, but they still have n't closed it.Eventually the brach call the back office last month, they put stop payments on all the automatic debits, but the keep coming out. I was told to call the phone center for my fees and they basically laughed at me. I asked to speak with a manager who need called me back.Called the branch and they wo n't reverse the fees because it would count against their branch. Today they have taken {$92.00} from my regular account to put in the account that is overdrawn with automatic payments still coming. I have emailed the CEO, but I doubt I will hear anything. 
",Servicemember,Consent provided,Web,2015-11-16,Closed with monetary relief,Yes,No,CR1658226,9451
2015-11-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,"XX/XX/XXXXTo Whom It May Concern : This is a follow-up complaint against Eagle National Bank ( EN ) to case numbers below : CFPB Case Number : XXXXEagle National Bank Case : XXXXEagle National Bank A/C No. : XXXXAfter the initial complaint against the Eagle National Bank ( EN ) filed with the Consumer Financial Protection Bureau ( CFPB ) dated XX/XX/XXXX, I received a telephone call from XXXX XXXX XXXX ( Eagle National Bank Enterprise Customer Care Resolution ) dated XX/XX/XXXX, requesting supporting documents against deposited amounts into my account. 

I have mentioned that deposits that are made into my account were from sales of my personal assets overseas and sales receipts can be provided. 

I then received a letter from XXXX XXXX XXXX ( Eagle National Bank Enterprise Customer Care Resolution ) dated XX/XX/XXXX ( please see attached Exhibit # XXXX EN Letter ). 

I have replied back to XXXX XXXX XXXX dated XX/XX/XXXX with supporting documents of sales receipts of my assets. Please see followings : Exhibit # XXXX EN Respond ( Respond back to XXXX XXXX XXXX ) Exhibit # XXXX USPS Delivery Receipt ( USPS Delivery Tracking ) Exhibit # XXXX Household Items ( Sales of household items ) Exhibit # XXXX Car Sale XXXX XXXX ( Sale of Car A ) Exhibit # XXXX Car Sale XXXX XXXX ( Sale of Car B ) Exhibit # XXXX Call Log to Eagle National BankMy respond to XXXX XXXX XXXX ( Eagle National Bank Enterprise Customer Care Resolution ) dated XX/XX/XXXX along with all supporting documents received by XXXX in XXXX, NC XXXX @ XXXX XXXX on XX/XX/XXXX ( please see attached Exhibit # XXXX USPS Delivery Receipt ). 

During the first telephone conversation I had with XXXX XXXX XXXX, I explained to her that I am a XXXX since the XX/XX/XXXX. My mother was XXXX and XXXX when I moved here in XXXX. She was in a XXXX hospital ( XXXX ) since the day I set foot into XXXX. Had my mother was not in that XXXX, I would 've taken a longer time to move into XXXX after selling my personal properties. 

My mother passed away in XX/XX/XXXX. I went back home in XX/XX/XXXX to close my chapter and sell XXXX cars and personal household items ( furniture & fixtures ). The money that got deposited into the account was proceeding of sales of XXXX cars and household items. 

I have tried calling XXXX XXXX XXXX at her office number XXXX XXXX Ext : XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I left voice mails on her number each time with my name, call back number and reference of the call. Please see the call log ( Exhibit # XXXX Call Log ). 

I have been an honorable man with a respectable credit history all my life. These are all my hard earned money which I need to survive here with my family in my new country. I am now facing financial hardships due to lack of useable funds. I urgently need my money back for my college bound son to admit in our college of choice. I am deeply puzzled with my current financial situation with EN and need CFPB 's help to resolve this. 

I believe that I have been treated very poorly thus far and I am very disappointed with Eagle National Bank. I have attached all the relevant documents for further review and hope to hear from CFPB and EN as soon as possible to close this chapter. 

With sincere thanks in advance and looking forward for your response. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX : XXXX : XXXXXXXXXXXX 
",,Consent provided,Web,2015-11-16,Closed with explanation,Yes,Yes,CR1657737,4180
2015-11-16,Credit card,,Billing disputes,,"Dear Sir/Madam, My name is XXXX XXXX. This complaint is about the Case number : XXXX. 
Two days ago I checked the status of this case still in "" Dispute '', but today when I try to respond and the status is "" Respond Not Disputed ''. I do not know the reason why, because I do not respond any thing yet. Please do not close this case Because XXXX has unfair practice to U.S citizens. We need your helps. 
Below is the regional case story : Response not disputedBank America said : Explanation of closureOur expalination is attachedReliefOn XXXX XXXX, 2015, I spoke with XXXX XXXX regarding his complaint. During our conversation, we discussed that his previous claim with XXXX XXXX was denied as he directly engaged with the merchant for the XXXX transactions totaling {$2800.00}. I explained to XXXX XXXX that because he engaged directly with XXXX XXXX to purchase these tickets, we are unable to pursue these transactions as unauthorized. 
During our conversation, I confirmed that a partial refund totaling {$1000.00} was provided by the merchant, XXXX XXXX, on XXXX XXXX, 2015. XXXX XXXX was also informed that we are currently pursuing this matter through the pre-arbitration process with the merchant. XXXX XXXX was informed that the pre-arbitration claim was submitted on XXXX XXXX, 2015, and the merchant is allowed 45 days to respondResponseEagle National Bank is reviewing your inquiry. We require additional time to provide you a complete response. We will update the status of your inquiry on the portal with our response as quickly as possible. 
What happenedDescribe what happened so we can understand the issue ... 

Dear Sir/Madam, We are XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX charged our XXXX XXXX credit card XXXX amounts of {$1400.00}, altogether was {$2800.00} without our consent. The story was : On XXXX XXXX, 2015, We used our XXXX XXXX credit card booked and paid for XXXX round trip tickets from XXXX to XXXX for {$1000.00} each through XXXX. 
The round trip ticket shows, we fly with XXXX from XXXX to XXXX and fly back by XXXX XXXX. 
On XXXX/XXXX/2015, We ENrded and flied with XXXX was fine. The return trip on XXXX/XXXX/2015 with XXXX XXXX which check-in and ENrding was smoothly, they DID NOT said any thing wrong with our tickets. until we checked our XXXX credit card statement. We found out XXXX UNAUTHORIZED charges of of {$1400.00} each, altogether is {$2800.00} by aircanada.com on the date we flew back from XXXX to XXXX on XXXX/XXXX/2015. These return trips were included in our PAID round-trip tickets. Why they charged us again for the trip we already paid for. 
First We called XXXX XXXX to complain about XXXX unauthorized charges, they said we need to contact XXXX XXXX to solve these problems, which We did. 
After weeks of complain with XXXX XXXX, on XXXX XXXX, 2015, they only credited us XXXX of {$530.00} ( Refunded XXXX money of round trip ticket? ). We think the XXXX credits of {$530.00} were NOT the right amounts which XXXX unauthorized XXXX charge of {$1400.00} each, still {$1800.00} short. 
On XXXX XXXX, 2015, We sent registered mail to XXXX XXXX to complaint about their credits to us were NOT right amounts, but they replied "" Was unable to obtain credit to our account ''. These were really unfair practice of Eagle National Bank to their customers. PLEASE help us to get back our hard working and saving money back. 
Thanks for your reading time and helps. 
Sincerely. 
XXXX XXXX and XXXX XXXX XXXX is my "" RESPOND '' : XXXX said "" I engaged directly with Air-Canada to purchase the ticket ''. On XXXX, 2015, I only CHECK-IN with my paid tickets, NO PURCHASE new tickets at the counter PERIOD. 
Can XXXX shows me the credit card receipt with my SIGNATURE agreeing pay for the tickets on XXXX/XXXX/2015. ThanksXXXX XXXX 
",,Consent provided,Web,2015-11-16,Closed with explanation,Yes,Yes,CR1657900,11083
2015-11-16,Credit card,,Closing/Cancelling account,,"I just found out today XXXX/XXXX/15, after reviewing my credit report that Eagle National Bank canceled my visa credit card. I have paid all my payments on time. When I logged in to the chat line and asked why was my account canceled, reply was "" We decided to cancel your account ''. This has effected my credit score. 
",,Consent provided,Web,2015-11-16,Closed with explanation,Yes,Yes,CR1657745,130
2015-11-16,Bank account or service,Savings account,"Account opening, closing, or management",,"I filed a CFPB complaint against Eagle National Bank on XXXX XXXX, 2015 -- Case number XXXX. Eagle National Bank 's reply was not at all satisfactory. Aside from the reply 's failure to address the issues I raised in my complaint, it claimed that EN deposited {$30.00} to my account as compensation. However, I never received any such deposit -- in any of my EN accounts. Therefore, I filed a dispute on XXXX. I still have never received the said {$30.00} deposit, nor any communication directly from EN. I believe that their actions, as described in my original XXXX XXXX complaint and XXXX XXXX dispute, constitute unfair and deceptive practices. Given the absolute black and white nature of whether or not they made the said compensatory deposit to my account, in addition to the many other issues regarding crediting my savings account with the wrong interest rate multiple times, I believe that it is appropriate for me to file this new complaint, as was suggested to me by a CFPB phone representative. As detailed in my original complaint and dispute, I fear that countless other EN customers are being paid far less interest than what they are entitled to, and that they are not aware of the situation and/or do not have the ability to deal with the problem. Also, I am amazed that EN stated to your Bureau that they made a deposit to my account which, now, weeks later, still has not been made. 

Please note that I just moved to XXXX FL from XXXX MA a few days ago. My original address was XXXX XXXX XXXX # XXXX, XXXX, MA XXXX ; my original phone was XXXX. 
",,Consent provided,Web,2015-11-17,Closed with explanation,Yes,Yes,CR1657706,995
2015-11-16,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-11-16,Closed with explanation,Yes,Yes,CR1657728,1677
2015-11-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-11-16,Closed with explanation,Yes,Yes,CR1657131,3763
2015-11-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Hi, I am a Eagle National Bank customer living abroad. I had money transfered to EN from a bank here in XXXX where I live. The money was sent with all information correct except the XXXX. A trace was done on the amount of XXXX $ and XXXX ( the intermediary bank ) is said to have sent the money to Eagle National Bank, but no information is being given regarding the funds. There has been no receipt of the funds and it has not reached my bank in over 1 month. I am receiving overdraft fees and little help from any of the American banks ( XXXX and Eagle National Bank ). EN is not responding to the trace sent by XXXX. In speaking to EN they are saying, they do not see any traces. I have called every week and I am getting no help from my bank 's end in investigating. I had family go to both EN and XXXX but they were of little help. Again, information from XXXX has been sent to EN regarding my case as XXXX has opened an investigation. For some reason EN has not responded to any of XXXX 's trace inquiries. I have attached documents from XXXX XXXX regarding this case. I really need help. 
Thank you. 
",,Consent provided,Web,2015-11-15,Closed with monetary relief,Yes,No,CR1655792,1316
2015-11-15,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a small business checking account with Eagle National Bank, in part due to a {$100.00} bonus promotion. As shown in the attached advertisement ( which has been front and center on their home page for most of the year ), EN promises a {$100.00} bonus posted to the account within 90 days, so long as a deposit of {$1000.00} or more is made within 60 days of the account opening date. The promotional ad and terms do not indicate that any other action is required other than depositing the required amount within that time frame. I have attached documentation showing a deposit of {$2000.00} on XXXX XXXX, 2015, less than one month after opening the account ( on XXXX XXXX, 2015 ). This falls well within the 60 day window stated in the fine print ). 

I have since had XXXX conversations with Eagle National Bank customer service personnel ( some of which have lasted an hour, as agents round up information from various departments trying to figure out why the debit has not been posted ). Each confirmed that I seem to have met the criteria for the statement credit, and forward the complaint along for resolution. I only received a response from the company on XXXX of the XXXX requests for service that I filed ( Case # XXXX ), in which the emails states "" Resolution action : Unable to complete as desired. To ensure the safety of your personal information we can not provide details related to your request in this notification. '' Upon calling the company, the agent noted that the back office requested I come into a branch, though this did not make sense to the agent given that it was an online promotion. The agent was not able to locate additional information, and promised to file another service request, but I did not receive a response. 

I have done as much as I can, and wasted a great deal of time that I could have spent more productively. Each time I am promised a resolution, which never materializes. I doubt that I am the only XXXX experiencing difficulties in receiving this promotion, and hope that some justice can be done. It is deplorable that Eagle National Bank continues to promote this on their homepage while refusing to honor their commitments. They have already roped me into a number of fees commensurate with the bonus, but are refusing to take responsibility for their own commitments to their customers. 

As a small businessperson myself, I appreciate businesses that provide value to their customers rather than draining them of resources, energy and time. It is sad to see that Eagle National Bank seems to fall in this latter category and that I am brought to seek out a regulatory institution to get a resolution. I am glad that there is a recourse to protect consumers who are being treated unfairly by the businesses they pay for service. 

XXXX XXXX, XXXX, XXXX. 
",,Consent provided,Web,2015-11-15,Closed with monetary relief,Yes,Yes,CR1655857,74
2015-11-15,Credit card,,Transaction issue,,"The merchant XXXX/ XXXX XXXX charge {$3400.00}, $ XXXX monthly and {$9500.00} to XXXX different credit cards of Eagle National Bank ( accounts ending numbers XXXX and XXXX ) I presented disputes regarding all this charges because this merchant is a fraud and have not fulfill the contract stating verbal promises and emails that are n't true. I send different letters to Eagle National Bank explaining with documents and emails that sustained my claim. Eagle National Bank credited {$9500.00} and I closed the account. Nevertheless, Eagle National Bank refused to credit the charge of {$3400.00} and this merchant is still charging $ XXXX monthly to an account that I cancelled. I want the full credit back because this company had breech the contract and is offering me a whole different one and Ive been a victim of a fraud. I do n't want Eagle National Bank to process or let XXXX made future charges of {$150.00} to my cancelled credit card account which ends in XXXX. 
",,Consent provided,Web,2015-11-16,Closed with explanation,Yes,No,CR1655817,10528
2015-11-15,Credit card,,Credit card protection / Debt protection,,"On XXXX XXXX, 2015, I made an online purchase for a professional exam review course from what appeared to be a reputable website ( XXXX logo was displayed ). Instead of the review course, I received used and outdated books, and merchant was slow to respond. I disputed the charge with my credit card company, Eagle National Bank. The disputed charge was not reversed. After repeated calls, Eagle National Bank told me I would need to fill out a dispute form, which they would send via USPS mail service. It took several weeks - and multiple phone calls to Eagle National Bank - before the dispute form arrived. 

Meanwhile, I continued attempts to work with the merchant, and on XXXX XXXX, 2015, the merchant stated in an email, "" I instructed our Finance department to put the refund through. It usually takes 4-5 business days to process and show on your account. '' Eagle National Bank was provided with a copy the email communication from the merchant. Still the charge was not reversed. Eagle National Bank billed a late fee to my account while the dispute was pending. After another hour on the phone, the bank agreed to reverse the fee. 

Meanwhile, on XXXX XXXX, multiple fraudulent charges appeared on my Eagle National Bank credit card account. I strongly suspect the scammer-merchant sold my account information. I called Eagle National Bank immediately. Eagle National Bank did not advise me to file a police report, nor did the bank advise me about placing a fraud alert on my account with the credit bureaus. Fortunately, a XXXX search did. I filed police reports with both my local police and police in the state where the charges were made. I also initiated a fraud alert with the credit bureaus. Eagle National Bank took over a week to reverse the fraudulent charges. 

On XXXX XXXX, 2015, I filed a complaint with the Consumer Finance Protection Bureau ( Case # XXXX ). Eagle National Bank responded by posting a credit to my account for {$1600.00}, the amount of the initial merchant charge. The bank 's response did not mention this was a "" conditional '' credit. 

On XXXX XXXX, 2015, I received a letter from Eagle National Bank which included the following "" chargeback response '' from the merchant : "" We have not received the books back. Therefore, we have not processed the refund. Customer needs to return the books. '' The merchant had not acknowledged prior requests for return merchandise authorization ( RMA ) or provided an address to which the materials could be returned. 

On XXXX XXXX, 2015, I mailed all materials back to the merchant at the address provided in Eagle National Bank 's letter ( USPS Tracking No. XXXX ). I faxed ( on XXXX ) and mailed ( on XXXX ) a response to Eagle National Bank, which included a copy of the USPS receipt as evidence that the materials had been returned to the merchant. The merchant accepted delivery of the materials on XXXX XXXX, 2015. Eagle National Bank did not finalize the credit. 

Eagle National Bank re-charged my account for the full amount of {$1600.00} on XXXX XXXX, 2015. A Eagle National Bank representative told me, on XXXX XXXX, that the merchant alleged a check had been sent to refund the charge, the bank had closed the dispute, and I would need to make any further dispute directly with the merchant. I have not received a check for {$1600.00} from the merchant. I will not accept a check from the merchant, as I would then have no protection should the check turn out to be a "" bad check. '' I expect the refund to be processed back to my Eagle National Bank credit card, in the same manner the initial charge was made. 

Eagle National Bank has not provided useful advice and has not protected me. It has undermined the consumer protection supposedly afforded by using a credit card, abandoning my dispute, choosing to accept false statements made by the merchant without proof or evidence. It has advised me to settle with the merchant, to my loss. My confidence in Eagle National Bank has been seriously eroded by its handling of these events. I am very disturbed about the level of service provided by this bank. 
",,Consent provided,Web,2015-11-15,Closed with monetary relief,Yes,Yes,CR1655883,255
2015-11-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-11-15,Closed with monetary relief,Yes,No,CR1655753,4807
2015-11-14,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank has an established policy of charging {$100.00} for a legal order. That includes any request from an authorized agency to debit, freeze, withhold, or otherwise place a limit on an account. I know about this policy and I know I agreed to it. I still think it 's outrageous and excessive. 

I was recently charged {$100.00} because the State of California requested a debit on my account for {$100.00} for state taxes owed. Whether I owe this amount or not is not Eagle National Bank 's concern, and I certainly expect the bank to respond appropriately to authorized agency requests. What I have a problem with is the {$100.00} fee. That {$100.00} has nothing to do with the State of California ; it 's purely the bank 's policy. It 's ridiculous for the bank to charge {$100.00} when it 's almost certain that no human being had any part in processing the State of California 's request. It 's substantially more offensive than the {$35.00} fee they charge for insufficient funds ( which again, no human being had any part in processing ). At least for insufficient funds the bank has a legitimate problem with the customer. But the {$100.00} legal fee? Bank customers are basically being charged for a few milliseconds of computer time. If the account has the funds to fulfill the agency request, why is the bank charging a fee? What is it for? Just an extra opportunity to really stick it to the customer? 

I called the bank and their representative said that there was nothing he could do about the fee, since it was in compliance with bank policy. Yes, it 's bank policy. I get that. I 'm not stupid. But I can promise Eagle National Bank this : I will absolutely file a complaint every time the bank charges me a disproportionate fee for a service that essentially costs them nothing. I will file a complaint every time the bank charges me a fee that clearly impacts low-income individuals disproportionately more than high income individuals. I will not choose the "" tell a story '' option. I will file a complaint. At least then the bank will be obligated to have a human being personally respond and mail me some dead tree correspondence, and I 'll get my money 's worth for all the fees they charge. 
",,Consent provided,Web,2015-11-14,Closed with explanation,Yes,No,CR1655941,2457
2015-11-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have mailed a validation letter requesting that they explain and show me how they calculated what you say I owe. I mailed this letter on XXXX XXXX, 2015. It has been more than thirty days and have yet to receive proper validation information on this account. They continue to report this account on my credit report however I am trying to understand why they claim I owe this debt. 
",,Consent provided,Web,2015-11-14,Closed with explanation,Yes,No,CR1655703,1829
2015-11-14,Bank account or service,Checking account,Using a debit or ATM card,,"To whom this may concern, my name is XXXX XXXX XXXX and i have recently been a victim of funds stolen from my Eagle National Bank account via several ATM withdrawals as well as thousands of dollars worth of purchases of online merchandise. As soon as i became aware of suspicious activity i immediately notified Eagle National Bank. i was instructed to file a police report which i did. upon my own investigating i even went as far as identifying the alleged culprits. as far as revealing the culprits as my own daughter and closest friend. as i was told by a Eagle National Bank agent, if i were to file a police report with full and utter intent to prosecute, then my funds would be replaced into my account. well i have done everything that i am supposed to do to my understanding and i currently have multiple theft claims with EN that have all been denied and the reason that EN continuously gives me is that they have come to the determination that they feel that due to the fact that a small portion of the stolen funds were via ATM withdrawal that a fraudulent claim is highly unlikely. ok. that is understandable but it seems that the bank is choosing to focus solely on the UNAUTHORIZED ATM withdrawals and seemingly ignoring the majority of the theft which are thousands of dollars worth of unauthorized purchases byalleged culprits which i can and will name as XXXX XXXX XXXX as well as my own blood daughter XXXX. i have followed proper protocol pertaining to Eagle National Banks instructions and still after all of my complete and utter compliance Eagle National Bank has still yet to replace my stolen funds. I am reaching out to you for help. I am completely willing to do whatever i have to do to have my funds reinstated. i have mor than taken the first steps by identifying the criminals and have filed a report with the authorities. please contact me with some sort of information. because all i want is to have someone to hear my case and replace my stolen funds. Eagle National Bank is of no help. all i want is justice. please someone contact me. i honestly feel as though i am being underestimated because i am sufferer of mental illness. i am reaching out to you for help. I have copies of my police report. against my own daughter and my dearest friend. both of whom mutually conspired to steal funds from my account. i have had approximately XXXX unwillingly stolen from my account and all i am asking is for assistance in having those moneys replaced. i am a victim and am willing to do whatever need be done to have my stolen funds justifiably replaced. please please, i dont know where else to turn. please contact me as soon as possible at phone number XXXX XXXX XXXX email XXXXXXXXXXXX home address XXXX XXXX XXXX XXXX va XXXX please get back to me if for nothing else then for enlightenment. as i said before i will legally comply in anyway necessary so that either justice can be served and or i can obtain closure. i highly anticipate your call. please help. 
",,Consent provided,Web,2015-11-14,Closed with explanation,Yes,No,CR1655509,3899
2015-11-14,Credit card,,Rewards,,"Eagle National Bank credit card promised in writing triple XXXX miles for credit card charges made from XXXX through XXXX 2015. I made almost {$10000.00} in credit card charges all of which have been paid based upon this promise. Eagle National Bank refuses to honor the agreement even though I have submitted the confirmation email to them. They have wasted my time with circuitous to empty emails, phone calls and chat rooms. I believe they have misrepresented to induce more purchases. Thank you very much 
",,Consent provided,Web,2015-11-18,Closed with explanation,Yes,No,CR1655665,1765
2015-11-14,Credit card,,APR or interest rate,,,,Consent not provided,Web,2015-11-14,Closed with explanation,Yes,No,CR1655566,4010
2015-11-14,Credit card,,Other,,,,Consent not provided,Web,2015-11-14,Closed with non-monetary relief,Yes,No,CR1655954,917
2015-11-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-11-14,Closed with monetary relief,Yes,No,CR1655440,997
2015-11-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-11-14,Closed with explanation,Yes,No,CR1655541,651
2015-11-13,Bank account or service,Checking account,"Account opening, closing, or management",,"1 ) I met with XXXX XXXX XXXX at my local branch and signed up for a promotion that would give me {$1000.00} bonus after opening a Select Business checking account, a business credit card and spending {$2000.00} on it within 60 days of opening. The terms of the promotion stated that within 90 days of meeting the requirements, the bonus will be posted to my account or if not, that they will mail me a check. I fulfilled the requirements for the promotion on XXXX XXXX, 2015 and am already past the 90 day waiting period needed for the bonus to be posted. I have made numerous calls to XXXX XXXX as well as other B of A representatives to follow up on the bonus, since I had already waited the 90 days after fulfilling the requirements. On XXXX occasions, I was misled and given the wrong information by B of A customer service ; XXXX XXXX, on the other hand, has been ambiguous, misleading and unhelpful. On our last telephone communication XXXX XXXX, he told me that I will have to wait ANOTHER 30 days. Then before this same conversation ended, he said it would take another 30 to 60 days. He kept changing the information/data he was giving me as we talked. 
- I believe I should have already received the {$1000.00} bonus by now since it is past 90 days from when I have fulfilled ALL the requirements of the promotion, including keeping all said accounts open and in GOOD standing. 
2 ) XXXX XXXX managed to mislead me and my husband by opening XXXX checking accounts, when for the purposes of the above promotion, ONLY XXXX checking account was required to be opened. I communicated my concern that there have been XXXX checking accounts opened, instead of just XXXX, which was what we intended. He told me not to worry about it - that he usually opens XXXX accounts for clients, since the second account would come free anyway. Because I did not want to jeopardize the conditions of the promotion, I did not close the extra ( XXXX ) checking account. Looking back now, I believe that XXXX XXXX intentionally opened XXXX checking accounts, when we intended to open only XXXX account - perhaps to fulfill some bank quota requirements to benefit him. 
",,Consent provided,Web,2015-11-13,Closed with monetary relief,Yes,No,CR1653478,4417
2015-11-13,Bank account or service,Checking account,"Account opening, closing, or management",,"I have a joint checking account with my mom. I keep it open because it allows me to have free checking on my individual bank account. I went to Eagle National Bank in person with my original marriage license in order to change my name on my accounts. They will not allow me to change my name on the joint account unless the other person is at the bank with me, yet they will allow the other person to close the account and take the funds without my knowledge. As a joint holder I should have XXXX access and be able to change my name with the proper legal documentation. 
",,Consent provided,Web,2015-11-13,Closed with explanation,Yes,No,CR1653946,2228
2015-11-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have had my checking and savings accounts with Eagle National Bank for almost 20 years. I logged into my accounts today and see that they had a maintenance fee of {$12.00} per month on a debit card account I keep for my wife. So I called Eagle National Bank to see why they were charging me for a service I 'd gotten for free for 7 years. When I called they said they changed my account. Without my consent??? Why does B of A have the right to blindly change my account ... ... then charge me for something that has been historically free? Imagine if mortgage companies could blindly change your rate just because they wanted to increase profit margins. This is an unfair and unethical business tactic. They said they sent me something but I did not receive it. Please stop this unethical practice from happening to others. Its a violation of the trust we bestow in the big banks. Please fight for my rights!!! 
",,Consent provided,Web,2015-11-13,Closed with non-monetary relief,Yes,No,CR1653829,5233
2015-11-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I went to Eagle National Bank to make a bank transfer to XXXX it 1st goes to a XXXX bank, can not be done on lineThe bank associate did not listen to me and sent the banktransfer direct to XXXX, client called, said money is beingreturned, went back to the bank the associate said she wouldhave the transfer returned and sent another bank transfer, the associate forgot to have the 1st transfer returned so thethe client got XXXX bank transfers of $ XXXXI sent a email to the XXXX of Eagle National Bank it has been7 weeks, and Eagle National Bank says its my fault and want to our company to settle for half the money $ XXXXI never thought that Eagle National Bank would act this wayto a client..they have refuse to take any blame and refuse to refund our money this started XX/XX/2015How I found out the associate forgot the have the transferas I call the bank transfer department and they told me the1st transfer was never stopped so on XXXX/XXXX/15 I called thebank, that is when the associate did the return of the 1sttransfer 
",Older American,Consent provided,Web,2015-11-13,Closed with explanation,Yes,Yes,CR1654272,1409
2015-11-13,Credit card,,Credit determination,,"On XX/XX/XXXX, I received a bombshell letter from one of my credit card companies, FIA Card Services ( Fidelity Investments ) saying that my MasterCard account had been canceled for XXXX reasons : history of delinquency ; balance relative to credit lines too high. Neither is true. I 've had the account since XX/XX/XXXX, and I 've never once been late. For the last XXXX years, I 've paid all my credit card balances in full each month. Of my available credit, I utilize less than XXXX %. How can anyone consider that excessive? The "" delinquent '' bill in question turned out to my Eagle National Bank MasterCard, in the amount of {$25.00} [ I made a donation to my XXXX XXXX XX/XX/XXXX but never received a bill ]. The FIA Card Services letter referred me to XXXX XXXX XXXX to dispute it. I tried calling FIA direct but they basically said their decision was final, that I was a "" poor credit risk. '' Up until this happened my FICO score was XXXX. It 's now dropped to XXXX. Yes, I paid the bill XXXX XXXX [ It took 2 hours and required purchasing a {$9.00} online report from XXXX, unless I wanted to wait 2 weeks for the snail mail version, to even find out what it was that I owed and to whom. ]. Their behavior seems more than a little draconian. Please, can you help? 
",Older American,Consent provided,Web,2015-11-13,Closed with non-monetary relief,Yes,No,CR1654799,3640
2015-11-13,Bank account or service,Checking account,Deposits and withdrawals,,"Dear Sir/Madam, Recently, I encountered a situation where a check that was written to a party ( who was a family member ) did a mobile deposit and in person deposit twice w/ XXXX XXXX XXXX . This was a mistake ( human error ). 
Once the person found out that this was a mistake, he informed his bank - XXXX XXXX XXXX in CA. 
The bank told the person that it will be taken care of and it will not be submitted. The reality was otherwise. 
While my bank - Eagle National Bank accepted the check again withdrew money again from my account. I was told that there are XXXX separate processing XXXX for mobile deposit and other is for in person bank deposit. 
When I questioned my bank what precautions are you taking if I were to write a check to a party that could be substantial amount and that party decides ( because of this loop hole ) to deposit a check multiple times, my bank will withdraw money from my account as many times as the person who tried to deposit. My bank ( Eagle National Bank ) had no answer and there is nothing in their system to detect this scenario. 
My request to Federal agencies is to mandate and provide guidelines to all banks here in US for all US depositors to be protected against above scenario which is highly likely when it comes to fraud. 
",,Consent provided,Web,2015-11-13,Closed with monetary relief,Yes,No,CR1653689,946
2015-11-13,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I live in XXXX. .On XXXX XXXX 2015 I visited my grandmother in XXXX. I opened a checking account at Eagle National Bank to deposit a gift she gave me. I received a debit XXXX card as well. It was activated on the spot. I put the card in my wallet, returned home to XXXX, put the card in a drawer and never used it. I returned to XXXX yesterday ( XXXX XXXX ) and opened the bank statements that were waiting for me. Someone had gotten into the account and/or stolen the debit card number and made many small purchases ( the largest was about {$440.00} ) from XXXX XXXX until XXXX XXXX. When the balance in the account reached {$280.00} they stopped using the card. I immediately took the statements and went to the bank. I canceled the card and closed the account. The bank refused to help. They said that before they could investigate they would need a police report. However, they also said that since 45 days had past since the theft, I was over the permitted time limit and it was no longer their responsibility. I filed a police report immediately. It will be ready in about 10 days. I also filed an affidavit with the FTC. I called XXXX and they explained that the 60 day limit only applied to card theft - the card was not stolen and therefore there should be no limitation to the bank 's responsibility. I called FTC again and they referred me to you. 
Please note that I live overseas and would prefer to communicate by email only. Any regular postal mail sent to XXXX XXXX XXXX would require the involvement of my XXXX year old grandmother and I would prefer to deal with this issue myself. Thank you. XXXX XXXX 
",,Consent provided,Web,2015-11-13,Closed with monetary relief,Yes,No,CR1654535,3932
2015-11-13,Credit card,,Rewards,,"I received an offer by mail from Eagle National Bank to open a credit card account. They promised a cash reward of {$200.00} if I spent {$500.00} using the credit card within 90 days of account opening. I applied for the credit card on XXXX XXXX, 2015 by mail, and spent over {$500.00} by XXXX XXXX. Their rules for the program promise to pay the bonus within 6-8 weeks after the eligibility criteria are met. I have still not received the bonus even though it is now more than 15 weeks since I met the eligibility criteria. I called Eagle National Bank on XXXX XXXX. They insisted that I FAX them a copy of the offer I received, which I did. I called again yesterday. They told me that the reward would be posted to my account by today. It has still not been posted. They continued their runaround today by telling me they mailed my FAX to "" corporate '' and were still "" investigating ''. The agent offered to let me speak to a supervisor, and then kept me on hold for over XXXX minutes without a supervisor coming on line. 
",,Consent provided,Web,2015-11-13,Closed with monetary relief,Yes,No,CR1653769,2615
2015-11-13,Credit card,,Billing disputes,,"Target billed me XXXX on XXXX XXXX with late fees. we paid the bill and have proof the check was paid to target via my bank. My bookkeeper and I have been dealing with target on a weekly basis since then to no avail. They have not process that amount and continue to add finance and late fee charges. We are always put on hold, told they will call us back and this never happens. 
",,Consent provided,Web,2015-11-13,Closed with monetary relief,Yes,Yes,CR1653587,2010
2015-11-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Eagle National Bank was unable to return money stolen from me trough fraudulent use of my debit card because they were closed for the holiday on XXXX. Even though I called the fraud/lost card center I was referred to the claims department which was also closed. I explained several times to different employees that I just opened the account and that I desperately needed the funds returned right away so I could make needed purchases I was shocked to learn that no one in the fraud department was able to issue temporary credits, not even supervisors. I ca n't believe that Eagle National Bank 's security was breached so easily ( my new card has a micro chip ) and also that everyone was so helpless ( especially me ) just because of a holiday. Anyone needing to make a car payment or pay their mortgage would have had their credit ruined because of their inefficiencies. 
",,Consent provided,Web,2015-11-12,Closed with monetary relief,Yes,Yes,CR1652839,488
2015-11-12,Bank account or service,Checking account,"Account opening, closing, or management",,"Between XX/XX/XXXX, I opened Personal and Business Checking and Savings Accounts at Eagle National Bank. 
The accounts were fairly active. XX/XX/XXXX Eagle National Bank 's early warning department flagged my account for insufficient funds and closed my accounts, requiring that I pay my the NSF 's and bring my account current before the accounts can be reopened. I subsequently paid all those accounts and requested that those accounts be reopened. 
Eagle National Bank reviewed the accounts and claimed they will never open any account in my name ever again, on the assumption of illegal operation. Since their was neither an investigation or proof of any illegal activity or any intent to be fraudulent, I want to know if Eagle National Bank or any bank can arbitrarily refuse an american citizen or a us resident access to banking services. 
",,Consent provided,Web,2015-11-12,Closed with explanation,Yes,No,CR1651329,4119
2015-11-12,Bank account or service,Checking account,Deposits and withdrawals,,"My husband and I have had a EN account together for over 10 years. A few years ago I noticed an automatic debit from our account of {$150.00} that was not associated with any company and I feared a fraudulent transaction so I called the fraud line and the associate was as surprised as I was because there were no transactions details. She agreed to investigate. A day later we were informed that it was a EN charge and they indicated that this charge was for a safety deposit box that my husband and his former spouse had together 20 years ago in another state. We were also informed that the debt would continue to accrue unless we flew back to XXXX ( we now live in XXXX ) and paid to have the box drilled to the tune of {$170.00} and emptied ( former spouse had both keys and had agreed verbally to empty and close the box which was not done ). 
EN was unable to collect from his former spouse because she was now with another bank. Apparently during an audit EN discovered that my husband now again held a EN account so they debited our joint account - without any notice, identification or information re : the reason for the charge that was actually owned by my husband and his former spouse. After all even the bank technician was mystified by the debit and to investigate. All total we were changed {$320.00}. I can actually understand the drilling fee. But I can not understand the legality of charging our joint account-under the cloak of darkness- especially when this charge is ultimately shared by me, an innocent party. My question : was this legal? Was it proper? Is my husband jointly and severally liable for that prior debt and by default so am I because I share a new account with him at EN? If so, can a bank just randomly charge our jointly held account for debt owed by my husband and his former spouse just because they have access to our account and can do so without notice at all? Thank you for your assistance. 
",Older American,Consent provided,Web,2015-11-12,Closed with explanation,Yes,No,CR1651728,3160
2015-11-12,Bank account or service,Checking account,Problems caused by my funds being low,,"This has happened many times both to me and Eagle National Bank customers -- $ XXXX {$40.00} overdraft charges. I have first written the Florida Attorney General 's office. XXXX XXXX directs me your way. Below is the entire request -- what happened, desired resolution, etc. A global problem for all B of A customers. XXXX XXXX, XXXX XXXX, etc. Here 's the full petition : From : XXXX XXXX [ XXXX : XXXXXXXXXXXX ] Sent : Wednesday, XXXX XXXX, 2015 XXXXTo : 'CFO XXXX XXXX : RE : Bank Overdraft ChargesXXXX, I, like millions of others signed on to Eagle National Bank 's encyclopedia of terms and conditions as a precondition to establishing our mutually beneficial financial relationship, agreeing to pay {$35.00} for every overdraft. Yet so many people simply do not use banks because they do n't eat for the month if they incur a couple overdraft fees. [ Do n't let me get diverted railing at yet deeper bottom feeders such as XXXX. ] My latest situation : an overlooked doctor bill payment of {$48.00} and a check to a friend for a concert ticket for {$47.00} kicked up XXXX {$35.00} O/D fees, totaling {$70.00}. Promised money arrived late. With worse timing, I could have been hit with another {$35.00} O/D fee if, say I 'd charged another {$2.00} for a XXXX, or my {$5.00} automatic payment to NPR had hit when I was overdrawn. If I do n't make it good in five days, I 'm hit with additional fees of similar magnitude. Bad gamble, yes. 
How much does it cost the bank to cover my XXXX checks for three days? Let 's assume they must pay 30 % interest as cost of funds to make my checks good. That 's less than 0.1 % a day. Of course it 's a preposterously high assumed rate. On my deposits I 'm credited nothing, or maybe 0.1 % if I keep a {$3000.00} average balance. Back to their in fact totally nominal interest cost for fronting me, but sticking with the preposterous 30 % interest assumption. On a {$100.00} overdraft, that 's under XXXX cents a day ( = XXXX XXXX 30.00 % / XXXX ). For three day it 's XXXX cents, more like a quarter. The bank collects {$70.00} from me, a return of over XXXX investment. Sure, some customers never make B of A whole. Very few ; they need the checking account to operate their lives, so the vast majority repay. 
Now focus on me -- I auto deposit $ XXXX every month to my checking account, year over year. Pensions. I have had a B of A account for 10+ years. The bank 's risk of getting stiffed by customers such as me is next to nil. The labor and expense of executing an overdraft charge is nil -- the computer system does it automatically. 
The banks ' rationale is "" All the other banks charge the same, even more, {$37.00}, XXXX, XXXX -- it 's a competitive market level amount we charge. You should manage your money prudently. Plus you agreed to it, we disclosed it upfront, so where 's your rip? "" There exists an extremely simple solution that would cost the bank nearly nothing in the line of risk/getting stiffed, yet eliminate surely 80 % of overdraft fees incurred -- offer a two-day grace period, capped at {$200.00} to cover modest debits. Why did not our US Congress include something similar in its reforms of a few years back? Did the banks ' lobbyists persuade Congressmen they could not survive without continuing and perpetual rivers of overdraft revenue? 
If their overdraft fees are fairly set, why will they not disclose to customers and investors this source of earnings amid their aggregate profits ; why will they not disclose the revenue less expense elements that define the bottom line of this profit center? 
Where is the XXXX analyst who will take up the cudgel for all us marginal consumers who are buttressing the banks ' obeisance to their shareholders? And bailing out their colossal mortgage sins and fines from recent years ' misadventures with XXXX XXXX? Is it you? 
",Older American,Consent provided,Web,2015-11-12,Closed with monetary relief,Yes,No,CR1652084,7311
2015-11-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"XX/XX/XXXX I filed a credit card dispute with Eagle National Bank against a vendor XXXX. Originally Eagle National Bank issued a credit but 60 days later they reversed that ruling. This is after I received an "" interesting email '' from the vendor. 
From : XXXX Date : Sat, XXXX XXXX, 2015 at XXXXSubject : from XXXXTo : **********Hola ********. Hope everything is ok and wonderful over there. 
I just came back XXXX, my wife was very sick XXXX we just check our e mail, and the bank XXXX said that you claim your money and they send it to you back. 
I dont think it is fair from you guys, you look honest. my thinking is because you are XXXX XXXX friend you were like them. honest. I can see you are not, unless you send me the money that belong to us. or just send us back the merchandise. 
you got -- -- - XXXX purple artesanal big from $ XXXX to {$75.00} XXXX XXXX coconut artesanal small $ XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- {$120.00} XXXX. 
tax16 % XXXX -- -- -- -- -- -- -- -- -- -- - total -- -- $ XXXX with the bank exchange rate by that time give us a total XXXX $ XXXX XXXX ACTUALLY. Also I gave you a free big bottle of tequila XXXX. 
I dont think is fare from you to do that. 

Please., DO NOT RIP US OFF. we do work, and we were very, very nice and polite to you. so we can not sponsor you. It wont be nice to knock your door with the police to claim my bottles or money, but it will include my air plaine ticket. It is not the money is because you are not honest. 

I am sending a copy to XXXX, I want her to see what king of people you are. 

The information is not correct in the email either. 
",,Consent provided,Web,2015-11-12,Closed with explanation,Yes,No,CR1651891,3194
2015-11-12,Credit card,,Delinquent account,,"above points are not applicable. 
Bk. of America issued me a new CC because my No. was misused. 
I had for years "" minimum automatic payment "" set up. 
When the next payment was due, I did nothing because I trusted the min. autom. payment agreement with EN. The following month I did the same. 
The total amount was just arround {$20.00} which is the "" min. payment amount "". 
The result of this was : EN reported me for not paying my CC. 
When I complained, they told me : "" By law they are obliged to report me etc.. And itwas all my fault etc.. IT WAS MY DUTY TO RENEW THE MIN. AUTOM. PAYMENTWHEN MY CC WAS REPLACED ""! 
I assumed of course that it automaticly continues as everything else in my CC contract. 
All my complaints were to no prevail. 
This happened about 2 years ago and my otherwise impeccable Creditreport is stilltarnished today!!! 
I only found out today about your CFPB. This is why I am contacting you so late. 
But I really think that EN needs to be punished for this! 

Thank you for your time and attention. 
XXXX tel. XXXX XXXX XXXX XXXXXXXXXXXX 
",Older American,Consent provided,Web,2015-11-12,Closed with explanation,Yes,No,CR1651208,1879
2015-11-12,Credit card,,Credit card protection / Debt protection,,"Eagle National Bank is attempting to collect a debt that does not belong to me. I was forwarded statements with an account number that does not belong to me. As per my credit report I have outstanding debt on this account. 
",,Consent provided,Web,2015-11-12,Closed with explanation,Yes,No,CR1652061,1006
2015-11-12,Credit card,,Other,,"Eagle National Bank is giving out complete bank account numbers, along with complete routing numbers on their automated telephone system, when a payment is being made. This can compromise not only the credit card, if stolen, but also the person 's bank account. Per the Fair and Accurate Credit Transaction Act of 2003 : Section 605 of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) is amended by adding at the end the following : '' ( g ) TRUNCATION OF CREDIT CARD AND DEBIT CARD NUMBERS. -- '' ( 1 ) IN GENERAL. -- Except as otherwise provided in this subsection, no person that accepts credit cards or debit cards for the transaction of business shall print more than the last XXXX digits of the card number or the expiration date upon any receipt provided to the cardholder at the point of the sale or transaction. 
So, anyone who accepts credit cards can only print the last XXXX digits on the receipt, but Eagle National Bank can give complete routing numbers and bank account numbers on an automated phone system, to anyone?? This makes no sense all at. I 've been told by XXXX agents and XXXX supervisors that my checking account number has been changed to all XXXX, but when I checked this on the automated phone system, it gave me my complete bank account number, Again!! I have had to close this bank account and open another account to protect the security of my account. This cost me {$10.00} for the shipping and handling of the new checks, which I can not afford!! All because Eagle National Bank changed their system about 4 or 5 months ago, to give complete bank account numbers now, not just the last XXXX digits of the account number, This puts XXXX of their customers who pay their credit cards over the phone at risk of having their bank account information compromised. This is NOT OK!! It has cost me a lot of time and now also money, because they will not do anything about it. A secondary issue is that I had a CREDIT balance on my credit card of {$12.00}, which I kept there because I now have no way to pay my credit card bill without it costing me money, and I wanted to keep account active, It is a XXXX points card, and they will keep the XXXX plus points on the card, I will use the points, and then close the card. I charged {$2.00} on my card, to be taken from my credit balance, and now my card has a balance on it of {$2.00}, My credit balance had gone away, It seems, without my knowledge, consent or permission, they have sent a refund check for this amount, Not received yet, I had to go to the merchant that I charged to {$2.00}, have them refund the card, and I then paid cash for this, Please Help!! 
",,Consent provided,Web,2015-11-12,Closed with monetary relief,Yes,No,CR1652453,13290
2015-11-12,Credit card,,Billing disputes,,"I brought my car into an auto mechanic. The mechanic snapped my key off in the ignition of my car ( despite my explicit instruction not to try to turn the key ). The mechanic then gave me XXXX options : Pay him his egregious rate to replace the ignition and keys, or have the car towed to another shop ( cost of towing + repair of damage caused by first mechanic would not be cost-effective ). Under economic duress, I resigned to the former. 

XXXX/XXXX/15 : I called BofA / Visa to ask if there was a way to "" pre-dispute '' charges and explained the circumstances. I was told that notes would be made on my account given the circumstances, and that as soon as the card was run, I could file a dispute to stop the charges from posting. 
XXXX/XXXX/15 : I called BofA / Visa to reconfirm that the charges would not post, and I provided the name of the merchant. 
XXXX/XXXX/15 : After the car was returned ( with apparent additional malicious damage caused by the merchant - damage A/C, electrical, and punctured exhaust pipe ), I called BofA / Visa and was told that despite the information I was given previously by BofA / Visa, because the mechanic provided goods ( ignition and keys ) and service ( installing an ignition to replace the one he broke ), I would have to pay in full ( {$580.00} ) absent a fault in the goods or service. Because one of the keys was improperly cut and non-functioning, BofA allowed a dispute to proceed for {$150.00} for the key. That day, BofA also got the merchant on the phone. To avoid the dispute, the merchant flatly lied by denying that he ever ordered a second key, which I summarily disproved. BofA/Visa withheld {$150.00} ( of an amount that should have been XXXX % withheld ). 

I have since sold the car, and because of the damage to the Air Conditioning, and electrical, I had to reduce the price by {$500.00} ( then another {$500.00} at the time of negotiating the sale, so {$1000.00} total ). I also had to pay {$80.00} to repair the exhaust pipe. 

The merchant subsequently challenged my dispute. BofA/Visa have now come back to me requesting a "" signed second opinion letter from another qualified merchant in the same profession, on their business letterhead, that specifically details how each disputed item listed on the merchant 's original invoice is considered defective or not as described. The letter should include an explanation of the steps that are necessary to correct the merchandise or services, along with an estimated cost to repair. Second opinion letters based on a photograph are not considered valid. The qualified merchant must physically inspect the merchandise or service in dispute. "" There are several problems with this : ( 1 ) I no longer have the car ; ( 2 ) BofA/Visa did not provide me with any notice of this "" policy, '' ( 3 ) to attempt to retrieve the car from the gentleman who bought it from me would alone cost more than the value of the amount in dispute, ( 4 ) even if I were able to retrieve the car, the cost of a mechanic 's time, including inspection and letter writing, as BofA/Visa requests, would certainly exceed the value of the amount in dispute. 

The simple fact is that I brought my car to a mechanic. The mechanic broke my car. The mechanic charged me an obscene amount to "" fix '' the problems he caused, breaking several other things along the way ( all of which resulted in severe financial detriment to me ). BofA/Visa agreed, in advance, that the charges could be disputed so as not to ever process. BofA/Visa reneged on this promise, is bolstering the fraudulent activity and underhanded dealings of an unsavory mechanic, and is now imposing an unreasonable burden on me to attempt to resolve the matter myself. 

Accordingly, I am seeking relief through the CFPB, as I would like the entire charge of {$580.00} to the merchant cancelled. 
",,Consent provided,Web,2015-11-12,Closed with explanation,Yes,No,CR1651850,1675
2015-11-12,Credit card,,Other fee,,"I have a credit card with Eagle National Bank. I opened an account with the Bank XX/XX/XXXX. During that time I have had many issues with fees being charged. After opening my account, I got a credit card associated with the checking and savings account. I closed all of my Eagle National Bank accounts XX/XX/XXXX, but I kept the credit card. 

I made a payment of {$200.00} on the credit card account, attempting to use their billpay service as my payment service through my primary bank, XXXX, can be unreliable. For some odd reason, the system was n't taking my information so I abandoned the efforts to use their account, re-entered all my information through XXXX, and made the payment through XXXX. Eagle National Bank took the XXXX payment, but then also tried to process the second payment. And charged me a returned check fee to boot. Notably, I was NOT using a check, merely their payment system, which failed. 

The bank then closed my card at some point ( I am not sure when ; the account appears open online, but I was transferred to collections when I called about the fee ), and they are refusing to refund the fee. They even refuse to tell me who to contact to request that the fee be refunded. I 've made XXXX separate requests and been transferred to numerous departments. 
",,Consent provided,Web,2015-11-12,Closed with monetary relief,Yes,No,CR1652230,2437
2015-11-12,Credit card,,Identity theft / Fraud / Embezzlement,,"My wife and I have credit cards showing logos either from Visa, XXXX, or XXXX. Within the XXXX Card category there is XXXX card whose processing is done by a third party, XXXX XXXX XXXX, who send out the monthly statement and receive the monthly payment. We have XXXX other XXXX cards whose processing is done by XXXX itself. 

Our card that is processed by XXXX XXXX XXXX has again been the object of attempted fraud. XXXX phoned us to confirm that certain new charges were fraudulent. Since the charges were fraudulent, XXXX said they would cancel the current card and issue a new card and send it to us "" overnight. '' I thank them for their vigilance. This latest nuisance gave us reason to pause. 

In reviewing our personal records, we discovered that XXXX has had to issue XXXX replacement cards to us in three years because of attempted fraud ; this last card will be number XXXX ; this year we have had XXXX fraud attempts with XXXX card. 

Our XXXX cards have never been lost or stolen, yet these breeches have continued for three years. The charges were made out of state, at supermarkets, fast food businesses, etc. Our frequency of use of the XXXX other XXXX cards is about the same as the XXXX card ; ditto the Visa XXXX. However, cards processed by XXXX itself, have not been breeched. XXXX XXXX was breeched once several years ago, due to a problem originating at the processing bank. 

Why does XXXX XXXX XXXX not conduct its business in a proactive way, to prevent fraud attempts rather than acting after the fact. Our latest cards, whether bearing the Visa, XXXX, or XXXX logo all have the new "" chip '' technology. In my opinion, security has to be improved. The name of XXXX XXXX, on whose behalf XXXX processes the card information, suffers by association. 
",,Consent provided,Web,2015-11-16,Closed with explanation,Yes,No,CR1652916,2286
2015-11-12,Credit card,,Other,,"On XXXX/XXXX/XXXX I found out via an alert on my credit that Eagle National Bank Credit Card Division ran a hard credit inquiry without my permission. On XXXX/XXXX/XXXX I contacted Eagle National Bank to dispute the denial of a double post credit card claim in the amount of {$62.00} charged on my card along with a charge of XXXX Reward Points that I initiated on XXXX/XXXX/XXXX. I did n't receive the denial letter until XXXX/XXXX/XXXX. I could not believe the treatment I was receiving over a {$62.00} claim, since I have been a long-time customer and never filed a claim before. After rude and round about conversations with several representatives, I told them to close the card. After consultation with my financial advisor, I was advised to call Eagle National Bank back to reopen the card. All of this took place within 30 minutes. So, in less than an hour I contacted Eagle National Bank and requested to reopen my card. The representative asked if I still had the card in my possession and I responded yes. I also told her that I had just called within the last 30 minutes and had the card closed myself. She never told me that my credit would have to be run and she never asked for permission to run my credit. I did n't think my credit had to be run since I had been a customer of Eagle National Bank since XXXX current credit score of XXXX with no discrepancies and it was less than an hour the account had been closed. Surprisingly, I received a letter dated XXXX/XXXX/XXXX that my request to reopen my credit card account was denied for serious delinquency and length of time accounts have been established. This confused me even more because I have been a customer of Eagle National Bank for almost 10 years and never paid late. I have lived in my home almost six years and never paid late. I 've had a XXXX XXXX account on my credit established since XXXX and never paid late. The only delinquency on my credit report is a student loan account, which has been in good standing since XXXX. I really feel all this is retaliation regarding the negligent handling of my credit card dispute. I was never given provisional credit during the claim process after I was told I would not be charged interest during the process. I was charged. I was never credited back my XXXX Rewards Points or {$62.00} I used to pay for the transaction. This whole process has affected my credit tremendously. I was at the credit union shortly afterwards and learned that my credit score was lower than expected. I contacted Eagle National Bank regarding them running my credit without my permission and the representative told me, "" Eagle National Bank will change the hard inquiry to a soft inquiry. '' This is not acceptable. My credit report should have never been accessed. Then I asked her about the reasons given regarding the reopening of my account. She told me, "" instead of closing my accounts out I should pay them off and leave them open. '' Also the reason for denying the reopening of my credit card is not sufficient. Please help me get to the bottom of all this and get my credit back to where it should be. 
",,Consent provided,Web,2015-11-12,Closed with monetary relief,Yes,No,CR1652372,4370
2015-11-12,Bank account or service,Checking account,Using a debit or ATM card,,"I OPENED A Eagle National Bank ACCOUNT XXXX XXXX, 2015, WITH {$490.00}, AND SUBSEQUENTLY, EN ASSESSED ME "" OVERDRAFT CHARGES, THAT THEY ASSERT I AGREED TO ALLOW, ( I AM A SENIOR XXXX YEARS OLD ). MY N.Y..XXXX. CULTURE SENSED THAT THIS HAD HAPPENED OFTEN TO NEW CUSTOMERS IN THE SAME WAY THAT THEIR REPRESENTATIVES, "" DEMANDED '' ' I PAY THESE FEES '', ( MORE THAN {$170.00} THAT WOULD, "" ZERO OUT ), MY ACCOUNT. WHEN I WAS PAYING SMALL AMOUNTS TO, MY-EN ), DEBIT CARD ; IT NEVER ADVISED ME THAT OVERDRAFTS WERE BEING MADE AND CHARGES WERE BEING ASSESSED OF {$35.00} EVEN FOR A {$3.00} XXXX ICE CREAM. THEY SAY I AGREED TO THIS AT THE BRANCH BUT I DID N'T UNDERSTAND THAT THEN. WHEN I SAID I WOULD CANCEL MY ACCOUNT THEY SAID, "" THAT THEY WOULD NOTIFY EVERY BANK IN THE U.S. NOT TO LET ME OPEN ANOTHER ACCOUNT. CAN THEY DO THIS?. 
",Older American,Consent provided,Web,2015-11-12,Closed with explanation,Yes,No,CR1652773,4530
2015-11-12,Bank account or service,Checking account,Deposits and withdrawals,,"My bank, Eagle National Bank, keeps holding my paychecks until the end of the next business day and charging me {$35.00} for any debit to my account that is n't covered because they are holding my check. For example, this past week, I deposited my paycheck of {$2300.00} on Saturday, and it cleared and was credited on Monday, making my balance {$2700.00}. My rent check for {$1000.00} also hit the bank and cleared on Monday, as did a loan payment of {$300.00} to my mother. However, the bank charged me {$70.00} - XXXX overdraft charges of {$35.00} each - saying the rent and loan payments hit the bank before the paycheck was credited. I believe this is illegal, or at the very least, dishonest and predatory. I would like them to credit me with the {$70.00} - and with the {$35.00} they charged me last pay period for the same nonsense - and stop doing this. 
",,Consent provided,Web,2015-11-12,Closed with monetary relief,Yes,No,CR1651816,3450
2015-11-12,Credit card,,Other,,,,Consent not provided,Web,2015-11-12,Closed with explanation,Yes,No,CR1652554,4942
2015-11-12,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-11-12,Closed with explanation,Yes,Yes,CR1652539,2319
2015-11-12,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-11-12,Closed with monetary relief,Yes,No,CR1651726,3522
2015-11-12,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-11-12,Closed with explanation,Yes,Yes,CR1651135,524
2015-11-11,Bank account or service,Checking account,Using a debit or ATM card,,"BREACH OF CONTRACT and DECEPTIVE BUSINESS PRACTICES BY Eagle National Bank. When I opened a Small Business Checking account with BA, I was advised that as long as I make commercial purchases with my ATM VISA card, there would be NO monthly charges applied to my Business Checking account. Basicaly I was promissed a total FREE SMALL BUSINESS CHECKING. Subsequently, I noticed on my statements that despite the above promiss of a FREE CHECKING ACCOUNT, the Bank began to charge me a {$16.00} monthly service charge despite the fact that I was using my VISA Business Debit Card to make purchases. When I bought this matter to the attention of the XXXX XXXX Branch manager, she apologized and refunded all the $ XXXX-charges. Despite the corective action taken by the branch manager, a few months later Eagle National Bank again started to reinstate the $ XXXX-monthly charges, in violation of the Agreement and they have been illegally ading the $ XXXX-monthly service charge for the past 5-months. In fact they did the same deceptive practice with my personal checking by charging me {$3.00} monthly fee for Check Image service, despite the fact that I have signed up for paperless account service. When I complained to customer service, again they apologized and refunded the illegal service charges. The actions I just described above is a CONSISTENT PATERN OF FRAUDULENT AND DECEPTIVE BUSINESS PRACTICES and BREACH OF CONTRACT by WILLFULL MISCONDUCT by Eagle National BankN INC. 
",Older American,Consent provided,Web,2015-11-11,Closed with monetary relief,Yes,No,CR1650481,732
2015-11-11,Bank account or service,Checking account,Deposits and withdrawals,,"I have A/c with Eagle National Bank since 2007 I received cashier 's check from a sender with intentions & ask to deposit it to XXXX Eagle National Bank XXXX in name of XXXX XXXX XXXX XXXX ( A/C XXXX ) I visited to my Near EN Branch and inquired about check from teller on XXXX XXXX also clearly told them I dont know much about the person and sender so dont want to put it on my account because may be they can do any fraud from my account or information.So if that check if ok please cash it without putting on my account and I have to deposit that to XXXX EN account whcih i mentioned above.Then teller without asking any thing and after seeing my ID clear that check and did n't told me that check will take 3-4 days for clearling so I dont have any doubt on sender and as per instruction the money which withdrew gone of EN account on same day same EN Branch after 6 days EN debited that amount on XXXX XXXX without any information from my EN account which I never share them which is for my wife salary and all utility bill payment pupose we are using even wthout any information evern only approx XXXX on my checkng account on XXXX XXXX when they clear check and on XXXX also same amount.After visiting XXXX XXXX lots of time not even they log complain we log police complaint on same date ( XXXX ) also showing proof of depositing and letter from sender for sending and depositing the amount on said account.My complaint is why teller is not educated or told customer that it will take 3-6 days in clearing so that fraud cant be happen.Also knowingly or unknowingly Eagle National Bank is also part of the ring because every thing is happen on their XXXX XXXX XXXX finacial center and the money which withdrew gone to Eagle National Bank account whose intention and pupose is shown.After lots of struggle Finacial center manager takn the case with ref XXXX but fraud department not invetigationg any thing just today close the case from Fraud check department.If asked I will share check receiving proof and same person asking to deposit money on that said account then why shoul only I suffer without fault from my side.I am not keeping that money even Bank taken money from my account my account even have not that much money so account is in negative XXXX also my checking account is pupose of my wifes salary deposit and bill paymentsPolice complant no is XXXX on dated XXXX at XXXX XXXX center.My request for proper invertigation and also if they ca n't catch that EN fraud account which they open why they debited my account where I didnt deposited money also its not only mine an even I didnt given them any instrution.Also my account have not that much moneythen why they given cash to me even I dont share them my account no.if they are not ableto catch the culprit whose all proof we have how come they take my money without any pupose and intention.Need proper investigaion and also my finacial records are very clear.My EN Checking a/c XXXX where this debit happen.Also their is no any record of that check deposit on XXXX XXXX when that whole thing happen only after 6 days they debited it to my account instead of the culprit who is EN customer whose proof I can submit, Also requesting Eagle National Bank fraud and Risk department to please investigate this case.Even we dont have any email id wherewe can send our request to Fraud department or Risk department their toll free no.is not customer friendly also even we are not getting resolution on that toll free no they just telling its check fraud then its customer service then Risk department but customers are suffering so request immediated attention for my case, RegardsShivesh XXXX XXXX XXXX XXXX XXXX XXXX # XXXX 
",,Consent provided,Web,2015-11-13,Closed with explanation,Yes,Yes,CR1650396,4474
2015-11-11,Bank account or service,Other bank product/service,Using a debit or ATM card,,"With the change to the chip readers, customers who have chips in their debit cards are n't allowed to use a pin in our chip reader pin pads. In trying to determine why this is, I have learned a few things ... 
I called my bank to ask that I be allowed to opt to use the PIN when making debit card purchases, and the representative with whom I spoke referred to her guidebook and said that it is the terminal that determines how the card is processed. Our processor, XXXX XXXX, says that it is the card that determines this. I believe the latter is the case from what I have experienced firsthand. 
My XXXX, when I activated it, asked that I set a PIN. When I tried using it in the terminal at work, IT PROMPTED ME TO INPUT MY PIN. When I called XXXX XXXX yesterday, I was told that they have not issued Chip and PIN cards in the US, only Chip and Sign cards. When I said that I 'd rather have a PIN to avoid fraud in the first place and make my card truly secure, I was told that Fraud is covered 100 % and not to worry ... How stupid is that? 
My work XXXX cards have chips and I called to ask to set a PIN with both of them. The woman with whom I spoke was happy to help and it took a minute to set the PIN. Trouble is, the cards Chip and Sign cards and the PIN will only work in ATMs, which is n't what my goal was. 
In the meantime, XXXX and XXXX are earning extra fees for running the cards on their networks rather than on the debit networks. The debit companies are losing out, but more importantly, the merchants are suffering most in having to pay higher fees for the transactions. 
So much for the Dodd Frank Wall Street Reforms pertaining to debit cards. 
I plan to call the issuers and demand Chip and Pin cards, but XXXX XXXX did n't seem too interested in my request yesterday. Can you help? 
",,Consent provided,Web,2015-11-11,Closed with explanation,Yes,No,CR1650701,4727
2015-11-11,Credit card,,Closing/Cancelling account,,"Hi. 
Month ago I opened Eagle National Bank cash reward credit card. I got card and start to use it. 
I made purchases at gas station, grocery stores and online. Already get cash reward ( {$110.00} ) in my account. By end of billing cycle I got XXXX and paid in full total balance in the local branch by next day. Next day I got letter from Eagle National Bank stated that my account has been closed without any explanations.When I called to a toll free number listed in the letter, automated message said, that my account closed for business reason, no any explanation will be given. 
What about my cash reward. Can I will get my reward in this case? 
",,Consent provided,Web,2015-11-11,Closed with explanation,Yes,Yes,CR1650421,12464
2015-11-11,Credit card,,Billing disputes,,"I am filing a complaint against Eagle National Bank credit card which I used to pay for services to XXXX SEWER SERVICES. The vendor provided inadequate service, and despite repeated calls to the vendor I could not get help with the work they did in my bathroom. On XXXX, the said vendor, XXXX, worked on my toilet flush the was not working, but the problem was not corrected. XXXX sent over a unqualified person to work on my toilet. He could not fix the problem and had to call in support to help him replace a simple flush valve. Not only did this operation take two hours, but the problem was not solved, now the toilet began to leak. I called XXXX several times but I was not helped. I therefore had to get an estimate from another vendor, XXXX, who not only fixed my problem, but I paid almost a XXXX of the cost XXXX charged me. When I reported the problem to Eagle National Bank, they wanted me to produce evidence of the defect. I sent hem a copy of the estimate given to me by XXXX XXXX, but Eagle National Bank did not help. I am writing to have my credit charges reversed. 
Thank you. 
",,Consent provided,Web,2015-11-11,Closed with explanation,Yes,Yes,CR1650815,3769
2015-11-11,Credit card,,Delinquent account,,"I had in 2013 a secured credit card from Eagle National Bank. I had to put XXXX to open it. Two months after I opened the credit card account I moved but I called them and told the new address, they never somehow put that information on their system. As I had never used so much of my credit card and had everything else sent to my new address, I did n't notice that their bill never came to my new address. Months later I received a call from a collection company saying that I had a debit with Eagle National Bank of XXXX and something. I paid but they put a negative report in my credit even know that they did n't send me any bill in my new address. I do n't think it is fair for me to pay for their disorganized data base. I called them about it but the negative report still there making my score down. 
I hope you can help me. 
Thank you in advance, XXXX XXXX XXXX 
",,Consent provided,Web,2015-11-11,Closed with non-monetary relief,Yes,No,CR1650403,4181
2015-11-11,Credit card,,Other,,"Received a promotional offer to deposit XXXX free miles into my Spirit Airlines account that never materialized despite my opening an account with Spirit Airlines and linking to my XXXX. Never received any additional miles for any purchases for the life of the card. Poor customer service and response time. When I requested to close my account, I was transferred by a rep named XXXX to a woman named XXXX and XXXX told me she could n't assist with that request. Poor customer service is an understatement for this particular credit card company. And false advertising on promotional sign-up benefit. 
",,Consent provided,Web,2015-11-11,Closed with non-monetary relief,Yes,No,CR1650805,417
2015-11-11,Credit card,,Payoff process,,,,Consent not provided,Web,2015-11-11,Closed with explanation,Yes,No,CR1650644,4377
2015-11-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-11-11,Closed with non-monetary relief,Yes,Yes,CR1651052,899
2015-11-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-11-11,Closed with monetary relief,Yes,No,CR1650390,7864
2015-11-10,Bank account or service,Checking account,"Account opening, closing, or management",,"I been in XXXX since I was XXXX years old someone been using my name opening bank accounts buying houses cars in etc in I have not been able to get a bank account in have a hard time even cashing my work checks I need help with filing identity theft claim with XXXX 
",,Consent provided,Web,2015-11-10,Closed with explanation,Yes,No,CR1647966,1650
2015-11-10,Bank account or service,Checking account,Problems caused by my funds being low,,"I had an account with BankofAmerica in XXXX 2014, that was opened during that time i had a check that was deposited in my account for funds on a Friday that i did not know would not go through. When i found out about the check being returned Eagle National Bank had already closed my account down and proceeded to take action, and did not speak to me to after they closed my account and placed a fraud on my name, which have caused me to loose employment as well as be provided with a bank account. I have tried to work with them towards a feasible solution, and have not come up with one that works for both the bank as well as myself. I am seeking assistance because i feel that i have been treated unfairly by this business in past and now. 
",,Consent provided,Web,2015-11-10,Closed with non-monetary relief,Yes,No,CR1649564,4328
2015-11-10,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"I had XXXX checks that did not clear my account for {$76.00} twice from XXXX XXXX. The checks were unpaid because I did not have the funds. My account charged {$35.00} for both checks. No problem, however, Eagle National Bankn let XXXX submit those same checks 10 times with different checking numbers from my original check, thus not authorized to keep sending through my accounts. As a result, my account was hit with an obscene amount of late fees {$420.00} by Eagle National Bank and Allowed XXXX run e-checks changing checking numbers. The late fees are excessive. 
",,Consent provided,Web,2015-11-10,Closed with monetary relief,Yes,No,CR1649640,1495
2015-11-10,Bank account or service,Checking account,Using a debit or ATM card,,"My Eagle National Bank branch is XXXX mile from my home and it is the only branch in my local area with only XXXX atm machine in the local area. Lots of times the atm machine is non-operational which causes me to use other non-EN atms. My EN fees for using other atm machines were {$96.00} just last week not including the fees the other atm machines charge. I asked EN from refund me the fees since their ATM machine was down and they would not. This happens very often! 
",,Consent provided,Web,2015-11-10,Closed with explanation,Yes,No,CR1648461,584
2015-11-10,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX XXXX of 2014 someone deposit a check into my account from an ATM unauthorized in Work forged I 've then made a claim reporting the activity that was being done on my account on the XXXX of 2014 I then got a statement stating I was negative in my bank account and that i owed Eagle National Bank money. I then went to a Eagle National Bank branch in XXXX XXXX XXXX where they stated that I never made a claim and the associate called the claim center and said they never got a claim so I made a claim and the Eagle National Bank associate ask them to the ATM cameras that resulted in showing it was not me at the ATM and they removed the negative money on my account and I could receive the following money I had left on my account. 
",,Consent provided,Web,2015-11-10,Closed with monetary relief,Yes,No,CR1648906,3283
2015-11-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"XX/XX/XXXX, I took out a credit card loan from Banks of America. XX/XX/XXXX, I called Banks of America and paid {$8700.00} the remain of the debt. I ask that my account be close XX/XX/XXXX, I paid {$83.00} for the interest acuminated for XX/XX/XXXX. Agains, I ask that they closed my account. B.O.A assured me that they will close my account. For 10 months, that account remain inactive. In XX/XX/XXXX, someone took {$450.00} and I was not aware of. I have bank statement that I paid it all, but yet EN sold my default loan to a collecting agency, report that I defaulted {$450.00}. Prior to this, I never have a bad credit in my record. I never have not pay a loan or debt. Why else I paid {$8700.00} and not paid {$450.00}. Please help investigate other victim as myself due to Banks of America erronoes. 
",,Consent provided,Web,2015-11-10,Closed with non-monetary relief,Yes,No,CR1648075,1402
2015-11-10,Credit card,,Late fee,,"Hi, I would like to dispute a overcharged that SPIRIT_Eagle National Bank ' Credit Card hadcharged me. I consumed {$850.00} and sent check # XXXX on XXXX/XXXX/2015 to pay thisThe Spirit-Eagle National Bank claimed they received it on XXXX/XXXX/2015 and are charging me a late fee {$40.00}. 
I sent my check on time to fully pay my due ; What ever happening in their office or USPS is not part of my responsibility because I received the payment bill on XXXX/XXXX/2015. 
Thus, I could not had sent payment before. 
Please help me in resolved this matter. 
Best regards, XXXX XXXX 
",Older American,Consent provided,Web,2015-11-13,Closed with monetary relief,Yes,No,CR1647896,3448
2015-11-10,Credit card,,Billing disputes,,"I have a dispute with HVAC Contractor ( AC SERVICE ) based on advertisement in local penny saver to clean air duct for {$89.00}. On XX/XX/XXXX, HVAC Contractor scared my wife into additional services by indicated that there was mold in the airHVAC Contractor stated that in order to remedy the situation they needed to clean, deodorized and install ultra violet lights, new air filters and provide 10-year warranty on work for {$2700.00}. We were a bit skeptical but reluctantly agreed to proceed since they were providing a 10-year warranty. 
After the vendor left, we noticed that the HAVAC was not cycling down We called the HVAC Contractor to no avail. 
XXXX/XXXX/XXXX called EN Fraud dept. on and spoke with XXXX XXXX to immediately stop the payment from processing, until the vendor completed the work satisfactorily. I was provided with ref # XXXX call back EN, spoke with XXXX XXXX who referenced the original call via ref # XXXX call back EN, spoke with a XXXX XXXX at XXXX XXXX, assigned case # XXXX. Requested to mail invoice and supporting documentation to Attn. Billing Dispute, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX call back EN, spoke with XXXX XXXX who stated that he could not find case # XXXX and the supporting documentation. I was placed on hold indefinitely and call eventually disconnected. 
XXXX/XXXX/XXXX resubmitted document and electronic media with scanned documentation via registered mail via USPSXX/XX/XXXX call back EN, spoke with XXXX who stated that a letter was mailed XX/XX/XXXX advising that was closed. She did however acknowledged receipt of USPS certified mail received by the fraud dept. on XXXX/XXXX/XXXX. Case was reopened but a case # was not immediately assignedXX/XX/XXXX call back EN Corporate Office Investor relationship ( Executive complaint ), spoke with XXXX XXXX and was assigned an Executive case # XXXX call back EN, spoke with XXXX who confirmed that case was closed on XXXX/XXXX/XXXX and letter was issued to that effect. 
XXXX/XXXX/XXXX Received letter from EN stating that the charges was being placed back on my account. Reason : "" I signed for the services. "" XXXX/XXXX/XXXX called back EN and spoke with XXXX XXXX who opened a new case # XXXX called back EN spoke with XXXX XXXX and was assigned yet another case # XXXX called back EN spoke with XXXX XXXX XXXX/XXXX/XXXX called back EN, disputed claim from vendor as vendor had close original business, and reopened under new name. New business claimed no liability for former company. 
XXXX/XXXX/XXXX spoke with EN representative XXXX XXXX, who refused to allow me to record - technicality ( Recording - XXXX ), Negligence of EN who advise me to go to local EN Branch # XXXX to receive fax with HVAC XXXX response that was disputed. Received fax from XXXX XXXX. Data received was doctored did not match information requested, unrelated company out of XXXX, MD. 
XXXX/XXXX/XXXX XXXX called ( Recording - XXXX ), spoke with Representative XXXX ( XXXX ) regarding case filed with XXXX. XXXX stated that case went to arbitration ( plaintiff won case ) and a refund was issued to EN on my behalf. XXXX XXXX XXXX. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX or ( XXXX ) XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXXPlease note , that EN has not received any credit and or issued any credit to my account. 
",,Consent provided,Web,2015-11-10,Closed with explanation,Yes,Yes,CR1648452,13417
2015-11-10,Credit card,,Delinquent account,,"My brother has a Eagle National Bank credit card he quit paying on a few years ago when he lost his job. He XXXX is a U.S. Army retiree with XXXX, XXXX, XXXX and physical injuries XXXX. He has an XXXX and needs another XXXX. He had XXXX XXXX about 2 years ago, he has spent months in XXXX to no avail, he has had to call XXXX three times in the last few months as he has no memory and takes too much XXXX forgetting he alredy took it. He can XXXX and can not manage his affairs. He lives on about {$1400.00} per month and Eagle National Bank is trying to garnish his bank account where his XXXX social security is paid into. Eagle National Bank has been provided all this information but persists in collection despite having proof his only, meager income is exempt. 
","Older American, Servicemember",Consent provided,Web,2015-11-10,Closed with non-monetary relief,Yes,No,CR1649242,2817
2015-11-10,Credit card,,Delinquent account,,"My credit was hurt significantly due to an error by Eagle National Bank which they are not recognizing after several attempts to contact them. My account was opened in XX/XX/XXXX, which i discontinued using in XX/XX/XXXX due to better rates and points with another credit card. I stopped all reoccurring charges from auto pay going into this card ; however XXXX account with XXXX XXXX membership was missed and a charge for {$100.00} annual membership was processed on XX/XX/XXXX. As i stopped monitoring this account i did not notice this charge. Account than was reported delinquent for 90 days and Eagle National Bank did not contact me or try to get in touch with me. I hold saving account with Eagle National Bank for over 20+ years my average balance is well over $ 50K and yet for just merely {$100.00} my credit was hurt significantly that has effected my qualification for Mortgage rates. I could qualify for 2.75 % on my mortgage but the banker is saying due to my score i need to either purchase points or pay higher rate at 3.6 %. My complain is that Eagle National Bank should revisit their collection processes ; if i 'm an existing customer for two decades with significant balance why was my credit hurt for only {$100.00} delinquency or why was I not contacted? I have sent several complaints but have not heard any positive response to help me. 
",,Consent provided,Web,2015-11-10,Closed with non-monetary relief,Yes,No,CR1648787,3159
2015-11-10,Credit card,,Balance transfer,,"On XXXX/XXXX/2015 I mistakenly made a balance transfer from Eagle National Bank to XXXX ( {$2400.00}, {$3100.00} ), I payed off the balance in full immediately when I found this out, however Eagle National Bank charges so many fees for this transactions. 

XXXX/XXXX/2015 MINIMUM INTEREST CHARGE $ XXXX INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/2015 INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/XXXX INTEREST REF BT XX/XX/2015 $ XXXX INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/2015 BALANCE TRANSFER TRANSACTION FEE $ XXXXXX/XX/2015 BALANCE TRANSFER TRANSACTION FEE {$73.00} 
",Servicemember,Consent provided,Web,2015-11-10,Closed with monetary relief,Yes,No,CR1649886,4254
2015-11-10,Credit card,,Credit determination,,"To Whom It may concern : I am filling a complaint against Target Credit Card online application process. They said I incorrectly answered questions during the online process to prove my identity, so they were unable to give me credit. If the Target was unable to determine my identity during the application process, than Target should have never run my credit in the first place. The online software system should automatically reject my application, and Target should not automatically run my credit. These personal questions from the past are the same questions the XXXX credit bureau will ask when you apply for the free annual credit report. On all three bureau website, if you are unable to answer questions to identify yourself, the system automatically ask the person to contact customer service and the applicant is unable to continue the process. This flaw in the Target online application process will hurt many consumer credit rating just by automatically pulling credit regardless if they were identified or unable to indentify the person applying for credit. Identity fraud is on the rise, so it is very important a company does not automatically pull a credit inquiry on the individual it was unable to identify. This was very upsetting that they pulled my credit when they said they were unable to identify me during the online process. 
",,Consent provided,Web,2015-11-10,Closed with explanation,Yes,No,CR1649496,1030
2015-11-10,Credit card,,Balance transfer,,,,Consent not provided,Web,2015-11-10,Closed with explanation,Yes,No,CR1649555,4462
2015-11-10,Credit card,,Other,,,,Consent not provided,Web,2015-11-10,Closed with explanation,Yes,Yes,CR1650031,1690
2015-11-10,Credit card,,Credit determination,,,,Consent not provided,Web,2015-11-13,Closed with explanation,Yes,No,CR1648954,4777
2015-11-10,Credit card,,Other,,,,Consent not provided,Web,2015-11-12,Closed with non-monetary relief,Yes,Yes,CR1650300,1988
2015-11-10,Credit card,,Rewards,,,,Consent not provided,Web,2015-11-10,Closed with non-monetary relief,Yes,No,CR1649588,10476
2015-11-10,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-11-10,Closed with non-monetary relief,Yes,Yes,CR1649755,7234
2015-11-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-11-10,Closed with non-monetary relief,Yes,No,CR1651015,671
2015-11-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-11-10,Closed with non-monetary relief,Yes,No,CR1649217,4239
2015-11-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-11-10,Closed with monetary relief,Yes,Yes,CR1649406,2517
2015-11-09,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank cleared a cashiers check that I had deposited. I spent {$3300.00} of the {$7500.00}. BofA notified me today that the cashiers check was fraudulent and that they are holding me responsible for the money spent. They are at fault for clearing the check not me. I want the money reimbursed to my account. 
",Older American,Consent provided,Web,2015-11-09,Closed with explanation,Yes,Yes,CR1649573,1938
2015-11-09,Bank account or service,Checking account,Deposits and withdrawals,,"Dear sirs, I recently spoke with your rep and she read me the response from XXXX at Eagle National Bank. This has truly been a nightmare i hope to end soon. The bank cleared this certified company check and then after being on hold for 4 days they cleared it into my account. The very next day they put a stop payment on it. Then to make matters worse they stopped payment on a check that was n't even real. The Bank will not return my calls, keep adding fees and will not let me close my account. Eagle National Bank is clearly avoiding the fact that their processors missed that this was fraud and refuse to admit they were wrong in letting this check get cleared and a stip payment be put in effect. The documents they sent you do not match the documents they sent me. This is in reference to a case i already have with Eagle National Bank. if i am causing confusion i apoligize but i dont know how else to give the updated information to your company. I am attaching documents which clearly are different that the ones the bank sent to you. also the information they provided to you is indeed their side of the incedent and does not match what truly happened. case XXXX. 
I am homeless and temporary with a friend i am XXXX and it is hard for me to get around. i will check my email please let me know if you need me to call you. 
thank you, XXXX XXXX 
",,Consent provided,Web,2015-11-09,Closed,Yes,No,CR1647808,2307
2015-11-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have a saftey deposit box at a Eagle National Bank in XXXX, SC XXXX XXXX XXXX XXXX XXXX and they were flooded out. My box was flooded and it took them weeks to set up a day for us to come by and inventory the box. They are saying the items possibly have ecoli and they have to be tested before they give them back after disinfecting them. The items in the inventory were described in such a way if anything happened to the items we would never be able to recover the amount or the item in which it was worth. Yellow bracelet with stones? They said they could not identify if it was worth XXXX or XXXX. A yellow bracelet can be bought XXXX for {$5.00}. They have tested the items and are now saying the items are positive for ecoli. We have not received any paperwork saying such, just as they said the water in the bank tested for ecoli. They went ahead and opened the inventoried bags and recleaned them without our presence. Have called the regional manager and they will not give me any phone numbers for anyone higher than them. What?? Also ca n't find Corperate phone numbers on the internet. We want our items back and we will sign whatever stating that we are responsible for whatever, ecoli ect. Do n't know who to contact from here?? We have contacted our attorney and will file a claims and delivery XXXX I believe. Attorney is working the issue. 
",Servicemember,Consent provided,Web,2015-11-09,Closed with explanation,Yes,Yes,CR1646870,2196
2015-11-09,Credit card,,Advertising and marketing,,"i applied for a Eagle National Bank credit card. i was promised a {$200.00} sign on cash bonus when i spent {$1500.00}. i did my part the bank will not issue my {$200.00} sign on bonus. 
",,Consent provided,Web,2015-11-09,Closed with explanation,Yes,No,CR1647262,3031
2015-11-09,Credit card,,Unsolicited issuance of credit card,,"Eagle National Bank / Target Card show non authorized credit inquires. 
",,Consent provided,Web,2015-11-09,Closed with explanation,Yes,Yes,CR1647322,3695
2015-11-09,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-11-09,Closed with explanation,Yes,No,CR1647435,1073
2015-11-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-11-09,Closed with non-monetary relief,Yes,No,CR1645734,246
2015-11-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2015-11-09,Closed with explanation,Yes,No,CR1646019,3184
2015-11-08,Bank account or service,Checking account,"Account opening, closing, or management",,"cc : FDICConsumer Claim Number : XXXXBank : Eagle National Bank DISPUTE RESOLUTION SERVICESXXXX XXXX XXXX XXXX AZXXXXMerchant : XXXX 
The Event : The consumer requested a refund from the Merchant based on breach of contract and or fraud which supercedes the 30 day return time period. The Merchant refused to refund so the consumer opened the claim with bank and faxed as well mailed to the bank written details supporting the claim. The bank failed to send the chargeback notification by mail to the Merchant ( as stated in the Merchants fax to the bank dated XXXX XXXX, 2015 ). The Bank 's letter to the consumer ( mentioned above Dated XXXX XXXX, 2015 ) disregardes the consumer 's written evidence for the claim as if they never received it ( in addition to not bringing it to the Merchant 's attention in writing, by mail ) and also states that "" As a result, the temporary credit for {$790.00} that was previously applied to your account will be reversed on XXXX XXXX, 2015. Additionally, any credit that was applied to your account for the reimbursement of fees related to this claim will be reversed. We now consider this disputed resolution closed. "" Notice : The Merchant-consumer transaction was from XXXX ( a different legal entity than XXXX. who sent the communication to the Bank via fax XXXX XXXX, 2015 ). 
The consumer demands that the disputed transaction remain open while this issue is investigated and that based on fraud, the credit for {$790.00} shall not be reversed. The Bank must prove that they received no written evidence for the claim from the consumer, as well as acknowledge that htey did not follow dispute resolution procedure on behalf of the consumer or the merchant. 
",,Consent provided,Web,2015-11-10,Closed with explanation,Yes,Yes,CR1645562,2523
2015-11-08,Credit card,,Application processing delay,,"l received material in the mail for a Eagle National Bank credit card. I dialed XXXX to apply. Gave all my information, was told I was approved. After a week had not received a card so I called XXXX, gave my social security # ( because I didnt have a card # yet ) and was told a letter was mailed the day after I applied. I have not received that either. 
",,Consent provided,Web,2015-11-08,Closed with explanation,Yes,No,CR1645384,2605
2015-11-07,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank is refusing to disclose how many fees charged my account. 
over {$500.00} since XX/XX/2015. 

in my trying to close account they refused claiming items paid were still processing. then they ran a returned check thru twice to access yet one more feeafter knowing i was closing that account at branch 
",,Consent provided,Web,2015-11-07,Closed with explanation,Yes,No,CR1645128,1008
2015-11-07,Bank account or service,Checking account,Using a debit or ATM card,,"Failure to address fraudulent charges and multiple false promises from customer support. On XXXX XXXX I became aware of multiple fraudulent charges on my debit card. I contacted Eagle National Bank and, after spending over an hour on the phone was assured of that : all the charges would be removed by the next day ; the card had been shut down so no further charges were possible ; and I would receive a replacement card by XXXX XXXX. On XXXX XXXX I checked my account online and discovered that not only had none of the fraudulent charges been removed but several more had appeared. I called again, and after spending nearly XXXX hours on the phone ( including an escalation to the 'Customer Advocate Team ' ) the same promises were reiterated. On XXXX XXXX I discovered several more fraudulent charges ( XXXX of which were dated after the card was allegedly shut down. ) I called in yet again and, after an extended hold time, had to waste even more time arguing with a rep who claimed crediting back fraudulent charges takes 3 business days ( even though I had seen it done immediately the day before ) acknowledging that was false and processing the claim. Additionally, even though I had been repeatedly promised no further charges would post I was then told that was false and fraudulent charges which had previously been removed could repost at anytime. Additionally on XXXX XXXX I was promised that a replacement card would be sent out immediately for delivery no later than XXXX XXXX. When I did not receive it I had to waste still more time on the phone before being told it had not been sent for over 24 hours after I was told it would be and would n't be delivered until XXXX XXXX at the earliest. 
",,Consent provided,Web,2015-11-07,Closed with explanation,Yes,Yes,CR1645162,198
2015-11-07,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited a check that was payable as "" cash '' on XXXX XXXX 2015, on the next day the check was put on hold in my account but the founds had already being transferred from the account of the person who wrote the check. As of XXXX XXXX 2015 I contacted the customer service of Eagle National Bank and I was told that the check would not be credited in my account because it was written "" cash '' instead of my name on the check, because there was a possibility that the check could be returned for insufficient funds, and that I will have to wait another 5 business day to have the check returned. It does n't make sense since the funds have already being removed from the account of the person who wrote the check. In addition, I spoke with XXXX representatives who were very unwilling to help me and who spoke with me like a machine not providing full answers to my questions., 
",,Consent provided,Web,2015-11-07,Closed with explanation,Yes,No,CR1645051,11713
2015-11-07,Bank account or service,Savings account,"Account opening, closing, or management",,"On XXXX XXXX, 2015 my spouse passed away. On or about XXXX XXXX, 2015 I visited the BofA financial center to inform them of his death. I delivered to documentation they needed to start the claim process. On XXXX XXXX, 2015 I visited again and was told I needed to resubmit the same documentation. On XXXX XXXX, 2015 I received paperwork that said I needed to submit the same documentation I have submitted already twice. Since XXXX XXXX, 2015, they froze the accounts and allowed overdrafts to occur because the bank closed his visa overdraft protection without any notification to me, his spouse, beneficiary and successor trustee. This is apparently being handled through the bank 's Estate Unit in Florida. Now I have no access, either online or in the branch to see what is happening with these accounts. The branch personnel were extremely apologetic and helpful but even they could not get the correct information from the Estate Unit. this is now way to treat a grieving spouse. 
",,Consent provided,Web,2015-11-07,Closed with monetary relief,Yes,No,CR1645003,3328
2015-11-07,Bank account or service,Savings account,Using a debit or ATM card,,"There was a news report that several ATM 's had scanners on their ATM 's in an area of town that I use the ATM 's. I checked my bank account and sure enough somebody had scanned my debit card and pulled out {$4500.00} out of my savings and {$100.00} out of my checking over a 7 week period. I had my debit card on me at all times, and I have never given my pin # to anybody. I called the bank, they said it was obviously fraud and said they would return my money. That was on XXXX XXXX. I have since had my claim denied for several ridiculous reasons and still do not have my money that was stolen. I had a savings account for several years and never took money out of savings, then over the course of XXXX weeks, somebody depleted my savings account and then moved on to my checking. The bank never notified me that somebody was withdrawing several hundred dollars a day several times a day without my knowledge. It was definitely not my pattern and out of the ordinary but they called it non-aggressive withdrawals. Seemed pretty aggressive to me that I would never take money out of the account and then nearly empty in XXXX weeks. I deposit cash in to my checking account that I get from my fianc for bills when he would cash his check at Eagle National Bank. Why would I deposit cash into my checking and then turn around and pull out of my savings? It does not make any sense. They tried to tell me that it was my fianc taking the money, but he does n't even know my pin #, and the transactions were happening on the east side of town, while we were working on the west side of town. They showed me still pictures of him on dates that were not the same dates of disputed transactions. He also uses Eagle National Bank. This is purposely trying to frame him and fraud. 
",,Consent provided,Web,2015-11-07,Closed with explanation,Yes,No,CR1644971,8200
2015-11-07,Credit card,,Cash advance,,,,Consent not provided,Web,2015-11-07,Closed with monetary relief,Yes,No,CR1645118,4034
2015-11-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-11-07,Closed with non-monetary relief,Yes,No,CR1644758,103
2015-11-06,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank juggled my transactions in order to maximize the number of overdraft fees they could charge me. 
",,Consent provided,Web,2015-11-06,Closed with monetary relief,Yes,No,CR1644296,1392
2015-11-06,Credit card,,Other,,"AAA Financial Services ( Eagle National Bank ) account - I had a balance transfer of {$3400.00} on XXXX/XXXX/15. I paid the balance of {$37.00} on XXXX/XXXX/15 before the due date XXXX/XXXX/15. The balance was {$0.00} but I received a statement for {$15.00} interestwhich I paid ( XXXX ) on XXXX/XXXX/15. I closed the account ( XXXX ) on XXXX/XXXX/15. I requested a final statement showing the {$0.00} balance and that the account was closed on XXXX/XXXX/15. On XXXX/XXXX/15 ( Georgia ) I called again because I had not received the final statement and documentation that I closed the account. As of XXXX/XXXX/15, I have not received a final statement nor the documentation that theaccount is closed. 
",Older American,Consent provided,Web,2015-11-10,Closed with explanation,Yes,No,CR1643522,4056
2015-11-06,Credit card,,Billing disputes,,"I disputed in the latest part of our case, number was XXXX. 
XXXX XXXX and XXXX XXXX could not get my full response inside the small box, so I did say that in my pushing dispute I have to open a new number to our case. 
I tried to attach the response letter, but it looked like it did not attach like the rest of my previous attachments did. 
",,Consent provided,Web,2015-11-06,Closed with explanation,Yes,Yes,CR1644175,1254
2015-11-06,Credit card,,Other,,"My target card had autopay linked to an old bank account, and after two years of full credit card payments ( on time, and through autopay ), I had insufficient funds in that account. This was my error, so I called Target immediately, paid the full balance plus the {$25.00} NSF fee and requested to change my autopay account. They told me to do this online. I changed the account online to my current checking account and called back to confirm they could see the new account. Target confirmed. The next month they tried taking funds from the old account AGAIN, even though I had changed it, and I had ANOTHER charge for insufficient funds. When speaking to a CSR and their supervisor, XXXX XXXX, on XXXX/XXXX/15 they told me that changing my bank account numbers for payments on line was not sufficient and I had to cancel my autopay agreement and create a new XXXX. None of this information was online, or provided during my confirmation phone call. The website and employees were misleading due to the lack of disclosure, and is both unfair and deceptive, and when I requested the late fees to be returned for them providing incomplete and false information, they refused. The website should have clearly stated information about the new autopay agreements and the employee should have clearly disclosed this on the phone. I should not have been charged the {$25.00}. 
",,Consent provided,Web,2015-11-06,Closed with monetary relief,Yes,No,CR1643058,2916
2015-11-06,Credit card,,Arbitration,,,,Consent not provided,Web,2015-11-06,Closed with explanation,Yes,No,CR1643835,4683
2015-11-06,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-11-06,Closed with non-monetary relief,Yes,No,CR1643653,3992
2015-11-06,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-11-06,Closed with explanation,Yes,No,CR1643593,545
2015-11-06,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-11-06,Closed with monetary relief,Yes,No,CR1643659,1032
2015-11-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-11-09,Closed with explanation,Yes,No,CR1644169,1753
2015-11-05,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank converted my mother 's echecking account ( with no monthly fee ) into regular checking account ( with $ XXXX monthly fee unless certain conditions meet ), without properly notify the customer. My mother is a XXXX with limited english. She did not receive any communication with account change in XXXX language. She has her profile set to XXXX language as primary language with Eagle National Bank. She thought everything was safe with her account since she had not been charged anything in last few years. She demanded to have the fee refunded and was declined by Eagle National Bank. EN prays on immigrants with limited english proficiency, and did not communicate in her native language. 
",Older American,Consent provided,Web,2015-11-05,Closed with monetary relief,Yes,No,CR1640832,4882
2015-11-05,Bank account or service,Checking account,Using a debit or ATM card,,"I had my bank card stolen and my account was overdrawn. Consequently, my account was flagged and reported as supected fraud XXXX. Please advise. 
",,Consent provided,Web,2015-11-05,Closed with explanation,Yes,No,CR1641291,3044
2015-11-05,Bank account or service,Checking account,Deposits and withdrawals,,"In XXXX 2015 I mailed out a check for {$890.00} to XXXX XXXX who is my landlord. This check was for my rent. This check number was XXXX. On XXXX XXXX I noticed the check was cashed against my account. On XXXX XXXX My landlord called me and stated she still had not received the check. I then went to XXXX bank and they printed out the check for me. The signature on the back of the check was signed XXXX XXXX. I filed a claim with XXXX bank on XXXX XXXX stating I did not give XXXX XXXX permission to cash my check. The claims department stated they did not receive my claim and I had to go back to the bank 3 times to resend it. They finally received the claim on XXXX XXXX. I called XXXX claims department to check on the claim and they stated the claim was approved and I should have the money in my account 3-7 business days. On the 6th business day I called again to check on when I was getting my money and I was told the claim was n't approved it was actually denied. XXXX then told me they got Eagle National Bank to reopen the claim and it should be completed within 30 days. I then received a call from XXXX XXXX from the XXXX XXXX station where I currently live. He told me the cops found XXXX XXXX XXXX in possession of my mail and about XXXX other victims. He then asked if I wrote a check to XXXX XXXX for {$890.00} and I told him yes. He said that this suspect by the name of XXXX XXXX XXXX was arrested for fraud and that they had the suspect who stole my check and gave me a police report number. The report number is XXXX. I then called XXXX and gave them the police report information. I was then told on XXXX XXXX 2015 that XXXX sent Eagle National Bank a demand letter. On XXXX XXXX XXXX did a follow up with Eagle National Bank and Eagle National Bank stated an expected date of completion would be XXXX XXXX. On XXXX XXXX XXXX informed me they closed the claim due it being beyond the 120 days that they had to work on this claim. I called Eagle National Bank and all they would tell me is that they denied the claim with XXXX. If this matter is not resolved I am going to follow through with a lawyer and sue for this amount plus more. This has cause me to have to move and put a lot of stress on me after I gave birth to my son. 
",,Consent provided,Web,2015-11-05,Closed with explanation,Yes,No,CR1642172,371
2015-11-05,Bank account or service,Savings account,"Account opening, closing, or management",,"On XXXX/XXXX/2015 I went to Eagle National Bank branch in XXXX XXXX, CT to close out my account. I told cashier to close out my account and withdraw entire amount as I have enough bank account as it is. on XX/XX/XXXX I received a EN statement saying I owed {$15.00} for maintenance fee. it appears the account was never closed. there was still money left in the account. that should not be my problem but EN 's. 
",,Consent provided,Web,2015-11-05,Closed with monetary relief,Yes,No,CR1641167,1601
2015-11-05,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,"What happened simplified, Subjects : Eagle National Bank XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX, My husband and hisdeceased mother ( the victim of Identity Theft ) according to Federal Trade a commission ). 
XX/XX/XXXX my mother in law passed away from that date up until beginning XX/XX/XXXX mymother in law had been receiving regular Social Security Benefit checks directly deposited into heraccount I believe the last XXXX numbers of her account XXXX. my husband and myself also have bankaccounts in Eagle National Bank XXXX My husband confessed to me that he was fearful of the prospect of the FBIfinding out about it, my husband was indited and convicted of defrauding the government of federalfunds among other charges and was sentenced to 3 years in federal prison and without my permissionhe went ahead and took transferred money out of our marital joint account to cover the loss of thestolen Social Security benefits through her unauthorized ATM card. I believe that total was about XXXXdollars. My husband and I are going through a divorce and that money was part of my equalization ofassets a little over XXXX. 
I had alerted first the Federal Trade Commission, got a reference number got all the requirementsrequested a police report number, the detective called me to say basically it 's a waste of time that Iwould have to know all the ATM 's he withdrew those funds from his mothers account. I would need asubpoena to open my mother in laws accounts even though I had a POA. I tgan than called the office ofinspector general sent in my complaint and was time stamped and signed. I called couple days ago andshe sounded pretty confident in referring me to Consumer Financial Protection Bureau and in hoped totry and recover those funds from my bank account. 
Thank you for you time. 
",,Consent provided,Web,2015-11-05,Closed with explanation,Yes,Yes,CR1640738,1460
2015-11-05,Credit card,,Credit line increase/decrease,,"Eagle National Bank has me in a credit card with an annual fee. The same exact card is available without and annual fee and has been for quite some time. I have been through so much trying to get a straight answer on why I have the fee but others do n't. They take the Equal out of Equal Credit Opportunity Act. The employees are sarcastic and fake, the service is terrible and they lied to me on multiple occasions. To the point where I will always call back and ask a new rep to verify what they told me is true. So far all of my complaints directly to them have fallen on deaf ears. They are truly terrible to work with and unfair to bank with. Unless you are EXTREMELY qualified you will get no benefit to banking with them, you will only get fee 'd to death and sarcastic service. 
My additional complaints are they are quite rude about credit limit increases. The girl specifically told me that if I requested one and it was n't approved there would be inquiry on my report. I did as she instructed and guess what! She lied. I called and asked about it and the rep I got said "" no she lied to you '' ... ..How does that benefit anyone? 
Eagle National Bank is a failure. They are failing their customers and their shareholders. I will be sure to not direct any of my future investments to anything remotely related to them. 
For the record this can be filed under multiple entries, which I probably will just to make sure the many complaints are categorized appropriately. 
",,Consent provided,Web,2015-11-05,Closed with monetary relief,Yes,No,CR1642057,570
2015-11-05,Credit card,,Rewards,,"Eagle National Bank has offered an XXXX Rewards XXXX for many years. We had accrued many XXXX dollars worth of points that we typically redeem near XXXX time to purchase restaurant pre-pay cards that we use as gifts. I learned today when I went to their web site that Eagle National Bank unilaterally cancelled the program and eliminated my points. They also failed to provide information on how many points they took from me so I do n't have a total value. When I contacted them, they said they had mailed me notices, but I do not recall receiving that mail. They contend that since they told me the theft was going to occur in advance, that the theft was legitimate. I received nothing of value for the points I had accrued in return for their decision to cancel the program. I consider this fraud and an act of bad faith. 
",,Consent provided,Web,2015-11-05,Closed with non-monetary relief,Yes,No,CR1641654,3640
2015-11-05,Credit card,,Closing/Cancelling account,,"I am writing this letter to dispute a record of a missed payment against my credit record caused by unclear and questionable practices of Eagle National Bank. I was a Eagle National Bank customer for over XXXX years beginning in XXXX XXXX and never missed a payment or had an overdraft. Eagle National Bank has now entered a late payment of {$66.00} against my credit record due to a charge they authorized to a credit card that was closed. 
I began closing my Eagle National Bank accounts in XXXX of XXXX. The last remaining account was our XXXX Rewards Card. It was my belief we had made the final payments on the card in XXXX of XXXX. Eagle National Bank owed us approximately {$56.00} on the card as a result of a refund issued to the card from a vendor. The money owed to us was deposited into our other bank. Somehow, the card, which we had been assured by Eagle National Bank was closed, was in fact still active. 
On XXXX XXXX XXXX Eagle National Bank authorized a {$79.00} charge to my XXXX from an automatic renewal from XXXX. The XXXX credit card was supposed to be closed, but this was not even the current card number of the account. The card number had been changed more than a year ago at the recommendation of Eagle National Bank for account security. The current card was no longer valid either, as of XXXX XXXX according to the dates on the card. 
I received a notice in the mail on XXXX XXXX, XXXX that my payment was past due and my balance was {$66.00}. This is because Eagle National Bank, apparently still owed me {$13.00} when I had over-payed on the balance back in XXXX. They subtracted the {$13.00} from the unauthorized XXXX XXXX XXXX charge of {$79.00}. This left a balance of {$66.00} on my "" closed '' account. 
I also received a separate notice from Eagle National Bank on the same day ( XXXX XXXX, XXXX ) that my account was closed and my balance was XXXX! 
I spoke to a very condescending Eagle National Bank representative who offered to put me through a lengthy, charge dispute process, contingent upon my having written to the vendor to inform them I would not authorize the charge. I feared this dispute process was futile as it was explained to me. This is because it required me to have foreseen the future in XXXX XXXX that Eagle National Bank would authorize a charge in XXXX XXXX against a closed account. The Eagle National Bank rep was unable to explain the policies on how the bank decides when an automatic payment would or would not be authorized against a card that was "" closed ''. 
I did not want to risk the possibility of another surprise on my "" closed '' account so I decided to pay the balance. Eagle National Bank told me they would not close the account, despite the fact I was able to pay the balance, because of daily interest accrual that might occur before the end of the month. 
I was forced to escalate the complaint twice to reach a supervisor who would calculate any possible remaining, daily accrual for the month and allowed me to over-pay on the "" balance ''. I was then referred back to their credit dispute department. It has now been many phone calls and XXXX formal attempts to get Eagle National Bank to withdraw the past due record on my credit record caused by their decision to authorize charges to an account which they had verified in writing, was closed. Eagle National Bank has refused in writing the past due record. 
As of XXXX XXXX I am still getting emails from Eagle National Bank on account XXXX informing me I have a bill of {$0.00}. My employer has informed me they are aware of the late payment which could affect my employment. I ca n't find the late payment on my credit reports. I want back of America to correct the late payment record against my credit report, wherever they have hidden it, and guarantee this account is finally and truly closed. 
",,Consent provided,Web,2015-11-05,Closed with explanation,Yes,No,CR1640885,12416
2015-11-05,Credit card,,Identity theft / Fraud / Embezzlement,,"I filed a complaint on XXXX number XXXX I since received the following letter from EN I want to know how I "" benefited '' from someone stealing my identity and making unauthorized charges to my account? How can the CFPB help me? EN rep 's have been the rudest, most uncooperative people I have ever dealt with. Now this letter is just a continuation of their mishandling of this entire matter. 
","Older American, Servicemember",Consent provided,Web,2015-11-05,Closed with monetary relief,Yes,No,CR1642563,2907
2015-11-05,Credit card,,APR or interest rate,,"In XXXX/XXXX/XXXX I transfer {$2600.00} for 0 % promotion rate until XXXX XXXX. At the same time I had another promotion for 0 % rate until XXXX XXXX, and also I was using this card for my daily purchases. Every month I was paying whole amount that I spend on my daily purchases to avoid interest, but my bank use my monthly payments to cover FIRST - XXXX promotion 0 % rate ; SECOND - XXXX promotion 0 % rate ; and after they start to charge me 19.99 % APR even though I still have 0 % promotion rate on XXXX until XXXX XXXX. I did contact bank several times by the phone and in person, but they always had different explanation. After I submit my complain to your agency, I received letter from XXXX XXXX XXXX, Customer Advocate, Enterprise Customer Care Resolution. In this letter he state "" Additionally, you accepted a 0 % APR offer until statement closing date in XXXX XXXX for direct deposit and check cash advanced for {$2600.00}, which posted on XXXX XXXX, XXXX. '' I will scan you this letter and my prove that 0 % promotion rate on {$2600.00} was until XXXX XXXX. I called XXXX XXXX XXXX several times, but he NEVER return my calls. I just do not understand how "" Customer Advocate "" allowed to be dishonest and ignorant. 
",,Consent provided,Web,2015-11-05,Closed with monetary relief,Yes,No,CR1642226,1262
2015-11-05,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank credited my account XXXX $ that were bank over-draft charges as a result of fraudulent activity on XXXX/XXXX/15. On XXXX/XXXX/15 I contacted the bank to ensure that the funds had been returned to the account and that the ACH was denied. On XXXX/XXXX/15 I stopped into the branch to obtain a letter to provide documentation to an outside entity that the issue was resolved. Eagle National Bank sent a letter stating that the case was closed and found in my favor. On XXXX/XXXX/15 they reversed the credit, in addition, charged me XXXX over draft fees for their credit reversal since they processed them separately. After 30 minutes with a representative, they stated that they will expedite the un-doing of the reversal, however, I continue to incur fees from their XXXX $ debit for purchases that were already made. 
",,Consent provided,Web,2015-11-05,Closed with monetary relief,Yes,No,CR1641371,1990
2015-11-05,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-11-05,Closed with explanation,Yes,No,CR1640949,2856
2015-11-05,Bank account or service,Checking account,Deposits and withdrawals,,,,Other,Web,2015-11-05,Closed with monetary relief,Yes,No,CR1642381,3521
2015-11-05,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-11-05,Closed with monetary relief,Yes,No,CR1641671,6944
2015-11-04,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank did it again. I checked my account at XXXX yesterday, saw that it was overdrawn by XXXX, I went to the ATM and made a deposit for XXXX to clear up the negative balance before processing so that I would not incur any overdraft fees, which I can not afford. I looked at my account this morning, and they posted a check OVERNIGHT, REORDERED the processing, as such the Check cleared ahead of all of the other debits which were processing previously, which again made my account negative and I incurred now XXXX overdraft fees instead of XXXX. If the check was processing earlier in the day why did it not show up on my account online. Instead I believed only the other debits were pending based on what showed up on my account online, otherwise I would have deposited enough to pay all the transactions. Instead the check mysteriously appears the next morning, and AHEAD of all of the other debits, when it is too late for me to make a deposit. This is clearly a strategy by Eagle National Bank to collect more fees from working people. This is ridiculous, I am switching banks. 
",,Consent provided,Web,2015-11-04,Closed with explanation,Yes,No,CR1639523,1762
2015-11-04,Bank account or service,Checking account,"Account opening, closing, or management",,"I had a checking account with Eagle National Bank and one day I called in because I was having trouble getting access to my online account. I called in to customer service and they explained that my account had been closed and were n't able to tell me why but just that they had the right to close it at any time if they wanted to. Now this is showing up on my credit report as financial loss because they are putting it as a charge off. This makes no sense because at the time of closing my account, which I now see on the XXXX report I just received is due to "" suspected fraud activity '', I had money in there. They ended up sending me a check in the mail about a week or two after the fact because I had a balance they owed me from direct deposit going in from my paycheck. I am extremely angry because I do n't know why they would even put suspected fraud activity when there is no reason to assume that. I had a bad history of overdraft but always resolved it and had a paycheck being direct deposited into the account every two weeks on the dot so there was no question that it would n't get paid. In addition, it should n't state that I was charged off because there was no negative balance at the time of the account closure, it was POSITIVE, hence them sending me the credit from the balance that was left in my account at the time. This is now hindering my credit and ability to open new accounts. 
",,Consent provided,Web,2015-11-04,Closed with explanation,Yes,No,CR1640089,13694
2015-11-04,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,"My soon to be ex-husband about XXXX or XX/XX/XXXX not exactly sure exactly. It was right before his incarceration XXXX for defrauding the government of federal funds. He confessed that he was afraid of getting in more trouble for he had been withdrawing his deceased mothers Social Security benefits direct deposits into her Eagle National Bank account, and withdraw the money from our joint bank account or transfered the money to cover the stolen social Security benifits also Eagle National Bank. Date of XXXX : XXXX to XXXX XXXX. Bank location XXXX XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. About XXXX through her ATM card. In the equalization of marital assets he has failed to comply with court on mandatory disclosure ive exhausted all ky marital assets in persuit of my half to pay back social security. I would so grateful to Consumer Finance in investigating this matter. I tried several times to get proof and to no avail. I first called Office of Attorney General, Federal Trade Commission got police reports from both XXXX and XXXX police and absolutely nothing. I just called XXXX last week again and was able to extract some useful information and was given your website and also your phone number. I really feel confident now that I am at least getting closer to a resolution. Thank you for your time. 
would need a subpoena to open and get statements to substantiate my claim. 
",,Consent provided,Web,2015-11-04,Closed with explanation,Yes,No,CR1638710,8726
2015-11-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,"My wife and I wrote a check to our daycare provider from our joint BofA checking account. BofA refused to honor the check for fraud purposes, even though the account has never been subject to fraud claims before. BofA called prior to dishonoring the check and left a strange message. Due to other bank frauds, where scammers pretend to dial card and accountholders to phish account details, neither my wife nor I answered and instead called the bank directly when we had free time later that day. During that call, BofA said that we had called too late and they were dishonoring the check and we would have to write a new one. 

Due to this, my daycare provider had to pay a {$12.00} fee to their bank. My wife and I have covered the fee and sought compensation for the issue from BofA. BofA has refused, despite the fact that the fee was due to their dishonoring a validly issued check and the company 's overly sensitive risk practices. 
",,Consent provided,Web,2015-11-04,Closed with monetary relief,Yes,No,CR1640045,2825
2015-11-04,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX XXXX, 2015 I requested from EN the closure of my account to stop future overdrafts since I have been having difficluties which have resulted in OD. I asked the bank to close the account to stop paying overdrafts and requested a waiver from OD fees. 
The bank has refused to close the acccount and instead, even after been notified to stop OD, it continues to add OD fees and did not repond to the request other than the bolier plate messages. See copy of messages attached. 
The bank acts in an unfair and deceptive matter since it encourages customers to do as much as possible for account management online, but when this is not convenience for the bank the rules are changed for the bank 's benefit. The account disclosure does not indicate that online request to stop paying OD will not be honored and that the bank will continue to charge fees to the account. In order to settle the matter I will agree to pay immediately the principal amount due prior to the OD plus the additional charges of a low balance fee of {$12.00} this charged was clearly disclosed at the time the account was opened. I would appreciate a waiver of all OD fees since the notification to the bank to close the account. Copies of emails below : 
",Older American,Consent provided,Web,2015-11-04,Closed with non-monetary relief,Yes,No,CR1639599,2528
2015-11-04,Credit card,,Other,,"I have a 0 % promotion on my Eagle National Bank credit card. New charges are charged at 16.9 %. I make sometimes XXXX or more payments and pay in excess one hundred dollars additional or more on my account monthly in order to pay off the new purchases. Eagle National Bank was posting the additional payments to the 0 % promotion and not to the new purchases with higher interest rates. Therefore ' leaving me to pay interest incorrectly. I spoke to several representatives and was told that Eagle National Bank was aware of the error and was working at appropriately applying the payments and would have the additional incorrect interest credited back by XXXX. I called Eagle National Bank again on XXXX XXXX and the representative seemed to have no clue of the issue. I asked for a supervisor who initially seemed clueless and finally told me the changes would reflect in XX/XX/XXXX instead of XX/XX/XXXX now. 

I have made numerous calls to Eagle National Bank in regards to this issue and have been continually put off. 
",,Consent provided,Web,2015-11-04,Closed with explanation,Yes,Yes,CR1639285,1907
2015-11-04,Credit card,,Credit determination,,"i like fia and do not want to do this. FIA card services i asked for credit line increrase on card ending XXXX was declined for reasons not accurate. i have not asked before now. and i do pay. i was granted XXXX on another card recently. with it this way i will not use it much. these reasons are inaccurate. i ask for someone to check it since i can not wait on hold all day i wanted XXXX line now there is a hit on my credit card line. 
",,Consent provided,Web,2015-11-04,Closed with explanation,Yes,No,CR1642741,1246
2015-11-04,Credit card,,Closing/Cancelling account,,"I was a long time Eagle National Bank customer. I closed my account because they have no branches in my current state ( UT ). After having paid in full, I closed my accounts and moved. My now closed account was charged by an annual subscription to XXXX that I was unaware of. They accepted the charge to my closed account and I did n't pay because I had no further relationship with EN. I went to apply for a home loan and was told this delinquent payment existed. I immediately paid it in full, however they have refused to remove either the charge or the delinquent statement from my credit. Their mistake will cost me thousands of dollars on my home loan and I do not know what to do. They have been absolutely unreasonable and though the individuals I have dealt with have been sympathetic it comes down to this : I can never full end my relationship with EN. I now how to watch them for years to come ... 
",,Consent provided,Web,2015-11-04,Closed with non-monetary relief,Yes,No,CR1639017,3578
2015-11-04,Credit card,,Identity theft / Fraud / Embezzlement,,"XXXX Card stolen - charges exceeded {$8700.00}. XXXX started harrassing me ; I hired an Attorney ; Filed a Motion in XXXX Court Case # XXXX ; settled out of court w/Agreement to pay only my balance owed at the time of Identify Theft Settlement XXXX XXXX, 2013 XXXX. XXXX reported XXXX XXXX reported {$8700.00} as my Income. I have Filed with XXXX Form XXXX w/Police Reports and documents of Person ( s ) who stole my Credit Card was unknown to me, XXXX Bank Credit Card # Stolen ; {$7500.00} credit Approved by XXXX Bank by XXXX XXXX a neighbor residing at XXXX XXXX XXXX, XXXX, GA XXXX ; Police Report Filed case # XXXX and XXXX XXXX Police Dept.. 
",Older American,Consent provided,Web,2015-11-09,Closed with explanation,Yes,No,CR1639182,137
2015-11-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"During the years XX/XX/XXXX I purchased several Growth Savings Bonds from XXXX Federal Savings XXXX XXXX XXXX which no longer exist. I have contacted Eagle National which acquired XXXX about savings accounts that should have been set up after these bonds had reached their maturity dates. I have spoken to several bank personnel with no one being familiar with these growth savings bonds or any accounts set up with these funds. I have also visited the unclaimed funds website with no accounts being found for the names listed as the bond holders. 
",,Consent provided,Web,2015-11-04,Closed with explanation,Yes,No,CR1638890,937
2015-11-04,Credit card,,Other,,"After reviewing my credit report, I discovered that Target has been adding new "" Key Derogatories '' when I settled on this account two years ago. This is inaccurate and only serves to lower my credit score. I have been disputing this account for a few months now and Target has done nothing but damaged my score even more. There can not be ANY "" payment history '' entries AFTER the account was paid because this is a closed account and there is no balance due. I am also attaching a copy of my credit report showing their updates in my payment history. Their inaccurate reporting is unfairly damaging my credit score and needs to be removed! 
",,Consent provided,Web,2015-11-04,Closed with non-monetary relief,Yes,No,CR1640673,2772
2015-11-04,Credit card,,Other,,,,Consent not provided,Web,2015-11-04,Closed with explanation,Yes,Yes,CR1639856,3976
2015-11-04,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,Consent not provided,Web,2015-11-04,Closed with explanation,Yes,No,CR1640731,3478
2015-11-04,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2015-11-04,Closed with explanation,Yes,No,CR1639128,603
2015-11-04,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-11-04,Closed with explanation,Yes,Yes,CR1640072,438
2015-11-04,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-11-04,Closed with explanation,Yes,No,CR1639267,3128
2015-11-03,Bank account or service,Checking account,"Account opening, closing, or management",,"I got married on XXXX/XXXX/15 which resulted in a name change. I contacted Eagle National Bank as I have multiple accounts with them, two checking accounts, a savings account, and a credit card. I am also an authorized signer on my parents bank account, as they are on mine for emergency purposes. XXXX of my other sisters is also an authorized signer, and she lives out of state as well. I contacted my local Eagle National Bank branch to confirm the paperwork I would need to make the change - except they would not allow me to make the change on my own. They are making me have every signer on the account come in and sign for my name change, keep in mind, no one else 's names or information were changed. I call the telephone banking number, I was initially told this should not be a problem and I should go back to the branch. I go back to the bank branch prepared with my legal documentation, again I was denied the ability to change my name without all of the other signers. The issue is, my father who is on the account, works out of state and there are no branches where he works. I call the telephone banking number again, I was told there is no way around this, but was told I could close my account with only my signature. I was also told this at the branch. Why I would want to close my account of 20 plus years and open a new XXXX, is beyond me. Especially when it would not fully resolve the issue, my name is on other accounts and I will not close my parents bank account. Eagle National Bank offered to mail me a form to complete, I called twice on this form and kept being told "" The form is on the way, give it time '' 2.5 months later, I am still waiting on said form. Eagle National Bank 's policy on this is asinine, all I want to do is change my bank account to my legal name. I have done this same action with other financial institutions and all it required was a phone call and a form, no other account signers required. Eagle National Bank 's policy is outdated and a major inconvenience to consumers and they offer no viable solutions. 
",,Consent provided,Web,2015-11-03,Closed with explanation,Yes,No,CR1638094,408
2015-11-03,Bank account or service,Checking account,Using a debit or ATM card,,"I lost my bank card, and someone deposited XXXX stolen checks into the account in one day totaling more than 5000 dollars, then took out as much as they could before the card was put on hold ( around 1400 dollars ). The bank did a fraud check and found no fraud was committed. I went to the bank and asked what their decision was based on, and they said that it was because nobody else had my pin, I ask them for copies of the checks that were deposited and XXXX of them where not endoresd and the one that was, was no where near my signature. So i asked them to check the film and see who made these transactions, so they asked me to send them my florida photo id, which i did, then they made the same determination as before without looking at the film ... .someone stole my card and did this without any acknowledgement from me, and now they are saying that I owe them over 1400 dollars. 
",,Consent provided,Web,2015-11-03,Closed with explanation,Yes,No,CR1638257,2490
2015-11-03,Bank account or service,Checking account,Deposits and withdrawals,,"Please find the email I sent to EN re : them overdrafting my account by double debiting a BANK check. Not only was I NEVER able to reach a live person on the phone ( after two 25+ minute hold times ), I sent the below email to them only to have them respond to me that they no longer accept such emails and directed me back to their Online chat, or call center. They are the worst ( though they 're likely in good company with other massive banks ). 

Dear Eagle National Bank/client retention : You have your work cut out for you today. I 've had enough. Enough of your poorly facilitated transactions, poorer customer service, and lack of any kind of reliable feedback. I 've been a EN client for over 10 years, with checking, savings, credit card, and business accounts, however you 've done NOTHING to keep my business, and now I know that the final straw has been dropped. 

Today you double-debited my checking account for my rent check, overdrawing my account by {$1500.00}. When I called to rectify, I was on hold for over TWENTY minutes ( 23 minutes before I had to move on with my life, and hung up ). Concurrently, I attempted to use your chat service- for the first 10 minutes, NO AGENTS were available. Then, I was told it would be a 6 minute wait. SIX minutes- to clear up your error. Keep in mind, I 'm still on hold on the phone during this entire time. 

Next, I tried to send an email- to my surprise ( though perhaps I should n't be surprised given your pattern and trend of sub-par service ) the only "" options '' I was given to send an email re : checking are : order a check copy, order a statement copy, or "" financial hardship. '' Are those really the ONLY things you think your customers might need to email you about?? 

Enough. By my own sweat and efforts ( as you 're clearly not accessible to help ) I 'm going to clear up your error regarding my checking account. I will next be opening new accounts with my local bank. My direct deposits, cash, and all other immediate banking will be going elsewhere because, frankly, you 're too big to care. Shame on you for being a glutton. Shame on you for becoming the target and symbol of what this country now despises. I should have seen this coming, of course ; I 'm just too smart to be banking with EN. 

Sincerely, 
",,Consent provided,Web,2015-11-03,Closed with monetary relief,Yes,No,CR1637489,1222
2015-11-03,Credit card,,Billing disputes,,"Credit card issued by FIA Card Services for Fidelity Investments failed to uphold XXXX protection warranty against incorrect and fraudulent charges. In XXXX of 2015 a company XXXX XXXX with whom I was doing business opened a second account without my knowledge or authorization and begin sending me XXXX shipments of their products. When discovered, a call to cancel the second account was not honored by XXXX XXXX. Upon receiving yet another shipment under this mix-up I called a second time to cancel the account on XXXX/XXXX/2015. The XXXX XXXX representative gave me such a hassle in this request refusing over and over to accept a return, I decided to completely sever my ties with the company and cancelled my other account as well. Stating I should n't have to pay to return a product I did n't order, XXXX XXXX agreed to send me a return shipping label but stated it would take them up to four weeks to do so. I immediately called the Fidelity Investments card to dispute the charge. They informed me I could n't do so without returning the merchandise. Upon exampling how I 'm damaged if I have to pay to return something I did n't order, the FIA Card Services representative said wait a day and I could then dispute the charge. Instead, I notified FIA Card Services and stated I would wait the full four weeks XXXX XXXX stated it would take them to provide a return shipping label. I called FIA Card Services approximately three weeks later to notify them I was still waiting for a return label. After the four weeks had passed and no shipping label had been provided, I called FIA Card Servcies again at which time FIA Card Services informed me they decided in my favor and informed me I could dispose of the product or do whatever I wish with it. Several weeks later I then received a letter from FIA Card Services saying they opposite saying they needed proof I had returned the product. I explained to them how I had not received a label, how I had to call twice to cancel the account which I never even authorized being opened, and they themselves [ FIA Card Services ] had told me to dispose of the product because the case had been resolved. They stated the merchant claimed I received the product because I cancelled after I received the product. However this was after the second time I called to cancel and they also failed to provide a return shipping label as promised. I then stated if the merchant provides a list of the items theyshipped and return label I will return what I can. FIA Card Services response was to send me a letter dated XXXX/XXXX/2015 that the cased was closed in favor of XXXX XXXX unless I could provide proof I had returned the merchandise. The bottom line here is simple, I nor anyone else should have to pay money to resolve an issue that was the fault of someone else. I did n't order this product, I did n't authorize the account being opened, I had to call twice to close the account, and I offered twice to return the product [ second time as best as possible anyway ] yet somehow FIA Card Services feels I 'm the one who should be damaged. 
",,Consent provided,Web,2015-11-03,Closed with monetary relief,Yes,No,CR1637298,3611
2015-11-03,Credit card,,Identity theft / Fraud / Embezzlement,,"I had a fraudulent charge XXXX for {$240.00} XX/XX/XXXX. I reported the charge to Eagle National Bank XX/XX/XXXX. They issued a credit for {$240.00} XX/XX/XXXX and {$240.00} plus {$10.00} as interest adjustment on XX/XX/XXXX. They mailed me a check for this credit which i deposited XX/XX/XXXXXXXX issued a credit for {$240.00} on XXXX/XXXX/15 to the card that had been closed. Eagle National Bank caught their error and put a charge of {$240.00} on my account. The first fraud manager, XXXX, to whom I spoke found the credit XXXX, turned it into a debit and had me owing {$490.00}. Since she never returned my call as she said she would do, I called back and got XXXX. He at least fixed the credit to debit error. I now owe {$240.00}. I 've already paid for the fraudulent charge. Eagle National Bank issued a credit. XXXX issued a credit. Right now I owe Eagle National Bank {$240.00}. So if they get their way, I will have ended up paying for the fraudulent charge twice instead of receiving a fraud reimbursement from Eagle National Bank and the charge back XXXX, which I pursued and obtained on my own. 
",,Consent provided,Web,2015-11-03,Closed with explanation,Yes,Yes,CR1639899,3994
2015-11-03,Credit card,,Unsolicited issuance of credit card,,"I have asked for Eagle National Bank to provide me with a copy of the authorization agreement to prove I requested the account to be opened in my name. They have n't sent anything but billing statements which do not legally prove I requested the alleged account to be opened in my name and a letter I will attach. 
",,Consent provided,Web,2015-11-03,Closed with explanation,Yes,No,CR1637176,12729
2015-11-03,Credit card,,Other,,,,Consent not provided,Web,2015-11-03,Closed with explanation,Yes,No,CR1638044,2215
2015-11-03,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-11-03,Closed with non-monetary relief,Yes,No,CR1638266,1067
2015-11-03,Credit card,,Credit determination,,,Servicemember,Consent not provided,Web,2015-11-03,Closed with non-monetary relief,Yes,No,CR1637306,3272
2015-11-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-11-03,Closed with explanation,Yes,No,CR1636855,6183
2015-11-02,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank continues to deny me the ability to open an account after I have reported fraud on an old account as well as including it in a bankruptcy because they refused to honor the identity theft police report. 
",,Consent provided,Web,2015-11-02,Closed with explanation,Yes,No,CR1634981,536
2015-11-02,Bank account or service,Checking account,"Account opening, closing, or management",,"good dayMy name is XXXX XXXX and attend XXXX XXXX where I have a business account to request a machine to collect cards, the contract you sign does not correspond to the contract requested and sent me the bank since that is not my signature. Plus I had understood that the seller was only one year contract and that is signed with my name but not my signature says 48 months. Also the first machine they sent me was not right so ask the right but never refunded me the first collection of the first incorrect. 
",,Consent provided,Web,2015-11-02,Closed with explanation,Yes,No,CR1635756,3721
2015-11-02,Bank account or service,Checking account,Deposits and withdrawals,,"I deposit a check payable by XXXX Bank and issued to me XXXX using a Eagle National Bank ATM on XXXX15 to my Eagle National Bank account. I checked my account on Saturday and it reflected no hold on my account. This morning XXXX/XXXX/15, I logged into my Eagle National Bank account stating a hold was placed on my account and I was being notified by mail. Meanwhile I have a contractor coming to my house that I need to make a payment so he can start repairs to my home. That check I deposited is for the repairs to m home. I called Eagle National Bank I was told the funds would not be available until XXXX/XXXX/15. I was under the understanding that banks are not allowed to hold funds for that long. 
",,Consent provided,Web,2015-11-02,Closed with explanation,Yes,No,CR1634901,2029
2015-11-02,Credit card,,Rewards,,"After logging on to my Eagle National Bank Credit Card site ( XXXX XXXX, 2015 ), I saw that there was a message from Eagle National Bank. The message stated that they were voiding and removing any of my Reward Points from my Elite Reward Program as of XXXX XXXX, 2015. I called the Eagle National Bank to investigate. I was told that they sent a message to me in XXXX and that there was nothing that they would do to reinstate my Reward Points. I asked how they could do such an amoral action? I was informed that they agreed with me that it was wrong, but that it was a corporate action. The total value of my collected points was about {$700.00}. I was going to use this to buy airline tickets to my wife 's family for XXXX. Ahh!!!!! This is just not right. I have played by the rules my whole life regarding paying my bills and saving {$.00} Please help and let others know that their points have been robbed. Thank you 
",,Consent provided,Web,2015-11-02,Closed with non-monetary relief,Yes,No,CR1636323,4630
2015-11-02,Credit card,,Customer service / Customer relations,,"Eagle National Bank is continuing to harass me with phone calls for a credit card that actually has a negative credit balance on the card ( i.e., two payments were credited to the card, one made some time ago and another recently, so now effectively Eagle National Bank owes me money ). On XXXX XXXX, 2015 at XXXX EST a representative of Eagle National Bank called from XXXX, identified herself as "" XXXX '' and wanted to discuss a recent complaint that I filed with the CFPB. I said "" Fine ''. She then said that she wanted to record the conversation and I agreed, but when I stated to her that I would also like to record the conversation she declined. So apparently what 's good for Eagle National Bank is n't good for their customers. 
",Older American,Consent provided,Web,2015-11-02,Closed with explanation,Yes,No,CR1635077,2489
2015-11-02,Credit card,,Credit card protection / Debt protection,,"On XXXX XXXX a fradulent amount of {$35000.00} was charged to my Eagle National Bank credit card and transferred to a bank by the name of XXXX bank by a criminal. I called by credit card company to report this fradulent activity. I fear that my bank account information and identity has been compromised this is the second time this month some theif has goe into XXXX separate account of mine and my wifes. Can someone please investigate this incident. My statement from Eagle National Bankn showed that {$35000.00} dollars had been transferred to someone 's bank account at XXXX Bank, I called XXXX bank and they would not give me any information. Please investigate who this criminal perpetrator is and who has stolen my personal account information??? 
",Older American,Consent provided,Web,2015-11-02,Closed with explanation,Yes,No,CR1636525,2885
2015-11-02,Credit card,,Transaction issue,,"On XXXX XXXX, 2015 I had a water heater installed for {$850.00}. The plumber charged this amount with a hand held credit card processor to my Eagle National Bank Visa. 

A couple of weeks later, I was online checking the activity on that credit card and saw the water heater entry was not on it. I called the plumber and he resent the charge thinking the first entry did not go through. When I received my credit card statement in the mail, the {$850.00} water heater charge was on it twice ; one transaction dated on XXXX XXXX, 2015 and posted XXXX XXXX, the second transaction dated XXXX XXXX, 2015 and posted XXXX XXXX, 2015. 

I called Eagle National Bank and they said they would remove one of the {$850.00} charges. My next Visa statement showed a balance adjustment of {$850.00} made with the transaction date of XXXX XXXX, posted on XXXX XXXX, 2015. 

Since then the plumber has called me and said his bank never received the {$850.00}. He said his bank shows there were XXXX charges in the amount of {$850.00} each and that both charges were deducted by Eagle National Bank. 

I called Eagle National Bank and they told me they paid his bank. I asked for some type of documentation to give the plumber or his bank to show that Eagle National Bank processed it correctly. They refused. They said they would provide that information only if the plumber takes legal action against me. 

The plumber is a self employed, small business owner and has not been paid for the water heater. To go to court could cost him as much as the water heater. 

I paid {$850.00} which I can prove, but that money can not be accounted for. Someone has my money. I am asking for Eagle National Bank to provide proof that they sent {$850.00} to the correct party at the correct bank. 
",Older American,Consent provided,Web,2015-11-02,Closed with explanation,Yes,Yes,CR1635272,1871
2015-11-02,Credit card,,Other,,"Please consider the additional information set out below as amending existing File No. XXXX, or a new complaint. While Eagle National Bank ( "" EN '' ) acknowledges that I have had a credit card issued by them since XXXX, the Bank has repeatedly reset the date of card issuance and in the process has reported false information to all credit rating agencies. These agencies have lowered my rating, because I allegedly do not have a credit line of 15 years or older. 
Most recently, EN reset my credit line date to XXXX from XXXX, apparently because I added my wife to the account. See attachment. 
Whether by defective computer algorithm, or willful negligence, EN has reset my credit card account date, despite no material change in my credit status and no change in the account number since XXXX. The company regularly and unilaterally changes account numbers when it discontinues a card type, or has to remedy a security breach. In my case the company reset to zero my length of credit simply, because I got married and added my wife to the account. Such a change should not affect the start date of the account, particularly since my account number has remained the same since XXXX. 
In a nutshell, EN has a policy to reset account start dates that adversely impacts one 's credit rating without any cause. Certainly my risk does not increase when the company simply changes account numbers. Please note that the attached pdf file of credit cards for my wife and me have different dates. While my card should have XXXX as the start date of credit, it does acknowledge that the start date for this particular account was XXXX. Rather than apply the same start date for my wife, EN uses XXXX and apparently reset my account start date to XXXX as well even though my card still shows XXXX as the start date. This practice makes no sense and has the uncessary and harmful effect of denying loyal customers an A credit rating for having lines of credit exceeding 15 years. 
",,Consent provided,Web,2015-11-02,Closed with explanation,Yes,No,CR1635027,4437
2015-11-02,Credit card,,Arbitration,,,,Consent not provided,Web,2015-11-02,Closed with non-monetary relief,Yes,Yes,CR1635577,1237
2015-11-02,Credit card,,Balance transfer,,,,Consent not provided,Web,2015-11-02,Closed with monetary relief,Yes,No,CR1635886,1585
2015-11-02,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,Consent not provided,Web,2015-11-02,Closed with monetary relief,Yes,No,CR1636118,3190
2015-11-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-11-02,Closed with monetary relief,Yes,No,CR1635140,3179
2015-11-01,Bank account or service,Checking account,"Account opening, closing, or management",,"Check "" clearing '' is the process of moving a check from the bank in which it was deposited to the bank on which it was drawn, and the movement of the money in the opposite direction. Due to Eagle National Bank 's ( EN ) banking malpractice - stating that a check is "" cleared ( C ) '' prior to completing check verification, and EN bank teller not informing that the check has "" not cleared '' after check verification as well as transaction receipt not reflecting this - EN was responsible for a fraudulent act to be committed on me, which will become evident by the supporting information provided. On XXXX XXXX, I had deposited a check for {$7100.00}. On XXXX XXXX, the EN bank teller stated check "" cleared '' and I withdrew {$3100.00}. On XXXX XXXX, I withdrew a Cashier 's check for {$4000.00}. Subsequently, i found that the online account showed return item chargeback for "" cleared '' check of {$7100.00} with a return item chargeback fee of {$12.00}. I called EN customer service claims and explained above sequence of events. EN rep mentioned that on XXXX XXXX midnight the check was processed and verified to be altered/fictitious, and that this information was updated to the system by XXXX XXXX on XXXX XXXX, and that the bank teller at the EN XXXX XXXX NJ branch was able to see this information in the system. However, when I had been to the branch on XXXX XXXX at XXXX XXXX, the bank teller said that the check was "" cleared ''. She did not mention the check was processed and "" not cleared '', but instead that the check was "" cleared ''. Also, the withdrawal transaction receipt ( XXXX XXXX, XXXX XXXX ) shows that my remaining available balance after withdrawing {$3100.00} was {$210000.00} i.e. {$4000.00} more than the previous balance of {$200000.00}. 

Questions:1. If, as mentioned by the EN claims rep, the check was processed on XXXX XXXX XXXX and verified to be fictitious/altered, and the information was updated to the system by XXXX XXXX on XXXX XXXX : a. Why did the online account show the check as "" cleared '' ( C ) on XXXX XXXX? 
b. Why did the teller not inform me that the check was verified to be fictitious/altered as of XXXX XXXX on XXXX XXXX, and thus "" not cleared ''? 
c. Why did the cash withdrawal transaction receipt of XXXX XXXX on XXXX XXXX show the remaining available balance after withdrawing {$3100.00} to be {$210000.00} and not {$200000.00} ( available balance before depositing check was {$200000.00} )? 

XXXX. If, for the purposes of argument, the check verification was completed after XXXX XXXX on XXXX XXXX : a. Why did the online account show the check as "" cleared '' ( C ) on XXXX XXXX? 
b. Why did the EN claims rep tell me that the verification was completed on XXXX XXXX XXXX, and that the information was updated to the system by XXXX XXXX on XXXX XXXX? 

XXXX. The cash withdrawal transaction receipt of XXXX XXXX on XXXX XXXX shows available balance of {$210000.00} after withdrawing {$3100.00}, whereas the online account as of XXXX XXXX shows available balance of {$200000.00} after withdrawing {$3100.00}. What is the reason for the discrepancy? 

If, by XXXX XXXX XXXX, the check was verified to be fictitious/altered, and by XXXX XXXX on XXXX XXXX, the information was updated in the system, why does the cash withdrawal transaction receipt of XXXX XXXX on XXXX XXXX show the available balance of {$210000.00}? 

Responses to the above questions will make it evident that EN was responsible for a fraud committed on me due to their banking malpractice. 
",,Consent provided,Web,2015-11-01,Closed with explanation,Yes,No,CR1634620,440
2015-11-01,Bank account or service,Checking account,"Account opening, closing, or management",,"I banked at Eagle National Bank, and my Roommate banks at XXXX XXXX. At the beginning of the month my roommate, who also happens to be a relative, wrote me a check for her part of the rent. I did a mobile deposit that night because I live XXXX miles from a banch. 3 days later Eagle National Bank reverses the check for no apparent reason. I called customer service and the agent assured me it was okay to try the deposit again. I verified with my roommates bank that she had the funds available. So the next day, I had my roommate write me another check for the same amount and I do another mobile deposit. The following Monday Eagle National Bank placed a hold on the funds. I called them and they told me to call their risk department. 

During my call with the risk department I was told they were closing my account. I asked about the check, and they said they would reverse it after a week. A week passes and I called again to find out why my roommate had n't seen the funds go back into her account. At that point they said the check was still on hold, and after it had cleared they would send me a cashiers check. 

The following week was Payday, so I had to setup an account somewhere to receive my paycheck. I chose XXXX XXXX because they have a banch down the street. XXXX receives my employers Direct Deposit without any problems. A few days after payday I go into the branch to make a withdrawal because I do n't have a debit card yet. I get the cash without any problems. 

A few more days pass ( roughly 10 days since being told I will be sent a cashiers check ), I received the Eagle National Bank check and I deposit it at XXXX. The teller accepts the check no problem. 

I go back to zions a few days later to withdraw cash because I still do n't have a debit card, and I am told after 4 hours that XXXX is closing my Account because Eagle National Bank flagged my name on a interbank name registry as a bad customer because the check I deposited from my roommate was "" bad. "" I am frustrated because Eagle National Bank allowed the check to clear and included the funds from the check in the cashiers check that they gave me. Additionally my roommates bank sent them the Money and did n't even question the check. 
",,Consent provided,Web,2015-11-01,Closed with non-monetary relief,Yes,No,CR1634629,12144
2015-11-01,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-11-01,Closed with explanation,Yes,No,CR1634672,4949
2015-10-31,Bank account or service,Other bank product/service,Using a debit or ATM card,,"For the second time in a year Eagle National Bankn has notified me that they are canceling my current XXXX debit card tied to my checking account with them and will issue a new card due to "" possible compromise '' of the account number with an "" undisclosed merchant ''. After the first incident, I contacted the bank wishing to know the identity of the "" undisclosed merchant '' so I could modify my purchase behavior as deemed necessary and was refused the information, Eagle National Bankn saying they did not have it and was advised by XXXX. There is no one to contact at "" XXXX '', of course. I find this both unacceptable and improbable. Why is this information denied the consumer when major security breaches are reported on the evening news? 
",,Consent provided,Web,2015-10-31,Closed with explanation,Yes,Yes,CR1634210,563
2015-10-31,Bank account or service,Checking account,Using a debit or ATM card,,"I was charged a {$5.00} fee by Eagle National Bank for withdrawing {$30.00} on or about XXXX/XXXX/2015. There was no disclosure of the at time of the transaction. 

I called Bank America customer service number on the back of the card XXXX on XXXX/XXXX/2015 around XXXX central and was told that we were on a recorded line. I shared my concern regarding a {$5.00} fee and was told that the fee was because of a {$20.00} withdrawal at a gas station on XXXX/XXXX/2015 but that he did have the authority to waive the fee. I requested to talk to a supervisor, XXXX the supervisor said the fee was for a transaction of {$30.00} at another bank. I again explained that the fee was not disclosed and that I would not knowingly agree to pay {$5.00} to access {$30.00}. XXXX said that she did not have the authority to waive the fee. I requested the next layer of management to take my complaint to and told that there is no one else at Bank Ameica to take my complaint. 

I am filing this complaint because I do n't believe the undisclosed {$5.00} I was charged is fair and have no other recourse through Eagle National Bank. 
",,Consent provided,Web,2015-10-31,Closed with monetary relief,Yes,No,CR1632823,130
2015-10-31,Credit card,,Credit line increase/decrease,,"I have had a Target Visa Red Card since XX/XX/XXXX.I never had a late payment and by XX/XX/XXXX I had a credit limit of {$5000.00} with a cash limitof {$2100.00}. In the beginning of XX/XX/XXXX Target lowered my credit limit to {$3500.00} and cash limit to {$0.00} with no warning, no letter, and no explanation. I called, the first rep was not helpful, saying they always send a letter, did not want to give me a supervisor or credit ananlyst, saying they would say the same things he did. I finally got transferred to a supervisor.She could give me no reason for the decrease, and she saw there had been no letter sent with notification or explanation. She noted I had recently updated my income. After lookin over my history she told me she could not reinstate the limit manually but it would be reinstated in the upcoming review. She indicated the review was soon. As of today XX/XX/XXXX my limit has not been reinstated. This is not the first time I 've had a credit supervisor in a company not keep their word about approvals, imcreases, etc. I did nothing to cause the decrease and was given no explanation or a letter before or after. 
","Older American, Servicemember",Consent provided,Web,2015-10-31,Closed with explanation,Yes,No,CR1634313,1543
2015-10-31,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-10-31,Closed with non-monetary relief,Yes,No,CR1633839,3149
2015-10-30,Bank account or service,Savings account,Using a debit or ATM card,,"HiI received a notice that my account had fraudulent activity and they were issuing me a new card : see notes belowATM/debit card ending in XXXX XXXX XXXX, We 're letting you know your ATM/debit card may have been part of a compromise at an undisclosed merchant. This does n't mean that fraud has or will occur on your account. However, as a precaution, we issued you a new card that will arrive soon in a Eagle National Bank ( R ) envelope with a XXXX, Delaware, return address. 
Please activate your new card as soon as you receive it. And, keep in mind : Your current debit card will deactivate on XXXX/XXXX/2015 or when your new card has been activated, whichever comes first - If you have an ATM-only card, it remains active until the deactivation date regardless of when you activate your new card Your PIN and checking or saving account numbers are unchanged. 
Your security is important to usAs always, your card comes with {$0.00} XXXX XXXX which means we 'll credit fraudulent charges made with your card back to your account as soon as the next business day, if promptly reported to us. 
Also, your new card now has new chip technology that provides stronger security when used at a chip-enabled terminal. For more information, visit bankofamerica.com/chipcardfacts. 
We 're continuously monitoring your card ; however, if you do notice any transactions you did n't make, please call us at XXXX. 
I have overdraft on my account and and i informed this back two days ago that I needed to make a large purchase today. They put a hold on the overdraft funds from my savings account and I ca n't also access my regular funds from savings. I verify the transaction to the fraud department and I was told by the fraud department to wait XXXX hours so that the hold will release. I was able to get out XXXX and needed to get out XXXX in total. I do not believe they have any justification to hold my funds nor apply it to my account if I have overdraft which I just took off my account today. XXXX the supervisor in customer service just helped me after I informed them I was making a complaint the XXXX. 

Kind Regards, XXXX 
",,Consent provided,Web,2015-10-30,Closed with explanation,Yes,No,CR1632443,2892
2015-10-30,Credit card,,Billing statement,,"I logged onto my Eagle National Bank online account on XXXX XXXX and my account showed that I had a payment of {$32.00} due on XXXX XXXX. I made the payment at that time. When I logged on again on XXXX XXXX, my account showed a past due amount of {$32.00} and a late fee of {$25.00}. I verified that the payment of {$32.00} posted to my bank account on the XXXX of XXXX and called B of A. I was told that my XX/XX/XXXX statement closed on XX/XX/XXXX and that my payment of {$32.00} for XX/XX/XXXX was applied to my XX/XX/XXXX statement. After I explained that my online account showed a payment due for XXXX XXXX, the XXXX reversed the late fee and I was told that the payment would be applied to my XX/XX/XXXX statement. I checked my online account today and my statement for XX/XX/XXXX shows a late fee of {$25.00} and past due of {$32.00}, as well as credits for {$25.00} and {$32.00} ( meaning that the credits were applied to principal instead of reversing the charges ). Additionally, my minimum payment amount, which contractually should be 1 % of the outstanding balance was now {$89.00} instead of the {$32.00} is should be. This was because B of A was adding the late fee and "" past due amount '' to the minimum amount due ( {$32.00} + {$25.00} + {$32.00} = {$89.00} ). I have contacted Eagle National Bank 's customer service multiply times and have been told that there is nothing that they can do. I feel that it is an unfair and deceptive practice for a company to tell a customer that they have a payment due and after the customer makes the payment, apply it to the previous statement cycle and increase the next minimum payment due. While the increase from {$32.00} to {$89.00} has little affect on my ability to make my payment, I 'm concerned that this practice could but some borrowers into the position of not being able to make the increased payment. If this is happening because of a timing issue between B of A 's online system and accounting system, it seems to me that it is something that B of A should correct, not an issue that should be passed on to their consumers. 
",,Consent provided,Web,2015-10-30,Closed with monetary relief,Yes,No,CR1633450,1166
2015-10-30,Bank account or service,Checking account,Deposits and withdrawals,,"I made a purchase for furniture with XXXX XXXX, check # XXXX is with my checking account at XXXX Bank account. The salesman ( XXXX XXXX ) used wife 's ( XXXX XXXX ) name on the check instead of the furniture store. Someone cashed the check and did not deliver the furniture. The furniture store is no longer in business, and we are having difficulty verifying who cashed the check. This constitutes fraud. I want a refund. XXXX Bank refuses to provide the information about who cashed the check. After several months, they now say it was cashed at Eagle National Bank. XXXX confirmed that they do not verify payees, and will clear a check with anyone 's signature even if it does not match the payee 's name on the check. I contacted Eagle National Bank, upon XXXX Bank 's insistence. but Eagle National Bank is saying to contact XXXX Bank. Neither wants to take responsibility for verifying the payee. Eagle National Bank refuses to give any information to me and says XXXX Bank should contact them so both banks could resolve the issue. XXXX Bank refuses to handle the matter.. Attached is a copy of the XXXX check, and a copy of the audio recording made with Eagle National Bank who says XXXX Bank must contact them. THIS COMPLAINT IS FOR XXXX PARTIES -- Eagle National Bank AND XXXX BANK. 
",Older American,Consent provided,Web,2015-10-30,Closed with explanation,Yes,No,CR1632752,3659
2015-10-30,Bank account or service,Checking account,"Account opening, closing, or management",,"I went to XXXX, looking to open up a bank account and was told I could n't do so because there 's fraudulent activity on my banking history. I then contacted chexsystems to see what they were talking about and it says there 's a charge off amount for {$330.00}. I 'd love to know why this is there, and what I can do to remove this from my history. 
",,Consent provided,Web,2015-10-30,Closed with explanation,Yes,No,CR1633338,331
2015-10-30,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-10-30,Closed with non-monetary relief,Yes,No,CR1632424,5701
2015-10-30,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-11-03,Closed with explanation,Yes,Yes,CR1632971,3836
2015-10-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-10-30,Closed with monetary relief,Yes,No,CR1633323,3871
2015-10-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Other,Web,2015-11-02,Closed with monetary relief,Yes,No,CR1633120,1876
2015-10-29,Bank account or service,Checking account,Problems caused by my funds being low,,"On XXXX XXXX, 2015 I called into Eagle National Bank to see why a credit had not been dropped due to processing error by the merchant. I contacted the merchant XXXX XXXX on XXXX XXXX, 2015 to make sure the payment was not processed. I spoke with the resoulitions mananger at XXXX XXXX named XXXX and she made sure the payment was not processed and was immediately refunded to my account. While speaking with Eagle National Bank on XXXX XXXX, 2015 they told me that the payment would drop off in their overnight processing system and any fees associated with the account would be immediately refunded. However as of XXXX XXXX they payment of XXXX has not been dropped of my account and I have incurred over 210 dollars worth of fees because the payment as not dropped due to Eagle National Bank not releasing the funds and steadily charging me outrageous fees. Due to Eagle National Bank not processing the refund accordingly my account is now overdrawn XXXX due to not fault of mine. 
",,Consent provided,Web,2015-10-29,Closed with monetary relief,Yes,No,CR1630518,695
2015-10-29,Credit card,,Credit card protection / Debt protection,,"I deposited {$2000.00} dollars with XXXX on XXXX/XXXX/2015 My account manager never had me fill out a Form DCF ( Document Confirmation Form ) which is part of XXXX Complaince Departments Protocol. My money was never used for trading and on XXXX XXXX was sent to XXXX XXXX 's address in XXXX.. I received a phone call from XXXX a few weeks later from a XXXX XXXX, Senior Supervisor for XXXX. His phone number is XXXX XXXX XXXX XXXX. He told me my money was embezzled by XXXX XXXX and I should Contact my Bank Concerning this issue. My deposit was never used for trading and XXXX never told the Compliance Department about my Deposit. He concealed my money and the money of many of his other Clients taking over {$100000.00} and more. XXXX could not tell me how to get my money back, but did tell me I could dispute this transaction with my Bank. He could not give me more information because a Crime had been committed and this was reported to the XXXX XXXX Police Department. He refused to give me a case number for the Police Report Taken. Since my Money was never used for trading this was a breach in the XXXX contract I signed.. The DCF form was never filled out to show proof of my Deposit and XXXX concealed all of this from XXXX. I am sending you many documents and I hope someone at Eagle National Bank reads them that has a Brain. I received conflicting comments from several customer Care agents in The Eagle National Bank Dispute Department. The last woman I spoke to either did n't know how to read or did n't understand what a Contract was. The woman was XXXX or XXXX from her accent and was unable to answer any of my questions when she had the paperwork right in front of her. It was obvious she had not read the contract written by XXXX XXXX and only focused on the XXXX Contract for risks of losing money. My money was never used for trading and was embezzled by XXXX XXXX. There was a Crime committed and a breach in all of XXXX Contacts. 
",,Consent provided,Web,2015-10-29,Closed with monetary relief,Yes,No,CR1630630,369
2015-10-29,Credit card,,Other,,,,Consent not provided,Web,2015-10-30,Closed with explanation,Yes,Yes,CR1630382,618
2015-10-29,Bank account or service,Checking account,Deposits and withdrawals,,,,Other,Web,2015-10-29,Closed with explanation,Yes,No,CR1631161,3127
2015-10-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-10-30,Closed with monetary relief,Yes,No,CR1631247,3792
2015-10-29,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-10-29,Closed with explanation,Yes,No,CR1630751,1359
2015-10-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I cashed a check through the mobile checking app of my bank, Eagle National Bank, on XXXX XXXX of 2015. This was a check written to me, for the sum of {$300.00}. The app recommended i keep the physical check for up to 30 days before destroying it, so I put the check into my filing cabinet. 

At some point my ex-roommate went into the filing cabinet and stole that check ( along with other things ). Unfortunately, i did not notice the check missing. A month after I moved, on XXXX XXXX, 2015, he cashed the check at his bank. After the check cleared, the person who wrote the check to me, noticed the funds deducted from her account, and mentioned it to me. I explained that I had cashed the check back in XX/XX/XXXX. She found that the check had been actually cashed twice, the second time, fraudulently. She called the bank. They investigated the matter, and decided to take the funds from my account. 

After many calls, explaining the situation, the bank has not put the money back into my bank account, ( and i suppose, not to take it from my ex-roommate, who stole the check ). The person who wrote the check and I, even made a 3-way call with the bank, explaining the situation, yet it did not make a difference in the banks decision. 

I have since started a complaint with the XXXX Police Department, who is regarding this as a criminal investigation, against my ex-roommate. 
",,Consent provided,Web,2015-10-28,Closed with explanation,Yes,No,CR1629200,11267
2015-10-28,Bank account or service,Checking account,"Account opening, closing, or management",,"I have been with Eagle National Bank for months. I had half of my check going into Eagle National Bank for direct deposit and the other half of my check into XXXX. I transferred the funds from my XXXX unto Eagle National Bank. There was a misunderstanding on why the check did n't clear. The check totaled a little over {$700.00}. Saturday XXXX/XXXX/15 I withdrew XXXX I actually saw the check clear on XX/XX/2015.I did n't withdraw anything else because I knew XXXX/XXXX/15 my direct deposit would hit and I would have enough money to pay my rent. I was not notified that the check dint clear. I wasnt notified of anything being wrong at all. Instead of contacting me. Eagle National Bank Maliciously waited for my direct deposit to hit, and CLOSED MY ACCOUNT SAYING NOTHING! When I went to the branch they advised me the check did n't clear. I was confused and said well my direct deposit should have definitely been enough to cover the {$200.00} if there is any issue. They took my money and closed my account and then reported me TO CHECK SYSTEMS. NO EXPLANATION NO NOTHING! I AM UNABLE TO OPEN UP ANY OTHER ACCOUNT! I OWE Eagle National Bank XXXX DOLLARS AND FOR ME TO HAVE TO PUT A HOLD ON MY DIRECT DEPOSIT AND THEM TO REPORT ME TO CHECK SYSTEMS WHEN I OWE THEM NOTHING-IS UNLAWFUL, AND MALICIOUS INTENT 
",,Consent provided,Web,2015-10-28,Closed with explanation,Yes,No,CR1629851,2917
2015-10-28,Bank account or service,Checking account,Deposits and withdrawals,,"On XX/XX/XXXX there were several suspicious debit card transactions charged to XXXX listed on my checking account totaling over XXXX fraudulent transactions. I called Eagle National Bank to try and resolve the issue. The woman who I spoke with initially told me that I would have to transfer funds from my savings account into my checking. I was in disbelief and when I objected, she finally proceeded to give me another option ( which she probably would not have mentioned if I went along with her first suggestion ). 

After a few more calls and speaking with a few other people, I was able to get a claim started wherein I was promised that an investigation would occur to look into the allegedly fraudulent charges. Temporary credits were placed on my account. I received a letter from Eagle National Bank dated XX/XX/XXXX. The letter stated that my account had been credited back for all the fraudulent charges and that "" This credit is permanent and we [ Eagle National Bank ] now consider this claim resolved. '' I was under the impression that there would be nothing else for me to worry about regarding my funds. 

However, on XX/XX/XXXX there were numerous holds on my checking account which eventually cleared as "" Misc Debit Adjustments ''. The amount totaled {$500.00}. I immediately contacted Eagle National Bank customer services to try and understand why this was occurring. I was first told that the holds would clear and I would not have to worry about any funds being deducted. When I called back a few hours later, a different person told me that the holds had been placed by Eagle National Bank and they would not be able to tell me anything more until the transactions had cleared. 

When the transactions cleared, the customer service representative who I spoke with ( a completely different person from the previous 2 calls I placed ) advised me that the Bank was indeed taking the money out. He was very unclear as to why the amount was being subtracted from my checking account, and seemed to be a bit unsure himself of what was happening and why. Throughout this process, I was put on hold numerous times. After a few minutes, I came to understand that XXXX had made their own adjustments ( giving partial credit back to my account ), which resulted in an excess of {$500.00} in my account. 

At this point, I inquired as to why I was never informed beforehand that this amount would be deducted, especially all at once - considering Eagle National Bank is fully aware of all it 's own policies regarding overdraft fees and so on. The man I was speaking with responded by stating that I had already been informed that the deductions would take place. When I told him I had never been notified, he simply stated that I should have been advised of the withdrawal. Had I known this would happen, I would have planned accordingly so that my checking account would not be overdrawn and to ensure that I have sufficient funds to cover the adjustments! The customer service representative continued by stating that he would make a note of my complaint. 

When I asked the Eagle National Bank employee for contact information so that I could submit a complaint myself, I was put on hold for about 1-2 minutes. The man returned to inform me that there was no number I could call and nowhere I could submit a written complaint, but repeated that he would simply make note of my complaint. 

I can not believe that this is the way this company is being run. While I have been a Eagle National Bank customer since XX/XX/XXXX, I highly doubt I will remain. After being advised that an issue had been resolved, only to find that nearly 2 months later, Eagle National Bank wants to take out funds - with no forewarning - I can not say that this is a company with which I would do business. The manner in which this situation was handled by Eagle National Bank is deceiving and unacceptable. 
",,Consent provided,Web,2015-10-28,Closed with explanation,Yes,No,CR1629399,3955
2015-10-28,Credit card,,Identity theft / Fraud / Embezzlement,,"Several of my accounts as well as my information was compromised back a couple of years ago without my knowledge. By the time I realized what was going, the account was sold off to a third party collection agencies so therefore, the damage was already done. I reached out to Target Bank on several occasions trying to get information regarding the account so that I could determine it was truly my debt and all they replied with was that we no longer service this account. Therefore, I requested my credit report and contacted the collection agency XXXX XXXX requesting advising them that I believe this account had fraudulent activities on it prior to it being sold. I also asked them to provide me with copies of all activity including the transaction history so that I could review it. They stated they would provide it but I never heard back from them nor did I receive anything. I even tried reaching out to Target requesting to speak with someone in their fraud/resolution department and all they reply with is that you have the put the request in writing in which I already have but never received a response. 
",,Consent provided,Web,2015-10-28,Closed with explanation,Yes,Yes,CR1628435,591
2015-10-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2015-10-28,Closed with non-monetary relief,Yes,Yes,CR1629668,4862
2015-10-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,Other,Web,2015-11-03,Closed with explanation,Yes,No,CR1628300,1564
2015-10-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-10-28,Closed with explanation,Yes,No,CR1629971,2110
2015-10-27,Bank account or service,Checking account,Deposits and withdrawals,,"I recently had a check I sent to my long distance company stolen along with other check sent to that company according to a company spokesman I talked to.The check was then rewritten and cashed for {$2400.00}. The person used a fake name, no identification nor account number was on the cashed check. No stamping was on the check from a bank. I reported this to Eagle National Bank on XXXX XXXX, 2015 and was told the matter should be resolved in 2 weeks. I started calling XXXX XXXX, and was told a analyst would respond within 24 hours.I still have not been contacted by the bank. In the meantime EN is bombarding me with returned check fees. Again I was told the analyst would call me and take care of it. It is now 22 days since reporting this theft and still no phone call, e-mail or mail response from EN. 
",,Consent provided,Web,2015-10-27,Closed with monetary relief,Yes,No,CR1626552,2555
2015-10-27,Bank account or service,Checking account,Deposits and withdrawals,,"My grandfather bought XXXX XXXX stock in my name when I was very young. I am now XXXX years old and currently in graduate school. We recently decided to pull the money out of the market so that I could pay for school instead of taking out another loan. XXXX XXXX and XXXX XXXX ( I think XXXX XXXX split at some point? ) mailed my grandfather XXXX checks, listing my grandfather as the custodian of the funds and also listing my name on the checks. Under our names, the checks have a line confirming that they are subject to the XXXX Uniform Transfer to Minors Act. He and I have both endorsed all of the checks. I attempted to deposit the first XXXX checks, collectively worth around {$23000.00}, into my checking account at Eagle National Bank, but they were not accepted. I sent them back to my grandfather and he attempted to have them deposited into his account at XXXX, but he was turned away because he did not have a "" custodial account. '' I was told the same thing by Eagle National Bank this morning before it became apparent that the branch manager was not the least bit concerned with actually helping me out. I checked the XXXX Uniform Transfer to Minors Act ( referenced on the check ) and this is correct for him, but not for me. Per 33A-12 ( d ) of the NC UTMA, he has to keep the funds separate from his own property "" in a manner sufficient to identify it clearly as custodial property of the minor. '' ( i.e why XXXX is requiring him to separate the funds from his own money. ) With respect to me, however, according to 33A-20 of the NC UTMA, "" the custodian shall transfer in an appropriate manner the custodial property to the minor or to the minor 's estate upon the earlier of ( 1 ) The minor 's attainment of XXXX years of age with respect to custodial property transferred under XXXX. XXXX or XXXX ... ; ( 2 ) The minor 's attainment of age XXXX with respect to custodial property transferred under XXXX. XXXX or XXXX ; or ( 3 ) the minor 's death. '' Since I am writing this to you now, I think it 's safe to say that ( 3 ) is n't an issue. Regarding ( 1 ) and ( 2 ), again, I am XXXX years old, so I am eligible to receive the property from the custodian. Further, my grandfather has terminated the custodianship and effected the transfer of this property to me by endorsing all XXXX checks with his signature. Therefore, Eagle National Bank is incorrect in requiring me to open a custodial account to deposit these funds because the custodianship has ended and I have full legal ownership over this property according to the provisions of the XXXX UTMA that I cited above. I 'd also like to mention with my remaining space that Eagle National Bank has treated me horribly throughout this process. I respectfully asked relevant and specific questions to multiple EN officials, yet not a single one of them attempted to actually help a brother out. I 've worked in multiple customer service jobs over the years and it has been apparent to me throughout this situation that EN has been more concerned with getting me off the phone or out of the branch than actually finding solutions. This situation could have been solved weeks ago if someone had simply picked up the phone and asked EN 's legal team to take a look at this situation. I finally see what everyone 's been telling me all of these years : Money, and not the customer, is Eagle National Bank 's central concern. I think it 's safe to say that after this matter is resolved, I will be taking my business elsewhere. 
",,Consent provided,Web,2015-10-27,Closed with explanation,Yes,No,CR1626293,1611
2015-10-27,Bank account or service,Checking account,"Account opening, closing, or management",,"never opened an account which was indicated on report. 
",,Consent provided,Web,2015-10-27,Closed with explanation,Yes,No,CR1626243,4031
2015-10-27,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX XXXX, 2015, my wife attempted to deposit {$1800.00} cash, XXXX XXXX XXXX dollar bills, XXXX XXXX, XXXX XXXX, and XXXX dollar, into my Eagle National Bank checking account by using my debit card at the ATM machine located inside of the bank. The ATM machine malfunctioned and only credited {$300.00} of my attempted deposit. The receipt stated "" Sorry, some of your items could not be processed or returned. Please contact your financial institution. '' I contacted the electronics claim department of my financial institution to place a claim. XXXX separate claims were made. claim number : XXXX represents the {$1500.00}. There was a temporary credit to my bank account of {$1500.00}. This credit was reversed on XXXX XXXX, 2015 because they did not locate any additional cash for this transaction thus closing closing this dispute. They also credited on XXXX XXXX, 2015 the {$31.00} from claim number : XXXX and determined that this claim was resolved and the current status was claim paid. I am disputing the final decision on claim number : XXXX and ask for your office to further investigate what happened to my deposit. I am attempting to forward to you the documentation the bank provided. 
",Older American,Consent provided,Web,2015-10-27,Closed with monetary relief,Yes,Yes,CR1627290,1026
2015-10-27,Credit card,,Rewards,,"I believe EN and its XXXX Rewards partners have worked together to engage in conduct that can be best characterized as an unfair and deceptive "" bait and switch '' scheme that could impact thousands of consumers, not to mention breaching its cardholder agreements. I suspect this deceptive and unfair practice has impacted other consumers, but the time, trouble and cost of fighting EN is typically not worth it relative to the value of the reward points redemptions. The details are as follows : We have a EN Signature Visa rewards card. Under the cardholder agreement, there are "" no blackouts '' on using reward points to acquire any plane tickets available from airlines. That is why we have used that card for years to purchase virtually everything. When we finally tried to redeem our points for a round trip ticket for a once-in-a-lifetime-trip to XXXX, EN unilaterally increased the price of the airline ticket we wanted beyond the quoted price was available from the airline, making it impossible for us to acquire the ticket with the points we had worked so hard to accumulate. 
To redeem our points, we needed only call the EN Signature Visa travel department ( I will call them a "" travel agent '' for easy reference ) and book any flight we wanted as long as we had enough points. Here, we had accumulated over XXXX points which entitled us to book any round trip flight to XXXX, so long as the ticket cost less than {$5000.00}. The XXXX flight we found from XXXX to XXXX, XXXX was available ( with a connection through XXXX ), and cost well under the {$5000.00} dollar limit. We purchased XXXX such ticket and paid for it ourselves ( so we know it was available ), but when we next tried to use the EN Visa Signature points to pay for the XXXX ticket, we were told that EN 's appointed "" travel agent '' could n't "" find the flight '' on their system. Troublingly, they could see the XXXX to XXXX flight on the internet. Worse, EN 's travel agent admitted they could have booked our desired flight using their internal system ( so it was "" available '' ), but only as XXXX separated flights : XXXX from XXXX to XXXX as a "" US to XXXX '' flight, plus another "" inter-XXXX '' flight from XXXX to XXXX ( the problem is that those separated legs of that flight required over over XXXX points ). At the minimum, that practice "" baits '' consumers to use the card to thinking points good for any airline flight available in the market, but then "" switching '' to artificial restrictions and pricing upon redemption. That was not disclosed and is deceptive, at best. 
Nothing in any any of the literature I have governing our Signature Visa Points card that says that our right to book tickets is restricted based on some arbitrary availability imposed by EN 's chosen travel coordination agency. Even after I have asked several representatives at EN to send me the provision ( s ) of the cardholder agreement they believe impose this limitation, I have received nothing specific ( b/c it does n't exist, I bet ). 
In theory, EN travel agency 's system could ( as here ) arbitrarily "" not find '' any number of otherwise available flights, or ( again, as here ) can arbitrarily "" break up '' otherwise seamless flights into their constituent legs in order to force consumers to use more points that should be required. None of that was never disclosed to us, and seems like a form of price fixing. I am not in privity with whatever vendor EN has elected to use as its "" booking agent '' for this points program, so I do n't know what they can and can not do. 
In addition to dozens of hours spent on the phone with EN to ensure we could get our second seat on the flight to XXXX, we ultimately had to come out of pocket for our ticket. I demanded that EN reimburse me for that expense offered to simultaneously tender XXXX of my points to EN in return. They refused. 
",,Consent provided,Web,2015-10-27,Closed with explanation,Yes,Yes,CR1626377,1066
2015-10-27,Credit card,,Convenience checks,,"I had XXXX balance transfers, both with a 0 % promotional balance on my Eagle National Bank : XXXX XXXX XXXX credit card. 
0 % balance transfer 1 - Transaction date : XXXX/XXXX/XXXX for {$2000.00} with a 3 % fee. Promotion expired XXXX/XXXX/XXXX. 
0 % balance transfer 2 - Transaction date : XXXX/XXXX/XXXX for {$1400.00} with a 3 % fee. Promotion expires XXXX/XXXX/XXXX. 
I had made minimum monthly payments to this card. On XXXX/XXXX/XXXX I made a full payment for the {$2000.00} balance + 3 % fee ( {$60.00} ). As of my account statement ending on XXXX/XXXX/XXXX, instead of continuing my 0 % balance transfer ending on XXXX/XXXX/XXXX, I was charged an interest on {$950.00} of "" outstanding balance. '' Eagle National Bank refuses to refund the interest and states that all principal must be made to avoid further interest costs - they are blaming me for not paying the full amount even though the balance transfer promotion does not end until XXXX/XXXX/XXXX. I called in multiple times before the promotion expiring to ensure I would not be charged the interest cost. I 've attached my account statements and a document I requested from EN in regards to how payments will be allocated to my Eagle National Bank : XXXX credit card. 
Thank you, XXXX 
",,Consent provided,Web,2015-10-27,Closed with explanation,Yes,Yes,CR1627048,1770
2015-10-27,Credit card,,Identity theft / Fraud / Embezzlement,,"I recently had my accountant go through my past statements, and we came upon XXXX charges that did not ring a bell. We could find no record of my having ever dealt with either company and upon a cursory investigation found that they were XXXX timeshare resale companies located XXXX. Because I had never heard of, or done business with these companies I filed a fraud claim with XXXX @ XXXX where I spoke with XXXX in the fraud dept. The companies in question were XXXX XXXX and XXXX XXXX going by the name of XXXX. The first charge was for XXXX on XXXX and the second was for XXXX on XXXX I explained that I did not know who these companies were, and did not make the charges in question. XXXX cancelled my existing card because they said it was being noted as a fraudulent charge and credited the charges back to my account on XXXX Today XXXX I received a phone message from XXXX stating that after looking at my statements they noticed some charges I had made while we were vacationing in Florida around the time of the first charge so they were assuming that I had made the charge and were making me responsible for XXXX charges. This is the most ridiculous thing I have ever heard, it is like saying I was in XXXX vacationing on XXXX so I therefore must be connected to the terrorists. I did not receive anything in writing from XXXX yet, only this vague and ridiculous message. If XXXX wants to investigate something why not investigate the fraudulent companies who charged my card without permission and I am sure did the same thing to others, this is the first complaint thatm XXXX has received regarding these companies? Highly unlikely! I will be calling back into Visa with my Attorney on the line with me this week, I just want the CFPB to know how XXXX is shirking its responsibility to consumers regarding the Federal Fair Credit and Billing Act. Because I was in a geographic area where these companies may or may not have been located, I am not going to accept XXXX 's word on that fact, my card company is going to try and make me responsible for charges that I never authorized or took part in? Absolutely unbelievable behavior, I am sure once this matter is settled in my favor I will never be a customer of XXXX ever again. Perhaps my information was stolen or compromised while we were on vacation, I do not know, but for XXXX to try and make me the bad guy is unconscionable. Someone at XXXX is either lazy or incompetent or both to make such a broad assumption with zero facts to support that position. 
","Older American, Servicemember",Consent provided,Web,2015-10-27,Closed with explanation,Yes,No,CR1627449,3890
2015-10-27,Credit card,,APR or interest rate,,"Opened a credit card account with Eagle National Bank and charged using a 0 % APR promotional rate. According to BAC that rate ended on XXXX/XXXX/2015. On XXXX/XXXX/15 BAC sent me a statement that indicated a balance of {$6500.00} ( I have no idea where that XXXX came from ) with NO indication that any interest would be charged to the account, no indication ( as they NOW tell me ) that I need to call them for a payoff amount. I immediately sent them a check to cover the ENTIRE balance ( {$6500.00} ) which they credited to the account XXXX/XXXX/2015. To me that should have paid the entire account in FULL. The next month I get a statement from BAC claiming that I now owe them {$25.00} in interest on the account. I feel that is VERY DECEPTIVE ; consumers should have an expectation that paying off an account IN FULL well before the due date ( indeed, only 8 days past the statement date ) that there should be NO huge interest fee charged unless there 's some indication on the statement that this will occur. This is a very deceptive practice and I 'm sure I 'm not the only one who has been scammed by this. 
",Older American,Consent provided,Web,2015-10-27,Closed with explanation,Yes,Yes,CR1627551,1140
2015-10-27,Credit card,,Billing disputes,,"XXXX wrongly charged house fee via BankXXXX. I filed the dispute to Eagle National Bank credit card. While they were investigating this dispute, XXXX XXXX XXXX refunded to BankXXXX. I passed the refund transaction record to Eagle National Bank. But they still charge me. They told me they did not receive this refund without any further investigation. 
",,Consent provided,Web,2015-10-27,Closed with explanation,Yes,Yes,CR1626672,9231
2015-10-27,Bank account or service,Checking account,"Account opening, closing, or management",,"I opted out of overdraft charges for my account, so if it does not have enough money, decline any transaction. Much to my surprise they are telling me that their fee is exempted, so the bank disregarded my request and sent my bank negative by {$5.00} for their bank fee, then they sent the account further negative by {$20.00} because they said the account is negative for 10 days. They could make it very clear and point out that their fees are exempt and if not cleared up in 10 days, that you will be charged 3600 % per anum. I asked for the account to be closed down if this can not be corrected and they told me they can not until my account is negative for 80 more days and accessed {$160.00} more fro a total of {$180.00} in overdreaft fees, then they will chrge it off, close it down and send me to a collection agency. This is deceptive, unconcionable and needs to be corrected immediately. 
If you can not remove the overdraft fee fro charges I opted out of, then plase close down by accounts as of today, XX/XX/2015Sincerely, XXXX XXXX 
",,Consent provided,Web,2015-10-27,Closed with explanation,Yes,No,CR1627334,3210
2015-10-27,Bank account or service,Checking account,"Account opening, closing, or management",,"This complaint is in reference to my account at Eagle National BankRouting Number : XXXXAccount Number : XXXX opened a EN Convenience Checking account on XXXX XXXX 2015 with a deposit of {$100.00}. 
One of the requirements for this account is to maintain a balance of {$100.00}. 
I have never made a withdrawal from this account. 
Due to a bank error with their website/back-end I was unable to sign up for online banking online. This forced me to go into the branch to get online banking setup. By this time the first statement had closed and I was charged a {$1.00} "" Paper Statement Fee '' on XXXX/XXXX/2015 which caused my balance to drop to {$99.00}. 

EN recognized this error and refunded the {$1.00} within on XXXX/XXXX/2015. 
The problem is, however, that this caused my average daily balance for the statement cycle to be below {$100.00}. This caused their system to charge a {$15.00} maintenance fee in the next statement on XXXX/XXXX/2015. 

EN again recognized this error and refunded the fee on XXXX/XXXX/2015, however, again the "" average '' daily balance was again below {$100.00}, and thus generated a {$15.00} maintenance fee in the next statement on XXXX/XXXX/2015. 

Again EN refunded the fee on XXXX/XXXX/2015. To stop this cycle they had created. I added an additional {$100.00} on XXXX/XXXX/2015 to make sure the average balance could not go below {$100.00}, but they charged the fee again on XXXX/XXXX/2015. 

This time they are refusing to refund the latest {$15.00} Fee even though this whole ordeal was originally caused by an error on their website. 
",,Consent provided,Web,2015-10-27,Closed with monetary relief,Yes,No,CR1626429,3207
2015-10-27,Credit card,,Balance transfer,,,,Consent not provided,Web,2015-10-27,Closed with monetary relief,Yes,No,CR1626315,3084
2015-10-27,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-10-27,Closed with explanation,Yes,No,CR1626323,2961
2015-10-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-10-27,Closed with explanation,Yes,No,CR1627785,1939
2015-10-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank is changing the account 'type ' that I originally signed up for and the resulting fees are significant. With little notice, BofA is requiring a balance of {$2500.00} for me to maintain my account 'level ' which came with essentially free access to the bank and free checks. Now they intend charge {$25.00} each month for me to maintain that account at BofA. Also, the line of credit linked to my account will assess a fee of {$10.00} per transfer. This was previously free. These new fees are unacceptable and I do not think it is fair or legal for them to force me to downgrade my account and limit my access to the bank and my money. 
By analogy, this is like buying a new car from XXXX with power windows a few years ago and then hearing from them today that they want to remove the power windows 'benefit ' from my car. If not, they will charge me {$10.00} or {$25.00} each time I want to use the power windows unless I buy a new 'plan ' for {$2500.00}. 
By comparison, the other banks ( and credit unions ) I have funds with are not charging fees for this access to my money nor requiring minimum balances or 'direct deposits ' so I question the legality of the new requirements and fee structures. At a minimum it is poor customer relations not good business. 
My attempts to resolve this with BofA have been rather time consuming and somewhat fruitless. 
",,Consent provided,Web,2015-10-26,Closed with monetary relief,Yes,Yes,CR1623850,5050
2015-10-26,Bank account or service,Checking account,Deposits and withdrawals,,"I spoke with XXXX XXXX form Bank America on XX/XX/2015 at XXXX XXXX. I informed her I was being represented by an attorney, and she needed to speak with my attorney. She continued to assert information when I again directed her to speak with my counsel. She asked me if I received a letter from the Bank, and I told her no letter was received to date on this account. It has been over 5 Working Days. I am requested harassing phone call stop since I am being represented by an Attorney and all communication be in writing to verify accuracy of information received or communication with counsel. The Attorney of Record is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXXTel : XXXXFax : XXXX 
",,Consent provided,Web,2015-10-26,Closed with explanation,Yes,No,CR1623739,1997
2015-10-26,Bank account or service,Checking account,Problems caused by my funds being low,,"I was charged {$35.00} for XXXX overdraft fee 's for charges less {$10.00}. I am going though financial medical hardship. 
",,Consent provided,Web,2015-10-26,Closed with monetary relief,Yes,No,CR1624579,611
2015-10-26,Bank account or service,Checking account,"Account opening, closing, or management",,"My account was involved with fraudulent activity.Now I am $ XXXX dollars in debt with Eagle National Bank XXXX 
",,Consent provided,Web,2015-10-26,Closed with explanation,Yes,Yes,CR1624075,2631
2015-10-26,Bank account or service,Checking account,Deposits and withdrawals,,"On XX/XX/XXXX at XXXX XXXX I met with Assistant Operations Manager of Eagle National Bank ; XXXX XXXX ; Officer, Financial Center Operations Manager, XXXX XXXX XXXX ; Eagle National Bank XXXX The XXXX, XXXX XXXX, XXXX XXXX informed XXXX XXXX that my personal account XXXX has been levyed. I informed her that at Deposit was made directly into this account form XXXX XXXX County Workman 's Compensation Fund in the amount of XXXX on XXXX XXXX and that the monies were frozen since XXXX XXXX, 2015. I showed her a copy of the deposited amount and she verified it on the account. I also informed her I was being represented by Attorney XXXX XXXX, XXXX of XXXX XXXX XXXX at Telephone XXXX and XXXX and XXXX XXXX at XXXX as Co-Counsel. I informed XXXX that I have not received any notice from the bank that a garnishment order was received, the date the order was received, a brief explanation of the garnishment, an explanation of the bank 's responsibility to protect federal benefit payments direct deposited during the look-back period and keep them accessible to the account owner, the requirement that the bank identify any protected deposits during the review, and an explanation of how I can assert other exemptions in the garnishment action to try to protect any funds that the bank must freeze and provide the written name of the creditor who obtained the garnishment order and contact information. I also informed XXXX XXXX that XXXX State Law EIPA protects financially struggling families from losing all their money. In accordance to XXXX State Law, the Bank must allow you access to at least {$1900.00} - {$2600.00}. Assistant Operations Manager XXXX XXXX said she would forward this information to the Eagle National Bank Legal Department. 
",,Consent provided,Web,2015-10-26,Closed with explanation,Yes,No,CR1623884,3180
2015-10-26,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX, at XXXX, I spoke with XXXX XXXX of A Eagle National Bank. I informed him that on XXXX my bank XXXX, which a State XXXX Check for California Workman 's Compensation in the amount of {$2100.00} was the subject of a Levy in New York. The Bank Account and local branch are in California. The Levy is {$1100.00}, drawing from the State of California Social Security Funds. In the Court of Appeal of the State of California ; XXXX XXXX XXXX XXXX ( XXXX XXXX County XXXX. XXXX No XXXX ) In Accordance with XXXX XXXX XXXX XXXX Bank XXXX. This action by Eagle National Bank includes causes of action for intentional and negligent misrepresentation, intentional infliction of emotional distress, unlawful levy against Social Security benefit payments ( Code Civ. 704.080 ), the violation of the Consumer Legal Remedies Act ( CLRA ) ( Civ. Code, 1750 et seq. ) the Unfair Competition Law ( UCL ) ( Bus. & Prof. Code, 17200 et seq. ) and the False Advertising Act ( FAA ) ( Bus. & Prof. Code, 17500 et seq. ) The misrepresentation-based claims are based on XXXX alleged misrepresentations by the Bank : ( 1 ) that funds directly deposited California Workman 's Compensation Check would be safe, secure and instantly available to account holders ; and ( 2 ) that the Bank had the right to use XXXX benefits to cover overdrafts and insufficient ( NSF ) charges. The Bank Representative or Eagle National Bank has refused to return any of these funds since the Levy on XXXX or provide any exemption forms to myself. Calls were made on at least XXXX prior times requesting the compliance of State and Federal Law. According to the Bank Representative XXXX this will take 5-7 working days to investigate this claim. 
",,Consent provided,Web,2015-10-26,Closed with explanation,Yes,No,CR1623883,3826
2015-10-26,Credit card,,Other,,"I have a credit card with Eagle National Bank for more than five years ago, when I started to use the card, my minimum payment was approximately {$80.00} now, every time that I used the credit card, the rate increased, and the minimum payment too. 
In the month of XXXX, my mother-in-law died, days before payment due, and I was late in the payment just for 4 days, but anyway I made a payment for {$320.00}. 
now I get the receipt with a minimum payment of {$460.00}. 
For me this payment is extremely difficult to meet, I think the Bank is violating the laws to increase minimum payments and interest without informing the customer. 
Could you please intervene to adjust the monthly payment to me as I had at first time 
",,Consent provided,Web,2015-10-28,Closed with explanation,Yes,Yes,CR1623996,2377
2015-10-26,Credit card,,Other fee,,"In XX/XX/XXXX I was approached in XXXX XXXX while waiting to ENrd a XXXX Airlines flight and asked if I would like to earn free XXXX flights by signing up for a credit card. I asked if the credit card had an annual fee ant the sales person said there was no annual fee and there would be no annual fee. On that basis, I applied for a XXXX branded credit card issued by Eagle National Bank by giving the salesperson which he entered into a tablet. Over the course of the next year, I accumulated over XXXX points ( miles ) which could be used to reduce the cost of airfare with XXXX Airlines. In XX/XX/XXXX, I received a letter from BoF thanking me for being a customer and informing me that a {$59.00} annual fee would appear on my XXXX credit card bill. I immediately called Eagle National Bank and they informed me the charge was XXXX Airlines responsibility. Tey even gave me the phone number and phone tree sequence of number to reach XXXX. Upon calling XXXX, I was informed the charge was not theirs, but would be generated by BoF. Whin I called BoF again, they acknowledged the charge was an annual fee for that particular credit card. They refused to waive the fee and reminded me I would lose all benefits if I cancelled the card. Having been backed into a corner, it appears the correct economic decision is to bite the bullet, pay the annual fee, and use the miles as quickly as possible before cancelling the BoF credit card. 
",,Consent provided,Web,2015-10-26,Closed with monetary relief,Yes,No,CR1625276,314
2015-10-26,Credit card,,Delinquent account,,"On my credit report, I fail into delinquent standings with Eagle National Bank credit card that I had 10 years ago. I was XXXX years old at the time and I was in a hardship. I was unable to recover from losing my job XX/XX/XXXX. I believe that this account has reflected negatively on credit. I know the account has been charge off as of XX/XX/XXXX. This account has been charged off. It is now XX/XX/XXXX, I have a Eagle National Bank cards which I do business with. 
",,Consent provided,Web,2015-10-26,Closed with non-monetary relief,Yes,No,CR1623749,3444
2015-10-26,Bank account or service,Checking account,Problems caused by my funds being low,,"I have been charged over {$600.00} in overdraft fees the past few months because of the way Eagle National Bank illegally reorders transactions to their benefit. 
",,Consent provided,Web,2015-10-26,Closed with explanation,Yes,Yes,CR1624723,2087
2015-10-26,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"the amount of XXXX is owe to me by XXXX XXXX XXXX and I received a beived a personal check and it had insufficient funds. account was open by a person I did not do business with and it had the contractor signature on check. Need to expose this person he does not scam anyone else. 
",Servicemember,Consent provided,Web,2015-10-26,Closed with explanation,Yes,No,CR1624486,4688
2015-10-26,Credit card,,Credit card protection / Debt protection,,,Older American,Consent not provided,Web,2015-10-29,Closed with monetary relief,Yes,No,CR1624620,4635
2015-10-26,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-10-26,Closed with explanation,Yes,Yes,CR1625617,2676
2015-10-25,Credit card,,Late fee,,"I am writing this complaint because I was mortified and humiliated when my credit card was refused at a store that I have done business with for more than 25 years. I live in a small town and the store was very busy around XXXX on Friday and I was incredulous that my card would be rejected for a purchase under {$25.00}. 

I have had my XXXX from Eagle National Bank for four years and have always been prompt in payment. I have a {$2000.00} line of credit and never even approach that limit. I write my check within 2-3 days of receiving the bill and it is mailed from my husband 's law office at that time. 

Upon calling XXXX I learned that my previous check had not been received, and therefore not credited to my account and that even though I still had approximately {$250.00} available on my line of credit, the card had been shut down without any notification to me. Apparently Eagle National Bank shuts down accounts that are two months delinquent without notification. It is hard to see how this account was two months delinquent as I had not received the second bill ( ie the bill for the next month 's cycle ). Ironically, when I dialed the Eagle National Bank Consumer Line, the first thing I heard after learning that my payment was late, was that I had {$220.00} left on my line of credit. ( The {$220.00} reflected the interest and late fee that had been tacked onto my bill, thus reducing my line of credit by more than {$40.00}. ) I spoke to several different customer service reps to try and unravel this. My first concern was that there might have been some fraudulent use of the card and asked the rep to go over the recent transactions He would only review the most recent XXXX, and when he got to number XXXX it was an interest charge from Eagle National Bank for my outstanding balance. I asked for the rest of the month 's transactions and he said there were XXXX, he could not do it. I said there were only about XXXX-XXXX and I needed to know why my statement was supposedly delinquent. Reluctantly he went through them after saying he did not know where to begin ; I suggested where the last statement left off. 

My next call was to a supervisor as I was upset over the interest charge of {$16.00} and wanted to write a new check covering both bills, but did not think the interest charge was fair. After much discussion he agreed to drop the interest charge and I wrote the check, planning to mail it first thing Saturday morning so that the hold on my card could be lifted quickly. 

At the post office I found my new statement in my mail box and was stunned to find that the total I had been told I owed included a late fee of {$25.00}. When I called yet another supervisor on Saturday morning I was stonewalled with reiterations of Eagle National Bank 's policies to charge both a late fee and interest and to shut down a card after two months delinquency. They felt the fact that one supervisor had waived the interest in no way suggested that the late fee should also be waived. They also stated that the two month delinquency was appropriate although I had not received a second statement nor was the second month 's cycle complete. As far as my humiliation in a small town was concerned, it was irrelevant. They also did not see that I was denied access to my line of credit as clearly their policy was a correct one. 

In summary : I find it highly inappropriate that Eagle National Bank could summarily shut off my line of credit without notifying me that they were doing so and why. There was no reason for me to think that the bill had not been paid and because my checking account statement with my local bank is on a different calendar cycle, I had no way of knowing that the check had not cleared. The {$25.00} Late Fee is of much less importance than the loss of my line of credit and the harm done locally to my good name. 
",Older American,Consent provided,Web,2015-10-25,Closed with monetary relief,Yes,No,CR1623682,4767
2015-10-24,Bank account or service,Checking account,Deposits and withdrawals,,"In late XXXX, I travelled to XXXX to attend a conference and speak to college students about XXXX. In so doing, I left my debit card at the hotel for their file. Upon leaving -- a week later -- the hotel charged the wrong card ( mine ), as opposed to the university card. The charges appeared on the XXXX and were put in process to be reversed the same day. I requested a receipt on the XXXX, which will be attached. The hotel charge was fully refunded by the XXXX. I contacted Eagle National Bank to make sure I would not receive overdraft fees on the XXXX. They were to make a note of it. Instead, I received XXXX overdraft fees on the XXXX -- stemming from the original charge and subsequent fees -- totally {$100.00}. I just got off the phone with them and, after going through other personal account business, they told me they could not deal with the overdrafts because they could no longer confirm my identity. I then repeated my name, as appearing on the website, and the teller in deposits XXXX, apologized and placed me on hold. He said there was no record of the overdrafts, and I expressed concern that he could see hte record I was seeing via my statement ( attached ). He then said I my name was incorrect and I could not be helped via phone. Apparently it does n't match the name on their file -- however, this was not the case a week ago, and my information on the online banking matches exactly what my name is, and how I said it, and how it appears on my card. It seems that they were able to handle all questions and business about my account except my fee reversal request. They are now telling me to go into a floor office to confirm my identity in their files and handle the overdraft. However, these offices do not handle overdraft fees. 
",,Consent provided,Web,2015-10-24,Closed with explanation,Yes,No,CR1623114,2308
2015-10-24,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX I Contacted a rep on Eagle National Bankn regarding a hold on XXXX bank accounts I have with Eagle National Bank. I and my attorney, XXXX XXXX of XXXX XXXX XXXX requested a copy of the Levy, but the Legal Department Representative would not give us a name, phone number of any documentation verifying the validity of this Levy. I told the company Rep that the Personal Bank Account they levied is a bank account that deposited XXXX Income for myself, and the Levy was listed against my XXXX business. The bank Rep refused to let me speak to the Legal Department. I spoke the Rep and stated that this was XXXX XXXX protected form a LEVY. Eagle National Bank is also charging my overdraft fees on this account. 
",,Consent provided,Web,2015-10-24,Closed with explanation,Yes,No,CR1623155,4441
2015-10-24,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX I went into my local XXXX Eagle National Bank Branch because of a Levy on my account. I was given a phone number to call. I contacted the Rep at the bank who would not provide anything but a phone number to call and a reference number. The Levy was initiated in New York against my business. The Legal Department would not communicate with me or my Attorney, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. I specifically inserted compliance with the Rep. XXXX XXXX XXXX of XXXX Law in New York. The bank refused me access to {$2600.00} and began charging insufficient bank charges. The Bank allowed Levy of a personal account that is for my husbands Workman 's Comp, XXXX XXXX Check in the amount of XXXX, as well as the personal account had less then XXXX in it at the time. This is above the legal limit to freeze and account in the State of New York. 
All bank charges, including XXXX on {$100.00} Legal Order and charges for returned checks have not been returned. As of XXXX XXXX, I have not received any writtten documentation from the bank or the exempt form required by law, neither has my attorney received these documents. I have also referred this to the New York State Banking Department. 
",,Consent provided,Web,2015-10-24,Closed with explanation,Yes,No,CR1623078,3080
2015-10-24,Credit card,,Billing disputes,,"My Eagle National Bank credit card is paid in full but they are still showing a blance. 
",,Consent provided,Web,2015-10-24,Closed with explanation,Yes,No,CR1623407,414
2015-10-24,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-10-24,Closed with explanation,Yes,Yes,CR1623461,4286
2015-10-23,Bank account or service,Checking account,Problems caused by my funds being low,,"My wife and I had an overdraft yesterday ( Thursday XX/XX/XXXX ) on a {$30.00} charge which reduced our checking account at Eagle National Bank to - {$10.00}. Money is tight, and because we knew that our paychecks were going in today ( Friday ) my wife deposited {$11.00} to bring the balance ( just barely ) above XXXX. Apparently, after her deposit yesterday afternoon, Eagle National Bank put a check we had written for {$84.00} through and then charged us for XXXX overdrafts ( {$35.00} each ) but claiming on the iPhone app this morning that the {$84.00} check went through first so they could charge us for both ( versus sending the {$84.00} after we had made the deposit bringing the balance over XXXX ). The {$84.00} check had not been processed at the time my wife made the deposit, otherwise {$11.00} could not have raised the balance above XXXX. 
",,Consent provided,Web,2015-10-23,Closed with monetary relief,Yes,No,CR1622190,2227
2015-10-23,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX, 2015 we did $ XXXX in sales with our XXXX XXXX. I have a business account with Eagle National Bank and also use there merchant services that I pay monthly for. The funds were never deposited because they stated customers may have been using fraudulent information and they needed to hold the money in case of chargebacks. They also requested that we send over invoice showing what these customers purchased. We provided them with invoices showing that customers have purchased advertising packages from us. They then stated that it was n't good enough and still need to hold funds in case of chargebacks. We have gotten chargebacks that have not been covered as promised. This also caused additional income in my account to be taken and put me in negative which they are charging overdraft fees as well. We have attempted to get in contact with our Security representative through XXXX Merchant services at Eagle National Bank assigned named XXXX ( XXXX ) XXXX ( XXXXXXXXXXXX ). When you call her it goes to her voicemail and sometimes she picks up and hangs up. Any time I call Eagle National Bank they transfer me to the security department but then I 'm directed to her desk again and again. I 've left numerous voicemails with no response and now they are causing my business to suffer and not be able to operate on daily basis. Relationship with their merchant services was canceled and Eagle National Bank is still not holding their end of the agreement to cover chargebacks based on funds on hold. 
",,Consent provided,Web,2015-10-23,Closed with non-monetary relief,Yes,No,CR1622189,3590
2015-10-23,Bank account or service,Checking account,Deposits and withdrawals,,"Our lease ended on XX/XX/XXXX and we inquired about extending ot for up to 3 months but had n't yet sent back the argreement. Just in case we did extend, we scheduled a bill pay to go out on XX/XX/XXXX to SEToyota even though no further payments were due. 
On XX/XX/XXXX, we sold the car to a XXXX dealer and bought another one. XX/XX/XXXX we contacted EN to stop the outgoing payment They advised us that although it could not be stopped, we should leave the account negative until it declined twice then it would stop. 
On XX/XX/XXXX, a transaction was processed showing as a bill pay to XXXX for {$350.00}. I went into the bank to ask how this happened and was told by the bank manager that XXXX used the information from the declined bill pay to force the transaction through as a collection. There was no collection. This transaction occurred in the amount of {$350.00} and cleared with only {$160.00} in the account without authorization. 
",,Consent provided,Web,2015-10-23,Closed with explanation,Yes,No,CR1622059,3326
2015-10-23,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"This is a growing problem with electronic bill payment through banks and credit card companies. In the past, the representation was/is that an electronic payment started on a particular day would reach and be credited by the payee the next day. The electronic process is quick ; that it might take a day arises from the fact that payer must send, then payee must examine the "" package '', i.e. XXXX separate electronic processes : sending is completed the day of sending, examination of package by payee is done the same day or the next day. Thus, sending should be complete on the day of payment, crediting should be done either that same day if payee is entitled to use the funds that day or by the next day if entitled to use them the next day. There is no reason for further delay, and banks accepting electronic payments must do so promptly. Recently, I have been charged late fees and interest by Eagle National Bank and XXXX credit cards when evidence likely shows the sending was electronically done well before the due date, i.e. these credit card companies insist on crediting the day after so their computers can charge hefty late fees and interest. Meanwhile, the sending bank ( XXXX bill payment ) is now changing, without warning, its description of electronic bill payment to the effect that electronic payment will take 2 business days beyond the day of sending ( i.e. not counting the day of electronic sending ). This is not only unreasonable but collusion with other banks delaying crediting to charge late fees and interest. It is unreasonable because : Question & gt ; What is the sending bank doing on the day of sending electronically [ Note, these are recurring monthly payments, so the bank knows weeks in advance when to start ] if not sending an electronic package which arrives somewhere the same day? It should not take 2 extra business days for the receiving bank to examine the electronic package electronically. The one extra day allowed in the past is more than enough, and receiving banks should credit payment either the day of actual electronic receipt or actual availability of electronic funds which is the same day anyway [ just like a check is supposed to have sufficient funds when issued, an electronic payment should have sufficient funds also ]. The problems arose with electronic payments scheduled for a Friday with a credit card due date of Monday, with receiving bank ( Eagle National Bank and XXXX credit cards ) crediting payment and charging late fee and interest on Tuesday. When informed of this development, XXXX now changes its representation that it would not be liable until 2 business days after, i.e. not counting the day of sending, this is collusion with the receiving banks. An electronic transaction started on Friday should not take til Tuesday. A receiving bank knows THE SUM TOTAL of the package on Friday and can use those funds on Friday even before it distributes fund into each separate account. There is no reason why it should not credit the separate accounts by Monday, even retroactively if necessary. Whereas XXXX was previously willing to inform the receiving banks that the electronic payment was started on Friday, now it says it has no duty to help for any due date until ( i.e. falling before ) Wednesday. 
",,Consent provided,Web,2015-10-28,Closed with monetary relief,Yes,Yes,CR1621067,1630
2015-10-23,Credit card,,Billing statement,,"Eagle National Bank fails to provide promotional balances in the promotional interest rate section of the billing statement. 
",,Consent provided,Web,2015-10-23,Closed with explanation,Yes,No,CR1621049,3192
2015-10-23,Credit card,,Credit card protection / Debt protection,,"Eagle National Bank has an option on their Automatic Payment web page that says in essence "" if my bill is over {$1000.00} - do n't pay it. '' So you think you are setting up an automatic payment, when in reality you are actually telling the site to automatically not pay your bill. Then, when your bill is not paid, Eagle National Bank charges you a {$25.00} late fee. This seems like a deceptive business practice designed to trick people into missing payments in order to generate income for Eagle National Bank. 
",,Consent provided,Web,2015-10-23,Closed with monetary relief,Yes,No,CR1621684,2025
2015-10-23,Credit card,,Other,,"Hello, I received 2 collection calls and 2 past due emails from Eagle National Bank. Collection calls! I 'll admit that we have n't been the timeliest this year, but we did bring the account current on XXXX XXXX, 2015. The XX/XX/XXXX statement shows New Balance Total XXXX $ XXXXTotal Minimum Payment Due XXXX .XXXXPayment Due Date XXXX XX/XX/2015We paid {$310.00} on XXXX/XXXX/15, which should have brought our account to XXXX min. balance due by XXXX/XXXX/15. Now the statement showing the XX/XX/XXXX amount due as this : New Balance Total XXXX $ XXXXTotal Minimum Payment Due XXXX .XXXXPayment Due Date XXXX XX/XX/2015They were saying that I now have a past due amount of {$190.00}! 
New Balance Total XXXX $ XXXXCurrent Payment Due XXXX $ XXXXPast Due Amount XXXX $ XXXXTotal Minimum Payment Due XXXX $ XXXXPayment Due Date XXXX .XXXXI spoke the a representative this morning who said that it was all in error and that they would get this fixed, however I feel the need to file a complaint. The way they handled this was harassment. The rep did not even apologize. It 's not right to receive collection calls or emails when you have paid! I do not want to see this reported to the credit bureau for their errors. I also see that they repeatedly make these kinds of errors with many other customers. A giant bank should get their act together. Thanks for reading. 
",,Consent provided,Web,2015-10-23,Closed with monetary relief,Yes,No,CR1621891,4714
2015-10-23,Credit card,,Identity theft / Fraud / Embezzlement,,"This is my second complaint regarding an issue with Eagle National Bank. I was not able to log in to check the complaint status or add more information. My 1st complaint # was XXXX As stated in that complaint it looks as though my doubts regarding EN 's veracity were confirmed. After not receiving my new credit card and my refund in the timeframe promised by XXXX in the fraud dept. @ XXXX I made a second call to the same dept. and spoke XXXX on XX/XX/2015 She looked up my claim and said that it had been withdrawn. I asked by who and she could not tell me, only stated that it was an oversight and she would correct it. I am livid that a EN agent supposedly working on customers concerns would intentionally mislead and lie to those customers. XXXX took all of my information which took putting me on holds for a total of XXXX minutes, assured me my credit for a fraudulent charge would be credited to my account within 24 hrs and a new card would be in my hands within XXXX hrs. It looks as though the minute she hung up she intentionally and with malice withdrew the entire transaction. After speaking with XXXX who assured me of the same timeframes I DID receive my new credit card but have NOT received my promised credit. Can the CFPB help me before I have to pay a lawyer to file suit against EN, which I should not have to do. At this point I am looking at EN as if they are furthering the fraud that put me in this position to begin with. 
",Older American,Consent provided,Web,2015-10-23,Closed with monetary relief,Yes,No,CR1622023,2431
2015-10-23,Credit card,,Other,,"XX/XX/XXXX2015XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXRe : Unauthorized Credit InquiryDear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from XXXX credit files because it is making it very difficult for me to acquire credit. 

Send us written authorization that gave you access to our credit files. 

SS # XXXX XXXX XXXX # XXXX XXXX XXXX 
",,Consent provided,Web,2015-10-27,Closed with explanation,Yes,No,CR1621097,4907
2015-10-23,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-10-23,Closed with monetary relief,Yes,Yes,CR1622921,3038
2015-10-23,Credit card,,Transaction issue,,,,Consent not provided,Web,2015-10-23,Closed with explanation,Yes,No,CR1621842,4461
2015-10-23,Credit card,,Advertising and marketing,,,,Consent not provided,Web,2015-10-23,Closed with monetary relief,Yes,No,CR1622935,3478
2015-10-22,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,"My friend wrote me a personal check from his Eagle National Bank checking account. He left the payee line blank. When I walked into Eagle National Bank 's XXXX XXXX XXXX, XXXX, MO XXXX office at XXXX on XXXX XXXX, 2015 to cash the check the bank teller and a female branch manager both refused to honor it. They stated that "" Federal Reserve regulations prohibit us from accepting the check ''. My understanding of banking laws is that when the payee line is blank, the bank may ask me to fill in my name, endorse the back of the check, or show proof of ID but may not refuse to honor the check. Please advise. 
",,Consent provided,Web,2015-10-22,Closed with explanation,Yes,No,CR1620080,3905
2015-10-22,Bank account or service,Checking account,Deposits and withdrawals,,"On XX/XX/2015, I contacted Eagle National Bank supervisor at the XXXX XXXX Branch regarding a HOLD placed on my XXXX Business Banking Accounts, Personal Accounts, My attorney XXXX XXXX required documentation to show a judgment based on the Levy. XXXX XXXX would not provide any documentation to support the levy. 
When I requested the phone number of a supervisor of Legal Department, he stated '' It was not public information '' Eagle National Bank refused to provide assistance on these accounts that the levy was in dispute, and refused to provide information on the validity of the court judgement or levy notification. Several insufficient fees were placed on the account. 
",,Consent provided,Web,2015-10-26,Closed with explanation,Yes,No,CR1619323,4353
2015-10-22,Credit card,,Credit determination,,"Since XXXX, XXXX I have attempted to get Eagle National Bank to correct the date of my oldest credit line from XXXX to XXXX. My credit card with this Bank states that I am a card holder since XXXX. My account number may have changed, but I have used a EN credit card well before XXXX. My credit rating has suffered, because I rank a B in terms of "" Oldest Credit Line '' in light of EN 's wrong reporting. 
I have regularly sought to get EN to correct their dating mistake without success. I understand that the FCRA requires action within 30 days. EN has dithered and refused to correct their mistake for my account no XXXX All credit agencies continue to state my oldest credit line as having commenced in XXXX. 
I am seeking your intervention to get EN to correct their mistake and to inform the credit agencies that my oldest line of credit dates back to XXXX and before. 
Thanks for your help. 
",,Consent provided,Web,2015-10-22,Closed with explanation,Yes,Yes,CR1619859,2005
2015-10-22,Credit card,,Other,,"This complaint is in regards to a phone call I placed to Eagle National Bank regarding the account listed above on XX/XX/XXXX. I called to inquire about this account that is listed on my Credit Reports ( my one and only BOFA mark ). I spoke to a Customer Service Representative. He informed me that your company does not have any record on this account with respect to any late payments.. 

Please also see the attached letter that was mailed to Eagle National Bank via USPS certified mail. 

These are my notes, which will be reflected in Eagle National Bank 's recording of the call. 


This complaint is in regards to a phone call I placed to Eagle National Bank regarding the account listed above on XX/XX/XXXX. I called to inquire about this account that is listed on my Credit Reports ( my one and only BOFA mark ). I spoke to a Customer Service Representative. He informed me that your company does not have any record on this account with respect to any late payments.. 

I spoke with Represenative XXXX XXXX out of XXXX, AzOur conversation, which Eagle National Bank has recorded went something like this. 

XXXX : I got a lot of credit cards and I just wanted to investigate this item a little bit further. To check in my credit report and I do n't really remember this, is there any kind of ... It shows late payments on there, is there ... Do you have any information that you can provide me with to prove those late payments? I 'm just going through and doing some maintenance here on my financials and just wanted to research things a little further. 

Speaker : All right, let me see here what I can provide you with. I was just checkingto see if I was able to send out any statements or anything but this card had been paid off from quite some time. It does show that at one time the account did go six payments past due. 

XXXX : Is there anything that you can provide me with other than ... Are there any proof of that? 

Speaker XXXX : I 'm not finding any recent statements or anything that I could actually send out. Let me double check one thing here. 

XXXX : I do n't. I 'm trying to research this whole thing. 
Speaker XXXX : Okay. This is coming up on your credit report, how did you find out about this? 

Speaker XXXX : Correct, that 's when we show that it was opened and it was actually closed on XX/XX/XXXX. It 's just that it may have been so long since it was actually paid off that we no longer have the records on it. I can see if there somewhere that I can go to find any information for you here. May I just place you in a brief hold? 

Speaker XXXX : Okay one moment. Thank you for holding XXXX XXXX I do appreciate your patience. Just checking to see if we have in the archives statement that I can possibly access to maybe send out those to you to give the information of the account. 

Speaker XXXX : Okay let me try again. Thank you for holding once again XXXX XXXX. I was just checking to see if I can access the information, unfortunately I was unable to. What I can do is I can reach out to customer service and see if they would have any access to the archive statement. 

XXXX : It sounds like you guys dont have the records any longer If you do n't have it then it must not exist because I actually spoke with customer service just now before you asking for the same information and they did not have it. 
Speaker XXXX : You did? 

XXXX : Yes. They transferred me to you guys. It sounds like you guys do n't have it. Okay, that 's fine. Okay, I appreciate it. I 'll just continue to research. Thank you. 

Speaker XXXX : Okay, all right thank you. 
",,Consent provided,Web,2015-10-22,Closed with explanation,Yes,Yes,CR1620905,3307
2015-10-22,Credit card,,APR or interest rate,,,,Other,Web,2015-10-26,Closed with explanation,Yes,No,CR1619724,927
2015-10-22,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-10-22,Closed,Yes,Yes,CR1619432,3694
2015-10-22,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-10-22,Closed with explanation,Yes,No,CR1619324,1530
2015-10-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2015-10-22,Closed with explanation,Yes,No,CR1619864,987
2015-10-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-10-22,Closed with monetary relief,Yes,No,CR1619590,8327
2015-10-22,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-10-22,Closed with explanation,Yes,No,CR1619482,2795
2015-10-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank has been trying to collect on a credit card debt that is over 10 years old. It was a debt that I could not pay at the time due to financial hardship. They have sold this debt to various agencies in an attempt to collect this debt. If I am correct this is against FDCPA rules and regulations. My current issue is that B of A has sold this debt to XXXX XXXX XXXX and XXXX XXXX XXXX at the same time, thereby causing harm to my credit ratings at a time when I have been paying my student loans. After I explained this to XXXX companies I received a letter from XXXX on XXXX/XXXX/15 and MCM on XXXX/XXXX/15 informing me that they will not pursue this issue any longer. My concern is that B of A will continue down this pass until someone puts a stop to this practice. 
",,Consent provided,Web,2015-10-21,Closed with explanation,Yes,No,CR1617178,4776
2015-10-21,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank has reordered my transactions, from those processing first, to processing a larger amount which came in last, so that I incur XXXX {$35.00} overdraft fees instead of XXXX. This unfortunately is not the first time this has happened. 
",,Consent provided,Web,2015-10-21,Closed with monetary relief,Yes,Yes,CR1618582,1289
2015-10-21,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank posted a balance overnight after midnight and automatically charged me an over draft fee. Their policy is you have 24 hours to rectify the situation and they ripped me off. I contacted XXXX managers who XXXX told me normally the policy is to allow consumers 24 hours to put the funds in. They were both extremely rude and condescending. They ripped me off and then gave me an attitude. I want my overdraft fee returned. 
",,Consent provided,Web,2015-10-21,Closed with monetary relief,Yes,No,CR1617325,118
2015-10-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Fraudulent activity occurred in my Eagle National Bank account on XXXX XXXX, 2015. I called the bank immediately after I received a text alert from them. I told them that the money in question was not mine. I told them that I only had about {$21.00} and had neither deposited XXXX dollars nor had I withdrawn {$300.00}. Everything seemed to have been taken care of but on XXXX XXXX EN took my {$20.00} and caused me an overdraft of {$270.00} XXXX by reversing the XXXX temporary ) {$300.00} credit from my account ). I did not give my pin to whoever accessed my account. I am a struggling student and I need my $ XXXX that they have taken. 
",,Consent provided,Web,2015-10-21,Closed with explanation,Yes,No,CR1618559,24
2015-10-21,Bank account or service,Checking account,Deposits and withdrawals,,"I was young and thought I had gotten a check for early payment on services and was getting this nice cozy job but got scammed. It has caused nothing but chaos on my life trying to open a bank account and being denied everywhere due to Eagle National Bank. 
",,Consent provided,Web,2015-10-21,Closed with non-monetary relief,Yes,No,CR1617857,4328
2015-10-21,Bank account or service,Checking account,"Account opening, closing, or management",,"In XX/XX/XXXX I hit a financial hardship, I, applied for what I thought was a small business loan..the agents name XXXX XXXX ... told to log into online banking..they would take it from there..2checks were counterfeit ... risk management without warning invaded my privacy and closed all XXXXaccounts XXXX we 're not affected by the ID Theft but have done nothing to apprehend XXXX XXXX.they threw me under the bus .now they refuse to remove me from early warning when no fraud as been committed ... 
",,Consent provided,Web,2015-12-07,Closed with explanation,Yes,No,CR1619061,4709
2015-10-21,Bank account or service,Other bank product/service,Using a debit or ATM card,,"On previous trips to XXXX, I have used my Eagle National Bank ATM card to get cash at various ATMs. In XXXX, I have used XXXX XXXX, EN 's partner bank there and never had a problem. As a result, on my recent trip to XXXX, I took little cash because I knew that I could get cash from the ATM. In fact, one of the reasons that I have a Eagle National Bank ATM card is because I was assured by the bank that it would work overseas. 

On arriving in XXXX XX/XX/XXXX, I tried my ATM card at a XXXX branch and the machine indicated that the transaction could not be completed. I tried at other branches of XXXX as well as at other banks with the same result. On the chance that something was wrong with my card, I tried my wife 's card ( we are on the same account ) and that did n't work either. At the time, we had a balance in our checking account of more than {$10000.00}, so it was not a question of insufficient funds. I called Eagle National Bank from XXXX ( at substantial cost to me, given international rates ) and after the usual voice mail tree, wait, prolonged identification process, and a transfer, got to a person to whom I explained my problem. Her response was that the chip in my ATM card was so sophisticated that the XXXX banks could n't process it. This, of course, is ridiculous ; XXXX has been using chip cards for several years and my chip card from XXXX XXXX worked fine for charging items. She also indicated that there was nothing that Eagle National Bank could do for me to get me a card that worked, or to get me funds. Before I left for XXXX, I filed a travel notice with Eagle National Bank, indicating that I would be using my ATM card when overseas. Although EN did tell me that there would be a 3 % transaction fee, there was no indication that my card might not work. So here I was in XXXX at the beginning of a two week trip with little cash, and no one at Eagle National Bank was prepared to assist me. Fortunately, XXXX XXXX, a company that seems to care about its customers, arranged to get me the cash that I needed for my trip. 
Clearly, in providing my wife and I with an ATM card that would n't work overseas ( it does work here in the states ) and refusing to even tell me why this happened or whether it will happen again the next time I go overseas it seems to me that Eagle National Bank has engaged in fraud. 
",Older American,Consent provided,Web,2015-10-21,Closed with monetary relief,Yes,No,CR1618608,4904
2015-10-21,Bank account or service,Checking account,Problems caused by my funds being low,,"Outrageous over draft fee of Eagle National Bank and Rude behavior of customer service rep when called for resolutionI am having Checking Account in Eagle National Bank and I When Travel to XXXX on my XXXX and Eagle National Bank Does n't have any ATM's/Bank Center to Deposit the money to Meet Bill payments, When I have Bill payment scheduled to pay on particular day and During that Period on Travel ans also extended stay I ca n't able to deposit money to meet the bill payment and Eagle National Bank need to facilitate some kind of method to handle with out having charges from other financial institutionsThe XXXX Over draft charges of {$35.00} each XX/XX/XXXX 
",,Consent provided,Web,2015-10-21,Closed with explanation,Yes,No,CR1618969,910
2015-10-21,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"somone stole my debit card it was so mean ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... all they did was hug me and took my card./ ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... my code was XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... they just took it right out ... ... ... ... ... ... ... ... ... ... ... 
",Servicemember,Consent provided,Web,2015-10-21,Closed with explanation,Yes,No,CR1618828,1471
2015-10-21,Credit card,,Other,,"Eagle National Bank is inaccurately and incompletely furnishing information regardingthe one and only Eagle National Bank account listed on my report to the Credit Reporting Agencies inviolation of the reporting requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which BOFA is responsible. 

I dispute their information in its entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting. 
",,Consent provided,Web,2015-10-21,Closed with explanation,Yes,Yes,CR1619063,2492
2015-10-21,Credit card,,Other,,"I am submitting this complaint after months of frustration dealing with Eagle National Bank 's Line of Credit Division ( BA ). Despite numerous requests and clear evidence, provided by BA, I am unable to obtain accurate credit history of my Account, reported to XXXX, XXXX and XXXX. I am trying to refinance my mortgage and this inaccuracy is negatively impacting my credit score, which in turn negatively affects the interest rate ( higher rate ) I am able to obtain on the refinance, which in turn will result in paying substantially more money in interest charges. Attached is a file containing the following Exhibits:1. Exhibit A - BA letter dated XX/XX/XXXX stating that my Account was established in XX/XX/XXXX and there have been no late payments made on the Account2. Exhibit B - Page XXXX of XXXX of my credit report, completed on XX/XX/XXXX, indicating one 30 day late payment in XXXX XXXX. Exhibit C - BA letter dated XX/XX/XXXX, with the same information as the XXXX XXXX letter4. Exhibit D - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account and the unwillingness of BA to confirm that there are no late payments5. Exhibit E - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the unwillingness of BA to confirm that there are no late payments6. Exhibit F - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating that the Account is still being reported incorrectly7. Exhibit G - Page XXXX of XXXX of my credit report, completed on XX/XX/XXXX, indicating the Account has no payment history at all, which negatively affects my score since I have 48 months of perfect history not being factored into the score8. Exhibit H - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account ( no history and XXXX Accounts ) with a call into BA9. Exhibit I - Email dated XX/XX/XXXX from XXXX XXXX, XXXX XXXX, stating the concerns regarding incorrect reporting on the Account with a call into BAThere seems to be no other way to get through to BA except filing this complaint through the CFPB. At this time I am asking that you request BA to immediate correct this error and to send written communication stating the correct history be reported immediately. I would also request that they place authorization on file to verbally confirm my pay history with XXXX XXXX, XXXX, XXXX and XXXX. I am not sure if you can levy fines or penalties for this type of behavior, but I would also like to see some type of fine levied on BA. 
Thank you for taking the time to review my complaint. 
",,Consent provided,Web,2015-10-21,Closed with explanation,Yes,No,CR1618491,1127
2015-10-21,Credit card,,Billing disputes,,"I have had a Eagle National Bank credit card for about 8 years, and the minimum payment used to be around {$45.00}. Over the years, every time I used the card the minimum payment went up, and by XXXX the minimum payment was {$220.00}. Unfortunately, my mother-in-law died on XXXX XXXX, which was the date on which my credit card payment was due. I missed the date by four days, and made a payment of {$320.00}. Then I received a bill for a minimum payment of {$460.00}. I think that this Eagle National Bank financial policy is abusive, fraudulent, and illegal. Can you please do something to help me? 
",,Consent provided,Web,2015-11-02,Closed with explanation,Yes,No,CR1618033,4330
2015-10-21,Credit card,,Other,,"I received {$29.00} annual service fee for a credit card I do not use. I did not receive any emails or mail in regards to this fee and it went unpaid for two months. The moment I checked my account and saw the late payment I paid it the same day. I called Eagle National Bank and an associate said after a payment is posted to my account I can call back and get the derogatory mark on my credit report reversed and removed. After the payment posted I called back and an associate said I can not reverse the derogatory that now shows up on my credit report. Now I lost XXXX points on on my credit score for a charge I did n't know occurred on a card I do n't use. I immediately cancelled the card because paying my late annual service fee did not help me on a card I do n't use. 
",,Consent provided,Web,2015-10-21,Closed with non-monetary relief,Yes,No,CR1618698,1989
2015-10-21,Credit card,,Other fee,,"They charged me interest when my balance was negative, telling me that if I pay late, they can charge me interest for two months after my balance is XXXX. Charging interest the first month makes sense -- I pay late, so they charge interest. But I paid not long after the due date, and then the balance was not just XXXX, but negative. They told me they can charge me interest anyway, for two months. I am not worried about the money per se, just that it is a fraudulent practice that is hurting other people, as well. 
",,Consent provided,Web,2015-10-21,Closed with monetary relief,Yes,No,CR1618807,3516
2015-10-21,Credit card,,Rewards,,"I signed up for a XXXX through Eagle National Bank under promotional terms. The offer was a {$200.00} cash rewards bonus reflected on the account in 6-8 weeks after spending {$1500.00} in total net purchases within 90 days of account opening. I met the promotional spending terms by my XXXX XXXX statement ( well within 90 days of account opening ). By the terms of the offer, I should have received the cash rewards bonus no later than 8 weeks from XXXX XXXX, which would be XXXX XXXX. I have not received the bonus. I have sent ~XXXX secure emails and called ~XXXX times. Eagle National Bank always has a different story. When I called in XXXX, I was told I would see the bonus on my XXXX statement. That did not happen. When I called today ( XXXX ), I was told the bonus would post 6-8 weeks after the first 90 days. However, this is not how the offer terms are written, and at this point the bank seems to be doing anything it can to avoid honoring the terms of the offer. 
",,Consent provided,Web,2015-10-21,Closed with monetary relief,Yes,No,CR1617517,8692
2015-10-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-10-21,Closed with explanation,Yes,No,CR1618952,209
2015-10-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Other,Web,2015-10-26,Closed with explanation,Yes,Yes,CR1618764,3585
2015-10-21,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,"Older American, Servicemember",Consent not provided,Web,2015-10-21,Closed with explanation,Yes,No,CR1618989,96
2015-10-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,"A "" XXXX XXXX '' texted me about purchasing my bed from XXXX on XXXX XXXX, 2015. He sent me a cashier 's check for {$2200.00} on XXXX XXXX, 2015. The bed was {$900.00} but he sent me extra to pay the "" movers '' {$1300.00}. On XXXX/XXXX/15, I discovered via on-line banking that the cashier check cleared and {$2200.00} was deposited into my account. Per his request, I paid the "" movers '' through XXXX XXXX on XXXX XXXX, 2015. The same day he texted me again telling me he needed money. He asked me to send him {$670.00} out of what he had sent me for the bed. Red flags came up immediately and I told him no. He said he needed to pay medical bills and pay their private physician who he named "" XXXX XXXX. '' He wanted me to send "" XXXX '' the money through money gram. Now I had already sent the "" movers '' {$1400.00} from the money "" XXXX XXXX '' sent me. I told him I 'd rather just refund him the rest of his money and cancel the transaction. I felt like this was fraud and he was trying to get me to send money to people he knew. I sent him {$180.00} on XX/XX/XXXX and told him I 'd pay him the rest the next day when the bank was opened. He agreed that I would send him the rest of the money back through money gram. I did n't send him anymore funds. On XXXX/XXXX/15, I learned that the cashier check was "" bad. '' Had the cashier 's check not cleared ( it initially showed it was processing, then showed it had cleared on XX/XX/XXXX ) on my on-line banking statement and the funds not been deposited into my account, I never would have sent "" XXXX XXXX '' any funds. A EN representative informed me that because of my good credit history, the cashier check was honored even before it was confirmed to be bad or good, which I ca n't believe. And stated that I should have taken the additional step of calling the bank or going to the bank in person to confirm the cashier 's check had cleared. At no time prior to this transaction was I informed of this by EN. I, like many others, believed that when any type of check shows to have cleared and the funds have been deposited, the check is good. EN knows many people are under this impression. Yet, it does not educate its clients about this particular deceptive practice and allows it to continue. I am appalled that this practice is allowed to occur. If a check is not confirmed to be "" good '', why does EN allow it show ( on on-line banking ) it has cleared instead of just letting it show it is still processing? There must be thousands of current and former EN customers that have been victimized by this particular deceptive and misleading practice. It needs to stop. 
",,Consent provided,Web,2015-10-20,Closed with explanation,Yes,No,CR1615213,4019
2015-10-20,Bank account or service,Checking account,Using a debit or ATM card,,"I have returned merchandise to a merchant who credited my bank card on XXXX. I 've checked my Eagle National Bank account and the credit does not appear on my account on XXXX. This delay may cause an overdraft. I have noticed that it takes 48-72 hours for a credits to appear on my Eagle National Bank account. Is there a time limit for banks to process credits? How is it that a purchase is immediately removed from my account, yet it takes longer for credits? Thank you for looking into this. 
",,Consent provided,Web,2015-10-20,Closed with explanation,Yes,No,CR1615525,7683
2015-10-20,Bank account or service,Checking account,"Account opening, closing, or management",,"I went in to Eagle National Bank to open a account. I was told by the branch manager that my name and social security number was showing up XXXX. I was then giving a phone number XXXX to call. I call the number and the person answering the other line, searched the information I 've giving them. An I was told my name and social was not XXXX, but on the Branch Managers computer inside of Eagle National Bank was stating I was not able to open a bank account. The Branch Manager and the person XXXX spoke on the phone to one another and at the end of their conversation. I was still not allow to open account. 
",,Consent provided,Web,2015-10-20,Closed with explanation,Yes,No,CR1616546,721
2015-10-20,Bank account or service,Checking account,"Account opening, closing, or management",,"Please do n't call me regarding this complaint. I want a written explanation for the following question for legal purpose. I am not expecting any promotion from ENHere is the question******* Beginning of question *********Why EN did n't inform/disclose me that I am not eligible for promotion before I open my account and why they did n't open the right account knowing my intention is to get the promotion? 
XXXX End of question **************They tricked me to open an account and later told me I am not eligible for promotion. 

XXXX XXXX XXXX EN XXXX or XXXX XXXX please do n't contact me instead answer my question in writing and please do n't talk about promotion eligibility as you have already explained that many times. I am not looking for any promotion. 
Our EN Business Checking account # is XXXX 
",,Consent provided,Web,2015-10-20,Closed,Yes,Yes,CR1615072,1511
2015-10-20,Credit card,,Billing disputes,,"Ttarget is charging odd amounts to my credit card, such as a penny here and there as the total. I was aware of this on XXXX XXXX. Also no one in customer service would respond. They have. Weird way of charging for online orders. They do it individually as shipped, but a penny. I sense something fishy. 
",,Consent provided,Web,2015-10-20,Closed with explanation,Yes,Yes,CR1615126,1121
2015-10-20,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-10-20,Closed with non-monetary relief,Yes,No,CR1615253,1885
2015-10-20,Credit card,,Other,,,,Consent not provided,Web,2015-10-20,Closed with explanation,Yes,No,CR1616273,2810
2015-10-20,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-10-20,Closed with explanation,Yes,No,CR1614989,11874
2015-10-20,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-10-20,Closed with explanation,Yes,Yes,CR1615820,4371
2015-10-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-10-20,Closed with monetary relief,Yes,No,CR1616050,10274
2015-10-19,Bank account or service,Checking account,"Account opening, closing, or management",,"I owned a checking account with Eagle National Bank. The account carried no monthly fee due to there being a waiver on the monthly fee. I received a letter in the mail indicating that the bank will be converting my account into a different type of account which carries a $ XXXX monthly fee. However, the letter unequivocally stated that I will not be charged the fee due to there being a fee waiver on the account. A few weeks later, I discovered that the fee was charged and my account was brought into the negative. I went into a BofA branch located at XXXX XXXX XXXX. in XXXX, FL. I brought the letter with me and showed it to XXXX at the branch. XXXX studied the letter, and then nervously told me that he 's not a lawyer and could n't interpret the letter. I asked him to waive the fee, which he attempted to do but told me he could n't since the system would n't allow it. I was unhappy with this response, and told him that I would deposit cash to bring the account to a XXXX balance so that it could be closed. I did and XXXX closed the account. I chose to close the account because I did n't want to give the bank additional opportunities to harvest fees on the account. The {$25.00} fee had already been charged despite the letter indicating, clearly, that a fee "" will not be charged ''. The charging of the fee was an unfair and deceptive practice, in that the fee was not reasonably avoidable, and the terms of the letter I received in the mail was misleading. I would like my {$25.00} refunded. 
",,Consent provided,Web,2015-10-19,Closed with monetary relief,Yes,No,CR1612886,929
2015-10-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I sold a car online and was sent a cashier check from the company I try to get the bank to verified it before I deposit in my checking account, I was told by one of the banker that it looked ok just deposit into my account that I had with that bank, I put it in my bank account I had with the bank.The bank gave me half of the check which was XXXX available to me which I took the cash. The bank aloud m XXXX available that day ok 3 days later I get a block put on my account and when I call them that 's when I found out the cashier was not good. I tried to get it comfort at now I am label high risk @ XXXX XXXX and can not open a bank account 
",,Consent provided,Web,2015-10-19,Closed with explanation,Yes,No,CR1613129,7327
2015-10-19,Bank account or service,Checking account,Using a debit or ATM card,,"I was fraudulently charged XXXX by a cosmetic internet dealer. Instead oftelling
telling me to return the merchandise BofA employees gave me ""bounce""
protectection which added XXXX ISF charges. A week later the
same thing occurred again and when I noticed the XXXX overdraft and
went to the bank. No help was forthcoming. I returned four more times.
Same result. On the 6th visit I was given a busy phone line which no one ever
answered. On the 7th visit I was given another ""executive"" complaint line
which no one answered. On the 8th visit I encountered a new face who
said ""return the merchandise and we will try to fix things"". Another intern
-net transaction occurred raising the total to around $900. Finally today I
was told nothing could be done and to pay XXXX and cancel the card.
I told the bank 'executive' I would rather go to court and tomorrow morn-
ing I will be talking to a lawyer about it.  What advise do you have?
XXXX 

 
the bank to inquire as to what had happened. I was not helped at all and
returned 5 more times.
XXXX visits",,Consent provided,Web,2015-10-19,Closed with explanation,Yes,No,CR1614015,2607
2015-10-19,Credit card,,Billing disputes,,"Eagle National Bank continues request i pay my debt of my credit card i have been scammed and lost tremendous amount of money while having acount at Eagle National Bank unable to pay my debt due to the scam i was involved in need help assistance resolving issue matter of debt and scam. 
",,Consent provided,Web,2015-10-19,Closed with explanation,Yes,Yes,CR1612782,903
2015-10-19,Credit card,,Other,,"My Eagle National Bank credit card Account was charged off in XXXX of 2014 after being 60 days late. I recieved a bill from the bank in XX/XX/XXXX stating I was past due but had no warning of the charge off taking place XX/XX/XXXX. My concern is that this charge off took place after only 60 days of delinquency. I attempted to contact Bank. Of America and ask why I was charged off after 2 months and was told. That 's what we do with partially secured accounts. Aside from this charge off status, my payment history and late payments do not match up with XXXX, XXXX, and XXXX. This inaccurate reporting led me to dispute with The XXXX CRAs last XX/XX/XXXX as of XX/XX/XXXX all came back as accurate and verified from Eagle National Bank. 
",,Consent provided,Web,2015-10-19,Closed with explanation,Yes,No,CR1614380,2013
2015-10-19,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-10-19,Closed with monetary relief,Yes,No,CR1613503,1129
2015-10-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-10-19,Closed with monetary relief,Yes,No,CR1613950,3326
2015-10-18,Bank account or service,Savings account,"Account opening, closing, or management",,"Since XX/XX/XXXX, I had a XXXX IRA Money Market acct with Eagle National Bank. From then until XX/XX/XXXX, I earned a total of {$130.00} in interest on a initial {$1000.00} deposit. Recently the interest rate was so low, that I decided to move the money to XXXX XXXX. I contacted EN and they said they would not do a transfer. They would either send me a check or I could get XXXX to do the transfer. At no time during this conversation, did EN mention a fee for making this transfer. Since the IRS has strict rules about taking the money from an IRA and moving it on my own, I decided to ask Ally to do the transfer. Once the transfer was complete, EN notified me that they withheld {$50.00} from the transfer, calling it a processing fee. I contacted them and they said that they told XXXX about the fee and that XXXX should have informed me. They also said that this fee is stated on my quarterly statement. XXXX said that if EN had told them about this fee, they would have instructed them to relay the information to me and that it was n't their responsibility to inform another bank 's customer of their fees. In addition as you can see from the attached statement, there is no mention of this fee on the quarterly statement. I have XXXX and XXXX and keeping track of all of a bank 's rules are difficult for me. I thought by calling EN at the beginning of this process, I would be making sure that I made an informed decision about how to proceed. I do n't have a lot of money and they ended up taking XXXX % of the interest it took me 7 1/2 years to earn. Also, why are they entitled to a processing fee, when they refused to initiate the transfer and XXXX was the one who did all of the work? I spoke to several customer service people at EN after this occurred and they maintain that they have a right to charge this fee. They may have this right, but is it fair, especially considering how small of an account this was. I also think this is unfair because the IRS recommends an account to account transfer to minimize tax problems and EN is using this to their advantage. 
",,Consent provided,Web,2015-10-18,Closed with monetary relief,Yes,No,CR1612376,2937
2015-10-18,Credit card,,Convenience checks,,"Eagle National Bank sends me checks in the mail each month as part of a promotional effort to reduce credit card rates. I have told them that I do not want these checks sent to me, and they continue to send them. How can I get them to stop? 
",,Consent provided,Web,2015-10-18,Closed with non-monetary relief,Yes,No,CR1612385,18
2015-10-18,Credit card,,Billing statement,,"Eagle National Bank XXXX BA ) lied regarding interest charges. The contract on promotional balance transfers clearly states that any payment above the minimum payment is applied to the highest/older interest balances. This was also repeated verbally by BA representatives upon an additional balance transfer on XXXX/XXXX/15. We paid off the older balance of {$5000.00} before the promotional expiration date of XXXX 2015, but BA started charging interest unjustifiable. After complaining each and every month of this, each representative told us that this was a computer glitch, that we were not the only customers affected by this, and that the glitch was going to be fixed by XXXX/XXXX/15, and all interest charges would be reversed. Upon calling today, XXXX/XXXX/15, to verify that the glitch was solved, the BA representative told me that there was no glitch, and that I owed interest from the previous balance, which has been paid in full which can be verified through my bank 's records. I have closed this BA account, I am in the process of transferring the full balance somewhere else, with the exception of the interest charges that I am hereby disputing. 
",,Consent provided,Web,2015-10-18,Closed with monetary relief,Yes,No,CR1612582,4261
2015-10-17,Bank account or service,Checking account,Deposits and withdrawals,,"My XXXX cash deposit turned into XXXX by magic, Went to do a cash deposit at Eagle National Bank on XXXX and XXXX at about XXXX yesterday, I had XXXX XXXX XXXX dls bills and the rest was all XXXX, when the teller count the money in the bill counter machine it was only XXXX, When I handled the money to the teller I had the money in My rear left side pocket, I leaned to the left to verify My pocket was empty, and then the money was short, Money was carefully counted before taking it to the bank, when shortage was discovered, money was returnes to Me, wen to My wife she drove home just to verify but there was nothing to be found, so I went back to the bank and made a {$2500.00} deposit and another {$280.00} deposit for payment to someone else, I went to the bank manager and reported the situation, He went to the teller and I think counted the money and everithing checks out ok, however I THINK the teller somehow separated some bills before they made it to the counting machine, I asked the Manager if they could see the tapes and He said tapes were for their protection and did not think that was possible but will try, This loss is great damage to Me and extremly unfair, I am sure I did not drop the money somewhere else,, I am blaming the teller please see if You can see the pictures or if You can help Me in any way 
",Older American,Consent provided,Web,2015-10-17,Closed with explanation,Yes,No,CR1612308,1315
2015-10-17,Credit card,,APR or interest rate,,"About a year and half ago, I applied and Got an American express issued By XXXX/ XXXX XXXX . The terms were that I was going to get a year of Charges or Transfers at Zero Interest rate. This Credit card Company, abused its power and started to charge Interest during that Interest free Year. 
",,Consent provided,Web,2015-10-21,Closed with explanation,Yes,No,CR1612353,2445
2015-10-17,Credit card,,Identity theft / Fraud / Embezzlement,,"I contacted EN on XX/XX/2015 @ XXXX to report a fraudulent transaction on my EN MasterCard. I 1st spoke to XXXX in customer service who found the charge in question and transferred me to the fraud dept. where I spoke with XXXX who said he could not see the charge in question and after a ten minute hold gave me the direct fraud # of XXXX and transferred me back to customer service. I then spoke to XXXX who again, found the charge immediately and transferred me back to the fraud dept. I spoke to XXXX there who also saw the charge but tried to say she would file a dispute and let me know something within 90 days ' I explained again that this was an unrecognized and unauthorized charge and I was reporting fraud, not a dispute, she put me on hold for 15 minutes, came back on the line to say she was still checking something and put me on hold for another 15 minutes. After I explained that I was on my lunch hour and been on the phone for nearly an hour I simply told her that I would let the CFPB handle the matter for me. She finally said my account would be credited and a new card issued within 5-7 days, I requested my new card be overnighted and she said fine she would do that. The basis for my complaint is that the XXXX people I spoke to in fraud dept. were extremely rude and unhelpful until I threatened to complain to the CFPB, why after being a customer of EN for 20+ years should I have to be lied to, badgered and put on interminable holds just to finally have EN follow the law. It bothers me greatly that these agents are allowed to use only first names and not provide an i.d . # or some other sort of identifier. It seems they hide behind this anonymity and use it as a device to be rude to customers. I am writing this complaint because at this juncture, due to how I was lied to and treated by these EN employee 's, I have my doubts if they will actually follow through on my claim. I do n't understand, are these people paid a "" bonus '' for not returning fraudulent charges to customers? They certainly act as though the refund is coming from their own paycheck by being so rude and uncooperative. As soon as my credit is issued I will be certainly changing banks. 
",Older American,Consent provided,Web,2015-10-17,Closed with monetary relief,Yes,No,CR1612095,1659
2015-10-17,Credit card,,Billing disputes,,"I wrote and asked for a lower payoff on my account, it was granted, I called and paid the payoff of about {$700.00} and closed the account, so I thought. The bank kept the account open and now has charged me about {$5.00}, which is against ethics and my request 
",,Consent provided,Web,2015-10-17,Closed with explanation,Yes,No,CR1612110,1224
2015-10-17,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-10-17,Closed with explanation,Yes,Yes,CR1612271,2347
2015-10-17,Bank account or service,Savings account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-10-17,Closed with monetary relief,Yes,No,CR1612164,39
2015-10-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-10-19,Closed with explanation,Yes,No,CR1612301,3426
2015-10-16,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank account was reported for suspected fraud activity. Charge off amount of XXXX is fraudulent and I am not responsible for the balance because I have never had this amount of money on my account. 
",,Consent provided,Web,2015-10-16,Closed with explanation,Yes,No,CR1610804,319
2015-10-16,Bank account or service,Checking account,"Account opening, closing, or management",,"I had called to change an address of a nonprofit organization I am operating. They then changed the address of all of my other linked accounts that can be viewed online including my personal home address. This information was also submitted to all credit bureaus and I was getting notices from them that there is a change of address. I was told they can not resolve the issue on the phone. When I informed the bank about the mistake and requested to get this straightened out, it took them nearly 3 months to fix this simple issue and only after numerous emails requesting this. 
",,Consent provided,Web,2015-10-16,Closed with non-monetary relief,Yes,Yes,CR1610321,1842
2015-10-16,Bank account or service,Checking account,"Account opening, closing, or management",,"I have been reported for : SUSPECTED FRAUD ACTIVITY according to XXXX byEagle National Bank XXXX XXXX XXXX XXXX XXXX XXXX opened a checking account with Eagle National Bank over the internet XXXX 2010, Once notified, I went to the local bank on XXXX XXXX XXXX, XXXX XXXX and signed the signature card, etc. A few days later I tried to log into my account and it had been closed. I was upset since I had money in the account, so I went up to the branch. The guy said the account had been closed and would not offer any reason except that I would never be able to have an account again and they would mail me the balance from corporate. 
This is very concerning since I never did anything wrong, never overdrew the account or done anything at all. I am just now finding out that this was reported as suspected fraud activity. 
I would like to know exactly what I did that was fraudulent. I want this removed from my record. This is totally dishonest behavior by the bank. 
",,Consent provided,Web,2015-10-16,Closed with explanation,Yes,No,CR1610263,5364
2015-10-16,Bank account or service,Checking account,Deposits and withdrawals,,"On Saturday XXXX/XXXX/2015 at about XXXX I deposited a check in the amount of {$5000.00} ( XXXX XXXX ) via the ATM at Eagle National Bank branch at XXXX XXXX XXXX, XXXX XXXX, NJ. The ATM machine after several minutes gave a reading : "" Item Rejected ''. After several more minutes waiting for further instruction or the return of my check ; I pressed the 'cancel ' option. the ATM machine made a processing sound and then went back to the EN home screen. I called Saturday and was transferred to at least XXXX other departments. Ultimately, i was advised that the only option was to wait 10 days as the law permits them, whereby they would credit the {$5000.00} to my account. this is very fishy. I relied on their ATM machine for every external deposit made. I was told that I have not made deposits of that size prior. I ask what does that have to do with the bank holding up my resources? I informed them that they have a responsibility to me and they are not for-filling that obligation. I also informed that the ATM machine does not have a notice advising people to 'use at your own risk '. Finally, I have attempted to deposit a 'stale dated ' check and the machine rejected it and kicked it back to me. Please help to resolve this matter. If it is determined that EN has deposited my check in an 'unknown account ' I am asking that they compensate me with triple the interested and benefits that they have acquired. Thank you, XXXX XXXX. 
",,Consent provided,Web,2015-10-16,Closed with monetary relief,Yes,No,CR1611006,2347
2015-10-16,Bank account or service,Checking account,"Account opening, closing, or management",,"Submitted CFPB complaint no. XXXX on XX/XX/XXXX, matter was resolved and the fees were refunded. This matter has happened again with the XXXX XXXX XXXX of California and Eagle National Bank. The XXXX XXXX XXXX, calculated my taxes on information provided by my ex-employer United States Postal Service and put a hold on my account with Eagle National Bank. I did my tax return and mailed it in about XX/XX/XXXX, the tax ENrd did not receive my tax return and issued a hold on my account on my account which was received by the Eagle National Bank on XX/XX/XXXX. Eagle National Bank withdrew its XXXX legal fees, {$12.00} service fees and XXXX to be sent to XXXX XXXX XXXX. On XX/XX/XXXX had to fax tax return the previous tax return that I had mailed in was not received. Spoke with XXXX XXXX from XXXX XXXX XXXX, who assured me that no legal fees would be charged because she had emailed to the bank a release. I had previously received a letter from Eagle National Bank stating the the funds would be remitted to XXXX XXXX XXXX on XX/XX/XXXX unless there was a release or court order to the contrary before that date. The funds sent to the XXXX XXXX XXXX were returned but the legal fees were not. The orders sent by the XXXX XXXX XXXX, specifically state : Retain any funds withheld for 10 business days from the date you receive this order. Eagle National Bank withheld my funds on XX/XX/XXXX which is three days after receiving the order. The letter they sent me stated they would remit the funds in 17 days after they received the order. Notify the taxpayer and any other person listed on the account or accounts that you are withholding funds according to this order and the date you will be transmitting the funds to the ( FTP ). The bank was to withheld the funds for ten days and they notified me that they would be remitting the funds in 17 days from the date they received the order. Transmit any funds withheld to us at the end of the 10 days holding period unless you received a release from us. The release was sent from XXXX XXXX XXXX on XX/XX/XXXX. Revenue and XXXX code section Code 18674 ( b ) states in part : An institution may asses the account or account of each person receiving this notice a reasonable service charge not to exceed XXXX dollars ( {$3.00} ). I am asking for a refund of {$100.00} dollars legal fee. 
",,Consent provided,Web,2015-10-16,Closed with monetary relief,Yes,No,CR1610118,2903
2015-10-16,Bank account or service,Checking account,Using a debit or ATM card,,"XX/XX/XXXX I was a victim of fraud to my checking account with Eagle National Bank. I immediately contacted the bank to freeze and close my account ; the guy informed me he would open a claim for an investigation. But could not close the account until pending transactions were cleared, I assured him I had n't made any transaction and it was possible more fraud. After receiving the letter from the bank stating that the claim was in my favor I contacted the claims department again. They assured me that the account still pending transactions and not to worry once cleared the account would be closed. I then went to open another account with the personal banker, explaining the situation to her. A few weeks later I returned to the bank and was informed by that personal banker that the old account was still open, I was angry so she and I reached out to the claims department. Only to get an attitude from a lady who told me oh well it 's my fought and there is nothing she can do for me, so the banker tried to get the lady supervisor name she refused to give the information. After 30 minutes of getting nowhere we decided to end the call and the banker said she would forward the situation to her superior and she 'd contact me. Never heard back from her, a few weeks later the fraudulent charges were now transferred into my new account. Discouraged on how the claims department treats their colleague and customers, I felt another attempt to call would be a waste of time and energy. I then cut the card up and ended my relationship with the bank! It 's now XX/XX/XXXX and I was informed by another bank I had negative activity on my XXXX report. I filed a claim, only for them to tell me that Eagle National Bank says the information is accurate on my report! So XXXX fraudulent account that was never took care of, turns into XXXX negative accounts on my report. This treatment is unfair to the customers and I 'm sure against the law and I DESERVE JUSTICE! 
",,Consent provided,Web,2015-10-16,Closed with explanation,Yes,Yes,CR1610965,4662
2015-10-16,Credit card,,Credit card protection / Debt protection,,"I asked for a Eagle National Bank Credit Card account be closed. I was assured that it was closed. A recurring charge was set up from a vendor. I do n't intend to continue with service from that vendor. Eagle National Bank reopened my account without my permission and processed a charge. I never gave them permission to do so. 
",,Consent provided,Web,2015-10-16,Closed with explanation,Yes,No,CR1610956,4778
2015-10-16,Credit card,,Late fee,,"I have a Eagle National Bank issued XXXX credit card.This card has been used monthly since 1993. Until this month, XXXX 2015, the card has always had a grace period. This month a {$25.00} late was assessed on the due date for payment. I have excellent credit and always pay in full each month. At this time, I am having a difficult time finding a major brand credit card with a 30 day grace period. 
",,Consent provided,Web,2015-10-16,Closed with monetary relief,Yes,No,CR1610911,2979
2015-10-16,Credit card,,Late fee,,"XXXX American Express credit card payment was due on XXXX XXXX, 2015. I always pay the bill electronically 3 or 4 days in advance. On XXXX XXXX, 2015 I logged in multiple times to authorize payment. The system would not let me put in a payment with a date of earlier than XXXX XXXX, 2015. I assumed this was because of the holiday and went ahead and authorized payment as early as it would let me. Now I get the bill and see that there is a {$25.00} late fee and {$35.00} interest charge on a {$1700.00} balance. I always pay in full ; I never carry a balance. If they did this to me I would assume they treated everyone who logged in on XXXX XXXX to pay their bill the same ( would n't take the payment until after the due date ). I have no other way to pay but electronic -- - I do not get a statement ; everything is on-line. So on XXXX XXXX it was not possible to pay a bill electronically with a due date of XXXX XXXX. This never happened before and I believe it is just not fair. 
",,Consent provided,Web,2015-10-19,Closed with monetary relief,Yes,No,CR1610512,96
2015-10-16,Credit card,,Other,,,,Consent not provided,Web,2015-10-16,Closed with explanation,Yes,No,CR1610871,310
2015-10-16,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-10-16,Closed with non-monetary relief,Yes,No,CR1610758,511
2015-10-16,Credit card,,Other,,,,Consent not provided,Web,2015-10-16,Closed with explanation,Yes,No,CR1610288,1647
2015-10-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-10-19,Closed with explanation,Yes,No,CR1610464,2060
2015-10-16,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-10-16,Closed with explanation,Yes,Yes,CR1610320,2316
2015-10-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Eagle National Bank has been withholding XXXX {$100000.00} of transactions in our merchant account for our business, XXXX XXXX XXXX. 

Information was requested by their risk department ( XXXX XXXX XXXX ) regarding transactions, upon which we provided XXXX verbal confirmation and faxed in invoices and customer information. 

This department continues to request information which they already possess. Examples of this would be financial information ( they are a bank ; they have all my financial records ) and business venue information XXXX they already know the address, website url, etc which was provided when establishing our account. ) This is not only borderline harassment, but they continue to withold our daily disbursements from sales. 
",,Consent provided,Web,2015-10-19,Closed with explanation,Yes,No,CR1608694,337
2015-10-15,Bank account or service,Other bank product/service,Using a debit or ATM card,,"On XX/XX/XXXX2015 I ordered, via XXXX, a XXXX article subscription of the XXXX XXXX for XXXX. This came though my XXXX account which is not my default email program which mean I do n't look at it unless necessary. 
Then on XXXX/XXXX/2015 that XXXX XXXX subscription turned into a, unbeknownst to me, {$15.00} a month subscription. This was reoccurring so before I could notice another charge incurred on XXXX XXXX, 2015. 
When I figured this out, I attempted to unsubscribe from that which I never subscribed to in the first place. The form required a user ID and password for the subscription. This I did not have because I was not a subscriber to the XXXX XXXX. Moreover, the XXXX Kindle {$1.00} payment did not required the set up of a user ID or password. That 's not the way Kindle subscriptions work. 
As a side note I should have known this was a scam because the subscription process required an email address where I submitted my XXXX address. I say this because all Kindle subscriptions come to my Kindle via XXXX Kindle account. 
I did not subscribe to the XXXX XXXX digital newspaper for {$15.00} a month. Nor have I ever subscribed to the XXXX XXXX for a monthly digital subscription. This was a bait and switch by the XXXX XXXX via XXXX Kindle. Buy a XXXX article subscription for {$1.00} that turns into a {$15.00} month subscription. 
I contacted Eagle National Bank and filed a dispute. Then Bank credited my account a total of {$31.00}. And then reversed that credit. I called the bank and they told be that was going to be taken care of and that my account would be credited for the total amount. 
Then I checked my account and the amount of {$31.00} was not credited. 
It appears to me that EN is siding with the XXXX XXXX. This is a rip off. The XXXX XXXX went through my XXXX Kindle and gave a {$1.00} offer for XXXX articles and then somewhere in the fine print ( read on a XXXX inch screen ) that {$1.00} dollar turned into a reoccurring {$15.00} charge on XXXX XXXX, 2015 adding up to a total of {$31.00}. 
",,Consent provided,Web,2015-10-15,Closed with explanation,Yes,No,CR1609522,1711
2015-10-15,Bank account or service,Checking account,Problems caused by my funds being low,,"On XXXX XXXX, 2015 I called into Eagle National Bank to stop a payment on a check that I had written because I did not have the funds in my account to cover the check. The check was created using the Bill Pay system and had not yet arrived to the merchant. The rep I spoke with entered some information and said it was done. 10 days later on XXXX XXXX, 2015 I checked my online bank account and noticed I was overdrawn XXXX because Eagle National Bank decided to not stop the check and then charged me XXXX in overdraft fees. As the time as progress Eagle National Bank is still charging me overdraft fees even though I made a deposit of XXXX to cover my fees. After making a deposit my account was XXXX. The very next day on XXXX XXXX, 2015 I was charged another XXXX because my account was overdrawn XXXX. 
",,Consent provided,Web,2015-10-15,Closed with monetary relief,Yes,Yes,CR1608025,516
2015-10-15,Credit card,,Closing/Cancelling account,,"I received a past due notice on an account that was closed many months ago, perhaps it was even a year or more ago, I do n't remember exactly. Apparently even though the account was closed, Eagle National Bank agreed to honor a charge this summer from XXXX 's List. According to Eagle National Bank, it is impossible for me to close my account in such a way to guarantee that future attempts to bill me will not occur. This is unacceptable. I know from my own personal prior experience, they can set up their computers to reject future charges to a credit card that is expired. Obviously that 's what they do when they suspect a credit card has been stolen. But BofA is telling me its impossible to really close my account. Or they are telling me that "" closing my account '' does n't mean reject all future charges. This is crazy. It should not be impossible to close an account and request that all future billings to said closed account be rejected. 
",,Consent provided,Web,2015-10-15,Closed with monetary relief,Yes,No,CR1609472,3488
2015-10-15,Credit card,,Closing/Cancelling account,,"I was issued a Credit Card from Eagle National Bank in 2013. I have been making payments each month. I hardly make purchases on this card, due to I only wanted it for emergency reasons. I made a purchase the other day. and it was declined. I called the Credit Card Compnay, and was told my account was closed. I never received a noticed of this closesure, and they proceeded to tell me a noticed was sent out. As I looked over notices that I did not know were available on my online account. All noticed were statements, and not one indicated they were closing my account. I am really upset with this company, I have banked with them for many years, and this is how they treat me as a long time customer. 
",,Consent provided,Web,2015-10-15,Closed with explanation,Yes,No,CR1608504,3352
2015-10-15,Credit card,,Credit line increase/decrease,,"The problem relates to a Eagle National Bank XXXX EN XXXX Credit card credit limit decrease, I have been a customer for 19 years. The credit card had a credit limit of {$21000.00} on XXXX a payment of {$6500.00} was made against the account. The minimum payment due on the card at that time was {$230.00}. However by paying in the {$6500.00} the intent was to pay my property taxes with the card, taxes were due on XXXX for {$5500.00}. However on XXXX Eagle National Bank elected to reduce my credit limit without informing me to {$16000.00} a reduction of {$5200.00} on the credit limit based on my most recent credit report. Finding myself in the very unfortunate position of being unemployed for the past few months, this is the first time I have been unemployed in 19 years. This unilateral action by Eagle National Bank has caused a major problem with our home finances. Having very carefully budgeted the monies we have available, we would never have paid the money XXXX {$6500.00} XXXX into the credit card if we had known the bank was going to take it away by decreasing the credit limit without even having the courtesy of calling us. So when trying to use the credit card on Sunday XXXX for dinner the card was declined. Knowing I had just made a large payment into the credit card on XXXX I was very surprised and called EN as soon as I got home. Only to be informed by customer service that the bank had reviewed my account and reduced the credit limit and I should call back on Monday morning when there was someone to talk to at the Bank. 
When I asked EN customers service why I had not been informed about the change, I was told the Bank had sent a letter in the mail. Most of my communication and interface with Eagle National Bank is via the on-line banking software, and there was no mention of this in the communication in the on-line section of the credit card. The formal letter of the credit limit decrease arrived on XXXX in the mail, still no mention in the on-line banking message area. As mentioned before I have been a EN customer for 19 years and have many different products from EN. Checking account, Savings, Mortgage, Home Equity and Credit Card. So frankly I was very surprised and felt disappointed and betrayed that a huge and powerful Bank like EN can unilaterally make a decision like this that profoundly impacts a loyal customer that is struggling. Maybe they consider themselves to be above the law, frankly this type of underwriting behavior is predatory and self serving in the banking business, and should not be allowed. 

Please feel free to publish this bad banking experience at Eagle National Bank, so people can understand that customer loyalty is not appreciated at Eagle National Bank. All they want are the deposits and fees the people are less important. This is why the regulators should breakup the big banks, basically no customer service and no communication other than XXXX numbers with faceless people or letters in the mail. 
",,Consent provided,Web,2015-10-19,Closed with explanation,Yes,No,CR1608151,4578
2015-10-15,Credit card,,Other,,"I was issued a credit card XX/XX/XXXX through Target Financial services. On my credit report, target is reporting that the date of last payment is XX/XX/XXXX. They are also reporting that my date of XXXX delinquency is XX/XX/XXXX to XXXX and XXXX to XXXX. XXXX merely reports that the account was charged off XX/XX/XXXX. My contention is that if the date of my last payment was XX/XX/XXXX, then my 1st date of delinquency should be XX/XX/XXXX, not XX/XX/XXXX with XXXX and XX/XX/XXXX with XXXX. I have disputed this account multiple times and Target Financial has validated the information several times with each credit reporting agency. This account is being reported directly to the XXXX credit reporting agencies, and not through a factoring company. Contact directly with the creditor is difficult as the account is closed. 
",,Consent provided,Web,2015-10-20,Closed with explanation,Yes,Yes,CR1608813,4350
2015-10-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-10-19,Closed with explanation,Yes,No,CR1607920,105
2015-10-15,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-10-15,Closed with monetary relief,Yes,No,CR1607967,3975
2015-10-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"On XXXX XXXX, 2015 I went to the Eagle National Bank located at XXXX XXXX in XXXX Georgia to put some items into my safe deposit box. After the confusion of the procedure for customers to follow to gain access into their safe deposit box ended, I was asked for my box number so they could provide access. Since I could not recall my safe deposit box number they had to look it up in their files. When the representative went to the location of where they keep the files for the safe deposit boxes my file was conspicuously absent. It was later determined that the represent that opened the safe deposit box had it in his possession. Why would a representative have a file in his possession preventing other employees of Eagle National Bank from accessing it out of a legitimate need to do so? My safe deposit box was opened approximately three XXXX 3 XXXX weeks ago so it should have been placed in its central file location so that all representatives of Eagle National Bank employees would have access to it if it were needed. Is there a legitimate reason for the Eagle National Bank to keep my safe deposit box file in his immediately possession? Once they were able to find the location of my safe deposit box, my key did not work. It turns out that my contract says that I have safe deposit box XXXX but I was given a key to safe deposit box XXXX XXXX. When I opened the safe deposit box and placed my initial items in the box, they were placed in safe deposit box XXXX. I do not believe that this could have been done accidentally. All of the representatives that placed my key inside of safe deposit box XXXX told me that it did not go to that box and noted that the key was not going completely inside the safe deposit box. When I placed the key inside the safe deposit box it went in just fine and the safe deposit box XXXX opened. It would seem as if the Eagle National Bank employees that assisted me in gaining access to my safe deposit box were actually attempting to keep me out of it. I have enclosed a copy of my safe deposit contract as well as the sleeve that contained the keys to the safe deposit box I was given that differed from the assigned safe deposit box on the contract. You have CRIMINALS in your midst as this is not the first incident I have had with Eagle National Bank. I can only assume that you are not one of them, so my question becomes what are you going to do about it? 
",,Consent provided,Web,2015-10-14,Closed with explanation,Yes,No,CR1606955,11329
2015-10-14,Credit card,,Advertising and marketing,,"I am a credit card customer of Eagle National Bank ( EN ). In XX/XX/XXXX, EN sent me a letter with a promotional offer on balance transfers and a sheet of "" Access Checks. '' The promotion was described as a 0.0 % APR on balance transfers through a certain date. At the end of the promotional period, the APR would change to my regular APR of 15.99 %. I used one of the "" Access Checks '' to pay off the balance of a credit card with XXXX XXXX XXXX. When I have done balance transfers in the past, similar "" Access Checks '' have been provided for the purpose of completing the balance transfer. I expected this to be no different. After the transaction was processed, it appeared on my EN statement as a "" Direct Deposit and Check Cash Advance, '' which consequently carries an interest rate of 21.99 % after the promotional period. I bank online and rarely look at the statement details, so it was two months before I noticed this discrepancy. I immediately contacted EN Cardmember Services to inquire as to why the interest rate on this transaction is higher than the rate advertised in the promotional offer letter. The explanation offered was that the check could be used for anything so they carry a higher interest rate. The examples given were deposits into other personal accounts or payments to other people. However, that is not how I used the check. It is even noted on my monthly statement that the check went to XXXX XXXX XXXX for payment on a consumer credit card. Since I clearly used the "" Access Check '' for a balance transfer, I then asked : If EN has record of where the check went and can confirm that it was used to transfer a balance, would EN be able to redesignate the transaction as a balance transfer under the promotion? The representative said no, she would not recategorize. The only ways to do a balance transfer and get the promotional terms in the offer letter were to either ( a ) call EN directly or ( b ) complete an online balance transfer. This was new information to me. The agent further stated that the different terms of the check were printed on the check. I saw no such terms. If I had, I would not have used it. I would have done an online balance transfer. I asked to speak to a supervisor. After being left on hold for more than XXXX minutes, the EN agent came back on the phone and said that the supervisor was on another call. I offered to wait. She said he would be on another call all day and would call me back within XXXX hours. 
This is unacceptable for several reasons:1 ) It is a predatory practice to offer one set of terms and deliver another once the consumer has acted in reliance on the offer. 
2 ) If these secondary terms ( 21.99 % rate on "" Access Checks '' regardless of the use ) were indeed printed on the check, they were not conspicuous enough to grab attention and inform the consumer of the different terms. 
3 ) When the consumer requested a conversation with a supervisor who has authority to make decisions, EN 's Cardmember Services supervisor refused to take the call in an attempt to shut down a valid complaint on a predatory practice. 

I will hire an attorney and file legal action if EN does not resolve this issue in a timely manner. 
",,Consent provided,Web,2015-10-14,Closed with non-monetary relief,Yes,No,CR1605792,3281
2015-10-14,Bank account or service,Checking account,"Account opening, closing, or management",,"I have been trying to close my account and the bank wo n't let me because they said that my account has to be {$0.00}. I wanted them to either send me the money back ( in form of a check ), or send me a bill for whatever amount is due. Because the account is not closed, automatic debits keep hitting the account and continuing to charge me fees. My point is that it 's a bank. Either send me a check for the amount in the account, or bill me. But I want the account closed. 
",,Consent provided,Web,2015-10-14,Closed with monetary relief,Yes,No,CR1605734,3854
2015-10-14,Credit card,,Transaction issue,,,,Consent not provided,Web,2015-10-14,Closed with monetary relief,Yes,No,CR1605663,1526
2015-10-14,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2015-10-14,Closed with non-monetary relief,Yes,No,CR1605634,9
2015-10-14,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2015-10-14,Closed with explanation,Yes,No,CR1606932,798
2015-10-14,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-10-14,Closed with explanation,Yes,No,CR1607720,4779
2015-10-14,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-10-14,Closed with non-monetary relief,Yes,No,CR1605748,4727
2015-10-13,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank closes an XXXX years old checking account that has impeccable records, based on "" business decision '' without giving any specifics. The closure leads to closures of XXXX credit cards issued by Eagle National Bank. Earned rewards are confiscated, pending rewards are forfeited. XXXX credit cards are in good standing through all their histories. 
Please see attached write up of the complaint. 
",Older American,Consent provided,Web,2015-10-13,Closed with explanation,Yes,No,CR1604958,905
2015-10-13,Credit card,,Closing/Cancelling account,,"Eagle National Bank closes an 18 years old checking account that has an impeccable record for its entire history. Eagle National Bank cites "" business decision '' .without giving any specifics. The closure of the checking account has led to the closures of XXXX credit cards issued by Bank America. All Earned rewards are confiscated and Pending rewards are forfeited. 
Please see attached write up for the details of the complaint. 
",Older American,Consent provided,Web,2015-10-13,Closed with explanation,Yes,No,CR1604959,2567
2015-10-13,Credit card,,Other fee,,"Dear Sir or MadamThis is with regard to XXXX credit cards that I have with the Eagle National Bank. They are on behalf of XXXX. 
A number of times in the past eighteen months I was charged a {$1.00} fee for reasons I do not understand. Each time when I called, an agent removed them. When I questioned what the fee was for, I was told it was because I had a credit and I had not used the card that month. This is absolute nonsense! 

I pay a yearly fee for the card. There is no requirement that I use the credit cards at any time. Yet, one can see in the attached XXXX bills, Eagle National Bank charged me a {$1.00} fee for each of the cards. Payments were not made late. There is no explanation as to why a fee was charged. 
I am wondering if Eagle National Bank is charging a fee to other customers without justification. I believe this matter should be looked into. 

I awat your reply. Thank you. 
",Older American,Consent provided,Web,2015-10-13,Closed with explanation,Yes,No,CR1603319,1220
2015-10-13,Credit card,,Identity theft / Fraud / Embezzlement,,"I am a victim of identity theft, I have filed a police report, I have an affidavit, someone opened an account with Eagle National Bank USA/Target without my knowledge or consent, I have forwarded all this information numerous times to the creditor and I am being ignored, this account does NOT belong to me! and needs to be removed. 
",,Consent provided,Web,2015-10-13,Closed with non-monetary relief,Yes,Yes,CR1604095,1051
2015-10-13,Credit card,,Billing statement,,,,Consent not provided,Web,2015-10-13,Closed with explanation,Yes,Yes,CR1604971,3461
2015-10-13,Credit card,,Other fee,,,,Consent not provided,Web,2015-10-13,Closed with non-monetary relief,Yes,No,CR1604625,643
2015-10-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-10-13,Closed with explanation,Yes,Yes,CR1603316,2767
2015-10-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-10-13,Closed with explanation,Yes,No,CR1604647,2238
2015-10-13,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-10-16,Closed with explanation,Yes,Yes,CR1603249,2814
2015-10-12,Bank account or service,Checking account,"Account opening, closing, or management",,"bank or credit union must give you at least 30 days ' notice before adding a new fee or increasing an existing fee. after I paid off my mortgage with Eagle National Bank, my bank started charging me for my checking account {$25.00} per month without notice for 3 months. as I asked for refund, the rejected my request. Please review that chat session when I tried to get my money aback and the BA representative refused to do so. 
",,Consent provided,Web,2015-10-12,Closed with monetary relief,Yes,No,CR1603079,2980
2015-10-12,Bank account or service,Checking account,Problems caused by my funds being low,,"I keep receiving overdraft fees for charges I ca n't see until the next day. Usually when charge something on my debit card I can see it under available balance and when the charge is done processing I can see it under account balance history also. If I do n't have sufficient funds my card is rejected. With reoccurring charges I am not able to see them as processing in my available balance and can not see them in my account balance history until the next day ( because my account balance history can only show me what I have been charged at the end of the day the next day and not what I will be charged since it is a history of my account balance. ) For example, on XXXX XXXX I checked my account balance and it showed up as positive with no pending charges. Then, on XXXX XXXX I checked my available balance again and it was negative with an overdraft charge. My account history showed that I had been charged on the XXXX but only showed that on the XXXX. Eagle National Bank policy is that if I overdraft I have until XXXX EST to make a cash deposit so that I will not be charged an overdraft fee. How can I know if there is going to be an overdraft fee and deposit money if I ca n't see it until the next day? This has happened to me XXXX times and I was able to get XXXX of the overdraft fees waived. When I tried to have them waived again I was met with complete refusal. I can not afford to pay these overdraft charges as I am currently unemployed. I have asked to opt out of overdraft protection. I have asked to have warnings and emails sent to me when I overdraft but nothing in their system is helping me and I 'm either not receiving emails or they are sent days later. 
",,Consent provided,Web,2015-10-12,Closed with monetary relief,Yes,No,CR1602987,3393
2015-10-12,Bank account or service,Checking account,"Account opening, closing, or management",,"If you close a Eagle National Bank checking account, and had paperless statements, you loose access to all your records for that account. 
",,Consent provided,Web,2015-10-12,Closed with explanation,Yes,No,CR1602943,671
2015-10-12,Bank account or service,Checking account,Problems caused by my funds being low,,"They keep charging me over draft fee and matiences fee when I use my account for direct deposit told them I lost my card but still charge my account then say wellyou cant close it because of a balances well you have to pay it. instead of crediting all my money they credit what they think I should have. 
",,Consent provided,Web,2015-10-12,Closed with explanation,Yes,No,CR1602763,3968
2015-10-12,Credit card,,Identity theft / Fraud / Embezzlement,,"I have been trying resolve an issue with B of A since XXXX XXXX, 2015. My frustration with B of A is that I am never able to speak with the same person twice. I am transferred from XXXX department to another. This is a case of fraud but the local Police Department is understaffed and therefore very slow to act. On XXXX XXXX, 2015 I sent a letter to B of A, Executive Relations, in Delaware. To date I have not heard from them. I am XXXX and my husband is XXXX. We live on our XXXX and XXXX Pension. B of A is trying to hole us responsible for {$16000.00} in Credit Card charges we did not make. I have copies of all of the letter to B o A. Anything you could do to help me would be greatly appreciated. 
","Older American, Servicemember",Consent provided,Web,2015-10-12,Closed with explanation,Yes,No,CR1602887,180
2015-10-12,Credit card,,Advertising and marketing,,"i tried to open a complaint or dispute a charge on my credit card and received no help from my credit card.i was litterly scammed out of XXXX from a company that called itself XXXX.the services they promised were never provided and that is why i turned to my bank for help.i thought elderly people were supposed to be protected from fraud. 
",,Consent provided,Web,2015-10-12,Closed with explanation,Yes,Yes,CR1602953,1091
2015-10-12,Credit card,,Delinquent account,,"In XXXX of 2013, I reported to Eagle National Bank unauthorized and fraudulent uses of my credit card. I filled out paperwork ( I have copies of everything ) and they credited my account for the initial amount. 
I told them to close my account. They did not. Subsequent month, charges of {$5000.00} from the same source were charged to my account. Given the report of fraudulent uses, they should not have allowed those charges. They are now pursuing collection of these amounts in small claims court. 
",,Consent provided,Web,2015-10-12,Closed with explanation,Yes,No,CR1603008,8615
2015-10-12,Credit card,,Identity theft / Fraud / Embezzlement,,"While on vacation in XXXX my Eagle National Bank credit card was lost/stolen ( out of my possession without my knowledge and used without my permission ). As soon as I realized the card was not in my possession I reported it lost according to expected protocol. A fraudulent XXXX account was set up on the thief 's phone using their own thumb print and my credit card to set up Touch ID while out of my possession due to what I believe are perilously lax verification processes set up by the card issuer. Multiple fraudulent transactions were made using my card ( possibly using magnetic card swipe, or XXXX, I do n't know because Eagle National Bank wont tell me ) I was rapidly reimbursed by the card issuer for all transactions EXCEPT the XXXX transactions made in the XXXX totaling nearly XXXX XXXX dollars. 
My Card issuer has closed the case, stating that I am liable for the charges, which have been transferred to my new card. It is my belief that XXXX have refused to reimburse my card issuer, ( for obvious reasons to protect the infallible image of their new digital pay method ) and consequently Eagle National Bank have refused to reimburse me. Their decision is not based on fact, truth or lack of trust in me, it is simply based on a bottom line, business model of profit above all. I base my belief on the many media articles I have read, published in 2015, reporting exactly this sort of fraud, which is damaging XXXX XXXX, credit card reputations and has seen a spike in credit card fraud from the expected 0.19 % to about 6 %. 
Despite numerous requests, personally and through a Eagle National Bank representative, to open a new investigation and to use my evidence to prove that I was not in the XXXX XXXX at the time of the purchase this case is still closed and unresolved. Evidence in my defense has not be asked for / disregarded by Eagle National Bank. 'Evidence ' offered by Eagle National Bank has been spurious and unrelated to the real facts of the case that relate to DIGITAL fraud. The bank therefore must demonstrate that they understand the processes by which digital fraud can take place and take financial responsibility for such fraud as a result of their negligently weak safeguards which resulted in an enormous breech of security on my credit card account. 
",,Consent provided,Web,2015-10-12,Closed with monetary relief,Yes,No,CR1602857,1930
2015-10-12,Bank account or service,Checking account,Deposits and withdrawals,,"I opened a business checking account with Eagle National Bank on XXXX XXXX, 2015 with an initial balance of {$200.00}. On XXXX XXXX, 2015, an ACH deposit was made to my account in the amount of {$12000.00}. On XXXX XXXX, 2015 I wrote a check ( using XXXX of the starter checks that Eagle National Bank provided me when I opened the account ) from the account in the amount of {$5600.00} and deposited it to my personal savings account at XXXX XXXX XXXX XXXX to reimburse myself for business expenses. The check was not honored and was returned to me, and I was charged a {$30.00} return check fee. There were sufficient funds in my Eagle National Bank checking account to cover the check, and there was no reason for Eagle National Bank not to have honored the check. 
On XXXX XXXX, 2015, Eagle National Bank assessed my account a maintenance fee of {$25.00}. This was interesting because when I opened the account on XXXX XXXX, I was told by XXXX XXXX XXXX who opened the account for me at the XXXX, VA branch XXXX that as long as I maintained a balance of at least {$1500.00} that the fee would be waived, and that the minimum balance requirement was waived for the first two months that my account was open. On XXXX XXXX, {$12000.00} were deposited to the account. This was well within the two month timeframe stipulated. Additionally, from XXXX XXXX onward, my balance did not go below {$1500.00} until I closed the account. 
Because of the items described above, on XXXX XXXX, 2015 I went in to the XXXX branch and closed my account. Before I closed the account, I checked the account information in online banking and saw that the last pending item, ( which was an online bill payment to XXXX XXXX in the amount of {$1500.00} XXXX had cleared my account and no longer showed as "" pending ''. When I was at the branch closing the account, I specifically asked the teller if she was showing anything in the account in a "" pending '' status, and she indicated that she did not. In addition, my XXXX XXXX account showed a credit posted to the account on XXXX XXXX, 2015 in the amount of {$1500.00}, which was the online bill pay transaction. On XXXX XXXX, 2015, I received an email and a phone call from XXXX XXXX indicating that the {$1500.00} payment from Eagle National Bank had been returned. I immediately called Eagle National Bank 's customer service number to find out what happened. The customer service representative initially told me that she had no idea what I was talking about and that she reviewed my account and did n't see any record of a payment to XXXX XXXX and did n't show me having a balance of {$1500.00}. It took roughly a half hour and lots of time spent on hold while she looked into it further and concluded that Eagle National Bank did not process the payment because I closed my account. She said that she did not know where the {$1500.00} was and that I needed to go in to my local branch to get the issue resolved because my account was showing a {$0.00} balance. A little while later that day I went to the XXXX branch and spoke with XXXX XXXX. She looked at my account and similarly could n't figure out what had happened and did not know how to go about getting my {$1500.00} back. She made a call to another office, and apparently they told her that she needed to send an email to central processing to request that they send me a check. XXXX indicated that she would follow up with me by the next day to let me know the status of my reimbursement for the {$1500.00}. I never heard anything back from XXXX. I still have not received the {$1500.00}. I have not been contacted by Eagle National Bank at all over the course of this issue. Additionally, because of the returned payment, XXXX XXXX charged me a returned payment fee of {$27.00}, and I incurred interest charges in the amount of {$57.00} because the returned payment resulted in my account carrying a past due balance. 
",,Consent provided,Web,2015-10-15,Closed with monetary relief,Yes,No,CR1603188,2335
2015-10-12,Bank account or service,Checking account,Problems caused by my funds being low,,"I over drafted my account but was charged overdraft fees for two consecutive days. 
I called on the first day and was told what items were subject to the fees. 
Then when I called they tried to double talk me. I 'm not stupid. I think this may have happened before. 
",,Consent provided,Web,2015-10-12,Closed with explanation,Yes,No,CR1602846,3681
2015-10-12,Credit card,,Late fee,,"I made my credit card payment on a Saturday XXXX the day it was due. I was assessed a late fee for the payment. I contacted the credit card company-target, they said the payment was due by XXXX central time. I made the payment at XXXX ( my time which is mountain time ). My understanding is that payments made on weekends, holidays etc are not 'late ' according to the new credit card protection laws. 
Last month my payment did not go through electronically, although I had a confirmation number-target issued a refund for that late fee due to the electronic mixup but that set me up for not having my late fee waived again for customer service issues. 
Target then suggested I could have made the payment via phone, if a phone payment is not late then an electronic payment should not be late either. My bank is still closed on weekends. 
",,Consent provided,Web,2015-10-12,Closed with explanation,Yes,No,CR1603001,5212
2015-10-12,Credit card,,APR or interest rate,,,,Consent not provided,Web,2015-10-12,Closed with non-monetary relief,Yes,No,CR1602947,1764
2015-10-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-10-14,Closed with non-monetary relief,Yes,No,CR1602784,7390
2015-10-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-10-11,Closed with explanation,Yes,No,CR1602585,3137
2015-10-11,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,Servicemember,Other,Web,2015-10-14,Closed with explanation,Yes,No,CR1602595,2050
2015-10-10,Bank account or service,Checking account,Problems caused by my funds being low,,"Received more than XXXX overdraft fee in XXXX day for different transactions 
",,Consent provided,Web,2015-10-10,Closed with monetary relief,Yes,No,CR1602358,723
2015-10-10,Credit card,,APR or interest rate,,"I am a customer of Eagle National Bank. I have XXXX separate credit cards. Back in XXXX I was in need of cash and was checking interest rates and fees with each of my credit cards for cash advances. I chatted with XXXX different Eagle National Bank agents before I did the cash advances and I asked some simple questions : "" What is the interest rate for a cash advance? Is there a transaction fee? What is the fee? What methods can I use to get the cash ( bank, atm, direct deposit )? 

At that time, XXXX agents I chatted with informed me that I would be a charged a very large fee of 5 % but they told me I would get a 0 % promotional interest rate until XX/XX/XXXX. Based on this information I went ahead with the XXXX cash advances totaling {$11000.00}. I was charged the 5 % fee as expected however when I got my next statements I was charged a very large amount of interest. I contacted Eagle National Bank and the first agent denied my request to have the interest refunded. They said they needed proof that I was promised a 0 % APR that can be used at a bank or atm. I was accused of lying and was told that there was no way they told me they would give me 0 % for a cash advance. I did n't save those chat logs. 

Due to this, I did an experiment last Tuesday ( XX/XX/XXXX ) and I went online and enacted a total of XXXX chats with Eagle National Bank through your website. The first chat I was n't provided any information and I saved the subsequent XXXX chats. Of those XXXX chats, only XXXX agent could answer my questions correctly. XXXX of the XXXX agents gave me incorrect information. XXXX of the agents informed me that I could get the 0 % APR with a cash advance through a bank teller or atm. XXXX agent told me I could get a 5 % interest rate with a {$10.00} FIXED fee. 

This was very alarming to me and I was hurt by misinformation given to me by Eagle National Bank. I am sure many other customers have also been hurt by being given misinformation. My goal is to make sure no other customers are hurt by agents giving them incorrect information like offering a 0 % interest rate when the actual rate is 24.99 %. 
",,Consent provided,Web,2015-10-10,Closed with monetary relief,Yes,No,CR1602232,3689
2015-10-10,Credit card,,Late fee,,"I have been making payments with an external checking account through the issuer 's website or third-party bill pay service to my credit card. Unknown to me, I was not able to make payments after I opened a checking account with the issuer, which there was no sign or warning that the service has been redesigned. I ended up calling the issuer to make a phone payment, which was considered late due to time zone difference. 
",,Consent provided,Web,2015-10-10,Closed with monetary relief,Yes,No,CR1602254,3611
2015-10-10,Credit card,,APR or interest rate,,"I have had an credit card account from 2003. After I have obtained my credit card account the original bank of XXXX was merged into Eagle National Bank. Prior to that occurrence, I was late on a payment which I was penalized with a rate increase. This was over 10 years ago. I am current paying a rate of 26.24 %, and have been for over ten years. I have made on time payment every since that late payment, over 10 years ago. I have attempted to get an interest rate reduction, but informed there is nothing available for me. I believe that is absurd. I ca n't be provided any reason as to why that is. This is unfair, I have been making payments where approximately XXXX % goes to Eagle National Bank. I would have never chosen in the first place to get a Eagle National Bank credit card, as I have disliked their services for years ; and this is a perfect example why I dislike Eagle National Bank. EN has needs to reanalyze how they do business and how and by whom their decisions are being made when involving their clients/customers, as it is them that keep them in business. There is not need to take advantage. 
",,Consent provided,Web,2015-10-10,Closed with monetary relief,Yes,No,CR1602291,4296
2015-10-10,Credit card,,Billing disputes,,"I was approved for a Eagle National Bank credit card in XXXX of 2015. My credit card was compromised with fraudulent charges and I disputed these charges with Eagle National Bank. They closed my account and conducted an investigation of these charges and after their review I was informed that the charges were deemed fraudulent and credits for these charges would be credited back to my account. The credits were added back to my account but my account remained closed. I contacted Eagle National Bank about my account still being closed after the investigation was completed and now I have been informed that the credits for the fraudulent charges have been reversed. I have been dealing with this issue since XXXX and this issue is yet to be resolved. I have spoken to several different people from Eagle National Bank concerning this matter and every person has different information and is telling me different things about the same problem. There seems to be little or no communication between departments within this company. This has been very frustrating and this account is currently damaging my credit report. I would like to have this account resolved and all negative information being reported corrected properly. 
",,Consent provided,Web,2015-10-10,Closed with explanation,Yes,No,CR1602138,3948
2015-10-10,Credit card,,Transaction issue,,"On XXXX XXXX, 2015, I was charged XXXX at a XXXX Gas Station located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The following is a brief summary of the incident. 

While I was pumping gas, the station attendant, XXXX, came outside and told me that there was some kind of mix-up with the payment for my gas. Although I had already swiped my credit card at the pump, XXXX told me that another customer had mistakenly paid for {$50.00} at the pump that I was using. He then told me that I needed to pay inside. Believing his story, I went inside the store and approved a charge of {$50.00} to my credit card. As I was about to drive away, XXXX came back outside and said there was still some mix-up but he assured me that I would not be charged XXXX. 

When I later found out that I was charged XXXX, I disputed the charges with my bank ( Eagle National Bank ). However, XXXX XXXX XXXX, a credit card processing service, denied my claim without even contacting the vendor, alleging that I had XXXX cars. That is not true. I later contacted Eagle National Bank and asked to appeal the denial of my claim. I was informed that there is no appeal process and their decision is final. 
",,Consent provided,Web,2015-10-10,Closed with monetary relief,Yes,No,CR1602338,1944
2015-10-10,Credit card,,Late fee,,"I accidentally signed up for a Target Redcard ( store charge card through Target ) at the checkout counter at the Target store near me on XXXX XXXX. I thought I was signing up for the Target card that works like a debit card and debits amounts from my checking account. I realized my mistake on XXXX XXXX when I went to use my card at the store and they told me it was a credit card. I made a payment that day and told them I wanted my account closed. I started getting bills in the mail but thought my account was paid off and closed, so I did n't open them for a few months. I actually opened my XXXX bill and found out I had been charged XXXX late fees for a total of {$60.00}. I set up my online account and paid {$35.00}. I called Target ( XXXX ) the next day on XXXX and explained that I did n't want the card in the first place and felt I had been given it against my wishes. I asked for the late fees to be removed. They did not remove the late fees. They did close my account -- it had n't been actually closed, even though I told the store I did n't want the card when I made the in-store payment. I did not know what to do next, so I waited a few days. I called Target again on XXXX. I explained to the representative that I did not have the resources to pay off the {$52.00} that was due by XXXX, according to the website. I asked if I could work out a payment arrangement. We worked out an arrangement where I paid {$17.00} that day and agreed to have {$38.00} debited from my bank account on XXXX, which was the date of my next paycheck. I remember that the amounts I paid were chosen by the representative -- I would have preferred to pay {$30.00} on XXXX -- but I suggested the XXXX date for the XXXX payment. I may not be remembering that fact correctly. I asked and confirmed with the representative how this would leave my account. The representative confirmed that this would bring my balance from {$90.00} that day to about {$35.00}, and that I would be able to pay that remaining {$35.00} before XXXX, during the normal billing cycle. The representative did not say anything about any other late charges -- I assumed that the entire reason for setting up the payment arrangement was to avoid any more fees or action. The {$17.00} and {$38.00} were debited from my account as scheduled, but I was charged another late fee of {$35.00} on XXXX. I called Target on XXXX to explain what the representative had told me before and ask for the late fee from XXXX to be removed -- after all, at this point, I had paid {$90.00} in 22 days, paying down almost all my balance. My payment behavior did not seem to warrant another late fee. The representative on XXXX informed me I had not paid what I was supposed to by XXXX, so I incurred a late fee. He also informed me he could n't remove this late fee, since I had gone 2 months without making any payments. They will not forgive late fees unless the customer has had 12 months without missing a payment. I have now paid {$90.00} to Target for an account I did n't want in the first place and I am basically back where I started. I just want my account paid off and closed, and I am trying to do that, but Target is making that very difficult by adding late fees, seemingly to prolong endlessly my indebtedness to them. 
",,Consent provided,Web,2015-10-10,Closed with monetary relief,Yes,No,CR1602161,368
2015-10-10,Credit card,,Delinquent account,,"I set up auto pmt on my account by filling in a form with my name and address and attaching a voided check from my bank. The scheduled auto pmt did not go through -- I was charged interest because my payment was denied by ACH -- NOT by my bank. My bank researched the problem and said that ACH denied the payment. I called the cc company and they said it was my fautl -- I must have filled in the form wrong. I submitted a second form and to prevent the same thing happening I paid my account through the online payment feature. I had used it once before with no problems. The website said the payment was accepted. I got a confirmation email also. XXXX weeks later my credit card was declined. I called the cc company and they said they did n't get the payment and I needed to pay the minimum amount. I told them to check on their side. Why would n't the online payment go through this time when I had used it successfully before? The customer service rep said she could n't do anything and that her supervisor would be researching the problem. Also, she could n't explain why they did n't contact me via email or telephone when the payment did n't go through and they put my card on hold. Its been one week and I have not heard anything back from them. I continued to try to make payments using the online method and finally I was able to get XXXX to go through. I am closing this account, but I told them I wanted all interest and late fees back since it was their problem my payments were n't getting through. Also, I wanted my credit report to show I was not late. 
",,Consent provided,Web,2015-10-14,Closed with monetary relief,Yes,No,CR1602206,4210
2015-10-10,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-10-10,Closed with non-monetary relief,Yes,No,CR1602168,758
2015-10-09,Bank account or service,Checking account,Deposits and withdrawals,,"I have been a victim of identity theft and have filed reports with local law enforcement as well as the FTC. In relation to this identity theft, I have submitted fraud claims with Eagle National Bank for unauthorized funds that were taken from my business accounts. Eagle National Bank has refused to honor these claims in light of the aforementioned identity theft, even though the funds are FDIC insured. 
",,Consent provided,Web,2015-10-09,Closed with explanation,Yes,No,CR1601021,4259
2015-10-09,Bank account or service,Checking account,Using a debit or ATM card,,"My XXXX, FL, Eagle National Bank checking account had {$1200.00} withdrawn in XXXX {$600.00} amounts on XX/XX/XXXX. XXXX more attempts to withdraw identical amounts were stopped by the bank. The bank called me and asked if the withdrawals were mine. I said no. Their fraud department reference # is ... ... ... .. 
XXXX XXXX, I opened a new account ( XXXX ) at the same bank and the old account was closed. A police report ( ... ... ... ... ) was made at the XXXX Sheriff 's Office, District XXXX, XXXX County Florida, FTC notified, XXXX credit bureaus notified and 90 day freeze added to accounts, US Postal Inspector notified. 
The bank had sent a replacement ATM card to an address other than mine on XXXX XXXX and my account was charged {$5.00} which I did not notice until XXXX XXXX. That charge was removed from the account and ultimately the {$1200.00} was returned making me whole financially. 
Since the bank records all telephone calls re : replacements, I asked their fraud department for details, such as information that the bank requested in order to send to another address, but was told that only the police could get access to that information. My interest was in knowing what personal information the thief had to enable him and her ( there were XXXX individuals involved ) to get the card so that I could take whatever additional steps were necessary to prevent further attacks. I am still interested in that information. The police said they seldom followed up because it was generally a waste of their time... 
Background Information : Ironically an article on ATM thefts at other BofAs in the area had appeared in the XXXX XXXX XXXX XXXX where card readers were suspected. I had opened my BofA account in XX/XX/XXXX and had never used the ATM card except at the branch where it had been opened - and only for cash withdrawals of {$100.00} or less. I do not and never have used a debit card for purchases. My address has remained the same for the past 28 years and so my initial suspicion was that a reader card had been on the local branch ATM. When asked they said they checked it every morning only. 
I really have no complaint with the bank other than that they sent a replacement card to another person at another address and the only notification I had was the {$5.00} charge followed by the attempted thefts. 
It seems to me there should be a better way of covering potential thefts when replacement ATM cards are mailed to other than the regular address - either a written notification or telephone call in addition to email. 
",Older American,Consent provided,Web,2015-10-09,Closed with explanation,Yes,No,CR1600753,4405
2015-10-09,Bank account or service,Checking account,Deposits and withdrawals,,"XXXX I deposited XXXX checks via mobile banking from the same person - {$250.00} and {$1300.00} ( rent ). 
On XXXX, there was a reversal on the {$1300.00} deposit - which I was not aware of. Therewas no notice via mail/email/text - NOTHING. 
On XXXX, I found out about the reversal only by chance to review my account. 
I called, no one can figure out what happened. Only after I called, the bank sent a letter. 
On XXXX, received the letter. stating that the check was refused due to "" duplicate presentment ''. I immediately confronted the person writing the check, she showed meon her mobile banking that the check cleared and check copy was identical to whatI have on hand and no money was being deposited back into her account. 
I communicated this to Eagle National Bank and they kept insisting that they did not get paid, therefore they are not putting the fund back into my account. They told me to get theother institution to provide backup showing proof that they paid Eagle National Bank. 
On XXXX, I received a backup ( attached ) and faxed it over to Eagle National Bank. 
The other institution ( XXXX XXXX XXXX ) stated that they paid Eagle National Bank andthe backup provide a trace number that Eagle National Bank would be able to track. 

I had been calling every few days since XXXX, but nothing came out of this other than, '' get the other institution to prove to us that they paid us. "" I could not get anyone at Eagle National Bank to go beyond the phone call and actuallydo a research and give me an update. 
In the meantime, I do n't have the {$1300.00} in my bank and the other person is already out {$1300.00} out of her bank. Someone has this money and not fessing up. 
This money is for rent and being a homeowner having to pay for mortgage with norent in the bank is very tight. 
Eagle National Bank did return the {$12.00} return fee, but it does not compensate for the time I had to spend calling ( numerous calls ) and the other person having to take days off workto take care of this at her local branch. 
Today is XXXX and nothing is resolved. 
",,Consent provided,Web,2015-10-09,Closed with explanation,Yes,Yes,CR1600530,2352
2015-10-09,Credit card,,APR or interest rate,,,,Consent not provided,Web,2015-10-09,Closed with explanation,Yes,Yes,CR1600600,2464
2015-10-09,Credit card,,Arbitration,,,,Consent not provided,Web,2015-10-09,Closed with non-monetary relief,Yes,No,CR1600757,3125
2015-10-08,Credit card,,Billing statement,,"I have a Eagle National Bank credit card, and they recently -- without my permission -- changed my accounts notification system so that I did n't receive my normal email notification that my bill was coming due. This led to a missed payment and late charges that I should not incur. 
",,Consent provided,Web,2015-10-08,Closed with monetary relief,Yes,No,CR1598772,338
2015-10-08,Credit card,,Customer service / Customer relations,,"They have been calling my cellphone after I repeatedly told them i am at work and they cant keep harrassing me sometimes its a machine sometimes a live person they call say something and hang up. U was told because i couldnt post date a payment i wasnt allowed or qualified for a special program and i didnt have the right to call in on my pay to make a payment on my own they refused to stop the calls and refused to remove my number 
",,Consent provided,Web,2015-10-08,Closed with monetary relief,Yes,No,CR1600120,1318
2015-10-08,Credit card,,Billing statement,,,,Consent not provided,Web,2015-10-08,Closed with explanation,Yes,No,CR1599304,4436
2015-10-07,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank ( EN ) [ after just settling a class action lawsuit for their predatory fees structures ] has instituted yet another predatory policy that charges customers an overdraft transfer fee of {$10.00} *per transaction* ( no matter the amount, and with no cap on # of fees XXXX for automatically moving funds to cover overdrafts between customers ' linked accounts. For example : today, I received an email notice ( after the fact ) that my checking account was overdrawn by {$14.00} and "" overdraft protection '' was applied from my savings, along with an "" overdraft transfer fee '' ( OTF ) of {$10.00}. This has happened before, especially when I travel and use my debit card during the weekends and holidays. I 've been charged {$10.00} fees on overdraft transfers as small as {$1.00}, and I 've accumulated XXXX dollars in XXXX fees over the last few months. There 's no human effort involved in moving my money between my linked accounts XXXX which I setup specifically with overdraft protection ), and no clear rationale for why {$10.00} is necessary for these automated transactions. EN is just arbitrarily collecting fees because they can. That 's insane! I 'm a XXXX student, with limited income, and these fees are killing me. I 've contacted EN several times to request refunds and adjustments to their automatic OTF policy with no success. Please help. This is a legitimate issue for folks with limited incomes and understanding of how to avoid/fight these fees. 
",,Consent provided,Web,2015-10-07,Closed with monetary relief,Yes,Yes,CR1597804,3126
2015-10-07,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank regularly solicits new businesses with various promotional incentives. On or about XX/XX/XXXX I have received the Eagle National Bank promotion promising, among other things- As a valued customer, you 're eligible to receive this exclusive {$500.00} online offer XXXX Eagle National Bank XXXX {$500.00} Offer.pdf ) The offer required:1. Open a Eagle National Bank Interest Checking or XXXX Checking account ; 2. Setup and receive XXXX direct deposit of {$2000.00} or more ; 3. Open Rewards XXXX XXXX XXXX account and deposit at least {$20000.00} in new balances. 
4. Keep the {$20000.00} balance in the Rewards Money Market Savings account for 30 consecutive days. 

However, once all the conditions are met, Eagle National Bank deliberately evades living up to its promises and granting the promotional rewards. It goes to extended deceptive practices to lure the customers with the generously sounding misstated promotions, only later to evade granting any rewards. 

Specifically, in this case, all the conditions were met, as acknowledged by the representative on the recorded line, however, the bank 's system is set up in such a way that any and all Electronic funds transfers ( via ACH ) are not counted towards the direct deposit requirement. In fact, Eagle National Bank flouts its own definition of direct deposit as well as that of the Federal Reserve. 

In its Personal Schedule of Fees booklet ( personal-schedule-fees.go.pdf ) on page XXXX it states : '' What is a direct deposit? 
A direct deposit is an electronic deposit of funds to a checking or savings account. 
For Eagle National Bank XXXX Checking accounts, qualifying direct deposits are deposits of regular monthly income -- such as your salary, pension, Social Security benefits -- which are made through the automated clearinghouse ( ACH ) by your employer or other payer. "" Moreover, the Federal Reserve in its definition of an Automated Clearinghouse System specifies, "" The ACH system is a funds transfer system that provides ... Recurring credit transfers ( that ) include payroll direct deposit payments. "" XXXX : XXXX # 4However, Eagle National Bank did not count the direct deposits to my Eagle National Bank checking account related to my employment and benefits at XXXX XXXX and XXXX XXXX towards the direct deposit requirement. When contacted, a Eagle National Bank representative was unable to provide a definite answer, beyond acknowledging the receipts of direct deposits and offering to 'look into it '. 
It is my understanding that the Eagle National Bank cunningly engages in misleading marketing and then purposely miscategorizes incoming direct deposits via ACH to avoid paying out any of the promotional amounts to the customers. 

I am aware that XX/XX/XXXX Eagle National Bank was ordered to pay {$20.00} XXXX in civil money penalty to the CFPB and an additional {$720.00} XXXX In Consumer Relief for its Illegal Credit Card misstatements and promotionsXXXX XXXX would like to kindly request that the CFPB carefully review the initial complaint, pool together similar complaints about the misleading marketing practices and order the bank to pay the penalties and reliefs as appropriate. 
",,Consent provided,Web,2015-10-07,Closed with monetary relief,Yes,No,CR1597630,3761
2015-10-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have been a Eagle National Bank customer for about 10 years holding multiple money market accounts, checking and savings accounts. i also had several credit cards which i paid in full and never had an outstanding balance on. my credit score is above XXXX as well. last year i received letters from EN stating that my XXXX credit card accounts were closed and my checking and savings were to be closed within 30 days to make arrangements to get my money. no problem. my concern was the XXXX points i have EARNED with my royal XXXX card. they told me i could n't get the points to redeem because the account was closed i advised them the contract says if i close the account i will lose it however i was given no warning about the closure or given the opportunity to redeem the rewards i earned and received. they would not give me a reason why the accounts were closed and just said it was a business decision. i called corporate and all, and got nothing. i was only concerned with having to redeem my points but they refused to honor the fact THEY closed my account and i did not breach the terms and conditions which is extremely unfair. i earned those points and rewards and am entitled to them. i have contacted a civil attorney to fight for whats morally right here. since, i have a new bank and have no issues. even the EN branch had no idea why EN corporate "" ended my relationship '' with the bank after 10 faithful years and abiding by call contracts. i had used this card faithfully for several years and paid the card in full faithfully, never missing a payment. I earned thousands of rewards points and was n't given the opportunity to redeem them because EN closed my account without any warning ( as they sent me a warning letter for my checking and saving ) why couldnt they do the same for the credit card accounts. this has to be a scam or a breach of security or contract on their end! they refuse to provide me with any details or explanation which can not be right. 
",,Consent provided,Web,2015-10-07,Closed with explanation,Yes,No,CR1597411,3700
2015-10-07,Bank account or service,Checking account,"Account opening, closing, or management",,"Several months ago, Eagle National Bank closed my Core Checking account. The account was in good standing and always had a positive balance. I inquired about why it was closed and where my remaining balance went. I was just told "" sometimes these accounts just get closed. '' When logging in to my account, I am not able to access any of my past statements. 
",,Consent provided,Web,2015-10-07,Closed with explanation,Yes,Yes,CR1596563,2558
2015-10-07,Bank account or service,Checking account,Deposits and withdrawals,,"The sole income I have at this time is through wage income. I have direct deposit of my, and my wife 's paychecks. On XXXX XXXX, 2015 Eagle National Bank withdrew {$6000.00} from my checking account, leaving a balance of {$1100.00}. The funds on deposit with Eagle National Bank were my salary payments from XXXX and XXXX XXXX {$3600.00} and {$3600.00} XXXX, and my wifes wages from XXXX and XXXX ( {$1200.00} and {$1600.00} XXXX reduced by payments and debits to the account. I was informed that under the Exempt Income Protection Act, 90 % of the income earned in the last 60 days was exempt from levy, garnishing, or offset. I informed Eagle National Bank of this and was told "" We know nothing about this and have the authority to offset any amount from my checking as part of the deposit relationship agreement. '' As a result of BofA siezing my deposit balance, I my result in defaulting on my mortgage modification, which is in a trial period, an IRS payment plan, my credit card payment, and have no funds for food or utility expenses. At the current time my bank account is - {$3900.00}. I would like assistance in getting Eagle National Bank to return the exempt funds to my account and off-set ONLY the amount allowable by law, which, at the time of the off-set, amounts to 10 % of the available balance or {$710.00}. I read the EIPA act through accessing the NYS Departement XXXX XXXX XXXX. 
",,Consent provided,Web,2015-10-07,Closed with monetary relief,Yes,No,CR1596709,472
2015-10-07,Credit card,,Late fee,,"Eagle National Bank Credit Card is failing to give my wife and me a grace period. My wife was XXXX minutes past the due date and they charged me a late fee. After my wife complained they eventually dropped it. 
",,Consent provided,Web,2015-10-07,Closed with explanation,Yes,No,CR1596471,4294
2015-10-07,Credit card,,Billing disputes,,"I paid for medical services with my credit card ( XXXX XXXX XXXX Signature card ). At the time of payment, The Hospital offered a 20 % discount off the bill if the bill was paid before my wife left the hospital. I paid the bill which was {$910.00} ( {$1100.00} minus XXXX % ). Insurance covered more than what The Hospital had calculated because my wife met the out of pocket maximum, so I overpaid. I contacted The Hospital providing all the calculations and how they owed me {$250.00} as a result of the over payment ( actual bill was {$830.00} minus 20 % or {$660.00} XXXX {$660.00} minus {$910.00} is {$250.00}. The Hospital refused to offer a refund so I immediately contacted my credit card to dispute the overcharge. I provided all the necessary information that Eagle National Bank requested in a timely manner, well under the 120 days required by law. Eagle National Bank sat on the request and did nothing. They gave me a case number ( XXXX ), but did absolutely nothing. They did not contact The Hospital ; they did not contact me for clarification ; they did not explain anything in terms of why they would not resolve the case. They just sent me a letter saying it was too late. Eagle National Bank did not do its fiduciary responsibility of investigating the dispute. 
This all happened over many months from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
",,Consent provided,Web,2015-10-07,Closed with explanation,Yes,No,CR1596455,8489
2015-10-07,Credit card,,Billing disputes,,"On XXXX/XXXX/15 I signed a contract with XXXX to rent a car through XXXX/XXXX/15. Due to XXXX bad service and after my complaint, their manager XXXX XXXX agreed to charge me for a total amount of {$120.00} as a good will gesture ( see contract and XXXX business card attached ). I paid for the transaction using my Eagle National Bank VISA card. On XXXX/XXXX/15 I returned the car to XXXX in accordance of the contract. On XXXX/XXXX/15 I was surprised to find out Eagle National Bank VISA showed a charge of {$150.00} from XXXX and so I disputed it. In response to my dispute Eagle National Bank issued me a temporary credit of {$31.00} representing the difference between {$150.00} and {$120.00} on XXXX/XXXX/15. Subsequently on XXXX/XXXX/15 Eagle National Bank informed me that XXXX initiated a claim for {$31.00} and asked me to provide evidence to support my dispute. Next day on XXXX/XXXX/15 I provided Eagle National Bank Credit Card Claims department attachment copies of my contract with XXXX as well as my email to XXXX manager XXXX ( see attachment ). In response to the attachments I sent, I received an email on XXXX/XXXX/15 from XXXX XXXX, Resolution Specialist, Eagle National Bank , XXXX Customer Care Resolution stating quote "" I am your dedicated point of contact until this matter is resolved. '' unquote. However on XXXX/XXXX/15 Eagle National Bank rebilled my account for {$31.00} citing quote "" You were unable to provide us with a copy of the original sales slip or other documentation indicating that the merchant charged the incorrect amount '' unquote. From XXXX/XXXX/15 up to yesterday I sent a number of emails to Eagle National Bank asking them to explain to me what happened to the attachments I sent them to support my dispute and they kept on saying I can call their XXXX ( toll free ) or XXXX ( collect call ) numbers for help. I told them I am not in the US now and I do n't have a land line to make collect calls either. I suggested they call me instead but they refused. The copy of my XXXX receipt, which was signed by me and their manager XXXX, clearly shows that the total amount agreed upon is {$120.00}. I am getting no where with Eagle National Bank and so I decided to file this complaint with you. 
",,Consent provided,Web,2015-10-07,Closed with monetary relief,Yes,No,CR1597839,2697
2015-10-07,Credit card,,Other,,"RE : Eagle National Bank Student Credit Card / Timeline of ReportingThis complaint shall serve as formal notice of my Intent to file a lawsuit against Eagle National Bank, due to its ' blatant and objectionable disregard of the law. 

I can show a judge that these accounts meet the requirements for removal and that they violated the Fair Credit Reporting Act by ignoring my requests to delete them. My previous letters -- all sent certified mail -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

This is not a request for validation or verification. 

Violations FCRA Section 611 Part ( A ) ( 1 ) {$1000.00} per violation. 

cc : Law Offices of XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXXcc : ENrd Of Governors Of The Federal Reserve System XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXXcc : Office of the Comptroller of the CurrencyXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
",,Consent provided,Web,2015-10-08,Closed with explanation,Yes,Yes,CR1597968,3096
2015-10-07,Bank account or service,Savings account,"Account opening, closing, or management",,"Eagle Federal Savings Bank now know as Eagle National on or about XXXX XXXX, 2003 and XXXX XXXX, 2003 accepted Powers of Attorneys on behalf on my late now mother XXXX XXXX which are questionable and exposed me to serious damages in an amount of {$110000.00} and other loss of home, property. 

The bank exposed me as well they failed to disclose the XXXX XXXX, 2003 power of attorney that was a joint XXXX with XXXX agent residing in XXXX which would cause issue if she left and other. It did cause a problem then was revoked but what was found out is that the joint power of attorney dated XXXX XXXX, 2003 was not effective it was not properly notarized, dated and acknowledged the attorney who prepared it wronged my mother and me as well. Why did the bank not reject this at said time but rather allowed us both to withdraw funds that then my sibling sue me over how so. 

Then the XXXX XXXX, 2003 power of attorney was missing a page the Affidavit of Attorney in fact, why did the bank accept it if a page was missing and or not effectuated at said time. Please inquire I gave them ample opportunities but they chose to ignore again and again only having my sibling XXXX go into court to sue me said powers that may HAVE XXXX BEEN QUESTIONABE, NOT EFFECTIVE NOT PROEPRLY DRAFTED OR OTHER, THE BANK ACCEPTED MAINLY THE FIRST POWER OF ATTORNEY THE JOINT XXXX THAT WAS VOID HOW COULD THEY DO SO, AND EXPOSED ME TO SERIOUS INJURY AMOUNTING IN THOUSANDS. 
",,Consent provided,Web,2015-10-08,Closed with explanation,Yes,Yes,CR1597882,8076
2015-10-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have a Health Savings Account with Eagle National Bank. I was notified in early XXXX that they would begin extracting fees from my account by XXXX XXXX. So I paid qualified medical expenses to bring the account balance down to {$0.00}. I called to close the account but I was told because it was a HSA, I had to go into a physical branch location to close the account. So I went to the Eagle National Bank branch at XXXX XXXX XXXX, XXXX NY on XXXX/XXXX/2015. I met with a bank representative to close the account, she took my HSA debit card, and my online account with the bank became inactive. The following month, I receive a statement from Eagle National Bank showing the account with a XXXX cent balance from interest earned and the account not actually closed. So, I went back to the same branch location on XXXX/XXXX/2015 to make a second attempt to close the account. The bank representative withdrew the XXXX cent balance, gave me the penny and said that the account was now closed and I should receive a final statement at the end of the month. 
I am still receiving statements as if the account is still open. Eagle National Bank will not close the account even though I have brought the balance down to {$0.00} on XXXX occasions and have gone into the bank XXXX to close the account. I do n't know what else to do. 
",,Consent provided,Web,2015-10-07,Closed with non-monetary relief,Yes,No,CR1596294,6691
2015-10-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-10-07,Closed with explanation,Yes,No,CR1596499,3865
2015-10-07,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,Other,Web,2015-10-07,Closed with monetary relief,Yes,Yes,CR1596879,3102
2015-10-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-10-07,Closed with explanation,Yes,Yes,CR1597765,6750
2015-10-07,Bank account or service,Savings account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-10-09,Closed with non-monetary relief,Yes,No,CR1596463,334
2015-10-06,Bank account or service,Checking account,"Account opening, closing, or management",,"I filed a complaint with Eagle National Bank XXXX/XXXX/2015 - Case number : XXXX and thought that my issue has been resolved. The issue is that my saving account that was converted to a checking account was continue to be assessed fees then charged of. This account was not suppose to be converted to a checking account. It was to remain a savings,. I was advised today by a rep that I was accessed monthly service charges from XX/XX/XXXX - XX/XX/XXXX and the account was forced closded XXXX XXXX. another bad servicing item and after being advised of the error for the 10th time. No one corrected. 
Orginal complaint verbiage : My # 2 complaint is that I had my savings account converted to another Checking Account without my notice or approval and now I am being charged a monthly maintenance fee on that account. I have advised BOFA of all of my concerns and they have not attempted to investigate or make any corrections. These fees have been accessed without me being aware. This is an unfair act or practice. And a violation of UDAAP.The Dodd-Frank Act prohibits conduct that constitutes an unfair act or practice. Anact or practice is unfair when : ( 1 ) It causes or is likely to cause substantial injury to consumers ; ( 2 ) The injury is not reasonably avoidable by consumers ; and ( 3 ) The injury is not outweighed by countervailing benefits to consumersor to competition. 
Confusing marketing strategies and lack of disclosure of terms of checking and savings 
",,Consent provided,Web,2015-10-08,Closed with monetary relief,Yes,No,CR1595784,2809
2015-10-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I put a stop payment on a charge for cable that was not authorized and had already been taken from our account two weeks prior. I was told it would be stopped and not go through. Two days later it went through and created an over draft of XXXX 
",,Consent provided,Web,2015-10-08,Closed with monetary relief,Yes,No,CR1595570,3567
2015-10-06,Bank account or service,Checking account,"Account opening, closing, or management",,"I used to have a joint account with a friend back in early 2004, which eventuallywas closed by the other party without my knowledge. 
When it was closed, the account was overdrawn by about {$250.00}. Since I wasalso on the account, Eagle National Bank took the overdrawn balance from thejoint account from my account. I had no problem with them taking the {$250.00}, asmy name was on the account. 
The issue is when I want to open an account at a different bank, I was denieddue to XXXX XXXX showing I have a bad record. 
I confronted Eagle National Bank a few year back, and they claimed that theywould take care of it. 
I had not thought about it again since I have not tried to open an account. 
However, recently I wanted to be added into an account, but again was denieddue to XXXX XXXX. 
",,Consent provided,Web,2015-10-06,Closed with non-monetary relief,Yes,Yes,CR1595196,2102
2015-10-06,Bank account or service,Checking account,"Account opening, closing, or management",,"It recently came to my attention that last year I was placed XXXX by Eagle National Bank. At the time last year there was a check deposited into my account by XXXX XXXX XXXX. I do not know these people and have never had any contact with them. I have never received any checks or any other form of currency from them. They committed fraud at my expense. Eagle National Bank told me at the time of the deposit that they were force closing my account and I would be banned from ever doing business with Eagle National Bank again. They did not tell me I was being sent XXXX. I was in shock having been a valued customer with no problems since the 1980 's, Having just lost my husband and being under a Dr 's care XXXX it did not occur to me to go to the police nor was it suggested by the bank personell. Last month when I went to try to open an account to start a business is when I was informed XXXX and told I will remain there for 7 years. I in the meantime already had an existing account at another bank is another reason I did n't know about XXXX. I have contacted Eagle National Bank asking them to remove my name XXXX and am still waiting a response from the bank. The only thing they have told me so far is that I waited too long to dispute it, but had I known the full extent of being sent XXXX I would have done it immediately. I would appreciate any help you can give me in this matter. 
",,Consent provided,Web,2015-10-06,Closed with explanation,Yes,Yes,CR1594730,2659
2015-10-06,Bank account or service,Checking account,Deposits and withdrawals,,"My father asked me to help him recover {$5000.00} that went missing from his checking account on XXXX/XXXX/15 from Eagle National Bank. The bank claims he did the transaction through a code that said XXXX and it was applied to a XXXX account, then a money market account within a very short time. On XXXX XXXX, they closed our claim and took back the {$5000.00} they credited us without any proof he did it. No bank employee can tell us what that code means but if it means via computer, my father knows nothing about computers. On XXXX, we requested they reopen the claim and provided an affidavit. I was able to contact Eagle National Bank on XXXX XXXX to check on the progress of the claim and they said they had contacted XXXX. They told me XXXX has 45 days to respond. It has been well over 45 days and we have n't heard from anyone. I have tried numerous times to contact them and am put on hold, but after 30 minutes, I hang up because it is way too long for anyone to be put on hold. I want to see proof and resolve this matter. 
",,Consent provided,Web,2015-10-06,Closed with monetary relief,Yes,No,CR1594332,10287
2015-10-06,Bank account or service,Checking account,"Account opening, closing, or management",,"Unfortunately Eagle National Bank does not care about their customers! I contacted customer service today because they sent me the wrong debit card. I ordered the XXXX White Sox affinity debit card, and selected it online when I opened my account. The customer service rep XXXX fixed it to the white sox card and when I asked him to overnight me a new card he said there would be a {$15.00} fee, I asked him to waive it since it was Eagle National Bank 's fault, he refused. I asked him to explain the situation to his supervisor and see if she could waive the fee. He came back and said his supervisor XXXX XXXX denied the request, refused to give me her first name or either of their employee ID numbers. Completely unacceptable! I guess this is how Eagle National Bank treats their customers! Now I have to wait 5-7 days before I can have access to my money, and they wo n't take care of a customer over {$15.00}??? TERRIBLE BANK! I am thinking of switching and going elsewhere, why should I stay with a bank that is n't there for their customers?? I would like to have a {$15.00} credit placed in my checking account since I ca n't access my funds for 5 -7 days I think that 's fair. I have already posted social media as well and will be writing a personal email to the CEO and VP of Eagle National Bank on how terrible their customer service department is. That supervisor XXXX XXXX should immediately be terminated for allowing this type of behavior be be conducted by her associates. 
",Servicemember,Consent provided,Web,2015-10-06,Closed with monetary relief,Yes,No,CR1594396,908
2015-10-06,Credit card,,Credit card protection / Debt protection,,"I have rented a car XXXX and paid the rental amount with my credit card. After that, i have received almost {$1500.00} bill from the same car rental company for damages to the car which i was not agreed. The rental car company had forged my signature on a paper to charge my credit card and Eagle National Bank has denied my dispute even thought the signature for forged ... 
",,Consent provided,Web,2015-10-06,Closed with explanation,Yes,Yes,CR1594901,3202
2015-10-06,Credit card,,Credit line increase/decrease,,"I paid off the balance of my Eagle National Bank credit card right before a scheduled 10-day trip to XXXX, because I wanted to use the credit card for my purchases in XXXX. Just as I embarked on my travel, Eagle National Bank reduced my credit limit by more than {$2000.00}, without any warning, and in the middle of my billing cycle. Eagle National Bank deprived me of credit during my travel and they were totally indifferent to my appeals to them to restore my credit limit. As a result, I experienced a serious shortage of funds during my travel. I was traveling with my family during the time ; by taking away my credit, Eagle National Bank did not merely inconvenience me -- they created a real crisis that endangered me and my family. 

I would not have paid off the balance on this credit card if I had known that they would take away the credit that I wanted to make available by a repayment. 

Eagle National Bank did extend a "" temporary authorization '' of {$500.00}, but this was wholly inadequate to pay for travel expenses during a 10-day trip to XXXX. I explained this to Eagle National Bank and they were completely indifferent to the serious crisis that they inflicted by their credit reduction action. 
",,Consent provided,Web,2015-10-06,Closed with explanation,Yes,No,CR1594287,5398
2015-10-06,Credit card,,Identity theft / Fraud / Embezzlement,,"On XXXX/XXXX/2015 I opened a BofA checking account and made an opening deposit of {$5900.00}. I left later that day for my assigned XXXX XXXX XXXX for an upcoming deployment. I was XXXX, XXXX until XXXX/XXXX/2015. At which point I realized my account was drained. I filed a fraud claim and even after a Department of Defense memorandum from my XXXX, I was still denied numerous times. 
",Servicemember,Consent provided,Web,2015-10-06,Closed with monetary relief,Yes,No,CR1594420,2699
2015-10-06,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-10-08,Closed with explanation,Yes,No,CR1594366,2671
2015-10-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-10-06,Closed with explanation,Yes,Yes,CR1595789,3745
2015-10-06,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,Consent not provided,Web,2015-10-06,Closed with explanation,Yes,Yes,CR1595212,2132
2015-10-06,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-10-06,Closed with explanation,Yes,Yes,CR1595405,737
2015-10-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Other,Web,2015-10-06,Closed with explanation,Yes,No,CR1595461,5539
2015-10-06,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-10-06,Closed with explanation,Yes,Yes,CR1594145,3618
2015-10-06,Bank account or service,Checking account,Deposits and withdrawals,,,,Other,Web,2015-10-06,Closed with explanation,Yes,No,CR1595825,932
2015-10-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Eagle National Bank debited from my checking account a check belonging to a different account holder. My account and the check issuer 's account differ by XXXX digit. The image of the check as shown on my online banking clearly indicate the mistake. I am appalled at the lack of transaction controls at EN. My checking account did not have sufficient balance to cover the check. A check which I did not issue and did not expect to post to my account! In the process, my account was overdrawn. I called EN customer support the next day. I was assured the debited account and NSF fees would be refunded in 5-7 business days. During this period, EN charged me a further {$35.00} as extended overdraft fees! I has been over a month and I am yet to see a refund for the {$35.00} NSF fee and {$35.00} extended overdraft fee. My account is still overdrawn pending refund of these fees which were caused by faulty EN systems. 
",,Consent provided,Web,2015-10-07,Closed with monetary relief,Yes,No,CR1592277,7186
2015-10-05,Credit card,,Forbearance / Workout plans,,"FIA Card Services has been calling me on my cell phone and at my job for about 3 months. They have called me sometimes about 10 times a day. They have my Eagle National Bank credit cards under XXXX different accounts instead of XXXX. They have called me with a XXXX area code on through away cell phones. 
",Older American,Consent provided,Web,2015-10-07,Closed with non-monetary relief,Yes,No,CR1593817,814
2015-10-05,Credit card,,Other,,"I have a credit card account with Eagle National Bank that has been without a balance for more than 3 or 4 years - I do not even have an actual card having destroyed it several years ago. I keep this account active by paying an annual {$18.00} annual fee whenever I receive - by mail - the bill for this fee from Eagle National Bank. 
In XX/XX/XXXX, I received an email from my credit monitoring company informing me that my credit score had changed. Upon checking this information on the credit monitoring web site I noted that my credit score had dropped from "" Very Good '' ( XXXX XXXX to "" Good '' XXXX XXXX XXXX. This change occurred "" as of '' XX/XX/XXXX and was initiated because "" ... Eagle National Bank has flagged your account as 30 Days Past Due. '' Here is a summary of the alert statusAlert Date XX/XX/XXXX XXXX Eagle National BankPayment Status Not more than XXXX payments past due ( XXXX ) Status Date XX/XX/XXXX $ XXXX Date XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX immediately initiated payment of this fee ( plus a {$3.00} interest charge ) using my online banking service. I also contacted Eagle National Bank by telephone in an attempt to have this corrected. I informed the operator that I did not receive in the mail any notice regarding this charge in the mail, that I had initiated payment and that I needed to talk with someone regarding the correction of my credit score status. She indicated that the notice was sent to my XXXX XXXX that I used during my last move XXXX. All mail sent to this XXXX XXXX is now forwarded to my actual address - and remains forward-able until XX/XX/XXXX In any case, I did not receive this bill - or any other notice via email or phone - from Eagle National Bank regarding this fee. Unfortunately, the bank representative could not help me since I was in "" arrears '' for this fee payment making this report to the credit agencies a valid action and she could do nothing fro me. I had the representative change my XXXX XXXX XXXX to my actual address for all further mail communication before ending the call. 
On XXXX XXXX, another email alert came from my credit monitoring service. Here is the summary of this alert : Alert Date XXXX XXXXCompany Eagle National BankPayment Status 30 days past dueStatus Date N/ABalance $ 0.00Balance Date N/AAddress XXXX XXXX XXXX XXXX XXXX, XXXX XXXX that the second alert above indicates a zero balance showing that Eagle National Bank has received my fee-plus-interest payment. 
Now I am wondering what recourse do I have to correct this. My credit history spans more than 40 years with zero derogatory information. I find it difficult to believe that missing a payment to cover an annual fee of {$18.00} can cause this much damage to someone 's credit profile. Is this normal? Certainly one can have this corrected easily, especially since the circumstances show absolutely no intent to defraud or mislead the credit-providing company by this consumer. Please help! 
",Older American,Consent provided,Web,2015-10-05,Closed with non-monetary relief,Yes,No,CR1592633,2137
2015-10-05,Credit card,,Transaction issue,,"I purchased a watch from an online merchant, XXXX XXXX company and never received the watch. My Eagle National Bank Visa is now refusing to credit me back the amount. This is merchandise not received. I asked BofA to send me their policy and it states that I have 120 days from promised delivery date to dispute this. I purposely used my BofA Visa to purchase this item for my protection. I have called BofA several times, produced emails showing the delivery date and they are not refunding me the amount. 
",,Consent provided,Web,2015-10-05,Closed with explanation,Yes,Yes,CR1592685,11886
2015-10-05,Credit card,,Advertising and marketing,,"Took advantage of an interest free offer and the bank charged interest even though I paid off the monthly charges on time. 
",,Consent provided,Web,2015-10-05,Closed with explanation,Yes,No,CR1593603,1134
2015-10-05,Credit card,,Other,,"XX/XX/2015I closed my credit card account ending in XXXX on XXXX/XXXX/2015. The account was paid in full when the account was closed. The account was online and I did not receive any paper statements on the account. 

On approximately XXXX XXXX, 2015 I received a letter from Eagle National Bank. The letter stated my account was past due in the account of {$160.00}. This was the first letter or email I had received about the closed account XXXX. 

XXXX XXXX, I phoned the number on the letter ( XXXX ) and spoke to XXXX, then XXXX and then XXXX. I spoke for a total of one hour 12 minutes to Eagle National Bank. 
In speaking with XXXX I was told a company called "" XXXX '' charged my account in the amount of {$100.00} and the rest of the charges were late fees. XXXX told me if I paid the {$100.00} he would take all the other fees off the account. I was unhappy something was charged on a closed account and asked to speak to a supervisor. 

I was transferred to XXXX. XXXX told me things could be charged to a closed account for 30 days after an account was closed. XXXX told me if I paid the {$100.00} all the other fees would be taken off the account. I was unhappy something was charged on a closed account and asked to speak to another supervisor. 

I was transferred to XXXX. XXXX told me the "" XXXX '' charge was made on XX/XX/XXXX. This is 44 days after my account was closed. XXXX told me anything could be charged to a closed account. XXXX said I had to pay {$100.00} which was the "" XXXX '' charge as well as interest and then all the other fees would be taken off the account. I requested all the statements be mailed to my address. I have none of these statements and I ca n't look online at anything on the account because I closed the account. 

At this point I simply wanted to be done and I felt VERY harassed about the whole situation. I paid XXXX and she used check number XXXX from my XXXX checking account. XXXX told me the case number for the issue was XXXX. 

XXXX XXXX, I received a phone call from XXXX at XXXX. She requested I pay another {$1.00} and some change for additional interest. I hung up the phone. 

I am very upset about this issue. 
We paid in full XXXX CLOSED our account on XXXX have no access to the account, because it was closed online and we did not receive paper XXXX days AFTER our account was closed, Eagle National Bank took a charge on a CLOSED account. 
When we did receive a paper bill/statement, we call XXXX receive different information from different customer service people. 
We DID PAY the charge & interest, just to be done with Eagle National Bank, and then Eagle National Bank did n't take off late fees AS THEY SAID THEY WOULD. 

Would you please assist us with this matter? 
Please contact us anytime. 
",,Consent provided,Web,2015-10-05,Closed with monetary relief,Yes,No,CR1592284,7843
2015-10-05,Bank account or service,Savings account,"Account opening, closing, or management",,"I have a "" relationship savings '' account with Eagle National Bank. Because this savings account has a "" relationship '' with my "" relationship checking '' account, I am entitled to a certain rate of interest. XX/XX/XXXX about 10 months after the accounts ' set-up, I was fed up with the ridiculously low interest rate of this "" special '' account and I went on-line to look at other accounts. I discovered that I had been receiving an interest rate of only about XXXX of what it should have been. I notified my EN branch in XXXX MA, and they discovered that my relationship accts had not been set up properly ; so they linked my accounts and gave me my retro-active interest. After that, I began to compare my monthly statement 's stated interest rate with the EN Website 's stated rate. My XX/XX/XXXX statement showed my interest as less than XXXX of what it should have been. I contacted EN and it appeared that my savings acct had been de-linked from the checking acct. This was fixed, but only after a great effort on my part. The XXXX number follow-up never occurred and I had to contact the manager of my local branch. The next statement still had a higher, but still wrong, interest rate and did not reimburse me what I was owed. On the next statement XXXX XXXX ), the interest rate was correct and I recieved {$20.00} which included my retro-interest plus a small bonus that I insisted on, not only for my trouble, but also to penalize EN. I emphasized my concern that many other people may be suffering from this same problem without knowing it. On the XX/XX/XXXX statement, my interest rate was close to XXXX lower than it should have been. The local branch manager gave me a credit that was about XXXX cents more than I was owed, as a bonus. My XXXX statement also had the wrong rate. It took some time to figure the cause of this error ; there were a few theories, but in the end, it was simply the same problem that my relationship savings account somehow got de-linked from my relationship checking account. This time I went higher in EN 's hierarchy to a XXXX Manager in XXXX XXXX XXXX XXXX, XXXX ) and recieved retro-interest that was a bit more than what I was owed, and I recieved a {$25.00} apology amount. XXXX XXXX also apologized profusely by phone and promised to launch an investigation. I told him that I was on the verge of contacting the government because I was so concerned about other unknowing victims. My dealings with him were XX/XX/XXXX and my XXXX statement was correct and contained the money he promised me. I just recieved my XXXX statement and again, my savings interest appears less than it should be ; it is .37 % ; which is less than the .4 % which has been the stable rate for many months. I can not confirm this because my type of account no longer appears on the website, but in this economic climate, I can not imagine that the interest rate, in fact, decreased. Yesterday, XXXX XXXX XXXX, I emailed my branch manager and left a voicemail for XXXX XXXX. No replies as of now. Even if this month I prove to be wrong, which I can not imagine, I would like your office to investigate EN regarding the proven problems which I have described here. I am very, very concerned about other people recieving less interest than what they are entitled to. I wanted to file a complaint sooner but have very limited bandwith and could not find the time and energy. Until now. I can follow up with EN each time this happens to me until I am fed up enough to close my account, which is a time fast approaching. However, the population needs to be protected. Even if EN 's errors are accidental, EN must be forced to fix its problems. I do not believe that I could be the only victim of such errors. I do believe that most people would not be aware of such errors and/or would not be able to resolve them on their own. Thank you so very much. 
",,Consent provided,Web,2015-10-07,Closed with monetary relief,Yes,Yes,CR1593221,3288
2015-10-05,Credit card,,Late fee,,,Servicemember,Consent not provided,Web,2015-10-05,Closed with monetary relief,Yes,No,CR1592119,2312
2015-10-05,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-10-16,Closed with non-monetary relief,Yes,No,CR1592139,5214
2015-10-05,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-10-05,Closed with explanation,Yes,Yes,CR1593876,3137
2015-10-05,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-10-05,Closed with explanation,Yes,Yes,CR1592105,6551
2015-10-05,Credit card,,Rewards,,,,Consent not provided,Web,2015-10-05,Closed with monetary relief,Yes,No,CR1593674,648
2015-10-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-10-05,Closed with explanation,Yes,No,CR1592931,91
2015-10-05,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2015-10-05,Closed with explanation,Yes,Yes,CR1593657,379
2015-10-04,Credit card,,Closing/Cancelling account,,"On XXXX/XXXX/2015, I called Target to cancel my Target REDCard. The agent I spoke to XXXX would not listen to my request to close my account. He refused to close the account and despite my many interruptions, he continued to suggest reasons why I should keep the account open. I continue to repeat my desire to cancel the account and he continued to ignore me. I put my husband on the line because I was too uncomfortable to continue the conversation. XXXX would not cancel the card for my husband either. He continued to ask for me to be put back on the line. My husband made it very clear that the card should be cancelled and only then did I get back on the phone. XXXX then proceeded to pressure me more to keep it open. I gave the phone back to my husband and my husband asked if we could speak with a supervisor and XXXX refused stating only that I could make the request, not my husband. Finally we hung up, called back and spoke with another agent. The new agent attempted the same route, but we were more forceful this time and did not allow he representative to do anything but cancel. We spoke over the agent with each continue pressure tactic and stated that we needed to cancel immediately. We had to repeat the request to cancel over XXXX dozen times to make sure the agent did not continue the refusals. 
",,Consent provided,Web,2015-10-04,Closed with explanation,Yes,No,CR1591921,1814
2015-10-03,Bank account or service,Checking account,Using a debit or ATM card,,"I was tied ti my daughter student account with additional checking and savings. My daughter was only allowed to use the ATM with her student account. In doing so she deposited a check through the ATM which was a fraudulent check she withdrew {$200.00} at that time. I was in another state when she was doing this at college. Since it was a fraudulent check all of our accounts XXXX of them were closed and filed with companies so as to never open up an account again with any other bank. I have since lost XXXX jobs because of this filing and I 'm not able to open up my company again because I can not open up banking account. I need help with this resolving as I have tried to fight with first response and security companies to allow me to make a living I am now destitute. I can not find myself to make a living to feed my family. I 'm a single parent and had a woman own business. please help me to put my life back together. 
",Servicemember,Consent provided,Web,2015-10-03,Closed with explanation,Yes,No,CR1591600,2479
2015-10-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"in reference of complaint # XXXXwhen branch was giving me run around for three cont. days, first day as per XXXX that they could not find my original papers and waisted my couple hours then second or third day i noticed XXXX staff members included one lady wispered on the side and that lady approched me with blank form and asked me to sign on this and i refused to sign that blank form. 
now in this branch so many cameras and challange to you that go ahead watch those videos from those days. you will find all type of illegal activity. 
",,Consent provided,Web,2015-10-03,Closed with monetary relief,Yes,No,CR1591511,5393
2015-10-03,Credit card,,Other,,"* My reports continue to incorrectly show me XXXX past due in XXXX XXXX and they will not correct. 
* My XXXX report also incorrectly shows me XXXX past due in XXXX XXXX and XXXX XXXX but I do not have bank records that old to prove. 
* My XXXX report continues to show unauthorized hard FIA hard inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they will not remove. 
* Attaching letter dated XXXX/XXXX/XXXX requesting correction of these items including supporting documents. 
* As of XXXX/XXXX/XXXX, I have not received a response to my XXXX/XXXX/XXXX letter. 
* Finally, this account is reported as a "" Flexible Spending Credit Card '' on all reports when it is a simple credit card. 
* REQUEST : Please help me get these items corrected or removed from my credit reports. 
",,Consent provided,Web,2015-10-08,Closed with explanation,Yes,Yes,CR1591684,1793
2015-10-03,Credit card,,Advertising and marketing,,"Eagle National Bank provided a pre selected offer then declined the pre selected offer despite having an adequate income etc. The preselection offer was made using a soft pull on my credit minutes prior to the decline and therefore is illogical. 
",,Consent provided,Web,2015-10-03,Closed with explanation,Yes,Yes,CR1591761,598
2015-10-03,Credit card,,Billing disputes,,"Re : Illegal credit card interest billing practices at Eagle National Bank , N.A . 
To The Comptroller : On my XXXX XXXX, 2015 billing statement, I had an active dispute in process for {$340.00}. With the exception of this dispute, I had paid my previous month 's statement in full through Eagle National Bank 's auto debit program. 
Eagle National Bank illegally charged me a minimum interest charge of {$1.00} on the active dispute amount. They have since agreed to rescind the charge. 
I am writing to bring your attention to the illegal interest billing practices actively in Eagle National Bank 's billing system. 
I am certain that numerous Eagle National Bank customers have been illegally charged interest amounts on active dispute amounts. Eagle National Bank should be investigated fully for this billing issue and prosecuted to the fullest extent of the law by the OCC and CFPB. 

Regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX 
",,Consent provided,Web,2015-10-03,Closed with explanation,Yes,No,CR1591491,1105
2015-10-03,Credit card,,Forbearance / Workout plans,,,Older American,Consent not provided,Web,2015-10-03,Closed with explanation,Yes,Yes,CR1591754,1612
2015-10-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-10-03,Closed with non-monetary relief,Yes,No,CR1591669,72
2015-10-02,Bank account or service,Checking account,Using a debit or ATM card,,"I communicated with my credit card company on numerous occasions to resolve a claim and implement the recovery for {$2500.00}. I provided them with answers to every question they had, they simply refuse to help me, and I am at my wits end here. I have told them the assets were taken under false pretense and misleading sales tactics and marketing, I have advised them that this charge is fraudulent in it 's original intents, yet still nothing. I have constantly advised them that XXXX XXXX did not provide the services that were anticipated, which is why I 'm eligible for my refund. I can not afford to give away any more of my money. Please speak to them on my behalf. They have not considered the matter at all. 
",,Consent provided,Web,2015-10-02,Closed with explanation,Yes,No,CR1589880,5132
2015-10-02,Bank account or service,Checking account,"Account opening, closing, or management",,"I have a bank account with Eagle National Bank. to transfer money between accounts, they have a {$1000.00} limit per day, unless you get a text message code, or get XXXX card. 
I have recently relocated back XXXX XXXX after living and working XXXX for a year ). During this relocation my XXXX card malfunctioned, and will not allow me to transfer money. Now that i am living outside of the United States, Eagle National Bank will not provide me with a replacement XXXX card ( as they do not send overseas ), and I can not get phone text messages ( again due to me being outside of the United States XXXX. Due to this, I am unable to transfer my money XXXX more than {$1000.00} a day ) between accounts, and outside of the United States back home. 
As I was working in the United States for a year, I have a substantial amount in this account, that I would like to get access to. 
And to make matter worse, they have a policy of not replacing a XXXX card within 30 days of updating an address. Which I was not aware of. So after relocating to XXXX, and getting a house to live in, I updated my address, then tried to apply for the XXXX card. I was told that I need to wait for 30 days, before I can re-apply for this card. 
So, I have waited for 30 days, and have just been informed that I can not get this card at all ( unless I change my address to a friends place, wait another 30 days, then get it sent to my friends who can then forward it on to me ). 
",,Consent provided,Web,2015-10-06,Closed with explanation,Yes,No,CR1589955,3629
2015-10-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have been directed to this agency, probably again about an original complaint that I made regarding a "" Eagle National Bank XXXX Litigation. "" I was included in this Litigation process XX/XX/XXXX, because of illegal credit practices carried out in my credit card. I complained XX/XX/XXXX about these illegal practices and I was then given a claim ID : XXXX. 
Since then, I have recently received a letter from the Office of the Comptroller of the Currency XX/XX/XXXX, advising me that "" your complaint appears to involve an issue that no longer falls under the direct jurisdiction of our office "" ibid. OCCI do not understand why I can ' t receive a legitimate answer on a proper citizen request that I made against illegal credit practices on my credit card. Furthermore, I have been referred to various federal agencies that do n't seem to take charge of the situation and just answer the status of my original claim Id : XXXX. 
I would appreciate if this agency would just take charge of the situation so that I can obtain a final legitimate answer. Thank you very much, XXXX XXXX XXXX 
",,Consent provided,Web,2015-10-06,Closed with explanation,Yes,No,CR1591229,7727
2015-10-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I recently came across an article on the XXXX regarding Eagle National Bank being fined over XXXX XXXX dollars for their identity theft scam. I have been a member of the privacy assist owned by EN since XX/XX/XXXX so I called them to see if I am eligible for this refund. When I spoke to XXXX of their representative XXXX she transferred me to a guy rep who can help me with the refund. After going over some questions he told me that he ca n't find my account and told me that only members from the year XX/XX/XXXX-XX/XX/XXXX are eligible for refund. I could'nt tell when I started exactly on my membership so he directed me back to the previous rep to find out. Privacy assist told me that I 've been a member since XX/XX/XXXX making me eligible for the refund so then I asked the rep why they could n't find my account information. The rep then told me to call EN directly which surprised me because all along I thought I was talking to EN. So I did that I called the customer service for EN and what they did was transferred me back to Privacy Assist. I was passed on from one rep to another with no answers to my questions. I need your help to get fair justice from this corporation. 
",,Consent provided,Web,2015-10-02,Closed with explanation,Yes,No,CR1589920,4497
2015-10-02,Bank account or service,Other bank product/service,Deposits and withdrawals,,"on or about XXXX XXXX of 2015 at the Eagle National Bank location located at XXXX XXXX XXXX XXXX new York XXXX the financial centers operation manager, XXXX XXXX XXXX XXXX XXXX profile me and denied me the right of engaging in legal banking business, by denying me the right and the ability of depositing XXXX money orders on behalf of a Eagle National Bank customer ( XXXX XXXX XXXX XXXX XXXX stated that I made him uncomfortable with excepting the money orders. 
I travelled to another Eagle National Bank location, in whereas they excepted the money orders and placed them for deposit. 
",,Consent provided,Web,2015-10-02,Closed with explanation,Yes,No,CR1591187,4587
2015-10-02,Credit card,,Credit card protection / Debt protection,,"You Eagle National Bank are grossly misinterpreting the order of XXXX XXXX, 2014, signed by XXXX XXXX, Director of the Consumer Financial Protection Bureau ( CFPB ), File Number XXXX, regarding Eagle National Bank 's ( BofA ) Credit Protection Plan that I was enrolled in to "" protect my credit ''. The CFPB is making all customers like me whole again. This means all fees and interests accrued as a result of BofA 's mishandling of these accounts are to be deleted from the credit reports. That is what I am requesting. I am stating exactly what the language is in Paragraph XXXX of File Number XXXX, and I quote : "" With respect to any Credit Protection and Identify Protection Eligible Customer 's Account that receives redress as a credit that decreases the existing balance or charged-off balance, the Bank shall, as permitted by law and in accordance with existing procedures : ( b ) delete the account trade line at each credit reporting agency to which the Bank had previously furnished balance information for the account. '' End quote. So please delete XXXX ( {$320.00} ) regarding me from all Credit Reporting Agencies ASAP. The balance that you BofA are continuing to report to the Credit Reporting Agencies is pure and simple illegal and a gross miscarriage of justice. 
","Older American, Servicemember",Consent provided,Web,2015-10-02,Closed with explanation,Yes,Yes,CR1591168,4679
2015-10-02,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-10-02,Closed with explanation,Yes,Yes,CR1591282,3229
2015-10-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-10-02,Closed with explanation,Yes,No,CR1590556,7567
2015-10-02,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-10-02,Closed with explanation,Yes,Yes,CR1590086,4794
2015-10-02,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,Consent not provided,Web,2015-10-08,Closed with explanation,Yes,No,CR1590693,3819
2015-10-01,Bank account or service,Checking account,Problems caused by my funds being low,,"A garnishment was erroneously placed on my bank account XXXX legal fees were assessed for the order by the bank. The garnishment was lifted and all associated fees reversed aside from the legal order fees. Due to the erroneous nature of the garnishment, I want my fees reversed. 
",,Consent provided,Web,2015-10-01,Closed with monetary relief,Yes,No,CR1589464,1587
2015-10-01,Bank account or service,Savings account,Deposits and withdrawals,,"I am victim of IF theft since XXXX 2012 and in banked with Eagle National Bank. Everything was okay till I decided to change my bank and go with XXXX due to fee rate increase implementation was wrong as per my terms so I asked them to close my account they closed my checking but said we can close your saving in was like why and they said you owe XXXX dollars on which in was very scared and went a head did thr police report, got FTC affidavit and affidavit of Identity theft and filed in from of a notary public. Then I submitted that to EN but even in told them I am a IDTheft victim thry had sold my a count without resolving my deputes and giving me my XXXX back they have violated my rights and I got XXXX class per 5 days from FTC XXXX. I sent them all explanation with proof and thry concluded that in bear no responsibility to that XXXX dollars and sent the case back to Eagle National Bank but it has been 4 years I have been asking them to take me off the XXXX and now finally I am going to sue them with the insurance I bought of XXXX dollars with all XXXX bureaus. I won the case and they still did n't remove that from XXXX. 
",,Consent provided,Web,2015-10-01,Closed with explanation,Yes,Yes,CR1588112,1495
2015-10-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I opened a checking account for my company in 2012 hoping to get some business I spent on advertisement. A customer sends me a check from a closed account from another state other than Florida, then the bank closes my account and reports ASSUMING that I acted in concert with the guy who gave me the check. In retrospect I can see that I was being setup to no avail because I was not going to send anything unless the check cleared. 

I feel that I have been labeled without proof, besides they have testament of my ethical behaviour when they deposited {$3000.00} that did not belong to me and I called for them to remove the amount ( Because it did n't belong to me ) which eventually they did after 20 days. 
",,Consent provided,Web,2015-10-01,Closed with explanation,Yes,No,CR1589286,2422
2015-10-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"The managers at the Eagle National Bank location on XXXX XXXX XXXX XXXX XXXX, Tx XXXX verbally refused to submit a suspected abuse of elderly report despite many family members requesting it and an investigation into the practices of one of the account holders who has been forging signatures and is suspected of misapplying, misappropriating money belonging to family members. 
",,Consent provided,Web,2015-10-01,Closed with explanation,Yes,Yes,CR1587998,2675
2015-10-01,Credit card,,Advertising and marketing,,"I have opted out of credit card applications being sent to me in the mail but certain outfits ignore or do n't use the service and send me applications anyway. The latest is Eagle National Bank, which is a low life outfit from previous experience of them XXXX my son! I would n't give this outfit the XXXX but they insist on sending credit applications. Is there a magic number or email address that I can send a correspondence to express my never wanting a thing to do with them? Please let me know if there is any recourse available to the FTC sanctioning this outfit with a fine or other penalties? 
",Older American,Consent provided,Web,2015-10-01,Closed with non-monetary relief,Yes,No,CR1588989,1007
2015-10-01,Bank account or service,Checking account,Problems caused by my funds being low,,"I would like to know if a bank has the authority to rearrange transactions in the consumer 's checking account after the funds is cleared in account? Or should the bank provide the consumer with correct, online, account information on all transactions made to the consumer 's account including pending fees?. What is the Consumer Finance doing to stop these banks from charging the helpless consumers from these excessive and unjust fees? 
",,Consent provided,Web,2015-10-01,Closed with explanation,Yes,No,CR1588885,3637
2015-10-01,Credit card,,Identity theft / Fraud / Embezzlement,,"Upon inspecting my XXXX Credit Report for Hard Inquiries, I found several items that I had never applied for, in this order : Eagle National Bank XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. 

I never authorized these companies to pull my credit information, and have never filled out any forms or applied for any of their credit services, yet they have all made hard inquiries on my credit report. 

I 'm not sure if they are someone else 's accounts and being reported on mine, as my credit reports do not indicate that I have accounts with these businesses ; only that they are making hard inquiries on my credit report without my permission and damaging my score. 
",,Consent provided,Web,2015-10-06,Closed with non-monetary relief,Yes,No,CR1589335,3398
2015-10-01,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-10-05,Closed with explanation,Yes,Yes,CR1589612,2005
2015-10-01,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2015-10-01,Closed with explanation,Yes,No,CR1589210,396
2015-10-01,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,Consent not provided,Web,2015-10-06,Closed with explanation,Yes,Yes,CR1588832,1537
2015-09-30,Bank account or service,Checking account,Using a debit or ATM card,,"I bank with Eagle National Bank. A few weeks ago, I lost my debit card. I canceled the card on-line, and was issued another card. This card was linked to my checking account, but had a different card number than the lost debit card. A few days ago, I received an email notification that XXXX XXXX, a recurring auto-debit, could not process my payment of {$19.00} because the old card number did not work. I had not given XXXX the new debit card number. However, when I checked my bank account with EN a few days later, the {$19.00} payment had been processed. I looked at the XXXX XXXX account, and sure enough, XXXX had my new debit card on file and had charged the payment. This transaction overdrew my account, and EN charged me {$45.00} in fees. I spoke with a phone representative of EN who informed me that this is a common practice. If a recurring debit is denied, EN is required to provide certain companies with the new debit card information, regardless if the account holder authorized it or not. The representative would not reverse my fees. Unsatisfied with this answer, I visited a branch location in person. The personal banker was unaware of the practice of providing a company with a new debit card number without consent, and spoke with a manager on the phone. The manager was also unaware of this practice. After much debate, the branch officer reversed the {$45.00} fees. However, he still did not believe that I had not given XXXX the new card information myself. So ... I went home and did some research. Something called XXXX Account Updater will automatically update account information- including new card numbers- without consumer knowledge. I believe this practice should not be allowed to continue, and in no way truly benefits the consumer. It is a way for big banks and big business to further make a dime of the backs of the working class. Please investigate this practice For further information, please reference : XXXXThank you. 
",,Consent provided,Web,2015-09-30,Closed with explanation,Yes,No,CR1586830,2552
2015-09-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I HAD MY A/C WITH XXXX XXXX BANK SINCE XXXX XXXX AND LATER MERGED TO "" Eagle National Bank '' IN XXXX ALONG WITH MY SAFE DEPOSIT BOX. 
SAFE DEPOSIT BOX FEE WAS DETECTING AUTOMATICALLY FROM MY CHECKING A/C ANNUALLY. AFTER XXXX EN STOP TAKING OUT FEE FROM MY A/C, I AM BUSSY IN MY LIFE AND NEVER PAID ATTENTION, EN STAFF NEVER STOP TO GOING TO MY SAFE DEPOSIT BOX IN ALL YEARS AND IN AVERAGE ME AND MY WIFE WAS GOING TO CHECK OUR BOX THREE TO FIVE TIMES A YEAR. IN XXXX XXXX RIGHT FEW DAYS BEFORE WHEN I WAS GOING ON MY TRIP TO XXXX RECIEVED NOTICE FROM EN THAT YOU OWE US $ XXXX. IN PANIC I WENT TO MY EN BRANCH WHERE I HAVE BOX "" XXXX XXXX XXXX '' THAT STAFF GIVING RUN AROUND, I CAME BACK TO MY HOME AND CALLED EN HEADQUARTER AND REQUEST TO HANDLE THIS SITUATION, BUT NO HELP THEN I WENT BACK NEXT DAY TO BRANCH DUE TO I NEED TO TRAVEL IN FEW DAYS. 
BUT XXXX XXXX SAID TO ME THAT IF YOU DO NOT PAY THESE ALL YEARS RENTAL FEE PLUS ALL LATE CHARGES THEN WE WILL USE DRILL MACHINE AND CANCEL YOUR BOX, THEY NEVER SENT ME ANY TYPE OF NOTICE IN THOSE YEARS AND WAS NOT MY FAULT. 
I NEED TO TRAVEL IN FEW DAYS XXXX SO I PAID $ XXXX RIGHT A WAY, TOOK MY ALL STUFF FROM MY BOX AND EMPTIED AND CANCEL MY BOX, AND STOPED BY XXXX XXXX BANK AND OPEN NEW BOX. 
AFTER I RETURNED FROM MY TRIP AND TRY TO GET MY ALL CHARGES $ XXXX REIMBURSE AGAIN RUN AROUNDBESIDE XXXX XXXX HIS OTHER ASSOCIATE TALKED TO ME THEN VERY RUDE LADY WAS BAD APPROCED TO MESHAME, SHAME, SHAME AND SHAMETHEN I CALLED FEW TIMES TO EN HEADQUARTER AND THEY JUST TRANSFRED TO SAME BRANCH MY COMPLAINT. 
AFTER ALL DONE AT THE LAST BRANCH MANAGER "" XXXX XXXX '' CALLED ME AND REFUSED TO REIMBURSE MY ALL ILLEGAL CHARGES WHAT THEY COLLECTED ON XXXX XXXX XXXX. 
THANKS A LOT TO READ THIS COMPLAINT AND I SHALL BE GRATEFUL 
",,Consent provided,Web,2015-09-30,Closed with monetary relief,Yes,No,CR1586467,558
2015-09-30,Bank account or service,Checking account,Problems caused by my funds being low,,"Over the past couple months my Eagle National Bank checking account has started to receive a {$12.00} fee. I was told this {$12.00} fee is because I do not have a direct deposit of $ XXXX set up on my account. The {$12.00} is waived if you have a $ XXXX monthly direct deposit set up to the account. The problem is I have been conducting {$250.00} transfers from my account at another institution for over XXXX years and have never had a fee for this. So why now? I was told by an online representative that I am now receiving the fee because my transactions are transfers, not deposits. However, my girlfriend has relationships at the same places and conducts the exact same activity that I always have. She is not being charged the {$12.00} fee. How is it that BofA can be allowed to charge me but not her for the exact same activity? I believe this is a form of discrimination. Unless they can identify every person who transfers money instead of having it directly deposited and applies fees to all of those customers I should not be receiving this fee. Why I am I being targeted all of a sudden? My activity has never changed so why am I being charged for that now? 
",,Consent provided,Web,2015-09-30,Closed with monetary relief,Yes,No,CR1587164,2684
2015-09-30,Credit card,,Balance transfer,,"Good afternoon, I recently made two balance transfers to my Eagle National Bank World MasterCard in XX/XX/XXXX. I received a special offer for 0 % interest through XX/XX/XXXX in a direct mail offer which also referred me to the website to complete the balance transfer. I completed the transfers online after selecting the offer of 0 % through XX/XX/XXXX. Upon receiving my most recent statement, I recognized that the balance transfers are not reflected under any special promotion. The transfers are under terms for a 14.99 % APR. I contacted EN at XXXX. I was told by the Representative that there were no special offers associated with my account and that there had not been in over one year. I told him that I never would have transferred balances to a card with at 14.99 % APR. I shared that I felt this was a deceptive practice and a UDAAP violation. I told him I felt like I had been tricked into transferring balances to EN with the understanding of a 0 % APR until XXXX and am now incurring an interest fee of {$120.00} per month. He said there was no promotion offered and there was nothing he could do. 
",,Consent provided,Web,2015-09-30,Closed with non-monetary relief,Yes,No,CR1587694,4651
2015-09-30,Credit card,,Billing disputes,,"I have a credit card with Eagle National Bank that i have been trying to pay off for years. I have XXXX tiers of balances:1 ) Purcahse@7.24 % interest2 ) Direct Deposit and Check Cash advances@14.99 % interest3 ) Bank Cash Advances@19.24 % interest. 
I made the minimum payment of {$170.00} for XXXX 2015 that was due in XXXX 2015 on XXXX XXXX, 2015. I also made an additional payment of {$1100.00} to clear up my Bank Cash advances balance of {$1100.00} that had the highest interest rate of 19.24 %. The total payment made on XXXX/XXXX/2015 was for {$1300.00}. 

When I received my XXXX statement after making the minimum payment of {$170.00} as well as the additional {$1300.00}, which should have cleared up my "" Cash Advance '' balance, the statement reflected a balance of {$320.00} under the Cash Advance tier. 

In addition, the second highest interest rate tier balance, Direct Deposit and Check Cash advances, went from "" balance subject to interest rate '' of {$1500.00} in XXXX 2015 to {$1600.00} in XXXX 2015. How can my balance grow if I made the minimum payment AND paid an additional amount. This brings into question all of my past billing statements with Eagle National Bank that I have not reviewed as carefully. I would like a full review of my payment history and balances by the bank for the past 5 years. I do not trust that tehya re billing me accurately and fairly. 
",,Consent provided,Web,2015-09-30,Closed with explanation,Yes,No,CR1587397,4302
2015-09-30,Credit card,,Bankruptcy,,Okay I put my son on my credit card years ago as an authorized user only. I recently had to file bankruptcy and we both ( myself and my son ) where shocked to see it show up on his credit report. He has file a dispute concerning it and I contact the credit card company. The credit card company told me there was nothing they could do about it and that it would remain on there for 7 to 10 years. I feel like this is very wrong. He was added only as an user and the credit card company agrees with that. I told them they never tried to contact him or bill him and they actually closed his card before I filled but the 3 late payments and termination of his card effected his score. Is that not a law to protect him from this? If not anyone could be put on someone card and get hurt by them being late with a payment. It sure was n't disclosed to me that the acts of me would hurt him. Would you please let me know if there is anything I can do about this. Also please info any other parents that may add there children to there cards that it can later show up on their credit report. All my payments I made over since 2008 did not help his credit score though.,,Consent provided,Web,2015-09-30,Closed with non-monetary relief,Yes,No,CR1586158,427
2015-09-30,Bank account or service,Other bank product/service,Using a debit or ATM card,,"On XXXX XXXX 2015 I noticed a charge using my debit card for {$380.00} dollars. I contacted my bank Eagle National Bank and disputed the charge. The charge came from XXXX XXXX who I called prior to filing complaint and they advised me that they did not show me being charged this. I filed a complaint with Eagle National Bank on XXXX XXXX 2015 and they reissued me another debit card. I explained to them at the time that I never authorized Direct TV to make any charges to my card outside of monthly bill that I would call in to pay for service. Any how Eagle National Bank sided with XXXX XXXX and that was that for them. After calling around I found out why I received the Charge of {$380.00}. Prior to having Direct TV I had XXXX who had poor service in my area and with me traveling all the time I returned all their equipment and discontinued their service. This happen on XXXX/XXXX/2015 and I did not start up service with XXXX on XXXX/XXXX/2015. The XX/XX/XXXX XXXX merged with XXXX and They used my debit card to cover this charge from XXXX again who I never authorized to use my debit card. This is like someone hacking your account and taking whatever money they want and the bank saying OK. First this is a XXXX bank who should be bending over back wards for Americans if they want to operate in this country. Second and for the third time I never authorized this charge and even if I did owe XXXX money this is an improper and illegal way of collecting it. I feel the bank needs to be fined along with XXXX and XXXX. 
",,Consent provided,Web,2015-09-30,Closed with explanation,Yes,No,CR1587709,4833
2015-09-30,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX 2015. I went to my local Eagle National Bank at XXXX XXXX XXXX XXXX. in XXXX Fl. 
I attempted to deposit {$220.00} in cash. The ATM returned only {$180.00} dollars. It asked me how much money was in my deposit. Since it returned XXXX dollars. I said {$40.00} it gave me receipt. I thought since the money was not organized the was the problem. I attempted the deposit again. Put in the remaining XXXX. And it gave me XXXX back. Asked again and they mistake. I said XXXX again. It was actually XXXX. The next day I went inside bank and informed them and they credited me the XXXX dollar difference. 9'days later. They took the XXXX dollar out of my account as if I did not make deposits. I have went to bank 3 times complaining. They hated filed dispute 3 times to no avail. It 's not much money mbut its my money. And I would like it back. 
",,Consent provided,Web,2015-09-30,Closed with monetary relief,Yes,No,CR1586915,12616
2015-09-30,Credit card,,Other,,,,Consent not provided,Web,2015-09-30,Closed with explanation,Yes,Yes,CR1586199,1676
2015-09-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-09-30,Closed with monetary relief,Yes,No,CR1586303,2674
2015-09-29,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank I have noticed holds charges then submits to charge overdraft fees, example, I would use my debit on the XXXX for a burger and fry at XXXX, that transaction will hold 3 days then when account low, I become negative and they charge me, all my transactions are never in order.I was once charged a XXXX charge.I also filed a claim on a XXXX charge that wasnt r ight, I won it, recieved a letter stating its permanent for the bank to try and take it back out of my account and charge overdraft for it.Eagle National Bank will hold transactions to charge fees.On XXXX I woke up and my bill pay went through, its XXXX, now at XXXX I go to the XXXX and buy XXXX $ eorth of stuff, you put yhat transaction before the bill from when I eoke up, so u can charge a fee. 
",,Consent provided,Web,2015-09-29,Closed with explanation,Yes,No,CR1584139,3774
2015-09-29,Bank account or service,Checking account,Deposits and withdrawals,,"I lost my wallet on the bus about a year ago and someone used my debit card and put a false check and took out cash. I made complaints about it and they sent me to XXXX. I had all my information in my wallet. Besides my social security card. Please help me in solving this issue because I need my debit card back. Thank you. 
",,Consent provided,Web,2015-10-01,Closed with monetary relief,Yes,No,CR1584238,3170
2015-09-29,Bank account or service,Checking account,Problems caused by my funds being low,,"This past XXXX 2015 I opened a checking/savings account at Eagle National Bank XXXX XXXX branch ... the representative who opened the acct told me I could just use my checking acct and I would be safeguarded w/overdraft protection as well. During the next few months I noticed the bank kept transferring some $ fr checking to savings seemingly at random which they called "" keep the change '' which I was not told about nor did I want. In XXXX XXXX debited my acct right after I enrolled online w/my acct info when I did not have the funds, a few days later a cash advance company debited my acct for a loan after I spoke with them and asked not to as the funds were not in the acct yet ... the bank allowed these transactions causing my bank acct to overdraft {$300.00} + adding XXXX overdraft fees of {$35.00} each. I spoke with a rep to dispute the transactions and have them reversed including XXXX overdraft fee. I stated I would refuse to cover anything but XXXX overdraft fee as I was informed when it was opened I signed up for protection. They have kept the acct open now since then charging additional fees I get an email stating the acct is overdrawn at {$280.00}??? This is ridiculous ... this bank obviously has no ethical obligation or regard for its customers by ruining their credit history for their misinformation and total disregard. And I will not close this acct without them reversing all these bogus charges. I need assistance in this matter and how to proceed. I need to end this abuse on the part of this banking institution. Thank you. 
",,Consent provided,Web,2015-09-29,Closed with explanation,Yes,Yes,CR1584108,2840
2015-09-29,Credit card,,Privacy,,"CFBPI have XXXX Eagle National Bank Credit cards linked to my checking account. 
In XX/XX/XXXX Eagle National Bank ( I will use BofA as abbreviation ) sent me aLetter stating that I filed for Bankruptcy and they closed my accounts. I never filed BK and had no intention to file. I called them and disputed this and Bof A reopened my accounts around XX/XX/XXXX. 
XX/XX/XXXX BofA started auto dialing and text messaging me. I sent them a letter to stop doing this as it makes me have charges. They continued anyways. 
I also filed a privacy request with BofA to not share my information. BofA shared my personal credit information with their affiliates anyways. 
BofA has run my credit report XXXX times since XX/XX/XXXX a couple were on the same day. I did not give Eagle National Bank any authorization to make credit requests on my behalf. 
Around XX/XX/XXXX Bof A closed my accounts again. I called them and disputed the closing of my accounts and they reopened. They did not tell me they were running my credit as new inquiries. 
On XXXX BofA started making calls to me from blocked numbers. They use outsourced people from XXXX and the XXXX and when I got these incoming calls the persons were aggressive asking for my social, DOB, driver 's license etc. which seemed like a scam. I now know these calls were from Bof A and this person went to great efforts to harm me. 
I contacted BofA again on XX/XX/XXXX about XXXX letters they mailed to me stating they "" were denying my request '' I made no request of BofA. After several calls BofA now states they will take the hard credit inquiries off my credit profile which were unauthorized as they know I did not ask for new credit. 
BofA harms my credit score with all these inquiries, reporting me as closed accounts by the bank, and erroneous reports of 30 days late. 
I want to make a formal complaint about BofA 's unfair business practices and failure to follow privacy laws, fair credit laws, they lie and cause hardship to consumers and customers 
",,Consent provided,Web,2015-09-29,Closed with explanation,Yes,No,CR1586144,1142
2015-09-29,Credit card,,Delinquent account,,"FIA is incorrectly reporting a late payment of {$12.00} that is affecting my credit. This is an FCRA violation. The company erroneously removed my autopayment option from their system. When I contacted them to advise of this, they had no explanation for how my autopay option could have been removed, other than the company went through a system upgrade in XX/XX/XXXX which could have removed this. The representatives I spoke with stated they could submit a courtesy adjustment to remove from burueaus, but it would need to be approved first, and then it could take 30-90 days. This is an unacceptable timeline when it is no fault of my own that their system removed my autopay option. I have been a loyal FIA Platinum Plus Member for 13+ years, and never have missed a payment nor received or received such poor customer service. I attempted to escalate before submitting this complaint, but could not get anyone to help expedite my request for removal from the bureaus. I spoke with the representatives listed below over the course of one week. I would encourage the compliance team to listen to these calls. On several occassions, I was advised that I would receive a call back and never did. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
",,Consent provided,Web,2015-10-06,Closed with non-monetary relief,Yes,No,CR1584162,3404
2015-09-29,Credit card,,Billing disputes,,"XX/XX/XXXX I opened an account with XXXX and my account trader 's name was XXXX XXXX. After speaking with him for over an hour I asked him to send me the terms that we had agreed on for XXXX XXXX. He sent me an email dated XXXX XXXX & the subject at the top of the email stated "" I have attached the Terms & Confidential papers here. This email explains how he would be trading on my account to prevent any Risk of Loss of Money. Everything had been going well for 5 months.XXXX, when he asked me to deposit {$2000.00} and assured me that this money would be used for only one month. We XXXX agreed on the date that the money would be returned including the 3 % fee from XXXX.. THE DATE WE HAD CHOSEN WAS XXXX THE XXXX. I watched my account and when I did n't see the money returned in XXXX the XXXX I filed a dispute with Eagle National Bank and also with XXXX. I tried contacting XXXX XXXX and he never returned my phone calls. from that point. I filed a complaint with them and asked to speak to his supervisor. XXXX told me if I ever had any issues that I could always complain to my bank if he violated his Terms & Conditions for trading. I faxed the email that XXXX sent me to my bank that I have been a customer XX/XX/XXXX. XXXX lost {$2000.00} dollars and violated his agreement with me. I was able to salvage {$680.00} of the {$750.00} that had invested. The only reason I did n't recover more of my money is because XXXX placed my account on XXXX Trading when he abandoned my account which was also a breach of Contact without telling me anything. On XXXX the XXXX when I called to complain to XXXX. I had been calling then every week asking to speak to XXXX 's Supervisor and no one is returning my requests. I did not get what I was promised in his email and now he is trying to avoid all my phone calls. XXXX never mentioned anything about using the entire {$2000.00} for trading and told me he would only use a portion of it for trading. he states this his terms that he would not do. He always traded Conservatively. He Violated his terms for trading and also his terms to trade as my account manager when he left my account unattended witour Terms for Trading that he had done for over 4 months. XXXX always kept me advised of all his actions until my last Deposit of {$2000.00}. We never discussed what trades he was planning with that my but promised me as always that my money would be safe. For over 5XXXX months XXXX had kept his word to me and I still have no idea where the money went or how it was used, but he did break his promise of the way he had been trading for the past 5 months. He had made {$950.00} but this was all lost when he ditched my account and abandoned it for the XXXX to make the trading, which broke our contract because he was in charge of all trading with my account & he had removed his name from my account after the {$2000.00} went missing.. It appears no one in the XXXX XXXX keeps there word and I will never use Companies like these filled with gamblers who lie and steal their customers money. XXXX Breached our account when he removed his name from it without my consent or knowledge. When a person knows they have done something wrong they either face up to it or try to hide their mistake. XXXX Has chosen to be a XXXX and a Liar and completely abandoned my account with him. Eagle National Bank needs to call these people and speak to XXXX Supervisor to get the facts. He signed up to help me manage my account and then completely left it un-managed with no one watching over it. This was a breach of XXXX and XXXX. All phone calls are recorded, XXXX never told me he was leaving my account unattended.Our last conversation, XXXX XXXX will prove he never told me anything about what he was investing in. He did tell me my money would be returned with the the 3 % fee From Eagle National Bank 
",,Consent provided,Web,2015-09-30,Closed with monetary relief,Yes,No,CR1585758,4138
2015-09-29,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX/XXXX/2015 I went to Eagle National Bank at XXXX to withdrawl money thru ATM. I first tried to get {$300.00}, but I got messege that I was over daily limit which confused me since I had only made deposit earlier in the day. Since I got messege I decided to try {$200.00} and was able to get that and got a reciept which included my balance. I contacted the XXXX branch when I got my monthly statement and was told by Assitant manager they would look into it since they were having problems with machine. I just got letter saying they did n't find error and would not credit me. I find this hard to believe since I have reciept for my withdrawl and you would think a bank can add and subtract properly. I am looking at what courses of action I must take to protect me from this banks erroring ways so I am filing this official complaint, and/or filing theft charges against bank with police and hiring legal reprsentation to protect me. 
",,Consent provided,Web,2015-09-29,Closed with monetary relief,Yes,No,CR1585268,2782
2015-09-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-09-29,Closed with explanation,Yes,No,CR1585190,2769
2015-09-29,Credit card,,APR or interest rate,,,,Consent not provided,Web,2015-09-29,Closed with monetary relief,Yes,No,CR1585650,4961
2015-09-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-10-02,Closed with explanation,Yes,Yes,CR1585623,5366
2015-09-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-09-29,Closed with explanation,Yes,No,CR1584424,11130
2015-09-29,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-09-29,Closed with explanation,Yes,Yes,CR1585352,873
2015-09-28,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I filed a complaint with your agency, Case No. XXXXYou completely did nothing to help me. I never heard from you so I called your office late XXXX. XXXX of your staff told me that the reason my case was not resolved was because I was not clear with my desired resolution. I gave her my new mailing address because we moved from XXXX XXXX, XXXX XXXX, 2015. On XXXX XXXX, 2015, I wrote a letter and per your staff representatives specific instructions and forwarded it to your office ( see attached ) I have never heard anything more from Consumer Financial Protection Agency. 

I was cleaning out my file cabinet and saw my file for this matter last week. I went on line and found the link for me to see the status of my complaint. My old address was still there, the new address was not updated. I wrote to XXXX XXXX XXXX XXXX see attached ) on XXXX XXXX, 2015. 

I was trying to figure out how to get back into my case today and needed help. I called and a lady told me my case was closed. XXXX. She told me it was closed in XXXX, I told her that was impossible, that I had spoken with a CFPB staff representative the end of XXXX 2015 XXXX I will look for my phone audits that I have because of the type of accounts I have with XXXX XXXX and she told me the reason it had not been resolved is because I was not clear about my desired resolution. The representative even helped me with the specific language to write my letter and submit it. 

Today your representative said she probably could not help me because my online file was closed. I told her that is impossible, I had just logged in last XXXX, she disputed my information so I immediately logged in. 

Today your staff said I received a response and directed me to an attachment link on the page where it said a response was. I never knew this. I was not even aware until XXXX XXXX, that I could log on and see my case. 

I did open the file and was so upset, the response is worthless, obviously B of A read nothing! They tell me to go to my bank ... that is where I started and I am back at square one over a year later!!! OMG. 
I went to XXXX went to my bank and they gave me the information for B of A FIA Credit Card DepartmentI went to the Office of the XXXX Bank XXXX went to the Office of the ComptrollerI was instructed to go to you, The agency, Consumer Finance Protection BureauI am not better off than when I started. 

The attached letter your representative directed me to today is worthless, it says nothing, there is no way a person of integrity and honest person with B of A read my supportive documents and came up with this response. NEVER! 

How can your agency, funded to help individuals/companies like ours accept this generic letter and close my case? 

My last step is the US Attorney General if you do not find integrity and do the right thing, review all I have submitted, follow up with BofA and resolve this matter and provide my specific request of being reimbursed by XXXX/BofA. 

XXXX XXXX XXXX 
",,Consent provided,Web,2015-09-28,Closed with explanation,Yes,No,CR1584005,210
2015-09-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I opened a business merchant account about two months ago with Eagle National Bank in XXXX, WA. on XXXX XXXX. at zip code XXXX. I felt I was misrepresented about all the fees included in the merchant account service. I was informed that I would receive certain benefits with the merchant account like free cashier checks and money orders. On XX/XX/XXXX, I requested a money order and was informed I would have to pay for it. I informed the teller that money orders and cashier checks were free as a part of my merchant account she went to get the manager and the manager informed me no that was not the case and all the other situations were "" customer curtsy ''. I asked to speak to one of the sales person there and he looked it up and said yes, you are entitled to that service with your merchant account. The money order was never granted and the manager never apologized once the sales person corrected her. This location of Eagle National Bank is mostly XXXX run and I have been a business owner in this community since XX/XX/XXXX, as an XXXX. I have witness only XXXX XXXX employee there since XX/XX/XXXX. The manager who addressed me on XX/XX/XXXX was XXXX. She was unapologetic and her affect was mean and nasty as though she was looking down at me. The person who set up my merchant account was also XXXX and did not include additional fees ( I was told the machine would cost {$32.00} per month to rent but not informed the additional fees that came with the rental which was another {$4.00} then I was never told about the insurance that I would need which came to {$4.00} ). A lot of fees for a very small business like mine. I was also never informed that these fees would be separate from my monthly fee. I feel that XXXX are looked down on and a pattern of racial discrimination is taking place at this location with XXXX. Only XXXX XXXX employee in 11/12 years at this location, I am probably their only XXXX with a merchant account at this location, my account was never set up with the full benefits until XX/XX/XXXX, that others got. Other banks in the community have XXXX employees working for them. The point of banks besides holding our funds is suppose to be "" customer service ''. Well, no apology and no money order for this black man at that location that day. Service denied! 
",,Consent provided,Web,2015-09-28,Closed with explanation,Yes,Yes,CR1582982,1062
2015-09-28,Credit card,,Late fee,,"The XXXX month I paid my EN credit card statment XXXX cents short. The 2nd month came with that amount due plus a : '' minimum interest charge '' fee of {$1.00}. I called, was told as a long time customer they would waive it, so paid my balance minus the {$1.00}. the 3rd month - the charge remain plus incurred another "" minimum interest charge '' of {$1.00}, called and was told the {$3.00} would be removed, so paid the balance minus the {$3.00} ; 4th month, got a credit of {$3.00} but got another {$1.00} "" minimum interest charge. '' This time I was told even though EN was giving me credit, I had to pay the {$1.00}, because the credit would n't go into effect until after my balance w/the fee was paid. I would then receive a credit, which would then be applied to my future balance. Why? ca n't EN, when they say they 're going to remove their charge, remove it at that time like they do other vendor charges that are being credited back? Thank you. 
",Older American,Consent provided,Web,2015-09-28,Closed with monetary relief,Yes,No,CR1583098,6383
2015-09-28,Credit card,,APR or interest rate,,"We missed paying our balance in full by {$3.00} last month. We were charged {$9.00} in interest for that month and {$22.00} the next month, for a total of {$31.00} for a XXXX time {$3.00} error. Is n't that an excessive amount? 

The credit card company did waive the second interest charge, but I still think an interest should be charged on the amount past due and not on the total balance. 
",,Consent provided,Web,2015-09-28,Closed with monetary relief,Yes,No,CR1582562,1093
2015-09-28,Credit card,,Identity theft / Fraud / Embezzlement,,"I am a victim of identity theft. 

A target national bank account is appearing on my report that does not belong to me. after multiple disputes, and requests for verification, this company has refused to respond with any information on this account. 
",,Consent provided,Web,2015-09-28,Closed with explanation,Yes,Yes,CR1583608,2893
2015-09-28,Credit card,,Credit determination,,"Pulled credit report without permission. 
",,Consent provided,Web,2015-10-05,Closed with explanation,Yes,No,CR1582239,2513
2015-09-28,Credit card,,Credit determination,,"Pulled credit report without permission. 
",,Consent provided,Web,2015-09-30,Closed with explanation,Yes,No,CR1582242,6408
2015-09-28,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-09-28,Closed with non-monetary relief,Yes,No,CR1582146,5223
2015-09-28,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-09-28,Closed with explanation,Yes,Yes,CR1583612,4151
2015-09-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-30,Closed with explanation,Yes,No,CR1583735,2366
2015-09-28,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-09-28,Closed with monetary relief,Yes,No,CR1583622,590
2015-09-27,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank abruptly closed my account and kept my funds.I woke up XXXX XXXX XXXX 2015 only to find out my online banking access was disabled.I then traved to my nearest Atm to try to withdraw my funds only to find that my card has been blocked. I tried calling but all i got was scripted message from the CSR with no real explanation. These are terrible business practices and down right discriminatory. 
",,Consent provided,Web,2015-09-27,Closed with explanation,Yes,Yes,CR1582108,1004
2015-09-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I 'm so sick of Eagle National Bank.constantly sneakily stealing money from their Customers! I have well over the min Balance to waive "" maintenance fees '' yet they still once in.a while.sneakily Charge me. The min balanceone should have is XXXX and I have almost XXXX. It 's ridiculous. They need to be investigated because they do this too many people knowingly! If you do n't thoroughly inspect your back statements, you may unwilling be giving your money away to them. If course back of Ameeica customer service is almost non existence as well! They give you numbers to call, mainly wrong numbers and do nothing to fix the issue 
",,Consent provided,Web,2015-09-27,Closed with monetary relief,Yes,No,CR1581898,5978
2015-09-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am being threatened and harassed by XXXX and XXXX, and Eagle National Bank, to be sued for a debt that was settled out inXX/XX/XXXX. 
BOFA traded my Home Mortgage Account Manager XXXX times during myrequests in order to run out of time for me to refinance my home to a more affordable payment. I ended up losing the home in account of this unethical treatment in a short sale. 
for {$430000.00} when I owed XXXX. That alone covered the cost of thedebt in question and I have not been returned my profits. 
Also, BOFA illegally deposited my XX/XX/XXXX income tax return checks right before closing out my accounts without my knowledge andconfiscated the account balances. 
This was a loss of over {$20000.00} which is more than the debt inquestion. 
BOFA was found guilty in court XXXX BOFA and they are refusing toreimburse me for the fraudulent charges as well as payfees, penalties, interest, punitive damages. 
I have been swindled out my life savings by this company. I need helpwith this unreasonable treatment brought on by this unethical company. 
Please Advise ... 
",,Consent provided,Web,2015-09-27,Closed with explanation,Yes,Yes,CR1581867,968
2015-09-27,Credit card,,Closing/Cancelling account,,"i give the compleint of the Eagle National Bank because i have submited several aplications for credit and well reject because litelle information from the credit report y when opened secured credi card upon {$600.00} gave musta must a month i cosed the credit card of card secured by one payment {$500.00} dollrs wich was not doneand have resolved nothing fraude department of the Eagle National Bank no resoveld and my debit the charged to my name the account was opened XXXX XXXX XXXX and the BANKAMERICARDwich resolved anything 
",Servicemember,Consent provided,Web,2015-09-27,Closed with explanation,Yes,No,CR1581900,262
2015-09-27,Credit card,,Cash advance fee,,"I have XXXX Eagle National Bank credit cards. On XXXX/XXXX/2015 Eagle National Bank showed online that I had a roughly {$3000.00} dollar balance on credit card # XXXX. I, in fact, had a {$3000.00} dollar balance on credit card # XXXX. I paid {$3000.00} to credit card # XXXX. This resulted in a - {$2900.00} credit on credit card # XXXX. On XXXX/XXXX/2015 Eagle National Bank showed online that I still had a roughly {$2000.00} dollar balance on credit card # XXXX. I again paid {$2000.00} to credit card # XXXX. This resulted in a - {$4200.00} on credit card # XXXX. On XXXX/XXXX/2015 I attempted to shift {$3000.00} of then then - {$4100.00} credit back to my regular checking account with Eagle National Bank via the online transfer. I was charged a {$150.00} fee for this. At the time, I had a - {$4100.00} credit on the credit card. 
",,Consent provided,Web,2015-09-27,Closed with monetary relief,Yes,No,CR1581904,3136
2015-09-27,Credit card,,Cash advance fee,,"On XXXX/XXXX/15 I mistakenly sent a check to my EN credit card for $ XXXX.I had intended to send this check to another credit card company, having paid my account in full on the card in question on XXXX/XXXX/15. Realizing my error on XXXX/XXXX/15 I logged in online, confirming a credit balance of {$4400.00} on my account. I utilized their interaccount transfer function on the website to transfer the credit to my EN checking account. On XXXX/XXXX/15 EN charged me {$220.00} as a "" cash advance "" fee and subsequently has charged me {$5.00} in interest on XXXX/XXXX/15. I have discussed this with them, through XXXX levels of supervisors. It is acknowledged that no charges or interest should have been charged, but they insist that I must send them a check for {$4400.00} ( which is not owed ) before they can make a correction and later return that same amount. I refused to send such monies for what is an acknowledged bookkeeping error on their part. There is no reference in the interaccount transfer section of the website that any fees would be charged for transfer of a credit.I have been told that I have no further remedies available through their customer service department. 
",Older American,Consent provided,Web,2015-09-27,Closed with monetary relief,Yes,No,CR1581998,67
2015-09-27,Credit card,,Advertising and marketing,,"i applied for a Eagle National Bank credit card. was promised a {$200.00} sign on bonus if i spent {$1500.00} in the first 90 days. i did my part. the bank is not giving me the {$200.00} they promised 
",,Consent provided,Web,2015-09-27,Closed with explanation,Yes,No,CR1581954,4269
2015-09-27,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-09-30,Closed with explanation,Yes,No,CR1581981,13548
2015-09-26,Bank account or service,Checking account,"Account opening, closing, or management",,"The Attacks on XX/XX/XXXX leave a memory in my mind for the rest of my life. I knew immediately I wanted to get involved in any effort to prevent something like it from happening again on XXXX XXXX. Due to family medical issues I was not able to finish XXXX and obtain my diploma. This created a roadblock for me being able to join the Military. This roadblock would only be temporary. Before i could enlist I needed a XXXX certificate and at least XXXX credit hours of college level work. I knew part of my purpose to was to keep my family safe. It was XX/XX/XXXX when I finished my last class that would give me the college credit i needed to ship out for boot camp. I left for boot camp that XX/XX/XXXX. I already struggled to pay all of the bills i acculumated from the credit cards I was so easily approved for right out of XXXX. I thought i was ready for the life of living as an XXXX, XXXX with very minimal income. I also thought the personal reward living with purpose and defending my country far outweighed the cost of what I "" thought '' would be "" small '' credit impact. After bootcamp and advanced training. I wanted to try and repair some of the damage of little income coming in. I was trying to re-establish so I obtained a Eagle National Bank secured credit card. I gave Eagle National Bank XXXX Dollars. This was XXXX/XXXX/XXXX. I was particularly excited about the Eagle National Bank card because the agent who took my application mentioned being unsecured in as early as 6 months. Little did i know that 8 years would go by with no missed payments, per transunion credit report and my account would be closed, as charged off and past due with a balance below the amount i provided as a security deposit. I called every year asking about unsecuring my card and each year i was told i was not eligible at that time. Year after year i was charged interest against money I provided as a security deposit. I received account fee 's, I received late fee 's and I received annual fee 's. 8 years went by and I was rewarded for my long term investment with Eagle National Bank with a Charge off Credit Line Reporting, No Security Deposit and no notice. Not looking for confrontation I did n't escalate further when i called about the un secure status request. Today i am just pulling my credit and seeing that Eagle National Bank Charged off my Card with them. I 've received no phone calls, I 've received no emails, I 've received no letters. I have received fee 's though. The only reason i kept an open Eagle National Bank Checking Account was to pay my Eagle National Bank Credit Card. That was until they started charging me a fee to have that account. When i opened the account, i was told as long as i had a direct deposit, I would n't be charged a fee. I called about the fee and the associate said the program changed, you had to direct deposit over a XXXX-XXXX dollar amount or maintain that much in your account. i indicated that i had a secured credit card with XXXX dollars of my own money being held. I did n't understand why i needed to pay more fee 's. a couple of months fee 's were waived, but as the next month rolled around the fee was back. being fed up, i did n't know what to do. there is no winning with Eagle National Bank. 
",,Consent provided,Web,2015-09-26,Closed with explanation,Yes,No,CR1581782,843
2015-09-26,Credit card,,Credit determination,,"I had a Eagle National Bank Visa which had no balance. BofA started charging me a monthly fee for not carrying a balance without notice, then reported me to XXXX for not paying. The amount? XXXX dollars. This cause the rates to rise on all my accounts because my credit score went down. This is borderline extortion. 
",,Consent provided,Web,2015-09-26,Closed with explanation,Yes,No,CR1581602,3955
2015-09-26,Credit card,,Credit determination,,"XXXX ruined my credit rating. 
",Older American,Consent provided,Web,2015-09-29,Closed with monetary relief,Yes,Yes,CR1581642,3060
2015-09-26,Credit card,,Closing/Cancelling account,,"I was reviewing my credit report and found a chargeoff for {$21.00} was reported, along with 60 months of XXXX 's for {$21.00} balance. I do n't have any record of them contacting me collections or otherwise. I feel like they may have bad email address and were only sending email notices. I was sure I had closed this account and had no balance. 
",,Consent provided,Web,2015-09-26,Closed with monetary relief,Yes,No,CR1581604,4233
2015-09-25,Bank account or service,Checking account,Deposits and withdrawals,,"Went to check my balance on my account and noticed that there were XXXX transactions for a XXXX loan for {$94.00}. Check with the XXXX account hold to see if he made the payment and he said no. Call customer service to see if they can figure out what 's going on. Spoke with a customer service rep named XXXX .that told me I had to file a complaint with collection fraud. She transferred me over to XXXX that he could see it. But started to tell me about the other transactions on my account like my transfers. from my savings to.checking in which the days do n't add up from when I transferred money over. Then he told me there was no XXXX payment for {$94.00}. I told him yes there is or I wo n't be calling your company. And another thing he asked me for a verbal passwordthat I do n't remember doing. Please help this is the second time I am trying to like this bank but the more I stay the more problems I am having. 
",,Consent provided,Web,2015-09-25,Closed with monetary relief,Yes,No,CR1580132,1675
2015-09-25,Credit card,,Billing statement,,"Eagle National Bank mis applied my payments to the wrong balance transfer promotion and is charging me interest on the new balance. They are also NOT recognizing a "" Check Cash Advance '' promotional balance at the correct interest rate. I was told that "" you ca n't write/depsoit a check to yourself and deposit it in your own bank account. '' When I asked for the person to show me where it says that on the marketing brochure for the promotion, she referred me to the XXXX office. I spoke to someone in their XXXX office, which apparently handles disputes such as this and I was told, "" The bank had a major computer glitch earlier in the year that mis applied and mis calculated interest. XXXX accounts were effected and I assure you we are working to resolve the problem. You will see interest accumulate over the next several months on your statement but do n't worry about it, we are rectifying the problem and all fees and interest will be credited back to you at a later date. '' She could not give me a reference # of my dispute and asked me to call back in a month or so. The promotional balances on my statement do n't even add up to the entire balance due noted at the top of the statement. Further to this point of major computer errors, XXXX of the promotional balances appears to have shifted a decimal point and shows {$10000.00} in my favor. I compared to the previous statement and it 's clearly a computer error. My concern is that they will try and rectify the problem without any oversight and who knows how many XXXX of card holders will not even notice an error has been made and end up paying XXXX dollars of erroneous interest to the bank. 
",,Consent provided,Web,2015-09-25,Closed with monetary relief,Yes,No,CR1580201,3562
2015-09-25,Credit card,,Other,,"I have XXXX, sponsored by Eagle National Bank. I use it to accumulate miles for the mileage plan. I pay twice a month, and I never carry any balance. I pay a $ XXXX yearly fee. I believe I am being harassed by Eagle National Bank with frivolous card changes ( forcing me to update all my payment accounts ) and locks on my credit ( they claim suspicious use ) in order to make me close my account. Curious if others have had this problem. 
",Older American,Consent provided,Web,2015-09-25,Closed with explanation,Yes,Yes,CR1580890,3403
2015-09-25,Bank account or service,Checking account,Deposits and withdrawals,,"Checks on my account were counterfeited and forged and the bank Eagle National Bank refusesto refund monies and the overdraft fees associated with the forgery 
",Older American,Consent provided,Web,2015-09-25,Closed with explanation,Yes,Yes,CR1581365,3737
2015-09-25,Bank account or service,Savings account,Deposits and withdrawals,,,,Consent not provided,Web,2015-09-25,Closed with monetary relief,Yes,No,CR1579946,9987
2015-09-24,Bank account or service,Checking account,"Account opening, closing, or management",,"Dear Sir/Madam, I already complained about EN about a issue to cfpt ( Case number : XXXX ). The EN contact person named XXXX ' is in touch with us about the inquiry. She is repeating the same complaint whatever I complained about the EN. EN is not acknowledging the fact that there is a wrongdoing in the process of account opening. 
I went with the intention to get a promotion by opening account. If I am not eligible ( actually I am eligible which is my previous complaint ) they should have let me know so that I would n't have opened the account and end of story. Now my account was opened and I wasted lot to time to track this. 

1. I am looking for action from cfpb to stop this wrongdoing from EN side. 
2. I am looking for compensation for wasting my time to track and expose this. 
Here is the case Id with Eagle National Bank # XXXXOur EN Business Checking account # is XXXXXXXX XXXX ( XXXX - XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX 
",,Consent provided,Web,2015-09-25,Closed,Yes,Yes,CR1579434,1624
2015-09-24,Bank account or service,Checking account,Using a debit or ATM card,,"Without my prior knowledge or authorization, somehow XXXX obtained my new debit card number after my previous card was cancelled for fraud. Not sure if it was my bank or XXXX who passed my information on, however I have never knowingly consented to such a practice. My bank informed me that the only way a merchant should be receiving this information is through me. However, somewhere down the line my information was passed on and I would consider it fraud. 
",,Consent provided,Web,2015-09-24,Closed with explanation,Yes,Yes,CR1579572,9202
2015-09-24,Credit card,,Sale of account,,""" Eagle National Bank '' sold my debt, to a Law Firm. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I was with Bank America for 35 Years, same branch for Thirty Five Years. My parents bought their home, through Eagle National Bank, for 30 years. So XXXX years, collectively. My Credit Score was XXXX, in 2006. But because of my bad health, I live on XXXX, only. I have no assets, no investments, no savings account, zip! I have {$4.00} to my name! I was contacted by a "" Process Server '' XXXX XXXX XXXX XXXX delivery person was here. I did not answer the door! I have a XXXX XXXX, do they want to have a "" Wrongful Death Suit? '' Please leave me alone. I have nothing! I do have terrible health, and I am broke. A Law Suit is waste of your time, money, & energy, and very STRESSFUL. Do you need their E-Mail, if so, here it is. 
",,Consent provided,Web,2015-09-28,Closed with explanation,Yes,Yes,CR1579375,2223
2015-09-24,Credit card,,Delinquent account,,"I have been reported as dead 
",,Consent provided,Web,2015-09-29,Closed with explanation,Yes,No,CR1579322,141
2015-09-24,Credit card,,Closing/Cancelling account,,"I have charged off debt of {$3200.00} from a Eagle National Bank credit card. The account became delinquent in XXXX of 2009. Eagle National Bank gave me a 1099-C Form to file with my federal tax return. As instructed, I used the charged off debt as income. To date, Eagle National Bank is still reporting to the credit bureaus agencies that I account is active and open. I have called Eagle National Bank several times asking them to close the account and update it as charged off. EN told me that they ca n't legally collect on the debt because it it is charged off. The agent asked me to settle the {$3200.00} debt amount for {$2000.00}. I explained to EN that the debt is charged off and settled. More importantly, I already filed it with my tax return as income. Please help me in getting EN to close this account. 
",,Consent provided,Web,2015-09-24,Closed with non-monetary relief,Yes,No,CR1578459,96
2015-09-24,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I share a student savings and checking account with my niece who at the time was working XXXX part time jobs and a very good student. also practicing cheerleading for her school. She read on an instragram where she can make money. When she inquired with the guys that ( she did n't know / strangers ) set up the link she asked what she had to do and if it was legal. She was told that they needed her bank information and debit card. They also told her it was legitamit business and advised her money was to be put in her account but to show they did n't need her money and to prove this was n't a scam to take her money out of the account. She also asked whose money would go in and they said they had money investors. She asked them would it be checks or cash they did n't tell her just advised her again it was legal. The guys advised her these money investors for tax reasons had to spend so much a year and to meet some type of quota. 
She believed it was legal and met with this guy and gave him her debit card and texted her passwords user id and password for debit card after she took her money out of the account. The guy or guys went to the ATM MACHINE and deposited XXXX checks payable to my niece marked gifted in memo. The back of these checks were endorsed by the guy making the deposit into her savings at the ATM ( XXXX checks in the amount of {$780.00} each ) = {$1500.00}. Then the guy deposited XXXX more checks endorsed by him in the amount of {$780.00} each = {$1500.00} into my nieces checking account. A total of XXXX checks forging my nieces name marked as gifts payable to her. These deposits were made on XXXX/XXXX/2015. At the time of the deposits they did a withdrawal of XXXX. On XXXX/XXXX/2015 the guy did XXXX transactions. a online money transfer of {$300.00} and also a ATM withdrawal of {$600.00}. On the XXXX the guy made a ATM withdrawal of another {$600.00} from the ATM. He also went to XXXX IN XXXX NJ where he made XXXX purchases at the self service cashier and with each small purchase made a cash withdrawal of {$200.00} ( example XXXX item {$1.00} + {$200.00}. = {$200.00} ) On XXXX/XXXX/2015 my wife went to check something on our account and noticed that the savings and checking account shared by me with my niece showed negative balances and insufficient funds so we called the bank. They advised us of these purchases and we also advised them my niece was in Pa at cheerleading camp so she could n't have made deposits or withdrawals. We also went into the XXXX XXXX branch where they viewed the checks and the signatures and went into a file and viewed my signature card and my nieces showing not even close just scribbling. When we became aware of the fact my niece gave them all her info and card we went to the XXXX XXXX we told them the checks deposited were not either endorsed by me or my niece they got in touch with the fraud department on the phone the fraud department told us even though the checks were forged no fraud was committed because she gave them the card and info and we have to pay this back. We also asked them why that much money was allowed to be withdrawn when the funds we not cleared the bank managers told us it was done as a favor to us because we were long time customers of the bank. When my niece got back from Pa we went and filed a report and charges. The police arrested XXXX guys XXXX a minor from XXXX ( let out into his mothers custody ) the other guy from XXXX of age was let out on bail. The police got the ATM camera photos from the bank. Also we do not understand if a person is giving a check for a gift why write out XXXX individual checks to the same person in the same amount when you can just write out XXXX. We have received numerous calls from collection and after almost a month I was told by the girl i can file a complaint form for the forgery and some type of XXXX XXXX form. I also called my lawyer. 
",,Consent provided,Web,2015-09-24,Closed with explanation,Yes,No,CR1577981,8463
2015-09-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XXXX XXXX XXXX this year I made a donation in the amount of {$1000.00} dollars to XXXX XXXX XXXX XXXX, Eagle National Bank mistakenly deleted my account in the amount of {$10.00}. I contacted Eagle National Bank on XXXX at XXXX a.m. I spoke to a woman named XXXX. She advised me in 3-5 business days the remaining {$990.00} dollars would be debated and corrected. On XXXX I spoke to a man XXXX who stated the matter had been corrected and he would send me a canceled check I should receive in 3-5 business days. The check number XXXX, the number I called to speaks to all these individuals was XXXX XXXX. On XXXX XX/XX/2015 I received a letter stating the {$990.00} was debited from my account. I called XXXX XXXX and they had not received the balance of {$990.00} dollars as of XXXX XXXX. I called Eagle National Bank at the number in the letterXXXX XXXX, the letter was sent from : Eagle National Bank XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. I spoke to a woman named XXXX at XXXX [ XXXX XXXX on XX/XX/2015.She said this would take a month to resolve. This is totally unacceptable. 
",Older American,Consent provided,Web,2015-09-24,Closed with explanation,Yes,Yes,CR1579742,4331
2015-09-24,Credit card,,Identity theft / Fraud / Embezzlement,,"I have a Target credit card that I got behind on this year due to a layoff. In early XXXX 2015, I received a voicemail from their attorney XXXX XXXX XXXX. I called back and spoke with a rep who advised me of a payment plan I could sign up for. It called for payments of {$66.00} a month with the first payment due later that month. I advised I would like to sign up but told him I 'd have to call back because I did n't know the exact date I wanted to make the payment or which bank account I wanted to use. I did not advise of any bank account during the call or authorize any payments to be set up. He said ok and I advised I would call back. Money situation remained tight and I knew I could n't make a payment that month so I wanted to see how my situation was in a few weeks and did n't call back. I checked my XXXX XXXX XXXX account yesterday and noticed a {$66.00} payment had been processed and was returned by the bank because my account was already in the negative. I was charged a {$35.00} nsf charge for that payment. I do n't understand how Target and/or XXXX XXXX XXXX could take a payment from my account without any authorization from me. This just makes my bad financial situation even worse. I absolutely did not authorize any amount of payment to be automatically taken from my account. The check image in my checking account shows a {$66.00} payment drafted with Target 's name on it. I absolutely did not schedule any payment on Target 's website and with the payment being exactly {$66.00} I would assume the rep from the attorney 's office told Target that I would make the payment and they decided which bank account to use. I am very upset with both companies for trying to take a payment and I do not authorize them just setting up any more on their own. I want to make some sort of payment arrangements but at this point have a hard time dealing with the attorney. Being attorneys they should know what they have done is unlawful and needs to stop. If there is some way of looking up the recording of me speaking with the rep from the attorney 's office it will prove I did not authorize any payment and was never given the option to advise exactly when I wanted to make the payment, which bank account I wanted to use and I surely was not given any sort of confirmation number. Thank you. 
",,Consent provided,Web,2015-09-24,Closed with monetary relief,Yes,No,CR1578009,2195
2015-09-24,Credit card,,Billing disputes,,"My Complaint is regarding an extra {$12.00} charge that Target .com placed on my Target Credit Card when they sent me not XXXX pkg of XXXX XXXX Towels but XXXX pkgs of XXXX XXXX XXXX & I refused XXXX accept the Extra XXXX pkg from XXXX and the Paper Towels were Returned and was Received by Target Dock and sign by XXXX.Target has inform me that they wo n't refund the extra {$12.00} which I believe is illegal. 
",Older American,Consent provided,Web,2015-09-24,Closed with explanation,Yes,No,CR1579420,4937
2015-09-24,Credit card,,Billing statement,,,,Consent not provided,Web,2015-09-24,Closed with explanation,Yes,No,CR1579121,2537
2015-09-24,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-09-25,Closed with monetary relief,Yes,Yes,CR1579570,1924
2015-09-24,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-09-25,Closed with explanation,Yes,Yes,CR1579569,11362
2015-09-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-09-24,Closed with explanation,Yes,Yes,CR1578861,4558
2015-09-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-24,Closed with explanation,Yes,No,CR1578176,1564
2015-09-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-24,Closed with monetary relief,Yes,Yes,CR1579475,1240
2015-09-23,Bank account or service,Checking account,Deposits and withdrawals,,"Had XXXX overdrawn fees XXXX/XXXX/2015 for bofa.. XXXX of which were made a XXXX earlier than my deposit of {$410.00}, which would have covered everything therfore avoiding the XXXX hour time limit i have to bring everything current. Then they said i have extended overdrawn fee??? My account was not overdrawn for 5 consecutive days. I have receipts showing I brought it current. My account was current the day before. They say they can waive XXXX overdraft fee per year but they lie ... Liars have n't waived a fee in years.. And the the XXXX that I went overdrawn on I deposited the money XXXX hours after, but of course they tacked on the fees first, then they made my deposit after.. Eagle National Bank account # XXXX 
",,Consent provided,Web,2015-09-23,Closed with monetary relief,Yes,No,CR1576340,487
2015-09-23,Bank account or service,Checking account,Problems caused by my funds being low,,"Hello, Yesterday, the IRS put a levy against my bank account. Eagle National Bank decided to levy my entire amount then to charge me {$100.00} for admin fees -- - thus actually overdrafting an account that minutes earlier had over {$6000.00}. They then, of course, charged me an overdraft fee. 
I immediately called the IRS. We agreed that they could have {$1000.00} and they would release the rest right then. They said it could be instant or take 24 hours. Today, my account is still negative and another overdraft fee. I called the B of A legal department. They claimed they received the order to release this morning, and the funds should be available by tomorrow. I am guessing they will tack another overdraft fee on my account. 
I do n't understand why B of A levied a greater amount than I had in my account. They should have pulled their admin fee out first, of course. They purposely made my account negative. I got the levy released immediately. This is clearly just a mistake. I have been with the bank since I was XXXX ( XXXX now ). I do n't think I should be punished because B of A themselves overdrafted my account. I do n't think I should keep receiving overdraft fees because I am waiting for them to take the hold off of my account that they placed. 

Thank Eagle National Bank. 
",,Consent provided,Web,2015-09-23,Closed with monetary relief,Yes,No,CR1576398,1975
2015-09-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am a victim of identity theft. My personal information was stolen and used to open a credit account with Eagle National Bank. I never received any billing statements or was aware of this accounts existence until I checked my credit report. I immediately notified Eagle National Bank the account was not mine and I am a victim of identity theft. I also notified the police and filed an identity theft report and reported the theft. I filed with the Federal Trade Commission my ID Theft and when Eagle National Bank sent my documents, the billing address did n't even match mine nor the name of the account. Eagle National Bank continuously calls and tries to collect on this credit account that is n't mine and is a result of ID theft. They also are reporting this fraudulent account that they are aware of that is fraudulent to the credit bureaus and has verified it when I disputed it. 
",,Consent provided,Web,2015-09-23,Closed with explanation,Yes,Yes,CR1577555,2504
2015-09-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My client, XXXX XXXX took a refinanced mortgage from Eagle National Bank in XX/XX/XXXX as part of his loan product ; he was offered an option of "" The Eagle National Bank XXXX XXXX Protection Plan '' which was essentially a life and XXXX insurance program offered by the bank for all borrowers. Initially the local bank attempted to pressure him into not purchasing the plan. He purchased it for a ten year term. In XX/XX/XXXX, Eagle National Bank told him that it would be cancelling the his contract. After he vigorously protested, Eagle National Bank reinstated him through XX/XX/XXXX for the full ten year term. XX/XX/XXXX, the Bank indicated that it was discontinuing the program. It stopped accepting payments after XX/XX/XXXX. 
While the contract had language allowing the bank to cancel without reason upon sixty days notice XXXX XXXX relied on the ten year period covered by the term of the insurance. He is now in his XXXX and is unable to purchase XXXX and life insurance at comparable prices ; he specifically entered into the contract to protect his teenage daughter, in the event of his death or XXXX. Based on Eagle National Bank 's past actions of steering him away from the benefit and attempting to cancel it without cause in XX/XX/XXXX, I can draw no other conclusion that Eagle National Bank acted in bad faith. This also appears to be a classic bait and switch tactic, where the bank offers a promotion to sell a product and once the protect is purchased, it withdraws the promotion. 
",Older American,Consent provided,Web,2015-09-23,Closed with explanation,Yes,No,CR1577216,4532
2015-09-23,Bank account or service,Savings account,Deposits and withdrawals,,"On XX/XX/XXXX. I XXXX XXXX, a ( XXXX ) page letter from Bank of XXXX XXXX XXXX, XXXX, NY XXXX. Informed my savings account. XXXX XXXX XXXX. Case number landlord tenant XXXX XXXX. The XXXX page stated that {$4200.00} is being restrain by law to debit and restrict to account ending XXXX. But {$8500.00} is being attached and held in total plus {$100.00} processing fee. - BUT no safe deposit Box Number to locate where the money is being held. the XXXX page is restraining notice from a third party debt collector signed by an attorney BUT no a judge XXXX PAGE is an exemption notice not signed the XXXX and XXXX pages are Exemption forms Not sign. BUT The NOTICE of JUDGMENT signs by a Judge was NOT included. Which is required by federal and state LAW before. On XXXX XXXX, I spoke to XXXX XXXX at Eagle National Bank XXXX XXXX, XXXX NY she told called Eagle National Bank legal order Process and sole to XXXX XXXX and replied that the do n't have an judgement order for the {$8500.00}. Further that they do n't require Creditors to prove that they is a judgement. I involved my constitution right to face the evidence and to validate the debt of {$8500.00}. Plus {$100.00} processing fee. Furthermore I also since the was proof notice of the judgement. Eagle National Bank legal department illegally Froze my account improperly with the correct and just due process. Last I did n't get any notice from XXXX XXXX from XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX tell XXXX. I pray that an injunction be place on the freeze against my account and the proper and through investigation intimated on Eagle National Bank failure to comply with the proper due process. To reintegrate the creator did n't provide PROOF a copy of the judgment amount claim of {$4200.00} ( + {$4200.00} ) second no proof of letter showing prior notice of garnishment. Which must be a produce along with notice of garnishment. 
",,Consent provided,Web,2015-09-28,Closed with explanation,Yes,No,CR1577453,3602
2015-09-23,Credit card,,Balance transfer,,"Eagle National Bank sent me a promotional rate to use. I payed off my credit card with Eagle National Bank to take advantage of the new rate on the XXXX of XXXX they assured me I would have {$14.00} sent to my bank I called them XXXX of XXXX they assured me the funds were enroute. no money! I called today XXXX of XXXX they told me I had giving wrong acct info, expect deposit by XXXX of XXXX I ask them to ck there recordings of conversation they would not admit whose was at fault.senior in real hardship.help! 
",Older American,Consent provided,Web,2015-09-23,Closed with monetary relief,Yes,No,CR1577245,680
2015-09-23,Credit card,,Other,,,,Consent not provided,Web,2015-09-23,Closed with explanation,Yes,No,CR1575580,3146
2015-09-23,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-09-23,Closed with explanation,Yes,No,CR1575959,7855
2015-09-23,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-09-24,Closed with explanation,Yes,Yes,CR1575627,2700
2015-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-23,Closed with monetary relief,Yes,No,CR1577361,1213
2015-09-23,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-09-23,Closed with explanation,Yes,No,CR1575593,1823
2015-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-23,Closed with non-monetary relief,Yes,No,CR1575821,4741
2015-09-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-09-25,Closed with monetary relief,Yes,No,CR1577553,1686
2015-09-23,Bank account or service,Savings account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-09-23,Closed with explanation,Yes,No,CR1576388,3869
2015-09-22,Bank account or service,Checking account,"Account opening, closing, or management",,"I have bank documents that show closure of both personal checking and savings accounts at Eagle National Bank on XXXX XXXX 2015. However, the company an email on XXXX XXXX 2015 stating the checking account had a {$24.00} deficit after filing a written complaint with the Consumer Financial Protection Bureau. I placed a telephone inquiry to a banking representative XXXX XXXX 2015 about the deficit ; however the person was unwilling to provide any written documentation that verified the origin of the deficit, why the bank processed it on a closed account, why the bank reopened the account to process a transaction with neither my consent or authorization. 
",,Consent provided,Web,2015-09-22,Closed with monetary relief,Yes,No,CR1575536,3978
2015-09-22,Bank account or service,Checking account,Deposits and withdrawals,,"I made a deposit to open an account on XX/XX/XXXX. The hold policy, per their receipt, said that {$4800.00} would be available on XX/XX/XXXX. As of XX/XX/XXXX, no funds have been released from hold. I did an online chat to ask why the hold was still there and was told that the whole amount would be held until XX/XX/XXXX. 

This seems a clear regulation CC violation. 
",,Consent provided,Web,2015-09-22,Closed with explanation,Yes,Yes,CR1574864,3602
2015-09-22,Credit card,,Credit line increase/decrease,,"I applied and was awarded a Eagle National Bank Platinum MasterCard in 2013. They approved and awarded me a credit limit of {$10000.00}. I have paid consistently without incident. Now they have dropped my limit to {$8600.00} which has impacted my credit score because I owe {$7500.00}. So instead of being {$2500.00} away from be 50 % below the limit the credit limit keeps getting reduced as I pay the credit card down. So my credit score is lower then what it should be due to no fault of my own. Please request that Eagle National Bank increase the limit back to {$10000.00} as originally agreed. They do not have to permit or allow any future charges, but I want my credit score to increase by having them maintain our original agreement. Thank you for your assistance with this matter. 
",,Consent provided,Web,2015-09-22,Closed with explanation,Yes,Yes,CR1575193,960
2015-09-22,Credit card,,Closing/Cancelling account,,"I had a XXXX XXXX card through FIA Card Services. I misplaced the card and asked them to expedite one to me as I was leaving for NY. I received the card, activated it as instructed, and upon arriving in NY I used the card to pay for lunch. When I tried to use the card to pay for dinner later in the day, the card was declined. I called FIA and they were not able to give me a reason why it was declined ( they said for security reasons, which is XXXX ). They also locked my online account. Even though I answeredall of their security questions, they refused to unlock my card and account unless I answered questions which I could only do by looking at my account. One question was in regards to recurring monthly transactions on the card. I explained that I needed access to view my account in order to provide that info as I have recurring transactions on several cards but they refused to enable my card and unlock my account. I was of course quite upset and told them to cancel my card, but now they still wo n't unlock my account. As a result, I am unable to view my statements for this card, and unable to verify the payment that they just took from my checking account ( autopay ) and they one that they will be taking out soon. I do n't know if there is a law against doing this type of thing, but if there is n't then there should be. FIA Card Services should be punished for this type of behavior. 
",,Consent provided,Web,2015-09-22,Closed with explanation,Yes,Yes,CR1573750,699
2015-09-22,Bank account or service,Checking account,Using a debit or ATM card,,"Am Having A Problem With My Bank Account i Lost My Debit Card There Where Some Transaction Made On My Account That I Did Not Authorize Please Help Me Resolved This Issue i Made A Claim With Eagle National Bank on XXXX XXXX for {$41.00} $ XXXX Fee {$170.00} i did not made this transaction and the bank According to the bank investigation. they saying that the charges are valid and that this transaction are all valid. and the bank denied to credit the transaction please help me resolved this issue i use this account only for SSI Social Security Direct Deposit. and the account right now has a negative {$190.00} and i did not made this transaction and i also made a police report for this problem. 
",,Consent provided,Web,2015-09-22,Closed with explanation,Yes,No,CR1575322,1305
2015-09-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"XXXX XXXX XXXX ( Mortgage Loan ) and Eagle National Bank f/k/a XXXX did a loan with my fraudalent mortgage loan and Eagle National Bank cashed my check to mortgage officer without my knowledge. I have submitted a civil lawsuit in 2012 and nothing has been done at all. 
No response, no action has been taken on the situation. The amount of the check was {$120000.00} ( supported document attached ). 
XXXX XXXX XXXX approved a loan that should of never been authorized by the false documentation submitted on the application. 
XXXX at XXXX XXXX XXXX XXXX XXXX Pa had felony convincts who were working undercover on the mortgage loans ( under house arrest ) without our knowledge and did ponzi schemes, wire fraud, mail fraud, money laundering, racketering, theft by deception, theft with dishonety, bad checks, theft by disposition of funds, ( XXXX ) this felony convinct has been caught in XXXX different counties if Pa. as well. 
XXXX XXXX XXXX XXXX ) same charges as well. 
XXXX XXXX XXXX & Eagle National Bank have not responded with any remorse for their actiions. 
",,Consent provided,Web,2015-09-25,Closed with explanation,Yes,No,CR1575256,1872
2015-09-22,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-09-22,Closed with explanation,Yes,Yes,CR1573729,3967
2015-09-22,Bank account or service,Savings account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-09-22,Closed with monetary relief,Yes,No,CR1573949,1831
2015-09-21,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"I am currently a consumer of Eagle National Bank past 26 years. I am filing a XXXX complaint in regards to Eagle National Bank who forced an escrow account onto my mortgage loan, claims that I did not send them property taxes information. Now, my monthly loan payments will increase from {$470.00} a month to over {$1000.00} to cover the escrow amounts. I have never been late on the monthly loan payments ( 16 years ) and have made ever attempt to resolve this issue via certified mail and also by phone. Eagle National Bank have not resolve the issue ( s ) nor or they willing to assist me in remaining current with my monthly loan payments. 
",,Consent provided,Web,2015-09-21,Closed,Yes,Yes,CR1573234,8571
2015-09-21,Credit card,,Other fee,,"I live in New York XXXX and I have a Eagle National Bank credit card which I used to book my travel XXXX, through XXXX Airways, online. 
To my surprise, I saw in my CC statement, that EN has charged me XXXX Transaction fee even though the transaction was in XXXX XXXX as confirmed with XXXX Airways, and as stated in the invoice from XXXX Airways XXXX. I tried contacting the Bank through online chat, through calls and even walked over to the Bank. But the response from them was for me to check the Credit Card agreement which clearly states that the Bank would charge me a XXXX transaction fee. I however, kept repeating that this was not a XXXX transaction since the payment to XXXX Airways was in XXXX and not in XXXX. 
XXXX of their executives in the Claims department went on to say that because i was flying outside XXXX they consider it a XXXX transaction. Which does not make any sense to me. 
A XXXX transaction would be one where my Bank would have to pay to the vendor in a currency different from XXXX. That did not happen here. 
",,Consent provided,Web,2015-09-21,Closed with monetary relief,Yes,No,CR1572547,5093
2015-09-21,Credit card,,Other,,,,Consent not provided,Web,2015-09-21,Closed with explanation,Yes,No,CR1571871,13412
2015-09-21,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-09-23,Closed with monetary relief,Yes,No,CR1572010,4367
2015-09-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-09-21,Closed with monetary relief,Yes,No,CR1572078,1650
2015-09-21,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2015-09-21,Closed with monetary relief,Yes,No,CR1572181,1159
2015-09-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,"This is an issue concerning an international wire transfer. I had recently opened a basic checking and savings account with Eagle National Bank. At that point, they had proceeded to give me a form titled "" To Receive a Wire Transfer '', amongst other forms, in an official welcome packet. The teller then filled out the form, in regards to information such as "" Beneficiary Account # ''. 

I then gave said details to my father, in order for him to fulfill an international wire transfer, so I could receive funds to pay for my school tuition. The number written on the form, in my opinion, was written down differently as to what the actual account number was. This lead to my father 's international wire transfer being rejected. 

My father had originally sent an amount of XXXX XXXX, which had converted to XXXX US Dollars, at an exchange rate of XXXX ( XXXX to US Dollars ). However, when the money was returned, only an amount of XXXX XXXX, after an exchange of XXXX US Dollars at an exchange rate of XXXX was applied, was returned to my father, which has led to a substantial financial loss of XXXX XXXX. 

After hearing about this, I immediately proceeded to go to the Eagle National Bank branch, located on XXXX XXXX XXXX. After explaining my situation, I was told to wait for a long period of time for the manager to see me, repeatedly being told to come back at later times because she was not present. After finally being able to see her, I was abruptly dismissed from discussing the matter by her saying that that document was not an "" official '' document and that it was simply a courtesy to me, as well as her telling me that Eagle National Bank would not accept any liability for this. The meeting may have lasted for XXXX minutes or under. At this point, I ask you, how am I, as an unknowing customer, supposed to distinguish between what an official document is and what is not an official document when there is no clear labeling on any of the documents and does this warrant me losing XXXX XXXX, for a matter that I do not feel is my fault? 

After this incident, I explained to my father what had happened and he proceeded to go get his own explanation from his bank manager, XXXX XXXX, at XXXX, XXXX branch. He then told me that in order for an international wire transfer to be submitted it requires both a valid beneficiary name and beneficiary account number, which as you by now know was not present. If those aforementioned details are not available, the transfer amount is simply rejected and returned with no charges or internal exchange rates applied, except that of the administrative charges associated with international wire transfer, which in this case should be XXXX US Dollars. At this point, I have proceeded to approach you, the Consumer Financial Protection Bureau, to help me in resolving this case. Thank you. 
",,Consent provided,Web,2015-09-20,Closed with explanation,Yes,No,CR1571692,3197
2015-09-20,Credit card,,Billing disputes,,"I have been involved in a timeshare/vacation club scam in XXXX XXXX XXXX. A transaction was made with my Eagle National Bank Visa credit card. 

I called Eagle National Bank the day after the transaction suspecting fraud and asked them to stop payment on the charge. I was told the payment was in progress and there was nothing they could do until the transaction posted. 

After the transaction posted I contacted the Fraud Department and wished to file a claim. I was told by EN they only consider a transaction fraud if someone else uses your credit card. EN told me the only claim they could file is a billing dispute if I signed a contract. 

After investigating myself, it was an obvious scam with multiple threads on the internet involving XXXX XXXX, The Residency Collection, and Platinum Marketing. 

I sent a detailed letter with documentation disputing on the basis of fraudulent representation and failure to meet terms and conditions of the contract. The claim was denied. 

I contacted EN again and had to walk them through the contract where the terms were not met, and this was a supervisor. EN is holding fast that they can not collect from XXXX based on fraud, only a billing dispute, and the dispute has to be worded accordingly. The supervisor agreed to file another dispute focusing on failure to meet terms and conditions. The second dispute is in progress. 

This is absurd. I have fraud protection services with them. If they see suspicious activity, they will contact me and ask if I made the transaction. If I say no, they will stop payment. When I said I did sign a contract, but it was highly suspect of being fraud, they would not stop payment. 

XXXX and EN should better protect their consumers/customers. EN will get 12.99 % interest on the charge if they deny the claim. XXXX get a cut with every swipe of a credit card. I have all details I can forward or attach as PDF files. CREDIT CARD HAS BEEN CANCELLED TO PREVENT POSSIBILITY OF FURTHER FRAUD. Please contact me with any questions or guidance in this matter. 

Respectfully submitted, hopeful citizen. 
",,Consent provided,Web,2015-09-23,Closed with explanation,Yes,No,CR1571646,170
2015-09-20,Credit card,,Credit card protection / Debt protection,,"My credit card information was stolen and my credit card was used without my knowledge in XXXX 2015. I notified XXXX XXXX XXXX about the fraud. Credit card company agreed to waive my payment for unauthorized purchases in XXXX 2015. 
On XXXX XXXX, the company sent me letters and charged me total of {$430.00} without any explanation. 
",,Consent provided,Web,2015-09-23,Closed with explanation,Yes,Yes,CR1571696,6944
2015-09-20,Credit card,,Other fee,,"This complaint is for my Eagle National Bank credit card. 

BANKF OF AMERICA IS CHARGING INTEREST ON CHARGES THAT ARE NOT IN ARREARS! 

On XXXX/XXXX/2015 my amount due was XXXX. I pay my cards in full each month and did n't have any charges in XXXX 2015 so my account had XXXX balance and no interest charges for all of 2015. 
On XXXX/XXXX/2015 my BofA online account showed a payment of XXXX. XXXX cents short. The error was mine. I mistakenly typed in a XXXX instead of a XXXX. 
The next statement, on XXXX/XXXX/2015 showed an interest charge of XXXX. 
I called BofA XXXX on XXXX/XXXX/2015 and spoke with XXXX ( not sure of spelling ). 
She informed me that interest is charged in arrears. I asked her how they could charge me XXXX dollars for being XXXX cents overdue. 
She then informed me that I was being charged interest on approximately XXXX in charges made up to the point of payment. ( Those charges are legitimate and I am not disputing them ). 

Conclusion : with no prior interest charges and being past due from the previous billing cycle by XXXX cents, Eagle National Bank charged me interest on charges that WERE NOT PAST DUE. 
XXXX did reverse the incorrect interest charges but only due to my vigilance. 
I can only think that many people do n't know this especially if they carry a balance. 

I hope you pursue this. It is wrong. 
",,Consent provided,Web,2015-09-20,Closed with monetary relief,Yes,No,CR1571681,1189
2015-09-20,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-09-20,Closed with explanation,Yes,Yes,CR1571760,2309
2015-09-20,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-09-20,Closed with monetary relief,Yes,Yes,CR1571834,1629
2015-09-20,Credit card,,Other,,,,Consent not provided,Web,2015-09-20,Closed with explanation,Yes,No,CR1571796,1508
2015-09-20,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-09-20,Closed with explanation,Yes,No,CR1571722,3792
2015-09-19,Bank account or service,Other bank product/service,Using a debit or ATM card,,"Hello, I was trying to make an online purchase with my debit card. my problem started when I got a "" verified by visa '' window upon my payment confirmation. The page asks for SSN to verify the card 's holder identity. Eagle National Bank does not have my SSN in their database, because when I first opened my account I Had n't had an SSN. I called the customer service to solve this issue ( which they did last year, when I was trying to purchase a ticket from the SAME company ). After several attempts to reach a representative ( which took me literaly XXXX hour ), they promised to bypass the verified by visa page by sending an email to XXXX and ask them to lift the hold on my card. When I resumed my payment, the verified by XXXX window disappeared, by to my great surprise, my transaction was again denied, and I immidiately received a text message from Eagle National Bank saying that my card is restricted! I called the customer service again, and all they have to say was : "" We need to verify your identity, but this can not be done over phone! "". I was left with XXXX options, according to them : either to discuss this with your local BofA branch today ( they know that it is a saturday, so obviously the branch is closed! ) or to fax them XXXX copy of my passport, and XXXX back-front copy of my debit card with XXXX signatures! 
I am very disappointed because they ignored my request when I said that this restriction was put on my card right after the XXXX department lift the old on my card, and also because they refused any comprise, especially that it is a weekend and I have no access to a fax, nor could I possibly find an open branch on a saturday evening! I am also surprised and confused because the exact same issue happened to me last XXXX, but I did not have to go through all this frustration : Total non-chalance from the staff, plus a very rigid policy that do not even allow customers to negotiate. 
This is not the first time that they place a hold on my account for trivial reasons, but this time it is really intimidating, because I am left with no money over the weekend. I called to solve a problem, now I am left with a worse problem, which is not being able to manage my own money! Not to mention that by the time BofA "" solves '' this issue I might not find an available seat on this flight anymore on monday! 
",,Consent provided,Web,2015-09-19,Closed with non-monetary relief,Yes,No,CR1571440,44
2015-09-19,Bank account or service,Checking account,Deposits and withdrawals,,"Money was unauthorized and fraudulently taken from a family members bank acct who was very ill at the time and is now deceased. The bank acct was thru Eagle National Bank ... Can the transaction date and time be retrieved? and the actual person or persons who fraudulent took the funds from the acct? 
",Older American,Consent provided,Web,2015-09-19,Closed with explanation,Yes,No,CR1571545,504
2015-09-19,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX, 2015, Eagle National Bank, XXXX XXXX Branch gave my checking account information XXXX XXXX XXXX XXXX. Despite having a written policy against allowing anyone to deposit money into my bank accounts. Eagle National Bank willfully violated it 's own policy. I have XXXX previous open complaints against Eagle National Bank for violating this policy. 
",Older American,Consent provided,Web,2015-09-25,Closed with explanation,Yes,Yes,CR1571590,1330
2015-09-19,Bank account or service,Checking account,"Account opening, closing, or management",,"Sometime in the last 2 years, Eagle National Bank converted my checking account from XXXX that is free of charges to XXXX that requires a monthly minimum balance or certain amount of direct deposits each month to avoid a {$12.00} fee. In addition, Eagle National Bank locked my ability to transfer funds into the account sometime in the last year. In XXXX of 2015, my balance failed to meet the minimum requirements and I was charged this {$12.00} fee. I raised the issue with BofA and noted that I could not transfer additional funds into the account and asked for the fee to be refunded. They responded that they would not refund the fee and I promptly transferred my remaining funds from the account and told BofA to close the account. After the transfer, BofA charged me an additional maintenance fee, which then overdrew the account resulting in an overdraft fee of {$35.00}. Now BofA has informed me they will not close my account until I pay them the fees that they have charged me. 
",,Consent provided,Web,2015-09-19,Closed with monetary relief,Yes,No,CR1571596,2200
2015-09-19,Credit card,,Customer service / Customer relations,,"I had XXXX late payment back in XXXX to Target. Since then, every month when I make my on time payment they hold that payment for 2 weeks before it is applied to my account. I have called and spoken to the Manager to no avail. She says that is their policy when you have a late payment. I do not agree with this because the payment has already been deducted from my checking account. They will not take my word for it unless we have a conference call to my bank to verify this which is a long process. This is XXXX and I made my payment and was told the same thing again. Someone needs to change their policy regarding this. Maybe you can do something. I only had that XXXX late payment and only late by one day. 
",Older American,Consent provided,Web,2015-09-19,Closed with explanation,Yes,Yes,CR1571550,3
2015-09-19,Credit card,,Credit determination,,,,Consent not provided,Web,2015-09-23,Closed with explanation,Yes,Yes,CR1571480,1412
2015-09-18,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,"About two years ago I cashed in a CD that I had with Eagle National Bank. It was relatively small, around {$5000.00}. Being fairly poor though it was my life savings. I understood that by cashing in early I would lose the interest earned. That was what I agreed to when I set up the CD. My son had found a one time opportunity to buy something that he could almost immediately resell at substantial profit. I told him to spend the {$2000.00} he had on the goods and that I would replace the money from my CD. Once he spent his money it was critical that I follow through and reimburse him so I no longer had any choice on cashing in. When I ended the CD I was stunned that the bank penalized me over {$300.00} for the early withdrawal. The total earned interest was under {$60.00}. I was told that the bank had unilaterally changed the terms and was now penalizing me based on principal, not interest. I reminded them that I had never agreed to change the terms. They said they had sent notice but I never got one. I read correspondence from the banks when it concerns my money. I absolutely never received or agreed to this change in our agreement. I wrote XXXX letters to B of A about this and never received a response. In anger I closed my accounts with B of A and moved them to a locally owned bank. When I told them about being charged over {$300.00} for cashing in my CD in the XXXX month of a XXXX month term they said I had to be mistaken, no bank would do that. While I waited they called B of A and were stunned to find out that it was in fact true. Since that time I had to cash in CD with the new bank when my mother got sick and I had to travel to visit her. My new bank also had to penalize me for early withdrawal from a CD of the same amount. In this case it was XXXX months early. Their fee was XXXX. Yes XXXX. XXXX of the fee charged by B of A. That bank robbed me as surely as if they mugged me on the street. I 'm XXXX and live in poverty on Social Security XXXX. Please get my {$300.00} back from those heartless thieves at B of A. 
",Older American,Consent provided,Web,2015-09-18,Closed with monetary relief,Yes,No,CR1570514,2469
2015-09-18,Bank account or service,Checking account,"Account opening, closing, or management",,"I had an account with Eagle National Bank between XXXX and XXXX. I closed my account in XXXX. As background : In XXXX, Eagle National Bank unilaterally re-opened my account without my consent or knowledge, accepted EFT transfers from my previous employer ( who had sent them to BofA in error ) and then reactivated my auto bill-pay settings and disbursed money from my account - all without my knowledge. 

I have not had an account with Eagle National Bank since then. This week ( XXXX XXXX ) I received a customer email from Eagle National Bank advising me about new services for account holders. I just called Eagle National Bank today to ask why I 'm receiving emails. The customer support representative informed me that BofA never fully closed my account. 

I have not had access to any BofA account for years. I have not used their services for years. No BofA account appears on my credit reports - but somehow, BofA is continuing to operate an account in my name. Please advise if there is a way to force a bank to close an account. 
",,Consent provided,Web,2015-09-18,Closed with explanation,Yes,No,CR1570258,3437
2015-09-18,Bank account or service,Other bank product/service,Deposits and withdrawals,,"XX/XX/XXXX, 8 years ago, Eagle National Bank in XXXX XXXX, California, gave us the contents of a checking and savings and access to a EMPTY safe deposit for a deceased relative. 

Eagle National Bank withheld the existence of another safe deposit box for 8 years and only notified us XX/XX/XXXX, after they drilled it open and provided us an inventory which showed cash, legal docs, XXXX insurance policies, and other valuables. The inventory was conducted by Bank XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. However, they failed to sign the Inventory, as required by law. All signatures were left blank. 

I believe XXXX XXXX and XXXX XXXX stole the contents and only sent this notice because they did not expect for me to be living at the same address as the box owner 8 years later. Throughout these years they 've never notified me of the existence of the box and I 've lived at the same house that we inherited from the deceased and that is on the deceased 's account. 

Upon receipt of the notice of the box, I provided them with all the documentation they requested. Upon confirmation that they had received all the documentation they needed to release the property we had an appointment to get the contents. 

When I arrived for our appointment they first lied and said they could n't find it, then they found it but refused to release it because a "" mysterious '' person 's name had been added to the account. No one knows who this person is, not even the bank because there was no ssn, date of birth or any other identifying characteristics. The name was a common name that could be XXXX people. Based upon this unknown person, they refuse to give the us the property. 

Again, I suspect local bank employees or management, XXXX XXXX and XXXX XXXX have stolen the contents, placed some unknown fake name on the account and now the local branch is know covering up for them. They wo n't provide me with any procedures to recover the property and keep giving me the runaround. 

Please help. 
",,Consent provided,Web,2015-09-18,Closed with explanation,Yes,No,CR1571292,1636
2015-09-18,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"XXXX XXXX XXXX at Bankof America Corporate OFFICE Headquarters Bankof America XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX about i hadandaccountwiththeBank Account Number XXXX and Rrouting XXXX the Bank phone numberis XXXX XXXX XXXX theysaidtheBankaccountwasand XXXX XXXX XXXX XXXX/XXXXtosendbyXXXXonly {$75.00}, torecivers XXXX XXXX XXXX XXXXshesaidtheyhadDeposit XXXX} and i couldstartwithdraw XXXX/XXXX/15 i talk to Eagle National Bank atmyhomeandtheysaid i do not haveaccountwiththem andthatthis a scamtheyemai XXXXXXXXXXXX 
",,Consent provided,Web,2015-09-18,Closed with explanation,Yes,No,CR1569809,2197
2015-09-18,Credit card,,Closing/Cancelling account,,"Eagle National Bank has just cancelled my credit card. I received no notice whatsoever and they will not give details to why other than it being a "" business decision ''. My account had close to XXXX reward points that I have been accumulating for years and was counting on which will now be lost. I had an {$80000.00} credit line spending approximately XXXX monthly. I have spent over XXXX dollars over the last 11 years with them. I have never been late and always pay my bill in full. I have an excellent credit rating. There is no recourse nor contact to discuss this. It will eventually hit my credit report. Please help me. 
",,Consent provided,Web,2015-09-18,Closed with explanation,Yes,Yes,CR1570640,4801
2015-09-18,Credit card,,Closing/Cancelling account,,"I have filed a lawsuit against Eagle National Bank XXXX BofA XXXX for billing disputes. I won a judgment in small claims court XX/XX/XXXX against BofA. BofA appealed the judgment and I am currently in the Court XXXX in PA for this matter. My credit card expired XX/XX/XXXX. I did not receive my new credit card from BofA. When I contacted BofA XX/XX/XXXX to inquire of my new card, I was advised that my address on file was not correct and the card was previously returned to BofA and that BofA would expedite sending to me a new card. In 2 weeks I had not received the new card. At that time I was advised that my account had been closed. My account was not delinquent. I believe that BofA closed my credit card account in retaliation to my legal claim against BofA for unfair billing practices. The credit card is an affinity card for my XXXX School XXXX XXXX. The card also has a 6.99 % interest rate which is very economically beneficial for me. I would like to have my card reopened by BofA as they had no reason to close my account. 
",,Consent provided,Web,2015-09-18,Closed with explanation,Yes,No,CR1570461,138
2015-09-18,Credit card,,Billing disputes,,"i made XXXX purchases at XXXX and the XXXX purchase is fraudulent the clerk used my card fraud and i disputed and Eagle National Bank keeps charging me for this in violation of the fcba this has been going on for 5 mos now 
",,Consent provided,Web,2015-09-18,Closed with explanation,Yes,No,CR1570998,589
2015-09-18,Credit card,,Identity theft / Fraud / Embezzlement,,"On XXXX XXXX, I received an email from Eagle National Bank because there was suspicious activity on my Credit Card. Someone had made a purchase for {$400.00} at a XXXX XXXX XXXX, MA. A second large purchase was attempted but declined. I informed a representative from Eagle National Bank that the charges were indeed fraudulent. The charges were reversed from my account, the card was cancelled and my wife and I received new cards in the mail. 
Over two months later my wife and I shopped at XXXX and spent {$140.00XXXX. After checking out we realized that XXXX of the items we purchased was something that we did not need so we returned it and got a credit for {$29.00}. 
On XXXX/XXXX/15 a charge appeared on my statement for {$29.00} with the description "" Fraud Dispute. '' I called Eagle National Bank Credit Card Services and they informed me that it was decided that the charge was not fraudulent. I protested and upon further investigation and explanation, the representative told me that the charges were done by the computer system because it assumed that the merchant was issuing the credit ( for the fraud ) and they were taking back their credit. 
I stated that these stores were not even in the same area and that the amounts were not even close. The representative informed me that that was simply how the system worked. I caught this because I am someone who monitors my finances very closely and I fear that a lot of other people would not have caught it. I also question that if I return and other purchases from any XXXX that the credit I will get will be reversed by the Bank 's system. In the end the bank did agree to reverse the charge. I still however consider this a fraudulent business practice by Eagle National Bank Credit Card Services. 
",,Consent provided,Web,2015-09-18,Closed with explanation,Yes,No,CR1570857,4741
2015-09-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-09-23,Closed with explanation,Yes,No,CR1570445,1883
2015-09-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-18,Closed with explanation,Yes,Yes,CR1571041,4524
2015-09-18,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2015-09-18,Closed with monetary relief,Yes,No,CR1570823,6042
2015-09-17,Bank account or service,Checking account,Deposits and withdrawals,,"In XX/XX/2012, someone hacked into my email account and found emails between me and my lawyer in which I had given him my banking details. This person also got into my lawyer 's account and found information regarding another of his clients. This person then used the other client 's details and forged a check for {$8000.00} in her name which he then sent to my Eagle National Bankn account for deposit. The bank discovered that the check did not have enough funds to cover this amount and they returned it, causing both me and the owner of the account to get NSF fees charged against our accounts. I was unaware of any of this until Eagle National Bank notified me. They then closed my account and told me that I could not ever again have an account with them. They sent reports to both XXXX and XXXX XXXX saying that I had made an attempt to "" transact ( or attempt to transact ) with an account in an unauthorized or prohibited manner. '' This was incorrect. I did absolutely nothing wrong. I told Eagle National Bank what had happened, which my lawyer explained to me after I told him about it and he had heard as well from his other client. They refused to reconsider their decision. This has made it impossible for me to get an account with any bank anywhere. I tried to open an account with XXXX XXXX XXXX XXXX, in which I am a member of long-standing, but was denied because they told me that I had caused a loss at another financial organization. Eagle National Bank never said anything about any loss and there was none. I have attempted to open accounts at several other banks but have been refused there as well. All of this has ruined my financial credit. I did absolutely nothing wrong and am being punished for something that some internet hacker did to me. I need to get an account with a bank because all that I have now is a reloadable debit card with XXXX XXXX XXXX and this is not adequate for all of my needs. I have a lot of documents explaining everything that happened, but I can not attach them to this complaint and will have to send them to you separately. 
",Older American,Consent provided,Web,2015-09-17,Closed with explanation,Yes,No,CR1569286,2092
2015-09-17,Credit card,,Identity theft / Fraud / Embezzlement,,"A XXXX was submitted to the IRS by FIA Card Services XXXX Eagle National Bank XXXX claiming that they forgave and "" cancelled '' a debt of {$8600.00} for the year 2013 XXXX the entire account balance at the time ). The IRS responded by sending me notice that my total taxable income had increased due to this submission and that I am now liable to pay more tax on 2013 's taxable income. My account XXXX the only account ever XXXX still has a balance and was never "" forgiven ''. I have always made the proper payments and there 's nothing to show on any of my statements where a forgiveness of {$8600.00} happened, which was the entire remaining balance. Instead what it shows is a steady decrease as I have been making payments on time and higher than the minimum required. 
Talking with several reps at FIA Card Services I have found out there 's only a couple things they stated can happen. Send an amended XXXX to the IRS reflecting that this did n't occur, or if somehow it did, give the accurate dollar amount since it obviously did n't happen for the total balance of {$8600.00}. The IRS can then either stop the attempt to collect, or revise the amount they believe I owe based on the corrected amount. 
The other way it can go, according to the people at FIA Card Services is that the submission of a revised XXXX just does n't happen. XXXX different customer service reps with XXXX said the same thing ( possibly a script? ), which is that I "" could continue to pay as I have been or just stop paying the balance. If it stays being considered a forgiven debt that I would owe the IRS the proper amount for the "" increased income '', but would n't be required to continue paying the card balance off. '' If this is a realistic option then I have an important question regarding what I have paid towards the balance ( {$3800.00} XXXX since they claimed a balance of {$8600.00} was forgiven, after which the balance no longer existed according to the XXXX they submitted. I asked if those payments since then have been considered charity or maybe a gift to FIA Card Services, and if not how were they categorized? The customer service reps said again that it was up to me to "" voluntarily keep paying '' that balance but it did n't look like I was obligated to keep paying XXXX very murky advice to say the least ). I asked, if the entire balance was reported to the IRS as being forgiven, then what am I paying on? How can I log into my account and see a steadily decreasing balance since early 2013 ( currently at {$4700.00} XXXX? How can they welcome me to continue to pay "" voluntarily '' on a balance they took the option to write off? How can they claim "" a loss '' and get whatever accounting wizardry benefit from it, and at the same time allow me to keep paying on the same "" forgiven '' balance? 
In XXXX of 2013 this account was enrolled into a program I signed up for to help consolidate debts and lower interest rates a little. After the enrollment, BofA notified me the account and its card were unable to make new purchases. Apparently a XXXX auto pay was still in effect for 12 months after that point and they kept processing the payment ( the only charges made to the account after the enrollment, totaling {$1700.00} XXXX. When this was realized it was stopped & switched to my bank card. No other charges were ever made to the card since enrollment. XXXX XXXX rep said the debt "" write off '' would have been for that amount only. But {$1700.00} is n't even close to {$8600.00} as reported. I asked XXXX if it 's ultimately determined a "" forgiven '' debt, and I owe the IRS the amount they assessed, then how do I get back what I paid to them ( obviously in error ) since the "" write off '' occurred? She said I could be sure that FIA/BofA wo n't "" write me a check ''. 

They need to retract or correct the XXXX and I 'll keep paying the balance as I originally planned. Or keep the XXXX claiming a {$8600.00} write off, & return amount overpaid since the balance was "" forgiven ''. They can choose one. 
",,Consent provided,Web,2015-09-17,Closed with explanation,Yes,Yes,CR1568433,3777
2015-09-17,Credit card,,Identity theft / Fraud / Embezzlement,,"Sometime XX/XX/XXXX my wife applied for and was issued a credit card in her own name XXXX my name not associated ) from XXXX Bank XXXX perhaps their predecessor, XXXX XXXX. This was during the freewheeling credit period when banks were issuing credit cards to babies, names from tombstones and to family pets. Subsequent to the issuing of the card the account was sold many times to, among others, MBNA, XXXX XXXX, XXXX Bank, Eagle National Bank, and ultimately FIA Card Services. At some time during all these sales someone interjected my name as XXXX the owners of the account. My wife subsequently filed bankruptcy against the debt. FIA Card Services is now attempting collect this debt from me. I have spoken to and written to FIA Card Services on a number of occasions explaining their error but they refuse to acknowledge the mistake. I have asked for any documentation they may have that would associate me with the account such as a credit app or my signature on any purchase receipt or any other documentation they may have. They have replied on more than XXXX occasion that they are "" unable to locate the item ( s ) '' I have requested. Even though they have no valid reason to associate this debt with me FIA has reported this misinformation on my credit report and is now trying to extort money from me to satisfy this debt. 
FIA has admitted that they have no documentation to associate me with this debt and yet they continue to report this damaging information on my credit report. 
",Older American,Consent provided,Web,2015-09-17,Closed with non-monetary relief,Yes,No,CR1568359,1831
2015-09-17,Credit card,,Late fee,,"I signed up for eBilling and and set up automatic bill pay on my Target REDcard XX/XX/XXXX. My monthly bill was due on the XXXX of the month and I set the electronic payment to be sent one day before the due date. Beginning XX/XX/XXXX every month my bank sent electronic payment the day before the due date, Target received the money and waited 4 days to post it to my account and subsequently charged late fees that escalated from {$25.00} up to {$35.00}. For approximately 21 months consecutive months, I was charged a late fee and interest despite making payment in full. After I finally noticed the charges, I attempted to work with Target REDcard. They offered to credit XXXX fees, but when I said that would n't be sufficient and asked to close my account, they first would not do it and then just hung up. Eventually, I was able to cancel the account. 

I then talked to my bank and they pulled records indicating the payments were made in a timely manner and attempted to resolve the issue with Target. My bank called Target REDcard and asked "" If we provide proof that the payments were made in a timely manner, will you reverse the late charges? '' The REDcard rep seemed confused by the idea and my bank 's representative asked where she could send information proving the payments were made on time. After being put on hold several times, the REDcard rep just disconnected the call. 

I acknowledge that I should have verified that Target was attempting to steal money from me much earlier in the process and quickly discontinued doing any business with them, but my incorrect assumption that they were acting in good faith does not give them permission to scam me out of {$700.00} 
",,Consent provided,Web,2015-09-17,Closed with monetary relief,Yes,No,CR1568450,1360
2015-09-17,Credit card,,Bankruptcy,,,,Consent not provided,Web,2015-09-22,Closed with explanation,Yes,No,CR1568601,1683
2015-09-17,Credit card,,APR or interest rate,,,,Consent not provided,Web,2015-09-17,Closed with explanation,Yes,Yes,CR1569168,1237
2015-09-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-09-17,Closed with explanation,Yes,No,CR1568331,4476
2015-09-17,Bank account or service,Savings account,Using a debit or ATM card,,,,Consent not provided,Web,2015-09-17,Closed with monetary relief,Yes,No,CR1569001,10076
2015-09-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-17,Closed with explanation,Yes,No,CR1569098,4713
2015-09-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-17,Closed with monetary relief,Yes,No,CR1568149,1160
2015-09-16,Bank account or service,Checking account,Problems caused by my funds being low,,"I am very upset with Eagle National Bank on the {$700.00} they have taken from my checkingaccount since XXXX of 2014 up until today. Numerous times they have accessed overdraft fees of {$35.00} for overdrafts and extended overdrafts even though my account balance was positive but because debit card and checks where presented that night and only showing a processing and not actually been paid they are accessing the overdraft fees. This should be against the law. To make matters worse direct deposits of my paychecks are showing but only being cleared the next day so that they can deduct the overdrafts first then process my direct deposits. Is there anything that I can do or a lawyer that I can contact to sue B of A to get the {$700.00} overdraft fees returned to me? 
",,Consent provided,Web,2015-09-16,Closed with monetary relief,Yes,No,CR1566834,880
2015-09-16,Bank account or service,Checking account,Deposits and withdrawals,,"I had fraudulent activity occur on my Eagle National Bank Checking Account between XXXX XXXX - XXXX XXXX. I called in and filed a claim upon seeing this activity on my account, as the charges could not have come from me being that occured XXXX when I was in XXXX for business with my company. 

The bank refunded me the money stolen while they performed their investigation, but they failed to cancel the temporary card that these transactions occured on and fraud happened AGAIN on my account from XXXX - XXXX. They apologized for failing to cancel the breached card and credit my account once again but, 2-3 weeks later removed the money from my account stating that I could have made those fraudulent charges. I 've supplied them with documents from XXXX XXXX and the XXXX XXXX XXXX proving my stay there. I 've also showed the bank evidence of someone monitoring my account for funds XXXX making balance inquiries XXXX in the states of XXXX and XXXX and taking those funds only once I was paid and my accounts had a positive balance. 

Even with this proof and cooperation from the Airlines and Hotel showing my flight to and stay XXXX, Eagle National Bank has still been reluctant to give me back money that is rightfully mine although I clearly was not in the state to make those transactions and have proof. My account with Eagle National Bank has been compromised prior to this happening and was even compromised 2 weeks ago, although no money was taken this time but it still shows security flaws with their products. 

The claim is being reevaluated again, but the bank has been such a hassle to work with and the notes they 've been making on the claim have been unclear even to other representatives who end up handling the account. 
",,Consent provided,Web,2015-09-16,Closed with monetary relief,Yes,No,CR1567386,5320
2015-09-16,Credit card,,Balance transfer,,"Applied online for a balance transfer credit card, XX/XX/XXXX. Was informed that information would be sent, not informed of approval until materials received on or about XX/XX/XXXX Beginning of XX/XX/XXXX realized new account had paid maximum cash loan line to previously identified card. Billed for this on XXXX, statement period closed XX/XX/XXXX. Received bill for cash payment on account and transaction fee while loan terms were for no payments on balance transfers until XX/XX/XXXX, at 0 % interest. Customer service was unresponsive, claiming that various methods of application other than online could have led to different results. Loans approval paperwork and first payment request indicate balance transfer offer on loan transfers XX/XX/XXXX and no payments, no interest until XX/XX/XXXX. I have filed a report to Florida State Attorney General 's office this date. Please advise of further course of action. 
",Older American,Consent provided,Web,2015-09-16,Closed with explanation,Yes,No,CR1567481,579
2015-09-16,Credit card,,Advertising and marketing,,"Eagle National Bank did not credit me XXXX mile promotion for opening Alaska XXXX XXXX card 
",,Consent provided,Web,2015-09-16,Closed with explanation,Yes,No,CR1567479,11866
2015-09-16,Credit card,,Delinquent account,,"I was late on a payment once in the 3 years i had this credit card. I did not realize i had not paid a payment. I am currently trying to purchase my XXXX home, which has been my dream forever, and due to this XXXX late payment showing on the credit reports it is decreasing my score and hindering my chances of purchasing a home. Again, I dont want sympathy i know i have screwed up but i had the card 3 years and XX/XX/XXXX when I realized I had not paid the XX/XX/XXXX bill I paid the card totally off leaving a XXXX balance. I just want this taken off of my credit report. I have worked hard at rebuilding my credit since my Bankruptcy in XXXX. Thank you 
",,Consent provided,Web,2015-09-16,Closed with explanation,Yes,No,CR1566532,19
2015-09-16,Credit card,,Delinquent account,,"The bank did not validate this debt based on the FCRA. I do not owe the alleged debt. 
",,Consent provided,Web,2015-09-16,Closed with explanation,Yes,No,CR1566854,9456
2015-09-16,Credit card,,Delinquent account,,"I had an account with Target XXXX Bank Account XXXX and was charged off. They sold the account to XXXX XXXX Account XXXX and it 's reported as a collection account, this is a double reporting that is called double jeopardy, double damage to my credit report, I have been disputed this double reporting with other creditors and everybody else have removed XXXX of the accounts just Target and XXXX XXXX are really hard to deal with. 
",,Consent provided,Web,2015-09-16,Closed with explanation,Yes,Yes,CR1567647,3320
2015-09-16,Credit card,,Closing/Cancelling account,,"In XXXX I obtained a Eagle National Bank Credit Card. I always kept the card paid in full monthly. In XXXX I decided to cancel the card. I called Eagle National Bank and informed them I was canceling the card. Eagle National Bank gave me the balance and I paid it in full then cancelled the card. For three years I received no statements or any other communication from Eagle National Bank. In XXXX XXXX I received a letter from Eagle National Bank informing me I owed {$290.00}. Having no business with Eagle National Bank I suspected I was a victim of some sought of identity theft. I called the number on the letter. I was placed on hold for long periods of time, transferred several times then disconnected after about an hour. I attempted several more times to address the issue with Eagle National Bank through the number on the letter always with the say result of hours wasted only to be disconnected. I sent Eagle National Bank an E-mail and was informed by them that they could not address the issue by email and I should call the number on the letter. I informed Eagle National Bank that I had made three attempts calling their number and had lost faith in using it. Several weeks later I received a phone call from someone claiming to be a Eagle National Bank representative who was asking for all my personal information over the telephone, Social Security Number, Address, Birthday, Mothers maiden name, etc. Not knowing who I was speaking with I was reluctant to give my information out. Finally after giving up my birthday I was able to get some information. As it turned out when I cancelled the card Eagle National Bank did not give the proper payoff amount and, unknown to me Eagle National Bank left XXXX dollars on the account and left the account open. The woman I was speaking with informed me that the {$290.00} was interest the Bank was charging on the XXXX dollars they had left on the account. To me this is nothing less thee Credit Card Fraud conducted by the Eagle National Bank. I question how many others were subject to this tactic and just paid it? Eagle National Banks dishonesty has caused me damage as I depend on my good credit to maintain my Florida 's contractors license. I continue to receive letters, outrageous interest changes and damage to my good credit while Eagle National Bank continues this extortion tactic. I hope you can help me and possibly the other consumers who have been scammed by Eagle National Bank. 
",Older American,Consent provided,Web,2015-09-16,Closed with monetary relief,Yes,No,CR1567350,2411
2015-09-16,Credit card,,Other,,,,Consent not provided,Web,2015-09-16,Closed with explanation,Yes,No,CR1567717,4750
2015-09-16,Credit card,,APR or interest rate,,,Older American,Other,Web,2015-09-17,Closed with explanation,Yes,No,CR1567551,1147
2015-09-16,Credit card,,Balance transfer,,,,Consent not provided,Web,2015-09-16,Closed with monetary relief,Yes,No,CR1567483,718
2015-09-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-16,Closed with explanation,Yes,Yes,CR1567748,2689
2015-09-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-09-16,Closed with monetary relief,Yes,No,CR1567819,10492
2015-09-16,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-09-16,Closed with explanation,Yes,No,CR1567305,1284
2015-09-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,Other,Web,2015-09-16,Closed with monetary relief,Yes,No,CR1566688,11943
2015-09-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-29,Closed with explanation,Yes,Yes,CR1567682,2471
2015-09-15,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank is over charging me overdraft fee on a payment which was XXXX XXXX,2015 and it was paid XXXX XXXX 2015 
",,Consent provided,Web,2015-09-15,Closed with monetary relief,Yes,No,CR1564879,3345
2015-09-15,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I filed a BankAmericard Cash Rewards Card today, so I got declined from Eagle National Bank dated of XXXX XXXX, 2015 : Unfortunately, we 're unable to approve your application at this time. 
As a result of our decision, any balance transfer requests included with your credit application will not be processedXXXX, thanks for applyingI complain against Eagle National Bank for discriminated against my income and they made me in full of disrespect banking account notification to U.S. Senators and SPeaker XXXX XXXX. 
I am dual unhappy with Eagle National Bank responses involved due to unfit XXXX and XXXX residents notification to U.S. Senators, thank you, much! 
Sincerely, XXXX XXXX 
",,Consent provided,Web,2015-09-15,Closed with explanation,Yes,No,CR1566204,1096
2015-09-15,Bank account or service,Checking account,Problems caused by my funds being low,,"I just received Eagle National Bank 's latest disclosure on new fees they intend to begin charging in the as of XXXX, 2015. These include a "" Legal Process Fee '' of {$120.00} for each legal order they receive to freeze, attach or withhold funds, including attachment or garnishment, in a customers account. This is an exorbitant levy bearing no relationship to the cost of processing the request, that punishes customers who are in the midst of financial difficulties. Attached is a copy of the disclosure notice with the description of the fee circled. 
",Older American,Consent provided,Web,2015-09-15,Closed with explanation,Yes,Yes,CR1564953,5404
2015-09-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I want to report Eagle National Bank for its ethics. I have had accounts with them for a long time. In XXXX of this year I transferred a high balance account from XXXX dept. store for a lower interest rate. When I investigated why my balance never seemed to change, the woman at the bank told me my interest rate was 24.99 %. This is higher than the balance transfer from the department store than I transferred from. After many calls and chats with the bank, they told me that 4 years ago I had an XXXX XXXX card and charged {$3000.00}. with that interest 24.99 %, I have no recognition of that. I never had a card to use all these years with that number. It could be true, but I sincerely do n't remember. 

He said they have XXXX interest payments for different transactions on my account. They have been charging this interest rate for 4 years. When I applied for the loan to pay off XXXX dept. store, they broke it up in XXXX accounts. The highest balance was put on the 24.99 % loan. After 4 years, I still owe {$4600.00}. at that rate, I was paying back about {$1.00} a month. I called them several times and, since I have XXXX loans with them, the XXXX loan has an interest rate of 9.9 %, the other is 0 % interest until, I think, XXXX of 2016. I begged them to lower the interest rate to 9.9 % since they have never contacted me to let me know of any promotions to lower the interest. I was too stupid to monitor it until I realized that the amount was never going down and the XXXX interest was less then EN is charging me. At this rate it will take me 20 years to pay it off paying the minimum. 

I will be XXXX years old in three months. I live on SS and XXXX small pensions They refuse to lower the interest. Are banks regulated? They charge what they want to charge and have XXXX way system of charging you interest. They never tell you that. If you are late, they charge you a {$35.00}. late fee. If you can not pay on time or have no money, what makes them think that adding {$35.00}. will help the person. They refuse to help me unless I was homeless. I have spoken to several people at the bank. I made a partial payment last month in protest of the high interest that I never knew was that high, and paid my other XXXX. Now my credit score is impacted with this and all the other debt I am in. I wish SS would increase our money 24.99 % but they do n't. I think someone should look into the dishonest practices of Eagle National Bank. These banks are under-handed and take advantage of senior citizens. They are cold and unresponsive. They have had it too good for all these years. Is there any way you can help me? I would appreciate anything you can do to help me. 
",Older American,Consent provided,Web,2015-09-15,Closed with explanation,Yes,No,CR1564538,4319
2015-09-15,Credit card,,Transaction issue,,"Eagle National Bank has wrongfully, maliciously and fraudulently denied insurance for an auto accident rented under compliant terms as expressed by the bank. The subsequent communication has become more and more anfractuous by the bank as they continue to fabricate lies and misrepresentations about the circumstances and their coverage. They have used this wrongful denial and broken representation to leverage negative credit reports for XXXX people, XXXX of whom were not involved whatsoever in the incident. 
",Older American,Consent provided,Web,2015-09-15,Closed with explanation,Yes,Yes,CR1564963,11131
2015-09-15,Credit card,,Other fee,,"Last month I owed a small amount on a Eagle National Bank Credit Card because it is my alternate card and I do n't use it much. I was 3 days late paying, but I paid the amount charged in full. Eagle National Bank charged {$1.00} late fee, which they credited it back to me after I called but they did not consider that a payment, even though that credit zeroed out my account the same day as my payment. This month, I accrued some charges on my card and the statement period closed yesterday, XXXX. Today I see that they charged me 1 % of the total amount I spent for CURRENT month and called it INTEREST CHARGED ON PURCHASES. I am filing this complaint because this is a new fee that Eagle National Bank has implemented and I was unaware of it until I had to call to have the fee removed. After this incident, I went back to check previous statements and I see that they seem to have started XX/XX/XXXX and first appeared as a number of {$0.00} charges on my XXXX statement and each monthly statement thereafter. They were {$0.00} line items so I did n't think much about them. I have had this card since at least XX/XX/XXXX. I did not agree to any changes in my account. They refunded me the fees, but I believe this practice is deceptive and is probably generating a good amount of fees from people not paying as close attention to their statements. 
",,Consent provided,Web,2015-09-15,Closed with explanation,Yes,No,CR1564804,465
2015-09-15,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX, 2015, I opened a checking account with Eagle National Bank over the internet. I deposited {$100.00} and was given confirmation of opening account #. On XXXX XXXX, 2015, I received their "" Welcome to your new checking account '' snail mail. 

At XXXX on XXXX XXXX, I was awakened by an email from EN telling me that my deposit was unsuccessful and that I need to visit a store to make my initial deposit. At XXXX I called the number provided in the email ( XXXX ) to find out what happened to my money and the account I opened. The woman who answered the phone asked for my SSN and looked something up in the computer. She told me that someone closed the account and did not leave any note about why it was closed. 

I do n't care about the account anymore. They can keep it closed. My problem is that they closed the account and did not return any of my money. 
",,Consent provided,Web,2015-09-15,Closed with explanation,Yes,No,CR1564780,2442
2015-09-15,Credit card,,Billing disputes,,"good morning ... .i have had a target credit card for a few years ... ..i opted to have the payments automatically, until XXXX of 2015 ... ..at this time i decided i would prefer to pay each month, hoping to pay it off, instead of just the same amount every month ... .lo and behold, target would not allow me to do this and now they are holding my bank account hostage!!! XXXX agreed, back in XXXX that this was illigal, and supposedly placed a "" permanant '' stop payment on my account, for target ... .i closed my account and asked target to send me a paper statement and i would pay them by mail ... .they have since overridden everything and is still taking money from my account ... ..the bank is reneging, it seems, on their promise to return all of target requests so everyone has control of my checking account, But me!!!! ... .plrase help me in this matter ... thankyou ... 
",Older American,Consent provided,Web,2015-09-15,Closed with explanation,Yes,Yes,CR1564641,3956
2015-09-15,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-09-16,Closed with monetary relief,Yes,No,CR1564507,12416
2015-09-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-09-15,Closed with explanation,Yes,No,CR1564589,2501
2015-09-15,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-09-15,Closed with explanation,Yes,No,CR1565092,619
2015-09-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am extremely upset and spitting nails that I have been duped by XXXX XXXX in XXXX XXXX. He performed trickery and deceit and continued with deceit when I asked for assistance.I purchased a new business and was looking forward to canceling the account with XXXX and bringing everything to Eagle National Bank where my husband has numerous accounts ; I have accounts and where Ive brought my daughter to do her banking.When I opened the account with XXXX XXXX, she of course learned what we do and that we accept credit cards so she informed me that I should open a merchant account as well as an operating account ok great. In the following days I was contacted by XXXX XXXX and he met with XXXX of my partners and myself. Based on our discussion I had informed him that I travel and sell throughout the world and a terminal is not what I need to process cards ; Id much rather do it online. I also expressed that I am talking with others to get a better processing rate than what the company had been getting before.This is where the trickery and deceit comes into play he calls me and tells me that I need to be approved for a merchant services he never once explained that I was now going to be locked into a 3 year agreement and that I was getting a terminal in the mail and paperwork from XXXX XXXX that states that I am locked in a 48 month agreement for $ XXXXI contacted him once I received the terminal and told him I didnt want it I want to return it and how does that happen? No response I contacted him again and explained that I hadnt heard from him and I need to know whats going on because Im being charged for things I dont want!!! His reply now I did make the request for you, to cancel, based on your emailed explanation you sent me. XXXX and as well XXXX XXXX XXXX XXXX ( XXXX does the leases and XXXX XXXX supports the processing account ) both declined to cancel and asked me to remind that the emailed agreements that you signed with the Docusign electronic acceptance, are non-cancellable, and only in rare cases where the equipment is defective or can not function properly, after gaining terminal technical support, are considered for release from the agreement terms. Merchant customer service contact phone is XXXX, and XXXX can be reached at XXXXXXXXPlease contact the merchant support and XXXX if you prefer to speak with them directly about the reason you are asking for cancelling. So dont I feel extremely stupid that I signed the Docusign electronic acceptance. I did so while he was on the phone with me he not once made me feel like I am signing to a 3 year merchant services contract and a 48 month terminal ( which he already knew I didnt want when we met in person )!!! It was just a simple form to get approved for an account. While he was on the telephone with me and he directed me to the link for the document scroll down to the red box ; initial here ; sign here ; scroll down to the red box ; initial here ; sign there Great ; Ill let you kow if youve been approved.SCAM SCAM SCAM DECEIT AND TRICKERY! At this point in time I want to close all of my and my familys accounts stand on a roof top and scream NEVER TRUST Eagle National Bank!!!! I want this fixed I dont want what he did to me! 
",,Consent provided,Web,2015-09-14,Closed with monetary relief,Yes,No,CR1563117,11286
2015-09-14,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,"I was referred to your office by XXXX at Office of Controller of Currency. I have a Certificate of Deposit, issued by XXXX Bank ( now Eagle National Bank ) of XXXX XXXX FL on XX/XX/XXXX. This was sent to me by FL Dept. Financial Svs, Bureau of Unclaimed Property, a content of my deceased father 's safe deposit box. The CD number is XXXX customer name XXXX XXXX XXXX or XXXX XXXX XXXX, both deceased. Eagle National Bank said they would have sent the funds to the State. The State of Florida denies this. I have much correspondence if you want copies since I have been requesting this information from the State of Florida, Office of XXXX XXXX, XXXX, since XX/XX/XXXX. I want to know where the money paid for this CD is as it now belongs to me. I will appreciate your help. Thank you. 
",,Consent provided,Web,2015-09-16,Closed with explanation,Yes,No,CR1563030,753
2015-09-14,Bank account or service,Checking account,Deposits and withdrawals,,"We made a Check Fraud Claim on XXXX/XXXX/2015 to Eagle National Bank for a stolen and fraudulently endorse check. 
We wrote a check on XXXX/XXXX/2015 for a mortgage payment of XXXX mailed to XXXX XXXX XXXX. 
On XXXX/XXXX/2015, we reported to Eagle National Bank of a fraudulent endorsement on the check, that XXXX XXXX XXXX denied receiving or cashing the check, and XXXX stated they would not endorse a check by hand signature. 
We completed a Fraud Statement for Eagle National Bank on XXXX/XXXX/2015. 
In the following weeks, I made several calls requesting an update. Eagle National Bank was only able to inform me the bank of first deposit was XXXX without additional information. 
On XXXX/XXXX/2015, I requested a "" recredit '' or "" provisional credit '' in light of the waiting time and the fact I had made a substitute mortgage payment on XX/XX/XXXX to cover the missing check. I was told the analyst for my case would call me. I did not receive a call. 
On XXXX/XXXX/2015, I followed-up and was informed the analyst had left me a message on XX/XX/XXXX which I was unable to confirm. An analyst, XXXX ( who was not our case analyst ), told me that Eagle National Bank would not provide a provisional credit in the case of a false endorsement and that she was unaware of any "" recredit '' provision of law. She stated it may take 30-60 days for XXXX to respond, which is unacceptable. She provided me with the following information : XXXX was the bank of first deposit and an electronic reference #. She was unable to provide a particular branch, a telephone number nor mailing address for contacting XXXX. 
On XXXX/XXXX/2015, in a follow-up call by my spouse, our Case manager/Analyst XXXX ( XXXX? ) informed us she would ( finally ) call XXXX with a follow-up. We are unaware why we could not receive the phone number for us to call XXXX directly. My spouse was informed it could take 60-90 days. 
",,Consent provided,Web,2015-09-14,Closed with non-monetary relief,Yes,Yes,CR1563380,3977
2015-09-14,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"XXXX XXXX XXXX XXXX XXXX, AZ XXXX : ( XXXX ) XXXXXXXXXXXX No : XXXX No : XXXX Discrimination based on my sex and race ( nationality ) on Eagle National Bank Customers Service DEAR : EXECUTIVE BANKER I EXPERIENCED DISCRIMINATION IN Eagle National Bank CAUSING HARM, PAIN, AFFECTING ME EMOTIONALLY, PHYSICALLY AND FINANCIAL SPENDING A LOT OF MONEY DOING THE CLAIMS FRAUD INVESTIGATOR JOB. 
A BANKER NAMED ( XXXX ) FROM ELECTRONICS ATM/DEBIT CLAIM DEPARTMENT CONFESS TO ME THAT INVESTIGATOR NO MATTER WHAT WILL ALWAYS UNFAIR DENIED CLAIMS WITHOUT CHECKING AND LOSING THEIR TIME TO INVESTIGATE OR SCALATE BECAUSE THEY KNEW THEY HAVE TO REFUND IT AND MAINTAINED WITH LIES AND NEVER INVESTIGATOR DID NOTHING AT ALL. 
AND I THOUGHT Eagle National Bank XXXX SUPERVISOR FROM ELECTRONICS ATM/DEBIT CLAIMS DEPARTMENT XXXX NAMED XXXX AND XXXX WHO GIVE ME THE COMPLAINT NUMBER XXXX AND XXXX GIVE XXXX COMPLAINT NUMBERS SAYING SHE GON NA TAKE THAT ISSUE TO SEND IT TO THE HIGH AUTHORITY TO TAKE ACTION OF THIS DISCRIMINATION COMPLAINT TO TAKE ACTION OF THIS MATTER SOLVING THIS UNFAIR CLAIMS DENIED. 
BY THE TIME I FEEL SOMETHING INSIDE ME THAT SHE WAS LYING AS WELL, AND I DECIDED TO STEP A Eagle National Bank BRANCH XXXX I 'M NOT GON NA SAY WERE BECAUSE WILL BE UNFAIR FOR ALL HELP I 'M RECEIVING ) THE BIG SURPRISE THAT MY FEELINGS ABOUT SOMETHING NOT OK WAS TRUE, COMPLAINT ISSUE WAS NOT SEND BY NO WHERE, BANKERS JUST TYPE IT IN MY NOTES AND FINISH, NEVER DID NOTHING TO SEND COMPLAINT TO CORPORATION OR TO SOLVE IT, TELLING ME LIES, LIKE CLAIMS INVESTIGATOR DEPARTMENT THAT NEVER DID THE RIGHT STEPS, AND KEEP SAYING THAT I CALL IN XX/XX/XXXX MONTHS LATER OF THE INCIDENT OCCUR, SOMETHING THAT I HAVE PROVE OF SUCH LIE OF BANKET BECAUSE I HAVE EVIDENCE OF CLAIMS HAVE HONORED IN XX/XX/XXXX AND MY CALL IN XXXX XXXX WERE CLAIMS DEPARTMENT UNFAIR DENIED THE SAME FRAUD CLAIM, WHERE IT WAS HONORED BEEN IN THE SAME CLAIM NO # XXXX XX/XX/XXXX THRU XX/XX/XXXX WERE LATER I KNEW WHY BANKER DENIED CLAIMS, BECAUSE WAS A BIG AMOUNT, KNOWING THAT WAS FRAUD, MAKING EXCUSES TO DENIED ALL SATISFACTORY CLAIMS. 

ON XX/XX/XXXX I EXPERIENCED DISCRIMINATION BASED ON MY XXXX XXXX AND NATIONALITY WERE BANKER REFUSE TO PROVIDE SERVICE BY TELLING THE STATUS INFORMATION OF MY ACCOUNT, SAYING THAT I WAS N'T XXXX XXXX, BECAUSE IS A GIRL VOICE AND NOT A MALE VOICE AFTER GIVING ALRIGHT INFORMATION OF MY ACCOUNT, ANSWERING EVERY SINGLE QUESTION GIVEN HER THE RIGHT INFORMATION AND STILL, WERE I SAY TO BANKER XXXX THAT MY VOICE ALWAYS WAS LIKE THAT, BUT BANKER DOES N'T CARE WHERE I WAS DISCRIMINATED BECAUSE MY XXXX XXXX, REFUSING THE SERVICE OF MY OWN ACCOUNT. CAUSING HARM AND FINANCIAL LOST. 

THE SECOND Eagle National Bank BANKER DISCRIMINATION BASED ON MY RACE ON XX/XX/XXXX BY XXXX OR XXXX REFUSING A SPANISH BANKER AND MAKE ME TALK THRU ALL THE CONVERSATION ABOUT THE CLAIMS FRAUD ISSUE WERE BANKER WAS SAYING THAT I WAS CONTRADICTING MYSELF ABOUT CLAIMS, WERE I TRY MY BEST TO SPEAK IT BUT I KNEW WAS HARDER FOR ME. 
I TRY TO MAKE MY CONVERSATION CLEAR AND UNDERSTABLE AND ASK HER AGAIN BY A SPANISH BANKER AND DID NOT HELP ME BY GETTING A TRANSLATE SPEAKER AND BANKER WAS BEEN SARCASTIC SAYING "" I 'M SORRY I DO N'T UNDERSTAND WHAT YOU TRY TO SAY '' AND SAYING "" I 'M SORRY I WILL HAVE TO DENIED CLAIMS AND YOU WILL HAVE TO SOLVE IT WITH YOUR DAD IN THE COURT, UNFAIR DENIED CLAIMS, DISCRIMINATE ME BY NOT SPEAK FLUENT ENGLISH REFUSING A XXXX BANKER, DENIED UNFAIRLY MY CLAIMS CAUSING HARM, PAIN, SUFFERING PHYSICAL CAUSING A BIG IMPACT IN MY LIFE WHERE I HAVE PROVE FOR EMPLOYEE OF Eagle National Bank DISCRIMINATED AND EVIDENCE OF UNFAIR CLAIMS AND LIES IMPACT 
",,Consent provided,Web,2015-09-14,Closed with explanation,Yes,Yes,CR1562611,607
2015-09-14,Credit card,,Rewards,,"I have XXXX of Eagle National Bank Credit cards, XXXX is power rewardssignature visa, XXXX is cash rewards signature visa. Eagle National Bankcredit department closed my both account without any notice, and all of mycash or power points rewards are forfeited. I do not violate any T & Cs of credit card agreement or rewards program rule, and both of my credit card account remains in good standing, I want Eagle National Bank refund all cash or power rewards to me 
",,Consent provided,Web,2015-09-14,Closed with explanation,Yes,No,CR1563066,4240
2015-09-14,Credit card,,Other,,,,Consent not provided,Web,2015-09-16,Closed with explanation,Yes,No,CR1564105,107
2015-09-14,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-09-14,Closed with explanation,Yes,No,CR1563417,13172
2015-09-14,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-09-15,Closed with explanation,Yes,Yes,CR1564016,1375
2015-09-14,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-09-14,Closed with explanation,Yes,No,CR1564202,331
2015-09-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-16,Closed with monetary relief,Yes,No,CR1562623,1177
2015-09-13,Credit card,,Billing disputes,,"For several weeks, I tried calling TARGET 'S number listed on the credit card bill to talk to someone but kept getting disconnected. How is a consumer supposed to communicate with their credit card company if the number is not valid? I got through once, was transferred and spoke to a person named XXXX about not receiving my credit card that i signed up for, and that bills went to my OLD address. I told XXXX that I wanted help with some of the fees as i have not even received my credit card and i accrued a couple of months worth of late fees. XXXX told me her supervisor would call me within 24 hours but she never did. Meanwhile, while i was waiting to hear from Target 's management, I made a payment of {$40.00} ( the total bill was {$100.00} ) to avoid another month 's late fee but the company added another month 's worth of late fees, while I was waiting to hear from the supervisor. I kept trying to call the number on the credit card bill to talk to someone but could n't get through, again. So i decided to write a certified letter addressed to the CEO but never heard from anyone after a month! I found another number for Target after doing a google search, called that number, spoke to an XXXX XXXX, explained the situation, but no help whatsoever. I told XXXX, i want to speak to a manager. He said, "" I made a case study for you and a manager will contact you in 24 hours, '' but AGAIN NOONE CONTACTED ME. It 's been around 4 months now, I still have n't received my credit card, accrued 3 month 's worth of late fees and charges, and no manager has contacted me when on XXXX occasions, i was promised that a supervisor would call me. What kind of customer service is this?! In summary my complaint is as follows:1. Lines of communication between Target and consumer is unacceptable. The XXXX XXXX number on their credit card bills DISCONNECT you when you press "" XXXX '' to speak to a representative. 
A. On XXXX occasions I was promised that a "" supervisor '' would call me within 24 hours to discuss my predicament but never heard from a supervisor, empty promises and lies. 
B. I sent a certified mail to the CEO but never heard from anyone at corporate office. 
2. Never received my credit card in 5 months since i signed up to open the account. 
A. After speaking to XXXX who said i should have the credit card renumbered ( in case it 's stolen ), she transferred me to a different department, but while waiting on hold, I was disconnected, again! 
XXXX. A bill was {$100.00} so i made a {$40.00} payment to avoid other late charges/fees, but they still added another {$35.00} late fee, WHILE I WAS WAITING FOR A PHONE CALL FROM A MANAGER TO DISCUSS MY CASE. 

All in all, I feel NEGLECTED by Target 's management team. I tried to resolve my {$90.00} worth of late charges/fees with the corporation by sending a CERTIFIED MAIL and waiting for a supervisor to call me back but noone from management has tried to contact me. This is unacceptable and I want people to know about their terrible business practices. And i want the {$90.00} worth of fees removed, along with some penalty for the company. I will never shop at Target again. 
",,Consent provided,Web,2015-09-13,Closed with monetary relief,Yes,No,CR1562547,1761
2015-09-13,Credit card,,Billing disputes,,,Servicemember,Consent not provided,Web,2015-09-13,Closed with monetary relief,Yes,No,CR1562355,1832
2015-09-12,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank is reporting Suspected Fraud Activity on XXXX and this is not accurate. I would like to dispute this and have it removed from XXXX. This was reported on XXXX/XXXX/2013 with a charge off amount of {$98.00} which is not accurate. 
",,Consent provided,Web,2015-09-16,Closed with non-monetary relief,Yes,No,CR1562440,3450
2015-09-12,Bank account or service,Checking account,Deposits and withdrawals,,"When paying rent for a shared household, my roommate accidentally wrote a check for rent for the entire house on a check from my checkbook instead of his own and sent it in. When the check was cashed, it overdrew my account by a large amount, and I was charged {$93.00} in overdraft fees. I called the bank and asked that the overdraft fees be removed. I did not think that the check should have been cashed since it did not have my signature on it. XXXX My roommate signed his name ). I spoke with a few people at the bank, and they refused to remove or reimburse the overdraft fees. When I explained that my roommate wrote on my check on accident and that it did n't have my signature, I was told "" who 's fault is that? '' and that they go through XXXX of checks and ca n't check all of the signatures. I felt that just because they ca n't look at all the signatures, does n't mean that the signature does not matter. I gave up arguing with them after this and closed the account a couple weeks later. I would like to be reimbursed for the overdraft fees. 
",,Consent provided,Web,2015-09-12,Closed with explanation,Yes,No,CR1562064,1314
2015-09-12,Credit card,,Late fee,,"I made a purchase of {$33.00} on XXXX/XXXX/2015 at Target Stores.I did not know that I signed up online statement only. Usually. I do mailing statement for all my credit cards. This is a better way for me to follow up the payments. For this Target bill, I simply forgot to pay even though I got an email from the store because I get a lot of emails from all the department stores. I thought all of them are for advertising, therefore I ignored them. 
I know I have to pay some fees and interest, but I do not agree that I have to pay {$95.00} late fees for {$33.00} purchase even though it was XXXX days late. The late fees are almost three times of the purchase. This is definitely not fair to penalize me with a huge fee. 
",,Consent provided,Web,2015-09-12,Closed with monetary relief,Yes,No,CR1562385,9995
2015-09-11,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank contacted me and advised that my Checking Debit Card had been compromised so they were canceling and reissuing another. I phoned them to ask for more imformation, they said that they did not have any information to share, and I told them that I wanted to know what the breach was and when. I was advised that sometimes they are just notified by XXXX Law Enforcement of the breach, but the bank doesnt know why they just cancel the card, this is not acceptable by me. 

I believe that I have the right to know exactly what happened and more detail, its my account and they should be able to inform me ... 
",,Consent provided,Web,2015-09-11,Closed with explanation,Yes,No,CR1561032,1385
2015-09-11,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I deposited a check via mobile deposit. The check was then stolen from me and cashed again XXXX I do n't know where ). The funds were withdrawn from my account by my bank and they tell me there is nothing they can do. 
",,Consent provided,Web,2015-09-11,Closed with explanation,Yes,No,CR1560918,2852
2015-09-11,Bank account or service,Checking account,Deposits and withdrawals,,"I opened a bank account with Eagle National Bank branch office at XXXX MD on XXXX/XXXX/2015. 
I made a deposit of {$2000.00}. The check was cleared from my XXXX Bank Checking Account on XXXX/XXXX/2015. Eagle National Bank has since put a hold on my account denying me access to money without any legitimate cause. This is a pure profiling and a plot to cause problems in my life. 
",,Consent provided,Web,2015-09-11,Closed with explanation,Yes,No,CR1560567,2456
2015-09-11,Credit card,,APR or interest rate,,"Eagle National Bank charged a late fees ( XXXX ) and interest of ( XXXX ) on XXXX missed payment of ( XXXX ) .. I called and got the late fees reversed and paid off all the purchases ( XXXX ) ... I was under the impression they would reverse the interest charges but it turns out they did not. I did not look at the account after that as I did not make any new purchases. To my shock i saw my credit score drop by XXXX points due to XXXX day past due balance of XXXX on this account ... when I looked at the statements I found Bofa charged {$1.00} per month on the outstanding interest of $ XXXX two months..this on an APR basis is more than 120 % ... .I can afford to pay this and that is not my problem ... but my problem is with these hidden minimum interest charges which result in such high APRs ... even though the disclosures state the maximum they charge on a delinquent account is 29.99 % ... there has to be some rule against this loop hole where banks can charge interest over interest ... at rates that are so high ... this can impact a lot of vulnerable people who do not understand this. This applies to the whole credit card industry .... 
I called Bofa XXXX times today to resolve this but they did not reverse the interest charges. I guess this is all covered in disclosures but there needs to be some common sense built in. 
",,Consent provided,Web,2015-09-11,Closed with non-monetary relief,Yes,No,CR1561618,653
2015-09-11,Credit card,,Closing/Cancelling account,,"BofA Closed my credit cards account. They recently gave me an increase on XXXX from XXXX to XXXX on one of my credit cards and on XXXX closed my account out. I 've never been late and have always paid more than the minimum amount. I think that the Credit Card Act should be reform. It 's not fair to consumers that a credit card company can just make a business decision to close your account and it impacts your credit report. I 'm not the only person affected by this, multiple lending companies are doing this. We the consumers are impacted by are credit. If you 're paying all your bills on time and have a good credit behavior. Instead of them closing your accounts they should just decrease your limit. 
",,Consent provided,Web,2015-09-11,Closed with explanation,Yes,Yes,CR1560972,1079
2015-09-11,Credit card,,Billing disputes,,"I deposited {$5000.00} into an account with XXXX XXXX in the XXXX on XXXX XXXX, 2015. On XXXX the XXXX, the account XXXX named XXXX XXXX asked me to Borrow {$5000.00} from my XXXX card and assured me she would have it returned within one month. After seeing that my Account XXXX accepted {$8000.00} in bonus rewards without my consent of knowledge I contacted Eagle National Bank to complain that I Did not receive what I had been told. By the XXXX accepting Bonus rewards this prevented me from making any withdrawals from my account until XXXX trades were made. This woman lied to me and never called me back for the next XXXX weeks I contacted XXXX Support complaining about my deceitful broker and asked her to call me 7 times during the 3 weeks she made trades without my consent or authorization. Originally she called me once a week at the beginning of the week to discuss which trades would be done. This all stopped after XXXX XXXX, 2015. I have over XXXX emails sent to me from XXXX with my complaints as well as their comments stating that Upper management would contact me and investigate my case. Nothing has happened and no one has contacted me from upper management.. I asked that my account be locked down and that XXXX XXXX be removed from trading on my account. XXXX has ignored all my Complaints and never has anyone from upper management addressed any of my complaints. The only person who has called me is that deceitful woman and never her Supervisor that I asked for.I complained to the XXXX and they were unsuccessful in receiving any comments about all my complaints. The XXXX knows that XXXX can not be trusted. Fraud has been occurring and Eagle National Bank is refuses to believe that XXXX is no more than a scam after I have sent them over XXXX emails stating that XXXX refuses to address my complaints.My Account manager has ignored my complaints and works in the same compliant department where my complaints are being sent. She has told me that no one can do anything about my complaints, because she has the ability to delete them. I sent her an email telling her never to expose more than {$4000.00} of my account for trading and she had ignored my emails She has breached our contract by not calling me each week as we had agreed on when she was assigned as my account manager. She has taken over my account and i CAN NOT DO ANYTHING TO STOP HER.. How can my bank allow these people to steal my money and do nothing about it. I did not receive what I was promised and the fact the BigOption ignores my complaints shows what type of people I 'm dealing with. My complaint with XXXX has been ignored and Eagle National Bank refuses to do their job and help me get my money back. I did not receive the services that XXXX XXXX follow and Eagle National Bank has been just as incompetent. Their people working for them that could care less is one of their customers gets screwed and they have sat on their buttes for several months telling me they have their rules to follow. When I ca n't get help from the Bank that I have been with for over 30 years, it shows me how their standards have declined. Why did n't B of A contact XXXX 3 months ago when this all started.? What exactly is their job? They close my case without doing Their Jobs. This is pathetic!!!!!!!!!!! 
",,Consent provided,Web,2015-09-11,Closed with explanation,Yes,No,CR1561322,2373
2015-09-11,Credit card,,Advertising and marketing,,"I have a credit card with Eagle National Bank more than XXXX years ; never late payment or any problem. I was offer the check I can cash and just paid a fee and 0 % interest for a year. I call and make sure just a fee once and nothing else. So I used it and only one month later they send me a amended term I have to paid {$12.00} a month for protection fee that I do n't default the payment. I was never default or late payment why should I have to paid a protection fee. They said if I not accepting to paid a monthly fee than they have to close the account. I was totally deceived by Eagle National Bank once they get you into using their promote now you ca n't get out of than they want to squeeze more out of you. I can cancelled the account that 's what they offer and that will ruin my credit even I have XXXX credit scroot. This is a total trap to their customer. 
",,Consent provided,Web,2015-09-11,Closed with explanation,Yes,No,CR1561604,1881
2015-09-11,Bank account or service,Checking account,Using a debit or ATM card,,"I have a checking account with t d bank, put the money at the atm XXXX took the money posted on my pending checking account and then in my checking account. gave me the white slip and did not give me the money back. there was an error message but the atm still kept my money. I put the money in the t d bank in XXXX, nj and went there in person today and told them and called the XXXX number too. I still do not see my money back. I feel as though the bank stole my money. there should be no issue as to the money because it was put in my account posted and used for my rent. they took it without a word to me. I need it back into my account as I have bills to pay 
",,Consent provided,Web,2015-09-11,Closed with monetary relief,Yes,No,CR1560586,4046
2015-09-11,Credit card,,Other,,"I looked at my credit report in XXXX. I had a Target charge off for {$860.00}. XXXX also had an account for this listed on my credit report. I had a Target card several years ago but it was a very small limit and nowhere near XXXX. I call Target at XXXX and told the rep what was going on and they told me to contact XXXX. I then contacted XXXX. They had no information on the account and could n't tell me anything about it. From this they removed their entry on my credit report. Since I could n't get any information from XXXX I called Target back at the same number. When I would call the rep would tell me they needed to transfer me to another department. They would transfer me to a line that nobody would ever answer. This was done 5 times and each time I stayed on hold over XXXX minutes and each time I called back I was told I was being transferred to another line and would n't have to wait. Finally I called and a lady gave me a different number to call. It was XXXX. I then called this number and they told me they could n't help me because they could n't find any information so they gave me a different number. This number was XXXX. When I called this number they said they could n't help because they had no information and to call XXXX. I told them XXXX did n't have any information either and removed their entry from my report because of it. After over XXXX calls to Target I was told me to mail them a letter. I forgot to mention this but I had previously disputed this account XXXX. All XXXX said that Target confirmed the debt. I then mailed a letter to Target on XXXX XXXX that they received on XXXX XXXX. This letter informed them of everything that had happened and asked them to investigate the amount owed and it 's validity. I have yet to receive anything from Target. Per the FCRA XXXX Target had 30 days to investigate and respond to this but they have not. I 've given them over XXXX days between phone calls and certified mail. I would like this account removed from my credit reports or I will file suit. 
",,Consent provided,Web,2015-09-11,Closed with explanation,Yes,No,CR1561115,4390
2015-09-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-09-11,Closed with monetary relief,Yes,No,CR1560669,4263
2015-09-10,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank charged my account {$300.00} overdraft fee. 

When i had roughly {$150.00} i purchased from XXXX some small cheap stuff ( {$3.00}, {$4.00} worth XXXX transactions ). For some reason the Bank kept this transaction 'pending/processing ' for 5-6 business days. When i checked my account at the ATM it gave me a missleading info saying that i have {$150.00}, so i withdraw some cash as a result my account came to zero but still positive. After few days i open my account to see negative {$300.00}. 

The problem is i was provided wrong info about my account balance, they kept old transactions pending for too long and charged when i had zero account. 

Why do not they process the transaction on time? There was a holiday ( XXXX ) i understand, then why they do not help me to write them off if it happened due to holiday? 
",,Consent provided,Web,2015-09-10,Closed with monetary relief,Yes,No,CR1559857,2769
2015-09-10,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank has refused to give me any credit for a {$4900.00} check that was taken, but not processed, by a malfunctioning ATM ( ATM ID XXXX at the XXXX XXXX XXXX, XXXX, PA XXXX location ) on XXXX XXXX, 2015 at approximately XXXX. I am a student at XXXX XXXX XXXX XXXX XXXX. The check was issued by XXXX University as a tuition refund. I spoke to multiple supervisors at the branch, including the Branch Manager, XXXX XXXX. I also spoke with multiple supervisors in the Electronic Claims Services Dept. They refused to give me any credit for the check, although I explained the circumstances of the malfunction, including the amount of the check, the issuing party, and my relationship to the issuing party. 
Additionally, I cited a previous instance in which a Eagle National Bank ATM took approximately {$400.00} cash that I deposited. I was given a {$200.00} dollar credit while they investigated the issue. Yesterday, Eagle National Bank informed me an investigation would take 1-10 business days to be resolved. XXXX XXXX advised it would take 2-3 weeks to cancel the check and have another re-issued. Eagle National Bank declined to issue any credit for the check due to the amount of the check. Moreover, today I was informed by an account manager that there was no record of my card being used at the ATM, nor any record of the check at the ATM ( XXXX XXXX was witness to this conversation ). 
",,Consent provided,Web,2015-09-10,Closed with monetary relief,Yes,No,CR1559945,1862
2015-09-10,Bank account or service,Checking account,Problems caused by my funds being low,,"I have an account with Eagle National Bank and I mailed a check out on Tuesday XXXX, 2015 from XXXX to XXXX. I had enough money in the account to cover the check and then some. I paid my credit card before the check was cashed. I checked my account this afternoon, Thursday XXXX, 2015 and noticed I had XXXX overdraft fees for {$35.00} for a total of {$140.00}. All of these were caused because the check that was mailed was put in front of the rest of the transactions. I called Eagle National Bank and told them that there was no way that the check got from XXXX to XXXX and was cashed before the other transactions. The person on the phone told me that they could only wave XXXX of the {$35.00} overdrafts fees. The check should not have been placed at the front of the transactions because the other transactions happened before the check was cashed. 
",,Consent provided,Web,2015-09-10,Closed with explanation,Yes,No,CR1559827,1734
2015-09-10,Credit card,,Other,,"Eagle National Bank contacted me and issued a new credit card because "" an undisclosed merchant '' had compromised my data. When I called and requested the name of the merchant, they said they did not know and I would have to call XXXX. I asked to talk to a supervisor who told me that calling XXXX would be futile as they also would not tell me what merchant had compromised my information. I want to know what happened so I can determine whether I want to continue to do business with the merchant. 
",,Consent provided,Web,2015-09-10,Closed with explanation,Yes,No,CR1559363,3458
2015-09-10,Credit card,,Arbitration,,"I am a divorced woman that returned to school to pursue a career. Subsequently, I incurred a large amount of debt during this time as I was not able to work in a field that would sustain me. I ran up credit cards as they were readily given to me. While I understand it is my responsibility to manage my finances, this was a great hardship on me. As a result I find myself unable to pay the high monthly payments. 
I retained a lawyer to help me consolidate my bills. On XXXX/XXXX/2015 I spoke with a representative from Eagle National Bank, XXXX XXXX and told him of my situation. He agreed to a settlement package and took down all necessary information including financial status and read disclosure statement to me, and informed me to call back with my mother to have the disclosure read to her. The payoff was to be {$14.00}, XXXX rather than {$18.00}, XXXX. I gave them permission to post date an electronic check in the amount of {$14.00}, XXXX on XXXX/XXXX/2015. The representative informed me that he rarely had a settlement agreement denied, and that he would not proceed in cashing the check if the settlement was not approved. My lawyer was in the presence of this phone call and reiterated the terms with XXXX XXXX. 
That same day my mother, the co-borrower, called along with me and spoke to XXXX XXXX, to have the disclosure read to her, we both agreed and that representative informed us that "" we were good to go and everything looked in order. It is a done deal '' were the exact words. I was told to be looking for something in the mail. 
When I never received anything the weekend before the check was supposed to be cleared, I called back. The representative XXXX XXXX said everything was good to go and paperwork had been mailed to me on the XXXX of XXXX, I informed her that I never received it, and she said it would probably come in the next few days. I reiterated to her that everything was good and that the settlement was approved, and she assured me that, "" Yes it was ''. She also stated that they would not run the check if it had not been approved. 
The check went through my bank on the XXXX, however my balance was not reduced to a XXXX amount. I spoke with another representative, XXXX XXXX who said there was only XXXX more form that needed to be filled out as a formality and the balance would be cleared. I called the next day and was told the same thing, but he told me someone would call me within XXXX hours. On Thursday the XXXX of XXXX, XXXX XXXX called and told me a settlement was never granted, but she would look into it and get back with me. 
She called me at work on Friday XXXX, 2015 and informed me that the settlement was not honored and that I would have to pay the remaining balance. I called back after work and could not speak with her, but was told "" no matter what you do, this settlement will never be approved ''. I was called on Wednesday XXXX/XXXX/2015 by, XXXX XXXX while at work. She left a message and I returned her call after work only she was gone for the day. 
This seems to be a deliberate attempt to take money from me by falsely agreeing to a settlement and then once they received the money they refuse to honor the agreement. I do not have anything in writing. That was also my mistake, however I was reassured time and time again that this was a done deal. I am still in the process of resolving this issue, however I am getting nowhere. I paid my bill always on time, but needed the money every month I paid to the credit card company to live on. I only hope others will think twice about dealing with Eagle National Bank. I feel like I am being punished for trying to do the right thing and pay my debts, if only partially. However they made an extreme amount of interest on me at 22 %. I am hoping to receive any assistance I can form this agency. This is a fraudulent practice that needs to be addressed. 
",,Consent provided,Web,2015-09-11,Closed with non-monetary relief,Yes,No,CR1558847,1772
2015-09-10,Credit card,,Credit card protection / Debt protection,,"I am a XXXX who most of my life worked either as a XXXX, a military XXXX, or a XXXX. I accidentally learned through my Internet searches of the class action suit against Eagle National Bank ( BOFA ) and its Credit Plus Protection Plan which ended with a settlement approved by U. S. Judge XXXX XXXX, which, in my opinion now, did not fully free the class members from having to pay the fees and interests incurred. I began my Internet searches after a year of communicating through letters and telephone calls with BOFA and they refused to stop reporting the credit card in question to the Credit Reporting Agencies. When I came across this class action suit, my thoughts led me to see that these were people wrongly treated with the Credit Plus Protection Plan just like me. It is only now after a closer look at my file on BOFA that I have determined I was never notified of the class action suit and, therefore, never opted in. Therefore, I want justice in the form of BOFA to stop reporting this credit card to the Credit Reporting Agencies ; that is the long, overdue justice that I seek. 
","Older American, Servicemember",Consent provided,Web,2015-09-10,Closed with explanation,Yes,No,CR1558263,11804
2015-09-10,Credit card,,Billing disputes,,"I have been paying on a card for so long and wish to have it paid in full for less right now while I have saved some cash to pay it. I am XXXX years old and want to quit calling every month but BofA does n't care. I 've been able to pay it in full for less with other banks who relieve me of past interest payments of a few XXXX dollars. I am a widow of retired XXXX XXXX 
",Older American,Consent provided,Web,2015-09-10,Closed with monetary relief,Yes,No,CR1558244,2206
2015-09-10,Credit card,,Identity theft / Fraud / Embezzlement,,"This relates to Target Credit. As stated above our house burned and I do not havve my records but, Target should because we dealt with only XXXX man. The issue was over XXXX fraudulent charged to our Target Card.and was resolved with the removal of the XXXX and we paid account as agreed. The XXXX Credit report shows the matter under "" Adverse Accounts '' but I can not understand what was reported but, the settlement was not. Then XXXX reported that a company called "" XXXX XXXX was reporting a collection matter with XXXX Target XXXX with an amount of {$3000.00} but, we have never talked or had any communication with this company. The {$3000.00} was the fraud amount that Target said was charged off. There is no address or phone for this company. I think Target should do what they ageed to to and remove this from my Credit Report. It is unfortunate that the fire and burning of our house on XX/XX/2015 took all my records. I am complaining about the difference of the XXXX reports and the information contained in the reports. 
",Older American,Consent provided,Web,2015-09-22,Closed with explanation,Yes,No,CR1559771,3546
2015-09-10,Credit card,,Credit card protection / Debt protection,,,,Other,Web,2015-09-25,Closed with explanation,Yes,No,CR1558437,2662
2015-09-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-10,Closed with monetary relief,Yes,No,CR1558753,5056
2015-09-09,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank has changed their computer system and are creating unnecessary overdrafts in checking accounts by deducting pending charges from the available balance and causing legitimate charges to overdraft. For example, I had a rental car pending charge of {$97.00} on Saturday. I returned the car on Tuesday and because of my 3 day free coupon the charge was reversed. However when I checked m balance on Wednesday, the reversed charge disappeared and the pending charge was still there. The remaining pending charge caused and overdraft because I made XXXX credit card payments on Tuesday. Hence, I now owe EN {$35.00} overdraft and {$10.00} savings transfer plus {$12.00} overdraft amount. How can this be when the {$97.00} charge should have been removed? On Thursday the pending charge will clear and I will still owe money to EN. Why did their computer drop the reversal? Why am I charged for something I do not owe? EN is ripping people off again! 
",,Consent provided,Web,2015-09-09,Closed with explanation,Yes,No,CR1556285,3455
2015-09-09,Bank account or service,Checking account,Deposits and withdrawals,,"I had charges processing on XXXX/XXXX/15 which would have put me in overdraft. At XXXX on XXXX/XXXX/15 my SS check was deposited ( processing ), none of the charges had been posted, they were still processing. Today XXXX the charges showed up as cleared on XXXX/XXXX/15 which also charged a XXXX overdraft fee. That transaction showed up as still processing at XXXX on XXXX/XXXX/15. Also at XXXX it showed my SS deposit as XXXX then all the charges. I believe that Eagle National Bank is manipulating deposits again to get overdraft fees. I can not print my on line acct to prove that. I have received in the past refunds from EN manipulating overdraft fees. I 'm tired of this!!!! 
",Older American,Consent provided,Web,2015-09-09,Closed with monetary relief,Yes,No,CR1557326,4048
2015-09-09,Bank account or service,Checking account,Using a debit or ATM card,,"My arm cards were stolen, and someone attempted to withdraw money and was successful with getting {$300.00}, from Eagle National Bank. I disputed it at least 3 times, and it came back justifiable. 
",,Consent provided,Web,2015-09-09,Closed with non-monetary relief,Yes,No,CR1556353,3880
2015-09-09,Credit card,,Delinquent account,,"Eagle National Bank called me at a time inconvenient to me ( post XXXX evenings ) about a XXXX visa debt I owe. XXXX ending in XXXX and XXXX ending in XXXX. I only have XXXX debt with Eagle National Bank after a few minutes of the representative trying to collect on both debts I said to her I did n't have XXXX debts and she asked me to hold and came back and apologized and said I only owe the XXXX debt and she was sorry about the mistake. I do n't believe according to the fdcpa that a XXXX party can attempt to collect a debt that does n't exist. I asked for a supervisor as I was not comfortable with the situation I explained to the supervisor what happened and that the XXXX rep refused to accept me on a hardship program because I have no income. I own nothing and I am unable to work due to XXXX months of XXXX and XXXX. I have currently applied for XXXX and explained all this to Eagle National Bank ( at this point supervisor XXXX ). I explained to them that I live with my spouse whom works, pays on our home and bills like electric and whatnot. I could borrow XXXX $ a month from her and pay on the account now that they are only trying to collect on the legitimate account, not the other fake account or what ever it was they tried to pull over my eyes with the XXXX representative. Eagle National Bank OUT RIGHT REFUSED TO ACCEPT HARDSHIP PAYMENTS FROM ME BECAUSE I HAVE NO INCOME!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! ISNT THAT THE PURPOSE OF A HARDSHIP ... ..Eagle National Bank SAID UNLESS I HAVE AN INCOME I DONT QUALIFY FOR HARDSHIP, NO INCOME IS HARDSHIP DEFINED!!!!!!!! 
I understand that the CFPB ruled XXXX parties must follow the fdcpa just like a collection agency would. Yet Eagle National Bank called at a time inconvenient to me, tried to collect on XXXX debts XXXX legitimate the other????? I have no clue except they are trying to scare me or scam me ... 

On Eagle National Banks hardship program they lower interest and stop over limit and late fees so that the money you pay is actually going towards your debt. by refusing to enter me into this program means the XXXX I borrow from my wife to pay toward my XXXX legitimate debt will not even cover the interest being accrued on the debt because they wont accept me as a hardship ... .. I really want to pay towards my debt but not to fall further behind every month.. 

IMAGINE ALL THE Eagle National Bank CUSTOMERS WHO WERE JUST TREATED LIKE I WAS. THAT WERE REFUSED A HARDSHIP PAYMENT BECAUSE OF INCOME TO DEBT RATIOS ... .... THATS WHY CUSTOMERS ARE IN THE FINANCIAL CRISIS THEY ARE IN BECAUSE BIG BANKS ALWAYS RUN OVER THE LITTLE GUYS BECAUSE THEY CANI sincerely hope that the CFPB looks into the hardship policies of Eagle National Bank as they are counter productive by refusing hardship payments of customers that want to pay and go directly against the spirit of the CFPB and its role as a protection from aggressive dishonest creditors. So they refused the hardship payment offered and said they would take it as a regular payment against the account with none of the benefits of a hardship plan. I offered a XXXX $ a month hardship payment and it was refused XXXXcheck Eagle National Banks recordings XXXX eastern to my home number on todays date XXXX/XXXX/2015. XXXXand according to the fdcpa that XXXX parties are now required to follow if a payment is refused the debt must be vacated. Please also have my debt vacated as they refused to accept hardship payments from me. 
please help me and likely XXXX of other based on Eagle National Banks size be allowed to pay on their debts on a hardship program. 
",,Consent provided,Web,2015-09-09,Closed with explanation,Yes,Yes,CR1556193,513
2015-09-09,Credit card,,Overlimit fee,,"Overlimit fee paid without my consent or opt in. 
",,Consent provided,Web,2015-09-11,Closed with explanation,Yes,No,CR1556315,1872
2015-09-09,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited my paycheck into my checking account. I then checked my account later, and it told me that all the funds from the deposit were available. So I proceeded to transfer money into my joint account with my husband, my savings account and my daughters account. I try to only leave enough money in my checking account to pay the current bills. I checked my account this morning to see I was hit with XXXX overdraft fees at {$35.00} a piece, for a total of {$170.00}. This again over drafted my account. I called to speak to someone over the phone only to be told that even though my account said my paycheck deposit was available, it was not available. So I over drafted my account as soon as I had transferred the money, let alone the purchases I had made that day. I was told there was nothing that could be done as I was enrolled in overdraft protection on my debit card, even though in XXXX I had asked them to remove me from it. So now my husband I are going to be late on our mortgage, among other bills, plus I am worried about just getting food for our kids. I would not have transferred the money if I did not think it was available. If I have ever deposited my paycheck and the full amount was not available, it would tell me {$100.00} available from deposit. Not the full amount, which this time it did. 
",,Consent provided,Web,2015-09-09,Closed with monetary relief,Yes,No,CR1557568,1838
2015-09-09,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX/XXXX/15 XXXX fraudulent charges occurred on my checking account in the amounts of {$66.00}, {$70.00}, and {$72.00}. A total of {$210.00}. On XXXX/XXXX/15 I noticed the fraudlent charges and reported the matter to Eagle National Bank customer services. I explained that I had never lost or misplaced my debit card and that I had never been to the location in which the fraudulent charges occurred. The Eagle National Bank representative took my information and said that an investigation would be initiated and I could expect the money to be refunded within 3-5 business days. On XXXX/XXXX/15, six business days later, I called Eagle National Bank again to check on the status of the investigation and the Eagle National Bank representative said that the person I had spoken to during the initial call had failed to initiate the investigation and I would have to start the process all over and that it would take 7-10 additional business days to resolve. After providing the information for the second time I asked to speak to a supervisor about the difficulty I was having getting the issue resolved. The Eagle National Bank representative stated that I could not speak to a supervisor but that if I left my contact information, a supervisor would call me back within 48 hours. I insisted I wanted to speak to a supervisor and was again told that I could not speak to one. Finally I gave in and left my contact information and asked to have a supervisor call me back as soon as possible. I never received a call from a supervisor or any Eagle National Bank representative. 
As of today the issue remains unresolved and no funds have been refunded to my account. 19 business days since my initial call on XXXX/XXXX/15 and 13 business days since the XXXX call. I have however been charged a {$14.00} maintenance fee because my account dropped below {$100.00}, which would not have occurred if the fraudulent charges had not occurred. 
",,Consent provided,Web,2015-09-09,Closed with monetary relief,Yes,No,CR1556875,870
2015-09-09,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2015-09-09,Closed with non-monetary relief,Yes,No,CR1556667,853
2015-09-09,Credit card,,Sale of account,,,Servicemember,Consent not provided,Web,2015-09-10,Closed with non-monetary relief,Yes,No,CR1556284,3832
2015-09-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-09,Closed with explanation,Yes,No,CR1557982,1998
2015-09-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-11,Closed with explanation,Yes,No,CR1556712,835
2015-09-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-09,Closed with explanation,Yes,No,CR1557276,584
2015-09-08,Bank account or service,Checking account,Problems caused by my funds being low,,"I actually signed up for overdraft protection with EN ; which to my understandiing meant that if you overdraft your account ; that you would be protected an the transaction would be paid. So on XXXX 2015 my credit card payment was deducted in the amount of XXXX. Which was fine ; because I assumed that the transaction would be paid ; and that I would have time to place my funds in my account by the XXXX of this month. However once again with EN they never live up to what they present or state I really ca n't afford for this payment to be returned. I am fine with the overdraft fee that has occured ; because I had that all planned out to be repaid. I sware at this point I am so over EN right now. The payment that should not have been paid prior to this one ; was and I had to file a claim, Now this payment I really didnt expect it not to. Help!! As EN of america bites. 
",,Consent provided,Web,2015-09-08,Closed with explanation,Yes,Yes,CR1554470,710
2015-09-08,Credit card,,Convenience checks,,"Eagle National Bank sent me information regarding using a convenience check but made no mention that these checks were subject to a verification process that could result in their cancellation without timely notification, and that my verification of the transaction would still yield a cancellation of the transaction. 

EN called me asking to verify the transaction which I did over the phone to a customer service representative. I found out later that although I verified the transaction, the transaction still was cancelled by EN. I was told that the reason for cancelling the transaction was that the my verification occurred hours after the call was initially placed to me, and that the department that needed to verify the transaction was closed, and that the EN representative I called back to verify the transaction could not contact the necessary office ( it was closed ). I was also told that because I had no signature on file with EN, they could not verify my transaction and, ultimately, that is why they cancelled my transaction. 

Eagle National Bank then sent me a letter verifying the cancellation with no mention of why this cancellation was occurring. The letter contained a phone number to customer service who explained to me that they had no way of understanding my issue and gave me another number to call which I did. The other number said that they were not the right department and I was transferred to another department I was finally given another number to call. 

EN is not being transparent with consumers in regards to how they verify transactions and lure customers to use products without being forthcoming regarding the necessity of signature files etc. to verify transactions. EN is also not forthcoming regarding how to resolve issues with customers as they gave me a number to call that was unable to give me any information and I was explicitly told by the EN representatives that although I was given their number to call, that they had no information on my case. 

Customer Service Representative XXXX said she was going into file a complaint on my behalf with Eagle National Bank and a letter will be sent to me from EN. 
",,Consent provided,Web,2015-09-09,Closed with monetary relief,Yes,No,CR1556169,4222
2015-09-08,Credit card,,Transaction issue,,"I have a credit card with Eagle National Bank. Since XXXX of this year I have tried to set it up so I can have my payment come out automatically each month. Each month it has not come out at all and then I get a late fee. I have contacted the company several times and each time I 'm told try again, its not our fault. Try again try again. They say they will reverse the late fees and do not. I have tried doing it through my bank on bill pay and same thing, the money does n't make it to them or come out of my account. I have tried making it over the phone through their automated system and still nothing. I do n't know what else to do. I refuse to pay late payments when I am trying to make my payment and its not working and they refuse to do anything. 
",,Consent provided,Web,2015-09-08,Closed with non-monetary relief,Yes,No,CR1555813,8074
2015-09-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-08,Closed with explanation,Yes,No,CR1555149,629
2015-09-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-08,Closed with explanation,Yes,No,CR1555654,1956
2015-09-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I went to Eagle National Bank XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to ask a question about an HSA. An attractive XXXX woman greeted me with a hand held device in behalf of Eagle National Bank and refused to let me or anyone else speak to banker unless we gave her our debit card number or drivers license to input our personal information into her hand held device. I refused and she became nasty and refused to let me see a banker. I tried to complain and she told me to go ahead. Never heard of this in my life. 
",,Consent provided,Web,2015-09-09,Closed with explanation,Yes,No,CR1554461,1323
2015-09-07,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-09-09,Closed with explanation,Yes,Yes,CR1554230,36
2015-09-07,Credit card,,Balance transfer,,,Older American,Consent not provided,Web,2015-09-09,Closed with explanation,Yes,Yes,CR1554142,3023
2015-09-06,Credit card,,Billing disputes,,"1. Eagle National Bank Credit Card account was closed on XXXX20152. From XXXX/XXXX/2015 thru XXXX/XXXX/2015 BofA continued to allow XXXX charges to closed account. I did forget to change the XXXX payment. However, BofA was not supposed to allow ANY purchases as I was guaranteed by XXXX ( BofA representative ) on XXXX/XXXX/2015 when I closed the account that NO OTHER CHARGES would be allowed at all. 
3. Contacted XXXX on XXXX/XXXX/2015 to get the payoff amount - he stated it would be {$2600.00}. 
4. XXXX/XXXX/2015 A payment was made in the amount of {$2600.00} was drafted from my credit union. The online platform showed a lesser amount, however, I paid the amount stated in # XXXX. Again, after the account was paid in full on XXXX/XXXX/2015 - Eagle National Bank allowed another charge from XXXX on XXXX/XXXX/2015. 
",Servicemember,Consent provided,Web,2015-09-06,Closed with monetary relief,Yes,Yes,CR1553964,2157
2015-09-06,Credit card,,Late fee,,"I have a Eagle National Bank Credit card and they do not allow you to set a automatic payment of the minimum due. You must set a predetermined amount. I called them because I got a late fee and there reason is you need to look at your statement each month and pick an amount. 

So I did not look at my statements for two months and got charged a late fee. I called them and they refused to fix it. 
",,Consent provided,Web,2015-09-06,Closed with monetary relief,Yes,No,CR1554133,2297
2015-09-06,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-09-06,Closed with non-monetary relief,Yes,No,CR1554076,4249
2015-09-05,Bank account or service,Checking account,Deposits and withdrawals,,"I got scammed in XX/XX/XXXX. The scammer had me made payments to her Eagle National Bank account on XXXX different dates : XXXX/XXXX/2015 for {$6800.00}, XXXX/XXXX/2015 for {$19000.00} and XXXX/XXXX/2015 for {$16000.00}. The account 's holder name is XXXX XXXX. I filed a fraud claim with XXXX XXXX on XXXX/XXXX/2015 but no replies from the fraud department. I also had filed police report, FBI report ( IC3 ) and FTC report. Since I did n't get the diplomatic package in the mail as promised, I should get my money back. The whole thing was a fraud. 
",,Consent provided,Web,2015-09-05,Closed with explanation,Yes,Yes,CR1553733,139
2015-09-05,Bank account or service,Checking account,Problems caused by my funds being low,,"I received inaccurate information from a Eagle National Bankrepresentative that caused me to be charged XXXX overdraftfees, totaling {$70.00}. On a previous phone call with a Bankof America Rep., they informed me that the bank would notcharge me any overdraft fees if a transaction ( i.e. payment to a merchant ) was in a processing status and I would only be charged if the transactionwent to a completed status and I did n't have enough money to cover thepayment. But, on XXXX/XXXX/2015 EN charged me XXXX overdraft fees while thetransactions were still in a processing status. When I call to make thebank aware of the charge, the supervisor XXXX apologized for theinaccurate information I received but refused to refund the charges. 
Based on the information, I received from the bank, I was acting in in good faith and thought all my merchant payments would be cover. 
Therefore, I do n't believe I should be charge fees for the bank providingme with incorrect information. I have enclosed a copy of my bankstatement for your review. 

In closing, I would like to thank you in advance for your assistance in this mamatter. 
",,Consent provided,Web,2015-09-05,Closed with monetary relief,Yes,No,CR1553789,162
2015-09-05,Bank account or service,Checking account,Problems caused by my funds being low,,"Overdraft Charge of {$35.00} was collected from my account in consecutive thee times on XXXX XXXX, 2015. The statement was not showing any overdraft balance on XXXX XXXX, 2015 after all of the checks and atm card payment were posted. It became negative when the XXXX and XXXX overdraft charges of {$35.00} were posted. It may be a computer error. I just would like to request for the refund of {$100.00} ( {$35.00} x XXXX ). Thank you. 
",,Consent provided,Web,2015-09-05,Closed with monetary relief,Yes,No,CR1553906,642
2015-09-05,Credit card,,Other,,"Eagle National Bank XXXX XXXX credit card - I have not used this card in years. Annual fee was reported as bad credit to credit reporting agency. My credit score of over XXXX with nothing late is now XXXX. I found out when I went to apply for a mortgage. We were in the middle of selling XXXX home and purchasing another. I phoned Eagle National Bank customer service and they were unwilling to help. When I saw the XXXX XXXX mail the XXXX time I did open it. It was already to late. I told XXXX the manager at Eagle National Bank, "" I have n't used this card in years why would you still send this out and charge me? '' Her respond was, "" you knew what it was when you signed up. "" If a person does not use a card in 3, 4, or 5, years why should a credit card company be able to bill you and then ruin your credit because of a fee? 
Can someone help me with this problem? 
",,Consent provided,Web,2015-09-05,Closed with monetary relief,Yes,No,CR1553759,564
2015-09-05,Credit card,,Credit determination,,"My partner has a credit card account with Eagle National Bank. I am a authorized user on the account, which means that I have a card with the same number, and my partner receives the statement for the charges from both her and my credit card. One day we noticed fraudulent charges on the statement, so my partner cancelled the card and requested that new cards be delivered to XXXX us. These cards arrived in the mail and we each began using our new cards. I received a separate statement for my card. My partner called the bank to ask why I was receiving a separate statement. The customer service representative acknowledged the error and apologized, saying that the charges from my card would be transferred over to my partner 's statement, that I did not have to pay the bill, and that I would be issued a new card with the same number as my partner 's card. I did not pay the bill, and I never received the card. My partner called back to Eagle National Bank requesting an explanation, and was told by a different customer service representative that the representative was not able to discuss my card. As it turns out, the card I had been sent as the replacement for my original authorized user card on my partner 's account was actually an updated card for an old Eagle National Bank credit card account that I had not used for years. I had not requested an updated card for this account, and there had been no activity on this card since 2013. When I called Eagle National Bank, the customer service representative told me that I had failed to pay the bill for that card -- which my partner had been told I did not have to pay -- but agreed, based on my explanation, to remove the late fee from the charges. I paid the bill. Later, I discovered that the bank had reported the late payment to the credit agencies, and my credit score decreased dramatically. I called the bank to try to remedy this, but they wrote me a letter stating that "" no bank errors have been made concerning XXXX my ] payment record. Therefore, the delinquency on your credit report is valid and will not be removed. '' The initial customer service representative assured my partner that the bank had erred, that they apologized, that they would redirect the charges at issue to my partner 's account, and that I did not have to pay the bill. In light of this, to report a delinquency on my part to the credit agencies is certainly a bank error. It is grossly unfair and highly damaging to me. 
",,Consent provided,Web,2015-09-05,Closed with explanation,Yes,Yes,CR1553880,1491
2015-09-05,Credit card,,Other,,,,Consent not provided,Web,2015-09-05,Closed with explanation,Yes,Yes,CR1553650,4032
2015-09-05,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-09-05,Closed with explanation,Yes,No,CR1553636,3532
2015-09-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"According to the Cardholder agreement with Eagle National Bank, I am only obligated to pay the monthly minimum. In this case, my monthly minimal payment due was not the balance thereof, but a nominal fee of approximately {$25.00} to {$50.00}, more or less. 
On XX/XX/XXXX, I paid, albeit by clerical mistake/typo, a payment via mobile banking transfer of from my checking account to my credit card account with Eagle National Bank for $ {$2400.00}. I intended to, at that time, to make a nominal payment of {$24.00}. Therefore, I respectfully asked for the difference from what the Bank has partially refunded me already -- of {$500.00}, to what I originally paid plus fees ( factoring any interest charges ), which would total approximately $ 2k either way. 
Moreover, according to the XX/XX/XXXX law -- -Credit Card Accountability Responsibility and Disclosure Act, the Bank acted contrary to this Law by changing the terms and conditions and/or my credit card account info via slashing my credit line by 80 % from $ XXXX to {$500.00} without providing appropriate advanced notice ; considering this lack of due diligence and lack of transparency I respectfully ask for the CFPB to secure me the funds for $ XXXX at this time and/or restore my credit line back to $ XXXX with Eagle National Bank XXXX The Bank refuses to issue me a complete refund because my total credit line is only {$500.00} and it would be over my credit line ; moreover, they 've refused to raise my credit line back to the original amount. 

Thanks for your help and consideration! 
XXXX XXXX 
",,Consent provided,Web,2015-09-04,Closed with monetary relief,Yes,Yes,CR1552648,4747
2015-09-04,Bank account or service,Checking account,Problems caused by my funds being low,,"I get a regular monthly charge that varies in amount per month. Apparently it is removed from my account on the XXXX or XXXX of the month, but does not show up on my online account statement until the XXXX of the month. The website shows I have money when I check it every morning, so I use some of the money that is "" available '' after "" pending. '' Eagle National Bank then charges me overdraft fees for all the amounts that I have used when they backdate the charge. My statement then shows I have money but was charged several overdraft fees for money I was "" deceived '' into thinking I had. I do know the charge is coming and sometimes I take the hit on the overdraft fee. I do not expect XXXX overdraft fees I only expect XXXX. 
As per my copy of my "" online Bank Statement '' it shows i had funds for the charge on XX/XX/XXXX a purchase for XXXX and available balance was XXXX, they then charged me XXXX overdraft fees when the statement shows I have funds. Makes no sense! 
",,Consent provided,Web,2015-09-04,Closed with monetary relief,Yes,No,CR1552908,1663
2015-09-04,Bank account or service,Checking account,"Account opening, closing, or management",,"I had a CD at the Eagle National Bank in XXXX XXXX, NV along with a savings and a checking account and a safe deposit box. The CD was due in XX/XX/XXXX but I needed the cash for personal reasons. On XX/XX/XXXX when I requested closing the CD, withdrawing the money ( paying the small penalty involved ), the woman bank official talked me into taking only what I actually needed and leave the remaining sum to maturity. She did not tell me I would have to pay a bank fee because the amount required to retain the accounts had dropped below their required minimum. I found out by going on line to view my accounts on XX/XX/XXXX the bank had deducted {$25.00} from my checking account. I went to the bank immediately, very upset they stole this money from me. The woman said those were the rules and no one at that branch could reverse the fee charge. I said they had every obligation to inform me of my options plus chances of fees being taken from my account when I requested to cancel the CD. So, instead of doing what I wanted to do which was withdraw the total amount, pay the necessary penalties and close the other accounts on XX/XX/XXXX, she convinced me to only take what I needed, kept me as a bank client and was able to charge me a {$25.00} fee with no notice this was going to happen to me. I feel this method she used is illegal and that {$25.00} was stolen from me. The bank has no right to take this money without informing me of my rights. I request Eagle National Bank reimburse the {$25.00} to me. 
",Older American,Consent provided,Web,2015-09-04,Closed with monetary relief,Yes,No,CR1553413,4585
2015-09-04,Bank account or service,Checking account,Problems caused by my funds being low,,"IRS had put a levy on my account and it was done by error on there part. now i 'm still hit wit the bank charges and the IRS rep said they would inform the bank not to. 
",,Consent provided,Web,2015-09-05,Closed with explanation,Yes,Yes,CR1553665,3291
2015-09-04,Credit card,,Customer service / Customer relations,,"Eagle National Bank did not properly credit my account with a telephone payment. My payment was made on XXXX/XXXX/15 and my account was not credited until XXXX/XXXX/15 and only after I made at least XXXX phone calls and scheduled a meeting with my local branch. 
During the 2 week period I was seeking resolution :1. I had to endure long hold times. 
2. I was treated by rude customer service reps, including XXXX supervisor who told me to stop calling or I would just delay the process. 
3. At least XXXX calls were disconnect so that I had to start the process over again. 
4. I got calls and e-mails advising that my account was overdue. 
5. A hold was put on my account, a fact that I discovered when I tried to use my card and was told by the clerk at the point of sale that my card was declined. 
",,Consent provided,Web,2015-09-05,Closed with monetary relief,Yes,No,CR1553658,3197
2015-09-04,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"Eagle National Bank would rearrange my transactions so they could charge me overdraft fees. I would have for example {$50.00} in the bank. I would spend XXXX on Thursday knowing I had a deposit going In the next morning. Get up the next morning get breakfast and spend XXXX. Much deposit goes in Friday morning and they would say I overdrafted. How Is it a overdraft when you have almost XXXX the bank. They have charged us thousands this year alone. How is this legal to take mine and my wives and my child 's savings as well? 
",,Consent provided,Web,2015-09-04,Closed with monetary relief,Yes,No,CR1552310,2708
2015-09-04,Credit card,,Identity theft / Fraud / Embezzlement,,"I logged into my online banking account with Eagle National Bank where I have a checking and savings account. I noticed there was also a credit card account attached to my accounts which I did not apply for. I called Eagle National Bank and reported the credit card account. They transferred me to the credit card company where I closed the account. They then transferred me to the fraud department where I reported it. I was told by the credit card company that when I was at the bank on XXXX XXXX, in person, I applied for the account. I reported that though I was at the bank on XXXX XXXX I did not, nor did I authorized anyone to apply for an account. 
",,Consent provided,Web,2015-09-08,Closed with non-monetary relief,Yes,No,CR1552366,8276
2015-09-04,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-09-04,Closed with monetary relief,Yes,No,CR1553343,1561
2015-09-03,Bank account or service,Savings account,"Account opening, closing, or management",,"I was on medical leave from my employer and my health savings account card was turn off and closed, I was unable to pay the dentist and surgeon with the appropriate funds. 
",,Consent provided,Web,2015-09-04,Closed with explanation,Yes,No,CR1550369,4515
2015-09-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Monthly maintenance fees are excessive for type of account. The Health Savings Account managed by Eagle National Bank charges {$3.00} per month for our plan and up to {$4.00} per month non employer sponsored plans. There are few transactions processed and the balances in the accounts may be very low. 
",Older American,Consent provided,Web,2015-09-03,Closed with explanation,Yes,No,CR1550483,1435
2015-09-03,Bank account or service,Checking account,Problems caused by my funds being low,,"My Eagle National Bank checking account was subjected to multiple overdraft charges. This seems to have been caused by the Bank applying the transactions in a manner that maximized the number of transactions subject to an overdraft fee. In addition, while the default display of transactions shows the "" statement balance '', the bank maintains a separate "" account balance '' that apparently can trigger fees even when the statement balance is showing a positive balance. This seems misleading at best and deceitful at worst. 
",,Consent provided,Web,2015-09-03,Closed with monetary relief,Yes,No,CR1551505,3463
2015-09-03,Bank account or service,Checking account,Using a debit or ATM card,,"The worst customer service I have ever experienced. Eagle National Bank put a hold on my card without notice and then mailed me a new one. When I called to figure this out, I was hung up on twice and transferred to XXXX different departments. This is sick! 
",,Consent provided,Web,2015-09-03,Closed with explanation,Yes,No,CR1551417,3015
2015-09-03,Credit card,,APR or interest rate,,"To whom it may kindly concern : I have a credit card account through Eagle National Bank. This past cycle, my bill payment was 10 days late ( due XXXX, XXXX, 2015 ). I had a health emergency and ended up in the hospital. I can send you documentation to support this claim if you wish. 

I do not dispute the fact that my payment was late, however, the reason was beyond my control. My account is now current. 

The issue I have is, I received an letter that my APR will be raised to a "" Penalty APR '' at XXXX percent because of this XXXX late payment! With this exception, I have never had a late payment with this account, whatsoever, or any others in my credit history. The hospitalization was completely outside of my control. I made the payment as soon as I was physically able. 

I would also like to add, I attempted to pay my bill online a few days early, but Eagle National Bank 's website was down for "" scheduled maintenance. '' The next day, I went to the hospital, so this is at least partially their fault. 
Any help or advice you could provide with this matter would be greatly appreciated. 

Thank you, XXXX XXXX 
",,Consent provided,Web,2015-09-03,Closed with explanation,Yes,No,CR1551522,4262
2015-09-03,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank has continued to manipulate accounts to insure added fees are accessed. I have been an account holder for 4 years and it has continued and I have called them on many occasions and they have refunded them however this year they have been active in refusing to refund the fraudulent charges 
",,Consent provided,Web,2015-09-03,Closed with monetary relief,Yes,No,CR1550131,379
2015-09-03,Credit card,,Other,,,,Consent not provided,Web,2015-09-03,Closed with explanation,Yes,Yes,CR1550081,5701
2015-09-03,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-09-08,Closed with explanation,Yes,No,CR1551151,11596
2015-09-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-03,Closed with explanation,Yes,No,CR1550749,1053
2015-09-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-09-03,Closed with explanation,Yes,No,CR1550994,1679
2015-09-02,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank charged a {$35.00} fee on a cash transfer -when there were available funds-, causing my account to drop into the negative. After contacting EN, they admitted that yes, they applied this fee to a cash transfer when there were available funds, yet refused to return the fee. I went to management, and filed a claim through their process which they then denied. I have a copy of the online chat with their representatives and a screen capture of the charges applied to my account. I do not understand how this is not flat out stealing. 
",,Consent provided,Web,2015-09-02,Closed with monetary relief,Yes,No,CR1549691,3062
2015-09-02,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank once again held onto a check purposely until my account had low/no funds, then put it through. It was for {$2.00}. They charged a {$35.00} fee AND refused to honor the check and pay the creditor, a pharmacy. Therefore I will incur another fee from the creditor. My income is fixed and only {$1200.00}. 

In addition, my direct deposit which was available the XXXX last month, was not made available this month. As of today at XXXX, it still isnt available. This is also done on purpose. 
",,Consent provided,Web,2015-09-02,Closed with monetary relief,Yes,No,CR1548094,2474
2015-09-02,Bank account or service,Checking account,"Account opening, closing, or management",,"While out of town for five days, I received in the XXXX mail a letter stating that XXXX XXXX accounts and XXXX regular savings accounts had been opened in my name. Additionally, I received a debit card and PIN ( in separate mailers ). Shortly thereafter I received XXXX letters from BofA telling my the accounts affiliated with my name had been reconsidered and closed. All these were waiting for me upon my return to town. 

I never applied for an account with BofA, not do I want one. I never applied for a debit card, not do I want one. 

I want some assurance that my credit ratings will not be impacted by these actions and that I am not affiliated with them in anyway whatsoever. 

The name and address used is : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. 

I sent an email to the fraud department of BofA a couple days ago but have not heard from them as of now. If I do, I 'll ask their assurance - in writing - that these transactions were fraudulent and that I am in no way associated with them. 

Thank you. 
XXXX XXXX 
",Older American,Consent provided,Web,2015-09-02,Closed with explanation,Yes,No,CR1549704,290
2015-09-02,Credit card,,Bankruptcy,,"Dear Sir/Madam, We are XXXX XXXX and XXXX XXXX XXXX. 
XXXX XXXX charged our XXXX XXXX credit card XXXX amounts of {$1400.00}, altogether was {$2800.00} without our consent. The story was : On XXXX XXXX, 2015, We used our XXXX XXXX credit card booked and paid for XXXX round trip tickets from XXXX to XXXX for {$1000.00} each through XXXX. 
The round trip ticket shows, we fly with XXXX from XXXX to XXXX and fly back by XXXX XXXX. 
On XXXX/XXXX/2015, We ENrded and flied with XXXX was fine. The return trip on XXXX/XXXX/2015 with XXXX XXXX which check-in and ENrding was smoothly, they DID NOT said any thing wrong with our tickets. until we checked our XXXX credit card statement. We found out XXXX UNAUTHORIZED charges of of {$1400.00} each, altogether is {$2800.00} by XXXX on the date we flew back from XXXX to XXXX on XXXX/XXXX/2015. These return trips were included in our PAID round-trip tickets. Why they charged us again for the trip we already paid for. 
First We called XXXX XXXX to complain about XXXX unauthorized charges, they said we need to contact XXXX XXXX to solve these problems, which We did. 
After weeks of complain with XXXX XXXX, on XXXX XXXX, 2015, they only credited us XXXX of {$530.00} XXXX Refunded XXXX money of round trip ticket? XXXX. We think the XXXX credits of {$530.00} were NOT the right amounts which XXXX unauthorized XXXX charge of {$1400.00} each, still {$1800.00} short. 
On XXXX XXXX, 2015, We sent registered mail to XXXX XXXX to complaint about their credits to us were NOT right amounts, but they replied "" Was unable to obtain credit to our account ''. These were really unfair practice of Eagle National Bank to their customers. PLEASE help us to get back our hard working and saving money back. 
Thanks for your reading time and helps. 

Sincerely. 

XXXX XXXX and XXXX XXXX XXXX 
",,Consent provided,Web,2015-09-02,Closed with non-monetary relief,Yes,No,CR1549716,227
2015-09-02,Bank account or service,Checking account,Problems caused by my funds being low,,"XXXX things are happening at Eagle National Bank : First, they offer overdraft protection on checking accounts. They deliberately process transactions in an order that results in the highest fee. For example, if there is {$30.00} in a checking account, and a transaction for {$20.00} and XXXX for {$35.00} is put through. Regardless of which gets there first, they process the higher amount first and then the lower amount, creating XXXX overdraft fees. Also, they do not post overdraft fees at the time it occurs, but rather post it days later. So your online balance shows positive, but days later several overdraft fees are posted! And what you saw as a positive balance, really was not. I used the overdraft but have never had so many problems keeping my balance on the positive side!! And it 's the excessive number of overdraft fees that are being applied after the fact that is making it impossible. It took me a year to figure out why I was having so many struggles with my checking account. I am looking for a new bank. I realize that what they are doing may not be illegal, but it certainly is unethical. It is usury in disguise! 
",,Consent provided,Web,2015-09-02,Closed with monetary relief,Yes,No,CR1548858,3816
2015-09-02,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-09-02,Closed with monetary relief,Yes,No,CR1548433,3702
2015-09-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-02,Closed with explanation,Yes,No,CR1549288,416
2015-09-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-02,Closed with explanation,Yes,No,CR1548093,2156
2015-09-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-02,Closed with explanation,Yes,Yes,CR1548216,36
2015-09-01,Bank account or service,Checking account,Using a debit or ATM card,,"I had my wallet stolen. My debit card was used for a purchase at XXXX. I immediately notified Eagle National Bank and cancelled my debit card. The bank has denied my fraud complaint and is going to pull the money from my account. I have provided them with a police report number and a statement. 
",,Consent provided,Web,2015-09-01,Closed with monetary relief,Yes,No,CR1546632,10828
2015-09-01,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,"I recently went to cash a check at a XXXX, MA branch of Eagle National Bank. It was a EN check made out to me. They asked for my photo ID, which was reasonable, which I provided. They then stated that in order to cash the check, I would need to submit to fingerprinting. There was nothing on the check stating that in order to cash it, I would need to submit my biometric data to a corporation. I felt that this was an unreasonable breach of privacy and offered to provide a great deal of other ID that I had on me such as credit cards, driver 's license, social security card, etc but nobody would cash my check without a fingerprint. I should n't have to be made to feel like a criminal for simply trying to cash a check from that bank without having to submit my biometrics. I would like to see the CFPB pass a regulation forbidding this practice as it is an unreasonable breach of privacy in order to accomplish a task so mundane as cashing a check. 
",,Consent provided,Web,2015-09-01,Closed with explanation,Yes,No,CR1547285,3678
2015-09-01,Bank account or service,Checking account,Deposits and withdrawals,,"I tried to give Eagle National Bank notice not to cash post-dated checks until the date written on the checks. Eagle National Bank claimed that the only way I could stop them from cashing the check early is to put a stop payment on the check and then release the stop payment on the date of check. Is that correct? If not, what can I do about it? 
",,Consent provided,Web,2015-09-01,Closed with explanation,Yes,Yes,CR1546392,4195
2015-09-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"It 's happened so weird, so I only ask the bank online to increase my credit line for information but not request. And then the bank send me notice and did n't ask my authorization and directly this is a hard pull. I can not believe it. How could this be? I only put info online and then, NO PHONE CALL NO TEXT NO MAIL NOTICE OR EMAIL, there 's a hard pull. And he said he need my more info, it 's funny cause when I made phone call, I said I gave up to increase my credit line. This is totally not my fault. SHAME ON Eagle National Bank. 
",,Consent provided,Web,2015-09-02,Closed with explanation,Yes,No,CR1548398,632
2015-09-01,Bank account or service,Checking account,"Account opening, closing, or management",,"Received offer over the internet reading "" Eagle National Bank is currently offering a {$300.00} checking account bonus that expires on XXXX XXXX, 2015, for targeted customers. Sign up for a new EN personal checking account and make XXXX qualifying direct deposit of {$2000.00} or more within the first 90 days of account opening and you will get a {$300.00} banking bonus for opening your checking account. This offer is only for select EN customers who do not already have a checking account with EN. There is no offer code required. "" I met all criteria. I called to ensure I would get the bonus. They checked and called back saying I would receive the bonus. I later received a letter dated XX/XX/XXXX stating "" To qualify for an incentive payout, the promotional offer code must be submitted at the time the account is opened. I called their CS # XXXX ( XXXX, I believe ) and read the above offer saying "" no promotion code needed. '' I was put on hold for some time and then told it was because each direct deposit did not total {$2000.00}. I quoted that it did not say "" each '' but she would not budge. They were obviously looking for ways to not pay the bonus. I asked to speak to someone else including the one who said I was eligible. She refused saying they were "" internal departments '' and could not speak with me. I have now stopped my direct deposits with the intent of closing the account, but would redirect and stay with them if they honored their advertising and marketing. 


When I chatting earlier on-line with individuals, I found they the reps disconneted when they did not know the answer. They are extremely difficult to work with and often very rude. I honestly have never experienced this kind of service of any other business. 
",Older American,Consent provided,Web,2015-09-01,Closed with explanation,Yes,No,CR1547258,2195
2015-09-01,Credit card,,Identity theft / Fraud / Embezzlement,,"Hello, I am victim of ID Theft. I have notified my craditor which is Eagle National Bank, cash rewards platinum visa credit card and made sure all the documents were sent in properly through certified mail. I have been authorized the n payments of XXXX dollars in month of XXXX, XXXX and XXXX which was posted to my account as of now ending in XXXX. I made sure I check with the bank after 8 days to make sure thry have revived the payments and they confirmed. Then suddenly thr funds were transferred back to unknown or old account whixh was closed due to IDTheft. Since then I have asked them to send me a new card and they have held my card up. They have said they sent XXXX cards but I have inquired about both of those which they never mailed out to me. Then I was told that if was waiting approval bur for what? I have been member since 2009 and had a excellent payment history. Holding my credit card whixh was made avai to me is a credit discrimination with the IDTheft victim. I was then told you will revive your card in 3 to 7 Bussiness days but never recited it. I am constantly paying the payments on the card on date we both agreed upon but I am not having the previalage to have my card avail for me to use. This is no coincidence that once I had disputed those amounts and pointed out lack of communication within department and how security of a member is been secured their authenticity is challenged. On order to defend their respective concerns they have held my card so I ca n't use or make future references which can make their side look bad. I would love to sue them for not sending my card and violating my rights as they ca n't just cancel or take my card once I am I 'd theft victim and then I have excellent paayent history. Thus they have to reimburse me for the discomfort thry have caused me by doing such actions. 
",,Consent provided,Web,2015-09-02,Closed with explanation,Yes,Yes,CR1548159,481
2015-09-01,Credit card,,Balance transfer,,"It is clear to me that I was scammed by people that knew well how to manipulate the system to their advantage. I tried to be very safe, asking the bank persons I spoke to each time to check that the repayments were all made as had been claimed before I sent any funds overseas. Not XXXX bank person ever warned me that the supposed payments could fail to be real at a later date, had I known that I would NEVER have proceeded. Furthermore I was also shocked that in general it is possible by any means to go so far beyond my credit limit- I imagined banks would have safeguards to prevent that too. That my name and a fake account in my name was used to 'pay ' these charges was also a fraudulent action. 
I have been a consumer using my credit carefully for many years, prior to this my FICO score was over XXXX, I never charged more than I could readily repay. These charges are now more than my pension or savings could possibly cover, like buying a house on charge cards. My retirement is clearly in jeopardy now and my life in general is also as I am so uncomfortable with this unresolved issue. I depended on bank employees for accurate information to operate safely, only to find the info they provided was not accurate but I am to be held accountable. 
I feel these debts in my name should be cleared and that better banking practices instituted to prevent scammers from abusing the system in the future. 
",Older American,Consent provided,Web,2015-09-01,Closed with explanation,Yes,Yes,CR1547226,3868
2015-09-01,Credit card,,Credit determination,,"Ref : Eagle National BankI have been working with a loan modification since 2010 Eagle National Bank and since then bank has damaged my credit ; I have a credit card with the bank never paid late bank has reported on my credit file I filed Bankruptcy never did. Lender has denied me to reopen my account after I settled loan modification and has discriminated me on my credit application or denied credit. I explained never had or claimed bankruptcy and bank america still showing it on my credit report and refused to deleted error inf.. Can not apply for any credit card and my credit has been damaged by the bank. 
",,Consent provided,Web,2015-09-01,Closed with explanation,Yes,Yes,CR1546106,2048
2015-09-01,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,Consent not provided,Web,2015-09-01,Closed with monetary relief,Yes,No,CR1547619,1625
2015-09-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-01,Closed with explanation,Yes,Yes,CR1547255,900
2015-09-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-01,Closed with explanation,Yes,No,CR1546332,3908
2015-08-31,Bank account or service,Savings account,"Account opening, closing, or management",,"I had opened a savings account in college that waived various fees because I was a full time student and under the age requirements. A couple of years after college my account automatically switched to a different/default choice of savings account without : a formal notification to me, a choice or preference in the type of account I was going to transfer to, providing a clear explanation of the new terms of that account. These new account terms changed a couple months after I was legally married and my husband XXXX. I began to accrue monthly maintenance fees within the first XXXX months and now have totaled over XXXX months and draining my account. 
",Servicemember,Consent provided,Web,2015-08-31,Closed with monetary relief,Yes,No,CR1545523,2996
2015-08-31,Credit card,,Other,,"EN Of America has violated my rights under FCRA, FCBA, FDCPA, XXXX, I was a victim of identity theft where a card was used fraudulently in my name, I have filed police Report as well a investigation was done by The National XXXX Credit Reporting Agencies, Asking them to remove the information from inaccurate reporting in my name. On XX/XX/XXXX I reported the card lost and stolen alongside some other documentation that was used without my permission EN/FIA Card services representative alerted me saying that the card would be immediately terminated and that a new card will be issued, any terms and agreements account statements balances besides the fraud will be mailed out with the new card, alongside a fraud statement packet to fill out and returned. As Of XX/XX/XXXX per EN/FIA Card Services internal records the new card and the fraud statement was never mailed out to me. As of XX/XX/XXXX EN/FIA Card services started reporting inaccurately to the national XXXX credit reporting agencies, delinquent account history while the account was being investigated. Failing to remove the information after being asked to in writing by me which is violation of FCBA. In till the matter was resolved. After another attempt to have them removed the inaccurate information. Eagle National Bank still reported the information inaccurately. knowing that the information contained errors. On XX/XX/XXXX I called in to EN/FIA Card services asking them to remove the information was told that a manager would respond in the next XXXX business hrs to no avail i did not receive a phone call. I sent Another letter asking them to remove the information in its entirety from The National Credit Reporting Agencies, which giving them the allotted time frame by federal and state law to correct the erroneous information. EN/FIA Card Services still continued to report the information. On XX/XX/XXXX I launched an investigation to the XXXX national credit reporting agencies asking them to remove the erroneous information from my file. They responded back to the credit reporting agencies that the information was in fact accurate. In XX/XX/XXXX I was able to obtain a letter stating that the account was opened electronically and that they could n't provide a signature opening the account and because of me being a concerned consumer and calling in that was enough proof for them to state that the account belong to me. I then Initiated a phone call to local law enforcement asking them to investigate the matter. In XX/XX/XXXX EN/FIA Card services representative by the name of XXXX, told law enforcement that no charges had been made to the card that they were reporting to the national XXXX credit reporting agencies that report number oca number XXXX XXXX NC Sheriffs Dept. XX/XX/XXXX EN/FIA Card Services representative XXXX XXXX Asked the National Credit reporting agencies to remove the information from off my consumer reporting file for violations under FCRA S 623 15 U.S.C. 1681s-2 That the information had been reported with actual knowledge of errors and Violation under FCBA S 161 section 170 15 i666 And Fair Debt Collection Practices Act 15 U.S.C. 1692d 1692 e 1692f. Which XXXX XXXX of the National Credit Reporting Agencies Can provide Proof of that Conversation. On XX/XX/XXXX After the information was removed EN Alerted the National Reporting Agencies Asking them TO re-report the information to my name and that they verified all information But failed to provide that information to the CRA 's Then took the inaccurate information assigned it to An outside Company by the Name of XXXX who in returned assigned the information to another debt collection firm by the name of XXXX. Without Sending me the Proper Notices Under those guidelines. 
",,Consent provided,Web,2015-08-31,Closed,Yes,No,CR1544117,2950
2015-08-31,Credit card,,Identity theft / Fraud / Embezzlement,,"I opened a AAA Eagle National Bank credit card in XXXX of 2015 In XXXX I got a call about fraudulent charges from somewhere in XXXX I did all the phone calls filled out all the paper work and I closed the account after several calls it seemed as if they had no clue .I was told fraud dispute was started.I called back when I got my statement and saw nothing was done.I was told it was not started the lady I spoke to said she would start the process in the mean time I was making payments even though I wanted to pay off the entire balance just to be done with this card .I closed the account for my piece of mind. I called back after my XXXX statement seeing as the dispute still was not resolved. I was told by next billing cycle I would be given my true balance that is all I wanted so I can pay it and get rid of this card.I got my statement not only is it not resolved they added back on the fraud disputed amount and charged me a {$25.00} late fee I dont even know when my billing cycle is because they locked my account and I did not get a paper statement.I will go through the ordeal of calling fraud center on Monday. All I want is to pay off this card but my actual charges and not foreign fees or late charges. I have been victimized over and over from this bank. I had this card for XXXX months and all these problems. XXXX XXXX XXXX years no problems. The customer service stinks .I will call XXXX and tell them terminate there association with Eagle National Bank.I hope someone can help me with accurate information the last charge I made was XXXX 2015 give me my balance minus payment what is so hard. XXXX XXXX /Acc # XXXX 
",,Consent provided,Web,2015-08-31,Closed with monetary relief,Yes,No,CR1544337,5081
2015-08-31,Bank account or service,Checking account,"Account opening, closing, or management",,"In XX/XX/XXXX I spoke with a representative of Eagle National Bank after receiving a statement that an account I no longer used was incurring overdraft and maintenance fees. I told the representative that I no longer used the account and that it should have been closed for inactivatiy. The representative I had believed reversed the fees and closed the accouterments but I found out on XX/XX/XXXX that Eagle National Bank sent these accounts to their collection department and XXXX. I owe them no fees as I did n't use the account after XX/XX/XXXX. Called on XX/XX/XXXX spoke to representative name XXXX XXXX and she kept referring me to call a branch even after explaining they could n't help cause they would n't give account information over the phone. 
",,Consent provided,Web,2015-08-31,Closed with monetary relief,Yes,No,CR1544294,2337
2015-08-31,Credit card,,Customer service / Customer relations,,"After receiving my EN credit card statement, I saw a charge I did not recognize. It was a {$200.00} charge from XXXX. 
I called Customer Service at EN to find out what the charge was for. They told me they could not tell me as, although their records did show the charge, the record did not show the reason for the charge. EN told me to contact XXXX directly. I tried to call, but there was no number on their website I could find that was responsive to the problem. 
I called XXXX back and informed then of the above and said to put amount under "" dispute '' until I was told the reason for the charge. 
On XXXX/XXXX/15 EN sent a letter ( attached ). XXXX responded by saying the {$470.00} charge was for XXXX. It is plain this was a non answer and I wrote to EN on XXXX/XXXX/15 ( attached ) so stating. Please note XXXX things ; first, I put "" XXXX '' rather than XXXX because my company is involved in credit and it is so close, I put down the wrong name. The second is my PS. Asking for a missing statement. Nothing was received. There is a handwritten note at the bottom of the letter that, on XXXX/XXXX/15 reflecting I called XXXX at EN Customer Service to, again, get the missing statement and was told it would be sent. Not! 
I received a letter 0n XXXX/XXXX/15 ( attached ) from EN stating the merchant had issued a rebuttal and they were accepting it and putting that charge back to my account. You can see it is the identical "" rebuttal '' sent in EN 's XXXX/XXXX/15 letter. 
On XXXX/XXXX/15 I received the enclosed XXXX/XXXX/15 letter. Interesting! I responded XXXX/XXXX/15 ( attached ) to see what EN 's response would be. There was no response. 
However, I did get EN 's last missive dated XXXX/XXXX/15 ( attached ) thanking me for enrolling my account and confirming the fact the first deduction will be on XXXX/XXXX/15. I called Customer Service and asked for copies off documentation showing I made such a request. They said they had none and would confirm that fact to me ( see XXXX/XXXX/14 letter attached ) Of course, there was no response to the letter or the promised confirmation. I am awaiting their next statement to discover their next move. I have paid all past charges on my EN statements other than the XXXX charge,. I will, in my next statement do the same. 
I do not consider the matter closed as my problem has not been addressed as shown by the above and attachments. Something foul going on with them on this matter. 
",Older American,Consent provided,Web,2015-08-31,Closed with non-monetary relief,Yes,No,CR1544396,4329
2015-08-31,Credit card,,Billing disputes,,"Before I got divorce my ex wife ran up the target and XXXX credit card. The divorce accord said she would take all responsibility on the target card and I would assume the XXXX card. In the accord it said my name would come off the card and not being affected by the amount of money or the credit score The target card number is XXXX and would expire on XXXX. My court number is XXXX from the state of Michigan. So I would like to have my name and credit off the credit card. She has frozen the account and is making payments on a fix plan 
",,Consent provided,Web,2015-09-05,Closed with explanation,Yes,No,CR1545491,4008
2015-08-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-31,Closed with explanation,Yes,No,CR1545530,6112
2015-08-31,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2015-09-05,Closed with explanation,Yes,Yes,CR1545569,3248
2015-08-31,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-31,Closed with monetary relief,Yes,No,CR1544074,765
2015-08-30,Bank account or service,Checking account,Using a debit or ATM card,,"I am a Eagle National Bank customer and was planning to travel to the XXXX XXXX on a cruise. I notified Eagle National Bankn on XXXX XXXX of my plans and gave the stops. I received an email from Bank of Ameirca confirming that my travel notice was set fro my debit card. On XXXX XXXX, I attempted to make a purchase Touch XXXX in XXXX XXXX using my Eagle National Bank debit card. It was rejected. I called the Bank from XXXX and spent XXXX minutes on the phone ( most of the time waitting ). I was finally transferred to the fraud department which confirmed that I did have a travel notice on my card. The representative attempted to approve the transaction and was unable. She transferred me to another representative who finally was able to put the transaction through. No one could explain why I encountered this problem. When I returned to the crusie ship I had a voicemail from the Bank on my cell phone thanking me for informing them of my travel. I complained to both the Fraud Department and customer service about the problem encountered using my depit card. 

I complained about the service and received an email on XXXX XXXX from XXXX XXXX of the Bank 's Enterprise Customer Care Resolution asking me to call. I ahave subsequently left three messages with no return call. I am seeking a explanation and an apology from the Bank 
",,Consent provided,Web,2015-08-30,Closed with explanation,Yes,No,CR1543983,4258
2015-08-30,Bank account or service,Checking account,Using a debit or ATM card,,"I recently went to get an account open at a bank and i couldnt because something came up on the XXXX. I looked it over and i saw that a bank reported that account for fraudulent activity. At the time that wae goin on I called them immediately after I found out my card was no longer in my position. So they questioned me and they started the investigation. They said I would receive a mail which i did not. I just let it go buy. Now 2 years later I 'm stuck with it. What do should I do? 
",,Consent provided,Web,2015-08-30,Closed with explanation,Yes,Yes,CR1543901,3156
2015-08-30,Bank account or service,Savings account,Deposits and withdrawals,,"This complaint is in regards to the false reporting, False information and poor privacy and security of thr Eagle National Bank in XXXX California where I had account with them since XX/XX/XXXX to XX/XX/XXXX. My account was compromised due to lack of their efficiency to resolve or to atlest have a better communication within their departments. I am fighting to attain my lawful rights and clear my name through XXXX where they had reported me even I disputed that amount of {$810.00} and i kept on sending them IDTheft documents and EN never investigated that issue and where the funds went because those funds were made available to me and was never had any problems with it and they never received it back so unknown person came in and took my money. The next thing i knownisbthat I am receiving the calls from Collections and investigations firm called XXXX XXXX XXXX XXXX. I then sent out XXXX XXXX affidavit of Identity theft with explanation and after their investigation thry cleared me that you are zero liable and they should return your XXXX. First of all reporting to XXXX system knowing the account holder is victim of IDTheft and it 's a violation, Collections is another violation because I had suffered a lot because every bank i would go they would n't let me open an account. I was very disappointed and discriminated because of their wrong doings and even now when everything rechecked ro it 's conclusion and the Fraud and if theft department specialist named XXXX and said it 's all cleared just send in the XXXX paper saying they had stopped the collections due to the investigators proved that I am zero liable and did n't do anything wrong. Since 3 years I have been asking them and they are making me go from one department ro other and no one seems to help. Secondly, then EN 's cancelling my checks alia also a illegal act for which I am going to report then to XXXX and XXXX XXXX. 
",,Consent provided,Web,2015-08-30,Closed with explanation,Yes,No,CR1543882,4064
2015-08-30,Credit card,,Customer service / Customer relations,,"XXXX XXXX, XXXX XXXX receives Eagle National Bank credit card stmt stating XXXX XXXX payment for {$120.00} is late he is charged {$2.00} interest and a {$25.00} late fee. XXXX asked daughter POA to find out why? She called credit card customer service XXXX XXXX EST same day. She prefaced discussion by stating account is in her father 's name alone and she is the POA. Wanted to know nothing about the account but was inquiring why bank failed to process automatic payment. Customer service representative refused to research problem unless she spoke to senior citizen. Daughter explained he lived XXXX miles away. She asked to speak with supervisor and questioned why payment was not made? Supervisor refused to respond to request. She stated daughter had no authority to inquire and there was no documentation of the POA. Supervisor repeated she was protecting account even when daughter explained senior citizen was XXXX yrs old with XXXX XXXX XXXX. Supervisor was very abusive accused daughter of fraud and locked account. This required XXXX to go to bank with a picture ID. Daughter explained senior citizen did not drive walked with walker, relying on her to handle his financial matters. Supervisor said senior citizen would need to present original POA. 

On Wednesday, XXXX daughter spoke with branch mgr, provided details and was told to meet on Friday XXXX. On XXXX daughter and son brought their dad walking with walker to meet with branch mgr. A copy of POA was presented with ID requested for XXXX daughter and son. Daughter explained they wanted to know why automatic payment was not made, get {$25.00} service charge removed from acct, make payment for {$120.00} and close account. 

The branch manager called card service department but she was unable to access information for account. She was asked to provide driver 's license number for XXXX present. She was asked to verify their identity. The card service supervisor asked to speak with senior citizen. With the XXXX 's arm shaking violently daughter heard the voice of same supervisor who locked account Monday XXXX XXXX. Senior citizen answered accurately name birth date and address. When asked if he understood what was wrong with account he replied he did n't really and she should speak with daughter. When he handed phone over to daughter supervisor screamed she needed to speak with bank manager. The bank mgr again requested access to the account. The supervisor refused stating she wanted POA sent to the legal department. The branch manager questioned why if we were closing account. The supervisor asked to speak with senior citizen again. She asked him if he knew prior address from XXXX. XXXX shaking even more profusely accurately told her previous address. She asked if he knew crossroad which intersected with his previous address. He answered question accurately. This was a clear case of senior citizen harassment. Finally the supervisor unlocked the account. 

The automatic payment was not made because bank recently audited its records. When the authorization for automatic payment was made the XXXX 's wife was primary on the account. His wife passed in XXXX but card center failed to remove her name until last year. As a result of updated audit the card center removed automatic payment authorization, not notifying second cardholder causing automatic payment not to process and generated late statement. XXXX paid bill and {$25.00} late fee was refunded. 

Complaints : Harassment of a XXXX senior citizen and POA 's, failure to notify the owner of the account of the removal of the automatic payment authorization resulting with the late payment notice, interest charged and a late fee, failure to remove the hold on the account when all parties sitting in front of the bank manager presented adequate ID. 
",Older American,Consent provided,Web,2015-08-30,Closed with explanation,Yes,Yes,CR1543859,8030
2015-08-30,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-09-01,Closed with explanation,Yes,Yes,CR1544027,2977
2015-08-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Case number : XXXX are the papers to prove my statements and the lack of Eagle National Bank not taking them seriously, as evidenced in their reply to you. 
",Servicemember,Consent provided,Web,2015-08-31,Closed with explanation,Yes,Yes,CR1544182,1796
2015-08-29,Bank account or service,Checking account,"Account opening, closing, or management",,"While I was on the phone with a representative of Eagle National Bank, I was attempting to link my credit card to my DDA/Savings online banking profile. The representative, XXXX, requested my social security number, and it was provided. XXXX stated that my social security number only displayed the credit card account. By deductive reasoning, this obviously indicates that my social security number is not contained in Eagle National Bank 's records for my DDA/Savings accounts, which they are required to collect at account opening. They should have this information on file, but have stated that they do not. 

In a separate but additional complaint, I was assessed a {$10.00} overdraft protection transfer fee on XXXX/XXXX/15 but my account did not and would not have had a negative balance had the overdraft protection not been applied. As shown in the provided supporting documentation, with the exclusion of the {$11.00} overdraft protection transfer, my account balances at any point on XXXX/XXXX/15 would have been a positive balance. In addition, making a {$11.00} transfer to cover an overdraft and on the same day assessing a {$10.00} fee, netting "" protection '' of just {$1.00} seems quite predatory on consumers, especially considering in this case my account would not have even been overdrawn. 
",,Consent provided,Web,2015-08-29,Closed with monetary relief,Yes,No,CR1543535,638
2015-08-29,Credit card,,Identity theft / Fraud / Embezzlement,,"I purchased XXXX notebooks from XXXX on XXXX XXXX, 2015 for ~ {$16.00} and that charge was on my card. Five days later, while I was at work, there was {$280.00} transaction from the same XXXX on the same card I used previously. I caught this transaction that I did not authorize the same day it happened and called Eagle National Bank to submit a dispute. I was informed I could not submit a dispute until the transaction was no longer pending. In the mean time, I called XXXX XXXX to see if I could figure out more information. I could not. I called Eagle National Bank immediately when the charge was no longer pending to make a dispute. I was informed that because XXXX said my actual card was swiped that Eagle National Bank could open an investigation, but that the charge would stay on my account. They refused to give me the benefit of the doubt during a very lengthy investigation period of 2-3 months. Meanwhile, they advised me to not pay they charge and let interest accrue and IF the dispute came back in my favor, they would excuse the charge and pay back the interest accrued. Lastly, I had to ask if I would get a new card because fraud was committed with my card ( this was not suggested by Eagle National Bank even though I told them I had an unauthorized charge ) and I was informed to monitor my card, but that a new card was not necessary at that time. I felt this was misleading and poor advice and called back later to order a new card. It took 10 days to receive. The investigation is ongoing. 
",,Consent provided,Web,2015-08-29,Closed with monetary relief,Yes,Yes,CR1543723,1948
2015-08-29,Credit card,,Transaction issue,,"On XXXX/XXXX/2015, I purchased XXXX round trip airline tickets from XXXX using Eagle National Bank VISA credit card. The total amount was US dollars XXXX and the purchase was made online from my home computer.It was confirmed by XXXX XXXX that this transaction was made in New York and there was no XXXX transaction fees involved ever. 
On XXXX/XXXX/2015, while checking my VISA credit card account status, I had noticed that the bank had charged an additional amount of {$30.00} each for XXXX airline tickets, that was not included, informed nor authorized by me at the time of transaction. 
Since I was not aware of any foreign transaction for purchases made within the United States, in US dollars, I immediately contacted the Eagle National Bank VISA card customer service, and they refused to refund the entire amount of foreign transaction fees. 
In the past I had purchased airline tickets online from XXXX using XXXX master card and there was no foreign transaction fees involved in any of the purchases made in US dollars in United States. 
Therefore, hereby I am humbly requesting a fair investigation on this unfair business practice for the satisfactory resolution for my concern and the refund of the entire foreign transaction fee that is unfairly charged to my VISA credit card on the online purchase made in US dollars and within the United States. 
",,Consent provided,Web,2015-08-29,Closed with monetary relief,Yes,Yes,CR1543662,3910
2015-08-29,Credit card,,APR or interest rate,,"This Eagle National Bank card is over 10 years old and i have paid many thousands of dollars more than I have charged on this card. The interest rate is also very high. 
",,Consent provided,Web,2015-08-29,Closed with explanation,Yes,Yes,CR1543484,4901
2015-08-28,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Homeowner filed a claim with his insurance company for damages to the home. Insurance company issued a check made payable to both the bank ( mortgage holder ) and homeowner to pay the claim. Both homeowner and bank needed to be signed on back of check for endorsement and release. After numerous calls and complaints into the bank they continued to refuse to endorse the insurance check that was sent to be used for home repair. It was later revealed the bank used my insurance funds to satisfy a judgement award in a seperate matter. The damaged home accrued further damage due to the bank 's negligence and reckless handling of not resolving this issue in a timely fashion. 
",,Consent provided,Web,2015-08-28,Closed with explanation,Yes,Yes,CR1541733,13576
2015-08-28,Bank account or service,Checking account,Problems caused by my funds being low,,"I was accessed an overdraft fee for a little over {$1.00} being overdrawn for less than a few hours. I 'm not denying the validity of {$35.00} fee, but I would like it waived as I do n't feel that the circumstances surround the fee justify it 's amount. I also received another {$35.00} overdraft fee, two days later, when my account, once again, was overdrawn for less than a few hours. 

On XXXX, I called the call center XXXX times and spoke with XXXX different managers. They all told me the same thing - we waived a fee for you in XXXX and we 're not going to do it again. And each time I told them that I would leave the bank, they said "" we 'd hate to see you leave, but we 're not returning the fee. '' I even went above them and called a Customer Advocate who told me the exact same thing - I was confused who she was advocating for at that point, because it was clearly not the customer. And the same thing with her - she was willing to let a loyal consumer leave the bank before she budged an inch with waiving the fee. On XXXX, after being assessed the second {$35.00} dollar fee, I used the "" chat with us '' system. I told the customer service representative what had happened, and he stated that if it was going to be resolved by being taken off of my account, than the first representative would do that. I then told him that I was going to file a complaint and he insisted that I wait for his manager. While waiting, I received numerous "" we 're busy, we 'll be with you in XXXX minute '' responses. Nothing was resolved. 

I 've been with Eagle National Bank for over five years. It has n't always been perfect, I 've gotten overdraft fees before - I 've paid some and I 've had some waived. At the end of the day, I 'm still a good customer with XXXX accounts, a credit card, and I 've told many people good things about the bank when they inquired about where they should do their banking. 

I would like to see the bank waive the {$70.00} in overdraft fees. If they are not willing to do that, than I would like to withdrawn my funds and begin banking somewhere that wants my business more than they want a fee. 
",,Consent provided,Web,2015-08-28,Closed with monetary relief,Yes,No,CR1543131,1692
2015-08-28,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,"I was required by XXXX ( XXXX XXXX XXXX to obtain a XXXX Signature for a Transfer on Death application. I was unaware that the Eagle National Bank XXXX EN ), where I have several accounts, dropped this service several months ago. My EN branch said to contact Merrill Lynch. When I asked whether an account at Merrill Lynch was required, the answer was vague. Subsequently, I found out that one had to drive to an office an hour away and even then open an account. I spent several weeks trying in vain to find out where I could get this service. Finally, I went to nearby banks and found that they all provided XXXX XXXX. 
",Older American,Consent provided,Web,2015-08-28,Closed with explanation,Yes,Yes,CR1542629,908
2015-08-28,Bank account or service,Checking account,Deposits and withdrawals,,"My wife went through the drive-thru at Eagle National Bank on XXXX. She had XXXX checks totaling {$5100.00}. She deposited {$4600.00} and took {$500.00} in cash. She received a deposit slip which showed {$4600.00} deposited. I received a letter on XXXX stating there were only XXXX checks and that {$25.00} would be taken out of our account. How can they do this once we have a deposit slip proving what we deposited. They could claim they did not get any checks or even a teller could take it. In this case they found the check XXXX days later and put it back into our account but if they did n't what would happen. 
",,Consent provided,Web,2015-08-28,Closed with explanation,Yes,No,CR1542496,3798
2015-08-28,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,"On XXXX XXXX, 2015 I erroneously sent an electronic payment to a BofA XXXX card, in the amount of {$1500.00}, that I had closed 5 years prior. The account was CLOSED NOT DORMANT. I called my bank XXXX XXXX XXXX XXXX on XXXX to stop payment. Apparently the were not able to stop the payment. Instead of BofA rejecting the payment, as XXXX informed me they should, they cashed it on XXXX XXXX, 2015. I have filed claims with each bank as well as made dozens of phone calls and visits to the branch. XXXX XXXX confirms BofA took the funds but BofA continues to tell me they do not have record of my payment. It has been nearly a month and no one can tell me who has my {$1500.00}. The account I sent payment to was a closed account. Why did BofA take my money? 
",,Consent provided,Web,2015-08-28,Closed with explanation,Yes,No,CR1542426,10998
2015-08-28,Credit card,,Cash advance,,"I have a dispute with Eagle National Bank on how to calculate the variable interest rate for XXXX XXXX XXXX ( XXXX ) charged to a Credit Card Account ending in # XXXX. 
We both agree the contractual rate for any XXXX on the Account is calculated using the "" index '', the U.S. Prime rate as published in the XXXX XXXX XXXX with a margin of XXXX. 
We disagree on whether interest rate charged to the Account increases or decreases as the XXXX XXXX XXXX fluctuates. Bof A contends the rate is fixed at the time of the transaction - the XXXX XXXX XXXX. I contend, per the contract at page XXXX of XXXX, "" How to Calculate Variable Rates '', quoting the contract verbatim - emphasis added in brackets : "" An increase or decrease in the index will cause a corresponding increase or decrease [ note the disjunctive ] in your variable rates [ plural ] on the first day of your billing cycle .... "" The Credit Card Agreement goes on to explain, again, quoting the contract verbatim : "" An increase in the index means you will pay [ mandatory ] higher interest charges and will have a higher Total Minimum Payment Due. '' Simply put, the interest charges may go higher. BofA asserts the interest charged can only go higher but NEVER lower. The U.S. Prime has indisputably gone down, but Eagle National Bank will not re-calculate interest rate charges to reflect "" the decrease in your [ consumer 's ] variable rate ''. 
I believe our dispute centers on how to read a credit card agreement written by the Bank. 
I believe the contract must read as a whole construed according to applicable law. If the APR for a XXXX can go up, it certainly can go down. This means the consumer should be paying LOWER interest charges when the XXXX Prime Rate goes DOWN per the express terms of the Credit Card Agreement. 
Even if Eagle National Bank is correct and the APR for the XXXX will remain permanently at XXXX - the rate is unconscionable - it amounts to a penalty rate not reflecting market conditions when the XXXX Prime goes down, but only accepting the variable rate when the U.S. Prime Rate goes up - penalizing the diligent consumer who has not defaulted. 
I seek a recalculation of the APR for any XXXX when the published U.S. Prime Rate went down and the balance on the Account corrected. 
Respectfully Submitted. 
",Older American,Consent provided,Web,2015-08-28,Closed with explanation,Yes,No,CR1541897,1980
2015-08-28,Credit card,,Other,,"was put on a creditcard as other user but had my own card with same company and now its showing up on my credit report as bad credit when I never used it. 
",,Consent provided,Web,2015-09-09,Closed with non-monetary relief,Yes,No,CR1541752,5263
2015-08-28,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2015-08-28,Closed with non-monetary relief,Yes,No,CR1542129,3898
2015-08-28,Credit card,,Closing/Cancelling account,,,,Other,Web,2015-08-31,Closed with explanation,Yes,Yes,CR1541644,1318
2015-08-28,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,Other,Web,2015-08-31,Closed with explanation,Yes,No,CR1542987,2163
2015-08-28,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2015-08-28,Closed with explanation,Yes,No,CR1542277,7855
2015-08-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-28,Closed with explanation,Yes,No,CR1542514,1522
2015-08-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I 've been a customer of Eagle National Bank for many years. As of late, they have been treating me poorly and unfairly. They are charging me an outrageous rate for interest and are not willing to comply or understand during financial hardship. I 've called many times and have left messages only to be rejected or not even have my phone call returned at all. This bank is careless and truly does not care about it 's customers. Even under new applications it states that the highest interest rate and was completely different that the one I was given. They even lowered my credit limit on another card for no reason. 
",,Consent provided,Web,2015-08-27,Closed with explanation,Yes,Yes,CR1541176,1611
2015-08-27,Bank account or service,Checking account,"Account opening, closing, or management",,"I had my Eagle National Bank checking account as well my credit cards accounts closed without a warning or reason.I just found out about it after trying to use my credit cards and getting denied. When I went to the bank to get an explanation i was given a XXXX number with a message saying they can terminate their relationship anytime and do not need a reason for it. 
",,Consent provided,Web,2015-08-27,Closed with explanation,Yes,No,CR1540708,1491
2015-08-27,Bank account or service,Checking account,"Account opening, closing, or management",,"I lost my wallet and all my bank card was in with my information that how my account was closed I did report and told then excate what I am telling now I should not be in the XXXX cause some one still my identity. 
",,Consent provided,Web,2015-08-27,Closed with explanation,Yes,No,CR1539434,1083
2015-08-27,Bank account or service,Checking account,"Account opening, closing, or management",,"I signed up for Eagle National Bank 's ( EN ) free online checking XXXX years ago - {$0.00} fee checking account if I do not use the teller. Recently, without my consent, EN automatically converted my account to a "" Core '' account, which has a XXXX monthly maintenance fee associated with it. I only saw the change when I was reviewing my account statement, when the {$12.00} fee was automatically deducted from my balance. I was not aware of the change. EN buried the change in one of their electronic notices, which they could not confirm that I received, much less read/understood. 

EN 's policy preys on people who have low balance, and may not have the resources or understanding of their rights. If EN no longer see that I 'm a profitable customer, it may be their right to cancel my account without my consent. But EN does not have the right to charge me a fee without my consent and understanding. If banks are allow to do this, they can "" bait and switch '' by signing customer up with attractive offer, and then change the policy without customer consent and knowledge to a high fee account. 

This case is different than low introductory APR credit cards in that, low introductory APR credit card disclose their rate hike after introductory period. In this case, EN materially changed their policy without getting customer consent. EN could have easily gotten the customer consent/understanding by displaying a simple message during an ATM transaction ( or other touchpoints ) and request customers to confirm understanding, or call their customers to notify. 
",,Consent provided,Web,2015-08-27,Closed with explanation,Yes,Yes,CR1539787,59
2015-08-27,Bank account or service,Checking account,Problems caused by my funds being low,,"My name is XXXX XXXX. I 'm writing this complaint behalf of my wife XXXX XXXX XXXX. 

On XX/XX/XXXX after her college education, my wife moved back to her mother 's house. She called Eagle National Bank for XXXX things : ( 1 ) update address and ( 2 ) cancel the auto-transfer between the checking and saving ( She used to auto-transfer {$400.00} from checking to saving to pay monthly rent in college. Now since she moved back to her mother 's place, the auto-transfer is not applicable any more ). The customer rep from EN told her everything was taken care of. 

On XX/XX/XXXX, we got married and she became a staying home mother taking care of our newborn. At that point, we decide to not use her EN account for any other purpose but paying her student loan. Meanwhile she called again to updated her address to XXXX XXXX XXXX XXXX, XXXX MA XXXX. So every month, I will calculate the amount we need to pay to XXXX XXXX and transfer the money from my EN checking account to her EN checking account. Next day, XXXX XXXX ( now XXXX ) would withdraw the exact amount from her account, which I transferred earlier. We never realize there is an issue until XX/XX/XXXX. 

On XX/XX/XXXX, my wife and I logged into her very inactive EN checking account, we found we have been charged over-draft fee {$35.00} for MANY times. I immediately contacted EN. They explain to us that the reason over-drafting fee happened mainly due to the XXXX dollars auto-transfer which she called to cancel back on XX/XX/XXXX. There will always be XXXX dollars short in checking account to pay XXXX XXXX after the auto-transfer because we only transfer the exact amount for loan payment each month. 

We told them that we have already cancelled the auto-transfer long time ago. Also we have never received any letter from EN saying we have over-drafting issue. They could n't give us an answer. They suggested us filing a fraudulent claim because they said it could be irregular online activities. EN refused to refund our over-drafting fee before the investigation was concluded. They told us we would receive a phone call in 2 weeks about the decision. 

We have waited for almost a month and half. No one ever called us. So we called them again. This time they told us the claim was denied due to the fact the auto-transfer was setup before XX/XX/XXXX and never got cancelled properly. We argued we called in and cancelled it. They told us the only way to cancel it is to go to the banking center. However, they cancelled it over the phone with us afterward, which raise a big doubt about their practice and consistency of their statement. My wife was very upset because she was told it was taken care of way back on XX/XX/XXXX. 

So I called them again to ask why there is never an over-draft notice sent to us when it happened. We could take care of it before it got dragged to the point cause a couple hundred dollars loss to us. We work hard for our money and no one wants to be charged {$750.00} over-draft fee within a period of 2 years. After hours of phone call with them, they eventually told us the address has never been updated. So the letter was sent to my wife 's college apartment. We could n't believe it. That was more than 5 years ago. Among this period, she said she had at least called EN 3 times to update the address - now we actually live in XXXX, MA. This time, the Rep from EN said she felt very sorry, but she wo n't be able to refund our over-drafting fee due to the fact it has passed 90 days. 

At this point, we strongly felt we have been played by their system. They refused to refund the money belong to us with the reasons do not stand. We are definitely not the first victims. There is something need to be done. 
",,Consent provided,Web,2015-08-27,Closed with monetary relief,Yes,No,CR1540922,3428
2015-08-27,Bank account or service,Checking account,Problems caused by my funds being low,,"Since I opened my account with Eagle National Bank I 've noticed a pattern of allowing larger items to be processed prior to smaller items regardless of the order in which the items are presented. I 've had several overdraft fees refunded as a result of bank error primarily because of charges accrued after a deposit was made. I 've gone into the bank and tellers suggested that I set up balance alerts. My alerts were initially set for {$25.00}, if my account fell to {$25.00} I was supposed to get text and email. I would receive notice only after I 'd been charged overdraft fees. I went back to the branch and raised the alert balance to {$100.00} this was XXXX XXXX, and despite increasing the alert limit with the banker I still have continued to receive alerts once my balance has dropped below {$25.00} after my account has received overdraft fees. For example today XX/XX/XXXX I logged into my account and noticed I have been assessed XXXX overdraft fees yesterday but no notice still today. Additionally I made a deposit of XXXX dollars on XX/XX/XXXX. Despite making this deposit at XXXX on the XXXX, on the XXXX I was assessed XXXX more overdraft fees at {$35.00} each. This month I also have a charge for {$14.00} still pending and the charge was done XX/XX/XXXX that was put through today with an overdraft charge. In contrast a charge for XXXX was n't presented until the XXXX but it went through prior to the XXXX dollar charge.. Neither with appropriate alerts despite setting up alerts on several occasions. When I filed a complaint and complained previously they refunded only XXXX of overdraft charges today. I have been charged {$1700.00} in overdraft fees since XX/XX/XXXX, as a result of the same practices and {$240.00} is n't sufficient considering that this practice has been ongoing since I opened the account in XX/XX/XXXX. 
",,Consent provided,Web,2015-08-27,Closed with monetary relief,Yes,No,CR1539405,4283
2015-08-27,Bank account or service,Checking account,Using a debit or ATM card,,"Someone is in the process of stealing {$900.00} from my checking account from ACH XXXX XXXX Card. Eagle National Bank told me because the payment is still processing there is nothing they can do until the payment posts to my account. Which is 3 to 5 business days. So my account is over drawn {$350.00} until the payment posts!!!!!! Then I can finally make a claim. They wo n't even start the process until the money is actually stolen instead of stopping it before it is gone. This does n't make any sense to me! 
",,Consent provided,Web,2015-08-27,Closed with monetary relief,Yes,No,CR1540236,863
2015-08-27,Bank account or service,Checking account,Deposits and withdrawals,,"To Whom it May Concern, Several years ago, I formed a XXXX, XXXX based in XXXX, Nevada. As part of the business setup, I opened a bank account with Eagle National Bank, also located in XXXX, Nevada. At the time that I opened the account, a bank representative encouraged me to apply for a business credit card under the company name. I agreed, applied and was issued a company credit card. The account number is XXXX. 

For the next several years, the company did use the credit card and did incur debt on the card. For years, all card bills were paid on time and the account was current. XX/XX/2015, Company was forced to close the company down because of local economic conditions. At the time the company closed, there was still an estimated {$8000.00} of debt on the credit card, and the company had no assets to repay the debt. Since the closure, the partners in the company have been discussing filing for company bankruptcy but have not yet done so. 

Since the closure of the company, Eagle National Bank has called on several occasions requesting payment on the credit card. I have told them on many occasions that the company had closed, had no assets and was in the processing of evaluating all options to settle outstanding debt. They informed me at that time, that I was personally responsible for the company credit card debt. I noted in the conversation that at no time did I ever sign any agreement accepting a personal guarantee for the company credit card and debt. Then, in another phone conversation with a Eagle National Bank representative, I was told that the responsibility was with the XXXX only and that any debt would be reported to a Business Bureau credit reporting agency. So, I was given conflicting information in separate phone conversations. 

On XXXX XXXX, 2015, without any notice, either written or by phone, Eagle National Bank unilaterally decided to debit one of my personal checking accounts ( acct. # XXXX ) in the amount of {$1400.00} and left me with a balance of {$300.00}. I immediately called the bank to inquire about this charge on XXXX XXXX, 2015. I was told by a bank representative that no one would be available until Monday, XXXX XXXX to discuss. I had no access to desperately-needed funds over this period. I did finally reach a bank representative on XXXX XXXX. During the call, I was told that the bank made a "" business decision '' to take the {$1400.00} out of my account to pay on the business credit card. I immediately objected and reiterated that this was a company card and had no connection with my personal accounts. I advised the bank that there were several officers in the company, and I had no personal obligation to settle this. Further, I asked them to send me the signed agreement whereby I agreed to, and authorized, such recourse in the event of an account delinquency. To date, they have not produced any such agreement or terms and conditions authorizing this theft. 

I have repeatedly asked the bank to reverse this transaction, and they have refused. I consider this unauthorized and theft of my personal funds. 

I appreciate your consideration of assistance in this matter and fear that others may suffer as well by Eagle National Bank 's reckless and criminal actions. 
",,Consent provided,Web,2015-08-27,Closed with explanation,Yes,No,CR1540852,2754
2015-08-27,Credit card,,Billing disputes,,"Eagle National Bank is not allowing me to file a dispute on a part of charge ( {$590.00} out of {$1700.00} ) with the merchant XXXX XXXX XXXX XXXX who has negligently lost my property while cruising and now refuses compensation. 
",,Consent provided,Web,2015-08-30,Closed with explanation,Yes,Yes,CR1540727,4404
2015-08-27,Credit card,,Credit line increase/decrease,,"Credit card companies lower the credit limit, even after having the cards for over 10 years and always making payments on time. By them lowering the limit, the credit cards get maxed out and the credit score of course gets lowered! 
",,Consent provided,Web,2015-08-27,Closed with explanation,Yes,No,CR1539508,2869
2015-08-27,Credit card,,Other,,"I am writing in regards to Eagle National Bank 's reporting of account # XXXX to XXXX, XXXX, and XXXX on XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX XXXX. Eagle National Bank has violated the Fair Credit Reporting Act ( "" FCRA '' ) sections 623 ( a ), 623 ( b ), and 605 ( c ) on multiple occasions by re-aging Eagle National Bank account # XXXX, which has caused myself irrevocable harm. Eagle National Bank has reported three ( 3 ) separate DOFD dates in regards Eagle National Bank account # XXXX on at least three ( 3 ) separate occasions, including the most recent on XXXX XXXX, XXXX ( XXXX/XXXX/XXXX ). Each occasion constitutes XXXX ( XXXX ) violations, as information was provided to XXXX, XXXX, and XXXX. 

On XXXX XXXX, XXXX ( XXXX/XXXX/XXXX ), Eagle National Bank reported the Date of First Delinquency ( "" DOFD '' ) to account # XXXX to reflect XXXX, XXXX ( XXXX ). In XXXX ( XXXX ) earlier reports provided by Eagle National Bank to XXXX, XXXX, and XXXX, the DOFD date was reported to reflect XXXX, XXXX ( XXXX ) and XXXX, XXXX ( XXXX ). In total, Eagle National Bank has reported XXXX ( XXXX ) DOFD dates on account # XXXX resulting in re-aging this account XXXX ( XXXX ) times, via incorrect reporting provided to XXXX, XXXX, and XXXX. 

Eagle National Bank does not have documentation on this account prior to XX/XX/XXXX. Per the account statement of XX/XX/XXXX, the account was past due {$1600.00}. In addition, statements provided via DV requests from creditors show the account was never brought current from XX/XX/XXXX, and a DOFD can not be determined without documentation prior to XX/XX/XXXX. It is appallingly apparent that prior CRA reporting is incorrect on this account, as there can not be ( XXXX ) XXXX separate DOFD dates on the same account. 

Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act states : ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act states : ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

By law, Eagle National Bank should be fined {$15000.00} or greater for violations due to repeated incorrect reporting on this account. Unlike the FDCP, the FCRA allows for multiple fines and additional compensation for irreparable harm caused by incorrect reporting to credit reporting agencies. 

Section 623 ( b ) ( 1 ) ( E ) of the Fair Credit Reporting Act states : ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanentlyPer section 623 ( b ) ( 1 ) ( E ) of the Fair Credit Reporting Act, this account must immediately be deleted from my credit report unless Eagle National Bank can provide documentation explaining why XX/XX/XXXX is the correct DOFD, which is impossible, given that XX/XX/XXXX is the Charge-Off date on the account. 

I demand that Eagle National Bank immediately delete account # XXXX from my credit report via XXXX, XXXX, and XXXX. 
",,Consent provided,Web,2015-08-30,Closed with non-monetary relief,Yes,No,CR1538957,3342
2015-08-27,Credit card,,Rewards,,"I had a World Points MasterCard from Eagle National Bank with a 9.99 % interest rate. At some point in time several years ago they sent a letter stating that any future purchases would be subject to a hire rate. I do n't recall the increase, but it was significant so I decided not to charge anything anymore. I had gone through a divorce and lost my job so the balance on the card was very high. It has taken me 4-5 years to pay off that balance, but my next payment will XXXX it out ( the balance due is less than {$4.00} ). About that time, 4-5 years ago, I noticed while reviewing my online statement that they listed the name, address and social security number of a man in a nearby town with the same name as me. When I called to notify them, they were horrible saying that the man with the other name must be name. I asked them if his address and social security matched what they had on file for me and they said no. I asked them who was able to see my SSN because of their carelessness. My online access to the account was immediately terminated. Fast forward to yesterday and I wanted to log back in to see how many points I had. I reached out to them and they told me I had no online banking and could n't access my statements. I told them I wanted to see my statements online and they told me I was getting paper statements and that was good enough. They also told me that they were denying me online access because my log in information was not linked to anything. I asked them if I had a balance due and they told me what it was. So I stated that I was linked to "" something '' for them to be able to get that information. I asked them how many points I had and they told me I forfeited the points when the account was closed. I never closed the account, have been getting monthly statements and making payments above the minimum due for several years - so I did n't know they closed my account. The point to this is that I have accumulated a LOT of reward points that I want. They closed my account and took my points away from me without notifying me. Are they allowed to just close your account and take your points away? I want my points back as I have made every payment on time for the past 4-5 years. Eagle National Bank really does not care about the average person. 
",,Consent provided,Web,2015-08-27,Closed with non-monetary relief,Yes,No,CR1539639,1706
2015-08-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-08-27,Closed with explanation,Yes,Yes,CR1539353,158
2015-08-27,Credit card,,Transaction issue,,,,Consent not provided,Web,2015-08-31,Closed with explanation,Yes,Yes,CR1539105,9675
2015-08-27,Credit card,,Other,,,,Consent not provided,Web,2015-09-03,Closed with explanation,Yes,Yes,CR1539752,731
2015-08-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-27,Closed with explanation,Yes,Yes,CR1540895,3236
2015-08-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-08-27,Closed with explanation,Yes,No,CR1540041,414
2015-08-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-09-02,Closed with explanation,Yes,No,CR1539325,3115
2015-08-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-27,Closed with monetary relief,Yes,No,CR1540818,6175
2015-08-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-27,Closed with explanation,Yes,No,CR1540926,1268
2015-08-26,Credit card,,Bankruptcy,,"Eagle National Bank is falsely reporting to credit agencies that XXXX accounts I had with them were discharged in a Chapter XXXX bankruptcy. They were instead included in a wage earner ( Chapter XXXX plan ). The notation of Chapter XXXX is negatively impacting a mortgage application I have pending because while it is permissible to obtain a mortgage with a Chapter XXXX it is not with a Chapter XXXX. This is a clear violation of the Fair Credit Reporting Act. These are the improperly reported accounts as they appear on my XXXX credit report : Eagle National Bank XXXX Opened XXXX XXXX High Credit Limit $ XXXXXXXXEagle National Bank XXXX Opened XXXX XXXX High Credit Limit $ XXXXXXXXEagle National Bank XXXX Opened XXXX XXXX High Credit Limit {$3000.00} 
",,Consent provided,Web,2015-08-26,Closed with non-monetary relief,Yes,Yes,CR1538715,1963
2015-08-26,Credit card,,Advertising and marketing,,"False advertisement, deceiving and unfair business practices demonstrated by Eagle National Bank. I intended to use balance transfer checks that I have been receiving as "" as special offer '' from Eagle National Bank. In order to use the transfer checks and transfer higher paying interest to a new lower interest credit I made a large payment to the BofA account ( XXXX ). That would allow enough limit in the credit for the transfer and to have a lower credit interest overall. Just after the payment was made, aprox. XXXX days later, I receive a letter indicating that my credit line was cut by more than 50 %. This is credit I already had no new credit I was applying for. BofA action prevented me using the transfer checks and not being able to take advantage of the advertised offer and lower my overall interest rate. I am very angry because I could have use the large payment I made to BofA ( {$16000.00} ) for other things and keep paying as I usually do. I must mention that we had this credit card for around 30 years. I could have used the money to lower other payments. Their action just not only sabotaged the balance transfer, but also, for the credit bureau, it reported the card as over 95 % use thus decreasing the my overall credit score. This action from BofA was totally deceiving, arbitrary, unfair and also, damaging. 
",,Consent provided,Web,2015-08-26,Closed with explanation,Yes,Yes,CR1536987,4754
2015-08-26,Credit card,,Delinquent account,,"When Eagle National Bank did not receive a payment from me on time, or even 30 days after the payment was due, they did not bother to call, text me or mail any correspondence to me. They were emailing statements to an old email address which I failed to update them with however they had my phone number and my mailing address. I was only made aware of the late payment as Eagle National Bank mailed me a letter after the payment was already 60 days late. This letter advised that my payment was 60 days late and as a result my credit would be adversely affected and that they 've lowered my account balance from {$4500.00} to {$500.00}. 

Upon receipt of this letter I called Eagle National Bank to first off pay my account balance of {$6.00} which was initially due on XXXX/XXXX/14. After I paid the balance I spoke with someone to dispute the lowering of my limit and asked if they could retract or note their reporting to the credit reporting agencies differently so it would n't affect me negatively. Their argument to not calling or mailing anything to me was that I selected paperless statements. I brought up the fact that that any debtee will try all methods possible to reach the debtor and collect that payment. They were of no help, the rep. was very rude and they still have not mailed anything, as they promised, with their answer to my disputeAs a customer of Eagle National Bank, I would think that they 'd want me to receive the best service, that they 'd want me to keep a good standing account with them and that they 'd look out for my best interests. In this case I feel like Eagle National Bank failed me and then they penalized me. All of this was totally avoidable had I updated my email address or remembered that I had charged {$5.00} on my card however in the event I failed on my part, Eagle National Bank should 've called me, texted me or mailed a letter to me as soon as they did n't receive a payment when it was due. Instead they mail me a letter after my payment is already 60 days late. If they were capable of mailing this letter, why could n't they have sent me XXXX 60 days before letting me know the payment was late? There should be a rule to protect the consumers and state that the debtee must try all methods available to them to reach the debtor as soon as the payment is late. 
",,Consent provided,Web,2015-08-26,Closed with monetary relief,Yes,No,CR1537003,3428
2015-08-26,Credit card,,Payoff process,,,Older American,Consent not provided,Web,2015-08-26,Closed with explanation,Yes,Yes,CR1538731,4761
2015-08-26,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-08-26,Closed with explanation,Yes,No,CR1537298,2150
2015-08-26,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-08-26,Closed with monetary relief,Yes,No,CR1538507,2161
2015-08-26,Credit card,,Balance transfer fee,,,,Consent not provided,Web,2015-08-26,Closed with monetary relief,Yes,No,CR1537437,3267
2015-08-26,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-08-26,Closed with monetary relief,Yes,No,CR1538476,1351
2015-08-25,Bank account or service,Checking account,Problems caused by my funds being low,,"I made a truck payment on a Friday and everything was fine I even put extra money into my account to cover everything. I account was showing positive and as well as Tuesday morning even. Then I get hit with a XXXX dollar overdraft fees. I called customer service and he told me that the online banking can give false readings on weekends and is n't accurate. I was very upset cause I worked hard to keep everything positive and then they just blind sided me with these bogus fees. Please help. 
",,Consent provided,Web,2015-08-25,Closed with monetary relief,Yes,No,CR1535918,4460
2015-08-25,Bank account or service,Checking account,"Account opening, closing, or management",,"Several years ago, I opened an eBanking account with Eagle National Bank. I was told that the account did not have a monthly fee if I conducted all of my transactions on-line or by ATM. I noticed a $ 12 monthly charge on my last bank statement and I called the Bank to inquire about the charge. Eagle National Bank told me that my account was changed because it got rid of the eBanking account. I did not receive any notice of this change or the charges. I think it is unfair that the Bank can change the type of account without providing notice of the change ; potential charges ; and time for the consumer to either switch banks or bring the account in compliance with the new account requirements. 
",,Consent provided,Web,2015-08-25,Closed with monetary relief,Yes,Yes,CR1534875,2254
2015-08-25,Bank account or service,Checking account,Problems caused by my funds being low,,"This complaint is in regard to Eagle National Bank.. Per previous complaint, Eagle National Bank did resolve the issue of refunding/removing me the overdraft charges totaling {$140.00} on or about XXXX/XXXX/2015. However, as soon as that was done I was assessed fees on not only my checking account but also my savings account. Such as a maintenance fee. I complained to their representative and on or about XXXX XXXX, 2015, I informed her I wanted both account closed. I was n't paying there fees and if they wanted to they could sue me. 
This next issue is what set me off. She removed the fees, closed the accounts and blocked the accounts so I could no longer have access to them. 
On both the savings and checking accounts I had my own monies left on them. Approximately $ XXXX {$15.00} which they owe me. HELP 
",Older American,Consent provided,Web,2015-08-25,Closed with explanation,Yes,No,CR1536221,2407
2015-08-25,Bank account or service,Checking account,"Making/receiving payments, sending money",,"We sent a payment to the wrong vendor {$2600.00} Dated XXXX/XXXX/2015 Check # XXXXEagle National BankXXXX XXXX XXXX Tx XXXXEagle National Bank did cash the check on XXXX/XXXX/2015. After contacting Eagle National Bank they promised to look into and do all they could to refund us our money. After numerous attempt they would not follow up with us and would not refund us our money. 
",,Consent provided,Web,2015-09-04,Closed with non-monetary relief,Yes,No,CR1534938,2836
2015-08-25,Bank account or service,Checking account,Problems caused by my funds being low,,"I have been reported by Eagle National Bank on XXXX XXXX,2015 and the information is inaccurate. I was offer an settlement offer on account ending # XXXX, in the amount of XXXX if paid by XXXX XXXX. I set-up XXXX payments to be withdrawn from an different account of {$37.00} which both payments has been satisfied by such date. I contacted Eagle National Bank and explain to them that I was given an settlement to prevent further collections activity. I have spoken to several representatives regarding this matter and no resolution. I have been contacted by a manager and when I tried calling her back I have n't received a follow up called back from Eagle National Bank. This account has been reported inaccurately. Please make necessary corrections. The account should be consider paid in full for the settlement amount I was offered {$74.00} ( +/- ). 

Also, I noticed on my report that account ending # XXXX has been reported for the incorrect amount owed at closing. The account was charged off with an outstanding balance owed {$450.00} ( +/- ) of which I have called the collections company to set-up payment arrangements. Please have amount corrected. 
",,Consent provided,Web,2015-08-25,Closed with explanation,Yes,No,CR1534528,1478
2015-08-25,Credit card,,Other,,,Older American,Consent not provided,Web,2015-08-25,Closed with explanation,Yes,No,CR1535931,1592
2015-08-25,Credit card,,Other,,,,Consent not provided,Web,2015-08-25,Closed with explanation,Yes,No,CR1536135,13071
2015-08-25,Credit card,,APR or interest rate,,,,Consent not provided,Web,2015-08-25,Closed with explanation,Yes,No,CR1534644,612
2015-08-25,Credit card,,Other,,,,Consent not provided,Web,2015-08-25,Closed with monetary relief,Yes,No,CR1535877,1671
2015-08-25,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,Consent not provided,Web,2015-08-25,Closed with explanation,Yes,No,CR1535243,3070
2015-08-25,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Other,Web,2015-08-25,Closed with explanation,Yes,No,CR1536129,2098
2015-08-24,Bank account or service,Checking account,"Account opening, closing, or management",,""" To receive the {$300.00} bonus, you must open a new Eagle National Bank Core Checking account and set up and receive XXXX Qualifying Direct Deposits of {$2000.00} or more each to your new personal checking account within 90 days from account opening. "" I received the ad in mail from Eagle National Bank. Because of the attractive bonus, I opened a new checking account and then transfer my salary to it. 3 months later, I did not get any bonus as they committed at beginning. I called their customer service hotline, contacted the teller who set up the new account and resubmitted the relating documents to one of EN branches. Nobody can tell me exactly what 's the "" qualified deposit '' is. My company paid me every two weeks, the bi-weekly income is less than {$2000.00}, but the "" qualified deposit '' they required is monthly income .... I believe it 's a big trap for consumers. I wasted too much time to call their customer service, and they kept transfer my call to another person, and they asked the same questions about your account information, your name, birthday, social security number, when you tried to get the solution, they said they are going to transfer you to the right department, and you never know where is the right department. 
Eagle National Bank is a lier! I wo n't trust them any more. Do n't trust their promotions, they are professional liers who are ready to trap you all the time. 
",,Consent provided,Web,2015-08-25,Closed with monetary relief,Yes,No,CR1532283,655
2015-08-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank Has Been Placing Hard Inquiry on My Credit Report. They Keep performing hard inquiry again and again. Numerous Certified Mail Phone calls and Even lack of Proof on my part to authorize them has not been investigated nor even acknowledged by the Eagle National Bank. My credit report is on fraud Alert and itys really hard to place a hard Inquiry. These are the Numerous dates of they inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They ca n't provide a proof for my authorization for these inquiries. Yet no Response from The Bank nor any compliance from Credit Bureaus. Please note the same branch and location of this Bank Keeps Placing Hard Inquiry on My Credit Report. 
Eagle National BankXXXX XXXX, TX XXXX ( XXXX ) XXXX 
",,Consent provided,Web,2015-08-24,Closed with explanation,Yes,No,CR1532189,1226
2015-08-24,Bank account or service,Checking account,Problems caused by my funds being low,,"I have been charged over {$1400.00} by Eagle National Bank in less than XXXX months for overdraft fees. All the overdraft fees are directly related to XXXX, which they have classified on my account as a "" recurring '' purchase, which is why it has been paying it out. The over drafts are all less than {$5.00}, and I have requested Eagle National Bank to return XXXX to a normal status on my account, and not the recurring characteristic that they have changed the designation to, in order to prevent the fees from being payed out. The account is a bank account set up to allow a younger sibling to take a specific amount of XXXX 's each month instead of the bus, and when he reached his dollar threshold previously, it would force him to take the bus. Now, the account overdrafts and charges me massive amounts of fees, defeating the entire purpose and set up. This is absolutely outrageous to have been charged {$1400.00} in overdraft fees in less than XXXX months for a designation EN decided to change with no notice to me, and now will not change back. 
",,Consent provided,Web,2015-08-24,Closed with monetary relief,Yes,No,CR1533147,10275
2015-08-24,Bank account or service,Checking account,Deposits and withdrawals,,"I opened an account with Eagle National Bank on XXXX 2015. On XXXX I deposited a check from my XXXX account and they had the money within any problem. On XXXX XXXX I deposit a check for XXXX from XXXX too because my employer deposits my salary direct on XXXX. Well, XXXX paid the check to Eagle National Bank on XXXX XXXX but now Eagle National Bank is holding my money up to XXXX. I ca n't understand why they are holding my money if the check was paid to them. That 's unfair because I had to wait XXXX days in order to get paid from my company, it 's an abuse that they make me to wait XXXX more days 
",,Consent provided,Web,2015-08-24,Closed with explanation,Yes,No,CR1532458,3566
2015-08-24,Credit card,,Transaction issue,,"I am enclosing a complete file of materials that I have submitted to Bank America regarding dresses that I bought the fabric for and had a tailor to make them at a cost of almost {$500.00}. Unfortunately, none of the dresses fit.. They are too tight across the bustline and the zippers do not work. Bank America has decided that I have not submitted sufficient information for them to make a decision regarding the fact that XXXX XXXX did not provide the services that I requested. 
",,Consent provided,Web,2015-08-24,Closed with explanation,Yes,No,CR1533150,62
2015-08-24,Credit card,,Customer service / Customer relations,,"I paid the balance In full via telephone, and got a confirmation number for the transaction. 
Eagle National Bank acknowledges receiving the payment but to date the payment has not been posted. 
EN can offer no explanation why my account has not been credited, even though mychecking account has been debited and my bank has provided documentation that the funds were sent to ENDate of payment - XX/XX/XXXX/15Representative - XXXX XXXX 
",,Consent provided,Web,2015-08-24,Closed with monetary relief,Yes,No,CR1533299,4263
2015-08-24,Credit card,,Billing disputes,,"I was issued a refund for the credit protection plan. This has not been updated on my credit report, as required by the terms of the Consent Agreement that EN entered. I would like this remediated. 
",,Consent provided,Web,2015-08-24,Closed with explanation,Yes,No,CR1533990,913
2015-08-24,Credit card,,Late fee,,"In XXXX 2015, I opened a Eagle National Bank credit card to make a big-ticket purchase from a sporting goods store because of the incentives provided by the credit card. It was the only purchase I made with the card. 

Upon receiving my first bill, I saw that there was a late fee because Eagle National Bank had not received a payment for the previous billing statement. I was unaware that there was a previous statement. I submitted a payment for the full purchase amount, which was posted on XXXX XXXX, 2015, prior to the XXXX XXXX, 2015 due date. On XXXX XXXX, 2015, I contacted Eagle National Bank to close the account and to see about having the late fees etc ... removed. At that time, I was informed that the account was closed, but there was nothing that could be done about the late fees. 

I contacted Eagle National Bank again on XXXX XXXX, 2015, because the bank has begun reporting my account Past Due even though it has been closed for several months. According to the bank representatives I spoke to, my only recourse is to pay the late fees and interest, and then they can request a refund of the late fee ( which is only {$25.00} of the current {$49.00} balance ) as well as a request to update the credit reporting ; however there is no guarantee that either request will be approved. Additionally, I was informed that if had requested assistance with the late fees earlier, Eagle National Bank would 've been able to remove them ; which contradicted what I was told in XXXX. 

I acted in good faith by paying the purchase balance of the credit card as soon as I was aware there was a balance due, and it 's not unreasonable for Eagle National Bank to exercise leniency as a result. 
",,Consent provided,Web,2015-08-24,Closed with monetary relief,Yes,No,CR1533455,11713
2015-08-24,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-08-24,Closed with explanation,Yes,No,CR1532405,4480
2015-08-24,Credit card,,APR or interest rate,,,Older American,Consent not provided,Web,2015-08-24,Closed with explanation,Yes,No,CR1532497,8738
2015-08-24,Credit card,,Billing statement,,,,Consent not provided,Web,2015-08-24,Closed with explanation,Yes,No,CR1534030,2452
2015-08-23,Credit card,,Other fee,,"On XXXX XXXX, I bought airline tickets using my Eagle National Bank credit card, on XXXX XXXX website ( XXXX ). There were a total of XXXX transactions on my statement for this purchase : XXXX tickets ( {$1000.00} each ), plus XXXX seat upgrades ( ranging from {$29.00} to {$100.00} each, for a total of {$530.00} ). 
Despite the fact that these tickets were purchased on a US website, from a US merchant, in US dollars, Eagle National Bank charged a foreign transaction fee of 3 % for each of those XXXX transactions, totaling {$80.00} in fees. 
I contacted Eagle National Bank and requested that they cancel and refund these fees. Eagle National Bank representatives maintained that the fees were correctly charged and legitimate as the transactions were processed in XXXX, and refused to refund them. 
This is a deceptive and abusive practice as there was no way for me at the time of the purchase to know that there would be such a fee ( as, again, I was making a transaction with a XXXX merchant on a XXXX website in XXXX dollars ), and therefore I could not avoid those fees ( by, for example, choosing a different method of payment ). 
",,Consent provided,Web,2015-08-23,Closed with monetary relief,Yes,No,CR1532113,610
2015-08-23,Credit card,,Identity theft / Fraud / Embezzlement,,"this acct is fraudulent and when initially submitting information was not totally complete this was a case of identity theft and needs to be removed from your records and my file asap 
",,Consent provided,Web,2015-08-23,Closed with explanation,Yes,No,CR1531825,3885
2015-08-23,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-08-23,Closed with explanation,Yes,No,CR1531973,1240
2015-08-23,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-08-23,Closed with explanation,Yes,Yes,CR1531828,2099
2015-08-22,Bank account or service,Checking account,Problems caused by my funds being low,,"I have not been using my account for over 6 months. When I checked the account it had occurred over {$630.00} in overdraft fees alone. There were over XXXX {$35.00} fees from where one company tried to take money out of the account. 
",,Consent provided,Web,2015-08-22,Closed with explanation,Yes,No,CR1531610,13404
2015-08-22,Bank account or service,Checking account,"Account opening, closing, or management",,"I went to Eagle National Bank at XXXX XXXX XXXX XXXX in XXXX, TN XXXX to follow up on a service charge refund and the manager, XXXX, violated my privacy by calling out my account balances in the lobby where other customers were waiting to be seen. She also talked down to me because of what I was inquiring about as well as tried to tell me how to do my personal job and that I was doing it wrong in front of other customers. She was disrespectful, extremely unprofessional, and told me to close my business account because it was n't being used in the way she saw fit. She closed the account without any verification of who I was or without my signature. I had to go to another branch to open the same account in which she had closed with no written permission. She made me very upset to the point where I was being bullied into closing my other accounts and wanting to change banks entirely. She interrupted me many times to give her input on what she thought I was going to say. 
",,Consent provided,Web,2015-08-22,Closed with explanation,Yes,No,CR1531691,1457
2015-08-22,Bank account or service,Checking account,Deposits and withdrawals,,"The colossal stupidity and incompetence at the XXXX XXXX XXXX branch of Eagle National Bank is unparalleled and has reach dizzying heights of monumental XXXX. They once again failed to wire transfer {$4600.00} to the correct party yesterday and on top of that, no one called to let me know even though they have my cellphone number on the account. In other words they let a whole day go today and when I could have fixed it they failed/refused to even let me know about it. This is the third time they have done this in 6 months, amongst other major training problems with their XXXX staff. In the past they have arbitrarily blocked my ATM card from making routine mundane charges for "" fraud protection, '' refused to credit me when I purchased electronic goods that did not work and were defective, and opened up a Lawyer Escrow account as a regular checking account. The manager at this branch needs to be re-trained if not fired for incredibly stupidity and XXXX training of her staff, which appears to have a turnover rate of new employees every few weeks. Not only that but they allow accounts to go negative and bounce checks without notifying you so that they can clandestinely collect a fortune in fees. Please urgently assist. 
",,Consent provided,Web,2015-08-23,Closed with monetary relief,Yes,No,CR1531486,2991
2015-08-22,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-08-22,Closed with explanation,Yes,No,CR1531558,4663
2015-08-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-08-22,Closed with non-monetary relief,Yes,No,CR1531725,12051
2015-08-21,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank did an unexpected or unauthorized automated payment from my personal account to my inactive past due small business credit card account that had been inactive for months. The amount of the transfer is {$490.00} and happened XXXX XXXX, 2015. 
",,Consent provided,Web,2015-08-21,Closed with explanation,Yes,Yes,CR1529670,1326
2015-08-21,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank did not only open XXXX but XXXX checking account in mine and my mother 's name after XXXX of them they already closed for fraudulent activity I believe they 're stupid 
",,Consent provided,Web,2015-08-21,Closed with non-monetary relief,Yes,No,CR1529914,1444
2015-08-21,Bank account or service,Checking account,"Account opening, closing, or management",,"I have had a checking account with Eagle National Bank since XX/XX/XXXX. XX/XX/XXXX, they changed the terms of service and began charging a $ XXXX monthly fee, which was contrary to the promises a customer service representative had made about terms of service in the ( very recent ) past as the terms had changed only a few years before and I had discussed this with a banker in the branch. I never received notification of the XX/XX/XXXX change, and they never attempted to receive an acknowledgement or confirmation from me. After complaining, I did, however, receive a refund for three months of fees, but they still have five months of fees ( {$60.00} ) that have not been refunded. 
",,Consent provided,Web,2015-08-21,Closed with monetary relief,Yes,No,CR1531057,1200
2015-08-21,Bank account or service,Other bank product/service,Deposits and withdrawals,,"On XXXX/XXXX/2015, I went to a Eagle National Bank ATM, located at XXXX XXXX XXXX, XXXX MA. When I went to the ATM, I deposited {$550.00} in cash and {$320.00} in checks. It processed the cash and "" ate '' the checks - it took them into the machine and failed to acknowledge the action. It gave me no option to return the checks to me. 

I immediately called Eagle National Bank and alerted them that the ATM had not confirmed my check deposit and was not following typical behavior. I was told that it was 'not a problem ' and that in 3 business days the checks would appear on my account. After 3 business days, I did not see the checks so I called Eagle National Bank. 

They told me then, that they would investigate the issue and get back to me within '6 weeks. ' They temporarily gave me the missing {$320.00}. After 6 weeks, I was told that I was out of luck - that I had to have the checks reissued, and that there was nothing they could do. They then removed the {$320.00} from my account. I raised the issue again, as I feel this is unacceptable, and they took another 3 days to look further into the matter before restating that there was n't anything they could do. They could locate my transaction ( the deposited {$550.00} in cash during the same transaction ) but 'could not locate the checks. ' 
",,Consent provided,Web,2015-08-21,Closed with monetary relief,Yes,No,CR1530193,4788
2015-08-21,Bank account or service,Checking account,Problems caused by my funds being low,,"We are now being charged XXXX for using our overdraft protection plus the interest. We have no problem with the interest, but why a new XXXX fee each time we use it. Also, we are now limited to XXXX trans actions per month on transfering our own money from XXXX acct to another. After XXXX tranactions ... a fee is imposed? 
",Older American,Consent provided,Web,2015-08-21,Closed with monetary relief,Yes,No,CR1529927,824
2015-08-21,Bank account or service,Checking account,"Account opening, closing, or management",,"Wife opened an individual checking account with Eagle National Bank ... ..Several weeks later we opened a joint checking account with them as well ... ... Check was presented in joint account that was returned for insufficient funds ... ... We corrected the issue and placed cash in the account to cover the same ... ... ..We received an alert from Eagle National Bank to contact and to resolve the issue ... .We did so accordingly early that morning ... ..Later that afternoon, we went to the ATM to get money out ... ... Unable to do same and needed to call the Risk Closure center ... ..We called them and they said that they will need to close the account due to "" fraudulent activity '' ... Make me understand where placing money in your account is fraud ... ... They refused to keep the account open ... ..To make matters worse, my wife 's individual account had been used by her on multiple occasions ... ... Eagle National Bank closed her account as well ... ..That was insulting to us that a small mistake that we resolved cost us full closure of our accounts ... .They treated us like we were criminals and did not try to assist us ... ... Why send the alert to resolve it and then close the account afterwards ... ..To make matters worse, we still have money in the accounts that we can not access because they will be sending it to us in the form of cashier 's checks ... ... .Went to the local branch to try to resolve it ... ..System stated that they could not reopen account all the way up to branch manager ... ... A bad way to treat a potential customer ... ..I understand about the accounts being new but to close both accounts was a little ridiculous to me ... ... My wife was fuming about the whole situation because she deposited money into her account and there was no issues with it ... ... ..We have been basically banned from Eagle National Bank for a minor mistake that was resolved in less than XXXX hours once it occurred ... ... .. 
",,Consent provided,Web,2015-08-21,Closed with explanation,Yes,No,CR1529863,3492
2015-08-21,Credit card,,Billing disputes,,"Eagle National Bank charged fees for a payment that was sent on the XXXX of the month, when their new monthly cycle starts. I called them and they would not refund it. XXXX XXXX XXXX XXXX. 
",Older American,Consent provided,Web,2015-08-21,Closed with monetary relief,Yes,No,CR1529838,1780
2015-08-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Eagle National Bank ( possibly other banks ) use antiquated timeframes for transactions to clear my checking account when using my debit card and/or routing number with bank checking account number as an electronic funds transfer/transaction forcing me to wait XXXX hours or as many as XXXX hours to show online and deducted from my available balance. This causes me to waste my own personal time, which is money, and my ability to enjoy my life, pay for items I need such as food, transportation and clothing. Think about it, before I can conduct a transaction the cashier or online website must contact the bank to verify I have the funds to complete a transaction in seconds. However Eagle National Bank does n't have to show it online in my bank account for 1, 2, 3 or more days, possibly 5 business days ... how is this even legal in the digital age? If I am using an old fashioned method like a paper check maybe, but even then the casher runs my check through an electronic machine to verify I have the funds ... then why are n't banks like Eagle National Bankn required to show the amount verified and reduce that from my available balance immediately? We consumers need this and in this digital age we all know it is possible. For example, when I pay my XXXX cell phone bill it clears my Eagle National Bank account almost immediately ( less than XXXX minutes online with my checking account ). Why do n't all my electronic transactions clear like this, there is no reason other than Eagle National Bankn holding out as long as possible to post the transaction to earn interest on millions of account holders or worse to cause us to forget we made that transaction so we have to go into overdraft and pay {$35.00} in overdraft fees, or even worse still up to {$100.00} in fees if there are insufficient funds and both Eagle National Bank and the vendor I was trying to make a purchase charge me $ XXXX {$35.00} insufficient funds charges and still do not pay for the transaction! I need someone like the CFPB to make sure Eagle National Bank makes all electronic transactions "" electronic '' and in "" real time '' like my XXXX online payments to clear and post within XXXX minutes not 1-3 days. This is costing me time and money, it is wrong in todays world. If my account can be verified for available funds in seconds then when that same transaction is completed that must appear as reduced from my account at that moment not 3-5 business days later. 
",,Consent provided,Web,2015-08-20,Closed with explanation,Yes,Yes,CR1528078,1340
2015-08-20,Bank account or service,Checking account,Deposits and withdrawals,,"To Whom It May Concern : I am filing a complaint against Eagle National Bank ( EN ). 
I have had both Savings and Checking accounts with Eagle National Bank since XX/XX/XXXX. After making some deposits into my accounts recently ( XX/XX/XXXX ), my accounts and ATM card had been frozen without any justification. When I went to the Bank, they could n't give me any justification or reasons as to why my accounts and ATM got frozen. 

Later, the bank issued a letter dated XX/XX/XXXX stated that they have made the decision to close my accounts and the balance will be mailed to me in a cashier 's check. 
I went back to the bank once again and demanded that I must know the reason as to what prompted the bank to come up with this decision. They would n't tell me anything and handed me a toll free number to contact. 

I called the toll free number ( XXXX ) many times and left several voice mails, but received no calls from the Bank authority. 

I received a cashier 's check with the balance that I had on my saving account dated XX/XX/XXXX. 

Finally, on XX/XX/XXXX, I received another letter from Eagle National Bank stating that they have closed my account and remaining balance ( checking account ) wo n't be returned to me. 

I went back to the bank once again with the letter and asked why my remaining balance ( Checking account balance ) wo n't be returned ; the bank authority insisted that they have no information and asked me to call toll free number ( XXXX ). I obliged and called. Left voice mail once again and as of yet, I have not received any calls from the Eagle National Bank. 

Please note that I had a significant amount in the checking account and as of yet, Eagle National Bank has not returned my money that was left in the checking account. 

Eagle National Bank also treated me as a customer very poorly. 

Attached please find some attachments that will help to determine how Eagle National Bank dealt with me. 
",,Consent provided,Web,2015-08-20,Closed with explanation,Yes,No,CR1528626,417
2015-08-20,Credit card,,Identity theft / Fraud / Embezzlement,,"Eagle National Bank Continues to report derogatory information to national credit reporting agencies after a year of disputing information that was considered identity theft and fraudulent transactions that where done in my name. after receiving documentation from local law enforcement, on XXXX XXXX 2015 member of Eagle National Bank fraud dept XXXX XXXX Supervisor after doing investigation ask and told all three national credit agencies to remove the information from off my consumer credit file. which was removed and placed back on my file two weeks later without any proper notice or warning of actions they intended on taking. which was a violation of fcra laws that protects against financial institution rescinding or placing fraudulent information on consumers protection files. On XXXX XXXX 2015 member of Eagle National Bank Fraud dept By name Of XXXX XXXX discovered that Eagle National Bank never mailed out card or any corresponding documents that would had allowed me to opportunity to dispute the charges as well them never taking into account the police documentation that they received naming the people that had done the fraud. On XXXX XXXX 2015 Eagle National Bank assigned the information to XXXX XXXX XXXX and associates which is a debt collection firm and sending me an order to cease and desist from calling Eagle National Bank about the account and that any thing i needed to discuss had to go thru XXXX XXXX based out of georgia which is a debt collection firm, Which representative by the name of XXXX XXXX XXXX alerted me that they where unable to remove the information from my consumer credit file and that i needed to speak with another third party collection company which whom they moved the debt to by the name of XXXX XXXX XXXX XXXX out of XXXX North Carolina. Which all are refusing to re-removed the debt under fair credit reporting Act As well Fair Credit Billing Act, North Carolina Fair debt Collections Practices Act. After Speaking with XXXX XXXX In the victim assistance unit for Eagle National Bank she refused to remove it even though knowingly she admitted that there were mistakes done on Eagle National Bank 's behalf and that she does n't have to speak with me and forwarded me back to the following collections agencies after having over 300 days to rectifiy the matter. Also there where no account statements sent to me. As they continued to report derogatory information in my name. And not doing a comprehensive investigation. Had took my rights away as a consumer to resolve this matter. 
",,Consent provided,Web,2015-08-20,Closed,Yes,No,CR1527748,1287
2015-08-20,Credit card,,Other,,"I opened a secure account with Bank America XX/XX/XXXXpartial account from my credit report # XXXXaddress id XXXXthe amount was XXXX the account was last use in XX/XX/XXXXI was XXXX the security was deducted however theysent this account to collection which as been terminated becauseI did owe on this account they have been reporting this as a charge off!!! 
it has been removed from my XXXX report but its still onmy XXXX and XXXX ACCOUNT! 
Bank America did agree to remove these accounts from the trade linebut it has yet to do so with these XXXX credit reporting agencies!! 
Under federal law, once a borrower has erased a debt in bankruptcy, banks are required to update the credit reports to indicate that the debt is no longer owed, and remove any notation of "" past due '' or "" charged off. "" Eagle National Bank promised to go further, agreeing to fundamentally change the way the bank reports all the stale debts that are sold to financial firms. For all credit-card debts sold since XXXX, court records show, the bank will remove any marks on consumers ' credit reports. 
",,Consent provided,Web,2015-08-20,Closed with explanation,Yes,No,CR1527769,1107
2015-08-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I made a bill payment using Eagle National Bank 's Online Banking bill payment feature for the first time. The bill was to be paid on XXXX XXXX, 2015 and the payee was a XXXX Credit Card. The day after the bill was to be paid, the payment was shown as 'paid ' in the Bill Pay XXXX Bill History screen but does not show as having been 'paid ' in Account XXXX Account History screen nor does it even show as being a 'pending ' transaction '. I called Eagle National Bank customer service and was told by the agent that despite the bill being shown as 'paid ' on the bill payment screen, the bill would only be deducted from my checking account when EN 's credit card department had 'cashed ' the paper check that EN, the Bank had sent to them. They could not tell me when that would occur but that I should "" keep in mind '' not to spend the money or the account might go into an overdraft situation. What kind of trickery is this? Showing a bill as 'paid ' and yet not debiting the account until some future, indeterminate time? How many EN customers must believe they have paid bills using Eagle National Bank 's online bill pay system only to discover that they had not? If I were very cynical, this process seems another way to deceive customers into overdrawing their accounts, thereby allowing the bank to charge overdraft fees. Citibank, the other bank with which I pay bills, deducts the account at the moment the check is drawn or the electronic transfer is made. There is never any confusion there. 
",,Consent provided,Web,2015-08-20,Closed with explanation,Yes,Yes,CR1527840,7411
2015-08-20,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-08-20,Closed with explanation,Yes,No,CR1528060,2252
2015-08-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-20,Closed with explanation,Yes,Yes,CR1528131,1218
2015-08-19,Bank account or service,Checking account,"Account opening, closing, or management",,"I believe that my banking account with Eagle National Bank has been comprised by identity theft. my cell phone along with my wallet and other papers was stolen a few months ago now which had access to my banking account. On My phone was a bank application, and confidential information stored throughout the phone, including the ability to conduct online options deposits and transactions. I have received adverse activity now and have Been flagged now by XXXX under fraudelent activity. My accounts with Eagle National Bank have been shut down. I contacted the bank first, but had no luck with recovery of information or help. 
",,Consent provided,Web,2015-08-19,Closed with explanation,Yes,No,CR1525700,2358
2015-08-19,Bank account or service,Checking account,Using a debit or ATM card,,"I had a Eagle National Bank checking account which I closed today. Lately they 've been charging overdraft fees BEFORE I overdraw the account. If the account gets under {$7.00} Eagle National Bank with initiate an Overdraft Transfer and then charge a {$10.00} fee on top of that. I 've had BofA for years and this is the most recent scam of theirs to get extra money. I 've spoken to BofA XXXX times in the past month and I got reimbursed the XXXX XXXX times with the most recent incident earlier today resulting in me closing the account. The CSR said that BofA is "" assuming '' that I will overdraw and to prevent that from happening they initiate a tranfser. My ending balance on XXXX XXXX, 2015 was {$5.00}, the following morning BofA inititates a transfer to keep my from overdrawing before I overdraw the account?! It 's bad enough they 're charging me {$2.00} for even looking at my balance on an out of network ATM but this is just so underhanded and sneaky. I still have a savings with them but I may close that soon. This is n't how overdraft works you charge me when I overdraft not before when you think I might especially when there were no pending transactions at the time of the overdraft transfer. This is the second time I 've closed a checking account with BofA because of their practices. I have XXXX other checking accounts which I use more frequently and I 've never had these problems with those XXXX other accounts. They try to justify the charges by saying that by the end of XXXX XXXX, 2015 I would 've overdrawn. I knew my account my close to {$0.00} which is why I checked the balance and because of the BofA inititated transfer of {$14.00} my account was still positive. Had that transfer not been inititated by BofA I would 've seen that my account was close to {$0.00} and initiated the transfer myself. Not once did my account drop below XXXX NOT ONCE. They charged me a fee and transferred funds all while the account was positive, way to nickel and dime your customer. 
",,Consent provided,Web,2015-08-19,Closed with monetary relief,Yes,No,CR1526007,4572
2015-08-19,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX I sold XXXX XXXX to a buyer on XXXX for XXXX. 
I received a receipt for the Eagle National Bank deposit via the website. I could see that the deposit was made in cash. I sent the coins to the buyer thinking that everything looked okay. 
The next day on XXXX, there was withdrawal on my checking account of XXXX. I called Eagle National Bank the same day.and filed a fraud claim.I called back the next day and they said that not enough time has passed and that they are still investigating what happened. I finally received a call today, XXXX from the Eagle National Bank fraud department and they said that someone else filed a fraud claim on the XXXX and they are holding the money while they investigate. They said that I may be liable for fhe fraud because someone had my checking account number. I explained to them that the checking account number is printed on every check i have written from Eagle National Bank and that the information is not that private. They said it had nothing to do with checks, I guess they did not understand the point I was trying to make.The bank also said that I should file a police report with my local department. This crime occurred in another state, Washington so the police would no power there. I feel that I am being treated unfairly and the money I received in cash to my account for coins that I purchased for about XXXX is being held by Eagle National Bank and is in jeopardy of being distributed to another party which is not right or fair at all. 
",,Consent provided,Web,2015-08-19,Closed with explanation,Yes,No,CR1525671,3027
2015-08-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XXXX XXXX, 2015, I noticed a fraudulent charge from XXXX XXXX in the amount of {$94.00} on my checking account with Eagle National Bank. I went in to my local banking center and talked to a private banker. He assisted me to cancel my debit card, in addition to filing a claim and told me that the next day the funds should be returned to my account. The funds were credited back to my account the next day as I was told by the private banker in the location. All was corrected and no harm was done ... so it seemed. 

Then on XXXX XXXX, 2015, I noticed another charge on my account for the same amount of {$94.00}. I called customer service and they told me that the claim had been denied and claimed that they could not tell me anything more. I was then transferred to the fraud department after being put on hold. Finally the representative from the fraud department informed me that the claim had been denied and that the fraudulent charge had not even been posted to my account. They had deleted the entire transaction and any records of it from my account. And they would not assist me in informing me as to why the whole charge and records had been wiped. 

Next I was told that I would have to go through XXXX XXXX in order to get my money back. I called the customer service there after doing a quick search on XXXX to obtain it and they told me that they could not find the order that was fraudulently placed on my card when they searched for it using my name and zip code. I was then transferred to their corporate offices. I spoke to XXXX there and he told me that he would need my card number in order to search for the order. 

I had to call the bank again to obtain the card number. Then I called customer care back at XXXX XXXX and the representative refused to transfer me back to corporate. They told me that they could not locate any trace of an order ever being placed with my card. 
",,Consent provided,Web,2015-08-19,Closed with explanation,Yes,No,CR1526665,6827
2015-08-19,Bank account or service,Checking account,"Account opening, closing, or management",,"Please see attached for entire narrative. 
I wrote a letter to the COO of the Bank but have learned that he is also acting CFO. I do n't think that I will receive a satisfactory response in a timely manner. My complaint can be published - I can rewrite this portion if requested. 
",Older American,Consent provided,Web,2015-08-19,Closed with monetary relief,Yes,Yes,CR1525911,2517
2015-08-19,Bank account or service,Checking account,"Account opening, closing, or management",,"This is a formal notice of dispute regarding information that Eagle National Bank sent to XXXX, a consumer reporting agency. 

The following false information was sent to XXXX : XXXX XXXX, 2014 Suspected Fraud ActivityThis information was disputed with XXXX on XXXX of 2014 ; however, Eagle National Bank verified the information as accurate. This falsely reported information damages my financial reputation and should be removed immediately. 
Eagle National Bank report account suspected fraud when in fact, no fraud took place. There was no illegal activity on the account. 

Eagle National Bank did not experience any financial loss and no money is owed on this account. There was no violation of the account agreement that governed the account. 

Under my rights under the Fair and Accurate Credit Transactions Act, I am asking for an investigation of this reported information, and removal of the false information reported to XXXX. 
",,Consent provided,Web,2015-08-19,Closed with explanation,Yes,No,CR1525634,2495
2015-08-19,Credit card,,Billing disputes,,"I mistakenly underpaid my XXXX credit card balance to Eagle National Bankn by {$10.00}. The amount due was {$730.00} and I paid {$720.00}. As a result, interest was charged to my account the following month. However, that particular month I had an unusually high bill because I had gone on vacation : total new charges were {$5300.00}. Nevertheless, the bank charged me interest on that amount in addition to the unpaid {$10.00} balance. This was keeping in line with their policy of charging interest on newly accrued charges if the previous month 's balance was not paid off in full. As a result, {$39.00} in interest was charged to my account. I did not notice the charge until the following month. Even though I paid the {$5300.00}, the following month I was charged {$44.00} in interest because of the {$10.00} balance which I had not noticed. After calling the bank to explain the situation, they agreed to refund the second interest charge "" as a courtesy '' but not the first. I do question the ethics of having a rule that allows interest to be charged on newly accrued balances regardless of the past amount due. I have a history of always paying off my credit card balances in full and have always been a good customer. This however, did not sway the bank whose customer service representative stated to me that she thought their offer was "" more than fair. '' I disagree. To have to pay {$39.00} in interest on an unpaid {$10.00} balance when I have been an outstanding customer for many years seems unreasonable and I would like this amount refunded. 
",,Consent provided,Web,2015-08-19,Closed with monetary relief,Yes,No,CR1526405,1160
2015-08-19,Credit card,,Billing disputes,,"I was given incorrect information about payment allocation by several representatives. I have a credit card with Eagle National Bank I was told that payments would go to the promotional rate ending the soonest. The way their statements are set up do not allow to see where payments are allocated. I made a {$1500.00} payment based on that information. I was not until the promotional rate ended that I saw that all my payments were applied to a different balance. I called to dispute this and was again given incorrect information I asked for an explanations on why then I was being charged interest and upon further research that information was incorrect. That all my payments were put on the promo rate ending later because it was a cash advance. I asked again why after several calls I was not told this and I was told it was a mistake. The rep told me to go to the nearest branch and talk to a manager and they would be able to help. Talked to her and she told me to wait for her to do research. Waited for XXXX weeks she called me back and said that they were aware they made a mistake and would refund me the interest and allocate the right amounts. This did not happen when calling I was told it was a XXXX time credit and I was responsible for the remaining balance on the nearest ending promo rate. That they would not allocate my payment to this balance regardless of any previous information I was given. I do n't really know what else to do since I would have never ever made a payment that big if I knew it would not be allocated to the balance ending the soonest. The way the statement is set up I had absolutely no clue where my payments where going. I feel completely ripped off and feel cheated. I ca n't believe that so many people would give me incorrect information and find their statements be so misleading. The gave me not any other really recourses. I 'm not asking for a refund just for them to do what I was told would happen on several calls and by a branch manager. I believe that any information given to a consumer should be accurate since its money that we are talking about. I have held my end by always making my payments on time and calling to inquire when I have a question. Their only responsibility to provide accurate information. 
",,Consent provided,Web,2015-08-19,Closed with monetary relief,Yes,No,CR1525692,1577
2015-08-19,Credit card,,Payoff process,,"I went to the Eagle National Bank ( EN ) branch XXXX XXXX XXXX, NY on Friday XXXX XXXX, 2015 to pay my credit card bill in person with the payment coupon provided by EN for a bill due Tuesday XXXX XXXX, 2015. The teller misapplied my payment to another account. I called EN to fix the error on Monday XXXX XXXX, 2015 and I was told by the EN representative that EN would charge me interest for 7-10 business days after which time they would retract the interest from my next bill and apply my payment. 

I pay my bill in full every month and have had this card for 25 years. My payments that day ( I made XXXX cash payments to the same account ), if properly applied, would be for the full billing amount - no interest would be paid to EN. I am unhappy that EN misapplied my payment even though my payment coupon was printed for the proper account and that they are charging my account interest that they otherwise would not be able to ( by misapplying my payment to another account they prevented me from paying off said account in full ). Their solution to allow the interest to accrue and then take it off my next statement is unacceptable. By delaying the transfer of my payment to the proper account for 7-10 business days they hurt my credit and fraudulently charge me interest that they are not entitled to. 

When I asked the representative for a reference number for this transaction ( moving the payment to the proper account ) I was informed that EN offers no such reference. I asked her for her name so I could have some verification that I discovered and reported to EN the error in applying my payment and she would only give her initials. By refusing to provide me with verification for my request to fix EN 's error, and only providing me with the initials of the representative after I pressed her for some type of verification, EN gives the appearance of trying to set up the customer to suffer further errors ( EN can always say they never got my call to fix their error, for instance ) in order to charge consumers more interest fraudulently. Applying my payment to the proper account should be made the same day I reported the error, especially as I found and reported the error in advance of the the bill 's due date. 
",,Consent provided,Web,2015-08-19,Closed with explanation,Yes,Yes,CR1527619,2740
2015-08-19,Credit card,,Other,,"Several years ago my wife a XXXX lost her job, which caused severe financial difficulties for the family. With her job loss, I had to take over all financial responsibilities as a XXXX XXXX. With her job loss I was unable to continue payments with Eagle National Bank, XXXX XXXX, and XXXX, and still make the mortgage payment on our house. At the time of her job loss we had excellent credit history. I contacted all the credit cards asking them to work with us until my wife found a new job, and that I would continue to make payments, although they were below the minimum amount. None of these creditors were willing to work with us, and at that time I had to make the decision whether to keep our home or pay the credit card companies. Since that time all have taken us to court, bullied us, and even went so far to contact my employer to have my wages deducted form my pay. At this time they have destroyed our credit history, and at this time no one is willing to work with us for loans. I explained to each creditor what happened, and was willing to work with them until my wife became employed again. Not XXXX was willing to take the time to even talk with me. As of now all credit card companies hired attorneys, and we have paid thousands of dollars to them. Recently, as the balances became close to settlement they stopped taking money each month saying that their law firm was done, but another would be contacting us, this is with XXXX XXXX and XXXX XXXX. The Eagle National Bank has continued, using tactics that I believe is hostile. Much of the amount was paid prior to this, but their interest and payments still baffle me. I am asking for intervention, as I believe their advertising to their customers was deceptive, they would not work with their customers in financial trouble, and made no attempt to contact us prior to starting legal action with a law firm. I am asking that they help us rebuild our credit rating and history as they have destroyed it not willing to work with me when I spoke to them regarding our financial difficulties when my wife lost her job. The attorneys now representing Eagle National Bank are : XXXX XXXX XXXX. 
XXXX XXXX XXXX, Utah XXXX XXXX 
",,Consent provided,Web,2015-08-19,Closed with explanation,Yes,No,CR1526738,4717
2015-08-19,Credit card,,Customer service / Customer relations,,"Years ago I used my Eagle National Bank card to keep my XXXX year old mother in a nursing home. The balance soon grew very large. After she passed away I began to repay BofA a larger monthly payment. I did pay monthly {$500.00} a month and XXXX or XXXX times I payed BofA {$1000.00} a month as they requested, to get the balance down. This was very difficult, so I reached an agreement with them to pay $ XXXX monthly I did this automatic payment for about two years. 
About 6 or 9 months ago I noticed the {$200.00} was not being taken from my checking acct. I called BofA and was told my acct. was written off and it was sent to collections. I told them I would have happily continued sending them {$200.00}. They did not contact me in anyway that to say the payments were schedule to stop. I asked what could I do. They said "" nothing, once its gone to collections, there is nothing you can do ''. I asked for the address to begin paying again to a collection agency. Of course this places a negative credit mark for many years on my credit history. It seems so wrong the way they managed my acct. and placed my acct to collections without a tele. call, nor an email, or a letter to give me a chance to continue making payments. This lack of common courtesy to me by sending my acct to collections was wrong, and costs me a lot in higher interest rates throughout my life. I am XXXX years old and do not have a lot of years to wait 7 years for them to remove the "" Sent to collections ''. 
",Older American,Consent provided,Web,2015-08-19,Closed with explanation,Yes,No,CR1526452,12325
2015-08-19,Bank account or service,Checking account,Using a debit or ATM card,,"I open a student checking account for my son XXXX XXXX at a Eagle National Bank in XXXX, XXXX XXXX so he could have money for a vacation he was taking XX/XX/XXXX to XXXX. When my son went to use the debit card, he had no money on the card. XXXX days later someone cashed a check in XXXX on XXXX at a Eagle National Bank for {$600.00} with the same last name ; but the check bounced so they took the money from my son 's account. I have been trying for the last 3 weeks to get his money refunded back to him and every time I go the XXXX Branch or call the XXXX number they keep giving my son and I the run around. This is clearly a mistake that they made, but they keep saying they are still investigating. My son is only XXXX years of age so there would be no reason why he would be in XXXX and even so he was in XXXX at the time the check was cashed. My son had to end his vacation early because he had no money to spend. I worked for the police department in XXXX so I filed a fraud complaint with the police department and a policeman went to the XXXX Branch to find out why they had n't refunded the money while they was doing the investigation and they said they were still investigating. He told the bank that did n't make sense because it clearly shows that the my son was using his debit account in XXXX when the {$600.00} transaction when through. The policeman told me that the reason why they are having a hard time finding a person on the cameras is because the check was probably cashed from someone inside the bank. 
",,Consent provided,Web,2015-08-19,Closed with monetary relief,Yes,No,CR1527615,928
2015-08-19,Credit card,,Billing statement,,"On XXXX/XXXX/2015 I was contacted by XXXX XXXX at XXXX XXXX that my Target Credit Card ispast due. I informed her that I had n't been receiving statements from target since XXXX. At that time, I had a death in the family, and was n't really thinking about it. A couple of months go by and I never had the opportunity to address the issue. I was also never contact by anyone at Target during this time either. 

So I asked XXXX, if she could reprint the last few statements, so I could review them, and remit payment. She informed me that she could n't do that. She also told me that a statement was mailed on XXXX, which at the time of this writing I never received. I asked her if it were possible that I was signed up for electronic statements. She said no. I told her that I was n't comfortable making a payment until I saw a statement. 

I decide to call up Target to see if they could help. I asked the agent If I was on electronic statements, she said yes, I said where are they going, she said I would have to log on to get that information, I said I 'm not even sure I have a log-in id. I said is it possible to have the last couple of statements printed out ; she said she would have to transfer me. I waited close to XXXX minutes, and had to hang up. I called a second time a few hours later, and I was waiting another XXXX minutes to speak to someone, which I had to get off the phone. 

Until I receive my statements, I 'm not comfortable making a payment. 
",,Consent provided,Web,2015-08-19,Closed with non-monetary relief,Yes,Yes,CR1527383,1275
2015-08-19,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2015-08-30,Closed with explanation,Yes,No,CR1527247,2167
2015-08-19,Credit card,,Billing statement,,,,Consent not provided,Web,2015-08-19,Closed with explanation,Yes,No,CR1526344,3254
2015-08-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-19,Closed with explanation,Yes,Yes,CR1526940,4650
2015-08-18,Bank account or service,Checking account,Problems caused by my funds being low,,"1. on XX/XX/2015 EN charged me {$35.00} twice on a single {$12.00} order of checks! EN must have waited until my bank account was low enough to charge XXXX dollars! 
2. On three separate occasions, EN charged me {$35.00} twice for ONE transaction when paying my mortgage over the phone. being a couple of hundred dollars short of a {$1200.00} mort. payment plus the {$19.00} service fee,, EN could have charged me for only the greater amount instead of both, totaling {$70.00} dollars for one transaction! 
XXXX. In the last three months, EN collected over four hundred dollars in service fees! 
XXXX. The D.O.T. has taken their payments three times, without my consent bouncing, costing me XXXX dollars. I owe it so I ca n't say anything. Just another reason why I 'm low on funds. 
XXXX. I believe EN computers are programed to their best interest, always greater in their best interest and not the consumer. 
I ASK the CFPB assist me in returning funds in the amount of {$140.00} from EN for they have taken $ {$400.00} dollars knowing I receive around $ {$1000.00} electronicly in my checking account every week!! 
",Older American,Consent provided,Web,2015-08-19,Closed with monetary relief,Yes,No,CR1523380,2778
2015-08-18,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank Missouri reported "" suspected Fraud '' to my XXXX profile due to XXXX payroll checks having been returned NSF. I disputed the report with XXXX and they are now reporting the information has been verified using information obtained from Eagle National Bank which is not justified and defamatory. 
",,Consent provided,Web,2015-08-19,Closed with non-monetary relief,Yes,No,CR1523784,4398
2015-08-18,Bank account or service,Checking account,Problems caused by my funds being low,,"I had a dispute with Eagle National Bank in 2012 for charges that were not valid. i later closed the account. when i checked with XXXX XXXX ( TRYING TO OPEN A CREDIT UNION ACCOUNT ) i was told that i owe XXXX to Eagle National Bank. i called and spoke with their recovery department to resolve the balance. i was told that XXXX of the XXXX is a result of over draft fees and only XXXX is the true owed balance. This was the disputed charges from 2012. i have moved and i have not received anything from Eagle National Bank for these charges. i will pay what i owe but i was unemployed for an extended time i cant pay XXXX in fees that should not have been added in the first place 
",,Consent provided,Web,2015-08-18,Closed with explanation,Yes,Yes,CR1524276,2393
2015-08-18,Bank account or service,Checking account,Deposits and withdrawals,,"I made a purchase on XXXX/XXXX/15 that was cleared on XXXX/XXXX/15. The bank reconciled my account one week later for a purchase that has already cleared and in the process, funds from my account in the amount {$2.00} are missing and subsequently caused my account to overdraft XXXX. When I saw the mistake that had taken place I called the company to request an investigation into my account to inquire why my purchases were reconciled after they had cleared an spoke with XXXX who informed me, before she even understood my complaint, that there is n't anything she could do to assist me. I then requested a supervisor and spoke with XXXX, employee ID # XXXX, from a New York call center. She informed me that she could not help me and there was not a department that she could transfer me to that could assist me as well. She informed me that she was a manager and there was not someone over her that I would be able to speak with. She told me that none of her managers spoke with clients. This ordeal is causing me a great deal of stress as I have recently lost my job and can not afford fees that I did not inquire. The supervisor insisted on telling me what she was seeing although I informed her that the information in the system is incorrect. Online banking is the only tool EN clients have to keep up with their funds and with your supervisors telling us that the system is constantly incorrect and that we should not be using it as a way to keep track of our funds is unacceptable. I called XXXX and the call lasted XXXX minutes. 
",,Consent provided,Web,2015-08-18,Closed with explanation,Yes,No,CR1523650,1952
2015-08-18,Bank account or service,Checking account,"Account opening, closing, or management",,"The Eagle National Bank will not allow my daughter to be a co-trustee on a checking account. 
",Older American,Consent provided,Web,2015-08-18,Closed with explanation,Yes,Yes,CR1523951,1219
2015-08-18,Credit card,,Closing/Cancelling account,,"I am a member of Alaska airline 's mileage plan member and I had the Bank of XXXX credit cards. Recently XXXX audited my mileage plan account, restricted access to my account & threatens to cancel my existing flight reservation if I do n't pay in cash for the flight I already booked with my miles. I had miles in my account for over XXXX years but XXXX audited my account only after I booked flight using my miles that I earned. 
XXXX says the reason for their action is because I violated the XXXX airline card terms and conditions and for not paying the card 's annual fee and for closing the credit card. 

First, I have never violated the credit card or the XXXX mileage plan terms. 

I applied for XXXX XXXX cards in XX/XX/XXXX and kept XXXX for almost XXXX yrs and I converted the other XXXX to a different EN credit card as allowed by card terms and conditions. I opened XXXX XXXX cards in XX/XX/XXXX & closed them almost XXXX months later. Eagle National Bank credit card agent waived the annual fees on these XXXX cards and I closed them almost XXXX days later. All credit card issuers allow you to cancel a card and not have to pay annual fee if closed within XXXX days. 
I have not violated any of the credit card terms and conditions. 
I saw an ad for the Eagle National Bank credit card. I signed up for the credit card relying on the ad. I was approved for the credit card. I was awarded miles for signing up for that credit card & for using the cards. I thereafter closed XXXX of them consistent with the XXXX of those cards. After earning the miles from an agreement with EN, an agreement by which I abided, XXXX decided to revoke, rescind, and remove miles I earned vis-a-vis an agreement which I did not breach, yet XXXX appears to be saying I did. I did not violate any agreement with XXXX. In fact no where in the credit card agreement and terms says my miles will be removed or my flights booked with the miles will be canceled if I close the card. I did n't sell my miles to others and I did n't book awards for others. XXXX argument is based on "" they 're our miles, we can do what we want, whenever we want, to whomever we want, for no reason whatsoever, even if the member abided by the terms of the agreement. 

I 
",,Consent provided,Web,2015-08-27,Closed with explanation,Yes,Yes,CR1525100,2099
2015-08-18,Credit card,,Closing/Cancelling account,,"I was a Eagle National Bank credit card holder for about XXXX years ; after XXXX years of paying my monthly payments on time ( sometimes few days late ), on XXXX XXXX, 2015 I paid my balance in full. On XXXX XXXX, 2015, Eagle National Bank sent me a letter announcing that Eagle National Bank Card Services has closed my account due to my FICO score!! Clearly Eagle National Bank was not concerned about my FICO score when they were extracting high interest from me every month ; however, as soon as I paid the balance in full my FICO score became an issue. Needless to say my credit score has been adversely effected by this action. Is this legal? Is this fair? 
",,Consent provided,Web,2015-08-18,Closed with non-monetary relief,Yes,No,CR1523519,3923
2015-08-18,Credit card,,Identity theft / Fraud / Embezzlement,,"My credit cards with Eagle National Bank have repeatedly been cancelled because EN "" was recently notified that information from some credit cards may have been compromised at an undisclosed merchant or service provider. '' EN has refused my requests to identify the merchant or provider so I can stop doing business with those who do not adequately guard credit card information. EN reissues me a new card with a new number and indicates I 'm not liable for any fraudulent use of the canceled card. Nevertheless, it 's a nuisance and has happened XXXX in just the last five months. As a consumer, I 'm being denied information that would allow me to choose not to do business with merchants and providers who fail to take adequate measures to protect my information. 
",,Consent provided,Web,2015-08-18,Closed with explanation,Yes,No,CR1524018,2937
2015-08-18,Credit card,,Billing disputes,,"used Eagle National Bank to pay dentist bill, however, dentist overcharged per the contract with dental insurance and Eagle National Bank would not help -- -they helped dentist commit fraud. Then, after many unsuccessful and aggravating phone calls with Eagle National Bank, they actually had a collection agency call me BEFORE the payment was even due. There was NEVER anything past due on my account. I had already closed my credit card account and I still get solicitations to borrow money. Thank goodness I had no other dealings with Eagle National Bank other than a credit card. I am disgusted both by the dentist that did this, never responded to my direct contact and even more disgusted with Eagle National Bank 's handling -- or should I say mis-handling of the whole thing. Good riddance to them. 
",Older American,Consent provided,Web,2015-08-18,Closed with explanation,Yes,Yes,CR1523649,8568
2015-08-18,Credit card,,Other,,"XXXX Eagle National Bank accounts over 10 years old. 
Ending in XXXX settled years agoEnding in XXXX settled years agoEnding in XXXX settled years agoI was told upon settlement years ago Eagle National Bank would not report any Derogatory information to the Credit Bureau and they still are beyond statue of limitations. 
","Older American, Servicemember",Consent provided,Web,2015-08-18,Closed with explanation,Yes,No,CR1525145,174
2015-08-18,Bank account or service,Checking account,Problems caused by my funds being low,,"I am so frustrated right now. I only get paid XXXX and believe me, it 's not a lot. On my XXXX check I made a payment for my nephew thinking that I was okay. I forgot that I had sent out some packages through XXXX. Well I ended up going overdrawn, not by a lot. Well XXXX tried to do these small charges ( {$2.00} - {$3.00} ) several times and I did n't have enough in my account. Well they were trying every couple of days and the bank was charging me {$35.00} for every XXXX. When I checked my balance Saturday it was {$1200.00} overdrawn, I was flabbergasted. So I added up the charges and it came to {$1200.00}, so that means that I was {$8.00} overdrawn. I 've been on the phone so many times and after talking to several different people they credited me {$250.00} so they could get it under {$1000.00}. I understand that I was overdrawn and should be penalized but the charges seem a little absurd. I do n't know if you can do anything for me, but I am on Social Security and I really ca n't afford it. Thank you for your time. 


Sent from XXXX XXXX XXXX XXXX 
",,Consent provided,Web,2015-08-18,Closed with explanation,Yes,No,CR1524092,2659
2015-08-18,Bank account or service,Checking account,Problems caused by my funds being low,,"I thought under Dodd-Frank that banks had to process transactions in favor of the consumer, so deposits would be processed first then by checks and debit card transactions. I made a cash deposit on the day pending transactions were to be processed which would have overdrawn my account ; I opted out of overdraft protection. My bank, Eagle National Bank, charged me a {$35.00} overdraft fee. Without that my account would not be overdrawn. Can they do that? 
",,Consent provided,Web,2015-08-18,Closed with monetary relief,Yes,No,CR1523962,531
2015-08-18,Credit card,,Arbitration,,"I took a store card and placed household and food debt on it expecting to pay when I got my job in a new state, never expecting to encounter age discrimination in that city/ state. ( Yes, I did submit XXXX complaints to the EEOC about these XXXX discriminating companies, and they seem to be following a recent business trend to only hire millenials vs. people in their XXXX+ years of age. I did a bit of research on the topic and found XXXX circulating some hiring practices indicating this concept. The ads from those XXXX companies, I found later indicated XXXX on the online job site, which showed me why I kept being ignored and rejected each time I applied each time they requested to hire at the store. ) So I fell a bit behind on my cards, this XXXX I am writing about =Target and another XXXX that I am actually paying monthly because I still have access to my online account. 
But the Target one has been quite difficult to pay. I used to have access to my account online but when I fell behind, it was closed to me. I no longer had access to pay this card XXXX from my home. I was forced to go to the store in person. I wrote several Emails to the CEO himself telling him that not having access to the online payment option was making it hard for me to pay my card off. ( and easier for me to get charged late fees, etc ... ) When I had access to a car, I managed to go to the store to pay. I had placed my cards in the closet because I was not using them anymore- so I had to have my card or statement with me to pay at the customer services. So I would go back home and get this information, more delays. Not having access always to a vehicle, I wrote many times indicating to the store executives that I wanted access to my online account. I found later that I could call in the payment without charge, so I did. After having had success to pay the store on the phone and at the store with the card/ statement, things got hard once more. At the store, my debit card is no longer a card that I can use, they told me, because of their "" new system ''. (??? ) So now I have to go and get cash to pay. And on the phone, I have been told that their "" system '' is down, when on the phone with them. : \I made sure and wrote the CEO each time I found obstacles towards making an earnest payment to my account to let him know about the issues I was having. 
These obstacles have made paying this card no short of a career- when I am trying hard to find employment. It should not be harder to pay my debt than it is to buy something at the store. 
I got fed up with the store policy when I called them to indicate that I am earnest in trying to pay my bill, but continue to find obstacles. At that last phone call, they tried to get me to settle on an amount if I could pay XXXX times what I had been paying, for me it is what I can afford given my circumstance at present. 
I told them I would try and made a payment of the amount I was accustomed in this circumstance. The next thing I knew I received a slip in the mail indicating that a collection agency was now in charge when I was making payments monthly. 
( except for those months when it was hard for me to make XXXX due to their end ) This is what I wanted to write to you about. Had my online access to my original account remained available for me to make payments then I would be paying and reducing my amount of debt as I am on my other card. : \ 
",,Consent provided,Web,2015-08-18,Closed with explanation,Yes,Yes,CR1523559,1892
2015-08-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-18,Closed with explanation,Yes,No,CR1525200,1239
2015-08-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-08-18,Closed with monetary relief,Yes,No,CR1523837,2924
2015-08-18,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-19,Closed with explanation,Yes,No,CR1523480,7724
2015-08-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-08-18,Closed with explanation,Yes,No,CR1523524,1409
2015-08-17,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,"I received a check from a business doing their banking with Bank ofAmerica. This bank charged XXXX ( XXXX ) dollars to cash a check written forpayment at their bank. This is common practice in XXXX XXXX, Nevada. 
",,Consent provided,Web,2015-08-17,Closed with explanation,Yes,No,CR1521985,844
2015-08-17,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"On XXXX XXXX, 2015, I made a "" Bill Pay '' payment to my Insurance company for XXXX ( XXXX ) policies, which Eagle National Bank would not pay on the same date, and which EN confirmed to me would be DELIVERED on XXXX XXXX and XXXX XXXX respectively. I accepted this arrangement even though this same situation happened six months earlier as well. The XXXX policy was indeed DELIVERED Electronically on XXXX XXXX to the Insurance company. Today, I called EN as there was no indication that the XXXX policy was paid and was told that on XXXX XXXX a paper check was sent to the insurance company but it had not cleared and my account had not been debited. I firmly suspect that the EN had sent a "" paper check '' by postal mail, knowing full well that it would take several days to reach the insurance company, and in that time frame, the monies in my account were "" floating '' for the express usage of EN, thereby not out of the EN system. I believe this is disgraceful and probably illegal, since an electronic transfer on XXXX XXXX ( as promised ) would have debited my account and funds would not be able to be used by EN as it would be out of their system. Multiply this procedure taken by EN by the XXXX of depositer 's at that bank and the interest gained by EN is in the XXXX geared to their bottom line. I would not be making thjis complaint save for the fact that these Bill Pays were for Insurance Policies, which if not paid on time would be subject to cancellation of the insurance policies. The CFPB should require ALL Banks that provide "" Bill Pay '' services to abide and live up to their promises especially when I have the EN CONFIRMATION indicating DELIVERY by the respective dates, not SENDING but DELIVERY. Thank you. 
",,Consent provided,Web,2015-08-17,Closed with explanation,Yes,No,CR1522920,11701
2015-08-17,Bank account or service,Checking account,"Account opening, closing, or management",,"XXXX XXXX, 2015 my mother passed away. She and I both had several account together at Eagle National Bank. Because of my mother 's declining condition, on XXXX XXXX, 2015 I made a transfer into her account in the amount of {$10000.00} to pay for the upcoming funeral services. Prior to me notifying the bank of her death, the bank froze her accounts XXXX XXXX, 2015 without notification. When I went to write a check for the funeral home services the account was blocked. I have sent in numerous documents to the bank to close the account, however they have sent me numerous requests for duplicate items including the XXXX which I completed XXXX times with their Bank Rep. XXXX XXXX, in the XXXX, NJ branch. I received letters from Eagle National Bank requesting letters of Testamentary which I submitted XXXX times. I submitted a copy of the my mother 's will after they threatened to not close the account and after my attorney advised me against submitting a copy of the will. I have called the Estate Department ( XXXX ) and spoken to over XXXX people, I have their names and date and time I spoke with each person. Each person claims to be either the Supervisor or give me a fake number or name to a supervisor. No one knows the actual status of the account. Several have told me everything was received and a check would be mailed. Then a few days later I receive another letter requesting duplicate information. Please help! I need to finish paying my mother 's past bills and Eagle National Bank has been a nightmare. 
","Older American, Servicemember",Consent provided,Web,2015-08-17,Closed with monetary relief,Yes,No,CR1521579,4785
2015-08-17,Credit card,,Advertising and marketing,,"Eagle National Bank intentionally trapped me as a consumer into a high interest rate poor credit card package by forcing me to sign up with a "" pre-paid '' credit card first. I was told because i was young and had little credit history, that they prefer i do a prepaid card. Eagle National Bank uses this practice to Trap younger generations and making it difficult and impossible for them to obtain Fair credit card deals and packages once they have proved their credit worthiness after paying their bills responsibly. Instead, EN transfers their credit account directly to an interest charging credit card service with an APR exceeding 20 % + charging me annual fees when i generally would not be. I was robbed of the opportunity to have a better credit card service through Eagle National Bank, as it already deceptivley trapped me in the prepaid credit card service. Just a couple months after being told i should start with EN prepaid credit card, i was approved for XXXX XXXX Credit card, which is XXXX of their premium credit card services. I believe Eagle National Bank is intentionally trapping younger generations into deceptive credit card agreements, manipulating consumers into being trapped into accounts robbing them of credit opportunities and competitive deals. Even though i have always paid my bill, ever since my trial period was over with EN, i have been rejected of new Eagle National Bank offers that would grant me the Usual 0 % apr for 15 months plus other card benefits. I believe Eagle National Bank is participating in anti competitive practices, consumer fraud, deceptive consumer practices, among other violations against me as a consumer. 
",,Consent provided,Web,2015-08-17,Closed with explanation,Yes,Yes,CR1521086,9546
2015-08-17,Credit card,,Payoff process,,"I just received a new XXXX credit card from Eagle National Bank. You can see all your credit card information on Eagle National Bank 's normal website, which is the same site that contains all of my Eagle National Bank bank account information. So far, so good. I can do anything, including one time payments to my XXXX credit card on the website. Except for one thing : I ca n't set up autopay through the site. I called the number on the back of my credit card and the representative said that the website is n't designed in any easy way to allow this. Indeed, the best way was to go to another website, which no one would know about without calling them and waiting. This worked, but I have never seen anyone issuing a credit card so clearly and purposely make it so difficult to set up autopay. I suspect the reason this is being done is so that fewer people will set up autopay and therefore they will be much more likely to end up paying interest fees. This just seems wrong to me. 
",,Consent provided,Web,2015-08-17,Closed with explanation,Yes,No,CR1521262,107
2015-08-17,Credit card,,Other,,"I was sent a promotion of a credit card, "" prepared for '' me. I applied forthe "" XXXX '' credit card, after which I wassent a letter that said I had too high of credit balances. Yes, I had XXXXcredit cards, XXXX with a balance of {$17000.00} and XXXX with a balance of {$18000.00} because those cards gave me an extended promotionalperiod with XXXX interest. I have XXXX times as much money in mysavings account as my credit card balances and I always pay mycards entire balance off each month ( unless they give me a promoat zero % interest, in which case I always pay the minimum paymentas they require. Upon receipt of the refusal notice, I called all mycredit cards and either cancelled them or reduced the credit limit totheir minimum, and paid all of them off except for the one with abalance of {$18000.00}. The reason I am writing you, within a weekor two of my refusal, I receive the same promotion for the samecredit card, for which I applied again, thinking I have cleaned upmy unused credit cards and I have reduced the credit limits for thoseI kept, except for the XXXX mentioned. However, just today I receivedanother refusal letter, stating there were "" too many inquiries on mycredit file and you have sufficient utilization of your credit ''. Yes, I hadtoo many inquiries I suspect because every time they change a creditlimit, even if I requested it be reduced, there was an inquiry. I suspectevery time I cancelled a card, it was recorded on my credit file. Now, being given a reason that "" you have sufficient utilization of your credit '' means what - darned if I know. Yes, if they give me 0 % interest, I amgoing to utilize that credit as long as they let me! The real irony is thatmy husband and I have over XXXX XXXX in assets and over XXXX XXXX inliquid assets which we can use to pay off that {$18000.00} as soon as the0 % promotional period ends. We were able to save those assets bybeing "" cheap '', such as using 0 % promotional offers. Granted, Bank ofAmerica does n't make as much money off of me as those that run abalance and pay what I think is excessive credit card interest. 
However, do n't send me repeated promotions once they haveturned me down. Also, I do n't think it is right to refuse an applicantonce they determine that I do n't pay credit card companies or banksthat offer them interest. If they are going to send me letter after letterafter letter telling me why I should apply for a credit card, but onlyapprove me if they think I will run up a balance, get in over my headand make them more money, that just is n't right!! Yes, I know thecredit reporting companies are not perfect, but the credit report andsystem is tilted towards banks so they can charge interest and makemoney. I paid off my mortgage as quickly as possible and flat out don'tpay interest. If they are going to penalize me because I have $ XXXXXXXXon a credit card that offered me that 0 % promotion when I have XXXXthat in savings that just is n't right, even if they do n't make as muchmoney off of me as they think they should. 
",Older American,Consent provided,Web,2015-08-17,Closed with non-monetary relief,Yes,No,CR1522797,3799
2015-08-17,Bank account or service,Checking account,Deposits and withdrawals,,"I am filing a formal complaint about missing funds from my Eagle National Bank Account. Eagle National Bank did not post {$2000.00} from a federal refund to my checking account. However, they did post {$40.00} from a NYS tax refund. Instead of posting a refund, my account is missing funds. This is a clear violation of the Fair Billing Credit Act as well as other ethical business practices. For unknown, as well as unclear reasons, the XXXX Branch of Eagle National Bank, located at XXXX XXXX XXXX, XXXX, NY XXXX, tampered with my account yet again in direct violation of corporate policy and US laws. It gave out my information out to third parties electronically in direct violation of company policies. Additionally, I am concerned with tampering of my checking account and savings account. Eagle National Bank also does not provide regular statements for Savings accounts. It only provides periodic documentation. It also does not take proper steps to investigate proper complaints from customers. 
",,Consent provided,Web,2015-08-18,Closed with explanation,Yes,Yes,CR1521154,2493
2015-08-17,Credit card,,Credit line increase/decrease,,"I 'm being reported for having a credit card with target. My wife has the card and we are separated. I do n't use the card because I live in XXXX Georgia and she lives in XXXX Georgia. I do n't have a target card and every time i check my credit report, because she 's use the card it 's damaging my credit. I would like it removed please 
",,Consent provided,Web,2015-08-17,Closed with non-monetary relief,Yes,No,CR1522631,1201
2015-08-17,Credit card,,Credit card protection / Debt protection,,,"Older American, Servicemember",Consent not provided,Web,2015-08-17,Closed with explanation,Yes,No,CR1521607,1592
2015-08-17,Credit card,,Billing statement,,,,Consent not provided,Web,2015-08-17,Closed with monetary relief,Yes,No,CR1522845,3054
2015-08-17,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2015-08-17,Closed with monetary relief,Yes,No,CR1522086,1423
2015-08-16,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,"HELLO I WENT TO CASH A CHECK AT Eagle National Bank THAT I HAD FROM A PAYDAY LOAN COMPANY AND Eagle National Bank CHARGED ME {$XXXX.00} XXXX DOLLARS TO CASH THE CHECK. THE ACCOUNT WAS DRAWN ON THE BANK THE BANNK IS NOT AN INDEPENDENT THIRD PARTY THEREFORE IT SHOULD NOT HAVE CHARGED $ XXXXTO CASH THE CHECK. I DID NOT HAVE AN ACCOUNT THERE. 
",,Consent provided,Web,2015-08-16,Closed with explanation,Yes,No,CR1520768,1765
2015-08-16,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-08-16,Closed with explanation,Yes,No,CR1521023,6272
2015-08-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-16,Closed with non-monetary relief,Yes,No,CR1520796,2125
2015-08-15,Credit card,,Credit line increase/decrease,,"EMAIL and then my response : Eagle National Bank XXXXXXXXXXXX ; Re : Your Card Has Been LimitedYour bank appears to be the most inept I have ever encountered! I 'm not downloading anything you send. I have been at this address and had the same phone number for well over XXXX years. XXXX XXXX XXXX got rid of you for handling all of their clients, including me, so poorly. And when my husband died over XXXX years ago, several different bank, including yours, bought the XXXX mortgage he 'd had, and your bank caused me way too many aggravating problems. Now you are attacking my credit card limits ( again!!! ), after already removing my {$70000.00} credit limit that I 'd carefully earned on my XXXX XXXX card [ you cut me back to {$25000.00} ] to help you scam the Feds by creative number management. You built the huge crash on my back, and turned me from middle class to the working poor, and on XXXX. I hope the Feds close you down, and split up your huge feeding monster that helped to destroy my financial security and my health. Your top people need to be incited and ideally lose their ill-gained assets, and jailed in an awful prison, not a federal vacation complex. You can take pride in receiving one XXXX rants I 've ever delivered to the parties who 've wronged me in almost XXXX years of my adult life. 

XXXXOn XXXX XXXX, 2015, at XXXX XXXX, "" Eagle National Bank '' XXXXXXXXXXXX ; wrote : Some information on your account appears to be missing or incorrect. 
We have attempted to contact you by phone to speak with you personally but have been unsuccessful. 
As a precaution we have reduced your daily purchase limit. 

At this time we require that you verify your account information. 

To do so, please download and open the document attached to this e-mail. 
Please follow the instructions from the document. 

Please verify your information promptly so that you can continue to enjoyall the benefits of your Eagle National Bank account. 

This measure is mandatory, failure to do so will continue to limit your access to Eagle National Bank. XXXX ; XXXXThis bank needs to be completely dismantled, and moneys given to those of us they have so damaged. The big shots at the top need to be equally demolished financially and prosecuted to the extremes allowed by law. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX 
",Older American,Consent provided,Web,2015-08-15,Closed with explanation,Yes,No,CR1520641,2972
2015-08-15,Credit card,,Credit card protection / Debt protection,,"I have been paying for an insurance policy with Eagle National Bank credit card in case I was hospitalized or lost my job the amount owed would be dismissed. I lost me job and unemployment was not enough to pay all of my bills including rent. I filled out all of the necessary paper work and submitted them. The policy was not honored at all. I have received threatening calls and they have called everyone that I know, church, friends, neighbors and relatives harassing them as well. 
",Servicemember,Consent provided,Web,2015-08-15,Closed with explanation,Yes,No,CR1520719,12095
2015-08-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-15,Closed with explanation,Yes,No,CR1520758,7862
2015-08-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-08-17,Closed with non-monetary relief,Yes,No,CR1520460,6196
2015-08-14,Bank account or service,Checking account,"Account opening, closing, or management",,"A clerk of Eagle National Bank named XXXX XXXX stole {$100.00} from my cash withdrawal today, Friday XXXX/XXXX/2015, at about XXXX CST. I closed my checking account number XXXX, with a cash withdrawal of {$780.00} but I only counted $ XXXX of XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX 
",,Consent provided,Web,2015-08-14,Closed with explanation,Yes,No,CR1519572,5180
2015-08-14,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"My complaint to XXXX about Eagle National Bank/MBNAas advised by XXXX XXXX XXXX and because the complaint was not undertheir jurisdiction. The XXXX actually referred the Bank OfAmerica/MBNA to my complaint which they did attended to but along the linethere was no further response from them. 

The Vice President of the Eagle National Bank/MBNA XXXX XXXX XXXX wrote inin reply and other Customer services staff requesting for proof of my accountdetails and online account setup and it was sent to them appropriately, afterwardsthere was no reply to my submissions despite several reminder emails. 

Please, help to make them respond to my emails and reminder notes 
",,Consent provided,Web,2015-08-23,Closed with explanation,Yes,No,CR1518921,13750
2015-08-14,Bank account or service,Checking account,Deposits and withdrawals,,"On XX/XX/XXXX I did a mobile deposit to mt account at Eagle National Bank. 
I deposited check XXXX from XXXX XXXX XXXX Bank for {$1800.00}. 
The check was made payable to XXXX XXXX. 
The check originator was XXXX XXXX. 
The money remained in my account for 64 days. 
On XXXX XXXX I received notice from Eagle National Bank that a debit adjustment duplicate item, reversing deposit made on XX/XX/XXXX in the amount of - $ XXXX immediately called Eagle National Bank XXXX After many weeks of phone calls and escalating to there XXXX number, I finally found out what happened. 
I place the mobile checks in my desk drawer at work, shredding them after the 14 day hold period. Someone removed the check from my desk drawer and deposited into there account on XX/XX/XXXX. 
Eagle National Bank sent me a copy of the check and it was endorsed by an individual I do not know. 
A XXXX XXXX wrote, "" pay to the order of XXXX XXXX "" on the back of the check and than signed my name next to it. 
He deposited into his Eagle National Bank account. 
In talking with many people at Eagle National Bank, they say there is nothing they can do, I did not secure the check. The check was stolen from my desk drawer. 
I have talked with the issuing bank, XXXX in XXXX XXXX and this is what they told me : The funds were deposited to my account on XXXX XXXX per the original check. The funds were in my account for 64 days and than stolen from my account. The check never hit the originators account a XXXX time. XXXX says this is for my bank tsetse with the FDIC. XXXX did report the check stolen at her end, but her bank says the funds went to the intended account. 
Now it is XXXX XXXX and XXXX XXXX is feeling pretty good, he has the funds in his account for over a month and is good to go. 
I am out {$1800.00} based on a fraudulant deposit. 
I have attached a copy of the check in question. 
Eagle National Bank needs to step up and help resolve this and stop quoting there mobile bank policy.I am out the money because I did not present the paper check and the mobile transaction got wiped out. There is a Correction of Errors to the mobile bank process that needs to be done here. 
How do I get my {$1800.00} back? 

From an article in digital transactions XX/XX/XXXX : Most banks have duplicate detections upfront on their XXXX products, '' says XXXX XXXX, executive vice president of the XXXX-based XXXX ( XXXX ), which establishes rules for check-image exchange. "" Within the bank, if you try to put in the same check twice, your bank is probably going to stop it. "" Banks that exchange check images under XXXX rules or Federal Reserve rules do make warranties to each other against duplicate payments, says XXXX. It 's important to note, she adds, that if a bank does pay on a duplicate transaction, those rules do n't govern which of the banks that sent the check image for payment must reimburse the paying bank. The rules also do n't favor the bank that has the paper check, she says. 

Does Eagle National Bank not have this set up? 
",,Consent provided,Web,2015-08-14,Closed with monetary relief,Yes,No,CR1519127,2197
2015-08-14,Credit card,,Delinquent account,,"I had a business credit card account with Eagle National Bank. The payment was late. They took money out of my personal checking account without my authorization. When I called Eagle National Bank they refused to investigate the charge. If they had a judgement I can see how taking money out of my account would be fine, but they do n't. My personal checking account is not linked to the business account ( for a reason ) and there was n't enough in the business account for them to siphen money from, so they took it out of a personal account instead. When I called to dispute the charge I was told that I 'd have to dispute it with the credit card department. If it had been any other creditor I would be allowed to dispute it with my bank for an unauthorized charge ( listed as a debit card purchase ). The representative said that the checking account was linked to the business credit card which is completely false, but still I did not authorize that charge. There is no judgement that would give them access to my account. If I were having this dispute with any other credit card company they could n't just take money out of my account without my permission or a judgment and the judgment would be against the business as again this is not a personal account. 
",,Consent provided,Web,2015-08-14,Closed with explanation,Yes,No,CR1519312,3589
2015-08-14,Credit card,,Billing disputes,,"I have a credit card is a no fee card, but I have been charged {$59.00} a year for 4 years. I called and was unable to speak with a supervisor. I cancelled the card. They stolen money! This is illegal 
",,Consent provided,Web,2015-08-14,Closed with monetary relief,Yes,No,CR1520096,4076
2015-08-14,Credit card,,Customer service / Customer relations,,"I used a Eagle National Bank, XXXX card XXXX months ago to purchase a plane ticket, reserve a rental car, and to reserve a hotel room XXXX. The following day I was told my card was used for fraud and they cancelled my card and would sent a replacement in XXXX days. After XXXX month I contacted them and said I had not rec 'd the cards. They then told me I had to call. I am presently in the XXXX and my address is in XXXX. The first person I spoke to said he would send the cards overnight to me in the XXXX. It was a Collect call, but I ran out of time before I gave him the address here. When I called back I spoke to XXXX different people, with each it got worse. Now they said I have to call their Credit Dept., by now I have spent more than {$100.00} on phone calls. I tried their message center, that is worse, I keep getting a form letter and told to call. Now I asked for my monthly payment amount and balance, because it looks like I 'm not getting a card. I still get no answers to my questions. 
",Older American,Consent provided,Web,2015-08-14,Closed with explanation,Yes,No,CR1518856,6544
2015-08-14,Credit card,,Billing statement,,,,Consent not provided,Web,2015-08-14,Closed with explanation,Yes,Yes,CR1520181,1369
2015-08-14,Credit card,,Late fee,,,,Consent not provided,Web,2015-08-14,Closed with explanation,Yes,No,CR1518846,8030
2015-08-14,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2015-08-14,Closed with monetary relief,Yes,No,CR1519880,2925
2015-08-13,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,"Eagle National Bank allowed XXXX Federal IRS tax refund checks that were jointly written to my ex husband XXXX XXXX XXXX and myself XXXX XXXX XXXX to be deposited and cashed by my ex husband without my authorization or signature. I do not now nor have I ever banked with them. The checks in question total {$730.00}. They were deposited into his checking account at one of their atms in XXXX, Maryland. The checks were never stopped once the transactions were posted on the next business day. The checks in question were forwarded illegally to someone else 's personal P.O. Box that did not belong to either my ex husband or myself. I contacted them to resolve this issue but they have refused to deal with me since I am not the account holder. 
",,Consent provided,Web,2015-08-13,Closed with monetary relief,Yes,No,CR1517596,8661
2015-08-13,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"i am haveing promblem getting my tax refund, i ll file my taxes with XXXX, i did file XXXX because it was rejected, but they approve it on XXXX/XXXX/15 they sent it thru, now here where the promblem begin they sent my check to a banl in california, that bank sent my funds to Eagle National Bank, i went in with information, Eagle National Bank said even thou you have the doucument we cant do anything about it because it in another account, where they got these number from i dont no where, i never had a Eagle National Bank, they said that the IRS is the only XXXX that can solve this promblem but in the meantime you have my fund in that account for 6 month, the IRS SAID THEY ARE NOT RESPONSIBLE, since it a XXXX party, XXXX said that seem like identity theft, i call the police department, they came and said thid ia not indentity theft, someone made a mistake and they need to correct it, so i really hope you guys can help me out 
",,Consent provided,Web,2015-08-13,Closed with explanation,Yes,No,CR1516854,505
2015-08-13,Bank account or service,Checking account,"Account opening, closing, or management",,"I went on line to ask for a Eagle National Bank account, I have had two before and I am a victim of Identity Theft. I have faxed in both police reports to the three credit bureaus and to as many of my accounts including school loans. I went in to XXXX XXXX XXXX to discuss the accounts and about reopening up one. When I saw him on Saturday the XXXX of XXXX and I also took in one of my police reports that was from 2013 with the IRS. I showed him the report or at least placed it on the table. XXXX XXXX XXXX was very polite and professional. Asked for me to come back in the week so he could call in and get authorization and to override my previous accounts. I called XXXX XXXX on Monday and I left several messages. XXXXXXXX, XXXX, XXXX, we basically were playing phone tag with each other. The number I called was XXXX, when finally speaking with XXXX XXXX, he mentioned he was waiting for a call/authorization and he would let me know, to wait for a call from Eagle National Bank by XXXX. Around XXXX I received a call from XXXX XXXX and stressing that I owed money did I want him to tell me the amounts owed to Eagle National Bank XXXX I can fax you the police reports and can someone let me know what my rights are as a Victim of Identity Theft and thank you. 
",,Consent provided,Web,2015-08-13,Closed with monetary relief,Yes,No,CR1517011,3332
2015-08-13,Bank account or service,Checking account,Deposits and withdrawals,,"On Thursday, XXXX XXXX, 2014, I walked into the XXXX branch at XXXX XXXX XXXX XXXX, GA to make a withdrawal from my checking account. I withdrew {$2000.00} from my account and planned to use the branch 's ATM to deposit {$700.00} in funds to my Eagle National Bank account. XXXX of the reasons I changed my checking account to a XXXX XXXX Account was to do this very thing, but still, I confirmed with the teller that I could do this at their ATM. She confirmed that I could. I walked over to the drive-up ATM and began the deposit with my Eagle National Bank card. The machine accepted my card and pin number and then displayed my various Eagle National Bank accounts. I choose my checking account then inserted {$700.00} cash into the ATM. This is where the problem began. The ATM gave me an error message : "" This transaction request is not supported by your card, please take your cash. '' Then the machine froze. The ATM did not return my money or provide me with a receipt, and I was unable to do anything further to complete the transaction. I immediately called XXXX Bank, a customer service representative instructed me to go inside the branch to report the issue. The teller walked out and saw that the ATM was frozen, but she informed me that the machine was not serviced at the branch and that I 'd have to contact Eagle National Bank. I did and for the rest of the afternoon went back and forth between Eagle National Bank and XXXX trying to determine what could be done. Between myself, the XXXX branch teller, the XXXX ATM Services department and the Eagle National Bank Disputes Department, it was determined that there had been an issue, and that I was to go back to the branch the next day to file a claim with the branch manager. 
I returned on Friday morning, XXXX XXXX, 2014 to file the claim through the branch manager, XXXX XXXX. I was told by the same teller that XXXX XXXX was n't available and that he XXXX XXXX was unsure of how to even how to help me. Eventually, I was given a dispute number, but I later learned it did not represent a claim that the branch was filing for me. After I had left the bank, XXXX XXXX approached me in the parking lot to inform me that XXXX would be denying the claim. Overall, I found his demeanor uncooperative, his attitude intimidating, and his behavior simply unprofessional and untrustworthy. I continued, without XXXX XXXX 's assistance, through XXXX 's and Eagle National Bank 's claims and escalation procedures. Phone records show that I communicated with XXXX Bank Services and Eagle National Bank at the time of the incident, and surely there is video of me at the teller, at the ATM and a record that {$700.00} was deposited in that ATM or its cash deposits were {$700.00} over. I have tried to follow both Eagle National Bank 's and XXXX Bank 's processes but they each just blame each other. XXXX most recently sent me an email saying that "" Eagle National Bank should have researched the situation thoroughly on my behalf as an account holder and potentially offered to return the funds ''. Neither bank wants to take responsibility and I 'm stuck in the middle of their tug-of-war. My deposit was {$700.00} and I 'm finding myself having to work around not having these funds. I attempted an allowable ATM transaction, I saw my EN accounts on the screen but the ATM kept my money and did n't register the deposit into my EN account or provide me with a deposit slip. I 'm a customer for both banks and they have an obligation to protect their customer 's funds while I 'm transacting with them. 
I 've attached photos of the ATM error message, the email that XXXX sent, indicating that it fell to EN to return my funds. I 've also included a copy of Eagle National Bank 's documentation that there was no transaction completed on that day. 
",,Consent provided,Web,2015-08-13,Closed with explanation,Yes,No,CR1516785,1055
2015-08-13,Credit card,,Credit card protection / Debt protection,,"I opened a Checking/Savings with Eagle National Bank in XX/XX/XXXX. To begin the process of creating good credit history, I opened a credit card with EN in XX/XX/XXXX. Recently, I made the decision to leave the US for an extended period, while studying in the XXXX, and therefore, opted to close each of these accounts, with the help of the banking center clerk at the XXXX XXXX XXXX, NY branch. Having been previously advised on this matter by another clerk at this location, I explained my situation, and requested the precise amount of money first be transferred to pay off my last remaining credit card charges. I received the receipt for this transaction, as had been done previous times I used this process to make a credit card payment. I also received the email stating my payment had been posted. It was then explained that though I could withdraw my available money, I could not finalize closing of the accounts at the center that day due to a few pending transactions, which would likely clear in the following XXXX days. I was then further advised that the amount of money I requested to have withdrawn from my account, in order to close, exceeded the bank 's limit of in-stock cash. As such, the clerk withdrew as much as was allowed. Because I was scheduled to leave the States within the next few days, I tried another banking center I had been familiar with, the EN in XXXX, NY. At this branch, the clerk advised the same, that the closure process for the accounts could not be initiated until a few days later when the pending transactions had cleared. As before, I completely understood, and we proceeded with the withdrawal process. In this case, I was told by the clerk attending to me that there was no per customer limit for withdrawals from closing accounts, so we proceeded as such, to withdraw the available funds. 
A few days later, when all transactions had cleared, I called to ensure my checking and savings accounts were closed. Within the week however, my credit card account was charged again, the amount I had paid, with an additional 'returned check ' fee. An email was sent saying I owed the bank the sum of money again. From my international location, when I called EN 's credit card center, they stated that my account did not have the amount to cover the transaction. 
I was transferred to the checking/savings department, where upon checks with the clerk, I was told the item for having been put toward payment of the credit card had been stated as pending on my account at the time of the withdrawal ; there was a discrepancy in the internal system. A report was then filed on my behalf by XXXX of these agents, and I was told I would receive a follow up call from a supervisor within four days. To this effect, a case had been opened and I received a confirmatory email, as such. However, the next day, I received another email saying the case had been closed, despite no one contacting me and no reason was given as to the closure, but that I had to pay the money. 
Your assistance in resolving this matter will be greatly appreciated, as I am a student and no longer have that sum of funds easily accessible. I would further appreciate this being done as promptly as possible, as I have also been charged XXXX late fee ; another will negatively impact the credit score I have been trying to build while in the US. 
",,Consent provided,Web,2015-08-13,Closed with monetary relief,Yes,No,CR1516916,2271
2015-08-13,Credit card,,Identity theft / Fraud / Embezzlement,,"I am submitting a complaint against Target Cause they continue to report a fraudulent account that I did not authorize to be opened in my name. They sold the account to XXXX XX/XX/XXXX and I was able to resolve the issue them and get the fraudulent account removed from my file. XX/XX/XXXX I put a complaint on Target and they refused to remove the account even though I have provided supporting documents with my claim. They proceeded to report to XXXX as if the Charge off was XX/XX/XXXX which put me in a worst predicament than I was. I am requesting for this fraudulent account to be removed from my file. I have sent them my police report and the letter from XXXX XXXX XXXX which I am going to attach to my complaint as well. 
",,Consent provided,Web,2015-08-13,Closed with explanation,Yes,No,CR1516899,1067
2015-08-13,Credit card,,Credit card protection / Debt protection,,"Inconsistent communications Long telephone wait times Long or no responses to inquires Erroneous system documentation of caller issues Improper responses to inquiries Non-response to inquiries as promised by supervisors ( i.e. XXXX on XXXX/XXXX/15 ) Improper handling of request for assistance regarding forgotten account passcode Non communication of fraud alert placed on my account/not allowing me to address this concern via telephone due to forgotten/misplaced passcodeAccess to bank card services representatives has been restricted for over 30 days due to forgotten passcode. Card purchases have been denied and I have been unable to communicate via telephone to card services regarding any activities on my account because I can not provide the passcode. 

On XXXX XXXX, 2015, I communicated to EN Card Services that I could not remember my passcode. During this conversation I was informed that unless I provided the passcode I could not speak to a representative about the account. Upon request I was transferred to a supervisor who provided the documentation required to request the removal of the passcode from my account. Fax to XXXX XXXX XXXX XXXX on XXXX XXXX, 2015, provided photo ID and two mailings with my address to confirm my identity as stated by supervisor XXXX s ) of EN Card Services. In follow-up to fax submission, I spoke with XXXX, around XXXX XXXX XXXX, who stated that she would follow up with me by calling on or before Wednesday, XXXX XXXX, 2015. 

I did not receive a call from XXXX on XXXX XXXX, 2015, and when I contacted card services, today, I was informed by XXXX, floor supervisor that ( 1 ) systems reflects I called on XXXX/XXXX/15 and ( 2 ) proof of address was required because the system ( XXXX ) reflects that I had not received correspondences. In informed XXXX that ( 1 ) I had not contacted the card services/bank on XXXX/XXXX/15, and ( 2 ) proof of address was sent in a correspondence/fax on XXXX/XXXX/15. Additionally the matter is "" forgotten passcode '' and the issue of not receiving correspondences from Eagle National Bank is moot because one of the mailings to prove identity was from Eagle National Bank, and not the reason for contacting the bank on XXXX/XXXX/15. 

I have been unable to use my credit card for over two-weeks and there are charges appearing on my account, which I can view online, that are questionable but I am unable to speak with a representative about this concern because I forgot my passcode. 

Card services appears to be inefficiently managed with representatives miscommunicating, either not understanding the reason for contact or mis-documenting the reason for contact in the systems. Correspondence sent via fax has not be addressed as of this date, over 48 hours after contact. 
",,Consent provided,Web,2015-08-13,Closed with non-monetary relief,Yes,No,CR1518175,1971
2015-08-13,Credit card,,Closing/Cancelling account,,,,Other,Web,2015-08-13,Closed with non-monetary relief,Yes,Yes,CR1516954,4662
2015-08-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-08-13,Closed with monetary relief,Yes,Yes,CR1518207,1492
2015-08-13,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2015-08-13,Closed with explanation,Yes,No,CR1518253,4063
2015-08-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"A year ago, my financial advisor of 25 years left Merrill Lynch and went to XXXX. He told me XXXX would not accept the transfer of my account because I resided in XXXX. Merrill kept the account and last month send me a letter saying they were closing it in 30 days ( actually 3 weeks from my receipt of the letter ). I sought an extension until XXXX XXXX and they concurred. The account includes my IRA, etc. I have spent the last month trying to find a bank where I could transfer the accounts. XXXX, XXXX XXXX, XXXX, etc. have all refused. I have no idea what to do with the IRA. I take minimum annual withdrawals. I am a US citizen, a retired senior XXXX. I vote in the US, pay US taxes and receive social security and a XXXX pension. 
",Older American,Consent provided,Web,2015-08-12,Closed with explanation,Yes,No,CR1514702,3621
2015-08-12,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank has lost a transaction I made around XXXX/XXXX/2014. The transaction amount was for {$3000.00} loan made to another party. The parties name is XXXX XXXX XXXX XXXX account number XXXX his bank is XXXX XXXX. According to Eagle National Bank this transaction never took place. I would like for Eagle National Bank to tell how come my account mysteriously lost {$3000.00} around that time frame. 
",,Consent provided,Web,2015-08-12,Closed with explanation,Yes,No,CR1514474,11271
2015-08-12,Bank account or service,Checking account,Problems caused by my funds being low,,"I AM SICK XXXX TIRED OF THIS BANK TAKING MONEY FROM ME. WHY WOULD YOU LET A TRANSACTION GO THREW OF MY ACCOUNT IS ALREADY NEGATIVE THEN YOU CHARGE ME XXXX DOLLARS AGAIN THEN A MAINTENCE FEE FOR WHAT YOU HAVENT BEEN CHARGING ME ONE.I AM TIRED OF THIS AND I WILL BE CLOSING MY ACCOUNT 
",,Consent provided,Web,2015-08-13,Closed with monetary relief,Yes,No,CR1516650,3035
2015-08-12,Credit card,,Other,,,,Consent not provided,Web,2015-08-12,Closed with explanation,Yes,Yes,CR1514539,4588
2015-08-12,Credit card,,Late fee,,,,Consent not provided,Web,2015-08-12,Closed with explanation,Yes,No,CR1516387,3579
2015-08-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-12,Closed with non-monetary relief,Yes,No,CR1515625,2166
2015-08-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-12,Closed with non-monetary relief,Yes,No,CR1515674,3515
2015-08-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-13,Closed with explanation,Yes,Yes,CR1516464,3498
2015-08-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-12,Closed with explanation,Yes,No,CR1515265,7594
2015-08-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-08-12,Closed with explanation,Yes,Yes,CR1514792,670
2015-08-11,Bank account or service,Checking account,Problems caused by my funds being low,,"I have been with EN for 21 years, during that time I had a checking acct linked to a line of credit. A week ago the bank discount the line with informing me, I found out when my wife went to the store and her card was reject for lack of funds. She informed me I went to the bank, they said my line was disconnected and they ca n't reconnected it back. I asked why they '' we do not offer that service anymore, although we disconnected it and it a bank error, we ca n't fix it! '' I have spoken to various people in the bank, no one will help me!!!! 
I asked the if they did away with all acct like this, they said no if you have it you are grandfather in. I said if I had this service for 21 years and the bank disconnected it out tell me why ca n't reconnect the line, it is still open. the response I got was unbelievable "" we will not do it and that it! '' How do I get this resolved??? I want my line hooked back up to my checking acct. I call the executive branch of Eagle National Bank, they said they will not do it Thx XXXX XXXX 
",,Consent provided,Web,2015-08-11,Closed with explanation,Yes,No,CR1512710,105
2015-08-11,Bank account or service,Checking account,Deposits and withdrawals,,"My bank insists on allowing my privacy to be violated and treat me like I 'm crazy when I bring it to their attention. Three accounts and an I.D . theft e.d.d account have all been grossly violated. No accuracy in statements and or amounts, and they continue to be non responsible for issues they have allowed. They also insisted on breaking apart my checks into "" what they would allow me to have at once '' chunks?? 
",,Consent provided,Web,2015-08-11,Closed with explanation,Yes,No,CR1512959,2618
2015-08-11,Bank account or service,Checking account,Problems caused by my funds being low,,"Overcharging Fees on our checking account. In last 3 years maybe 4 at least {$8000.00} in fees and overdraft charges. 
",Servicemember,Consent provided,Web,2015-08-11,Closed with monetary relief,Yes,Yes,CR1513026,2268
2015-08-11,Credit card,,Overlimit fee,,"Hi based on Eagle National Bank overdraft fee class action lawsuit, I was not refunded for the overdraft fee that they charged me on 3 months in a row back on XXXX for XXXX, XXXX and XXXX and a late fee for XXXX XXXX, each of them in the amount of {$35.00}. It was only XXXX late fee that should be waived as I know other credit cards are offering to their customer. I was their customer since XXXX, on XXXX I proved enough for my loyalty besides them. 
",,Consent provided,Web,2015-08-11,Closed with explanation,Yes,Yes,CR1513988,596
2015-08-11,Credit card,,Other fee,,"I was the victim of a large number of unauthorized charges on my credit cards that has resulted in high interest and bank fees. Unaware of the transactions I was deemed the "" billing '' party and not the "" shipping '' party. In the process of recovering the items from the individual who placed the charges on my account and being sure the items were returned, I discovered how difficult it is to return items because there is no recognizable footprint for internet transactions. If the "" shipped '' party does not possess their electronic record ( email confirmation of the transaction ), it may be difficult to access the electronic record any other way. Banks tell me they have no information for dot.com transactions. Merchants tell me they ca n't understand and synthesize their records and easily tie the records back to the original transactions. Meanwhile, the interest and fees charged by the credit card mount for the consumer. 
The problem with record keeping starts at purchase. In my case : Dot.com merchants never validated or asked whether the purchaser and the credit card owner were the same. With this, merchants invited the possibility of an unauthorized transaction and bear none of the burden of interest charges and fees or other consequences to the "" billed '' party. 

Once the transaction occurred, the merchant 's loyalty was only to the "" shipped '' party. Dot.com merchants did not recognize the "" billed '' party ( me ) as a legitimate party. Most would not correspond with me, send refund check for returned merchandise to me, share specific information about the account, or in some cases, even talk to me. 

As the 'billed '' party, I received only information on the credit card statement : transaction date, merchant, and total cost. These are not sufficient information to return an item for a refund. 
Ultimately, most of the items have been returned because of my persistance and luck with finding pieces of information. I am left with an estimated {$1000.00} in interest and fee charges. I feel the inaccessibility of information contributed greatly to not being able to return items sooner. 
At risk are those who are not tech savvy, the XXXX, the elderly, who could potentially incur large credit card balances and be unable to trace charges and make returns because of the morass of data surrounding their transactions should they be unable to keep accurate personal records. In the meantime, the credit card company is charging interest on transactions that this consumer is unable to resolve without the merchants ' cooperation. 
",,Consent provided,Web,2015-08-11,Closed with explanation,Yes,Yes,CR1512398,4754
2015-08-11,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX XXXX, 2015 my debit was hacked from an offline vending machine. At various time after my original purchase at the vending machine charges authorized. Over {$500.00} in cash has been removed from my account. I was informed by my bank that an investigation after the charges post could take any where from 7-10 days and they are not sure why but that is their processes. I have been a customer with this bank for several years close to a decade and up until now my cash has not been put back into my account. I have called several times to see what someone can do but they say it is because they are scripted to advise me it could take 7-10 days but it may take longer. I feel as if I was robbed of my money my hard earned money and my checking account bank can not help. 
",,Consent provided,Web,2015-08-11,Closed with monetary relief,Yes,No,CR1513778,116
2015-08-11,Credit card,,Transaction issue,,,Older American,Consent not provided,Web,2015-08-11,Closed with explanation,Yes,Yes,CR1514139,3313
2015-08-11,Credit card,,Payoff process,,,,Consent not provided,Web,2015-08-11,Closed with explanation,Yes,No,CR1514039,123
2015-08-11,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,Consent not provided,Web,2015-08-11,Closed with explanation,Yes,No,CR1512496,3094
2015-08-11,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-08-11,Closed with explanation,Yes,No,CR1513626,75
2015-08-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,"According to the 4-401 of the U.C.C. - Article 4 Sub C : '' ( c ) .... unless the customer has given notice to the bank of the postdating describing the check with reasonable certainty. The notice is effective for the period stated in Section 4-403 ( b ) for stop-payment orders, and must be received at such time and in such manner as to afford the bank a reasonable opportunity to act on it before the bank takes any action with respect to the check described in Section 4-303. If a bank charges against the account of a customer a check before the date stated in the notice of postdating, the bank is liable for damages for the loss resulting from its act. The loss may include damages for dishonor of subsequent items under Section 4-402. "" I have attempted to contact Eagle National Bank to inquire on how to submit such notices for post-dated checks and was told that it was n't an option. The following chat was done at XXXX/XXXX/2015 at XXXX EST : -- -- XXXX : Good day! Thank you for chatting with Eagle National Bank, my name is XXXX. 
XXXX XXXX : Hello XXXX XXXX : I was wondering how does one submit a post-dated check request notice to Eagle National Bank. 
XXXX : I am delighted to assist you with your inquiry. 
XXXX : XXXX I please have your full name? 
XXXX XXXX : XXXX XXXX : XXXX, thank you. 
XXXX : Thank you, can you please provide the last XXXX numbers of your account number? 
XXXX XXXX : XXXX : Thank you. 
XXXX XXXX : Fyi I do n't want to submit XXXX, I am just inquiring on how it is done. 
XXXX : I understand. 
XXXX : Please allow me a moment to review your accounts. Thank you in advance for your patience. 
XXXX : If a postdated check ( a check dated in the future ) is presented for payment, the bank may pay the check and charge it to your account even if it is presented for payment before the date stated on the check. Your only option to stop the check before it pays, would be to place a stop payment on it. The fee is XXXX dollars per stop payment. 
XXXX XXXX : If "" the customer has given notice to the bank of the postdating describing the check with reasonable certainty '' the Uniform Commercial Code requires that the notice to be honored. That is what I readXXXX XXXX : According to commerical banking code XXXX XXXX : I was n't asking you if it is possible since it is the law, I was asking you how to submit a notice for post-dated check which banks must legally abide by. 
XXXX : We are not able to submit a notice. 
XXXX : You would have to place a stop payment on the check. 
XXXX XXXX : I do n't want to stop the check, I want to post-dated. 
XXXX XXXX : I do n't think you understand my issue, is it possible that you can forward me to a supervisor. 
XXXX : The Uniform Commercial Code ( UCC ) requires banks to accept instructions to delay payment on post dated checks ( stop payment ), as long as the bank is notified within a reasonable time period before checks are presented for payment. 
XXXX XXXX : Are you saying that Delaying a check is the same as stop payment? I do not see that ( stop payment ) part you just added. 
XXXX XXXX : on the UCC codeXXXX : That is the only option you have. 
XXXX : I 'm truly sorry for any inconvenience this has caused you. 
XXXX XXXX : There is no inconvenience, I will submit this chat along with a XXXX complaint since you guys will not follow the laws along with a complaint with the Consumer Financial Protection Bureau. 
XXXX XXXX : If you guys are not following the regulations based on what you said, it should be filed -- -- -- - 
",,Consent provided,Web,2015-08-10,Closed with explanation,Yes,Yes,CR1511791,9196
2015-08-10,Bank account or service,Savings account,"Making/receiving payments, sending money",,"The bank close my account without nofity me of reason i received a check in the mail that i did not know was not a real check. Im only XXXX years old never had a account before now Im not able to open an account in my name.because of the issue. 
",,Consent provided,Web,2015-08-10,Closed with explanation,Yes,No,CR1511619,3591
2015-08-10,Bank account or service,Checking account,Problems caused by my funds being low,,"When I set up my checking and savings account with Eagle National Bank, I was assured that I didnt need to opt out of the option to allow my card to work when the account was overdrawn, because I had set up my overdraft protection. Imagine my surprise this morning when my account was - {$400.00}. Had I known on Thursday that my account was overdrawn, I wouldnt have spent all weekend using that account. 
",,Consent provided,Web,2015-08-10,Closed with monetary relief,Yes,No,CR1511904,4104
2015-08-10,Credit card,,Credit card protection / Debt protection,,"I received an email from Eagle National Bank notifying me that my credit card information has been compromised. They alerted me that a new card was in the mail. I then received a call from Eagle National Bank 's fraud protection department. I asked which store or vendor had compromised my account information. They informed me that they can not tell me this information due to an on-going investigation. They then informed me that even after the investigation, I would not be able to find out who or which vendor compromised my credit card information. This information secrecy is atrocious and unacceptable. Consumers should have the right to know which companies are protecting their consumer data and which companies are not. Consumers should have the right to chose which vendors we do business with based on their ability to protect our security. 
",,Consent provided,Web,2015-08-10,Closed with explanation,Yes,No,CR1511706,6501
2015-08-10,Bank account or service,Checking account,Using a debit or ATM card,,"There was an unauthorized use of my debit card on XXXX XXXX, 2015 @ XXXX. at XXXX located at XXXX XXXX XXXX, XXXX NY XXXX in the amount of {$41.00}, transaction ID XXXX. A second attempt was made for a larger amount, but was declined. My debit card was not lost or stolen so I canceled this card on XXXX XXXX. The only time I used my card on XX/XX/XXXX was at XXXX in the XXXX XXXX XXXX in XXXX, NY. I noticed the charge when I was checking my online account and I immediately contacted my bank. 
",,Consent provided,Web,2015-08-10,Closed with monetary relief,Yes,No,CR1510416,4717
2015-08-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-10,Closed with explanation,Yes,No,CR1510210,4395
2015-08-10,Bank account or service,Checking account,Deposits and withdrawals,,,,Other,Web,2015-08-10,Closed with explanation,Yes,No,CR1510323,11372
2015-08-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Collision events caused negative w/ Eagle National Bank . Constantly over drawn & "" maxed-out '' both credit cards. EN continued over drawn so keep collecting transaction fees. Worked w/ great manager at branch & able to get fees credited back so would not owe EN so much money. Victim of fraud w/ EN XXXX XXXX because online dating site, XXXX & ignorance. Person dating sent me money orders which EN cashed & deposited. Used to pay bills etc. Receive call next day saying money orders counterfeit & account frozen. EN insisted months & months needed to pay back over XXXX due to fraud & being overdrawn. I Worked w/ local police in XXXX XXXX XXXX FBI XXXX XXXX of XXXX. I repeatedly told EN I could not pay & I felt not responsibility pay back considering everything. EN RECENTLY IN XXXX wrote off approx. XXXX. However, filed w/ XXXX , third party, "" Delinquent '' & EN wrote off approx. XXXX. All financial Institutions use XXXX, XXXX XXXX , & XXXX XXXX. XXXX tied to XXXX . Went to open bank Account w/ different bank, told not open account due to XXXX ' Data provided by EN . Told only EN power send letter or update information to XXXX. Spent hour branch of EN in XXXX w/ manager & Supervisor of Escalation Department of EN via phone conference XXXX/XXXX/XXXX. Agreed considering all event etc. EN would escalate "" Letter of Good Standing '' in spite of history XXXX since customer since XXXX & in great standing until XXXX XXXX. "" Letter '' received other day NOT letter & did NOT contain information agreed upon. Filed response complaint to EN including parties involved phone conference XXXX/XXXX/XXXX. Re-submit request & send new "" Letter '' reflects agreed upon. Since XXXX XXXX ; moved, bought car, good job, slowly paying debt, local attorney consult, negotiated w/ creditors etc. BUT, EN keeps "" XXXX '' around. Because of EN, can not open any bank account, credit score good to horrible, ca n't get credit, using son 's bank account I am custodian to cash paycheck, buy money orders, pay bills & pay cash other items. Do this every two weeks. Ex-husband & I sale our land & house in XXXX, WA. Currently & finally sale pending. Explained to EN provide letter, I can submit "" dispute '' to XXXX release "" bad '' report from EN so open account for Escrow when sale closes XXXX XXXX. Told wanted account by XXXX XXXX. Told EN after close house & have money, will repay approx. XXXX THEY WROTE OFF, STILL INSISTING upon. "" cart before horse in order to give horse ''. Tired of financial Institutions "" XXXX "" American Public, especially right now. Told by banker reason power of XXXX & XXXX expansion of power due to expansion of power of Patriot Act which one reason Financial Institutions NO way over-riding & making decisions whether to open account. Patriot Act, REALLY, US citizen, born/raised, play rules, work hard, law abiding etc. XXXX year old divorced Mom,XXXX year old boy & being denied right open bank account, apply credit due to being victim of circumstances ; fraud to me by other & indirectly to EN , divorce, & recovering from recession. What entity over sees XXXX & XXXX ? America? America has become ; considered "" delinquent '' by EN, possible terrorist to Financial Institutions, risk to Banking System. REALLY. Only risk expanded power of Patriot Act, XXXX, XXXX , Financial Institution. XXXX Bless America. I need assistance, direction, advise, information, CHANGE & BANK ACCOUNT. Thank you in advance for your assistance. I look forward to your response. 
",,Consent provided,Web,2015-08-09,Closed with explanation,Yes,No,CR1509904,3643
2015-08-09,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX XXXX I went to my local Eagle National Bank branch to deposit some money I had received from selling my car. I saw that the line was long inside, so I notice many people avoiding XXXX ATM machine I got close and I saw that it had a note which read "" Accepting only deposits '', I said to my self well it 's my luck I just need to make a deposit so I decided to use that machine. My total deposit was to be of {$6100.00}. How I now the machine only take XXXX bills at a time and all the bills I had where XXXX dollar bills I split my cash in half before getting there so I made a XXXX deposit of {$3000.00}. That deposit got credited to my account because after that the machine read if I wanted to add more cash or if that was all I was going to do. I had to make my last deposit of {$3100.00}, so I pushed the add more cash option. I inserted the money and after that I could hear the machine counting the money, so I waited. I saw the machine spit out XXXX dollars out then it read to me unable to accept your cash. I waited there while the machine beeped non stop for about XXXX minutes and the rest of my money never came out. After that I pushed the cancel button and nothing It seemed like the machine was frozen or something. I then see that it refreshed because the screen went all red to how it usually is before it is used. I then checked my account to see if the money actually went in. The only deposit that was posted to my account was the XXXX {$3000.00} and the other {$3000.00} neither came out nor credited to my account. So I called a security which was standing there to see if he knew what I could do he said I should just call the number that is on the ATM machine to have them help me resolve. How I was in a hurry I looked inside to find someone who could help but all the representatives where busy and I knew the wait was going to be long so I just left and called the number right away. I talk to one of the representative on the phone told them what had happened they offered me a temporary credit while my claim was investigated. Then on XXXX XXXX they decided to take back what they had credited because they said that they saw the amount did get deposited. I clearly stated that I did XXXX different deposits that the XXXX did go in and the XXXX did not. So they reopened my claim because they had closed it already because according to them it was resolved and I was lying. The representative then tells me to call back in XXXX hours if I do n't see the money back in my account. I waited XXXX hours and nothing so I call them back to see what is happening and they state that the video surveillance does not show me doing XXXX deposits and that they are right and they just shut down my claim so It ca n't be reopened. I ask what can I do and they recommend I go to the bank and look for the security who was there when that happened ; I have went and no luck. So I call back on XXXX XXXX for a better understanding of the situation and to see what they investigation relies on I ask to see the surveillance video that according to them does not show me doing XXXX deposits. The representative this time tells me I need a court order to access the video surveillance. I do not know what to do I need my money that is why I sold my car. If I would n't of had extra money in my account I would of been in the negative dollars and fees would of started accumulating. I am a college student and a single parent. I ca n't believe that in the United States this type of things can happen. 
",,Consent provided,Web,2015-08-10,Closed with monetary relief,Yes,No,CR1510024,2385
2015-08-08,Bank account or service,Checking account,"Account opening, closing, or management",,"Was informed by Eagle National Bank that my Checking Account Type/Variety which was 'enhanced checking ' since 2010 is now being changed to a 'Core Checking ' account with a fee structure. Previously, I had opted into my checking account with an agreement that as long as an active credit card was open with Eagle National Bank, I would n't be charged checking account fees. This appears to be a nationwide move. I did not agree to have my services changed. 
",,Consent provided,Web,2015-08-11,Closed with explanation,Yes,No,CR1509430,4183
2015-08-08,Credit card,,Other,,"I have a Eagle National Bank credit card. On my XXXX statement, I show that I had paid my revolving credit balance in full and a bit more with no interest charges. For the XXXX statement period, I had paid {$700.00} less, bank statement showed that I had incurred {$37.00} in interest charges. For my XXXX statement, I had paid my open revolving balance in full again, but incurred more interest charges of {$63.00}, XXXX month in a row after having only XXXX calendar month of not completely paying the revolving balance in full once back in XXXX. Eagle National Bank customer service dept 's service rep told me that the XXXX interest charges is a result of me walking into a banking center and making the payment and BofA taking time to process the banking center transaction, which is a bunch of baloney. With the service rep 's explanation not sounding right, we insisted on a manager, XXXX who eventually came on the call, to answer my question. He stated that the XXXX interest charge of {$63.00} was a result from a short payment back in XXXX. Okay we took that reply and we did further research and found out that not only were we charged in XXXX, but we were also charged in XXXX. We called back to the BofA credit call center and was told that the XXXX interest charges was also a result of the {$700.00} unpaid balance from XXXX. So we were charged XXXX for the same {$700.00}, given XXXX different explanations of the interest charges, and still have not resolved the issue of why there are XXXX interest charges when only once that the outstanding balance was short-paid ( short-paid balance was taken care of in the subsequent month ). 
",,Consent provided,Web,2015-08-08,Closed with monetary relief,Yes,No,CR1509710,4116
2015-08-08,Credit card,,Billing disputes,,"On XXXX/XXXX/15, I logged into the online financial service that Eagle National Bank has made available for payments. I noted that my account had been debited for {$25.00} on XXXX/XXXX/15. I contacted Eagle National Bank customer service via telephone and spoke with XXXX, employee # XXXX, on XXXX/XXXX/15. XXXX indicated that because my due date fell on a weekend, Sunday, XXXX/XXXX/15 and I had not made a payment prior to close of business on the preceding Friday, XXXX/XXXX/15, that my account was automatically charged a late fee of {$25.00}. They did explain that the late fee was not valid and would automatically be reversed if I make a payment by the due date. However, my account still exhibits a notation that my payment was late and notates a late fee even though my payment was made and credited to my account prior to the due date. Neither the card holder terms and conditions, or the online service terms and conditions make customers aware of this practice. More poignantly the card holder terms and conditions and the online service terms and conditions provide that payments made by XXXX on weekends and federal holidays will be credited to the account the next business day and that payment shall not be treated as late, at least as it applies to mailed payments. I expressed my concerns about this practice of preemptively charging customers late fees to XXXX, to which he replied, "" that is just the way the system is set up. '' I explained my intent to file a compliant with a regulatory agency if the practice was not addressed, but XXXX was not moved by this. Although these entries as "" late '' are not reported to credit reporting agencies, as far as I know, the bank is still knowingly making false entries on customer accounts regarding their payment punctuality. The practice of preemptively charging customers late fees, with or without the intent to automatically reverse the charges, is inconsistent with what is fair, reasonable and in keeping with the card holder terms and conditions intent of the application of payments. Records of late payment should only be made when a customer does not pay within the the terms and conditions as outlined in the card holder terms and conditions. I have conducted a review of my account and found that this is not the first instance of this event. 
",,Consent provided,Web,2015-08-08,Closed with explanation,Yes,Yes,CR1509454,5928
2015-08-08,Bank account or service,Savings account,"Account opening, closing, or management",,,,Other,Web,2015-08-08,Closed with explanation,Yes,No,CR1509634,12662
2015-08-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-08-10,Closed with explanation,Yes,No,CR1509790,3875
2015-08-08,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-08-08,Closed with explanation,Yes,No,CR1509557,5171
2015-08-07,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank applies unfair and inconsistent polices to applying overdraft fees. 

During day/business hours, if a checking account goes into overdraft and you have alerts configured, Eagle National Bank sends timely alerts where you are given the opportunity to rectify the matter. However, it 's been my consistent experience that if the overdraft action occurs late at night, even within short proximity XXXX XXXX their technical "" next business day '' ), no timely alerts are generated and the transactions are applied with overdraft fees. In my case, the alert itself was not received until XXXX EST the following XXXX ; confirmed in the SMTP headers of the message. 

I contacted Eagle National Bank via phone and explained the above scenario and how I felt this consisted of an unfair business practice and requested a refund of the fees, to which they refused. Afterward, I visited my local Eagle National Bank XXXX, XXXX XXXX XXXX, XXXX, NH and spoke with two representatives. The last, presumably being in a managerial capacity. I explained the above scenario again and got her to admit that their application of overdraft fees is inconsistent -- she acknowledged they "" could '' charge an overdraft fee during the day, but elect not to. 

This is not an isolated incident ; I 've encountered this unfair practice before, including the alerts inconsistency. As it happens, I work XXXX and I 'm up very late at night, into the morning hours. Had the alert been sent in a timely manner, as it is during the day, I would have acted and rectified the matter immediately. 

Furthermore, their "" alerts '' service does not specify any terms of service about which times of the day it may or may not work. In my discussion at the Bank this afternoon, I pointed out this blatant inconsistency ; her response was to say she would note my concerns in their system, but ca n't guarantee they will do anything to remedy the issue. 

Eagle National Bank does not provide the consumer with actual timestamps of incoming transactions to prove that they were not preferentially sorted, to facilitate levying of fees, nor did the representative indicate this information was available when requested. I pointed out that absence of that information was also inherently unfair to the consumer. Therefore, I further accuse Eagle National Bank of preferentially sorting transactions favorably toward the institution, in order to levy fees. 

I believe Eagle National Bank deliberately employs these unfair practices to deliberately take advantage of people, like myself, who have financial limitations. Such unfair practices results in further hardships for the people who can least afford it. It also serves to keep them in debt. It causes substantial grief, especially for those that are struggling to make ends meet, who may not be able to afford legal assistance or may not understand their legal rights to object mistreatment like this. 

Presently, their overdraft fee is XXXX per transaction. There is no regulation in the banking industry of what constitutes a reasonable overdraft "" fee '', such as a percentage. Even if the incoming charge is XXXX that causes an overdraft action, they still charge the consumer XXXX. If you have overdraft protection, Eagle National Bank will charge XXXX per transaction. In the old days, overdraft protection was free ; you used your own credit or funds to supplement it. Further, if you open an account that rejects incoming transactions if the available balance is not sufficient, Eagle National Bank will still charge you XXXX per transaction. 

All of the above, in its entirety is extremely unfair and abusive to consumers. These practices should be stopped, both with legislation and further regulation of the banking industry. 

In my case, at the very least, I want Eagle National Bank to refund the overdraft fees, along with a written apology. 
",,Consent provided,Web,2015-08-07,Closed with monetary relief,Yes,Yes,CR1507670,3393
2015-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,"I have a checking account # XXXX and credit card with Eagle National Bank which they decided to close w/o letting me know until my cc was declined. When calling them to ask why my charge was declined, they claimed the cc account was closed and failed to let me know that they were closing my checking account also. I received a letter in the mail that the account will be restricted in 21 days and closed in 30 days but when trying to make a payment prior to the 21 days the payment bounced and I incurred a {$25.00} bounce fee for a closed account. 
When trying to reach the number on the letter it goes right to voicemail XXXX and says leave a message and they 'll get back to me in 24 hrs, being its Friday and I have bills to pay I decided to go to a local branch to have this resolved and they told me they cant do anything for me that they had to follow procedures set by this department that no one can get a hold of not even their own reps. 
So Eagle National Bank is holding my money for no reason and no one is able to release the funds me so I can make payments that have to be made. 
",,Consent provided,Web,2015-08-07,Closed with explanation,Yes,No,CR1508903,2139
2015-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,"I have contacted Eagle National Bank since I saw XXXX charges assessed to my account which i believe is not supposed to be charged. Unfortunately I have opened new business accounts and signed up for merchant services. Mystery personal has signed me up and thereon no further follow ups nor resolution to my issue was provided by the merchant rep. Device was broken and its almost the XXXX month and yet i do not have the device. At customer service they fail to professionally treat me, matter and fact, they laugh and make derogatory comments. Appropriate proof will be provided upon request. 
",,Consent provided,Web,2015-08-07,Closed with monetary relief,Yes,No,CR1509142,3260
2015-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,"I received a letter in the mail from Eagle National Bank stating that they are going to change the terms to my checking account they will start charging me a {$25.00} a month fee unless i keep {$5000.00} or more and my account or have other loan products. But for new customers they offer free checking on their website for new customers I will copy and paste it below. I have direct deposit and i meet their qualifications for the maintenance fee to be waived. This is not right they are false advertising if they are going to start charging me now. 
Convenient access to your personal checking account wherever, however you want. 
No monthly maintenance fee when you meet XXXX of the following requirements each monthly statement cycle : Have at least XXXX qualifying direct deposit of {$250.00} or more ; orMaintain an average daily balance of {$1500.00} or more ; orWhen you are a Eagle National Bank Preferred Rewards client ( waiver applies to XXXX XXXX checking and savings accounts ) Otherwise, $ XXXX monthly maintenance fee. 
Students under age XXXX are eligible for a waiver of the monthly maintenance fee while enrolled in a high school or in a college, university, or vocational program. Please refer to your Personal Schedule of Fees for details. Footnote 1Teller accessOptional Regular Savings Account Footnote XXXX, MobileFootnote XXXX and TextFootnote XXXX bankingOnline Bill PayPayment RemindersCustomizable alertsFootnote XXXX card with {$0.00} Liability GuaranteeFootnote 6 and new chip technologyKeep the Change ( R ) savings programFootnote XXXX where everyday purchases add up to savingsOptional Overdraft Protection to help avoid overdraft fees and declined debit card transactions 
",,Consent provided,Web,2015-08-10,Closed with explanation,Yes,No,CR1508185,1397
2015-08-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,"on XXXX XXXX 2015 at XXXX I walked in to Eagle National Bank in XXXX XXXX XXXX, XXXX, TN XXXX to deposit cash more than {$10.00} that in business require to fill up CTR Form that I have already did since I 've been customer for many years. Everything went well until up to that form pop out on the cashiers screen, it took her 10 minutes trying to figure out the way out then finally called manager that does n't know how to do that either, then called another senior cashier/ cashiers manager to help out, they chat for a while then she left, but this cashier still seems did n't know and still try and try, 20 minutes has passed.I told her if I can get my DL back, she can make a copy of it if she needs to but do n't hold me there for her to train. because I know they do n't need me there at all, but she refused to give my DL back or make any note, just keep trying.. few more minutes passed I asked one more time and she refused, then I tried to grab my DL but she took it faster and step back, I was Furious! Then I grab her hand try to pull her so I can get my DL but she still refuse to give it to me, That other women : XXXX XXXX, told me to leave the bank and never come back. I told her it was fine as long as I get my cash money back, she said noo.. (??? XXXX?? I almost call police fot that ) finally they return the money, but not before the cashier return only XXXX instead of XXXX my original deposit. And it took her another 10 minutes just to count it back, 
",,Consent provided,Web,2015-08-07,Closed with explanation,Yes,No,CR1508111,1910
2015-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,"I received the Eagle National Bank advertisement in the mail, which states if you open a new Simple Checking Account and make three or more online bill payments of {$25.00} or more during the XXXX consecutive months, you will get {$120.00} bonus. I opened a Simple Checking Account at the branch located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX on XXXX/XXXX/15. I maintain more than a minimum $ XXXX monthly balance and made XXXX bill payments of {$46.00} each for the XXXX consecutive months : XXXX, XXXX and XXXX, 2015. But I did not get a bonus. I called to the customer Service and branch regarding the bonus. They said I am not qualified. When I was opening my checking account I asked a representative when will I receive a bonus? She said after I make three payments. And now, she says I did not make XXXX payments. The ad states I should make XXXX payments. The company does not honor what they advertise. They mislead consumers and not follow their promises. Their service looks unprofessional. I will provide you with the attached documents as the proof of my statement. 
",,Consent provided,Web,2015-08-07,Closed with explanation,Yes,Yes,CR1508993,490
2015-08-07,Credit card,,APR or interest rate,,"1. The credit card is misadvertised at the first beginning when I wassold to apply for this card. I was told it 's a 0 % interest card forthe first 12 months and then 28 % APR. The sales and the customerservices keep using the language the interest is "" void '' to mislead itscustomers, and in certain way allure and motivate people to open thecredit card, even I had the full cash to pay for the goods at the timeof purchase. 
2. EN Retail Card Services did n't send me any notification about whenis the deadline of paying the balance in full. I understand yourmonthly statement says the promotion expiration date, which is XXXX, 2015. However, the statement of XXXX XXXX to XXXX XXXX did n't statethe interest deferred to be added on the current balance ; thestatement of XXXX XXXX to XXXX XXXX did n't state the interestdeferred to be added on the current balance either. These statementsdid n't demonstrate that the expiration date is the actual deadline ofpaying off the current balance in order not to incur any surchargeevent. 
3. I paid in full for my previous balance of {$6400.00} on XXXX XXXX, 2015. 
4. 28 % APR is way too high for any standard credit card. The APR isaveraged at 15 % in the United States. What kinda of business wouldoffer such a high APR and 0 % interest rate in the first year at thesame time? I am suspicious about the misconduction of credit businessand I would encourage for further investigation of their customerbase, since I believe I am definitely not the only one who wasmislead, confused by their business. 
",,Consent provided,Web,2015-08-10,Closed with explanation,Yes,Yes,CR1508599,4722
2015-08-07,Credit card,,Forbearance / Workout plans,,,,Other,Web,2015-08-07,Closed with explanation,Yes,No,CR1507681,4290
2015-08-06,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank is notorious for re-ordering transactions to drive up overdraft fees. 
I made a transaction on Tuesday evening ( XXXX XXXX ) at a restaurant for roughly {$10.00}. Dropping my balance to {$57.00}. The next day I woke up, my account was negative {$170.00} dollars. They re-ordered a {$150.00} charge to the beginning of the month causing my account to overdraft XXXX times ( {$100.00} ). Eagle National Bank has a policy that if your bank goes into the negative, you have until the end of business to get it back positive before they charge you an overdraft fee. My account should have been negative roughly {$100.00}, in which I would have transferred the money over. They refused to remove the overdraft charges when I had called. This is a predatory practice. Had the bank not done this, I would not have been charged ANY overdraft fees. Instead, they used predatory practices to take {$100.00} dollars from me. 

This practice should be illegal. 
",,Consent provided,Web,2015-08-06,Closed with monetary relief,Yes,No,CR1506071,4784
2015-08-06,Bank account or service,Checking account,Problems caused by my funds being low,,"I am with Eagle National Bank and I have a core checking account. I have recurring monthly charges to be billed to my account, and in XX/XX/XXXX and XX/XX/XXXX i was charged overdraft fees for services which automatically billed, and the bank determined to clear on the own volition. I did call into Eagle National Bank on XX/XX/XXXX and was advised by the supervisor that the fees were valid, and that i had no right to their return, even though i had originally requested a bank account that would not let that happen. I was then advised that the checking accounbt i was in, allowed for those to go through, i could not stop it, burt i should have been originally set up in a "" safe balance '' account. this is a checking account from Eagle National Bank that does not allow those charges to go through. I was never advised this bank account existed previously. the person at the branch did not ever advise me of this bank account even though it best suited my needs and requests as a consumer when i opened my account in XXXX of XXXX the banks website does not offer the checking account product to someone going to open a checking account online. the supervisor came back and was unablke to show me on the website where the safe balance checking was offered as it isnt. consumers who do not want their debits to go through without proper funds in their account have no option online or available in the branches if they do not specifically know to ask for that specific account. i was told wiith my account it wouldnt happen, and yet it did. the supervisor did refund the {$70.00} in fees at the end of the call, but also stated there was no way for a consumer to know about the other account unless specifically offered it. 
",,Consent provided,Web,2015-08-06,Closed with monetary relief,Yes,No,CR1506219,578
2015-08-06,Bank account or service,Checking account,Using a debit or ATM card,,"Lots of money was stolen from my bank account at different ATMs I called Eagle National Bank many times and they closed the case a few days ago and my account is negative XXXX. 
",,Consent provided,Web,2015-08-06,Closed with explanation,Yes,No,CR1506375,1608
2015-08-06,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX/XXXX/2013 I went to the ATM to withdraw {$30.00} from my account it was declined because there was only {$20.00} available on this day I withdrew the {$20.00}. On XXXX/XXXX/2013 I had a XXXX however I received a notice from Eagle National Bank XXXX/XXXX/2013 stating that I had overdrew my account by {$8000.00}. How is this possible when I could n't withdraw my account by {$10.00}. I visited the bank and filled out paperwork disputing the charges I was told everything was ok. I have since tried to open an account and have been declined, and was told that I could n't open an account nowhere in the United States, This was told to me by an employee of Consumer Finance. I ask that you please help me in this situation it is not fair that I am being wrongfully accused of an action I did not caused. This has drastically hurt me I have been homeless and hungry at the time in question and {$8000.00} could have really helped me, this situation has caused me pain and suffering. 
",,Consent provided,Web,2015-08-06,Closed with monetary relief,Yes,No,CR1506300,914
2015-08-06,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,"The Eagle National Bank has, on XXXX occasions in the last several months, refused to cash my payroll check that was written on an account at the Bank. The Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX 
",,Consent provided,Web,2015-08-06,Closed with explanation,Yes,Yes,CR1506474,1963
2015-08-06,Bank account or service,Checking account,Problems caused by my funds being low,,"Today, XXXX/XXXX/2015, After trying to contact Eagle National Bank to inquire about 3 consecutive overdraft fees of {$35.00} each that occur on XXXX/XXXX/2015, I could not get this issue resolved. I waited for over an hour to speak to a representative, he seem to not understand XXXX XXXX XXXX that 3 consecutive overdraft fees were assessed while I still had funds available in my account even after 3 payments/transactions that posted onto my account. He kept referencing the overdraft fees to a payment that happened when I still had funds available, but was not making any sense. I, then demanded to speak to one of the supervisors, XXXX XXXX XXXX, and was impolitely addressed to, while I believe her current position was not that of a supervisor due to her rude demeanor. I have been banking with Eagle National Bank for a long time to know that when an overdraft fee is assessed, it is always when a transaction has posted to the account and your balance goes in the negative, not while transactions are in process or pending. I am very unsatisfied with the customer service and I believe this practice is very corrupt. It is very clear where the 3 transactions posted to my account and I was assessed overdraft fees of {$35.00} for each one, while still having funds available and my account not going into the negative/overdraft. In reality, the only transaction which would have caused me to go overdraft would have been the transaction that is "" processing '' in the amount of {$190.00} which has not even posted to my account. I have included a screen shot to support my explanation. I demand to have this issue resolved and the overdraft fees refunded for this unfair practice. 
",,Consent provided,Web,2015-08-06,Closed with monetary relief,Yes,No,CR1505460,4004
2015-08-06,Bank account or service,Checking account,Problems caused by my funds being low,,"XXXX XXXX, 2015 this account was removed from my credit reports. XXXX XXXX, 2015 - XXXX Eagle National Bank CHECKING ACCOU {$600.00} was removed from my credit report because it had been on for 7 years. It was added back to my account in XXXX 2015. I filed the complaint before but was looking at my deleted and removed collections on my credit reports and found it had been removed from XXXX XXXX on XXXX XXXX, 2015. How can another company report again when the account was already run the course of seven years? Is this not considered re-aging an account? 
This Company XXXX XXXX is listing on credit reports a monoth at a time instead of all at once causing my credit scores to drop each month. 
",,Consent provided,Web,2015-08-06,Closed with explanation,Yes,Yes,CR1507157,797
2015-08-06,Credit card,,Other,,"I applied for a XXXX XXXX Credit card which is handled by Eagle National Bank.I have excellent credit ( scoreXXXX ) and pay all my credit cards at end of month. Eagle National Bank said the decision as based on an assessment of your application, current economic trends and a copy of your credit report.. I am applying to XXXX XXXX and Eagle National Bank is not making any money off of me so is not approving of the card. In XXXX letter they say not due to credit report.I used to bank at Eagle National Bank and found them to charge for every little thing so I closed the accounts I feel this is main reason for being turned down. 
",Older American,Consent provided,Web,2015-08-06,Closed with explanation,Yes,No,CR1506561,2253
2015-08-06,Bank account or service,Checking account,Problems caused by my funds being low,,"Message to Eagle National Bank Customer ServiceMessage : Date XX/XX/2015XXXXSubject OtherMessage Account : EN CONVENIENCE CHECKING XXXXAmount : XXXXMessage : Opened my account on XXXX XXXX, 2015 @ XXXX, at XXXX XXXX XXXX, XXXX MD XXXX , at which time I set up, or was instructed during account setup my account would do an automatic transfer prior to any fees. That did not occur. In fact, XXXX of fees were charged to my account in which it seems a FRAUDULENT and/or SCAM-LIKE manner ... or that is how this assessment of fees due to a obvious bank error, including charging a fees assessed for transferring available funds to my savings account. I am very disappointed and feeling very SCAMMED. The customer service representative XXXX, was HORRIBLE! A very disappointing and offensive conversation. This experience is converting into a nightmare, when I have referred XXXX ( XXXX ) people. I am very discouraged. I respectfully request an immediate reimbursement of my XXXX to my account, and correction to ensure this does not occur again. I would like to not have to make this issue become a issue requiring mediation of a third party. I would appreciate assistance in resolution, immediately. 
",,Consent provided,Web,2015-08-07,Closed with monetary relief,Yes,No,CR1507255,1808
2015-08-06,Credit card,,Closing/Cancelling account,,"Account was paid and closed. 
",,Consent provided,Web,2015-08-13,Closed with explanation,Yes,No,CR1505710,3140
2015-08-06,Credit card,,Late fee,,"I own a Target Redcard. The payment is due on the XXXX of each month. XXXX times in the past few months, I have logged onto the Target Card website, on the XXXX to make a payment. Each time I log on, I click "" make a payment ''. Each time I 've done this, during the day and in the morning, I get an error message indicating that the website is unavailable. This has happened each time I do this. When I log in after I get home from work ( after XXXX ), the website miraculously work. If I try and make a payment, however, the next day is selected and it winds up being a "" late payment '' - therefore Target charges a XXXX dollar late fee. Each time I contact them, I ask them to adjust the late fee, citing the confirmation numbers of the payments. XXXX, they 've had to reverse the late charge however this time, they refuse - saying that I could have called or gone to the XXXX XXXX. When I do n't get home from work until at XXXX, It 's impossible to call and go to the store. Their website should work during the day. This is extremely deceptive and completely unfair in business practices and ethics. My payments are always made on the day they are due and because Target 's website chooses not to work, each time I try to make a payment, I should not be charged a late fee, as a repercussion. This is some of the worst business practices I have ever seen, erroneously charging customers fees. 
",,Consent provided,Web,2015-08-06,Closed with monetary relief,Yes,No,CR1507140,2930
2015-08-06,Credit card,,Billing disputes,,"On XXXX XXXX, 2015, I made an online purchase for a professional exam review course from what appeared to be a reputable website XXXX BBB logo was displayed ). Instead of the review course, I received used and outdated books, and merchant was slow to respond. I disputed the charge with my credit card company, Eagle National Bank. Eagle National Bank was not helpful ; nothing was done by the bank to resolve the dispute, and the disputed charge was not reversed. After repeated calls, Eagle National Bank told me I would need to fill out a dispute form, which they would send via USPS mail service. They refused to send the form to me electronically. After waiting a week for the form to arrive, I called again, and was told the form had been mailed, and would take XXXX business days to arrive. When it did not arrive, I called again, and was told it had only just been mailed. From the time I first learned about the dispute form, it took about XXXX weeks - and multiple phone calls to Eagle National Bank - before the dispute form arrived. 

While Eagle National Bank was doing nothing to help with my dispute, I continued attempts to work with the merchant, and on XXXX XXXX, 2015, the merchant stated in an email, "" I instructed our Finance department to put the refund through. It usually takes XXXX business days to process and show your account. '' The credit was never posted to my Eagle National Bank credit card account. Eagle National Bank was provided with a copy the email communication from the merchant, along with Eagle National Bank 's dispute form, returned to Eagle National Bank via priority mail service on XXXX XXXX. On XXXX XXXX, Eagle National Bank acknowledged receipt of the email documents ( receipt date was said to be XXXX XXXX ). On XXXX XXXX, the documents were resubmitted via fax, at Eagle National Bank 's request. As of XXXX XXXX, 2015, Eagle National Bank has still not credited my account for the disputed charge, and representatives - even supervisors - are unable to provide information about the reason for the delay. When the dispute was first made in XXXX, I was told it could take up to XXXX days to resolve. By XXXX, Eagle National Bank said it could take up to XXXX days to resolve ... and this is after the merchant acknowledged that a credit was due. 

Eagle National Bank billed a late fee to my account while the dispute was pending. They did say it will be reversed, but this required another hour on the phone with them. ( I have always paid legitimate charges before their due date. ) Meanwhile, on XXXX XXXX, multiple fraudulent charges appeared on my Eagle National Bank credit card account. I strongly suspect the scammer-merchant sold my account information. I noted the charges the day they were authorized ( while checking my account online to see if the disputed charge had been credited ), and called Eagle National Bank immediately. Eagle National Bank did not advise me to file a police report, nor did the bank advise me about placing a fraud alert on my account with the credit bureaus. Fortunately, a Google search did. I filed police reports with both my local police and police in the state where the charges were made, and a detective was able to obtain video of the fraudster. I also initiated a fraud alert with the credit bureaus. Although the bank was notified within hours, Eagle National Bank did not immediately stop the charges ; instead, they posted the fraudulent charges to my account. Eagle National Bank took over a week to reverse those charges. 

Throughout this process, Eagle National Bank has not provided useful advice, has not adequately protected me, and has been very slow to assist in any way. My confidence in Eagle National Bank has been seriously eroded by its handling of these events, and I am very disturbed about the level of service provided by this bank. 

At this time XXXX XXXX/XXXX/2015 XXXX, my dispute has not yet been resolved. 
",,Consent provided,Web,2015-08-06,Closed with monetary relief,Yes,No,CR1505479,4579
2015-08-06,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-08-11,Closed with explanation,Yes,No,CR1507559,3548
2015-08-06,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-08-06,Closed with monetary relief,Yes,No,CR1505531,4314
2015-08-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-06,Closed with explanation,Yes,No,CR1507283,9226
2015-08-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-08-06,Closed with explanation,Yes,No,CR1506247,4009
2015-08-06,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-08-06,Closed with explanation,Yes,No,CR1506239,1030
2015-08-05,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I called my bank BOFA to ask for a new debit card as the one I have the magnetic strip seem to be worn. They told me that I have to pay {$5.00} to replace it because it is not expired as yet. Is this fair to ask a consumer to pay for a new debit card? 
",,Consent provided,Web,2015-08-05,Closed with explanation,Yes,No,CR1503760,3097
2015-08-05,Bank account or service,Checking account,Using a debit or ATM card,,"My account has been hacked into and i am not getting any real assistance in resolving this is the second time i have opened an account with them and since then i have had numerous fraudlent account opened. Eagle National Bank 
",,Consent provided,Web,2015-08-06,Closed with explanation,Yes,No,CR1504101,975
2015-08-05,Bank account or service,Checking account,"Account opening, closing, or management",,"My mother had a checking account and two savings accounts with Eagle National Bank. When she died, my brother informed the bank and provided a copy of the death certificate. Each account had a payable on death beneficiary. The bank 's initial response to my brother ( who had held power of attorney prior to my mother 's death ), was that they would "" reach out to each of the beneficiaries. When none of us received any word from B of A, my brother again inquired and was told we needed to provide court documents that are unnecessary, as all my mother 's assets were available as non-probate transfer. I went to a local B of A banking center, where, after an hour and a phone call by the associate to corporate that was transferred from one person to another, I was finally given forms that needed to be completed, notarized, and returned to the bank. When I returned my form today, a different associate indicated that what I had been given was not the complete form, but did not indicate what was missing. She also insisted that my brother her call her ( my brother lives in XXXX, while I am in XXXX of which my mother was also a resident ), but refused to say why he needed to call. When he called, he could not speak to her and left his phone number, but did not receive a return call. We are very frustrated with the length of time it is taking to close out these accounts and access the funds, which we need to pay my mother 's final expenses. 
",,Consent provided,Web,2015-08-05,Closed with explanation,Yes,No,CR1504502,4007
2015-08-05,Bank account or service,Checking account,Deposits and withdrawals,,"My wife and I have had a Merrill Lynch XXXX "" wrap '' account for about 25 years. My wife also has her own Checking/Savings account at Eagle National Bank, Merrill 's parent. She deposited a check against her B of A account into the Merrill Lynch account at a B of A ATM. One week later, the funds were still not in the ML account. This has never happened before in the many other instances she has done the same exact type of deposit transaction. I asked her to check her B of A account activity and, sure enough, her balance was lower by the amount of the check ( {$1500.00} XXXX. I called ML 's customer service rep and was told that checks can "" take up to 8 days to clear '' and appear in the account balance EVEN IF THE CHECK IS FROM B OF A, THEIR PARENT! I asked, "" if the funds are already out of my wife 's B of A account but not yet in mine, where are the funds right now? I was provided no answer to this seemingly simple question. Are they ( BofA/ML ) deriving some benefit from holding my funds temporarily? 
",,Consent provided,Web,2015-08-05,Closed with explanation,Yes,No,CR1504826,1257
2015-08-05,Bank account or service,Checking account,Problems caused by my funds being low,,"When I logged into Eagle National Bank Online Banking yesterday ( XXXX XXXX 2015 ), My checking account 's "" Available balance ( as of today ) '' in the Account Summary showed a positive amount of {$250.00}. The same "" available balance '' is represented in the "" All Activities '' section of the Online Banking webpage. After I made a {$50.00} online transfer, my available balance remained positive at {$200.00}. At the end of day, my "" available balance '' was {$190.00}. Including all pending transactions, my "" available balance '' was still positive at {$40.00}. Today, XXXX XXXX 2015, I see an "" overdraft '' fee of {$35.00} in my transactions, and my "" available balance '' is not {$5.00}. When I call the bank to find out why they charged me an "" overdraft '' fee, the representative claims that my "" available balance '' went negative and directs me to the "" Account Balance History '' section of the page. 

This "" Available Balance History '' shows that, at Close of Business on XXXX XXXX, my "" Available Balance History '' was negative by {$12.00} and the bank charged me a {$35.00} fee. The "" Available Balance History '' also shows that it is the {$50.00} online transfer that took my account into a negative territory. However, when I made that transfer, my "" Available Balance '' ( shown here as "" $ Statement Balance '' ) was {$250.00}. This "" Available Balance History '' is only available on the next day and does not show all transactions until the end of the day. Meaning that as of today ( XXXX XXXX ), I can only access the "" Available Balance History '' showing my "" Ending Balance - XXXX/XXXX/2015 ''. Therefore, I could not have the information that my account was overdrawn when I made the {$50.00} transfer yesterday. I was misled by the bank to see that the other "" available balance '' was sufficient for the transaction. Why would they then charge me an overdraft fee when the information available at the time showed that my account had sufficient money? 
",,Consent provided,Web,2015-08-06,Closed with monetary relief,Yes,No,CR1503424,3278
2015-08-05,Credit card,,Closing/Cancelling account,,"I have carried a Eagle National Bank XXXX for two decades. I have a {$25000.00} credit limit, which I never approach. I pay every monthly balance in full and on time, and have never had an interest or late payment fee. About once or twice a year, a "" hold '' is placed on my account for reasons which are never explained. After hassles XXXX as detailed in the attached materials ), the holds are removed. I am asked to review recent charges, and these have always been from local vendors or individuals with whom we do business regularly. I have complained about this regularly, and am simply told that EN is trying to protect me from fraud, and that they can not share the reasons for which the holds were placed. 
Most recently, I have had three such holds in the past few weeks, including XXXX in a 24 hour period. I have pleaded for an explanation, and have simply been told the same thing : EN monitors cards and places holds for various reasons which they can not share. 

I should probably just replace this card ; I have another card ( XXXX XXXX XXXX which I use for business and some travel, and have never had such an experience. In fact, I sometimes use that card when my XXXX is declined. The problem with replacement, beyond the hassle it would create, is that by applying for such a high-limit card while another card is still active I would probably trigger an adverse credit report event. Thus, EN has effectively trapped me in a situation where I have ongoing problems with their card, but can not get out of the card without suffering adverse consequences. 
",,Consent provided,Web,2015-08-05,Closed with explanation,Yes,Yes,CR1503709,1920
2015-08-05,Credit card,,Delinquent account,,"I, XXXX XXXX, am writing to bring to the CFPB 's attention regarding Eagle National Bank 's violation of the FCRA act. They reported wrong information to my credit report abou an account "" 30 day past due '' due to the bank 's error. 

-Statements of Fact-I have XXXX credit cards with Eagle National Bank ( "" BofA '' ). I made a payment of {$250.00} to my XXXX Signature Visa card on XXXX 2015, and BofA applied the payment to the wrong account, which had a XXXX balance, and it resulted in a credit balance of {$250.00}. The bank then reported my account as "" 30 day past due '' to all XXXX major credit reporting agencies. I spoke to an employee at their local branch, and the employee told me it 's a glitch. I only want them to update my account to accurately reflect that my account was never late. For the record, both of my credit cards have a XXXX balance as of XXXX/XXXX/2015. 

Customer respectfully asks the CFPB to take any actions it deems necessary to bring Eagle National Bank ( "" BofA '' ) into compliance with all applicable federal banking laws and regulations, including, but not limited to the Fair Credit Reporting Act ( FCRA ). If Eagle National Bank does not take action to correct the inaccurate information, customer also plans to initiate legal action in Court, pursuant to the FCRA. 
",Older American,Consent provided,Web,2015-08-17,Closed with monetary relief,Yes,No,CR1504608,1928
2015-08-05,Credit card,,Billing disputes,,"I received a letter from EN Retail Card Services dated XXXX/XXXX/15 stating that my account is past due and to promptly send my total payment due. I call EN Retail customer service to inquire about my late charges, as I have never missed a payment. In short, they stated that I made XXXX separate payments in XXXX reflecting as a combined payment, rather than posting separately for XXXX and XXXX. The supervisor stated that I have to make payments monthly after the XXXX and before the XXXX of the preceding month to prevent XXXX posting to the same month and reflecting no payment for the next. Here is the sequence of events : XXXX paid, XXXX posted. XXXX paid, XXXX posted. XXXX paid, XXXX {$25.00} late fee, XXXX posted. XXXX paid, XXXX {$35.00} late fee, XXXX posted. Amount currently due : {$98.00} ( {$60.00} late fees ). This institution refuses to reverse adverse charges and to reinstate my account to current status reflecting 0.00 % for remaining balance owed. I have made all payments either on time or early, and this financial institution wishes to punish me for being a responsible consumer. Additionally, this unfortunately changes the terms of agreement from XXXX months with no interest to 29.99 %. This poor customer service is having a negative reflection on my current account and credit report, as this company is showing my account as late or not current. 
",,Consent provided,Web,2015-08-06,Closed with monetary relief,Yes,No,CR1503753,1416
2015-08-05,Credit card,,Credit determination,,,Older American,Consent not provided,Web,2015-08-05,Closed with explanation,Yes,Yes,CR1505017,3254
2015-08-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Other,Web,2015-08-12,Closed with explanation,Yes,No,CR1503849,4567
2015-08-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-08-05,Closed with explanation,Yes,No,CR1504638,9451
2015-08-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-05,Closed with explanation,Yes,No,CR1503047,198
2015-08-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-08-05,Closed with monetary relief,Yes,No,CR1504799,8433
2015-08-04,Bank account or service,Checking account,Problems caused by my funds being low,,"Currently I have an account with Eagle National Bank. To be very Honest ; I love Eagle National Bank and I have been customer with them since XXXX. Up until recently I have never had any issues with Eagle National Bank. Until recently in XXXX when I cam across some financial difficulties which caused my account to go negative end up with higher then normal overdraft fee 's. Which I have no problem with paying ; because the over draft fee 's are to no one 's fault but my own. Hiowever now my account is overdrawn in the amount of XXXX well actually XXXX after the XXXX dollar transactions fee falls off. Of that XXXX XXXX are returned item fees and XXXX of that is overdraft fees. with a total of XXXX dollars and I think I am problem missing a XXXX of fees here. All in all I believe that my balance is XXXX. However when I contacted Eagle National Bank they state there is nothing they can do ; I think that is insane. Seriously the returned item fee 's I understand ; and I am fighting comed as we speak about submitting a payment XXXX. However the overdraft fees really. I think that is a bit much. 
",,Consent provided,Web,2015-08-04,Closed with monetary relief,Yes,No,CR1500552,1098
2015-08-04,Credit card,,Transaction issue,,"Credit card payment, for groceries purchased at the XXXX XXXX commissary on XXXX/XXXX/15 and XXXX/XXXX/15, were denied 
",,Consent provided,Web,2015-08-04,Closed with monetary relief,Yes,Yes,CR1500937,2226
2015-08-04,Credit card,,Customer service / Customer relations,,"On XXXX XXXX, 2015 I received a letter from Target REDcard that they had cancelled my auto-pay as requested. I had NOT requested this, so I called them up to see what had happened. The first person ( of XXXX I spoke with ) insisted I had done that, until she actually took a moment to look deeper and saw that THEY had cancelled it as my payment had been returned by my bank, saying 'account closed '. I logged on to my Redcard account while we were on the phone to check and make sure my bank account was listed correctly ( I had had all of my account numbers stolen in XXXX, and had closed my bank account and opened a new XXXX ) ; it was, and was clearly selected as the default account ( box checked, and bold red font ). I then asked why they had taken the payment from the other account, and she INSISTED that the only account listed was the old, closed XXXX. I said 'I 'm looking at it right now ', yet she refused to acknowledge that there was another account. I asked to speak to someone else. I had to tell the story all over again and got the same response. I kept insisting, and finally he said, oh yes, I see the other account, but it is not your Redcard autopay account. I logged back in, checked my auto-pay screen, and saw that the default ( correct ) account was autofilled in the box for "" Bank Account '', with words beneath it to the effect of 'the account number above will be used to make any payments '. I told him that, and he said that was not true, that my closed account was linked to autopay. I kept telling him what I was looking at, and he finally said ( paraphrasing ) : 'autopay is like a contract, and the contract is associated with a specific bank account, and if you change that account, you 're changing the contract, so you must cancel the existing contract and create a new contract with the new account '. I said something like WHAT ARE YOU TALKING ABOUT??? And, where does it say any of that at the website? I said again that AT THE AUTOPAY site, the correct account was in the 'pay from account ' box, yet he was adamant that that was NOT the case, and that I was wrong. I finally said, ok, I 'll just pay it, but can I get the return check fee credited since it was n't my fault, and he said, no, it was your fault. Then, I said, ok, I 'll pay all but the {$26.00} now, and he got very annoyed and rude, and I finally asked to speak to someone else. The XXXX person was the rudest. Since my payment was 12 days late as a result of this, all she wanted to do was collect my payment. I told the story again, and she kept interrupting me to ask about collecting my payment. I tried to explain about the XXXX account, and she ( like the XXXX person ) said she could n't see the account, that in fact it was n't there, and when I told her that the guy before her could see it and that we had discussed it, she said, I do n't think so, because there are no notes in the file to that affect. She kept interrupting me, saying, 'the last process was on XXXX XXXX ( or thereabouts ) and the payment was returned as the bank account was closed ', and finally every time I tried to speak she repeated that. I asked for HER supervisor, and she said nobody else was there, and I finally said I would call back the next day. I have been communicating with REDcard customer service online since then, and they are just as adamant that I was wrong, and they will not credit the fee under any circumstances. I have NEVER felt so insulted and demeaned by a group of CSRs in my entire life. I have never been made to feel so WRONG. They ( REDcard online CS ) can see my XXXX account, yet they insist that I should have done the whole close autopay and reopen, and the fact that I see the current account in the box means nothing. I keep asking how I should have known that and they had no answer for that. Not even an attempt at an answer. I can provide screenshots documenting all of this. 
",,Consent provided,Web,2015-08-04,Closed with monetary relief,Yes,No,CR1501211,1485
2015-08-04,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2015-08-04,Closed with monetary relief,Yes,No,CR1501182,1138
2015-08-04,Credit card,,Credit determination,,,,Consent not provided,Web,2015-08-04,Closed with explanation,Yes,Yes,CR1501646,3549
2015-08-04,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-08-05,Closed with monetary relief,Yes,No,CR1501483,1972
2015-08-04,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-08-04,Closed with explanation,Yes,No,CR1500745,3010
2015-08-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Other,Web,2015-08-04,Closed with explanation,Yes,No,CR1501237,9450
2015-08-04,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-08-04,Closed with explanation,Yes,Yes,CR1502440,3312
2015-08-03,Bank account or service,Checking account,"Account opening, closing, or management",,"closed my personal accounts because my business account was overdrawn. 
",,Consent provided,Web,2015-08-03,Closed with explanation,Yes,Yes,CR1500188,1275
2015-08-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I first sent complaint to XXXX XXXX of the XXXX XXXX. He deals with problems. 
He said to contact you. 
I undid an Annunity with Merrill Lynch XX/XX/XXXX. I had held it past 7 years so theysaid I could do that as I prepared to downsize and have money to put down on a house until sold present one. 
What I did not know until tax season here XX/XX/XXXX that there was a "" GAIN '' on it and I would pay more then a few hundred on the gain. 

I was not familiar with gains on this type thing and Was told legally by Merrill Lynch they can not even discuss gains or use that term. I apparently waived paying taxes thinking it would just be a few hundred dollars!!!! 
Little did I know I owed {$7000.00}!!!! 

I have talked for 3months to Merrill Lynch and have no satisfaction. They have said Legally they have done everything right. They told me government set up this rule to not discuss gains and that is upto me as a consumer to know or ask, so I am out of luck. 

There is a lady in XXXX with Merrill Lynch that has done the research and sending the paperwork to me!!!! 
So all I Know is I live in XXXX, XXXX and apparently some banking rules need to be changed so another XXXX citizen does not literally pay the price like I did. 

SincerelyXXXX XXXX 
",Older American,Consent provided,Web,2015-08-06,Closed with explanation,Yes,No,CR1499597,6
2015-08-03,Bank account or service,Checking account,Problems caused by my funds being low,,"There were fraudulent charges made on my account that was n't me and I kept explaining to Eagle National Bank I was n't responsible for these charges and I never write checks. Apparently someone wrote checks in my name that I was unaware about and they were charged to me anyways. I recently paid the account which they told me would come off and never did so they really lied to me about it just to get my money. 
",,Consent provided,Web,2015-08-03,Closed with explanation,Yes,No,CR1499977,1815
2015-08-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"www.Eagle National Bank. 
XXXX ( 3 hours ago ) Replyto bcc : meEagle National Bank XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXEmail XXXX XXXXXXXXXXXX XXXX NOTIFICATION OF CREDIT FROM Eagle National Bank. 

Attn : Beneficiary, We have this day of Monday, XXXX XXXX, 2015 received a payment creditinstruction from the Federal Government of U.S.A to credit youraccount with your full Inheritance fund of US $ XXXX from XXXX account with our bank, Eagle National Bank XXXX However, youshall require providing the followings data 's below : { 1 }. Your Full Name and Address ... ... ... ... .... 
{ 2 }. Your Confidential Tel, Cell and Fax ... ... ... ... .... 
{ 3 ). Your Bank name and address ... ... ... ... ... 
{ 4 ). Your A/c Name and A/c Numbers. : ... ... ... ... ... .... 
( 5 ). Your XXXX Code / Routing Numbers ... ... ... .... 

Please do provide the above information accurately, because thisoffice can not afford to be held liable for any wrong transfer of fundsor liability of funds credited into a ghost account. 

Secondly, the only money you pay for the transfer to take place isjust {$280.00} usd and you are giving 24hours to send the payment andplease be advise that you are to send the payment to XXXX XXXX in XXXX XXXX and you are to use this information to sendthe {$280.00} usd and please be informed that you are not going to pay anyother payment to any body and do not be deceived by any body to sendany other payment. 

Here is the information you will use to send the payment through XXXX XXXX. 

Receiver 's name / XXXX XXXX / XXXX, XXXX XXXXAmount / {$280.00} usdSend us the MTCN once you send the payment. 

Thanks for banking with Eagle National Bank while we long forward toserving you with the best of our service. 

Thanks and XXXX bless you. 
Regards, Yours in Service, XXXX XXXX XXXX B O A XXXX Branch. 
",Older American,Consent provided,Web,2015-08-03,Closed with explanation,Yes,No,CR1499160,4318
2015-08-03,Credit card,,Identity theft / Fraud / Embezzlement,,"Eagle National Bank claimed I have done fraud. the account was cleared with them but it 's on my consumer report. 
",,Consent provided,Web,2015-08-05,Closed with explanation,Yes,No,CR1498716,1576
2015-08-03,Credit card,,Credit determination,,"Eagle National Bank reduced my credit card limit, damaging my credit while I paid my out my amount in full and being a good payment 
",,Consent provided,Web,2015-08-03,Closed with explanation,Yes,No,CR1499314,2927
2015-08-03,Credit card,,Billing disputes,,"My wife, who is the principal user of my Eagle National Bank credit card, signed two documents provided by "" XXXX '' in XXXX 2015. One document, entitled "" Membership Agreement, '' contemplated monthly payments of {$34.00}. The other, entitled "" Personal Training Agreement and Release of XXXX, '' contemplated monthly payments of {$160.00}. "" XXXX '' representatives made certain misrepresentations to my wife to induce her to sign these documents, but those are not yet relevant to the issues involving Eagle National Bank. 

My wife signed these documents in anticipation of receiving certain "" personal training '' services from XXXX. My wife is XXXX years old. It became apparent that the "" XXXX '' personal trainer either was not qualified to provide services for older individuals or was insensitive to the physical limitations imposed by age. As a result my wife suffered recurring injuries associated with these activities and decided that she should terminate her relationship with "" XXXX. "" XXXX "" XXXX '' documents provided that any right "" XXXX '' had to periodically charge my credit card account could be revoked as to any future charges. Specifically, each document included the following provision : "" You may cancel your EFT/CC authorization by giving us written notice of termination. It will only take effect after we have had a sufficient time to allow us and your financial institution, using commercially reasonable efforts, to act on the notice. "" I logged on to my wife 's account with "" XXXX '' on XXXX XXXX, 2015. There was a link at that site purporting to be for the purpose of terminating any "" contract, '' but I clicked on it several times to no avail and concluded that the link was inoperable. Seeing no other way to communicate, I clicked on "" contact us '' and sent an email informing XXXX '' that further charges to our credit card were not authorized. That was followed by a series of emails between me and "" XXXX '' in which I reiterated that further credit card charges were not authorized. On or about XXXX XXXX we also called Eagle National Bank and instructed it not to pay charges initiated by "" XXXX. XXXX. "" Nevertheless, despite these notices beginning on XXXX XXXX, "" XX/XX/XXXX '' on XXXX XXXX initiated additional charges to my credit card. There is no doubt that XXXX days is more than adequate time "" using reasonable commercial efforts '' to avoid making these additional unauthorized charges. 

When I received my XXXX credit card statement from Eagle National Bank, I immediately notified the bank that the "" XXXX. XXXX '' charges were unauthorized. I followed up that notice with a detailed letter reciting the foregoing and enclosing my written notice to "" XXXX. XXXX '' terminating its right to charge my credit card. However, Eagle National Bank has reinstated the charges taking the position that "" XXXX. XXXX '' continues to be entitled to impose charges on my card until such time as "" XXXX. XXXX '' unilaterally determines that it does not have that right and that I will be responsible to Eagle National Bank to pay those charges. 

From my conversations with Eagle National Bank representatives it is obvious that they are well aware of "" XXXX '' practices and are committed to supporting them. I can not get any Eagle National Bank representative to even acknowledge the existence of my right to terminate "" XXXX. XXXX 's '' authority to charge my account. 
",Older American,Consent provided,Web,2015-08-03,Closed with explanation,Yes,Yes,CR1499149,2559
2015-08-03,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank only has available branches in certain states. I was moving out of state for a job, went to the branch to close my account, but was persuaded to keep my account open based on their mobile deposit feature that would allow me to deposit my check and be available next business day. Now, I am several hours away from the nearest Eagle National Bank branch, and they are holding my check for 4 days preventing deposit. The Mobile App where you deposit the check states that if deposited before XXXX it will be available same day, if deposited after XXXX it will be AVAILABLE next business day. The branch I was at is open 7 days a week and advised me that they consider non holiday weekends as business days. I gave them the flexibility that perhaps that was that specific branch, and the money would be available on Monday. It is now monday and they are telling me that that is wrong, and the money is not available, despite being told by their branch manager, and their mobile app that they money should be available. The previous mobile deposit I made was available to me next day, but only half of it, the other half was mysteriously put on hold, in which case the representative advised me he "" did n't know why, but it should be available either tomorrow or the day after. '' It was eventually available to me, but they have yet to produce a reason for holding over XXXX dollars of my money in contradiction to their own written policy. I was also advised that the branch can push through the deposit and make it available to me today, but customer service can not -- again without explanation. I was told my only option was to drive several hours to the nearest branch and ask them to push through the deposit to make funding available to me. 
",,Consent provided,Web,2015-08-03,Closed with explanation,Yes,No,CR1498827,3247
2015-08-03,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-08-03,Closed with non-monetary relief,Yes,No,CR1499588,4799
2015-08-03,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-08-03,Closed with explanation,Yes,No,CR1499116,12092
2015-08-03,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-08-03,Closed with explanation,Yes,Yes,CR1499644,2545
2015-08-03,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-03,Closed with explanation,Yes,No,CR1499551,4473
2015-08-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-08-03,Closed with monetary relief,Yes,No,CR1499298,3669
2015-08-02,Bank account or service,Checking account,Problems caused by my funds being low,,"A charge was placed to my Eagle National Bank account which overdrafted the account. I was not notified of the negative account status, nor the fee that was then applied. I have called in multiple times for this exact issue, each time being told it was now fixed and I would be notified. I have a history of texts showing Eagle National Bank notified my when my account is negative, but this time Eagle National Bank refused to do so and charged me {$35.00} for it. I have never opted-in to overdraft protection, if anything, I have repeatedly requested to not allow my account to be overdrafted. 
",,Consent provided,Web,2015-08-02,Closed with monetary relief,Yes,No,CR1498227,3796
2015-08-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Last year Eagle National Bank put my information into the Early Warning System due to an honest mistake. My account was closed due to a check that was entered into their system that belong to an older account of mine. I explained to them that I was teaching my grandmother how to use the check feature on the banks mobile app when my phone froze. While I did n't see the mistake until later I tried to make amends only to still be denied. So now every time I have tried to open a new bank account it is shut down. Being a college student hours away from home it is highly inconvenient. 
",,Consent provided,Web,2015-08-02,Closed with explanation,Yes,No,CR1498222,5144
2015-08-02,Bank account or service,Checking account,Using a debit or ATM card,,"My Eagle National Bank Debit card was replaced due to the bank being notified of a potential compromise to my card in XX/XX/XXXX. 

I had a automatic renewal with XXXX XXXX XX/XX/XXXX, prosessed on my old debit card number ( COMPERMISED ). 
I received a letter of renew from XXXX XX/XX/XXXX concerning renewal of the service. I returned invoice marked do not renew. They processed the renewal with OLD Debit number and Eagle National Bank processed it through using new Debit card. Per their service rep, XXXX will allow as a courtesy one time. I do not want any bank or CC company providing access to my funds if the merchant does n't have correct information 
",,Consent provided,Web,2015-08-02,Closed with explanation,Yes,Yes,CR1498317,3686
2015-08-02,Credit card,,Billing disputes,,"I send my credit card payment on time every month and they charge me fees in the form of interest, I have contacted them once before and they said it would not happen again, It has happened again and they charge finance charges,,, I always send my bill 8 days before it is due. Thank you for your help XXXX XXXX XXXX 
",Older American,Consent provided,Web,2015-08-02,Closed with monetary relief,Yes,No,CR1498379,3457
2015-08-02,Credit card,,Advertising and marketing,,"See below my emails to Target 's customer service team which describes my interaction with them via and email and phone regarding a credit card that they signed me up in the guise that it was a loyalty points/discount card as opposed to a credit card. 

-- -- -- -- -- Forwarded message -- -- -- -- -- Date : XXXX XXXX 2015 at XXXXXXXXSubject : Customer Complaint - Credit Card ChargesTo : XXXXXXXXHello, I 'm a US citizen who lives in XXXX XXXX and I only come to the USA every 4 years for a visit. I was in the USA for six weeks between XXXX this year. 
I shopped at Target and the cashier told me about a discount card that they offer, saying that I could get 5 % off my purchase if I used it. I decided to apply for the card right there to get the discount on the purchase that I made. This was just a few days prior to my departure from the USA on the XXXX of XXXX. 
I was under the impression that the card I was applying for was the same kind of discount card that is used by XXXX and XXXX, both cards that I had previously applied for which give significant discounts on purchases. 
I was not told that this was a credit card that I was applying for. 
I gave my mother 's address and the prepaid cell phone number that I was using while in the USA. My mother has since left for XXXX for six months. The person staying at my mother 's place forwarded my dad the attached bill from Target for a credit card that I supposedly applied for. 
When I made the purchase, I gave the cashier my XXXX XXXX XXXX credit card to make the purchase. I was not aware that the purchase was made on this new Target Credit Card. 
I am willing to make the payment for this particular transaction as I did n't know that it came off the Target card and not my own credit card. However, I am not willing to pay any fees attached with this card, as I had no intention to apply for a credit card, and the cashier did not explain this at all to me. I think that it is fraudulent to have someone believe they are getting a discount card when they are actually signing for a credit card. 
I spoke to a customer service agent on the phone who told me that he has the final say and that I had to pay the penalties and there is nothing more that I could do. 
If you do not resolve this as requested, then I will either take it up with the consumer protection agency ( or whatever this may be called in the USA ), or if I do n't have the energy to do this, I will just not pay the amount, as I hardly ever come to the USA anyway. 

The person that I spoke to is : XXXXSenior Credit Advisor - TargetHe was very unhelpful and my conversation with him was extremely frustrating. 

Regards, XXXX XXXXTarget 's response : On XXXX XXXX 2015 at XXXX, Target Guest Relations & lt ; XXXXXXXXXXXX & gt ; wrote : hello XXXX, Thanks for contacting Target. I see that you have signed up for a REDcard with the understanding that it was a discount card, and not a credit card. I apologize for any frustration. 


I 'm sorry, but Guest Relations is unable to assist with this issue since we do n't have access to your REDcard information. Please call the number on the back of your card and our REDcard team will be happy to assist you. If you do n't have your card, call our REDcard team at XXXX and they 'll be able to help you with your questions. 



If you 'd like to manage your account online, simply visitwww.target.com/redcard to enroll or sign in to Manage My REDcard athttp : //rcam.target.com. Once enrolled, you can send the REDcard team online messages, view your billing statement and more. 


Thanks for getting in touch. 

Sincerely, XXXX Guest RelationsMy responseDate : XXXX XXXX 2015 at XXXXXXXXHello, It seems that you did not take note of my concern that I found the call centre extremely unhelpful, as you are referring me straight back to this channel ... 
",,Consent provided,Web,2015-08-02,Closed with monetary relief,Yes,No,CR1498280,282
2015-08-02,Credit card,,Credit determination,,,,Consent not provided,Web,2015-08-02,Closed with explanation,Yes,No,CR1498281,1121
2015-08-02,Credit card,,Advertising and marketing,,,,Consent not provided,Web,2015-08-02,Closed with explanation,Yes,Yes,CR1498300,4428
2015-08-01,Bank account or service,Savings account,Problems caused by my funds being low,,"Eagle National Bank solicits you for overdraft protection. Which costs me {$10.00} per month or so. Then, if Eagle National Bank utilizes the overdraft protection from my savings to my checking account. They will charge me {$3.00} per transaction. So, they offer this service that we have to pay for and then they charge me to transfer the money. I have been charged for this service. How is this servicing the customers? This is ridiculous. We are losing money we do n't already have. This is a serious issue and I am not sure who all knows about this rip off. 
",,Consent provided,Web,2015-08-01,Closed with explanation,Yes,No,CR1497821,1501
2015-08-01,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-08-01,Closed with explanation,Yes,No,CR1497907,1313
2015-07-31,Bank account or service,Checking account,Deposits and withdrawals,,"I am a long term account holder with Eagle National Bank. In general, I have never had a problem until XXXX XXXX, 2015 at the Eagle National Bank XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. 
I had calculated a XXXX minute stop at the drive through teller of this branch, to withdraw funds for my travel XXXX. I was on my way to the airport. I wrote my deposit slip, the teller XXXX XXXX XXXX returned it saying that I could only withdraw up to {$2500.00}, but she did not send another slip. I requested a XXXX slip and wrote it out for the allowed sum and XXXX minutes later, she tells me she ca n't help me because I signed my initials and they did not correspond. She stopped serving us, did not even offer to send another slip. I parked my car and went into the bank, I saw the teller had called a manager and I was actually relieved thinking he might speed up the process so that I could get my money and leave. 
I was frustrated and complained to the manager about the teller, he then proceeded to treat me and my mother in the most unprofessional manner, at one point telling us to "" get out '' and calling us rude. I was very angry and said I would not leave without my funds and that he and the bank are supposed to provide me with at least professional service. Finally after XXXX kind ladies gave me their turn in the line, I was able to withdraw my funds. I then asked for his card. The name of this man is XXXX XXXX, and apparently new as small business relationship manager. Although I do not want anyone fired on my behalf, I strongly suggest better customer service training for your personnel. I left the bank XXXX minutes later for what should have taken a maximum of XXXX minutes. 
Sincerely, XXXX XXXXXXXXXXXX 
",,Consent provided,Web,2015-07-31,Closed with explanation,Yes,Yes,CR1497125,5517
2015-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX/XXXX/2015 I went through a really bad separation from my partner. I went into Eagle National Bank and had a teller assist in transferring all of my funds out of my joint bank account to a new bank account that was in my name only. Thirty minutes after I left the bank I received an email confirmation that my funds fell below {$25.00} in my old bank account, and I received a confirmation number that the funds transfer was complete. On Saturday XXXX/XXXX/15, the other party walked into Eagle National Bank and withdrew {$600.00} from the account that should 've had a balance of XXXX. When I called customer service they told me that there were funds available in both accounts, which is crazy to me. On Monday XXXX/XXXX/2015, Eagle National Bank did a reversal of the transfer from my new account back to my old account and said that since I transferred the funds on XX/XX/XXXX and set the account to close, that all transfers had been cancelled. They then overdrew my new bank account a lot of money and all of my purchases, including my rent payment that I made on XX/XX/XXXX almost bounced. I filled a claim with Eagle National Bank and their claims department called me and told me that there was nothing they could do for me since the other party was on the bank account. My bank account is still overdrawn {$600.00} dollars since XX/XX/XXXX and they are refusing to take any accountability that they made a mistake when they transferred my funds. If I would 've known that doing the right thing but sitting down and having a teller help me with the funds was going to put my money in jeopardy I would have just pulled all my money out and went to a different banking facility. 
",,Consent provided,Web,2015-07-31,Closed with explanation,Yes,No,CR1496362,698
2015-07-31,Credit card,,Customer service / Customer relations,,"Back in XXXX of 2014 I contacted Eagle National Bankn in regards to XXXX payments I made. I made a payment in XX/XX/XXXX and then the following month in XX/XX/XXXX. I was told the payment was XXXX days late. I am very upset because I been a loyal customer with Eagle National Bank for XXXX years and I have never been late on my credit card bill. And I always pay my bill before the due date. They did nothing to help me and they told me I was late. I told them I was not I asked them if they could remove they late fee or reverse it and they told me no. As a loyal customer they should have done it anyway. I have an excellent bill history with them and they did nothing to help me and were very rude as well. 
",,Consent provided,Web,2015-07-31,Closed with non-monetary relief,Yes,No,CR1497420,1949
2015-07-31,Credit card,,Other,,"Eagle National Bank refuses to honor the Power of Attorney I submitted so that I can manage my Aunt XXXX financial affairs. They refuse to remove an unauthorized {$25.00} annual membership charge by XXXX XXXX XXXX from her {$0.00} balance account and refuse to close the account. If they had closed the account when I asked them too, XXXX XXXX XXXX would not have been able to perform their little money harvesting operation. 
I have called EN repeatedly. Supposedly, they filed a complaint for me in-house and were going to call me back when someone had a response for me, but nothing ever happened. I got one ridiculous phone call from some poor call center person in a fake executive issues office ( every large corp has these and they are WORTHLESS ) who tried to tell me that I could n't do anything on my Aunt 's behalf. 
XXXX XXXX *My Aunt is XXXX that her Medicare assigned doctor did not test her for when asked to do so. This happened because my Aunt XXXX is "" just a Medicare patient '' and this doctor does not treat the patients assigned to her by Medicare. I learned this from a whistleblower in her office. ( A formal complaint has been filed with the XXXX, but they are also a chronically corrupt organization with a 15 year record of failed investigations and legislative oversight ENrds that accomplish nothing. No wonder people riot XXXX XXXX. 
* * *Anyway, if I remember correctly, there will be a place at the end of this process to attach supporting documents. I have one file to attach with XXXX pages containing the POA and it 's proof of delivery by certified mail, the insulting correspondence from EN, the last XXXX invoices for the EN XXXX that I have asked them to close after removing the unauthorized charge. 
* * *I have also been communicating with a gentleman at Aunt XXXX XXXX EN bank branch. At the commercial banking level, I have been able to function, remove debit cards and manage my Aunt 's checking account. XXXX XXXX has been very helpful thus far, but he was unable to help me with this aspect of EN 's operation. 
* * *Please do not do what you did last time. Please do not just send all of this to EN and ask for a response. That does NOT work. EN is a monolithic organization that is too big to live. It is a nightmare of consumer abuse. The last time the CFPB did this, all I got was a response that was completely unrelated to the issue and nearly impossible to access on the website. Worst of all, the offending organization actually stated in their response that the case was closed. And I never could get anyone at the CFPB, even escalating to the Ombudsman, to follow through and make sure that the problem was solved. 
NOTE : In the drop down below there is no selection for Power of Attorney issues. I have talked to MANY people who are caring for the elderly who have been treated like XXXX by banks and other organizations - but mostly the banks. Please add this to the drop down. 

Please do better this time. 
",Older American,Consent provided,Web,2015-07-31,Closed with explanation,Yes,Yes,CR1497800,4018
2015-07-31,Credit card,,Other,,"I was a victim of identity theft. Someone tried to apply for an Target card in my name. When I noticed the inquiry on my credit file I notified Target thru certified mail of this discrepancy. They ignored my request. It has been over 30 days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Target. 
",,Consent provided,Web,2015-07-31,Closed with non-monetary relief,Yes,No,CR1497567,1419
2015-07-31,Credit card,,Other,,,,Consent not provided,Web,2015-07-31,Closed with non-monetary relief,Yes,No,CR1497196,3215
2015-07-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-31,Closed,Yes,No,CR1496989,4034
2015-07-31,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2015-07-31,Closed with monetary relief,Yes,No,CR1496090,2336
2015-07-30,Bank account or service,Checking account,Problems caused by my funds being low,,"Hello, On my existing account with Eagle National Bank, with a number : XXXX XXXX XXXX. A recent summary from my account Eagle National Bank is charging {$35.00}. The charges were made on the following dates XXXX, 2015, applies "" unfair '' actions. Is attached XXXX document. Eagle National Bank misleading on statement, such as by telling that "" heck card and ATM transactions generally reduce the balance in your account immediately, '' that money comes right out of the checking account the minute you use your debit-card, '' and that "" [ I ] if you do n't have enough money in your account to cover the withdrawal, your purchase wo n't be approved. In addition, the Eagle National Bank online banking service displayed pending transactions to customer in chronological order, only to rearrange them in high-to low order at the time posting in order to maximize the number of overdraft fees. 
",,Consent provided,Web,2015-07-30,Closed with explanation,Yes,No,CR1495579,2831
2015-07-30,Credit card,,Credit line increase/decrease,,"My wife, who controlled all finances during our marriage, and I divorced in XXXX 2015. Since that date I have been working to rehab my credit score due credit card high limits. I had XXXX in credit card debt between XXXX companies, XXXX, XXXX XXXX, and Eagle National Bank. Attempting to rehab my credit score I made large payments to pay off my XXXX ( {$1500.00} ) and XXXX XXXX ( {$1500.00} ) to alieviate my credit card debt to credit card limit ratio. Also, I made a {$2000.00} payment to my Eagle National Bank card to decrease the balance from {$5000.00} to {$3000.00}. 

Upon receipt of the {$3000.00} payment Eagle National Bank immediately decreased my credit limit to {$3400.00} leaving me with open credit of {$400.00} instead of what I thought would be {$2000.00}. How am I supposed to recover my credit score when I went from maxed out to maxed out while paying {$2000.00}? This can not happen to Americans who are doing everything they can to improve their credit scores. 

Also, Eagle National Bank stated they would decline a credit increase back to {$5000.00} because of a {$19000.00} revolving line in use ( total ). This is not accurate due to my {$5000.00} pay down of revolving debt only to have the ratio increase with their credit line decrease. I feel victimized. Debt issues in America will not be fixed by sneaking credit decreases to middle-class citizens immediately after a large payment is made. 
",,Consent provided,Web,2015-07-30,Closed with explanation,Yes,No,CR1493803,10510
2015-07-30,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX XXXX, 2015, I received a call about irregular activity taking place with my Eagle National Bank debit card on XXXX XXXX, 2015. I was n't aware that I was missing my debit card until that time, and I confirmed with them which transactions were made. They told me I had to wait until those transactions posted for me to file the dispute, which I then did as each of the XXXX items posted. First item was a {$400.00} transaction at a pharmacy. The XXXX item was a {$220.00} charge at a restaurant in XXXX. The third transaction was at a XXXX for about {$4.00}. The fourth was another XXXX XXXX transaction for about {$3.00}. And the last was a {$16.00} cab ride in XXXX. All happened on the same day, but posted at different times. They immediately closed the card though. On XXXX XXXX, I called to check the status of the dispute, and found that the bank rejected the claim. The reasons for the denied claim were : 1 XXXX The transactions took place within XXXX minutes of an undisputed transaction ; 2 XXXX there were no attempts to use the card after it was closed ; and 3 XXXX my history at one of the terminals. 

Now, I am taking a board review course in XXXX XXXX, NY. 19 minutes within XXXX XXXX could be anywhere in XXXX, XXXX NJ, the XXXX, XXXX, or XXXX. Also, all the transactions were done on the same day, which was the XXXX, though they each posted on different days. Just because the thief did n't attempt to use the card the next day, does n't mean that it was n't fraudulent. Is it inconceivable that this person knew that they only had a limited window of opportunity to use the card? Lastly, just because I used the card at one of the same locations, does n't mean that it could n't be used at that same location. I used it for a {$55.00} transaction a day or two before at XXXX XXXX pharmacy. The fraudulent transaction at the same location was for an amount of {$400.00}. I 'm not sure how or why that could be held against me and validate a rejection of a claim. 

Anyhow, after the first rejection, I filed a police report. Then I resubmitted the fraud claim, and it was denied for the same exact reasons. That is why I 'm contacting the consumer financial protection bureau. Please help. 
",,Consent provided,Web,2015-07-30,Closed with explanation,Yes,No,CR1494854,1171
2015-07-30,Credit card,,Customer service / Customer relations,,"My current credit report is showing that I have a Target Credit Card open that has never been used. However, I have never had a Target Credit Card. Target can not find any card under my name and is refusing to remove the card from my credit history even though they can not find a card registered under my name. Because I have never actually had a card with Target I do not have the full credit card number with which to reference what is showing up on my Credit Report. I would like Target to remove the credit card they have listed on my credit report as they have no history or documentation of me ever having had a card with them. Even though I do not have any outstanding balance this card is negatively affecting my credit. 
",,Consent provided,Web,2015-07-30,Closed with non-monetary relief,Yes,No,CR1495200,547
2015-07-30,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2015-07-30,Closed with monetary relief,Yes,No,CR1495332,3834
2015-07-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-07-30,Closed with explanation,Yes,No,CR1494437,897
2015-07-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-07-30,Closed with explanation,Yes,No,CR1493770,4093
2015-07-30,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-07-30,Closed with explanation,Yes,No,CR1494294,3134
2015-07-29,Bank account or service,Checking account,Problems caused by my funds being low,,"I am a customer at Eagle National Bank and enough is enough!!!!!!! I have told Eagle National Bank on more than one occasion that I DO NOT WANT OVERDRAFT "" PROTECTION ''. I had to leave town on a emergency and due to posting delays ( I made those charges of Friday but they did n't post until Monday ) I over estimated how much money I had and due to my withdrawal on Sunday before I left town my account went into overdraft on Monday while I was out of town. I read up on the laws and what the bank promises and they say that they will not charge fee 's for non recurring items and bill pay. I had XXXX items post while I was out of town XXXX for XXXX each and XXXX for XXXX and of course I was charged XXXX for each item!!! I know Eagle National Bank and the other banks are a business BUT this is unconscionable and I do n't know why it is acceptable for the banks to act this way? I researched state usury loan shark laws and the most any state allows someone to charge in interest is 45 % in the state of Colorado. Why are banks not forced to charge a percentage of the over draft amount???? Is it fair that a person that overdrafts by {$1.00} and a person that overdraft by {$1000.00} pay the same {$35.00}??? Also I am reading that bank believe that they dont have to abide by lending interest rate laws because they claim overdraft items are not loans. I beg to differ if I dont have XXXX to pay for an item and YOU, Eagle National Bank. Chooses to pay for that item for me WITH THE EXPECTATION that I must pay you back THAT ABSOLUTELY IS A LOAN!! And what they are doing is illegal and there needs to be a class action lawsuit, its very simply if I dont have enough money in my account I DONT WANT YOU PAYING THE ITEM FOR ME!!!!!!!! They continue to do this because the law is not forcing them to act in a decent and equitable manner. 
",,Consent provided,Web,2015-07-29,Closed with explanation,Yes,No,CR1491860,4409
2015-07-29,Bank account or service,Checking account,Using a debit or ATM card,,"I deposited over over {$10000.00} from my debit visa card with Eagle National Bank, to a Brokerage Firm called XXXX, located in XXXX. I started having issues with fraud, lies & deceit with the Account Manager ( Named XXXX XXXX ) at XXXX and mailed all my emails complaining of the deceitful way she was handling my account. The Account managers name was XXXX XXXX and had promised to stay in contact with me each week before she did any trading. I asked her to trade very conservatively & to have a Risk management program to prevent my account from losing money. She agree to everything & things were going well until XXXX XXXX,2015 when she asked me to draw {$5000.00} from my Visa card that would be reimbursed within that month. On XXXX XXXX, 2015 she accepted bonus rewards without telling me and then She did n't call me for over XXXX weeks During this time i had no idea she had accepted bonus rewards money that locked my account from withdrawing any money. She violated our agreement and started trading recklessly with over 90 % of the {$16000.00} i had invested. She lost {$7000.00} the week I deposited the {$5000.00} dollars and i sent over XXXX emails complaining to XXXX about the way she was trading so poorly and reckless losing a great deal of money. XXXX sent me an email stating they would investigate this which was more lies & deceit from this Company. On XXXX/XXXX/2015 XXXX XXXX called me had told me I still had {$10000.00} still left in my account. She said if I signed a document from XXXX that said Fraud did not occur and that I made was trading actively, that I would be able to withdraw the remaining {$10000.00} still left in my account after having all the bonus rewards removed.I signed this document under false pretenses and the Lies stated by XXXX XXXX. The next day after i signed that document XXXX XXXX called me and told me that XXXX was closing my account and keeping all my money.I was outraged and sent a letter to Eagle National Bank explaining everything that had happened. Eagle National Bank was able to retrieve {$5000.00} of my money from my visa credit card but was not able to retrieve any of my money still in my account that XXXX said were profits I had made & they were keeping. XXXX never sent me any letter stating they were doing this & this was told to me over the phone by the XXXX called XXXX XXXX. I have tried contacting XXXX and my account is now closed and does not exist accord to them. Eagle National Bank was trying to get back {$7500.00} from my account when I am rightfully due the {$10000.00} that was still in my account. I needed this money to help pay for the co-payments to have XXXX & XXXX XXXX DECEIVED ME & LIED TO ME COMMITTING FRAUD ON MY ACCOUNT.I do n't know anything about trading Stocks & XXXX XXXX was assigned to help me as she did all the trading. She Breached our verbal contract when she started trading using my money without speaking with me. She committed FRAUD WHEN SHE MADE TRADES WITHOUT CONSULTING WITH ME.. I NEVER APPROVED ANY OF HER TRADES MADE AFTER XXXX XXXX,2015. MY CASE NUMBER AT Eagle National Bank IS XXXX XXXX XXXX XXXX THE Document that I signed was signed under false pretenses. XXXX XXXX told me XXXX was going to sue me if i did n't sign that paper & she made other threats as well. My son is writing this letter because I am living on XXXX until I can have my XXXX. Sincerely, XXXX XXXX XXXX 
",,Consent provided,Web,2015-07-29,Closed with explanation,Yes,No,CR1493511,6978
2015-07-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I went to the Eagle National Bank branch, located at XXXX XXXX XXXX XXXX, in XXXX, Florida on XXXX XXXX, 2013 to enter my safe deposit box. When I arrived, the bank personnel made me wait for about an hour while they tried to locate the signature card associated with my safe deposit box. After the bank was unable to locate the signature card, they decided to start a new signature card and allow me to enter my safe deposit box. When I opened the box I discovered all my belongings were missing. The only thing found in my box was a lock, which looked like it belonged to another safe deposit box, along with XXXX screws. ( This lock obviously did not belong to me. ) Eagle National Bank said they would conduct an investigation, but they have been uncooperative and have never returned any of our missing items. Additionally, they have never taken any responsibility for the situation, despite the fact they have no plausible explanation for the missing signature card or the discovery of the safe deposit box lock in my box. The safe deposit box contained valuables and heirlooms belonging to my family. We want our items returned! 
",,Consent provided,Web,2015-07-29,Closed with explanation,Yes,Yes,CR1492904,1789
2015-07-29,Bank account or service,Checking account,"Account opening, closing, or management",,"In XXXX of this year I tried to close a BofA checking account I had while in Texas. Before I could transfer all of some auto payments to new bank the BofA checking account went negative. I tried to transfer money from new bank to old to cover shortfall and close the account. The new bank had not released funds yet and the transfer XXXX {$100.00} XXXX was reversed. I have been trying to transfer money into the account to close it. But when logging online they say the account is locked. ( see attachment ). I have talked, in chat and phone, endlessly with support people who say that it is not locked. ( see attached. ) I have been going over this with this bank for XXXX months. 
",,Consent provided,Web,2015-07-29,Closed with explanation,Yes,No,CR1493371,13539
2015-07-29,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX XXXX, 2015 I in good faith opened up a Eagle National Bank account and deposited a check from XXXX XXXX for {$1.00}, XXXX. I received a check from XXXX XXXX for damages to my refrigerator through a XXXX XXXX warranty account. Once I found out that the check was returned I notified XXXX and was told another check would be reissued in its place. 
I spoke to a Eagle National Bank representative in customer service and explained the problem and was told that I would be given until XXXX 2015 to clear up the repayment. I am requesting that my name be removed from any negative reporting list. I have paid back the bank in full. 
",,Consent provided,Web,2015-07-29,Closed with explanation,Yes,No,CR1493182,651
2015-07-29,Credit card,,Other,,"CFPB Orders Eagle National Bank To Pay XXXX In Consumer Relief For Illegal Credit Card Practices, based on this settlement, Eagle National Bank did not pay me any refunds, I had XXXX credit cards with them, XXXX opened on XX/XX/XXXX till last month and another XXXX opened XX/XX/XXXX, I think. 
",,Consent provided,Web,2015-07-29,Closed with explanation,Yes,Yes,CR1493391,758
2015-07-29,Credit card,,Other fee,,"I am being assessed a foreign transaction fee at Eagle National Bank for the privilege of paying a bill to a company that is based in the XXXX but where the money is being paid to an account here in the United States. Whom do we talk to about protesting this fee? 
",,Consent provided,Web,2015-07-29,Closed with monetary relief,Yes,No,CR1492682,4452
2015-07-29,Credit card,,Credit determination,,,,Consent not provided,Web,2015-07-29,Closed with explanation,Yes,Yes,CR1491847,1280
2015-07-29,Credit card,,Customer service / Customer relations,,,Older American,Consent not provided,Web,2015-07-29,Closed with explanation,Yes,Yes,CR1493571,1675
2015-07-29,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-07-29,Closed with explanation,Yes,No,CR1493464,2131
2015-07-29,Bank account or service,(CD) Certificate of deposit,"Making/receiving payments, sending money",,,,Other,Web,2015-07-29,Closed with explanation,Yes,No,CR1491900,2293
2015-07-28,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank ( BofA ) stole money from my account and refuse to refund the entire amount. Long story short, BofA assessed overdraft fees on my account, but my account did not reach a negative balance. I have attached screenshots evidencing that the account did not reach a negative balance. I called the customer service dept and they did refund XXXX of the overdraft charges, but refused to refund both. At the end of the day, I will no longer be utilizing this account and have changed my direct deposit to another bank, but wanted to make sure others are aware of the fraud occurring at this bank. ( and this is not the first time this has occurred ) 
",,Consent provided,Web,2015-07-28,Closed with monetary relief,Yes,No,CR1489930,1170
2015-07-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Complaint about use of excessive exchange rate for international wire transfer!! 
This is regarding a wire transfer to a ( my ) international ( XXXX ) bank account. In addition to a fee of US {$35.00}, EN uses an exchange rate US Dollar/XXXX of XXXX, which appears excessive given the actual traded exchange rate of about XXXX. 
Info of wire transfer is as follows : Transfer Date : XX/XX/2015Confirmation number : XXXXOrder number : XXXXFrom : Adv Tiered Interest Chkg - XXXX : XXXX : ( XXXX XXXX XXXX ) Transfer Amount : XXXX XXXX. 

Thank you!! 
",,Consent provided,Web,2015-07-28,Closed with monetary relief,Yes,No,CR1489797,4458
2015-07-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I was in search of information about EN 's Privacy Assist ( I have been a customer of this service for quite a few years ) when I saw that in XXXX, there had been a judgment against them by CFPB and that they had n't been providing the monitoring that they were promoting. I never received any notification of this, nor did I receive any settlement. I continue to be billed $ XXXX for "" XXXX XXXX XXXX '' thinking this is protecting my credit. My online statements reveal that this dates back to at least XX/XX/XXXX, and probably further, if I can get paper statements. Can you advise if I should have discontinued this service, or should have received some sort of notification/settlement from EN? I am disturbed to have never been apprised of this, despite keeping up to date on the news, including financial news! 
",Older American,Consent provided,Web,2015-07-29,Closed with explanation,Yes,No,CR1489988,4066
2015-07-28,Bank account or service,Checking account,"Account opening, closing, or management",,"Roughly XXXX years ago I held accounts with Eagle National Bank. After having recurring issues with the account, the account was closed and eventually charged off. I paid EN all monies owed XXXX {$170.00} XXXX, and have obtained receipt of payment. I recently went to open a bank account at another institution, and everywhere I go I am told that I am unable to open a new account of any kind due to a Eagle National Bank account that was satisfied. When I went to EN to enquire about this, they said informed me that it was nothing they could do, and that this matter is in the hands of XXXX. After contacting XXXX, I was told that EN reported me for suspected fraud. I later learned that XXXX is an entity jointly owned by EN and other major banks. I have never been fraudulent in my dealings with my accounts, and was never notified of such suspicion or allegation from Eagle National Bank. It is my understanding that bank records remain on XXXX for up to XXXX years ; however, with this XXXX situation it appears I can be restricted from opening bank accounts for another XXXX YEARS?! After repeated conversations with Eagle National Bank, as well as having PAID IN FULL the debt owed, it appears I am being blacklisted from banking elsewhere, even though I OWE NOTHING to them. I AM BEYOND FRUSTRATION!!! 
",,Consent provided,Web,2015-07-28,Closed with non-monetary relief,Yes,No,CR1490292,7102
2015-07-28,Credit card,,Other,,"I had a credit card issued to me from Eagle National Bank. My financial difficulties started when I lost my job and the card was closed. Sometime after while I was on military active duty status - they attempted to contact me. I was not able to respond to their correspondences and the debt was placed on my credit report as a "" public record ''. I called the bank to find out if they would take a settlement offer so that the offensive unpaid public record could be changed to paid/settled. The representative XXXX responded that they were not able to collect from me as a XXXX for {$3400.00} was issued to the IRS by EN in 2011and neither can they remove nor change the balance of {$4000.00} from my credit - a letter was never sent to me advising me of this. Per the IRS website the company should instruct the credit bureaus to remove the debt as a XXXX is a debt cancellation which is reflected as a earning for the debtor and any applicable taxes will be charged. In addition to that, I believe the bank receives a tax write off for these debts. 
",Servicemember,Consent provided,Web,2015-07-28,Closed with non-monetary relief,Yes,No,CR1491485,2549
2015-07-28,Credit card,,Billing statement,,"I have an XXXX XXXX credit card which I make payments through Eagle National Bank. On Eagle National Bank 's website, they provide the options for customers to make their monthly payments via E-Bill. When setting up my E-Bill, I was presented with XXXX options : Pay the minimum balance, pay Amount Due, pay the Statement Balance, and Other. I selected pay Amount Due and after the XXXX payment was due, I checked my account only to be surprised that only the minimum balance was paid. When I called Eagle National Bank, I was informed that the 'Pay the minimum balance ' and 'pay Amount Due ' are the same thing ( even though the website provides different descriptions for the two options. Eagle National Bank would earn interest on any individuals who thought they paid the amount due and did not check the amount that was paid. This is manipulative and deceiving. 
",,Consent provided,Web,2015-07-28,Closed with monetary relief,Yes,No,CR1489720,1831
2015-07-28,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2015-07-28,Closed with monetary relief,Yes,No,CR1489696,3738
2015-07-28,Credit card,,Other,,,,Consent not provided,Web,2015-07-28,Closed with explanation,Yes,No,CR1489631,2508
2015-07-28,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2015-07-28,Closed with explanation,Yes,No,CR1490351,1291
2015-07-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-07-28,Closed with non-monetary relief,Yes,No,CR1489780,344
2015-07-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-07-28,Closed with monetary relief,Yes,No,CR1490413,3352
2015-07-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-28,Closed with non-monetary relief,Yes,No,CR1491122,4091
2015-07-27,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank committed misrepresentation, financial fraud, and marketing deception in its early 2015 offer to pay a {$300.00} bonus for opening a new checking account. I opened a new checking account on XXXX XXXX, 2015 and fulfilled all the originally stated offer requirements. I made the XXXX required electronic direct deposits, each of {$2000.00} or more, within XXXX days after opening the new checking account. 

I told Eagle National Bank, BEFORE opening the checking account, the exact type of direct deposits I would be making and the financial institution from which the direct deposits would be coming. Both their telephone customer service supervisor and branch bank employees checked with the Eagle National Bank marketing department and were told that my proposed direct deposits would qualify under the terms of this bonus offer. 

Their offer terms stated, in writing, that the bonus would be paid within XXXX days after meeting the requirements of this marketing offer. However, after XXXX days had passed, their telephone customer service department supervisors stated that their bank had XXXX days to pay the bonus. The physical branch office where I opened the checking account then also changed the requirement to be XXXX days. XXXX their customer service and branch bank representatives said that I had to keep this checking account open with a minimum balance of at least {$1500.00} to receive the bonus and not be charged any monthly fees. 

On XXXX XXXX, 2015, after XXXX days had passed, one of their telephone customer service supervisors told me, for the very first time, that the two electronic direct deposits I made back in XXXX, 2015 did not qualify as the "" correct type '' of electronic direct deposits. However, there was no requirement in the original offer that the transferring financial institution had to code the electronic direct deposits in any particular way. And none of the telephone customer service supervisors or the branch bank manager I talked with was even able to tell me what a "" correct type '' of electronic direct deposit actually consisted of! 

Further, on XXXX XXXX, 2015, one of their telephone customer service supervisors told me, again for the very first time, that they were aware back on XXXX XXXX, 2015, that my first direct deposit was labeled in their system as not being the "" correct type '' of direct deposit to qualify for the bonus! But no one ever told me this, on the phone or in writing, during the following XXXX months. They only told me I had to keep the account open, with a minimum balance of at least {$1500.00}, to receive the bonus and not pay any fees. During the entire XXXX month time period I had this account open, Eagle National Bank paid me no interest or bonus money whatsoever. 

In short, Eagle National Bank perpetrated a scheme of misrepresentation and fraud to obtain new accounts and new deposits into its bank on which it paid no interest. It did this by creating additional, unrevealed, hidden requirements that the customer never knew they had to meet. Further, the bank never contacted me, the customer, in any way to notify me that I did not qualify for the {$300.00} bonus. I was the initiator of all the bonus payment status inquiries during this 6-month period. 

I am requesting that ( 1 ) Eagle National Bank pay me the {$300.00} bonus, which I did fully qualify for based on the bonus offer terms they actually disclosed to the public, and ( 2 ) the Consumer Financial Protection Bureau investigate Eagle National Bank 's many marketing promotions for all instances of misrepresentation, fraud, and marketing deception, and prosecute all violations of federal and state regulations and laws. 
",Older American,Consent provided,Web,2015-07-27,Closed with monetary relief,Yes,No,CR1488333,2629
2015-07-27,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank shows on my recent statements from the last couple of months that there has been atm withdraws on my checking account. Informed the bank several times about this issue and asked for my atm pin number to change. Tryed and get this resolved with the compnay but it has been denied every time. The transactions was also done while I was at work and sometimes several times a week. Filed a police report but the officer was n't able to get the footage form the bank. The bank looked into the cameras and found no evidence on the time frame on what my bank account shows. I informed the bank that I have never been to an atm to withdraw over XXXX at a time when I have bills to pay of my own. I have lost over XXXX with in the last few months. XXXX dispute was XXXX dollars and the other disute was almost XXXX dollars. Still nothing is going on and they informed me that the atm pin was used without an inguire made. I asked to switch atm and atm pins number of times and was also informed that I never called in at the time that I saw this going on. Hoping I will receive all of my money that I have lost in the last few months and I have already switched to different bank account. 
",,Consent provided,Web,2015-07-27,Closed with explanation,Yes,Yes,CR1489185,3547
2015-07-27,Bank account or service,Checking account,Deposits and withdrawals,,"Hello, First of all thanks a lot for having a forum that listens to the customer voice against big banks whose main motive is to make insane amount of money on taxpayers bailout. 
I am writing this complaint against Eagle National Bank who have defrauded me to the tune of {$700.00}. I deposited a check in XXXX XXXX from my dad 's XXXX bank account. After a month passed i noticed that the check never cleared. I did n't get any notification from EN and when i inquired they mentioned that the check did n't clear because the signature did n't match. I looked at my statements and i noticed that they initially cleared the check and gave me the money that i never withdrew ( because i was told its an international check so wait ) but then they took the money away {$700.00} more than they deposited. I was really shocked to see that how can that happen. The check was not mine, it never cleared, it was not my fault and then they charged me {$700.00}. I have been going door to door but EN does n't care because i am not their multi XXXX dollar corporate client. Please help! 
Here are the detailsThey gave {$7200.00} that i was told to note take out and then took away {$7900.00} - {$610.00} for a check that was not mine or not my fault at all. 
",,Consent provided,Web,2015-07-27,Closed with monetary relief,Yes,No,CR1488925,2107
2015-07-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"We acquired a mortgage on a double wide trailer and XXXX acres of land. I was deemed permanent property, but Eagle National Bank still put a separate electronic lien on the double wide. The entire loan ( mortgage ) was paid off in XXXX of 2014. We have contacted Eagle National Bank, XXXX Bank, Our local DMV, XXXX multiple times, have all the paperwork and Eagle National Bank still has not release the lien. According to XXXX they are the only ones that can release the electronic lien since they are the ones that established it. Also apparently we are not the only people they have done this do according to our local bankers. 
",,Consent provided,Web,2015-07-27,Closed with non-monetary relief,Yes,No,CR1487924,2889
2015-07-27,Bank account or service,Savings account,Deposits and withdrawals,,"I have a savings acct with Eagle National Bank since last year my average balance has been XXXXOn XX/XX/XXXX I went to the drive up part and withdrew {$480.00} from my savings accountOn XXXX XXXX th I received letter from XXXX stating my accounts were being leviedI have received three letters from EN saying I owe them the {$480.00} because they sent {$480.00} to XXXX 
",Older American,Consent provided,Web,2015-07-28,Closed with explanation,Yes,No,CR1488561,2403
2015-07-27,Credit card,,Balance transfer,,,,Consent not provided,Web,2015-07-27,Closed with explanation,Yes,Yes,CR1488191,4274
2015-07-27,Credit card,,Transaction issue,,,,Consent not provided,Web,2015-07-27,Closed with explanation,Yes,Yes,CR1488058,889
2015-07-26,Credit card,,APR or interest rate,,"Eagle National Bank incorrectly applied my payment to a credit card account. There were XXXX payments made in a billing cycle XXXX 2015. The XXXX payment of {$300.00} was made XXXX XXXX, 2015 and correctly applied towards the monthly minimum payment of {$81.00} and the lowest APR balance. This balance of {$7200.00} was subject to 0 % APR and represented the entire amount of debt on the account at the time. The XXXX payment was made on XXXX XXXX, 2015 for {$1300.00}. This entire amount of the XXXX payment should have been applied towards {$1500.00} of purchases posted between XXXX XXXX and XXXX XXXX, 2015. Unfortunately, Eagle National Bank applied the payment incorrectly splitting the amount between the lower and higher interest rate. This resulted in an interest rate charge of {$9.00} against a balance of {$640.00} for purchases subject to the higher interest rate. If the payment was applied correctly, the balance subject to the higher rate should have been {$220.00}. I contacted Eagle National Bank to resolve and they claim they applied the amount towards the lowest APR in accordance with Federal Law. This is NOT what the law prescribes. That only applies to the minimum payment amount and any amount above that must be applied towards the highest balance. 
I request you assistance on XXXX matters : 1 ) assist in getting the Eagle National Bank to correctly apply the XXXX payment to reduce the balance subject to higher APR as this effects the next months bill and 2 ) assist in getting Band of America to refund the incorrectly charged interest. 
",,Consent provided,Web,2015-07-26,Closed with explanation,Yes,Yes,CR1487378,3899
2015-07-26,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-26,Closed with explanation,Yes,No,CR1487189,2271
2015-07-25,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I doubt this will ever be resolved in my favor, but I 'm willing to explore all possibilities. And if nothing else, maybe my story can warn other consumers who are about to go on California state XXXX. 

Eagle National Bank debit cards are used by California 's XXXX Department in place of XXXX checks : the state sends pre-loaded debit cards to workers out on XXXX leave. I was one of those workers receiving a XXXX benefit after XXXX last year. After my leave was finished and I returned to full-time employment, I was unhappy to learn that my card number had been used by someone other than me and that my card had a zero balance. The number had been used on several occasions, some of which occurred when I was at my office, and there were charges of close to {$500.00} at several XXXX locations within the space of XXXX hours on opposite ends of XXXX XXXX County. These took place on a Sunday when I was at home. 

As the card had never been out of my possession, it was obvious this was a case of fraud. But proving that to B of A has been impossible. I immediately contacted California XXXX, I filed a report with B of A 's Fraud Department, as well as one with the XXXX XXXX County sheriff 's department, and I also contacted each store 's security team. The security staff at one XXXX location, where many of the purchases were made, let me know that they reviewed the recorded footage where the transactions were supposed to have occurred. The register was n't in use at that time. Quite literally, no one was there. While the staff was baffled and concerned, there was nothing they could do. 

Of course, the state of California will not re-imburse me for the stolen "" cash. '' B of A insists that these purchases at XXXX were "" valid transactions. '' The people with whom I spoke in the bank 's Fraud Dept. told me they hear these stories frequently, and that there was nothing they could do. 

I am SURE I am not the only person on XXXX who has experienced this. There must be hundreds of people being victimized like this at any XXXX time. Obviously this system does n't work real well! But here 's the thing : {$500.00} is not going to break me. But for some older, unwell person who is depending on that money, {$500.00} could mean the difference between eating and starving, or living under a roof as opposed to living in one 's vehicle. 

Friends and co-workers who have been on state XXXX tell me the only way to beat the crooks is to withdraw every cent on that debit card the moment it is issued. I now understand this, but I am appalled that the state of California, knowing that this is flawed system, continues to utilize it. In no way does this practice help the people who are supposed to be getting benefits. And shame on B of A for refusing to help a consumer who has gone out of her way over the course of several weeks to gather evidence, file reports and do all the legwork. This lax attitude is the reason this bank is now on my list of institutions with whom I 'll never do business. 
",,Consent provided,Web,2015-07-25,Closed with explanation,Yes,Yes,CR1486963,4473
2015-07-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,"My dad passed away XXXX XXXX, 2015. When the death certificate arrived in early XXXX, I took a copy of it and my dad 's trust to the Eagle National Bank branch in XXXX XXXX XXXX, XXXX where he banked, to start the process of obtaining the funds in his IRA. They made copies of the docs, told me that everything is handled by the Enterprise Estate Unit ( EEU ), gave me the phone # of the EEU, & said I should be hearing from them in a couple of weeks, that the EEU would send me a copy of the Beneficiary Election Distribution ( BDE ) form for me to designate how I wanted to receive the funds. If I did n't hear from them in a few weeks I should call them. On XXXX XXXX I had not heard anything so I called the EEU and spoke to XXXX XXXX. She looked up my dad 's account # and said they did not have any of the docs.She was very helpful and called the branch for me and found out the branch had never forwarded the docs and had purged their files at the end of the month, so I had to go back down to the branch and do it all again. This time I asked to see the Assistant Manager, XXXX, who was very helpful, she scanned in the docs again and said she would escalate the case. She told me when I received the BDE form from the EEU I could bring it into the branch and they would scan it in for me. On XXXX XXXX I had not received anything from EEU so I called them and was told a letter went out XXXX XXXX requesting more info. She said she could n't tell me what kind of info. the letter requested, only that it went out. On XXXX I still had n't received anything so I called EEU again. This time I was transferred to the IRA Department and spoke to XXXX, a Supervisor. He was also very helpful, but told me they were waiting for me to send in the completed BDE form, that they do not send out the BDE forms, that they are available either in the branch or online. He kindly guided me to the website where I found the BDE form online. By this time I had returned to XXXX where I live so I mailed the completed BDE form, rather than taking it into the branch to be scanned in on XXXX XXXX, 2015. On XXXX XXXX I had still not received any correspondence so I called the EEU again and was transferred to the Retirement Help Desk and spoke with XXXX. He said his records showed all docs had been received, and he did n't know why I had n't received the funds yet, but he would put in a work order to expedite the case. On XXXX XXXX I received a letter from B of A addressed to my dad dated XXXX XXXX asking him to designate a primary beneficiary. I also received a letter from B of A addressed to me dated XXXX XXXX that B of A had received notice of my dad 's passing, that I was the designated beneficiary, and that I needed to fill out the enclosed BDE form. On XXXX XXXX I called the IRA Help Desk, spoke to XXXX again, and was told the BDE form I sent in on XXXX XXXX had never been received. He did not mention this to me on XXXX XXXX. He was helpful and gave me his fax # and extension. Although every individual I have spoken to has been courteous and helpful, the entire system is broken. It should not take XXXX months to receive funds from my deceased dad 's IRA. B of A has lost my documents XXXX, and given me erroneous info. time after time. I do n't know if they are incompetent, or are stalling on purpose to keep the funds in the bank longer. 
",,Consent provided,Web,2015-07-25,Closed with monetary relief,Yes,Yes,CR1486771,3785
2015-07-25,Credit card,,APR or interest rate,,"On statement XXXX XXXX - XXXX XXXX, 2015 with a balance of {$8500.00} and Total Minimum Payment Due of {$150.00} a payment was made on XXXX XXXX, 2015 in the amount of {$7000.00}. With an outstanding Balance of {$3800.00} at 14.99 % APR and an additional outstanding Balance of {$4700.00} at 5.24 % payment in excess of the Total Minimum Payment Due was not properly applied to balances with higher APRs before balances with lower APRs. 

With this {$7000.00} payment, per Federal Law and per Eagle National Bank written policy I should not have any balance remaining on the 14.99 % APR. 

As of XXXX XXXX, 2015 ( statement XXXX XXXX - XXXX XXXX, 2015 ) there is still an outstanding balance subject to the 14.99 % APR. This is not correct, with a payment of {$7000.00} on XXXX XXXX, 2015 ; the entirety of the outstanding balance at 14.99 % should have been {$0.00}. Instead, Eagle National Bank allocated the excess to the smaller APR of 5.24 %. 

Per the Credit CARD Act of 2009 SEC. 104. APPLICATION OF CARD PAYMENTS. Section 164 of the Truth in Lending Act ( 15 U.S.C. 1666c ) is amended -- ( b ) APPLICATION OF PAYMENTS. -- '' ( 1 ) IN GENERAL. -- Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. "" Per Eagle National Bank BankAmericard HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs. 
",,Consent provided,Web,2015-07-28,Closed with monetary relief,Yes,No,CR1486976,2720
2015-07-25,Credit card,,Late fee,,,,Consent not provided,Web,2015-07-25,Closed with explanation,Yes,No,CR1486882,3035
2015-07-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-07-25,Closed with monetary relief,Yes,No,CR1486865,824
2015-07-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-07-25,Closed with explanation,Yes,No,CR1486959,1082
2015-07-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-25,Closed with explanation,Yes,No,CR1486933,11574
2015-07-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Hello CFPB, I am writing to you today regarding my Checking Acct # XXXX with Eagle National Bank.The purpose of this letter is to see if you would kindly to help me to remove the hard notice on my name, where is the reporting of my SSN to XXXX ( XXXX ) and XXXX. 
During the time period this account in 2011, I was in XXXX, XXXX and I had returned XXXX checks from my account at XXXX XXXX in XXXX, where I was a XXXX XXXX at XXXX XXXX. Unfortunately, my money was delayed from the US department of State resulted in suspected fraud activities over my Eagle National Bank account. I was not purposely violating the Eagle National Bank regulations. I became aware of the unpaid balance when I got a copy of a XXXX report in of unpaid balance. So, I acted right away and I paid the balance of {$74.00}. under Cashier 's check No XXXX. I am hoping you might review the circumstances under which this occurred and consider removing the negative hard line associated with my name, and give me the chance to restore my relation with Eagle National Bank, especially, I just arrived as a XXXX and I am building my new career of XXXX in the US. 
Your kind consideration in this matter is greatly appreciated. 
",,Consent provided,Web,2015-07-24,Closed with explanation,Yes,No,CR1484793,4708
2015-07-24,Bank account or service,Checking account,"Account opening, closing, or management",,"I had a third party write me a check that bounced. Because of immediate availability of funds, I used some of the money. Eagle National Bank then closed my account and reported me to XXXX XXXX XXXX after banking with them for XXXX years. I have never once received any communication about the account, and bankers there can not even tell me what I owe or where to send money to pay off the account. Now XXXX XXXX is closing my relationship there as well because of this report. I have perfect credit and have worked in the XXXX. I am in shock that an institution can have so little communication with a long term client, let alone XXXX mega-institutions. 
",,Consent provided,Web,2015-07-24,Closed with explanation,Yes,No,CR1484816,513
2015-07-24,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX 2014 certain person or persons unknown were granted access to the personal bank account of my deceased father XXXX XXXX through the presentation of a Small Estate Affidavit and on XXXX XXXX 2014 recieved a check in the amount of {$38000.00}. Though I am listed as the XXXX XXXX Executor on the Will and was listed as an equal heir to my siblings, I have not received any benefits from this bank account. I was told by Eagle National Bank that I had no right to know who recieved these funds. 
",,Consent provided,Web,2015-07-24,Closed with non-monetary relief,Yes,Yes,CR1485484,1022
2015-07-24,Bank account or service,Checking account,Using a debit or ATM card,,"There was an erroneous charge on my Eagle National Bank account ( amount charged was {$190.00} and should have been {$1.00} for a rental agency who did n't deliver what was promised ). I went in to EN to dispute the charge and was told once the dispute was resolve in my favor, I would receive all of my OD fees it caused due to the erroneous charge. I told them that until it was solved, I would not place another dollar in the account. It took them 4 months to resolve ( in my favor ) and they have since closed my account and are not awarding me the fees that were promised to me by the members of Eagle National Bank. They have stated that I can not open another account with them. It took them well outside the timeframe to resolve my chargeback dispute and I also did n't receive the correct fees. I was informed by the manager that Eagle National Bank had dropped the ball but because my account was now closed, there was nothing that could be done. I am also looking for an attorney and contacting XXXX as well in regards to these shady practices. 
",,Consent provided,Web,2015-07-24,Closed with monetary relief,Yes,No,CR1485719,2736
2015-07-24,Credit card,,Unsolicited issuance of credit card,,,,Consent not provided,Web,2015-07-24,Closed with non-monetary relief,Yes,No,CR1486077,11121
2015-07-24,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-07-24,Closed with explanation,Yes,No,CR1485473,3647
2015-07-24,Credit card,,Other,,,,Consent not provided,Web,2015-07-24,Closed with explanation,Yes,Yes,CR1486310,680
2015-07-24,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-07-24,Closed with monetary relief,Yes,No,CR1485561,4704
2015-07-24,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-07-24,Closed with explanation,Yes,Yes,CR1484944,5928
2015-07-24,Bank account or service,Savings account,Deposits and withdrawals,,,,Consent not provided,Web,2015-07-24,Closed with explanation,Yes,Yes,CR1485212,2969
2015-07-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I 've been trying to get a modification since XX/XX/XXXX through Eagle National Bank. Excuses after excuses and I know that I 'm qualified. This last attempt to modify my mortgage their answer was "" We ca n't Identify you with the mortgage ''. What does that mean, I asked and they had no answer for it. I have tried over and over again and I think they just want to take my home and I 'm going to fight for my home of XXXX years. I 'm recovering from a house fire in XX/XX/XXXX and was out of my home for XXXX months only to come back and Banks of America says the want me out. Loan # XXXX XXXX XXXX XXXX see do n't this verify me with the property at XXXX , Kansas XXXX. Please help me keep my home! Help me fight Eagle National Bank. Thanks in Advance. 
",,Consent provided,Web,2015-07-23,Closed with explanation,Yes,No,CR1483990,2516
2015-07-23,Bank account or service,Checking account,Deposits and withdrawals,,"I received and deposited an out of state check in the amount of {$1700.00}. This check was deposited on Wednesday and when i checked my account on line Thursday the account showed {$2000.00} funds available. It did not say {$2100.00} deposited and {$360.00} available. This was a fraudulent check that I had received unknowingly, the scam artist then requested the funds be returned through XXXX XXXX, Which I did. Then 2 days later the Bank notified me that I was over drawn by {$1400.00}. My complaint is that the bank would not let me withdraw cash from the teller, atm or use my card in excess of the {$300.00} but they allowed a wire transfer for {$1700.00}. I have tried everything to work out a solution with the bank but every dept says the bank will help and then refer me to the fraud dept. The fraud dept continues to hang up and offer no help. They even hung up the phone on me while i was on speaker phone at the local branch. 
",,Consent provided,Web,2015-07-23,Closed with explanation,Yes,No,CR1483362,3463
2015-07-23,Bank account or service,Checking account,"Account opening, closing, or management",,"In 2014 while in college, my bank account was compromised and an unauthorized check was deposited to my account as well as my debt card stolen. When it was brought to my attention, I immediately went to the bank location for assistance. I was told there was nothing they could do for me. When I returned home to Texas, I again went to the bank for assistance to no avail. My signature does not match this fraudulent deposit. I did not receive any monies from this deposit nor was my account ever overdrawn due to this unauthorized deposit. I have spoken with over XXXX people in several departments and no one can figure how to resolve. Only after attempting to open an account at another institution was it revealed to me that Eagle National Bank reported the account to XXXX. I am accused of "" suspected fraud ''. Again, I did not defraud Eagle National Bank nor do I owe or have owed Eagle National Bank for insufficient funds. I do pray that this complaint filed herewith will provide me relief and resolution of the matter by removing this negative information from XXXX. 
",,Consent provided,Web,2015-07-23,Closed with explanation,Yes,No,CR1483007,4136
2015-07-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My complaint is against Eagle National Bank Merchant Account Services. I received a call from their representative ( XXXX ) this afternoon regarding my newly established merchant account. XXXX called from XXXX. I was advised that my merchant account was flagged because of the type of services that I/my business offer. XXXX advised me that I am an unqualified/high risk business and that my account is under review. 
I advised XXXX that I was very concerned about his call because of the long standing relationship that I have with Eagle National Bank and had with my former merchant provider. I have banked with Eagle National Bank for XXXX years and was often solicited by numerous representatives both at my office and in their branches. So I did n't understand how Eagle National Bank could first offer me a merchant account, approve the account, send the equipment, allow my business to process credit and debit card fees only to then contact me less than XXXX days later to inform me that my merchant account with them could potentially be closed. 
During the completion of the merchant account application with the Eagle National Bank representative on XXXX XXXX 2015 I detailed my long standing relationship, my account history and revisited all the services that were offered to my business over the years as well as the visits to my office that Eagle National Bank representatives made to offer my staff checking account services and other additional services to me. 
After terminating my eight year relationship with another merchant services provider to accept the offer from Eagle National Bank, it is unclear to me how Eagle National Bank could have approved me for a XXXX year lease of the equipment and the account only to be told XXXX days afterwards that my account could potentially be terminated for no wrongdoing on my part. 
I am confused as to why Eagle National Bank marketed services/products to me with intimate knowledge of my personal accounts, business accounts and business model ; then processed and completed a XXXX hour interview/application ; for the application to take the bank more than XXXX days to process ( time for which I am sure they used to complete their due diligence and to qualify me and my business ) ; then to approve me but to call less than XXXX days later and tell me that my business is now high risk/unqualified! 
The termination of my merchant account with Eagle National Bank would cause an enormous financial hardship on my small business and should not be something that I should have to endure. Furthermore the processing of my application has impacted my personal credit profile and could affect my ability to acquire a new merchant account in the future. 
With that said I hope to keep this Eagle National Bank merchant account to circumvent any unnecessary financial hardship to my life and to my business. 
",,Consent provided,Web,2015-07-24,Closed with explanation,Yes,Yes,CR1486369,3256
2015-07-23,Bank account or service,Other bank product/service,Deposits and withdrawals,,"on XXXX XXXX, 2015 I was charged several transactions from XXXX XXXX transactions in the following amountsXXXX. {$20.00}. {$100.00}. {$54.00}. {$120.00}. {$56.00}. $ XXXXtotal amount of {$390.00}. I attempted to contact XXXX through customer service and email I received the same resonse several times stating to look over my XXXX purchase history which I had already done and determined that the charges were not mine nor were they authorized after serveral unseccessful attempts I contacted my bank Eagle National Bank. I filed a dispute. I cancelled my debit card that was linked to my itunes account to prevent this from happening again. Today XXXX XXXX, 2015 I checked my account again to pay bills and once again I have XXXX new XXXX charges all for in the amount of {$100.00} totaling {$430.00}. In the past week XXXX has charged my account in the amount of {$820.00} in unathorized charges. I need this amount refunded asap to my account and for these charges to stop now. 
",,Consent provided,Web,2015-07-29,Closed with monetary relief,Yes,No,CR1484255,4185
2015-07-23,Credit card,,Cash advance fee,,"In XXXX of 2014, I attempted to complete a balance transfer from my Eagle National Bank card to a different card with a lower interest rate. The transfer for some reason did n't go through and the {$2500.00} credit card balance was returned immediately back to Eagle National Bank. What I did n't realize until now, is that they converted that {$2500.00} credit card balance to a cash advance balance, which has a much higher interest rate. It was never a cash advance, it was a failed attempt at a balance transfer. I 've been paying an extra 4 % interest on that XXXX for a year and it has been expensive. Also, my payments are not going entirely for paying off the highest interest part of the card, they are being applied equally to both the credit balance and the "" Cash advance '' balance instead of directly to the highest balance part of the card. If they would have applied my payments over the last year to the correct balance, it would be paid off by now. When I called them to ask for a resolution, the XXXX from Eagle National Bank just kept interrupting me and saying "" it 's a cash advance, it 's a cash transaction '' again and again, when she had already said "" your credit balance that you tried to transfer was immediately returned to us. '' She admitted it was a credit balance that was immediately returned, but refused to honor the credit balance interest rate. 

Please help me fight these evil people. 
",,Consent provided,Web,2015-07-23,Closed with explanation,Yes,Yes,CR1484075,13690
2015-07-23,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-07-23,Closed with non-monetary relief,Yes,No,CR1484081,3819
2015-07-23,Credit card,,Late fee,,,,Consent not provided,Web,2015-07-23,Closed with explanation,Yes,No,CR1484056,2189
2015-07-23,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-07-23,Closed with monetary relief,Yes,No,CR1482829,683
2015-07-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-07-23,Closed with monetary relief,Yes,No,CR1483181,3908
2015-07-23,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-07-23,Closed with explanation,Yes,Yes,CR1484331,4742
2015-07-22,Bank account or service,Checking account,Problems caused by my funds being low,,"During the months of XXXX, I was struggling financially as I was transitioning between jobs with some time inbetween. In addition, my significant other who lives with me was out of work. In the days between XXXX XXXX and XXXX, Eagle National Bank has charged me over {$200.00} in fees which they refuse to waive. Many are overdraft fees for which funds were added less than XXXX hours after I received the notice. These fees are excessive and I can not afford them especially while I 'm in between jobs. 
",,Consent provided,Web,2015-07-22,Closed with monetary relief,Yes,No,CR1481316,5395
2015-07-22,Bank account or service,Checking account,"Account opening, closing, or management",,"I was incorrectly assessed a {$14.00} fee by Eagle National Bank at the end of XXXX. I needed to call them up and spend a long time talking with them to get them to finally reverse the fee. Then at the end of XXXX I had the same {$14.00} fee taken from my account. This time I tried to correct the issue using their chat feature on their website, but they told me that the type of account I had with them ( Regular Checking ) did n't exist anymore. Finally after I failed with the chat feature after over an hour, I had to call a manager who was able to reverse the fee but still could n't explain what happened. I opened a case with the XXXX, but was never contacted back. To me I suspect that BofA is committing this fraud with a lot of their customers hoping that the customers do n't check their statement close enough. 
",,Consent provided,Web,2015-07-22,Closed with monetary relief,Yes,Yes,CR1481036,2974
2015-07-22,Bank account or service,Checking account,Using a debit or ATM card,,"my wallet was stolen back in 2009 .this was during high school. someone put a fake check into my account. 
I told the bank I did n't know anything about this situation until a copy of the check came in the mail. the point of this complaint is to get to the bottom of this situation and to clear my name. my name is XXXX XXXX XXXX and my phone number is XXXX, my ss # is XXXX 
",,Consent provided,Web,2015-07-22,Closed with non-monetary relief,Yes,No,CR1481218,4220
2015-07-22,Bank account or service,Checking account,Problems caused by my funds being low,,"ON XXXX XXXX Eagle National Bank 's collection and recover dept. illegally try to fund an account of mine that was over drawn .... they issued a claim on a transaction I did XXXX XXXX, the claim was initiated by the collection and recover dept.., because my main checking account was over drawn XXXX dollars for XXXX daysThey wanted to bring it balance above XXXX, so they founds XXXX payment I made to XXXX XXXX bank on XXXX XXXX 2015 and claimed that I did not authorize that charge to XXXX XXXX bank XXXX which was a lie and a false hood ) I did authorize that transaction and never gave the bank permission to initiate a claim on my behalf!! 
It was done fraudulently and without my permission!! The claims dept. initiated an arbitration letter to XXXX bank and XXXX bank sent the XXXX back to Eagle National Bank XXXX 
I caught the fraud when I received a call from XXXX XXXX bank, they stated I was XXXX over limit!!! 
I made several calls to Eagle National Bank and XXXX bank after several threats of litigation and they final sent back the money to XXXX bank XX/XX/XXXX XXXX I believe my right were violated and I want an investigation done, I also obtained a lawyer to file suit against the Eagle National Bank for damages .. I would like the parties involve prosecuted to the full extent of the law and the bank responsible for these crimesI XXXX XXXX 
",,Consent provided,Web,2015-07-22,Closed with explanation,Yes,No,CR1481938,5337
2015-07-22,Credit card,,Billing disputes,,"I have a credit card with Eagle National Bank and have been a customer for years and have paid my credit card bills on time every month. This past month I made a mistake and the internet system automatically put the payment for the lowest possible amount ( when I had programmed the full amount ) - I do n't know why the amount was changed. I have paid the full amount and the Bank insists on charging me late fees, etc. They then said I had to contact them by phone - I am out of the country and calling is difficult for me. 
",,Consent provided,Web,2015-07-22,Closed with explanation,Yes,No,CR1481055,267
2015-07-22,Credit card,,Closing/Cancelling account,,"In XX/XX/XXXX I closed my credit card account with Eagle National Bank. About two months later they processed a "" recurring charge '' and sent me a bill, which I paid promptly. On XX/XX/XXXX, I sent them a letter which stated : "" I DO NOT AUTHORIZE Eagle National Bank TO ACCEPT ANY NEW CHARGES ON THIS CLOSED ACCOUNT '' and "" I would like written verification from you that this account is closed and that no additional charges will be accepted. "" On XX/XX/XXXX, they processed yet another charge for AAA membership renewal. AAA had notified me that the card on file -- the BofA card -- had expired. However, B of A processed the charge, billed me, thereby ignoring my withdrawal of authorization. I spoke to XXXX people at B of A and was repeatedly told that they could not block future charges, as I had requested. I also requested a letter promising to block the account and to remove me from their data base. The person said, "" I 'm not authorized to do that. '' 
",,Consent provided,Web,2015-07-22,Closed with explanation,Yes,No,CR1482027,1455
2015-07-22,Credit card,,Identity theft / Fraud / Embezzlement,,"two credit card companies have the wrong info and reporting credit against me. i have tried to have them correct the problem. sent certified letters asking for the social security number to be corrected and nothing happens 
",,Consent provided,Web,2015-07-22,Closed with non-monetary relief,Yes,No,CR1480613,2020
2015-07-22,Bank account or service,Checking account,"Account opening, closing, or management",,"I have not been able to access any of my money currently being held in Eagle National Bank without explanation. This pertains to both my checking and savings account. I have attempted to fix this problem at the branch and by calling their customer service but both have been unhelpful. It has been over a month since I have been able to access my money and since then I have been unable to pay my rent, buy food, or fill my prescriptions. 
",,Consent provided,Web,2015-07-22,Closed with explanation,Yes,Yes,CR1481018,3819
2015-07-22,Credit card,,Closing/Cancelling account,,"I have deliberately overpaid my Target Red credit card, which resulted in positive credit balance, in order to increase the purchasing limit on my Target credit card. But when I tried to use my card, Target suspended it and did not allow me to use their card to make purchases, nor did they accepted to close the account and refund the credit balance. 

I contacted Target to resolve the matter, but Target kept stalling and delaying for unreasonably long period of time. First they requested that I fax them XXXX documents to "" verify my identity '', which I complied with by sending them the documents more than once as Target claimed they "" did not receive '' my fax. Finally, Target admitted that they did receive the documents to verify my identity. 

But even after verifying my identity, Target refused to release the funds to me ( by letting me use the card, or by refunding me the balance on my credit card ). This time, Target demanded to verify the source of funds that I used to overpay my credit card, so I explained to them that the source was prepaid XXXX debit cards, which I used in their own store to pay my target credit card, and therefore they have the detailed record of the source using their own system, but Target still refused to release the credit balance with the pretext that they "" need to investigate the source of the funds '', and they refused to give me a date for when their investigation will be competed. 

Already one whole month has gone by for this investigation and the investigation does not seem to be going anywhere, and to me it seems Target wants to keep this investigation going indefinitely for the sole purpose of stealing my credit balance rather than to actually do any investigation. 
",,Consent provided,Web,2015-07-22,Closed with explanation,Yes,No,CR1481421,4234
2015-07-22,Credit card,,Other fee,,"XXXX fraudulanty charged my Eagle National Bank account for {$20.00} a month without my permission or authorization. I tried to contact the bank several times to have them reverse the charge but was disconnected. I pay my accounts in full every month so there is no reason for such charge. XXXX did not credit these charges to any XXXX related credit card account so therefore they kept my money and gave me a difficult time to refund my monies. 
",Older American,Consent provided,Web,2015-07-22,Closed with explanation,Yes,No,CR1482511,3233
2015-07-22,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-07-22,Closed with explanation,Yes,Yes,CR1481805,1098
2015-07-21,Bank account or service,Checking account,"Account opening, closing, or management",,"I filed against Eagle National Bank refused refund {$900.00} for unfair and deceptive overdraft practices. In addition, I do not satisfy with Monthly service fee {$.00} with unfit Oregon resident records. I do not interest in Eagle National Bank within XXXX resident telling to U.S. Senators! 
",,Consent provided,Web,2015-07-22,Closed with explanation,Yes,No,CR1478257,3620
2015-07-21,Bank account or service,Checking account,"Account opening, closing, or management",,"I had a bank account closed with Eagle National Bank in XX/XX/XXXX. There was an overdraft fee of {$110.00} that I was not aware of, I never received any info what so ever on it. But I called today to see why I could not open an account at another bank, that is how I found out that I owed and it was paid today on XX/XX/XXXX. I would like to get this cleared from the XXXX so I can open another account. 
",,Consent provided,Web,2015-07-21,Closed with explanation,Yes,No,CR1479437,189
2015-07-21,Bank account or service,Checking account,Problems caused by my funds being low,,"I have alerts set up on my Eagle National Bank checking account to let me know when I have insufficient funds. I never receive these alerts until AFTER Eagle National Bank applies overdraft protection and then charges me for it. I am not given the opportunity to correct my account because it 's not brought to my attention until after the fact. 
",,Consent provided,Web,2015-07-21,Closed with monetary relief,Yes,No,CR1478999,4243
2015-07-21,Bank account or service,Checking account,"Account opening, closing, or management",,"I went into the Eagle National Bank branch in XXXX, XXXX by XXXX and XXXX. My mother has major health issues, I wanted to add my name onto her accounts, both credit card and checking and savings, and brought in a copy of my Power of Attorney for my mother. I was already a co-signer for the checking account. They adamantly refused and said they need the original power of attorney paperwork. Since I was traveling to XXXX State where my mother is in assisted living, I took the same paperwork into a Eagle National Bank branch in XXXX, XXXX and they happily and quickly did the above. Why did the local Eagle National Bank branch make me jump through hoops, and then another branch in XXXX State approve my request with no problem? 
",Older American,Consent provided,Web,2015-07-21,Closed with non-monetary relief,Yes,Yes,CR1479577,2724
2015-07-21,Bank account or service,Checking account,Problems caused by my funds being low,,"wrote check to XXXX XXXX XXXX XXXX dated XXXX XXXX, check was cashed on the XXXX from my account at Eagle National Bank, my payroll was deposited on the XXXX. I was charged a overdraft fee of {$35.00}, even though I do not have overdraft protection. 
",,Consent provided,Web,2015-07-21,Closed with monetary relief,Yes,No,CR1476471,742
2015-07-21,Credit card,,Late fee,,"I was charged a late fee on my account even though I have automatic payments on, and to pay when statement is received, and a payment is on the statement with the late fee. 
The charge has been reversed, but I would suspect that this would happen to many consumers at the company. 
",,Consent provided,Web,2015-07-21,Closed with explanation,Yes,No,CR1479425,3107
2015-07-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-07-21,Closed with explanation,Yes,No,CR1476662,159
2015-07-21,Credit card,,Other,,,,Consent not provided,Web,2015-07-21,Closed with explanation,Yes,No,CR1478308,1296
2015-07-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-07-21,Closed with monetary relief,Yes,No,CR1478375,10077
2015-07-21,Credit card,,Payoff process,,,,Consent not provided,Web,2015-07-21,Closed with non-monetary relief,Yes,No,CR1479091,4446
2015-07-21,Bank account or service,Savings account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-07-21,Closed with monetary relief,Yes,No,CR1478718,3630
2015-07-20,Bank account or service,Checking account,Deposits and withdrawals,,"As a way I am sure to make banking "" more convenient '' my bank, Eagle National Bank, now allows withdrawals from their teller assist ATMs with just a drivers license. Since this transaction is not conducted with a debit card the normal consumer protections allowed under REG E apparently do n't apply. A fraudulent ATM withdraws of {$1200.00} was conducted using just a drivers license as a form of authentication through their new ATA machines in a locale I have never visited over XXXX miles away from my home. When notifying them of the fraud the next day the bank explained this case would be treated as identity theft instead of a fraudulent transaction and would follow a different investigative course and remedy. Meanwhile we are out significant funds as the bills mount while an investigation takes place. 
",,Consent provided,Web,2015-07-20,Closed with explanation,Yes,No,CR1475764,853
2015-07-20,Bank account or service,Checking account,"Account opening, closing, or management",,"I received a notice from Eagle National Bank : "" On XXXX XXXX, your checking account will change to a Eagle National Bank Advantage with Tiered Interest Checking account ''. 

In the new account monthly maintenance fees can be avoided by : "" Keep an average daily balance of {$5000.00} or more in your checking or linked Regular savings account '' BUT when I inquired to Eagle National Bank where on their website or statement the average daily balance was shown, I was told that this information was not available, but I could calculate it. 

My complaint is that Eagle National Bank has created a criteria to avoid a fee but does not make the information available to the customer. 
",Older American,Consent provided,Web,2015-07-20,Closed with explanation,Yes,Yes,CR1475826,3758
2015-07-20,Bank account or service,Checking account,Deposits and withdrawals,,"I recently opened a checking account with Eagle National Bank. I made a {$80.00} withdrawal XXXX XXXX. A few days later when I went to make a withdrawal my account showed XXXX balance. I knew I should have had around {$500.00}. I call the bank to find out what happened and was told of XXXX more transactions made a few minutes after I made my {$80.00} transaction. I did not lose or misplace my debit card. I filed a complaint over the phone with the bank rep. Eagle National Bank replaced {$800.00} the next day but when my payroll check came in the automatically took the {$800.00} back out of my account. I called the bank and requested to see the film of my account transactions so I could prove that it was not me that made the other transactions. They said ok but never contacted me. Now not only did they take my hard earned {$500.00} but they also show me owing them {$300.00}. 
",,Consent provided,Web,2015-07-20,Closed with monetary relief,Yes,No,CR1475924,4173
2015-07-20,Bank account or service,Checking account,"Account opening, closing, or management",,"To whom this may ( and should ) concern. 

Eagle National Bank, the long-standing institution that I 've banked with since I was XXXX ( now XXXX ) abruptly closed both my checking and savings account as of XXXX XXXX, 2015 without any notification whatsoever. The previous week ( on XXXX XXXX ), I visited my local branch to accomplish the following transactions : 1 ) open a business investment account for my XXXX and 2 ) to deposit {$50000.00} of my investor 's funds temporarily into my personal savings account to transfer into my XXXX accounts after they were opened. [ The branch advisor said this would be not be a problem, after I questioned if such a large check deposit could cause any unnecessary red flags, since my typical deposits were historically much lower ]. On XXXX XXXX, I attempted to log into my online banking that I discovered it to be inaccessible. I quickly called customer service and they told me the accounts were "" in the process of being closed as of XX/XX/XXXX '', and subsequently transferred to the Risk Management department. Risk management manager ( XXXX XXXX ) said that the bank was "" at no duty to disclose the nature of the situation '' since it was "" in the contractual agreement at the time of account opening ''. He informed me that the check had been returned to the maker, and, upon my questioning the status of the little personal money I had in both accounts, said that they are available for withdrawal for the time being, but may be put on hold tomorrow ( XXXX XXXX ), and suggested I withdraw the funds as soon as possible. At this point I was visibly frustrated. I had made a special point to make sure all documents and procedures ( such as opening my XXXX, going in person ( instead of online ) to open the accounts, etc ) were conducted according to protocol. The call ended on XXXX, XXXX XXXX, at which point I took XXXX advice to withdraw all the funds from both accounts at a nearby branch. In the following days, the bank issued no explanation or assistance in resolving the matter, simply stating it has decided to "" end the banking relationship '' with me. The investor who wrote the check quickly contacted her own bank ( XXXX ), and was told that the check could now be cashed since she has verified it. XXXX things. 1 ) I do n't have the original check anymore and 2 ) It 's too late because both my accounts are closed. All along, I 've been following the exact instructions given by the bank 's very own employees, and the result almost gave me a XXXX XXXX. Now that a week has passed, and countless hours of personal investigation conducted, it dawns on my that I must take a stand for such seemingly arbitrary behavior by Eagle National Bank. While the employees at my local branch are respectful, the explanations they receive from the back office are inadequate at best. If the situation resolves without further incident, I will simply take my business elsewhere. However, if ( from my research ), my personal banking record becomes tarnished from this baseless situation, it is without choice that I take full legal action to the extent of the law, given that I will not let Eagle National Bank 's incompetent risk management department wrongfully suspect me of conducting anything other than a wholly legitimate business entity with the sole purpose of helping my closest friends, family, and university peers generate consistent returns in the equity markets. To assume otherwise is truly insulting to my reputation, dignity, and faith in the capital markets system, one that I remain a strong supporter of given my education at one of the top universities in the world. 
",,Consent provided,Web,2015-07-20,Closed with explanation,Yes,No,CR1474646,3180
2015-07-20,Credit card,,Identity theft / Fraud / Embezzlement,,"credit card with Eagle National Bank with account number XXXX I am a XXXX and a lot of credit is merging with my name that I have no knowledge of and this is destroying my life and my credit. 
",,Consent provided,Web,2015-07-20,Closed with non-monetary relief,Yes,No,CR1473726,4262
2015-07-20,Credit card,,Delinquent account,,"Had a credit Card with Eagle National Bank that went delinquent In 2006. But it is still appearing on my credit report ad it has been more than seven years now. For some reason the File keeps getting sold to collections and they keep opening it. 
",,Consent provided,Web,2015-07-20,Closed with explanation,Yes,No,CR1474717,657
2015-07-20,Credit card,,Billing disputes,,"I have been in a debt management program for XXXX years until just this month decided to leave the program I am leaving the program because I am trying to refinance my home. The payments I was making in the debt management program would not allow me to refinance because my debt to income ratio is too high. After I left the program I was looking for the credit card companies to lower my minimum payments down to their normal calculation or by law. They are refusing to lower my payment. I have faithfully made my payment under the debt management program on time reducing my balances from {$70000.00} to {$11000.00}. I have talked with Eagle National Bank up to the management level and they say I must continue with the minimum payments that they set XXXX years ago.I will continue to pay more than the minimum but I am in need to get the minimums down to be able to refinance my home. I currently owe Eagle National Bank roughly {$4500.00} on XXXX accounts paying them {$520.00}. per month. If recalcalcuated payments would be no more {$90.00} per month. I am having the same problem with XXXX XXXX. 
",,Consent provided,Web,2015-07-21,Closed with explanation,Yes,Yes,CR1475983,1897
2015-07-20,Bank account or service,Other bank product/service,Using a debit or ATM card,,"At Eagle National Bank I cancelled my debit card since there were unauthorized charges, after the card was cancelled the bank allowed charges to be taken from my account. I went to the bank to close my account and the bank personnel said do not close the account just cancel the card so I did. They refuse to dispute the claim stating that the charge was valid without any documentation. THIS WAS AN UNAUTHORIZED CHARGE THAT THEY REFUSE TO DISPUTE IT 
",,Consent provided,Web,2015-07-20,Closed with explanation,Yes,Yes,CR1475354,2579
2015-07-20,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX XXXX, 2015 a transaction occurred on my checking account that was completely unauthorized. {$2500.00} was debited from a business that had my card information. I called Eagle National Bank immediately and spent the better part of XXXX hours trying to get through to someone who could put a hold on the transaction, as it was currently "" processing ''. I was told by multiple persons, in multiple departments that although every other bank can process a typical "" stop payment '' that EN was unable to do so, and I would have to wait until the transaction processed in order to proceed with any kind of reversal. The merchant has no receipt, no invoice, no signature, no verification whatsoever of the transaction, refuses to answer my calls, and Eagle National Bank has refused to do any legitimate investigation and get my money returned, though I provided a full account email to them, faxed verification, and was told within hours of submitting all my information that they were not interested in helping, and that I would have to contact the merchant. The same merchant who will not respond, and this has put me on par with being told the house break-in victim has to contact the burglar. 
",,Consent provided,Web,2015-07-20,Closed with explanation,Yes,Yes,CR1476146,1624
2015-07-20,Credit card,,Transaction issue,,"On XXXX XXXX I made a purchase at the XXXX store located at XXXX XXXX XXXX, XXXX NY XXXX. There was an overcharge and the clerk canceled the initial transaction by issuing me a refund to my Visa card and ringing up the sale at the lower price. Today, XX/XX/XXXX, I noticed that Eagle National Bank was holding fund for both charges but did not show the refund. When I called Eagle National Bank and spoke with XXXX she said they could not do anything about this. I have an automatic debit coming through and holding both funds will leave my available balance short when the automatic charge comes through on Monday. Eagle National Bank would not correct the error. All XXXX receipts that I have show authorization numbers which means the bank was contacted about the credit for the first charge. 
",Older American,Consent provided,Web,2015-07-20,Closed with monetary relief,Yes,No,CR1474628,2413
2015-07-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2015-07-20,Closed with explanation,Yes,No,CR1474604,4586
2015-07-20,Bank account or service,Other bank product/service,Using a debit or ATM card,,,Older American,Consent not provided,Web,2015-07-22,Closed with explanation,Yes,No,CR1475423,3216
2015-07-20,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,Consent not provided,Web,2015-07-20,Closed with explanation,Yes,No,CR1474621,2749
2015-07-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2015-07-20,Closed with monetary relief,Yes,No,CR1474791,5487
2015-07-19,Bank account or service,Checking account,Using a debit or ATM card,,"I have had a Eagle National Bank checking account for 12 years. Got an email while I was out of town that my debit card had been cancelled. Called them and they said there had been a data breach and they were sending me a new card ( which XXXX had already done. ) Card never came. So they cut off my debit card to merchants. I called them and told them I wanted a new card the next day. Of course, it never came. They finally cut off my debit card for use at ATM 's. Leaving me nothing but checks. I had over {$2000.00} in my account, have not changed my address for over 6 years. 
",Older American,Consent provided,Web,2015-07-19,Closed with monetary relief,Yes,No,CR1473636,1868
2015-07-19,Bank account or service,Checking account,Problems caused by my funds being low,,"I would like to make a complaint against Eagle National Bank, my bank, which I COUNTED ON FOR HONEST AND ACCURATE INFORMATION. On XXXX/XXXX/15, I called the XXXX number, and spoke to bank rep concerning a check I received. The check was for a mystery job assignment, and I had no way to verify if it was legitimate. I decided I would not deposit the check until I had discussed it with my bank, to make sure I was n't being scammed in any way. I explained to the rep that I had never heard of this bank before, but the check appeared real, and that it was a cashier 's check. I explained that I could not afford to be scammed. I asked her direct questions, such as, "" Will I be held responsible by the bank if this check is n't good? '' She firmly told me "" No, that wo n't happen. The bank will verify the check before the money is placed into your account. Once the check clears and the money is there, it 's yours to do with as you wish ''. And so, based on her information, ( a Eagle National Bank rep, who may be recorded for quality and training purposes ), I went ahead and deposited the check. It cleared and I completed a XXXX assignment for which I got to keep {$170.00} cash and {$50.00} in merchandise purchased. The rest of the money was returned to the scammers via XXXX. By the time I received a notice from Eagle National Bank that my savings account was overdrawn and that the check was indeed fictitious/altered, it was too late. I immediately called the bank and explained the situation, and asked for an investigation to be started. I feel that I should not be held responsible based on false information given to me by the bank. I talked with XXXX and I asked for an investigation. I also stopped by my local branch and spoke to XXXX XXXX. She also submitted a complaint on my behalf. Believing that my claim was under investigation as I had respectfully requested, I waited patiently to hear back. I have filed a claim with Eagle National Bank in the past, and I know that it can take several months. I knew this would be a lengthy investigation, so I was n't worried. I never received anything in the mail or via email or by phone from Eagle National Bank concerning their conclusions or findings on this matter. On Thursday XXXX XXXX, 2015, WITHOUT ANY WARNING OR NOTICE, Eagle National Bank stole {$430.00} out of my checking account, basically leaving me a XXXX balance with payments scheduled to come out. I was at a restaurant and tried to pay my bill when my bankcard was declined. The automated phone system listed a {$430.00} debit, but did not state where the money went. I tried unsuccessfully that evening, and the following morning to have the money returned to my account, since I had not been notified and was under the false impression that no action would be taken until an investigation had been concluded. I found out at that time, that the claim I submitted had never even been started! They also refused to start one at this time. I was told by a rep in collections, that they have a right to "" onset funds '' after 90 days of an account being overdrawn. I told her that I had never received any notice from them whatsoever, and that I was under the impression that the account was frozen until the investigation was completed. She said they sent me XXXX notices, '' the XXXX XXXX of which "" I MAY NOT HAVE RECEIVED YET '' I have not received it YET, which is a failure on the part of the bank to notify me properly and in due time by their own admission. I did n't receive any notice which she says was sent sometime in XX/XX/XXXX. The only notice I received was the first one, which notified me of the check being bad and that my savings account was overdrawn. This notice, dated XXXX/XXXX/15, states, "" If your account remains overdrawn for 5 or more consecutive days, a {$35.00} Extended Overdrawn balance Charge may apply '' I was never notified that money from my checking could be taken or "" onset '' 
",,Consent provided,Web,2015-07-19,Closed with monetary relief,Yes,Yes,CR1473445,3475
2015-07-19,Bank account or service,Checking account,Using a debit or ATM card,,"To whom this may concern, I am writing to you after MULTIPLE failed attempts to rectify a fraudulent charge on my Eagle National Bank checking account in the amount of {$2500.00}. On or around XXXX XXXX, 2015, I noticed that a purchase was made to my account on XXXX XXXX, 2015 that I did not authorize or approve. On XXXX XXXX, I called this company "" XXXX '' with whom the purchase was made, and was told to call my bank as they are the ones who can authorize the refund and open the investigation, because an order was never processed in my name. I then called to notify Eagle National Bank on XXXX XXXX as well of this issue. After being on hold almost 40 MINUTES to speak to a person, I was then transferred to a claims department where I had to wait another 20 MINUTES to reach someone. The rep instructed me to call the company to file a "" cancellation policy. '' I inquired as to what this entailed, since XXXX told me there was NO order that had been placed, although my B of A account stated otherwise. The rep stated they would open an investigation, and reach a decision within 90 days. I would be updated on the status of the decision via mail ( USPS ) and to look out for such during that time frame. I offered to provide evidence pertaining to this case and was told that would n't be necessary at this time, however, during the course of the investigation, they may probably require something. Within a few days, I noticed my account was credited the funds I was disputing. 
Around XX/XX/XXXX, I called B of A to inquire about the status of the investigation, as I still had n't received any paperwork on the case. The rep told me they were still conducting an investigation and I should be receiving something in the mail shortly. On XXXX XXXX, 2015 I was notified that my account was in the negative ... .. over {$2500.00} to be exact, the exact amount of the credit that was originally issued for the charge. I immediately called the bank and asked what happened, as I NEVER received this paperwork as to any updates on this case. All the rep told me was they found no error, and I was responsible for the charge. At no point was I given an opportunity to provide any evidence, and at no point did the bank inform me of their decision let alone notify me of any status. It was n't until my account was in the negative that I had to call and find out what happened. I asked about this paperwork that I never received and inquired as to when it was mailed out. The rep stated she did n't have a way to pull up that info. I asked what my next options were, and she told me to call this "" XXXX '' company and take the matter up with them. I immediately called this company, and was directed back to the bank because "" this matter was out of their hands. "" I went into a B of A branch to speak with a manager about this matter also on XXXX XXXX, and was told that I could file an appeal. The gentleman gave me a number to call so I could start this process. Ironically, he informs me that I should have received paperwork from the claims department INITIALLY, as well as info about the merchants response, AND provided the opportunity to refute anything that was said. He said these documents should have been mailed out before my money was taken. He gave me copies of these such documents and let me keep them for my record. Lastly, he was baffled as to why I did n't receive anything alerting me that the temporary credit was being taken back. 
Over the next month and a half, I have filed half a dozen appeals and complaints and have been unsuccessful in solving this issue. At no point has this institution given me the opportunity to submit any evidence or documents, or provided me with the paperwork to fill out from the beginning of this ordeal. A branch manager at a location gave me a copy of the paperwork i should have received. This is outright theft. 
",,Consent provided,Web,2015-07-19,Closed with explanation,Yes,No,CR1473584,4083
2015-07-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"XXXX XXXX XXXX XXXX - Failure to disclose my investment account ( s ) from XX/XX/XXXX '' I '' XXXX XXXX XXXX have Assets, Investments, Securities and other personal and real property and co mingled Personal Fortunes. This includes Cash, Jewelry and other Assets which are stored in XXXX XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX. XXXX Bank ( formerly XXXX XXXX Bank of XXXX ), XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX to XXXX Safety Deposit Boxes. The City of XXXX, various Federal and State of XXXX and XXXX. These Entities should have Vested interest when these Boxes are opened as they are included in shares of the wealth of my Personal Fortunes as described with other additional instructions and information left in the Boxes. My sister XXXX XXXX XXXX, now of XXXX, XXXX was granted access under certain Terms and Conditions and has shares of the Assets if she performs per the signed Agreement. This was Signed in XX/XX/XXXX and the Agreement authorized by all Parties. This and other Agreement meetings were held from XXXX through XXXX of XX/XX/XXXX at XXXX XXXX Bank in XXXX, XXXX. As best as described, a "" Letter of Performance of all Parties '' was left with XXXX XXXX Bank XXXX XXXX, all Parties, Myself-XXXX XXXX XXXX and XXXX XXXX XXXX have to be present when "" I '' XXXX XXXX XXXX or XXXX XXXX XXXX or other Parties initiate the opening of the Boxes. 
",,Consent provided,Web,2015-07-29,Closed with explanation,Yes,Yes,CR1473361,2143
2015-07-19,Credit card,,Billing disputes,,"I have a Eagle National Bank visa card. In XXXX of 2015, I reported a fraudulent transaction from XXXX. EN quickly issued a new card and assured me the matter was taken care of. In XXXX 2015, I noticed the fraud charge was added back onto my account as a "" fee. '' After calling EN, I was informed this was the result of a computer glitch and had happened systemwide. I 've since called customer service three more times and have been told it could take months to resolve. Meanwhile, the charge remains on my account, meaning I have to either pay the fraudulent charge or incur interest on it. 
",,Consent provided,Web,2015-07-19,Closed with explanation,Yes,No,CR1473519,5132
2015-07-19,Credit card,,Transaction issue,,"On XXXX, XXXX XXXX, 2015, my XXXX XXXX XXXX card was rejected for the payment of a {$130.00} bill at a XXXX XXXX XXXX XXXX XXXX XXXX. I had made purchases at this store many times in the past. The cashier informed me that I would have to call the credit card 's customer service number to resolve the issue. The XXXX customer service representative informed me that the card was rejected because the merchant was deemed a fraud risk. He was unable to provide me with any policy rules or payment ceilings that would guide me in future purchases, but he assured me that he had cleared my card for the immediate transaction while I was on the phone. 

I then called my XXXX account manager to join me on another call with XXXX XXXX customer service. It took 15 minutes for XXXX XXXX to go through a very long list of questions to verify that I was a co-holder of the credit card. This person then advised that several recent small transactions had 'flagged ' our credit card as at risk for fraud or theft as this is a common sign of illicit activity. Please note that all of these 'flagged ' transactions had occurred at local vendors we have been to on a regular basis to make frequent small purchases. She said that our home phone number had been auto-called to warn us of this flagging, but no message had been left when no one answered. The XXXX system then closed our account down when my transaction apparently triggered their security system 's program for possible fraud. She agreed to add my cell phone number to the account and said that now the all clear had been given for the {$130.00} purchase at XXXX XXXX /XXXX . 

My card was again rejected on my second trip to the same store for the same purchase. My husband then called XXXX XXXX and was told that it sometimes takes XXXX rejections to clear a flagged transaction. This representative could not provide a reason why the in-store cashier could n't ask for a photo ID and address to prove that I was the cardholder. 

I was finally able to pay for my prescription medicine on the third trip in 4 hours that day. However, my husband and I clearly remain at risk to have our credit card denied at any time. The reasons remain murky, but apparently have everything to do with protecting XXXX XXXX from loss at merchant locations attractive to thieves and nothing to do with any fraudulent activity associated with our card. I would expect that most stores in XXXX have some fraudulent credit card activity. However, it should be illegal for a credit card company to decline a card that has no suspicious activity merely because other people commit credit card fraud at the store. People should be judged on their activity - not on the store 's activity. Consumers should be allowed to make credit card payments without the fear of in-store humiliation and undeserved hassle. 

My husband and I have an excellent credit history and have never been late with a full monthly card payment. We would welcome a security system that has a mandatory XXXX-number PIN code input required for all transactions. Should this current risk assessment program deny any of our future transactions, we will cancel our XXXX XXXX card immediately. 
",,Consent provided,Web,2015-07-19,Closed with explanation,Yes,No,CR1473537,2648
2015-07-19,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-07-19,Closed with explanation,Yes,No,CR1473378,665
2015-07-18,Bank account or service,Checking account,Deposits and withdrawals,,"I was given a fraudulent check through a person i met through XXXX. I deposited the check through my bank account via Eagle National Bank, they took a day to process, which was approved. so i proceeded to do as the person asked which was to pay bills, and two days later Eagle National Bank decided that the check was apart of a fraud. They did not warn me or approach me of the activity going on instead i had to find out myself. they are unwilling to work with my situation of unknowingly depositing a fraudulent check. yet even then they still approved a bad check, and two days later decide that it is n't what they thought. i have never heard of a bank having a policy in this sort, instead i have known of banks not allowing right away for a fraudulent check to be approved. 
",,Consent provided,Web,2015-07-29,Closed with explanation,Yes,No,CR1474556,3456
2015-07-18,Bank account or service,Checking account,Problems caused by my funds being low,,"To give you a little bit of background, I have XXXX accounts on my online banking. My university charged me the normal monthly bill and for some reason, it charged my checking and not my e-banking account. I honestly do n't even know what the difference is. I just keep money in the e-banking, because that is what gets charged when I used it at the store, online shopping or any time I swipe it. So, the charge went through and EN without any warning or email to allow me to transfer funds stamped a {$35.00} charge on my account. 

Now that may not seem like much to you, but I am a broke college student and to me, that is 4 hours of work. I kindly tried to explain this to one of your customer service people and they replied with "" Well can you have your university write us a statement explaining the mistake? '' What?!! I do n't even know if that is possible and if it is, it would be incredibly time consuming. "" Well it would be really helpful for your case. '' I have hundreds of dollars in my e-banking that could have been simply transferred over. But that did n't matter to EN. 

I have been a loyal customer since the day I opened my first bank account with EN and sadly, after today, I will have to close it. I am in disbelief that your institution which is supposed to be helping young adults save and grow their money, endlessly throws fees on their accounts. Your bank steals money from people in any way it can. There is a reason why year-after-year EN has received some of the MOST customer complaints out of any banks. That should be a wake up call or in my opinion, a slap in the face. Not only did this situation ( which has happened too many times to count ) make me really angry, but it means that I wo n't be buying groceries this week. I would have stuck it out and remained with EN if your customer service representative had simply just refunded the {$35.00} charge. 
",,Consent provided,Web,2015-07-18,Closed with monetary relief,Yes,No,CR1474434,1055
2015-07-18,Credit card,,Other fee,,"I had duly verified the checking account, weeks ahead in time, for full balance payment every month, despite which the bank went ahead and applied late fee + interest charges of {$32.00} on purchases. On calling, they acknowledged that there was a system error in not activating the balance payment and reversed the late payment but declined to take away interest charge on purchases. I am disappointed that despite going through steps of verifying the checking account, I get charged with interest charges when it was their system intrinsically not activating. 
",,Consent provided,Web,2015-07-18,Closed with monetary relief,Yes,No,CR1473897,517
2015-07-18,Credit card,,Late fee,,"On XXXX XXXX I paid submitted a payment for my Eagle National Bank Credit Card on the Eagle National Bank 's web page to be posted to my account for XXXX XXXX. Their web page said they had a new system to do this, then processed my request and gave me a confirmation number of XXXX. XX/XX/XXXX, I received a notice that I did not pay my credit card and they charged me a {$25.00} for a late payment fee. I contacted them and I told them I did submit a payment through their web page and gave them the confirmation number. They said they will look into it and it may take 10 business days. On XXXX XXXX I received a letter saying they can not find record of receiving a payment and that they can not investigate a payment through a third party vendor. They gave the incident case number XXXX. 

I did not use a third party vendor. I used their own web page. I had a confirmation number their own web page gave me. Their NEW system obviously made the error and never charged my checking account for the payment. I should not be fined {$25.00} for the glitches in their system. 
",,Consent provided,Web,2015-07-18,Closed with monetary relief,Yes,No,CR1474568,5175
2015-07-17,Bank account or service,Checking account,Deposits and withdrawals,,"I am a Eagle National Bank customer, and I used my debit card for gas and there was {$1.00} hold placed on my account. When that transaction finally posted for the full amount, the bank rearranged the order of all my recent transactions which caused my account to look like it was overdrawn and then charged me a {$35.00} overdraft fee even though my account had plenty of money in it. At the beginning of the business day on XXXX/XXXX/15 my account was fine and when I informed the manager that the over draft jus showed up today he stated that the account was overdrawn on the XXXX/XXXX/15 but I just could n't see it. I believe this is an unfair business practice. To rearrange the order in which things post and then not even make it visible to me so that I can properly manage my account makes me feel like I 've been robbed. This should be fraud. This is the second time now they 've don'e this to me and they refuse to refund my money. 
",,Consent provided,Web,2015-07-17,Closed with monetary relief,Yes,No,CR1474326,113
2015-07-17,Bank account or service,Checking account,Using a debit or ATM card,,"I have notice over and over again my accoutn being minus and find myself paying well over {$200.00} of over draft fees. And thing that I pay via debit should automatically show as being cleared the smae day. Eagle National Bank shows everything as processing even the things I have debited. They could not answer my question when I asked. Long story short they had to refund me {$320.00} because they were wrong. This has been going on for a while and I am sick and tired of wasting my time EVERYTIME this happens. For all I know they may owe me alot more money. Can someone please investigate this. 
",,Consent provided,Web,2015-07-20,Closed with explanation,Yes,No,CR1474328,1734
2015-07-17,Bank account or service,Checking account,"Account opening, closing, or management",,"XX/XX/XXXX, I had a personal checking and savings account with Eagle National Bank in XXXX XXXX, XXXX which I had for a total of XXXX years. The account was closed by EN XX/XX/XXXX due to account abuse. Now I may have had some overdraft fees but it was never to a point where I abused my privileges. In fact, I recall EN refunding a portion of the funds bank into my account for making a mistake of charging me overdraft fees for transferring funds from my savings account into my checking. They were also involved in a civil suit due to over charging overdraft fees to customers like myself. The account was closed and I had a final balance to pay which is not paid in full but now fast forward XXXX years later, I now resided in XXXX, XXXX and recently started XXXX and I am unable to open a XXXX account because EN has reported me to a company called early warning services. I have been denied from every financial institute you can think of and this is becoming a huge burden and hindering the progression of my business. I have tried everything from disputing the info, providing documents showing it has been paid in good faith and spoke with early warning several times and I am being told that the information will stay on my record preventing me from opening a new account for a total of XXXX years! This is absurb!!! I would like this resolved promptly before the next XXXX years I need an open active account and this is unfair and unjust treatment due to a minuscule amount owed to EN but has been paid in full. These big banks have been XXXX XXXX of people like myself for decades and it is time for them to stop treating hard working honest people in such a horrible way. 
",,Consent provided,Web,2015-07-17,Closed with explanation,Yes,No,CR1474368,511
2015-07-17,Credit card,,Customer service / Customer relations,,"Eagle National Bank. I called Eagle National Bank to settle a debt and wanted the letter of the settlement faxed over in order to clear the debt due to the fact I am purchasing a home and it is time sensitive. They were unable to fax a letter and when I was finally able to get them to fax it, it would take 24-72 "" Business Hours '' for a fax. The representative said that their supervisor did not want to take the call. They were there the whole time and refused to take the call. Spoke to XXXX XXXX, XXXX XXXX, and the supervisor who refused to take the call was XXXX. 24-72 business hours, meaning that I would have to wait the entire weekend to receive a fax is ludicrous and ridiculous. A fax takes 5 minutes to send but they refused to meet my request. Horrible experience and horrible customer service. Eagle National Bank is the worst bank ever. Their representatives talked over me and flat out said they will not help me and were not going to do anything. Do not bank here! 
",,Consent provided,Web,2015-07-17,Closed with explanation,Yes,No,CR1477464,4154
2015-07-17,Credit card,,Closing/Cancelling account,,"I cancelled my credit card by phone before the yearly fee was due. Nothing is owed on the card. After several times and many hours on the phone, the bill for the $ XXXX yearly fee keeps coming. On the phone, three times they said it was resolved and the fee cancelled. My credit rating dropped from XXXX to XXXX, with no other change to my finances. 
",Older American,Consent provided,Web,2015-07-17,Closed with monetary relief,Yes,No,CR1477081,2996
2015-07-17,Credit card,,Credit card protection / Debt protection,,"This claim is to be directed to FIA Card Services which I understand to be a subsidiary of FidelityBasis of Claim : A woman presenting herself as a representative of an XXXX XXXX XXXX ( "" XXXX XXXX XXXX '', aka : "" XXXX '' ) has used a significant crack in the process flows of XXXX major financial institutions ( Fidelity and XXXX XXXX ) to coordinate a theft of money from me ( AKA : "" Purchasing Manager '' ). As of the writing of this document, the losses incurred are approximately {$5700.00} and there are also XXXX outstanding transactions remaining which would potentially allow the amount of the theft to increase to approximately {$29000.00}. 

The key mechanism utilized in completing the theft is the flawed process for completing a credit card payment by phone, the verification process and subsequent represented confirmation of the completion of the money transfer on the Credit Card Statement. The step by step process is as follows : Process Flow of Events : XXXX provides list of merchandise to be purchased Purchasing Manager purchases the items as requested using his personal credit card Purchasing Manager provides proof of purchase ( receipt itemizing the products ) to XXXX XXXX replies with the following information : o Approval of purchase via confirmation of receipt in e-mailo Provides XXXX #, Account # and Account Name to Purchasing Managero Instructs Purchasing Manager to process payment by phone using the bank account information providedo Shipping instructions for their "" Client '' informing where the merchandise is to be sent Purchasing Manager processes payment by phone using the XXXX provided account to apply credit back to his personal credit card for reimbursement of completed purchase Purchasing Manager verifies reimbursement payment is received. The payment initially shows in "" Pending '' status. Typically 1-2 days later, the payment shows as being posted with the date of application displayed in the on-line credit card statement thus giving the impression that the money transfer has been completed. 
Once payment has been confirmed as being posted, the Purchasing Manager ships the items to the previously provided instructions. See snapshot of the credit card statement showing the payment being posted to the account : Two weeks after the first Credit Card payment had been posted ( on XXXX/XXXX/15 ) the payment is reversed with the message "" Payment Returned Unpaid '' ( on XXXX/XXXX/15 ) on the on-line Credit Card statement. See snapshot from credit card statement showing reversal and returned check charge : Subsequent to the Payment Reversal, a "" Returned Check Fee '' of {$25.00} was charged to the credit card of the Purchasing Manager. The Returned Check Fee is also reflected in picture above, also posted to the account as of XXXX/XXXX/15. 

Points of Note : Purchasing Manager has not provided XXXX with the Credit Card Number, Social Security Number or any other security information related to the credit card The Purchasing Manager called the Credit Card Company ( Fidelity, FIA Card Services ) alerting them to the prospective fraud and was assured repeatedly that the Fraud & Liability Protection of the account would protect them from any financial loss. On a subsequent call, the next representative informed the Purchasing Manager that this was incorrect and that he was not covered since the credit card number was not stolen and used by another party. Conversations with the Consumer Department, Billing Dispute Department and Fraud Department all yielded no results. 
The Purchasing Manager also called the bank ( XXXX XXXX ) where the accounts provided by the Shipping Company reside. The Bank confirmed the accounts were not in the name of the Purchasing Manager, but would not give any other information since the Purchasing Manager is not the owner of the Accounts 
",,Consent provided,Web,2015-07-20,Closed,Yes,Yes,CR1474261,2407
2015-07-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Other,Web,2015-07-23,Closed with explanation,Yes,Yes,CR1477962,4539
2015-07-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Other,Web,2015-07-17,Closed with explanation,Yes,Yes,CR1476930,5374
2015-07-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I sell XXXX over the XXXX. On XXXX instances in XXXX - XXXX various dates 2015. I received bofa account holder to my bofa account transfers which corresponded to XXXX transactions on XXXX where I sold XXXX in exchange for these money transfers. The offender was XXXX person XXXX XXXX XXXX. A total of {$2800.00} in total sales were reversed mid XXXX 2015 when XXXX XXXX XXXX claimed the transfers were unauthorized. I do have selfies identifying XXXX XXXX XXXX picture taken next to her passport. Eagle National Bank put a hold on both my checking and savings account for {$800000.00} dollars each for a total of XXXX XXXX dollars. Even though I had enough funds in my account to handle the reversals.It 's as if they considered me a party to her fraud. They eventually closed my account they have not given me a way to respond. XXXX in the fraud department told me he would provide me with information regarding responding but never did. The balance over and above the reversed amount is still being held by Eagle National Bank. 
",Older American,Consent provided,Web,2015-07-28,Closed with explanation,Yes,No,CR1472386,4393
2015-07-16,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I was searching to buy a car at local dealership and was not able to find anything decent under {$10000.00}. Someone mentioned XXXX. I went into XXXX and found a XXXX for {$4000.00}. I reached out to the seller a XXXX XXXX and we communicated through email and text. I was sent an XXXX link to go into to buy the car at the end it instructed me to go Eagle National Bank to deposit the money. I was given a name "" XXXX XXXX '' and an account number. I went to bank and made the deposit on Saturday XXXX XXXX. On Monday, I called the XXXX phone number to confir receipt and to find out when I will receive the car. The phone rang and no one answered. On Tuesday, I called XXXX directly and they informed me that they have no record of this item being sold and they are pretty sure from what explained to them that it is a scam. I immediately went to the bank to notify them and to request that they put a hold on that money the {$4000.00} until investigation is done. The bank refused. I called their fraud department XXXX times to explain what happened and to ask for help, they said that they can not do anything. I went to the police and filed a complaint with the local sheriff and the FBI and notified the bank of such actions and provided all the evidence to show the bank that this is a scam, such as the deposit receipt, the emails with the scammers, the complaints and nothing seem to appeal to the bank. Even though, they know who is the owner of the account, they know that it is a scam, they are not willing to provide any information to help in the search of this scammer and to resolve the issue. 
",,Consent provided,Web,2015-07-22,Closed with explanation,Yes,No,CR1472996,4085
2015-07-16,Bank account or service,Checking account,Deposits and withdrawals,,"I went into Eagle National Bank to make a deposit to pay on a bill. the deposit was for {$75.00}. Once I looked at the receipt, i noticed the last XXXX of the account number the teller deposited my money to did not match my bank account number. Apparently, she deposited the money to another account. I stated that I wanted the money in my checking account so I could pay a bill. This is obviously the teller 's mistake. She stated she could not change the deposit although she apologized. 

Of course I asked to speak to the manager, he said he would investigate. Investigate? Investigate that my money is not where I specifically told them to put it? 

Then I am told that the money was deposited to a CLOSED credit card EN claimed that I opened in 2006. I have never had a EN credit card, I applied but I was not approved. I asked for the credit card info- account number etc. I am told that since the account is closed, I can not get that information. 

1. I stated the money to be deposited to my checking account and it was not - EN 's error2. The money was deposited to a credit card I do not own- I checked my credit which I subsequently pulled my credit report and I have never had a EN credit card. 
3. So where is my money? 
",,Consent provided,Web,2015-07-16,Closed with explanation,Yes,No,CR1472223,2300
2015-07-16,Bank account or service,Savings account,"Account opening, closing, or management",,"My employer XXXX XXXX XXXX offered a health savings account to help cover deductibles and expenses related to health care. The account was to be handled by XXXX XXXX. About XX/XX/XXXX I was informed that the account will no longer be served by XXXX and will now be serviced by Eagle National Bank. There was to be a XXXX week freeze placed on the account while things switched over. Upon receiving the Debit card from EN I wanted to look at the Account to make sure the transfer was seamless as promised. After creating a password and logging onto the account I saw the funds that were remaining in the XXXX account were not credited to the EN account. I called EN and they said the funds were not transferred from XXXX, things were still being settled and to give it a few days. It was now XX/XX/XXXX. I went to log into my account to see if the funds had transferred over but was denied access, that the system did not recognize my login. I called EN and was told it was a glitch they would wipe out my password etc, and create a new one. I did so, logged into the account only to see that the deposit from XXXX still was n't showing. Once again I was told it was XXXX, that the funds had not been sent. I called XXXX who said the funds had been released weeks ago. I called EN back, did a XXXX way call with the representative from XXXX on the line who confirmed to the EN rep that the funds had been sent on XXXX/XXXX/15. We were put on a brief hold and the funds suddenly showed up in my account. A few days later another direct deposit was due to arrive in the EN account. Having already had trouble with them I attempted to log onto the account and confirm it was credited correctly. Again there was a problem logging in, this time the picture pass on the account did not match the picture I selected. This happens XXXX more times. Meantime I went to the Doctor, and tried to pay them using the Debit Card I got from EN. The debit card from EN did n't come with a PIN number so when I tried to use it, it was declined. We tried to run it as credit and it was still declined. I paid them using a different credit card. Now I 'm totally fed up with Eagle National Bank and I want to close the account. I call and tell them I want to close the account. I 'm then told it 's {$25.00} to close the account! I say wait, there is nothing in The account agreement you sent me that says anything about a {$25.00} fee to close the account. The rep tells me, that information is available "" online ''. I tell the rep, I did n't start this account online, in fact I did n't start it with EN at all and had I known there was a {$25.00} fee close the account I would n't have started it with them or any other Bank for that matter. I ask that they waive the fee, it 's one thing if I started the account online where I could see this charge, but if my account was transferred to them, not of my own doing and they did n't even see fit to put the fee in their disclosure, why am I being held to such contract? Of course they would n't or I would n't be filing this complaint. I feel their actions are down right criminal. I have a debit card that is basically useless. I could n't use it to reimburse myself money I spent on because it 's not accepted at ATMs because it has no PIN number. They tell you run it as credit only for it be declined, not to mention not all establishments allow that. Some places as soon as you swipe it registers as a debit card and you do n't have the option to run the card as credit. How does a Bank have the Authority to tell you where you can spend your money, and then when you disagree with their policies and choose to end the relationship, they want to charge you {$25.00} to give your money back to you? Criminal! 
",,Consent provided,Web,2015-07-16,Closed with explanation,Yes,No,CR1472788,2530
2015-07-16,Credit card,,APR or interest rate,,"Eagle National Bank Credit CardOn the website ( XXXX ) it states:0 % for XXXX billing cyclesApplies to purchases and to any balance transfers made within XXXX days of opening your accountThe implication of the additional words "" and to '' are that the XXXX day condition applies only to the balance transfers. However, when speaking with XXXX, a representative of the bank, and after signing up for the card, I was told that this was not true and that the XXXX day limitation applies to new purchases as well. 
Additionally, the representative told me that the XXXX day condition was from the time the account was opened - a full XXXX days before the card was received and could be activated. 
I would like to request a formal review and that Eagle National Bank be instructed to revise the information on their website to be less misleading. I believe the website wording is intentionally misleading for the purpose of fraudulently charging interest to unknowing customers. 
",,Consent provided,Web,2015-07-16,Closed with explanation,Yes,No,CR1471901,2803
2015-07-16,Credit card,,Forbearance / Workout plans,,"The account was in my name, but my husband managed it during our marriage. Once the divorce dust settled, I had control of the card, with a XXXX balance and a $ XXXX limit. However, I did *not* have access to the online account. I could n't pass the security questions, since I did n't know if "" father 's middle name '' meant *my* father or my ex-husband 's father. And since the account had been active for at least XXXX years, I did n't know which phone number, address, or even state they were asking for. I called the Bank several times to tell them that I did n't have access, especially since they sent all communication and statements to the online account. All anyone would say was that they did n't have access to my account and could n't help me. Throughout XXXX years of unemployment, I tried to find work, but could n't. I ended up borrowing about $ XXXX against the card. I managed to continue payments, even as I was losing my house. I discovered that my online statement was n't what I thought it should be, but I could n't get into the online account to find out what was going on. Again, I contacted the bank, but found no help there. I finally found work in XXXX. Before leaving, I went to the bank in person, although I had never banked with them face to face. The banker took over an hour calling various people, but was finally able to figure out what had happened. At some point, they had raised my interest rate -- informing me via the online account. My regular monthly payment was then less than the amount due, and so incurred penalties and interest. That then raised the payment due, which had a snowball effect. I was then nearly $ XXXX in debt to them, almost as much as the total I had borrowed years prior. The bank and I reached an agreement in which the card was canceled and I would make payments of about $ XXXX for XXXX years. Realize, as I pointed out to them, that since I was moving to XXXX, I could easily have skipped out on the debt. However, I wanted to do what was right. After XXXX years of payments, I received a statement via email with the total in the body of the email, not in the online account. I was shocked to discover that the total owed had not changed. That told me the bank had continued assessing penalties and interest. I stopped paying. Now they are trying to serve me with a summons for a lawsuit, again for just under $ XXXX. Granted, they wo n't have much luck with that with my living in XXXX, but I still hate that I owe these vultures anything. I ca n't prove anything, since any paperwork we signed will be in a file somewhere in a storage unit in Maryland. I 'm going to have to scrounge to even find the account number! I would have no problem declaring bankruptcy, but now that my mortgage has been foreclosed on, I do n't have any other debts. I also do n't own anything ( house, car, property, etc. ) 
",,Consent provided,Web,2015-07-22,Closed with explanation,Yes,Yes,CR1471487,3159
2015-07-16,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-07-20,Closed with explanation,Yes,No,CR1472657,4400
2015-07-16,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-07-16,Closed with explanation,Yes,No,CR1472201,1665
2015-07-15,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank closed my accounts without reason or explanation I 've been a customer in good standing since 1990 and am willing to give any information that will help to get to the root of this unfortunate error. I treat my relationship with the bank with great respect and also am a XXXX for many branches in XXXX XXXX. This situation is very important for me to resolve.. Thank you, a XXXX XXXX 
",,Consent provided,Web,2015-07-15,Closed with explanation,Yes,No,CR1470451,1287
2015-07-15,Bank account or service,Checking account,Problems caused by my funds being low,,"Hello, I opened an account using XXXX and connected my Eagle National Bank checking account information to my XXXX account. I had an item due to XXXX and XXXX attempted to withdraw those funds from my Eagle National Bank account. The funds were not available and I was charged a NSF fee of {$35.00}. I then proceeded to pay my XXXX balance using a different account. The XXXX system is designed to continuously try and gain these funds from the same account daily until the fee is paid. On Eagle National Bank 's side, these XXXX transactions appear to be continuous withdrawals. XXXX continued to charge my account XXXX XXXX different occasions and Eagle National Bank continued to charge me NSF ( {$35.00} ) fees each time XXXX attempted to collect these funds. I have documentation from XXXX addressing Eagle National Bank of these reoccurring charges and requesting that the {$430.00} in NSF fees be removed from my account. XXXX and Eagle National Bank have been unfair, deceptive and abusive. I demand that Eagle National Bank remove the outstanding balance of {$430.00} for NSF charges that I did not approve by XXXX. 
",Servicemember,Consent provided,Web,2015-07-15,Closed with monetary relief,Yes,No,CR1469414,4091
2015-07-15,Bank account or service,Savings account,Using a debit or ATM card,,"I went online at the Eagle National Bank website to set a "" travel alert '' because i was going to italy and wanted to use my atm and credit cards. Now i am XXXX and have tried atms at XXXX different banks and cant withdraw cash. I have done XXXX online chats with b of a, and they have not been able to figure out why the card wont work. they keep basically indicating there is no reason for it not to work. This is insane for a financial institution the size of b of a to mess up like this. I would have a major problem if i hadnt brought a XXXX atm card from my local bank ... it is working fine. 
",,Consent provided,Web,2015-07-15,Closed with explanation,Yes,No,CR1469515,1458
2015-07-15,Bank account or service,Checking account,Problems caused by my funds being low,,"The Eagle National Bank is charging excessive overdraft fees. The charge for being overdrawn less than XXXX hours resulted in a {$70.00} fee. This should n't be legal. 
",,Consent provided,Web,2015-07-15,Closed with monetary relief,Yes,No,CR1468583,1140
2015-07-15,Credit card,,Other fee,,"Eagle National Bank Merchant Services is providing credit card services for my self employed business. They chose to send out a letter that if I did n't respond to, then I was agreeing to services from XXXX for some type of protection coverage. When I realized I was being charged for this I called Eagle National Bank Merchant Services on XXXX/XXXX/15 and was told by XXXX with XXXX XXXX that they would credit my account for this service and credit me for the prior months that they had charged me {$19.00}. Again, this service that I HAD NOT SUBSCRIBED TO, according to them by omission of responding to a sales letter. When my Merchant Services statement came in this month, they charged me again for last month and had not credited anything from the past charges. I spoke with XXXX at XXXX on XXXX/XXXX/15 and was given an Opt Out Ticket number. I also called XXXX XXXX, VP, Senior Merchant Specialist XXXX and left a message of the problem and to this date I have not received a call back from him. I also called today XXXX/XXXX/15 the EN Merchant Svcs XXXX, spoke to XXXX who transferred me to XXXX with XXXX XXXX who stated all fees have been refunded ( based on last month 's same verbal statement, I can assume this is another lie ). I asked for the name, address, and phone number of their credit card regulatory agency ( as stated on your webpage ) and XXXX nor XXXX could provide that for me. I was transferred to XXXX, a Supervisor @ XXXX and when asking for the credit card regulatory agency he gave me : EN Merchant Services - Attn Legal Department - XXXX XXXX XXXX XXXX - Mail Code NCXXXX - XXXX, NC XXXX. I also called XXXX XXXX again today, only to be able to leave a voice mail. I request from this CFPB agency that you have Eagle National Bank Merchant Services refund my charges of {$19.00} for 4 months and any additional months that they have deducted unauthorized funds from my Merchant Services Account. I request from CFPB that you STOP Eagle National Bank from sending out letters that I am volunteering for services "" if I do n't respond to their letter '' that I 'm not even aware that they are going to start deleting monies from my account. This is unprofessional, sneaky and unacceptable. I would also ask you to address this with any governing agency to STOP this type of behavior through our judicial system or advise me who I need to contact. THIS IS FINANCIAL HARRASSMENT. THIS IS UNACCEPTABLE. THIS IS STEALING FROM THEIR VERY OWN CUSTOMERS. All three individuals refused to give me the regulatory agency that Eagle National Bank Merchant Services reports to, via IGNORANCE on this knowledge, another sneaky tactic to not have this reported. 
",,Consent provided,Web,2015-07-20,Closed with monetary relief,Yes,Yes,CR1470022,1580
2015-07-15,Credit card,,Rewards,,"I have a Eagle National Bank XXXX XXXX XXXX XXXX credit card issued to me on XX/XX/XXXX. I have been using this credit card since the day I received it. On XX/XX/XXXX I received a letter from Eagle National Bank saying they closed my account. I pay my monthly bill every month. Never been late on a payment. I had a total of XXXX reward points on my account. Eagle National Bank is telling me since they closed the account that I ca n't redeemed my remaining reward points. They will not disclose to me on their reason for closing my account. Please help me on redeeming my remaining points. 
",,Consent provided,Web,2015-07-15,Closed with explanation,Yes,Yes,CR1470023,748
2015-07-15,Bank account or service,Checking account,Using a debit or ATM card,,"I have a debit card with Eagle National Bank. I have been charged for overdraft transactions that I have n't agreed to. The reason for the charges, as they explained me at the bank, was because the check I deposited was not cleared when I proceeded to use my debit card. As such, I was charged the amount of XXXX dollars each time I used my debit card during the time my account had XXXX funds available ( XXXX dollars in total ). As a debit card holder, I assumed that I would not be able to proceed to transactions when my debit card has XXXX funds. I never agreed to such charges or the service provided as a "" courtesy '' from Eagle National Bank as the employer of Eagle National Bank told me. Important to note that when I opened my bank account ( at XXXX, XXXX location ) they did n't point out that such a service is provided for my account. To me, this does not seem as an implied term, but rather corresponds to misleading information and unjustified enrichment by the part of the bank. The purpose of having a debit card was exactly this, to avoid overdraft charges!!! While using my debit card I was not aware that I did not have enough funds and I did not consent to any overdraft charges. 
",,Consent provided,Web,2015-07-15,Closed with monetary relief,Yes,No,CR1469027,4054
2015-07-15,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-07-15,Closed with explanation,Yes,No,CR1469009,3729
2015-07-15,Credit card,,Credit determination,,,,Consent not provided,Web,2015-07-15,Closed with explanation,Yes,No,CR1468868,13448
2015-07-15,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-15,Closed with explanation,Yes,No,CR1469688,3606
2015-07-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-15,Closed with explanation,Yes,No,CR1469687,221
2015-07-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-09-08,Closed with explanation,Yes,No,CR1469079,2785
2015-07-15,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-07-15,Closed with explanation,Yes,No,CR1469891,4788
2015-07-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-07-15,Closed with monetary relief,Yes,No,CR1470189,1900
2015-07-15,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-07-15,Closed with explanation,Yes,No,CR1468672,5214
2015-07-14,Bank account or service,Other bank product/service,Deposits and withdrawals,,"A friend of mine agreed to wire to my Eagle National Bank ( "" BofA '' ) account a simple {$1000.00}. 
We expected the XXXX weekend to cause a timing inconvenience, but we never expected BofA to take absolute control over my accountissuing unauthorized and unapproved wire transfers out of my account setting upa series of chain reactions. 
It put me at peril because I was unable to meet my rent obligations not oncebut XXXX to my landlord in a XXXX-week 's period. 
First the money is there then it is not, then it is again, etc. 
I lost wages because I had to sit in XXXX ' hot afternoon sun protecting mybelongings from marauders. 
It caused untold amounts of XXXX not knowing what new and utterlyridiculous twists BofA would foster upon my account. 
Furthermore, BofA definitely put me at risk of losing my recently-acquiredjob and career. 
I finally contacted another friend who transferred money via XXXX money transfer service to my account. 
It worked perfectly. 
XXXXThis is what happened ; Instead of wiring {$1000.00} to my account, BofA sent {$1000.00} to my friend 's account. 
This put my account in the red and incurred fines and fees. 
BofA apologized and agreed to reverse the fees claiming it was a simple clerical errorUnfortunately, as wealthy as they are, I would have to wait days until theycould clear up the error, refund my money, and pay me the money owed. 
No way, no how, even though they admitted their error. 
In the meantime, I got evicted due to lack of funds. 
My property was out on the streets. 
And, I lost time at work. 
And, I got assaulted protecting my property. 
And BofA is very sorry. 
Next day, BofA is evidently still on holiday so nothing happens. 
I got a friend to help me out an get off the street. 
The next day, BofA finally credits my {$1000.00} but not only reverses it, they issue another wire against my account incurring more fees and fines. 
This is a nightmare. 
Evicted. again! 
Lost work, again! 
My account is negative and even if a friend sends money, BofA gets it first. 
Of course. 
So, I suffer some more all because BofA ca n't handle a simple wire transfer... 
",,Consent provided,Web,2015-07-20,Closed with explanation,Yes,Yes,CR1466838,574
2015-07-14,Bank account or service,Checking account,Deposits and withdrawals,,"Despite several fraud warning on my accounts with Eagle National Bank, someone has managed to get access to my bank accounts and withdrew some money from them. I have made request for extra precaution be taken while handling my account, but this was not done. After I closed my account, the perpetrator managed to pass Eagle National Bank security screen. the Bank had promised me to call me each time an online or over the phone transaction was taking place. This request although agreed upon by Eagle National Bank was not followed which has led to the lost of my funds, and credit potential, putting my business at risk. The Fraudulent person had information about the account, that I that opened it, never even received. I have asked the bank for a written update on the investigation performed, so that I have an understanding of the information the perpetrator has, and up until today I do not have any information from Eagle National Bank as to how those transactions have occured, or what type of security questions where asked. 
To date, a fraud has my information, and I am not able to tell you what type of information the person has, yet, the bank has it and will not disclose. Ultimately this is a direct result of the bank failing to follow the directions clearly written in a high profile identity theft victim profile. 
",,Consent provided,Web,2015-07-14,Closed with monetary relief,Yes,No,CR1467891,1931
2015-07-14,Bank account or service,Checking account,"Account opening, closing, or management",,"During end of XXXX, 2015 - I opened Eagle National Bank Basic checking account as part of the promotions whichs says:1 ) XXXX direct deposits of {$2000.00} or more within the first XXXX days. 
2 ) Either have a direct deposit of {$250.00} per month or maintain an average daily balance of {$1500.00}. 
Both the conditions were met much before end of XXXX, 2015. I was told in various customer service chat and otherwise on the phone that if the conditions are met then within XXXX days they will give me the {$300.00} promotional cash back bonus. I keep on following up during XX/XX/XXXX on wards - i keep on getting different versions like "" we are still doing verification etc ... '' All my direct deposits were qualified direct deposits. But it 's more than the stipulated XXXX weeks and i am yet to receive my {$300.00}. I am just spending time and efforts in terms of following up on this issue to get nothing out of it. 
",,Consent provided,Web,2015-07-14,Closed with monetary relief,Yes,Yes,CR1466470,11252
2015-07-14,Bank account or service,Checking account,Deposits and withdrawals,,"I had several fraudulent charges that appeared on my account. I had made several appointments with XXXX local banking centers to resolve the issues. The banking center were a party to the delays in reporting the claims and as a result my account accrued additional fees and surcharges. 
Examples of the fraudulent charges : Major retailer charges without the store number associated, multiple charges on the same day containing the same transaction number for various amounts, charges at local gas stations for XXXX and XXXX my normal charges, Schedule rollovers being delayed, Transactions where the major city and state do not match, holds being placed on my account for ghost transactions, my account being charges a fee for reporting fraud. 
",,Consent provided,Web,2015-07-14,Closed with explanation,Yes,No,CR1467269,992
2015-07-14,Credit card,,Balance transfer,,"am having an extreme problem with my credit card. Following is the sequence of events that have occurred to date : Called Eagle National Bankn spoke to XXXX XXXX around XXXX XXXX about rates for a balance transfer. He informed me that he could offer me a rate of 3.99 % for 1 year. He also stated that he did not know how long this offer would be available and that if I wanted to go ahead and make the transfer from my XXXX account in the amount of {$4800.00} to EN I could do so and if I changed my mind the transfer would not go thru as long as I called back before the following Monday. 

On XX/XX/2015 I called and spoke to XXXX XXXX and told him that I had changed my mind and did not want to do the transfer. It occured anyway. 

I called on XX/XX/2015 and spoke to XXXX XXXX and he said it would be taken care of and that they would transfer the balance back to EN with a 0 % rate for 1 year. This did occur but in checking my XXXX statement they made the payment but then EN sent it back to XXXX in the amount of {$4800.00}. 

My original balance on my EN card was {$4500.00} with the balance transfer of XXXX that brought my balance to {$9400.00} But instead of having a XXXX balance on my XXXX XXXX, which was the goal, I now have an additional balance of XXXX that I do not owe which EN ca n't seem to explain. 

I have spent a considerable amount of time and money in an attempt to get this resolved and it is not only frustrating but very unsettling that such incompetence is in charge of my money. 
No doubt this will also have an affect on my credit report as well as my interest rate with XXXX. 
Could you please check into this and get it resolved for me? I ca n't get through to EN and they really do not seem to care. 



Thank you, 
",,Consent provided,Web,2015-07-14,Closed with monetary relief,Yes,Yes,CR1468240,1978
2015-07-14,Credit card,,Billing statement,,"I opened up a XXXX "" Outdoor Rewards '' Master Card. I did not get a "" XXXX '' statement. The XXXX statement I received said that I missed the XXXX payment and I was being assessed a {$25.00} late fee plus {$7.00} in interest. I called the customer service number and "" XXXX '' said that she could not help me and take the late fee off due to my accnt. being delinquent. So, according to them, it is my fault that I did not make the XXXX payment ( even though there is no way I could have not having received a first statement ). 
",,Consent provided,Web,2015-07-22,Closed with explanation,Yes,No,CR1467746,2222
2015-07-14,Credit card,,Credit card protection / Debt protection,,"We had CC protection on a CC from BofA so if I lost my job it would continue to be paid. It was an insurance policy. All of my other CC 's froze the account and payments where made from the insurance to keep my credit good while I was unemployed. BofA decided to immediately move the interest rate from 7 % to 29 % for no reason other than they could see I was unemployed. The insurance kicked in and instead of the payments making a dent into the principal it all went to their interest since it was now so high. We called and they said they could do this since I was unemployed yet we never missed a payment or made a late payment. We decided to close the account and refused to continue paying them. A XXXX later they decided to settle the account for {$.00} on the dollar but by then my credit was ruined. No other CC did this practice of raising the interest, just BofA. And yet our government bailed them out ... .how wrong is that. 
",Older American,Consent provided,Web,2015-07-14,Closed with explanation,Yes,No,CR1466801,223
2015-07-14,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-07-15,Closed with explanation,Yes,No,CR1467345,4816
2015-07-14,Credit card,,Credit determination,,,,Consent not provided,Web,2015-07-20,Closed with explanation,Yes,No,CR1466828,7800
2015-07-14,Credit card,,Other,,,,Consent not provided,Web,2015-07-14,Closed with non-monetary relief,Yes,No,CR1467706,4467
2015-07-14,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-14,Closed with explanation,Yes,No,CR1466773,13102
2015-07-14,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-07-14,Closed with explanation,Yes,No,CR1466857,3984
2015-07-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-07-14,Closed with explanation,Yes,Yes,CR1467444,1978
2015-07-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-07-14,Closed with explanation,Yes,No,CR1467323,459
2015-07-13,Bank account or service,Checking account,"Account opening, closing, or management",,"i have a checking account with Eagle National Bank, in My i was hit on my account ( fraud ) for {$700.00}, comanies i never heard about, talkin to my bank clain agent she said yes they are fraud and credetit me with XXXX Thern i got a new debit card and account #, thought i was safe until the beginning of this month. I receive XX/XX/XXXX checks on the XXXX each month, this month i receive it on th XXXX. What ido is pay ALL my bills, even ahead of time except my mortgage, which is done electronically on XXXX. I was hit with fraud on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. for about {$1200.00}. I called the bank and started a clainm, it was denied, they said it dint follow a scammers pattern, so here i an with XXXX tomy name for a month, i have lupus and very serious pain from XXXX that XXXX dr 's can not diagnosis me, this is goin on 2 years. I went to see my branch mgr abd she helped with with a XXXX clain, i have the charges belowXXXX on XX/XX/XXXX for XXXX prepaid XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX other XXXX was ther but i know they didnt pay it, i believe it was around XXXX i was making my claim i told the woman that i called these companies and they said i didnt even have an acount with them ... .I called next day to fraud mgr, who told me it was denied, i pleaded and told him im broke, he didnt care, i then opened another dispute claim, havent received papers yet, but i asked th mgr if i couldtalk to the investigators and tell them all i tried to do. They openened a hardhip case and that was denied, i am in pain 12 hours a day until i go to sleep, wake up and pains there, i asked the mgr if i could tak to them and he said no, the case is closed. I found you and i do believe ill be able to have a hearing or someway i could talk face to face ... With all this info i cant see how they turned me down. and most messed thing is they PAID all these companies on XX/XX/XXXX!!!!!!! leavin my mortgage there, next month ill be a month behind, Please help me, all this is the truth..If they pulled my other bill payin they would see my patterm and why would i wipe out my account ... .Thank you : ) 
",,Consent provided,Web,2015-07-13,Closed with monetary relief,Yes,No,CR1465145,4463
2015-07-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My complaint is against Eagle National Bank and their handling of my mom 's payable upon death accounts. My brother, sister and I were told over the phone to come in, bring the death certificate, identification and we would be issued a check for our money at that time. Instead, when we arrived and filled out the appropriate paperwork and provided identification, they informed us that we had to wait 15 days for their legal department to review our request. They would n't say why they needed to review, but they just needed to review as "" policy ''. After we objected, they said they could get us our money in 3 days. But that 's not what we were told over the phone. But it does n't start here ... when our mother tried to set up the beneficiaries for this account years ago she was told everything was set, but was always curious why not all our names were on the account. We brought this up at a branch in Florida and they said that "" all the names did not fit on the line but that it 's set ''. Upon further questioning, it turns out the account was set up incorrectly, and not all our names were on there. After hours of trying to get a straight answer, and dealing with rude people, the account was set up correctly. And then she passed about five months later. Shortly after, our brother who is the trustee of the accounts, went to see the procedure to get the money at a B of A located in XXXX XXXX, XXXX. He was given a form to fill out, but then the bank representative refused to notorize it, claiming "" we were not a customer of the bank ''. You meant to tell me that having more than $ XXXX in our names does not count for being a customer of a bank?? The service and ineptitude at B of A, in their XXXX, XXXX branch, their XXXX XXXX, IL branch and their XXXX XXXX branch is appaling. And what 's their resoning to keep our money for 15 days as part of "" policy ''? We went to the XXXX XXXX XXXX where our mom had $ XXXX and we went right up to the teller and she gave us our money. I understand credit unions are supervised by another regulator, but the Federal Reserve should look into this "" policy '' of B of A -- and what 's that policy bringing them -- probably millions of dollars in banking revenue for them. They have no right to put a so-called "" hold '' on our money. 
",,Consent provided,Web,2015-07-13,Closed with explanation,Yes,No,CR1464501,1958
2015-07-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"This is a follow up to case XXXX and XXXX, as there does n't seem to be a way to amend an ongoing complaint. After explaining to Eagle National Bank in faxes, via chat, via email, etc., that answering a telephone causes me physical pain, their Executive Response team called me at XXXX today, causing further physical pain, and the necessity for me to take pain medication that makes it difficult for me to continue working today. As I am paid by the hour, I am looking at an additional loss of income in addition to what they have already caused me. 
",,Consent provided,Web,2015-07-13,Closed with explanation,Yes,Yes,CR1464110,4262
2015-07-13,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-07-13,Closed with non-monetary relief,Yes,No,CR1464966,4636
2015-07-13,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2015-07-13,Closed with explanation,Yes,Yes,CR1466011,3722
2015-07-13,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-07-13,Closed with explanation,Yes,No,CR1465119,599
2015-07-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-13,Closed with explanation,Yes,No,CR1464041,516
2015-07-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-08-03,Closed with explanation,Yes,No,CR1464379,6474
2015-07-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-07-13,Closed with monetary relief,Yes,No,CR1464488,2708
2015-07-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-13,Closed with explanation,Yes,No,CR1464232,3079
2015-07-13,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-07-13,Closed with non-monetary relief,Yes,No,CR1465233,3450
2015-07-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-07-13,Closed with explanation,Yes,No,CR1466297,4054
2015-07-12,Bank account or service,Checking account,"Account opening, closing, or management",,"Back in 2010 when I was a XXXX in college, I opened an account with Eagle National Bank. They closed my account in less then a week due to what they claimed suspected fraudulent activity. I called the bank to find out what happened and no one could give me a clear answer. They told me the account was closed and that was it. A few month ago ( 5 years later ) I tried to open a new Eagle National Bank checking account, they refused me but the teller could n't tell me why so I had to wait to speak to a banker. When I finally sat down with a banker they told me that I owed the bank {$50.00} in fees they charged when closing the account, fees for which I should n't be paying because I had funds in the account when it was closed. They said that I needed to pay before they can reopen the account, so I asked for my old statements and they told me they ca n't provide it because the account was closed due to fraud. I asked what the suspected fraud activity was because they never told me, they just closed the account without confirming with me and reported me the XXXX. Now if they suspect fraudulent activity on my account should they tell me what it is? Or what went wrong so that I can fix it? Also it 's been years since the account was closed and I already paid them the {$50.00} they say that I supposedly owe them yet they have not reported that the matter has been settled to XXXX and are still reporting negative information about me which is n't factual. I 've never had any fraud on my account, and even if so the bank was suppose to verify with me instead of just closing my account without my knowledge. So now I am unable to open a new checking account because Eagle National Bank has reported me to XXXX for reasons I still do n't know and they wo n't tell me, and I 've paid the {$50.00} they said I owed so they are suppose to update the information with XXXX and remove my me from there. 
",,Consent provided,Web,2015-07-12,Closed with non-monetary relief,Yes,No,CR1463748,4442
2015-07-12,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"I had problems with my account awile back which I complained to "" higher ups ''. Not exactly sure who they were. Seems as though nothing happened. The Bank allowed a third party, whom I do not know, and I believe I had password protection, did not help, to say bills I paid were not legitimate ( not quite sure what they said, just my guess ) because all of a sudden I had this balance in my account. The folks doing this were alleged "" loan officers '' from whatever name they used. I was not happy. Called the bank first to have these transactions reversed immediately. I like to try and pay my bills. I argued at length with the phone reps telling them I was not the one who called in making these claims. I was sure they kept records of there calls, asked them to research. Finally I went to the branch I usually use. Spoke To XXXX, president, he too shook his head no when I began to explain that a third party did what they did. Got more frustrated. Mentioned I 'd already called the bank and so forth. Then he begins to lecture me on things he 'd previously told me. I had not made the same mistake. And why was my account even open to them when I had password protection? For some unknown reason they stopped asking what my password was. I had noted that when I called because the person answering the call did not ask me, nor the next person. 
So at some point, and days later, I submitted an email to XXXX hoping he 'd READ it and understand. He has a one track mind, he simply said I am messing up. No I was not. So I sent back an email saying I 'd chalk it up as him being a man. Later I received an email from the woman who opened my account not to send 'harassing ' emails to XXXX , and not to send them to her either, or they would report me to their whomever and discontinue my account. Followed by how nice they been with me. Well, hell, it was their error I had better receive those fee credits!! they were so nice to give me. Later XXXX writes or calls telling me because my payment did not go through I must pay cash or money orders. Again went back to the bank, asking them to send a letter to optimum this was NOT my fault so my being able to pay by debit card would be reinstated. I tried on about XXXX separate occasions. Said they did finally. Unfortunately that was not the truth. I have stayed with the bank, but I never walk in there again. I have no desire to see these people. Not for any other reason than I am angry and hurt. They were way off base. 
I have kept the emails, which I offered to submit to the bank. They refused them. 
I HATE EN as a result. 
",,Consent provided,Web,2015-07-12,Closed with explanation,Yes,No,CR1463733,1999
2015-07-11,Bank account or service,Checking account,Problems caused by my funds being low,,"I was overdrawn by {$150.00} in one Eagle National Bank account and due to fees, am now overdrawn by {$800.00}. Without the fees I would be able to pay off my debt without issue, however I do not have the means to pay the exorbitant fees that have been tacked on to this balance. I would like to be able to work out a way to equitably resolve this debt. 
",,Consent provided,Web,2015-07-13,Closed with monetary relief,Yes,No,CR1463292,189
2015-07-11,Credit card,,Late fee,,"I tried to resolve a late payment issue with the customer service representative, XXXX and she was unwilling to listen to my problem and only wanted the fee. As I explained I have never been late, always paid in advance but I recently asked to get a new number because I thought my card may have been compromised. I stated that I was on vacation and that I ca n't tell what happened to the scheduled payment as the old account was closed. I informed XXXX that I would pay off the account in full today but please waive the late charges. She refused and stated she did n't have the authority. I asked to speak with her supervisor, which I left s message to call me back. Of course, the supervisor did not call me back. As a result of my poor experience, I cancelled my card and paid in full. Still no call from a supervisor. 
",,Consent provided,Web,2015-07-11,Closed with monetary relief,Yes,No,CR1463594,3007
2015-07-11,Bank account or service,Checking account,"Account opening, closing, or management",,"Have had Eagle National Bank XXXX checking for XXXX years maybe XXXX from XX/XX/XXXX til XX/XX/XXXX. What made me breakup my relationship with them is that, usually when I deposit a check, I have either 50 to 70 % of that paycheck available and onetime I when to buy transit fare, they charged me for overdraft despite the money was there and available, this continued XXXX or XXXX more times without my balance ever dropping to {$0.00} balance. The fee 's would multiply and pop-up and cleaning me out. So I tried cutting my ties and these ridiculous penalties they pressed upon popped up and I was n't happy and just opened another account with a local bank. They closed my account after a week or XXXX without me being able to settle and I was reported to XXXX. I settled my balance with them after a month but I can not open any new accounts, not even with my wife 's name attached as a joint holder. I just moved and my current bank is nowhere near my home and i have to spend either XXXX minutes to an hour after my XXXX shift to deposit or withdraw funds or wait til I 'm visiting my sister 's home and making a quick stop to check my account. 
",,Consent provided,Web,2015-07-11,Closed with explanation,Yes,No,CR1463494,3050
2015-07-11,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-07-11,Closed with explanation,Yes,No,CR1463298,4525
2015-07-10,Bank account or service,Checking account,Problems caused by my funds being low,,"I am soliciting your help in reversing an illegal fee charged to my account with Eagle National Bank on XXXX XXXX, 2015. My account had a balance of {$220.00} on XXXX XXXX, 2015 when a check written for {$200.00} was posted to my account. I spoke to a representative who advised me that there were insufficient funds to cover this check. This is very misleading because my account showed a positive balance of {$26.00} after this check was posted on XXXX XXXX, 2015. My account only went into the negative after the overdraft fee of {$35.00} posted to the account XXXX XXXX, 2015 creating a negative balance of ( {$8.00} ). This fee created negative balances for all purchases posted on XXXX XXXX, 2015. Please see evidence of transaction activities attached. 
",,Consent provided,Web,2015-07-10,Closed with monetary relief,Yes,No,CR1462545,4724
2015-07-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I am using Eagle National Bank online bill-pay to send bank-issued checks to payees. When setting up a payment I can choose the "" deliver by '' date. In the past the checks would always reach the payee by the "" deliver by '' date ( or sometimes even earlier ). However for the past year ( or so ) the checks NEVER arrive by the "" deliver by '' date but they reach the payee 1-2 business days after that date. I contacted BofA customer service on XXXX different occasions and they claimed that "" everything is normal '' from their end and that the checks may be "" delayed by the post office ''. Unfortunately the envelopes are not postmarked so there is no way to know when the checks are actually mailed. However ( 1 ) the BofA checks are always & consistently late by 1-2 business days ( 2 ) the checks are similarly delayed for XXXX-XXXX different payees I am in contact with and ( 3 ) all other mail seems to arrive within 1 or 2 business days from the postmark date. All these point to the conclusion that the delay is with the bank and not with the post office. It also seems that the bank misrepresents the free bill-pay service providing a "" deliver by '' date that is never met, presumably as an indirect way to promote other paid-for alternatives. 
",,Consent provided,Web,2015-07-10,Closed with explanation,Yes,No,CR1461533,2341
2015-07-10,Bank account or service,Checking account,Problems caused by my funds being low,,"I called the Eagle National Bank customer service phone number two days before a transaction took place explaining that they must lock the transaction I called the bank two days before a transaction took place explaining that they must block the transaction and that It would be an error and the third-party XXXX XXXX XXXX agreed. I even spoke to the supervisor explaining can not let the transaction take place if it was the pass again and usually my count is never over drawn to the success and two days later it was in the amount of at least {$470.00}. It 's took place on a day that I really needed access my fun and causing great hardship not to mention be from both Eagle National Bank themselves and other bank branches and Eagle National Bank said they were unwilling to waive the late fee and he said enrolled me in a program that I did not agree to which has caused me receiving more late it 's took place on a day that I really needed access my fun and causing great hardship not to mention be from both Eagle National Bank themselves and other bank branches and Eagle National Bank said they were unwilling to waive the late fee and he said enrolled me in a program that I did fees returned items. Their business practices are unscrupulous and they do not explain anything fully before they do it and they are committing fraud. They are not telling me XXXX on the online website XXXX my mobile app in my account balance will not cover certain transactions until after they post the returned item Fees. They are charging me repeated excessive {$35.00} each 
",,Consent provided,Web,2015-07-13,Closed with explanation,Yes,No,CR1462250,399
2015-07-10,Bank account or service,Checking account,"Account opening, closing, or management",,"I have a complaint about my bank. On the morning of XXXX/XXXX/15, my husband and I called the Eagle National Bank cust. serv line to get clarification of how to use an access check issued by EN.We asked if it would be okay to make the access check payable to the party and mail it.The rep. said, "" XXXX XXXX, make the check out to your wife. XXXX XXXX you should take the check to your local EN, cash the check, and have the bank teller make out a cashier 's check to the party. '' I walked into the bank explained that I was there to 1. Cash an access check from my husband made out to me. 2. Place the funds in a cashier 's check to be made out to our party. After about 20 or 30 minutes, I went to the counter to ask about my transaction. The teller looked at me as if I was a thief. She told me that they were obtaining an access code. She cut her eyes at me while asking me to sit down. 10 minutes later, I was asked for a copy of my Drivers lic., informed that they could not cash my check because they were unable to get an access code. I explained to the bank teller that there must be some mistake. I showed the teller the number I called, and asked if she could please call to verify her information. As if I were a fly she needed to shew away, the teller abruptly and rudely said, "" We have our own numbers we call. '' My cell phone was dying so I made one call to my husband. He advised that I just deposit the check into my account. Humiliated and perplexed by my treatment, I asked the teller if I could just deposit the check. The teller looked at me with disdain and sharply said no. I left. I left perplex, hurt, and humiliated. That evening I called the preferred customer line to explain what happened and to try to make sense of it all. I also called to get clarification as to why would one representative give us instructions and not add to her notes the access code. Once the preferred customer service Rep ( A ) was on the phone, I explained my situation. After listening, the preferred customer service representative was perplexed too, her response, "" there 's no access code needed for an access check. You just cash it. '' But, to not give misinformation, she put me on hold to verify if an access code was, in fact, required. When the preferred customer service rep returned. She said, "" XXXX XXXX, I am so sorry but they did not need an access code to cash your access check. '' I asked representative A to please remain on the line as I called the branch for a conference call. She agreed. I called and asked to speak to the manager or supervisor. We were transferred to a representative identifying herself as the branch supervisor. The preferred cust. ser. rep. A proceeded to take the lead on the call. She explained the situation at my request. She also explained that an access code was not needed for an access check. The supervisor explained that they needed one. Immediately, the preferred customer representative called the department responsible for issuing access codes. At that time, she learned that no access code was needed nor required and conveyed it to the local branch supervisor. The branch supervisor then gives me the manager 's number. I told her that it is perhaps best that I first get some clarification on what may have gone wrong before speaking with the manager. Representative A was shocked. She expressed her embarrassment and suspended the call. I called back, cust. serv. Rep. B be agreed to conference in on the call at my request. During this call the rep called another department to verify or dismiss the local bank 's reasoning for refusal of service and found out that at the very least the bank should have deposited the check! When we hung up the pref.cust. rep. ( B ) apologized repeatedly. She said, "" There is no justifiable reason why they did not serve you. '' A discrimination complaint was filed. 
",,Consent provided,Web,2015-07-15,Closed with explanation,Yes,No,CR1461317,1760
2015-07-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I received a bill for a "" expedited payoff ''. I did not request this therefore is does not belong to me, nor did I agree to this! 
",Older American,Consent provided,Web,2015-07-10,Closed with explanation,Yes,Yes,CR1461331,1391
2015-07-10,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank hit my account with over {$200.00} in over draft fees unfairly for {$10.00}. My Eagle National Bank phone app showed me that I had funds in my account so when I needed to purchase something I did. The next day the EN app showed me that I was over drafter by {$10.00}, I went into a EN branch the same day which was a Sunday where a banker told me that because it was a weekend I had until the end of the next business day ( Monday XXXX to make a deposit before I received an over draft fee.So I made a {$60.00} deposit, my account should have evened out, yet by Monday afternoon they charged me {$100.00} in fees for each of the transactions made over the weekend which only totaled {$10.00}. When I called customer service they were of no help, I explained to them that I made a deposit in my account on Sunday before the next business day as their policy states so I should not have been charged with the OD. But the rep told me that there was nothing they could do for me, given that my account was over drafted due to their fees, I was unable to use it so I was shocked to find out that EN then charged me an extra {$35.00} OD fee for an attempted charge on my account. I apparently had an auto transfer set up for my savings account, which was attempted but not successful since I no no funds in my account. Yet EN still charged me {$35.00} for the attempted transfer which I explained to them was automatic and that I was n't aware of. It is n't fair that I have to pay a fee because someone else tried to debit my account and they did not honor their own policy of not charging me an overdraft fee until the next business day. So they have now succeeded in charging me {$220.00} in fees for being over drafted {$10.00}, that is beyond excessive. When I went into a nearby EN branch, the banker told me that they charged me because I apparently had Over draft protection on my card which allows transactions to go through even when funds are low. I told him no one ever explained to me how the over draft protection worked. Why in the world would I want purchases to clear on my card if there were no fund and I had to pay fees for it later, that just makes no sense and I would never agree to such a thing. They mislead people with that program. They also charged me over draft fees for 2 purchases I made on a Thursday when I had funds in my account, however EN charged me for the purchases the following Tuesday. When I complained, the customer service rep told me that EN reorders your purchases, so the highest amount gets cleared first before the lower amount. This is beyond absurd, so they basically held my purchases from thursday XXXX purchases I made when I had money in my account ) and waited till I made new purchases and reordered them. So purchases made later where processed first because the amounts were higher and XXXX proceeded to charge me for the thursday purchase the following Tuesday. This is an unfair practice, when I purchase something on my card I expect it to go through right away, not held until I make a larger purchase and reordered. This is ridiculous and is how they put their customers into Over draft so that they can collect fees. This is the worst bank ever, its one thing after the next with them and their customer service is never helpful. I 'm just sick and tired of them taking advantage of their customers. I am definitely closing my EN account as soon as I get this situation sorted out. It just is n't fair. 
",,Consent provided,Web,2015-07-10,Closed with monetary relief,Yes,No,CR1462892,4524
2015-07-10,Credit card,,Late fee,,"Here 's the short version ( the detailed version is in a letter I will attach ). In XX/XX/XXXX I was talked into taking out a "" Redcard '' credit card at a Target store. I was told that the credit card would entitle me to a small discount on my purchases and also a free XXXX coffee that day. After filling out an application in the store that day, I was given a paper receipt good for a short time as a temporary card and told that they would mail a credit card to my home address ( which is a house my husband and I own, that I have lived at for many years ). I used the card that day to buy items. I never received the card and also never received a billing statement which I expected to appear around XX/XX/XXXX given the timing of my purchase. When I had not received the billing statement by XX/XX/XXXX I called Target. I had a very hard time making contact by phone with their card representative ( the card website and chat were down or people told me they could not help me ). When I reached a live person I discovered that I not only owed the cost of the purchases but had been hit with an additional XXXX dollar late fee for not paying the bill, which I had also never received. That day in XX/XX/XXXX, I paid the entire bill and closed the account since I had never gotten the card or the billing statement and was afraid that I might be hit with more charges. The customer service person who closed my account tried to talk me into keeping it open saying they "" might '' be able to waive the XXXX dollar late fee but since it was n't a sure thing and I had no idea where my card or bills had gone I did not feel safe keeping it open. After I closed the account, I learned that the company is required by law to send you a bill within a certain time and if you do n't get it then you are within your rights to complain, so I sent them a long and detailed complaint asking that they ( a ) refund the XXXX dollar late fee, ( b ) refund any interest they charged on the purchase beyond the XXXX billing cycle ( as I normally pay off the bill when I get it and never even had a chance to do that - I could not even use the temporary piece of paper to open an online account to check balance, I never knew my card number because it never came ) and ( c ) remove any harm to my credit report from this situation. I am NOT disputing the amount for the items I bought in XX/XX/XXXX, I 'm happy to pay for those, but I 'm angry that they did not send me either the card ( which after a certain number of days, meant I could n't get the discount I was promised shopping at Target as I needed card in hand for that and they could n't just look up the number ) or a bill until interest AND a late fee had already racked up. I received a response from Target to my complaint basically blowing me off and saying "" we sent it to your address on record so we 're not waiving anything ''. So in a nutshell, I never got the discount I was promised, never got my card, and was charged a late fee and interest on top of my purchase price because their card and bills never reached me. I have no idea why it would not have reached me, except that there are XXXX streets with same name as mine ( XXXX XXXX. ) in XXXX area and occasionally our mail has been misdirected to XXXX of the other streets or we have gotten mail for XXXX of the other residents. I really feel ripped off because other than a free XXXX coffee I got NO benefit from this Target card and it seems like it was just a scheme to never send me the card for the discount and then rip me off. I hope you can help me. I am going to attach the letter I wrote Target about the situation. Although this is n't directly related to the complaint, I 'm especially upset because in XX/XX/XXXX and XX/XX/XXXX my mother has been seriously ill and nearly died in XX/XX/XXXX and I do n't appreciate having to hassle with a credit card company over something as simple as this right now. 
",,Consent provided,Web,2015-07-10,Closed with monetary relief,Yes,No,CR1462192,939
2015-07-10,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-10,Closed with explanation,Yes,No,CR1462816,1439
2015-07-09,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank, after my previous complaint, once again discriminated against me by refusing to provide me with the information necessary to assist a client who was XXXX, but her EN account was frozen and she was unable to purchase food. I informed the representative that I was an attorney representing a client. Once again, I was refused assistance via chat, and via email. I was attempting to find out how to submit a power of attorney from my client so that I could determine what was happening with her account, and assist her. I was told that I was "" required '' to use a TTY. When I informed the representative that this would be a breach of attorney client privilege as a TTY would force me to disclose confidential client information and PII through a third party, I was told that this was the only accommodation they provided. When I requested chat, email, or fax addresses for their legal department, I was told that information was unavailable. I wasted many hours between chat, emails, and faxes, attempting to resolve the issue for my client who was in a desperate situation. The representative told me that EN "" does not accept '' powers of attorney. 
",,Consent provided,Web,2015-07-09,Closed with explanation,Yes,No,CR1458799,3484
2015-07-09,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited a {$2000.00} check at my local Eagle National Bank branch in XXXX, AZ on XXXX XXXX, 2015. At the time of the counter transaction, the teller assured me that the funds would be available next day XXXX XXXX XXXX ). On XXXX XXXX, the funds were available as promised. I proceeded to use some of the funds that were made available. At some point on XXXX XXXX or XXXX, the deposit was placed on "" hold '' by EN without any notification to me. My inquiry to the EN "" risk department '' resulted in me being told that the deposited check for XXXX had been returned by XXXX Bank. My research into that fact on XXXX XXXX indicated that the check had processed successfully from XXXX Bank to EN, and that it had never been returned as indicated by the EN risk department. Seeking an explanation for both the delayed "" hold action '' and the deceitful misinformation, I re-visited my local branch in XXXX, AZ. The branch manager, after reciting the numerous regulations and bank policies which authorize EN to do whatever they want, agreed to contact the "" risk management '' department and get an explanation for me regarding the "" returned check '' excuse offered earlier. Surprisingly, they admitted that the check had not been returned ( as conveyed to me earlier ), but rather that the "" hold was placed due to other risk factors involving the deposited check and my account ''. As a consequence of the "" delayed hold '', numerous debits bounced/were reversed and fees incurred. In the final analysis, the hold was confirmed by EN for XXXX days, and no explanation or apology provided for ( a ) the initial unauthorized assurance of the funds availability, XXXX b ) the "" hold '' without notice, or XXXX c XXXX the misinformation conveyed to me regarding the returned deposit that never happened. It seems that EN employees are not expected to speak the truth when asked a direct simple question. Although the action by EN has resulted in a modest financial loss to me of only about {$2500.00} XXXX fees, reversed transactions, associated penalties from creditors for reversed transactions XXXX, it certainly exposes the true character of a bank which I have been using for ten years in 4 states. 
",,Consent provided,Web,2015-07-09,Closed with monetary relief,Yes,No,CR1460099,2958
2015-07-09,Bank account or service,Checking account,Deposits and withdrawals,,"Last week I was victim of a vacation rental scam. After inquiring about the rental property being available on the XXXX weekend, I was told by the renter to submit a check for {$1000.00} to an account number he provided via email. On XXXX XXXX I brought the check to Eagle National Bank to submit the deposit. I was informed at the time that the account was new and that {$850.00} would be available to the renter on XXXX XXXX. After returning home from the bank, I sent an email to the renter to notify that the check was deposited. On XXXX XXXX I received word from the renter that he had seen the deposit. I then requested a receipt and phone number but did not receive either XXXX. Later that day I had my son get on the XXXX website where I found the rental. He inquired about the property and received an email that it was available on the exact dates I just paid for. This obviously was a vacation rental scam. The next day I went back to Eagle National Bank and told my situation to a customer service representative and he contacted their fraud department with all the information I had that included the contract, deposit receipts and website information. Since it was obvious that the rental was a scam, I asked that the check be placed on hold. Remember that {$850.00} was not going to available until XXXX which would give ample time for the fraud department to act upon the scam. Eagle National Bank DID ABSOLUTELY NOTHING! They allowed the check to go through and I 'm now out of {$1000.00}. Because of this incompetence I have had to spend hours closing my checking account, filing a police report, contacting sure pay accounts, filing a scam report and spending time talking to your representative. Why have a fraud department if they 're not going to do anything? 
",,Consent provided,Web,2015-07-14,Closed with explanation,Yes,No,CR1459175,3123
2015-07-09,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"The Eagle National Bank XXXX pay language is very misleading. When choosing how to pay your credit card it gives you multiple options, one option is "" Amount Due '' which you would think would mean the amount you spent that month but it actually means the minimum amount. If you want to pay the amount actually due on your credit card bill you have to choose "" Pay Balance '' which is confusing because this language differs from most other credit card companies. I find this wording particularly confusing. I have spoken with multiple people about this and many have had similar experiences and incurred extra fees as a result. 
",,Consent provided,Web,2015-07-09,Closed with explanation,Yes,No,CR1460045,680
2015-07-09,Bank account or service,Checking account,"Account opening, closing, or management",,"This complaint is about maintenance fee being charged on checking account by Eagle National Bank. Recently, since last 2 months or so, EN changed how to charge maintenance fee. Checking account information clearly mentions that a monthly fee will be charged for checking account if average monthly balance is less than {$1500.00}. However, since last 2 months, EN has started charging monthly fee when bank balance is less than {$1500.00} even for one day and your monthly average balance is more than {$1500.00}. When you complain, they will give you credit but have not changed their method/algorithm to calculate monthly fee. 
",Older American,Consent provided,Web,2015-07-09,Closed with explanation,Yes,No,CR1460819,2421
2015-07-09,Bank account or service,Checking account,Problems caused by my funds being low,,"When I opened my checking account with Eagle National Bank XXXX years ago, I deliberately declined to opt in for overdraft protection. My hulu payment through XXXX accidentally overdrew my account XXXX days before my direct deposit. It was my understanding that this should have been declined since I opted out of overdraft protection. A BAC customer service representative told me in writing that opting out of overdraft protection had no effect whatsoever on my account and I was penalized {$35.00} for the overdraft. 
",,Consent provided,Web,2015-07-09,Closed with monetary relief,Yes,No,CR1459598,11379
2015-07-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,"XXXX vs Eagle National BankSo after spending my last few minutes with XXXX from XXXX Venting .... 

I decided to share this mishap with these great institutions to big to fail. However, they can XXXX me out of {$2600.00}!! 

As an online bill payment customer of XXXX, I process a mortgage payment that had the wrong account to EN. They informed me they rejected the payment ; XXXX informs me they accepted the payment and thus my continuing adventure in the XXXX dollars banking black hole has begun!! Frustrated and flustered XXXX customer. 

Thank you for contacting us about the following XXXX ( XXXX ) bill payment transaction ( s ) : Date Posted : XX/XX/2015Amount : $ XXXXWe understand that you are disputing fees that the payeecharged you, but we need proof of the fees on a documentissued by the company. Please include the companycontact information and the fee amount and send it to us : - Attach it to a response through the Secure MessageCenter. 
- Fax it to XXXX, or. 
- Mail it to XXXX XXXX XXXX, XXXX, TX XXXX. 

If you require further assistance, you may contact us atXXXX. International customers, please callXXXX. Our Customer Claims Analysts are availableXXXX hours a day, XXXX days a week. 


Thank you, Customer Claims DepartmentCATEGORY : Re : Bill Pay Inquiry - DetailTo XXXXEN states the followingThank you for your Internet inquiry addressed to theCustomer Service Department pertaining to your homemortgage. 

Please be advised, the account number referenced did notmatch an active loan, so your payment was rejected. 
Please contact your financial institution to see whenfunds will be credited to your account. 

Thank you for communicating with us electronically ; weappreciate the opportunity to be of assistance. 
Original Message : I think I sent payment to old account -- -- -ORIGINAL MESSAGE -- -- -Thank you for bringing your concern to our attention. Itis my pleasure to assist you with your banking needstoday. 

We confirmed that your payment was sent electronically asinstructed with details as follows : Payee name : Eagle National BankPayment amount : $ XXXXSend On date : XX/XX/2015Payee account number : ending inPlease keep in mind that due to circumstances beyond ourcontrol, some transactions may not arrive by the? DeliverBy? date. These circumstances can occur due to delays inhandling and processing payments by other companies orfinancial institutions. An incorrect payee account numbercan also delay a payment posting to an account. Pleaseverify that the account number above is correct. 

To help avoid delays in future payment deliveries, makesure you select a? Deliver By? date that is sufficientlyin advance of your payment? XXXX actual due date. 

For your convenience, you can access proof of paymentdetails from XXXX XXXX ( XXXX ) to show the Payee yourpayment was made. 

To access your online proof of payment, log in to XXXX and follow these steps:1. Hover your cursor over the "" Payments & Transfers '' tabat the top of the page. 

2. Hover your cursor over? Pay Bills.? 

3. Click? Pending & Past Payment Activity.? 

4. Click "" See Details '' for the payment you want to access. 

5. Click "" Proof of Payment.? The proof of payment will bedisplayed. 

6. Click "" Save or Print. '' The proof of payment will launchin a PDF format that you can print or save to yourcomputer. 

Please let us know if there 's any other way we can helpyou. We appreciate your business, and thank you for beingour customer. Please e-mail us through the Secure MessageCenter while you are logged on to XXXX, or call us XXXX ( XXXX ), if you have any questions. 

Thank you, XXXX XXXX 
",,Consent provided,Web,2015-07-15,Closed with explanation,Yes,No,CR1459176,2932
2015-07-09,Credit card,,Rewards,,"Eagle National Bank closed my credit card account with no warning. The account was current with no issues. I had earned {$300.00} in rewards. The bank is telling me that since the account is closed, I have forfeited these rewards. 
",,Consent provided,Web,2015-07-09,Closed with explanation,Yes,Yes,CR1458880,2555
2015-07-09,Credit card,,Credit determination,,"I was solicited by Eagle National Bank for a Mastercard XX/XX/XXXX. I applied for the card and was accepted. XX/XX/XXXX, I was solicited for a XXXX card, a XXXX card. Since this was my alma mater for both of my degrees, I applied for this credit card. 
I was rejected for this XXXX card, with the explanation given that "" you have current or past delinquency on your account ( s ) with us and/or our affiliates. '' The subsequent paragraph stated that "" This decision was based upon an assessment of your application, current economic trends and a copy of your credit report or reports. "" I immediately wrote bank to BAC, certified mail with receipt, highlighting the following points:1. I pulled my current report and there were no current or past delinquencies on the report. 
2. I pointed out that they had just approved me for an account for {$2500.00} in the prior month, mentioning none of these reasons. 
3. I did point out that I did have delinquencies with MBNA in XX/XX/XXXX-XX/XX/XXXX, with the accounts being eventually settled based upon settlement offers. This information should not be included as a current reason, especially if it was n't being applied in a consistent manner. 
4. I stated that there denial seemed arbitrary and capricious, as they were not applying consistent methods of reviewing and making credit decisions. 

The response I received from them addressed none of my points, instead stating the cliche "" unable to approve your request because you have sufficient utilization of your credit and you have sufficient balances on your revolving credit lines. "" To add insult to injury, they did a hard pull on my credit, so that it shows XXXX hard inquiries ; XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX, further damaging the credit record even though the original application and the appeal were within 30-45 days of each other. 
",,Consent provided,Web,2015-07-09,Closed with explanation,Yes,Yes,CR1458939,1418
2015-07-09,Credit card,,Transaction issue,,,,Consent not provided,Web,2015-07-09,Closed with explanation,Yes,No,CR1459116,2380
2015-07-09,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-07-09,Closed with non-monetary relief,Yes,No,CR1459545,57
2015-07-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-07-09,Closed with monetary relief,Yes,No,CR1459361,5445
2015-07-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-09,Closed with explanation,Yes,No,CR1459826,676
2015-07-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-07-09,Closed with monetary relief,Yes,No,CR1460736,67
2015-07-08,Bank account or service,Checking account,"Account opening, closing, or management",,"I am a XXXX who needs access to a statements from a closed joint checking account held with Eagle National Bank. EVEN WITH the "" letter XXXX '' given Eagle National Bank on XXXX XXXX, 2014, they refuse access XXXX. The bank contends they do n't have the document even though it was used to close the joint checking account and open a "" guardianship '' checking account. They are requesting documentation again to review and see if they can grant access XXXX for his closed joint checking account which will be thru XXXXXXXX, I am asking for immediate electronic access to the closed joint checking account in preparation for interrogatories and his pending divorce. XXXX Hence, the reason for a court appointed XXXXguardian. 
",,Consent provided,Web,2015-07-08,Closed with non-monetary relief,Yes,No,CR1457479,20
2015-07-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am trying to file a complaint against Eagle National Bank on a Home Equity Loan ( XXXX ) which I paid off in XXXX. The problem began after my ex-husband, XXXX XXXX, passed away on XXXX XXXX, XXXX. His current wife, XXXX XXXX XXXX, sent a statement ( XXXX XXXX ) from EN to my office in care of her tenant XXXX XXXX. Up until this time I had no idea there was a loan against our jointly held property located at XXXX XXXX XXXX, XXXX, XXXX XXXX as there was already a privately held mortgage on this property. 
When I contact EN to ask about this, I was told my social security number was not the XXXX on the account and that I should go to a local branch as they could not tell me any information over the phone. I went to the EN branch at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX and spoke with XXXX XXXX XXXX. I explained the situation and she contacted EN and got me a copy of the signed loan application, changed SSN on file to mine, and had statements sent to my home. XXXX XXXX advised me to contact EN 's Fraud Investigation unit. 
I contact the Fraud Investigation Unit ( XXXX XXXX, XXXX XXXX XXXX, XXXX , XXXX ). I sent her all the information and she turned the case over to XXXX XXXX. I had to fax XXXX XXXX property documents, divorce decree, and other papers. XXXX XXXX 's stated that the signature looked strikingly like mine and that I was responsible for loan. I began making payments as I did not know what else to do. At the same time XXXX XXXX from XXXX XXXX was handed the case as they insured the loans that EN bought from XXXX Bank. She too asked for all the paperwork and my story. Because I made payments on the loan XXXX dropped their investigation as making payments means I accepted responsibility. I did not know at that time that I had a choice. XXXX XXXX told me to ask EN for a copy of the ID that was used to authenticate the loan and prove that I was the person in the Bank. XXXX XXXX informed me that this loan was originally with XXXX Bank and was opened in XXXX at which time I was already divorced. This is the year that XXXX XXXX purchased his home in XXXX and I am of the opinion that the money from this account was originally used as the deposit for this purchase. I have since paid this loan off as I sold the XXXX property. 
To date, no proof of identification was every provided. I have had to pay {$90000.00} for a loan that was used to purchase XXXX XXXX 's home, and he wrote checks to his wife and her children. I am unsure of how XXXX Bank issued a loan on a property that was already mortgaged. 
I wish to know if there is anything you can do to assist me in recouping this money. 
",Older American,Consent provided,Web,2015-07-08,Closed,Yes,No,CR1456074,8738
2015-07-08,Credit card,,Delinquent account,,"I 've had this Eagle National Bank credit card since XXXX. This is the ONLY card that my wife and I have that does not have the ability to setup payments online to pay the minimum payment each month automatically. Instead, it requires that you declare a payment amount to make automatically each month. Since we did n't use this card often, years ago, I set it to pay {$50.00} per month believing that it would easily cover the minimum payment and then some if we did decide to use it. For literally years that assumption held true. This XXXX, purchases were made that resulted in the minimum payment being greater than the {$50.00} that was setup previously. As soon as I realized the problem, unfortunately in XXXX of XXXX, I payed the overdue balance, and contacted Eagle National Bank to attempt to have my credit report corrected based on several limitations on their part : First, we NEVER received supplementary contact to indicate a problem. It is true that I did sign up of paperless statements in XXXX, and I routinely do not check those statements because I rarely use the card. If there were a problem, I had expected Eagle National Bank, like ALL of my other creditors do, to attempt to contact me to indicate such. NO phone calls or letters were received to indicate a problem with the account. 
Second, this is the ONLY account that we have that does not have an option to pay the minimum payment each month on their online bill payment system. Coupled with a lack of communication from the Bank, it would seem to me that this situation was engineered to make money for the Bank through the generation of late payment and over limit fees. 
I submitted requests to Eagle National Bank several weeks ago to make the requested adjustments to my credit report given my exemplary history with them spanning a decade, the above described limitations, and my immediate payment to bring the account current on the day that the problem was finally brought to my attention. When I called today to follow up on the issue, I was notified that my request was denied. I asked them to reconsider my request, and to escalate my request beyond the department that had made the decision to deny my request and was told that was not possible. At that point I cancelled my account with Eagle National Bank and notified them at the same time that I would be making a formal complaint with the appropriate consumer protection agencies. 
",,Consent provided,Web,2015-07-08,Closed with monetary relief,Yes,Yes,CR1457482,4426
2015-07-08,Credit card,,Other fee,,"I wrote a cash advance check for {$5000.00} in a cc with {$11000.00} available credit. Although I was not notified, and contrary to the same bank previous practices in another cash advance check I used in XX/XX/XXXX, this time Eagle National Bank ( the card issuer ) eliminated the "" grace period '' in all purchases charged to the card! So that, although I kept paying my purchases in full as before within the ( now ) grace period and keep the end-of-the-month balance below the {$5000.00} ( spent on the cash advance I was supposed to have to pay by XXXX XXXX, I am now being charged interest on any purchase on the card. Basically they changed the card terms besides the credit they provided relative to the cash advance. They surreptitiously eliminated the 'grace period ' that had always been applied to all non-cash-advance card purchases and starting charging me interest even when the non-cash-advance card balance was paid in full within the customary grace period I never thought would be affected by me accepting the crad ' cash advance offer, for which I provided due consideration in the form of a cash-advance fee of about 4 % on the {$5000.00} cash-advance. 
",,Consent provided,Web,2015-07-08,Closed with explanation,Yes,No,CR1456162,2471
2015-07-08,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"A wire transfer was issued from XXXX XXXX XXXX XXXX to Eagle National Bank XXXX XXXX XXXX. The wire transfer originated in XXXX XXXX XXXXXXXXXXXX with an exchange rate as indicated on the wire transfer of XXXX, with a final amount of $ XXXX. What arrived at Eagle National Bank was {$12000.00}. A difference of XXXX. Eagle National Bank wire transfer refuses to provide how or why there is a difference between what left XXXX and what arrived in XXXX. 
",,Consent provided,Web,2015-07-08,Closed with explanation,Yes,Yes,CR1456921,1470
2015-07-08,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank is charging me {$170.00} in overdraft fees for using my debit card before a check cleared the next day along with charges on my card so the money was there. 
",,Consent provided,Web,2015-07-08,Closed with monetary relief,Yes,No,CR1457594,2225
2015-07-08,Credit card,,Other,,,,Consent not provided,Web,2015-07-08,Closed with explanation,Yes,No,CR1457285,2306
2015-07-08,Credit card,,Transaction issue,,,,Consent not provided,Web,2015-07-10,Closed with monetary relief,Yes,Yes,CR1458006,1241
2015-07-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-08,Closed with explanation,Yes,No,CR1457671,6729
2015-07-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-08,Closed with non-monetary relief,Yes,No,CR1456702,4389
2015-07-08,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-07-08,Closed with monetary relief,Yes,No,CR1457129,4484
2015-07-07,Bank account or service,Checking account,"Account opening, closing, or management",,"Hi there. 
My complaint is regarding Eagle National Bank ( EN ). On XXXX/XXXX/2015 I called their customer services on XXXX and spoke with a XXXX XXXX XXXX to understand and challenge confusing and inexplicable charges made against my account by the bank. Several charges of {$25.00} had been made by the bank against my account, bringing it into an overdraft to date of {$71.00}. 
XXXX XXXX informed me that EN had enrolled in an "" Advantage Program '' which gave me "" various benefits '' for a ( inconsistently applied ) monthly fee of {$25.00}. 
I informed XXXX XXXX that I had never agreed to such a program and that I was formally disputing any agreement to its enrollment and that I would like a case or reference number from him while EN investigated the matter. I also requested that the charges be reversed and that EN remove me from any "" Program '' which resulted in my being charged monthly for "" benefits '' without prior agreement from me. 
XXXX XXXX repeatedly refused to open an investigation of any form, or to take up my formal complaint, or give me a case or reference number. He insisted that he would not take ownership of my complaint and that he would limit his course of action to arranging for another office to send me a brief letter informing me of nothing more than the date on which EN had unilaterally enrolled me ( without my explicit or implicit consent ) into their ( costly ) "" program ''. He also made it clear that no undertaking was being made to send me copies of any signed agreements I am supposed to have made. He then suggested that, once I am in receipt of the brief letter confirming the "" enrollment '' date, it would be up to me to then take a further step of visiting a EN branch to request redress once more at that time. XXXX XXXX again refused to accept a formal complaint from me on the present call. 
",,Consent provided,Web,2015-07-07,Closed with monetary relief,Yes,No,CR1454315,2719
2015-07-07,Bank account or service,Checking account,"Account opening, closing, or management",,"I had a bank account with Eagle National Bank. Since I am not XXXX I was using it not often. My XXXX address was reported to the bank and I was receiving monthly statements. 
The account was free, as well as using cards. 
Than, few years ago the statements stopped to be send to my address without any warning. 
I tried to log in via internet, but I could not ... later I learned my account was blocked and moved to "" frozen accounts ''. I had no statements, no internet access and without any information bank introduced a monthly fee of XXXX I had no idea that over years - XXXX of USD were stolen by the bank from my account. So without any information I was introduced a fee, to an account which usage was blocked to me and any track of charges were hidden ( no statments sent ). 
",,Consent provided,Web,2015-07-07,Closed with monetary relief,Yes,No,CR1455614,1759
2015-07-07,Bank account or service,Checking account,Using a debit or ATM card,,"I signed up for XXXX XXXX 2015. I provided them with a debit card number ending in XXXX. I was not aware that my XXXX month subscription would automatically renew until I saw an additional charge debited from my account on XXXX XXXX in the amount {$110.00}. The card that I provided to them in XXXX 2015 was deactivated XXXX 2015. I never provided XXXX with the card number for the new debit card because I just assumed that once my XXXX months were up that my subscription would just end. I contacted XXXX and they refused to refund my money. I contacted Eagle National Bank where the account is located and filed a dispute. They informed me that XXXX has the ability to provide them updated information even though I did not provide that information to merchant. I have never heard of such a thing. My account is now overdrawn because of a charge that I did not authorize. 
",,Consent provided,Web,2015-07-16,Closed with monetary relief,Yes,No,CR1454334,612
2015-07-07,Bank account or service,Checking account,Deposits and withdrawals,,"My Aunt passed away XX/XX/XXXX. I am Co-Trustee of my Aunt and Uncle 's Revocable Trust. My Uncle predeceased her. She has a checking and savings account at Eagle National Bank and had a IRA account as well. 

On XX/XX/XXXX, I submitted a request to have the account funds transferred to my Aunt and Uncle 's Trust in accordance with my Aunt 's Will. No Estate is being opened for my Aunt. She was a resident of Illinois upon her death. Pursuant to Illinois Law, on behalf of the Trust, I submitted by mail to BofA a Small Estate Affidavit compliance with Illinois Law which had attached a copy of my Aunt 's Death Certificate, a copy a my Aunt 's personal assets, and a copy of my Aunt 's Will which was filed with the Clerk of XXXX County, IL. Included was a Letter of Direction which directed BofA to send a check to me made payable to the Trust. 

On XX/XX/XXXX, I received a letter from BofA relating to the IRA account requesting a copy of the Trust Agreement. On XX/XX/XXXX, I mailed BofA a copy of the Trust Agreement. Shortly thereafter the IRA funds were released and deposited into the XXXX Account. 

On XX/XX/XXXX, I received a Letter from BofA that was non-responsive to my request but instead offered condolences and asked for a Death Certificate. 

On XX/XX/XXXX, I called BofA again. I still had not received the checking or savings account funds. I spoke to XXXX at the BofA Estate Unit in XXXX and spent a couple of hours on the phone with her as she examined the documents. XXXX indicated the Small Estate Affidavit was in order but the only things BofA needed were for my Letter of Direction be notarized in accordance with their policy and a file stamped copy of the Will because she could n't locate the file stamp. 

On XX/XX/XXXX, I resent my documents with the notarized Letter of Direction and another filed copy of the Will and pointed out the file stamp of XXXX Co was placed on the back of document by the Clerk. 

My confidence that BofA had its requirements satisfied was misplaced. I received no response from BofA. Instead my Cousin who is Co-Trustee of the Trust began receiving Letters from BofA regarding my Aunt 's accounts. 

In XX/XX/XXXX, I began again. I called the BofA Estate Unit and spoke to XXXX. I spent another couple of hours on the phone while he examined the documents again and asked questions. He finally advised again that a check made payable to the Trust would be sent with a couple of weeks. 

In XX/XX/XXXX, I called the Bofa Estate Unit and spoke to XXXX and spent more than an hour on the phone. She also said that payment was coming within 1-2 Business Days. 

In XX/XX/XXXX, I spoke to XXXX again. She agreed that all was in order and that she would escalate the matter to a Manager and would follow up by phone to advise me when payment was coming. She did call my cell within the week, but said that payment was still in progress. 

On XX/XX/XXXX, I called BofA again and spoke to XXXX for awhile and got the same kind of advice. I requested a supervisor/manager and spoke to XXXX XXXX. We spent a couple of hours on the phone while he examined documents. I answered all his questions and he wanted to see my Uncle 's Death Certificate. I faxed him a copy of both my Uncle 's and my Aunts Death Certificates and he promised that payment would be coming after 1-2 Business Days. 

I called Bof A again on XX/XX/XXXX. I spoke to XXXX who said she could n't understand why I had n't received payment as it appeared it was processed and I should be receiving within 1-2 Business Days. 

On XX/XX/XXXX, I received a Letter from BofA saying it needed a Small Estate Affidavit. 
On XX/XX/XXXX, I spoke to XXXX XXXX, BofA Manager, and told her I should not have to start over. She was to call me back but instead sent another letter asking for another Small Estate Affidavit. 
",,Consent provided,Web,2015-07-07,Closed with monetary relief,Yes,No,CR1454553,1584
2015-07-07,Bank account or service,Checking account,"Account opening, closing, or management",,"So I recently became ill in XXXX of 2015 and I was not able to keep track of my finances and when I came back I was hit with a {$450.00} fee and a closure of the checking account.these were racking up and to my dismay I was not even able to waive these fees due to my health circumstances. 
",,Consent provided,Web,2015-07-07,Closed with non-monetary relief,Yes,No,CR1455578,2688
2015-07-07,Credit card,,Transaction issue,,"First let me mention we have been using Eagle National Bank credit cards for ten years and have never missed or been late with a payment. Recently we were offered new cash back cards. I cards in the mail arrived promptly as well as an email telling me that the was a {$6500.00} made to the XXXX in Arizonan, I contacted the fraud department, they investigated and canceled the new cards, When I new I was getting new cards I paid off the original old card {$2600.00}. I checked my statement online and found they had taken the payment out of my checking account twice, They said the would reverse the double payment and return the amount off {$2600.00} ASAP. This left us with {$410.00} in checking to pay our monthly bills. Note were on Social Security with small pensions. 
We contacted EN several time going for teller to manager to department heads. We were told over and over again that it would take 5 to 7 business days to return the money to our account. I asked the managers at EN if they were going to be responsible for any late charges because they had drained my checking account by withdrawing, they said no. 
I am very disappointed with EN, they made the mistake and we have to suffer for it. 
What can I do to get my money back before it effects my other financial commitments? 
",Older American,Consent provided,Web,2015-07-07,Closed with explanation,Yes,No,CR1454331,3496
2015-07-07,Credit card,,Rewards,,"I have been going back and forth between XXXX XXXX XXXX rewards program to figure out what happened to my points. Eagle National Bank claimed to have transferred the points automatically, but I never received them on my XXXX XXXX account. I contacted Eagle National Bank ( for the XXXX time regarding the issue ) and they finally transferred me to a supervisor that stated the rewards points expired. Before signing up, I was told that the rewards miles do n't expire let alone after a month! Eagle National Bank kept putting blame on XXXX and sending me to them for resolve when BofA is the XXXX responsible for rewards transfers. 
",,Consent provided,Web,2015-07-07,Closed with non-monetary relief,Yes,No,CR1454659,2164
2015-07-07,Credit card,,Advertising and marketing,,"I received a very tricky and dishonest offer in the mail from Eagle National Bank. It offers 0 % interest until 2016 but after really looking into this offer it is trying to trick people who pay off their balances each month ( like me ), because it makes all new purchases subject to interest charges. It is so bad that Eagle National Bank is going this route .... I have been a card holder for years and have a fico score of XXXX, and if i almost got tricked, I ca n't imagine what it would do the the average consumer. This should be illegal and Eagle National Bank should get in trouble for this. 
",,Consent provided,Web,2015-07-07,Closed with explanation,Yes,No,CR1455695,3963
2015-07-07,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-07-21,Closed with explanation,Yes,Yes,CR1454528,4770
2015-07-07,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-07-09,Closed with monetary relief,Yes,No,CR1453929,2985
2015-07-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-07,Closed with explanation,Yes,No,CR1455128,2228
2015-07-06,Bank account or service,Checking account,Deposits and withdrawals,,"I issued XXXX checks from my checking account : Check # XXXX was issued to my ex-husband for {$810.00} for court issues for divorce on XXXX. Check was not cashed. Court orders changed. Check was not returned. 
Check # XXXX was issued to ex-husband for {$7800.00} for court issues for divorce on XXXX. Check was not cashed. Court orders changed. Check was not returned. 

Due to change in court decisions and divorce circumstances the issued checks were invalid. I, the account holder at Eagle National Bank placed a stop payment on check # XXXX and check # XXXX on XXXX/XXXX/XXXX. Stop payment expired on XXXX/XXXX/XXXX. 

Eagle National Bank stated I would not need further stop payments after the expiration date due to the stale check policy : any check over 6 months old CAN NOT BE CASHED. 

On XXXX/XXXX/XXXX check # XXXX was cashed at XXXX Bank. 
On XXXX/XXXX/XXXX check # XXXX was cashed at XXXX Bank. 
Both checks were deposited in my ex-husband 's account. Thus depleting my checking account of {$8600.00}. 

Check # XXXX was almost 13 months old. 
Check # XXXX was almost 8 months old. 

I went to Eagle National Bank to question how this could happen. The bank assistant manager stated this should not have happened due to "" Stale Check '' cashing policies. She was trying to help me get my monies back. She stated she was recently almost fined for a XXXX (? ) Law due to a 6 month old cashed check. She requested the bank manager speak to me. He was very rude. Stated clause XXXX in the pamphlet I received in XXXX upon opening my account covers the bank if any checks just happen to get cashed. It was not his problem. I left very discouraged and in tears. 


I then went to XXXX Bank to question their stale check cashing policy. I spoke to the bank manager. My first question was what is your stale check cashing policy? She stated 6 month old checks CAN NOT BE CASHED. I showed her a copy of my stale - stop payment checks and asked how could this happen? She very quickly stated this can happen since they were deposited and there was nothing she could do. I left very discouraged and in tears. 

I then phoned the corporate office for Eagle National Bank. I spoke with a gentlemen there who quoted the same. He was very rude. Stated clause XXXX covers the bank if any checks just happen to get cashed. It was not his problem. Again I was very discouraged as I specifically asked if the stop payment of 6 months was enough to protect my account. 

Since this time I have been to Eagle National Bank on XXXX separate occasions to witness the bank clerk telling a customers their check could not be cashed due to it 's "" stale check '' status. Thus, being over 6 months old. The last occurrence was to cash a check my mother wrote to myself. It was just a few days over 6 months. I was told it could not be cashed or deposited. 

I am very upset with this situation as I had additional hardships due to this incident. I had to go back to court to have my ex-husband pay me the monies he was not entitled to. Thus, having to hire an attorney. These monies were monies I needed to support my household and expenses. I feel the bank has violated my consumer rights and wish to be properly compensated. I also wish for the bank to receive the Federal fines that may be applicable. 
",,Consent provided,Web,2015-07-10,Closed with explanation,Yes,Yes,CR1452728,2708
2015-07-06,Bank account or service,Checking account,Using a debit or ATM card,,"Re : Complaint of Fraud. 

Dear Investigative Agent : My name is XXXX XXXX XXXX and on XXXX/XXXX/2015 I opened a checking account at Eagle National Bank located at XXXX XXXX XXXX, XXXX TN XXXX and received a Debit Card ending in XXXX. XXXX XXXX was the individual that opened my account. I went to the Eagle National Bank mentioned above on XXXX/XXXX/2015 to activate the debit card I was given ending in XXXX. Immediately afterwards I went to XXXX to get a movie using the card that I just activated ending in XXXX. XXXX gave me a message that the card was unable to be authorized so I went into XXXX to make a Debit Card purchase and it went through. Since I was able to use the debit card end in XXXX in XXXX I thought it was just that particular XXXX machine that was having problems so I tried another machine. When I went to XXXX and tried the XXXX machine there it did not work either so I purchased some candy using the debit card as a credit card and it worked. Since I made XXXX purchases using the XXXX different functionalities of the debit card and they both worked, I figured that the zip code was incorrectly entered into Eagle National Bank 's computer system as XXXX asked for my zip code to process the transaction. I then went home to login to Eagle National Bank to check my zip code and it was correct. Being perplexed as to why my card ending in XXXX would not work at XXXX, I went online to see if the debit card ending in XXXX had been activated. Following the links to activate my newly received debit card under my account, even though I thought I had already done so at the ATM, I discovered that the debit card that Eagle National Bank showed I was issued ended in XXXX and it only showed XXXX debit card issued and no temporary debit cards. I immediately called the lost card hotline to report the card ending in XXXX lost. Upon speaking with XXXX I was informed that the card ending in XXXX had attempted to be activated but the wrong pin was entered. If XXXX made a mistake and entered the wrong number into the Eagle National Bank computer system for the debit card he gave me when he opened my account, there would have been no attempts to activate the card ending in XXXX because that card would never have been issued to anyone. If my checking account was assigned the debit card ending in XXXX how is it possible that I was able to activate a different debit card than the one on file in Eagle National Bank 's computer system and use that debit card to make XXXX different purchases using both the debit card and the credit card function. Upon further investigation and after viewing the account summary I was given, I noticed that there were XXXX debit cards tied to my checking account on the account summary I was given, XXXX temporary and XXXX permanent but on the online debit card activation page there was only XXXX debit card listed. The temporary debit card ends in XXXX and the permanent debit card ends in XXXX. The permanent debit card is the one that Eagle National Bank will mail to me with my name on it. Since it will have my name on it and needs to be mailed to me one can conclude that at the time I was given the temporary debit card, the permanent debit card was not in existence. One can also conclude that it would take more than a day for anyone to receive the permanent debit card since it has to be created then mailed to the recipient. According to XXXX the representative of Eagle National Bank I spoke with when I dialed the number for Eagle National Bank to report a lost debit card, a person tried to activate the debit card ending in XXXX on XXXX/XXXX/2015 at approximately XXXX EST. How is that possible if the permanent debit card assigned to my checking account ending in XXXX had not been created? When a person receives a temporary debit card upon opening a new checking account, .... COMPLAINT INCOMPLETE NEED MORE ROOM 
",,Consent provided,Web,2015-07-06,Closed with explanation,Yes,No,CR1452844,763
2015-07-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"recd text from XXXXXXXXXXXX 
",,Consent provided,Web,2015-07-06,Closed with explanation,Yes,No,CR1453626,2113
2015-07-06,Credit card,,APR or interest rate,,"Charged interest after promotional APR ended. I paid in full before due date. Still hit with interest charges of {$64.00}. 
",,Consent provided,Web,2015-07-06,Closed with monetary relief,Yes,No,CR1453076,3606
2015-07-06,Credit card,,Closing/Cancelling account,,"I closed this account when the balance was XXXX in 2008.This bank continues to add interest and keeps the account open. 
",Older American,Consent provided,Web,2015-07-06,Closed with explanation,Yes,No,CR1452255,7843
2015-07-06,Credit card,,Customer service / Customer relations,,"I signed up for a credit card via XXXX XXXX. Once it came in the mail I was not happy with the terms so I did NOT activate it. I latter received a bill for {$75.00} dollars to cover an annual fee. When I called to complain they told me the card would be cancelled and I would not have to pay this 'fee '. This month I got another bill for for the same {$75.00} + interest. When I called to complain they told me it was a bank error and I would not be responsible for the account. Remember, they said that last month. Unfortunately the liars put a mark on my credit score. Are they kidding?! I did n't activate the card! They told me the first time I called this account was closed ant that I would not be charged. I am disgusted that my account is labeled delinquent. Then they told me this issue with my credit could take 60 days. I told them this is unacceptable. I cancelled this card that was never activated. Will this company be investigated? I do not believe this is fair business practice. 
",,Consent provided,Web,2015-07-10,Closed with non-monetary relief,Yes,Yes,CR1453476,4586
2015-07-06,Credit card,,Billing disputes,,"ordered a dress on the internet and paid extra for specific measurements. Dress came XXXX inches longer than the measurements. Their web site stated that if measurements were off by more than an inch they would pay 100 % for me to have it altered. They refused to do this. Filed a dispute with my credit card company and they ruled against me because they said I did not have the tailor provide detail information on the alterations. The letter the credit card company sent me never asked me to provide this and now they said it is too late to do anything on this. 
",,Consent provided,Web,2015-07-10,Closed with explanation,Yes,Yes,CR1452199,4941
2015-07-06,Credit card,,Other,,,,Consent not provided,Web,2015-07-08,Closed with monetary relief,Yes,No,CR1452978,4493
2015-07-06,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-07-06,Closed with explanation,Yes,Yes,CR1453251,4929
2015-07-05,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX/XXXX/14 my checking account was in the negative and the bank took it upon itself to transfer funds from my joint checking account into the checking account in the negative. I did n't ask, request or authorize them to do this. Nor, did I sign anything giving them permission to do this action. 
",,Consent provided,Web,2015-07-05,Closed with explanation,Yes,No,CR1451412,11683
2015-07-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Eagle National Bank. 
There was fraudulent activity on my business checking account, via card number. 
I submited a claim, and after speaking with their customer service, they could not do anything immediately and wanted to sent me paperwork to dispute the charges, within XXXX business days. Unacceptable. I was forced to request a manager who could - in fact - reverse the charges that were processing, and he reassured me that when the charges actually post to the account - there would be AUTOMATIC adjustments applied to take care of the balance. I would not be negative again. 
The next day, the {$850.00} charge posted, and of course, there was no adjustment, PLUS an overdraft fee for this charge. 
I called Eagle National Bank again ( on the XXXX of XXXX - ironically ) and their business checking and claims department were closed, and literally no one - not XXXX person I tried to contact within my XXXX hour phone call ( plus the hours I spent the day prior disputing charges and going to my local branch to get my replacement temp card ) - NO ONE could tell me anything regarding my account, because they did not have access. They could not tell me the person 's name whom I spoke with the day prior, they could not even tell me my balance, let alone what was happening with my account, because they had zero access!!! On the XXXX, Eagle National Bank could not help me. 
This is the second time in XXXX weeks my card information had been compromised. 
I do not allow other persons to use my card, and I am very concerned about the security policies here at this bank, plus - the customer service for its business banking customers. Being overdrawn almost {$900.00} and not being able to speak to anyone about it is extremely disconcerting, and I will be pulling my money from this bank and closing my accounts immediately. I am outraged at the service I received. 
The banking associate at my local branch issued me a temp card - which began with the same XXXX digits as my last replacement - and had the same expiration year. Why would a bank issue cards with matching numbers? Is n't this making it easier for fraud? 
Why was I asked to fill out paperwork regarding charges that were clearly not mine? 
Why was I alerted by my bank about the charges - but charges were made thereafter? 
Why could I not speak to anyone regarding my account, on a holiday? So what? There are n't XXXX people in the world that are working today on behalf of their business consumers? 
As a new business, a situation like this could be crippling. I have thousands of dollars that I need to deposit to continue functioning as a business - but I can not trust my bank and I am forced to switch banks, which will not be an easy change, I can only assume. 
",,Consent provided,Web,2015-07-04,Closed with explanation,Yes,No,CR1451244,1594
2015-07-04,Bank account or service,Checking account,Problems caused by my funds being low,,"I was unaware for two days that my Eagle National Bank business checking was XXXX dollars in the negative. I rely on my phone for bank alerts, but was having technical difficulties with email updating. In the course of 2 days, XXXX XXXX and XXXX I had XXXX - {$35.00} fees from EN that equated to {$310.00}. Mind you that my account was only {$110.00} negative. I promptly went to see a representative at XXXX sharp. Was extremely professional and said to him "" I have a bunch of overdraft fees in just two days, and I 'm sure you 'll be able to waive them for me since I am a long time customer. '' Well ... I could n't have been more wrong, very, snootily and with much disdain he and confirmed by his manager, clearly stated that these were my errors and not the banks and under no circumstances will they waive the fees. I continued to be courteous and professional and pleaded with him to re-consider. He refused. I then said "" Well if that 's what EN considers Great! customer service, I no longer want to bank here, and lets please start the proceedings to close my business checking and savings account. I then in a last ditch effort, asked him squarely, "" You would rather take my money in fees ( {$310.00} ) and lose my business, than help me on this matter, to continue having a loyal bank customer. His reply was "" Its out of my hands the people upstairs call the shots, and I 'm sorry there is nothing I can do. "" Then to make matters worse, I had deposited the amount I was over drawn, but did not have the money to pay the late fees remaining, {$280.00}. The manager then with no emotion whatsoever forewarned me that if the remaining fees were not paid XXXX things are going to happen that EN will implement to take action against me. 1. In two days the balance will go to collection, 2. we send an alert out to all banks in our system, and you will NOT be able to open an account ANYWHERE!!! 
I own a small business, I need a business account, I had to borrow the {$280.00} to be able to open an account somewhere else. So in less than 20 minutes I went from a faithful EN customer to we could care less about you and your problems. I left there feeling so helpless, and absolutely bullied by this way too big bank, EN. 
",,Consent provided,Web,2015-07-04,Closed with monetary relief,Yes,No,CR1451188,854
2015-07-04,Credit card,,Closing/Cancelling account,,"Approximately XXXX weeks ago, I was traveling out of town on the weekend. I tried to use my Eagle National Bank XXXX credit card. The charges were declined. I have had this card at least XXXX years. I tried my Eagle National Bank XXXX XXXX Card and it was also declined. The merchant called the Eagle National Bank and I personally talked to someone and was told that I had closed my accounts. However, when I insisted that I had not closed these accounts, I was told that there is "" something '' wrong with my citizenship and country of origin. During the next XXXX days, I spoke to XXXX different people at Eagle National Bank, was put on hold for prolonged periods of time and transferred to multiple people and no one would give me straight and truthful answerbabout why my accounts were closed. Finally, the matter was resolved and my accounts were reopened but only after I insisted on talking to a supervisor. I was told that the federal government requires proof of citizenship in order to continue my credit card services. I have had these credit cards since 2005. I have never had to provide proof of citizenship. 
Clearly, Eagle National Bank is racially profiling me because of my last name and country of origin. My wife and XXXX, who are also on this account, with different last names, were never asked to provide proof of citizenship. I have other credit cards from other banks, which I have had for XXXX years, and I have never been asked for proof of citizenship. In addition, none of my colleagues or friends or spouse have ever been asked for proof of citizenship to open or MAINTAIN a credit card account. 
Clearly, Eagle National Bank is XXXX profiling me! 
",Older American,Consent provided,Web,2015-07-09,Closed with explanation,Yes,No,CR1451276,9273
2015-07-04,Bank account or service,Checking account,Deposits and withdrawals,,"I had a savings account and debit card with Eagle National Bank in XXXX, NY. Since I am a XXXX student I thought this was a safe way to go.The debit card was linked to the savings account for overdraft protection which I was not really sure of the benefits. In fact it turned out not to be a benefit at all but a means of protecting the bank if information is stolen in which on XXXX XXXX my card with my banking papers was stolen XXXX. Two days later I realized my card and papers were missing and I checked my accounts online. On XXXX/XXXX/15 a fraudulent check of {$1300.00} was deposited into my checking/debit account. Within 2 days {$1600.00} was withdrawn from my checking and savings accounts leaving me with no money and a negative balance due to overdraft fees Eagle National Bank insisted I must pay or collections will start. My Dad paid the remaining balance to keep me from collections and hurting my credit rating. Eagle National Bank instructed us to file a police report XXXX which we did. An investigation by EN was opened and quickly closed stating due to the information the thief acquired no recourse on their part would take place. The fake check was deposited in a Eagle National Bank in XXXX NY. We asked if we could at least see the video and was denied. They close the case and said we would have to go to the XXXX police department to file a report in order to possibly view the video. I feel if I saw the video I might be able to identify the person to press charges but Eagle National Bank was only interested in getting their overdraft charges paid. I am now working XXXX jobs to try to recoup my loss to a hard lesson learned. 
",,Consent provided,Web,2015-07-04,Closed with explanation,Yes,No,CR1451237,1168
2015-07-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-04,Closed with explanation,Yes,Yes,CR1451207,4268
2015-07-03,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank constantly ads fees before I can correct the issue. I am a XXXX living almost check to check. So when I do get the money to fix the problem I get hit with more fees which makes it worse. This problem is so bad that I closed my account. They refused to redact the fees and I lost {$180.00} in fees right before rent. 
",,Consent provided,Web,2015-07-03,Closed with monetary relief,Yes,No,CR1450905,4194
2015-07-03,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank fraudulently charged me {$380.00} in fees XX/XX/XXXX on a closed account. 
Was not able to open bank account elsewhere until paying bofa the fraudulent amount they extorted from me. Today, XX/XX/XXXX they refuse to refund $ XXXX monthly maintenance fee and despite XXXX calls today, XXXX rep at XXXX XXXX cst put me on a XXXX minute hold returning to call refusing to let me speak to supervisor. On XXXX call asked for supervisor told all were too busy to talk to me but would call me back. Between jobs, need my money & need this extortionist bank to stop robbing and extorting from the American people like me 
",,Consent provided,Web,2015-07-03,Closed with non-monetary relief,Yes,No,CR1450890,4807
2015-07-03,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,"I use Eagle National Bank billpay to send money to individuals. When the individual tries to cash the check at any BEagle National Bank branch, Eagle National Bank responds that they do n't have to honor it because it 's not drawn on Eagle National Bank. 
",,Consent provided,Web,2015-07-04,Closed with explanation,Yes,No,CR1450785,1485
2015-07-03,Bank account or service,Checking account,Deposits and withdrawals,,"My account with Eagle National Bank was hit with fraudulent activities on different occasions at recurring low amounts and I constantly had to call and report the incidents. Feeling uncomfortable with the protection from this company after A Eagle National Bank representative was on a three-way call with one of the companies as I disputed all transaction coming from them, told me that they can not completely stop the charges from coming even if they blocked them because if they change just XXXX number, letter or name it may still go through. I tired on a number of different occasion on closing the account but was told I had to wait for pending transactions to go through for the account to XXXX out. I explained to the Eagle National Bank associate everthing that was going on which only led to them canceling out my debit card and giving me a temporary card after anumber of attempts of signing me up with a credit card or secure credit card because they have better protection. Without knowledge of what else I could do and Upset with how Eagle National Bank runs business I decided to just to wait it out and close the account the moment it went positive. I checked my account every week or so. When I noticed a deposit and a transaction in my account that I didnt make. I called and told a Eagle National Bank representative of what I found. I was told that it was pending and I had to call back after it goes through which did n't make any sense to me. Later that day I was contacted by a woman from Eagle National Bank asking about the deposited check which I told her I had no idea where it came from and how I already called earlier about it. She stated it was a mobile app deposit and would be able to find out the location and possible ip adderss and servers that was used. She confirmed that I would have to call to dispute the transaction after it went through but I could dispute atm withdrawal ( which I did n't even realize was there ). I called to dispute and found out that my card was used in XXXX at an ATM and a store. I received call a few days later from the female that called about the deposited check a told me that it was taking care of and do not have to worrry about it. Time passed and I received papers in the mail about the dispute stating that its proved the the charges where found to be legit from the dispute and I had to pay back the money that was owed. I called and disputed the claims and asked can they look into it further. Again I received a letter stating they lookee into the dispute and found it to be my own transactions. I seek professional help but could not afford it. I called and called, I even spoke to managers at banks who could n't understand how I called to dispute and I am not being justified. I asked supervisor at the call centers to please have their fraud team look into ATM footage or go the store in XXXX for their footage if possible. Never Living in XXXX, living Florida and working almost everyday around the days of the transaction was not good enough to prove my case. So now I have this horrible transaction on my report stopping me from having regular accounts with other banks, credit cards to help bulid my credit, credit unions that could help repair my credit and from mortgage loans to assist me with getting a house for my family and myself. This has damaged my life tremendously and has brought hardship to my family. 
",,Consent provided,Web,2015-07-03,Closed with explanation,Yes,Yes,CR1450858,4202
2015-07-03,Bank account or service,Checking account,Using a debit or ATM card,,"My debit card was stolen last week. Some made XXXX XXXX dollar withdraws from ATM. I do n't know times B of A would n't release that nor phone numbers. I called in several times had to call back and wait on hold for long times. Also the rep did n't report the XXXX as fraud they just left it. The XXXX case took 3 days and the XXXX case was 1 day. nothing has been done about it. I report Eagle National Bank TO XXXX. A lady contact me and left voicemail she be looking in to it and some how its already closed. This whole case seems fishy. Eagle National Bank states you 're not reasonable for basic transitions or ATM withdraws you did n't make. I DID N'T MAKE NO WITHDRAWS. ALSO THIS COMPANY DOES N'T CHECK ID WHEN WITH DRAW {$10000.00} OR XXXX OR {$500.00} AT THE TELLER LIKE OTHER BANKS DO. BIG RISK FOR PEOPLE TO STEAL MONEY FROM PEOPLES ACCTS. 
",,Consent provided,Web,2015-07-03,Closed with explanation,Yes,No,CR1451009,1504
2015-07-03,Bank account or service,Checking account,Problems caused by my funds being low,,"Our company runs a XXXX to help low income communities with access to bill payment and phone balance reloads. We do this by deploying bill payment machines into convenience stores in low income areas. We opened an account with Eagle National Bank to allow store owners to deposit the funds from the machines. When I opened the account, I explained exactly what we do. A couple of months later, the account suddenly gets classified as an "" MSB '' account, and gets frozen by the bank 's MSB department. Because of the bank 's actions, we have racked up over {$1000.00} in fees which is absolutely unacceptable. At this point, I just want my money back, and to close the bank account. 
",,Consent provided,Web,2015-07-03,Closed with explanation,Yes,Yes,CR1450754,5318
2015-07-03,Credit card,,Credit line increase/decrease,,"On XXXX XXXX, 2015, I requested an increase on my Eagle National Bank credit card from {$2500.00} to {$3000.00}. Buried in the fine print, however, was an authorization to perform a hard pull on my credit report. This hard pull has adversely affected my credit score. On XXXX XXXX, 2015, I chatted Eagle National Bank to request a reversal of this hard pull. My representative, XXXX, informed me the hard pull is required by federal law, which is not true, especially since XXXX XXXX, XXXX, and XXXX have all granted me credit increases via soft pulls of my credit report. Upon further questions, XXXX admitted the hard pull requirement was an internal Eagle National Bank policy and NOT a federal regulation. When I then questioned her on why she gave me false information, she acted as if she did not understand my question and then prematurely disconnected the chat session. I can forward the pdf of this entire interaction to you if necessary. 
I would prefer my credit report be fixed and the inquiry deleted, but, most importantly, Eagle National Bank should not be permitted to systematically lie to their customers about why they perform hard pulls ( a quick XXXX search reveals on the myFICO forums that the "" this is a federal requirement '' line is a frequently used Eagle National Bank customer service tactic ). 
",,Consent provided,Web,2015-07-03,Closed with explanation,Yes,Yes,CR1450617,1018
2015-07-03,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX, 2015, I called a company to order flowers named "" XXXX '', using my Eagle National Bank debit card. This company signed me up for a monthly club without my consent or even asking me. Since then, I have been getting a charge of {$9.00} a month on my Eagle National Bank account. I cancelled my debit card in XX/XX/XXXX, but somehow the company found a way to keep charging my account. This is tantamount to fraud. 
I have been trying to work with Eagle National Bank since XX/XX/XXXX to dispute these monthly charges on my account, but they have frustrated me at every turn. First they said they would not investigate until I provided a "" membership agreement ''. I obviously did not have one, as I never signed up for anything. In the last attempt, I wrote to the home office. They sent me a letter saying that they checked their records, and everything seemed fine, but they would dispute it with the merchant if I responded to their letter with additional information. I responded with this information the day I received the letter. When I called to inquire on the status in XX/XX/XXXX, I was informed that they closed the investigation because I did n't respond quickly enough! Then in early XX/XX/XXXX, I wrote another letter to the home office to complain. In it, I requested they perform an actual, real investigation of these fraudulent charges, and that they close the account. They have not responded to this letter at all. 
",,Consent provided,Web,2015-07-03,Closed with monetary relief,Yes,Yes,CR1450842,3194
2015-07-03,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2015-07-03,Closed with explanation,Yes,No,CR1450719,2090
2015-07-03,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-07-05,Closed with explanation,Yes,No,CR1450999,5318
2015-07-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-03,Closed with explanation,Yes,No,CR1450614,10798
2015-07-02,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank is holding up smaller bank card transactions longer until there is a bigger transaction that would cause the account to be overdrawn. Then, it applies the smaller transactions and charging the consumer multiple overdraft fees. It happened to me multiple times including yesterday. 
",,Consent provided,Web,2015-07-02,Closed with monetary relief,Yes,No,CR1449390,1605
2015-07-02,Bank account or service,Checking account,"Account opening, closing, or management",,"I had a Eagle National Bank and had ID theft on my Checking with XXXX.
I immediately restored my account with Eagle National Bank and submitted the police report and Affidavit of Fraud to let them know. Eagle National Bank stated they would not change th information and that I did fraud against my self and they will keep the information no matter what was sent in for proof.. I was also helped by XXXX to freeze my credit reports and notify all business in question.

I am now not able to get another account because of what was written.
I still have my XXXX account but wanted to get another account for safety reason can you please address this issue as I have take all necessary steps to protect myself.",,Consent provided,Web,2015-07-02,Closed with non-monetary relief,Yes,No,CR1448678,3188
2015-07-02,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,"I tried to cash a check written to me by my husband from his Eagle National Bank checking account. The account had enough money to cover the check to me and the funds were available at the time I tried to cash the check. I asked for the money to be in the form of a cashiers check. EN refused to cash the check because I do not have a EN account ; they would not put it in the form of a cashiers check because I do not have an account. The check was for {$27000.00}. They also claimed they did n't have the funds on hand to complete the transaction. This is a very busy branch located at XXXX XXXX XXXX in XXXX MA. I had the check, I had identification and my husband who was traveling for business went to a EN branch in the state he was in to have their manager call the XXXX manager. They still would not honor the check. After XXXX minutes I left to go back to work and I was out of patience anyway. My husband continued to discuss the matter with the manager of the out of state office and finally the XXXX manager said they would give me a cashiers check if I came back. I could not leave work again to make it back before they closed and I had no desire to deal with them again anyway. 
",,Consent provided,Web,2015-07-02,Closed with explanation,Yes,No,CR1448856,4284
2015-07-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-07-02,Closed with monetary relief,Yes,No,CR1449658,5395
2015-07-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-02,Closed with explanation,Yes,No,CR1448831,3550
2015-07-01,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"To whom it May Concern, I, XXXX XXXX, hereby declare that I have been a loyal customer of Eagle National Bank since 1998. I have changed accounts four times for security reasons, but I never left my bank. It has been about ten months or so since that the overdraft fees that Eagle National Bank charges have become outrageous. Eagle National Bank reorders debit card transactions/e-bill payments and withdraws in various ways ( usually placing the higher amounts first that will leave customers with negative balances XXXX, therefore ; the average client will be left with more than a few costly overdraft fees. Every time I have called to complain about how my available balance changes from day to day, the supervisors and customer representatives tell me that the automatic system rearrange transactions in different ways. Sometimes the automatic system will process larger transactions first and others the system will not process transactions correctly over the weekend. Consequently, on Monday morning the average costumer will be surprised with a bunch of overdraft fees. I have asked supervisors and customer reps to amend the mistakes that the automatic service makes. Some managers will waive a few charges. Others, like the last supervisor I spoke with will tell me that if I balance my account using my phone or a computer, I am destined to pay overdraft fees every week. If that is the truth, why does Eagle National Bank promotes mobile applications, online banking usage and online statements? Then, to make it more ridiculous the supervisor told me that if I kept doing my balance using paper and pencil and comparing it with my online balance, I was also destined to be charged hundreds of dollars in overdraft fees. Supervisors keep talking about the automatic service and blaming it for all overdraft fees like the automatic service is an electronic device that ca n't be handled by human beings ( it has its own mind ). My sister who was a loyal customer for XXXX years of Eagle National Bank left the bank because of the same reason : Eagle National Bank is rearranging deposits and withdraws anyway they want, so they can make millions charging overdraft fees. Something has to be done to stop Eagle National Bank for charging overdraft fees in order to increase costs to average consumers for their benefit. 
",,Consent provided,Web,2015-07-01,Closed with monetary relief,Yes,Yes,CR1446673,2115
2015-07-01,Credit card,,Billing disputes,,"Case id XXXX Eagle National Banklast four : XXXX had a credit of {$190.00} on my account. I closed the account. The allegedly refunded me XXXX but only refunded me once {$190.00} ( once through ACH and once through check ). I never got the check. Because, BOFA alleged that they refunded me XXXX, they put a balance of {$190.00} on my account affecting my credit. Everytime I call BOFA, they tell me that I am correct, they never send me the check and give it 3-5 business days to correct but it has been 2 months and it never got corrected. 

To avoid affecting my credit rating, I paid them {$190.00} for the XXXX illegal charge. Now BOFA owes me {$190.00} 
",,Consent provided,Web,2015-07-01,Closed with explanation,Yes,No,CR1446555,680
2015-07-01,Credit card,,Closing/Cancelling account,,"I 've had a Eagle National Bank credit card account opened for the past three years, with an available line of XXXX dollars. Now recently, I 've had financial hardship. Hardships including Foreclosure on my parent 's home ( I still live at home since I 'm a full time college student ), an immediate family member in the hospital, and myself having to pay out of pocket for tuition. So overall, what had happened was I fell behind on my credit cards. I 've made arrangements on every single one, assuring I would n't be charged off. Out of the XXXX I have, Eagle National Bank was the only one that essentially mislead me. I called on XXXX XXXX, telling them I was going to pay off my past due balance in full on XXXX XXXX. Their response? "" No problem! I 'll make note on your account ''. So I figure that 's a good thing, right? Next thing I know, it 's XXXX XXXX and I ca n't log into my credit card account. I called the branch thinking it was just a technical issue, and they told me I was charged off the very next day? When I had arrangements? I told the representative that I had documented arrangements, and she told me she could see them. However it was n't "" the right department '' that filed these arrangements, therefore could still give them the authority to charge me off. That 's just bad customer service, and if the wrong department made these arrangements, why give them the authority to look up my credit card information and essentially give me misleading assistance? I 'm very upset. I 'm XXXX years old, and now I have a charge off on my account ( that they refuse to reverse, since it 's 'out of their hands ' ). I need a solution to this, because I feel as if this was completely wrong. I ca n't say if this is illegal or not, I 'm not that aware of credit card laws. But this is n't right - XXXX person telling me what I did is sufficient to get my credit card back on track, and then the next day someone telling me rudely that I was n't responsive. Yes I was - I called the branch. That 's responsive. 
",,Consent provided,Web,2015-07-01,Closed with non-monetary relief,Yes,No,CR1448792,1076
2015-07-01,Credit card,,Transaction issue,,"I had fraud on my card. I notified the bank immediately. The bank cleared all the fraud charges. After my card with fraud on it was frozen I received a valid credit onto my card from a vendor. I contacted the bank within days that the credit was valid and should be transferred to my new valid card. On approx day 5 I was told the credit was erroneously applied to the closed card and would be fixed within 30 days. I called back 3 weeks later and was told the fix had not been completed and that the "" IT '' fix to move my money was not done yet. Finally after 30 days nothing was posted to my new account. I called back approximately on day 37 and at this juncture I was told that my credit would now be moved to my new account number and that it would be 1-2 days more. 
",,Consent provided,Web,2015-07-01,Closed with explanation,Yes,No,CR1448776,2189
2015-07-01,Credit card,,Application processing delay,,"I have a problem with Eagle National Bank credit card service. I admit I made a large mistake. On XXXX XXXX I overpaid my credit card account by keying in an extra digit. This wiped out my bank account. Two or three days later I noticed my mistake and took action. Sine the incident Eagle National Bank has repeatedly misinformed me about when my money would be returned to my account. At least twice they told me it would take the standard "" 2-5 business days '' to process the refund to my account, and I have documentation to prove this. After 5 business days I did not see my refund so I had to pursue them further. During this round they told me it would take up to 10 days because of the amount of the transaction. Why did n't they inform me of that in the fist place? Now 10 days have gone by and still no refund. I have a "" case manager '' and a number and an extension that gets me directly to a person. This person told me the refund was scheduled for XXXX today, XXXX XXXX. This has not happened. I am tired of them pulling my chain and I want my money returned to my account now. 
",,Consent provided,Web,2015-07-01,Closed with explanation,Yes,No,CR1446623,2560
2015-07-01,Credit card,,Credit line increase/decrease,,"I have had a credit card account with Eagle National Bank since XXXX XXXX and and have always paid on time. I went through a nasty divorce and had to put a restraining order on my husband in XXXX XXXX. He refused to pay the bills unless I let him back in. He was the only source of income. Therefore I had medical bills go in collections, a judgment placed against me, a credit card that went into a charged off account yet I always managed to pay Eagle National Bank. I was late only XXXX time with them. I was able to pay off the credit card a few months back after my divorce and had to use it again in XXXX. I had a {$10000.00} credit line with them and they all of a sudden dropped it down to {$6500.00}. Stating I had bad credit, a judgment, etc ... .when I had that for 2 years prior going through my divorce. My late payment as well being in XXXX. Ive been paying the card in a timely matter, sometimes making XXXX payments a month on it. I had a checking account with a large sum of of money with them that I had to withdrawal just prior to them knocking my credit down. I had to make a wire transfer to my lawyers for the house I was purchasing. Which left the account almost empty. I find it very coincidental that they lowered my credit right after I did that. My late payment with them was in XXXX. Its XXXX and I have n't paid late once after that. I even pay more then my required payments. 
",,Consent provided,Web,2015-07-02,Closed with explanation,Yes,Yes,CR1450395,3903
2015-07-01,Credit card,,Other,,"I purchased a myfico XXXX report and on it I discovered that Target Credit Card has been placing negative information on my report. I no longer have a Target Credit Card and they have reported negative information to XXXX 25 times since XX/XX/XXXX, and XXXX has reported negative information 16 times since XXXX. I have called the credit agencies who told me to call Target as they could not help me, called Target and was told to call the credit reporting agencies as they could not help me. I want this false information to be removed. 
",,Consent provided,Web,2015-07-13,Closed with explanation,Yes,No,CR1447942,2978
2015-07-01,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-07-08,Closed with explanation,Yes,Yes,CR1447963,1006
2015-07-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-01,Closed with non-monetary relief,Yes,No,CR1446626,1233
2015-07-01,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-07-01,Closed with monetary relief,Yes,No,CR1448139,3901
2015-07-01,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-07-01,Closed with explanation,Yes,Yes,CR1446696,3580
2015-06-30,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank started charging monthly maintenance fee on checking account based on changed criteria. Earlier to XXXX 2015, EN used to charge monthly maintenance fee of {$14.00}, if "" monthly average balance '' is less than {$1500.00}. Since, XXXX 2015 the bank changed their criteria ie EN started charging monthly maintenance fee of {$14.00} if single day balance in a month is less than {$1500.00}, even though average monthly balance exceed {$1500.00}. The website, online site clearly mentions maintenance fee will be charged if 'average monthly balance ' during a month is less than {$1500.00}. When you call customer service and complain they give credit on the fee charged. 
",Older American,Consent provided,Web,2015-06-30,Closed with monetary relief,Yes,No,CR1445539,3156
2015-06-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am a XXXX who has banked with Eagle National Bank for more than20 years. In the last year the service charges for banking services that allretailers require have been increased anywhere from 20 % to 300 %. Thesare critical services like cash deposits, coin requests, check writing andcheck deposits, ACH activities etc. Our monthly bank fees, not includingcredit card fees have gone from approximately {$90.00} per store per year one year agto over {$160.00} per store per month this year 
",,Consent provided,Web,2015-06-30,Closed with monetary relief,Yes,No,CR1445775,3235
2015-06-30,Bank account or service,Checking account,"Account opening, closing, or management",,"I have checking (debt card number *******************) and credit card account in back of America.
I added my wife to my bank account about XXXX years ago so she can know my financial situation.
I did not allow her to have debit card or check.
When she need money, I transfer for her until her decided to abandon the marriage XXXX.

She left me about XXXX dollars of credit debt and empty my bank before abandon the marriage.
I donot know where she is now, and she did not know the mailing address of my account.
But with the help of EN, she can still successfully steal money from my account even after being removed from my account XXXX.

In XX/XX/2015, she stole XXXX from my bank account (in person transaction).
It caused me big trouble and I called EN XX/XX/XXXX.
EN suggested me to remove her from my account.
I was told she will not be able to access my account anymore.

A week later, she stole another XXXX by ATM.(she is never authorized to have debit card)
I called EN XX/XX/XXXX and got the refund immediately. 
I was told I account is safe now again and again.
I asked for confirmation number and was told I can mention her name XXXX as reference.

A week later, another theft happened, about XXXX purchases.
I filed claim again......and got credit.
XXXX days later, my account was totally empty and it was closed.
I called EN, and was told my wife did it to prevent me from file claim.
EN used all kind of excuse to delay or refuse to solve it.
EN did not give me any solution in XXXX months.

I can not access my account so some date and amount is based on my memory.
EN is on the side of theft and helping crime.

XXXX I XXXX can not access EN branch. My autopay associated to EN checking account were all rejected. My tax return payment with this account was also in process. It also caused big influence on my credit score.",,Consent provided,Web,2015-06-30,Closed with explanation,Yes,No,CR1444415,2810
2015-06-30,Credit card,,Delinquent account,,"Company continues to report incorrect and incomplete information despite multiple notifications of error. Company lists account as a charge-off, closed by credit grantor, with a balance owed, although debt was discharged via bankruptcy in XXXX 2014. Have contacted Consumer Reporting Agencies following instructions on their websites, XXXX via certified mail, and supplied supporting documentation. Also contacted this creditor directly via certified mail. 

Requesting company to immediately report account correctly as discharged in bankruptcy, with no balance due, and recall monthly reports of charge-off for the period spanning XXXX 2014 to XX/XX/XXXX. 
",,Consent provided,Web,2015-07-19,Closed with explanation,Yes,No,CR1445819,291
2015-06-30,Credit card,,Identity theft / Fraud / Embezzlement,,"I have reached out to EN, because the information they are reporting on my credit file is not correct. I reached out to EN on several occasions to get the correct information on my credit file, but they keep reporting incorrect information. I have emailed the company, certified mail, and challenged per my credit file, but EN has not updated my credit information with the correct info. 
I have already spoken with your office about this account several time per the FCRA it is well over the XXXX days response time to respond to my request. It actually been over a year I have been trying to get Eagle National Bank 's derogatory information off of my credit file. EN is in violation of multiple FCRA violations by knowing continuing to report erroneous and false information that I have asked numerous time to be validated which it was not. 
",,Consent provided,Web,2015-06-30,Closed with explanation,Yes,Yes,CR1444751,533
2015-06-30,Credit card,,Closing/Cancelling account,,"My mother had requested a credit card in my name with ALL of her creditors to assist her with purchases after my father died and she became XXXX.  I was NOT a card owner, just a card signer.  ALL of the credit card companies were notified of my mother's passing in XX/XX/XXXX and all but Eagle National Bank cleared those credit cards from my credit account.  I rec'd a letter from B of A in XX/XX/XXXX asking for payment.  I called them and explained yet again what had happened. Not hearing anything further, I was under the impression that things were taken care of.  5 YEARS LATER, I received an email from XXXX that Eagle National Bank reported the non payment again.  If I did NOT have a membership with XXXX, I would have NEVER known about this problem.  Until I personally called Eagle National Bank, I had no idea what was going on.  Why did it take XXXX years, and why did they not contact me personally?  They were advised again that this was NOT my account but my parents.  Again, they have denied my claim and are holding me responsible for the outstanding balance due.  

I am attaching the letter that was sent to Eagle National Bank.  You will see that I also copied and mailed that letter to each credit reporting agency, as well as CFPB and the OCC.  The letter will explain in more detail my issue with Eagle National Bank.

Also, the account number changed XXXX times over the years, and the account number listed on my credit reports is yet another number, and so I cannot even provide that as you only receive a partial number on your report.  

I want Eagle National Bankn to contact all XXXX credit reporting agencies to have this removed my credit history.  This account should have been canceled in XX/XX/XXXX or at the latest, XX/XX/XXXX.  It was closed and yet remains on my credit report.

Thank you for your time and for looking into this matter.",,Consent provided,Web,2015-06-30,Closed with explanation,Yes,No,CR1444387,1841
2015-06-30,Credit card,,Billing disputes,,"We have a Eagle National Bank credit card for many years now. Every month I set up the payment to be taken from our checking account ; usually for the full amount due. This month, XXXX 2015, I set the amount to be paid ( {$8700.00} XXXX to come out of our checking account on XXXX XXXX, the due date. It did. The total amount due was {$8700.00}. On XXXX XXXX, they also deducted another {$8700.00} from our checking account. Fortunately, we had just sold our house, so we had money to cover the double payment! I called them on XXXX XXXX and asked them to put the money back. I was told it would take XXXX business days to do so. It finally reached my bank, this morning, XXXX XXXX. We were never given an explanation on how this happened, compensated for the use of our money, which I feel is only fair. If we had not sold our house, this would have put our finances and other payments taken from our checking account in serious jeopardy! My greatest fear is that this might happen again with them. I will be canceling our credit card within the next month. Thank You 
",Older American,Consent provided,Web,2015-06-30,Closed with explanation,Yes,Yes,CR1445431,1496
2015-06-30,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"Eagle National Bank steals from a XXXX Identity fraud victim while she was in the hospital. 

Identity Fraud, It is a scary situation, even more difficult when you find yourself moving back and forth from a XXXX to a XXXX assistance program. But what do you do when your bank also seizes the opportunity to steal from you and from the taxpayers, stating "" it is not our fault you are a victim of Identity Fraud. This bank did n't make the error '' XXXX XXXX came to New York XXXX years ago with her husband for medically related issues. XXXX based on her medical situation, no private insurance would pay for a XXXX. Since only XXXX XXXX in the country were qualified to perform this XXXX, they found themselves in New York. Her situation was very dark. 
After losing their home, cars, and business to a medical bankruptcy, they made their way with a very slim hope of surviving. While others were fighting "" The Great Recession '', XXXX and her husband had to face XXXX, XXXX, XXXX, XXXX, Social Security, XXXX XXXX XXXX, XXXX ... on and on and on, all while significant budget cuts were being made. "" I felt like I was a criminal, constantly begging and pleading for help to survive '' Top it off with a hospital bed every XXXX weeks based on an XXXX. In all XXXX XXXX totaling over XXXX days, XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX of doctors ' appointments, XXXX, XXXX, and XXXX all while trying to survive on a net XXXX income of {$770.00} after the government copays and premiums. Since they were only granted up to XXXX hours a day in XXXX, XXXX had to take care of his wife the remaining time, thus limiting any chance of employment. They also had to wrestle the fact that they were not allowed to make any additional income because they would have lost all the medical coverage and benefits they needed to survive. Their only option, to do the best they could to survive in New York on less than {$800.00} per month. XXXX and XXXX never lived a life of always taking and never giving back. Though they were stuck in this situation, they feared become a drain on society without doing their part to give back, no matter how small that was. They also felt alone since they were just a number or a case to many government agencies, Hospitals, etc ... To compensate, and to show appreciation for what little they were given from the government and the taxpayers, XXXX ( and XXXX when possible ) would donate their time to their church, dialysis centers, and many other non-profits like WOOinc - an inner city youth development program in XXXX. 
During one of XXXX 's XXXX, XX/XX/XXXX, XXXX and XXXX fell victim to Identity fraud summing up over {$1000.00} of charges through XXXX. Like most Americans, accounts were linked, in this case XXXX was linked to her bank account and this started a chain event of bank fees and charges. Most conspirers of identity fraud now use different websites and smaller dollar amounts, instead of one lump sum, causing an even more difficult time proving/getting the charges reversed.. 
Like all of us who have fallen victim to Identity fraud, XXXX did what they had to do while his wife was at home with the nurse aide. They filed the police report, who also directed them to the FBI since it also included a web based sites. XXXX, contacted XXXX and Eagle and filled out all the necessary reports/documents. XXXX 
",,Consent provided,Web,2015-06-30,Closed with monetary relief,Yes,Yes,CR1445009,2005
2015-06-30,Bank account or service,Checking account,Deposits and withdrawals,,"I bank at Eagle National Bank in XXXX, VA. I have a checking account and a savings account. The checking account is an account for Senior Citizens. I am retired and receive a monthly Social Security check and a pension check from my former employer. My wife continues to work and will receive her XXXX Social Security check next month. In checking my bank statement today, I discovered that I had been charged five overdraft fees of {$35.00} each. 
My account never had a negative balance. My wife and I went to the bank on this past Saturday to deposit a payroll check from her company. I specifically told the Teller in front of my wife that I was depositing a pay check and asked her to deposit the amount of the check as cash as the bank had agreed to do many times before. The Teller advised me and my wife that the check was deposited as cash. Today, I discovered that the bank had deposited {$500.00} as cash and the remainder of the check as a check subject to the banks holding policy on checks deposited into checking accounts. I called the Customer service XXXX number and explained the problem. The service representative understood my complaint and put me on hold to talk to her Supervisor. When she returned to the call, she advised that she was transferring me to her Manager to resolve the problem. Her Supervisor immediately got the Branch Manager of the XXXX Bank on the line and left the call. I explained the problem to the Branch Manager and she asked me if I had identified the check as a payroll check. I told her that I had done this as I have done many times previously. She said that the Teller was working today and put me on hold to ask her if I had identified the check in question as a payroll check. She got back on the line and said that the Teller did n't recall but later called me back and said that the Teller did remember cashing my check as cash, giving me {$500.00} at the time and depositing the remaining {$1600.00} as cash into our checking account. However, our account did n't reflect this understanding causing the {$170.00} overdraft fee. The Branch Manager said she would look into this but called me back to advise that she could n't reverse the {$170.00} overdraft fees because there has been a change in policy resulting in our account being charged the fees. I told her that we were not advised of any change in policy and the Teller had told us that the check was being deposited as cash into our checking account. Our checking account still remains debited for {$170.00}. I believe that Eagle National Bank is fully aware of my problem and similar problems but has failed to change their accounting rules and processes because these mistakes benefit the Bank at their customers expense XXXX. I am asking the CFPB to help me resolve my specific problem by having the bank return the {$170.00} in fees to me and to look at the broader consequences for consumers if this Eagle National Bank policy is allowed to continue. 
",Older American,Consent provided,Web,2015-06-30,Closed with monetary relief,Yes,No,CR1445548,210
2015-06-30,Credit card,,Billing statement,,"I recently was approved for a Target credit card. When I went to the company 's website to sign up for online account management I was not allowed to sign up because I would not agree to receive all communication, including monthly billing statements electronically. In addition, I would also have to agree to pay my credit card bill through their website. I declined to sign up. I believe this is unfair. 
",,Consent provided,Web,2015-06-30,Closed with explanation,Yes,No,CR1444838,3174
2015-06-30,Credit card,,Other,,"The creditor Eagle National Bank USA/Target Credit is reporting an incorrect first delinquency date on my XXXX report. This account has aged off on both of my XXXX and XXXX reports. I have tried disputing it a few time through XXXX but the account keeps returning that the information was verified and belongs to me. I have also spoke with reps from XXXX dispute department trying to explain to them that the account is reporting the wrong date and should of aged off my credit report. The only feedback I get from them is to contact the creditor direct. So I called Eagle National Bank/Target today and spoke with a rep from their corporate headquarters that deals with credit accounts. She advised me that this account no longer has any history with their department and to dispute it. I stated to her that I have disputed the account a few times and that someone in her company is verifying the information as being correct. Then I requested if I could have her send me a letter stating that the account no longer has history, so I could use it to submit to XXXX, ; she refused. Then I asked her how is it that you are claiming there is no history available on this account but yet some how its being verified. She could not answer the question. So I politely asked if I could speak to a supervisor that deals with the credit agency disputes and she got nasty and told me she must release this phone call and good luck. 
By Law this account should of aged off after 7 years of reporting and it has n't due to Eagle National Bank/Target reporting false information. 
",,Consent provided,Web,2015-07-01,Closed with explanation,Yes,No,CR1445354,3595
2015-06-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-07-01,Closed with non-monetary relief,Yes,No,CR1445241,4595
2015-06-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-30,Closed with explanation,Yes,Yes,CR1446105,4682
2015-06-29,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I have a complaint about Merrill Lynch XXXX Alabama office. My XXXX account was taken over with funds exceeding over {$76000.00} and ML allowed a person that was never on account to withdraw all funds. The local Judge heard the case and has ordered that account be refunded, however to this day from XXXX nothing has been done. I have court order with me as XXXX account sole custodian and I have every check that ML has allowed to be cashed and taken from account even after account was frozen. 
",Servicemember,Consent provided,Web,2015-07-07,Closed with explanation,Yes,Yes,CR1443307,3368
2015-06-29,Credit card,,Customer service / Customer relations,,"I am writing to complain about the Fidelity XXXX XXXX XXXX XXXX XXXX XXXX issued by FIA Card Services. 
Consistently, every month, my spouse or I are declined at the point of sale for small amounts, such as today for {$5.00} for an XXXX transaction and a {$64.00} meal transaction at a restaurant in the same city that I live in. And consistently, we have to be embarrassed at the point of sale followed by a call to Fidelity Card Services, where they trot out the same old excuse of fraud scanners and analyzing for suspicious activity. This happens at least once every month and they claim that they will rectify it. It is at the point where I plan on closing the account because of the level of interruption. 
",,Consent provided,Web,2015-06-30,Closed with explanation,Yes,No,CR1442045,100
2015-06-29,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,"Eagle Federal Savings, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXXThe bank above is involved in bait and switch selling. I have a CD on deposit there which they insist on substituting for a mutual fund. They will not listen to me or answer any questions about the CD account ; nor provide a contract, terms of agreement or method of payment for the mutual fund. All they repeat about the CD is "" You do n't need it, '' - which they bark out almost in unison - with out submitting any proof. The pressure is unbearable. 
I am a retired US citizen living XXXX. I am XXXX years old, unemployed and a XXXX. I have documents to prove my medical condition. I visit the USA every year to try and wire back some money for living expenses. My US address is in XXXX NY. I am going to travel to the USA later this year and try again. If I meet with the same opposition again, what should I do? 
",Older American,Consent provided,Web,2015-06-29,Closed with explanation,Yes,No,CR1441966,4624
2015-06-29,Bank account or service,Checking account,"Account opening, closing, or management",,"My ex-wife obtained pictures of checks I mobile deposited. When questioned how she admitted that XXXX of her clients ( my ex is a XXXX ) works for Eagle National Bank in XXXX South Carolina and obtained these for her. I went to see my local branch manager who was helpful and opened an investigation. I had to close my account and I opened a new XXXX ( I watch it daily to make sure there is no funny business going on ), and I was told my account would be watched for any questionable activity. Meanwhile I had to lay out {$80.00} to have new checks printed and sent to me XXXX day air. This whole mess caused absolute chaos in my bank account and I am just now about XXXX months later, getting back on top of things. Meanwhile because of the mess the banks employee made, I have had overdrawn checks and they have made at least {$500.00} in fee 's off of me. 
",,Consent provided,Web,2015-06-29,Closed with monetary relief,Yes,No,CR1441860,10198
2015-06-29,Credit card,,Other fee,,"We were surprised to find that Yard Card added a {$120.00} promotional fee to a XXXX-month no interest plan. We were n't informed of this addition nor is our purchase now "" interest free. '' 
",Older American,Consent provided,Web,2015-06-29,Closed with monetary relief,Yes,No,CR1442996,3317
2015-06-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-06-29,Closed with monetary relief,Yes,No,CR1444283,1554
2015-06-29,Credit card,,Other,,,,Consent not provided,Web,2015-07-01,Closed with explanation,Yes,Yes,CR1443772,4821
2015-06-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-06-29,Closed with explanation,Yes,No,CR1442254,9403
2015-06-29,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-06-29,Closed with explanation,Yes,Yes,CR1442023,6485
2015-06-29,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-06-29,Closed with explanation,Yes,No,CR1443421,2420
2015-06-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-29,Closed with explanation,Yes,Yes,CR1443759,314
2015-06-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I 'm constantly getting calls from : XXXX XXXX. The person whocalled said her name was XXXX XXXX, calling XXXX XXXX, about my account w/Eagle National Bank, last XXXX digits of the social is XXXX. 
I told them, several times now, to quit calling me. Even tho my namemay be XXXX XXXX, that is not my legal name, nor does my SS # end in XXXX and to please REMOVE MY NAME & NUMBER FROMtheir list. I get a call regarding this info, at least once a day for the last30 days, and finally I 'm fed up w/it. 
",,Consent provided,Web,2015-06-28,Closed with explanation,Yes,No,CR1441757,1079
2015-06-28,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited a cashiers check for {$2900.00} into my Eagle National Bank checking account. Eagle National Bank placed a hold on the cashiers check to ensure that the check was good. After a few days, the bank cleared the check and the funds were made available to me. I then called the bank to verify that the check was good and the money could be spent. Eagle National Bank confirmed that the check was good and the money could be spent. After I spent the money, Eagle National Bank notified me that the cashiers check was fictitious. Eagle National Bank now wants to collect the {$2900.00}, plus fees, from me. I do n't think this is right. Please help me. Thank you. 
",Older American,Consent provided,Web,2015-06-30,Closed with explanation,Yes,Yes,CR1441733,156
2015-06-28,Bank account or service,Other bank product/service,Deposits and withdrawals,,"My family has been a customer of Eagle National Bank since XXXX. Even though from XXXX my family moved to XXXX states, I always keep my account and a deposit box with EN. In XXXX fall, my family moved to XXXX, I transferred my deposit box at a branch of EN. I 'm writing this letter because I loss a big amount money at this EN branch. I have reported and provided all details of my experience to Eagle National Bank for their investigation. However, no one reposed to me. I have to write a letter to XXXX XXXX ( President, CEO ) in XXXX XXXX. Then I received a letter from XXXX XXXX ( Customer Advocate, Office of the Chairman and CEO ) on XXXX XXXX, XXXX. In this letter, it said that "" please allow a minimum of 45 days for a complete investigation to take place. You will be notified by mail of the decision. '' At the meantime, a lady called me and told me the same point of view. Nowadays, Time has passed 200 days, and I have not got respond from EN. Therefore, I have to complain this accident to you. 

Incidence : On XXXX XXXX, XXXX morning about XXXX : XXXX, I went to open my safe deposit at Eagle National Bank XXXX VA XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX, XXXX. I found that an envelope retaining {$10000.00} in cash that was supposed to be in the safe deposit box was missing. Last time I checked the safe deposits box this branch ; the cash was still in the box then. The register card showed that none of the signers or owners has accessed the safe deposit box. 
",,Consent provided,Web,2015-06-28,Closed with explanation,Yes,Yes,CR1441653,1161
2015-06-28,Credit card,,Balance transfer fee,,"I called AAA to active a credit card. I was told about a balancetransfer, Interest free until XX/XX/XXXX. 
",Older American,Consent provided,Web,2015-06-28,Closed with monetary relief,Yes,No,CR1441679,806
2015-06-28,Credit card,,Other fee,,"I called to activate my Cash Rewards ( chip ) card on XX/XX/XXXX and was assisted by XXXX ( I do n't recall if I asked his name, I learned of XXXX 's name from XXXX who I spoke with on XX/XX/XXXX ). I do n't remember why I mentioned to him I was going to XXXX and he offered to place a travel exclusion on my card. He also told me if I use the card in XXXX I will "" not be charged foreign transaction fees. '' I thanked him for letting me know as I initially "" planned on using my XXXX card but, now that you told me I wo n't get charged foreign transaction fees, I 'll use this card instead. '' He also told me if I needed to call while in XXXX, I can call toll free. To make a long story short, I used the card for all our expenses in XXXX. I noticed while in XXXX that I was getting charged foreign transaction fees however, I did n't give it any thought since I was told I was not going to be charged. I thought these fees needed to be charged then they will be credited back. I did n't call to verify since I did n't want to be charged for the phone call by my cellphone carrier nor by the resort where I 'm staying. When I got back from XXXX, I checked my account to make sure all charges were accurate and then called ( not sure of the date, XX/XX/XXXX or XX/XX/XXXX ) to inquire about the foreign transaction fees. I told my story ( about being told I was not going to be charged foreign transaction fees ) to the associate ( forgot to ask his name ). He told me my other card, the Travel Rewards card does not charge foreign transaction fees. I told him the Travel Rewards card was not discussed when I called to activate the Cash Rewards card. I asked to review the call. He proceeded to tell me the "" foreign transaction fees charged only totaled to {$20.00} '' - it 's actually {$40.00}! He told me someone will call me back in 2-3 days. After not hearing from anyone, I called back on XX/XX/XXXX and spoke with XXXX. I told him I was following up on my dispute and, to my utter dismay, I was told there were no notes regarding the dispute nor the call I made. He apologized and informed me that he asked his Manager if he could refund the fees however, was told "" no '' due to the lack of notes. He told me not to worry as he was placing notes as we speak. Again, I was told to expect a call back in 2-3 days which did not happen. I called today, XX/XX/XXXX and spoke with XXXX different associates ( every time I was "" transferred '' I was told I needed to speak with someone in Disputes but I always ended up speaking with another Card Customer Service Rep ). All XXXX associates told me there were no notes on my account about my previous calls!!! Unbelievable and very frustrating!!! XXXX, the last associate I spoke with today told me he 's not able to refund the foreign transaction fees. He said I must have misunderstood since my XXXX Rewards card does not charge foreign transaction fees. I told him that when I was activating my card, the Travel Rewards card was not discussed. He then told me I should have known from the terms and conditions of the card, I said I understand however, I did n't think about that and after being told I was not going to be charged. I believed what I was told and feel I was deceived so I 'd use my card. I asked for the name of the associate who activated my card/placed a travel exclusion on my card, he responded that my card could not have been recently activated ( "" must be three years ago '' ). I had to explain I was mailed the Chip card thus the activation. I asked for the call to be reviewed, he said he said he 's not able to review the call nor does he know who 's able to review the call. He further stated that he already sent a feedback regarding my experience. I asked if all calls are recorded and he said "" yes '' so I asked for call review. 
",,Consent provided,Web,2015-06-28,Closed with monetary relief,Yes,No,CR1441627,1000
2015-06-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-06-28,Closed with monetary relief,Yes,No,CR1441616,4018
2015-06-27,Bank account or service,Checking account,Deposits and withdrawals,,"Between XXXX and XXXX of XXXX while researching investments via the world wide web I came across an advertisement of sweepstakes Income machines that would be placed in "" HIGH TRAFFIC '' areas and would produce residual income, this investment vehicle was the "" XXXX '' of self made XXXX XXXX XXXX. 


After making contact with their office and talking to XXXX XXXX XXXX and XXXX XXXX XXXX, they eventually convinced me to make the investment of which i was eager to invest in something i believed to be a legitimate business opportunity. On XXXX XXXX, XXXX I deposited {$4900.00} into what i thought was a legitimate bank account at the Eagle National Bank branch in downtown XXXX at XXXX XXXX time, Eagle National Bank is responsible for my fund deposited into their Institution as well as allowing an account to be opened for the purpose of "" MONEY LAUNDERING '' in a "" PONZI SCHEME ''. 


My Customer receipt Information : XXXX XXXX XXXX/XXXX/XXXX XXXX Entity NIL XXXX XXXX XXXX # XXXX R/T # XXXX $ XXXX FDIC Member XXXX XXXX XXXX XXXX, XXXX i received a congradulatory letter XXXX XXXX and XXXX. informing me also that they had received my investment monies and that my XXXX XXXX Machine will be placed within XXXX days of the letter they sent me. 
XXXX the XXXX, XXXX I received another letter from XXXX XXXX and or XXXX XXXX, XXXX. regarding the delay of placing my XXXX XXXX Machine due to the increase in investors and that due to the delay they would have my placed, up and running with 10 % interest within 45 days from the above mentioned mentioned date. 


After several unsuccessful attempts to contac and or connect with the above mentioned XXXX XXXX, XXXX. employees and XXXX XXXX him self, i began to file complaints with local authorities in an effort to get back my {$49000.00}. 

XXXX XXXX. XXXX i filed a complaint with the Attorney General 's Office # XXXX XXXX, XXXX file a complaint with the Illinois XXXX XXXX XXXX, XXXX at XXXX i contacted Eagle National Bank Corporate office and spoke with XXXX who said that she would communicate my concerns to Chairman and CEO XXXX XXXX whom of which i have n't from as of the date of this complaint. Ref # XXXX. 


XXXX XXXX, his employee 's, agents are responsible to the general public for the safeguard and protection of all financial and or tangible assets deposited into their institutions and are responsible for my {$4900.00} deposited into their downtown XXXX branch on XXXX XXXX, XXXX at XXXX. 


Eagle National Bank and its Directors, CEO, Agents and employees ' are held to the "" HIGHEST ESTEEM '' to safeguard the public form "" FRAUD '' and "" MONEY LAUNDERING '' within their institutions, "" THEY HAVE FAILED ''!!!! 
",,Consent provided,Web,2015-06-27,Closed with explanation,Yes,No,CR1441411,2383
2015-06-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My wife filed for bankruptcy years ago.The mortgage company put a lien on our home and she paid it off. The bank sent a letter stating the debt was paid in full but now they will not remove the lien. This has been going on for two years. 
",,Consent provided,Web,2015-06-27,Closed with explanation,Yes,Yes,CR1441425,5606
2015-06-27,Bank account or service,Checking account,Problems caused by my funds being low,,"The company charges an overdraft fee then waits for you direct deposit to post before it pays the merchant. i borrowed money from a lender and once payed back you can borrow XXXX days later. The company "" payed '' the lender my account went negative as a result they charged me the insufficient fund fee but XXXX days later i was n't able to borrow again. i had to wait XXXX days after my payroll deposited. They essentially claimed they paid, charged a fee but waited until my direct deposit posted until they payed the merchant, 
",,Consent provided,Web,2015-06-27,Closed with monetary relief,Yes,No,CR1441410,9457
2015-06-27,Credit card,,Payoff process,,"Eagle National Bank credit card web page allows recurring payments for a set dollar amount, but they do not offer any mechanism to pay the full statement balance in full automatically. You can pay a certain amount each month. You can pay a XXXX time payment of any amount. However, when you go to the XXXX payment page they do not show you the full balance, you have to remember it. 
When you try to use their Contact Us function on their web page and select email, you must select XXXX of XXXX topics under the credit card option. The XXXX options are statement copy or financial hardship. Unless you select XXXX of those, you cannot complete the rest of the form. They have set up their system to make it difficult for people to avoid paying interest and late fees. This is an intentional mechanism to increase their fee revenue as well as their interest revenue and must change. They are XXXX the largest card issuers in the country and every other card company I use offers a ""Pay Statement Balance in Full"" option on their recurring payments. This should be considered consumer fraud.",,Consent provided,Web,2015-06-27,Closed with non-monetary relief,Yes,No,CR1441361,895
2015-06-27,Credit card,,Other,,"Eagle National Bank has illegally added a credit card account and living address to my credit report in violation of the FCRA. I do not have a credit card with this company, nor am I a authorized user. 

It was explain to me that it was a different social security to this account. I never had a card with this company under this account. 
",,Consent provided,Web,2015-06-27,Closed with non-monetary relief,Yes,No,CR1441233,2043
2015-06-26,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank not only charges for checks, but also for deposit slips to loan OUR money to them. I would like free slips, and also checks, which formerly were given free. I was told by a cashier that they could be ordered FOR A PRICE, but if enough complaints were filed, corporate may yield. We have a regular checking account. 
",Older American,Consent provided,Web,2015-06-26,Closed with monetary relief,Yes,No,CR1441273,1071
2015-06-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Hi, I opened a IRRA account with Merrill Lynch XXXX when I changed over jobs 3 years ago and moved my then XXXX into the IRRA account. At the time of set up I set up my wife as the beneficiary to the account. I recieved verification of my account in a portfolio summary after the account was established. 
Today, I recevied notificaiton that another account I have with Merrill XXXX was charged a fee that it should not have been so I called to have it removed. At that time the agent informed me that he had to do an account review with me and asked me to verify my beneficiary. I told him who it should be ( I actually named my wife and children not remembering I only set up my wife ) and he informed me that a different person was listed. The name he provided was someone who I did not know nor did I ever list them as my beneficiary. I informed him of this and was transferred to another associate to help me set up my beneficiary ( which I already had upon account set up ). 
After talking with the new assoicate I was told my account was now enabled to view the Beneficiary information online and he would email me the beneificary form. I said that was fine but now I was very concerned that my account was hacked or how this new person got listed as my beneficiary. After further pushing on my part he said it would be researched and I would be called back. 
After a few minutes someone called me back and said that someone else 's beneficiary was placed on my account by accident. The account number was similar to mine and was keyed in incorrectly. I told this associate that this was not acceptable and that I needed to speak with a Supervisor or Manager. A Supervisor came on ( XXXX ) and again explained the error. I explained that I understood an error happened but there needs to be some type of security step to ensure this is either verified by another assoicated at the time of input and verified by the customer after such an important account change. He said a verification would have been mailed out but I never received one. 

This random person was set up as my beneficiary since 2012 with no way for me to see it or verify it online. If I were to pass away they would have received the funds that I put aside for my family 's protection. 
After the conversations I have the following concerns : 1 ) How is Merrill Lynch sure this has not happened on other customer accounts? 
2 ) Why is n't the ability to view my beneficiary info a base option in their website and why do I have to request special access to see it? 
3 ) What is Merrill Lynch doing to ensure this does not happen again to me next week if this same customer mails in another update. 
4 ) In a day of rampant account fraud why did I have to push the call center agents for this to be investigated when it was learned an error occurred? I was deeply concerned with the casual nature this error was addressed. It may be a drop in the bucket for Merrill Lynch, but for me it is my family 's future. When I spoke to XXXX he seemed to get it and picked it up but it was only after I was upset and pushed. It should be an automatic inveistagtion and account review completed as soon as something like this is reported. 
",,Consent provided,Web,2015-07-06,Closed with explanation,Yes,No,CR1440376,1628
2015-06-26,Bank account or service,Checking account,Problems caused by my funds being low,,"I was charged by Eagle National Bank for an overdraft fee on an account which was not only ineligible for overdraft, but had funds in the account. This has been an issue in the past, but it has always been quickly resolved, due to its illegality. This time, I was informed there was nothing that could be done to resolve the overdraft and subsequent extended overdraft fees, leaving me with a balance of - {$53.00}. 
",,Consent provided,Web,2015-06-26,Closed with monetary relief,Yes,No,CR1440197,11329
2015-06-26,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"On XXXX XXXX I made a payment to Eagle National Bank from my credit union checking account 's onlne service ; the payment was a mistake and should have gone to a different institution. The EN account I made the payment to was a closed account with a XXXX balance. I recently received my statement from the account I meant to pay ( different bank ) showing they did n't receive my payment, which is how I realized I made the error in my payment. At that time I called my bank to retrive the funds.My bank followed procedure to correct the situation but was told by EN they could n't do it due to security reasons and would need me conferenced on the call. On the same day I also called Eagle National Bank to see if I could correct the mistake from my end which resulted in over an hour phone call, multiple transfers ending in being told 'for security reasons I would need to submit a written request, preferably on personalized stationany ( I do still have a loan with EN so it 's not like they do n't have my personal info to compare ). As of today XXXX XXXX, Eagle National Bank has been contacted my myself and XXXX XXXX XXXX to try to retreive the funds of {$3000.00}. to no avail. Both attempts lead to over an hour on the phone with a mimium of XXXX departments who gave us basically the run around and finally ended by transfers that never went through. My bank will be contacting them again on XXXX XXXX to try to continue to retrieve my money but I am filing my complaint now as my past experiences with Eagle National Bank has proved to me that they will not remedy situations unless promted by the federal government. Also, as both my bank and myself have already spent waisted hours resulting in different answers from EN I have doubts that we will be able to resolve the problem on our own. For the record, XXXX different people had originally told me they did locate the payment received on XXXX XXXX, 2015 but that they did n't have the authority to complete the refund. Today when conferenced with XXXX XXXX XXXX Bill Pay department, the different dept of EN could n't find the receipt of the funds. That call ended in the fifth transfer which terminated during transfer so no resolve. 
I would appreciate any help you can give with this matter. 
",,Consent provided,Web,2015-06-26,Closed with monetary relief,Yes,No,CR1440704,1817
2015-06-26,Credit card,,Rewards,,"I have a Fidelity XXXX card issued by FIA. I have XXXX issues. 1. When I originally applied to the card, I was responding to an offer that promised a {$100.00} cash bonus upon approval of the application. I never received the account opening bonus. XXXX. The card has a 2 % cash back program ... the cash is deposited into my linked Fidelity XXXX account monthly ... .which has been working flawlessly except there was no deposit for the month of XXXX. I have dispute the points/cash back calculation with FIA but got a letter saying the calculation was accurate ... which is not possible because I have made purchases every single month ... .in other words, there was no month since I 've opened the account where the balance was {$0.00} and I should not have received cash back XXXX. I recently received a credit from a merchant ... .this was a refund against a purchase made on a different card which is now closed so I opted to receive the refund on my FIA card ... .but this has offset cash back points. This should not have happened as it is not a refund of a transaction that was originally made on this account but rather essentially a payment. 
",,Consent provided,Web,2015-06-26,Closed with non-monetary relief,Yes,No,CR1439281,3412
2015-06-26,Credit card,,Billing disputes,,"I paid off and closed my Eagle National Bank credit card account on XXXX/XXXX/15. The payoff was arranged through XXXX XXXX XXXX XXXX. An automatic recurring online charge of {$21.00} from my phone carrier was charged to the account XXXX/XXXX/15, a full week prior to the payoff but EN never included this charge in the payoff and never sent a statement informing me of this charge. I received a letter dated XXXX/XXXX/15 ( arrived XXXX/XXXX/15 ) informing me of the outstanding balance plus fees bringing my new balance to {$76.00}. I spoke with a EN supervisor XXXX XXXX who initially told me to pay the original charge of {$21.00}, which I did, and she would attempt to remove derogatory credit from my credit report as well as the fees and interest charges. I heard back from her today and she stated I was responsible for the full balance, which today stands at {$54.00}, the result of fees and interest and if I did not pay the entire amount she would not remedy my credit report. My credit history is excellent and had I received a statement my credit history shows I would have paid it off immediately. I should n't be held accountable for these exorbitant fees and charges due to EN 's oversight in not including the original charge to the payoff amount in a timely manner. 
",,Consent provided,Web,2015-06-26,Closed with monetary relief,Yes,No,CR1440466,1893
2015-06-26,Credit card,,Identity theft / Fraud / Embezzlement,,"I received a credit card statement from BankAmericard mailed to my home for a card that I do NOT have and NEVER have had. I have called them and written directly to BankAmericard without any success in resolving this issue. 
",,Consent provided,Web,2015-06-26,Closed with monetary relief,Yes,No,CR1439463,2614
2015-06-26,Credit card,,Balance transfer,,,,Consent not provided,Web,2015-06-26,Closed with monetary relief,Yes,No,CR1439474,3451
2015-06-26,Credit card,,APR or interest rate,,,Servicemember,Consent not provided,Web,2015-06-26,Closed with explanation,Yes,No,CR1439362,2192
2015-06-26,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-06-26,Closed with explanation,Yes,No,CR1439414,3710
2015-06-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-06-26,Closed with explanation,Yes,Yes,CR1439506,4421
2015-06-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-06-26,Closed with explanation,Yes,Yes,CR1440217,2704
2015-06-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-06-26,Closed with explanation,Yes,No,CR1439383,2844
2015-06-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-26,Closed with explanation,Yes,No,CR1439505,4944
2015-06-25,Bank account or service,Savings account,"Account opening, closing, or management",,"I am a long time customer at Eagle National Bank. I currently have a savings account and a checking account with them and previously did not have any issues with transferring money to and from XXXX account to another until recently. I received a letter ( XXXX XXXX XXXX at bottom of letter XXXX that informed me that "" Like all banks, we follow regulations that limit the number of payments and transfers that can be made from savings accounts. Your Deposit Agreement and Disclosures, available at bankofamerica.com, outlines how this transaction limit works. you recently went over the limit during XXXX monthly statement cycles in a XXXX-month period ( or during XXXX months in a XXXX month period if you recieve quarterly statements ). If you go over the limit a third time, we 'll automatically change this savings account to a checking account that does n't have this limit. '' The letter goes on to state that the letter is a XXXX notice to me, which I had only received this initial XXXX. The letter came in a normal envelope, not marked important or time sensitive even though it contained important information about my account and the status it is in. The following is what concerns me about this practice and the deceptive actions by the bank as a whole that they are attempting with this policy. 
Checking accounts at Eagle National Bank, if normal have a monthly fee of {$8.00} a month to maintain it XXXX you have seen that commercial about fiscal lube and all XXXX, as well as a savings account does not have a charge on it unless you go over this XXXX actions a month "" governmental '' regulation that they are imposing. That is a {$3.00} charge AFTER THE FACT of happening. The bank does not tell you this before hand as a representative told me as I spoke to their costumer service center on a phone call. I was "" lucky '' and she did n't "" know why I was n't charged yet for the actions. She proceeded to tell me that that is not "" how a saving account is used and the bank will determine that ''. 
It sounds to me the bank is trying to say the government imposed this restriction on saving accounts to enforce customers use saving accounts as savings not money. What it actually sounds like is a way for Eagle National Bank to fall back on a policy they slipped into play, I never received a notice or letter announcing this policy change about saving accounts, to make up for money lost due to not being able to charge for Debt Card fees. If you think about it, if you change the non money generating savings account into a checking account then that is {$8.00} more a month they are taking as "" fees '' just to have an account. As opposed to getting no money for a savings account. Also, the letter i received never stated what charge I would be seeing if I had gone over the saving account transactions per month even though it would be changed without my notification of knowledge into a checking account to generate money for the company. 
In review I believe Eagle National Bank is misrepresenting themselves with an accounting action against customers of Eagle National Bank in the results of generating additional money for the bank as a company while disregarding the well being of their customers financial needs or unique conditions. This XXXX size fits all mentality is just another way Eagle National Bank is trying once again to get money out of customers for services they are misrepresenting. Please note, if some XXXX people misuse their accounts, then it would be changed to checking accounts and charged {$8.00} per at almost an immediate {$1600.00} for the bank. Given how many customers this bank has I truly believe this is a deceptive practice and needs to be addressed. 
",,Consent provided,Web,2015-06-25,Closed with explanation,Yes,No,CR1439348,3250
2015-06-25,Bank account or service,Savings account,Problems caused by my funds being low,,"I AM A XXXX WITH SERVICE CONNECTED XXXX, MY WIFE WAS MY CARETAKER UNTIL HER DEATH IN XX/XX/XXXX, XXXX REQUIRED ME TO HAVE A NEW PAYEE FOR MY XXXX CHECKING ACCOUNT AND POWER OF ATTORNEY FOR MY NONE XXXX BANKING ACCOUNTS. AT Eagle National Bank, THEY TOLD ME ANDTHE NEW CARETAKER TO ( XXXX ) BRING THE DOCUMENTS FROM THE LOCAL XXXX OFFICE AND POWER OF ATTORNEY TO THEM AND THEY WOULD SETUP THE ACCOUNTS .WE DID AS REQUESTED AND NEW ACCOUNTS WERE SETUP.NOW IT XX/XX/XXXX AND MY CARETAKER HAS IRS PAYMENT PROBLEMS AND MY ACCOUNT WAS OVER-DRAFTED BY {$25000.00} AS PAYMENT ON HER BILLS.NOW THE BANKS IS CHARGING ME LEGAL AND OVERDRAFT FEES, SAYING IS WAS IRS FAULT THE ERROR WAS MADE, IRS SAYS IT IS THE BANK FAULT FOR NOT SETTING UP THE ACCOUNT AS A POWER OF ATTORNEY, WITH OUT ( P.OA. ) ON THE ACCOUNT, NO MONEY WAS TAKEN FROM THE XXXX ACCOUNT BECAUSE IT WAS NOTED AS PAYEE. 
",Older American,Consent provided,Web,2015-06-25,Closed with monetary relief,Yes,Yes,CR1438079,1761
2015-06-25,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"I must required XXXX filed XXXX charging complaint against Eagle National Bank in worst unresolved of overdraft, checking, debit, and credit card into their discrimination issues as they made unresolved of my appearances and they do not like me, too escalated much! They do not welcome me remain with debit, checking, and other banking services until move out of state. At worst unresolved complaint - I am not happy with Eagle National Bank people in XXXX, OR at XXXX in downtown, In addition, they do not interest in my appearances and others in their discrimination reasons are all unresolved problems. I escalated complained against Eagle National Bank are all unresolved problem. They made their responsibility hatred against all my appearances must be recorded to U.S. Senators and Speaker XXXX XXXX in enforced cooperation addresses to XXXX for more excessive orders! 
",,Consent provided,Web,2015-06-25,Closed with explanation,Yes,Yes,CR1439052,3687
2015-06-25,Credit card,,Billing statement,,"Eagle National Bank reported my credit card accout XXXX. The exact same credit card number is reported twice with one having no credit limit information, and the other XXXX with a credit limit of {$8500.00}. Eagle National Bank reports XXXX these accounts opened XXXX. Eagle National Bank reported these on page XXXX and XXXX of XXXX pages on this credit report. However on page XXXX of XXXX on this same report Eagle National Bank reports a third account opened in XXXX. I did not open XXXX credit cards with Eagle National Bank in XXXX of XXXX! Why and how did Eagle National Bank report this information? Why did Eagle National Bank report my credit card account on page XXXX and XXXX then a third Eagle National Bank credit card account on page XXXX. Why did Eagle National Bank report my account twice as if it were two different accounts and why did they report the third account XXXX pages later on page XXXX on the same report? 
On XXXX credit report of the same year XXXX Eagle National Bank reported this same credit card was opened in XXXX with {$26000.00} credit limit. When I reported my card lost/stolen in XXXX of XXXX Eagle National Bank replaced it with the same credit card number as the one reported lost/stolen. I called Eagle National Bank and asked them why they replaced my lost/stolen card with the same credit card number? They then replaced it with a new credit card number, but on the credit report they report it lost/stolen without closing it. Gave me a new credit card number very similar number except the last four digits. Eagle National Bank then gave no answer for the credit limit, but later reports show that Eagle National Bank reported the High Balance of that credit card as the credit limit. Why did they try to replace my lost/stolen card in XXXX with the same credit card number? Why did they change the credit limit so dramatically from {$26000.00} to {$8500.00} when they replaced my lost/stolen card. On the XXXX credit report Eagle National Bank reported a third account. I only have one credit card with Eagle National Bank, I remember they sent me a card in that same time period, I was not happy that they were sending me another card, it did n't make sense, so I called them. They said something along the line of "" oh you do n't want it? '' I said no. This was around that same time in late XXXX. 
I did not open a credit card with Eagle National Bank in XXXX, nor did I close it in XXXX. I do n't even think I opened a Eagle National Bank credit card in XXXX, I believe I opened a XXXX XXXX, but not Eagle National Bank. I only have ONE credit card with Eagle National Bank. 
I want Eagle National Bank to answer and explain all of the above inaccurate information regarding my credit card account in my credit reports. I believe Eagle National Bank deliberately reported my accounts innacurately. Why? 
When this is explained by Eagle National Bank I may need to take their answers to an attorney for processing it legally. 
",,Consent provided,Web,2015-06-30,Closed with explanation,Yes,Yes,CR1437348,11362
2015-06-25,Credit card,,Balance transfer fee,,,Older American,Consent not provided,Web,2015-06-25,Closed with explanation,Yes,No,CR1439349,538
2015-06-25,Bank account or service,Checking account,Using a debit or ATM card,,,Servicemember,Consent not provided,Web,2015-06-25,Closed with explanation,Yes,No,CR1438237,11406
2015-06-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-25,Closed with explanation,Yes,No,CR1438219,5145
2015-06-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-25,Closed with explanation,Yes,No,CR1438221,3165
2015-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,"At extremely XXXX, I required to XXXX file XXXX charging complaint against Eagle National Bank that they made extremely neglected against XXXX XXXX XXXX in their bank records included employees do not like me and my appearances so they did not let me know about a refund check in leading increased complaints with Eagle National Bank will be continually increase suicide lead to XXXX XXXX XXXX. At extremely, I was not happy with Eagle National Bank account that they did not tell me about how long do I join with Eagle National Bank because of that I can not remember and I did not understand that EN mailed me XXXX packaging included documents as please take enclosed document to authorized person who understand reading more than mine at this requests. I was not happy with Eagle National Bank at formal request. I knew that Eagle National Bank employees still refused released printed rent checks with sad icons in their banking computer with my bank account. They acted in XXXX that they afraid released my rent paid check with sad icons forwarded to Speaker XXXX XXXX and XXXX. Senators, plus YOUR HEADQUARTERS ADDRESS IN NORTH CAROLINA MUST YOUR RESPONSIBILITY FORWARD TO YOUR STATE XXXX. SENATORS ABOUT MY PRINTED PAID RENT CHECKS WITH SAD ICONS AT FOLLOWING REQUESTS. It was not resolved problem will be remaining stay extremely complaints. see next page: 
",,Consent provided,Web,2015-06-25,Closed with explanation,Yes,Yes,CR1437047,2618
2015-06-24,Bank account or service,Checking account,Problems caused by my funds being low,,"At finally, I required to file extra-charging complaints against Eagle National Bank that They still refused send my paid rent check with sad icons forward to Speaker XXXX XXXX and U.S. Senators and they refused helped with me into credit card declined because of overdraft and bad credit records as XXXX official told me that I applied for XXXX Bank for a debit/checking account application had been declined in the past years ago because of Eagle National Bank had my bad record included overdraft and others. In addition, I did not get a refund check {$310.00} since XXXX XXXX, XXXX i checked mail daily, it was nothing to do, so frustrated with Eagle National Bank did not send me a refund check to me without alert messaging to my smartphone, it helps me a notification alert. They declined my credit card with XXXX that they discriminated me that had not resolved problem. I do not want call Eagle National Bank without person will take care of me. 
",,Consent provided,Web,2015-06-25,Closed with explanation,Yes,Yes,CR1437044,4073
2015-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,"I checked my on-line account with Eagle National Bank today and found a XXXX maintenance fee assessed.  This fee is part of BofA ""updating"" their checking products.  The Change in Terms (CIT) notice dated XX/XX/XXXX for that update indicated that I could avoid the fee if I met XXXX of XXXX requirements as of my XX/XX/XXXX statement cycle. I met XXXX of those requirements as of that date, a CD with a balance of at least $10,000 and a line of credit (HELOC) with a balance of $15,000 or more, so I did not think that the fee would be imposed.  I called BofA today and explained my position.  She stated that the cause was that my accounts were not linked. I stated that as far as I was concerned they all are linked as I can see them all in my on-line profile and can transfer funds among them as needed.    She indicated that this was an internal linking process and she took steps to do that with all of my accounts.  She also processed a reversal to the maintenance fee.  I am writing to make others aware that the same maintenance fee may have been imposed on their accounts despite them having met one of the qualifying requirements .",,Consent provided,Web,2015-06-24,Closed with explanation,Yes,No,CR1435435,8726
2015-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,"I had extremely filed extra charging complaint against Eagle National Bank, so I do not appreciated that I had lost money cause of erosion funds what I used expenses.  I do not happy with Eagle National Bank,  Eagle National Bank made me lot of lost money XXXX that why they never refund money to XXXX so they are not honest as I am not interest in female staff handles this case.   

Eagle National Bank used lot of denial my credit card application as they do not like me with my appearances, that I had been notified to Speaker XXXX completion..",,Consent provided,Web,2015-06-24,Closed with explanation,Yes,Yes,CR1437042,9606
2015-06-24,Bank account or service,Checking account,Using a debit or ATM card,,"MyAccount at Eagle National Bank and or my debit card was charged fraudulently for costs associated with the rental covered under Massachusetts XXXX XXXX as XXXX a XXXX insurer for the at fault accident, for which XXXX admitted fault. Further, charges were allowed that were fraudulent charged by XXXX that I paid throughy Fast Lane Toll which is provided as attachments 
",,Consent provided,Web,2015-06-24,Closed with explanation,Yes,Yes,CR1435788,923
2015-06-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"On XXXX/XXXX/15 Eagle National Bank changed to XXXX. XXXX bank kept my checking account XXXX dormant savings while Eagle National Bank kept my larger saving account and credit card. My payroll check is divided into my savings and checking. There in no Eagle National Bank near me and my calls once I got through, a week later including visiting Bank XXXX XXXX with over XXXX people in the lobby on XXXX/XXXX/15 without being able to speak with anyone I found out yesterday that the only way I could transfer my money from Eagle National Bank was to transfer the money with a charge. This was very deceptive in my eyes and have been totally blindsided and inconvenienced by Eagle National Bank. 
",,Consent provided,Web,2015-06-24,Closed with monetary relief,Yes,No,CR1435648,11638
2015-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,"The banks and their fees its like they dont care about the little people XXXX Dollar transfer XXXX dollar maintence fee what do u need to maintence? This happens all the time now my account is negative because of the fee i had a XXXX balance. 
",,Consent provided,Web,2015-06-24,Closed with monetary relief,Yes,Yes,CR1437222,8636
2015-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,"The Honorable to FDIC Only! 

I write in worst extra file charging complaint against Eagle National Bank that EN called me today, we discussed then at last that 's not resolved problem. I told them it was not resolved problems, so they did not tell me about paid rent check with sad icons forward to U.S. XXXX and Speaker XXXX XXXX. In addition, Eagle National Bank did not tell me about credit card issues information. I told them that I did not receive a refund today and checked my EN on tablet, there is still nothing. 

Still that I do not happy with Eagle National Bank since that I used Eagle National Bank account. In addition, I do not allow female worker involved in this bank issues and me, so use a male accommodation works with me through these/those bank issues. 
",,Consent provided,Web,2015-06-25,Closed with explanation,Yes,Yes,CR1437045,2477
2015-06-24,Credit card,,Billing statement,,"I have a BofA credit card, and did some balance transfers to this card in early XX/XX/XXXX, which included a promotion of something like zero interest for a year or so. Every month since the transfers, there were the interest charge calculations available on my statements so I knew when I had to have certain balances paid off by to avoid interest changes kicking in. Since XX/XX/XXXX, this entire section has been XXXX out ( every month since ) and I 've had to call to verify the amounts to ensure ( for myself ) that I know balances. Its seems to me that leaving these sections blank, anyone could easily overlook what their promotional amount balances are and would easily fall into the trap of interest kicking in. Are n't there laws regarding disclosure on statements that the credit cards should be following?? 
",,Consent provided,Web,2015-06-24,Closed with explanation,Yes,Yes,CR1435766,5441
2015-06-24,Credit card,,Forbearance / Workout plans,,"I would like to request a late fee waiver on my credit card account that was assessed in XX/XX/XXXX, a balance liquidation to a zero percent interest rate. On XX/XX/XXXX I contacted Eagle National Bank knowing that I had not have any late payments exceeding 30 days or more and requested a courtesy waiver on my late fee. 
I was required to go on XXXX Medical Leaves of Absence due to complications related to XXXX and the death of my XXXX daughter XXXX. While on leave my income was cut in half. In addition, my ex-spouse lost his job so I am not receiving any child support. 
While I have been the only wage earner I have submitted applications to alleviate our monthly financial obligations : I was granted an Economic Loan Deferment for my Student Loans, In addition, through XXXX, I was able to get free clothing for my children. I also cut coupons to save on groceries. I still have ancillary expenses related to our daughter 's medical and funeral expenses. XXXX XXXX recently approved my home loan mortgage modification but I am stumped that Eagle National Bank is refusing to lower my credit card interest rate to 0 % so I do not go into default where I can satisfy this debt and waive my late fee. I have to debate if putting food on the table takes precedence over paying my credit card since I will never be able to pay this debt off with an interest rate or get further ahead as I have incurred a late fee due to extenuating circumstances due to my pay cycle and running mere days late. If they 're unable to reduce to put my interest rate to zero percent I will be forced to stop paying them so I can keep a roof and food on the table for my children. Obviously, I need my home for the stability my children and a foreclosure would not be beneficial to my community, particularly now that I am making efforts to pay but not under these unfair terms. I do not want my credit card to go into default and need your assistance in any way I can in keeping this account in positive pay. 

I contend that : I can not continue to pay the variable interest rate of 4.9 % without substantial hardship due to the large balance in excess of XXXX. I am making every effort to pay this debt and need your help. 
According to the Credit Card Act Interest Rate Reduction. Section 101 ( c ) of the Credit CARD Act adds Section 148 to TILA. The Section establishes new requirements for changes in interest rates on credit cards under open-end consumer credit plans. Any interest rate increases that have occurred or will occur since XX/XX/XXXX, will be subject to a mandatory "" look back '' review at least once every six months, beginning 15 months after enactment. Using a "" reasonable methodology, '' creditors will be required to assess the same risk factors used to justify an interest rate increase in determining whether a corresponding decrease in the interest rate is justified. 
Any assistance you can provide would be greatly appreciated. 
Sincerely, XXXX XXXX XXXX XXXX 
",,Consent provided,Web,2015-06-24,Closed with explanation,Yes,No,CR1437225,3140
2015-06-24,Bank account or service,Savings account,"Account opening, closing, or management",,"We opened a Savings Account at Eagle National Bank, XXXX NY on XXXX XXXX, to the amount of {$250.00} on my husband 's account and my account we were informed that if we would add an additional {$2500.00} for 90 days we would be eligible for a bonus of {$250.00}. After the 90 days we did not receive the promised bonus, we went down to the bank and they promised that within a week we should receive our bonus, since then they have been giving us the run-around, and we have not received anything. 
",,Consent provided,Web,2015-06-29,Closed with explanation,Yes,Yes,CR1435700,9196
2015-06-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-06-24,Closed with non-monetary relief,Yes,No,CR1436395,1467
2015-06-24,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-06-24,Closed with explanation,Yes,Yes,CR1436617,2946
2015-06-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-06-24,Closed with non-monetary relief,Yes,No,CR1437230,233
2015-06-24,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-06-24,Closed with explanation,Yes,No,CR1436664,11732
2015-06-24,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-06-24,Closed with explanation,Yes,Yes,CR1436271,4103
2015-06-24,Credit card,,Billing disputes,,,"Older American, Servicemember",Other,Web,2015-06-25,Closed with explanation,Yes,No,CR1435268,4386
2015-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,Other,Web,2015-06-25,Closed with explanation,Yes,No,CR1436547,358
2015-06-23,Bank account or service,Checking account,Problems caused by my funds being low,,"I lost my job on XX/XX/XXXX, 2015 which was my last paycheck on XXXX XXXX, 2015. From XXXX/XXXX/2015 to XXXX/XXXX/2015 Eagle National Bank continue to charge late fees even though it was clear no money was coming into the account. This has not been the XXXX time, that I have endured hardship because of Eagle National Bank overdraft protection which I did not approve. The account should have just denied the transaction as no funds available. In addition, Eagle National Bank allows debtors to resubmit and present transaction over and over again adding to the negative balance. Eagle National Bankn branches has take the position there is nothing they can do about reversing the excessive fees. I had to make a change to our account changing our Social Security check to a debit card because Eagle National Bankn systems knows money will be deposited and the behavior. Thus verifying that this is being done intentionally to build us excessive late fees. On XX/XX/XXXX, 2015, I will go to Eagle National Bank to resolve this issue but I decided to file my compliant because they will be unwilling to remove the excessive late fees. 
",,Consent provided,Web,2015-06-23,Closed with monetary relief,Yes,No,CR1433361,3029
2015-06-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,"My paycheck was direct deposited into my account on XXXX/XXXX/15. On the following day, I used Eagle National Bank 's online bill pay service to pay some bills. All of these payments were declined even though the money was processing in the bank. These declines all incurred a {$35.00} charge each including charges from the payees for a declined payment. This should not have occurred because the check was in Eagle National Bank 's possession. 
",,Consent provided,Web,2015-06-23,Closed with monetary relief,Yes,No,CR1433314,239
2015-06-23,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX XXXX of this year, I was informed by the Eagle National Bank that it was terminating my checking and savings accounts I had held with the Bank for about 5 years. I filed a complaint with the CFPB at the time, alleging that they were using a fraudulent method, the FIS Qualifile deposit account system marketed XXXX to determine who among their deposit account holders was likely to default on their accounts, and that I was being unfairly targeted in their use of that system. Nevertheless, in spite of my vociferous demands to see my Qualifile score and the other material EN used to determine that I was not a good credit risk -- or, stated alternatively, that I was more likely than average to default on my savings and checking accounts -- EN closed my accounts on XXXX XXXX. I have since received XXXX checks from them for the small amounts of money I had left in these accounts. 

However, there is a much larger check that I have not received from EN, in the amount of approximately {$800.00}, that is the balance in a savings program in which I enrolled during 2011 that EN calls "" Keep the Change ''. Like automatic savings programs at other banks, "" Keep the Change '' rounds up the dollar value of transactions and places these small amounts -- XXXX cents here, XXXX cents there, XXXX cents, etc., and so on -- in a non-interest bearing "" Keep the Change '' account. 

By the time the Bank decided to close my accounts, I had accumulated {$800.00} cents in that special savings account. Let me make it plain that this was MY money, deducted from my checking account over a period of XXXX years by the Bank, but I have yet to receive a check for that amount, and it seems that my wait may be in vain. The person at the Bank, XXXX XXXX XXXX ( reachable at XXXX, ext. XXXX ), who was in charge of terminating my accounts, denies any knowledge of this account or this program, and refuses to acknowledge that I am owed this money. 

Plain and simple, I want my money back. Who knows how many accounts are being closed using the Qualifile credit scoring system, and "" Keep the Change '' accounts being seized along with those closures? I think there is something brewing that constitutes another fraudulent and illegal pattern of behavior by a big bank. Please help me get my money back, and the money of others who are being ensnared in these little schemes. Thank you. 
",,Consent provided,Web,2015-06-23,Closed with explanation,Yes,No,CR1434735,11911
2015-06-23,Bank account or service,Checking account,"Account opening, closing, or management",,"Tried to access my checking account with Eagle National Bank and was unable to do so. Went to the bank and was told account was frozen. No one was able to give an answer why. Went home and received a letter from the bank stating my accounts ( XXXX ) plus my daughter 's accounts were frozen and will be cancelled without an explaination. The letter was dated XXXX/XXXX/2015 and I received it on XXXX/XXXX/2015. Letter stated 'your personal checking/savings account ending in XXXX will be restricted in 7 days and closed 14 days from the date of this notice. Now we are talking XXXX and I can not access my account and there is only a XXXX # to call, which you can only get an automated voice telling you to leave your name, # and account # and they will get back intouch with you. Went to the bank and they can not help me because they can not see my accounts because its frozen. This is very unfair and the bank seems to forget they are dealing with people and not a number. The issue is both my checking and savings account. 
",,Consent provided,Web,2015-06-23,Closed with explanation,Yes,No,CR1434303,1060
2015-06-23,Credit card,,Unsolicited issuance of credit card,,"Eagle National Bank sent me a pre-approved credit card offer. I contacted them and told them I did not want the card with a limit less than {$10000.00}. The rep stated that they could not guarantee that so I declined the offer. Later that day received an email stating I was approved for a {$6000.00} credit line. I emailed them and told them I declined there offer for anything less than XXXX. They asked for a bunch of personal information "" To process and increase credit line '' I declined and told them to close the account and remove the unauthorized inquiry from my credit reports. They refused. 
",,Consent provided,Web,2015-06-23,Closed with explanation,Yes,Yes,CR1433295,2108
2015-06-23,Credit card,,Payoff process,,"I am writing to complain about practices of Eagle National Bank XXXX. I am writing specifically about their policy for interest fees on balances paid in full. We made an error that we fully recognize as our own in shorting a payment by {$260.00} approximately. Upon receipt of the next statement dated XXXX XXXX, 2015 we received, we immediately paid any difference. Additionally we paid our full balance on the XXXX XXXX statement including the interest charge. Upon receipt of our statement dated XXXX XXXX, 2015 we were charged an additional interest amount based upon all of our purchases the previous month XXXX approximately {$4700.00} of purchases were subject to the rate ). Upon calling Eagle National Bank I was told that while no where on the front page of the bill, which contains the summary and any interest charges, that on the back on page XXXX, in small print, it is written that "" We will not charge interest on purchases on the next statement if you pay the New Balance Total in full by the due date, and you had paid in full by the previous payment due date. '' I understand that there is a residual interest charge, however, the statement is misleading as it states "" Balance '' in the "" Account Summary '' section on the XXXX page of the bill and does not specify "" Pay Off Balance ''. It is my belief that credit card companies should include the payoff balance at the time of the statement so that customers can avoid large residual interest charges. I am a consumer who has never made this mistake in my 14 years as a customer with this company, and in doing so was charged on the mistake of {$260.00} a total of approximately {$80.00} due to the poor information provided. I made the payment within XXXX day of the closing of the new statement to bring my account to what I thought was in good standing. ( i.e the short payment was XXXX on a due date of XXXX, statement closed XXXX, I realized it on XXXX and made an immediate payment ). This is an abuse of the fine print and of the agreement. It is deceptive as well as probably the reason so many people who are much less educated than I are struggling with so much credit card debt. The company was without my short payment of {$260.00} that would have paid off the balance in full for a total of 4 days and earned {$80.00}. 
",,Consent provided,Web,2015-06-23,Closed with monetary relief,Yes,No,CR1433313,2282
2015-06-23,Credit card,,Billing disputes,,"XXXX XXXX XXXX XXXX NY XXXXXXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2015Eagle National BankXXXX XXXX XXXX XXXX TX XXXX XXXXThis is a disputeGentlemen : I wrote the attached letter XXXX XXXX, 2015 and XXXX XXXX, 2015 and this letter XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015 and I have been contacted by the dispute collection dept. 

Clearly Eagle National Bank MISTAKENLY XXXX and admitted same ) sent me {$3000.00}. 

When I received the check there was no explanation and no account number. I cashed the check and spent the money. Even though this was Eagle National Bank 's mistake I am prepared to pay back the {$3000.00}. I told this to the dispute/collection dept. but they insisted that because I had use of the money I would have to pay interest. 

My credit balance, which initiated this whole issue, did not earn interest even though Eagle National Bank had use of the money. They were quite insistent and I therefore hung up on them. 

Like I stated above I am prepared to pay back the money but on my own terms and conditions NOT Eagle National Bank 's. 

I will pay back at the rate of XXXX monthly payments in the amount of {$300.00} each. If this is satisfactory to Eagle National Bank please email or mail a clear unequivocal confirmation with no conditions. Upon receipt of your correspondence I will commence the repayment. Furthermore none of this is to be recorded by ANY of the credit agencies. 

However if you initiate a suit I am prepared to meet you in small claims court. 

Also please do not call me for collections. You owe me my credit balance. 

Sincerely, 
",Older American,Consent provided,Web,2015-06-26,Closed with explanation,Yes,Yes,CR1433614,2659
2015-06-23,Bank account or service,Checking account,Problems caused by my funds being low,,"I was charged overdraft fees for the amount of XXXX so far. When checking my balance online I had enough to make purchases. I paid a bill with the wrong bank card and it went to this account which should have been an overdraft but now I have XXXX overdraft fees. I was in the positive before this charge went through and prior to it going through other items were deducted from my balance. The bank switch these items around so that they would be able to charge the most overdrafts. I was told by an employee of the bank that that they pay the highest items XXXX then to the lowest which made me have these enormous fees. I think this is criminal and they would n't let me opt out of overdraft protection because its a business account. That is not true because I had a business account before and I was able to opt out. with this same bank. 
",,Consent provided,Web,2015-06-23,Closed with monetary relief,Yes,No,CR1433914,798
2015-06-23,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank has continued to allow my account to be overdrawn, has not refused any transactions and now has charged me over {$500.00} in overdraft payments. 
",,Consent provided,Web,2015-06-23,Closed with explanation,Yes,Yes,CR1433747,3210
2015-06-23,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-06-23,Closed with explanation,Yes,No,CR1434612,2488
2015-06-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-26,Closed with explanation,Yes,No,CR1433530,3115
2015-06-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"A payment was sent to Eagle National Bank without my authorization and knowledge and a account was automatically generated. Because the payment would be further delayed if I chose not to use the account that I did not authorize, or even have knowledge of. I did not receive a check by mail and by then I did not have a choice but to use the account. 
The local child support enforcement who sent the payment to Eagle National Bank has knowledge that I was expecting my payment by check but in fact, chose to go against my wishes and have a account opened without notifying me which also delayed payment to me. 

And to insult to Injury, the Bank continuously denied transactions when I used my bank card in the store which was embarrassing, the account had available funds. The reason I 'm told is because I swiped a card that was lost/closed out by mistake, but only because I had not discarded it ( no scissors handy ). Because I swiped this card that had been closed out a year or more ago they ( Eagle National Bank ) blocked transactions for the ACTIVE account, at their discretion meaning Eagle National Bank reported fraud on the active account because I swiped the closed out card by mistake that is NOT even tied to the active account. 
",,Consent provided,Web,2015-06-24,Closed with explanation,Yes,No,CR1431217,13845
2015-06-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"i attempted to obtain a small XXXX loan through my bank (Eagle National Bank), however i was not allowed to fill out an application because i did not make $XXXX a year.",,Consent provided,Web,2015-06-22,Closed with explanation,Yes,No,CR1431515,1106
2015-06-22,Credit card,,Customer service / Customer relations,,"I have had a master card account since XXXX, services by Eagle National Bank for at least the past XXXX plus years. When paying my XX/XX/XXXX bill, I followed the instructions on my payment slip to advise Eagle National Bank of my new mailing address ( Their printed instructions ). On XXXX XXXX, I received my XX/XX/XXXX bill, however it was addressed to my old address & forewarned to me by the post office. I called Eagle National Bank customer service. After endless waiting & being disconnected, I finally spoke with a so called supervisor named XXXX. He told me they still had my old XXXX address on record & not my new XXXX address. I explained that I followed the instructions on the XX/XX/XXXX payment slip. He proceeded to scold me & tell me it was MY fault & that I should have called them to make the change. Several times I read to him the printed Eagle National Bank instructions on the payment slip, and every time he interrupted me to say it was my fault & I should have called. He would not answer my question of why the Bank 's payment slip says to do it the way I did ( which by the way worked with XXXX or XXXX other credit cards! ). He just kept saying it was my fault and was so rude I simply said to please cancel this card! I have emailed a few people at Eagle National Bank, but I doubt I 'll hear from them! Imagine treating a cardholder since XXXX so rudely? If this shows up as anything other than account closed at customer 's request, there could be a negative impact on my credit! This XXXX was so obnoxious, I would n't be surprised if he logged the closing as bank request!! 
",Older American,Consent provided,Web,2015-06-22,Closed with explanation,Yes,Yes,CR1431730,2346
2015-06-22,Credit card,,Other,,,,Other,Web,2015-06-24,Closed with explanation,Yes,Yes,CR1431903,12726
2015-06-22,Credit card,,Customer service / Customer relations,,,Older American,Consent not provided,Web,2015-06-22,Closed with monetary relief,Yes,No,CR1431162,2800
2015-06-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-06-22,Closed with explanation,Yes,Yes,CR1431825,365
2015-06-22,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-06-22,Closed with explanation,Yes,No,CR1431270,5365
2015-06-22,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-06-23,Closed with explanation,Yes,No,CR1431271,2548
2015-06-21,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a cheque account at Eagle National Bank while visiting XXXX in 2013.
Now Eagle National Bank will not send me the balance. I have made XXXX International calls and numerous emails with endless promises made but still no money.",,Consent provided,Web,2015-06-22,Closed with explanation,Yes,No,CR1430988,4299
2015-06-20,Bank account or service,Savings account,"Account opening, closing, or management",,"Eagle National Bank once again is charging ridiculous fees. I spotted a XXXX fee charge stating is was over the limit withdrawal in my savings account. I called because I was not over drawn in my account. Eagle National Bank rep informed me that the Federal Reserve Regulation D requires the bank to charge me if I make more than XXXX transfers from savings to checking. Upon checking Regulation D it states im allowed XXXX transfer transactions. I call Eagle National Bank back and I 'm then told that they only allow XXXX then charge me XXXX for each transfer over XXXX. So which is it? Federal Gov. Says I 'm allowed XXXX, but Bank wants my money so they only allow XXXX. 
",,Consent provided,Web,2015-06-22,Closed with explanation,Yes,No,CR1428983,1455
2015-06-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Hello Sir, XXXX XXXX XXXX XXXX XXXX has a checking account # XXXX XXXX XXXX at Eagle National Bank ,XXXX XXXX, CA XXXX. 
The fraudulent transaction took place from XXXX XXXX XXXX to XXXX XXXX XXXX and {$28000.00} was withdrawn by XXXX XXXX XXXX electronically thru XXXX XXXX XXXX in XXXX, Maine XXXX. 
A series of unauthorized withdrawals were made in amounts of {$1000.00} to XXXX. I, XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, am a secretary of XXXX XXXX XXXX XXXX XXXX. 

I was suffering from XXXX in XXXX of XXXX and was not able to monitor the monthly statements. 
In XXXX of XXXX we discovered that {$28000.00} was missing. We have written and called Eagle National Bank and XXXX XXXX XXXX several times with no result. We talked to XXXX at XXXX XXXX XXXX at ( XXXX ) XXXX several times in XXXX and XXXX XXXX, but except for XXXX time he will not talk to us anymore. 

The details of XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX is as follow : Social Security # XXXXDriver License : XXXX Maine , date issued : XXXX XXXX expiration date : XXXX/XXXX/XXXXBirthdate : XXXX/XXXX/XXXXMother 's maiden name : XXXXAddress : XXXX XXXX XXXX, XXXX, XXXX XXXXEmail address : XXXXXXXXXXXX # for XXXX XXXX XXXX : XXXX Charitable Organization has been cheated and was scammed. I do n't know if XXXX XXXX has done the same thing to other accounts. Please check if XXXX XXXX XXXX and XXXX XXXX XXXX of Maine have defrauded other bank accounts in this manner. Please help us to recover our money and punish the guilty. Our address and phone number are as follows : XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX home ( XXXX ) XXXX cellWe will provide you with any paper we have. 
Thank you. 
Sincerely. 
XXXX XXXX XXXX 
",Older American,Consent provided,Web,2015-06-22,Closed with explanation,Yes,No,CR1428806,1246
2015-06-20,Bank account or service,Checking account,Using a debit or ATM card,,"I recently attempted to make a purchase via the online delivery service, XXXX. The total for my purchases was {$64.00}. The company, XXXX, charged my visa debit card ( Eagle National Bank ) {$70.00}, in case of replacement items that cost more than the original {$64.00} I agreed to pay. I was at the grocery store and the cashier told me my card was declined, although I had over {$1500.00} in my account. Mind you, this is the only card I have. I called the bank and they told me they had cancelled my card because of fraudulent charges. The charges were not fraudulent yet I am having to deal with having no access to my money in the bank because he bank made a decision to cancel my card. Erroneously. How do I stop this from happening in the future? Should here not be regulation over banks controlling a consumers money, when the consumer has not contacted said bank with any accounts of wrongdoing? 
",,Consent provided,Web,2015-06-20,Closed with explanation,Yes,No,CR1428832,13098
2015-06-20,Credit card,,Unsolicited issuance of credit card,,"On Monday, XX/XX/2015, I went into my local Eagle National Bank branch office to obtain a direct deposit form for my employer. I was directed to the desk of XXXX, Relationship Banker with Eagle National Bank. She asked me if I was interested in applying for a Eagle National Bank credit card and I told her I was not interested at this time and wanted to discuss it with my parents. She asked me some other questions which I was made to believe were necessary in order to obtain the direct deposit form. On Saturday, XX/XX/2015, I received XXXX documents in the mail from Eagle National Bank. XXXX document indicated that they had received my recent application for the BankAmericard Cash Rewards Platinum Plus Visa and that it was a duplicate request so it would not be processed. The other document I received congratulated me on my request for credit from Eagle National Bank and that it was approved and that a credit check was done in my name with credit score information included.  I had no knowledge of this application ever being submitted on my behalf and I have been informed that according to the law no one can obtain credit for me without my authorization. Also, because I am under the age XXXXXXXX proof of my income is necessary to apply for a credit card which was never obtained, and was fabricated on the application that was submitted.",,Consent provided,Web,2015-06-20,Closed with non-monetary relief,Yes,Yes,CR1428838,6256
2015-06-20,Credit card,,Credit line increase/decrease,,"I have been using a Target Red card for over XXXX years. When I XXXX obtained the card I was given a {$700.00} credit line due to new credit and limited income as I was in school. In 2012 I reported to target my income had increased well into the XXXX figures and I have established credit and had a FICO credit score above XXXX. They refused to increase my credit line at that time. They have refused to increase my credit line from then and still continue to refuse to increase the limit despite a credit score of above XXXX and an income of {$140000.00}. I believe this is due to my name being XXXX. 
",,Consent provided,Web,2015-06-20,Closed with explanation,Yes,Yes,CR1428975,751
2015-06-20,Credit card,,Identity theft / Fraud / Embezzlement,,,"Older American, Servicemember",Other,Web,2015-06-22,Closed with explanation,Yes,No,CR1428664,1000
2015-06-20,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-06-20,Closed with explanation,Yes,Yes,CR1428799,138
2015-06-20,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-06-20,Closed with explanation,Yes,No,CR1428816,7914
2015-06-19,Bank account or service,Checking account,"Account opening, closing, or management",,"Someone put a fake check in my account when I was XXXX 
",,Consent provided,Web,2015-06-19,Closed with explanation,Yes,No,CR1429184,11083
2015-06-19,Bank account or service,Checking account,Deposits and withdrawals,,"There was Identity theft and fraud with accounts opened in my name without authorization and fraud activities on my checking account. Eagle National Bank reported me to XXXX and held my liable even after I provided proof of the fraud and made claims repeatedly against the fraud 
",,Consent provided,Web,2015-06-19,Closed with explanation,Yes,No,CR1429594,2903
2015-06-19,Credit card,,Arbitration,,"Approximately 2 years ago I contacted XXXX XXXX XXXX ( XXXX ) to settle XXXX large debts I had with a couple of credit card companies. We arranged an amount of money to be drafted to them once a month - and when there were enough funds they would negotiate a settlement with the companies. Everything was fine with XXXX of the companies - a settlement was reached in XXXX XXXX. The other - Eagle National Bank ( FIA card services as it was then XXXX ) - was a different matter. I waited another year and when I thought I had enough funds in my account began to call them about the other settlement. It was then I found out that they used a different company - XXXX XXXX XXXX - to negotiate the settlement ( although XXXX held my money ). I was given a gentleman called XXXX XXXX at XXXX as my negotiator. From then on - despite numerous telephone calls and emails from me, nothing was done, even though they continued to deduct my monthly payment. It was not until recently ( XXXX XXXX, XXXX ) that XXXX ( XXXX ) admitted that since XXXX they were no longer authorized to negotiate with B of A, and he suggested that I call them and try to negotiate a settlement. I explained that if that had been my intent in the XXXX place, why would I have needed them at all. I expressed my desire to have all my funds returned to me immediately, and I would try to deal with it myself. That is when I was also told that they did n't have my funds - XXXX did. I contacted XXXX by email and telephone, however, the "" Customer Service Reps '' were extremely rude - talking over me as I tried to explain my problem and even hanging up on me! I finally managed to contact a supervisor ( XXXX ) who was very helpful and returned my funds ( {$7500.00} ), but I felt I was owed more than that given the length of time it had taken for this to happen ( a year and a half ), the amount of time and energy I had invested in getting to the truth, the fact that they did not put the money in some sort of interest bearing account, the appalling behavior of the customer service reps at both companies and the continual misinformation I was given. And I STILL have not resolved my debt to B of A. Please help! 
",Older American,Consent provided,Web,2015-06-19,Closed with explanation,Yes,No,CR1429257,4630
2015-06-19,Credit card,,APR or interest rate,,"I called Eagle National Bank to ask for help. I wanted to get a lower interest rate on my Eagle National Bank Rewards card because I 'm in financial distress, my credit score is good and I 've never missed a payment. After I explained my situation to their representatives and to XXXX supervisor, they said they ca n't help me. There 's nothing they could do to help me. I find it so unbelievable because I 've heard there 's always help out there, but for me there 's none! I explained to them that I was "" thinking '' on closing the account. To my surprised I checked my XXXX credit report today and is showing Eagle National Bank Credit Card Account CLOSED BY CONSUMER. This makes me so sad because instead of helping me they closed the account. 
",,Consent provided,Web,2015-06-19,Closed with explanation,Yes,Yes,CR1429825,1705
2015-06-19,Bank account or service,Checking account,Problems caused by my funds being low,,"As of XXXX XXXX of my checking accounts had a balance of $ XXXX XXXX a XXXX XXXX debited {$18.00} from that account leaving a balance of negative {$15.00}. The same day, after work at about XXXX, I went directly to a Eagle National Bank ATM and deposited enough cash ( {$16.00} ) to cover the negative balance. I received a receipt dated XXXX with a current and available balance of {$0.00}. 

The following day I checked my account to find that:1. Eagle National Bank assessed a {$35.00} overdraft fee2. Eagle National Bank returned the XXXX transaction ( as if it had not been covered by the deposit ) 3. Eagle National Bank dated the cash deposit XXXX not XXXX despite it being just $ XXXXMy understanding of Eagle National Bank 's own funds availability policy is that any deposit made before XXXX will be credited the same day, and any deposit made after XXXX will be credited the following day. However, the policy also clearly states that the first {$100.00} of the deposit will be "" made immediately available ''. And that was reflected on my receipt dated XXXX where the deposit was applied toward the account balance. However, Eagle National Bank 's actions on XXXX suggest otherwise. 
",,Consent provided,Web,2015-06-19,Closed with monetary relief,Yes,Yes,CR1429881,13687
2015-06-19,Bank account or service,Savings account,Deposits and withdrawals,,,,Consent not provided,Web,2015-06-19,Closed with monetary relief,Yes,No,CR1430547,3880
2015-06-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-06-22,Closed with explanation,Yes,Yes,CR1430691,168
2015-06-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2015-06-19,Closed with non-monetary relief,Yes,No,CR1429206,2048
2015-06-18,Bank account or service,Checking account,"Account opening, closing, or management",,"For some unknown reasons, Eagle National Bank closed all of my accounts like checking, saving, and credit accounts. I tried to contact some banking representatives but they explained that my accounts was closed for "" business decision '' and they ca n't give any further information. I just need to know what I did wrong so that I can avoid in future banking 
",,Consent provided,Web,2015-06-18,Closed with explanation,Yes,Yes,CR1427657,3874
2015-06-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Hello to whom this may concern, My name is XXXX XXXX and on XXXX XXXX 2015 I received a letter from Eagle National Bank stating that they were forgiving my second mortgage debt. I ' am currently in the middle of a refinance transaction and am trying to get the forgiven lien from my property title. I have contacted Eagle National Bank several times now trying to additional information for the title company but I have ben told that they might take any where between 30 to 90 days. This effects my current transaction and locked interest rate. If I do not get anything from them soon I might be subjected to new interest rate pricing or not qualify at all. What I would like is for Eagle National Bank to provide me with a letter to satisfy the lien and have it removed from my title. 
Thank you, XXXX XXXX 
","Older American, Servicemember",Consent provided,Web,2015-06-22,Closed with explanation,Yes,No,CR1426799,13285
2015-06-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I filed extra charging complaint against Eagle National Bank XXXX Eagle National Bank refused send and showed my rent check of XXXX with sad icons on check because of I do not like Oregon resident on Eagle National Bank paper check, Please Release rent check with sad icons must release information to U.S. XXXX at formal requests to male attorney allows looking at sad icons at formal requirement meeting with me in confrontation. 
",,Consent provided,Web,2015-06-19,Closed with explanation,Yes,Yes,CR1428448,1162
2015-06-18,Bank account or service,Checking account,"Account opening, closing, or management",,"i had a laptop for sale on XXXX, this dude sends me a email regards to the laptop. He tells me that hes out of town and needs is as soon as possible. He tells me hey ill send u a check and cash it ill send u some extra cash so you can send it to me and pay the cost to have it here the next day. i was like okay? thinking i never have done anything like this so i go to my bank deposit the check a couple of days later my account was closed and ever since ive been tring to get this fix as soon as possible and i have no leads on anything. 
",,Consent provided,Web,2015-06-23,Closed with non-monetary relief,Yes,No,CR1427247,5308
2015-06-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I was offered back in XXXX a 4.0 % rate refinace by Eagle National Bank, I got the paperwork to signed and the rate was fine at 4.0 % ; after a few weeks they raise the rate to XXXX without telling me. I called them and they said they had made a mistake and now rate had change to XXXX and there was nothing they can do, and that if wanted the loan it was going to be XXXX. I do not think that is correctm 
",,Consent provided,Web,2015-06-18,Closed with non-monetary relief,Yes,No,CR1426796,3803
2015-06-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"In XXXX, I purchased a mobile home in XXXX XXXX, Louisiana. The home was originally financed, and subsequently paid off ( in approximately XXXX, as my own credit report does attest ), with XXXX XXXX. After submitting the final payment to XXXX, I did receive the paperwork and placed it as well as the cancelled check used to pay the last payment into safe keeping with my mother, because I was in the process of moving from the mobile home and into another house. Notwithstanding my naivety, that mobile home being my XXXX ever home purchase, I was ignorant to the fact that I alone was responsible for requesting that the lien be released, and no such instruction existed with the paperwork from XXXX. This did not become an issue until this year ( XXXX ), after laying either dormant or housing an occasional relative, a prospective buyer approached me, cash in hand and offering to buy it. Having no use for it and its age starting to show, I agreed on the spot for a mutually fair amount. Since I knew I owned it free and clear, I consented to the buyer moving it and we agreed that he would receive the title as soon as I could obtain the paperwork from my mother. Well, during the course of the deal, my mother 's apartment complex building burned to the ground, due to an electrical short per the Fire Marshall. Long story short, the "" safe '' filing cabinet, and all but a few photos, was among the items that turned to magma by the time the blaze was brought under control and extinguished. However, in Louisiana, mobile homes are recorded with the DMV, because, since they can, in fact, be reverted back to a vehicle of sorts and possess a XXXX. Therefore, I went to my local DMV and requested both duplicates of the registration and title. It was at this time that I learned that the lien was still listed on the registration, and that until it is removed, a title can not be issued for the home. 
Finally to the point ; to my surprise, it was NOT XXXX XXXX listed as the lien holder, but Eagle National Bank, with whom I had never even dealt with regard to my home. I tried to contact the XXXX office in XXXX, MS , because that 's the address the DMV had on file, but that office had been liquidated. Then, when I contacted XXXX center, they had no previous record of the mortgage or it was "" archived '' and unobtainable, and they recommended I contact EN, which I did. EN reps were very rude this time, and every instance thereafter, almost blatantly unhelpful in trying to help me resolve the issue. The only half-way useful information they have rendered, to date, is that my mortgage was likely acquired with thousands of others from GTF, and that it just happened that I had already made my final payment GT, who provided my docs, but that EN actually had gained the asset. 
EN, upon running my social in their system, they concluded that they had never heard of me or the property, or it was /drum roll ... .ARCHIVED, and unobtainable, stating that if all I had was the registration and ID and that it would be insufficient documentation ... so, good luck with that ... bye! So, I called the FDIC, who instructed me to go to a EN branch, with my registration, and have the manager place a call directly to the lien release department for EN. 
About a month ago, I visited the EN branch in XXXX, TX, as instructed. A supervisor agreed to and did place the call in my presence, and three weeks ago was the last time I heard from the XXXX contact. I totally believe I am being avoided if my number appears on the Caller ID. The FDIC then forwarded me to a comptroller, who forwarded me to the top of EN ( again rude and unhelpful ), and then to YOU as a backup plan. XXXX of your associates encouraged me to file this complaint. 
Thank you, XXXX XXXX XXXX 
",,Consent provided,Web,2015-06-18,Closed with explanation,Yes,No,CR1428171,9798
2015-06-18,Bank account or service,Checking account,"Account opening, closing, or management",,"My credit card has been fraud antsy charged for XXXX year for XXXX without my permission. I went to bank spoke with banker and they were going to contact XXXX and investagate thus far I have not reviewed any assistance or refund reflecting my credit card. I did not authorize the transaction at all. Nor do I watch XXXX. Please help me to find out why Bank of Anerica is negligent in following proper ethics and XXXX in credit card fraud reflecting their bank issued card? 
",,Consent provided,Web,2015-06-18,Closed with monetary relief,Yes,No,CR1427548,11732
2015-06-18,Bank account or service,Checking account,Problems caused by my funds being low,,"On my online bank statement, I have a pending transaction at the top of the page, then XXXX overdraft charges, then a check that shows as cleared with a positive balance. They 're charging me an overdraft fee both for the pending transaction, and XXXX for the check that cleared ( in the past ) with a positive balance. 
",,Consent provided,Web,2015-06-18,Closed with monetary relief,Yes,Yes,CR1427744,3398
2015-06-18,Credit card,,Billing statement,,"An unpaid due amount appeared on my statement ending XXXX XXXX. To me this is impossible since I do online banking and have authorized my bank to pay upon receipt of the e-bill. The credit card services section and bill pay/online banking are with the same major banking corporation. After several phone calls and going up the chain my dispute has not been solved. I had asked card services to remove the unpaid amount from the statement. They continually tell me that my XXXX payment has not been received and that they can not remove the amount. What I thought was a refund of the past due amount actually was treated as a cash advance. I have had XXXX managers in card services tell me that this was a banking error. According to card services the bill pay section made my payment early, XXXX XXXX, which happened to be the ending date of my statement. Therefore, it was credited to the previous month. I contacted bill pay/online banking and asked about when the e-bill was received and paid. According to bill pay the e-bill was created on XXXX XXXX, 2015, received by bill pay on XXXX XXXX, and paid on XXXX XXXX. 
Card services resolution is to reduce some of the interest charges, removal of late charge fees, and pay the overdue charge on a date in XXXX that I can not remember that was told to me. They also suggested that I pay the current minimum due and continue to carry the overdue amount. Neither of these solutions are acceptable to me especially the last XXXX. Carrying an overdue payment for months will ruin my credit rating which, in turn, I will have debt collectors. The bank that I deal with has received government bailout money and I consider my situation to be fraudulent also. Any help that you can give me would be greatly appreciated.. 
",Older American,Consent provided,Web,2015-06-18,Closed with explanation,Yes,No,CR1427832,915
2015-06-18,Credit card,,Balance transfer,,"I was scammed by a company called XXXX who said they could lower my monthly payments and interest on my credit card account. Once I realized what happened I notified my bank which has my checking and savings accounts and my credit card company. I did this on XXXX XXXX for Eagle National Bank and XXXX XXXX for XXXX XXXX. XXXX XXXX and Eagle National Bank both closed my old card and account information and issued me new cards and account numbers. After this Eagle National Bank allowed a {$3800.00} cash advance, which I did not authorize, to process and this was deposited into my checking account. I am willing to repay the cash advance but Eagle National Bank refuses to clear the cash advance fee or the late fee I incurred after I changed my checking account on their website, but they did not debit the account as they were supposed to. 
",,Consent provided,Web,2015-06-18,Closed with explanation,Yes,No,CR1428123,11372
2015-06-18,Bank account or service,Checking account,Using a debit or ATM card,,"I had a business agreement with a lawyer. I signed a fee agreement for {$2000.00} and gave them my debit card number and the agreement was to call them every Friday and authorize a {$200.00} payment. I did that every week until the entire fee was paid. A XXXX after our relationship ended, the lawyers office debited another {$400.00} and then sent me a text stating that they did this. This was an unauthorized transaction and I immediately stated this to the secretary. I asked her to reverse the debit charge and in turn she sent me another fee agreement and told me she would reverse the charge if I signed the new fee agreement for another {$3000.00} of which I did not owe. I asked her for a detail of the charges that she was telling me I still owed the attorney and she never provided me with anything. I sent the attorneys office a letter and again asked that they provide me with an accounting of the fees and return my {$400.00}, They never responded. I contacted Eagle National Bank and told them I wanted to dispute the unauthorized charge and they told me I had to wait until the debit posted to my account. I waited until it posted and called the bank back and they put the dispute in. Eagle National Bank never contacted me for any type of investigation and then I received a letter from Eagle National Bank stating that the charge wa valid. I again went into the Eagle National Bank branch and explained to them that this was an unauthorized charge and I wanted to dispute this charge because as far as I wwas concerned, the secretary at the attorneys office took my {$400.00} and would n't provide me with any accounting and this was an unauthorized charge and the bank told me we are sorry but there is nothing we can do for you. I explained that I am your customer and you are supposed to protect me and my money and you allowed this business to take my {$400.00} AND THEN WHEN I ASKED TO DISPUTE IT, YOU TELL ME THERE NOTHING YOU CAN DO FOR ME. 
",,Consent provided,Web,2015-06-22,Closed with explanation,Yes,No,CR1428061,5826
2015-06-18,Bank account or service,Checking account,"Account opening, closing, or management",,"On XXXX XXXX, XXXX, I went to the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY, to open a checking account. Because I have had a savings account at this same branch since XXXX XXXX, and a positive banking relationship, I was astonished and embarrassed to be denied XXXX a personal checking account for myself and a corporate checking account for my law firm, a P.C. incorporated in NY in XXXX XXXX. The reason for these denials was that the XXXX indicated that my P.C. and I XXXX combined XXXX owed Eagle National Bank a total of {$200.00} in overdrafts. I dispute this. I was given neither notice of these alleged overdrafts nor an opportunity to prove that these alleged charges were illegal and invalid. 
Four or five years ago, XXXX, I opened both personal and corporate checking accounts with Eagle National Bank , NA. My XXXX partner noted that I was spending an inordinate amount of time in the XXXX XXXX XXXX Branch of Eagle National Bank, contesting unwarranted and unjustified overdrafts. Finally a friendly Eagle National Bank officer told me quietly that it was bank policy to maximize the number of overdraft fees on each account, by manipulating the receipt of debits and credits. In XXXX XXXX a XXXX federal judge approved a {$62.00} million class action settlement arising out of Eagle National Bank 's illegal overdraft policies. ( In re : Checking Account Overdraft Litigation XXXX. Because Eagle National Bank has continued to practice its illegal overdraft policies despite the XXXX settlement, a new Eagle National Bank overdraft fee class action was filed on XXXX XXXX, XXXX, in federal court XXXX XXXX XXXX et al. v. Eagle National Bank NA, case number XXXX, XXXX XXXX XXXX for the XXXX XXXX of XXXX XXXX XXXX This litigation is still pending, and I am still waiting for a refund check for the overdraft fees improperly charged to my XXXX accounts. 
Meanwhile it would be prudent for XXXX and XXXX to cease and desistfrom implementing Eagle National Bank policies to force customers to pay illegal overdraft fees, or to forego checking accounts at other more reputable banks. 
",Older American,Consent provided,Web,2015-06-18,Closed with monetary relief,Yes,No,CR1428350,3961
2015-06-18,Bank account or service,Checking account,Deposits and withdrawals,,"Through this complaint, I request that CFPB staff review the action taken by Eagle National Bank in denying my Reg E-covered unauthorized withdrawal claim. I opened an XXXX account for my minor daughter so that she would have access to limited funds on a debit card. The card and the account were used sparingly. When my daughter attempted to make a teller cash withdrawal on XXXX XXXX, 2015, she and I were advised by bank staff that our account was overdrawn in the amount of {$1800.00}. We subsequently learned that my daughter was unaware that she had lost the debit card and that XXXX counterfeit checks were deposited to the account. Whomever perpetrated this fraud capitalized on the fact that immediate credit was provided by EN at the time of deposit. ATM withdrawals were then executed against the account over a 12 day span. Once we were aware that the card had been lost and the account compromised, we filed an unauthorized electronic transaction claim with EN. At the request of bank investigator 's, a police report was filed with the XXXX XXXX Police Department. 

In explicably, Eagle National Bank has denied our claim, citing as the basis for its decision, the fact that no additional transactions were attempted after the checks deposited were returned as counterfeits and because the transactions were consistent with our normal usage pattern. XXXX 's actions in this matter are a flagrant violation of Reg E and raise a question as to whether it 's policies in this area are in conformance with the requirements of the regulation. How many other consumers have been unfairly treated as my daughter and I have been? 

I want to emphasize that the unauthorized transactions were all conducted in XXXX, NJ. My daughter and I reside in XXXX, XXXX, New York. Neither of us has ever recorded a bank transaction in XXXX, nor did we transact in the amounts and frequency noted for the fraudulent transactions. Moreover, there is no significance of the fact that unauthorized activity on the account ceased after there were no longer available funds. 

Reg E requires that a financial institution have evidence that a covered transaction or transactions which form the basis of a consumer claim were not unauthorized if it is to deny the call for reimbursement. Eagle National Bank has no such evidence and the inaccurate and absurd reasons it offers to unlawfully deny my claim is behavior that warrants an examination by the CFPB. 
",,Consent provided,Web,2015-06-18,Closed with explanation,Yes,No,CR1427738,2057
2015-06-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-23,Closed with explanation,Yes,No,CR1427890,2756
2015-06-18,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-06-18,Closed with explanation,Yes,No,CR1428243,2910
2015-06-18,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-06-23,Closed with monetary relief,Yes,No,CR1426759,1157
2015-06-17,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank solicited me via their website for opening of a checking account. The solicitation included an offer of {$300.00} for the opening of a new checking when there are XXXX direct deposits of {$2000.00} apiece. Their terms included a mention that deposits should come from an employer or an outside agency. I had XXXX deposits of greater than {$2000.00} within the XXXX month of opening the account, and yet, no reward deposit. I waited for processing times, and then began to look into the issue, at which point I was informed by customer service, including a supervisor, that my deposits were not 'qualifying ' and that I would therefore not be receiving the new account promotion. I informed them that I had a copy of the original terms, and they were unwilling to resolve the issue by crediting my account with this promotion. I was told that the promotion was entered on XXXX ( which is a week after the account was opened ). XXXX of the qualifying deposits was received on XXXX, and I think the holdup on the processing is due to the delay on Eagle National Bank 's part in properly coding my account. I received conflicting information from a supervisor, who attempted to then tell me that the promotion was processing, but failed to provide me with concrete resoution to the conflicting information and did not provide a timeline for when I could expect to see the credit. I feel this is textbook 'bait n switch ' advertising, and that their institution hoped I would go away or did not have my ducks in a row. I have attached a copy of the original promotion as well as activity statement showing the deposits. 
",,Consent provided,Web,2015-06-19,Closed with explanation,Yes,No,CR1426469,12325
2015-06-17,Bank account or service,Checking account,Using a debit or ATM card,,"I purchased round trip XXXX tickets from XXXX to XXXX for me and XXXX other family members. Our bus was supposed to leave on Friday night, but somehow the wrong time was selected on our tickets resulting in us missing the bus. 
We called XXXX and they refused to change the time so we could not get on the bus with the same ticket. Due to the urgency to get to XXXX, we purchased new XXXX way tickets as instructed by the XXXX agent. The agent with XXXX also assured us that we could still come back on the original round trip ticket although we missed the first part of the trip to get to XXXX. 
We stayed in XXXX over the weekend and attempted to leave out on Sunday to get back home. When we arrived at XXXX at the scheduled time, they refused to let us use the remaining portion of the round trip ticket to get back home. The agent we spoke with on Friday when this entire issue started misled us to believe they will honor our tickets to get back home. As it turns out, we were again forced to purchase XXXX way tickets to get back home. So the round trip tickets we purchased were not honored by XXXX even though their agent made us believe they would be honored. The agent blatantly lied to us. 
XXXX has forces us to spend money we did not have. Their agents lied to us and took our money XXXX. They have received XXXX the amount from us and it is not fair. I feel like this company is a sham and they tricked us into using their services. If we would have known that we could not get back home on the round trip tickets, we would have made other arrangements such as rented a car or used air travel. 
They billed my Eagle National Bank debit card for a service they did not provide. This in itself should be illegal. We would have been better off flying to XXXX after all the money we have forked out to this unethical company. Their business practices need to be investigated and I do plan to get take this complaint further. 
I called my bank to dispute the charge and they refused to help me. The agent told me that XXXX would have to refund the charge. Now I know, Eagle National Bank has a policy that allows me to dispute a charge if I did not receive the promised service. Apparently, Eagle National Bank is as shady as XXXX. For the Eagle National Bank agent to refer me back to XXXX after I explained that we attempted to work with them tells me that Eagle National Bank does not value me as a customer. 
Eagle National Bank has indirectly allowed XXXX to defraud me. I can only image how many other consumers are dealing with this same issue. Eagle National Bank needs to do the right thing and allow me to dispute this charge. In fact, a full, permanent credit is warranted since the Eagle National Bank agent obvious does not know that regulations protects consumers from this type of foolishness. At this point, I am strongly reconsidering my business relationship with Eagle National Bank. As large as this bank is in today 's economy, I can not image them not being able to protect consumers from this type of fraud, especially when people rely on their debit and credit cards for such purchases. 
I need to be reimbursed for this charge immediately. Also, I will be contacting the Attorney General in TN regarding this issue. Our regulators need to know that XXXX and Eagle National Bank are robbing consumers out of their hard earned money. The Federal Motors Carrier Safety Administration will also be notified. XXXX must be stopped. Their shady practices are not welcomed by the middle class. 
",,Consent provided,Web,2015-06-17,Closed with explanation,Yes,No,CR1424928,8433
2015-06-17,Credit card,,Billing disputes,,". 
My daughter needed financial support in getting repairs completed on her car which had been wrecked. I called the auto repair shop and talked to the owner. He told me that all work to this point has been concentrated on restoring the body work and no work has been done "" under the hood ''. I asked what it would take to get the car in working order. He gave me an off the cuff verbal estimate of {$600.00} to {$800.00} for his shop work plus {$200.00} for painting. I found this acceptable and asked for a written estimate. I never received a written estimate. On XXXX XXXX he called and told me the car was finished and available for pickup. He told me the charge would be {$1300.00} and required me to give him my credit card information over the phone ( I live in another state ). I asked him for an invoice. I received an invoice the next day by email. On XXXX XXXX my daughter picked up the car. On XXXX XXXX, I see a charge of {$1300.00} on my credit card statement in addition to the {$1300.00} charge I approved. I had no idea where it came from. I had received no estimates or invoices to that effect. I emailed the owner a demand that the charge be removed from my account. After a few days it had not been removed and I filed a formal dispute over the phone with Eagle National Bank. On XXXX XXXX, 2015, I received an adjustment of - {$1300.00} on my XXXX statement. I was relieved thinking the issue had been resolved. On XXXX, I noticed a debit of {$1300.00} by the auto repair shop on my credit card statement. 
I called BA and asked about it ; I was told my dispute had been overturned. I was told the auto repair shop had submitted documents to support its claim. I asked for and received a copy of that documentation. I was never presented with opportunity to submit any documentation to challenge the shop additional charge prior to it being overturned. After it was overturned I was offered the opportunity to submit documentation. I sent XXXX pages substantiating my position. It was too late. Eagle National Bank was in no position to change its mind. 
The repair shop had my card information and the machine to make the charges against my account. The shop owner said the additional charge was for a catalytic converter replacement. The catalytic converter was no where near the area damaged in the wreck. Months later I was not able to get an explanation on why it was replaced. Maybe it was n't replaced, maybe it was needlessly replaced or maybe it was stolen while the car was in an unsecure area and had to be replaced. 

I depended on Eagle National Bank to protect me from fraudulent charges and for XXXX years they did so ; not this time. 
",,Consent provided,Web,2015-06-17,Closed with explanation,Yes,No,CR1426079,1213
2015-06-17,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited my paycheck yesterday. Same business, local, check I deposit every two weeks for the last 3 years. The bank froze {$570.00} of my check saying "" pending review '' without notifying me. I found out when I went to check my balance later in the day. It was over drawn because of bills I had paid since the money should be there. I called Eagle National Banks XXXX # and was told at XXXX the money would be released in a XXXX of hours that it was a random thing. I called again hours later and was told it would not be released until tomorrow and they could do nothing to help me. They suggested I call the branch, I did and she was going to look into it. However it is now XXXX and the bank is closed. They have no right nor reason to freeze money on my account on a local business check they they can see every two weeks clears with no problems. This caused me great distress. today as I could not get gas and pick up my son. If they are taking a hostile action they should have called and told me. If they charge me an overdraft fee that will need to be refunded. 
",,Consent provided,Web,2015-06-17,Closed with monetary relief,Yes,Yes,CR1426086,1631
2015-06-17,Credit card,,Identity theft / Fraud / Embezzlement,,"On mother 's day someone charged XXXX {$40.00} gift cards to my Target credit card account. My card has a {$200.00} limit and it was paid off. I called target right away and they said my account would be disabled including my online account. It is now XXXX XXXX. I am calling them again for the XXXX time and they keep asking me what the issue is. THey said they would send some paperwork so I could sign it that allows them to investigate these charges. They took a payment for my credit card out of my checking account on XXXX to pay for some of the balance even though I had a XXXX balance and the {$200.00} is still on my card. Every time I call I get the run-around. No one seems to want to help me. Since this hack XXXX my debit card with my bank have been hacked as well. I no longer know what to do. I ca n't log into my online account to stop the payments on the card because it is disabled. But they must not have disabled the billing. Please help. To further complicate things my name changed from XXXX XXXX to XXXX XXXX because I got married in XXXX XXXX. 
",,Consent provided,Web,2015-06-17,Closed with explanation,Yes,No,CR1426641,430
2015-06-17,Credit card,,Other,,,,Consent not provided,Web,2015-06-22,Closed with monetary relief,Yes,No,CR1424942,1272
2015-06-17,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-06-29,Closed with explanation,Yes,No,CR1426324,3013
2015-06-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-06-17,Closed with explanation,Yes,No,CR1426325,1388
2015-06-17,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-17,Closed with explanation,Yes,No,CR1425966,2726
2015-06-17,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-06-24,Closed with explanation,Yes,No,CR1426128,1197
2015-06-16,Bank account or service,Checking account,"Account opening, closing, or management",,"On my XXXX report and it 's a lot if inquires showing that I attempted to open up a numerous amount of checking accounts I 'm very upset because that 's false in, sure it happened when my wallet was stolen and I had a fraud alert put on y actual credit report so how could this had happened 
",,Consent provided,Web,2015-06-16,Closed with explanation,Yes,No,CR1424269,4674
2015-06-16,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX, 2015, Our company, XXXX XXXX XXXX, XXXX took XXXX deposits, XXXX in the amount of {$2900.00} and XXXX for {$9700.00}, to our bank Merrill Lynch for which we received dated and initialed receipts. When we got our bank statement, these XXXX deposits were not credited to our account. We talked to the tellers, and account representatives about these missing deposits. We were notified that the person who is supposed to scan the checks thought it was done and shredded all the checks on these deposits, therefore, the money is missing. The bank did agree to call all of our customers and let them know what happened, to try and recollect this money. We have had really upset customers calling us telling us that they do n't trust our bank enough to want to send a XXXX check. We have collected a majority of the money, but are still out {$2000.00} of this money. I always thought that if we have a valid receipt for the deposit, it should be put in our account. The bank told us that they will not put the money in our account, even though they know they are the ones who lost the money. 
",,Consent provided,Web,2015-06-18,Closed with monetary relief,Yes,No,CR1423218,2175
2015-06-16,Bank account or service,Checking account,Deposits and withdrawals,,"XX/XX/XXXXTo Whom It May Concern, This letter is written with intentions to appeal the closing of my account with your banking institution. I have been accused of fraudulent activity and would like to plead my case. XX/XX/XXXX, I was referred to a mystery shopping job by a friend who was actively doing it. She told me that the company would send a list of different stores they would want me to check out and send a check for me to cash to have funds to shop to assist in being "" mysterious ''. My friend had been working as a mystery shopper as a side job alongside her daily full-time job. She was even cashing her checks at the local XXXX in which she never got into any trouble for doing so neither was red flagged about it. So I truly believed that the mystery shopper job was legit, especially if XXXX cashed their checks. 
As a result, I filled out the required information to get me started and within five business days my starter package had arrived. To begin working immediately, I decided to cash the check at Eagle National Bank, whom I had an active account with. Upon entering the bank, I asked the teller was it too late to make a same-day deposit, and she informed that it was too late to make a counter deposit but that my deposit would show immediately if it was made by XXXX at the ATM. So upon gaining knowledge of that, I proceeded outside to make the deposit at the ATM. The deposit was made and I thought everything was fine. 
The next day, my fianc called me on his lunch break and asked me to call the bank because it was a major problem with our account. Completely confused, I contacted the bank and was informed that the check I deposited into my personal account was a fraudulent check. An explanation was not welcomed ; therefore, I do appreciate you allowing me to appeal this issue. 
Honestly, do you think someone would deposit a fake check into their own personal account where all of their means of income goes direct deposit? That is insane!!! I would not -- -and, I did not! If I was trying to get over on my bank, I would have tried to cash it instead of depositing it and waiting for it to clear. I do hope you can sense my sincerity. 
This truly was an honest mistake that has extremely burdened my financial situation. This punishment is intense and severe. I did n't take anything from Eagle National Bank and will not try to take anything from any other banking institution. A wrongful deposit was made, but it was also an innocent act. I was caught in a scam and am being held accountable for my ignorance of such. I am asking for complete leniency in my case. I am recent college graduate with XXXX, XXXX sons and will definitely need a bank account to have access to my funds and to make needed transactions as any other mother. Seven years is just too long time to be penalized for an honest mistake. Please reconsider. 

Thank you for your valued time and consideration, XXXX XXXX 
",,Consent provided,Web,2015-06-18,Closed with explanation,Yes,No,CR1423227,2881
2015-06-16,Credit card,,Other fee,,"After making a payment for the exact amount owed on a credit card, and within XXXX days of the billing cycle, Eagle National Bank added a {$1.00} charge labeled as both "" interest '' and a "" fee. '' This is misleading since this is a fee-free account. 
",,Consent provided,Web,2015-06-16,Closed with explanation,Yes,No,CR1423460,2874
2015-06-16,Credit card,,Other,,"On XXXX XXXX @ XXXX, I made a {$460.00} cash payment at a local Eagle National Bank drive-thru. Approximately 2 weeks later I got an overdue statement in the mail. I went into the bank, with receipt in tow. I was assured they 'd take care of it. After no results, I went into another location on XXXX XXXX, and was told that if I were to return to the original location, they should be able to correct the mistake on the same day. So, I did. I arrived @ XXXX and spoke to the Assistant Manager, XXXX XXXX XXXX who remembered I had been there and she said that she could not do anything. She had a personal banker call into customer service with all information, letting them know that she confirmed that it was due to a teller error and no fault to me. She told me that it would be cleared and all fees and negative reporting would be removed. Furthermore, XXXX, claimed that she would follow this herself to ensure that it is restored. Today is XXXX XXXX. I have been unable to use my card since before XXXX XXXX, and now, I have received a letter stating that proof of my claim is required. I am now left wondering if my payment was in fact stolen, as I am being treated with contempt. I have had this card with a very large credit limit, in good standing since 1997. I am afraid to make further payments and hope that someone will help me to straighten this matter up. 
",,Consent provided,Web,2015-06-16,Closed with monetary relief,Yes,No,CR1423153,3901
2015-06-16,Credit card,,Other,,"I have a Credit card still being reported to my CBR, according to Ohio law this should be removed from my CBR after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2002, I am requesting this be removed from my credit report. 
",,Consent provided,Web,2015-06-16,Closed with non-monetary relief,Yes,No,CR1423830,2845
2015-06-16,Credit card,,Other,,"I have a Credit card still being reported to my XXXX, according to Ohio law this should be removed from my XXXX after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2004, I am requesting this be removed from my credit report. 
",,Consent provided,Web,2015-06-16,Closed with non-monetary relief,Yes,No,CR1423831,1137
2015-06-16,Credit card,,Closing/Cancelling account,,"The cardholder XXXX XXXX passed away on XXXX/XXXX/2015, numerous calls to Target Card Services and mailing and faxing the death certificate to XXXX Texas is not helping, they keep sending a bill to our house, make toll free calls etc. This morning I asked to speak with a supervisor, XXXX who simply transfered me to another agent. The agent acknowledged they have received the death certificate. There is no estate and other companies have written off the debts, this company keeps calling us and sending bills even though we have done what they asked of us, to submit a death certificate. 
",,Consent provided,Web,2015-06-16,Closed with explanation,Yes,Yes,CR1423531,2616
2015-06-16,Credit card,,Other fee,,,,Consent not provided,Web,2015-06-16,Closed with non-monetary relief,Yes,No,CR1423323,2462
2015-06-15,Bank account or service,Checking account,"Account opening, closing, or management",,"I am a XXXX in XXXX who has been banking with Eagle National Bank since 2008 and found out today that they have been applying various 'maintenance ' fees on my account ( I think totalling more than {$200.00} ) that I was not alerted to. I believe they did not meet the minimum disclosure requirements of consumer protection regulation, and the maintenance fees is just another version of the overdraft fees that were clamped down on by the Dodd-Frank Act. They have repeatedly changed their fee structure across the years, and it is hard to keep track of how to avoid paying all these fees, especially if they are not your primary bank. I will be closing my accounts as soon as I can get my dispute with them settled ( I have opened a ticket ). However, I would like to know just how I can alert other consumers as to the unfair practices of Eagle National Bank ( especially college students in small XXXX colleges who sign up for their free checking accounts without knowing of the future fees they will have to navigate ) as well as keeping track of Eagle National Bank 's compliance with consumer protection regulation and other banking regulation such as SEC filings. 
",,Consent provided,Web,2015-06-17,Closed with monetary relief,Yes,No,CR1421541,290
2015-06-15,Bank account or service,Checking account,Using a debit or ATM card,,"I recently had my small business ATM card duplicated unbeknownst to me and someone went out and made a bunch of fraudulent charges on the is card. When I discovered these charges I reported it to the bank ( Eagle National Bank ) and the XXXX XXXX County Sheriffs office. Eagle National Bank originally credited me for theses fraudulent charges and sent me some paperwork which filled out which included the contact information and case number provided to me by the XXXX XXXX County Sheriffs office regarding these fraudulent charges. Now Eagle National Bank has reversed the credit given to me for the fraudulent charges. 
",,Consent provided,Web,2015-07-11,Closed with monetary relief,Yes,No,CR1421853,4705
2015-06-15,Bank account or service,Checking account,Deposits and withdrawals,,"I went into the XXXX XXXX branch of Eagle National Bank in XXXX, WA to make a deposit and to pay XXXX bills and the assistant manager wasacting as a teller and she was racist to me. She engaged in XXXX, XXXX bigotry, reverse discrimination, and age discrimination. 
She lied to me and was very rude and was arrogant to me as was hermanager XXXX. I have XXXX at the college and XXXX for39 years and their treatment of me was something you might expect from acouple of street punks. I want Eagle National Bank to be fined and apologize for thetheir treatment of me and learn how to conduct business in a proper manner. 
Both XXXX and XXXX should be terminated over this which is not theXXXX time I have been lied to by these young kids who have certainly let theirXXXX management job go to their heads. I was trying to teach XXXX how Iwanted my transactions handled and she walked off and ignored mebecause she arrogantly thought that she knew better. It is no surprise thatEagle National Bank has an F in customer service. Both of these young peoplewould have failed my Successful Leadership or Servant Leadership class. Itis time for a leadership change at this branch. XXXX have wisdomwhich many young people would do well to listen and learn from ourexperience. After 55 years in XXXX I believe I know a little bit about howbusiness should be conducted. 
",,Consent provided,Web,2015-06-15,Closed with explanation,Yes,Yes,CR1422139,2728
2015-06-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,"Someone presented my Idenity at Eagle National Bank and withdrew my money. 
-Total {$10000.00}. {$5000.00} from checking on XXXX occasion, and {$5000.00} from savings on another occasion. 
XXXX separate Branch banks. XXXX in XXXX, NJ, and XXXX, XXXX XXXX, NJ. 
XXXX separate occasions. XXXX, checking on XXXX/XXXX/15, and XXXX, savings XXXX/XXXX/15. 
-I was told that the signatures did not match. 
-I do not live in the above state. 
-These withdraws are completely inconsistent with my financial record and habits. 
It is clear to me from the above information that Bank did not do its job to protect me or my money. There are many red flags. On XXXX separate occasions, a person withdrew large amounts of money w/o a signature match in a state that I do not live. This is neglligence. 
",,Consent provided,Web,2015-06-15,Closed with explanation,Yes,No,CR1421421,2013
2015-06-15,Credit card,,APR or interest rate,,"For the past several months, Eagle National Bank Credit Card Services has been miscalculating finance charges and misapplying payments between XXXX different categories of regular purchases, cash advances and balance transfers. The allocations are not in accordance with federal guidelines. I contacted Eagle National Bank on multiple occasions and each time received a different explanation as to how they achieved these magical calculations. I had the issue escalated to a special team of managers who finally admitted there was an error with how their system is calculating finance charges but they also explained that I was the only consumer that had brought this to their attention. They asked for one weeks time to look into the issue as they were going to have to escalate the problem even further internally. My ultimate concern is that this issue is on a grand scale and that XXXX of other consumers are being affected. I plan to initiate a class action investigation into the issue but wanted to file any formal complaints necessary immediately. I am not implying nor do I have any evidence suggesting that Eagle National Bank has acted maliciously, however it is deeply concerning that it was so difficult to get anyone within customer service to recognize or admit there was in fact an issue. I had to literally teach them why their multiple explanations were incorrect and I do n't believe the average consumer would be as persistent. The representatives all seemed confident in their inconsistent explanations regarding the calculations so this could certainly be a training issue on top of the finance charge calculation error. When the latest manager realized I was correct in MY calculations, she seemed shocked herself. 
",,Consent provided,Web,2015-06-18,Closed with explanation,Yes,No,CR1422065,4261
2015-06-15,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2015-06-15,Closed with explanation,Yes,Yes,CR1422183,4406
2015-06-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-15,Closed with explanation,Yes,No,CR1421904,3850
2015-06-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-15,Closed with explanation,Yes,Yes,CR1420994,2439
2015-06-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-25,Closed with explanation,Yes,Yes,CR1421827,723
2015-06-14,Credit card,,Closing/Cancelling account,,"About two and a half years ago I cancelled a Visa card that I got through XXXX, the online marketer of out door clothing and equipment. I notified the Bank ofAmerica that I was closing my account. I received my balance and payed offthe balance. The account was closed. The next day they received an invoicefrom XXXX, my insurance carrier for sixty years. It was for my monthly insurance payment. They opened my account and payed XXXX something over {$100.00}. WhenI received a monthly bill from Visa/B OF A for the amount XXXX had requested. 
There were several phone conversations between the XXXX parties. I finally paidthe XXXX claim to Visa. By the time all was done, it had passed the Visa paymentperiod and they charged me {$35.00} for a late fee. I refused to pay because myaccount was closed and opened again to accommodate XXXX, so said B of A. 
Even though the account was closed, they kept charging me {$35.00} per month inlate fees for not paying their original late fee. At about the {$200.00} level I talked toa supervisor who told me the bank would continue to charge me monthly, until I reached the level where they would charge off my account and sell my account to a credit chaser. She said they did this to charge off the very high profits they made in the commercial part of the bank. As stated, at $ XXXX sold my account. I received a call from a very nice lady trying to work out a payment schedule. She said her company had purchased my account. I told herthat there were no products or service, that it was all fraud by B of A to reducetheir income tax bill. I could hear her writing in the background, she was mad as hell. Apparently, B of A had taken the account back because they have sentdefault/ no pay notices to all three credit agencies for 30 months. My credit number has gone from XXXX to about XXXX now. It has been as low as XXXX! 

ALL OF THIS PAIN FOR ME WAS FOR B OF A TO COMMIT A FRAUD AGAINST THE IRS. THE SUPERVISOR TOLD ME THIS WAS A COMMON PRACTICE. I AM XXXXYEARS OLD AND HAVE NEVER HAD A CREDIT PROBLEM IN MY LIFE. 

XXXX XXXX XXXX, The credit agency provided me no documentation of their investigation. 
If you get a routine credit report, all the bad marks will show. The last time Isaw it was about six months ago. I was paying XXXX to monthly send me myrating number and delinquent account report. 
",Older American,Consent provided,Web,2015-07-20,Closed with explanation,Yes,No,CR1420414,5461
2015-06-14,Credit card,,Customer service / Customer relations,,My credit card was closed by Eagle National Bank due to a security breach and a new card was issued. The new card was then subject to fraud within XXXX day of using it. There is a credit balance on the original card and the Bank has been unable to refund that balance or transfer to my new card for over a month. I have made XXXX calls lasting over XXXX hours in total and each time have been told the balance would transfer in XXXX days. It has not happened.,,Consent provided,Web,2015-06-14,Closed with explanation,Yes,No,CR1420454,5574
2015-06-14,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-06-18,Closed with explanation,Yes,Yes,CR1420391,1645
2015-06-13,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank returned XXXX electronic payments I had made to pay XXXX bills, even though there were more than sufficient funds in the account to cover the withdrawals. They then charged me {$35.00} each for the XXXX returned items. 

I just received the notice from Eagle National Bank of the supposed overdrafts. XXXX payment was for {$200.00}, and the other for {$150.00}, or a total of {$350.00}. On the notice, it clearly states "" Your account balance was {$6000.00} after we processed these transactions ''. Clearly they were aware I had over XXXX XXXX dollars in the account, but yet they returned XXXX items for {$350.00}. 

In addition to the {$70.00} in fees EN is charging me, XXXX of the payments was to the IRS. Since the {$200.00} IRS payment was returned, the IRS has billed me a {$200.00} fine for the late payment. 
",Older American,Consent provided,Web,2015-06-13,Closed with monetary relief,Yes,Yes,CR1420243,3116
2015-06-13,Bank account or service,Checking account,Using a debit or ATM card,,"For the past XXXX months, XXXX, XXXX and XXXX of XX/XX/XXXX Eagle National Bank 's fraud department has continuously flagged my account and prevented me from making purchases at any automated fuel pumps. On each occasion I 've had to call and verify that I am in fact the person making the transaction. I 've also called to have my account unrestricted but, the problem still was not resolved. After speaking with a supervisor on my XXXX consecutive call I was told that it was because they had a wrong address in the system. However the problem still persist today. I 've had this account since XX/XX/XXXX and have been a loyal customer for years I find it extremely disappointing not to mention concerning that I can not count on my financial institution. 
",Servicemember,Consent provided,Web,2015-06-13,Closed with explanation,Yes,No,CR1420199,10095
2015-06-13,Credit card,,Customer service / Customer relations,,"In XX/XX/XXXX our second mortgage line of credit from XXXX Bank was cut off due to none payment of a credit card bill to Eagle National Bank. I had no charges, statements, or activity on that account that I was aware of. I have always had an excellent credit score and I did not realize this thing would be with me for seven years, so I just simply paid it without a dispute. I now know, dispute these things! I contacted Eagle National Bank regarding the {$63.00} they said I owed them. I told them that I had no bank statement saying that I owed them, they had not called me on this matter, ever. In response to this, they told me I went paperless in XX/XX/XXXX. This is not true, I have paper statements dated after XX/XX/XXXX from them. Also, they have no email address from me, how can one go paperless without my email address? They actually tried to trick me into giving it to them, not once, but twice. They said the only way to clear this, was to pay it, so I did. I now know that I could have disputed the charge and it would not have effected my credit rating. First I was never given a bill, then I was lied too, and worse of all my credit rating was effected. 
",,Consent provided,Web,2015-06-13,Closed with non-monetary relief,Yes,No,CR1420172,2308
2015-06-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank ( XXXX ) will not close the claim from 2012, they have also duplicated the claim which is causing me not to be able to get home owners insurance anywhere else at an affordable price. I have spoke to numerous of agents with XXXX and told that it has been taken care of and when I try to get insurance from another carrier the claim information from 2012 is still showing. 
",,Consent provided,Web,2015-06-12,Closed with explanation,Yes,No,CR1419606,2124
2015-06-12,Bank account or service,Checking account,Problems caused by my funds being low,,"Dear Director XXXX 

I want contacting with Director XXXX about Eagle National Bank's XXXX that I posted ""I informed U.S. Senators and Speaker XXXX that I filed complaints with Federal Deposit Insurance Corporation finished"" that XXXX knows better reporting to U.S. Senators and Speaker XXXX included all my filed documents must forward to U.S. Senators and Speaker XXXX immediate procession from Federal Deposit Insurance Corporation requests to help me out with moving other bank from Eagle National Bank to XXXX or XXXX, stopping Eagle National Bank uses overdraft fees.   Eagle National Bank hated my appearances and XXXX which Eagle National Bank made made their opposed to XXXX"" issues  they do not interest in me with Eagle National Bank account.   I seek for authorization official helps me moving from Eagle National Bank to other bank called XXXX or XXXX immediate of between XX/XX/2015 to XX/XX/2015, please let me know.  Please Official picks up me bringing to other new bank urgent with serious matters at formal filed requirement.  

Let U.S. Senators and Speaker XXXX knows requirement charges coping to Male Attorney in serious charging requests.",,Consent provided,Web,2015-06-15,Closed with explanation,Yes,Yes,CR1419903,4033
2015-06-12,Bank account or service,Checking account,Problems caused by my funds being low,,"I HAVE BEEN AT Eagle National BankN FOR OVER XXXX YEARS. MY ACCOUNT THERE HAS BEEN CHARGED FROM XXXX A MONTH TO XXXX IN FEE 'S. THE TRICK IS, I HAVE MONEY, I PAY A BILL, THE BILL IS PAID, AND MAYBE A WEEK LATER MY ACOUNT GOES OVERDRAWN XXXX, B OF A WILL TAKE BACK THE MONEY FROM WEEKS AGO, THE BILL I PAID NOW IS RETURNED, I AM CHARGED, MY ACCOIUNT COMES DELINQUENT, FEE 'S ATTACHED, SERVICES SHUT OFF, AND B OF A DOES THIS SO THAT XXXX OVERDRAWN AMOUNT THEY NOW CAN CHARGE ME XXXX XXXX, TOTAL XXXX THEY PAY THEMSELVES. XXXX UP MY ACCOUNT FURTHER, MORE FEE 'S AND I AM SO MUCH WORSE BECAUSE OF IT. 
I HAVE PAID OVER XXXX LAST YEAR ALONE IN SUCH FEE 'S. THEY BLAME ME, BUT 95 % IS THEM. 
",,Consent provided,Web,2015-06-12,Closed with monetary relief,Yes,No,CR1419624,37
2015-06-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My father passed away and his money market and checking account were set up as POD, payable upon death, to me and my brother and sister. Before we even got back from his funeral, they froze his account and said they would not honor any checks written against the account, even if they were written before his death. We went to the Eagle National Bank to close out these accounts. They said it would take XXXX business days to get our money. We had just come from another commercial bank and it took us XXXX minutes to close the account and get our money. So, we got into a long discussion on why it took so long to get the account closed. I had talked on the phone with Eagle National Bank XXXX days before we went in. They said if we presented a Death Certificate and signed papers the branch bank would cut us checks. Never happened and after talking to several different people with several different answers, the time period for getting the checks esculated to XXXX weeks! We left the bank without any resolve to our situation. So each FDIC bank can make up their own rules on when someone can get their money. Either Eagle National Bank is breaking the law, or the Banking sector has no real hard and fast rules for protecting customer rights to their money. What good is a Payable on Death account if the Eagle National Bankn can make you jump through infinite hoops to try and get your money? 
",,Consent provided,Web,2015-06-12,Closed with monetary relief,Yes,No,CR1419352,912
2015-06-12,Bank account or service,Savings account,Deposits and withdrawals,,"This also concerns an earlier complaint that is still unresolved, # XXXX. Since then, another unauthorized transaction has occurred. On XXXX XXXX, 2015. XXXX XXXX - XXXX deposited XXXX check into my savings account. Check XXXX in the amount of {$540.00} and check XXXX in the amount of {$220.00}. Despite previous warnings and flags attached to my Eagle National Bank accounts that were in place to prevent this from happening, it happened again. XXXX XXXX XXXX had previously deposited checks into an account unknown to her. The XXXX XXXX Branch of B of A allowed XXXX XXXX to deposit these check into that account ( XXXX XXXX and when XXXX checks were returned to her she now had the complete account number of my savings account. Or maybe B of A just provided her with this information at that time. On XXXX XXXX, 2015 she used my name, not her own name when making this deposit ( as evidenced by the attached "" counter credit '' ). I would like to know who these checks were make out to and who 's signature is on the back of these checks? 
",Older American,Consent provided,Web,2015-06-15,Closed with explanation,Yes,Yes,CR1419877,2393
2015-06-12,Bank account or service,Checking account,Deposits and withdrawals,,"XXXX fraudulent withdrawals were made from my account in XX/XX/XXXX and XX/XX/XXXX. XXXX in the amount of {$160.00}. These withdrawals caused an overdraft in my account. The withdrawals were actually for what I thought was XXXX XXXX XXXX. I was attempting to have my Federal student loans consolidated. The company turned out to be nonexistent but I did n't realize this until XX/XX/XXXX. I reported it to my bank, Eagle National Bank and the gentleman that I spoke with researched the withdrawals and took my claim. He said the funds would be posted back into my account in a couple of days. Approximately two days later the funds and the overdraft fees were placed into my account.However, on XX/XX/XXXX {$320.00} was taken from my account. When I called to enquire as to why I was told the claim was rejected because it was not reported within 60 days of the transaction. I was not made aware of this when the claim was taken by the gentleman on the phone. Had I have known I would not have submitted the claim. Then on Wednesday XX/XX/XXXX I checked my account to see it was - {$540.00}. When I called this time I was told the overdraft fees were being taken back as well. Nothing was ever communicated to me about any of these actions. And why was the claim initially taken when the individual taking the claim was well aware of the 60 day law but never brought it to my attention. I also checked the account today XX/XX/XXXX and I see that additional fees have been added on as well. 
Please help! I believe that I was misled and ill informed during this entire process and I believe the Eagle National Bank is trying to take advantage of me as a consumer. I was already victimized once now I feel I 'm being victimized again! 
I 'm requesting that the account be closed and the fees dismissed. They 've already taken XXXX of my paychecks that were deposited into the account. Leaving me with no way of paying my bills or caring for myself and my daughter. 
",,Consent provided,Web,2015-06-12,Closed with monetary relief,Yes,No,CR1418515,1644
2015-06-12,Credit card,,Customer service / Customer relations,,"I am complaining of harassing calls which I am sending to XXXX and department of Civil rights that EN are calling my house even I had told them to stop calling. In addition, in the process of changing my number from EN who proceeds to execute deceptive practices especially against XXXX and XXXX with abusive practices with credit services. EN is not respecting my request to stop calling my house acting a nuisance.",,Consent provided,Web,2015-06-15,Closed with explanation,Yes,Yes,CR1419600,3548
2015-06-12,Credit card,,Credit determination,,"I filed complaint against Eagle National Bank refused to serve me a new credit card application because of overdraft history and bad credit records in their discrimination against American with Disabilities Act, so they do not interest in American with Disabilities Act 1990, Please relocate me to other bank institution what they denied my credit card application discrimination against XXXX XXXX XXXX from Eagle National Bank. They do not want me applying a credit card with reward points that they do not like my appearance and XXXX issues. I complain against Eagle National Bank that they insulted me in XXXX addresses that they denied my reward point with credit card application because of bad credit record and overdraft records. Report to US Senators and Speaker XXXX XXXX in charging serious requirement. 
",,Consent provided,Web,2015-06-15,Closed with explanation,Yes,Yes,CR1419904,4619
2015-06-12,Credit card,,Credit determination,,"I received a response letter from Eagle National Bank dated XX/XX/XXXX. The letter was addressed to XXXX XXXX XXXX XXXX, my name is XXXX XXXX XXXX. The letter explains due to a current or past delinquency my application for a credit card was denied. The letter also states that Eagle National Bank bases their credit decision on information we have available on existing accounts and the applicant 's credit bureau report. I retrieved a copy of my credit report from XXXX and attached the summary report confirming NO POTENTIAL NEGATIVE items were on my report and XXXX accounts were in good standing. Eagle National Bank references a discharged Chapter XXXX Bankruptcy from XX/XX/XXXX. I note ; XX/XX/XXXX is 16 YEARS AGO. Well past any reporting period. Record retention requirements state negative information will remain on credit file for 7-years. 16-years is well past 7-years. State record retention requirements also reflect 5-7 years after an account is closed. Once again, 16-years is well past this requirement. I think the actions conducted by Eagle National Bank are unfair and deceptive. They adopted independent policy practices outside of peer Bank guidelines. Additionally, they are adopting practices outside of normal periods considered in consumer credit laws and regulation standards. This is alarming and I am hopeful the CFPB will investigate this matter further. 
",,Consent provided,Web,2015-06-17,Closed with explanation,Yes,Yes,CR1419699,4264
2015-06-12,Bank account or service,Checking account,Deposits and withdrawals,,"Deposits were made to my checking account that did not have money to back the deposits up. I was not aware of this I withdrew the money. Now Eagle National Bank is holding me to repay them back. XX/XX/XXXX the my Social Security check was deposited to the checking account the next day the bank had taken the money .I would like this money back can I get it back? 
",Older American,Consent provided,Web,2015-06-12,Closed with explanation,Yes,No,CR1419005,3949
2015-06-12,Bank account or service,Savings account,Using a debit or ATM card,,"On XXXX XXXX, 2015 I reported to Eagle National Bank the theft of {$760.00} from my checking account ending in XXXX. Subsequent to my report to Eagle National Bank and police EN confirmed the theft by "" skimming '' my debit card and credited my checking account {$750.00} on XXXX XXXX, 2015. 
Today XXXX XXXX, 2015 while checking my accounts at Eagle National Bank, to my great dismay, I noted that on that same date of XXXX XXXX, 2015, the thieves also debited {$740.00} from my savings account ( account ending in "" XXXX '' ). I was unaware that this could have happened without a withdrawal slip but it did. I immediately called Eagle National Bank for help and XXXX filled out another dispute form. Despite the fact that all the illegal withdrawals were from the same area ( a place I have never been ) it went unnoticed by EN fraud unit as well as by myself. 
I still need to be credited in my savings account ( with lost interest ) for the {$740.00}. XXXX since XXXX XXXX, 2015. The facts surrounding the theft are the same, that is the same area and limits, so I should not have to wait as long for the credit I hope. I am asking CFPB to oversee this as I am afraid there will be a misunderstanding. I do n't want Eagle National Bank to think that they already credited me for the full amount. There are XXXX different accounts : the checking ( XXXX ) and a savings ( XXXX ) e. 
",,Consent provided,Web,2015-06-12,Closed with monetary relief,Yes,No,CR1419704,3274
2015-06-12,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,Consent not provided,Web,2015-06-12,Closed with monetary relief,Yes,No,CR1418522,3890
2015-06-12,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-06-12,Closed with explanation,Yes,No,CR1418351,12
2015-06-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-16,Closed with explanation,Yes,No,CR1418383,13923
2015-06-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-06-15,Closed with explanation,Yes,Yes,CR1419902,1206
2015-06-11,Bank account or service,Savings account,"Account opening, closing, or management",,"Eagle National Bank ( BAC ) sold accounts to XXXX XXXX. My accounts were part of the sale. I chose to go with a different bank. I called XXXX on XXXX/XXXX/15 and requested closure of XXXX checking accounts, XXXX money market accounts ( MMA ) and XXXX visa. Accounts were closed immediately for all but XXXX MMA. They said because it was over {$20000.00} it had to go to the Back Office for closure and would take about XXXX business days. On XXXX XXXX I received a letter ( it was dated XXXX XXXX ) from BAC saying I needed to sign and have notarized an authorization form to close the account ( BAC Reference # XXXX ). Same day ( XXXX XXXX ) I signed, had it notarized and deposited in the mailbox ( in an envelope provided by BAC ). The following Tuesday or Wednesday ( XXXX XXXX or XXXX ) I called to verify that the document was received and the account closure was in progress. They could not verify that it was received but said the account closure was not in progress. I offered to scan and send a copy of the form. They said they could n't close the account off of a copy. I was also told it may take a couple of days to process the request once received. I called back again on XXXX XXXX and talked to a manager, XXXX, who said he went into the system and requested immediate closure ( BAC Reference # XXXX ). He said he did n't need to notarized document to do this. I called back on XXXX XXXX and was informed by a XXXX XXXX that the ticket was closed but the account was still open. No action was taken to close my account. I asked to speak to a higher level manager so that I could get my account closed and receive my money. XXXX XXXX said he would have his manager contact me. I have never been contacted. It is now XXXX business days from the original request to close ( XXXX XXXX to XXXX XXXX ) and my XXXX larger account is still not closed. All other accounts are closed. I was never provided checks for this account and there is not a Eagle National Bank office where I live so I have no other way to get my funds and get my account closed except through this process. Had I known the issues I would be facing now I would have transferred most if not all of the funds to my checking account before requesting closure. It is my belief that Eagle National Bank is stalling on closing this larger account so that it is transferred to XXXX XXXX and the portfolio of deposit accounts/relationships sold to XXXX XXXX remains higher than what it would have been if accounts are closed as requested. I suspect others may be experiencing the same issue that I am. 
",,Consent provided,Web,2015-06-11,Closed with explanation,Yes,No,CR1417309,1147
2015-06-11,Bank account or service,Checking account,Using a debit or ATM card,,"Eagle National Bank did not contact me. 

I am attaching the relevant document. This is an addendum to the prior case filing, out of an error in the filing. Thank you. This is not a new filing.

$XXXX is insufficient, given what is attached. 

""In addition to seeking redress under the FDCPA, the CFPB said that it is using its authority to regulate unfair, deceptive, or abusive acts and practices (UDAAP) in the financial marketplace under the provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act.""  

Please see attached.",,Consent provided,Web,2015-06-15,Closed with explanation,Yes,Yes,CR1417634,3001
2015-06-11,Bank account or service,Checking account,Using a debit or ATM card,,"I 've just returned from the XXXX for my business. I was traveling in remote areas of the country where the vendors I was purchasing from, for the most part, only accept cash. I used my XXXX Eagle National Bank debit cards to access cash. As a Eagle National Bank customer from before it was called Eagle National Bank, I was charged {$440.00} in foreign transaction fees for accessing cash from my OWN BofA accounts. BTW, that same cash on deposit earns virtually no interest & they use my cash to make money via lending and other services. To charge me {$440.00} just to access my own cash which is on deposit with this institution essentially for FREE ... has me off the charts angry. This should be illegal & it is ethically & morally wrong. I can not believe I have been loyal to this institution for this long! In addition to these I also have been assessed {$130.00} in fees on my BofA VISA credit card. Essentially, it cost me {$580.00} to be a Eagle National Bank customer visiting XXXX XXXX for XXXX days. Of that {$580.00}, at least {$440.00}, or 77 % was a fee to access my own money. How can this even be legal???? I would appreciate any help you can give me in getting these fees 100 % refunded. To date, they have refunded {$230.00} without explanation as to how they arrived at this figure. It matters not - it should be 100 % refunded & should never have been charged. I would like to know what the tax dollars I pay are doing to protect me???? XXXX XXXX 
",,Consent provided,Web,2015-06-11,Closed with monetary relief,Yes,No,CR1416155,3564
2015-06-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I closed my home equity line a month ago. I went to the local branch in XXXX XXXX Florida and signed all the papers to close the loan and paid it off at that time. There was certainly no issue to cash my check. Eagle National Bank is now send letters to me and threatening to charge me {$1000.00} for flood insurance on a loan I no longer have. 
",Older American,Consent provided,Web,2015-06-16,Closed with explanation,Yes,Yes,CR1417380,1642
2015-06-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I had a Mortgage with XXXX in XX/XX/XXXX they sold the Loan to Eagle National Bank, shortly after I had been with Eagle National Bank, Eagle National Bank send me a letter stating I was 10 months behind, I explained how can that be when I have not had my Mortgage with them for that Long, they explained that I had been behind with XXXX XXXX, I send them proof of my payment of the Months they stated I did not pay, I had made the payments thru XXXX XXXX, Eagle National Bank send me another letter stating they wanted a letter from XXXX XXXX stating that they received the payments, XXXX XXXX send them the exact same thing I send them, Eagle National Bank wanted more from XXXX XXXX, and XXXX XXXX said they have send them all that they can send that is proof of payment received and payment send. I could not get Eagle National Bank to budge, I did not want to loose my Home so I applied for a Modification, Eagle National Bank denied the Modification and I was forced to file Bankruptcy this was in XXXX my Bankruptcy discharged in XX/XX/XXXX. I applied for a Job with XXXX XXXX XXXX and they pulled my credit, XXXX XXXX showed up on my credit report they are showing I am late on the Mortgage XXXX and XXXX, XXXX I called XXXX XXXX and I explained I do not have a Mortgage with them, they told me they Purchased the Loan from Eagle National Bank their Balance showing is {$140000.00}. I had a Balance with Eagle National Bank for {$110000.00} please help me, this is hurting my credit and hurting me from getting a job with any Bank. I can be reached @ XXXX I will be happy to provide my Bankruptcy papers if you need them. 
Thank YouSincerelyXXXX XXXX 
",,Consent provided,Web,2015-06-11,Closed with explanation,Yes,No,CR1416618,4063
2015-06-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have a health savings account ( HSA ) with Eagle National Bank. On XXXX, I placed a trade in my investment account associated with the HSA. Per Eagle National Bank disclosures on the website, the trade will happen the next day if it was placed before XXXX. Although my trade was placed before XXXX, it did not execute the next day. It executed only on XXXX. I wrote to the bank and they responded saying "" Trades get processed in XXXX business days ''. This is contrary to what their website disclosures say. I lost money because the stock price moved. 
",,Consent provided,Web,2015-06-11,Closed with explanation,Yes,No,CR1417681,3894
2015-06-11,Bank account or service,Checking account,Deposits and withdrawals,,"In XX/XX/XXXX my checking account at Eagle National Bank was closed due to XXXX checks that were cashed against my account by me in the same day. I cashed those checks for a friend that was in need of a favor. When i was notified the checks bounced in full surprise i paid back the bank the next day in full. I paid it back so fast the bank did not get a chance to even close the account yet. My friend did not realize that his mother 's account that he had permission to write checks off of winded up closing the night before. Please help me i am now XXXX and i am trying to start my life and i ca n't due to this minor setback as a XXXX just trying to help out a friend in a positive manner. I tried contacting Eagle National Bank XXXX times and received the same response each time "" there is nothing we can do other then tell you to file a dispute ''. I wrote a letter to them pleading my case and XXXX days later i got a response saying they were not going to remove the negative information from early warning services and with basically no reason why. Please help me I do n't know what else to do I have tried everything in my power, I need your help!! 
",,Consent provided,Web,2015-06-11,Closed with non-monetary relief,Yes,No,CR1416193,2349
2015-06-11,Bank account or service,Other bank product/service,Deposits and withdrawals,,"Went to branch to process cash advance deposit at XXXX XXXX XXXX branch in XXXX XXXX CA. XXXX told that would be OK. Then told by XXXX XXXX that I need to get a voice authorization from the credit card company. Staff at branch where in a hurry to go home. Then they told me that they could not process my deposit. I told them that I needed to make the deposit to avoid XXXX {$35.00} overdraft fees. They said sorry and ushered me out the door. 
",,Consent provided,Web,2015-06-11,Closed with monetary relief,Yes,No,CR1416185,246
2015-06-11,Credit card,,Transaction issue,,"My credit card has been replaced many times ; each time I am given a new credit card and debit card. As soon as I use my debit it gets compromised. I have had at least XXXX new cards in less 6 months -- see attached information being scanned to you. 
",Older American,Consent provided,Web,2015-06-16,Closed with explanation,Yes,No,CR1416849,4663
2015-06-11,Credit card,,Billing disputes,,"On XXXX/XXXX/2015 I notice XXXX separate charges of {$300.00} from XXXX XXXX assessed to my Eagle National Bank credit card. The next day I called XXXX in XXXX FL. to ask why these charges appeared on my statement, according to the representive these charges were an assessment for not attending a seminar regarding a time share during my stay at the resort. I followed up the conversation with telling the rep. at no time was I ever notified about a seminar and I do not have a contract with the resort. Per my request, I ask to see something in writing or verbally were I was made aware. According to the rep. they have a coversation on tape proving my knowledge of a seminar, when the tape was played at no time was there a mention of a seminar. XXXX has yet to provide any more information justifing the charges. I then proceed to contact Eagle National Bank on XXXX/XXXX/2015 to dipute these charges. On XXXX/XXXX/2015 I recevied a letter from Eagle National Bank notifing me that they would begin researching the dispute and would have a respond in 30 days.On XXXX/XXXX/2015 I receive a letter from Eagle National Bank stating "" they have completed the investigation and were unable to determine that a billing error occured. Since then I have made numerous calls to EN questioning how could these charges be made to my credit card, and their reply was they can not intervene in situations involving a merchant 's contact. I futher escalated my complaint and on XXXX/XXXX/2015 sent a letter to the XXXX, their respond seem to coincide with EN and suggest I contact CFPB for further assistance if I am not satisfied with the resolution. 
",,Consent provided,Web,2015-06-16,Closed with explanation,Yes,No,CR1416934,3534
2015-06-11,Bank account or service,Checking account,Problems caused by my funds being low,,"Several customer service representatives and supervisors have unfairly, unprofessionally, misled and misinformed me about how to avoid overdraft fees. Only the last XXXX supervisors that I spoke with fully informed me how to avoid overdraft fees and even both of them had slightly different versions of how I can avoid overdraft fees. How am I suppose to avoid overdraft fees if I 'm not being properly informed by Eagle National Bank 's customer service representatives and supervisors? I followed what I was told and directed to do and I still get hit with overdraft fees. This is seriously unprofessional and unfair to me because all I did was what I was instructed to do by several Eagle National Bank 's customer service representatives and supervisors. I would like for your agency to review all of my recorded customer service conversations so that you can hear how many different, incorrect and incomplete versions of how to prevent overdraft fees I 've been told by Eagle National Bank 's consumer service representatives and supervisors. Even if I read and signed Eagle National Bank 's overdraft fees policy when I first opened my Eagle National Bank checking account, I should n't be told different or incomplete misleading and misinforming versions of Eagle National Banks overdraft policies, especially from Eagle National Bank 's own customer services representatives and supervisors. I just figured and was falsely made to believe that Eagle National Bank 's overdraft fees policies had changed based on the incorrect, unfair, misleading and misinforming information I received directly from several Eagle National Bank customer service representatives and supervisors. A Eagle National Bank customer service supervisor supposedly reviewed all of the recorded conversations between Eagle National Bank 's customer service representatives, supervisors and me and that same Eagle National Bank customer service supervisor concluded that I was fully and correctly informed and that nothing incomplete, misleading or misinforming was ever told to me in regards to any Eagle National Bank 's overdraft fees policies by any of the Eagle National Bank customer service representatives or supervisors I spoke with. To this moment, because of all the endless different versions I been told or received or also because of the lack of information provided by Eagle National Bank 's customer service representatives and supervisors, I still do n't know what are the real and correct overdraft fees policies at Eagle National Bank. Plus I had to endlessly plead with and almost beg the last Eagle National Bank customer service supervisor I spoke with to have someone look into my complaints and unfairly and unprofessionally no one has ever called me back. 
",,Consent provided,Web,2015-06-11,Closed with monetary relief,Yes,No,CR1417700,11979
2015-06-11,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank overdraft fees - set up new XXXX new accts, XXXX saving & XXXX checking with debit card. I was clear I only wanted too use money on my card, but in signing all paperwork I did sign off on overdraft protection. XXXX weekend I had XXXX debit withdrawals ( all under {$15.00} some only {$2.00} ) - they were not deducted from avail cash and all processed on Monday, using the highest amount XXXX ( not the dates of withdrawal ) thus creating {$170.00} in overdraft fees. I went to bank to XXXX ct branch and spoke to branch mgr & Vice President, XXXX fee was removed but would not remove {$140.00}, my mentor then went too see her and was told "" it 's all his fault, not the banks, and perhaps we need to due a better job teaching life skills, and maybe he should n't be on his own yet "" we 've exhausted all avenues with bank, with no help because they all refere too what this Vice President put into acct, our last conversation was with a customer service supervisor ( XXXX ) that told us nothing could 've changed because it 's all done by computer algorithms. 
",,Consent provided,Web,2015-06-11,Closed with explanation,Yes,No,CR1416568,1460
2015-06-11,Credit card,,Closing/Cancelling account,,"I opened a Target REDcard managed by Eagle National Bank in XX/XX/XXXX. This week ( the week of XX/XX/XXXX ) they closed my account due to 18 months of inactivity. I called, and they refused to re-instate the account. However, I reviewed my Account Agreement, and there is no language regarding inactivity in the Agreement. Eagle National Bank should be required to re-instate my account because of the language in the contract that they themselves wrote. 
",,Consent provided,Web,2015-06-11,Closed with explanation,Yes,Yes,CR1417159,2169
2015-06-11,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2015-06-15,Closed with explanation,Yes,Yes,CR1417626,1921
2015-06-11,Credit card,,Delinquent account,,,Older American,Consent not provided,Web,2015-06-11,Closed with explanation,Yes,Yes,CR1416831,2969
2015-06-11,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-06-11,Closed with explanation,Yes,No,CR1417494,2428
2015-06-11,Credit card,,APR or interest rate,,,,Consent not provided,Web,2015-06-16,Closed with monetary relief,Yes,No,CR1417566,2464
2015-06-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-11,Closed with explanation,Yes,Yes,CR1417224,7959
2015-06-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-11,Closed with explanation,Yes,No,CR1416907,3018
2015-06-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-16,Closed with explanation,Yes,No,CR1417367,4783
2015-06-10,Bank account or service,Checking account,Deposits and withdrawals,,"For XXXX years I 've been transferring funds from my credit union account to my checking account at Eagle National Bank. Those transfers all cleared in XXXX hours or so - I never even saw a hold placed. Last month, however, my deposit was held by BofA, XXXX for XXXX days, then on the XXXX day extended to XXXX days. The credit union reported that the funds were delivered to BofA on the day after the deposit. After an hour on the phone with the "" risk department '' at BofA, a supervisor giving her name as "" XXXX XXXX '', released the hold, but refused to tell me why the bank had placed a hold on funds they had already collected. The same thing has happened this month - my check was deposited in a BofA ATM on XXXX, the credit union shows the check clearing on XXXX, but BofA, on XXXX, declared a hold on the deposit, which they say will be released on XXXX. Again, agents of the BofA refuse to say why my money is being held, a XXXX after they collected it from the credit union. 
",,Consent provided,Web,2015-06-10,Closed with explanation,Yes,No,CR1414792,976
2015-06-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I received a check from my insurance company for roof replacement made payable to myself, a XXXX veteran, and my spouse. It was also made out to the previous mortgage holder, XXXX XXXX I endorsed the check and gave it to the roofer. He in turn, took it to the Eagle National Bank Branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The bank cashed the check without the endorsement of the mortgage holder. I also called XXXX XXXX Bank, the bank the insurance check was drawn on because Eagle National Bank told me ( after multiple calls to them ) that it was a XXXX XXXX problem not theirs. However, XXXX XXXX did not cash the improperly endorsed check, Eagle National Bank did, I believe that the Eagle National Bank did not follow their own guidelines when they cashed this improperly endorsed check. Please advise and I have provided a copy of the check in question. The other signature besides those of my husband and mine, is that of the roofer, XXXX XXXX. I have also filed a police report as XXXX XXXX never did the roofing work so I am out XXXX the money. 
",,Consent provided,Web,2015-06-10,Closed with explanation,Yes,Yes,CR1414843,12730
2015-06-10,Bank account or service,Checking account,Using a debit or ATM card,,"I was at a party and my wallet got stolen, due to the fact my wallet is also a phone case, my phone was stolen as well, along with my credit/debit cards.. A few days later i was able to purchase a new phone, after purchasing a new phone I was able to check my email, upon checking my email I had an email from Eagle National Bank alerting me my account was overdrawn, immediately I contacted BofA to explain the situation that the card was not in my possession, they read all of the unauthorized transactions in XXXX XXXX and I told them it was n't me it was fraud. A few days later they denied my claim and stated they didnt see any fraudulent activity, but I received an email while the fraud was occurring about unusually activity, so that lets me know they knew something was n't right, for XXXX I live XXXX miles from XXXX, another thing is I had everything taken from me so I had no money or anyway to get to XXXX. They also stated the reason why my claim was denied was because my mobile banking was accessed, and that indicates awareness, but like i mentioned before my phone was stolen, my phone did not have a password. I explained that to them once again, then they stated that was not in the notes, and I can have them "" re-open '' the case, of course I agreed, and they also told me to file a police report. immediately i filed a police report, and received a confirmation email from the police department, 2 days later I received an email stating my claim is denied once again, before I even had a chance to send them the report, the police depart approves the report in a 3-5 period, plus my report was done on a Thursday, thats XXXX business day. Eagle National Bank 's reason, once again is the mobile banking being accessed. I told them again my phone was stolen, and that they did n't give me a chance to send in the report, their response was they already reached a decision. Im a college student working XXXX jobs, taking care of my XXXX siblings and I had over {$3000.00} stolen from me, BofA does not care about me at all, they do not live up to the XXXX liability terms they talk about, I 'm behind in my bills, I have to eat less, put in extra hours at work, Ive lost over XXXX pounds in the past XXXX weeks dealing with this, PLEASE HELP ME!!! I do n't know what else to do. I need my money back!!! 
",,Consent provided,Web,2015-06-10,Closed with explanation,Yes,No,CR1414143,4237
2015-06-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My father passed away on XXXX XXXX, he did n't have much when he died but had a couple of small accounts, including an IRA with Eagle National Bank - we have been trying to close out that account and collect the small amount of money for XXXX months. We 've supplied a copy of his Will, letters of testamentary, Small Estate Affidavit, and death certificates, still to no avail, I even sent a letter to their President/CEO. We have gotten the same standard reject letter XXXX times, saying they need legal documents, we call and they need XXXX item filled out on a form. Then the next reject letter comes, and repeat, XXXX times. My in-laws are worth a lot of money and have pulled their money from this bank, horrible customer service, horrible procedures, just a horrible bank! 
",Servicemember,Consent provided,Web,2015-06-10,Closed with monetary relief,Yes,No,CR1415112,456
2015-06-10,Credit card,,Identity theft / Fraud / Embezzlement,,"I am a victim of identity theft and someone stole my identity and personal information to open up a Visa credit card account with Eagle National Bank. The following Eagle National Bank Visa credit card account do not belong to me : XXXX. 
",,Consent provided,Web,2015-06-10,Closed with explanation,Yes,No,CR1415838,2467
2015-06-10,Credit card,,Customer service / Customer relations,,"I have had Eagle National Bank shut off my credit card multiple times, probably XXXX, for no logical reason. I opened up my account 8 years ago in Texas and it became connected to my parent 's account, which is also in Texas. Then, my parents moved to XXXX XXXX, but I still remained in Texas. However, Eagle National Bank continually shut off my credit card because it was being used in Texas, even though I called them every single time to tell them that I lived in Texas and that it was not suspicious activity and that they needed to change my address. Every time, they assured me that it would never happen again. Yet, it happened time and time again. I would be far away in an area that I did not know with homeless people approaching my car and trying to take money from me, and I could not get gas or leave because Eagle National Bank shut off my card again. Last time, I told them that if they shut off my card again without asking me, then I 'm taking all of my money out of the account and moving to another bank and they told me that they would not shut it off again. However, they did about a week later. Then, when I called to say that I wanted to transfer my money and wanted to know the best way to do it, the representative just told me to go ahead and try, but I 'll get fined. She was extremely rude and did not try to rectify the situation at all whatsoever. She did not apologize or care in the least. I am a "" preferred customer, '' yet Eagle National Bank shuts off access to my own money time and time again, without reason. 
",,Consent provided,Web,2015-06-10,Closed with explanation,Yes,No,CR1414065,3321
2015-06-10,Credit card,,Identity theft / Fraud / Embezzlement,,"Recently Eagle National Bank reported account # XXXX to my credit report as a negative around XX/XX/XXXX with an open date of XX/XX/XXXX. At the time this account was opened I was a student in XXXX. I was not legally able to open debt at the time. I have never opened up a credit card with Eagle National Bank. This account is not mine and I strongly believe is being reported in error. 
",,Consent provided,Web,2015-06-15,Closed with non-monetary relief,Yes,No,CR1415795,3760
2015-06-10,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank has been consistently ( the past 3 years ) re-ordered my debit transactions by highest to lowest and changing the posting date. Which in turns gives me multiple {$35.00} dollar charges on transactions under {$20.00}. And on top of the multiple over draft fees, the start charging {$20.00} fees every 2 days. On top of that, some how their monthly matinence fee makes an appearance during this random time of the month. Another {$35.00} dollars down the drain.This type of practice is unfair and unethical. On the poorer side of the income spectrum and this makes it hard to maintain any type of decent balance and remove yourself from the black hole. 
",,Consent provided,Web,2015-06-10,Closed with monetary relief,Yes,No,CR1414916,4775
2015-06-10,Credit card,,Other,,"I had a credit card account with Eagle National Bank / Target. The account was included and discharged in chapter XXXX bankruptcy. This account is showing a status of "" CHARGED OFF ''. I disputed with the credit bureaus and the account came back as verified. I sent a certified letter to the creditor XXXX months ago and have not received a response. I then once again disputed the account with the credit bureaus and once again it came back verified. 
",,Consent provided,Web,2015-06-15,Closed with explanation,Yes,No,CR1414183,3834
2015-06-10,Credit card,,Late fee,,"I had a due date of XX/XX/XXXX, min payment XXXX. I set up weekly payments of XXXX, which were applied XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX. Since the XX/XX/XXXX payment was received & posted after the due date, i believe it should be applied to the XX/XX/XXXX payment. It was NOT.  They said because it was after the due date but before the statement closing date, it could not go towards the following months minimum. the next due date was XX/XX/XXXX. Payments were applied XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. I was accessed a late fee because they say only XXXX payments were received before the due date...even though they had XXXX payments before the statement closing date. If it cannot be applied because of statement closing date then due date & clising date need to be the same.",,Consent provided,Web,2015-06-16,Closed with monetary relief,Yes,No,CR1414917,3319
2015-06-09,Bank account or service,Checking account,Problems caused by my funds being low,,"B of A misleadingly claimed, and used fraudulent software advertised in Court exhibits that were purported to "" XXXX '' and "" XXXX '' overdraft fees. They settled the lawsuit for XXXX, but continued using the same fraudulent software. 

They also enticed customers with false sense of assurances, cited in XXXX once as saying, by their XXXX, "" We are no longer having overdraft fees. "" I have been changed overdraft fees of {$10.00} and then {$40.00} for {$1.00}, {$1.00}, {$1.00}, etc., etc, etc. This is clearly an indicator no lawsuit is big enough for them to not write it off as the cost of doing business. They literally make money by extracting funds from people who have no money. And XXXX, in their industry, sum in overdraft fees alone, each year. I wo n't get into how they do it, as it 's complex enough as it is for this box, but, it 's downright fraudulent. 
",,Consent provided,Web,2015-06-09,Closed with explanation,Yes,Yes,CR1415544,189
2015-06-09,Bank account or service,Checking account,"Account opening, closing, or management",,"I had an account at Eagle National Bank for years. About two years ago I went in to close it since I no longer used it. I was told there was no need to close it since it was a free account and there was no way they could change my account and start to charge my free account. I then left {$20.00} in the account to keep it active. This year I find out through XXXX that my account was low. It turns out my account was now {$16.00} in the hole and there was the threat to charge me an additional {$35.00} insufficient funds fee. Having no other option to close the account I had to pay them {$16.00}! No one would refund my account so essentially Eagle National Bank stole {$36.00} from me. The {$20.00} that was in the account and the {$16.00} extra that I had to pay. Infuriating to be lied to by bankers that my account could never change. I would have closed it long ago if I knew they could change the terms of the account without my approval. 
",,Consent provided,Web,2015-06-09,Closed with explanation,Yes,No,CR1413115,143
2015-06-09,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a line of credit in XX/XX/XXXX that was linked to my checking account ( had same account number for the LOC ). My husband filed bankruptcy XXXX, but I did not and I continued to make on time payments for 3 years..until XXXX and the online payment option was no longer available. I called Eagle National Bank to find out why I could not make my XXXX payment on XXXX/XXXX/15 at XXXX and spoke to XXXX, who assigned me a case # XXXX and then spoke to XXXX in the escalation group. He informed me that they charged off the account on XXXX/XXXX/15. I told him that could n't be because I had not even had any late payments in over 3 years, but he said it was because my husband was joint owner of my checking account. I explained that I did not file Chap XXXX and I was primary on the account. I told him I HAD to make my payment and he said there was no way for me to pay it because it was charged off. I said there 's no way with my job that I could have something like that on my credit and he needed to find a way for me to pay them. He insisted that was not possible for me to pay the account and that he GUARANTEED it would not show up on my credit. I pulled a credit report on XXXX/XXXX/15 to find there was "" no data '' for XXXX and the remaining months show charged off. I called Eagle National Bank again on XXXX/XXXX/15 at XXXX and spoke to XXXX who said she would take the payment for the total amount and I said I needed to talk to a manager before I did that. She assigned me another case # XXXX and that someone would follow up with me about this. No one has called me or mailed any further information to date ( XXXX/XXXX/15 ). If they were going to charge it off due to my husband 's bankruptcy, I should have had some warning so I could have paid it in full to avoid having a charge off on my credit. If they did n't have to give me notice of this, why did they take nearly three more years of payments after the bankruptcy? If XXXX was willing to take the payment on XXXX, why would XXXX not accept the payment on XXXX? XXXX and this is critical to my job. The way they 've reported this is fraudulent because the loan was charged off before it was late and then I was blocked from paying it until they reported the negative information. 
",,Consent provided,Web,2015-06-09,Closed with non-monetary relief,Yes,No,CR1412936,1974
2015-06-09,Bank account or service,Checking account,Problems caused by my funds being low,,"I received an overdraft fee for an ACH transaction that was an annual fee and was not aware it was billed until I saw the information on my mobile app. I called EN and asked for a courtesy exception and they advised I 've already had a courtesy exception in XXXX and they would n't be able to give a XXXX exception. I requested to speak to a Supervisor whose name XXXX XXXX and I placed my fianc on the phone as I was frustrated. My fianc questioned if there had ever been XXXX exceptions given and he advised that they had but due to the circumstances on my account we would n't be able to get a XXXX exception due to the fact she had XXXX overdrafts ( which were debits and per their policy if its approved at swipe their is no overdraft charge ) XXXX of those were not charged a fee and XXXX had, with the XXXX being credited in XXXX and the most recent being our requested now and how deeply her account is overdrawn. He stated that XXXX exceptions are given and upon further research I know that more than XXXX are given to different account holders. My impression was that because we were n't "" High Value '' we were denied a XXXX annual exception. I just feel that it 's discriminatory that others are able to receive XXXX, and XXXX exceptions and we 're not. While the reasons behind the multiple exceptions are privy to each account holder receiving the waiver the fact that it 's given we should qualify if we 're talking about fair banking. 
",,Consent provided,Web,2015-06-09,Closed with monetary relief,Yes,No,CR1413997,4799
2015-06-09,Bank account or service,Checking account,Deposits and withdrawals,,"I went into the lobby of the Eagle National Bank in XXXX to complete some banking activities, including a cash withdrawal of {$5000.00}. I swiped my debit card for the specific account from which I wanted the withdrawal to be taken, but the reduction was, in fact, taken from a different account. As a result of this error, XXXX payments to creditors were returned with insufficient funds. 
",,Consent provided,Web,2015-06-10,Closed with explanation,Yes,No,CR1413271,4411
2015-06-09,Bank account or service,Checking account,"Account opening, closing, or management",,"My mother put me as a user for XXXX of her credit cards and I would like my name off them accounts. My mother stopped paying these accounts and left them neglected but now they 're showing up on my credit report and I never wanted to be a user. 
",Servicemember,Consent provided,Web,2015-06-09,Closed with non-monetary relief,Yes,No,CR1412913,3462
2015-06-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Recently Opened an credit card account with Eagle National Bank, my bank of at least XXXX years. 
The problem I am experiencing revolves around the opening of such account.Despite of been a loyal customer to Eagle National Bank. I believe I am being treated to a different standard, since the conditions set forward by Eagle National Bank for opening the account were in my opinion simply not fair. Considering the fact that I have excellent credit history and the card I was approved for was for individuals trying to establish credit. Furthermore Eagle National Bank has fail to report the account to any of the XXXX credit reporting agencies.Despite the fact that the account has been open for more than XXXX days and I have made Eagle National Bank aware of such discrepancy.Last is the fact that Eagle National Bank handles my checking account as well monthly bill pay, which would suggest that they 're well aware of the fact that I fulfill my financial responsibility. 
",,Consent provided,Web,2015-06-09,Closed with explanation,Yes,No,CR1413486,11136
2015-06-09,Credit card,,Other,,"For months, EN had been calling and I inform them to stop calling. they stop for a while. When I got out the hospital EN continued the harassing calls to my house through XXXX card services.This is my XXXX complaint to CFPB to stop them from harassing calls however they continue to call constantly. 

EN deceptive and abusive practices against XXXX and XXXX especially to money that a consumer do n't owe. 
",,Consent provided,Web,2015-06-11,Closed with explanation,Yes,Yes,CR1413557,3099
2015-06-09,Credit card,,Identity theft / Fraud / Embezzlement,,"XXXX FRAUDULENT CHECKS ( ACCESS CHECKS ) LINKED TO MY CREDIT CARD WERE PRESENTED TO MY BANK XXXX Eagle National Bank XXXX FOR PAYMENT. I DID NOT WRITE OR AUTHORIZE THESE CHECKS. THE CHECKS WERE RETURNED STAMPED EXPIRED. THE CHECKS CONTAINED AN EXPIRATION DATE. WHICH HAD PASSED 
",,Consent provided,Web,2015-06-09,Closed with explanation,Yes,No,CR1412091,3612
2015-06-09,Bank account or service,Other bank product/service,Using a debit or ATM card,,"On Sunday XXXX XXXX while shopping my debit card was not accepted by the merchant. I called Eagle National Bank and was informed it was turned of due to suspicious activity. I was glad they did that. I called the bank and found out that someone got my debit card number and used it XXXX times at a grocery store in XXXX for the amount of {$61.00}. I have never been t o XXXX. Even though I told them it was fraudulent they took my money anyway and wont return it for 10 days if at all. I am on a fixed income and can not afford to loss this money. 
I have been violated by the person that got my debit number and then by my bank. 
",,Consent provided,Web,2015-06-09,Closed with monetary relief,Yes,No,CR1412428,665
2015-06-09,Credit card,,Closing/Cancelling account,,"I 've been having an issue with a Eagle National Bank USA/TARGET CREDIT card. 
",,Consent provided,Web,2015-06-12,Closed with explanation,Yes,Yes,CR1413544,1434
2015-06-09,Credit card,,Credit determination,,,,Consent not provided,Web,2015-06-09,Closed with non-monetary relief,Yes,No,CR1413966,9717
2015-06-09,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-06-09,Closed with explanation,Yes,No,CR1412039,10209
2015-06-09,Credit card,,Other,,,,Consent not provided,Web,2015-06-15,Closed with non-monetary relief,Yes,No,CR1412196,2068
2015-06-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,"Older American, Servicemember",Consent not provided,Web,2015-06-09,Closed with non-monetary relief,Yes,No,CR1413698,1259
2015-06-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-09,Closed with non-monetary relief,Yes,No,CR1412351,3330
2015-06-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Approximately XXXX weeks ago, I went into the Eagle National Bank, XXXX MD, branch to make a deposit. Upon making the deposit, a bank executive, XXXX XXXX, gave me a sales pitch that I qualify for free checking accounts, and a visa card. My history with this Bank was for a HELOC which I recently paid off. Now, with no debt, XXXX XXXX advised me that I should take their visa card which would give me XXXX percent interest for 12 months, and up to 3 % cash back on purchases. I agreed, and applied. The next thing I find out that my credit rating dropped XXXX points because of this Banks queries, and the credit they offered was a measly {$2500.00}. Once I received the card, I immediately went into the bank and demanded they withdraw their query - which they did not. I returned the card ( which I never activated ). My complaint is due to the fact that my credit rating dropped XXXX points because of their query. I need they to retract their query, so that my credit rating can return to the XXXX is was before 
",,Consent provided,Web,2015-06-08,Closed with explanation,Yes,No,CR1411016,5189
2015-06-08,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,"Eagle National Bank ( BofA ) at XXXX XXXX XXXX XXXX XXXX NJ XXXX is refusing to cash my payroll check drawn on BofA. Do they have that right to refuse to cash a "" Payroll '' check, if the account has enough money and I have ID? 
",,Consent provided,Web,2015-06-10,Closed with explanation,Yes,Yes,CR1410926,4015
2015-06-08,Bank account or service,Checking account,Deposits and withdrawals,,"I deposit a check that was sent to me by a company, the bank cash it and three days later rejected and said I committed fraud. I would like to take this off because it looks like I committed fraud which i did n't it was with Eagle National Bank 
",,Consent provided,Web,2015-06-08,Closed with explanation,Yes,Yes,CR1411307,1343
2015-06-08,Credit card,,Credit line increase/decrease,,"I requested a {$5000.00} increase to my Eagle National Bank visa card. I receive XXXX in retirement from XXXX XXXX, CA and XXXX in social security yearly. I have in excess of XXXX in an investment account at XXXX XXXX bank and just closed escrow on a home I owed without a mortgage for {$630000.00}. My husband has an investment account valued at somewhere over XXXX. 
This is banks and the credit reporting agencies using debts to deny credit and lower FICO scores while at the same time denying other bank assets. They falsely lower your FICO score to gain higher interest rates. To me this is racketeering! 
",Older American,Consent provided,Web,2015-06-08,Closed with explanation,Yes,No,CR1410503,829
2015-06-08,Credit card,,Other fee,,"I was billed {$1700.00} from Eagle National Bank. I went on the mobile app and paid the bill using my XXXX Bank account. About a XXXX later I discovered that Eagle National Bank tried to draft out of an old account I used to use, but have only used once in the past XXXX months. My old bank ( XXXX XXXX XXXX ) ran it XXXX and charged me {$60.00} in fees, in addition to Eagle National Bank charging me a {$25.00} returned payment fee. I immediately contacted Eagle National Bank and the representative told me that it was a mistake on their app and they would take care of it and I would see it fixed on my next statement. I paid for the bill that day out of the correct account and it did go through. A few weeks later when my statement came, it was not fixed, so I called Eagle National Bank again and was told the same thing. Again, it was not fixed. I called Eagle National Bank for a XXXX time and spoke with XXXX and superior of card financial services, XXXX who both told me that I would get refunded their {$25.00} fee, but not the {$60.00} they cost me from XXXX. I was told that even if it was their fault they were not authorized to fix it and that I should contact my financial institution myself. I contacted XXXX and was told by XXXX XXXX, who was ever so helpful, that in these kinds of circumstances, the institution who caused the problem would typically rectify it from their end, which is what I was originally told by Eagle National Bank. I do n't understand why Eagle National Bank, who could easily contact XXXX and fix this, would want to defraud me out of my {$60.00}. I would appreciate anything you could do to assist me in this matter. 
",,Consent provided,Web,2015-06-08,Closed with monetary relief,Yes,No,CR1411994,417
2015-06-08,Credit card,,Identity theft / Fraud / Embezzlement,,"On XXXX XXXX,2014 I received a letter from Eagle National Bank. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action. 
",,Consent provided,Web,2015-06-08,Closed with explanation,Yes,Yes,CR1411478,1045
2015-06-08,Credit card,,Billing disputes,,"Well, I have filed a compliant against Eagle National Bank and the Bank issued a responsewhich I did not accept, since it is improper and requires a detail analysis to convinceme or the CFPB. I paid a total of {$1600.00} to date and the Bank gave me a credit of only {$370.00} out of the original balance of {$2000.00}, Pleas find the attached payment historyfiltered from online XXXX Payment database and also compare the response the BankOf America wrote me, ( since the file size was too large I could not upload it ) so please request a copy from Eagle National BankI think the Bank is still did not want to accept a wrong doings of an amount that is $ {$1200.00} which should be returned to my account. 
Therefore I demand The CFPB, to request back full return of My money, Restore mycredit History, Which I could not refinance as a result my home Mortgage and I alsowant CFPB to Forward this case to a civil Right lawsuit lawyer and Federal agencyto file a lawsuit against the bank to get me proper all possible compensation and alsoopen a selected and relevant case of other consumers regarding Credit and MortgageImproper handling and gaining unfair and Unlawful advantage, and also I kindly want to inform you that my credit score of XXXX were loweredfrom XXXX to XXXX which made Harder to get my Home Mortgage Refinance very HardAfter my complaint, and so please conduct a sample studyof Credit Bureau of a possible of giving Unfair advantage of credit and Mortgage to aspecific banks in some cases as well!! 
",,Consent provided,Web,2015-06-10,Closed with explanation,Yes,No,CR1411348,4139
2015-06-08,Credit card,,Transaction issue,,"Purchased a piece of furniture on target.com that stated it was in stock and able to be delivered with in a XXXX weeks to my door. Paid with my target red card credit card. The wrong king size bed was delivered. When the XXXX call to target.com was placed the resolution was that the correct item has been expedited to deliver the correct item and remove the incorrect item from my home. After waiting for XXXX weeks we had not heard from XXXX, Target 's third party distributer, so a call was placed. We were told that no order has been received from target.com to exchange these items. After checking the website, the correct bed had been placed on back order. No call from target.com about this issue. The back order date was only XXXX weeks away, so I said okay, I 'll wait. XXXX weeks later I called XXXX and received the same news that target.com never placed an order with them to exchange the wrong item. Looked on the website and the correct bed was placed on back order again, but this time for XXXX more weeks. Going on XXXX weeks of having XXXX large boxes of this wrong king size bed in my tiny living room, I decided that I wanted to cancel the order and have the wrong item picked up and a refund issued. The bed sat in my living room for almost XXXX months and when it was finally picked up for a return it was then delivered back to me because target sent USPS to get the bed and not XXXX their distributer. ( What the? ) waited another week for XXXX to finally get this bed out of the house. Purchase placed in XXXX. Bed delivered back to target middle of XXXX. Target.com says that a refund was issued to my red card on the XXXX of XXXX. It 's XXXX XXXX, and we are still fighting to get this "" refund '' stated by target.com to apply to my target red card. Since XXXX I 've paid interest on an item that target.com did not have in stock even though it stated that it was in stock. I 'm afraid to even ask for the interest charges to be refunded on an item that they never had available for purchase. This should be illegal. It should be illegal to charge interest on an item sold that the seller never had in their possession. They lied about it on their website. After two more hours of phone calls today and reaching dead ends with XXXX more people I have to file a complaint. I need help recovering money that is owed back to my target red card. The moment that I receive the refund my red card will be closed. I will shop elsewhere. It 's disappointing and disturbing that a store and that store 's credit card can not communicate and make things right for their consumer. 
",,Consent provided,Web,2015-06-10,Closed with monetary relief,Yes,No,CR1410851,1694
2015-06-08,Credit card,,Delinquent account,,,,Other,Web,2015-06-08,Closed with explanation,Yes,Yes,CR1411678,12890
2015-06-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2015-06-08,Closed with non-monetary relief,Yes,No,CR1413697,6944
2015-06-07,Credit card,,Closing/Cancelling account,,"I have had a XXXX branded XXXX XXXX credit card from FIA Card Services for a couple of years. I have always paid the bill on time and in-full. In XXXX of 2015, after a string of occasions where the credit card became "" locked '' due to suspected fraudulent activity, I elected to cancel the card. I phoned in on XXXX and asked for my account to be closed. Rather than closing my account, they reissued a new credit card. To my horror, I learned in XXXX that the account was actually still open and that they were posting charges to it XXXX including some, it seemed, that were back-dated to XXXX and XXXX but had never appeared before ). I XXXX again asked for the account to be completely cancelled. They assured me it would be. It was not. I then called again, on XXXX XXXX and spoke to XXXX people XXXX XXXX and XXXX in 'Credit ' ). They said "" not to worry, the account was fully cancelled '' but that certain recurring charges might still post. I asked them to fully cancel and deny any recurring charges. They said they would see what they could do and would call me back. Which they never have. Now, in XXXX, the account still appears to be open with charges recurring. I feel trapped by this company ; they are clearly keeping my account open for credit purposes. And while I have been paying the bills in full, I simply want the account cancelled. I have never had this experience with a credit card company -- where they promise to take a specific action and never do. 
",,Consent provided,Web,2015-06-11,Closed with explanation,Yes,No,CR1409738,736
2015-06-07,Credit card,,Late fee,,,,Consent not provided,Web,2015-06-07,Closed with monetary relief,Yes,No,CR1409781,2616
2015-06-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-06-07,Closed with monetary relief,Yes,No,CR1409655,1968
2015-06-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-07,Closed with explanation,Yes,No,CR1409693,9664
2015-06-06,Bank account or service,Checking account,Problems caused by my funds being low,,"I had been using my Eagle National Bank banking application along side the banks automated teller system to ensure that I was not using any funds that would make my account overdrawn. As of yesterday, when I had all but on pending transaction on my account, it read that there was {$20.00} in my account available, I checked the automated system and it told me the same information. Now, today I found that I have been overdrawn on the account. The bank even recinded the overdraft fees because they said it was a bank error, when I asked for the {$20.00} I would have had in my account back they said that I could file a fraud claim to get the money back. I then reminded them that I did state I made the charge and I would not be filing as that would have been fraudulent. The manager said that would be the only way to get the money back, which was really upsetting to hear the only way to get my own money back would be to do something illegal.Their system constantly tells me I have available funds, and I can not use the card for weeks and it will then change the amount available ( no newly posted charges will show either to explain those charges ) their fraud dept STILL has n't sent me any paperwork I needed for a fraudulent charge. I am very saddened by the fact that this bank constantly admits that their system is messing with our money, but refuses to do anything about it or to make things right for their customers as a whole. Especially since this would definitely be considered fraudulent activity. 
",,Consent provided,Web,2015-06-06,Closed with monetary relief,Yes,No,CR1409383,2166
2015-06-06,Bank account or service,Checking account,Problems caused by my funds being low,,"I had pending transactions on my account that when they posted would over draw my account. I had money deposited into my account to avoid the over draft fees I would get if everything posted without depositing money. I was still charged an over draft fee for a transaction which is what actually caused my account overdraw. I contacted the bank about the matter and they told me that they are allowed to charge overdraft fees for pending transactions. They never did this before, in fact when I opened my account with them they encouraged me to use online banking and to set up alerts so if there were pending transactions on my account that would cause my account to over draw I would have time to deposit money before the items posted to my account. Now they are doing something else and trying to tell me that this is the way it has always been. 
",,Consent provided,Web,2015-06-06,Closed with monetary relief,Yes,No,CR1409306,1810
2015-06-06,Credit card,,Billing statement,,"Eagle National Bank fails to fill out balances in the interest rate charges portion of their statements. Interest rates and promotional dates are listed, but all balances are {$0.00}. You can not determine which portion of the balance is subject to the promotional rate. 
",,Consent provided,Web,2015-06-06,Closed with explanation,Yes,No,CR1409354,4182
2015-06-06,Credit card,,Identity theft / Fraud / Embezzlement,,"I was threatened over the conversation by a phone call from Eagle National Bank in early XXXX, 2015. The gentleman told me that I am fully responsible in debt of {$21000.00} because this account is under my name with my social security number. I was very afraid my credit will be damaged and worried about the employment opportunities in the future if I refuse, I agreed to settle with him verbally. 
I received the confirmation letter about two weeks later, the settlement amount of {$5500.00} scheduled of XXXX installments starts from XX/XX/XXXX. Each payment will deduct from my checking account automatically. However, I discovered this account does n't belongs to me ; I am neither the business owner nor holding Tax ID. Meanwhile, I do n't have enough money to cover the payment. 
The overdraw protection plan of the EN works and yet accelerate more debt. I called to reverse my money back to my checking account, unfortunately, every one were dropping the ball although XXXX of the gentleman told me that he is issueing the request for me. I went to bank 10 days later personally, they told me it is still processing because holiday and weekend. 
I also discovered none of any letters from I received indicated the fully credit card number ( XXXX of confirmation, XXXX of reminders to XXXX of attempt to collect a debt. ) I 'm very anxious want my money back to pay the other past due payments. I should n't made this kind of mistake, what a fool I am! 
",,Consent provided,Web,2015-06-06,Closed with explanation,Yes,No,CR1409571,406
2015-06-06,Credit card,,Closing/Cancelling account,,"My card was used fraudulently. I was able to get the vendor to credit the account within a short time but not in the same payment period. But Bankamericard charged me late fees and interest and has now closed my account. Do n't they have some responsibility for fraudulent charges? I do n't care about the closed account but they have no doubt reported me to the credit bureaus. They should credit my account XXXX for the late fees and interest and wipe credit history clean. 
",,Consent provided,Web,2015-06-10,Closed with explanation,Yes,No,CR1409489,3874
2015-06-06,Credit card,,Unsolicited issuance of credit card,,,,Consent not provided,Web,2015-06-06,Closed with non-monetary relief,Yes,No,CR1409271,3098
2015-06-05,Bank account or service,Checking account,Problems caused by my funds being low,,"I bank with Eagle National Bank.I had a check deposited after XXXX on XXXX/XXXX/2015. My balance at that time was XXXX. The local banks were closed at the time. When I checked my bank account the following day it showed an overdraft fee of {$35.00}. I contacted the bank and they advised me that the check was processed between XXXX XXXX and XXXX on XXXX/XXXX/2015. I had a direct deposit into my account at XXXX on XXXX/XXXX/2015. In the past I have received notifications from my bank stating that I had until XXXX to make a deposit in order to avoid an overdraft fee. I received no such notification from them for this overdraft. The bank refused to reverse the overdraft fee. The check was specifically deposited after close of business to avoid an overdraft fee. They could not give me a reason as to why I was not allowed until XXXX on XXXX/XXXX/2015 to make a deposit. They show the deposit as occuring on XXXX/XXXX/2015 even though it was not processed until XXXX/XXXX/2015. I should have been given until the deadline of XXXX on XXXX/XXXX/2015. even if the check was processed at XXXX a deposit occurred XXXX hours later. I feel that this was an unfair practice by my bank. in order to charge me an overdraft of {$35.00} so taht they could make money. 
",,Consent provided,Web,2015-06-05,Closed with monetary relief,Yes,No,CR1407268,3190
2015-06-05,Bank account or service,Checking account,"Account opening, closing, or management",,"I had a joint account at Eagle National Bank and they let the other party close the account without my knowledge. 
",,Consent provided,Web,2015-06-05,Closed with explanation,Yes,No,CR1407338,229
2015-06-05,Bank account or service,Checking account,"Account opening, closing, or management",,"I requested the Eagle National Bank to close my account as I am living these days in XXXX for the past 4 years. I used to get my XXXX benefits directly from XXXX, but due to this bank charging a fee and several ATM charges abroad in XXXX by the XXXX banks which will only dispense XXXX or nearly {$150.00} per transaction, I decided to close the account but the Bank though initially agreed to waive the fee for XXXX XXXX their bank statement dated XXXX, continued to start again charge me the very next day {$12.00} and refused to refund the money. In the meantime another small pension from XXXX in the sum of {$37.00} was credited to my above bank account, but the Eagle National Bank will neither wire transfer the balance which is less than $ XXXX or send a cheque to my address abroad in XXXX. The customer care reps. have a nasty attitude and was adopting a dog in the manger policy. I want my money back and close the account. My discussions with them was quite unsatisfactory. 
",Older American,Consent provided,Web,2015-06-10,Closed with explanation,Yes,No,CR1408633,13102
2015-06-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"If I take out a XXXX loan. I get charged a 6 % or so interest on the loan. The money is taken from my own XXXX account -- my own money, not the banks. I lose all interest on those funds. So basically, the XXXX service provider, is lending me back my own money, taking XXXX risk, taking a 6 % profit, and denying me capital appreciation on those XXXX funds. Effectively they are lending me my own money and raping me on charges. That is outrageous. 
",,Consent provided,Web,2015-06-09,Closed with explanation,Yes,No,CR1407344,777
2015-06-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"On Thursday XXXX XXXX, 2015 I left my debit card at work. I left work and I was half way home when I realized this. I immediately called Eagle National Bank via phone at got the card cancelled and the representative said I could go to any banking center and get a temporary ID. The next day, XXXX XXXX, 2015 I went to get my temporary card at the Eagle National Bank on XXXX XXXX in XXXX Florida. I went there reluctantly because I have had a previous incident of discrimination from XXXX which I documented through Eagle National Bank. I went inside to get my temporary card and waited. I just happen to get XXXX as my representative. When I expressed that I needed a temporary card she said ok flippantly. I gave her my Drivers License and Social Security Card per her request. My drivers license has my maiden name so I gave her my social security as another form of identification. She immediately looked at me with resistance and said I do n't think I can change this but let me see what my manager says. She did this without explanation. She went to go see with her manager not XXXX but XXXX. She came back and said she could not do it. I asked to speak with the manager as I had already had problems of discrimination with this representative before. This should be documented in her records and mine. She was discriminatory against me 60 days prior to this incident. The manager XXXX came over and immediately he appeared agitated. I proceeded to explain the situation and he said we ca n't do anything your license has to match. I advised I had my debit card replaced with a temporary card approximately XXXX times within the past year from over XXXX different Eagle National Bank centers. He advised all of the other centers are doing it wrong. I then said I only have problems when I come to this particular center. Then XXXX said I ca n't believe you remember that. I said of course I do. I remember when people discriminate against me and I told her I would remember this incident of discrimination too. The manager interrupted her as she proceeded to speak and said "" You do n't have to speak with her ''. He refused to give me access to my account by way of a temporary debit card and he treated me differently than he did the other customers that were XXXX. Additionally, when I called your offices they said that Banking Center Managers can make exceptions and they do for certain people. I suggest you check the recorded call. He told me that they can treat people differently and that was ok. I know this illegal and it is discrimination. Both XXXX and XXXX were discriminatory. Those are the events that took place on XXXX XXXX, 2015. 
",,Consent provided,Web,2015-06-05,Closed with explanation,Yes,Yes,CR1408739,2135
2015-06-05,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX, 2015 i had reserved a vehicle from XXXX XXXX XXXX for a wedding. To reserve the vehicle i had to provide a debt card along with D/L information. I authorized XXXX XXXX XXXX to charge me for the amount of {$200.00} that was for the deposit for booking the vehicles. Next day we noticed XXXX additional charges for {$74.00} and the following day another XXXX additional charges for {$220.00} and another XXXX for {$100.00} on the same day and these charges were NOT authorized or notified of. Since it was a weekend we were unable to get in touch with Eagle National Bank because they have certain working hours and are closed on weekends, with no customer service on weekends what so ever. The following Monday we called Eagle National Bank to dispute the charges made to my account. They told me that they will reverse the charges and do a investigation on the matter. On XXXX XXXX, 2015 we received a report from Eagle National Bank with all the backups and stating that there were no errors in those transactions and rejected our request for the dispute. When reviewing the transactions which we know that we did not authorize any of them. We noticed that the documents submitted by XXXX XXXX XXXX that summarizes the job for the day had a forged signature on the document. We tried to get into contact with Eagle National Bank to notify them that the signatures were forged and that we did not authorize the charges and Eagle National Bank insisted that the signatures are ok and that the transactions are true. We again explained to Eagle National Bank that the charges are not true and we did not authorize them. After going back and forth with Eagle National Bank for about a week being passed to different representatives we reopened the dispute and sent a rebuttal documents. After a few days of waiting for Eagle National Bank to contact me, i called to get a status on the issue. Eagle National Bank again stated that they will be rejecting the dispute and that there is nothing they can do about the issue. I requested to speak with the investigator that was taking care of my dispute to clarify the errors. Until now XXXX/XXXX/2015 i still have not heard back from Eagle National Bank regarding my dispute. On XXXX XXXX, 2015 there were XXXX un-authorized charges for {$220.00}, {$100.00}, and {$100.00}. On XXXX XXXX, 2015 there were XXXX more unauthorized charges for {$74.00} and another {$74.00}. The total amount is {$570.00} that was taken from my account by Eagle National Bank without my authorization and agreement. 
",,Consent provided,Web,2015-06-05,Closed with explanation,Yes,Yes,CR1408794,49
2015-06-05,Bank account or service,Checking account,Using a debit or ATM card,,"on XXXX/XXXX/2015 Eagle National Bank processed a Debit for Charged Off Credit card Account. without any prior notice given to me. I am the owner of this account. when I asked the bank for an explanation they say that my son was a co-owner on the account therefore they can take the funds without notice. he is the person we owes the money. I informed them that I need this money for my mortgage, and that I am the owner of the funds, not my son, but the bank will not refund my money. I do n't know what to do its a credit card that my son was trying to negotiate payments on. PLEASE HELP!! thank you XXXX 
",,Consent provided,Web,2015-06-05,Closed with explanation,Yes,No,CR1408019,2966
2015-06-05,Credit card,,Billing disputes,,"Eagle National Bank XXXX EN XXXX continues to defy the CFPB and other governmental agencies including legislation. 
This is my XXXX separate complaint against EN, apparently your office is simply a 'Horse and Pony '' show. This time EN has found a way to manipulate legislation by charging {$65.00} for a returned check they do so by breaking it down into XXXX separate charges XXXX. {$40.00} for "" Payment returned unpaid '' XXXX. "" returned check fee '' I thought REALLY i mean are you kidding me ...! I had to break down laughing for the boldness and obvious lack of respect towards all governmental agencies. Let me give you a bit of insight on how all banks respond to the CFPB 's investigations. 
the CFPB contacts the bank ( let say EN ), a representative from EN emails or calls me apologizing but offers NO solution. I am always stuck filing lawsuits and dealing with this alone. By the way, I have n't lost a lawsuit yet against any financial institution or credit bureau ( XXXX ). However, it is time consuming and invasive. 
So you guys can continue to be ineffective or dig down and do what XXXX XXXX Americans continue to hope for. 
Additionally, although I have filed disputes with the credit bureaus and EN, EN continue to deliberately violate Fed. Law XXXX FCRA ) by confirming accuracy of debt DURING the dispute process. ( In other words, they do n't give a XXXX about policy ) In the meantime, XXXX XXXX we launched last year intending to educate voters and expose political XXXX focused in MICHIGAN. However with over XXXX XXXX registered voters in our data base we decided to go national ( website is currently under construction so we can handle the heavier traffic ). But to see our effectiveness you only need to research what happened to XXXX XXXX XXXX XXXX and guess who was responsible to exposing that XXXX! 
XXXX 
",,Consent provided,Web,2015-06-09,Closed with explanation,Yes,No,CR1408850,209
2015-06-05,Credit card,,Delinquent account,,"I have disputed this before with the agencies, most recently a year ago, got a letter "" creditor said information was accurate '', totally impossible. Years ago I got a call from EN, so I asked proof of debt/payment. I searched my bank for the dates they gave me on the phone and more recently on my credit report, couldnt find any payments for those dates, let alone month within 7 years, I never got confirmation from them. I 've lived in the same house for 9 years, and have bank records computerized, going back 11 years and just to be safe searched quicken as well as the electronic statements finding no payments so it needs to be removed, and taken off XXXX / XXXX, I want to make it clear I 've had XXXX for 10+ years so the payment would be there, I even tried to match payment dates and nothing,. I feel they are re-dating, in fact XXXX / XXXX show different payment dates to keep it within the 7 year mark to keep it listed. 
Either way this is past statute and needs to be removed from the credit agencies. 
",,Consent provided,Web,2015-06-05,Closed with explanation,Yes,No,CR1409179,4800
2015-06-05,Credit card,,Balance transfer,,"I received a balance transfer offer in the mail from Eagle National Bank offering 0 % thru 2016 if I transferred an existing balance to a card that I had with them that carried a {$0.00} balance and a credit line of {$7800.00}. The day after the transfer was made, Eagle National Bank lowered the credit line to the account to {$5800.00} which in turn caused the account to go from a {$0.00} balance to {$2000.00} over the credit limit. I was then told that the reason for decreasing my balance was due to what appeared on my credit score. I 'm now in a situation where my credit report will now show that I 'm over my balance on the account as a result. 
",,Consent provided,Web,2015-06-05,Closed with explanation,Yes,No,CR1407297,921
2015-06-05,Credit card,,Balance transfer,,"VISA credit card through Eagle National Bank -- -- -- -- -- -- -- -- -- -- -- -- -I refuse to use a DEBIT card. What I have chosen to do is pay an extra amount, over and above the XXXX balance of my VISA card, just in the event that I am hospitalized and therefore unable to pay my bills in a timely fashion. 

On XXXX XXXX, 2015, I deposited an extra {$170.00} into my VISA account, which is {$170.00} over my balance of XXXX ( {$0.00} ). This obviously means that I have a CREDIT in the amount of {$170.00} remaining to charge items. 

On XXXX XXXX, 2015, Eagle National Bank transferred (??? ) this money to what they have chosen to label "" CREDIT BALANCE REFUND DEBIT '', and they labeled this as "" FEES ''. 

Upon noticing this on XXXX XXXX, 2015, I called them, and was told by a very courteous and understanding representative, that this is a policy!!!!! SINCE WHEN????? In lieu of a DEBIT card, I place additional funds into my VISA account in order to cover those spontaneous purchases I make. I was told by the representative that Eagle National Bank is sending me a check!!! WOW!!!!! I thought internet banking was supposed to eliminate "" snail mail ''. Why could they not simply transfer the money back to my checking account??? 

I know the banks just love those of us that pay our credit card bill in full ( LOL!!! ). It must be fabulous to know that I have extra funds on my credit card, therefore partially eliminating the chance that my payment will be late!!! Hey, no interest money paid to the bank!!! 

CAPITOLISM ... ... ... .make that money!!!!!!!!!! 
",Older American,Consent provided,Web,2015-06-05,Closed with explanation,Yes,No,CR1407557,3586
2015-06-05,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank charged me an overdraft fee after they automatically overdrafted my account be charging an account fee of XXXX dollars and a periodic fee of XXXX dollars even though I had no money in my account. As a result of my overdraft they took everything I had when my check was deposited. 
",,Consent provided,Web,2015-06-05,Closed with monetary relief,Yes,No,CR1407422,3221
2015-06-05,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank is reorganizing debt transactions from highest amount to lowest, causing more overdraft fees. I have paid over {$3000.00} in less then XXXX years because of this. I am a single mom of XXXX, that makes enough to cover bills. however with what i pay in overdraft fees it has put me in a hole. i pay the fees, then ontop of that I have to pay for my bills putting me back into the hole. i get paid every XXXX weeks, in XXXX week i had to pay over {$630.00} because of how they processed the transactions, i only make {$690.00} every two weeks. 
",,Consent provided,Web,2015-06-05,Closed with explanation,Yes,No,CR1408210,3289
2015-06-05,Credit card,,Transaction issue,,,"Older American, Servicemember",Consent not provided,Web,2015-06-05,Closed with explanation,Yes,No,CR1407306,3103
2015-06-05,Credit card,,Rewards,,,,Consent not provided,Web,2015-06-05,Closed with explanation,Yes,No,CR1407495,4485
2015-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,"I did owe Bank of americ {$52.00} and paid it on XXXX/XXXX/15. This of course was reported to XXXX and was told that it would state 'piad ' within XXXX days. To this date, it has not been updated to say 'paid ' ( not removed, just paid ) and I am unable to get XXXX to acknowledge the receipt or the bank to make the correction 
",,Consent provided,Web,2015-06-04,Closed with non-monetary relief,Yes,Yes,CR1406942,12221
2015-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,"I got divorced and just wanted my wife 's name off the mortgage. It was the mortgage I took out in XX/XX/XXXX. The exwife signed a quit claim. Eagle National Bank told me that I needed to apply for a new mortgage in the Assumptions Department. I did and was XXXX refused a mortqage I already have been successfully paying. I demand a full refund of my amount of payment for the mortgage application to the Assumption Department. This process started in XXXX XXXX. It has gone on and on due to a slow bureaucracy inside Eagle National Bank. How slow? XXXX letter from BAC demanded information or threatened denial of a mortgage if new information was not provided promptly. The letter was dated, for example, XXXX XXXX, XXXX but was postmarked from the same office a complete one week period later on XXXX XXXX, XXXX!!! Thus the letter did not arrive until two days before the "" due date '' for the newly requested information. I was passed from one loan handler to another. I would like to list their names here. 
Now a complaint about this very website : underneath this webpage asks for a type of bank service, and no where is "" MORTGAGE '' listed. 
I am picking the XXXX option, advising you now, I mean "" mortgage problem '' by picking the XXXX option below. 
",Older American,Consent provided,Web,2015-06-04,Closed with explanation,Yes,No,CR1406908,2496
2015-06-04,Bank account or service,Savings account,"Account opening, closing, or management",,"I have a modest savings account and rent a safety deposit box with Eagle National Bank in XXXX WA XXXX. I received a letter on XXXX XXXX, 2015 stating my account was being closed. I called EN customer service for information but was told a reason was not required. They stated my account would be closed XXXX XXXX and I would receive my money back. 
",,Consent provided,Web,2015-06-04,Closed with explanation,Yes,Yes,CR1406855,5107
2015-06-04,Bank account or service,Checking account,Problems caused by my funds being low,,"I have an issue with Eagle National Bank taking {$70.00} out of my account after it over drafted a small amount for a matter of a few HOURS, not days. I went to the bank immediately to put the funds in. The real issue is that the policy used to be that you would only be charged if money is not added within 5 days and I was not notified of any change to this policy and therefore did not expect a charge. Naturally I try not to overdraft but I have accounts at XXXX banks and I had forgotten to make a transfer. If it were days I would understand and especially if I had been notified of a policy change, but not hours. Also, there was enough money in my savings to cover the amount. The bank used to let you link the accounts for protection and now it does not, so it can take your money. Managing someones account is not an excuse to steal from them anytime you see fit. I will be looking for a new bank immediately. 
",,Consent provided,Web,2015-06-04,Closed with monetary relief,Yes,Yes,CR1405766,216
2015-06-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have been attempting to rectify the situation with Eagle National Bank by calling various executives including the Assistant General Counsel to no avail. After further review of my account I located {$490.00} worth of bank fees on XXXX account alone within the last month. All of these were based off of Eagle National Bank allowing electronic payments to post and then charging my account a bank fee. The most recent fee was for a {$7.00} charge that they returned to a vendor that last month they choose to pay as a "" courtesy '' when the transaction was for well over {$100.00} and the account was overdrawn for a lot more than it was when they returned the {$7.00} transaction. When I asked them to place a block on my account so that if I do not have the funds in the account electronic transactions can not be processed, which would avoid the overdraft fees being assessed I was told that it could not be done since my account was overdrawn. 

In addition to their unresponsive, unethical, and dishonesty I located XXXX erroneous transactions just with a preliminary review of my account. These transactions along with the bank fees that were assessed to my account put it in the positive, therefore there justification for removing funds from my savings account to cover the fees that they placed on my account is even more so ridiculous. Out of the {$540.00} that was taken from my savings account from the funds that I had already authorized to be paid to XXXX XXXX on XXXX/XXXX/15 at least {$490.00} of it was to cover fees that they placed on my account to cover transactions that they either "" courteously '' paid or for bank fees that were assessed to my account. 
",,Consent provided,Web,2015-06-08,Closed with explanation,Yes,Yes,CR1405405,361
2015-06-04,Bank account or service,Checking account,Problems caused by my funds being low,,"I have XXXX accounts with Eagle National Bank. In order to prevent overdrafts in XX/XX/XXXX I opted out of payments of overdraft created by debit card charges and automatic payments and requested that if there were not sufficient funds the items were to be denied. The bank changed the setting in the account and when items without sufficient funds came in these were declined, however, the bank continued to charge {$35.00} per item since it indicated that declined items are subject to fees anyway. In addition, the bank would not indicate in the activity online what item was declined. Since the solution was worst that the problem I went back to opting in for overdrafts. Also, I was not notified of my right to opt in or out for payment of overdraft. That was the bank strategy to get me to opt in again. I believe that the bank actions might be in violation of applicable regulations and were established as a device to charge excessive overdrafts fees. As such the bank is incurring in unfair and deceptive practices. For this reason I request that the bank refunds all overdrafts fees charged to my accounts in XX/XX/XXXX and XX/XX/XXXX. 
",Older American,Consent provided,Web,2015-06-04,Closed with non-monetary relief,Yes,No,CR1405442,2508
2015-06-04,Bank account or service,Checking account,Deposits and withdrawals,,"I made a normal checking account bank deposit at my regular bank branch of {$5500.00} which included a check made out to me for {$4000.00}. The deposit was accepted, but then later I received a letter in the mailing saying the {$4000.00} check was being reduced to {$400.00} XXXX see enclosures XXXX. The check quite clearly says $ XXXX on the XXXX line and "" XXXX XXXX '' on the XXXX line. I took this letter to my bank branch and they seemed to agree with me that {$4000.00} was correct, but then I got a XXXX letter saying they would not change it. 
",,Consent provided,Web,2015-06-04,Closed with monetary relief,Yes,No,CR1406255,3831
2015-06-04,Bank account or service,Checking account,Deposits and withdrawals,,"I was charged XXXX {$35.00} overdraft charges which I feel are not due to my error but rather the banks. My bank has a Bill Pay Service which I use for various debits XXXX of which was my monthly rent which I indicated to be paid XXXX/XXXX/2015 since my deposit would not go in until that date. The bank Bill Pay Check dated XXXX/XXXX/2015 was posted on XXXX/XXXX/2015 creating an overdraft since the account balance at that time was {$380.00}. The XXXX overdraft fee was charged due to an {$20.00} debit also on XXXX/XXXX/2015 at which time there was {$380.00} in the account, however, due to the bank 's accounting method it posted "" after '' the {$950.00} debit. There were XXXX other debits posted on XXXX/XXXX/2015 but these posted prior to the {$950.00} debit. This policy seems to me to be selective and inconsistent. Enclosed is a copy of my bank statement and letter to XXXX of XXXX 
",Older American,Consent provided,Web,2015-06-04,Closed with monetary relief,Yes,No,CR1405684,1059
2015-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,"Just found out that I 've been paying for years through my Eagle National Bank account for something called XXXX. Called EN and they say it 's a XXXX party charge. They transferred me and XXXX says my husband signed up for this and they wo n't cancel it. Called EN back and told them I wanted them to stop the charge from going through anymore and they refused. I apparently have been paying for something that I was unaware of. My money goes into this account, my name is on the account and I ca n't stop them from taking my money. 
",,Consent provided,Web,2015-06-04,Closed with explanation,Yes,Yes,CR1406944,3753
2015-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,"My bank account was fraudulently used to where now my credit and opening a bank account privileges have been severely affected. I contacted the bank immediately and they were not helpful and actually quite rude when it came down to it. I am highly upset because through no fault of my own, my future with other banks/creditors has been adversely affected. 
",,Consent provided,Web,2015-06-04,Closed with explanation,Yes,Yes,CR1406116,2662
2015-06-04,Credit card,,APR or interest rate,,"I have a credit card account with Eagle National Bank for the purpose of a balance transfer promotion. This balance transfer promotion is until XX/XX/XXXX. I called Eagle National Bank to see if I could add additional purchases and if they would be covered under the 0 % apr. I was informed that they would be. I made a purchase and on my next billing cycle was charged interest. I called Eagle National Bank again, to see why this happened. The representative informed me that my new purchase was NOT covered under the 0 % apr and to avoid further interest charges, I would need to pay off the new purchase amount in full. I did this. I received my next statement with even a larger interest charge and again called Eagle National Bank. This time I was informed by both a representative and supervisor that my payment was only partially applied to my higher rate purchase and the rest was applied to my balance transfer of 0 % interest. The supervisor told me there was nothing she could do except reimbursement this once for the interest charge. Through my research and what I have read about the Credit Card ACT of XX/XX/XXXX, this company is not abiding by this legislation. I was misinformed on XXXX separate occasions by the same company. 
",,Consent provided,Web,2015-06-04,Closed with monetary relief,Yes,No,CR1406753,1463
2015-06-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-06-04,Closed with explanation,Yes,No,CR1406108,2460
2015-06-04,Credit card,,Credit line increase/decrease,,,Servicemember,Consent not provided,Web,2015-06-04,Closed with monetary relief,Yes,No,CR1407083,2653
2015-06-04,Credit card,,Billing statement,,,,Consent not provided,Web,2015-06-04,Closed with non-monetary relief,Yes,No,CR1405259,810
2015-06-04,Credit card,,Credit determination,,,,Consent not provided,Web,2015-06-04,Closed with explanation,Yes,No,CR1406146,1261
2015-06-03,Bank account or service,Checking account,Problems caused by my funds being low,,"Around the middle of XXXX XXXX 2015 XXXX, I missed placed my debit card and I, unfortunately, bank with Eagle National Bank so I could not make any transactions, because my account was a paperless account. I was charged around {$21.00} dollars for my gym membership which left my account with $ XXXX dollars. Before I was notified my account was over drawn, Eagle National Bank charged me an overdraft fee of {$35.00} dollars on top of my $ XXXX dollars. Which left my account at $ XXXX dollars. I called as soon as I found out about my XXXX overdraft fee, they told me there was nothing they could do for me except send me a new card and that was fine, the day after i called Eagle National Bank decided to charge me another fee of {$35.00} even though they knew there was nothing i could do until i got my new card. After a few calls i paid {$86.00} dollars that i owed and decided to let it go. On the XXXX of XXXX XXXX 2015 ) i was charged {$46.00} dollars by my gym and XXXX again another {$35.00} dollars on the same day XXXX XXXX XXXX ) with no warning or time to deposit money in my bank account. This is the prime example of legal money laundering. I am a student who works seven days a week, lately, only to pay all my debts to Eagle National Bank. This whole situation resulted in me paying {$160.00} of my hard earned money to this fraudulent bank. I am hoping to take action to prevent this from happening to someone else. 
",,Consent provided,Web,2015-06-03,Closed with explanation,Yes,No,CR1403832,1606
2015-06-03,Bank account or service,Checking account,Deposits and withdrawals,,"EN has got to be the worse and most insensitive bank of all. They charge all these overdraft fees plus and extended fee. I have been with them for years and i also use direct deposit so why do they treat their customers like XXXX. I am a single mother and i cant afford to give any extra money to them. 
",,Consent provided,Web,2015-06-03,Closed with monetary relief,Yes,No,CR1404927,176
2015-06-03,Bank account or service,Savings account,"Account opening, closing, or management",,"I authorized a payment on XXXX/XXXX/15 for {$550.00} to XXXX using XXXX Pay from my Eagle National Bank Savings account. I also took {$60.00} out of the ATM on XXXX/XXXX/15. On XXXX/XXXX/15 Eagle National Bank took out {$540.00} and applied it to my personal checking account without my consent and returned my rent payment as insufficient and applied a {$35.00} overdraft fee to my account resulting in a negative account balance of {$10.00}. I am attaching a copy of my rent statement showing the authorization made on XXXX/XXXX/15 for my rent and the ATM receipt for the {$60.00} I withdrew from the ATM. 
",,Consent provided,Web,2015-06-03,Closed with non-monetary relief,Yes,Yes,CR1403253,4276
2015-06-03,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I filed a dispute with Eagle National Bank regarding a service I did not receive. The complaint began on XX/XX/XXXX, and each time the response from the bank is the same. I have provided documentation that shows the business did not perform the service, and I stated that the complaint was regarding a service not received. In each response, the bank claims they reviewed the case, but will respond by denying the claim because "" it is not a wrongful post to the account. '' I have provided documentation. I have asked for an explanation for the denial ( an explanation that would apply in this scenario ). I have asked if there is any addtional information that is needed. In every instance, I simply receive the same letter with the same resolve. The company will not do a complete review, and does not provide any resource to speak with a manager. I was told there were no managers in the dispute department. I have tried relentless to speak to management without any resolve. I have asked for clarification on this issue and I do not recieve it. I had my car serviced on XXXX/XXXX/2015 at XXXX in XXXX Florida. I paid XXXX for a fuel pump system. After the car was serviced, it stopped working two days later and had to be towed back to XXXX. XXXX kept my car for almost two weeks, and I was told the part that was put on was defective. Again, when the car was returned to me, the car stopped running a few days later and had to be towed. The car has not been fixed since its release date on XXXX/XXXX/2015. I notified Eagle National Bank and filed a legitimate dispute. The response is "" we do not find an error in the post to the account. '' I have received this response XXXX times and 120 days later, Eagle National Bank 's dispute department has yet to clearly identify that my complaint/dispute is for a service that I did not receive. 
",,Consent provided,Web,2015-06-03,Closed with explanation,Yes,Yes,CR1404855,28
2015-06-03,Credit card,,Late fee,,"EN Bank who is now the creditor for XXXX XXXX. We purchased furniture Back in XX/XX/XXXX and in XX/XX/XXXX they stated that we purchased more, which we never did. I contacted them to find out why all of us sudden our new monthly payment went up, my wife and i were astonished when they told us that this rat change had been done since XX/XX/XXXX. Keep in mind that we were setup for electronic statements and searching the emails, no statements and been sent to us in any folder in the email account. We spent over 2 hours on the phones with representatives yesterday, including supervisors who could not find anything wrong with their system, but could n't track any outbound email either. I think that it banks should be notifying consumers at any time that their rates change. Whether that is a phone call, paper statement or e-statement. This was not done and i found the "" customer service '' to be less than satisfactory. We no have to dispute XXXX more late charges but since no statements have ever been made, why did it take 3 months for this bank to let us know that the late fee 's had accrued. 
",,Consent provided,Web,2015-06-03,Closed with monetary relief,Yes,Yes,CR1404250,3922
2015-06-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-06-03,Closed with non-monetary relief,Yes,No,CR1403893,3843
2015-06-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-03,Closed with explanation,Yes,No,CR1404669,2417
2015-06-03,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-06-03,Closed with explanation,Yes,No,CR1404574,2800
2015-06-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Expenses for Reimbursement : Condo Inspection - {$350.00} Copies from XXXX - {$4.00} Attorney Fees - {$880.00} Condo Questionnaire - {$140.00} Mortgage Application Fee - $ XXXX - XXXXWe expect the Eagle National Bank to honor and accept the mistakes and shortcomings that occurred by their employees.The purchase of our condo fell thru XXXX days before the closing of XX/XX/XXXX.We ca n't express enough the disappointment of the loss of this purchase and expense and lack of trust and communication of Eagle National Bank to do their jobs properly. On Monday, XX/XX/XXXX, our Attorney called us to let us know that the deal had fell through due to the neglect of Eagle National Bank Mortgage Loan Officers doing their job in a timely fashion. The mortgage was approved. All papers were submitted to Eagle National Bank by us for the approval. We were trying to reach the Eagle National Bank Mortgage Officer & his Manager XXXX XXXX for days and only received a call XXXX days after I had submitted a complaint with the XXXX telling me that they would not refund all of our money even though it was their fault. What a disgrace. They always called us to call each of them as their way to communicate. It was bizarre. It was like they never even spoke to each other. The Mortgage Officer would not take care of the Condo questionnaire. We had to have our realtor pay for it up front. He would never answer her calls or emails. Then XXXX week after the questionnaire was completed, another Eagle National Bank employee called because she wanted to take care of the questionnaire and wanted our credit card number. The Loan Officer had called us for our credit card number to pay for the mortgage fee application and said he was charging the card {$440.00}. He charged our card {$660.00}. Who does this? Is this how Eagle National Bank does business? Our Attorney called us once a week complaining that both Eagle National Bank Officers would not respond to their calls and emails. They put all of us from the very start in a very bad position with this whole process. The burden of their jobs was pushed on us XXXX a week. It was like every day was their first day on the job! My husband and I are just XXXX over this and their neglect. Please help us. 
Time Line : Bid with Realtor - XX/XX/XXXX Inspection on Property - XX/XX/XXXX Mortgage Approval with Eagle National Bank, - XX/XX/XXXX Condo Questionnaire Sent to BofA Mort Loan Officer to Complete - XX/XX/XXXX Condo Questionnaire Completed by Realtor - XX/XX/XXXX We were notified that Deal Fell Through - XX/XX/XXXXthe closing was set for XX/XX/XXXX ... ... We just want our expense back for their shortcoming ... 
",,Consent provided,Web,2015-06-02,Closed with monetary relief,Yes,No,CR1401946,3598
2015-06-02,Bank account or service,Checking account,"Account opening, closing, or management",,"I have had my bank account since I was in high school. At the time of opening the account with Eagle National Bank there was no need to order checks as there was a limited amount of transaction being conducted. 
I now found myself in need of checks as I was asked to pay my rent and deposit using that form of payment. I went into the Eagle National Bank branch in XXXX, Ca and asked to order checks and to get a couple temporary checks so I could pay my new landlord. I was told by the teller that new checks are only issued for new accounts and they would be happy to sell me a cashiers check for {$10.00}. I was told that no exception would be made even though I have never had checks before. I feel that this practice is unfair. The bank clearly has the ability to issue a temp. check they just refused to do so in order to charge me XXXX for a cashiers check. Eagle National Bank is holding my money hostage unless I was willing to pay a fee. 
",,Consent provided,Web,2015-06-02,Closed with explanation,Yes,No,CR1402071,3684
2015-06-02,Bank account or service,Checking account,Problems caused by my funds being low,,"I required filed complaints against Eagle National Bank - overdraft problems adds to more genitals discrimination attacks me that made me overdraft fees charges with history records. In addition, they discriminate me in ugliest appearances as they laughed me looked at me in very poorest ugliest appearances what Eagle National Bank does not like me too much when I walked in this discrimination bank. They guffawed looked at me in poorest ugliest clothes and offered me in ugliest overdraft discrimination. Also, in the past time, XXXX Bank refused to open my personal checking account along with other XXXX Bank account refused to serve opening new checking account because Eagle National Bank 's overdraft discrimination complaints. YOUR RESPONSIBILITIES MUST MUST RELEASE REPORT TO XXXX XXXX AND XXXX XXXX XXXX REQUESTS ABOUT Eagle National Bank 'S HORROR DISCRIMINATION AGAINST MY XXXX & APPEARANCES DISCRIMINATION ISSUES. Eagle National Bank MADE ME IN XXXX AS INSULTED ME IN XXXX INDIVIDUAL WITH OVERDRAFT HISTORY RECORDS! 
",,Consent provided,Web,2015-06-03,Closed with monetary relief,Yes,Yes,CR1401712,10201
2015-06-02,Bank account or service,Checking account,"Account opening, closing, or management",,"my name is XXXX XXXX, my business address is XXXX, florida XXXX, I have an XXXX, on XXXX XXXX, I open a commercial account on Eagle National Bank, a week later they close the account with a positive balance of XXXX $ with ought any explanation and refer my account to a risk department, when I call to the phone number that they give me XXXX, they talk me that they will sent me a check with my money, I never receive any check, when I call in several occasion they said that the check was return to them, I was very surprise because I am in the same location for more than XXXX years, so on XXXX XXXX they said to me that they will recent the check to my house, XXXX florida XXXX, again I do n't have nothing in my mail. The only I receive is a bank statement with a XXXX $ balance and withdraw from Eagle National Bank of the remainder balance of {$2000.00},. the time past and past today is XXXX XXXX 2015. also I went to XXXX of the location of bank America, and XXXX of the employee, that call the risk department on XXXX XXXX, that now I have to wait XXXX months, and if I like or not I have to wait. I ca n't believe that even do a bank can close an account with out any notification they cant take my money that was money for the salary of our employees, I need my money as soon as possible and really I hope that you can help me with this issue. 
",,Consent provided,Web,2015-06-02,Closed with explanation,Yes,No,CR1402195,2603
2015-06-02,Credit card,,Identity theft / Fraud / Embezzlement,,"Per a credit report pulled in XXXX and disputed several accounts listed with all XXXX credit agencies, as the accounts were not even mine. XXXX XXXX Account XXXX, XXXX Account XXXX and Eagle National Bank Account XXXX. All XXXX of these accounts belonged to a different XXXX XXXX. Additionally, there was no social security number on file for XXXX of them, and there was also an invalid address attached to my credit reports for the state of XXXX and I have never lived outside of the state of XXXX in the XXXX years of my existence. When calling XXXX the representative told me in XXXX that name on file was for a XXXX XXXX XXXX, that there was NO social security number captured from that person for the account AND when reporting the credit situation, they did n't know where to attach it so they put it on mine. These XXXX companies have attached information for someone named XXXX XXXX to my account since XXXX, which has impeded my ability to secure fair interest rates or even securing loans to purchase vehicles or a home. Lastly all XXXX of these companies informed me when calling in XXXX that my social security number was not even in their system, and upon formally disputing these items with the XXXX credit reporting agencies, it took over 2 years and more than XXXX attempt to get these items removed from my credit report. In XXXX, I was refused a car loan, in XXXX I secured a car loan for a rate of 10.75 % interest, in XXXX and XXXX I was refused home loans when attempting to purchase and as a result was required to relocate myself and my children XXXX times in seven months shortly after their father passed away. 
",,Consent provided,Web,2015-06-05,Closed with explanation,Yes,No,CR1401385,1088
2015-06-02,Credit card,,Credit determination,,"The Honorable FDIC Complaints Request Response to XXXX SENATORS REQUESTS : i filed charging highest-complaints against Eagle National Bank in breaking record requests notification to XXXX Senators and XXXX XXXX at formal requests : I am not happy with Eagle National Bank refused serve to a XXXX individual who applied credit card made declined and they made denial credit card because of overdraft and worst horror credit records discrimination addresses as they insulted me in XXXX call out addresses report to XXXX Senators and XXXX XXXX knowledge what wrong with Eagle National Bank. Eagle National Bank made hatred against XXXX individual that horror discrimination harmful credit card records. I am not happy with Eagle National Bank 's credit card as insulted me dumbest individual as they laughed at me in poorest XXXX account! Eagle National Bank refused removed bad credit records and bad overdraft records that they criticized against my checking account notification to XXXX SENATORS and XXXX XXXX and XXXX XXXX XXXX charging enforcement requests. 
",,Consent provided,Web,2015-06-02,Closed with explanation,Yes,Yes,CR1401714,4290
2015-06-02,Bank account or service,Checking account,Problems caused by my funds being low,,"I was charged {$350.00} in overdrafts over the course of three days. 
I checked my account and realized I had pending charges that would put me negative if I did n't bring the account current. It was about {$5.00} in tota, l I would be negative. So a deposit was made and cleared by morning and my account was positive. But then the bank charged me for XXXX overdrafts from the day before. I could only see XXXX charges but they said that the XXXX XXXX is invisible and I do n't see it. ( Wait..What did she just say, I cant see it ) Its pending, I think is what she said. So I 'm like Ok. So when that pending transaction clears and posts, and I am able to see it, am I charged another overdraft fee for the same thing. Because that is what it seems like. 
Anyways I did not know my account was negative so it all went down hill from there. When I realized it XXXX days had passed. I went to pay for my husband and son 's birthday dinner only to find I was overdrawn over {$200.00}. And when woke up to call another {$70.00} was charged. So they did refund {$70.00} back but I still dont understand what went wrong. I dont know if they are reordering the transactions or what, but I did ask them to take me out of whatever program I was in that that consents to them paying a charge for {$.00} and then charging {$35.00} for it. I would rather the {$.00} be declined. I am XXXX in a state that is very seasonal. I need all the money I have to survive and dont appreciate being charged a ridiculous amount of overdrafts when I have several accounts. I am seriously considering taking my business elsewhere, XXXX consumers deserve more respect. 
",,Consent provided,Web,2015-06-02,Closed with explanation,Yes,No,CR1401943,974
2015-06-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-06-03,Closed with monetary relief,Yes,Yes,CR1401715,4667
2015-06-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-06-02,Closed with monetary relief,Yes,No,CR1401290,3630
2015-06-02,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-06-02,Closed with explanation,Yes,No,CR1402669,1164
2015-06-02,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2015-06-02,Closed with explanation,Yes,No,CR1401843,474
2015-06-02,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-06-02,Closed with explanation,Yes,No,CR1401880,1100
2015-06-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Other,Web,2015-06-02,Closed with explanation,Yes,Yes,CR1401713,1073
2015-06-01,Bank account or service,Checking account,Problems caused by my funds being low,,"Because I 've had a history of making small purchases with my debit card ( like a {$2.00} cup of coffee ) that later ends up costing me more than XXXX the amount paid XXXX when a check posts but the small purchase "" bounces '' despite having been authorized at the point of sale XXXX, I decided a few years back to decouple my accounts. Now, I have XXXX checking accounts, XXXX with the same bank. XXXX account is linked to the debit card I use regularly to make purchases and is also the account that my paycheck is deposited into. The other account I use to write checks from. Every XXXX weeks when I get paid, automatic transfers kick over into the XXXX account the exact amount for each check I write. For example, if I 'm writing a check for {$70.00}, then {$70.00} is transferred into that account. When it hits XXXX every other week, I 'm happy because it means everything balanced. But a few weeks ago my account went under by a penny. Sometime ago I enrolled my "" check-paying '' checking account in for the bank 's keep the change program. ( I had also requested a XXXX debit card for this XXXX checking account to pay recurring bills each month like XXXX ; despite being processed with a visa card number, the bank treats them like checks. If they bounce a fee is assessed. ) {$7.00} for XXXX posted and the bank transferred {$0.00} into my savings account. I do n't ever recall this being a problem in the past, but this time a "" penny saved '' meant I was a "" penny short. '' My account did n't have enough funds to cover a check for {$40.00}. The bank honored the check anyway, but socked me with a {$35.00} fee because my account was {$0.00} short. XXXX cent! 

I was charged {$35.00} because I was a penny short. This is grossly disproportionate. 

I called to speak with customer service. The gentleman I spoke with agreed that it seemed unfair but was unable to have the fee refunded. He put me on hold while he spoke with a supervisor. After about XXXX minutes, the line went dead. I did n't have time to call back and thought ( XXXX ) that the bank would follow-up internally and refund the fee. I was wrong because the {$35.00} then had a domino effect because of the automatic transfer system I set up. I transferred more money to cover some of the costs, but two weeks later another check two weeks later was short by {$2.00}. The bank again honored that check but again assessed an insufficient funds fee of {$35.00}. When a week passed ( I get paid every XXXX weeks and live outside the XXXX so depositing money into my account requires either mailing a money order or sending it via XXXX XXXX XXXX but the red was not brought out of the black, the bank charged a {$35.00} extended overdrawn balance charge. So, in a sense, being a penny short cost me {$100.00}. 

This will probably happen again because despite being a XXXX I live paycheck as a government employee. I am crippled with debt : student loan debt, remaining balances on closed credit cards, tax debt from my once-upon-a-time XXXX gig, as well as day-to-day expenses. So that light, I appreciate that the bank honored checks I wrote when it could have just refused them. But I do n't understand why a bank has the right to make this choice. If there is n't enough money in the account, then the check should be refused. Or, if the bank does decide to honor a check for which there is n't sufficient funds at that moment, it should just honor it : trust that ( based on the account 's history or account holder 's history XXXX the funds will be there shortly. But a bank should not be permitted to have the choice if the choice means they get to sock their customers with multiple fees. And even if a bank is permitted to honor a check and then assess a fee for being nice, so to speak, the fee should at least be proportionate. I was short a penny and was charged {$35.00} XXXX {$100.00} was the total effect ). That is a grossly disproportionate ratio. 
",,Consent provided,Web,2015-06-01,Closed with monetary relief,Yes,Yes,CR1399558,12383
2015-06-01,Bank account or service,Checking account,"Account opening, closing, or management",,"I have an e-account with Eagle National Bank. I was told that I would not be charge any fees. 
however every month I am being charged a $ XXXX monthly fee. 

I have called and visited the bank to take the fees off and they have done so. 
However since XXXX 2015 they have refused to do so. 
",,Consent provided,Web,2015-06-01,Closed with explanation,Yes,No,CR1400408,3395
2015-06-01,Bank account or service,Checking account,Problems caused by my funds being low,,"In 2013 when i was XXXX and a XXXX I opened a bank account with Eagle National Bank under my social security number ***********. My father gave me a check that did not clear. That balance was covered. Later I had another negative balance which my mom covered ( under {$250.00} XXXX. However Eagle National Bank has reported me too XXXX credit bureaus ( XXXX XXXX with a specific notation of fraud. Because of this I have been unable to open another bank account and I am only XXXX. There was no fraud and Eagle National Bank knows this. 
",,Consent provided,Web,2015-06-01,Closed with non-monetary relief,Yes,No,CR1399690,1485
2015-06-01,Bank account or service,Checking account,Problems caused by my funds being low,,"Monday, XXXX XXXX, XXXX Honorable to FDIC officials : Please forward emergency requests to XXXX. Senators : URGENT EMERGENCY CONTACTS WITH XXXX XXXX XXXX XXXX AND XXXX XXXX : I write in complaint against Eagle National Bank that discriminates against me with overdraft checking account. I am not happy with Eagle National Bank that Eagle National Bank made harmful discriminates against my XXXX and appearances in horrified addresses as they insult XXXX XXXX XXXX in ugliest appearances that Eagle National Bank does not allow XXXX XXXX XXXX entered in their bank because of overdraft discrimination, so they insulted me in more overdraft discrimination. Again, I was not happy with Eagle National Bank because of my overdraft history continually. I complain with overdraft records at Eagle National Bank continually telling to XXXX Attorney assistance with XXXX XXXX XXXX in coping problems. 
Please assist me of XXXX XXXX in cope problem with Eagle National Bank requests through male Attorney helping me with finding funds should go deposit cover up overdraft complaints to be requiring assistance XXXX XXXX XXXX along with Male Attorney in seriousness matters in law requests. 
In requiring law applies to XXXX XXXX XXXX must having a male attorney assistances with banking issues that I need helping requests with banking addresses in serious matters. Please requires applying to male attorney investigates on my bank account finds out overdraft records that they uses discriminates against me with XXXX as Eagle National Bank does not like me having banking account because of overdraft periods. 
Please take this letter to Male Attorney requires taking me to investigates with Eagle National Bank requests according to the law requirement to make deposit amount cover up overdraft fees. I do not have any extra money for deposit that I am having lot of stuck with no funds for deposit continually. 
I do n't like XXXX Apartments involved my political letters and stay away from XXXX Apartments that I do not like participate XXXX Apartments as I do not want reside at this bad housing at XXXX XXXX Apartments that they made me in baby diapers. They called me in sick and dumbest gentleman messages telling to XXXX. XXXX and XXXX XXXX. 

Please share with XXXX. XXXX and XXXX XXXX help me out with banking discrimination report to Male Attorney in XXXX XXXX deals with me in coping problems. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, OR XXXX 
",,Consent provided,Web,2015-06-01,Closed with monetary relief,Yes,Yes,CR1400690,121
2015-06-01,Bank account or service,Checking account,Using a debit or ATM card,,"My debit card from Eagle National Bank was stolen on XXXX/XXXX/2015 ( going by the account activity ). The person who stole it knew my pin number and also gained access to my online account and changed my password. I have absolutely no idea how these people obtained all my information. They deposited a check for {$3300.00} on XXXX/XXXX/15. Even though the signature in the back of the check did n't remotely resemble mine and I do n't believe they could have provided a valid ID, the funds were made readily available without a hold. These funds were used to make several purchases. When the check came back for insufficient funds and was debited from my account on XXXX/XXXX/15, the account balance went down to - {$1000.00}. The bank continued to approve purchases and debits for XXXX additional days until I finally realized my debit card was missing and I called them to notify them. By then, my account balance was - {$3500.00}. They said they would open an investigation that would take up to XXXX days and the very next day I received a letter saying they had completed the investigation and found there was "" no error in the instance '' and I was now liable for all that money. So their investigation took one day during which no one contacted me to ask me anything. I filed a police report on XXXX/XXXX/15 because someone from the bank asked me if I had filed a police report. I filed it late because this had never happened to me before so I did n't know what I had to do. The bank alleges they called me on XXXX/XXXX/15 to verify the charges and I said they were ok. I do n't remember ever getting that call. When I asked them for a copy of that conversation they said they could n't give it to me because only the police had the right to ask for it. I have left a few messages for the police investigator that was assigned to my case that have gone unanswered. In the meantime I ca n't open an account anywhere else, I ca n't deposit my work checks anywhere and my credit has been compromised. I think the bank should n't have accepted the initial deposit of over {$3000.00} without proper identification and without verifying my signature. They should have at the very least put a hold on the check until it cleared. They also should have detected the unusual activity in my account and taken the proper steps to alert me of the situation. I need help please! Who should I contact? Who regulates the banks? 
I want to clarify that the only reason the bank reopened the investigation XXXX was because I called them to tell them they were wrong and they needed to investigate further because I did not make any of those charges. As far as they were concerned their so called investigation was resolved in XXXX day. Never, during any of their XXXX investigations I was ever contacted by anyone to ask me anything at all. 
",,Consent provided,Web,2015-06-01,Closed with explanation,Yes,No,CR1401007,4779
2015-06-01,Credit card,,Other,,"Hello, My wallet was stolen on Saturday, XXXX XXXX. Within XXXX minutes of this happening I had a fraud charge alert. I handled it with my bank, and cancelled my other accounts. 

The reason I 'm writing is that less time that it would have taken to drive to the Target in XXXX XXXX, they had spent almost {$300.00}. Last year I was the victim of the Target theft that happened to many people. The only charge was about {$90.00}, also at the Target in XXXX XXXX. 

These are the only times I 've experienced credit/debit card fraud.. and they both had charges at the same Target in XXXX XXXX , California. 

This I find odd, and I do n't believe in coincidence. I just wanted to bring it to someone 's attention. It seems far fetched that the XXXX times in my life that I 've had issues, where in the same place. I had not been to the Target in XXXX XXXX on either occasion. 

Thank You. 
",,Consent provided,Web,2015-06-03,Closed with explanation,Yes,No,CR1399732,1978
2015-06-01,Credit card,,Closing/Cancelling account,,,Older American,Consent not provided,Web,2015-06-01,Closed with explanation,Yes,No,CR1401014,3869
2015-06-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-06-02,Closed with explanation,Yes,No,CR1400607,1892
2015-06-01,Credit card,,Balance transfer,,,,Consent not provided,Web,2015-06-04,Closed with monetary relief,Yes,Yes,CR1401072,3475
2015-06-01,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-06-01,Closed with monetary relief,Yes,Yes,CR1401063,3658
2015-06-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-06-01,Closed with monetary relief,Yes,No,CR1399819,666
2015-06-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,Other,Web,2015-06-02,Closed with monetary relief,Yes,Yes,CR1400691,13417
2015-06-01,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-06-01,Closed with explanation,Yes,Yes,CR1399626,5775
2015-05-31,Credit card,,Other fee,,"-- Price gauging with foreign transaction fees at Eagle National Bank BankAmericard credit card -- I was charged a foreign transaction fee in the amount of 3 % of the transaction value for the purchase of a rental car at XXXX, which I charged to my BankAmericard credit card. The purchase was in XXXX. A nominal charge of 0.5 %, capped at a certain max. transaction value, would be acceptable and fair on transactions in foreign currencies, but 3 % is price gauging. 
",,Consent provided,Web,2015-05-31,Closed with monetary relief,Yes,No,CR1399288,4063
2015-05-31,Credit card,,Transaction issue,,"XXXX XXXX, 2015Diamonds InternationalXXXXXXXX XXXX, XXXX XXXX Sir or Madam ; Please be advised I intend to continue my dispute for the transaction amount of {$17000.00} on Diamonds International account XXXX. I want to exercise in good faith my right to withhold further installment payments for the purchase of XXXX, which had been returned and received by D.I International office in New York on XXXX XXXX, 2015I do not owe your company additional installment payments totaling {$17000.00}. Again, The merchandise had been returned! Making further installment payments for a document that states "" Store Credit Voucher '' totaling {$17.00} is beyond me. First, I have not received the voucher and second why am I buying it? ( literally ) I do not understand as to why D.I will not just credit my account since your credit card company is XXXX of the same as the merchant. I have sent certified letters and emails to your company requesting to do a charge back to no avail. Actually, D.I International credit card owes me a refund of {$380.00}. I have sent a payment of {$610.00} minus {$230.00} ( amount not in question ) leaving a positive balance of {$380.00}. 
I have not lost hope for your company to understand my dispute. Hoping for a positive response. 
NOTE : At the time of purchase, retailer failed to provide their return policy. 
Retailer had no conspicuous display of their No Refund Policy outside or inside the store, failed to provide its No Refund Policy anywhere in front of the sales receipt, and retailer 's sales representatives failed to inform me of store 's No Refund Policy before and/or after signing sales agreement. It was only when I attempted to obtain a Return Merchandise Authorization was I informed of retailer 's no refund policy in fine print located at the back of sales receipt. 
Cc : Consumer Protection Agency/ XXXX Consumer Financial Protection Bureau/ Federal Trade Commissions 
",,Consent provided,Web,2015-06-03,Closed with explanation,Yes,Yes,CR1399337,2012
2015-05-31,Credit card,,Credit card protection / Debt protection,,,Older American,Consent not provided,Web,2015-05-31,Closed with explanation,Yes,Yes,CR1399310,2839
2015-05-30,Bank account or service,Checking account,"Account opening, closing, or management",,"I received a letter to my physical address I provided to Eagle National Bank. This letter was mailed to my current physical address ( XXXX, WA ) and asking for my country of residence. I provided this on account opening ( obvious since I received my letter ) and am concerned that the information was misplaced, or the web application the bank uses is not committing the information correctly during the automated online account opening process ( or letting anyone, including XXXX 's open accounts ). I wish that the bank could confirm that my account information is secured and that they overlooked my account information prior to mailing this letter. The Eagle National Bank chat representative could not state why my information was missed on the automated and validated online application. I was given no choice but to provide this letter back or my checking account would be closed. 
",,Consent provided,Web,2015-05-30,Closed with explanation,Yes,No,CR1398907,967
2015-05-30,Credit card,,Other,,"Eagle National Bank is reporting an adverse credit card account on XXXX XXXX which I was placed as an "" Authorized User ''. I wish to have this removed from my credit file and not be an authorized user on this account. I would like this deleted immediately off my credit file on XXXX XXXX and any other credit bureaus they are reporting this to. 
",,Consent provided,Web,2015-05-30,Closed with non-monetary relief,Yes,No,CR1399013,3723
2015-05-30,Credit card,,Transaction issue,,"I have a habbit of setting up online payments to pay off the balance on my Eagle National Bank credit card every month. In XXXX of 2015, I noticed that Eagle National Bank had gone in and modified my authorized payment - without any notice to me - to reflect an amount lower than what I had set up. If I had not caught it timely, this practice would have exposed me to interest and fees, despite having received a "" confirmation '' for the payment that I had previously authorized. Eagle National Bank representatives initially denied that anyone on their end could change payments scheduled by a customer. After elevating the issue, I was finally told that the modification had been a "" computation error '' made by a "" new system '' and that it would not happen again. The issue has now repeated itself and Eagle National Bank representatives are now repeating the same lines they used last time, stating that no one on their end can change scheduled payments - despite already admitting after their previous investigation that their "" automatic '' system does in fact take actions to modify customer payments and expose customers to interest and fees without notice. 
",,Consent provided,Web,2015-05-30,Closed with explanation,Yes,Yes,CR1399019,3057
2015-05-30,Credit card,,Other fee,,"I was charged without knowing an amount of {$69.00} by creditcard issuer, Spirit airlines. Their card is make based on Eagle National Bank. 
Took me hours on the phone with the bank XXXX Spirit did not answer the phone ) to find out the charge is a fee to became a sort of {$9.00} XXXX member. I strongly refuse and requested to take of this unwanted fee.I was refused by the bank representative that is not working on my side as a customer. 
So the bank did not accept to open a dispute. 
I paid the bill except that fee of {$69.00}. 
In two days I received a new bill with {$69.00} plus a penalty charge. 
",,Consent provided,Web,2015-06-02,Closed with monetary relief,Yes,No,CR1399058,405
2015-05-30,Credit card,,Billing statement,,"I was late last month, and charged a {$35.00} because the payment arrived after the closing date. 
The payment was for {$750.00}, payment was credited to my next statement along with a pand to my surprise a late fee for {$35.00}!!! 
",,Consent provided,Web,2015-05-30,Closed with monetary relief,Yes,No,CR1399130,1163
2015-05-30,Credit card,,Identity theft / Fraud / Embezzlement,,"On XXXX XXXX, we received multiple e-mail alerts from XXXX XXXX concerning possible fraudulent transactions. According to these alerts, over a 5-minute period, XXXX ( XXXX ) suspicious charges were attempted. All were fraudulent, and XXXX subsequently removed them from the account. XXXX issued a new card, and we have seen no further fraudulent activity on these accounts. 
Concerned about losses and uncertain about how the XXXX card was compromised ; we checked the current transactions on our XXXX card on XXXX XXXX. We discovered XXXX ( XXXX ) fraudulent charges made on XXXX XXXX, and posted to the account on XXXX XXXX. We did NOT receive security alerts about these bogus charges, nor have we received alerts about an additional XXXX ( XXXX ) phony charges reportedly transacted on XXXX XXXX. As of XXXX XXXX, the fraudulent charges to our XXXX account totaled {$9100.00}. 
The XXXX ( XXXX ) fraudulent charges to our XXXX account have multiple 'red flag ' features. 
These characteristics were explained in phone calls to XXXX ( XXXX ) representatives in the Fraud Department at XXXX on XXXX XXXX, XXXX, XXXX, and XXXX. XXXX of the XXXX XXXX. personnel told us that they/AMEX could NOT close the account, and only on the XXXX would the representative agree to block further charges. As of XXXX XXXX, only {$8200.00} was reimbursed to the XXXX account. XXXX also issued a new card. 
The fraudulent transactions were all made by the same entity, identified in the XXXX monthly statement as : 'E-GOV MIN. OF XXXX & XXXX. ' ( Abbreviated after to XXXX ) This entity did NOT have address or phone ID on the statement like our legitimate credit contacts. 
The XXXX statement shows XXXX billed our account on XXXX XXXX XXXX for a total of XXXX XXXX that XXXX converted to a {$320.00} charge on our account. 
The main shock in this fraud was seeing charges made to a credit card that was "" deactivated '' by XXXX on XXXX XXXX 2014. All our legitimate charges since XXXX 2014 were on a replacement XXXX card. 
Information below on XXXX ( XXXX ) of the XXXX charges is derived from web access to our account and phone conversations with XXXX XXXX XXXX. employees. The monthly statement will not be available until about XXXX XXXX. XXXX reportedly made XXXX ( XXXX ) charges to the 'deactivated ' card on XXXX XXXX -- XXXX ( XXXX ) were posted on XXXX XXXX and XXXX ( XXXX ) were posted on XXXX XXXX. 
XXXX ( XXXX ) charges were identical in the amount of {$1300.00}. 
XXXX Fraud Dept. employees reluctantly admitted that all questionable charges on XXXX XXXX were foreign currency transactions in "" XXXX '' on the 'deactivated ' card. None of the XXXX staff would identify the foreign currency. The XXXX reps could not ( or would not ) explain how a canceled card was approved for these transactions even after our repeated phone-call warnings of scam. 
Our own research into this fraud suggests the following : A legitimate foreign government entity exists with similarities to XXXX. 
In the city of XXXX, capital of XXXX, a government ministry sells water and electricity. This ministry provides an e-link for bill payment. See XXXX NOTE : We have not visited XXXX, knowingly purchased their goods or services, nor do we own property there. 
Using on-line currency converters, we found close correlation between the charges in BHD and conversion of XXXX XXXX into US dollars for the charges on XXXX XXXX. We do not know whether the XXXX card fraud and the XXXX card fraud are related, but the timing implies more than coincidence. Also, we are troubled about the apparent XXXX link to the XXXX fraud. 
",,Consent provided,Web,2015-06-05,Closed with monetary relief,Yes,Yes,CR1399069,458
2015-05-29,Bank account or service,Checking account,Deposits and withdrawals,,"I was recently notified of a bounced check that I had written several weeks ago. I had been following my account online as well as the ATM. Upon looking over my account I have found that I in fact did have the funds available at the time the check was submitted to the issuers account. According to B of A I had several holds and money that was being processed according to them. I had made XXXX online purchase with XXXX and XXXX Restaurants equipment and supply 's. Both of there sites agreements say that my card will not be charged until I have received the items in expectable condition. Well from what I see on my account history is on XXXX I made on online purchase with XXXX. At that time they told me they just needed my Debit Card to verify the funds are available but that I was not going to be charged. So there is a processing charge on my B of A account and the money was removed from my available balance. Then the next day, same amount again processing and removed. This went on more then XXXX times until XXXX. It was not until then that the items were received. I contacted XXXX and they said the would be now charging my card. How my Bank could allow multiple holds and processing makes no sense. It has alwasy been my understanding that a hold will fall off in XXXX days if it is not first collected. Yet B of A allowed this to go on every time it would fall off they would either resubmit it or allow these companies to go against our agreement of XXXX hold to make sure that the funds are available. Not every couple of days for XXXX weeks. So apparently it was then explained to me when I called B of A that Checks are the last thing they allow to be processed and removed from my account even thought this is a checking account. So at the time the check was processed I had XXXX in my account but only XXXX was availbale do to all these processings and holds they allowed these companies to resubmit or took it upon them selves to do. So in turn I was XXXX dollars short on this check. I have proof that something very similar occurred awhile back and even though I have no overdraft on my account they allowed the funds to be removed even though I did not have the total avaible balance and put my account XXXX dollars. Why they treated me XXXX way XXXX time and another the next makes no sense. Not to mention we were traveling out of XXXX for a XXXX on XXXX. I had checked our funds prior. Yet at that time the XXXX process had dropped off and gave me a total of XXXX available. Well 2 days later they resubmit this XXXX charge and lionsdeal charge to the put me at XXXX with these companys being allowed to rehold my funds over and over again. This makes it very difficult for me as I am following what the company told me regarding not being charged until the items are delverd in good condition. Yet what I am seeing is banks are allowing these companies to remove money from your account for as long as they want. So when the hold falls off my bank resubmits these holds the next day or several. There is no rhyme or reason. The when I asked them why my check would n't have priority over some hold that has been removed XXXX times prior I was told that they had priority over any check. This in not right. So it is my understand that a business can hold funds and the bank will set those aside over and over. Yet I cant ask them to do this for a check. Not right. I write a rent check to this person every month for years. It is my most important bill. How I can not do what these business do on my own account makes no sense. Then I asked B of A why they did this as I have never bounced a check in over XXXX years. They said I should check my account more. They told me they do not call customers or put checks on hold as they do online. After speaking with my family who are with B of A I believe they are not following the rules. That is why I am submitting this. 
",,Consent provided,Web,2015-05-29,Closed with monetary relief,Yes,No,CR1398204,143
2015-05-29,Credit card,,Billing disputes,,"Eagle National Bank HAS NUMEROUS FRAUD TRANSACTIONS ON MY XXXX ACCOUNT AND WILL NOT RECOGINSE PAYMENTS LARGE ONES I MADE. I HAVE DISPUTED PER FCBA AND WILL NOT COMPLY WITH THE ACT. THEY HAVE IGNORED AND STOLEN XXXX IN PAYMENTS. AND REPORTING FRAUD INFORMAITON 
",,Consent provided,Web,2015-06-02,Closed with explanation,Yes,No,CR1397046,6191
2015-05-29,Credit card,,Billing disputes,,"FIA is reporting a balance that is fraudulent and has arbitrary instead of removing the fraud transactions closed my account, this has caused me great harm and as such to put mildly the final straw 
",,Consent provided,Web,2015-05-29,Closed with explanation,Yes,No,CR1397055,3687
2015-05-29,Credit card,,Late fee,,"I would like to lodge a complaint against Eagle National Bank FIA Card Services! I was charged late fees on my CLOSED Visa credit card account due to a Eagle National Bank banking error. This has resulted in my account accruing late fees and being sent to Collection Agency. I have spent the past several months being bounced around to numerous departments in my attempt to get to the root and figure out what happened. I cut this card up in XXXX of XXXX therefore I knew it was not purchases by me. I was told that my account was "" charged off '' and there was nothing they could do about it. I have many Eagle National Bank employees tell me that they could see where it was their error but once it was "" charged off "" then it was very difficult and almost impossible to get this reversed. They said if I had called prior to the "" Charge off '' they would have taken care of the late fees but now they could not. I never received a monthly statement or a phone call from Eagle National Bank after setting up automatic monthly payments in XXXX. Prior to this if I was even XXXX day late with payments someone from BofA was calling me to find out if I would make a phone payment! The XXXX time I heard from anyone was XXXX months later in XXXX of XXXX from a COLLECTION AGENCY!!! By this time my account had already been "" charged off ''. My problems started back in XXXX of XXXX I received a call from an employee in the credit card dept and was asked if I wanted to make a phone payment. She asked me to set up automatic monthly payments to pay off the account that had a balance of {$980.00}. I agreed to this and she set up {$150.00} to come out of my checking account every month on the XXXX and was to continue until the balance was paid which was scheduled through XXXX of XXXX. This arrangement went fine for XXXX months then for whatever reason that can not be explained by Eagle National Bank, on XXXX XXXX due to an BofA banking error, the monthly draw came out XXXX day late on XXXX XXXX, XXXX instead of the XXXX, and a late payment fee was charged. The draws continued to come out automatically XXXX day late for othe next XXXX months and when what was supposed to be my last scheduled payment was made in XXXX of XXXX of {$120.00} there was apparently a balance remaining of these XXXX late fees totalling {$120.00} XXXX all of which accrued due to their banking error ). I was unaware of these late fees and in fact I had received a call in XXXX of XXXX from a Eagle National Bank employee who told me that I would only need to pay {$120.00} on my last payment versus the {$150.00} and my account would be current. I authorized this last payment of {$120.00} and never heard from Bof A again until late XXXX of XXXX. Eagle National Bank had sent my account to a collection agency and due to accumulation of XXXX more months of late fees, my supposed {$0.00} balance was now {$350.00}! I began my futile attempts in XXXX to get this problem resolved. I tried to find out where these charges came from on my card in XXXX of XXXX and the agent was only able to go back so far and not to XXXX therefore he was not able to check the statments to see where the charges came from. I requested copies of my statements and they agreed to send them to me going back to XXXX. I waited a month but never received these and had to call back in XXXX to see where they were. I was told that my requested had not been submitted to the proper dept. They submitted a request again and I finally received them in early XXXX, XXXX. When I saw that the late fees were not because of anything I did I asked for them reverse and they have denied it throught the escalations dept XXXX times!! XXXX 
",,Consent provided,Web,2015-05-29,Closed with explanation,Yes,No,CR1398465,1525
2015-05-29,Credit card,,Balance transfer,,"I applied for a balance transfer from my XXXX XXXX card to a Eagle National Bank credit card for an amount in excess of {$4000.00}. This was done and approved on XXXX XXXX, 2015. The teller assured me it would take XXXX days for the money to be transferred. After that time passed, I contacted EN and they said I was misinformed- that it would take between XXXX weeks for the balance to transfer from XXXX to the EN credit card. After XXXX weeks passed, I contacted EN again, because XXXX told me I was going to be reported, which will affect my credit. At that point, I paid the minimum due, to XXXX, to avoid my credit being affected. After talking to many people on the phone, at EN, I was finally told that there was an error, on their part, and that they had to re submit the application. I asked if there was any way to speed up the process because of my current situation with XXXX and their mistake. They told me there was nothing for them to do and I would have to wait. I waited, and XXXX reported me to the credit bureau. Finally, the manager at the Eagle National Bank branch, where I applied for the transfer, said she talked to the credit department at EN and the transfer would be expedited. It is now XXXX XXXX, 2015, and XXXX XXXX still does not have the money I owe them. I have called Eagle National Bank several times, with no answers to my questions and the only advice, to wait. My credit is dropping as we speak. XXXX actually said that Eagle National Bank should have deposited the money into my account, but when I approached them with this idea, they said they did n't have the authority to do that. I am now considering paying off XXXX from another bank account, which I did not want to touch, to avoid getting reported to the credit bureau again, which XXXX said would happen in a week. But I know EN will not be able to cancel the transfer and then XXXX would have to credit me money, once the transfer goes through. I do not know what to do at this point. 
",,Consent provided,Web,2015-05-29,Closed with monetary relief,Yes,No,CR1398467,10492
2015-05-29,Credit card,,Other,,"I made a settlement agreement with Target to settle a debt and they accepted. A payment was made and they cashed the check. Now Target is threatening to transferred the balance to a debt collector and began reporting the account to the credit bureaus as a charge off. 
",,Consent provided,Web,2015-05-29,Closed with explanation,Yes,No,CR1398539,811
2015-05-29,Credit card,,Payoff process,,,,Consent not provided,Web,2015-05-29,Closed with explanation,Yes,No,CR1398609,4125
2015-05-29,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2015-05-29,Closed with explanation,Yes,Yes,CR1398082,251
2015-05-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-06-02,Closed with non-monetary relief,Yes,No,CR1397032,2537
2015-05-29,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-05-29,Closed with explanation,Yes,No,CR1397576,522
2015-05-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,Other,Web,2015-05-29,Closed with explanation,Yes,No,CR1397427,1966
2015-05-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-06-02,Closed with explanation,Yes,No,CR1397254,2768
2015-05-28,Bank account or service,Checking account,Problems caused by my funds being low,,"I had a ck came in my acct for {$170.00} funds was low they paid it and charge me {$35.00} over draft fee, then XXXX foe {$9.00} came in when i already have an over draft they that and cause another {$35.00}. They paid a {$9.00} fee and charge {$35.00} which i think is a rip off because a few XXXX ago i had a ck for over {$100.00} came in, funds was not there that got return unpaid and charge me {$35.00}. also they charge me another {$35.00} because my acct was over for over XXXX days, i think thats double jeopardy. bk of Amer is the only bank that does that. i dont think the government should allow Eagle National Bank to continue to rip off consumers, also i was not aware that they would be an extra charge for being over draft fee after XXXX days. i contacted the bank and they refuse to reverse that exessive charges. Eagle National Bank have been doing grave in justice to consumers for years, they have charges that no other Bank has. They need to be regulated. Please investigate. thanks 
",,Consent provided,Web,2015-05-28,Closed with monetary relief,Yes,No,CR1396048,3586
2015-05-28,Bank account or service,Checking account,Problems caused by my funds being low,,"I had a savings & checking account with Eagle National Bank and the checking accounts have been closed due to negative balances. I have been trying to make this right because I use my savings account for everything and they are constantly charge me fees. I was told by them that because this account is used so often that the FTC would make them convert my account to a checking account. I wanted a payment plan and was told someone would contact me but this has n't happened but the fees keep coming. I believe they are not helping me so they can continue to collect these fees and for all the fees I have paid they could have been applied the fees to the balance I owe the bank. Please advise me as to why I have to continue to pay fees when the bank has n't complied with setting me up on some type of payment plan to resolve this issue. 
",,Consent provided,Web,2015-05-28,Closed with monetary relief,Yes,No,CR1396337,2496
2015-05-28,Bank account or service,Checking account,Problems caused by my funds being low,,"I have been hit with several exorbitant banking fees at Eagle National Bank making it extremely difficult to keep my account current. When I attempted to speak with an associate at my local branch, she informed me that the branches and customer service agents use a tool that restricts the amount of money they can refund. I was given the number for overdraft assistance and spoke with several representatives who informed me that the bank restricts the number of refunds they are allowed to give. I have been charged with over {$1000.00} in fees - {$35.00} on ever single overdrafted purchase over the course of several months - making it very difficult to keep my account current and get on solid footing financially. I would hope these customer service practices and bank policies that are anti-consumer to the core will be investigated. 
",,Consent provided,Web,2015-05-28,Closed with monetary relief,Yes,No,CR1395166,4306
2015-05-28,Bank account or service,Checking account,"Account opening, closing, or management",,"I personally have not opened a bank account with Eagle National Bank. I have not made any transaction on a Eagle National Bank account. I have not called or interacted with any representative of Eagle National Bank to open the account that has been reported with my name. There are no other accounts anywhere with my name other than this account that is currently being reported on the Consumer Report bearing a balance that is due which I had no knowledge of nor did I participate in incurring. I found out about this account when I went to Eagle National Bank inquiring on the opening of a XXXX Account. 
",,Consent provided,Web,2015-05-28,Closed with explanation,Yes,No,CR1395419,2408
2015-05-28,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"My wife wrote a check out of our XXXX account for {$1500.00} on XXXX/XXXX/15 and mobile deposited into our XXXX to pay off our car. On XXXX/XXXX/15, this amount came out of our XXXX account and was credited to our XXXX acct. We shredded the check after 30 days. On XXXX/XXXX/15, Georgia 's Own charged our account back {$1500.00} saying that the money was sent from XXXX to Eagle National Bank because they have the physical check. 

We have NO accounts with Eagle National Bank and there is no record that Eagle National Bank has tried to send this check to XXXX and our account has still not been credited back at XXXX since XXXX debited our account {$1500.00} on XXXX/XXXX/15 ( 1 week ago ). 

We have spoke with several people at XXXX and are told that the check cleared on XXXX/XXXX/15 and they have no info that a check was presented anywhere else. I believe that money is being embezzled or stolen because there is no other check, yet my {$1500.00} is gone. I have received copies of the cleared check from XXXX and it was deposited into XXXX and has my XXXX acct # listed on the back. 

My banks and I have spoken with Eagle National Bank and they are refusing to release information regarding this check that was sent over to one of their account. I am getting the run around because I was first said they needed to speak with XXXX and me, then XXXX and today they need written request from both banks. Both XXXX XXXX XXXX are sending written requests. This is either a clerical error or fraud and all I want is my {$1500.00}. Eagle National Bank should be willing to confirm whether or not they have a check so that my account can be corrected. 
",,Consent provided,Web,2015-05-28,Closed with explanation,Yes,No,CR1395202,189
2015-05-28,Bank account or service,Checking account,"Account opening, closing, or management",,"On XX/XX/XXXX I wrote a check to a man/company for tree trimming services. When I got home, my husband and I realized that the services were not rendered and called the company right away. They assured me they would be back in 4 days to complete the job. Me, kicking myself for writing a check too soon called EN immediately ( XX/XX/XXXX ) and spoke to a bank rep who advised me that even if the check was cashed, if the services were not rendered that I could dispute the check and get my money back. This made me feel great! I could allow the merchant to make the situation right and if they did n't EN had my back. Win win, right? Not! Well, needless to say, the company cancelled on us multiple time and never showed. I called EN to dispute my check, explaining the situation a XXXX time I was cold transferred to another agent to explain my situation for the XXXX time and she disputed the check. Each explanation included that I wrote the check and the services were not rendered. This agent advised me an adjuster would reach out to me but could n't give me a time frame. She escalated me to a manger and I again explained my situation for the XXXX time. He let me know when I would receive a call. I ended up missing the adjusters call and it took, yes 3 times of me calling and leaving messages before the adjuster called me back. She told me since it was not a fraudulent check there was nothing she could do and EN does not have a dispute process. Wait.. What? Why would so many before, including a manager hear my situation and still go through with it. I did n't buy it, so I went to my local branch. After spending some time with a banker there, he called someone who was n't able to do anything and also asked the manager for help and nothing they could do. Here I am, out {$550.00} dollars, countless hours on the phone with EN reps and in your branch and clearly you can come to my house and see services not rendered and EN is n't going to advocate for me! No doing the right thing or in any way trying to help out a customer now sitting in front of them completely distraught by the situation? I realized I was on my own and I was just a number to EN, my accounts meant nothing. I decided there, if EN did n't want to have my back, be my partner and help me then I needed to close my account. Now I have had a EN account since I was XXXX years old! Yes, XXXX! My savings account, I have had a check and credit card since XX/XX/XXXX. I am loyal customer who pays on time and is never late. I have had CDs and money market accounts all upholding my end of the deal. I was about to start in stocks and trading since my father raves about EN and that 's what he does. But no, no customer advocacy no loyalty from EN and I felt EN completely left me without any solution. All I needed was EN to help me with a check and instead I received false information multiple times and complete disregard for my situation from EN employees! 
",,Consent provided,Web,2015-05-28,Closed with monetary relief,Yes,No,CR1395471,844
2015-05-28,Credit card,,Identity theft / Fraud / Embezzlement,,"I opened B of A credit card and within a month I got unauthorized charges. My replacement card that was overnighted to me on XXXX was showing as received at my XXXX XXXX address. However, was never received by me at my address. Apparently it was activated from a phone other than mine using my security questions. Which means it had to be activated by a B of A employee. Within a day there 's been almost a thousand dollars of unauthorized charges. 
",,Consent provided,Web,2015-05-28,Closed with explanation,Yes,No,CR1395474,1487
2015-05-28,Credit card,,Billing statement,,"I received a cc statement on XXXX XXXX. Therefore, I made the {$290.00} payment on XXXX XXXX, which was due XXXX XXXX. Fidelity charged me a {$25.00} late fee because they said I can not make a payment the same day I receive a statement. Therefore, they said, I would have to make another payment of {$280.00}. In essence, I had to make XXXX payments in the same month. They refunded me the XXXX payment, but then, they told me, I would have to resend the same payment back in. Then, in for the XXXX XXXX statement, they increased my minimum payment, even though my balance was lower. 
",,Consent provided,Web,2015-06-01,Closed with explanation,Yes,No,CR1395680,2337
2015-05-28,Credit card,,Billing disputes,,"I was contacted by telephone XXXX XXXX, 2014 to setup a home business with a website to get income from click referrals to the XXXX site. The next day they called and I charged {$10000.00} on my credit cards to them for the following services : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX. The charge appeared on my credit cards from XXXX XXXX XXXX, XXXX. Which they said was their financial arm of their company. They then referred me to another company, XXXX XXXX, to get business credit. I had to pay XXXX {$2200.00} for the credit. Therefore XXXX did not provide the business credit the promised. On XXXX XXXX, XXXX I was contacted by them again saying there was a mistake in the charges and they would give me {$500.00} off if I helped them correct it. They wanted me to charge {$9500.00} to XXXX where it should be and tell my credit card company that XXXX XXXX XXXX did not provide any services did not provide any services so the charge would be reversed. I did this and they fought it with the credit card companies in order to get double payment. I was finally successful in getting the original charge reversed. XXXX XXXX XXXX XXXX has {$9500.00} of my money and I did not receive any services for the money. I have contacted credit card companies to remedy the dispute. They simply refuse to even allow me the opportunity to dispute. These companies drag you along until you are outside of your waiting period, guaranteeing you are sure to get your money back in profits. Please ensure that they open an investigation and remedy this situation. There should be an exception made for me as it is fraudulent in nature. I am already in connection with the Attorney General 's office, and they are assisting me on their end. Please help me advise the credit card company that for this purpose allow they should open the investigation. 
",,Consent provided,Web,2015-05-28,Closed with explanation,Yes,No,CR1395956,2990
2015-05-28,Bank account or service,Checking account,Deposits and withdrawals,,"I have never experienced a bank that "" pends '' cash deposits. I made a cash deposit into my bank ( Eagle National Bank ). The cash deposit took a day to clear. I then had a {$1500.00} check returned over a {$1.00}, although the cash deposit of {$100.00} was pending. 
",,Consent provided,Web,2015-05-28,Closed with explanation,Yes,Yes,CR1395063,3383
2015-05-28,Credit card,,Delinquent account,,"XXXX XXXX XXXX acct, Eagle National Bank should be deleted as they were paid in full over XXXX years ago and XXXX years ago charged off acct was a fraud acct and XXXX acct/XXXX was never late as they were ordered to change due date to the XXXX they took XXXX months to do that as the payments were made before the XXXX and XXXX acct was paid and closed over XXXX years ago never late delete this acct 
",Older American,Consent provided,Web,2015-06-01,Closed with monetary relief,Yes,No,CR1395334,2454
2015-05-28,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2015-05-28,Closed with explanation,Yes,No,CR1396083,1390
2015-05-28,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-05-28,Closed with explanation,Yes,Yes,CR1395507,2438
2015-05-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-05-28,Closed with explanation,Yes,No,CR1395512,118
2015-05-28,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-05-28,Closed with explanation,Yes,No,CR1395189,4674
2015-05-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"A personal check was made out to me and a XXXX party ( i.e. XXXX AND XXXX ). Eagle National Bank accepted this check with only XXXX signature and deposited it into the XXXX party 's personal bank account. 
",,Consent provided,Web,2015-05-27,Closed with non-monetary relief,Yes,No,CR1395391,2313
2015-05-27,Bank account or service,Checking account,"Account opening, closing, or management",,"Around XXXX in 2011 my account was reported for fraud i went through the process with u guys and everything the account went into investigation and the fees were paid out every thing was settled you guys closed the account and stated i couldnt get an account with Eagle National Bank at the moment but could with other banks. Later on the following year i was mailed a check to cash for XXXX that was what i had left i guess. So now im not understanding why cant i get an account with anyone. 
",,Consent provided,Web,2015-05-27,Closed with non-monetary relief,Yes,No,CR1394712,3550
2015-05-27,Bank account or service,Checking account,Deposits and withdrawals,,"Complaint is against Eagle National Bank, where I have checking account and bank debit/credit card. At times when I have MORE than sufficient balance $ $ to cover transaction charges, the Bank indiscriminately triggers a DECLINE to pay transactions. Example : XXXX a purchase at Target, slightly over {$400.00} XXXX there was around XXXX this held in the account ). The card was declined with NO warning, with NO explanation. Also, my daughter 's card was declined. My daughter needed to pay the bill with another business account, in a final ditch effort to end the capricious conflict. This resulted in extreme embarrassment, and measures that were aggravating and time-consuming to clean up the intervening mess ( while preparing a college graduation event with family coming from all over the country ). The bank should have NO indiscriminate right to deny payments to vendors when I have plenty of $ $ in the account to pay the bills. That is MY money, not the bank 's. 
ALSO, Eagle National Bank declines transactions when I am in another state, even though I live in a XXXX area ( XXXX, XXXX, XXXX XXXX and travel between them almost every day! They insist I post a 'travel ' note on the account, which has a temporary time frame. This is nonsense! Are we living in a XXXX XXXX world? The practices of the Eagle National Bank which abuse consumers and prevent them from using their OWN $ $ must be criminal in nature. The XXXX government surely can not condone such practices. Preparing to remove my money and close the account. What 's next? Stuff it in a mattress? STOP these consumer abuses by criminal banks. 
",,Consent provided,Web,2015-05-28,Closed with explanation,Yes,No,CR1393882,1906
2015-05-27,Bank account or service,Checking account,Using a debit or ATM card,,"Last year my ss number was stolen by a worker at XXXX XXXX tax preparation. XXXX one IRS identity fraud told me to call was my bank. Talked to manager and she did nothing. Now i have money stolen from my bank through my debit card and they wo n't give me my money back. Please help 
",,Consent provided,Web,2015-05-27,Closed with explanation,Yes,No,CR1393847,4725
2015-05-27,Bank account or service,Savings account,Deposits and withdrawals,,"My wife and I sold our house. At close, we received a check from the title agency, of the equity from our property. We endorsed the check, using my wife 's signature, and deposited it via ATM at a local Eagle National Bank branch. On the next business day, my wife called the branch to confirm that there will be no issue with the deposit. The branch agent confirmed emphatically that there will be no issue. However, Eagle National Bank ultimately rejected the deposit, claiming that a check of such great amount required XXXX of our signatures and that XXXX parties stated on the check as members on the bank account. The bank then lost control of the check as it circulated it through its internal return process. The bank could not tell us what happened to the check once it was rejected for deposit. The bank passed us through a labrynth of unhelpful customer service agents. We have gotten nowhere with the bank. All of this trouble is due to the bank branch simply not contacting us to request additional information and instead losing the check through its inadequate procedures. We remain without the equity from the sale of our home. This is money that we needed to buy a new home, and so our lives have been adversely affected by the bank 's negligence. Until this money is uncovered, we will not be able to honor our contractual obligations to purchase another property. There was no contingency for this problem in the contract, and so the seller may hold us in breach of contract. 
",,Consent provided,Web,2015-05-27,Closed with explanation,Yes,No,CR1395393,773
2015-05-27,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX XXXX, 2015, I took out {$100.00} from a private ATM and accepted an additional {$10.00} service charge. I was shortly notified by Eagle National Bank via text I had overdrawn my account and incurred multiple {$35.00} overdraft fees. After investigating my transactions I found that the ATM or private vendor had charged my checking account 7 extra times, accruing a total of {$880.00} with no cash distributed. I spoke with the owners of the establishment and they told me to take it up with my bank. I posted a complaint to Eagle National Bank and they immediately credited my account with the {$880.00}. On XXXX XXXX, 2015 the Bank informed me that they had found no evidence of fraud or issues and debited my account the {$880.00} and also not reimbursing the overdraft fee. After contacting the private establishment of the ATM again, stating I never requested that amount nor received the cash from the digitally claimed transactions. They informed me it was not their problem. 
",,Consent provided,Web,2015-05-27,Closed with explanation,Yes,No,CR1393618,2075
2015-05-27,Bank account or service,Other bank product/service,Using a debit or ATM card,,"When the new debit cards with the chip embedded on them are read on a pin machine with the chip reader, it automatically turns it into a credit card transaction, requiring a signature instead of the pin number, regardless if debit option was chosen. As a customer with Eagle National Bank, my debit card was replaced prematurely from it 's expiration date with this new feature. As an agent for a merchant using the chip reader, I know this means the bank will charge us more for the transaction as a credit card than as the debit. I have discussed this with both my bank, who states the chip is a new requirement and with XXXX XXXX, who handles our merchant services, who states it is the card issuing banks fault. This is another case of banks taking advantage of the client. 
",,Consent provided,Web,2015-05-27,Closed with explanation,Yes,No,CR1393710,4312
2015-05-27,Credit card,,Other fee,,"In XXXX my Eagle National Bank credit card was assessed an annual fee of XXXX dollars even though I had been a credit card customer in PERFECT STANDING since XXXX never having missed a payment nor ever being late on a payment. 
Eagle National Bank has targeted a small group of their credit card holders and punished them with annual fees even if they have never been late on a payment. The only choice they gave me was to either cancel my card or accept the annual penalty, in either scenario my credit rating would have been harmed even though I was never late on a payment. This seems unethical to me since I never did anything wrong with their credit card. I recently asked them to stop charging the annual XXXX dollar fee and they refused. Eagle National Bank has come up with a sinister method for raising the annual interest rate on their credit cards by imposing a XXXX dollar annual fee. 
",,Consent provided,Web,2015-05-27,Closed with explanation,Yes,Yes,CR1393243,1052
2015-05-27,Credit card,,Billing disputes,,"My credit card company, Eagle National Bank, did not protect me from a merchant who made fraudulent misrepresentation inducing me to enter into a transaction with them. 
",,Consent provided,Web,2015-06-03,Closed with explanation,Yes,No,CR1394037,2477
2015-05-27,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,Consent not provided,Web,2015-05-27,Closed with monetary relief,Yes,No,CR1394226,9616
2015-05-27,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,Consent not provided,Web,2015-06-04,Closed with explanation,Yes,No,CR1394036,3143
2015-05-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-05-27,Closed with explanation,Yes,Yes,CR1394826,1921
2015-05-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-05-27,Closed with explanation,Yes,No,CR1395365,9316
2015-05-26,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank reported me to the XXXX as a suspected fraud activity that had happen to my account which I did not know the check I was given was fraudulent. The company that I worked for went bankrupt and issued all the employees their final paycheck. I took the check I was given and deposited it into my checking account via atm thinking the check was good. When the bank processed the check they closed my account and reported me to XXXX for suspected fraud activity. Now I am forbidden to open any bank account for 7 years. I had no control over the pay check I was given cause I did not know the check was bad. I do not believe I should be banded from opening up a checking or even saving account from any other bank. 
",,Consent provided,Web,2015-05-26,Closed with explanation,Yes,No,CR1392351,2995
2015-05-26,Bank account or service,Checking account,Problems caused by my funds being low,,"Below is the text of the letter I sent to Eagle National Bank. My basic complaint is that B of A kept taking fees from my account without my knowledge. They had never sent me any type of statement to me. If I was aware they were taking fees out I would never have let it happen. I contend that they know of this deceptive practice just to make more money. I received a form letter back that just states that I never maintained a minimum balance. A slap in the face if you ask me. Can you help get my money back? 
Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX MI XXXXXXXXXXXX : XXXXMobile : XXXXXX/XX/XXXXEagle National BankXXXX XXXX FL, XXXXTo whom it may concernRe : Account number XXXXOn XX/XX/XXXX, I received a letter regarding an account that was being closed from being inactive. It could not be inactive because I had an automatic deposit for {$100.00} going into the account each month. I called the number on the letter and they said that this type of activity is not considered an active action. It seems strange to me. 

After further discussion I was shocked to learned that I was being charged a $ XXXX/month fee since XX/XX/XXXX for 21 months totaling {$520.00} without any notification. This started happening when my B of A mortgage was paid off. I faithfully paid my mortgage for ten years. The nice lady I talked to, XXXX XXXX, discussed with her manager XXXX XXXX regarding refunding my money but refused. XXXX mentioned that she reviewed all the correspondents sent to me regarding this account and could not locate any. 

I am very disappointed that Eagle National Bank was charging me this fee without my knowledge and am requesting the money be returned to me. I believe that it 's Eagle National Bank 's responsibility to notify customers of such fees when circumstances regarding an account change. 

To resolve the problem, I would appreciate a full refund in the amount of {$520.00} sent to me, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. Enclosed is a copy of the only correspondence I received on this account since the fees began. 

I look forward to your reply and a resolution to my problem and will wait until XXXX XXXX before seeking help from a consumer protection agency or the XXXX. Please contact me at the above address or by phone at : Home XXXX or Mobile XXXX. 

Sincerely, XXXX XXXXEnclosure ( s ) XXXX 
",,Consent provided,Web,2015-05-26,Closed with monetary relief,Yes,Yes,CR1391651,3299
2015-05-26,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Hi, I was told by Eagle National Bank that the {$55.00} foreign transaction fee placed on my account from buying airline tickets off an XXXX website in XXXX dollars was non-disputable. I am unhappy with this response, and it raises a XXXX questions:XXXX ) Why was my other {$0.00} foreign transaction fee able to be waived so easily over the phone? They say on the report that it was a "" business decision ''. I am certain that Eagle National Bank can make the same "" business decision '' to waive my {$55.00} fee as well. 
XXXX XXXX Other people who have had the exact same issue as me - buying airlines tickets and being charged a foreign transaction fee by Eagle National Bank - and got this fee refunded. 
XXXX ) How is my {$55.00} foreign transaction fee different from the above XXXX cases? Please elaborate. 

I know that Eagle National Bank has the ability to lift this charge. 

Thanks! 
",,Consent provided,Web,2015-05-26,Closed with monetary relief,Yes,No,CR1390980,5859
2015-05-26,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened an account with Eagle National Bank shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from Eagle National Bank informing me that my account was being closed due to fraud. I never committed an act of fraud. Eagle National Bank has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmful action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with Eagle National Bank for the past XXXX years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX directly but they report that Eagle National Bank is standing by the fraud claim with no evidence to substantiate the claim. 
",,Consent provided,Web,2015-05-26,Closed with non-monetary relief,Yes,No,CR1391642,774
2015-05-26,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened an account with Eagle National Bank shortly after my XXXX XXXX in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from Eagle National Bank informing me that my account was being closed due to fraud. I never committed an act of fraud. Eagle National Bank has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmfull action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with Eagle National Bank for the past 3 years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX XXXX directly but they report that Eagle National Bank is standing by the fraud claim with no evidence to substantiate the claim. 
",,Consent provided,Web,2015-05-26,Closed with non-monetary relief,Yes,No,CR1391639,3850
2015-05-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,"On Saturday, XXXX XXXX, 2015 I deposited a money order in the amount of fifty-eight ( {$58.00} ) dollars at XXXX. As of Tuesday, XXXX XXXX, 2015 my check has not cleared. Even though it was a national holiday, banks do not close and continue to operate. Why are they holding my meager funds? 
My other concern is that the Eagle National Bank automatically transfers XXXX ( {$25.00} ) from my checking account to my savings account on the XXXX of each month. I had to agree to this transaction to benefit from certain services. The truth is Eagle National Bank wants to use depositor 's money to comply with "" safe funds '' regulations established by the federal government. 
My last concern is that my deposit slip from Saturday ( XXXX XXXX, 2015 ) has an erroneous date of "" XXXX XXXX, 2015. "" How is it that the corporate name ( Eagle National Bank ) is guilty of malfeasance and not the names of individuals at the helm of the bank that are responsible for wrong doing and not labeled as felons? 
",,Consent provided,Web,2015-05-26,Closed with monetary relief,Yes,No,CR1391399,2735
2015-05-26,Credit card,,Billing disputes,,"I had credit cards stolen out of my lost wallet.I reported cards stolen within XXXX. I had a total of XXXX credit cards in my wallet. XXXX of which were Eagle National Bank. The other XXXX had charges but were denied by XXXX, XXXX, XXXX Bank. I was called and questioned about charges and asked if I had my drivers license. I answered yes because I had to get them replaced. They said my license was used in purchase so they were going to deny me and make me responsible for charges. I continued to pay the debt left on card before they were stolen. Once balance was paid I refused to pay charges from the fraudulent charges to my card. They have continued to run down my credit score. I need some help stopping this. 
",,Consent provided,Web,2015-05-26,Closed with explanation,Yes,Yes,CR1391877,820
2015-05-26,Credit card,,Payoff process,,"I have a Eagle National Bank Visa card. I had a balance of approximately {$18000.00} at 16 % interest I used the remaining available credit for a balance transfer offer ( 18 months zero interest 4 % transaction fee ) Now the bank is telling me that my minimum monthly payment goes first to pay down the principal of the lowest interest. In fact my payment does not even go first to pay the interest I 'm being charged on the high interest balance, that interest is being added to my principal each month. This is a deceptive practice. Please help. Payments should be applied first to interest being charged on an account, then to the balance subject to the highest interest rate. 
",,Consent provided,Web,2015-05-26,Closed with explanation,Yes,No,CR1390861,3388
2015-05-26,Credit card,,Credit determination,,"I have received multiple invitations to apply for a credit card through AAA XXXX XXXX XXXX New York Visa Signature. The review was performed by Eagle National Bank. I received a decline notification in the mail stating they were unable to approve my request because I had a current or past delinquency on my account ( XXXX ) with EN or their affiliates. I was stunned and immediately pulled a free copy of my credit report from XXXX. XXXX was used by EN to assess my credit worthiness. After pulling my report, my report confirmed NO POTENTIAL NEGATIVE and I had XXXX ACCOUNTS IN GOOD STANDING. I also reviewed every single account status on my XXXX page XXXX Credit Report which again confirmed for each account listed : PAID CLOSED NEVER LATE or OPEN NEVER LATE. I even assessed the payment history listed for each account on my report which again did n't show anything derogatory. I attached a copy of the decline notification I received from EN along with my report summary from XXXX confirming "" XXXX Potentially Negative ''. I am honestly insulted and concerned by EN actions. 
",,Consent provided,Web,2015-05-26,Closed with explanation,Yes,Yes,CR1391001,3381
2015-05-26,Credit card,,Delinquent account,,"I originally opened up a XXXX Credit Card offered through my bank "" XXXX XXXX XXXX XXXX XXXX ''. This account was opened in XX/XX/XXXX through XXXX XXXX XXXX XXXX XXXX as a member of the credit union. At some time thereafter, XXXX XXXX XXXX XXXX XXXX discontinued their offering of this XXXX Credit Card. In XX/XX/XXXX, I was notified by XXXX XXXX XXXX , XXXX representing Eagle National Bank requesting payment that was owed to Eagle National Bank. I had never been notified that my XXXX Credit Card was transferred or bought by Eagle National Bank as I was notified by our bank XXXX XXXX XXXX XXXX XXXX that they no longer will be offering the XXXX Credit Card. Nor did I ever receive a statement from Eagle National Bank requesting any payment owed on this Credit Card. At the time of the discontinuance of the credit card by XXXX XXXX XXXX XXXX XXXX, I had paid off all debts through that Credit Card. In an effort to bring this matter to a close, I came to an agreement with XXXX/Eagle National Bank where we agreed to a full settlement payoff of {$100.00} ( settlement letter dtd XX/XX/XXXX ). The issue is that this incident is showing up on my and my spouse 's CREDIT REPORT as a "" SERIOUS DELINQUENCY ''. I ask that this incident which was paid off in agreement in the amount of {$100.00} be removed from my credit report. I contacted Eagle National Bank directly to ask that they remove this incident from my credit report but they said that I would need to file a complaint through the XXXX Credit Bureaus for them to consider and they referred me to the XXXX credit reporting agencies which they then referred me to your website as they could n't address my request to have this incident removed from my credit report. 
",,Consent provided,Web,2015-05-26,Closed with explanation,Yes,No,CR1392523,4814
2015-05-26,Credit card,,Billing disputes,,"Over XXXX years ago my wallet was stolen. I had XXXX credit cards in my wallet XXXX of which were Eagle National Bank. I reported all credit cards stolen within XXXX. All other charges were dropped but from Eagle National Bank. I spoke with someone on the phone and was told since they had copy of my license I would be responsible for fraudulent charges. I continued to pay the balances I had prior to fraudulent charges. Once they were paid off I told them I did n't feel I should pay for fraudulent charges. 
",,Consent provided,Web,2015-05-27,Closed with explanation,Yes,No,CR1391878,1809
2015-05-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I apply for a loan at Eagle National Bank on XXXX/XXXX/15. Which my info was send out to a processor. which whom send me XXXX email. I have call a couple of time to speck to the processor, left message and no return call. I kept call for a week when I finally spoke to someone who told me that the XXXX processer was on leave of absence, and that she was my new processor, with all the calling done by myself. The processor then told me that I would have to resend all the paper work that, I send to the previse processor again, because she wouldnt looking trough the email to get the info, I have to send it again. This is know XXXX week pass the time that I start the loan process. the next weekend a email was send me asking for another set of papers, asking me to submit then before the end of the day. I left work and when into the bank to send off all the info that was ask of me. Everything that was ask of me, was send to the processer on that day. Which then I receive a call from my processer on Monday morning asking me again for the same info that I send to her on the Friday. Which I had to call the bank the same bank that she works for to send the information again. When I spoke to the processer that day I ask if anything else was need of me, then she ask me for a couple more paper work. if I had not ask for this, how long would she wait to ask me for the paper work. Everything that was ask of me was send to the processor and I still receive no information form her on when the appraise, would be done, which as already been charge to my account of XXXX/XXXX/15 in the morning with an email at XXXX that appraise would be scheduled, and I would be contacted on the day and time. On Friday the XXXX/XXXX/15 I call the processor at about XXXX to tell then that I wanted to cancel the loan because, with the way that there where going my closing date on the house XXXX/XXXX/2015, would not be meet on time. She then inform me that she will send me an cancellation email. Nothing was send to me from her so I send her and email on Saturday XXXX at XXXX, asking about the cancelation email, and still again nothing. On Tuesday XXXX XXXX/XXXX/15 I send out another email to her, which then there was a respond tell me to call the loan agent at the bank for information. I call the loan agent which then info me that I will be change for locking the interest rate. I should not be charge for work that is not done on a timely manner that is not fair to the customer. How can you charge some one for a process that is frustrating and infection, with a lack of communion. 
"" When I signed the purchase contract for the property I committed to certain legal obligations such as meeting terms. As per contract I have the obligation to provide a loan commitment in a timely manner, and after almost a month of this lender having my loan file in process, it has not been provided. 

I am very dissatisfied and I do n't take the charge of unjust fees lightly. Eagle National Bank should not take advantage of inexperienced first time home buyers like myself, who act in good faith and sign the necessary documentation to help have a smooth process. I believe I have the freedom to look for appropriate lending services if this lender did n't do its job without being penalized for it ''. 
",,Consent provided,Web,2015-05-26,Closed with explanation,Yes,No,CR1391416,1077
2015-05-26,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-05-29,Closed with non-monetary relief,Yes,No,CR1391171,7434
2015-05-26,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-05-26,Closed with explanation,Yes,Yes,CR1391460,5441
2015-05-26,Credit card,,Other,,,,Consent not provided,Web,2015-05-29,Closed with explanation,Yes,Yes,CR1391779,5774
2015-05-26,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-05-26,Closed with explanation,Yes,No,CR1391643,2783
2015-05-26,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-05-26,Closed with explanation,Yes,No,CR1391176,2568
2015-05-25,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I got a new Eagle National Bank credit card. I went into my Eagle National Bank on-line bill pay and paid the complete balance by the due date. On the next billing cycle of my credit card, the statement says I never paid and it charged me late fees and interest. I went back into the online bill pay and it says Eagle National Bank cancelled the payment to pay off the credit card. I talked by phone to a Eagle National Bank rep and he just had no idea about what happened and told me to just pay off the balance including the late fees and interest. 
",,Consent provided,Web,2015-05-25,Closed with monetary relief,Yes,No,CR1390536,13694
2015-05-25,Credit card,,Late fee,,"Eagle National Bank keeps charging me late fees after many attempts to be able to pay online. I sit on hold and just get hung up after the techs can not figure out what 's going on forcing me to pay over the phone. 
",,Consent provided,Web,2015-05-25,Closed with monetary relief,Yes,No,CR1390724,5333
2015-05-25,Credit card,,Closing/Cancelling account,,"In early 2013, I called Eagle National Bank to inform them that I will not be making a payment that month and that I would like to close the secured credit card account. The funds would 've covered the entire outstanding balance due and the remainder of such should 've been refunded to me as I was informed by the representative. To add insult to injury, additional interests and fees were assessed to the account until it was "" charged off ''. I came to know that the account was never closed as requested when I recently ran my credit report. I have made numerous attempts so that the situation could rectified to no avail. 
",,Consent provided,Web,2015-05-25,Closed with monetary relief,Yes,No,CR1390623,1758
2015-05-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Other,Web,2015-05-25,Closed with monetary relief,Yes,No,CR1390745,3352
2015-05-24,Credit card,,Billing disputes,,"I have had a XXXX XXXX for many years. I have also had an automatic payment withdrawn from my checking account for years after signing an agreement with the credit card company. Earlier this year I made a substantial purchase using a low interest propmotional check. XXXX billing cycles later I received notice that my account was overdue and I was charged a late payment fee. Customer service informed me that I would have to fill out a new automatic payment form which I did but not without complaint since I already had the automatic payment on my account.. They did drop the late fee. The next month, in XXXX of 2015 I made a telephone payment. At the time I asked the customer service representative if the auto payment would be in effect for the next billing. I was assured it was. On XXXX XXXX, 2015 I received a telephone call from a XXXX representative informing me that my account was overdue and was being turned over to collections. I informed the representative that I had auto pay. She stated that my auto pay had been discontinued because I had not used the card for a few months. She was courteous but unresponsive. When I asked her when the payment was due she informed me that it was due on XXXX XXXX, XXXX days previous. It was at this point that I asked to speak to a supervisor. She seemed disappointed which led me to believe that she was working on commission. The supervisor stated that due to a recent "" conversion '' they were having problems with their automatic payments. She adjusted the late payment fee stating it would be removed from the account balance.She told me I would be required to send in another form for auto pay. I had an automatic payment large enough to pay off the purchase before or soon after the promotional rate expired. I believe XXXX is purposely violating the auto pay agreement in order to nullify the low promotional rate. In all the years I have had this card I have never had a late fee. 
At present I am not sure weather I still have the promotional rate or not. 
",,Consent provided,Web,2015-05-28,Closed with explanation,Yes,No,CR1390432,5
2015-05-24,Credit card,,Identity theft / Fraud / Embezzlement,,"In XX/XX/XXXX, I invested in a website and lifetime hosting set up through this company : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX. 
I was convinced to also invest {$7500.00} for leads in their special campaign in which their agents would contact the small businesses and assist them in obtaining authorization for credit card use. I would receive an agent percentage of the profit of each business transaction. 
With advice from a friend, I cancelled my contract within XXXX business days and called my Eagle National Bank credit card, XXXX, to dispute XXXX charges, {$7500.00}, {$490.00}, and {$250.00} due to possible fraud. 
Eagle National Bank aka XXXX Bank responded with a request for more information on XX/XX/XXXX. With the added information, they indicated that it would take some time to resolve the dispute. On XX/XX/XXXX, the customer advocate in the fraud department wrote that BofAm was "" not able to process a fraud claim regarding the transactions on your credit card account. As a result, we will not be taking any further action regarding the transactions at this time, and you will be held responsible for the charges ... ... Our customers depend on us for the highest level of customer satisfaction, and we are committed to providing the superior service you deserve and expect. '' 
",Older American,Consent provided,Web,2015-05-28,Closed with explanation,Yes,Yes,CR1390413,4336
2015-05-24,Credit card,,Billing disputes,,"It 's unscrupulous and dishonest : Eagle National Bank emails me a credit card statement on XXXX XXXX, 2015 for the previous billing period. I schedule a transfer for XXXX XXXX, 2015 for an amount of {$25.00}, taking care of the minimum payment of {$25.00}. The transaction is posted under both my bank/checking account and my credit card account on XXXX XXXX, 2015 ... .The next statement date comes and I receive a statement, on XXXX XXXX, 2015, saying I am past due. I call Eagle National Bank, XXXX, and get a very terrible, lackluster response : "" timing is everything ... '' and they say that 'the payment was made on XXXX XXXX, 2015 so this counted towards the period before and not the period in question. ' However, as I stated, online you can select the transactions on a drop-down menu to show what took place in what period ... The payment of {$25.00} is clearly placed in the XXXX period and it is dated as XXXX XXXX, 2015. The fact of the matter, now, is that I 'm not too intrigued by Eagle National Bank 's questionable reporting practices and their clear lack of a good -- not necessarily favorable -- but good response to the matter ( XXXX that makes sense ). At this point, yes I would like it resolved, but honestly, I would really like this matter to be looked into further for fines and penalties from regulatory agencies : I receive their bill on XXXX XXXX, 2015 and pay on XXXX XXXX ( or even on the XXXX somehow like they state ), and get punished for doing so. There is a clear discord among their system that is tremendously unfair and misleading to their customers. 
",Servicemember,Consent provided,Web,2015-05-24,Closed with explanation,Yes,No,CR1390461,4755
2015-05-23,Bank account or service,Other bank product/service,Deposits and withdrawals,,"I have got a complaint from XXXX of our employees that Eagle National Bank has refused to cash XXXX of our payroll checks to him because he does n't have a personal account with them. I wanted to make sure that 's its true. I went myself to cash my personal check at their XXXX XXXX XXXX XXXX XXXX location on XXXX ( I do not personally bank with them but my company does ) I provided XXXX valid IDs and the account of course if full of cash, they gave me some bogus reason that they do n't have the signature in their computer system to compare with the check I am cashing, I asked if they can call to verify if the check is true or speak to a manager. their answer was Nothe Manager refused to speak with me and basically they refused to cash my own company 's money to myself. 
Now I have the power to change banks and I will, because I want my employees treated well, and not be refused to talk to ... 
but not many other people have that luxury! 
Refusing to give people their own money is wrong. they are n't protecting me, they are wasting my time, my employees ' and someone that worked XXXX hours the past XXXX weeks is n't eating this weekend ... 
",,Consent provided,Web,2015-05-23,Closed with explanation,Yes,No,CR1390311,5277
2015-05-23,Bank account or service,Checking account,Problems caused by my funds being low,,"I opened a Eagle National Bank account in XXXX for {$25.00} and was going to use it as a backup account. I had forgotten, until today when I received a statement from them showing I owed {$23.00}. Having never used the account I was curious what occurred. I called and they informed me the per the terms and conditions they fee 'd the account several times. I asked them to reverse the fees and close the account. They refused. I believe this is happening to XXXX of other citizens I spoke with XXXX XXXX and XXXX XXXX on XXXX XXXX. The stated the account had been access an {$11.00} fee XXXX times and I had gone from a positive balance of {$25.00} to a negative balance of {$23.00} and per the terms and conditions they could and would continue to fee the account. This means they made {$48.00} from an account with no activity. Again, this practice I feel is highly deceptive unles you read the XXXX point font on their XXXX page agreement you will find that they will fee you. That information needs to be very clear at the front and they should notify their customers if and when they would ever access a fee of this type giving them the opportunity to close the account or fund it to a level that would be adequate. This was never done. I 'm sure Eagle National Bank is earning XXXX from this policy which becomes a tax, especially on low income earners. 
",,Consent provided,Web,2015-05-23,Closed with monetary relief,Yes,No,CR1390277,4319
2015-05-23,Credit card,,Billing statement,,"I obtained a Target Red Credit Card about 3 years ago. In XX/XX/XXXX, I stopped using the card after noticing high interest rates, hidden fees, can not view a copy of your receipt or billing statement XXXX it does not show actual line item purchases, just the sale total ), the running total is not accurate and other hidden charges. If you lose your receipt, you can not dispute these charges or show proof of purchase on a warranty and Target deliberately does this, hoping the customer will lose their receipt so that they can continue to hide hidden fees on their Redcard Statement and do not have to honor a warranty. They will not assist you in locating the purchase either. I purchased a XXXX XXXX vacuum that broke. When I contacted Target to assist me in getting a copy of my receipt, I was told if I did not know the date of purchase, the exact amount of the total purchase or the price of the item they could not help me, although I provided them with the information from the item. I complained to Target 's main office and the BBB, but Target basically stopped cooperating. The card has a line of credit for {$1500.00} the balance in XX/XX/XXXX Target claimed was {$1400.00}. Since XX/XX/XXXX, I have paid between $ 100- {$120.00} per month for a total of {$1200.00} to date or XX/XX/XXXX. My balance therefore should be {$370.00}. Just like XXXX, Target is ripping off their customers and the public. 
",,Consent provided,Web,2015-05-23,Closed with explanation,Yes,Yes,CR1390329,2413
2015-05-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I am fortunate enough to have enough money that I never need to carry a credit card balance and pay interest, so I have instructed BofA via automatic bill payment software on-line to pay the full amount due from my checking account to my credit card. I was surprised when I checked my account last night and saw that the XXXX XXXX payment was actually not in full, but instead was only the minimum amount due. At first I thought I must have been mistaken - maybe I had not set the payment to be the total amount due, but I was pretty sure I had done so. When I called to inquire, I was informed by a representative that my payment instructions had "" been adjusted on the back end '' because I had disputed a transaction. In other words, BofA software automatically altered my payment instructions. Their rational is that this protects me from making a payment that I should not have to. I pointed out that the result of their action was they were charging me interest on a credit card balance that should not have occurred. They were apologetic and reversed the finance charges after an hour on the phone, and conversations with XXXX representatives ( bank, bill payments, credit card ). They were aware that this 'feature ' in their software was causing "" some issues '' with customers. On further research, I learned that the bill payment software had "" adjusted on the back end '' my payment instructions 4 times in the last 5 months, resulting in finance charges each time. At no time did they inform me they had done this. Thinking back on it, I thought each time that I must have messed up some how and shrugged and went and paid the finance charges. But think about it : there are probably hundreds of thousands, if not millions, of people just like me who thought they instructed the bank to pay their credit card balances in full, only to have the bank "" adjust the payment on the back end '' WITHOUT INFORMING THE CLIENT, resulting in a finance charges in favor of the bank. They know this is happening, they know it is upsetting some clients, but they do not inform the clients of the adjustment or offer to repay the finance charges unless the clients call in and argue about it. BofA is probably netting millions or tens of millions a year in ill-gotten finance charges as a result. 
",,Consent provided,Web,2015-05-22,Closed with monetary relief,Yes,No,CR1388783,741
2015-05-22,Bank account or service,Checking account,Deposits and withdrawals,,"I am so tired of Eagle National Bank and their way they do banking - fed up beyond belief ... you can not imagine my frustration - I 'm done with you guys unless you refund those fees at once. This is the XXXX time in 6 months that I have to lodge a complaint. When I awoke yesterday morning ( Thursday ) my account had gone in the negative by {$8.00} or so. At approximately XXXX XXXX or so I transferred the difference from my business account to bring me to a XXXX balance ( well within the XXXX XXXX cut off time ). As I now work night shifts, I checked my account several times, including at XXXX where the balance was {$0.00} just where I left it. At XXXX XXXX my direct deposit went through and after a transaction I had {$830.00}. Did n't feel the need to check it again but did before I went to sleep ( which should 've been XXXX minutes ago ). What I saw caused my blood to boil and frustration is thru the roof - Eagle National Bank charged me XXXX - in the total amount of {$70.00}!! I know the bank is doing things different because my roommate is going thru this exact same thing with his account ( which he too lodged a complaint ). I am taking this to social media next - this can not be the way to keep your customers - I have been XXXX for just under 10 years and am completely fed up! 
",,Consent provided,Web,2015-05-22,Closed with monetary relief,Yes,No,CR1388426,5385
2015-05-22,Bank account or service,Checking account,Deposits and withdrawals,,"I received a text from my bank today ( XXXX ) advising that my account has been frozen due to suspicious activity. I contacted them to learn that someone charged my card on XXXX in the amount of {$50.00}, and then again today XXXX in the amount of $ XXXXThe charge is listed to XXXX XXXX and I do not even have a XXXX account. My bank cancelled the card immediately, and I filed a fraudulent claim for the {$25.00}. The bank already reversed the charge for {$50.00}. 
When I looked inside my account I saw a number XXXX as the number related to these charges! I entered that number into a XXXX Search and it turns out that this is apparently some sort of widespread scam for which I appear to be a victim. 

Make sure your account is monitored at all times. File a fraudulent claim with your bank asap, and cancel the card that has been compromised. 
",,Consent provided,Web,2015-05-22,Closed with monetary relief,Yes,No,CR1389860,4167
2015-05-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"On XXXX XXXX 2015 I submitted a {$1200.00} payment to my XXXX XXXX XXXX XXXX credit card, through the online banking service of my Eagle National Bank checking account. 
As of XXXX XXXX, despite XXXX lengthy telephone calls ( starting XXXX XXXX ) to multiple departments at both institutions, the payment has not been credited. XXXX states their credit card department did not receive the credit ( which BofA sent electronically ), Eagle National Bank states they sent the funds but XXXX does not want to acknowledge it. 
I have been unable to obtain ANY documentation inherent the transaction, ex. what institution, routing code, corporate receivable account, batch reference tracer code, etc. nor a written acknowledgement of my claim by either of the XXXX institutions. This despite my repeated requests for formal acknowledgement. During the multiple conversations I understood that the payment, which I had instructed BofA to send to XXXX post office box, was processed electronically and sent to XXXX as the processor for XXXX. 
On XXXX XXXX I was "" conferenced in '' with representatives of XXXX financial institutions, BofA Escalation Team and XXXX Claims, who promised to "" investigate '' but refused to supply any information. 
",,Consent provided,Web,2015-05-22,Closed with explanation,Yes,No,CR1389048,1892
2015-05-22,Bank account or service,Checking account,Using a debit or ATM card,,"Good Afternoon. I would like to file a complaint with Eagle National Bank as I have been experiencing many issues with my Checking Account. My account was compromised, there were unauthorized ATM withdrawals in New York, a fraudulent mobile deposit in my account. I have been contacting Eagle National Bank since Monday, XXXX regarding this matter and it has yet to be resolved. I was misinformed by several representatives as to what actions that I need to take. I was informed yesterday, after 4 business days that I needed to go into a local branch to file an Affidavit for the fraudulent mobile deposit. I was told by the branch that I did not have to sign anything as information is submitted electronically. A representative was very fresh on the call with me stating that she was not sure why a representative had not informed me that I have to sign an Affidavit. I was also informed that the branch would give me a copy if the fraudulent check that was deposited which, yet again I was misinformed. The branch provided me with a blank copy as they were unable to see anything. Throughout this whole complaint I filed, I have been treated as if I am the criminal, not the victim, constantly being questioned about the fraudulent withdrawals. My fianc lost his debit card and I am not sure how anyone was able to make those transactions. If my account was really looked into, it will reflect that I have never made that many withdrawals at XXXX time and I hardly ever use a mobile deposit. This is my checking account that has been blocked from any deposits, etc. I am not able to pay any bills or making any deposits, this concerns me as I am getting married next month. The bank has done nothing but question me or be accusatory and tell me to wait. Whoever deposited the check and withdrew money from account apparently has more protection than I do. Where are my rights as a Consumer?? I could see if there was a pattern of fraudulent activity in my account, however there is not. I receive Direct Deposit by my Employer bi-weekly and make the same deposits and pay the same bills every month. I am really not sure what to do at this point as the bank does not seem to value me as a Consumer, perhaps if I was a wealthy account holder things would be different, 
",,Consent provided,Web,2015-05-22,Closed with explanation,Yes,Yes,CR1388347,2399
2015-05-22,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-05-22,Closed with explanation,Yes,No,CR1388915,1661
2015-05-22,Bank account or service,Checking account,Problems caused by my funds being low,,,"Older American, Servicemember",Consent not provided,Web,2015-05-22,Closed with explanation,Yes,No,CR1388505,3197
2015-05-21,Bank account or service,Checking account,Using a debit or ATM card,,"All joint accounts with EX-spouse were requested closed at Eagle National Bank. We had to request and sign together at local branch in NH. The joint checking, savings and home equity account were closed. However, EN says they left open a overdraft protection account associated with the joint checking account that was closed. I did not have an existing overdraft account to my knowledge. I had XXXX in XX/XX/XXXX but it was closed several year later by EN for late payments. 

Two years later ex-spouse began drawing on overdraft protection account by accessing funds through ATM. Ex-Spouse did not make payments and EN began collection activities from me. Local branch managers with EN agreed with me that I was not responsible, but home office would not. I requested proof, my signature, anything showing me as joint owner on this account, and have received nothing. 

I have not had any bank account or credit card from EN since XX/XX/XXXX 
",,Consent provided,Web,2015-05-27,Closed with non-monetary relief,Yes,No,CR1386689,10159
2015-05-21,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX/XXXX/15, I deposited a {$5000.00} check using the Eagle National Bank mobile app. I received a notice that the money would be available that day to cover checks and the next business day for cash withdrawal. Later that day, I scheduled a credit card payment to XXXX for {$4700.00}. The next day I received a notice telling me that the funds were going to be held and they would not be available. I then received a notice telling me that my account was overdrawn because they had held the deposit funds and deducted the credit card payment. Next I received a notice stating : "" There were not enough available funds in your account to cover the transactions listed below [ {$4700.00} ] as of the date of this notice. Your account balance was {$5500.00} after we processed these transactions ; this includes fees shown below ... Check Number/ Debit Type - Electronic payment. Amount - {$4700.00}. Action Taken - Returned. Fee Charged - {$35.00}. "" The absurdity of the above is clear just from reading it. The bank told me the funds would be available on a certain date, changed that date, and refused to cover the check based on that date. Furthermore, even their notice makes no sense. They returned a check for an amount less than the balance they provided in that same notice. The bank has since refunded the {$35.00}, but their behavior is unethical and caused damage to my relationship with XXXX Bank due to the returned check and may result in a returned check fee from them. 
",,Consent provided,Web,2015-05-21,Closed with explanation,Yes,No,CR1386261,4376
2015-05-21,Credit card,,Delinquent account,,"Dear Sir/Madame, During period of XXXX to XXXX, I had an account with Eagle National Bank ( EN ) and also had an associated Credit card with them. I have been very disciplined with my financial affairs to date and never had any history of even late payments towards any bills. I left XXXX for good in XXXX, to my home country as my working visa got expired. Also I closed my EN accounts in XXXX XXXX. 

As per my understanding, the associated credit card also would have got closed.There was absolutely no indication from the bank that the Credit card needed to be closed separately and that it does not go along with closure of my main bank accounts. However, it looks like it did not happened. 
An auto renewal cost from XXXX got applied to my credit card on XXXX XXXX which was quite unexpected since i had already sent in a request for closing the account with XXXX and received an email from them clearly stating that it had been closed way back in XXXX XXXX. 
Worst case being that i was unaware of this charge to my credit card since, the credit card statement was NOT Paperless and all intimation regarding the pending payment could not reach me, as I was out XXXX. Also, as my account was closed, I was not in a position to check the account status online. 

Now, I came back to XXXX on XXXX XXXX and opened up new Account with EN. To my surprise, I see that there is a pending credit card payment of {$340.00} charged on me - towards Annual Payment charges and late fees. 

My contention is that, these charges being baseless and also, there was NO way I would have been aware of them, I am in no way to be considered as a "" defaulter ''. Furthermore, there was no communication through email about any of these charges. Now, it has effected my credit report also very badly leaving me in no position to apply for a credit card or any other financial services from any bank for absolutely no discrepancy from my side. 

Talked couple of times with EN Credit department, but as per them they could not help me in the matter.In the context I would like to seek following help from your end : 1 ] Reverse the pending charges and payments, for the reasons stated above and hence am not liable for the issue. 
2 ] My Credit Report needs to be refreshed by withdrawal of reported "" default payments ''. 

Thanking You, Yours Sincerely XXXX 
",,Consent provided,Web,2015-05-21,Closed with monetary relief,Yes,No,CR1386578,960
2015-05-21,Credit card,,Billing disputes,,"Hello, I applied for and received a secured Eagle National Bank Visa in XXXX, 2014. 
That month, I was charged an annual maintenance fee of {$39.00}. I had no idea that the annual maintenance fee would be charged the same month as the opening of my account. 
I did n't charge anything on this card for several months so there was no need for me to check my balance. 
I had no idea that the annual fee had been charged to my account and as a result, since I was n't using the card, I did n't make any payments. 
In XXXX, I realized that my account was in default due to the annual payment charge and I immediately paid the entire amount. Now, all XXXX credit bureaus are showing a past due entry of XXXX days. 

I have attached a copy of my credit card agreement from Eagle National Bank which outlines the stipulations that I had to agree to in order to obtain the card. The {$39.00} annual maintenance fee is mentioned, However there is NO mention at all of the date when the annual fee is supposed to be charged. Nothing at all. 

If there are consumers such as myself who receive a card and do not make charges, it is only logical that they would assume that there are no payments due on their card. The agreement says absolutely nothing about when to expect the annual fee to be charged. It should at least say that the charge will appear "" X '' days after the card is approved in order to give the consumer a head 's up. 
I would like the "" Late Payment '' remark removed from all XXXX credit reporting bureaus. The date that the charge was going to be made should have clearly been included in the Eagle National Bank credit agreement. 

Thank you very much for your time, XXXX XXXX 
",,Consent provided,Web,2015-05-21,Closed with monetary relief,Yes,No,CR1386315,97
2015-05-21,Credit card,,Transaction issue,,"XXXX XXXX, 2015, while making reservations for my husband and I to travel to XXXX XXXX and XXXX online, I made a reservation for a flight between XXXX and XXXX. The flight reservations were made using using the XXXX search engine which transferred me to XXXX, who made the reservations on XXXX Airlines. After making of the reservation using my XXXX Airlines Eagle National Bank card, I received an alert in my email from Eagle National Bank. I phoned Eagle National Bank and was informed that they had declined the purchase because it looked suspicious. I advised to make the reservation again. I tried to make the reservation again, assuming that the XXXX was cancelled due to being declined. The XXXX site would not process my request because of the earlier reservation. So I used XXXX to book a XXXX XXXX flight from XXXX to XXXX. When the flight had been confirmed I made a reservation for a hotel room in XXXX using the XXXX site. It was confirmed. I phoned Eagle National Bank and was assured the purchases would go through. 

Yesterday I went on my online account with Eagle National Bank. The account showed that the charges for the flight and hotel were pending. I phoned Eagle National Bank and was assured the XXXX XXXX purchases would go through, and that I could use my existing card for 30 days. I also called XXXX and was told our hotel reservation was still confirmed. 

This morning I checked my online account with Eagle National Bank. The pending charges were no longer there - they had been declined AGAIN!!! The woman I spoke with, whose name was XXXX was extremely rude. 
I called a XXXX XXXX XXXX XXXX for help and was told that the flights were still confirmed. This means we are responsible for payment of confirmed but declined reservations which are non-refundable. Every time I try to make another flight reservation the cost increases. I am sure the same with the hotel. AND I am not certain if future purchases will be declined again. I do not know what to do. Any help will be greatly appreciated. 
Sincerely, XXXX XXXX 
",Older American,Consent provided,Web,2015-05-21,Closed with explanation,Yes,No,CR1386422,1668
2015-05-21,Credit card,,Sale of account,,,,Consent not provided,Web,2015-05-28,Closed with explanation,Yes,No,CR1386216,1782
2015-05-21,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,Consent not provided,Web,2015-05-29,Closed with explanation,Yes,No,CR1386855,1134
2015-05-21,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-05-21,Closed with monetary relief,Yes,No,CR1387399,683
2015-05-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,Other,Web,2015-05-21,Closed with explanation,Yes,Yes,CR1387515,3547
2015-05-20,Bank account or service,Checking account,Problems caused by my funds being low,,"Bank placed a negative complaint on my XXXX report for suspected fraud activity and I do n't owe the bank anything and there was no fraud on my account. 
",,Consent provided,Web,2015-05-20,Closed with explanation,Yes,No,CR1385392,6764
2015-05-20,Bank account or service,Checking account,Deposits and withdrawals,,"I live off XXXX and about {$1000.00} a month part-time work. The company I work for does captions and subtitles. It 's run into financial troubles, so often the checks are late, and a couple of times the check has bounced. This month, I have about {$10.00} in my checking account with Eagle National Bank when I deposited this week 's check. Because of my employer 's prior history, they put a hold on the check over the weekend. Okay. But now they told me they are holding the check until XXXX XXXX! I called the boss, and he said the check had cleared his account on XXXX XXXX. I talked to customer service, and to someone at my branch, about why they were holding the check longer, and I never got an answer. My rent check will hit that account soon, and I will be in overdraft, with my credit card linked for the overdraft protection. But meanwhile, they have my paycheck. All they are accomplishing is forcing me to take, in effect, a payday loan. I will pay it with my check next week, plus interest. How else can this be understood? 
",Older American,Consent provided,Web,2015-05-20,Closed with explanation,Yes,No,CR1384881,154
2015-05-20,Bank account or service,Checking account,Problems caused by my funds being low,,"In my previous complaint ( Case number : XXXX ) I issued against Eagle National Bank I gave an incorrect bank account number ( I have more than XXXX with them ). I am being charged wrong - the day XXXX issued this complaint I had {$28.00} or so that evening, the same transactions showed on my account but instead I was further overdrawn and another XXXX fee was taken - XXXX {$35.00} fee 's in a week?? 
",,Consent provided,Web,2015-05-20,Closed with monetary relief,Yes,No,CR1384254,3786
2015-05-20,Bank account or service,Checking account,Problems caused by my funds being low,,"RE : Case ID XXXX business account is with Eagle National Bank. The account was overdrawn by {$1.00} and there was a check deposited that had not cashed yet so I was charged a {$75.00} fee. I requested they review my business account since this was the first time this event happened. I spoke with XXXX XXXX on XXXX/XXXX/15 in the XXXX XXXX XXXX XXXX in XXXX XXXX XXXX branch and he assured me it would be no problem and he would have to review the account. When I checked my account a few days later the {$75.00} fee was nit returned. I went back in on XXXX/XXXX/15 and Spoke to XXXX XXXX and he stated that he could not do anything about it. I asked to speak to a manager and was told that they were not on the premises. This issue was not resolved and I do n't feel I given the right courtesy for a business client. THIS IS HOW GRATEFUL AND LOYAL Eagle National Bank ARE T THEIR BUSINESS CLIENTS. I will NEVER bank with Eagle National Bank again! 
",,Consent provided,Web,2015-05-20,Closed with monetary relief,Yes,No,CR1385238,4863
2015-05-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,"To Whom It May Concern : I would appreciate if you can shed some light on an unfortunate situation that happened to myself and family. On XXXX XXXX, 2015, I came upon a home based job opportunity through my email. The person presented themselves as a "" XXXX XXXX '' a supervisor from XXXX surveys. He explained that the company was hiring in my area for a XXXX XXXX opportunity. All I needed to do was to fill out an application with my address and phone number. I figured it to be a great opportunity for me to make some extra cash. I am a mother to XXXX XXXX children and knew this would be convenient for me to stay at home and work. 
I sent the application and XXXX days later, I received an email from "" XXXX XXXX '' stating that I was hired and to confirm the email and then he would send me a priority mail packet of my instructions for the XXXX survey assignments plus a cashier 's check that I would need to cash which included my payment for the work done. The packet came within XXXX days, and part of the instructions was to deposit or cash the check at my bank "" Eagle National Bank. '' I decided to cash the check at the bank teller so as not to risk the company looking into my bank account information. I cashed the check at the teller with no problem whatsoever which gave me confidence that the check was actually a good check. The check was for XXXX. I needed to wire XXXX to XXXX XXXX and observe the customer service there and also XXXX through XXXX XXXX and do the same as well. XXXX was for my pocket and XXXX went toward purchasing a printer at XXXX which was the first survey I needed to complete. 
Long story short, I became a victim of a scam as you may have caught on by now. I realized my mistake when researching on the internet and hearing the stories of others who have been victimized. Soon enough the check came as fraudulent. My husband called me the morning he tried to retrieve his check from work since he gets direct deposit and found that he could not withdraw the money. We live on a check by check basis. The last thing I ever wanted to do was to put my children in harm 's way by cashing a fake check. The devastating blow came when Eagle National Bank ( whom we have been loyal customers to for many years now ) swiped his entire check plus XXXX we had in that account. When I immediately found out that the check was fraudulent I called the bank to let them know immediately everything that had happened. They connected me to the fraud department and I explained the situation to them. They expressed that although I am a victim of an online scam unfortunately, this was a non -fraud claim since my name was written on the check and I had cashed the check through my account and that unfortunately I was liable to pay the entire XXXX. They mentioned that they would work out a payment plan but that they could not give my husband back his direct deposit payment from his job of XXXX. I explained to them, "" So you 're telling me that even though we have been faithful customers to you for many years, you are going to garnish his pay anyway? '' I made a big fuss and the analyzer "" XXXX '' at the fraud department said that he would speak with someone else at another department and would get back to me. XXXX called back and said that the funds would be available in our other account. Which they did. My concern is that we are now liable for this money ... we simply can not afford it and I honestly believe that the bank ( which is pretty financially healthy ) would have been able to pardon this mistake made on my part. Additionally, the treatment we received in them so abruptly garnishing my husband 's check was very unnecessary. Is there any way you can help? I believe banks are capable of holding on to checks until they clear and especially when our account was nowhere near XXXX. 
",,Consent provided,Web,2015-05-20,Closed with explanation,Yes,Yes,CR1385555,2144
2015-05-20,Credit card,,Billing disputes,,"Eagle National Bank IS UNLAWFULLY RE-INSERTING ACCOUNT # **************** AND ACCOUNT # XXXX SEVERAL TIMES OVER XXXX YEAR PERIOD ON MY XXXX CREDIT REPORT WITHOUT 5 DAY NOTICE TO CONSUMER AND VIA CHANGING ACCOUNT DATA, IN VIOLATION OF F.C.R.A.. XXXX HAS ASSISTED THEM IN DOING SO, AND MUST CEASE AND DESIST ANY FUTURE ILLEGAL ACTS. REMOVE XXXX ACCCOUNT FROM XXXX OR PAY FINES FOR DAMAGES. 
",,Consent provided,Web,2015-05-20,Closed with explanation,Yes,Yes,CR1384106,1469
2015-05-20,Credit card,,Other,,"I have a Eagle National Bank credit card which I have had for XXXX20 years. I have a credit score of XXXX and a credit limit of {$12000.00} just for your information. I have never owed them money as they allow me to pay in advance so I always have a small overpayment. On XXXX XXXX, they decided to refund my credit overpayment of {$200.00} and charged my account for that amount. The check which they mailed to me took so long to come I called to complain and the customer service department told me they could stop payment on the check and issue the refund to my personal bank account. They issued a refund and then debited my Eagle National Bank Credit card and refunded my card and debited it so many times like bouncing balls but I know I am still out {$200.00}. I 've spoken with XXXX people at EN who ALL told me it is their fault and a refund will be coming. But today XXXX XXXX at the Escalation Dept. told me I wo n't be getting the money. I will not let this rest I am also going to contact XXXX XXXX the CEO of EN. Imagine how they treat people with less stellar credit. It 's a disgrace. 
",Older American,Consent provided,Web,2015-05-20,Closed with explanation,Yes,No,CR1384344,4746
2015-05-20,Credit card,,Billing disputes,,"In XXXX 2014 I was scammed and was charged {$9000.00} from my Eagle National Bank Visa Credit Card, I think the {$4000.00} charge is still under investigation but the {$5000.00} dispute was closed and now they are beginning minimal charges against my card. I made every effort to give them information and documentation regarding this fraudulent activity. I do n't understand how they could close this case knowing that this was a result of fraud. I think that this may be an inside job ... you can call me at XXXX. Any help would be appreciated. Thank you 
",Servicemember,Consent provided,Web,2015-05-20,Closed with explanation,Yes,No,CR1384360,3050
2015-05-20,Credit card,,Bankruptcy,,"The derogatory Eagle National Bank Credit Item on all XXXX credit reporting agencies is incorrect and inaccurate. This credit was listed on my Chapter XXXX Bankruptcy filing dated-XX/XX/2013 XXXX XXXX XXXX XXXX XXXX. 
",,Consent provided,Web,2015-05-26,Closed with explanation,Yes,No,CR1384865,1116
2015-05-20,Bank account or service,Checking account,Deposits and withdrawals,,"On the same day debits were presented for payment a deposit for double that amount was made ; but somehow Eagle National Bank believes it is justified to charge my account XXXX on my business account and another {$270.00} on my bank account. 
",,Consent provided,Web,2015-05-20,Closed with monetary relief,Yes,No,CR1384069,2619
2015-05-20,Bank account or service,Checking account,Problems caused by my funds being low,,"XX/XX/XXXX/ XX/XX/XXXX- I incurred overdraft fees on my account. The bank would return a payment due to insufficent funds on one day/ charge a fee and then the next day approve the payment and charge an additional overdraft fee. This continued for serveral months. This caused large financial issue with my checking account. To the tune of having been assessed from XX/XX/XXXX to present a total of {$2500.00} in overdraft fees all to which have been paid. I have direct deposit and with each deposit the bank is paid for the fees in advance. In XX/XX/XXXX I was billed a total of {$770.00} in overdraft fees, XXXX {$210.00}, XX/XX/XXXX over {$200.00}, XX/XX/XXXX {$200.00}, XX/XX/XXXX {$140.00}, XX/XX/XXXX {$480.00}. I have attempted serveral times to speak with the bank about the fee assessment and have someone from the branch contact me. I was advised that someone would contact, I would get a telephoen call, would return the call and leave a message on their machine and receive no call back. The merchant in the past has done several things that indicate questionable business practices. For example during all of the fee assessments, there was an attempt for a merchant : XXXX, they were trying to collect on a late return of movies or no return. This merchant does get preauthorization with the initial rental. So when the movie is returned late or not at all they will go back into the credit card account used to rent to collect payment. I have recorded proof of a balance that was owed that the merchant attempted to withdraw {$60.00} ( approx ) with all of the fees I did not have enough. Ultimately, I only had {$11.00} ( approx ) in my checking account. The merchant miracously authorized the exact dollar amount. Then on the date of my deposit they come back into my account for the difference. I never contacted the merchant regarding the with draw or the authorization of a specific amount to resolve a balance. I was not aware that I had one with them assuming my children returned all the movies. The way it is discovered is that my account is impacted. The bank is double dipping and in the month of XX/XX/XXXX I suspect they were attempting to meet an end of the year quota, impact as may patrons during the XXXX Friday purchase/etc. I have been within the bank and heard that discussion. Also, I have had an incident where my account was compromised/debit card. Off of XXXX attempt with my card for a transaction out of the country they blocked my card. I was told I had to get a different checking account number. I proceeded via telephone and then went to the nearest branch facility and collected a new card. The branch of complaint. I am told at that time that I did not need to change my account but there was nothing they could do now that has been done. The account I was to have was to be identical to the existing account. Which was a grandfathered XXXX account which had no monthly fees regardless the balance. However that has not taken place, I get charged a monthly fee and they can not correct that either. So now along with the excessive fees they have imposed to my account I also now have monthly fees. This fees abuse has put me in financial straights. I stand to loose my residence, car because each month I am robbing XXXX to pay XXXX and the fees just keep coming as I try to get this under control. When I speak with them they advise they can not review my account back from XX/XX/XXXX/ XX/XX/XXXX and there is nothing they can do about it. I have asked for fee remibursement of atleast half of what I have been charged to which they will not remove anymore than {$100.00}. For XX/XX/XXXX I have been assessed atleast over {$2000.00}. That year before the same over {$2500.00} in fees. It is a continous cycle. They also do notification to parties banks that submit payment when to resubmit to ensure that the payment will authorize and they charge a XXXX fee. I need assistance. 
",,Consent provided,Web,2015-05-27,Closed with explanation,Yes,Yes,CR1385449,4112
2015-05-20,Credit card,,Rewards,,"I applied for Eagle National Bank XXXX card on XXXX/XXXX/14. They had an offer ending XXXX/XXXX/14 stating that I should receive {$100.00} in cash back rewards after spending {$500.00} or more within first XXXX days. I have spent more than {$500.00} within that timeframe, but have never received this bonus. I have already filed a claim to CFPB and Eagle National Bank replied that XXXX points were credit on my XXXX 2014 statement. But that response was incorrect because there is no XXXX points credit on my XXXX 2014 statement. My XXXX 2014 statement only includes 5 % cash back from spending categories XXXX purchases at grocery stores and gas stations XXXX. 
",,Consent provided,Web,2015-05-27,Closed with explanation,Yes,No,CR1384027,3780
2015-05-20,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-05-20,Closed with explanation,Yes,No,CR1385132,4252
2015-05-20,Credit card,,Credit determination,,,Older American,Consent not provided,Web,2015-05-20,Closed with explanation,Yes,No,CR1385283,1364
2015-05-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-05-20,Closed with monetary relief,Yes,No,CR1385347,2487
2015-05-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-05-20,Closed with monetary relief,Yes,No,CR1384034,504
2015-05-20,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-05-20,Closed with non-monetary relief,Yes,No,CR1384994,2549
2015-05-19,Bank account or service,Other bank product/service,Deposits and withdrawals,,"Back in 2006 I opened an IRRA account through Eagle National Bank and administered by XXXX XXXX ( Account # XXXX ), transferring my retirement funds from my previous Employer, XXXX. I am now employed by XXXX and wished to roll the money into the State of Washington Deferred Compensation Program ( DCP ). I started this process back on XXXX/XXXX/2015 but continue to encounter roadblocks. 

The state has requested the funds be sent over as a check, see attachment, per their procedures. However, Merrill Lynch claims they can only transfer funds only after I receive a XXXX XXXX XXXX. According to the State, they are not a banking institution so they do n't use or provide Signature Stamps. I 've never heard of such a stamp but the people at Merrill Lynch assured me I could get XXXX from any Eagle National Bank. I went to XXXX different banks ( XXXX in XXXX XXXX and XXXX in XXXX ) and all indicated they could n't give me this stamp. I was then directed to check with another institution ( XXXX XXXX in XXXX ) and they said although they could provide a stamp they do n't do it with a document stating that a stamp was required. 
I 've left numerous messages with staff at Merrill Lynch ( XXXX and XXXX XXXX ) but have been unable to reach them for further assistance. I 've believe that I have been patient in trying to move my funds from XXXX organization to another. ( See attachment ). 
",,Consent provided,Web,2015-05-22,Closed with explanation,Yes,No,CR1381675,1115
2015-05-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"FIA CS does not have written authorization to inquire as to my credit. I wrote the credit reporting agencies, but no response XXXX Exhibit # XXXX XXXX. 
",Older American,Consent provided,Web,2015-05-27,Closed with explanation,Yes,No,CR1382447,2248
2015-05-19,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I had a check written out to me from an account holder of the Eagle National Bank. I went to the XXXX Va branch. I was informed I would have to wait until the line for account holders was empty. As this was an improbability on a Friday afternoon. I asked for the bank manager. I stated it might be tomorrow before that happened, she said that was the policy. Also the fee of XXXX dollars to cash a check works out to be XXXX dollars an hour based on the time it took to cash the check I had. This seems exorbitant as the employees at the bank are there if I come in to cash a check or not! Also I was told by a company Rep that she would investigate and get back to me, it have been well over a week and no response! 
",,Consent provided,Web,2015-05-19,Closed with explanation,Yes,Yes,CR1382116,3669
2015-05-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have a XXXX savings account at Eagle National Bank. They charge me a fee of {$2.00} every month. I have raised three tickets asking them for an explanation but they do not bother to respond. First ticket XXXX was raised on on XXXX XXXX, second ticket XXXX on XXXX, and third ticket XXXX on XXXX. They just close the tickets in their system as 'resolved ' without bothering to respond. My questions to them are - where did I authorize you to deduct this fee every month? For how long are you going to deduct them? How can I avoid this fee? 
",,Consent provided,Web,2015-05-19,Closed with explanation,Yes,No,CR1382973,940
2015-05-19,Credit card,,Closing/Cancelling account,,"I was approved for line of credit and i never used the card with the hope that i will use it for when i really needed. But when did need it i found out that they closed it because i didnt use the card 
",Servicemember,Consent provided,Web,2015-05-22,Closed with monetary relief,Yes,No,CR1383089,2907
2015-05-19,Credit card,,Billing statement,,"My Eagle National Bank Credit Card statement balance was paid in full before the due date, and I was still charged a fee listed as a minimum interest charge. I called customer service and explained that the statement clearly showed that my previous balance minus my payments & other credits added up to XXXX, just like the previous month when no interest fee was charged. But, the customer service representative told me it was Eagle National Bank 's policy to still charge me a minimum interest charge regardless, and emphatically stated that this policy was not going to change. I believe this is a misleading and deceptive practice by Eagle National Bank, that is in clear violation of my credit card agreement, and should be illegal. 
",,Consent provided,Web,2015-05-20,Closed with monetary relief,Yes,Yes,CR1381626,3779
2015-05-19,Credit card,,Billing disputes,,"well, I got a credit card from Eagle National Bank with the balance of {$2000.00} and have paying for the last 18 Months and it shows only a balance of {$1900.00} and the credit card Computation seems very unrealistic and scum!! and also the company reported me late for more than 30 days in XXXX XXXX and XXXX XXXX which in XXXX case I did not get the statements on time, and as a result damaged my credit report making harder to refinance my Home Mortgage, I paid approximately XXXX - {$1400.00} which makes it mathematically impossible for the balance the showed to be accurate. 
",,Consent provided,Web,2015-05-19,Closed with explanation,Yes,No,CR1381645,3514
2015-05-19,Credit card,,Billing disputes,,"XXXX XXXX XXXX XXXX 's mastercard XXXX was charged {$23.00} twice. it should only have bee charged once. EN refuses to correct problem. 

i set up billing dispute XXXX for {$23.00} 
",Older American,Consent provided,Web,2015-05-19,Closed with explanation,Yes,Yes,CR1381606,519
2015-05-19,Credit card,,Other,,"I paid the statement balance on my Target Visa card in full on XXXX XXXX, three days before the due date, and the transaction posted to my bank account at XXXX XXXX the same day. The funds were taken from my bank account and my credit card showed 'XXXX ' balance. 
Last week I found out that some automatic payments were declined so I checked my credit card online and it still showed a XXXX balance on XXXX XXXX. 
I called the credit card company today to find out that my payment was still on hold and had not been posted to my account so my available credit was XXXX! The rep I talked to ( his name was XXXX and he refused to give me his last name ) said this was their procedure and he would apply the funds to my account as a courtesy. I reminded him that this was no courtesy when they kept my money for two weeks, and he should be apologizing. He did not, repeating that this was their procedure. I reminded him that this never happened before and asked if there has been any changes to my account, and he said 'No '. 
I believe a financial institution should not hold customer funds for two weeks. 
Sincerely, 
",,Consent provided,Web,2015-05-19,Closed with explanation,Yes,Yes,CR1382868,13
2015-05-19,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2015-05-22,Closed with explanation,Yes,No,CR1381955,1267
2015-05-19,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-05-19,Closed with explanation,Yes,No,CR1383406,1920
2015-05-19,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,Other,Web,2015-05-20,Closed with monetary relief,Yes,No,CR1383088,256
2015-05-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I am a victim of a vicious scam. I was contacted through a freelancer website, XXXX, by a woman who offered me a job ( XXXX ). She assured me that it was a legitimate job and I only had to complete simple tasks for {$400.00} a week. A poor college student struggling to make ends meet with rent and utilities, I foolishly accepted the job. She then sent me XXXX checks, {$2800.00} each, and instructed me to deposit them and then send the money in separate transactions of {$1400.00} each via XXXX XXXX. I was totally unaware that the checks were counterfeit until my bank started closure procedures on my account without notice. When I called them, the customer representatives and Risk Department refused to revoke the decision because I am fully responsible for all transactions and since the money was already taken out, I may be held to repay the overdrawn amount of XXXX-something dollars. They told me that I made transactions on money that was n't there to begin with, but that means that I never had the money in the first place, thus I should not be held liable for it. The bank also holds responsibility for not contacting me when the checks were verified as counterfeit, but when I called and went into my local branch and told them my situation, they were unrelenting. They hide themselves behind monotonous masks of "" there 's nothing we can do '' and furtively put the blame on the consumer. I am just a poor college student who fell victim to a vicious scam but now, I am the one in danger of being swamped in more debt on top of student loans and being blacklisted. At this point, I do n't even care for reimbursement. I just do n't want, and I do not need, to pay back money that was never mine to begin with. 
",,Consent provided,Web,2015-05-18,Closed with explanation,Yes,Yes,CR1381122,166
2015-05-18,Bank account or service,Savings account,"Account opening, closing, or management",,"I want to open a savings account but can not. All my collections are more than 10 years old. Please remove any restrictions. 
",,Consent provided,Web,2015-05-18,Closed with explanation,Yes,No,CR1380264,1988
2015-05-18,Bank account or service,Checking account,Using a debit or ATM card,,"On Friday XX/XX/XXXX I filed a claim on a transaction from a merchant for a product/service I did not receive when I tried to send a fax at XXXX. A short time later, someone from XXXX, the business I tried to send the fax to, informed me that the fax was too dark to read. At that point I contacted XXXX to inquire about a refund and was told by an employee ( XXXX ) that I could not get a refund since I no longer had the receipt. I then called the Eagle National Bank claims center to recover what I had spent and the representative informed me that order to have my money returned I would need to contact the business that received the fax and have them write to Eagle National Bank on company letterhead with an explanation that they could not read my fax. Bear in mind that the total amount of the claim is about {$5.00}. Eagle National Bank required this step in spite of my having gathered the name of everyone I dealt with at both XXXX and XXXX. 
",,Consent provided,Web,2015-05-18,Closed with explanation,Yes,No,CR1379770,4653
2015-05-18,Bank account or service,Checking account,Deposits and withdrawals,,"There was a line of almost XXXX people and only XXXX XXXX working. 
",,Consent provided,Web,2015-05-19,Closed with explanation,Yes,No,CR1379715,2565
2015-05-18,Credit card,,Transaction issue,,"I contracted with XXXX XXXX XXXX in XXXX, XXXX to conduct my move from XXXX to XXXX, XXXX. I paid for the entire move, over {$8000.00} on a Merrill Lynch, XXXX card which is owned by Eagle National Bank. 
My move went horribly by the mover. XXXX split my shipment in to XXXX-differen shipments, with the second shipment arriving 19-days after the first. Many needed household items were missing from the XXXX shipment, in which we had to go out and purchase replacement items. 
I submitted to Merrill Lynch credit card to hold {$500.00} from payment, since XXXX was unresponsive to my requests. Merrill Lynch waited over 30-days and stated that company was entitled to payment, even though moving company did not live up to its contract. 
",,Consent provided,Web,2015-05-20,Closed with non-monetary relief,Yes,No,CR1380472,3365
2015-05-18,Credit card,,Credit line increase/decrease,,"I got into some financial difficulty a year ago when I was laid off from my job. Now, I 'm trying to dig myself out, but XXXX of my credit card companies is trying to keep me from doing so by lowering my credit limit when I make a large payment. This means my credit card utilization rate will remain over 90 %, which is a major hit on my credit score. The low credit score then becomes an excuse for this bank and other creditors to give me increasingly less favorable credit terms. At this rate I will never be able to dig myself out of the hole I 'm in! 
",Older American,Consent provided,Web,2015-05-18,Closed with explanation,Yes,No,CR1381378,4180
2015-05-18,Credit card,,Billing disputes,,"I opened a Target Red Card a while back, I have never been late on a payment of any of my credit cards for 15 years. I made a payment 3 days before my actual billing cycle ( I was going XXXX and was trying to tye up lose ends ). This payment posted for the earlier billing month making me late. Target Red Card reported this lateness to the credit bureau I called and asked for a courtesy adjustment since I had made a payment just a bit too early and they would not help me. I paid the ballance of the card and will never use it again after this experience. 
",,Consent provided,Web,2015-05-18,Closed with explanation,Yes,No,CR1381286,4040
2015-05-18,Credit card,,Other,,,,Consent not provided,Web,2015-05-18,Closed with explanation,Yes,No,CR1379951,746
2015-05-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-05-18,Closed with explanation,Yes,Yes,CR1380855,1911
2015-05-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-05-18,Closed with monetary relief,Yes,No,CR1381245,4488
2015-05-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-05-18,Closed with explanation,Yes,No,CR1380952,1722
2015-05-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-05-18,Closed with explanation,Yes,No,CR1379835,3622
2015-05-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-05-18,Closed with explanation,Yes,No,CR1379812,3228
2015-05-18,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-05-21,Closed with explanation,Yes,No,CR1380987,4106
2015-05-17,Bank account or service,Checking account,Deposits and withdrawals,,"This is my complaint I sent Eagle National Bank : Why does it take so long for merchandise that I purchased using my debit card and pin # several weeks ago to clear or continues to pend, thereafter deducting funds from a new deposit? 

Based on my salary and infrequent pay periods I am the working poor and a college student, So I have to maintain meticulous records of all my transactions and after auditing my account it is unnecessarily below the amount I have calculated due to these pending transactions when the first several deposit ( s ) of funds were clearly available at the time my card was swiped. If this was n't true I would n't be able to make any purchases not even with "" credit ''. 

In the end, with no fault of my own, I become the victim of overdraft chargers and/or insufficient fees shifting money from my savings account to clear transactions I assumed were cleared in good standing. 

I am scared to touch the same money I earn and deposit because I feel like I am doing business with a loan shark. 

Please help me to understand how EN conducts business regarding my concern. 
",,Consent provided,Web,2015-05-17,Closed with explanation,Yes,No,CR1379441,3022
2015-05-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-05-20,Closed with monetary relief,Yes,No,CR1379469,2103
2015-05-17,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-05-19,Closed with monetary relief,Yes,No,CR1379411,406
2015-05-16,Bank account or service,Checking account,Problems caused by my funds being low,,"My online account shows a positive balance of {$170.00} and yet on XXXX they hit me with XXXX overdraft charges of {$170.00}. which put the account negative and then they hit me with another {$100.00} overdraft fees on XXXX and XXXX. XXXX of the charges were for less than {$10.00} and yet they told me any overdraft under {$10.00} would not have such a overdraft fee. They also re sequenced the charges so as to maximize fee. The same game that they were had class action suits for. The account is {$160.00} negative only because of there {$280.00} overdraft charges over XXXX days 
",Older American,Consent provided,Web,2015-05-16,Closed with explanation,Yes,No,CR1379385,2491
2015-05-15,Bank account or service,Other bank product/service,Using a debit or ATM card,,"Eagle National Bank put a charge off on my credit for a credit card I never used. They had the wrong address, the wrong phone number who knows who they were sending that information too. I never knew about the charges on the credit card or what was going on because they never had my information because the person using my account had it. They are taking very long to resolve the issue. I am not happy because the charge off is affecting my schooling, I ca n't get school loans. Eagle National Bank invalid info they had in meXXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX 
",,Consent provided,Web,2015-05-15,Closed with monetary relief,Yes,No,CR1379123,2256
2015-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,"I have a Eagle National Bank checking account that offers XXXX ways of waiving the monthly fee maintenance : Minimum Balance Direct deposit or charging a Eagle National Bank Credit card every month. 
I use a Eagle National Bank Credit card for my daily expenses, that card is charged $ XXXX monthly. That should satisfy the condition for the waiving the monthly fee. 
However, I have been charged a {$15.00} monthly maintenance fee for the last 3 months. 
When I contacted Eagle National Bank regarding that, they said the fees are valid, below a chat conversation with Eagle National Bank : Chat InformationWelcome to an online chat session at Eagle National Bank. Please hold while we connect you to the next available Eagle National Bank Online Banking Specialist. Your chat may be monitored and recorded for quality purposes. Your current wait time is approximately XXXX minute ( s ). Thank you for your patience. 
Chat InformationThank you for choosing Eagle National Bank. XXXX is ready to assist you. For security purposes, please remember to close your chat window when completed. 
XXXX : Good day! Thank you for chatting with Eagle National Bank, my name is XXXX. 
XXXX : What questions or concerns may I help resolve on your personal accounts today? 
XXXX : I have noticed that the lasts few months I have been charge a maintanace fee on my checking account XXXX : that was not the case before when did that change with no notification Starlette : XXXX I have your full name and the last XXXX digits of the account in question? 
XXXX : '? 
XXXX : XXXX XXXX XXXX : XXXX XXXX : Thank you. Please allow a few moments, while I review the account details. 
XXXX : Would you mind providing the last XXXX digits of your checking account you are inquiring about? 
XXXX : XXXX XXXX : Thank you for waiting. I 'll be with you in just a moment. 
XXXX : XXXX/XXXX/2015 Hide additional information for activity type bank charge XXXX Monthly Fee for BofA Enhanced XXXX : XXXX/XXXX/2015 Show additional information for activity type bank charge XXXX Monthly Fee for BofA Enhanced XXXX : You started charging a fee in XXXX, I never got a notification for this VERY HIGH fee XXXX : suppossedly by my checking being linked to a credit card that has at least a mothly charge of {$50.00} there should be no fee Starlette : To avoid the monthly fee, you must meet XXXX of the following requirements : XXXX : {$2000.00} or more deposited per monthly statement cycle into any linked checking account. 
XXXX : {$5000.00} minimum daily combined balance of {$5000.00} or more per monthly statement cycle in linked deposit accounts. 
XXXX : XXXX transaction conducted using their linked Eagle National Bank credit card each credit card statement cycle. 
XXXX : I charge over {$2000.00} a month on XXXX of my BaOf A credit cards XXXX : XXXX : XXXX transaction conducted using their linked Eagle National Bank credit card each credit card statement cycle. 
XXXX : Have you noticed home many trnasactions on my back of america credit card I do every month? 
XXXX : as I said Over {$2000.00} a month XXXX : so I need XXXX those charges reimburst XXXX : are you there? 
XXXX :??? 
XXXX : The account did not meet the requirements. I 'm sorry the fees are valid. 
XXXX : Are you kidding me, are you reading what I wrote? 
XXXX : I charge {$2000.00} on a Eagle National Bank credit card each month!!!!!!!!!!!!!!!!!!!!! 
XXXX : You wrote this : XXXX : XXXX transaction conducted using their linked Eagle National Bank credit card each credit card statement cycle. 
XXXX : Please do n't make me send the content of this chat to consumers affairs XXXX : Would you like to speak with a credit specialist to confirm the transactions conducted on the credit card account? 
XXXX : What so I need to confirm? 
XXXX : You can see it XXXX : I am contacting the consumers affairs, thank you XXXX : this is a fraudeulent charge! 
XXXX : I service your checking and savings acco 
",,Consent provided,Web,2015-05-15,Closed with monetary relief,Yes,No,CR1377266,2896
2015-05-15,Credit card,,Identity theft / Fraud / Embezzlement,,"Eagle National Bank was sending my statements to somewhere unknown. Eagle National Bank invalid info they had on file for me. 
XXXX XXXX XXXX XXXX, XXXX, Florida XXXXthe person that used that money was n't me and I refuse to pay it. They put interest that brought it up to XXXX and added a charge off on credit. They made me look delinquent with their mistake. Trying to make me pay for stuff that I did n't do which is not right. They have the wrong address and wrong phone numbers for me I have utility bills going back to 2010. So their information is false and I have proof. I called them last week seen what they had on file and told them to update my information. 
",,Consent provided,Web,2015-05-15,Closed with monetary relief,Yes,No,CR1377374,2027
2015-05-15,Credit card,,Payoff process,,"I have spoken to Eagle National Bankn concerning this paid account several times. Last year they told me it would be removed. It is a charge off which is incorrect. I am applying for a mortgage and need it removed. This has been on my credit bureau since 2010? 

XXXX XXXXXXXXXXXX 
",,Consent provided,Web,2015-07-10,Closed with non-monetary relief,Yes,No,CR1377677,504
2015-05-15,Credit card,,APR or interest rate,,"In XXXX 2015 the minimum payment on my credit card was {$270.00}. I paid {$300.00} and did not make any purchases, etc. on the card. As I understand it, {$270.00} should have gone toward the interest and the principal of the lower interest rate ( 9 % ) and at least {$24.00} should have gone to my highest interest rate of 16 %. When I look at my statement from XXXX and my statement from XXXX, though, the balance actually increased for the amount being charged 15.99 %. I called Eagle National Bank XXXX times and spent more than an hour on the phone. The XXXX rep told me it was because I had underpaid XXXX month ( I did not ), the next call I got disconnected and the XXXX transferred me to a line that was supposed to have voicemail, but rang for more than 3 minutes without being picked up. 
",,Consent provided,Web,2015-05-15,Closed with explanation,Yes,No,CR1377371,2471
2015-05-15,Bank account or service,Checking account,Problems caused by my funds being low,,"There is a {$70.00} overcharge that I am disputing. It derives from Eagle National Bank 's having charged me {$35.00} per debit when a debit induces a negative balance. 

I did overdraw the account on XXXX XXXX. I accept XXXX {$35.00} overdraft fee as appropriate. 
Debits are reconciled daily. There were XXXX debits on XXXX XXXX, and they were made in order of highest to lowest. In so doing, they were done so as to have XXXX of the XXXX debits made against a negative balance, so as to induce XXXX overdraft fees. If the biggest one was the last XXXX, then there would have been only XXXX debit against a negative balance therefore only XXXX overdraft fee. 

Therefore, I have been overcharged {$70.00} because XXXX of the XXXX overdraft fees were preventable by Eagle National Bank. 

The likelihood that XXXX transactions would be, if their order was chosen at random, ordered from highest to lowest is XXXX in XXXX. XXXX use the protocol that if an event is less than XXXX likely by chance, then the event can not be considered a chance event. Therefore, I am inferring that the ordering to maximize the overdraft fees is deliberate. If similar complaints have been received against Eagle National Bank, then proof of intent will be stronger than can be inferred from this complaint alone. 
",,Consent provided,Web,2015-05-15,Closed with monetary relief,Yes,Yes,CR1377719,3567
2015-05-15,Credit card,,APR or interest rate,,,,Consent not provided,Web,2015-05-15,Closed with monetary relief,Yes,No,CR1378054,629
2015-05-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-05-15,Closed with explanation,Yes,No,CR1378620,782
2015-05-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank made changes to its processes that affected accounts where new cards were issued. After more than two months of following up with the bank regarding my credit card, my account has still not been credited reward points. More egregiously, my account has been charged a debit that is erroneous. The "" charge '' is because the account shows XXXX credits where there should have been XXXX. The problem is the XXXX credit is on the old card that I did not receive benefit from. Bank representatives acknowledge this error and just keep telling me that the system will fix itself and that they are working on it. However, this has gone on too long and believe that something should be done. The reward points is XXXX thing but the extra charge that has been on my account for almost three weeks is another. 
",,Consent provided,Web,2015-05-14,Closed with explanation,Yes,No,CR1375176,2650
2015-05-14,Bank account or service,Savings account,"Account opening, closing, or management",,"Eagle National Bank sent me a statement that I had a negative balance ( because of fees ) on a savings account I had had open for about 10 years. I rarely had any money in the account, but I was never warned about keeping a minimum balance in the account to avoid fees. Then all of a sudden I was sent a statement that said I had a negative balance because off fees. The only way I was able to close the account was to pay the negative balance. Ridiculous! 
",,Consent provided,Web,2015-05-14,Closed with monetary relief,Yes,No,CR1375255,2748
2015-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,"I have been trying all day to set up an account with b of a on XXXX XXXX in an XXXX XXXX. I am moving from XXXX to XXXX soon. I spoke with XXXX at the branch who said he could handle it. Then said he had to wait til friday. Then I had my bank manager here in XXXX call him to work with him to set up account and wire money. he said i could go on line - but he was busy. We tried that for hours. No one at B of A knew how to do it even though they offer it. I spoke to XXXX, XXXX and on and on. We simply wanted to open an account, wire some money in so that I would be prepared when i moved to XXXX in XXXX. 
It was a fiasco of ignorance.No one at B of A knew how to work the computer or knew the procedure. I asked if they wanted XXXX to call them and show them how. The entire staff including managers was incompetent. All I wanted to do was be prepared for the move. These people took all my private information several times and then said they were stuck. If they ca n't do on line banking - get off it. We tried that for hours. I spoke to XXXX, XXXX and on and on. We simply wanted to open an account, wire some money in so that I would be prepared when i moved to XXXX in XXXX. 
It was a fiasco of ignorance. No one at B of A knew how to work the computer or due the procedure. All I wanted to do was be prepared for the move. These people took all my private information several times and then said they were stuck. If they ca n't do on line banking - get off it. 
",Older American,Consent provided,Web,2015-05-14,Closed with explanation,Yes,No,CR1375005,4001
2015-05-14,Bank account or service,Checking account,Problems caused by my funds being low,,"I made a deposit to Eagle National Bank on XXXX/XXXX/15 for {$1400.00} and received a receipt that a deposit was accepted and would credited by the end of business, which it was. In the interim on XXXX/XXXX/15 they retracted the deposit and placed a hold on it until XXXX/XXXX/15. I did not receive any notifications, but in talking with the bank representative they claimed it was emailed to me on XXXX/XXXX/15??? How can you charge me a {$35.00} fee on XXXX/XXXX/15 without providing notice. To add insult to injury I was charged another {$35.00} fee on XXXX/XXXX/15 for a difference of 34 cents??? This is down right deceptive and should be illegal. 
",,Consent provided,Web,2015-05-14,Closed with monetary relief,Yes,No,CR1376785,4626
2015-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,"My Eagle National Bank ( EN ) checking account and EN credit card was hacked for {$10000.00}. According to EN, a criminal, most likely assisted by EN employee ( s ) joined my account using the EN website. The next day, a criminal went to a local EN and over withdrew the funds from my checking account. The overage was charged to my credit card. Upon getting my regular EN monthly credit card bill, I contacted EN and they issued a refund. NOW I 'M UNABLE TO OPEN AN ACCOUNT AT XXXX DUE TO SUSPECTED FRAUD ACTIVITY BY ME ON THE XXXX REPORT. 
",,Consent provided,Web,2015-05-14,Closed with non-monetary relief,Yes,No,CR1376500,6112
2015-05-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Please review case submitted by XXXX XXXX ( formerly XXXX XXXX ). If you require additional information, please contact me in a reasonable amount of time at XXXX. 
Case number : XXXXBackSTATUSReview completedResponseEagle National Bank is reviewing your inquiry. We require additional time to provide you with a complete response. We will update the status of your inquiry on the portal with our response as quickly as possible. 
WHAT HAPPENEDDescribe what happened so we can understand the issue ... 
Deceptive practice - billing for services that were cancelled. Eagle National Bank has refused to close safe deposit box despite many attempts over the past five years. BofA continues to ignore requests to close the safe deposit box and continues to bill for services that are not used. 
Product Bank account or service : Other bank product/serviceIssue Account opening, closing, or managementDESIRED RESOLUTIONWhat do you think would be a fair resolution to your issue? 
Close account, stop billing for services that are not used. DO NOT ask for us to spend ANOTHER series of hour long phone calls and office visits in order to get resolution. 
MY INFORMATIONContact informationMailing addressXXXX XXXX XXXX XXXX XXXX GA XXXX StatesEmail XXXXXXXXXXXX XXXX XXXX XXXX am submitting on behalf of Myself Someone elseSomeone elseUnited StatesPRODUCT INFORMATION Billing address is the same as mailing address. 
Account number Box # XXXXInformation about the companyEagle National BankUnited StatesSupporting documentsPDF document XXXX ( XXXX KB ) COMPLAINT HISTORYAuto-Response XX/XX/XXXX XXXXWe 've completed the review of your complaint. 

To review the full results, log in : XXXX 

We ca n't include the full results directly in this email because they sometimes have sensitive information, and we want to protect your privacy. 



Thank you, Consumer Financial Protection Bureauconsumerfinance.gov ( XXXX ) XXXX ( XXXX ) Auto-Response XX/XX/XXXX XXXXThe company has provided a partial response to your complaint number XXXX describing the steps taken so far to address your issue. They stated they are still working on your issue, and you should hear from them again within 60 days. 

XXXX the details of your complaint and the company 's response so far at : XXXXWe will let you know as soon as we receive an update about your complaint. 





Thank you, Consumer Financial Protection Bureauconsumerfinance.gov ( XXXX ) XXXX ( XXXX ) Auto-Response XX/XX/XXXX XXXXWe 've sent your complaint to the company for a response. 

We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 

You should receive a status update within the next 15 days. 

You can track the status of your complaint at : XXXX 




Thank you, Consumer Financial Protection Bureauconsumerfinance.gov ( XXXX ) XXXX ( XXXX ) Auto-Response XX/XX/XXXX XXXXWe received your submission and will review it as soon as possible to determine if it involves a Federal consumer financial law within our authority. 

Depending on what we find, we will : Send your complaint to the company for a response ; or Send your complaint to the appropriate regulator or help you get in touch with your state and local consumer protection office if your complaint is not within our authority ; or Let you know if we need more information to continue our work. 

While we ca n't give legal advice or represent individuals in legal matters, if you want more help you can contact a private attorney or your local lega 
",,Consent provided,Web,2015-05-14,Closed with explanation,Yes,No,CR1374906,939
2015-05-14,Credit card,,Transaction issue,,"Fraud occurred on my Eagle National Bank ( EN ) credit card on XX/XX/XXXX-XX/XX/XXXX. I contacted EN on XX/XX/XXXX to report. They immediately closed my card, reversed the fraudulent charges, and sent me a new card. On XX/XX/XXXX, I made several returns to XXXX XXXX XXXX and on XX/XX/XXXX to XXXX. After three calls between EN telling me it was XXXX ' problem and XXXX telling me it was the bank, someone in the fraud department told me that EN had "" upgraded '' their system in XXXX which requires customers to call for balance adjustments each time something is returned back to the old credit card account. Fraud has occurred on my EN credit card at least once a year for the past several years. I have never before had to be this involved with getting my credits transferred to the new account because it was always treated as XXXX account. After five calls to EN, I finally reached someone in the fraud claims department who knew of this new system flaw and helped me with the balance adjustments to my new account. Most of the adjustments were correctly reflected as credits to my account. XXXX of them was transferred as a debit. A sixth call, XXXX EN employees, and 45 minutes later, an employee understood my issue and said I should receive a reversal and credit back in one or two days. Please note this was approximately {$2400.00} that was held up for almost four weeks of calling Eagle National Bank six times. Had I not kept calling, I would not have gotten my money back. A EN system upgrade should not become a consumer problem! I have been a checking customer with them for 20 years and credit card holder ( of the same account ) for 11 years. I am seriously considering switching banks after this fiasco. 
",,Consent provided,Web,2015-05-14,Closed with monetary relief,Yes,No,CR1375524,853
2015-05-14,Credit card,,Billing disputes,,"I was erroneously charged for items I did not purchase with my Eagle National Bank cash back credit card. I called to file a dispute only to be told by the representative to go to the merchant and ask for a refund. She refused to let me file a credit dispute with them. 
",,Consent provided,Web,2015-05-14,Closed with explanation,Yes,No,CR1376780,5326
2015-05-14,Credit card,,Billing disputes,,"my ex wife made charges and balance transfers to my cc without my knowledge i filed a dispute and they denied said they verified i owned the accounts of the balance transfer, i called the banks involved first merit and barclay card and they verified that i have NO accounts they are trying to hold me responsible for this fraud and are violating the FCBA, then she told me to goto Eagle National Bank branch and i told her i dont live close to one the nearest one is XXXX+ miles away she said will i need to go she is making it hard for me and im not healthy too i just had XXXX 
",,Consent provided,Web,2015-05-14,Closed with explanation,Yes,Yes,CR1375247,151
2015-05-14,Bank account or service,Checking account,Using a debit or ATM card,,"I have been asked to send a letter disputing a charge from XXXX FL for {$33.00} on XXXX/XXXX/2015. I did not authorize this transaction or signed any receipts. I can say I was at such place and have been there before but this transaction was not made by me. I put my card down for purchases but did not purchase anything. Please credit account ASAP. 
A concern I have is that I was never notified of denial of dispute. If I would not called today then this dispute would have never been resolved. I was told the reason it was denied it was because "" I did not provide any documentation ''. Also I never received any paperwork in the mail. Well there is nothing to provide since I did not sign any receipts. You guys ca n't just go around denying customers claims and thinking nobody will call back and in this particular case deny it on a basis that it needs documentation from me. What happens if the customer does not have any documents you just deny the claim it sounds wrong!!! Somebody is not doing his or her job correctly and this needs further investigation. How about calling the merchant and asking them for signed receipts!!! Why do n't you do that? I did not do any pin confirmation either. Talk to the person who did the dispute and I think this is the person that needs to be looked at. I do n't ' think this person is doing his/her job properly. Maybe is time to let this person go because is causing customers accounts to be closed. 
I want my credit on my account. If I do n't get a credit I will close it and further complaint to the XXXX, FTC, and CFPB and let them investigate your practices and maybe they will find out you are not following proper rules. I will raise hell if I believe you are not handling my account correctly. I will make sure somebody is accountable. You are messing with the wrong person when it comes to my account. 
Sincerely, XXXX XXXX 
",Servicemember,Consent provided,Web,2015-05-14,Closed with monetary relief,Yes,No,CR1375102,1894
2015-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,"There was fraud on my account related to cyber security and other issues. My account illegally has a negative balance, because Eagle National Bank did not update my file. Additionally, I must worry for the security of my account when making deposits. I reported the fraud and Eagle National Bank has not properly credited or updated the account. 
",,Consent provided,Web,2015-05-14,Closed with monetary relief,Yes,Yes,CR1374960,7753
2015-05-14,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-05-14,Closed with explanation,Yes,No,CR1375216,4429
2015-05-14,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2015-05-14,Closed with explanation,Yes,No,CR1376727,2626
2015-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-05-14,Closed with monetary relief,Yes,No,CR1375296,2794
2015-05-14,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-05-14,Closed with monetary relief,Yes,No,CR1376868,1372
2015-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-05-14,Closed with explanation,Yes,No,CR1375951,2256
2015-05-13,Bank account or service,Checking account,Deposits and withdrawals,,"I got an email from EN saying that I was overdrawn. I went online to find out what happened and found a check that was not even from my account drawn for {$360.00}. I opened a chat help and reported it. The customer service person said it would be resolved. The next day, before business hours, I checked again. The problem was n't resolved and the check image which had been there the day before was no longer available. I opened another chat window and THIS customer service rep told me it was fraud and would have to be dealt with over the phone during business hours. 

That leaves me with no money for breakfast, so I am angry AND hungry. 
I reported the error as soon as I noticed. BUT because of the failure by the bank, I am without access to funds, and therefore breakfast and gas. 

HOW does all this work? WHY wo n't EN answer my questions? WHAT is my recourse? 

IT 's only XXXX bucks. AM I too small to matter while EN is too big to fail? 
",,Consent provided,Web,2015-05-13,Closed with monetary relief,Yes,No,CR1373170,1450
2015-05-13,Bank account or service,Checking account,Deposits and withdrawals,,"I was incarcerated in XXXX XXXX XXXX ( Florida ) from XXXX XXXX, XXXX until XXXX XXXX, XXXX. While I was incarcerated for approx. 15 months my roomate at the time used my Eagle National Bank debit/ATM card to fraudulently make hundreds of ATM withdraws and Debit Card puchases as well as writing fraudulent checks equaling over {$20000.00} XXXX dollars. These transactions began on XXXX XXXX, XXXX and ended on XXXX XXXX, XXXX. The account went into arrears and was "" forced closed '' on XXXX XXXX, XXXX with a negative balance. After I was released from jail I was homeless. When I finally found a home with a solid address and a telephone and computer on XXXX XXXX, XXXX I called Eagle National Bank to file a claim for the fraudulent activity mentioned above. I was told by a supervisor in the ATM Debit Claims Department named XXXX XXXX that the bank can only file and be responsible for claims that go back 12 months from the claim filing date. The claim filing date in this case is on XXXX XXXX, XXXX. Most of the fraudulent transactions took place over a year ago ( 12 months ) and I explained that I believe that I deserved compensation via a claim regardless of the 12 month rule. He refused to help me with this request. Instead, he referred me to the Federal Reserve website www.federalreserve.gov and told me to download the PDF document on Regulation E which explains that it is federal law that a bank is not obligated to compensate fraudulent activity that goes back more than one year ( 12 months ) from the claim date. I followed his instructions and read the PDF document and found no such rule or regulation. I then contacted the Federal Reserve Consumer Help organization at XXXX and they said that they do not have jurisdiction or supervisory authority over Eagle National Bank so they referred me to your organization, C.F.P.B., at XXXX. I called and spoke to XXXX of your representatives who directed me to www.consumerfinance.gov to process a claim online. 
",,Consent provided,Web,2015-05-13,Closed with monetary relief,Yes,Yes,CR1374113,1054
2015-05-13,Bank account or service,Checking account,Problems caused by my funds being low,,"I was notified by Eagle National Bank that my account balance had gone below XXXX. I knew there was over XXXX left in the account so that did n't make sense. I pulled open my account online and it showed that I was over XXXX overdrawn. The previous day I had written a check for XXXX. It was used to pay a loan at a different banking institution. In my Eagle National Bank account I had over XXXX in the account so there was plenty of money to cover it. When I called Eagle National Bank they said that they could see the check that was trying to clear and could see that it was for XXXX, but it was being processed as XXXX dollars. Extra XXXX somewhere. I asked what to do. Was transfered to a manager. The manager told me that if I brought in the extra money before XXXX that I would not be charged an over draft fee. She said she did understand that the check was not for a XXXX and that it was only written for XXXX, but the banks policy was that I would be charged an overdraft if I could not cover the check with additional funds. She said to call the other institution when they opened and talk to them and in the mean time they were returning the check. I asked her to at least waive the fee for overdraft and she said she could not. She said that to get the fee returned to my account I would need to call the next day and see if they could deposit the over draft fee back into my account. It makes no sense to charge a customer an overdraft fee when there is clearly an error between the XXXX banks. I called Eagle National Bank at XXXX my time as soon as I saw there was an issue. They agreed that it was a banking issue and that I had not done anything wrong, but charged my account an overdraft fee anyway? Where has basic customer service gone in this industry???? 
",Servicemember,Consent provided,Web,2015-05-13,Closed with monetary relief,Yes,No,CR1374136,4776
2015-05-13,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-05-13,Closed with explanation,Yes,Yes,CR1373222,403
2015-05-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-05-13,Closed with explanation,Yes,Yes,CR1375130,1303
2015-05-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-05-14,Closed with explanation,Yes,No,CR1374247,1788
2015-05-13,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-05-13,Closed with monetary relief,Yes,No,CR1375150,1237
2015-05-13,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-05-13,Closed with monetary relief,Yes,No,CR1373802,4079
2015-05-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-05-13,Closed with monetary relief,Yes,No,CR1374615,11795
2015-05-12,Bank account or service,Savings account,Deposits and withdrawals,,"I am from XXXX and recently moved to United States. I opened Checking & Savings account with Eagle National Bank. I made few online transfers from Savings account to Checking account. After a month i was charged {$18.00} for that. 

Based on the fee schedule : It was not mentioned clearly that the transfers within the linked checking and savings accounts are also counted towards the limit of XXXX withdrawal. 

Link : https : //www.bankofamerica.com/deposits/resources/personal-schedule-fees.go? request_locale=en-usInitially i was not told about this when account was opened. Later i was told during a chat coversation with Bank agent. After going through the link provided in the bank website, I was under assumption that transfers between linked Savings and Checking accounts shall not count towards the withdrawal limit set for Regular savings account. 

Since the wordings were misleading and not so clear, i want the charge to be returned. 

Also i was not alerted once i crossed the XXXX withdrawal limit. Bank could have sent me an email/text or whenever i do the XXXX transaction that this could be charged. 

So Bank should also include the alerting system for such transactions. 

Please resolve the issue and make the arrangement for {$18.00} refund. 
",,Consent provided,Web,2015-05-12,Closed with explanation,Yes,No,CR1372175,113
2015-05-12,Bank account or service,Checking account,"Account opening, closing, or management",,"I HAD AN ACCOUNT WITH Eagle National Bank FOR A COUPLE OF MONTHS BACK IN XX/XX/XXXX. XXXX DAY MY WALLET WAS STOLEN/MISPLACED AND I HAD ALL MY INFORMATION IN IT, SOMEHOW DURING SOMEONE TOOK MY CARD AND DEPOSITED FRAUDULENT CHECK INTO MY ACCOUNT. AT THE TIME I DID N'T KNOW THAT MY WALLET WAS STOLEN. LATER ON THAT EVENING I FOUND THAT MY WALLET WAS MISSING, I CALLED THE BANK AND TOLD THEM TO CANCEL THE CARD. A FEW DAYS LATER I PUT IN A CLAIM FOR THE CHARGES THAT WAS PUT INTO MY ACCOUNT BECAUSE EN TOLD ME THAT THE CHECKS CAME BACK AS FRAUD AND IT WILL BE APPLIED TO MY ACCOUNT. I FILED A CLAIM XXXX AND I WAS DENIED, BECAUSE I HAD MY PERSONAL INFORMATION IN MY WALLET AND I WAS NEGLIGENCE ABOUT MY PRIVATE INFORMATION. ABOUT A YEAR LATER ( XX/XX/XXXX ), I WANTED TO OPEN A BANK ACCOUNT WITH A SPECIFIC BANK, AND I GOT DENIED FOR IT BECAUSE "" Eagle National Bank DING ME FOR SUSPICIOUS OF FRAUD ACTIVITY ''. I WAS TOTALLY CONFUSED ABOUT IT BECAUSE I WAS NEVER TOLD I HAD TO PAY ANYTHING, NOR DID ANYONE CALLED ME SINCE THE CLAIM WAS DENIED ABOUT PAYMENT PLANS TO PAY BACK FROM THE FRAUDULENT CHECKS. SO I WENT AROUND TO OTHER BANKS ABOUT ( XXXX ) IN MY AREA AND I WAS DENIED TOO FOR THE SAME REASON. I CONTACTED Eagle National Bank AND INFORMED THEM ABOUT THE ISSUE THAT I HAD WITH OTHER BANKS, THEY TOLD ME TO GET A CONSUMER REPORT, AND SEE WHATS ON THERE PERTAINING MY INQUIRY. I REQUESTED THE INQUIRY FROM CHEXSYSTEMS AND I SAW THE CLAIM BY Eagle National Bank "" SUSPICIOUS FRAUD ACTIVITY '', I CALLED BACK Eagle National Bank AND TOLD THEM I RECEIVED IT AND I WANT TO KNOW WHAT I CAN DO TO RESOLVE THE ISSUE AND GET OFF XXXX, THEY TOLD ME TO PUT IN A REQUEST TO Eagle National Bank 'S RISK DEPARTMENT AND MAIL IT TO THEIR ADDRESS IN XXXX, FL. I DID IT AND A COUPLE OF WEEKS LATER THEY SENT ME A LETTER SAYING THAT THEY WILL NOT REMOVE ME FROM CHEXSYSTEMS BECAUSE IT SUPPOSED TO PROTECT THE BANK BECAUSE ITS A SERIOUS MATTER. I CALLED THEM TODAY AGAIN, SPOKE WITH THE RECOVERY DEPARTMENT, ASK THEM WHAT CAN I DO TO GET BACK ON TRACK BECAUSE I 'M ONLY XXXX AND I REALLY NEED A BANK ACCOUNT/SAVINGS ACCOUNT FOR MY JOB BECAUSE ITS TOWARDS MY FUTURE AND THIS ISSUE ON XXXX IS RUINING MY LIFE. THEY TOLD ME THAT I DO N'T OWE THEM ANY MONEY, I 'M JUST FLAGGED BY THE BANK AND I CANT OPEN AN ACCOUNT WITH THEM, I ASKED WHY THEY CANT REMOVE IT SINCE I DONT NEED TO PAY ANYTHING TOWARDS THEM, THEY JUST GAVE ME THE RUN AROUND AND TOLD ME TO SPEAK WITH THE RISK DEPARTMENT. THE RISK DEPARTMENT SAID THERE IS NOTHING I CAN DO BECAUSE ITS ALREADY ON THE REPORT AND IT WILL BE ON THERE FOR 5-7 YEARS AND THERE IS NOTHING I CAN DO ABOUT IT. I TOLD THEM I WILL GET AN ATTORNEY AND THE REPRESENTATIVE BASICALLY RUSHED ME OFF THE PHONE SAYING "" IS THERE ANYTHING ELSE I CAN HELP YOU WITH '' BEFORE I EVEN FINISHED TRYING TO ASK WHAT CAN I DO TO RESOLVE THIS ISSUE. I 'M TO MY BREAKING POINT FROM THIS AND I REALLY NEED SOME HELP BECAUSE THIS IS MESSING UP MY LIFE. I HAVE A CREDIT CARD AND ITS HARD TO PAY MY MONTHLY BILL BECAUSE I DONT HAVE A BANK ACCOUNT, I LIVE OFF PREPAID CARDS AND THEY DONT HELP ME SAVE AND THEIR FEES ARE RIDICULOUS. PLEASE HELP!!! 
",,Consent provided,Web,2015-05-12,Closed with explanation,Yes,No,CR1372362,12328
2015-05-12,Bank account or service,Checking account,Deposits and withdrawals,,"i was charged XXXX in overdraft fees for XXXX transactions ( totalling {$20.00} for all XXXX ) due to the banks ATM machine not accepting my cash deposit. I was basically called a liar and advised that people before and after me were able to make cash and check depositis without any problem. I told them they should check the video footage then and they 'd see i had a problem. waiver request was denied. i did n't have access to the internet to do an electronic transfer and the ATM that i knew of ... i would n't have made it there by the XXXX cutoff. 
",,Consent provided,Web,2015-05-12,Closed with monetary relief,Yes,No,CR1372042,4959
2015-05-12,Bank account or service,Other bank product/service,Using a debit or ATM card,,"My x-boss got in to my wallet and got my XXXX card issued by Eagle National Bank and used it for XXXX times, when I contact Eagle National Bank 's customer service they told me that they CAN NOT do anything about it! because I knew who did those unauthorized transactions "" my x-boss '' and because we had ( my x-boss and I ) an agreement to pay off the balance, so it is my responsibility to fix that even if he ( my x-boss ) did those unauthorized transactions by phone paying a bill to XXXX XXXX, still Eagle National Bank CAN NOT do nothing about that, in other hand, if you have a boss and you do have a credit card issued by Eagle National Bank, you should cancel that card ASAP, or if you have a card issued by Eagle National Bank and you have ( friend, relative, coworkers or any human you know on this planet ) you should cancel your card ASAP, because you are responsible for any unauthorized transactions made by them. 
",,Consent provided,Web,2015-05-12,Closed with explanation,Yes,No,CR1372342,1825
2015-05-12,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,"On XXXX XXXX, 2015 at approximately XXXX, I received an email from Eagle National Bank or what appears to be Eagle National Bank . The email states that after calculations of activity with the bank they determined I was eligible to receive a fees refund of {$300.00}. They wanted me to submit the refund request and allow them 3-5 days in order to process it. They stent a Refund Form that was attached to the email, I was to open it in a browser and follow the instructions on the screen. 
The form asks for User Information which consists of a online ID and password, billing address, full name, social security number, date of birth, address ( if different from billing ) city, state, zip code, mobile number, and card information credit/debit, the code verification number ( cvv ). It gives you the fees refund {$300.00} usd. Then they want you to use your email address registered with them to confirm a security verification with your email password. 
I called Eagle National Bank because I do n't have any accounts or credit cards with them to confirm. The representative was very helpful with informing me there was nothing in there system with my name. 
",,Consent provided,Web,2015-05-12,Closed with explanation,Yes,No,CR1370757,1178
2015-05-12,Credit card,,Closing/Cancelling account,,"I decided to not pay another annual fee for a Eagle National Bank Visa card. My expectation was the account would be closed. A month later I got a bill for my account which had been charged the annual fee. I did not knowingly ever agree to have the company automatically renew my account. I then called the company and was assured by customer service they would close the account and back out the charges. A month later I received another bill with a penalty included. I called again and was told they would close the account and back out all of the charges. A month later they continued to add penalties and did not close the account. I then sent them a letter with a return receipt by XXXX Mail. I detailed the above in this letter and told them to close the account and send me a final bill and I would pay that to just end this stupid experience. Instead they reported me to a credit reporting agency that I was now 120 days past due. 
I had not used this credit card for years. It was an emergency card. 
",Older American,Consent provided,Web,2015-05-12,Closed with monetary relief,Yes,No,CR1371854,2546
2015-05-12,Credit card,,Closing/Cancelling account,,"I was able to completely pay off my credit card so I contacted the credit card company and requested the payoff amount and closure of the account. I clarified my request by stating that I wanted the exact payoff amount for that day and time and I paid the complete amount during that phone call. I also specifically requested that a letter be sent out showing the XXXX balance and closure of the account. Roughly a XXXX later I received a statement from my credit card company showing that I still had a balance on my account from interest that had ocurred before I had closed the account. This little game could continue on for infinity and I believe that the credit card company is purposly attempting to trick consumers into thinking that they have closed an account. Once the consumer has forgotten about the account and missed numerous payments because they thought the account was closed charging the exorbitant late fees and interest rates. This is an unbelievably deceptive business practice and it needs to stop. 
",Servicemember,Consent provided,Web,2015-05-12,Closed with monetary relief,Yes,No,CR1370973,3792
2015-05-12,Credit card,,Identity theft / Fraud / Embezzlement,,"My dad was the victim of fraud on his Eagle National Bank card. I tried and he tried for literal XXXX hours to get through to them. XXXX they put my dad on hold when he gave permission for them to talk to me. Then I was on hold for the same amount of time to talk to them. Once I got on they started quizzing me about details on his account. Nobody told either of us that I would need to provide this kind of information. After XXXX minutes of being quizzed and put on hold I asked to talk to a supervisor. I waited another XXXX minutes to talk to the supervisor who asked me none of the questions the XXXX fraud department person did. I told the supervisor that their customer service was TERRIBLE. Then after I told him that these unscrupulous mints had put over {$25000.00} of charges on my dad 's account, he told me at first that they would take care of it. Then he said since my dad had made a payment on the charges in the past, they might not be able to call it fraud. I told him that these salesmen were calling him at XXXX XXXX, lying to him about the value of the coins, telling him they could help him make a lot of money on coins that are virtually worthless, bullying him, threatening him and asking for his bank account information. I then said that if they did n't take care of this we would hire a lawyer and sue them. These fake mints have been sued over and over for lying to customers and misrepresenting their products. So I asked him why Eagle National Bank was letting charges from these companies, in these amounts especially, go through without scrutiny. 
","Older American, Servicemember",Consent provided,Web,2015-05-12,Closed with explanation,Yes,No,CR1370982,184
2015-05-12,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2015-05-12,Closed with explanation,Yes,No,CR1372009,1009
2015-05-12,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2015-05-12,Closed with explanation,Yes,No,CR1372160,3059
2015-05-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-05-12,Closed with monetary relief,Yes,No,CR1372599,9546
2015-05-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-05-12,Closed with explanation,Yes,Yes,CR1372429,1068
2015-05-11,Bank account or service,Checking account,"Account opening, closing, or management",,"Basically I started an account with Eagle National Bank because I really love what there bank has to offer. A week or so later they close my account and tell me to come and pick up my money at a location and still to this day will not give me a reason why or will not allow me to have an account with them 
",,Consent provided,Web,2015-05-11,Closed with explanation,Yes,No,CR1369816,4406
2015-05-11,Bank account or service,Checking account,"Account opening, closing, or management",,"Changing account type without authorization My XXXX Account number : XXXX was charged a maintenance fee for several month. When I opened the account I was told there is no minimum balance requirement. I was charged this fee for the last five months. I would like these charges refunded. 
",,Consent provided,Web,2015-05-11,Closed with monetary relief,Yes,No,CR1370169,1048
2015-05-11,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I applied for XXXX about a month ago after hearing alot of positive feedback. I was looking for a flexible summerjob and it seemed to be XXXX. I filled out the information on the website that was required. I did not do a backgroundcheck for that required extra money. About XXXX days later, I received an email from someone who claimed to be XXXX and needed a babysitter for his son XXXX for the summer months as they move to XXXX for vacation. I was excited andagreed to the offer. I was also told that I would receive a week for the job for XXXX times a week. I was told I wouldreceive a check in the mail to run errands before they arrive. The check came and it would not process through the bank. 
The bank told me it was because I am not used to depositing such a large amount ( {$1900.00} ) at once for I usually depositbetweeen $ XXXX {$400.00}. 

The next job offer I received was to babysit a babygirl named XXXX a few times a week. The dates would n't confilct soI took the job. This time the check was for {$2700.00} to send to housing agents and someone to ship the toys for the kid. 
The story was the family got relocated for a job. I was supposed to meet them Monday XXXX XXXX for icecream to meet thefamily. 

The last job offer was from XXXX XXXX siply to run errands, not to babysit. The check was for {$1800.00}. 

Overall, the bank did not tell me these checks were fraudulent so I transferred the money and now the banks are asking for {$3500.00} to pay back. 
",,Consent provided,Web,2015-05-11,Closed with explanation,Yes,No,CR1369495,2759
2015-05-11,Bank account or service,Checking account,Deposits and withdrawals,,"Money and Checks were laundered, embezzled by Eagle National Bank, on a Student account held by EN at XXXX in NM in association to a student loan over payment. 
",,Consent provided,Web,2015-05-12,Closed with explanation,Yes,Yes,CR1368946,327
2015-05-11,Credit card,,Cash advance,,"1 - I have been mislead on by Eagle National Bank Credit Card associate when ordered cancellation of my Cash Advance checks. 
2 - At this point all XXXX checks I want to cancel had not been reaching the bank yet. Also, I did not remember the numbers on my checks. The misleading was done after I had ask if I can skip my credit card cancellation and wait for my checks will come to the bank instead. I was hope the bank can cancel these checks after this request. The associate had agreed with this proposition. He not tell me this way bank can not proceed my request. 3 - by the time when my checks reach the bank my request had been denied. 
4 - All my attempt to resolve this situation with Credit Card company was denied. My main branch of Eagle National Bank help me contact to the top manager through their telephone and later to sign up a complain. But Credit Card department did not take responsibility for their misleading instructions. 
",,Consent provided,Web,2015-05-11,Closed with explanation,Yes,No,CR1369326,582
2015-05-11,Credit card,,Other fee,,"1. The Eagle National Bank website has XXXX separate places where payments can be made. As a result, I mistakenly paid {$10000.00} XXXX on XXXX/XXXX/15. I attempted to fix this with BofA at that time but they told me they could not do anything about it. In the end, my credit union bounced the second {$10000.00} payment, which was reflected on the BofA website on XXXX XXXX ( along with a {$25.00} bounce fee, which I accept ). 
2. Throughout this period, the BofA website said that my payment due for XXXX/XXXX/15 was a NEGATIVE amount. Even after the {$10000.00} returned payment appeared on their website, the payment due never became a positive amount. In the end, I paid the {$34.00} indicated as the minimum payment on XXXX/XXXX/15. 
3. At which point, on XXXX/XXXX/15, I was charged {$53.00} for interest. On XXXX/XXXX/15, I was charged an additional {$87.00}. I expect to be charged further on XXXX/XXXX/15. 
4. I am attempting to pay the account down to XXXX to end these charges, but have not been able to do that yet. 
5. I ask that the interest charges be XXXX out. ( I will accept the {$25.00} charge for the initial check return, EVEN THOUGH this is due to the website indicating that I had not set up a payment when in fact I had. ) 
",Older American,Consent provided,Web,2015-05-11,Closed with monetary relief,Yes,No,CR1369308,2440
2015-05-11,Credit card,,Other fee,,"According to the Credit Card Agreement governing our account, "" An Annual Fee of {$59.00} [ is assessed ] in XXXX 2015. The Annual fee will be assessed each XXXX if your account is open or if you maintain an account balance, whether or not you have active charging privileges. '' ( Page XXXX of Credit Card Agreement for XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2015, the account was assessed a fee of {$59.00}, identified on the billing statement as "" ANNUAL FEE. "" I contacted the company and asked them to remove the fee. According to the terms of the Credit Card Agreement, the annual fee shall be assessed "" each XXXX. '' There is no provision that authorizes an annual fee charged in XXXX. There is no provision that allows an annual fee to be charged at a later date if it is not charged in XXXX. 

The company refused to remove the fee, arguing that since the fee was not charged in XXXX 2015, it was now due. I disagree because we received no notice of a change in the terms of our Credit Card Agreement authorizing an annual fee in any month other than XXXX. 
",,Consent provided,Web,2015-05-11,Closed with explanation,Yes,Yes,CR1369872,1747
2015-05-11,Credit card,,Identity theft / Fraud / Embezzlement,,"Continuous fraudulent charges have been on my XXXX credit card for a total of {$570.00} ( See attachment XXXX ). The charges have been happening since XXXX 2013 and have been carried out by XXXX companies, XXXX XXXX and XXXX XXXX, which are associated with the XXXX XXXX XXXX XXXX XXXX conglomerate. Eagle National Bank desestimated my claim. 
",,Consent provided,Web,2015-05-13,Closed with explanation,Yes,No,CR1369203,1308
2015-05-11,Credit card,,Billing statement,,"The monthly statment from my credit card company comes in an extremely plain, nondescript envelope without any marking or indication whom the letter is from. The envelope merely says "" your statment enclosed. '' The return address is an ambiguous XXXX XXXX . The back it says to visit the website but does not say which website. This seems like it is a practice intended to cause the statement to be confused with junk mail and thrown away causing consumers to miss their payments. This is wrong. 
",,Consent provided,Web,2015-05-11,Closed with explanation,Yes,No,CR1370162,3211
2015-05-11,Bank account or service,Checking account,Problems caused by my funds being low,,"HelloEagle National Bank keeps charging me overdraft fees even when I make a deposit on the same dayI have been charged over XXXX XXXX dollars in overdraft fees because they do n't post deposits first they post them last. I called them and they were so rude to me they said they cant help me because of my history of over drafting, I feel that this is wrong there software is designed to rip consumers off 
",,Consent provided,Web,2015-05-11,Closed with explanation,Yes,No,CR1369600,280
2015-05-11,Bank account or service,Checking account,Problems caused by my funds being low,,"On Friday, XXXX XXXX, 2015, I had a balance of XXXX in my checking account with Eagle National Bank. During the course of the weekend, there were XXXX withdrawals made by me for {$20.00} each ( total of {$60.00} ) which were deducted immediately from my balance, leaving a balance of {$84.00}. On XXXX, XXXX XXXX, 2015, a check from my insurance company was presented for payment to Eagle National Bank in the amount of {$660.00}. This was submitted earlier than it should have been. Upon checking my account online on Monday morning, I discovered that Eagle National Bank had charged me not only the {$35.00} overdraft fee ( which I was willing to take responsibility for ), but XXXX additional {$35.00} charges for the XXXX withdrawals made over the weekend, a total of {$100.00}. 
I contacted the manager at Eagle National Bank. She explained to me that even though the withdrawals were made over the weekend AND they were immediately deducted from my balance AND they were made before the insurance check was submitted for payment, the insurance check is processed XXXX because they go from largest to smallest. As a result, the debits were deemed insufficient funds and I was charged the {$100.00}. I advised her I was more than willing to take responsibility for the overdraft on the insurance check, but to charge me the additional {$100.00} was completely ridiculous. She refused to refund those fees. As a result, my account was now seriously overdrawn and continued to remain overdrawn. They continued to process things through my account, XXXX and XXXX times, continuously charging a fee every time. 
I am a XXXX XXXX mother, supporting my household on my own. I did not have the additional {$100.00} to deposit into my account. I explained this to the manager who could have cared less. To me {$100.00} is a lot to come up with. I subsequently did not use the account after that time. 
From the beginning of the initial overdraft, Eagle National Bank has charged me {$260.00} in overdraft charges. I am now receiving letters threatening a collection action if I do n't pay the negative balance of - {$360.00}. I have had this type of problem before with Eagle National Bank and it was resolved in my favor. I have not been a customer of Eagle National Bank for a few years and recently went back because my pay check is drawn on that bank and I was being charged {$7.00} every time I wanted to cash my check. 
",,Consent provided,Web,2015-05-11,Closed with explanation,Yes,Yes,CR1370430,2006
2015-05-11,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-05-13,Closed with explanation,Yes,No,CR1368906,10023
2015-05-11,Credit card,,Arbitration,,,,Consent not provided,Web,2015-05-11,Closed with non-monetary relief,Yes,No,CR1368882,4534
2015-05-11,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-05-11,Closed with explanation,Yes,Yes,CR1370363,992
2015-05-11,Credit card,,Transaction issue,,,,Consent not provided,Web,2015-05-11,Closed with explanation,Yes,No,CR1369000,2582
2015-05-11,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-05-11,Closed with monetary relief,Yes,No,CR1370497,4029
2015-05-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,Other,Web,2015-05-11,Closed with explanation,Yes,Yes,CR1370171,4571
2015-05-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-05-11,Closed with explanation,Yes,No,CR1369289,2125
2015-05-10,Credit card,,Bankruptcy,,"Acct closed under Chp XXXX bankruptcy in XXXX/XXXX/09 Eagle National Bank. 
",,Consent provided,Web,2015-05-10,Closed with explanation,Yes,No,CR1368690,252
2015-05-10,Credit card,,Transaction issue,,"The Target Store credit card provides 5 % discount at point of sale, so if I bought something for {$100.00}, I would be charged {$95.00} only. If I returned the item to Target, they would refund me back {$95.00} only as that is all I paid. 
However, if you look at the attached receipts and calculate, you 'll notice a lower refund amount in each if you calculate the 5 % difference. So, in the case of the first receipt on the left, the amount of item was {$4.00}, the refund back to me should have been around {$4.00} cents. Instead, Target kept back XXXX cents and returned me {$4.00} only. 
This small STEALING is inappropriate and I tried for a long time by emailing or speaking with Target to no avail. This is not just deceptive and abusive, it is literally STEALING. I am a regular customer at Target and do n't know how long this issue has been going on, as also with other customers. I should just file a class action against Target and Eagle National Bank USA. 
",,Consent provided,Web,2015-05-10,Closed with explanation,Yes,Yes,CR1368703,5911
2015-05-10,Credit card,,Other,,,,Consent not provided,Web,2015-05-10,Closed with explanation,Yes,No,CR1368565,544
2015-05-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-05-10,Closed with monetary relief,Yes,No,CR1368648,953
2015-05-09,Bank account or service,Checking account,Deposits and withdrawals,,"I am with Eagle National Bank now I was charged XXXX times for XXXX items that were okBut not XXXX extra times XXXX is legit but XXXX are notI was charged a overdraft fee when I was n't overdrawnThis is not the XXXX time they have tried to do this I catch themEach time now they do n't want to change what they did wrongAnd the posting of items is false 
",,Consent provided,Web,2015-05-09,Closed with monetary relief,Yes,No,CR1368403,2231
2015-05-09,Bank account or service,Checking account,"Account opening, closing, or management",,"I have had accounts with Eagle National Bank since XXXX, with my last one being a XXXX account since XXXX or XXXX. 

I sometimes get international wire transfers from my parents and even though they pay up in advance ALSO for the receiving bank fees ( in this case, Eagle National Bank ), Eagle National Bank intermittently tries to charge me the fees as well ( as they have done in XXXX of this year ). 

I do n't pay monthly fees on my checking account and never have ( I do n't use checks, I do n't receive paper statements, etc ... ). I ca n't do direct deposits and have not had any since XXXX since I have been injured since XXXX of XXXX and have been undergoing treatment since then, and total XXXX checks are only paid by check ( which I have only been using my Eagle National Bank checking account to deposit them ). So basically I deposit XXXX checks every year with XXXX weeks in between each deposit. 

Every few years or so, they suddenly decide to charge me monthly "" maintenance fees '' to which I never agreed to since there were no fees of any sort when I opened my account. I have tried calling them the first few times this occurred, only to be bounced around from XXXX representative to another, and after spending hours on the phone with no clear answer or resolution, I had to spend even more hours going to a local branch to speak directly with managers. While I had XXXX person who resolved the issue at the time, the others would come up with conflicting answers, and I would end up filing a complaint with the XXXX. 

Every single time, I would specifically request NOT TO HAVE ANYONE CALL ME since I would have no desire to waste an more of my time listening to excuses which I would have already heard until I would eventually end up filing a complaint, and would specifically state in my complaint to just remove the fees or that I would close my account with them. Each time, I had a XXXX from XXXX call me numerous times, leaving around half a XXXX messages, apologizing and explaining why they had charged me those fees, and eventually the fees would be removed. 

I was looking at my online statement today and saw that I was charged a monthly maintenance fee out of nowhere, with no warnings, no explanations, and NO PRIOR NOTIFICATION. 

After wasting XXXX minutes listening to the automated voice telling me to state the reason why I wanted to speak to a customer service representative, refusing to connect me without a reason at first, and then NOT UNDERSTANDING THE REASON I STATED, XXXX decides to file a complaint. 

I basically am not agreeing to paying any fees and to have the fees returned since I have never agreed to any fees, not to mention I have n't even been properly notified. If they want to charge future fees, I am simply going to cancel my account, period. I have XXXX other accounts I can use with other institutions, and the only reason why I have n't been using them is inconvenience. I have had all my payments set to be paid by my Eagle National Bank account for years ( not to mention they make money from me having about $ XXXX worth of transactions done every year through that account ), and I never felt the need to use any other accounts for those. It 's basically a habit, plus it 's convenient not to have to spend a few hours setting new forms of payment for my cards and monthly payments. 
",,Consent provided,Web,2015-05-27,Closed with explanation,Yes,Yes,CR1368482,633
2015-05-09,Bank account or service,Checking account,Deposits and withdrawals,,"MY NAME IS XXXX XXXX ON OR ABOUT XXXX OF 2012 A CHECK LOOKED TO BE DEPOSITED INTO MY BANK ACCOUNT AT Eagle National Bank.SINCE THE TRANSACTION MY ACCOUNT WAS CLOSED AND REPORTED TO CHECKSYSTEM ON XXXX XXXX FOR SUSPECTED FRAUD ACTIVITY. I HAVE MADE MULTIPLE CONTACTS WITH Eagle National Bank IN TRYING TO FIX THE SITUATION. I HAVE ATTEMPTED TO ASK FOR PROOF THAT IT WAS ME DEPOSITING THE CHECK LIKE A VIDEO OR PICTURE SINCE THE CLAIM WAS A DEPOSIT OF A CHECK TO THE BANK. I HAVE ALSO ASKED TO VERIFY AND PROOF THAT THE SIGNATURE ON THE CHECK THEY CLAIM I HAVE DEPOSITED IS IN FACT MINE. I WAS DENIED TO BE SHOWN ANY VIDEO OR PICTURE TO SUSTAIN THEIR CLAIM, ALL I HAVE BEEN GIVEN IS A PICTURE OF THE FRAUDULENT CHECK WITH A SIGNATURE THAT IS CLEARLY NOT MINE. I DID NOT TAKE PART OF NO FRAUDULENT ACTIVITY WITH Eagle National Bank.I HAVE DISPUTED THE ACCUSATION ON CHECK-SYSTEMS AND RECEIVED THE SAME PROOF JUST AN IMAGE OF THE CHECK AND YET NO VALIDATION OF MY SIGNATURE NORE IMAGE OR VIDEO TO BE ME.THIS HAS MADE IT DIFFICULT FOR ME IN SUSTAINING A BANK ACCOUNT TO BE ABLE TO FINANCIAL ORGANIZE MYSELF AND MY FAMILY. 
",,Consent provided,Web,2015-05-09,Closed with explanation,Yes,Yes,CR1368251,1449
2015-05-09,Credit card,,Payoff process,,,Servicemember,Consent not provided,Web,2015-05-09,Closed with explanation,Yes,No,CR1368367,3628
2015-05-09,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-05-09,Closed with explanation,Yes,No,CR1368431,8287
2015-05-09,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-05-09,Closed with explanation,Yes,No,CR1368475,2070
2015-05-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,Consent not provided,Web,2015-05-09,Closed with explanation,Yes,No,CR1368229,542
2015-05-08,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank refuses to add beneficiary to accounts for attorney-in-fact presenting duly registered North Carolina durable power of attorney. 
",Older American,Consent provided,Web,2015-05-08,Closed with explanation,Yes,Yes,CR1367966,3148
2015-05-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,"HiI previously lived in XXXX, XXXX and at the time of move to XXXX ( 2008 ), I opened a Eagle National Bank account to make use of their national branches. I opened the account at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I was provided a checkbook obviously with a routing number and account number. I used that routing number since 2008. In XXXX of this year I ran out of checks with my account and requested a new checkbook through Eagle National Bank 's website. Unbeknownst to me ( without any notice ) Eagle National Bank changed my routing number. Around the same time, I filed my taxes with a firm that filed my taxes last year. They used my routing number and account number they had on file. My check with the IRS bounced since the IRS was using the "" old '' and now expired routing number. Also, my refund with the State of Virginia was deposited into my account also because of the routing number error. I contacted Eagle National Bank to alert them to this matter but have not yet received a satisfactory response. I subsequently sent a check to the IRS and am in the process of clarifying the error with State of Virginia. I have also updated as many e-check/auto payments as I can remember but I am concerned that checks/electronic payments that I have not yet updated will bounce. Eagle National Bank has not provided me with any set of procedures or accounting for payments that do not get processed as a result of the change of routing number. I am concerned about my credit and not honoring payments as well as not receiving payments, such as the State of Virginia tax return. 
",,Consent provided,Web,2015-05-08,Closed with explanation,Yes,Yes,CR1367390,717
2015-05-08,Bank account or service,Checking account,Deposits and withdrawals,,"on or about XXXX/XXXX/15 XXXX XXXX credit withdrew XXXX of dollars from my wifes checking acct when she was trying to make an automated payment of {$25.00}. a XXXX later, she was admitted to XXXX XXXX, and we were not aware of the problem until over a week later. we contacted XXXX XXXX, ( the credit card co ), and Eagle National Bank almost on a daily basis for a XXXX of weeks, this included several XXXX way calls with both companies reps. I have also made a couple of visits to the bank and spoken with the manager ( who by the way is short with me, and dismissive of my concerns. ) XXXX XXXX reps have been very helpful in trying to resolve this problem, but the mgr at the bank has been hanging up on them and totally unhelpful. the money was sent back to my wifes acct on wed XXXX from XXXX XXXX in the amount of {$500.00} but nothing has showed up in my wifes acct, which has been in the negative {$170.00} for over a month. this acct is only for her small XXXX check ( approx. {$200.00} mth ) According to Eagle National Banks rep, there is no record of this transaction, and the people at XXXX XXXX have a record of it being sent on XXXX @ approx. XXXX XXXX EST. I NEED Y0UR HELP!! I have called and called and as of today ( XXXX XXXX ) there is still no action, and the acct is still negative. I do n't know what Eagle National Bank is doing with this money, but they are totally dismissive of my concerns. please 
",,Consent provided,Web,2015-05-08,Closed with monetary relief,Yes,No,CR1366942,3445
2015-05-08,Credit card,,Credit card protection / Debt protection,,"Every few months or so, my credit card is compromised, and I am forced to change cards, and all my auto payments that are made using it, need to be changed with all companies that I do business with. If that is n't bad enough, I can not find out who / what company it is being compromised by ... so I can opt to pay cash at that company in the future. This is a waste of my time and energy - having to change everything all the time. I deserve to know what is going on with my card if I call and ask. 
",,Consent provided,Web,2015-05-11,Closed with explanation,Yes,No,CR1366720,11147
2015-05-08,Credit card,,Other,,"I was issued a merchant credit on XXXX/XXXX/2015 and it simply did not arrive on my credit card. This was due to the fact that the original card had been breached and a new number issued. The Big Bank told me in XXXX of several calls I made that they had no technology to move the credit to the new number. After at least XXXX phone calls I completed and online chat and was told they would be able to send the money ( in cash ) to my bank account but it would take 2-5 business days. Surprise after 5 days NO money. I reached out again -- -this time an online chat agent told me the exact same story -- -ANOTHER 2-5 business days and this woman told me to print out the chat as her word that it would happen as she said. GUESS WHAT -- -another 5 business days and no money. I now went into a branch to speak to a live person who called the big guns and when I left he told me that it would not be 2-5 business days but likely LONGER. NOW this bank has held MY money for 38 days. If I pay late I am charged interest but its OK for them to hold my money well over a month with no repercussions? I finally recognized the power of social media and when I posted on FB I got a fairly immediate response HOWEVER now the credit has posted well past the original date of the charge forcing me to pay for it and get my money back when I next pay my bill thus extending the time I am out my money. I feel i should be compensated in some fashion for the HOURS of my time spent chasing my own money AND having to wait for it. If this were a regular bill since they owed me the money the bank would have to pay me late fees and interest. Today I received a call form the social media team who were somehow able to get the credit sent to my new card ... funny how no one could do it before. 
",Older American,Consent provided,Web,2015-05-08,Closed with explanation,Yes,Yes,CR1367206,3588
2015-05-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank USA/TARGETCREDITAddress:XXXX XXXX XXXX # XXXX, MN XXXX ( XXXX ) XXXX Number : XXXX .... 
Address Identification Number : XXXXThis is not my account, I have no knowledge of how or why it is showing up on my credit report. 
",,Consent provided,Web,2015-05-11,Closed with explanation,Yes,No,CR1366682,2246
2015-05-08,Credit card,,Payoff process,,,,Consent not provided,Web,2015-05-08,Closed with explanation,Yes,Yes,CR1366818,9217
2015-05-08,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-05-11,Closed with monetary relief,Yes,No,CR1366640,7614
2015-05-07,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank withdrew {$11000.00} from my checking account I had deposited to pay an electrician. I did not authorize this transaction and they claim it was to satisfy an outstanding debt. I dispute the validity of this debt and challenge their right to "" reach '' into my checking account on a whim to satisfy it. I have spent hours on the phone with multiple departments at EN and have not been able to resolve this. 
",,Consent provided,Web,2015-05-07,Closed with explanation,Yes,Yes,CR1364670,3186
2015-05-07,Bank account or service,Checking account,Using a debit or ATM card,,"I have a business checking account with Eagle National Bank. My ATM cards magnetic strip apparently wore out, because XXXX ATM machines at the branch had trouble reading it. After repeated attempts at the XXXX ATM 's I was finally able to perform my transaction. I logged into my account to request another card, and it said a fee would be charged for cases like lost cards, which makes sense, but it did n't clearly say if a fee would be charged if a card wears out. I then went into the branch and told the representative that my card was n't working and I need a new XXXX, but was not willing to pay a fee. She then typed on the computer and told me a new card would be mailed, and said nothing about a fee. XXXX days later ( this morning ) I log into my account and see they charged {$5.00} for the new card. This is absolutely unacceptable to charge someone a fee without telling them, especially when they are standing in front of the employee telling them they are not willing to pay a fee. Obviously I 'm furious, because had she told me there would be a fee I would have said do n't order a new card. I 've had multiple problems with EN and this will probably be the final straw that makes me close my account. I will be going back to the branch today to tell them I want the charge refunded, but no matter the outcome I am filing this complaint for their deceptive and unethical business practice. 
",,Consent provided,Web,2015-05-07,Closed with explanation,Yes,No,CR1364705,3544
2015-05-07,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX XXXX, 2015, someone deposited ( not me ) XXXX bad checks into my account and also took the money out. I did n't notice my card was missing until the next morning and did n't discover any of this until I tried to use my card. If you look over the history of my account, I usually pay bills then pull money out ( overdrawing it ) until my next pay check. I do n't deposit bad checks. The activity on the account is not usual. I do get emails and text messages for unusual activity however ; I did n't get any text messages. I did get an email but I did not check them because I did n't have much power on my phone. That day all of this was going on, my lights were off. I made arrangements with the cash I had on me and was scheduled to make a payment on XXXX/XXXX/2015. Because of all of this my lights are off, I have a payroll check that I ca n't get any access too and I have XXXX kids. I have filed a police report and possible names of people who could have possible done something to my account. I have cooperated as much as I can and I have no assistance. My account is about to be closed for something that I have not done and I need my money to take care of my kids. Please help me fix this problem quickly. More importantly, help me get my lights back on TODAY. They have been off since Monday since I did n't keep my arrangement. 
",,Consent provided,Web,2015-05-07,Closed with monetary relief,Yes,No,CR1366036,4726
2015-05-07,Bank account or service,Checking account,"Account opening, closing, or management",,"Opened a account at XXXX XXXX had fraud when disputed itThey said no problem opened me a new accountApparently they then decided new was opened to soonAnd they closed it without my knowledgeThey also applied for a credit card for me I did not authorizeOr ask forI then went to another bank to open a accountAnd was told XXXX report me to check systemFor suspected fraud? I 've been trying to get corrected for5 yrs now ca n't get a account anywhere! 
",,Consent provided,Web,2015-05-07,Closed with non-monetary relief,Yes,No,CR1364512,3977
2015-05-07,Bank account or service,Checking account,Deposits and withdrawals,,"They have charged overdraft fee XXXX times in a roll in XXXX day. Each one was {$35.00}. 
",,Consent provided,Web,2015-05-07,Closed with monetary relief,Yes,No,CR1366659,11008
2015-05-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"XXXX children submitted a Power of Attorney form to the Eagle National Bank office in XXXX XXXX, Virginia at least five weeks ago on a Saturday. The representative told us they would send a copy to their Legal Department for authentification and it would take about XXXX hours for a reply. Each week since I have called or gone to the bank and have been put off for XXXX reason or another. Five weeks is too long I believe. Can you Help. 
",Older American,Consent provided,Web,2015-05-07,Closed with explanation,Yes,No,CR1366639,2156
2015-05-07,Credit card,,Credit card protection / Debt protection,,"About six months ago, I submitted a complaint regarding my Eagle National Bank credit card ( submission number XXXX ). With your help, I was able to resolve the issue within a few weeks ( thank you ). Now, I am in the process of buying a house and my rate is being negatively impacted because Eagle National Bank is saying I had an overdue payment with them. I resolved this issue - I think it it wrong that I am now being penalized for standing up to Eagle National Bank when they had improperly charged me. 
",,Consent provided,Web,2015-05-07,Closed with explanation,Yes,No,CR1364371,1650
2015-05-07,Credit card,,Other fee,,"Eagle National Bank has charged me late fees for several months even though I had signed up for electronic payments which were set as minimum payment by the account manager. Months went by before I was contacted regarding late fees since the minimum balance was not being taken out. I decided to pay off the account which I did before the payment due date and now they are charging me a {$37.00} interest fee, this on top of all the late fees they have erroneously collected from me due to their mistake. 
",,Consent provided,Web,2015-05-08,Closed with monetary relief,Yes,No,CR1366122,10382
2015-05-07,Credit card,,Closing/Cancelling account,,"I have a credit card with Eagle National Bank, which was closed in XXXX/XXXX/08 with settlement. But now it still shows are maximum delinquency of {$1200.00}. Please help to investigate and remove the delinquent amount. 
",,Consent provided,Web,2015-05-13,Closed with explanation,Yes,No,CR1365463,1314
2015-05-07,Credit card,,Customer service / Customer relations,,"I have been a customer of Eagle National Bank for over XXXX years and have not had any late payments, but they reported XXXX XXXX day late payments to the credit agencies. I have stellar credit and have always sent my payments out prior to them being XXXX days late. 
",,Consent provided,Web,2015-05-07,Closed with explanation,Yes,No,CR1365734,3898
2015-05-07,Credit card,,Billing disputes,,"I was contacted by a collection agency about a credit card that I did not know existed. After speaking to them they agreed to turn the debt back to Eagle National Bank as a possible fraud situation. I contacted B of A 3 times by letter explaining that I did not live at the billing address and had n't since XXXX. It appears that my ex wife was using the card, I asked for a copy of the card application and the charges, I also gave them my correct address. This started in XXXX, to date there has been only XXXX response which states that they changed my address in XXXX XXXX. In the mean time they charged off the debt and sent me a XXXX this year for over {$10000.00}. 
",Older American,Consent provided,Web,2015-05-07,Closed with explanation,Yes,No,CR1364672,3436
2015-05-07,Credit card,,Customer service / Customer relations,,"On XXXX XXXX BankAmerica ( BA ) failed to autodebit my credit union bank account for the balance due on my XXXX account ending in XXXX, although my auto debit was still in active status. As a result BA charged me fees and interest and claimed I was in arrears. On XXXX XXXX I began 10 days of calling, emailing, chatting, and writing BA. The problem was not fixed despite numerous acknowledgements that this was a BA error and that the fees/interest would be refunded. Finally I was able to make the payment by phone on XXXX XXXX. But by XXXX XXXX, although BA debited my credit union account for the amount due, the online report of my XXXX account did not acknowledge the payment or show a refund. I have lost XXXX work hours and undergone enormous stress as a result of this consumer service breakdown. I am enclosing the XXXX letters written. The last letter, to CEO XXXX, states what I need to have this problem resolved. 
",Older American,Consent provided,Web,2015-05-07,Closed with monetary relief,Yes,Yes,CR1366658,13673
2015-05-07,Credit card,,APR or interest rate,,"Recently, I 've been having difficulty meeting my minimum payments on XXXX of my credit cards with Eagle National Bank. I 've called and explained to them the situation, after being a loyal customer of theirs for many years, no one seemed to care about me and my situation, rather only cared about their money and their high interest rate. In my time of need, I asked them to lower the interest rate and/or work out a payment. I was declined XXXX options. I do n't think I am being treated fairly. They are only out to receive their high late payment and interest fees. They have no interest in what 's best for the customer. 
",,Consent provided,Web,2015-05-07,Closed with explanation,Yes,Yes,CR1366134,1429
2015-05-07,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-05-07,Closed with explanation,Yes,No,CR1365807,425
2015-05-06,Bank account or service,Other bank product/service,Using a debit or ATM card,,"RE : XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau-SUPPLEMENT TO XXXX XXXX, 2015 DISPUTE TO COMPLAINT NUMBER:XXXX ( XXXX ) Again, I do not owe EN for a XXXX rental car where their XXXX representative ( located within the landrover car dealership at XXXX XXXX XXXX XXXX Georgia XXXX ) have pushed unauthorized charges on closed accounts at both XXXX bank and on an ebanking account with Eagle National Bank. What they are doing and have done constitutes BANK FRAUD. I do not owe XXXX rental car anything especially when OVERWEIGHT, DUMB SHERIFFS ACTING ON LAWYER JUDGES INAPPROPRIATE ORDERS FALSELY ARREST ME, XXXX, WHEN I AM ATTEMPTING TO RETURN A COMPLIMENTARY RENTAL CAR I DO NOT WANT ... NEVER DID. 

Now, I am STRONGLY advising your EN to remove their DELINQUENT AND FRAUDULENT EN AMOUNTS OUT OF MY NAME BECAUSE I OWE EN N-O-T-H-I-N-G AND NOW you ARE OBSTRUCTING JUSTICE. PLEASE REMOVE YOUR DESPERATE MEANS OF COLLECTING ON A DEBT I DO NOT OWE. IF YOU DO NOT, I KNOW WHOM IS EAGER TO HELP YOU REMOVE YOUR DELINQUENT\FRAUDULENT EN AMOUNTS AWAY FROM ME, XXXX XXXX BECAUSE I OWE THOT EN UNEQUIVOCALLY NOTHING. 

I have walked into your local branch banks XXXX times with ALL THE EVIDENCE TO REMOVE XXXX XXXX. This is MY LAST REQUEST. 


Sincerely and Respectfully, XXXX 
",,Consent provided,Web,2015-05-06,Closed with explanation,Yes,Yes,CR1364068,3149
2015-05-06,Bank account or service,Checking account,"Account opening, closing, or management",,"This is about Checking account with Eagle National Bank. We ( myself and wife ) have been using this account from past XXXX years to deposit salaries, pay for utility bills, credit card bills and lot of other day to day stuff. One day, without informing us they froze our accounts as they needed more information ( name, address, phone number etc ). Freezing of account occurred during XXXX week of the month - exactly when all BILLS and credit card payments were scheduled. Due to this unannounced freezing, none of our bills got paid and we end up incurring late payment fees and more importantly, affected our credit history. This action not only created payment delays but created lot of unnecessary stress to me and my wife and affected our outstanding credit history. 
",,Consent provided,Web,2015-05-06,Closed with monetary relief,Yes,No,CR1363387,259
2015-05-06,Credit card,,Other,,"FIA Card Services ( FIA ), issued me personally a XXXX in XXXX 2013 on a business debt ( an LLC ) of {$8800.00}. The card was obtained for business purposes. The card and all statements showed that it was a business card. FIA never reported the card on my personal credit report. FIA knew that the debt was a business debt and issued me with the XXXX anyway. I called repeatedly, but FIA would not correct the XXXX. I could not afford a tax professional, so I reported it and paid for it on my 2013 federal and state tax returns. 
",,Consent provided,Web,2015-05-06,Closed with explanation,Yes,Yes,CR1364081,1140
2015-05-06,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank has been charging me illegitimate maintenance fees on my account ( the _sum_ of balances on my accounts must be & gt ; $ XXXX to avoid a charge ; they fail to consider the sum of my accounts, and charge me a fee because one of my accounts has a balance & lt ; $ XXXX ). Each time I complain, they agree that the fee should have not been charged. Then they reverse the charge and file paperwork to correctly pair the accounts when assessing fees, and assure me that the fee wo n't be charged on the next billing cycle. But it does appear on the next cycle. For more than a year now I have had to go to my local branch, complain on the phone, or complain via email to get the problem solved. It is becoming tedious. Clearly the CSRs I am dealing with are unable to resolve the issue, so I am appealing to the CFPB for assistance reaching a more appropriate contact. 
",,Consent provided,Web,2015-05-06,Closed with non-monetary relief,Yes,No,CR1363070,415
2015-05-06,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-05-06,Closed with explanation,Yes,No,CR1363220,134
2015-05-06,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-05-06,Closed with explanation,Yes,Yes,CR1364541,5
2015-05-06,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-05-06,Closed with explanation,Yes,No,CR1363008,9611
2015-05-06,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Servicemember,Consent not provided,Web,2015-05-06,Closed with explanation,Yes,Yes,CR1365974,1318
2015-05-05,Bank account or service,Checking account,Using a debit or ATM card,,"The bank charged a fee for me to check my balance on another bank 's ATM. This is ridiculous and I have never seen this fee for doing this before. 
",,Consent provided,Web,2015-05-05,Closed with monetary relief,Yes,No,CR1361133,4289
2015-05-05,Credit card,,Other,,"The monthly amount due on my credit card is inconsistent. My monthly statement gives XXXX amount. The online banking alert of credit card payment due ( an email from them ) gives a different amount. I 've contacted them several times to correct this, but the problem still remains. The final straw was this evening when I called again, and politely but pointedly asked for some action to be taken. I was transferred to another department which had already closed for the day. A horrible way to treat a customer. 
",,Consent provided,Web,2015-05-05,Closed with explanation,Yes,No,CR1361857,2547
2015-05-05,Credit card,,Late fee,,"We pay Eagle National Bank {$500.00} every XXXX weeks ( XXXX times per year ) automatically. The total amount due per month continues to vary right around the {$500.00} level. So now they have changed our minimum to {$550.00} total per month and are saying we are being penalized for not paying enough even though we pay well above the minimum monthly fee. Plus they changed our due date so we get another penalty. 

So net we pay {$1000.00} per month yet we get dinged even though we only owe roughly {$450.00} to {$550.00} per month. 
",,Consent provided,Web,2015-05-05,Closed with monetary relief,Yes,No,CR1361008,4217
2015-05-05,Credit card,,Closing/Cancelling account,,"Target acct # XXXX Closed XXXX/XXXX/14 still showing on my XXXX report. Need to be removed. 
",,Consent provided,Web,2015-05-05,Closed with non-monetary relief,Yes,No,CR1362071,514
2015-05-05,Credit card,,Customer service / Customer relations,,"While conducting online banking within Eagle National Bank website, I attempted to make payment in full on my EN XXXX credit card by transferring funds from checking to CC account. Somehow the transaction of {$920.00} was processed XXXX times. After Four Weeks I recieved a message that my checking account was low in funds and I transferred {$4000.00} the same day. Also I checked the accounts and found these XXXX extra transfers totaling over 2700. I contacted Eagle National Bank online and in person at a branch office. The manage informed that the problem would be resolved ASAP .. Now it is week later and I returned to the same EN branch and the Manager contacted the cc department and was informed XXXX to XXXX additional days for a refund to be transferred This is unreasonable to wait so long for my money and to deal with a computer glitch.. Can you help me 
",Older American,Consent provided,Web,2015-05-05,Closed with non-monetary relief,Yes,No,CR1361879,3465
2015-05-05,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-05-05,Closed with explanation,Yes,No,CR1362542,2406
2015-05-05,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-05-05,Closed with monetary relief,Yes,Yes,CR1362094,4122
2015-05-05,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2015-05-07,Closed with explanation,Yes,Yes,CR1360615,546
2015-05-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-05-05,Closed with explanation,Yes,No,CR1360532,4412
2015-05-05,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-05-05,Closed with explanation,Yes,No,CR1360847,934
2015-05-04,Bank account or service,Checking account,Deposits and withdrawals,,"I went to Eagle National Bank on XXXX/XXXX/2015, and deposit {$1000.00} in coins into my checking accountI fill out an deposit slipThe bank teller took my deposit slip, attach it to the coins and give me an ACKNOWLEDGEMENT of RECEIPT of COINS, he told me that the bank would cont the coins and credit my account in a few days. 
A few days after I check my account, I was only credited for {$190.00}. 
I went to the same branch to get some answers, and found out that the bank teller, wrote down {$190.00} on the paper work that he turn in instead of {$1000.00} and there is problemI have made XXXX trips to the branch, I call at least XXXX times. 
",Older American,Consent provided,Web,2015-05-04,Closed with explanation,Yes,No,CR1359081,1768
2015-05-04,Credit card,,Other,,"I received a letter dated XXXX XXXX From Target credit cardServices Via EN.Bank stating that they declined my application dueto me have too many recent inquires and a collection on myaccount from XXXX that I have already token care of and theydeclined my application because also to many recentinquires that when yall were supposed to remove all of thembecause most of them were fraud accounts and I really don'tthink that this is fair I have a lot that I have to go thru whenapply for stuff because of all of this please dosomething about this. 
",,Consent provided,Web,2015-05-06,Closed with explanation,Yes,No,CR1360467,693
2015-05-04,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,Consent not provided,Web,2015-05-04,Closed with explanation,Yes,No,CR1359772,249
2015-05-03,Bank account or service,Checking account,Deposits and withdrawals,,"I went to the ATM to deposit some money and process a small withdrawal. For some reason Eagle National Bank thought it was ok to block my card so that I was unable to use it. They provided me with a printout of the number I could call to resolve the issue. I contacted them at the number they provided XXXX at XXXX and was on hold for XXXX minutes before someone came to the phone. Then I was connected with some fraud representative that told me that I was speaking with the wrong department and that I needed to speak with someone else. She attempted to transfer me to another department and came back after XXXX minutes stating that there was a long hold time and that the reason for my block was due to them needing to verify my deposit. My CASH deposit! She then asked me if I would like to continue to hold and after waiting on hold for about XXXX minutes, she came back and told me that the other department closed at XXXX and I would have to call back on the following business day. I asked to speak with a supervisor and she got me a supervisor. The supervisor said the same thing, there was nothing she could do. So here I am with a bank account full of money, on a Sunday evening being told that I cant use my money! So my family has to suffer the rest of the evening, my XXXX year year old daughter ca n't eat because Eagle National Bank decided to put a hold on MY MONEY!!!! this is not right, this should never be allowed to happen! How can a bank place a block on your account without even attempting to contact the person firs or at least having the decency to keep the department open long enough to resolve the issue! I asked the supervisor XXXX XXXX ( XXXX ) to give me someone else who could fix the issue, I asked to speak with her boss and after XXXX minutes of back and forth and her telling me that there was no one else in the entire Eagle National Bank corporation with a title/pay grade above hers that she could get me to, she finally said she would transfer me to customer service. However she transferred me to a non working number. This lady should be fired she had no empathy ( sure she said i understand your frustrated ) she never even freaking apologized! Here I am with no money because they took my last bit of cash ( the {$15.00} I deposited ) but will not allow me to use my card for purchases. This should be illegal. I asked them to compensate me for the troubles they put my family through and she said they would not compensate me for anything. 
",,Consent provided,Web,2015-05-03,Closed with monetary relief,Yes,No,CR1358331,816
2015-05-02,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Eagle National Bank. Not a good option for XXXX XXXX military. 

In XXXX XX/XX/XXXX XXXX on active duty. Just before XXXX I replaced my BankAmericard Cash Rewards Visa. I had automatic bill pay setup for the account, but it did not carry over to my new card. I was not warned against this when I changed my card. Due to the fact that I was XXXX I did not receive my statements in a timely fashion so I did not see that I had an outstanding bill of approximately {$95.00}. Unknowingly my account went into delinquency. 

I noticed this - not from BOFA - but when I checked my credit to find a delinquency. In XXXX I noticed my credit score dropped XXXX points because my BOFA account was past due. Note : BOFA took no steps to notify me, except mail a statement that did not reach me because I was XXXX. The last time I had spoken to BOFA I understood that I had recurring billing set up. I immediately paid the minimal balance and requested that BOFA remove the negative report since it was their fault due to recurring billing fault. I addressed the issue with Eagle National Bank and they did nothing. When I returned from XXXX in XXXX XX/XX/XXXX I noticed I still had the negative report. Since the beginning of XXXX I have spent countless hours on the phone attempting to speak to someone to fix this. The failure of their automatic payment service is the reason why this payment was late. They did not email or call. This is terrible treatment for someone that has limited access to communication because of XXXX service. 

I strongly warn XXXX military to find other banking services. 
",Servicemember,Consent provided,Web,2015-05-02,Closed with non-monetary relief,Yes,No,CR1358332,9775
2015-05-02,Bank account or service,Checking account,"Making/receiving payments, sending money",,"I am a mutual costumer of Eagle National Bank and I have submitted a compliant about a XXXX ago and XXXX of the employee from customer resolution contacted me and notified me that the issue I had was taking care of and they will issue me a balance I had before they terminate my account and i did receive the check from them but when I took it to the bank they said "" the check is invalid '' and they could n't give any explanation as to why. I called the customer service and they said "" there is nothing we can do '' they left me with anger and disappointment. This is the most unprofessional bank I have ever seen. None of them could resolve the issue I have with them. It 's my money and they told me that I had a balance that needs to be given to me but they still have n't returned my money. What kind of bank disappoint some one who has been a customer over XXXX years? 
",,Consent provided,Web,2015-05-04,Closed with explanation,Yes,No,CR1358077,6893
2015-05-02,Bank account or service,Checking account,Using a debit or ATM card,,"I opened a checking account with Eagle National Bank ( BofA ) on XXXX/XXXX/2015. I did it because Bofa offers the possibility of no international fees when a client uses affilliatted banks out of the XXXX. I specifically asked the costumer service Rep ( XXXX XXXX XXXX ) who took my information to check this for me. He confirmed that in XXXX as well as in XXXX I could use ATM without penalty if they were from The XXXX Bank. Prior to my departure I again called to reconfirm the affilliatted banks in XXXX and XXXX. I spoke to XXXX - Costumer service- on XXXX XXXX 2015, and again I was told that I could use XXXX bank to make withdrawals without being assessed a fee. I travel to XXXX between XXXX XXXX to XXXX XXXX. 
To my surprise when I received the checking acct. statement for the balance beginning XXXX XXXX to XXXX XXXX I noticed that I had service fees for withdrawals made at XXXX Bank in XXXX and in XXXX. Immediately I contacted Eagle National Bank to dispute those charges and Spoke both to XXXX as well as XXXX on XXXX XXXX, 2015. XXXX mentioned that Eagle National Bank used to have that bank as affiliated in XXXX and XXXX but that it had changed and that XXXX Bank was no more affiliated with the. She told me that as a courtesy they will remove XXXX of the service fees assessed but the others will remain. She told me that was all she could do and that I should do whatever I need to do. 
My complaint is that I should not be assessed any service fees for this withdrawals since I was very clear in asking XXXX different people from BofA about giving me the information about overseas fees and both mentioned XXXX Bank as affiliated in those countries. 
",Older American,Consent provided,Web,2015-05-11,Closed with monetary relief,Yes,No,CR1357859,540
2015-05-02,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Today Friday, XXXX XXXX, 2015, at around XXXX, I came with my mother to get a check deposit. We had to wait a long line. Finally we got to the counter and met a guy name XXXX. Because my mother had an issue about the check and already talked to another man named XXXX so XXXX told my mother to come back which is today. XXXX then called XXXX to come and talk to us, and XXXX made us so confused, the check can be deposited but he said he was not sure, etc. ( although my mom has resolved this issue with XXXX before and now she was just coming to deposit ), and he turned us to the advisor named XXXX ( she was XXXX ) because he thought my mom did n't understand him. When my mom talked to XXXX I was n't there but when I came back my mom said XXXX told her that just deposit it. Then we had to wait a long line again. When we finally came to XXXX, XXXX called XXXX to come. I then know why my mom did n't understand because XXXX talked to her with the most unrespected way ( my mom is old ), XXXX was very impatient and despised her which made me nearly cry since I was standing there and she was my mom! The check finally got deposited ( thanks goodness! ), that take hours which actually could be done in a few minutes right in the beginning, what we received was both confusing and feeling tired, insulted. 
",,Consent provided,Web,2015-05-04,Closed with explanation,Yes,No,CR1357784,2508
2015-05-02,Credit card,,Late fee,,"Eagle National Bank is charging intrest and late fees before the 30 days time has elapsed. They repeatedly charge interest and late fees on the recent purchases even though I pay the total amount due every month. I have contacted them and they have reversed these charges each time as they agree that the intrest and late fees were applied to my account on amounts that I had not even seen a statement for yet. However, on the next billing cycle they do it again. I believe they are trying to essentially steal money from people that are not paying as close attention to their account as I am. 
",,Consent provided,Web,2015-05-02,Closed with explanation,Yes,No,CR1357858,3300
2015-05-02,Credit card,,Billing disputes,,"Closed a Eagle National Bank credit card on XXXX/XXXX/15. Bank allowed a charge to be placed on a closed credit card on XXXX/XXXX/15. I can not believe that this is legal or allowed. 
",,Consent provided,Web,2015-05-02,Closed with explanation,Yes,No,CR1358063,1238
2015-05-02,Credit card,,Late fee,,"credit card number : XXXX set up automatic payment to "" Pay amount due on due date '' for this Eagle National Bank Visa Card ( under XXXX XXXX XXXX ). However, on XXXX, only minimum payment of {$25.00} was deducted. This resulted in I being charged interest on XXXX ( and potentially future date ), and potentially affect my credit score. I contacted EN but it is a mess there. I was being directed here and there with no resolution. 
The mistake is unexcusable. My family have all kind of credit cards and have never seen a mistake like this. I like EN to:1. correct his promptly and refund any penalty interest charged. 
2. explain to CFPB why this happen and how many customers have been affected by this mistake, how much fee they have collected out of this mistake. 
3. explain to me whether this affect my credit score and correct promptly if it does. 
",,Consent provided,Web,2015-05-02,Closed with monetary relief,Yes,Yes,CR1358146,13448
2015-05-02,Credit card,,Credit card protection / Debt protection,,"I have been banking with Eagle National Bank for more than XXXX years and had no issues with them until recently. Several years ago, they enticed me into signing up for a preferred debit card. They explained to me that this card could be used as a credit and debit. When I would use the card to purchase items, some stores would swipe it as a credit card and I did not have to enter my PIN as they say they were not equipped to use it as debit. I thought that I had no other credit card with the Bank as it was a part of the XXXX card. In XX/XX/XXXX when XXXX XXXX through XXXX of its subsidiary, XXXX was charging {$29.00} to the card ending in XXXX, the Bank was automatically doing a direct debit from my account. When I reviewed statements, and only saw a direct debit payable to FIA Card Services, I thought it was the amounts which were charged to my card when the stores could not debit it. Since I did not anticipate charges on any other card, I did not question the bank as I trusted them. I do n't recall authorizing the Eagle National Bank to debit from my debit account any amounts from a credit card ending in XXXX. I do n't understand how this happened. When I discovered a scam on my debit card in XX/XX/XXXX I went to the branch of Eagle National Bank at the corner of XXXX XXXX and XXXX. I cancelled my debit card and asked the manager, XXXX for a payoff amount to pay off the outstanding amount on the debit card. The manager told me that there was a separate card out there that only a XXXX was charging {$29.00} a month to since XX/XX/XXXX. I could not believe it and immediately called XXXX and the Bank 's fraud department and everyone to help me straighten it out. XXXX XXXX XXXX XXXX XXXX returned XXXX of the charged to the account and approximately XXXX are outstanding. I spoke with many managers and customer service representatives of the Bank and they say they can not help me. Their fraud department said it is not fraud. If it is not, they must be in concert with XXXX or XXXX. I requested an account of all charges ( what items were purchased ) for the amount that the Bank say is outstanding on the card ending in XXXX and to date the Bank have not provided me with that. The last person I spoke with at the branch bank, XXXX said that the Eagle National Bank and the credit card division is separate entity and they can not help with them even though it is someone at the branch bank who signed me up for the card ending in XXXX. I do n't understand what is going on, but please have the Bank go after XXXX for whatever they claim is owed to them. They keep on harassing me for payment. The Federal Consumer Protection Agency and FTC said that the FTC have a settlement claim against XXXX and Eagle National Bank, yet Eagle National Bank refuses to give the form the Federal Consumer Protection Agency instructed me to get from them. 
",Older American,Consent provided,Web,2015-05-05,Closed with explanation,Yes,Yes,CR1357699,6978
2015-05-02,Credit card,,Customer service / Customer relations,,"I have had a Eagle National Bank Master Card for many years. The payment hasbeen set up on Auto Pay from my XXXX XXXX checking account since thebeginning and there has never been a problem making the payment. 
I noticed this month while going thru lots of mail that the account was past due. 
I contacted B of A on XXXX XXXX, at approx. XXXX ; XXXX XXXX to inquire why it was delinquentwhen I was set up on auto pay? I did make the entire payment in full. Therepresentative could n't explain why the auto pay was discontinued, but offered towaive the late fee. I asked for a letter to explain the account was current. 
She then forwarded me to someone to discuss why the auto pay was disconnected. 
XXXX transfers and an hour and XXXX later, someone named XXXX in the auto payIT area told me that several customers were affected because of a software updateglitch that turned off the auto pays. Not only did B of A know this back in XXXX. 
XX/XX/2015 and reversed the late fees automatically, they never contacted the consumersNow I believe I will have XXXX late payments on the perfect credit report. Icontinually asked for a department that could erase the late pays and was transfer-red over and over to card services to re-explain the situation. I was eventually sentto an automated credit services area, not a real person and no one to address myconcerns. 
I am in the process of buying a home and fear this will damage my credit and ability toto qualify. 
I am also very concerned about all the others who were affected and not notified. 
I have been treated very badly by B of A. Any by the way, they cancelled anotheraccount that had no activity, but blamed it on late payments to my credit report. 
Any assistance that can be provided would be very much appreciated. 
",,Consent provided,Web,2015-05-02,Closed with explanation,Yes,No,CR1357860,324
2015-05-01,Bank account or service,Checking account,Problems caused by my funds being low,,"I answered an ad on XXXX that said that there was this family looking for a nanny to take care of their XXXX year old boy. A couple days after I answered the ad the person that put up the ad contacted me through email and gave me a description of how the job would be. I was a little hesitant at first but I accepted the job and once I did they sent me a check for XXXX dollars which was for errands and for my XXXX weeks pay.They had explained to me that they were living in XXXX at the moment due to the mans job with the XXXX and that they would be moving back to the desert on XXXX XXXX. They also explained that their house was being renovated and so a couple days after they told me that they had told me that their renovator needed more money before they could finish the job so I went to the bank and withdrew XXXX because they sent me specific instructions to send their renovator money through XXXX and XXXX XXXX. The amount they wanted me to send was XXXX but I ended up sending the whole XXXX they sent me and 40 dollars out of my own pocket to pay the remaining balance. A day after I sent that money I had checked my bank account and saw that I was negative XXXX dollars and just did n't understand why. After I saw that balance I went to my bank which is Eagle National Bank to see what had happened and I found out that the family had committed fraud against me. The bank told me that I was liable for that money because it was deposited in my account but what I did n't understand was why the bank would process a check that was fraud and let me withdraw XXXX which was money that did n't even exist. I explained this feeling to a banker and all they said was, "" that stinks but we ca n't do anything about it because you are liable for that money. '' The fact that the banker said those exact words to me which started off with something completely unprofessional came to a shock to me because they just were n't going to do anything to help me when this whole situation was n't my fault. They let me deposit a fraud check and than they let me withdraw almost all of that money and in the end I was the one that has to suffer with negative money in my account and I find that that completely unfair. 
",,Consent provided,Web,2015-05-01,Closed with monetary relief,Yes,No,CR1356446,2185
2015-05-01,Bank account or service,Checking account,Using a debit or ATM card,,"I wanted to stop a payment on a reoccurring charge from XXXX XXXX on my Eagle National Bank checking account. I do n't plan on being in the area for a long time but XXXX XXXX needed proof that I was leaving to cancel my membership. I called the bank and they charged me thirty dollars to put a stop payment in place. Two to 3 days later, XXXX was able to access {$96.00} dollars from my debit card. I called the bank again and they told me that since the payment was still processing, I could call back and file a claim to get the money back once the payment went through. I did n't have time to immediately address this matter but after looking at my checking account purchases again, I saw another {$96.00} transaction from XXXX. I called the bank and spoke to a man named XXXX who told me that they did the wrong transaction to properly stop the payment when I originally called and that I probably would not get my money back since I did not cancel the gym membership. 
",,Consent provided,Web,2015-05-01,Closed with explanation,Yes,No,CR1356095,3817
2015-05-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Prior complaint # XXXX. Now I have spoken to numerous people and still they can not provide me with answers on why my credit card was cancelled. 
They say my credit score is XXXX, I called XXXX and spoke to a XXXX and she said impossible that my score is XXXX, Eagle National Bank also said that my report is showing delinquencies but, XXXX says their are no delinquencies. I do n't understand and I did explain about the derogatory items but, my report is better then some people that are still able to have their credit card, why am I being treated differently. Now they issued another inquire on my report and that will lower my score more. 
The other question that they cant answer is why was n't my credit card cancelled when my score was below XXXX but, when my score is XXXX they cancelled it. 
This is what XXXX saysXXXXXXXXMy XXXX and XXXX XXXXHow you compareYour credit ranks higher than 24 % of the American consumers. 
Credit Reporting AgencyXXXX XXXX XXXXCredit Report PeriodXXXXXXXXXX/XX/2015Credit ScoreXXXXUpdated on XXXXXX/XX/2015And it was XXXX but, now since they did a hard inquire, it is XXXX. 
",,Consent provided,Web,2015-05-01,Closed with explanation,Yes,Yes,CR1355924,3756
2015-05-01,Credit card,,Identity theft / Fraud / Embezzlement,,"I received an email from Eagle National Bank on XX/XX/XXXX stating the following regarding my EN Master Card credit card : '' We continuously monitor ATM, debit and credit card transactions to look for out-of-pattern activity that might be potential fraud, as well as information from outside companies about account compromises at undisclosed merchants or service providers. 
Your card was part of XXXX of these compromises. This does not mean fraud has or will occur on your account. We 're simply taking precautionary steps to help protect your account. "" This is the second time this has happened to me with the same EN credit card, the last time I received a replacement card due to my account being compromised was on XX/XX/XXXX. I received a letter from EN at that time that also alluded to "" undisclosed merchants or service providers ''. 
My concerns are as follows:1. Data security breaches with EN are becoming more common, perhaps due to insufficiently robust security measures used by them and/or merchants/service providers that work with them. 
2. Other financial services companies that have been hacked ( such as XXXX ) seem to offer more comprehensive solutions, such as free credit monitoring for a period of time, than EN, who in the email notification referenced above, simply stated their standard policy of the account holder not being liable for fraudulent charges, IF EN IS NOTIFIED PROMPTLY BY THE ACCOUNT HOLDER OF SUCH FRAUDULENT CHARGES. So now I must closely watch transaction activity on this account?? I find this exceptionally toothless as far as fraudulent activity mitigation goes. Of course, the term "" promptly '' is not explicitly defined in this notification described above. Why must the onus be on me when I had nothing whatsoever to do with the reported data breach? 
Thirdly, EN has not, as they also did not in XX/XX/XXXX, identified the merchants or service providers responsible for the data security breach. This lack of disclosure is nothing more than a blatant cover-up used to protect any such merchants/service providers. EN 's solution to protect me is to re-issue a new card without offering any type of free credit monitoring service and also not disclosing to me the merchants responsible for the breach. 
I did call EN customer service after the XX/XX/XXXX data breach/card re-issuance in an attempt to find out just which of the merchants/service providers that I had recently dealt with were responsible for allowing my sensitive personal information to be compromised. I was told that only Master Card knew that, which I found to be a highly suspect response. 
I DEMAND TO KNOW THE IDENTITIES OF THE BREACHED MERCHANTS/SERVICE PROVIDERS I HAVE DONE BUSINESS WITH WHO ARE RESPONSIBLE FOR THIS DATA SECURITY BREACH!! For all I know, it may be the same vendor ( s ) who were hacked, and my account affected, in XX/XX/XXXX. Once these entities have been named, I will make the final decision as to whether or not I wish to continue my business relationship ( s ) with them. Given EN 's protection of and refusal to identify the responsible parties, I am unable to make any such decision, potentially leaving me open to further problems should I unknowingly continue to do business with the same merchant ( s ). 
I have unfortunately been the victim of numerous instances of identity theft in the past 10 years, very likely due to similar reported or unreported breaches. I find that EN 's failure to provide free credit monitoring options, as other major companies do, and also their failure to identify by name merchants/service providers who were breached, totally unconscionable. It would seem that EN 's priority is to protect the breached merchants XXXX and then, in a less than optimal manner, the breached account holders. 
Research indicates that what I have described above is a widespread practice of EN 's. 
I demand greater accountability in breach reporting. 
",,Consent provided,Web,2015-05-01,Closed with explanation,Yes,No,CR1355947,2743
2015-05-01,Credit card,,Delinquent account,,"Information that is XXXX years old is still on my credit report. I have filed a dispute with the XXXX, but the information is still there. 
",,Consent provided,Web,2015-05-06,Closed with explanation,Yes,No,CR1357414,2087
2015-05-01,Credit card,,Other fee,,"On XXXX I purchased an airline ticket online with XXXX airline using my Eagle National Bank credit card. Airline emailed me a receipt for {$580.00}. However, Eagle National Bank added a foreign transaction fee of XXXX to my statement. When I called the Eagle National Bank their rep told me this is fee charged by airline and that I should speak to airline directly. I told him it was not airline because airline emailed me receipt without the fee. I asked to speak to the manager of that rep. Manager aknowledged the fee was posted by Eagle National Bank and airline. When I said there should be no fee for purchasing online, since I was in USA not in the foreign country, she said that was their policy for any purchases from foreign companies ... they didnt refund the fee. 
",,Consent provided,Web,2015-05-01,Closed with monetary relief,Yes,No,CR1356062,1936
2015-05-01,Credit card,,Identity theft / Fraud / Embezzlement,,"On XXXX, for our XXXX anniversary, I took my wife and our oldest daughter on a tour of XXXX. We stopped for lunch at XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX. It was around XXXX, warm and sunny and we sat outside in their courtyard and ordered XXXX ice teas, XXXX lobster rolls and a small salad for lunch. The old woman/owner gave us our bill. We signed the check which must have been no more than {$45.00}, plus tip. It was a regular paper receipt which I paid with my Eagle National Bank XXXX. I signed the paper bill with a pen and never kept a copy for myself since it was such a small amount. 
A few weeks later, while reviewing my XXXX bill from BofA, I noticed that I had a charge of {$560.00} from this restaurant, and no other charges. I immediately called Eagle National Bank and contested the charge, stating that I never authorized this large amount. 
On XX/XX/XXXX I received a letter from Eagle National Bank stating that the merchant had provided proof of a signed receipt for the amount of {$470.00} plus a tip of {$80.00} for a total of {$560.00}. The signature provided to BofA is a close forgery of my signature, and I did not sign nor authorize such a large bill. BofA considers this matter closed and is holding me fully responsible for paying the full amount of {$560.00}. 
I filed a police report with XXXX Police Department XXXX : XXXX. The restaurant has since closed and it 's been torn down. The owners of this restaurant have been found guilty of previous fraud charges and spent time in jail - according to reports you can easily find on the internet. 
",,Consent provided,Web,2015-05-01,Closed with monetary relief,Yes,No,CR1357203,3672
2015-05-01,Credit card,,Delinquent account,,"I have received multiple calls from target red card services. I advised the rep if they would waive the late charge then I would pay off the full balance. The rep refused since I had been past due on my account. I discontinued call then on XXXX/XXXX/15 I spoke with a rep who refused to do the same. I said something off subject not offensive or rude or containing fowl language. He advised that we should conduct this phone call in a mature manner. I replied then hung up. i called back to ask for a manager and got XXXX employee id XXXX. She refused to allow me a manager XXXX in total. This is after advising her of my concern and request to waive late charges. She declined the request also. I advised at that time they no longer had permission to contact me on XXXX since it is a cell phone and they use an autodialer. She refused to remove the number based on the fact that satisfactory arrangements had not been made and my refusal to provide her with another number. I do n't have a non-cell phone number to provide her with since I ca n't have calls at work. My spouse is about to be laid off ... this is undue stress over XXXX dollars. She refused a supervisor stating that she was an account manager misrepresenting her position level. I advised the employee XXXX that is a title for a glorified CSR AND that I knew the law and fully intended to include all in a CFPB complaint. She advised that I would still get manual calls to my phone so I provided her with the number of XXXX since she continued to refuse to remove my number. I advised that it is a punishable fine or them to continue to call to which she continued to reply that no .. refusal to remove and so on. Please investigate this claim. This is ridiculous and these employees are misrepresenting themselves as managers and refusing manager or supervisor. In addition to refusal to remove my telephone number from their system which in fact a cell phone. 
",,Consent provided,Web,2015-05-05,Closed with non-monetary relief,Yes,No,CR1356089,3671
2015-05-01,Credit card,,Credit determination,,,,Consent not provided,Web,2015-05-01,Closed with non-monetary relief,Yes,No,CR1356393,849
2015-05-01,Bank account or service,Savings account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-05-01,Closed with explanation,Yes,No,CR1356058,742
2015-05-01,Bank account or service,Savings account,Deposits and withdrawals,,,,Consent not provided,Web,2015-05-04,Closed with explanation,Yes,No,CR1356673,1435
2015-05-01,Bank account or service,Other bank product/service,Using a debit or ATM card,,,Older American,Consent not provided,Web,2015-05-01,Closed with explanation,Yes,No,CR1355907,7521
2015-05-01,Bank account or service,Checking account,Deposits and withdrawals,,,,Other,Web,2015-05-01,Closed with explanation,Yes,Yes,CR1356426,2998
2015-05-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-05-05,Closed with explanation,Yes,No,CR1355972,4192
2015-04-30,Credit card,,Other,,"Eagle National Bank refuses to deliver credit card statements, alerts, and other communications to my valid email address. I am being denied credit card security and convenience features that their other customers get. My email address is on a domain that is hosted in the XXXX on a XXXX XXXX business Internet connection with a static XXXX address. It has been in existence for more than a dozen years and enjoys a sterling reputation, not appearing on any blacklists for malware, spam, hacking, etc. 

I had previously opened a case about this and there was no resolution. I sent a letter via XXXX mail in XXXX of 2014 ( enclosed ) to their published mailing address. I did not receive a reply of any kind. 
",,Consent provided,Web,2015-04-30,Closed with explanation,Yes,Yes,CR1355164,3520
2015-04-30,Credit card,,Closing/Cancelling account,,"For years I had a Eagle National Bankn credit card ( opened XXXX 2008 ), I used the card and made the payments, my payments had been on time for years. I typically had a balance on the card. I would pay it down to a couple of hundreds dollars then use it again, pay it down, etc. Then I paid the card to a zero balance and immediately Eagle National Bank cancelled the card. It was like they had a computer program that they could set that said if this card pays to zero cancel it. So in effect they were ok with me as long as I carried a balance and not ok once the cared was paid to zero. Yes like a lot of people I have had financial issues but they have improve considerably over the last few years. So when my credit was at the worst EN was ok with me having their credit card, when I was able to pay them off and my credit was better my reward was to be cancelled. I think EN has a history of this action for a lot of consumers and it is fundamentally unfair. Would be interesting to know how many times they have cancelled a consumer 's credit card at the point it was paid to zero 
",,Consent provided,Web,2015-04-30,Closed with explanation,Yes,No,CR1355588,2405
2015-04-30,Credit card,,Billing statement,,"I lost a Eagle National Bank credit card in XXXX and asked for a new ones, with a new number. 
ever since then, I have paid off each statement in full riggt after recieving their stament, and the next month find out they have charged high interset, saying the balance was not paid in full. 
XXXX times i have paid the amount in the local EN office, with a rep calling to confirm the correct amount, pay it, yet they keep charging interest for not paying in full. After the last statement i told them would file complaint if it happened again, and it did. I charge that EN is doing this on purpose and ripping off other customers. As a computer programmer belive they are printing statements with a cut off date, but do not cut off that statement for several more days. With my latest statement, i called to complain again, EN told me i was wrong, but could not explain the charge. I have called and cancelled the card, will pay it off at the local EN, and inform them I am pushing for EN to be fined. I can produce the statements and paymentdetails as needed. 
Sincerely, XXXX XXXX XXXX XXXX. 
XXXX, XXXXXXXXXXXX 
",,Consent provided,Web,2015-04-30,Closed with monetary relief,Yes,No,CR1354351,2144
2015-04-30,Credit card,,Billing disputes,,"In XXXX 2014, I saw an ad for earning extra money doing web links. It is an XXXX week course and that I would be assigned a "" coach '' and coaching staff to assist me throughout the XXXX week program. I asked how much and he answered {$18000.00} he inquired as to my bank. I was emailed a contract to sign. I tried to print a copy but it would not allow me to copy the contract until after it was signed. So, I signed the contract and forwarded it to the consultant. I then registered online with XXXX University started the introductions and my Coach called and introduced himself and made and appointment and instructions, which included webinars, video instructions and class work three nights a week. The course lasted longer than XXXX weeks, because the instructor had other things that took precedent over my training. I told the consultant, I had yet to receive a copy of my contract. Within a few days after I started the course, I received a call from XXXX XXXX XXXX, that I would need a well-built website. This of course would be at an additional cost, I negotiated {$5700.00} on the XXXX of XXXX. The goals suggested through the coaching and webinars was an XXXX Store and well as a XXXX store. To succeed with a XXXX Website, I was instructed, you need a source of XXXX shippers and you will need help advertising which is available through XXXX. I paid XXXX {$2000.00} on the XXXX of XXXX, I paid Impact Ranking {$2500.00} on the XXXX of XXXX. I had just completed the last XXXX lessons and exercises of the XXXX course. My new coach convinced me I misunderstood the assignment and directed me to redo it. I was told this would be simple and easy yet his instruction were rigorous. I received a call from yet another XXXX Consultant who noticed that I was having trouble completing the XXXX course, they told me not to worry because no one really made any real money on XXXX. I was furious at this point, especially after the long weeks of trying hard to complete the lessons. He then went on to explain "" what I really needed '' which was XXXX training on how to build a XXXX website. This was news to me because I did n't even know I had a website. I was enraged. The next day I was completely cut off. No one would answer at the coaching staff number. I contacted every number I could trying to get out of this scam. After a couple of days XXXX called me, I told them I wanted a copy of my contract. I received the contract. The contract provided for the XXXX Course of study, building a website, and marketing as wells an account with XXXX XXXX XXXX. Everything I had determined I needed for the successful operation of a dropshipping Website at an additional cost to me of {$12000.00}. I had paid that exact amount to XXXX, XXXX and XXXX XXXX XXXX already. They argued the only way I could salvage the money I had spent was to complete their course on XXXX. They offered the course at no additional cost, suddenly. I took a break in XXXX but still managed to work on the XXXX store. It has yet to gross over a {$100.00} dollars annually, it is an epic failure. I have contacted visa to remedy the dispute. They simply refuse to even allow me the opportunity to dispute the charge stating that transactions are too old to dispute. But that is the scam, the company drags you along until you are outside of your waiting period, guaranteeing you are sure to get your money back in profits. I have attached documentation regarding the merchant that prove many others have been taken advantage of just like me. Please help me get my get money back. Please ensure that they open an investigation and remedy this situation. should be an exception made for me as it is fraudulent in nature. Please help me advise the credit card company that for this purpose allow they should open the investigation. XXXX XXXX 
",,Consent provided,Web,2015-05-04,Closed with explanation,Yes,Yes,CR1354387,3465
2015-04-30,Credit card,,Identity theft / Fraud / Embezzlement,,"Was issued a credit for XXXX in XXXXXX/XX/2015 for a fraudulent transaction. Apparently the fraudulent transaction never posted but Eagle National Bank 's credit did. Now, in XXXX, XX/XX/2015, Eagle National Bank decided to charge XXXX dollars back to my card to make up for the credit. My credit card # changed after the fraud and I no longer have access to those statements. However, I do believe the XXXX dollar fraudulent transaction posted and this credit is being reversed for no reason. Also, it is too late and random of an occurrence for them to justly charge me now. This should have been caught months ago. 
",,Consent provided,Web,2015-05-04,Closed with monetary relief,Yes,Yes,CR1353982,3853
2015-04-30,Bank account or service,Checking account,Using a debit or ATM card,,"A number of unauthorized debit charges were made to my account in violation of Banking disclosure guidelines jeopardizing my comings and goings in my day to day affairs, including my Credit standing.I contacted Customer service and put in a dispute on XXXX charges in the amount of {$39.00} each. I came in to a Bank branch to speak to someone and found a XXXX for that same amount along with an errant overdraft charge for $ XXXX.The Bank manager offered to remove the {$100.00} overdraft charge pending the completion of the dispute on the XXXX charges. I thought that my problem was solved. Upon a visit to another branch on XXXX/XXXX/15 I discovered that my account had been tapped again.I found that there had been another overdraft charge in the amount of {$70.00} despite the depending dispute investigations. I asked the Banking Representative to investigate my claims and she specified that she would notify the Assistant Branch manager and have him get back to me.I have previously made a complaint to the Consumer Financial Bureau concerning this bank. 
",,Consent provided,Web,2015-04-30,Closed with explanation,Yes,Yes,CR1355726,2667
2015-04-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I receive a letter from Eagle National Bank stating I was approved for credit, than I went into Eagle National Bank XXXX time filled out more paper work and at that time there was no problem. About XXXX week later I receive a letter from them stating unable to extend credit to you at this time for the following reasons Requested Conditions of approval not metI fill out all the paperwork that was giving to me by the Manger XXXX XXXX she tired to explain the letter to me at the best of her knowledge, Couldn, t give me a direct reason why I was denied, I felt discriminated against by Eagle National Bank underwriter, s XXXX XXXX, she never call me and never left no messages on my phone, I got her information from the Manger XXXX XXXX and I have called XXXX XXXX XXXX and only spoken to her XXXX time, then I email the manger and told her what I have done, the other underwriting XXXX XXXX XXXX never made contact with me at all. XXXX XXXX was very Unprofessional i felt she could have call me or email me they have all my information, then she makes the XXXX decision to denied me a loan and not give me a good reason Why. XXXX I get letter saying that I was approve and than I get a letter saying that i, m denied after XXXX week. I fill like they are playing with peoples emotions and this is not right at all My Credits scores are XXXX XXXX XXXX not the best and not bad.i will greatly appreciate if any thing can be done about this matter Thank You XXXX XXXX 
",,Consent provided,Web,2015-05-06,Closed with explanation,Yes,No,CR1354179,1819
2015-04-30,Credit card,,Late fee,,"Eagle National Bank XXXX ( XXXX ) charged me late fees on the following dates:XX/XX/XXXX $ 25.000XX/XX/XXXX $ 25.00I never received a credit card statement for XX/XX/XXXX nor did I ever receive a statement for XX/XX/XXXX. I have also never signed up for electronic statements. I have been experiencing problems with Eagle National Bank USA ( XXXX ) delivering my credit card statements to me. I was not aware of the minimum payment due since I did not receive my statements nor was I able to access my account online because of issues with my login/password. 
Please credit me for the following : {$25.00} for the late payment fee that was charged on XX/XX/XXXX {$25.00} for the late payment fee that was charged on XX/XX/XXXX {$1.00} per month since XX/XX/XXXX for the minimum {$1.00} charge per month I incurred because I refused to pay for the late fees since they were incorrectly charged to my account. 

If Eagle National Bank XXXX ( XXXX ) disagrees with this, please provide proof that you sent out the credit card statement for XX/XX/XXXX and for XX/XX/XXXX and that I actually received them. Such proof includes tracking information with XXXX, XXXX, XXXX, or a certified mail receipt. 
",,Consent provided,Web,2015-04-30,Closed with monetary relief,Yes,No,CR1353969,8726
2015-04-30,Credit card,,Late fee,,,,Other,Web,2015-04-30,Closed with explanation,Yes,Yes,CR1354416,4046
2015-04-30,Credit card,,Other,,,,Consent not provided,Web,2015-04-30,Closed with explanation,Yes,No,CR1354828,562
2015-04-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank closed my checking account after I told them I would keep it & was transferred at least XXXX times to repeat my situation after being told they would explain to the person I would be transferred to. I am unsatisfied with their services & inconvenience of having my checking account closed after telling them not to. 
",,Consent provided,Web,2015-04-29,Closed with explanation,Yes,No,CR1352851,500
2015-04-29,Bank account or service,Checking account,Deposits and withdrawals,,"XXXX and XXXX XXXX re-aging another account that was reported and removed from my account long ago. It is now showing up as a new collections account as of XXXX XXXX, 2015 from XXXX XXXX XXXX for {$600.00}. 
I had a Eagle National Bank account and I closed the account because they were repeatedly making it look as if I was debited the account with no funds. I wrote many times not to allow my account to be charged with no funds in the account. I would have money showing in the account and when I used it I would get over-limit fees and other fees until they charged up to over {$600.00}. I had close all my accounts with them and refused to pay because I know I did not use the card. I even closed a money market account and a few months later the bank reopened it and started to charge me fees on it. I had to let them know I had taken my money out of their bank and they had no right to reopen the account. 
This bank took money from me for charges I did not make. 
",,Consent provided,Web,2015-05-06,Closed with explanation,Yes,Yes,CR1353585,4055
2015-04-29,Credit card,,APR or interest rate,,"I purchased a set of wedding rings through XXXX XXXX XXXX and financed them with EN Bank and XXXX XXXX incorporated. I 'm currently on 0 % interest for the credit card but was informed after the promotional period expired the interest rate would hike up to 28 %. I 'm active duty XXXX and told them that and that I 'm covered under the XXXX. They told me this did n't apply to me unless I deployed. This is not the case and applies to anyone on XXXX orders. 
",Servicemember,Consent provided,Web,2015-04-29,Closed with explanation,Yes,No,CR1352922,180
2015-04-29,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-04-29,Closed with non-monetary relief,Yes,No,CR1354121,10662
2015-04-29,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-29,Closed with monetary relief,Yes,No,CR1352141,3250
2015-04-28,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank debited my account on XX/XX/XXXX for a deposit that I made on XX/XX/XXXX. The explanation that I was provided was that the same check was presented at a XXXX XXXX bank on XX/XX/XXXX and that they sent me some information in the mail but they would n't be able to assist me further. I raised my concern about fraud and that my bank should assist in protecting my funds, however, the response I was given was that Eagle National Bank was unable to help me and I had to call the bank that issued the check to discuss. 
The check was issued from a XXXX XXXX XXXX XXXX ( XXXX ), when I called to discuss as instructed by Eagle National Bank, the individual whom I spoke to stated they could only speak to and assist the individual who wrote the check, whom I needed to contact. I have not had any luck in getting the indivdual who wrote me the check to call me back or contact XXXX for them to begin their investigation into the fraudulent activity that ultimately impacted me. 
",,Consent provided,Web,2015-04-29,Closed with explanation,Yes,No,CR1351409,3737
2015-04-28,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank keep charging me over extension fees on returned check that have been returned. I ask them to charge me "" XXXX time '' the {$35.00} insufficient funds fee, I will gladly pay that amount for each return check, but not {$35.00} over and over again for XXXX check and then another {$35.00} for some extended fee they keep charging. 
","Older American, Servicemember",Consent provided,Web,2015-05-01,Closed with explanation,Yes,No,CR1351412,3917
2015-04-28,Bank account or service,Checking account,Deposits and withdrawals,,"for a while i was being billed monthly charges from Eagle National Bank. I addressed these charges and they were waived as i was told that i needed a direct deposit totaling a minimum of $ 250/month. So i started directly depositing {$120.00} from each payroll check that totaled $ 250/month. I received another charge last month and called in to EN. I was told that i was misinformed and that it is supposed to be $ 25/pay period/deposit. So, again, i revised my contributions to $ 250/pay period to meet their requirements even thought i was misinformed. I called in today about the charge and was informed that i am out of luck and that they have already refunded charges before. That was not at my request but at a branch managers decision to retain me as a customer as i was there to close out my account. Regardless, i was told XXXX thing to avoid the monthly fees and i did exactly what the representative stated. Then i was charged again, so i switched again and was informed that i may get another charge and to just call in. I spoke with XXXX at EN in their California call center who was polite but refused to assists. I cant help but have concern for myself and others in regard to receiving incorrect information from EN and then turning around and charging customers for their under-advised reps. I would like for my account to be credited the monthly maint fee as i did what they asked every time. I would be open to a class action suit to see if others were experiencing this bad business practice. 
",,Consent provided,Web,2015-04-28,Closed with monetary relief,Yes,No,CR1350980,2241
2015-04-28,Bank account or service,Checking account,Problems caused by my funds being low,,"I have XXXX checking and XXXX credit card accounts with Bank America. The credit accounts had limits from {$25000.00} to {$50000.00} and all had zero balances when this all began. These cards are rarely used since most daily transactions are by debit cards. XXXX of the cards provides {$20000.00} in overdraft protection on the checking account. Approximately a month ago the XXXX XXXX charged {$100.00} for a subscription to the same account that provides the OD protection. This charge occurred without my knowledge or consent and must have been automatically made at the end of a subscription term which was originally paid with this card. The credit card payment became due XXXX XXXX with {$25.00} minimum payment required. I did n't check my balance on this account because I had n't used it so I failed to make the {$25.00} payment. BofA immediately shut down my credit card without notice nor warning for non payment. 
Of course, all this happens in the month where I had to pay property taxes on XXXX XXXX and income taxes on XXXX XXXX. I needed to pay about {$11000.00} in extra taxes so I counted on the availability of my OD protection to cover a portion of these tax checks. But, BofA also shut down my OD credit along with the card for failure to pay the {$25.00} minimum payment. So, now they are potentially returning XXXX or more of my tax payments which will certainly cost me additional money in penalties and late fees. 
I immediately contacted the bank to make arrangements to correct the situation. Here is where it gets crazy. I spoke with XXXX different customer service folks at BofA on Saturday XXXX XXXX in XXXX calls lasting a total of XXXX hour and XXXX minutes. Each person would promise some quick resolution but need to forward me on to another person in a different department. Both of my calls were terminated without warning by their system while I was holding on the line. No one ever provided any solution to my problem. On Monday XXXX XXXX, I tried again and spent XXXX more minutes in which some effort was made but nothing was accomplished toward rectifying the problem. They refused to accept my offer to use another bank 's credit card to pay for any shortages. They refused to allow the use any of my BofA cards, too. They insisted on cash at the bank. This is simply unreasonable and clearly appears to be designed to trump up penalty charges. 
The bank effectively shut down my access to money over the weekend without notice for {$25.00} that was 5 days late. That is unreasonable. Then they kept me on a circle-jerk phone conversation for almost XXXX hours without offering any solution. This was unreasonable. They refused my offer to make any kind of payment over the phone using any of the XXXX or more cards I offered. That was unreasonable. 
All of this was more unreasonable considering my financial position. I have been with this bank continuously for 46 years, I run about {$200000.00} through the account each year, I have never in my life bounced a check, I have an XXXX FICA score and a net worth of at least {$XXXX} XXXX. I am good for this little debt and the bank should XXXX well know it! 
",Older American,Consent provided,Web,2015-04-28,Closed with monetary relief,Yes,No,CR1349983,463
2015-04-28,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened a Eagle National Bank eBanking checking account in XX/XX/XXXX. This account charges no monthly fee as long as no teller services are used, and this fact is not disputed by Eagle National Bank. At the beginning of XX/XX/XXXX, my account was involuntarily converted to a Eagle National Bank Core Checking account with a XXXX monthly fee. I received no notice of this conversion, and in no way acknowledged or authorized the conversion. XXXX monthly fees have been charged to my account, on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. 

I noticed the monthly fees in XXXX and went into a Eagle National Bank branch, where the manager stated I had to call in to have the fees waived and the accounts closed. I called the number he gave me, and spoke with a supervisor. The supervisor stated that all "" eBanking '' accounts had been converted to accounts with monthly fees, and that the bank had a general policy of sending letters and emails about the conversion. However, the supervisor said that the bank could not provide any records of specifically having sent me a letter or email about the conversion. 

I never received a letter notifying me of the account conversion, and I searched my email inbox, archives, and trash and did not find any email from Eagle National Bank regarding the account conversion. If I had received notice of the conversion, I would have declined and immediately closed the account. 

The supervisor stated that she could not reverse the XXXX monthly fees, but that she would pass my case to a manager for resolution within XXXX business days. One week later, I have heard nothing from Eagle National Bank and the fees have not been reversed. 
",,Consent provided,Web,2015-04-28,Closed with monetary relief,Yes,No,CR1350464,1865
2015-04-28,Bank account or service,Checking account,Using a debit or ATM card,,"My debit card was stolen once I gave my card I did n't get it back by someone I know I called my bank account told them to freeze my account they did n't. This person wrote my name on a check and everything and did multiple transactions. The person disappeared now I 'm left in debt of {$890.00} dollars and change. 
",,Consent provided,Web,2015-04-28,Closed with explanation,Yes,No,CR1350633,2554
2015-04-28,Bank account or service,Checking account,Deposits and withdrawals,,"On Tuesday, XXXX XXXX 2015 I deposited XXXX checks in my checking account at the Eagle National Bank branch at XXXX XXXX XXXX XXXX in XXXX SC. XXXX check was for {$50.00} and the other was for {$200.00}, total amount being {$250.00}. The teller took the XXXX checks, verified my sifnature on the back of the checks, and then gave me a deposit receipt for {$250.00}. On Saturday, XXXX XXXX, I received a notice in the mail that they could n't find the check for {$200.00} and that amount was being deducted from my account. On Monday, XXXX XXXX, I stopped by the branch and spoke with the Branch Manager, XXXX XXXX XXXX. She passed me off to an assistant, XXXX XXXX. She called customer service while I was there and they confirmed that they can not find the check and told me the only recourse I have is to track down the person who wrote the check, have them put a stop payment on it, and send me another XXXX. 

Since I handed the checks to the teller and was issued a receipt, the lost check is an internal Eagle National Bank error and I do n't see how this is my responsibility to track this down nor should I be penalized for their error. A credit of {$200.00} needs to be made back to my checking account 
",,Consent provided,Web,2015-04-28,Closed with monetary relief,Yes,No,CR1350116,4074
2015-04-28,Credit card,,Delinquent account,,"Eagle National Bank gave me an incorrect payoff amount. Then, after I missed payments, they are refusing to amend my credit report, even with the amount paid. Then, they sent me a refund notice stating that I was overbilled XXXX, so that amount showing on my credit report is incorrect. 
",,Consent provided,Web,2015-05-01,Closed with explanation,Yes,No,CR1351485,3792
2015-04-28,Credit card,,Closing/Cancelling account,,"I had a Cash Rewards credit card from Eagle National Bank since XX/XX/XXXX. They closed it without any reason in XX/XX/XXXX. I contacted them several time by phone and even went to their branch to know why they did that. 
They just sent me a letter stated that we are n't able to reopen your account. 
This credit card is my major and XXXX credit card. So, while they closed my account, the "" age of credit history '' is very poor now. 
This will make problem for me in future to apply for any kind of loan. 
Please help me to reopen my credit account. 
Thanks, 
",,Consent provided,Web,2015-04-28,Closed with non-monetary relief,Yes,No,CR1352012,3542
2015-04-28,Bank account or service,Checking account,Deposits and withdrawals,,"I am an account holder with Eagle National Bank. I sought to deposit a number of checks yesterday at the branch located at XXXX XXXX XXXX XXXX XXXX PA XXXX, including XXXX check that my husband signed over to me. My husband was with me and showed them a valid PA driver 's license for ID. They refused to deposit it and then refused me any service at all when I insisted that they provide me with this simple banking service. The branch manager was completely unhelpful and unaware of and uninterested in basic banking regulations and my rights as a consumer. Decent customer service was absent. I called the XXXX number for customer service, and there was no satisfactory result. I was told that I could not speak to an upper level supervisor, the person with whom I was speaking would not identify himself other than a XXXX name ; and he refused to provide a control number for the call. I will be closing my account and taking my business elsewhere. I advise others to avoid this institution. 
",,Consent provided,Web,2015-04-28,Closed with explanation,Yes,No,CR1350378,2453
2015-04-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Eagle National Bank refuses to return my money, with adequate response, after a claim was submitted. XXXX scammed me out of my money and the bank refuses to return it. I ca n't eat and that money is federal and they do n't allow me to use it the way ti was given t me. Food, clothing, and shelter. XXXX number is XXXX. XXXX XXXX. Wo n't give me my money for the amount of {$580.00} dollars which was given in response to a loan which I was to receive. And I received nothing with a amortization of XXXX dollars a month. The police refuse to help and the money is federal from XXXX and I ca n't eat or sleep. Because they refuse to pay. I have insurance from XXXX XXXX XXXX and XXXX with XXXX XXXX I ca n't get any reciprocity in court. 
",,Consent provided,Web,2015-04-28,Closed with explanation,Yes,No,CR1351341,269
2015-04-28,Credit card,,Privacy,,"I have never missed a credit card payment an have an excellent FICO score, so imagine my surprise when I received an email notifying me that my XXXX payment had not been received by Target. I paid that bill on time, mailed it with a return address label along with several other pieces of mail, many days before the bill due date. The other mailed items all got to their destinations and I am sure Target got mine. I have no idea how it was lost. I called the XXXX number and was told by your rep that the only way to avoid the {$26.00} in service charges was to pay by check immediately. I gave him my information and told him I did not want it saved in the system. He told me that was not possible. That is outrageous given that Target has already been hacked. I want that information removed immediately. I contacted Target through their online contact us and got a response explaining that my information was secure and they again refused to remove it. This is not satisfactory. I believe that Target should not be allowed to save that information against my wishes. 
",Older American,Consent provided,Web,2015-04-28,Closed with explanation,Yes,Yes,CR1351436,852
2015-04-28,Credit card,,Balance transfer,,"I transferred part of Eagle National Bank balance to XXXX credit card, the transaction date was on XXXX/XXXX/15 however my EN card did n't reflecting the transferred amount on my balance until the time i wrote this message, i contacted them several times, they keep telling me that the trans action may take several weeks to be processed, i think there is no justification on what they are trying to do other than charging me as much as they can on amounts i awe them and it is a good example of unfair treatment from big organization toward a little consumer. 
",,Consent provided,Web,2015-04-28,Closed with non-monetary relief,Yes,No,CR1350044,4696
2015-04-28,Credit card,,Identity theft / Fraud / Embezzlement,,"On XXXX XXXX my XXXX XXXX partner received a phone call from a person saying he was a representative of XXXX and they had detected a problem with our computer. Coincidentally, I was out of town and we were having difficulty with the computer email system. So, he thought it was really a person from microsoft and gave his personal information as well as his Target credit card info. I returned home the next day and my partner told me of the incident. I called Target and asked to have a stop put on the charge. They said they could n't until it was posted. We called Target again on the following Monday, XXXX XXXX. The charge had been posted and we asked for a stop, explaining that we felt the charges were from a fraudulent co. called XXXX. Target told us that we needed to write a letter explaining what happened. We wrote the letter. target then sent us a form to fill out with a return addressed envelope. We filled that out and returned it. XXXX XXXX Target sent a letter saying they had not heard from us and sent a bill for {$390.00}. We called the number provided on the letter and got an answering machine from a guy named XXXX in Arizona. His message said he would contact us within XXXX days. We have yet to hear from XXXX and the bill will be due on XXXX XXXX. We fear that we will be forced to pay for services that will never be received and that Target supports thieves. What can we do? I went on line to search XXXX XXXX and there is a long list of blogs/complaints from people who have gone through very similar experiences. Most of them did not have XXXX and did n't give their credit card information. We will continue to pursue this violation. 

We are unable to attach documents because we do n't have email capabilities with this computer. 
",Older American,Consent provided,Web,2015-04-28,Closed with monetary relief,Yes,No,CR1350043,3833
2015-04-28,Credit card,,Credit line increase/decrease,,,,Consent not provided,Web,2015-04-28,Closed with non-monetary relief,Yes,No,CR1350653,2136
2015-04-28,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,Consent not provided,Web,2015-04-28,Closed with monetary relief,Yes,No,CR1350656,8502
2015-04-27,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank, : I had a mortgage account of {$56000.00} established in XXXX. In the year XXXX I refinanced my mortgage with another bank in order to obtain some of my equity for medical reasons. During those XXXX years, I was late on paying my mortgage in XXXX instances : that was on XXXX XXXX. I paid a late fee to the bank the next time I paid my mortgage. I do not believe that XXXX episode need be labeled as a negative connotation. There service to me contained many withdraws negligently and without reason taken out of my account then "" corrected '' and put back after my correcting the bank in their error. 
",Older American,Consent provided,Web,2015-04-27,Closed with explanation,Yes,No,CR1347743,643
2015-04-27,Bank account or service,Checking account,Deposits and withdrawals,,"Dear CFPB, My name is XXXX XXXX and my husband is XXXX XXXX. XXXX and XXXX XXXX XXXX, 2015 at XXXX, I accessed my e-mail account to find an e-mail stating that I had just authorized a 3 day transfer from my Eagle National Bank account to a dormant XXXX XXXX account for {$100000.00}. I did not nor did my husband authorize this transaction. As you can imagine, I was absolutely terrified. I logged in to my Eagle National Bank accounts. When I opened the account, I saw that I had $ XXXXdollars in my account. I immediately went to the "" Transfers '' section of my EN account. There was nothing there. I regularly make transfers between my home equity line and my checking account. I always try to keep the equity line as low as possible. There was no transfer information at all. Now I am really worried. 
At approximately XXXX I call EN customer service. At the same time, I send my husband to our local EN branch to wait for them to open. We are basically "" losing it ''. Someone has obviously breached our EN account and the bank itself. 
While I am being transferred through the Eagle National Bank system for the XXXX time, I see that a transfer show up. Out of the blue a random transfer just shows up. It is being processed by Eagle National Bank. It is the lone transfer on my account. Impossible. Then, as if by magic, the money is gone. {$100000.00} leaves my bank account within 10 minutes. It was the most unbelievable thing I have ever seen. I 'm telling the person on the phone at Eagle National Bank what is happening and then I 'm being transferred again.My husband is at the local branch. He is reassured that everything will be handled. The local branch is in the process of closing our account that I have maintained for 15+ years and moving the XXXX we have left to a new account. This takes hours. I have to go to the branch and sign a new signature card. The representative 's hands are shaking as we go over the new paperwork. I am asked for my driver 's license and additional id XXXX separate times. I am a Eagle National Bank premier customer. He has never seen anything like this he says. Then, the XXXX branch manager, XXXX XXXX, assures me he will absolutely be on top of this situation to the end. They will pay every automatic bill from our new account. "" Do n't worry XXXX says, we are on this ''. At XXXX I still see no resolution. Still missing {$100000.00}. Realizing nothing is happening at the branch I am back on the phone with EN waiting for some sort of actual reassurance. I am finally told that XXXX at XXXX XXXX in the Fraud Protection department will be handling my claim. I was told that she would contact me shortly. At XXXX, no call and still missing {$100000.00}. I called customer service again and asked to be transferred to XXXX. Apparently that was impossible. I asked to speak with a supervisor. Transfer to XXXX finally complete. XXXX told me not to worry. It may take a few days but everything would be sorted out. A few days? I have IRS payments coming through as well as direct deposits and bill pays. A few days? I asked for this situation to be escalated and for someone to PLEASE figure out where my {$100000.00} had gone. No one had any idea where the money went. NO idea. This is their transfer and you do n't know where the money went? I am losing it. Our family is in an uproar.We are assured by XXXX XXXX and XXXX at EN that the money will be transferred back by Wednesday. XXXX says it will be back after midnight. I stay up until XXXX. No transfer. Only some bizarre transaction that says my account is in arrears by XXXX. Now I 'm out almost XXXX XXXX. I call XXXX first thing Thursday morning. IRS check does not clear, Mortgage is in arrears for the first time in our lives. We have XXXX and XXXX credit scores. PLEASE HELP XXXX. XXXX and still missing {$100000.00} 
",Servicemember,Consent provided,Web,2015-04-28,Closed with explanation,Yes,No,CR1347795,2289
2015-04-27,Credit card,,Billing disputes,,"Eagle National Bank changed my credit card number. XXXX issued a credit under my old number but never posted to my account. EN tells me that they can see the credit under the old account number but because of recent changes to their software platform it has not posted under my new account. This credit was issued over a XXXX ago. I have talked to their Customize Service and Electronic Transactions departments several times without any success. 
",,Consent provided,Web,2015-04-27,Closed with monetary relief,Yes,No,CR1349438,3290
2015-04-27,Credit card,,Billing statement,,"I have noticed that a number of credit card statements use a very small font. I 'd guess XXXX pt or less while others use a much larger font - XXXX of XXXX pt. On at least XXXX occassion I have misread XXXX of the small font payment stubs where the day was printed as a "" XXXX '' but I misread it as a "" XXXX ''. I do n't need glasses in the normal course of my activities but have have bought reading glasses jus so I can read these statements. 

While there maybe other companies using the smaller fonts, FIA Card Services and XXXX XXXX XXXX XXXX are XXXX companies which user a smaller font. The payment coupons do not have a space issue that would require the use of these small fonts so I suspect these fonts are used intentionally in the hopes the consumer will misread them an permit the company to charge a fee for submitting an incorrect amount or missing the due date. 
",,Consent provided,Web,2015-04-27,Closed with explanation,Yes,No,CR1347774,1564
2015-04-27,Credit card,,Unsolicited issuance of credit card,,"I was at the airport and was approached by a XXXX Airlines representative who offered me a free club to earn airline points. He never mentioned a credit card application, credit card fees, or, in fact, the words "" credit card '' at all. He asked several questions which I unfortunately answered. After answering several questions, I began to suspect that I was unknowingly applying for a credit card, so I stopped answering questions and said I did not want to apply for the card. He agreed to cancel the application and I thought he had, until XXXX weeks later when I received a credit card. 

I cancelled the card through Eagle National Bank ( not the problem company ). When I cancelled the card, the Eagle National Bank representative told me that the credit card has an annual fee. The fee was not disclosed by XXXX. She suggested that I call XXXX to complain. 

After calling XXXX and navigating a menu clearly designed to prevent contact with a person, I eventually reached soneone who told me I could n't talk to a manager because I had to complain with the airport staff. When I objected to this, I was told that I could submit a complaint through their website. When I asked if I would get a response to the complaint, I was told that I would get a website-generated confirmation that my complaint had been submitted, but I could not get an answer when I tried to find out if I would get a response from an actual person who had read the complaint. 

XXXX processed an application for credit in my name without my consent then did not allow me to speak with anyone to complain or to try to resolve the problem. I do not know if they are going to charge me the annual fee for the credit card for which I did not apply. 
",,Consent provided,Web,2015-04-27,Closed with non-monetary relief,Yes,No,CR1349925,1003
2015-04-27,Credit card,,Unsolicited issuance of credit card,,"I went to see a teller about a check deposit, and Eagle National Bank banker applied for credit card without my consent or knowledge. She offered me a cc offer, but I said no thanks several times, to which she lied, saying that it 's already in the mail. EN regularly mails out credit cards to our best customers. To which I said. That 's illegal. Bank is breaking law if you send me a cc without my request. She said EN does this all the time, said if I did n't want it, I should just not activate it. I complained to her that 's not how it works. But we ended our conversation there. To my horror and surprise I received a EN credit card in the mail with a letter dated for that very day I was in the branch regarding my check matter. Bank employee proceeded to lie to me over and over. She did not have my consent. Verbal or written. She just lied to apply for this without my knowledge. I do Not want a EN credit card. 
",,Consent provided,Web,2015-04-27,Closed with non-monetary relief,Yes,No,CR1347833,180
2015-04-27,Credit card,,Rewards,,"The reward from my Eagle National Bank XXXX XXXX XXXX in the form of miles ( XXXX for every dollar spent ) are not reaching my XXXX account. Innumerable calls to XXXX customer service department has been useless in solving this issue. 
",,Consent provided,Web,2015-04-30,Closed with explanation,Yes,No,CR1349439,4653
2015-04-27,Credit card,,Credit determination,,,Servicemember,Consent not provided,Web,2015-04-30,Closed with explanation,Yes,No,CR1348402,4961
2015-04-27,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-04-27,Closed with monetary relief,Yes,No,CR1347939,2886
2015-04-27,Credit card,,Billing statement,,,,Consent not provided,Web,2015-04-27,Closed with monetary relief,Yes,Yes,CR1348497,3099
2015-04-27,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-04-27,Closed with explanation,Yes,No,CR1351444,141
2015-04-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-27,Closed with explanation,Yes,No,CR1349914,1032
2015-04-26,Bank account or service,Checking account,"Account opening, closing, or management",,"My wallet was stolen or lost a couple of years ago and someone deposit fake checks into my account which resulted in a overdraft fee and closing off my account. I tried to explain to the bank that I was not at fault and I was the victim but they would n't listen. The XXXX reported me to chexsystems. I paid all the fees although I was n't responsible and still no help. I told them you have cameras in your banks if you look maybe you can catch the real the if now I ca n't have an account for seven years please help. 
",,Consent provided,Web,2015-04-26,Closed with explanation,Yes,No,CR1347547,3227
2015-04-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"RE : XXXX XXXX XXXX-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau, CFPB : I am writing the CFPB in reference to fraudulent unauthorized activity on accounts I opened with Eagle National Bank, EN. The accounts reflect some person gained access to the accounts without My, XXXX XXXX XXXX authorization, tampered with the accounts by unauthorized usage and then a payment or credit issued on the accounts. 

On XXXX XXXX, XXXX, I walked into XXXX branch bank ( located at XXXX XXXX XXXX XXXX, XXXX XXXX, Phone : XXXX ), to obtain a banking account. I was declined because of adverse Reporting of FRAUDULENT EN\BANK OF XXXX accounts to the XXXX. These accounts being:1. EN : On XXXX XXXX, XXXX, I opened an ebanking account ( account number XXXX, ebanking XXXX ) in order to obtain a visa debit card. The visa debit card was utilized to order an online Servicemembers civil relief act, SCRA, report, required by XXXX XXXX court ( located at XXXX XXXX XXXX, XXXX XXXX XXXX ) for A Landlord tenant case where I evicted a very problematic Section XXXX tenant, XXXX XXXX XXXX XXXX. A Legal judgment of possession against her, XXXX XXXX XXXX XXXX DOB XXXX XXXX social security number XXXX, was granted on XXXX XXXX, XXXX. I ordered the report online, Tracking number XXXX, for {$36.00}. 

The ebanking account was closed via online and via telephone once all the cash placed into the account was used, meaning EQUALS XXXX BALANCE. On XXXX XXXX, XXXX, I was being involuntarily held at a XXXX '' in XXXX XXXX COMPLETELY NOT OF MY CHOICE, and the balance on account reflected an unauthorized amount totaling {$570.00}. On XXXX XXXX, XXXX, a credit was issued to the account in the amount {$440.00}. I did not make any charges against the account totaling {$570.00} nor payments totaling {$440.00}. I was asked to pay a balance of {$130.00} WHICH I REFUSED BECAUSE I OWE EN ... N-O-T-H-I-N-G. Again, I was unaware of any post-closure activity on this account until XXXX XXXX, XXXX. 

I walked into EN branch ( located at XXXX EN-XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) on XXXX XXXX, XXXX and XXXX XXXX, XXXX to inquire about the unauthorized activity. On XXXX XXXX, XXXX, I also walked into the EN Branch ( located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) after XXXX EN did not follow through when I initially communicated with them on XXXX XXXX, XXXX. The fraudulent activity and adverse reporting is unduly preventing ME, XXXX XXXX XXXX, from getting A Real Savings And Checking Account. 

2. On XXXX XXXX, XXXX, while at XXXX EN branch, I was informed of a balance on My XXXX Brand New BOUGHT Fully Loaded Rover HSE, I voluntarily turned in some time XXXX. The reason : landrover car dealership ( located at XXXX XXXX XXXX XXXX NJ XXXX, XXXX : XXXX ) maliciously vandalized the vehicle. Their malicious mischief left the vehicle inoperable rendering the vehicle continuous servicing. My auto insurance, XXXX, policy number XXXX, would not honor the policy and repeatedly placed ME, XXXX XXXX XXXX, in dangerous and hostile environments when Coverage and rental reimbursement were readily available for My, XXXX XXXX XXXX, convenience. I contacted Eagle National Bank XXXX XXXX, XXXX through their secured online website to complain about Faithfully honoring MY VEHICLE CONTRACT via timely monthly payment remittance for auto loan and auto insurance ; however, EN and XXXX refused to honor their contract obligations. The XXXX EN tried to get ME, XXXX XXXX XXXX to pay a balance of {$2900.00} on XXXX XXXX, XXXX. 
",,Consent provided,Web,2015-04-26,Closed with explanation,Yes,Yes,CR1347611,1579
2015-04-26,Credit card,,Late fee,,"I have been a Eagle National Bank credit cardholder since XXXX. Over the past year or so, the budget has been tight but I have a promise to myself to never miss an obligation even a credit card payment. Bankruptcy has never been an option and will never been an option for me. Things are back on track however over the XXXX months I have been billed higher interest, late fees and annual fees. The interest I can live with ( but preferably at a lower rate ) but the late fees and annual fees have totaled over {$300.00} in unwaived fees ( {$370.00} total ). I am a decent customer and I just feel like these late fees and annual fees can bury you. I am hoping to have the {$300.00} as a courtesy for being a customer for exactly XXXX years now. Often when I finally get the money to make a payment its sometimes hours after the cutoff time. Sometimes so close to the deadline that the website is down for maintenance. I am just hoping you feel my pain and waive the {$300.00} for my straightforwardness. Thank you. Again I am back at work making even more money but the past XXXX month have been tough. At XXXX you do n't expect what happened to me but I am back on tack with a clean bill of health. Please understand. Thank you. 
",,Consent provided,Web,2015-04-26,Closed with explanation,Yes,No,CR1347595,4035
2015-04-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"RE : XXXX XXXX MD-PRIVILEGED AND CONFIDENTIAL INFORMATIONDear Consumer Financial Protection Bureau, CFPB : I am writing the CFPB in reference to fraudulent unauthorized activity on an account I opened with EN, XXXX, bank to politely accommodate a problematic section XXXX tenant, XXXX XXXX XXXX XXXX. 

I walked into the Eagle National Bank ( located at XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX, phone : XXXX ) on XXXX XXXX, XXXX to inquire about delinquent accounts with amounts {$130.00} and {$62.00} which were reported to the XXXX. I was unaware of such accounts until XXXX XXXX, XXXX when I walked into a branch bank Police XXXX ( located at XXXX XXXX XXXX XXXX, Pa XXXX, Phone : XXXX ), to obtain a banking account and I was declined because of adverse Reporting of FRAUDULENT accounts to the XXXX. These accounts being:1. Eagle National Bank South Carolina : On XXXX XXXX, XXXX, I opened a Eagle National Bank account ( located at XXXX XXXX XXXX XXXX XXXX South Carolina XXXX ) because I travel often, and I had EN certified bank checks that needed depositing ( void after XXXX days ). The EN checks were rental checks in the amount of ( XXXX-check number XXXX and $ XXXX-check number XXXX ). The problematic section XXXX tenant, XXXX XXXX XXXX XXXX, refused to resubmit payment amounts after informing her XXXX her Eagle National Bank did not honor their own Bank certified checks. The bank claimed the funds were returned to her account once voided, if not deposited within 90 days. 

This resulted in UNPAID PORTION OF SECTION XXXX RENT FOR XXXX XXXX {$70.00}, and UNPAID PORTION OF RENT FOR XXXX XXXX {$210.00}. XXXX XXXX, tenant paid {$34.00} instead of {$70.00} citing she had to purchase "" insecticide, weed wacker, and ant baits '', and she subtracted her purchase from Section XXXX mandated amount of {$70.00} for the month of XXXX XXXX. She refused to pay XXXX XXXX rental portion {$210.00}. She is a problematic tenant, files false police reports, is a false witness, and well known throughout the lawyer judge judicial system assembly. This problematic section XXXX tenant, XXXX XXXX XXXX XXXX is DELUSIONAL and wanted to dictate when I deposit MY MONEY. 

Again, Eagle National Bank branch in XXXX South Carolina would not honor their own Eagle National Bank certified checks. 

2. Eagle National Bank New Jersey : I attempted to deposit the checks XXXX again after diligently attempting to advise problematic section XXXX tenant, XXXX XXXX XXXX XXXX, to resubmit rental payments ; however, she believed she could live at property : XXXX XXXX XXXX XXXX, New Jersey XXXX free from XXXX XXXX, XXXX ( partial payment XXXX XXXX in amount of {$150.00} ) through XXXX XXXX. On XXXX XXXX, XXXX, I entered Eagle National Bank ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX via Eagle National Bank employee XXXX XXXX Phone : XXXX ), and the branch would not honor it 's very own Eagle National Bank checks. 

3. Property XXXX XXXX XXXX XXXX New Jersey XXXX : The security deposit paid by the state of XXXX totaled {$1800.00} and I deposited these funds into a high yield interest bearing account at XXXX XXXX XXXX. I attempted on several occasions to provide name and address of account information to problematic section XXXX tenant, XXXX XXXX XXXX XXXX, along with CASH annual interest payments and she refused ( I HAVE VIDEO FOOTAGE ). 


The Eagle National Bank account was closed once the balance EQUALED XXXX. I ensured the Eagle National Bank account closed without any issues, and I resolved any issues with the account after I walked into the Eagle National Bank branch ( located at XXXX New Jersey XXXX ) to close the Eagle National Bank account. Again, the Eagle National Bank account closed with a XXXX BALANCE. I was surprised to discover on XXXX XXXX, XXXX, delinquent and fraudulent account amounts : {$130.00} and {$62.00} WHICH I HAD NO KNOWLEDGE OF. 
",,Consent provided,Web,2015-04-26,Closed with explanation,Yes,Yes,CR1347612,1069
2015-04-25,Bank account or service,Checking account,Deposits and withdrawals,,"My accounts were closed and {$260000.00} was taken from me without due process or investigation and several banks are involved. I was promised its return plus interest accrued. 
I filed separate complaints on each bank involved without any results, no accountability and basically no communication mediator. After XXXX years and XXXX of legal fees, I was XXXX and taken advantage of in court. I received a check that was an insult and lost by default when I was incapacitated in the hospital. The money was intercepted fraudulently by XXXX XXXX and re-issued XXXX times even though XXXX XXXX was not involved after they had foreclosed I year after my home burnt down and in modification as well as rebuilding. They were paid {$240000.00} and no money was owed. 
",,Consent provided,Web,2015-04-25,Closed with explanation,Yes,No,CR1347190,2953
2015-04-25,Credit card,,Closing/Cancelling account,,"The company seems to be resisting closing my credit card. I have a Eagle National Bank World Points Mastercard - I have made XXXX attempts by phone to close this card. The employees at the number on the card ( XXXX ). Each time the employee verifies who I am with various security questions then I am routed "" to a supervisor '' which takes me out of the system e.g. to XXXX, to a busy signal, to perpetual hold so that the transaction can not be completed. I want his card closed. 
",,Consent provided,Web,2015-04-25,Closed with explanation,Yes,No,CR1347293,2884
2015-04-25,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"The loan system of Eagle National Bank is very confusing. I was rejected today by Eagle National Bank to waive the late fee after my best effort to correct a late payment situation. I then realized that it is Eagle National Bank 's deliberate intention to create this confusion to make extra profit by collecting late fees on customers. For a {$2400.00} tax escrow late payment, EN charges {$160.00}, which is 6.54 %. 

Almost all other banks I have dealt with either send a coupon booklet for XXXX month payments or mail a monthly statement consisting of both loan and escrow payment. In contrast, Eagle National Bank mails out XXXX separate statements with XXXX payments due monthly. The XXXX is the escrow statement every month around XXXX and due on the XXXX of the following month while XXXX statement is for interest and principal payment around end of the month and due on the XXXX of the following month. Meanwhile EN requires the borrower to maintain a checking account for EN 's direct withdrawal. 

Ever since I had this loan at the XX/XX/XXXX, I have always made my payments on time. I usually set auto pay for the ones with coupon booklet. For those which do not send coupon booklet, I rely on their statement to pay my mortgage because the annually changed tax escrow amount. However, the past XXXX, for whatever reason I did not receive XXXX credit card statements and EN 's escrow statement on time. As soon as I was aware of the lateness, I contacted XXXX XXXX, my account manager from Eagle National Bank. He advised me to pay personally at one of their branch. So I did and also established the auto transfer to my EN checking accounts according to my best estimate. From my track record, XXXX waived my late fee and interest immediately after I explained, but not the Eagle National Bank. 
Before EN turned down my request, XXXX XXXX arranged a meeting with me and expressed that EN will need more business to exchange for this waiver. At the same time he also agreed with me that EN 's XXXX a month loan statements are inefficient and confusing. 
When I followed up with XXXX XXXX on XX/XX/XXXX, I was told that his supervisor rejected it because I have no potential profit to them. I am shocked that a world known bank would handle situation only based on interest instead of fairness and principle. I have been a manager in real estate business for XXXX years, never paid a late fee. All US banks small or large are very reasonable. They base your track record and allow you at least XXXX time late payment leeway. Nevertheless, the Eagle National Bank refuses any refund for the bewildered system uniquely from all others regardless if you have been a good customer so that EN can easily earn the extra profit whenever an oversight happened. The late fee of {$160.00} was only for the lateness of the escrow. I wonder if I would be end up with another late fee of {$170.00} based on the same 6.54 % calculation if the XXXX part of payment which is for interest and principal of {$2700.00} was late. As a reference, I have a similar amount of loan with XXXX XXXX XXXX, its late fee for both loan and escrow is only {$87.00} per month. 

If a huge corporation like Eagle National Bank has some ethic value in this business, I believe EN should at least give its customers one chance to refund their hard earned money and more importantly correct its system to clarify its parts of duty. 
",,Consent provided,Web,2015-04-29,Closed with monetary relief,Yes,No,CR1347197,710
2015-04-25,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-04-25,Closed with explanation,Yes,Yes,CR1347183,2901
2015-04-25,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-04-25,Closed with explanation,Yes,No,CR1347358,3827
2015-04-24,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank misled me into believing that a duplicate or substitute check would be issued, by them, after the maker decided not to pay it. A check for over $ XXXX was deposited into the ATM. Four days later, or so, I found out the check was reversed only after initiating contact with them. Valuable time was lost during the weeks that they misled me and this is compounded by the fact that no written notice with the check copy was received until a few days ago. This check/property was handed over to the bank, as the customer they owed me specific duties, including the ability to cure any defects with the item. 
",,Consent provided,Web,2015-04-24,Closed with explanation,Yes,No,CR1346095,1994
2015-04-24,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,"I have a XXXX year CD from XXXX Bank that matured on XX/XX/XXXX. It was supposed to have renewed at the same rate as before. My Personal Banker had called to confirm that since Eagle National Bank did not offer a XXXX year CD, they would be bound to honor the original XXXX year rate renewal terms. 
However, upon the actual renewal, they claimed that the could no longer find the terms told to us anymore and that they had elected to use the XXXX year term at 0.15 % instead. 
I found and sent my original CD terms document and sent it in via my Personal Banker who has really been my Advocate, since the Eagle National Bank Representaive that informed her about my renewal terms and rate was so specific, even citing Special Terms that including a Final XXXX year Renewal that would terminate my CD in XX/XX/XXXX, without exception. Upon inquiry now, again EN is denying its existance. 
I will attach my supporting documents as you have instructed me. 
Thank you very much for your assistance in this matter. 
",,Consent provided,Web,2015-04-24,Closed with explanation,Yes,Yes,CR1345388,3320
2015-04-24,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX XXXX 2015, my debit card was charged for {$400.00} through my XXXX account which was compromised. I solved the problem with a XXXX way call with Eagle National Bank and XXXX, and the money was reversed. However on XXXX XXXX 2015 I received an email from Eagle National Bank telling me my account was once again overdrawn by {$400.00}. Then they tacked on a {$35.00} overdraft fee, and a {$35.00} return item fee even though there was no item returned and it had n't been long enough for an overdraft fee to occur. I talked to the bank and they tried to tell me that XXXX charged my account again for {$400.00}, but there are NO such charges on my XXXX account. I even talked to customer service through XXXX and they assured me that the account had been inactive since the previous issue. Eagle National Bank decided to have me open a claim, and the following day they sent me an email letting me know I needed to fill out an online form within 5 days for the claim. I waited one day and when I went to fill the form out, they had closed the form and said the case was resolved. That my account had insufficient funds. Entirely ignoring the fact I told them my account has obviously been compromised. I tried closing my account and they wo n't let me until I pay the overdraft sum which is completely ludicrous. I know for a fact Eagle National Bank made a mistake with my account, or fabricated this charge and then stacked extra charges on top of it in an attempt to steal money from me. I refuse to pay them for trying to con me. 
I 've since closed my XXXX account in an effort to protect myself, but Eagle National Bank refuses to let me close my bank account. I 've been a customer for 15 years and I 've had problems with this bank from the start. I just want to put this behind me as it 's really stressing me out. 
",,Consent provided,Web,2015-04-24,Closed with monetary relief,Yes,No,CR1345262,3084
2015-04-24,Bank account or service,Checking account,"Account opening, closing, or management",,"TO whom it may concern I was in XXXX working as a XXXX at the XXXX and left my account info in my book self at home in XXXX and Some how some one got hold of my debit card and pin number for my personal and business and tried to deposit bad checks in my checking accounts and my Eagle National Bank accounts was closed! Once I found out what had happen I called and explain my story but they said I was responsible if i did write my pin down in a business folder and I did n't file a police report me being in XXXX and this happening in another state I didnt know how to go about filling. as a result I was banned from Eagle National Bank forever! Also I have been reported in the XXXX with fraud on my account not being able to open checking accounts at any bank in any state reflecting my credit. Im a victim for Id theft most likey buy a family member. I am been treated like a criminal. I did nothing wrong. I would like for my accounts to be reopen with the funds that where there when i left XXXX. I think Eagle National Bank should have called me when these transaction happen so I could help stopped all of the head ache I had these two years please help my solve these issues thanks for your time. 
",,Consent provided,Web,2015-04-24,Closed with explanation,Yes,Yes,CR1346601,975
2015-04-24,Credit card,,Billing statement,,"Eagle National Bank emailed me an eroneous bill. They have admitted to the mistake but can not explain it. I told them this was illegal. You can not be sending out eroneous bills and hoping that people pay them without looking. On XXXX XXXX I received an email saying that I owed them {$53.00} due on XXXX XXXX. I knew this was incorrect because I had just scheduled my payment of {$28.00} to be paid on XXXX XXXX. I XXXX checked and I was correct. 

I went online to chat with a B of A rep who could not explain what happened. He said a Manager would call me back on Monday. No one called. I chatted again on Tuesday night and the rep just told me to call the XXXX number which I hate doing because I know there will be a long wait. I called the XXXX number and explained everything again to a rep who was researching it then mysteriously I was transferred to another person. Now we are a XXXX into the XXXX attempt at a resolution. I get a manager on the line named XXXX who I had to tell the story again to. After XXXX minutes of him not really making any progress I told him to call me back the next day with an explaination and I wanted a written apology. He called the next night but I missed his call. His message said he would call back in an hour and that he could not give me a call back number. He has never called me back. 
Are n't banks suppose to be fined for these types of errors. If I had been a senior citizen who was not on the ball I may have gone on line and paid the eroneous bill. Something needs to be done. 
",,Consent provided,Web,2015-04-24,Closed with explanation,Yes,No,CR1345293,3350
2015-04-24,Credit card,,Credit line increase/decrease,,"I have been a credit card holder at Target for more than XXXX years. During that time I have always timely paid my bill without fail. My small credit limit of {$500.00} means that every time I use the card for more than {$100.00} I in effect negatively impact my credit score. I have made several requests over the last few months to have them raise my credit limit and all I am told is that they have a policy that they review accounts on an ongoing basis. However I should update my income which I did in early XXXX, early XXXX and the latest on XXXX XXXX and I would hear within 75 days only if the increase is granted. 
However after numerous calls I have not been notified of any increase and have received no notification that the increase was denied or for that matter even considered because no notification was ever sent. 
I have made several calls and no one will give me this information but they propose that as a solution to impacting my credit score I do XXXX or XXXX of the following:XXXX File for a debit card and in effect give target an interest free loan. 
XXXX. Pay my bill immediately after shopping in the store even though the monies are not due for weeks depending on at what point in the billing cycle I hit. 
Certainly target the right to deny credit to any customer that does not qualify but I would think that they also have a legal obligation to appropriately notify a customer whether or not a request for a credit increase was denied and also the reason. Frankly I feel that Targets failure it appropriately notify me is in effect a form of discrimination because this failure does not offer me the opportunity to determine if credit is being denied for an inappropriate reason and I am indeed being discriminated against. 
",,Consent provided,Web,2015-04-24,Closed with explanation,Yes,Yes,CR1346827,4820
2015-04-24,Bank account or service,Savings account,Deposits and withdrawals,,,,Consent not provided,Web,2015-04-24,Closed with explanation,Yes,No,CR1345103,4461
2015-04-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"In XX/XX/XXXX, I realized I was no longer able to work, my condition had grown worse. In XXXX, I applied for Social Security XXXX Insurance, and in XXXX I applied for Credit Protection Services for my Eagle National Bank Visa Card. Unbelievably, XXXX was easier to obtain. EN started making frequent collection calls as I fell behind, but, no one could tell me what happened to my application or status for Credit Protection. EN started making monthly negative credit reports on my account and closed my account, despite my request to keep it open while ( I thought ) my application for Credit Protection was processed. 
I was awarded XXXX XXXX. Once I started to receive monthly income, I started trying to make on time payments to EN for my Visa account. EN continued to make negative monthly reports, and frequently would change the date late payments were posted. My credit score plummeted. I could not even buy a bed to help my back. No one would tell me why I was not covered under the Credit Protection Service. In XXXX XX/XX/XXXX, I was able to make my last payment to EN and $ XXXX my debt. To my surprise, EN never posted the account was paid off, but, instead started posting that my account was overdue, 30, 60, 90 + days, when it was paid off. Then, for reasons I do not know, EN offers to allow me to re-request Credit Protection Services, in XXXX. I completed the application with doctor 's signature. I also included my XXXX award letter, XXXX XXXX IME 's and proof that I was trying to work in XXXX XX/XX/XXXX. This time, EN awarded my Credit Protection Services, and sent me XXXX letters, on accepting my XXXX start date and XXXX denying a XXXX start date, which was fine. I also received a check for {$910.00} for fees, which is great. 
However, no corrections have been posted to any Credit Agency to update and improve my credit scores. My credit is still very low, directly due to the negative reporting and lack of positive reporting by EN. I have missed out on houses on the market to try to lower my monthly expenses and can not get any credit until these years of EN 's bad credit reporting are fixed. 
I have documents but can not upload from my home. 
",,Consent provided,Web,2015-04-29,Closed with explanation,Yes,Yes,CR1343143,2356
2015-04-23,Bank account or service,Checking account,Problems caused by my funds being low,,"Using the Eagle National Bank online banking system, I transfered money to my daughter into her Eagle National Bank account for use the following morning. She confirmed the money was added into her account and I noted it had been subtracted from my account. The following morning, the funds are gone from her account and are found back in my account. She calls me to help and I transfer the funds again because they were show in my account. My daughter receives the funds and uses them. One day later, another transfer appears in her account for the same amount, but posted for the day prior ( although the money was not there the day prior ). My account is overdrawn with {$70.00}. Worth of overdraft fees. I spend XXXX hours contacting Eagle National Bank explaining that the funds were n't actually in my daughters account and it seems odd that they show up a day later and are posted for the day prior. XXXX employees of Eagle National Bank are unable to explain this to me and tell me it 's my mistake and they will not give me any relief on the overdraft fees. 
",,Consent provided,Web,2015-04-23,Closed with monetary relief,Yes,No,CR1344680,4969
2015-04-23,Credit card,,Other,,"The promised card benefits ( purchase protection ) was not honored 
",,Consent provided,Web,2015-04-23,Closed with explanation,Yes,No,CR1343728,3557
2015-04-23,Credit card,,Other,,"XXXX unrecognized charges classified as Bank Fees appeared on credit card activity statement. XXXX appears to be from a dispute on my credit card account earlier in XXXX and the other charge is not recognized. XXXX charges appeared XXXX/XXXX/2015 and are listed as XXXX XXXX and XXXX XXXX XXXX XXXX. No information was conveyed regarding these charges ( written or electronic ), why they are present or what is the rationale behind them. 
",,Consent provided,Web,2015-04-23,Closed with monetary relief,Yes,Yes,CR1343128,1071
2015-04-23,Bank account or service,Checking account,Deposits and withdrawals,,"I had posted an ad to sell my car. I received a check which included a fee for movers to take the car. I went to the bank after the funds were made available and withdrew the money. After i had done so, i met with the movers who took the car to their location and gave them the money. The next day I went to the bank and asked them if everything was okay with the check as well as my account which they reassured me did not have any issues. I told them the situation and tried to close out my account but was advised otherwise because my direct deposits from work would not be processed. The next day, I went to check my account only to find out that the check was returned and marked as a fraudulent check. I am out of a car and {$3000.00} in debt. No one had helped me resolve the situation or to reach a solution and did not even consider the fact that I am a XXXX who supports herself and lives paycheck by paycheck. Why would a bank make funds available out of convenience if the customer does not have the funds to back it up? Out of convenience for the customer who has been a member of the bank for years, why would they not verify checks before making funds available? Why is it when I had told a bank investigator, I am being told that the bank has taken a loss of {$3000.00} while i had also taken a loss for {$3000.00} as well as a car? Why do banks have protection against fraudulent checks and not the customers who are loyal members and trust the banks? 
",,Consent provided,Web,2015-04-23,Closed with explanation,Yes,No,CR1343257,3290
2015-04-23,Credit card,,Late fee,,"My wife always pays the bills online and at least XXXX month inadvance. lets just start in XX/XX/XXXX. This was already paid onXX/XX/XXXX, then XXXX was paid on XX/XX/XXXX, then XXXX waspaid on XX/XX/XXXX, Then XXXX was paid on XX/XX/XXXX, then XX/XX/XXXXwas paid on XX/XX/XXXX, and finally XXXX was paid XX/XX/XXXX. Then XXXXI received a bill with a due date of XXXX XXXX that included a late feefee for XX/XX/XXXX of {$25.00}. As you can see, this charge should'NEVER ' have been applied because my wife was not just XXXX ahead of payments but several months. I dounderstand that sometimes computer billing systems maynot understand payments made in advance so I calledcustomer service and asked to speak to a supervisor andwas handled by XXXX. She saw the advanced paymentsyet she said she would not remove the late fee. This fee isactually a fee for paying early!! ABSURD!!! I want this XXXX not "" waived as a courtesy '' as smugly as XXXX stated, but I want it removed because a fee for early paymentshould never happen. XXXX calls it a late fee, I call it beingpunished for paying early. XXXX also claims that a '' courtesy '' waiver '' was already issued on the very XXXXpayment. This should never have happened either. XXXX Jewelers said we would be billed in XXXX days butinstead we were billed immediately. When my wife noticedshe may be late if she paid online because it was alreadythe day of the due date, she went directly to XXXX XXXX and paipaid it with assurance that your firm would be called and the billbill be posted as paid on time. My wife listened XXXX on thephone to make sure things were taken care of. XXXX is nowstating that this constituted a "" waiver '' for a late payment. 
Once again this was paid on time, albeit the same day due, but every payment since then was paid in advance!! At notime was our account EVER late!!! I want this {$25.00} fee takenoff of my bill, not as a courtesy but because it does n't belongthere in the XXXX place and neither was the XXXX incident. I alsowant XXXX taken aside and retrained in handling customers. 
She ended the call with a 'smug ' "" Is there anything ELSE Ican help you with ''? XXXX did n't help me at all. She alsowould n't give me her bosses name or number in order for meto climb up the chain of command. XXXX stated that shehad the last word. Does XXXX run your firm or does sheanswer to someone else? If she does answer to someoneelse which I know she does, she needs to be made aware ofthis. Customers are owed satisfaction not insults!! Rescindthis late fee immediately or I will take further legal action. 
A very dissatisfied customer!!! 
","Older American, Servicemember",Consent provided,Web,2015-04-27,Closed with monetary relief,Yes,No,CR1343271,4251
2015-04-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-28,Closed with non-monetary relief,Yes,No,CR1344245,120
2015-04-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-04-23,Closed,Yes,No,CR1344849,3891
2015-04-22,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"I fell behind in my Credit cards payments as a result of medical issues that have caused issues in with my budget. I was contacted by Eagle National Bankn and agreed to a payment plan in XX/XX/XXXX. I was told by the Bank representative that if I made three months worth of payments that my account would re-age and I would be able to return to regular payments however I would be charge a late fee as a result of my payment still being behind for the next three months and my account would reported as late to the credit bureau. I was also told to call each month after the agreed payment was made. Since XX/XX/XXXX I have made the payments each month and called each month since only to be told SOMETHING DIFFERENT each time by representatives from Eagle National Bankn. It is almost XX/XX/XXXX and still my account is being charged a {$35.00} late fee and my account is still being recorded as late and that is being reflected on my credit. 
",,Consent provided,Web,2015-04-22,Closed with explanation,Yes,No,CR1341577,9914
2015-04-22,Bank account or service,Checking account,Problems caused by my funds being low,,"I just started a new job. There was a memo sent out company wide about the company going from a bi-weekly to a semi-monthly payroll schedule. This company wide memo was issued prior to my start date. Friday XXXX XXXX was the beginning of the semi-monthly pay schedule. I scheduled all my bills to be paid on XXXX XXXX when I realized my direct deposit did not hit my account I immediately contacted my employer then contacted Eagle National Bank to inform them of what happened. The representative I spoke to assured me not to worry that she was going to notate my account so that these transactions are paid since since my direct was set to hit my account overnight. The direct deposit it my and Eagle National Bank returned all of the items and charged me XXXX overdraft fees with money to cover those items in my account. 
",,Consent provided,Web,2015-04-22,Closed with monetary relief,Yes,No,CR1342692,632
2015-04-22,Credit card,,Delinquent account,,"THIS IS NOT A CHARGE DISPUTE. IT IS ABOUT TAKING THE CHARGE OFF FROM MY CREDIT HISTORY. 
I held a Eagle National Bank Credit card. My credit card was stolen around XX/XX/XXXX and there were fraudulent charges on my card. I noticed this when I received the statement and launched a complaint with Eagle National Bank ( BOFA ) and disputed the transactions. BOFA froze my online credit card account and reversed the fraudulent. As a result I was unable to see any outstanding bills on my account. There was a genuine {$40.00} XXXX clipper card fee that was outstanding on the bill. As my account was XXXX, I was unable to see any outstanding payments on my account and the amount was sent to collections. I made the payment as soon as I received the statement from collections, However, this impacted my credit history. I called BOFA in early XX/XX/XXXX to take the late payment charge off my credit history and called back in XX/XX/XXXX to follow up. I was assured by BOFA that the charge was taken off from my credit history. I applied for refinancing my current mortgage and was told that the late payment impact is still being in reflected and my credit score has been impacted. As a result, I was declined the loan that I tried to refinance. BOFA promised that the charge has been taken off my account and it takes XXXX days to reflect on the credit card. I spoke to BOFA exec throught chat on XXXX and XXXX. I was assured that a customer service exec would contact me with the status. No calls. I tried calling them today on XXXX narrated the whole story and was then transferred to another department and then the call dropped. I tried again after being transferred to billing dispute department, fraud department and several other departments, I was told that the charge will not be taken off from my credit history and that I should take it up with the XXXX. My questions : 1 ) Why was I not told this when I followed up with them in XXXX, then in XXXX, and XXXX. 
",,Consent provided,Web,2015-04-27,Closed with non-monetary relief,Yes,No,CR1341047,2375
2015-04-22,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank put a hold on my debit card because they said I was not in state where acct was opened. Had to call them then they said it can take up to XXXX for card to start working again. Lady at Eagle National Bank said I needed to call them every time I would leave the state, like they were my travel agent or probation officer and not my bank. The bank dis n't call me to verify transactions or anything they just turn off my card which is illegal to do with out contacting me XXXX. I want bank fined to the maximum extent of the law for each violation 
",,Consent provided,Web,2015-04-27,Closed with explanation,Yes,No,CR1341648,10703
2015-04-22,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,Consent not provided,Web,2015-04-22,Closed with explanation,Yes,No,CR1341463,2190
2015-04-22,Credit card,,Other,,,,Consent not provided,Web,2015-04-22,Closed with explanation,Yes,No,CR1341678,12599
2015-04-22,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-05-12,Closed with monetary relief,Yes,No,CR1341901,4972
2015-04-22,Credit card,,Other fee,,,,Consent not provided,Web,2015-04-22,Closed with explanation,Yes,Yes,CR1341213,3524
2015-04-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-04-22,Closed with monetary relief,Yes,No,CR1341708,3528
2015-04-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-22,Closed with non-monetary relief,Yes,Yes,CR1341074,2718
2015-04-22,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-04-22,Closed with explanation,Yes,No,CR1342399,904
2015-04-21,Bank account or service,Checking account,Deposits and withdrawals,,"I had XXXX accounts with Eagle National Bank. XXXX account # XXXX this account had apparently been over drawn due to checks that were written to me by my Ex-husband and then deposited and returned. The amount was in excess of {$2300.00}. However, I did pay Eagle National Bank back and then they updated my information in XXXX as "" PAID IN FULL '' but I still can not get a checking account anywhere with any bank because they flagged it as being fraud. ( or attempting to transact account in an unauthorized prohibited manner. This is not the case and this should be removed from XXXX. 
",,Consent provided,Web,2015-04-21,Closed with explanation,Yes,No,CR1340123,4404
2015-04-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"on XXXX XXXX 2014 i, XXXX XXXX had my purse stolen out of my vehicle and have police incident report.i then called all my banks and credit cards to cancel.Bank of XXXX is the only bank not allowing me to close my account till this day cuz of not XXXX balanced..in XXXX i spoke to XXXX XXXX and arranged financial difficulty payments and already paid XXXX payments and still not closing my account and my numbers keep going up instead of down..XXXX owed on my checking and i didnt agree on that but arranged payments anyway ... XXXX on my credit card account totaling XXXX..still charging me fees and late payments wen its stolen nobody knew about arrangements..then got a hold of a lawyer and no respond to our letter, ,i just want my account closed and i only owe XXXX to the checking if that XXXX on my credit card minus the charges.lawyer was XXXX XXXX FILE # XXXX. to show that i followed thru and they have not and its fraud, 
",,Consent provided,Web,2015-04-21,Closed with monetary relief,Yes,Yes,CR1339827,3932
2015-04-21,Credit card,,Customer service / Customer relations,,"After a 19 year customer BofA my card was canceled with no notice. I never had a late payment. After returning from XXXX Army XXXX I XXXX am not able to enter a crowded store and was able to purchase gas at the pump outside with my credit card. My car number is "" ******************* ''. Any explanation would be greatly appreacheaded. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, KY XXXX 
","Older American, Servicemember",Consent provided,Web,2015-04-21,Closed with explanation,Yes,No,CR1339748,1828
2015-04-21,Credit card,,Billing disputes,,"Eagle National Bank cancelled my credit card and issued me a new XXXX because they had detected fraudulent activity despite the fact that I verified all the charges as not-fraudulent. I made XXXX returns for purchases purchased on the old card, which were returned to the old card and the credits never appeared on my account which was now linked to the new card but carried the existing balance from the old card. It took over a month of me calling and chatting with Eagle National Bank representatives almost daily to get one of them to even recognize that there were $ 300+ of credits sitting in the old account that needed to be transferred over. After that nightmare, some of the credits, though they are listed as credits, added charges to my balance instead of crediting my balance. I have spent countless hours trying to get a representative to hear my problem. Instead of listening to what I say, they repeat my balance over and over and tell me when my last payment was made. There is still no resolution. It is XXXX XXXX, 2015, and my first contact was made for this issue on XXXX XXXX, 2015. I have contacted more than XXXX times since XXXX XXXX, still with no resolution. 
",,Consent provided,Web,2015-04-21,Closed with monetary relief,Yes,No,CR1339536,5911
2015-04-21,Credit card,,Delinquent account,,"Eagle National Bank had a credit card for me years ago. They set me up on a payment plan and advised me that my account would report paid as agreed. I had several people from their service line talk to me assuring me it would n't hurt my credit, but now they 're reporting it 150 days past due at some point. It 's been paid off for years in full. My credit scores are all over XXXX with all accounts paid as agreed. I feel they misled me and said whatever was required to get me on the payment plan. It was deceptive. I 've since asked them for records of the calls and past statements. They said they can not provide either. I 'm curious how they 're sure about anything on the account if they ca n't provide me records for transactions less than 5 years old. 
",,Consent provided,Web,2015-04-21,Closed with non-monetary relief,Yes,No,CR1340568,4615
2015-04-21,Bank account or service,Checking account,Deposits and withdrawals,,"RE : COMPLAINT ABOUT Eagle National Bank BRANCH AT XXXX XXXX XXXX, XXXX NY XXXX BRANCH MANAGER XXXX XXXXHello : This is a formal complaint about the above referenced bank and its branch manager. 

First they refused to honor a {$2500.00} check payable to me as the owner of the law firm where I am directly listed on the account as the owner, opener, and as the account holder, thus severely screwing up my accounts and balances - they state they changed their policy a month ago but no written notification has been provided to their customers and no reasonable time was provided before this branch launched into such a disruptive and ridiculous policy. 

Second when I went to open up an attorney escrow account they made it as a regular escrow account not an XXXX Account which was again their severe mistake, with a regular escrow accounts being charged maintenance fees when no fees are supposed to be assesses on attorney XXXX Accounts as per state and federal regulations. 

Please investigate and advise. 
",,Consent provided,Web,2015-04-21,Closed with explanation,Yes,No,CR1340456,4040
2015-04-20,Bank account or service,Checking account,Problems caused by my funds being low,,"Due to an audit, my state tax authority submitted an "" order to withhold '' to my bank. Not the most fun thing to happen, but perfectly reasonable. Part of the order was a {$100.00} fee. The shocker came when I contacted the state tax authority and discovered that the fee had nothing to do with them - they do n't attach fees to "" orders to withhold ; '' imagine that - the fee was being charged by the bank. My state tax authority agreed to reduce the amount of the order - really, they were more than courteous and reasonable - but could do nothing about the fee. Ultimately the fee turned out to be more than the order. The bank released the remainder of the order back to me, but kept the fee. 

I 'd really like an explanation of why a {$100.00} fee ( that in my case was more than the legal order from the state tax authority ) is reasonable and appropriate. What costs does the bank incur that are covered by that fee? Do they have some employee somewhere that gets paid {$100.00} for the XXXX minutes it takes to review the order manually and push some buttons? Is there a human being involved at all? 

Like many other types of fees, this XXXX is far more injurious to someone with a low bank balance than someone with a high XXXX. Someone with a balance over XXXX figures would barely notice a {$100.00} fee. On the other hand, someone with a balance over XXXX figures would barely have noticed the amount of the legal order issued by my state. I have never had a balance like that, so a fee of {$100.00} literally means that I have to scramble to make sure not to overdraw the account. ( Which would result in a different set of fees. ) These fees are practically calculated to suck the life out of people that have very little money on which to survive. 

I understand that the bank is providing a service, and that they exist to make a profit through their services. I do n't begrudge them fees in general, but ca n't they charge fees based on the average balance? In any case, a fee of {$100.00} seems excessively high. 

The other, less annoying, problem : according to the state, the bank should hold the affected funds for 10-15 days. My bank DEBITED the funds in less than XXXX. Really? They needed that tiny amount of cash right away? 
",,Consent provided,Web,2015-04-20,Closed with monetary relief,Yes,No,CR1338406,4556
2015-04-20,Bank account or service,Checking account,Deposits and withdrawals,,"i suddenly see my account overdraft ... i got charges for overdraft. they returned payment for XXXX charges. i had no idea what happened and i received no notice of whats going to happen or why. only aftger calling and being told that they can not help me and i can be transfered to a manager after holding for almost an hour. i was told to leave a message and a manager will call me back within XXXX to XXXX hours. I have still not gotten that phone call back. 
i then received a letter in the mail stating that a check that was deposited into my account in XX/XX/XXXX! XX/XX/XXXX!!!!! was now in XX/XX/XXXX!!! claimed by someone else ... what a joke??????? i have still not received my money back! i want them to credit my account for all the money and fees that resulted in and they send a letter to my insurance company explaining that i was not at fault for the returned items!!! i need to be compensated for this!!! 
",,Consent provided,Web,2015-04-20,Closed with monetary relief,Yes,No,CR1336821,1632
2015-04-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I used XXXX "" access checks '' from Eagle National Bank ( {$600.00} each ) to pay a contractor for work related to repairs on my house. The XXXX access check was written to him for the work. The XXXX access check was written to him after he claimed that the XXXX check was accidentally destroyed by his dog. He then never completed the work nor returned any of the money. Since then, the police has charged and arrested him ( the case is pending trial at this time ). I had also notified Eagle National Bank asking them to reverse these charges. They had asked for a copy of the original contract ( which I provided ) and evidence of the work not being completed ( they refused to accept pictures ). On this, I submitted the adjusters report from the claim I filed on my homeowner 's insurance. This report showed clearly the significant damage done to my home as a result of the incomplete work by the fraudulent contractor. I had also submitted the police report and contact officer 's information to Eagle National Bank. After receiving a rejection letter from Eagle National Bank claiming I did not submit all required documentation ( which in good faith I had! ) I called their Status Department for dispute resolution and spoke with XXXX XXXX the supervisor. She admitted that EVEN IF I FOLLOWED THROUGH EXACTLY WITH ALL OF THEIR REQUIREMENTS ( which I did! ) that they STILL COULD NOT RE-CREDIT MY ACCOUNT since, in her words, Access Checks are like cash. I had used those access checks because I felt they gave me greater security in dealing with merchants. As a consumer, when I use those checks, they show up as CHARGES TO MY CREDIT CARD and thus should be treated like any other charges I would make from time to time using the credit card -- thus being protected from unscrupulous merchants. As a final note : I expect in life to have to deal with people who are out to defraud me ; unfortunately, its a part of life. What I do n't expect and am even more angry over is when a company that promises to protect my purchases IN WRITING fails to follow through with that commitment. 

I have the following documents : 1. original contract with the contractor ; 2. copies of checks cashed ; 3. police case # and investigating officer ; 4. copies of insurance adjuster report detailing damages to my house ; 5. invoice from the new XXXX I had to hire to repair the unfinished work ; 6. documentation of phone calls to Eagle National Bank ( XXXX phone calls over a period of 2 months totaling over 2 hours ) ; and 7. XXXX fax confirmation sheets that I had sent to Eagle National Bank providing documents that they requested. 
",,Consent provided,Web,2015-04-20,Closed with explanation,Yes,Yes,CR1336698,759
2015-04-20,Bank account or service,Checking account,Deposits and withdrawals,,"On or around XXXX/XXXX/2015 I realized I owed according to my online account {$10000.00} on my XXXX mortgage. Being that I had a Home Equity account with only a 3.4 % interest rate and this loan was a 9.8 % rate that I would transfer the remaining balance. I did a transfer for the amount and it did not show on my account so I did the transfer again. The next day I came in and still did not show the loan paid off so I called them that may have been XXXX or so and they said they would transfer it back and I believe I had to call them again and that is when I was told that I could not transfer the money from the HELOC to the mortage and that is why it was n't showing so I said when you transfer it back I will transfer it to my checking and then to the loan. I was actually borrowing from the HELOC. Since XXXX XXXX the money is still showing XXXX the amount of the transfer. I have called Eagle National Bank many times and today alone on XXXX I have spoke with XXXX, XXXX, XXXX ( left him a XXXX message ), and XXXX and XXXX. By the time I spoke with XXXX she said since I had been on the phone over an hour that she would call me back, I said can you give me your number because you are the XXXX person today. She gave me the number of XXXX extension XXXX. The number does not go through at all and she has yet XXXX hours later to call me back. On last Friday, XXXX. I received a confirmation of XXXX from another representive and she has never called back. I did not get her name. I received a letter from the mortgage department saying it was overpaid and they are returning my payment then a XXXX days later another letter that said I had a balance of {$93.00} and when I keep calling XXXX who had left me a message he never returns my calls. I have spoke to about XXXX other people whose names I did not write down over the past 3 weeks and my balance is showing an extra + {$10000.00} that is missing and I am paying the interest. EN told me that I could not pay from the HELOC but yet the mortgage office said they took the very XXXX payment and do not show the XXXX payment. i am so frustrated in that I have XXXX XXXX XXXX and very protective of my credit. I have called the corporate office numbers and it hangs up on me after it says stay on the line. I do n't have anything to upload but I can pull my phone records in that when I was calling them the week of XXXX I was in XXXX Washington on work related travel. I have made approximately XXXX phone calls and after I think someone can help me they put me on hold for a while and then I end up with a new rep. Can you please resolve this because they can pull all my account information to reference my transactions and they have acknowleded they see the transactions but yet no one has credited my account nor the interest and no one owns the mistake. I have tried to get in touch with corporate to no avail. There is more to the story and they can pull phone calls also to listen to all my phone calls. Lastly on XXXX. I spoke with a young lady, do n't know her name and she was going to get me an answer and call me on XXXX and XXXX. I never got a message from her my phone did ring from a strange number and I answered it but they hung up and she says she left a message and that is untrue that is why I called on the XXXX. Nevertheless I am really concerned. 
",Servicemember,Consent provided,Web,2015-04-21,Closed with monetary relief,Yes,Yes,CR1338515,3528
2015-04-20,Bank account or service,Other bank product/service,Using a debit or ATM card,,"On XXXX XXXX 2015 I went online to check the balance on card/account before making a withdrawal. I found that someone had accessed my account on XXXX XXXX, 2015 from an ATM making XXXX balance inquiries and XXXX subsequent withdrawals each in the amount of {$400.00} totaling {$800.00}. I called Eagle National Bank and cancelled the card. They told me I would receive paperwork to fill out and return for a fraud claim and would receive a credit pending an investigation. I never received the documents and when I called to check the status on XXXX XXXX, 2015 Eagle National Bank told me that the claim was denied stating that I had not proved that Fraud had occurred. Additionally, on XXXX XXXX 2015 I filed a police report and contacted Eagle National Bank ( on that same day ) with the report number. 
",,Consent provided,Web,2015-04-20,Closed with monetary relief,Yes,No,CR1337791,3078
2015-04-20,Bank account or service,Checking account,"Account opening, closing, or management",,"The reason for my complaint is a couple years back I had XXXX bank accounts never bounce a check went over draft or anything I lost my job and applied for a XXXX job for some income until I get a real job so I was told to cash the check they sent me and do Wat I was told like shop at a store and give feedback. I did so but just XXXX the process I found out that it was a scam. I called my bank to advise them of the situation and I was told I needed to wait for the check to cash XXXX so I did the next day I called the bank to see what I can do about the situation and they told me unfortunately they had to place a check fraud under my name. And I could n't do anything about it for 7 years. XXXX off I called the bank to advise them of the situation and the fact I was not aware it was a fraud before the cashd itit. XXXX of all I was never arrested or convicted for that either. Which I should n't have cause I was in contact with the bank advising them what hAppened all I want is a bank account so I can deposit my money. I do n't think I was treated fair in this situation I need help please help me it was Eagle National Bank 
",,Consent provided,Web,2015-04-20,Closed with explanation,Yes,No,CR1337113,1517
2015-04-20,Credit card,,Delinquent account,,"I called Eagle National Bank to determine how I could get current on my account since I have been principally unemployed since XXXX/XXXX/2014. I was told I needed to pay approximately {$3000.00} or agree to a debt consolidation agreement with an outside agency. I explained that I only remain delinquent on this account, which was a joint account that somehow was transferred solely to me. I asked about any other program and I was told no and this was my only option. I was then hung up on. The agent was unaware of the effects a debt consolidation and account closing has on credit and FICO scores. Eagle National Bank is pushing debt consolidation with an affiliate in order to make more money which I believe is an illegal practice. They are refusing to allow me to keep current and has applied {$300.00} in payments to fees which they add every month. 
",,Consent provided,Web,2015-04-20,Closed with explanation,Yes,Yes,CR1337960,11271
2015-04-20,Credit card,,Advertising and marketing,,"This complaint is about the EN Easy Rewards ( 5 % ) card which I applied for late last year. EN 's own marketing and online material tells users the card offers 5 % cash back at grocery stores, among other categories, for the first six months. 

While using the card, I quickly realized that stores traditionally not thought of as purely grocery stores such as Target and XXXX had their transactions posted as "" grocery stores '' and thus earning 5 % back. Using this card allowed me to make a large percentage of my transactions, and proportion of daily spending, in a 5 % cash back category. Beginning in XXXX 2015, EN started repeatedly declined and holding up my transactions for review. Payments from my EN checking account were put on hold for days on end, limiting my use of the card. 

After calling customer service multiple times, representatives told me that that my account was put on hold pending fraud reviews. While some holds lasted a week or XXXX, the final "" review '' on my account lasted well over a month. During all this time, I had enough available credit on my account to make any of the purchases I wished to make, and even had a positive balance. 

Half way through XXXX, with a credit on my account, I tried to close the account. The credit card would not be any good to me if I could not make purchases on it for weeks at a time while my account was in review. I was told repeatedly by account reps and supervisors that my account could not be closed while it was in review ( my account had a positive credit because of rewards I had redeemed at this time ). 

In early XXXX, I received a letter explaining that I had "" unusual and/or excessive purchases and/or payment transactions '' and my account had subsequently been closed. No one at EN could explain how what I had done constituted those terms. 

Rather I believe EN saw that it was losing money off me because I had discovered that ( due to XXXX and Target earning 5 % in cash back, where I made purchases ) that I had been an unprofitable customer. In response, they prevented me from using my card ( declining purchases ) and eventually closed my account, because they did not wish to follow the terms and conditions originally agreed too. It is worth noting XXXX and Target are huge and offer almost anything I could need to purchase making it justifiable that a large amount of money could easily be spent there. 

Therefore, EN is performing a bait & switch, holding my money and credit limit ( and sometimes the payment credits on my account ) hostage while they conduct their reviews. Declining my legitimate purchases represents an unlawful action where the company involved does n't provide limits on a service some people might use more regularly then initially designed. EN offers a 5 % rebate incentive to use their product at certain stores, however, when people actually use the card, EN hides behind fake fraud claims and blocks entire use of the card.Until EN fully discloses any changes to its credit card terms and conditions on the use of the card and any limits involving its rewards categories, then they have no right or reason to block or restrict my legitimate use of the card. EN is only limiting my card usage because they perceived me as spending an 'unusually large ' amount of money in a bonus category and do not wish to honor the 5 % cash back offer they extended to me. 

This ordeal, through no fault of my own, has put a derogatory note on my credit reports, showing that one of my accounts was "" closed by issuer. '' This message reflects negatively on my credit report and could cost me in future transactions I under take with other financial institutions. 
",,Consent provided,Web,2015-04-20,Closed with explanation,Yes,Yes,CR1336655,23
2015-04-20,Credit card,,Transaction issue,,,,Consent not provided,Web,2015-04-20,Closed with explanation,Yes,No,CR1337572,434
2015-04-20,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-04-20,Closed with explanation,Yes,Yes,CR1338029,401
2015-04-20,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-04-20,Closed with monetary relief,Yes,No,CR1336661,852
2015-04-20,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,Consent not provided,Web,2015-04-20,Closed with explanation,Yes,No,CR1338366,9231
2015-04-19,Bank account or service,Checking account,Deposits and withdrawals,,"I have an checking account with Eagle National Bank. There was a security breech at the XXXX XXXX and all information with regards to card numbers and pin numbers being stolen. They froze my account in I believe it was XXXX and said in the letter explaining the problem that a new card would be sent to me and it never was. I have called several times trying to get my money out of the account but they always say that they cant help me because I cant tell them about any transactions I have had in the last 90 days. The only thing I can do is go into a Eagle National Bank branch and prove who I am, meanwhile a frozen account is still being charged {$4.00} a month for maintenance fee. I am a XXXX running projects in XXXX XXXX and the Eagle National Bank is only in the XXXX states and XXXX. They are basically stealing my money by refusing to give me my money back in a check sent to my house in XXXX. 
",,Consent provided,Web,2015-04-20,Closed with monetary relief,Yes,No,CR1336385,4483
2015-04-19,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-04-19,Closed with non-monetary relief,Yes,No,CR1336511,741
2015-04-18,Bank account or service,Checking account,Using a debit or ATM card,,"I last physically used my card to travel from XXXX where my college is located to the XXXX on XXXX/XXXX/15, and since I was home I did not pay any mind to my card. To my knowledge it was in my bag, my mother drove me back to school and I was well occupied with my studies until the following friday morning I wanted to purchase something and my card was no where to be found. I called and the bank, Eagle National Bank and they put a hold on my account, then I checked my bank statements and there has been irregular activities, and large amounts of money being deposited and withdrawed. I went to receive a new card at the bank, and soon after they closed my account due to fraud. I filed claims because there were a XXXX of dollars that were deposited and withdrawed that were never mine. I called costumer service for Eagle National Bank and they told me I would be held responsible because the card was being used in the ATM, I am well aware that I am the only person that should know my pin but I did not make any of these transactions. I never authorized any of these transactions. There were also XXXX money orders that were deposited under my name and I have copies of these transactions mailed to my home. Since then I have been trying to resolve this problem with Eagle National Bank and they have not been helping with the situation, they repeatedly just state that I am responsible to pay the negative balance on my account. Eagle National Bank should be responsible for allowing these transactions because the money orders that were also deposited were for 22 cents and the person who is in possession of my card altered the amounts to XXXX of dollars. 
",,Consent provided,Web,2015-04-18,Closed with explanation,Yes,No,CR1336203,3275
2015-04-18,Credit card,,Closing/Cancelling account,,"My account with Eagle National Bank is in good standing but, after my XXXX daughter had problems with her account they started mixing things up with me. 
Now their telling me that my account was closed even though they just sent me a new card and I even was able to activate it and my account is at XXXX balance. 
They claim its because of my past credit problems after the passing of my wife and are now corrected but, when they were n't corrected they did n't have a problem keeping my account open. How can they justify closing my account that is in good standing for years and say its because of thepast with someone else but, has been fixed? 
",,Consent provided,Web,2015-04-18,Closed with explanation,Yes,Yes,CR1336115,4444
2015-04-18,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-04-18,Closed with monetary relief,Yes,No,CR1336524,826
2015-04-17,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank has, in two weeks time, tried to improperly take overdraft fees on my account with XXXX separate checks. The XXXX occurred when Eagle National Bank charged my account XXXX day early for a monthly fee. After calling and complaining to a service rep, Eagle National Bank admitted to the mistake and credited my account with the fee. The XXXX incident is far more serious. My check to the IRS for taxes was {$5900.00}. I sent this check in the mail on XXXX XXXX and it was cashed on the XXXX, thereby affecting my account. No check clearing days were given and my account was overdrawn. My paycheck hit my account on the XXXX, thus covering the check. The check to the IRS bounced, Eagle National Bank hit me with a {$35.00} fee, and I now may be responsible for penalties to the IRS. Eagle National Bank is now liable for any penalties that I incur as they provide no time for the check to actually clear as they do whenever I have a personal check issued. I ask the CFPB to investigate this incident thoroughly. 
",,Consent provided,Web,2015-04-17,Closed with monetary relief,Yes,No,CR1335720,310
2015-04-17,Bank account or service,Checking account,Problems caused by my funds being low,,"I was charged an overdraft fee of {$35.00} on XX/XX/2015. The payment that caused my account to be "" overdrawn '' did not post to my account on XXXX/XXXX/2015, after a cash deposit cleared the account. My account never had a negative balance. When I called the bank, they refused to credit me the NSF fee stating that the payment was processing. I was only able to speak with the bank via chat session. I have a copy of the transcript of the chat session. 
",,Consent provided,Web,2015-04-17,Closed with monetary relief,Yes,No,CR1335605,493
2015-04-17,Bank account or service,Other bank product/service,Deposits and withdrawals,,"My XXXX issued me a Eagle National Bank debit card through which I would receive payment for XXXX. I am no longer with that XXXX XXXX and called the Bank to close the account. They said I should expect a check in the mail in 7 to 10 business days. That was in XXXX. It 's now been 2 and 1/2 months. And after repeated calls still no check. They said my first and last names were switched. The first XXXX and last XXXX digits of my account are XXXX 
",,Consent provided,Web,2015-04-17,Closed with explanation,Yes,No,CR1335283,11271
2015-04-17,Bank account or service,Savings account,Deposits and withdrawals,,"On XXXX/XXXX/2015, at around XXXX, I deposited a small payroll check into a Eagle National Bank, ATM near my home. I earned the check, that was deposited into my saving 's account, as a XXXX for a XXXX. The check was issued from a local, reputable, employment agency. I received a printed receipt from the ATM stating that the full amount of the check ( a little over {$200.00} ), was "" Available ''. That same evening, around XXXX, I went into my Online Banking and transferred the deposited funds ( Available funds ) into XXXX other accounts I have with Eagle National Bank in order to make payments on credit cards. The next day, XXXX/XXXX/2015, I found that my checking was overdrawn and that a HOLD had been placed on the check. According to the notification showing in my online banking ; A letter had been sent, Via XXXX, stating why the funds were put on hold. Additionally, the letter would state when the funds would be released. As of XX/XX/2015- I have NOT received a letter from Eagle National Bank stating why the funds are on hold, or when the funds will be released. After I complained, via chat ( on XXXX ) and phone on ( XXXX or XXXX ) I did receive an email from the bank on XXXX/XXXX/2015 stating that there was a notice added to my account. When I logged on to my on line banking to read the notice there was a notice. Strange, but the online notice was dated XXXX/XXXX/2015. The notice states the following : A hold was placed on your check ( XXXX ) because check specific information indicates item may be returned. When I checked the notice the XXXX time, on XXXX, I do n't recall seeing a date when the funds would be released. However, it is possible that I am mistaken regarding there being a release date on the letter- and I will check my records to see if I have downloaded the notice prior to today. However, the online notice is an obvious template with a box to add information and I am skeptical that the release date was in the notice the XXXX time I checked. The reason I am skeptical is, that I specifically called a customer service agent to ask for a letter, and the release date of the funds. The agent I spoke with told me, over the phone, that the funds would be available on XXXX. Now the notice, that I have to log in to my account states the date for the funds will be available on XXXX/XXXX/2015. I do n't understand why the bank ca n't tell me whether or not the check is good, and is not able to obtain the funds into the account in 10 days! I work on weekdays during banking hours and have had no answers from Eagle National Bank 's customer service. 
",,Consent provided,Web,2015-04-17,Closed with explanation,Yes,Yes,CR1336047,1778
2015-04-17,Bank account or service,Checking account,"Account opening, closing, or management",,"We are not stupid and we deserve the true and treated with respect and make us feel that we have you all to protect our security identity and help us solve an issue like this kind. That believe me is nothing agradable to go thru this. I been robb since XX/XX/XXXX and I already explain you all all the situation. And I send papers information of you tell me to send. My transaction I made I write in a paper and police report send it by fax. And and I take that molestia to call you. Because if I do n't call you, you never call me and inform me nothing, exactly like you never inform about any transaction made it or mail, text nothing at all for my transaction made it. And already made XXXX claims XXXX and XXXX and claim rep. Say everithing was fine so the issue star like XX/XX/2015 thru XX/XX/XXXX. Or XX/XX/XXXX. And my balance was up much more. More than XXXX dollars and you lie to me and refund dates of XX/XX/XXXX so what XXXX???? 
What you make us think? The issue is XX/XX/XXXX since today or the day I do the claims. Not only XX/XX/XXXX. If I explain the Stating issue of feb. And you all telling me lies and when I see the stamens only issue cover on some days in XX/XX/XXXX. With my balance that was XXXX XXXX XXXX XXXX like total of XXXX and you are solving the issue with XXXX? 
I deserve a professional quality of you help. Not life of our situation and telling what was my transaction and with are my balance and deposit and you refund the issue with XXXX. I ca n't believe it. 
",,Consent provided,Web,2015-05-15,Closed with explanation,Yes,Yes,CR1334855,711
2015-04-17,Credit card,,Rewards,,"I applied for Eagle National Bank EasyRewards card on XXXX/XXXX/14. They had an offer ending XXXX/XXXX/14 stating that I should receive {$100.00} in cash back rewards after spending {$500.00} or more within first 90 days. I have spent more than {$500.00} within that timeframe, but have never received this bonus. 
",,Consent provided,Web,2015-04-17,Closed with explanation,Yes,Yes,CR1335578,4439
2015-04-17,Credit card,,Other,,,,Consent not provided,Web,2015-04-17,Closed with explanation,Yes,No,CR1334460,1802
2015-04-17,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-04-17,Closed with explanation,Yes,Yes,CR1335697,2370
2015-04-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-17,Closed with non-monetary relief,Yes,Yes,CR1336544,4421
2015-04-16,Bank account or service,Checking account,"Account opening, closing, or management",,"Hello I had a bank account with Eagle National Bank, the account was changed to an online E account after spekaing with an agent there and explaining my financial situation, it was decided it 'd be decidingly the best approach to avoid fees. 

Upon making the desired change the agent told me flat out that the account would n't be subject to closure for as long as I did n't make any such requestNow upon a conversation with EN client solutions as well as their Account re-activation team the account was closed because it went dormant, well that 's not a surprise but I told the agent who made my account change that I may have no choice but to not sue my account for a long time while I pay down my debtload, and that 's why he suggested the E-Service Bank account. 
Now what makes this interesting is, I did n't clsoe the account my self, it was done by the Bank it self, I did n't receive any notifcation or statements via e-mail from the bank the account was going dormant and as per their policy, my information is onfile with them for 7 years after an account closes, and they told me from their own Re-activation team since there 's no balance owing, their XXXX team should be able to fully restore my account. 

See i 'm actually a XXXX citizen and when I opened my account it was less restrictive for account opening policies, I had used my Passport to open this account, as well as a ID card and some other id, I had no issues at all and I was able to use my XXXX address to open it, Now I 've been told that the rules have apparently changed and a XXXX address is required to open a new account, Eagle National Bank states this is becaus eof the XXXX, well you no what I 've been a member of XXXX Bank and XXXX Bank in the XXXX and they say they 'd be more than happy to use my XXXX address to open my bank account with the correct ID, this policy is discrimatory a person should be able to open a bank account anywhere if there Identifcation is verified ( which is all government issued anyways ). 
The fault here lies with Eagle National Bank for failure to notify me as the status of my account status, even my online account still works. 
The account now that I had with them is no longer being offered by the bank and that 's fine I do n't mind switching to their Core cheqing account. 
Also another matter is the account where I opened this account XXXX XXXX, Me closed down XXXX years ago, as Eagle National Bank decided to close down a few locations, so I would like to no if this had any bearing on my account as well, as my home branch was shut down and I had no indication of where my new branch would be located. 

The branch in question was XXXX hours away from where I live in XXXX, NB, XXXX, now the closest is in XXXX, which is 3.5 hours away. 
According to Eagle National Bank, my last activity on my account was in XXXX of 2011, it shut down I beleive in XXXX of the same year, well as previously stated I was paying down debt told the agent my intent and was told no problems would happen as my account was a new account and not the old Myaccess account I used to have as XXXX XXXX Keep the CHange Savings. 
Now my situation is even more burdensome as mentioned now because of the Banks new policy towards non resident aliens, the fact the bank is now requring me to have a full time u.s residency is absurd, thousands of XXXX and others visit the XXXX and open Bank accounts in the XXXX and freely travel back and fourth and have bank accounts in both countries. 
AS stated they still have my XXXX account on file, and said they could re-activate a closed account if no outstanding fees, and they are failing to go on their words. 

Thank you. 
",,Consent provided,Web,2015-04-20,Closed with explanation,Yes,No,CR1332457,2659
2015-04-16,Bank account or service,Checking account,"Account opening, closing, or management",,"I recently notified my banking institution, Merrill Lynch, that my husband and I were traveling outside of the country and wanted to use our debit cards while traveling. The bank was courteous and notated the accounts of our impending travel. I was able to use my debit card while in XXXX and had a wonderful life-altering experience. Upon our return to the States, our accounts were frozen without any notice. We contacted the bank and were told a multitude of possible reasons by several representatives to include the following:1. I attempted to login to my account while XXXX2. My husband carried a negative {$17.00} balance on XXXX of his personal accounts that was not tied to my personal account3. Our accounts were XXXX XXXX Accounts and we were n't conducting any share purchases. 
Of note, we XXXX held our accounts with Merrill Lynch for over two years without issue. Ultimately, my issue is not the bank 's ability to terminate our banking relationship. My issue is that the bank has put a hold on my assets without any legal justification. I have been told by several Merrill Lynch Representatives that I can not access my funds until the Operations Team Lead, XXXX XXXX XXXX, lifts the hold on my account. In the interim, I have no access to my money. The hard-earned money that I got up and went to work for has been seized for more than forty-eight hours because a too big to fail financial institution arbitrarily decided to terminate our banking relationship. This situation has left me void of funds to file my taxes timely, pickup prescriptions XXXX and the like ; yet no one seems to feel this situation warrants immediate action. Additionally, any transactions that were due to hit my account will be returned. Again, no one sees an issue with this banking institution 's ability to bounce transactions in my name. Last I heard, XXXX XXXX XXXX 's name is not currently being dragged through the mud with a insufficient funds sign attached to it. I am utterly appalled and quite frankly disappointed that in this country, consumers can be treated in such a vile way. 
",,Consent provided,Web,2015-04-16,Closed with explanation,Yes,No,CR1333831,234
2015-04-16,Bank account or service,Savings account,"Account opening, closing, or management",,"I was initially charged a {$35.00} fee on my checking account for a check that was dated for the following day. I was informed by Eagle National Bank that it does not matter when a check is dated for, tgey will cash it and charge you fees for being over drawn. They also charged me fees on ny savings account even though I was having money being deposited into it. I had enough of all the fees and asked to have the savings account closed. I have called XXXX times spoken with XXXX supervisors and they still refuse to close down the savings account so they can charge me additional fees 
",,Consent provided,Web,2015-04-16,Closed with monetary relief,Yes,No,CR1334062,2276
2015-04-16,Credit card,,Billing statement,,"My Eagle National Bank Credit Card statement balance was paid in full before the due date, and I was still charged a fee listed as a minimum interest charge. I called customer service and explained that the statement clearly showed that my previous balance minus my payments & other credits added up to zero, just like the previous month when no interest fee was charged. But, the customer service representative told me it was Eagle National Bank 's policy to still charge me a minimum interest charge regardless, and emphatically stated that this policy was not going to change. I believe this is a misleading and deceptive practice by Eagle National Bank, that is in clear violation of my credit card agreement, and should be illegal. 
",,Consent provided,Web,2015-04-16,Closed with monetary relief,Yes,Yes,CR1332492,13657
2015-04-16,Credit card,,Other,,"My issue is with Eagle National Bank. I have Visa and XXXX cards with them. For years ( more than XXXX ) I had them set up with automatic payments coming from another financial institution to cover the monthly amounts due. I started receiving notices that my payments were over due with added late charges. I checked with Eagle National Bank and they told me that the automatic payments had been canceled. They tried to tell me that I had requested the cancellation which I did not. Then they told me that the institution where the payments were coming from had canceled the payments. They did not. I got the automatic payment set up again. A few months later I started receiving notices that my payments were overdue with associated late charges. When trying to determine why this was happening Eagle National Bank could not give me any good answers. Over the past year Eagle National Bank has XXXX times canceled automatic payments which I had set up. In the delinquency letters that I received it was stated that they could increase the credit card interest to around 30 %. I am very concerned about the impact this has had on my credit rating. 
",,Consent provided,Web,2015-04-16,Closed with explanation,Yes,No,CR1333332,5722
2015-04-16,Credit card,,Closing/Cancelling account,,"UNCLOSED ACCOUNT after several request. CREDIT BALANCE origin is unknown. 
XXXX. Requested the closure of credit card about a year ago XXXX verbally. It remained open. 
XXXX. XXXX request sent certified mail through the XXXX Postal Service. Receipt confirmed. 
XXXX. Today, XXXX XXXX, a check in the amount of {$75.00} was received in the mail. The certified mail noted that the {$75.00} credit does not belong to me. 
XXXX. Placed a ticked off phone call today XXXX XXXX, 2015 to XXXX XXXX XXXX at XXXX MDT. This phone number is listed on their check # XXXX with a letter attached above the check. I called to let the answerer know that this money does not belong to me. She suggested I take it to a Eagle National Bank. I stated several times it is not my money. 
Through out the recorded conversation by the Credit Card Issuer, I could not verify whether this account is opened or closed. She demanded my social security number ; I provided the last XXXX digit. She demanded my mother 's maiden name ; I refused. She wanted an account number which she was provided from the recent and only statement I have ever received. She requested my mailing address, which she was provided. 

It seem ; the intent is to keep this credit card open on an unknown generated credit of {$75.00} ; perhaps even superficial to keep this account open. I have not charged on this account. I HAVE NOT MADE XXXX PAYMENT ON THIS ACCOUNT. There seem to be no effort on their part to close this account. HELP ... HELP ... HELP ... PUHLEEZE ... .. 
",Older American,Consent provided,Web,2015-04-16,Closed with explanation,Yes,No,CR1333445,3268
2015-04-16,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX XXXX, I had XXXX fraudgelent charges on my debit [ checking ] acount. XXXX "" fell off '' XXXX remained, I filled out the form, that day. Iwas told 7 days it woud be returned XXXX XXXX charges remained. After 10 days the money was not returned, I was then told It was an out of country fraud, another "" international form would ned to be filed, which I did asap. on XXXX XXXX. The bank accused me of using this site previously and the case was closed { it is an XXXX dating service, I am almost XXXX years old. ] I never did! the rep. XXXX was horrible to me! Although XXXX of the XXXX were reurned, they were giving me a horrible time. I then reached out to the branch fri.XXXX. spoke to the manager XXXX XXXX XXXX, she would return the money XXXX to my account. It was not, On the XXXX I rechecked and still not! as of today XXXX. it is still not been returned. 
",Older American,Consent provided,Web,2015-04-16,Closed with monetary relief,Yes,No,CR1333108,1091
2015-04-16,Credit card,,Credit determination,,"On my credit report there is an account ( Target ) that is not my mine. It belongs to a my x-wife not me. I have been divorced from her for six years. When we separated and she moved to XXXX. put in for a card under her name. I have never had such a card. I ask her four years ago to payoff that card or transfer the balance to other cards, she has not. The company says its in a joint card. The only card she got was in her name only. I need some XXXX to correct the mistake and put the card under her credit report and take it off mine. When I got the Devoice, I paid off the cards the judge requested and that she was to pay off. Please correct this injustice. 
",,Consent provided,Web,2015-04-16,Closed with explanation,Yes,Yes,CR1333087,1114
2015-04-16,Credit card,,Closing/Cancelling account,,"Eagle National Bank is using fraudulent terms to bait people into signing up for their credit card and then not paying them the rewards that they are owed. In XX/XX/XXXX I applied for the EN Easy Rewards credit card. The terms and conditions on the application today are the same as they were back then. They state that for the XXXX 6 months, XXXX earns XXXX points at grocery stores with no cap. It explicitly states that the amount of rewards that one can earn is unlimited. Well, my son and I have a LOT of expenses at grocery stores so this was very attractive for me. I applied, took the credit hit from the inquiry, was approved and added my son as an authorized user. For a few months this card was very beneficial to us due to the amount of expenses that we were earning XXXX points on. But in XXXX, Eagle National Bank decided to implement an unwritten points cap and shut people down who had already earned that many points. They will not admit to this, but from reading the exact same experience from others on online forums, I am positive that this is the case. In XXXX I attempted to log into my account and received an error message. I called and asked about this and they told me that they "" periodically did security reviews and I was deemed a risk for fraudulent activity '' blah blah blah, said something about money laundering. XXXX of all, this is absolutely bogus. How can you launder money with your own credit card? Money laundering is done by criminals who have a lot of cash they 've obtained illegally that they want to hide. Who ever heard of laundering money with their own credit card? No one, because its impossible. XXXX, I did absolutely nothing differently than I had been doing the previous months. They made up a reason to close my account because they decided I was n't profitable enough for them. I guess they might have the right to do this, except for the fact that they explicitly stated that there was no cap on the rewards that could be earned! This is classic bait and switch. They are making false promises of unlimited rewards which they have no intention of honoring. When my account was closed I had {$14000.00} in pending charges which would have yielded me {$730.00} in points. This is in addition to all of the points I would have made, if they had left my card open for the promotional period. I demand that they pay out on this. They will claim that their T & Cs state that they do n't have to pay rewards if an account is closed, but this does n't mean they can close an account just to avoid paying the rewards! Again, classic bait and switch! Crook institutions like this are exactly why we need the CFPB. Someone needs to hold these banks accountable! 
",,Consent provided,Web,2015-04-16,Closed with monetary relief,Yes,Yes,CR1333800,3022
2015-04-16,Bank account or service,Checking account,Using a debit or ATM card,,,,Other,Web,2015-04-27,Closed with non-monetary relief,Yes,No,CR1333854,4017
2015-04-16,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-16,Closed with explanation,Yes,No,CR1334143,2073
2015-04-16,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2015-04-16,Closed with explanation,Yes,No,CR1333048,3536
2015-04-16,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2015-04-16,Closed with explanation,Yes,No,CR1332550,6511
2015-04-15,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank is engaging in fraudulent business practices by charging me excessive overdraft fees, then claiming my bank is overdrawn by over {$1000.00}. The only reason my account was overdrawn by over {$1000.00} is because Eagle National Bank has been engaging in fraudulent business practices. In addition, Eagle National Bank fraudulently reported my name to XXXX and XXXX even though Eagle National Bank charged me excessive overdraft fees. Eagle National Bank is engaging in illegal acts by charging excessive overdraft fees then reporting me to XXXX and XXXX after charging me those excessive overdraft fees in excess of {$1000.00}. Eagle National Bank is engaging in fraudulent business practices and false advertising. 
",,Consent provided,Web,2015-04-15,Closed with monetary relief,Yes,No,CR1332132,52
2015-04-15,Bank account or service,Checking account,Deposits and withdrawals,,"I have been stolen from for XXXX years from Eagle National Bank HELP!!! XXXX XXXX, I 'm scared. Ca n't get any help. Have all documents. There fraud dept, is a separate mess. Please help. I am XXXX. On ssi.They have taken XXXX checks from XXXX XXXX to XXXX. And all savings..TheyThey even opened an online account in my name.I know who the players are..do not deal with personal bankers. Get out of bofa.Now.. I am XXXX. I had to learn the computer, enough to find things out.also, they stopped statements. 
",,Consent provided,Web,2015-04-15,Closed with explanation,Yes,No,CR1330845,451
2015-04-15,Bank account or service,Checking account,Problems caused by my funds being low,,"I just looked at my account and my {$9.00} and a few pennies overdrew my account and Eagle National Bank charged me a {$35.00} fee. They refused to waive even though I have been a customer for 14 years and I think this is my XXXX overdraft I have ever had in my life. I find it both excessive and incredible that 1 ) they seem to think that charging a few more than XXXX the debit makes sense and 2 ) it is impossible to have a conversation with the CSRs because they only give the scripted answers and are unable to take each customer as an individual. 
",,Consent provided,Web,2015-04-15,Closed with monetary relief,Yes,No,CR1331834,4096
2015-04-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I was in the process of being foreclosed on I paid ALL costs on reinstatement costs however, the following week after paying Bank is saying I still have a negative Escrow balance. The final figures are NOT accurate. 
",,Consent provided,Web,2015-04-15,Closed with explanation,Yes,No,CR1330641,3933
2015-04-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,"Late afternoon on XXXX XXXX, 2015 I took a check written from my business account into Eagle National Bank to cash. There was only XXXX teller working. The check was written for {$5500.00}. The teller ran the cash through the money counting machine and then took from the stack and said she almost gave me an extra {$100.00}. She put the money in an envelope, without counting it back to me, and I left without thinking there 'd be an issue. Well there is an issue! When I counted the money, and the bank was already closed, I found out the teller had given me only {$4400.00} ... {$1100.00} short. Immediately the next morning I went to the bank and explained what happened. The first representative immediately said the count was not off {$1000.00}. My wife interjected and said it is {$1100.00} off not a {$1000.00}. The representative then went to get the supervisor and after about 30 minutes she explained they would request the video, but there was only XXXX person that managed the entire Western region so she was not sure how long it would take. She called back and said they found no error. I asked to review the video and she refused saying that it would invade customer privacy. There were no other customers at the teller. And if the cameras are focused in on the counting machine to verify it counted out correctly then that too should not be an issue of letting me review the video. Eagle National Bank has stolen {$1100.00}. of my money. The supervisor said their investigation is closed and I really do n't know how else to pursue justice in this matter. 
",,Consent provided,Web,2015-04-15,Closed with non-monetary relief,Yes,No,CR1332389,2623
2015-04-15,Bank account or service,Checking account,Deposits and withdrawals,,"On XXXX/XXXX/XX/XX/2015 A customer paid a bill at my repair shop in the amount of {$1200.00}. On XXXX/XXXX/XX/XX/XXXX the charge was reversed "" taken from my account '' - {$1200.00}. I called Eagle National Bank that day to inquire as to why. I was told that I was sent a letter to dispute the charges if I desired. I did not recieve any notification of any kind, e mail, letter or phone call regarding the potential charge back. I was told I had to pursue this issue with the customer. I have had no success with this. I did recieve a letter from the customers bank card company informing me that the dispute time had passed. I respectfully request that Eagle National Bank return the {$1200.00} Immediately as I had no notice or opportunity to dispute the charge back. 
XXXX XXXX XXXX of XXXX XXXX Eagle National Bank customer since XX/XX/XXXX. 
Phone XXXX Address XXXX XXXX XXXX XXXX XXXX, Wa XXXX 
",,Consent provided,Web,2015-04-17,Closed with monetary relief,Yes,No,CR1330957,6469
2015-04-15,Bank account or service,Checking account,Using a debit or ATM card,,"An ATM debit card claim was made with Eagle National Bank for items I returned to XXXX several weeks ago, its been at least 60 days since claim was filed, still unresolved. The total amount of the claim is XXXX, billed in XXXX installments of XXXX XXXX and a XXXX amount of XXXX. Their rep, XXXX XXXX, stated XXXX of the payments are scheduled to be credited back by the XXXX in the amounts of XXXX and XXXX. It is now the XXXX and no credits are showing, several messages have been left for XXXX, none were returned. I personally left XXXX messages on her voice mail as well as with XXXX different reps, still no call back. Unless XXXX has provided additional information, then there should be credits issued, the items were returned and tracking information provided as well showing delivered. XXXX disagrees with the items returned, saying they are not what was ordered and or not their product. The reason for return is because they are not what I ordered, XXXX and I are in disagreement over this. 
",,Consent provided,Web,2015-04-15,Closed with explanation,Yes,Yes,CR1331978,5213
2015-04-15,Credit card,,Billing statement,,,Older American,Consent not provided,Web,2015-04-21,Closed with monetary relief,Yes,No,CR1331735,560
2015-04-14,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank mistakenly retained {$3700.00} through an erroneous merchant service transaction with my business. Although they acknowledge that they have this money that does not belong to them, and that it was a mistake they should have caught, they are refusing to give me my money back. 
",,Consent provided,Web,2015-04-14,Closed with explanation,Yes,Yes,CR1328770,105
2015-04-14,Bank account or service,Checking account,"Account opening, closing, or management",,"I have a Regular checking account with Eagle National Bank since the late XXXX 's. I 'm not an XXXX XXXX so I used to use it when I travel to the XXXX. Since XX/XX/XXXX I stopped using the account and left a balance. The bank inactivated my account so I could n't withdraw money any more, nor received further bank statements or access online to review my statement. 
I tried to activate it in XX/XX/XXXX, and now they have activated it, they sent me a statement and charged {$14.00} dollars as a monthly maintenance fee and noticed they have done so for the last 12 months now that the account is active. 
So I called them and asked them why they have charged me for twelve months of maintenance fee over an account they inactivated and they said that they can not return those charges because the account was opened. It sounds unfair to me that they inactivated an account, stopped sending me statements, blocked my internet access and now that I reached them to see what happened to my account they take advantage there is a balance in the account and charge directly 12 months of fees of a service they did n't provide. There was no straight answer to that but any way they argued they can charge it because the Regular checking contract says so. If so, why then they blocked my account? What about their part of the contract about having the account open for me all these years? 
",,Consent provided,Web,2015-04-14,Closed with monetary relief,Yes,No,CR1330444,4211
2015-04-14,Bank account or service,Checking account,Deposits and withdrawals,,"My insurance company XXXX sent me a payment for {$450.00} on XXXX XXXX, 2015 through Eagle National Bank 's Mobile Transfer service. Eagle National Bank sent me a text message the same day saying they had received the payment and would credit my account. They still have n't done that. When I called them, they said they have no record of the transaction. 
",,Consent provided,Web,2015-04-14,Closed with explanation,Yes,Yes,CR1330395,9721
2015-04-14,Credit card,,Closing/Cancelling account,,"Eagle National Bank abruptly and without warning closed my credit card account after 16 years. I called to find out why and was told they reviewed my credit report and decided to close the account. My account was and is in good standing with timely monthly payments. 16 years of an account in good standing. How can EN close it abruptly without any cause? 
",,Consent provided,Web,2015-04-14,Closed with non-monetary relief,Yes,No,CR1328620,877
2015-04-14,Credit card,,Billing disputes,,"I asked for a quote on lights from, XXXX XXXX, of XXXX. On XXXX XXXX I received quotes from XXXX XXXX for the lights ( {$6700.00} ) and light stands ( {$1100.00} ). I was told that there "" may '' also be a shipping charge and that if so "" XXXX '' would review that with me. I approved the XXXX quotes and authorized those charges to my credit card. 
I was never provided a quote for shipping. XXXX did not review any shipping charges with me or seek authorization for any shipping charges. On XXXX XXXX an unauthorized charge for {$590.00} was made to my credit card. 
I disputed this charge with Eagle National Bank by phone and mail. I received a response from Eagle National Bank that stated this was not a 'duplicate transaction ' and therefore 'valid '. I never stated that this was a duplicate transaction rather I explained in writing and by phone that it was an unauthorized charge.They provided an invoice from the company which showed the unauthorized charge -- that invoice was created ( as stated on the invoice ) after the unauthorized charge.The relevant invoice is the one that I authorized prior to any charges which does not include a {$590.00} charge. 
On XXXX XXXX, 2015 I called Eagle National Bank at XXXX and explained the details to the representative. She told me that because I had authorized a charge for the lights that the additional {$590.00} unauthorized charge could not be disputed. 
I am writing to ask that the {$590.00} which was not authorized be credited back to me. 
",,Consent provided,Web,2015-04-14,Closed with explanation,Yes,Yes,CR1328523,3797
2015-04-14,Credit card,,Billing disputes,,"In XXXX of 2012 we opened up a Eagle National Bank XXXX XXXX Credit Card. EN charged us {$100.00} to be used as a down payment on a future cruise. There was NO EXPIRATION date. We are now booked on a cruise and since XXXX I have tried to find out where our {$100.00} went to no avail. We submitted letters asking for our money back and just received notice that it is has exceeded any dates giving us money back. How can this be when there was no expiration date from the beginning.We only know that we were charged, we paid it and now we are NOT getting our money back. 
",,Consent provided,Web,2015-04-14,Closed with explanation,Yes,No,CR1329685,2204
2015-04-14,Bank account or service,Checking account,Deposits and withdrawals,,"I noticed today that over the course of four months ( XXXX, XXXX, XXXX, XXXX 2015 ) my bank account was debited {$40.00} each month by XXXX. The debits appeared on my bank account statement as "" XXXX WEB PMTS '' and "" XXXX WEB PMTS '' A quick search through Google shows that other individuals have been scammed by the same entity. A call to the number listed for the company goes only to a voicemail account. The company website lists a location at XXXX XXXX XXXX XXXX XXXX, XXXX, DE, XXXX. However, many online have noted that this is likely a scam originating from outside of the United States. I filed a claim with my bank and they are investigating. However, the source of this scam needs to be found and stopped. An alert should be sent to US financial institutions. I imagine that because the amounts are relatively small there are a number of these fraudulent debits that are going unnoticed. Because I just noticed this activity, I am not able to receive a credit for the first debit that occurred in XXXX 2015. This needs to be stopped before it happens to more people. 
",,Consent provided,Web,2015-04-14,Closed with monetary relief,Yes,No,CR1329837,5108
2015-04-14,Bank account or service,Checking account,Problems caused by my funds being low,,"Eagle National Bank charging overdraft fees on charges not posted to account and purposely posting smaller charges to incur fees to accounts 
",,Consent provided,Web,2015-04-14,Closed with explanation,Yes,No,CR1328783,3327
2015-04-14,Credit card,,Identity theft / Fraud / Embezzlement,,"my cards were stolen my id was stolen at target I reported the cards stolen and id stolen my balance at target was XXXX back in XXXX 2012 even i reported the credit cards were stolen and I put a fraud alert they still used my credit cards XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, all menitoned they removed all charges, I paid XXXX my balance Only my what I authorized the credit card, i was going thru a difficult time, divorce XXXX my kid trying to XXXX and myself, both were going to XXXX with XXXX here in XXXX XXXX I had no time to pay attention wiht my bills, my mother was paying some of my bills while I was dealing with divorce and my kids never thought they were going to use all my credit cards and my ids were used they even tried to get more credit and took money from all the credit cards, as you can see XXXX, XXXX, XXXX, XXXX XXXX, they removed all unauthorized charges I can not believe we put over identification so in bad hands and we are not protected anyone can use somebody'else card and id? without asking confirming id? I mailed long ago a disputing charges to target willing to pay only my balnace of {$61.00} even I mailed them my last statement and disputing the charges, I called the XXXX business credit bureau to report the stolen ID and credit cards this is the protection we have? 
I am disputing the charges of {$470.00} I called target today I spoke with XXXX then with XXXX she told me to write another letter mail it to Target card serces dispute solutions XXXX XXXX XXXX I have mailed over XXXX letters already to target called them many times here I am writing this complaint to you XXXX to take action of my complaint please I want this to be deleted from my credit please call me at XXXX I will report this to the Consumer Financial Protection B. as an act of failure to my consumer wright, be need more consumers protection ask for ID when anybody is using credit cards to identify the end user that way who stole my ID or stolen credit cards can be prevented stopped,! I as US citizen need more consumer protection from ID theft. 
",,Consent provided,Web,2015-04-16,Closed with explanation,Yes,Yes,CR1329074,59
2015-04-14,Credit card,,Balance transfer,,,,Other,Web,2015-04-14,Closed with monetary relief,Yes,No,CR1329697,5002
2015-04-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-14,Closed with monetary relief,Yes,No,CR1328791,2220
2015-04-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-14,Closed with explanation,Yes,No,CR1332119,3542
2015-04-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-04-14,Closed with monetary relief,Yes,No,CR1329209,13971
2015-04-13,Bank account or service,Checking account,"Account opening, closing, or management",,"I had an account with Nation 's Bank years ago when Eagle National Bank purchased Nation 's Bank and grandfathered my no fee checking. I moved this account to XXXX, Oregon and EN grandfathered my no fee checking. EN compelled me to change the account to a no-interest checking account when I purchased a home with EN mortgage. EN then sold my mortgage disqualifying me from having the account at no charge to me. They claimed they would grandfather me. Fraud occurred in XXXX XX/XX/2014 with a washed check, at EN request we opened a new account and at great annoyance migrated everything ( bills, autopays, etc. ) to that account over 3 months time. They promised they would grandfather my new account. Their payments got messed up and they failed to make a scheduled mortgage payment inciting my mortgage company to interrogate me. After unwinding that in-person at EN they again promised to grandfather my account. On XXXX XXXX, EN started charging a new fee ( {$25.00} maintenance ) posted on XXXX XXXX to my account. On inquiry they determined they would not live up to their promised grandfathering and offered other fee based account options. While they refunded the fee they failed to mention I would get charged the same fee the next month. 

Through mergers and coercive behavior, the gov is a willing participant in reducing competition and reducing consumer services while funding these companies with taxpayer dollars. 
",,Consent provided,Web,2015-04-13,Closed with explanation,Yes,No,CR1328188,2427
2015-04-13,Credit card,,Customer service / Customer relations,,"I bought some wine from a shop in XXXX, and B of A denied the charge because they "" suspected fraud, '' and called us after the fact. It was a legitimate charge, and when told that with confirming information, they said they had released the hold. I told the vendor to re-submit, which they did, and it was denied again. It is embarrassing, unprofessional. and they should be criticized for it. 
",Older American,Consent provided,Web,2015-04-13,Closed with monetary relief,Yes,Yes,CR1327443,162
2015-04-13,Credit card,,Billing disputes,,"I purchased a XXXX star hotel reservation i a certain area from XXXX on the telephone while looking at the hotel listing online. I received a XXXX star hotel in a different location. XXXX was promptly contacted about this error. The XXXX XXXX I spoke with named XXXX acknowledged that the booking mistake was a SYSTEMS ERROR on their part-which led to them booking a XXXX star hotel when our search criteria was supposed to only include XXXX XXXX hotels. After alengthy conversation & speaking with XXXX reps XXXX still refused to refund the charge. I informed XXXX that I did not accept the charges as they did not deliver what was agreed upon. We did not use the reservation. My credit card co Eagle National Bank was contacted right away and told that we did not accept the charges and not to pay them. When the bill showed up on our B of A statement we disputed the charge. We received a letter from B of A stating the case was resolved and in our favor. Later @ XXXX/XXXXXX/XX/2015 I received a XXXX letter dated XXXX/XXXX/XX/XX/2015 saying their investigation found that we did engage in the transaction and that we owed the {$910.00} being charged. On XXXX/XXXX/XX/XX/2015 I telephoned B of A and spoke with XXXX to reactivate the dispute.I was told I did not need to contact XXXX directly as B of A was handling the dispute. I received a letter from B of A dated XXXX/XXXX/XX/XX/2015 on @ XXXX/XXXX/XX/XX/2015 saying again that we did engage with XXXX and that we had till XXXX/XXXX/XX/XX/2015 to have documenation sent to them to continue dispute. I was shocked at the last minute request as they had weeks to ask and inform me of deadlines and additional forms. Despite the untimely requests I faxed as they suggested, everything requested on XXXX/XXXX/XX/XX/2015. A letter wa also sent to XXXX describing the Dispute and that we were seeking a reasonable resolution to the matter. To date XXXX has not replied. XXXX position states : that I called and wanted to cancel the reservation due to not liking the hotel received. This is NOT true as I have stated above. XXXX did not deliver what was agreed upon. I continue to dispute the billing and have informed XXXX departments at B of A in writing. B of A received the letters delivered XXXX Mail XXXX on XXXX/XXXXXXXX at XXXX in XXXX XXXX, TX, sighed by XXXX XXXX. To date we have not received a reply. 
","Older American, Servicemember",Consent provided,Web,2015-04-13,Closed with explanation,Yes,No,CR1327866,2701
2015-04-13,Credit card,,Other,,"On XXXX/XXXXXX/XX/XXXX my credit card became compromised. I had to contact Eagle National Bank to have the card shut down and get XXXX reissued. However, I had already begun making payments to the old card number in the amount of XXXX on XXXX/XXXX/XX/XX/XXXX and XXXX on XXXX/XXXX/XX/XX/XXXX I also had returned an item for XXXX that posted to the old card on XXXX/XXXX/XX/XX/XXXX. Eagle National Bank took over 30 days to process the transfer from the old card to the new card. I was given multiple different answers by multiple different associates. I wasted hours of my time and was lied to by this company on multiple occasions. The issue was not straightened out until XXXX/XXXX/XX/XX/XXXX. During XXXX phone call, I was hung up on by XXXX of the representatives. They acted completely unprofessionally and handled my concerns and issue in an entirely unethical manner. Because of the way this situation was handled, I have opened another card with a different company and will not be doing business with Eagle National Bank any longer. 
",,Consent provided,Web,2015-04-13,Closed with explanation,Yes,No,CR1327942,3249
2015-04-13,Credit card,,Customer service / Customer relations,,"Through billpay, the Eagle National Bankn Signature Visa paid my credit card instead of my husband 's as directed on the billpay. After talking with the visa company, they said 1-2 business days to get it fixed. On the XXXX business day, I called and was informed it was actually 2-5 business days. Then, on the XXXX business day, I call and it 's actually 10-14 business days. They have recordings and notes in the system that confirm that I was lied to and they STILL are not going to do anything about it today. My husband has been unable to make any purchses with his credit card as it 's showing a late payment. It 's effecting out credit and nobody is willing to accept any responsibility for the lies. 
",,Consent provided,Web,2015-04-13,Closed with explanation,Yes,No,CR1327928,3857
2015-04-13,Bank account or service,Savings account,"Account opening, closing, or management",,"I closed all my accounts over a year ago.  Recently the bank sends a collection notice regarding XXXX of these accounts with a warning that they are going to close them.  These accounts were custodian accounts that was closed over a year ago, that had both my name and my daughters name on it.  Apparently, they must have left them open and continued to withdraw fees from it.  the amount they stated owed were XXXX and XXXX.  It appears that they can control anyone's account even after it is supposed to be closed.",,Consent provided,Web,2015-04-13,Closed with monetary relief,Yes,No,CR1328405,6301
2015-04-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-13,Closed with explanation,Yes,No,CR1326792,1000
2015-04-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-04-13,Closed with monetary relief,Yes,No,CR1327972,2879
2015-04-13,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,Older American,,Web,2015-04-15,Closed with explanation,Yes,No,CR1326868,12092
2015-04-12,Bank account or service,Checking account,Using a debit or ATM card,,"1. On XXXX, I had a XXXX appt which was prepaid. At the end of the appt, I placed an order totaling XXXX with XXXX. 
2. After already running my EN card XXXX, XXXX with XXXX asked for my card again and I trusted it was for a logical reason. After the XXXX running of my EN card, XXXX was running her mouth about all this paperwork I needed to sign. The only paper I was given was a receipt and photo pages with small black and white images. The other "" legal '' paperwork I was never given a copy of. 
3. After leaving XXXX on XXXX, at home, I checked my EN account and glamour shots had charged/authorized my acct XXXX. The enclosed paperwork proves this. I consider this a gross misuse of my bank card and immediately called and emailed XXXX that my additional order for XXXX was cancelled. 
4. XXXX told me I could not cancel and they did nothing wrong. XXXX told my Eagle National Bank XXXX authorized my card and that this happens frequently. I have never heard that banks initiate purchases, so that was what I consider a fraudulent platform for XXXX to take. 
5. When the charges cleared, I disputed the XXXX. The additional XXXX did come off my account, but no merchant has a right to authorize and cause funds to be held for additional transactions that were not authorized, even if they come off the acct at a later date. 
6. Eagle National Bank took my dispute of the XXXX over the phone and told me they would let me know if they needed additional info. The EN electronic claims dept kept telling me that the claim was in research and no additional info was needed. Around XXXX, I received a "" resolution letter '' that stated the claim was denied and the temp credit of XXXX was to be deducted from my acct on XXXX. I was not given a fair chance to respond to the merchant's/ merchant bank 's response. I called and told EN the "" resolution was unacceptable, and provided the proof of the XXXX authorization and cancellation of the order. 
7. On or around XXXX, I received another letter that EN was not able to do anything else on the dispute and that I needed to contact the merchant myself. 
8. FYI, this merchantXXXX, has given me a cease and desist order, and I depend on the bank to defend my right as a consumer to cancel an order, especially within an hour of the purchase, for the valid reason of XXXX misuse of my credit card. 
9. I would like Eagle National Bank to take responsibility for double authorizing my account, and therefore, removing the XXXX charge permanently from my account, or : Eagle National Bank needs to defend their customer against fraudulent practices of over authorization of an approved amount and the right of a consumer to swiftly and promptly cancel an order for logical reasons. 
10. XXXX sent the cancelled order and delivered to my apt office, which I consider free product, since XXXX was told to cancel the order and no payment for the additional order was authorized. 
11. Prompt and permanent removal of the XXXX charge from my acct is required to appropriately resolve this issue. I have attached pertinent documentation. 

XXXX XXXXXXXXXXXX 
",,Consent provided,Web,2015-04-12,Closed with explanation,Yes,No,CR1326491,1908
2015-04-12,Credit card,,Billing disputes,,"I had my credit card number changed XXXX over the last year by the issuer for fraud prevention. The automatic payments I had on the old card numbers were apparently going through, with no alert or issue, even though those old card numbers were supposed to be inactive. The issuer never issued a statement of any kind on these charges. The oldest number was changed in XX/XX/XXXX. On XX/XX/XXXX the issuer moved XXXX of these charges to my current account with the note "" MOVE DEBT FROM FRAUD ACT '' for a total of {$1400.00}. I have no way of knowing if the vendor, date or a way to verify these charges. I called the issuer and they refuse to take these charges off even though they can not give me a statement as to who billed and when. They simply label the charge "" MOVE DEBT FROM FRAUD ACT ''. 
",,Consent provided,Web,2015-04-15,Closed with explanation,Yes,Yes,CR1326415,10476
2015-04-12,Credit card,,Customer service / Customer relations,,"I was past due 30 days with Eagle National Bank on my credit card due to a hardship. 
I enter in to hardship program and I made a payment on XXXX the representative advice me that I wont get any late fees and that they wont report me to the credit Bureaus as late. To this date I am being reported to the credit bureaus and it is affecting my credit worthiness. I am a single parent trying to catch up and be responsible with my payments and this is affecting me moral and financially. They claim that they never said that and that it would be their decision if they want to do that. I called several times before just to make sure about the agreement. 
",,Consent provided,Web,2015-04-12,Closed with non-monetary relief,Yes,No,CR1326482,2270
2015-04-12,Credit card,,Other,,"My XXXX issue with Target started on XXXX/XXXX/XX/XX/2015. My payment due date is the XXXX of every month. My payment was made on the XXXX, but was n't posted until the XXXX. The same is shown on my payment history. In early XXXX I got a call from a rep saying that I was 2 months late on my payment. When I asked why, they told me that I made my XXXX payment late and I did n't pay the late fee for XXXX. I told them that I made the payment on the due date. They said that it did n't matter, the payment was posted on the XXXX and that 's the date they go by. They said I had to pay the {$35.00} late fee, but it would be credited to my account. I told them that I 'm on a very tight budget, and would n't be able to pay an extra {$35.00} on a bill that should be {$25.00}. The rep told me that she ca n't change the bill, and that I would have to pay the fee but the payment would come off the principle. I told her again that I could n't afford that payment, and would n't be punished for something that I did n't do. She said that it could n't be changed. I asked to talk to her supervisor. She put me on hold for a while, came back on the line, told me that they ca n't change it and could n't continue with the call, then hung up on me. A few of days later, I called customer service again. I spoke with several different reps and went over the same issues again. Each time, I was hung up on. I received a call from a customer service agent on XXXX that I was not able to answer. I called them back and spoke to a rep named XXXX. It was approximately XXXX XXXX when I called. XXXX told me that I was now 3 months behind in my payment. After informing her that I wo n't pay late fees when I was n't late, I was told they would credit the late fees, but now my payment was up to {$90.00} for XXXX. I told her that was n't going to happen. She then told me that since I paid after XXXX XXXX, that 's why the payment was posted the next day. She also said that if I had called in after I made the payment, they would have adjusted the payment and it would n't have been late. I told her that I could not afford the {$90.00}. She told me that I could split up the payment, {$45.00} now and {$45.00} by the XXXX of the month. I told her that I would n't do that and I would pay the {$25.00} on the XXXX. She said that she would make note of my refusal to pay. I told her that this is untrue, I want my account credited properly and there should be no late fees at all. I asked to speak to her supervisor. She told me that I have already spoken to a supervisor, and it would n't go any further than her. She told me that if I did n't pay it, they would turn me in to the Credit Bureau. I was once again told that the call had gone on long enough and was hung up on. Later that night, I showed my wife the payment history and noticed that there were XXXX payments made on XXXX/XXXX/XX/XX/XXXX. The XXXX payment was {$470.00}, which was the entire balance on the credit card. The XXXX payment was sent for {$90.00} on XXXX/XXXX/XX/XX/XXXX and was canceled. I immediately called customer service to dispute this payment. I spoke to XXXX different reps because I was hung up on the XXXX time. The XXXX rep was XXXX. She told me that they would file a dispute form and it would take 3-5 days to process. I asked what time the payment was made. XXXX told me that the payment was made at XXXX. My phone records will reflect that I was on the phone with the rep named XXXX at that time. She told me that they would look back at the records and decide if they would reverse the payment and see if the stop payment was warranted. I told her that the payment was n't authorized. I was told that if the stop payment went through, Target would also charge me for a bounced payment. I called my bank XXXX thing in the morning and had them stop payment on the {$470.00}. I am now being charged {$15.00} for the stop payment. 
",,Consent provided,Web,2015-04-12,Closed with monetary relief,Yes,Yes,CR1326413,259
2015-04-12,Credit card,,Customer service / Customer relations,,,,Consent not provided,Web,2015-04-12,Closed with explanation,Yes,No,CR1326514,1879
2015-04-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-12,Closed with explanation,Yes,No,CR1326483,1679
2015-04-11,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"Received XXXX from the following bank for which I have never had any borrowing business : Eagle National Bank , N. A . 
XXXX XXXX XXXX XXXX, TX XXXX # XXXX Payer 's E.I.N. XXXX I have not had any credit card business, borrowing or etc., this is either a mistake, identity theft or fraud or intentional internal reporting to cover an internal fraud. Do n't know which. I have previously frozen my credit because of past identity borrowings. Turned this matter over my attorney, he says report this to your agency as bank refuses cooperation. 
",Older American,Consent provided,Web,2015-04-11,Closed with explanation,Yes,No,CR1326122,1581
2015-04-11,Credit card,,Billing statement,,"After having my card fraudulently used, XXXX XXXX issues over XXXX "" refunds '' for fraud, but not by tying them to the specific charges. Now, XXXX month later, they have re instituted XXXX charges without any narrative other than "" Move Debt From Fraud Account ''. When I called they say they are some accounting transfer issue. Of course, I can not verify that any of these charges are accurate, because there is no explanation. I called to place them in dispute as "" not recognized '' and XXXX XXXX refused to do so, saying that they were charges from the now-closed card. However, these charges have never been presented to me online nor in my monthly statement, so I can not verify that they are accurate. The phone agent even told me that he was only allowed to give me the information that they are old transfers, but nothing more. Certainly they are having some internal issue and trying to pin it on their customers. 

Simply put, XXXX XXXX refused to follow the law by placing these in dispute as not recognized until they can give me some modicum of proof that these are actually charges that I made. Please take the to task for it. 
",,Consent provided,Web,2015-04-15,Closed with explanation,Yes,Yes,CR1326209,191
2015-04-11,Credit card,,Privacy,,"I have a credit card with Eagle National Bank and recently received their "" XXXX XXXX XXXX Privacy Notice '' ( also posted at XXXX ) which is the standard form listing "" Reasons we can share your personal information '' and XXXX categories where XXXX "" Does Eagle National Bank Share '' and "" Can you limit this sharing '' were "" Yes. '' There was no information about whether or not they 'd registered a previous request to limit this sharing, so I have to go through these steps every year for every account. I was already logged in to my Eagle National Bank account online, but nowhere in the extensive Account Management pages could these privacy settings be found. While still logged in, in a new browser tab, I visited the URL on the privacy notice ( XXXX ). This URL does not have a form for managing privacy preferences as indicated, but a page with lots of lip service to privacy and security. There is XXXX stylized shield image labeled "" Privacy : Learn how we collect and use information '' ( which does not say anything about managing preferences ) and XXXX must simply guess that this is the right place to click to manage preferences. The page this links to shows even more lip service saying that consumers should "" Count on us to make your privacy a priority '' but still it 's not obvious how or where one can manage privacy preferences. Scrolling down, there is some information about protecting social security numbers. On this page, only in a small box on the right labeled "" Update your privacy choices '' is there a button "" below the fold '' to actually update those choices. 

Although these pages contained a "" Sign In '' link in the upper right, and I was already signed in to my account ( & not timed out, & could easily navigate on that page in the other browser tab where it was opened ), none of these pages recognized that I was already logged in as an authenticated customer. This remained true in a later test where I used *that* sign-in link on *that* page to create an authenticated session - doing so provided access to my account and the management pages that did not include privacy preferences, but the "" privacy '' site would n't recognize that information for the purpose of setting privacy preferences. 

To set preferences, I had to re-enter my full legal name, address, phone, e-mail address ( at least XXXX, manually ), account type and number ( XXXX times, not allowing spaces as printed on statements and the card itself ; the XXXX XXXX entries were cleared out after selecting the account type as Credit Card )XXXX mentally handle XXXX negative defaults that seemed explicitly designed to confuse, and explicitly click off all those defaults. A warning indicated that any tiny error in data entry ( which might include any inconsistency with their records ) might invalidate the whole request. 

In a chat with customer service representative "" XXXX XXXX '' I asked why those options to limit information sharing were not available and why all the information had to be repeatedly manually entered. The rep told me that "" Your account security is a prime concern to us. That is the only reason we ask to provide all the details. '' When I noted a contradiction there, the representative immediately terminated the chat. Thus, the option in the privacy notice to "" Talk to a banking center associate '' might not really be an option as described. 

Making it intentionally significantly harder for customers to protect the privacy and security of their account information ( plus adding additional transmissions of sensitive information ) *reduces* rather than *enhances* both privacy and security. The Bank clearly wants to discourage opt-outs and seems to be doing everything it can to try to minimize the number of customers who successfully complete opt-outs. 
",,Consent provided,Web,2015-04-11,Closed with explanation,Yes,Yes,CR1326049,2091
2015-04-11,Bank account or service,Checking account,Problems caused by my funds being low,,"MY bank is charging me an over draft fee on items that did n't overdraft when they cleared, and they are XXXX charging me for things that did overdraft. 
EX : there was XXXX separate {$4.00} items that were still pending, then i had an invoice from XXXX come thru while they were still pending ... i got charged an overdraft fees for those XXXX items even though the XXXX {$4.00} items posted they did n't overdraft. then i got charged again another XXXX overdraft fees ( for the XXXX invoice, then i had to go to the XXXX and get XXXX ). 
Then again i got charged on overdraft fee for an item while still pending and again when it cleared 
",,Consent provided,Web,2015-04-11,Closed with explanation,Yes,No,CR1326129,1386
2015-04-11,Credit card,,Billing disputes,,"Target corp has acted in an unfair, hostile and predatory fashion : Post divorce I agreed to make payments on our joint Target account. My ex then closed it. I entered into a payment arrangement allowing Target to withdraw $ 100 monthly from my account ( they insisted they had to withdraw-I could not be in charge of sending it ). Last summer, while unemployed, I called and requested a forebearance, but they refused. A few months later they stopped taking my payments, which I did n't even notice. after about 90 days their collection folks contacted me. I told them they were mistaken-as we had an arrangement. I was then told that they had inexplicably stopped taking payments-and needed me to reauthorize them. I agreed to contact my bank and begin SENDING monthly payments-rather than giving the the opportunity to drop the ball yet again. I did, and payments have been made evry month-however Target continues to report me late-which almost caused job issues when I became re-employed, and which PREVENTED me from purchasing my vehicle at lease end-as-according to the finance manager-the only new negative since my lease began was Target-they had dropped my score more than XXXX points! As well-I was able to secure a new lease based on my perfect lease payment history-but due to the score impact my payment went up nearly $ XXXX. When I have contacted Target-they have unsympathetically basically told me to pound sand. The only reason I keep paying them rather than letting their account go is because is because I feel it 's the right thing-but I am tempted to default-since they trashed my credit anyway-due to THEIR ERROR-nothing that I did. I want them to retract any negative late pay reporting-since they caused/instigated it .... 
",,Consent provided,Web,2015-04-15,Closed with explanation,Yes,Yes,CR1326318,316
2015-04-11,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2015-04-11,Closed with explanation,Yes,Yes,CR1326006,352
2015-04-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-11,Closed with explanation,Yes,No,CR1326135,74
2015-04-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,"Hi, I am really disappointed with Eagle National Bank XXXX I have transferred my money of 650 $ on XXXX XXXX XX/XX/2015 to my friend, account holder in Eagle National Bank. In my Money Transfer field shows that the account holder is verfied. Then i did make transfer, the money is gone from account but the reciepient did n't recieve money. 
We called the Eagle National Bank customer care by XXXX XXXX - XXXX XXXX XX/XX/2015 which was recorded for quality and monitoring purpose by Eagle National Bank, we clearly explained the procedure how we transferred money, they took some time to verify then they are saying that the money is transferred to saving account but the recipient does n't have that Saving account. we do n't know where my money go, they did n't responded properly. We do n't have any clue. We are really disappointed. 
",,Consent provided,Web,2015-04-10,Closed with explanation,Yes,No,CR1325680,2070
2015-04-10,Bank account or service,Savings account,Deposits and withdrawals,,"I deposited a check for {$19000.00} inside a EN branch on XXXX XXXX, XX/XX/2015. I signed the deposit slip. On XXXX XXXX, XX/XX/2015 it was taken out of the account as a "" return item chargeback ''. I was not contacted and noticed that the amount was not in the account so I called Eagle National Bank. They said they took the funds out because I did not authorize the check. I feel like this was the teller 's responsibility to ensure that the transaction was handled according to EN 's policies. I would have gladly authorized the check if I knew that it needed to be authorized. 
",,Consent provided,Web,2015-04-10,Closed with monetary relief,Yes,No,CR1324595,4794
2015-04-10,Bank account or service,Checking account,"Account opening, closing, or management",,"I expect a script back from the bank covering themselves but since i am working with a lawmaker to pass laws to protect people like me i am still reporting this. i expect a script and cover your XXXX response. 
My son was born with XXXX in XX/XX/XXXX. I have struggled very much so due to this. We have medical bills of over a million dollars we are suing to have insurance pay for.Despite having a long term relationship with Eagle National Bank with NO RISks or any real problems i want to describe actions taken by XXXX in XXXX and XXXX XX/XX/XXXX In XXXX day because I could not believe all they would do is send me copies of credit card agreements when I indeed asked for real help like refunding my interest. I would get letters denying this and copies of credit card statements i neither asked for or needed but never help. Things really deteriorated when I made a remark that with the copies they send me of credit card agreements to verify interest is valid when i never disputed that i made a remark i could make a good fire with all the paper I sent that in writing. NExt thing i knew XXXX person XXXX XXXX called me and told me she was sending me a letter closing all accounts I had about XXXX accounts credit cards for many years. and a bank account. all closed. I know you will say as will the bank that it is legal. 
Know that laws have to be passed to protect families like mine and make banks meet a higher standard when taking these actions. Not say i am a risk when i have never been and was currrent on all. All i wanted was loyalty for loyalty i gave in the form of interest refunded.instead XXXX person made the decision with powers in the bank from the bank to close all my accounts. it is truly unbelievable. If there is any damage to my credit i will take action. Also know before they mde me leave bank my checks no longer funded. the way i was treated was worse than a customer who is actually deliquent. I know i will get a script back that is why i have contacted the media and legislature. 
",,Consent provided,Web,2015-04-10,Closed,Yes,Yes,CR1325987,856
2015-04-10,Bank account or service,Checking account,"Account opening, closing, or management",,"I recently got almost XXXX taken from my checking account from a 3rd party global collection from Eagle National Bank.. They said it was. "" tax levy indiviual "" withdrawel from XXXX an audit done on my taxes from XX/XX/XXXX. I also have a mortgage issue with Eagle National Bank where i pledged my stock to get a mortgage when i got another company to pay that loan, Eagle National Bank is refusing to have ever taken my stock as collatorall and XXXX will not speak on it they sold my debt to XXXX XXXX in XX/XX/XXXX! Can you help? 
",,Consent provided,Web,2015-04-10,Closed with explanation,No,No,CR1325928,2769
2015-04-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"My conflict with Eagle National Bank ( EN ) can be summarized as follows : EN refuses to refund my account for an unauthorized transfer of {$1300.00} that occurred on XXXX XXXX, XX/XX/2015 despite EN having actual notice of the unauthorized scheduled transfer on XXXX XXXX, XX/XX/XXXX prior to its occurrence and despite having reassured me that it would not occur at that time. I am pursuing a complete refund. Since the bank has little to no record of my communications, I bring this to your attention in the hopes of impacting legislation so as to improve bank documentation requirements in order to ensure that the right result occurs more timely, efficiently and frequently in conflicts between banks and consumers. Thank you for your assistance. 

As a customer of EN, I utilize online banking. On XXXX XXXXXX/XX/XXXX, I received a suspicious email from EN informing me that a recurring transfer was scheduled to occur on XXXX XXXX, XX/XX/XXXX in the amount of {$1300.00}. I recognized the payee as my landlord in XX/XX/XXXX, whom I may have paid via electronic transfer but only a few times. I immediately notified the bank of the email. I spent at least two hours on this call. I was connected to the fraud department after XXXX transfers. They found no record of the transaction. They informed me that the email was not from the bank and to forward to XXXXXXXXXXXX, which I can substantiate. They assured me that the transaction would NOT be done and the money would NOT be withdrawn. More importantly, since it was not authorized by me, if the transaction would continue as indicated, I was assured that the money would promptly be returned to me. I asked them to appropriately note my file and send me written confirmation to that effect. As expected, they refused to send me anything in writing, and I later discovered there are NO notes on my file other than that I called on XXXX XXXX, XX/XX/XXXX. That is unacceptable documentation reflecting formal and actual notice of a material transaction. 

On XXXX XXXX, XX/XX/XXXX, I received another email reminder that the recurring scheduled payment would be made XXXX XXXX, XX/XX/XXXX which is when I discovered the transaction had in fact been made on XXXX XXXX, XX/XX/XXXX. On XXXX XXXX, XX/XX/XXXX at XXXX EST, I immediately visited a EN branch to contest the transaction that I was told would not occur. They called the same phone number to which I have access thus demonstrating the uselessness of visiting a branch and working with a banker. I was connected to the fraud department, and I went through the same process. Told that I 'd be contacted soon and have the money returned in 48 hours, no action was taken and no call received by the bank in 36 hours so I contacted the bank again. XXXX transfers later I was finally told that it was not fraud and they would not refund the money ; that it was my fault and I was out of the money. 

I informed the representative that I WILL NOT be responsible for an unauthorized transfer because of a software mistake when the bank had actual notice of such prior to its occurrence. I demanded the representative connect me with someone who will help solve my problem. He finally connected me with online and electronic services. They informed me that this was "" fraud but not fraud '' as the bank calls it. I said just call it a mistake by the bank. They said the money would be returned whereupon I was connected to someone who had no recollection of that. Repeated the story for the XXXX time and now, XXXX hours after visiting the branch, I have not had my money returned to me and have no reason to believe it will be returned to me in the foreseeable future. Like everyone else who has little time to waste, I have wasted many hours of my time pursuing this matter. I expect to waste more because of the bank 's disjointed and opaque organizational structure. As an attorney, I know my rights and I intend to pursue my rights to the fullest extent of the law. 
",,Consent provided,Web,2015-04-10,Closed with monetary relief,Yes,No,CR1324751,4231
2015-04-10,Bank account or service,Checking account,Problems caused by my funds being low,,"i am having an issue with @ EN Bank_US allowing charges to go through on a debit/charge card on a weekly basis. i have spent hundreds of dollars monthly on over draft fees, i am a small business owner with very little income and struggle to balance maintaining clients as well as finances. @ EN Bank_US allows charges to go through on debit cards when there is not money in the account. they end up hitting me with over drafts and it ends up snow balling the problem with more over drafts. i have spook with my local branch manager and he told me that there is no protection for business owners only consumers. in the past two years i have paid in on over drafts approximately {$2500.00} in over drafts which i cant afford. i think something should be done with this and stop @ EN Bank_US from charging cards that have no funds on them 
",,Consent provided,Web,2015-04-15,Closed with explanation,Yes,No,CR1324940,3681
2015-04-10,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-04-17,Closed with explanation,Yes,No,CR1325132,729
2015-04-10,Bank account or service,Checking account,Using a debit or ATM card,,,,Consent not provided,Web,2015-04-10,Closed with monetary relief,Yes,No,CR1324640,325
2015-04-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-10,Closed with explanation,Yes,No,CR1324644,953
2015-04-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,Consent not provided,Web,2015-04-10,Closed with explanation,Yes,No,CR1324701,1295
2015-04-10,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-04-10,Closed with explanation,Yes,No,CR1325401,4084
2015-04-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,Consent not provided,Web,2015-04-10,Closed with explanation,Yes,No,CR1325407,1533
2015-04-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-09,Closed with explanation,Yes,No,CR1322725,2758
2015-04-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2015-04-14,Closed with explanation,Yes,No,CR1323606,2287
2015-04-08,Bank account or service,Checking account,Problems caused by my funds being low,,"After XXXX years of banking with Eagle National Bank and being a GOOD customer, i made XXXX mistake and now they are treating me like a CRIMINAL! I am NOT a criminal, i have a good hard working american and deserve to be giving a XXXX chance for this dumb mistake. I have had problems getting good jobs, when i have GREAT work history and experience becuase of Eagle National Bank putting me on XXXX and XXXX. 
",,Consent provided,Web,2015-04-08,Closed with non-monetary relief,Yes,No,CR1320414,2409
2015-04-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have XXXX children ages XXXX and XXXX. Older child with higher income received a credit card with {$39.00} "" maintenance fee '' and only {$300.00} credit limit. Younger child with lower income received a credit card without the fee and the limit is {$600.00}. This does n't make sense since this was their first credit cards, for XXXX of them. This bank may have double standard. 
",,Consent provided,Web,2015-04-08,Closed with explanation,Yes,No,CR1321640,7855
2015-04-08,Bank account or service,Other bank product/service,Deposits and withdrawals,,"On XX/XX/2015 sent husband to cash income tax check. I was not present, so I signed and gave my husband my Drivers ' License. Check could not be cash because I was n't present, but could be deposit in the account and money available the next day. I felt the bank did not give my husband a good understanding about what would happen to our income tax check, and made him feel the check would need to be deposit in order to get the money. I also went to the bank after work and to find out what happen to the money to pay our bills at that moment. The bank told me there is nothing they can do, XXXX pick the check up at noon, and they do not have the check in front of them.The bank policy is to take your money, but have restrictions on how they disburse your money.I do n't have to be present to deposit the money, but present when they cash the tax check, and there are no documentation, or check scan on computer proof of check deposit.I feel I have been lied to and inconvenience. 
",,Consent provided,Web,2015-04-08,Closed with explanation,Yes,No,CR1322423,5858
2015-04-08,Bank account or service,Checking account,"Account opening, closing, or management",,"The Identity Theft Assistance XXXX is a nonprofit dedicated to working with industry, law enforcement and government to help consumers prevent, detect and recover from identity theft. Founded in 2004, our mission was to put consumers and their experiences XXXX in the fight against identity fraud. 

I was a former customer of Eagle National Bank Corporation. Eagle National Bank Corporation closed my account after I was a victim of documented fraud. 

However, contrary to the XXXX policies and marketing material available via XXXX : XXXX Eagle National Bank Corporation refused to provide me with a referral to the Identity Theft Assistance Center. 
",,Consent provided,Web,2015-04-08,Closed with explanation,Yes,Yes,CR1322131,3948
2015-04-08,Credit card,,Late fee,,"I was charged by Eagle National Bank for {$35.00} late payment charges XXXX in the past XXXX months. I understand I was late on the payment in XXXX and XXXX, but I still think {$35.00} late payment charge is ridiculous. I contacted them multiple times and they said they could not waive the fees for me. 
",,Consent provided,Web,2015-04-08,Closed with monetary relief,Yes,No,CR1321680,4143
2015-04-08,Credit card,,Transaction issue,,"We are a small business and have used our Eagle National Bank credit card to pay for a plumbing service. We have provided the credit card number to the plumber since otherwise he will not even go to look at the problem ; however, by doing that we did not authorize him to charge any amount to our card. We provided him with the credit card number like we do when we purchase other things from our Air Conditioning service supplier or XXXX or XXXX XXXX or any other of our suppliers. None of those suppliers charge our credit cards prior for us to review the charge and approve it. Once the plumber went to the job place we asked him to do the job and provide us with the invoice ; not even then we authorized him to charge the credit card since we did not know the charge amount. Instead he asked the tenant to sign the invoice in our stead and charged the card without our approval ; he provided the invoice to us afterwards. We have disputed that charge with Eagle National Bank showing that the amount was charged without our approval and that we authorized it to pay the merchant a different amount ( {$300.00} instead of {$660.00} since the job was not completed and the charge included an item that the plumber did not work on but that was included in the invoice - snaking the entire drain ; our technician went and verified that and the access panel on the main drain has not been touched ). Eagle National Bank closed the claim saying that once we gave the merchant our credit card number he was authorized to charge it. Is that how it is supposed to work? 
We completely disagree. When asked ( by the other authorized user and company principal ) to provide us with a proof where Eagle National Bank disclosed that information to us when we signed the credit card agreement, supervisor XXXX in the Claims department said that we do not have a claim anymore and we have to pay the amount charged since we authorized the merchant to charge our credit card when we gave him the number. Why do we have to sign, review or approve any other credit card charge when we use that card for different purposes? We have XXXX credit cards stored on the XXXX website, why whould n't XXXX charge us for a product that we did not need just because it has our credit card numbers? Simple, because it asks us to review and approve a charge before it charges anything. Well, the plumber was provided with the credit card number and was asked to supply an invoice for us to review and approve. Instead he charged the credit card number directly and Eagle National Bank approved the charge without our approving it. When told that we will not pay a part of the charge that the plumber charged and did not provide service for BofA 's XXXX told us that we will be sent to collection. 
We ca n't afford to take this {$660.00} charge to a court - we are a small business, however, we believe that BofA process does not work the way it is supposed to and that the plumber charged our card fraudulently. 
Please advise and help. 
",,Consent provided,Web,2015-04-08,Closed with non-monetary relief,Yes,Yes,CR1320923,2132
2015-04-08,Bank account or service,Checking account,Deposits and withdrawals,,"I am a victim of a check fraud scam. As part of what I thought was a new job, I was asked to deposit an "" Official Bank Check '' into my own account and told it would clear overnight. I was instructed to send the funds via XXXX XXXX for a Charity Event. I depended on my bank to inform me if there was any problem with the check, they did not. When I went to withdraw the funds the teller apologized and said the check had not cleared and she could not give me the money. I explained I was happy to return when the check had cleared as this was for a new, freelance client and I wanted to be sure that check had cleared. Again, depending on the guidance and expertise of my bank to assure me of this. Unsolicited by me, at this time XXXX ( XXXX XXXX ) XXXX, Financial Services Representative came over and said, "" I know you and this is OK ''. I again replied that the check was from a new employer and I needed to make sure the funds were fully cleared, I pointed out there were not enough funds in my own account to hold the check against. His reply was that yes it was cleared and all was fine. I repeated to him that I needed to make absolutely certain that the funds were available from that deposited check. He again said, "" It is ok ''. Assuredly I followed through with the task and sent the money as instructed via XXXX XXXX. My alleged boss informed me the days following that he needed more funds sent for the event. When another check arrived it was from a different lender in a different state. I then felt this was out of the ordinary and asked my employer if I 'd be executing any other types of tasks? When he did not respond to me at all I called the bank that alleged to have sent me the new check and they confirmed the check was fraudulent just by it 's description. I was relieved I had discovered this early on and called Eagle National Bank to alert them immediately that my account may have been compromised, still believing the first check was in fact real since EN said it had cleared. I thought perhaps I was a victim of a bait and switch type scam at this point. To my dismay this is when the misinformation, avoidance and condescending treatment began from Eagle National Bank. I called and asked a manager to please return my call, no one called. I called the XXXX number and asked to be connected to a supervisor or their fraud department, left messages and no one called me back. I went to the bank and was shocked and blindsided to learn that they were holding me 100 % liable for the funds. I asked to speak with XXXX as he told me that check cleared. I was further shocked to learn that XXXX no longer worked there and they told me his last day was the day he approved my withdrawal, which I found incredibly suspicious. I then filed an investigation and filed reports with the XXXX, XXXX XXXX, XXXX and the FTC. Once I finally received paperwork from the bank ( which their employee was not forthcoming that I would need this paperwork when I said I 'd be filing a police report ) I filed a police report and provided it to the bank. To my dismay they said they would now file an incident report which I was told was already done when I had initially reported this incident to the bank. My account of this incident goes on for a month of back and forth constant communication and efforts on MY part, my part alone as the bank stalls, does not provide me information and is rude and condescending all along. They also informed me if I wanted to close the account I 'd have to reconcile it first, in cash. If XXXX had not interjected himself I would have thanked the teller and returned another day to eventually learn that the check was fraudulent ( I received a letter the following Monday stating the check was in fact being held as it did not clear ). I was unaware that Eagle National Bank would override this system of checks and balances and authorize the check anyway? 
",,Consent provided,Web,2015-04-08,Closed with monetary relief,Yes,No,CR1321064,2279
2015-04-08,Bank account or service,Checking account,Problems caused by my funds being low,,"I had a basic checking account with EN Bank in XXXX, XXXX. I was told when i opened the account that, if i chose i could allow overdrafts on the account with no fee if repaid within 10 days or something like that. I told them no, i absolutely did not want that service on the account, and was told i then had overdraft protection and could not overdraft on this account. Because of personal unforseen circumstances i was forced to move from the area unexpectedly. The last time i used my debit card i had around XXXX $ left in the account. Not having access to the bank in any way, shape, or form, i assumed the account would simply be closed. Now i have settled in XXXX and been denied a checking account on the basis of a report from "" XXXX '' which claims that my account at EN. Bank was overdrawn by an amount of XXXX cents!! Needless to say they then of course added their standard fee of XXXX more dollars to that for a total of {$35.00}. I then called the branch where i opened the account to find out how this even happened, and how i could resolve the problem if possible. I was told that once an account is charged off there is no information about the account on file except the amount owed, and that i could only pay the amount due in person. Being in XXXX XXXX there are no branches of EN. Bank so i asked if my brother or sister could do that for me and was told yes they could provided they had my account number and s.s. number. My sister went and attempted to do that for me and was told she couldnt do that without power of attorney! This whole situation is totally ridiculous! I also requested my report from chex systems, which was supposed to take 5 business days, and ended up taking 3 weeks, and it told me absolutely nothing other than being reported by EN.Bank for the overdraft. I really feel like both EN. Bank and XXXX are wrong and pretty shady. I know that chex systems reports anything reported to them without any type of proof or documentation. That in and of itself is wrong. 
",,Consent provided,Web,2015-05-11,Closed with monetary relief,Yes,No,CR1321023,3217
2015-04-08,Bank account or service,Checking account,Problems caused by my funds being low,,"In XX/XX/XXXX, my husband lost his job and we were on a tight schedule. From XX/XX/XXXX to XX/XX/XXXX, EN pinged me with over {$800.00} charges in Overdraft fees. They have charge me from XX/XX/XXXX until the present close to {$400.00}. When they XXXX took the fees initially which was over {$600.00}, a check went thru before charges that were made several days before. They told me that charges were brought in from highest to lowest. The XXXX time they took close to {$200.00} of overdraft fees and they told me that charges were brought in from lowest to highest. The highest was my direct deposit that was brought in after the charges even tho everything arrived on the same day. I argued the fact that before they had told me the opposite so they reimbursed me for half of the charges. Processing the way they have has several time sent my account into complete chaos. I have even seen where they have processed something immediately in order to try to charge overdraft fees. 
",,Consent provided,Web,2015-04-08,Closed with monetary relief,Yes,Yes,CR1321703,5283
2015-04-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-08,Closed with explanation,Yes,No,CR1322682,1537
2015-04-08,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-04-08,Closed with monetary relief,Yes,Yes,CR1320732,2865
2015-04-07,Bank account or service,Checking account,Deposits and withdrawals,,"Bank is unable to retrieve transfer that was done to a fraud account of fraud person for fake sale. Hello, I got many calls from this fraud company mentioning good deals about flights I was looking for. They sent me confirmation and tickets for flights I verified with airlines and they were booked for real. After a MONTH the tickets got cancelled and I never got refund. XXXX says someone cancelled it and it was fraud and used invalid card and details.They are trying to investigate as well, as they think its a fake travel agency. I transferred money via Eagle National Bank to consultants Eagle National Bank account, Now no one is answering calls nor responding to email. I tried requesting Bank to see if they can hold the account and retrieve the money back. I filed police complaint as well. Bank says that they can only REQUEST recipient to transfer back the amount, how can they allow fake accounts to be opened and operate, and how can they now file a case against the fraud and help me getting refund. Please help!! XXXX of my friends paid this fraud person as well in different bank account, XXXX bank and XXXX, and their tickets are now cancelled and no refund! I am filing a Police case as well - not sure if we can sort this out. XXXX of our friend paid to XXXX of the accounts of this company as well. No updates from anywhere so far. I lost {$1400.00} with this fraud. Thank you. 
",,Consent provided,Web,2015-04-07,Closed with explanation,Yes,No,CR1320166,5010
2015-04-07,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank sold XXXX of my checking accounts to XXXX Bank in XXXX, Virginia, without our knowledge. They gave our SSNs, bank account numbers, names and address to a bank we had no affiliation with. When I questioned them, they said they sent us a notice. I did n't receive anything. XXXX weeks ago ( after they XXXX sold XXXX of my accounts ) I went in and closed it. I asked if they were going to sell the XXXX account and was told "" no ''. Yesterday I received another New Account Letter from XXXX Bank saying they were the owners of my XXXX account. When I asked BofA why, I was told that because BofA was more than XXXX miles from my residence, they chose XXXX Bank that was closer to my home. I will close the second account next week, after my last payroll deposit hits the account. I think what they have done is illegal. It is unethical and quite simply unbelieavable. I had had XXXX of my accounts for 26 years. 
",Servicemember,Consent provided,Web,2015-04-07,Closed with explanation,Yes,No,CR1318759,2061
2015-04-07,Bank account or service,Checking account,Deposits and withdrawals,,"Deposited my payroll check on XXXX XXXX. Funds were placed on hold until XXXX XXXX ; checked account on Friday, XXXX XXXX and saw that an additional hold was placed on my check until the following Friday. Contacted Eagle National Bank and was told they could not do anything ; I was not informed of the hold ahead of time, and I scheduled payments for Monday, XXXX XXXX, which have subsequently been returned, and drawn my account further in overdraft. 
",,Consent provided,Web,2015-04-07,Closed with monetary relief,Yes,No,CR1318762,711
2015-04-07,Bank account or service,Checking account,"Account opening, closing, or management",,"My Eagle National Bank accounts were closed ( checking and savings ) forcibly and no reason has been specified. I even got a letter saying that any remaining balances would not be returned. I had balances of nearly {$740.00}. 
I was given a phone number of a person from Security Department ( XXXX - XXXX ), tried many times in last week to reach that person. Neither anyone lifts the phone nor returns my calls/messages. 
I tried to call the customer service again to find out if there was any other person whom I can talk to find out what happened to my accounts. They would only ask to keep calling the above number and there is nothing anyone else can do anything about my accounts/money in them. 
This is so frustrating and annoying. Such irresponsible and anti-customer behavior. 
",,Consent provided,Web,2015-04-07,Closed with monetary relief,Yes,No,CR1319614,3321
2015-04-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XXXX 2014 I file a complaint on a EFT because the company cancel my policy for my car insurance 2weeks after I paid them for a month of services I called XXXX XXXX several and got no where with them so I file a claim with Eagle National Bank so have 90 days after investigate alls XXXX XXXX sent them authorization form and sent them prove of them canceling my policy after 2 weeks of services I sent them a copy of the e-mail that XXXX XXXX sent me and they still denied my claim and I feel I should be credit for that charge 
",,Consent provided,Web,2015-04-07,Closed with explanation,Yes,No,CR1319246,509
2015-04-07,Credit card,,Other fee,,"I always pay my credit card on time. I logged in to see that my Eagle National Bank credit card had a larger balance than normal. My initial response was to pay it off quickly. I then looked into the account further and found a fraudulent claim. The bank put a dispute in and gave me a new card. I also said that I had just made a payment and would like to have that sent back to my bank account. They told me they could not do that. What they could do was send me a check in the mail. They did this and I deposited the check. This was in XXXX, 2014. At the end of XXXX I had a mysterious charge on my credit card called credit readjustment. I called in to ask and they said they did not understand this and would investigate. Investigation, they said, should take XXXX hours. I had to call for over a month to see why no one got back to me. I wanted someone to contact me and explain. I had a folder on my computer filled with all of my statements so I was prepared when they called. No one ever explained except to say that they supposedly sent me a check, but also credited my old credit card account ( which I do not have access to see anymore because they gave me a new card ). I found this strange that they not only told me they were unable to issue me a refund, which is why they sent me a check in the first place, but also that it took them a month to tell me anything and I had to be the XXXX to follow up with them. Now I am unable to see my credit card account online and can not even pay anything off. I do not make a lot of money as I am starting my phd this fall and keep track of my money well. I can not afford to have a large charge come out of left field and no XXXX there is willing to even reduce the fee even though this was all their error to begin with. 
",,Consent provided,Web,2015-04-07,Closed with explanation,Yes,No,CR1320045,1204
2015-04-07,Credit card,,Late fee,,"I am Eagle National Bank account holder who also has XXXX credit cards with Eagle National Bank. I recently obtained a BankAmericard Cash Rewards card which was linked directly to my EN online banking account. As I typically pay all my credit cards through the online system, I assumed this would be case with my cash rewards card. Not so. When I clicked on the 'make payment ' button, I was taken taken to the bill pay center but could not see my Cash rewards card listed with my other cards. There were no instructions on how to add a card. I 'd also signed up to ebilling but did not receive the bill through my email. As I was busy, I did not continue trying to figure it out until my payment was past due and was issued a {$25.00} late fee. I then called BankAmericard Cash Rewards card 800 number and the operator informed me that in order to register the card, I had to add Eagle National Bank credit card as a company in the 'manage pay to accounts ' section. This is completely illogical. I am already in the Eagle National Bank website and I am trying to pay them. There are no clear instructions on this page on how to do this and I do not believe a reasonable person would be able to determine that you had add Eagle National Bank as a company in the bill pay center. Furthermore, I have XXXX existing credit cards with EN that as far as I can remember did not ask me to do this. I also did not receive an ebill nor a written bill. This leads me to believe XXXX things. XXXX, this could be either be a deceptive practice by BankAmericard Cash Rewards to increase the likelihood of first time users incurring a fine because that can not easily determine how to make payment. Or XXXX, it could also just be very poor user experience design. Either way it is leading to unfair fees being levied on EN customers. 
",,Consent provided,Web,2015-04-07,Closed with monetary relief,Yes,No,CR1318681,1000
2015-04-07,Credit card,,Closing/Cancelling account,,"I have been attempting to cancel an XXXX XXXX credit card administered through Eagle National Bank to no avail. I tried to cancel XXXX by writing a letter but that did not work. I returned the credit card but two months latter I was sent a new XXXX. I did not activate the new card but was sent an annual bill for which I did not pay. Now B of A is billing me interest on the annual bill for the non-activated credit card. 
",Older American,Consent provided,Web,2015-04-07,Closed with monetary relief,Yes,No,CR1319226,1676
2015-04-07,Credit card,,Credit card protection / Debt protection,,"I have been battling with Eagle National Bank/Credit Protection Plus for years and have had enough. I have been passed from person to person without any hint of a resolution and the ordeal has ruined my credit and been an incredible burden on me. 

While I was in college I racked up my credit card bill close to it 's upper limit of {$8000.00}. Not wanting to carry a balance or gain interest, I paid off the balance of my credit card ( all at once ) with the exception of the $ 1000+ I had been charged in Credit Protection Plus against my permission ( and had asked repeatedly to be removed from ). I tried, and tried and tried to get them to take these charges off, and get them to stop charging me for CPP - both before and after I paid off my card. Even after I paid off my card and talked to many people about my issue, they did not remove me from the CPP program and my bill crept back up as a result of recurring CPP charges and interest/late fees on the initial CPP charges I left open. I asked them to provide me proof that I enrolled in the program and they could not. I do n't remember enrolling in the program and they certainly did not remove me from the program despite many requests. Thier defense was that I was enrolled in the program for quite some time so I could n't just backtrack those charges. As a college student, it took me awhile to initially catch on to the fact that I was being charged for this service as I had never requested it to begin with. I should have been more aware and on top of it but I was a college student who racked up her bill to nearly {$8000.00} so I was n't going through my bill with a fine tooth comb. 

Frustrated from hours of unhelpful phone calls and unwilling to pay for something I did n't sign up for, I pushed it aside. Recently the other members of my family all received large refunds in the CPP class action lawsuit but I was not included in this suit because I refused to pay from the beginning. I did not realized how bad this actually affected me until I applied for a credit card and was rejected. I got a credit report and found that my account had been 'Key Delinquency ' for years because of this dispute. It ruined my credit and made it impossible for me to get a credit card, buy a car or a house. 

I wish this had n't snowballed into what it is now but I spent so much time dealing with so little impact that I essentially gave up on it. I have now read up on it, found this website, am aware of my rights and realize I do n't have to fight this alone with a large corporation. 

I want to these charges to be removed and my credit to be restored so that I can live my life. 
",,Consent provided,Web,2015-04-07,Closed with explanation,Yes,No,CR1319400,1896
2015-04-07,Credit card,,APR or interest rate,,"I received a XXXX Credit Card for 0 % interest for a year. When I got my statement I was being charged an outrageous amount of interest. I tried complaining to customer service and a supervisor to no avail. They even said they did n't have a 0 % interest rate offer. What do I do other than switch my statement over to another credit card. This sucks big time. 
",,Consent provided,Web,2015-04-07,Closed with explanation,Yes,No,CR1319008,2375
2015-04-07,Credit card,,Rewards,,"I responded to an offer to upgrade my credit card and receive XXXX for XXXX airfare. I needed to call in a registration code and charge {$3500.00} by a certain date. I did, and a month later, verified. I was told to wait another 45 days to receive airfare certificate. I never received certificate and have called numerous times, being passed from dept to dept. Apparently, there is a communication gap between Eagle National Bank and Visa, the XXXX companies involved. XXXX have told me the other is responsible for the reward certificate. Finally, after many unhelpful clerks, XXXX XXXX in XXXX, spent XXXX minutes making XXXX way calls to dept after dept with no success. I would have charged the required amount on a trusted card that has actually rewarded me. I responded to this offer a year ago, and Eagle National Bank has had a security breach during the year, so my credit card number was cancelled and I was issued a new number, but it 's the same account. 
",,Consent provided,Web,2015-04-09,Closed with non-monetary relief,Yes,No,CR1318809,4221
2015-04-07,Bank account or service,Checking account,Deposits and withdrawals,,"On XX/XX/2015 I noticed XXXX unauthorized ACH transactions from a company named XXXX PRO XXXX for {$1200.00} ( XX/XX/2015 ) and {$1800.00} ( XX/XX/2015 ) debiting my business account # XXXX ( closed ) with Eagle National Bank. I contacted my bank immediately to request a refund and days later received a letter from Eagle National Bank stating that the refunds requested were denied. I have not done any business with XXXX ever but nevertheless I contacted them and tried to explain their mistake but instead got the run around. I have more details if necessary. I have nowhere else to turn and I am hopeful that your agency may help me recover the lost funds. 
",Older American,Consent provided,Web,2015-04-07,Closed with explanation,Yes,Yes,CR1320044,2977
2015-04-07,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank - I made a deposit in the amount of XXXX on XXXX/XXXX/15 - my account balance, prior to the deposit was {$1300.00}. According to my previous conversations with customer service reps, deposits are credited to the account before debits are made. On XXXX/XXXX/15, XXXX checks were debited from the account in the amount of {$1800.00} and {$500.00}, I had a bill payment in the amount of {$360.00}, and various debit charges totaling {$180.00}. According to my account view, at the time of the withdrawals from my account, the account balance was {$3100.00}. However, I was still charged {$170.00} in overdraft fees. Upon calling to complain, I was told that only {$100.00} from my deposit was actually made available on XXXX/XXXX/15, therefore the funds were not actually available in the account to cover the amounts in the checks posted on XXXX/XXXX/15 thus overdrawing my account for the {$57.00} I spent over the weekend on my debit card. {$170.00}, for {$57.00} spent, when the deposit for {$1800.00} was made into the account. If you look at my bank account, there is no negative balance - because the full deposit shows despite the claim that the full amount was not actually credited to my account. I am sick of the criminal nature of the reordering of funds and the blatant disregard of the customers of Eagle National Bank. 
",,Consent provided,Web,2015-04-07,Closed with monetary relief,Yes,No,CR1318388,6469
2015-04-07,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-04-07,Closed with explanation,Yes,No,CR1318779,4085
2015-04-07,Credit card,,Credit determination,,,,Consent not provided,Web,2015-04-09,Closed with explanation,Yes,No,CR1319504,787
2015-04-07,Credit card,,Other,,,,Consent not provided,Web,2015-04-07,Closed with non-monetary relief,Yes,No,CR1318478,2501
2015-04-07,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-04-07,Closed with explanation,Yes,Yes,CR1318284,3730
2015-04-07,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-04-07,Closed with explanation,Yes,No,CR1318655,1884
2015-04-07,Credit card,,Closing/Cancelling account,,,,Consent not provided,Web,2015-04-07,Closed with explanation,Yes,No,CR1318644,3456
2015-04-07,Credit card,,Billing disputes,,,,Consent not provided,Web,2015-04-07,Closed with monetary relief,Yes,No,CR1318350,12908
2015-04-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2015-04-07,Closed with explanation,Yes,No,CR1319004,837
2015-04-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-07,Closed with explanation,Yes,No,CR1319044,1778
2015-04-06,Bank account or service,Checking account,"Account opening, closing, or management",,"I 've had my checking account with b of a since 1999 & I 'M BEING CHARGED ERONEOUS FEESThe bank talked me into adding my husband so we could have a "" tiered '' account and never be charged a fee, that was 4 years ago. 
We added husband. Every 6 months the bank drops my husband and we are charged eroneously the {$25.00} service fee. Every 6 months I have to call and complain, takes about XXXX - XXXX hours by the time I hold for the XXXX representatvie, then I 'm transferred ... again and again and again. It 's like they trick you into signing up for a special account then they switch it so you are charged. The last time this happened Eagle National Bank advised me that their risk system is set up this way, to auto drop the tiered accounts and that there is no way to stop this from happening. I advised not the customer problem. You Eagle National Bank need to fix this risk rule. Then in order to get my husband added back on, I have to get him conferenced in while they, Eagle National Bank verify 's his information, they claim because it 's "" maintenance '' being done on the account. I asked ... Is n't it maintenance to take him OFF the tiered account, that we DID NOT authorize, why is it ok for you to do maintenance on the account and take him off but now in order for us to avoid a fee suddenly you need authorization. Every six months we are charged {$25.00} for the bank, Eagle National Bank dropping us from the tiered plan. This is a joke, hoax and sounds illegal. They need to fix their "" risk '' systems and stop stealing money from customers. 

The bank says it 's ok and they allow the bank to allow maintenance on the account to remove my husband from the tiered plan and charge us money ( no authorization needed to remove husbands from tiered acct so they can charge us ) But the then the bank says, they must have authorization, without authorization to add him back on tiered account that they removed him from, we will continue to be chargedThis is now the XXXX time this has happened. 
I have spent more than XXXX hours fixing this issue everytime the bank steals this service fee from our account 
",,Consent provided,Web,2015-04-06,Closed with explanation,Yes,Yes,CR1316472,136
2015-04-06,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited a cashiers check for {$2900.00} at Eagle National Bank ( EN ) in XXXX of their atm machines. The next day ( a XXXX ), after clearing, I withdrew all of the cash. I then used the money as instructed from an advertising-wrap agency to send the money to an actual wrap applicator. This all showed up in my checking account XXXX days later on Monday. XXXX days later on XXXX, my debit card was declined. Investigating online in my account, an in-processing debit transaction showed up for the same amount as the cashiers check ( - {$2900.00} ). I called EN and they said they were investigating. XXXX, the next day, the transaction was fully processed as a chargeback item to me. EN informed me that I was held responsible and that the cashiers check was actually a counterfeit. The originating bankhad informed EN of this fact. Also, EN informed me that they only service their atm machines ONCE PER WEEK. Yes, I agree I was foolish to deposit the cashiers check in the atm and SHOULD have deposited with a teller at a bank counter. Unfortunately, I do not even think about being scammed, used as a "" mule '' for counterfeit checks, money, etc. To further exacerbate this problem, I am an XXXX recipient of about $ XXXX/month that was XXXX on Friday, the next day. I was unable to have XXXX, the U.S. Treasury dept, or EN to cancel/stop the direct deposit so I could pay my monthly bills with a resend of my XXXX ( this is all due to timeline protocols between the Treasury and the banking system ). So, I have currently lost my stipend to my EN checking account. 
",Older American,Consent provided,Web,2015-04-06,Closed with monetary relief,Yes,No,CR1317304,2818
2015-04-06,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I have attempted to set up an auto payment on my credit card through the Eagle National Bank at least XXXX times over the past two years. I finally set up a minimum payment auto pay for {$130.00} monthly for one year via phone payment center ; I set up alerts on my online account and was never notified that the minimum payment set up given to me was not the correct amount due ; I have been charged a late fee for several months and despite calling in my payments, I am still being charged late fees. I believe the web auto pay is set up to make if impossible to use, the phone system is apparently worse, I have been deceived about the amounts due for my minimum payment ; I have been restricted from using the on line billing auto payment and I believe this is all done to defraud consumers. 
",,Consent provided,Web,2015-04-06,Closed with explanation,Yes,No,CR1317667,184
2015-04-06,Bank account or service,Checking account,"Account opening, closing, or management",,"I have problem with the bank checking account of my husband. He passed away in XXXX XXXX, XXXX. He has this account only under his name, and the montly bank statement only shows his name, but I am the beneficiary of his account. He oppened this bank account around XXXX or XXXX in Texas. Him always worked in differents state because he did XXXX work in XXXX. In XXXX XXXX I came from XXXX, but we married in XXXX. We moved together in diferents states but in XXXX, we came to XXXX and he add me as his beneficiary. He does n't have more children, only XXXX with me XXXX is XXXX years old and the other XXXX in XXXX years old. We visited the location of Eagle National Bank in XXXX XXXX XXXX. My husband explain to the worker than he need my name in the account only as a beneficiary. The worker from this bank added my name, I gave my personal documents, passport and social security number. But he never gave us any document to bring at home. That is comun in the bank they normaly do n't provide any document to the owner or to the beneficiary. The information only stay in the system in the bank. My husband was 100 % sure, because he knew if he passed away my name is in the system as a beneficiary. The worker say if he some day died, you do n't need to aprove with any court document only with his dead certificate. We never did something else like a will, because we did the same with other banks. When my husband passed away I went to the office of Eagle National Bank XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX around XXXX I did explain about my husband passed away XXXX of the ladies in the desk. She said, "" You are the beneficiary of the occount. I can see your name. The only thing we need from you is the dead certificate of your husband account. Please call this number and you can fax the dead certificate. She gave me the phone number and I call the phone number of the Eagle National Bank, the same I visited, because they speak XXXX, but they connect the phone line with other company or department/ area of Eagle National Bank the name is XXXX XXXX XXXX this men told me he is the XXXX who works with the people when some XXXX XXXX, he has to register the information and I explain my situation and he said, to confirm your information give your full name and home address, and I gave this information by phone and he said you are the same I have in my sistem the only thing I need is your husband dead certificate, send me the fax to XXXX, I send this fax, I called to the phone number of bank of amercia XXXX to know if they have the dead certificate, but they said we do n't have it. I decided to visit the office of Eagle National Bank in XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX ) XXXX. The manager talk with me, I said I need to send this dead certificate by fax. She said I am no able to see your name as a beneficiary because your husband only have the account under his name and in the bank statement is only under his name. I said, I know that because benefciaries or PPO, do n't show the name in the bank statement. But I know i am the beneficiary, I spoke with XXXX employes before you and they said my name it is in the system, I said please give the name of the men, the XXXX I spoke XXXX, you have all my phone call in the system and you can see that, and she said his name is not here. Only I have the information about your call and I have the name of the men who help you with the traslation but I do n't have the other name. I felt so bad because I knew she was hiding me information. She call by phone some one else maybe XXXX of the employes XXXX, and the manager of the bank in XXXX XXXX said, you need too show me a document for the court which include you are the owner of your husband account. I said I do n't need that, because I am the beneficiary of my husband account. 
",,Consent provided,Web,2015-04-06,Closed with explanation,Yes,Yes,CR1316654,2752
2015-04-06,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,"I went to XXXX XXXX for XXXX shopping but my card was declined. I called Phone banking but was put on long holds, finally when some one made their self available I was told that my card was temporarily blocked. This stupid decision was made without even informing me thus after queuing up in line to buy for weekend and XXXX I had to leave store empty handed. Further when ever I contact EN I have to face long holds and their chat representative are always busy as well. This wastes my time and in case of emergency i do n't think i would be able to get in touch with them. Do n't they calculate their capacity model, whats the use of having help line and chat if they are always out of representatives. 
Can you please look into the above complain because the representatives at EN do not care about customer complains. 
",,Consent provided,Web,2015-04-06,Closed with explanation,Yes,No,CR1316962,3215
2015-04-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Notarized FHA modification documents XXXX times. XXXX time was with XXXX who came to my house. Stated I would receive a check for {$200.00} in doing so. Now I get another XXXX delivery saying I must do it over again because some documents were not submitted. This is the same reason given each time. 
",,Consent provided,Web,2015-04-06,Closed with explanation,Yes,No,CR1316677,3315
2015-04-06,Bank account or service,Savings account,Deposits and withdrawals,,"Upon advise of the B of A branch # XXXX manager I closed XXXX very old accounts. My checking and my savings account. I did this to prevent anyone from depositing money into my accounts and thereby creating a legal difficulty for me. After waiting the required amount of time I informed a person that I was returning her check and refusing to accept any partial payment. That person went to the XXXX XXXX, Ca. branch of B of A and attempted to deposit a check into my closed account as evidence on the deposit receipt. That person then managed to convince the teller that she had legitimate business and the teller found my new account information and allowed her to deposit the check as evidenced by the deposit receipt. When that persons cashed check is processed by her Bank all of my new account number will be available to her. Eagle National Bank tells me that they can not guarantee that this will not happen again. My only recourse is to close all of my B of A accounts. 
",Older American,Consent provided,Web,2015-04-06,Closed with explanation,Yes,No,CR1317640,2302
2015-04-06,Credit card,,Billing disputes,,"Complaint against XXXX XXXX and Eagle National Bank : My bank today took money off my credit card after placing it back when they received original complaint from against XXXX. 
Per the Bank it found no reason to take money from XXXX. Most important I was told I missed the XXXX closing date. No one said there was XXXX! Per Bank their investigator saw in XXXX materials that a refund can be given on the sleeping car portion that I asked for BUT XXXX said "" I elected to take a voucher '' No I did not. If I had not been calling the Bank how would I have know of this? Bank sent me copy of XXXX first response XXXX page of its XXXX pages sent. I have no idea what there full response was therefore I could not respond to it. Bank said that 's it. Bank has my mortgage, credit card. I guess I have to continue the fight and think about separating from the Bank. When I asked for XXXX number I was given the computer ticket lady. What can your Agency do? 
",Older American,Consent provided,Web,2015-04-13,Closed with monetary relief,Yes,No,CR1317936,3560
2015-04-06,Credit card,,Delinquent account,,"I had a Eagle National Bank credit card for about 10 years. The account is now closed and the balance is XXXX. The credit reporting agencies are reporting different information about the account. XXXX reports a 30-day late payment in XXXX 2011 but on time payment in XXXX. XXXX reports a 30-day late payment in XXXX 2011, but an on-time payment in XXXX 2011. I have written to EN XXXX times to try and resolve this, have submitted inquiries to XXXX and XXXX. No results. Somebody has it wrong -- I want EN to stop reporting the account altogether since they ca n't get their records straight. 
",,Consent provided,Web,2015-04-06,Closed with explanation,Yes,No,CR1316579,2972
2015-04-06,Credit card,,Advertising and marketing,,"I have a Eagle National Bank XXXX XXXX Credit card ... .they had a 5 % cash back promotion which I registered for for purchases made thru XXXX XXXX, 2014. The ad said 5 % cash back on purchases made at qualifying book, toy, electronics, sporting goods and department stores. I made a purchase at XXXX XXXX XXXX -a dep't store in XX/XX/2014. 
I have not received the rebate ... I called the bank 's credit card 's phone # and the agent told me that the reason was that XXXX XXXX XXXX is n't on their qualifying list ... it is considered a "" high-end '' retailer unlike stores like XXXX XXXX or XXXX XXXX. 
I believe that this is false advertising ... had I known that this was an unqualifying store, I would have used XXXX of my mileage cards instead! 
The purchase was for some {$110.00} so the cash back would have been about {$5.00} ... but that is n't the point ... .this bank to me, has falsely advertised it 's promotion!!! 
",Older American,Consent provided,Web,2015-04-06,Closed with monetary relief,Yes,No,CR1317164,3056
2015-04-06,Bank account or service,Checking account,Deposits and withdrawals,,"MY BANK RECORDS FROM Eagle National Bank WERE RELEASED TO AN ATTORNEY WITHOUT ANY SUBPEONA OR LETTER SEND TO ME REGUARDING RELAESE AND THEY HAVE NO RECORD OF ANY 
",Older American,Consent provided,Web,2015-04-06,Closed with explanation,Yes,No,CR1316586,4758
2015-04-06,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I accessed an ATM machine at XXXX XXXX XXXX. I was charged {$3.00} fee, which I understood to be for using non-bank ATM Fee. However, i was charged additional {$3.00} from my bank for charging a different bank 's ATM Fee. I was charged total of {$6.00} for this transaction. {$3.00} by my bank and then {$3.00} by the other bank. 
",,Consent provided,Web,2015-04-06,Closed with explanation,Yes,No,CR1316983,1416
2015-04-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,Consent not provided,Web,2015-04-06,Closed with explanation,Yes,No,CR1316692,1589
2015-04-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-24,Closed with explanation,Yes,No,CR1318016,3479
2015-04-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-08,Closed with explanation,Yes,No,CR1317419,1054
2015-04-05,Credit card,,Identity theft / Fraud / Embezzlement,,"Dear Consumer Financial Protection Bureau : You will understand what actually transpired between me and Target after reading the XXXX XXXX, 2015 letter attached for you to read here. I do not have any card belonging to Target as a credit card. I did not apply for any credit card from Target at any time and I will not allow this scam against me to work for Target and its employees. They have already proceeded to adversely report me to the XXXX credit bureaus. You will also see attached letter dated XXXX XXXX, 2015 I wrote them to remove their adverse report against me in XXXX days or I might have no choice than to file a lawsuit against them. I have decided to lodge my complaint through you. If I could not resolve this matter via your humble office, Target will regret ever messing with me. 
",,Consent provided,Web,2015-04-09,Closed with monetary relief,Yes,No,CR1314565,3124
2015-04-05,Credit card,,Billing statement,,"This is a SYSTEMIC issue that I wish to address with Regards to EN Credit services. They do not offer EMAIL ALERTS before the payment is due ; rather they offer text alerts, which means you have to pay for the text. This is done to deliberately have people late on their credit card payments as most people do n't want to pay for texts. This issue must be addressed, it is a systemic issue, and it has me getting behind on my payments all the time, I have XXXX other credit cards, and I am on time with all of them, because they have Email alerts that alert me a few days before my payment is due, but EN however WILL NOT ALLOW EMAIL ALERTS, they will ONLY allow TEXT ALERTS. THIS IS A SCAM, AND A RIPOFF, THIS MUST BE ADDRESSED. 
",,Consent provided,Web,2015-04-06,Closed with monetary relief,Yes,No,CR1316094,953
2015-04-05,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-04-05,Closed with explanation,Yes,No,CR1316064,3698
2015-04-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-05,Closed with explanation,Yes,No,CR1316120,4773
2015-04-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Eagle National Bank has a atm suspicious activity program which use to be voluntary but now seems to be mandatory. although some still say you can opt out, I try what they say to do it but so far no luck. this sounds great in theory but it is actual harassment. they freeze you card, the only way you know it is them is by e-mail or phone call. if your in a store and do n't have a cell phone, your screwed as everyone thinks your out of money or them the trans has to be void and you leave in shame and once you get home and call them or get the e-mail, then your on hold to get to a person for XXXX minutes, then the person wondersw why your upset- well duh!!!!. then in my case since I was at the drug store getting medicine I have to face the embarrassment of going back there to finish what I started. this would not be so bad if I had not already done what the rep told me to do last month when they froze my card for suspicious activity at the same store. so when I got the rep on the phone I went through the list of where I work, where I shop, the drug store, everywhere I might use the card so this would not happen again, they said that this was what I needed to do since they could not find a way to opt me out of this nightmare. low and behold I get up on the day before XXXX, buy a XXXX book from XXXX, which I told Eagle National Bank I was a junkie for, and go to the drug store and post office, which I told them I go to and guess what, they freeze it and I have to walk out the drug store, no medicine XXXX drive home check the mail, call them, wait on hold XXXX minutes, answer stupid questions all for a im sorry, then go through the embarrassment of going back to the store and not having them think I am a broke moocher. if bank America would go back to letting this be optional or finding a way to let people opt out of this esp if they already have this service from others then things would be a lot better 
",,Consent provided,Web,2015-04-04,Closed with explanation,Yes,No,CR1314598,6185
2015-04-04,Bank account or service,Checking account,Problems caused by my funds being low,,"with "" automatic bill pay '' my account was withdraw XXXX ( same amount XXXX dollars, on XXXX XXXX, and XXXX XXXX. ) When I checked online to see if my pension money was available I noticed the mistake. This mistake made incur in overdraft, so they start withdrawing a XXXX dollars fee ( XXXX times ) they did n't do it more times because I got my XXXX money deposited and the account had founds. 
Eagle National Bank, send emails to see if their service was good, they call you to offer you new products, but they never called me, to tell me they were withdrawing this fee in an abusive way. Because, XXXX can be a punishment, more than XXXX about the same without notice to the affected person shows they are profiting without any ethical principles. 
I went to the bank in person, they sent me home, this issue can be solved only over the phone ... Next day, called at least they transferred me to XXXX different people and explain the whole issue since the beginning, maybe their solution was to make me give up, instead to give me a professional answer. 
They agreed about the mistake ( almost one hour later ), and refund XXXX dollars ( when really they deducted XXXX ), so I have other call pending to claim on the same. 
This is no the proper way to treat a XXXX who is a loyal customer of them for the past XXXX years at least. 
I got punished for their mistake in XXXX, and same problem had occurred on XXXX, so is recurrent this unfaithful practice. 
How they can do with me and my money whatever they want, and I have just to watch? 
I am just a person who lives on his retirement money not an account knowledge professional. 
Why Banks do n't inform the client as soon as they take money as "" penalty ''? and really at my XXXX years old I did n't feel treated with respect and understanding. 
",Older American,Consent provided,Web,2015-04-04,Closed with monetary relief,Yes,No,CR1316006,2701
2015-04-04,Bank account or service,Other bank product/service,Deposits and withdrawals,,"XXXX XXXX Eagle National Bank has refused to return the residual balance in a bank account of {$3.00}. After contacting the customer service organization they communicated that they would charge me {$50.00} for the return of my {$3.00}. Or they could just take my {$3.00}. Every financial company should be required to provide at least XXXX option for returning a customers own money without a fee. 
",,Consent provided,Web,2015-04-08,Closed with explanation,Yes,No,CR1315946,519
2015-04-04,Credit card,,Billing statement,,"I have had a Eagle National Bank card for 17 years. Within the past year, I 've had XXXX problems with this account. 

The first problem is that the emailed statements have not been delivered regularly since XX/XX/XXXX. This has resulted in several late charges. I checked my junk mail folder and deleted items. I received a statement on XX/XX/XXXX and Did not receive another unil XX/XX/XXXX. This leads to the second and more serious problem ... 

I logged into my account on XX/XX/XXXX to pay my account. This payment did not go through. Eagle National Bank has a record of my log in, however ; they do not have a record of my payment. In XXXX, frustrated with the late fees and the email problems, I paid off my balance and cancelled my card. On XX/XX/XXXX I recieved another statement. Again, my payment did not go through. I called Eagle National Bank and was told that they had a record of this payment, but that they ( Eagle National Bank ) had cancelled it "" for some reason, maybe it was a glitch. '' This transaction was cancelled with out my concent and without notification. 

I 'm trying to get the late fees reversed for the XXXX, XXXX, and now XXXX statements. After an hour on the phone, Eagle National Bank admits their mistake with the XXXX transaction, but not XXXX. The Eagle National Bank representat stated that the case is currently pending an internal investigation. 
",,Consent provided,Web,2015-04-04,Closed with monetary relief,Yes,No,CR1315915,346
2015-04-04,Bank account or service,Checking account,Problems caused by my funds being low,,"I have had a bank account at Eagle National Bank NA in XXXX, Pennsylvania. I opened the account almost three years ago only used the account twice to use the counting machine in the branch, and so maintained a low balance. I have not deposited, withdrawn, or had any transactions with my account, including coin counting for over two years now. My account was noted as "" inactive '' on XXXX 's system, and as such I was not able to conduct transactions over the phone, which I found out today. 

Recently, Eagle National Bank converted my account without my consent to an account with a minimum balance. As a result, they charged fees to my inactive account for not meeting the minimum balance. EN may have assessed overdraft fees because the fees they assessed for not meeting the minimum balance brought my balance below zero. All of this without my consent and on an account they knew and had listed as inactive. 
",,Consent provided,Web,2015-04-04,Closed with monetary relief,Yes,No,CR1315994,2822
2015-04-04,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,Consent not provided,Web,2015-04-04,Closed with explanation,No,Yes,CR1314297,4034
2015-04-03,Bank account or service,Checking account,"Account opening, closing, or management",,"I have been applying for bank accounts and have been denied. 
XXXX and Eagle National Bank are XXXX bank accounts that Ive had in XX/XX/XXXXboth accounts have been involuntarily accessed and deposits andwithdraws have been done on this account, each transaction wasTELLER TRANSACTIONS. 
When I first noticed it with the XXXX account I immediately brought it XXXX ( XXXX branch Acct. Manager ) she closed the accountand handled the issue for me. 
Months later it came to my attention that the same activities occurredwith my Eagle National Bank account. On numerous occasions I madecontact to resolve this issue. PLEASE HELP ME! PLEASE XXXX AT BANK 'S AND TELLERS THAT PROCESSED THESEFRADUALENT ACTIVITIES & gt ; 
",,Consent provided,Web,2015-04-03,Closed with explanation,Yes,No,CR1315025,1116
2015-04-03,Bank account or service,Checking account,"Account opening, closing, or management",,"I opened up an account at Eagle National Bank in XXXX 2013. That same day I asked about getting a {$100.00} loan to the bank teller. She takes me outside to the ATM machine and pressed the loan button and requested {$200.00}. I was trusting that she knew what she was doing, but a couple days later I found out my account was closed and I could n't use any bank anymore. You can see on camera that she was the one with me requesting the loan and she is shown on camera pressing the buttons a couple of times. I have no record, no fraud, I dont even owe any banks and I 've been with about XXXX diffrent banks before. 
",,Consent provided,Web,2015-04-03,Closed with explanation,Yes,No,CR1314792,3517
2015-04-03,Bank account or service,Checking account,Deposits and withdrawals,,"My Eagle National Bank savings account went negative by almost {$1400.00}. The bank said it was negative for XXXX days as of XXXX/XXXX/2015. I was trying to pay it off through a payment plan, but the Bank refused and while it took the reason why the account went into a negative balance as a fraudulent transaction ( which happened at XXXX time ), there was no action made to the person who wrote the bad check, nor was there any feedback that they would have allowed me to pay back incrementally the negative balance. 

On XXXX XXXX, 2015 Eagle National Bank performed an unauthorized transaction by taking all of the funds out of my checking account which were actually a student loan for my wife 's school and left us with a negative balance. When I confronted the bank, they said that they were allowed to do that based on the contract of my accounts. I found that hard to believe, which is why I am making this complaint that Eagle National Bank has been performing predatory business practices and continues to do so that are not only unethical but I wonder if they actually violate the law. 
",,Consent provided,Web,2015-04-03,Closed with explanation,Yes,No,CR1315580,10475
2015-04-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On XX/XX/XXXX I came home from a long day of work and found the attached letter in my mail box. In this attached letter from XXXX XXXX it is advising that on XX/XX/XXXX a payment that was legitimately authorized to them from Eagle National Bank on XX/XX/XXXX was advised unauthorized per a dispute given by the "" now '' Eagle National Bank account holder. I was an authorized party on the account until XX/XX/XXXX. The amount that was disputed was for XXXX. 
This was indeed an authorized payment due to I was a joint owner of the Eagle National Bank account when the payment was submitted to XXXX XXXX. The reason that this payment was advised unauthorized by the current account hold is because my ex is being spiteful and he knows that Eagle National Bank is not going to put in the extra legwork to ensure if this was indeed true or false. 

This is the XXXX time I am having to deal with this matter in a 1 month time frame and it is becoming ridiculous. If Eagle National Bank did a better job in ensuring the following before the dispute was done we would n't have this issue : - Who 's name is on the bank account at the time that the payment was made? 
- Who 's name was on the account that the payment was made to? 
- Does the address match what was on file to Eagle National Bank when the payments were made? 

I can answer this with ease - IT WAS MINE!!! Eagle National Bank should not allow authorized payments to be disputed when they were made legitimately while it was a joint account. My ex is being spiteful due to I broke the XXXX because he became abusive. Eagle National Bank this has to stop! I am tired of being a victim because someone is not doing their job correctly and continuing to breach their fiduciary duty. 
",,Consent provided,Web,2015-04-03,Closed with explanation,Yes,No,CR1314453,4413
2015-04-03,Bank account or service,Checking account,Deposits and withdrawals,,"We refinanced our home with Eagle National Bank. Last week we received an escrow refund check of $ XXXX+ and I went to deposit it at the ATM. The ATM did not process the check and would not return it. I contacted the bank when it opened and filed a claim. They said they would give me a temporary credit and would make that permanent once they had investigated the issue, and that it "" would n't take long ''. A week later I called to find out when the temporary credit would be made permanent. I was told that it would take up to 45 days to resolve and that I had access to the funds already. We do n't actually have access to the funds because if there is no error report with the ATM ( read : it ejected the check to another banker ), then they will take the credit back. They will not do anything to expedite real access to the funds. 
",,Consent provided,Web,2015-04-03,Closed with monetary relief,Yes,No,CR1315420,3505
2015-04-03,Credit card,,Other,,"For the past 3 years my account has been routinely frozen, usually without them notifying me. This is because they tag recurring charges as fraud. I have called repeatedly to tell them to stop tagging suppliers I have been dealing with for 3 years, and they just keep on doing it. Nothing I say or do seems to help. Some of my suppliers have multiple charges on XXXX statement. They keep telling me the problem is fixed, but it is n't. I am tired of my suppliers calling and telling me my card wo n't go through. Yesterday, for the first time, my card was refused for a personal purchase at a food store. I was so horribly embarrassed. This has NEVER happened to me. Why? Because they froze my card and did n't tell me. The reason was, yet again, because of supposed fraud. But, it was just my regular suppliers they had tagged. When I called to complain, again, they claimed they had called me. When I told them they certainly did n't, they then said they had sent me a letter. Kidding right???? I asked to speak to a supervisor, who transferred me to the fraud dept. I spoke to a XXXX in the fraud dept. who was supposed to transfer me to someone higher up, but instead hung up on me. This has to stop. 
",,Consent provided,Web,2015-04-03,Closed with explanation,Yes,No,CR1314974,3572
2015-04-03,Credit card,,Delinquent account,,"On XXXX/XXXX/15, I received an e-mail statement from Eagle National Bank 's Online Banking, stating I have a payment due on XXXX/XXXX/15 for {$99.00}. On XXXX/XXXX/15, the same day I received the email statement, I made the payment of {$99.00} and it posted to my account on XXXX/XXXX/15. 

On XXXX/XXXX/15, and on numerous dates thereafter, I contacted EN via chat and telephone, to inquire as to why it was still showing that I still had a payment due on XXXX/XXXX/15 for {$99.00}. I was informed that EN was making changes to their Online Banking system and that I need not worry and my {$99.00} payment on XXXX/XXXX/15 will be applied to the XXXX/XXXX/15 due date. 

On XXXX/XXXX/15, I noticed that my account was past due, there was a new payment due immediately for {$98.00}, a {$25.00} late fee for payment due, my card was blocked from use and my credit line was decreased from {$10000.00} to {$8900.00}, as a result of this "" delinquency. '' All of these penalties occurred without reason and prior notification to me. 

On XXXX/XXXX/15, I contacted EN via chat and telephone and after research, it was discovered that it was bank error that my payment for the XXXX/XXXX/15 due date was incorrectly applied in the system and therefore, I received a {$25.00} late charge adjustment. I was then informed that this matter would be immediately rectified and the new payment due immediately for {$98.00} would zero out and I would only have to pay the XXXX/XXXX/15 amount due of {$120.00}. 

On XXXX/XXXX/15, I noticed that my account was still past due, and now I owed an amount of {$220.00} by XXXX/XXXX/15 ( $ 98+ {$120.00} for XXXX ). I contacted EN again via chat and telephone and again, was advised this would again be immediately rectified. Not trusting EN after false information was previously provided to me, I paid both the {$98.00} and the {$120.00} to have my account placed back in good standing, even though it was in good standing and always has been. 

On XXXX/XXXX/15, I contacted EN via chat and telephone and inquired again as to why this has n't been rectified and more importantly, to request my previous credit line of {$10000.00} be RESTORED, since the reduction was a result of EN incorrectly putting my account in delinquency. I was advised that would be impossible without running a new credit report and I declined. I DID NOT REQUEST an INCREASE in my credit line, I requested my credit line be RESTORED, due to EN 's error. 

Not only did EN misapply my payment, I had to pay a new payment due immediately for {$98.00}, a {$25.00} late fee for payment due, which was later refunded, my card was blocked from use and my credit line was decreased from {$10000.00} to {$8900.00}, and the refusal to RESTORE it, as a result of EN 's error, is appalling. 
",,Consent provided,Web,2015-04-03,Closed with monetary relief,Yes,Yes,CR1315361,4696
2015-04-03,Credit card,,Delinquent account,,"The credit report listed an item : XXXX Serious delinquency. When I contacted consumer finance, the agent said that Eagle National Bank reported I was delinquent on several credit card payments. I contacted Eagle National Bank and they said that they only had a checking and savings account under my name on file. XXXX these accounts were closed years ago and they do not have record of me having a credit card with them. They said they could check archives, but because all of my accounts are now closed, they should not be reported as delinquent in any credit reports. 
",,Consent provided,Web,2015-04-07,Closed with explanation,Yes,No,CR1315061,2645
2015-04-03,Credit card,,Billing disputes,,,Older American,Consent not provided,Web,2015-04-03,Closed with monetary relief,Yes,Yes,CR1314651,2700
2015-04-03,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-04-03,Closed with monetary relief,Yes,No,CR1314520,2123
2015-04-03,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-04-03,Closed with explanation,Yes,Yes,CR1315655,1095
2015-04-02,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,"A contract accounting firm opened an account and naming our company as a dba, he then stole our company checks from our office and deposited them in his company account at BofA. None of these checks had any endorsement on them. 
",Older American,Consent provided,Web,2015-04-02,Closed with explanation,Yes,No,CR1314634,8737
2015-04-02,Bank account or service,Savings account,Deposits and withdrawals,,"On XXXX, I deposited XXXX XXXX party checks ( {$4400.00} and {$1800.00} ) into my Eagle National Bank Savings account via ATM in XXXX, NY that was signed over to me by my father, XXXX XXXX. The next day, the amount was reversed out of my account. I contacted EN and was told that they do not honor XXXX party checks. I was told that the original or legal substitute copies would be returned to me via mail within XXXX to XXXX business days. 
I spent XXXX weeks in NY caring for my father, who was hospitalized because of a XXXX XXXX and XXXX. Upon my return home to XXXX there were no checks from Eagle National Bank. I waited another week to contact them regarding the checks. I went online to the banking center and was told to go into the branch. I went into my local branch and was told that they could not assist me that I had to contact the XXXX number. 
I called the XXXX on XXXX XXXX, spoke with a supervisor, and explained what happened and what was needed. He put in a request for the original copies or legal copies to be mailed out to me. About XXXX weeks later, I received photo copies of the checks. I contacted customer service again and explained that I received photo copies and not legal copies. At XXXX point, the representative tried to tell me that the photo copies were legal copies until I told her that the letter stated that they were photo copies and that there was no legal verbiage on the checks, indicating that they were legal copies. 
My complaint was escalated to have the legal substitute copies mailed out to me asap. I received a call the next day to contact customer service ( escalation department ) because they needed additional information. When I contact them, they inquired if I could have the original vendor stop payment on the checks and reissue them. I told them that that was not an option since the original checks were issued to my father who, was not in any condition to handle any business affairs. A second request was put in for the substitute legal copies of the XXXX checks. 
On XXXX, I received photo copies of the checks again. I contacted the escalation center for EN where I was told that they could not produce the original checks or legal copies of the check. I was told that they use a third party company and that each time the request was put in, it was denied, but there was no explanation. I told the representative that I have no way of having these checks reissued and that I could not eat {$6300.00} because their XXXX party vendor could not produce checks, that were supposed to be sent to me within 10 days of deposit. The request was escalated to find out why the third party that produces the legal checks could not issue them. 
I no longer have trust in Eagle National Bank. It is now two months later, I have been given so much misinformation and they will not return over 6K worth of checks to me, as their policy states. I understand that they will not honor third party checks, however, return the legal copies ( or original copy ) to me and allow me to have another bank honor them. I need some assistance in getting these checks back to me. 
Below are reference numbers for my case throughout this XXXX month XXXX - XXXX XXXX - XXXX XXXX - request to find out why the XXXX party vendor will not send legal copies of the checks 
",,Consent provided,Web,2015-04-02,Closed with explanation,Yes,No,CR1312470,210
2015-04-02,Bank account or service,Savings account,"Account opening, closing, or management",,"I rec 'd a letter on XXXX/XXXX/15 from Eagle National Bank informing me that the bank was to begin charging {$4.00} monthly fee on my XXXX account on XXXX/XXXX/15. I am appalled that a bank would begin charging fees before contacting me and allowing a period of time to move my funds if I were to choose to do so to avoid the charges. 
",Older American,Consent provided,Web,2015-04-02,Closed with explanation,Yes,No,CR1313678,4748
2015-04-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I received a letter dated XXXX XXXXXX/XX/2015 notifying me that Eagle National Bank would start charging a monthly maintenance fee on my XXXX account starting XXXX XXXX, 2015. The letter was only dated 5 days prior to the start date, and the mail certainly arrived later. 
",,Consent provided,Web,2015-04-02,Closed with explanation,Yes,No,CR1312979,8030
2015-04-02,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-04-02,Closed with explanation,Yes,No,CR1312600,1247
2015-04-02,Credit card,,Balance transfer,,,,Consent not provided,Web,2015-04-02,Closed with monetary relief,Yes,No,CR1312854,12850
2015-04-02,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,Consent not provided,Web,2015-04-03,Closed with explanation,Yes,No,CR1312259,1556
2015-04-01,Bank account or service,Checking account,Problems caused by my funds being low,,"I had {$10.00} in my savings and {$38.00} in my checjing yesterday XXXX/XXXX/15 my purchases were processed and that left me with a XXXX however I deposited {$20.00} to have {$8.00} left im my account what Eagle National Bank did they took out my XXXX from my savings and charged me a {$10.00} fee for transferring my own funds leaving me - {$16.00} and {$0.00} on my savings then a payment posted the same day for {$9.00} which the seller cancelled as well I have an email to prove it ... And the bank charged a {$35.00} return fee for the {$9.00} check leaving more negative, and this morning the barely sent me an email letting me Know that they took the liberty to withdraw {$35.00} instead of sending me the email alert before hand on XXXX/XXXX/15 yesterday I was the XXXX noticed this and deposited {$20.00} so they wouldnt process anything since all the transactions were made the same day in XXXX XXXX, 2015. I called to complain why and the only returned the ten dollars and it took them XXXXminutes to "" try an figure out why those charges were posted '' and said they could n't return my {$35.00} leaving me with XXXX and {$0.00} in my savings as a XXXX I work hard for that money I work 7 days a week XXXX jobs and I trusted my bank to let me know before hand about any warnings in my account instead they made me negative and bounced a check to a seller who cancelled the transaction I tried to tall to a manager in service center on the phone he hung up on me instead of resolving this I am really upset I thought thats why they have employees working to help us understand and fix their mistakes, I know {$35.00} is not much for the corporation bank etc.. But to me is XXXX of work I have to put in to earn that money ... I would n't complain here if I knew I was "" wrong '' acvording to them and leaving me XXXXMinutes in hold and XXXX to try and figure it out and an hour of my time si they can just hang up on me without the money that bwlongs to me that I earn and worked for. 
",,Consent provided,Web,2015-04-01,Closed with explanation,Yes,Yes,CR1310134,13924
2015-04-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,"This morning at XXXX CST I received an email from XXXX of my Credit Cards - XXXX Bank for XXXX Credit that XXXX payments legitimately made from a joint banking account with Eagle National Bank were advised unauthorized. The amounts are as follows : {$97.00} $ XXXX XXXX Bank for XXXX Credit they received the dispute on XXXX XXXX, 2015 from Eagle National Bank XXXX I have proof that the individual that is making these disputes on the Eagle National Bank account was also an authorized user on the XXXX Bank for XXXX XXXX account. This seems to be an on-going matter with Eagle National Bank allowing payments to be disputed and not doing a proper investigation on this matter. This is a direct violation of their fiduciary duty and they ca n't allow payments to any vendor to be removed. I was an active user on the Eagle National Bank account until XXXX/XXXX/15 - I have proof that I was an authorized user on the account that the disputes were coming from.This is completely affecting my credit and I should n't have to pay for something that was authorized. My ex became extremely abusive hence the reason why I removed myself from the account on XXXX/XXXX/15. I do not think it is fair that they are allowing this foolishness to happen. 
",,Consent provided,Web,2015-04-02,Closed with explanation,Yes,No,CR1310147,8636
2015-04-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Was in XXXX XXXX XXXX XXXX in XX/XX/XXXX. Hospital has 3rd-party billing company - XXXX ( AKA XXXX ' ). XXXX & I have had ongoing billing issues thru XX/XX/XXXX, due to my 'overpayment ' of bill ( which should 've been 'zeroed out ' due to my insurance/their billing mistakes ). Have received XXXX ( XXXX ) refund checks from local state facility ( no address avail via XXXX, but have local # AND XXXX # ). 3 months had passed, as of this week ( opened mail XX/XX/XXXX, no datemark on XXXX envelope, just XXXX 's return city/state of XXXX, Tennessee ) with Eagle National Bank 's debit card ( aka 'BofA ' ) attached to default debit card form, only referencing XXXX logo up top of form, reference in bottom right says, card value : {$100.00}, XXXX XXXX XXXX XXXX along with included bank facts of how private information can be shared. Never authorized 3rd-party billing to 'volunteer ' my private information ( including my SSN, which is referenced in bank doc ), nor agreed to it in hospital documentation. Contacted XXXX via XXXX #, asked for supervisor, got XXXX XXXX, rude, interrupted my statements of HIPPA violation reasons & that I 'd previously gotten refund checks, by saying it was NOT HIPPA violation, that it was 'new ' policy ( my summation is that I wo n't be the only individual dealing with this HIPPA violation ). I interrupted her to get her full name, told her I would be reporting her for HIPPA violation and hung up. Tried calling my bank to see what options I had, no one available to help, decided to call local state XXXX #, spoke to XXXX XXXX. Am uncertain whether she 's aware of other office 's ( corporate? ) policy, BUT was extremely pleasant and helpful, said she 'd follow up with me 24/48 hours later via email, repeated back to me my requests : 1, to have my private info removed from BofA ; 2, that I get a refund CHECK from XXXX ; 3, that BofA credit card made void. 
",,Consent provided,Web,2015-05-06,Closed with explanation,Yes,No,CR1310053,2609
2015-04-01,Credit card,,Identity theft / Fraud / Embezzlement,,"I was applying for a auto loan and I was denied because of my bad credit history. I obtained my credit report from XXXX, XXXX, and XXXX and I figured out that there are several accounts that do not belong to me. I am a victim of identity theft and somebody stole my personal identification information and opened accounts under my name. I filed a police report from XXXX Police Department ( Police report No : XXXX ) on XXXX XXXX, 2014 and sent the police report to all credit bureaus and creditors. Since now, I did not get any results and the credit bureaus refuse to resolve this problem. I called to XXXX many many times and asked them to block the fraudulent accounts but they did not pay any attention to my dispute. I talked to XXXX XXXX who was from XXXX Fraud Department ( he was from XXXX that how he introduced himself ) and he did not even go through the documents that I send to XXXX. He told me that he could only redispute the fraudulent accounts, I told him that since XXXX 2014 and I am disputing fraudulent accounts but still no results. Please help me to resolve the problem, because my credit was damaged for some reason and the following accounts are opened under my name : Eagle National Bank ( acc no : XXXX .... ), XXXX XXXX - ( acc no : XXXX .... ), XXXX XXXX ( acc no : XXXX .... ), and XXXX ( acc no : XXXX .... ). Also, please see attached the police report. 
",,Consent provided,Web,2015-04-01,Closed with explanation,Yes,No,CR1311772,134
2015-04-01,Credit card,,Billing statement,,"XXXX unwarranted charges were included in my XX/XX/XXXX.-XX/XX/XXXX 2015 Eagle National Bank credit card statement : a {$31.00} late fee and a {$17.00} interest charge. A BofA representative, in a XXXX/XXXX/15 phone conversation, agreed to remove these charges which would be reflected in my next statement. 

In that BofA statement, received XXXX/XXXX/15, the {$31.00} charge was removed but not the {$17.00} charge. I again spoke to BofA this morning, XXXX/XXXX/15, and was told the {$17.00} would be removed from my account and be shown in the next statement. We shall see. 

Both charges were unwarranted and I have no idea what the {$17.00} charge is for. Eagle National Bank has not acted in an ethical or honest business manner - which may be an oxymoron. Had I not diligently examined my statement, BofA would have benefited from the XXXX unjustified charges which is no doubt magnified by countless other unwarranted charges not disputed by those other clients. 
",Older American,Consent provided,Web,2015-04-01,Closed with monetary relief,Yes,No,CR1311473,266
2015-04-01,Bank account or service,Checking account,Problems caused by my funds being low,,"I had an overdraft fee of {$100.00} just about for EN Bank. I go to open an account at XXXX Bank and I am denied due to the fact the back closed the account which I knew but hadno idea that it would go to a collection agency. Then I had paid it off and went to open the account because I was told that EN Bank was only holding my account through their Credit systems and it would be clear. Well I went the next day to open my account and still could not. I need this account for my new job and it is very important. How can I fix this problem as soon as possible? 
",,Consent provided,Web,2015-04-01,Closed with non-monetary relief,Yes,No,CR1311739,1295
2015-04-01,Credit card,,Other,,,,Consent not provided,Web,2015-04-01,Closed with explanation,Yes,Yes,CR1310139,7325
2015-04-01,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,Consent not provided,Web,2015-04-01,Closed with explanation,Yes,Yes,CR1310718,1687
2015-04-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-04-01,Closed with non-monetary relief,Yes,No,CR1311132,4522
2015-03-31,Bank account or service,Checking account,"Making/receiving payments, sending money",,"On the XXXX/XXXX/2015, I went to Eagle National Bank branch to get my checking account and routing number. A young associate name "" XXXX '' asked me for my Virginia identification card and debit card. to process my inquiry. After 5 minute he came back with a small paper which has an account and routing number. I used those numbers in my online tax filing. 
After XXXX weeks I call IRS to ask about my refund ; they told me it is already in my bank account. When I checked my bank account, there was no deposit from IRS. 
As I went to another branch and verified the small paper the bank associate "" XXXX '' gave me, I realized that the number he gave me is someone else bank account. As a result, someone else got my tax refund money. I don t know if he did it by purpose or it was a mistake. 
It is really disappointing that Bank provides erroneous information. 
Could you please look into the matter and have the money send back to my account as soon as possible. 
Thanks and XXXX branch address is : Eagle National Bank XXXX XXXX XXXX, XXXX XXXX, VAAssociate name is : XXXXOn the XXXX/XXXX/2015, I went to Eagle National Bank branch to get my checking account and routing number. A young associate name "" XXXX '' asked me for my Virginia identification card and debit card. to process my inquiry. After 5 minute he came back with a small paper which has an account and routing number. I used those numbers in my online tax filing. 
After two weeks I call IRS to ask about my refund ; they told me it is already in my bank account. When I checked my bank account, there was no deposit from IRS. 
As I went to another branch and verified the small paper the bank associate "" XXXX '' gave me, I realized that the number he gave me is someone else bank account. As a result, someone else got my tax refund money. I don t know if he did it by purpose or it was a mistake. 
It is really disappointing that Bank provides erroneous information. 
Could you please look into the matter and have the money send back to my account as soon as possible. 
Thanks and XXXX branch address is : Eagle National Bank XXXX XXXX XXXX, XXXX XXXX, VAAssociate name is : XXXXOn the XXXX/XXXX/2015, I went to Eagle National Bank branch to get my checking account and routing number. A young associate name "" XXXX '' asked me for my Virginia identification card and debit card. to process my inquiry. After XXXX minute he came back with a small paper which has an account and routing number. I used those numbers in my online tax filing. 
After XXXX weeks I call IRS to ask about my refund ; they told me it is already in my bank account. When I checked my bank account, there was no deposit from IRS. 
As I went to another branch and verified the small paper the bank associate "" XXXX '' gave me, I realized that the number he gave me is someone else bank account. As a result, someone else got my tax refund money. I don t know if he did it by purpose or it was a mistake. 
It is really disappointing that Bank provides erroneous information. 
Could you please look into the matter and have the money send back to my account as soon as possible. 
Thanks and XXXX branch address is : Eagle National Bank XXXX XXXX XXXX, XXXX XXXX, VAAssociate name is : XXXX the XXXX/XXXX/2015, I went to Eagle National Bank branch to get my checking account and routing number. A young associate name "" XXXX '' asked me for my Virginia identification card and debit card. to process my inquiry. After XXXX minute he came back with a small paper which has an account and routing number. I used those numbers in my online tax filing. 
After two weeks I call IRS to ask about my refund ; they told me it is already in my bank account. When I checked my bank account, there was no depos 
",,Consent provided,Web,2015-03-31,Closed with monetary relief,Yes,No,CR1308082,5046
2015-03-31,Bank account or service,Checking account,Problems caused by my funds being low,,"On XXXX XXXX, I had a balance of {$110.00}. I had XXXX transactions for {$120.00}, {$17.00}, and {$5.00}. Instead of clearing the smaller items, Eagle National Bank charged me for XXXX overdrafts, at {$35.00}. I know Eagle National Bank uses an algorithm which sends the highest amount through XXXX, and then, instead of paying the smaller items, they charge {$35.00} each. On XXXX XXXX, I had XXXX deposits totaling {$1200.00}. I wonder when this small window of opportunity allowed the Bank to charge me {$100.00} for overdrafts, when I have a positive balance. 
",,Consent provided,Web,2015-03-31,Closed with monetary relief,Yes,No,CR1311973,3970
2015-03-31,Bank account or service,Checking account,Using a debit or ATM card,,"XXXX/ACCT XXXX used an expired Eagle National Bank debit card to charge a fee. Eagle National Bank allowed the debit which overdrew my account. They refuse to refund the {$35.00} 00 fee. I am trying to close my account which is why the debit card is expired. 
",,Consent provided,Web,2015-03-31,Closed with monetary relief,Yes,No,CR1309309,4376
2015-03-31,Credit card,,APR or interest rate,,"I have been a Eagle National Bank customer since XX/XX/2005.I opened a checking, savings and a credit card account, my issue is with the credit card account 's APR percentage, it went from10.99 % to 16.99 %. I spoke to the account manager/ account specialist about lowering the APR I was told there was no promotion available for my account they could n't do anything for me. The reason for the APR increase was the bad economy, the economy has recovered yet Eagle National Bank refuses to lower my APR. I feel wronged ... that 's not how you treat a loyal customer!! 
",,Consent provided,Web,2015-03-31,Closed with explanation,Yes,No,CR1310374,2551
2015-03-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"trying to withdrawal money from Eagle National Bank , NA only to find out they are saying theydo not have signatures on file for our company ( owner of the account ). i sent backletters telling EN not to close the account but they closed anyway. They do haverecord of receiving those letters. They are saying they XXXX the money to PA. 
PA has no record of that money. Just want to get our money out of Eagle National Bank andinto our other accounts at another bank. 
",,Consent provided,Web,2015-03-31,Closed with non-monetary relief,Yes,No,CR1308937,4735
2015-03-31,Credit card,,Rewards,,"I am writing you to lodge a formal complaint to Eagle National Bank regarding the sudden, unjustified closure of my EN Cash Rewards credit card account. 

When I opened the EN Cash Rewards XXXX credit card account on XXXX/XXXX/XXXX, there was a promotion attached to my account for "" Earn 5 % cash rewards statement credit on eligible purchases with your EN Cash Rewards XXXX card. Eligible purchases include dining, groceries, gas and cable, phone and utility bill payments for the first XXXX months after account opening ''. Everything was fine for the first XXXX months. However, in the XXXX month, all grocery store purchases I made between XXXX only earned me 1 % cash rewards. I called Eagle National Bank to inquire about the missing rewards on XX/XX/XXXX and without any notice in advance my credit card account got cancelled on XX/XX/XXXX. 
",,Consent provided,Web,2015-03-31,Closed with monetary relief,Yes,Yes,CR1309011,3232
2015-03-31,Credit card,,Delinquent account,,,,Consent not provided,Web,2015-03-31,Closed with explanation,Yes,No,CR1309224,4620
2015-03-31,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-03-31,Closed with non-monetary relief,Yes,No,CR1308453,1045
2015-03-30,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank has no concern for their customers and consistently exhibits horrible customer service. 
Today I needed assistance and got unsatisfactory results from : * The website ( due to a poorly-designed customer interface ) * The phone system ( hung up on me ) * An in-person branch visit ( computers were down ; gave me bad information on how to solve my problem ) * The online app ( ca n't fix the problem from there although I was told I could ) * Technical support ( went out of their way to blame me for the problem ) * When I called customer support, my call could not be elevated any further because 'management is on the phone'These are some of the lies Eagle National Bank told me along the way : * "" We are committed to excellent customer service '' * "" Your time is precious '' Clearly Eagle National Bank has stopped caring about performing competently or looking after their customers. I am lodging this complaint with the CFPB in hopes that Eagle National Bank might listen to them ( they certainly are n't listening to me ). 
",,Consent provided,Web,2015-03-30,Closed with explanation,Yes,No,CR1307311,9718
2015-03-30,Bank account or service,Checking account,Problems caused by my funds being low,,"Each and every time there is a returned check on my account and I am charged a insufficient funds me, I understand but this extended overdraft balance charge fee, which Eagle National Bank calls a courtesy to their customers is wrong. They will take XXXX check returned and add a {$35.00} insufficient funds fee, then send it thru XXXX to XXXX times at the same amount for {$35.00} overdraft balance charge fee. Making the customer pay as much as {$140.00} for XXXX returned check. 
","Older American, Servicemember",Consent provided,Web,2015-03-30,Closed with monetary relief,Yes,No,CR1306607,4284
2015-03-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I am a Eagle National Bank depositor with investments via their Merrill XXXX program. My wife is a joint acct holder on the EN accts and has an IRA via Merrill as do I. EN offers a Preferred Awards program for their depositors, which earn rewards at different levels for the different accts and amount on deposit, Gold= $ 20-50K, Platinum= $ 51-100K. etc. ALL of their published literature says the amount calculated is the COMBINED AMOUNT OF ALL ACCOUNTS, ON DEPOSIT WITH EN AND MERRILL. 
Our joint check and MM savings totals avg ( 90days ) $ 25K, JOINT IRA= $ 3K, My IRA= $ 17K, my spouse= $ 38K, ALL of this totals over $ 51K, making us eligible for the $ 50K, or Platinum Tier level rewards. EN says, not so, I am enrolled in Gold and My spouse is enrolled in Platinum as HER balances, ( which include our Joint Acct ) exceeds $ 51K, but mine do not. And HER Debit card earns rewards at XXXX level and Mine earns at a lower level ( rewards ) The EN rep says accts can not be combined and ONLY Individual accts count! That is NOT what is published. 
",Older American,Consent provided,Web,2015-03-30,Closed with explanation,Yes,Yes,CR1306397,4418
2015-03-30,Credit card,,Billing disputes,,"I have XXXX credit cards with Bank America. However, there is XXXX I am having an issue with. I applied for a credit card for my XXXX business that I had been currently in at that time and put my daughter XXXX XXXX as an authorized user on this card approximately in XX/XX/XXXX as XXXX was XXXX of my employees as well. When we got the bill it was in XXXX 's name. I called the company ( Bank America ) and they basically told me there was nothing I could do because it was in XXXX 's name and with me as a co-signer! The bill came to my address in the beginning but was just in XXXX 's name. Suddenly, when XXXX moved to another town, she started getting my bills there at her new address! We could n't figure out why they were doing this! I told XXXX to make sure the bill got to me so I could pay it in time! Well, in XX/XX/XXXX I called the Eagle National Bank and asked them to send me a bill to my new address as I am no longer in XXXX and we have sold our home. They said they could n't do this because it would have to go to XXXX 's address and they stated my home address! I told them that the address they quoted to me was my home address and I had been getting the bill back to my address for quite some time now! Well, they did n't forward the bill to my new address so 6 months later, they call my daughter and are harassing her for payment and she would like to buy a new vehicle and this is on her credit report. How can they do this when XXXX did not even apply for the credit card? We have called the company SEVERAL times asking for a copy of the original application because I know it is MY application!! XXXX NEVER signed anything so her name should not even be as the original applicant. They only send us copies of the billing and not the original application! I have now contacted a lawyer and he has me filing this complaint to hopefully save me from giving him money to handle this credit card company who will not listen to the truth. I hope you can help with this matter so we can get this taken care of! Thank you, XXXX XXXX 
",,Consent provided,Web,2015-03-30,Closed with explanation,Yes,No,CR1306686,4080
2015-03-30,Credit card,,Identity theft / Fraud / Embezzlement,,"I keep getting a robo call ( XXXX ) threatening me with legal action accusing me of defrauding a financial institution. after i callled them back with a supposed case # they refused me any information like their adress. They told me their name is XXXX in georgia but the calls come from Ohio 
",,Consent provided,Web,2015-04-02,Closed with explanation,Yes,No,CR1307268,1354
2015-03-30,Credit card,,Late fee,,"My issue with Eagle National Bank is in the process of being resolved, however the practice described must be investigated and action taken for EN to discontinue the practice described for my situation. If other individuals have been charged fees for like situations they should be refunded and EN penalized for it 's actions. 
We have an AAA credit card issued by EN. The card has a rewards program where earned points may be redeemed for travel, merchandise, cash, or statement credit. My complaint is related to an instance where statement credit for the points earned was requested and approved. The XXXX 2015 statement amount was for {$490.00} and the due date was XXXX/XXXX/15. Points value available for redemption was {$480.00}, thus a balance of {$3.00} was due. The points conversion was requested and made via a telephone call on XXXX/XXXX/15 and the EN agent verified the remaining amount of {$3.00} due. An electronic payment was made on XXXX/XXXX/15 in the amount of {$5.00}, thus overpaying the amount due by {$1.00}. The XXXX statement the following month indicates the payments and credits of {$490.00}, however a late payment fee of {$20.00} was assessed on XXXX/XXXX/15, the closing date for the XXXX statement. No interest was charged. 
In a telephone call to EN, the agent stated the fee was assessed because a minimum payment was not made. Without hesitation she stated it is defined in their disclosure statement that a minimum payment is required. Speaking to a supervisor, she also stated several times that the requirement to make a minimum payment is defined in the disclosure statement. She said the agent making the transaction would have read the disclosure at the time. The agent may have read it at the time but it was not clear the a minimum payment of {$25.00} would also be required. The supervisor then offered to remove the {$20.00} fee but said she could not do so until I made an immediate {$20.00} payment because the account is in errs and locked until I made the payment. I opted not to do so at that time. She said she placed a note on the account and once payment is received the account will be credited for {$20.00}. On XXXX/XXXX/15 an electronic payment payable on XXXX/XXXX/15 was made for the full amount of the XXXX statement which included the {$20.00} fee. The statement has a due date of XXXX/XXXX/15. I assume the {$20.00} credit will be made within a few days of receipt by EN. When this {$20.00} is credited it will stand as a {$20.00} credit against the XXXX statement and in effect be a forced interest free loan to EN for that period. 
The disclosure I believe the EN personnel referred to is entitled AAA Member Rewards Program Rules. Under the heading of Cash Rewards - Redemption for a Statement Credit the statement reads "" Points redeemed for statement credit will post to your account within 3 days of the date of redemption. Statement credits will generally be applied to your existing balance with the highest priced Annual Percentage Rate ( APR ). Receipt of a statement credit does not affect your responsibility to pay your Total Minimum Payment shown on each Statement you receive from us. '' It statement does not state that funds must be tendered for amounts in excess of the amount owed. Our practice has been and is to pay statement balances in full each month. The EN requirement to pay any amount in excess of the amount due is totally illogical, and unethical and should be illegal if it not so at present. The fact that the agent and supervisor were so quick with the retort that "" it 's in the disclosure statement '' leads XXXX to believe this is not an isolated occurrence. 
",Older American,Consent provided,Web,2015-04-03,Closed with monetary relief,Yes,No,CR1307481,3451
2015-03-30,Credit card,,Closing/Cancelling account,,"RE : Eagle National Bank ( EN ) Credit Card : Card closed without notice, without valid reason & {$130.00} of cash reward money stolen from me. 


I am an employee of XXXX XXXX ; I pay all of my bills on time ; I 'm now in XXXX ; I work 30 hour weeks ; and achieved all of this while managing a XXXX & coping with prior tragic events ; I love the taste of meat but practice as a vegan because I do NOT believe in the killing of animals XXXX XXXX, XXXX XXXX XXXX ', lest ignorance takes the best of you ) ; I am an XXXX conscientious of not wasting any resources. This is my life style because I care and every little bit counts. However, I continue to be disappointed at the people we place in positions of authority, esp. in government facilities that, in theory, should be acting in the people 's best interest. 

Something to mull over : every time a government employee/representative/senator/etc., opts for the status quo & /or ignores unscrupulous behavior from corporations and the like, they are not simply selling out the people who voted them in that position, they are choosing to sell out their loved ones - their own children, their spouse, their mother and father, their friends, etc., because we are all affected, and the sad truth ( which lends to the status quo ) is that the majority of persons in the U.S. are unable or unknowledgeable on how to protect themselves, what their rights even are, and how to combat apathetic negligence and unlawful activity. 

The Fraud, Unscrupulous Misconducts, Hindrances of Honest Citizens ' Rights, & Impunity of Theft by the financial industry continue. 

My mle ... 

XXXX XX/XX/XXXX opened a Eagle National Bank credit card ( my credit score was XXXX ) with a line of credit of {$5000.00}. 
Made XXXX transaction of approx. {$3000.00}. 
Paid EVERY bill on time - early every month, and more than the minimum payment. 
- HOWEVER, while out of town I was denied while trying to put gas in my car. I never carry cash & had no other credit cards on me. I called Eagle National Bank and was informed my credit card went through an "" annual review '' and was closed a week ago. 
I was never sent ANY notice via email, phone, text or postal mail - NOTHING! 
All my accounts were in good standing at the time. 
EN refused to reconsider, all the while ; I had a 2-hour drive home at night & only XXXX tank of gas - because, well, who gives a XXXX if my account was in good standing and I was paying EN for a service that they had no legal or contractual basis to discontinue. 
Moreover, I had accumulated {$130.00} in rewards cash, but was unable to retrieve that money - EN claims that I lost the reward 's money due to my account being closed. 
The primary reason I opened this EN card was for the rewards, that EN incessantly bombarded me with via promotional offers in the mail. 
Furthermore & most importantly, how does this NOT violate the XX/XX/XXXX Credit Card Accountability Responsibility & Disclosure Act? 
- Specifically ... "" Credit Card issuers MUST notify you of a rate increase- or ANY OTHER SIGNIFICANT change in terms to your credit card account - at least 45 days in advance of the effective date. '' Personally, it seems we must look out for XXXX-another to protect ourselves ; therefore, I will initiate a lawsuit and through XXXX expose the corrupt policies of EN. I will also win this suit and force the statute that legislation initially intended. Why must I take on this battle? Because it seems the individuals we place in the position to do so are more concerned lining their campaign pockets than protecting their own children, spouse, mother, father and other loved ones. Shame on them, Shame on them! 
",,Consent provided,Web,2015-03-30,Closed with explanation,Yes,No,CR1306687,2921
2015-03-30,Bank account or service,Checking account,"Account opening, closing, or management",,"In XXXX I called Eagle National Banks customer service, and asked them to close my account. In the XXXX of XXXX, I went back to Eagle National Bank. To reopen my account, to my surprise the account was never closed.And on top of that, they told me that I owed the bank {$61.00} and some cents. I was told that I could not have the account closed over the phone. But the customer service representative that I spoke to over the phone, did not tell me that. On Friday XXXX XXXX XXXX. I went into a Eagle National Bank on XXXX XXXX, in XXXX. And i was still not helped. 
",,Consent provided,Web,2015-03-30,Closed with monetary relief,Yes,No,CR1307519,222
2015-03-30,Credit card,,Credit card protection / Debt protection,,,,Consent not provided,Web,2015-03-30,Closed with monetary relief,Yes,No,CR1307037,285
2015-03-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-03-30,Closed with explanation,Yes,No,CR1306906,1161
2015-03-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-03-30,Closed with explanation,Yes,No,CR1308011,4088
2015-03-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,Consent not provided,Web,2015-03-30,Closed with explanation,Yes,No,CR1306941,2838
2015-03-29,Bank account or service,Checking account,Deposits and withdrawals,,"Eagle National Bank, which is my own bank, took my whole XXXX check from my account to go towards a charged off auto loan. This is only my second XXXX check received. They gave me know warning beforehand. I got XXXX certified letter today that states they took the funds and will take more. I ca n't pay my rent, utilities, meds etc. they took the whole amount. I have read that this is not legal. Please help! 
XXXX, Oregon 
",,Consent provided,Web,2015-03-29,Closed with explanation,Yes,No,CR1306250,3471
2015-03-28,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank has submitted a false and inaccurate report to the consumer credit agencies and has caused me great financial and personal harm. 
",Older American,Consent provided,Web,2015-03-28,Closed with explanation,Yes,No,CR1305986,4295
2015-03-28,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,"My mother passed away over a year ago and I have been trying ever since to get someone at Eagle National Bank to act on documents giving me, as her court appointed personal representative, access to a small personal IRA she kept at the XXXX, Florida branch for many years. I have visited the bank XXXX times in total since my mother 's passing with all the required legal documentation and personal identification necessary to enable me to legally distribute the IRA 's contents to the heirs as stated in her will. However, to date ( XXXX XXXX 2015 ), I have yet receive anything other than a Patriot Act form that asked me to state that I was indeed a citizen of the United States ... a bit of information I have already submitted XXXX times. I have tried contacting both the managers of the XXXX branch and of the downtown XXXX office by certified mail only to have my letters returned ... unopened. I feel I have been more than patient in my efforts to get someone at Eagle National Bank to act on a simple request for access to an account that I am legally entrusted to collect and distribute. Can anyone here help me? 
",,Consent provided,Web,2015-03-30,Closed with explanation,Yes,Yes,CR1305933,1561
2015-03-28,Credit card,,Other,,"Eleven years ago I lost my job then had a problem with identity theft. I explained the situation to MBNA/Eagle National Bank. I asked to use the insurance that I paid for and they told me I did not qualify to use it. Then they told me that since I was only making the minimum payments, they were going to up my APR and my monthly payments. They continued to increase these till my monthly payments were over {$2000.00}. I closed the account in XXXX, but continued to try to make some form of payment until XXXX. They continued to add interest after the acount was closed. They called me again in XXXX XXXX and threatened me. I told the lady that I did not have the money and it had been over 10 years and they could not continue to harass me. She said "" That is not how it works and we can do whatever we want. '' I checked on the statute of limitations in the state of Texas and it is 4 years. They proceeded to write off the debt and file with IRS. This is not legal according to the Fair Debt Collection Act since the debt is way past the statute of limitations ( 4 years ). 
",,Consent provided,Web,2015-04-02,Closed with explanation,Yes,No,CR1305989,1031
2015-03-28,Credit card,,Transaction issue,,"I ordered and obtained a {$500.00} secured credit through Eagle National Bank to help bring my credit score up. My first minimum payment of {$25.00} was due on XXXX. I paid {$250.00} towards my balance on XXXX. The standard processing and posting time for a payment is two business days. I went to use my card at the grocery store today and it was declined. I called BofA and was told my available credit was {$1.00}. The rep informed me that the payment was received but has not been posted. She had no answer as to why this was. I then spoke with a supervisor who also had no concrete answer as to why the payment has not posted. My concerns are as follows:1. I did my part and paid my bill on time and I should be able to use my card. It is highly embarrassing and inconvenient to be told your card is declined when in actuality it should n't be. 

2. The account that I paid them out of has more than ample funds in it for the transaction to go through without any issues whatsoever. 

3. Are my funds in some type of holding account that B of A is drawing interest from? 

4. My biggest concern is that I initially a requested the card in an effort to bolster my credit score. If my balance is not at least 50 % of the total balance at the end of any reporting period, my credit will negatively affected. 

5. How many othe consumers are having to deal with this? 

6. What if I encountered an emergency and was unable to utilize my card? 

I beg you to assist me in resolving this issue. At this point I do not know where else to turn. 

Thank you, XXXX XXXX XXXX 
",Servicemember,Consent provided,Web,2015-03-28,Closed with explanation,Yes,No,CR1306054,10510
2015-03-28,Credit card,,Closing/Cancelling account,,"On XXXX XXXX, 2015 I CLOSED my Eagle National Bank credit card account. On XXXX XXXX, 2015, and XXXX XXXX, 2015, Eagle National Bank accepted and posted charges to the CLOSED ( statement attached ). I called Eagle National Bank on XXXX XXXX, 2015 and spoke with XXXX XXXX who identified himself as a supervisor in the dispute department. I informed XXXX XXXX the account is closed and I also informed him that no company is authorized to post charges to the account. XXXX XXXX refused to accept a dispute of the charges and advised Eagle National Bank will continue to post these charges to my CLOSED account. He further advised that it my responsibility to work with the vendor to have the charges stopped. I repeated my statement to XXXX XXXX that the account is closed and as of XXXX on XXXX XXXX, 2015, Eagle National Bank has been informed that no company is authorized to bill the this CLOSED account. XXXX XXXX again refused to accept the dispute and again repeated that Eagle National Bank will continue refusing to honor the closing of the account and will continue accepting these charges and posting them to my CLOSED account in spite of being advised the charges are not authorized. 
",,Consent provided,Web,2015-04-01,Closed with explanation,Yes,No,CR1306021,113
2015-03-28,Credit card,,Customer service / Customer relations,,"This is my XXXX complaint for a similar issue. This XXXX incident has resulted in me beginning procedures to close all of my EN accounts, not just my credit card. On XXXX XXXX I had great difficulty ordering a product on-line using my EN credit card. After several failed attempts to pay with my card I called EN. They told me that their fraud detection capabilities flagged my card and they would need to validate my attempted purchase before allowing it to go through. I was shocked, since I was actually using ENs 'ShopSafe ' capability which should clearly indicate to even the most primitive software that it could not be fraudulent activity. Also disturbing, was that after each attempt to authorize payment I would receive an alert on my mobile device indicating a successful payment. After working with customer service we were able to authorize the purchase. I was actually able to see the purchase as a pending transaction on the EN website. Unfortunately, after nearly XXXX, the pending status never changed, and there was no shipment notification from the merchant. I actually called the merchant inquiring as to why they were not shipping my item. They informed me that they have been trying to finalize the authorization with EN, but failed each time. On XXXX XXXX I set up a conference call with EN and the merchant. We tried repeatedly to remove the totally erroneous 'fraud detection block ' but to no avail. During these attempts, the pending status of my earlier attempt disappeared! In the end, I needed to hang up with the EN associate and complete my purchase with an American Express card. The associate on the phone indicated that because I bought a juice in XXXX during the morning, but was attempting to make a web purchase with a company in Minnesota in the afternoon, I likely caused a fraud alert to lock my card! 
There are XXXX upsetting aspects to this : The XXXX is that ENs credit card software is disjointed, primitive, and functional only if all variables and circumstances are pristine. Even the slightest digression from a normal credit card event ( like an XXXX resident buying a juice in the morning and then using the internet to order an item out of state ) causes their systems to fail. XXXX, none ( none! ) of the other credit cards I own have ever cancelled themselves without notice ( my previous complaint to cfpb ) or blocked my card so thoroughly that even the issuing agency could not unlock it! This indicates that EN has chosen to allow the client experience to suffer immeasurably rather than absorb unfortunate, but normal losses from credit card fraud. I can not be the only customer being inconvenienced. The thought of being overseas on vacation, or in an emergency situation and dependent on my EN credit card is now a situation I must mitigate immediately by ending my relationship with EN. 
",,Consent provided,Web,2015-04-06,Closed with explanation,Yes,No,CR1305781,1788
2015-03-28,Credit card,,Credit determination,,,,Consent not provided,Web,2015-03-28,Closed with explanation,Yes,No,CR1306112,5701
2015-03-28,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,Consent not provided,Web,2015-03-28,Closed with explanation,Yes,No,CR1305904,184
2015-03-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"A IRA account was transferred to Eagle National Bank. A transfer trustee Direct Rollover Request Form was filled out naming his spouse as beneficiary. XXXX XXXX XXXX sent a certified check to Eagle National Bank reading Pay to the order of B of A Cust for husband. Eagle National Bank issued a deposit slip dated XXXX/XXXX/14 for a deposit of {$30000.00} into an IRA account naming Eagle National Bank as Cust for husband. Husband XXXX and wife is attempting to secure the funds. Eagle National Bank claims they did not negotiate the check despite the fact the wife has a copy of the check and the deposit slip. Check was sent to Eagle National Bank in the name of Eagle National Bank cust for husband. Wife can not secure information regarding the check since she is not named on the check. Eagle National Bank was named on the check issued a deposit slip and is asking the wife to jump thru impossible hoops to secure {$30000.00} plus interest that was deposited in Eagle National Bank on XXXX XXXX, 2014. 
",Older American,Consent provided,Web,2015-04-01,Closed with monetary relief,Yes,Yes,CR1304267,961
2015-03-27,Bank account or service,Checking account,Problems caused by my funds being low,,"I 'm advocating on behalf of my limited communications skills domestic partner XXXX XXXX who opened up checking and savings accounts with Eagle National Bank in XXXX. I have co-power of attorney. 
XXXX is not XXXX 's XXXX language. He is from a remote XXXX where time virtually stands still ( few own XXXX ) so one can appreciate how overwhelming XXXX banking procedures/policies would be to such a man. Additionally XXXX is exceedingly introverted will not assert himself even when abused as Eagle National Bank did to him. Just from the monthly hard copy statements since XXXX ALONE I 've so far been able to locate he has been slammed with approximately {$3000.00} in fees!!!!! Quite likely the figure approaches {$10000.00} since the inception of his accounts. XXXX month alone saw the usurious sum of {$280.00} yanked from his shrinking net worth. He is being charged almost as fast as he can earn. Understand, that the XXXX year old XXXX is an XXXX with XXXX being his most recent occupation. 
Banks should never be as detached from their customers as Eagle National Bank is from XXXX. He and I plead for your intervention and an analysis of his accounts from their opening in hopes that XXXX might be rightfully reimbursed for the callous indifference and disproportionate depletion of his assets. 
",,Consent provided,Web,2015-03-27,Closed with monetary relief,Yes,Yes,CR1304733,3490
2015-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,"I attemeted to cash a check in my account given to me from my dad who has the same name and also had Eagle National Bank aswell. later my acouunt was closed as "" fraud '' 
",,Consent provided,Web,2015-03-27,Closed with explanation,Yes,No,CR1305425,2699
2015-03-27,Bank account or service,Checking account,Problems caused by my funds being low,,"My former bank kept my bank account open by putting and taking money out of my account so they can keep charging me fees 
",,Consent provided,Web,2015-03-27,Closed with explanation,Yes,No,CR1304788,483
2015-03-27,Credit card,,Payoff process,,"I contracted with XXXX XXXX in XXXX of 2013 to help negotiate settlements on XXXX credit card debts. XXXX went fine and the third, Eagle National Bank represented by XXXX XXXX XXXX, has been a fiasco. A written settlement agreement was made in XXXX of 2013, the XXXX XXXX settled, for XXXX {$1100.00} payments over a XXXX month period. I placed the money in escrow with XXXX financial through XXXX to guarantee payments as agreed. XXXX of the {$1100.00} payments were made as scheduled and Eagle National Bank refused the last payment and backed out of the deal. They have been billing me for the full original amount and I never received any credit at all for the {$2200.00} they accepted. I have a copy of the original agreement and copies of the cashed payment checks, I have no idea where that {$2200.00} went. The original debt amount was put into collection and passed from XXXX agency to another. Since I have already paid XXXX for their service, I have been emailing and calling back and forth in an attempt to resolve this issue as agreed. Now XXXX will not answer my calls or respond to my emails in my attempts to find out the status. I feel both Eagle National Bank and XXXX have both committed fraud and left me with the adverse effect on my credit reports which severely restricts my employment possibilities and my insurance costs. 
",,Consent provided,Web,2015-03-27,Closed with explanation,Yes,No,CR1304837,2126
2015-03-27,Credit card,,Other,,"I received a XXXX from Eagle National Bank regarding a check for {$12000.00} they sent me in XXXX of 2014 as repayment because they violated the SCRA on my credit card account while I was deployed. Upon receiving the check last XXXX, I verified with EN that the check was legitimate and asked what it was for. They said they were repaying my interest on my credit card account that I had over payed due to their error. Now I have received a XXXX for a different amount, {$9000.00}. I spoke to a representative this morning and she claimed this amount was the real amount of the overpayment and that the difference between the check and the XXXX was something akin to restitution. She said the difference was nontaxable, but the portion recorded on the XXXX was taxable. According to her, the XXXX amount was credit card interest I paid while deployed. This is fraudulent however, because I already paid taxes on that amount when I included it as primary income from the XXXX when filing taxes. They are offering no further help. 
",Servicemember,Consent provided,Web,2015-03-27,Closed with explanation,Yes,Yes,CR1304695,1711
2015-03-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,"In XXXX, 2014, my Eagle National Bank business account was compromised and more than {$1000.00} was stolen. This is the sole business account for a small business my husband and I run together, which we use to support our young kids. I discovered the fraud in XXXX, because we were moving houses when it happened. I did my banking with the XXXX. XXXX, NY branch of Eagle National Bank. When I informed them of the fraud, they put me through the wringer with multiple lengthy phone calls and long meetings at the bank, then reimbursed me for the XXXX fraudulent transactions. The representative at the bank was new and not familiar with the protocol, and the managers decided that she should learn by feeling her way through this problem, which was not fair to her or to me. 

I combed through my bank accounts, looking for other instances of fraud, with no help from Eagle National Bank. They could not provide even the most basic information about transactions, leaving me to do my own forensic accounting for hours. I discovered more instances of fraud, but the manager told me that I would not be reimbursed for anything over 90 days old. I asked for better fraud protection, such as a text alert for any transactions over a certain dollar amount. The representative told me they did not provide that and would not be doing it in the future. They repeatedly said "" It 's your responsibility to review your statements. "" Eagle National Bank is making it harder for consumers to detect and prevent fraud, then they are refusing to reimburse for older transactions. Making this difficult for the consumer is beneficial for them financially. They are making money off of their unsecure banking. 

I would like to be reimbursed for the {$400.00} charge I found that is more than 90 days old, and I would like to be reimbursed for the XXXX overdraft fee that was caused by the fraud. Equally important, I 'd like Eagle National Bank to change their policies : 1 ) Fraud is fraud, no matter when it happened, and 2 ) they need to make it easier for customers to monitor their accounts by allowing customers to set up text alerts. 

Thank you, XXXX XXXX 
",,Consent provided,Web,2015-03-27,Closed with explanation,Yes,Yes,CR1304051,9196
2015-03-27,Credit card,,Payoff process,,,,Consent not provided,Web,2015-03-27,Closed with explanation,Yes,No,CR1305099,2906
2015-03-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-03-27,Closed with non-monetary relief,Yes,Yes,CR1303993,9641
2015-03-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-03-27,Closed with monetary relief,Yes,No,CR1303899,3102
2015-03-26,Bank account or service,Savings account,Deposits and withdrawals,,"Account holder : XXXX XXXX XXXX XXXX & Eagle National Bank XXXX XXXX XXXX branch My name is XXXX XXXX, my husband XXXX XXXX XXXX XXXX XXXX and I are Eagle National Bank customers at XXXX XXXX XXXX branch and XXXX XXXX. The account in my name only, because at the time my husband and I discussed, agreed of opening "" join account '' at Eagle National Bank XXXX XXXX XXXX branch and XXXX XXXX with my name first while my husband XXXX XXXX XXXX serving in XXXX as XXXX XXXX XXXX he was unable to come to the bank together with me for open the XXXX accounts, saving and checking. 
During the time I was opening the XXXX accounts, I told the bank clerk, it is join account with my husband, family account, but my husband is XXXX, I will add his name to the account after he come home. 
Electronic transfer verification by XXXX XXXX : After we opened an account with XXXX XXXX, an account in my name but because family account hold both of us money, I handed online access to my husband XXXX XXXX, and I understood of electronic verification was after we input our Eagle National Bank account information into XXXX Bank our account record, XXXX made XXXX small deposit amounts in our Eagle National Bank, and XXXX XXXX provided screen after customers login, check box of account, click "" verify '' the next screen provided XXXX boxes for filled in XXXX small amounts XXXX XXXX deposited in our Eagle National Bank account! 
Evidences from written online line conversation, XXXX XXXX, 2015, my husband XXXX XXXX XXXX wrote included in the file attachment : - The company already call back the transfer, so ( you ) need of you going to EN morning. 
- I got email that the call back the funds and will refund soon as I return to US soil. 
- I have no way to get hold of the airfare/ Honey you accuse me wrongly because I not the XXXX stopped transfer, the company manage funds did and I will personally sue them. 
- Honey the company managing my funds caused this financial fraud, but let me come to XXXX XXXX and deal with them myself. 
Evidences showed the debit hold on my saving account for {$XXXX} is serious felony crimes of fraud committed by XXXX XXXX and my husband XXXX XXXX XXXX managing his funds company! 
XXXX, the XXXX time by telephone, XXXX XXXX XXXX on XXXX XXXX, 2015 I went in the branch met with branch manager XXXX, presented evidences of the "" Fraud Debit Hold '' originated from XXXX XXXX was felony crimes of FRAUD committed by the company manage my husband funds and XXXX XXXX, both time Eagle National Bank told me, Eagle National Bank ca n't release the hold, because the hold placed by XXXX XXXX XXXX XXXX Bank must call Eagle National Bank the same number they call for release and Eagle National Bank release the hold. I just spoke to XXXX, after I explained to him the facts, he told me to contact Consumer Financial Protection Bureau, who oversee banks operation. He also said to me, "" Eagle National Bank can release the hold, they do n't have to realize on other bank for release! "" I request Eagle National Bank immediately remove the "" Fraud Debit Hold '' Fraudulently placed on my account by XXXX XXXX and my husband company who managing his funds while he in XXXX, for us have access to our money for my husband XXXX XXXX XXXX XXXX pay for airfare to leave XXXX tomorrow, XXXX XXXX, 2015 back to XXXX XXXX, California, USA, and also for us to pay our bills for our business in XXXX. 
I appreciated for your immediately actions. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX XXXX XXXX, XXXX. ( XXXX ) XXXX 
",Servicemember,Consent provided,Web,2015-03-26,Closed with explanation,Yes,Yes,CR1302806,3619
2015-03-26,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank closed my accounts without my knowledge and has not sent out my money as promised. It has been since XXXX 2014. I had a business account : XXXX XXXX XXXX and a personal account. They owe me {$500.00} of my money which was never returned. I keep getting the run around from this bank. They claimed they sent out cashiers checks on XXXX occasions. It does n't take 6 months to receive a cashiers check. Please help me get my {$500.00} back! It was closed because of XXXX XXXX XXXX. 
",,Consent provided,Web,2015-03-26,Closed with monetary relief,Yes,Yes,CR1301910,2037
2015-03-26,Bank account or service,Checking account,Using a debit or ATM card,,"I had a charge that was charged my card as an authorization by XXXX and when i stayed at hotel as told it would drop off and decided to pay in increments for hotel stay ( {$330.00}, {$160.00}, {$890.00} ) as i did n't know how long we would be staying for whole reservation as home was n't ready to move in so we changed our reservation. After checking out i noticed my XXXX XXXX credit card had a charge for the full amount of {$1300.00} and authorization never dropped off. When this happened i contacted Eagle National Bank and dispute these and filed a claim for these duplicate charges. XXXX out of the XXXX charges were credit back as permanent credit ( {$330.00} & {$160.00} ). The XXXX was still not credited back after going back and forth with bank trying to get this resolved. The bank made errors when resubmitting and caused delays and issues with claim which was their error. In XXXX i received claim response from merchant and then was allowed to submit rebuttal for claim which i did and faxed back to bank for all XXXX amounts. How can they process XXXX but not the XXXX correctly when there all a part of same amount. They stated it was past time frame. when clearly i responded immediately when they requested along with others they gave me credit back for so it was not past time frame. I then called back in XXXX to resubmit the {$890.00} for the XXXX time. I even specified there was a XXXX XXXX statement on file showing the charge was made on another card and was never refunded. I never received any notiice of result of claim or response since XXXX. I did however receive a response for the {$160.00} amount which they stated was a permanent credit. I called the bank on XXXX to check status again. and once again they submitted claim incorrectly, did n't notify me whatsoever of any result or update or phone call for that matter. My account got closed for the - {$500.00} amount that resulted from that charge when they reversed the temp credit prior to getting my rebuttal and proof of duplicate charge. They were notified, provided every document from me and makes no sense how XXXX transactions for the same thing same stay at hotel and same charge on my XXXX XXXX can be refunded for XXXX but not the XXXX when there all the same issue. 
",,Consent provided,Web,2015-03-31,Closed with explanation,Yes,Yes,CR1302996,4041
2015-03-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I have a hard credit inquiry in my XXXX report from XXXX XXXX, 2015. I never authorized to reopen the case for a previos credit card application. I was never told that the will do a hard hit again on my credit. I only requeted to review the reason on the denial. I have contacted the bank, the don ; t believe me. I contacted XXXX, they said the bank has to do it. I want this to be removed from my credit report. I was misinformed and my credit inquiry was used without my authorization. I want to put a complaint againt Eagle National Bank. 
",,Consent provided,Web,2015-03-26,Closed with explanation,Yes,No,CR1302909,2346
2015-03-26,Bank account or service,Checking account,Using a debit or ATM card,,"I have been customer of Eagle National Bank for about XXXX years. in XXXX 2013, I was out the country for about XXXX month and realized that I had left my wallet and debit card in the taxi I had used to go to the airport and when I got back, I immidiately went to the bank to check my balances and also to report that I had lost my card. However, I was told that someone had used my card while I was out of the country and I was told that some had been using my debit card while I was away and I toldvth ed m that I was XXXX unabl ed to contact the bank and they told me to submit some kind of document that proves that I was n't here when those unauthorized transaction occurred and I did submit a photocopy of my passport and my air Fair to prove that I was out of the country. After doing all that, I called the bank to Ask them if they are going refend the amount that was taken by unauthorized person but I was told that my claim was rejected and they couldnt do anything about it. I was really angry and disappointed because they failed to resolve my issues and as a result of that, my account got terminated and now I am unable to obtain a debit card. I have reported repidetely for my claim to be reconciled but they failed to resolve the issue. I am left with biterness and dissapintment. 
",Servicemember,Consent provided,Web,2015-03-26,Closed with monetary relief,Yes,No,CR1302065,620
2015-03-26,Credit card,,Closing/Cancelling account,,"Eagle National Bank closed my account without proper notice. The card was not expired. The reason that was give to me in a letter dated XXXX XXXX, stated that the terms applicable to my account are no longer available. When I spoke to a representative I was told it was because I had not used the card in a while. XXXX different stories!!! I believe it was age discrimination. 
",Older American,Consent provided,Web,2015-03-26,Closed with non-monetary relief,Yes,No,CR1302102,2900
2015-03-26,Credit card,,Billing disputes,,"Eagle National Bank received full payment of our credit card balance of {$1100.00} on XXXX/XXXX/15. To date, XXXX/XXXX/15 our account has not been credited. I have had at least 12 conversations with Eagle National Bank. Originally B of A denied having the money even B of A confirmation number. I also have the electronic transaction information. Finally on XXXX/XXXX/15 B of A located the money and initiated a transfer to the correct account. Each time I call I receive a different date on when the account might be credited. Now B of A has billed again for the amount that was paid almost a month ago and apparently reported non-payment to the credit bureaus. 
",Older American,Consent provided,Web,2015-03-26,Closed with explanation,Yes,No,CR1302341,4019
2015-03-26,Credit card,,Other,,"I sent the below letter to Eagle National Bank for a resolution, which they denied. I believe their actions are unjust. 

I am writing you with a very heavy heart. I am extremely dishearten and dissatisfied with the level of insensitivity and lack of understanding and communications received from Eagle National Bank 's representatives regarding my closed account, now "" charged off ''. I am requesting the charge off be reversed due to miscommunications and technicality. In XX/XX/XXXX, I spoke with a representative, who I notified that I was having hardship ( became unemployed ). She notified me that my account would be charged off on XX/XX/XXXX. Being XX/XX/XXXX was on a Saturday ( weekend ). I paid the bill on Monday, XX/XX/XXXX, which was paid the next business day, XX/XX/XXXX. I had no idea my account would be charged off on a weekend and neither was I explained this information in detailed. 

Additional information : I also was told that I had a cease and desist order on my account, which too was puzzling. I never requested a cease and desist and was never told such an order would be put on my account when requesting not to contacted via telephone. Today, XX/XX/XXXX, the represented mentioned that the cease and desist stopped all phone calls and correspondence, which I would have never agreed to. Requesting not to receive phone calls is totally different then not receiving mail. I never knew there was an issue until now, because I was still receiving my monthly statements. Therefore, I did n't get any reminder notice for the upcoming charge off or notice of the actual charge off or any notice pertaining to this cease and desist order that I did not consent to. 

I have had several hardships during the course of this account from being unemployment several times, XXXX, newborn ( a bundle of joy, nevertheless a financial adversity ), accepting a XXXX "" only '' XXXX position, which was insufficient, thus having to move in with my mother, then recently in XX/XX/XXXX, becoming unemployed again. Through it all, I did the best I could. Now, that I have almost completed my payment in full, it is quite unfair and disappointing to receive a charge-off on my account for a difference of XXXX days, of which XXXX were weekend days. Furthermore, I never receive any notification pertaining to this charge-off, due to the above mentioned unauthorized communications disconnect. I thought Eagle National Bank was in the business of helping people and that Eagle National Bank would much rather see me pay my bill and build up my credit vs. damage my credit with a derogatory "" charge-off ''. 

I am asking that you have compassion, thereby reversing the charge-off on the aforementioned account, in so doing allowing me to pay my outstanding balance in the amount of {$1200.00} without such a steep penalty. I really like Eagle National Bank and hope to be a customer again, when my financial situation changes for the better. 

Thank you kindly for your consideration, time and immediate attention to this matter. Providing you require additional information, please feel free to contact me. 
",,Consent provided,Web,2015-03-26,Closed with explanation,Yes,Yes,CR1302268,6052
2015-03-26,Credit card,,Unsolicited issuance of credit card,,"I want to make you aware of the VISA and MC "" VAU '' Visa Account Updater and for Master Card, The Automatic Billing Updater or "" ABU '' Programs. These are Programs whereby if you report your card lost or stolen, issuers of credit cards automatically issue your new credit card number to merchants that request it when you have a monthly billing or "" continuity '' subscription with that merchant. They do this without asking or notifying you. They are in essence giving your number to a third party without your consent. In my situation, a fraudulent billing account was set with an online Merchant named XXXX. I was unable to get any redress from the Merchant as I did not create the account and could not provide them an account name or number to cancel. It was set up fraudulently. I called my card issuer ( BofA ) and they canceled the account and issued a new card. A month later the same charge showed up on the new card. BofA again cancelled the card and issued a new one. Its now 3 months laster, I am on my XXXX card and again the merchant charged my card without any contact from me. Someone is providing them the new card number to continue billing me erroneously. The problem lies in the fact that VISA, MC and all major banks like BofA have this program that provides the merchant the new card number to ensure a smooth transition to KEEP BILLING THE CONSUMER even after they have filed a fraud report. I find it incredible that BofA Fraud department keeps taking my fraud report, changing my card but VISA keeps giving out the new card number to the merchant without my approval. I am stuck in a never ending cycle of fraud, perpetrated by the bank and VISA and my only recourse is to cancel my relationship with the bank. 
This is a Bad financial policy. I urge the CFPB to investigate the financial industry giving out personal financial info without my consent. 
",,Consent provided,Web,2015-03-26,Closed with non-monetary relief,Yes,No,CR1302024,442
2015-03-26,Bank account or service,Checking account,"Account opening, closing, or management",,"Eagle National Bank is and has been improperly charging services fees to a checking account. 
",,Consent provided,Web,2015-03-26,Closed with monetary relief,Yes,Yes,CR1301655,3079
2015-03-25,Bank account or service,Savings account,Deposits and withdrawals,,"My name is XXXX XXXX, I am a customer with Eagle National Bank. I am a service connected XXXX veteran with XXXX XXXX issues. I was waiting in line at the XXXX XXXX branch in the XXXX, NY XXXX XXXX XXXX, after 30 mins. on line the bank got really crowdedI started XXXX real bad. asked the manager if he'ed show me the same courtesy as the XXXX women before me. letting him know what my problem was, he told me that service is for physically XXXX. I stepped to him and showed him my shaking hands and said do you need to see my XXXX. He took it as a threat and locked himself behind the counter and called the cops. when asking him to help me, he said if I want to get help I 'd have to get back in line. XXXX came and was very courties to me and understanding, they even asked the manager to serve me and he refused. A XXXX can also create a XXXXy 
",,Consent provided,Web,2015-03-25,Closed with explanation,Yes,Yes,CR1300172,3524
2015-03-25,Bank account or service,Checking account,Using a debit or ATM card,,"On XXXX I noticed that my Eagle National Bank account was in the negative, and that an overdraft protection fee had been applied to my account without any charges prompting a negative balance. Essentially we were charged for an overdraft fee when our account was not in the negative ; this fee then caused our account to be taken into the negative. We were given an overdraft transfer feel when our account was n't actually over-drafted, and this fee ultimately created a negative account. 

My husband, who shares the account with me called Eagle National Bank to inquire why they would post the charges this way ( some past charges were not posted in real-time ) he was told that the transactions could be deceptive but were unwilling to refund the {$10.00} overdraft fee which caused our account to go into the negative -- when there was NO need for the overdraft fee to be applied in the XXXX place. 
",,Consent provided,Web,2015-03-25,Closed with explanation,Yes,Yes,CR1300386,1371
2015-03-25,Bank account or service,Checking account,Deposits and withdrawals,,"Went to a Eagle National Bank in XXXX XXXX XXXX and XXXX XXXX as an active customer with a government check and they would n't cash because of the way I looked then I went to every bank in the area as a non customer and even from where the check was drawn and still could n't then returned mad as still the customer and then after screaming at what the mgr woman with XXXX they then did 
",,Consent provided,Web,2015-03-25,Closed with explanation,Yes,No,CR1300249,50
2015-03-25,Credit card,,Closing/Cancelling account,,"I called EN to settle an outstanding debt for XXXX. I was driving during the call and offered to call back when I raised the money no later than XX/XX/XXXX. I was told no problem. A week later EN called me back and asked for an additional {$76.00}. Confused they said they did not get the post dated payment. we review the previous call and they agreed to take the money but no post dated payment. There were 2 more calls saying the settlement was denied because they did not have a source of the money which my wife was giving me. She was borrowing from another source. I explained my business was sold and i was left with XXXX in debt and was denied unemployment at this time. I am trying to settle an pay all my bills instead of filing bankrucpy. So they agreed and now 3 days later we got another call saying the settlement was denied unless we pay an additional {$76.00} more again. 
",,Consent provided,Web,2015-03-25,Closed with monetary relief,Yes,No,CR1299833,4597
2015-03-25,Credit card,,Privacy,,"My husband and I have a Eagle National Bank Visa account My Name is XXXX XXXX XXXX XXXX XXXX XXXX has a XXXX XXXX Card and they confuse our XXXX names. Three years ago they had her information linked to our account. At that time I took this to the local branch to have it resolved. Last week I received a e-mail addressed to XXXX XXXX XXXX in regard to the branch visit on XXXX XXXX, 2015, I called to Eagle National Bank fraud division and they stated she gave them our e-mail address., I 'm sorry but our e-mail is very different and not many people know the name. When I tried to take the survey to correct this and tell them that I did not visit the branch they gave me a pass word assume to XXXX XXXX XXXX account. We do not know if they have given our information out to this lady. How can a person be assured that this is not the case 
",Older American,Consent provided,Web,2015-03-25,Closed with non-monetary relief,Yes,Yes,CR1300829,2773
2015-03-25,Credit card,,Late fee,,"This dispute centers around credit card debt which I incurred beginning in XXXX XXXX and which Eagle National Bank ( BofA ) charged off in XXXX XXXX. Following charge-off I continued to repay the principle amount outstanding until it was fully satisfied in XXXX XXXX. Subsequently I discovered that BofA had unlawfully assessed interest and fees of at least {$15000.00} to my account post charge-off. I have requested repayment from BofA which has been denied. Even by BofA 's own accounting I have overpaid the bank by {$510.00} which has yet to be returned to me despite the company 's statement in the attached letter that I would receive a refund in "" seven to ten business days ''. Attached are all the relevant documents which I have been able to find. Curiously BofA has been unable to supply any proof of a debt. 
By way of background, since I initially believed the collection agents owned the debt in question I filed a complaint with the CFPB against those agencies ( Case Number : XXXX ). However, through that process I discovered that despite being told otherwise for years, BofA had in fact never sold the debt. It is through this complaint that I am requesting to be repaid by BofA either the entire {$45000.00} collected until such time as BofA can verify exactly what is owed, or in the alternative I am asking for the {$15000.00} in interest and fees which I believe were illegally assessed to my account. 
After completing graduate school in XXXX and following the tech crisis and tragic events of XXXX XXXX I was unable to find continuous work for a period of years. Debt laden and without work, I fell behind on my credit card payments and eventually my account went into charge-off status in XXXX. Over the ensuing years the account was transferred to a number of collection agencies including XXXX XXXX XXXX, XXXX XXXX and XXXX and XXXX. At all times I fully intended to repay the debt as soon as I was employed. In fact, I began repaying the collection agencies in XXXX and continued these monthly payments until I had satisfied the amounts allegedly due in XXXX. Throughout that time I repeatedly asked BofA 's agents to confirm the amounts owed and the legal owner of the debt. I was uniformly told that BofA had transferred the debt and that no fees or interest had been charged to the account post charge-off. However, no proof could be supplied. Believing I had no recourse I continued to make payments until the full amount requested had been satisfied. 
In XXXX, while cleaning out old papers I found a statement from XXXX XXXX which I had somehow previously overlooked. The statement clearly shows that interest and fees had been assessed to my account post charge-off. The statement attached to this complaint shows attorney 's fees of {$6000.00} and interest of {$9500.00} all of which was assessed to my account after it was charged off. 
However, despite being assessed these fees I never received a statement from BofA showing fees or interest being added to the principle due. In fact, post charge-off BofA stopped sending any statements to me. Importantly this fact is not in dispute. BofA admits it charged interest and fees to my account but amazingly can not tell me how much. Furthermore, in conversations with its representative XXXX XXXX, BofA acknowledges that it stopped sending statements once the account was charged off. As such, under the Truth in Lending Act BofA had no right to assess these amounts to my account and should be forced to return them. 
Since I can only demonstrate that {$15000.00} of interest and fees were assessed I am asking for that amount to be returned immediately. However, since BofA can not verify the debt in any fashion I would also ask that they return the entire {$45000.00} paid to them until such time as they can demonstrate exactly what is owed. 
",,Consent provided,Web,2015-03-25,Closed with monetary relief,Yes,No,CR1299920,1847
2015-03-25,Bank account or service,Checking account,Problems caused by my funds being low,,"I am a Eagle National Bank account holder. I receive overdrafts for what I believe are not fair practices. If I make a charge that will overdraft my account, it is put in pending. If that same day or the next day that I notice it, I make a deposit, that same deposit is put as pending. When they clear, even if cleared the same day or the deposit clears prior to the expense, an overdraft fee is assessed. 

Additionally, it becomes difficult to track because of the disjointed design of the banking statements and online account view. 

The statement separates deposits, expenses and daily balances. The online view will show as things clear ( my account has not gone negative according to just the last week, yet I 've been charged almost {$200.00} in overdraft fees ). 

I attempted to speak to EN about this and they refuse to acknowledge the usurious nature of these practices. 
",,Consent provided,Web,2015-03-25,Closed with explanation,Yes,No,CR1299958,2659
2015-03-25,Credit card,,Late fee,,"I am being harassed by Targets REDcard I had only XXXX charge on the card for aprox {$66.00} dollars around XXXX of last year thats when I realized it was a mistake to do business with Target. They said i was late so i owed them 35 dollars on my 66 purchase I paid the 66 and at the same time communicted to them through my credit account electronically to request that they remove the 35 dollar fee/fine/extortion as the cost of doing business with them, they apparently do n't check there e communications because i waited and waited for a reply and never got XXXX, XXXX they charged me 35 fee/fine/extortion again for not being a obedient XXXX so now they said i owed them 70 on my original purchase of 66 which i had paid, they finally reply to my e communication in XXXX asking me to call them. so i called them and i was told a supervisor would call me back which they never did but then i started getting robo calls from them but when you answered them they wouldnt connect. now by XXXX they added another 35 dollar fee/fine/extorion so now i owed {$100.00} on my original purchase of {$66.00} which i had paid in full months ago, they say they chancelled my card but they keep adding 35 dollars to it and apparently i also have to pay interest on their fees/fines/extortions. so a few days ago i called and talked to a team member who said they couldnt do anything now but they could have removed the original fee in the first month, they also claim not to have received any e communications from me even though i have the saved email resonse in my email account. now they have locked my credit account so i ca n't view my bill online??? totally disablied it but they now send me emails to log in??? I know now what the red target means 
",Older American,Consent provided,Web,2015-03-25,Closed with monetary relief,Yes,No,CR1299621,2555
2015-03-25,Credit card,,APR or interest rate,,"The Target department store is refusing to comply with the SCRA federal law practices by decreasing my interest rate and reimbursing me for all late payment, and for all interest rate amounts charged that were over 6 % for the duration of my spouses XXXX. 
",Servicemember,Consent provided,Web,2015-03-25,Closed with explanation,Yes,No,CR1299829,225
2015-03-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,Other,Web,2015-03-25,Closed with explanation,Yes,No,CR1300029,4545
2015-03-25,Credit card,,Transaction issue,,,,Consent not provided,Web,2015-03-25,Closed with monetary relief,Yes,No,CR1301972,2806
2015-03-25,Credit card,,Other,,,,Consent not provided,Web,2015-03-25,Closed with explanation,Yes,No,CR1299657,1518
2015-03-25,Credit card,,Other fee,,,,Consent not provided,Web,2015-03-25,Closed with monetary relief,Yes,No,CR1300877,4372
2015-03-25,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-03-25,Closed with explanation,Yes,No,CR1299841,464
2015-03-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-03-25,Closed with explanation,Yes,No,CR1299888,3695
2015-03-24,Bank account or service,Checking account,Deposits and withdrawals,,"I worked in the XXXX for XXXX years during the XXXX. I was entitled to a Social Security ( Pension payment ) which is paid into my Eagle National Bank XXXX Checking account.. 
I am now living in the XXXX XXXX XXXX years old and have experienced major XXXX XXXX recently.Because of my XXXX situation I need to transfer money money to the XXXX. 
A simple wire transfer XXXX would assume, not so, I can not transfer more than {$1000.00} without purchasing "" XXXX '' but to do that I need a XXXX mobile phone number which of course I do not have. 
I have spent literally hours on the Telephone trying to resolve the situation all to no avail, the only avenue open to me is to write myself a check which I am told will take XXXX weeks at least and with Eagle National Bank response to date I do not have a great deal of confidence 
",Older American,Consent provided,Web,2015-03-24,Closed with explanation,Yes,No,CR1299751,3045
2015-03-24,Bank account or service,Checking account,"Account opening, closing, or management",,"In 2013, I lost my wallet in which my bank card was enclosed. Fraudulent activity occured on my account which placed my bank account in jeopardy. Filed a police report, stating my card was lost and that someone had charged my card in the amount of {$2800.00} dollars through credit. Notified EN ( Eagle National Bank ) of the transaction and submitted reference number from police report. Eventually my claim was accepted and EN brought my balance back to {$0.00} or the amount that I had on my account orginally. My account was closed. Attempted to open up another account and EN refused and told be to notify the consumer credit bureau under FDIC. Attempted to open up an account with XXXX Bank but they refused also. 
",,Consent provided,Web,2015-03-24,Closed with non-monetary relief,Yes,No,CR1299760,9997
2015-03-24,Bank account or service,Checking account,Problems caused by my funds being low,,"The branch manager at Eagle National Bank in XXXX XXXX is in desperate need of XXXX followed by retraining as to her obligations as a manager, fiduciary representative and customer service provider. XXXX the branch manager not only lacks basic mediation skills that are required of such a position but also the knowledge to adequately perform her duties. She was rude, uncouthed and seemed to be uneducated in basic fiduciary duties. A seemingly simple transaction turned into a 5 day hassle with XXXX roundtrip visits to the actual branch and 3+ hours additionally in telephone transactions. In all of this may i add she never bothered to return a single phone call or respond to the XXXX meshes i left her. In the end, my actions on good faith were of no consequence causing only frustration, financial expense, a XXXX hold of my funds AND she got a new account out of me! The attempt to validate my less than satisfactory experience with Eagle National Bank on XXXX XXXX, XXXX XXXX, CA. left me only MORE disgruntled. These people obviously care less than an iota for the people they claim they aim to serve. 
",,Consent provided,Web,2015-03-24,Closed with explanation,Yes,No,CR1299766,4446
2015-03-24,Credit card,,Late fee,,"I have a credit card that is with Eagle National Bank it has been on auto pay for years. The auto pay did not happen in XXXX. I was not aware of why because I did not stop the auto pay. Eagle National Bank Charged me a late fee due to none payment. After calling Eagle National Bank and speaking to the bill pay department, the online department the credit card department and transferred back to online banking I was told that there is a system upgrade that caused an issue. However they still charged the fee and could not confirm that the auto pay was going to happen in XXXX. If they knew there was a system issue why would they not auto correct the issue instead of charging the fee? Because they want to XXXX from people and hope they do n't complain. It took XXXX minutes out of my day and no department took real responsibility they are making it difficult so that people give up and they can collect fees they should not even have charged. 
",,Consent provided,Web,2015-03-24,Closed with monetary relief,Yes,No,CR1297624,715
2015-03-24,Credit card,,Customer service / Customer relations,,"Was subject to credit card fraud. BankAmerica closed the account and sent out a card for a new account. The new card was sent to someone else at a different address. Then they were supposed to send it to me at my office. Again they sent it to the wrong address. At no time was a signature required. I paid the balance ( not including the disputed amount ) in full on time. They could n't manage to post that to the new account. But they had no trouble moving over the balances owed. When this was brought to their attention, they agreed they got the payment and would move it over. But they would not issue a corrected statement to me. Claimed they could n't. And if they could they could n't email or fax it to me. Prior to BankAmerica buying XXXX it was able to do these sorts of things. After being put on hold for 30 minutes XXXX different times, I finally spoke to XXXX XXXX who claims she is the head of their service center and she reports to no XXXX outside of the chief corporate officers of BankAmerica. She again refused to send me a corrected statement showing the payments I had made. To say the least I will be closing my BankAmerica credit card and will find XXXX that has no connection whatsoever with BankAmerica. Not that I expect customer service anywhere else to be any better. Are n't we glad all of these banks are too big to fail. 
",,Consent provided,Web,2015-03-24,Closed with explanation,Yes,Yes,CR1298273,836
2015-03-24,Credit card,,Billing statement,,,,Consent not provided,Web,2015-03-24,Closed with non-monetary relief,Yes,No,CR1299770,3280
2015-03-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"As a loyal customer of B of A for over forty-five years and a XXXX for almost twenty I have been treated in a most unfair, dishonest and non-compassionate manner not in XXXX situation but in XXXX. 
As a XXXX and XXXX with a XXXX I was using dial pay to take my customer 's credit cards during my annual trade shows. This was proving too slow and my customers suggested I move to XXXX. Being a loyal customer of B of A I instead moved to using their device that plugs into a Smartphone so I could swipe credit cards. Apparently when I changed from dial pay to this device I was in a contract for three years. This was not explained to me at the time. I assumed I was just moving from one way of inputting my sales to another. I had been a merchant for many years so it just made sense to upgrade. The man who signed me up did n't warn me that I would have to stay with this system for a set amount of time or be penalized {$500.00} for stopping- I would not have agreed. 
XXXX. In XXXX XXXX my husband passed away. When I returned to the States in XX/XX/XXXX I went to the bank to take him off of the account. At the same time my bookkeeper of more than twenty years lost her husband and moved into XXXX and it was clear had XXXX. Unbeknownst to me she had not been paying my bills or dealing with bank business as she had always promptly done in the past. 
So in XX/XX/XXXX I signed a new bookkeeper onto my account to take care of my business while I am out of the country. I left the States and then we started to get letters saying that my account would be closed on XXXX XXXX, XXXX if I did n't comply with submitting a DBA with the bank. We tried to contact the bank and ask for an extension since I would be returning to the States XXXX XXXX. First the woman who wrote to us was out of the office for a period of time and when she got back to us she said the bank would not extend the deadline because they had contacted me several times. This was not true. I did not receive anything about this prior to the letter saying my account would be closed if I did n't comply. Furthermore we were told that the bank had talked to me in XX/XX/XXXX. In XX/XX/XXXX I was out of the country and I did not receive a call from the bank. It 's possible my former, now demented bookkeeper, received a call and promptly forgot about it as happens with XXXX. All of this was explained to the Bank but still they would n't extend the deadline. 
As a XXXX with my name as part of my XXXX I do n't need a DBA in California but still I tried to do this long distance. It proved impossible. Furthermore in XX/XX/XXXX the bank charged me {$100.00} with no explanation. We called the bank several times but no one could tell us what this charge was for. It was never removed. 
Once the bank account was canceled there was Merchant Services ( MS ) to cancel. I called in XX/XX/XXXX and spoke to a man ( unfortunately I did n't get his name ) and he said he would close it. Then in XX/XX/XXXX I found out it was n't closed after all. 
I called XX/XX/XXXX and spoke to XXXX. She asked me questions I could n't immediately answer. I was getting pretty angry by now over the whole situation. I asked to speak to the supervisor and got XXXX who asked questions that would take time to find out. Next time I got XXXX. I answered the questions so I could close my Merchant Services Account but then XXXX told me they would be charging me {$500.00} for early contract cancellation. By now I was livid and having a difficult time keeping calm. This feels so utterly unfair! First the bank closes my account for not presenting a paper I do n't need and now this fine of {$500.00}! 
",,Consent provided,Web,2015-03-23,Closed with explanation,Yes,No,CR1296186,1620
2015-03-23,Bank account or service,Checking account,Deposits and withdrawals,,"I deposited a third party check into my account through an A.T.M machine at my financial institution Eagle National Bank on XX/XX/2015 for the amount of XXXX {$.00} The receipt stated that there would be a two day hold on the check. I waited for three days and started to pay some bills trying to pay off credit card debt. Through the course of the day it was brought to my attention that my bank was not honoring or paying for any more transactions. Confused I looked at my account and saw that the large check deposited three days from that point had been "" reversed ''. I called the bank and actually was able to talk to someone at the very store we bank at ( This has never happened before, in the past we are connected to someone in XXXX to try to resolve questions because no one at the bank answers the phone ). I asked the person answering to look into the matter and he told me that because it was a third party check and they usually do not accept third party checks that a COPY of the check was being sent to our house and only after we recieve the copy would we be in the position to "" what action could take place from there ''. I waited three days and called the bank again asking them to look up and see when they sent the copy because I was incurring overdraft fees every day from them and I needed to rectify this situation. I was told that he did n't know when they sent it out but they had up to 10 days for it to arrive. I asked if I could come and get the check from them and was told no I could not because they no longer had access to it. This is our money, there is no dispute with the legitimacy of it and meanwhile because they are keeping the money that should be in my account I have over drafted and am getting hit with fees every day. Is there any way you can help me get this check so I can take it and open an account at another facility? 
",,Consent provided,Web,2015-03-23,Closed with explanation,Yes,No,CR1297567,202
2015-03-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"On XXXX XXXX, XXXX I received a Credit Alert from XXXX advising me that Eagle National Bank filed a 120 day or more days late on my credit report. I do not have an outstanding loan with Eagle National Bank and the loan I had was paid off to a XXXX balance on XXXX XXXX, XXXX. I do not owe Bank America anything and I do not understand why they are or feel they can report any information to credit agencies on a closed account. 
",,Consent provided,Web,2015-03-23,Closed with explanation,Yes,No,CR1297077,3204
2015-03-23,Bank account or service,Checking account,Problems caused by my funds being low,,"The attached letter to the XXXX of the Eagle National Bank gives an actual account of my recent interaction with the bank. The bank should not be allowed to change the terms of my accounts with them at will and charge me fees at will 
",,Consent provided,Web,2015-03-23,Closed with explanation,Yes,No,CR1296434,2709
2015-03-23,Credit card,,APR or interest rate,,"I applied and was approved for a Eagle National Bank XXXX credit card in XXXX XXXX. The terms and conditions I received from EN with my credit card specified that I had a 0 % introductory APR on purchases made prior to XXXX XXXX. All purchases made after XXXX XXXX would be subject to the standard APR. I searched the remainder of the T & C 's document to be certain the balances remaining would not be subject to the increased APR, and nothing on the terms and conditions indicated that purchases made during the introductory period needed to be paid in full prior to the end of the introductory period. I was very pleased and adjusted my spending accordingly. 

I received XXXX notification advising that my terms and conditions had been adjusted ( in XXXX XXXX ), but that notification did not reference the introductory APR. Each of my bills notified me that the introductory period would expire in XXXX XXXX, but that was no surprise to me. I knew purchases made after the introductory period would be subject to an increased APR. I used my entire limit prior to the expiration of the introductory period, but was quite surprised when I noticed a {$90.00} interest charge in XXXX of XXXX. 

I immediately called Eagle National Bank and was told by the representative that EN only sent me the short form of their terms and conditions, but the long form ( viewable by EN employees only ) included language that specified balances carried forward would be subject to an increased APR. Naturally, I was quite frustrated to learn that EN intentionally misled me by giving me an abbreviated contract that left out critical details like this. He agreed and credited the {$90.00} with the promise that future interest charges would be investigated and adjusted to honor the terms and conditions. 

Now it is XXXX of XXXX, and the majority of the balance remaining on my card is erroneously charged interest. Eagle National Bank never responded to the request from XXXX XXXX, and they refuse to credit my account the interest charged on purchases made from XXXX XXXX - XXXX XXXX. 

The terms and conditions available on their website now ( presumably those that new card holders receive ) read much differently than those provided to me as they indicate the inroductory APR only applies to the first XXXX billing statements. I wish I received those terms. Had that been what was represented to me when I secured the card, I would have managed my spending accordingly. 
",,Consent provided,Web,2015-03-23,Closed with explanation,Yes,No,CR1296870,2663
2015-03-23,Credit card,,Credit card protection / Debt protection,,"I looked at my credit card account ( B of A ) visa card on XXXX/XXXX/2015. There was acharge from XXXX, a web site I had never visited or bought anything. I contacted bank & they will issue me a new card. I suspect that this may be a web site for fraudulent credit card transactions. If so & it will help others if it were shut down. 
",Older American,Consent provided,Web,2015-03-25,Closed with non-monetary relief,Yes,No,CR1296790,16
2015-03-23,Credit card,,Late fee,,"In XXXX, 2015, Eagle National Bank performed an update to their systems ( as per the representative at Eagle National Bank ). The representative explained that as a result of the update, this caused XXXX and stored sources of customer payments ( such as checking accounts ) to be erased. 
I was not aware of this issue until I received a notice from Eagle National Bank that XXXX of my credit card accounts payments was past due. It ended up being the account I had set up on auto-pay years earlier, and the payments were always made on time ( the amount of payments above the minimum payment amount ). 
When I called Eagle National Bank customer service number at XXXX about the late fees they assessed, they directed me to call their auto pay department at XXXX. 
I contacted the auto-pay number and spoke to XXXX. He advised me he would be able to reverse the {$25.00} fee. 
",,Consent provided,Web,2015-03-23,Closed with explanation,Yes,No,CR1295343,2231
2015-03-23,Bank account or service,Checking account,Problems caused by my funds being low,,"I was charged overdraft fees on my checking account, when at no point did I have insufficient funds to cover transactions. In fact, the fees charged are what caused the overdraft. When I called to speak to customer service, I was put on hold for 23 minutes at which point I hung up. I then called my local branch ( XXXX ) and was told by the individual on the phone that according to the "" dark side '' the posting of the transactions and fees caused the overdrawn status. I want the {$140.00} back that was taken from me. My on line banking does not show any negative balance at all, funds were sufficient, so I am unsure as to what "" dark side '' the individual was referring to. 
",,Consent provided,Web,2015-03-23,Closed with monetary relief,Yes,No,CR1296353,4472
2015-03-23,Credit card,,Rewards,,"I applied for and received a Eagle National Bank credit card in XXXX 2014. The card promised unlimited cash back on grocery store spending for six months. When I tried to use the card for several XXXX purchases, they placed my account under review. When I called the fraud department, I verified all attempted and completed charges, paid my bill in full, so no fraud risk. My account has been under "" review '' for 6 weeks now with no explanation and not released for use. I have called XXXX times and get no explanation or a call back to tell me what is exactly under review. I believe Eagle National Bank is employing this tactic to prohibit card holders from utilizing their advertised rewards program maliciously. 
",,Consent provided,Web,2015-03-27,Closed with explanation,Yes,No,CR1296346,3675
2015-03-23,Credit card,,Advertising and marketing,,"I signed up for the Eagle National Bank Easy Rewards Credit card because they offered a introductory 6 months where gas, groceries, telephone, dining, utility payments receive a XXXX % rebate. During the first month of using the card, I 've had a difficult or unreliable time using this card to make purchases inside the pharmacy of my local grocery store to buy my medications. The purchase amounts for these transaction could vary from $ XXXX to $ XXXX, but nearly every time they get blocked as "" not authorized '' when I go to swipe it. I called the customer service many times and talked to their fraud department and they stated that there was a "" merchant block '' for this merchant and suggest that I use a different credit card to make these purchases. Even some small purchases such at grocery stores for $ XXXX gets blocked for the same reason as stated above when I called to find out why such a small transaction amount was not going through. I strongly feel that it 's disingenuous to advertise or offer a XXXX % cash back at grocery stores when the card issuer blocks these merchants. I can provide proof of the advertisement, which let me to sign up for the credit card as well as transcripts of telephone conversations with the fraud department stating why my purchases are getting declined. 
",,Consent provided,Web,2015-03-23,Closed with explanation,Yes,No,CR1295550,10997
2015-03-22,Bank account or service,Checking account,"Account opening, closing, or management",,"I checked my Eagle National Bank account today and noticed that my account has been charged {$48.00} in XXXX installments since XXXX. I was never notified. I called the account services and they were rude and unhelpful. It is my money, I should be notified before any deductions are made on the account even if policies change. I have had the account for over XXXX years and now starting from XXXX, I have been charged {$12.00} XXXX for maintenance fees. I feel this is rubbing me of my money without notifying me. I will need my money back. 
",,Consent provided,Web,2015-03-22,Closed with explanation,Yes,No,CR1294916,4334
2015-03-22,Bank account or service,Other bank product/service,Using a debit or ATM card,,"I received a letter from XXXX with a debit card of {$50.00} representing a rebate because of prior repairs made to my XXXX Ford Taurus. The letter stated that if I did not want the debit card I could call XXXX to request a check of {$50.00} and cancel the debit card issued by the Eagle National Bank. I paid for the Ford repairs in US legal tender and since I am entitled to a rebate I want my rebate in US legal tender and not in the form of a debit card issued by the Eagle National Bank. I called in XXXX XXXX and cancelled the card and the customer representative from the Eagle National Bank said that I would have the {$50.00} refund check in XXXX days. In the meantime the debit card was cancelled. I have not received the check and it has been 4 months and I have made numerous inquiries with the Eagle National Bank and each time they say the check will be in the mail within 7-11 days. My XXXX communication was on XXXX XXXX, XXXX and the supervisor, whose XXXX name was XXXX promised that a check would be in the mail within 11 days. The check has not been received. I want my {$50.00} check in lieu of the debit card which was cancelled. I am tired of making telephone calls and being ignored. The number of the original debit card which was cancelled is XXXX expiration XXXX ccv XXXX XXXX XXXX 
",Older American,Consent provided,Web,2015-03-22,Closed with explanation,Yes,No,CR1294971,1484
2015-03-22,Bank account or service,Checking account,"Account opening, closing, or management",,"I went to open an account at Eagle National Bank and the lady entered in all of my information and I was denied an account and given a phone number to call, I called the number and it was Eagle National Bank 's "" risk department '' they stated that I had previously had a Eagle National Bank account and it had been closed, I informed them I had NOT had a Eagle National Bank account and I am a XXXX ( I am and have been dealing with it since 2009 ) and the man said that it did n't matter my police report and affidavit would make no difference and I would NEVER be allowed to have an account with Eagle National Bank because the account opened by the XXXX had been closed. When I was filing my XXXX police report the packet they gave me said that no creditor or bank could hold being a XXXX against me because it was n't me. He was extremely rude and since it is illegal to hold XXXX against someone I would like something done about this it is n't my fault someone XXXX and it has been headache enough. The fact that he said I exposed myself to XXXX and that alone made me too risky is extremely offensive considering my XXXX after I got robbed XXXX and the guy stole my wallet. 
",,Consent provided,Web,2015-03-22,Closed with explanation,Yes,Yes,CR1294802,1669
2015-03-22,Credit card,,Customer service / Customer relations,,"I have had XXXX issues with Eagle National Bank this month. First, there was a fraud case, which originated within Eagle National Bank, in which an employee printed themselves a duplicate of my credit card and used it for large purchases. After the fraud was discovered, I had to follow up several times to get all the charges reversed. The second problem, which is ongoing, is that Eagle National Bank lost my next payment - for {$400.00}. - paid on XXXX XXXX, 2015 as an online payment from my bank account. I have complained 3 times, and each time, they say it will be fixed shortly, but it is now 18 days since the payment went missing, and it is still not applied to my account, though each time they say they have found the payment in their system. The representative I spoke with today said that no action had been taken on it previously to fix it. The last representative I spoke with said that it was a problem affecting many people, and she had had many complaints about the same situation that very day. They also charged me late fees for the "" missing payment, '' saying my account had not been paid on time. They also threatened to raise my interest rate as a result of the late payment. Please help me get my missing payment back from Eagle National Bank and help me resolve this situation. Very frustrating! 
",,Consent provided,Web,2015-03-22,Closed with monetary relief,Yes,No,CR1295017,3349
2015-03-22,Credit card,,Billing disputes,,"On XXXX/XXXX/XX/XX/2015 at XXXX a recorded conversation was started between myself and a customer service rep from Eagle National Bank XXXX At XXXX point she had a supervisor there asking questions and providing answers. The phone call was recorded and was over XXXX minutes in length. After months of calls, this representative was helping me. She said that if I made an additional payment of {$23.00} ( details are on the phone call ) that she would waive the late fee for XXXX that was placed on my account because I was XXXX day late. As an aside, I have not received paper or electronic statements from Eagle National Bank in quite some time. Because I have been calling to dispute the late charge for months and only paying the previous minimums due ( {$25.00} ), Eagle National Bank kept adding late fees and past due amounts. ( They added a late fee for XXXX, in XXXX, because I did n't pay the late fee, the considered the XXXX late fee a past due amount, and another late fee ) On the phone call with the representative and supervisor on XXXX, the was an agreement made to resolve the issue. They agreed on a recorded line that if I paid an additional {$23.00} ( I already paid the minimum of {$25.00} ) that day ( I did and have proof ) that they would waive the late fee for XXXX. This meant and they agreed that there would be NO late fee that carried into XXXX and therefore no past due amounts or subsequent late fees because I had made been and kept making the minimum payments due on time. After hanging up and making the payment, Eagle National Bank NEVER made the changes and returned my account to "" in good standing ''. They LIED. I called to complain and went into a branch as recommended a long time ago but a credit card rep of Eagle National Bank to launch an official complaint. Eagle National Bank has refused to pull the phone call and do what was agreed upon. They are still charging my account with past due amounts which should not be there. They are also ruining my credit. I do not owe additional hundreds of dollars for being 1 day late and yes, I have proof that I made payment 1 day after the due date. 
",,Consent provided,Web,2015-03-22,Closed with explanation,Yes,Yes,CR1294839,174
2015-03-22,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-03-22,Closed with monetary relief,Yes,No,CR1294928,433
2015-03-21,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,"I just had the worst experience with a bank branch manager. I was trying to cash a check from my dad and XXXX who says she 's a branch manager refused the cashed the check. I told her that I would file a complaint and remember her name and instead of acting in a professional manner and controlling the situation she decides to scream out that I was a fraud in front of all the customers. I think it 's very rude, and she was speaking to me in a very very condescending manner and its very unprofessional of her that she would accuse me of fraud and not call and verify with my dad on the phone and also accuse me of a theif in front of everyone. I have no reason to steal my dad is a XXXX and does n't know XXXX and I 'm trying to help him pay his bills while these people are accusing me of fraud. She was so unprofessional I thought I was in the hood not at Eagle National Bank. I do n't know what type of people is representing the company. 


XXXX XXXX Manager atEagle National BankXXXX XXXX XXXX XXXX, TX XXXX 
",,Consent provided,Web,2015-03-21,Closed with explanation,Yes,No,CR1294735,12890
2015-03-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"My complaint is regarding a late fee Eagle National Bank ( EN ) has fraudulently assessment on my account. I have spoken to an account representative and her manager about this issue today XXXX/XXXX/15 and was advised it assessed because my payment was processed at a certain time. For all I know the reference number for my complaint with them is XXXX, XXXX and XXXX. 

According to my monthly statements Late Payment Warning, if they do not receive my Total Minimum Payment by the due date ( XXXX/XXXX/15 ) then a late fee will be assessed. Nowhere on my statements does it reflects that a payment must be made by a certain time. Therefore, on XXXX/XXXX/15, I made two payments, one with a representative due to their online issues and another on the website after It was determined that the issues were only with their acceptance of new banking information I attempted to add. 
For me, this is a simple fix as I have been with EN for more than 10years but I guess this is something that 's not relevant to them. As I stated, they did not disclose a time on my statement and I 've made the payment according to the information I get from them. To remove myself as their victim, I 've paid off this account except for the erroneous fee of {$25.00} and have also paid off my fianc 's account off which had my name on it. At this time, it 's up to EN to finalize the closure of my account because I will not pay this fee as I 've complied with their due date not due hour. 
I am requesting confirmation in writing indicating the closure of all my accounts with them. ( I am sure they have my social and know all accounts is associated with that social. ) If they find an account with my social, then I would like to be notified so I can also pay that off and get away from this bank completely. For all I know, I only had the XXXX accounts in which are paid off as of today. 
Please note that I do not care about their logic as I can only imagine how many people they 've done this to and have gotten away with it. All I want is that they correct their issue with this late fee and let 's go our separate ways. 
",,Consent provided,Web,2015-03-21,Closed with explanation,Yes,No,CR1294711,2972
2015-03-21,Credit card,,Identity theft / Fraud / Embezzlement,,"The same as the last XXXX submitted I was the victim of credit card freud and need to have these accounts resolved. 
",,Consent provided,Web,2015-03-21,Closed with explanation,Yes,No,CR1294465,1130
2015-03-20,Bank account or service,Other bank product/service,Problems caused by my funds being low,,"Eagle National Bank representative XXXX called my home 364 days straight in XXXX and also called an hung up when I did not answer XXXX times each of those 364 days but did not leave his name. The calls came in between XXXX est and XXXX est. Sometimes every half hour for several hours. The three years or so before these harassing calls I tried to speak with Eagle National Bank representatives and was cursed at, threatened, degraded, hung up on by them only to be called back every XXXX minutes until I picked up again. I went in person the the local Eagle National Bank Branch to report this and the Branch assistant mgr said she know this is a common complaint and nothing can be done. I was shaking so bad I could barely speak and tell her what they are doing and how much it disrupts daily life to the point I cringe each time the phone rings. To add insult to injury my credit score is damaged and the Eagle National Bank actually states the kind of loan I have - interest only home equity loan - can not possibly be the type I received as it is not allowed by law! I do have XXXX! The interest only home equity loan was given to me XXXX and here it is XXXX and the Eagle National Bank is a nightmare that will not end. I am on the do not call list, have been for years. I am on XXXX since XXXX and all I am seeking is an immediate and final correction and repair of my credit and no longer be afraid to answer my phone. 
",Older American,Consent provided,Web,2015-03-26,Closed with non-monetary relief,Yes,No,CR1293739,718
2015-03-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I opened an account with Eagle National Bank in XXXX. I had been a faithful customer with them for 10 years and never owed them any money. I had a credit card like I said opened in or around XXXX but they offered me a 0 % APR FOR A YEAR I kept asking the terms about this but they just kept telling that I could get any loan without an APR if I did this within one year as that was as long as this offer was good for. They said nothing about additional APR % charges either. It was my XXXX time so I fell for it. Turns out that AFTER ONE YEAR the loan had to be paid off or I was charged an outrageous amount of 29 %. I could not pay them all the money back because I lost my job but kept trying to. They would in no way work with me on this and financially the loan was closed in about XXXX. That was after they took advantage of me by charging late charges etc. Now the worst part is this they are lying about when this was charged off ( XXXX ) so it will not fall off my credit report after 7 years. When I approached them they just sent it to a collection agency XXXX XXXX. Whats even worse they just put that the loan was opened or charged off in XXXX and even put that as the charge off day every year from then on!! So in other words this charged off loan keeps on my record being updated every year and probably will never fall of my record at all since it is past the 7 year deadline. I gave my information and the Bank or XXXX XXXX can remove it from the XXXX credit bureaus so myself and my children will not suffer from no loans. 
",,Consent provided,Web,2015-03-20,Closed with explanation,Yes,Yes,CR1293926,4240
2015-03-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"I refinanced my home and chose to preserve my Home Equity Line of Credit with Eagle National Bank. They advised we would need to process a subrogation agreement which would take XXXX business days. That fell within the close date of XXXX XXXX, 2015, so we proceeded to pay the fees and process the subrugation. Eagle National Bank missed the deadline by several days resulting in my being charged over {$3500.00} in interest from the original mortgagee because we went well into XXXX before the refinance was completed. 
",,Consent provided,Web,2015-03-23,Closed with explanation,Yes,Yes,CR1293518,3209
2015-03-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,"Well I 'll start at the begining as this might effect others as well. I had a account with Eagle National Bank, my pay was automatically depositited into my checking account, I had automatic transfers set up to take money from my checking to my savings each month, I also had over draft protection set up that would charge any over draft to my credit card. 

I had issues with Eagle National Bank processing things in a manner that would over draft my account and other issues with their customer service I ca n't recall specifically it was so long ago end result was I switched to XXXX. Each month the automatic transfer to my savings account would occure, trigger my over draft protection and charge money to my credit card. I canceled this automatic transfer, I even called and spoke to the bank and they told me we do n't see any scheduled transfers, still every month this would happen. 

I was trying to pay off the card to close the accounts ; because the overdraft protection was done as a cash advance it was slowly turning my balance into a higher % as cash advanced were paid off last after regular credit. As i said i complained, was told there were no automatic transactions but this continued to happen until I eventually called them from XXXX, paid off the remaining balance and closed my credit card, checking and savings accounts. End of story right? 

Not so much, Eagle National Bank re-opened my account because they "" forgot '' to charge me interest when I closed it over the phone, because I was XXXX to XXXX I did not find out about this until I returned home and had a collections notice in the mail, no other attempt to call or notify me had been made ; the account had gone 90+ days past due. 

I 'm not sure what the rules are but if there was interest that needed to be calculated it should have been done over the phone when I closed the account, not done behind my back afterwards ; I think this was done on purpose by the bank to get back at me for leaving. 
",Servicemember,Consent provided,Web,2015-03-20,Closed with explanation,Yes,Yes,CR1292967,3596
2015-03-20,Credit card,,Billing disputes,,"I had a dispute with a merchant regarding a hardwood floor I purchased. After spending several months working directly with the merchant, I contacted Eagle National Bank to dispute the charge. After their investigation I was credited with the purchase price of the flooring. This decision was disputed by the merchant. I was given until XXXX XXXX to respond to Eagle National Bank 's request for additional information. I did not receive Eagle National Bank 's letter in the mail stating this deadline until XXXX XXXX. Upon calling Eagle National Bank and requesting additional time, they stated that I was late in my response and that I had lost my case. I spoke with multiple individuals in the Claims Department, all of which regurgitated the same response. 
",Servicemember,Consent provided,Web,2015-03-20,Closed with non-monetary relief,Yes,Yes,CR1292775,723
2015-03-20,Credit card,,Credit line increase/decrease,,"In XXXX 2014, I requested a line increase to my Eagle National Bank credit card form {$5000.00} to {$6000.00}. Just this week, I applies for a loan and my credit score was extremely low. On my report it shows that my Eagle National Bank credit card showed that I was over my limit and had been for the almost one year. I contact Eagle National Bank and they say that I was never approved for the {$6000.00} increase however, they let me go over my credit card limit and allowed the purchases up to the {$6000.00}. 
",,Consent provided,Web,2015-03-20,Closed with explanation,Yes,No,CR1292716,12
2015-03-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,Consent not provided,Web,2015-03-20,Closed with monetary relief,Yes,Yes,CR1294153,2899
2015-03-20,Bank account or service,Checking account,Deposits and withdrawals,,,,Consent not provided,Web,2015-03-20,Closed with monetary relief,Yes,No,CR1293029,1085
2015-03-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-03-20,Closed with explanation,Yes,No,CR1293666,2939
2015-03-20,Bank account or service,Savings account,Problems caused by my funds being low,,,,Consent not provided,Web,2015-03-20,Closed with non-monetary relief,Yes,No,CR1292957,103
2015-03-19,Bank account or service,Savings account,"Account opening, closing, or management",,"I have made many mistakes when I was younger and XXXX of them was with Eagle National Bank .Last year I deposit XXXX checks in around XXXX and XXXX in XX/XX/XXXX, I Did a mobile deposit through my phone and it gave me an error due to bugs on the mobile application that Eagle National Bank provides for clients, also my phone was n't the best one which I discovered after XXXX attempts at using the convenient mobile application that Eagle National Bank provided for me to use as a convenient way to deposit and check my accounts. 
According to Eagle National Bank I then tried to deposit the check in my savings or checking account through the ATM it also gave me XXXX balances which led me to overdraft the account once the checks cleared. The amount of XXXX was the amount overdrawn. This was all done on accident which I had explained to The Risk department and The Recovery Department at Eagle National Bank. I Also asked for statements and transactions to be mailed to me showing these movements. The Representatives that assisted me had no knowledge of what was happening, all I have been trying to do is pay all my debt to all the banks and financial institutions, I am really trying to get my life straight I am a XXXX, I am XXXX and looking for a job. I 'm trying to get ahead in life and better my chances to having a bright future. Eagle National Bank is Reporting that I am A High Risk Fraud, according to XXXX XXXX Bank, This was displayed to me By A XXXX XXXX Bank Branch Manager, he showed me the screen after running my social security number. I did not commit fraud, and they refuse to show me or explain to me what evidence they have to be reporting that I am a high risk for Fraud, I recently got a consumer report from XXXX and they have reported Abuse on the account, but not Fraud, so I do n't understand why this bank is reporting me as Fraud to all the Banks, I called call check systems on XXXX to verify what I had seen on the XXXX XXXX Screen when I applied for an account with them, and they said that there is nothing reporting under Fraud only under Paid In full and the reason I was on XXXX is under the category of Account Abuse for the overdraft that was not paid. This is highly affecting my personal Life and my financial situation. Please help me in resolving this. I do n't have money for an attorney at this time and I feel like no one is helping me resolve this I am honestly trying to do the right thing by paying my debt and I do n't believe this is not fair for Eagle National Bank to Call me Fraudulent and report it to other banks, and yet not be able to send me proof of this or to notify me that my status with them is Fraud, I feel really disrespected and I felt like I was treated wrong they are holding information form me but reporting it to the banks this does not make senses to me. Why would they say I 'm a High Risk for Fraud and not have it on file it 's only being communicated through banks not XXXX. I do n't think it 's ok to get a report with a status on this account as Abuse, but then go to a Bank and find out that its more than just Account Abuse, but Fraud. I Honestly hope you can help me with this or refer me to someone that can, I will continue researching and reaching out to any Government agency that can help me with this Injustice. 

Thank you. 
",,Consent provided,Web,2015-03-19,Closed with explanation,Yes,No,CR1291551,2742
2015-03-19,Bank account or service,Checking account,Deposits and withdrawals,,"This Eagle National Bank, gave all my money without letting me know to a some type of collection agency because they said that they receive a letter from a lawyer to take all my money and hold all my assests. Which they cant even tell me whom i owed with? First of all i dont owed anything that is more that {$2000.00} and second how thry can just garnish my money and gave it to the agency without letting me know and last how did they get my bank acct information? 
",,Consent provided,Web,2015-03-19,Closed with explanation,Yes,Yes,CR1291225,3781
2015-03-19,Credit card,,Other,,"i opened XXXX Eagle National Bank credit cards 15-20 years ago and the interest on the account is very low, some time 7 years ago or so i got a notice that my interest was changing and going up to prime plus 2 % i think.prime was going up back then, and several banks did this, or you had a option to close the account, and stay with the old terms and cond and lock in the interest rate till it was paid off.so the new terms and cond i was not accepting.i closed all XXXX accounts and have made payments since then on time never late.my history will show this.i each month for the past 5 years plus i schedule all my payments online on the XXXX of ea month and get a conformation number that the payment has been scheduled.on XXXX i did this to XXXX-accounts as i have done for 5-years, got a conformation number on all transactions.XXXX payment was due XXXX get a call at my home XXXX from a very rude man with a XXXX # on caller ID and says he is calling from XXXX card services, and my payment was late, i have a late charge, i have not meant my terms and cond and i was being charged off and IRS was getting sent a statement.i XXXX thought it was a scam. then he tells me that XXXX is owned by Eagle National Bank he still was nasty, threaten me over now 7-days past due.i got nasty with him, explained i scheduled my payments, and i have a conformation # and he did not care.after 1hr plus with him haurasing me, i hung up and called Eagle National Bank customer service, where after 6.5hrs later on the phone with people i get told from the internet dept that they saw i scheduled all my payments, they said Eagle National Bank was wrong here,100 % but he did not know how to fix problem.apparently some time the XXXX week in XXXX they put in a new billing system, and when they did a system update, they took all XXXX accounts and put them in a un active position, so my payments scheduled were there but they could not not find my accounts any more to apply payment..i made them on XXXX XXXX, yet on XXXX the new system could not apply my payment.i had no way of knowing this, i find out that all XXXX accounts are this way now, when i ask them to fix this issue, they have no idea how to fix the problem, the people who installed the new updated system had to input me XXXX then my accounts could be seen.i was suppose to get a call from someone at corp level the next day to address this problem, that never happened, so XXXX i spend another 5 hours on the phone, and by the way i had XXXX-phones going, my XXXX call was on my home phone, where i was put on hold to speak to supervisor,2hrs later never happened, i called on cell phone, and got a supervisor who did nothing for me for 3 hours.i asked for 1-thing never got, i asked for a {$25.00} credit for late fee she refused this, she kept reading notes, puts me on hold comes back with nothing i tried to explain what needed to be done but she would not listen, after 3 hours with her and 12 hours of getting no where, i am filling a complaint, and i also am concern, have not.have not spoken to any attorney yet, but i believe my rights have been violated, when i get a call from XXXX and threaten, and spoke to as i was, and to be told from XXXX XXXX in XXXX AZ internet dept that Eagle National Bank was at fault, and they needed to fix, now i am told XXXX-payments are late i have fees and they refuse any service, or refuse to wave fees, and it is their fault.i have all conformation # and all payments have always been made on time, never late, yet i am getting called at home, threaten, over a Eagle National Bank wrong doing, and i am paying for it now.this is wrong, and i really feel i have been violated in this way.i also found out supervisors i spoke to never recorded that they ever spoke with me, that being XXXX XXXX call center S.Carolina.and she was to call me and never did, and never put in notes she spoke to me this is what i get, and it is not right at all.thank you for your time. 
",,Consent provided,Web,2015-03-19,Closed with monetary relief,Yes,Yes,CR1292209,1448
2015-03-19,Credit card,,Identity theft / Fraud / Embezzlement,,"In late XX/XX/XXXX or early XX/XX/XXXX I received several voice messages and emails from Eagle National Bank regarding my XXXX credit card. I immediately contacted the bank and was informed that fraudulent charges were detected on my XXXX credit card and the bank closed the account to protect me from further fraudulent activity. I was alarmed because I have had this account for 5 years and I have not utilized the card in more than 4 years and it had a XXXX balance with a {$10000.00} limit. The bank assured me that all charges would be reversed and any fees associated with this issue would be reversed as well. I was also told that the charges arose from a cafe in XXXX where someone was purchasing coffee and snacks. I advised the bank that I have never been to XXXX to assure them that I had no part in this fraudulent activity. The bank representative at Eagle National Bank said that I would receive a new card in the mail in 7-10 days. When that card did not arrive I re-contacted Eagle National Bank and was told the card should have been received so they would issue a XXXX replacement card via priority mail ( signature required ). I did receive the XXXX replacement card. My problem with this entire process is now that I have the new card the associated fees for the replacement and the fraudulent charges have not been reversed completely as Eagle National Bank promised. Now there is a 30 day late payment on my credit report for the fraudulent charges and fees totaling {$31.00}. This late payment has affected my qualification and approval for a mortgage that I was in the process of obtaining. On XX/XX/XXXX I contacted Eagle National Bank again to discuss this matter and they apologized for the inconvenience and assured me that the fees are being reversed and the 30 day late on my credit report would be reversed in 30-60 days. This is not acceptable. I do not want to have this negative notation impede my mortgage loan processing or impact my mortgage interest rate negatively. 
",,Consent provided,Web,2015-03-19,Closed with explanation,Yes,No,CR1292063,5323
2015-03-19,Credit card,,Closing/Cancelling account,,"My Complaint is in regards to my credit card with Eagle National Bank there was a payment made in XXXX made through and Insurance company that I purchased through Eagle National Bank in the event I had any life changes. The problem is I was just made aware that Eagle National Bank no longer conducts business with them. As result I 'm out of the money that I paid to the insurance company. Well XXXX there was a refund sent to Eagle National Bank on my behalf. Instead of Eagle National Bank sending me the check they applied as a a credit which brought the balance down. No problem right. None for me as well however not only did they bring the balance down they said that is not a payment. Its a credit, I said this is something that I paid monthly and its not like I went to the store and purchased something and than returned it in that case that would be a credit. This service was to be provided for customers in the event they were unable to pay there bill. The issue is Eagle National Bank accepted the payment and than charged me late fees .Closed the account and reported me late to the credit bureaus. I 've made a numerous of attempts to reach out to them and have yet to have this matter resolved recently my wife reached out to your office and a complaint was submitted and we received correspondence from a woman by the name of XXXX XXXX who works with XXXX department of customer care for complaints. Let me start off by saying she was absolutely rude and combative and I hope I never need to deal with her again. She sends us an email stating she wants to resolve this issue please give her a call and than we call her and she is very combative. My wife resubmits a complaint addressing the level of dissatisfaction we received only for the complaint to go back to the same person whom was the one that was being combative. The problem is Eagle National Bank is receiving my money that I work hard for applying to the account and saying there is n't a payment that was n't made because this came from the insurance company. The insurance was again in the event I was unable to pay my bill they would pay it. Although Eagle National Bank no longer does business with this company. The insurance company refunded the consumers some of the money and it was either sent as a check. Eagle National Bank takes my money and than says there is not payment it is a credit. Which cant be a credit because that was a payment made for a service that was never rendered. What Eagle National Bank is doing is stealing. They are charge me a late fee for something that was n't late. Its no different if I have a friend pay my monthly bill. You cant say your applying that payment as credit because someone else paid and that charge me late payments. That is completely unethical. 
",,Consent provided,Web,2015-03-19,Closed with non-monetary relief,Yes,Yes,CR1292069,137
2015-03-19,Credit card,,Identity theft / Fraud / Embezzlement,,"I pulled my credit file XX/XX/XXXX and noticed Target XXXX had reported a charge off on a joint account on my credit file from XX/XX/XXXX. I contacted Target XXXX numerous times by phone and mail. When contacting them by phone I was informed they could not find an account with my social security number and that it would be removed from my credit file. I sent them a certified letter XX/XX/XXXX requesting they remove the account from all XXXX agencies and I also disputed the account with all XXXX credit agencies. The credit agencies responded back stating the account had been verified and it would not be removed. I contacted Target Corporate Office and again was informed that they would remove it from my file to yet it has not been done. I have never had an account with Target XXXX nor have I ever signed to be a joint account holder with anyone on a credit card from this company. I am also filing a complaint with the State Attorney General in Michigan regarding this matter. I am considering retaining legal counsel for this issue. 
",,Consent provided,Web,2015-03-19,Closed with explanation,Yes,Yes,CR1290323,972
2015-03-19,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,,Web,2015-03-19,Closed with explanation,Yes,No,CR1290484,6922
2015-03-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,Consent not provided,Web,2015-03-19,Closed with explanation,Yes,No,CR1290240,359
2015-03-18,Credit card,,Transaction issue,,,,N/A,Web,2015-03-18,Closed with explanation,Yes,No,CR1289239,4248
2015-03-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-03-18,Closed with non-monetary relief,Yes,No,CR1289494,3350
2015-03-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-04-06,Closed with explanation,Yes,Yes,CR1288828,3321
2015-03-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-03-20,Closed with explanation,Yes,No,CR1289833,2093
2015-03-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-03-18,Closed with monetary relief,Yes,No,CR1289104,4091
2015-03-18,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2015-03-18,Closed with explanation,Yes,Yes,CR1289651,1391
2015-03-18,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2015-03-18,Closed with non-monetary relief,Yes,No,CR1289812,2024
2015-03-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-03-18,Closed with explanation,Yes,No,CR1288313,4126
2015-03-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-03-18,Closed with explanation,Yes,No,CR1288838,2452
2015-03-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-03-17,Closed with explanation,Yes,No,CR1288204,12695
2015-03-17,Credit card,,Other,,,,N/A,Web,2015-03-23,Closed with explanation,Yes,No,CR1287507,2682
2015-03-17,Credit card,,Advertising and marketing,,,Older American,N/A,Web,2015-03-17,Closed with explanation,Yes,Yes,CR1286007,1252
2015-03-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-03-23,Closed with explanation,Yes,No,CR1287298,2232
2015-03-17,Credit card,,Transaction issue,,,,N/A,Web,2015-03-17,Closed with explanation,Yes,No,CR1285918,3562
2015-03-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-03-17,Closed with monetary relief,Yes,No,CR1286148,1412
2015-03-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-03-17,Closed with monetary relief,Yes,No,CR1287055,663
2015-03-17,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2015-03-17,Closed with explanation,Yes,No,CR1286156,724
2015-03-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-03-17,Closed with non-monetary relief,Yes,No,CR1286202,624
2015-03-16,Credit card,,Sale of account,,,,N/A,Web,2015-03-16,Closed with explanation,Yes,No,CR1283934,1324
2015-03-16,Credit card,,Customer service / Customer relations,,,,N/A,Web,2015-03-19,Closed with explanation,Yes,No,CR1283943,5379
2015-03-16,Credit card,,Transaction issue,,,,N/A,Web,2015-03-23,Closed with explanation,Yes,No,CR1285055,6183
2015-03-16,Credit card,,Billing statement,,,Older American,N/A,Web,2015-03-17,Closed with explanation,Yes,No,CR1284122,282
2015-03-16,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-03-21,Closed with explanation,Yes,No,CR1283821,11860
2015-03-16,Credit card,,Payoff process,,,,N/A,Web,2015-03-16,Closed with explanation,Yes,No,CR1284017,1309
2015-03-16,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2015-03-16,Closed with explanation,Yes,No,CR1285483,12739
2015-03-16,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2015-03-16,Closed with explanation,Yes,No,CR1284184,250
2015-03-16,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2015-03-16,Closed with monetary relief,Yes,No,CR1285092,4166
2015-03-15,Credit card,,Balance transfer,,,,N/A,Web,2015-03-15,Closed with explanation,Yes,Yes,CR1283633,2651
2015-03-15,Credit card,,Delinquent account,,,Older American,N/A,Web,2015-03-20,Closed with explanation,Yes,No,CR1283629,3290
2015-03-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-03-15,Closed with non-monetary relief,Yes,Yes,CR1283618,3508
2015-03-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2015-03-15,Closed with non-monetary relief,Yes,No,CR1283568,2607
2015-03-14,Credit card,,Balance transfer,,,,N/A,Web,2015-03-14,Closed with non-monetary relief,Yes,No,CR1283281,3484
2015-03-14,Credit card,,Billing statement,,,,N/A,Web,2015-03-14,Closed with explanation,Yes,No,CR1283302,1831
2015-03-14,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-03-14,Closed with explanation,Yes,No,CR1283330,4540
2015-03-14,Credit card,,Billing disputes,,,,N/A,Web,2015-03-20,Closed with monetary relief,Yes,No,CR1283347,545
2015-03-14,Credit card,,Advertising and marketing,,,,N/A,Web,2015-03-14,Closed with explanation,Yes,No,CR1283365,13260
2015-03-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-03-14,Closed with explanation,Yes,No,CR1283266,296
2015-03-14,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2015-03-14,Closed with monetary relief,Yes,No,CR1283378,796
2015-03-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-03-14,Closed with explanation,Yes,No,CR1283335,1660
2015-03-13,Credit card,,Billing statement,,,,N/A,Web,2015-03-19,Closed with explanation,Yes,No,CR1281744,1974
2015-03-13,Credit card,,Balance transfer,,,,N/A,Web,2015-03-13,Closed with explanation,Yes,No,CR1281347,249
2015-03-13,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Web,2015-03-13,Closed with explanation,Yes,Yes,CR1282257,9675
2015-03-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-03-13,Closed with monetary relief,Yes,Yes,CR1281669,477
2015-03-12,Credit card,,APR or interest rate,,,,N/A,Web,2015-03-18,Closed with explanation,Yes,Yes,CR1279574,2221
2015-03-12,Credit card,,Credit determination,,,,N/A,Web,2015-03-18,Closed with explanation,Yes,Yes,CR1280038,4155
2015-03-12,Credit card,,Customer service / Customer relations,,,,N/A,Web,2015-03-12,Closed with explanation,Yes,No,CR1280266,660
2015-03-12,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-03-12,Closed with explanation,Yes,Yes,CR1279292,850
2015-03-12,Credit card,,Other,,,,N/A,Web,2015-03-12,Closed with monetary relief,Yes,No,CR1279201,8571
2015-03-12,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2015-03-12,Closed with explanation,Yes,No,CR1280781,4223
2015-03-12,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2015-03-12,Closed with monetary relief,Yes,No,CR1280826,3330
2015-03-11,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-03-17,Closed with monetary relief,Yes,No,CR1277712,2953
2015-03-11,Credit card,,Privacy,,,,N/A,Web,2015-03-11,Closed with explanation,Yes,No,CR1277205,60
2015-03-11,Credit card,,Other,,,,N/A,Web,2015-03-11,Closed with non-monetary relief,Yes,No,CR1277261,1334
2015-03-11,Credit card,,Transaction issue,,,,N/A,Web,2015-03-11,Closed with explanation,Yes,No,CR1277191,4017
2015-03-11,Credit card,,Transaction issue,,,,N/A,Web,2015-03-12,Closed with explanation,Yes,No,CR1278164,1947
2015-03-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-03-11,Closed with monetary relief,Yes,No,CR1277141,11598
2015-03-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-03-11,Closed with explanation,Yes,No,CR1278751,3065
2015-03-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-03-11,Closed with explanation,Yes,No,CR1277122,4254
2015-03-10,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2015-03-10,Closed with explanation,Yes,No,CR1275547,3372
2015-03-10,Credit card,,Other,,,Older American,N/A,Web,2015-03-17,Closed with explanation,Yes,No,CR1275698,2573
2015-03-10,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-03-16,Closed with explanation,Yes,No,CR1274863,2996
2015-03-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-03-10,Closed with explanation,Yes,Yes,CR1275045,4196
2015-03-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-03-10,Closed with explanation,Yes,No,CR1275102,1941
2015-03-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-03-16,Closed with explanation,Yes,No,CR1276048,4509
2015-03-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-03-10,Closed with explanation,Yes,No,CR1275502,12561
2015-03-09,Credit card,,Transaction issue,,,,N/A,Web,2015-03-09,Closed with monetary relief,Yes,Yes,CR1273358,1512
2015-03-09,Credit card,,Transaction issue,,,,N/A,Web,2015-03-09,Closed with explanation,Yes,No,CR1275002,944
2015-03-09,Credit card,,Application processing delay,,,,N/A,Web,2015-03-09,Closed with explanation,Yes,Yes,CR1276691,3939
2015-03-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-03-09,Closed with monetary relief,Yes,No,CR1273487,13751
2015-03-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-03-09,Closed with monetary relief,Yes,No,CR1274197,2607
2015-03-09,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Web,2015-03-09,Closed with explanation,Yes,Yes,CR1272876,4543
2015-03-08,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-03-08,Closed with explanation,Yes,No,CR1272522,3215
2015-03-08,Credit card,,Other,,,Older American,N/A,Web,2015-03-08,Closed with non-monetary relief,Yes,No,CR1272498,1623
2015-03-08,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2015-03-13,Closed with explanation,Yes,Yes,CR1272519,5579
2015-03-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-03-08,Closed with explanation,Yes,No,CR1272400,1762
2015-03-07,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-03-13,Closed with explanation,Yes,No,CR1282952,796
2015-03-07,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2015-03-07,Closed with explanation,Yes,Yes,CR1274531,2527
2015-03-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-03-13,Closed with explanation,Yes,Yes,CR1274547,8362
2015-03-06,Credit card,,Other,,,,N/A,Web,2015-03-06,Closed with explanation,Yes,No,CR1270743,592
2015-03-06,Credit card,,Billing disputes,,,Older American,N/A,Web,2015-03-06,Closed with explanation,Yes,No,CR1271602,1901
2015-03-06,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2015-03-10,Closed with monetary relief,Yes,No,CR1271868,3472
2015-03-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-03-06,Closed with explanation,Yes,No,CR1292512,1326
2015-03-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-03-06,Closed with monetary relief,Yes,No,CR1270615,9820
2015-03-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-03-06,Closed with explanation,Yes,Yes,CR1270691,3313
2015-03-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-03-06,Closed with explanation,Yes,No,CR1271499,121
2015-03-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-03-06,Closed with monetary relief,Yes,No,CR1271626,4708
2015-03-06,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2015-03-06,Closed with non-monetary relief,Yes,No,CR1270578,243
2015-03-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-03-12,Closed with explanation,Yes,No,CR1271777,1036
2015-03-05,Credit card,,Other,,,Servicemember,N/A,Web,2015-03-05,Closed with explanation,Yes,No,CR1268794,10200
2015-03-05,Credit card,,Billing disputes,,,,N/A,Web,2015-03-11,Closed with explanation,Yes,Yes,CR1270420,2862
2015-03-05,Credit card,,Advertising and marketing,,,,N/A,Web,2015-03-05,Closed with explanation,Yes,No,CR1269034,2476
2015-03-05,Credit card,,Other,,,,N/A,Web,2015-03-16,Closed with explanation,Yes,Yes,CR1270154,4618
2015-03-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-03-05,Closed with explanation,Yes,No,CR1268655,12344
2015-03-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-03-05,Closed with explanation,Yes,Yes,CR1269609,860
2015-03-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2015-03-05,Closed with non-monetary relief,Yes,No,CR1268852,3207
2015-03-04,Credit card,,Late fee,,,,N/A,Web,2015-03-04,Closed with monetary relief,Yes,No,CR1266603,10
2015-03-04,Credit card,,Other,,,,N/A,Web,2015-03-04,Closed with monetary relief,Yes,No,CR1266606,4994
2015-03-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-03-04,Closed with explanation,Yes,No,CR1267347,4979
2015-03-04,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2015-03-04,Closed with monetary relief,Yes,No,CR1268169,2307
2015-03-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-03-04,Closed with non-monetary relief,Yes,No,CR1266988,2173
2015-03-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-03-04,Closed with explanation,Yes,Yes,CR1267616,2903
2015-03-03,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2015-03-10,Closed with explanation,Yes,Yes,CR1266180,823
2015-03-03,Credit card,,Bankruptcy,,,,N/A,Web,2015-03-03,Closed with explanation,Yes,No,CR1266130,3501
2015-03-03,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2015-03-03,Closed with non-monetary relief,Yes,No,CR1265470,333
2015-03-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-03-03,Closed with explanation,Yes,No,CR1264693,1609
2015-03-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-03-03,Closed with monetary relief,Yes,No,CR1265098,2069
2015-03-03,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2015-03-03,Closed with explanation,Yes,No,CR1265642,2732
2015-03-03,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2015-03-03,Closed with monetary relief,Yes,No,CR1264702,279
2015-03-02,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-03-02,Closed with explanation,Yes,No,CR1263474,2901
2015-03-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-03-02,Closed with monetary relief,Yes,No,CR1262487,4482
2015-03-01,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2015-03-01,Closed with explanation,Yes,No,CR1262093,4672
2015-03-01,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2015-03-01,Closed with explanation,Yes,No,CR1262065,4643
2015-03-01,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Web,2015-03-01,Closed with explanation,Yes,No,CR1262214,4314
2015-03-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-03-01,Closed with monetary relief,Yes,No,CR1262240,2949
2015-03-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-03-01,Closed with explanation,Yes,Yes,CR1262246,11978
2015-02-28,Credit card,,Delinquent account,,,,N/A,Web,2015-02-28,Closed with explanation,Yes,No,CR1261781,1504
2015-02-28,Credit card,,Customer service / Customer relations,,,,N/A,Web,2015-02-28,Closed with non-monetary relief,Yes,Yes,CR1261791,3954
2015-02-28,Credit card,,Billing disputes,,,,N/A,Web,2015-02-28,Closed with non-monetary relief,Yes,No,CR1261861,4238
2015-02-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-02-28,Closed with explanation,Yes,Yes,CR1261974,2594
2015-02-28,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2015-03-06,Closed with monetary relief,Yes,No,CR1262020,2571
2015-02-28,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2015-02-28,Closed with explanation,Yes,No,CR1261994,417
2015-02-27,Credit card,,Late fee,,,,N/A,Web,2015-03-02,Closed with monetary relief,Yes,No,CR1260436,1440
2015-02-27,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-02-27,Closed with explanation,Yes,No,CR1261062,3479
2015-02-27,Credit card,,APR or interest rate,,,,N/A,Web,2015-02-27,Closed with explanation,Yes,No,CR1260010,2508
2015-02-27,Credit card,,Billing disputes,,,,N/A,Web,2015-02-27,Closed with explanation,Yes,No,CR1260063,4484
2015-02-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-27,Closed with explanation,Yes,No,CR1260979,9316
2015-02-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-02-27,Closed with explanation,Yes,No,CR1260067,2935
2015-02-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-02-27,Closed with explanation,Yes,No,CR1260403,8013
2015-02-27,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Web,2015-02-27,Closed with explanation,Yes,No,CR1261257,4482
2015-02-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-27,Closed with explanation,Yes,Yes,CR1260500,3676
2015-02-26,Credit card,,Billing disputes,,,,N/A,Web,2015-02-26,Closed,Yes,Yes,CR1259539,2376
2015-02-26,Credit card,,Delinquent account,,,,N/A,Web,2015-03-04,Closed with non-monetary relief,Yes,No,CR1258418,3655
2015-02-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-02-26,Closed with explanation,Yes,No,CR1257849,3240
2015-02-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-02-26,Closed with monetary relief,Yes,No,CR1258205,2307
2015-02-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-02-26,Closed with explanation,Yes,Yes,CR1261289,6272
2015-02-26,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2015-03-03,Closed with explanation,Yes,No,CR1257909,11406
2015-02-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-02-26,Closed with monetary relief,Yes,Yes,CR1257992,647
2015-02-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-02-26,Closed with monetary relief,Yes,No,CR1257734,1745
2015-02-25,Credit card,,Billing disputes,,,,N/A,Web,2015-02-25,Closed with monetary relief,Yes,No,CR1256068,2716
2015-02-25,Credit card,,Credit line increase/decrease,,,,N/A,Web,2015-02-25,Closed with explanation,Yes,No,CR1255659,2235
2015-02-25,Credit card,,Billing disputes,,,Older American,N/A,Web,2015-03-02,Closed with explanation,Yes,No,CR1257149,329
2015-02-25,Credit card,,Bankruptcy,,,,N/A,Web,2015-02-25,Closed with explanation,Yes,No,CR1257097,365
2015-02-25,Credit card,,Billing disputes,,,,N/A,Web,2015-03-02,Closed with explanation,Yes,Yes,CR1257142,2432
2015-02-25,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2015-03-03,Closed with explanation,Yes,No,CR1257168,4745
2015-02-25,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2015-02-25,Closed with monetary relief,Yes,No,CR1256247,2372
2015-02-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-03-03,Closed with explanation,Yes,No,CR1257030,284
2015-02-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-25,Closed with explanation,Yes,No,CR1257246,4239
2015-02-24,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-02-24,Closed with monetary relief,Yes,Yes,CR1254234,985
2015-02-24,Credit card,,APR or interest rate,,,,N/A,Web,2015-02-24,Closed with explanation,Yes,Yes,CR1254692,1970
2015-02-24,Credit card,,Advertising and marketing,,,,N/A,Web,2015-03-02,Closed with explanation,Yes,No,CR1253599,2797
2015-02-24,Credit card,,Other,,,,N/A,Web,2015-02-24,Closed with explanation,Yes,No,CR1253741,1890
2015-02-24,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2015-02-24,Closed with explanation,Yes,No,CR1254428,1759
2015-02-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-03-03,Closed with explanation,Yes,No,CR1255024,5461
2015-02-24,Credit card,,Other,,,Servicemember,N/A,Web,2015-02-24,Closed with explanation,Yes,No,CR1254453,1711
2015-02-24,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2015-02-24,Closed with explanation,Yes,No,CR1255500,4207
2015-02-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2015-03-03,Closed with explanation,Yes,No,CR1254566,290
2015-02-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-24,Closed with explanation,Yes,No,CR1255031,1561
2015-02-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2015-03-02,Closed with explanation,Yes,No,CR1253902,2275
2015-02-24,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2015-02-24,Closed with explanation,Yes,No,CR1255570,3933
2015-02-23,Credit card,,Billing disputes,,,,N/A,Web,2015-02-23,Closed with non-monetary relief,Yes,Yes,CR1252595,922
2015-02-23,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2015-03-03,Closed with explanation,Yes,No,CR1252758,2080
2015-02-23,Credit card,,Transaction issue,,,,N/A,Web,2015-02-27,Closed with explanation,Yes,Yes,CR1253191,2447
2015-02-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-23,Closed with explanation,Yes,Yes,CR1252773,5617
2015-02-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-02-23,Closed with explanation,Yes,No,CR1251698,3132
2015-02-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-02-23,Closed with explanation,Yes,No,CR1252010,3783
2015-02-23,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Servicemember,N/A,Web,2015-02-25,Closed with explanation,Yes,No,CR1253162,1801
2015-02-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-23,Closed with explanation,Yes,Yes,CR1251482,1392
2015-02-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-02-22,Closed with explanation,Yes,No,CR1251078,2132
2015-02-22,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-03-02,Closed with explanation,Yes,No,CR1251061,3605
2015-02-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-02-27,Closed with explanation,Yes,No,CR1250981,2992
2015-02-21,Credit card,,Customer service / Customer relations,,,,N/A,Web,2015-02-21,Closed with explanation,Yes,Yes,CR1250551,2148
2015-02-21,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2015-02-21,Closed with explanation,Yes,Yes,CR1250632,2846
2015-02-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-02-25,Closed with explanation,Yes,No,CR1250595,3472
2015-02-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-02-21,Closed with monetary relief,Yes,No,CR1250815,12726
2015-02-20,Credit card,,Delinquent account,,,,N/A,Web,2015-02-20,Closed with explanation,Yes,No,CR1249350,4160
2015-02-20,Credit card,,Billing disputes,,,,N/A,Web,2015-02-20,Closed with explanation,Yes,No,CR1248722,836
2015-02-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-02-20,Closed with explanation,Yes,No,CR1248848,3317
2015-02-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-02-20,Closed with explanation,Yes,No,CR1249574,3735
2015-02-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2015-02-20,Closed with explanation,Yes,No,CR1250361,2227
2015-02-20,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2015-02-20,Closed with explanation,Yes,No,CR1250674,1936
2015-02-20,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2015-02-20,Closed with explanation,Yes,No,CR1250400,7150
2015-02-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-02-19,Closed with non-monetary relief,Yes,No,CR1246402,7814
2015-02-19,Credit card,,Billing disputes,,,,N/A,Web,2015-02-19,Closed with explanation,Yes,No,CR1246635,560
2015-02-19,Credit card,,Delinquent account,,,,N/A,Web,2015-02-19,Closed with non-monetary relief,Yes,No,CR1249123,4426
2015-02-19,Credit card,,Rewards,,,Older American,N/A,Web,2015-02-19,Closed with monetary relief,Yes,No,CR1249121,2206
2015-02-19,Credit card,,Balance transfer,,,,N/A,Web,2015-02-19,Closed with explanation,Yes,Yes,CR1247008,243
2015-02-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-02-19,Closed with explanation,Yes,No,CR1247481,327
2015-02-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-02-19,Closed with monetary relief,Yes,No,CR1247108,283
2015-02-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-19,Closed with monetary relief,Yes,No,CR1249118,339
2015-02-18,Credit card,,Delinquent account,,,,N/A,Web,2015-02-18,Closed with explanation,Yes,Yes,CR1244712,1322
2015-02-18,Credit card,,Transaction issue,,,Older American,N/A,Web,2015-02-18,Closed with monetary relief,Yes,Yes,CR1245538,279
2015-02-18,Credit card,,Rewards,,,,N/A,Web,2015-02-18,Closed with explanation,Yes,No,CR1244495,1493
2015-02-18,Credit card,,Billing disputes,,,,N/A,Web,2015-02-18,Closed with monetary relief,Yes,No,CR1244120,2899
2015-02-18,Credit card,,Other fee,,,,N/A,Web,2015-02-18,Closed with non-monetary relief,Yes,No,CR1245724,1556
2015-02-18,Credit card,,Cash advance fee,,,,N/A,Web,2015-02-18,Closed with monetary relief,Yes,No,CR1244461,2825
2015-02-18,Credit card,,Arbitration,,,Older American,N/A,Web,2015-02-18,Closed with explanation,Yes,No,CR1244824,13694
2015-02-18,Credit card,,Billing disputes,,,Older American,N/A,Web,2015-02-18,Closed with monetary relief,Yes,No,CR1245187,4602
2015-02-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-18,Closed with explanation,Yes,Yes,CR1244539,8692
2015-02-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-18,Closed with monetary relief,Yes,No,CR1245711,886
2015-02-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-18,Closed with explanation,Yes,No,CR1245712,774
2015-02-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-02-18,Closed with explanation,Yes,Yes,CR1244302,274
2015-02-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-18,Closed with explanation,Yes,No,CR1245365,3326
2015-02-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-02-18,Closed with explanation,Yes,Yes,CR1244603,653
2015-02-17,Credit card,,Billing disputes,,,Older American,N/A,Web,2015-02-17,Closed with explanation,Yes,No,CR1242790,4241
2015-02-17,Credit card,,Other,,,Older American,N/A,Web,2015-02-17,Closed with explanation,Yes,No,CR1242969,4034
2015-02-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-02-17,Closed with explanation,Yes,No,CR1243291,1709
2015-02-17,Credit card,,Application processing delay,,,Older American,N/A,Web,2015-02-17,Closed with explanation,Yes,No,CR1242177,12079
2015-02-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-02-17,Closed with monetary relief,Yes,No,CR1241991,763
2015-02-17,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2015-02-17,Closed with monetary relief,Yes,No,CR1243301,3595
2015-02-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-02-17,Closed with explanation,Yes,No,CR1243065,829
2015-02-17,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2015-02-17,Closed with monetary relief,Yes,No,CR1244331,2794
2015-02-16,Credit card,,Payoff process,,,,N/A,Web,2015-02-16,Closed with explanation,Yes,No,CR1241730,4253
2015-02-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-02-15,Closed with explanation,Yes,No,CR1241367,4743
2015-02-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-15,Closed with explanation,Yes,Yes,CR1241260,1439
2015-02-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2015-02-15,Closed with explanation,Yes,No,CR1241332,1868
2015-02-14,Credit card,,Customer service / Customer relations,,,Servicemember,N/A,Web,2015-02-14,Closed with explanation,Yes,No,CR1240980,8333
2015-02-14,Credit card,,Balance transfer,,,,N/A,Web,2015-02-18,Closed with explanation,Yes,No,CR1241014,2022
2015-02-14,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-02-14,Closed with explanation,Yes,No,CR1241038,6944
2015-02-13,Credit card,,Payoff process,,,Servicemember,N/A,Web,2015-02-13,Closed with monetary relief,Yes,No,CR1239447,3787
2015-02-13,Credit card,,Other,,,,N/A,Web,2015-02-13,Closed with explanation,Yes,Yes,CR1239474,3175
2015-02-13,Credit card,,Billing disputes,,,,N/A,Web,2015-02-13,Closed with explanation,Yes,No,CR1239731,1322
2015-02-13,Credit card,,Billing statement,,,,N/A,Web,2015-02-13,Closed with monetary relief,Yes,No,CR1240130,2750
2015-02-13,Credit card,,Other,,,Servicemember,N/A,Web,2015-02-13,Closed with explanation,Yes,No,CR1240606,1326
2015-02-13,Credit card,,Late fee,,,,N/A,Web,2015-02-13,Closed with non-monetary relief,Yes,No,CR1239389,206
2015-02-13,Credit card,,Other,,,,N/A,Web,2015-02-13,Closed with monetary relief,Yes,Yes,CR1239867,5163
2015-02-13,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-02-20,Closed with explanation,Yes,No,CR1240461,11874
2015-02-13,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Web,2015-02-13,Closed with explanation,Yes,No,CR1239761,10563
2015-02-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-20,Closed with explanation,Yes,No,CR1240526,5223
2015-02-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2015-02-13,Closed with monetary relief,Yes,Yes,CR1239156,599
2015-02-13,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2015-02-13,Closed with non-monetary relief,Yes,Yes,CR1239057,3219
2015-02-12,Credit card,,Delinquent account,,,,N/A,Web,2015-02-12,Closed with explanation,Yes,Yes,CR1237641,1407
2015-02-12,Credit card,,Billing disputes,,,,N/A,Web,2015-02-12,Closed with monetary relief,Yes,No,CR1237394,704
2015-02-12,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-02-12,Closed with explanation,Yes,Yes,CR1236938,3262
2015-02-12,Credit card,,Billing disputes,,,,N/A,Web,2015-02-19,Closed with non-monetary relief,Yes,Yes,CR1237545,808
2015-02-12,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2015-02-12,Closed with explanation,Yes,No,CR1238444,6698
2015-02-12,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2015-02-12,Closed with explanation,Yes,Yes,CR1237300,1794
2015-02-12,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2015-02-18,Closed with explanation,Yes,Yes,CR1237325,2468
2015-02-12,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2015-02-12,Closed with monetary relief,Yes,No,CR1238453,3946
2015-02-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-02-12,Closed with monetary relief,Yes,No,CR1237348,3897
2015-02-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2015-02-12,Closed with monetary relief,Yes,No,CR1237168,3104
2015-02-11,Credit card,,Other,,,Servicemember,N/A,Web,2015-02-11,Closed with explanation,Yes,No,CR1235674,1824
2015-02-11,Credit card,,Bankruptcy,,,,N/A,Web,2015-02-18,Closed with explanation,Yes,No,CR1234929,4434
2015-02-11,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2015-02-11,Closed with non-monetary relief,Yes,No,CR1235437,4297
2015-02-11,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2015-02-11,Closed with explanation,Yes,No,CR1235520,3882
2015-02-11,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-02-11,Closed with explanation,Yes,No,CR1234858,2330
2015-02-11,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2015-02-11,Closed with explanation,Yes,No,CR1235267,2022
2015-02-11,Credit card,,Advertising and marketing,,,,N/A,Web,2015-02-11,Closed with explanation,Yes,No,CR1236082,7724
2015-02-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-02-11,Closed with explanation,Yes,No,CR1236633,1809
2015-02-10,Credit card,,Rewards,,,Older American,N/A,Web,2015-02-10,Closed with monetary relief,Yes,No,CR1234865,2309
2015-02-10,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-02-10,Closed with non-monetary relief,Yes,No,CR1235109,1946
2015-02-10,Credit card,,APR or interest rate,,,,N/A,Web,2015-02-10,Closed with explanation,Yes,No,CR1233132,2785
2015-02-10,Credit card,,Billing disputes,,,Older American,N/A,Web,2015-02-13,Closed with monetary relief,Yes,Yes,CR1232690,3117
2015-02-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-10,Closed with explanation,Yes,No,CR1233321,1114
2015-02-10,Bank account or service,Other bank product/service,Using a debit or ATM card,,,Older American,N/A,Web,2015-02-10,Closed with explanation,Yes,No,CR1232774,4636
2015-02-10,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Web,2015-02-10,Closed with explanation,Yes,No,CR1234100,10998
2015-02-09,Credit card,,Billing disputes,,,,N/A,Web,2015-02-09,Closed with monetary relief,Yes,No,CR1230944,2736
2015-02-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-02-12,Closed with explanation,Yes,No,CR1231117,180
2015-02-09,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2015-02-09,Closed with explanation,Yes,Yes,CR1231118,1401
2015-02-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-02-09,Closed with monetary relief,Yes,No,CR1230661,944
2015-02-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-02-09,Closed with explanation,Yes,Yes,CR1230914,12432
2015-02-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-02-09,Closed with explanation,Yes,Yes,CR1231788,116
2015-02-09,Bank account or service,Savings account,Deposits and withdrawals,,,Servicemember,N/A,Web,2015-02-09,Closed with monetary relief,Yes,No,CR1231335,2923
2015-02-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-02-09,Closed with explanation,Yes,No,CR1232439,2563
2015-02-08,Credit card,,Other,,,Servicemember,N/A,Web,2015-02-08,Closed with explanation,Yes,No,CR1230619,4810
2015-02-08,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Servicemember,N/A,Web,2015-02-08,Closed with explanation,Yes,No,CR1230436,4339
2015-02-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-02-08,Closed with explanation,Yes,No,CR1230463,4071
2015-02-07,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-02-07,Closed with explanation,Yes,No,CR1230367,1019
2015-02-07,Credit card,,Cash advance,,,,N/A,Web,2015-02-07,Closed with monetary relief,Yes,No,CR1230238,13608
2015-02-07,Credit card,,Balance transfer fee,,,Older American,N/A,Web,2015-02-07,Closed with explanation,Yes,Yes,CR1229963,3390
2015-02-07,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-02-11,Closed with explanation,Yes,No,CR1230134,1176
2015-02-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-02-07,Closed with explanation,Yes,No,CR1230152,2527
2015-02-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2015-02-07,Closed with explanation,Yes,No,CR1230071,412
2015-02-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2015-02-07,Closed with explanation,Yes,No,CR1230254,4600
2015-02-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-09,Closed with explanation,Yes,No,CR1230263,3397
2015-02-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-02-07,Closed with monetary relief,Yes,No,CR1230293,3421
2015-02-06,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2015-02-06,Closed with explanation,Yes,Yes,CR1229168,1857
2015-02-06,Credit card,,Billing statement,,,,N/A,Web,2015-02-06,Closed with explanation,Yes,No,CR1228341,4177
2015-02-06,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2015-02-06,Closed with explanation,Yes,Yes,CR1227888,17
2015-02-06,Credit card,,Customer service / Customer relations,,,Servicemember,N/A,Web,2015-02-06,Closed with explanation,Yes,Yes,CR1228599,2026
2015-02-06,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-02-09,Closed with explanation,Yes,No,CR1228064,4781
2015-02-06,Credit card,,Other,,,,N/A,Web,2015-02-06,Closed with monetary relief,Yes,No,CR1229373,3346
2015-02-06,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2015-02-06,Closed with explanation,Yes,No,CR1228787,2505
2015-02-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-02-06,Closed with explanation,Yes,No,CR1228295,1110
2015-02-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-02-06,Closed with explanation,Yes,No,CR1229228,7672
2015-02-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-02-06,Closed with explanation,Yes,Yes,CR1229380,8393
2015-02-06,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2015-02-06,Closed with non-monetary relief,Yes,No,CR1228491,1060
2015-02-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-06,Closed with explanation,Yes,No,CR1228843,3559
2015-02-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-02-06,Closed with monetary relief,Yes,Yes,CR1227972,1338
2015-02-05,Credit card,,Privacy,,,,N/A,Web,2015-02-05,Closed with explanation,Yes,No,CR1226298,3426
2015-02-05,Credit card,,Cash advance fee,,,,N/A,Web,2015-02-05,Closed with explanation,Yes,Yes,CR1226301,3763
2015-02-05,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-02-10,Closed with explanation,Yes,Yes,CR1227187,783
2015-02-05,Credit card,,Rewards,,,,N/A,Web,2015-02-05,Closed with explanation,Yes,Yes,CR1228159,2116
2015-02-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-02-05,Closed with explanation,Yes,No,CR1225945,2683
2015-02-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-02-05,Closed with explanation,Yes,No,CR1226644,2450
2015-02-05,Bank account or service,Other bank product/service,Using a debit or ATM card,,,Older American,N/A,Web,2015-02-05,Closed with explanation,Yes,No,CR1227449,284
2015-02-04,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Web,2015-02-11,Closed with explanation,Yes,Yes,CR1225542,4693
2015-02-04,Credit card,,Credit line increase/decrease,,,,N/A,Web,2015-02-04,Closed with explanation,Yes,Yes,CR1224049,905
2015-02-04,Credit card,,APR or interest rate,,,,N/A,Web,2015-02-04,Closed with monetary relief,Yes,No,CR1223720,9418
2015-02-04,Credit card,,Other,,,,N/A,Web,2015-02-04,Closed with explanation,Yes,No,CR1225548,1546
2015-02-04,Credit card,,Other,,,Servicemember,N/A,Web,2015-02-04,Closed with explanation,Yes,No,CR1224633,13285
2015-02-04,Credit card,,Billing disputes,,,,N/A,Web,2015-02-04,Closed with monetary relief,Yes,No,CR1224632,450
2015-02-04,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2015-02-04,Closed with monetary relief,Yes,No,CR1224001,3963
2015-02-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-02-04,Closed with explanation,Yes,Yes,CR1223942,1341
2015-02-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-02-04,Closed with explanation,Yes,No,CR1225410,2733
2015-02-03,Credit card,,Advertising and marketing,,,,N/A,Web,2015-02-03,Closed with explanation,Yes,No,CR1221595,11362
2015-02-03,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-02-06,Closed with non-monetary relief,Yes,Yes,CR1223380,6342
2015-02-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-02-03,Closed with non-monetary relief,Yes,No,CR1222943,3226
2015-02-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-02-04,Closed with explanation,Yes,No,CR1222389,187
2015-02-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-02-02,Closed with monetary relief,Yes,No,CR1221125,720
2015-02-02,Credit card,,Privacy,,,,N/A,Web,2015-02-02,Closed with explanation,Yes,No,CR1219776,3723
2015-02-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-02,Closed with monetary relief,Yes,No,CR1219927,1470
2015-02-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-02-02,Closed with monetary relief,Yes,No,CR1219877,1420
2015-02-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-02-02,Closed with explanation,Yes,Yes,CR1220478,11860
2015-02-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-02-03,Closed with monetary relief,Yes,No,CR1219884,995
2015-02-01,Credit card,,Billing disputes,,,Older American,N/A,Web,2015-02-06,Closed with explanation,Yes,No,CR1219681,1845
2015-02-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-01,Closed with non-monetary relief,Yes,No,CR1219608,3307
2015-02-01,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2015-02-01,Closed with explanation,Yes,No,CR1219665,382
2015-01-31,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Web,2015-01-31,Closed with explanation,Yes,No,CR1219455,400
2015-01-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-01-31,Closed with monetary relief,Yes,No,CR1219186,9611
2015-01-30,Credit card,,Other,,,Servicemember,N/A,Web,2015-01-30,Closed with explanation,Yes,Yes,CR1217662,5358
2015-01-30,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2015-01-30,Closed with non-monetary relief,Yes,Yes,CR1217702,4807
2015-01-30,Credit card,,Other,,,Servicemember,N/A,Web,2015-01-30,Closed with explanation,Yes,Yes,CR1217773,4332
2015-01-29,Credit card,,Other,,,,N/A,Web,2015-01-29,Closed with explanation,Yes,Yes,CR1215548,1466
2015-01-29,Credit card,,Late fee,,,,N/A,Web,2015-01-29,Closed with monetary relief,Yes,No,CR1215886,4583
2015-01-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-01-29,Closed with explanation,Yes,No,CR1215639,4276
2015-01-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-29,Closed with explanation,Yes,No,CR1216410,4542
2015-01-29,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Web,2015-02-02,Closed with explanation,Yes,Yes,CR1215600,11063
2015-01-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-29,Closed with explanation,Yes,Yes,CR1216785,2338
2015-01-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-01-29,Closed with monetary relief,Yes,Yes,CR1215756,2009
2015-01-29,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2015-01-29,Closed with non-monetary relief,Yes,Yes,CR1215852,3704
2015-01-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-01-29,Closed with monetary relief,Yes,No,CR1215861,3774
2015-01-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-29,Closed with explanation,Yes,Yes,CR1216345,6552
2015-01-28,Credit card,,Billing disputes,,,,N/A,Web,2015-01-28,Closed with explanation,Yes,Yes,CR1213704,57
2015-01-28,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2015-01-28,Closed with non-monetary relief,Yes,Yes,CR1214842,3018
2015-01-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-01-28,Closed with explanation,Yes,No,CR1213338,2681
2015-01-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-01-28,Closed with monetary relief,Yes,No,CR1215655,1816
2015-01-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-28,Closed with explanation,Yes,No,CR1213977,3527
2015-01-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-28,Closed with monetary relief,Yes,No,CR1213406,832
2015-01-27,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2015-01-27,Closed with explanation,Yes,No,CR1211527,5379
2015-01-27,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-01-27,Closed with monetary relief,Yes,No,CR1211933,3643
2015-01-27,Credit card,,Other,,,Servicemember,N/A,Web,2015-01-27,Closed with explanation,Yes,Yes,CR1211485,2896
2015-01-27,Credit card,,Payoff process,,,,N/A,Web,2015-01-27,Closed with monetary relief,Yes,No,CR1211548,3129
2015-01-27,Credit card,,Delinquent account,,,,N/A,Web,2015-01-27,Closed with explanation,Yes,Yes,CR1213438,4051
2015-01-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-01-27,Closed with explanation,Yes,No,CR1213415,2799
2015-01-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2015-01-27,Closed with non-monetary relief,Yes,No,CR1213427,2369
2015-01-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-01-27,Closed with explanation,Yes,No,CR1212464,4668
2015-01-27,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2015-01-27,Closed with monetary relief,Yes,No,CR1212846,1629
2015-01-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-27,Closed with non-monetary relief,Yes,No,CR1212239,11517
2015-01-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-27,Closed with explanation,Yes,No,CR1212601,4415
2015-01-27,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2015-01-27,Closed with explanation,Yes,No,CR1211501,2302
2015-01-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-01-27,Closed with explanation,Yes,No,CR1211796,3019
2015-01-26,Credit card,,Billing disputes,,,,N/A,Web,2015-01-26,Closed with explanation,Yes,Yes,CR1209348,1928
2015-01-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2015-01-26,Closed with monetary relief,Yes,No,CR1209795,1496
2015-01-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2015-01-26,Closed with explanation,Yes,No,CR1210021,2707
2015-01-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-26,Closed with monetary relief,Yes,No,CR1210028,2460
2015-01-26,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2015-01-26,Closed with non-monetary relief,Yes,No,CR1209404,1528
2015-01-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-01-25,Closed with explanation,Yes,No,CR1208964,1304
2015-01-24,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-01-24,Closed with monetary relief,Yes,No,CR1207711,2842
2015-01-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-01-24,Closed with explanation,Yes,No,CR1207994,2860
2015-01-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-01-24,Closed with explanation,Yes,No,CR1208057,64
2015-01-23,Credit card,,Billing disputes,,,,N/A,Web,2015-01-23,Closed with explanation,Yes,No,CR1206271,4406
2015-01-23,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2015-01-28,Closed with explanation,Yes,No,CR1206398,1011
2015-01-23,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2015-01-23,Closed with explanation,Yes,No,CR1206933,394
2015-01-23,Bank account or service,Other bank product/service,Using a debit or ATM card,,,Older American,N/A,Web,2015-01-26,Closed with explanation,Yes,No,CR1205776,3791
2015-01-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-23,Closed with non-monetary relief,Yes,Yes,CR1205888,2103
2015-01-23,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Web,2015-01-23,Closed with explanation,Yes,Yes,CR1205519,209
2015-01-22,Credit card,,Credit determination,,,,N/A,Web,2015-01-27,Closed with explanation,Yes,Yes,CR1204392,3635
2015-01-22,Credit card,,Other fee,,,,N/A,Web,2015-01-22,Closed with explanation,Yes,Yes,CR1203857,1839
2015-01-22,Credit card,,Balance transfer fee,,,,N/A,Web,2015-01-27,Closed with non-monetary relief,Yes,No,CR1204906,3141
2015-01-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-22,Closed with explanation,Yes,No,CR1203561,4406
2015-01-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-26,Closed with explanation,Yes,No,CR1203672,1383
2015-01-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-01-22,Closed with explanation,Yes,No,CR1204910,3179
2015-01-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-22,Closed with explanation,Yes,No,CR1204695,995
2015-01-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-22,Closed with monetary relief,Yes,No,CR1204494,53
2015-01-21,Credit card,,Billing disputes,,,,N/A,Web,2015-01-21,Closed with monetary relief,Yes,No,CR1202212,5223
2015-01-21,Credit card,,Advertising and marketing,,,,N/A,Web,2015-01-21,Closed with explanation,Yes,No,CR1202339,3672
2015-01-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-21,Closed with monetary relief,Yes,No,CR1201324,1107
2015-01-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-01-21,Closed with monetary relief,Yes,No,CR1201907,4040
2015-01-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-01-21,Closed with explanation,Yes,No,CR1201055,4395
2015-01-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-21,Closed with non-monetary relief,Yes,No,CR1202361,1632
2015-01-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-21,Closed with monetary relief,Yes,No,CR1203442,2287
2015-01-21,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2015-01-21,Closed with monetary relief,Yes,No,CR1201193,481
2015-01-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-01-26,Closed with monetary relief,Yes,No,CR1202057,1260
2015-01-21,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2015-01-26,Closed with explanation,Yes,No,CR1202362,3412
2015-01-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-21,Closed with non-monetary relief,Yes,No,CR1202542,1575
2015-01-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-01-23,Closed with explanation,Yes,No,CR1199013,3046
2015-01-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-01-23,Closed with explanation,Yes,No,CR1199404,2897
2015-01-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-20,Closed with non-monetary relief,Yes,No,CR1200492,9427
2015-01-19,Credit card,,Billing disputes,,,,N/A,Web,2015-01-19,Closed with explanation,Yes,No,CR1198729,4300
2015-01-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-01-19,Closed with non-monetary relief,Yes,No,CR1198580,3759
2015-01-19,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2015-01-19,Closed with explanation,Yes,Yes,CR1198466,578
2015-01-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-01-19,Closed with explanation,Yes,No,CR1198849,4191
2015-01-18,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2015-01-22,Closed with explanation,Yes,No,CR1198307,803
2015-01-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-01-18,Closed with explanation,Yes,Yes,CR1198367,2637
2015-01-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-18,Closed with explanation,Yes,Yes,CR1198231,1569
2015-01-17,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2015-01-17,Closed with monetary relief,Yes,No,CR1197878,9370
2015-01-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-02-26,Closed with explanation,Yes,Yes,CR1198097,898
2015-01-16,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2015-01-16,Closed with explanation,Yes,No,CR1197320,6892
2015-01-16,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-01-16,Closed with monetary relief,Yes,No,CR1196262,972
2015-01-16,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2015-01-16,Closed with monetary relief,Yes,No,CR1196242,3141
2015-01-16,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Web,2015-01-21,Closed with explanation,Yes,No,CR1196396,2227
2015-01-16,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2015-01-16,Closed with explanation,Yes,No,CR1196526,3873
2015-01-16,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2015-01-16,Closed with monetary relief,Yes,No,CR1197522,3624
2015-01-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-16,Closed with monetary relief,Yes,No,CR1198212,7797
2015-01-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-16,Closed with explanation,No,Yes,CR1197477,75
2015-01-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-16,Closed with explanation,Yes,No,CR1196886,11596
2015-01-15,Credit card,,Privacy,,,,N/A,Web,2015-02-03,Closed with non-monetary relief,Yes,No,CR1194263,4805
2015-01-15,Credit card,,Transaction issue,,,Older American,N/A,Web,2015-01-15,Closed with explanation,Yes,No,CR1194280,2158
2015-01-15,Credit card,,Billing statement,,,,N/A,Web,2015-01-15,Closed with explanation,Yes,No,CR1194324,972
2015-01-15,Credit card,,Other,,,,N/A,Web,2015-01-20,Closed with explanation,Yes,Yes,CR1195647,565
2015-01-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-15,Closed with explanation,Yes,No,CR1195909,2951
2015-01-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-01-15,Closed with monetary relief,Yes,No,CR1194418,2433
2015-01-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-15,Closed with explanation,Yes,No,CR1194923,9776
2015-01-15,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2015-01-15,Closed with monetary relief,Yes,No,CR1195232,295
2015-01-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-15,Closed with monetary relief,Yes,No,CR1194219,12851
2015-01-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-01-15,Closed with non-monetary relief,Yes,Yes,CR1194425,2303
2015-01-15,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2015-01-15,Closed with monetary relief,Yes,No,CR1196211,3636
2015-01-14,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2015-01-14,Closed with explanation,Yes,Yes,CR1192918,3664
2015-01-14,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2015-01-14,Closed with non-monetary relief,Yes,Yes,CR1192717,357
2015-01-14,Credit card,,Billing disputes,,,,N/A,Web,2015-01-14,Closed with explanation,Yes,No,CR1193410,4722
2015-01-14,Credit card,,Late fee,,,,N/A,Web,2015-01-14,Closed with explanation,Yes,Yes,CR1192901,3565
2015-01-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-14,Closed with non-monetary relief,Yes,No,CR1194188,2088
2015-01-14,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2015-01-14,Closed with explanation,Yes,No,CR1191731,2608
2015-01-14,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2015-01-16,Closed with explanation,Yes,No,CR1191916,9505
2015-01-13,Credit card,,Billing disputes,,,,N/A,Web,2015-01-13,Closed with explanation,Yes,No,CR1201032,4569
2015-01-13,Credit card,,Billing disputes,,,Older American,N/A,Web,2015-01-13,Closed with non-monetary relief,Yes,No,CR1205605,2048
2015-01-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2015-01-16,Closed with explanation,Yes,No,CR1196046,7586
2015-01-13,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2015-01-13,Closed with explanation,Yes,Yes,CR1192034,8064
2015-01-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-13,Closed with explanation,Yes,No,CR1205565,9880
2015-01-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-13,Closed with monetary relief,Yes,No,CR1205529,10350
2015-01-12,Credit card,,Late fee,,,,N/A,Web,2015-01-12,Closed with explanation,Yes,No,CR1190112,2397
2015-01-12,Credit card,,Credit line increase/decrease,,,,N/A,Web,2015-01-12,Closed with explanation,Yes,No,CR1189833,4565
2015-01-12,Credit card,,Billing statement,,,,N/A,Web,2015-01-12,Closed with explanation,Yes,No,CR1191168,12163
2015-01-12,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2015-01-12,Closed with explanation,Yes,Yes,CR1190452,1071
2015-01-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2015-01-12,Closed with explanation,Yes,No,CR1189740,768
2015-01-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2015-01-12,Closed with monetary relief,Yes,No,CR1190597,3099
2015-01-11,Credit card,,Other,,,,N/A,Web,2015-01-11,Closed with explanation,Yes,No,CR1189596,4644
2015-01-11,Credit card,,Customer service / Customer relations,,,,N/A,Web,2015-01-11,Closed with explanation,Yes,No,CR1189546,417
2015-01-11,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2015-01-11,Closed with explanation,Yes,Yes,CR1189651,312
2015-01-11,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2015-01-11,Closed with explanation,Yes,No,CR1189616,13548
2015-01-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-11,Closed with explanation,Yes,No,CR1189664,2719
2015-01-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-01-11,Closed with monetary relief,Yes,No,CR1189661,3244
2015-01-10,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2015-01-10,Closed with explanation,Yes,No,CR1189440,1041
2015-01-10,Credit card,,Late fee,,,Servicemember,N/A,Web,2015-02-03,Closed with non-monetary relief,Yes,Yes,CR1189317,3298
2015-01-10,Credit card,,Billing disputes,,,,N/A,Web,2015-01-10,Closed with explanation,Yes,No,CR1189328,2011
2015-01-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-10,Closed with explanation,Yes,No,CR1189431,4745
2015-01-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-14,Closed with explanation,Yes,Yes,CR1189363,1616
2015-01-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-01-14,Closed with explanation,Yes,Yes,CR1189291,4794
2015-01-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-10,Closed with monetary relief,Yes,No,CR1189206,1955
2015-01-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-10,Closed with explanation,Yes,No,CR1189478,1812
2015-01-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-10,Closed with monetary relief,Yes,No,CR1189270,1206
2015-01-09,Credit card,,Other,,,,N/A,Web,2015-01-12,Closed with explanation,Yes,No,CR1188781,1473
2015-01-09,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2015-01-09,Closed with explanation,Yes,No,CR1187731,6478
2015-01-09,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2015-01-09,Closed with explanation,Yes,Yes,CR1188801,1785
2015-01-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-14,Closed with monetary relief,Yes,No,CR1187943,4387
2015-01-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-01-09,Closed with explanation,Yes,No,CR1188145,1456
2015-01-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-09,Closed with explanation,Yes,No,CR1187572,334
2015-01-08,Credit card,,Billing disputes,,,,N/A,Web,2015-01-08,Closed with monetary relief,Yes,No,CR1187040,1093
2015-01-08,Credit card,,Privacy,,,,N/A,Web,2015-01-08,Closed with non-monetary relief,Yes,No,CR1187061,1322
2015-01-08,Credit card,,Transaction issue,,,,N/A,Web,2015-01-15,Closed with explanation,Yes,No,CR1185876,2567
2015-01-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-01-08,Closed with explanation,Yes,No,CR1185786,2271
2015-01-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-08,Closed with explanation,Yes,No,CR1187122,3434
2015-01-08,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Web,2015-01-08,Closed with explanation,Yes,No,CR1186551,3950
2015-01-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-12,Closed with monetary relief,Yes,No,CR1185862,2534
2015-01-07,Credit card,,APR or interest rate,,,Older American,N/A,Web,2015-01-07,Closed with monetary relief,Yes,No,CR1185150,862
2015-01-07,Credit card,,Delinquent account,,,,N/A,Web,2015-01-07,Closed with non-monetary relief,Yes,No,CR1185057,3985
2015-01-07,Credit card,,Other,,,,N/A,Web,2015-01-13,Closed with explanation,Yes,No,CR1183648,1233
2015-01-07,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2015-01-07,Closed with explanation,Yes,No,CR1184452,707
2015-01-07,Credit card,,Customer service / Customer relations,,,"Older American, Servicemember",N/A,Web,2015-01-12,Closed with explanation,Yes,No,CR1184585,3857
2015-01-07,Credit card,,Other,,,,N/A,Web,2015-01-07,Closed with explanation,Yes,Yes,CR1184227,1925
2015-01-07,Credit card,,Late fee,,,,N/A,Web,2015-01-12,Closed with monetary relief,Yes,No,CR1183861,12095
2015-01-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-07,Closed with monetary relief,Yes,No,CR1183686,1287
2015-01-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-01-20,Closed,Yes,Yes,CR1185052,1717
2015-01-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-07,Closed with explanation,Yes,No,CR1185242,266
2015-01-06,Credit card,,Billing disputes,,,,N/A,Web,2015-01-06,Closed with explanation,Yes,Yes,CR1183147,10095
2015-01-06,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2015-01-06,Closed with explanation,Yes,No,CR1181938,3688
2015-01-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-01-06,Closed with monetary relief,Yes,No,CR1182454,3620
2015-01-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-06,Closed with explanation,Yes,No,CR1183152,651
2015-01-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-06,Closed with explanation,Yes,No,CR1181959,1750
2015-01-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-06,Closed with explanation,Yes,No,CR1181966,1923
2015-01-05,Credit card,,Late fee,,,,N/A,Web,2015-01-05,Closed with explanation,Yes,Yes,CR1180510,392
2015-01-05,Credit card,,Billing disputes,,,Older American,N/A,Web,2015-01-05,Closed with explanation,Yes,Yes,CR1181436,1000
2015-01-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-05,Closed with explanation,Yes,Yes,CR1180493,1055
2015-01-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-05,Closed with monetary relief,Yes,Yes,CR1180619,3021
2015-01-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-05,Closed with non-monetary relief,Yes,No,CR1180727,2305
2015-01-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-01-05,Closed with non-monetary relief,Yes,Yes,CR1181119,6257
2015-01-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-01-05,Closed with monetary relief,Yes,No,CR1180219,4244
2015-01-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-01-05,Closed with monetary relief,Yes,No,CR1180092,3269
2015-01-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-01-07,Closed with monetary relief,Yes,No,CR1181014,3307
2015-01-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-09,Closed with explanation,Yes,No,CR1181354,4522
2015-01-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2015-01-05,Closed with monetary relief,Yes,No,CR1180622,277
2015-01-04,Credit card,,Billing disputes,,,,N/A,Web,2015-01-04,Closed with monetary relief,Yes,No,CR1179884,556
2015-01-04,Credit card,,Billing statement,,,,N/A,Web,2015-01-04,Closed with non-monetary relief,Yes,No,CR1179945,3236
2015-01-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-07,Closed with monetary relief,Yes,No,CR1180003,11381
2015-01-03,Credit card,,Rewards,,,,N/A,Web,2015-01-03,Closed with explanation,Yes,No,CR1179678,2676
2015-01-03,Credit card,,Billing disputes,,,,N/A,Web,2015-01-03,Closed with monetary relief,Yes,No,CR1179699,560
2015-01-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2015-01-03,Closed with monetary relief,No,No,CR1179507,3352
2015-01-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-03,Closed with explanation,Yes,Yes,CR1179711,3317
2015-01-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-01-03,Closed with monetary relief,Yes,No,CR1179568,4505
2015-01-02,Credit card,,Billing disputes,,,,N/A,Web,2015-01-02,Closed with explanation,Yes,No,CR1179173,2218
2015-01-02,Credit card,,Billing disputes,,,,N/A,Web,2015-01-09,Closed with explanation,Yes,No,CR1178167,1029
2015-01-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2015-01-02,Closed with monetary relief,Yes,No,CR1178495,2355
2015-01-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-02,Closed with non-monetary relief,Yes,No,CR1178557,3520
2015-01-02,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2015-01-02,Closed with monetary relief,Yes,No,CR1179776,3394
2015-01-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-02,Closed with explanation,Yes,Yes,CR1178297,4330
2015-01-01,Credit card,,Billing disputes,,,,N/A,Web,2015-01-01,Closed with explanation,Yes,No,CR1177932,747
2014-12-31,Credit card,,Other,,,,N/A,Web,2014-12-31,Closed with explanation,Yes,No,CR1177181,4594
2014-12-31,Credit card,,Late fee,,,,N/A,Web,2014-12-31,Closed with monetary relief,Yes,Yes,CR1177423,4607
2014-12-31,Credit card,,Billing disputes,,,,N/A,Web,2014-12-31,Closed with monetary relief,Yes,No,CR1176577,3806
2014-12-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-31,Closed with explanation,Yes,No,CR1177471,4387
2014-12-31,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-12-31,Closed with monetary relief,Yes,No,CR1177035,4667
2014-12-31,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-12-31,Closed with monetary relief,Yes,No,CR1176673,2202
2014-12-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-31,Closed with explanation,Yes,No,CR1177021,285
2014-12-31,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-12-31,Closed with monetary relief,Yes,No,CR1176376,707
2014-12-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-12-31,Closed with explanation,Yes,No,CR1176379,2583
2014-12-30,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-12-30,Closed with monetary relief,Yes,Yes,CR1175845,1072
2014-12-30,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-12-30,Closed with explanation,Yes,No,CR1175395,1640
2014-12-30,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-12-30,Closed with explanation,Yes,No,CR1175350,397
2014-12-30,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-12-30,Closed with explanation,Yes,No,CR1175599,798
2014-12-30,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Web,2014-12-30,Closed with monetary relief,Yes,No,CR1174579,1033
2014-12-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-12-30,Closed with explanation,Yes,No,CR1175440,6417
2014-12-29,Credit card,,Closing/Cancelling account,,,,N/A,Web,2015-01-05,Closed with explanation,Yes,No,CR1172637,6318
2014-12-29,Credit card,,Delinquent account,,,,N/A,Web,2014-12-29,Closed with explanation,Yes,No,CR1173668,3349
2014-12-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-12-29,Closed with explanation,Yes,Yes,CR1172436,1543
2014-12-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-12-29,Closed with explanation,Yes,No,CR1173198,11409
2014-12-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-29,Closed with explanation,Yes,No,CR1173841,10636
2014-12-29,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-12-29,Closed with monetary relief,Yes,No,CR1172596,4003
2014-12-29,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-12-29,Closed with explanation,Yes,No,CR1173787,2741
2014-12-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-05,Closed with explanation,Yes,No,CR1173069,4400
2014-12-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-12-29,Closed with explanation,Yes,No,CR1173468,3087
2014-12-28,Credit card,,APR or interest rate,,,,N/A,Web,2014-12-28,Closed with explanation,Yes,No,CR1172138,1657
2014-12-28,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,N/A,Web,2015-01-05,Closed with explanation,Yes,No,CR1172265,3219
2014-12-27,Credit card,,Billing statement,,,,N/A,Web,2014-12-27,Closed with explanation,Yes,No,CR1172022,3074
2014-12-27,Credit card,,Late fee,,,,N/A,Web,2014-12-27,Closed with monetary relief,Yes,No,CR1171934,1531
2014-12-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-27,Closed with non-monetary relief,Yes,No,CR1171983,2614
2014-12-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-12-27,Closed with explanation,Yes,No,CR1171961,6256
2014-12-26,Credit card,,Other,,,,N/A,Web,2014-12-26,Closed with explanation,Yes,No,CR1171627,1355
2014-12-26,Credit card,,Balance transfer fee,,,Older American,N/A,Web,2014-12-26,Closed with explanation,Yes,No,CR1171263,5313
2014-12-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-26,Closed with explanation,Yes,No,CR1171563,1393
2014-12-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-12-26,Closed with explanation,Yes,Yes,CR1171671,528
2014-12-26,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Web,2014-12-26,Closed with explanation,Yes,No,CR1171139,1248
2014-12-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-25,Closed with explanation,Yes,No,CR1170941,4041
2014-12-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-25,Closed with monetary relief,Yes,No,CR1170902,459
2014-12-24,Credit card,,Credit line increase/decrease,,,,N/A,Web,2015-01-02,Closed with explanation,Yes,Yes,CR1170213,4726
2014-12-24,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-12-24,Closed with explanation,Yes,No,CR1170393,268
2014-12-24,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-12-24,Closed with explanation,Yes,No,CR1170481,8064
2014-12-24,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-12-24,Closed with explanation,Yes,Yes,CR1170575,29
2014-12-24,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-12-24,Closed with non-monetary relief,Yes,Yes,CR1170031,4499
2014-12-23,Credit card,,Transaction issue,,,,N/A,Web,2014-12-23,Closed with monetary relief,Yes,No,CR1168285,3839
2014-12-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-23,Closed with explanation,Yes,Yes,CR1169950,13380
2014-12-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-23,Closed with monetary relief,Yes,No,CR1168980,1134
2014-12-23,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Web,2014-12-23,Closed with explanation,Yes,No,CR1167784,3389
2014-12-22,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-12-22,Closed with explanation,Yes,No,CR1166069,4927
2014-12-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-22,Closed with explanation,Yes,Yes,CR1166745,746
2014-12-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-22,Closed with monetary relief,Yes,No,CR1166812,809
2014-12-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-22,Closed with monetary relief,Yes,Yes,CR1167586,4491
2014-12-21,Credit card,,Other fee,,,,N/A,Web,2014-12-21,Closed with explanation,Yes,Yes,CR1165573,3610
2014-12-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-12-21,Closed with explanation,Yes,No,CR1165677,3330
2014-12-20,Credit card,,Rewards,,,,N/A,Web,2014-12-20,Closed with explanation,Yes,No,CR1165379,5858
2014-12-20,Credit card,,Rewards,,,,N/A,Web,2014-12-20,Closed with monetary relief,Yes,No,CR1165456,3910
2014-12-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-20,Closed with monetary relief,Yes,No,CR1165304,4959
2014-12-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-20,Closed with explanation,Yes,No,CR1165360,3026
2014-12-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-12-22,Closed with explanation,Yes,Yes,CR1165354,10276
2014-12-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-20,Closed with monetary relief,Yes,No,CR1165296,3302
2014-12-19,Credit card,,Transaction issue,,,,N/A,Web,2014-12-19,Closed with explanation,Yes,No,CR1164793,2957
2014-12-19,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-12-19,Closed with explanation,Yes,No,CR1164160,1476
2014-12-19,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-12-23,Closed with explanation,Yes,Yes,CR1164999,1721
2014-12-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-19,Closed with explanation,Yes,No,CR1164021,804
2014-12-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-23,Closed with explanation,Yes,No,CR1164274,3990
2014-12-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-19,Closed with non-monetary relief,Yes,No,CR1164757,3898
2014-12-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-22,Closed with non-monetary relief,Yes,No,CR1164831,5067
2014-12-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-22,Closed with monetary relief,Yes,Yes,CR1164689,2570
2014-12-19,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Web,2014-12-19,Closed with explanation,Yes,No,CR1164957,11034
2014-12-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-12-18,Closed with explanation,Yes,No,CR1162898,4519
2014-12-18,Credit card,,Billing disputes,,,,N/A,Web,2014-12-18,Closed with explanation,Yes,No,CR1162244,541
2014-12-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2015-01-23,Closed with explanation,Yes,No,CR1161944,1478
2014-12-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-12-19,Closed with explanation,Yes,No,CR1162197,533
2014-12-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-18,Closed with explanation,Yes,No,CR1162278,672
2014-12-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-18,Closed with monetary relief,Yes,Yes,CR1162798,8463
2014-12-17,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-12-17,Closed with explanation,Yes,No,CR1160500,10023
2014-12-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-17,Closed with monetary relief,Yes,Yes,CR1161512,1281
2014-12-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-17,Closed with monetary relief,Yes,Yes,CR1160569,3834
2014-12-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-17,Closed with monetary relief,Yes,No,CR1161349,436
2014-12-16,Credit card,,Transaction issue,,,,N/A,Web,2014-12-16,Closed with explanation,Yes,Yes,CR1159017,4767
2014-12-16,Credit card,,Other fee,,,,N/A,Web,2014-12-16,Closed with explanation,Yes,Yes,CR1158166,3701
2014-12-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-12-17,Closed with monetary relief,Yes,No,CR1158232,10269
2014-12-16,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-12-16,Closed with monetary relief,Yes,No,CR1159590,423
2014-12-16,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2015-01-21,Closed,Yes,Yes,CR1157983,1131
2014-12-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-17,Closed with explanation,Yes,No,CR1157800,1941
2014-12-16,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Web,2014-12-16,Closed with explanation,Yes,No,CR1158832,1505
2014-12-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-12-16,Closed with explanation,Yes,No,CR1158414,2045
2014-12-15,Credit card,,Other fee,,,,N/A,Web,2014-12-15,Closed with explanation,Yes,No,CR1156198,835
2014-12-15,Credit card,,Credit determination,,,,N/A,Web,2014-12-15,Closed with explanation,Yes,No,CR1156309,4165
2014-12-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-12-15,Closed with explanation,Yes,No,CR1156280,5319
2014-12-15,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-12-15,Closed with explanation,Yes,No,CR1157100,846
2014-12-15,Credit card,,Billing disputes,,,,N/A,Web,2014-12-17,Closed with explanation,Yes,No,CR1156219,4722
2014-12-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-17,Closed with explanation,Yes,No,CR1155984,3949
2014-12-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-15,Closed with explanation,Yes,No,CR1156052,3035
2014-12-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-12-15,Closed with explanation,Yes,Yes,CR1157225,11755
2014-12-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-15,Closed with monetary relief,Yes,No,CR1156059,358
2014-12-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-15,Closed with explanation,Yes,Yes,CR1156296,1037
2014-12-14,Credit card,,Other,,,,N/A,Web,2014-12-14,Closed with explanation,Yes,No,CR1155856,4657
2014-12-14,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2014-12-14,Closed with monetary relief,Yes,No,CR1155925,4915
2014-12-14,Credit card,,Advertising and marketing,,,Older American,N/A,Web,2014-12-14,Closed with explanation,Yes,No,CR1155910,3558
2014-12-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-14,Closed with explanation,Yes,No,CR1155857,1719
2014-12-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-14,Closed with explanation,Yes,No,CR1155875,2844
2014-12-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-14,Closed with monetary relief,Yes,No,CR1155854,1932
2014-12-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-14,Closed with explanation,Yes,Yes,CR1155929,3970
2014-12-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-14,Closed with explanation,Yes,No,CR1155968,4815
2014-12-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-14,Closed with explanation,Yes,No,CR1155884,5701
2014-12-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-12-13,Closed with explanation,Yes,No,CR1155466,3927
2014-12-13,Credit card,,Delinquent account,,,,N/A,Web,2014-12-13,Closed with explanation,Yes,Yes,CR1155617,2181
2014-12-13,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-12-13,Closed with explanation,Yes,No,CR1155739,2853
2014-12-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-13,Closed with monetary relief,Yes,No,CR1155666,2253
2014-12-12,Credit card,,Rewards,,,,N/A,Web,2014-12-12,Closed with explanation,Yes,No,CR1154103,1878
2014-12-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-12,Closed with monetary relief,Yes,No,CR1154825,4299
2014-12-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-15,Closed with monetary relief,Yes,No,CR1153949,5389
2014-12-12,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,Older American,N/A,Web,2014-12-12,Closed with explanation,Yes,No,CR1154004,4540
2014-12-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-12,Closed with monetary relief,Yes,No,CR1154047,1279
2014-12-12,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-12-12,Closed with explanation,Yes,No,CR1154619,3370
2014-12-12,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2014-12-12,Closed with explanation,Yes,No,CR1155172,1706
2014-12-11,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-12-11,Closed with explanation,Yes,No,CR1152210,3670
2014-12-11,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-12-11,Closed with explanation,Yes,Yes,CR1151921,2647
2014-12-11,Credit card,,Other,,,,N/A,Web,2014-12-11,Closed with explanation,Yes,Yes,CR1151875,6408
2014-12-11,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-12-11,Closed with monetary relief,Yes,No,CR1152150,548
2014-12-11,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-12-11,Closed with explanation,Yes,No,CR1152118,2079
2014-12-10,Credit card,,Delinquent account,,,,N/A,Web,2014-12-10,Closed with explanation,Yes,No,CR1150364,1131
2014-12-10,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-12-10,Closed with explanation,Yes,No,CR1150841,2344
2014-12-10,Credit card,,Rewards,,,,N/A,Web,2014-12-12,Closed with explanation,Yes,No,CR1151388,699
2014-12-10,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Web,2014-12-10,Closed with explanation,Yes,No,CR1150523,1896
2014-12-10,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-12-10,Closed with explanation,Yes,Yes,CR1151620,4024
2014-12-10,Bank account or service,(CD) Certificate of deposit,"Making/receiving payments, sending money",,,,N/A,Web,2014-12-10,Closed with non-monetary relief,Yes,No,CR1151214,4098
2014-12-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-10,Closed with non-monetary relief,Yes,No,CR1150109,1174
2014-12-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-10,Closed with monetary relief,Yes,No,CR1150430,2045
2014-12-09,Credit card,,APR or interest rate,,,,N/A,Web,2014-12-09,Closed with explanation,Yes,Yes,CR1148877,1482
2014-12-09,Credit card,,Transaction issue,,,,N/A,Web,2014-12-15,Closed with explanation,Yes,No,CR1149677,2655
2014-12-09,Credit card,,Other,,,,N/A,Web,2014-12-11,Closed with explanation,Yes,Yes,CR1148779,12943
2014-12-09,Credit card,,Rewards,,,,N/A,Web,2014-12-09,Closed with explanation,Yes,No,CR1149539,5237
2014-12-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-09,Closed with monetary relief,Yes,No,CR1148496,4564
2014-12-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-09,Closed with monetary relief,Yes,No,CR1149424,3758
2014-12-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-09,Closed with explanation,Yes,No,CR1148254,2618
2014-12-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-12-09,Closed with explanation,Yes,Yes,CR1148780,12843
2014-12-08,Credit card,,APR or interest rate,,,,N/A,Web,2014-12-08,Closed with explanation,Yes,No,CR1147105,4420
2014-12-08,Credit card,,Credit determination,,,,N/A,Web,2014-12-08,Closed with explanation,Yes,Yes,CR1146592,4604
2014-12-08,Credit card,,Other,,,,N/A,Web,2014-12-08,Closed with explanation,Yes,No,CR1147638,4785
2014-12-08,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-12-08,Closed with explanation,Yes,No,CR1146790,12359
2014-12-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-12-08,Closed with explanation,Yes,No,CR1147382,3287
2014-12-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-08,Closed with non-monetary relief,Yes,No,CR1146661,2305
2014-12-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-12-08,Closed with monetary relief,Yes,No,CR1147605,189
2014-12-07,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-12-07,Closed with explanation,Yes,No,CR1146237,2235
2014-12-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-07,Closed with explanation,Yes,No,CR1146260,2855
2014-12-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-07,Closed with explanation,Yes,No,CR1146261,4861
2014-12-06,Credit card,,Sale of account,,,,N/A,Web,2014-12-10,Closed with non-monetary relief,Yes,Yes,CR1145764,2208
2014-12-06,Credit card,,Billing statement,,,,N/A,Web,2014-12-06,Closed with explanation,Yes,No,CR1145961,3227
2014-12-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-12-06,Closed with explanation,Yes,No,CR1145821,1063
2014-12-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-12-06,Closed with non-monetary relief,Yes,No,CR1146002,3748
2014-12-06,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Servicemember,N/A,Web,2014-12-06,Closed with explanation,Yes,No,CR1146011,431
2014-12-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-06,Closed with monetary relief,Yes,No,CR1146087,706
2014-12-05,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-12-09,Closed with explanation,Yes,Yes,CR1144245,1044
2014-12-05,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-12-05,Closed with explanation,Yes,Yes,CR1144345,1370
2014-12-05,Credit card,,Other,,,,N/A,Web,2014-12-10,Closed with explanation,Yes,Yes,CR1143908,1237
2014-12-05,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Web,2014-12-08,Closed with explanation,Yes,No,CR1144746,4397
2014-12-05,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-12-05,Closed with monetary relief,Yes,No,CR1144140,4746
2014-12-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-05,Closed with explanation,Yes,No,CR1145193,4411
2014-12-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-05,Closed with monetary relief,Yes,No,CR1143983,914
2014-12-04,Credit card,,APR or interest rate,,,,N/A,Web,2014-12-04,Closed with monetary relief,Yes,No,CR1142407,207
2014-12-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-04,Closed with explanation,Yes,No,CR1142250,3603
2014-12-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-05,Closed with explanation,Yes,No,CR1142498,4762
2014-12-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-04,Closed with monetary relief,Yes,No,CR1143711,2465
2014-12-04,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-12-04,Closed with explanation,Yes,Yes,CR1143712,3311
2014-12-04,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-12-04,Closed with explanation,Yes,No,CR1142085,1646
2014-12-03,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-12-03,Closed with explanation,Yes,No,CR1140631,1226
2014-12-03,Credit card,,Payoff process,,,,N/A,Web,2014-12-03,Closed with explanation,Yes,No,CR1141388,1386
2014-12-03,Credit card,,APR or interest rate,,,Older American,N/A,Web,2014-12-05,Closed with explanation,Yes,No,CR1140201,3036
2014-12-03,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2014-12-03,Closed with explanation,Yes,No,CR1141155,2684
2014-12-03,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Web,2014-12-08,Closed with non-monetary relief,Yes,No,CR1141239,1779
2014-12-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-03,Closed with monetary relief,Yes,No,CR1140564,2555
2014-12-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-03,Closed with explanation,Yes,No,CR1140593,3205
2014-12-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-03,Closed with monetary relief,Yes,No,CR1140453,3700
2014-12-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-03,Closed with explanation,Yes,Yes,CR1142031,10828
2014-12-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-12-02,Closed with explanation,Yes,No,CR1138913,2755
2014-12-02,Credit card,,Balance transfer fee,,,Older American,N/A,Web,2014-12-02,Closed with explanation,Yes,No,CR1138491,4796
2014-12-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-02,Closed with monetary relief,Yes,No,CR1138600,2644
2014-12-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-02,Closed with explanation,Yes,No,CR1138809,4107
2014-12-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-12-02,Closed with monetary relief,Yes,No,CR1138274,256
2014-12-01,Credit card,,Other,,,,N/A,Web,2014-12-01,Closed with explanation,Yes,Yes,CR1136499,4634
2014-12-01,Credit card,,Balance transfer,,,,N/A,Web,2014-12-01,Closed with explanation,Yes,Yes,CR1137446,996
2014-12-01,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-12-01,Closed with explanation,Yes,No,CR1136512,4163
2014-12-01,Credit card,,Payoff process,,,Older American,N/A,Web,2014-12-01,Closed with explanation,Yes,No,CR1136190,142
2014-12-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-01,Closed with explanation,Yes,No,CR1136574,4103
2014-12-01,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Web,2014-12-01,Closed with explanation,Yes,No,CR1137502,332
2014-12-01,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-12-05,Closed with explanation,Yes,No,CR1137671,704
2014-12-01,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2014-12-01,Closed with monetary relief,Yes,No,CR1136321,44
2014-12-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-01,Closed with explanation,Yes,No,CR1136875,518
2014-12-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-12-17,Closed with explanation,Yes,No,CR1136527,1586
2014-11-30,Credit card,,Other,,,Older American,N/A,Web,2014-11-30,Closed with explanation,Yes,No,CR1136027,793
2014-11-30,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-11-30,Closed with monetary relief,Yes,No,CR1136026,654
2014-11-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-11-29,Closed with monetary relief,Yes,No,CR1135749,4956
2014-11-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-11-28,Closed with explanation,Yes,No,CR1134916,1424
2014-11-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-12-01,Closed with explanation,Yes,No,CR1135000,2167
2014-11-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-28,Closed with monetary relief,Yes,No,CR1135018,4221
2014-11-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-11-28,Closed with explanation,Yes,Yes,CR1135420,2762
2014-11-28,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-11-28,Closed with explanation,Yes,No,CR1134643,3149
2014-11-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-12-04,Closed with explanation,Yes,No,CR1134644,456
2014-11-26,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-11-26,Closed with explanation,Yes,No,CR1132448,13404
2014-11-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-26,Closed with monetary relief,Yes,No,CR1133487,4692
2014-11-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-11-26,Closed with explanation,Yes,Yes,CR1132390,1223
2014-11-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-26,Closed with monetary relief,Yes,Yes,CR1134154,3225
2014-11-25,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-11-25,Closed with explanation,Yes,Yes,CR1131167,11130
2014-11-25,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-11-25,Closed with monetary relief,Yes,Yes,CR1130582,4472
2014-11-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2015-01-02,Closed with explanation,Yes,No,CR1131364,4623
2014-11-25,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Servicemember,N/A,Web,2014-12-02,Closed with non-monetary relief,Yes,No,CR1131682,1161
2014-11-25,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-12-02,Closed with explanation,Yes,No,CR1130618,892
2014-11-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-11-25,Closed with explanation,Yes,Yes,CR1130664,406
2014-11-24,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-11-24,Closed with explanation,Yes,Yes,CR1127717,358
2014-11-24,Credit card,,Other,,,,N/A,Web,2014-12-08,Closed with explanation,Yes,No,CR1129576,709
2014-11-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-12-01,Closed with explanation,Yes,No,CR1129379,3235
2014-11-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-11-24,Closed with explanation,Yes,No,CR1128661,5911
2014-11-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-11-24,Closed with monetary relief,Yes,No,CR1128891,3818
2014-11-23,Credit card,,Billing disputes,,,,N/A,Web,2014-11-23,Closed with explanation,Yes,Yes,CR1125714,3556
2014-11-23,Credit card,,Billing disputes,,,,N/A,Web,2014-12-04,Closed with explanation,Yes,Yes,CR1125761,4169
2014-11-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-11-23,Closed with monetary relief,Yes,No,CR1125750,1488
2014-11-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-11-22,Closed with monetary relief,Yes,Yes,CR1125435,254
2014-11-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-22,Closed with monetary relief,Yes,No,CR1125614,3574
2014-11-22,Bank account or service,Checking account,Using a debit or ATM card,,,Servicemember,N/A,Web,2014-11-22,Closed with explanation,Yes,No,CR1125547,3962
2014-11-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-11-22,Closed with explanation,Yes,No,CR1125475,2785
2014-11-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2014-11-22,Closed with explanation,Yes,No,CR1125278,3780
2014-11-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-11-22,Closed with explanation,Yes,No,CR1125276,8548
2014-11-21,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-11-21,Closed with explanation,Yes,Yes,CR1138329,3300
2014-11-21,Credit card,,Privacy,,,,N/A,Web,2014-12-01,Closed with explanation,Yes,Yes,CR1125122,725
2014-11-21,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Web,2014-11-28,Closed with monetary relief,Yes,No,CR1134783,13451
2014-11-21,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-11-21,Closed with explanation,Yes,No,CR1128224,1371
2014-11-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-11-28,Closed with explanation,Yes,No,CR1134581,4716
2014-11-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-12-01,Closed with explanation,Yes,No,CR1134584,2552
2014-11-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-11-21,Closed with explanation,Yes,No,CR1140328,3183
2014-11-20,Credit card,,Transaction issue,,,,N/A,Web,2014-11-28,Closed with explanation,Yes,No,CR1132572,12325
2014-11-20,Credit card,,Late fee,,,,N/A,Web,2014-11-20,Closed with explanation,Yes,No,CR1124175,4142
2014-11-20,Credit card,,Billing disputes,,,,N/A,Web,2014-11-20,Closed with explanation,Yes,Yes,CR1126765,2294
2014-11-20,Credit card,,Credit line increase/decrease,,,Servicemember,N/A,Web,2014-11-20,Closed with explanation,Yes,No,CR1124383,708
2014-11-20,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-11-20,Closed with explanation,Yes,No,CR1144051,1591
2014-11-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-11-20,Closed with explanation,Yes,No,CR1140315,2831
2014-11-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-20,Closed with monetary relief,Yes,No,CR1126875,13915
2014-11-20,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-11-20,Closed with explanation,Yes,No,CR1125279,372
2014-11-19,Credit card,,Convenience checks,,,,N/A,Web,2014-11-19,Closed with explanation,Yes,Yes,CR1125793,4017
2014-11-19,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-11-19,Closed with explanation,Yes,No,CR1123046,3862
2014-11-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-11-19,Closed with monetary relief,Yes,No,CR1125788,1686
2014-11-18,Credit card,,Balance transfer,,,Servicemember,N/A,Web,2014-11-18,Closed with explanation,Yes,Yes,CR1120981,98
2014-11-18,Credit card,,Payoff process,,,,N/A,Web,2014-11-18,Closed with explanation,Yes,Yes,CR1121741,4633
2014-11-18,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-11-18,Closed with explanation,Yes,No,CR1121550,1060
2014-11-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-18,Closed with explanation,Yes,No,CR1121658,11314
2014-11-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-11-18,Closed with explanation,Yes,No,CR1122288,1326
2014-11-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-11-20,Closed with explanation,Yes,Yes,CR1122634,4429
2014-11-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-11-18,Closed with explanation,Yes,No,CR1121932,3007
2014-11-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-18,Closed with monetary relief,Yes,No,CR1122298,3606
2014-11-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-11-18,Closed,Yes,Yes,CR1122257,1687
2014-11-17,Credit card,,Billing statement,,,,N/A,Web,2014-11-17,Closed with explanation,Yes,No,CR1120932,2497
2014-11-17,Credit card,,Billing disputes,,,,N/A,Web,2014-11-17,Closed with explanation,Yes,Yes,CR1119036,13608
2014-11-17,Credit card,,Billing statement,,,Older American,N/A,Web,2014-11-17,Closed with explanation,Yes,No,CR1120744,2578
2014-11-17,Credit card,,Cash advance,,,,N/A,Web,2014-11-17,Closed with explanation,Yes,Yes,CR1119160,3687
2014-11-17,Credit card,,Other,,,,N/A,Web,2014-11-17,Closed with explanation,Yes,Yes,CR1119287,3786
2014-11-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-17,Closed with explanation,Yes,Yes,CR1120623,4029
2014-11-17,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2014-11-17,Closed with explanation,Yes,No,CR1119191,2409
2014-11-17,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-11-20,Closed with explanation,Yes,No,CR1119366,11267
2014-11-17,Bank account or service,Checking account,Using a debit or ATM card,,,Servicemember,N/A,Web,2014-11-17,Closed with explanation,Yes,No,CR1122657,465
2014-11-16,Credit card,,Other,,,,N/A,Web,2014-11-16,Closed with explanation,Yes,Yes,CR1118772,1640
2014-11-16,Credit card,,Late fee,,,,N/A,Web,2014-11-16,Closed with monetary relief,Yes,Yes,CR1118729,741
2014-11-16,Credit card,,Other,,,,N/A,Web,2014-11-16,Closed with explanation,Yes,No,CR1118813,2257
2014-11-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-11-16,Closed with non-monetary relief,Yes,Yes,CR1118771,6015
2014-11-15,Credit card,,Other fee,,,Older American,N/A,Web,2014-11-15,Closed with explanation,Yes,No,CR1118469,2224
2014-11-15,Credit card,,Balance transfer,,,,N/A,Web,2014-11-15,Closed with explanation,Yes,No,CR1118479,347
2014-11-15,Credit card,,Payoff process,,,,N/A,Web,2014-11-15,Closed with explanation,Yes,No,CR1118554,2941
2014-11-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Servicemember,N/A,Web,2014-11-15,Closed with explanation,Yes,No,CR1118441,1255
2014-11-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Web,2014-11-15,Closed with explanation,Yes,No,CR1118340,2458
2014-11-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-15,Closed with monetary relief,Yes,No,CR1120050,301
2014-11-14,Credit card,,Overlimit fee,,,,N/A,Web,2014-11-14,Closed with monetary relief,Yes,No,CR1118313,10389
2014-11-14,Credit card,,Cash advance fee,,,Older American,N/A,Web,2014-11-14,Closed with explanation,Yes,Yes,CR1116968,96
2014-11-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-11-14,Closed with explanation,Yes,No,CR1116727,8076
2014-11-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-11-14,Closed with explanation,Yes,Yes,CR1116952,1935
2014-11-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-14,Closed with explanation,Yes,No,CR1117651,2539
2014-11-13,Credit card,,Other,,,Older American,N/A,Web,2014-11-13,Closed with explanation,Yes,No,CR1114171,877
2014-11-13,Credit card,,Other,,,,N/A,Web,2014-11-13,Closed with explanation,Yes,No,CR1115149,687
2014-11-13,Credit card,,Delinquent account,,,,N/A,Web,2014-11-13,Closed with explanation,Yes,No,CR1114280,11274
2014-11-13,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-11-13,Closed with explanation,Yes,No,CR1115836,2608
2014-11-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-11-17,Closed with explanation,Yes,Yes,CR1116283,974
2014-11-13,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-11-13,Closed with monetary relief,Yes,No,CR1114227,483
2014-11-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-11-13,Closed with explanation,Yes,No,CR1115639,1446
2014-11-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-13,Closed with monetary relief,Yes,No,CR1115412,5761
2014-11-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-13,Closed with monetary relief,Yes,No,CR1115580,8661
2014-11-13,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-11-13,Closed with explanation,Yes,No,CR1114895,510
2014-11-13,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-11-13,Closed with explanation,Yes,No,CR1114387,4362
2014-11-12,Credit card,,Balance transfer fee,,,,N/A,Web,2014-11-12,Closed with non-monetary relief,Yes,No,CR1112631,4269
2014-11-12,Credit card,,Billing disputes,,,,N/A,Web,2014-11-12,Closed with explanation,Yes,No,CR1112824,563
2014-11-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-11-12,Closed with explanation,Yes,No,CR1112635,438
2014-11-12,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-11-12,Closed with explanation,Yes,No,CR1111915,5143
2014-11-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-12,Closed with explanation,Yes,No,CR1113008,13071
2014-11-12,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-11-13,Closed with explanation,Yes,No,CR1113246,2142
2014-11-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-12,Closed with monetary relief,Yes,No,CR1112953,2687
2014-11-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-11-12,Closed with explanation,Yes,No,CR1112830,4808
2014-11-11,Credit card,,Other,,,,N/A,Web,2014-11-11,Closed with explanation,Yes,No,CR1111337,3594
2014-11-11,Credit card,,Advertising and marketing,,,,N/A,Web,2014-11-11,Closed with non-monetary relief,Yes,No,CR1111396,1579
2014-11-11,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Web,2014-11-11,Closed with explanation,Yes,Yes,CR1111598,57
2014-11-10,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-11-14,Closed with explanation,Yes,No,CR1109587,2904
2014-11-10,Credit card,,Delinquent account,,,,N/A,Web,2014-11-10,Closed with explanation,Yes,No,CR1110639,2146
2014-11-10,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Web,2014-11-10,Closed with monetary relief,Yes,No,CR1110347,1501
2014-11-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-11-10,Closed with explanation,Yes,Yes,CR1110418,3807
2014-11-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-10,Closed with monetary relief,Yes,No,CR1109289,1759
2014-11-09,Credit card,,APR or interest rate,,,,N/A,Web,2014-11-14,Closed with explanation,Yes,No,CR1109170,3036
2014-11-09,Credit card,,Other,,,,N/A,Web,2014-11-09,Closed with monetary relief,Yes,No,CR1109183,2293
2014-11-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-11-09,Closed with explanation,Yes,No,CR1109064,10703
2014-11-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-09,Closed with monetary relief,Yes,No,CR1109050,885
2014-11-08,Credit card,,Other,,,,N/A,Web,2014-11-08,Closed with explanation,Yes,Yes,CR1109035,305
2014-11-08,Credit card,,Credit determination,,,,N/A,Web,2014-11-08,Closed with explanation,Yes,No,CR1109037,3030
2014-11-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-11-13,Closed with monetary relief,Yes,No,CR1108819,70
2014-11-07,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2014-11-07,Closed with explanation,Yes,Yes,CR1106752,2892
2014-11-07,Credit card,,Billing disputes,,,,N/A,Web,2014-11-13,Closed with explanation,Yes,Yes,CR1108360,2322
2014-11-07,Credit card,,APR or interest rate,,,,N/A,Web,2014-11-07,Closed with explanation,Yes,Yes,CR1107916,400
2014-11-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-11-07,Closed with explanation,Yes,No,CR1107822,1438
2014-11-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-13,Closed with monetary relief,Yes,No,CR1108638,3633
2014-11-07,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-11-07,Closed with monetary relief,Yes,No,CR1107604,2145
2014-11-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-11-07,Closed with non-monetary relief,Yes,No,CR1107956,2661
2014-11-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-11-07,Closed with explanation,No,No,CR1106821,262
2014-11-06,Credit card,,Cash advance fee,,,Older American,N/A,Web,2014-11-06,Closed with explanation,Yes,Yes,CR1104909,3222
2014-11-06,Credit card,,Rewards,,,,N/A,Web,2014-11-06,Closed with explanation,Yes,No,CR1104411,11337
2014-11-06,Credit card,,Other,,,Older American,N/A,Web,2014-11-19,Closed with explanation,Yes,No,CR1105423,259
2014-11-06,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-11-06,Closed with explanation,Yes,No,CR1105657,4272
2014-11-06,Credit card,,Credit determination,,,,N/A,Web,2014-11-06,Closed with explanation,Yes,No,CR1106054,2461
2014-11-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-06,Closed with monetary relief,Yes,No,CR1105702,10459
2014-11-06,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-11-06,Closed with monetary relief,Yes,No,CR1104567,13346
2014-11-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-06,Closed with explanation,Yes,No,CR1106561,3006
2014-11-06,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-11-13,Closed with explanation,Yes,No,CR1106007,1340
2014-11-05,Credit card,,APR or interest rate,,,,N/A,Web,2014-11-05,Closed with non-monetary relief,Yes,No,CR1103591,482
2014-11-05,Credit card,,Delinquent account,,,,N/A,Web,2014-11-05,Closed with explanation,Yes,No,CR1102442,1795
2014-11-05,Credit card,,Other,,,,N/A,Web,2014-11-10,Closed with explanation,Yes,No,CR1102431,12324
2014-11-05,Credit card,,APR or interest rate,,,,N/A,Web,2014-11-05,Closed with explanation,Yes,No,CR1103764,1839
2014-11-05,Credit card,,Other,,,,N/A,Web,2014-11-10,Closed with explanation,Yes,No,CR1102418,2814
2014-11-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-05,Closed with monetary relief,Yes,No,CR1102783,3417
2014-11-05,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2014-11-05,Closed with non-monetary relief,Yes,No,CR1102328,3700
2014-11-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-11-05,Closed with explanation,Yes,No,CR1102467,2465
2014-11-04,Credit card,,Late fee,,,,N/A,Web,2014-11-04,Closed with monetary relief,Yes,No,CR1100728,3295
2014-11-04,Credit card,,Balance transfer,,,,N/A,Web,2014-11-04,Closed with explanation,Yes,No,CR1102293,2786
2014-11-04,Credit card,,Other,,,,N/A,Web,2014-11-04,Closed with explanation,Yes,Yes,CR1100136,3742
2014-11-04,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Web,2014-11-04,Closed with monetary relief,Yes,No,CR1100140,574
2014-11-04,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Web,2014-11-04,Closed with monetary relief,Yes,No,CR1100786,12220
2014-11-03,Credit card,,Cash advance fee,,,,N/A,Web,2014-11-03,Closed with monetary relief,Yes,No,CR1097763,5249
2014-11-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-11-03,Closed with explanation,Yes,No,CR1099017,1659
2014-11-03,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2014-11-03,Closed with explanation,Yes,No,CR1098089,4575
2014-11-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-11-03,Closed with explanation,Yes,No,CR1099295,4740
2014-11-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-11-02,Closed with explanation,Yes,No,CR1097510,1596
2014-11-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-11-02,Closed with explanation,Yes,No,CR1097677,2824
2014-11-02,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-11-02,Closed with explanation,Yes,Yes,CR1097694,13190
2014-11-01,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-11-01,Closed with explanation,Yes,No,CR1097298,1585
2014-11-01,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2014-11-01,Closed with explanation,Yes,Yes,CR1097396,1846
2014-11-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-11-01,Closed with explanation,Yes,No,CR1097400,4422
2014-11-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-11-01,Closed with non-monetary relief,Yes,No,CR1097225,3560
2014-10-31,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-10-31,Closed with explanation,Yes,No,CR1096384,2343
2014-10-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-11-06,Closed with explanation,Yes,No,CR1095652,432
2014-10-31,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2014-10-31,Closed with explanation,Yes,No,CR1094881,3422
2014-10-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-31,Closed with monetary relief,Yes,No,CR1095062,729
2014-10-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-31,Closed with explanation,Yes,Yes,CR1096432,8287
2014-10-31,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2014-10-31,Closed with monetary relief,Yes,No,CR1095136,2408
2014-10-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-10-31,Closed with explanation,Yes,No,CR1095178,1113
2014-10-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-10-31,Closed,No,No,CR1096189,2994
2014-10-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-10-31,Closed with explanation,Yes,No,CR1094928,13539
2014-10-30,Credit card,,Billing disputes,,,,N/A,Web,2014-10-30,Closed with explanation,Yes,No,CR1093268,3670
2014-10-30,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-11-05,Closed with explanation,Yes,Yes,CR1094511,615
2014-10-30,Credit card,,Billing disputes,,,,N/A,Web,2014-10-30,Closed with explanation,Yes,No,CR1094152,1066
2014-10-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-10-30,Closed with explanation,Yes,No,CR1093844,3588
2014-10-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-30,Closed with non-monetary relief,Yes,No,CR1093055,2613
2014-10-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-30,Closed with explanation,Yes,No,CR1093102,4819
2014-10-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-30,Closed with explanation,Yes,No,CR1094435,4214
2014-10-29,Credit card,,Delinquent account,,,,N/A,Web,2014-11-04,Closed with explanation,Yes,No,CR1092783,11598
2014-10-29,Credit card,,Delinquent account,,,,N/A,Web,2014-11-04,Closed with explanation,Yes,No,CR1092075,841
2014-10-29,Credit card,,Delinquent account,,,,N/A,Web,2014-10-29,Closed with explanation,Yes,No,CR1092590,1087
2014-10-29,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-10-29,Closed with explanation,Yes,Yes,CR1091535,7753
2014-10-29,Credit card,,Delinquent account,,,,N/A,Web,2014-10-29,Closed with explanation,Yes,Yes,CR1091896,2790
2014-10-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-29,Closed with non-monetary relief,Yes,Yes,CR1092376,756
2014-10-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-29,Closed with explanation,Yes,No,CR1091999,2885
2014-10-29,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Web,2014-11-04,Closed with monetary relief,Yes,No,CR1092584,4426
2014-10-28,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2014-11-03,Closed with explanation,Yes,Yes,CR1087251,2979
2014-10-28,Credit card,,Advertising and marketing,,,,N/A,Web,2014-10-31,Closed with explanation,Yes,No,CR1087225,4586
2014-10-28,Credit card,,Other fee,,,,N/A,Web,2014-11-03,Closed with explanation,Yes,No,CR1087467,3724
2014-10-28,Credit card,,Advertising and marketing,,,,N/A,Web,2014-11-05,Closed with explanation,Yes,No,CR1088218,4930
2014-10-28,Credit card,,Other,,,,N/A,Web,2014-10-28,Closed with explanation,Yes,No,CR1089096,6478
2014-10-28,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2014-11-03,Closed with monetary relief,Yes,No,CR1088860,718
2014-10-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-11-03,Closed with monetary relief,Yes,No,CR1087194,360
2014-10-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-11-04,Closed with monetary relief,Yes,No,CR1088613,8105
2014-10-28,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-10-28,Closed with explanation,Yes,No,CR1087135,6764
2014-10-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-11-03,Closed with monetary relief,Yes,No,CR1087504,4453
2014-10-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-11-03,Closed with monetary relief,Yes,No,CR1087639,4647
2014-10-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-30,Closed with non-monetary relief,Yes,No,CR1088558,10282
2014-10-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-11-03,Closed with non-monetary relief,Yes,No,CR1088129,2813
2014-10-27,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2014-10-31,Closed with explanation,Yes,No,CR1090402,3872
2014-10-27,Credit card,,Cash advance fee,,,,N/A,Web,2014-10-31,Closed with non-monetary relief,Yes,No,CR1090440,4818
2014-10-27,Credit card,,Delinquent account,,,,N/A,Web,2014-10-31,Closed with explanation,Yes,No,CR1090832,6571
2014-10-27,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-11-13,Closed with explanation,Yes,No,CR1089502,2134
2014-10-27,Credit card,,Billing disputes,,,,N/A,Web,2014-10-31,Closed with explanation,Yes,Yes,CR1089543,268
2014-10-27,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-10-31,Closed with explanation,Yes,Yes,CR1091051,2015
2014-10-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-10-31,Closed with explanation,Yes,Yes,CR1089564,2540
2014-10-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-10-31,Closed with explanation,Yes,No,CR1089341,3281
2014-10-27,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-10-27,Closed with explanation,Yes,No,CR1089254,706
2014-10-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-10-30,Closed with explanation,Yes,No,CR1090063,2258
2014-10-27,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-11-24,Closed with monetary relief,Yes,No,CR1090389,3541
2014-10-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-31,Closed with monetary relief,Yes,Yes,CR1089325,2008
2014-10-26,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Web,2014-10-26,Closed with explanation,Yes,No,CR1087017,3392
2014-10-25,Credit card,,Other fee,,,,N/A,Web,2014-11-04,Closed with explanation,Yes,No,CR1086689,1532
2014-10-25,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2014-10-25,Closed with explanation,Yes,Yes,CR1086639,3269
2014-10-25,Credit card,,Transaction issue,,,,N/A,Web,2014-10-25,Closed with non-monetary relief,Yes,No,CR1086891,2207
2014-10-25,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-10-25,Closed with explanation,Yes,No,CR1086853,4587
2014-10-25,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2014-10-30,Closed with monetary relief,Yes,No,CR1086738,2788
2014-10-24,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-10-29,Closed with monetary relief,Yes,No,CR1085276,2439
2014-10-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-10-24,Closed with explanation,Yes,No,CR1085150,2746
2014-10-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-24,Closed with explanation,Yes,Yes,CR1085327,1875
2014-10-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-24,Closed with explanation,Yes,No,CR1084941,7772
2014-10-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-27,Closed with explanation,Yes,Yes,CR1085205,2067
2014-10-24,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2014-10-24,Closed with explanation,Yes,No,CR1085398,4025
2014-10-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-10-24,Closed with explanation,Yes,Yes,CR1085879,4748
2014-10-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-24,Closed with monetary relief,Yes,No,CR1086090,2805
2014-10-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-24,Closed with monetary relief,Yes,No,CR1084922,3890
2014-10-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-24,Closed with monetary relief,Yes,No,CR1085405,1131
2014-10-24,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-10-30,Closed with explanation,Yes,Yes,CR1085889,2831
2014-10-24,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-10-24,Closed with non-monetary relief,Yes,No,CR1086180,4226
2014-10-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-23,Closed with monetary relief,Yes,No,CR1083655,4383
2014-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-10-23,Closed with monetary relief,Yes,No,CR1083227,5353
2014-10-22,Credit card,,Delinquent account,,,Older American,N/A,Web,2014-10-22,Closed with explanation,Yes,No,CR1081573,893
2014-10-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-22,Closed with monetary relief,Yes,No,CR1082772,1179
2014-10-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-10-22,Closed with monetary relief,Yes,No,CR1081536,10040
2014-10-22,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-10-22,Closed with explanation,Yes,Yes,CR1082599,2053
2014-10-22,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-10-22,Closed with explanation,Yes,No,CR1081541,3860
2014-10-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-22,Closed with monetary relief,Yes,No,CR1082574,1687
2014-10-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-10-22,Closed with explanation,Yes,No,CR1082678,2762
2014-10-21,Credit card,,Other fee,,,,N/A,Web,2014-10-21,Closed with explanation,Yes,No,CR1081145,714
2014-10-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-10-26,Closed with explanation,Yes,No,CR1079167,3186
2014-10-21,Credit card,,APR or interest rate,,,,N/A,Web,2014-10-21,Closed with explanation,Yes,Yes,CR1079730,4034
2014-10-21,Credit card,,Cash advance fee,,,,N/A,Web,2014-10-21,Closed with monetary relief,Yes,No,CR1079942,3262
2014-10-21,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2014-10-21,Closed with explanation,Yes,No,CR1080306,424
2014-10-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-21,Closed with explanation,Yes,No,CR1080679,3761
2014-10-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-21,Closed with monetary relief,Yes,No,CR1079513,3137
2014-10-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-21,Closed with monetary relief,No,No,CR1080030,4160
2014-10-20,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2014-10-20,Closed with explanation,Yes,No,CR1077251,93
2014-10-20,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-10-20,Closed with explanation,Yes,No,CR1077541,130
2014-10-20,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-10-20,Closed with explanation,Yes,Yes,CR1078230,3838
2014-10-20,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-11-12,Closed with explanation,Yes,Yes,CR1078562,277
2014-10-20,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-10-20,Closed with monetary relief,Yes,No,CR1077496,393
2014-10-19,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-10-24,Closed with explanation,Yes,Yes,CR1077170,3589
2014-10-19,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-10-27,Closed with monetary relief,Yes,No,CR1076972,718
2014-10-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-19,Closed with monetary relief,Yes,No,CR1077069,126
2014-10-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-10-24,Closed with explanation,Yes,No,CR1076949,1702
2014-10-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-23,Closed with non-monetary relief,Yes,Yes,CR1076930,1647
2014-10-18,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-10-27,Closed with explanation,Yes,Yes,CR1076934,1557
2014-10-17,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-10-17,Closed with non-monetary relief,Yes,No,CR1075297,2326
2014-10-17,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-10-24,Closed with explanation,Yes,No,CR1075318,2411
2014-10-17,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-10-17,Closed with monetary relief,Yes,No,CR1075901,1617
2014-10-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-10-17,Closed with explanation,Yes,No,CR1076175,4148
2014-10-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-17,Closed with explanation,Yes,No,CR1076074,1799
2014-10-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-17,Closed with monetary relief,Yes,No,CR1075775,4904
2014-10-17,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-11-03,Closed with explanation,Yes,Yes,CR1076321,2288
2014-10-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-17,Closed with monetary relief,Yes,No,CR1074728,902
2014-10-16,Credit card,,Transaction issue,,,,N/A,Web,2014-10-16,Closed with explanation,Yes,Yes,CR1075144,4064
2014-10-16,Credit card,,Billing disputes,,,,N/A,Web,2014-10-16,Closed with explanation,Yes,Yes,CR1073436,31
2014-10-16,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-10-16,Closed with non-monetary relief,Yes,No,CR1073034,4344
2014-10-16,Credit card,,Rewards,,,Older American,N/A,Web,2014-10-16,Closed with explanation,Yes,No,CR1073957,5461
2014-10-16,Credit card,,Billing disputes,,,,N/A,Web,2014-10-16,Closed with explanation,Yes,No,CR1075175,1087
2014-10-16,Credit card,,Balance transfer fee,,,,N/A,Web,2014-10-16,Closed with explanation,Yes,No,CR1073290,13556
2014-10-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-16,Closed with monetary relief,Yes,No,CR1073597,4191
2014-10-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-10-16,Closed with monetary relief,Yes,No,CR1074971,4274
2014-10-15,Credit card,,Billing statement,,,,N/A,Web,2014-10-15,Closed with explanation,Yes,No,CR1071331,555
2014-10-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-10-15,Closed with explanation,Yes,No,CR1071681,4700
2014-10-15,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-10-15,Closed with explanation,Yes,No,CR1071648,993
2014-10-15,Credit card,,Late fee,,,,N/A,Web,2014-10-22,Closed with explanation,Yes,No,CR1072192,3130
2014-10-15,Credit card,,Other,,,Servicemember,N/A,Web,2014-10-15,Closed with explanation,Yes,No,CR1072276,4630
2014-10-15,Credit card,,Credit card protection / Debt protection,,,Servicemember,N/A,Web,2014-10-22,Closed with explanation,Yes,No,CR1072674,1570
2014-10-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Web,2014-10-15,Closed with explanation,Yes,No,CR1071317,2475
2014-10-14,Credit card,,Billing disputes,,,Servicemember,N/A,Web,2014-10-14,Closed with monetary relief,Yes,No,CR1069257,2592
2014-10-14,Credit card,,Payoff process,,,,N/A,Web,2014-10-14,Closed with explanation,Yes,No,CR1069534,4601
2014-10-14,Credit card,,Other fee,,,,N/A,Web,2014-10-14,Closed with monetary relief,Yes,No,CR1069925,3435
2014-10-14,Credit card,,Transaction issue,,,,N/A,Web,2014-10-14,Closed with explanation,Yes,No,CR1070220,4564
2014-10-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-14,Closed with explanation,Yes,No,CR1069807,1072
2014-10-14,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-10-14,Closed with explanation,Yes,Yes,CR1068999,2408
2014-10-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-14,Closed with explanation,Yes,No,CR1070638,413
2014-10-14,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-10-14,Closed with monetary relief,Yes,No,CR1069989,1866
2014-10-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-10-14,Closed with explanation,Yes,Yes,CR1069427,13576
2014-10-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-14,Closed with explanation,Yes,No,CR1070633,8726
2014-10-12,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2014-10-20,Closed with explanation,Yes,No,CR1068354,1351
2014-10-12,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-10-12,Closed with non-monetary relief,Yes,Yes,CR1068380,3114
2014-10-12,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-10-12,Closed with non-monetary relief,Yes,No,CR1068345,7043
2014-10-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-12,Closed with explanation,Yes,No,CR1068376,4521
2014-10-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-12,Closed with explanation,Yes,Yes,CR1068487,2412
2014-10-11,Credit card,,Late fee,,,,N/A,Web,2014-10-11,Closed with monetary relief,Yes,No,CR1068227,4061
2014-10-11,Credit card,,Late fee,,,Older American,N/A,Web,2014-10-11,Closed with monetary relief,Yes,No,CR1068145,4528
2014-10-11,Credit card,,Privacy,,,,N/A,Web,2014-10-11,Closed with explanation,Yes,No,CR1068238,1691
2014-10-11,Credit card,,Balance transfer,,,,N/A,Web,2014-10-11,Closed with explanation,Yes,No,CR1068228,2461
2014-10-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-10-11,Closed with monetary relief,Yes,Yes,CR1068014,1831
2014-10-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-11,Closed with monetary relief,Yes,No,CR1068042,452
2014-10-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-11,Closed with explanation,Yes,No,CR1068306,10988
2014-10-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-11,Closed with monetary relief,Yes,No,CR1068252,3091
2014-10-10,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-10-16,Closed with monetary relief,Yes,No,CR1066363,1932
2014-10-10,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-10-20,Closed with non-monetary relief,Yes,Yes,CR1066369,3469
2014-10-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-10,Closed with non-monetary relief,Yes,Yes,CR1066259,230
2014-10-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-10,Closed with explanation,Yes,No,CR1066599,5699
2014-10-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-10,Closed with monetary relief,Yes,No,CR1066475,53
2014-10-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-10,Closed with explanation,Yes,No,CR1066498,4421
2014-10-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-10-10,Closed with explanation,Yes,No,CR1066905,2488
2014-10-09,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-10-09,Closed with monetary relief,Yes,Yes,CR1064726,10714
2014-10-09,Credit card,,Rewards,,,,N/A,Web,2014-10-14,Closed with explanation,Yes,Yes,CR1065775,13480
2014-10-09,Credit card,,Billing disputes,,,,N/A,Web,2014-10-09,Closed with explanation,Yes,Yes,CR1064528,10145
2014-10-09,Credit card,,Credit line increase/decrease,,,,N/A,Web,2014-10-16,Closed with explanation,Yes,No,CR1064734,1238
2014-10-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-16,Closed with explanation,Yes,Yes,CR1066000,3649
2014-10-09,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-10-09,Closed with explanation,Yes,No,CR1064521,946
2014-10-09,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2014-10-09,Closed with explanation,Yes,Yes,CR1064890,2133
2014-10-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-16,Closed with explanation,Yes,No,CR1065787,1276
2014-10-08,Credit card,,Payoff process,,,,N/A,Web,2014-10-17,Closed with explanation,Yes,Yes,CR1062850,3388
2014-10-08,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2014-10-08,Closed with explanation,Yes,No,CR1063078,4246
2014-10-08,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2014-10-15,Closed with explanation,Yes,No,CR1063334,4233
2014-10-08,Credit card,,Credit determination,,,,N/A,Web,2014-10-08,Closed with explanation,Yes,Yes,CR1062761,153
2014-10-08,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Web,2014-10-08,Closed with explanation,Yes,No,CR1062880,2506
2014-10-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-10-15,Closed with explanation,Yes,No,CR1063506,3917
2014-10-08,Bank account or service,Other bank product/service,Using a debit or ATM card,,,Older American,N/A,Web,2014-10-08,Closed with explanation,Yes,Yes,CR1063971,225
2014-10-08,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2014-10-15,Closed with explanation,Yes,No,CR1064055,4778
2014-10-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-10-08,Closed with monetary relief,Yes,No,CR1064120,2611
2014-10-07,Credit card,,Other,,,,N/A,Web,2014-10-15,Closed with explanation,Yes,No,CR1062140,4222
2014-10-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-07,Closed with monetary relief,Yes,No,CR1060837,6144
2014-10-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-07,Closed with monetary relief,Yes,No,CR1060902,12095
2014-10-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-07,Closed with monetary relief,Yes,No,CR1061589,2666
2014-10-06,Credit card,,Billing statement,,,,N/A,Web,2014-10-06,Closed with explanation,Yes,No,CR1058729,4816
2014-10-06,Credit card,,Rewards,,,Older American,N/A,Web,2014-10-06,Closed with monetary relief,Yes,No,CR1059665,3564
2014-10-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-06,Closed with explanation,Yes,No,CR1060070,814
2014-10-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-10-05,Closed with monetary relief,Yes,No,CR1058583,2051
2014-10-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-10-05,Closed with explanation,Yes,No,CR1058557,1803
2014-10-04,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-10-04,Closed with explanation,Yes,No,CR1058359,2169
2014-10-03,Credit card,,Credit line increase/decrease,,,,N/A,Web,2014-10-03,Closed with explanation,Yes,Yes,CR1056588,1297
2014-10-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-03,Closed with non-monetary relief,Yes,No,CR1056684,1820
2014-10-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-03,Closed with monetary relief,Yes,No,CR1057553,2996
2014-10-02,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2014-10-02,Closed with explanation,Yes,No,CR1055983,12181
2014-10-02,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-10-08,Closed with explanation,Yes,No,CR1055199,1318
2014-10-02,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-10-02,Closed with explanation,Yes,Yes,CR1055388,508
2014-10-02,Credit card,,Billing statement,,,,N/A,Web,2014-10-08,Closed with monetary relief,Yes,No,CR1055765,2833
2014-10-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-10-08,Closed with monetary relief,Yes,No,CR1055265,3276
2014-10-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-10-02,Closed with explanation,Yes,No,CR1054559,588
2014-10-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-02,Closed with non-monetary relief,Yes,No,CR1054643,3460
2014-10-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-10-02,Closed with explanation,Yes,No,CR1054496,2893
2014-10-02,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2014-10-02,Closed with explanation,Yes,Yes,CR1054619,2767
2014-10-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-10-02,Closed with explanation,Yes,No,CR1054644,1559
2014-10-02,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-10-02,Closed with explanation,Yes,Yes,CR1054705,3152
2014-10-01,Credit card,,APR or interest rate,,,,N/A,Web,2014-10-02,Closed with explanation,Yes,No,CR1053454,1162
2014-10-01,Credit card,,Billing disputes,,,,N/A,Web,2014-10-07,Closed with explanation,Yes,No,CR1052515,3823
2014-10-01,Credit card,,Credit line increase/decrease,,,,N/A,Web,2014-10-01,Closed with explanation,Yes,No,CR1052435,3455
2014-10-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-07,Closed,Yes,Yes,CR1054148,4743
2014-10-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-10-01,Closed with explanation,Yes,Yes,CR1054097,391
2014-10-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-07,Closed with explanation,Yes,No,CR1053809,2501
2014-10-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-10-01,Closed with monetary relief,Yes,No,CR1052801,10714
2014-10-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-10-01,Closed with monetary relief,Yes,No,CR1053297,748
2014-10-01,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-10-01,Closed with explanation,Yes,Yes,CR1053418,199
2014-10-01,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-10-01,Closed with explanation,Yes,No,CR1053785,659
2014-10-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-10-01,Closed with explanation,Yes,No,CR1053507,249
2014-09-30,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-09-30,Closed with explanation,Yes,Yes,CR1050828,12577
2014-09-30,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-09-30,Closed with monetary relief,Yes,No,CR1050770,396
2014-09-30,Credit card,,Other,,,Servicemember,N/A,Web,2014-09-30,Closed with non-monetary relief,Yes,No,CR1050687,3216
2014-09-30,Credit card,,Transaction issue,,,,N/A,Web,2014-09-30,Closed with non-monetary relief,Yes,Yes,CR1050651,3097
2014-09-30,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-09-30,Closed with explanation,Yes,No,CR1050865,9419
2014-09-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-09-30,Closed with monetary relief,Yes,No,CR1050780,4239
2014-09-29,Credit card,,Other,,,,N/A,Web,2014-09-29,Closed with explanation,Yes,No,CR1049162,629
2014-09-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-09-29,Closed with non-monetary relief,Yes,No,CR1049878,626
2014-09-29,Credit card,,Privacy,,,,N/A,Web,2014-09-29,Closed with explanation,Yes,Yes,CR1048678,3010
2014-09-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-29,Closed with explanation,Yes,No,CR1049153,3935
2014-09-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-28,Closed with explanation,Yes,No,CR1048332,2866
2014-09-27,Credit card,,Billing disputes,,,,N/A,Web,2014-09-27,Closed with explanation,Yes,Yes,CR1048074,2408
2014-09-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-27,Closed with non-monetary relief,Yes,No,CR1048109,8362
2014-09-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-09-27,Closed with non-monetary relief,Yes,No,CR1048044,4745
2014-09-27,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Web,2014-09-28,Closed with monetary relief,Yes,No,CR1048247,2026
2014-09-26,Credit card,,Billing disputes,,,,N/A,Web,2014-10-14,Closed with explanation,Yes,No,CR1046923,2267
2014-09-26,Credit card,,Billing disputes,,,,N/A,Web,2014-09-26,Closed with explanation,Yes,Yes,CR1047680,641
2014-09-26,Credit card,,Late fee,,,,N/A,Web,2014-09-26,Closed with monetary relief,Yes,No,CR1047298,332
2014-09-26,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,N/A,Web,2014-10-01,Closed with non-monetary relief,Yes,No,CR1046707,2453
2014-09-26,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-10-01,Closed with explanation,Yes,No,CR1047159,11409
2014-09-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-10-02,Closed with explanation,Yes,Yes,CR1047051,188
2014-09-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-09-26,Closed with explanation,No,No,CR1046319,9670
2014-09-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-09-26,Closed with explanation,Yes,No,CR1046456,2580
2014-09-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-09-26,Closed with explanation,Yes,No,CR1046481,12051
2014-09-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-09-26,Closed with explanation,Yes,No,CR1047308,1978
2014-09-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-09-26,Closed with monetary relief,Yes,Yes,CR1047058,2924
2014-09-25,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-09-25,Closed with explanation,Yes,No,CR1045518,10639
2014-09-25,Credit card,,Other,,,,N/A,Web,2014-09-25,Closed with explanation,Yes,Yes,CR1044165,4251
2014-09-25,Credit card,,Other fee,,,,N/A,Web,2014-09-25,Closed with explanation,Yes,No,CR1044251,37
2014-09-25,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,N/A,Web,2014-10-01,Closed with non-monetary relief,Yes,No,CR1045000,3249
2014-09-25,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-09-25,Closed with non-monetary relief,Yes,No,CR1044022,4256
2014-09-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-24,Closed with explanation,Yes,No,CR1042325,1911
2014-09-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-24,Closed with non-monetary relief,Yes,No,CR1042328,1169
2014-09-23,Credit card,,APR or interest rate,,,Older American,N/A,Web,2014-09-30,Closed with explanation,Yes,No,CR1041390,6040
2014-09-23,Credit card,,Credit line increase/decrease,,,,N/A,Web,2014-09-30,Closed with non-monetary relief,Yes,Yes,CR1040360,1504
2014-09-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-09-23,Closed with explanation,Yes,No,CR1040574,1447
2014-09-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-09-23,Closed with monetary relief,Yes,No,CR1041736,4577
2014-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2014-09-23,Closed with non-monetary relief,Yes,Yes,CR1040522,1444
2014-09-23,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-09-23,Closed with explanation,Yes,No,CR1041255,5180
2014-09-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-09-23,Closed with monetary relief,Yes,No,CR1041372,1835
2014-09-22,Credit card,,Billing disputes,,,,N/A,Web,2014-09-23,Closed with non-monetary relief,Yes,No,CR1039129,1784
2014-09-22,Credit card,,Credit line increase/decrease,,,,N/A,Web,2014-09-22,Closed with explanation,Yes,Yes,CR1039659,3858
2014-09-22,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-09-29,Closed with non-monetary relief,Yes,No,CR1039741,4774
2014-09-22,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Web,2014-09-22,Closed with explanation,Yes,Yes,CR1038480,1688
2014-09-22,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-09-22,Closed with explanation,Yes,Yes,CR1039117,4243
2014-09-22,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2014-09-22,Closed with explanation,Yes,No,CR1039747,468
2014-09-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-09-22,Closed with monetary relief,Yes,No,CR1038697,913
2014-09-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-29,Closed with explanation,Yes,No,CR1039203,5319
2014-09-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-22,Closed with explanation,Yes,Yes,CR1039370,4286
2014-09-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-09-22,Closed with explanation,Yes,No,CR1039654,3335
2014-09-20,Credit card,,Other,,,,N/A,Web,2014-09-26,Closed with non-monetary relief,Yes,Yes,CR1037951,5565
2014-09-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-24,Closed,Yes,No,CR1037872,476
2014-09-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-09-20,Closed with explanation,Yes,No,CR1037903,1317
2014-09-20,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-09-26,Closed with explanation,Yes,No,CR1037766,8393
2014-09-19,Credit card,,Rewards,,,,N/A,Web,2014-09-19,Closed with explanation,Yes,No,CR1037228,3268
2014-09-19,Credit card,,Other,,,,N/A,Web,2014-09-25,Closed,Yes,Yes,CR1037298,2061
2014-09-19,Credit card,,Other,,,,N/A,Web,2014-09-25,Closed with explanation,Yes,No,CR1036330,3807
2014-09-19,Credit card,,Billing disputes,,,,N/A,Web,2014-09-19,Closed with explanation,Yes,Yes,CR1036577,4655
2014-09-19,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2014-09-19,Closed with non-monetary relief,Yes,No,CR1036606,2738
2014-09-19,Credit card,,Rewards,,,,N/A,Web,2014-09-19,Closed with explanation,Yes,Yes,CR1036982,8692
2014-09-19,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-09-19,Closed with explanation,Yes,No,CR1036113,3909
2014-09-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-09-19,Closed with explanation,Yes,No,CR1036809,3756
2014-09-18,Credit card,,Billing disputes,,,,N/A,Web,2014-09-18,Closed with non-monetary relief,Yes,No,CR1034238,843
2014-09-18,Credit card,,Payoff process,,,,N/A,Web,2014-09-25,Closed with non-monetary relief,Yes,No,CR1034239,1409
2014-09-18,Credit card,,Payoff process,,,,N/A,Web,2014-09-24,Closed with non-monetary relief,Yes,No,CR1035458,3019
2014-09-18,Credit card,,Other,,,,N/A,Web,2014-09-18,Closed with non-monetary relief,Yes,No,CR1034588,4525
2014-09-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-09-18,Closed with explanation,Yes,No,CR1034996,974
2014-09-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-09-18,Closed with explanation,Yes,Yes,CR1034113,229
2014-09-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-09-18,Closed with non-monetary relief,Yes,No,CR1034742,3833
2014-09-17,Credit card,,Billing disputes,,,,N/A,Web,2014-09-17,Closed with explanation,Yes,No,CR1032506,11943
2014-09-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-09-17,Closed with explanation,Yes,Yes,CR1031960,4106
2014-09-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-09-22,Closed with non-monetary relief,Yes,No,CR1032187,3149
2014-09-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-09-17,Closed with monetary relief,Yes,No,CR1032978,2399
2014-09-17,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2014-09-17,Closed with non-monetary relief,Yes,No,CR1033028,1293
2014-09-17,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Web,2014-09-17,Closed with explanation,Yes,No,CR1032675,1604
2014-09-17,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-09-23,Closed with explanation,Yes,No,CR1032451,3539
2014-09-16,Credit card,,Delinquent account,,,Servicemember,N/A,Web,2014-09-16,Closed with explanation,Yes,No,CR1031463,3309
2014-09-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-09-16,Closed with explanation,Yes,Yes,CR1031364,1429
2014-09-16,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-09-16,Closed with explanation,Yes,No,CR1031427,3129
2014-09-16,Credit card,,Other fee,,,Servicemember,N/A,Web,2014-09-16,Closed with monetary relief,Yes,No,CR1030240,13588
2014-09-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-16,Closed with explanation,Yes,No,CR1030199,3514
2014-09-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-09-16,Closed with monetary relief,Yes,Yes,CR1031170,4432
2014-09-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-09-16,Closed with non-monetary relief,Yes,No,CR1030600,1050
2014-09-16,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-09-19,Closed with monetary relief,Yes,Yes,CR1030758,3351
2014-09-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-16,Closed with explanation,Yes,No,CR1031399,5753
2014-09-15,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2014-09-18,Closed,Yes,No,CR1029738,12568
2014-09-15,Credit card,,Transaction issue,,,,N/A,Web,2014-09-15,Closed with monetary relief,Yes,Yes,CR1028996,2473
2014-09-15,Credit card,,Billing statement,,,,N/A,Web,2014-09-15,Closed with explanation,Yes,No,CR1028452,954
2014-09-15,Credit card,,Other,,,Older American,N/A,Web,2014-09-15,Closed with monetary relief,Yes,No,CR1028923,13803
2014-09-15,Credit card,,Billing disputes,,,,N/A,Web,2014-09-15,Closed with explanation,Yes,Yes,CR1029174,1964
2014-09-15,Credit card,,Other,,,,N/A,Web,2014-09-15,Closed with explanation,Yes,No,CR1029224,4498
2014-09-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-09-15,Closed with monetary relief,Yes,No,CR1029742,965
2014-09-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-15,Closed with explanation,Yes,No,CR1028820,1263
2014-09-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-09-15,Closed with explanation,Yes,No,CR1028111,4969
2014-09-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-09-15,Closed with explanation,Yes,No,CR1029523,4309
2014-09-14,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2014-09-14,Closed with explanation,Yes,No,CR1027904,4449
2014-09-13,Credit card,,Balance transfer,,,,N/A,Web,2014-09-13,Closed with explanation,Yes,No,CR1027829,2411
2014-09-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-09-13,Closed with non-monetary relief,Yes,No,CR1027679,3104
2014-09-13,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-09-13,Closed with monetary relief,Yes,No,CR1027697,2404
2014-09-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-09-13,Closed with monetary relief,Yes,No,CR1027751,2782
2014-09-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-09-13,Closed with monetary relief,Yes,No,CR1027690,4620
2014-09-13,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-09-13,Closed with explanation,Yes,No,CR1027754,2197
2014-09-12,Credit card,,Billing disputes,,,,N/A,Web,2014-09-12,Closed with non-monetary relief,Yes,No,CR1027009,582
2014-09-12,Credit card,,Other fee,,,,N/A,Web,2014-09-12,Closed with monetary relief,Yes,No,CR1027441,2645
2014-09-12,Credit card,,APR or interest rate,,,,N/A,Web,2014-09-12,Closed with monetary relief,Yes,No,CR1026493,1646
2014-09-12,Credit card,,Advertising and marketing,,,Older American,N/A,Web,2014-09-12,Closed with monetary relief,Yes,No,CR1026519,2955
2014-09-12,Credit card,,Balance transfer,,,,N/A,Web,2014-09-12,Closed with non-monetary relief,Yes,No,CR1025776,1952
2014-09-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-17,Closed with explanation,Yes,No,CR1026639,79
2014-09-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-09-12,Closed with explanation,Yes,No,CR1026722,2198
2014-09-12,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2014-09-12,Closed with monetary relief,Yes,No,CR1027101,8105
2014-09-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-09-12,Closed with explanation,Yes,No,CR1026834,8200
2014-09-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-09-12,Closed with explanation,Yes,No,CR1027073,1667
2014-09-11,Credit card,,Delinquent account,,,,N/A,Web,2014-09-17,Closed with explanation,Yes,No,CR1024479,2714
2014-09-11,Credit card,,Billing disputes,,,,N/A,Web,2014-09-11,Closed with explanation,Yes,No,CR1025196,4575
2014-09-11,Credit card,,Billing disputes,,,Servicemember,N/A,Web,2014-09-11,Closed with explanation,Yes,Yes,CR1023972,3693
2014-09-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-09-11,Closed with explanation,Yes,No,CR1024306,4519
2014-09-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-11,Closed with explanation,Yes,No,CR1025737,541
2014-09-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-09-11,Closed with monetary relief,Yes,No,CR1024776,3887
2014-09-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-16,Closed with non-monetary relief,Yes,Yes,CR1024836,4704
2014-09-10,Credit card,,Bankruptcy,,,,N/A,Web,2014-09-10,Closed with explanation,Yes,Yes,CR1021983,2912
2014-09-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-09-10,Closed,Yes,No,CR1021944,2448
2014-09-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-09-12,Closed with explanation,Yes,No,CR1021849,623
2014-09-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-09-10,Closed with monetary relief,Yes,No,CR1023461,3491
2014-09-10,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-09-10,Closed with monetary relief,Yes,No,CR1022558,4225
2014-09-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-10,Closed with explanation,Yes,No,CR1023343,2997
2014-09-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-12,Closed with explanation,Yes,No,CR1023542,12730
2014-09-09,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-09-11,Closed with explanation,Yes,Yes,CR1021312,2449
2014-09-09,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2014-09-09,Closed with explanation,Yes,Yes,CR1020461,3486
2014-09-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-09-09,Closed with non-monetary relief,Yes,No,CR1019986,4820
2014-09-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-09-11,Closed with monetary relief,Yes,No,CR1019888,1456
2014-09-09,Bank account or service,Savings account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2014-09-09,Closed with explanation,Yes,No,CR1019913,3425
2014-09-08,Credit card,,Transaction issue,,,,N/A,Web,2014-09-08,Closed with explanation,Yes,No,CR1018169,1642
2014-09-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-09-12,Closed with explanation,Yes,No,CR1019458,1612
2014-09-08,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-09-08,Closed with explanation,Yes,No,CR1018127,4133
2014-09-08,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-09-09,Closed with explanation,Yes,No,CR1019874,3001
2014-09-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-09-11,Closed with explanation,Yes,No,CR1017943,4206
2014-09-08,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2014-09-08,Closed with monetary relief,Yes,No,CR1017922,3029
2014-09-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-09-08,Closed with explanation,Yes,No,CR1017950,7010
2014-09-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-09-08,Closed with explanation,Yes,Yes,CR1018458,2217
2014-09-08,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-09-08,Closed with explanation,Yes,No,CR1019327,3633
2014-09-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-07,Closed with explanation,Yes,No,CR1017710,3534
2014-09-07,Bank account or service,Other bank product/service,Using a debit or ATM card,,,Servicemember,N/A,Web,2014-09-07,Closed with explanation,Yes,No,CR1017717,9458
2014-09-06,Credit card,,Rewards,,,,N/A,Web,2014-09-16,Closed with explanation,Yes,No,CR1017576,3612
2014-09-06,Credit card,,Advertising and marketing,,,,N/A,Web,2014-09-06,Closed with explanation,Yes,No,CR1017389,646
2014-09-06,Credit card,,Advertising and marketing,,,,N/A,Web,2014-09-06,Closed with explanation,Yes,No,CR1017459,1555
2014-09-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-06,Closed with explanation,Yes,Yes,CR1017399,4754
2014-09-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-09-06,Closed with monetary relief,Yes,No,CR1017413,6544
2014-09-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-06,Closed with explanation,Yes,Yes,CR1017526,1957
2014-09-05,Credit card,,Advertising and marketing,,,Older American,N/A,Web,2014-09-10,Closed with explanation,Yes,No,CR1016144,4450
2014-09-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-09-05,Closed with explanation,Yes,Yes,CR1016497,1377
2014-09-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-09-05,Closed with explanation,Yes,No,CR1016612,1409
2014-09-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-09-05,Closed with monetary relief,Yes,No,CR1016857,657
2014-09-05,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-09-05,Closed with monetary relief,Yes,No,CR1015698,882
2014-09-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-09-05,Closed with non-monetary relief,Yes,No,CR1016955,872
2014-09-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-09-04,Closed with explanation,Yes,Yes,CR1014481,3112
2014-09-04,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-09-04,Closed with explanation,Yes,No,CR1014603,3071
2014-09-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-09-04,Closed with explanation,Yes,No,CR1015611,1941
2014-09-04,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-09-04,Closed with non-monetary relief,Yes,No,CR1014894,4665
2014-09-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-09-04,Closed with explanation,Yes,No,CR1014425,3218
2014-09-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-09-04,Closed with monetary relief,Yes,No,CR1013737,2170
2014-09-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-09-04,Closed with non-monetary relief,Yes,No,CR1014207,3766
2014-09-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-09-04,Closed with explanation,Yes,No,CR1014483,2626
2014-09-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-04,Closed,Yes,Yes,CR1015245,4139
2014-09-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-09-11,Closed with monetary relief,Yes,No,CR1014994,2855
2014-09-03,Credit card,,Transaction issue,,,,N/A,Web,2014-09-03,Closed with monetary relief,Yes,Yes,CR1012460,13406
2014-09-03,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-09-22,Closed with explanation,Yes,Yes,CR1012166,4837
2014-09-03,Credit card,,Transaction issue,,,,N/A,Web,2014-09-03,Closed with explanation,Yes,Yes,CR1012813,2980
2014-09-03,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2014-09-03,Closed with explanation,Yes,No,CR1011479,2116
2014-09-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-03,Closed with explanation,Yes,No,CR1012018,292
2014-09-03,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2014-09-03,Closed with monetary relief,Yes,No,CR1012577,10818
2014-09-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-03,Closed with monetary relief,Yes,No,CR1012717,2922
2014-09-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-03,Closed with explanation,Yes,No,CR1012900,3784
2014-09-02,Credit card,,Other fee,,,,N/A,Web,2014-09-02,Closed with explanation,Yes,No,CR1009454,2041
2014-09-02,Credit card,,Payoff process,,,,N/A,Web,2014-09-02,Closed with explanation,Yes,No,CR1009347,3158
2014-09-02,Credit card,,Billing disputes,,,,N/A,Web,2014-09-02,Closed with explanation,Yes,Yes,CR1010808,12102
2014-09-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-09-02,Closed with monetary relief,Yes,No,CR1011153,2745
2014-09-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-09-02,Closed with monetary relief,Yes,No,CR1010215,13246
2014-09-02,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-09-05,Closed with explanation,Yes,No,CR1009640,690
2014-09-02,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-09-02,Closed with explanation,Yes,Yes,CR1010654,1990
2014-09-01,Credit card,,Billing disputes,,,,N/A,Web,2014-09-01,Closed with monetary relief,Yes,No,CR1009209,5180
2014-09-01,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-09-01,Closed with monetary relief,Yes,No,CR1009110,8610
2014-09-01,Credit card,,Transaction issue,,,Older American,N/A,Web,2014-09-01,Closed with non-monetary relief,Yes,Yes,CR1009117,1091
2014-08-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-31,Closed with explanation,Yes,No,CR1008998,1865
2014-08-30,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-08-30,Closed with explanation,Yes,Yes,CR1008616,8661
2014-08-30,Credit card,,Other fee,,,,N/A,Web,2014-08-30,Closed with explanation,Yes,No,CR1008874,949
2014-08-30,Credit card,,Rewards,,,,N/A,Web,2014-08-30,Closed with non-monetary relief,Yes,No,CR1008761,1993
2014-08-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-30,Closed with monetary relief,Yes,No,CR1008657,3251
2014-08-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-30,Closed with monetary relief,Yes,No,CR1008725,6034
2014-08-29,Credit card,,Billing statement,,,,N/A,Web,2014-08-29,Closed with explanation,Yes,Yes,CR1008513,3133
2014-08-29,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-09-09,Closed with explanation,Yes,No,CR1007277,3218
2014-08-29,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-08-29,Closed with explanation,Yes,Yes,CR1008299,1749
2014-08-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-29,Closed with explanation,Yes,No,CR1007381,11329
2014-08-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-09-04,Closed with non-monetary relief,Yes,Yes,CR1007276,2216
2014-08-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-29,Closed with explanation,Yes,No,CR1008311,1764
2014-08-28,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-08-28,Closed with explanation,Yes,No,CR1006108,1602
2014-08-28,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-08-28,Closed with explanation,Yes,No,CR1005071,11687
2014-08-27,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-09-03,Closed with explanation,Yes,No,CR1003254,544
2014-08-27,Credit card,,Other,,,,N/A,Web,2014-08-27,Closed with explanation,Yes,No,CR1003352,1511
2014-08-27,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-09-03,Closed with monetary relief,Yes,No,CR1004747,3616
2014-08-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-02,Closed with explanation,Yes,No,CR1003491,1455
2014-08-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-09-02,Closed,Yes,No,CR1003413,2508
2014-08-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-27,Closed with explanation,Yes,No,CR1004601,12051
2014-08-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-08-27,Closed with non-monetary relief,Yes,No,CR1003474,3057
2014-08-26,Credit card,,Billing disputes,,,,N/A,Web,2014-08-29,Closed with non-monetary relief,Yes,No,CR1002383,4194
2014-08-26,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-08-26,Closed with explanation,Yes,No,CR1001371,13694
2014-08-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-26,Closed with explanation,Yes,No,CR1001267,2238
2014-08-26,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Web,2014-08-26,Closed with monetary relief,Yes,No,CR1000835,12943
2014-08-26,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-08-27,Closed with monetary relief,Yes,Yes,CR1003331,3373
2014-08-26,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-08-26,Closed with monetary relief,Yes,No,CR1002236,2625
2014-08-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-08-26,Closed with explanation,Yes,Yes,CR1001248,4023
2014-08-26,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2014-08-26,Closed with explanation,Yes,No,CR1001260,4653
2014-08-25,Credit card,,Late fee,,,,N/A,Web,2014-08-25,Closed with explanation,Yes,No,CR0999084,4818
2014-08-25,Credit card,,Late fee,,,,N/A,Web,2014-08-25,Closed with non-monetary relief,Yes,No,CR1000081,2098
2014-08-24,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-08-24,Closed with explanation,Yes,No,CR0999006,2202
2014-08-24,Credit card,,Late fee,,,,N/A,Web,2014-08-24,Closed with explanation,Yes,No,CR0999064,2212
2014-08-24,Credit card,,APR or interest rate,,,,N/A,Web,2014-08-24,Closed with explanation,Yes,No,CR0999063,2850
2014-08-23,Credit card,,Transaction issue,,,,N/A,Web,2014-09-12,Closed with explanation,Yes,No,CR0998349,651
2014-08-23,Credit card,,APR or interest rate,,,,N/A,Web,2014-08-23,Closed with monetary relief,Yes,No,CR0998358,2247
2014-08-23,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-08-23,Closed with explanation,Yes,No,CR0998431,3730
2014-08-23,Credit card,,Billing disputes,,,,N/A,Web,2014-08-27,Closed with non-monetary relief,Yes,No,CR0998257,4729
2014-08-23,Credit card,,Billing disputes,,,,N/A,Web,2014-08-23,Closed with explanation,Yes,No,CR0998329,2616
2014-08-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-23,Closed with monetary relief,Yes,Yes,CR0998315,382
2014-08-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-08-23,Closed with explanation,Yes,No,CR0998441,2866
2014-08-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-08-23,Closed with explanation,Yes,Yes,CR0998270,3467
2014-08-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-23,Closed with monetary relief,Yes,No,CR0998434,4729
2014-08-22,Credit card,,Late fee,,,Older American,N/A,Web,2014-08-22,Closed with explanation,Yes,No,CR0996622,4575
2014-08-22,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-08-22,Closed with explanation,Yes,Yes,CR0996719,3972
2014-08-22,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-08-22,Closed with explanation,Yes,No,CR0996721,3637
2014-08-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-22,Closed with monetary relief,Yes,No,CR0996714,311
2014-08-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-27,Closed with monetary relief,Yes,No,CR0997044,2915
2014-08-21,Credit card,,APR or interest rate,,,,N/A,Web,2014-08-21,Closed with monetary relief,Yes,Yes,CR0996012,2662
2014-08-21,Credit card,,Billing disputes,,,,N/A,Web,2014-08-21,Closed with non-monetary relief,Yes,No,CR0995279,3484
2014-08-21,Credit card,,Billing disputes,,,,N/A,Web,2014-08-21,Closed with explanation,Yes,No,CR0995655,4134
2014-08-21,Credit card,,Other,,,,N/A,Web,2014-08-26,Closed with explanation,Yes,No,CR0994701,4474
2014-08-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-08-21,Closed with explanation,Yes,No,CR0995750,2726
2014-08-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-21,Closed with explanation,Yes,Yes,CR0994503,6191
2014-08-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-08-26,Closed with explanation,Yes,No,CR0994711,4259
2014-08-21,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-08-21,Closed with explanation,Yes,Yes,CR0994527,5399
2014-08-20,Credit card,,Credit determination,,,,N/A,Web,2014-08-20,Closed with explanation,Yes,No,CR0992205,3242
2014-08-20,Credit card,,Delinquent account,,,,N/A,Web,2014-08-20,Closed with explanation,Yes,No,CR0992231,1213
2014-08-20,Credit card,,Other,,,,N/A,Web,2014-08-20,Closed with explanation,Yes,Yes,CR0993321,10040
2014-08-20,Credit card,,Other fee,,,,N/A,Web,2014-08-25,Closed with explanation,Yes,No,CR0992601,844
2014-08-20,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2014-08-20,Closed with explanation,Yes,No,CR0992974,3087
2014-08-20,Credit card,,Transaction issue,,,,N/A,Web,2014-08-20,Closed with monetary relief,Yes,No,CR0992088,6804
2014-08-20,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2014-08-20,Closed with explanation,Yes,No,CR0993497,2957
2014-08-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-20,Closed with monetary relief,Yes,No,CR0992780,3859
2014-08-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-09-10,Closed with explanation,Yes,No,CR0993537,5704
2014-08-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-20,Closed with explanation,Yes,No,CR0993379,2038
2014-08-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-25,Closed with explanation,Yes,No,CR0992178,1865
2014-08-19,Credit card,,Delinquent account,,,,N/A,Web,2014-08-19,Closed with explanation,Yes,No,CR0991340,3796
2014-08-19,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-08-19,Closed with explanation,Yes,No,CR0991619,1851
2014-08-19,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-08-19,Closed with explanation,Yes,No,CR0990757,1296
2014-08-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-19,Closed with monetary relief,Yes,Yes,CR0990076,3284
2014-08-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-19,Closed with explanation,Yes,No,CR0990236,3797
2014-08-19,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-08-19,Closed with explanation,Yes,Yes,CR0990663,11275
2014-08-19,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2014-08-21,Closed with explanation,Yes,No,CR0990458,4569
2014-08-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-19,Closed with monetary relief,Yes,No,CR0990618,4325
2014-08-19,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-08-19,Closed with explanation,Yes,No,CR0990687,3923
2014-08-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-08-19,Closed with explanation,Yes,No,CR0990842,2960
2014-08-18,Credit card,,Delinquent account,,,,N/A,Web,2014-08-18,Closed with explanation,Yes,Yes,CR0988195,1058
2014-08-18,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-08-18,Closed with explanation,Yes,No,CR0989132,1901
2014-08-18,Credit card,,Other,,,,N/A,Web,2014-08-18,Closed with explanation,Yes,No,CR0988784,3210
2014-08-18,Credit card,,Payoff process,,,,N/A,Web,2014-08-18,Closed with explanation,Yes,No,CR0989535,11149
2014-08-18,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-08-20,Closed with non-monetary relief,Yes,No,CR0988287,10818
2014-08-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-08-18,Closed with explanation,Yes,No,CR0988967,2796
2014-08-18,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-08-18,Closed with non-monetary relief,Yes,Yes,CR0988286,5461
2014-08-18,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-08-20,Closed with non-monetary relief,Yes,No,CR0988288,370
2014-08-18,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-08-20,Closed with non-monetary relief,Yes,No,CR0988289,468
2014-08-18,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-08-18,Closed with explanation,Yes,Yes,CR0989387,2380
2014-08-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-18,Closed with monetary relief,Yes,No,CR0988285,4699
2014-08-18,Bank account or service,Checking account,Using a debit or ATM card,,,Servicemember,N/A,Web,2014-08-18,Closed with non-monetary relief,Yes,No,CR0989333,1134
2014-08-16,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-08-16,Closed with explanation,Yes,No,CR0987564,2126
2014-08-16,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2014-09-10,Closed with explanation,Yes,No,CR0987529,981
2014-08-16,Credit card,,Other,,,,N/A,Web,2014-08-17,Closed with monetary relief,Yes,No,CR0987822,2752
2014-08-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-16,Closed with explanation,Yes,No,CR0987728,1519
2014-08-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-08-16,Closed with explanation,Yes,No,CR0987599,10714
2014-08-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-16,Closed with monetary relief,Yes,No,CR0987627,3325
2014-08-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-16,Closed with monetary relief,Yes,No,CR0987636,3933
2014-08-15,Credit card,,Overlimit fee,,,Servicemember,N/A,Web,2014-08-19,Closed with explanation,Yes,No,CR0986057,3636
2014-08-15,Credit card,,Delinquent account,,,,N/A,Web,2014-08-15,Closed with explanation,Yes,No,CR0986089,12599
2014-08-15,Credit card,,Billing disputes,,,,N/A,Web,2014-08-15,Closed with non-monetary relief,Yes,No,CR0986441,2989
2014-08-15,Credit card,,Delinquent account,,,,N/A,Web,2014-08-15,Closed with explanation,Yes,No,CR0987238,2781
2014-08-15,Credit card,,Billing disputes,,,,N/A,Web,2014-08-15,Closed with explanation,Yes,No,CR0986282,4221
2014-08-15,Credit card,,APR or interest rate,,,,N/A,Web,2014-08-15,Closed with explanation,Yes,No,CR0985839,2101
2014-08-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-15,Closed with monetary relief,Yes,No,CR0986046,3199
2014-08-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-15,Closed with explanation,Yes,No,CR0985766,3311
2014-08-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-15,Closed with explanation,Yes,Yes,CR0986546,1101
2014-08-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-19,Closed with monetary relief,Yes,No,CR0985909,4520
2014-08-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-15,Closed with explanation,Yes,No,CR0985902,1129
2014-08-14,Credit card,,Billing disputes,,,,N/A,Web,2014-08-14,Closed with explanation,Yes,No,CR0983910,1675
2014-08-14,Credit card,,Transaction issue,,,,N/A,Web,2014-08-20,Closed with explanation,Yes,Yes,CR0983680,1454
2014-08-14,Credit card,,Billing disputes,,,,N/A,Web,2014-08-14,Closed with explanation,Yes,No,CR0983908,1237
2014-08-14,Credit card,,Other fee,,,,N/A,Web,2014-08-18,Closed with explanation,Yes,No,CR0983616,2643
2014-08-14,Credit card,,Other,,,Older American,N/A,Web,2014-08-19,Closed with explanation,Yes,Yes,CR0983739,1676
2014-08-14,Credit card,,APR or interest rate,,,,N/A,Web,2014-08-14,Closed with explanation,Yes,No,CR0984383,2605
2014-08-14,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Web,2014-08-18,Closed with non-monetary relief,Yes,No,CR0984421,2389
2014-08-14,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-08-14,Closed with explanation,Yes,Yes,CR0983626,4610
2014-08-14,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-08-14,Closed with monetary relief,Yes,No,CR0983779,2930
2014-08-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-14,Closed with explanation,Yes,No,CR0985313,13151
2014-08-13,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-08-13,Closed with explanation,Yes,No,CR0981928,2077
2014-08-13,Credit card,,Billing statement,,,,N/A,Web,2014-08-13,Closed with explanation,Yes,No,CR0981668,1814
2014-08-13,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-08-13,Closed with explanation,Yes,No,CR0982556,4065
2014-08-13,Credit card,,Billing disputes,,,,N/A,Web,2014-08-13,Closed with explanation,Yes,No,CR0982981,3199
2014-08-13,Credit card,,Delinquent account,,,,N/A,Web,2014-08-13,Closed with explanation,Yes,No,CR0982766,813
2014-08-12,Credit card,,Billing disputes,,,,N/A,Web,2014-08-12,Closed with monetary relief,Yes,No,CR0979815,2902
2014-08-12,Credit card,,Credit determination,,,,N/A,Web,2014-08-12,Closed with explanation,Yes,Yes,CR0979972,11381
2014-08-12,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2014-08-12,Closed with monetary relief,Yes,No,CR0981066,656
2014-08-12,Credit card,,Other,,,,N/A,Web,2014-08-12,Closed with explanation,Yes,Yes,CR0979614,6946
2014-08-12,Credit card,,Billing disputes,,,,N/A,Web,2014-08-14,Closed with explanation,Yes,No,CR0979576,2382
2014-08-12,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-08-12,Closed with explanation,Yes,No,CR0980488,2681
2014-08-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-12,Closed with explanation,Yes,Yes,CR0980090,10200
2014-08-11,Credit card,,Other,,,,N/A,Web,2014-08-11,Closed with explanation,Yes,No,CR0977450,7727
2014-08-11,Credit card,,Credit line increase/decrease,,,,N/A,Web,2014-08-11,Closed,Yes,No,CR0977690,3664
2014-08-11,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-08-11,Closed with explanation,Yes,No,CR0978750,3709
2014-08-11,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-08-11,Closed with explanation,Yes,Yes,CR0977271,321
2014-08-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-08-11,Closed with monetary relief,Yes,No,CR0978712,2827
2014-08-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Servicemember,N/A,Web,2014-08-11,Closed with non-monetary relief,Yes,Yes,CR0978642,4294
2014-08-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-11,Closed with explanation,Yes,No,CR0978847,10714
2014-08-10,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-08-13,Closed with explanation,Yes,Yes,CR0977024,4369
2014-08-09,Credit card,,Billing disputes,,,,N/A,Web,2014-08-09,Closed with explanation,Yes,No,CR0976644,3681
2014-08-09,Credit card,,Billing disputes,,,,N/A,Web,2014-08-12,Closed with explanation,Yes,No,CR0976645,2591
2014-08-09,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-08-12,Closed with explanation,Yes,No,CR0976698,277
2014-08-09,Credit card,,Late fee,,,,N/A,Web,2014-08-09,Closed with explanation,Yes,No,CR0976822,2863
2014-08-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-08-09,Closed with monetary relief,Yes,No,CR0976966,480
2014-08-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-13,Closed with non-monetary relief,Yes,No,CR0976787,4266
2014-08-08,Credit card,,Delinquent account,,,,N/A,Web,2014-08-08,Closed with explanation,Yes,No,CR0975531,3409
2014-08-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-08-21,Closed with explanation,Yes,Yes,CR0975068,8506
2014-08-08,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-08-08,Closed with explanation,Yes,Yes,CR0976260,1050
2014-08-08,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-08-08,Closed with explanation,Yes,No,CR0975111,12850
2014-08-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-08-08,Closed with explanation,Yes,Yes,CR0975585,615
2014-08-07,Credit card,,Cash advance,,,,N/A,Web,2014-08-07,Closed with explanation,Yes,No,CR0974310,11943
2014-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-11,Closed with explanation,Yes,Yes,CR0972877,2508
2014-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-07,Closed with explanation,Yes,No,CR0973146,1045
2014-08-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-08-11,Closed,Yes,Yes,CR0974026,5243
2014-08-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-08-07,Closed with non-monetary relief,Yes,No,CR0973126,5326
2014-08-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-08-07,Closed with non-monetary relief,Yes,No,CR0973958,2806
2014-08-06,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-08-06,Closed with explanation,Yes,No,CR0970541,806
2014-08-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-06,Closed with explanation,Yes,No,CR0971294,4454
2014-08-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-08-07,Closed with monetary relief,Yes,No,CR0970684,554
2014-08-06,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-08-06,Closed with monetary relief,Yes,No,CR0971875,4080
2014-08-05,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-08-05,Closed with non-monetary relief,Yes,Yes,CR0968788,3303
2014-08-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-05,Closed with monetary relief,Yes,No,CR0968363,3505
2014-08-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-08-05,Closed with explanation,Yes,No,CR0968732,4210
2014-08-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-08-05,Closed with explanation,Yes,Yes,CR0969547,6349
2014-08-04,Credit card,,APR or interest rate,,,,N/A,Web,2014-08-04,Closed with monetary relief,Yes,Yes,CR0966541,1237
2014-08-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-04,Closed with explanation,Yes,No,CR0967957,3546
2014-08-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-08-04,Closed with non-monetary relief,Yes,No,CR0967859,2109
2014-08-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-08-06,Closed with explanation,Yes,No,CR0966094,1035
2014-08-02,Credit card,,Billing disputes,,,,N/A,Web,2014-08-02,Closed with explanation,Yes,No,CR0965944,1686
2014-08-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-08-02,Closed with explanation,Yes,No,CR0965901,2834
2014-08-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-06,Closed with monetary relief,Yes,No,CR0965907,2801
2014-08-02,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Web,2014-08-02,Closed with monetary relief,Yes,No,CR0965939,11149
2014-08-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-02,Closed with monetary relief,Yes,Yes,CR0965999,3624
2014-08-02,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2014-08-02,Closed with monetary relief,Yes,No,CR0965989,2220
2014-08-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-08-01,Closed with explanation,Yes,No,CR0964671,5736
2014-08-01,Credit card,,Customer service / Customer relations,,,Servicemember,N/A,Web,2014-08-01,Closed with explanation,Yes,Yes,CR0964998,2875
2014-08-01,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-08-01,Closed with explanation,Yes,Yes,CR0965347,3193
2014-08-01,Bank account or service,Cashing a check without an account,Using a debit or ATM card,,,,N/A,Web,2014-08-05,Closed with explanation,Yes,No,CR0964232,430
2014-08-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-01,Closed with monetary relief,Yes,No,CR0964253,2504
2014-08-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-01,Closed with monetary relief,Yes,No,CR0964305,2907
2014-08-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-01,Closed with monetary relief,Yes,No,CR0965421,2275
2014-08-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-01,Closed with explanation,Yes,No,CR0964256,6034
2014-07-31,Credit card,,Advertising and marketing,,,,N/A,Web,2014-07-31,Closed with explanation,Yes,No,CR0962894,1814
2014-07-31,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-07-31,Closed with explanation,Yes,No,CR0962174,3530
2014-07-31,Credit card,,Billing statement,,,,N/A,Web,2014-07-31,Closed with explanation,Yes,No,CR0962911,4452
2014-07-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-31,Closed with explanation,Yes,No,CR0963449,183
2014-07-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-07-31,Closed with monetary relief,Yes,No,CR0963611,3261
2014-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-07-31,Closed with non-monetary relief,Yes,No,CR0963464,1036
2014-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-07-31,Closed with explanation,Yes,No,CR0962292,32
2014-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-07-31,Closed with explanation,Yes,Yes,CR0963532,2896
2014-07-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-08-05,Closed with monetary relief,Yes,No,CR0963436,3281
2014-07-30,Credit card,,Billing disputes,,,,N/A,Web,2014-07-30,Closed with explanation,Yes,Yes,CR0960624,391
2014-07-30,Credit card,,Other fee,,,,N/A,Web,2014-07-30,Closed with monetary relief,Yes,No,CR0961060,9593
2014-07-30,Credit card,,Other,,,,N/A,Web,2014-07-30,Closed with monetary relief,Yes,No,CR0960098,2183
2014-07-30,Credit card,,Other fee,,,,N/A,Web,2014-07-30,Closed with monetary relief,Yes,Yes,CR0961646,226
2014-07-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-08-01,Closed,Yes,No,CR0960184,3386
2014-07-30,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-07-30,Closed with explanation,Yes,No,CR0960788,2479
2014-07-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-30,Closed with explanation,Yes,No,CR0960818,1192
2014-07-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-07-30,Closed with explanation,Yes,No,CR0960903,337
2014-07-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-08-04,Closed with explanation,Yes,No,CR0961282,1556
2014-07-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-07-30,Closed with monetary relief,Yes,No,CR0960859,3407
2014-07-29,Credit card,,Bankruptcy,,,,N/A,Web,2014-07-29,Closed with explanation,Yes,No,CR0958444,3141
2014-07-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-07-29,Closed with explanation,Yes,No,CR0958780,890
2014-07-29,Credit card,,APR or interest rate,,,,N/A,Web,2014-07-29,Closed with explanation,Yes,No,CR0959023,2631
2014-07-29,Credit card,,Payoff process,,,Older American,N/A,Web,2014-07-29,Closed with explanation,Yes,No,CR0959165,41
2014-07-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-07-29,Closed with non-monetary relief,Yes,No,CR0958302,1397
2014-07-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-29,Closed with explanation,Yes,No,CR0958396,4649
2014-07-29,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-07-29,Closed with explanation,Yes,No,CR0959202,4661
2014-07-29,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-07-29,Closed with non-monetary relief,Yes,No,CR0958190,1042
2014-07-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-29,Closed with monetary relief,Yes,No,CR0958746,4182
2014-07-28,Credit card,,Application processing delay,,,,N/A,Web,2014-07-28,Closed with explanation,Yes,No,CR0956401,3990
2014-07-28,Credit card,,Billing statement,,,,N/A,Web,2014-07-28,Closed with non-monetary relief,Yes,No,CR0956418,163
2014-07-28,Credit card,,Delinquent account,,,,N/A,Web,2014-07-28,Closed with explanation,Yes,No,CR0956108,3105
2014-07-28,Credit card,,APR or interest rate,,,,N/A,Web,2014-07-28,Closed with non-monetary relief,Yes,No,CR0957438,3913
2014-07-28,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2014-08-14,Closed with explanation,Yes,No,CR0956003,1015
2014-07-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-07-28,Closed with explanation,Yes,Yes,CR0956891,2021
2014-07-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-27,Closed with explanation,Yes,Yes,CR0955874,2131
2014-07-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-07-27,Closed with explanation,Yes,No,CR0955739,5241
2014-07-25,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-07-29,Closed with explanation,Yes,Yes,CR0955115,2827
2014-07-25,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-07-25,Closed with explanation,Yes,No,CR0953740,1911
2014-07-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-07-25,Closed with monetary relief,Yes,No,CR0953804,2423
2014-07-24,Credit card,,Privacy,,,,N/A,Web,2014-07-24,Closed with explanation,Yes,No,CR0952018,952
2014-07-24,Credit card,,Billing disputes,,,,N/A,Web,2014-07-24,Closed with explanation,Yes,Yes,CR0952104,3374
2014-07-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-24,Closed with explanation,Yes,No,CR0951935,2576
2014-07-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-07-24,Closed with monetary relief,Yes,No,CR0953027,3068
2014-07-23,Credit card,,Rewards,,,,N/A,Web,2014-07-23,Closed with explanation,Yes,No,CR0949565,2184
2014-07-23,Credit card,,Late fee,,,,N/A,Web,2014-07-23,Closed with explanation,Yes,No,CR0950640,641
2014-07-23,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2014-07-30,Closed with explanation,Yes,Yes,CR0949495,202
2014-07-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-07-23,Closed with non-monetary relief,Yes,No,CR0950116,2730
2014-07-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-07-23,Closed with explanation,Yes,Yes,CR0949314,1420
2014-07-23,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2014-07-23,Closed with non-monetary relief,Yes,No,CR0950939,2585
2014-07-22,Credit card,,Other,,,Older American,N/A,Web,2014-07-22,Closed with non-monetary relief,Yes,Yes,CR0947647,2824
2014-07-22,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-07-24,Closed with explanation,Yes,Yes,CR0947505,1035
2014-07-22,Credit card,,Billing disputes,,,,N/A,Web,2014-07-22,Closed with explanation,Yes,No,CR0948832,1964
2014-07-22,Credit card,,Billing statement,,,,N/A,Web,2014-07-22,Closed with explanation,Yes,No,CR0947810,293
2014-07-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-07-25,Closed with explanation,Yes,Yes,CR0948548,12095
2014-07-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-07-22,Closed with explanation,Yes,No,CR0947699,2622
2014-07-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-07-22,Closed with monetary relief,Yes,No,CR0947363,1124
2014-07-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-07-22,Closed with explanation,Yes,Yes,CR0947527,3234
2014-07-22,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-07-22,Closed with monetary relief,Yes,No,CR0948307,4167
2014-07-22,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-07-25,Closed with explanation,Yes,Yes,CR0948827,3615
2014-07-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-07-21,Closed with explanation,Yes,No,CR0946056,4318
2014-07-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-21,Closed with explanation,Yes,No,CR0946164,1764
2014-07-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Web,2014-07-21,Closed with explanation,Yes,Yes,CR0945785,1755
2014-07-20,Credit card,,Billing disputes,,,,N/A,Web,2014-07-23,Closed with explanation,Yes,No,CR0944738,530
2014-07-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-07-20,Closed with explanation,Yes,No,CR0944791,441
2014-07-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-07-20,Closed with explanation,Yes,No,CR0944849,1507
2014-07-19,Credit card,,Billing disputes,,,,N/A,Web,2014-07-19,Closed with monetary relief,Yes,No,CR0945126,2068
2014-07-18,Credit card,,Transaction issue,,,,N/A,Web,2014-07-18,Closed with explanation,Yes,No,CR0944470,712
2014-07-18,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-07-18,Closed with monetary relief,Yes,No,CR0943329,2162
2014-07-18,Credit card,,Balance transfer,,,,N/A,Web,2014-07-30,Closed with monetary relief,Yes,No,CR0944201,5028
2014-07-18,Credit card,,Rewards,,,,N/A,Web,2014-07-18,Closed with explanation,Yes,No,CR0944200,4972
2014-07-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-07-18,Closed with monetary relief,Yes,No,CR0944387,3618
2014-07-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-18,Closed with monetary relief,Yes,No,CR0944410,5321
2014-07-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-07-19,Closed with explanation,Yes,No,CR0944997,2691
2014-07-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-07-18,Closed with explanation,Yes,No,CR0944352,968
2014-07-17,Credit card,,Delinquent account,,,,N/A,Web,2014-07-18,Closed with explanation,Yes,No,CR0941139,2932
2014-07-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2014-07-17,Closed with explanation,Yes,No,CR0941136,1725
2014-07-17,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Web,2014-07-17,Closed with explanation,Yes,No,CR0941141,1557
2014-07-15,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-07-15,Closed with explanation,Yes,No,CR0938368,10077
2014-07-15,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-07-15,Closed with explanation,Yes,Yes,CR0938632,729
2014-07-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-15,Closed with explanation,Yes,No,CR0937019,4539
2014-07-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-07-15,Closed with monetary relief,Yes,No,CR0938594,2412
2014-07-15,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Web,2014-07-21,Closed with explanation,Yes,No,CR0938452,1996
2014-07-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-15,Closed with non-monetary relief,Yes,No,CR0936955,2025
2014-07-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-07-15,Closed with explanation,Yes,No,CR0937465,3487
2014-07-14,Credit card,,Billing disputes,,,Servicemember,N/A,Web,2014-07-14,Closed with explanation,Yes,Yes,CR0936485,2003
2014-07-14,Credit card,,APR or interest rate,,,Older American,N/A,Web,2014-07-14,Closed with explanation,Yes,No,CR0935609,3682
2014-07-14,Credit card,,Transaction issue,,,,N/A,Web,2014-07-14,Closed with non-monetary relief,Yes,No,CR0936211,5352
2014-07-14,Credit card,,Rewards,,,,N/A,Web,2014-07-17,Closed with monetary relief,Yes,Yes,CR0934746,2526
2014-07-14,Credit card,,Billing disputes,,,,N/A,Web,2014-07-14,Closed with explanation,Yes,Yes,CR0934896,847
2014-07-14,Credit card,,Delinquent account,,,,N/A,Web,2014-07-14,Closed with explanation,Yes,No,CR0934986,3125
2014-07-14,Credit card,,APR or interest rate,,,,N/A,Web,2014-07-14,Closed with explanation,Yes,No,CR0935569,2628
2014-07-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-07-14,Closed with non-monetary relief,Yes,No,CR0934835,2249
2014-07-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-07-14,Closed with explanation,Yes,No,CR0936286,246
2014-07-14,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-07-21,Closed with explanation,Yes,No,CR0936323,10023
2014-07-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-07-12,Closed with explanation,Yes,No,CR0934540,2068
2014-07-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-12,Closed with monetary relief,Yes,No,CR0934569,4476
2014-07-11,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-07-11,Closed with explanation,Yes,No,CR0933191,2410
2014-07-11,Credit card,,Other,,,Older American,N/A,Web,2014-07-11,Closed with explanation,Yes,No,CR0932997,4416
2014-07-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-07-11,Closed with monetary relief,Yes,No,CR0933113,1612
2014-07-11,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-07-11,Closed with explanation,Yes,Yes,CR0934016,4105
2014-07-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-11,Closed with monetary relief,Yes,No,CR0933922,2943
2014-07-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-11,Closed with monetary relief,Yes,No,CR0932798,2803
2014-07-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-07-11,Closed with explanation,Yes,No,CR0933989,1414
2014-07-10,Credit card,,Other,,,,N/A,Web,2014-07-17,Closed with explanation,Yes,No,CR0931109,3468
2014-07-10,Credit card,,Late fee,,,,N/A,Web,2014-07-10,Closed with explanation,Yes,No,CR0931567,605
2014-07-10,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-07-10,Closed with explanation,Yes,No,CR0930674,6272
2014-07-10,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-07-10,Closed with explanation,Yes,No,CR0931558,13276
2014-07-10,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2014-07-15,Closed with explanation,Yes,No,CR0932232,13956
2014-07-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-10,Closed with monetary relief,Yes,No,CR0930804,1260
2014-07-09,Credit card,,Billing disputes,,,,N/A,Web,2014-07-09,Closed with non-monetary relief,Yes,Yes,CR0928731,4103
2014-07-09,Credit card,,Late fee,,,Older American,N/A,Web,2014-07-09,Closed with monetary relief,Yes,No,CR0929855,1081
2014-07-09,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-07-09,Closed with explanation,Yes,No,CR0929609,692
2014-07-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-07-09,Closed with explanation,Yes,No,CR0929059,1811
2014-07-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-07-14,Closed with explanation,Yes,Yes,CR0930140,3803
2014-07-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-07-14,Closed with explanation,Yes,Yes,CR0929983,2126
2014-07-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-07-09,Closed with explanation,Yes,Yes,CR0929007,772
2014-07-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-07-14,Closed with non-monetary relief,Yes,Yes,CR0928929,6691
2014-07-08,Credit card,,Arbitration,,,,N/A,Web,2014-07-08,Closed with explanation,Yes,Yes,CR0927285,5312
2014-07-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-07-08,Closed with explanation,Yes,No,CR0926692,6042
2014-07-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-11,Closed with monetary relief,Yes,No,CR0927707,4535
2014-07-08,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Web,2014-07-08,Closed with monetary relief,Yes,No,CR0926822,896
2014-07-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-07-11,Closed with explanation,Yes,No,CR0927956,3651
2014-07-08,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Web,2014-07-08,Closed with monetary relief,Yes,No,CR0927266,633
2014-07-07,Credit card,,Billing statement,,,Older American,N/A,Web,2014-07-10,Closed with explanation,Yes,No,CR0924684,1892
2014-07-07,Credit card,,Delinquent account,,,,N/A,Web,2014-07-07,Closed with explanation,Yes,No,CR0925548,3886
2014-07-07,Credit card,,Other fee,,,,N/A,Web,2014-07-07,Closed with explanation,Yes,No,CR0926459,5701
2014-07-07,Credit card,,Other,,,,N/A,Web,2014-07-15,Closed with explanation,Yes,No,CR0924746,719
2014-07-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-07,Closed with monetary relief,Yes,No,CR0926604,4575
2014-07-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-07-07,Closed with explanation,Yes,No,CR0925831,380
2014-07-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-07-07,Closed with explanation,Yes,No,CR0924732,4075
2014-07-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-07-07,Closed with explanation,Yes,Yes,CR0924714,11093
2014-07-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-07-07,Closed with monetary relief,Yes,No,CR0926616,1629
2014-07-06,Credit card,,Application processing delay,,,,N/A,Web,2014-07-10,Closed with explanation,Yes,No,CR0924345,5866
2014-07-06,Credit card,,Other fee,,,,N/A,Web,2014-07-06,Closed with explanation,Yes,No,CR0924337,1255
2014-07-05,Credit card,,Billing disputes,,,,N/A,Web,2014-07-05,Closed with explanation,Yes,No,CR0924144,11662
2014-07-05,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-07-09,Closed with explanation,Yes,No,CR0924123,12308
2014-07-05,Credit card,,Other,,,,N/A,Web,2014-07-09,Closed with explanation,Yes,Yes,CR0924099,1377
2014-07-05,Credit card,,Other,,,,N/A,Web,2014-07-05,Closed with explanation,Yes,No,CR0924179,2586
2014-07-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-07-05,Closed with explanation,Yes,No,CR0924220,119
2014-07-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-07-05,Closed with monetary relief,Yes,No,CR0924148,3436
2014-07-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-05,Closed with monetary relief,Yes,No,CR0924159,1759
2014-07-04,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2014-07-09,Closed with explanation,Yes,No,CR0923976,2510
2014-07-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-04,Closed with explanation,Yes,No,CR0924049,1135
2014-07-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-04,Closed with monetary relief,Yes,No,CR0924072,2298
2014-07-03,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-07-03,Closed with explanation,Yes,Yes,CR0922133,1693
2014-07-03,Credit card,,Billing disputes,,,,N/A,Web,2014-07-09,Closed with explanation,Yes,No,CR0922306,1454
2014-07-02,Credit card,,Billing statement,,,,N/A,Web,2014-07-02,Closed with explanation,Yes,No,CR0920884,3571
2014-07-02,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-07-02,Closed with explanation,Yes,No,CR0921757,746
2014-07-02,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2014-07-02,Closed with explanation,Yes,Yes,CR0920183,1539
2014-07-02,Credit card,,Credit line increase/decrease,,,Older American,N/A,Web,2014-07-02,Closed with explanation,Yes,No,CR0921274,3451
2014-07-02,Credit card,,Billing disputes,,,,N/A,Web,2014-07-02,Closed with explanation,Yes,No,CR0921571,2508
2014-07-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-07-02,Closed with monetary relief,Yes,No,CR0920814,3106
2014-07-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-07-02,Closed with explanation,Yes,Yes,CR0920829,1581
2014-07-02,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-07-08,Closed with non-monetary relief,Yes,No,CR0920276,2885
2014-07-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-07-02,Closed with explanation,Yes,No,CR0921686,4730
2014-07-01,Credit card,,APR or interest rate,,,,N/A,Web,2014-07-01,Closed with explanation,Yes,No,CR0919042,8089
2014-07-01,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-07-01,Closed with explanation,Yes,Yes,CR0919698,3523
2014-07-01,Credit card,,Other,,,,N/A,Web,2014-07-07,Closed with explanation,Yes,No,CR0918920,939
2014-07-01,Credit card,,Transaction issue,,,,N/A,Web,2014-07-01,Closed with explanation,Yes,No,CR0919182,6544
2014-07-01,Credit card,,Balance transfer,,,,N/A,Web,2014-07-08,Closed with explanation,Yes,Yes,CR0919934,2044
2014-07-01,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-07-01,Closed with non-monetary relief,Yes,No,CR0919616,913
2014-07-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-07-01,Closed with explanation,Yes,Yes,CR0918230,4756
2014-07-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-01,Closed with monetary relief,Yes,No,CR0919139,3628
2014-07-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-07-01,Closed with explanation,Yes,No,CR0919506,1016
2014-06-30,Credit card,,Transaction issue,,,Older American,N/A,Web,2014-06-30,Closed with explanation,Yes,No,CR0917174,2532
2014-06-30,Credit card,,Other fee,,,,N/A,Web,2014-07-02,Closed with explanation,Yes,No,CR0917902,3970
2014-06-30,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-06-30,Closed with explanation,Yes,No,CR0918012,4562
2014-06-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-29,Closed with non-monetary relief,Yes,No,CR0916016,4011
2014-06-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-30,Closed with explanation,Yes,No,CR0916768,1912
2014-06-28,Credit card,,Late fee,,,,N/A,Web,2014-06-28,Closed with explanation,Yes,No,CR0915875,2468
2014-06-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-06-28,Closed with monetary relief,Yes,No,CR0915943,4807
2014-06-28,Bank account or service,Savings account,Using a debit or ATM card,,,Older American,N/A,Web,2014-06-28,Closed with explanation,Yes,No,CR0915863,1067
2014-06-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-07-03,Closed with explanation,Yes,No,CR0915744,12844
2014-06-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-06-27,Closed with explanation,Yes,No,CR0915256,3964
2014-06-27,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-06-27,Closed with explanation,Yes,No,CR0915281,4715
2014-06-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-07-02,Closed with monetary relief,Yes,No,CR0914498,3616
2014-06-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-06-27,Closed with explanation,Yes,No,CR0915386,1235
2014-06-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-06-26,Closed with explanation,Yes,No,CR0912299,13417
2014-06-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-06-26,Closed with explanation,Yes,Yes,CR0913060,1727
2014-06-25,Credit card,,Billing disputes,,,,N/A,Web,2014-06-25,Closed with explanation,Yes,No,CR0910047,4224
2014-06-25,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-06-27,Closed with explanation,Yes,No,CR0910105,3984
2014-06-25,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2014-06-25,Closed with non-monetary relief,Yes,No,CR0910074,1109
2014-06-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-27,Closed with explanation,Yes,Yes,CR0909622,3952
2014-06-25,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-06-25,Closed with non-monetary relief,Yes,No,CR0910670,3724
2014-06-24,Credit card,,Other,,,,N/A,Web,2014-06-24,Closed with explanation,Yes,Yes,CR0908490,9914
2014-06-24,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-06-26,Closed with explanation,Yes,No,CR0909042,2295
2014-06-24,Credit card,,Other,,,,N/A,Web,2014-06-26,Closed with explanation,Yes,Yes,CR0907617,727
2014-06-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-25,Closed with explanation,Yes,Yes,CR0909762,4534
2014-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-24,Closed with explanation,Yes,No,CR0908219,4619
2014-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-24,Closed with monetary relief,Yes,No,CR0908647,3494
2014-06-23,Credit card,,Other fee,,,,N/A,Web,2014-06-23,Closed with explanation,Yes,No,CR0905808,973
2014-06-23,Credit card,,Rewards,,,,N/A,Web,2014-06-26,Closed with explanation,Yes,No,CR0907479,1769
2014-06-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-23,Closed with explanation,Yes,No,CR0905661,2094
2014-06-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-23,Closed with explanation,Yes,No,CR0905593,7672
2014-06-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-22,Closed with monetary relief,Yes,No,CR0905466,5134
2014-06-21,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-06-24,Closed with explanation,Yes,No,CR0905161,274
2014-06-21,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-06-25,Closed with explanation,Yes,Yes,CR0905133,345
2014-06-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-21,Closed with explanation,Yes,No,CR0905237,4446
2014-06-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-21,Closed with explanation,Yes,Yes,CR0905242,671
2014-06-20,Credit card,,Transaction issue,,,,N/A,Web,2014-06-20,Closed with monetary relief,Yes,No,CR0903763,2623
2014-06-20,Credit card,,Transaction issue,,,,N/A,Web,2014-06-20,Closed with explanation,Yes,No,CR0903659,1062
2014-06-20,Credit card,,Late fee,,,,N/A,Web,2014-06-24,Closed with explanation,Yes,No,CR0904041,1789
2014-06-20,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-06-20,Closed with explanation,Yes,No,CR0904432,4399
2014-06-20,Credit card,,Other,,,,N/A,Web,2014-06-20,Closed with explanation,Yes,No,CR0904251,10566
2014-06-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-20,Closed with explanation,Yes,No,CR0904469,2684
2014-06-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-20,Closed with non-monetary relief,Yes,No,CR0903654,1691
2014-06-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-20,Closed with explanation,Yes,No,CR0904412,4028
2014-06-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-20,Closed with explanation,Yes,No,CR0904382,1823
2014-06-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-06-20,Closed with explanation,Yes,Yes,CR0903424,12599
2014-06-19,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-06-23,Closed with explanation,Yes,Yes,CR0901303,2046
2014-06-19,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-06-19,Closed with explanation,Yes,No,CR0902743,3801
2014-06-19,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-06-19,Closed with explanation,Yes,No,CR0901574,1966
2014-06-19,Credit card,,Other,,,,N/A,Web,2014-06-19,Closed with explanation,Yes,Yes,CR0901615,432
2014-06-19,Credit card,,Other,,,,N/A,Web,2014-06-23,Closed with explanation,Yes,No,CR0902231,38
2014-06-19,Credit card,,Other,,,,N/A,Web,2014-06-23,Closed with explanation,Yes,Yes,CR0901614,7100
2014-06-19,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-06-23,Closed with explanation,Yes,No,CR0901996,2651
2014-06-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-06-19,Closed with explanation,Yes,No,CR0901321,1212
2014-06-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-06-19,Closed with explanation,Yes,No,CR0902773,2463
2014-06-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-06-19,Closed with explanation,Yes,Yes,CR0901449,2460
2014-06-18,Credit card,,Advertising and marketing,,,,N/A,Web,2014-06-18,Closed with explanation,Yes,No,CR0900020,2046
2014-06-18,Credit card,,Billing disputes,,,,N/A,Web,2014-06-20,Closed with explanation,Yes,No,CR0899593,7011
2014-06-18,Credit card,,Billing disputes,,,,N/A,Web,2014-06-20,Closed with explanation,Yes,Yes,CR0899395,1217
2014-06-18,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-06-18,Closed with explanation,Yes,No,CR0899618,895
2014-06-18,Credit card,,APR or interest rate,,,,N/A,Web,2014-06-18,Closed with explanation,Yes,No,CR0899882,1508
2014-06-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-20,Closed with explanation,Yes,No,CR0899474,1474
2014-06-18,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-06-18,Closed with explanation,Yes,No,CR0900451,3511
2014-06-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-18,Closed with explanation,Yes,No,CR0900696,12144
2014-06-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-17,Closed with explanation,Yes,No,CR0897852,2921
2014-06-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-06-20,Closed with explanation,Yes,No,CR0898913,5722
2014-06-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-06-17,Closed with monetary relief,Yes,No,CR0898381,126
2014-06-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-17,Closed with explanation,Yes,No,CR0898619,3800
2014-06-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2014-06-17,Closed with explanation,Yes,Yes,CR0898757,903
2014-06-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-17,Closed with explanation,Yes,No,CR0898082,5137
2014-06-16,Credit card,,Delinquent account,,,,N/A,Web,2014-06-16,Closed with explanation,Yes,Yes,CR0895754,253
2014-06-16,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-06-16,Closed,Yes,No,CR0895855,2866
2014-06-16,Credit card,,Billing disputes,,,,N/A,Web,2014-06-16,Closed with explanation,Yes,No,CR0895808,121
2014-06-16,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Web,2014-06-18,Closed with explanation,Yes,No,CR0895987,4720
2014-06-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-16,Closed with explanation,Yes,No,CR0896381,13751
2014-06-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-16,Closed with explanation,Yes,No,CR0895949,4729
2014-06-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-16,Closed with monetary relief,Yes,No,CR0896063,4309
2014-06-15,Credit card,,Transaction issue,,,,N/A,Web,2014-06-18,Closed with explanation,Yes,No,CR0895649,1065
2014-06-15,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-06-15,Closed with explanation,Yes,No,CR0895632,5606
2014-06-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-14,Closed with explanation,Yes,Yes,CR0895571,3427
2014-06-14,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-06-14,Closed with monetary relief,Yes,No,CR0895317,4198
2014-06-14,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2014-06-14,Closed with explanation,Yes,No,CR0895530,11050
2014-06-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2014-06-14,Closed with explanation,Yes,No,CR0895548,1516
2014-06-13,Credit card,,Late fee,,,,N/A,Web,2014-06-13,Closed with monetary relief,Yes,No,CR0894281,3862
2014-06-13,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2014-06-13,Closed with explanation,Yes,No,CR0894548,2401
2014-06-13,Credit card,,Other,,,,N/A,Web,2014-06-13,Closed with explanation,Yes,Yes,CR0893733,3154
2014-06-13,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-06-13,Closed with explanation,Yes,No,CR0894822,80
2014-06-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-06-13,Closed with explanation,Yes,No,CR0894884,2361
2014-06-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-12,Closed with monetary relief,Yes,No,CR0891546,1909
2014-06-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-12,Closed with explanation,Yes,No,CR0891396,1321
2014-06-11,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-06-13,Closed with explanation,Yes,No,CR0889401,277
2014-06-11,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-06-12,Closed with explanation,Yes,Yes,CR0889432,1850
2014-06-11,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-06-11,Closed,Yes,No,CR0890849,6183
2014-06-11,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Web,2014-06-11,Closed with explanation,Yes,No,CR0889521,2394
2014-06-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-11,Closed with monetary relief,Yes,No,CR0890664,3292
2014-06-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-11,Closed with explanation,Yes,No,CR0890725,3489
2014-06-11,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-06-11,Closed with explanation,Yes,No,CR0890967,3016
2014-06-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-11,Closed with explanation,Yes,No,CR0890999,1990
2014-06-11,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-06-11,Closed with non-monetary relief,Yes,No,CR0890231,8327
2014-06-10,Credit card,,Delinquent account,,,Older American,N/A,Web,2014-06-10,Closed with explanation,Yes,No,CR0889390,3819
2014-06-10,Credit card,,Advertising and marketing,,,Older American,N/A,Web,2014-06-10,Closed with explanation,Yes,No,CR0888826,4628
2014-06-10,Credit card,,Delinquent account,,,,N/A,Web,2014-06-11,Closed with explanation,Yes,No,CR0889381,8091
2014-06-10,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-06-10,Closed with explanation,Yes,No,CR0887742,2615
2014-06-10,Credit card,,Delinquent account,,,,N/A,Web,2014-06-10,Closed with explanation,Yes,Yes,CR0889303,2498
2014-06-10,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-06-10,Closed with explanation,Yes,No,CR0888009,4205
2014-06-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-10,Closed with monetary relief,Yes,No,CR0888043,683
2014-06-10,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-06-10,Closed with monetary relief,Yes,No,CR0888584,10988
2014-06-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-10,Closed with explanation,Yes,No,CR0887475,4029
2014-06-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Servicemember,N/A,Web,2014-06-10,Closed with monetary relief,Yes,No,CR0888993,3070
2014-06-09,Credit card,,Other,,,,N/A,Web,2014-06-11,Closed with explanation,Yes,No,CR0886789,1467
2014-06-09,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-06-09,Closed with explanation,Yes,Yes,CR0885737,5141
2014-06-09,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-06-09,Closed with explanation,Yes,No,CR0886656,2034
2014-06-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-09,Closed with explanation,Yes,Yes,CR0886361,2002
2014-06-09,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Servicemember,N/A,Web,2014-06-09,Closed with explanation,Yes,No,CR0887371,4121
2014-06-08,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-06-08,Closed with explanation,Yes,Yes,CR0885527,2187
2014-06-08,Credit card,,Delinquent account,,,,N/A,Web,2014-06-11,Closed with explanation,Yes,No,CR0885500,3695
2014-06-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-10,Closed with non-monetary relief,Yes,No,CR0885600,4416
2014-06-07,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-06-07,Closed with explanation,Yes,Yes,CR0885418,473
2014-06-07,Credit card,,Billing disputes,,,,N/A,Web,2014-06-07,Closed with non-monetary relief,Yes,No,CR0885272,4690
2014-06-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2014-06-07,Closed with explanation,Yes,No,CR0885347,3716
2014-06-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-06-07,Closed with explanation,Yes,Yes,CR0885483,4139
2014-06-06,Credit card,,Other,,,,N/A,Web,2014-06-06,Closed with explanation,Yes,No,CR0883782,3330
2014-06-06,Credit card,,Advertising and marketing,,,,N/A,Web,2014-06-06,Closed with explanation,Yes,No,CR0883659,1188
2014-06-06,Credit card,,Delinquent account,,,,N/A,Web,2014-06-06,Closed with explanation,Yes,No,CR0885225,3430
2014-06-06,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-06-06,Closed with explanation,Yes,No,CR0884570,1689
2014-06-06,Credit card,,Billing disputes,,,Servicemember,N/A,Web,2014-06-06,Closed with explanation,Yes,Yes,CR0885253,2606
2014-06-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-06-11,Closed,Yes,No,CR0884131,4685
2014-06-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-06,Closed with monetary relief,Yes,No,CR0884569,1668
2014-06-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-06,Closed with explanation,Yes,No,CR0884825,11122
2014-06-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-06,Closed with explanation,Yes,Yes,CR0883841,1980
2014-06-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-10,Closed with explanation,Yes,Yes,CR0885239,144
2014-06-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-06,Closed with non-monetary relief,Yes,No,CR0883594,1931
2014-06-05,Credit card,,Advertising and marketing,,,,N/A,Web,2014-06-05,Closed with explanation,Yes,No,CR0882662,4152
2014-06-05,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-06-05,Closed with explanation,Yes,Yes,CR0881841,13480
2014-06-05,Credit card,,Billing disputes,,,,N/A,Web,2014-06-05,Closed with explanation,Yes,No,CR0881924,4680
2014-06-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-06-05,Closed with explanation,Yes,No,CR0882942,13971
2014-06-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-05,Closed with explanation,Yes,No,CR0882943,3765
2014-06-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-25,Closed with monetary relief,Yes,No,CR0883112,3478
2014-06-05,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-06-05,Closed with explanation,Yes,Yes,CR0881947,4377
2014-06-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-05,Closed with explanation,Yes,No,CR0882131,10075
2014-06-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-05,Closed with explanation,Yes,No,CR0881893,3921
2014-06-04,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,Older American,N/A,Web,2014-06-04,Closed with explanation,Yes,No,CR0879906,3613
2014-06-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-04,Closed with monetary relief,Yes,No,CR0880240,2576
2014-06-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-06-04,Closed with monetary relief,Yes,No,CR0880078,4165
2014-06-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-06-04,Closed with monetary relief,Yes,No,CR0881389,995
2014-06-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-04,Closed with explanation,Yes,No,CR0880906,4320
2014-06-03,Credit card,,Billing disputes,,,,N/A,Web,2014-06-05,Closed with explanation,Yes,Yes,CR0879068,1429
2014-06-03,Credit card,,Billing disputes,,,,N/A,Web,2014-06-23,Closed with explanation,Yes,No,CR0879368,2551
2014-06-03,Credit card,,Billing disputes,,,,N/A,Web,2014-06-03,Closed with monetary relief,Yes,No,CR0878860,1748
2014-06-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-03,Closed with explanation,Yes,No,CR0878922,547
2014-06-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-03,Closed with explanation,Yes,Yes,CR0879775,739
2014-06-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-03,Closed with monetary relief,Yes,No,CR0878319,11851
2014-06-02,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-06-02,Closed with explanation,Yes,Yes,CR0877280,3890
2014-06-02,Credit card,,Other fee,,,,N/A,Web,2014-06-06,Closed with explanation,Yes,No,CR0876619,1548
2014-06-02,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-06-02,Closed with explanation,Yes,No,CR0876821,4461
2014-06-02,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-06-02,Closed with explanation,Yes,No,CR0877555,2455
2014-06-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-05,Closed with explanation,Yes,No,CR0877157,11337
2014-06-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-06-02,Closed with explanation,Yes,Yes,CR0877576,10303
2014-06-02,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-06-02,Closed with explanation,Yes,Yes,CR0876939,195
2014-06-01,Credit card,,Billing statement,,,Older American,N/A,Web,2014-06-03,Closed with explanation,Yes,Yes,CR0875966,2864
2014-06-01,Credit card,,Advertising and marketing,,,,N/A,Web,2014-06-01,Closed with explanation,Yes,Yes,CR0876122,1310
2014-06-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-06-01,Closed with monetary relief,Yes,No,CR0876004,3863
2014-05-31,Credit card,,Delinquent account,,,,N/A,Web,2014-05-31,Closed with explanation,Yes,No,CR0875805,609
2014-05-31,Credit card,,Rewards,,,,N/A,Web,2014-05-31,Closed with explanation,Yes,No,CR0875942,2813
2014-05-31,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-05-31,Closed with explanation,Yes,No,CR0875796,4783
2014-05-31,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-05-31,Closed with explanation,Yes,No,CR0875873,3242
2014-05-31,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-05-31,Closed with explanation,Yes,No,CR0875872,994
2014-05-30,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-05-30,Closed with explanation,Yes,No,CR0874631,1614
2014-05-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-05-30,Closed with monetary relief,Yes,No,CR0874671,5774
2014-05-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-06-10,Closed with explanation,Yes,No,CR0874182,3469
2014-05-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-30,Closed with explanation,Yes,Yes,CR0875043,414
2014-05-29,Credit card,,APR or interest rate,,,,N/A,Web,2014-05-29,Closed with explanation,Yes,No,CR0871796,3562
2014-05-29,Credit card,,Balance transfer fee,,,,N/A,Web,2014-05-29,Closed with explanation,Yes,No,CR0873843,3947
2014-05-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-29,Closed with non-monetary relief,Yes,No,CR0872879,2402
2014-05-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-05-29,Closed with explanation,Yes,No,CR0872043,3965
2014-05-29,Bank account or service,Other bank product/service,Using a debit or ATM card,,,Older American,N/A,Web,2014-05-29,Closed with non-monetary relief,Yes,No,CR0872519,1941
2014-05-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-05-29,Closed with non-monetary relief,Yes,No,CR0872871,3622
2014-05-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-29,Closed,Yes,No,CR0873765,4138
2014-05-29,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Web,2014-05-29,Closed with explanation,Yes,Yes,CR0873113,2305
2014-05-29,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-05-29,Closed with monetary relief,Yes,No,CR0873239,331
2014-05-29,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-05-29,Closed with explanation,Yes,No,CR0873315,4640
2014-05-28,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-06-03,Closed with non-monetary relief,Yes,No,CR0870904,784
2014-05-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-06-02,Closed with explanation,Yes,No,CR0870983,4145
2014-05-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-28,Closed,Yes,No,CR0871705,4161
2014-05-28,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-05-28,Closed with explanation,Yes,Yes,CR0869774,3256
2014-05-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-05-28,Closed with non-monetary relief,Yes,Yes,CR0869872,4689
2014-05-28,Bank account or service,Other bank product/service,Using a debit or ATM card,,,Older American,N/A,Web,2014-06-02,Closed with explanation,Yes,Yes,CR0871679,4046
2014-05-27,Credit card,,APR or interest rate,,,,N/A,Web,2014-05-27,Closed with explanation,Yes,No,CR0869690,586
2014-05-27,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2014-06-02,Closed with explanation,Yes,Yes,CR0869395,4737
2014-05-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-05-27,Closed with explanation,Yes,No,CR0868038,2734
2014-05-27,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-06-02,Closed with explanation,Yes,Yes,CR0868374,5563
2014-05-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-27,Closed with explanation,Yes,No,CR0868781,3780
2014-05-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-05-26,Closed with monetary relief,Yes,No,CR0867817,2309
2014-05-26,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2014-05-26,Closed with monetary relief,Yes,Yes,CR0867942,7723
2014-05-25,Credit card,,Delinquent account,,,,N/A,Web,2014-05-25,Closed with explanation,Yes,No,CR0867622,318
2014-05-25,Credit card,,Payoff process,,,,N/A,Web,2014-05-25,Closed with non-monetary relief,Yes,No,CR0867751,2721
2014-05-24,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-05-29,Closed with explanation,Yes,No,CR0867569,1305
2014-05-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-05-24,Closed with monetary relief,Yes,No,CR0867426,6115
2014-05-23,Credit card,,Application processing delay,,,,N/A,Web,2014-05-23,Closed with explanation,Yes,No,CR0865872,12750
2014-05-23,Credit card,,Credit line increase/decrease,,,Older American,N/A,Web,2014-05-23,Closed with explanation,Yes,No,CR0866865,4274
2014-05-23,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-05-28,Closed with monetary relief,Yes,No,CR0866429,4234
2014-05-23,Credit card,,Late fee,,,,N/A,Web,2014-05-28,Closed with explanation,Yes,No,CR0867082,3234
2014-05-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-05-23,Closed,Yes,No,CR0867114,2180
2014-05-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-05-23,Closed with monetary relief,Yes,No,CR0866058,4288
2014-05-23,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-05-23,Closed with monetary relief,Yes,No,CR0866165,3112
2014-05-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2014-05-23,Closed with explanation,Yes,No,CR0866719,10076
2014-05-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-05-23,Closed with explanation,Yes,No,CR0866059,541
2014-05-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-05-23,Closed with non-monetary relief,Yes,No,CR0866827,1938
2014-05-22,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-05-22,Closed with explanation,Yes,No,CR0864490,2470
2014-05-22,Credit card,,Other,,,,N/A,Web,2014-05-23,Closed with explanation,Yes,No,CR0865477,2079
2014-05-22,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,N/A,Web,2014-05-22,Closed with explanation,Yes,No,CR0864289,3876
2014-05-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-05-22,Closed with non-monetary relief,Yes,No,CR0864450,3227
2014-05-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-22,Closed with monetary relief,Yes,No,CR0865298,2980
2014-05-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-22,Closed with explanation,Yes,Yes,CR0864302,3371
2014-05-22,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Web,2014-05-22,Closed with non-monetary relief,Yes,No,CR0865432,3195
2014-05-22,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-05-22,Closed with monetary relief,Yes,No,CR0865074,4093
2014-05-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-22,Closed with monetary relief,Yes,Yes,CR0864382,4467
2014-05-22,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-05-22,Closed with explanation,Yes,Yes,CR0864584,1103
2014-05-22,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-05-22,Closed with explanation,Yes,No,CR0864797,3784
2014-05-22,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-05-22,Closed with monetary relief,Yes,No,CR0865004,2062
2014-05-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-27,Closed with non-monetary relief,Yes,No,CR0864219,11359
2014-05-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-05-22,Closed with explanation,Yes,No,CR0865109,1186
2014-05-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-05-21,Closed with explanation,Yes,No,CR0863229,1161
2014-05-21,Credit card,,Billing disputes,,,,N/A,Web,2014-05-21,Closed with explanation,Yes,No,CR0862260,4018
2014-05-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-05-21,Closed with explanation,Yes,No,CR0862840,526
2014-05-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-05-22,Closed with explanation,Yes,Yes,CR0863501,3160
2014-05-21,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-05-22,Closed with non-monetary relief,Yes,No,CR0862057,5081
2014-05-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-05-21,Closed with monetary relief,Yes,No,CR0861980,1954
2014-05-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-21,Closed with explanation,Yes,No,CR0863413,5223
2014-05-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-05-21,Closed with non-monetary relief,Yes,No,CR0861948,242
2014-05-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-21,Closed with non-monetary relief,Yes,No,CR0862956,825
2014-05-20,Credit card,,Other,,,,N/A,Web,2014-05-29,Closed with explanation,Yes,No,CR0861420,724
2014-05-20,Credit card,,Other fee,,,,N/A,Web,2014-05-20,Closed with explanation,Yes,No,CR0860284,2091
2014-05-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-05-20,Closed with explanation,Yes,No,CR0861012,3546
2014-05-20,Credit card,,APR or interest rate,,,Servicemember,N/A,Web,2014-05-20,Closed with monetary relief,Yes,No,CR0859955,2968
2014-05-20,Credit card,,Payoff process,,,,N/A,Web,2014-05-20,Closed with explanation,Yes,No,CR0861284,1232
2014-05-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-05-21,Closed with non-monetary relief,Yes,No,CR0860103,4317
2014-05-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2014-05-20,Closed,Yes,Yes,CR0861501,4088
2014-05-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-05-22,Closed with monetary relief,Yes,No,CR0861262,1941
2014-05-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-05-20,Closed with monetary relief,Yes,No,CR0860382,4095
2014-05-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-06-06,Closed with explanation,Yes,Yes,CR0861046,2778
2014-05-19,Credit card,,Billing disputes,,,,N/A,Web,2014-05-19,Closed with explanation,Yes,Yes,CR0857700,2548
2014-05-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-05-19,Closed with monetary relief,Yes,No,CR0859044,13968
2014-05-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-19,Closed with monetary relief,Yes,No,CR0858529,1186
2014-05-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-20,Closed,Yes,No,CR0861441,2551
2014-05-19,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Web,2014-05-19,Closed with non-monetary relief,Yes,No,CR0858724,2815
2014-05-18,Credit card,,Late fee,,,,N/A,Web,2014-05-18,Closed with explanation,Yes,No,CR0857420,2025
2014-05-17,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-05-20,Closed with explanation,Yes,No,CR0857080,5245
2014-05-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-05-17,Closed,Yes,No,CR0857166,899
2014-05-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-16,Closed with explanation,Yes,No,CR0856692,4429
2014-05-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-05-16,Closed with monetary relief,Yes,No,CR0856564,4241
2014-05-16,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-05-16,Closed with explanation,Yes,No,CR0855570,1344
2014-05-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-05-20,Closed with non-monetary relief,Yes,No,CR0855934,2096
2014-05-16,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-05-19,Closed with explanation,Yes,No,CR0855244,2587
2014-05-15,Credit card,,Other,,,,N/A,Web,2014-05-15,Closed with explanation,Yes,Yes,CR0854680,3258
2014-05-15,Credit card,,Other,,,,N/A,Web,2014-05-15,Closed with explanation,Yes,No,CR0854718,2663
2014-05-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-05-15,Closed with explanation,Yes,Yes,CR0854854,1640
2014-05-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-05-15,Closed with monetary relief,Yes,No,CR0853471,4711
2014-05-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-05-19,Closed with monetary relief,Yes,No,CR0854855,11497
2014-05-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2014-05-15,Closed with explanation,Yes,No,CR0854180,6789
2014-05-14,Credit card,,Transaction issue,,,Older American,N/A,Web,2014-05-14,Closed with explanation,Yes,No,CR0851616,694
2014-05-14,Credit card,,Billing statement,,,,N/A,Web,2014-05-14,Closed with explanation,Yes,No,CR0851313,2112
2014-05-14,Credit card,,Transaction issue,,,,N/A,Web,2014-05-14,Closed with explanation,Yes,No,CR0851322,4747
2014-05-14,Credit card,,Delinquent account,,,,N/A,Web,2014-05-14,Closed with explanation,Yes,Yes,CR0851292,4226
2014-05-14,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-05-14,Closed with explanation,Yes,No,CR0851448,5013
2014-05-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-05-14,Closed with explanation,Yes,No,CR0851997,2537
2014-05-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-05-14,Closed with monetary relief,Yes,No,CR0851250,3595
2014-05-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-05-14,Closed with monetary relief,Yes,No,CR0852951,10476
2014-05-14,Bank account or service,(CD) Certificate of deposit,"Making/receiving payments, sending money",,,,N/A,Web,2014-05-14,Closed with non-monetary relief,Yes,No,CR0852028,4733
2014-05-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-05-14,Closed with monetary relief,Yes,No,CR0852612,2349
2014-05-14,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-05-14,Closed with explanation,Yes,No,CR0852207,1643
2014-05-13,Credit card,,Billing statement,,,,N/A,Web,2014-05-13,Closed with explanation,Yes,No,CR0849923,5232
2014-05-13,Credit card,,Advertising and marketing,,,,N/A,Web,2014-05-14,Closed with non-monetary relief,Yes,Yes,CR0851199,13261
2014-05-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-05-15,Closed with explanation,Yes,No,CR0849742,1850
2014-05-13,Credit card,,Other,,,,N/A,Web,2014-05-13,Closed with explanation,Yes,Yes,CR0849188,1023
2014-05-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-05-13,Closed with monetary relief,Yes,No,CR0850351,3916
2014-05-13,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-05-13,Closed with explanation,Yes,No,CR0850650,2699
2014-05-12,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2014-05-12,Closed with monetary relief,Yes,No,CR0848524,1087
2014-05-12,Credit card,,Other,,,,N/A,Web,2014-05-15,Closed with non-monetary relief,Yes,No,CR0847959,760
2014-05-12,Credit card,,Other,,,,N/A,Web,2014-05-12,Closed with non-monetary relief,Yes,Yes,CR0847803,1683
2014-05-12,Credit card,,Rewards,,,,N/A,Web,2014-05-15,Closed with explanation,Yes,No,CR0847937,9250
2014-05-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-12,Closed with explanation,Yes,Yes,CR0848320,1137
2014-05-12,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Web,2014-05-12,Closed with monetary relief,Yes,No,CR0848693,1470
2014-05-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-12,Closed with explanation,Yes,No,CR0848396,2226
2014-05-10,Credit card,,APR or interest rate,,,,N/A,Web,2014-05-14,Closed with explanation,Yes,No,CR0846663,2203
2014-05-10,Credit card,,Billing statement,,,,N/A,Web,2014-05-10,Closed with explanation,Yes,No,CR0846700,2443
2014-05-10,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-05-10,Closed with explanation,Yes,Yes,CR0846706,131
2014-05-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-05-10,Closed with explanation,Yes,No,CR0846800,3496
2014-05-09,Credit card,,Billing disputes,,,,N/A,Web,2014-05-09,Closed with non-monetary relief,Yes,Yes,CR0845660,391
2014-05-09,Credit card,,Billing statement,,,,N/A,Web,2014-05-09,Closed with explanation,Yes,Yes,CR0846068,4661
2014-05-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-05-13,Closed with explanation,Yes,No,CR0844968,1963
2014-05-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-05-09,Closed with non-monetary relief,Yes,No,CR0845391,3619
2014-05-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-05-09,Closed with non-monetary relief,Yes,No,CR0845019,1259
2014-05-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-05-09,Closed with explanation,Yes,No,CR0846002,388
2014-05-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-05-12,Closed with explanation,Yes,No,CR0846477,5704
2014-05-08,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-05-13,Closed with explanation,Yes,No,CR0843011,4716
2014-05-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2014-05-08,Closed with explanation,Yes,No,CR0843708,3462
2014-05-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-08,Closed with explanation,Yes,No,CR0843710,429
2014-05-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-09,Closed with explanation,Yes,No,CR0841072,2579
2014-05-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-05-09,Closed with explanation,Yes,No,CR0841999,4477
2014-05-06,Credit card,,Other,,,,N/A,Web,2014-05-06,Closed with explanation,Yes,Yes,CR0839530,13955
2014-05-06,Credit card,,Billing statement,,,,N/A,Web,2014-05-06,Closed with non-monetary relief,Yes,No,CR0839541,2468
2014-05-06,Credit card,,Other,,,,N/A,Web,2014-05-06,Closed with explanation,Yes,No,CR0839448,4178
2014-05-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-05-06,Closed with monetary relief,Yes,No,CR0839914,995
2014-05-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-05-06,Closed with explanation,Yes,No,CR0840485,2383
2014-05-06,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-05-06,Closed with explanation,Yes,No,CR0839504,3148
2014-05-06,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-05-12,Closed with explanation,Yes,No,CR0839024,1286
2014-05-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-05-06,Closed with monetary relief,Yes,Yes,CR0839391,4783
2014-05-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-05-06,Closed with explanation,Yes,No,CR0840498,6342
2014-05-05,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Web,2014-05-07,Closed with explanation,Yes,No,CR0838455,1235
2014-05-05,Credit card,,Other fee,,,,N/A,Web,2014-05-07,Closed with explanation,Yes,No,CR0837879,3501
2014-05-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-05,Closed with explanation,Yes,No,CR0837761,6040
2014-05-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-05-05,Closed with monetary relief,Yes,No,CR0838267,1484
2014-05-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-05-05,Closed with explanation,Yes,No,CR0838111,1369
2014-05-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-05-08,Closed with explanation,Yes,No,CR0837146,1543
2014-05-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-05-07,Closed with monetary relief,Yes,No,CR0838237,3639
2014-05-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-05,Closed with explanation,Yes,No,CR0838616,4264
2014-05-04,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-05-04,Closed with monetary relief,Yes,No,CR0836899,3683
2014-05-03,Credit card,,Advertising and marketing,,,,N/A,Web,2014-05-03,Closed with explanation,Yes,No,CR0836739,2875
2014-05-03,Credit card,,Delinquent account,,,,N/A,Web,2014-05-07,Closed with explanation,Yes,No,CR0836667,2938
2014-05-03,Credit card,,Billing disputes,,,,N/A,Web,2014-05-03,Closed with explanation,Yes,No,CR0836740,427
2014-05-03,Credit card,,Billing disputes,,,,N/A,Web,2014-05-07,Closed with explanation,Yes,No,CR0836871,4114
2014-05-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-05-07,Closed with explanation,Yes,No,CR0836664,512
2014-05-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-05-07,Closed with explanation,Yes,No,CR0836851,1123
2014-05-02,Credit card,,Other,,,,N/A,Web,2014-05-07,Closed with explanation,Yes,No,CR0836015,4520
2014-05-02,Credit card,,Other,,,,N/A,Web,2014-05-06,Closed with explanation,Yes,No,CR0835573,3498
2014-05-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-05-05,Closed with explanation,Yes,No,CR0833761,11754
2014-05-01,Credit card,,Arbitration,,,,N/A,Web,2014-05-05,Closed with monetary relief,Yes,No,CR0833863,6501
2014-05-01,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-05-01,Closed with explanation,Yes,No,CR0833665,3011
2014-05-01,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-05-05,Closed with monetary relief,Yes,No,CR0833813,117
2014-05-01,Credit card,,Billing disputes,,,,N/A,Web,2014-05-06,Closed with explanation,Yes,No,CR0833357,4447
2014-05-01,Credit card,,Credit line increase/decrease,,,,N/A,Web,2014-05-06,Closed with non-monetary relief,Yes,No,CR0833274,1198
2014-05-01,Credit card,,Advertising and marketing,,,,N/A,Web,2014-05-01,Closed with non-monetary relief,Yes,No,CR0833273,2551
2014-05-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-05-01,Closed with explanation,Yes,No,CR0833673,3125
2014-05-01,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-05-01,Closed with monetary relief,Yes,No,CR0833194,4564
2014-05-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-05-01,Closed with monetary relief,Yes,No,CR0834137,1951
2014-05-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-05-01,Closed with explanation,Yes,Yes,CR0833647,2397
2014-05-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-05-07,Closed with explanation,Yes,No,CR0833235,175
2014-04-30,Credit card,,Billing statement,,,,N/A,Web,2014-04-30,Closed with explanation,Yes,No,CR0832194,1349
2014-04-30,Credit card,,Billing disputes,,,,N/A,Web,2014-05-05,Closed with explanation,Yes,No,CR0831337,3156
2014-04-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-04-30,Closed with explanation,Yes,No,CR0831721,1172
2014-04-30,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-04-30,Closed with explanation,Yes,Yes,CR0831109,2667
2014-04-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-30,Closed with explanation,Yes,No,CR0832232,3326
2014-04-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-30,Closed with explanation,Yes,Yes,CR0831113,144
2014-04-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-30,Closed with explanation,Yes,No,CR0832974,4091
2014-04-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-05-02,Closed with monetary relief,Yes,No,CR0831296,4531
2014-04-30,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2014-04-30,Closed with non-monetary relief,Yes,No,CR0831778,1821
2014-04-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-30,Closed with explanation,Yes,No,CR0831888,3760
2014-04-30,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2014-04-30,Closed with explanation,Yes,No,CR0832246,527
2014-04-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-05-05,Closed with monetary relief,Yes,No,CR0832537,2206
2014-04-29,Credit card,,Other,,,Older American,N/A,Web,2014-04-29,Closed with explanation,Yes,No,CR0829546,1048
2014-04-29,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2014-04-29,Closed with explanation,Yes,No,CR0829578,3082
2014-04-29,Credit card,,APR or interest rate,,,,N/A,Web,2014-04-29,Closed with explanation,Yes,Yes,CR0830093,547
2014-04-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-05-02,Closed with explanation,Yes,No,CR0830990,3038
2014-04-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-29,Closed with monetary relief,Yes,No,CR0830525,646
2014-04-28,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2014-04-30,Closed with explanation,Yes,No,CR0828039,2749
2014-04-28,Credit card,,Other,,,,N/A,Web,2014-04-29,Closed with explanation,Yes,Yes,CR0828723,4705
2014-04-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-28,Closed with monetary relief,No,No,CR0828732,4112
2014-04-28,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-05-07,Closed with explanation,Yes,Yes,CR0828715,4786
2014-04-27,Credit card,,APR or interest rate,,,,N/A,Web,2014-04-27,Closed with explanation,Yes,Yes,CR0820276,838
2014-04-27,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,Older American,N/A,Web,2014-04-27,Closed with explanation,Yes,No,CR0820278,3288
2014-04-26,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-04-26,Closed with non-monetary relief,Yes,No,CR0826714,2715
2014-04-26,Credit card,,Other,,,,N/A,Web,2014-04-30,Closed with explanation,Yes,No,CR0826823,3585
2014-04-26,Credit card,,Transaction issue,,,,N/A,Web,2014-04-26,Closed with explanation,Yes,Yes,CR0826785,2194
2014-04-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2014-04-30,Closed with explanation,Yes,Yes,CR0826825,1380
2014-04-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-26,Closed with explanation,Yes,No,CR0826959,10023
2014-04-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2014-04-30,Closed with explanation,Yes,No,CR0826910,1774
2014-04-25,Credit card,,Billing disputes,,,Servicemember,N/A,Web,2014-04-25,Closed with explanation,Yes,Yes,CR0826556,5072
2014-04-25,Credit card,,Transaction issue,,,,N/A,Web,2014-04-25,Closed with explanation,Yes,No,CR0825740,2040
2014-04-25,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-04-25,Closed,Yes,No,CR0825794,3085
2014-04-25,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-04-25,Closed with explanation,Yes,Yes,CR0825373,255
2014-04-25,Credit card,,Other,,,,N/A,Web,2014-04-29,Closed with explanation,Yes,No,CR0825893,1611
2014-04-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-04-25,Closed with explanation,Yes,No,CR0826101,4176
2014-04-25,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2014-04-24,Closed with explanation,Yes,No,CR0825167,2491
2014-04-25,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-04-29,Closed with explanation,Yes,Yes,CR0825375,3323
2014-04-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-25,Closed with explanation,Yes,Yes,CR0825374,315
2014-04-25,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-04-25,Closed with explanation,Yes,No,CR0826077,408
2014-04-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-25,Closed with explanation,Yes,No,CR0826516,1662
2014-04-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-04-25,Closed with explanation,Yes,No,CR0825360,2615
2014-04-25,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Web,2014-04-25,Closed with non-monetary relief,Yes,No,CR0825197,1022
2014-04-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-04-25,Closed with explanation,Yes,Yes,CR0825431,366
2014-04-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-25,Closed with monetary relief,Yes,No,CR0824995,2086
2014-04-24,Credit card,,Other,,,,N/A,Web,2014-04-28,Closed with explanation,Yes,No,CR0824756,4489
2014-04-24,Credit card,,Other,,,,N/A,Web,2014-04-28,Closed with explanation,Yes,No,CR0824757,4169
2014-04-24,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2014-04-29,Closed with explanation,Yes,No,CR0823915,4687
2014-04-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-24,Closed with monetary relief,Yes,No,CR0823609,4487
2014-04-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-24,Closed with monetary relief,Yes,No,CR0823624,4001
2014-04-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-23,Closed with explanation,Yes,No,CR0823135,4643
2014-04-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-23,Closed with explanation,Yes,No,CR0823379,5478
2014-04-23,Credit card,,Other,,,,N/A,Web,2014-04-25,Closed with explanation,Yes,Yes,CR0821116,9428
2014-04-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-04-23,Closed with monetary relief,Yes,No,CR0821874,5531
2014-04-23,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-04-23,Closed with explanation,Yes,No,CR0822056,3271
2014-04-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-04-23,Closed with explanation,Yes,No,CR0821267,1792
2014-04-23,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2014-04-23,Closed with monetary relief,Yes,No,CR0821934,4266
2014-04-22,Credit card,,Other,,,,N/A,Web,2014-04-24,Closed with explanation,Yes,No,CR0819553,9593
2014-04-22,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-04-22,Closed with explanation,Yes,No,CR0818873,4405
2014-04-22,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-04-22,Closed with explanation,Yes,No,CR0818567,961
2014-04-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-04-22,Closed with explanation,Yes,No,CR0819714,1259
2014-04-22,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-04-22,Closed with explanation,Yes,No,CR0819313,3003
2014-04-22,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-04-22,Closed with explanation,Yes,No,CR0819404,3933
2014-04-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-22,Closed with explanation,Yes,Yes,CR0818252,2423
2014-04-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-22,Closed with explanation,Yes,No,CR0819419,257
2014-04-21,Credit card,,Rewards,,,,N/A,Web,2014-04-21,Closed with explanation,Yes,Yes,CR0816833,403
2014-04-21,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Web,2014-04-21,Closed with explanation,Yes,No,CR0816719,1687
2014-04-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-04-20,Closed with explanation,Yes,No,CR0816691,1022
2014-04-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-21,Closed with monetary relief,Yes,No,CR0816814,2191
2014-04-20,Credit card,,Billing disputes,,,,N/A,Web,2014-04-20,Closed with explanation,Yes,No,CR0816137,4680
2014-04-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-20,Closed,Yes,Yes,CR0816434,285
2014-04-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-20,Closed with explanation,Yes,No,CR0816136,3148
2014-04-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-19,Closed with explanation,Yes,No,CR0816051,8615
2014-04-18,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-04-18,Closed with explanation,Yes,No,CR0815237,5334
2014-04-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-18,Closed,Yes,No,CR0814692,1430
2014-04-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-18,Closed with explanation,Yes,No,CR0815192,1506
2014-04-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-18,Closed with non-monetary relief,Yes,No,CR0815919,4675
2014-04-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-23,Closed with monetary relief,Yes,No,CR0814623,2784
2014-04-17,Credit card,,Late fee,,,,N/A,Web,2014-04-17,Closed with monetary relief,Yes,No,CR0812956,2643
2014-04-17,Credit card,,Other,,,,N/A,Web,2014-04-17,Closed with explanation,Yes,Yes,CR0813323,911
2014-04-17,Credit card,,Billing disputes,,,,N/A,Web,2014-04-23,Closed with monetary relief,Yes,No,CR0813771,391
2014-04-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-04-21,Closed with explanation,Yes,No,CR0813502,12003
2014-04-17,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-04-17,Closed with monetary relief,Yes,No,CR0813910,2063
2014-04-17,Credit card,,Other,,,,N/A,Web,2014-04-22,Closed with explanation,Yes,Yes,CR0814588,4915
2014-04-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-17,Closed with non-monetary relief,Yes,No,CR0813364,1373
2014-04-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-17,Closed with explanation,Yes,No,CR0813208,5365
2014-04-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-04-17,Closed with explanation,Yes,No,CR0813490,4061
2014-04-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-17,Closed with monetary relief,Yes,No,CR0813754,2980
2014-04-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-17,Closed with monetary relief,Yes,No,CR0814553,3331
2014-04-16,Credit card,,Other,,,Older American,N/A,Web,2014-04-16,Closed with monetary relief,Yes,No,CR0810619,4637
2014-04-16,Credit card,,Other,,,,N/A,Web,2014-04-16,Closed with explanation,Yes,No,CR0812177,5081
2014-04-16,Credit card,,Advertising and marketing,,,,N/A,Web,2014-04-16,Closed with explanation,Yes,No,CR0810993,926
2014-04-16,Credit card,,Credit determination,,,,N/A,Web,2014-04-16,Closed,Yes,No,CR0811341,4565
2014-04-16,Credit card,,Delinquent account,,,,N/A,Web,2014-04-21,Closed with explanation,Yes,Yes,CR0810717,4779
2014-04-16,Credit card,,Other fee,,,,N/A,Web,2014-04-16,Closed with monetary relief,Yes,Yes,CR0812237,4318
2014-04-16,Credit card,,Rewards,,,,N/A,Web,2014-04-16,Closed with non-monetary relief,Yes,Yes,CR0812042,2074
2014-04-16,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,,N/A,Web,2014-04-22,Closed with explanation,Yes,No,CR0812180,11683
2014-04-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-21,Closed with explanation,Yes,Yes,CR0810940,2503
2014-04-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-16,Closed with explanation,Yes,No,CR0810979,349
2014-04-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-16,Closed with explanation,Yes,No,CR0811131,1219
2014-04-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-16,Closed with non-monetary relief,Yes,No,CR0811578,2361
2014-04-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-16,Closed with monetary relief,Yes,No,CR0811014,1077
2014-04-16,Bank account or service,Checking account,Problems caused by my funds being low,,,"Older American, Servicemember",N/A,Web,2014-04-16,Closed with monetary relief,Yes,No,CR0811328,993
2014-04-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-15,Closed with explanation,Yes,No,CR0810921,3424
2014-04-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-04-24,Closed with explanation,Yes,No,CR0811509,12432
2014-04-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-16,Closed with explanation,Yes,No,CR0810612,3735
2014-04-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-16,Closed with explanation,Yes,No,CR0811004,1789
2014-04-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-16,Closed with monetary relief,Yes,No,CR0811631,2129
2014-04-15,Credit card,,Other,,,,N/A,Web,2014-04-14,Closed with explanation,Yes,No,CR0808884,2801
2014-04-15,Credit card,,Other fee,,,Servicemember,N/A,Web,2014-04-15,Closed with monetary relief,Yes,No,CR0808929,511
2014-04-15,Credit card,,Other,,,Older American,N/A,Web,2014-04-15,Closed with explanation,Yes,Yes,CR0808771,1288
2014-04-15,Credit card,,Billing disputes,,,,N/A,Web,2014-04-15,Closed with non-monetary relief,Yes,Yes,CR0810196,4403
2014-04-15,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-04-15,Closed with explanation,Yes,No,CR0808934,3908
2014-04-15,Credit card,,Other fee,,,,N/A,Web,2014-04-18,Closed with monetary relief,Yes,No,CR0809121,1361
2014-04-15,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Web,2014-04-15,Closed with monetary relief,Yes,No,CR0809921,1658
2014-04-15,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-04-15,Closed with monetary relief,Yes,Yes,CR0809477,2863
2014-04-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-15,Closed with explanation,Yes,No,CR0810505,1966
2014-04-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Web,2014-04-18,Closed with explanation,Yes,No,CR0809605,1756
2014-04-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-15,Closed with monetary relief,Yes,No,CR0810025,13291
2014-04-14,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2014-04-14,Closed with explanation,Yes,No,CR0807779,8356
2014-04-14,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2014-04-14,Closed with explanation,Yes,Yes,CR0808119,2874
2014-04-14,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-04-14,Closed with explanation,Yes,Yes,CR0807784,3157
2014-04-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-13,Closed with non-monetary relief,Yes,No,CR0808534,1179
2014-04-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-14,Closed with explanation,Yes,No,CR0806895,2122
2014-04-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2014-04-14,Closed with explanation,Yes,No,CR0807636,3515
2014-04-13,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-04-12,Closed with non-monetary relief,Yes,Yes,CR0806537,12468
2014-04-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-04-17,Closed with explanation,Yes,Yes,CR0806650,532
2014-04-13,Credit card,,Transaction issue,,,,N/A,Web,2014-04-12,Closed with explanation,Yes,No,CR0806525,4275
2014-04-12,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-04-12,Closed with monetary relief,Yes,No,CR0806366,4219
2014-04-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-14,Closed with explanation,Yes,No,CR0806387,347
2014-04-11,Credit card,,Other,,,,N/A,Web,2014-04-11,Closed with explanation,Yes,No,CR0804300,1698
2014-04-11,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-04-11,Closed with explanation,Yes,No,CR0804598,10746
2014-04-11,Credit card,,Billing statement,,,,N/A,Web,2014-04-14,Closed with explanation,Yes,No,CR0804913,684
2014-04-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-11,Closed with explanation,Yes,No,CR0806135,139
2014-04-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-14,Closed with non-monetary relief,Yes,No,CR0805404,9
2014-04-11,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2014-04-16,Closed with explanation,Yes,No,CR0805420,4007
2014-04-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-04-11,Closed with explanation,Yes,No,CR0804550,1083
2014-04-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-11,Closed with explanation,Yes,No,CR0806140,445
2014-04-10,Credit card,,Other,,,,N/A,Web,2014-04-14,Closed with explanation,Yes,No,CR0802357,486
2014-04-10,Credit card,,Other,,,,N/A,Web,2014-04-09,Closed with explanation,Yes,No,CR0804177,3124
2014-04-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-10,Closed with explanation,Yes,No,CR0803492,2844
2014-04-10,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2014-04-10,Closed with monetary relief,Yes,No,CR0802360,2180
2014-04-10,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2014-04-10,Closed with monetary relief,Yes,No,CR0802382,263
2014-04-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-04-10,Closed with explanation,Yes,No,CR0803907,1070
2014-04-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-04-10,Closed with explanation,Yes,No,CR0803755,1717
2014-04-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-09,Closed with explanation,Yes,Yes,CR0804224,3288
2014-04-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-10,Closed with explanation,Yes,No,CR0803869,515
2014-04-09,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-04-09,Closed with explanation,Yes,No,CR0801305,1176
2014-04-09,Credit card,,Transaction issue,,,Older American,N/A,Web,2014-04-09,Closed with non-monetary relief,Yes,No,CR0802277,875
2014-04-09,Credit card,,Late fee,,,,N/A,Web,2014-04-10,Closed with explanation,Yes,No,CR0801705,2110
2014-04-09,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Web,2014-04-11,Closed with monetary relief,Yes,No,CR0800126,3671
2014-04-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-04-09,Closed with explanation,Yes,No,CR0801348,2928
2014-04-08,Credit card,,Billing disputes,,,,N/A,Web,2014-04-08,Closed with explanation,Yes,No,CR0799535,2549
2014-04-08,Credit card,,Balance transfer,,,,N/A,Web,2014-04-08,Closed with monetary relief,Yes,No,CR0799606,4578
2014-04-08,Credit card,,Transaction issue,,,,N/A,Web,2014-04-07,Closed with explanation,Yes,No,CR0798250,4482
2014-04-08,Credit card,,Billing disputes,,,,N/A,Web,2014-04-07,Closed with explanation,Yes,No,CR0799660,943
2014-04-08,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-04-08,Closed with explanation,Yes,No,CR0798704,4490
2014-04-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-04-08,Closed with monetary relief,Yes,No,CR0799647,8489
2014-04-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-10,Closed with explanation,Yes,No,CR0799045,2162
2014-04-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-04-08,Closed with monetary relief,Yes,No,CR0798329,1620
2014-04-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-10,Closed with explanation,Yes,No,CR0798257,3276
2014-04-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-08,Closed with explanation,Yes,No,CR0798631,2607
2014-04-07,Credit card,,Billing disputes,,,,N/A,Web,2014-04-10,Closed with explanation,Yes,Yes,CR0797468,12325
2014-04-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-07,Closed with explanation,Yes,No,CR0796686,433
2014-04-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-04-10,Closed with explanation,Yes,Yes,CR0796938,4892
2014-04-07,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-04-07,Closed with explanation,Yes,No,CR0797149,4974
2014-04-07,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-04-07,Closed with non-monetary relief,Yes,No,CR0797148,1449
2014-04-06,Credit card,,Advertising and marketing,,,,N/A,Web,2014-04-06,Closed with explanation,Yes,No,CR0795715,1772
2014-04-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-06,Closed with explanation,Yes,No,CR0795707,3044
2014-04-05,Credit card,,Advertising and marketing,,,,N/A,Web,2014-04-05,Closed with explanation,Yes,Yes,CR0795369,2303
2014-04-05,Credit card,,Credit determination,,,,N/A,Web,2014-04-10,Closed with non-monetary relief,Yes,No,CR0795522,393
2014-04-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-05,Closed with explanation,Yes,No,CR0795336,12221
2014-04-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-09,Closed,Yes,No,CR0795576,943
2014-04-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-04-05,Closed with explanation,Yes,No,CR0795450,2118
2014-04-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-04-04,Closed with explanation,Yes,Yes,CR0794531,2468
2014-04-04,Credit card,,Billing disputes,,,,N/A,Web,2014-04-04,Closed with non-monetary relief,Yes,No,CR0794767,3754
2014-04-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-04,Closed with monetary relief,Yes,No,CR0794527,603
2014-04-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-04,Closed with monetary relief,Yes,No,CR0795157,812
2014-04-04,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2014-04-04,Closed with monetary relief,Yes,No,CR0793616,2308
2014-04-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-04,Closed with monetary relief,Yes,No,CR0794517,4808
2014-04-04,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2014-04-04,Closed with explanation,Yes,No,CR0794748,3578
2014-04-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-11,Closed with monetary relief,Yes,No,CR0793684,11598
2014-04-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2014-05-19,Closed with explanation,Yes,No,CR0793792,443
2014-04-03,Credit card,,Other,,,Older American,N/A,Web,2014-04-03,Closed with explanation,Yes,Yes,CR0792020,3621
2014-04-03,Credit card,,Other,,,Older American,N/A,Web,2014-04-03,Closed with explanation,Yes,Yes,CR0792021,3737
2014-04-03,Credit card,,Other,,,Older American,N/A,Web,2014-04-03,Closed with explanation,Yes,Yes,CR0792017,11867
2014-04-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-04-02,Closed with explanation,Yes,No,CR0791398,949
2014-04-03,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-04-03,Closed with explanation,Yes,No,CR0791640,9715
2014-04-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-04-03,Closed with explanation,Yes,No,CR0791456,11943
2014-04-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-04-08,Closed with monetary relief,Yes,No,CR0793287,603
2014-04-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-03,Closed with monetary relief,Yes,No,CR0792087,8074
2014-04-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-02,Closed with monetary relief,Yes,No,CR0791370,1737
2014-04-02,Credit card,,Delinquent account,,,,N/A,Web,2014-04-07,Closed with explanation,Yes,No,CR0789890,2599
2014-04-02,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-04-02,Closed with explanation,Yes,No,CR0790330,297
2014-04-02,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2014-05-06,Closed with explanation,Yes,No,CR0789374,4644
2014-04-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-02,Closed with explanation,Yes,Yes,CR0789260,5565
2014-04-02,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-04-03,Closed with explanation,Yes,No,CR0790860,1598
2014-04-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-04-02,Closed with explanation,Yes,Yes,CR0791145,236
2014-04-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-04-15,Closed with explanation,Yes,No,CR0787388,3789
2014-04-01,Credit card,,Transaction issue,,,Older American,N/A,Web,2014-04-01,Closed with monetary relief,Yes,Yes,CR0787743,2504
2014-04-01,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-04-01,Closed with monetary relief,Yes,No,CR0788667,10963
2014-04-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-04-01,Closed with explanation,Yes,No,CR0788352,2569
2014-03-31,Credit card,,APR or interest rate,,,,N/A,Web,2014-03-30,Closed with explanation,Yes,No,CR0785127,1726
2014-03-31,Credit card,,Other,,,,N/A,Web,2014-03-31,Closed with explanation,Yes,No,CR0785159,3109
2014-03-31,Credit card,,Other,,,,N/A,Web,2014-03-31,Closed with explanation,Yes,No,CR0786386,1492
2014-03-31,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-03-31,Closed with explanation,Yes,No,CR0786028,1148
2014-03-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-03-31,Closed with explanation,Yes,No,CR0785184,1624
2014-03-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-31,Closed with monetary relief,Yes,No,CR0786314,3453
2014-03-29,Credit card,,Credit line increase/decrease,,,,N/A,Web,2014-04-03,Closed with explanation,Yes,No,CR0784873,1345
2014-03-29,Credit card,,Other fee,,,,N/A,Web,2014-03-29,Closed with explanation,Yes,Yes,CR0784886,1271
2014-03-29,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-03-28,Closed with monetary relief,Yes,No,CR0784888,2821
2014-03-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-03-28,Closed with explanation,Yes,No,CR0784645,1388
2014-03-28,Credit card,,Application processing delay,,,Older American,N/A,Web,2014-03-28,Closed with explanation,Yes,No,CR0784002,4699
2014-03-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-03-28,Closed with explanation,Yes,No,CR0782906,2216
2014-03-28,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-03-28,Closed with explanation,Yes,No,CR0783724,2670
2014-03-28,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-03-28,Closed with explanation,Yes,No,CR0783138,1835
2014-03-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-03-30,Closed with explanation,Yes,No,CR0783956,2666
2014-03-28,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-03-28,Closed with monetary relief,Yes,No,CR0782818,4628
2014-03-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-03-28,Closed with monetary relief,Yes,No,CR0783497,2600
2014-03-27,Credit card,,Forbearance / Workout plans,,,Servicemember,N/A,Web,2014-03-27,Closed with explanation,Yes,No,CR0781333,13915
2014-03-27,Credit card,,Rewards,,,,N/A,Web,2014-03-27,Closed with non-monetary relief,Yes,No,CR0781915,3624
2014-03-27,Credit card,,Transaction issue,,,Older American,N/A,Web,2014-03-27,Closed with explanation,Yes,No,CR0781990,1295
2014-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-27,Closed with explanation,Yes,No,CR0780701,359
2014-03-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-03-27,Closed with explanation,Yes,No,CR0780799,2461
2014-03-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-03-27,Closed with monetary relief,Yes,No,CR0782717,3327
2014-03-27,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-03-27,Closed with monetary relief,Yes,No,CR0781401,3870
2014-03-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-04-14,Closed with explanation,Yes,No,CR0781402,2721
2014-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-26,Closed with explanation,Yes,No,CR0780547,2979
2014-03-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-03-27,Closed with monetary relief,Yes,No,CR0781753,2385
2014-03-26,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-03-26,Closed with explanation,Yes,No,CR0779638,2970
2014-03-26,Credit card,,Other fee,,,,N/A,Web,2014-03-26,Closed with monetary relief,Yes,No,CR0779157,4188
2014-03-26,Credit card,,Other,,,,N/A,Web,2014-04-02,Closed with explanation,Yes,Yes,CR0779651,4430
2014-03-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-03-26,Closed with explanation,Yes,No,CR0778803,4819
2014-03-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-03-26,Closed with explanation,Yes,No,CR0779362,4751
2014-03-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-03-27,Closed with non-monetary relief,Yes,No,CR0779485,4668
2014-03-26,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-04-02,Closed with explanation,Yes,No,CR0779891,6798
2014-03-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-03-26,Closed with monetary relief,Yes,No,CR0779586,3543
2014-03-26,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-03-26,Closed with explanation,Yes,No,CR0779707,10046
2014-03-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-03-30,Closed with explanation,Yes,No,CR0776103,9316
2014-03-25,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-03-25,Closed with monetary relief,Yes,Yes,CR0778080,883
2014-03-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-25,Closed with explanation,Yes,No,CR0776876,2150
2014-03-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-25,Closed with non-monetary relief,Yes,Yes,CR0776649,1481
2014-03-25,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-03-25,Closed with explanation,Yes,No,CR0776914,2568
2014-03-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-25,Closed with explanation,Yes,No,CR0777053,2069
2014-03-24,Credit card,,Credit line increase/decrease,,,Servicemember,N/A,Web,2014-03-23,Closed with explanation,Yes,No,CR0773840,380
2014-03-24,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-03-24,Closed with explanation,Yes,No,CR0775047,11
2014-03-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-03-31,Closed with explanation,Yes,Yes,CR0775064,7843
2014-03-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-03-24,Closed with explanation,Yes,No,CR0774057,1149
2014-03-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-03-23,Closed with non-monetary relief,Yes,No,CR0773583,1598
2014-03-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-31,Closed with explanation,Yes,Yes,CR0773752,3929
2014-03-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-23,Closed with non-monetary relief,Yes,No,CR0773699,431
2014-03-22,Credit card,,Billing disputes,,,,N/A,Web,2014-03-28,Closed with explanation,Yes,No,CR0773398,8
2014-03-22,Credit card,,Delinquent account,,,,N/A,Web,2014-03-28,Closed with explanation,Yes,No,CR0773297,1278
2014-03-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-03-28,Closed with explanation,Yes,No,CR0773526,4556
2014-03-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-03-21,Closed with explanation,Yes,Yes,CR0773253,9755
2014-03-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-03-22,Closed with monetary relief,Yes,No,CR0773411,2897
2014-03-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-22,Closed with explanation,Yes,No,CR0773288,2315
2014-03-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-03-22,Closed with explanation,Yes,No,CR0773428,4473
2014-03-21,Credit card,,Advertising and marketing,,,,N/A,Web,2014-03-21,Closed with explanation,Yes,No,CR0771835,3533
2014-03-21,Credit card,,Billing disputes,,,,N/A,Web,2014-03-28,Closed with explanation,Yes,No,CR0772368,4291
2014-03-21,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2014-03-21,Closed with explanation,Yes,No,CR0772075,6183
2014-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-21,Closed with monetary relief,Yes,No,CR0771954,2630
2014-03-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-03-27,Closed with non-monetary relief,Yes,No,CR0772409,13231
2014-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-21,Closed with explanation,Yes,Yes,CR0772483,2534
2014-03-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-03-20,Closed with explanation,Yes,No,CR0771248,3303
2014-03-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-03-21,Closed with monetary relief,Yes,No,CR0771659,3445
2014-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-21,Closed with explanation,Yes,Yes,CR0773178,10778
2014-03-20,Credit card,,Other fee,,,,N/A,Web,2014-03-20,Closed with monetary relief,Yes,No,CR0769829,9675
2014-03-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-03-20,Closed with explanation,Yes,No,CR0769448,1305
2014-03-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-19,Closed with non-monetary relief,Yes,No,CR0769169,3245
2014-03-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-03-20,Closed with explanation,Yes,No,CR0769110,7914
2014-03-19,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-03-19,Closed with monetary relief,Yes,Yes,CR0767307,4439
2014-03-19,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-03-26,Closed with explanation,Yes,No,CR0766086,43
2014-03-19,Credit card,,Other,,,,N/A,Web,2014-03-18,Closed with explanation,Yes,Yes,CR0766021,2539
2014-03-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-03-26,Closed with explanation,Yes,No,CR0768997,6114
2014-03-19,Credit card,,Billing disputes,,,Servicemember,N/A,Web,2014-03-19,Closed with monetary relief,Yes,No,CR0765904,1034
2014-03-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-03-19,Closed with explanation,Yes,No,CR0768970,2155
2014-03-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-03-19,Closed with monetary relief,Yes,No,CR0765358,835
2014-03-19,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-03-19,Closed with explanation,Yes,Yes,CR0765915,2923
2014-03-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-04-08,Closed with explanation,Yes,No,CR0769080,1248
2014-03-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-03-19,Closed with monetary relief,Yes,No,CR0768754,301
2014-03-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-03-21,Closed with explanation,Yes,No,CR0764190,7980
2014-03-18,Credit card,,Advertising and marketing,,,,N/A,Web,2014-03-21,Closed with explanation,Yes,No,CR0762774,2470
2014-03-18,Credit card,,Other,,,,N/A,Web,2014-03-18,Closed with explanation,Yes,No,CR0762187,1493
2014-03-18,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2014-03-18,Closed with explanation,Yes,No,CR0768400,1986
2014-03-18,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2014-03-18,Closed with non-monetary relief,Yes,No,CR0768461,1348
2014-03-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-03-18,Closed with explanation,Yes,No,CR0764126,990
2014-03-18,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2014-03-21,Closed with explanation,Yes,No,CR0764995,2882
2014-03-17,Credit card,,Other,,,Servicemember,N/A,Web,2014-03-17,Closed with explanation,Yes,No,CR0760789,4478
2014-03-17,Credit card,,Transaction issue,,,,N/A,Web,2014-03-17,Closed with explanation,Yes,No,CR0763500,2658
2014-03-17,Credit card,,Billing disputes,,,,N/A,Web,2014-03-16,Closed with explanation,Yes,No,CR0760592,2253
2014-03-17,Credit card,,Rewards,,,,N/A,Web,2014-03-17,Closed with monetary relief,Yes,No,CR0763517,2419
2014-03-17,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-03-17,Closed with explanation,Yes,No,CR0763487,1783
2014-03-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-03-17,Closed with non-monetary relief,Yes,No,CR0763486,3536
2014-03-15,Credit card,,Rewards,,,,N/A,Web,2014-03-15,Closed with monetary relief,Yes,No,CR0760470,4687
2014-03-15,Credit card,,Payoff process,,,,N/A,Web,2014-03-15,Closed with explanation,Yes,Yes,CR0760489,4632
2014-03-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-03-15,Closed with monetary relief,Yes,No,CR0760410,6804
2014-03-14,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-03-14,Closed with explanation,Yes,Yes,CR0758481,3347
2014-03-14,Credit card,,Late fee,,,,N/A,Web,2014-03-14,Closed with monetary relief,Yes,No,CR0757969,3461
2014-03-14,Credit card,,APR or interest rate,,,Older American,N/A,Web,2014-03-17,Closed with explanation,Yes,No,CR0760263,667
2014-03-14,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-03-14,Closed with monetary relief,Yes,No,CR0760373,71
2014-03-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-03-14,Closed with explanation,Yes,No,CR0757980,4022
2014-03-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-03-14,Closed with monetary relief,Yes,No,CR0758354,2538
2014-03-14,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-03-14,Closed with monetary relief,Yes,No,CR0760350,11874
2014-03-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-14,Closed with monetary relief,Yes,No,CR0757088,7011
2014-03-13,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-03-13,Closed with explanation,Yes,No,CR0756511,5277
2014-03-13,Credit card,,Billing statement,,,,N/A,Web,2014-03-13,Closed with explanation,Yes,No,CR0756519,1899
2014-03-13,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2014-03-13,Closed with monetary relief,Yes,No,CR0757929,3769
2014-03-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-03-12,Closed with explanation,Yes,No,CR0756124,6924
2014-03-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-13,Closed with explanation,Yes,No,CR0756225,1778
2014-03-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-03-13,Closed with monetary relief,Yes,No,CR0756608,4338
2014-03-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-03-13,Closed with monetary relief,Yes,No,CR0756722,5530
2014-03-13,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-03-13,Closed with explanation,Yes,No,CR0756563,379
2014-03-12,Credit card,,Other,,,,N/A,Web,2014-03-21,Closed with explanation,Yes,No,CR0757705,3351
2014-03-12,Credit card,,Advertising and marketing,,,,N/A,Web,2014-03-12,Closed with explanation,Yes,No,CR0756070,5379
2014-03-12,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2014-03-12,Closed with explanation,Yes,No,CR0754280,3413
2014-03-12,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-03-12,Closed with explanation,Yes,No,CR0755941,2144
2014-03-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-03-13,Closed with non-monetary relief,Yes,Yes,CR0756072,2817
2014-03-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-12,Closed with non-monetary relief,Yes,Yes,CR0755902,3552
2014-03-11,Credit card,,Other,,,,N/A,Web,2014-03-12,Closed with explanation,Yes,No,CR0755593,12102
2014-03-11,Credit card,,Billing disputes,,,,N/A,Web,2014-03-12,Closed with non-monetary relief,Yes,No,CR0760018,3155
2014-03-11,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2014-03-12,Closed with explanation,Yes,No,CR0755595,746
2014-03-11,Credit card,,Other,,,,N/A,Web,2014-03-12,Closed with explanation,Yes,No,CR0759983,2523
2014-03-11,Credit card,,Application processing delay,,,,N/A,Web,2014-03-12,Closed with monetary relief,Yes,No,CR0753941,8074
2014-03-11,Credit card,,APR or interest rate,,,,N/A,Web,2014-03-11,Closed with explanation,Yes,Yes,CR0754067,3798
2014-03-11,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-03-12,Closed with explanation,Yes,No,CR0755682,2474
2014-03-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-12,Closed with explanation,Yes,No,CR0755601,110
2014-03-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-03-12,Closed with monetary relief,Yes,No,CR0755607,3002
2014-03-11,Bank account or service,Savings account,Using a debit or ATM card,,,,N/A,Web,2014-03-12,Closed with monetary relief,Yes,No,CR0767063,2231
2014-03-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-03-10,Closed with explanation,Yes,No,CR0752379,1691
2014-03-11,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-03-12,Closed with monetary relief,Yes,No,CR0753808,1830
2014-03-10,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2014-03-12,Closed with explanation,Yes,No,CR0753700,1465
2014-03-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-03-10,Closed,Yes,Yes,CR0755521,4550
2014-03-08,Credit card,,Billing disputes,,,,N/A,Web,2014-03-10,Closed with explanation,Yes,No,CR0751038,4822
2014-03-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-08,Closed with monetary relief,Yes,No,CR0759868,1955
2014-03-07,Credit card,,Other fee,,,,N/A,Web,2014-03-07,Closed with explanation,Yes,No,CR0749187,2411
2014-03-07,Credit card,,Transaction issue,,,,N/A,Web,2014-03-11,Closed with explanation,Yes,No,CR0749165,4384
2014-03-07,Credit card,,Billing statement,,,Older American,N/A,Web,2014-03-07,Closed with explanation,Yes,Yes,CR0749311,2878
2014-03-07,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2014-03-11,Closed with explanation,Yes,No,CR0749899,3602
2014-03-07,Credit card,,Closing/Cancelling account,,,"Older American, Servicemember",N/A,Web,2014-03-10,Closed with explanation,Yes,No,CR0748262,1762
2014-03-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-03-07,Closed with monetary relief,Yes,No,CR0748308,3063
2014-03-07,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-03-06,Closed with monetary relief,Yes,No,CR0748927,10492
2014-03-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-10,Closed with monetary relief,Yes,No,CR0750264,675
2014-03-06,Credit card,,Billing statement,,,,N/A,Web,2014-03-07,Closed with explanation,Yes,No,CR0746100,1110
2014-03-06,Credit card,,Billing disputes,,,,N/A,Web,2014-03-05,Closed with explanation,Yes,No,CR0746338,1775
2014-03-06,Credit card,,Other fee,,,,N/A,Web,2014-03-06,Closed with monetary relief,Yes,No,CR0746413,5254
2014-03-06,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-03-06,Closed with explanation,Yes,No,CR0746082,4821
2014-03-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-06,Closed with explanation,Yes,Yes,CR0748035,547
2014-03-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-03-06,Closed with monetary relief,Yes,No,CR0748024,9718
2014-03-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-10,Closed,Yes,No,CR0746197,2287
2014-03-05,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-03-05,Closed with explanation,Yes,No,CR0745268,1871
2014-03-05,Credit card,,Billing disputes,,,,N/A,Web,2014-03-05,Closed with explanation,Yes,No,CR0744930,1966
2014-03-05,Credit card,,Other fee,,,,N/A,Web,2014-03-05,Closed with explanation,Yes,No,CR0744554,1204
2014-03-05,Credit card,,Other,,,,N/A,Web,2014-03-05,Closed with monetary relief,Yes,Yes,CR0744512,1818
2014-03-05,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-03-05,Closed with explanation,Yes,No,CR0746264,4084
2014-03-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-05,Closed with non-monetary relief,Yes,No,CR0744500,13590
2014-03-05,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-03-05,Closed with monetary relief,Yes,No,CR0744180,2646
2014-03-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-05,Closed with monetary relief,Yes,No,CR0745907,1147
2014-03-04,Credit card,,Transaction issue,,,,N/A,Web,2014-03-04,Closed with explanation,Yes,Yes,CR0743931,4205
2014-03-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2014-03-04,Closed with non-monetary relief,Yes,No,CR0742981,3392
2014-03-04,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-03-03,Closed with explanation,Yes,No,CR0743564,2200
2014-03-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-04,Closed with explanation,Yes,No,CR0743956,614
2014-03-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2014-03-04,Closed with monetary relief,Yes,No,CR0742452,1839
2014-03-03,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-03-02,Closed with explanation,Yes,No,CR0739655,491
2014-03-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-03,Closed with explanation,Yes,No,CR0739938,399
2014-03-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-03-03,Closed with non-monetary relief,Yes,No,CR0741571,7727
2014-03-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-03-03,Closed with explanation,Yes,No,CR0740371,1651
2014-03-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-03-03,Closed with explanation,Yes,Yes,CR0740432,3542
2014-03-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-03-03,Closed,Yes,No,CR0740611,2130
2014-03-02,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-03-02,Closed with explanation,Yes,No,CR0736786,3571
2014-03-02,Credit card,,Rewards,,,,N/A,Web,2014-03-02,Closed with explanation,Yes,No,CR0736807,1325
2014-03-01,Credit card,,Other,,,,N/A,Web,2014-03-01,Closed with explanation,Yes,Yes,CR0738880,1942
2014-03-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-03-01,Closed with explanation,Yes,No,CR0738774,1480
2014-03-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-03-01,Closed with non-monetary relief,Yes,Yes,CR0738870,12729
2014-03-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-03-01,Closed with explanation,Yes,No,CR0738856,3827
2014-02-28,Credit card,,Delinquent account,,,,N/A,Web,2014-03-05,Closed with explanation,Yes,No,CR0737219,500
2014-02-28,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-02-28,Closed with explanation,Yes,No,CR0737792,3276
2014-02-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-02-28,Closed with explanation,Yes,No,CR0737898,2922
2014-02-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-02-28,Closed with monetary relief,Yes,No,CR0736627,2186
2014-02-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-02-28,Closed with explanation,No,No,CR0736643,4623
2014-02-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-02-28,Closed with monetary relief,Yes,No,CR0737164,1528
2014-02-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-28,Closed with explanation,Yes,No,CR0738524,1849
2014-02-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-02-28,Closed with explanation,Yes,No,CR0737171,664
2014-02-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-02-28,Closed with monetary relief,Yes,No,CR0737162,5701
2014-02-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-02-28,Closed with monetary relief,Yes,No,CR0737172,2197
2014-02-27,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-02-27,Closed with explanation,Yes,Yes,CR0735587,4737
2014-02-27,Credit card,,Payoff process,,,,N/A,Web,2014-02-28,Closed with explanation,Yes,No,CR0736069,1240
2014-02-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-02-27,Closed with explanation,Yes,No,CR0734634,1382
2014-02-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-02-27,Closed with monetary relief,Yes,No,CR0734686,83
2014-02-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-27,Closed with explanation,Yes,No,CR0735276,83
2014-02-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-02-27,Closed with explanation,Yes,Yes,CR0734811,15
2014-02-26,Credit card,,Customer service / Customer relations,,,Servicemember,N/A,Web,2014-02-27,Closed with explanation,Yes,No,CR0733759,3629
2014-02-26,Credit card,,Customer service / Customer relations,,,Servicemember,N/A,Web,2014-03-07,Closed with explanation,Yes,No,CR0733760,2951
2014-02-26,Credit card,,Rewards,,,,N/A,Web,2014-02-25,Closed with monetary relief,Yes,No,CR0732376,1161
2014-02-26,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-02-27,Closed with explanation,Yes,Yes,CR0731969,3274
2014-02-26,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-02-26,Closed with non-monetary relief,Yes,Yes,CR0733736,3999
2014-02-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-26,Closed with explanation,Yes,No,CR0733217,2441
2014-02-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-02-26,Closed with explanation,Yes,No,CR0733408,3206
2014-02-25,Credit card,,APR or interest rate,,,,N/A,Web,2014-02-27,Closed with explanation,Yes,No,CR0729812,4116
2014-02-25,Credit card,,Billing disputes,,,,N/A,Web,2014-02-25,Closed with explanation,Yes,No,CR0731067,3337
2014-02-25,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-02-26,Closed with explanation,Yes,Yes,CR0730178,3195
2014-02-25,Bank account or service,Checking account,Using a debit or ATM card,,,Servicemember,N/A,Web,2014-02-24,Closed with monetary relief,Yes,No,CR0730186,4040
2014-02-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-02-25,Closed with explanation,Yes,No,CR0730613,327
2014-02-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-02-25,Closed with explanation,Yes,No,CR0730795,2232
2014-02-24,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-02-24,Closed with explanation,Yes,Yes,CR0728987,4031
2014-02-24,Credit card,,Transaction issue,,,Older American,N/A,Web,2014-02-24,Closed with explanation,Yes,No,CR0728375,51
2014-02-24,Credit card,,Transaction issue,,,Older American,N/A,Web,2014-02-24,Closed with monetary relief,Yes,No,CR0728372,4124
2014-02-24,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-02-23,Closed with explanation,Yes,No,CR0727641,769
2014-02-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-24,Closed with explanation,Yes,Yes,CR0727666,1869
2014-02-22,Credit card,,Other,,,,N/A,Web,2014-02-22,Closed with explanation,Yes,No,CR0726669,1635
2014-02-22,Credit card,,Forbearance / Workout plans,,,Older American,N/A,Web,2014-02-22,Closed with explanation,Yes,Yes,CR0726732,3245
2014-02-22,Credit card,,Credit line increase/decrease,,,,N/A,Web,2014-02-22,Closed with explanation,Yes,No,CR0726746,1659
2014-02-22,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-02-28,Closed with explanation,Yes,No,CR0726866,4693
2014-02-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-02-22,Closed with monetary relief,Yes,No,CR0727588,3398
2014-02-21,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-02-21,Closed with explanation,Yes,No,CR0725256,4476
2014-02-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-02-21,Closed,Yes,No,CR0727563,2224
2014-02-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-02-21,Closed with explanation,Yes,No,CR0726386,1822
2014-02-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-21,Closed with explanation,Yes,No,CR0725177,164
2014-02-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-21,Closed with monetary relief,Yes,No,CR0725351,2089
2014-02-20,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2014-02-20,Closed with explanation,Yes,No,CR0723127,304
2014-02-20,Credit card,,Other,,,,N/A,Web,2014-02-19,Closed with explanation,Yes,No,CR0722400,5263
2014-02-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-19,Closed with non-monetary relief,Yes,Yes,CR0722460,2963
2014-02-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-02-24,Closed with explanation,Yes,No,CR0722273,4043
2014-02-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-25,Closed with explanation,Yes,No,CR0723414,3770
2014-02-19,Credit card,,Credit determination,,,,N/A,Web,2014-02-20,Closed with explanation,Yes,No,CR0722079,3245
2014-02-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-02-20,Closed with explanation,Yes,No,CR0721013,3297
2014-02-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-02-18,Closed with monetary relief,Yes,No,CR0720206,2009
2014-02-19,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-02-20,Closed with explanation,Yes,No,CR0721514,362
2014-02-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-19,Closed with explanation,Yes,No,CR0722385,3064
2014-02-19,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-02-28,Closed with explanation,Yes,No,CR0720240,13490
2014-02-19,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-02-19,Closed with explanation,Yes,No,CR0722381,4161
2014-02-18,Credit card,,Billing disputes,,,,N/A,Web,2014-02-18,Closed with explanation,Yes,No,CR0717841,7112
2014-02-18,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-02-18,Closed with explanation,Yes,Yes,CR0718894,4499
2014-02-18,Credit card,,Other,,,,N/A,Web,2014-02-18,Closed with explanation,Yes,No,CR0717297,4393
2014-02-18,Credit card,,Payoff process,,,,N/A,Web,2014-02-18,Closed with explanation,Yes,Yes,CR0718059,3694
2014-02-18,Credit card,,Other,,,,N/A,Web,2014-02-18,Closed with explanation,Yes,No,CR0717583,2968
2014-02-18,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-02-18,Closed with explanation,Yes,No,CR0717916,1630
2014-02-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-02-18,Closed with explanation,Yes,No,CR0717851,1159
2014-02-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-19,Closed with monetary relief,Yes,No,CR0718788,5245
2014-02-17,Credit card,,Billing disputes,,,,N/A,Web,2014-02-17,Closed with explanation,Yes,No,CR0716324,5273
2014-02-17,Credit card,,Billing disputes,,,Older American,N/A,Web,2014-02-17,Closed with explanation,Yes,No,CR0716707,1707
2014-02-17,Credit card,,Balance transfer,,,Older American,N/A,Web,2014-02-16,Closed with explanation,Yes,No,CR0716244,2888
2014-02-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-02-17,Closed with explanation,Yes,Yes,CR0716287,4937
2014-02-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-16,Closed with explanation,Yes,No,CR0717096,4033
2014-02-15,Credit card,,Other,,,,N/A,Web,2014-02-15,Closed with explanation,Yes,No,CR0716001,4821
2014-02-15,Credit card,,APR or interest rate,,,,N/A,Web,2014-02-15,Closed with explanation,Yes,No,CR0716064,3491
2014-02-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-02-20,Closed with explanation,Yes,Yes,CR0717204,2505
2014-02-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-02-14,Closed with explanation,Yes,Yes,CR0715715,1383
2014-02-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-02-21,Closed with explanation,Yes,Yes,CR0717205,10563
2014-02-14,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2014-02-20,Closed with explanation,Yes,No,CR0715650,523
2014-02-14,Credit card,,Other fee,,,,N/A,Web,2014-02-14,Closed with explanation,Yes,No,CR0714875,2897
2014-02-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-02-14,Closed with monetary relief,Yes,No,CR0714184,10997
2014-02-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-16,Closed with explanation,Yes,No,CR0715226,1730
2014-02-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-14,Closed with monetary relief,Yes,No,CR0715807,1779
2014-02-13,Credit card,,Bankruptcy,,,,N/A,Web,2014-02-13,Closed with explanation,Yes,No,CR0713400,4638
2014-02-13,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2014-02-18,Closed with explanation,Yes,Yes,CR0713525,3244
2014-02-13,Credit card,,Other,,,,N/A,Web,2014-02-13,Closed with explanation,Yes,Yes,CR0713949,4627
2014-02-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-02-12,Closed with explanation,Yes,No,CR0712067,112
2014-02-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-02-15,Closed with explanation,Yes,No,CR0713292,4588
2014-02-13,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-02-13,Closed with non-monetary relief,Yes,No,CR0712723,636
2014-02-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-13,Closed with monetary relief,Yes,No,CR0713322,4435
2014-02-12,Credit card,,Other,,,,N/A,Web,2014-02-11,Closed with explanation,Yes,Yes,CR0722145,483
2014-02-12,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-02-11,Closed with explanation,Yes,No,CR0722233,2277
2014-02-12,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Web,2014-02-12,Closed with monetary relief,Yes,No,CR0727677,152
2014-02-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-02-12,Closed with non-monetary relief,Yes,No,CR0711953,2412
2014-02-12,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-02-11,Closed with explanation,Yes,No,CR0729841,4468
2014-02-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Web,2014-02-12,Closed with explanation,Yes,Yes,CR0713854,1329
2014-02-12,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-02-12,Closed with explanation,Yes,No,CR0722238,3245
2014-02-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-12,Closed with monetary relief,Yes,No,CR0711826,4704
2014-02-11,Credit card,,Credit determination,,,,N/A,Web,2014-02-11,Closed with explanation,Yes,No,CR0710246,1119
2014-02-11,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2014-02-14,Closed with explanation,Yes,Yes,CR0710164,4772
2014-02-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-10,Closed with explanation,Yes,No,CR0708095,3208
2014-02-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-11,Closed with explanation,Yes,Yes,CR0709603,108
2014-02-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-11,Closed with explanation,Yes,No,CR0708506,3275
2014-02-11,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2014-02-11,Closed with explanation,Yes,No,CR0722229,3308
2014-02-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-02-10,Closed with explanation,Yes,No,CR0709567,3670
2014-02-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-14,Closed with explanation,Yes,No,CR0708613,2950
2014-02-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-11,Closed with non-monetary relief,Yes,No,CR0709476,483
2014-02-10,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-02-09,Closed with explanation,Yes,No,CR0705993,12490
2014-02-10,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-02-13,Closed with explanation,Yes,No,CR0707296,3067
2014-02-10,Credit card,,Other,,,,N/A,Web,2014-02-09,Closed with explanation,Yes,No,CR0705960,3899
2014-02-10,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-02-10,Closed with explanation,Yes,Yes,CR0706724,39
2014-02-10,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-02-13,Closed with explanation,Yes,No,CR0706241,4365
2014-02-10,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-02-10,Closed with monetary relief,Yes,No,CR0706969,4084
2014-02-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-02-09,Closed with explanation,Yes,No,CR0705982,525
2014-02-08,Credit card,,Rewards,,,,N/A,Web,2014-02-08,Closed with monetary relief,Yes,No,CR0704797,1440
2014-02-08,Credit card,,Billing disputes,,,,N/A,Web,2014-02-08,Closed with explanation,Yes,No,CR0705242,798
2014-02-08,Credit card,,Other,,,,N/A,Web,2014-02-08,Closed with explanation,Yes,No,CR0704768,11121
2014-02-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2014-02-07,Closed with explanation,Yes,No,CR0704503,4818
2014-02-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-02-08,Closed with non-monetary relief,Yes,No,CR0704582,1510
2014-02-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-02-12,Closed with explanation,Yes,No,CR0704574,522
2014-02-07,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-02-07,Closed with explanation,Yes,No,CR0703307,3086
2014-02-07,Credit card,,Customer service / Customer relations,,,Servicemember,N/A,Web,2014-02-07,Closed with monetary relief,Yes,No,CR0703900,3479
2014-02-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-02-07,Closed with monetary relief,Yes,No,CR0703695,1204
2014-02-07,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2014-02-06,Closed with explanation,Yes,No,CR0703168,1229
2014-02-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2014-02-07,Closed with explanation,Yes,No,CR0703346,724
2014-02-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-02-07,Closed with explanation,Yes,No,CR0703242,5404
2014-02-06,Credit card,,Billing disputes,,,,N/A,Web,2014-02-05,Closed with explanation,Yes,Yes,CR0700746,3801
2014-02-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-02-06,Closed with monetary relief,Yes,No,CR0701095,1718
2014-02-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-06,Closed with monetary relief,Yes,Yes,CR0700214,3088
2014-02-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-06,Closed with monetary relief,Yes,No,CR0701923,4708
2014-02-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-05,Closed with explanation,Yes,Yes,CR0702601,9451
2014-02-06,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2014-02-05,Closed with monetary relief,Yes,No,CR0702201,13171
2014-02-05,Credit card,,Bankruptcy,,,,N/A,Web,2014-02-10,Closed with explanation,Yes,No,CR0707793,840
2014-02-05,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-02-05,Closed with explanation,Yes,No,CR0700388,1989
2014-02-05,Credit card,,Billing disputes,,,,N/A,Web,2014-02-10,Closed with explanation,Yes,No,CR0702890,2667
2014-02-05,Credit card,,Other,,,,N/A,Web,2014-02-05,Closed with explanation,Yes,No,CR0710800,1499
2014-02-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-05,Closed with monetary relief,Yes,No,CR0700433,607
2014-02-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-02-05,Closed with explanation,Yes,Yes,CR0700389,1103
2014-02-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-02-05,Closed with monetary relief,Yes,No,CR0702588,3493
2014-02-05,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-02-05,Closed with explanation,Yes,No,CR0710442,13089
2014-02-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-02-05,Closed with monetary relief,Yes,No,CR0700368,198
2014-02-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-05,Closed with explanation,Yes,No,CR0710434,2357
2014-02-04,Credit card,,Rewards,,,,N/A,Web,2014-02-04,Closed with non-monetary relief,Yes,No,CR0699591,3619
2014-02-04,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2014-02-04,Closed with explanation,Yes,No,CR0699449,13261
2014-02-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-02-04,Closed with explanation,Yes,No,CR0699543,12378
2014-02-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-02-03,Closed with explanation,Yes,No,CR0698511,757
2014-02-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-02-03,Closed with explanation,Yes,No,CR0698377,1044
2014-02-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-02-04,Closed with explanation,Yes,No,CR0698973,704
2014-02-03,Credit card,,Other,,,,N/A,Web,2014-02-03,Closed with explanation,Yes,No,CR0697018,5030
2014-02-03,Credit card,,Other,,,,N/A,Web,2014-02-03,Closed with explanation,Yes,No,CR0696660,3685
2014-02-03,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-02-03,Closed with explanation,Yes,No,CR0697246,4241
2014-02-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-02-03,Closed with monetary relief,Yes,No,CR0698192,13113
2014-02-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-12,Closed with explanation,Yes,Yes,CR0697866,2111
2014-02-03,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2014-02-03,Closed with monetary relief,Yes,No,CR0697363,4514
2014-02-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-02-01,Closed with monetary relief,Yes,No,CR0695634,2583
2014-02-02,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-02-01,Closed with explanation,Yes,No,CR0695943,2897
2014-02-01,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-01-31,Closed with explanation,Yes,No,CR0695433,1680
2014-02-01,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,N/A,Web,2014-01-31,Closed,Yes,No,CR0694924,13098
2014-02-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-01,Closed with monetary relief,Yes,No,CR0695578,2899
2014-02-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-11,Closed with non-monetary relief,Yes,No,CR0695395,1760
2014-02-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-01,Closed with monetary relief,Yes,No,CR0695591,2867
2014-01-31,Credit card,,Privacy,,,,N/A,Web,2014-01-31,Closed with explanation,Yes,No,CR0694552,1383
2014-01-31,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-01-31,Closed with explanation,Yes,No,CR0694827,3383
2014-01-31,Credit card,,Billing disputes,,,,N/A,Web,2014-01-31,Closed with explanation,Yes,Yes,CR0695028,4837
2014-01-31,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2014-01-31,Closed with explanation,Yes,No,CR0696425,319
2014-01-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-01-31,Closed with monetary relief,Yes,No,CR0694532,1341
2014-01-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-01-31,Closed with monetary relief,Yes,No,CR0695220,2050
2014-01-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-01-31,Closed with explanation,Yes,No,CR0694155,3048
2014-01-31,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-02-07,Closed with explanation,Yes,No,CR0694438,105
2014-01-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-01-31,Closed with explanation,Yes,No,CR0695103,2902
2014-01-30,Credit card,,Balance transfer,,,,N/A,Web,2014-01-30,Closed with explanation,Yes,No,CR0696331,872
2014-01-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-01-30,Closed with monetary relief,Yes,No,CR0693785,10563
2014-01-29,Credit card,,Credit line increase/decrease,,,,N/A,Web,2014-01-28,Closed with explanation,Yes,No,CR0690074,2709
2014-01-29,Credit card,,Other fee,,,,N/A,Web,2014-02-07,Closed with monetary relief,Yes,No,CR0691885,1661
2014-01-29,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Web,2014-01-29,Closed with non-monetary relief,Yes,No,CR0691308,2516
2014-01-29,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-01-29,Closed with explanation,Yes,No,CR0691966,9555
2014-01-29,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-01-29,Closed with explanation,Yes,No,CR0690742,1362
2014-01-28,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-02-06,Closed with explanation,Yes,Yes,CR0687967,2684
2014-01-28,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-02-12,Closed with explanation,Yes,No,CR0688864,3892
2014-01-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-02-06,Closed with monetary relief,Yes,Yes,CR0689430,5402
2014-01-28,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2014-01-28,Closed with explanation,Yes,No,CR0689199,4173
2014-01-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-01-30,Closed with explanation,Yes,No,CR0688387,2778
2014-01-27,Credit card,,Delinquent account,,,,N/A,Web,2014-02-05,Closed with explanation,Yes,No,CR0687467,2631
2014-01-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-01-27,Closed with explanation,Yes,No,CR0687398,542
2014-01-27,Credit card,,APR or interest rate,,,,N/A,Web,2014-01-27,Closed with explanation,Yes,Yes,CR0686586,856
2014-01-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-01-27,Closed with explanation,Yes,No,CR0687332,2835
2014-01-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-26,Closed with monetary relief,Yes,No,CR0686544,4288
2014-01-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-26,Closed with explanation,Yes,No,CR0686543,2107
2014-01-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-27,Closed with non-monetary relief,Yes,No,CR0686580,709
2014-01-27,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2014-01-27,Closed with explanation,Yes,No,CR0686947,3281
2014-01-27,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2014-01-27,Closed with non-monetary relief,Yes,No,CR0686458,4131
2014-01-26,Credit card,,Other,,,,N/A,Web,2014-02-09,Closed with explanation,Yes,No,CR0685813,3153
2014-01-26,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-01-26,Closed with explanation,Yes,No,CR0685895,958
2014-01-26,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-01-26,Closed with explanation,Yes,No,CR0685932,691
2014-01-26,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-01-30,Closed with monetary relief,Yes,No,CR0683364,3316
2014-01-25,Credit card,,Delinquent account,,,,N/A,Web,2014-01-25,Closed with explanation,Yes,Yes,CR0684001,3048
2014-01-25,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2014-01-25,Closed with explanation,Yes,No,CR0685667,3104
2014-01-25,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-01-25,Closed with explanation,Yes,No,CR0685722,1701
2014-01-24,Credit card,,Billing disputes,,,,N/A,Web,2014-01-30,Closed with explanation,Yes,Yes,CR0684606,9419
2014-01-24,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2014-02-06,Closed with explanation,Yes,No,CR0684324,1337
2014-01-24,Credit card,,Other fee,,,,N/A,Web,2014-01-24,Closed with explanation,Yes,No,CR0684362,2728
2014-01-24,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Web,2014-01-27,Closed with explanation,Yes,No,CR0684288,3259
2014-01-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-01-24,Closed with explanation,Yes,No,CR0684786,2349
2014-01-23,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-01-31,Closed with explanation,Yes,No,CR0682343,762
2014-01-23,Credit card,,Convenience checks,,,,N/A,Web,2014-01-23,Closed with monetary relief,Yes,No,CR0682881,1584
2014-01-23,Bank account or service,(CD) Certificate of deposit,"Making/receiving payments, sending money",,,,N/A,Web,2014-01-23,Closed with explanation,Yes,No,CR0681948,4205
2014-01-23,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Web,2014-01-23,Closed with explanation,Yes,No,CR0681509,6067
2014-01-22,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2014-01-30,Closed with explanation,Yes,Yes,CR0678869,3365
2014-01-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-21,Closed with monetary relief,Yes,No,CR0679386,931
2014-01-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-23,Closed with monetary relief,Yes,No,CR0680688,1507
2014-01-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-01-21,Closed,Yes,No,CR0679425,2325
2014-01-22,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2014-01-29,Closed with explanation,Yes,No,CR0679565,1491
2014-01-22,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-01-23,Closed with explanation,Yes,No,CR0680672,4429
2014-01-21,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-01-21,Closed with explanation,Yes,No,CR0678184,2274
2014-01-21,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2014-01-21,Closed with explanation,Yes,Yes,CR0678103,7723
2014-01-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-21,Closed with monetary relief,Yes,No,CR0678119,3772
2014-01-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-01-21,Closed with explanation,Yes,No,CR0677601,880
2014-01-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-01-21,Closed with explanation,Yes,No,CR0677898,2647
2014-01-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-01-20,Closed with explanation,Yes,Yes,CR0673716,877
2014-01-20,Credit card,,Late fee,,,,N/A,Web,2014-01-27,Closed with explanation,Yes,No,CR0676279,2475
2014-01-20,Credit card,,Billing disputes,,,,N/A,Web,2014-01-27,Closed with explanation,Yes,Yes,CR0676333,2086
2014-01-20,Credit card,,Credit line increase/decrease,,,,N/A,Web,2014-01-19,Closed with explanation,Yes,Yes,CR0674419,7411
2014-01-20,Credit card,,Credit line increase/decrease,,,,N/A,Web,2014-01-19,Closed with explanation,Yes,No,CR0676292,4326
2014-01-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-01-20,Closed with explanation,Yes,No,CR0676355,4679
2014-01-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-01-19,Closed with monetary relief,Yes,No,CR0676274,829
2014-01-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2014-01-19,Closed with explanation,Yes,No,CR0676302,3077
2014-01-19,Credit card,,Delinquent account,,,Older American,N/A,Web,2014-01-19,Closed with explanation,Yes,Yes,CR0676213,39
2014-01-19,Credit card,,APR or interest rate,,,,N/A,Web,2014-01-18,Closed with explanation,Yes,Yes,CR0676135,2074
2014-01-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-01-19,Closed with explanation,Yes,No,CR0676177,1279
2014-01-19,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-01-22,Closed with explanation,Yes,No,CR0673692,1214
2014-01-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-19,Closed with explanation,Yes,No,CR0676253,5126
2014-01-18,Credit card,,Credit line increase/decrease,,,,N/A,Web,2014-01-17,Closed with explanation,Yes,Yes,CR0675938,2117
2014-01-18,Credit card,,Late fee,,,,N/A,Web,2014-01-22,Closed with explanation,Yes,No,CR0676051,989
2014-01-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-01-18,Closed with explanation,Yes,No,CR0673967,235
2014-01-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-01-18,Closed with monetary relief,Yes,No,CR0676064,4153
2014-01-18,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Web,2014-01-17,Closed with explanation,Yes,No,CR0675956,2240
2014-01-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-01-17,Closed with monetary relief,Yes,No,CR0675983,4321
2014-01-17,Credit card,,APR or interest rate,,,,N/A,Web,2014-01-17,Closed with explanation,Yes,Yes,CR0674627,11683
2014-01-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-17,Closed with explanation,Yes,No,CR0675476,3843
2014-01-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-17,Closed with non-monetary relief,Yes,Yes,CR0674623,2308
2014-01-17,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-01-17,Closed with explanation,Yes,No,CR0675816,3995
2014-01-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2014-01-17,Closed with monetary relief,Yes,No,CR0673778,10274
2014-01-17,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-01-17,Closed with monetary relief,Yes,No,CR0675819,1843
2014-01-16,Credit card,,Transaction issue,,,,N/A,Web,2014-01-16,Closed with explanation,Yes,No,CR0672569,4509
2014-01-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-01-16,Closed with explanation,Yes,No,CR0672224,2887
2014-01-16,Credit card,,Rewards,,,,N/A,Web,2014-01-17,Closed with explanation,Yes,No,CR0673059,3201
2014-01-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-01-16,Closed with explanation,Yes,Yes,CR0672726,1999
2014-01-15,Credit card,,Billing disputes,,,,N/A,Web,2014-01-17,Closed with explanation,Yes,No,CR0669298,4465
2014-01-15,Credit card,,Other,,,,N/A,Web,2014-01-16,Closed with explanation,Yes,No,CR0671087,3644
2014-01-15,Credit card,,Credit determination,,,,N/A,Web,2014-01-15,Closed with non-monetary relief,Yes,No,CR0671399,1643
2014-01-15,Credit card,,Sale of account,,,Older American,N/A,Web,2014-01-17,Closed with explanation,Yes,No,CR0671145,637
2014-01-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-01-14,Closed with explanation,Yes,Yes,CR0669337,2629
2014-01-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-14,Closed with monetary relief,Yes,No,CR0670090,6481
2014-01-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-01-15,Closed with non-monetary relief,Yes,No,CR0670788,1242
2014-01-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-01-15,Closed with monetary relief,Yes,No,CR0672057,3549
2014-01-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-01-15,Closed with explanation,Yes,No,CR0670951,4655
2014-01-14,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-01-16,Closed with explanation,Yes,Yes,CR0667958,3232
2014-01-14,Credit card,,Other fee,,,Older American,N/A,Web,2014-01-14,Closed with non-monetary relief,Yes,No,CR0668544,3853
2014-01-14,Credit card,,Credit line increase/decrease,,,"Older American, Servicemember",N/A,Web,2014-01-13,Closed with monetary relief,Yes,No,CR0667434,2105
2014-01-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-01-13,Closed with explanation,Yes,No,CR0667507,5263
2014-01-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-16,Closed with explanation,Yes,No,CR0667964,4458
2014-01-13,Credit card,,Other,,,,N/A,Web,2014-01-13,Closed with explanation,Yes,No,CR0666273,2341
2014-01-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-01-16,Closed with explanation,Yes,No,CR0665331,3818
2014-01-13,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2014-01-13,Closed with explanation,Yes,No,CR0665965,11195
2014-01-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-01-17,Closed with explanation,Yes,No,CR0665186,1362
2014-01-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-01-13,Closed with explanation,Yes,No,CR0665376,4414
2014-01-12,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2014-01-12,Closed with explanation,Yes,No,CR0664770,835
2014-01-12,Credit card,,Customer service / Customer relations,,,,N/A,Web,2014-01-12,Closed with explanation,Yes,Yes,CR0662824,921
2014-01-12,Credit card,,Advertising and marketing,,,,N/A,Web,2014-01-11,Closed with explanation,Yes,No,CR0664696,3965
2014-01-12,Credit card,,Credit determination,,,,N/A,Web,2014-01-11,Closed with explanation,Yes,No,CR0662589,3817
2014-01-12,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2014-01-12,Closed with explanation,Yes,No,CR0664761,1586
2014-01-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-12,Closed with monetary relief,Yes,No,CR0664742,1147
2014-01-11,Credit card,,Advertising and marketing,,,,N/A,Web,2014-01-11,Closed with explanation,Yes,Yes,CR0662772,796
2014-01-11,Credit card,,Late fee,,,,N/A,Web,2014-01-10,Closed with explanation,Yes,No,CR0664372,2976
2014-01-11,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2014-01-11,Closed with explanation,Yes,No,CR0664478,2169
2014-01-11,Bank account or service,Savings account,Deposits and withdrawals,,,Servicemember,N/A,Web,2014-01-10,Closed with explanation,Yes,Yes,CR0665079,620
2014-01-11,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Web,2014-01-10,Closed with monetary relief,Yes,No,CR0664330,2858
2014-01-11,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-01-11,Closed with explanation,Yes,No,CR0662683,4065
2014-01-11,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2014-01-11,Closed with explanation,Yes,No,CR0665177,3874
2014-01-10,Credit card,,Rewards,,,,N/A,Web,2014-01-15,Closed with explanation,Yes,No,CR0663391,1211
2014-01-10,Credit card,,Other,,,,N/A,Web,2014-01-10,Closed with non-monetary relief,Yes,No,CR0663189,301
2014-01-10,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-01-10,Closed with explanation,Yes,No,CR0663924,13694
2014-01-10,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2014-01-10,Closed with explanation,Yes,No,CR0662787,875
2014-01-09,Credit card,,Other,,,Older American,N/A,Web,2014-01-13,Closed with explanation,Yes,No,CR0660607,4006
2014-01-09,Credit card,,Billing disputes,,,,N/A,Web,2014-01-13,Closed with explanation,Yes,No,CR0661363,3342
2014-01-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-08,Closed with monetary relief,Yes,No,CR0660842,3076
2014-01-09,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Web,2014-01-08,Closed with non-monetary relief,Yes,No,CR0660865,4286
2014-01-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-01-08,Closed with explanation,Yes,No,CR0660604,12102
2014-01-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-01-13,Closed with non-monetary relief,Yes,No,CR0660787,3361
2014-01-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2014-01-09,Closed with monetary relief,Yes,No,CR0661884,319
2014-01-09,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-01-09,Closed with explanation,Yes,No,CR0662150,3925
2014-01-09,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-01-09,Closed with explanation,Yes,No,CR0661027,738
2014-01-08,Credit card,,Billing statement,,,,N/A,Web,2014-01-08,Closed with explanation,Yes,No,CR0659069,6924
2014-01-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-01-17,Closed with monetary relief,Yes,No,CR0660204,4904
2014-01-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-01-08,Closed with explanation,Yes,No,CR0659468,2949
2014-01-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-01-07,Closed with explanation,Yes,No,CR0659050,732
2014-01-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-08,Closed with explanation,Yes,Yes,CR0659351,698
2014-01-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-01-07,Closed with monetary relief,Yes,No,CR0660493,1945
2014-01-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-10,Closed,Yes,No,CR0660202,4626
2014-01-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-01-08,Closed with monetary relief,Yes,No,CR0659129,13151
2014-01-07,Credit card,,Other fee,,,,N/A,Web,2014-01-16,Closed with explanation,Yes,No,CR0657162,864
2014-01-07,Credit card,,Payoff process,,,,N/A,Web,2014-01-07,Closed with explanation,Yes,No,CR0658245,3972
2014-01-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-07,Closed with monetary relief,Yes,No,CR0657643,4524
2014-01-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-01-07,Closed with monetary relief,Yes,No,CR0657809,1876
2014-01-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-01-10,Closed with explanation,Yes,Yes,CR0658378,9933
2014-01-06,Credit card,,APR or interest rate,,,,N/A,Web,2014-01-06,Closed with explanation,Yes,No,CR0655800,439
2014-01-06,Credit card,,Credit determination,,,,N/A,Web,2014-01-05,Closed with explanation,Yes,No,CR0655648,4956
2014-01-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-01-06,Closed,Yes,No,CR0656857,9914
2014-01-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-01-10,Closed with explanation,Yes,No,CR0656072,2975
2014-01-06,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-01-06,Closed with explanation,Yes,No,CR0656136,3507
2014-01-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-01-06,Closed with monetary relief,Yes,No,CR0656295,3755
2014-01-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-05,Closed with explanation,Yes,No,CR0655640,1790
2014-01-04,Credit card,,Other,,,,N/A,Web,2014-01-03,Closed with explanation,Yes,No,CR0654855,3199
2014-01-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-01-04,Closed with explanation,Yes,Yes,CR0654933,13451
2014-01-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-06,Closed with explanation,Yes,No,CR0654991,290
2014-01-04,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Web,2014-01-10,Closed with explanation,Yes,No,CR0654897,1340
2014-01-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-01-04,Closed with explanation,Yes,Yes,CR0653625,658
2014-01-03,Credit card,,Other,,,Servicemember,N/A,Web,2014-01-08,Closed with explanation,Yes,No,CR0654240,3690
2014-01-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-03,Closed with explanation,Yes,No,CR0653842,2514
2014-01-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-01-02,Closed with explanation,Yes,No,CR0653721,6764
2014-01-03,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2014-01-03,Closed with explanation,Yes,Yes,CR0654453,4281
2014-01-03,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2014-01-03,Closed with explanation,Yes,No,CR0653443,4340
2014-01-02,Credit card,,Closing/Cancelling account,,,,N/A,Web,2014-01-02,Closed with explanation,Yes,Yes,CR0652499,129
2014-01-02,Credit card,,Advertising and marketing,,,,N/A,Web,2014-01-02,Closed with non-monetary relief,Yes,No,CR0652637,1561
2014-01-02,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-01-02,Closed with non-monetary relief,Yes,No,CR0652440,1224
2014-01-02,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2014-01-02,Closed with monetary relief,Yes,No,CR0653403,527
2014-01-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-01-02,Closed with explanation,Yes,No,CR0652623,2223
2014-01-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2014-01-02,Closed with monetary relief,Yes,No,CR0652960,4388
2014-01-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-02,Closed with explanation,Yes,No,CR0653082,505
2014-01-02,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2014-01-06,Closed with explanation,Yes,No,CR0652157,2389
2014-01-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2014-01-02,Closed with explanation,Yes,No,CR0652299,1479
2014-01-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2014-01-14,Closed,Yes,No,CR0652420,4367
2014-01-02,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-01-02,Closed with explanation,Yes,No,CR0652130,3998
2014-01-01,Credit card,,Payoff process,,,,N/A,Web,2014-01-01,Closed with explanation,Yes,No,CR0651259,766
2014-01-01,Credit card,,Balance transfer fee,,,,N/A,Web,2014-01-01,Closed with explanation,Yes,No,CR0651281,2294
2014-01-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-01,Closed with explanation,Yes,No,CR0651321,2733
2013-12-31,Credit card,,Billing disputes,,,,N/A,Web,2014-01-14,Closed with explanation,Yes,No,CR0648814,579
2013-12-31,Credit card,,Other,,,,N/A,Web,2014-01-02,Closed with explanation,Yes,Yes,CR0650461,4892
2013-12-31,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2014-01-13,Closed with explanation,Yes,No,CR0648803,11314
2013-12-31,Credit card,,Late fee,,,,N/A,Web,2013-12-31,Closed with explanation,Yes,No,CR0650669,4786
2013-12-31,Credit card,,Application processing delay,,,,N/A,Web,2013-12-31,Closed with explanation,Yes,No,CR0650990,10912
2013-12-31,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2014-01-14,Closed with explanation,Yes,Yes,CR0648953,4808
2013-12-30,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-12-30,Closed with monetary relief,Yes,No,CR0649408,5462
2013-12-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-12-29,Closed with monetary relief,Yes,No,CR0649194,4639
2013-12-29,Credit card,,Late fee,,,Older American,N/A,Web,2014-01-13,Closed with explanation,Yes,No,CR0648379,1270
2013-12-29,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2013-12-29,Closed with explanation,Yes,No,CR0648442,3950
2013-12-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-03,Closed with explanation,Yes,No,CR0648353,824
2013-12-27,Credit card,,Other,,,,N/A,Web,2013-12-27,Closed with explanation,Yes,No,CR0648725,1612
2013-12-27,Credit card,,Other,,,,N/A,Web,2014-01-13,Closed with explanation,Yes,No,CR0647960,3437
2013-12-27,Credit card,,Transaction issue,,,Older American,N/A,Web,2013-12-27,Closed with explanation,Yes,No,CR0648042,1418
2013-12-27,Credit card,,Other,,,,N/A,Web,2014-01-13,Closed with explanation,Yes,Yes,CR0647625,5159
2013-12-27,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-12-27,Closed with monetary relief,Yes,No,CR0648490,3872
2013-12-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-12-30,Closed with explanation,Yes,No,CR0648758,6001
2013-12-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-12-26,Closed with monetary relief,Yes,No,CR0647137,1191
2013-12-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-12-25,Closed with explanation,Yes,No,CR0645400,3276
2013-12-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-12-30,Closed with explanation,Yes,No,CR0645439,175
2013-12-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-02-13,Closed with monetary relief,Yes,No,CR0646224,3958
2013-12-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-12-26,Closed with explanation,Yes,Yes,CR0646153,2681
2013-12-25,Credit card,,Delinquent account,,,,N/A,Web,2013-12-24,Closed with explanation,Yes,Yes,CR0645344,4445
2013-12-25,Credit card,,Billing disputes,,,,N/A,Web,2013-12-25,Closed with explanation,Yes,No,CR0645372,853
2013-12-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-12-30,Closed,Yes,Yes,CR0644764,364
2013-12-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-12-27,Closed with explanation,Yes,No,CR0644565,3345
2013-12-24,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Web,2013-12-23,Closed with explanation,Yes,No,CR0644630,587
2013-12-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-12-23,Closed with explanation,Yes,No,CR0644693,480
2013-12-23,Credit card,,Other,,,Older American,N/A,Web,2013-12-30,Closed with explanation,Yes,No,CR0642942,417
2013-12-23,Credit card,,Unsolicited issuance of credit card,,,Servicemember,N/A,Web,2013-12-22,Closed with explanation,Yes,Yes,CR0642702,9457
2013-12-23,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2013-12-22,Closed with monetary relief,Yes,Yes,CR0642741,9202
2013-12-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-12-23,Closed with explanation,Yes,No,CR0642749,432
2013-12-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-12-23,Closed with monetary relief,Yes,No,CR0643560,1064
2013-12-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-12-21,Closed with monetary relief,Yes,No,CR0641547,3930
2013-12-20,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2013-12-20,Closed with explanation,Yes,No,CR0641254,2607
2013-12-20,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-12-19,Closed with explanation,Yes,No,CR0640346,9930
2013-12-20,Credit card,,Delinquent account,,,,N/A,Web,2014-01-06,Closed with explanation,Yes,No,CR0641255,2571
2013-12-20,Credit card,,Billing disputes,,,,N/A,Web,2014-01-30,Closed with explanation,Yes,No,CR0640750,1878
2013-12-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-12-20,Closed with explanation,Yes,No,CR0640520,3426
2013-12-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-12-31,Closed with explanation,Yes,No,CR0640364,3160
2013-12-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2014-01-06,Closed with explanation,Yes,No,CR0638569,4055
2013-12-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-12-19,Closed with explanation,Yes,No,CR0638673,2726
2013-12-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-12-19,Closed with non-monetary relief,Yes,No,CR0639124,4288
2013-12-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-09,Closed with explanation,Yes,No,CR0639037,3245
2013-12-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-12-19,Closed with explanation,Yes,Yes,CR0638340,344
2013-12-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2014-01-03,Closed with non-monetary relief,Yes,No,CR0639242,2399
2013-12-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-12-19,Closed with monetary relief,Yes,No,CR0639478,3450
2013-12-18,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-12-18,Closed with explanation,Yes,No,CR0638337,6764
2013-12-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-12-18,Closed with monetary relief,Yes,No,CR0638461,4264
2013-12-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-12-18,Closed with monetary relief,Yes,No,CR0646991,4754
2013-12-17,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-12-17,Closed with explanation,Yes,No,CR0637379,3917
2013-12-17,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-12-16,Closed with explanation,Yes,Yes,CR0636504,1971
2013-12-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-12-16,Closed with monetary relief,Yes,No,CR0637615,5137
2013-12-16,Credit card,,Balance transfer fee,,,,N/A,Web,2013-12-19,Closed with explanation,Yes,No,CR0635907,604
2013-12-16,Credit card,,Credit line increase/decrease,,,,N/A,Web,2013-12-16,Closed with explanation,Yes,No,CR0635124,1776
2013-12-16,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-12-16,Closed with explanation,Yes,No,CR0635572,1982
2013-12-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-12-16,Closed with explanation,No,No,CR0635895,2439
2013-12-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-12-16,Closed with explanation,Yes,No,CR0635453,1080
2013-12-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-12-15,Closed with explanation,Yes,No,CR0634733,10159
2013-12-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-12-16,Closed with explanation,Yes,No,CR0634777,931
2013-12-15,Credit card,,Credit line increase/decrease,,,,N/A,Web,2013-12-15,Closed with explanation,Yes,Yes,CR0634196,4487
2013-12-15,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-12-23,Closed with explanation,Yes,No,CR0634153,404
2013-12-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-12-15,Closed with monetary relief,Yes,No,CR0634569,12468
2013-12-13,Credit card,,Delinquent account,,,,N/A,Web,2013-12-18,Closed with non-monetary relief,Yes,No,CR0633588,3483
2013-12-13,Credit card,,Balance transfer,,,,N/A,Web,2013-12-12,Closed with explanation,Yes,No,CR0632865,11195
2013-12-13,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-12-19,Closed with explanation,Yes,No,CR0632900,903
2013-12-13,Credit card,,Advertising and marketing,,,,N/A,Web,2013-12-13,Closed with explanation,Yes,No,CR0632699,3029
2013-12-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-12-13,Closed with explanation,Yes,No,CR0633311,3359
2013-12-12,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-12-11,Closed with explanation,Yes,No,CR0631027,3931
2013-12-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-12-12,Closed with monetary relief,Yes,No,CR0630936,2431
2013-12-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-12-12,Closed with explanation,Yes,No,CR0631673,2450
2013-12-12,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-12-12,Closed with explanation,Yes,No,CR0632572,3599
2013-12-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-12-11,Closed with explanation,Yes,Yes,CR0631112,2142
2013-12-12,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-12-12,Closed with explanation,Yes,Yes,CR0631247,2479
2013-12-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-12-12,Closed,Yes,No,CR0631890,4161
2013-12-11,Credit card,,Billing disputes,,,,N/A,Web,2013-12-11,Closed with explanation,Yes,No,CR0629503,3251
2013-12-11,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-12-11,Closed with explanation,Yes,Yes,CR0629860,1848
2013-12-11,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-12-11,Closed with explanation,Yes,No,CR0630308,2553
2013-12-11,Credit card,,Other,,,,N/A,Web,2013-12-20,Closed with explanation,Yes,No,CR0630925,4434
2013-12-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-12-10,Closed with monetary relief,Yes,No,CR0629460,1103
2013-12-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-12-18,Closed with explanation,Yes,No,CR0629395,2831
2013-12-10,Credit card,,Billing disputes,,,,N/A,Web,2013-12-16,Closed with explanation,Yes,No,CR0628185,2342
2013-12-10,Credit card,,Late fee,,,,N/A,Web,2013-12-10,Closed with explanation,Yes,No,CR0630897,3188
2013-12-10,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-12-10,Closed with explanation,Yes,Yes,CR0628138,11250
2013-12-10,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-12-10,Closed with explanation,Yes,No,CR0628618,469
2013-12-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-12-09,Closed with explanation,Yes,No,CR0627802,3222
2013-12-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-12-09,Closed with explanation,Yes,Yes,CR0627787,2164
2013-12-09,Credit card,,Other,,,,N/A,Web,2013-12-19,Closed with explanation,Yes,Yes,CR0625599,3698
2013-12-09,Credit card,,Privacy,,,,N/A,Web,2013-12-08,Closed with explanation,Yes,No,CR0625497,3440
2013-12-09,Credit card,,Advertising and marketing,,,,N/A,Web,2013-12-09,Closed with explanation,Yes,No,CR0626290,11274
2013-12-09,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-12-17,Closed with explanation,Yes,Yes,CR0624024,184
2013-12-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-12-09,Closed with monetary relief,Yes,No,CR0625669,405
2013-12-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-12-09,Closed with explanation,Yes,No,CR0627521,10077
2013-12-07,Credit card,,Cash advance fee,,,,N/A,Web,2013-12-11,Closed with non-monetary relief,Yes,Yes,CR0625331,1211
2013-12-07,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2013-12-06,Closed with non-monetary relief,Yes,No,CR0625298,4565
2013-12-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-12-07,Closed with explanation,Yes,No,CR0625317,1576
2013-12-06,Credit card,,Delinquent account,,,,N/A,Web,2013-12-06,Closed with non-monetary relief,Yes,No,CR0624995,4656
2013-12-06,Credit card,,APR or interest rate,,,,N/A,Web,2013-12-06,Closed with explanation,Yes,No,CR0625121,115
2013-12-06,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-12-06,Closed with explanation,Yes,No,CR0625100,3324
2013-12-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Web,2013-12-18,Closed,Yes,No,CR0624254,215
2013-12-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-12-06,Closed with monetary relief,Yes,No,CR0624112,3317
2013-12-05,Credit card,,Billing disputes,,,,N/A,Web,2013-12-11,Closed with explanation,Yes,No,CR0623919,8678
2013-12-05,Credit card,,Other,,,,N/A,Web,2013-12-09,Closed with non-monetary relief,Yes,No,CR0622585,9914
2013-12-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-12-05,Closed with monetary relief,Yes,No,CR0622717,3740
2013-12-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-12-05,Closed with monetary relief,Yes,No,CR0623660,6481
2013-12-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-12-11,Closed with explanation,Yes,Yes,CR0621222,2479
2013-12-04,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2013-12-04,Closed with explanation,Yes,No,CR0621401,1303
2013-12-04,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2013-12-05,Closed with explanation,Yes,No,CR0621470,921
2013-12-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-12-02,Closed,Yes,Yes,CR0618755,4081
2013-12-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-12-02,Closed with monetary relief,Yes,No,CR0618731,4169
2013-12-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-12-03,Closed with monetary relief,Yes,No,CR0619078,145
2013-12-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-12-16,Closed with explanation,Yes,No,CR0618779,2666
2013-12-03,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-12-03,Closed with monetary relief,Yes,No,CR0619237,2507
2013-12-03,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-12-03,Closed with monetary relief,Yes,No,CR0619769,2330
2013-12-02,Credit card,,Other,,,,N/A,Web,2013-12-02,Closed with explanation,Yes,No,CR0618559,131
2013-12-02,Credit card,,Transaction issue,,,,N/A,Web,2013-12-02,Closed with explanation,Yes,No,CR0617920,6485
2013-12-02,Credit card,,Billing disputes,,,,N/A,Web,2013-12-02,Closed with explanation,Yes,Yes,CR0617472,3687
2013-12-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-12-01,Closed with explanation,Yes,No,CR0616862,1595
2013-11-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-11-29,Closed with explanation,Yes,No,CR0616132,875
2013-11-29,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-11-29,Closed with explanation,Yes,No,CR0616358,1207
2013-11-29,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-11-29,Closed with explanation,Yes,No,CR0616177,240
2013-11-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-11-29,Closed with monetary relief,Yes,No,CR0616163,1954
2013-11-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-11-29,Closed with explanation,Yes,Yes,CR0616289,1000
2013-11-27,Credit card,,Other fee,,,,N/A,Web,2013-11-27,Closed with explanation,Yes,No,CR0614696,4837
2013-11-27,Credit card,,Other fee,,,,N/A,Web,2013-11-27,Closed with explanation,Yes,No,CR0615065,2283
2013-11-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-11-27,Closed with monetary relief,Yes,No,CR0614691,2012
2013-11-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-11-27,Closed with non-monetary relief,Yes,Yes,CR0615218,3501
2013-11-26,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-11-26,Closed with monetary relief,Yes,No,CR0612457,1098
2013-11-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-11-25,Closed with explanation,Yes,No,CR0612397,4944
2013-11-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-12-03,Closed with monetary relief,Yes,No,CR0612591,3436
2013-11-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-11-26,Closed,Yes,Yes,CR0612234,2442
2013-11-25,Credit card,,Transaction issue,,,,N/A,Web,2013-11-25,Closed with monetary relief,Yes,No,CR0611222,221
2013-11-25,Credit card,,Arbitration,,,,N/A,Web,2013-11-26,Closed with explanation,Yes,No,CR0611504,3537
2013-11-25,Credit card,,Billing disputes,,,,N/A,Web,2013-11-27,Closed with explanation,Yes,Yes,CR0612175,4715
2013-11-25,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2013-11-26,Closed with explanation,Yes,No,CR0610360,534
2013-11-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-11-25,Closed with explanation,Yes,No,CR0611580,3170
2013-11-25,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-11-27,Closed with non-monetary relief,Yes,No,CR0610356,6474
2013-11-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-12-06,Closed,Yes,No,CR0609882,3257
2013-11-23,Credit card,,Customer service / Customer relations,,,Servicemember,N/A,Web,2013-11-26,Closed with explanation,Yes,No,CR0609506,3136
2013-11-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-11-27,Closed with monetary relief,Yes,No,CR0609477,773
2013-11-22,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2013-12-02,Closed with explanation,Yes,No,CR0610123,347
2013-11-22,Credit card,,Billing disputes,,,,N/A,Web,2013-11-22,Closed with monetary relief,Yes,No,CR0609390,4302
2013-11-22,Credit card,,Payoff process,,,Servicemember,N/A,Web,2013-11-22,Closed with explanation,Yes,No,CR0608694,2734
2013-11-22,Credit card,,Billing disputes,,,,N/A,Web,2013-11-25,Closed with monetary relief,Yes,No,CR0608502,4380
2013-11-22,Credit card,,Cash advance,,,,N/A,Web,2013-11-22,Closed with explanation,Yes,No,CR0609198,9174
2013-11-22,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2013-11-29,Closed with non-monetary relief,Yes,No,CR0608314,3416
2013-11-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-11-27,Closed with monetary relief,Yes,Yes,CR0608367,2894
2013-11-21,Credit card,,Credit determination,,,,N/A,Web,2013-11-21,Closed with explanation,Yes,Yes,CR0606784,3410
2013-11-21,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-11-26,Closed with explanation,Yes,No,CR0608010,615
2013-11-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-11-22,Closed with explanation,Yes,No,CR0607965,2609
2013-11-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-11-26,Closed with monetary relief,Yes,No,CR0608050,2408
2013-11-21,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Web,2013-11-29,Closed with non-monetary relief,Yes,No,CR0607930,4312
2013-11-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-11-27,Closed with non-monetary relief,Yes,No,CR0607396,13955
2013-11-20,Credit card,,Billing statement,,,,N/A,Web,2013-11-20,Closed with explanation,Yes,No,CR0606019,2752
2013-11-20,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-11-21,Closed with explanation,Yes,No,CR0606154,520
2013-11-20,Credit card,,Credit line increase/decrease,,,,N/A,Web,2013-11-20,Closed with explanation,Yes,No,CR0606558,1675
2013-11-20,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Web,2013-11-19,Closed with explanation,Yes,Yes,CR0605340,914
2013-11-20,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Web,2013-11-26,Closed with non-monetary relief,Yes,Yes,CR0605996,3290
2013-11-20,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Web,2013-11-21,Closed with monetary relief,Yes,No,CR0606566,13657
2013-11-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-11-22,Closed with non-monetary relief,Yes,No,CR0606589,261
2013-11-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-12-02,Closed with explanation,Yes,No,CR0605417,2992
2013-11-19,Credit card,,Rewards,,,,N/A,Web,2013-11-20,Closed with explanation,Yes,Yes,CR0603405,3082
2013-11-19,Credit card,,Billing disputes,,,,N/A,Web,2013-11-21,Closed with monetary relief,Yes,No,CR0604736,3894
2013-11-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-11-27,Closed with explanation,Yes,Yes,CR0604657,4339
2013-11-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-11-26,Closed with explanation,Yes,No,CR0603552,72
2013-11-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-11-22,Closed with explanation,Yes,No,CR0604548,6256
2013-11-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-11-18,Closed with explanation,Yes,Yes,CR0602794,647
2013-11-18,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-11-18,Closed with explanation,Yes,Yes,CR0603277,12051
2013-11-18,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2013-11-21,Closed with monetary relief,Yes,Yes,CR0601705,13417
2013-11-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-11-21,Closed with monetary relief,Yes,No,CR0600663,3736
2013-11-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-11-19,Closed with monetary relief,Yes,No,CR0600752,2605
2013-11-18,Bank account or service,(CD) Certificate of deposit,"Making/receiving payments, sending money",,,,N/A,Web,2013-11-27,Closed,Yes,No,CR0602444,4201
2013-11-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-12-02,Closed,Yes,Yes,CR0601749,1428
2013-11-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-11-27,Closed with non-monetary relief,Yes,Yes,CR0601871,1046
2013-11-17,Credit card,,Rewards,,,Older American,N/A,Web,2013-11-22,Closed with explanation,Yes,No,CR0600799,2208
2013-11-16,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-11-16,Closed with explanation,Yes,No,CR0601436,4575
2013-11-16,Credit card,,Late fee,,,,N/A,Web,2013-11-16,Closed with monetary relief,Yes,No,CR0600839,1124
2013-11-16,Credit card,,Advertising and marketing,,,,N/A,Web,2013-11-16,Closed with explanation,Yes,No,CR0600882,2398
2013-11-16,Credit card,,Late fee,,,,N/A,Web,2013-11-16,Closed with monetary relief,Yes,No,CR0600863,1492
2013-11-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-11-18,Closed with explanation,Yes,No,CR0601318,2584
2013-11-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-11-25,Closed with non-monetary relief,Yes,No,CR0601326,3121
2013-11-15,Credit card,,Billing disputes,,,,N/A,Web,2013-11-15,Closed with monetary relief,Yes,No,CR0599782,2958
2013-11-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-11-18,Closed with explanation,Yes,Yes,CR0599694,1781
2013-11-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-11-20,Closed with non-monetary relief,Yes,No,CR0599576,5376
2013-11-14,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2013-11-13,Closed with explanation,Yes,No,CR0598177,2691
2013-11-14,Credit card,,Other,,,Older American,N/A,Web,2013-11-14,Closed with explanation,Yes,Yes,CR0598752,1258
2013-11-14,Credit card,,Billing statement,,,,N/A,Web,2013-11-13,Closed with monetary relief,Yes,No,CR0598159,3934
2013-11-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-11-14,Closed with monetary relief,Yes,No,CR0598762,2720
2013-11-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-11-15,Closed with monetary relief,Yes,Yes,CR0597434,4534
2013-11-13,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2013-11-13,Closed with explanation,Yes,No,CR0595616,4320
2013-11-13,Credit card,,Arbitration,,,,N/A,Web,2013-11-13,Closed with explanation,Yes,No,CR0596778,335
2013-11-13,Credit card,,Other,,,,N/A,Web,2013-11-13,Closed with explanation,Yes,Yes,CR0596182,4132
2013-11-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-11-12,Closed with non-monetary relief,Yes,No,CR0595642,3835
2013-11-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-11-27,Closed with monetary relief,Yes,No,CR0596891,4693
2013-11-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-11-13,Closed with monetary relief,Yes,No,CR0595784,1620
2013-11-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-11-13,Closed with monetary relief,Yes,No,CR0596084,897
2013-11-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-11-13,Closed with monetary relief,Yes,No,CR0596157,7787
2013-11-12,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2013-11-11,Closed with explanation,Yes,No,CR0593735,3319
2013-11-12,Credit card,,Billing disputes,,,,N/A,Web,2013-11-12,Closed with explanation,Yes,Yes,CR0594897,4439
2013-11-12,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2013-11-12,Closed with monetary relief,Yes,No,CR0594735,2235
2013-11-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-11-12,Closed with explanation,Yes,Yes,CR0594839,3639
2013-11-12,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-11-11,Closed with explanation,Yes,No,CR0593719,1535
2013-11-12,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-11-12,Closed with monetary relief,Yes,No,CR0594360,4649
2013-11-11,Credit card,,APR or interest rate,,,,N/A,Web,2013-11-11,Closed with explanation,Yes,No,CR0592911,13955
2013-11-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-11-11,Closed with explanation,Yes,No,CR0592901,1603
2013-11-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-11-09,Closed with non-monetary relief,Yes,No,CR0592756,5245
2013-11-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-11-10,Closed with non-monetary relief,Yes,No,CR0592833,605
2013-11-09,Credit card,,Other,,,,N/A,Web,2013-11-09,Closed with explanation,Yes,No,CR0592660,3578
2013-11-08,Credit card,,Billing disputes,,,,N/A,Web,2013-11-08,Closed with explanation,Yes,No,CR0593147,1737
2013-11-08,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-11-18,Closed with explanation,Yes,No,CR0590887,4777
2013-11-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-11-08,Closed with explanation,Yes,No,CR0591517,3008
2013-11-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-11-08,Closed with explanation,Yes,No,CR0590900,2377
2013-11-07,Credit card,,Transaction issue,,,,N/A,Web,2013-11-06,Closed with explanation,Yes,No,CR0589524,4798
2013-11-07,Credit card,,Credit determination,,,,N/A,Web,2013-11-07,Closed with explanation,Yes,Yes,CR0590695,532
2013-11-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-11-07,Closed with explanation,Yes,No,CR0589563,2041
2013-11-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-11-06,Closed with explanation,Yes,Yes,CR0589035,11406
2013-11-07,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-11-07,Closed with non-monetary relief,Yes,No,CR0589561,343
2013-11-06,Credit card,,Payoff process,,,,N/A,Web,2013-11-06,Closed with explanation,Yes,No,CR0587518,1949
2013-11-06,Credit card,,Other,,,,N/A,Web,2013-11-06,Closed with explanation,Yes,Yes,CR0587677,3254
2013-11-06,Credit card,,Billing statement,,,"Older American, Servicemember",N/A,Web,2013-11-06,Closed with monetary relief,Yes,No,CR0588287,3330
2013-11-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-11-06,Closed with explanation,Yes,Yes,CR0587185,2291
2013-11-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-11-06,Closed with monetary relief,Yes,No,CR0588278,2322
2013-11-05,Credit card,,Other,,,,N/A,Web,2013-11-05,Closed with explanation,Yes,No,CR0585875,3634
2013-11-05,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Web,2013-11-05,Closed with explanation,Yes,No,CR0585577,2923
2013-11-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-11-05,Closed with explanation,Yes,Yes,CR0585878,3614
2013-11-05,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-11-05,Closed with monetary relief,Yes,No,CR0586665,3901
2013-11-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Web,2013-11-05,Closed with explanation,Yes,No,CR0586684,414
2013-11-04,Credit card,,Delinquent account,,,,N/A,Web,2013-11-14,Closed with explanation,Yes,No,CR0583563,67
2013-11-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-12-10,Closed with explanation,Yes,No,CR0584672,4086
2013-11-04,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-11-04,Closed,Yes,No,CR0584425,5275
2013-11-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-11-04,Closed with explanation,Yes,No,CR0584515,113
2013-11-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2013-11-13,Closed with explanation,Yes,No,CR0583416,2206
2013-11-04,Bank account or service,Other bank product/service,Using a debit or ATM card,,,Servicemember,N/A,Web,2013-11-04,Closed with explanation,Yes,No,CR0584234,138
2013-11-03,Credit card,,Late fee,,,,N/A,Web,2013-11-03,Closed with explanation,Yes,No,CR0582685,3985
2013-11-03,Credit card,,Transaction issue,,,Servicemember,N/A,Web,2013-11-03,Closed with explanation,Yes,Yes,CR0580790,2830
2013-11-03,Credit card,,Rewards,,,,N/A,Web,2013-11-07,Closed with explanation,Yes,No,CR0582615,2338
2013-11-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-11-03,Closed with explanation,Yes,No,CR0582651,1160
2013-11-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2013-11-03,Closed with explanation,Yes,No,CR0580956,311
2013-11-02,Credit card,,Late fee,,,,N/A,Web,2013-11-13,Closed with explanation,Yes,No,CR0582494,2304
2013-11-02,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-11-12,Closed with non-monetary relief,Yes,Yes,CR0582531,9755
2013-11-01,Credit card,,Application processing delay,,,,N/A,Web,2013-11-01,Closed with explanation,Yes,No,CR0580831,2882
2013-11-01,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-11-01,Closed with explanation,Yes,No,CR0583135,3380
2013-11-01,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-11-01,Closed with explanation,Yes,No,CR0582343,3427
2013-10-31,Credit card,,Rewards,,,,N/A,Web,2013-10-31,Closed with explanation,Yes,Yes,CR0579249,3979
2013-10-31,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2013-11-04,Closed with explanation,Yes,No,CR0579248,1628
2013-10-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-10-31,Closed with monetary relief,Yes,No,CR0579601,3207
2013-10-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-31,Closed with explanation,Yes,No,CR0579136,10159
2013-10-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-31,Closed with monetary relief,Yes,No,CR0580120,2307
2013-10-31,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-10-31,Closed with explanation,Yes,No,CR0579748,1268
2013-10-30,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-10-30,Closed with explanation,Yes,No,CR0577434,4408
2013-10-30,Credit card,,Billing disputes,,,Older American,N/A,Web,2013-11-13,Closed with explanation,Yes,No,CR0578361,2448
2013-10-30,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2013-10-30,Closed with monetary relief,Yes,Yes,CR0577141,386
2013-10-30,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2013-10-30,Closed with explanation,Yes,No,CR0577436,4151
2013-10-29,Credit card,,Billing statement,,,,N/A,Web,2013-10-29,Closed with explanation,Yes,No,CR0575851,3245
2013-10-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-29,Closed with explanation,Yes,No,CR0575939,7727
2013-10-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-10-29,Closed with explanation,Yes,No,CR0576427,4142
2013-10-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-10-28,Closed with monetary relief,Yes,No,CR0577043,2964
2013-10-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-10-29,Closed with monetary relief,Yes,No,CR0575199,1483
2013-10-29,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2013-10-29,Closed with explanation,Yes,No,CR0575286,2690
2013-10-28,Credit card,,Other,,,,N/A,Web,2013-10-28,Closed with explanation,Yes,No,CR0574270,3480
2013-10-28,Credit card,,APR or interest rate,,,,N/A,Web,2013-10-28,Closed with monetary relief,Yes,No,CR0574506,7
2013-10-28,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-10-28,Closed with non-monetary relief,Yes,Yes,CR0573170,1253
2013-10-28,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2013-10-28,Closed with explanation,Yes,No,CR0574268,843
2013-10-28,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-10-28,Closed with explanation,Yes,No,CR0573399,3668
2013-10-27,Credit card,,Late fee,,,,N/A,Web,2013-10-28,Closed with explanation,Yes,No,CR0572956,2421
2013-10-27,Credit card,,Billing disputes,,,,N/A,Web,2013-10-27,Closed with explanation,Yes,No,CR0572642,5859
2013-10-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-10-27,Closed with explanation,Yes,No,CR0572662,4481
2013-10-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-10-27,Closed,Yes,No,CR0572698,4527
2013-10-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-10-26,Closed with explanation,Yes,No,CR0572537,4215
2013-10-25,Credit card,,Billing disputes,,,,N/A,Web,2013-10-25,Closed with explanation,Yes,No,CR0571609,611
2013-10-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-10-25,Closed with monetary relief,Yes,No,CR0572162,667
2013-10-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-10-24,Closed with explanation,Yes,No,CR0571363,750
2013-10-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-10-24,Closed with explanation,Yes,No,CR0571381,4623
2013-10-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-10-25,Closed with explanation,Yes,Yes,CR0571603,3008
2013-10-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-10-25,Closed with monetary relief,Yes,Yes,CR0572454,4049
2013-10-24,Credit card,,Other,,,,N/A,Web,2013-10-28,Closed with explanation,Yes,No,CR0571073,4585
2013-10-24,Credit card,,Payoff process,,,,N/A,Web,2013-10-24,Closed with explanation,Yes,Yes,CR0569572,2040
2013-10-24,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2013-10-24,Closed with explanation,Yes,No,CR0569740,930
2013-10-24,Credit card,,Billing disputes,,,,N/A,Web,2013-10-24,Closed with explanation,Yes,No,CR0570405,829
2013-10-24,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2013-12-02,Closed with explanation,Yes,No,CR0570016,647
2013-10-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-10-29,Closed with explanation,Yes,No,CR0569596,3842
2013-10-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-10-23,Closed with explanation,Yes,No,CR0569601,477
2013-10-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-10-24,Closed with explanation,Yes,No,CR0570293,3466
2013-10-24,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-10-25,Closed with non-monetary relief,Yes,Yes,CR0570023,6749
2013-10-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-10-24,Closed with monetary relief,Yes,No,CR0569999,11906
2013-10-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-10-24,Closed with monetary relief,Yes,No,CR0570313,3114
2013-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-23,Closed with explanation,Yes,No,CR0568618,925
2013-10-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-10-23,Closed with explanation,Yes,No,CR0568739,5010
2013-10-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-10-23,Closed with explanation,Yes,Yes,CR0568759,2276
2013-10-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-10-24,Closed with explanation,Yes,No,CR0569021,2178
2013-10-22,Credit card,,Arbitration,,,,N/A,Web,2013-10-22,Closed with explanation,Yes,No,CR0566620,1165
2013-10-22,Credit card,,Delinquent account,,,,N/A,Web,2013-10-22,Closed with explanation,Yes,Yes,CR0567006,1497
2013-10-22,Credit card,,Billing statement,,,,N/A,Web,2013-10-22,Closed with explanation,Yes,No,CR0566321,4863
2013-10-22,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-10-21,Closed with explanation,Yes,No,CR0565837,4772
2013-10-22,Credit card,,Billing disputes,,,,N/A,Web,2013-10-22,Closed with monetary relief,Yes,No,CR0565999,5175
2013-10-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-10-23,Closed with monetary relief,Yes,Yes,CR0566955,1269
2013-10-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-10-23,Closed with non-monetary relief,Yes,Yes,CR0567578,853
2013-10-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-23,Closed with explanation,Yes,No,CR0565875,4770
2013-10-22,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2013-10-22,Closed with explanation,Yes,Yes,CR0566026,1449
2013-10-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-10-22,Closed with monetary relief,Yes,No,CR0566628,5965
2013-10-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-10-23,Closed with explanation,Yes,No,CR0567222,2603
2013-10-21,Credit card,,Billing statement,,,,N/A,Web,2013-10-22,Closed with explanation,Yes,No,CR0564948,114
2013-10-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-10-21,Closed with explanation,Yes,No,CR0564775,1040
2013-10-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-22,Closed with monetary relief,Yes,No,CR0565254,3000
2013-10-21,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2013-10-21,Closed with explanation,Yes,No,CR0564581,2020
2013-10-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-22,Closed with explanation,Yes,No,CR0565168,4633
2013-10-21,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Web,2013-10-21,Closed with explanation,Yes,No,CR0564757,4717
2013-10-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-22,Closed with non-monetary relief,Yes,No,CR0565288,120
2013-10-20,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-10-21,Closed with explanation,Yes,No,CR0564133,4739
2013-10-20,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-10-21,Closed with explanation,Yes,No,CR0564028,2469
2013-10-19,Credit card,,Rewards,,,,N/A,Web,2013-10-19,Closed with explanation,Yes,Yes,CR0562526,1419
2013-10-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-21,Closed with explanation,Yes,No,CR0563908,708
2013-10-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-21,Closed with explanation,Yes,Yes,CR0563865,1128
2013-10-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-10-21,Closed with monetary relief,Yes,No,CR0563799,608
2013-10-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-21,Closed with explanation,Yes,No,CR0563801,3519
2013-10-18,Credit card,,Bankruptcy,,,,N/A,Web,2013-10-21,Closed with explanation,Yes,Yes,CR0564428,59
2013-10-18,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Web,2013-10-21,Closed with monetary relief,Yes,No,CR0562536,1310
2013-10-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-10-21,Closed with monetary relief,Yes,No,CR0562590,4073
2013-10-18,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-10-21,Closed with explanation,Yes,Yes,CR0563755,5404
2013-10-17,Credit card,,Transaction issue,,,Older American,N/A,Web,2013-10-17,Closed with explanation,Yes,No,CR0561039,2626
2013-10-17,Credit card,,Billing disputes,,,,N/A,Web,2013-10-21,Closed with explanation,Yes,Yes,CR0561431,3071
2013-10-17,Credit card,,Other,,,,N/A,Web,2013-10-17,Closed with explanation,Yes,No,CR0561282,6551
2013-10-17,Credit card,,APR or interest rate,,,,N/A,Web,2013-10-17,Closed with explanation,Yes,No,CR0561724,4944
2013-10-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-17,Closed with explanation,Yes,No,CR0561375,719
2013-10-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-10-17,Closed with monetary relief,Yes,No,CR0561329,9417
2013-10-16,Credit card,,Billing disputes,,,,N/A,Web,2013-10-16,Closed with explanation,Yes,No,CR0560132,3799
2013-10-16,Credit card,,Advertising and marketing,,,,N/A,Web,2013-10-16,Closed with explanation,Yes,No,CR0560226,3492
2013-10-16,Credit card,,Payoff process,,,,N/A,Web,2013-10-17,Closed with monetary relief,Yes,No,CR0560377,11126
2013-10-16,Credit card,,Delinquent account,,,,N/A,Web,2013-10-21,Closed with explanation,Yes,Yes,CR0560621,9717
2013-10-16,Credit card,,Advertising and marketing,,,,N/A,Web,2013-10-16,Closed with explanation,Yes,No,CR0560904,2568
2013-10-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2013-10-16,Closed with monetary relief,Yes,Yes,CR0560204,929
2013-10-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-17,Closed with explanation,Yes,No,CR0560730,1811
2013-10-16,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-10-17,Closed with explanation,Yes,No,CR0560558,121
2013-10-16,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Web,2013-10-17,Closed with explanation,Yes,No,CR0560201,2436
2013-10-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-10-16,Closed with explanation,Yes,No,CR0559596,2312
2013-10-14,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-10-15,Closed with explanation,Yes,No,CR0558438,1825
2013-10-14,Credit card,,Other,,,,N/A,Web,2013-10-24,Closed with explanation,Yes,No,CR0557652,2845
2013-10-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-15,Closed with explanation,Yes,No,CR0558412,3860
2013-10-14,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-10-16,Closed with non-monetary relief,Yes,Yes,CR0558491,996
2013-10-13,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-10-15,Closed with explanation,Yes,Yes,CR0558646,641
2013-10-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-10-16,Closed with monetary relief,Yes,No,CR0558396,2656
2013-10-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-10-15,Closed with explanation,Yes,No,CR0558373,4055
2013-10-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-10-15,Closed with explanation,Yes,Yes,CR0558620,559
2013-10-12,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-10-22,Closed with explanation,Yes,No,CR0557549,1138
2013-10-12,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-10-15,Closed with non-monetary relief,Yes,No,CR0558352,4413
2013-10-11,Credit card,,Other,,,,N/A,Web,2013-10-11,Closed with explanation,Yes,No,CR0558113,4494
2013-10-11,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-10-11,Closed with explanation,Yes,No,CR0557764,3803
2013-10-11,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2013-10-11,Closed with monetary relief,Yes,Yes,CR0557736,4571
2013-10-11,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-10-11,Closed with explanation,Yes,No,CR0557817,5046
2013-10-11,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-10-15,Closed with explanation,Yes,No,CR0558037,5016
2013-10-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-10-15,Closed with monetary relief,Yes,No,CR0557576,747
2013-10-11,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-10-11,Closed with explanation,No,No,CR0557734,3811
2013-10-10,Credit card,,Credit line increase/decrease,,,Older American,N/A,Web,2013-10-10,Closed with explanation,Yes,No,CR0557188,2480
2013-10-10,Credit card,,Billing disputes,,,,N/A,Web,2013-10-10,Closed with explanation,Yes,No,CR0557144,13102
2013-10-10,Credit card,,Other,,,,N/A,Web,2013-10-10,Closed with explanation,Yes,No,CR0556677,3779
2013-10-10,Credit card,,Billing disputes,,,,N/A,Web,2013-10-11,Closed with explanation,Yes,No,CR0557081,163
2013-10-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-10-10,Closed with monetary relief,Yes,No,CR0556750,1047
2013-10-10,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-10-11,Closed with explanation,Yes,Yes,CR0556889,3764
2013-10-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-11,Closed with monetary relief,Yes,No,CR0556909,3683
2013-10-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-10-11,Closed with monetary relief,Yes,No,CR0557246,2418
2013-10-10,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2013-10-11,Closed with explanation,Yes,No,CR0556913,855
2013-10-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-10-11,Closed with monetary relief,Yes,No,CR0557063,1000
2013-10-09,Credit card,,Other,,,,N/A,Web,2013-10-09,Closed with explanation,Yes,No,CR0555955,2448
2013-10-09,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-10-10,Closed with explanation,Yes,Yes,CR0555740,993
2013-10-09,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-10-08,Closed with explanation,Yes,No,CR0555881,3368
2013-10-09,Credit card,,Other,,,,N/A,Web,2013-10-09,Closed with explanation,Yes,Yes,CR0555906,939
2013-10-09,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2013-10-09,Closed with explanation,Yes,Yes,CR0556428,1983
2013-10-09,Credit card,,Billing disputes,,,,N/A,Web,2013-10-09,Closed with explanation,Yes,No,CR0556285,3631
2013-10-09,Credit card,,Other,,,,N/A,Web,2013-10-09,Closed with explanation,Yes,Yes,CR0556341,4033
2013-10-09,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-10-09,Closed with monetary relief,Yes,No,CR0555903,1554
2013-10-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-10-08,Closed with explanation,Yes,No,CR0554686,2407
2013-10-08,Credit card,,Other,,,,N/A,Web,2013-10-08,Closed with explanation,Yes,No,CR0555488,4682
2013-10-08,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-10-07,Closed with non-monetary relief,Yes,No,CR0554778,783
2013-10-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-10-08,Closed with explanation,Yes,No,CR0554913,7010
2013-10-08,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-10-08,Closed with explanation,Yes,No,CR0554779,172
2013-10-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-10-09,Closed with explanation,Yes,Yes,CR0555428,408
2013-10-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-10-08,Closed with explanation,Yes,No,CR0554985,1056
2013-10-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-09,Closed with explanation,Yes,No,CR0555417,3925
2013-10-07,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-10-07,Closed with explanation,Yes,Yes,CR0553710,2039
2013-10-07,Credit card,,Late fee,,,,N/A,Web,2013-10-07,Closed with explanation,Yes,No,CR0553584,3166
2013-10-07,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2013-10-10,Closed with explanation,Yes,No,CR0553806,3072
2013-10-06,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2013-10-06,Closed with explanation,Yes,No,CR0553210,1944
2013-10-06,Credit card,,Other,,,,N/A,Web,2013-10-09,Closed with explanation,Yes,No,CR0553175,3427
2013-10-06,Bank account or service,Other bank product/service,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Web,2013-10-07,Closed with monetary relief,Yes,No,CR0553239,46
2013-10-06,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-10-07,Closed with explanation,Yes,No,CR0553198,2679
2013-10-05,Credit card,,Delinquent account,,,,N/A,Web,2013-10-05,Closed with explanation,Yes,No,CR0553161,1092
2013-10-05,Credit card,,Credit line increase/decrease,,,,N/A,Web,2013-10-05,Closed with explanation,Yes,No,CR0553115,4435
2013-10-05,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-10-05,Closed with explanation,Yes,No,CR0553156,3454
2013-10-05,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-10-05,Closed with explanation,Yes,No,CR0553159,185
2013-10-04,Credit card,,Other,,,,N/A,Web,2013-10-17,Closed with explanation,Yes,No,CR0552558,2941
2013-10-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-10-04,Closed with explanation,Yes,No,CR0552579,4272
2013-10-04,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2013-10-07,Closed with monetary relief,Yes,Yes,CR0553240,4496
2013-10-03,Credit card,,Other fee,,,Older American,N/A,Web,2013-10-03,Closed with non-monetary relief,Yes,No,CR0552004,747
2013-10-03,Credit card,,Other,,,,N/A,Web,2013-10-03,Closed with explanation,Yes,Yes,CR0552354,3748
2013-10-03,Credit card,,Sale of account,,,,N/A,Web,2013-10-03,Closed with explanation,Yes,No,CR0551829,263
2013-10-03,Credit card,,Other,,,Older American,N/A,Web,2013-10-03,Closed with explanation,Yes,No,CR0551971,1278
2013-10-03,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2013-10-04,Closed with monetary relief,Yes,No,CR0551638,3431
2013-10-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-09,Closed with explanation,Yes,No,CR0551348,2066
2013-10-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-10-04,Closed with explanation,Yes,No,CR0551983,3334
2013-10-02,Credit card,,Billing disputes,,,,N/A,Web,2013-10-02,Closed with explanation,Yes,Yes,CR0550281,1397
2013-10-02,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2013-10-03,Closed with explanation,Yes,Yes,CR0551068,2611
2013-10-02,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-10-03,Closed with non-monetary relief,Yes,No,CR0550366,4220
2013-10-01,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2013-10-02,Closed with explanation,Yes,Yes,CR0549949,2775
2013-10-01,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2013-10-02,Closed with explanation,Yes,Yes,CR0549954,2018
2013-10-01,Credit card,,Other,,,,N/A,Web,2013-10-01,Closed with explanation,Yes,Yes,CR0549134,4606
2013-10-01,Credit card,,Credit line increase/decrease,,,,N/A,Web,2013-10-03,Closed with explanation,Yes,No,CR0549866,994
2013-10-01,Credit card,,Delinquent account,,,,N/A,Web,2013-10-01,Closed with explanation,Yes,No,CR0549553,13051
2013-10-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-10-02,Closed with monetary relief,Yes,Yes,CR0549449,9760
2013-10-01,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-10-18,Closed with explanation,No,No,CR0549201,2028
2013-09-30,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-10-01,Closed with explanation,Yes,No,CR0548154,6691
2013-09-30,Credit card,,Other,,,,N/A,Web,2013-10-02,Closed with explanation,Yes,No,CR0547298,3196
2013-09-30,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-10-01,Closed with monetary relief,Yes,No,CR0548598,1407
2013-09-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-10-01,Closed with monetary relief,Yes,No,CR0547548,4808
2013-09-29,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2013-09-30,Closed with explanation,Yes,Yes,CR0546789,4666
2013-09-28,Credit card,,Other,,,,N/A,Web,2013-10-17,Closed with explanation,Yes,No,CR0546518,1106
2013-09-28,Credit card,,Other,,,Older American,N/A,Web,2013-09-28,Closed with explanation,Yes,No,CR0546567,6829
2013-09-28,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-09-28,Closed,Yes,No,CR0546569,375
2013-09-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-30,Closed with explanation,Yes,No,CR0546371,4094
2013-09-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-30,Closed with explanation,Yes,Yes,CR0546376,1664
2013-09-27,Credit card,,Billing disputes,,,,N/A,Web,2013-09-27,Closed with non-monetary relief,Yes,No,CR0545199,4289
2013-09-27,Credit card,,Billing disputes,,,Servicemember,N/A,Web,2013-09-27,Closed with explanation,Yes,No,CR0545381,2709
2013-09-27,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-09-30,Closed with explanation,Yes,Yes,CR0545989,4340
2013-09-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-10-01,Closed with explanation,Yes,No,CR0546725,1226
2013-09-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2013-09-30,Closed with monetary relief,Yes,No,CR0545863,3701
2013-09-26,Credit card,,Late fee,,,Older American,N/A,Web,2013-09-26,Closed with explanation,Yes,No,CR0543257,4531
2013-09-26,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-10-01,Closed with explanation,Yes,Yes,CR0544932,1572
2013-09-26,Credit card,,Delinquent account,,,,N/A,Web,2013-09-26,Closed with explanation,Yes,No,CR0545130,2290
2013-09-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-10-01,Closed with explanation,Yes,Yes,CR0544037,1630
2013-09-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-09-27,Closed with monetary relief,Yes,No,CR0544389,280
2013-09-26,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2013-09-26,Closed with explanation,Yes,No,CR0543305,1502
2013-09-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-26,Closed with monetary relief,Yes,No,CR0543615,1974
2013-09-25,Credit card,,Bankruptcy,,,,N/A,Web,2013-10-01,Closed with non-monetary relief,Yes,Yes,CR0541392,1533
2013-09-25,Credit card,,Delinquent account,,,,N/A,Web,2013-09-25,Closed with explanation,Yes,Yes,CR0543034,1371
2013-09-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-09-26,Closed with monetary relief,Yes,No,CR0541577,1768
2013-09-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-26,Closed with explanation,Yes,No,CR0541856,4325
2013-09-25,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Web,2013-09-26,Closed with monetary relief,Yes,No,CR0542537,7843
2013-09-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-25,Closed with explanation,Yes,No,CR0541416,8105
2013-09-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-09-25,Closed with explanation,Yes,No,CR0541983,1850
2013-09-24,Credit card,,Delinquent account,,,,N/A,Web,2013-09-25,Closed with explanation,Yes,No,CR0541172,9236
2013-09-24,Credit card,,Billing disputes,,,,N/A,Web,2013-09-24,Closed with non-monetary relief,Yes,Yes,CR0540635,2188
2013-09-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-09-25,Closed with explanation,Yes,No,CR0539826,1238
2013-09-24,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-09-24,Closed with explanation,Yes,No,CR0539483,1801
2013-09-24,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-09-25,Closed with non-monetary relief,Yes,Yes,CR0539866,627
2013-09-24,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-09-25,Closed with explanation,Yes,No,CR0540026,1862
2013-09-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-25,Closed with explanation,Yes,No,CR0540325,4101
2013-09-23,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-09-22,Closed,Yes,No,CR0537822,799
2013-09-23,Credit card,,Other,,,Older American,N/A,Web,2013-09-23,Closed with explanation,Yes,No,CR0537765,265
2013-09-23,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2013-09-22,Closed with explanation,Yes,No,CR0539010,1786
2013-09-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-09-23,Closed with monetary relief,Yes,No,CR0537877,2332
2013-09-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-09-24,Closed with explanation,Yes,No,CR0537973,11491
2013-09-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-25,Closed with explanation,Yes,No,CR0537993,2197
2013-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-24,Closed with explanation,Yes,No,CR0538628,3594
2013-09-22,Credit card,,Other,,,,N/A,Web,2013-09-22,Closed with explanation,Yes,Yes,CR0537612,2429
2013-09-22,Credit card,,Payoff process,,,,N/A,Web,2013-09-22,Closed with non-monetary relief,Yes,Yes,CR0537750,2545
2013-09-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-09-24,Closed with explanation,Yes,No,CR0537150,4365
2013-09-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-24,Closed with non-monetary relief,Yes,No,CR0537604,166
2013-09-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-24,Closed with explanation,Yes,No,CR0537143,4531
2013-09-22,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Web,2013-09-23,Closed with explanation,Yes,No,CR0537219,11136
2013-09-21,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-09-21,Closed with explanation,Yes,No,CR0537052,2676
2013-09-21,Credit card,,Other fee,,,,N/A,Web,2013-09-20,Closed with monetary relief,Yes,No,CR0536944,2371
2013-09-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-23,Closed with explanation,Yes,No,CR0537093,6175
2013-09-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-23,Closed with explanation,Yes,Yes,CR0535629,4956
2013-09-20,Credit card,,Rewards,,,,N/A,Web,2013-10-11,Closed with explanation,Yes,No,CR0535892,4755
2013-09-20,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2013-09-20,Closed with explanation,Yes,No,CR0536008,4028
2013-09-20,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-09-20,Closed with explanation,Yes,Yes,CR0537751,649
2013-09-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-09-23,Closed with monetary relief,Yes,No,CR0536828,1221
2013-09-19,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2013-09-19,Closed with explanation,Yes,No,CR0534204,1693
2013-09-19,Credit card,,Other,,,,N/A,Web,2013-09-19,Closed with explanation,Yes,Yes,CR0534824,1158
2013-09-19,Credit card,,Billing disputes,,,,N/A,Web,2013-10-15,Closed with explanation,Yes,No,CR0534435,1497
2013-09-19,Credit card,,APR or interest rate,,,,N/A,Web,2013-09-19,Closed with explanation,Yes,Yes,CR0534221,745
2013-09-19,Credit card,,Transaction issue,,,,N/A,Web,2013-09-19,Closed with explanation,Yes,No,CR0534703,2131
2013-09-19,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2013-09-19,Closed with explanation,Yes,No,CR0535071,3774
2013-09-19,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-09-19,Closed with explanation,Yes,No,CR0533867,4353
2013-09-19,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-10-10,Closed with explanation,Yes,No,CR0535104,3518
2013-09-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-19,Closed with explanation,Yes,No,CR0535238,2414
2013-09-19,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-09-19,Closed with explanation,Yes,No,CR0533913,1642
2013-09-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-20,Closed with explanation,Yes,No,CR0534952,1247
2013-09-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-09-19,Closed with explanation,Yes,No,CR0533906,305
2013-09-18,Credit card,,Billing disputes,,,,N/A,Web,2013-09-18,Closed with explanation,Yes,No,CR0532725,11545
2013-09-18,Credit card,,Credit determination,,,,N/A,Web,2013-09-17,Closed with explanation,Yes,No,CR0533679,2030
2013-09-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-18,Closed with non-monetary relief,Yes,No,CR0531942,4708
2013-09-18,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-09-19,Closed with explanation,Yes,No,CR0532873,12095
2013-09-18,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-09-19,Closed with explanation,Yes,Yes,CR0532426,4333
2013-09-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-19,Closed with explanation,Yes,No,CR0532551,3249
2013-09-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-19,Closed with explanation,Yes,Yes,CR0533190,3821
2013-09-18,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-09-19,Closed with monetary relief,Yes,No,CR0532815,7412
2013-09-18,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-09-19,Closed with explanation,Yes,No,CR0532075,3232
2013-09-17,Credit card,,Billing statement,,,Older American,N/A,Web,2013-09-17,Closed with explanation,Yes,No,CR0531858,5273
2013-09-17,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2013-09-17,Closed with explanation,Yes,No,CR0531877,3369
2013-09-17,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-09-17,Closed with explanation,Yes,No,CR0531866,2683
2013-09-17,Credit card,,Billing disputes,,,,N/A,Web,2013-09-17,Closed with explanation,Yes,No,CR0531822,1543
2013-09-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-18,Closed with explanation,Yes,No,CR0530499,1756
2013-09-16,Credit card,,Payoff process,,,Older American,N/A,Web,2013-09-17,Closed with explanation,Yes,Yes,CR0528578,9273
2013-09-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-09-17,Closed with explanation,Yes,No,CR0529450,2406
2013-09-16,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-09-17,Closed with non-monetary relief,Yes,No,CR0528944,3366
2013-09-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-17,Closed with monetary relief,Yes,No,CR0528890,2986
2013-09-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-18,Closed with explanation,Yes,No,CR0529496,566
2013-09-16,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Web,2013-09-17,Closed with monetary relief,Yes,No,CR0529479,10636
2013-09-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-17,Closed with explanation,Yes,No,CR0528432,3296
2013-09-16,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-09-17,Closed with explanation,Yes,Yes,CR0530081,2570
2013-09-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-17,Closed with explanation,Yes,Yes,CR0529348,2607
2013-09-15,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-09-17,Closed with monetary relief,Yes,No,CR0526402,4516
2013-09-15,Credit card,,Billing disputes,,,,N/A,Web,2013-09-17,Closed with explanation,Yes,Yes,CR0526713,5354
2013-09-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-09-16,Closed with explanation,Yes,No,CR0526507,3508
2013-09-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-09-16,Closed with monetary relief,Yes,No,CR0526491,478
2013-09-14,Credit card,,Billing statement,,,,N/A,Web,2013-09-17,Closed with explanation,Yes,Yes,CR0526325,2304
2013-09-14,Credit card,,Other,,,Older American,N/A,Web,2013-09-16,Closed with explanation,Yes,Yes,CR0526339,6619
2013-09-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-17,Closed with explanation,Yes,No,CR0526280,11380
2013-09-14,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Web,2013-09-16,Closed with monetary relief,Yes,No,CR0526324,1202
2013-09-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-09-17,Closed with monetary relief,Yes,No,CR0526609,5704
2013-09-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-09-16,Closed with monetary relief,Yes,No,CR0526561,1763
2013-09-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-17,Closed with explanation,Yes,No,CR0526603,12328
2013-09-13,Credit card,,Credit line increase/decrease,,,Older American,N/A,Web,2013-09-15,Closed with explanation,Yes,No,CR0527162,3049
2013-09-13,Credit card,,Late fee,,,,N/A,Web,2013-09-15,Closed with explanation,Yes,Yes,CR0527202,4665
2013-09-13,Credit card,,Billing disputes,,,,N/A,Web,2013-09-15,Closed with monetary relief,Yes,No,CR0527404,540
2013-09-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-13,Closed with explanation,Yes,Yes,CR0527150,11978
2013-09-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-13,Closed with explanation,Yes,Yes,CR0527146,3972
2013-09-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-09-17,Closed with monetary relief,Yes,No,CR0527345,4015
2013-09-13,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-09-16,Closed with monetary relief,Yes,No,CR0526929,2228
2013-09-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-09-17,Closed with non-monetary relief,Yes,No,CR0528158,9820
2013-09-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-13,Closed with explanation,Yes,No,CR0526689,2777
2013-09-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-16,Closed with explanation,Yes,Yes,CR0528068,4582
2013-09-12,Credit card,,Billing statement,,,,N/A,Web,2013-09-13,Closed with monetary relief,Yes,No,CR0525528,716
2013-09-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-09-13,Closed with explanation,Yes,Yes,CR0525585,497
2013-09-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-12,Closed with explanation,Yes,Yes,CR0525024,4862
2013-09-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-20,Closed with explanation,Yes,No,CR0525082,3185
2013-09-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-12,Closed with non-monetary relief,Yes,No,CR0525215,1294
2013-09-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-13,Closed with monetary relief,Yes,No,CR0525727,2330
2013-09-11,Credit card,,Billing disputes,,,,N/A,Web,2013-09-11,Closed with explanation,Yes,No,CR0523155,215
2013-09-11,Credit card,,Credit determination,,,,N/A,Web,2013-09-13,Closed with explanation,Yes,No,CR0523060,9417
2013-09-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-09-11,Closed with monetary relief,Yes,No,CR0522700,23
2013-09-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-12,Closed with explanation,Yes,Yes,CR0523602,1837
2013-09-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-12,Closed with explanation,Yes,No,CR0522835,365
2013-09-10,Credit card,,Billing statement,,,,N/A,Web,2013-09-14,Closed with explanation,Yes,No,CR0521675,5788
2013-09-10,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-09-14,Closed with explanation,Yes,No,CR0522412,3289
2013-09-10,Credit card,,Late fee,,,,N/A,Web,2013-09-14,Closed with explanation,Yes,No,CR0522417,12730
2013-09-10,Credit card,,Rewards,,,,N/A,Web,2013-09-19,Closed with explanation,Yes,No,CR0521360,4862
2013-09-10,Credit card,,Credit determination,,,,N/A,Web,2013-09-14,Closed with explanation,Yes,No,CR0522137,3383
2013-09-10,Credit card,,Bankruptcy,,,,N/A,Web,2013-09-11,Closed with explanation,Yes,No,CR0522194,4084
2013-09-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-10,Closed with explanation,Yes,No,CR0521543,144
2013-09-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-09-11,Closed with explanation,Yes,No,CR0522523,745
2013-09-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-11,Closed with explanation,Yes,No,CR0521364,4298
2013-09-09,Credit card,,Transaction issue,,,,N/A,Web,2013-09-13,Closed with non-monetary relief,Yes,No,CR0519969,822
2013-09-09,Credit card,,Other,,,,N/A,Web,2013-09-14,Closed with explanation,Yes,No,CR0520602,1685
2013-09-09,Credit card,,Billing disputes,,,,N/A,Web,2013-10-01,Closed with explanation,Yes,No,CR0520508,662
2013-09-09,Credit card,,Billing disputes,,,,N/A,Web,2013-10-03,Closed with explanation,Yes,No,CR0520507,3930
2013-09-09,Credit card,,Cash advance fee,,,,N/A,Web,2013-09-13,Closed with monetary relief,Yes,No,CR0519643,1292
2013-09-09,Credit card,,Other,,,Older American,N/A,Web,2013-09-13,Closed with explanation,Yes,No,CR0519791,838
2013-09-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-09,Closed with explanation,Yes,No,CR0519911,5354
2013-09-08,Credit card,,Other,,,,N/A,Web,2013-09-13,Closed with explanation,Yes,Yes,CR0517825,2761
2013-09-08,Credit card,,Billing disputes,,,,N/A,Web,2013-09-13,Closed with explanation,Yes,No,CR0518937,29
2013-09-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-09-09,Closed with explanation,Yes,No,CR0518866,3877
2013-09-07,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2013-09-09,Closed with explanation,Yes,No,CR0518196,3965
2013-09-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-09-09,Closed with non-monetary relief,Yes,Yes,CR0518621,6944
2013-09-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-09,Closed with monetary relief,Yes,No,CR0518643,4015
2013-09-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-09-09,Closed with monetary relief,Yes,No,CR0518642,12397
2013-09-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-09-09,Closed,Yes,No,CR0518788,2122
2013-09-06,Credit card,,Transaction issue,,,,N/A,Web,2013-09-05,Closed with explanation,Yes,No,CR0517354,11266
2013-09-06,Credit card,,Delinquent account,,,,N/A,Web,2013-09-06,Closed with explanation,Yes,No,CR0517959,839
2013-09-06,Credit card,,Other,,,,N/A,Web,2013-09-06,Closed with explanation,Yes,No,CR0518304,1962
2013-09-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2013-09-06,Closed with monetary relief,Yes,No,CR0517356,4756
2013-09-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-09,Closed with non-monetary relief,Yes,No,CR0518509,3900
2013-09-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-06,Closed with explanation,Yes,No,CR0517328,3660
2013-09-05,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,N/A,Web,2013-09-05,Closed,Yes,No,CR0516039,2539
2013-09-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-09-06,Closed with explanation,Yes,No,CR0515810,272
2013-09-05,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Web,2013-09-06,Closed with explanation,Yes,Yes,CR0516136,3144
2013-09-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-06,Closed with explanation,Yes,No,CR0515583,586
2013-09-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-09-06,Closed with explanation,Yes,Yes,CR0516085,9450
2013-09-04,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2013-09-04,Closed with non-monetary relief,Yes,No,CR0514760,1287
2013-09-04,Credit card,,Rewards,,,,N/A,Web,2013-09-04,Closed with explanation,Yes,No,CR0514197,2767
2013-09-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-05,Closed,Yes,Yes,CR0513810,1768
2013-09-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-06,Closed with monetary relief,Yes,No,CR0513892,10639
2013-09-04,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2013-09-04,Closed with explanation,Yes,No,CR0513714,997
2013-09-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-09-05,Closed with monetary relief,Yes,No,CR0514629,3247
2013-09-03,Credit card,,Rewards,,,,N/A,Web,2013-09-03,Closed with explanation,Yes,No,CR0513206,2547
2013-09-03,Credit card,,Billing disputes,,,,N/A,Web,2013-09-03,Closed with explanation,Yes,No,CR0512675,3659
2013-09-03,Credit card,,Transaction issue,,,,N/A,Web,2013-09-03,Closed with explanation,Yes,No,CR0513523,2103
2013-09-03,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2013-09-04,Closed with non-monetary relief,Yes,No,CR0512939,1229
2013-09-03,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-09-04,Closed with non-monetary relief,Yes,No,CR0513329,246
2013-09-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-04,Closed with explanation,Yes,No,CR0513432,4790
2013-09-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-09-04,Closed with explanation,Yes,No,CR0512509,4255
2013-09-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-03,Closed with explanation,Yes,No,CR0512597,3931
2013-09-01,Credit card,,Privacy,,,,N/A,Web,2013-09-01,Closed with explanation,Yes,Yes,CR0511542,12133
2013-09-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-09-03,Closed with non-monetary relief,Yes,No,CR0511531,3610
2013-08-31,Credit card,,Convenience checks,,,,N/A,Web,2013-08-31,Closed with explanation,Yes,No,CR0510019,4680
2013-08-31,Credit card,,Transaction issue,,,,N/A,Web,2013-08-30,Closed with monetary relief,Yes,Yes,CR0511399,2769
2013-08-31,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Web,2013-09-03,Closed with explanation,Yes,No,CR0511446,709
2013-08-30,Credit card,,Billing statement,,,,N/A,Web,2013-08-30,Closed with explanation,Yes,No,CR0511307,229
2013-08-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-08-30,Closed with monetary relief,Yes,Yes,CR0511651,1015
2013-08-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-09-03,Closed with explanation,Yes,Yes,CR0510778,2023
2013-08-30,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-09-03,Closed with monetary relief,Yes,No,CR0510609,1237
2013-08-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-08-30,Closed with monetary relief,Yes,No,CR0510357,4522
2013-08-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-08-29,Closed with explanation,Yes,No,CR0509157,3414
2013-08-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-08-29,Closed with explanation,Yes,Yes,CR0506062,1446
2013-08-28,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-08-29,Closed with explanation,Yes,No,CR0506748,3753
2013-08-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-08-27,Closed with explanation,Yes,Yes,CR0505928,333
2013-08-27,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2013-08-27,Closed with explanation,Yes,No,CR0501279,1977
2013-08-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-08-28,Closed with explanation,Yes,Yes,CR0505309,3408
2013-08-26,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-08-26,Closed with explanation,Yes,No,CR0504555,7112
2013-08-26,Credit card,,Balance transfer fee,,,,N/A,Web,2013-08-25,Closed with explanation,Yes,No,CR0503823,591
2013-08-26,Credit card,,Other,,,,N/A,Web,2013-08-26,Closed with explanation,Yes,Yes,CR0501170,5362
2013-08-26,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-08-26,Closed with explanation,Yes,No,CR0501300,4156
2013-08-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-28,Closed with explanation,Yes,No,CR0504304,3712
2013-08-26,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-08-26,Closed with explanation,Yes,No,CR0503812,4199
2013-08-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-08-27,Closed with explanation,Yes,No,CR0504754,519
2013-08-25,Credit card,,Delinquent account,,,,N/A,Web,2013-08-25,Closed with explanation,Yes,Yes,CR0503800,1514
2013-08-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-08-24,Closed with non-monetary relief,Yes,No,CR0503285,425
2013-08-24,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-08-23,Closed with explanation,Yes,Yes,CR0503253,5977
2013-08-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-08-26,Closed with non-monetary relief,Yes,No,CR0503299,808
2013-08-23,Credit card,,APR or interest rate,,,,N/A,Web,2013-08-23,Closed with non-monetary relief,Yes,No,CR0502142,2372
2013-08-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-08-26,Closed with explanation,Yes,Yes,CR0502917,40
2013-08-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-23,Closed with non-monetary relief,Yes,No,CR0502081,7594
2013-08-23,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-08-23,Closed with explanation,Yes,No,CR0508107,7112
2013-08-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-08-26,Closed with explanation,Yes,No,CR0501945,4592
2013-08-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-08-26,Closed with non-monetary relief,Yes,No,CR0503220,998
2013-08-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-08-22,Closed with monetary relief,Yes,No,CR0500017,3939
2013-08-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-22,Closed with explanation,Yes,No,CR0500052,4743
2013-08-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-08-23,Closed with explanation,Yes,No,CR0499514,3262
2013-08-21,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2013-08-22,Closed with explanation,Yes,Yes,CR0499603,4143
2013-08-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-08-22,Closed with explanation,Yes,No,CR0499732,498
2013-08-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-08-22,Closed with explanation,Yes,No,CR0499183,4210
2013-08-20,Credit card,,Credit line increase/decrease,,,,N/A,Web,2013-08-20,Closed with explanation,Yes,No,CR0496984,3436
2013-08-20,Credit card,,Billing disputes,,,,N/A,Web,2013-08-20,Closed with explanation,Yes,No,CR0497194,1222
2013-08-20,Credit card,,Convenience checks,,,,N/A,Web,2013-08-20,Closed with non-monetary relief,Yes,Yes,CR0497778,343
2013-08-20,Credit card,,Other,,,Older American,N/A,Web,2013-08-20,Closed with explanation,Yes,No,CR0497799,1039
2013-08-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-08-20,Closed with explanation,Yes,No,CR0497075,38
2013-08-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-08-21,Closed with monetary relief,Yes,No,CR0497570,2043
2013-08-19,Credit card,,Arbitration,,,,N/A,Web,2013-08-19,Closed with explanation,Yes,No,CR0495665,1152
2013-08-19,Credit card,,Billing disputes,,,Older American,N/A,Web,2013-08-19,Closed with monetary relief,Yes,No,CR0495676,4799
2013-08-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-20,Closed with explanation,Yes,No,CR0495972,3895
2013-08-19,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-08-20,Closed with explanation,Yes,No,CR0495537,8666
2013-08-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-08-20,Closed with explanation,Yes,No,CR0496119,4693
2013-08-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Web,2013-08-21,Closed with monetary relief,Yes,No,CR0495791,4211
2013-08-18,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-08-18,Closed with explanation,Yes,No,CR0494674,1127
2013-08-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-08-19,Closed with explanation,Yes,No,CR0494633,4886
2013-08-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-09-06,Closed with monetary relief,Yes,No,CR0493106,2109
2013-08-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-08-19,Closed with explanation,Yes,No,CR0494595,11461
2013-08-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-08-19,Closed with explanation,Yes,No,CR0494598,3521
2013-08-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-08-20,Closed with non-monetary relief,Yes,No,CR0494467,2497
2013-08-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-08-19,Closed with non-monetary relief,Yes,No,CR0494575,2779
2013-08-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-08-19,Closed with monetary relief,Yes,No,CR0494509,10287
2013-08-16,Credit card,,Billing disputes,,,,N/A,Web,2013-08-16,Closed with explanation,Yes,No,CR0494357,11516
2013-08-16,Credit card,,Transaction issue,,,,N/A,Web,2013-08-16,Closed with explanation,Yes,Yes,CR0493478,1554
2013-08-16,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-08-19,Closed with explanation,Yes,No,CR0493623,2587
2013-08-16,Credit card,,Other,,,,N/A,Web,2013-08-16,Closed with non-monetary relief,Yes,Yes,CR0494379,2424
2013-08-15,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2013-08-15,Closed with explanation,Yes,No,CR0490030,4258
2013-08-15,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-08-15,Closed with monetary relief,Yes,Yes,CR0490471,8667
2013-08-15,Credit card,,Cash advance,,,,N/A,Web,2013-08-14,Closed with explanation,Yes,Yes,CR0489841,3638
2013-08-15,Credit card,,Other,,,,N/A,Web,2013-08-15,Closed with monetary relief,Yes,No,CR0490142,4236
2013-08-15,Credit card,,APR or interest rate,,,,N/A,Web,2013-08-19,Closed with explanation,Yes,No,CR0490699,4025
2013-08-14,Credit card,,Convenience checks,,,,N/A,Web,2013-08-13,Closed with explanation,Yes,No,CR0492036,5277
2013-08-14,Credit card,,Late fee,,,,N/A,Web,2013-08-20,Closed with monetary relief,Yes,No,CR0492446,4836
2013-08-14,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-08-16,Closed with monetary relief,Yes,No,CR0489023,4615
2013-08-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-08-16,Closed with monetary relief,Yes,No,CR0489568,4477
2013-08-13,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-08-13,Closed with explanation,Yes,No,CR0491592,2908
2013-08-13,Credit card,,Billing disputes,,,,N/A,Web,2013-08-14,Closed with explanation,Yes,No,CR0491426,775
2013-08-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-14,Closed with explanation,Yes,Yes,CR0491296,1242
2013-08-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-14,Closed with explanation,Yes,No,CR0491410,225
2013-08-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-13,Closed with explanation,Yes,Yes,CR0491421,2167
2013-08-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-13,Closed with explanation,Yes,No,CR0491422,4246
2013-08-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-14,Closed with explanation,Yes,No,CR0491644,3267
2013-08-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-14,Closed with monetary relief,Yes,No,CR0491833,7412
2013-08-12,Credit card,,Other,,,Older American,N/A,Web,2013-08-11,Closed with monetary relief,Yes,No,CR0487188,389
2013-08-12,Credit card,,Convenience checks,,,,N/A,Web,2013-08-12,Closed with non-monetary relief,Yes,Yes,CR0487551,383
2013-08-12,Credit card,,Billing statement,,,"Older American, Servicemember",N/A,Web,2013-08-12,Closed with non-monetary relief,Yes,No,CR0488334,1200
2013-08-12,Credit card,,Other,,,,N/A,Web,2013-08-13,Closed with explanation,Yes,No,CR0487947,1549
2013-08-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-13,Closed with non-monetary relief,Yes,No,CR0488023,98
2013-08-11,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-08-13,Closed with explanation,Yes,No,CR0486492,2355
2013-08-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-08-14,Closed with monetary relief,Yes,No,CR0486898,4214
2013-08-10,Credit card,,Transaction issue,,,Older American,N/A,Web,2013-08-27,Closed with monetary relief,Yes,No,CR0486364,3096
2013-08-10,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-08-10,Closed with explanation,Yes,No,CR0486450,1819
2013-08-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-13,Closed with explanation,Yes,No,CR0486421,3974
2013-08-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-08-14,Closed with non-monetary relief,Yes,No,CR0486395,4242
2013-08-09,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-08-12,Closed with monetary relief,Yes,No,CR0485835,581
2013-08-08,Credit card,,Other,,,,N/A,Web,2013-08-08,Closed with explanation,Yes,Yes,CR0484206,4853
2013-08-08,Credit card,,Other,,,,N/A,Web,2013-08-08,Closed with explanation,Yes,No,CR0482717,2728
2013-08-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-12,Closed with explanation,Yes,No,CR0483361,8571
2013-08-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-08-13,Closed with explanation,Yes,No,CR0483423,4100
2013-08-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-08-12,Closed with explanation,Yes,No,CR0483682,4096
2013-08-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-12,Closed with explanation,Yes,No,CR0483136,679
2013-08-08,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2013-08-13,Closed with explanation,Yes,No,CR0482790,2806
2013-08-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-08-12,Closed with explanation,Yes,No,CR0483085,3925
2013-08-07,Credit card,,Billing disputes,,,,N/A,Web,2013-08-07,Closed with monetary relief,Yes,No,CR0493187,3771
2013-08-07,Credit card,,Bankruptcy,,,,N/A,Web,2013-08-07,Closed with explanation,Yes,No,CR0498169,3211
2013-08-07,Credit card,,Billing disputes,,,,N/A,Web,2013-08-08,Closed with non-monetary relief,Yes,No,CR0482577,1213
2013-08-07,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-08-07,Closed with explanation,Yes,Yes,CR0483068,4232
2013-08-07,Credit card,,Other,,,Servicemember,N/A,Web,2013-08-07,Closed with non-monetary relief,Yes,No,CR0482520,2132
2013-08-07,Credit card,,Billing disputes,,,,N/A,Web,2013-08-07,Closed with monetary relief,Yes,Yes,CR0493188,3368
2013-08-07,Credit card,,Balance transfer fee,,,,N/A,Web,2013-08-07,Closed with explanation,Yes,Yes,CR0495112,3095
2013-08-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-08-07,Closed with explanation,Yes,No,CR0493185,8692
2013-08-07,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-08-09,Closed with explanation,Yes,Yes,CR0483051,5284
2013-08-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-08-09,Closed with monetary relief,Yes,No,CR0483067,1372
2013-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-09,Closed with explanation,Yes,No,CR0482496,3252
2013-08-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-08-08,Closed with monetary relief,Yes,No,CR0482932,1262
2013-08-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-08-09,Closed with explanation,Yes,No,CR0484492,1084
2013-08-06,Credit card,,Billing disputes,,,,N/A,Web,2013-08-06,Closed with explanation,Yes,No,CR0481944,1801
2013-08-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-07,Closed with monetary relief,Yes,Yes,CR0481488,682
2013-08-05,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-08-04,Closed with explanation,Yes,Yes,CR0473724,4215
2013-08-05,Credit card,,Arbitration,,,,N/A,Web,2013-08-05,Closed with explanation,Yes,Yes,CR0480045,12308
2013-08-05,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2013-09-12,Closed with explanation,Yes,No,CR0473836,4338
2013-08-05,Credit card,,Billing statement,,,,N/A,Web,2013-08-07,Closed with explanation,Yes,Yes,CR0473171,422
2013-08-05,Credit card,,Delinquent account,,,,N/A,Web,2013-08-07,Closed with explanation,Yes,No,CR0474431,581
2013-08-05,Credit card,,Other,,,,N/A,Web,2013-08-29,Closed with explanation,Yes,No,CR0474531,2882
2013-08-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-07,Closed with monetary relief,Yes,No,CR0479392,4149
2013-08-05,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-08-07,Closed with monetary relief,Yes,No,CR0467715,2140
2013-08-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-08-07,Closed with explanation,Yes,No,CR0473745,1727
2013-08-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-07,Closed with explanation,Yes,No,CR0474554,3475
2013-08-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-08-07,Closed with monetary relief,Yes,No,CR0473702,3735
2013-08-03,Credit card,,Credit determination,,,,N/A,Web,2013-08-03,Closed with non-monetary relief,Yes,No,CR0473622,2883
2013-08-03,Credit card,,Rewards,,,,N/A,Web,2013-08-03,Closed with explanation,Yes,No,CR0473610,1072
2013-08-03,Credit card,,Balance transfer fee,,,,N/A,Web,2013-08-03,Closed with monetary relief,Yes,No,CR0473642,1145
2013-08-03,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2013-08-07,Closed with monetary relief,Yes,Yes,CR0473523,977
2013-08-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-07,Closed with non-monetary relief,Yes,No,CR0473397,5468
2013-08-03,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-08-23,Closed with monetary relief,Yes,Yes,CR0473402,3595
2013-08-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-08-07,Closed with monetary relief,Yes,No,CR0473407,1242
2013-08-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-07,Closed with explanation,Yes,No,CR0473596,4648
2013-08-02,Credit card,,Billing disputes,,,Older American,N/A,Web,2013-08-12,Closed with explanation,Yes,No,CR0472772,3474
2013-08-02,Credit card,,Billing disputes,,,,N/A,Web,2013-08-02,Closed with explanation,Yes,No,CR0472958,7100
2013-08-02,Credit card,,APR or interest rate,,,,N/A,Web,2013-08-02,Closed with monetary relief,Yes,No,CR0472672,12485
2013-08-02,Credit card,,Other,,,,N/A,Web,2013-08-01,Closed with explanation,Yes,No,CR0472450,4350
2013-08-02,Credit card,,APR or interest rate,,,,N/A,Web,2013-08-02,Closed with explanation,Yes,Yes,CR0462370,6946
2013-08-02,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-08-07,Closed with explanation,Yes,No,CR0473313,1541
2013-08-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-08-05,Closed with monetary relief,Yes,No,CR0472534,877
2013-08-01,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2013-08-01,Closed with explanation,Yes,No,CR0472202,1726
2013-08-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-08-05,Closed with explanation,Yes,No,CR0472081,1228
2013-08-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-08-05,Closed with monetary relief,Yes,No,CR0472350,2475
2013-08-01,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-08-05,Closed with explanation,Yes,Yes,CR0472402,191
2013-08-01,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-08-06,Closed with monetary relief,Yes,No,CR0472415,2152
2013-08-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-08-05,Closed with monetary relief,Yes,No,CR0471609,3793
2013-07-31,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-07-31,Closed with explanation,Yes,No,CR0487049,1297
2013-07-31,Credit card,,Other fee,,,,N/A,Web,2013-07-31,Closed with non-monetary relief,Yes,No,CR0491318,2450
2013-07-31,Credit card,,Billing disputes,,,,N/A,Web,2013-08-02,Closed with non-monetary relief,Yes,No,CR0471066,3961
2013-07-31,Credit card,,Late fee,,,,N/A,Web,2013-07-31,Closed with monetary relief,Yes,No,CR0471430,1000
2013-07-31,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-07-30,Closed with explanation,Yes,No,CR0470885,3689
2013-07-31,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-07-31,Closed with non-monetary relief,Yes,No,CR0471225,4124
2013-07-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-08-02,Closed with explanation,Yes,No,CR0471019,775
2013-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-08-02,Closed with explanation,No,No,CR0475833,3278
2013-07-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-08-02,Closed with explanation,Yes,No,CR0471109,3071
2013-07-30,Credit card,,Credit determination,,,,N/A,Web,2013-07-31,Closed with explanation,Yes,Yes,CR0469752,1130
2013-07-30,Credit card,,Billing statement,,,,N/A,Web,2013-07-30,Closed with explanation,Yes,No,CR0470515,4329
2013-07-30,Credit card,,Other,,,,N/A,Web,2013-07-31,Closed with explanation,Yes,No,CR0469758,5263
2013-07-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-07-31,Closed with explanation,Yes,No,CR0479658,4160
2013-07-29,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-07-29,Closed with explanation,Yes,Yes,CR0468582,4424
2013-07-29,Credit card,,Other fee,,,,N/A,Web,2013-07-30,Closed with explanation,Yes,Yes,CR0468792,4784
2013-07-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-07-30,Closed with explanation,Yes,No,CR0468981,3248
2013-07-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-30,Closed with explanation,Yes,No,CR0469366,3211
2013-07-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-31,Closed with explanation,Yes,No,CR0455062,738
2013-07-29,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Web,2013-08-01,Closed with explanation,Yes,No,CR0479653,92
2013-07-29,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-07-30,Closed with explanation,Yes,Yes,CR0468552,3652
2013-07-28,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Web,2013-08-05,Closed with explanation,Yes,No,CR0468450,2304
2013-07-28,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-07-29,Closed with explanation,Yes,No,CR0468515,1248
2013-07-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-29,Closed with explanation,Yes,No,CR0468501,5
2013-07-27,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2013-07-26,Closed with explanation,Yes,No,CR0468332,3596
2013-07-27,Credit card,,Billing disputes,,,,N/A,Web,2013-07-27,Closed with non-monetary relief,Yes,Yes,CR0468394,4094
2013-07-26,Credit card,,Rewards,,,,N/A,Web,2013-08-07,Closed with explanation,Yes,No,CR0467556,3949
2013-07-26,Credit card,,Billing disputes,,,,N/A,Web,2013-07-26,Closed with explanation,Yes,No,CR0467920,5013
2013-07-26,Credit card,,Late fee,,,,N/A,Web,2013-07-26,Closed with explanation,Yes,No,CR0467688,327
2013-07-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-29,Closed with explanation,Yes,No,CR0467176,7366
2013-07-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-07-29,Closed with explanation,Yes,No,CR0467815,1102
2013-07-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-08-01,Closed with explanation,Yes,No,CR0467271,3689
2013-07-26,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-08-01,Closed with explanation,Yes,No,CR0467961,1844
2013-07-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-31,Closed with explanation,Yes,No,CR0475007,4167
2013-07-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-29,Closed with monetary relief,Yes,No,CR0467924,4763
2013-07-25,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2013-07-25,Closed with explanation,Yes,No,CR0466061,1050
2013-07-25,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2013-07-26,Closed with explanation,Yes,No,CR0465962,1284
2013-07-25,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-07-26,Closed with monetary relief,Yes,No,CR0466237,11977
2013-07-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-07-26,Closed with monetary relief,Yes,No,CR0466503,1165
2013-07-25,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-07-29,Closed with explanation,Yes,Yes,CR0466592,5965
2013-07-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-08-01,Closed with explanation,Yes,No,CR0465529,5212
2013-07-24,Credit card,,Billing disputes,,,,N/A,Web,2013-07-25,Closed with explanation,Yes,No,CR0465138,9642
2013-07-24,Credit card,,Billing disputes,,,,N/A,Web,2013-07-24,Closed with explanation,Yes,No,CR0464970,2846
2013-07-24,Credit card,,Billing disputes,,,,N/A,Web,2013-07-25,Closed with explanation,Yes,No,CR0465139,219
2013-07-24,Credit card,,Billing disputes,,,,N/A,Web,2013-07-25,Closed with explanation,Yes,Yes,CR0465140,2221
2013-07-24,Credit card,,Delinquent account,,,,N/A,Web,2013-07-26,Closed with explanation,Yes,Yes,CR0464768,4467
2013-07-24,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2013-07-24,Closed with explanation,Yes,No,CR0464814,444
2013-07-24,Credit card,,Billing disputes,,,,N/A,Web,2013-07-26,Closed with explanation,Yes,No,CR0465137,370
2013-07-24,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-07-24,Closed with explanation,Yes,No,CR0464757,1979
2013-07-24,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-07-26,Closed with monetary relief,Yes,No,CR0463174,53
2013-07-24,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-07-26,Closed with monetary relief,Yes,No,CR0465563,1679
2013-07-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-07-26,Closed with monetary relief,Yes,No,CR0465746,4697
2013-07-23,Credit card,,Privacy,,,,N/A,Web,2013-07-23,Closed with explanation,Yes,No,CR0464244,1562
2013-07-23,Credit card,,Billing disputes,,,,N/A,Web,2013-07-25,Closed with explanation,Yes,No,CR0463853,4073
2013-07-23,Credit card,,Billing disputes,,,,N/A,Web,2013-07-26,Closed with explanation,Yes,No,CR0463854,3093
2013-07-23,Credit card,,Billing disputes,,,,N/A,Web,2013-07-25,Closed with explanation,Yes,No,CR0463855,3234
2013-07-23,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Web,2013-07-24,Closed with explanation,Yes,No,CR0454548,3577
2013-07-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-07-24,Closed with monetary relief,Yes,No,CR0464554,9274
2013-07-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-07-24,Closed with non-monetary relief,Yes,No,CR0464246,2089
2013-07-22,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-07-22,Closed with non-monetary relief,Yes,No,CR0475566,750
2013-07-22,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2013-07-24,Closed with explanation,Yes,No,CR0462675,681
2013-07-21,Credit card,,Convenience checks,,,,N/A,Web,2013-07-25,Closed with explanation,Yes,Yes,CR0480042,4802
2013-07-20,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2013-07-19,Closed with explanation,Yes,No,CR0462271,2152
2013-07-19,Credit card,,Other fee,,,,N/A,Web,2013-07-26,Closed with explanation,Yes,No,CR0461542,2507
2013-07-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-07-19,Closed with explanation,Yes,Yes,CR0461532,4106
2013-07-19,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-07-22,Closed with monetary relief,Yes,No,CR0461607,651
2013-07-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-07-22,Closed with non-monetary relief,Yes,No,CR0462162,925
2013-07-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2013-07-22,Closed with explanation,Yes,No,CR0461612,2318
2013-07-18,Credit card,,Convenience checks,,,,N/A,Web,2013-07-18,Closed with explanation,Yes,No,CR0460857,2332
2013-07-18,Credit card,,Other,,,,N/A,Web,2013-07-18,Closed with explanation,Yes,No,CR0460674,3241
2013-07-17,Credit card,,Other,,,,N/A,Web,2013-07-17,Closed with explanation,Yes,No,CR0459942,11685
2013-07-17,Credit card,,Billing disputes,,,,N/A,Web,2013-07-18,Closed with explanation,Yes,Yes,CR0480405,2748
2013-07-17,Credit card,,Billing disputes,,,,N/A,Web,2013-07-22,Closed with explanation,Yes,No,CR0459281,10912
2013-07-17,Credit card,,Forbearance / Workout plans,,,Older American,N/A,Web,2013-07-17,Closed with explanation,Yes,No,CR0459382,2899
2013-07-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-07-19,Closed with explanation,Yes,No,CR0459217,361
2013-07-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-07-26,Closed with explanation,Yes,No,CR0459878,2492
2013-07-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-19,Closed with monetary relief,Yes,No,CR0460045,2085
2013-07-17,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-07-19,Closed with monetary relief,Yes,No,CR0460035,4610
2013-07-17,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2013-07-19,Closed with explanation,Yes,No,CR0460306,3824
2013-07-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-19,Closed with explanation,Yes,No,CR0460326,3954
2013-07-17,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2013-07-19,Closed with explanation,Yes,No,CR0460206,3675
2013-07-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-07-19,Closed with explanation,Yes,No,CR0459332,4117
2013-07-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-07-19,Closed with monetary relief,Yes,Yes,CR0459301,4592
2013-07-17,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-07-19,Closed with explanation,Yes,No,CR0459232,3669
2013-07-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-19,Closed with monetary relief,Yes,Yes,CR0459329,3194
2013-07-17,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-07-19,Closed with explanation,Yes,No,CR0459612,2837
2013-07-17,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-07-19,Closed with monetary relief,Yes,No,CR0460151,1242
2013-07-16,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2013-07-16,Closed with explanation,Yes,No,CR0458694,4694
2013-07-16,Credit card,,Balance transfer,,,Servicemember,N/A,Web,2013-07-16,Closed with explanation,Yes,Yes,CR0458515,4355
2013-07-16,Credit card,,Credit determination,,,,N/A,Web,2013-07-16,Closed with explanation,Yes,No,CR0458544,46
2013-07-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-19,Closed with monetary relief,Yes,No,CR0458286,2259
2013-07-15,Credit card,,Payoff process,,,,N/A,Web,2013-07-15,Closed with explanation,Yes,No,CR0457206,1048
2013-07-15,Credit card,,Other,,,Older American,N/A,Web,2013-07-15,Closed with explanation,Yes,No,CR0457432,4380
2013-07-15,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-07-18,Closed with explanation,Yes,No,CR0457988,1598
2013-07-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-07-17,Closed with monetary relief,Yes,No,CR0457776,531
2013-07-15,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-07-18,Closed with explanation,Yes,No,CR0458017,3924
2013-07-14,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-07-15,Closed with monetary relief,Yes,No,CR0457079,10639
2013-07-13,Credit card,,Rewards,,,,N/A,Web,2013-07-12,Closed with non-monetary relief,Yes,No,CR0456879,1268
2013-07-13,Credit card,,Other,,,Older American,N/A,Web,2013-07-13,Closed with monetary relief,Yes,No,CR0457020,2727
2013-07-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-07-18,Closed with explanation,Yes,No,CR0457046,2417
2013-07-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-07-18,Closed with explanation,Yes,No,CR0456925,8362
2013-07-12,Credit card,,Late fee,,,,N/A,Web,2013-07-12,Closed with explanation,Yes,No,CR0456532,2496
2013-07-12,Credit card,,Late fee,,,,N/A,Web,2013-07-11,Closed with monetary relief,Yes,No,CR0479242,2298
2013-07-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-07-15,Closed with explanation,Yes,No,CR0456782,3602
2013-07-11,Credit card,,Credit determination,,,,N/A,Web,2013-07-11,Closed with non-monetary relief,Yes,Yes,CR0455598,2050
2013-07-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-07-15,Closed with explanation,Yes,Yes,CR0454789,131
2013-07-11,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-07-15,Closed with explanation,Yes,No,CR0454775,4511
2013-07-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-07-15,Closed with explanation,Yes,No,CR0453958,3099
2013-07-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-07-12,Closed with explanation,Yes,No,CR0454515,2716
2013-07-10,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Web,2013-07-12,Closed with monetary relief,Yes,No,CR0453333,247
2013-07-09,Credit card,,Rewards,,,,N/A,Web,2013-07-09,Closed with explanation,Yes,Yes,CR0452327,1015
2013-07-09,Credit card,,Late fee,,,,N/A,Web,2013-07-09,Closed with non-monetary relief,Yes,No,CR0452767,831
2013-07-09,Credit card,,Late fee,,,,N/A,Web,2013-07-09,Closed with explanation,Yes,No,CR0452371,9930
2013-07-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-07-12,Closed with explanation,No,No,CR0452453,4471
2013-07-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-07-12,Closed with explanation,Yes,No,CR0452629,4583
2013-07-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-07-12,Closed with monetary relief,No,No,CR0452950,5333
2013-07-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-07-12,Closed with non-monetary relief,Yes,No,CR0453072,1886
2013-07-09,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-07-12,Closed with monetary relief,Yes,No,CR0452386,3200
2013-07-09,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-07-12,Closed with explanation,Yes,Yes,CR0452475,4150
2013-07-09,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2013-07-15,Closed with monetary relief,Yes,No,CR0452611,3543
2013-07-08,Credit card,,Late fee,,,,N/A,Web,2013-07-08,Closed with non-monetary relief,Yes,No,CR0450906,5413
2013-07-08,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-07-09,Closed with explanation,Yes,No,CR0450943,5366
2013-07-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-08-02,Closed with explanation,Yes,No,CR0451018,2688
2013-07-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-09,Closed with explanation,Yes,No,CR0450905,4230
2013-07-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-07-12,Closed with explanation,Yes,No,CR0450493,367
2013-07-06,Credit card,,Billing disputes,,,,N/A,Web,2013-07-06,Closed with explanation,Yes,No,CR0450446,3568
2013-07-06,Credit card,,Advertising and marketing,,,,N/A,Web,2013-07-08,Closed with explanation,Yes,No,CR0450309,1173
2013-07-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-07-10,Closed with explanation,Yes,Yes,CR0450393,1981
2013-07-05,Credit card,,Billing disputes,,,,N/A,Web,2013-07-05,Closed with explanation,Yes,No,CR0449933,2289
2013-07-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-07-08,Closed with explanation,Yes,No,CR0449488,3295
2013-07-04,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-07-08,Closed with monetary relief,Yes,No,CR0449355,1298
2013-07-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-08,Closed with monetary relief,Yes,Yes,CR0449385,1194
2013-07-03,Credit card,,Billing statement,,,,N/A,Web,2013-07-03,Closed with explanation,Yes,No,CR0448813,2679
2013-07-03,Credit card,,Billing statement,,,,N/A,Web,2013-07-03,Closed with monetary relief,Yes,No,CR0448782,3531
2013-07-03,Credit card,,Billing disputes,,,Servicemember,N/A,Web,2013-07-03,Closed with explanation,Yes,No,CR0448280,724
2013-07-03,Credit card,,Rewards,,,Older American,N/A,Web,2013-07-03,Closed with explanation,Yes,No,CR0448980,839
2013-07-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-07-05,Closed with non-monetary relief,Yes,No,CR0448989,6967
2013-07-03,Bank account or service,Savings account,Deposits and withdrawals,,,Servicemember,N/A,Web,2013-07-05,Closed with monetary relief,Yes,Yes,CR0449023,3024
2013-07-03,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-07-08,Closed with explanation,Yes,No,CR0449082,2975
2013-07-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-05,Closed with explanation,Yes,No,CR0448866,3975
2013-07-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-05,Closed with non-monetary relief,Yes,No,CR0448627,1730
2013-07-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-03,Closed with non-monetary relief,Yes,No,CR0448235,2209
2013-07-02,Credit card,,Delinquent account,,,,N/A,Web,2013-07-02,Closed with explanation,Yes,Yes,CR0447661,4969
2013-07-02,Credit card,,Advertising and marketing,,,,N/A,Web,2013-07-02,Closed with monetary relief,Yes,No,CR0447995,448
2013-07-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-07-02,Closed with explanation,Yes,No,CR0447997,1413
2013-07-02,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Web,2013-07-03,Closed with explanation,Yes,No,CR0447562,3254
2013-07-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-07-03,Closed with monetary relief,Yes,No,CR0448161,4728
2013-07-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-07-02,Closed with explanation,Yes,Yes,CR0447768,5245
2013-07-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-03,Closed with monetary relief,Yes,No,CR0447732,2294
2013-07-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-03,Closed with explanation,Yes,No,CR0447885,1705
2013-06-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-07-03,Closed with explanation,Yes,No,CR0446496,3975
2013-06-30,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Web,2013-07-01,Closed with explanation,Yes,No,CR0446859,4251
2013-06-29,Credit card,,Collection practices,,,,N/A,Web,2013-06-29,Closed with explanation,Yes,Yes,CR0446478,3176
2013-06-29,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-07-02,Closed with explanation,Yes,No,CR0445045,2609
2013-06-28,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-06-28,Closed with explanation,Yes,No,CR0446247,2510
2013-06-28,Credit card,,Credit determination,,,,N/A,Web,2013-06-27,Closed with explanation,Yes,No,CR0445523,4177
2013-06-28,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-07-11,Closed,Yes,No,CR0445510,3745
2013-06-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-02,Closed with monetary relief,Yes,No,CR0445548,4036
2013-06-27,Credit card,,Other,,,,N/A,Web,2013-06-28,Closed with explanation,Yes,No,CR0443672,1468
2013-06-27,Credit card,,Billing disputes,,,,N/A,Web,2013-06-27,Closed with explanation,Yes,No,CR0444499,123
2013-06-27,Credit card,,Other,,,,N/A,Web,2013-06-28,Closed with explanation,Yes,No,CR0443671,4281
2013-06-27,Credit card,,Other,,,,N/A,Web,2013-06-28,Closed with explanation,Yes,No,CR0443683,3667
2013-06-27,Credit card,,Other fee,,,,N/A,Web,2013-06-27,Closed with monetary relief,Yes,Yes,CR0444573,72
2013-06-27,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-06-26,Closed with explanation,Yes,No,CR0444065,2119
2013-06-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-06-28,Closed with explanation,Yes,No,CR0445338,3777
2013-06-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-07-02,Closed with non-monetary relief,Yes,No,CR0444507,9231
2013-06-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-06-28,Closed with monetary relief,Yes,No,CR0444339,3127
2013-06-26,Credit card,,Balance transfer,,,,N/A,Web,2013-06-26,Closed with explanation,Yes,No,CR0442798,4731
2013-06-26,Credit card,,Billing disputes,,,,N/A,Web,2013-06-26,Closed with monetary relief,Yes,No,CR0443299,4659
2013-06-26,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-06-26,Closed with explanation,Yes,Yes,CR0442762,778
2013-06-26,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-07-09,Closed with explanation,Yes,Yes,CR0442566,4020
2013-06-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-06-27,Closed with explanation,Yes,No,CR0443136,4469
2013-06-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-06-26,Closed with explanation,Yes,Yes,CR0442579,1461
2013-06-25,Credit card,,Collection practices,,,,N/A,Web,2013-06-25,Closed with explanation,Yes,No,CR0441693,459
2013-06-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-06-25,Closed with explanation,Yes,No,CR0441715,2906
2013-06-25,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-06-25,Closed with explanation,Yes,No,CR0441829,8105
2013-06-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-06-25,Closed with monetary relief,Yes,No,CR0441849,3618
2013-06-25,Credit card,,Other,,,,N/A,Web,2013-06-27,Closed with non-monetary relief,Yes,Yes,CR0441155,4530
2013-06-25,Credit card,,Billing statement,,,,N/A,Web,2013-06-25,Closed with non-monetary relief,Yes,No,CR0442013,747
2013-06-25,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-06-25,Closed with explanation,Yes,Yes,CR0441045,7862
2013-06-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-06-26,Closed with monetary relief,Yes,No,CR0441128,474
2013-06-24,Credit card,,Collection debt dispute,,,Older American,N/A,Web,2013-06-26,Closed with explanation,Yes,Yes,CR0442260,2476
2013-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-06-25,Closed with non-monetary relief,Yes,No,CR0440849,11609
2013-06-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-06-25,Closed with explanation,Yes,No,CR0441546,4595
2013-06-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-06-25,Closed with explanation,Yes,No,CR0440552,1033
2013-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-06-25,Closed with monetary relief,Yes,No,CR0441541,4182
2013-06-23,Credit card,,Billing disputes,,,,N/A,Web,2013-06-23,Closed with explanation,Yes,No,CR0440194,3181
2013-06-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-06-24,Closed with explanation,Yes,No,CR0440189,2699
2013-06-22,Credit card,,Collection debt dispute,,,Older American,N/A,Web,2013-06-25,Closed with non-monetary relief,Yes,No,CR0440131,421
2013-06-22,Credit card,,Other,,,,N/A,Web,2013-06-22,Closed with monetary relief,Yes,No,CR0440129,3671
2013-06-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-06-25,Closed with explanation,Yes,No,CR0440101,4296
2013-06-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-06-24,Closed with explanation,Yes,No,CR0440002,3146
2013-06-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-06-24,Closed with explanation,Yes,No,CR0438370,13690
2013-06-21,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-06-20,Closed with explanation,Yes,No,CR0439189,12163
2013-06-21,Credit card,,Billing statement,,,,N/A,Web,2013-06-21,Closed with explanation,Yes,No,CR0439909,3840
2013-06-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-06-24,Closed with explanation,Yes,No,CR0439443,4083
2013-06-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-06-24,Closed with explanation,Yes,No,CR0439491,4206
2013-06-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-06-21,Closed with non-monetary relief,Yes,No,CR0439177,2336
2013-06-20,Credit card,,Delinquent account,,,,N/A,Web,2013-06-21,Closed with explanation,Yes,No,CR0437825,899
2013-06-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-07-15,Closed with non-monetary relief,Yes,Yes,CR0438190,5233
2013-06-20,Credit card,,Delinquent account,,,,N/A,Web,2013-06-21,Closed with explanation,Yes,No,CR0437824,1749
2013-06-20,Credit card,,Other,,,,N/A,Web,2013-06-20,Closed with explanation,Yes,No,CR0437965,1519
2013-06-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-07-08,Closed with explanation,Yes,No,CR0438463,12599
2013-06-19,Credit card,,Billing disputes,,,,N/A,Web,2013-06-20,Closed with explanation,Yes,No,CR0437321,2899
2013-06-19,Credit card,,Cash advance,,,,N/A,Web,2013-06-19,Closed with explanation,Yes,No,CR0436560,3047
2013-06-19,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-06-19,Closed with explanation,Yes,No,CR0436642,1340
2013-06-19,Credit card,,Billing disputes,,,,N/A,Web,2013-06-20,Closed with explanation,Yes,No,CR0437322,1217
2013-06-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-06-19,Closed with monetary relief,Yes,No,CR0436773,2464
2013-06-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-06-20,Closed with monetary relief,Yes,Yes,CR0437342,1180
2013-06-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-06-20,Closed with non-monetary relief,Yes,Yes,CR0437524,9611
2013-06-19,Bank account or service,Checking account,Using a debit or ATM card,,,Servicemember,N/A,Web,2013-06-20,Closed with explanation,Yes,No,CR0437599,4919
2013-06-18,Credit card,,Credit line increase/decrease,,,,N/A,Web,2013-06-18,Closed with explanation,Yes,No,CR0436405,2099
2013-06-18,Credit card,,Billing disputes,,,,N/A,Web,2013-06-19,Closed with explanation,Yes,No,CR0435532,5774
2013-06-18,Credit card,,Billing disputes,,,,N/A,Web,2013-06-19,Closed with explanation,Yes,No,CR0435529,4440
2013-06-18,Credit card,,Billing disputes,,,,N/A,Web,2013-06-19,Closed with explanation,Yes,No,CR0435530,5141
2013-06-18,Credit card,,Billing disputes,,,,N/A,Web,2013-06-19,Closed with explanation,Yes,No,CR0435531,3718
2013-06-18,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-06-18,Closed with explanation,Yes,No,CR0436393,2707
2013-06-18,Credit card,,Billing disputes,,,,N/A,Web,2013-06-19,Closed with explanation,Yes,No,CR0435533,3748
2013-06-18,Credit card,,Billing disputes,,,,N/A,Web,2013-06-19,Closed with explanation,Yes,No,CR0435534,5141
2013-06-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-06-18,Closed with explanation,Yes,No,CR0435367,55
2013-06-18,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-06-19,Closed with explanation,Yes,No,CR0435762,9715
2013-06-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-06-19,Closed with monetary relief,Yes,No,CR0435858,4959
2013-06-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-06-18,Closed with explanation,Yes,No,CR0435390,1894
2013-06-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-06-18,Closed with explanation,Yes,Yes,CR0435455,2961
2013-06-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-06-19,Closed with monetary relief,Yes,No,CR0435734,3492
2013-06-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-06-19,Closed with non-monetary relief,Yes,No,CR0436400,4607
2013-06-17,Credit card,,Billing disputes,,,,N/A,Web,2013-06-17,Closed with explanation,Yes,No,CR0434217,3498
2013-06-17,Credit card,,Other,,,,N/A,Web,2013-06-18,Closed with explanation,Yes,Yes,CR0434172,2846
2013-06-17,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Web,2013-06-19,Closed with monetary relief,Yes,No,CR0434851,4778
2013-06-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-06-17,Closed with monetary relief,Yes,No,CR0434544,5384
2013-06-17,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,,N/A,Web,2013-06-18,Closed with explanation,Yes,No,CR0434708,2157
2013-06-17,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2013-06-18,Closed with monetary relief,Yes,No,CR0435116,692
2013-06-16,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2013-06-17,Closed with monetary relief,Yes,No,CR0433817,1055
2013-06-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-06-17,Closed with explanation,Yes,No,CR0433782,2663
2013-06-14,Credit card,,Billing statement,,,,N/A,Web,2013-06-14,Closed with explanation,Yes,No,CR0430692,4064
2013-06-14,Credit card,,Payoff process,,,,N/A,Web,2013-06-14,Closed with non-monetary relief,Yes,No,CR0432668,3428
2013-06-14,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Web,2013-06-18,Closed with monetary relief,Yes,No,CR0432461,5175
2013-06-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-06-21,Closed with explanation,Yes,No,CR0432893,4126
2013-06-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-06-17,Closed with non-monetary relief,Yes,Yes,CR0432664,10778
2013-06-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-06-17,Closed with explanation,Yes,No,CR0432820,2430
2013-06-14,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-06-17,Closed with monetary relief,Yes,No,CR0432934,2778
2013-06-13,Credit card,,Billing disputes,,,,N/A,Web,2013-06-14,Closed with explanation,Yes,No,CR0431553,1641
2013-06-13,Credit card,,Billing disputes,,,,N/A,Web,2013-06-14,Closed with explanation,Yes,No,CR0431555,3909
2013-06-13,Credit card,,Billing disputes,,,,N/A,Web,2013-06-13,Closed with explanation,Yes,No,CR0431552,492
2013-06-13,Credit card,,Other,,,,N/A,Web,2013-06-14,Closed with explanation,Yes,No,CR0431085,2742
2013-06-13,Credit card,,Billing disputes,,,,N/A,Web,2013-06-13,Closed with explanation,Yes,No,CR0431551,2136
2013-06-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-06-13,Closed with explanation,Yes,No,CR0431456,2333
2013-06-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-06-13,Closed with explanation,Yes,No,CR0431454,3690
2013-06-12,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-06-12,Closed with explanation,Yes,No,CR0429890,3282
2013-06-12,Credit card,,Billing disputes,,,,N/A,Web,2013-06-12,Closed with explanation,Yes,Yes,CR0430025,1402
2013-06-12,Credit card,,Late fee,,,,N/A,Web,2013-06-11,Closed with explanation,Yes,No,CR0429878,714
2013-06-12,Credit card,,Other,,,,N/A,Web,2013-06-12,Closed with explanation,Yes,No,CR0429905,3773
2013-06-12,Credit card,,Billing disputes,,,,N/A,Web,2013-06-13,Closed with explanation,Yes,No,CR0431044,4380
2013-06-12,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-06-12,Closed with explanation,Yes,No,CR0429885,790
2013-06-12,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-06-18,Closed with explanation,Yes,Yes,CR0431402,1194
2013-06-11,Credit card,,Other,,,,N/A,Web,2013-06-11,Closed with explanation,Yes,No,CR0428883,4684
2013-06-11,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-06-27,Closed with explanation,Yes,No,CR0429067,3435
2013-06-11,Credit card,,APR or interest rate,,,,N/A,Web,2013-06-11,Closed with explanation,Yes,No,CR0429092,4440
2013-06-11,Credit card,,Billing disputes,,,,N/A,Web,2013-06-11,Closed with explanation,Yes,No,CR0428316,662
2013-06-11,Credit card,,Billing disputes,,,,N/A,Web,2013-06-12,Closed with non-monetary relief,Yes,Yes,CR0428301,205
2013-06-11,Credit card,,Billing disputes,,,,N/A,Web,2013-06-11,Closed with non-monetary relief,Yes,Yes,CR0428287,2418
2013-06-11,Credit card,,Other fee,,,,N/A,Web,2013-06-11,Closed with explanation,Yes,No,CR0429123,4797
2013-06-11,Credit card,,Collection debt dispute,,,,N/A,Web,2013-06-11,Closed with monetary relief,Yes,No,CR0429271,469
2013-06-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-06-12,Closed with monetary relief,Yes,No,CR0428933,3953
2013-06-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-06-12,Closed with monetary relief,Yes,No,CR0428901,1387
2013-06-10,Credit card,,Collection practices,,,,N/A,Web,2013-06-10,Closed with explanation,Yes,No,CR0427546,4388
2013-06-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-06-11,Closed with explanation,Yes,No,CR0427957,1772
2013-06-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-06-12,Closed with explanation,Yes,No,CR0428632,4591
2013-06-09,Credit card,,Collection practices,,,,N/A,Web,2013-06-09,Closed with explanation,Yes,Yes,CR0427044,4084
2013-06-08,Credit card,,Other,,,,N/A,Web,2013-06-07,Closed with non-monetary relief,Yes,No,CR0427037,760
2013-06-08,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2013-06-10,Closed with monetary relief,Yes,No,CR0426889,4557
2013-06-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-06-11,Closed with explanation,Yes,Yes,CR0426891,31
2013-06-07,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-06-07,Closed with explanation,Yes,No,CR0429600,3370
2013-06-07,Credit card,,Convenience checks,,,,N/A,Web,2013-06-07,Closed with explanation,Yes,No,CR0426845,3801
2013-06-07,Credit card,,Billing disputes,,,,N/A,Web,2013-06-07,Closed with monetary relief,Yes,Yes,CR0435964,4810
2013-06-07,Credit card,,Other,,,Older American,N/A,Web,2013-06-10,Closed with explanation,Yes,No,CR0426850,1174
2013-06-07,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2013-06-12,Closed with explanation,Yes,No,CR0428494,1514
2013-06-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-06-10,Closed with explanation,Yes,Yes,CR0427159,5246
2013-06-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-06-10,Closed with explanation,Yes,No,CR0426752,3897
2013-06-06,Credit card,,Billing disputes,,,,N/A,Web,2013-06-10,Closed with explanation,Yes,No,CR0425599,11976
2013-06-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-06-10,Closed with explanation,Yes,No,CR0425892,4617
2013-06-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-06-10,Closed with explanation,Yes,Yes,CR0426014,4066
2013-06-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-06-07,Closed with explanation,No,No,CR0426267,7127
2013-06-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-06-10,Closed with explanation,Yes,No,CR0425870,4609
2013-06-06,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-06-10,Closed with monetary relief,Yes,No,CR0425886,693
2013-06-06,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Web,2013-06-10,Closed with explanation,Yes,Yes,CR0425552,3438
2013-06-05,Credit card,,Billing statement,,,,N/A,Web,2013-06-05,Closed with monetary relief,Yes,No,CR0424432,4673
2013-06-05,Credit card,,Collection debt dispute,,,,N/A,Web,2013-06-10,Closed with explanation,Yes,No,CR0424786,8611
2013-06-05,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-06-10,Closed with monetary relief,Yes,No,CR0424701,10639
2013-06-05,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2013-06-05,Closed with monetary relief,Yes,No,CR0424400,13658
2013-06-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-06-10,Closed with explanation,Yes,No,CR0424812,1457
2013-06-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-06-05,Closed with explanation,Yes,Yes,CR0424611,3548
2013-06-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-06-10,Closed with explanation,Yes,No,CR0424847,996
2013-06-04,Credit card,,Billing disputes,,,,N/A,Web,2013-06-05,Closed with explanation,Yes,No,CR0424184,6034
2013-06-04,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-06-04,Closed with explanation,Yes,No,CR0423943,3872
2013-06-04,Credit card,,APR or interest rate,,,,N/A,Web,2013-06-05,Closed with explanation,Yes,No,CR0423982,12726
2013-06-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-06-05,Closed with explanation,Yes,No,CR0423412,3947
2013-06-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-06-05,Closed with monetary relief,Yes,No,CR0424256,4687
2013-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-06-06,Closed with explanation,Yes,No,CR0423829,274
2013-06-04,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-06-05,Closed with explanation,Yes,Yes,CR0424939,4010
2013-06-03,Credit card,,APR or interest rate,,,,N/A,Web,2013-06-04,Closed with explanation,Yes,No,CR0422635,4975
2013-06-03,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2013-06-03,Closed with explanation,Yes,Yes,CR0422400,5761
2013-06-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-06-05,Closed,Yes,No,CR0423716,1611
2013-06-01,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2013-06-03,Closed with explanation,Yes,No,CR0421677,4048
2013-05-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-06-04,Closed with explanation,Yes,No,CR0421202,13201
2013-05-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-06-03,Closed with explanation,Yes,No,CR0420935,2151
2013-05-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-06-03,Closed with explanation,Yes,No,CR0421389,2818
2013-05-30,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-05-30,Closed with explanation,Yes,No,CR0419926,3791
2013-05-30,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-05-30,Closed with non-monetary relief,Yes,No,CR0419893,4492
2013-05-30,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Web,2013-05-31,Closed with monetary relief,Yes,Yes,CR0419838,1758
2013-05-30,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-05-31,Closed with explanation,Yes,Yes,CR0420373,2667
2013-05-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-06-03,Closed with explanation,Yes,No,CR0419908,3386
2013-05-29,Credit card,,Billing disputes,,,Servicemember,N/A,Web,2013-05-30,Closed with explanation,Yes,Yes,CR0418569,11609
2013-05-29,Credit card,,Other,,,Older American,N/A,Web,2013-05-30,Closed with explanation,Yes,No,CR0418638,11662
2013-05-29,Credit card,,Billing disputes,,,,N/A,Web,2013-05-30,Closed with explanation,Yes,Yes,CR0419168,301
2013-05-29,Credit card,,Payoff process,,,,N/A,Web,2013-05-29,Closed with monetary relief,Yes,No,CR0418988,5866
2013-05-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-05-29,Closed with explanation,Yes,No,CR0418200,2388
2013-05-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-29,Closed with explanation,Yes,No,CR0417655,1948
2013-05-26,Credit card,,APR or interest rate,,,,N/A,Web,2013-05-25,Closed with explanation,Yes,Yes,CR0416706,1450
2013-05-26,Credit card,,Transaction issue,,,,N/A,Web,2013-05-26,Closed with explanation,Yes,No,CR0416724,2619
2013-05-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-28,Closed with explanation,Yes,No,CR0416707,4212
2013-05-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-05-28,Closed with explanation,Yes,No,CR0416729,656
2013-05-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-05-28,Closed with explanation,Yes,No,CR0416693,2869
2013-05-25,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-05-25,Closed with explanation,Yes,No,CR0416630,1521
2013-05-25,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-05-28,Closed with explanation,Yes,Yes,CR0416648,3462
2013-05-24,Credit card,,Credit line increase/decrease,,,,N/A,Web,2013-05-24,Closed with explanation,Yes,Yes,CR0416297,1506
2013-05-24,Credit card,,APR or interest rate,,,,N/A,Web,2013-05-28,Closed with monetary relief,Yes,No,CR0416052,4718
2013-05-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-05-28,Closed with explanation,Yes,No,CR0416173,1274
2013-05-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-28,Closed with explanation,Yes,No,CR0416242,4286
2013-05-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-24,Closed with monetary relief,Yes,No,CR0415593,2203
2013-05-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-05-28,Closed with explanation,Yes,No,CR0415624,3481
2013-05-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-28,Closed with explanation,Yes,No,CR0415622,4288
2013-05-24,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Web,2013-05-28,Closed with monetary relief,Yes,Yes,CR0416356,4185
2013-05-23,Credit card,,Transaction issue,,,,N/A,Web,2013-05-23,Closed with explanation,Yes,No,CR0415242,4514
2013-05-23,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-05-23,Closed with explanation,Yes,No,CR0415365,3074
2013-05-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Web,2013-05-23,Closed with explanation,Yes,No,CR0414531,5530
2013-05-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-05-24,Closed with monetary relief,Yes,No,CR0414594,224
2013-05-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-24,Closed with monetary relief,Yes,No,CR0415125,862
2013-05-23,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Web,2013-05-24,Closed with explanation,Yes,No,CR0414294,1532
2013-05-22,Credit card,,Transaction issue,,,,N/A,Web,2013-05-22,Closed with explanation,Yes,No,CR0414364,534
2013-05-22,Credit card,,Advertising and marketing,,,,N/A,Web,2013-05-23,Closed with explanation,Yes,No,CR0414762,91
2013-05-22,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-05-21,Closed with explanation,Yes,Yes,CR0413219,2056
2013-05-22,Credit card,,Billing disputes,,,,N/A,Web,2013-05-22,Closed with explanation,Yes,Yes,CR0414337,2477
2013-05-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-05-23,Closed with explanation,Yes,Yes,CR0414300,456
2013-05-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-05-23,Closed with explanation,Yes,No,CR0413415,606
2013-05-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-05-24,Closed with explanation,Yes,No,CR0413536,4383
2013-05-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-05-23,Closed with monetary relief,Yes,No,CR0413249,1312
2013-05-21,Credit card,,Other,,,,N/A,Web,2013-05-20,Closed with explanation,Yes,Yes,CR0411965,3501
2013-05-21,Credit card,,Other,,,,N/A,Web,2013-05-22,Closed with explanation,Yes,Yes,CR0411324,3035
2013-05-21,Credit card,,Other fee,,,,N/A,Web,2013-05-22,Closed with explanation,Yes,No,CR0412563,1673
2013-05-21,Credit card,,Transaction issue,,,,N/A,Web,2013-05-23,Closed with explanation,Yes,Yes,CR0413069,407
2013-05-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-05-23,Closed with explanation,Yes,No,CR0412619,1750
2013-05-20,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-05-20,Closed with explanation,Yes,No,CR0411863,329
2013-05-20,Credit card,,APR or interest rate,,,,N/A,Web,2013-05-20,Closed with explanation,Yes,No,CR0410796,42
2013-05-20,Credit card,,Billing disputes,,,,N/A,Web,2013-05-20,Closed with explanation,Yes,Yes,CR0411739,3546
2013-05-20,Credit card,,Other fee,,,,N/A,Web,2013-05-20,Closed with explanation,Yes,Yes,CR0410803,4524
2013-05-20,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2013-05-20,Closed with explanation,Yes,No,CR0411836,5245
2013-05-20,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2013-05-20,Closed with explanation,Yes,No,CR0411884,357
2013-05-19,Credit card,,Other,,,,N/A,Web,2013-05-19,Closed with explanation,Yes,No,CR0410791,4437
2013-05-18,Credit card,,Billing disputes,,,,N/A,Web,2013-05-20,Closed with non-monetary relief,Yes,No,CR0410126,4463
2013-05-18,Credit card,,Advertising and marketing,,,Older American,N/A,Web,2013-05-18,Closed with non-monetary relief,Yes,Yes,CR0410690,1811
2013-05-18,Credit card,,Delinquent account,,,,N/A,Web,2013-05-22,Closed with explanation,Yes,No,CR0410700,2545
2013-05-18,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2013-05-20,Closed with explanation,Yes,Yes,CR0410712,1615
2013-05-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-20,Closed with explanation,Yes,No,CR0410678,1163
2013-05-17,Credit card,,Credit determination,,,,N/A,Web,2013-05-17,Closed with non-monetary relief,Yes,Yes,CR0410433,4323
2013-05-17,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2013-05-21,Closed with explanation,Yes,No,CR0410477,9872
2013-05-17,Credit card,,Transaction issue,,,,N/A,Web,2013-05-17,Closed with explanation,Yes,Yes,CR0409895,12163
2013-05-17,Credit card,,Other,,,,N/A,Web,2013-05-17,Closed with explanation,Yes,No,CR0410382,455
2013-05-17,Credit card,,Billing disputes,,,,N/A,Web,2013-05-21,Closed with explanation,Yes,No,CR0410391,3523
2013-05-17,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-05-20,Closed with explanation,Yes,No,CR0410380,360
2013-05-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-05-20,Closed with explanation,Yes,No,CR0409404,1052
2013-05-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-05-20,Closed with explanation,Yes,No,CR0409727,3420
2013-05-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-05-20,Closed with monetary relief,Yes,No,CR0410289,2160
2013-05-16,Credit card,,Payoff process,,,,N/A,Web,2013-05-16,Closed with explanation,Yes,No,CR0408555,13
2013-05-16,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-05-17,Closed with explanation,No,No,CR0408957,4812
2013-05-16,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-05-15,Closed with explanation,Yes,Yes,CR0408541,3296
2013-05-16,Credit card,,Other,,,,N/A,Web,2013-05-17,Closed with monetary relief,Yes,No,CR0409268,11114
2013-05-16,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-05-17,Closed with explanation,Yes,No,CR0408558,2639
2013-05-16,Credit card,,Collection debt dispute,,,,N/A,Web,2013-05-17,Closed with explanation,Yes,Yes,CR0409028,8510
2013-05-16,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Web,2013-05-20,Closed with monetary relief,Yes,No,CR0409664,1862
2013-05-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-05-17,Closed with monetary relief,No,No,CR0409243,4029
2013-05-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-17,Closed with explanation,Yes,No,CR0409284,3084
2013-05-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-05-17,Closed with monetary relief,Yes,Yes,CR0408969,917
2013-05-15,Credit card,,Transaction issue,,,,N/A,Web,2013-05-17,Closed with monetary relief,No,No,CR0407695,2266
2013-05-15,Credit card,,Billing disputes,,,,N/A,Web,2013-05-17,Closed with non-monetary relief,No,No,CR0407535,2779
2013-05-15,Credit card,,Billing disputes,,,,N/A,Web,2013-05-15,Closed with explanation,Yes,No,CR0408427,4619
2013-05-15,Credit card,,Advertising and marketing,,,,N/A,Web,2013-05-16,Closed with explanation,Yes,No,CR0407591,10828
2013-05-15,Credit card,,APR or interest rate,,,Older American,N/A,Web,2013-05-15,Closed with explanation,Yes,No,CR0408034,1055
2013-05-15,Credit card,,Delinquent account,,,,N/A,Web,2013-05-14,Closed with explanation,Yes,No,CR0407521,2865
2013-05-15,Credit card,,Collection debt dispute,,,,N/A,Web,2013-05-15,Closed with explanation,Yes,No,CR0407532,1562
2013-05-15,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-05-15,Closed with explanation,Yes,No,CR0407514,2258
2013-05-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-05-16,Closed with explanation,Yes,No,CR0407528,675
2013-05-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-05-16,Closed with explanation,No,Yes,CR0407537,9845
2013-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-16,Closed with explanation,Yes,No,CR0407547,1962
2013-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-15,Closed with monetary relief,Yes,No,CR0407520,2113
2013-05-15,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-05-16,Closed with explanation,Yes,Yes,CR0407590,408
2013-05-14,Credit card,,Balance transfer fee,,,,N/A,Web,2013-05-15,Closed with explanation,Yes,Yes,CR0406497,2922
2013-05-14,Credit card,,Collection debt dispute,,,,N/A,Web,2013-05-14,Closed with explanation,Yes,Yes,CR0406422,9316
2013-05-14,Credit card,,Delinquent account,,,,N/A,Web,2013-05-15,Closed with non-monetary relief,Yes,No,CR0407014,4821
2013-05-14,Credit card,,Other,,,,N/A,Web,2013-05-15,Closed with explanation,Yes,No,CR0405683,3844
2013-05-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-05-15,Closed with monetary relief,Yes,No,CR0407325,1714
2013-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-14,Closed with monetary relief,Yes,No,CR0405796,897
2013-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-14,Closed with non-monetary relief,Yes,No,CR0406381,1
2013-05-14,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2013-05-16,Closed with explanation,Yes,No,CR0406702,7843
2013-05-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-05-16,Closed with explanation,Yes,No,CR0406366,589
2013-05-13,Credit card,,APR or interest rate,,,,N/A,Web,2013-05-14,Closed with explanation,Yes,No,CR0406036,2333
2013-05-13,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-05-15,Closed with non-monetary relief,Yes,No,CR0405372,551
2013-05-13,Credit card,,Collection debt dispute,,,Older American,N/A,Web,2013-05-14,Closed with explanation,Yes,No,CR0406184,4741
2013-05-13,Credit card,,Billing disputes,,,,N/A,Web,2013-05-14,Closed with explanation,Yes,No,CR0405234,10543
2013-05-13,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2013-05-14,Closed with monetary relief,Yes,No,CR0405133,13098
2013-05-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-05-14,Closed with explanation,Yes,Yes,CR0406024,4075
2013-05-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-21,Closed with non-monetary relief,Yes,No,CR0406325,24
2013-05-13,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-05-17,Closed with explanation,Yes,No,CR0405786,13608
2013-05-12,Credit card,,Payoff process,,,Older American,N/A,Web,2013-05-15,Closed with explanation,Yes,No,CR0405112,516
2013-05-12,Credit card,,Billing disputes,,,,N/A,Web,2013-05-12,Closed with explanation,Yes,No,CR0405077,2505
2013-05-12,Credit card,,APR or interest rate,,,,N/A,Web,2013-05-12,Closed with explanation,Yes,No,CR0405082,1178
2013-05-12,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-05-13,Closed with explanation,Yes,No,CR0405374,2663
2013-05-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-14,Closed with explanation,Yes,Yes,CR0404293,12739
2013-05-11,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-05-13,Closed with explanation,Yes,No,CR0404997,194
2013-05-11,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-05-14,Closed with explanation,Yes,No,CR0405016,237
2013-05-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2013-05-14,Closed with explanation,Yes,No,CR0405046,4441
2013-05-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-05-10,Closed with explanation,Yes,No,CR0403911,5081
2013-05-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-10,Closed with monetary relief,Yes,No,CR0403213,3686
2013-05-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-10,Closed with explanation,Yes,No,CR0403885,1520
2013-05-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-05-13,Closed with explanation,Yes,No,CR0403906,210
2013-05-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-05-10,Closed with monetary relief,Yes,No,CR0403897,736
2013-05-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-05-13,Closed with explanation,Yes,No,CR0403951,2366
2013-05-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-05-10,Closed with non-monetary relief,Yes,No,CR0403882,546
2013-05-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-05-13,Closed with explanation,Yes,No,CR0403909,115
2013-05-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-05-13,Closed with monetary relief,Yes,No,CR0403952,427
2013-05-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-05-13,Closed with explanation,Yes,Yes,CR0403216,9664
2013-05-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Web,2013-05-13,Closed with explanation,Yes,No,CR0404521,2242
2013-05-09,Credit card,,Other,,,,N/A,Web,2013-05-13,Closed with explanation,Yes,No,CR0403791,4129
2013-05-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-10,Closed with explanation,Yes,No,CR0403248,1322
2013-05-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-10,Closed with explanation,Yes,No,CR0403726,4310
2013-05-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-10,Closed with monetary relief,Yes,No,CR0403281,259
2013-05-08,Credit card,,Transaction issue,,,,N/A,Web,2013-05-07,Closed with explanation,Yes,No,CR0401559,3513
2013-05-08,Credit card,,Advertising and marketing,,,,N/A,Web,2013-05-08,Closed with explanation,Yes,No,CR0401815,973
2013-05-08,Credit card,,Billing statement,,,,N/A,Web,2013-05-09,Closed with explanation,Yes,No,CR0401996,7864
2013-05-08,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-05-09,Closed with explanation,Yes,No,CR0400982,108
2013-05-08,Credit card,,Billing disputes,,,,N/A,Web,2013-07-11,Closed with explanation,Yes,No,CR0402250,954
2013-05-08,Credit card,,Other,,,,N/A,Web,2013-05-09,Closed with explanation,Yes,No,CR0402356,2107
2013-05-08,Credit card,,Other fee,,,Older American,N/A,Web,2013-05-08,Closed with explanation,Yes,No,CR0402380,1550
2013-05-08,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Web,2013-05-09,Closed with monetary relief,Yes,No,CR0401875,2668
2013-05-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-05-13,Closed with explanation,Yes,No,CR0402038,4056
2013-05-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-13,Closed with explanation,Yes,No,CR0402151,2268
2013-05-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-05-13,Closed with explanation,Yes,No,CR0402190,4129
2013-05-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-14,Closed with explanation,Yes,No,CR0402316,619
2013-05-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-05-13,Closed with monetary relief,Yes,No,CR0401668,4230
2013-05-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-05-09,Closed with explanation,Yes,No,CR0401786,2379
2013-05-08,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-05-09,Closed with monetary relief,Yes,No,CR0402117,4815
2013-05-07,Credit card,,Collection debt dispute,,,,N/A,Web,2013-05-10,Closed with explanation,Yes,No,CR0401064,1830
2013-05-07,Credit card,,Late fee,,,,N/A,Web,2013-05-07,Closed with explanation,Yes,No,CR0401284,8502
2013-05-07,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Web,2013-05-07,Closed with explanation,Yes,No,CR0400286,4277
2013-05-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-08,Closed with monetary relief,Yes,No,CR0401423,3864
2013-05-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-05-08,Closed with explanation,Yes,No,CR0401471,2359
2013-05-07,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2013-05-07,Closed with non-monetary relief,Yes,No,CR0400266,4229
2013-05-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-08,Closed with explanation,Yes,No,CR0401216,540
2013-05-07,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2013-05-07,Closed with explanation,Yes,No,CR0400259,4376
2013-05-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-07,Closed with explanation,Yes,No,CR0400937,4342
2013-05-06,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2013-05-07,Closed with explanation,Yes,No,CR0399210,32
2013-05-06,Credit card,,Other,,,,N/A,Web,2013-05-06,Closed with explanation,Yes,No,CR0400424,839
2013-05-06,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-05-07,Closed with explanation,Yes,No,CR0399853,1586
2013-05-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-07,Closed with non-monetary relief,Yes,Yes,CR0399858,4573
2013-05-05,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-05-08,Closed with explanation,Yes,No,CR0398285,269
2013-05-05,Credit card,,Cash advance fee,,,Older American,N/A,Web,2013-05-05,Closed with explanation,Yes,No,CR0399024,9569
2013-05-05,Credit card,,Collection debt dispute,,,,N/A,Web,2013-05-06,Closed with explanation,Yes,Yes,CR0398242,329
2013-05-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-06,Closed with monetary relief,Yes,No,CR0399034,5213
2013-05-04,Credit card,,Late fee,,,,N/A,Web,2013-05-03,Closed with explanation,Yes,No,CR0399471,3390
2013-05-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-06,Closed with monetary relief,Yes,No,CR0398595,1170
2013-05-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-06,Closed with non-monetary relief,Yes,No,CR0398981,1923
2013-05-04,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2013-05-07,Closed with explanation,Yes,No,CR0398993,534
2013-05-03,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-05-03,Closed with explanation,Yes,No,CR0398518,4028
2013-05-03,Credit card,,Payoff process,,,,N/A,Web,2013-05-03,Closed with explanation,Yes,No,CR0397943,9880
2013-05-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-05-06,Closed with explanation,Yes,No,CR0398730,4067
2013-05-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-05-03,Closed with monetary relief,Yes,No,CR0398508,4507
2013-05-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-05-06,Closed with monetary relief,Yes,Yes,CR0398685,3065
2013-05-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-05-03,Closed with explanation,Yes,Yes,CR0398391,675
2013-05-02,Credit card,,Transaction issue,,,,N/A,Web,2013-05-02,Closed with monetary relief,Yes,Yes,CR0396915,558
2013-05-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-03,Closed with monetary relief,Yes,No,CR0397540,143
2013-05-01,Credit card,,Other,,,,N/A,Web,2013-05-02,Closed with explanation,Yes,No,CR0396748,3540
2013-05-01,Credit card,,Billing statement,,,,N/A,Web,2013-05-02,Closed with monetary relief,Yes,Yes,CR0396185,1557
2013-05-01,Credit card,,Other fee,,,,N/A,Web,2013-05-02,Closed with explanation,Yes,No,CR0395896,217
2013-05-01,Credit card,,Arbitration,,,,N/A,Web,2013-05-01,Closed with explanation,Yes,No,CR0396805,4293
2013-05-01,Credit card,,Billing disputes,,,Older American,N/A,Web,2013-04-30,Closed with non-monetary relief,Yes,No,CR0395792,4106
2013-05-01,Credit card,,Billing disputes,,,Older American,N/A,Web,2013-05-01,Closed with explanation,Yes,No,CR0396406,417
2013-05-01,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Web,2013-05-02,Closed with explanation,Yes,No,CR0396546,3154
2013-04-30,Credit card,,Sale of account,,,,N/A,Web,2013-04-29,Closed with explanation,Yes,No,CR0394713,2825
2013-04-30,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-05-08,Closed with explanation,Yes,No,CR0394738,2773
2013-04-30,Credit card,,Convenience checks,,,,N/A,Web,2013-04-30,Closed with explanation,Yes,No,CR0395620,4773
2013-04-30,Credit card,,Rewards,,,,N/A,Web,2013-04-30,Closed with non-monetary relief,Yes,No,CR0395726,4813
2013-04-30,Credit card,,Collection debt dispute,,,,N/A,Web,2013-04-30,Closed with explanation,Yes,No,CR0395270,1433
2013-04-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-04-30,Closed with explanation,Yes,No,CR0396141,2467
2013-04-30,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Servicemember,N/A,Web,2013-05-01,Closed with explanation,Yes,No,CR0394722,5530
2013-04-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-04-30,Closed,Yes,No,CR0395264,3415
2013-04-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-04-30,Closed with explanation,Yes,Yes,CR0394718,2331
2013-04-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-05-01,Closed with non-monetary relief,Yes,No,CR0395733,3101
2013-04-29,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-04-30,Closed with explanation,Yes,No,CR0394439,1676
2013-04-29,Credit card,,Payoff process,,,,N/A,Web,2013-04-30,Closed with explanation,Yes,No,CR0394668,4083
2013-04-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-04-30,Closed with explanation,Yes,Yes,CR0394015,3835
2013-04-29,Credit card,,Privacy,,,,N/A,Web,2013-04-29,Closed with explanation,Yes,Yes,CR0393465,4388
2013-04-29,Credit card,,Billing disputes,,,,N/A,Web,2013-04-30,Closed with explanation,Yes,Yes,CR0393985,4079
2013-04-29,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,N/A,Web,2013-04-30,Closed with monetary relief,Yes,No,CR0394004,2669
2013-04-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-05-01,Closed with monetary relief,Yes,No,CR0394222,3637
2013-04-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-01,Closed with explanation,Yes,No,CR0393428,3076
2013-04-28,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2013-04-29,Closed,Yes,Yes,CR0392692,1248
2013-04-27,Credit card,,Billing statement,,,Older American,N/A,Web,2013-04-27,Closed with explanation,Yes,No,CR0393347,4601
2013-04-27,Credit card,,Collection practices,,,,N/A,Web,2013-04-27,Closed with explanation,Yes,No,CR0393337,7150
2013-04-27,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Web,2013-04-29,Closed with explanation,Yes,No,CR0393303,1783
2013-04-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-04-29,Closed with explanation,Yes,No,CR0393331,577
2013-04-26,Credit card,,Billing disputes,,,,N/A,Web,2013-04-26,Closed with explanation,Yes,No,CR0393163,1089
2013-04-26,Credit card,,Other,,,,N/A,Web,2013-04-29,Closed with non-monetary relief,Yes,No,CR0393287,1220
2013-04-26,Credit card,,Transaction issue,,,,N/A,Web,2013-04-26,Closed with explanation,Yes,No,CR0393128,3031
2013-04-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-04-29,Closed with explanation,Yes,Yes,CR0392646,1244
2013-04-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-04-26,Closed with monetary relief,Yes,No,CR0393568,1426
2013-04-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-04-26,Closed with explanation,Yes,Yes,CR0392916,929
2013-04-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-04-26,Closed with explanation,No,No,CR0392225,2402
2013-04-25,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-04-26,Closed with explanation,Yes,No,CR0390718,1686
2013-04-25,Credit card,,Billing disputes,,,,N/A,Web,2013-04-26,Closed with explanation,Yes,No,CR0391866,1366
2013-04-25,Credit card,,Billing disputes,,,,N/A,Web,2013-04-26,Closed with explanation,Yes,No,CR0391865,1650
2013-04-25,Credit card,,Arbitration,,,,N/A,Web,2013-04-25,Closed with explanation,Yes,No,CR0391367,12810
2013-04-25,Credit card,,Billing disputes,,,,N/A,Web,2013-04-26,Closed with explanation,Yes,No,CR0391867,4384
2013-04-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-04-26,Closed with monetary relief,Yes,No,CR0392131,896
2013-04-24,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-04-25,Closed with explanation,Yes,Yes,CR0390260,4758
2013-04-24,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-04-25,Closed with explanation,Yes,Yes,CR0389171,3760
2013-04-24,Credit card,,Credit line increase/decrease,,,,N/A,Web,2013-04-25,Closed with explanation,Yes,No,CR0390496,1191
2013-04-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-04-26,Closed with explanation,Yes,Yes,CR0389252,257
2013-04-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-04-25,Closed with monetary relief,Yes,No,CR0390632,4048
2013-04-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-04-24,Closed with explanation,Yes,No,CR0389855,1654
2013-04-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-04-24,Closed with explanation,Yes,No,CR0389857,5858
2013-04-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-04-26,Closed with monetary relief,Yes,No,CR0390096,4431
2013-04-24,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-04-24,Closed with explanation,Yes,Yes,CR0389889,11637
2013-04-23,Credit card,,Collection debt dispute,,,,N/A,Web,2013-04-26,Closed with explanation,Yes,No,CR0389661,1590
2013-04-23,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-04-23,Closed with explanation,Yes,No,CR0389706,202
2013-04-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-04-24,Closed with explanation,Yes,No,CR0389771,1541
2013-04-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-04-23,Closed with monetary relief,Yes,No,CR0388619,559
2013-04-22,Credit card,,Delinquent account,,,,N/A,Web,2013-04-23,Closed with explanation,Yes,No,CR0388416,2747
2013-04-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-04-23,Closed with explanation,Yes,No,CR0387544,2448
2013-04-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-04-23,Closed with explanation,Yes,No,CR0388570,4552
2013-04-22,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-04-23,Closed with explanation,Yes,Yes,CR0389023,4040
2013-04-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-04-23,Closed with explanation,Yes,No,CR0388424,1202
2013-04-21,Credit card,,Rewards,,,,N/A,Web,2013-04-23,Closed with explanation,Yes,No,CR0387510,3582
2013-04-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-04-22,Closed with monetary relief,Yes,No,CR0387882,3171
2013-04-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-04-22,Closed with monetary relief,Yes,No,CR0387210,4297
2013-04-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-04-22,Closed with explanation,Yes,No,CR0387256,2511
2013-04-19,Credit card,,Balance transfer,,,,N/A,Web,2013-04-19,Closed with monetary relief,Yes,No,CR0387044,13590
2013-04-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-04-18,Closed with explanation,Yes,No,CR0386239,4580
2013-04-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-05-24,Closed with non-monetary relief,Yes,No,CR0386231,4293
2013-04-19,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2013-04-19,Closed with monetary relief,Yes,No,CR0386270,12432
2013-04-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-04-23,Closed with explanation,Yes,No,CR0387181,4768
2013-04-18,Credit card,,Other,,,,N/A,Web,2013-04-18,Closed with explanation,Yes,No,CR0385952,4180
2013-04-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-04-19,Closed with explanation,Yes,No,CR0386082,7150
2013-04-18,Credit card,,Billing statement,,,,N/A,Web,2013-04-18,Closed with explanation,Yes,Yes,CR0386094,3945
2013-04-18,Credit card,,Collection debt dispute,,,,N/A,Web,2013-04-19,Closed with explanation,Yes,Yes,CR0386591,70
2013-04-18,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-04-19,Closed with explanation,Yes,No,CR0386166,3556
2013-04-17,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-04-17,Closed with explanation,Yes,No,CR0385291,2747
2013-04-17,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-04-17,Closed with explanation,Yes,No,CR0384030,2369
2013-04-17,Credit card,,Other,,,,N/A,Web,2013-04-17,Closed with explanation,Yes,Yes,CR0385119,463
2013-04-16,Credit card,,Other,,,,N/A,Web,2013-04-17,Closed with explanation,Yes,No,CR0383946,2770
2013-04-16,Credit card,,Credit determination,,,,N/A,Web,2013-04-17,Closed with explanation,Yes,Yes,CR0384563,8
2013-04-16,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-04-16,Closed with explanation,Yes,No,CR0384014,1212
2013-04-16,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2013-04-17,Closed with explanation,Yes,No,CR0383852,2514
2013-04-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-04-16,Closed with monetary relief,Yes,No,CR0381594,4101
2013-04-15,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-04-16,Closed with explanation,Yes,Yes,CR0382628,3802
2013-04-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-04-15,Closed with explanation,Yes,No,CR0382051,4086
2013-04-14,Credit card,,Billing statement,,,Servicemember,N/A,Web,2013-04-16,Closed with monetary relief,Yes,No,CR0381556,3176
2013-04-14,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-04-16,Closed with explanation,Yes,No,CR0382429,1218
2013-04-14,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-04-14,Closed with explanation,Yes,Yes,CR0381569,4791
2013-04-13,Credit card,,APR or interest rate,,,,N/A,Web,2013-04-16,Closed with explanation,Yes,No,CR0382069,4220
2013-04-13,Credit card,,Billing disputes,,,Older American,N/A,Web,2013-04-16,Closed with explanation,Yes,Yes,CR0381461,3207
2013-04-13,Credit card,,Credit line increase/decrease,,,,N/A,Web,2013-04-16,Closed with explanation,Yes,No,CR0381463,1107
2013-04-12,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-04-12,Closed with explanation,Yes,Yes,CR0380437,3255
2013-04-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-04-15,Closed with explanation,Yes,No,CR0380908,419
2013-04-12,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2013-04-15,Closed with explanation,Yes,No,CR0381096,1376
2013-04-11,Credit card,,Bankruptcy,,,,N/A,Web,2013-04-11,Closed with explanation,Yes,No,CR0379870,5232
2013-04-11,Credit card,,Balance transfer,,,,N/A,Web,2013-04-12,Closed with explanation,Yes,No,CR0379916,2080
2013-04-11,Credit card,,Credit determination,,,,N/A,Web,2013-04-11,Closed with explanation,Yes,No,CR0380286,501
2013-04-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-04-12,Closed with explanation,Yes,No,CR0380313,2023
2013-04-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-04-12,Closed with explanation,Yes,Yes,CR0380235,2181
2013-04-10,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2013-04-15,Closed with explanation,Yes,No,CR0379731,4499
2013-04-10,Credit card,,APR or interest rate,,,Older American,N/A,Web,2013-04-10,Closed with explanation,Yes,Yes,CR0377629,2727
2013-04-10,Credit card,,Other,,,,N/A,Web,2013-04-10,Closed with explanation,Yes,No,CR0379200,829
2013-04-10,Credit card,,Billing disputes,,,,N/A,Web,2013-04-15,Closed with explanation,Yes,Yes,CR0378761,2549
2013-04-10,Credit card,,Credit reporting,,,,N/A,Web,2013-04-15,Closed with explanation,Yes,No,CR0379074,2991
2013-04-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-04-11,Closed with explanation,Yes,Yes,CR0378768,1921
2013-04-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-04-10,Closed with explanation,Yes,No,CR0378119,1093
2013-04-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-04-12,Closed with explanation,Yes,No,CR0379095,541
2013-04-09,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-04-09,Closed with explanation,Yes,No,CR0378079,2532
2013-04-09,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-04-09,Closed with explanation,Yes,Yes,CR0377525,2806
2013-04-09,Credit card,,Cash advance,,,,N/A,Web,2013-04-09,Closed with explanation,Yes,No,CR0377465,70
2013-04-09,Credit card,,APR or interest rate,,,Older American,N/A,Web,2013-04-10,Closed with explanation,Yes,No,CR0378622,2944
2013-04-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-04-12,Closed with explanation,Yes,No,CR0377863,1558
2013-04-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-04-10,Closed with explanation,Yes,No,CR0377921,4623
2013-04-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-04-10,Closed with explanation,Yes,No,CR0377722,462
2013-04-09,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-04-10,Closed with explanation,Yes,No,CR0377983,45
2013-04-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-04-12,Closed with explanation,Yes,No,CR0376816,4586
2013-04-09,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-04-10,Closed with non-monetary relief,Yes,Yes,CR0377985,1713
2013-04-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-04-10,Closed with explanation,Yes,Yes,CR0377424,1323
2013-04-09,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,,N/A,Web,2013-04-10,Closed with explanation,Yes,No,CR0377987,3540
2013-04-08,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-04-09,Closed with explanation,Yes,No,CR0376763,1923
2013-04-08,Credit card,,Rewards,,,,N/A,Web,2013-04-08,Closed with explanation,Yes,Yes,CR0376965,11979
2013-04-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-04-09,Closed with monetary relief,Yes,No,CR0376249,1795
2013-04-07,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2013-04-07,Closed with explanation,Yes,No,CR0375998,743
2013-04-07,Credit card,,Billing disputes,,,Older American,N/A,Web,2013-05-16,Closed with non-monetary relief,Yes,No,CR0376026,3028
2013-04-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-04-08,Closed with monetary relief,Yes,No,CR0375923,441
2013-04-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-04-08,Closed with monetary relief,Yes,No,CR0374904,1159
2013-04-05,Credit card,,Balance transfer,,,,N/A,Web,2013-04-05,Closed with explanation,Yes,Yes,CR0373774,4640
2013-04-05,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-04-05,Closed with explanation,Yes,No,CR0375776,2358
2013-04-05,Credit card,,Billing disputes,,,,N/A,Web,2013-04-05,Closed with explanation,Yes,No,CR0375376,287
2013-04-05,Credit card,,APR or interest rate,,,Older American,N/A,Web,2013-04-08,Closed with non-monetary relief,Yes,Yes,CR0374959,651
2013-04-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-04-05,Closed,Yes,No,CR0374736,3453
2013-04-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-04-05,Closed with monetary relief,Yes,No,CR0375333,3037
2013-04-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-04-05,Closed with explanation,Yes,Yes,CR0375666,1044
2013-04-04,Credit card,,Rewards,,,,N/A,Web,2013-04-04,Closed with explanation,Yes,No,CR0374306,1223
2013-04-04,Credit card,,Credit reporting,,,,N/A,Web,2013-04-04,Closed with explanation,Yes,No,CR0373727,12547
2013-04-04,Credit card,,APR or interest rate,,,,N/A,Web,2013-04-05,Closed with non-monetary relief,Yes,Yes,CR0374544,415
2013-04-04,Credit card,,Credit determination,,,,N/A,Web,2013-04-04,Closed with explanation,Yes,No,CR0373711,713
2013-04-04,Credit card,,Billing disputes,,,,N/A,Web,2013-04-04,Closed with explanation,Yes,Yes,CR0374275,4512
2013-04-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-04-05,Closed with explanation,Yes,No,CR0374616,1636
2013-04-04,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-04-04,Closed with explanation,Yes,No,CR0374654,1235
2013-04-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-04-05,Closed with monetary relief,Yes,No,CR0374438,3840
2013-04-04,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-04-05,Closed with monetary relief,Yes,No,CR0374352,4036
2013-04-04,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2013-04-08,Closed with explanation,Yes,No,CR0374582,2071
2013-04-03,Credit card,,Billing disputes,,,,N/A,Web,2013-04-03,Closed with explanation,Yes,No,CR0373657,4288
2013-04-03,Credit card,,Arbitration,,,,N/A,Web,2013-04-03,Closed with explanation,Yes,Yes,CR0371768,632
2013-04-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-04-04,Closed with explanation,Yes,No,CR0373541,285
2013-04-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-04-04,Closed with explanation,Yes,No,CR0372926,208
2013-04-03,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2013-04-04,Closed with explanation,Yes,No,CR0373394,3689
2013-04-03,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2013-04-03,Closed with monetary relief,Yes,No,CR0372923,1988
2013-04-02,Credit card,,Delinquent account,,,,N/A,Web,2013-04-03,Closed with explanation,Yes,No,CR0372721,221
2013-04-02,Credit card,,APR or interest rate,,,,N/A,Web,2013-04-02,Closed with explanation,Yes,No,CR0370673,216
2013-04-02,Credit card,,Credit reporting,,,,N/A,Web,2013-04-03,Closed with explanation,Yes,No,CR0372464,6272
2013-04-02,Credit card,,Billing disputes,,,,N/A,Web,2013-04-03,Closed with explanation,Yes,No,CR0372639,1416
2013-04-02,Credit card,,Billing disputes,,,,N/A,Web,2013-04-03,Closed with explanation,Yes,No,CR0372830,4715
2013-04-02,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2013-04-03,Closed,Yes,Yes,CR0371490,640
2013-04-02,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Web,2013-04-03,Closed with monetary relief,Yes,No,CR0372648,3931
2013-04-01,Credit card,,Credit line increase/decrease,,,,N/A,Web,2013-04-02,Closed with explanation,Yes,No,CR0370874,956
2013-04-01,Credit card,,Collection debt dispute,,,,N/A,Web,2013-04-01,Closed with explanation,Yes,No,CR0371094,11978
2013-04-01,Credit card,,APR or interest rate,,,,N/A,Web,2013-04-02,Closed with explanation,Yes,No,CR0371248,4853
2013-04-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-04-02,Closed with explanation,Yes,No,CR0370969,584
2013-03-30,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-03-30,Closed with explanation,Yes,Yes,CR0370057,2143
2013-03-30,Credit card,,Credit determination,,,,N/A,Web,2013-03-29,Closed with explanation,Yes,No,CR0369984,3427
2013-03-29,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-03-29,Closed with explanation,Yes,Yes,CR0369688,13750
2013-03-29,Credit card,,Rewards,,,,N/A,Web,2013-03-29,Closed with explanation,Yes,No,CR0369677,5420
2013-03-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-03-29,Closed with non-monetary relief,Yes,No,CR0369741,3282
2013-03-29,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-03-29,Closed with monetary relief,Yes,No,CR0369754,902
2013-03-29,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2013-04-01,Closed with explanation,Yes,No,CR0369626,930
2013-03-29,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-03-29,Closed with monetary relief,Yes,Yes,CR0369792,437
2013-03-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-03-29,Closed with monetary relief,Yes,No,CR0369125,103
2013-03-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-03-29,Closed with explanation,Yes,No,CR0368415,3151
2013-03-27,Credit card,,Credit reporting,,,Older American,N/A,Web,2013-03-27,Closed with explanation,Yes,No,CR0366767,4147
2013-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-03-27,Closed with explanation,Yes,No,CR0366577,1874
2013-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-03-28,Closed with explanation,Yes,No,CR0367432,4329
2013-03-26,Credit card,,Credit reporting,,,,N/A,Web,2013-03-27,Closed with explanation,Yes,No,CR0365596,1080
2013-03-26,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2013-03-27,Closed with explanation,Yes,No,CR0365866,4254
2013-03-26,Credit card,,Billing disputes,,,,N/A,Web,2013-03-27,Closed with explanation,Yes,No,CR0365913,3886
2013-03-26,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-03-27,Closed with explanation,Yes,No,CR0364199,740
2013-03-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-03-27,Closed with explanation,Yes,No,CR0365333,3926
2013-03-26,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-03-28,Closed with monetary relief,Yes,No,CR0366513,3575
2013-03-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-03-28,Closed with explanation,Yes,No,CR0366027,2032
2013-03-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-04-05,Closed with explanation,Yes,No,CR0366141,1816
2013-03-25,Credit card,,Credit reporting,,,,N/A,Web,2013-03-25,Closed with explanation,Yes,No,CR0365116,3633
2013-03-25,Credit card,,Credit reporting,,,,N/A,Web,2013-04-15,Closed with explanation,Yes,Yes,CR0364525,937
2013-03-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-03-25,Closed with explanation,Yes,No,CR0363968,2444
2013-03-25,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2013-03-26,Closed with explanation,Yes,No,CR0365104,1115
2013-03-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-03-26,Closed with explanation,Yes,Yes,CR0365177,1736
2013-03-25,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2013-03-26,Closed with monetary relief,Yes,No,CR0365070,2384
2013-03-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-03-26,Closed,Yes,No,CR0365284,5866
2013-03-24,Credit card,,Collection debt dispute,,,,N/A,Web,2013-03-26,Closed with explanation,Yes,No,CR0363959,3503
2013-03-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-03-25,Closed with explanation,Yes,No,CR0363918,1509
2013-03-23,Credit card,,Credit reporting,,,,N/A,Web,2013-03-23,Closed with non-monetary relief,Yes,No,CR0363835,339
2013-03-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-03-22,Closed with explanation,Yes,No,CR0363807,2779
2013-03-23,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Web,2013-03-25,Closed with explanation,Yes,Yes,CR0363850,135
2013-03-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-03-25,Closed with explanation,Yes,No,CR0363878,2057
2013-03-22,Credit card,,Collection debt dispute,,,,N/A,Web,2013-03-21,Closed with explanation,Yes,No,CR0362681,6235
2013-03-22,Credit card,,Billing disputes,,,,N/A,Web,2013-03-26,Closed with explanation,Yes,No,CR0363163,2031
2013-03-22,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-03-26,Closed with explanation,Yes,No,CR0362680,1396
2013-03-22,Credit card,,Billing disputes,,,,N/A,Web,2013-03-26,Closed with monetary relief,Yes,No,CR0363311,141
2013-03-22,Credit card,,Billing disputes,,,,N/A,Web,2013-03-26,Closed with explanation,Yes,No,CR0363066,8777
2013-03-22,Credit card,,Billing disputes,,,,N/A,Web,2013-03-26,Closed with explanation,Yes,No,CR0363189,2950
2013-03-22,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-03-26,Closed with explanation,Yes,Yes,CR0363477,3643
2013-03-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2013-03-25,Closed,Yes,Yes,CR0363171,3195
2013-03-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-03-22,Closed with explanation,Yes,No,CR0363116,4606
2013-03-21,Credit card,,Collection practices,,,,N/A,Web,2013-03-22,Closed with explanation,Yes,No,CR0361497,571
2013-03-21,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Web,2013-03-22,Closed with explanation,Yes,No,CR0361537,12163
2013-03-21,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Web,2013-03-25,Closed with monetary relief,Yes,No,CR0362361,1516
2013-03-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-03-22,Closed with monetary relief,Yes,No,CR0361693,3275
2013-03-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-03-25,Closed with explanation,Yes,Yes,CR0362344,4261
2013-03-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-03-20,Closed with explanation,Yes,No,CR0360848,2512
2013-03-20,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-03-21,Closed with explanation,Yes,Yes,CR0359659,4722
2013-03-19,Credit card,,Billing disputes,,,Older American,N/A,Web,2013-03-19,Closed with explanation,Yes,No,CR0360041,4552
2013-03-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-03-20,Closed with monetary relief,Yes,No,CR0359055,2718
2013-03-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-03-20,Closed with explanation,Yes,No,CR0359087,2096
2013-03-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-03-20,Closed with monetary relief,Yes,No,CR0359702,961
2013-03-18,Credit card,,Billing disputes,,,,N/A,Web,2013-03-18,Closed with explanation,Yes,No,CR0358069,521
2013-03-18,Credit card,,Collection practices,,,,N/A,Web,2013-03-19,Closed with explanation,Yes,Yes,CR0358921,1917
2013-03-18,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-03-18,Closed with explanation,Yes,No,CR0358484,4673
2013-03-18,Credit card,,Billing disputes,,,Older American,N/A,Web,2013-03-18,Closed with monetary relief,Yes,No,CR0358265,3838
2013-03-18,Credit card,,Billing disputes,,,,N/A,Web,2013-03-18,Closed with explanation,Yes,Yes,CR0358166,487
2013-03-18,Credit card,,Billing disputes,,,,N/A,Web,2013-03-18,Closed with explanation,Yes,Yes,CR0358431,4713
2013-03-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-03-18,Closed with monetary relief,Yes,No,CR0358019,2693
2013-03-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-03-18,Closed with monetary relief,Yes,No,CR0357874,5189
2013-03-16,Credit card,,Collection debt dispute,,,,N/A,Web,2013-03-18,Closed with explanation,Yes,Yes,CR0356167,4349
2013-03-16,Credit card,,Other fee,,,,N/A,Web,2013-03-16,Closed with explanation,Yes,No,CR0357845,4029
2013-03-15,Credit card,,Other,,,,N/A,Web,2013-03-15,Closed with monetary relief,Yes,No,CR0357310,1159
2013-03-15,Credit card,,Payoff process,,,,N/A,Web,2013-03-15,Closed with non-monetary relief,Yes,No,CR0357564,5213
2013-03-15,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2013-03-18,Closed with explanation,Yes,Yes,CR0357711,3083
2013-03-14,Credit card,,Credit reporting,,,Older American,N/A,Web,2013-03-14,Closed with non-monetary relief,Yes,No,CR0353334,3324
2013-03-14,Credit card,,Collection debt dispute,,,,N/A,Web,2013-03-14,Closed with explanation,Yes,No,CR0353819,11130
2013-03-14,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-03-14,Closed with explanation,Yes,No,CR0353679,4492
2013-03-14,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-03-14,Closed with explanation,Yes,No,CR0353686,2962
2013-03-14,Credit card,,Delinquent account,,,,N/A,Web,2013-03-14,Closed with non-monetary relief,Yes,Yes,CR0354771,4618
2013-03-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-03-15,Closed,Yes,No,CR0354556,977
2013-03-14,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-03-15,Closed with monetary relief,Yes,No,CR0355437,1557
2013-03-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-03-14,Closed with monetary relief,Yes,No,CR0354306,1982
2013-03-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-03-14,Closed with monetary relief,Yes,No,CR0354587,3538
2013-03-13,Credit card,,Sale of account,,,,N/A,Web,2013-03-13,Closed with explanation,Yes,No,CR0352642,4553
2013-03-13,Credit card,,Other,,,Older American,N/A,Web,2013-03-14,Closed with non-monetary relief,Yes,No,CR0353499,3973
2013-03-13,Credit card,,Rewards,,,,N/A,Web,2013-03-12,Closed with non-monetary relief,Yes,No,CR0351565,1467
2013-03-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-03-13,Closed with monetary relief,Yes,No,CR0351575,4886
2013-03-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-03-14,Closed with explanation,Yes,No,CR0353543,3888
2013-03-13,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2013-03-14,Closed with explanation,Yes,No,CR0352693,2808
2013-03-12,Credit card,,Privacy,,,Older American,N/A,Web,2013-03-12,Closed with explanation,Yes,No,CR0350655,258
2013-03-12,Credit card,,Credit line increase/decrease,,,,N/A,Web,2013-03-13,Closed with explanation,Yes,No,CR0350711,3413
2013-03-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-03-12,Closed with explanation,Yes,No,CR0350913,2264
2013-03-11,Credit card,,Credit reporting,,,,N/A,Web,2013-03-12,Closed with non-monetary relief,Yes,Yes,CR0348725,2195
2013-03-11,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2013-03-11,Closed with explanation,Yes,Yes,CR0349223,1770
2013-03-11,Credit card,,Credit reporting,,,,N/A,Web,2013-03-12,Closed with explanation,Yes,No,CR0349437,2994
2013-03-11,Credit card,,Transaction issue,,,Older American,N/A,Web,2013-03-11,Closed with explanation,Yes,No,CR0348877,2375
2013-03-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-03-12,Closed with monetary relief,Yes,No,CR0349049,4478
2013-03-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-03-12,Closed with explanation,Yes,No,CR0349775,824
2013-03-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-03-12,Closed with explanation,Yes,No,CR0349842,2139
2013-03-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-03-13,Closed with explanation,Yes,Yes,CR0347921,736
2013-03-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-03-13,Closed with explanation,Yes,Yes,CR0346817,202
2013-03-08,Credit card,,Delinquent account,,,,N/A,Web,2013-03-12,Closed with explanation,Yes,No,CR0346155,751
2013-03-08,Credit card,,APR or interest rate,,,,N/A,Web,2013-03-08,Closed with explanation,Yes,No,CR0347856,3812
2013-03-08,Credit card,,Rewards,,,,N/A,Web,2013-03-08,Closed with explanation,Yes,No,CR0346246,3188
2013-03-08,Credit card,,Other fee,,,,N/A,Web,2013-03-08,Closed with explanation,Yes,No,CR0346228,288
2013-03-07,Credit card,,Credit reporting,,,Older American,N/A,Web,2013-03-07,Closed with explanation,Yes,No,CR0346527,128
2013-03-07,Credit card,,Privacy,,,Older American,N/A,Web,2013-03-12,Closed with explanation,Yes,No,CR0345715,2033
2013-03-07,Credit card,,Other,,,,N/A,Web,2013-03-07,Closed with explanation,Yes,No,CR0346015,778
2013-03-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-03-08,Closed with non-monetary relief,Yes,No,CR0345153,3035
2013-03-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-03-08,Closed with monetary relief,Yes,No,CR0345597,2846
2013-03-06,Credit card,,Other,,,,N/A,Web,2013-03-06,Closed with non-monetary relief,Yes,No,CR0342958,4086
2013-03-06,Credit card,,Credit reporting,,,,N/A,Web,2013-03-06,Closed with explanation,Yes,No,CR0343903,4786
2013-03-06,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2013-03-11,Closed with explanation,Yes,Yes,CR0344130,2046
2013-03-06,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2013-03-07,Closed with explanation,Yes,No,CR0344726,2719
2013-03-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-03-06,Closed with monetary relief,Yes,No,CR0343760,3562
2013-03-06,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-03-06,Closed with explanation,Yes,No,CR0342978,1348
2013-03-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-03-07,Closed with explanation,Yes,No,CR0343965,8130
2013-03-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-03-07,Closed with non-monetary relief,Yes,No,CR0343050,528
2013-03-06,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-03-07,Closed with non-monetary relief,Yes,No,CR0343661,2141
2013-03-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-03-07,Closed with explanation,Yes,No,CR0343841,9362
2013-03-05,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-03-05,Closed with explanation,Yes,No,CR0341613,2850
2013-03-05,Credit card,,Billing disputes,,,,N/A,Web,2013-03-15,Closed with non-monetary relief,Yes,Yes,CR0342512,1944
2013-03-05,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2013-03-05,Closed with monetary relief,Yes,No,CR0341630,4480
2013-03-05,Credit card,,Bankruptcy,,,,N/A,Web,2013-03-06,Closed with explanation,Yes,No,CR0342610,1844
2013-03-05,Credit card,,Credit reporting,,,,N/A,Web,2013-03-06,Closed with non-monetary relief,Yes,No,CR0342642,4209
2013-03-05,Credit card,,Billing disputes,,,,N/A,Web,2013-03-06,Closed with explanation,Yes,No,CR0342858,1026
2013-03-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-03-05,Closed with explanation,Yes,No,CR0341644,1671
2013-03-05,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-03-05,Closed with monetary relief,Yes,No,CR0342289,3228
2013-03-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-03-06,Closed with monetary relief,Yes,No,CR0342480,3870
2013-03-04,Credit card,,Payoff process,,,Older American,N/A,Web,2013-03-05,Closed with non-monetary relief,Yes,No,CR0341541,1
2013-03-04,Credit card,,Arbitration,,,,N/A,Web,2013-03-05,Closed with explanation,Yes,Yes,CR0340056,2040
2013-03-04,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-03-05,Closed with monetary relief,Yes,No,CR0340948,5337
2013-03-03,Credit card,,Billing statement,,,,N/A,Web,2013-03-03,Closed with monetary relief,Yes,No,CR0340010,9997
2013-03-03,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2013-03-05,Closed with explanation,Yes,No,CR0339947,4012
2013-03-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-03-04,Closed with explanation,Yes,No,CR0339126,7311
2013-03-02,Credit card,,Billing disputes,,,,N/A,Web,2013-03-01,Closed with monetary relief,Yes,No,CR0339891,2385
2013-03-02,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-03-02,Closed with explanation,Yes,Yes,CR0339927,284
2013-03-02,Credit card,,APR or interest rate,,,,N/A,Web,2013-03-04,Closed with explanation,Yes,No,CR0339053,269
2013-03-02,Credit card,,Credit reporting,,,,N/A,Web,2013-03-04,Closed with explanation,Yes,No,CR0339213,3915
2013-03-02,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2013-03-04,Closed with explanation,Yes,No,CR0339897,2961
2013-03-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-03-04,Closed with monetary relief,Yes,No,CR0339815,1241
2013-03-02,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2013-03-04,Closed with explanation,Yes,No,CR0339939,3038
2013-03-01,Credit card,,Transaction issue,,,Older American,N/A,Web,2013-03-01,Closed with non-monetary relief,Yes,No,CR0339515,4430
2013-03-01,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Web,2013-03-01,Closed with explanation,Yes,No,CR0338643,2358
2013-03-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-05-03,Closed with monetary relief,Yes,No,CR0338633,2548
2013-02-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-02-28,Closed with explanation,Yes,No,CR0338303,3934
2013-02-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-03-01,Closed with explanation,Yes,Yes,CR0338251,12568
2013-02-28,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-03-01,Closed with non-monetary relief,Yes,No,CR0338444,1691
2013-02-27,Credit card,,Credit line increase/decrease,,,,N/A,Web,2013-02-28,Closed with non-monetary relief,Yes,Yes,CR0333301,6185
2013-02-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-03-21,Closed with explanation,Yes,No,CR0335364,4
2013-02-27,Credit card,,Balance transfer,,,,N/A,Web,2013-02-27,Closed with explanation,Yes,No,CR0336605,4098
2013-02-27,Credit card,,Billing disputes,,,,N/A,Web,2013-02-27,Closed with explanation,Yes,Yes,CR0337300,2070
2013-02-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-02-27,Closed with non-monetary relief,Yes,No,CR0335336,3002
2013-02-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-02-28,Closed with monetary relief,Yes,No,CR0336719,1353
2013-02-26,Credit card,,Other fee,,,,N/A,Web,2013-02-26,Closed with non-monetary relief,Yes,No,CR0332202,2370
2013-02-26,Credit card,,Other,,,,N/A,Web,2013-02-26,Closed with explanation,Yes,No,CR0334335,2507
2013-02-26,Credit card,,APR or interest rate,,,,N/A,Web,2013-02-25,Closed with explanation,Yes,No,CR0331594,1903
2013-02-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-02-26,Closed with explanation,Yes,No,CR0329787,2286
2013-02-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-02-28,Closed with monetary relief,Yes,No,CR0334187,949
2013-02-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Web,2013-02-26,Closed with explanation,Yes,No,CR0332823,2530
2013-02-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-02-27,Closed with monetary relief,Yes,No,CR0334016,4769
2013-02-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-02-25,Closed with explanation,Yes,No,CR0330177,5774
2013-02-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-02-26,Closed with non-monetary relief,Yes,No,CR0330162,2845
2013-02-24,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-02-24,Closed with explanation,Yes,No,CR0329147,742
2013-02-24,Credit card,,Billing statement,,,,N/A,Web,2013-02-25,Closed with explanation,Yes,No,CR0329128,3172
2013-02-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-02-25,Closed with explanation,Yes,Yes,CR0328991,2123
2013-02-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-02-22,Closed with explanation,Yes,No,CR0327892,559
2013-02-22,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-02-22,Closed with explanation,Yes,No,CR0327927,2515
2013-02-22,Credit card,,Bankruptcy,,,,N/A,Web,2013-02-25,Closed with explanation,Yes,No,CR0327938,452
2013-02-22,Credit card,,Billing disputes,,,,N/A,Web,2013-02-25,Closed with non-monetary relief,Yes,Yes,CR0328378,3936
2013-02-22,Credit card,,Late fee,,,,N/A,Web,2013-02-25,Closed with monetary relief,Yes,No,CR0328306,2295
2013-02-22,Credit card,,Credit reporting,,,,N/A,Web,2013-02-25,Closed with explanation,Yes,No,CR0327701,628
2013-02-22,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-02-25,Closed with non-monetary relief,Yes,Yes,CR0327866,11371
2013-02-22,Bank account or service,Checking account,Using a debit or ATM card,,,Servicemember,N/A,Web,2013-02-22,Closed with explanation,Yes,No,CR0327313,6798
2013-02-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-02-22,Closed with non-monetary relief,Yes,No,CR0328704,1158
2013-02-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-02-22,Closed with explanation,Yes,Yes,CR0326159,11686
2013-02-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-02-22,Closed with explanation,Yes,No,CR0326911,11105
2013-02-21,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-02-22,Closed with explanation,Yes,No,CR0324426,2899
2013-02-21,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-03-05,Closed with explanation,Yes,No,CR0325525,1649
2013-02-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-02-21,Closed with explanation,Yes,Yes,CR0325786,9226
2013-02-21,Credit card,,Billing disputes,,,,N/A,Web,2013-02-21,Closed with explanation,Yes,No,CR0325806,4166
2013-02-21,Credit card,,APR or interest rate,,,,N/A,Web,2013-02-21,Closed with explanation,Yes,Yes,CR0325903,428
2013-02-21,Credit card,,Other,,,,N/A,Web,2013-02-21,Closed with explanation,Yes,No,CR0325646,1206
2013-02-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-02-22,Closed with monetary relief,Yes,No,CR0326006,999
2013-02-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-02-21,Closed with monetary relief,Yes,No,CR0324399,4681
2013-02-20,Credit card,,Other,,,,N/A,Web,2013-02-20,Closed with explanation,Yes,No,CR0322231,11008
2013-02-20,Credit card,,Billing statement,,,,N/A,Web,2013-02-20,Closed with explanation,Yes,No,CR0323622,3977
2013-02-20,Credit card,,Late fee,,,,N/A,Web,2013-02-20,Closed with non-monetary relief,Yes,No,CR0324179,2348
2013-02-20,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-02-20,Closed with explanation,Yes,No,CR0321509,5152
2013-02-20,Credit card,,Late fee,,,,N/A,Web,2013-02-21,Closed with non-monetary relief,Yes,No,CR0323362,3803
2013-02-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-02-20,Closed with explanation,Yes,No,CR0321494,3945
2013-02-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-02-21,Closed with explanation,Yes,No,CR0323320,7797
2013-02-20,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Web,2013-02-21,Closed with monetary relief,Yes,No,CR0324326,882
2013-02-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-02-21,Closed with monetary relief,Yes,Yes,CR0321993,2085
2013-02-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-02-21,Closed with explanation,Yes,No,CR0323981,4532
2013-02-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-02-21,Closed with monetary relief,Yes,No,CR0324245,3036
2013-02-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-02-20,Closed with explanation,Yes,No,CR0321358,11208
2013-02-18,Credit card,,Credit reporting,,,,N/A,Web,2013-02-18,Closed with non-monetary relief,Yes,No,CR0319021,1693
2013-02-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-02-19,Closed with non-monetary relief,Yes,Yes,CR0318903,1669
2013-02-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-02-19,Closed with explanation,Yes,No,CR0318971,11461
2013-02-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-02-19,Closed with explanation,Yes,No,CR0318128,6946
2013-02-18,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-02-19,Closed with monetary relief,Yes,No,CR0318986,1002
2013-02-17,Credit card,,Payoff process,,,,N/A,Web,2013-02-20,Closed with explanation,Yes,No,CR0318832,148
2013-02-17,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,"Older American, Servicemember",N/A,Web,2013-02-20,Closed with explanation,Yes,No,CR0318868,6318
2013-02-16,Credit card,,APR or interest rate,,,,N/A,Web,2013-02-16,Closed with explanation,Yes,No,CR0318764,1759
2013-02-16,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2013-02-20,Closed with monetary relief,Yes,Yes,CR0318767,3661
2013-02-15,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2013-03-05,Closed with explanation,Yes,No,CR0317929,183
2013-02-15,Credit card,,Credit reporting,,,Servicemember,N/A,Web,2013-02-20,Closed with non-monetary relief,Yes,No,CR0318665,2968
2013-02-15,Credit card,,Billing disputes,,,,N/A,Web,2013-02-19,Closed with explanation,Yes,No,CR0318114,2963
2013-02-15,Credit card,,Credit reporting,,,,N/A,Web,2013-02-19,Closed with explanation,Yes,No,CR0318518,4552
2013-02-15,Credit card,,Credit reporting,,,,N/A,Web,2013-02-15,Closed with explanation,Yes,Yes,CR0318447,3496
2013-02-15,Bank account or service,Checking account,Using a debit or ATM card,,,Servicemember,N/A,Web,2013-02-19,Closed with explanation,Yes,No,CR0318123,3850
2013-02-15,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2013-02-19,Closed with explanation,Yes,Yes,CR0318618,1875
2013-02-15,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2013-02-15,Closed with explanation,Yes,No,CR0317846,2059
2013-02-15,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-02-15,Closed with explanation,Yes,No,CR0318172,335
2013-02-14,Credit card,,APR or interest rate,,,Older American,N/A,Web,2013-02-15,Closed with non-monetary relief,Yes,No,CR0316977,1563
2013-02-14,Credit card,,Rewards,,,,N/A,Web,2013-03-06,Closed with explanation,Yes,No,CR0317025,4414
2013-02-14,Credit card,,Billing disputes,,,,N/A,Web,2013-02-19,Closed with explanation,Yes,No,CR0317776,1970
2013-02-14,Credit card,,Collection debt dispute,,,,N/A,Web,2013-02-14,Closed with explanation,Yes,No,CR0316198,819
2013-02-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-02-15,Closed with explanation,Yes,No,CR0316606,3086
2013-02-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-02-15,Closed with monetary relief,Yes,No,CR0316947,859
2013-02-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-02-15,Closed with monetary relief,Yes,No,CR0316841,2332
2013-02-13,Credit card,,Credit determination,,,Older American,N/A,Web,2013-02-14,Closed with explanation,Yes,No,CR0317210,6275
2013-02-13,Credit card,,APR or interest rate,,,,N/A,Web,2013-02-14,Closed with monetary relief,Yes,No,CR0317752,4778
2013-02-13,Credit card,,Billing disputes,,,,N/A,Web,2013-02-14,Closed with explanation,Yes,No,CR0316481,4296
2013-02-13,Credit card,,Other,,,,N/A,Web,2013-02-13,Closed with explanation,Yes,No,CR0315317,11
2013-02-13,Credit card,,Billing disputes,,,Older American,N/A,Web,2013-02-14,Closed with explanation,Yes,No,CR0315994,1774
2013-02-13,Credit card,,Credit reporting,,,,N/A,Web,2013-02-13,Closed with monetary relief,Yes,No,CR0315322,3891
2013-02-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-02-14,Closed with explanation,Yes,No,CR0315489,1335
2013-02-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-02-15,Closed with non-monetary relief,Yes,No,CR0316282,4010
2013-02-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-02-27,Closed with explanation,Yes,No,CR0315284,724
2013-02-13,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-02-15,Closed with explanation,Yes,No,CR0315343,2762
2013-02-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-02-15,Closed with monetary relief,Yes,No,CR0316436,2948
2013-02-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-02-15,Closed with monetary relief,Yes,No,CR0315342,406
2013-02-12,Credit card,,Billing statement,,,,N/A,Web,2013-02-13,Closed with explanation,Yes,No,CR0315210,416
2013-02-12,Credit card,,Credit reporting,,,,N/A,Web,2013-02-12,Closed with non-monetary relief,Yes,Yes,CR0314046,4463
2013-02-12,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-02-12,Closed with explanation,Yes,No,CR0315042,1267
2013-02-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-02-12,Closed with explanation,Yes,No,CR0314876,2153
2013-02-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-02-13,Closed with explanation,Yes,No,CR0315059,989
2013-02-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-02-14,Closed with monetary relief,Yes,No,CR0315209,4478
2013-02-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-02-13,Closed with explanation,Yes,No,CR0315058,3946
2013-02-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-02-14,Closed with monetary relief,Yes,No,CR0315240,915
2013-02-11,Credit card,,Credit reporting,,,,N/A,Web,2013-02-10,Closed with monetary relief,Yes,Yes,CR0312561,11122
2013-02-11,Credit card,,Credit reporting,,,Older American,N/A,Web,2013-02-11,Closed with explanation,Yes,No,CR0313753,7299
2013-02-11,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-02-14,Closed with explanation,Yes,No,CR0313555,4972
2013-02-10,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-02-11,Closed with non-monetary relief,Yes,Yes,CR0312508,3608
2013-02-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-02-11,Closed with explanation,Yes,No,CR0312528,236
2013-02-09,Credit card,,Collection debt dispute,,,,N/A,Web,2013-02-11,Closed with explanation,Yes,No,CR0312455,491
2013-02-09,Credit card,,Other,,,,N/A,Web,2013-02-11,Closed with explanation,Yes,No,CR0313133,2213
2013-02-09,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-02-11,Closed with non-monetary relief,Yes,No,CR0312406,1256
2013-02-09,Credit card,,Billing disputes,,,,N/A,Web,2013-02-11,Closed with monetary relief,Yes,No,CR0312866,2402
2013-02-09,Credit card,,Collection debt dispute,,,,N/A,Web,2013-02-11,Closed with explanation,Yes,No,CR0312409,3268
2013-02-09,Credit card,,Billing statement,,,,N/A,Web,2013-03-11,Closed with explanation,Yes,No,CR0312377,1832
2013-02-09,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-02-12,Closed with non-monetary relief,Yes,No,CR0312459,3047
2013-02-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-02-12,Closed with explanation,Yes,No,CR0312462,1866
2013-02-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-02-12,Closed with monetary relief,Yes,No,CR0312471,4269
2013-02-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-02-12,Closed with explanation,Yes,No,CR0312442,9593
2013-02-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-02-11,Closed with explanation,Yes,No,CR0311476,2288
2013-02-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-02-12,Closed with monetary relief,Yes,No,CR0311933,1037
2013-02-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-02-08,Closed with explanation,Yes,No,CR0311373,4023
2013-02-08,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2013-02-08,Closed with explanation,Yes,No,CR0310564,2333
2013-02-07,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-02-07,Closed with monetary relief,Yes,No,CR0308933,2961
2013-02-07,Credit card,,Collection practices,,,,N/A,Web,2013-02-07,Closed with explanation,Yes,Yes,CR0308198,2615
2013-02-07,Credit card,,APR or interest rate,,,,N/A,Web,2013-02-07,Closed with explanation,Yes,No,CR0306753,264
2013-02-07,Credit card,,Transaction issue,,,,N/A,Web,2013-02-06,Closed with explanation,Yes,No,CR0291682,4795
2013-02-07,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2013-02-11,Closed with monetary relief,Yes,No,CR0308073,3935
2013-02-07,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Web,2013-02-08,Closed with explanation,Yes,No,CR0310086,4671
2013-02-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-02-07,Closed with explanation,Yes,No,CR0306901,5159
2013-02-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-02-11,Closed with explanation,Yes,Yes,CR0293017,4708
2013-02-06,Credit card,,Collection debt dispute,,,,N/A,Web,2013-02-06,Closed with explanation,Yes,No,CR0304334,1474
2013-02-06,Credit card,,Other,,,,N/A,Web,2013-02-06,Closed with explanation,Yes,No,CR0303357,3425
2013-02-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2013-02-08,Closed with explanation,Yes,Yes,CR0305966,9362
2013-02-05,Credit card,,Credit reporting,,,,N/A,Web,2013-02-06,Closed with non-monetary relief,Yes,Yes,CR0301629,2692
2013-02-05,Credit card,,Collection debt dispute,,,,N/A,Web,2013-02-05,Closed with explanation,Yes,Yes,CR0297777,2568
2013-02-05,Credit card,,Billing disputes,,,Older American,N/A,Web,2013-02-05,Closed with explanation,Yes,Yes,CR0299193,2321
2013-02-05,Credit card,,Delinquent account,,,,N/A,Web,2013-02-06,Closed with non-monetary relief,Yes,No,CR0300389,673
2013-02-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-02-08,Closed with explanation,Yes,No,CR0300411,2411
2013-02-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-02-06,Closed with monetary relief,Yes,No,CR0301813,1265
2013-02-05,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-02-06,Closed with explanation,Yes,No,CR0300096,13346
2013-02-04,Credit card,,Transaction issue,,,,N/A,Web,2013-02-05,Closed with explanation,Yes,No,CR0292895,47
2013-02-04,Credit card,,Arbitration,,,,N/A,Web,2013-02-04,Closed with non-monetary relief,Yes,No,CR0286022,3240
2013-02-04,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-02-04,Closed with explanation,Yes,No,CR0289894,1956
2013-02-04,Credit card,,Advertising and marketing,,,,N/A,Web,2013-02-04,Closed with non-monetary relief,Yes,No,CR0296315,1738
2013-02-04,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,N/A,Web,2013-02-06,Closed with explanation,Yes,No,CR0297308,3727
2013-02-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-02-04,Closed with monetary relief,Yes,No,CR0293419,2772
2013-02-04,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-02-06,Closed with explanation,Yes,No,CR0285751,974
2013-02-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-02-04,Closed with explanation,Yes,No,CR0295300,4740
2013-02-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-02-07,Closed with explanation,Yes,No,CR0289851,1799
2013-02-02,Credit card,,Late fee,,,,N/A,Web,2013-02-04,Closed with monetary relief,Yes,No,CR0289169,2463
2013-02-02,Credit card,,Balance transfer,,,,N/A,Web,2013-02-01,Closed with explanation,Yes,No,CR0288458,2565
2013-02-02,Credit card,,Credit reporting,,,,N/A,Web,2013-02-02,Closed with explanation,Yes,No,CR0289533,3058
2013-02-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-02-04,Closed with explanation,Yes,No,CR0288532,4279
2013-02-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-02-07,Closed with explanation,Yes,No,CR0285762,4491
2013-02-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-02-07,Closed,Yes,No,CR0289807,2361
2013-02-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-02-07,Closed with non-monetary relief,Yes,No,CR0288761,2871
2013-02-01,Credit card,,Other fee,,,,N/A,Web,2013-02-01,Closed with monetary relief,Yes,No,CR0283912,1096
2013-02-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-02-01,Closed with monetary relief,Yes,No,CR0285071,7186
2013-02-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-02-01,Closed with explanation,Yes,No,CR0286761,5141
2013-02-01,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-02-04,Closed with explanation,Yes,No,CR0286815,4747
2013-01-31,Credit card,,Credit reporting,,,,N/A,Web,2013-01-31,Closed with explanation,Yes,No,CR0282539,5320
2013-01-31,Credit card,,Transaction issue,,,,N/A,Web,2013-01-30,Closed with explanation,Yes,No,CR0278654,5325
2013-01-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-01-31,Closed with explanation,Yes,No,CR0280658,878
2013-01-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-02-01,Closed with explanation,Yes,No,CR0282606,2635
2013-01-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-01-31,Closed with explanation,Yes,No,CR0278664,4505
2013-01-30,Credit card,,Credit reporting,,,,N/A,Web,2013-01-30,Closed with explanation,Yes,Yes,CR0268538,2182
2013-01-30,Credit card,,Credit reporting,,,,N/A,Web,2013-01-30,Closed with explanation,Yes,No,CR0274795,1223
2013-01-30,Credit card,,Cash advance fee,,,,N/A,Web,2013-01-30,Closed with explanation,Yes,No,CR0278078,26
2013-01-30,Credit card,,Billing disputes,,,,N/A,Web,2013-01-31,Closed with explanation,Yes,No,CR0278190,1772
2013-01-30,Credit card,,Credit reporting,,,,N/A,Web,2013-01-31,Closed with explanation,Yes,No,CR0281858,4426
2013-01-30,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-01-30,Closed with non-monetary relief,Yes,Yes,CR0274208,2290
2013-01-30,Credit card,,Credit line increase/decrease,,,,N/A,Web,2013-01-30,Closed with explanation,Yes,No,CR0274663,929
2013-01-30,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2013-01-30,Closed with explanation,Yes,No,CR0278072,3708
2013-01-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-01-30,Closed with monetary relief,Yes,No,CR0281093,11362
2013-01-30,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2013-01-31,Closed with explanation,Yes,Yes,CR0276656,12095
2013-01-29,Credit card,,Other,,,,N/A,Web,2013-01-30,Closed with explanation,Yes,Yes,CR0281036,294
2013-01-29,Credit card,,Credit determination,,,,N/A,Web,2013-01-29,Closed with explanation,Yes,No,CR0273146,4449
2013-01-29,Credit card,,Billing statement,,,Servicemember,N/A,Web,2013-01-30,Closed with explanation,Yes,Yes,CR0273636,3361
2013-01-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2013-01-28,Closed with explanation,Yes,Yes,CR0270654,4061
2013-01-29,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-01-29,Closed with monetary relief,Yes,No,CR0272423,3641
2013-01-29,Credit card,,Cash advance,,,Older American,N/A,Web,2013-01-29,Closed with non-monetary relief,Yes,Yes,CR0272781,1360
2013-01-29,Credit card,,Unsolicited issuance of credit card,,,Older American,N/A,Web,2013-01-29,Closed with monetary relief,Yes,No,CR0273252,141
2013-01-29,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-01-29,Closed with non-monetary relief,Yes,Yes,CR0272357,1916
2013-01-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-01-29,Closed with explanation,Yes,No,CR0273250,3832
2013-01-29,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-01-30,Closed with explanation,Yes,No,CR0270628,9362
2013-01-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-01-30,Closed with explanation,Yes,No,CR0273624,3229
2013-01-28,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-01-28,Closed with explanation,Yes,No,CR0266245,4552
2013-01-28,Credit card,,Advertising and marketing,,,,N/A,Web,2013-01-28,Closed with explanation,Yes,No,CR0269156,3158
2013-01-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-01-31,Closed with explanation,Yes,No,CR0268460,765
2013-01-28,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-01-28,Closed with explanation,Yes,No,CR0266151,3043
2013-01-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-01-29,Closed with explanation,Yes,No,CR0267297,1487
2013-01-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-01-30,Closed with monetary relief,Yes,No,CR0270343,8678
2013-01-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-01-28,Closed with monetary relief,Yes,No,CR0265880,4244
2013-01-27,Credit card,,Collection practices,,,,N/A,Web,2013-01-29,Closed with explanation,Yes,No,CR0265317,248
2013-01-27,Credit card,,Credit reporting,,,,N/A,Web,2013-01-29,Closed with explanation,Yes,Yes,CR0265260,4927
2013-01-27,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2013-01-29,Closed with monetary relief,Yes,No,CR0265320,489
2013-01-26,Credit card,,Rewards,,,,N/A,Web,2013-01-26,Closed with explanation,Yes,No,CR0265113,2890
2013-01-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-01-28,Closed with explanation,Yes,No,CR0265135,45
2013-01-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-01-29,Closed with monetary relief,Yes,No,CR0265213,11874
2013-01-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-01-30,Closed with explanation,Yes,No,CR0265041,10528
2013-01-25,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-01-28,Closed with non-monetary relief,Yes,Yes,CR0264712,531
2013-01-25,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-01-25,Closed with explanation,Yes,No,CR0263663,9776
2013-01-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-01-25,Closed with monetary relief,Yes,No,CR0262503,2480
2013-01-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-01-25,Closed with non-monetary relief,Yes,No,CR0267632,137
2013-01-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-01-25,Closed with monetary relief,Yes,No,CR0263468,164
2013-01-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-01-25,Closed with explanation,Yes,No,CR0264595,1140
2013-01-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-01-25,Closed with explanation,Yes,Yes,CR0267674,1937
2013-01-24,Credit card,,Credit reporting,,,,N/A,Web,2013-01-24,Closed with explanation,Yes,No,CR0260792,7753
2013-01-24,Credit card,,Credit reporting,,,,N/A,Web,2013-01-29,Closed with explanation,Yes,No,CR0261051,2967
2013-01-24,Credit card,,Collection debt dispute,,,,N/A,Web,2013-01-23,Closed with explanation,Yes,No,CR0257832,13998
2013-01-24,Credit card,,Collection debt dispute,,,Older American,N/A,Web,2013-01-25,Closed with monetary relief,Yes,No,CR0262172,4196
2013-01-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-01-24,Closed with monetary relief,Yes,No,CR0258981,13469
2013-01-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-01-24,Closed with explanation,Yes,No,CR0258982,1315
2013-01-24,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2013-01-25,Closed with monetary relief,Yes,No,CR0260780,372
2013-01-23,Credit card,,Payoff process,,,,N/A,Web,2013-01-23,Closed with monetary relief,Yes,No,CR0256590,2969
2013-01-22,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-01-23,Closed with explanation,Yes,Yes,CR0249444,3258
2013-01-22,Credit card,,Balance transfer,,,Older American,N/A,Web,2013-01-22,Closed with non-monetary relief,Yes,No,CR0249470,3063
2013-01-22,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2013-01-21,Closed with explanation,Yes,No,CR0249445,4524
2013-01-22,Credit card,,Collection practices,,,,N/A,Web,2013-01-22,Closed with explanation,Yes,No,CR0252667,627
2013-01-22,Credit card,,Other fee,,,,N/A,Web,2013-01-22,Closed with explanation,Yes,Yes,CR0251480,4407
2013-01-22,Credit card,,Credit reporting,,,,N/A,Web,2013-01-23,Closed with explanation,Yes,Yes,CR0251491,5223
2013-01-22,Credit card,,Late fee,,,,N/A,Web,2013-01-22,Closed with monetary relief,Yes,No,CR0251958,4040
2013-01-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-01-23,Closed with monetary relief,Yes,No,CR0251827,2255
2013-01-21,Credit card,,Billing disputes,,,,N/A,Web,2013-01-22,Closed with explanation,Yes,No,CR0249337,668
2013-01-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-01-24,Closed with explanation,Yes,No,CR0249298,9403
2013-01-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-01-24,Closed with explanation,Yes,No,CR0249299,1440
2013-01-19,Credit card,,Billing disputes,,,,N/A,Web,2013-01-18,Closed with explanation,Yes,No,CR0248990,71
2013-01-19,Credit card,,Collection practices,,,,N/A,Web,2013-01-19,Closed with non-monetary relief,Yes,No,CR0249181,1070
2013-01-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-01-22,Closed with explanation,Yes,No,CR0249238,4737
2013-01-18,Credit card,,Transaction issue,,,,N/A,Web,2013-01-22,Closed with explanation,Yes,Yes,CR0243084,3506
2013-01-18,Credit card,,Customer service / Customer relations,,,,N/A,Web,2013-01-18,Closed with explanation,Yes,No,CR0242981,2781
2013-01-18,Credit card,,APR or interest rate,,,,N/A,Web,2013-01-18,Closed with monetary relief,Yes,Yes,CR0243085,2378
2013-01-18,Credit card,,Credit reporting,,,,N/A,Web,2013-01-18,Closed with non-monetary relief,Yes,Yes,CR0243116,1375
2013-01-18,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-01-18,Closed with explanation,Yes,Yes,CR0246275,3862
2013-01-18,Credit card,,Transaction issue,,,,N/A,Web,2013-01-18,Closed with non-monetary relief,Yes,Yes,CR0248482,389
2013-01-18,Credit card,,Transaction issue,,,,N/A,Web,2013-01-18,Closed with explanation,Yes,Yes,CR0243539,3513
2013-01-18,Credit card,,Billing statement,,,,N/A,Web,2013-01-18,Closed with explanation,Yes,No,CR0245330,2075
2013-01-18,Credit card,,Billing statement,,,,N/A,Web,2013-01-19,Closed with non-monetary relief,Yes,No,CR0245822,4341
2013-01-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-01-18,Closed with monetary relief,Yes,No,CR0244265,2099
2013-01-17,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-01-17,Closed with explanation,Yes,No,CR0241890,261
2013-01-17,Credit card,,Rewards,,,,N/A,Web,2013-01-17,Closed with explanation,Yes,No,CR0240698,5245
2013-01-17,Credit card,,Credit reporting,,,,N/A,Web,2013-03-13,Closed with explanation,Yes,No,CR0240710,3229
2013-01-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-01-17,Closed with non-monetary relief,Yes,No,CR0240348,1769
2013-01-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-02-25,Closed with explanation,Yes,No,CR0246941,3331
2013-01-16,Credit card,,Billing disputes,,,,N/A,Web,2013-01-16,Closed with explanation,Yes,No,CR0238207,3849
2013-01-16,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-01-16,Closed with explanation,Yes,Yes,CR0236327,4028
2013-01-16,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-01-16,Closed with explanation,Yes,No,CR0237349,3498
2013-01-16,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-01-16,Closed with explanation,Yes,No,CR0237974,6753
2013-01-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-01-18,Closed with explanation,Yes,No,CR0236455,619
2013-01-16,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-01-24,Closed with explanation,Yes,No,CR0238618,3782
2013-01-16,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2013-01-18,Closed with explanation,Yes,No,CR0240008,4020
2013-01-15,Credit card,,Billing disputes,,,,N/A,Web,2013-01-17,Closed with explanation,Yes,No,CR0232742,2428
2013-01-15,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2013-01-15,Closed with explanation,Yes,Yes,CR0232441,3641
2013-01-15,Credit card,,Billing disputes,,,,N/A,Web,2013-01-16,Closed with explanation,Yes,Yes,CR0235440,268
2013-01-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-01-15,Closed with non-monetary relief,Yes,No,CR0234131,3213
2013-01-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-01-15,Closed with explanation,Yes,Yes,CR0232071,441
2013-01-14,Credit card,,Other fee,,,,N/A,Web,2013-01-14,Closed with explanation,Yes,No,CR0231871,2694
2013-01-14,Credit card,,Advertising and marketing,,,,N/A,Web,2013-01-14,Closed with explanation,Yes,No,CR0231779,2790
2013-01-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-01-14,Closed with monetary relief,Yes,No,CR0230119,3622
2013-01-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-01-14,Closed with monetary relief,Yes,Yes,CR0230507,863
2013-01-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-01-15,Closed with explanation,Yes,No,CR0231353,904
2013-01-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-01-14,Closed with explanation,Yes,No,CR0229803,3517
2013-01-12,Credit card,,Rewards,,,,N/A,Web,2013-01-14,Closed with non-monetary relief,Yes,No,CR0229696,1031
2013-01-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-01-16,Closed with explanation,Yes,No,CR0229569,4668
2013-01-11,Credit card,,APR or interest rate,,,,N/A,Web,2013-01-11,Closed with explanation,Yes,Yes,CR0228670,3644
2013-01-11,Credit card,,Collection practices,,,Older American,N/A,Web,2013-01-11,Closed with explanation,Yes,Yes,CR0229096,2184
2013-01-11,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-01-11,Closed with non-monetary relief,Yes,No,CR0229446,4621
2013-01-11,Credit card,,Advertising and marketing,,,Older American,N/A,Web,2013-01-11,Closed with explanation,Yes,No,CR0229458,898
2013-01-11,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Web,2013-01-11,Closed with monetary relief,Yes,No,CR0227963,1613
2013-01-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-01-15,Closed with explanation,Yes,No,CR0227959,2034
2013-01-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-01-16,Closed with monetary relief,Yes,No,CR0228096,2890
2013-01-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-01-16,Closed with explanation,No,,CR0229187,4132
2013-01-10,Credit card,,Payoff process,,,,N/A,Web,2013-01-10,Closed with explanation,Yes,No,CR0226825,2984
2013-01-10,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-01-10,Closed with explanation,Yes,No,CR0226140,12561
2013-01-10,Credit card,,Advertising and marketing,,,Older American,N/A,Web,2013-01-10,Closed with explanation,Yes,No,CR0227649,12325
2013-01-10,Credit card,,Advertising and marketing,,,,N/A,Web,2013-01-10,Closed with explanation,Yes,No,CR0227521,1183
2013-01-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-01-10,Closed with non-monetary relief,Yes,No,CR0226718,6978
2013-01-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-01-10,Closed with explanation,Yes,No,CR0226818,1904
2013-01-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-01-10,Closed with explanation,Yes,No,CR0227543,2639
2013-01-09,Credit card,,Other fee,,,,N/A,Web,2013-01-08,Closed with explanation,Yes,No,CR0225303,374
2013-01-09,Credit card,,Credit reporting,,,,N/A,Web,2013-01-10,Closed with explanation,Yes,No,CR0226166,583
2013-01-09,Credit card,,Payoff process,,,,N/A,Web,2013-01-09,Closed with explanation,Yes,No,CR0226329,3142
2013-01-09,Credit card,,Late fee,,,,N/A,Web,2013-01-08,Closed with explanation,Yes,No,CR0225314,2498
2013-01-09,Credit card,,Collection debt dispute,,,,N/A,Web,2013-01-10,Closed with explanation,Yes,No,CR0226118,3254
2013-01-09,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2013-01-09,Closed with non-monetary relief,Yes,No,CR0226500,60
2013-01-09,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2013-01-10,Closed with explanation,Yes,No,CR0226401,2451
2013-01-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Web,2013-01-09,Closed with explanation,Yes,No,CR0226379,1833
2013-01-08,Credit card,,Delinquent account,,,Older American,N/A,Web,2013-01-08,Closed with explanation,Yes,Yes,CR0224991,3374
2013-01-08,Credit card,,Balance transfer,,,,N/A,Web,2013-01-08,Closed with monetary relief,Yes,No,CR0224935,3710
2013-01-08,Credit card,,Billing disputes,,,,N/A,Web,2013-01-08,Closed with explanation,Yes,No,CR0225184,3073
2013-01-08,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-01-08,Closed with explanation,Yes,No,CR0223568,11943
2013-01-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-01-09,Closed with monetary relief,Yes,No,CR0225139,4819
2013-01-07,Credit card,,Billing disputes,,,,N/A,Web,2013-01-07,Closed with non-monetary relief,Yes,No,CR0223109,4837
2013-01-07,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2013-01-07,Closed with monetary relief,Yes,No,CR0223779,4467
2013-01-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-01-08,Closed with explanation,Yes,No,CR0223966,33
2013-01-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-01-07,Closed with explanation,Yes,No,CR0223183,6619
2013-01-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2013-01-07,Closed with monetary relief,Yes,No,CR0223131,1774
2013-01-06,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2013-01-07,Closed with explanation,Yes,No,CR0222486,12485
2013-01-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-01-07,Closed with explanation,Yes,No,CR0222980,3898
2013-01-05,Credit card,,APR or interest rate,,,,N/A,Web,2013-01-05,Closed with non-monetary relief,Yes,No,CR0222951,3141
2013-01-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-01-07,Closed with explanation,Yes,No,CR0222964,4235
2013-01-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2013-01-07,Closed with explanation,Yes,No,CR0222399,1197
2013-01-05,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2013-01-07,Closed with explanation,Yes,No,CR0222960,3588
2013-01-04,Credit card,,Transaction issue,,,,N/A,Web,2013-01-04,Closed with monetary relief,Yes,No,CR0222065,464
2013-01-04,Credit card,,Advertising and marketing,,,,N/A,Web,2013-01-04,Closed with explanation,Yes,No,CR0222657,4215
2013-01-04,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Web,2013-01-04,Closed with explanation,Yes,No,CR0222048,3748
2013-01-03,Credit card,,Rewards,,,,N/A,Web,2013-01-03,Closed with non-monetary relief,Yes,No,CR0221511,4766
2013-01-03,Credit card,,Closing/Cancelling account,,,,N/A,Web,2013-01-04,Closed with explanation,Yes,Yes,CR0221276,3449
2013-01-03,Credit card,,Transaction issue,,,,N/A,Web,2013-02-28,Closed with explanation,Yes,No,CR0221635,2214
2013-01-03,Credit card,,Other fee,,,,N/A,Web,2013-01-04,Closed with monetary relief,Yes,No,CR0221755,1295
2013-01-03,Credit card,,Collection debt dispute,,,,N/A,Web,2013-01-03,Closed with explanation,Yes,No,CR0221711,21
2013-01-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-01-03,Closed with explanation,Yes,Yes,CR0220063,4037
2013-01-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-01-04,Closed with explanation,Yes,No,CR0221315,1482
2013-01-03,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2013-01-04,Closed with explanation,Yes,No,CR0221713,2925
2013-01-02,Credit card,,Late fee,,,,N/A,Web,2013-01-03,Closed with explanation,Yes,No,CR0219899,8333
2013-01-02,Credit card,,Credit reporting,,,,N/A,Web,2013-01-02,Closed with explanation,Yes,No,CR0219776,6257
2013-01-02,Credit card,,Arbitration,,,,N/A,Web,2013-01-02,Closed with explanation,Yes,No,CR0219908,11943
2013-01-02,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2013-01-02,Closed with monetary relief,Yes,No,CR0215875,4325
2013-01-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-01-03,Closed with monetary relief,Yes,No,CR0219890,11732
2013-01-01,Credit card,,Credit determination,,,,N/A,Web,2013-01-02,Closed with explanation,Yes,Yes,CR0218917,12750
2013-01-01,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2013-01-02,Closed with non-monetary relief,Yes,No,CR0221228,3371
2013-01-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2013-01-02,Closed with explanation,Yes,No,CR0215752,5965
2013-01-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-01-02,Closed with explanation,Yes,No,CR0216178,502
2012-12-31,Credit card,,Transaction issue,,,Servicemember,N/A,Web,2012-12-30,Closed with explanation,Yes,No,CR0216150,1709
2012-12-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2013-01-02,Closed with explanation,Yes,Yes,CR0219184,3902
2012-12-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-01-02,Closed with monetary relief,Yes,No,CR0216024,329
2012-12-29,Credit card,,Transaction issue,,,,N/A,Web,2012-12-28,Closed with monetary relief,Yes,No,CR0218848,3853
2012-12-29,Credit card,,APR or interest rate,,,,N/A,Web,2012-12-29,Closed with monetary relief,Yes,No,CR0218903,5056
2012-12-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2013-01-02,Closed with monetary relief,Yes,No,CR0215817,1723
2012-12-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2013-01-02,Closed with monetary relief,Yes,No,CR0218886,1271
2012-12-28,Credit card,,Late fee,,,,N/A,Web,2012-12-28,Closed with non-monetary relief,No,No,CR0218786,4576
2012-12-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-12-31,Closed with explanation,Yes,No,CR0218824,4113
2012-12-28,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-12-31,Closed with non-monetary relief,Yes,No,CR0216144,2355
2012-12-28,Credit card,,APR or interest rate,,,Servicemember,N/A,Web,2012-12-31,Closed with non-monetary relief,Yes,No,CR0216037,2581
2012-12-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-12-31,Closed with explanation,Yes,No,CR0218775,4183
2012-12-27,Credit card,,Collection practices,,,,N/A,Web,2012-12-27,Closed with explanation,Yes,No,CR0218086,3783
2012-12-27,Credit card,,Billing disputes,,,Servicemember,N/A,Web,2012-12-27,Closed with non-monetary relief,Yes,Yes,CR0218008,2800
2012-12-27,Credit card,,Delinquent account,,,,N/A,Web,2012-12-26,Closed with non-monetary relief,Yes,No,CR0217740,3844
2012-12-27,Credit card,,Billing disputes,,,,N/A,Web,2012-12-31,Closed with explanation,Yes,Yes,CR0217904,1900
2012-12-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-12-28,Closed with monetary relief,No,No,CR0218138,5445
2012-12-27,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2012-12-31,Closed with explanation,Yes,No,CR0218171,4416
2012-12-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-12-31,Closed with explanation,Yes,No,CR0217836,3770
2012-12-26,Credit card,,Billing disputes,,,,N/A,Web,2012-12-25,Closed with explanation,Yes,Yes,CR0217312,730
2012-12-26,Credit card,,Rewards,,,,N/A,Web,2012-12-28,Closed with explanation,Yes,No,CR0217336,1723
2012-12-26,Credit card,,Collection practices,,,,N/A,Web,2012-12-26,Closed with explanation,Yes,No,CR0217488,675
2012-12-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-12-28,Closed with explanation,No,No,CR0217222,837
2012-12-24,Credit card,,Rewards,,,,N/A,Web,2012-12-27,Closed with explanation,Yes,Yes,CR0217131,4630
2012-12-24,Credit card,,Rewards,,,,N/A,Web,2012-12-24,Closed with explanation,Yes,No,CR0217083,2573
2012-12-24,Credit card,,Late fee,,,,N/A,Web,2012-12-27,Closed with explanation,Yes,No,CR0217122,4035
2012-12-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-12-27,Closed with explanation,Yes,No,CR0216983,186
2012-12-21,Credit card,,Bankruptcy,,,Older American,N/A,Web,2012-12-21,Closed with explanation,Yes,No,CR0214746,13469
2012-12-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-12-26,Closed with explanation,Yes,No,CR0216533,3071
2012-12-21,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2012-12-26,Closed with monetary relief,Yes,No,CR0216543,2442
2012-12-21,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-12-26,Closed with explanation,Yes,No,CR0216636,4730
2012-12-20,Credit card,,Collection debt dispute,,,,N/A,Web,2012-12-20,Closed with non-monetary relief,Yes,No,CR0213672,3586
2012-12-20,Credit card,,APR or interest rate,,,Older American,N/A,Web,2012-12-20,Closed with explanation,Yes,No,CR0214419,3065
2012-12-20,Credit card,,Credit reporting,,,,N/A,Web,2012-12-19,Closed with explanation,Yes,Yes,CR0214263,4104
2012-12-20,Credit card,,Late fee,,,,N/A,Web,2012-12-20,Closed with explanation,Yes,No,CR0214387,6363
2012-12-20,Credit card,,APR or interest rate,,,,N/A,Web,2012-12-20,Closed with explanation,Yes,No,CR0214757,26
2012-12-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-12-20,Closed with explanation,Yes,No,CR0214838,548
2012-12-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-12-26,Closed with non-monetary relief,Yes,No,CR0214733,2376
2012-12-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2012-12-21,Closed with explanation,Yes,No,CR0215131,1396
2012-12-19,Credit card,,Collection debt dispute,,,,N/A,Web,2012-12-18,Closed with non-monetary relief,Yes,No,CR0213226,2816
2012-12-19,Credit card,,Credit reporting,,,,N/A,Web,2013-03-05,Closed with explanation,Yes,Yes,CR0214623,13380
2012-12-19,Credit card,,Other,,,,N/A,Web,2012-12-20,Closed with explanation,Yes,Yes,CR0213568,80
2012-12-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-12-19,Closed with explanation,Yes,No,CR0213219,3167
2012-12-18,Credit card,,Bankruptcy,,,Servicemember,N/A,Web,2012-12-18,Closed with explanation,Yes,No,CR0212657,6829
2012-12-18,Credit card,,Credit reporting,,,,N/A,Web,2012-12-18,Closed with explanation,Yes,Yes,CR0211289,1713
2012-12-18,Credit card,,Credit reporting,,,,N/A,Web,2012-12-18,Closed with explanation,Yes,No,CR0211506,12051
2012-12-18,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2012-12-18,Closed with explanation,Yes,No,CR0213080,1680
2012-12-18,Credit card,,Bankruptcy,,,Servicemember,N/A,Web,2012-12-18,Closed with explanation,Yes,No,CR0212656,4667
2012-12-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-12-18,Closed with monetary relief,Yes,No,CR0211285,1762
2012-12-17,Credit card,,Transaction issue,,,,N/A,Web,2012-12-17,Closed with explanation,Yes,Yes,CR0211144,3260
2012-12-17,Credit card,,Payoff process,,,,N/A,Web,2012-12-18,Closed with explanation,Yes,No,CR0211009,4069
2012-12-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-12-18,Closed with monetary relief,Yes,No,CR0211087,1637
2012-12-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-12-17,Closed with monetary relief,Yes,Yes,CR0208942,254
2012-12-16,Credit card,,Privacy,,,,N/A,Web,2012-12-16,Closed with explanation,Yes,No,CR0210707,3856
2012-12-14,Credit card,,Late fee,,,,N/A,Web,2012-12-17,Closed with explanation,Yes,No,CR0210453,12325
2012-12-14,Credit card,,Rewards,,,,N/A,Web,2012-12-14,Closed with explanation,No,No,CR0210311,861
2012-12-14,Credit card,,Collection debt dispute,,,,N/A,Web,2012-12-14,Closed with non-monetary relief,No,No,CR0210500,2707
2012-12-14,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-12-17,Closed with explanation,Yes,No,CR0210511,3341
2012-12-14,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2012-12-17,Closed with monetary relief,Yes,No,CR0210479,2889
2012-12-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-12-17,Closed with monetary relief,Yes,No,CR0210570,1348
2012-12-13,Credit card,,Other fee,,,,N/A,Web,2012-12-13,Closed with explanation,No,No,CR0208988,4354
2012-12-13,Credit card,,Other,,,,N/A,Web,2012-12-13,Closed with explanation,Yes,Yes,CR0209687,3041
2012-12-13,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-12-13,Closed with explanation,Yes,No,CR0209973,2303
2012-12-13,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-12-13,Closed with non-monetary relief,Yes,No,CR0209714,113
2012-12-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-12-14,Closed with monetary relief,No,Yes,CR0210029,3105
2012-12-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2012-12-13,Closed with explanation,No,No,CR0209934,3546
2012-12-12,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-12-13,Closed with explanation,No,No,CR0209235,1391
2012-12-12,Credit card,,APR or interest rate,,,,N/A,Web,2012-12-12,Closed with explanation,Yes,No,CR0209255,74
2012-12-12,Credit card,,Billing disputes,,,,N/A,Web,2012-12-13,Closed with explanation,No,No,CR0209267,537
2012-12-12,Credit card,,Billing disputes,,,,N/A,Web,2012-12-12,Closed with explanation,Yes,No,CR0209291,4512
2012-12-12,Credit card,,Bankruptcy,,,,N/A,Web,2012-12-12,Closed with explanation,Yes,No,CR0209369,2577
2012-12-12,Credit card,,Payoff process,,,,N/A,Web,2012-12-12,Closed with explanation,Yes,No,CR0208098,569
2012-12-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-12-13,Closed with explanation,Yes,Yes,CR0208718,10159
2012-12-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-12-14,Closed with monetary relief,No,No,CR0209578,1736
2012-12-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-12-13,Closed with non-monetary relief,Yes,No,CR0209564,4805
2012-12-11,Credit card,,Collection debt dispute,,,,N/A,Web,2012-12-12,Closed with explanation,Yes,No,CR0207903,3355
2012-12-11,Credit card,,Late fee,,,,N/A,Web,2012-12-11,Closed with explanation,Yes,No,CR0207528,2833
2012-12-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-12-11,Closed with explanation,Yes,No,CR0206685,2130
2012-12-11,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2012-12-11,Closed with explanation,Yes,No,CR0207484,225
2012-12-10,Credit card,,APR or interest rate,,,,N/A,Web,2012-12-10,Closed with monetary relief,Yes,No,CR0206335,1887
2012-12-10,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2012-12-09,Closed with explanation,Yes,No,CR0206154,855
2012-12-10,Credit card,,Collection practices,,,,N/A,Web,2012-12-10,Closed with explanation,Yes,No,CR0206422,5200
2012-12-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-12-10,Closed with monetary relief,Yes,No,CR0206104,551
2012-12-08,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-12-07,Closed with non-monetary relief,Yes,Yes,CR0206032,3983
2012-12-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-12-10,Closed with monetary relief,Yes,No,CR0206081,4733
2012-12-07,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-12-07,Closed with explanation,Yes,No,CR0205997,4428
2012-12-07,Credit card,,Credit reporting,,,Servicemember,N/A,Web,2012-12-10,Closed with explanation,Yes,Yes,CR0205942,4077
2012-12-07,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-12-07,Closed with non-monetary relief,Yes,No,CR0205745,2061
2012-12-07,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-12-07,Closed with non-monetary relief,Yes,No,CR0205198,2530
2012-12-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2012-12-07,Closed with non-monetary relief,Yes,No,CR0205197,2995
2012-12-06,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2012-12-06,Closed with explanation,Yes,No,CR0204306,2611
2012-12-06,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-12-06,Closed with explanation,Yes,No,CR0204366,158
2012-12-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-12-06,Closed with non-monetary relief,Yes,Yes,CR0204338,843
2012-12-05,Credit card,,Credit determination,,,Older American,N/A,Web,2012-12-10,Closed with explanation,Yes,No,CR0202848,4734
2012-12-05,Credit card,,Collection practices,,,Older American,N/A,Web,2012-12-05,Closed with explanation,Yes,No,CR0203788,4454
2012-12-05,Credit card,,Credit reporting,,,,N/A,Web,2012-12-05,Closed with explanation,Yes,No,CR0204293,486
2012-12-05,Credit card,,Transaction issue,,,,N/A,Web,2012-12-04,Closed with explanation,Yes,No,CR0203331,3284
2012-12-05,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2012-12-04,Closed with explanation,Yes,No,CR0203342,1335
2012-12-05,Credit card,,Credit reporting,,,,N/A,Web,2012-12-05,Closed with non-monetary relief,Yes,No,CR0203388,239
2012-12-05,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-12-05,Closed with explanation,Yes,No,CR0203474,1647
2012-12-05,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-12-06,Closed with monetary relief,Yes,No,CR0204071,1658
2012-12-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-12-05,Closed with non-monetary relief,Yes,No,CR0203399,4530
2012-12-04,Credit card,,Other fee,,,,N/A,Web,2012-12-06,Closed with monetary relief,Yes,No,CR0202462,2657
2012-12-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-12-06,Closed with explanation,Yes,No,CR0202469,1063
2012-12-04,Credit card,,APR or interest rate,,,,N/A,Web,2012-12-04,Closed with non-monetary relief,Yes,Yes,CR0203055,1076
2012-12-04,Credit card,,Collection debt dispute,,,,N/A,Web,2012-12-04,Closed with explanation,Yes,No,CR0202843,2876
2012-12-04,Credit card,,Rewards,,,,N/A,Web,2012-12-04,Closed with explanation,Yes,No,CR0203735,3373
2012-12-04,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2012-12-04,Closed with explanation,Yes,No,CR0203755,2855
2012-12-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-12-27,Closed with explanation,Yes,No,CR0202466,3636
2012-12-04,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Web,2012-12-05,Closed with non-monetary relief,Yes,No,CR0203318,3001
2012-12-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-12-05,Closed with monetary relief,Yes,No,CR0203741,2804
2012-12-03,Credit card,,Other,,,,N/A,Web,2012-12-03,Closed with explanation,Yes,No,CR0201681,2357
2012-12-03,Credit card,,Billing disputes,,,,N/A,Web,2012-12-04,Closed with explanation,Yes,No,CR0202281,4527
2012-12-03,Credit card,,Other,,,,N/A,Web,2012-12-03,Closed with explanation,Yes,No,CR0202239,10703
2012-12-03,Credit card,,Collection debt dispute,,,Servicemember,N/A,Web,2012-12-04,Closed with explanation,Yes,Yes,CR0201969,2853
2012-12-03,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2012-12-03,Closed with explanation,Yes,No,CR0202255,3445
2012-12-03,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-12-03,Closed with explanation,Yes,No,CR0202005,1232
2012-12-03,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-12-03,Closed with explanation,Yes,Yes,CR0202032,2077
2012-12-03,Credit card,,Billing statement,,,,N/A,Web,2012-12-03,Closed with explanation,Yes,No,CR0201678,4545
2012-12-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-12-03,Closed with monetary relief,Yes,No,CR0202776,4074
2012-12-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-12-03,Closed with explanation,No,,CR0201975,4163
2012-12-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-12-04,Closed with explanation,Yes,No,CR0202297,2897
2012-12-01,Credit card,,Balance transfer fee,,,,N/A,Web,2012-12-04,Closed with explanation,Yes,No,CR0201802,2749
2012-11-30,Credit card,,Collection debt dispute,,,Older American,N/A,Web,2012-12-03,Closed with explanation,Yes,No,CR0201513,2341
2012-11-30,Credit card,,Late fee,,,,N/A,Web,2012-11-30,Closed with monetary relief,Yes,No,CR0200876,789
2012-11-30,Credit card,,Credit reporting,,,,N/A,Web,2012-12-03,Closed with explanation,Yes,Yes,CR0201528,4708
2012-11-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-11-30,Closed with monetary relief,Yes,No,CR0200860,2180
2012-11-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-12-03,Closed with explanation,Yes,No,CR0201541,2506
2012-11-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-12-03,Closed with monetary relief,Yes,No,CR0201890,2173
2012-11-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-12-03,Closed with monetary relief,Yes,No,CR0201485,5574
2012-11-29,Credit card,,Collection debt dispute,,,,N/A,Web,2012-11-29,Closed with explanation,Yes,Yes,CR0199691,1299
2012-11-29,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-11-29,Closed with explanation,Yes,Yes,CR0199845,11906
2012-11-29,Credit card,,Billing disputes,,,,N/A,Web,2012-11-30,Closed with explanation,Yes,Yes,CR0200508,3405
2012-11-29,Credit card,,APR or interest rate,,,,N/A,Web,2012-12-03,Closed with explanation,Yes,Yes,CR0200646,4157
2012-11-29,Credit card,,Billing disputes,,,,N/A,Web,2012-12-03,Closed with explanation,Yes,No,CR0200297,2113
2012-11-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-11-29,Closed with explanation,Yes,No,CR0199765,303
2012-11-29,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2012-11-30,Closed with explanation,Yes,Yes,CR0200510,937
2012-11-28,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-11-28,Closed with explanation,Yes,No,CR0198244,543
2012-11-28,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-11-28,Closed with explanation,Yes,No,CR0198760,4525
2012-11-28,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-11-28,Closed with explanation,Yes,No,CR0199395,1459
2012-11-28,Credit card,,Collection debt dispute,,,,N/A,Web,2012-11-29,Closed with explanation,Yes,Yes,CR0200034,10459
2012-11-28,Credit card,,Transaction issue,,,,N/A,Web,2012-11-28,Closed with explanation,Yes,No,CR0198776,2333
2012-11-28,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-11-28,Closed with explanation,Yes,No,CR0198786,1666
2012-11-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-11-29,Closed with explanation,Yes,No,CR0199450,4736
2012-11-28,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2012-11-29,Closed with explanation,Yes,No,CR0199557,122
2012-11-28,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Servicemember,N/A,Web,2012-11-29,Closed with explanation,Yes,No,CR0199382,1584
2012-11-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-11-28,Closed with monetary relief,Yes,No,CR0199384,627
2012-11-28,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2012-11-29,Closed with non-monetary relief,Yes,No,CR0200064,1018
2012-11-27,Credit card,,Delinquent account,,,,N/A,Web,2012-11-27,Closed with explanation,Yes,No,CR0197724,3620
2012-11-27,Credit card,,Other,,,,N/A,Web,2012-11-27,Closed with monetary relief,Yes,No,CR0197758,1967
2012-11-27,Credit card,,Credit reporting,,,,N/A,Web,2012-11-27,Closed with explanation,Yes,No,CR0198311,4239
2012-11-27,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2012-11-28,Closed with monetary relief,Yes,No,CR0198676,3781
2012-11-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2012-11-28,Closed with explanation,Yes,No,CR0198298,3092
2012-11-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-11-28,Closed with monetary relief,Yes,No,CR0198674,1912
2012-11-26,Credit card,,Transaction issue,,,,N/A,Web,2012-12-03,Closed with explanation,Yes,Yes,CR0196789,2240
2012-11-26,Credit card,,APR or interest rate,,,,N/A,Web,2012-11-27,Closed with monetary relief,Yes,No,CR0197268,673
2012-11-26,Credit card,,Late fee,,,,N/A,Web,2012-12-03,Closed with explanation,Yes,No,CR0196783,3655
2012-11-23,Credit card,,Billing statement,,,Older American,N/A,Web,2012-11-26,Closed with explanation,Yes,No,CR0196585,619
2012-11-23,Credit card,,Other fee,,,,N/A,Web,2012-11-29,Closed with non-monetary relief,Yes,Yes,CR0196420,1835
2012-11-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-11-27,Closed with monetary relief,Yes,No,CR0196506,551
2012-11-21,Credit card,,Credit reporting,,,,N/A,Web,2012-11-28,Closed with explanation,Yes,No,CR0195878,3000
2012-11-21,Credit card,,Advertising and marketing,,,,N/A,Web,2012-11-23,Closed with explanation,Yes,No,CR0195686,2066
2012-11-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2012-11-23,Closed with monetary relief,Yes,No,CR0195563,3219
2012-11-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-11-21,Closed with explanation,Yes,No,CR0195306,4518
2012-11-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-11-23,Closed with explanation,Yes,No,CR0196223,4048
2012-11-20,Credit card,,Billing disputes,,,,N/A,Web,2012-11-20,Closed with monetary relief,Yes,No,CR0194111,8295
2012-11-20,Credit card,,Billing disputes,,,,N/A,Web,2012-11-20,Closed with explanation,Yes,No,CR0194151,527
2012-11-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-11-21,Closed with explanation,Yes,No,CR0195232,3830
2012-11-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-11-21,Closed with monetary relief,Yes,No,CR0194139,4405
2012-11-19,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2012-11-20,Closed with monetary relief,Yes,No,CR0193641,4236
2012-11-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-11-21,Closed with monetary relief,Yes,No,CR0194027,4196
2012-11-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-11-20,Closed with monetary relief,Yes,No,CR0193719,2797
2012-11-18,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-11-23,Closed with explanation,Yes,No,CR0192792,4474
2012-11-18,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-11-23,Closed with explanation,Yes,No,CR0192787,1815
2012-11-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-11-20,Closed with explanation,Yes,No,CR0192773,1228
2012-11-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-11-20,Closed with non-monetary relief,Yes,No,CR0192807,1163
2012-11-17,Credit card,,APR or interest rate,,,Older American,N/A,Web,2012-11-19,Closed with explanation,Yes,No,CR0192702,815
2012-11-17,Credit card,,Payoff process,,,,N/A,Web,2012-11-20,Closed with explanation,Yes,No,CR0192718,2403
2012-11-16,Credit card,,Credit reporting,,,,N/A,Web,2012-11-20,Closed with explanation,Yes,Yes,CR0191555,2384
2012-11-16,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-11-19,Closed with non-monetary relief,Yes,No,CR0192386,730
2012-11-16,Credit card,,Collection practices,,,,N/A,Web,2012-11-16,Closed with explanation,Yes,No,CR0192127,705
2012-11-16,Credit card,,Balance transfer,,,,N/A,Web,2012-11-19,Closed with monetary relief,Yes,No,CR0192162,4062
2012-11-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-11-19,Closed with monetary relief,Yes,No,CR0192334,1645
2012-11-16,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-11-19,Closed with explanation,Yes,Yes,CR0192337,399
2012-11-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-11-19,Closed with explanation,Yes,No,CR0192033,2847
2012-11-15,Credit card,,Payoff process,,,,N/A,Web,2012-11-16,Closed with explanation,Yes,No,CR0191770,1534
2012-11-15,Credit card,,Bankruptcy,,,,N/A,Web,2012-11-16,Closed with explanation,Yes,Yes,CR0191697,2784
2012-11-15,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-11-21,Closed with monetary relief,Yes,No,CR0191961,4695
2012-11-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-11-15,Closed with explanation,Yes,No,CR0191566,401
2012-11-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-11-20,Closed with non-monetary relief,Yes,No,CR0191030,4009
2012-11-14,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2012-11-16,Closed with explanation,Yes,No,CR0189990,5159
2012-11-14,Credit card,,Late fee,,,,N/A,Web,2012-11-15,Closed with explanation,Yes,No,CR0189973,903
2012-11-14,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-11-15,Closed with explanation,Yes,No,CR0191369,1619
2012-11-14,Credit card,,Billing disputes,,,,N/A,Web,2012-11-15,Closed with monetary relief,Yes,No,CR0190854,2561
2012-11-14,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Web,2012-11-15,Closed with non-monetary relief,Yes,No,CR0190539,4635
2012-11-14,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2012-11-19,Closed with explanation,Yes,Yes,CR0191378,3042
2012-11-13,Credit card,,Late fee,,,,N/A,Web,2012-11-14,Closed with monetary relief,Yes,No,CR0188323,4504
2012-11-13,Credit card,,Credit reporting,,,,N/A,Web,2012-11-16,Closed with explanation,Yes,No,CR0189817,1814
2012-11-13,Credit card,,Credit reporting,,,,N/A,Web,2012-11-14,Closed with explanation,Yes,Yes,CR0189850,2307
2012-11-13,Credit card,,Other,,,,N/A,Web,2012-11-13,Closed with explanation,Yes,No,CR0188335,4314
2012-11-13,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Web,2012-12-13,Closed with explanation,Yes,No,CR0189082,1022
2012-11-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-11-13,Closed with explanation,Yes,No,CR0189100,3344
2012-11-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Web,2012-11-13,Closed,Yes,No,CR0189114,6359
2012-11-12,Credit card,,Collection debt dispute,,,,N/A,Web,2012-11-13,Closed with explanation,Yes,No,CR0188943,6551
2012-11-12,Credit card,,Advertising and marketing,,,,N/A,Web,2012-11-13,Closed with non-monetary relief,Yes,No,CR0188865,8433
2012-11-11,Credit card,,Billing disputes,,,,N/A,Web,2012-11-14,Closed with explanation,Yes,No,CR0188814,103
2012-11-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-11-14,Closed with monetary relief,Yes,No,CR0188822,4651
2012-11-11,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2012-11-14,Closed with explanation,Yes,Yes,CR0188819,1114
2012-11-10,Credit card,,Late fee,,,,N/A,Web,2012-11-20,Closed with monetary relief,Yes,Yes,CR0188774,2099
2012-11-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-11-13,Closed with explanation,Yes,No,CR0188703,3463
2012-11-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-11-19,Closed with explanation,Yes,No,CR0188765,4625
2012-11-09,Credit card,,Credit reporting,,,,N/A,Web,2012-11-13,Closed with explanation,Yes,No,CR0188599,971
2012-11-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-11-13,Closed with monetary relief,Yes,No,CR0188556,4252
2012-11-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-11-09,Closed with monetary relief,Yes,No,CR0187913,2735
2012-11-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2012-11-09,Closed with explanation,Yes,No,CR0188457,11860
2012-11-09,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-11-27,Closed with non-monetary relief,Yes,No,CR0188433,5775
2012-11-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-11-09,Closed with explanation,Yes,No,CR0188467,6749
2012-11-08,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-11-08,Closed with non-monetary relief,Yes,No,CR0187538,498
2012-11-08,Credit card,,APR or interest rate,,,,N/A,Web,2012-11-08,Closed with explanation,Yes,Yes,CR0188299,2573
2012-11-08,Credit card,,APR or interest rate,,,,N/A,Web,2012-11-08,Closed with explanation,Yes,No,CR0187618,964
2012-11-08,Credit card,,APR or interest rate,,,Older American,N/A,Web,2012-11-09,Closed with explanation,Yes,No,CR0187616,3077
2012-11-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-11-09,Closed with non-monetary relief,Yes,No,CR0188307,219
2012-11-07,Credit card,,Bankruptcy,,,,N/A,Web,2012-11-07,Closed with explanation,Yes,No,CR0183827,2064
2012-11-07,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-11-08,Closed with explanation,Yes,No,CR0185697,6256
2012-11-07,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2012-11-08,Closed with monetary relief,Yes,Yes,CR0185863,5093
2012-11-07,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-11-07,Closed with explanation,Yes,No,CR0185612,3794
2012-11-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-12-07,Closed with explanation,Yes,No,CR0185657,2505
2012-11-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2012-11-08,Closed with explanation,No,,CR0185903,2559
2012-11-06,Credit card,,Collection debt dispute,,,,N/A,Web,2012-11-06,Closed with monetary relief,Yes,No,CR0185151,3122
2012-11-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-11-09,Closed with monetary relief,Yes,Yes,CR0185120,2389
2012-11-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-11-06,Closed with monetary relief,Yes,No,CR0186243,2219
2012-11-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-11-09,Closed with monetary relief,Yes,Yes,CR0185129,1457
2012-11-05,Credit card,,Credit reporting,,,Older American,N/A,Web,2012-11-06,Closed with explanation,Yes,No,CR0184916,857
2012-11-05,Credit card,,Other,,,,N/A,Web,2012-11-07,Closed with explanation,Yes,No,CR0184967,3573
2012-11-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-11-06,Closed with explanation,Yes,No,CR0184752,2086
2012-11-04,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-11-05,Closed with explanation,Yes,No,CR0184472,3172
2012-11-04,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-12-11,Closed with explanation,Yes,No,CR0184517,1624
2012-11-04,Credit card,,Billing statement,,,,N/A,Web,2012-11-05,Closed with explanation,Yes,No,CR0184520,334
2012-11-03,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2012-11-05,Closed with explanation,Yes,No,CR0184426,1969
2012-11-03,Credit card,,APR or interest rate,,,,N/A,Web,2012-11-08,Closed with explanation,Yes,No,CR0184409,873
2012-11-03,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Web,2012-11-08,Closed with monetary relief,Yes,Yes,CR0186366,630
2012-11-02,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Web,2012-11-05,Closed with explanation,Yes,Yes,CR0184148,4299
2012-11-01,Credit card,,Billing statement,,,,N/A,Web,2012-11-01,Closed,Yes,No,CR0183060,3630
2012-11-01,Credit card,,Late fee,,,,N/A,Web,2012-11-01,Closed with monetary relief,Yes,No,CR0182534,9973
2012-11-01,Credit card,,Credit determination,,,,N/A,Web,2012-11-02,Closed with explanation,Yes,Yes,CR0183146,4012
2012-11-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-11-02,Closed with monetary relief,Yes,Yes,CR0183347,2373
2012-11-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-11-02,Closed with monetary relief,Yes,No,CR0183178,1779
2012-11-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-11-02,Closed with explanation,Yes,No,CR0183246,241
2012-11-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-11-06,Closed with non-monetary relief,Yes,No,CR0183162,760
2012-11-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-11-05,Closed with explanation,Yes,No,CR0182479,956
2012-10-31,Credit card,,Credit reporting,,,,N/A,Web,2012-11-01,Closed with explanation,Yes,No,CR0182290,1575
2012-10-31,Credit card,,Billing disputes,,,Older American,N/A,Web,2012-11-01,Closed with explanation,Yes,No,CR0182049,1360
2012-10-31,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2012-11-01,Closed with explanation,Yes,No,CR0181540,979
2012-10-31,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2012-11-01,Closed with explanation,Yes,No,CR0181537,2844
2012-10-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-11-01,Closed with explanation,Yes,Yes,CR0182009,1927
2012-10-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-11-05,Closed with explanation,Yes,No,CR0182419,1772
2012-10-30,Credit card,,Advertising and marketing,,,,N/A,Web,2012-10-30,Closed with explanation,Yes,No,CR0181026,2910
2012-10-30,Credit card,,Billing disputes,,,,N/A,Web,2012-10-30,Closed with monetary relief,Yes,No,CR0181033,2457
2012-10-30,Credit card,,Collection practices,,,,N/A,Web,2012-11-01,Closed with non-monetary relief,Yes,No,CR0181393,4923
2012-10-30,Credit card,,Billing disputes,,,Older American,N/A,Web,2012-10-31,Closed with explanation,Yes,Yes,CR0181104,4817
2012-10-30,Credit card,,Transaction issue,,,,N/A,Web,2012-11-01,Closed with explanation,Yes,No,CR0181460,3014
2012-10-30,Credit card,,Billing disputes,,,,N/A,Web,2012-10-31,Closed with explanation,Yes,Yes,CR0181915,3531
2012-10-30,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2012-10-30,Closed with explanation,Yes,No,CR0181054,2480
2012-10-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-11-01,Closed with explanation,Yes,No,CR0181487,2640
2012-10-29,Credit card,,Billing statement,,,,N/A,Web,2012-10-30,Closed with explanation,Yes,Yes,CR0179619,4942
2012-10-29,Credit card,,Credit reporting,,,,N/A,Web,2012-10-30,Closed with monetary relief,Yes,No,CR0181006,3964
2012-10-29,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-10-30,Closed with explanation,Yes,No,CR0179532,1588
2012-10-29,Credit card,,Credit determination,,,,N/A,Web,2012-10-30,Closed with explanation,Yes,No,CR0179551,3909
2012-10-29,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-10-30,Closed with explanation,Yes,Yes,CR0179392,2178
2012-10-29,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-10-30,Closed with explanation,Yes,No,CR0179784,11732
2012-10-28,Credit card,,Other,,,,N/A,Web,2012-10-29,Closed with explanation,Yes,No,CR0179367,3152
2012-10-28,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-10-29,Closed with explanation,Yes,No,CR0179342,553
2012-10-28,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-10-29,Closed with monetary relief,Yes,No,CR0179309,394
2012-10-28,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2012-11-01,Closed with explanation,Yes,No,CR0179328,2045
2012-10-27,Credit card,,Billing statement,,,,N/A,Web,2012-10-29,Closed with explanation,Yes,Yes,CR0179194,3997
2012-10-27,Credit card,,Billing disputes,,,,N/A,Web,2012-10-29,Closed with explanation,Yes,No,CR0179166,315
2012-10-27,Credit card,,Rewards,,,,N/A,Web,2012-10-29,Closed with explanation,Yes,No,CR0179265,6040
2012-10-27,Credit card,,Credit reporting,,,,N/A,Web,2012-10-29,Closed with explanation,Yes,No,CR0179263,850
2012-10-27,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2012-10-29,Closed with non-monetary relief,Yes,Yes,CR0179049,13404
2012-10-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-10-29,Closed with explanation,Yes,No,CR0179086,1583
2012-10-27,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-10-29,Closed with monetary relief,Yes,No,CR0179052,249
2012-10-26,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-11-02,Closed with explanation,Yes,No,CR0178894,755
2012-10-26,Credit card,,Other fee,,,,N/A,Web,2012-10-29,Closed with explanation,Yes,No,CR0178948,1905
2012-10-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-10-29,Closed with monetary relief,Yes,No,CR0177603,3644
2012-10-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-10-26,Closed with non-monetary relief,Yes,Yes,CR0179930,364
2012-10-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-10-29,Closed with explanation,Yes,No,CR0180874,485
2012-10-25,Credit card,,Other fee,,,,N/A,Web,2012-10-25,Closed with explanation,Yes,No,CR0178119,2422
2012-10-25,Credit card,,Collection debt dispute,,,,N/A,Web,2012-10-26,Closed with explanation,Yes,No,CR0178008,1813
2012-10-25,Credit card,,APR or interest rate,,,,N/A,Web,2012-10-26,Closed with explanation,Yes,Yes,CR0178421,332
2012-10-25,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2012-10-25,Closed with explanation,Yes,No,CR0179941,11123
2012-10-25,Credit card,,Credit reporting,,,,N/A,Web,2012-10-26,Closed with explanation,Yes,No,CR0178467,3866
2012-10-25,Credit card,,Credit reporting,,,,N/A,Web,2012-10-26,Closed with explanation,Yes,No,CR0179888,8502
2012-10-25,Credit card,,Other,,,,N/A,Web,2012-10-25,Closed with monetary relief,Yes,No,CR0177952,2687
2012-10-25,Credit card,,Transaction issue,,,,N/A,Web,2012-10-25,Closed with explanation,Yes,Yes,CR0177933,1728
2012-10-25,Credit card,,Credit determination,,,,N/A,Web,2012-10-25,Closed with explanation,Yes,No,CR0178099,3382
2012-10-25,Credit card,,Collection debt dispute,,,,N/A,Web,2012-10-26,Closed with non-monetary relief,Yes,No,CR0178284,3803
2012-10-25,Credit card,,Balance transfer,,,,N/A,Web,2012-10-26,Closed with monetary relief,Yes,Yes,CR0178370,1139
2012-10-25,Credit card,,Collection practices,,,,N/A,Web,2012-11-23,Closed with non-monetary relief,Yes,No,CR0178422,2900
2012-10-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-10-26,Closed with non-monetary relief,Yes,Yes,CR0178028,3643
2012-10-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2012-10-26,Closed with explanation,Yes,Yes,CR0178324,3333
2012-10-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-10-26,Closed with explanation,Yes,No,CR0178442,2812
2012-10-24,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-10-24,Closed with non-monetary relief,Yes,No,CR0177048,4907
2012-10-24,Credit card,,Late fee,,,,N/A,Web,2012-10-25,Closed with explanation,Yes,No,CR0177721,2511
2012-10-24,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-10-25,Closed with explanation,Yes,No,CR0177919,1821
2012-10-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-10-24,Closed with explanation,Yes,No,CR0177105,3150
2012-10-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-10-24,Closed with monetary relief,Yes,No,CR0177655,2743
2012-10-24,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2012-10-26,Closed with explanation,Yes,Yes,CR0177836,898
2012-10-23,Credit card,,Credit reporting,,,,N/A,Web,2012-10-23,Closed with explanation,Yes,No,CR0176177,7772
2012-10-23,Credit card,,Collection practices,,,,N/A,Web,2012-10-24,Closed with explanation,Yes,Yes,CR0176723,1151
2012-10-23,Credit card,,Transaction issue,,,,N/A,Web,2012-10-23,Closed with explanation,Yes,Yes,CR0176604,2098
2012-10-23,Credit card,,Billing statement,,,,N/A,Web,2012-10-23,Closed with monetary relief,Yes,No,CR0176074,6946
2012-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-10-25,Closed with explanation,Yes,Yes,CR0176057,1942
2012-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-10-23,Closed with non-monetary relief,Yes,No,CR0176066,2246
2012-10-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-10-24,Closed with monetary relief,Yes,No,CR0176042,1838
2012-10-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-10-23,Closed with non-monetary relief,Yes,No,CR0176082,4678
2012-10-22,Credit card,,Credit reporting,,,,N/A,Web,2012-10-22,Closed with explanation,Yes,No,CR0175629,904
2012-10-22,Credit card,,Billing statement,,,,N/A,Web,2012-10-24,Closed with explanation,Yes,No,CR0175849,2006
2012-10-22,Credit card,,APR or interest rate,,,,N/A,Web,2012-10-23,Closed with explanation,Yes,No,CR0176527,2900
2012-10-22,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-10-23,Closed with non-monetary relief,Yes,Yes,CR0175882,2856
2012-10-22,Credit card,,Billing disputes,,,,N/A,Web,2012-10-23,Closed with explanation,Yes,Yes,CR0176495,3348
2012-10-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2012-10-23,Closed with explanation,Yes,Yes,CR0175604,167
2012-10-20,Credit card,,Other,,,Older American,N/A,Web,2012-11-23,Closed with non-monetary relief,Yes,No,CR0174997,13931
2012-10-20,Credit card,,Privacy,,,,N/A,Web,2012-10-22,Closed with explanation,Yes,No,CR0175207,1224
2012-10-20,Credit card,,Other fee,,,Older American,N/A,Web,2012-10-22,Closed with explanation,Yes,Yes,CR0175034,11208
2012-10-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-11-27,Closed with monetary relief,Yes,No,CR0175017,1316
2012-10-19,Credit card,,Billing disputes,,,,N/A,Web,2012-10-22,Closed with explanation,Yes,No,CR0174790,41
2012-10-19,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2012-10-19,Closed with explanation,Yes,No,CR0174726,4427
2012-10-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-10-19,Closed with explanation,Yes,No,CR0174644,6511
2012-10-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-10-24,Closed with explanation,Yes,Yes,CR0174265,3192
2012-10-18,Credit card,,APR or interest rate,,,,N/A,Web,2012-10-19,Closed with non-monetary relief,Yes,No,CR0174105,2572
2012-10-18,Credit card,,APR or interest rate,,,,N/A,Web,2012-10-19,Closed with explanation,Yes,No,CR0174035,3082
2012-10-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-10-19,Closed with explanation,Yes,No,CR0174028,3210
2012-10-18,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2012-10-19,Closed with explanation,Yes,No,CR0173995,3653
2012-10-17,Credit card,,Billing disputes,,,Older American,N/A,Web,2012-10-17,Closed with explanation,Yes,Yes,CR0172694,1152
2012-10-17,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-10-17,Closed with non-monetary relief,Yes,Yes,CR0173105,527
2012-10-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-10-22,Closed with explanation,Yes,Yes,CR0173273,1041
2012-10-17,Credit card,,Other,,,Servicemember,N/A,Web,2012-10-18,Closed with explanation,Yes,No,CR0173051,1663
2012-10-17,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2012-10-17,Closed with explanation,Yes,No,CR0173795,4657
2012-10-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-10-17,Closed with explanation,Yes,No,CR0172967,2157
2012-10-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-10-18,Closed with non-monetary relief,Yes,No,CR0172925,3092
2012-10-16,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2012-10-17,Closed with monetary relief,Yes,No,CR0172123,2311
2012-10-16,Credit card,,Credit reporting,,,,N/A,Web,2012-10-17,Closed with explanation,Yes,No,CR0172858,19
2012-10-16,Credit card,,Billing disputes,,,,N/A,Web,2012-10-17,Closed with explanation,Yes,Yes,CR0172709,1401
2012-10-16,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-10-16,Closed with explanation,Yes,No,CR0172863,2304
2012-10-16,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-10-17,Closed with non-monetary relief,Yes,No,CR0172041,2605
2012-10-16,Credit card,,Other,,,,N/A,Web,2012-10-16,Closed with explanation,Yes,Yes,CR0170174,1576
2012-10-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-10-17,Closed with explanation,Yes,Yes,CR0172840,4341
2012-10-16,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-10-16,Closed with explanation,Yes,No,CR0171795,4166
2012-10-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-10-16,Closed with monetary relief,Yes,No,CR0171812,10273
2012-10-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-10-16,Closed with explanation,Yes,No,CR0171953,565
2012-10-15,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-10-24,Closed with explanation,Yes,No,CR0171489,3502
2012-10-15,Credit card,,Billing disputes,,,,N/A,Web,2012-10-15,Closed with explanation,Yes,Yes,CR0171284,1797
2012-10-15,Credit card,,Credit line increase/decrease,,,Older American,N/A,Web,2012-10-16,Closed with explanation,Yes,No,CR0171636,2945
2012-10-15,Credit card,,Other,,,,N/A,Web,2012-10-16,Closed with explanation,Yes,Yes,CR0171645,3904
2012-10-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-10-16,Closed with explanation,Yes,No,CR0171566,4722
2012-10-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Web,2012-10-15,Closed with explanation,Yes,Yes,CR0171351,4697
2012-10-14,Credit card,,Billing statement,,,,N/A,Web,2012-10-15,Closed with explanation,Yes,No,CR0171194,2984
2012-10-14,Credit card,,APR or interest rate,,,Older American,N/A,Web,2012-10-15,Closed with explanation,Yes,No,CR0171165,3920
2012-10-14,Credit card,,Late fee,,,,N/A,Web,2012-10-15,Closed with monetary relief,Yes,No,CR0171227,1092
2012-10-14,Credit card,,Collection practices,,,,N/A,Web,2012-11-27,Closed with explanation,Yes,No,CR0171171,2227
2012-10-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-10-15,Closed with monetary relief,Yes,Yes,CR0170746,5684
2012-10-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-10-15,Closed with non-monetary relief,Yes,No,CR0171244,85
2012-10-13,Credit card,,Billing statement,,,,N/A,Web,2012-10-15,Closed with explanation,Yes,No,CR0171130,1951
2012-10-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-10-15,Closed with monetary relief,Yes,No,CR0171114,384
2012-10-13,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2012-10-15,Closed with explanation,Yes,Yes,CR0171127,1339
2012-10-12,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-10-15,Closed with explanation,Yes,No,CR0170884,12561
2012-10-12,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-10-15,Closed with explanation,Yes,Yes,CR0171009,1965
2012-10-12,Credit card,,Billing disputes,,,,N/A,Web,2012-10-15,Closed with explanation,Yes,No,CR0170963,631
2012-10-12,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2012-10-15,Closed with explanation,Yes,No,CR0171094,1707
2012-10-12,Credit card,,Collection debt dispute,,,Older American,N/A,Web,2012-10-12,Closed with non-monetary relief,Yes,Yes,CR0170823,3622
2012-10-12,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Web,2012-10-15,Closed with monetary relief,Yes,No,CR0170017,9930
2012-10-11,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-10-12,Closed with non-monetary relief,Yes,No,CR0169463,1666
2012-10-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-10-12,Closed with explanation,Yes,Yes,CR0169510,7150
2012-10-11,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2012-10-15,Closed with monetary relief,Yes,No,CR0169590,2010
2012-10-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-10-12,Closed with explanation,Yes,Yes,CR0169797,6750
2012-10-11,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Web,2012-10-11,Closed with explanation,Yes,No,CR0169071,2472
2012-10-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-10-11,Closed with monetary relief,Yes,No,CR0169083,1031
2012-10-11,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-10-11,Closed with monetary relief,Yes,No,CR0169587,3587
2012-10-10,Credit card,,Balance transfer,,,,N/A,Web,2012-10-11,Closed with explanation,Yes,No,CR0168168,3355
2012-10-10,Credit card,,Billing disputes,,,Older American,N/A,Web,2012-10-15,Closed with non-monetary relief,Yes,No,CR0168931,2067
2012-10-10,Credit card,,Bankruptcy,,,,N/A,Web,2012-10-11,Closed with explanation,Yes,No,CR0168180,3969
2012-10-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-10-11,Closed with monetary relief,Yes,No,CR0168184,2741
2012-10-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-10-12,Closed with monetary relief,Yes,No,CR0168894,2842
2012-10-09,Credit card,,Billing disputes,,,,N/A,Web,2012-10-10,Closed with explanation,No,Yes,CR0167820,4942
2012-10-09,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-10-11,Closed with explanation,Yes,No,CR0167999,2452
2012-10-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-10-10,Closed with explanation,Yes,No,CR0167724,4594
2012-10-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-10-16,Closed with explanation,Yes,No,CR0167266,3345
2012-10-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-10-10,Closed with monetary relief,Yes,No,CR0168141,2903
2012-10-09,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-10-10,Closed with explanation,Yes,No,CR0167406,107
2012-10-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-10-09,Closed with non-monetary relief,Yes,No,CR0167192,6067
2012-10-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-10-09,Closed,Yes,No,CR0167250,1519
2012-10-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-11-23,Closed with explanation,Yes,No,CR0167251,2264
2012-10-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-10-09,Closed with monetary relief,Yes,No,CR0167176,5376
2012-10-07,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-10-10,Closed with explanation,Yes,No,CR0167102,4277
2012-10-07,Credit card,,Other,,,Older American,N/A,Web,2012-10-09,Closed with explanation,Yes,No,CR0167121,4882
2012-10-07,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-10-09,Closed with explanation,Yes,No,CR0166214,8
2012-10-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2012-10-10,Closed with explanation,No,,CR0167094,4333
2012-10-06,Credit card,,APR or interest rate,,,Older American,N/A,Web,2012-10-10,Closed with explanation,Yes,No,CR0167044,1255
2012-10-06,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-10-09,Closed with explanation,Yes,Yes,CR0167024,3115
2012-10-06,Credit card,,Sale of account,,,,N/A,Web,2012-10-09,Closed with explanation,Yes,No,CR0167065,1690
2012-10-05,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2012-10-10,Closed with explanation,Yes,No,CR0166870,229
2012-10-05,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-10-05,Closed with non-monetary relief,No,No,CR0166661,4689
2012-10-05,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2012-10-05,Closed with monetary relief,Yes,Yes,CR0166088,2557
2012-10-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-10-05,Closed with explanation,Yes,No,CR0165756,3380
2012-10-05,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Web,2012-10-05,Closed with non-monetary relief,No,,CR0166695,2387
2012-10-04,Credit card,,Credit reporting,,,,N/A,Web,2012-10-04,Closed with explanation,Yes,Yes,CR0165324,582
2012-10-04,Credit card,,Other,,,Older American,N/A,Web,2012-10-05,Closed with explanation,Yes,No,CR0166022,2392
2012-10-04,Credit card,,Billing statement,,,,N/A,Web,2012-10-04,Closed with explanation,Yes,No,CR0165955,4043
2012-10-04,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2012-10-04,Closed with monetary relief,No,No,CR0165393,7855
2012-10-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-10-05,Closed with monetary relief,Yes,No,CR0165443,1934
2012-10-03,Credit card,,APR or interest rate,,,,N/A,Web,2012-10-04,Closed with monetary relief,Yes,No,CR0165223,2843
2012-10-03,Credit card,,Collection debt dispute,,,,N/A,Web,2012-10-04,Closed with explanation,Yes,No,CR0165272,163
2012-10-03,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,N/A,Web,2012-10-04,Closed with explanation,Yes,No,CR0165297,4315
2012-10-03,Credit card,,Rewards,,,,N/A,Web,2012-10-03,Closed with explanation,Yes,No,CR0165010,2939
2012-10-03,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-10-04,Closed with explanation,Yes,No,CR0165165,3016
2012-10-03,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-10-04,Closed with explanation,Yes,No,CR0165271,12092
2012-10-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-10-04,Closed with explanation,Yes,No,CR0165236,327
2012-10-03,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2012-10-04,Closed with explanation,Yes,No,CR0165274,5273
2012-10-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-10-05,Closed,No,,CR0164917,2448
2012-10-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-10-03,Closed with monetary relief,Yes,Yes,CR0165001,3089
2012-10-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-10-03,Closed with monetary relief,Yes,No,CR0165143,3166
2012-10-02,Credit card,,Credit reporting,,,,N/A,Web,2012-10-05,Closed with explanation,Yes,No,CR0164480,2666
2012-10-02,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2012-10-02,Closed with explanation,Yes,No,CR0163393,3819
2012-10-02,Credit card,,Cash advance,,,,N/A,Web,2012-10-03,Closed with explanation,Yes,No,CR0164666,1247
2012-10-02,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-10-04,Closed with non-monetary relief,No,No,CR0164788,9929
2012-10-02,Credit card,,Credit reporting,,,,N/A,Web,2012-10-02,Closed with explanation,Yes,Yes,CR0164600,2533
2012-10-02,Credit card,,Credit reporting,,,Older American,N/A,Web,2012-10-02,Closed with explanation,No,,CR0164744,6829
2012-10-02,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2012-10-02,Closed with non-monetary relief,Yes,No,CR0164504,2961
2012-10-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-10-02,Closed with explanation,Yes,No,CR0164636,2654
2012-10-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-10-02,Closed with explanation,Yes,No,CR0164720,1478
2012-10-02,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2012-10-04,Closed with non-monetary relief,Yes,No,CR0164481,8677
2012-10-02,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-10-04,Closed with monetary relief,Yes,No,CR0164790,2181
2012-10-02,Bank account or service,Savings account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Web,2012-10-02,Closed with monetary relief,Yes,No,CR0164620,4621
2012-10-01,Credit card,,Rewards,,,Older American,N/A,Web,2012-10-01,Closed with explanation,Yes,No,CR0164049,469
2012-10-01,Credit card,,Privacy,,,,N/A,Web,2012-10-01,Closed with non-monetary relief,Yes,Yes,CR0164085,747
2012-10-01,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2012-10-02,Closed with explanation,Yes,No,CR0164370,3543
2012-10-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-10-01,Closed with explanation,Yes,No,CR0164268,962
2012-10-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-10-01,Closed with explanation,Yes,No,CR0164305,2518
2012-10-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-10-01,Closed with monetary relief,Yes,No,CR0164118,4205
2012-09-30,Credit card,,Late fee,,,,N/A,Web,2012-10-01,Closed with monetary relief,Yes,No,CR0164030,2034
2012-09-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Web,2012-10-01,Closed with non-monetary relief,Yes,No,CR0164013,199
2012-09-30,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-10-01,Closed with explanation,Yes,No,CR0164025,2025
2012-09-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-10-01,Closed with explanation,Yes,Yes,CR0164032,2559
2012-09-29,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-10-01,Closed with monetary relief,Yes,No,CR0163959,2520
2012-09-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-10-01,Closed with explanation,Yes,No,CR0161443,3768
2012-09-28,Credit card,,Advertising and marketing,,,Older American,N/A,Web,2012-09-28,Closed with explanation,Yes,No,CR0163643,175
2012-09-28,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-09-28,Closed with non-monetary relief,Yes,No,CR0163755,7855
2012-09-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-10-01,Closed with monetary relief,Yes,No,CR0161631,243
2012-09-28,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-10-02,Closed with explanation,Yes,No,CR0163876,6299
2012-09-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-10-01,Closed with explanation,Yes,Yes,CR0163834,4594
2012-09-27,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-09-27,Closed with explanation,Yes,Yes,CR0161054,186
2012-09-27,Credit card,,Credit determination,,,,N/A,Web,2012-09-27,Closed with explanation,Yes,Yes,CR0160491,74
2012-09-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-09-28,Closed with explanation,Yes,No,CR0160508,7325
2012-09-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-09-27,Closed with explanation,Yes,No,CR0161091,494
2012-09-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-09-28,Closed with monetary relief,Yes,No,CR0161210,10476
2012-09-26,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-09-26,Closed with explanation,Yes,No,CR0160111,2778
2012-09-26,Credit card,,Collection practices,,,,N/A,Web,2012-09-27,Closed with explanation,Yes,No,CR0160448,2855
2012-09-26,Credit card,,Billing disputes,,,,N/A,Web,2012-10-10,Closed with non-monetary relief,Yes,No,CR0160454,1849
2012-09-25,Credit card,,Late fee,,,,N/A,Web,2012-09-26,Closed with explanation,Yes,No,CR0159771,11709
2012-09-25,Credit card,,APR or interest rate,,,,N/A,Web,2012-09-25,Closed with monetary relief,Yes,No,CR0159646,9505
2012-09-25,Credit card,,Billing disputes,,,,N/A,Web,2012-09-26,Closed with explanation,Yes,No,CR0159827,2857
2012-09-25,Credit card,,Advertising and marketing,,,,N/A,Web,2012-09-26,Closed with explanation,Yes,Yes,CR0159766,4706
2012-09-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-09-25,Closed with monetary relief,Yes,No,CR0158774,3480
2012-09-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-09-26,Closed with monetary relief,Yes,No,CR0159742,10517
2012-09-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-09-26,Closed with explanation,Yes,No,CR0159833,4352
2012-09-24,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-09-25,Closed with explanation,Yes,No,CR0158495,4941
2012-09-24,Credit card,,Advertising and marketing,,,,N/A,Web,2012-09-25,Closed with explanation,Yes,No,CR0158584,3208
2012-09-24,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-09-24,Closed with explanation,Yes,No,CR0158524,913
2012-09-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-09-24,Closed with explanation,Yes,No,CR0157760,3256
2012-09-24,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-11-23,Closed with explanation,Yes,No,CR0158596,3530
2012-09-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-12-12,Closed with explanation,Yes,No,CR0158476,2031
2012-09-23,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2012-09-24,Closed with non-monetary relief,Yes,No,CR0157736,2468
2012-09-23,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2012-09-24,Closed with explanation,Yes,Yes,CR0157725,4801
2012-09-21,Credit card,,Billing disputes,,,,N/A,Web,2012-10-05,Closed with non-monetary relief,Yes,Yes,CR0157541,2144
2012-09-21,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-09-21,Closed with explanation,Yes,No,CR0156934,835
2012-09-21,Credit card,,Collection practices,,,,N/A,Web,2012-09-24,Closed with explanation,Yes,No,CR0157661,8737
2012-09-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-09-24,Closed with monetary relief,Yes,No,CR0157481,1245
2012-09-20,Credit card,,APR or interest rate,,,,N/A,Web,2012-09-20,Closed with explanation,Yes,No,CR0156739,4724
2012-09-20,Credit card,,Credit reporting,,,Servicemember,N/A,Web,2012-09-21,Closed with monetary relief,Yes,No,CR0156628,4769
2012-09-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-09-21,Closed with explanation,Yes,No,CR0156555,2006
2012-09-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Web,2012-09-21,Closed with explanation,Yes,Yes,CR0156831,236
2012-09-19,Credit card,,Other,,,,N/A,Web,2012-09-19,Closed with monetary relief,Yes,No,CR0155314,2042
2012-09-19,Credit card,,Billing disputes,,,,N/A,Web,2012-09-20,Closed with explanation,No,No,CR0156489,4278
2012-09-19,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2012-09-19,Closed with explanation,Yes,No,CR0155328,2297
2012-09-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-09-20,Closed with explanation,Yes,No,CR0156330,2693
2012-09-18,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-09-19,Closed with explanation,Yes,Yes,CR0153700,2168
2012-09-18,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-12-13,Closed with explanation,Yes,No,CR0155291,5171
2012-09-18,Credit card,,Rewards,,,,N/A,Web,2012-09-19,Closed with non-monetary relief,Yes,No,CR0155182,2202
2012-09-18,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-09-18,Closed with monetary relief,Yes,No,CR0154396,3322
2012-09-18,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-09-21,Closed with non-monetary relief,Yes,No,CR0155232,2194
2012-09-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-09-19,Closed with monetary relief,Yes,No,CR0154604,1881
2012-09-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-09-20,Closed with explanation,Yes,Yes,CR0155220,36
2012-09-17,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-09-19,Closed with explanation,Yes,No,CR0154330,11860
2012-09-17,Credit card,,Billing disputes,,,,N/A,Web,2012-09-18,Closed with explanation,Yes,No,CR0154353,2778
2012-09-17,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2012-09-17,Closed with monetary relief,Yes,No,CR0153546,1949
2012-09-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-09-18,Closed with monetary relief,Yes,No,CR0154320,6191
2012-09-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-09-18,Closed with monetary relief,Yes,No,CR0154168,1206
2012-09-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-09-18,Closed with monetary relief,Yes,No,CR0153676,102
2012-09-15,Credit card,,Other,,,,N/A,Web,2012-09-17,Closed with monetary relief,Yes,No,CR0153480,8130
2012-09-15,Credit card,,Collection debt dispute,,,,N/A,Web,2012-09-17,Closed with explanation,No,Yes,CR0153460,4595
2012-09-14,Credit card,,Payoff process,,,,N/A,Web,2012-09-14,Closed with explanation,Yes,Yes,CR0153162,9929
2012-09-14,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-09-19,Closed with explanation,Yes,Yes,CR0153282,4067
2012-09-14,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-09-14,Closed with explanation,Yes,No,CR0152494,2823
2012-09-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-09-17,Closed with monetary relief,Yes,No,CR0153355,3655
2012-09-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-09-17,Closed with explanation,Yes,No,CR0153331,3570
2012-09-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-09-19,Closed with explanation,Yes,No,CR0153281,1108
2012-09-13,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-09-18,Closed with explanation,Yes,No,CR0151699,4187
2012-09-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-09-13,Closed with explanation,Yes,No,CR0152251,4220
2012-09-13,Credit card,,Collection debt dispute,,,Servicemember,N/A,Web,2012-09-13,Closed with non-monetary relief,Yes,No,CR0152331,527
2012-09-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-12-12,Closed with explanation,Yes,No,CR0151700,3559
2012-09-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-09-14,Closed with explanation,Yes,Yes,CR0152360,2912
2012-09-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-09-19,Closed with monetary relief,Yes,No,CR0152363,3528
2012-09-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-09-14,Closed with explanation,Yes,No,CR0152439,1576
2012-09-12,Credit card,,Credit reporting,,,,N/A,Web,2012-09-13,Closed with explanation,Yes,Yes,CR0151574,2629
2012-09-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-09-13,Closed with explanation,Yes,No,CR0151560,1040
2012-09-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-09-13,Closed with monetary relief,Yes,No,CR0151532,4229
2012-09-12,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Web,2012-09-13,Closed with explanation,Yes,Yes,CR0151454,3018
2012-09-11,Credit card,,Billing disputes,,,Older American,N/A,Web,2012-09-12,Closed with explanation,Yes,No,CR0149030,1058
2012-09-11,Credit card,,Billing disputes,,,,N/A,Web,2012-09-11,Closed with non-monetary relief,Yes,No,CR0149944,3596
2012-09-11,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2012-09-13,Closed with monetary relief,Yes,No,CR0150577,3469
2012-09-11,Credit card,,Billing disputes,,,,N/A,Web,2012-09-12,Closed with monetary relief,Yes,No,CR0150652,2808
2012-09-11,Credit card,,Credit reporting,,,,N/A,Web,2012-09-12,Closed with monetary relief,Yes,No,CR0149996,1095
2012-09-11,Credit card,,Billing disputes,,,,N/A,Web,2012-09-12,Closed with monetary relief,Yes,No,CR0150651,10528
2012-09-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-09-12,Closed with non-monetary relief,Yes,No,CR0149929,1250
2012-09-11,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-09-12,Closed with explanation,Yes,No,CR0150656,2562
2012-09-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-09-13,Closed with monetary relief,Yes,No,CR0150077,3916
2012-09-10,Credit card,,Billing disputes,,,,N/A,Web,2012-09-10,Closed with monetary relief,Yes,Yes,CR0148952,1589
2012-09-09,Credit card,,Late fee,,,Older American,N/A,Web,2012-09-12,Closed with explanation,Yes,No,CR0148171,1351
2012-09-09,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-09-10,Closed with explanation,Yes,Yes,CR0148894,1559
2012-09-08,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2012-09-10,Closed with non-monetary relief,No,No,CR0148798,1315
2012-09-08,Credit card,,Billing disputes,,,,N/A,Web,2012-09-11,Closed with non-monetary relief,Yes,No,CR0148867,3272
2012-09-08,Credit card,,Rewards,,,,N/A,Web,2012-09-10,Closed with explanation,Yes,No,CR0148842,4107
2012-09-08,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2012-09-11,Closed with non-monetary relief,Yes,No,CR0148855,4103
2012-09-07,Credit card,,APR or interest rate,,,,N/A,Web,2012-09-11,Closed with explanation,Yes,No,CR0148574,3548
2012-09-07,Credit card,,Sale of account,,,,N/A,Web,2013-02-06,Closed without relief,Yes,,CR0148731,465
2012-09-07,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-09-07,Closed with explanation,Yes,No,CR0148108,532
2012-09-06,Credit card,,APR or interest rate,,,,N/A,Web,2012-09-06,Closed with explanation,Yes,No,CR0147182,1327
2012-09-06,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-09-07,Closed with monetary relief,Yes,No,CR0147933,20
2012-09-06,Credit card,,Billing disputes,,,,N/A,Web,2012-09-07,Closed with explanation,No,Yes,CR0147458,1520
2012-09-06,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-09-06,Closed with monetary relief,Yes,No,CR0147171,12850
2012-09-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-09-06,Closed with explanation,Yes,Yes,CR0147537,2647
2012-09-05,Credit card,,Billing disputes,,,Older American,N/A,Web,2012-09-05,Closed with monetary relief,Yes,No,CR0146906,2850
2012-09-05,Credit card,,Collection debt dispute,,,,N/A,Web,2012-09-06,Closed with explanation,Yes,No,CR0147063,3893
2012-09-05,Credit card,,Application processing delay,,,,N/A,Web,2012-09-07,Closed with monetary relief,Yes,No,CR0147106,2909
2012-09-05,Credit card,,Billing disputes,,,,N/A,Web,2012-09-07,Closed with explanation,Yes,No,CR0146755,28
2012-09-05,Credit card,,Collection debt dispute,,,,N/A,Web,2012-09-06,Closed with explanation,Yes,Yes,CR0147081,1482
2012-09-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-09-07,Closed with explanation,Yes,No,CR0147048,1346
2012-09-04,Credit card,,Rewards,,,,N/A,Web,2012-09-04,Closed with explanation,Yes,No,CR0146254,5722
2012-09-04,Credit card,,Credit reporting,,,Older American,N/A,Web,2012-09-06,Closed with non-monetary relief,Yes,No,CR0146367,2504
2012-09-04,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2012-09-04,Closed with explanation,Yes,No,CR0146262,4131
2012-09-04,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2012-09-05,Closed with non-monetary relief,Yes,No,CR0146330,3056
2012-09-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-09-04,Closed with explanation,Yes,No,CR0146252,5241
2012-09-03,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-09-05,Closed with non-monetary relief,Yes,No,CR0145719,668
2012-09-02,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-09-04,Closed with non-monetary relief,Yes,Yes,CR0145679,658
2012-09-01,Credit card,,Collection debt dispute,,,,N/A,Web,2012-09-04,Closed with explanation,Yes,No,CR0145996,2625
2012-09-01,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-09-04,Closed with explanation,Yes,Yes,CR0145666,3073
2012-09-01,Credit card,,Credit reporting,,,,N/A,Web,2012-09-04,Closed with explanation,Yes,Yes,CR0145647,2511
2012-09-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-09-04,Closed with explanation,Yes,No,CR0145676,2346
2012-08-31,Credit card,,Payoff process,,,Older American,N/A,Web,2012-09-04,Closed with explanation,Yes,Yes,CR0145562,7772
2012-08-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-12-14,Closed with explanation,No,No,CR0145426,1819
2012-08-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-09-05,Closed with monetary relief,Yes,No,CR0145625,8327
2012-08-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-09-05,Closed with monetary relief,Yes,No,CR0145573,130
2012-08-30,Credit card,,Billing disputes,,,,N/A,Web,2012-09-05,Closed with non-monetary relief,Yes,No,CR0145018,6275
2012-08-30,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-08-30,Closed with explanation,Yes,No,CR0144378,3573
2012-08-30,Credit card,,Billing disputes,,,,N/A,Web,2012-08-30,Closed with explanation,Yes,No,CR0144397,3422
2012-08-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-09-05,Closed with explanation,Yes,No,CR0144953,4044
2012-08-29,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-08-30,Closed with monetary relief,Yes,No,CR0144211,2732
2012-08-29,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-08-30,Closed with explanation,Yes,Yes,CR0144210,11598
2012-08-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-09-05,Closed with monetary relief,Yes,No,CR0143732,2937
2012-08-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-09-05,Closed with explanation,Yes,No,CR0143733,892
2012-08-28,Credit card,,Billing statement,,,,N/A,Web,2012-08-29,Closed with non-monetary relief,Yes,Yes,CR0144016,1825
2012-08-28,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-08-29,Closed with explanation,No,No,CR0143508,4001
2012-08-28,Credit card,,Credit determination,,,,N/A,Web,2012-08-29,Closed with explanation,No,No,CR0143335,2102
2012-08-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-08-29,Closed with monetary relief,Yes,No,CR0143503,3187
2012-08-27,Credit card,,Collection practices,,,,N/A,Web,2012-08-29,Closed with monetary relief,Yes,Yes,CR0142606,4484
2012-08-27,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2012-08-30,Closed with explanation,No,No,CR0142653,1947
2012-08-27,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Web,2012-08-28,Closed with explanation,Yes,No,CR0142493,3281
2012-08-27,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2012-08-28,Closed with monetary relief,No,,CR0142496,1353
2012-08-27,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2012-08-28,Closed with explanation,Yes,Yes,CR0142440,2304
2012-08-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-08-30,Closed with monetary relief,Yes,No,CR0142481,3718
2012-08-27,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2012-08-28,Closed with non-monetary relief,Yes,No,CR0142582,4729
2012-08-26,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-08-29,Closed with explanation,No,No,CR0141973,1596
2012-08-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-08-29,Closed with explanation,Yes,No,CR0141554,323
2012-08-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-08-29,Closed with monetary relief,Yes,No,CR0141968,353
2012-08-25,Credit card,,Transaction issue,,,,N/A,Web,2012-08-28,Closed with explanation,Yes,No,CR0141849,1892
2012-08-24,Credit card,,Balance transfer,,,,N/A,Web,2012-08-27,Closed with explanation,Yes,No,CR0141782,1073
2012-08-24,Credit card,,Rewards,,,,N/A,Web,2012-08-24,Closed with non-monetary relief,No,No,CR0141133,2531
2012-08-24,Credit card,,Rewards,,,Older American,N/A,Web,2012-08-28,Closed with non-monetary relief,Yes,Yes,CR0141795,4575
2012-08-24,Credit card,,Billing disputes,,,,N/A,Web,2012-08-28,Closed with explanation,No,Yes,CR0141801,305
2012-08-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-08-27,Closed with monetary relief,Yes,No,CR0141730,4358
2012-08-23,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-08-27,Closed with explanation,Yes,Yes,CR0140282,105
2012-08-23,Credit card,,Billing disputes,,,,N/A,Web,2012-08-23,Closed with explanation,Yes,No,CR0141163,1384
2012-08-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-08-24,Closed with monetary relief,Yes,No,CR0140974,1960
2012-08-23,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2012-08-24,Closed with monetary relief,Yes,No,CR0141036,3557
2012-08-23,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-08-27,Closed with non-monetary relief,Yes,No,CR0141094,4318
2012-08-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-08-27,Closed with monetary relief,Yes,No,CR0141080,13576
2012-08-22,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-08-22,Closed with explanation,Yes,Yes,CR0140058,7299
2012-08-22,Credit card,,Credit reporting,,,,N/A,Web,2012-08-22,Closed with explanation,Yes,Yes,CR0139547,2846
2012-08-22,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-08-23,Closed with non-monetary relief,No,No,CR0140172,5326
2012-08-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-08-22,Closed with monetary relief,Yes,No,CR0140126,4518
2012-08-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-12-13,Closed with explanation,No,No,CR0140144,4232
2012-08-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-08-23,Closed with monetary relief,Yes,No,CR0140018,3236
2012-08-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-08-22,Closed with explanation,Yes,No,CR0140059,4658
2012-08-21,Credit card,,Rewards,,,,N/A,Web,2012-08-22,Closed with explanation,Yes,Yes,CR0138704,2279
2012-08-21,Credit card,,Balance transfer,,,,N/A,Web,2012-09-06,Closed with monetary relief,Yes,No,CR0138717,3044
2012-08-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-08-21,Closed with monetary relief,Yes,No,CR0139429,2277
2012-08-21,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2012-08-22,Closed with monetary relief,Yes,No,CR0139241,2925
2012-08-21,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-08-21,Closed with non-monetary relief,Yes,No,CR0139423,3639
2012-08-20,Credit card,,APR or interest rate,,,Older American,N/A,Web,2012-08-21,Closed with non-monetary relief,Yes,No,CR0138457,388
2012-08-20,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-08-21,Closed with explanation,Yes,Yes,CR0138268,3511
2012-08-20,Credit card,,Collection debt dispute,,,,N/A,Web,2012-08-21,Closed with explanation,Yes,No,CR0139026,4536
2012-08-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-08-22,Closed with explanation,Yes,No,CR0138609,1866
2012-08-20,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2012-09-06,Closed with non-monetary relief,Yes,Yes,CR0138426,2882
2012-08-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-08-21,Closed with explanation,Yes,Yes,CR0138757,4494
2012-08-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-08-22,Closed with non-monetary relief,Yes,No,CR0138605,516
2012-08-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-08-22,Closed with explanation,Yes,No,CR0138619,992
2012-08-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-11-27,Closed with explanation,Yes,No,CR0137967,3407
2012-08-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-08-21,Closed with explanation,Yes,No,CR0138468,3197
2012-08-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-08-20,Closed with explanation,Yes,No,CR0137922,1093
2012-08-18,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-08-20,Closed with explanation,No,Yes,CR0137878,4504
2012-08-17,Credit card,,Arbitration,,,Older American,N/A,Web,2012-11-23,Closed with non-monetary relief,Yes,No,CR0137638,3694
2012-08-17,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2012-08-20,Closed with non-monetary relief,No,No,CR0137808,1058
2012-08-17,Credit card,,Privacy,,,,N/A,Web,2012-08-20,Untimely response,No,,CR0137660,7959
2012-08-17,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-08-20,Closed with non-monetary relief,Yes,No,CR0137636,2316
2012-08-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-08-20,Closed with non-monetary relief,Yes,No,CR0137814,7727
2012-08-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-08-20,Closed with monetary relief,Yes,No,CR0137751,2104
2012-08-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-08-20,Closed with monetary relief,Yes,No,CR0137245,1424
2012-08-16,Credit card,,Transaction issue,,,,N/A,Web,2012-08-16,Closed with explanation,Yes,Yes,CR0136538,9451
2012-08-16,Credit card,,Billing statement,,,Older American,N/A,Web,2012-08-20,Closed with explanation,No,No,CR0136950,861
2012-08-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-08-23,Closed with explanation,Yes,No,CR0136958,1178
2012-08-16,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-08-21,Closed with explanation,Yes,No,CR0137078,544
2012-08-16,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Web,2012-08-16,Closed with explanation,Yes,No,CR0136965,2486
2012-08-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-08-17,Closed with explanation,Yes,No,CR0137098,3403
2012-08-15,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-08-16,Closed with explanation,Yes,No,CR0136288,3396
2012-08-15,Credit card,,Other,,,,N/A,Web,2012-08-16,Closed with explanation,Yes,Yes,CR0136302,5081
2012-08-15,Credit card,,Credit reporting,,,,N/A,Web,2012-08-17,Closed with non-monetary relief,Yes,No,CR0136283,3137
2012-08-15,Credit card,,Credit reporting,,,,N/A,Web,2012-08-16,Closed with explanation,Yes,No,CR0136284,2795
2012-08-15,Credit card,,Collection debt dispute,,,,N/A,Web,2012-08-17,Closed with explanation,Yes,No,CR0136281,4569
2012-08-15,Credit card,,Rewards,,,,N/A,Web,2012-08-18,Closed with explanation,No,No,CR0136363,3640
2012-08-15,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2012-08-18,Closed with explanation,Yes,Yes,CR0136347,1178
2012-08-14,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-08-15,Closed with explanation,Yes,Yes,CR0135554,1518
2012-08-14,Credit card,,Late fee,,,Older American,N/A,Web,2012-08-15,Closed with monetary relief,Yes,No,CR0134989,4341
2012-08-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-08-14,Closed with non-monetary relief,Yes,No,CR0135013,9593
2012-08-14,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2012-08-21,Closed with monetary relief,Yes,No,CR0135551,4591
2012-08-13,Credit card,,Collection practices,,,,N/A,Web,2012-08-15,Closed with monetary relief,Yes,Yes,CR0134863,142
2012-08-13,Credit card,,Credit reporting,,,Older American,N/A,Web,2012-08-15,Closed with explanation,Yes,No,CR0134917,446
2012-08-13,Credit card,,Collection debt dispute,,,,N/A,Web,2012-08-15,Closed with non-monetary relief,Yes,Yes,CR0134916,4437
2012-08-13,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2012-08-15,Closed with monetary relief,Yes,No,CR0134696,13405
2012-08-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-08-15,Closed with explanation,Yes,No,CR0134691,6619
2012-08-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-08-15,Closed with monetary relief,Yes,No,CR0134915,4673
2012-08-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-08-16,Closed with monetary relief,Yes,No,CR0134807,6178
2012-08-12,Credit card,,Billing disputes,,,,N/A,Web,2012-08-19,Closed with explanation,Yes,Yes,CR0133688,2702
2012-08-12,Credit card,,Billing disputes,,,,N/A,Web,2012-08-19,Closed with monetary relief,No,Yes,CR0134220,5472
2012-08-11,Credit card,,Closing/Cancelling account,,,"Older American, Servicemember",N/A,Web,2012-08-14,Closed with explanation,Yes,Yes,CR0134150,1045
2012-08-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-08-14,Closed with monetary relief,Yes,No,CR0134155,3282
2012-08-10,Credit card,,Rewards,,,Older American,N/A,Web,2012-08-13,Closed with explanation,Yes,Yes,CR0133365,5801
2012-08-10,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-08-14,Closed with explanation,Yes,No,CR0133945,4425
2012-08-10,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2012-08-13,Closed with non-monetary relief,Yes,No,CR0133376,7348
2012-08-09,Credit card,,Credit reporting,,,,N/A,Web,2012-08-10,Closed with explanation,No,No,CR0132847,10563
2012-08-09,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-08-10,Closed with explanation,Yes,No,CR0133319,2018
2012-08-09,Credit card,,APR or interest rate,,,,N/A,Web,2012-08-13,Closed with explanation,Yes,No,CR0133177,7065
2012-08-09,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Web,2012-08-09,Closed with monetary relief,Yes,No,CR0132832,331
2012-08-09,Credit card,,Billing disputes,,,,N/A,Web,2012-08-13,Closed with monetary relief,Yes,No,CR0132841,3187
2012-08-09,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-08-10,Closed with explanation,Yes,Yes,CR0132863,1496
2012-08-09,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2012-08-23,Closed with non-monetary relief,Yes,No,CR0133289,4861
2012-08-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-08-10,Closed with monetary relief,Yes,No,CR0132829,1622
2012-08-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-08-13,Closed with monetary relief,Yes,No,CR0133267,3490
2012-08-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-08-13,Closed with monetary relief,Yes,No,CR0133314,3366
2012-08-08,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-08-08,Closed with explanation,Yes,No,CR0131691,2669
2012-08-08,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-08-10,Closed with explanation,No,Yes,CR0132816,455
2012-08-08,Credit card,,Billing disputes,,,,N/A,Web,2012-08-09,Closed with explanation,No,No,CR0132584,1647
2012-08-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-08-09,Closed with explanation,Yes,No,CR0132718,1209
2012-08-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-08-10,Closed with explanation,Yes,No,CR0131963,11686
2012-08-08,Bank account or service,Checking account,Using a debit or ATM card,,,Servicemember,N/A,Web,2012-08-09,Closed with explanation,Yes,No,CR0132025,13089
2012-08-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-09-24,Closed with explanation,Yes,No,CR0132139,4687
2012-08-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-08-09,Closed with monetary relief,Yes,No,CR0132744,4395
2012-08-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-08-09,Closed with explanation,Yes,No,CR0131982,3746
2012-08-07,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-08-09,Closed,Yes,Yes,CR0131421,8692
2012-08-07,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2012-08-10,Closed with explanation,Yes,No,CR0130823,3375
2012-08-07,Credit card,,Rewards,,,,N/A,Web,2012-08-08,Closed with monetary relief,Yes,No,CR0131734,2830
2012-08-07,Credit card,,Transaction issue,,,,N/A,Web,2012-08-08,Closed with non-monetary relief,Yes,No,CR0131786,8615
2012-08-07,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2012-08-09,Closed with non-monetary relief,Yes,Yes,CR0131527,3568
2012-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-08-15,Closed with explanation,Yes,No,CR0131938,10066
2012-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2012-08-08,Closed with explanation,Yes,No,CR0131866,2429
2012-08-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-08-08,Closed with monetary relief,Yes,No,CR0131719,4136
2012-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-08-08,Closed with monetary relief,Yes,No,CR0131778,822
2012-08-06,Credit card,,Advertising and marketing,,,Older American,N/A,Web,2012-08-08,Closed with non-monetary relief,Yes,No,CR0130492,1691
2012-08-06,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-08-07,Closed,Yes,No,CR0130758,2353
2012-08-06,Credit card,,Billing disputes,,,,N/A,Web,2012-08-07,Closed with non-monetary relief,Yes,No,CR0130673,3062
2012-08-06,Credit card,,Convenience checks,,,Older American,N/A,Web,2012-08-07,Closed with monetary relief,Yes,No,CR0130750,5133
2012-08-06,Credit card,,APR or interest rate,,,,N/A,Web,2012-08-13,Closed with explanation,Yes,No,CR0130532,4652
2012-08-06,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Web,2012-08-07,Closed with explanation,Yes,Yes,CR0130671,9366
2012-08-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2012-08-07,Closed with explanation,Yes,No,CR0130791,4057
2012-08-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-08-14,Closed with explanation,Yes,No,CR0130209,2607
2012-08-05,Credit card,,APR or interest rate,,,,N/A,Web,2012-08-07,Closed with explanation,Yes,Yes,CR0130463,4253
2012-08-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-08-07,Closed with monetary relief,Yes,No,CR0130475,5727
2012-08-03,Credit card,,Other fee,,,,N/A,Web,2012-08-03,Closed with monetary relief,No,No,CR0129382,1509
2012-08-03,Credit card,,Collection debt dispute,,,,N/A,Web,2012-08-06,Closed with non-monetary relief,Yes,No,CR0129441,618
2012-08-03,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-08-07,Closed with non-monetary relief,Yes,No,CR0129475,3158
2012-08-03,Credit card,,Late fee,,,,N/A,Web,2012-08-07,Closed with non-monetary relief,Yes,No,CR0130327,293
2012-08-03,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-08-08,Closed with explanation,Yes,Yes,CR0130021,4643
2012-08-03,Credit card,,Collection debt dispute,,,,N/A,Web,2012-08-06,Closed with explanation,Yes,No,CR0129508,1248
2012-08-03,Credit card,,Payoff process,,,,N/A,Web,2012-08-07,Closed with non-monetary relief,Yes,Yes,CR0129281,4360
2012-08-02,Credit card,,Billing disputes,,,,N/A,Web,2012-08-13,Closed with explanation,Yes,No,CR0129264,1317
2012-08-02,Credit card,,Billing disputes,,,,N/A,Web,2012-08-13,Closed with explanation,Yes,No,CR0129265,36
2012-08-02,Credit card,,Credit reporting,,,,N/A,Web,2012-08-02,Closed with explanation,No,Yes,CR0128586,4060
2012-08-02,Credit card,,Credit reporting,,,,N/A,Web,2012-08-03,Closed with explanation,Yes,No,CR0129271,3086
2012-08-02,Credit card,,Billing disputes,,,,N/A,Web,2012-08-06,Closed,Yes,No,CR0129117,74
2012-08-02,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2012-08-03,Closed with non-monetary relief,Yes,No,CR0129083,4280
2012-08-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-08-03,Closed with explanation,Yes,Yes,CR0128936,146
2012-08-02,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-08-03,Closed with explanation,Yes,No,CR0129213,754
2012-08-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-08-02,Closed with monetary relief,Yes,No,CR0128290,303
2012-08-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-08-06,Closed with monetary relief,Yes,No,CR0129157,46
2012-08-01,Credit card,,Collection practices,,,Older American,N/A,Web,2012-08-03,Closed with non-monetary relief,Yes,No,CR0127168,2467
2012-08-01,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2012-08-02,Closed with non-monetary relief,Yes,No,CR0128488,4163
2012-08-01,Credit card,,APR or interest rate,,,,N/A,Web,2012-08-02,Closed with non-monetary relief,Yes,No,CR0128506,3365
2012-08-01,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-08-02,Closed with explanation,Yes,No,CR0128525,396
2012-08-01,Credit card,,Billing statement,,,,N/A,Web,2012-08-02,Closed with explanation,No,No,CR0128322,1908
2012-08-01,Credit card,,Credit reporting,,,,N/A,Web,2012-08-02,Closed with explanation,No,No,CR0127651,2909
2012-08-01,Credit card,,Billing disputes,,,,N/A,Web,2012-08-02,Closed with non-monetary relief,Yes,No,CR0128198,4784
2012-08-01,Credit card,,Billing statement,,,Older American,N/A,Web,2012-09-04,Closed with non-monetary relief,Yes,No,CR0128468,1156
2012-08-01,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2012-08-02,Closed with monetary relief,Yes,No,CR0128425,534
2012-08-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-08-02,Closed with monetary relief,Yes,No,CR0128480,2377
2012-08-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-08-02,Closed with monetary relief,Yes,No,CR0128297,228
2012-07-31,Credit card,,Credit reporting,,,,N/A,Web,2012-08-01,Closed with explanation,Yes,Yes,CR0126815,4297
2012-07-31,Credit card,,Other,,,,N/A,Web,2012-08-03,Closed with explanation,Yes,No,CR0127527,3753
2012-07-31,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-08-02,Closed with explanation,No,Yes,CR0127370,1921
2012-07-31,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-08-02,Closed with explanation,Yes,No,CR0127462,1944
2012-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-08-06,Closed with non-monetary relief,Yes,No,CR0127297,2189
2012-07-31,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-08-01,Closed with monetary relief,Yes,No,CR0127505,1725
2012-07-30,Credit card,,Collection practices,,,,N/A,Web,2012-08-07,Closed with explanation,Yes,No,CR0126624,2482
2012-07-30,Credit card,,Billing disputes,,,,N/A,Web,2012-08-01,Closed with explanation,Yes,No,CR0126748,4640
2012-07-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2012-08-01,Closed with explanation,Yes,No,CR0126604,1712
2012-07-30,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-08-10,Closed with non-monetary relief,Yes,No,CR0126681,2571
2012-07-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-08-01,Closed with monetary relief,Yes,No,CR0126806,4606
2012-07-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-08-01,Closed with explanation,Yes,No,CR0126749,881
2012-07-29,Credit card,,Rewards,,,,N/A,Web,2012-07-31,Closed with monetary relief,Yes,No,CR0126125,1136
2012-07-29,Credit card,,Credit reporting,,,,N/A,Web,2012-08-01,Closed with non-monetary relief,Yes,No,CR0126153,878
2012-07-29,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-08-01,Closed with explanation,Yes,No,CR0126147,3193
2012-07-29,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-07-31,Closed with explanation,Yes,Yes,CR0126137,5224
2012-07-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-07-31,Closed with explanation,Yes,Yes,CR0126116,9250
2012-07-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-07-31,Closed with explanation,Yes,Yes,CR0126308,1886
2012-07-28,Credit card,,Late fee,,,,N/A,Web,2012-07-31,Closed with explanation,Yes,No,CR0126109,4071
2012-07-28,Credit card,,Credit determination,,,,N/A,Web,2012-07-31,Closed with explanation,Yes,No,CR0126307,1750
2012-07-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-08-01,Closed with explanation,Yes,No,CR0125954,2357
2012-07-27,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-07-30,Closed with explanation,Yes,No,CR0125326,4195
2012-07-27,Credit card,,Credit reporting,,,,N/A,Web,2012-07-30,Closed with explanation,Yes,No,CR0125322,5010
2012-07-27,Credit card,,APR or interest rate,,,,N/A,Web,2012-07-31,Closed with explanation,Yes,Yes,CR0125396,12376
2012-07-27,Credit card,,Collection debt dispute,,,,N/A,Web,2012-07-31,Closed with explanation,Yes,No,CR0125989,1068
2012-07-27,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-08-01,Closed with explanation,No,No,CR0126016,3129
2012-07-27,Credit card,,Billing disputes,,,,N/A,Web,2012-07-27,Closed with explanation,Yes,Yes,CR0125318,2252
2012-07-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-08-20,Closed with explanation,Yes,No,CR0125324,3696
2012-07-27,Credit card,,Other fee,,,,N/A,Web,2012-07-30,Closed with explanation,Yes,No,CR0125330,4794
2012-07-27,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-08-01,Closed with explanation,Yes,Yes,CR0125909,3083
2012-07-27,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2012-07-30,Closed with explanation,Yes,Yes,CR0125328,2822
2012-07-26,Credit card,,Billing disputes,,,,N/A,Web,2012-07-27,Closed with monetary relief,Yes,No,CR0125083,4662
2012-07-26,Credit card,,Billing disputes,,,,N/A,Web,2012-07-30,Closed with explanation,Yes,No,CR0125213,3620
2012-07-26,Credit card,,Billing disputes,,,,N/A,Web,2012-07-30,Closed with explanation,Yes,No,CR0125210,3458
2012-07-26,Credit card,,APR or interest rate,,,,N/A,Web,2012-08-02,Closed with explanation,Yes,No,CR0124956,4526
2012-07-26,Credit card,,Billing disputes,,,,N/A,Web,2012-07-30,Closed with explanation,Yes,No,CR0125211,3116
2012-07-26,Credit card,,Billing disputes,,,,N/A,Web,2012-07-30,Closed with explanation,Yes,No,CR0125220,2751
2012-07-26,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2012-07-27,Closed with monetary relief,Yes,No,CR0124412,2464
2012-07-25,Credit card,,Arbitration,,,Older American,N/A,Web,2012-07-31,Untimely response,No,,CR0124050,1953
2012-07-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-07-25,Closed with explanation,Yes,No,CR0123713,4525
2012-07-25,Credit card,,Rewards,,,Older American,N/A,Web,2012-07-26,Closed with explanation,Yes,No,CR0124240,187
2012-07-25,Credit card,,Transaction issue,,,,N/A,Web,2012-07-30,Closed with non-monetary relief,Yes,No,CR0124198,4737
2012-07-25,Credit card,,APR or interest rate,,,,N/A,Web,2012-07-27,Closed with explanation,Yes,No,CR0124220,2162
2012-07-25,Credit card,,Billing statement,,,Older American,N/A,Web,2012-09-20,Closed with explanation,Yes,Yes,CR0124344,215
2012-07-25,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-07-27,Closed with non-monetary relief,Yes,No,CR0124224,1141
2012-07-25,Credit card,,APR or interest rate,,,,N/A,Web,2012-07-30,Closed with explanation,No,No,CR0124341,1363
2012-07-25,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Web,2012-07-31,Closed with monetary relief,Yes,No,CR0124342,1366
2012-07-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-07-27,Closed with explanation,Yes,Yes,CR0124267,507
2012-07-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-07-26,Closed,Yes,No,CR0124249,587
2012-07-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-07-24,Closed with monetary relief,Yes,No,CR0122400,2028
2012-07-24,Credit card,,APR or interest rate,,,,N/A,Web,2012-07-25,Closed with monetary relief,Yes,No,CR0123418,41
2012-07-24,Credit card,,APR or interest rate,,,Older American,N/A,Web,2012-07-31,Closed with non-monetary relief,Yes,No,CR0123566,3788
2012-07-24,Credit card,,Other,,,,N/A,Web,2012-07-25,Closed with non-monetary relief,Yes,No,CR0123425,4358
2012-07-24,Credit card,,Billing statement,,,Older American,N/A,Web,2012-07-26,Closed with monetary relief,Yes,Yes,CR0123501,5801
2012-07-24,Credit card,,Billing disputes,,,,N/A,Web,2012-07-27,Closed with explanation,No,No,CR0123372,1098
2012-07-24,Credit card,,Other fee,,,,N/A,Web,2012-07-25,Closed with explanation,Yes,No,CR0123413,12432
2012-07-24,Credit card,,Transaction issue,,,,N/A,Web,2012-07-24,Closed with explanation,Yes,No,CR0122752,440
2012-07-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-07-25,Closed with explanation,Yes,No,CR0123541,516
2012-07-23,Credit card,,Credit reporting,,,,N/A,Web,2012-07-24,Closed with explanation,Yes,No,CR0122560,1790
2012-07-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-07-24,Closed with monetary relief,Yes,No,CR0122615,964
2012-07-23,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Servicemember,N/A,Web,2012-07-24,Closed with explanation,Yes,No,CR0122673,11977
2012-07-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-07-24,Closed with monetary relief,Yes,No,CR0122396,4941
2012-07-23,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2012-07-24,Closed with explanation,Yes,No,CR0122362,4698
2012-07-22,Credit card,,Collection debt dispute,,,,N/A,Web,2012-07-24,Closed with explanation,Yes,No,CR0121485,2779
2012-07-22,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2012-07-24,Closed with explanation,Yes,No,CR0121914,3632
2012-07-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-07-24,Closed with monetary relief,Yes,No,CR0121467,4368
2012-07-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-07-24,Closed with explanation,Yes,No,CR0121797,3065
2012-07-20,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-07-24,Closed with explanation,Yes,No,CR0120889,1207
2012-07-20,Credit card,,Advertising and marketing,,,Older American,N/A,Web,2012-07-24,Closed with explanation,No,No,CR0121663,2041
2012-07-20,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-07-23,Closed with explanation,Yes,Yes,CR0122185,13071
2012-07-20,Credit card,,Late fee,,,,N/A,Web,2012-07-24,Closed with non-monetary relief,Yes,No,CR0120881,3652
2012-07-20,Credit card,,Delinquent account,,,,N/A,Web,2012-07-24,Closed with explanation,Yes,No,CR0121537,13548
2012-07-20,Credit card,,Other,,,Servicemember,N/A,Web,2012-07-24,Closed with explanation,Yes,Yes,CR0121681,4289
2012-07-20,Credit card,,Billing disputes,,,Older American,N/A,Web,2012-07-24,Closed with non-monetary relief,Yes,Yes,CR0121529,1893
2012-07-20,Credit card,,Advertising and marketing,,,,N/A,Web,2012-07-24,Closed with explanation,Yes,No,CR0121668,4540
2012-07-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-07-23,Closed with monetary relief,Yes,No,CR0120898,3345
2012-07-20,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2012-07-24,Closed with monetary relief,Yes,No,CR0121701,5579
2012-07-20,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-07-23,Closed with explanation,Yes,No,CR0121536,4743
2012-07-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-07-24,Closed with explanation,Yes,Yes,CR0121693,302
2012-07-19,Credit card,,Other fee,,,Older American,N/A,Web,2012-07-20,Closed with explanation,Yes,No,CR0120738,3971
2012-07-19,Credit card,,APR or interest rate,,,Older American,N/A,Web,2012-07-24,Closed with non-monetary relief,Yes,No,CR0120850,4754
2012-07-19,Credit card,,Balance transfer,,,,N/A,Web,2012-07-23,Closed with monetary relief,Yes,No,CR0120582,7863
2012-07-19,Credit card,,Billing statement,,,,N/A,Web,2012-07-23,Closed with non-monetary relief,Yes,No,CR0120717,1112
2012-07-19,Credit card,,Advertising and marketing,,,Older American,N/A,Web,2012-07-23,Closed with monetary relief,Yes,No,CR0120675,3698
2012-07-18,Credit card,,Payoff process,,,,N/A,Web,2012-07-19,Closed with explanation,Yes,Yes,CR0119832,1445
2012-07-18,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2012-07-26,Closed with non-monetary relief,Yes,No,CR0119947,2938
2012-07-18,Credit card,,Other,,,,N/A,Web,2012-07-24,Closed with explanation,Yes,No,CR0120028,5354
2012-07-18,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2012-07-24,Closed with explanation,Yes,Yes,CR0119188,33
2012-07-18,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2012-08-02,Closed with explanation,Yes,Yes,CR0119971,3290
2012-07-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-07-24,Closed with monetary relief,Yes,No,CR0120078,3954
2012-07-17,Credit card,,Transaction issue,,,Older American,N/A,Web,2012-07-17,Closed with explanation,Yes,No,CR0118341,4318
2012-07-17,Credit card,,Unsolicited issuance of credit card,,,Older American,N/A,Web,2012-07-18,Closed with explanation,Yes,No,CR0119010,3328
2012-07-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-07-24,Closed with non-monetary relief,Yes,No,CR0119048,2292
2012-07-17,Credit card,,Late fee,,,,N/A,Web,2012-07-17,Closed with explanation,Yes,Yes,CR0118020,426
2012-07-17,Credit card,,APR or interest rate,,,Older American,N/A,Web,2012-07-24,Closed with non-monetary relief,Yes,No,CR0119046,3109
2012-07-17,Credit card,,Sale of account,,,,N/A,Web,2012-07-19,Closed with explanation,Yes,No,CR0119214,4833
2012-07-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-07-24,Closed with explanation,Yes,No,CR0118971,840
2012-07-17,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2012-07-19,Closed with explanation,Yes,No,CR0119092,2408
2012-07-16,Credit card,,Rewards,,,,N/A,Web,2012-07-18,Closed with explanation,Yes,Yes,CR0118040,2881
2012-07-16,Credit card,,APR or interest rate,,,,N/A,Web,2012-07-17,Closed with explanation,Yes,No,CR0117614,155
2012-07-16,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-07-17,Closed with non-monetary relief,Yes,No,CR0118087,2128
2012-07-16,Credit card,,Credit reporting,,,,N/A,Web,2012-07-17,Closed with explanation,Yes,Yes,CR0118075,2295
2012-07-16,Credit card,,Collection debt dispute,,,,N/A,Web,2012-07-18,Closed with explanation,Yes,No,CR0118226,5134
2012-07-16,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-07-17,Closed with explanation,Yes,No,CR0118302,1851
2012-07-16,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2012-07-17,Closed with explanation,Yes,No,CR0118060,352
2012-07-16,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2012-07-17,Closed with explanation,Yes,Yes,CR0118032,19
2012-07-16,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2012-07-17,Closed with explanation,Yes,No,CR0118332,512
2012-07-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-07-17,Closed with explanation,Yes,No,CR0117616,253
2012-07-15,Credit card,,Billing disputes,,,,N/A,Web,2012-07-17,Closed with explanation,Yes,No,CR0117562,3923
2012-07-15,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-07-17,Closed with explanation,No,No,CR0117955,11122
2012-07-15,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-07-20,Closed with explanation,Yes,No,CR0117573,269
2012-07-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-07-17,Closed with monetary relief,Yes,No,CR0117564,4792
2012-07-15,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2012-07-17,Closed with explanation,Yes,No,CR0117597,3774
2012-07-14,Credit card,,Collection practices,,,,N/A,Web,2012-07-17,Closed with explanation,Yes,No,CR0117545,4775
2012-07-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-07-17,Closed with monetary relief,Yes,No,CR0117522,6363
2012-07-13,Credit card,,APR or interest rate,,,,N/A,Web,2012-07-17,Closed with explanation,Yes,Yes,CR0117238,5395
2012-07-13,Credit card,,Credit reporting,,,,N/A,Web,2012-07-17,Closed,Yes,No,CR0117382,2663
2012-07-13,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-07-16,Closed with monetary relief,Yes,No,CR0117247,2594
2012-07-13,Credit card,,Other,,,,N/A,Web,2012-07-17,Closed with explanation,Yes,No,CR0117371,211
2012-07-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-07-17,Closed with explanation,Yes,No,CR0117352,682
2012-07-13,Bank account or service,Savings account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2012-07-17,Closed with explanation,Yes,Yes,CR0117271,757
2012-07-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-07-17,Closed with explanation,Yes,Yes,CR0117942,4317
2012-07-12,Credit card,,Transaction issue,,,,N/A,Web,2012-07-16,Closed with explanation,Yes,No,CR0116503,2426
2012-07-12,Credit card,,Billing disputes,,,,N/A,Web,2012-07-13,Closed with explanation,Yes,No,CR0116488,3569
2012-07-12,Credit card,,Credit reporting,,,,N/A,Web,2012-07-16,Closed with explanation,Yes,No,CR0116639,3415
2012-07-12,Credit card,,Payoff process,,,,N/A,Web,2012-07-16,Closed with explanation,Yes,No,CR0116035,5236
2012-07-12,Credit card,,Other fee,,,,N/A,Web,2012-12-19,Closed with monetary relief,Yes,No,CR0116053,3663
2012-07-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-07-16,Closed with explanation,Yes,Yes,CR0116059,3311
2012-07-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-07-16,Closed with explanation,Yes,No,CR0116486,3957
2012-07-11,Credit card,,Transaction issue,,,,N/A,Web,2012-07-13,Closed with explanation,Yes,No,CR0115786,4720
2012-07-11,Credit card,,Rewards,,,Older American,N/A,Web,2012-07-11,Closed with explanation,Yes,Yes,CR0115514,2453
2012-07-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-07-12,Closed with monetary relief,Yes,No,CR0115865,4364
2012-07-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-07-16,Closed with non-monetary relief,Yes,No,CR0115505,4350
2012-07-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-07-13,Closed with explanation,Yes,No,CR0115894,3613
2012-07-11,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2012-07-18,Closed with explanation,Yes,No,CR0115898,1829
2012-07-11,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-07-16,Closed with monetary relief,Yes,No,CR0115964,3683
2012-07-10,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-07-11,Closed with non-monetary relief,Yes,Yes,CR0114622,3244
2012-07-10,Credit card,,Credit determination,,,,N/A,Web,2012-07-11,Closed with explanation,Yes,Yes,CR0115678,279
2012-07-10,Credit card,,Billing disputes,,,Older American,N/A,Web,2012-07-11,Closed with non-monetary relief,Yes,No,CR0115343,4205
2012-07-10,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-12-14,Closed with explanation,Yes,No,CR0115370,1882
2012-07-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-07-11,Closed with explanation,Yes,No,CR0113950,1526
2012-07-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-07-11,Closed,Yes,Yes,CR0114511,2498
2012-07-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-07-11,Closed with explanation,Yes,No,CR0114612,90
2012-07-09,Credit card,,Credit reporting,,,Older American,N/A,Web,2012-07-11,Closed with non-monetary relief,Yes,No,CR0113945,7586
2012-07-09,Credit card,,Advertising and marketing,,,"Older American, Servicemember",N/A,Web,2012-07-12,Closed with non-monetary relief,Yes,No,CR0113960,4554
2012-07-09,Credit card,,Billing disputes,,,,N/A,Web,2012-07-11,Closed with monetary relief,Yes,No,CR0114124,2064
2012-07-09,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-07-11,Closed with explanation,Yes,No,CR0114273,4941
2012-07-09,Credit card,,Credit determination,,,,N/A,Web,2012-07-11,Closed with explanation,Yes,Yes,CR0114340,448
2012-07-09,Credit card,,Billing statement,,,,N/A,Web,2012-07-11,Closed with explanation,Yes,No,CR0113956,71
2012-07-09,Credit card,,Billing disputes,,,Older American,N/A,Web,2012-07-11,Closed with explanation,Yes,No,CR0115040,3675
2012-07-09,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2012-07-11,Closed with explanation,Yes,No,CR0114140,6034
2012-07-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-07-11,Closed with explanation,Yes,Yes,CR0114149,13915
2012-07-09,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-07-11,Closed with non-monetary relief,Yes,Yes,CR0114266,2423
2012-07-09,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Web,2012-07-10,Closed with explanation,Yes,No,CR0114158,11687
2012-07-08,Credit card,,Credit reporting,,,Older American,N/A,Web,2012-07-10,Closed with monetary relief,Yes,No,CR0113547,274
2012-07-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-07-10,Closed with explanation,Yes,Yes,CR0113538,840
2012-07-08,Credit card,,Balance transfer,,,,N/A,Web,2012-07-10,Closed with monetary relief,Yes,No,CR0113558,2455
2012-07-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-07-10,Closed with monetary relief,Yes,No,CR0113553,4275
2012-07-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-07-10,Closed with non-monetary relief,Yes,No,CR0113550,4212
2012-07-07,Credit card,,Collection debt dispute,,,Servicemember,N/A,Web,2012-07-11,Closed with non-monetary relief,Yes,Yes,CR0113452,699
2012-07-07,Credit card,,Advertising and marketing,,,Older American,N/A,Web,2012-07-11,Closed with monetary relief,Yes,No,CR0113483,1936
2012-07-07,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2012-07-11,Closed with monetary relief,Yes,Yes,CR0113447,1481
2012-07-06,Credit card,,Rewards,,,,N/A,Web,2012-07-06,Closed with monetary relief,Yes,No,CR0112741,2990
2012-07-06,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-07-11,Closed with explanation,Yes,No,CR0112784,731
2012-07-06,Credit card,,Rewards,,,Older American,N/A,Web,2012-07-06,Closed with explanation,Yes,No,CR0112753,12382
2012-07-06,Credit card,,Collection practices,,,,N/A,Web,2012-07-11,Closed with explanation,Yes,Yes,CR0113381,537
2012-07-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-07-11,Closed with explanation,Yes,No,CR0112782,5143
2012-07-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-07-11,Closed with monetary relief,Yes,No,CR0113373,13190
2012-07-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-07-10,Closed with monetary relief,Yes,No,CR0113152,10303
2012-07-06,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-07-06,Closed with monetary relief,Yes,No,CR0112775,2578
2012-07-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2012-07-11,Closed with explanation,Yes,No,CR0113264,1743
2012-07-05,Credit card,,Late fee,,,,N/A,Web,2012-07-06,Closed with explanation,Yes,No,CR0112632,5565
2012-07-05,Credit card,,Other fee,,,,N/A,Web,2012-07-06,Closed with monetary relief,Yes,No,CR0112606,1013
2012-07-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-07-06,Closed with explanation,Yes,No,CR0112687,4597
2012-07-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-07-06,Closed with explanation,Yes,No,CR0113049,374
2012-07-05,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Web,2012-07-06,Closed with monetary relief,Yes,No,CR0112646,1516
2012-07-03,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-07-03,Closed with explanation,Yes,No,CR0111860,7800
2012-07-03,Credit card,,Billing disputes,,,,N/A,Web,2012-07-06,Closed with non-monetary relief,Yes,Yes,CR0112259,4425
2012-07-03,Credit card,,Credit reporting,,,,N/A,Web,2012-07-06,Closed with explanation,Yes,No,CR0111965,2639
2012-07-03,Credit card,,Billing disputes,,,,N/A,Web,2012-07-06,Closed with explanation,Yes,No,CR0111968,3734
2012-07-03,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2012-07-03,Closed,Yes,Yes,CR0111426,1322
2012-07-03,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2012-07-06,Closed with explanation,No,No,CR0111945,406
2012-07-03,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2012-07-06,Closed with explanation,Yes,No,CR0111967,5860
2012-07-03,Credit card,,Delinquent account,,,,N/A,Web,2012-07-03,Closed with non-monetary relief,Yes,No,CR0111444,4961
2012-07-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-07-06,Closed with non-monetary relief,Yes,No,CR0111986,6468
2012-07-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-07-06,Closed with monetary relief,Yes,No,CR0111816,9880
2012-07-02,Credit card,,Credit reporting,,,,N/A,Web,2012-07-03,Closed with explanation,Yes,No,CR0110556,10988
2012-07-02,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2012-07-03,Closed with non-monetary relief,Yes,Yes,CR0110744,5277
2012-07-02,Credit card,,Credit determination,,,,N/A,Web,2012-07-03,Closed with explanation,Yes,Yes,CR0111311,3807
2012-07-02,Credit card,,Credit determination,,,,N/A,Web,2012-07-03,Closed with explanation,Yes,Yes,CR0111278,2910
2012-07-02,Credit card,,Rewards,,,Older American,N/A,Web,2012-07-03,Closed with explanation,Yes,No,CR0111162,340
2012-07-02,Credit card,,APR or interest rate,,,,N/A,Web,2012-07-03,Closed with explanation,Yes,No,CR0110765,248
2012-07-02,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-07-03,Closed with explanation,Yes,No,CR0111069,1019
2012-07-01,Credit card,,APR or interest rate,,,,N/A,Web,2012-07-03,Closed with explanation,Yes,Yes,CR0110709,4174
2012-07-01,Credit card,,Collection practices,,,,N/A,Web,2012-07-03,Closed with explanation,Yes,No,CR0110712,1231
2012-07-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-07-03,Closed with monetary relief,Yes,No,CR0110702,2824
2012-06-30,Credit card,,Credit line increase/decrease,,,Servicemember,N/A,Web,2012-07-03,Closed with non-monetary relief,Yes,No,CR0110648,4679
2012-06-30,Credit card,,Credit line increase/decrease,,,Older American,N/A,Web,2012-07-03,Closed with explanation,Yes,Yes,CR0111035,5237
2012-06-30,Credit card,,Credit line increase/decrease,,,Servicemember,N/A,Web,2012-07-03,Closed with non-monetary relief,Yes,No,CR0110649,4731
2012-06-29,Credit card,,Credit reporting,,,,N/A,Web,2012-07-03,Closed with explanation,Yes,Yes,CR0109937,612
2012-06-29,Credit card,,APR or interest rate,,,,N/A,Web,2012-06-30,Closed with explanation,Yes,No,CR0109951,1124
2012-06-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Web,2012-07-02,Closed with explanation,Yes,No,CR0110350,10200
2012-06-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-07-03,Closed with explanation,Yes,No,CR0110580,3367
2012-06-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-07-01,Closed with monetary relief,Yes,No,CR0110546,3232
2012-06-28,Credit card,,Collection debt dispute,,,,N/A,Web,2012-06-28,Closed with explanation,Yes,Yes,CR0109304,666
2012-06-28,Credit card,,Cash advance,,,,N/A,Web,2012-07-03,Closed with monetary relief,Yes,No,CR0109875,2510
2012-06-28,Credit card,,Credit reporting,,,,N/A,Web,2012-07-03,Closed with explanation,Yes,No,CR0109920,3102
2012-06-28,Credit card,,Advertising and marketing,,,Servicemember,N/A,Web,2012-06-28,Closed,Yes,No,CR0109820,3159
2012-06-28,Credit card,,Other,,,,N/A,Web,2012-06-28,Closed with non-monetary relief,Yes,No,CR0109791,810
2012-06-27,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2012-06-28,Closed with explanation,Yes,No,CR0109163,1540
2012-06-27,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-06-27,Closed with explanation,Yes,No,CR0108697,2804
2012-06-27,Credit card,,Billing disputes,,,,N/A,Web,2012-06-28,Closed with explanation,Yes,No,CR0109182,694
2012-06-27,Credit card,,Credit reporting,,,,N/A,Web,2012-06-28,Closed with explanation,Yes,Yes,CR0109185,4127
2012-06-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-07-02,Closed with explanation,Yes,Yes,CR0108689,1614
2012-06-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-06-28,Closed with monetary relief,Yes,No,CR0109228,3689
2012-06-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-06-28,Closed with explanation,Yes,No,CR0109090,577
2012-06-26,Credit card,,Collection debt dispute,,,,N/A,Web,2012-06-27,Closed with explanation,Yes,Yes,CR0107894,2322
2012-06-26,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2012-06-28,Closed,Yes,No,CR0107887,2964
2012-06-26,Credit card,,Credit reporting,,,Older American,N/A,Web,2012-06-29,Closed with non-monetary relief,Yes,No,CR0107907,5618
2012-06-26,Credit card,,Cash advance fee,,,,N/A,Web,2012-06-29,Closed with explanation,Yes,No,CR0107965,509
2012-06-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-06-27,Closed with monetary relief,Yes,Yes,CR0108461,9664
2012-06-26,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2012-06-28,Closed,Yes,Yes,CR0108675,4559
2012-06-25,Credit card,,Late fee,,,,N/A,Web,2012-06-29,Closed with monetary relief,Yes,No,CR0107661,11371
2012-06-25,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2012-07-02,Closed with explanation,Yes,No,CR0107861,375
2012-06-25,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2012-06-28,Closed with monetary relief,Yes,No,CR0107633,3205
2012-06-24,Credit card,,Transaction issue,,,Older American,N/A,Web,2012-07-03,Closed with explanation,Yes,No,CR0107099,56
2012-06-24,Credit card,,Bankruptcy,,,,N/A,Web,2012-06-27,Closed with non-monetary relief,Yes,No,CR0107112,6408
2012-06-24,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2012-06-27,Closed with explanation,Yes,No,CR0107120,8030
2012-06-24,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-06-28,Closed with explanation,Yes,No,CR0107138,3218
2012-06-24,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-07-03,Closed with explanation,Yes,Yes,CR0107139,2492
2012-06-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-06-29,Closed with monetary relief,Yes,No,CR0107142,3000
2012-06-23,Credit card,,Advertising and marketing,,,,N/A,Web,2012-07-31,Closed with explanation,Yes,Yes,CR0107015,4579
2012-06-23,Credit card,,Other,,,,N/A,Web,2012-06-27,Closed with explanation,Yes,No,CR0107087,2034
2012-06-22,Credit card,,Other,,,,N/A,Web,2012-06-27,Closed with explanation,Yes,No,CR0106957,118
2012-06-22,Credit card,,APR or interest rate,,,,N/A,Web,2012-06-22,Closed with explanation,Yes,No,CR0106397,2874
2012-06-22,Credit card,,Billing statement,,,,N/A,Web,2012-06-22,Closed with explanation,Yes,No,CR0106862,1558
2012-06-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-06-29,Closed with explanation,Yes,No,CR0106950,3558
2012-06-22,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2012-06-22,Closed with monetary relief,Yes,No,CR0106857,3896
2012-06-22,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2012-06-28,Closed with monetary relief,Yes,No,CR0106992,3170
2012-06-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-06-22,Closed with explanation,Yes,Yes,CR0106824,4783
2012-06-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-06-22,Closed with explanation,Yes,No,CR0106843,12050
2012-06-21,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-06-22,Closed with non-monetary relief,Yes,No,CR0106124,636
2012-06-21,Credit card,,Other fee,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0106078,469
2012-06-21,Credit card,,Billing statement,,,,N/A,Web,2012-06-22,Closed with monetary relief,Yes,No,CR0106263,3210
2012-06-21,Credit card,,APR or interest rate,,,,N/A,Web,2012-06-22,Closed with explanation,Yes,No,CR0106294,317
2012-06-21,Credit card,,Late fee,,,,N/A,Web,2012-06-26,Closed with explanation,Yes,No,CR0105243,2349
2012-06-21,Credit card,,Advertising and marketing,,,,N/A,Web,2012-06-21,Closed with monetary relief,Yes,No,CR0105308,1599
2012-06-21,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0106073,4505
2012-06-21,Credit card,,APR or interest rate,,,,N/A,Web,2012-06-22,Closed with explanation,Yes,No,CR0106295,1290
2012-06-21,Credit card,,Collection practices,,,Older American,N/A,Web,2012-06-26,Closed with explanation,Yes,No,CR0105276,2768
2012-06-21,Credit card,,Advertising and marketing,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0106065,3061
2012-06-21,Credit card,,APR or interest rate,,,,N/A,Web,2012-06-22,Closed with non-monetary relief,Yes,No,CR0106189,13405
2012-06-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-06-22,Closed with explanation,Yes,No,CR0106058,2545
2012-06-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-06-22,Closed with monetary relief,Yes,No,CR0106120,4244
2012-06-20,Credit card,,Billing disputes,,,Servicemember,N/A,Web,2012-06-21,Closed with non-monetary relief,Yes,Yes,CR0104747,1788
2012-06-20,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-06-21,Closed with non-monetary relief,Yes,No,CR0104755,2945
2012-06-20,Credit card,,Collection practices,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,Yes,CR0105056,1142
2012-06-20,Credit card,,Collection debt dispute,,,Older American,N/A,Web,2012-06-21,Closed with non-monetary relief,Yes,No,CR0105161,2403
2012-06-20,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2012-06-20,Closed with non-monetary relief,Yes,Yes,CR0104719,1576
2012-06-20,Credit card,,Rewards,,,,N/A,Web,2012-06-21,Closed with non-monetary relief,Yes,No,CR0104757,158
2012-06-20,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-06-21,Closed with non-monetary relief,Yes,No,CR0104763,3934
2012-06-20,Credit card,,Other,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0104804,3314
2012-06-20,Credit card,,Rewards,,,Older American,N/A,Web,2012-06-21,Closed with explanation,No,,CR0104866,2962
2012-06-20,Credit card,,Payoff process,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0105142,4059
2012-06-20,Credit card,,APR or interest rate,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0105230,2227
2012-06-20,Credit card,,APR or interest rate,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0104740,5243
2012-06-20,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0104773,5313
2012-06-20,Credit card,,Billing disputes,,,,N/A,Web,2012-06-21,Closed with non-monetary relief,Yes,No,CR0104857,1095
2012-06-20,Credit card,,Credit line increase/decrease,,,Older American,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0104936,1769
2012-06-20,Credit card,,APR or interest rate,,,,N/A,Web,2012-06-21,Closed with non-monetary relief,Yes,No,CR0105041,3044
2012-06-20,Credit card,,Collection debt dispute,,,,N/A,Web,2012-06-21,Closed with non-monetary relief,Yes,No,CR0105045,207
2012-06-20,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2012-06-21,Closed with monetary relief,Yes,Yes,CR0105186,1761
2012-06-20,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0105861,3042
2012-06-20,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Web,2012-07-11,Closed with explanation,Yes,Yes,CR0104583,388
2012-06-20,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0105077,2294
2012-06-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0105175,3845
2012-06-19,Credit card,,Credit reporting,,,,N/A,Web,2012-06-21,Closed with non-monetary relief,Yes,Yes,CR0103764,1015
2012-06-19,Credit card,,Other fee,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0103782,1022
2012-06-19,Credit card,,Other fee,,,,N/A,Web,2012-06-21,Closed with monetary relief,Yes,No,CR0103793,2530
2012-06-19,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0104527,3824
2012-06-19,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-06-21,Closed with monetary relief,Yes,No,CR0104552,782
2012-06-19,Credit card,,Delinquent account,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0104567,641
2012-06-19,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0104708,644
2012-06-19,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-06-21,Closed with non-monetary relief,Yes,No,CR0103693,574
2012-06-19,Credit card,,Collection debt dispute,,,,N/A,Web,2012-06-21,Closed,Yes,No,CR0103786,4399
2012-06-19,Credit card,,APR or interest rate,,,,N/A,Web,2012-06-21,Closed with non-monetary relief,Yes,No,CR0104227,2796
2012-06-19,Credit card,,APR or interest rate,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0104278,5213
2012-06-19,Credit card,,Advertising and marketing,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0104323,1325
2012-06-19,Credit card,,APR or interest rate,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0104593,4581
2012-06-19,Credit card,,Credit reporting,,,Older American,N/A,Web,2012-06-21,Closed with non-monetary relief,Yes,No,CR0104610,2820
2012-06-19,Credit card,,Other,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0103726,3563
2012-06-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-06-25,Closed with explanation,Yes,No,CR0103660,2278
2012-06-19,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-06-21,Closed,Yes,No,CR0103783,3874
2012-06-19,Credit card,,APR or interest rate,,,,N/A,Web,2012-06-21,Closed with monetary relief,Yes,No,CR0104272,3372
2012-06-19,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,Yes,CR0104291,3255
2012-06-19,Credit card,,Payoff process,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0104313,1077
2012-06-19,Credit card,,Delinquent account,,,,N/A,Web,2012-06-21,Closed with non-monetary relief,Yes,No,CR0104498,3921
2012-06-19,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0104648,3896
2012-06-19,Credit card,,Rewards,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0104696,162
2012-06-19,Credit card,,Billing disputes,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0103696,4508
2012-06-19,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0103731,2608
2012-06-19,Credit card,,Credit line increase/decrease,,,Older American,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0103791,222
2012-06-19,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0104221,4453
2012-06-19,Credit card,,Credit reporting,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0104338,284
2012-06-19,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0104492,1952
2012-06-19,Credit card,,Other,,,,N/A,Web,2012-06-21,Closed with non-monetary relief,Yes,No,CR0104589,2323
2012-06-19,Credit card,,Rewards,,,,N/A,Web,2012-06-21,Closed with non-monetary relief,Yes,Yes,CR0104434,4158
2012-06-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-06-22,Closed with explanation,Yes,No,CR0103343,1020
2012-06-19,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2012-06-21,Closed with monetary relief,Yes,No,CR0104240,3794
2012-06-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-06-21,Closed with monetary relief,Yes,No,CR0103737,4105
2012-06-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,Yes,CR0104565,2518
2012-06-19,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0104653,2917
2012-06-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-06-21,Closed with explanation,Yes,Yes,CR0104133,764
2012-06-18,Credit card,,Transaction issue,,,,N/A,Web,2012-06-18,Closed with non-monetary relief,Yes,No,CR0103422,2277
2012-06-18,Credit card,,Cash advance,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,Yes,CR0103564,2169
2012-06-18,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2012-06-21,Closed with monetary relief,Yes,No,CR0103651,13694
2012-06-18,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0103437,10276
2012-06-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0103402,13750
2012-06-17,Credit card,,Billing disputes,,,,N/A,Web,2012-06-18,Closed with explanation,Yes,No,CR0102837,11319
2012-06-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-06-21,Closed with non-monetary relief,Yes,Yes,CR0102841,2834
2012-06-16,Credit card,,Late fee,,,,N/A,Web,2012-06-18,Closed with monetary relief,Yes,No,CR0102773,1263
2012-06-15,Credit card,,APR or interest rate,,,,N/A,Web,2012-06-18,Closed with monetary relief,Yes,No,CR0102703,298
2012-06-15,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2012-06-15,Closed with non-monetary relief,Yes,No,CR0101931,2405
2012-06-15,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,Older American,N/A,Web,2012-06-15,Closed with explanation,Yes,Yes,CR0102245,3194
2012-06-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2012-06-21,Closed with explanation,Yes,No,CR0102621,2214
2012-06-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-06-22,Closed with explanation,Yes,No,CR0102631,3892
2012-06-14,Credit card,,Advertising and marketing,,,Older American,N/A,Web,2012-06-15,Closed with explanation,Yes,Yes,CR0101213,6893
2012-06-14,Credit card,,Billing statement,,,Older American,N/A,Web,2012-06-15,Closed with explanation,Yes,No,CR0101430,341
2012-06-14,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Web,2012-06-15,Closed with explanation,Yes,No,CR0101627,1409
2012-06-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-06-15,Closed with monetary relief,Yes,No,CR0101716,1719
2012-06-14,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-06-15,Closed with explanation,Yes,Yes,CR0101422,3730
2012-06-14,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2012-06-15,Closed with explanation,Yes,Yes,CR0101469,528
2012-06-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-12-12,Closed with explanation,Yes,No,CR0101721,2216
2012-06-13,Credit card,,Collection practices,,,,N/A,Web,2012-06-13,Closed with explanation,Yes,No,CR0100112,4942
2012-06-13,Credit card,,APR or interest rate,,,,N/A,Web,2012-06-14,Closed with explanation,Yes,No,CR0100601,1574
2012-06-13,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2012-06-15,Closed with monetary relief,Yes,No,CR0100773,4630
2012-06-12,Credit card,,Payoff process,,,Older American,N/A,Web,2012-06-14,Closed with explanation,Yes,Yes,CR0099876,1172
2012-06-12,Credit card,,Collection debt dispute,,,,N/A,Web,2012-06-15,Closed with explanation,Yes,Yes,CR0099389,769
2012-06-12,Credit card,,Cash advance,,,,N/A,Web,2012-06-15,Closed with explanation,Yes,Yes,CR0099395,12464
2012-06-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-06-15,Closed,Yes,No,CR0099409,4916
2012-06-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-06-15,Closed with monetary relief,Yes,No,CR0100025,2625
2012-06-11,Credit card,,Rewards,,,,N/A,Web,2012-06-15,Closed with monetary relief,Yes,No,CR0099303,1972
2012-06-11,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Web,2012-06-15,Closed with explanation,Yes,No,CR0099096,5699
2012-06-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-06-15,Closed with explanation,Yes,No,CR0099240,1109
2012-06-11,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2012-06-15,Closed with explanation,Yes,Yes,CR0099295,6987
2012-06-11,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2012-06-15,Closed,Yes,Yes,CR0099249,4030
2012-06-10,Credit card,,Billing statement,,,,N/A,Web,2012-06-13,Closed with explanation,Yes,Yes,CR0097971,3292
2012-06-10,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-06-14,Closed with explanation,Yes,Yes,CR0098049,1083
2012-06-09,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-06-14,Closed with explanation,Yes,No,CR0097896,1113
2012-06-09,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2012-06-14,Closed with explanation,Yes,Yes,CR0097885,2111
2012-06-08,Credit card,,Credit reporting,,,,N/A,Web,2012-06-14,Closed with explanation,Yes,No,CR0097821,10276
2012-06-08,Credit card,,Billing disputes,,,,N/A,Web,2012-06-12,Closed with explanation,Yes,Yes,CR0097477,881
2012-06-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-06-12,Closed with explanation,Yes,No,CR0098052,1965
2012-06-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-06-14,Closed with explanation,Yes,No,CR0097840,967
2012-06-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-06-15,Closed with explanation,Yes,No,CR0098478,4278
2012-06-07,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-06-15,Closed with non-monetary relief,Yes,No,CR0097395,4064
2012-06-05,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-06-06,Closed with non-monetary relief,Yes,No,CR0095020,3391
2012-06-05,Credit card,,Billing disputes,,,,N/A,Web,2012-06-05,Closed with explanation,Yes,Yes,CR0093963,1129
2012-06-05,Credit card,,Delinquent account,,,,N/A,Web,2012-06-05,Closed with non-monetary relief,Yes,No,CR0093962,4628
2012-06-05,Credit card,,Credit reporting,,,,N/A,Web,2012-06-05,Closed with monetary relief,Yes,No,CR0094634,1503
2012-06-04,Credit card,,Credit reporting,,,Older American,N/A,Web,2012-06-04,Closed with non-monetary relief,Yes,Yes,CR0093773,4569
2012-06-04,Credit card,,Balance transfer,,,,N/A,Web,2012-06-04,Closed with explanation,Yes,Yes,CR0093832,5761
2012-06-04,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2012-06-04,Closed with explanation,Yes,No,CR0093720,824
2012-06-04,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2012-06-04,Closed with explanation,Yes,No,CR0093827,2032
2012-06-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-06-05,Closed with monetary relief,Yes,No,CR0093839,1239
2012-06-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-06-05,Closed with non-monetary relief,Yes,No,CR0093141,698
2012-06-04,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Web,2012-06-05,Closed with monetary relief,Yes,No,CR0093933,115
2012-06-03,Credit card,,Late fee,,,,N/A,Web,2012-06-04,Closed with non-monetary relief,Yes,No,CR0092551,3083
2012-06-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-06-04,Closed with non-monetary relief,Yes,No,CR0091988,3041
2012-06-02,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-06-04,Closed with monetary relief,Yes,No,CR0091771,4074
2012-06-02,Credit card,,Cash advance fee,,,Older American,N/A,Web,2012-06-19,Closed with monetary relief,Yes,No,CR0091839,2035
2012-06-02,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-06-02,Closed with explanation,No,No,CR0091903,908
2012-06-01,Credit card,,APR or interest rate,,,,N/A,Web,2012-06-02,Closed with explanation,Yes,No,CR0091481,517
2012-05-31,Credit card,,Advertising and marketing,,,Older American,N/A,Web,2012-06-04,Closed with explanation,Yes,No,CR0090190,4746
2012-05-31,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-06-04,Closed with non-monetary relief,Yes,No,CR0089372,3694
2012-05-31,Credit card,,Other fee,,,,N/A,Web,2012-06-04,Closed with monetary relief,Yes,No,CR0090342,129
2012-05-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-06-04,Closed with non-monetary relief,Yes,Yes,CR0090370,3312
2012-05-31,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-06-01,Closed with explanation,No,No,CR0090206,1143
2012-05-30,Credit card,,Billing disputes,,,,N/A,Web,2012-06-01,Closed with explanation,No,No,CR0088983,3309
2012-05-30,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-05-31,Closed with explanation,No,No,CR0088977,277
2012-05-30,Credit card,,Other,,,Older American,N/A,Web,2012-05-30,Closed with non-monetary relief,Yes,No,CR0088487,1433
2012-05-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-05-30,Closed with monetary relief,Yes,No,CR0088467,2191
2012-05-30,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-06-04,Closed with explanation,Yes,No,CR0089296,1170
2012-05-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-06-04,Closed with explanation,Yes,No,CR0089150,3406
2012-05-29,Credit card,,Arbitration,,,,N/A,Web,2012-05-30,Closed with monetary relief,No,No,CR0088167,1101
2012-05-29,Credit card,,Other,,,,N/A,Web,2012-05-30,Closed with relief,Yes,No,CR0088179,4349
2012-05-26,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-05-29,Closed with non-monetary relief,Yes,No,CR0087738,3504
2012-05-26,Credit card,,Cash advance fee,,,,N/A,Web,2012-05-29,Closed with explanation,Yes,No,CR0087739,2288
2012-05-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Web,2012-05-31,Closed with explanation,Yes,No,CR0087746,3969
2012-05-25,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2012-05-24,Closed with non-monetary relief,Yes,No,CR0087062,4774
2012-05-25,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-05-29,Closed with explanation,Yes,Yes,CR0087078,13620
2012-05-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-05-29,Closed with relief,Yes,Yes,CR0087095,1055
2012-05-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-05-30,Closed with monetary relief,Yes,No,CR0087071,2088
2012-05-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-05-31,Closed with explanation,Yes,No,CR0087712,4327
2012-05-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Web,2012-05-31,Closed with explanation,Yes,No,CR0087093,1687
2012-05-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-05-30,Closed with non-monetary relief,Yes,Yes,CR0087567,797
2012-05-24,Credit card,,Billing disputes,,,,N/A,Web,2012-05-24,Closed with explanation,Yes,No,CR0087442,3275
2012-05-23,Credit card,,Other,,,,N/A,Web,2012-05-24,Closed with explanation,Yes,No,CR0083124,675
2012-05-23,Credit card,,Payoff process,,,,N/A,Web,2012-05-24,Closed without relief,Yes,No,CR0001416,1460
2012-05-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-05-24,Closed with monetary relief,No,No,CR0086463,2696
2012-05-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-05-30,Closed with monetary relief,Yes,No,CR0083125,2286
2012-05-22,Credit card,,Billing disputes,,,,N/A,Web,2012-05-23,Closed with relief,Yes,No,CR0000795,1592
2012-05-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-05-23,Closed with non-monetary relief,No,Yes,CR0000193,13588
2012-05-22,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2012-05-24,Closed without relief,Yes,No,CR0000681,1177
2012-05-22,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-05-24,Closed with relief,Yes,No,CR0000902,2397
2012-05-21,Credit card,,Other,,,,N/A,Web,2012-05-22,Closed with relief,Yes,No,CR0086557,1014
2012-05-21,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2012-05-22,Closed with relief,Yes,No,CR0086495,1939
2012-05-21,Credit card,,Collection debt dispute,,,,N/A,Web,2012-05-22,Closed with relief,Yes,No,CR0086497,2185
2012-05-21,Credit card,,APR or interest rate,,,,N/A,Web,2012-05-22,Closed with explanation,No,No,CR0086485,2100
2012-05-21,Credit card,,Delinquent account,,,,N/A,Web,2012-05-22,Closed with relief,Yes,No,CR0000140,2330
2012-05-21,Credit card,,Balance transfer,,,Older American,N/A,Web,2012-05-24,Closed with non-monetary relief,Yes,No,CR0086824,964
2012-05-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-05-24,Closed with monetary relief,Yes,No,CR0085924,2533
2012-05-20,Credit card,,Rewards,,,Older American,N/A,Web,2012-05-22,Closed without relief,Yes,No,CR0085725,843
2012-05-19,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-05-22,Closed with relief,Yes,No,CR0084319,1322
2012-05-19,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Web,2012-05-22,Closed with explanation,Yes,No,CR0084306,4102
2012-05-19,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-05-23,Closed with relief,Yes,Yes,CR0084673,3195
2012-05-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-05-24,Closed with relief,Yes,No,CR0084890,7390
2012-05-18,Credit card,,Convenience checks,,,,N/A,Web,2012-05-18,Closed without relief,Yes,Yes,CR0083310,3827
2012-05-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-05-29,Closed with explanation,Yes,No,CR0071956,1657
2012-05-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Web,2012-05-22,Closed with explanation,Yes,No,CR0083832,4482
2012-05-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-05-22,Closed with relief,Yes,Yes,CR0083474,81
2012-05-18,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2012-05-22,Closed with monetary relief,No,No,CR0083494,2684
2012-05-17,Credit card,,Collection debt dispute,,,,N/A,Web,2012-05-18,Closed with relief,Yes,No,CR0082603,1623
2012-05-17,Credit card,,Credit reporting,,,,N/A,Web,2012-05-18,Closed with relief,Yes,No,CR0082263,1907
2012-05-17,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-05-18,Closed without relief,Yes,No,CR0086057,11676
2012-05-17,Credit card,,APR or interest rate,,,,N/A,Web,2012-05-18,Closed without relief,Yes,No,CR0082778,1925
2012-05-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-05-17,Closed with monetary relief,Yes,No,CR0080427,4717
2012-05-16,Credit card,,Other,,,,N/A,Web,2012-06-02,Untimely response,No,,CR0079916,6422
2012-05-16,Credit card,,Billing disputes,,,Older American,N/A,Web,2012-05-17,Closed without relief,Yes,No,CR0080394,858
2012-05-16,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Web,2012-05-17,Closed with relief,Yes,No,CR0079762,2677
2012-05-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-05-18,Closed with relief,Yes,No,CR0080311,3568
2012-05-16,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-05-17,Closed without relief,Yes,No,CR0080263,224
2012-05-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-05-17,Closed with relief,Yes,No,CR0080368,4656
2012-05-15,Credit card,,Cash advance fee,,,,N/A,Web,2012-05-17,Closed without relief,Yes,No,CR0079360,2309
2012-05-15,Credit card,,Credit reporting,,,,N/A,Web,2012-05-16,Closed without relief,Yes,No,CR0079388,3143
2012-05-15,Credit card,,APR or interest rate,,,,N/A,Web,2012-05-16,Closed without relief,Yes,No,CR0078420,147
2012-05-15,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-05-16,Closed with relief,Yes,No,CR0078043,2975
2012-05-15,Credit card,,Collection debt dispute,,,,N/A,Web,2012-05-17,Closed with non-monetary relief,No,,CR0078401,4393
2012-05-15,Credit card,,Other fee,,,Older American,N/A,Web,2012-05-15,Closed without relief,Yes,No,CR0069152,10528
2012-05-15,Credit card,,Billing statement,,,,N/A,Web,2012-05-17,Closed without relief,Yes,No,CR0079305,10090
2012-05-15,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-05-16,Closed without relief,Yes,Yes,CR0078643,11662
2012-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-05-17,Closed without relief,Yes,No,CR0078923,338
2012-05-15,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2012-05-16,Closed with relief,Yes,No,CR0078627,11314
2012-05-14,Credit card,,Billing statement,,,,N/A,Web,2012-05-15,Closed without relief,Yes,No,CR0077033,1903
2012-05-14,Credit card,,Convenience checks,,,,N/A,Web,2012-05-15,Closed without relief,Yes,No,CR0077807,3015
2012-05-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-05-16,Closed without relief,Yes,No,CR0077664,262
2012-05-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-05-14,Closed,Yes,Yes,CR0009416,2261
2012-05-12,Credit card,,Other fee,,,,N/A,Web,2012-05-14,Closed with relief,Yes,No,CR0076761,4333
2012-05-11,Credit card,,Rewards,,,,N/A,Web,2012-05-14,Closed with relief,Yes,Yes,CR0075442,3723
2012-05-10,Credit card,,Credit reporting,,,,N/A,Web,2012-07-09,Closed with non-monetary relief,Yes,No,CR0074921,4315
2012-05-10,Credit card,,Balance transfer,,,,N/A,Web,2012-05-14,Closed without relief,Yes,No,CR0075143,3289
2012-05-10,Credit card,,Other fee,,,,N/A,Web,2012-05-10,Closed with relief,Yes,No,CR0074728,4454
2012-05-10,Credit card,,Advertising and marketing,,,,N/A,Web,2012-05-14,Closed with relief,Yes,No,CR0075471,1765
2012-05-10,Credit card,,Other fee,,,,N/A,Web,2012-05-11,Closed with relief,No,Yes,CR0074982,3793
2012-05-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-05-14,Closed with relief,Yes,No,CR0075450,2657
2012-05-09,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2012-05-10,Closed without relief,Yes,No,CR0074271,2816
2012-05-09,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2012-05-10,Closed with relief,No,Yes,CR0073863,2365
2012-05-09,Credit card,,APR or interest rate,,,,N/A,Web,2012-05-10,Closed with relief,Yes,No,CR0074110,5858
2012-05-09,Credit card,,Credit reporting,,,,N/A,Web,2012-05-10,Closed with relief,Yes,Yes,CR0074312,4764
2012-05-09,Credit card,,Credit reporting,,,Older American,N/A,Web,2012-05-14,Closed with relief,Yes,No,CR0073985,765
2012-05-09,Credit card,,Collection debt dispute,,,,N/A,Web,2012-05-11,Closed with relief,No,No,CR0074453,3187
2012-05-09,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Web,2012-05-10,Closed with relief,Yes,No,CR0073808,3797
2012-05-08,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-05-10,Closed without relief,Yes,Yes,CR0073742,1281
2012-05-08,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-05-09,Closed with relief,Yes,No,CR0073400,290
2012-05-08,Credit card,,Other fee,,,Older American,N/A,Web,2012-05-09,Closed with relief,Yes,Yes,CR0073067,6906
2012-05-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-05-10,Closed with relief,Yes,No,CR0072914,2032
2012-05-08,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Web,2012-05-09,Closed without relief,Yes,No,CR0073387,3500
2012-05-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-05-10,Closed without relief,Yes,No,CR0073283,739
2012-05-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-05-09,Closed without relief,Yes,No,CR0073613,3134
2012-05-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-05-09,Closed with relief,Yes,Yes,CR0072942,3758
2012-05-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-05-10,Closed without relief,No,No,CR0073630,2651
2012-05-07,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-05-08,Closed with relief,Yes,Yes,CR0072444,4303
2012-05-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-05-10,Closed with relief,Yes,No,CR0071994,4477
2012-05-07,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2012-05-10,Closed without relief,Yes,No,CR0072591,632
2012-05-06,Credit card,,Other fee,,,,N/A,Web,2012-05-09,Closed with relief,Yes,Yes,CR0071980,207
2012-05-05,Credit card,,Credit reporting,,,,N/A,Web,2012-05-08,Closed without relief,Yes,No,CR0071888,4779
2012-05-04,Credit card,,APR or interest rate,,,,N/A,Web,2012-05-10,Closed with relief,No,No,CR0071308,4286
2012-05-04,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2012-05-04,Closed without relief,Yes,No,CR0070870,2198
2012-05-03,Credit card,,Other fee,,,,N/A,Web,2012-05-04,Closed with relief,Yes,No,CR0057810,4217
2012-05-03,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2012-05-04,Closed without relief,Yes,Yes,CR0070093,2012
2012-05-03,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-07-11,Closed with non-monetary relief,Yes,No,CR0070256,570
2012-05-03,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2012-05-04,Closed with relief,Yes,No,CR0070248,2563
2012-05-02,Credit card,,APR or interest rate,,,,N/A,Web,2012-05-04,Closed with relief,Yes,No,CR0069748,5462
2012-05-02,Credit card,,Transaction issue,,,,N/A,Web,2012-05-03,Closed with relief,Yes,No,CR0069436,1648
2012-05-02,Credit card,,Other fee,,,,N/A,Web,2012-05-04,Closed with relief,Yes,No,CR0069972,4325
2012-05-02,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-05-02,Closed with relief,No,No,CR0069057,2187
2012-05-02,Credit card,,APR or interest rate,,,,N/A,Web,2012-05-04,Closed with relief,Yes,No,CR0069966,3092
2012-05-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-05-04,Closed with relief,Yes,Yes,CR0069802,4120
2012-05-02,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-05-03,Closed with relief,Yes,No,CR0069363,619
2012-05-01,Credit card,,Billing disputes,,,,N/A,Web,2012-05-02,Closed without relief,No,No,CR0068167,2313
2012-05-01,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-05-03,Closed with relief,Yes,No,CR0068181,4182
2012-05-01,Credit card,,Other fee,,,,N/A,Web,2012-05-02,Closed with relief,Yes,No,CR0068916,2299
2012-05-01,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2012-05-01,Closed without relief,Yes,No,CR0068515,6803
2012-05-01,Credit card,,APR or interest rate,,,,N/A,Web,2012-05-01,Closed without relief,Yes,No,CR0068496,7112
2012-05-01,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-05-02,Closed without relief,Yes,Yes,CR0044605,357
2012-05-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-05-02,Closed with relief,Yes,No,CR0068484,1849
2012-05-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-05-02,Closed without relief,Yes,No,CR0068133,1675
2012-05-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-05-03,Closed with relief,Yes,No,CR0068961,3817
2012-04-30,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-05-01,Closed without relief,Yes,No,CR0067577,4705
2012-04-30,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-05-01,Closed with relief,Yes,No,CR0067709,4260
2012-04-30,Credit card,,Billing disputes,,,,N/A,Web,2012-05-01,Closed without relief,Yes,No,CR0067434,13657
2012-04-30,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-05-01,Closed without relief,Yes,No,CR0062838,972
2012-04-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-05-02,Closed with relief,Yes,Yes,CR0068097,1173
2012-04-30,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-05-01,Closed with relief,No,Yes,CR0067979,3826
2012-04-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-05-01,Closed with relief,Yes,No,CR0068049,3850
2012-04-29,Credit card,,Other fee,,,Older American,N/A,Web,2012-05-01,Closed without relief,Yes,No,CR0067253,328
2012-04-28,Credit card,,Billing disputes,,,,N/A,Web,2012-05-01,Closed without relief,Yes,No,CR0067208,523
2012-04-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-04-30,Closed with relief,Yes,No,CR0067146,3016
2012-04-27,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-04-30,Closed without relief,Yes,No,CR0066429,11083
2012-04-27,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-05-01,Closed with relief,No,No,CR0066962,3792
2012-04-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-04-30,Closed with relief,Yes,No,CR0066398,5827
2012-04-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-04-30,Closed with relief,Yes,No,CR0066832,633
2012-04-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-04-30,Closed with relief,Yes,No,CR0066389,4928
2012-04-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-04-30,Closed with relief,No,Yes,CR0066434,6753
2012-04-26,Credit card,,Billing disputes,,,Older American,N/A,Web,2012-04-30,Closed with relief,Yes,No,CR0065637,2959
2012-04-26,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2012-04-27,Closed with relief,Yes,No,CR0065958,9670
2012-04-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-04-26,Closed with relief,Yes,No,CR0065010,2246
2012-04-25,Credit card,,Other fee,,,,N/A,Web,2012-04-26,Closed without relief,Yes,No,CR0065445,1561
2012-04-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-04-26,Closed without relief,Yes,No,CR0064746,1116
2012-04-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-04-27,Closed with relief,Yes,No,CR0065260,904
2012-04-24,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-04-25,Closed without relief,Yes,No,CR0064663,288
2012-04-24,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-04-26,Closed without relief,Yes,No,CR0064592,570
2012-04-24,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-04-25,Closed without relief,Yes,No,CR0063859,970
2012-04-24,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2012-04-25,Closed without relief,Yes,No,CR0064190,4666
2012-04-23,Credit card,,Billing disputes,,,,N/A,Web,2012-04-30,Closed with relief,Yes,No,CR0063596,3370
2012-04-23,Credit card,,Credit reporting,,,Servicemember,N/A,Web,2012-04-25,Closed with explanation,Yes,No,CR0063556,123
2012-04-23,Credit card,,Credit reporting,,,,N/A,Web,2012-04-25,Closed with relief,Yes,No,CR0063635,272
2012-04-23,Credit card,,Collection debt dispute,,,,N/A,Web,2012-04-23,Closed without relief,No,No,CR0063221,2903
2012-04-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-04-24,Closed with relief,Yes,No,CR0063449,3506
2012-04-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-04-24,Closed with explanation,Yes,Yes,CR0063003,30
2012-04-23,Bank account or service,Savings account,Using a debit or ATM card,,,,N/A,Web,2012-04-30,Closed with relief,Yes,No,CR0063058,3127
2012-04-22,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Web,2012-04-30,Closed with relief,Yes,No,CR0062887,2307
2012-04-21,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-04-23,Closed with explanation,No,Yes,CR0062818,4480
2012-04-21,Credit card,,Credit determination,,,,N/A,Web,2012-04-24,Closed without relief,No,No,CR0062759,633
2012-04-21,Credit card,,Collection debt dispute,,,,N/A,Web,2012-04-23,Closed without relief,Yes,Yes,CR0062777,1504
2012-04-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-04-23,Closed without relief,Yes,No,CR0026872,714
2012-04-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-04-24,Closed,Yes,Yes,CR0062780,3316
2012-04-20,Credit card,,Billing disputes,,,,N/A,Web,2012-04-20,Closed without relief,Yes,No,CR0061600,10096
2012-04-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-08-22,Closed with explanation,Yes,No,CR0062027,3141
2012-04-20,Credit card,,Collection practices,,,,N/A,Web,2012-04-24,Closed without relief,Yes,Yes,CR0062005,2164
2012-04-20,Credit card,,Credit reporting,,,,N/A,Web,2012-04-24,Closed with relief,Yes,Yes,CR0061894,4710
2012-04-20,Credit card,,Other fee,,,,N/A,Web,2012-04-23,Closed without relief,Yes,No,CR0062743,4417
2012-04-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-04-24,Closed with relief,Yes,No,CR0062633,3488
2012-04-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-04-23,Closed without relief,Yes,Yes,CR0061613,1401
2012-04-20,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-04-25,Closed with relief,Yes,No,CR0061657,2460
2012-04-19,Credit card,,Collection debt dispute,,,,N/A,Web,2012-04-19,Closed without relief,Yes,No,CR0060740,4853
2012-04-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-04-20,Closed without relief,Yes,Yes,CR0061348,2366
2012-04-19,Credit card,,Other fee,,,,N/A,Web,2012-04-24,Closed without relief,No,No,CR0061369,1947
2012-04-19,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-04-20,Closed with relief,Yes,Yes,CR0061053,4428
2012-04-19,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Web,2012-04-20,Closed with relief,Yes,No,CR0060684,4576
2012-04-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-04-19,Closed with relief,Yes,No,CR0060746,1012
2012-04-18,Credit card,,Billing disputes,,,,N/A,Web,2012-04-18,Closed without relief,Yes,Yes,CR0060119,2935
2012-04-18,Credit card,,Delinquent account,,,Older American,N/A,Web,2012-04-19,Closed with relief,No,No,CR0060564,3457
2012-04-18,Credit card,,Rewards,,,,N/A,Web,2012-04-19,Closed with relief,Yes,No,CR0060632,13820
2012-04-18,Credit card,,Rewards,,,,N/A,Web,2012-04-19,Closed with relief,Yes,No,CR0059943,140
2012-04-18,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-04-19,Closed without relief,No,No,CR0059892,4425
2012-04-18,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2012-04-18,Closed without relief,Yes,No,CR0060112,1248
2012-04-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-04-19,Closed without relief,Yes,No,CR0060669,5353
2012-04-17,Credit card,,Late fee,,,Servicemember,N/A,Web,2012-04-19,Closed with relief,No,No,CR0059798,3487
2012-04-17,Credit card,,Billing disputes,,,,N/A,Web,2012-04-18,Closed without relief,Yes,Yes,CR0059151,1829
2012-04-17,Credit card,,Late fee,,,,N/A,Web,2012-04-18,Closed without relief,Yes,No,CR0059562,4808
2012-04-17,Credit card,,Collection practices,,,,N/A,Web,2012-04-19,Closed without relief,No,No,CR0075754,1600
2012-04-17,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Web,2012-04-19,Closed without relief,Yes,No,CR0059629,4612
2012-04-17,Credit card,,Collection practices,,,Older American,N/A,Web,2012-04-18,Closed without relief,Yes,No,CR0059842,2969
2012-04-17,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-04-19,Closed without relief,Yes,No,CR0059742,1292
2012-04-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-04-19,Closed with relief,Yes,No,CR0059860,1728
2012-04-16,Credit card,,Other,,,,N/A,Web,2012-04-18,Closed with relief,Yes,No,CR0058466,3331
2012-04-16,Credit card,,Collection debt dispute,,,,N/A,Web,2012-04-17,Closed with relief,No,No,CR0058818,709
2012-04-16,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-04-18,Closed with relief,Yes,No,CR0058513,2341
2012-04-16,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-04-18,Closed with relief,Yes,No,CR0058703,2659
2012-04-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-04-18,Closed without relief,No,Yes,CR0058356,685
2012-04-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-04-20,Closed with relief,Yes,Yes,CR0058869,4399
2012-04-16,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Web,2012-04-17,Closed without relief,Yes,Yes,CR0058940,736
2012-04-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-04-18,Closed with relief,Yes,No,CR0058249,11516
2012-04-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-04-16,Closed with relief,No,No,CR0024928,841
2012-04-13,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-04-17,Closed with relief,Yes,No,CR0057904,3851
2012-04-13,Credit card,,Collection debt dispute,,,,N/A,Web,2012-04-23,Closed with relief,Yes,No,CR0057422,79
2012-04-13,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-04-16,Closed without relief,No,No,CR0057652,1583
2012-04-13,Credit card,,Billing disputes,,,,N/A,Web,2012-04-16,Closed without relief,Yes,Yes,CR0057760,4289
2012-04-13,Credit card,,Credit reporting,,,,N/A,Web,2012-04-16,Closed without relief,Yes,Yes,CR0057958,1503
2012-04-12,Credit card,,Billing disputes,,,,N/A,Web,2012-04-12,Closed with relief,Yes,No,CR0056344,3423
2012-04-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-04-16,Closed with relief,Yes,Yes,CR0034526,4152
2012-04-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-04-16,Closed with relief,Yes,No,CR0057258,1292
2012-04-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-04-13,Closed without relief,Yes,No,CR0056535,888
2012-04-11,Credit card,,Convenience checks,,,,N/A,Web,2012-04-11,Closed with relief,Yes,Yes,CR0054913,2712
2012-04-11,Credit card,,Rewards,,,Older American,N/A,Web,2012-04-13,Closed with relief,Yes,No,CR0056045,2985
2012-04-11,Credit card,,Payoff process,,,,N/A,Web,2012-04-13,Closed with relief,Yes,No,CR0055949,346
2012-04-11,Credit card,,Other,,,Older American,N/A,Web,2012-04-12,Closed without relief,No,No,CR0055270,13751
2012-04-11,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-04-12,Closed with relief,Yes,No,CR0024823,3679
2012-04-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-04-11,Closed with relief,Yes,No,CR0054750,3381
2012-04-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-04-11,Closed without relief,Yes,Yes,CR0025320,3894
2012-04-10,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-04-10,Closed with relief,Yes,No,CR0045843,4611
2012-04-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-04-11,Closed with relief,Yes,No,CR0054527,462
2012-04-10,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2012-10-25,Closed with explanation,Yes,No,CR0054558,4757
2012-04-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-04-11,Closed with relief,Yes,No,CR0053875,8392
2012-04-09,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-04-11,Closed without relief,Yes,Yes,CR0045485,1514
2012-04-09,Credit card,,Convenience checks,,,,N/A,Web,2012-04-10,Closed without relief,Yes,Yes,CR0045132,2147
2012-04-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-04-11,Closed with relief,Yes,No,CR0044952,4328
2012-04-09,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2012-04-11,Closed without relief,Yes,No,CR0044922,4023
2012-04-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-04-11,Closed with relief,Yes,No,CR0044904,5201
2012-04-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-04-10,Closed with relief,Yes,No,CR0044889,4134
2012-04-07,Credit card,,Delinquent account,,,,N/A,Web,2012-04-10,Closed without relief,Yes,Yes,CR0044862,4115
2012-04-07,Credit card,,Other,,,,N/A,Web,2012-04-10,Closed without relief,Yes,No,CR0044867,657
2012-04-07,Credit card,,Rewards,,,,N/A,Web,2012-04-10,Closed without relief,Yes,Yes,CR0044877,3037
2012-04-07,Credit card,,Other,,,,N/A,Web,2012-04-09,Closed without relief,Yes,No,CR0044884,4325
2012-04-06,Credit card,,Billing disputes,,,,N/A,Web,2012-04-10,Closed with relief,Yes,No,CR0044638,11710
2012-04-06,Credit card,,Billing disputes,,,Servicemember,N/A,Web,2012-04-10,Closed with relief,Yes,No,CR0044811,407
2012-04-06,Credit card,,Credit reporting,,,,N/A,Web,2012-04-10,Closed with relief,Yes,No,CR0044708,4683
2012-04-06,Credit card,,Credit reporting,,,,N/A,Web,2012-04-09,Closed without relief,Yes,Yes,CR0063523,180
2012-04-05,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-04-06,Closed without relief,Yes,No,CR0044443,622
2012-04-05,Credit card,,Credit determination,,,,N/A,Web,2012-09-27,Closed with explanation,Yes,No,CR0044325,19
2012-04-05,Credit card,,Other fee,,,,N/A,Web,2012-04-05,Closed with relief,Yes,No,CR0044339,4563
2012-04-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-04-06,Closed with relief,No,No,CR0044564,2879
2012-04-04,Credit card,,Collection practices,,,,N/A,Web,2012-04-05,Closed with relief,Yes,No,CR0043879,3824
2012-04-04,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Web,2012-04-05,Closed with relief,Yes,No,CR0044004,1888
2012-04-03,Credit card,,Cash advance fee,,,,N/A,Web,2012-04-04,Closed with relief,Yes,No,CR0043803,4314
2012-04-03,Credit card,,Other,,,,N/A,Web,2012-04-04,Closed without relief,Yes,Yes,CR0043632,293
2012-04-03,Credit card,,Credit reporting,,,,N/A,Web,2012-04-04,Closed without relief,Yes,Yes,CR0043733,547
2012-04-03,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Web,2012-04-03,Closed with relief,Yes,No,CR0043599,271
2012-04-02,Credit card,,Rewards,,,,N/A,Web,2012-04-03,Closed with relief,Yes,No,CR0043225,4360
2012-04-02,Credit card,,Balance transfer,,,,N/A,Web,2012-04-03,Closed with relief,Yes,Yes,CR0043244,4231
2012-04-02,Credit card,,Billing statement,,,,N/A,Web,2012-04-03,Closed without relief,Yes,No,CR0043333,4249
2012-04-02,Credit card,,Credit reporting,,,Older American,N/A,Web,2012-04-04,Closed with relief,Yes,No,CR0043272,341
2012-04-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-04-03,Closed with relief,Yes,No,CR0043408,692
2012-04-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-04-03,Closed with relief,Yes,No,CR0043232,1696
2012-04-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-04-03,Closed without relief,Yes,No,CR0043202,2836
2012-04-01,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2012-04-03,Closed with relief,Yes,No,CR0026870,3955
2012-04-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-04-04,Closed without relief,Yes,No,CR0043199,3704
2012-03-31,Credit card,,Credit reporting,,,,N/A,Web,2012-04-03,Closed without relief,Yes,No,CR0043134,4915
2012-03-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-04-03,Closed without relief,Yes,No,CR0043123,6552
2012-03-30,Credit card,,Rewards,,,,N/A,Web,2012-04-03,Closed with relief,Yes,No,CR0042971,9776
2012-03-30,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-04-04,Closed without relief,Yes,No,CR0043093,1834
2012-03-30,Credit card,,Billing statement,,,Older American,N/A,Web,2012-04-04,Closed without relief,Yes,Yes,CR0043010,266
2012-03-30,Credit card,,Collection practices,,,,N/A,Web,2012-04-02,Closed with relief,Yes,Yes,CR0042925,749
2012-03-29,Credit card,,Rewards,,,,N/A,Web,2012-03-30,Closed with relief,Yes,No,CR0042527,766
2012-03-29,Credit card,,Billing disputes,,,,N/A,Web,2012-03-30,Closed with relief,Yes,No,CR0042611,921
2012-03-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-04-03,Closed without relief,Yes,No,CR0042641,258
2012-03-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-04-03,Closed with relief,Yes,No,CR0042547,6033
2012-03-28,Credit card,,Billing disputes,,,,N/A,Web,2012-03-30,Closed with relief,Yes,Yes,CR0042218,4300
2012-03-28,Credit card,,APR or interest rate,,,,N/A,Web,2012-03-28,Closed with relief,Yes,No,CR0041817,4409
2012-03-28,Credit card,,Other,,,,N/A,Web,2012-03-28,Closed with relief,Yes,No,CR0041821,234
2012-03-28,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2012-03-28,Closed without relief,Yes,No,CR0041818,1114
2012-03-27,Credit card,,Transaction issue,,,,N/A,Web,2012-03-28,Closed with relief,Yes,No,CR0041760,3330
2012-03-27,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-03-28,Closed with relief,Yes,No,CR0041434,13071
2012-03-27,Credit card,,Collection debt dispute,,,,N/A,Web,2012-03-28,Closed without relief,Yes,No,CR0041741,7112
2012-03-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-03-28,Closed with relief,Yes,No,CR0041774,3823
2012-03-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-03-29,Closed with relief,Yes,No,CR0041522,11147
2012-03-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-03-28,Closed without relief,Yes,No,CR0041793,5911
2012-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-28,Closed without relief,Yes,No,CR0041770,1680
2012-03-27,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Web,2012-03-28,Closed with relief,Yes,No,CR0036718,2249
2012-03-26,Credit card,,Credit reporting,,,Older American,N/A,Web,2012-03-27,Closed with relief,Yes,No,CR0037338,4235
2012-03-26,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-03-27,Closed with relief,Yes,No,CR0041158,1
2012-03-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-03-27,Closed with relief,Yes,No,CR0041199,2798
2012-03-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-03-27,Closed with relief,Yes,Yes,CR0041154,4253
2012-03-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-26,Closed with relief,Yes,No,CR0040780,4172
2012-03-25,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-03-28,Closed with relief,Yes,No,CR0040624,6255
2012-03-25,Credit card,,Billing disputes,,,,N/A,Web,2012-03-26,Closed without relief,Yes,Yes,CR0040615,9775
2012-03-24,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2012-03-26,Closed without relief,Yes,No,CR0040564,329
2012-03-24,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2012-03-26,Closed with relief,Yes,No,CR0040593,4450
2012-03-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-27,Closed with relief,Yes,No,CR0040557,2000
2012-03-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-26,Closed without relief,Yes,No,CR0040539,2739
2012-03-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-03-27,Closed without relief,Yes,No,CR0040591,2051
2012-03-23,Credit card,,Other,,,,N/A,Web,2012-03-26,Closed without relief,Yes,No,CR0040478,936
2012-03-23,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-05-27,Closed with monetary relief,No,No,CR0040415,2357
2012-03-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-26,Closed without relief,Yes,No,CR0040160,2058
2012-03-22,Credit card,,Other fee,,,Older American,N/A,Web,2012-03-23,Closed with relief,Yes,No,CR0040070,980
2012-03-22,Credit card,,Billing disputes,,,,N/A,Web,2012-03-23,Closed without relief,Yes,No,CR0039944,2156
2012-03-22,Credit card,,Rewards,,,,N/A,Web,2012-03-23,Closed with relief,Yes,No,CR0040046,11857
2012-03-22,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-03-23,Closed with relief,Yes,No,CR0039856,418
2012-03-22,Credit card,,Billing disputes,,,,N/A,Web,2012-03-22,Closed with relief,Yes,No,CR0038113,1347
2012-03-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-03-23,Closed with relief,Yes,No,CR0039892,3266
2012-03-21,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-03-28,Closed with relief,No,No,CR0037673,3970
2012-03-21,Credit card,,APR or interest rate,,,,N/A,Web,2012-03-22,Closed with relief,Yes,No,CR0038048,4099
2012-03-21,Credit card,,Billing disputes,,,,N/A,Web,2012-03-24,Closed with relief,Yes,Yes,CR0037684,987
2012-03-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-03-22,Closed with relief,Yes,No,CR0037895,2451
2012-03-20,Credit card,,Bankruptcy,,,,N/A,Web,2012-03-21,Closed with relief,Yes,No,CR0027158,4765
2012-03-20,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2012-03-21,Closed without relief,Yes,Yes,CR0035889,9930
2012-03-20,Credit card,,Other fee,,,,N/A,Web,2012-03-20,Closed without relief,Yes,No,CR0037037,4471
2012-03-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-03-21,Closed with relief,No,No,CR0037368,344
2012-03-19,Credit card,,Delinquent account,,,,N/A,Web,2012-03-19,Closed without relief,Yes,Yes,CR0036649,624
2012-03-19,Credit card,,Other,,,,N/A,Web,2012-03-20,Closed with relief,Yes,Yes,CR0036671,3280
2012-03-19,Credit card,,Credit reporting,,,,N/A,Web,2012-03-20,Closed without relief,Yes,No,CR0036867,12417
2012-03-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-20,Closed with relief,Yes,No,CR0037026,7390
2012-03-19,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2012-03-20,Closed without relief,Yes,No,CR0036799,162
2012-03-18,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-03-19,Closed without relief,Yes,No,CR0036519,2129
2012-03-18,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-03-19,Closed without relief,Yes,No,CR0019105,3917
2012-03-18,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-03-19,Closed with relief,Yes,Yes,CR0036538,3851
2012-03-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-19,Closed without relief,Yes,No,CR0036493,12908
2012-03-16,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-03-19,Closed with relief,Yes,Yes,CR0036448,2322
2012-03-15,Credit card,,Credit reporting,,,,N/A,Web,2012-03-15,Closed without relief,Yes,Yes,CR0035524,3602
2012-03-15,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2012-03-16,Closed without relief,Yes,No,CR0083020,3648
2012-03-15,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2012-03-16,Closed with relief,Yes,Yes,CR0009723,4350
2012-03-15,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2012-03-16,Closed without relief,Yes,No,CR0035917,4267
2012-03-15,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,,N/A,Web,2012-03-16,Closed without relief,Yes,No,CR0035920,1971
2012-03-14,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-03-15,Closed with relief,Yes,No,CR0034765,4239
2012-03-14,Credit card,,Collection practices,,,,N/A,Web,2012-03-14,Closed without relief,Yes,No,CR0034782,2940
2012-03-14,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-03-14,Closed without relief,Yes,Yes,CR0034814,3365
2012-03-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-03-15,Closed with relief,Yes,No,CR0035417,4088
2012-03-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-03-15,Closed without relief,Yes,No,CR0035387,4519
2012-03-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-03-15,Closed with relief,Yes,No,CR0035052,1977
2012-03-13,Credit card,,Privacy,,,,N/A,Web,2012-03-14,Closed with relief,Yes,No,CR0034728,2612
2012-03-13,Credit card,,Other,,,,N/A,Web,2012-03-14,Closed without relief,Yes,No,CR0034290,2235
2012-03-13,Credit card,,Collection practices,,,,N/A,Web,2012-03-14,Closed without relief,Yes,Yes,CR0034421,10543
2012-03-13,Credit card,,Application processing delay,,,,N/A,Web,2012-03-13,Closed without relief,Yes,No,CR0034241,1259
2012-03-13,Credit card,,Unsolicited issuance of credit card,,,Older American,N/A,Web,2012-10-25,Closed with explanation,Yes,No,CR0034258,2043
2012-03-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-03-14,Closed with relief,Yes,Yes,CR0034648,1843
2012-03-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-03-14,Closed with relief,Yes,No,CR0034353,2893
2012-03-13,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Web,2012-03-14,Closed without relief,Yes,Yes,CR0034272,2858
2012-03-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-03-14,Closed with relief,Yes,No,CR0034536,286
2012-03-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-03-14,Closed without relief,Yes,Yes,CR0034542,939
2012-03-12,Credit card,,Other,,,,N/A,Web,2012-03-13,Closed with relief,Yes,No,CR0034148,1103
2012-03-12,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-03-13,Closed without relief,Yes,No,CR0033921,528
2012-03-12,Credit card,,Credit reporting,,,Older American,N/A,Web,2012-03-13,Closed with relief,Yes,Yes,CR0034105,3570
2012-03-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-03-13,Closed with relief,Yes,No,CR0033923,1579
2012-03-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Web,2012-03-13,Closed without relief,Yes,Yes,CR0034004,2934
2012-03-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-03-12,Closed without relief,Yes,No,CR0021418,5366
2012-03-12,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-03-13,Untimely response,No,,CR0033884,4772
2012-03-11,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-03-12,Closed without relief,Yes,No,CR0033530,2348
2012-03-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-12,Closed with relief,Yes,No,CR0033546,3290
2012-03-10,Credit card,,Rewards,,,Older American,N/A,Web,2012-03-12,Closed without relief,Yes,No,CR0033362,5067
2012-03-10,Credit card,,Privacy,,,,N/A,Web,2012-03-12,Closed with relief,Yes,No,CR0033402,2536
2012-03-09,Credit card,,Billing disputes,,,,N/A,Web,2012-03-09,Closed without relief,Yes,No,CR0032788,2020
2012-03-09,Credit card,,Sale of account,,,,N/A,Web,2012-10-25,Closed with explanation,Yes,No,CR0032818,1140
2012-03-09,Credit card,,Other fee,,,,N/A,Web,2012-03-12,Closed with relief,Yes,No,CR0032933,2808
2012-03-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-09,Closed with relief,No,No,CR0032755,2593
2012-03-08,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-03-08,Closed without relief,Yes,No,CR0032120,4258
2012-03-08,Credit card,,APR or interest rate,,,Older American,N/A,Web,2012-03-09,Closed without relief,Yes,No,CR0032284,384
2012-03-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-03-09,Closed without relief,Yes,No,CR0032286,3398
2012-03-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,"Older American, Servicemember",N/A,Web,2012-03-08,Closed with relief,Yes,No,CR0032118,1041
2012-03-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-09,Closed with relief,Yes,No,CR0032624,2045
2012-03-07,Credit card,,Credit reporting,,,,N/A,Web,2012-03-07,Closed with relief,Yes,No,CR0031528,681
2012-03-07,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-03-08,Closed without relief,Yes,No,CR0032049,1952
2012-03-07,Credit card,,Credit reporting,,,,N/A,Web,2012-03-07,Closed with relief,Yes,No,CR0031508,864
2012-03-07,Credit card,,APR or interest rate,,,Servicemember,N/A,Web,2012-03-07,Closed with relief,Yes,No,CR0031536,4729
2012-03-07,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-03-07,Closed without relief,Yes,No,CR0031573,2143
2012-03-07,Credit card,,Other,,,,N/A,Web,2012-03-08,Closed with relief,Yes,No,CR0031855,2105
2012-03-07,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-03-07,Closed without relief,Yes,Yes,CR0031640,11638
2012-03-07,Credit card,,Billing disputes,,,,N/A,Web,2012-03-08,Closed with relief,Yes,Yes,CR0032037,10276
2012-03-07,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-03-07,Closed with relief,No,No,CR0031612,1099
2012-03-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-08,Closed with relief,Yes,No,CR0031877,2994
2012-03-06,Credit card,,Collection debt dispute,,,,N/A,Web,2012-03-06,Closed with relief,Yes,Yes,CR0030661,542
2012-03-06,Credit card,,Other,,,Older American,N/A,Web,2012-03-07,Closed without relief,Yes,No,CR0031211,2663
2012-03-06,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Web,2012-03-06,Closed with relief,Yes,No,CR0030582,522
2012-03-05,Credit card,,Billing disputes,,,,N/A,Web,2012-03-06,Closed without relief,Yes,Yes,CR0030260,2231
2012-03-05,Credit card,,Credit line increase/decrease,,,Older American,N/A,Web,2012-03-06,Closed with relief,Yes,No,CR0029907,4293
2012-03-05,Credit card,,APR or interest rate,,,Older American,N/A,Web,2012-03-06,Closed with relief,Yes,No,CR0011298,1165
2012-03-05,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2012-03-09,Closed without relief,Yes,Yes,CR0030450,10077
2012-03-05,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Web,2012-03-06,Closed with relief,Yes,No,CR0029881,532
2012-03-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-03-05,Closed with relief,Yes,No,CR0029887,4861
2012-03-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-03-05,Untimely response,No,,CR0029947,263
2012-03-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-03-05,Closed without relief,Yes,No,CR0029948,1745
2012-03-05,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Web,2012-03-05,Closed without relief,Yes,No,CR0029974,2891
2012-03-05,Bank account or service,Checking account,Using a debit or ATM card,,,Servicemember,N/A,Web,2012-03-05,Closed without relief,Yes,No,CR0029972,4249
2012-03-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-03-05,Closed with relief,Yes,No,CR0029992,4084
2012-03-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-06,Closed without relief,Yes,No,CR0030089,4719
2012-03-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-03-06,Closed with relief,Yes,No,CR0030181,637
2012-03-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-03-09,Closed with relief,Yes,No,CR0030477,2965
2012-03-05,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Web,2012-03-06,Closed with relief,No,No,CR0030427,1461
2012-03-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-03-06,Closed with relief,Yes,No,CR0030042,13261
2012-03-05,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-03-06,Closed with relief,Yes,No,CR0030064,598
2012-03-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-06,Closed with relief,Yes,No,CR0030093,3514
2012-03-05,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2012-03-06,Closed with relief,Yes,No,CR0030574,9418
2012-03-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-03-05,Closed with relief,Yes,No,CR0029903,555
2012-03-05,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Web,2012-03-06,Closed without relief,Yes,No,CR0029934,3213
2012-03-05,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Web,2012-03-06,Closed with relief,Yes,No,CR0030273,2165
2012-03-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-03-05,Closed with relief,Yes,No,CR0029949,9569
2012-03-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-03-06,Closed with relief,Yes,No,CR0030117,3667
2012-03-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-03-06,Closed with relief,Yes,No,CR0030172,2196
2012-03-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-06,Closed without relief,Yes,No,CR0030384,3330
2012-03-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-03-06,Closed with relief,Yes,No,CR0030133,3936
2012-03-04,Credit card,,Credit reporting,,,Older American,N/A,Web,2012-03-05,Closed without relief,Yes,Yes,CR0029871,3031
2012-03-04,Credit card,,Late fee,,,,N/A,Web,2012-03-05,Closed with relief,Yes,No,CR0029798,2889
2012-03-04,Credit card,,Billing disputes,,,,N/A,Web,2012-03-15,Closed with relief,Yes,No,CR0029812,887
2012-03-04,Credit card,,Collection debt dispute,,,Older American,N/A,Web,2012-03-05,Closed without relief,Yes,No,CR0029809,585
2012-03-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-03-05,Closed without relief,Yes,No,CR0029808,7186
2012-03-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-05,Closed with relief,Yes,No,CR0029839,7043
2012-03-04,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Web,2012-03-05,Closed without relief,Yes,Yes,CR0027941,3198
2012-03-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-03-05,Closed with relief,Yes,No,CR0029805,2088
2012-03-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-05,Closed with relief,Yes,No,CR0029796,1838
2012-03-03,Credit card,,Billing disputes,,,,N/A,Web,2012-03-06,Closed with relief,Yes,Yes,CR0029763,4212
2012-03-03,Credit card,,Billing statement,,,,N/A,Web,2012-03-05,Closed with relief,Yes,No,CR0029767,1476
2012-03-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-05,Closed with relief,Yes,No,CR0029748,2369
2012-03-02,Credit card,,Credit reporting,,,,N/A,Web,2012-03-06,Closed with relief,Yes,No,CR0029654,4632
2012-03-02,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-03-02,Closed with relief,Yes,No,CR0029289,5911
2012-03-02,Credit card,,Transaction issue,,,Older American,N/A,Web,2012-03-06,Closed with relief,Yes,No,CR0029659,350
2012-03-02,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-03-02,Closed without relief,Yes,No,CR0029277,4687
2012-03-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-02,Closed with relief,Yes,No,CR0029253,333
2012-03-02,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Web,2012-03-02,Closed without relief,Yes,No,CR0029315,1412
2012-03-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-03-02,Closed with relief,Yes,Yes,CR0029522,1109
2012-03-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-02,Closed with relief,Yes,No,CR0029223,64
2012-03-01,Credit card,,Credit reporting,,,,N/A,Web,2012-03-01,Closed without relief,Yes,Yes,CR0015517,3605
2012-03-01,Credit card,,Credit reporting,,,,N/A,Web,2012-03-01,Closed with relief,Yes,Yes,CR0028887,1666
2012-03-01,Credit card,,APR or interest rate,,,Older American,N/A,Web,2012-03-01,Closed with relief,Yes,No,CR0029020,4141
2012-03-01,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2012-03-02,Closed with relief,Yes,No,CR0029142,2843
2012-03-01,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2012-03-02,Closed with relief,Yes,No,CR0029149,1316
2012-03-01,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Web,2012-03-01,Closed without relief,Yes,No,CR0028901,2623
2012-03-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-03-02,Closed without relief,Yes,Yes,CR0025488,394
2012-03-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-03-01,Closed without relief,Yes,No,CR0022542,786
2012-03-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-03-01,Closed with relief,Yes,No,CR0028855,5201
2012-03-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-03-01,Closed with relief,Yes,No,CR0028888,3849
2012-03-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Web,2012-03-02,Closed without relief,Yes,No,CR0029107,2893
2012-03-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-01,Closed without relief,Yes,Yes,CR0075530,2213
2012-03-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Web,2012-03-02,Closed without relief,Yes,Yes,CR0007168,12145
2012-03-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-03-01,Closed without relief,Yes,No,CR0028961,3368
2012-03-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Web,2012-03-01,Closed with relief,Yes,No,CR0029094,1587
2012-03-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Web,2012-03-02,Closed without relief,Yes,No,CR0029186,1969
2012-03-01,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Web,2012-03-01,Closed with relief,Yes,No,CR0028940,4736
2012-03-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Web,2012-03-02,Closed with relief,Yes,No,CR0029181,5133
2012-02-29,Credit card,,Collection debt dispute,,,Older American,N/A,Web,2012-02-29,Closed without relief,Yes,No,CR0028136,3269
2012-02-29,Credit card,,Collection practices,,,,N/A,Web,2012-02-29,Closed without relief,Yes,No,CR0028447,547
2012-02-29,Credit card,,Billing statement,,,,N/A,Web,2012-02-29,Closed with relief,Yes,No,CR0028417,3652
2012-02-28,Credit card,,Late fee,,,,N/A,Web,2012-02-29,Closed with relief,Yes,No,CR0027833,504
2012-02-28,Credit card,,Credit reporting,,,,N/A,Web,2012-02-28,Closed without relief,No,No,CR0027386,1669
2012-02-28,Credit card,,Billing statement,,,Older American,N/A,Web,2012-02-29,Closed with relief,Yes,No,CR0027858,3655
2012-02-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-02-29,Closed with relief,Yes,No,CR0027872,3423
2012-02-28,Credit card,,Other,,,,N/A,Web,2012-02-28,Closed with relief,Yes,No,CR0027448,3727
2012-02-28,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-02-29,Closed with relief,Yes,No,CR0027890,3510
2012-02-28,Credit card,,Payoff process,,,,N/A,Web,2012-02-29,Closed with relief,Yes,No,CR0027881,3197
2012-02-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-02-28,Closed without relief,Yes,No,CR0027433,4319
2012-02-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-02-27,Closed with relief,Yes,Yes,CR0026940,1768
2012-02-27,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-02-28,Closed with relief,Yes,No,CR0027100,530
2012-02-26,Credit card,,Rewards,,,,N/A,Web,2012-02-28,Closed with relief,Yes,No,CR0026904,4574
2012-02-26,Credit card,,Transaction issue,,,,N/A,Web,2012-02-28,Closed with relief,Yes,No,CR0026911,4330
2012-02-24,Credit card,,Collection debt dispute,,,,N/A,Web,2012-02-24,Closed with relief,Yes,No,CR0026401,305
2012-02-24,Credit card,,Cash advance fee,,,,N/A,Web,2012-02-24,Closed with relief,Yes,No,CR0026536,3835
2012-02-24,Credit card,,Balance transfer,,,Older American,N/A,Web,2012-02-24,Closed without relief,Yes,No,CR0026469,714
2012-02-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-02-24,Closed with relief,Yes,No,CR0026642,4296
2012-02-24,Credit card,,Other fee,,,,N/A,Web,2012-02-27,Closed with relief,Yes,No,CR0026758,2534
2012-02-23,Credit card,,Late fee,,,,N/A,Web,2012-02-24,Closed without relief,Yes,No,CR0026351,2885
2012-02-23,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-02-24,Closed without relief,No,No,CR0026375,1216
2012-02-23,Credit card,,Credit reporting,,,,N/A,Web,2012-02-27,Closed with relief,Yes,No,CR0026354,9427
2012-02-23,Credit card,,APR or interest rate,,,,N/A,Web,2012-02-23,Closed without relief,Yes,No,CR0025912,2858
2012-02-23,Credit card,,APR or interest rate,,,,N/A,Web,2012-02-24,Closed with relief,Yes,No,CR0011979,7814
2012-02-23,Credit card,,Other fee,,,,N/A,Web,2012-02-23,Closed with relief,Yes,No,CR0026330,6546
2012-02-23,Credit card,,Collection debt dispute,,,,N/A,Web,2012-02-24,Closed without relief,No,Yes,CR0026342,3796
2012-02-22,Credit card,,Collection practices,,,,N/A,Web,2012-03-14,Closed without relief,Yes,No,CR0025387,9845
2012-02-22,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-02-23,Closed without relief,Yes,No,CR0025850,4400
2012-02-22,Credit card,,Application processing delay,,,Older American,N/A,Web,2012-02-22,Closed with relief,Yes,Yes,CR0025433,385
2012-02-22,Credit card,,APR or interest rate,,,,N/A,Web,2012-02-22,Closed with relief,Yes,No,CR0025402,2599
2012-02-22,Credit card,,Credit reporting,,,,N/A,Web,2012-02-23,Closed without relief,Yes,No,CR0025817,4217
2012-02-21,Credit card,,Billing disputes,,,,N/A,Web,2012-02-24,Closed without relief,Yes,No,CR0025223,145
2012-02-21,Credit card,,Overlimit fee,,,,N/A,Web,2012-02-21,Closed without relief,Yes,No,CR0025031,13451
2012-02-21,Credit card,,Other fee,,,,N/A,Web,2012-02-22,Closed with relief,Yes,No,CR0025342,4439
2012-02-21,Credit card,,APR or interest rate,,,,N/A,Web,2012-02-23,Closed with relief,Yes,No,CR0071581,3244
2012-02-20,Credit card,,Rewards,,,,N/A,Web,2012-02-21,Closed with relief,Yes,No,CR0024961,4974
2012-02-20,Credit card,,Late fee,,,,N/A,Web,2012-02-22,Closed with relief,Yes,No,CR0071580,1797
2012-02-20,Credit card,,Other,,,Older American,N/A,Web,2012-02-22,Closed with relief,Yes,No,CR0024943,2430
2012-02-20,Credit card,,Credit determination,,,,N/A,Web,2012-02-21,Closed with relief,Yes,No,CR0024960,1359
2012-02-19,Credit card,,Payoff process,,,,N/A,Web,2012-02-22,Closed with relief,Yes,No,CR0024887,1464
2012-02-18,Credit card,,Credit reporting,,,,N/A,Web,2012-02-27,Closed without relief,Yes,No,CR0071742,782
2012-02-17,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-02-21,Closed with relief,Yes,No,CR0024801,1091
2012-02-17,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-02-21,Closed without relief,Yes,No,CR0024799,2968
2012-02-17,Credit card,,Billing disputes,,,,N/A,Web,2012-02-17,Closed with relief,Yes,No,CR0024384,4654
2012-02-17,Credit card,,APR or interest rate,,,,N/A,Web,2012-02-23,Closed with relief,Yes,Yes,CR0024666,2526
2012-02-16,Credit card,,Other,,,,N/A,Web,2012-02-17,Closed with relief,Yes,No,CR0024332,1047
2012-02-16,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-02-17,Closed without relief,Yes,Yes,CR0024234,4052
2012-02-16,Credit card,,Billing disputes,,,,N/A,Web,2012-02-17,Closed without relief,Yes,Yes,CR0023959,3222
2012-02-15,Credit card,,Rewards,,,,N/A,Web,2012-02-16,Closed with relief,Yes,No,CR0023865,4693
2012-02-15,Credit card,,Transaction issue,,,,N/A,Web,2012-02-16,Closed without relief,Yes,Yes,CR0023726,53
2012-02-15,Credit card,,Rewards,,,Older American,N/A,Web,2012-02-17,Closed without relief,Yes,Yes,CR0023920,2104
2012-02-15,Credit card,,Collection debt dispute,,,,N/A,Web,2012-02-16,Closed with relief,Yes,No,CR0023855,3600
2012-02-15,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-02-16,Closed without relief,Yes,Yes,CR0023915,3728
2012-02-14,Credit card,,Application processing delay,,,,N/A,Web,2012-02-15,Closed with relief,Yes,Yes,CR0023505,82
2012-02-13,Credit card,,Transaction issue,,,Older American,N/A,Web,2012-02-14,Closed without relief,Yes,No,CR0022797,3468
2012-02-13,Credit card,,Credit reporting,,,Servicemember,N/A,Web,2012-02-14,Closed without relief,Yes,Yes,CR0023003,3840
2012-02-13,Credit card,,Credit card protection / Debt protection,,,"Older American, Servicemember",N/A,Web,2012-02-14,Closed with relief,Yes,No,CR0022818,4660
2012-02-13,Credit card,,Credit reporting,,,,N/A,Web,2012-02-14,Closed with relief,Yes,No,CR0023147,6698
2012-02-13,Credit card,,Late fee,,,,N/A,Web,2012-02-15,Closed without relief,Yes,No,CR0085173,6764
2012-02-13,Credit card,,Billing disputes,,,,N/A,Web,2012-02-14,Closed without relief,Yes,No,CR0022799,1713
2012-02-11,Credit card,,Credit reporting,,,,N/A,Web,2012-02-13,Closed with relief,Yes,Yes,CR0022700,2955
2012-02-11,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-02-13,Closed with relief,Yes,No,CR0022711,13548
2012-02-11,Credit card,,Advertising and marketing,,,,N/A,Web,2012-02-15,Closed without relief,Yes,No,CR0022745,4403
2012-02-10,Credit card,,Collection debt dispute,,,,N/A,Web,2012-02-10,Closed with relief,Yes,No,CR0022254,4025
2012-02-10,Credit card,,Rewards,,,,N/A,Web,2012-02-13,Closed with relief,Yes,Yes,CR0022672,779
2012-02-09,Credit card,,Billing disputes,,,,N/A,Web,2012-02-13,Closed with relief,Yes,No,CR0021806,3208
2012-02-09,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-02-09,Closed with relief,Yes,No,CR0021748,3872
2012-02-09,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-02-09,Closed without relief,Yes,No,CR0021825,3127
2012-02-09,Credit card,,Billing disputes,,,,N/A,Web,2012-02-10,Closed with relief,Yes,No,CR0022171,371
2012-02-09,Credit card,,Credit reporting,,,,N/A,Web,2012-02-10,Closed without relief,Yes,No,CR0021908,2160
2012-02-09,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-02-10,Closed without relief,Yes,No,CR0021899,1829
2012-02-08,Credit card,,Billing statement,,,,N/A,Web,2012-02-10,Closed without relief,Yes,No,CR0021783,601
2012-02-08,Credit card,,Credit reporting,,,,N/A,Web,2012-02-09,Closed with relief,Yes,No,CR0021585,974
2012-02-08,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-08-22,Closed with non-monetary relief,Yes,No,CR0021389,4225
2012-02-08,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-02-09,Closed without relief,Yes,No,CR0021510,1889
2012-02-08,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-02-09,Closed without relief,Yes,No,CR0021403,1956
2012-02-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-02-09,Untimely response,No,,CR0021465,3032
2012-02-08,Credit card,,Collection practices,,,,N/A,Web,2012-02-10,Closed without relief,Yes,No,CR0021738,4191
2012-02-07,Credit card,,Credit determination,,,Older American,N/A,Web,2012-02-08,Closed with relief,Yes,No,CR0021203,3482
2012-02-07,Credit card,,Billing disputes,,,,N/A,Web,2012-02-08,Closed without relief,Yes,Yes,CR0021373,2111
2012-02-07,Credit card,,Other,,,Older American,N/A,Web,2012-02-08,Closed without relief,Yes,No,CR0021047,3365
2012-02-07,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-02-08,Closed without relief,Yes,Yes,CR0020933,5761
2012-02-07,Credit card,,Billing disputes,,,Older American,N/A,Web,2012-02-07,Closed without relief,Yes,Yes,CR0020936,9428
2012-02-07,Credit card,,Payoff process,,,,N/A,Web,2012-02-07,Closed with relief,Yes,Yes,CR0020942,3734
2012-02-07,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-02-07,Closed without relief,No,No,CR0020915,2455
2012-02-06,Credit card,,Collection practices,,,,N/A,Web,2012-02-08,Closed with relief,Yes,Yes,CR0020573,1980
2012-02-06,Credit card,,APR or interest rate,,,,N/A,Web,2012-02-07,Closed without relief,Yes,Yes,CR0020731,2652
2012-02-06,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2012-02-07,Closed without relief,No,No,CR0019340,3919
2012-02-03,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2012-02-07,Closed without relief,Yes,No,CR0020306,1297
2012-02-02,Credit card,,Collection debt dispute,,,,N/A,Web,2012-02-03,Closed without relief,Yes,No,CR0019934,3194
2012-02-02,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-02-03,Closed without relief,Yes,No,CR0019847,12464
2012-02-02,Credit card,,Advertising and marketing,,,,N/A,Web,2012-02-03,Closed without relief,Yes,Yes,CR0019647,3152
2012-02-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-02-02,Closed,No,,CR0019622,1529
2012-02-01,Credit card,,Arbitration,,,,N/A,Web,2012-02-02,Closed without relief,Yes,No,CR0010377,3071
2012-01-31,Credit card,,Billing disputes,,,,N/A,Web,2012-02-01,Closed without relief,Yes,No,CR0017168,11314
2012-01-31,Credit card,,Rewards,,,,N/A,Web,2012-02-01,Closed without relief,Yes,No,CR0012796,579
2012-01-31,Credit card,,Credit determination,,,,N/A,Web,2012-02-06,Closed with relief,Yes,No,CR0018084,3267
2012-01-31,Credit card,,Billing disputes,,,,N/A,Web,2012-01-31,Closed without relief,Yes,Yes,CR0018790,2408
2012-01-31,Credit card,,Collection debt dispute,,,,N/A,Web,2012-02-01,Closed without relief,Yes,Yes,CR0018794,2768
2012-01-30,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-02-01,Closed without relief,Yes,No,CR0018502,3876
2012-01-30,Credit card,,Credit reporting,,,,N/A,Web,2012-02-01,Closed with relief,Yes,No,CR0018685,3962
2012-01-30,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-01-31,Closed without relief,Yes,Yes,CR0018687,356
2012-01-30,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-02-01,Closed without relief,Yes,No,CR0018306,5392
2012-01-29,Credit card,,Credit reporting,,,,N/A,Web,2012-01-31,Closed with relief,Yes,No,CR0018252,2961
2012-01-29,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-01-31,Closed without relief,Yes,No,CR0086360,2839
2012-01-28,Credit card,,Other,,,,N/A,Web,2012-01-30,Closed without relief,Yes,No,CR0016295,2877
2012-01-26,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-01-26,Closed without relief,Yes,No,CR0017056,588
2012-01-26,Credit card,,Billing disputes,,,,N/A,Web,2012-01-30,Closed without relief,Yes,No,CR0017167,371
2012-01-26,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-01-27,Closed with relief,Yes,No,CR0017280,8568
2012-01-26,Credit card,,Billing disputes,,,,N/A,Web,2012-01-27,Closed without relief,No,No,CR0017201,11304
2012-01-25,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2012-01-26,Closed without relief,Yes,No,CR0016736,1226
2012-01-25,Credit card,,Collection debt dispute,,,,N/A,Web,2012-01-26,Closed with relief,Yes,No,CR0016871,10041
2012-01-25,Credit card,,Balance transfer,,,,N/A,Web,2012-01-25,Closed without relief,Yes,No,CR0016576,3599
2012-01-25,Credit card,,Payoff process,,,Older American,N/A,Web,2012-02-02,Closed without relief,Yes,Yes,CR0016816,2696
2012-01-25,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-01-26,Closed without relief,Yes,No,CR0016873,646
2012-01-25,Credit card,,Billing disputes,,,,N/A,Web,2012-01-26,Closed with relief,Yes,No,CR0016963,4944
2012-01-25,Credit card,,Transaction issue,,,,N/A,Web,2012-01-25,Closed without relief,Yes,Yes,CR0078629,2469
2012-01-24,Credit card,,Collection debt dispute,,,,N/A,Web,2012-01-25,Closed without relief,Yes,No,CR0016377,9428
2012-01-24,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-01-25,Closed with relief,Yes,Yes,CR0016373,7567
2012-01-24,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-01-24,Closed without relief,Yes,Yes,CR0016069,3672
2012-01-24,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-01-25,Closed with relief,Yes,No,CR0016347,4671
2012-01-23,Credit card,,Billing disputes,,,,N/A,Web,2012-01-23,Closed with relief,Yes,No,CR0015759,4433
2012-01-23,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-01-24,Closed without relief,Yes,Yes,CR0015989,4771
2012-01-23,Credit card,,Other,,,Older American,N/A,Web,2012-01-24,Closed without relief,Yes,No,CR0015546,11768
2012-01-23,Credit card,,Billing disputes,,,Older American,N/A,Web,2012-01-24,Closed with relief,Yes,No,CR0015859,6183
2012-01-23,Credit card,,Billing disputes,,,Older American,N/A,Web,2012-01-24,Closed with relief,Yes,No,CR0015860,13588
2012-01-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-01-23,Closed with relief,Yes,No,CR0015605,675
2012-01-20,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-01-20,Closed without relief,Yes,No,CR0015451,194
2012-01-20,Credit card,,Other,,,,N/A,Web,2012-01-20,Closed with relief,Yes,No,CR0082748,3117
2012-01-20,Credit card,,Late fee,,,,N/A,Web,2012-01-20,Closed with relief,No,No,CR0015246,2236
2012-01-20,Credit card,,Cash advance fee,,,,N/A,Web,2012-01-23,Closed with relief,No,No,CR0015385,763
2012-01-20,Credit card,,Billing disputes,,,,N/A,Web,2012-01-20,Closed with relief,Yes,No,CR0015420,5866
2012-01-20,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-01-23,Closed with relief,Yes,No,CR0015377,381
2012-01-19,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-01-20,Closed with relief,Yes,No,CR0013894,3026
2012-01-19,Credit card,,Balance transfer fee,,,Older American,N/A,Web,2012-01-19,Closed without relief,Yes,Yes,CR0014911,10043
2012-01-19,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2012-01-19,Closed with relief,Yes,No,CR0015072,1049
2012-01-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-01-19,Closed without relief,Yes,Yes,CR0014802,838
2012-01-18,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-01-19,Closed without relief,Yes,No,CR0014856,4160
2012-01-18,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2012-01-18,Closed without relief,Yes,No,CR0008112,3833
2012-01-18,Credit card,,Billing disputes,,,,N/A,Web,2012-02-10,Closed without relief,Yes,No,CR0013540,516
2012-01-18,Credit card,,Credit card protection / Debt protection,,,Servicemember,N/A,Web,2012-01-18,Closed without relief,No,Yes,CR0014543,1226
2012-01-18,Credit card,,Collection practices,,,Servicemember,N/A,Web,2012-01-19,Closed without relief,Yes,Yes,CR0014882,10274
2012-01-17,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-01-17,Untimely response,No,,CR0075420,12662
2012-01-17,Credit card,,Other fee,,,,N/A,Web,2012-01-18,Closed with relief,No,No,CR0014370,3262
2012-01-17,Credit card,,Credit reporting,,,,N/A,Web,2012-01-17,Closed with relief,Yes,No,CR0010496,4161
2012-01-17,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-01-18,Closed without relief,Yes,No,CR0014241,1489
2012-01-16,Credit card,,APR or interest rate,,,,N/A,Web,2012-01-17,Closed without relief,Yes,No,CR0013892,9428
2012-01-16,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-01-17,Closed without relief,Yes,No,CR0013893,749
2012-01-16,Credit card,,Credit determination,,,,N/A,Web,2012-01-17,Closed without relief,Yes,No,CR0013891,2980
2012-01-16,Credit card,,Collection debt dispute,,,,N/A,Web,2012-02-02,Closed without relief,Yes,No,CR0013918,647
2012-01-15,Credit card,,Other fee,,,,N/A,Web,2012-01-17,Closed without relief,Yes,Yes,CR0013855,3391
2012-01-15,Credit card,,Advertising and marketing,,,,N/A,Web,2012-01-17,Closed without relief,Yes,Yes,CR0013833,2317
2012-01-14,Credit card,,Advertising and marketing,,,Older American,N/A,Web,2012-01-17,Closed with relief,Yes,No,CR0013776,4788
2012-01-14,Credit card,,Late fee,,,,N/A,Web,2012-01-18,Closed with relief,Yes,No,CR0013808,4164
2012-01-14,Credit card,,APR or interest rate,,,Older American,N/A,Web,2012-02-02,Closed without relief,Yes,No,CR0013829,3852
2012-01-14,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-01-31,Closed with relief,Yes,No,CR0013821,814
2012-01-13,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-01-13,Closed without relief,Yes,No,CR0013374,1798
2012-01-13,Credit card,,Other,,,,N/A,Web,2012-01-13,Closed without relief,Yes,Yes,CR0013417,2088
2012-01-13,Credit card,,APR or interest rate,,,,N/A,Web,2012-02-02,Closed with relief,Yes,No,CR0013340,1908
2012-01-13,Credit card,,Balance transfer,,,,N/A,Web,2012-01-17,Closed with relief,Yes,No,CR0013706,4312
2012-01-13,Credit card,,Cash advance,,,,N/A,Web,2012-01-13,Closed with relief,Yes,Yes,CR0013448,1834
2012-01-13,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-01-17,Closed without relief,Yes,No,CR0013680,334
2012-01-12,Credit card,,Collection practices,,,,N/A,Web,2012-01-12,Closed without relief,Yes,No,CR0013137,486
2012-01-12,Credit card,,Billing disputes,,,Older American,N/A,Web,2012-01-12,Closed without relief,Yes,No,CR0013185,3283
2012-01-12,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Web,2012-01-13,Closed without relief,No,No,CR0013291,576
2012-01-12,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Web,2012-01-12,Closed without relief,Yes,No,CR0013104,3
2012-01-12,Credit card,,Rewards,,,,N/A,Web,2012-01-13,Closed with relief,Yes,No,CR0013154,1564
2012-01-12,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-01-12,Closed with relief,Yes,No,CR0013202,4622
2012-01-12,Credit card,,Other,,,Servicemember,N/A,Web,2012-01-12,Closed without relief,Yes,No,CR0013046,11126
2012-01-12,Credit card,,Billing disputes,,,Older American,N/A,Web,2012-01-13,Closed without relief,Yes,No,CR0013208,4752
2012-01-11,Credit card,,Billing statement,,,,N/A,Web,2012-01-11,Closed without relief,Yes,No,CR0012550,4783
2012-01-11,Credit card,,Collection debt dispute,,,,N/A,Web,2012-01-12,Closed without relief,Yes,Yes,CR0012743,1219
2012-01-11,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-01-12,Closed without relief,No,No,CR0012641,3649
2012-01-11,Credit card,,Transaction issue,,,,N/A,Web,2012-01-11,Closed without relief,Yes,No,CR0075461,3470
2012-01-11,Credit card,,Rewards,,,,N/A,Web,2012-01-12,Closed with relief,Yes,No,CR0012683,2616
2012-01-11,Credit card,,Billing disputes,,,,N/A,Web,2012-01-11,Untimely response,No,,CR0012557,3125
2012-01-11,Credit card,,Sale of account,,,,N/A,Web,2012-01-12,Closed without relief,Yes,No,CR0012684,2105
2012-01-10,Credit card,,Credit reporting,,,Older American,N/A,Web,2012-01-11,Closed without relief,Yes,No,CR0012508,331
2012-01-10,Credit card,,Credit reporting,,,,N/A,Web,2012-01-10,Closed with relief,Yes,No,CR0012398,30
2012-01-10,Credit card,,Advertising and marketing,,,,N/A,Web,2012-01-13,Closed with relief,Yes,No,CR0012245,6481
2012-01-10,Credit card,,Customer service / Customer relations,,,,N/A,Web,2012-01-11,Closed with relief,Yes,No,CR0054391,2281
2012-01-10,Credit card,,APR or interest rate,,,,N/A,Web,2012-01-12,Closed with relief,Yes,No,CR0012087,3028
2012-01-09,Credit card,,Credit line increase/decrease,,,,N/A,Web,2012-01-10,Closed with relief,No,No,CR0011683,342
2012-01-09,Credit card,,Late fee,,,,N/A,Web,2012-01-09,Closed with relief,No,No,CR0011526,4718
2012-01-08,Credit card,,APR or interest rate,,,Servicemember,N/A,Web,2012-01-10,Closed without relief,Yes,Yes,CR0011402,3338
2012-01-08,Credit card,,Rewards,,,"Older American, Servicemember",N/A,Web,2012-01-10,Closed without relief,Yes,No,CR0011433,1412
2012-01-08,Credit card,,Other,,,,N/A,Web,2012-01-09,Closed without relief,Yes,No,CR0011488,2286
2012-01-08,Credit card,,Unsolicited issuance of credit card,,,,N/A,Web,2012-01-09,Closed without relief,No,Yes,CR0011477,8726
2012-01-07,Credit card,,Billing disputes,,,,N/A,Web,2012-01-10,Closed without relief,No,No,CR0011349,1681
2012-01-07,Credit card,,Bankruptcy,,,,N/A,Web,2012-01-09,Closed without relief,Yes,Yes,CR0011254,5527
2012-01-07,Credit card,,Late fee,,,,N/A,Web,2012-01-09,Closed with relief,Yes,No,CR0011365,1164
2012-01-07,Credit card,,Sale of account,,,,N/A,Web,2012-01-09,Closed without relief,Yes,No,CR0011379,4153
2012-01-07,Credit card,,Collection debt dispute,,,Older American,N/A,Web,2012-01-09,Closed without relief,Yes,No,CR0011198,739
2012-01-06,Credit card,,Payoff process,,,,N/A,Web,2012-01-09,Closed without relief,Yes,No,CR0010718,2576
2012-01-06,Credit card,,Credit reporting,,,,N/A,Web,2012-01-09,Closed with relief,No,No,CR0010481,2852
2012-01-06,Credit card,,Billing disputes,,,Older American,N/A,Web,2012-01-11,Closed with relief,Yes,No,CR0010773,553
2012-01-06,Credit card,,Payoff process,,,,N/A,Web,2012-01-09,Closed with relief,Yes,No,CR0010464,298
2012-01-06,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2012-01-10,Closed with relief,Yes,Yes,CR0010515,4243
2012-01-06,Credit card,,Other fee,,,,N/A,Web,2012-01-09,Closed without relief,Yes,No,CR0010874,2864
2012-01-05,Credit card,,Collection practices,,,,N/A,Web,2012-01-09,Closed without relief,Yes,Yes,CR0010013,509
2012-01-05,Credit card,,Credit reporting,,,,N/A,Web,2012-01-06,Closed without relief,Yes,No,CR0010346,2179
2012-01-05,Credit card,,Advertising and marketing,,,,N/A,Web,2012-01-06,Closed with relief,Yes,No,CR0010376,5399
2012-01-05,Credit card,,Billing disputes,,,,N/A,Web,2012-01-06,Closed without relief,Yes,No,CR0009986,1008
2012-01-05,Credit card,,Advertising and marketing,,,,N/A,Web,2012-01-05,Closed without relief,Yes,No,CR0009892,2631
2012-01-05,Credit card,,Rewards,,,,N/A,Web,2012-01-10,Closed without relief,Yes,Yes,CR0010401,1733
2012-01-04,Credit card,,Billing disputes,,,,N/A,Web,2012-01-09,Closed with relief,Yes,No,CR0009425,195
2012-01-04,Credit card,,Rewards,,,,N/A,Web,2012-01-05,Closed without relief,Yes,Yes,CR0009435,247
2012-01-04,Credit card,,Closing/Cancelling account,,,,N/A,Web,2012-01-04,Closed with relief,Yes,No,CR0009504,3453
2012-01-04,Credit card,,APR or interest rate,,,,N/A,Web,2012-01-05,Closed with relief,Yes,No,CR0009715,2381
2012-01-03,Credit card,,Rewards,,,,N/A,Web,2012-01-04,Closed with relief,Yes,No,CR0009270,1795
2012-01-03,Credit card,,Credit line increase/decrease,,,Older American,N/A,Web,2012-01-05,Closed without relief,Yes,Yes,CR0009394,2962
2012-01-03,Credit card,,Transaction issue,,,Older American,N/A,Web,2012-01-04,Closed with relief,Yes,No,CR0009342,1648
2012-01-02,Credit card,,APR or interest rate,,,Older American,N/A,Web,2012-01-05,Closed without relief,No,No,CR0009056,1486
2012-01-02,Credit card,,APR or interest rate,,,,N/A,Web,2012-01-03,Closed with relief,Yes,No,CR0009048,3448
2011-12-30,Credit card,,Balance transfer,,,,N/A,Web,2011-12-30,Closed without relief,Yes,No,CR0008760,12163
2011-12-30,Credit card,,Delinquent account,,,,N/A,Web,2011-12-30,Closed without relief,Yes,No,CR0002041,3642
2011-12-29,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2011-12-30,Closed without relief,Yes,No,CR0008559,5180
2011-12-29,Credit card,,Rewards,,,,N/A,Web,2011-12-30,Closed with relief,No,No,CR0008655,3501
2011-12-28,Credit card,,Billing disputes,,,,N/A,Web,2011-12-29,Closed with relief,Yes,No,CR0008228,1294
2011-12-27,Credit card,,Closing/Cancelling account,,,,N/A,Web,2011-12-27,Closed without relief,Yes,Yes,CR0053974,3622
2011-12-27,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2011-12-28,Closed without relief,Yes,Yes,CR0008014,2577
2011-12-26,Credit card,,Customer service / Customer relations,,,,N/A,Web,2011-12-28,Closed with relief,Yes,No,CR0007960,3358
2011-12-24,Credit card,,Collection practices,,,,N/A,Web,2011-12-28,Closed with relief,Yes,No,CR0007906,2364
2011-12-24,Credit card,,Balance transfer fee,,,,N/A,Web,2011-12-28,Closed without relief,Yes,No,CR0007899,121
2011-12-23,Credit card,,Closing/Cancelling account,,,,N/A,Web,2011-12-27,Closed without relief,Yes,No,CR0007887,3206
2011-12-23,Credit card,,Credit line increase/decrease,,,,N/A,Web,2011-12-27,Closed without relief,Yes,Yes,CR0007852,4381
2011-12-22,Credit card,,Other,,,,N/A,Web,2011-12-23,Untimely response,No,,CR0007747,13447
2011-12-22,Credit card,,Sale of account,,,,N/A,Web,2011-12-22,Untimely response,No,,CR0007503,4919
2011-12-22,Credit card,,Billing disputes,,,,N/A,Web,2012-02-13,Closed with relief,Yes,No,CR0007517,3106
2011-12-22,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2012-08-31,Closed with explanation,Yes,No,CR0007613,78
2011-12-21,Credit card,,Other fee,,,,N/A,Web,2011-12-22,Closed with relief,Yes,No,CR0007257,3388
2011-12-21,Credit card,,Rewards,,,,N/A,Web,2011-12-22,Closed with relief,Yes,No,CR0007378,13201
2011-12-21,Credit card,,Billing statement,,,,N/A,Web,2011-12-22,Closed with relief,Yes,No,CR0007500,335
2011-12-20,Credit card,,Transaction issue,,,Servicemember,N/A,Web,2011-12-20,Untimely response,No,,CR0007134,11713
2011-12-19,Credit card,,Privacy,,,,N/A,Web,2011-12-21,Closed without relief,Yes,Yes,CR0006738,2476
2011-12-19,Credit card,,Other,,,,N/A,Web,2011-12-21,Closed with relief,Yes,No,CR0006618,4655
2011-12-19,Credit card,,Late fee,,,,N/A,Web,2011-12-21,Closed with relief,Yes,No,CR0006660,1686
2011-12-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2011-12-20,Closed without relief,Yes,No,CR0006743,1373
2011-12-18,Credit card,,Billing disputes,,,,N/A,Web,2011-12-21,Closed without relief,Yes,No,CR0006495,2391
2011-12-17,Credit card,,Payoff process,,,,N/A,Web,2011-12-19,Closed with relief,Yes,Yes,CR0006452,4253
2011-12-17,Credit card,,Closing/Cancelling account,,,,N/A,Web,2011-12-21,Untimely response,No,,CR0006444,981
2011-12-16,Credit card,,APR or interest rate,,,,N/A,Web,2011-12-21,Closed with relief,Yes,No,CR0006139,335
2011-12-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2011-12-21,Closed without relief,Yes,No,CR0006171,4584
2011-12-15,Credit card,,Credit line increase/decrease,,,,N/A,Web,2011-12-19,Closed without relief,Yes,No,CR0005877,4066
2011-12-14,Credit card,,APR or interest rate,,,,N/A,Web,2011-12-16,Closed without relief,Yes,No,CR0005357,3575
2011-12-14,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2011-12-16,Untimely response,No,,CR0005578,4170
2011-12-14,Credit card,,Other fee,,,Older American,N/A,Web,2011-12-16,Closed with relief,Yes,No,CR0005690,1790
2011-12-14,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2011-12-19,Closed with relief,Yes,No,CR0005541,2511
2011-12-13,Credit card,,Billing disputes,,,,N/A,Web,2011-12-19,Closed without relief,Yes,No,CR0005335,4101
2011-12-13,Credit card,,Collection debt dispute,,,Older American,N/A,Web,2011-12-16,Closed without relief,Yes,Yes,CR0005468,4496
2011-12-13,Credit card,,Customer service / Customer relations,,,Older American,N/A,Web,2011-12-19,Closed with relief,Yes,No,CR0005213,4344
2011-12-13,Credit card,,APR or interest rate,,,,N/A,Web,2011-12-14,Closed without relief,Yes,No,CR0005284,2288
2011-12-12,Credit card,,Advertising and marketing,,,,N/A,Web,2011-12-14,Closed with relief,Yes,No,CR0004938,4153
2011-12-12,Credit card,,Payoff process,,,,N/A,Web,2011-12-14,Closed with relief,Yes,No,CR0004876,10043
2011-12-12,Credit card,,Other fee,,,,N/A,Web,2011-12-16,Closed with relief,Yes,No,CR0004913,3877
2011-12-12,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2011-12-16,Closed without relief,Yes,Yes,CR0004864,5978
2011-12-12,Credit card,,Credit reporting,,,Older American,N/A,Web,2011-12-12,Closed without relief,Yes,Yes,CR0004886,772
2011-12-11,Credit card,,Transaction issue,,,,N/A,Web,2011-12-12,Closed with relief,Yes,No,CR0004574,3482
2011-12-10,Credit card,,Collection debt dispute,,,,N/A,Web,2011-12-12,Closed without relief,Yes,No,CR0004530,2195
2011-12-10,Credit card,,APR or interest rate,,,Older American,N/A,Web,2011-12-19,Closed with relief,Yes,Yes,CR0004503,4633
2011-12-10,Credit card,,Other fee,,,,N/A,Web,2011-12-12,Closed with relief,Yes,No,CR0004533,4979
2011-12-09,Credit card,,Transaction issue,,,,N/A,Web,2011-12-12,Closed with relief,Yes,No,CR0004218,1783
2011-12-09,Credit card,,APR or interest rate,,,,N/A,Web,2011-12-12,Closed with relief,Yes,No,CR0004310,7586
2011-12-09,Credit card,,Billing disputes,,,,N/A,Web,2011-12-12,Closed without relief,Yes,No,CR0004233,123
2011-12-09,Credit card,,Credit card protection / Debt protection,,,,N/A,Web,2011-12-19,Untimely response,No,,CR0004257,899
2011-12-08,Credit card,,Balance transfer,,,,N/A,Web,2011-12-08,Closed with relief,Yes,No,CR0003810,4557
2011-12-08,Credit card,,Credit reporting,,,,N/A,Web,2011-12-21,Closed with relief,Yes,No,CR0003824,2779
2011-12-08,Credit card,,Collection debt dispute,,,,N/A,Web,2011-12-11,Closed without relief,Yes,No,CR0004181,3933
2011-12-08,Credit card,,Closing/Cancelling account,,,,N/A,Web,2011-12-08,Closed with relief,Yes,Yes,CR0003804,3730
2011-12-08,Credit card,,Billing disputes,,,,N/A,Web,2011-12-11,Closed without relief,Yes,No,CR0004101,2188
2011-12-08,Credit card,,Balance transfer,,,"Older American, Servicemember",N/A,Web,2011-12-09,Closed without relief,Yes,Yes,CR0003797,1481
2011-12-07,Credit card,,Other fee,,,,N/A,Web,2011-12-07,Closed without relief,Yes,No,CR0003482,86
2011-12-07,Credit card,,Closing/Cancelling account,,,Older American,N/A,Web,2011-12-07,Closed with relief,Yes,No,CR0003659,1292
2011-12-07,Credit card,,Collection debt dispute,,,Older American,N/A,Web,2011-12-08,Closed with relief,Yes,No,CR0003712,3423
2011-12-06,Credit card,,Credit determination,,,,N/A,Web,2011-12-07,Closed without relief,Yes,Yes,CR0066041,2592
2011-12-06,Credit card,,Billing disputes,,,,N/A,Web,2011-12-09,Closed without relief,Yes,Yes,CR0003146,2469
2011-12-06,Credit card,,Credit reporting,,,,N/A,Web,2011-12-09,Closed without relief,Yes,Yes,CR0067932,3907
2011-12-05,Credit card,,Payoff process,,,,N/A,Web,2011-12-06,Closed with relief,No,No,CR0060178,139
2011-12-05,Credit card,,APR or interest rate,,,,N/A,Web,2011-12-06,Closed without relief,Yes,No,CR0002964,5468
2011-12-05,Credit card,,Late fee,,,Older American,N/A,Web,2011-12-06,Closed with relief,Yes,No,CR0003047,4790
2011-12-05,Credit card,,Other,,,,N/A,Web,2011-12-07,Closed with relief,Yes,Yes,CR0003100,1728
2011-12-05,Credit card,,Credit reporting,,,Older American,N/A,Web,2011-12-09,Closed without relief,Yes,Yes,CR0003069,1590
2011-12-05,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Web,2011-12-06,Closed without relief,Yes,No,CR0003119,2084
2011-12-05,Credit card,,Other,,,,N/A,Web,2011-12-06,Closed without relief,Yes,Yes,CR0003128,4309
2011-12-03,Credit card,,Credit line increase/decrease,,,,N/A,Web,2011-12-05,Closed without relief,Yes,Yes,CR0002723,1473
2011-12-02,Credit card,,Forbearance / Workout plans,,,,N/A,Web,2011-12-05,Closed without relief,Yes,No,CR0002503,2096
2011-12-02,Credit card,,Other,,,,N/A,Web,2011-12-05,Closed without relief,Yes,Yes,CR0002640,3327
2011-12-01,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Web,2011-12-01,Closed with relief,Yes,No,CR0002046,829
2012-05-21,Bank account or service,Checking account,Problems caused by my funds being low,,,"Older American, Servicemember",N/A,Phone,2012-06-18,Closed with explanation,Yes,Yes,CR0000072,3714
2012-05-21,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-05-23,Closed with explanation,No,No,CR0000084,1366
2012-05-21,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2012-05-22,Closed without relief,Yes,Yes,CR0000175,1231
2012-05-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Phone,2012-05-24,Closed with relief,Yes,No,CR0000298,1752
2012-05-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-05-25,Closed with explanation,Yes,Yes,CR0000895,1998
2012-05-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-05-30,Closed with explanation,Yes,Yes,CR0001080,2867
2012-05-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2012-05-29,Closed with non-monetary relief,Yes,No,CR0001341,960
2012-05-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-05-29,Closed with explanation,Yes,No,CR0001710,4522
2011-12-05,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Phone,2011-12-09,Closed with relief,Yes,Yes,CR0002929,7863
2011-12-06,Credit card,,Other,,,Servicemember,N/A,Phone,2011-12-09,Closed with relief,Yes,No,CR0003269,409
2011-12-12,Credit card,,APR or interest rate,,,,N/A,Phone,2011-12-14,Closed with relief,Yes,No,CR0004889,4768
2011-12-16,Credit card,,Other,,,,N/A,Phone,2011-12-29,Closed with relief,No,No,CR0006173,3841
2011-12-19,Credit card,,Rewards,,,Older American,N/A,Phone,2011-12-21,Closed with relief,Yes,No,CR0006795,8366
2011-12-21,Credit card,,Billing disputes,,,Older American,N/A,Phone,2011-12-22,Untimely response,No,,CR0007379,4219
2012-01-03,Credit card,,Billing disputes,,,Older American,N/A,Phone,2012-01-05,Closed with relief,No,No,CR0009358,1891
2012-01-06,Credit card,,Cash advance fee,,,,N/A,Phone,2012-01-09,Untimely response,No,,CR0010889,3624
2011-12-27,Credit card,,Collection practices,,,,N/A,Phone,2011-12-29,Closed without relief,Yes,No,CR0013314,246
2012-01-17,Credit card,,Payoff process,,,Older American,N/A,Phone,2012-04-10,Closed with relief,Yes,Yes,CR0014335,1221
2012-01-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2012-01-20,Closed without relief,Yes,Yes,CR0014338,5283
2012-01-19,Credit card,,Credit card protection / Debt protection,,,,N/A,Phone,2012-01-20,Closed with relief,Yes,No,CR0014991,3525
2011-12-14,Credit card,,Billing disputes,,,,N/A,Phone,2011-12-21,Closed with relief,Yes,Yes,CR0015394,2267
2012-03-06,Credit card,,Cash advance fee,,,Older American,N/A,Phone,2012-03-07,Closed without relief,No,Yes,CR0016459,4514
2012-01-27,Credit card,,APR or interest rate,,,,N/A,Phone,2013-10-18,Closed with explanation,Yes,No,CR0018110,3619
2012-01-30,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,N/A,Phone,2012-02-21,Closed with relief,Yes,No,CR0018574,4406
2012-01-31,Credit card,,Billing disputes,,,Servicemember,N/A,Phone,2012-02-02,Closed without relief,Yes,No,CR0019006,3756
2012-02-01,Credit card,,Payoff process,,,,N/A,Phone,2012-02-11,Closed without relief,Yes,No,CR0019572,3695
2012-02-03,Credit card,,Billing disputes,,,,N/A,Phone,2012-02-07,Closed without relief,Yes,No,CR0020288,1448
2012-02-06,Credit card,,Billing disputes,,,,N/A,Phone,2012-02-09,Closed without relief,Yes,No,CR0020876,994
2012-02-23,Credit card,,Other,,,Older American,N/A,Phone,2012-02-23,Closed with relief,Yes,No,CR0021455,715
2012-02-08,Credit card,,Closing/Cancelling account,,,Older American,N/A,Phone,2012-02-10,Closed without relief,Yes,No,CR0021708,2304
2012-02-08,Credit card,,Credit reporting,,,"Older American, Servicemember",N/A,Phone,2012-02-10,Closed with relief,No,No,CR0021753,2277
2012-02-09,Credit card,,Balance transfer fee,,,Older American,N/A,Phone,2012-02-13,Closed with relief,Yes,No,CR0022106,1596
2012-02-14,Credit card,,APR or interest rate,,,,N/A,Phone,2012-02-15,Closed with relief,Yes,Yes,CR0023451,13071
2012-02-14,Credit card,,Privacy,,,Older American,N/A,Phone,2012-03-30,Closed without relief,Yes,Yes,CR0023552,3116
2012-02-15,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2012-02-16,Closed with relief,Yes,No,CR0023750,1569
2012-02-15,Credit card,,Credit reporting,,,,N/A,Phone,2012-02-16,Closed without relief,Yes,Yes,CR0023878,1091
2012-02-16,Credit card,,APR or interest rate,,,,N/A,Phone,2012-02-17,Closed with relief,Yes,No,CR0024147,2658
2012-02-21,Credit card,,Billing disputes,,,,N/A,Phone,2012-02-23,Closed with relief,Yes,No,CR0025230,11906
2012-02-27,Credit card,,Billing statement,,,,N/A,Phone,2012-02-28,Closed without relief,Yes,No,CR0027086,1039
2012-02-29,Credit card,,Billing disputes,,,Older American,N/A,Phone,2012-03-01,Closed with relief,Yes,No,CR0028245,4342
2012-05-08,Credit card,,Unsolicited issuance of credit card,,,,N/A,Phone,2012-05-10,Closed with relief,Yes,No,CR0028257,4584
2012-03-01,Credit card,,Credit line increase/decrease,,,,N/A,Phone,2012-03-02,Closed without relief,Yes,Yes,CR0029150,733
2012-03-06,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2012-03-07,Closed with relief,Yes,No,CR0031126,2219
2012-03-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2012-03-07,Untimely response,No,,CR0031594,3560
2012-03-07,Credit card,,APR or interest rate,,,,N/A,Phone,2012-03-09,Closed with relief,Yes,No,CR0031620,10076
2012-03-07,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2012-03-13,Closed with relief,Yes,No,CR0031869,165
2012-03-07,Credit card,,Billing disputes,,,,N/A,Phone,2012-03-09,Closed with relief,Yes,No,CR0032026,3008
2012-03-08,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2012-03-09,Closed with relief,Yes,No,CR0032200,2061
2012-03-08,Credit card,,Delinquent account,,,Older American,N/A,Phone,2012-03-09,Closed with relief,Yes,No,CR0032580,1972
2012-03-09,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2012-03-12,Closed with relief,Yes,No,CR0032682,131
2012-03-09,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-03-12,Closed without relief,Yes,Yes,CR0032766,218
2012-03-09,Credit card,,Transaction issue,,,,N/A,Phone,2012-03-12,Closed with relief,Yes,Yes,CR0033120,4615
2012-03-12,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2012-03-13,Closed with relief,Yes,No,CR0033772,4498
2012-03-12,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-07-20,Closed with monetary relief,Yes,Yes,CR0034164,9995
2012-03-12,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-03-14,Closed with relief,Yes,No,CR0034182,7299
2012-03-13,Credit card,,Other fee,,,Older American,N/A,Phone,2012-03-14,Closed without relief,Yes,Yes,CR0034342,3280
2012-03-13,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2012-03-14,Closed with relief,Yes,No,CR0034382,674
2012-03-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-03-14,Closed without relief,Yes,No,CR0034559,1586
2012-03-13,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-03-14,Closed without relief,Yes,No,CR0034615,1697
2012-03-13,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2012-03-14,Closed without relief,Yes,No,CR0034623,4743
2012-03-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-03-14,Closed without relief,Yes,No,CR0034724,2211
2012-03-13,Credit card,,Credit reporting,,,Servicemember,N/A,Phone,2012-03-14,Closed with relief,Yes,No,CR0034731,456
2012-03-14,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2012-03-15,Closed without relief,Yes,No,CR0035157,4773
2012-03-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-03-15,Closed with relief,Yes,No,CR0035214,385
2012-03-14,Credit card,,Payoff process,,,Older American,N/A,Phone,2012-03-15,Closed without relief,Yes,Yes,CR0035414,2343
2012-03-15,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2012-03-16,Closed without relief,Yes,Yes,CR0035629,4680
2012-03-15,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,Servicemember,N/A,Phone,2012-03-16,Closed without relief,Yes,No,CR0035809,4505
2012-03-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-03-19,Closed without relief,Yes,No,CR0036342,2633
2012-03-19,Credit card,,Billing disputes,,,Older American,N/A,Phone,2012-03-20,Closed without relief,Yes,No,CR0036596,2667
2012-03-19,Credit card,,APR or interest rate,,,Older American,N/A,Phone,2012-03-20,Closed with relief,Yes,No,CR0036724,1986
2012-03-19,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-03-20,Closed with relief,Yes,No,CR0036743,4108
2012-03-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-03-26,Closed without relief,Yes,No,CR0037324,4156
2012-03-20,Credit card,,Credit reporting,,,Servicemember,N/A,Phone,2012-03-21,Closed with relief,Yes,No,CR0037430,1683
2012-03-22,Credit card,,Late fee,,,,N/A,Phone,2012-03-26,Closed without relief,No,Yes,CR0039723,1818
2012-03-22,Credit card,,Billing statement,,,"Older American, Servicemember",N/A,Phone,2012-03-23,Closed with relief,Yes,No,CR0039820,4448
2012-03-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-03-23,Closed without relief,Yes,No,CR0039941,1066
2012-03-23,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2012-03-27,Closed with relief,Yes,No,CR0040526,13412
2012-03-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-03-27,Closed without relief,Yes,No,CR0040806,4547
2012-03-26,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-03-27,Closed without relief,Yes,No,CR0040857,3408
2012-03-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2012-03-27,Closed with relief,Yes,No,CR0041196,3061
2012-03-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2012-03-27,Closed with relief,Yes,No,CR0041236,3020
2012-03-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2012-03-27,Closed with relief,Yes,Yes,CR0041258,3935
2012-03-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2012-03-28,Closed without relief,Yes,Yes,CR0041514,1593
2012-03-27,Credit card,,Collection debt dispute,,,Servicemember,N/A,Phone,2012-03-28,Closed with relief,Yes,No,CR0041721,3345
2012-03-28,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2012-03-29,Closed without relief,Yes,No,CR0041936,4124
2012-03-28,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2012-03-29,Closed with relief,Yes,No,CR0042053,11598
2012-03-28,Credit card,,Credit line increase/decrease,,,Older American,N/A,Phone,2012-03-29,Closed with relief,Yes,No,CR0042173,3259
2012-03-28,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Phone,2012-03-29,Closed without relief,Yes,No,CR0042314,2085
2012-05-22,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2012-05-29,Closed with explanation,Yes,Yes,CR0042384,4327
2012-03-29,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Phone,2012-04-02,Closed with relief,Yes,No,CR0042716,4222
2012-03-30,Credit card,,Billing disputes,,,Older American,N/A,Phone,2012-04-04,Closed without relief,Yes,No,CR0042896,2357
2012-03-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-04-04,Closed without relief,Yes,Yes,CR0042918,4904
2012-03-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-04-04,Closed without relief,Yes,No,CR0043046,2890
2012-04-02,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2012-04-03,Closed with relief,Yes,Yes,CR0043413,10702
2012-04-03,Credit card,,Billing disputes,,,,N/A,Phone,2012-04-04,Closed with relief,Yes,No,CR0043639,2815
2012-04-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-04-04,Closed with relief,Yes,No,CR0043661,2747
2012-04-03,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2012-04-04,Closed without relief,Yes,Yes,CR0043714,2607
2012-04-03,Credit card,,Late fee,,,,N/A,Phone,2012-04-05,Closed without relief,Yes,Yes,CR0043845,2425
2012-04-04,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2012-04-05,Closed without relief,Yes,No,CR0043901,10563
2012-04-04,Credit card,,Closing/Cancelling account,,,Older American,N/A,Phone,2012-04-05,Closed without relief,Yes,No,CR0043908,1179
2012-04-04,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Phone,2012-04-05,Closed without relief,Yes,No,CR0043994,3766
2012-04-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-04-05,Closed with relief,Yes,No,CR0044148,384
2012-04-05,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,,N/A,Phone,2012-04-06,Closed without relief,Yes,No,CR0044528,2345
2012-04-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-04-06,Closed with relief,Yes,No,CR0044567,2371
2012-04-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-04-11,Closed with relief,Yes,Yes,CR0044750,2070
2012-04-06,Credit card,,Collection practices,,,,N/A,Phone,2012-04-09,Closed without relief,Yes,No,CR0044798,3211
2012-04-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-04-09,Closed without relief,Yes,No,CR0044824,8463
2012-04-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2012-04-10,Closed without relief,Yes,No,CR0044941,414
2012-04-09,Credit card,,Billing statement,,,,N/A,Phone,2012-04-11,Closed without relief,Yes,Yes,CR0045016,4001
2012-04-09,Credit card,,Payoff process,,,"Older American, Servicemember",N/A,Phone,2012-04-10,Closed with relief,Yes,No,CR0045163,3519
2012-04-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-04-10,Closed without relief,Yes,No,CR0045310,3927
2012-04-10,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2012-04-11,Closed without relief,Yes,No,CR0053969,4241
2012-04-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-04-12,Closed with relief,Yes,No,CR0054623,310
2012-04-10,Credit card,,APR or interest rate,,,,N/A,Phone,2012-04-12,Closed without relief,Yes,No,CR0054688,3073
2012-04-10,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2012-04-12,Closed with relief,No,Yes,CR0054705,4037
2012-04-11,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Phone,2012-04-12,Closed with relief,Yes,No,CR0055024,1706
2012-04-11,Credit card,,Payoff process,,,,N/A,Phone,2012-04-12,Closed with relief,Yes,No,CR0055174,1359
2012-04-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-04-12,Closed,Yes,No,CR0055405,3530
2012-04-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-04-12,Closed with relief,Yes,No,CR0055862,1948
2012-04-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-04-12,Closed with relief,Yes,No,CR0055912,2124
2012-04-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-04-13,Closed without relief,Yes,No,CR0055963,2152
2012-04-11,Credit card,,Closing/Cancelling account,,,Older American,N/A,Phone,2012-04-13,Closed with relief,Yes,No,CR0056063,2911
2012-04-11,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-04-12,Closed without relief,No,No,CR0056064,1583
2012-04-12,Credit card,,Closing/Cancelling account,,,Older American,N/A,Phone,2012-04-13,Closed without relief,Yes,No,CR0056553,361
2012-04-13,Credit card,,Arbitration,,,Older American,N/A,Phone,2012-05-11,Closed without relief,Yes,No,CR0057534,3195
2012-04-13,Credit card,,Credit line increase/decrease,,,Older American,N/A,Phone,2012-04-16,Closed with relief,Yes,Yes,CR0057644,7422
2012-04-13,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2012-04-16,Closed with relief,Yes,No,CR0057825,893
2012-04-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-04-16,Closed without relief,Yes,No,CR0057828,752
2012-04-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-04-16,Closed,Yes,No,CR0057887,569
2012-04-16,Credit card,,Credit line increase/decrease,,,,N/A,Phone,2012-05-17,Closed with explanation,No,Yes,CR0058580,3904
2012-04-16,Credit card,,Arbitration,,,,N/A,Phone,2012-04-18,Closed with relief,No,No,CR0058621,3559
2012-04-16,Credit card,,Other,,,Older American,N/A,Phone,2012-04-19,Closed with relief,Yes,No,CR0058907,2930
2012-04-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-04-18,Closed without relief,Yes,No,CR0058953,3610
2012-04-17,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-04-19,Closed with relief,Yes,No,CR0059372,3954
2012-04-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-04-18,Closed with relief,Yes,No,CR0059404,10555
2012-04-17,Credit card,,Forbearance / Workout plans,,,Older American,N/A,Phone,2012-04-19,Closed without relief,No,Yes,CR0059730,1373
2012-04-18,Credit card,,Other,,,,N/A,Phone,2012-04-19,Closed with explanation,No,No,CR0060241,4043
2012-04-18,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-04-19,Closed with relief,Yes,No,CR0060587,2440
2012-04-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-04-20,Closed,No,No,CR0061148,11979
2012-04-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-04-23,Closed without relief,Yes,No,CR0061285,582
2012-04-19,Credit card,,Rewards,,,,N/A,Phone,2012-04-20,Closed without relief,No,No,CR0061314,9930
2012-04-19,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2012-04-20,Closed,Yes,Yes,CR0061317,2832
2012-04-19,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Phone,2012-04-20,Closed without relief,No,No,CR0061335,3903
2012-04-20,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2012-04-23,Closed,Yes,Yes,CR0061695,2588
2012-04-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-04-23,Closed without relief,No,No,CR0061726,9798
2012-04-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-04-23,Closed with relief,Yes,No,CR0062622,2879
2012-04-23,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,,N/A,Phone,2012-04-25,Closed without relief,Yes,No,CR0063364,3031
2012-04-24,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2012-04-25,Closed without relief,Yes,No,CR0064293,1852
2012-04-25,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2012-04-30,Closed with relief,Yes,No,CR0064419,1476
2012-04-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-04-25,Closed with relief,Yes,Yes,CR0064558,4972
2012-04-25,Credit card,,Credit reporting,,,,N/A,Phone,2012-04-27,Closed without relief,Yes,No,CR0065086,3901
2012-04-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-04-27,Closed with relief,Yes,No,CR0065104,11275
2012-04-25,Credit card,,Unsolicited issuance of credit card,,,,N/A,Phone,2012-04-26,Closed with relief,Yes,No,CR0065447,2944
2012-04-26,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Phone,2012-04-30,Closed without relief,Yes,No,CR0065649,13694
2012-04-26,Credit card,,Other fee,,,Older American,N/A,Phone,2012-04-30,Closed without relief,Yes,No,CR0066181,1690
2012-04-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-04-30,Closed without relief,Yes,No,CR0066525,1669
2012-04-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2012-04-30,Closed without relief,Yes,No,CR0066588,508
2012-04-27,Credit card,,Billing disputes,,,,N/A,Phone,2012-04-30,Closed with monetary relief,Yes,No,CR0066702,4593
2012-04-27,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-04-30,Closed with explanation,Yes,No,CR0066942,2873
2012-04-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-05-01,Closed without relief,Yes,No,CR0067618,935
2012-04-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-05-01,Closed with relief,Yes,No,CR0067650,1733
2012-04-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-05-07,Closed with relief,Yes,No,CR0067856,3456
2012-04-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-05-02,Closed with relief,Yes,Yes,CR0068083,749
2012-05-01,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Phone,2012-05-08,Closed with explanation,Yes,No,CR0068403,6422
2012-05-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-05-02,Closed with relief,Yes,No,CR0068499,2420
2012-05-01,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Phone,2012-05-03,Closed with explanation,No,,CR0068641,4784
2012-05-01,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2012-05-03,Closed without relief,Yes,Yes,CR0068676,3470
2012-05-02,Credit card,,Credit card protection / Debt protection,,,Servicemember,N/A,Phone,2012-05-03,Closed without relief,Yes,Yes,CR0069197,1453
2012-05-02,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-05-03,Closed with explanation,No,Yes,CR0069276,5462
2012-05-03,Credit card,,Credit card protection / Debt protection,,,"Older American, Servicemember",N/A,Phone,2012-05-04,Closed without relief,Yes,No,CR0070689,4143
2012-05-04,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2012-05-08,Closed with relief,Yes,Yes,CR0071359,2185
2012-05-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-05-07,Closed without relief,Yes,No,CR0071399,3558
2012-05-07,Credit card,,Credit line increase/decrease,,,,N/A,Phone,2012-05-08,Closed with relief,No,No,CR0072165,1083
2012-05-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-05-10,Closed without relief,Yes,No,CR0072299,29
2012-05-07,Credit card,,Forbearance / Workout plans,,,,N/A,Phone,2012-05-10,Closed with relief,Yes,No,CR0072457,504
2012-05-07,Credit card,,Collection debt dispute,,,Older American,N/A,Phone,2012-05-11,Closed with monetary relief,No,No,CR0072500,3596
2012-05-07,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2012-05-09,Closed with relief,Yes,No,CR0072526,3494
2012-05-08,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-05-10,Closed with relief,Yes,No,CR0073167,10702
2012-05-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-05-10,Closed without relief,Yes,No,CR0073198,365
2012-05-08,Credit card,,Closing/Cancelling account,,,"Older American, Servicemember",N/A,Phone,2012-05-16,Closed without relief,Yes,No,CR0073396,2181
2012-05-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-05-14,Closed with relief,Yes,No,CR0074020,4369
2012-05-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-05-10,Closed with relief,Yes,No,CR0074493,391
2012-05-10,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-05-14,Closed without relief,Yes,No,CR0074833,4133
2012-05-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-05-11,Closed without relief,Yes,No,CR0074942,2417
2012-05-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-05-11,Closed with relief,Yes,No,CR0074997,628
2012-05-11,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-05-17,Closed with explanation,No,Yes,CR0075611,651
2012-05-11,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2012-05-15,Closed without relief,Yes,Yes,CR0075762,1090
2012-05-11,Credit card,,Credit card protection / Debt protection,,,,N/A,Phone,2012-05-14,Closed without relief,Yes,Yes,CR0076747,4772
2012-05-14,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-05-14,Closed with relief,Yes,No,CR0076947,3399
2012-05-14,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2012-05-14,Closed without relief,Yes,Yes,CR0077092,215
2012-05-15,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2012-05-17,Closed without relief,Yes,No,CR0078456,3406
2012-05-15,Credit card,,APR or interest rate,,,,N/A,Phone,2012-05-18,Closed without relief,Yes,Yes,CR0078576,1723
2012-05-16,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2012-05-18,Closed without relief,Yes,No,CR0080129,2736
2012-05-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2012-05-18,Closed with relief,Yes,No,CR0082728,11331
2012-05-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2012-05-25,Closed with monetary relief,No,No,CR0083534,2427
2012-05-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2012-05-22,Closed with explanation,Yes,Yes,CR0083830,19
2012-05-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-05-21,Closed without relief,Yes,No,CR0084018,2731
2012-05-18,Credit card,,Sale of account,,,,N/A,Phone,2012-05-24,Closed with non-monetary relief,Yes,Yes,CR0084101,1810
2012-05-21,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Phone,2012-05-23,Closed with explanation,Yes,Yes,CR0086445,9664
2012-05-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-05-30,Closed with explanation,No,No,CR0086919,4170
2012-05-24,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Phone,2012-05-25,Closed with monetary relief,Yes,Yes,CR0086940,3439
2012-05-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-05-25,Closed with non-monetary relief,Yes,No,CR0086947,1494
2012-05-24,Credit card,,APR or interest rate,,,,N/A,Phone,2012-05-24,Closed with monetary relief,No,No,CR0087015,3297
2012-05-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-05-30,Closed with explanation,No,No,CR0087017,1768
2012-05-24,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2012-05-24,Closed with non-monetary relief,Yes,No,CR0087019,4657
2012-05-25,Credit card,,Payoff process,,,,N/A,Phone,2012-05-29,Closed with non-monetary relief,Yes,Yes,CR0087641,2981
2012-05-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-05-31,Closed with explanation,Yes,Yes,CR0087694,266
2012-05-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-05-31,Closed with monetary relief,Yes,No,CR0087706,290
2012-05-29,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Phone,2012-06-05,Closed with explanation,Yes,No,CR0088177,1989
2012-05-30,Credit card,,Billing disputes,,,,N/A,Phone,2012-06-02,Closed with monetary relief,Yes,No,CR0089038,11004
2012-05-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-06-01,Closed with non-monetary relief,No,,CR0089274,10564
2012-05-30,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-05-31,Closed with monetary relief,No,No,CR0089277,2102
2012-05-30,Credit card,,Billing disputes,,,,N/A,Phone,2012-06-04,Closed with monetary relief,Yes,No,CR0089291,670
2012-05-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-06-05,Closed with monetary relief,Yes,No,CR0090068,11126
2012-06-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-06-08,Closed with explanation,Yes,No,CR0091484,2989
2012-06-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-06-05,Closed with explanation,Yes,Yes,CR0091583,1644
2012-06-01,Credit card,,Billing disputes,,,,N/A,Phone,2012-06-04,Closed with non-monetary relief,Yes,No,CR0091700,2400
2012-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-06-11,Closed with explanation,Yes,Yes,CR0093117,3248
2012-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-06-11,Closed with explanation,Yes,Yes,CR0093118,2063
2012-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-06-05,Closed with explanation,Yes,Yes,CR0093149,3143
2012-06-04,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2012-06-05,Closed with non-monetary relief,Yes,No,CR0093671,1587
2012-06-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-06-11,Closed with explanation,Yes,No,CR0094780,4681
2012-06-05,Credit card,,Forbearance / Workout plans,,,,N/A,Phone,2012-06-19,Closed with explanation,Yes,Yes,CR0094894,1509
2012-06-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-06-07,Closed with monetary relief,Yes,No,CR0094929,605
2012-06-05,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Phone,2012-06-15,Closed with explanation,Yes,No,CR0095162,1745
2012-06-06,Credit card,,Billing disputes,,,,N/A,Phone,2012-06-13,Closed with non-monetary relief,Yes,No,CR0095894,2111
2012-06-06,Credit card,,Billing disputes,,,"Older American, Servicemember",N/A,Phone,2012-06-15,Closed with non-monetary relief,Yes,Yes,CR0096101,45
2012-06-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-06-12,Closed,Yes,Yes,CR0097365,877
2012-06-07,Credit card,,Credit line increase/decrease,,,,N/A,Phone,2012-06-15,Closed with non-monetary relief,Yes,Yes,CR0097384,3972
2012-06-07,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2012-06-13,Closed with explanation,Yes,No,CR0097403,3160
2012-06-07,Credit card,,Collection practices,,,,N/A,Phone,2012-06-18,Closed with explanation,No,,CR0097425,1579
2012-06-08,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2012-06-13,Closed with non-monetary relief,Yes,Yes,CR0097589,428
2012-06-11,Credit card,,APR or interest rate,,,Older American,N/A,Phone,2012-06-15,Closed with non-monetary relief,Yes,No,CR0099278,1016
2012-06-12,Credit card,,Credit reporting,,,,N/A,Phone,2012-06-18,Closed with explanation,Yes,Yes,CR0099832,2402
2012-06-12,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2012-06-21,Closed with monetary relief,Yes,No,CR0100039,4763
2012-06-13,Credit card,,Credit reporting,,,,N/A,Phone,2012-06-18,Closed with non-monetary relief,Yes,No,CR0100564,4171
2012-06-13,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2012-06-18,Closed with monetary relief,Yes,No,CR0100600,4785
2012-06-13,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2012-06-14,Closed with explanation,Yes,No,CR0100692,11867
2012-06-13,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2012-06-22,Closed with explanation,Yes,Yes,CR0100791,1699
2012-06-14,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2012-06-25,Closed with explanation,Yes,No,CR0101678,1339
2012-06-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-06-26,Closed with explanation,Yes,No,CR0103401,3549
2012-06-18,Credit card,,Billing disputes,,,,N/A,Phone,2012-06-25,Closed with explanation,Yes,No,CR0103599,1480
2012-06-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-06-25,Closed with explanation,Yes,No,CR0104468,2241
2012-06-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-06-25,Closed with monetary relief,Yes,No,CR0104543,1696
2012-06-19,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2012-06-26,Closed with explanation,Yes,Yes,CR0104698,966
2012-06-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-06-28,Closed with explanation,Yes,No,CR0104814,7772
2012-06-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-06-22,Closed with explanation,Yes,No,CR0105052,1071
2012-06-21,Credit card,,Billing disputes,,,,N/A,Phone,2012-06-27,Closed with non-monetary relief,Yes,No,CR0105310,316
2012-06-21,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2012-06-22,Closed with explanation,Yes,Yes,CR0106233,4418
2012-06-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-06-28,Closed with explanation,Yes,No,CR0106846,4284
2012-06-25,Credit card,,Credit reporting,,,,N/A,Phone,2012-06-28,Closed with explanation,No,,CR0107607,847
2012-06-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-06-29,Closed with monetary relief,Yes,No,CR0107624,13290
2012-06-25,Credit card,,Billing disputes,,,,N/A,Phone,2012-06-27,Closed with explanation,Yes,Yes,CR0107626,125
2012-06-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-06-28,Closed with monetary relief,Yes,No,CR0107657,5249
2012-06-25,Credit card,,Late fee,,,,N/A,Phone,2012-06-29,Closed with non-monetary relief,Yes,No,CR0107701,4655
2012-06-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2012-06-28,Closed with non-monetary relief,Yes,No,CR0107862,2222
2012-06-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-06-28,Closed with explanation,Yes,No,CR0107865,1237
2012-06-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-06-27,Closed with non-monetary relief,Yes,No,CR0108560,3662
2012-06-27,Credit card,,Billing disputes,,,,N/A,Phone,2012-06-28,Closed with monetary relief,Yes,No,CR0109085,5826
2012-06-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2012-06-28,Closed with non-monetary relief,Yes,No,CR0109092,1194
2012-06-27,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Phone,2012-06-29,Closed with explanation,Yes,No,CR0109143,4175
2012-06-27,Credit card,,Identity theft / Fraud / Embezzlement,,,"Older American, Servicemember",N/A,Phone,2012-07-05,Closed with explanation,Yes,Yes,CR0109157,3987
2012-06-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-06-29,Closed with explanation,Yes,No,CR0109231,3090
2012-06-29,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-07-12,Closed with monetary relief,Yes,No,CR0110596,6804
2012-07-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-07-05,Closed with explanation,Yes,No,CR0111206,5397
2012-07-02,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,N/A,Phone,2012-07-05,Closed with explanation,Yes,No,CR0111296,127
2012-07-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-07-06,Closed with monetary relief,Yes,No,CR0111477,6114
2012-07-03,Credit card,,Late fee,,,Servicemember,N/A,Phone,2012-07-06,Closed with explanation,Yes,Yes,CR0111846,6366
2012-07-03,Credit card,,Late fee,,,Older American,N/A,Phone,2012-07-06,Closed with explanation,Yes,Yes,CR0111854,2846
2012-07-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-07-06,Closed with monetary relief,Yes,Yes,CR0111922,4253
2012-07-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2012-07-06,Closed with explanation,Yes,Yes,CR0111947,1792
2012-07-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-07-10,Closed with explanation,Yes,No,CR0111950,723
2012-07-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-07-06,Closed with monetary relief,Yes,No,CR0112461,851
2012-07-05,Credit card,,Billing disputes,,,Servicemember,N/A,Phone,2012-07-09,Closed with explanation,Yes,No,CR0112580,4476
2012-07-05,Credit card,,Billing disputes,,,,N/A,Phone,2012-07-09,Closed with non-monetary relief,Yes,Yes,CR0112630,8064
2012-07-05,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2012-07-09,Closed with explanation,Yes,No,CR0112657,2825
2012-07-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2012-07-11,Closed with explanation,Yes,No,CR0113145,222
2012-07-06,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-07-10,Closed with explanation,Yes,No,CR0113175,3121
2012-07-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-07-12,Closed with explanation,Yes,Yes,CR0113235,4425
2012-07-06,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2012-07-11,Closed with explanation,Yes,No,CR0113293,1514
2012-07-09,Credit card,,Billing disputes,,,,N/A,Phone,2012-07-11,Closed with non-monetary relief,Yes,No,CR0114146,2915
2012-07-09,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2012-07-10,Closed with explanation,Yes,Yes,CR0114173,909
2012-07-09,Credit card,,Credit line increase/decrease,,,,N/A,Phone,2012-07-12,Closed with explanation,Yes,No,CR0114290,3808
2012-07-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2012-07-12,Closed with explanation,Yes,No,CR0114381,4181
2012-07-10,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2012-07-12,Closed with explanation,Yes,No,CR0114508,1910
2012-07-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-07-12,Closed with explanation,Yes,No,CR0114555,11319
2012-07-10,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,,N/A,Phone,2012-07-12,Closed with explanation,Yes,No,CR0114574,11147
2012-07-09,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2012-07-12,Closed with explanation,Yes,No,CR0115029,3852
2012-07-11,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Phone,2012-07-12,Closed with monetary relief,Yes,No,CR0115762,2195
2012-07-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-07-17,Closed with explanation,Yes,Yes,CR0115769,4701
2012-07-11,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2012-07-17,Closed with explanation,Yes,No,CR0115843,12079
2012-07-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-07-13,Closed with explanation,Yes,No,CR0115862,4466
2012-07-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-07-26,Closed with explanation,Yes,No,CR0115917,10563
2012-07-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-07-16,Closed with explanation,Yes,No,CR0115920,2919
2012-07-12,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2012-07-13,Closed with explanation,Yes,No,CR0116361,94
2012-07-12,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2012-10-26,Closed with explanation,Yes,No,CR0116636,2041
2012-07-13,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-08-01,Closed with explanation,Yes,Yes,CR0117408,8678
2012-07-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2012-07-17,Closed with explanation,Yes,No,CR0117435,4393
2012-07-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-07-17,Closed with explanation,Yes,No,CR0118068,1195
2012-07-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-07-17,Closed with explanation,Yes,Yes,CR0118237,2589
2012-07-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-07-17,Closed with explanation,Yes,Yes,CR0118248,1164
2012-07-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-07-17,Closed with explanation,Yes,No,CR0118388,3535
2012-07-16,Credit card,,Collection debt dispute,,,,N/A,Phone,2012-07-17,Closed with explanation,Yes,No,CR0118775,2907
2012-07-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-07-19,Closed with explanation,Yes,No,CR0119828,2990
2012-07-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-07-20,Closed with explanation,Yes,No,CR0119900,5275
2012-07-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-07-25,Closed with explanation,No,,CR0119921,698
2012-07-18,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Phone,2012-07-19,Closed with explanation,Yes,No,CR0120143,6803
2012-07-18,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2012-07-26,Closed with monetary relief,Yes,No,CR0120482,1232
2012-07-19,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2012-07-20,Closed with explanation,Yes,No,CR0120508,1332
2012-07-19,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-07-24,Closed with explanation,Yes,No,CR0120770,5223
2012-07-20,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2012-07-23,Closed with explanation,Yes,No,CR0121503,1831
2012-07-20,Bank account or service,Checking account,Problems caused by my funds being low,,,"Older American, Servicemember",N/A,Phone,2012-07-24,Closed with explanation,Yes,No,CR0121559,1641
2012-07-20,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2012-07-24,Closed with monetary relief,Yes,No,CR0121603,13469
2012-07-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2012-07-26,Closed with explanation,Yes,Yes,CR0121959,4131
2012-07-23,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-07-24,Closed with monetary relief,Yes,No,CR0122461,5224
2012-07-23,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2012-07-24,Closed with explanation,Yes,No,CR0122557,4604
2012-07-24,Credit card,,Collection practices,,,Older American,N/A,Phone,2012-07-25,Closed with non-monetary relief,Yes,No,CR0123461,3973
2012-07-24,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2012-07-25,Closed with explanation,Yes,No,CR0123485,11768
2012-07-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-07-25,Closed with explanation,Yes,No,CR0123486,1029
2012-07-24,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2012-07-26,Closed with non-monetary relief,Yes,No,CR0123518,4126
2012-07-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2012-07-27,Closed with explanation,Yes,No,CR0124141,2599
2012-07-25,Credit card,,Sale of account,,,,N/A,Phone,2012-07-30,Closed with explanation,No,Yes,CR0124197,4571
2012-07-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2012-07-26,Closed with explanation,Yes,No,CR0124297,13590
2012-07-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-11-23,Closed with explanation,Yes,No,CR0124395,2493
2012-07-27,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2012-07-31,Closed with explanation,Yes,Yes,CR0125971,12568
2012-07-30,Credit card,,APR or interest rate,,,,N/A,Phone,2012-08-01,Closed with non-monetary relief,Yes,No,CR0126517,203
2012-07-30,Credit card,,Collection debt dispute,,,,N/A,Phone,2012-08-15,Closed with explanation,Yes,No,CR0126639,3346
2012-07-31,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-08-08,Closed with explanation,Yes,No,CR0127308,1507
2012-07-31,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2012-08-08,Closed with non-monetary relief,Yes,No,CR0127313,5236
2012-07-31,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Servicemember,N/A,Phone,2012-08-01,Closed with explanation,Yes,No,CR0127429,4464
2012-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-08-02,Closed with explanation,Yes,Yes,CR0127510,12643
2012-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-08-03,Closed with explanation,Yes,No,CR0127624,2663
2012-08-03,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2012-08-07,Closed with non-monetary relief,Yes,No,CR0129473,7787
2012-08-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-08-07,Closed with monetary relief,Yes,No,CR0130343,5413
2012-08-06,Credit card,,Billing disputes,,,,N/A,Phone,2012-08-13,Closed with explanation,Yes,No,CR0130517,518
2012-08-06,Credit card,,Payoff process,,,Older American,N/A,Phone,2012-08-13,Closed with non-monetary relief,Yes,No,CR0130530,545
2012-08-06,Credit card,,Credit determination,,,,N/A,Phone,2012-08-07,Closed with non-monetary relief,Yes,Yes,CR0130678,4078
2012-08-07,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2012-08-08,Closed with explanation,Yes,Yes,CR0131697,693
2012-08-07,Credit card,,Other,,,Servicemember,N/A,Phone,2012-08-08,Closed with explanation,Yes,No,CR0131711,4196
2012-08-07,Credit card,,Billing disputes,,,,N/A,Phone,2012-08-08,Closed with explanation,Yes,No,CR0131741,2447
2012-08-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2012-08-09,Closed with explanation,Yes,No,CR0131985,1107
2012-08-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2012-08-09,Closed with explanation,Yes,Yes,CR0132058,1946
2012-08-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-08-09,Closed with non-monetary relief,Yes,Yes,CR0133045,9641
2012-08-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-08-10,Closed with explanation,Yes,No,CR0133150,1668
2012-08-10,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2012-08-10,Closed with monetary relief,Yes,No,CR0133403,241
2012-08-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-08-16,Closed with monetary relief,Yes,No,CR0133902,1164
2012-08-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-08-13,Closed with explanation,Yes,No,CR0134018,1868
2012-08-13,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Phone,2012-08-16,Closed with explanation,No,No,CR0134802,1895
2012-08-13,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2012-08-31,Closed,Yes,Yes,CR0134910,4232
2012-08-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-08-15,Closed with explanation,Yes,No,CR0134919,783
2012-08-14,Credit card,,Rewards,,,Older American,N/A,Phone,2012-08-19,Closed with monetary relief,Yes,No,CR0135472,1875
2012-08-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2012-08-16,Closed with explanation,Yes,No,CR0136292,3508
2012-08-16,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-08-21,Closed with explanation,Yes,Yes,CR0137080,239
2012-08-17,Credit card,,Rewards,,,,N/A,Phone,2012-08-20,Closed with explanation,Yes,No,CR0137755,1154
2012-08-17,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2012-08-21,Closed with explanation,Yes,No,CR0137786,2836
2012-08-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2012-08-20,Closed with explanation,Yes,Yes,CR0138210,5312
2012-08-20,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2012-08-21,Closed with monetary relief,Yes,No,CR0138425,4041
2012-08-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2012-08-24,Closed with explanation,Yes,No,CR0138531,3103
2012-08-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-08-22,Closed with explanation,Yes,No,CR0139234,4281
2012-08-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-08-21,Closed with explanation,Yes,No,CR0139281,4044
2012-08-22,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2012-08-22,Closed with explanation,Yes,No,CR0139572,1836
2012-08-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2012-08-22,Closed with explanation,Yes,No,CR0139999,3314
2012-08-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-08-23,Closed with non-monetary relief,Yes,No,CR0140026,3935
2012-08-22,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-08-23,Closed with explanation,Yes,No,CR0140148,3790
2012-08-23,Credit card,,Forbearance / Workout plans,,,,N/A,Phone,2012-10-18,Closed,Yes,Yes,CR0140839,10041
2012-08-23,Credit card,,Forbearance / Workout plans,,,,N/A,Phone,2012-10-18,Closed,Yes,Yes,CR0140840,1159
2012-08-24,Credit card,,Billing disputes,,,,N/A,Phone,2012-08-27,Closed with explanation,Yes,Yes,CR0141641,5775
2012-08-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-08-28,Closed with explanation,Yes,Yes,CR0141797,3947
2012-08-27,Credit card,,APR or interest rate,,,,N/A,Phone,2012-08-28,Closed with non-monetary relief,Yes,Yes,CR0142319,2699
2012-08-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-11-02,Closed with explanation,Yes,No,CR0142431,2212
2012-08-28,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2012-08-29,Closed with explanation,Yes,No,CR0143429,4091
2012-08-29,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2012-08-29,Closed with explanation,Yes,No,CR0143576,837
2012-08-29,Credit card,,Rewards,,,Older American,N/A,Phone,2012-08-30,Closed with monetary relief,Yes,No,CR0143599,9997
2012-08-29,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2012-08-29,Closed with explanation,Yes,Yes,CR0143609,2747
2012-08-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-08-30,Closed with monetary relief,Yes,No,CR0144463,2336
2012-08-30,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2012-08-31,Closed with explanation,Yes,No,CR0144470,3882
2012-08-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-09-05,Closed with explanation,Yes,No,CR0144994,2610
2012-09-04,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Phone,2012-09-04,Closed with explanation,Yes,Yes,CR0146152,2758
2012-09-05,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Phone,2012-09-06,Closed,Yes,No,CR0147012,2045
2012-09-06,Credit card,,Closing/Cancelling account,,,Older American,N/A,Phone,2012-09-07,Closed with explanation,Yes,No,CR0147901,4877
2012-09-07,Credit card,,Billing disputes,,,Older American,N/A,Phone,2012-09-10,Closed with monetary relief,Yes,No,CR0148072,3414
2012-09-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-09-10,Closed with explanation,Yes,No,CR0148569,732
2012-09-07,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Phone,2012-12-04,Closed with explanation,Yes,No,CR0148752,2361
2012-09-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-09-10,Closed with explanation,Yes,No,CR0149018,21
2012-09-10,Credit card,,APR or interest rate,,,"Older American, Servicemember",N/A,Phone,2012-09-11,Closed with explanation,Yes,No,CR0149645,5399
2012-09-10,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2012-09-12,Closed with explanation,Yes,No,CR0149828,3243
2012-09-10,Credit card,,Other,,,,N/A,Phone,2012-09-12,Closed with explanation,Yes,No,CR0149843,1175
2012-09-11,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Phone,2012-09-12,Closed with monetary relief,Yes,No,CR0150682,3835
2012-09-11,Credit card,,Advertising and marketing,,,Older American,N/A,Phone,2012-09-12,Closed with explanation,Yes,No,CR0150686,208
2012-09-12,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2012-09-13,Closed with explanation,Yes,No,CR0151607,633
2012-09-13,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2012-09-13,Closed with explanation,Yes,Yes,CR0152223,1931
2012-09-13,Credit card,,Sale of account,,,,N/A,Phone,2012-09-14,Closed with explanation,Yes,No,CR0152355,5760
2012-09-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2012-09-19,Closed with explanation,Yes,Yes,CR0152362,6
2012-09-17,Credit card,,Customer service / Customer relations,,,Older American,N/A,Phone,2012-09-17,Closed with monetary relief,Yes,No,CR0152612,2008
2012-09-17,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2012-09-18,Closed with explanation,Yes,Yes,CR0154220,4342
2012-09-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-09-18,Closed with explanation,Yes,Yes,CR0154221,474
2012-09-18,Credit card,,Billing disputes,,,,N/A,Phone,2012-09-18,Closed with explanation,Yes,No,CR0154483,1446
2012-09-20,Credit card,,Advertising and marketing,,,,N/A,Phone,2012-09-24,Closed with monetary relief,Yes,No,CR0156773,5240
2012-09-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-09-25,Closed with explanation,Yes,No,CR0156790,2370
2012-09-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-09-21,Closed with monetary relief,Yes,No,CR0157469,2528
2012-09-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2012-11-27,Closed with explanation,Yes,No,CR0157478,1384
2012-09-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-09-24,Closed with explanation,Yes,Yes,CR0157628,866
2012-09-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-09-25,Closed with explanation,Yes,No,CR0158615,4925
2012-09-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2012-09-25,Closed with explanation,Yes,No,CR0159639,932
2012-09-25,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Phone,2012-09-25,Closed with explanation,Yes,No,CR0159642,3420
2012-09-25,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2012-09-25,Closed with explanation,Yes,No,CR0159731,7914
2012-09-25,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-09-25,Closed with monetary relief,Yes,No,CR0159747,620
2012-09-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-09-26,Closed with explanation,Yes,Yes,CR0159769,3016
2012-09-25,Credit card,,Billing disputes,,,Older American,N/A,Phone,2012-09-26,Closed with explanation,Yes,No,CR0159794,2610
2012-09-25,Credit card,,APR or interest rate,,,,N/A,Phone,2012-09-26,Closed with explanation,Yes,No,CR0159804,1114
2012-09-26,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-09-27,Closed with non-monetary relief,Yes,Yes,CR0160064,4680
2012-09-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-09-26,Closed with explanation,Yes,No,CR0160131,346
2012-09-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2012-09-27,Closed with explanation,Yes,No,CR0160165,9755
2012-09-26,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-09-27,Closed with monetary relief,Yes,No,CR0160214,2193
2012-09-27,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-09-27,Closed with explanation,Yes,Yes,CR0161108,2615
2012-09-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-09-28,Closed with non-monetary relief,Yes,Yes,CR0161208,5030
2012-09-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-10-01,Closed with monetary relief,Yes,Yes,CR0163898,5145
2012-10-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-10-01,Closed with explanation,Yes,No,CR0164186,441
2012-10-01,Credit card,,Billing disputes,,,,N/A,Phone,2012-10-02,Closed with non-monetary relief,Yes,No,CR0164402,4376
2012-10-01,Credit card,,Credit reporting,,,,N/A,Phone,2012-10-02,Closed with explanation,Yes,No,CR0164444,12490
2012-10-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2012-10-02,Closed with explanation,Yes,Yes,CR0164686,2278
2012-10-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-10-03,Closed with monetary relief,Yes,No,CR0164804,3331
2012-10-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-10-04,Closed with monetary relief,Yes,No,CR0165148,2132
2012-10-03,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2012-10-04,Closed with non-monetary relief,Yes,No,CR0165176,4217
2012-10-04,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2012-10-09,Closed with monetary relief,Yes,No,CR0165975,3936
2012-10-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-10-05,Closed with explanation,Yes,No,CR0166697,5433
2012-10-05,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2012-10-10,Closed with explanation,Yes,No,CR0166953,9670
2012-10-09,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-10-10,Closed with explanation,Yes,No,CR0167801,1575
2012-10-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-10-12,Closed with monetary relief,Yes,No,CR0168737,1751
2012-10-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-10-12,Closed with explanation,Yes,No,CR0168804,4671
2012-10-11,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2012-10-12,Closed with monetary relief,Yes,No,CR0169503,3346
2012-10-11,Credit card,,Unsolicited issuance of credit card,,,,N/A,Phone,2012-10-12,Closed with explanation,Yes,No,CR0169544,1221
2012-10-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-10-16,Closed with explanation,Yes,No,CR0169556,4766
2012-10-12,Credit card,,Unsolicited issuance of credit card,,,,N/A,Phone,2012-10-15,Closed with explanation,Yes,No,CR0169997,2345
2012-10-15,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-10-15,Closed with monetary relief,Yes,Yes,CR0171475,3603
2012-10-15,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2012-10-16,Closed with explanation,Yes,No,CR0171605,11685
2012-10-15,Credit card,,APR or interest rate,,,Older American,N/A,Phone,2012-10-16,Closed with monetary relief,Yes,No,CR0171646,10282
2012-10-15,Credit card,,Delinquent account,,,,N/A,Phone,2012-10-16,Closed with non-monetary relief,Yes,No,CR0171701,733
2012-10-17,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2012-10-19,Closed with explanation,Yes,No,CR0173046,4400
2012-10-17,Credit card,,Rewards,,,,N/A,Phone,2012-10-23,Closed with explanation,Yes,Yes,CR0173216,202
2012-10-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-10-19,Closed with monetary relief,Yes,No,CR0173954,3787
2012-10-18,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2012-10-22,Closed with explanation,Yes,No,CR0173994,22
2012-10-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-10-19,Closed,Yes,No,CR0174071,2976
2012-10-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-10-22,Closed with monetary relief,Yes,No,CR0174872,2938
2012-10-19,Credit card,,Billing disputes,,,,N/A,Phone,2012-10-22,Closed with non-monetary relief,Yes,No,CR0174893,480
2012-10-22,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-10-24,Closed with monetary relief,Yes,No,CR0175743,3479
2012-10-22,Credit card,,Unsolicited issuance of credit card,,,,N/A,Phone,2012-10-24,Closed with explanation,Yes,No,CR0175989,3948
2012-10-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-10-24,Closed with non-monetary relief,Yes,Yes,CR0176128,1726
2012-10-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-10-23,Closed with explanation,Yes,No,CR0176536,3539
2012-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2012-10-23,Closed with explanation,Yes,No,CR0176727,3897
2012-10-23,Credit card,,Other,,,,N/A,Phone,2012-10-24,Closed with explanation,Yes,No,CR0176761,4233
2012-10-23,Credit card,,Collection debt dispute,,,,N/A,Phone,2012-10-24,Closed with explanation,Yes,No,CR0176763,2403
2012-10-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-10-24,Closed with non-monetary relief,Yes,No,CR0176837,2005
2012-10-23,Credit card,,Credit reporting,,,Servicemember,N/A,Phone,2012-10-24,Closed with explanation,Yes,No,CR0176863,2918
2012-10-23,Credit card,,Billing disputes,,,,N/A,Phone,2012-10-24,Closed with explanation,Yes,No,CR0176958,4975
2012-10-24,Credit card,,Billing disputes,,,,N/A,Phone,2012-10-26,Closed with non-monetary relief,Yes,No,CR0177128,3280
2012-10-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-10-25,Closed with explanation,Yes,No,CR0177646,2880
2012-10-25,Credit card,,Credit line increase/decrease,,,Servicemember,N/A,Phone,2012-10-26,Closed with explanation,Yes,No,CR0178333,3836
2012-10-25,Credit card,,Credit line increase/decrease,,,Servicemember,N/A,Phone,2012-10-26,Closed with explanation,Yes,No,CR0178334,2945
2012-10-25,Credit card,,Collection practices,,,Older American,N/A,Phone,2012-10-26,Closed with explanation,Yes,No,CR0178381,523
2012-10-25,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-10-26,Closed with non-monetary relief,Yes,No,CR0178499,2758
2012-10-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2012-10-30,Closed with explanation,No,,CR0178659,5013
2012-10-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2012-10-30,Closed with explanation,Yes,No,CR0178709,2915
2012-10-26,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-10-30,Closed with non-monetary relief,Yes,No,CR0178970,3953
2012-10-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-11-01,Closed with monetary relief,Yes,No,CR0179612,9231
2012-10-29,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-10-31,Closed with non-monetary relief,Yes,No,CR0179970,6391
2012-10-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-10-30,Closed with explanation,Yes,Yes,CR0180677,2379
2012-10-31,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2012-11-02,Closed with explanation,Yes,No,CR0182369,3161
2012-11-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-11-02,Closed with monetary relief,Yes,No,CR0183496,1760
2012-11-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2012-11-07,Closed with explanation,Yes,No,CR0185313,7234
2012-11-06,Credit card,,Credit reporting,,,,N/A,Phone,2012-11-07,Closed with explanation,Yes,No,CR0185399,4481
2012-11-07,Credit card,,Credit reporting,,,,N/A,Phone,2012-11-08,Closed with explanation,Yes,Yes,CR0185720,642
2012-11-08,Credit card,,Billing disputes,,,Older American,N/A,Phone,2012-11-09,Closed with explanation,Yes,No,CR0187836,2310
2012-11-09,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2012-11-13,Closed with explanation,Yes,Yes,CR0188021,2159
2012-11-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-11-13,Closed with explanation,Yes,No,CR0188029,4240
2012-11-13,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-11-14,Closed with monetary relief,Yes,No,CR0189540,1970
2012-11-13,Bank account or service,Savings account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2012-11-14,Closed with explanation,Yes,No,CR0189774,2371
2012-11-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-11-19,Closed with monetary relief,Yes,No,CR0191674,513
2012-11-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-11-20,Closed with non-monetary relief,Yes,No,CR0192009,4493
2012-11-16,Credit card,,Payoff process,,,,N/A,Phone,2012-11-20,Closed with explanation,Yes,No,CR0192205,1419
2012-11-19,Credit card,,APR or interest rate,,,Older American,N/A,Phone,2012-11-26,Closed with explanation,Yes,Yes,CR0193987,1596
2012-11-20,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-11-28,Closed with explanation,Yes,No,CR0195061,1431
2012-11-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-11-27,Closed with monetary relief,Yes,No,CR0195422,2312
2012-11-26,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-11-27,Closed with monetary relief,Yes,No,CR0197327,2534
2012-11-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-11-27,Closed with explanation,Yes,No,CR0197448,5128
2012-11-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-11-27,Closed with explanation,Yes,No,CR0197634,3952
2012-11-27,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Phone,2012-11-29,Closed with explanation,Yes,No,CR0198557,2481
2012-11-28,Credit card,,Advertising and marketing,,,,N/A,Phone,2012-11-29,Closed with non-monetary relief,Yes,No,CR0199388,310
2012-11-29,Credit card,,Other fee,,,Servicemember,N/A,Phone,2012-11-30,Closed with explanation,Yes,No,CR0200342,4590
2012-11-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-12-04,Closed with explanation,Yes,No,CR0200614,1314
2012-11-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-12-04,Closed with monetary relief,Yes,No,CR0201046,1111
2012-11-30,Credit card,,Billing disputes,,,,N/A,Phone,2012-12-19,Closed with explanation,Yes,Yes,CR0201569,10209
2012-12-03,Credit card,,APR or interest rate,,,,N/A,Phone,2012-12-04,Closed with monetary relief,Yes,No,CR0202266,4717
2012-12-03,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Phone,2012-12-04,Closed with explanation,Yes,No,CR0202388,2810
2012-12-04,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2012-12-06,Closed with explanation,Yes,No,CR0202539,4217
2012-12-05,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2012-12-06,Closed with explanation,Yes,No,CR0202787,785
2012-12-04,Credit card,,Other,,,Older American,N/A,Phone,2012-12-05,Closed with explanation,Yes,No,CR0203040,3818
2012-12-07,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2012-12-11,Closed with explanation,Yes,No,CR0204762,990
2012-12-06,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2012-12-07,Closed with explanation,Yes,No,CR0204864,2657
2012-12-06,Credit card,,Other,,,,N/A,Phone,2012-12-07,Closed with explanation,Yes,No,CR0205149,4506
2012-12-10,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2012-12-10,Closed with explanation,Yes,Yes,CR0205671,291
2012-12-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-12-10,Closed with explanation,Yes,Yes,CR0206004,827
2012-12-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-12-12,Closed with non-monetary relief,Yes,No,CR0207568,3999
2012-12-11,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2013-01-09,Closed with explanation,Yes,No,CR0207599,3629
2012-12-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2012-12-12,Closed with non-monetary relief,Yes,Yes,CR0207844,530
2012-12-11,Credit card,,Credit card protection / Debt protection,,,Servicemember,N/A,Phone,2012-12-13,Closed with explanation,No,No,CR0208122,7234
2012-12-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-12-12,Closed with non-monetary relief,Yes,Yes,CR0209251,847
2012-12-12,Credit card,,Credit reporting,,,Older American,N/A,Phone,2012-12-13,Closed with non-monetary relief,No,No,CR0209272,2430
2012-12-12,Credit card,,APR or interest rate,,,,N/A,Phone,2012-12-14,Closed with explanation,Yes,No,CR0209431,4928
2012-12-12,Credit card,,Billing disputes,,,,N/A,Phone,2012-12-19,Closed with explanation,Yes,No,CR0209499,1476
2012-12-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-12-13,Closed with monetary relief,Yes,No,CR0209536,914
2012-12-12,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-01-03,Closed with explanation,Yes,Yes,CR0209614,2616
2012-12-13,Credit card,,Billing disputes,,,,N/A,Phone,2012-12-13,Closed with explanation,No,No,CR0209767,672
2012-12-13,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2012-12-13,Closed with monetary relief,Yes,No,CR0210049,11855
2012-12-13,Credit card,,Rewards,,,,N/A,Phone,2012-12-14,Closed with explanation,No,Yes,CR0210097,1242
2012-12-12,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2012-12-13,Closed with monetary relief,Yes,No,CR0212841,2959
2012-12-19,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2012-12-19,Closed with monetary relief,Yes,No,CR0213729,3920
2012-12-19,Credit card,,Billing disputes,,,Older American,N/A,Phone,2012-12-19,Closed with explanation,Yes,No,CR0213782,1661
2012-12-19,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2012-12-20,Closed with explanation,Yes,No,CR0214044,7863
2012-12-20,Credit card,,Other,,,Servicemember,N/A,Phone,2012-12-20,Closed with explanation,Yes,No,CR0214246,10382
2012-12-20,Credit card,,Billing statement,,,Older American,N/A,Phone,2012-12-20,Closed with explanation,Yes,Yes,CR0214840,1425
2012-12-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2012-12-21,Closed with explanation,Yes,No,CR0215093,5606
2012-12-24,Credit card,,Credit card protection / Debt protection,,,,N/A,Phone,2012-12-27,Closed with explanation,Yes,No,CR0216985,342
2012-12-26,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2013-01-02,Closed with explanation,Yes,Yes,CR0217350,4776
2012-12-26,Credit card,,Rewards,,,,N/A,Phone,2012-12-29,Closed with explanation,Yes,Yes,CR0217499,1685
2012-12-26,Credit card,,APR or interest rate,,,,N/A,Phone,2012-12-30,Closed with non-monetary relief,Yes,No,CR0217612,5180
2012-12-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2012-12-31,Closed with explanation,Yes,No,CR0218168,3806
2012-12-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2012-12-29,Closed with monetary relief,Yes,No,CR0218565,3340
2012-12-28,Credit card,,Other,,,,N/A,Phone,2013-01-02,Closed with non-monetary relief,Yes,No,CR0218797,2134
2012-12-31,Credit card,,Rewards,,,,N/A,Phone,2013-01-02,Closed with explanation,Yes,No,CR0219200,1209
2013-01-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-01-02,Closed with monetary relief,Yes,No,CR0219557,734
2013-01-02,Credit card,,Credit reporting,,,,N/A,Phone,2013-01-03,Closed with explanation,Yes,Yes,CR0219606,930
2013-01-02,Credit card,,Credit reporting,,,,N/A,Phone,2013-01-03,Closed with explanation,Yes,No,CR0219773,1567
2013-01-03,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2013-01-04,Closed with explanation,Yes,No,CR0221797,338
2013-01-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-01-04,Closed with non-monetary relief,Yes,No,CR0222382,4763
2013-01-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2013-01-04,Closed with explanation,Yes,No,CR0222664,3252
2013-01-07,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-01-07,Closed with explanation,Yes,No,CR0223123,1512
2013-01-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-01-08,Closed with monetary relief,Yes,No,CR0223964,2749
2013-01-08,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2013-01-08,Closed with monetary relief,Yes,No,CR0224586,2497
2013-01-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2013-01-08,Closed with explanation,Yes,No,CR0225004,4634
2013-01-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-01-08,Closed with explanation,Yes,No,CR0225043,561
2013-01-14,Credit card,,APR or interest rate,,,Older American,N/A,Phone,2013-01-16,Closed with explanation,Yes,Yes,CR0229995,3257
2013-01-14,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2013-01-14,Closed with explanation,Yes,Yes,CR0230181,562
2013-01-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-01-14,Closed with explanation,Yes,No,CR0230849,11574
2013-01-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-01-18,Closed with explanation,Yes,No,CR0241484,2203
2013-01-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-01-18,Closed with monetary relief,Yes,No,CR0243600,2991
2013-01-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-01-18,Closed with explanation,Yes,Yes,CR0243620,1709
2013-01-18,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2013-01-22,Closed with explanation,Yes,No,CR0245003,1453
2013-01-18,Credit card,,Other,,,,N/A,Phone,2013-01-22,Closed with monetary relief,Yes,No,CR0245744,13556
2013-01-17,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2013-01-18,Closed with explanation,Yes,No,CR0245852,3992
2013-01-17,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2013-01-18,Closed with explanation,Yes,No,CR0247463,4462
2013-01-18,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2013-01-24,Closed with monetary relief,Yes,No,CR0248640,2670
2013-01-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-01-23,Closed with monetary relief,Yes,No,CR0251390,1447
2013-01-22,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2013-01-23,Closed with explanation,Yes,No,CR0252709,942
2013-01-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-01-24,Closed with monetary relief,Yes,No,CR0257098,11979
2013-01-25,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-01-25,Closed with non-monetary relief,Yes,No,CR0263718,2562
2013-01-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2013-01-25,Closed with monetary relief,Yes,No,CR0264386,313
2013-01-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-01-28,Closed with explanation,Yes,No,CR0265855,2794
2013-01-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-01-29,Closed with monetary relief,Yes,No,CR0267004,4414
2013-01-29,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Phone,2013-01-29,Closed with explanation,Yes,No,CR0271939,2702
2013-01-29,Credit card,,APR or interest rate,,,Older American,N/A,Phone,2013-01-29,Closed with non-monetary relief,Yes,No,CR0272576,1393
2013-01-29,Credit card,,Collection practices,,,,N/A,Phone,2013-01-30,Closed with explanation,Yes,No,CR0272933,2367
2013-01-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-02-01,Closed with explanation,Yes,Yes,CR0274687,2866
2013-01-30,Credit card,,Balance transfer,,,Older American,N/A,Phone,2013-01-30,Closed with explanation,Yes,No,CR0275788,663
2013-01-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-02-01,Closed with explanation,Yes,No,CR0282358,2883
2013-01-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-02-01,Closed with explanation,Yes,No,CR0282435,12092
2013-01-31,Credit card,,Delinquent account,,,,N/A,Phone,2013-02-01,Closed with explanation,Yes,No,CR0282653,489
2013-02-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-02-01,Closed with explanation,Yes,No,CR0285384,4557
2013-02-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-02-04,Closed with explanation,Yes,No,CR0286872,1
2013-02-01,Credit card,,Credit card protection / Debt protection,,,,N/A,Phone,2013-02-04,Closed with explanation,Yes,No,CR0286877,2081
2013-02-01,Credit card,,Other,,,Older American,N/A,Phone,2013-02-05,Closed with explanation,Yes,No,CR0287730,3196
2013-02-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2013-02-04,Closed with non-monetary relief,Yes,No,CR0288284,4587
2013-02-06,Credit card,,Cash advance,,,"Older American, Servicemember",N/A,Phone,2013-02-07,Closed with explanation,Yes,No,CR0291481,504
2013-02-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-02-11,Closed with explanation,Yes,No,CR0291709,4131
2013-02-06,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Phone,2013-02-06,Closed with non-monetary relief,Yes,Yes,CR0293175,3981
2013-02-04,Credit card,,Collection practices,,,,N/A,Phone,2013-02-04,Closed with explanation,Yes,No,CR0293248,1256
2013-02-04,Credit card,,APR or interest rate,,,Older American,N/A,Phone,2013-02-04,Closed with non-monetary relief,Yes,No,CR0294783,994
2013-02-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-02-08,Closed with explanation,Yes,No,CR0296695,988
2013-02-05,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-02-08,Closed with explanation,Yes,No,CR0300080,314
2013-02-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-02-11,Closed with explanation,Yes,No,CR0304801,7753
2013-02-08,Credit card,,Customer service / Customer relations,,,Older American,N/A,Phone,2013-02-10,Closed with explanation,Yes,Yes,CR0311310,655
2013-02-08,Credit card,,Billing disputes,,,,N/A,Phone,2013-02-08,Closed with explanation,Yes,Yes,CR0311729,3580
2013-02-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-02-14,Closed with explanation,Yes,No,CR0313638,1376
2013-02-12,Credit card,,Credit line increase/decrease,,,,N/A,Phone,2013-02-12,Closed with explanation,Yes,No,CR0314572,408
2013-02-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-02-12,Closed with monetary relief,Yes,No,CR0314710,12050
2013-02-12,Credit card,,Late fee,,,,N/A,Phone,2013-02-13,Closed with non-monetary relief,Yes,No,CR0315067,2037
2013-02-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-02-13,Closed with explanation,Yes,No,CR0315068,4438
2013-02-12,Credit card,,Credit reporting,,,,N/A,Phone,2013-02-13,Closed with explanation,Yes,No,CR0315131,32
2013-02-13,Credit card,,Identity theft / Fraud / Embezzlement,,,"Older American, Servicemember",N/A,Phone,2013-02-13,Closed with non-monetary relief,Yes,No,CR0316165,5333
2013-02-13,Credit card,,Rewards,,,,N/A,Phone,2013-05-31,Closed with explanation,Yes,Yes,CR0316172,2330
2013-02-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-02-13,Closed with explanation,Yes,Yes,CR0316296,6114
2013-02-14,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2013-02-15,Closed with explanation,Yes,Yes,CR0317164,2045
2013-02-19,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2013-02-19,Closed with explanation,Yes,Yes,CR0320395,2907
2013-02-19,Credit card,,Collection debt dispute,,,,N/A,Phone,2013-03-27,Closed with explanation,Yes,Yes,CR0320876,915
2013-02-19,Credit card,,Credit reporting,,,,N/A,Phone,2013-03-11,Closed with non-monetary relief,Yes,Yes,CR0321239,11978
2013-02-19,Credit card,,Other,,,Older American,N/A,Phone,2013-02-20,Closed with explanation,Yes,No,CR0321300,2492
2013-02-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2013-02-21,Closed with explanation,Yes,No,CR0321339,1160
2013-02-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-02-20,Closed with explanation,Yes,No,CR0323662,838
2013-02-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2013-02-22,Closed with explanation,Yes,No,CR0325620,2515
2013-02-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-02-22,Closed with explanation,Yes,No,CR0325933,3438
2013-02-22,Credit card,,Late fee,,,,N/A,Phone,2013-02-22,Closed with non-monetary relief,Yes,No,CR0326518,4735
2013-02-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-02-25,Closed with explanation,Yes,No,CR0328011,2858
2013-02-25,Credit card,,Credit determination,,,,N/A,Phone,2013-02-25,Closed with explanation,Yes,No,CR0329546,3259
2013-02-25,Bank account or service,(CD) Certificate of deposit,Problems caused by my funds being low,,,,N/A,Phone,2013-02-25,Closed with monetary relief,Yes,No,CR0330605,4011
2013-02-25,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-02-26,Closed with explanation,Yes,No,CR0330682,2961
2013-02-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2013-03-08,Closed with explanation,Yes,Yes,CR0330862,392
2013-02-26,Credit card,,Credit reporting,,,,N/A,Phone,2013-02-28,Closed with explanation,Yes,No,CR0333281,3022
2013-02-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-02-26,Closed with explanation,Yes,No,CR0333426,3675
2013-02-26,Credit card,,Credit reporting,,,,N/A,Phone,2013-02-26,Closed with explanation,Yes,No,CR0333932,4165
2013-02-27,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2013-02-28,Closed with explanation,Yes,No,CR0336381,4882
2013-03-04,Credit card,,Advertising and marketing,,,,N/A,Phone,2013-03-05,Closed with explanation,Yes,No,CR0341528,1776
2013-03-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2013-03-06,Closed,Yes,No,CR0342259,3375
2013-03-05,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-03-06,Closed with explanation,Yes,Yes,CR0342477,11907
2013-03-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-03-07,Closed with non-monetary relief,Yes,No,CR0343335,4454
2013-03-06,Credit card,,Billing disputes,,,Older American,N/A,Phone,2013-03-06,Closed with explanation,Yes,No,CR0343716,4448
2013-03-06,Credit card,,Collection debt dispute,,,Older American,N/A,Phone,2013-03-06,Closed with explanation,Yes,No,CR0344020,2501
2013-03-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-03-08,Closed,Yes,No,CR0345220,772
2013-03-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-03-14,Closed with explanation,Yes,No,CR0346344,1745
2013-03-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-03-11,Closed with explanation,Yes,No,CR0347168,4497
2013-03-08,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2013-03-11,Closed with explanation,Yes,No,CR0347396,1413
2013-03-08,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-03-08,Closed with non-monetary relief,Yes,No,CR0347621,1471
2013-03-08,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-03-08,Closed with explanation,Yes,No,CR0347894,6616
2013-03-12,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2013-03-13,Closed with explanation,Yes,No,CR0351535,4775
2013-03-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-03-14,Closed with non-monetary relief,Yes,No,CR0352792,1419
2013-03-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-03-14,Closed with monetary relief,Yes,No,CR0353395,179
2013-03-14,Credit card,,Billing disputes,,,,N/A,Phone,2013-03-14,Closed with explanation,Yes,Yes,CR0353981,2004
2013-03-14,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2013-03-15,Closed with explanation,Yes,No,CR0354573,2768
2013-03-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-03-18,Closed with monetary relief,Yes,No,CR0355927,1170
2013-03-15,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Phone,2013-03-15,Closed with explanation,Yes,No,CR0357124,451
2013-03-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-03-18,Closed with monetary relief,Yes,No,CR0357514,1965
2013-03-15,Credit card,,APR or interest rate,,,Older American,N/A,Phone,2013-03-18,Closed with explanation,Yes,No,CR0357748,384
2013-03-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-03-18,Closed with explanation,Yes,No,CR0358096,208
2013-03-18,Credit card,,Billing disputes,,,Older American,N/A,Phone,2013-03-18,Closed with explanation,Yes,No,CR0358202,3738
2013-03-18,Credit card,,Billing disputes,,,,N/A,Phone,2013-03-18,Closed with explanation,Yes,Yes,CR0358394,11676
2013-03-19,Credit card,,Collection debt dispute,,,,N/A,Phone,2013-03-21,Closed with monetary relief,Yes,No,CR0359753,12382
2013-03-19,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Phone,2013-03-20,Closed with explanation,Yes,No,CR0360059,2387
2013-03-20,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-03-20,Closed with explanation,Yes,Yes,CR0360603,1336
2013-03-20,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2013-03-20,Closed with explanation,Yes,No,CR0361256,3023
2013-03-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2013-03-21,Closed with explanation,Yes,No,CR0361294,3525
2013-03-21,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2013-04-17,Closed with explanation,Yes,Yes,CR0362308,1517
2013-03-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-03-25,Closed with explanation,Yes,No,CR0363120,2626
2013-03-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2013-03-22,Closed with explanation,Yes,No,CR0363152,4471
2013-03-25,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2013-03-26,Closed with explanation,Yes,Yes,CR0364117,2644
2013-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-03-28,Closed with explanation,Yes,No,CR0367220,4072
2013-03-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-03-28,Closed with explanation,Yes,No,CR0367260,4297
2013-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-03-28,Closed with explanation,Yes,No,CR0367411,4084
2013-03-28,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-03-29,Closed with non-monetary relief,Yes,No,CR0368748,1846
2013-03-29,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2013-04-01,Closed with non-monetary relief,Yes,No,CR0369772,8548
2013-04-01,Credit card,,Identity theft / Fraud / Embezzlement,,,"Older American, Servicemember",N/A,Phone,2013-04-02,Closed with explanation,Yes,Yes,CR0370377,6789
2013-04-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-04-02,Closed with explanation,Yes,Yes,CR0370871,4382
2013-04-01,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2013-04-02,Closed with explanation,Yes,No,CR0370954,4024
2013-04-01,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2013-04-02,Closed with explanation,Yes,No,CR0371131,282
2013-04-01,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Phone,2013-04-02,Closed with non-monetary relief,Yes,Yes,CR0371323,4785
2013-04-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-04-04,Closed with explanation,Yes,Yes,CR0373547,4365
2013-04-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-04-04,Closed with explanation,Yes,No,CR0373588,3575
2013-04-05,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-04-05,Closed with explanation,Yes,No,CR0374765,2412
2013-04-08,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,,N/A,Phone,2013-04-09,Closed with explanation,Yes,No,CR0376754,776
2013-04-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-04-09,Closed with explanation,Yes,No,CR0376977,4036
2013-04-09,Credit card,,Other,,,Servicemember,N/A,Phone,2013-04-09,Closed with explanation,Yes,No,CR0377289,4343
2013-04-09,Credit card,,Rewards,,,,N/A,Phone,2013-04-10,Closed with explanation,Yes,No,CR0378570,2343
2013-04-11,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2013-04-11,Closed with explanation,Yes,No,CR0379987,5462
2013-04-11,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2013-04-11,Closed with monetary relief,Yes,No,CR0380761,687
2013-04-12,Bank account or service,Checking account,Problems caused by my funds being low,,,"Older American, Servicemember",N/A,Phone,2013-04-12,Closed with monetary relief,Yes,No,CR0381072,2840
2013-04-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-04-15,Closed with explanation,Yes,No,CR0381127,2556
2013-04-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-04-16,Closed with non-monetary relief,Yes,No,CR0381323,101
2013-04-12,Credit card,,Other,,,,N/A,Phone,2013-04-15,Closed with explanation,Yes,No,CR0381324,4533
2013-04-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-04-25,Closed with explanation,Yes,No,CR0381335,5028
2013-04-15,Bank account or service,Checking account,Using a debit or ATM card,,,"Older American, Servicemember",N/A,Phone,2013-04-15,Closed with non-monetary relief,Yes,No,CR0381669,3353
2013-04-15,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2013-04-16,Closed with explanation,Yes,Yes,CR0381800,1348
2013-04-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-04-17,Closed with explanation,Yes,No,CR0383410,188
2013-04-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-05-08,Closed with explanation,Yes,No,CR0383552,2806
2013-04-16,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2013-04-17,Closed with explanation,Yes,No,CR0383681,6077
2013-04-17,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2013-04-17,Closed with explanation,Yes,No,CR0384168,2126
2013-04-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-04-19,Closed with explanation,Yes,No,CR0386114,1832
2013-04-18,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2013-04-19,Closed with explanation,Yes,Yes,CR0386422,1717
2013-04-22,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2013-04-23,Closed with monetary relief,Yes,No,CR0388459,4224
2013-04-29,Credit card,,Billing disputes,,,,N/A,Phone,2013-04-30,Closed with explanation,Yes,No,CR0394119,4394
2013-04-29,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-04-29,Closed,Yes,No,CR0394185,1512
2013-04-29,Credit card,,Billing statement,,,Older American,N/A,Phone,2013-04-30,Closed with explanation,Yes,No,CR0394295,2603
2013-04-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-05-01,Closed with explanation,Yes,No,CR0394484,1412
2013-04-29,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2013-04-30,Closed with explanation,Yes,No,CR0394497,633
2013-04-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-05-01,Closed with monetary relief,Yes,No,CR0394855,4104
2013-04-30,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2013-04-30,Closed with explanation,Yes,No,CR0395252,719
2013-04-30,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2013-05-01,Closed with explanation,Yes,No,CR0395334,4287
2013-04-30,Credit card,,APR or interest rate,,,,N/A,Phone,2013-05-02,Closed with non-monetary relief,Yes,No,CR0395348,695
2013-04-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-04-30,Closed with explanation,Yes,No,CR0395571,3965
2013-04-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-05-01,Closed with explanation,Yes,No,CR0395759,1583
2013-05-01,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2013-05-02,Closed with explanation,Yes,No,CR0396685,2067
2013-05-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-05-06,Closed with explanation,Yes,No,CR0398731,1174
2013-05-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-05-07,Closed with non-monetary relief,Yes,No,CR0399705,729
2013-05-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-05-07,Closed with explanation,Yes,No,CR0400023,10273
2013-05-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2013-05-07,Closed with explanation,Yes,No,CR0400225,4640
2013-05-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-05-08,Closed with explanation,Yes,No,CR0400891,515
2013-05-07,Credit card,,APR or interest rate,,,,N/A,Phone,2013-05-08,Closed with explanation,Yes,No,CR0400938,1375
2013-05-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2013-05-08,Closed with monetary relief,Yes,Yes,CR0401391,10276
2013-05-08,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-05-09,Closed with explanation,Yes,No,CR0402018,9833
2013-05-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2013-05-13,Closed with monetary relief,Yes,No,CR0402042,2691
2013-05-08,Credit card,,Other,,,,N/A,Phone,2013-05-09,Closed with explanation,Yes,No,CR0402204,1977
2013-05-10,Credit card,,Collection debt dispute,,,,N/A,Phone,2013-05-13,Closed with explanation,Yes,No,CR0404583,4862
2013-05-10,Credit card,,Other,,,,N/A,Phone,2013-05-14,Closed with explanation,Yes,No,CR0404838,3739
2013-05-14,Credit card,,Billing disputes,,,,N/A,Phone,2013-05-15,Closed with explanation,Yes,No,CR0405595,3595
2013-05-13,Credit card,,Billing disputes,,,Older American,N/A,Phone,2013-05-14,Closed with explanation,Yes,No,CR0405616,1282
2013-05-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2013-05-15,Closed with monetary relief,Yes,No,CR0405893,4548
2013-05-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-05-14,Closed with monetary relief,Yes,Yes,CR0406015,3286
2013-05-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2013-05-15,Closed with explanation,Yes,No,CR0406526,324
2013-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-05-15,Closed with explanation,Yes,No,CR0406873,2043
2013-05-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-05-16,Closed with explanation,Yes,No,CR0407921,3909
2013-05-15,Bank account or service,Savings account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2013-05-16,Closed with explanation,Yes,No,CR0408074,4456
2013-05-15,Credit card,,Billing disputes,,,,N/A,Phone,2013-05-16,Closed with explanation,Yes,No,CR0408118,2970
2013-05-17,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-05-20,Closed with monetary relief,Yes,No,CR0410199,3654
2013-05-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2013-05-24,Closed with explanation,Yes,No,CR0411435,2787
2013-05-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-05-21,Closed with monetary relief,Yes,No,CR0411461,2579
2013-05-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-05-21,Closed with monetary relief,Yes,No,CR0411842,2545
2013-05-20,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2013-06-27,Closed with explanation,Yes,No,CR0412229,3439
2013-05-21,Credit card,,Billing disputes,,,,N/A,Phone,2013-05-23,Closed with explanation,Yes,No,CR0412235,4147
2013-05-28,Credit card,,Delinquent account,,,,N/A,Phone,2013-05-29,Closed with explanation,Yes,No,CR0418036,12163
2013-05-28,Credit card,,Billing disputes,,,,N/A,Phone,2013-05-29,Closed with explanation,Yes,No,CR0418053,4249
2013-05-29,Credit card,,Unsolicited issuance of credit card,,,"Older American, Servicemember",N/A,Phone,2013-05-30,Closed with explanation,Yes,Yes,CR0419058,4565
2013-05-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-06-03,Closed with non-monetary relief,Yes,No,CR0421509,4772
2013-06-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-06-10,Closed with monetary relief,Yes,No,CR0423263,1016
2013-06-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2013-06-05,Closed with monetary relief,Yes,No,CR0424303,3473
2013-06-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2013-06-05,Closed with explanation,Yes,No,CR0424383,4207
2013-06-05,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-06-05,Closed with explanation,Yes,No,CR0424507,810
2013-06-05,Credit card,,Other,,,,N/A,Phone,2013-06-06,Closed with explanation,Yes,No,CR0424630,5965
2013-06-05,Credit card,,Transaction issue,,,Older American,N/A,Phone,2013-06-06,Closed with explanation,Yes,Yes,CR0424640,4426
2013-06-06,Credit card,,Collection practices,,,,N/A,Phone,2013-06-07,Closed with explanation,Yes,No,CR0425437,2217
2013-06-05,Credit card,,Cash advance,,,,N/A,Phone,2013-06-10,Closed with explanation,Yes,No,CR0425509,12376
2013-06-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-06-10,Closed with explanation,Yes,No,CR0426028,3186
2013-06-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-06-10,Closed with explanation,Yes,No,CR0427207,557
2013-06-06,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2013-06-11,Closed with explanation,Yes,No,CR0428477,3502
2013-06-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-06-11,Closed with explanation,Yes,No,CR0428571,736
2013-06-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-06-12,Closed with explanation,Yes,No,CR0428602,4863
2013-06-11,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2013-06-12,Closed with explanation,Yes,Yes,CR0429047,4232
2013-06-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-06-13,Closed with monetary relief,Yes,No,CR0429833,1966
2013-06-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-06-12,Closed with explanation,Yes,No,CR0430014,4026
2013-06-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-06-13,Closed with monetary relief,Yes,No,CR0431345,12756
2013-06-13,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2013-06-14,Closed with explanation,Yes,No,CR0431913,1216
2013-06-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-06-14,Closed with monetary relief,Yes,No,CR0431928,2799
2013-06-13,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2013-06-14,Closed with explanation,Yes,Yes,CR0432046,2513
2013-06-14,Credit card,,Credit line increase/decrease,,,,N/A,Phone,2013-06-17,Closed with explanation,Yes,No,CR0432638,9451
2013-06-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-06-18,Closed with non-monetary relief,Yes,No,CR0432702,9721
2013-06-14,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2013-06-17,Closed with monetary relief,Yes,No,CR0432807,3507
2013-06-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-06-18,Closed with explanation,Yes,Yes,CR0434625,10077
2013-06-17,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Phone,2013-06-18,Closed with explanation,Yes,No,CR0434731,4799
2013-06-17,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-06-19,Closed with explanation,Yes,Yes,CR0434879,3023
2013-06-17,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-06-19,Closed with monetary relief,Yes,No,CR0434909,8692
2013-06-17,Credit card,,Other,,,Servicemember,N/A,Phone,2013-06-18,Closed with explanation,Yes,No,CR0435032,1820
2013-06-18,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-06-19,Closed with monetary relief,Yes,No,CR0435815,4473
2013-06-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-06-21,Closed with explanation,Yes,No,CR0437831,1078
2013-06-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-06-21,Closed with monetary relief,Yes,No,CR0437972,3051
2013-06-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-06-24,Closed with explanation,Yes,Yes,CR0439863,2204
2013-06-24,Credit card,,Late fee,,,,N/A,Phone,2013-06-25,Closed with monetary relief,Yes,No,CR0440666,968
2013-06-24,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-06-25,Closed with monetary relief,Yes,No,CR0440711,2316
2013-06-24,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-06-25,Closed with monetary relief,Yes,No,CR0440986,4261
2013-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2013-06-25,Closed with explanation,Yes,No,CR0441548,2104
2013-06-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2013-06-26,Closed with explanation,Yes,No,CR0441874,1827
2013-06-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-06-26,Closed with explanation,Yes,No,CR0441884,498
2013-06-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-06-27,Closed with explanation,Yes,No,CR0442902,9
2013-06-26,Bank account or service,Savings account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2013-06-27,Closed with monetary relief,Yes,Yes,CR0443767,2098
2013-06-27,Credit card,,Other,,,,N/A,Phone,2013-06-28,Closed with explanation,Yes,Yes,CR0445179,4670
2013-06-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2013-06-28,Closed with explanation,Yes,No,CR0445327,1488
2013-06-27,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2013-06-28,Closed with monetary relief,Yes,Yes,CR0445461,6892
2013-07-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-07-03,Closed with monetary relief,Yes,No,CR0447278,1475
2013-07-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2013-07-03,Closed with non-monetary relief,Yes,No,CR0447328,11371
2013-07-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-07-09,Closed with explanation,Yes,Yes,CR0448222,11911
2013-07-03,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-07-05,Closed with explanation,Yes,No,CR0448223,4480
2013-07-03,Bank account or service,Checking account,Using a debit or ATM card,,,Servicemember,N/A,Phone,2013-07-05,Closed with explanation,Yes,No,CR0448994,3841
2013-07-03,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2013-07-05,Closed with explanation,Yes,No,CR0449140,3495
2013-07-03,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2013-07-05,Closed with explanation,Yes,No,CR0449205,391
2013-07-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-07-05,Closed with monetary relief,Yes,No,CR0449353,4394
2013-07-05,Credit card,,Other fee,,,Older American,N/A,Phone,2013-07-09,Closed with explanation,Yes,Yes,CR0449491,1563
2013-07-05,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2013-07-08,Closed with explanation,Yes,No,CR0449912,1718
2013-07-05,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-07-10,Closed with explanation,Yes,No,CR0449961,2648
2013-07-05,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-07-10,Closed with monetary relief,Yes,No,CR0450001,3444
2013-07-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-07-10,Closed with monetary relief,Yes,No,CR0450027,3998
2013-07-05,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-07-10,Closed with explanation,Yes,No,CR0450051,648
2013-07-05,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2013-07-10,Closed with explanation,Yes,No,CR0450294,2277
2013-07-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-07-12,Closed with monetary relief,Yes,No,CR0452612,2293
2013-07-09,Credit card,,Bankruptcy,,,,N/A,Phone,2013-07-10,Closed with explanation,Yes,No,CR0452986,4266
2013-07-10,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2013-07-11,Closed with explanation,Yes,No,CR0453440,12464
2013-07-10,Credit card,,APR or interest rate,,,Older American,N/A,Phone,2013-07-11,Closed with explanation,Yes,No,CR0454466,1170
2013-07-12,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-07-15,Closed with explanation,Yes,No,CR0456588,2047
2013-07-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-07-15,Closed with explanation,Yes,No,CR0456796,1585
2013-07-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-07-22,Closed with explanation,Yes,Yes,CR0457267,1060
2013-07-15,Credit card,,Advertising and marketing,,,,N/A,Phone,2013-07-29,Closed with non-monetary relief,Yes,No,CR0457543,1706
2013-07-15,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2013-08-29,Closed with explanation,Yes,Yes,CR0457832,2817
2013-07-16,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-07-17,Closed with explanation,Yes,No,CR0458678,2762
2013-07-16,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-07-17,Closed with explanation,Yes,Yes,CR0458744,3866
2013-07-16,Credit card,,Payoff process,,,Older American,N/A,Phone,2013-07-18,Closed with explanation,Yes,No,CR0458996,1754
2013-07-17,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2013-07-18,Closed with explanation,Yes,Yes,CR0459684,4673
2013-07-26,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-07-29,Closed with explanation,Yes,No,CR0459696,347
2013-07-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-07-19,Closed with explanation,Yes,No,CR0459711,4421
2013-07-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-07-19,Closed with explanation,Yes,No,CR0460058,4430
2013-07-19,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-07-19,Closed with explanation,Yes,No,CR0461773,3591
2013-07-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2013-07-22,Closed with monetary relief,Yes,No,CR0461946,769
2013-07-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2013-07-24,Closed with explanation,Yes,No,CR0462933,7843
2013-07-22,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-07-23,Closed with explanation,Yes,Yes,CR0463202,2877
2013-07-22,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-07-24,Closed with explanation,Yes,Yes,CR0463381,7100
2013-07-22,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2013-07-24,Closed with explanation,Yes,No,CR0463588,2202
2013-07-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-07-24,Closed with explanation,Yes,No,CR0464606,508
2013-07-23,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2013-07-24,Closed with explanation,Yes,No,CR0464662,815
2013-07-24,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-07-25,Closed with explanation,Yes,No,CR0465305,2057
2013-07-24,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-07-26,Closed with explanation,Yes,Yes,CR0465606,1779
2013-07-25,Credit card,,Customer service / Customer relations,,,Older American,N/A,Phone,2013-07-26,Closed with non-monetary relief,Yes,No,CR0466296,3807
2013-07-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-07-29,Closed with explanation,Yes,No,CR0467579,2623
2013-07-26,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2013-07-29,Closed with explanation,Yes,No,CR0467847,2939
2013-07-26,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2013-07-29,Closed with explanation,Yes,No,CR0468193,1099
2013-07-29,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-07-30,Closed with explanation,Yes,No,CR0469316,3262
2013-07-29,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,"Older American, Servicemember",N/A,Phone,2013-08-01,Closed with explanation,Yes,No,CR0469537,4309
2013-07-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-07-31,Closed with explanation,Yes,No,CR0469559,3134
2013-07-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-07-31,Closed with monetary relief,Yes,No,CR0469836,1082
2013-07-30,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-07-31,Closed with non-monetary relief,Yes,No,CR0470690,13417
2013-07-31,Credit card,,Billing disputes,,,,N/A,Phone,2013-08-02,Closed with monetary relief,Yes,No,CR0471048,4275
2013-07-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-08-02,Closed with explanation,Yes,No,CR0471160,286
2013-08-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-08-06,Closed with monetary relief,Yes,No,CR0472112,4743
2013-08-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-08-05,Closed with explanation,Yes,No,CR0472312,2952
2013-08-02,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-08-05,Closed with monetary relief,Yes,No,CR0472455,3309
2013-08-02,Credit card,,Billing disputes,,,Servicemember,N/A,Phone,2013-08-05,Closed with explanation,Yes,No,CR0473007,3221
2013-08-02,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-08-07,Closed with explanation,Yes,Yes,CR0473120,4284
2013-08-02,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2013-08-07,Closed with monetary relief,Yes,No,CR0473334,4192
2013-08-05,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2013-08-07,Closed with explanation,Yes,No,CR0473931,2794
2013-08-05,Credit card,,Transaction issue,,,Older American,N/A,Phone,2013-08-07,Closed with explanation,Yes,No,CR0474388,1100
2013-08-05,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2013-08-07,Closed with explanation,Yes,Yes,CR0474416,1735
2013-08-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2013-08-22,Closed with explanation,Yes,No,CR0481188,909
2013-08-06,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2013-08-07,Closed with monetary relief,Yes,No,CR0481764,1259
2013-08-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-08-07,Closed with monetary relief,Yes,No,CR0481818,1038
2013-08-07,Credit card,,Other,,,,N/A,Phone,2013-08-08,Closed with explanation,Yes,Yes,CR0482761,3184
2013-08-07,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2013-08-12,Closed with explanation,Yes,No,CR0482894,1366
2013-08-09,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Phone,2013-08-12,Closed with explanation,Yes,No,CR0485373,4485
2013-08-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2013-08-13,Closed with explanation,Yes,No,CR0485875,8287
2013-08-12,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2013-08-13,Closed with explanation,Yes,No,CR0487821,3199
2013-08-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2013-08-14,Closed with explanation,Yes,No,CR0487971,3207
2013-08-12,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2013-08-14,Closed with explanation,Yes,No,CR0488083,3745
2013-08-15,Credit card,,Billing disputes,,,,N/A,Phone,2013-08-16,Closed with explanation,Yes,No,CR0488748,3640
2013-08-13,Bank account or service,(CD) Certificate of deposit,"Making/receiving payments, sending money",,,,N/A,Phone,2013-09-12,Closed with explanation,Yes,No,CR0489152,2656
2013-08-14,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-08-20,Closed with explanation,Yes,No,CR0489217,3076
2013-08-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-08-19,Closed with explanation,Yes,No,CR0490326,3783
2013-08-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-08-16,Closed with monetary relief,Yes,No,CR0490608,4937
2013-08-13,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Phone,2013-08-13,Closed with explanation,Yes,No,CR0491378,826
2013-08-13,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2013-08-13,Closed with non-monetary relief,Yes,Yes,CR0491553,6191
2013-08-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-08-19,Closed with explanation,Yes,No,CR0493663,3547
2013-08-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-08-19,Closed with explanation,Yes,Yes,CR0494180,4775
2013-08-07,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,N/A,Phone,2013-08-07,Closed with explanation,Yes,Yes,CR0495121,263
2013-08-19,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2013-08-21,Closed with explanation,Yes,No,CR0495894,2845
2013-08-21,Credit card,,Other fee,,,,N/A,Phone,2013-08-22,Closed with explanation,Yes,No,CR0499591,1295
2013-08-22,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2013-08-22,Closed with explanation,Yes,Yes,CR0499960,3432
2013-08-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-08-23,Closed with explanation,Yes,No,CR0500459,3216
2013-08-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-08-22,Closed with explanation,Yes,No,CR0501119,3797
2013-08-23,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Phone,2013-08-26,Closed with explanation,Yes,Yes,CR0502860,2799
2013-08-26,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2013-08-28,Closed with explanation,Yes,No,CR0504401,4683
2013-08-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-10-08,Closed with explanation,Yes,No,CR0504699,2367
2013-08-27,Credit card,,Credit card protection / Debt protection,,,,N/A,Phone,2013-08-28,Closed with explanation,Yes,Yes,CR0505222,3794
2013-08-27,Credit card,,Late fee,,,Older American,N/A,Phone,2013-08-29,Closed with explanation,Yes,No,CR0505366,2536
2013-08-27,Credit card,,Billing disputes,,,,N/A,Phone,2013-08-28,Closed with explanation,Yes,Yes,CR0505876,12092
2013-08-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-08-29,Closed with monetary relief,Yes,Yes,CR0508036,2340
2013-08-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-08-29,Closed with non-monetary relief,Yes,No,CR0508454,758
2013-08-29,Credit card,,Closing/Cancelling account,,,Older American,N/A,Phone,2013-09-04,Closed with explanation,Yes,No,CR0509457,4818
2013-08-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-08-30,Closed with explanation,Yes,No,CR0509672,4260
2013-08-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-09-03,Closed with explanation,Yes,No,CR0510020,2910
2013-08-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-09-03,Closed with non-monetary relief,Yes,Yes,CR0510128,888
2013-08-30,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2013-09-03,Closed with monetary relief,Yes,No,CR0510744,3403
2013-09-03,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-09-04,Closed with explanation,Yes,No,CR0513470,1317
2013-09-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Phone,2013-09-04,Closed with explanation,Yes,Yes,CR0513529,2978
2013-09-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-09-04,Closed with non-monetary relief,Yes,No,CR0513553,5736
2013-09-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2013-09-05,Closed with explanation,Yes,Yes,CR0514524,1444
2013-09-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-09-18,Closed with explanation,Yes,No,CR0515125,4667
2013-09-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-09-10,Closed with explanation,Yes,No,CR0518106,4536
2013-09-06,Credit card,,Cash advance,,,,N/A,Phone,2013-09-09,Closed with explanation,Yes,No,CR0518494,4403
2013-09-09,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Phone,2013-09-11,Closed with non-monetary relief,Yes,No,CR0519823,11121
2013-09-09,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-09-10,Closed with explanation,Yes,No,CR0520556,2322
2013-09-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-09-10,Closed with monetary relief,Yes,No,CR0521490,2341
2013-09-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-09-10,Closed with monetary relief,Yes,Yes,CR0521491,6034
2013-09-10,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-09-11,Closed with explanation,Yes,No,CR0521983,916
2013-09-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-09-11,Closed with explanation,Yes,No,CR0522580,12416
2013-09-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-09-11,Closed with monetary relief,Yes,Yes,CR0523521,1866
2013-09-11,Credit card,,Billing disputes,,,"Older American, Servicemember",N/A,Phone,2013-09-12,Closed with explanation,Yes,Yes,CR0523978,1680
2013-09-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-09-13,Closed with explanation,Yes,No,CR0525565,4384
2013-09-12,Credit card,,Bankruptcy,,,,N/A,Phone,2013-09-13,Closed with explanation,Yes,No,CR0526089,3353
2013-09-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-09-16,Closed with explanation,Yes,No,CR0526102,4514
2013-09-16,Credit card,,Billing disputes,,,Older American,N/A,Phone,2013-09-18,Closed with monetary relief,Yes,No,CR0528385,13276
2013-09-16,Credit card,,Billing disputes,,,"Older American, Servicemember",N/A,Phone,2013-09-17,Closed with explanation,Yes,No,CR0529041,3705
2013-09-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-09-18,Closed with explanation,Yes,No,CR0529205,739
2013-09-16,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2013-09-17,Closed with explanation,Yes,No,CR0529656,1254
2013-09-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-09-18,Closed with explanation,Yes,No,CR0530555,1096
2013-09-17,Credit card,,Billing disputes,,,Older American,N/A,Phone,2013-11-04,Closed with explanation,Yes,Yes,CR0530624,4504
2013-09-17,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2013-09-18,Closed with monetary relief,Yes,No,CR0531143,3801
2013-09-18,Credit card,,Payoff process,,,,N/A,Phone,2013-09-19,Closed with non-monetary relief,Yes,No,CR0532311,155
2013-09-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-09-19,Closed with monetary relief,Yes,No,CR0532414,4487
2013-09-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2013-09-19,Closed with explanation,Yes,No,CR0532774,3916
2013-09-18,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-09-19,Closed with explanation,Yes,No,CR0532857,6
2013-09-18,Credit card,,Other,,,,N/A,Phone,2013-09-19,Closed with explanation,Yes,No,CR0533368,3727
2013-09-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-09-19,Closed with monetary relief,Yes,No,CR0533931,2611
2013-09-19,Credit card,,Billing disputes,,,,N/A,Phone,2013-09-20,Closed with explanation,Yes,No,CR0535179,3772
2013-09-23,Credit card,,APR or interest rate,,,Older American,N/A,Phone,2013-09-23,Closed with explanation,Yes,No,CR0537942,1339
2013-09-23,Credit card,,Billing disputes,,,Older American,N/A,Phone,2013-09-24,Closed with explanation,Yes,No,CR0538389,3032
2013-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-09-24,Closed with explanation,Yes,No,CR0538457,239
2013-09-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-09-25,Closed with explanation,Yes,No,CR0539893,4057
2013-09-24,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-09-25,Closed with explanation,Yes,No,CR0540200,12890
2013-09-24,Credit card,,Billing disputes,,,,N/A,Phone,2013-09-25,Closed with non-monetary relief,Yes,No,CR0540488,2292
2013-09-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-09-26,Closed with monetary relief,Yes,No,CR0541607,4020
2013-09-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-09-26,Closed with explanation,Yes,No,CR0543628,873
2013-09-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2013-09-27,Closed with explanation,Yes,No,CR0544144,8076
2013-09-27,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-10-01,Closed with explanation,Yes,No,CR0545794,3521
2013-09-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-09-30,Closed with explanation,Yes,No,CR0546251,4307
2013-09-27,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2013-09-30,Closed with explanation,Yes,Yes,CR0546793,4459
2013-09-30,Credit card,,Billing statement,,,Older American,N/A,Phone,2013-10-01,Closed with explanation,Yes,No,CR0547920,3729
2013-09-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,,"Older American, Servicemember",N/A,Phone,2013-10-01,Closed with explanation,Yes,No,CR0548176,3521
2013-09-30,Credit card,,Unsolicited issuance of credit card,,,,N/A,Phone,2013-10-01,Closed with explanation,Yes,No,CR0548192,13658
2013-10-01,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Phone,2013-10-01,Closed with explanation,Yes,Yes,CR0549090,6469
2013-10-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-10-02,Closed with monetary relief,Yes,No,CR0549841,1195
2013-10-03,Credit card,,Delinquent account,,,,N/A,Phone,2013-10-04,Closed with explanation,Yes,Yes,CR0551821,1407
2013-10-03,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2013-10-04,Closed with explanation,Yes,No,CR0551967,2716
2013-10-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-10-04,Closed with explanation,Yes,No,CR0552690,234
2013-10-07,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2013-10-07,Closed with explanation,Yes,No,CR0553651,11149
2013-10-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-10-08,Closed with explanation,Yes,No,CR0554119,183
2013-10-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-10-08,Closed with explanation,Yes,Yes,CR0554171,9250
2013-10-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-10-08,Closed with non-monetary relief,Yes,No,CR0554963,2201
2013-10-10,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-10-11,Closed with explanation,Yes,No,CR0556932,1389
2013-10-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-10-17,Closed with explanation,Yes,No,CR0558072,10479
2013-10-11,Credit card,,Other,,,,N/A,Phone,2013-10-15,Closed with explanation,Yes,No,CR0558188,6366
2013-10-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-10-16,Closed with monetary relief,Yes,No,CR0559399,4157
2013-10-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-10-16,Closed with explanation,Yes,No,CR0559415,1165
2013-10-15,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2013-10-16,Closed with explanation,Yes,Yes,CR0559532,1479
2013-10-16,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,,N/A,Phone,2013-10-16,Closed with explanation,Yes,No,CR0560174,1101
2013-10-16,Credit card,,Other fee,,,"Older American, Servicemember",N/A,Phone,2013-10-16,Closed with explanation,Yes,No,CR0560258,1580
2013-10-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-10-17,Closed,Yes,No,CR0560597,6342
2013-10-17,Credit card,,Closing/Cancelling account,,,Older American,N/A,Phone,2013-10-18,Closed with explanation,Yes,No,CR0561857,1177
2013-10-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-10-18,Closed with explanation,Yes,No,CR0561912,5827
2013-10-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-10-24,Closed with monetary relief,Yes,No,CR0565947,1509
2013-10-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-10-22,Closed with monetary relief,Yes,Yes,CR0566404,1016
2013-10-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2013-10-23,Closed with explanation,Yes,No,CR0567077,8200
2013-10-23,Credit card,,Billing disputes,,,Older American,N/A,Phone,2013-10-24,Closed with monetary relief,Yes,Yes,CR0567694,7863
2013-10-23,Credit card,,Billing disputes,,,Older American,N/A,Phone,2013-10-24,Closed with non-monetary relief,Yes,No,CR0567695,830
2013-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-10-23,Closed with explanation,Yes,No,CR0568256,823
2013-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-10-24,Closed with explanation,Yes,No,CR0568678,155
2013-10-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-11-12,Closed with explanation,Yes,No,CR0573392,2684
2013-10-29,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2013-10-30,Closed with explanation,Yes,No,CR0574968,4674
2013-10-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-10-30,Closed with explanation,Yes,No,CR0576238,1109
2013-10-30,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2013-10-31,Closed with explanation,Yes,No,CR0577962,2884
2013-10-30,Credit card,,Sale of account,,,,N/A,Phone,2013-10-31,Closed with explanation,Yes,No,CR0578263,2539
2013-10-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-11-04,Closed with monetary relief,Yes,No,CR0579459,3600
2013-11-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-11-06,Closed with explanation,Yes,No,CR0580766,6478
2013-11-01,Credit card,,Billing disputes,,,Older American,N/A,Phone,2013-11-04,Closed with explanation,Yes,No,CR0581961,3722
2013-11-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-11-05,Closed with explanation,Yes,No,CR0582227,12859
2013-11-04,Credit card,,Closing/Cancelling account,,,"Older American, Servicemember",N/A,Phone,2013-11-06,Closed with explanation,Yes,Yes,CR0583761,1367
2013-11-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-11-06,Closed with explanation,Yes,No,CR0584510,1331
2013-11-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-11-12,Closed with explanation,Yes,No,CR0585450,1479
2013-11-05,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2013-11-06,Closed with explanation,Yes,Yes,CR0585790,2512
2013-11-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-11-06,Closed with monetary relief,Yes,No,CR0585839,2392
2013-11-05,Credit card,,Billing disputes,,,,N/A,Phone,2013-11-12,Closed with explanation,Yes,No,CR0586036,3117
2013-11-05,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-11-06,Closed with explanation,Yes,No,CR0586431,4593
2013-11-05,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2013-11-06,Closed with monetary relief,Yes,No,CR0586549,1983
2013-11-06,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2013-11-07,Closed with explanation,Yes,No,CR0588681,3734
2013-11-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2013-11-07,Closed with non-monetary relief,Yes,No,CR0588723,3167
2013-11-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2013-11-12,Closed with explanation,Yes,No,CR0590311,275
2013-11-08,Credit card,,Closing/Cancelling account,,,Older American,N/A,Phone,2013-11-13,Closed with explanation,Yes,No,CR0591524,2852
2013-11-08,Credit card,,Billing disputes,,,,N/A,Phone,2013-11-12,Closed with explanation,Yes,No,CR0591679,2582
2013-11-12,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,N/A,Phone,2013-11-13,Closed with explanation,Yes,Yes,CR0593265,295
2013-11-12,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-11-13,Closed with explanation,Yes,Yes,CR0594192,2524
2013-11-12,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-11-13,Closed with explanation,Yes,No,CR0594371,4642
2013-11-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2013-11-14,Closed with explanation,Yes,No,CR0595030,3248
2013-11-13,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-11-14,Closed with explanation,Yes,No,CR0596216,3421
2013-11-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-11-14,Closed with monetary relief,Yes,No,CR0596278,4161
2013-11-13,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-11-19,Closed with monetary relief,Yes,No,CR0596870,5469
2013-11-15,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2013-11-19,Closed with monetary relief,Yes,No,CR0597125,358
2013-11-14,Credit card,,Delinquent account,,,Older American,N/A,Phone,2013-11-14,Closed with explanation,Yes,No,CR0597160,4642
2013-11-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-11-19,Closed with non-monetary relief,Yes,Yes,CR0597259,10287
2013-11-14,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2013-11-20,Closed with monetary relief,Yes,No,CR0598841,4473
2013-11-14,Credit card,,Rewards,,,Older American,N/A,Phone,2013-11-19,Closed with explanation,Yes,Yes,CR0598986,1039
2013-11-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-11-18,Closed with explanation,Yes,No,CR0599656,3974
2013-11-15,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Phone,2013-11-18,Closed with non-monetary relief,Yes,No,CR0599871,2447
2013-11-15,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Phone,2013-11-18,Closed with explanation,Yes,No,CR0600245,1109
2013-11-18,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2013-11-20,Closed with monetary relief,Yes,No,CR0601943,1409
2013-11-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-11-21,Closed,Yes,No,CR0603359,7724
2013-11-19,Bank account or service,Savings account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2013-11-20,Closed with explanation,Yes,No,CR0604450,1263
2013-11-20,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2013-11-21,Closed with explanation,Yes,No,CR0604843,8287
2013-11-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-11-20,Closed,Yes,No,CR0605909,2366
2013-11-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-11-21,Closed with non-monetary relief,Yes,No,CR0606552,4330
2013-11-21,Credit card,,Customer service / Customer relations,,,Older American,N/A,Phone,2013-11-22,Closed with non-monetary relief,Yes,No,CR0607421,4862
2013-11-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-11-25,Closed with explanation,Yes,No,CR0609186,4164
2013-11-25,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-11-26,Closed with explanation,Yes,No,CR0611475,674
2013-11-25,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-11-26,Closed with monetary relief,Yes,No,CR0611527,4402
2013-11-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-11-26,Closed with explanation,Yes,No,CR0612864,2511
2013-11-27,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2013-11-27,Closed with explanation,Yes,No,CR0615396,4438
2013-12-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-12-02,Closed with explanation,Yes,No,CR0617540,3373
2013-12-02,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2013-12-03,Closed with explanation,Yes,No,CR0617639,702
2013-12-02,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-12-03,Closed with explanation,Yes,No,CR0618111,180
2013-12-02,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-12-03,Closed with explanation,Yes,No,CR0618540,1942
2013-12-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-12-03,Closed with explanation,Yes,No,CR0618869,2260
2013-12-05,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2013-12-06,Closed with explanation,Yes,No,CR0623191,13260
2013-12-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-12-10,Closed with monetary relief,Yes,No,CR0624885,2068
2013-12-09,Credit card,,Rewards,,,"Older American, Servicemember",N/A,Phone,2013-12-12,Closed with explanation,Yes,No,CR0626230,13412
2013-12-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-12-12,Closed with explanation,Yes,No,CR0628274,1691
2013-12-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-12-11,Closed with monetary relief,Yes,No,CR0628615,4441
2013-12-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2013-12-16,Closed with explanation,Yes,Yes,CR0629873,1284
2013-12-11,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Phone,2013-12-12,Closed with explanation,Yes,No,CR0630498,484
2013-12-12,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2013-12-19,Closed with explanation,Yes,Yes,CR0631532,3577
2013-12-13,Credit card,,Billing disputes,,,Older American,N/A,Phone,2013-12-17,Closed with explanation,Yes,Yes,CR0632681,1945
2013-12-13,Credit card,,Billing disputes,,,Older American,N/A,Phone,2014-01-09,Closed with explanation,Yes,No,CR0633229,2611
2013-12-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-12-16,Closed with explanation,Yes,No,CR0633568,8670
2013-12-14,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Phone,2013-12-16,Closed with explanation,Yes,No,CR0633945,12145
2013-12-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-12-19,Closed with monetary relief,Yes,No,CR0634785,8432
2013-12-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-12-19,Closed with explanation,Yes,No,CR0634872,4333
2013-12-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-12-23,Closed with explanation,Yes,Yes,CR0635552,3414
2013-12-16,Credit card,,Billing disputes,,,,N/A,Phone,2013-12-19,Closed with explanation,Yes,No,CR0636166,11252
2013-12-17,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2013-12-20,Closed with explanation,Yes,No,CR0636424,1829
2013-12-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2013-12-23,Closed with explanation,Yes,Yes,CR0636753,2339
2013-12-17,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2013-12-23,Closed with monetary relief,Yes,No,CR0637064,1529
2013-12-17,Credit card,,Credit determination,,,Older American,N/A,Phone,2013-12-23,Closed,Yes,No,CR0637397,1088
2013-12-18,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Phone,2013-12-23,Closed with explanation,Yes,No,CR0642536,4708
2013-12-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2013-12-24,Closed with explanation,Yes,No,CR0642582,1781
2013-12-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2014-01-06,Closed with explanation,Yes,No,CR0643092,4422
2013-12-23,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2013-12-31,Closed with explanation,Yes,Yes,CR0643733,13405
2013-12-18,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2013-12-27,Closed with non-monetary relief,Yes,No,CR0644427,3159
2013-12-24,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2014-01-06,Closed with explanation,Yes,No,CR0645163,2129
2013-12-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2013-12-27,Closed with monetary relief,Yes,No,CR0645655,4253
2013-12-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2013-12-30,Closed with explanation,Yes,No,CR0647147,3905
2013-12-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-01-02,Closed with explanation,Yes,No,CR0647337,4748
2013-12-27,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2013-12-31,Closed with explanation,Yes,No,CR0647550,1131
2013-12-30,Credit card,,Billing statement,,,,N/A,Phone,2014-01-08,Closed with explanation,Yes,No,CR0649236,1948
2013-12-30,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2014-01-08,Closed with explanation,Yes,Yes,CR0649423,4125
2013-12-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-01-02,Closed with explanation,Yes,No,CR0649712,1955
2014-01-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-01-27,Closed with explanation,Yes,No,CR0651941,6499
2014-01-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-01-08,Closed with explanation,Yes,No,CR0652357,4480
2014-01-02,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2014-01-09,Closed with explanation,Yes,No,CR0653037,3101
2014-01-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-01-08,Closed with explanation,Yes,No,CR0653478,4070
2014-01-03,Credit card,,APR or interest rate,,,"Older American, Servicemember",N/A,Phone,2014-01-07,Closed with explanation,Yes,No,CR0653570,4328
2014-01-03,Credit card,,Other,,,,N/A,Phone,2014-01-07,Closed with explanation,Yes,No,CR0654534,618
2014-01-06,Credit card,,Advertising and marketing,,,Older American,N/A,Phone,2014-01-07,Closed with explanation,Yes,No,CR0655905,1556
2014-01-06,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2014-01-07,Closed with explanation,Yes,No,CR0655907,4919
2014-01-06,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2014-01-10,Closed with explanation,Yes,Yes,CR0656145,1586
2014-01-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Servicemember,N/A,Phone,2014-01-08,Closed with explanation,Yes,No,CR0656522,4610
2014-01-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2014-01-09,Closed with explanation,Yes,No,CR0656902,2610
2014-01-08,Credit card,,Other,,,"Older American, Servicemember",N/A,Phone,2014-01-09,Closed with explanation,Yes,Yes,CR0659626,3057
2014-01-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2014-01-09,Closed with explanation,Yes,No,CR0660132,1744
2014-01-09,Credit card,,Other,,,,N/A,Phone,2014-01-10,Closed with explanation,Yes,Yes,CR0662067,1344
2014-01-10,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2014-01-13,Closed with monetary relief,Yes,No,CR0663651,1904
2014-01-14,Credit card,,Advertising and marketing,,,,N/A,Phone,2014-01-17,Closed with explanation,Yes,No,CR0669160,4718
2014-01-15,Credit card,,Billing disputes,,,,N/A,Phone,2014-01-22,Closed with explanation,Yes,No,CR0670381,4345
2014-01-16,Credit card,,Credit line increase/decrease,,,,N/A,Phone,2014-01-23,Closed with explanation,Yes,No,CR0672118,1002
2014-01-21,Credit card,,Billing disputes,,,,N/A,Phone,2014-01-28,Closed with explanation,Yes,No,CR0677923,1961
2014-01-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-01-28,Closed with monetary relief,Yes,No,CR0678370,4346
2014-01-21,Credit card,,Billing disputes,,,,N/A,Phone,2014-01-28,Closed with explanation,Yes,Yes,CR0678444,2670
2014-01-23,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-01-31,Closed with explanation,Yes,No,CR0682428,897
2014-01-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2014-02-03,Closed with explanation,Yes,No,CR0684112,191
2014-01-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-02-03,Closed with monetary relief,Yes,No,CR0684590,3230
2014-01-27,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2014-02-05,Closed with explanation,Yes,No,CR0687131,2447
2014-01-28,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Phone,2014-02-06,Closed with monetary relief,Yes,No,CR0688159,2805
2014-01-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-02-05,Closed with explanation,Yes,No,CR0690307,2730
2014-01-30,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2014-02-07,Closed with explanation,Yes,No,CR0692784,1429
2014-01-30,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-02-07,Closed with explanation,Yes,Yes,CR0693018,4478
2014-01-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-02-06,Closed with explanation,Yes,No,CR0694776,4595
2014-01-31,Credit card,,Advertising and marketing,,,,N/A,Phone,2014-02-07,Closed with explanation,Yes,No,CR0694888,5
2014-01-31,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2014-02-07,Closed with explanation,Yes,No,CR0694894,4719
2014-01-31,Credit card,,Late fee,,,,N/A,Phone,2014-02-11,Closed with explanation,Yes,No,CR0694940,157
2014-02-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2014-02-07,Closed with non-monetary relief,Yes,No,CR0697034,1124
2014-02-03,Credit card,,Billing disputes,,,Older American,N/A,Phone,2014-02-07,Closed with explanation,Yes,Yes,CR0697181,834
2014-02-03,Credit card,,Credit line increase/decrease,,,,N/A,Phone,2014-02-07,Closed with explanation,Yes,No,CR0697793,4069
2014-02-05,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-02-06,Closed with explanation,Yes,No,CR0700332,3671
2014-02-05,Credit card,,Billing disputes,,,,N/A,Phone,2014-02-06,Closed with monetary relief,Yes,No,CR0700360,4296
2014-02-05,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Phone,2014-02-06,Closed with monetary relief,Yes,No,CR0700445,1251
2014-02-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-02-11,Closed with non-monetary relief,Yes,No,CR0701529,2022
2014-02-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-02-07,Closed with explanation,Yes,No,CR0702842,3503
2014-02-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2014-02-07,Closed with explanation,Yes,No,CR0702848,4571
2014-02-07,Credit card,,Billing disputes,,,,N/A,Phone,2014-02-10,Closed with explanation,Yes,No,CR0703806,3264
2014-02-07,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2014-02-10,Closed with monetary relief,Yes,No,CR0704288,17
2014-02-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-02-11,Closed with explanation,Yes,No,CR0704507,1561
2014-02-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-02-11,Closed with explanation,Yes,Yes,CR0707268,1265
2014-02-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-03-18,Closed with explanation,Yes,No,CR0708522,1200
2014-02-11,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2014-02-14,Closed with monetary relief,Yes,No,CR0709389,5072
2014-02-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-02-18,Closed with non-monetary relief,Yes,No,CR0712233,317
2014-02-13,Credit card,,Delinquent account,,,,N/A,Phone,2014-02-19,Closed with non-monetary relief,Yes,No,CR0712738,61
2014-02-18,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-02-20,Closed with monetary relief,Yes,No,CR0717369,4355
2014-02-18,Credit card,,Customer service / Customer relations,,,Older American,N/A,Phone,2014-02-19,Closed with explanation,Yes,Yes,CR0717912,349
2014-02-18,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Phone,2014-02-19,Closed with monetary relief,Yes,No,CR0717983,453
2014-02-18,Credit card,,Credit card protection / Debt protection,,,,N/A,Phone,2014-02-19,Closed with explanation,Yes,No,CR0718012,12859
2014-02-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-02-19,Closed with explanation,Yes,No,CR0719196,4685
2014-02-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-02-21,Closed with monetary relief,Yes,No,CR0722881,466
2014-02-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2014-02-21,Closed with explanation,Yes,No,CR0723718,845
2014-02-21,Credit card,,Other,,,Servicemember,N/A,Phone,2014-02-25,Closed with non-monetary relief,Yes,No,CR0725992,3355
2014-02-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2014-02-24,Closed with explanation,Yes,No,CR0726335,1689
2014-02-24,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2014-02-26,Closed with monetary relief,Yes,Yes,CR0728746,9346
2014-02-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2014-02-25,Closed with monetary relief,Yes,No,CR0728963,1779
2014-02-24,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2014-02-26,Closed with explanation,Yes,No,CR0729097,3379
2014-02-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2014-02-25,Closed with explanation,Yes,No,CR0729146,3919
2014-02-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2014-02-26,Closed with explanation,Yes,No,CR0730663,1098
2014-02-25,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2014-02-27,Closed with explanation,Yes,No,CR0730978,11271
2014-02-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Phone,2014-03-05,Closed with explanation,Yes,No,CR0735186,3132
2014-02-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-02-28,Closed with monetary relief,Yes,No,CR0735229,4574
2014-02-28,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2014-03-05,Closed with explanation,Yes,Yes,CR0737471,816
2014-02-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2014-03-03,Closed with explanation,Yes,No,CR0738042,2429
2014-03-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2014-03-04,Closed with monetary relief,Yes,No,CR0740963,461
2014-03-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-03-11,Closed with explanation,Yes,No,CR0742475,1420
2014-03-04,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2014-03-06,Closed with explanation,Yes,No,CR0742670,1371
2014-03-05,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2014-03-06,Closed,Yes,Yes,CR0744359,1889
2014-03-05,Credit card,,Late fee,,,,N/A,Phone,2014-03-06,Closed with explanation,Yes,Yes,CR0745123,1170
2014-03-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-03-07,Closed with explanation,Yes,No,CR0746273,3474
2014-03-07,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2014-03-10,Closed with explanation,Yes,No,CR0749542,5108
2014-03-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-03-11,Closed with explanation,Yes,No,CR0750283,1915
2014-03-10,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2014-03-11,Closed with explanation,Yes,No,CR0752245,8598
2014-03-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2014-04-01,Closed with explanation,Yes,No,CR0752324,6545
2014-03-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-03-12,Closed with explanation,Yes,No,CR0753756,6892
2014-03-10,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-03-12,Closed with explanation,Yes,No,CR0753780,2499
2014-03-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-03-12,Closed with explanation,Yes,No,CR0753793,4810
2014-03-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-03-12,Closed with monetary relief,Yes,No,CR0755697,1297
2014-03-12,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-03-14,Closed with monetary relief,Yes,No,CR0757085,1693
2014-03-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-03-20,Closed with explanation,Yes,No,CR0760739,854
2014-03-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2014-03-20,Closed with explanation,Yes,Yes,CR0761080,6501
2014-03-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-03-20,Closed with explanation,Yes,No,CR0762766,243
2014-03-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-03-18,Closed with explanation,Yes,No,CR0762940,3273
2014-03-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-03-21,Closed with explanation,Yes,No,CR0764268,1939
2014-03-18,Credit card,,Billing disputes,,,,N/A,Phone,2014-03-21,Closed with explanation,Yes,No,CR0764430,401
2014-03-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2014-03-24,Closed with explanation,Yes,Yes,CR0766213,999
2014-03-13,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2014-03-18,Closed with explanation,Yes,Yes,CR0767128,3979
2014-03-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2014-03-27,Closed with non-monetary relief,Yes,No,CR0769877,4740
2014-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-03-28,Closed with non-monetary relief,Yes,No,CR0771869,3537
2014-03-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-03-31,Closed with explanation,Yes,No,CR0774455,13290
2014-03-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2014-03-31,Closed with monetary relief,Yes,Yes,CR0775044,2115
2014-03-24,Credit card,,Billing disputes,,,Older American,N/A,Phone,2014-03-31,Closed with explanation,Yes,No,CR0775199,2147
2014-03-25,Credit card,,APR or interest rate,,,,N/A,Phone,2014-03-31,Closed with explanation,Yes,No,CR0776550,4705
2014-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2014-03-31,Closed with explanation,Yes,Yes,CR0780677,1957
2014-03-27,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2014-03-31,Closed with explanation,Yes,No,CR0780784,3344
2014-03-28,Credit card,,Payoff process,,,Older American,N/A,Phone,2014-03-31,Closed with explanation,Yes,No,CR0783082,3204
2014-03-31,Credit card,,Other,,,Older American,N/A,Phone,2014-04-03,Closed with explanation,Yes,No,CR0784950,885
2014-03-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-04-03,Closed with explanation,Yes,No,CR0786062,1091
2014-04-01,Credit card,,Billing statement,,,,N/A,Phone,2014-04-15,Closed with explanation,Yes,No,CR0787367,81
2014-04-01,Credit card,,Customer service / Customer relations,,,Older American,N/A,Phone,2014-04-21,Closed with explanation,Yes,No,CR0787745,1280
2014-04-02,Credit card,,Other,,,Older American,N/A,Phone,2014-04-07,Closed with explanation,Yes,No,CR0789992,4429
2014-04-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2014-04-08,Closed with explanation,Yes,No,CR0792504,11545
2014-04-03,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2014-04-08,Closed with non-monetary relief,Yes,No,CR0792537,2473
2014-04-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2014-04-08,Closed with monetary relief,Yes,No,CR0793223,989
2014-04-04,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2014-04-08,Closed with explanation,Yes,No,CR0794193,630
2014-04-07,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Phone,2014-04-09,Closed with explanation,Yes,No,CR0796312,10041
2014-04-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-04-10,Closed with explanation,Yes,Yes,CR0798467,4029
2014-04-08,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2014-04-10,Closed with explanation,Yes,No,CR0799363,4520
2014-04-09,Credit card,,APR or interest rate,,,,N/A,Phone,2014-04-14,Closed with explanation,Yes,No,CR0801584,1810
2014-04-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-04-15,Closed with explanation,Yes,No,CR0802122,683
2014-04-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-04-15,Closed with explanation,Yes,No,CR0802265,1613
2014-04-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-04-15,Closed with explanation,Yes,No,CR0803291,3618
2014-04-10,Credit card,,Credit determination,,,,N/A,Phone,2014-04-15,Closed with explanation,Yes,No,CR0803746,2693
2014-04-11,Bank account or service,Savings account,Using a debit or ATM card,,,"Older American, Servicemember",N/A,Phone,2014-04-15,Closed with monetary relief,Yes,No,CR0804907,681
2014-04-11,Credit card,,Late fee,,,Older American,N/A,Phone,2014-04-16,Closed with explanation,Yes,No,CR0805218,1960
2014-04-11,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2014-04-16,Closed with explanation,Yes,No,CR0805239,2878
2014-04-14,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Phone,2014-04-17,Closed with explanation,Yes,Yes,CR0808571,3422
2014-04-15,Credit card,,Billing disputes,,,,N/A,Phone,2014-04-18,Closed with monetary relief,Yes,No,CR0809321,3557
2014-04-16,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2014-04-22,Closed with explanation,Yes,No,CR0810652,4643
2014-04-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-04-21,Closed with monetary relief,Yes,No,CR0810687,2949
2014-04-16,Credit card,,Balance transfer,,,Servicemember,N/A,Phone,2014-04-23,Closed with explanation,Yes,No,CR0811776,5965
2014-04-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-04-23,Closed with explanation,Yes,No,CR0814011,3422
2014-04-18,Credit card,,Credit line increase/decrease,,,,N/A,Phone,2014-04-23,Closed with explanation,Yes,No,CR0815379,689
2014-04-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-04-24,Closed with explanation,Yes,No,CR0817627,4059
2014-04-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-04-24,Closed with non-monetary relief,Yes,No,CR0818095,4701
2014-04-22,Credit card,,Billing disputes,,,,N/A,Phone,2014-04-25,Closed with monetary relief,Yes,No,CR0818719,4425
2014-04-22,Credit card,,Payoff process,,,,N/A,Phone,2014-04-24,Closed with non-monetary relief,Yes,No,CR0818777,936
2014-04-22,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2014-04-25,Closed with explanation,Yes,Yes,CR0819337,10778
2014-04-22,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-05-12,Closed with explanation,Yes,No,CR0819792,13673
2014-04-23,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2014-04-25,Closed with monetary relief,Yes,No,CR0821216,2652
2014-04-23,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2014-04-29,Closed with explanation,Yes,No,CR0821389,1220
2014-04-23,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2014-04-30,Closed with non-monetary relief,Yes,No,CR0821910,2463
2014-04-23,Credit card,,Other,,,Older American,N/A,Phone,2014-04-30,Closed with explanation,Yes,Yes,CR0821995,4492
2014-04-25,Credit card,,Overlimit fee,,,,N/A,Phone,2014-04-30,Closed with explanation,Yes,No,CR0825611,1903
2014-04-25,Bank account or service,Checking account,"Making/receiving payments, sending money",,,"Older American, Servicemember",N/A,Phone,2014-04-30,Closed with explanation,Yes,Yes,CR0826568,2037
2014-04-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-04-30,Closed with non-monetary relief,Yes,No,CR0827900,3472
2014-04-29,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2014-05-01,Closed with monetary relief,Yes,No,CR0829894,4533
2014-04-29,Credit card,,Other fee,,,,N/A,Phone,2014-05-02,Closed with explanation,Yes,No,CR0830236,13151
2014-04-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-05-02,Closed with explanation,Yes,No,CR0830926,1861
2014-04-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-05-02,Closed with explanation,Yes,No,CR0832150,1978
2014-04-30,Credit card,,Transaction issue,,,,N/A,Phone,2014-05-05,Closed with monetary relief,Yes,No,CR0832535,1396
2014-04-30,Credit card,,Other,,,Older American,N/A,Phone,2014-05-05,Closed with explanation,Yes,Yes,CR0832612,4574
2014-05-01,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Phone,2014-05-06,Closed with explanation,Yes,No,CR0834285,1803
2014-05-02,Bank account or service,Checking account,Using a debit or ATM card,,,"Older American, Servicemember",N/A,Phone,2014-05-06,Closed with monetary relief,Yes,No,CR0835527,4570
2014-05-02,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Phone,2014-05-06,Closed with explanation,Yes,Yes,CR0835822,3948
2014-05-05,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2014-05-07,Closed with explanation,Yes,No,CR0837979,1193
2014-05-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-05-12,Closed with monetary relief,Yes,No,CR0842522,4660
2014-05-09,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-05-14,Closed with non-monetary relief,Yes,No,CR0846248,1053
2014-05-12,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-05-15,Closed with explanation,Yes,No,CR0847796,4064
2014-05-12,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2014-05-15,Closed with monetary relief,Yes,No,CR0847988,4755
2014-05-14,Bank account or service,Savings account,Problems caused by my funds being low,,,Older American,N/A,Phone,2014-05-16,Closed with monetary relief,Yes,No,CR0851842,5398
2014-05-14,Credit card,,Billing disputes,,,Older American,N/A,Phone,2014-06-02,Closed with explanation,Yes,No,CR0852258,181
2014-05-14,Credit card,,Customer service / Customer relations,,,Older American,N/A,Phone,2014-05-16,Closed with explanation,Yes,No,CR0852324,5606
2014-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-05-16,Closed with explanation,Yes,No,CR0852356,11304
2014-05-14,Bank account or service,Savings account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2014-05-16,Closed with explanation,Yes,No,CR0852994,6299
2014-05-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2014-05-19,Closed with explanation,Yes,No,CR0853602,411
2014-05-15,Credit card,,Transaction issue,,,Older American,N/A,Phone,2014-05-19,Closed with explanation,Yes,No,CR0853615,524
2014-05-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-05-19,Closed with monetary relief,Yes,No,CR0854698,3661
2014-05-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2014-05-19,Closed with explanation,Yes,No,CR0854828,2691
2014-05-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-05-20,Closed with explanation,Yes,No,CR0857056,6485
2014-05-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-05-20,Closed with explanation,Yes,No,CR0857107,285
2014-05-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-05-20,Closed with monetary relief,Yes,No,CR0857985,5337
2014-05-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2014-05-22,Closed with explanation,Yes,Yes,CR0861718,3843
2014-05-21,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2014-05-22,Closed with explanation,Yes,No,CR0862092,903
2014-05-21,Credit card,,Other,,,Older American,N/A,Phone,2014-05-22,Closed with explanation,Yes,No,CR0862109,1833
2014-05-21,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Phone,2014-05-22,Closed with monetary relief,Yes,No,CR0862825,4112
2014-05-21,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Phone,2014-05-23,Closed with explanation,Yes,No,CR0863156,2883
2014-05-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-05-22,Closed with explanation,Yes,No,CR0863490,2271
2014-05-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-05-23,Closed with explanation,Yes,No,CR0864186,1240
2014-05-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-05-27,Closed with monetary relief,Yes,No,CR0864701,4325
2014-05-22,Credit card,,Other,,,Older American,N/A,Phone,2014-05-27,Closed with explanation,Yes,No,CR0865061,3668
2014-05-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2014-05-27,Closed with explanation,Yes,Yes,CR0865127,2155
2014-05-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-05-28,Closed with explanation,Yes,No,CR0866267,1745
2014-05-23,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2014-05-28,Closed with monetary relief,Yes,No,CR0866624,6499
2014-05-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-05-28,Closed with non-monetary relief,Yes,No,CR0866742,4650
2014-05-23,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2014-05-29,Closed,Yes,No,CR0866930,782
2014-05-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-05-29,Closed with explanation,Yes,No,CR0867044,354
2014-05-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-06-03,Closed with monetary relief,Yes,No,CR0870494,9915
2014-05-28,Bank account or service,Savings account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2014-06-03,Closed with explanation,Yes,No,CR0870603,4687
2014-05-28,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-06-03,Closed with explanation,Yes,Yes,CR0870916,2471
2014-05-29,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-06-04,Closed with monetary relief,Yes,No,CR0872927,1829
2014-05-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-06-10,Closed with explanation,Yes,No,CR0874908,492
2014-06-02,Credit card,,Application processing delay,,,Older American,N/A,Phone,2014-06-05,Closed with explanation,Yes,No,CR0876716,2429
2014-06-02,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-06-05,Closed with explanation,Yes,No,CR0876761,3434
2014-06-02,Credit card,,Advertising and marketing,,,,N/A,Phone,2014-06-05,Closed with explanation,Yes,No,CR0877395,3528
2014-06-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2014-06-06,Closed with explanation,Yes,No,CR0878092,3310
2014-06-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-06-10,Closed with explanation,Yes,No,CR0883041,4754
2014-06-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-06-09,Closed with monetary relief,Yes,No,CR0883141,3548
2014-06-06,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2014-06-10,Closed with non-monetary relief,Yes,No,CR0884833,2210
2014-06-09,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2014-06-10,Closed with explanation,Yes,No,CR0885869,1181
2014-06-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-06-11,Closed with explanation,Yes,No,CR0886718,264
2014-06-09,Credit card,,Transaction issue,,,,N/A,Phone,2014-06-11,Closed with explanation,Yes,No,CR0887364,4214
2014-06-10,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2014-06-11,Closed with explanation,Yes,No,CR0887905,25
2014-06-11,Credit card,,Payoff process,,,Older American,N/A,Phone,2014-06-12,Closed with explanation,Yes,Yes,CR0889915,2337
2014-06-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-06-12,Closed with explanation,Yes,No,CR0890229,1648
2014-06-11,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2014-06-13,Closed with monetary relief,Yes,No,CR0890479,1793
2014-06-11,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Phone,2014-06-13,Closed with monetary relief,Yes,No,CR0890750,255
2014-06-12,Credit card,,Credit determination,,,,N/A,Phone,2014-06-16,Closed with explanation,Yes,No,CR0893345,2857
2014-06-13,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-06-17,Closed with monetary relief,Yes,No,CR0893944,2288
2014-06-16,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2014-06-18,Closed with monetary relief,Yes,No,CR0896126,507
2014-06-16,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2014-06-19,Closed with explanation,Yes,No,CR0896783,10492
2014-06-17,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2014-06-19,Closed with explanation,Yes,No,CR0898715,11327
2014-06-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2014-06-20,Closed with explanation,Yes,No,CR0899296,1669
2014-06-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-06-20,Closed with explanation,Yes,No,CR0899958,8217
2014-06-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2014-06-20,Closed with monetary relief,Yes,No,CR0900115,2795
2014-06-19,Credit card,,Transaction issue,,,Older American,N/A,Phone,2014-06-23,Closed with explanation,Yes,No,CR0901375,4283
2014-06-19,Credit card,,Billing statement,,,,N/A,Phone,2014-06-23,Closed with explanation,Yes,Yes,CR0901854,2366
2014-06-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-06-24,Closed with explanation,Yes,No,CR0901949,1525
2014-06-20,Credit card,,Other,,,,N/A,Phone,2014-06-25,Closed with explanation,Yes,Yes,CR0904643,1566
2014-06-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2014-06-24,Closed with explanation,Yes,No,CR0904736,9428
2014-06-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-06-24,Closed with explanation,Yes,No,CR0904796,603
2014-06-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2014-06-26,Closed with explanation,Yes,Yes,CR0905587,10096
2014-06-23,Credit card,,Billing disputes,,,Older American,N/A,Phone,2014-06-25,Closed with explanation,Yes,No,CR0906459,4665
2014-06-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-06-26,Closed with explanation,Yes,No,CR0908830,2238
2014-06-26,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2014-06-30,Closed with monetary relief,Yes,No,CR0912820,1336
2014-06-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-06-30,Closed with explanation,Yes,No,CR0913199,1206
2014-06-27,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2014-07-02,Closed with explanation,Yes,No,CR0915111,4654
2014-06-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-07-02,Closed with explanation,Yes,No,CR0915460,3213
2014-06-30,Credit card,,Customer service / Customer relations,,,Older American,N/A,Phone,2014-07-07,Closed with explanation,Yes,No,CR0916329,9675
2014-06-30,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2014-07-03,Closed with explanation,Yes,Yes,CR0917023,6571
2014-07-02,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Phone,2014-07-08,Closed with explanation,Yes,No,CR0920939,3762
2014-07-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-07-09,Closed with monetary relief,Yes,No,CR0922953,3512
2014-07-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-07-10,Closed with explanation,Yes,No,CR0926519,3392
2014-07-08,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Phone,2014-07-11,Closed with monetary relief,Yes,No,CR0927011,11638
2014-07-08,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2014-07-11,Closed with explanation,Yes,No,CR0928499,4299
2014-07-09,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-07-14,Closed with explanation,Yes,No,CR0928909,1536
2014-07-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-07-16,Closed with monetary relief,Yes,No,CR0933214,2791
2014-07-11,Credit card,,Billing disputes,,,Older American,N/A,Phone,2014-07-16,Closed with explanation,Yes,No,CR0933501,5241
2014-07-14,Credit card,,Other,,,"Older American, Servicemember",N/A,Phone,2014-07-17,Closed with explanation,Yes,No,CR0935400,11875
2014-07-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-07-18,Closed with explanation,Yes,No,CR0936126,4510
2014-07-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-07-18,Closed with monetary relief,Yes,No,CR0937550,7683
2014-07-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-07-21,Closed with monetary relief,Yes,No,CR0939780,1380
2014-07-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-07-22,Closed with monetary relief,Yes,No,CR0939966,1150
2014-07-16,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2014-07-21,Closed with non-monetary relief,Yes,No,CR0940476,3871
2014-07-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-07-22,Closed with explanation,Yes,No,CR0941507,1762
2014-07-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-07-22,Closed with monetary relief,Yes,No,CR0941636,3073
2014-07-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-07-22,Closed with non-monetary relief,Yes,No,CR0941696,4072
2014-07-18,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-07-23,Closed with explanation,Yes,No,CR0943427,1102
2014-07-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-07-24,Closed with monetary relief,Yes,No,CR0945867,242
2014-07-21,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2014-07-24,Closed with explanation,Yes,No,CR0945961,1253
2014-07-21,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2014-07-24,Closed with explanation,Yes,No,CR0946279,1450
2014-07-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-07-24,Closed with explanation,Yes,No,CR0946608,2399
2014-07-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-07-24,Closed with explanation,Yes,No,CR0946814,2371
2014-07-21,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2014-07-24,Closed with explanation,Yes,No,CR0946890,897
2014-07-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-07-28,Closed with monetary relief,Yes,No,CR0950426,13412
2014-07-25,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-07-29,Closed with non-monetary relief,Yes,No,CR0954418,660
2014-07-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2014-08-25,Closed with explanation,Yes,No,CR0955187,3621
2014-07-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-07-30,Closed with explanation,Yes,No,CR0956210,4929
2014-07-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-07-31,Closed with explanation,Yes,No,CR0957398,4323
2014-07-29,Credit card,,Other,,,,N/A,Phone,2014-07-31,Closed with explanation,Yes,No,CR0958459,826
2014-07-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-07-31,Closed with explanation,Yes,No,CR0958704,3265
2014-07-29,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2014-07-31,Closed with monetary relief,Yes,No,CR0958754,2439
2014-07-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-08-01,Closed with monetary relief,Yes,No,CR0960401,325
2014-07-30,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-08-01,Closed with explanation,Yes,No,CR0960969,884
2014-07-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2014-08-04,Closed with monetary relief,Yes,Yes,CR0961074,4440
2014-08-01,Credit card,,Credit card protection / Debt protection,,,,N/A,Phone,2014-08-05,Closed with explanation,Yes,No,CR0964178,5460
2014-08-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2014-08-06,Closed with explanation,Yes,No,CR0965282,4777
2014-08-04,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2014-08-06,Closed with explanation,Yes,No,CR0966709,371
2014-08-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-08-06,Closed with monetary relief,Yes,No,CR0966865,3454
2014-08-04,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Phone,2014-08-06,Closed with non-monetary relief,Yes,Yes,CR0967142,2299
2014-08-05,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-08-07,Closed with explanation,Yes,No,CR0968847,997
2014-08-05,Credit card,,Payoff process,,,,N/A,Phone,2014-08-07,Closed with explanation,Yes,Yes,CR0968970,8677
2014-08-05,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2014-08-07,Closed with explanation,Yes,No,CR0969575,3654
2014-08-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-08-07,Closed with explanation,Yes,No,CR0970075,11768
2014-08-06,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-08-07,Closed with monetary relief,Yes,No,CR0971106,4113
2014-08-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-08-08,Closed with explanation,Yes,No,CR0971864,4741
2014-08-08,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2014-08-12,Closed with explanation,Yes,Yes,CR0975761,1408
2014-08-11,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-08-13,Closed with explanation,Yes,Yes,CR0977307,3006
2014-08-12,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-08-15,Closed with explanation,Yes,No,CR0981094,689
2014-08-14,Credit card,,Transaction issue,,,Older American,N/A,Phone,2014-08-18,Closed with explanation,Yes,Yes,CR0984435,2409
2014-08-18,Credit card,,Credit determination,,,,N/A,Phone,2014-08-20,Closed with explanation,Yes,No,CR0988878,2179
2014-08-20,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-08-22,Closed with explanation,Yes,No,CR0992782,2830
2014-08-21,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-08-26,Closed with explanation,Yes,No,CR0995102,429
2014-08-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-08-28,Closed with monetary relief,Yes,No,CR0998650,4204
2014-08-25,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2014-08-28,Closed with explanation,Yes,No,CR1000094,2064
2014-08-27,Credit card,,Late fee,,,,N/A,Phone,2014-09-02,Closed with explanation,Yes,No,CR1003640,9844
2014-08-28,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Servicemember,N/A,Phone,2014-09-03,Closed with explanation,Yes,No,CR1006682,5093
2014-08-29,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2014-09-04,Closed with non-monetary relief,Yes,No,CR1006954,520
2014-08-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-09-04,Closed with monetary relief,Yes,No,CR1007048,9196
2014-08-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-09-04,Closed with monetary relief,Yes,No,CR1007386,2827
2014-08-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-09-04,Closed with non-monetary relief,Yes,No,CR1008267,6545
2014-08-29,Credit card,,Billing disputes,,,,N/A,Phone,2014-09-04,Closed with non-monetary relief,Yes,No,CR1008497,189
2014-09-02,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-09-05,Closed with monetary relief,Yes,Yes,CR1010389,4486
2014-09-02,Credit card,,Billing disputes,,,Servicemember,N/A,Phone,2014-09-08,Closed with monetary relief,Yes,No,CR1010499,5050
2014-09-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-09-05,Closed with explanation,Yes,No,CR1012307,3912
2014-09-04,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2014-09-09,Closed with explanation,Yes,No,CR1014922,2282
2014-09-09,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2014-09-11,Closed with explanation,Yes,No,CR1020674,1409
2014-09-09,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2014-09-12,Closed with explanation,Yes,No,CR1020809,4007
2014-09-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-09-12,Closed with monetary relief,Yes,No,CR1020836,1469
2014-09-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2014-09-12,Closed with non-monetary relief,Yes,No,CR1022251,24
2014-09-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-09-16,Closed with explanation,No,No,CR1023103,1042
2014-09-10,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2014-09-16,Closed with explanation,No,No,CR1023417,1534
2014-09-11,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2014-09-16,Closed with explanation,Yes,No,CR1024751,6122
2014-09-12,Credit card,,Balance transfer,,,"Older American, Servicemember",N/A,Phone,2014-09-17,Closed with explanation,Yes,Yes,CR1026897,521
2014-09-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-09-17,Closed with explanation,Yes,No,CR1027234,2447
2014-09-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-09-19,Closed with explanation,Yes,Yes,CR1030767,2783
2014-09-17,Credit card,,Advertising and marketing,,,,N/A,Phone,2014-09-17,Closed with explanation,Yes,No,CR1032476,3333
2014-09-17,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-09-22,Closed with non-monetary relief,Yes,No,CR1032621,4066
2014-09-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2014-09-23,Closed with explanation,Yes,Yes,CR1032824,11130
2014-09-17,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2014-09-23,Closed with explanation,Yes,No,CR1033187,4651
2014-09-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-09-24,Closed with explanation,Yes,No,CR1035040,8615
2014-09-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-09-24,Closed with non-monetary relief,Yes,No,CR1035138,5402
2014-09-22,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2014-09-23,Closed with explanation,Yes,No,CR1038993,13924
2014-09-22,Credit card,,Customer service / Customer relations,,,Older American,N/A,Phone,2014-09-29,Closed with explanation,Yes,No,CR1039684,824
2014-09-23,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-09-30,Closed with explanation,Yes,No,CR1041219,4291
2014-09-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-10-23,Closed with explanation,Yes,Yes,CR1042559,3925
2014-09-25,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2014-10-01,Closed,Yes,No,CR1045717,4161
2014-09-26,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-10-02,Closed with non-monetary relief,Yes,No,CR1047129,3110
2014-09-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Servicemember,N/A,Phone,2014-09-30,Closed with explanation,Yes,No,CR1047535,863
2014-09-29,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2014-10-03,Closed with monetary relief,Yes,No,CR1048914,738
2014-09-29,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-09-30,Closed with monetary relief,Yes,No,CR1049747,3900
2014-09-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-09-30,Closed with explanation,Yes,Yes,CR1050129,3380
2014-09-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-10-06,Closed with explanation,Yes,No,CR1051017,1789
2014-09-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-10-23,Closed with explanation,Yes,No,CR1051274,2137
2014-09-30,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-10-06,Closed with non-monetary relief,Yes,No,CR1051584,3714
2014-09-30,Credit card,,Transaction issue,,,,N/A,Phone,2014-10-01,Closed with monetary relief,Yes,No,CR1051983,1518
2014-10-01,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2014-10-07,Closed with monetary relief,Yes,No,CR1053063,2535
2014-10-01,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Phone,2014-10-07,Closed with explanation,Yes,No,CR1053303,465
2014-10-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2014-10-07,Closed with explanation,Yes,No,CR1053456,857
2014-10-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-10-07,Closed with explanation,Yes,No,CR1053822,3571
2014-10-02,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-10-08,Closed with monetary relief,Yes,Yes,CR1055535,4167
2014-10-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-10-08,Closed with explanation,Yes,No,CR1055614,6922
2014-10-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2014-10-08,Closed with monetary relief,Yes,No,CR1056763,2988
2014-10-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-10-09,Closed with monetary relief,Yes,No,CR1057462,3347
2014-10-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-10-06,Closed with monetary relief,Yes,No,CR1059182,8287
2014-10-07,Credit card,,Other,,,Older American,N/A,Phone,2014-10-15,Closed with explanation,Yes,Yes,CR1061943,1423
2014-10-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-10-15,Closed with monetary relief,Yes,No,CR1063370,182
2014-10-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2014-10-15,Closed with monetary relief,Yes,No,CR1063745,2270
2014-10-09,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Servicemember,N/A,Phone,2014-10-16,Closed with explanation,Yes,Yes,CR1065661,1659
2014-10-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2014-10-16,Closed with non-monetary relief,Yes,No,CR1065888,476
2014-10-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-10-20,Closed with explanation,Yes,No,CR1069253,3794
2014-10-14,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2014-10-20,Closed with monetary relief,Yes,No,CR1070389,2572
2014-10-15,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2014-10-22,Closed with explanation,Yes,Yes,CR1072258,4215
2014-10-16,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-10-22,Closed with explanation,Yes,No,CR1073591,2300
2014-10-16,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Phone,2014-10-22,Closed with explanation,Yes,No,CR1073649,11372
2014-10-17,Credit card,,Billing disputes,,,,N/A,Phone,2014-10-23,Closed with monetary relief,Yes,No,CR1075366,2679
2014-10-17,Credit card,,Advertising and marketing,,,Older American,N/A,Phone,2014-10-20,Closed with explanation,Yes,Yes,CR1075735,97
2014-10-20,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-10-24,Closed with explanation,Yes,No,CR1077267,136
2014-10-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-10-24,Closed with explanation,Yes,No,CR1077284,6112
2014-10-21,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-10-27,Closed with non-monetary relief,Yes,No,CR1080081,312
2014-10-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-10-27,Closed with explanation,Yes,No,CR1080184,3324
2014-10-22,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2014-10-27,Closed with non-monetary relief,Yes,No,CR1081640,3909
2014-10-22,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2014-10-28,Closed with explanation,Yes,No,CR1081889,4154
2014-10-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-10-27,Closed with explanation,Yes,No,CR1082308,2121
2014-10-22,Credit card,,Other,,,,N/A,Phone,2014-10-31,Closed with explanation,Yes,No,CR1082426,4453
2014-10-28,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Phone,2014-11-03,Closed with explanation,Yes,No,CR1087335,3272
2014-10-27,Credit card,,Customer service / Customer relations,,,Older American,N/A,Phone,2014-12-08,Closed with explanation,Yes,No,CR1090492,285
2014-10-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2014-10-31,Closed with explanation,Yes,Yes,CR1090694,503
2014-10-29,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-11-04,Closed with explanation,Yes,No,CR1092003,1952
2014-10-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-11-06,Closed with explanation,Yes,No,CR1092153,3689
2014-10-30,Credit card,,Other,,,Older American,N/A,Phone,2014-11-05,Closed with explanation,Yes,No,CR1093316,2373
2014-10-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-11-05,Closed with explanation,Yes,No,CR1096086,3489
2014-10-31,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2014-11-05,Closed with monetary relief,Yes,No,CR1096380,3256
2014-11-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2014-11-05,Closed with non-monetary relief,Yes,No,CR1099410,4221
2014-11-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-11-05,Closed with explanation,Yes,No,CR1101166,316
2014-11-04,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-11-05,Closed with explanation,Yes,No,CR1101702,3591
2014-11-05,Credit card,,Late fee,,,,N/A,Phone,2014-11-05,Closed with non-monetary relief,Yes,No,CR1102877,1619
2014-11-05,Credit card,,Billing disputes,,,,N/A,Phone,2014-11-10,Closed with explanation,Yes,No,CR1103153,677
2014-11-05,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2014-11-05,Closed with monetary relief,Yes,Yes,CR1104442,529
2014-11-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-11-06,Closed with explanation,No,No,CR1104515,10090
2014-11-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-11-06,Closed with explanation,No,No,CR1105038,923
2014-11-10,Credit card,,Other,,,Older American,N/A,Phone,2014-11-13,Closed with explanation,Yes,No,CR1110334,4241
2014-11-13,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2014-11-13,Closed with explanation,Yes,No,CR1114552,4698
2014-11-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2014-11-16,Closed with explanation,Yes,No,CR1117093,1286
2014-11-14,Credit card,,Other,,,,N/A,Phone,2014-11-16,Closed with explanation,Yes,Yes,CR1117472,4112
2014-11-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-11-19,Closed with explanation,Yes,No,CR1121248,10543
2014-11-17,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2014-11-18,Closed with non-monetary relief,Yes,No,CR1121720,3314
2014-11-18,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-11-19,Closed with explanation,Yes,Yes,CR1122473,1556
2014-11-20,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-11-24,Closed with explanation,Yes,No,CR1124251,4268
2014-11-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-11-24,Closed with explanation,Yes,No,CR1124805,3863
2014-11-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-11-20,Closed with explanation,Yes,No,CR1126906,4686
2014-11-24,Credit card,,Identity theft / Fraud / Embezzlement,,,"Older American, Servicemember",N/A,Phone,2014-12-01,Closed with explanation,Yes,No,CR1128691,3359
2014-11-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-11-25,Closed with explanation,Yes,No,CR1129618,4489
2014-11-26,Credit card,,APR or interest rate,,,,N/A,Phone,2014-12-01,Closed with explanation,Yes,No,CR1133934,4127
2014-11-21,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2014-12-01,Closed with explanation,Yes,Yes,CR1134641,4487
2014-11-28,Credit card,,Transaction issue,,,Older American,N/A,Phone,2014-12-01,Closed with explanation,Yes,Yes,CR1135198,3131
2014-12-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-12-03,Closed with monetary relief,Yes,Yes,CR1138762,11545
2014-12-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-12-03,Closed with monetary relief,Yes,No,CR1139036,453
2014-12-02,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2014-12-05,Closed with explanation,Yes,No,CR1139332,895
2014-12-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-12-03,Closed with explanation,Yes,No,CR1139617,2802
2014-12-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-12-03,Closed with explanation,Yes,No,CR1140677,2028
2014-12-03,Credit card,,Transaction issue,,,Older American,N/A,Phone,2014-12-03,Closed with explanation,Yes,Yes,CR1141265,3184
2014-12-04,Credit card,,Credit card protection / Debt protection,,,,N/A,Phone,2014-12-04,Closed with monetary relief,Yes,Yes,CR1142131,304
2014-12-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-12-05,Closed with explanation,Yes,No,CR1144605,4112
2014-12-05,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Phone,2014-12-08,Closed with explanation,Yes,No,CR1145846,3929
2014-12-06,Credit card,,Transaction issue,,,,N/A,Phone,2014-12-08,Closed with explanation,Yes,Yes,CR1145847,2621
2014-12-08,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Phone,2014-12-09,Closed with explanation,Yes,No,CR1146361,9273
2014-12-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2014-12-09,Closed with explanation,Yes,No,CR1148422,13051
2014-12-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-12-10,Closed with explanation,Yes,No,CR1149078,1308
2014-12-10,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2014-12-10,Closed with explanation,Yes,Yes,CR1150468,3288
2014-12-10,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2014-12-11,Closed with non-monetary relief,Yes,No,CR1151069,3151
2014-12-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-12-11,Closed with explanation,Yes,No,CR1152612,70
2014-12-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-12-11,Closed with explanation,Yes,No,CR1152841,934
2014-12-15,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2014-12-17,Closed with non-monetary relief,Yes,No,CR1157353,7390
2014-12-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-12-17,Closed with explanation,Yes,Yes,CR1157390,3840
2014-12-19,Credit card,,Advertising and marketing,,,,N/A,Phone,2014-12-22,Closed with explanation,Yes,No,CR1163786,2088
2014-12-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2014-12-22,Closed with explanation,Yes,No,CR1164935,11768
2014-12-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-12-29,Closed with explanation,Yes,No,CR1169485,203
2014-12-24,Credit card,,Credit card protection / Debt protection,,,,N/A,Phone,2014-12-31,Closed with explanation,Yes,No,CR1170197,3577
2014-12-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2014-12-29,Closed with explanation,Yes,No,CR1170536,1801
2014-12-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2014-12-30,Closed with non-monetary relief,Yes,No,CR1171074,1499
2014-12-26,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2015-01-05,Closed with explanation,Yes,No,CR1171839,2913
2014-12-30,Credit card,,Advertising and marketing,,,Older American,N/A,Phone,2015-01-05,Closed with explanation,Yes,No,CR1174574,4263
2014-12-30,Credit card,,Other,,,,N/A,Phone,2015-02-02,Closed with explanation,Yes,No,CR1175408,5002
2014-12-31,Credit card,,Credit card protection / Debt protection,,,,N/A,Phone,2015-01-07,Closed with explanation,Yes,No,CR1176545,12490
2014-12-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-01-05,Closed with non-monetary relief,Yes,No,CR1177128,11149
2015-01-02,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2015-01-05,Closed with monetary relief,Yes,No,CR1178631,5323
2015-01-05,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2015-02-10,Closed with explanation,Yes,No,CR1180194,5204
2015-01-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-01-07,Closed with non-monetary relief,Yes,No,CR1180277,1781
2015-01-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-01-07,Closed with explanation,Yes,No,CR1180608,4904
2015-01-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-01-07,Closed with explanation,Yes,No,CR1181478,4171
2015-01-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-01-07,Closed with explanation,Yes,No,CR1182209,344
2015-01-06,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2015-01-07,Closed with explanation,Yes,No,CR1183135,3236
2015-01-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-01-06,Closed with explanation,Yes,Yes,CR1183320,5860
2015-01-07,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Phone,2015-01-07,Closed with explanation,Yes,No,CR1184561,2301
2015-01-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-01-12,Closed with explanation,Yes,No,CR1188221,2126
2015-01-14,Credit card,,Billing disputes,,,Older American,N/A,Phone,2015-01-16,Closed with explanation,Yes,No,CR1193013,400
2015-01-14,Credit card,,Other,,,Servicemember,N/A,Phone,2015-01-16,Closed with explanation,Yes,No,CR1193014,4334
2015-01-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-01-16,Closed with monetary relief,Yes,No,CR1194490,4226
2015-01-16,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2015-01-21,Closed with non-monetary relief,Yes,No,CR1197195,3038
2015-01-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-01-21,Closed with explanation,Yes,No,CR1200162,581
2015-01-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-01-22,Closed,Yes,Yes,CR1202740,3605
2015-01-22,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2015-01-27,Closed with monetary relief,Yes,No,CR1204814,1227
2015-01-23,Credit card,,Billing disputes,,,,N/A,Phone,2015-01-26,Closed with explanation,Yes,No,CR1206555,4601
2015-01-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-01-30,Closed with explanation,Yes,Yes,CR1217038,7
2015-01-30,Credit card,,Other,,,,N/A,Phone,2015-01-30,Closed with explanation,Yes,No,CR1218028,13090
2015-01-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-01-30,Closed with explanation,Yes,No,CR1218081,1457
2015-01-30,Credit card,,Transaction issue,,,,N/A,Phone,2015-01-30,Closed with explanation,Yes,No,CR1218136,3662
2015-02-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-02-03,Closed with explanation,Yes,No,CR1219922,327
2015-02-02,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2015-02-03,Closed with explanation,Yes,No,CR1220052,1478
2015-02-02,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2015-02-03,Closed with explanation,Yes,Yes,CR1220809,1341
2015-02-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-02-03,Closed with monetary relief,Yes,No,CR1221333,2239
2015-02-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-02-04,Closed with monetary relief,Yes,No,CR1222263,2098
2015-02-03,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-02-03,Closed with monetary relief,Yes,No,CR1223451,2375
2015-02-04,Credit card,,Billing disputes,,,,N/A,Phone,2015-02-05,Closed with explanation,Yes,No,CR1223761,3960
2015-02-04,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2015-02-05,Closed with explanation,Yes,No,CR1223763,3245
2015-02-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2015-02-05,Closed with explanation,Yes,No,CR1223764,2139
2015-02-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-02-05,Closed with explanation,Yes,No,CR1225403,4
2015-02-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-02-05,Closed with monetary relief,Yes,Yes,CR1225910,3920
2015-02-05,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Phone,2015-02-09,Closed with explanation,Yes,No,CR1227143,3132
2015-02-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-02-09,Closed with explanation,Yes,Yes,CR1229468,9316
2015-02-10,Credit card,,APR or interest rate,,,,N/A,Phone,2015-02-18,Closed with explanation,Yes,No,CR1232713,1827
2015-02-10,Credit card,,Sale of account,,,"Older American, Servicemember",N/A,Phone,2015-02-11,Closed with explanation,Yes,No,CR1234067,1730
2015-02-10,Credit card,,Billing disputes,,,Older American,N/A,Phone,2015-02-11,Closed with explanation,Yes,Yes,CR1234068,2953
2015-02-12,Credit card,,Other,,,Servicemember,N/A,Phone,2015-02-19,Closed with non-monetary relief,Yes,No,CR1237162,3492
2015-02-12,Credit card,,APR or interest rate,,,,N/A,Phone,2015-02-12,Closed with explanation,Yes,No,CR1237253,6001
2015-02-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-02-19,Closed with explanation,Yes,Yes,CR1237871,3205
2015-02-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-02-13,Closed with explanation,Yes,No,CR1237951,5108
2015-02-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2015-02-13,Closed with explanation,Yes,No,CR1238096,4552
2015-02-12,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-02-13,Closed with explanation,Yes,No,CR1238559,1999
2015-02-13,Credit card,,Billing disputes,,,,N/A,Phone,2015-02-13,Closed with explanation,Yes,No,CR1239610,1942
2015-02-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-02-18,Closed with explanation,Yes,No,CR1240321,101
2015-02-17,Credit card,,Delinquent account,,,,N/A,Phone,2015-02-18,Closed with non-monetary relief,Yes,Yes,CR1242093,1580
2015-02-18,Credit card,,Other,,,,N/A,Phone,2015-02-23,Closed with explanation,Yes,No,CR1244183,824
2015-02-18,Credit card,,Billing disputes,,,,N/A,Phone,2015-02-25,Closed with explanation,Yes,No,CR1245783,13447
2015-02-19,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-02-20,Closed with explanation,Yes,No,CR1246304,3536
2015-02-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2015-02-26,Closed with explanation,Yes,No,CR1248564,2833
2015-02-20,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2015-02-26,Closed with non-monetary relief,Yes,Yes,CR1248667,11683
2015-02-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2015-02-26,Closed with explanation,Yes,Yes,CR1250235,2683
2015-02-23,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2015-02-24,Closed with explanation,Yes,Yes,CR1251375,99
2015-02-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2015-02-24,Closed with explanation,Yes,No,CR1253770,3342
2015-02-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-02-26,Closed with explanation,Yes,No,CR1254909,2442
2015-02-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2015-02-26,Closed with explanation,Yes,No,CR1256779,2000
2015-02-25,Credit card,,Transaction issue,,,,N/A,Phone,2015-03-04,Closed with monetary relief,Yes,No,CR1257105,3095
2015-02-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-02-27,Closed with explanation,Yes,No,CR1259112,2690
2015-02-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-03-02,Closed with explanation,Yes,No,CR1261191,150
2015-02-27,Credit card,,Other,,,,N/A,Phone,2015-03-04,Closed with explanation,Yes,Yes,CR1261250,2223
2015-02-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-03-02,Closed with explanation,Yes,Yes,CR1261688,962
2015-02-28,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2015-03-02,Closed with explanation,Yes,No,CR1261735,2910
2015-03-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-03-02,Closed with explanation,Yes,No,CR1262576,2811
2015-03-02,Credit card,,Billing statement,,,"Older American, Servicemember",N/A,Phone,2015-03-02,Closed with explanation,Yes,No,CR1262597,4430
2015-03-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-03-09,Closed with non-monetary relief,Yes,No,CR1263228,4755
2015-03-04,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-03-11,Closed with explanation,Yes,No,CR1266998,775
2015-03-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,"Older American, Servicemember",N/A,Phone,2015-03-05,Closed with monetary relief,Yes,Yes,CR1268482,13171
2015-03-05,Bank account or service,Other bank product/service,Using a debit or ATM card,,,Older American,N/A,Phone,2015-03-06,Closed with explanation,Yes,No,CR1268542,5761
2015-03-05,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2015-03-06,Closed with explanation,Yes,No,CR1269117,11034
2015-03-05,Bank account or service,Checking account,Using a debit or ATM card,,,Servicemember,N/A,Phone,2015-03-05,Closed with explanation,Yes,Yes,CR1269653,1101
2015-03-06,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2015-03-12,Closed with explanation,Yes,No,CR1272160,724
2015-03-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-03-09,Closed with monetary relief,Yes,No,CR1273234,1470
2015-03-09,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2015-03-10,Closed with explanation,Yes,No,CR1273691,2447
2015-03-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2015-03-10,Closed with explanation,Yes,No,CR1274016,4046
2015-03-10,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2015-03-10,Closed with explanation,Yes,No,CR1277072,9569
2015-03-11,Credit card,,Other fee,,,,N/A,Phone,2015-03-12,Closed with explanation,Yes,No,CR1277859,3488
2015-03-11,Credit card,,Other fee,,,,N/A,Phone,2015-03-12,Closed with non-monetary relief,Yes,No,CR1278609,2278
2015-03-11,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Servicemember,N/A,Phone,2015-03-12,Closed with monetary relief,Yes,No,CR1278856,4722
2015-03-12,Credit card,,Late fee,,,"Older American, Servicemember",N/A,Phone,2015-03-16,Closed with monetary relief,Yes,No,CR1279060,1853
2015-03-13,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2015-03-19,Closed with explanation,Yes,Yes,CR1281150,4341
2015-03-16,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2015-03-16,Closed with explanation,Yes,No,CR1284633,7
2015-03-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2015-03-25,Closed with explanation,Yes,Yes,CR1285304,489
2015-03-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-03-16,Closed with explanation,Yes,No,CR1285835,10303
2015-03-19,Credit card,,Delinquent account,,,,N/A,Phone,2015-03-23,Closed with non-monetary relief,Yes,No,CR1290596,2192
2015-03-19,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-03-25,Closed with explanation,Yes,No,CR1291159,1950
2015-03-19,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Phone,2015-03-23,Closed with monetary relief,Yes,No,CR1291323,1915
2015-03-23,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Phone,2015-03-24,Closed with explanation,Yes,Yes,CR1296052,11126
2015-03-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-03-24,Closed with explanation,Yes,No,CR1299755,3598
2015-03-25,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2015-03-30,Closed with monetary relief,Yes,No,CR1300384,3116
2015-03-25,Credit card,,Billing disputes,,,,N/A,Phone,2015-03-30,Closed with monetary relief,Yes,No,CR1301014,1938
2015-03-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-03-30,Closed with explanation,Yes,No,CR1301672,2034
2015-03-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-04-01,Closed with explanation,Yes,No,CR1303627,127
2015-03-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-03-30,Closed with explanation,Yes,No,CR1304629,5253
2015-03-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-04-02,Closed with explanation,Yes,No,CR1304708,1258
2015-03-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-03-30,Closed with explanation,Yes,No,CR1304939,2487
2015-03-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-04-20,Closed with explanation,Yes,No,CR1308008,2274
2015-03-31,Bank account or service,Checking account,Using a debit or ATM card,,,Servicemember,N/A,Phone,2015-04-03,Closed with explanation,Yes,No,CR1308861,2310
2015-04-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-04-03,Closed with explanation,Yes,No,CR1311422,4762
2015-04-02,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2015-04-03,Closed with explanation,Yes,No,CR1312489,4806
2015-04-02,Credit card,,Billing disputes,,,Older American,N/A,Phone,2015-04-06,Closed with explanation,Yes,No,CR1313322,3231
2015-04-07,Credit card,,Other,,,Older American,N/A,Phone,2015-04-09,Closed with explanation,Yes,No,CR1318424,125
2015-04-07,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2015-04-08,Closed with monetary relief,Yes,No,CR1319478,3998
2015-04-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-04-13,Closed with monetary relief,Yes,No,CR1324854,4329
2015-04-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-04-16,Closed with explanation,Yes,No,CR1327593,2599
2015-04-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-04-14,Closed with explanation,Yes,No,CR1327725,4603
2015-04-14,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-04-14,Closed with explanation,Yes,No,CR1330024,2128
2015-04-14,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2015-04-16,Closed with explanation,Yes,Yes,CR1330256,3768
2015-04-14,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-04-15,Closed with explanation,Yes,Yes,CR1330449,3396
2015-04-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-04-15,Closed with explanation,Yes,No,CR1331967,4794
2015-04-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-04-20,Closed with explanation,Yes,No,CR1332800,3933
2015-04-16,Bank account or service,Savings account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2015-04-20,Closed with explanation,Yes,No,CR1333052,454
2015-04-16,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2015-04-20,Closed with monetary relief,Yes,No,CR1333144,5067
2015-04-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-04-20,Closed with monetary relief,Yes,Yes,CR1335611,3841
2015-04-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2015-04-20,Closed with explanation,Yes,No,CR1336586,2441
2015-04-20,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2015-04-20,Closed with monetary relief,Yes,No,CR1336904,4004
2015-04-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-04-21,Closed with explanation,Yes,No,CR1337494,13285
2015-04-20,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-04-21,Closed with explanation,Yes,No,CR1337759,1694
2015-04-21,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2015-04-23,Closed with explanation,Yes,No,CR1340170,3834
2015-04-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-04-23,Closed with monetary relief,Yes,No,CR1341347,1645
2015-04-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-04-23,Closed with non-monetary relief,Yes,Yes,CR1342096,2590
2015-04-22,Bank account or service,Savings account,"Making/receiving payments, sending money",,,,N/A,Phone,2015-04-23,Closed with explanation,Yes,No,CR1342836,1977
2015-04-23,Credit card,,Application processing delay,,,,N/A,Phone,2015-04-27,Closed with explanation,Yes,No,CR1344918,3445
2015-04-24,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2015-04-27,Closed with explanation,Yes,Yes,CR1345104,108
2015-04-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-04-28,Closed with monetary relief,Yes,No,CR1348256,2502
2015-04-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2015-04-29,Closed with explanation,Yes,No,CR1350257,2813
2015-04-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-04-29,Closed with non-monetary relief,Yes,Yes,CR1351337,5117
2015-04-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-04-29,Closed with explanation,Yes,No,CR1351346,1004
2015-04-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-04-28,Closed with monetary relief,Yes,No,CR1351536,2582
2015-04-29,Credit card,,Other,,,Older American,N/A,Phone,2015-05-01,Closed with explanation,Yes,No,CR1352574,4077
2015-04-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-05-01,Closed with explanation,Yes,No,CR1355345,381
2015-04-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-05-04,Closed with explanation,Yes,No,CR1355614,1611
2015-05-01,Credit card,,Advertising and marketing,,,Older American,N/A,Phone,2015-05-04,Closed with monetary relief,Yes,No,CR1356748,3220
2015-05-01,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Phone,2015-05-04,Closed with explanation,Yes,No,CR1356968,504
2015-05-04,Credit card,,Identity theft / Fraud / Embezzlement,,,Servicemember,N/A,Phone,2015-05-04,Closed with explanation,Yes,No,CR1358476,11701
2015-05-04,Credit card,,Late fee,,,Older American,N/A,Phone,2015-05-05,Closed with monetary relief,Yes,No,CR1359962,1425
2015-05-06,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2015-05-06,Closed with explanation,Yes,No,CR1362797,948
2015-05-06,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-05-07,Closed with explanation,Yes,Yes,CR1363406,4010
2015-05-07,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2015-05-08,Closed with non-monetary relief,Yes,No,CR1365437,2253
2015-05-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-05-08,Closed with explanation,Yes,No,CR1366670,11866
2015-05-11,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Phone,2015-05-12,Closed with non-monetary relief,Yes,No,CR1368737,9933
2015-05-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-05-12,Closed with explanation,Yes,No,CR1369094,3507
2015-05-11,Credit card,,Other,,,"Older American, Servicemember",N/A,Phone,2015-05-12,Closed with explanation,Yes,No,CR1369318,12308
2015-05-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-05-12,Closed with explanation,Yes,No,CR1369575,4658
2015-05-11,Credit card,,Billing disputes,,,,N/A,Phone,2015-05-12,Closed with explanation,Yes,No,CR1369698,4384
2015-05-11,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2015-05-12,Closed with monetary relief,Yes,No,CR1370105,9273
2015-05-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-05-13,Closed with monetary relief,Yes,No,CR1373023,2591
2015-05-14,Credit card,,APR or interest rate,,,,N/A,Phone,2015-05-15,Closed with explanation,Yes,Yes,CR1374880,2697
2015-05-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-05-14,Closed with explanation,Yes,No,CR1375071,3144
2015-05-14,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2015-05-15,Closed with explanation,Yes,No,CR1376409,1510
2015-05-14,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2015-05-15,Closed with explanation,Yes,No,CR1376827,2011
2015-05-15,Credit card,,Customer service / Customer relations,,,Older American,N/A,Phone,2015-05-18,Closed with monetary relief,Yes,Yes,CR1378688,9250
2015-05-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-05-18,Closed with explanation,Yes,Yes,CR1378805,3606
2015-05-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-05-18,Closed with explanation,Yes,No,CR1380437,1587
2015-05-18,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2015-05-19,Closed with explanation,Yes,No,CR1380771,1720
2015-05-19,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2015-05-20,Closed with explanation,Yes,No,CR1381966,2860
2015-05-19,Credit card,,Rewards,,,,N/A,Phone,2015-05-19,Closed with non-monetary relief,Yes,No,CR1382637,2921
2015-05-20,Credit card,,APR or interest rate,,,,N/A,Phone,2015-05-20,Closed with monetary relief,Yes,No,CR1384318,3397
2015-05-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-05-20,Closed with explanation,Yes,No,CR1384709,12756
2015-05-20,Credit card,,Other,,,Servicemember,N/A,Phone,2015-05-21,Closed with explanation,Yes,No,CR1385420,2154
2015-05-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Servicemember,N/A,Phone,2015-05-26,Closed with monetary relief,Yes,No,CR1389480,1909
2015-05-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-05-26,Closed with explanation,Yes,No,CR1389700,2271
2015-05-26,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-05-27,Closed with explanation,Yes,No,CR1391275,24
2015-05-26,Credit card,,Transaction issue,,,"Older American, Servicemember",N/A,Phone,2015-05-27,Closed with explanation,Yes,No,CR1392290,690
2015-05-26,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2015-05-29,Closed with explanation,Yes,No,CR1392596,340
2015-05-26,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2015-05-28,Closed with explanation,Yes,No,CR1392684,4739
2015-05-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2015-05-29,Closed with explanation,Yes,Yes,CR1395360,4453
2015-05-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-05-29,Closed with explanation,Yes,No,CR1395362,1988
2015-05-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-06-01,Closed with explanation,Yes,Yes,CR1396453,2645
2015-06-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-06-02,Closed with explanation,Yes,No,CR1400590,8393
2015-06-02,Credit card,,Rewards,,,Older American,N/A,Phone,2015-06-03,Closed with explanation,Yes,No,CR1402032,6936
2015-06-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-06-04,Closed with explanation,Yes,No,CR1403320,3092
2015-06-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-06-04,Closed with explanation,Yes,No,CR1405178,380
2015-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-06-08,Closed with explanation,Yes,No,CR1406909,4233
2015-06-05,Credit card,,Billing statement,,,,N/A,Phone,2015-06-08,Closed with explanation,Yes,No,CR1408502,211
2015-06-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-06-08,Closed with non-monetary relief,Yes,No,CR1410011,2999
2015-06-08,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2015-06-10,Closed with explanation,Yes,No,CR1410375,46
2015-06-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-06-11,Closed with explanation,Yes,No,CR1413746,1774
2015-06-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-06-15,Closed with explanation,Yes,No,CR1416658,3413
2015-06-11,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2015-06-15,Closed with explanation,Yes,No,CR1417216,11121
2015-06-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-06-15,Closed with explanation,Yes,No,CR1418688,4190
2015-06-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-06-15,Closed with non-monetary relief,Yes,No,CR1418706,13113
2015-06-16,Credit card,,Other fee,,,"Older American, Servicemember",N/A,Phone,2015-06-17,Closed with monetary relief,Yes,No,CR1423243,8738
2015-06-16,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2015-06-17,Closed with explanation,Yes,No,CR1424520,4134
2015-06-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-06-19,Closed with non-monetary relief,Yes,No,CR1425657,3980
2015-06-17,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-06-19,Closed with monetary relief,Yes,Yes,CR1425772,2174
2015-06-17,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2015-06-19,Closed with explanation,Yes,No,CR1425951,1928
2015-06-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-06-19,Closed with explanation,Yes,No,CR1426496,1656
2015-06-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-06-19,Closed with explanation,Yes,No,CR1426940,12163
2015-06-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-06-23,Closed with explanation,Yes,No,CR1431425,11063
2015-06-22,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2015-06-23,Closed with explanation,Yes,No,CR1431880,419
2015-06-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-06-25,Closed with explanation,Yes,No,CR1432487,4345
2015-06-23,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2015-06-23,Closed with explanation,Yes,No,CR1433657,2965
2015-06-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-06-23,Closed with explanation,Yes,No,CR1433685,658
2015-06-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-06-23,Closed with monetary relief,Yes,No,CR1433701,1780
2015-06-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-06-25,Closed with explanation,Yes,No,CR1436880,3885
2015-06-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-06-25,Closed with monetary relief,Yes,No,CR1437540,1462
2015-06-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-06-26,Closed with monetary relief,Yes,No,CR1438258,1286
2015-06-29,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2015-06-30,Closed with explanation,Yes,No,CR1442167,5081
2015-06-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-07-01,Closed with explanation,Yes,No,CR1445912,1827
2015-07-01,Bank account or service,Savings account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2015-07-01,Closed with explanation,Yes,No,CR1446488,1151
2015-07-01,Credit card,,Other,,,,N/A,Phone,2015-07-02,Closed with explanation,Yes,No,CR1448026,2637
2015-07-01,Credit card,,Other,,,,N/A,Phone,2015-07-01,Closed with explanation,Yes,Yes,CR1448774,3063
2015-07-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-07-01,Closed with explanation,Yes,No,CR1448785,3051
2015-07-02,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-07-02,Closed with monetary relief,Yes,No,CR1448988,2438
2015-07-06,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-07-06,Closed with non-monetary relief,Yes,No,CR1452382,5287
2015-07-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-07-08,Closed with explanation,Yes,No,CR1454378,3213
2015-07-08,Credit card,,Delinquent account,,,Older American,N/A,Phone,2015-07-08,Closed with monetary relief,Yes,No,CR1456740,4651
2015-07-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-07-08,Closed with explanation,Yes,No,CR1456767,4559
2015-07-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-07-09,Closed with explanation,Yes,No,CR1458981,347
2015-07-09,Credit card,,Billing disputes,,,,N/A,Phone,2015-07-10,Closed with explanation,Yes,No,CR1460683,1195
2015-07-10,Credit card,,Closing/Cancelling account,,,Older American,N/A,Phone,2015-07-13,Closed with explanation,Yes,No,CR1461313,1828
2015-07-10,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Phone,2015-07-10,Closed with explanation,Yes,No,CR1462470,1476
2015-07-10,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2015-07-13,Closed with explanation,Yes,No,CR1462991,1806
2015-07-13,Credit card,,Other fee,,,,N/A,Phone,2015-07-13,Closed with monetary relief,Yes,No,CR1464403,5413
2015-07-13,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2015-07-13,Closed with explanation,Yes,No,CR1464728,8276
2015-07-13,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2015-07-14,Closed with explanation,Yes,No,CR1466020,1831
2015-07-14,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2015-07-15,Closed with explanation,Yes,No,CR1468273,406
2015-07-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-07-15,Closed with explanation,Yes,No,CR1468803,78
2015-07-15,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2015-07-16,Closed with explanation,Yes,No,CR1469576,4192
2015-07-20,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2015-07-21,Closed with explanation,Yes,Yes,CR1473987,7348
2015-07-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-07-20,Closed with monetary relief,Yes,Yes,CR1474183,4659
2015-07-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-07-21,Closed with explanation,Yes,No,CR1474300,3284
2015-07-21,Credit card,,Transaction issue,,,,N/A,Phone,2015-07-22,Closed with explanation,Yes,No,CR1478732,1818
2015-07-21,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2015-07-21,Closed with explanation,Yes,No,CR1478733,12859
2015-07-22,Credit card,,Billing disputes,,,,N/A,Phone,2015-07-22,Closed with explanation,Yes,Yes,CR1480557,3459
2015-07-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-07-24,Closed,Yes,No,CR1483574,2727
2015-07-23,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2015-07-24,Closed with explanation,Yes,No,CR1483676,3542
2015-07-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-07-24,Closed with explanation,Yes,No,CR1484573,2509
2015-07-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-07-24,Closed with explanation,Yes,Yes,CR1484719,4689
2015-07-24,Bank account or service,Checking account,"Making/receiving payments, sending money",,,"Older American, Servicemember",N/A,Phone,2015-07-24,Closed with explanation,Yes,No,CR1485421,1772
2015-07-24,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2015-07-25,Closed with non-monetary relief,Yes,Yes,CR1485639,4819
2015-07-24,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2015-07-25,Closed with explanation,Yes,No,CR1486127,4927
2015-07-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-07-25,Closed with explanation,Yes,No,CR1486248,1986
2015-07-24,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2015-07-27,Closed with explanation,Yes,No,CR1486487,3676
2015-07-27,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2015-07-29,Closed with explanation,Yes,No,CR1488438,11136
2015-07-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-07-28,Closed with monetary relief,Yes,No,CR1489805,1863
2015-07-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-07-28,Closed with non-monetary relief,Yes,No,CR1490032,2183
2015-07-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-07-29,Closed with monetary relief,Yes,No,CR1490357,3914
2015-07-29,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2015-07-30,Closed with explanation,Yes,No,CR1493848,4486
2015-07-30,Credit card,,Billing disputes,,,,N/A,Phone,2015-07-31,Closed with explanation,Yes,No,CR1494872,105
2015-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-08-05,Closed with explanation,Yes,No,CR1496298,297
2015-07-31,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2015-08-02,Closed with explanation,Yes,Yes,CR1496787,13404
2015-07-31,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2015-08-02,Closed with explanation,Yes,No,CR1497394,13090
2015-08-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-08-03,Closed with monetary relief,Yes,No,CR1499030,2099
2015-08-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-08-03,Closed with explanation,Yes,No,CR1499313,1128
2015-08-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2015-08-03,Closed with explanation,Yes,No,CR1499374,2437
2015-08-03,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2015-08-03,Closed with explanation,Yes,No,CR1499519,3494
2015-08-03,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-08-04,Closed with explanation,Yes,No,CR1500056,2476
2015-08-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-08-06,Closed with monetary relief,Yes,No,CR1504722,107
2015-08-06,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-08-07,Closed with monetary relief,Yes,No,CR1505877,3434
2015-08-06,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Phone,2015-08-06,Closed with explanation,Yes,No,CR1506722,11380
2015-08-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-08-10,Closed with explanation,Yes,No,CR1508367,888
2015-08-07,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2015-08-10,Closed with explanation,Yes,No,CR1508948,1007
2015-08-10,Credit card,,APR or interest rate,,,,N/A,Phone,2015-08-11,Closed with explanation,Yes,No,CR1510219,785
2015-08-10,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2015-08-10,Closed with explanation,Yes,No,CR1511129,554
2015-08-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2015-08-12,Closed with explanation,Yes,No,CR1513764,1075
2015-08-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-08-12,Closed with explanation,Yes,No,CR1515151,3331
2015-08-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-08-14,Closed with explanation,Yes,No,CR1517159,11886
2015-08-13,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-08-14,Closed with explanation,Yes,No,CR1517203,2779
2015-08-13,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Phone,2015-08-17,Closed with explanation,Yes,Yes,CR1518405,4642
2015-08-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-08-17,Closed with explanation,Yes,No,CR1519771,3894
2015-08-17,Credit card,,Forbearance / Workout plans,,,,N/A,Phone,2015-08-17,Closed with explanation,Yes,Yes,CR1521079,4465
2015-08-17,Credit card,,Other,,,Older American,N/A,Phone,2015-08-20,Closed with explanation,Yes,No,CR1522316,2312
2015-08-17,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Phone,2015-08-18,Closed with non-monetary relief,Yes,No,CR1522794,1134
2015-08-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-08-18,Closed with explanation,Yes,Yes,CR1522811,2563
2015-08-17,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Phone,2015-08-17,Closed with explanation,Yes,No,CR1523000,1667
2015-08-18,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-08-18,Closed with explanation,Yes,No,CR1523827,4824
2015-08-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-08-19,Closed with explanation,Yes,No,CR1524924,3656
2015-08-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-08-19,Closed with explanation,Yes,No,CR1525790,865
2015-08-19,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2015-08-20,Closed with explanation,Yes,No,CR1526589,3664
2015-08-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-08-24,Closed with explanation,Yes,Yes,CR1527123,4258
2015-08-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-08-21,Closed with explanation,Yes,No,CR1527638,12729
2015-08-20,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2015-08-31,Closed with monetary relief,Yes,No,CR1527715,1143
2015-08-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-08-23,Closed with explanation,Yes,No,CR1528499,3840
2015-08-20,Credit card,,Other,,,,N/A,Phone,2015-08-21,Closed with explanation,Yes,No,CR1529068,3131
2015-08-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-08-23,Closed with monetary relief,Yes,No,CR1530223,3622
2015-08-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2015-08-23,Closed with explanation,Yes,No,CR1530918,4408
2015-08-21,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2015-08-23,Closed with explanation,Yes,No,CR1530932,1424
2015-08-21,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-08-21,Closed with explanation,Yes,No,CR1531207,4607
2015-08-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-08-25,Closed with explanation,Yes,No,CR1533059,3619
2015-08-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-08-25,Closed with explanation,Yes,No,CR1533412,3384
2015-08-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-08-25,Closed with explanation,Yes,No,CR1534034,2293
2015-08-25,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2015-08-25,Closed with explanation,Yes,No,CR1535245,2930
2015-08-25,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2015-08-26,Closed with monetary relief,Yes,No,CR1535757,3288
2015-08-25,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2015-08-27,Closed with monetary relief,Yes,No,CR1535915,1014
2015-08-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-08-26,Closed with explanation,Yes,No,CR1536162,11676
2015-08-26,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Phone,2015-08-26,Closed with explanation,Yes,No,CR1537815,4729
2015-08-26,Credit card,,Other,,,Older American,N/A,Phone,2015-08-26,Closed with explanation,Yes,No,CR1538753,11362
2015-08-27,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2015-08-27,Closed with explanation,Yes,Yes,CR1539715,992
2015-08-27,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2015-08-28,Closed with monetary relief,Yes,No,CR1540348,3281
2015-08-27,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-08-28,Closed with monetary relief,Yes,No,CR1540488,1283
2015-08-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-08-28,Closed with explanation,Yes,No,CR1540649,2578
2015-08-27,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2015-08-28,Closed with explanation,Yes,No,CR1540941,3445
2015-09-01,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-09-01,Closed with monetary relief,Yes,No,CR1546046,1506
2015-09-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-09-01,Closed with explanation,Yes,No,CR1546881,6183
2015-09-01,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2015-09-01,Closed with explanation,Yes,No,CR1547718,833
2015-09-02,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2015-09-02,Closed with monetary relief,Yes,No,CR1548882,2909
2015-09-02,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Servicemember,N/A,Phone,2015-09-02,Closed with explanation,Yes,No,CR1549210,3260
2015-09-02,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2015-09-02,Closed with non-monetary relief,Yes,No,CR1549739,12344
2015-09-02,Credit card,,Advertising and marketing,,,Older American,N/A,Phone,2015-09-03,Closed with explanation,Yes,No,CR1550385,905
2015-09-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2015-09-04,Closed with explanation,Yes,No,CR1550810,3714
2015-09-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-09-04,Closed with explanation,Yes,No,CR1550817,300
2015-09-04,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2015-09-05,Closed with explanation,Yes,No,CR1553694,53
2015-09-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-09-08,Closed with monetary relief,Yes,No,CR1554613,3759
2015-09-08,Credit card,,Other,,,Servicemember,N/A,Phone,2015-09-08,Closed with non-monetary relief,Yes,No,CR1555040,1166
2015-09-08,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-09-09,Closed with explanation,Yes,No,CR1555435,3486
2015-09-08,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-09-09,Closed with explanation,Yes,No,CR1555854,1924
2015-09-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-09-09,Closed with explanation,Yes,Yes,CR1555865,209
2015-09-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2015-09-10,Closed with explanation,Yes,No,CR1556280,3028
2015-09-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-09-10,Closed with explanation,Yes,No,CR1557728,926
2015-09-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2015-09-10,Closed with explanation,Yes,No,CR1558253,2832
2015-09-10,Credit card,,Billing disputes,,,Older American,N/A,Phone,2015-09-11,Closed with explanation,Yes,No,CR1559295,4530
2015-09-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-09-14,Closed with monetary relief,Yes,No,CR1559403,1077
2015-09-10,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-09-11,Closed with monetary relief,Yes,No,CR1559884,2643
2015-09-11,Bank account or service,(CD) Certificate of deposit,Problems caused by my funds being low,,,,N/A,Phone,2015-09-12,Closed with explanation,Yes,No,CR1561156,3025
2015-09-14,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2015-09-17,Closed with explanation,Yes,No,CR1563428,2411
2015-09-15,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-09-15,Closed with non-monetary relief,Yes,No,CR1565097,1978
2015-09-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-09-16,Closed with explanation,Yes,No,CR1565310,3012
2015-09-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-09-16,Closed with explanation,Yes,No,CR1565422,968
2015-09-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-09-16,Closed with explanation,Yes,No,CR1565640,27
2015-09-15,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2015-09-15,Closed with monetary relief,Yes,No,CR1566328,3538
2015-09-17,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2015-09-18,Closed with explanation,Yes,No,CR1569034,2675
2015-09-17,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2015-09-23,Closed with explanation,Yes,No,CR1569035,2707
2015-09-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-09-18,Closed with explanation,Yes,No,CR1569091,8287
2015-09-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-09-23,Closed with explanation,Yes,No,CR1570979,2972
2015-09-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-09-23,Closed with explanation,Yes,No,CR1574594,1736
2015-09-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-09-25,Closed with explanation,Yes,No,CR1574697,1167
2015-09-23,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2015-09-24,Closed with explanation,Yes,No,CR1576409,3858
2015-09-24,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Phone,2015-09-24,Closed with explanation,Yes,Yes,CR1577869,1016
2015-09-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-09-29,Closed with explanation,Yes,Yes,CR1579392,3229
2015-09-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2015-09-28,Closed with explanation,Yes,No,CR1580637,6798
2015-09-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-09-30,Closed with monetary relief,Yes,Yes,CR1582436,6789
2015-09-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-09-30,Closed with explanation,Yes,No,CR1583730,3546
2015-09-29,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2015-10-01,Closed with explanation,Yes,Yes,CR1585615,6178
2015-09-29,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2015-10-02,Closed,Yes,No,CR1585639,3469
2015-09-30,Credit card,,Transaction issue,,,,N/A,Phone,2015-10-05,Closed with explanation,Yes,No,CR1587268,3677
2015-10-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-10-01,Closed with explanation,Yes,Yes,CR1588013,4051
2015-10-01,Bank account or service,Savings account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2015-10-01,Closed with explanation,Yes,Yes,CR1589158,3712
2015-10-02,Credit card,,Rewards,,,Older American,N/A,Phone,2015-10-02,Closed with explanation,Yes,No,CR1590033,2457
2015-10-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-10-02,Closed with explanation,Yes,No,CR1591112,7327
2015-10-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-10-05,Closed with monetary relief,Yes,No,CR1592361,6039
2015-10-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-10-05,Closed with explanation,Yes,No,CR1592376,1877
2015-10-05,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2015-10-05,Closed with explanation,Yes,Yes,CR1593887,5760
2015-10-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2015-10-06,Closed with explanation,Yes,No,CR1594548,4021
2015-10-06,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2015-10-06,Closed with explanation,Yes,No,CR1594577,4659
2015-10-06,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Phone,2015-10-08,Closed with monetary relief,Yes,Yes,CR1595323,13095
2015-10-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-10-07,Closed with monetary relief,Yes,No,CR1597859,5107
2015-10-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-10-08,Closed with explanation,Yes,No,CR1598361,4320
2015-10-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-10-08,Closed with explanation,Yes,Yes,CR1599074,4352
2015-10-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-10-13,Closed with explanation,Yes,No,CR1603993,3120
2015-10-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-10-15,Closed with non-monetary relief,Yes,No,CR1604506,4313
2015-10-13,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2015-10-16,Closed with explanation,Yes,No,CR1604622,3015
2015-10-13,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2015-10-13,Closed with explanation,Yes,No,CR1604777,3793
2015-10-14,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,"Older American, Servicemember",N/A,Phone,2015-10-14,Closed with explanation,Yes,No,CR1605476,993
2015-10-14,Credit card,,Billing disputes,,,Older American,N/A,Phone,2015-10-16,Closed with explanation,Yes,No,CR1606089,3241
2015-10-14,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2015-10-14,Closed with monetary relief,Yes,No,CR1606177,686
2015-10-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-10-14,Closed with explanation,Yes,Yes,CR1606218,4383
2015-10-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-10-16,Closed with explanation,Yes,Yes,CR1610051,3735
2015-10-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-10-20,Closed with explanation,Yes,No,CR1610600,2315
2015-10-16,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2015-10-16,Closed with explanation,Yes,No,CR1611334,2761
2015-10-19,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Phone,2015-10-19,Closed with non-monetary relief,Yes,Yes,CR1612994,5046
2015-10-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-10-19,Closed with explanation,Yes,No,CR1613142,6114
2015-10-19,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2015-10-21,Closed with explanation,Yes,No,CR1613673,1250
2015-10-21,Credit card,,Billing disputes,,,"Older American, Servicemember",N/A,Phone,2015-10-21,Closed with explanation,Yes,Yes,CR1617821,1849
2015-10-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Phone,2015-10-22,Closed with explanation,Yes,No,CR1619938,298
2015-10-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-10-22,Closed with explanation,Yes,No,CR1620269,1013
2015-10-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-10-22,Closed with explanation,Yes,No,CR1620382,10960
2015-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-10-23,Closed with non-monetary relief,Yes,No,CR1621272,6001
2015-10-23,Bank account or service,Checking account,Using a debit or ATM card,,,Servicemember,N/A,Phone,2015-10-23,Closed with explanation,Yes,No,CR1621972,3556
2015-10-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-10-23,Closed with monetary relief,Yes,No,CR1622026,794
2015-10-26,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2015-10-26,Closed with explanation,Yes,No,CR1624041,3655
2015-10-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-10-26,Closed with explanation,Yes,No,CR1624892,2642
2015-10-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-10-27,Closed with explanation,Yes,No,CR1625857,5164
2015-10-27,Credit card,,Billing disputes,,,Servicemember,N/A,Phone,2015-10-27,Closed with explanation,Yes,No,CR1626065,3329
2015-10-27,Credit card,,Advertising and marketing,,,,N/A,Phone,2015-10-29,Closed with monetary relief,Yes,No,CR1627329,3146
2015-10-28,Bank account or service,Savings account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2015-10-28,Closed with explanation,Yes,No,CR1628487,11545
2015-10-28,Bank account or service,Other bank product/service,Using a debit or ATM card,,,Older American,N/A,Phone,2015-10-28,Closed with explanation,Yes,No,CR1629794,559
2015-10-29,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-10-30,Closed with monetary relief,Yes,No,CR1631157,1522
2015-11-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-11-02,Closed with explanation,Yes,No,CR1635576,6342
2015-11-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-11-02,Closed with explanation,Yes,No,CR1635615,859
2015-11-02,Credit card,,Privacy,,,Servicemember,N/A,Phone,2015-11-02,Closed with explanation,Yes,No,CR1635812,9346
2015-11-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-11-02,Closed with explanation,Yes,No,CR1636310,2623
2015-11-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-11-03,Closed with explanation,Yes,No,CR1636885,843
2015-11-03,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2015-11-04,Closed with explanation,Yes,No,CR1638396,1760
2015-11-04,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2015-11-04,Closed with monetary relief,Yes,No,CR1639078,4222
2015-11-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-11-04,Closed with explanation,Yes,No,CR1640253,2087
2015-11-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-11-04,Closed with explanation,Yes,No,CR1640757,12221
2015-11-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-11-05,Closed with explanation,Yes,No,CR1641594,6039
2015-11-06,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2015-11-09,Closed with explanation,Yes,No,CR1643543,3510
2015-11-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-11-09,Closed with explanation,Yes,No,CR1646504,3803
2015-11-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-11-12,Closed with monetary relief,Yes,No,CR1646569,822
2015-11-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-11-09,Closed with monetary relief,Yes,No,CR1647391,4690
2015-11-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2015-11-10,Closed with explanation,Yes,No,CR1649584,472
2015-11-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-11-13,Closed with explanation,Yes,Yes,CR1653597,774
2015-11-13,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Servicemember,N/A,Phone,2015-11-13,Closed with explanation,Yes,No,CR1654790,2362
2015-11-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-11-17,Closed with explanation,Yes,No,CR1657410,169
2015-11-16,Bank account or service,Savings account,Problems caused by my funds being low,,,,N/A,Phone,2015-11-17,Closed with monetary relief,Yes,No,CR1657655,123
2015-11-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-11-18,Closed with monetary relief,Yes,No,CR1659490,1979
2015-11-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-11-17,Closed with explanation,Yes,No,CR1659881,12599
2015-11-17,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Phone,2015-11-18,Closed,Yes,Yes,CR1659903,2571
2015-11-16,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2015-11-16,Closed with explanation,Yes,No,CR1659937,4141
2015-11-17,Bank account or service,Savings account,Using a debit or ATM card,,,,N/A,Phone,2015-11-17,Closed with explanation,Yes,No,CR1660043,5254
2015-11-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-11-19,Closed with explanation,Yes,No,CR1660469,1909
2015-11-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-11-18,Closed with non-monetary relief,Yes,Yes,CR1661077,155
2015-11-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-11-20,Closed with non-monetary relief,Yes,Yes,CR1661936,4644
2015-11-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2015-11-20,Closed with explanation,Yes,Yes,CR1662194,4655
2015-11-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-11-23,Closed with explanation,Yes,No,CR1663434,1275
2015-11-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-11-23,Closed with explanation,Yes,No,CR1664037,2947
2015-11-20,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2015-11-25,Closed with non-monetary relief,Yes,No,CR1665925,3815
2015-11-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-11-23,Closed with explanation,Yes,Yes,CR1666002,5873
2015-11-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-11-27,Closed with monetary relief,Yes,No,CR1667372,873
2015-11-25,Credit card,,Rewards,,,,N/A,Phone,2015-11-27,Closed with monetary relief,Yes,No,CR1672178,4203
2015-11-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-12-02,Closed with explanation,Yes,No,CR1672203,2203
2015-11-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-12-02,Closed with explanation,Yes,No,CR1672204,3530
2015-11-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2015-12-03,Closed with explanation,Yes,No,CR1673770,3980
2015-11-28,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2015-12-03,Closed with explanation,Yes,Yes,CR1674294,1174
2015-11-30,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Phone,2015-12-03,Closed with explanation,Yes,No,CR1675522,1885
2015-11-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2015-12-01,Closed with non-monetary relief,Yes,No,CR1676467,934
2015-12-01,Bank account or service,Savings account,Problems caused by my funds being low,,,Older American,N/A,Phone,2015-12-01,Closed with explanation,Yes,No,CR1677443,3590
2015-12-01,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2015-12-04,Closed with explanation,Yes,No,CR1677987,3178
2015-12-01,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Phone,2015-12-02,Closed with explanation,Yes,No,CR1678013,4025
2015-12-01,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2015-12-04,Closed with monetary relief,Yes,No,CR1678273,1375
2015-12-02,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Phone,2015-12-07,Closed with explanation,Yes,No,CR1679785,2291
2015-12-02,Credit card,,Payoff process,,,Older American,N/A,Phone,2015-12-07,Closed with explanation,Yes,No,CR1679796,2469
2015-12-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-12-03,Closed with explanation,Yes,No,CR1679931,855
2015-12-02,Credit card,,Rewards,,,,N/A,Phone,2015-12-07,Closed with non-monetary relief,Yes,No,CR1680162,1469
2015-12-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-12-03,Closed with explanation,Yes,No,CR1680376,163
2015-12-02,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2015-12-07,Closed with non-monetary relief,Yes,No,CR1681090,4329
2015-12-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2015-12-07,Closed with monetary relief,Yes,No,CR1682281,724
2015-12-04,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Phone,2015-12-08,Closed with explanation,Yes,No,CR1683408,1831
2015-12-07,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2015-12-08,Closed with non-monetary relief,Yes,No,CR1685073,12738
2015-12-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-12-07,Closed with explanation,Yes,No,CR1685410,2900
2015-12-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2015-12-09,Closed with explanation,Yes,Yes,CR1685699,2373
2015-12-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-12-10,Closed with monetary relief,Yes,No,CR1685894,2637
2015-12-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-12-08,Closed with explanation,Yes,No,CR1686137,1085
2015-12-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-12-08,Closed with explanation,Yes,No,CR1686560,3252
2015-12-08,Credit card,,Billing disputes,,,Older American,N/A,Phone,2015-12-10,Closed with explanation,Yes,No,CR1687003,2980
2015-12-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2015-12-11,Closed with monetary relief,Yes,No,CR1687846,1824
2015-12-08,Credit card,,Unsolicited issuance of credit card,,,,N/A,Phone,2015-12-14,Closed with explanation,Yes,No,CR1688149,955
2015-12-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-12-10,Closed with explanation,Yes,No,CR1689652,13260
2015-12-09,Credit card,,Customer service / Customer relations,,,"Older American, Servicemember",N/A,Phone,2015-12-11,Closed with explanation,Yes,No,CR1689921,160
2015-12-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-12-11,Closed with explanation,Yes,Yes,CR1691760,2590
2015-12-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-12-14,Closed with monetary relief,Yes,No,CR1693501,5253
2015-12-14,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2015-12-16,Closed with explanation,Yes,No,CR1695189,4929
2015-12-14,Credit card,,Credit line increase/decrease,,,,N/A,Phone,2015-12-16,Closed with monetary relief,Yes,No,CR1695646,3877
2015-12-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-12-16,Closed with explanation,Yes,No,CR1696972,13556
2015-12-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-12-17,Closed with explanation,Yes,No,CR1697033,1967
2015-12-15,Credit card,,Customer service / Customer relations,,,"Older American, Servicemember",N/A,Phone,2015-12-16,Closed with explanation,Yes,Yes,CR1697075,3500
2015-12-17,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-12-17,Closed with monetary relief,Yes,No,CR1706630,1936
2015-12-16,Credit card,,Advertising and marketing,,,,N/A,Phone,2015-12-17,Closed with monetary relief,Yes,No,CR1707167,1749
2015-12-16,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2015-12-16,Closed with monetary relief,Yes,No,CR1707326,12181
2015-12-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-12-18,Closed with explanation,Yes,No,CR1708095,2760
2015-12-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-12-18,Closed with explanation,Yes,No,CR1708215,1166
2015-12-18,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2015-12-21,Closed with explanation,Yes,No,CR1708746,4528
2015-12-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-12-18,Closed with monetary relief,Yes,No,CR1708760,1838
2015-12-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-12-18,Closed with explanation,Yes,No,CR1709482,4814
2015-12-18,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-12-21,Closed with explanation,Yes,No,CR1709512,9641
2015-12-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-12-22,Closed with explanation,Yes,No,CR1709931,2988
2015-12-21,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2015-12-21,Closed with explanation,Yes,No,CR1710228,6042
2015-12-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2015-12-22,Closed with explanation,Yes,No,CR1713855,1424
2015-12-24,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2015-12-24,Closed with explanation,Yes,No,CR1714350,4562
2015-12-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2015-12-28,Closed with monetary relief,Yes,No,CR1715998,3848
2015-12-24,Credit card,,Transaction issue,,,,N/A,Phone,2015-12-24,Closed with explanation,Yes,No,CR1716531,799
2015-12-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2015-12-29,Closed with monetary relief,Yes,No,CR1719135,3877
2015-12-29,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2015-12-29,Closed with explanation,Yes,No,CR1720544,3331
2015-12-30,Bank account or service,Checking account,Using a debit or ATM card,,,"Older American, Servicemember",N/A,Phone,2015-12-30,Closed with monetary relief,Yes,No,CR1721759,2405
2015-12-30,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2015-12-30,Closed with monetary relief,Yes,Yes,CR1721831,4576
2015-12-31,Credit card,,Delinquent account,,,Older American,N/A,Phone,2016-01-05,Closed with explanation,Yes,No,CR1723324,4124
2015-12-31,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-01-04,Closed with explanation,Yes,No,CR1723704,762
2015-12-31,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2016-01-04,Closed with monetary relief,Yes,No,CR1724079,4635
2015-12-31,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2016-01-04,Closed with explanation,Yes,No,CR1724373,322
2016-01-04,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-01-04,Closed with explanation,Yes,No,CR1725868,3929
2016-01-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-01-04,Closed with explanation,Yes,No,CR1726351,1901
2016-01-05,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-01-05,Closed with explanation,Yes,No,CR1728454,2252
2016-01-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-01-08,Closed with monetary relief,Yes,No,CR1731630,12344
2016-01-07,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Phone,2016-01-07,Closed with explanation,Yes,No,CR1731727,2119
2016-01-08,Credit card,,Billing disputes,,,,N/A,Phone,2016-01-08,Closed with monetary relief,Yes,No,CR1733716,2403
2016-01-08,Credit card,,APR or interest rate,,,Servicemember,N/A,Phone,2016-01-08,Closed with explanation,Yes,No,CR1734751,4504
2016-01-11,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Phone,2016-01-12,Closed,Yes,Yes,CR1736566,3925
2016-01-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-01-12,Closed with non-monetary relief,Yes,Yes,CR1737765,1673
2016-01-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-01-12,Closed with explanation,Yes,No,CR1737803,2726
2016-01-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-01-13,Closed with explanation,Yes,No,CR1737813,2186
2016-01-12,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-01-13,Closed with explanation,Yes,No,CR1738394,672
2016-01-14,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-01-14,Closed with explanation,Yes,No,CR1741083,1448
2016-01-13,Bank account or service,Cashing a check without an account,"Making/receiving payments, sending money",,,Servicemember,N/A,Phone,2016-01-14,Closed with explanation,Yes,No,CR1742312,1260
2016-01-13,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Phone,2016-01-14,Closed with explanation,Yes,No,CR1742444,6112
2016-01-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-01-14,Closed with explanation,Yes,No,CR1742871,49
2016-01-13,Credit card,,Other,,,"Older American, Servicemember",N/A,Phone,2016-01-13,Closed with explanation,Yes,Yes,CR1742892,940
2016-01-15,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-01-19,Closed with explanation,Yes,No,CR1745068,621
2016-01-20,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-01-20,Closed with explanation,Yes,No,CR1749949,5873
2016-01-20,Credit card,,Other,,,Older American,N/A,Phone,2016-01-20,Closed with explanation,Yes,No,CR1750377,4529
2016-01-21,Credit card,,Other,,,,N/A,Phone,2016-01-21,Closed with explanation,Yes,No,CR1751146,12324
2016-01-21,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2016-01-21,Closed with explanation,Yes,No,CR1751982,602
2016-01-21,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Phone,2016-01-26,Closed with monetary relief,Yes,No,CR1752903,2233
2016-01-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-01-22,Closed with explanation,Yes,No,CR1753036,1915
2016-01-22,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2016-01-22,Closed with explanation,Yes,No,CR1754761,1966
2016-01-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2016-01-26,Closed with explanation,Yes,No,CR1755680,2027
2016-01-25,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2016-01-26,Closed with explanation,Yes,No,CR1756553,4134
2016-01-25,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2016-01-26,Closed with explanation,Yes,No,CR1756863,1216
2016-01-27,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,Older American,N/A,Phone,2016-01-28,Closed with explanation,Yes,No,CR1760505,13640
2016-01-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-01-28,Closed with explanation,Yes,No,CR1760808,4652
2016-01-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-02-01,Closed with monetary relief,Yes,Yes,CR1761445,10475
2016-01-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-01-28,Closed with explanation,Yes,No,CR1761797,3555
2016-01-29,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2016-02-11,Closed with explanation,Yes,No,CR1764386,3882
2016-02-02,Credit card,,Billing disputes,,,,N/A,Phone,2016-02-23,Closed with explanation,Yes,No,CR1769491,1192
2016-02-03,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2016-02-04,Closed with explanation,Yes,No,CR1770754,809
2016-02-04,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-02-04,Closed with monetary relief,Yes,No,CR1773665,1446
2016-02-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-02-08,Closed with explanation,Yes,No,CR1775841,1850
2016-02-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-02-09,Closed with monetary relief,Yes,No,CR1777975,1988
2016-02-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-02-10,Closed with explanation,Yes,No,CR1779512,12051
2016-02-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-02-09,Closed with explanation,Yes,No,CR1780156,1811
2016-02-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-02-11,Closed with explanation,Yes,No,CR1782186,4540
2016-02-10,Credit card,,Rewards,,,,N/A,Phone,2016-02-17,Closed with explanation,Yes,No,CR1782361,2261
2016-02-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-02-11,Closed with explanation,Yes,No,CR1784705,3629
2016-02-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-02-12,Closed with explanation,Yes,No,CR1786355,4524
2016-02-16,Credit card,,Billing disputes,,,Older American,N/A,Phone,2016-03-03,Closed with monetary relief,Yes,No,CR1789100,4068
2016-02-17,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-02-17,Closed with non-monetary relief,Yes,No,CR1789307,451
2016-02-16,Bank account or service,Checking account,Problems caused by my funds being low,,,Servicemember,N/A,Phone,2016-02-17,Closed with explanation,Yes,Yes,CR1789940,1336
2016-02-17,Credit card,,Billing disputes,,,Older American,N/A,Phone,2016-02-18,Closed with monetary relief,Yes,No,CR1791021,3541
2016-02-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-02-17,Closed with explanation,Yes,Yes,CR1791561,1529
2016-02-17,Credit card,,Transaction issue,,,Older American,N/A,Phone,2016-02-19,Closed with monetary relief,Yes,No,CR1791658,6342
2016-02-17,Credit card,,Identity theft / Fraud / Embezzlement,,,"Older American, Servicemember",N/A,Phone,2016-02-24,Closed with explanation,Yes,No,CR1791989,3852
2016-02-18,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-02-22,Closed with monetary relief,Yes,Yes,CR1792662,6481
2016-02-18,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2016-02-22,Closed with explanation,Yes,Yes,CR1793870,5224
2016-02-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-02-22,Closed with explanation,Yes,No,CR1795301,3621
2016-02-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-02-22,Closed with explanation,Yes,No,CR1795675,2195
2016-02-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-02-23,Closed with explanation,Yes,No,CR1797247,4707
2016-02-22,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-02-23,Closed with explanation,Yes,No,CR1798389,2261
2016-02-23,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Phone,2016-02-24,Closed with monetary relief,Yes,No,CR1799554,4298
2016-02-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-02-24,Closed with monetary relief,Yes,No,CR1800919,1366
2016-02-24,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Servicemember,N/A,Phone,2016-02-25,Closed with explanation,Yes,No,CR1801653,329
2016-02-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-02-26,Closed with monetary relief,Yes,No,CR1803145,4524
2016-02-25,Credit card,,Rewards,,,Older American,N/A,Phone,2016-02-29,Closed with non-monetary relief,Yes,No,CR1803958,4116
2016-02-25,Credit card,,Other,,,Older American,N/A,Phone,2016-02-29,Closed with explanation,Yes,Yes,CR1804285,1350
2016-02-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-02-29,Closed,Yes,No,CR1804597,1642
2016-02-26,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2016-02-29,Closed with explanation,Yes,No,CR1805701,3606
2016-02-27,Credit card,,Billing disputes,,,,N/A,Phone,2016-03-01,Closed with explanation,Yes,No,CR1806751,11976
2016-02-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-03-01,Closed with explanation,Yes,No,CR1808168,5379
2016-03-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-03-01,Closed with explanation,Yes,No,CR1810770,4785
2016-03-01,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-03-02,Closed with explanation,Yes,No,CR1812165,4824
2016-03-02,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2016-03-02,Closed with monetary relief,Yes,No,CR1812983,937
2016-03-03,Credit card,,Other,,,,N/A,Phone,2016-03-04,Closed with monetary relief,Yes,No,CR1814954,4063
2016-03-03,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2016-03-03,Closed with monetary relief,Yes,No,CR1814959,2200
2016-03-04,Credit card,,Billing disputes,,,Older American,N/A,Phone,2016-03-04,Closed with explanation,Yes,Yes,CR1816094,1532
2016-03-07,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2016-03-07,Closed with monetary relief,Yes,No,CR1820146,4399
2016-03-08,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Phone,2016-03-09,Closed with explanation,Yes,Yes,CR1823190,1576
2016-03-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-03-09,Closed with monetary relief,Yes,No,CR1823406,2374
2016-03-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Servicemember,N/A,Phone,2016-03-11,Closed with explanation,Yes,No,CR1823835,736
2016-03-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-03-14,Closed with explanation,Yes,No,CR1824694,1613
2016-03-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-03-10,Closed with explanation,Yes,No,CR1825368,4336
2016-03-11,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-03-14,Closed with explanation,Yes,Yes,CR1828455,2571
2016-03-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-03-11,Closed with explanation,Yes,No,CR1828807,3221
2016-03-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-03-14,Closed with explanation,Yes,Yes,CR1830442,3450
2016-03-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-03-14,Closed with explanation,Yes,No,CR1830801,10096
2016-03-14,Credit card,,Closing/Cancelling account,,,Older American,N/A,Phone,2016-03-14,Closed with explanation,Yes,Yes,CR1830837,2765
2016-03-15,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2016-03-17,Closed with explanation,Yes,No,CR1832300,769
2016-03-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-03-16,Closed with explanation,Yes,No,CR1834990,9274
2016-03-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-03-16,Closed with explanation,Yes,No,CR1835194,1368
2016-03-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-03-17,Closed with explanation,Yes,No,CR1836933,845
2016-03-17,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-03-17,Closed with non-monetary relief,Yes,No,CR1837085,747
2016-03-18,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2016-03-21,Closed with explanation,Yes,No,CR1838896,3818
2016-03-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-03-18,Closed with monetary relief,Yes,No,CR1839458,210
2016-03-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-03-18,Closed with explanation,Yes,No,CR1839901,2093
2016-03-21,Credit card,,Billing disputes,,,Older American,N/A,Phone,2016-03-22,Closed with monetary relief,Yes,No,CR1842420,160
2016-03-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-03-22,Closed with explanation,Yes,No,CR1844719,707
2016-03-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-03-23,Closed with explanation,Yes,No,CR1846008,3600
2016-03-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-03-23,Closed with explanation,Yes,No,CR1846894,255
2016-03-23,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-03-23,Closed with explanation,Yes,No,CR1847068,842
2016-03-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-03-23,Closed with explanation,Yes,Yes,CR1847200,1218
2016-03-25,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-03-25,Closed with monetary relief,Yes,Yes,CR1850166,2407
2016-03-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-03-25,Closed with explanation,Yes,No,CR1850735,4432
2016-03-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-03-28,Closed with explanation,Yes,No,CR1851997,3951
2016-03-29,Credit card,,APR or interest rate,,,Older American,N/A,Phone,2016-03-29,Closed with explanation,Yes,No,CR1854058,3075
2016-03-29,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2016-03-29,Closed with explanation,Yes,No,CR1854953,132
2016-03-29,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2016-03-29,Closed with monetary relief,Yes,No,CR1855206,4314
2016-03-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-03-30,Closed with explanation,Yes,No,CR1856990,4790
2016-03-30,Credit card,,Credit determination,,,Older American,N/A,Phone,2016-03-30,Closed with explanation,Yes,No,CR1857024,3457
2016-03-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-03-30,Closed with explanation,Yes,No,CR1857227,1020
2016-03-31,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2016-03-31,Closed with monetary relief,Yes,No,CR1859291,9346
2016-03-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-03-31,Closed with explanation,Yes,No,CR1859305,3650
2016-03-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2016-03-31,Closed with explanation,Yes,No,CR1859611,1237
2016-04-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-04-01,Closed with explanation,Yes,No,CR1859915,11637
2016-04-04,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2016-04-04,Closed with explanation,Yes,No,CR1863263,3536
2016-04-04,Credit card,,Cash advance,,,,N/A,Phone,2016-04-04,Closed with explanation,Yes,No,CR1864022,1369
2016-04-05,Credit card,,Rewards,,,Older American,N/A,Phone,2016-04-05,Closed with explanation,Yes,No,CR1865021,1789
2016-04-05,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-04-05,Closed with monetary relief,Yes,No,CR1865360,2427
2016-04-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-04-06,Closed with explanation,Yes,No,CR1866172,924
2016-04-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-09-01,Closed with explanation,Yes,No,CR1866912,1454
2016-04-06,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2016-04-06,Closed with monetary relief,Yes,No,CR1867597,2662
2016-04-07,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-04-07,Closed with explanation,Yes,No,CR1868541,4484
2016-04-07,Credit card,,Other,,,Servicemember,N/A,Phone,2016-04-07,Closed with explanation,Yes,No,CR1869370,8392
2016-04-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-04-07,Closed with explanation,Yes,No,CR1869523,10066
2016-04-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-04-08,Closed with explanation,Yes,Yes,CR1869572,569
2016-04-08,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Phone,2016-04-11,Closed with explanation,Yes,No,CR1870311,2320
2016-04-11,Credit card,,Billing statement,,,"Older American, Servicemember",N/A,Phone,2016-04-11,Closed with explanation,Yes,No,CR1873087,4563
2016-04-11,Credit card,,Billing disputes,,,Older American,N/A,Phone,2016-04-11,Closed with monetary relief,Yes,No,CR1874211,2344
2016-04-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-04-11,Closed with explanation,Yes,No,CR1874788,870
2016-04-12,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-04-12,Closed,Yes,No,CR1875861,1807
2016-04-12,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2016-04-12,Closed with explanation,Yes,No,CR1876102,4056
2016-04-12,Credit card,,Payoff process,,,,N/A,Phone,2016-04-12,Closed with explanation,Yes,No,CR1876143,751
2016-04-12,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2016-04-13,Closed with monetary relief,Yes,No,CR1876288,4743
2016-04-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-04-12,Closed with monetary relief,Yes,No,CR1876584,4809
2016-04-12,Credit card,,Billing disputes,,,Servicemember,N/A,Phone,2016-04-12,Closed with monetary relief,Yes,No,CR1876668,2116
2016-04-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-04-13,Closed with explanation,Yes,No,CR1877738,620
2016-04-13,Credit card,,Billing disputes,,,Older American,N/A,Phone,2016-04-13,Closed with monetary relief,Yes,No,CR1878387,1900
2016-04-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-04-14,Closed with monetary relief,Yes,No,CR1879528,865
2016-04-14,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2016-04-15,Closed with explanation,Yes,No,CR1880675,2153
2016-04-15,Credit card,,Billing statement,,,,N/A,Phone,2016-04-15,Closed with monetary relief,Yes,No,CR1881664,2436
2016-04-15,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Phone,2016-04-15,Closed with explanation,Yes,No,CR1882427,4794
2016-04-18,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2016-04-18,Closed with explanation,Yes,No,CR1884244,3310
2016-04-19,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2016-04-21,Closed with explanation,Yes,No,CR1885810,10382
2016-04-19,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-04-19,Closed with monetary relief,Yes,No,CR1887630,2474
2016-04-20,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2016-04-20,Closed with explanation,Yes,Yes,CR1888091,787
2016-04-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-04-20,Closed with monetary relief,Yes,No,CR1888218,1618
2016-04-20,Credit card,,Credit card protection / Debt protection,,,Older American,N/A,Phone,2016-04-20,Closed with explanation,Yes,Yes,CR1888915,4499
2016-04-20,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2016-04-21,Closed with explanation,Yes,No,CR1889322,9995
2016-04-21,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2016-04-21,Closed with explanation,Yes,No,CR1890939,2230
2016-04-22,Credit card,,Late fee,,,,N/A,Phone,2016-04-22,Closed with explanation,Yes,No,CR1892409,4352
2016-04-22,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2016-04-22,Closed with monetary relief,Yes,No,CR1892549,2065
2016-04-25,Credit card,,APR or interest rate,,,,N/A,Phone,2016-04-25,Closed with explanation,Yes,No,CR1894293,261
2016-04-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-04-25,Closed with explanation,Yes,No,CR1894412,4724
2016-04-25,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2016-04-25,Closed with explanation,Yes,No,CR1894599,13915
2016-04-25,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-04-25,Closed with explanation,Yes,No,CR1895831,1828
2016-04-26,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-04-26,Closed with explanation,Yes,No,CR1897162,1768
2016-04-26,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-04-26,Closed with monetary relief,Yes,No,CR1898121,6731
2016-04-27,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-04-27,Closed with explanation,Yes,No,CR1898715,4462
2016-04-28,Bank account or service,(CD) Certificate of deposit,Deposits and withdrawals,,,,N/A,Phone,2016-05-02,Closed with explanation,Yes,No,CR1900314,10778
2016-04-28,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2016-05-03,Closed with explanation,Yes,No,CR1900881,1614
2016-04-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-04-28,Closed with explanation,Yes,Yes,CR1901471,1332
2016-04-28,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2016-04-28,Closed with monetary relief,Yes,No,CR1901601,468
2016-04-28,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2016-05-02,Closed with explanation,Yes,No,CR1901804,4020
2016-04-28,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2016-04-29,Closed with monetary relief,Yes,No,CR1902015,2239
2016-04-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-04-29,Closed with explanation,Yes,Yes,CR1903236,12754
2016-04-29,Credit card,,Other,,,,N/A,Phone,2016-04-29,Closed with explanation,Yes,No,CR1903419,615
2016-04-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-05-03,Closed with monetary relief,Yes,No,CR1903974,3577
2016-04-29,Credit card,,Billing disputes,,,"Older American, Servicemember",N/A,Phone,2016-04-29,Closed with explanation,Yes,No,CR1904040,4220
2016-05-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-05-02,Closed with explanation,Yes,No,CR1905439,3139
2016-05-02,Credit card,,Other,,,Servicemember,N/A,Phone,2016-05-02,Closed with explanation,Yes,No,CR1906166,3917
2016-05-03,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2016-05-03,Closed with explanation,Yes,Yes,CR1906358,2139
2016-05-02,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-05-02,Closed with explanation,Yes,No,CR1906624,2371
2016-05-03,Bank account or service,Savings account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2016-05-03,Closed with non-monetary relief,Yes,No,CR1907333,1684
2016-05-03,Credit card,,Billing disputes,,,,N/A,Phone,2016-05-03,Closed with explanation,Yes,Yes,CR1907615,102
2016-05-04,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2016-05-04,Closed with explanation,Yes,No,CR1909872,2775
2016-05-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-05-06,Closed with explanation,Yes,No,CR1913527,2304
2016-05-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-05-09,Closed with explanation,Yes,No,CR1915305,3247
2016-05-09,Bank account or service,Other bank product/service,Using a debit or ATM card,,,"Older American, Servicemember",N/A,Phone,2016-05-09,Closed with explanation,No,No,CR1915681,3377
2016-05-09,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2016-05-09,Closed with explanation,Yes,No,CR1915827,2547
2016-05-09,Credit card,,Credit line increase/decrease,,,Older American,N/A,Phone,2016-05-09,Closed with explanation,Yes,No,CR1915885,1047
2016-05-09,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-05-09,Closed with monetary relief,Yes,No,CR1916925,4804
2016-05-10,Credit card,,APR or interest rate,,,,N/A,Phone,2016-05-11,Closed with explanation,Yes,No,CR1918718,1413
2016-05-12,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2016-05-12,Closed with monetary relief,Yes,No,CR1922173,2249
2016-05-12,Bank account or service,Other bank product/service,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2016-05-12,Closed with explanation,Yes,No,CR1922598,2315
2016-05-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-05-12,Closed with monetary relief,Yes,No,CR1922891,4424
2016-05-12,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2016-05-12,Closed with explanation,Yes,No,CR1923521,2112
2016-05-13,Bank account or service,Checking account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2016-05-13,Closed with non-monetary relief,Yes,No,CR1924092,4225
2016-05-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-05-17,Closed with explanation,Yes,Yes,CR1929741,1133
2016-05-19,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2016-05-20,Closed with monetary relief,Yes,No,CR1933769,2143
2016-05-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-05-20,Closed with non-monetary relief,Yes,No,CR1934828,3220
2016-05-20,Credit card,,Other,,,,N/A,Phone,2016-05-20,Closed with non-monetary relief,Yes,No,CR1934865,2071
2016-05-20,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-05-20,Closed with explanation,Yes,Yes,CR1934905,738
2016-05-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-05-23,Closed with explanation,Yes,No,CR1937137,1048
2016-05-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-05-23,Closed with explanation,Yes,No,CR1937863,2257
2016-05-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-05-24,Closed,Yes,No,CR1938668,11685
2016-05-24,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-05-24,Closed with explanation,Yes,No,CR1938846,404
2016-05-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-05-24,Closed with non-monetary relief,Yes,No,CR1939076,2031
2016-05-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-05-24,Closed with explanation,Yes,No,CR1939973,3530
2016-05-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-05-31,Closed with explanation,Yes,No,CR1940695,2172
2016-05-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-05-25,Closed with monetary relief,Yes,No,CR1940757,3760
2016-05-25,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2016-05-25,Closed with monetary relief,Yes,No,CR1941460,2038
2016-05-25,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2016-05-25,Closed with explanation,Yes,No,CR1941607,5275
2016-05-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-05-26,Closed with explanation,Yes,No,CR1943023,5241
2016-05-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-05-31,Closed with monetary relief,Yes,No,CR1946988,5224
2016-05-31,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2016-05-31,Closed with explanation,Yes,No,CR1947455,7291
2016-05-31,Credit card,,Customer service / Customer relations,,,"Older American, Servicemember",N/A,Phone,2016-05-31,Closed with monetary relief,Yes,No,CR1948061,1578
2016-05-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-05-31,Closed with monetary relief,Yes,No,CR1948238,2086
2016-05-31,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2016-05-31,Closed with explanation,Yes,No,CR1948645,1096
2016-06-01,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,"Older American, Servicemember",N/A,Phone,2016-06-01,Closed with explanation,Yes,No,CR1949299,3953
2016-06-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-06-02,Closed with explanation,Yes,No,CR1952175,1610
2016-06-04,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-06-04,Closed with explanation,Yes,No,CR1953512,765
2016-06-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-06-03,Closed with explanation,Yes,No,CR1953518,3843
2016-06-06,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2016-06-06,Closed with explanation,Yes,Yes,CR1955199,4956
2016-06-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-06-06,Closed with non-monetary relief,Yes,No,CR1955520,2326
2016-06-06,Bank account or service,Savings account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2016-06-06,Closed with explanation,Yes,No,CR1955733,1275
2016-06-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-06-06,Closed with explanation,Yes,No,CR1956058,366
2016-06-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-06-06,Closed with explanation,Yes,No,CR1956158,1998
2016-06-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-06-06,Closed with non-monetary relief,Yes,No,CR1956180,4488
2016-06-06,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-06-06,Closed with monetary relief,Yes,No,CR1956709,4781
2016-06-07,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-06-07,Closed with monetary relief,Yes,No,CR1958451,4553
2016-06-07,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-06-07,Closed with monetary relief,Yes,No,CR1959041,4628
2016-06-08,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2016-06-08,Closed with monetary relief,Yes,No,CR1959100,645
2016-06-08,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2016-06-08,Closed with explanation,Yes,No,CR1959566,443
2016-06-09,Credit card,,Billing disputes,,,,N/A,Phone,2016-06-09,Closed with monetary relief,Yes,No,CR1962228,732
2016-06-11,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2016-06-14,Closed with monetary relief,Yes,No,CR1964505,2981
2016-06-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-06-14,Closed with explanation,Yes,No,CR1967993,1278
2016-06-14,Bank account or service,Savings account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2016-06-14,Closed with explanation,Yes,No,CR1969066,1889
2016-06-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2016-06-15,Closed with non-monetary relief,Yes,No,CR1970480,2635
2016-06-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-06-20,Closed with explanation,Yes,No,CR1972167,4161
2016-06-16,Credit card,,Billing disputes,,,,N/A,Phone,2016-06-16,Closed with monetary relief,Yes,No,CR1972195,4529
2016-06-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-06-16,Closed with explanation,Yes,No,CR1972261,4140
2016-06-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-06-16,Closed with explanation,Yes,No,CR1972714,7435
2016-06-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-06-17,Closed with monetary relief,Yes,No,CR1973369,2428
2016-06-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-06-17,Closed with explanation,Yes,Yes,CR1973400,4695
2016-06-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-06-17,Closed with monetary relief,Yes,Yes,CR1973642,318
2016-06-20,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2016-06-20,Closed with explanation,Yes,No,CR1976452,2450
2016-06-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-06-22,Closed with explanation,Yes,No,CR1976455,1565
2016-06-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-06-20,Closed with explanation,Yes,No,CR1976797,2947
2016-06-20,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Phone,2016-06-20,Closed with explanation,Yes,No,CR1976891,80
2016-06-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-06-20,Closed with non-monetary relief,Yes,No,CR1976938,1329
2016-06-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-06-21,Closed with explanation,Yes,Yes,CR1977295,6114
2016-06-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-06-21,Closed with explanation,Yes,Yes,CR1977427,6924
2016-06-21,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2016-06-23,Closed with explanation,Yes,No,CR1977721,5384
2016-06-21,Credit card,,Billing statement,,,,N/A,Phone,2016-06-21,Closed with explanation,Yes,No,CR1977855,4076
2016-06-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-06-21,Closed with monetary relief,Yes,No,CR1978303,2097
2016-06-22,Credit card,,Balance transfer,,,Older American,N/A,Phone,2016-06-23,Closed with explanation,Yes,No,CR1980078,3900
2016-06-22,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2016-06-22,Closed with explanation,Yes,No,CR1980335,4768
2016-06-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-06-24,Closed with explanation,Yes,No,CR1983454,1285
2016-06-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-07-27,Closed with explanation,Yes,No,CR1983474,11638
2016-06-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-06-24,Closed with explanation,Yes,No,CR1984699,4245
2016-06-24,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2016-06-24,Closed,Yes,No,CR1985155,4744
2016-06-24,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2016-06-24,Closed with monetary relief,Yes,No,CR1985183,1722
2016-06-27,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Servicemember,N/A,Phone,2016-06-27,Closed with explanation,Yes,No,CR1987559,2667
2016-06-28,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-06-28,Closed with explanation,Yes,No,CR1987912,4019
2016-06-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2016-06-28,Closed with explanation,Yes,No,CR1988095,1337
2016-06-28,Bank account or service,Cashing a check without an account,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2016-06-29,Closed with explanation,Yes,No,CR1988564,9933
2016-06-28,Bank account or service,Checking account,Using a debit or ATM card,,,Older American,N/A,Phone,2016-06-28,Closed with explanation,Yes,No,CR1989058,3673
2016-06-29,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2016-06-29,Closed,Yes,No,CR1990472,2139
2016-06-30,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-06-30,Closed with explanation,Yes,No,CR1993136,2646
2016-06-30,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-06-30,Closed with explanation,Yes,No,CR1993252,2305
2016-07-01,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2016-07-01,Closed with explanation,Yes,No,CR1993824,1934
2016-07-01,Credit card,,Credit line increase/decrease,,,,N/A,Phone,2016-07-01,Closed with explanation,Yes,No,CR1994837,11755
2016-07-05,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Phone,2016-07-05,Closed with explanation,Yes,No,CR1997877,4151
2016-07-05,Credit card,,Unsolicited issuance of credit card,,,,N/A,Phone,2016-07-05,Closed with monetary relief,Yes,No,CR1998263,2862
2016-07-05,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2016-07-05,Closed with explanation,Yes,Yes,CR1998512,4324
2016-07-05,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-07-05,Closed with explanation,Yes,No,CR1998760,310
2016-07-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-07-06,Closed with monetary relief,Yes,No,CR2000885,2073
2016-07-07,Credit card,,Billing statement,,,Older American,N/A,Phone,2016-07-07,Closed with explanation,Yes,Yes,CR2001591,212
2016-07-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2016-07-07,Closed with explanation,Yes,No,CR2001838,2823
2016-07-08,Credit card,,APR or interest rate,,,,N/A,Phone,2016-07-11,Closed with explanation,Yes,No,CR2004050,71
2016-07-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-07-08,Closed with explanation,Yes,Yes,CR2004639,336
2016-07-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-07-08,Closed,Yes,No,CR2004696,1533
2016-07-11,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-07-12,Closed with explanation,Yes,No,CR2006103,1044
2016-07-11,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-07-11,Closed with monetary relief,Yes,No,CR2006404,2060
2016-07-12,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-07-12,Closed with explanation,Yes,No,CR2008635,132
2016-07-13,Credit card,,Rewards,,,,N/A,Phone,2016-07-13,Closed with explanation,Yes,No,CR2009862,3904
2016-07-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-07-15,Closed with explanation,Yes,No,CR2010338,1556
2016-07-13,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2016-07-13,Closed with explanation,Yes,No,CR2011312,2425
2016-07-14,Credit card,,Other,,,,N/A,Phone,2016-07-14,Closed with explanation,Yes,No,CR2012547,2187
2016-07-14,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2016-07-18,Closed with explanation,Yes,No,CR2013557,5204
2016-07-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-07-16,Closed with monetary relief,No,No,CR2014249,4166
2016-07-18,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2016-07-18,Closed with explanation,Yes,No,CR2016671,3196
2016-07-18,Credit card,,Billing disputes,,,Older American,N/A,Phone,2016-07-18,Closed with explanation,Yes,No,CR2017562,1336
2016-07-18,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2016-07-18,Closed with explanation,Yes,No,CR2017593,1480
2016-07-19,Credit card,,Late fee,,,,N/A,Phone,2016-07-19,Closed with monetary relief,Yes,No,CR2018409,2915
2016-07-19,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2016-07-19,Closed with explanation,Yes,Yes,CR2018989,1244
2016-07-19,Credit card,,Billing disputes,,,,N/A,Phone,2016-07-19,Closed with explanation,Yes,Yes,CR2019015,531
2016-07-20,Credit card,,Credit line increase/decrease,,,Older American,N/A,Phone,2016-07-20,Closed,Yes,No,CR2021587,180
2016-07-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-07-21,Closed with explanation,Yes,No,CR2023663,2261
2016-07-21,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-07-21,Closed with explanation,Yes,No,CR2024168,1194
2016-07-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-07-22,Closed with monetary relief,Yes,No,CR2026058,442
2016-07-26,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2016-07-26,Closed,Yes,Yes,CR2031161,1388
2016-07-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-07-27,Closed with explanation,Yes,No,CR2032806,3519
2016-07-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-07-28,Closed with explanation,Yes,No,CR2034291,93
2016-07-28,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-08-01,Closed with explanation,Yes,No,CR2034506,708
2016-07-29,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-07-29,Closed with monetary relief,Yes,No,CR2037380,3092
2016-07-29,Credit card,,Billing disputes,,,Older American,N/A,Phone,2016-07-29,Closed with explanation,Yes,No,CR2038296,258
2016-08-01,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Phone,2016-08-01,Closed with explanation,Yes,No,CR2039139,2614
2016-08-01,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-08-03,Closed with monetary relief,Yes,No,CR2039590,80
2016-08-01,Credit card,,Billing disputes,,,,N/A,Phone,2016-08-01,Closed with explanation,Yes,No,CR2039841,12810
2016-08-04,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2016-08-04,Closed with explanation,Yes,No,CR2045688,2152
2016-08-05,Credit card,,Other,,,,N/A,Phone,2016-08-05,Closed with explanation,Yes,No,CR2047954,2435
2016-08-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-08-08,Closed with monetary relief,Yes,No,CR2051831,4103
2016-08-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-08-10,Closed with explanation,Yes,No,CR2056848,3811
2016-08-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-08-10,Closed with explanation,Yes,No,CR2056992,2013
2016-08-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-08-10,Closed with explanation,Yes,No,CR2057686,3402
2016-08-12,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-08-12,Closed with explanation,Yes,No,CR2058428,1884
2016-08-12,Credit card,,Other,,,,N/A,Phone,2016-08-12,Closed with non-monetary relief,Yes,No,CR2060519,3796
2016-08-12,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-08-12,Closed with explanation,Yes,Yes,CR2061856,2762
2016-08-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-08-15,Closed with explanation,Yes,No,CR2063516,5606
2016-08-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-08-15,Closed with explanation,Yes,No,CR2064692,941
2016-08-15,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2016-08-15,Closed with explanation,Yes,No,CR2064724,2411
2016-08-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2016-08-15,Closed with non-monetary relief,Yes,No,CR2064849,4944
2016-08-16,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2016-08-16,Closed with explanation,Yes,No,CR2067327,2676
2016-08-17,Credit card,,Advertising and marketing,,,"Older American, Servicemember",N/A,Phone,2016-08-19,Closed with explanation,Yes,No,CR2068569,3639
2016-08-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-08-19,Closed with monetary relief,Yes,No,CR2069704,390
2016-08-18,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2016-08-18,Closed with explanation,Yes,No,CR2069950,2115
2016-08-18,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-08-18,Closed with monetary relief,Yes,No,CR2070783,4462
2016-08-18,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2016-08-18,Closed with explanation,Yes,No,CR2071163,3039
2016-08-19,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2016-08-19,Closed with explanation,Yes,No,CR2072231,2463
2016-08-19,Credit card,,Privacy,,,Older American,N/A,Phone,2016-08-19,Closed with explanation,Yes,Yes,CR2072511,757
2016-08-23,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2016-08-23,Closed with explanation,Yes,No,CR2074342,9675
2016-08-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-08-23,Closed with explanation,Yes,No,CR2074496,4567
2016-08-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-08-23,Closed with explanation,Yes,No,CR2076571,403
2016-08-22,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2016-08-23,Closed with explanation,Yes,No,CR2078039,9973
2016-08-24,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-08-26,Closed with monetary relief,Yes,No,CR2078748,4248
2016-08-24,Credit card,,Billing disputes,,,,N/A,Phone,2016-08-24,Closed with explanation,Yes,No,CR2079409,4584
2016-08-25,Credit card,,Credit line increase/decrease,,,Older American,N/A,Phone,2016-08-29,Closed with explanation,Yes,No,CR2079552,1958
2016-08-25,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2016-08-25,Closed,Yes,No,CR2080595,2765
2016-08-24,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2016-08-24,Closed,Yes,No,CR2080894,2938
2016-08-25,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Older American,N/A,Phone,2016-08-25,Closed with monetary relief,Yes,No,CR2082015,3275
2016-08-25,Bank account or service,Cashing a check without an account,Deposits and withdrawals,,,,N/A,Phone,2016-08-25,Closed with explanation,Yes,No,CR2082032,814
2016-08-26,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2016-08-26,Closed with explanation,Yes,No,CR2083554,1583
2016-08-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-08-26,Closed with explanation,Yes,No,CR2084172,548
2016-08-29,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,"Older American, Servicemember",N/A,Phone,2016-08-29,Closed with explanation,Yes,No,CR2085142,1930
2016-08-29,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2016-08-29,Closed with explanation,Yes,No,CR2085827,3737
2016-08-29,Credit card,,Other,,,,N/A,Phone,2016-08-29,Closed with explanation,Yes,No,CR2086513,144
2016-08-29,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-08-29,Closed with monetary relief,Yes,No,CR2086741,2623
2016-08-31,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-09-06,Closed with explanation,Yes,Yes,CR2090464,1318
2016-09-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2016-09-01,Closed with explanation,Yes,Yes,CR2092735,3244
2016-09-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-09-01,Closed with non-monetary relief,Yes,No,CR2093113,2599
2016-09-06,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2016-09-06,Closed with explanation,Yes,No,CR2096360,2329
2016-09-06,Credit card,,Other,,,Older American,N/A,Phone,2016-09-06,Closed with explanation,Yes,No,CR2096586,86
2016-09-06,Credit card,,Billing disputes,,,Older American,N/A,Phone,2016-09-06,Closed with explanation,Yes,No,CR2097924,3620
2016-09-07,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-09-07,Closed with monetary relief,Yes,Yes,CR2098701,1645
2016-09-07,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2016-09-07,Closed with monetary relief,Yes,No,CR2098991,5801
2016-09-07,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2016-09-12,Closed with explanation,Yes,Yes,CR2099691,3279
2016-09-08,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-09-08,Closed with monetary relief,Yes,No,CR2101414,51
2016-09-09,Credit card,,Billing disputes,,,"Older American, Servicemember",N/A,Phone,2016-09-09,Closed with explanation,Yes,Yes,CR2103814,1186
2016-09-12,Credit card,,Identity theft / Fraud / Embezzlement,,,"Older American, Servicemember",N/A,Phone,2016-09-12,Closed with explanation,Yes,No,CR2106689,1286
2016-09-13,Credit card,,Late fee,,,,N/A,Phone,2016-09-13,Closed with explanation,Yes,No,CR2108413,1349
2016-09-14,Credit card,,Other,,,Older American,N/A,Phone,2016-09-14,Closed with explanation,Yes,No,CR2112683,3471
2016-09-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-09-14,Closed with explanation,Yes,No,CR2112898,1564
2016-09-15,Credit card,,Unsolicited issuance of credit card,,,Servicemember,N/A,Phone,2016-09-15,Closed with non-monetary relief,Yes,No,CR2114332,2674
2016-09-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-09-19,Closed with monetary relief,Yes,No,CR2115603,945
2016-09-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-09-16,Closed with explanation,Yes,No,CR2116017,3800
2016-09-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-09-16,Closed with explanation,Yes,No,CR2116445,11409
2016-09-19,Credit card,,Other,,,Older American,N/A,Phone,2016-09-21,Closed with non-monetary relief,Yes,No,CR2118601,6750
2016-09-19,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-09-19,Closed with monetary relief,Yes,No,CR2119043,4387
2016-09-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-09-19,Closed with explanation,Yes,No,CR2119586,4582
2016-09-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-09-20,Closed with monetary relief,Yes,No,CR2120933,2780
2016-09-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-09-20,Closed with explanation,Yes,No,CR2121068,1927
2016-09-21,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2016-09-21,Closed with explanation,Yes,No,CR2123242,4554
2016-09-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-09-23,Closed with explanation,Yes,No,CR2124874,1582
2016-09-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-09-22,Closed with monetary relief,Yes,Yes,CR2126860,2561
2016-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-09-23,Closed with explanation,Yes,No,CR2128020,4628
2016-09-23,Credit card,,Billing disputes,,,Older American,N/A,Phone,2016-09-27,Closed with monetary relief,Yes,No,CR2128231,636
2016-09-23,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2016-09-23,Closed with explanation,Yes,Yes,CR2128341,5402
2016-09-23,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2016-09-23,Closed with explanation,Yes,No,CR2128660,4199
2016-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-09-23,Closed with explanation,Yes,Yes,CR2129024,11709
2016-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-09-23,Closed with explanation,Yes,No,CR2129125,2758
2016-09-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-09-23,Closed with explanation,Yes,No,CR2129490,10389
2016-09-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-09-27,Closed with explanation,Yes,No,CR2132926,2968
2016-09-28,Credit card,,Billing disputes,,,"Older American, Servicemember",N/A,Phone,2016-09-28,Closed with monetary relief,Yes,No,CR2135857,6886
2016-09-29,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-10-03,Closed with monetary relief,Yes,No,CR2138092,253
2016-09-29,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-09-29,Closed with non-monetary relief,Yes,No,CR2139139,4508
2016-10-03,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-10-03,Closed with explanation,Yes,Yes,CR2143247,2426
2016-10-03,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Phone,2016-10-03,Closed with monetary relief,Yes,No,CR2143958,1683
2016-10-04,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2016-10-04,Closed with explanation,Yes,No,CR2144993,4288
2016-10-04,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-10-04,Closed with monetary relief,Yes,No,CR2145445,417
2016-10-04,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2016-10-07,Closed with explanation,Yes,No,CR2146294,2593
2016-10-05,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2016-10-05,Closed with explanation,Yes,No,CR2148694,1682
2016-10-06,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,,N/A,Phone,2016-10-06,Closed with explanation,Yes,No,CR2149617,2167
2016-10-06,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-10-06,Closed with non-monetary relief,Yes,No,CR2150432,3201
2016-10-07,Credit card,,Other fee,,,,N/A,Phone,2016-10-07,Closed with explanation,Yes,No,CR2151489,5826
2016-10-12,Credit card,,APR or interest rate,,,Older American,N/A,Phone,2016-10-14,Closed with explanation,Yes,No,CR2155070,3243
2016-10-11,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2016-10-11,Closed with explanation,Yes,No,CR2155555,2645
2016-10-13,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-10-13,Closed with explanation,Yes,Yes,CR2159192,2587
2016-10-13,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2016-10-13,Closed with explanation,Yes,Yes,CR2159872,1743
2016-10-14,Credit card,,Payoff process,,,Older American,N/A,Phone,2016-10-14,Closed with explanation,Yes,No,CR2161157,4105
2016-10-17,Credit card,,Billing disputes,,,Older American,N/A,Phone,2016-10-17,Closed with explanation,Yes,No,CR2163506,285
2016-10-17,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2016-10-19,Closed with explanation,Yes,No,CR2165000,13190
2016-10-17,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-10-17,Closed with explanation,Yes,No,CR2165064,83
2016-10-18,Credit card,,APR or interest rate,,,Older American,N/A,Phone,2016-10-18,Closed with explanation,Yes,No,CR2165723,694
2016-10-18,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-10-18,Closed with monetary relief,Yes,No,CR2166137,7011
2016-10-19,Credit card,,Unsolicited issuance of credit card,,,,N/A,Phone,2016-10-19,Closed with explanation,Yes,Yes,CR2168738,4673
2016-10-20,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-10-20,Closed with monetary relief,Yes,No,CR2169725,2752
2016-10-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2016-10-21,Closed with explanation,Yes,No,CR2170541,3662
2016-10-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-10-21,Closed with explanation,Yes,No,CR2171050,2555
2016-10-21,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2016-10-21,Closed with explanation,Yes,No,CR2171815,12695
2016-10-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2016-10-21,Closed with explanation,Yes,No,CR2173390,2212
2016-10-24,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-10-24,Closed with explanation,Yes,No,CR2174890,4725
2016-10-24,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-10-24,Closed with explanation,Yes,No,CR2176527,11977
2016-10-25,Credit card,,Billing disputes,,,,N/A,Phone,2016-10-25,Closed with explanation,Yes,No,CR2178177,4331
2016-10-25,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2016-10-25,Closed with explanation,Yes,Yes,CR2178679,10076
2016-10-26,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-10-26,Closed with explanation,Yes,No,CR2180000,1817
2016-10-26,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-10-28,Closed with explanation,Yes,No,CR2180332,2910
2016-10-28,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-10-28,Closed with explanation,Yes,No,CR2185200,4348
2016-10-31,Credit card,,Billing statement,,,,N/A,Phone,2016-11-01,Closed with explanation,Yes,No,CR2187342,3166
2016-10-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-11-01,Closed with explanation,Yes,No,CR2187526,3483
2016-11-01,Credit card,,Unsolicited issuance of credit card,,,"Older American, Servicemember",N/A,Phone,2016-11-01,Closed with non-monetary relief,Yes,No,CR2188678,3456
2016-11-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-11-15,Closed with explanation,No,Yes,CR2190491,1286
2016-11-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2017-01-05,Closed with explanation,Yes,No,CR2190967,1335
2016-11-02,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-11-02,Closed with monetary relief,Yes,Yes,CR2191029,820
2016-11-02,Credit card,,Credit card protection / Debt protection,,,,N/A,Phone,2016-11-02,Closed with explanation,Yes,No,CR2191914,7797
2016-11-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2017-01-05,Closed with explanation,Yes,No,CR2192338,1471
2016-11-03,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-11-03,Closed with explanation,Yes,No,CR2193660,3438
2016-11-03,Credit card,,Billing disputes,,,Older American,N/A,Phone,2016-11-03,Closed with explanation,Yes,No,CR2193850,2233
2016-11-07,Credit card,,Billing disputes,,,,N/A,Phone,2016-11-07,Closed with explanation,Yes,No,CR2197959,260
2016-11-07,Credit card,,Rewards,,,,N/A,Phone,2016-11-07,Closed with explanation,Yes,No,CR2198057,3251
2016-11-09,Bank account or service,Checking account,"Making/receiving payments, sending money",,,"Older American, Servicemember",N/A,Phone,2016-11-09,Closed with explanation,Yes,No,CR2201357,3470
2016-11-10,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-11-10,Closed with explanation,Yes,No,CR2203108,122
2016-11-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2016-11-10,Closed with non-monetary relief,Yes,No,CR2204099,258
2016-11-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-11-14,Closed with explanation,Yes,No,CR2206354,3591
2016-11-14,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2016-11-15,Closed with explanation,Yes,No,CR2207418,4131
2016-11-15,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-11-16,Closed with explanation,Yes,Yes,CR2207638,3830
2016-11-14,Credit card,,Closing/Cancelling account,,,Older American,N/A,Phone,2016-11-14,Closed with monetary relief,Yes,No,CR2207961,4473
2016-11-15,Credit card,,APR or interest rate,,,,N/A,Phone,2016-11-15,Closed with explanation,Yes,Yes,CR2208949,348
2016-11-15,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2016-11-16,Closed with explanation,Yes,Yes,CR2209107,6987
2016-11-15,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2016-11-15,Closed with monetary relief,Yes,No,CR2210253,2577
2016-11-16,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-11-17,Closed with explanation,Yes,No,CR2210790,5138
2016-11-16,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-11-16,Closed with explanation,Yes,No,CR2211664,4186
2016-11-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-11-16,Closed with explanation,Yes,No,CR2212183,1899
2016-11-17,Bank account or service,Other bank product/service,Using a debit or ATM card,,,,N/A,Phone,2016-11-18,Closed with monetary relief,Yes,No,CR2213224,12303
2016-11-17,Credit card,,Other,,,Older American,N/A,Phone,2016-11-17,Closed with explanation,Yes,No,CR2214007,3578
2016-11-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-11-21,Closed with explanation,Yes,No,CR2214703,2605
2016-11-18,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Phone,2016-11-21,Closed with explanation,Yes,Yes,CR2215694,3382
2016-11-21,Credit card,,Billing disputes,,,"Older American, Servicemember",N/A,Phone,2016-11-21,Closed with monetary relief,Yes,No,CR2218062,3042
2016-11-22,Credit card,,Bankruptcy,,,,N/A,Phone,2016-11-22,Closed with explanation,Yes,Yes,CR2219054,471
2016-11-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-11-22,Closed with explanation,Yes,No,CR2220199,3738
2016-11-24,Bank account or service,Savings account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2016-11-28,Closed with explanation,Yes,No,CR2221149,13451
2016-11-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-11-23,Closed with explanation,Yes,No,CR2221686,2370
2016-11-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-11-23,Closed with explanation,Yes,No,CR2222146,700
2016-11-23,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-11-23,Closed,Yes,No,CR2222452,2718
2016-11-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-11-25,Closed with explanation,Yes,No,CR2223164,3304
2016-11-25,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-11-25,Closed with monetary relief,Yes,No,CR2223343,3305
2016-11-28,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,Older American,N/A,Phone,2016-11-28,Closed with explanation,Yes,No,CR2226376,4808
2016-11-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-12-01,Closed with explanation,Yes,No,CR2230013,653
2016-11-30,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2016-12-01,Closed with explanation,Yes,No,CR2230432,2116
2016-12-02,Credit card,,Other,,,Older American,N/A,Phone,2016-12-05,Closed with explanation,Yes,No,CR2232723,2818
2016-12-02,Credit card,,Billing disputes,,,,N/A,Phone,2016-12-05,Closed with explanation,Yes,No,CR2233894,4482
2016-12-05,Bank account or service,Savings account,Deposits and withdrawals,,,,N/A,Phone,2016-12-05,Closed with explanation,Yes,No,CR2235210,5012
2016-12-05,Credit card,,Bankruptcy,,,,N/A,Phone,2016-12-05,Closed with explanation,Yes,No,CR2236100,699
2016-12-06,Bank account or service,Other bank product/service,Using a debit or ATM card,,,Older American,N/A,Phone,2016-12-06,Closed with monetary relief,Yes,No,CR2237554,1035
2016-12-06,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2016-12-06,Closed with explanation,Yes,Yes,CR2238571,2074
2016-12-07,Credit card,,Unsolicited issuance of credit card,,,Older American,N/A,Phone,2016-12-08,Closed with non-monetary relief,Yes,No,CR2239689,4476
2016-12-08,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-12-08,Closed with explanation,Yes,No,CR2241678,1747
2016-12-08,Bank account or service,Savings account,"Account opening, closing, or management",,,,N/A,Phone,2016-12-08,Closed with monetary relief,Yes,No,CR2242281,348
2016-12-09,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-12-09,Closed with monetary relief,Yes,No,CR2243250,3816
2016-12-12,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2016-12-12,Closed with explanation,Yes,Yes,CR2245250,5164
2016-12-13,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2016-12-13,Closed with explanation,Yes,No,CR2247496,363
2016-12-13,Bank account or service,Checking account,Deposits and withdrawals,,,"Older American, Servicemember",N/A,Phone,2016-12-13,Closed with explanation,Yes,No,CR2247509,3042
2016-12-13,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2016-12-13,Closed with explanation,Yes,No,CR2247534,1978
2016-12-13,Credit card,,Closing/Cancelling account,,,"Older American, Servicemember",N/A,Phone,2016-12-13,Closed with monetary relief,Yes,No,CR2248095,1479
2016-12-14,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-12-14,Closed with monetary relief,Yes,Yes,CR2250030,3698
2016-12-14,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-12-14,Closed with explanation,Yes,No,CR2250397,3606
2016-12-19,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-12-19,Closed with non-monetary relief,Yes,No,CR2254796,893
2016-12-19,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2016-12-20,Closed with non-monetary relief,Yes,No,CR2255768,1033
2016-12-19,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2016-12-19,Closed with explanation,Yes,No,CR2256790,13262
2016-12-20,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2016-12-21,Closed with monetary relief,Yes,No,CR2257145,4390
2016-12-20,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2016-12-20,Closed with explanation,Yes,No,CR2257781,1899
2016-12-20,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-12-20,Closed with explanation,Yes,No,CR2258167,1345
2016-12-21,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-12-21,Closed with explanation,Yes,No,CR2259304,3699
2016-12-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-12-22,Closed with explanation,Yes,No,CR2261590,3020
2016-12-22,Credit card,,Other,,,,N/A,Phone,2016-12-22,Closed with explanation,Yes,No,CR2261790,2559
2016-12-23,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2016-12-23,Closed with monetary relief,Yes,No,CR2262551,1778
2016-12-23,Credit card,,APR or interest rate,,,,N/A,Phone,2016-12-23,Closed with explanation,Yes,Yes,CR2262905,1932
2016-12-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-12-27,Closed with explanation,Yes,No,CR2264142,1434
2016-12-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2016-12-28,Closed with non-monetary relief,Yes,Yes,CR2264909,5325
2016-12-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2016-12-28,Closed with explanation,Yes,No,CR2267364,12221
2016-12-28,Credit card,,Other,,,,N/A,Phone,2016-12-28,Closed with non-monetary relief,Yes,No,CR2267388,1121
2017-01-03,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2017-01-03,Closed with monetary relief,Yes,No,CR2272555,4275
2017-01-03,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2017-01-04,Closed with monetary relief,Yes,No,CR2272801,2430
2017-01-03,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2017-01-03,Closed with monetary relief,Yes,No,CR2273074,1529
2017-01-06,Credit card,,Billing disputes,,,,N/A,Phone,2017-01-09,Closed with explanation,Yes,No,CR2275944,3782
2017-01-06,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2017-01-06,Closed with explanation,Yes,No,CR2279164,3909
2017-01-06,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2017-01-06,Closed with explanation,Yes,No,CR2279262,4514
2017-01-09,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-01-11,Closed with explanation,Yes,No,CR2281138,1199
2017-01-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2017-01-10,Closed with explanation,Yes,No,CR2282295,2786
2017-01-10,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2017-01-10,Closed with monetary relief,Yes,No,CR2283299,287
2017-01-10,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2017-01-10,Closed with explanation,Yes,No,CR2283645,1394
2017-01-11,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2017-02-22,Closed with explanation,Yes,,CR2285660,2906
2017-01-13,Credit card,,Credit line increase/decrease,,,,N/A,Phone,2017-01-13,Closed with non-monetary relief,Yes,No,CR2288912,3348
2017-01-13,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2017-01-13,Closed with monetary relief,Yes,,CR2289056,2981
2017-01-17,Credit card,,Billing disputes,,,,N/A,Phone,2017-01-17,Closed with explanation,Yes,,CR2291588,1550
2017-01-18,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2017-01-18,Closed with explanation,Yes,No,CR2292024,3067
2017-01-18,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2017-01-18,Closed with explanation,Yes,,CR2293938,3467
2017-01-18,Credit card,,Customer service / Customer relations,,,Older American,N/A,Phone,2017-01-20,Closed with explanation,Yes,Yes,CR2294240,917
2017-01-19,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2017-01-19,Closed with monetary relief,Yes,No,CR2297336,3761
2017-01-19,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2017-01-19,Closed with explanation,Yes,No,CR2298291,3258
2017-01-20,Bank account or service,Other bank product/service,Deposits and withdrawals,,,Servicemember,N/A,Phone,2017-01-20,Closed with explanation,Yes,No,CR2301127,8489
2017-01-20,Credit card,,Billing disputes,,,Older American,N/A,Phone,2017-01-20,Closed with explanation,Yes,No,CR2301210,4258
2017-01-20,Credit card,,Customer service / Customer relations,,,Older American,N/A,Phone,2017-01-20,Closed with explanation,Yes,,CR2301371,596
2017-01-20,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2017-01-24,Closed with monetary relief,Yes,,CR2301475,2268
2017-01-24,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2017-01-24,Closed with explanation,Yes,,CR2305383,146
2017-01-23,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2017-01-26,Closed with explanation,Yes,No,CR2305857,110
2017-01-24,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2017-01-24,Closed with monetary relief,Yes,No,CR2308539,2503
2017-01-25,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,Servicemember,N/A,Phone,2017-01-25,Closed with explanation,Yes,No,CR2310354,232
2017-01-25,Credit card,,Other,,,,N/A,Phone,2017-01-25,Closed with explanation,Yes,,CR2310722,3657
2017-01-25,Bank account or service,(CD) Certificate of deposit,"Account opening, closing, or management",,,Older American,N/A,Phone,2017-01-25,Closed with explanation,Yes,,CR2311288,11147
2017-01-27,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Phone,2017-01-27,Closed with explanation,Yes,Yes,CR2314643,1797
2017-01-27,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2017-01-27,Closed with monetary relief,Yes,Yes,CR2314736,2226
2017-01-27,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2017-01-27,Closed with explanation,Yes,,CR2314759,3535
2017-01-27,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2017-01-27,Closed with explanation,Yes,,CR2315474,3875
2017-01-27,Credit card,,Credit line increase/decrease,,,,N/A,Phone,2017-01-27,Closed with explanation,Yes,Yes,CR2315593,4992
2017-01-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2017-01-30,Closed with monetary relief,Yes,,CR2317569,3475
2017-01-30,Credit card,,APR or interest rate,,,Servicemember,N/A,Phone,2017-02-02,Closed with explanation,Yes,,CR2317826,1248
2017-01-30,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2017-01-30,Closed with monetary relief,Yes,,CR2317933,2151
2017-01-31,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2017-01-31,Closed with explanation,Yes,,CR2320778,2054
2017-02-02,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2017-02-02,Closed with explanation,Yes,,CR2321678,3791
2017-02-02,Credit card,,Unsolicited issuance of credit card,,,,N/A,Phone,2017-02-07,Closed with explanation,Yes,,CR2324151,1013
2017-02-02,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2017-02-02,Closed with explanation,Yes,,CR2325187,1628
2017-02-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-02-03,Closed with explanation,Yes,,CR2325851,4635
2017-02-06,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2017-02-06,Closed with explanation,Yes,,CR2330453,3907
2017-02-06,Bank account or service,Checking account,Problems caused by my funds being low,,,Older American,N/A,Phone,2017-02-06,Closed with explanation,Yes,Yes,CR2330518,1408
2017-02-07,Credit card,,Other,,,,N/A,Phone,2017-02-07,Closed with explanation,Yes,Yes,CR2332670,10070
2017-02-08,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2017-02-13,Closed with explanation,Yes,,CR2333914,4177
2017-02-09,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2017-02-09,Closed with explanation,Yes,,CR2336515,4735
2017-02-09,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2017-02-09,Closed with explanation,Yes,Yes,CR2336561,9846
2017-02-10,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2017-02-10,Closed with explanation,Yes,,CR2339177,2693
2017-02-13,Credit card,,Credit determination,,,Older American,N/A,Phone,2017-02-13,Closed with non-monetary relief,Yes,,CR2340997,3047
2017-02-13,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-02-13,Closed with explanation,Yes,,CR2341553,2578
2017-02-14,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2017-02-14,Closed with monetary relief,Yes,,CR2342976,2662
2017-02-14,Credit card,,Identity theft / Fraud / Embezzlement,,,,N/A,Phone,2017-02-17,Closed with explanation,Yes,,CR2343097,515
2017-02-14,Credit card,,Unsolicited issuance of credit card,,,,N/A,Phone,2017-02-14,Closed with explanation,Yes,Yes,CR2344160,10828
2017-02-15,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-02-22,Closed with explanation,Yes,,CR2344957,1363
2017-02-15,Bank account or service,Checking account,Deposits and withdrawals,,,Older American,N/A,Phone,2017-02-15,Closed with explanation,Yes,,CR2345876,8666
2017-02-15,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2017-02-15,Closed with monetary relief,Yes,,CR2346999,1890
2017-02-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2017-02-16,Closed with monetary relief,Yes,,CR2347795,1122
2017-02-17,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2017-02-23,Closed with monetary relief,Yes,,CR2349304,2902
2017-02-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-02-21,Closed with explanation,Yes,,CR2353608,2480
2017-02-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-02-21,Closed with explanation,Yes,,CR2354077,1753
2017-02-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-02-21,Closed with explanation,Yes,,CR2354272,446
2017-02-21,Bank account or service,Other bank product/service,Deposits and withdrawals,,,,N/A,Phone,2017-02-21,Closed with monetary relief,Yes,,CR2354494,4653
2017-02-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-02-22,Closed with explanation,Yes,,CR2355130,2167
2017-02-22,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2017-02-22,Closed with explanation,Yes,,CR2355167,1029
2017-02-22,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-02-22,Closed with explanation,Yes,,CR2355552,7723
2017-02-22,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2017-02-27,Closed with explanation,Yes,,CR2356350,7127
2017-02-22,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2017-02-22,Closed with explanation,Yes,,CR2356522,2597
2017-02-23,Credit card,,Billing statement,,,,N/A,Phone,2017-02-28,Closed with explanation,Yes,,CR2357722,4541
2017-02-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-02-23,Closed with explanation,Yes,,CR2358198,3463
2017-02-24,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2017-02-24,Closed with explanation,Yes,,CR2360714,76
2017-02-27,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Phone,2017-03-02,Closed with explanation,Yes,,CR2362129,11267
2017-02-27,Credit card,,APR or interest rate,,,Older American,N/A,Phone,2017-03-02,Closed with monetary relief,Yes,,CR2363462,2806
2017-02-28,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-02-28,Closed with explanation,Yes,,CR2363542,2175
2017-02-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2017-02-28,Closed with explanation,Yes,,CR2364438,1950
2017-02-28,Bank account or service,Other bank product/service,Problems caused by my funds being low,,,,N/A,Phone,2017-02-28,Closed with explanation,Yes,Yes,CR2365383,4474
2017-02-28,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2017-02-28,Closed with explanation,Yes,,CR2365730,951
2017-03-01,Credit card,,Billing disputes,,,Older American,N/A,Phone,2017-03-01,Closed with explanation,Yes,,CR2366767,733
2017-03-01,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2017-03-06,Closed with explanation,Yes,,CR2366785,2492
2017-03-01,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2017-03-03,Closed with explanation,Yes,,CR2367546,1592
2017-03-02,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-03-02,Closed with explanation,Yes,,CR2369578,2812
2017-03-02,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2017-03-02,Closed with explanation,Yes,,CR2369750,4287
2017-03-02,Credit card,,Closing/Cancelling account,,,,N/A,Phone,2017-03-02,Closed with explanation,Yes,,CR2369804,13261
2017-03-03,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-03-07,Closed with explanation,Yes,,CR2370069,13657
2017-03-03,Bank account or service,Checking account,Using a debit or ATM card,,,,N/A,Phone,2017-03-03,Closed with explanation,Yes,,CR2371358,4193
2017-03-06,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Phone,2017-03-08,Closed with monetary relief,Yes,,CR2372694,4906
2017-03-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2017-03-06,Closed with monetary relief,Yes,,CR2373271,6366
2017-03-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,Older American,N/A,Phone,2017-03-06,Closed with non-monetary relief,Yes,,CR2373496,4015
2017-03-06,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,"Older American, Servicemember",N/A,Phone,2017-03-09,Closed with explanation,Yes,,CR2374246,11804
2017-03-07,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2017-03-07,Closed with explanation,Yes,,CR2374521,2508
2017-03-07,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2017-03-07,Closed with explanation,Yes,,CR2375008,4113
2017-03-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-03-08,Closed with explanation,Yes,,CR2376941,2354
2017-03-09,Bank account or service,Checking account,"Account opening, closing, or management",,,Servicemember,N/A,Phone,2017-03-09,Closed with explanation,Yes,,CR2376980,3545
2017-03-08,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2017-03-08,Closed with explanation,Yes,,CR2377263,4301
2017-03-08,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-03-10,In progress,Yes,,CR2378338,4528
2017-03-08,Bank account or service,Checking account,Using a debit or ATM card,,,Servicemember,N/A,Phone,2017-03-08,Closed with monetary relief,Yes,,CR2378433,1632
2017-03-08,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2017-03-10,Closed with non-monetary relief,Yes,,CR2378816,3074
2017-03-10,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Phone,2017-03-10,Closed with explanation,Yes,,CR2382372,1401
2017-03-14,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-03-14,In progress,Yes,,CR2385276,254
2017-03-14,Credit card,,Other,,,,N/A,Phone,2017-03-14,Closed with monetary relief,Yes,,CR2386079,9987
2017-03-15,Bank account or service,Checking account,Problems caused by my funds being low,,,,N/A,Phone,2017-03-15,Closed with explanation,Yes,,CR2388091,3091
2017-03-15,Bank account or service,Checking account,"Making/receiving payments, sending money",,,,N/A,Phone,2017-03-15,Closed with monetary relief,Yes,,CR2388580,3366
2017-03-15,Credit card,,Other,,,,N/A,Phone,2017-03-16,Closed with explanation,Yes,,CR2388840,2259
2017-03-16,Credit card,,Identity theft / Fraud / Embezzlement,,,Older American,N/A,Phone,2017-03-16,Closed with non-monetary relief,Yes,,CR2391051,4266
2017-03-16,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2017-03-16,Closed with explanation,Yes,,CR2391104,375
2017-03-16,Credit card,,Customer service / Customer relations,,,,N/A,Phone,2017-03-16,In progress,Yes,,CR2391330,4622
2017-03-17,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2017-03-17,Closed with monetary relief,Yes,,CR2392249,4218
2017-03-17,Bank account or service,Savings account,"Account opening, closing, or management",,,Older American,N/A,Phone,2017-03-17,In progress,Yes,,CR2392378,3321
2017-03-21,Bank account or service,Other bank product/service,"Account opening, closing, or management",,,,N/A,Phone,2017-03-22,In progress,Yes,,CR2397737,3730
2017-03-21,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-03-21,In progress,Yes,,CR2398271,1891
2017-03-21,Bank account or service,Checking account,"Making/receiving payments, sending money",,,Older American,N/A,Phone,2017-03-21,Closed with monetary relief,Yes,,CR2398274,1016
2017-03-22,Bank account or service,Checking account,Deposits and withdrawals,,,,N/A,Phone,2017-03-22,Closed with explanation,Yes,,CR2398401,486
2017-03-22,Bank account or service,Checking account,Deposits and withdrawals,,,Servicemember,N/A,Phone,2017-03-22,In progress,Yes,,CR2398447,4248
2017-03-22,Credit card,,Billing disputes,,,Older American,N/A,Phone,2017-03-22,In progress,Yes,,CR2398621,10209
2017-03-22,Bank account or service,Other bank product/service,"Making/receiving payments, sending money",,,,N/A,Phone,2017-03-22,In progress,Yes,,CR2398768,2342
2017-03-22,Credit card,,Identity theft / Fraud / Embezzlement,,,"Older American, Servicemember",N/A,Phone,2017-03-22,In progress,Yes,,CR2399607,4303
2017-03-23,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-03-23,Closed with explanation,Yes,,CR2400594,1945
2017-03-24,Bank account or service,Savings account,Deposits and withdrawals,,,Older American,N/A,Phone,2017-03-24,Closed with explanation,Yes,,CR2403628,2421
2017-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,Older American,N/A,Phone,2017-03-27,In progress,Yes,,CR2405629,1685
2017-03-27,Bank account or service,Checking account,"Account opening, closing, or management",,,,N/A,Phone,2017-03-27,In progress,Yes,,CR2405641,3328
2017-03-27,Credit card,,Closing/Cancelling account,,,Servicemember,N/A,Phone,2017-03-27,In progress,Yes,,CR2406263,4587